案例二:张先生今年40岁,妻35岁,单薪家庭,有一小孩10岁,现在住的房子价值40

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问题:

案例二:张先生今年40岁,妻35岁,单薪家庭,有一小孩10岁,现在住的房子价值40万元,无贷款。张先生有10万元存款,计划换房总价100万元,但是换房将花光这笔存款,并且又背上50万元的负债,想要60岁退休的梦想可能不易实现。假设张先生家庭年收入10万,年支出6万元,退休后年支出4万元,房贷利率4%。目前的支出不包括小孩上大学时的额外开销。工作期的实质报酬率8%,退休后的实质报酬率5%计算,退休后生活20年。
根据案例二,回答11~20题:

若张先生可提高储蓄额,为了兼顾换房和如期退休,每年消费预算应定为( )万元。

A.4.68

B.5.18

C.5.40

D.5.63

考点:理财规划师理财规划理论知识综合理财规划(一)
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用一句话概括下面这则新闻的主要内容,不超过15个字。(3分)

【新华社专电】 肯德基泰国分公司12日向消费者公开道歉,原因是这家美国连锁快餐品牌在11日印度洋地震触发海啸预警期间“借地震”做广告。

印度尼西亚苏门答腊岛附近海域11日下午发生8.5级地震,泰国方面随后采取相应措施,发布海啸预警,关闭普吉岛机场,疏散印度洋沿岸居民。海啸预警发布后不久,肯德基泰国分公司在企业网站及社交网站打出广告:“让我们赶紧回家、紧盯地震新闻,再有,别忘记从肯德基餐单中订一份你最喜欢的餐品。”

这段广告在社交网站发布后,引发网友不满。许多网民跟贴留言,批评这家快餐企业“自私”、“不懂事”。

肯德基泰国分公司12日前撤掉所有留言,更换上一份致歉书。

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对待患者知情同意权的做法中,错误的是()

A.婴幼儿可以由监护人决定

B.对某些特殊急诊抢救视为例外

C.无家属承诺,即使患者本人知情同意也不能给予手术治疗

D.做到充分知情

E.做到有效同意

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人体内脏与体表有脏在内,生理与病理改变表现在外。肾脏在外的表现会反应在:()。

A、鼻

B、口

C、眼

D、耳

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原岩建造条件

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When I tell people that I’m a professor of communication, they often are confused (1) what the term "communication" means. Many people think mass communication is the (2) type of communication, but mass communication is only one form of communication. The study of mass communication focuses on messages that are (3) over (4) such as television, newspapers, and radio. Other areas of (5) focus on the messages individuals send to one another. Some of the major contexts in which communication is studied (6) the interpersonal context, the organizational context, and the intercultural context. A scholar studying (7) communication, for example, might examine how married couples (8) with misunderstandings and the effects these misunderstandings have on (9) satisfaction. Organizational communication scholars, on the other hand, might study (10) the communication styles used by managers and their subordinates influence productivity and efficiency in a company or factory.
My area of specialization is intercultural communication. Intercultural communication is an (11) field of study which incorporates research from disciplines (12) as social psychology, sociology, cultural anthropology, sociolinguistics, and of course, communication. One of the (13) important areas of research addressed by intercultural scholars is how misunderstandings can be (14) when people communicate with Others from different (15) . To understand the process of intercultural communication, we must study how individuals’ cultural backgrounds (16) their communication behaviors.
The area of intercultural communication is a relatively new (17) of study even in the United States. While most Chinese students studying communication in the United States (18) on mass communication, there are some who are interested in intercultural communication and plan to return to China to teach and (19) research in this area. The work of these Chinese scholars on intercultural communication is important because it will help improve (20) between Chinese and Americans in the future.

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