异常心理的()标准是指以人的行为的社会意义及个体良好的适应为出发点,并从个体对社会、

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问题:

异常心理的()标准是指以人的行为的社会意义及个体良好的适应为出发点,并从个体对社会、集体,人际关系,人和自我的态度中和习惯的行为方式中来观察正常与否。

A.心理测验标准

B.社会常态标准

C.社会适应标准

D.主观经验标准

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高锰酸钾与一定量水配成的溶液可用来消毒,该消毒液是(  )

A.混合物

B.有机物

C.化合物

D.纯净物

题型:单项选择题


一对新上海人夫妇,年纪轻轻,却已经在本职工作之外开了家自己的公司,收入颇为丰厚。为了使资产保值增值,给宝宝打下更好的经济基础,为了给父母买房尽尽孝心,他们该如何理财才能实现愿望呢
一、案例成员
家庭成员年龄职业
吴女士28在一家外贸公司工作,且已经拥有拉的外贸公司
先生30在一家外企工作
宝宝1
二、家庭收支情况 收入方面: 1.吴女士每月的税后收入有15000元左右; 2.吴女士的先生在一家外资企业工作,月税后收入10000元; 3.贸易公司目前稳定的年收入有30万元; 4.夫妻俩年终奖有2万元。 支出方面: 1.家庭每月的开销约5000元,其中拿出了1000元用作基金定投; 2.保险费支出2万元,正好由夫妻俩的年终奖金相抵; 3.吴女士一家每年旅游、购置新物等的费用约5万元; 4.吴女士的父母收入比较少,她和妹妹决定从今年开始每人每年拿出1万元钱,给父母做点投资,用作将来养老筹备。 三、家庭资产负债状况 吴女士家庭有现金及活存2万元,定期存款14万元,投资股票约15万元,基金定投部分的市值约2万元,收藏品约2万元。 吴女士家庭在龙华地区有一套自住房,当初买房向父母借了60万元,2007年还了20万,目前还欠父母40万元,房屋市值约150万元。
               表1 家庭资产负债状况 (单位:万元)
家庭资产家庭负债

活期及现金

2房屋贷款
定期存款14其他欠款40
基金2
股票15
房产(自用)150
房产(投资)0
黄金及收藏品2
合计185合计40
家庭资产净值145
四、保险方面
吴女士一家都购买了分红型的保险,每年3人的保费支出共约2万元。
1.宝宝购买的一款成长型保险,每年保费约3000元,15~17岁每年返1500元,18~ 20岁每年返6000元,25岁时返还15000元,60岁时再返还15000元。
2.夫妻二人都购买了分红型的重疾险,先生的保额是16万元,吴女士自己的保额是 14万元。吴女士说,每年的红利能分多少记不清了,并不是很多。
3.其他还购买了点小额的意外保险并附加了住院医疗保险。
五、家庭理财目标方面
1.吴女士现在最想解决的是房子的问题。她和先生现在欠父母40万元,他们希望可以将这笔钱投入新房购买中,既可以还父母的钱,又可以尽尽孝心。买房需要的资金不少,他们希望3年内可以实现这个愿望。所以,现在他们需要奋力打拼、好好理财。
2.对于现在的收入,他们都很满意,只是有了收入如何打理比较头疼。现在投资的股票有15万元,基金每月1000元定投。作为上海这座国际大都市的“新移民”,吴女士希望她和先生挣来的辛苦钱可以保值、增值。较大风险的投资会获得较高的收益,但也很可能遭受损失。考虑到3年内买房的心愿,她希望近几年可以采取保守、稳健的投资方式。
六、假设条件
股票年平均收益率12%;基金年平均收益率5%。
七、附件
个人所得税计算公式:
应纳个人所得税税额=(应纳税所得额-扣除标准)×适用税率-速算扣除数。
1.不超过500元的部分,税率5%,速算扣除数为0;
2.超过500元至2000元的部分,税率10%,速算扣除数为25;
3.超过2000元至5000元的部分,税率15%,速算扣除数为125;
4.超过5000元至20000元的部分,税率20%,速算扣除数为375;
5.超过20000元至40000元的部分,税率25%,速算扣除数为1375;

吴女士夫妇希望采取保守、稳健的投资方式,那么可以选择部分万能险作为家庭稳健投资的一部分。关于万能险的描述中,下列错误的是( )。

A.可以根据不同年龄阶段责任的不同而随时调整保障额度

B.万能险的灵活性较强,因此是一个高成本的保险产品

C.万能险的最大特点是在获得较稳定收益的同时也享有保障

D.万能险的保费也可灵活调整

题型:单项选择题

一般而言,下列风险当中,对商品生产者影响最大的是( )。

A.利率风险

B.商品价格风险

C.汇率风险

D.股票价格风险

题型:单项选择题

My Views on Gambling
Most of life is a gamble. Very many of the things we do involve taking some risk in order to achieve a satisfactory result. We undertake a new job with no idea of the more indirect consequences of our action. Marriage is certainly a gamble and so is the bringing into existence of children, who could prove sad liabilities. A journey, a business transaction, even a chance remark may result immediately or ultimately in tragedy. Perpetually we gamble-against life, destiny, chance, the unknown, call the invisible opponent what we will. Human survival and progress indicate that usually we win.
So the gambling instinct must be an elemental one. Taking risks to achieve something is a characteristic of all forms of life, including humanity. As soon as man acquired property, the challenge he habitually issued to destiny found an additional expression in a human contest. Early may well have staked his flint axe, his bearskin, his wife, in the hope of adding to his possessions. The acquirement of desirable but nonessential commodities must have increased his scope enormously, while the risk of complete disaster lessened.
So long as man was gambling against destiny, the odds were usually in his favor, especially when he used commonsense. But as the methods of gambling multiplied, the chances of success decreased. A wager against one person offered on average even chances and no third party profited by the transaction. But as soon as commercialized city life developed, mass gambling become common. Thousands of people now compete for large prizes, but with only minute chances of success, while the organizers of gambling concerns enjoy big profits with, in some cases, no risk at all. Few clients of the betting shops, football pools, state lotteries, bingo sessions, even charity raffles, realize fully the flimsiness of their chances and the fact that without fantastic luck they are certain to lose rather than gain.
Little irreparable harm results for the normal individual. That big business profits from the satisfaction of a human instinct is a common enough phenomenon. The average wage-earner, who leads a colorless existence, devotes a small percentage of his earnings to keeping alive with extraordinary constancy the dream of achieving some magic change in his life. Gambling is in most cases a non-toxic drug against boredom and apathy and may well preserve good temper, patience and optimism in dreary circumstances. A sudden windfall may unbalance a weaker, less intelligent person and even ruin his life. And the line of something for nothing as an ideal evokes criticism from the more rigidly upright representatives of the community. But few of us have the right to condemn as few of us can say we never gamble-even it is only investing a few pence a week in the firm’s football sweep or the church bazaar "lucky dip."
Trouble develops, however, when any human instinct or appetite becomes overdeveloped. Moderate drinking produces few harmful effects but drunkenness and alcoholism can have terrible consequences. With an unlucky combination of temperament and circumstances, gambling can only become an obsession, almost a form of insanity, resulting in the loss not only of a man’s property but of his self-respect and his conscience. Far worse are the sufferings of his dependants, deprived of material comfort and condemned to watching his deterioration and hopelessness. They share none of his feverish excitement or the exhilaration of his rare success. The fact that he does not wish to be cured makes psychological treatment of the gambling addict almost impossible. He will use any means, including stealing, to enable him to carry on. It might be possible to pay what salary he can earn to his wife for the family maintenance but this is clearly no solution. Nothing-education, home environment, other interest, wise discouragement-is likely to restrain the obsessed gambler and even when it is he alone who suffers the consequences, his disease is a cruel one, resulting in a wasted, unhappy life.
Even in the case of the more physically harmful of human indulgences, repressive legislation often merely increases the damage by causing more vicious activities designed to perpetuate the indulgence in secret. On the whole, though negative, gambling is no vice within reasonable limits. It would still exist in an ideal society. The most we can hope for is control over exaggerated profits resulting from its business exploitation, far more attention and research devoted to the unhappy gambling addict and the type of education which will encourage an interest in so many other constructive activities that gambling itself will lose its fascination as an opiate to a dreary existence. It could be regarded as an occasional mildly exciting game, never to be taken very seriously.

Many people would like to give away a small sum of money because they constantly thing the donation may

A.not affect their general income.

B.bring them unexpected big sums of money.

C.help them preserve their temper and patience.

D.bring them some pennies from heaven.

题型:单项选择题

可摘局部义齿的前牙排列以美观为主,关键是排好

A.上颌中切牙
B.上颌侧切牙
C.下颌中切牙
D.下颌侧切牙
E.上、下颌尖牙

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