题目内容

对于那些多年打拼事业,都有一定经济基础,而又耽搁了婚期的都市晚婚族来说,“强强联合”虽然让人羡慕,但使资产合理配置则是家庭理财的首要问题。
一、案例成员
二、家庭收支状况 收入方面:张嘉勇是广告公司创意总监,月薪有1.2万元;李秀琳是广州某知名媒体的主任编辑,月薪在1万元左右。 支出方面: 1.张嘉勇每月给父母1500元生活费,由于父母原单位福利不错,均领退休金,医疗方面也不需张嘉勇多操心。而李秀琳家境好,更有哥哥照顾父母,除了平时表表心意和偿还父母提供给自己买房子的钱外,李秀琳并不需要在供养父母方面操心。 2.张嘉勇表示,结婚后每月生活费用要控制在3000元以内,为以后的小孩教育和夫妻养老做准备。 三、家庭资产负债状况 张嘉勇: 1.目前,张嘉勇有一套70平方米两室一厅的住房,已供完,现值大概55万元。 2.银行活期存款2万元。 3.目前手上持有4只股票(如表1所示)和南方成份(160111)与中银增长(163803)两只基金。这两只基金均在刚开始发行时买入,各买了5万元。
李秀琳:
1.2005年初李秀琳在海珠区购买了一室一厅51平米的住房,一次性付清34万。当然,购房的钱中有20万是父母资助的,李秀琳表示父母资助的钱是要还给他们老人家的。李秀琳每年大概要还2万元给父母,目前已经偿还了4万元。
2.账户里有固定存款5万元,5年期,存了2年了;活期存款2.5万元。
3.今年购买了友邦康福终身寿险和附加康福终身健康保险,每年交保费7800元,20年期,保额30万元。
四、保险方面
张嘉勇没有住房公积金,但其他基本齐全;
李秀琳单位各项福利完善,提供五险一金。李秀琳今年购买了友邦康福终身寿险和附加康福终身健康保险。
五、家庭理财目标
1.张嘉勇和李秀琳2009年春节结婚,他们打算以分期付款的方式再购买一套三室两厅的房子。但是,张嘉勇和李秀琳均有自己的房子,在不影响现有生活品质的情况下,该如何处置现有房产?
2.张嘉勇夫妻希望结婚当年生子,由于李秀琳供职的单位即将改制,作为计划外人员,她的职业生涯面临很大的不确定性。而婚后生小孩以及小孩养育的费用也不是一笔小数目。如何准备一笔钱应对两三年内李秀琳的工作危机和生育小孩的费用?
3.张嘉勇认为自己和李秀琳的保险似乎有缺口,他想让理财师为自己和李秀琳做一个医疗、养老保险规划,保障日后生活。
4.对于股票基金,张嘉勇称自己是外行,平时也无暇顾及,但是他想坚持长期投资。他想知道自己的股票基金投资是否合理,理财师能否把自己的股票、基金重组,达到最优配置。
六、假设条件
1.通货膨胀率为每年5%,教育费用增长率为每年5%,长期投资回报率为每年8%,预期寿命为90岁。
2.住房公积金、养老金、医疗保险金和失业保险金分别为税前收入的7%,8%,2%, 1%。个人所得税免征额为2000元。
张先生目前的税后月薪为1.2万元,则可计算出每月所缴纳的个人所得税为()元。

A. 1831.3
B. 1931.3
C. 2031.3
D. 2131.3

查看答案
更多问题

Task 1
Directions: After reading the following passage, you will find 5 questions or unfinished statements, numbered 36 through 40. For each question or statement there are 4 choices marked A, B, C, and D. You should make the correct choice.
When the steam engine was invented in the eighteenth century, it began one of the greatest revolutions that have ever happened in our world. The invention of the petrol engine at the end of the nineteenth century led to another enormous change in our lives. And the computer is almost certainly going to be no less important an invention than these engines were.
Just as there was a Stone Age, an Iron Age and so on, we have been living for centuries in a
Paper Age, during which almost all information was kept and sent on paper; and so much of it is wasted after it has been used once that enormous numbers of trees have to be cut down every year to provide us with paper. But now, with the computer, enormous amounts of information can be stored and sent without any paper at all, using small discs or the Internet.
Computers have also made it possible to do very difficult calculations very much faster than any earlier machine could. Computers also allow one to send information to others anywhere in the world via the Internet and in turn to receive information back from them. One can send a very long message more quickly from England to Australia, for example, than from one's house to someone in the garden. Computers are not only used for writing; they can produce diagrams and pictures, and they can be used for playing games. One now sees them at airports and railway stations, in hotels and restaurants; in fact, almost everywhere where people gather.
The author seems to say that the invention of the computer is ______.

A. not so important as that of the steam and petrol engines
B. at least as important as that of the steam and petrol engines
C. less important than that of the steam and petrol engines
D. far more important than that of the steam and petrol engines

Section B
Directions: This section is to test your ability to understand short dialogues. There are 5 recorded dialogues in it. After each dialogue, there is a recorded question. The dialogues and questions will be spoken two times. When you hear a question, you should decide on the correct answer from the 4 choices marked A, B, C and D.
听力原文:M: How long can I keep these books?
W: Two weeks. Then you will be fined each day.
Q: Where does this conversation probably take place?
(6)

At the bookstore.
B. At the library.
C. At the travel agency.
D. At the hospital.

集中装船,即在码头堆场和货运站等将货物集中,经过适当的拼箱、装箱和分类后再进行装船。()

A. 正确
B. 错误

设有如下关系模式:R(A,B,C,D,E),其中R上函数依赖集为:F={(A,B)→E,E→C,C→D}。则在函数依赖的范围内该关系模式最高属于()。

A. 1NF
B. 2NF
C. 3NF
D. BCNF

答案查题题库