根据下列内容回答下列问题:王先生年收入为15万元,每年的储蓄比率为40%。目前有存款2万元,打算5年后买房,假设王先生的投资报酬率为15%。王先生买房时准备贷款20年,假设房贷利率为6%。 王先生可负担的首付款为()万元。
A. 44.48
B. 28.66
C. 27.34
D. 28.34
·Read the article below about team-building.·Choose the best word to fill each gap from A, B, C or D on the opposite page.·For each question 21-30 mark one letter ( A, B, C or D) on your Answer Sheet. Learn to Be a Team PlayerA wise man once said to a young novice, "The best way to limit your accomplishments is to try doing everything by yourself."A simple statement, yet it has (21) implications. The result is evident when you work with others: You (22) your effectiveness. You achieve bigger success. You and your team can go far. In fact, the sky is the limit when you all work as a team.The adage, "many hands make light work" is not only tree but practical these days when the demands and pressure at workplace are high. More often, lone rangers tire and get worn out before they (23) .So it’s wiser to inculcate team spirit from young, especially in the school, and learn the skills needed to be a survivor in the working field (24) on in life.Team-building is an art. And like any artisan, we all need to embrace the skills required to be a perfect artist. It may take heaps of encouragement, tons of (25) and a truckload of patience to master the skills. It also takes careful delegation and long hours. But the results are (26) it.Also We need to (27) with our peers. We may need to harness their energy, ideas and share in their wisdom. We must learn to (28) responsibilities and duties and not attempt to reinvent the wheel, so to (29) .Remember, two heads are better than one. So, be prepared to work with others and work as a team. (30) , it is the end results that matter. Working as a team, the goal always seems easier to achieve than if we were to go at it alone.
A. paying off
B. worth
C. making
D. deserving
根据以下案例,回答下列问题:刘某(男)的父亲在2001年1月因病去世,留有遗产:100平方米的商品房一套,存款30万元。刘某在2000年离婚,自己还有房屋一套,价值50万元,现金10万元,还有冰箱、彩电等家用电器若干。2001年10月中旬,刘某与张某再婚。婚后,刘某的舅舅又寄给他2万元,作为结婚的贺礼。2002年10月,经过对父亲遗产的分割,刘某取得了那套100平米的住房。刘某是个作家,手中有历经几年创作的小说书稿一部,2001年5月,他与一家出版社签订了出版合同,根据该合同,出版社要支付给刘某稿费20万元,但直到2003年1月,出版社才将这笔钱汇到刘某账户。2004年,在两人结婚纪念日的当天,刘某给妻子购买了一枚价值1万元的钻戒。刘某婚前所有的10万元现金到2004年底,已有将近4万元的利息。2005年,刘某与张某的感情破裂,决定协议离婚,在拟订离婚协议时为了避免利益受损,两人向一位助理理财规划师进行咨询。 以下不属于法定的夫妻共有财产的有()。
A. 工资
B. 知识产权中的人身权
C. 生产经营收益
D. 奖金