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阅读下面短文,掌握其大意,然后从36-55各题给的[A]、[B]、[C]、[D]四个选项中选出最佳答案。 Scott and his companions (同伴) were terribly disappointed, When they got to the South Pole, they found the Norwegians (挪威人) had beaten them in the (36) to be the first ever to (37) the South Pole. After planting the British (38) at the Pole, they (39) a photograph of themselves (40) they started the 950 mile journey (41) . The journey was unexpectedly (42) and the joy and excitement about the Pole had gone out of them. The sun hardly (43) . The snow storms always made it impossible to (44) the stones they had (45) to mark their way home. Captain Oates had been suffering for (46) (47) his (48) feet. At night His feet swelled (肿胀) so large that he could (49) put his boots (50) the next morning, and he walked bravely although he was in great (51) . He knew his slowness was making it (52) likely that (53) could save themselves. He asked them to leave him behind in his sleeping bag, but they (54) , and helped him on a few more miles, until it was time to put up the (55) for another night.

A. raised
B. set
C. appeared
D. disappeared

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随着离婚率的提高,单亲家庭越来越多,一位单亲母亲既要照顾自己的事业,又要关心孩子的成长,的确不是一件容易的事。如果不能做好家庭的财富安排,风险要远远大于普通的三口之家。所以刘孜想作一个理财计划,经过初步沟通面谈后,你获得了以下家庭、职业与财务信息: 一、案例成员表家庭成员年龄职业身体状况刘孜30岁公司老板佳刘女士的儿子4岁上幼儿园佳二、家庭收支表 表1 每月收支状况 (单位:元) 每月收入每月支出本人收入30000房屋或房租6900房租收入2000基本生活开销8000其他支出5000(汽车贷款)合计32000合计19900每月结余12100 表2 年度性收支状况 (单位:元) 收入支出年终公司利润70000保险费9200存款利息2100产险0股利、股息其他8000(旅游)合计72100合计17200每年结余54900三、家庭资产负债表 表3 家庭资产负债表 (单位:元) 家庭资产家庭负债现金及活存100000房屋贷款(余额)980000美金10000(美元)汽车贷款(余额)80000股票消费贷款(余额)0房地产(自用)720000信用卡未付款0房地产(出租)980000其他0资产总计1870000负债总计1060000净值810000 四、保险方面 购买了一份分红险,年保费支出为9200元。 五、家庭理财目标 1.筹措儿子教育基金,给孩子以最好的教育; 2.自己的退休养老安排; 3.通过资产投资组合,流动资产达到100万; 4.在面对意外事件发生时,能提供财务安全保障。 六、假设条件 1.通货膨胀率为3%;刘女士风险偏好类型属于稳健偏积极型; 2.假设人民币对美元的汇率为约7.0; 3.房贷还款年利率为5.58%。 下列对刘女士家庭财务状况的分析,不正确的是( )。

A. 流动资金即紧急资金比例过高,正常比例约为3~6左右
B. 支出与收入比率低,说明刘女士可用于投资的资金来源比较充足
C. 刘女士工资收入几乎都用于活期或一年期定期存款,取得的投资回报率非常低
D. 刘女士家庭债务偿还收入比例高,偿还债务的能力较弱

第一节听下面5段对话。每段对话后有一个小题,从题中所给的A、B、C三个选项中选出最佳选项,并标在试卷的相应位置。听完每段对话后,你都有10秒钟的时间来回答有关小题和阅读下一小题。每段对话仅读一遍。 What’s the relationship between the two speakers

A. Husband and wife.
B. Professor and student.
C. Neighbors.

阅读下面短文,掌握其大意,然后从36-55各题给的[A]、[B]、[C]、[D]四个选项中选出最佳答案。 Scott and his companions (同伴) were terribly disappointed, When they got to the South Pole, they found the Norwegians (挪威人) had beaten them in the (36) to be the first ever to (37) the South Pole. After planting the British (38) at the Pole, they (39) a photograph of themselves (40) they started the 950 mile journey (41) . The journey was unexpectedly (42) and the joy and excitement about the Pole had gone out of them. The sun hardly (43) . The snow storms always made it impossible to (44) the stones they had (45) to mark their way home. Captain Oates had been suffering for (46) (47) his (48) feet. At night His feet swelled (肿胀) so large that he could (49) put his boots (50) the next morning, and he walked bravely although he was in great (51) . He knew his slowness was making it (52) likely that (53) could save themselves. He asked them to leave him behind in his sleeping bag, but they (54) , and helped him on a few more miles, until it was time to put up the (55) for another night.

A. to
B. from
C. at
D. in

钟玲开了一家网络小店,虽然每月的收入并不稳定,但因为丈夫有固定收入,所以生活得还算滋润。只是多年来,钟玲夫妇一直处于无序理财的境况中,离富足的日子似乎还有一定的距离,需要金融理财师协助规划。经过初步沟通面谈后,你获得了以下家庭、职业与财务信息: 一、案例成员家庭成员年龄职业身体状况钟玲32网络小店店主佳丈夫34中专学校职员,事业编制佳宝宝3幼儿园学生佳 二、收支情况 1.月收支情况 (1)以这两年的经营情况来计算,钟玲每月平均收入在2000元左右; (2)钟玲的丈夫每月税后收入在2500元左右; (3)一家人的基本生活开销加上衣食娱乐,大概每月在1500元左右; (4)宝宝上幼儿园,每月花费约500元; (5)平均每月大约有200元医疗费用支出。 2.年度性收支情况 (1)丈夫的年终奖金收入一般在3000元左右; (2)钟玲因为是自雇,所以没有什么年终奖; (3)全家的储蓄利息收入一年大约1700元; (4)年保费支出约850元。 三、家庭资产负债状况 目前钟玲家里没有负债。资产主要有82000元的定期存款,家用现金和活期存款保持在5000元左右。另外钟玲自己还有一些黄金首饰,大概价值3000元。 四、保险方面 钟玲因为做了网络店铺后没有自己缴纳社保“四金”,所以购买了一点商业寿险,但保额仅有3万元,年保费支出约850元。 五、理财目标 希望能把钱投资在回报率约8%的投资理财产品上,让每年的年收益有所上升,让有限的资金不贬值,在此基础上寻求更大的收益。 六、假设条件 债券指数平均收益率为3.2%,标准差为5.7%,股票指数平均收益率为12.6%,标准差为25.6%,股票与债券的相关系数为0.12。 在孩子未来教育规划方面,宝宝现在3岁刚上幼儿园。假设宝宝18岁上大学,依据目前的学费标准,就读大学四年学费共6万元,若学费涨幅以3%计算,则宝宝上大学时钟玲夫妇应准备的高等教育学费应该为( )元。

A. 92452
B. 93478
C. 94751
D. 95367

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