资料:2000年5月1日,23岁的刘女士与27岁的周先生按当地风俗习惯举行了盛大的结婚典礼,但双方并没有到民政部门进行结婚登记。2001年,周先生的父母因病先后去世,留下了两居室的楼房。2002年3月8日,刘女士和周先生到当地民政部门办理结婚登记。2005年3月8日,两人因感情不和协议离婚,但在分割财产时对周先生父母所留遗产归属问题二人产生纠纷。根据资料回答问题。 在制定财产分配规划时,理财规划师不需要()。
A. 了解客户的职业背景
B. 确定客户的财产分配目标
C. 选择适当的财产分配工具
D. 分析客户的财产状况
Passage ThreeQuestions 31 to 35 are based on the following passage. An understanding of man’s effect on the balance of nature is crucial(关键的)to being able to find the appropriate remedial action. It is a very common belief that the problems of the population explosion are caused mainly by poor people living in poor countries who do not know enough to limit their reproduction. This is not true. The actual number of people in an area is not as important as the effect they have on nature. Developing countries do have an effect on their environment,but it is the populations of richer countries that have a far greater impact on the earth as a whole. For example,tropical forests are known to be essential to the balance of nature,yet we are destroying them at a great rate. They are being cleared not to benefit the natives of that country,but to satisfy the needs of rich countries. Central American forests are being destroyed for grassland to make pet food in the United States cheaper;in Papua New Guinea,forests are destroyed to supply cheaper cardboard packaging for Japanese electronic products;in Burma and Thailand,forests have been destroyed to produce mole attractive furniture in Singapore and Hong Kong. Therefore,a rich person living thousands of miles away may cause more tropical forest destruction than a poor person living in the forest itself. In short,it is everybody’s duty to safeguard the future of mankind-not only through population control,but by being more aware of the effect his actions have on nature. Nature is both fragile and powerful. It is very easily destroyed;on the other hand,it can easily destroy its most dangerous enemy-man. In the author’s opinion,______.
A. developing countries should be responsible for environmental problems
B. overpopulation in the world is created by the developed countries
C. rich countries exercise worse influence on environment than poor countries
D. all countries should bring the population growth under control
案例一:上官夫妇目前均刚过35岁,打算20年后即55岁时退休,估计夫妇俩退休后第一年的生活费用为8万元(退休后每年初从退休基金中取出当年的生活费用)。考虑到通化膨胀的因素,夫妇俩每年的生活费用预计会以年4%的速度增长。夫妇俩预计退休后还可生存25年,现在拟用20万元作为退休基金的启动资金,并计划开始每年年末投入一笔固定的资金进行退休基金的积累。夫妇俩在退休前采取较为积极的投资策略,假定年回报率为6%,退休后采取较为保守的投资策略,假定年回报率为4%。根据案例一回答问题(计算结果保留到整数位)。 上官夫妇35岁初的20万元资金到60岁初约增值为()(注:投资25年,投资收益率6%)。
A. 492,187元
B. 578,678元
C. 858,374元
D. 689,905元
从下列每篇短文的问题后所给的四个选择项中选出一个最佳答案。Passage OneQuestions 21 to 25 are based on the following passage. Among the company was a lawyer,a young man of about twenty-five. On being asked his opinion,he said,“Capital punishment and life imprisonment are equally immoral. If I were to make a choice between them,I would rather choose the latter. Anyway,it’s better to live than not to live at all. ” A lively discussion followed. A banker,who was then younger and more nervous than the lawyer,suddenly lost his temper and cried out,“It’s a lie. I bet you two millions. You wouldn’t stick in a cell even for five years. ” “If you mean it,”replied the young lawyer,“I bet I’ll stay there longer;make it fifteen instead of five. ” “Fifteen!Done!”cried the banker. “Gentleman. I bet you two millions. ” “Agreed. Two millions for my freedom,”said the lawyer. So this wild,ridiculous bet came to pass. The banker could not hide his excitement. During supper he said to the lawyer jokingly,“Come to your senses,young man,before it’s too late. Two millions are nothing to me,but you stand to lose three or four of the best years of your life. I say three or four because you’ll never stick it out any longer. Don’t forget that voluntary imprisonment is much harder to put up with than an enforced one. The idea that you have the right to free yourself any moment will poison your life in the cell. I pity you. ” And now the banker,pacing from comer to comer,recalled all this and asked himself,“Why did I make this betWhat’s the goodThe lawyer lost fifteen years of his life and I threw away two millions. Will it convince people that capital punishment is worse or better than imprisonment for lifeNo,no!Rubbish!On my part,it was the caprice(心血来潮)of a well-fed millionaire;on the lawyer’s part,it’s the pure greed of gold. ” In the end,the banker considers his bet with the lawyer______.
A. rational
B. reasonable
C. beneficial
D. unreasonable