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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。 钟玲家庭的净资产投资率为( )。
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阅读不列短文，从每题所给的四个选项[A]、[B]、[C]和[D]中选出最佳选项。A James Cook was born in Britain on October 27, 1728. He commanded (指挥) three voyages of discovery for Great Britain, and sailed around the world twice. Captain Cook’s voyages led to the founding of colonies (殖民地) throughout the Pacific by several European countries. He is considered one of the world’s greatest explorers. Cook was an apprentice (学徒) to a shipping company at age 18, and joined the British Navy at 27 in 1755. In 1768, the Navy appointed him leader of a scientific expedition (远征) to Tahiti to observe a solar eclipse (日食) by Venus. He also had secret orders to look for a southern continent geographer (地理学者) who worked on the research on the world. He set out on his first voyage round the world in the ship voyage. The trip to Tahiti was successful. In October 1769 Cook was the first European to visit New Zealand. On Cook’s second journey he sailed farther south than any other European. He circled Antarctica in his famous ship Resolution, but the ice surrounding the continent prevented the sighting of land. The existence of the Antarctica remained unproved until 1840. He returned to England in 1775 and was promoted (提升) to Captain. James Cook ______.
Which of the following statements is true
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.
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.
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