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B Many people like to make a good impression on other people. This is true when they go to a meeting or go out with their friends. Dressing well is one of the ways of making a good impression. Different countries have different ideas of dressing well. In the United States, people think that it is better to dress simply and suitably. For example, ball-dresses are not suitable for school or for work. They do not wear heavy clothing in summer, nor would it be comfortable. Dressing with too many colors is not a good taste. Simple clothes are easy to find and they can be bought cheaply, too. They are always in good taste. Simple and suitable clothing is worth having for children, too. A little girl does not feel comfortable when she is wearing a party dress and all the other girls in school are wearing plain sweaters (毛线衫) and shirts. A little boy is not happy when he is the only one in his class without a tie. Feeling "different" is never very comfortable for a child. There is an old saying, which reads, "Do in Rome as the Romans do." When you live in the United Slates, you will be happier if you learn lo dress simply and suitably. What can you infer from the text
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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。 Where did this conversation most probably take place
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%。 储蓄比例即储蓄金额比总收入。刘女士家庭储蓄比例为( )。
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( )。
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 ______.
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