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我国对高级会计师的考评，主要是针对申报人员的学历条件、工作成绩及专业水平。( )
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Dear Sirs,Our corporation is established for the purpose of carrying on import and export business as well as other activities in connection with foreign trade. We are active in commercial intercourse with the trade and financial circles of various countries and districts. We are striving to expand economic cooperation and exchange technology with foreign countries.A booklet including a general introduction, the scope of business and other topics is enclosed for your reference. We welcome your inquiries.
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。 根据钟玲家庭的资产负债状况，钟玲家庭的资产净值为( )万元。
徐强夫妇俩目前工作稳定，各自单位均缴纳四金，目前无子女及赡养费用支出。但为了以后打算，想作一理财计划，经过初步沟通面谈后，获得了以下家庭、职业与财务信息：一、家庭成员家庭成员年龄职业身体状况徐强25岁IT工程师佳晓芸25岁普通职员佳二、家庭每月收支状况(单位：元) 表1 每月收支状况 (单位：元)收入支出晓芸税后收入2750房屋贷款月供额3000徐强税后月收入4100月基本生活开销2000其他收入2500零用钱3500合计9350合计5300三、家庭年度收支状况(单位：元) 表2 年度收支状况 (单位：元)收入支出年终奖10000人情还礼3000存款利息400回家探亲路费2000基金的投资收益1旅游费用5000总计2.1总计10000四、家庭资产负债状况结婚时候，双方父母各赞助了一笔钱，让小夫妻俩在花木新村买了一套小户型房产，现在这房子价值50万元，贷款本金余额还有14.5万元左右。截止到今年4月初，两人的活期存款有2万元，定期性存款有1.3万元，基金市值在5万元左右，还有1.2万元借给同学买房的，估计今年年底能全部还回来。计算下来，两人现在的家庭总资产为59.5万元，家庭净资产为45万元。五、家庭主要理财目标1．打算三年之后，也就是在两人29岁左右生育一个孩子，为此可能要加快准备养育孩子的资金等前期工作。2．同时，还希望在五年后换一个大房子自住，这类目标房产目前的市场价位在100万元左右。希望到时候能够保留现有的住房，如何尽快积攒买大房子的30万元首付款3．此外，目前只有基本社保“四金”，该如何增加自身的保障程度4．将来该如何保持家庭金融投资资金能够拥有持续的、较强的增值能力六、假设条件1．年收入增长率4%；年通货膨胀率4%；学费成长率5%；住房价格增长率5%；偏股型基金年收益率20%；债券型基金年收益率5%。2．住房公积金、养老金、医疗保险金和失业保险金分别为税前收入的7%，8%，2%， 1%。个人所得税免征额为2000元。 对于家庭保额的设定，最简单的一种方法，就是以晓芸和徐强当前的年总收入乘以7（年）再乘以0.70（70%），或者说乘以5倍。同时要加上负债部分，即房屋贷款的14.5万元保额。夫妻之间按各自的收入比例分配保额。这样晓芸所需要投保的保额为（）万元。
C When you enter a supermarket, you see shelves full of food. You walk between the shelves. You carry a shopping basket and put your food in it. You probably hear soft, slow music as you walk between the shelves. If you hear fast music, you walk quickly. The supermarket plays slow music. You walk slowly and have more time to buy things. Maybe you go to the meat department first. There is some meat on sale, and you want to find it. The manager of the supermarket knows where the customers enter the meat department. The cheap meat is at the other end of the meat department, away front where the customers enter. You have to walk by all the expensive meat before you find the cheaper meat. Maybe you will buy some of the expensive meat instead of: the meat on sale. Tile department selling milk and milk products such as butter and milk powder is called the dairy department. Many customers like milk that has only a little butterfat(牛奶中的脂肪) in it. One store has three different jars of low fat milk. One says "1 percent fat" on the jar. The second says "99 percent fat free". The third says "LOW FAT" in big letters and "1%" in small letters. As you can see, the milk is all the same. However, in this store the three jars of milk cost three different amount of money. Maybe the customers will buy the milk that costs him most. Most of the food in supermarket is very pleasing. It all says "Buy me !" to the customers. The expensive meat says "Buy me!" as you walk by. The expensive milk jar says "Buy me! 1 have less fat." Three different jars of low fat milk ______.
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