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[主观题]

Your 529 account investment can be graded into three risk levels as aggressive, moderate

and conservative.

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发布时间：2020-12-28

更多“Your 529 account investment can be graded into three risk levels as aggressive, moderate”相关的问题

第1题

ff your child gets a scholarship, the rest of 529 account can be either cashed out or giv

en to another sibling or relative.

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第2题

根据以下内容回答下列各题 Save for College [ A ] In this article, well look at the rules f

or 529 Qualified State Tuition Plans. Well explore the difference between this savings vehicle and some of the other traditional education savings methods and see why this plan is the best yet ! The cost of college [ B ] You may never have thought you could get excited about big sums of money you wont be spending on yourseff until you read about this new college savings plan. The 529 plan offers the most painless way to save money for higher education to date. And ff the child decides not to go to college, you can roll it over to someone else that does want to go, including yourself! The 529 Plan is a savings plan for college education. You have a couple of options when you open an account. * One option lets you prepay tuition at a qualified educational institution at todays tuition rates. * Another option lets you save money in a tax deferred account (earnings only) to be used to pay for education at future tuition rates. [ C ] The idea, with either option, is that the investment earnings will grow to meet the higher costs of future education. The savings account option is typically considered the more attractive of the two and is what we will focus on in this article. The 529 plan is a state sponsored investment program. That is, the state sets up the plan with an asset management company of its choice, and you open a 529 account with that asset management company according to the states predetermined plan features. You are the owner of the account, and the child for whom the account is set up is the beneficiary (收益人). You wont deal directly with the state, but rather with the asset management/investment company. State-to-state variations [ D ] Because each state can control some of the features of its own plan, there are variations from state to state. Most plans follow the same general scheme (and federal requirements), but make sure you compare plans among states other than your own. Most states dont require residency in order to participate, so shop around different states for the best deal. The benefits: tax treatment [ E ] All of the accounts earnings are exempt from federal tax when they are withdrawn if they are used for qualified education expenses. This means that, unlike the taxes you have to pay on earnings from regular stock investments, you wont pay any tax on the 529 account earnings unless you end up using the money for something other than higher education. Earnings are currently tax deferred in most states, as well. [ F ] A break on the earnings tax isnt the only tax advantage, either. Although your contributions arent pre-tax (you pay state and federal tax on the money you put into the account), there are some states that let you deduct a portion of your contributions from your state taxes. More states will probably follow suit in the coming years. The benefits: account control [ G ] Unlike Education Savings Accounts (ESA．, the account owner always has control of the money.This helps lessen that parental anxiety that the juniorwill take the money and tour Europe or buy a Porsche instead of going to college. There are no restrictions on who can open an account for whom.You can open an account for your child, a friends child, a relative, the paper boy, or even yourself. The benefits: income eligibility [H] Did you know that with an ESA, you arent eligible to contribute if you make more than $ ll0,0OO per year ($ 220,000 for married couples)？ Unlike ESA, your income does not affect your eligibility to open a 529 account. Contributions to 529 plans also qualify for the $11,000 ($ 22,000 for married couples in 2002 ) annual gift tax exclusion. You can also contribute up to five years of gifts during the first year, meaning you can put in up to $55,000 ($110,000 for married couples). This is a great benefit in situations where inheritance money enters the picture. Your account can grow up to $ 268,000 in some states. You can contribute as little as $ 25 to $ 50 per month. The benefits: how the money can be used [ I ] In most states, there is no age limit or time limit for when the money has to be used. Your child can put off college indefinitely, in which case you have the option of rolling the account over to another child as long as that child is in the same family of the first beneficiary. In case youre wondering just who is considered "family", the plan defines family members as "the original beneficiarys spouse,children, sisters, brothers, nephews, nieces, first cousins, and any spouses of those persons. " [ J ] Your child can go to any accredited (官方认可的) degree granting educational institution, whether it is public, private, two-year, or four:year. There are even some international schools that qualify. In most states, qualified education costs include tuition, books, room, board, transportation, and even computers. In the event that your child gets a scholarship, then the remainder of the 529 account can be rolled over to another sibling (or relative), or it can be cashed out with no penalty other than the tax paid (at your rate) on the earnings. The same rule applies in the event of the childs death or disability. The benefits: investment control [ K] If the thought of turning over your hard earned money to the state makes you a little uneasy, rest assured that the state doesnt control your money. In fact, most states are signing on with well known, successful investment companies such as TIAA CREF, Vanguard and Fidelity. The number and types of investment options vary by state, and once you select your option you cant change it.You can, however, roll your money over into another states plan if youre not happy with your chosen investment option. There is no penalty to roll the money over into another states plan, and you can do it once every 12 months. Most states have no residence requirement for their 529 plans. [ L ] Many plans are also offering investment choices that are age-based. This means that if youre starting early, perhaps when your child is age one to three, the investments can begin aggressively in stocks then gradually shift to bonds and money market accounts as your child gets closer to college age.Some state plans offer several levels of options for aggressive, moderate and conservative investments. [ M] If you cant reach the risk level you want in one plan, you can always open a second 529 account in the same or another state. You can have as many accounts as you want and can also contribute to both a 529 plan and an ESA. That way, you can diversify your investments in the event that the plan doesnt offer the investment mix you would like. If a child fail to use the 529 plan savings for college, the money can be transferred to another child in the family.

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第3题

The 529 account owner always controls the money to avoid spending on other things.

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第4题

You can inform. your embassy of your account number so that your money can be()directl

You can inform. your embassy of your account number so that your money can be（)directl

A.transferred

B.transported

C.Transformed

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第5题

When reserving a hotel room with your check card, you have to decide how much money in you

r account has to be on hold.

A．Y

B．N

C．NG

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第6题

After an accident you wait for the police because______.A．it is against the law to drive o

After an accident you wait for the police because______.

A．it is against the law to drive off

B．they have to examine your papers

C．somebody may give them a false account of the car

D．they have to note the position of your car

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第7题

听力原文：M: I'd like to inquire about some of the charges on my electricity hills. I can't

understand why it is so high this month.

W: I'd be happy to send you more detailed explanation if you give me your account number.

Q: What does the woman mean？

(19)

A．She can send the man additional information.

B．The man received the wrong bill.

C．She will credit the man's account.

D．She agrees that the charges are too high.

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第8题

Electronic banking has radically changed the way customers can do banking.Before e-ba

nking, if you wanted to check an account balance, you physically had to go to the bank branch.Now there are many banking methods available.A TMs have become.very useful, because they allow you to check balances, make deposit, withdraw funds and transfer money.Telephone banking enables you to conduct electronic funds transfer, check balances and pay bills.Mobile banking functions nearly the same as telephone banking, except that information is carried by Short Message Service.Online banking on the other hand provides you with many more services.They include changing account details like address, and password, arranging bill payments, viewing transactions and transferring money between accounts.It is important to protect your personal information when banking online.You should clear your cookies after each banking session, and make sure that your password is long enough to prevent it from being easily hacked.

26.People used to check their account balance at/by().

A.banks

B.ATMs

C.online banking

27.Which seems to have most functions()

A.ATM

B.telephone bankmg

C.online banking

28.Which of the following is NOT true in the passage()

A.Online banking password should be as short as possible.

B.E-banking is very convenient and time--savmg.

C.You can take out money at A TMs.

29.It is important to protect your when banking online().

A.account

B.address

C.password

30.The passage is mainly about().

A.how to be safe in online banking

B.what types the e-banking includes and the basic function for each type

C.how to change a customer's personal information in a bank

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第9题

Open a savings account. Savings accounts are good for(1)reasons. First, you have money

Open a savings account. Savings accounts are good for（1)reasons. First, you have money

(2)you need it. A good rule is to save enough money to pay(3)three months of your living expenses, just in case you get sick or have other problems. Second, you can(4)money by saving money. Banks, saving and loan companies, and credit unions all pay interest on money(5)in savings accounts. You can(6)an account at the bank(7)you have your checking account. Or you can look for(8)place to save your money—another bank, a savings and loan company,(9)a credit union. It is easier(10)all your banking in one place. But you may want to put your money(11)it will earn the highest(12). See how(13)interest your bank is paying on saving accounts. Then check other 10 points 10 points 3 places to find the best interest rate. Opening a savings account is very(14)to opening a checking account. The New Accounts(15)will do all the paperwork and take your deposit. Most bank expect you(16)a certain amount of money to open your savings account. The account is different(17)different banks. At some banks you will get a book(18)the bank record your savings. Whenever you deposit money in your savings account or withdraw money, the teller(19)the amount in your book. Periodically—for example,(20)—the teller will also record your interest.

(1)A.one

B.two

C.three

D.many

(2)A.in case

B.because

C.unless

D.when

(3)A.for

B.to

C.in

D.on

(4)A.take

B.buy

C.place

D.make

(5)A.keeping

B.keep

C.kept

D.having kept

(6)A.get

B.buy

C.take

D.open

(7)A.which

B.that

C.where

D.there

(8)A.another

B.the other

C.other

D.the others

(9)A.of

B.or

C.and

D.but

(10)A.doing

B.to be done

C.to doing

D.to do

(11)A.where

B.who

C.what

D.when

(12)A.interest

B.price

C.money

D.amount

(13)A.many

B.never

C.much

D.ever

(14)A.same

B.alike

C.likely

D.similar

(15)A.waitress

B.person

C.shop-assistant

D.servant

(16)A.to deposit

B.deposit

C.depositing

D.to depositing

(17)A.on

B.to

C.in

D.at

(18)A.in which

B.in that

C.which

D.that

(19)A.record

B.records

C.will record

D.recorded

(20)A.three months every

B.every months three

C.every three months

D.months every three

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第10题

Deliveries often arrive too late.You, therefore want to send reminders to your vendor

s.Which prerequisites must be fulfilled to generate reminders for a purchase？ Order item？ There are 2 correct answers to this question.()

A.You have entered at least one reminder level in the purchase order item

B.The purchase order must be output

C.The delivery date is at least one week in the past

D.The purchase order item has no account assignment category

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