[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-48-024":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_prac-48-024","48",24,"張太太擬出外上班，如果上班後每月要增加服裝化妝品 5,000 元、交通費 5,000 元、外食費 5,000 元、保母費30,000 元，以適用邊際稅率 20%而言，則張太太每月稅前薪資收入額至少應為多少才划算？",[13,14,15,16],"15,250 元","30,000 元","45,250 元","56,250 元",3,"家庭現金流量管理",2,"上班每月新增支出=服裝5000+交通5000+外食5000+保母30000=45000元，此為稅後淨需求。稅前×(1−20%)≥45000，稅前≥45000÷0.8=56250元才划算，故選(4)。其他選項未還原邊際稅率。","hard",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-004","理財人員在協助客戶控管其理財規劃執行進度時，下列建議何者錯誤？",4,{"id":28,"question":29,"qno":30},"fin_plan_prac-47-008","小鍾月薪 10 萬元，每月之薪資所得扣繳 1.3 萬元、勞健保費 4 千元、交通費及餐費 8 千元、固定生活費 4萬元、房貸本息支出 2 萬元，則小鍾的收支平衡點之月收入為多少萬元？",8,{"id":32,"question":33,"qno":34},"fin_plan_prac-47-009","小明目前淨資產為 400 萬元，假設年投資報酬率為 8%，而目前年支出為 200 萬元，則小明的財務自由度為下列何者？",9,{"id":36,"question":37,"qno":38},"fin_plan_prac-47-010","小陳家庭的年基本支出為 40 萬元，而家庭年收入為 100 萬元，年消費支出為 90 萬元，則小陳的邊際消費率為下列何者？",10,{"id":40,"question":41,"qno":42},"fin_plan_prac-47-012","B 君每月固定薪資 10 萬元，每月生活費用為 4 萬元，30 年房貸，每月攤還本利和 2 萬元，假設無其他收入及支出，每月剩餘全額均投資於定存，若存款利率等於通貨膨脹率，則 30 年後 B 君存款金額為何？",12,{"id":44,"question":45,"qno":46},"fin_plan_prac-47-013","商店收入的 60%是估計的進貨成本，每月租金等雜費為 3 萬元，月收入為 20 萬元，真正賺到的錢為多少？",13,1783434648220]