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【单选题】
'It is always better to buy a house; paying rent is like pouring money down the drain.' For years, such advice has encouraged people to borrow heavily to get on the property ladder as soon as possible. But is it still sound advice? House prices are currently at record levels in relation to rents in many parts of the world and it now often makes more financial sense—especially for first—time buyers—to rent instead. Homebuyers tend to underestimate their costs. Once maintenance costs, insurance and property taxes are added to mortgage payments, total annual outgoings now easily exceed the cost of renting an equivalent property, even after taking account of tax breaks. Ah, but capital gains will more than make up for that, it is popularly argued. Over the past seven years, average house prices in America have risen by 65%, those in Britain, Spain, Australia and Ireland have more than doubled. But it is unrealistic to expect such gains to continue. Making the (optimistic) assumption that house prices instead rise in line with inflation, and including buying and selling costs, then over a period of seven years—the average time American owners stay in one house—our calculations show that you would generally be better off renting. Be warned, if you make such a bold claim at a dinner party, you will immediately be set upon. Paying rent is throwing money away, it will be argued. Much better to spend the money on a mortgage, and by so doing build up equity. The snag is that the typical first-time buyer keeps a house for less than five years, and during that time most mortgage payments go on interest, not on repaying the loan. And if prices fall, it could wipe out your equity. In any case, a renter can accumulate wealth by putting the money saved each year from the lower cost of renting into shares. There have, historically, yielded a higher return than housing. Putting all your money into a house also breaks the basic rule of prudent investing: diversify. And yes, it is true that a mortgage leverages the gains on your initial deposit on a house, but it also amplifies your losses if house prices fall. 'I want to have a place to call home,' is a popular retort. Renting provides less long-term security and you cannot paint all the walls orange if you want to. Home owner ship is an excellent personal goal, but it may not always make financial sense. The pride of 'owning' your own home may quickly fade if you are saddled with a mortgage that costs much more than renting. Also, renting does have some advantages. Renters find it easier to move for job or family reasons. 'If I don't buy now, I'll never get on the property ladder' is a common cry from first-time buyers. If house prices continue to outpace wages, that is true. But it now looks unlikely. When prices get out of line with what first-timers can afford, as they are today, they always eventually fall in real terms. The myth that buying is always better than renting grew out of the high inflation era of the 1970s and 1980s. First-time buyers then al ways ended up better off than renters, because inflation eroded the real value of mortgages even while it pushed up rents. Mortgage-interest tax relief was also worth more when inflation, and hence nominal interest rates, was high. With inflation now tamed, home owner ship is far less attractive. The divergence between rents and house prices is, of course, evidence of a housing bubble. Someday prices will fall relative to rents and wages. After they do, it will make sense to buy a home. Until they do, the smart money is on renting. The word 'it'(Line 3, Paragraph 1) denotes
A.
to purchase,
B.
to rent.
C.
to pay.
D.
to lend.
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【单选题】一患儿8月。诊断为佝偻病活动期,正在治疗时,患儿出现发热,咳嗽,且肺部听诊闻及中小水泡音,此时选择哪种方法治疗佝偻病更好
A.
暂不治疗佝偻病,先治疗肺炎
B.
口服大剂量维生素D,每日2万IU,一月后改预防量口服
C.
肌注维生素D360万IU,肌注一次,同时补钙
D.
肌注维生素D330万IU,二次肌注,相隔2~4周
E.
肌注维生素D380万IU,二次肌注
【单选题】患儿8个月,诊断为佝偻病活动期,在治疗过程中患肺炎,此时选择哪种方法治疗佝偻病最好()
A.
口服维生素D,每日10000IU
B.
口服维生素D,每日20000IU
C.
肌内注射维生素D60万IU一次
D.
肌内注射维生素D30万IU一次
E.
肌内注射维生素D60万IU两次
【单选题】Water freezes at __________ and boils at _________.
A.
0 ℉, 100 ℉
B.
32 ℉ ,    212 ℉
C.
32 ℃, 212 ℃
D.
32 ℉, 100 ℉
【简答题】Warm water freezes more quickly than cold water. Sir Francis Bacon said that almost four hundred years ago. But few people believed him. Later, a Canadian scientist George Kell proved the English scho...
【单选题】治疗佝偻病活动早期口服法,每日给维生素D剂量为()
A.
0.5万~1万U
B.
0.2万~0.4万U
C.
1万~2万U
D.
3万~4万U
E.
5万~6万U
【单选题】治疗佝偻病活动早期口服法,每日给维生素D剂量为( )
A.
0.5万~1万IU
B.
0.2~0.4万IU
C.
1~2万IU
D.
3万~4万IU
E.
5万~6万IU
【简答题】当室外日平均气温连续5D稳定低于( )时,砌体工程应该采取冬季施工措施。
【简答题】Warm water freezes more quickly than cold water. Sir Francis Bacon said that almost four hundred years ago. But few people believed him until 1970. In that year a Canadian scientist George Kill proved...
【简答题】A solution containing 3.24 g of a nonvolatile nonelectrolyte dissolved in 500 g of water freezes at - 0. 465℃. Determine the molecular weight of the solute.
【单选题】治疗佝偻病活动早期口服法,每日给维生素D剂量为()
A.
0.2万~0.57YIU
B.
0.5万~1万IU
C.
1万~2万IU
D.
3~4万IU
E.
5~6万IU
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