【正文】 ent or relative who lends should receive interest the same as any other lender. Chris Roddy For most consumers the cheapest place to borrow is at a mercial bank. Banks are a good source of installment loans which may run for 12 months or up to 36. Most banks also make singlepayment loans to consumers for short periods30, 60, or 90 days. A typical interest rate is 3 cents per $100 per day. Suppose that you used $100 of your credit and repaid it in 30 days. The cost would be 90 cents. Karen Barber Another possible source of loans is a life insurance policy. Anyone who owns this type of insurance may borrow up to the amount of its cash value. The amount the insurance pany will pay in case of death is reduced by the amount of 中國(guó)最大的管理資料下載中心 (收集 \整理 . 部分版權(quán)歸原作者所有 ) 第 19 頁(yè) 共 108 頁(yè) the loan. For example, suppose that someone with $10,000 of insurance borrows $2,000 and dies leaving the loan unpaid. The insurance pany would pay only $8,000 to the person entitled to receive the money. Louise Richard Borrowing from pawnbrokers is both easy and expensive. In exchange for a loan the borrower leaves some item of value such as jewelry, a camera, a musical instrument, or clothing. Usually the amount of money received is far less than the actual value of the item left. When a borrower repays the loan plus interest, the pawnbroker returns the item. If the loan is not paid within a year, the pawnbroker gets his or her money by selling the item. Jodie Morse When money is urgently needed, people may agree to pay any price for a loan. Too late, they may find themselves in the clutches of loan sharks. A loan shark is an unlicensed lender because their rates are higher than the law allows, sometimes 1,000 percent or more a year. Borrowers are hardly ever able to repay their loans. It is all they can do to pay the interest. Borrowers who fail to pay the interest on time have been threatened with injury. Now match each of the persons to the appropriate statement. Note: there are two extra statements. Statements 61. Mark Lilla [A] A person can borrow as much as his life insurance39。s viewpoint. The reason why assertiveness may not e naturally is that we often tend to believe that we must talk around a subject rather than be direct, or that we must offer excuses or justifications forour actions. In fact we all have a right to use assertive behaviour in a variety of situations. We are often schooled early in life to believe that sometimes our own need to express ourselves must take secondary place. For example, in dealing with those in privileged positions such as specialists, we often feel that speaking assertively is, in some way, breaking the rules. Everybody has certain basic human rights, but often we feel guilty about exercising them. 56. According to the passage, an assertive person ________. [ A ] makes other people feel unfairly treated 中國(guó)最大的管理資料下載中心 (收集 \整理 . 部分版權(quán)歸原作者所有 ) 第 17 頁(yè) 共 108 頁(yè) [ B ] puts forward his ideas at the expense of others [C] does not show respect to other people [ D ] speaks out what he wants to say forcefully 57. Which of the following is NOT the reason that many people prefer not to be assertive? [A] They would rather be aggressive than be assertive. [B] It39。 s attitude towards them. Disabled people face many physical barriers. Next time you go shopping or to work or visit friends, imagine how you would manage if you could not get up steps, or on to buses and trains. How would you cope if you could not see where you were going or could not hear the traffic? But there are other barriers: prejudice can be even harder to break down and ignorance inevitably represents by far the greatest barrier of all. It is almost impossible for the ablebodied to fully appreciate what the severely disabled go through, so it is important to draw attention to these barriers and show that it is the individual person and their ability, not their disability, which counts. 46. The first paragraph points out that _________. { A J it is possible to get an exact figure of the world 39。 s daughter. [B] They wanted to earn some pocket money. [C] They needed money for their classmate39。t have to go to the concert. [ B] His brother should let them use the car. [ C ] The subway is fine with her. [D] A car wouldn 39。 ，保持卷面整潔。考生得到監(jiān)考人員指令后方可開(kāi)始答題。待監(jiān)考人員收畢清點(diǎn)后，方可離場(chǎng)。t know how to do his job. [D] He 中國(guó)最大的管理資料下載中心 (收集 \整理 . 部分版權(quán)歸原作者所有 ) 第 4 頁(yè) 共 108 頁(yè) doesn39。s relatives. [B] The car owners. [C] Their parents. [D] Residents of the building. 22. What did the girl want to do? [A] To live with her relatives. [B] To be independent. [ C] To bee a doctor. [ D] To stay with one of her classmates. 中國(guó)最大的管理資料下載中心 (收集 \整理 . 部分版權(quán)歸原作者所有 ) 第 8 頁(yè) 共 108 頁(yè) You now have 40 seconds to check your answers to questions 19 22. Questions 23 25 are based on the following conversation. You now have 15 seconds to read the questions 23 25. 23. What does the man want to do? [A] Play basketball with friends from work. [ B] Try out for the pany basketball team. [ C ] Get in shape and pete in a cycling race. [ D ] Bee a star player. 24. What is the woman39。t call your house so long as you keep eating fish each day. [C] Among all the diseases heart disease is the most dangerous in America. [D] There is a low incidence of heart disease in 中國(guó)最大的管理資料下載中心 (收集 \整理 . 部分版權(quán)歸原作者所有