1.

According to the text, Messi's parents moved to Barcelona

A. Because they were very poor in Argentina.
B. Because they wanted Messi to be successful in soccer.
C. So that Messi could learn in the best soccer club.
D. To get Messi's health problem cured.
E. To find the best treatment to cure Messi's health problem.
2.What is the main idea of the third paragraph?
A. He hasn't really attractive face, but he's a very good football player.
B. Lionel Messi is a good player for FC. Barcelona.
C. His best characteristics are on the foot has competitiveness.
D. He appears to be a quite good and modest person.
E. He has long black hair and brown eyes.
The following text is for questions 3 and 4.
Dear sir /madam,
I am writing to complain about an article in last Monday’s newspaper. “Schools
fail low-income children.” As the head teacher of one of the largest junior high
schools in the city, I feel strongly that the article does not describe our school.
My school has children from many different economic backgrounds, but a large
percentage come from lower-income families. Nevertheless, our tests show that
the children do well and benefit from the excellent work our teachers do. Last
year our school moved from 24th to 5 th place according to the official
assessment by the state government. This is clearly not the “failure” that the
article suggests.
I would strongly recommend that more careful research should be conducted in
the future so that your newspaper will more realistically describe the true
situation in our schools.
Yours sincerely
Joan Gonzale
3. The letter shows Ms. Gonzalez’s strong disagreement with the newspaper’s
claim that ....
A. Children from low-income families do not perform well in the official
assessment
B. The poor students in her school fail in the national examination.
C. Her school only admit students from economically advantaged families .
D. Many of her students fail because of their parents’low income.
E. Low-income children are not as good as high-income children
4.What is expected by Joan Gonzalez from Monday’s newspaper?
A. To present information based on facts
B. To conduct more research.
C. To fix information given.
D. To explain more about that school.
E. To be responsible for the report.
5.Arrange the following phrases or sentences into the correct order!
1. Then tie the branches with wire.
2. Make sure to shape it as you want.
3. Finally the Bonsai will grow well.
4. When the tree is older, wire is removed.
5. You take a healthy young tree, almost all kind of tree will be possible.
6. After that give plenty of fertilizer, and cut the branches regularly to be
shorter.
The correct arrangement is ....
A. 2 – 5 – 4 – 1 – 6 – 3
B. 4 – 5 – 1 – 6 – 2 – 3
C. 2 – 1 – 4 – 5 – 6 – 3
D. 5 – 2 – 1 – 6 – 4 – 3
E. 5 – 1 – 2 – 4 – 6 – 3.
The following text is for questions 6 to 8.
USE AF FORMALIN AND OTHER ADDITIVES IN FOODS
The use of formalin and other dangerous preservatives in food has been a
serious for two reasons. Firstly, formalin is not for human beings, but it is for
biological specimen and experiments. Formalin in biology is a 10% solution of
formaldehyde in water which is usually used as a disinfectant or to preserve
biological specimens. Thus, it is not for food preservative, it will be very
dangerous to human’s body.
The second reason is that there is not tight control from the government. This
condition makes the people’s health is really in a threat. When the control is
weak and the use of formalin is spread wide all over the Indonesia regions, and
these days it has really happened, the citizens’ bodies will be badly contaminated
with the poisons. Fish or food traders still sell their product which contain
formalin and dangerous preservatives. Can you imagine that our digestive
system absorbs the substance the should be for the human and animal corpses?
Considering the reasons, we can makes a conclusion that the use of formalin and
other preservatives is really a serious problem if it is not resolved immediately.
6.Why is formalin dangerous for human’s body?
A. It is not food preservatives
B. It is a disinfectant for human beings.
C. It is used to preserve biological specimens
D. It is 10% solution of formaldehyde in water .
E. It is controlled flighty from government
7. The main idea of paragraph 2 is ….
A. The human’s bodies will be harmful after consuming the formalin
B. The government has not controlled the use of formalin firmly
C. The weak control of using formalin is not threatening the human
D. The human’s bodies will be harmful after consuming the formalin
E. The use of formalin is know all over the regions
8. Based on the facts above, the writer suggests that…
A. People have to avoid consuming formalin in their food
B. The use of formaldehyde is necessary to control the food
C. People should add 10% solution of formaldehyde in water
D. The food preservative is required to make the food delicious
E. Food seller is supposed to pour formalin for vegetable and food products
The following textis for questions 9 to 12.
If someone is having a nose bleed, your priority is to control the bleeding and
keep their airway open.
Get them to sit down (not lie down) as keeping the nose above the heart will
reduce bleeding.
Get them to lean forward (not backwards), to make sure the blood drains out
through their pause every ten minutes, until the bleeding stops.
Encourage them not to speak, swallow, cough, spit or sniff because this may
break blood clots that may have started to form in the nose.
If the bleeding is severe, or if it lasts more than 30 minutes, call for medical help.
9.What is the purpose of the text?
A. To inform the readers the methods to help nose bleeding patients
B. To report the procedural steps in helping nose bleeding patients.
C. To illustrate the preventive methods of nose bleeding
D. To provide instant help for nose bleeding patients
E. To describe the control methods of nose bleeding
10. The text is mostly useful in a condition ...
A.When the bleeding cannot be controlled
B.When the patient's airway is blocked
C.When the nose bleed occurs regularly
D.When the nose bleed just accured
E.When the patients keep coughing
11. In case of nose bleeding, if person speaks, ...
A. His/her blood drains out though his/her nose
B. He/she will suffer from severe bleeding
C. His/her throat will block the airway
D. His/her blood clot will not form
E His/her nose bleeds again
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12. "... to make sure the blood drains out ..." (paragraph 3) The underlined word is
closest in meaning to ...
A. Travel
B. Portray
C. Remark
D. Stream
E. Proceed
The following textis for questions 13 to 15.
Webcams Make Alaska Bears Accessible Mark Thiessen, Associated Press,
Anchorage, Alaska Sci-Tech Tue, July 24, 2012, 6:15 PM
A new video initiative is bringing the famed brown bears of Alaska’s Katmai
National Park directly to computers and smartphones.
Without having to go there, you’ll be able to watch mature bears compete for
salmon at Brook Falls and other sites and cubs tumbling over each other as they
play. Starting Tuesday, a live Web stream (http:// is.gd/bfPAs8) will allow the
public to log on and see the brown bears in their natural habitat.
“I think it’s an unparalleled opportunity for people to get that front row seat of
the lives of the bears at Brooks Camp”, said Roy Wood, chief of interpretation for
Katmai National Park and Preserve.
The project is a partnership with explore. org, which set up four high-definition
cameras in Katmai, spokesman Jason Damata told The Associated Press. Three
of them are at existing viewing stands where bear fans come to watch the
animals.
The cameras provide access to a national park that is difficult to reach and
expensive for most tourists. It is about 275 miles southwest of Anchorage, but
no roads lead to Katmai. A trip there involves multiple airplanes and a lot of
advanced planning: it’s hard to get a lodge reservation at Brooks Camp before
2014. Camping is allowed, but on a reservation system that goes online January
5.
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“It takes a lot of time, a lot of effort and a lot of money, and the webcams will
make it accessible to anyone with access to a computer, a smartphone, a table
device,” Wood said.
13.What is the text about?
A.A video display of Katmai’s bears for computers and smartphones
B. The life of Alaskan bears in the natural habitat.
C. How to protect the endangered Alaskan bears.
D. The bears of Katmai National Park in Alaska
E.Webcams with the newest technologyr
14. It’s proudly stated in the text that ....
A.A new video can be used with a computer
B. The project is partnership with explore.org and Katmai
C. We can used the new video to shoot bears without going to their habitat
D. Katmai National Park has made a video of their bears in nature
environment
E. Webcams enable us to see bears’ life in nature on a computer or a
smartphone
15. “.... to watch mature bears compete for salmon at Brook Falls. “ (paragraph 2)
The underlined word is the most closely associated to....
A. Fight
B. Kill
C. Hug
D. Defeat
E. Defend
This text is for questions 16 and 17
ANNOUNCEMENT
Due to the Education Ministry decree mentioned that all students
especially in government high schools are obliged to take final Exam or Ujian
Nasional based on computer or CBT, we are expectedly eager to invite all English
teachers to come and join at CBT Training held by our MGMP on Monday,
February 22, 2016, 08.00 PMat SMA Negeri 56 West Jakarta.
This announcement is legally made based on the instruction of the local
authority and the official invitation will be distributed at the time. Please also
bring your laptop and cable roll. To make it easier and more efficient, each
participant is expected to prepare a softcopy of complete paper based test which
is later going to be converted into CBT. A flask disc and modem will be necessary
also.
Hopefully, this program will give any important contributions to our beloved
students in facing the exam. Thanks for your attention and we are looking
forward to seeing all of you at the training.1
16. What is the text about?
A. The instruction of using CBT for Ujian Nasional
B. The legal notification for using CBT in Ujian Nasional
C. The CBT training invitation for teachers in West Jakarta
D. The importance of using CBT for Ujian Nasional to students
E. The announcement of new regulation on CBT for Ujian Nasional
17. A teacher should bring … beside a laptop, cable roll, a flask disc and modem in
the training.
A.the CBT training invitation
B. the legal letter of invitation
C. an identity card
D. a manual complete paper based test
E.CBT software
Questions 18 – 21 are about the following text.
A tornado can do a lot of damage. The wind of tornado rushes at great speed
around a funnel-shaped cloud. It travels in a path a few hundred feet wide and
about twenty-five miles long. As the wind circles counterclockwise, the funnel
spirals higher and higher. The force of the wind sucks tip water, dirt, and
objects, and carries them along with it. It may drop them again many
miles away. Houses and huge trees have been drawn into tornado funnels. At
sea, ships have been nearly sunk by tornadoes dropping water on them.
East of Australia people talk about a rain of blood. This is caused by a tornado
picking up red dust and mixing it with water to make red rain. There are even
stories about a rain of fish and frogs caused by a tornado sucking them up and
then dropping them.
18.A tornado is a …
A. Rainstorm
B. dust storm
C. great circling wind
D. huge funnel of water
E. a rain of blood
19. The path of tornado is usually …
A. short and narrow
B. wider than its length
C. as long as its width
D. as long as its width
E. a and b
20. The wind in a tornado usually travels … .
A. straight up
B. up and around
C. down
D. botton
E. spiral
21. The “rain of blood” east of Australia made of … ....
A. fishes and frogs
B. red dust and water
C. rusty water
D. real blood
E. sea water
Thistext isfor questions 22 to 24
JK. Rowling was born in Chipping Sodury, July 31st 1965. Her childhood was
generally happy, although she does remember getting teased because of her
name, “Rowling” – She recalls often getting called “Rowling pin” by her less than
ingenious school friends. She studied at St Michael’s Primary School in
Gloucestershire, before moving to Chepstow, South Wales at the age of nine.
From an early age, JK. Rowling had an ambition to be a writer. She often
tried her hand at writing, although little came from her early efforts. Aged six
she wrote a book about a rabbit with measles. After her mother praised her
effort, Rowling replied ‘well get it published then.’ She admits it was a ‘Bit of an
odd thing for a child of six to think. I don’t know where it came from…”
In 1991, she left England to get a job as an English teacher in Portugal. It
was here that she met her first husband, Jorge Arantes – and had a child Jessica.
However, after a couple of years, the couple split after a fierce argument; where
by all accounts JK. Rowling was thrown out of the house.
On the 21st December 2006, she finished her final book of the Harry
Potter Series – “Harry Potter and the Deathly Hallows“. The book was released in
July 2007, becoming one of the fastest selling books of all time. Rowling has said
the book is her favourite, and it makes her both happy and sad. She has said she
will continue writing but there is little chance of continuing the Harry Potter
Series. She however, may release a dictionary of things related to Hogwarts and
Harry Potter that were never published in other books.
Rowling currently lives in Scotland, on the banks of the river Tay, with her
2nd husband Neil Murray; and has 3 children, two with husband Neil.3
22. The text tells us about....
A. The achievement of J.K Rowling
B. The description of J.K Rowling
C. The childhood of J.K Rowling
D. The ambition of J.K Rowling
E. The life of J.K Rowling
23. How did J.K Rowling divorce?
A. She split with her husband after two years with no a big deal problem
B. She moved from England to Portugal because of being teacher
C. She was forced to divorce because of her career demands
D. She was the only one person who earned for their living
E. She had different perspective with her husband
24. “The book was released in July 2007.” Synonym
The underlined word means....
A. edited.
B. written
C.launched
D. promoted
E. announced
The following text is for questions 25 and 26.
Jakarta post: The research, published in the proceedings of the Royal Society
B, has investigated the bacterium in eleven individuals ranging from as far
back as the Bronze age up to the twentieth century. Samples have been taken
from individuals in Europe and in both pre and post-colonial America. The
oldest case study was that of an individual from 1200 BC, found in Burial cave
in Mountainsell (Licidia, Catalonia).
The study found that ancient genetic material from principle Bacterium,
streptococcus mutant, cause dental carries. The mutant has increased its
genetic material change overtime. This is possibly due to the coincidence of
dietary changes that are linked with the expansion of humanity.
Similar study conducted by researchers from the University Autonma de
Barcelona (UAB) and laboratoria Nasional de Genomica para la Bie diversided, Mexico, put the
genetic material in order and found that genetic diversity has
been produced, especially in the fragment of a gene that codifies a virulence
factor known as dextranase.
25. How could the ancient genetic expand to humanity?. . .
A. Through coincidental links with human’s dietary changes
B. Through the change in its genetic material
C. Through an increase in genetic diversity
D. Through the fragment of a gene
E. Through the investigated bacterium of eleven individuals
26.What is the first paragraph about?
A. The research genetic diversity
B. The investigation of dental carries
C. The investigation of Bacterium
D. The samples of individuals from precolonial Europe
E. The investigation of the bacterium in eleven individuals
The following textis for questions 27 and 28.
Chinese Group Demands that Japanese Emperor Return Ancient Artefact
By Ankit Panda February 13, 2016
Adding to a growing list of diplomatic disputes between China and Japan, a
Chinese group is demanding that Japan’s emperor return a 1.300-year-old
artefact that was allegedly looted by Japanese Soldiers in the 1930s. According
to a Xinhua report, the artefact in question in the Honglujing Stele, originally
from “north eastern China.” The request was made in a letter addressed to
Emperor Akihito of Japan by China Federation of Demanding Compensation
from Japan (CFDC) via Japan’s embassy in China. The request has been
prominently reported by both China’s domestic and international media outlets,
suggesting that part of the intent is to shame Japan for its actions during the first
half of the 20th century.
From Xinhua’s report, it is unclear the extent to which the Chinese government
is involved in the request for the return on the artefact. The China Federation of
Demanding Compensation from Japan (CFDC) is a civic group, independent of
the government. According to Xinhua, “This is the first time a Chinese civic group
has asked the Japanese imperial family for the return of a looted Chinese relic.
“The group” seeks compensation for personal, material, and spiritual damage
caused by Japanese militarism during the country’s aggression against China in
the 20th century.”
27. What can be inferred from the text?
A.China and Japan had a great relationship during the first half of the 20th
century
B. China Federation of Demanding Compensation (CFDC) has asked Japan
to return the artefact without any condition
C. Japan was ruled by China in the 20th century
D. CFDC wanted the Japan emperor to admit their aggression to China in
the 20th century
E. CFDC may have sent a letter directly to the Japan emperor without
involving their government
28. “..., a Chinese Group is demanding that Japan emperor return a 1.300-yearold artefact that was
allegedly looted by Japanese soldiers in the 1930s.”
(Paragraph 1). The underlined word is closest in meaning to....
A. Stole
B. Damaged
C. Neglected
D. Borrowed
E. Taken
29. Rearrange the following sentences into the correct and meaningful
paragraph!
1) If you don‟t have an account yet, create one.
2) Sign in to get into your account in your mail provider.
3) Click compose message button to start writing your email.
4) Type the message you want to send just like typing a letter.
5) You may add a title for your email by typing it in the subject bar below the
address.
6) When you finish typing, click send button. Your email will be sent to the
desired address.
7) Prior to writing, decide the receiving mail address by typing it on the
address bar or browsing it in your contact database.
The best arrangement of sentences above is ....
A. 1-2-4-5-7-3-6
B. 2-1-3-7-5-4-6
C. 3-7-4-5-1-2-6
D. 4-3-2-1-5-7-6
E. 7-3-4-2-1-5-6
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Questions 30 - 31 are about the following explanation
All butterflies have "complete metamorphosis". To grow into an adult they
go some through its stages and each stage has a different goal.
A butterfly starts life as a very small, round, oval or cylindrical egg. The
coolest thing about butterfly eggs, especially monarch butterfly eggs, is that if
you look close enough you can actually see the tiny caterpillar growing inside of
it. Butterfly eggs are usually laid on the leaves of plants, so if you are actively
searching for these very tiny eggs, you will have to take some time and examine
quite a few leaves in order to find some. When the egg hatches, the caterpillar will start his work and
eat the leaf
they were born onto. This is really important because the mother butterfly
needs to lay her eggs on certain type of leaf which the caterpillar will eat - each
type of caterpillar likes only certain types of leaves. Since they are tiny and
cannot travel to a new plant, the mother caterpillar needs to hatch its egg on the
kind of leaf it wants to eat. Caterpillars need to eat and eat so they can grow
quickly. When a caterpillar is born, they are extremely small. When they start
eating, they instantly start growing and expanding. Their exoskeleton (skin)
does not stretch or grow, so they grow by "molting" (shedding the outgrown
skin) several times while it is growing.
The pupa stage is one of the coolest stages of a butterfly's life. As soon as a
caterpillar has reached its full length or weight, it changes itself into a pupa, also
known as a chrysalis. This is the stage of developing.
Finally, when the caterpillar has fully grown adult if you are lucky, you
will see an adult butterfly emerge. When the butterfly emerges from the
chrysalis, both of the wings are soft and folded against its body. The butterfly will
be able to fly after the blood circulation reaches its wings.
30. The text is about ....
A. the growth of a butterfly
B the characteristics of a butterfly
C. the lifecycle of a butterfly
D. fully grown butterfly
E. the reproductive system of a butterfly
31. What will happen if the caterpillar has reached its full weight and length? It
will ....
A. lay eggs
B. start eating
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C. search for food
D.form a chrysalis
E. emerge a beautiful butterfly
Thistext isfor questions 32 to 34
32. From the last paragraph, the white butterfly represented ….
A. Takahama’s sister
B. Takahama’s fiancée
C. Takahama’s mother
D. Takahama’s nephew
E. Takahama’s sister in-law
33.Why did Takahama decide to be an unmarried man? Detailed info
Because …..
A. Akiko betrayed Takahama’s sincere love
B. Takahama loved The late Akiko very much
C.Akiko never wanted to be betrothed with Takahama
An old man named Takahama lived in a little house behind the
cemetery of the temple of Sozanji. He was extremely amiable and
generally liked by his neighbors, though most of them considered him
to be a little mad. His madness, it would appear, entirely rested upon
the fact that he had never married or evinced desire for intimate
companionship with women.
One summer day he became very ill, so ill, in fact, that he sent for
his sister-in-law and her son. They both came and did all they could to
bring comfort during his last hours. While they watched, Takahama
fell asleep; but he had no sooner done so than a large white butterfl y
fl ew into the room and rested on the old man's pillow. The young man
tried to drive it away with a fan; but it came back three times, as if
loath to leave the sufferer.
At last Takahama's nephew chased it out into the garden, through
the gate, and into the cemetery beyond, where it lingered over a
woman's tomb, and then mysteriously disappeared. On examining the
tomb the young man found the name "Akiko" written upon it,
together with a description narrating how Akiko died when she was
eighteen. Though the tomb was covered with moss and must have
been erected fi fty years previously, the boy saw that it was
surrounded with fl owers, and that the little water tank had been
recently fi lled.
When the young man returned to the house he found that
Takahama had passed away, and he returned to his mother and told
her what he had seen in the cemetery. "Akiko?" murmured his
mother. "When your uncle was young he was betrothed to Akiko.
When Akiko left this world, your uncle resolved never to marry, and to
live ever near her grave. For all these years he has remained faithful
to his vow, and kept in his heart all the sweet memories of his one and
only love. Every day he went to her grave and prayed for her
happiness, swept the tomb and set fl owers there. When Takahama was
dying, and he could no longer perform his loving task, Akiko came for
him. That white butterfl y was her sweet and loving soul."
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D.Akiko promised to accompany him as near as possible
E. Takahama’s love was end with Akiko because of their parents
34.What moral lesson can you get from the text?
A. One should respect the dead.
B. One’s good deed will result in good thing
C. One should be faithful to one’s spouse indeed.
D. Never underestimate a vow which one has made
E. We shouldn’t chase away a butterfly which visits your house.
The following Text is for questions no. 35 – 37
Everybody likes home sweet home however making office at home is possible
and recommended. Of course home office will have both advantage and
disadvantage. Therefore it is wise to consider the strengths and weaknesses to
have a home office.
Some people will agree that having an office at home will make benefit. It saves
time. We need no commuting which occasionally takes a long time. Besides we
are free to set the work schedule. Having home office will save money as we
need not to purchase or lease of office space from rent companies. What make it
more flexible is that we can set part or all parts of our home just as a real office. What we need is only
a wireless router to cover all parts of our house with
Internet. We can run our business wherever part of house we want, from living
room, bed room, veranda, etc even we can make sales or purchases by online
shopping for things we need. Furthermore working at home might reduce stress,
effort and time and divert it to other more productive things because while
working, we are close to our families.
However making home as office also has some disadvantages. For some people,
keeping the schedule is hard in flexible time. Such people type wills harder if they
are working just from home. There will no clear border between working and
breaking. Working just from home also reduces the possibility to meet new
people. It is true that computer and Internet connection possibly relate people
every time and everywhere but we will interact with them in a dimension which
is not real face.
So considering carefully what we actually need in running our business is much
recommended before choosing to have office at home or not.
35. What is the communicative purpose of the text?
A. To tell about advantages of a home office
B. To persuade readers to have a home office
C. To explain how to do a home office
D. To discuss about having a home office
E. To critics a home office
36. The followings are people‟s opinion about home office, EXCEPT:
A.We do not need to set the work schedul
B. Home office means we work at our home
C.We will have no border between working and breaking
D.We will get closer to our families
E.Keeping the schedule is hard in flexible time.
37.We need no commuting which occasionally takes a long time.
The underlined word has the closest meaning with
A. Travelling
B.Changing
C. Transferring
D. riding
E. driving
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The following text is for questions 38 and 39.
38. he letter shows Ms. Gonzalez’s strong disagreement with the newspaper’s
claim that ....
A. Children from low-income families do not perform well in the
official assessment
B. The poor students in her school fail in the national examination
C. Her school only admit students from economically advantaged families
D. Many of her students fail because of their parents’low income
E. Low-income children are not as good as high-income children
39.What is expected by Joan Gonzalez from Monday’s newspaper?
A. To present information based on facts.
B. To conduct more research.
C. To fix information given.
D. To explain more about that school.
E. To be responsible for the report .
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The following text is for questions 40 to 42.
Promoting Tourism: Good or Bad?
Lots of tourists visit our town, but many people argue whether this is good or
bad for the community. Each side has their own viewpoints.
Those in favor of the tourist industry argue that tourism brings money to the
town and creates employment. Business owners also supports this saying that
tourism promotes development in town. Moreover, everyone benefits from
having better facilities and more shops. Others also argue that tourism develops
a better understanding of other cultures so people become more tolerant.
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People against tourism, however, say that most of tourist’s dollars are spent in
international hotels owned by foreign interest groups. Consequently, the town
receives little financial benefit. In addition, they point out that the new
developments have caused traffic and water supply problems. They argue that
several unpleasant incidents in the community indicate that the local community
resentment towards tourists.
Undoubtedly, the local council should please both sides. Not only should it
promote tourism, but also restrict new development that would cause traffic and
water supply problems.
40. From the viewpoint of those who disagree with tourist industry, who will
likely receive the most financial benefit?
A. Business owners
B. The local people
C. The local community
D. The local government
E. International hotel owners
41.What are the factors that make the people agree to the tourist industry?
A. Business, finance, culture, and infrastructure
B. Investment, community building, cultural understanding.
C. Business, development, investment, and social.
D. Public facilities, development, finance, social.
E. Finance, infrastructure, culture understanding, community developmen.
42. “Not only should it promote tourism, but also restrict new development ....”
(Paragraph 4) The underlined word is closest in meaning to...
A. Ban
B. Open
C.Curb
D. Limit
E. Prohibit
Thistext isfor questions 43-45
The traditional way to save money for families and individuals was to put your
money into savings account, and then allow it to grow interest from there. Times
have changed, and now some people think that the savings accounts that we
once used and loved aren't as valuable to us anymore.
Savings accounts are fundamental money management tools that can help
you meet your long- and short-term financial needs. Knowing the pros and cons
of savings accounts can help you figure out how to use them effectively.
The most obvious advantage of a saving account is that deposited funds
accrue interest over time. Money under your mattress or in a home safe misses
out on valuable earning potential. The rate you earn depends on where you
deposit your money. Online banks tend to offer more competitive interest rates
because their overhead expenses are lower than those of brick-and-mortar
banks. Another important advantage is security. When you place your money in
a bank, the government insures it up to the maximum amount allowed by law. So,
compared to a number of other options, your money is safe in a savings account.
Compared with certificates of deposit (CDs) and other higher-interest bank
products, savings accounts generally pay a lower rate of interest. In other words,
the interest that you get on your money saved is very low. If you're willing to
keep your money deposited for a specific time period—anywhere from a few
Pros and Cons of Savings Account
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months to a few years, depending on what you choose—you generally can earn
more interest with a CD than with a savings account. Some banks charge fees on
their savings accounts. Be sure to compare the terms of different banks and look
for those that offer savings accounts with no monthly maintenance fees.
Saving money for the future is an essential part of making responsible
financial decisions. It’s worth your time to weigh the pros and cons before
deciding on a savings account that works for you.
43. What is the greatest benefit of saving money in a bank according to the
passage?
A. Saving money in a bank is more secure.
B.Customer’s deposit will rise periodically.
C. There are some competitive interest rates.
D. Government guarantees customer’s deposit.
E. Customers are able to manage their own money.
44. How many kinds of way to save money according to the passage?
A. 5
B. 4
C. 3
D. 2
E. 1
45.What is the main idea of paragraph 3?
A. The periodic rise of customer’s deposit.
B. The secure way to save money in a bank.
C. The beneficial arguments of saving money in a bank.
D. The drawbacks of saving account in state or private bank.
E. The government’s official guarantee on customer’s deposit.
46. Rearrange the sentences below to make a coherent paragraph.
1. He lives in a small town and knows every family on his route.
2. Neil Moore has been a postman for 20 years.
3. At Christmas many families give him presents.
4. They appreciate his dedication and good service.
5. He has carried mail in heat and in cold, in rain and in snow.
6. He has delivered thousands of letters to homes on his mail route.
A. 1-2-3-4-5-6
B. 6-1-3-5-2-4
C. 2-5-6-1-3-4
D. 4-5-6-3-2-1
E. 2-6-5-1-4-3
47. 1. I answered reluctantly,"Because he is not Phil Collins!".
2. Willy is very inquisitive. He likes asking me everything he wants to know.
3. Willy asked me at once, "Dad, why is the policeman using a whistle, not a
drum?"
4. Last week I took my five-year old son, Willy, to a musical instrument store.
5. On the way, he saw a policeman blowing his whistle to regulate the
passing cars and other vehicles.
6. I wanted to buy him a set of junior drum because his drum teacher
advised me to buy him one.
A good order of the sentences above is:
A. 4 – 6 – 2 – 5 – 3 – 1
B. 4 – 6 – 2 – 3 – 5 - 1
C. 6 – 4 – 2 – 5 – 3 – 1
D. 6 – 4 – 2 – 1 – 3 – 5
E. 5 – 3 – 1 – 4 – 6 – 2
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The textis for questions 48 to 50
Complete the following text with the correct words!
I am used to travelling by air but only on one occasion, I felt frightened.
After taking off, we flew low over the city. It slowly went high to the sky.
It was on December, exactly 11, 2006, my wife and I were in a plane
heading to Polonia airport from Jakarta. We sorrowfully had to go to my
hometown, Hutabayu Raja, Siantar because my father had died a day before.
Suddenly, a crew … (48) the passengers that we were going to land in
the Polonia airport in a few minutes. While listening to the announcement, I was
looking outside through the window and saw how … (49) the sky was. It was
raining heavily and lightning sparked here and there.
Unpredictable, I felt the plane went bumpy and trembled. The impact was
low at the beginning, however it gradually became terrible. Everything shook
terribly. People started to scream in fear. I hold my wife’s hands. I heard man
behind me was praying while my wife tried to soothe me.
… (50), our plane landed safely at the airport under that extreme weather. I
thanked God for saving my wife and me. Since then, I got a phobia on travelling
by air.
48.
A.took
B. brough
C. checked
D. introduced
E. announced
49.
A. soft
B. clear
C. dark
D.bright
E. smooth
50.
A. Briskly
B. Broadly
C. Largely
D. Fortunately
E. Approximately