PETS三级考试最新模拟测试题（一）d
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Text 3 Assertiveness is often wrongly confused with aggression (侵犯行为). An aggressive confrontation is when one or both parties attempt to put forward their feelings and beliefs at the expense of others. In an assertive confrontation, however, each party stands up for their personal rights, but each shows respect and understanding for the other’s viewpoint. The reason why assertiveness may not come 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 ________. 57. Which of the following is NOT the reason that many people prefer not to be assertive? 58. The last word of the passage "them" refers to _________. 59. According to the passage, one should not only express himself clearly and directly, but also 60. In this passage, the author intends to encourage people to _____. Part B Mark Lilla Young consumers often have not established their credit ratings. Many do not have steady in-comes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However,a parent 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 commercial 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 periods@30, 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 company will pay in case of death is reduced by the amount of the loan. For example, suppose that someone with $10,000 of insurance borrows $2,000 and dies leaving the loan unpaid. The insurance company 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. 61. Mark Lilla [A] A person can borrow as much as his life insurance’s cash value. Section IV Writing (40 minutes) You should write approximately 100 words. Do not sign your own name at the end of your letter. Use "Atlantic Trade Corporation" instead. You do not need to write the address. Part B |
