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Questions 150-152 refer to the following memo.

TO: John Fromgang

FROM: Malgor Stone

DATE: 18 June 2009

SUBJECT: Employment opportunity

Dear Mr Fromgang,

I run and co-own a language school in Nowy Sacz, Poland and have been given your CV by Matthew Howard, who is working as an instructor at our school. Mr. Howard has _______ that you may be looking for employment while studying about the Holocaust in Poland.

CV (Curriculum Vitae/ vita)

resume, chronological description of one's employment and educational history

(     ) 150. (A) mentions

(B) mentioning

(C) mentioned

(D) mention

We are currently looking for new teachers, as some of our teachers are coming to the end of their contracts. Western Alliance is a large private school currently teaching over 1000 students in open courses and in-house courses for corporate clients. We teach both General Studies and Advanced Academic Studies preparatory / prerequisite courses. Nowy Sacz is a quiet town of 100,000 ________ located approximately 100 km south of Cracow.

(     ) 151. (A) dwellers

(B) inhabitants

(C) occupants

(D) residents

dweller

n [C] city/town/cave etc dweller
a person or animal that lives in a particular place
▬ City dwellers suffer higher pollution levels.

inhabitant

n [C] one of the people who live in a particular place
▬ a city of six million inhabitants

occupant

n [C]
1. someone who lives in a house, room etc:
▬ > resident
▬ The furniture had been left by the previous occupants.
occupant of
▬ Police are still trying to trace the occupants of the house which was destroyed by fire.
2. someone who is in a room, vehicle etc at a particular time:
▬ Neither of the car's two occupants was injured.

resident

W3S2 n [C]
1. someone who lives or stays in a particular place:
▬ the residents of Westville
2. AmE a doctor working at a hospital where he or she is being trained: British Equivalent: registrar
resident 2 adj
1. formal living in a place: resident in
▬ Many retired British people are now resident in Spain.
2. [only before noun] living or working in a particular place or institution:
▬ a resident tutor
▬ The resident population of mental hospitals has fallen by 20%.
3. [only before noun] belonging to a particular group of people - used humorously:
▬ He's our resident expert on computer games.

Habitant :

Habitant   單指居民

n. one who inhabits, one who lives in a certain place

Habitat

habitat

n. habitation, dwelling-place; environment, surroundings, place in which an animal or plant naturally grows or lives

Habitation

habitation

n. act of occupying a place of residence; residence, place where one lives

Inhabit

inhabit

v. occupy, live in, dwell in, reside in; populate

Inhabitant

Inhabitant  特定區域的居住者

n. resident, tenant, occupant, one who lives in a particular place

Because of the cost and paperwork involved, when employing non-EU citizens we would prefer to offer them 2 -year contracts, though that may be open to discussion. The academic year starts in mid-September and finishes in mid-June. We also run 1-month _______ summer courses in July and August.

(     ) 152.  (A) intensive

(B) intensity

(C) intense

(D) intentions

Should / had / if you had /  you be interested in discussing the details and terms of contract at our school, please contact me as soon as possible.

Are You Over 3 Months Behind on Your Mortgage?

When you don't pay your mortgage your lender can evict you, take the title to your home and sell it in order to recover the amount you owe them/ foreclosure . Very few/ a few / little / a little /  services exist that help consumers keep their homes when they are unable to make their monthly payments.

Foreclosure becomes part of your credit record, which influences your ability to obtain credit in the future. Even worse, you lose all of the home equity you built up including the down payment. Services like BehindOnMortage.com give homeowners in trouble a chance to save their properties and their credit.

Sometimes, if the lender sells your home for less than the balance you owe them, you are obligated to pay the difference even though you are no longer the homeowner. If you are three months behind on your mortgage or more, prevent foreclosure and get a quote for free, in order to catch up on your payments.

equity

n [Date: 1300-1400; Language: French; Origin: equite, from Latin aequitas, from aequus; EQUAL1]
1. [U] formal a situation in which all people are treated equally and no one has an unfair advantage: ≠ inequity
▬ a society run on the principles of equity and justice
2. [U] technical the amount of money that you would have left if you sold your house and paid off the money you borrowed to buy the house:
3. equities [plural] technical shares in a company from which the owner of the shares receives some of the company's profits rather than a fixed regular payment:
4. [U] law the principle that a fair judgment must be made in a situation where the existing laws do not provide an answer:

(      ) 153. Which of the following cannot happen if you do not pay your mortgage

(A) The bank can sell your home

(B) You can be placed in prison until the debt is paid off

(C) You can be forced to move out of your home

(D) Your credit is damaged

(     ) 154. Who is this advertisement directed at?

(A) Potential homebuyers

(B) Lending institutions

(C) People having financial difficulties

(D) People that have been evicted

(      ) 155. Why would a person who has lost their home still have to pay the bank money after their home was resold?

(A) Because it is the law and they' signed a contract

(B) As part of a court settlement to keep you out of jail

(C) As a penalty for not paying off your home

(D) Because the bank is still out of some of the money they lent you

Dear Friend,

I am Mr. Alexander A. Flockhart, Executive Director and Chief Financial Officer of the Hang Seng Bank, Ltd. 1 have a business proposal for you. Before the U.S.-Iraq War, our client, Colonel Hosam Hassan of the Iraqi forces, was also a businessman who made a number of fixed deposits with a total value of thirty million U.S. dollars in our bank. Upon maturity, several notices were sent to him, even during the war early this year.

Again after the war another notification was sent and still no response came from him. We later found out that Col. Hosam Hassan, along with his wife and only daughter, had been killed during the war in a bomb blast that hit their home. What bothers me most is that according to the laws of my country at the expiration date of 4 years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim it.

Against this backdrop, my suggestion to you is to stand as the next of kin to Col. Hosam Hassan so that you will be able to receive his funds. I have contacted an attorney that will prepare the necessary documents that will back you up as the next of kin to Col. Hosam Hassan. There is no risk involved at all in the matter as we are going to adopt a legalized method and the attorney will prepare all the necessary documents.

Please endeavor to observe utmost discretion in all matters concerning this issue. Once the funds have been transferred to your bank account we will share split 60% for me and 40% for you. Please provide:

1. Full name and age

2. Private phone number

3. Current residential address.

Finally, I shall provide you with more details on this transaction. Your earliest response to this letter will be highly appreciated.

Kind Regards, Mr. Alexander A. Flockhart

) 156. According to Flockhart, he wishes for you to _

(A) pose as a family member of the deceased so that you can receive the money

(B) let him use your bank account to transfer the money

(C) go to Hong Kong and claim the money '•(D) go and search for surviving family members

(     ) 157. How did Colonel Hassan die?

(A) Of natural causes

(B) In a suicide bomb blast

(C) By having his home blown up

(D) By military execution

(     ) 158. What will happen to the funds if you do not claim them?

(A) They will be returned to the Iraqi government

(B) The Hong Kong Government will claim them

(C) The lawyers preparing this case will receive them

(D) They will be donated to charitable causes

(     ) 159. According to Flockhart, how is this transaction legal?

(A) A lawyer will prepare all of the documents

(B) You are a foreigner and the government can't punish you

(C) There is no one to tell your secret

(D) You are the next of kin to Colonel Hassan