Minggu, 15 April 2018

Toefl & Structure Strategy Tips 

1. Find out which version of the TOEFL you will take Depending on where and when you take the TOEFL test, you will encounter either the Internet-based Test (TOEFL iBT) or the TOEFL Paper-based Test (TOEFL PBT). Be sure of which format you will use. Your TOEFL score from either test will be accepted by the colleges you choose, but the differences in the test formats will influence some of your TOEFL preparation.

2. Approach the TOEFL test with a plan Spend enough time in TOEFL preparation so that you know where your strengths and weaknesses lie. Having this kind of understanding can help you decide where to focus your energies as you prepare for the test. If you will be taking the Paper-based Test (PBT), work through some practice tests and then concentrate your TOEFL preparation on any weak areas. Take time to review your strong areas, but invest your time to build up your weaknesses. If your exam will be the Internet-based test (iBT), be sure to visit the TOEFL iBT Web site (www.ets.org/toefl) and examine the information presented there. In addition, get your teacher’s opinion on where you can best spend your preparation time. ETS provides sample questions for both the PBT and iBT on its Web site.

3. To maximize your TOEFL score, be ready for test conditions and be well-rehearsed Practice makes permanence! If you set aside time in a quiet place to take some practice exams, you’ll be ready for the rigors of sitting in a chair and focusing on the TOEFL test material. The PBT is a 3-and-a-half hour test, and the iBT takes about 4-and-a-half hours. It’s a good idea to dress in layers and bring a sweater or sweatshirt because the temperature in the testing room may be warmer or colder than you anticipated. You want to be able to show everything you know on the test.

4. Become familiar with the directions and questions before the TOEFL test Each of the test sections has a time limit, and you want to make the most of the time you are given. Use a portion of your preparation to become familiar with the directions for each section and how the questions are set up. Then you can use all you time in answering the questions instead of reviewing the directions. 

5. Reading Comprehension Skim the passage first to get a sense of the main idea. You can always go back and look up specifics. Answer the questions that ask about vocabulary words and details first. Then work on questions that ask you about the main idea or require you to make inferences. You will answer 50 questions in 55 minutes.

6. Structure and Written Expression Think about the simplest, clearest way to express an idea. If an answer choice sounds awkward or overly complicated, chances are good that it’s wrong. Brush up on your English grammar for this part of the test. You will have 25 minutes to complete 40 questions.

7. Listening Comprehension Become as familiar with the English language as you can, including learning vocabulary words and idioms. Practice working with the language in everyday life; this will help you become more comfortable with it and understand it better. These 50 questions will take 30 to 40 minutes to complete.

8. Writing Planning for a few minutes before writing will help you to write a more focused and organized essay. It is important to develop your ideas and express them clearly, using examples to back them up. Although the essay doesn’t need to be grammatically perfect, try to make as few errors as possible. Always save a few minutes at the end to proofread. You will have 30 minutes to organize and write on your topic.


Questions
A. Structure
  
1. During the Daytona 500, the lead car ___________, leaving the others far behind.

A. forwarded rapidly
B. advanced rapidly
C. advanced forward rapidly
D. advanced in a rapidly manner

Answer : B


2. Geysers have often been compared to volcanoes _______ they both emit hot liquids from below the Earth's surface.


A. due to
B. because
C. in spite of
D. regardless of

Answer : B

3. During the early period of ocean navigation, ________ any need for sophisticated instruments and techniques.

A. so that hardly
B. where there hardly was
C. hardly was
D. there was hardly

Answer : D

4. The North Pole___________ a latitude of 90 degrees north.

A. it has
B. is having
C. which is having
D. has

Answer : D

5. The city of Beverly Hills is surrounded on ________ the city of Los Angeles.

A. its sides
B. the sides are
C. it is the side of
D. all sides by

Answer : D

6. ________ greyhound, can achieve speeds up to thirty-six miles per hour.


A. The
B. The fastest
C. The fastest dog
D. The fastest dog, the

Answer : B

7. Marmots spend their time foraging among meadow plants and flowers or ________ on rocky cliffs.


A. gets sun
B. sunning
C. the sun
D. sunny

Answer : C

8. The greenhouse effect occurs ________ heat radiated from the Sun.


A. when does the Earth’s atmosphere trap
B. does the Earth’s atmosphere trap
C. when the Earth’s atmosphere traps
D. the Earth’s atmosphere traps

Answer : C

9. The Rose Bowl, ________ place on New Year’s Day, is the oldest postseason collegiate football game in the United States.

A. takes
B. it takes
C. which takes
D. took

Answer : A

10. Experiments ________ represent a giant step into the medicine of the future.

A. using gene therapy
B. use gene therapy
C. they use
D. gene therapy uses

Answer : A

11. ________ off the Hawaiian coastline are living, others are dead.

A. While some types of coral reefs
B. Some types of coral reefs
C. There are many types of coral reefs
D. Coral reefs

Answer : B

12. Nimbostratus clouds are thick, dark gray clouds ________ forecast rain.

A. what
B. which
C. what they
D. which they

Answer : C

13. Some economists now suggest that home equity loans are merely a new trap to push consumers beyond ________.

A. they can afford
B. they can afford it
C. what is affordable
D. able to afford


Answer : A

14. People who reverse the letters of words ________ to read suffer from dyslexia.


A. when trying
B. if they tried
C. when tried
D. if he tries

Answer : A

15. Featured at the Henry Ford Museum ________ of antique cars dating from 1865.

A. is an exhibit
B. an exhibit
C. an exhibit is
D. which is an exhibit

Answer : D


B. Written Expression


1. In the united states, there are much holidays throughout the year.
        A                         B             C                                  D        

Answer : C


2. Tomatoes grows all year long in Florida
           A          B   C                D

Answer : B


3. Guppies are sometimes call rainbow fish because of the males' bright colors
                                        A                   B        C                            D  

Answer : A


4. On the floor of the Pacific Ocean is hundreds of flat-topped mountains more than a mile 
                  A                                        B                            C                                   D                                                           
beneath sea level.

Answer : B


5. Because of the flourish with which John Hancock signed the Declaration of Independence,
                                                     A                                                                                                           
 his name become synonymous with signature.
 B                  C                D                                                                                                                                 
Answer : C


6. Segregation in public schools was declare unconstitutional by the Supreme Court in 1954.
                                A                        B                   C                                                         D       
 Answer : B                              


7. Sirius, the Dog Star, is the most brightest star in the sky with an absolute magnitude about
                                                        A                                                     B                                                             
twenty-three times that of the Sun.
           B                  D                                                                                                                                       
Answer : A


8. Killer whales tend to wander in family clusters that hunt, play, and resting together.
                           A       B                                                                         C       D                                                     
Answer : C


9. Some of the most useful resistor material are carbon, metals, and metallic alloys.
           A                         B                    C                                                 D                                                           
Answer : C


10. The community of Bethesda, Maryland, was previous known as Darcy's Store.
               A                                                           B            C   D                                                                         
Answer : B


11. Alloys of gold and copper have been widely using in various types of coins.
                                              A               B       C                 D                                             
 Answer :  C                               


12. J. H. Pratt used group therapy early in this century when he brought tuberculosis patients
                                  A                     B                              C                                                                                   
together to discuss its disease.
                              D                                                                                                                                       
Answer : D


13. The United States has import all carpet wools in recent years because domestic wools are
                                         A        B                                                  C                                                                 
too fine and soft for carpets.
      D                                                                                                                                                               
Answer : A


14. Irving Berlin wrote "Oh How I Hate to Get Up in the Morning" while serving in a U.S. Army
                          A                                                                                 B              C                                           
during World War 1.
    D                                                                                                                                                                 
Answer : C


15. Banks are rushing to merge because consolidations enable them to slash theirs costs
                    A                                                                     B                        C                                                   
and expand.
            D                                                                                                                                                         

Answer : C


Source : Toefl Structure & Strategy Tips / Toefl Structure and Written Expression

Sabtu, 14 April 2018

Kredit adalah penyediaan uang atau tagihan yang dapat disamakan dengan itu, berdasarkan kesepakatan pinjam meminjam antara pihak bank dengan pihak lain yang mewajibkan pihak peminjam untuk melaksanakan dengan jumlah bunga sebagai imbalan.

Dewasa ini, kredit sudah banyak diterapkan dalam kehidupan perekonomian dan perdagangan serta memiliki beberapa fungsi umum, yaitu sebagai berikut:
  1. Meningkatkan daya guna uang,
  2. Meningkatkan gairah dalam usaha, 
  3. Meningkatkan peredaran dan lalu lintas uang,
  4. Menjadi salah satu alat stabilitas perekonomian,
  5. Meningkatkan hubungan internasional,
  6. Meningkatkan daya guna dan juga peredaran barang,
  7. Meningkatkan pemerataan pendapatan,
  8. Sebagai motivator dan dinamisator kegiatan perdagangan dan perekonomian,
  9. Memperbesar modal dari perusahaan,
  10. Meningkatkan IPC (Income Per Capita) masyarakat, dan
  11. Mengubah cara berpikir dan tindakan masyarakat agar bernilai ekonomis.
Bunga kredit atau bunga pinjaman adalah harga yang harus dibayar oleh nasabah kepada perusahaan pembiayaan / bank atas fasilitas yang diterima oleh nasabah dalam bentuk pinjaman atau kredit. Bunga dinyatakan dalam bentuk persentase.

Berikut ini merupakan metode perhitungan bunga kredit :
  • Sliding Rate : Pembebanan bunga setiap bulan akan disesuaikan dengan sisa pinjamannya.

Berikut merupakan rumus dalam perhitungan bunga kredit :


Berikut merupakan rumus dalam perhitungan cicilan pokok :


Contoh Kasus :
Pada tanggal 25 Maret 2006 PT. Andika Karya Tuan Andi mendapat persetujuan pinjaman investasi dari Bank ABC senilai Rp. 110.000.000,- untuk jangka waktu 1 tahun. Bunga yang dibebankan sebesar 24% pa. Hitunglah cicilan setiap bulannya jika di hitung dengan metode Sliding rate.

Tabel Perhitungan Sliding Rate
Sliding Rate

Sumber Referensi :
Definisi Kredit
Kredit adalah penyediaan uang atau tagihan yang dapat disamakan dengan itu, berdasarkan kesepakatan pinjam meminjam antara pihak bank dengan pihak lain yang mewajibkan pihak peminjam untuk melaksanakan dengan jumlah bunga sebagai imbalan.

Dewasa ini, kredit sudah banyak diterapkan dalam kehidupan perekonomian dan perdagangan serta memiliki beberapa fungsi umum, yaitu sebagai berikut:
  1. Meningkatkan daya guna uang,
  2. Meningkatkan gairah dalam usaha, 
  3. Meningkatkan peredaran dan lalu lintas uang,
  4. Menjadi salah satu alat stabilitas perekonomian,
  5. Meningkatkan hubungan internasional,
  6. Meningkatkan daya guna dan juga peredaran barang,
  7. Meningkatkan pemerataan pendapatan,
  8. Sebagai motivator dan dinamisator kegiatan perdagangan dan perekonomian,
  9. Memperbesar modal dari perusahaan,
  10. Meningkatkan IPC (Income Per Capita) masyarakat, dan
  11. Mengubah cara berpikir dan tindakan masyarakat agar bernilai ekonomis.
Bunga kredit atau bunga pinjaman adalah harga yang harus dibayar oleh nasabah kepada perusahaan pembiayaan / bank atas fasilitas yang diterima oleh nasabah dalam bentuk pinjaman atau kredit. Bunga dinyatakan dalam bentuk persentase.

Berikut ini merupakan metode perhitungan bunga kredit :
  • Flat Rate : Pembebanan bunga setiap bulan tetap dari jumlah pinjamannya.

Berikut merupakan rumus dalam perhitungan bunga kredit :


Berikut merupakan rumus dalam perhitungan cicilan pokok :


Contoh Kasus :
Pada tanggal 25 Maret 2006 PT. Andika Karya Tuan Andi mendapat persetujuan pinjaman investasi dari Bank ABC senilai Rp. 110.000.000,- untuk jangka waktu 1 tahun. Bunga yang dibebankan sebesar 24% pa. Hitunglah cicilan setiap bulannya jika di hitung dengan metode Flat dan Sliding rate.

Tabel Perhitungan Flat Rate
Flat Rate


Sumber Referensi :
Definisi Kredit

Selasa, 20 Maret 2018

TOEFL Listening Tips

TOEFL Listening Tips #1 Take notes

Okay. Obvious I know, but taking notes is an essential piece of this TOEFL listening tips article. Why?
Because few students actually think about how to take notes effectively. Taking notes is a crucial skill for you to develop, and something that will take practice just like any other skill! As you practice, you’ll develop patterns and codes which will really help you to keep track of those longer conversations and lectures!
Here are some pointers for taking notes … 
When in a conversation: 
Don’t try to copy the entire conversation! Develop a system of abbreviations, symbols and capital letters to symbolize frequent topics (for example, as the conversations are university related, I often write ‘P’ for ‘paper’, ‘C’ for class’ and ‘Pf’ for ‘professor’ ).
Try organizing your notes into a table. You could try drawing a line down the middle and when the narrator says ‘listen to a conversation between X and Y’ , you can write ‘X’ and ‘Y’ at the top of each side of the table. Then, as the audio progresses, you can keep each speaker’s main points organized.
Note-taking example:
SPf
Fin P: doubts..
Q: where Ý res?Check lib sec. 220
😊! More time?Ok…by Fri
Sub. Class/office?Office b/f 5pm
(TOEFL listening tips: You might do something similar as long as it works for you!)
Can you understand my notes? Here I have written some full words, the first syllable of longer words (fin= final res= resources, lib=library, sec=section, b/f=before), used singular letters for common words (P=paper, Q=question) and some symbols (happy face= great! , upward arrow= more).
These are just some examples, and to be honest, it doesn’t really matter what abbreviations, symbols, or characters you use as long as you understand!
When listening to lectures: 
Try making a flow chart. You can start with a column for the main ideas, and draw arrows to supporting examples, key facts, or contrasting ideas.
Listen for connecting words, so you can follow the organization of the lecture! You don’t have to write down these words, but when you hear them, you know that important information will follow. These words will act as an auditory clue, so pay attention to what comes next.
Examples of what to listen for:
  • Adding information: In addition, for example, furthermore
  • Explaining a result: Therefore, as a result, consequently
  • Comparing & Contrasting: However, in contrast, on the other hand
  • Giving reasons: Because (of), due to, for this reason, since, thanks to
 TOEFL Listening Tips: Listen for auditory clues to gauge the speakers statement.

TOEFL Listening Tips #2 Pay attention to Tone and Stress

As you’ve probably noticed from TOEFL Listening files, there are lots of intonation changes in English. Rarely will a speaker have a flat tone throughout an entire sentence, unless they’re bored that is!
Although the test may be a slightly dramatic at times with all the ups and downs, you’ll notice that native speakers actually do this, and it’s an important part of conveying meaning and attitude.
On the TOEFL Listening section, you’ll hear informal conversations between two people, and you’ll often be asked about the speaker’s attitude. To help you answer the question, pay close attention to the speaker’s tone of voice, and which words he/she chooses to emphasize.
Let’s consider an example:
Boy: “How do you like your new social sciences class?”
Girl: “ It’s really great. The teacher is always absent.”
Question: What is the girl’s attitude towards the class?
There are two possibilities here, depending on how the girl says the sentence. If she lengthens the word ‘really’ and has a flat tone throughout the second phrase, she is probably showing sarcasm, and therefore doesn’t like the class.
On the other hand, if she pronounces ‘really great’ and ‘always’ with a high tone, she is showing excitement and she must like the class as the teacher is never there (less work for her!).
Common intonation patterns to listen for:
–Confusion/Uncertainty: multiple pauses/slow speech/fillers ‘Um..well..I guess I could”
–Excitement: high tone ‘That’s great!
–Surprise: rising tone ‘Are you serious?
–Consistent flat tone: boredom/indifference “That’s great

TOEFL Listening Tips #3: Expand your vocabulary

Because the listening involves “real-life” conversations, you can expect lots of phrasal verbs, idiomatic expressions, and university-related vocabulary. In order to understand the context of the conversations, you should know words like:
Dean= the head of a college or university faculty or department.
Registrar= an official in a college or university who is responsible for keeping student records.
Scholarships= a grant made to support a student’s education, usually given based on academic or other achievement.
Prerequisite= a course that is required to be completed before entering another course.
Student Loan= a sum of money borrowed from the bank to be used for university tuition and payed back once a student graduates.
Tuition= the amount of money paid for instruction at a college or university.
Transcript= an official record of a student’s grades and courses taken.
Deadline/Due Date=The day by which something should be completed or submitted.
In the conversations and lectures, you will often hear phrasal verbs and idiomatic expressions, so you should start learning and practicing them early on.
Some common ones just to get you started may be:
Hand in =submit (an assignment)
Check out =take a book out from the library
Take up (sthng) with (so)= discuss an important issue in detail
Look over= review in detail
Find out= discover


Source: TOEFL Listening Tips
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