Một người gửi ngân hàng 100 triệu đồng với kì hạn 3 tháng, lãi suất 5% một quý theo hình thức lãi kép ( sau 3 tháng sẽ tính lãi và cộng vào gốc). Sau đúng 6 tháng, người đó gửi thêm 50 triệu đồng với kì hạn và lãi suất như trước đó. Tính tổng số tiền người đó nhận được sau 1 năm ( Tính từ lần gửi đầu tiên)?

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 32 to 36:

School exams are, generally speaking, the first kind of tests we take. They find out (32) _____ much knowledge we have gained. But do they really show how intelligent we are? After all, isn’t it a fact that some people who are very successful academically don’t have any common sense? Intelligence is the speed at which we can understand and react to new situations and it is usually tested by logic puzzles. (33) _____ scientists are now preparing advanced computer technology that will be able to “read” our brains, for the present, tests are still the most popular ways of measuring intelligence. A person’s IQ is their intelligence (34) _____is measured by a special test. The most common IQ tests are run by Mensa, an organization that was founded in England in 1946. By 1976 it had 1,300 members in Britain. Today there are 44,000 Britain and 100,000 worldwide, (35) _____ in the US. People talking the tests are judged in relation to an average score of 100, and those (36) _____ score over 148 are entitled to join Mensa. This works out at 2% of the population. Anyone from the age of six can take the tests. All the questions are straightforward and most people can answer them if allowed enough time. But that’s the problem – the whole point of the tests is that they’re against the clock.

Question 32: 

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 31 to 35:

Education is more important today than ever before. It gives them the specialized training they may need to (31)_______ for a job or career. For example, a person must meet certain educational requirements and obtain a license or certificate before he can practice law or medicine. Many fields, like computer operation or police work, (32)_______ satisfactory completion of special training courses. Education is also important (33)_______ it helps people get more out of life. It increases their knowledge and understanding of the world. It helps them acquire the skills that make life more interesting and enjoyable, such as the skills needed to participate in a sport, paint a picture, or play a musical instrument. Such education becomes (34)_______ important as people gain more and more leisure time. Education also helps people adjust to change. This habit has become necessary because social changes today take place with increasing speed and affect the lives of more and more people. Education can help a person understand these changes and provide him (35)____the skills for adjusting to them.

Question 35: 

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 31 to 35:

Education is more important today than ever before. It gives them the specialized training they may need to (31)_______ for a job or career. For example, a person must meet certain educational requirements and obtain a license or certificate before he can practice law or medicine. Many fields, like computer operation or police work, (32)_______ satisfactory completion of special training courses. Education is also important (33)_______ it helps people get more out of life. It increases their knowledge and understanding of the world. It helps them acquire the skills that make life more interesting and enjoyable, such as the skills needed to participate in a sport, paint a picture, or play a musical instrument. Such education becomes (34)_______ important as people gain more and more leisure time. Education also helps people adjust to change. This habit has become necessary because social changes today take place with increasing speed and affect the lives of more and more people. Education can help a person understand these changes and provide him (35)____the skills for adjusting to them.

Question 32:

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 32 to 36:

School exams are, generally speaking, the first kind of tests we take. They find out (32) _____ much knowledge we have gained. But do they really show how intelligent we are? After all, isn’t it a fact that some people who are very successful academically don’t have any common sense? Intelligence is the speed at which we can understand and react to new situations and it is usually tested by logic puzzles. (33) _____ scientists are now preparing advanced computer technology that will be able to “read” our brains, for the present, tests are still the most popular ways of measuring intelligence. A person’s IQ is their intelligence (34) _____is measured by a special test. The most common IQ tests are run by Mensa, an organization that was founded in England in 1946. By 1976 it had 1,300 members in Britain. Today there are 44,000 Britain and 100,000 worldwide, (35) _____ in the US. People talking the tests are judged in relation to an average score of 100, and those (36) _____ score over 148 are entitled to join Mensa. This works out at 2% of the population. Anyone from the age of six can take the tests. All the questions are straightforward and most people can answer them if allowed enough time. But that’s the problem – the whole point of the tests is that they’re against the clock.

Question 35:

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 31 to 35:

Education is more important today than ever before. It gives them the specialized training they may need to (31)_______ for a job or career. For example, a person must meet certain educational requirements and obtain a license or certificate before he can practice law or medicine. Many fields, like computer operation or police work, (32)_______ satisfactory completion of special training courses. Education is also important (33)_______ it helps people get more out of life. It increases their knowledge and understanding of the world. It helps them acquire the skills that make life more interesting and enjoyable, such as the skills needed to participate in a sport, paint a picture, or play a musical instrument. Such education becomes (34)_______ important as people gain more and more leisure time. Education also helps people adjust to change. This habit has become necessary because social changes today take place with increasing speed and affect the lives of more and more people. Education can help a person understand these changes and provide him (35)____the skills for adjusting to them.

Question 31: 

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 32 to 36:

School exams are, generally speaking, the first kind of tests we take. They find out (32) _____ much knowledge we have gained. But do they really show how intelligent we are? After all, isn’t it a fact that some people who are very successful academically don’t have any common sense? Intelligence is the speed at which we can understand and react to new situations and it is usually tested by logic puzzles. (33) _____ scientists are now preparing advanced computer technology that will be able to “read” our brains, for the present, tests are still the most popular ways of measuring intelligence. A person’s IQ is their intelligence (34) _____is measured by a special test. The most common IQ tests are run by Mensa, an organization that was founded in England in 1946. By 1976 it had 1,300 members in Britain. Today there are 44,000 Britain and 100,000 worldwide, (35) _____ in the US. People talking the tests are judged in relation to an average score of 100, and those (36) _____ score over 148 are entitled to join Mensa. This works out at 2% of the population. Anyone from the age of six can take the tests. All the questions are straightforward and most people can answer them if allowed enough time. But that’s the problem – the whole point of the tests is that they’re against the clock.

Question 34:

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 31 to 35:

Education is more important today than ever before. It gives them the specialized training they may need to (31)_______ for a job or career. For example, a person must meet certain educational requirements and obtain a license or certificate before he can practice law or medicine. Many fields, like computer operation or police work, (32)_______ satisfactory completion of special training courses. Education is also important (33)_______ it helps people get more out of life. It increases their knowledge and understanding of the world. It helps them acquire the skills that make life more interesting and enjoyable, such as the skills needed to participate in a sport, paint a picture, or play a musical instrument. Such education becomes (34)_______ important as people gain more and more leisure time. Education also helps people adjust to change. This habit has become necessary because social changes today take place with increasing speed and affect the lives of more and more people. Education can help a person understand these changes and provide him (35)____the skills for adjusting to them.

Question 34:  

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 31 to 35:

Education is more important today than ever before. It gives them the specialized training they may need to (31)_______ for a job or career. For example, a person must meet certain educational requirements and obtain a license or certificate before he can practice law or medicine. Many fields, like computer operation or police work, (32)_______ satisfactory completion of special training courses. Education is also important (33)_______ it helps people get more out of life. It increases their knowledge and understanding of the world. It helps them acquire the skills that make life more interesting and enjoyable, such as the skills needed to participate in a sport, paint a picture, or play a musical instrument. Such education becomes (34)_______ important as people gain more and more leisure time. Education also helps people adjust to change. This habit has become necessary because social changes today take place with increasing speed and affect the lives of more and more people. Education can help a person understand these changes and provide him (35)____the skills for adjusting to them.

 Question 33: 

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 24 to 28:

Few people now realize the reality of global warming and its effects on the world’s climate. Many scientists (24) _______ the blame for recent natural disasters on the increase in the world’s temperatures and are convinced that, more than ever before, the Earth is at (25) _______ from the forces of the wind, rain and sun. According to them, global warming is making extreme weather events, such as hurricanes and droughts, even more severe and causing sea levels all around the world to rise. Environmental groups are putting pressure on governments to take action to reduce the amount of carbon dioxide which is given (26) _______ by factories and power plants, thus attacking the problem at its source. They are in (27) _______ of more money being spent on research into solar, wind, and wave energy devices, which could then replace existing power (28) _______. Some scientists, however, believe that even if we stopped releasing carbon dioxide and other gases into the atmosphere tomorrow, we would have to wait several hundred years to notice the results. Global warming, it seems, is to stay.

Question 25:        

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 24 to 28:

Few people now realize the reality of global warming and its effects on the world’s climate. Many scientists (24) _______ the blame for recent natural disasters on the increase in the world’s temperatures and are convinced that, more than ever before, the Earth is at (25) _______ from the forces of the wind, rain and sun. According to them, global warming is making extreme weather events, such as hurricanes and droughts, even more severe and causing sea levels all around the world to rise. Environmental groups are putting pressure on governments to take action to reduce the amount of carbon dioxide which is given (26) _______ by factories and power plants, thus attacking the problem at its source. They are in (27) _______ of more money being spent on research into solar, wind, and wave energy devices, which could then replace existing power (28) _______. Some scientists, however, believe that even if we stopped releasing carbon dioxide and other gases into the atmosphere tomorrow, we would have to wait several hundred years to notice the results. Global warming, it seems, is to stay.

Question 24: