Short of money Need an instant loan Since the early 1990s your best bet has been to go to the low-rent end of town and find an appointed loan-shop. There you can borrow money in small amounts, generally not much more than $500, against your post-dated pay-cheque. You will be charged around $15 interest for every $100 you borrow--and that is per month.
For many people, there is no alternative. Banks refuse to make small loans because there is no money in it, and completely unregulated lending, via the internet or loan sharks, is too alarming. According to the Community Financial Services Association, an advocacy group for the industry, most borrowers are responsible and pay off their loans in a timely manner. But some don’t.
The Centre for Responsible Lending, a consumer group, says that many borrowers routinely roll over their loans. This quickly brings them into debt traps. A typical borrower may end up paying $793 for a $325 loan. The centre estimates that
A. The excessive interest is made by the roll-over of borrowers
B. Lenders vow that small loans can only survive without interest limitations
C. It may provide help to military officials and their family
D. Most borrowers can pay back their money timely
Accreditation is a system for setting national standards of quality in education. The United States is unique in the world because its accreditation system is not administered by the government, but rather by committees of educators and private agencies like the Middle States Association of Colleges and Secondary Schools and the Society of Engineers. Before registering to study in any educational institution in the United States a student should make certain that the institution is accredited in order to assure that the school has a recognized standard of organization, instruction, and financial support. Foreign students should be particularly careful to check an institution’s accreditation because other governments or future employers may not recognize a degree earned from a school that has not received accreditation. If a college is accredited, catalogues and brochures will usually indicate the accreditation status. If you are not sure about a certain school, don&
Humans have altered the world’s climate by (1) heat-trapping gases since almost the beginning of civilization and even prevented the start of an ice age several thousand years ago, a scientist said.
Most scientists (2) a rise (3) global temperatures over the past century (4) to emissions of carbon dioxide (5) human activities like driving cars and operating factories.
Dr. William Ruddiman, a professor at the University of Virginia, said at a meeting of the American Geophysical Union (6) humans’ effect (7) climate went back nearly 10, 000 years (8) people gave up hunting and gathering and began farming.
In a commentary accompanying the article, Dr. Thomas J. Crowley of Duke University, said he (9) Dr. Ruddiman’s premise at first. "But when I started reading, Dr. Crowley wrote, "I could not help but (10) whether he just might be (11) something."
A. to wondering
B. to be wondering
C. wonder
D. wondering
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