The Board of Directors of PT Asuransi Chubb Indonesia (the “Company”) hereby announces that the Company will transfer its long tail insurance policies to PT Asuransi QBE Pool Indonesia, a limited liability company existing under the laws of the Republic of Indonesia, having its location at MidPlaza 2, 23 Floor. Jl. Jend. Sudirman Kav 10-11, Jakarta.
Any enquires with regard to the transfer can be send to the following address:
PT ASURANSI CHUBB INDONESIA
Indonesia Stock Exchange Building, Tower 2, 17th Floor, l. Jend. Sudirman Kav 52-53.
This announcement is made in accordance to Articles 23 of Decrees of Minister of Finance No. 422/KMK/2003 on Business Operations of Indonesia Companies and Reinsurance Companies
Jakarta, July 27th, 2012
Board of Directors of PT Asuransi Chubb Indonesia
16. ………….. is located at MidPlaza 2, 23 Fl. Jl. Jend. Sudirman Kav 10-11, Jakarta
A. Indonesia Stock Exchange B. PT Asuransi Chubb Indonesia
C. PT Asuransi QBE Pool Indonesia
D. Ministry of Law of the Republic of Indonesia
E. Ministry of Finansce of the Republic of Indonesia
17. Questions about the transfer should be ….. PT. Asuransi Chubb Indonesia
A. announced at B. addressed to C. located at
D. made by E. operated by
One Month Training Course
Suitable young men and women are invited to apply for places on the one month training course on hotel work organized by Hong Kong Institute of Hotel Management. Tuition is free of charge and students who successfully complete the course will be offered employment in the Colony’s leading hotels.
The Training Course will take place from Monday 21st July to Friday 22nd August, from 9 a.m. to 4.30 p.m. daily, except Saturdays and Sundays.
Application for places on the course are welcome for students now in their third year at secondary school, who have good knowledge of English, have interest in hotel work.
Application forms may be obtained from:
The Hong Kong Institute of Management,
The South China Times
The closing date for applications is April 29th
18. Those who successfully complete the course will be given………
A. free tuition B. a further training course
C. job in the big hotels in the colony
D. a chance to stay in the colony’s leading hotels for one month
E. membership of the Hong Kong Institute of Management
19. What requirement is needed by an applicant to apply for the hotel work training?
A. able to speak Mandarin B. Secondary school graduate
C. Good knowledge of English D. Reputable University graduate
E. 2-year experience in hotel work
A credit card is an automatic money advance card. Nowadays, credit cards represent a major element of modern life. When you use them, you can get the goods you want to buy without paying for them yet. Credit cards are widely used as a source of convenient credits for restaurant, hotels, and on-line television advertised products. Using credit cards have both advantages and disadvantages , but the consequences of credit cards misuse can be drastic and painful.
Credit cards offer a lot of advantages if they are used properly. The major advantage is that the credit cards eliminate the need to carry large sums of cash. If you are away from home without cash, you can receive a cash advance or have the option to buying traveler’s checks with a credit card. Credit cards permit people to make a large purchase, such as buying expensive text books or getting your car repaired. Also, credit cards can help for emergencies like paying medical bills caused by accident. Moreover, you often get the best rates of exchange when traveling in foreign countries if you use your credit card for purchases. A responsible repayment of credit cards can permit card holders to fit into middle class life and at the same time develop the quality of spending habits.
The real problem with credit cards is that the owed amounts must be paid back on a regular basis. Commercial banks, indirectly, tend to induce their customers to make excessive purchase without paying attention whether they will be able or not to pay the debt accumulated when purchasing with credit cards. In turn, this makes the debt increase and finally, these card holders are unable to repay, causing problems with their personal credit.
In conclusion, credit cards could be considered best friends as long as they are used in a right manner and the payments are made without getting in debt.
20. According to the writer, credit cards ……..
A. should be used wisely B. are sign of to class culture
C. are a must for modern people D. offer more advantages than disadvantages
E. offer more disadvantages than advantages
21. Paragraph 2 tells about ……. of credit cards
A. the inconveniences B. the disadvantages C. the advantages
D. the application E. the functions
22. The writer claims that commercial banks are in a way ….
A. highly responsible B. too commercial C. rather careful
D. very helpful E. very caring
Starring : Leonardo Dicaprio, Kate Winslate, Billy Zane, Kathy bates, Frances Fisher, Bernard Hill, Jonathan Hyde, Danny Nucci, Gloria Stewart, David Warner, Victory Gaber, Bill Paxton
Director : James Camero
Running Time : 189 minutes
I absolutely love “Titanic" and love all the movies will always hold a special place in my heart. Brock Lovett (Bill Paxton) is a somewhat ruthless treasure hunter searching for profit under the sea in the debris of the wreck liner Titanic. He believes he is on the right track and find a sketch of a beautiful woman wearing the diamond. The drawing is shown on a TV news programmes and an old lady, Rose Dawson Calvert (Gloria Stewart) comes forward claiming that she is the woman in the drawing.
When she joined the titanic for maiden voyage Rose Dawson Calvert (Kate Winslate), as she was 17 years old. Her mother (Frances Fisher) had a good breeding but little money, so she was taking Rose to America to marry rich Cal Hockley (Bill Zane), a match that Rose would rather have avoided. Attempting to have a suicide, she was saved by Jack Dawson (Leonardo Dicaprio), a raffish and charming third class passenger. Jack and Rose then fell in love in spite of the disapproval of both her mother and Hockley.
Cameron’s Titanic is justly recognized as something of a masterpiece. The film cost a phenomenal amount to make, and most of that spending is visible on screen. Everything about it looks sumptuous, and realistic. The romantic thread is appealing enough, because, although the romanced is occasionally rather overdone, Dicaprio does struggle at times to give his character.
Although the film is a personal romance set amidst a greater disaster story, it is also the story of Rose’s life and the effect of her experiences.
23. In the film, Rose’s mother wanted Rose to marry Cal Hockley because ….
A. Rose has failed to commit a suicide B. Cal Hockley was a wealthy man
C. Jack Dawson fell in love with her
D. Rose’s mother disarmed of Hockley’s wealth
E. Rose’s mother and her voyage destructed to America
24. The Titanic film is supposed to be something of masterpiece because ….
A. the film is the best romance film B. the detail of the film seemed phenomenal
C. the film spent a large amount of money D. the film looks very appealing
E. the romance was in middle of a great disaster
25. Based on the text, seeing the film, people …..
A. will expect that love must triumph disaster
B. need to spare more than two and half hours
C. must spend much money to experience it
D. will conclude that it is a biography film E. need to know details of film
Teak is the common name for tropical for hardwood species Tectona grandis and its wood products. Tectona grandis is native to south and southeast Asia, mainly India, Indonesia, Malaysia and Burma, but it is naturalized and cultivated in many countries, including those in Africa and the Caribbean. Burma accounts for nearly one third of the world’s total teak production. It is also recognized as the national tree of Indonesia.
The word teak comes from the Tamil (in the Dravin region) word thekku. Tectona grandis is a large, deciduous tree that is dominant in mix hardwood forests. It has small, fragrance white flowers and papery leaves that are often hairy on the lower surface.
Teak is yellowish brown timber with good grains and texture. It is used in the manufacture of outdoor furniture, boat decks and other articles where weather resistance is desired. It is also used for cutting boards, indoor flooring, countertops and as a veneer for indoor furnishing.
Teak, though easily worked, can cause severe blunting on edge tools because of the presence of silica in the wood. Teak’s natural oils is make it useful in exposed locations, and make the timber cut from the old teak trees was once believed to be more durable and harder than plantation grown teak.
26. Which of the following words can describe the teak leave?
A. Fragrant. B. Small C. Resistance D. Hairy E. Yellowish
27. Teak is too hard to cut because …
A. its location is exposed B. it has natural oil in it
C. it mixes its contents D. it has silica in it E. it is very old
28. We know from the text that teak is …..
A. also found in Africa B. used for outdoor only
C. not native to Indonesia D. the hardest of all trees
E. also a natural tree of Burma
Maura who like to be thought of as the most beautiful and powerful queen of Arabia, had many suitor. One by one she discarded them, until her list was reduced to just three sheiks. The three Sheik were equally young and handsome. They were also rich and strong. It was very hard to decide who would be the best of them.
One evening, Maura (29) … herself and went to the camp of the three sheiks. As they were about to have dinner, Maura asked them for something to eat. The first gave her some left over food. The second Sheik gave her some unappetizing camel’s tail. The third Sheik who was called Hakim, offered her some of the most tender and tasty meat. After dinner, the disguised (30) … left the sheiks camp.
The following day, the queen invited the three sheiks to dinner at her palace. She ordered her servant to give each one exactly what they had given to her the evening before. Hakim, received a plate of delicious meat, refused to eat it if the other two sheiks could not share it with him.
This Sheik Hakim’s act finally convinced Queen Maura that he was the man for her. “Without question, Hakim is the most (31)… of you” she announce her choice to the sheiks. “So it is Hakim I will marry”.
29. A. disguised B. changed C. appeared
D. encouraged E. told
30. A. land lady B. queen C. princess
D. duchess E. waitress
31 A. stingy B. stubborn C. generous
D. powerful E. gentle
32. Arrange these sentences below into a good order
HOW TO RIDE A BICYCLE
1. Sitting on a bike, make sure you know where the bikes are and how to operate them
2. You have to learn to balance the bike. Find a person who can hold your bike behind you and try to go steady as you pedal it
3. Finally, you have to practice. Once you can balance, pedal, start, and stop, you are bicycle rider. Congratulation!
4. As you gain experience, raise the seat up so that only your toes can touch the ground while you are seated.
5. When you are ready, ride alone. But first, lower the seat until you can sit and put both feet flat on the ground
6. After practicing for a couple minutes, the person can release his or her hands while you try to keep your balance
A. 1 – 2 – 3 – 4 – 5 – 6 B. 1 – 2 – 4 – 5 – 6 – 3
C. 1 – 2 – 6 – 5 – 4 – 3 D. 1 – 2 – 5 – 3 – 6 – 4
E. 1 – 2 – 4 – 6 – 5 – 3
Faster planes and cheaper flight are making it easier than ever before for people to travel. In the most ‘developed’ societies, visiting exotic places is a sought-after status symbol. The tourism industries of both developing countries have recognized this fact and are learning to take advantage of it.
There are, however, some problems associated with this new industry. Firstly, there is the increasing crime rate. Some locals see tourists as an easy prey because, not only are they in unfamiliar territory and therefore less able to take care of themselves, but also they carry visible items of wealth, such as cameras and jewelery which can be disposed of quickly for profit.
Another major problem is health. With greater mobility comes greater danger of spreading contagious diseases around the world. One carrier returning home could easily start an epidemic before their illness was diagnosed. Moreover, the emergence of many diseases which resist antibiotic is causing scientists to be increasingly concerned about this issue.
Also to be considered is the natural environment, which can be seriously threatened by too many visitors. Australia’s Great Barrier Reef, for example, is in danger of being destroyed by tourists and there plans to restrict visitors to some of the more delicate coral cays.
These are just three of the reasons why any country should be wary of committing itself to an extensive development program.
33. Why does the natural environment become one of the serious problem associated with faster planes and cheaper flight? Because ….
A. easily start an epidemic before their illness was diagnosed
B. it can be destroyed by too many visitors C. the health problem will increase
D. they carry visible items of wealth E. it can increase crime rate
34. Why is the crime rate is increasing due to the new industry?
A. Some tourists carry visible items of wealth
B. The tourists are spreading contagious diseases
C. The government is planning to restrict visitors to some coral cays
D. The new industry makes the number of unemployment increase
E. The tourists come by plane
35. “One carrier returning home could easily start an epidemic before their illness was diagnosed”. (Paragraph 3). The underline word means ……
A. found B. observed C. identified
D. examined E. healed
SMARTPHONES FAVORED BY 1 IN 3 FILIPINOS
MANILA: One in every three Filipinos who bought cell phones from January to May this year purchased smartphones, a research company says.
“In the first five months of this year, almost 1.7 million units of smartphones were sold, translating to more than five times the sales volume for the same period last year”, research company Gfk Philippines said in a press release sent to The Jakarta Post on Monday.
Gfk Philippines report revealed that nearly 5.5 million mobile phones valued at around USD606.5 millions were sold in the first five months of the year. Out of this total, smartphones made up 30% in volume and accounted for 66 percent of value.
In May alone, sales of smartphone hit their highest level, reaching 34 percent of all mobile phones sold, while their proportion of value contribution to the overall mobile phone market reached 71 percent.
“Sales of basic feature phones grew by 30 percent and continue to remain popular, but it was the smarterphones segemtn, with its 408 percent spike in demand that has been stirring up the industry”, said Benny Villanueva, general manager of Gfk Philippines. “Its rising demand is largely triggered by the effort of the manufacturers who are offering more affordable smartphones, as well as retailers, who have started offering zero percent interest programs of up to 24 months on to of their aggressive promotion schemes”.
36. What is the text about?
A. The sales of cell phones B. The report of using cell phones
C. The research of using smartphones D. The increasing sale of smartphones
E. The high percentage of using smartphones
37. Compared to the same period last year, the sales volume for the first five months of this year …..
A. was stagnant B. decreased slowly C. increased gradually
D. strengthen twice E. raised sharply
38. “Gfk Philippines report revealed that nearly 5.5 million … “ (paragraph 3). The underlined word has similar meaning to ….
A. claimed B. believed C. assured D. talked E. stated
Man United Begins Preseason with Narrow Win
Associated Press (Thu, 07/19/2012 10:07 AM) Sport
Manchester United began its preseason with a 1-0 win over South Africa club Amazulu on Wednesday.
Both sides created chances in an open encounter. Man United’s Anders Lindegaard and Azulu’s Taupwa Kaipini made excellent saves to deny more goals. In the end, they were probably the only two men who were pleased that only one goal was made.
Fedrico Macheda scored after 19 minutes at Moses Mabhida Stadium in Man United’ first game in South Africa. Macheda swept the ball home powerfully after being played in by Dimitar Barbatove on the left side of the penalty area.
The game was played on the 49th birthday of the former South Africa President and anti-apartheid icon Nelson Mandela.
39. We learn from the second paragraph that ….
A. each team made only one goal B. both teams performed their best
C. both goal keepers were excellent D. Man United was better than Amazulu
E. only the goal keepers were pleased with the match
40. Both goal keepers were probably pleased in the match because ……..
A. only one goal was made B. both sides created a lot of chances
C. they were the best players in their teams
D. Manchester United finally won over Amazulu
E. they celebrated Nelson Mandela’s 94th birthday.
41. What is paragraph 3 mainly about?
A. where the match was held B. Macheda’s powerful kick
C. How the goal was made D. Dimitry Barbatov’s strategy
E. Man United’s first game in South Africa
DR. GSSJ RATULANGI (1890-1949)
Gerungan Saul Samuel Jacob Ratulangi, who was well-known as Sam Ratulangi, was born on November 5, 1890 in Tondano, North Sulawesi. After graduating from his “Holden” school in Tondano, he continued his study at the Technical School (KWS) in Jakarta. The he moved to Bandung and worked for railroad company in south Priangan.
While he was working for the railroad company, he was badly treated by the Dutch. His salary was lower than the Dutch worker, although their ranks and education were the same as his. This bad treatment hurt his nationalist feeling. He determined to improve his knowledge and education as high as he could. He wanted to devote his life for the advancement of his nation.
In 1915 he succeeded in getting a diploma. He got his doctor degree in mathematic and natural sciences in Switzerland. In Holland he was elected leader of the organization of Asian students.
Returning from Holland, Sam Ratulangi taught mathematic in AMS (a kind of SMA during the Dutch occupation) in Yogyakarta. Then he moved to Bandung and set up an Indonesian Insurance Company. He was appointed secretary of “Dewan” Minahasa in Manado for three years, 1924-1927. He opened a new land for farming for the sake of the people, and set up an institution. In his hard struggle and protest against the Dutch government, he banned the “kerja paksa” (a practice in which people were forced to work hard without being paid) in Minahasa.
42. Why did Sam Ratulangi want to devote his life for the advancement of his nation?
A. He experienced bad treatment from the Dutch
B. He determined to increase his knowledge
C. He wanted to increase his education as high as he could
D. He continued his study at the Technical School in Jakarta
E. He moved to Bandung and set up an Indonesian Insurance Company
43. Which of the following is true about Sam Ratulangi?
A. H was a medical doctor B. He went to University in Europe
C. He had never been to Yogyakarta D. He was born in Manado, North Sulawesi
E. He did his technical education in Tondano
44. According to the text, the young Sam Ratulangi believed that …was the way to develop the nation.
A. education B. nationalism C. brevity
D. hard work E. creativity
Jakarta, February 14th, 2012
General Manager, Jaya Hotel.
I would like to introduce our company, Samudra Service Ltd, which has been in the business of providing house-keeping service for the past 3 years.
We have a well-established track record and our services have always met high customer satisfaction.
We offer great service at a very competitive price and have never been known to compromise on the quality of our service.
We would like to offer our service to your hotel. Mr. Sungkar, our General Manager, would get in touch with you next week to discuss the details in person.
We look forward to a fruitful working relationship in the future.
(Owner of Samudra Services Ltd)
45. The reason for the general manager of Samudra Services Ltd meet Mr. Darmawan is to …
A. promote personal relationship B. keep in touch with Nia Pusparini
C. talk about the details of the hotel service
D. offer house-keeping service to Jaya Hotel E. meet customer satisfaction
46. According to the text, we know that Nia Pusparini…
A. is the general manager of Samudra Services Ltd
B. has a house-keeping service company C. is the manager of Jaya Hotel
D. works for Mr. Darmawan E. works for Mr. Sungkar
A room air-conditioner is typically installed on a window, and is built to service a single, medium size room. Air-conditioners of this type are divided in two by a slim metal operator, such that one half projects from the room.
The portion that is inside the room houses the evaporator and the cooling coils. A small fan takes in air from the room, which first passes through a filter, and is then circulated through the cooling coils. The cooled air is finally blown into the room by the fan.
Since cool air does not hold as much moisture as warm air, some of the water vapour in warm air condensed against the cooling coils during intake forming water droplets. This water either drops into a pan at the bottom of the air-conditioner or is disposed of by means of a small pipe.
The air-conditioner monitor the ambient temperature in the room using a thermostat. When the temperature of the room reaches the same level or drops lower than the temperature set on the thermostat, the cooling coils are disabled, leaving only the fan in operation. Once the ambient room temperature exceeds the set temperature on the thermostat, the cooling coils are once again engaged.
47. What is the function of a room air-conditioner according to the text?
A. to install a window B. to divide a slim metal
C. to build a project out of room D. to separate a single medium sized room
E. to service a single medium sized room
48. The air from the room is finally ….
A. thrown through a window B. circulated through a filter
C. disposed through the cooling coils D. circulated through the cooling coils
E. blown into the room by the fan
49. From the text we can learn that .. . of the small pipe is to dispose the water droplets
A. form B. function C. result D. effect
50. “…. or is disposed of by means of small pipe”. (paragraph 3). The underlined word means
A. left B. built C. discarded D. installed E. separated