Прочитайте текст и ответьте на вопрос: What is the rate of return offered by credit unions Credit un...: ответ на тест 1046379 - Английский язык

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What is the rate of return offered by credit unions?
Credit unions, associations of people with some thing in common, often serve people who have the same employer, work in the same industry, or belong to a particular church, labor union, or club. Credit unions offer insured savings plans similar to those offered by other savings institutions. In most instances, however, the rate of return offered by credit unions is higher than that of the other institutions.

Credit unions, associations of people with some thing in common, often serve people who have the same employer, work in the same industry, or belong to a particular church, labor union, or club. Credit unions offer insured savings plans similar to those offered by other savings institutions. In most instances, however, the rate of return offered by credit unions is higher than that of the other institutions.
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What is the rate of return offered by credit unions?

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Those seeking employment will want to investigate all available possibilities. The following are the main sources of information about job vacancies.
– Job centers.
– Employment agencies.
– Local careers officers.
– Newspaper advertisements.
– Friends and relatives.
Advertisements are the most common way of publicising a job vacancy and inviting applications. Prospective applicants should read the advertisement carefully. Not only it will give important information about the job and the firm, but it may also offer clues of what should be included in the letter of application.
In some cases it may be acceptable to type a letter, in others the advertisement may state that the application should be in “first hand”, in which case the letter should be handwritten, preferably on plain paper. It is sensible to make a rough draft of the proposed letter before writing it out in detail.

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The letter of application is also called the covering letter. It provides the first direct contact between a candidate and an employer. If it is not written properly, it can produce a bad impression. First of all, you should point out:
– Your home address – note use of post code and home town in capitals.
– Name and address of the person you are writing to.
Usually the letter of application contains 3 or more paragraphs in which you should:
– Say which job you are applying for.
– Qualifications or examinations taken.
– Relevant past experience and why you think you are suitable.
– Indicate your willingness to attend an interview.

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Applicants for employment are invariably interviewed (usually in the Personal Department) before any job offer is made. The aim of the interview is not only to assess the suitability of the candidate for the vacant position, but also to give the applicant the opportunity to seek further information about the job. During the interview the applicants may be required to complete an aptitude test designed to assess their suitability for the job available.
The interview is crucial for the applicant because it is at this time that the interviewer assesses the candidate’s appearance, ability to communicate and general manner. Consequently, it is important to be thoroughly prepared for the interview.

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There was a time when things like cattle, salt, shells, etc., were used as the media of exchange. But all these suffer from drawbacks. Precious metals came to be accepted as money, because they had certain advantages. Gold and silver have been accepted as the media of exchange; but that is not the only function of money. 1_______. Distance is measured in yards, feet, inches, etc.; temperature is measured as so many degrees fahrenheit and centigrade; weight is measured in ounces, pounds, tons, etc., and the value of any article is measured in rubles, dollars, shillings, etc. If a wrist watch is more valuable than a book, you can explain that the price of a watch is $40 and that that of a book is $5. 2_______. That is how you measure the value in terms of money. 3_______. Two merchants may be buying and selling a lot of goods from each other. Instead of making payments every day to each other, they may find it much more convenient to write down accounts, and then at the end of every month or year, they may adjust their accounts and make a small amount of payment from the debtor to the creditor. These accounts are written in terms of the currency of the country concerned. Money also functions as a “store” of value. If you do not want to spend your money today, you may keep it with you, as long as you wish. 4_______. For the same reason money can also be used as a standard of deferred payments. If you buy something on credit, you may make the payments at the end of the month, or at any other convenient time. Whether you pay today or after a month it makes no difference in the value of money.