Membuat kalimat

Membuat kalimat dari kata yang sudah ditentukan dan harus menggunakan kata (cat, can't. should, shouldn't)

1.        Can

You are can read a book in the Library. >> You are allowed read a book in the Library

You are can learn history in Museums of Jakarta. >> You are allowed learn history in Museums of Jakarta.

You are can play in the garden at the holiday Park. >> You are allowed play in the garden at the holiday Park.

We are  can eat in the Restaurant at any time. >> We are  allowed eat in the Restaurant at any time.

We are  can shop for clothes at the Mall. >> We are allowed shop for clothes at the Mall.

2.        Should

You should be diligent to go to Library. >> You expected to be diligent to go to Library.

You should learn history in Museums. >> you expected to learn history in Museums.

You should keep the Park clean. >> You expected to keep the Park clean.

If you are hungry, you should eat in a Restaurant. >> If you are hungry, you expected to eat in a Restaurant.

If there is a discount, you should shop at the Mall. >> If there is a discount, you expected to shop at the Mall.

3.        Can't

You can't be loud in the Library. >> You permitted to be loud in the Library.

We can't be noisy in the Museum. >> We permitted to be noisy in the Museum.

We can't sleep in the Park. >> We permitted to sleep in the Park.

We can't dump in Restaurant. >> We permitted to dump in Restaurant.

We can't throw away trash in the Mall. >> We permitted to throw away trash in the Mall.

4.        Shouldn't

you shouldn't eat in the Library.

We shouldn't sleep at the Museum.

We shouldn't  dirt Park.

We shouldn't make noise in the Restaurant.

We shouldn't burn the Mall.

Slow and steady choices build a credit score

Driving back from the grocery store the other day, I spotted one of those clear-up-your-credit-score-quick signs that dot the corners of major roads.

As eye catching as the brightly colored signs are, of course, grabbing financial advice off the street is one way to pay high fees for something you can find for free. Or you might pay outlandish sums for services that you can do yourself.

The good news for consumers is that extra help regarding credit scores and credit reports is now available from a variety of sources. Unfortunately, many consumers still aren't sure where to look or they don't want to be bothered.

More than half of consumers surveyed — 58% — didn't even know their credit score, according to a report the American Bankers Association released last fall.

Many times, consumers start caring about a score when a lender tells us that we don't qualify for a low rate on a major loan because of a low score. Unlike what signs on the road imply, there isn't a quick fix for boosting a credit score. But educational information can offer a realistic plan of attack.

"Everybody wants the 'What Next?' button," said Ian Cohen, CEO of Credit.com.

So Credit.com has new "personalized action plans" to help consumers figure out what they can do to raise their credit scores. One strategy? Start paying more than the minimum required payment on credit cards to lead to lower balances and possibly raise the score.

Detroit-based Quizzle.com, a provider of free credit reports and scores, offers free tools that used to be part of a premium package. No purchase or credit card is required.

"We provide credit comparison, credit trending, a score analysis, and a credit time line that shows how your personal credit was built over time," said Todd Albery, CEO of Quizzle.

In January, Quizzle started a partnership with Equifax, Vantage Score andReasonCode.org. Now, Quizzle offers a completely free credit report from Equifax and a Vantage 3.0 Credit Score.

"A score alone does not give consumers a full understanding of their credit health," Albery said. And that's where online advice can help.

Albery compares seeing one's credit score to being in high school and finding out you got a 76% on a geometry test. But what if you never saw what questions you got wrong on the actual test? How would you find ways to improve?

Finding out your credit score wasn't always as easy or simply as free as seeing a grade on a test. Now, though, some consumers are finding access to free credit scores via their credit card statements and online accounts, too.

Discover rolled out free, three-digit FICO scores on monthly statements for its card members after a test run last year. Barclays is offering free FICO scores to its cardholders, too, via their online accounts.

The Consumer Financial Protection Bureau is turning up the heat on card issuers to release more credit score information.

The push for free credit scores is leading some online outfits to boost their offerings, as well.

Cohen, of Credit.com, said the goal of the personal action plan is to help consumers solve real problems by learning strategies in as few clicks as possible.

Cohen walked me through the new program online and showed how a consumer can easily slide gadgets on the computer screen to figure out what's driving down their score. Is it their payment history? High debt? Mix of accounts?

"It's enough to get people to act," Cohen said.

Sometimes, the strategy could involve taking steps to pay down more credit card debt and other debt to drive up the score.

Take a consumer who owes $2,562 on their credit card bills. It might not seem like a horrible amount of credit card debt. But if the credit limits on those cards is around $6,000 all that debt is driving down the score. The consumer in this example is using nearly 43% of their available credit — when a better score could be reached if one used only 10% of available credit.

Paying an extra $175 to $300 a month toward that credit card balance could drive up some scores 20 points to 35 points soon.

Other consumers could end up being warned that they don't want to apply for more credit right now. They might want an on-the-spot discount in a store but they could be driving up the cost of their overall borrowing on other loans because they've applied for too much credit lately.

Driving a credit score higher, of course, can lead to lower interest rates when one does take out a loan and then push down the cost of borrowing over the long run.

Credit.com notes that even a so-so credit score can cost some consumers more than $103,000 in extra financing costs over a lifetime.

"The data we pull on you is all yours. Here take it," Cohen said.

Opinion reader :

source of article : 

http://www.usatoday.com/story/money/columnist/tompor/2014/05/11/susan-tompor-slow-and-steady-financial-choices-build-a-credit-score-/8943773/

Bahasa Inggris Bisnis 2

Bagian I

In the following sentences supply the articles (a, an or the) if they are necessary. if no article is necessary, write Ø.

1.        Jason's father bought him a bicycle that he had wanted for his birthday

2.        The Statue of Liberty was a gift of friendship from Ø Franceto Ø United States.

3.        Rita is studying Ø English and Ø math this semester.

4.        Please give me a cup of Ø coffe with Ø cream and Ø sugar.

5.        The big books on the table are for my history class.

6.        When you go to the store, please buy a bottle of Ø chocolate milk and a dozen oranges.

7.        What did you eat for Ø breakfast this morning?

8.        Rita plays a violin and her sister plays a guitas.

9.        While we were in Ø alaska, we saw an eskimo village.

10.    The chair that you arw sitting is broken.

Bagian II

Fill in the blanks with the appropriate form of other

1.            This pen isn't working. Please give me another pen

2.            If you're still thirsty. I'll make another pot of coffee.

3.            This dictionary has a page missing. Please give me another dictionary.

4.            He doesn't need those books. He needs the other books/other boo

5.    There re thirty people in the room. Twenty are form Latin America and  the other re from other countires.

6.      Six people are in the store. Two were buying meat. another was looking at magazines. another was eating a candy bar. ____ were walking around looking dor more food.

7.            This glass of milk is sour. another glass of milk is sour too.

8.    The army was practicing its drills. Ine group was doing artillery practice. another was marching; another was at attention; and another was practicing combat tactics.

9.   There are seven students from Japan. other students are from Iran, and other are from other places.

10.    We looked at cars today. They first two we far too expensive, but the other  ones were reasonably priced.