Jason Hogan - IELTS General Training Reading Practice Test #14. An Example Exam for You to Practise in Your Spare Time. Created by IELTS Teachers for their students, and for you!

IELTSGeneral Training Reading Practice Test #

An Example Exam for Youto Practise in Your Spare Time

Created by IELTSteachers for their students and for you.

Edited by JasonHogan

Maldek House2011-2018

All RightsReserved.

3rd Edition 2018

SmashWords Edition

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AboutIELTS General Training Reading Practice Test #

Thank you foryour interest in IELTS General Training Reading Practice Test #14for your eBook reader.

These General Readingpractice test questions have been created based on many discussionswith IELTS examiners, IELTS teachers and especially IELTS studentswho have described the sort of questions they get in the exam.

Through practicingthese questions, and other questions in the series, youll be ableto become more familiar with the types of questions asked in theexam, and be better able to answer confidently.

For more informationabout the exam, please visit the official website at

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IELTSGeneral Training Reading Practice Test #

Part1 Questions1-9

Overcoming Debts

This guide willintroduce you to the greatest problem of post-modern society: thefear of dealing with debts. If you are in the red, this guide willhelp you to get in the black in no time.

Debts analysis. Thefirst task is to consider the sort of debt you currently have. Isit an overdraft in your bank account? Is it a credit card bill?Have you got mortgage instalments? Once you identify the debt, youshould calculate the debt to income ration. How much do you ownthird parties? How much do you earn every month?

List each debtaccording to interest rates. People tend to focus on the debtitself and forget that debt grows exponentially because of theinterest paid on it. They should calculate the interest which willbe added to it. Which ones have a higher interest rate? Which oneshave a lower interest rate? Is there any possibility of negotiatinginterest-free instalments?

Set up the debtrepayment plan. Now you have a clear idea of your debts, you shouldtake action to fix the debt. You should pay the debt which has thehighest interest rate. If you neglect high-interest debts, you willend up getting even further into debt. The reason for that issimple while you concentrate your efforts on paying low-interestdebts, you will see that your total debt is increasing due to thehigh-interest debts.

FurtherInformation:

The best way to learnhow to calculate interests is to use formulas that are applied inFinancial Mathematics. If you have not got a course in Economics orFinance, you can look for programs that calculate simple interest,variable interest rates, annual percentage rate and so on.

If you borrowed moneyfrom the bank, it is useful to see your bank manager in person. Ifyou explain your situation, they may be able to review theinstalments and offer an alternative loan option.

Credit card bills arefar more difficult to pay than household bills. As they have one ofthe highest rates in the market, it is important to negotiate it assoon as possible. The golden rule is that, regardless of how muchthe monthly bill is, you should not purchase anything until youhave paid off the whole credit card bill. Otherwise, it will belike a snowball and you will not be able to control it.

In order to keepmotivated, you should consider paying off as much as you can. Youwill save time and money if you pay bills with higher interest rateand low outstanding balance than bills with lower interest rate andhigh outstanding balance. As a matter of fact, you have reducedyour bills so you will feel encouraged to continue to liquidateother debts. You can definitely overcome your debts if you followthis financial strategy.

Question 1

Choose the appropriateletter A-D

1. According to thewriter, what is the purpose of the article?

A Provide a list ofrules about credit history

B Give suggestions fordealing with debtors

C Provide steps fordebt clearance

D Inform about a guideon raising credit

Questions 2-4

Choose THREE lettersA-G.

Which THREE of thefollowing does the writer highlight when describing how to overcomedebts?

A evaluate and classifydebts

B pay off debts atonce

C focus on paymentstrategy

D refuse interest-freepayment

E categorise debtsaccording to interest rates

F assess how muchinterest has been paid

G negotiate lowinterest debts

Questions 5-7

Choose

TRUE if the statementis true

FALSE if the statementis false

NOT GIVEN if theinformation is not given in the passage

5. It is possible touse a formula to calculate simple interest and variable interestrates.

6. It is not advisableto have a face-to-face meeting with the bank manager.

7. People should focuson paying the monthly instalments before using the credit card.

Questions 8-9

Using NO MORE THAN TWOWORDS, complete the following statement.

Unless people deal withtheir debts accordingly, they will feel that it is a 8. rollingdown a mountain.

People overcome theirdebts when they use the 9..

Questions 10-17

A Taste of Music

There is a musicalevent for everyone!

A. The GloriousClassical Hall

Welcome to the GloriousClassical Hall! If you are an aficionado for High Culture, you areinvited to see a magnificent classical concert. Every week you cancontemplate the most harmonious orchestral beauty and watchrenowned maestros conducting their orchestras. Have a magicalevening of Bach, Beethoven and Mozart symphonies will provide anunforgettable repertoire. Let classical music resound in yourheart!

B. Night FeverParty

It is time to go backin time! Feel like dancing to disco music as you did in the 1970s?If so, this venue is for you. You are welcome to make your way tothe dance floor and jive while listening to Bee Gees and thesoundtracks of Saturday Night Fever! As in the film, we hold adance competition every week. If you have a partner, come along andshine on the dance floor!

C. Techno Time

Are you into dancing totechno beats? Then, you cannot miss out on our spectacular venue!There are four dance floors and a range of techno, trance, houseand garage tracks are played simultaneously. Once a month, thereare two DJ sets at the eclectic stage. As soon as one DJ plays atune, the other one has to respond to it the best mixes is whatyou can expect! You are certain to dance through the night untildawn!

D. Jazz Style

Would you like to visitAmerica? Well, you must prepare your ears to the jazz music! Youcan listen to incredible bands that perform absolutely beautifully!Come and be fascinated by the sound of trumpet and saxophone. It isa unique musical experience.

E. Time to Rock

Is there a music genrethat is more revolutionary than rock music? Why not come and singalong the greatest epic rock anthems of all time? Unknown bands paya tribute to the music of famous bands and get you to sing thelyrics that have made history. The venue is underground and trulyhas an underground atmosphere. Good rock will never be mainstream.Are you ready to rock?