請依下文回答第 41 題至第 45 題：
About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly 41 a tumor on my pancreas. I didn’t even know 42 a pancreas was. The doctors told me this was 43 certainly a type of cancer that is incurable and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor’s 44 for preparing to die. It means to try to tell your kids everything you thought you’d have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up 45 it will be as easy as possible for your family. It means to say your goodbyes. 【題組】41 (A) showed (B) cured (C) suppressed (D) enlightened
請依下文回答第 46 題至第 50 題：
A home is the most important purchase a person can make, so it goes without saying that you need to approach it very carefully. Unless you’re one of the lucky few who can afford to buy a house without relying on a bank, you’ll need to make a mortgage loan — and that’s an adventure in itself. Mortgages are long-term financing options that will have a massive impact on your future and you need to weigh your options carefully. Navigating the mortgage market can be quite challenging, especially as a first-time home-buyer, so follow these tips to make your journey easier: Sometimes, renting makes more sense than buying. A mortgage is a long-term commitment and it will influence the way you save and spend money for years to come. Unless you’re completely comfortable with paying monthly installments, it’s safer if you simply rent a property. Renting is a practical solution when you haven’t achieved a high enough degree of financial independence.
Don’t rely on your emergency fund to get a mortgage.
When the housing market is very competitive, first-time buyers often rush into making a purchase using their emergency funds as a down payment. However, that can be a huge mistake and it might affect your financial security in the long run. The emergency fund is for just emergencies. If you are left without your main source of income,you can use it, of course, but otherwise, it should be left untouched.
The deposit matters just as much as the credit score.
You’ve probably heard stories from senior family members who bought superb homes with no down payments.Unfortunately, the market has changed and approval conditions aren’t as flexible as they used to be. To buy your dream home, not only do you need a good credit score, but you also need to spend years building up your deposit.Many first-time buyers stop after reaching the minimum amount for the deposit, but, if you save more and wait an additional year, you can borrow at a better interest rate. 【題組】46 What is the best title for this passage?
(A) Importance of Tenancy Deposit. (B) Choices of Mortgage Interest Rates. (C) Tips for First-time Home Buyers. (D) Timing for Using Emergency Fund.
【題組】47 Which of the following is NOT a piece of advice given in the passage?
(A) Don’t use the emergency fund to get a loan. (B) Renting instead of buying could be a possible option. (C) It is important to save more money for the down payment. (D) Building up a good credit score is a long-term commitment.
【題組】49 Which of the following is closest in meaning to “weigh your options” in this passage?
(A) To measure the weight of your purchase. (B) To think about your mortgage choices. (C) To estimate the profit of renting out your property. (D) To calculate how much money you need for a trip.
【題組】50 According to the passage, which of the following statements is true?
(A) Renting a house is a definite way to represent one’s financial independence. (B) Saving a minimum deposit is a guarantee of getting a better interest rate for a loan. (C) Using emergency fund to purchase a house is a good idea in a competitive market. (D) Getting a mortgage usually has a massive impact on the borrower’s future.
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