q

Lucia Swicesctx.

Editura' Univorsttatezx Lucian

2003

[zlzgzl Lllil S-lill,

CUPRINS
Informaii utile
UNIT 1
Conversationai Formulas
..1
UNIT 2 Invitations, Arrangements .................................
.................................9
UNIT 3 The House
............ ........................................14
UNIT 4 Invitation
to a Picnic
..........................................23
UNIT 5 At Supper
l Sweets / Travels
..~
..29
g

................ ..........
......................... ................... 34
7 ~ Economic Tonice
..............................................40
On

UNIT 6
UNIT

Language SkiIIs

UNIT a

the Importance of Learning English

Revision Tasks

- TEST 1

.... ..........................................45

....................................................................46

UNIT 9 -Essential

ISBN 973-651-754-3

UNIT 10

II

Topics in Finance for the Manager

....... .,47
"Robeco Bank Makes My Money Work Harder....56

UNIT 11

- PART A
-- PART B -

UNIT 12

-PART A
PART B

UNIT 13
UNIT 14

The Loan

..................... ..................61

Commodity Risk Management and

- Finance

...........................................69

-Protect your assets

..73
........................................
'P
................................79
TEST 2 A
........................................................81
TEST 2 a
.................................. ...................a2

-Medical Insurance Cover

-

INFORMAII UTILE
Materialul de studiu coninnd capitole
sau uniti numerolate de
la 14 reprezint un indrumtor
pentru teme de conversaie i un
inureptar pentru nelegerea unui vocabular
general de specialitate.
Fiind adresat studenilor din anul ll
de studiu ~ nu mai apar
explicaii gramaticale. Aceste cunotine
se presupune c au fost
la

asimilate in anul l de studiu.

Scopul capitolelor 1 7 este de a oferi larg palet
de cuvinte
- modele o
i expresii grupate in seciuni
de exprimare din sfera vieii
pe
cotidiene,

Prin repetare continu i variat

a acestor modele de exprimare
se urmrete formarea unui reflex n folosirea lur.
Materialul adiional vine s lmbogeasc
cunotinele de limb
englez i s ofere exemple de intrebuinn lrgite
fa de cele de

baz. vine s nuaneze vocabularul iniial.

Toate exerciiile i temele de rezolvat de la finalul
tecmi capitol
sunt extrem de importante deoarece vor ti baza pentru
examinare.
- 13
Scopul capitolelor 9
de
- este a ne famillariza cu limbajul
specific profilului de specialitate
ales pentru studiu.
Vocabutanrl de specialitate
are caracter general, punndu~se
accent pe topica specific limnii engleze.
Textele de specialitate sunt nsoite
de cuvinte, expresii,

Isinonime,

familii

de cuvinte presupus& necunoscute

-traduse n limba
roman. Traducerea nu este numai
cea specific din context va

nevoie s decideti dumneavoastr care este nelesul pe carei vei

alege pentru a traduce textele.

UNlT 1

Reamintim c toate temele de rezolvat de la fiecare capitol (deci

de la capitolele 9 13) trebuie parcurse cu seriozitate -deoarece
cunotintelort
vor face parte din subiectele pentru examinarea
capitolele 8 i 14 reprezint o recapitulare a celor &ou prti
(iormuie de conversatie i lectii de specialitate) ,cu o'
tematic
i

FORMULE DE CONVERSAIE

CONVERSATIONAL

FORMULAS
Vorbiti

~ englezete?
Iranuzete ?

suplimentar, o formulare deosebit fat de exercitiile anterioare,

sau
chiar teme noi, ca model de subiect pentru examinare.

Dac prin programa de nvmnt este prevzut examinarea

cunotinelor n Fiecare semestru, atunci:
l
1
semestrul
- capitolele ~ B
semestrul ll - capitolele 9 14
-

Ce limbi !cunoatei ?l
/ vorblti/
M

What

intelegeti 7

Dac examinarea se face doar la sfritul anutui de studiu, atunci

se parcurg capitolele 1 ~ 14.
Teoretic pentni fiecare capitol sunt afectate 4 ore de studiu in
~
total 56 ore de studiu.

Nu v

Vreti

s mai spuneti o dat

Cum

se -lscne/ acest cuvnt?

Dac examinarea are loc la sfritul anului de studiu, candidatii

vor pregti ambele teste (testul l i testul ll)

Dac examinarea este semestrial, candidatii vor pregti in

prima sesiune testul nr. l i in semestrul al II lea, testul nr. ll.

prea inteleg

SUCCES

traduce I

Ce nseamn acest cuvnt 7

speak

English 7
French ?

languages do you know?

/speak7/

Do you

Do you lollow ?

/ pronun l
l

Do you

understand me?

[don't quite follow you.

-Would you mind rcpeating that?

-l bag your pardon?
How dp you -lspell/ this word?

-lpronounce/
Jtranslate/
What does this word mean?

FORMULE DE SALUT

GREETINGS

Bun dimineata'

Good morningl

Salut' I Bun ziua'

Hello! Good

Bun

Good eveningl

Good nightl

searalwup ora 5 p.m.)

Noapte bunKla ore trzii i

dup ce ne despnim de
cineva)

v salutt/ S

FORMULE

pe PREZENTARE
DESPRIRE
I

MEETING

AND
LEAVE-TAKING

(LA REVEDERE)

afternoon!

Pot s v fac cunotin cu dl

May i piesent

Carter?

Firete / ncntat

liiii! (toimui

Permiteti-mi s v prezint
pe

dl

How do you dol

de salut oficial. totosit cnd

Jones

La

revedere! Pe mine'

Goodbye!

/See

tomorrow!!
long'
-

Pa'

(in

vorbirea familial)

cu doamna Clay

you

See you Iatert/ So

Certainly /

Let me introduce Mr.

cunotin

Permitei-mi s m prezint!
imi permiteti

s m prezint
Numele meu este

Bye-bye' / Cheeiio!

t`d

be delighted

7/

cunoatei pe dl Finch 7
Nu, n-am avut nc
plcerea,

May t introduce mysell

My

MISS

Will you introduce

me to Mrs.
Clay 7
Atlow me to

Jones

May t introduce you to

Wood 7

Carter 7

expiesie)

Vrei s~mi faceti

ML

to you.

Pot s v prezint domnioarei

Wood ?

se tace cunotin cu cineva

i se rspunde tot cu aceast

INTRODUCING

SOMEBODY

name

is

introduce myself!

7/

Do you know Mr. Finoh ?

No, I haven`t had the

pleasure yet

_Ne-am cunoscut deja

Vi-l prezint

pe dr. Gray

This

Am auzit attea despre

De mult doresc s v
cunosc.

Sper c ne vom mai intalni

Transmite tuturor salutari din

partea mea

doctor Gray

It's

you

nal Exglanatiori

must be going now Trebuie plec

s
(Ne pregtim pentru
a ne lua la revedere).

See you later

- Ne ntlnim mai' trziu (Se folosete

n limbaj familiar
-ln cazul n care

I've been wanting to

meet
you for a long time.

plcere s v

CUNOSC

lS

I've heard (such) a tot

about
you

dumneavoastr.

A fost o

Explicatii suplimentare / Add

We`ve already met

exist o relntlnire,
va avea loc in

aceeai
-

been a pleasure meeting

See you

Zl).

Ne mai vedem (limbaj

familiar- cnd
tim c ne ntlnim
destul de des cu
-

persoana respectiv) ~ se folosete

mai ales de ctre tineri intre ei

hope to see you again

(some time)
l

forma p4escurtat pentru

"Gootfbye"
mai
e
puin formal
-

Give everyone my kind

regaros /Remember melc

everyone.
u

Bye

bye

expresie familiar ntre femei

sau n

relatiile cu copiii

Dialogue
Joan:
Mike:

(relatively informal)

Hello, Mike
Hello\

Joan, Haven't seen you lor a long time. How are

you getting on '?
Joan: All right, llianks How are you 7
Mike, 0h. noi ino bad, thanks.

Dialogue
Mr

(more formal)

Mr,

Jackson

Jackson
;

Jackson

Mrs,

Turner

you. And how are you 7

I'm not feeling very well al the moment

Mr.

think
-

musl have caughl a cold.

l`m sorry to hear thai | hope you'll
soon get over

il

Dialogue

(relatively informal)

Jackson

Roland '

Mike

Christine

Joan

Remember me to Ken.
Thanks, will. Besl wishes to Margaret

Roland.
Christ/ne

Chrisline, this is Clive Barlow. Clive this is Christine

Devlin
.

Hello
.'

Dialogue B (relatively formal)

Mr

Mike: Thanks So long. then,

Joan

Cheerio. See you nexl Thursday

6

Thank you Goodbye.

Goodbye

Well. think I'd better be going.

Me, too.

'

Christine, do you know Clive 7

No\ l don't ihink do

Dialogue A (informal)

Clive

Joan

Excuse me, Mrs Turner, bul I'm afraid shall

have to be going. promised lo be home by six

Give my kindesl regards to your sister

l
Mrs. Turner: Thank
you, will Ii was nice to see you again
Give my hesl wishes to your wife and the children

Good morning. Mrs Turner, How are you 7

Good morning, Mr. Jackson I'm very well, lhank

Mrs Turner

Mrs. Turner
Mr

Dialogue B (relatively formal)

While. Mrs. Moore, may l introduce friend of mine 7ThIS

a
is Mr, Pearce. James, this is Mrs. Moore. She works
in the
same ufnce as my wife.

Mrs. Moore
Mr

'

Pearce '.

How do you do

'?

UNIT 2
INVITATII

Dialogue C polite without being too formal

(

and a young woman have got into Conversation

with each other in a railway companmeni. )
Young Man Perhaps I'd better introduce myself. My name's Jim
Graves i'm sludying physics at Hull.

George: How about going for a cup of coffee this aiternoon ?

Diana: Good idea Where shall we meet?

George: i'll wait for you

.'

My

names

INVITATIONSARRANGEMENTS

Dialogue A (informal)

(A young rrian

Young Woman

Kaihleen Maguire. I'm a medical

student

in

front of the post olfice al four o'clock

Diana
That's a bil too early lor me. Could we make it hall
past?
George. 0kay suits me. See you later, then.
*

Diana

Bye.

Dialogue B (slightly more formal)

David 'Would you like to
come round to our place one evening 'I
We could have a drink and listen to some records.

Exercises
i.

Read the dialogues aloud several times

(Citii dialogurile cu

voce tare de mai multe ori

ll. Look up the words you don't know in a dictionary.
(Cutai in dicionar cuvintele necunoscute)
lII. Make
a list oi all the tormulas connected with greeling ?md
)

leave ~ laking
(Faceti o list cu formulele de salut i despartire sau iormiiie

legale de acest subiect)

IV. Practice gieeting and leave

taking using the lormulas lrom

"
the dialogues and the list.
(Exersaii salutui si iorriiuleie de la
modelele de dialog i listele.)

revedere utiliznd

Jenny:

I'd like to

Jenny:

I'm afraid I've got tickets lor

very much.
David : Are you doing anything special
on Friday 'i

DavidPity.

Still, it can't

Wednesday

'?

the theatre.
be helped. Are you iree next

Jenny: (taking out her diary) Let me see. Yes, think ihat'll be all
I

right.

Thanks for the invitalion

David: Oh, don't mention it. Shall
we say half past seven
'
Jenny Tlial would suit me.

David ' Good. that`s setiled, then, Well, |

must rush off now, Bye.
'
Bye
bye.
Jenny

Vocabulag
- How about............

N-ai vrea

n pic
_ prea devreme (pentru)

Homewurk Teme

(dup care folosim verbul la forma mg)

- a bit
- too

early/ le / ter

ggervises

prea devreme pentru a te trezi. ~ ll is too eartyt_o wake uDl

lt is too early
m me.
. Este prea devreme pentru mine. ~)
(Nu reuesc s m incadrez....
E

mi convine I mi
_ i-ar plcea 7

se potrivete

Mi-ar plcea

- N-ai ce~i

I nu~i

t probleme

Neam inteles
- Trebuie s m5 9539955 (S
imi

NEC)

pare ru, dar

(sunt formele cu care se exprim
un refuz elegant la o propunere.
invitatie)

rspunsuri adecvate pentru a accepta

sau pentru a refuza
invitatia, propunerea)
III. Translate lntu English.
(TI-aducei in limba englez)

helped

- Pitt
- diary

I'd like to

- lt can't be

tace

. Pcat
_ Mam
_ cu plceve

-lt suits me.

- Would you like 7

Read the dialogues aloud several times

(Cititi dialogurile
cu voce tare de mai multe ori)
lt. Make
list
oi termulas for dillerenl inviiations l and nnd
a
approprlate responses to accept or reject.
(Faceti o list cu formulele pentru diferite invitatii i gsii
I.

don't mention

it.

That's settledr
1

"N51 WS Cl"

I'm sorry.

Bine, e in regul,
Din pcate, vineri

seara nu pot veni Pcat. Pi, nu se poate

tace nimic. Ce prere ai de smbt seara 'l

bul ------- -~

I
i'm afraid. --------- --

Pentru mine e un pic prea trziu, Ne putem ntlni cu or

p
mai devreme 7

Cerar

(ce prere ai l

i_l~ar

film?

plcea s) s mergem deseara la

S spunem la 8 7
Da, aste mi~ar convenit
-

Bine

~ am stabilit atunci. (neam inteles)

Trebuie s m grabesc. Pe mai tarziu.

AI

vreun program mar1i

ll

IV.

lcillowing

Give appropriate
:

responses (accevplance and reielion) to the

Expresii suplimentare

mm
Would
I 'rn

mmauuA

,
.

.'

(o,

V.

a se ciocni

V.

to have Iunch with him / her,

b) X invites Y to

deranjeaz

What's the matter?

stay with him l her over the week-end.

c)

and

arraiige to go to the cinema together.

d)

and

arrange to go to visit a friend who is in hospital

doesn't matter.

it

-it's all the same

- nu inem prima or

May I take you home ?

invites

- to run into (dac e

vorba de persoane

nu-i nimic

- nu m

Can you manage Thursday at two ?

Shall l call for you al the office ?

Prepare dialogues lor the following situalions

out oi order

ex. i ian Into George last night.

(Aseara I-am ntlni! pe George din intmplare; am da( nas
iri nas, o ntlnire neprogramat)

afraid, I 'm no( going to be in town !ar quite a long time.

Would seven O'Clock suit you 7

What about having tunch in town ?

se traduce cu a se ntlni)

(Pregatiti dialoguri pentru urmtoarele situatii)

a)

care-i problema 'r

very much.

Should we have Iunch together 7

.

you like la come murid one evening?

Yes, I'd like

Additional fonnulas

stricat (despre o main, un aparat

care nu mai funcioneaz)

(Dai rspunsuri adecvate (acceptare i reluz) la urmtoarele)

'

to

me

I've the first lesscn off.

Read and translate ' (cititi i traducei)

"I'm sorry my tathefs car is out of order"

"What's the matter with it 7'

"Somebody ran into it with his car yesterday

i'm afraid he cannot take us to school now '

"Il

doesn't matter, as can

I

easily go by bike It's all the

same

to me. What about you?"

"It doesn't make any difference to me as I've the trst Iessun
off."

"Thanks all the same."

"Not at atl. Don't mention It."

UNIT 3

J.

J.

J.

Good morning, Mr Jackson. How are you 7

Fine, thank you. How
are you?

Fine, thanks. i'm on my way home. Do you want to

house ?

J. Yes, l do. ls
:

J.

J.

'

'

No,
I

it

see my

iar 7

walk to the college every morning. lt takes ten minutes

like this street very much
l

.L

J. Do you own your home 7

It's Newton

Street. Here's our house now.

You
J,
have a beautiful yard, Mr, Johnson.
Jo:
Thank you. My lamily enjoys it very much. We spend a lot oi
time here in the summer. Please,
come in.

J.

J.

J.

J. Nu. We renl our house But we want to buy house

a
soon.
J. :We enjoy nurs. Please drop in again.
J. :Thank you so much.
:

Your living room is very large and attractive. llike

your large
windows.

Exglanatoy notes

We like plenty oilight

is your furniture new ? Il
seems quite modem,
Yes, it's new My wlle and like modern Iurniture It's
very
Comfonabl& In rad' n is a comfcnable house.

a) Phrases (expresii)

De you have a bedroom dnwnsmirs 7

J. No. Our tour bedrooms are Upstairs. Downstairs
we have a
living room, a dining
kitchen
and
We
room,
have a
a
bathroom, downstairs, too. lt has a toilet ani! a wash basin.
J

:They use the rooms. They are large enough.

Do you

have a oathroom Upstairs, too 7

J. Yes. The upstairs bathroom has tub
and shower. And, of
a
course, it has zi toilet and a wash basin too
J. Do you have a large family, Mr.
Johnson ?
J. : Yes. We have tour children. Our
three boys have their room,
and the baby girl has hei own mom. They
use the yard for
their playroom in the
summer.
J. Do they have a playroom in the winter ?
:

THE HOUSE

IA

Of

lt

course, it's a difficult subject

takes ten minutes to walk to

the college

este un obiect greu.

ajung in zece minute la

colegiu (pe jos)

WE

spend a Im amma here in

summer
_ .me house
seems modem
_

- irele:

m&

penecem ami mu mp

vam
_

Casa are s ne nmdem_

b) Additional
Igcuii 7
, me
- ce adres avei ?

c Agditional Words Regarding the House

(cuvinte suglimegtare privind casa

Ma\

Where do you live 7

'r'
- What Is your address
- live in Bucharest, at number
-

- locuiesc n Bucureti, strada

N
Gane nr, 32A
-

- avei

.la etajul lV,

32 A,

personal ?
nu, am nchiriat o garsonier/
o camer mobllal
~

....

Do you own your

- No,

ce cas draguta avei

trebuie s spun c aveti o cas

incantatoare

lt is

a four storeyed
i

What a ioveiy house you've

must say, you've got a

charming house.
~

canapea = soia /coach / settee covor = carpet( rug

- garderoba = wardiobe bufet- dulap = sideboard l cupboard
~

got!
~

camera copiilor = nursery; bibliotec = book case

:
- pivnit = cellar Iamp = lamp I desk lamp
- cuier mobil = peg l hallstand fotoliu = armchair
-

expenses are low / high

- How many storeys has the

building gol ?

home 7

What about the rent ?

The rent and the management

building

9.

a 93"?

ce chiie plii] 7
v china o cheltuielile de administratie
sunt mici l mari
ote etaje are cldirea ? are patru
v

have renled a bachelor fiat!

- Have you got a !lat of your own?!

..

eram

Gane Street.
..ori the fourth floor, fiat

apartamentul 9

apartament proprietate

acoperi = root; hot = hall intrare = entranoe

salon = drawing room birou = study; camer de zi = sitting
room
sufragerie = dining room buctrie = Kitchen domiitor = bedroom
- baie = bathroom oloset = tollet / Iavatory cmar = pantry/ Iarder.
- debara = Iumber room /box room pod = toti l garret
~

Additional vocabulary (Vocabular

suplimentar)

beg your pardon = scuzati-m

- It's nice of you to meet me = ce drgu din partea ta c ai venit
s m
-

ntmpin
Are we going to call on your family 7
= facem o vizit la familia dvs. 7
On
the other side of
= pe partea cealalt a
.... ..
.......... ..
~ How much is
the !are ?
7
= ct
A

It takes

cost taxa

half an hour
:facem ojumtate de or,
Excuse
this
me...is
the (right) = scuzai-m...acesta
-

wayto...,.............?

spre

.................. J?

este drumul

lam a loreigner / strange! here

sunt strin (din alt tar) / de o

localitate

How can reach the railway station = cum ajung la gar 7

Where is the English Embassy ? = unde este ambasada englez ?
have no idea l l don`t know.
= nu tiu l nici eu nu sunt de aici
l

- unde trebuie s urc / cobor / schimb 7

Where must get on / get off / change '?
- coborati la urmtoarea statie de autobus
l

am a Stranger here myself.

Get ofl at the next bus~stop

taxator, autobuzul acesta merge

spre
Conductor, does this bus go to '7
-

QLEJLELLLEADEE

There`s a lot ol tralic = e foarte mare tralic

- That's very handy
= e Ioane la ndemn
It
saves a lot ol lime = se eooiiornisete mult timp
= lng banc
Next to the bank
- ls that lar lrom here 7 = e departe de aici 7
- What does it mean 7
= ce inseamn (aceasta) 7
- We walk straight ahead lo
:mergem drept nainte spre
hL/Lddvlional

tramvaiul e aglomerat = Tlie train is

packed / orowded.
v hai s
ne urcm pe platforma din spate i s coboram prin Fa
Let's get on at ilie
rear platform and gel of( al the front.

Lgguage skils

must not stop reading Go on

Go on singing don't
stop!
Bob's father and mother have

a continua

This road

dac luati taxiul ajungeti in mai putjn de 20 de minute.

7D

Take trani 3 but you will have to change to the trolley hus 70
- autobuzul numrul 5 oprete aici / aoolo 7
Does bus number 5 stop here I there ?

goes to London

gone out

- a iei (la plimbare

~ a duce la

ora)

He has gone to Manchester ori business ~

a pleca la
The train was going al Ifty
miles an hour circul cu viteza de
Shall we
go by trairi or by car ?
- a cltori cu trenul
Shall we go lor a walk or lor swim ?
a
- a merge la plimbare

ll

IS

TO GO
You

Mateeumaleiwmmtul

you take the taxi you reach in less than 20 minutes

'
- de unde, v rog 7 = Where from, please
luati tramvaiul 3, dar va trebui s schimbati ou troleibuzul

.7

Pal and Anne are going shopping.

What 7 lt`5 already eighl dclock.

'

mu

De !Wing

The sky is very black

a merge la cumprturi
trebuie s plec

lam sure il is going to rain - va ploua

What`s the matter ? Has anything

gone wrong 7
Spring has gone and Summer is here
His room is

it will do you good. you most likely

will replay

s-a ntmplat ceva?

a trecut

No,

~
empty he is gone.
a plecat
When Bob is tired he goes to sleep very quickly - a merge la culcare
a adormi
;

When you meet a person lor the first time, you

say

and he says the same.

When your mother looks at it, she might

say:
'No. Pat. your writing rs pretty bad that won't do."

ce mai faceti 7

nu e suficient

When you have played football lor an hour and a hal!,

everybody will understand when you say
.

When your triends then

a game ol Cricket now:

sunt terminal (obosit)

say. 'Come on, Peter) let's have

20

mi~e bine fr / m simt

bine/ m descurc

fr

Homework (teme)

Read the text aloud several times Look up the words

you don't Know
or cannot remember,
(citii textul cu
vi le

ll.

When your lnend scores a goal at football, you should call

'
"Well done Fred!
- bun treab

done."

When you have finished your homewurk, you might say:

"That will do."
- ajunge

'Ot I'm

thank you, l can do without it today"

va face bine

Exeroises'

TO DO
"How do you do?"

w ti

voce tare de mai multe ori cutai cuvintele pe care nu

;

mai amintii)

Study and

(studiati

use the exptanatory notes into sentences ot your own.

folositi notele explicative formulnd propozitii proprii)

a) Doscribe Mr

Juhnsoifs house

(descrieti casa domnului Johnson)

Describe your own house.

(descrieti propria dumneavoastr cas)
lll. tnvite friend to
a
your house and tell him / her how he can get to
your place
b)

(invit un

prieten latine

spune cum poate s ajung)

IV,

You are invited to a iriend`s house but

you don't know the way
You ask your way in the street
(eti invitat la un piieten i nu cunoti drumul ntrebi
pe strad.)

UNIT

V Make up

dialogue using expressions with Lo_qgand

tggg
(toimulali un dialog lolosind expresii
cu tgggi

).

VI

Tell a story using expressions with t_ogg and

(povestiti o ntmplare lolosind expresii CU 1.03255 E412).

gg.

lnvitation to a Picnic
Bob answers the telephone
and says. " Hello?
voice Hello, ~ this |5 John Speaking ts

Yes,

John, what is

that you\ Bob?"

lt7

Well, Bob, will

you

and Pal come tor a picnic on Sunday

next? My
lather will take us to the seaside "
"Not a nad idea.
Please wait a minute, John l shall
go and ask my
il
will
mother she
let us go '
"Ali right.

"Are you

shall hold on.

Iistening John?

please, what we are

After a few minutes

Yes Pat and l shall come, Will

you tell me,
do on Sunday?"

going to

Now

listen, Bob. Our family will

have breakfast al nine dclock,
so we
can leave al half past rime "
'FIREA

John We shall be at your house half

at
past. shall we bring any
load with us7"
Nu Bob, you need not;
you will be our guests for the day l shall
bring
the Cricket things will
you bring your big ball, please? The
one you can
blow up, l mean "

Very well. But

you will
with the sandwiches "

have a lot to doi John. My sister

cari help you

N !si

u i..

'Not al alt, Bot: My mother aud Anne wnlt do them

hope rt wutl be
(me on Sunday. '
t
So do I, John.
- Thank you tor nngtng and shall see you on
Sunday. Cheeriol '
I

Cheerto, Bob!

Homework

-the seaside

= la malul mrri

not a bad idea

to !told on

=a

tor the day

rmne pe
= toat ziua

lo btow

= a umila prin

up

= nu-i o

dee rea
m_

se

= a se dezbraca
to put on your bathmg
dress = a mbrca un costumul
de bare
to run down to the
water = a fugi spre ap
1 Splash
'" the 'Nam'
"
a

sunare, a exploda

se 3mm?
:= a 3,1013

to swvm

Whois nnging whom

IS

at the

'D HUVESS

tine, a mentlne

gjwwwwl
Whose teleuhone

.You

are
seaside and want to go for a swim Tell what will
us
you do (Use the frst
person svngttlar), The following words witl give
you some ideas:

Vocabulag

to leave the water

to run along the beach
m play i" m& sand

nngnng 7

To whom does Bob speak ?

whvm MSI Bob ask

10

Who will bnng ali the tood 7

To whom will Bob and Pat go on Sunday morning 7
Wimm does Bob thank 'of ngmg 7

IL

= a 5eJ'-'C3 " nisip

=a

se ntinde

sta la soare
= a bea moned
=a

eat sandwlches

a mnca sandwiche un

Now tetl us what

your brother witt do?
He willundress.
.

a iei din ap

= a fugi de~a lungul plajei

"e ww"
Sunbathe

to ctnnk temanade
to

ap

...etc.

Ill. 'Tell

us what

Use

will

you do on Sunday next

'
`

!o ger up
Io

a 59 'm'
= a lua micul dejun

"`

have oreaklasl

to go Io church

come home lor Iunch

to

go to see your lriend

= a veni

acas pentru prnz

merge in vizit la un prieten

a juca jocuri

=a

games
Io go home lor supper

=a

mew?

What do you want to do

il

with?

'

Make p questions now!

you
to

-to hear;

be

- new,
Anne

-to want to have;

to

be

to

neeo-

the best shop for footballs;

to

make toast;

VL

hear~ voice.

Whal m YO 5?
Seaside
One boy or girl starts with the following sentence,
another asks a

ask the pupil,

r
Bob and Pal to go with,
lo ask the teacher,
~
Io

GUESND".

etc.:

Peter Yesterday we were at the seaside

Frank ' What did you oo there?
Paler We went for a swim.
Frank ' Yesterday we went to the
seaside
Robert. What did you do there?
:

washingmactrine ~ good

you

to write a letter with

Example : What do you hear?

to like ~ the water,

Whom do you

505,19

What are you laughing at?

What are you looking for?

questions with the following words (use interrogative

see shoo

Exemple

merge acas pentru cin

r
to ring A Bob;
to

what

a veni acas
= a merge la plimbare

to play

pronouns)

to

lV. Make up

With what do you want to do n?

r a merge la biseric

to come home
to go for a walk

to

see in the shop7

What is in Pats shopping-bag when she comes home?

01 what are you Speaking? What are you Speaking oi?

26

Frank : We played Cricket

,

Robert

Yesterday we went to the seaside.

George What did you do there?
.

27

UNIT 5

Vll After this you

may ask questions with diflerent verbe, such a5.

What did you
see there? (We saw a big ship, )

Whal dm Wu Way mare?

What dm you eanhere?

WM' did you do am me game?

em

When dld you go for a second swim"

When did you eat your sandwiches?

etc
Where were the rugs?
Where was !he ball?

i,

The Black's are having their

supper, Each of them is eating an
Mrs.
Black
takes much salt, but her husband takes
egg
even more
Bob takes very Iltlle salt, while his sister
Pat takes
Many

even less.
people take too much salt, while only few people take little salt.

A little girl

asks her mother: "May l have

sume sweets, please?"
Her mother replies Sorry, dear, l have noi
got any If l had any,
should give you some." The girl is
very sad and asks "Aren't there
left?
thought we still had some left over from my birthday party "
any
No, dear, you and Jack did not
leave any when you were at
them on Sunday last."
Oh, what
a pilyf the child says. After a
moment she asks 'Mummie may l have
some money then?
What could she want that for?
:

Homework

xemises:
Make up little stories like these two and
use as many indefinite
pronoins
as possible. Use much, many, little, few, all, some, any,
each, evely, one, another,
no une, Iiobady, none, nothing, Somebody,
I

29
2X

someone,

something,

anybody,

'

everyone, everything, etc

Il,

anything

Replace the spaces with

Hand me......

anything_

anyone,

some or any

'

notepaper. please,

i...

everybody,

have not got...,.

De

lor me Have you got.... money? Do tell

so good as to do..
il you need
Let me know ll you want....
me
..

Some time ago, Anne spoke Io hei friend ori the telephone; ol
course, lier trieiid then also spoke to Anne

Translate into Romanian the senlences '

something or

Have you
in
gol .. ink
with me, lor l
your home? There must be.
wrong
l
seem to target everything Ialely Up to now had rarely torgotten.,
.

c)

Replace the spaces with every or each.

Today one can see British ships in,..... part ot the world There
are ships of the Royal Navy and oi the Merchant Navy (Hota
comercial).
navy has a tradltion ol its own, going back to the
seventeenlh century, Since then,.
century has seen many brave
deeos (lapte) done by sailors oi both navies.
British ship !lies the
Union Jack (drapel), and., sailor is proud of lt.
lII.

either nr l rieitlier
-

This is either my pencil or yours

No_ it is iieitlier
yours iior mine; it

IV.

another.

Make one sentence out or two Use

each other

Mary saw Pat yesterday. Pat also saw Mary.

Mary and Pat saw each other yesterday

a) Bob hit Daviu. David hit Bob,

b) Fred

helped Sally, and Sally nelped Fred

or

one

t5 hi5,

Have the two girls come yet?

No, neiiher Mary
nor Anne has come.

as well as
Does this tiioycle belong to Jane 7
No, it belongs to her sister
as well as to her.
He is a last
runner as well as a good tootballer.(lootoallpiayer)

John as well a5 David

- nor

will

come tonight
as far as

As tar as l know lie does not smoke.

He is all right
as far as liis knowledge of English goes.

as soon as

As soon as llie teaclier

came into the room, ilie class was quiet.
We went into the house
as soon as it begaii to rain
As long

as long as

as you are quiet, you may stay in my room

They were very lielplul as long
as they were young

,ltl

3|

as ulten as

As otlen

sweets.

Jim played with us

Hoinework

Exe/cises:

as she visited her grandmnlher, she got a bag oi

as olten as we played Cricket.

I.

M aka

vocabulary.

9-2-1:-

"p

semen 0' YOUY

OWH

with each o! the wgd5 h,

me
-

Make up sentenoes with each u! the above ptuases

II.

Change a Letter
One letter makes all difference.
ln the following
words, change
one letter and you will get
a new word e g horse house
'
1
Mouth
hm(
health
shue
good
bread
Eve f
EEF
ate
store
nde
sing
N ow
sure
tell
name
wet
II.

PART C
,
t

Vocabulaq

Travels

Last year lie made the juurney lrom London tu Manchester by train
She Iell Sauthamploit last Monday un a voyage to South Africa.

sh
|

We had a woneriul trip lo the sea un Sunday last

Last summer my sisler and | went nu a tour ol the Lake District.
The !light !tom Dsseldori to Londun look less than lwo hours
.

Last week-end my lather took

juurney

voyage
trip

tour

ustura drive in our

C3l
L

lGod

an d

guess

new car.

Sklft

sone

SNP

C03!

h0|

boot

see

time

iam

snow

"U

lather has many horse-s

house

circuit

!light

_ _
calatorie
cu avionul (zbor)

drive

cltorie cu maina

l_
- W e ive

ina beautiful h cum'

33

33

.
tll

these

hi5

>

- My

Rainer

s l One
bear

Eng

Make un sentences with

each meaning.
eg. horse

excursie
_

Sel

m'

III.

cltorie

- cltorie
-

1]

bush

.
list

mess
book

meat

UNlT

PART
1

Ianslete the seriteiices and

uiideilineu:

Make up

ll.

here

is

a Jet in the

He looks a nice how

(ma)

SKY'

Mr.

(arm)

'Ji'

mad'

li

school
Barbara looked after her

dog very well.

When he Ielt the house he never

B o b an d Pal are
(a se bucura) A_
friends,

looki

(a avea grij)
(a iigriji)

liislhA

Smlth has a car, he took his children and their

triends to the
seaside last summer. Boo and Pat like swimming
very much John
had invlled them. When they got to the seaside,
they went into the
water al once ; it was not very cold Boo began to splash
the girls they
did not like this ai all. Mr. Smith
was reading a newspaper John asked
him where the big ball was, .John tounil
the ball it was under the rugs
In the
car. The children played with the ball for atiout hall
an hour it
was a nice toy.
;

(caut)

the zoo always

Pat and Kam, Dpligl): the map ol Great Britain. (caut)
rig_a_l .lohn's kile.
(59 *m m)
george is
Mrs_ stack
her children wheii lheY 'en me "M59 fm

The hears

in

(a 59

mwame)

to the visit ol their German

Exemple

Mr.

Smith, who has a car, took his children

and their
friends to lhe seaside last
summer

(a veiiiicai
`lhe teacher looked "Inimii Bob`s homewoik.
wanted-loga look
(a vizita)
They
raw Ilie airucrt
Bob looks ug Johirs number in the telephone book (3 Cma)

'

Exem/ses .'
I.

I|.

34

sentences with dillerent uses 0119395

Connect the following sentencos with a relative

pronoun
whenever possible :

TO LOOK (a prtvll
Lookl

Exemises

the meaning ol the words

liiint

Hom ework

had).

PART B - Shonenetlsenlences

My friend

goes to London every year, and so do l

His brother wrote a letter last week.
aud so did lie
Speak about !he sanie thing done by dif/elen!
persons.
We have a good lelevision set, and
so have they
Bot) had tine bike,
a
and so had Pat.

Speak about the same thing !Iiat different

persons have (ar

I|l

The boy`s bicycles

are not particularly clean, are they?
Continue and make
up sim/Iar senlences

must change lrom train io bus, and so must John.

He rnust eat up his porridge, :md
so rnust you.
Speak about ilie same thing dilrererzt persons musl da.
IV.

a) 'Who opened the window?"

l Mrs. Black
4

- "l

'Do you understand thisT

'Did you follow what he said?"

did."
"Yes, du."
I

"No, dldn
I

has a new handbag, hasnt

she?
Bob and Pat have their Iuneh
at school every day, haven't they
Mr. Black had
not got a new car, had he?
The girls had not
gone lor a swim in that weather, had they?

Cont/nuc!
b)

She does not run a5 last as he does.

You knew him better than | dir-L
1 hey answered his questions better
"ia" We 'M-

c) 'l like the

didn't."
don't."

seaside.

He always
goes to a football match un Saturdays. doesn't
he?
She land the table !or breakfast. didn't
she?
You didn't take the
early traln, did you?
He hardly walks at all,
(ines lie?
Continue!

"So dol."
'rm sorry l don't
'We went by train. - "So did she." I'm alrard she

'They preter the rnountains'

Make up mare serrlences like those

d

Exergses
I.

TEST

,
55

"So do we."

In a). D),

Her truck is very pretty. isn`t rt 7

These are beautiful flowers, are lhev?
This story is noi very exciting,

5"

"We

lll. Add

the shurtened question form to

the following sentences:
Aunt Mary wrote us letter,
didn't she?
a
Unele George
speaks English very well,

C)

Your bicycle

has a punclure,...

These oranges are very

sweeL.
Thatjet is not very fast,...
John hasn't bought
a new cricket bat.
Your fountain~pen doesn't
write well,...

Mr. Black is

a careful
37

.,

.. ..

PARTC

Education

Vocabulag

Additional Magnat

What happens here?

A5 ir happgns
.

. guege
schgg]
. grammar

-to graduate

'

ce se petrece aici?
.din Intmmae / aa cum 5g inrmpr
colegiu coal superioar

(from)

gqmnazru dagid cel, C|a5rc

a~i lua

diploma de stat! a absoivi

-He graduated rrom the University oi lasi (Jassy)

Universitatea din Iai.
- licentiat I

- graduate

'
r

A absolvit
i

absolvent (al unui institut sup.)

- junior
-He is myjunior by

'

'-Whatsubjects are tarrghtin.............................7

_liceu/week secundarwu cls_ 942)

III
- mai tnr; student elev in an.
sau IV

high scnom

ce te! de Institutii ue invtmnt exist? ~ What klnds of

educationai establrshments are there?
- care coti sunt obtigatorii ! care
Which schoots are
GCUNENVB
COITVPMSUVY
and Whd' oriliunal?
'55 i " mvimam P'e5'3'7 ' '5 'he's ?'50 FYESCNDU'
educalim' 7
ce materii l discmne de smdi" se mda 'am
-

Homework

three years, he is three years my junior.

(e cu trei ani mai tnr dect mine).

senior mai in vrst

- senior

Exgm/sgs;

rpesribe what are the steps of your education

She is three years senior tu me - e mai in vrst ca mine cu tre:

- whalsoever

using the

5"'
orice,
indiferent de (ca intritnr al
oricare,
-

words of vocabulary and additional materiali

unui subslanliv sau nronume). de vreun le!

n. Make up a dratogue (5 a questiomanswers) wrlh the help of

voabmay and me addimma] marenal_

He has no chanse whatsuever - nu are absolut nici o ans

~ ortografie. scriere
sau scriere liter cu liter
- spellrng
training
r instruire, pregtire

- compulsory

obligatoriu

38
39

UNlT 7

Pmduceli

ECONOMICTOPICS
lndustr e
M5
-

Industg

infereseag...

I`m

industria grea
Industria

maini

constructiilor de

- industria ininier

machine building (industry)

ininirig

industry

- light industry
- oil industry

'

Can we visit...
a factory (mtll, plant)

- o fabrica (uzin)
- o uzin metalurgica

o uzin de avioane
un antier de constructii
- o rafiniie de petrol
-

a metal works

an airplane factory

a building (construction) site

- an oil renery
-

- o min

o central atomic
- o central electric
- o fabric de textile
-

-o

- Chemical industry

-industria uoar
- industria petrotier

_item v

inferesledm the..
..
heavy industry

industria chimic

a mine

an atomic power station

- a power station

a textile factory
a synthetic fibers plant
- a printing house
-

fabric de lire sintetice

`

- o tipografie

........ ..
aceasta

Unitatea

este
automatizat in intregime?
Care sunt ultimele metode pe
care le folositi?
Ce alte maini utilizati?

din

Do you

materiale plastice?
Ce fibre sintetice produceti?

plastics?

make a wide range of

What syntheiics hbers do

you

make?

Putem vizita nite ateliere?

Ce capacitate au?
Ce reprezint acest
(aceast diagrama)?

site?

Do you also use pretabs?

Could you let us have the
catalogue of these products?

putea s ne dati catalogul

acestor produse?
produse

What other machinery do you

When did work begin?

prefabricate?

multe

use?

Is tliis a housing

Ai

Fahricati

What are the latest methods you

use?

Acesta e un antier de locuinte?

Cnd au inceput lucrrile?

Utilizati

is this unit fully automatic?

Could we see some of the

shops?
grafic

What is their capacity?

What does this diagram shows?

Cu ce combustibil funcioneaz

What fuel does this engine

use?

acest motor?

What other types of engines

uuld we see?

Ce alte tipuri de motoaie putem

vedea?

40

4l

Exercise:
Cnd a lost construit aceast
fabric?
Ce produce
(tabricrl

acest

Primiti

comenzi

multe

When was this tactory built?

What

uzin

Ci muncitori
v

inacestuzin
peacestantier

Cum

e organizat

get many orders !rom

abroad7
What raw material do you use?
How
workers
many
are
employed ..7
....
- in this plant

lucreaz......?

protectia

on this site

How

muncii?

is

Iabour

protection

l.

day?
..

We would like to talk to the ..7

director

- directorul adjunct
- inginerul (ei)

WHAT

deputy director

(chiel) engineer

On the importance of Learning Ennlish

ARE

THE

WAYS

iN

WHlCH

SCIENTIFIC

There are three ways in which scientilic information may be

acquired :
by adequare translation
2,- by persuading scientists to publish their work in
the betterknown languages or
1,~

3. tzy teaciiing

How many hours do you work a

INFORMATION MAY BE ACQU|RED7

organised?

Cte ore lucrati pe zi"

Am vrea s voroim cu
- directorul

PART B

Do you

strintate?
Ce materii prime utilizati?

use the words and phrases list

does this niill (lactory) turn

out?
din

Imagine two dilierent themes oi dtalogue on economic topics

scientists to read loreign languages.

be acquired: a obtinute
adequale = corespunztoare_ adecvat
to persuade, d, - d = a convinge
to

ti

better- known
Il

= mai bine

cunoscute

ARE TR/\NSL/\TIONS

THE BEST SOLUTION TO THIS

maistrul

PROBLEM7

workers

loreman

muncitorii

'translations are not always accurare and sometimes they

are
Iiopeless/y obscure 'ilie scieiitilic vocabulary is now
specialized
so
that it may be uriiriieI/igible but lor the specialist,

Ct castigati pe lun?

How

Cum sunt organizate asigurrile

How

sociale?

organised?

much do you earn a

mountli?
is

social

insurance

accurate

: precise
43

42

Iropefessly obscure =
complet de neinteles
i!
may be uninleIIigib/e bul for the

pentru toti, n atar de specialiti

scienlis/s = poate

li

de neinteles
UNIT 8

Pre are for Testin Your Knowledt e

lil.

iS tT POSSIBLE TO TRANSLATE
ALL THE RECEIVED
TECHNICAL DOCUMENTS?
is quite impossible to
translate all the received documents
il
Thus is not possible to keep
pace with the latest discoveries only by
translations, ln this
case even translating machines are not of great
lt

use.
to keep pace with

a tine pasul cu

IV

WHAT IS, THEREFORE, THE

BEST WAY OF GETTING
"
TEcHNicAt INFORMATON?
lt

is a great asset for

any engineer to be able to read foreign
technical publlcations in the original.

asset = avantaj, valoare

Do you need a foreign language

only to understand or get technical
information?

Exercise

Answer the question

on the importance of learning
a foreign
language taking
as a motto what a great philosopher used to
say:
'The knowledge of a language is
another weapon in life.

weapon = ami
(6

10 sentences)

Section

Review all the exercises lrom units

to 7.

Make sure you are able to make up different dialogues.

Section B
Use the explanatory notes into sentences of your own (units

7)

Make up a story (max 10 Iines)

units

Section

to 7

- on one

to

ot the topics covered by

Give details about the region you tive in train

an economical point
ot view (use unit 7).
You're interested in an industrial Objective
- Ask your partner ali the questions
you want

questions), (Use
44

unu! 7

as a guide)

ari answer to (10

UNIT 9

Essential Toglcs in Finance

tor the Manager

You're invited to
A

finantelor

'

-Visit soma lriends

a)

A Picnic
C To Party
a

D To the iheatre
(Chms
m Pic from A to D and use your Knowledge
to
3509i?! .the invitation (5 7 question answer
vorm) and in
,eruse me
i"V"3" (5 7 question answer
torm))
II.

A dd

the stiortened question form to

the tallowmg sentences
Model: Aim! Mary wrote
us a letter, didn T_511g
-

H9 @MHYS

take the earlytrain,

"L A5*

YOU!

A .an
B.

C.

..

.. ..

partner about an industrial obiective

o Raportul linanciar

How to Read anu Use Financial

Citirea i utllizarea iaportrilor

Reports
b)

lnan ciare

I Finance investments

investment

Decisions,
Strategic Planning

and

c)0 Raislng Capital

d)oDerivati've

Products

..

e)

o Investitii tinanciare:
Deciziiiplanilicarestrategic

and

o Produse derivata i
inginerie financiar

l)

o Economia Ratei de schimb i

a Ralei dobnzilor

-EXCHANGE-RATEAND

ECONOM|CS

TOOLS AND STRATEGIES

v 5 question answer form).

Mrire de capital

g)tRiSK MANAGEMENT'

a power station

*o

Financial Forecastirig and

Decision Making

lNTEREST-RATE
.

airplane factory

an oll renery
(Choose one o! the 3 topics

Financial Reporling:

Financial Engineering

goes to a football match un Saturdays,

She laid the table fur breakfast

He hardly walks at all,

_7

You didn't

Subiecte fundamentale gentru

administratorul din domeniul

Previziune

financiar

procedura de decizie

Strategii

mijloace

managementul riscului.

iri

h)

I UNDERSTANDING

o sA NELEGEM
RAPOARTELE I CONTURILE

COMPANY REPORTS 8ACCOUNTS

1.

Basic Accounting Principles

Prolt

B.

Loss and Balance

Sheet
3. Cash-now Budgeting
and
Management Accounts

UNEI SOCIETTI
1

5 Breakeven Analysis and

evaluation

3.

manageriale
Propoqii (Evaluri) financiare
de baz i analiza
problemelor sensibile (puncte

sinonim

nevralgioe)
5 . Analiza i

evaluarea ln cifre a
egaiizarri prolt / cost

essential
accounting principles

profit (s)

ioss (es)
balance sheet (s)

cash - flow

Pian de investitii, alocri

bugetare i planuri

Vocabulag notes
basic

baz

2, Profit& Pierderi i bilan

contabil

4, Key Financial Raiions and

Sensiiivity Analysis

Principii contabile de

pierdere
= balana, bilan contabil

loial

= bani.

numerar
= a ncasa, a schimba in bani

(un
=

key linaiicial ratios

senslilvity analysis :

the

money left
available lor investment alter
(teduclions lor salaries, rawmaterial cusis and financial
charges are made

casti account

= prolit
=

dividend distribution

casli
to casli

de baz, fundamental

= principii contabile

/evr

ilie amount oi net income

laxaiion
but
belore

caci a plti in numerar

com de cas

proporii

linanciare
indispensabile, valori linanciare
de baz
analiza problemelor delicate,
analiza punctelorsensibile
=

breakeveii analysis

analiza egalizrii profil/costuri

uvaiuation

evaluare l exprimare in cilre

acord comercial

:trade agreement

acreditw

:letter of credit (L / r:)

act de cesiune

:transfer dead

act de comer

business lransaciion

- activul bilantului

assets

Exarcrse vor!! vocabulary usi/n: the terms

your need from the list a;
IV
gaini
t.

Il.

Name some essential topics

Why

IS

lor a manager 7

the knowledge o!

lll. Explarn

In

finance

bBSIC

lriranclal rniormation important

actiune de garanie

dividend share

aciuni simple

equities, equity shares

agent de burs

stockbroker

balan de plli

balance of payments

bonitate (a unei lirme)

reliability

burs de valori

stock exchange, share market

calcul economic

cost analysis

a menine eficiena

to maintain eftectiveness

3 sentences the information a manager gets

from each ol the topics lrom a
-tn h.
rn

IV. List of

tenns:
medie

abatere
standard

mean deviation

standard deviation

acces pe pia

entry into the Inarket

achitarea dobnzilor Ia

service of a loan

un mprumut
-

acoperirea importurilor

export- import ratio

a acoperi riscurile

to cover risks

TIH!

Arab Bank Group has around 400 cmc!! wnndwlde wllh balance
!henl
a
01 US 5 26 hllliuu and deposits of US S 17 billion
Enhance
sheet as c131 December 1995 und 19s&

SE

m,room

us s

C15" Ind du! !mm banks

Funds WIM oenlmmznks

4 624 3GB

2 D02 D62

Gavemmzul senurinzs

7111111111;

nwnlres
Lunus nm! amanat& ne(
Law Imn Iwesmenm IIEK
-Fmed
Issels. ne!
Omar Issels
Tau! !SIE

765

Nu mmm: .m1 Commission

Nel mnzesunaeommissim

2 D27 112

191 574

175 n23

552 407
1g
653 H3

II

e n75

5 555 m4

43s

177

'

mm

'au va.,
\

n53 714
5

57s 479
au 166

Remned eammgs nmuunx Iolwam

'KD

M5
2g.,
'14

e51 am
9W
sau asz
4

slaunoly reserve

27 255

Plus cxnenncome

44 202

3a oau

42 451

n11

51|

515 417

321 537

317 212

74 592

24

42 e47

5u 421

717

97

LVABIIVYIES

genera! reserve

5171111111115

mnca Imwnld

wc SHAREHOLDERS

`'

acum

1177

52 357

14 D95

2D 735

44 143
7a

45 19s

z 245

217 55?

1m

mesa-w_

12 n57 133

Bank 112905115

3 235 77|)

"'"'5'"5

J 46|

25 529

m
45 274

B 35"

m "wmms

17

257

D07

333

44 221

m "'i""'5

'

7a

7 E33

pmmsen drvidendsund mmuuumlwns

"`

BED

13_ 475 373

Cusmmars napnsus

` "'

as:

ro vmunlnry reserve

Rclumnd

2 22v
725 no:

Z2 549

Pmposcd cash urvmznds

ura-mms* mmunnnunns

sa 5:5

Plus Fmelgn exchanuelradlng

223 e33

227

m "r""="""
`

225 e07

Ta restu/ES Vll"! ussnnlaled wmpunves

2: a5 92s

22: m

2 245

7mm

1211

511 324

13mm am! anminmuunve expansps

Nel name

MIT !i55

54s 3:3

pmvmon

ss

m::

s::

2 D28 655

22s sn7

AFFROPRITION

12s am

a 232 n17

:s 72s :sa

'mms' m

Less. Pmwsmuomuumvulaenns and

'uvcgmgms

121

a 572143

income statement vor me year ended

31 Decumber 1959 and 1996

le

702 350

1nd nmer nonlmuenuzs

TOTAL

cummlsnon mame
Less Inlnms\ expense
commmm" Expense

7 "5

a4 474

u.: mcnme

us ruom
I 46|) 703
1

19W

Innamn lux

m.
s

71 e39

Cusomers' mumy un guaranlees,

Ianus a1 17121141

4m

N" inm!" Wor- hx

65"
1

m i"___
33 415

Minnnly interrsl

30 995

srwzenouzsns' Euulrv

1992

camlal
Slululory reserve

145 937

1a 937

12s 1741

m4 392

Volunlary

resme

25s 553

Genna! reserve
Resrwes wm\ nssnclalzd cumpanies

032 951
37s 1795

Renameu eamrngs

7 n33

53

191m

"

245

ms
m5 554
353 am
2

2451-"

income (5)
ma'

Tnnsiniion Idwstmunts

(75 i559)

otolshllalmlneis ouuiiy

t n04

Tainillalilhies, Iriinonty interest anii

is asa

5"'""`''s' "W
wmmanugs
lll

m*

in

5 i555

am

11 SIS B2B

Sister Suhsiding and Associated Comganies

@noua
(Swiuavlnmniuncrncencva

Arab Bank

tunat
866%

imw.

Ambumm" Bmkquns

Oman

Lebanon
..,.,.5,pm ,,;,._5,.

datorat, de plat,

30%

A 8.

platibil, cuvenit,

dues

care trebuie sa soseasca

= cotizatii, taxe, impozite
security-g securltlesl Iiahility = garantie, responsabilitate
_

guarantee (s)

d eposi_l (s)

m.

Vocabulag note
Due

mandat, tuncie

insusire, luare, preluare, bani alocai, sum

=a

337,

Lebanon

to bring forward

garanie, cauiune, ga), amanet

parts

il.

pune in lumin, a prezenta, a infia,

a voma a ,econanda a raporta a ace

49%

mu; insulina: Co

= comisie, imputernicire,

09771530"

In*

Saudi Atlbta

Cnmmerua\ auiiamu Co

u*
555i.

mu Palestinian investment am _ Ramallaii

declaraie

alocat

ian-x.

Aubinvesimeni Blink-Beirut

Ewnmm

= cheltuial

appropriation

IMM

isiainiciniemninnumnuHanI~Jeidan

expensqs)

PERCENTAGE DF OWNERSHIP

am
.
Arab
am AGvFmnkturLGermany

AFI!) National Bank

Commission

iam.

Orrln Arab Bank

procente, investiii, cot parte din,

proprietari, acionari, iinanatori

= calculare a dobnzilor, cont de dobanzi

interest account
sfalemenns)
A

An!) Elnk Auslilka ~ Sydney

Arab
(Austnn) ne Vlailni

754 n55

\u :i40 ces

25 729 290

ARAB BANK

avantaj, prott, foioase, atenie,

pasiune, importan, valoare, punct de
_
auacle' aspecl 'mmesam' doband '

ma)

im

6 D76 i77

Guummeos. Ialturs ai mda am! cinei

'm'
(46

m 49

= venit
= interes,

interest

_
_

zacaman sed,imen , strat, d epozi, d epunere

073|" dEPU 'a bam)
Hnmework
,

With the help oi the vocabulary notes, the list of terms irom
8 and with a dictionary -translate the balance sheet.

Make

sentences

the meanings oi the words. due,

__
security, iiability, interest, CDITtmISStDn, to bring loiward, depasit, given
"7 m9 VC3DWEVY "mes
with all

55

UNIT 10
"ROBEVCO

in

Vocabulag notes:

BANK MAKES MY MONEY WORK HARDER"

When you open a Personal Investment Account at Robeco Bank

Geneva, you'll delecl a rare quality,
You always know precisely what
we are doing
Regular reports, market overvieE, telling insights into

engggim

trends alillhese services go hand iri hand with

as much input lrom
your personal account manager as you
gm necessary,
Privileged investment information

We

your needs, then help you assemble a portlolio of

investments, covering the world's equity, ggnd, property and
money
markets. which perfectly matches your requiremerit for growth,
security, and liquidlly.
as_s_s_s

personal Investment account

cont personal de investitii

overview

insight

sumar, scurt rezumat

= analize, explicaii,

cunoatere aprofundat
= a aprea, a se ivi

to &merge (d)
to deem (ed)

= a socoti,

w assess

= a stabili, a iixa,

(eu)

a considera, a crede
a evalua,

a aprecia

to cover (ed)

bond market
bond (s)

= piaa ohligatiunilur

a acoperi, a apra, a cuprinde

a ingloba, a asigura

= legtur, relaie, obligaie,

datorie, obligaiiune, gaj.

An

investment of USS 100,000 in Robeco made in January 1987

was worth, with dividends relnvested, USS 264,600 by end December
1996, Such is the calibre of investment advice
that will be working for

account- opening package

garantie, bon, ipoteca

= set de documente necesare
pentru deschiderea unui cont.

you

And, since Rooeco Bank is a duly

registered Swiss bank, the
condeniiality and security oi your

account are assured,

These are only a Iew oi advantages of Perscnai
investment
a
Account al Roheco Bank
lwould like to open a Personal Investment Account. Please
send
me an account- opening package,
56

Homework
I.

lexl

Use the vocabulary notes and a dictionary and translate the

Homework
onal Vooabulag

Ad

l.

Banii. Schimbul
Este vreun birou de schimb prin
apropiere 7
Alturi

schimb

se alt un birou de

Care este cursul 7

V rog s-ini schimbati
Nu am miunli

Am numai hrtii (bani) mari

Am....o bancnota de 10 lire

Many. Currency exchanqe

It.

have a tenepound note

Vreau.,

you write out this cheque

Iaundering

The move is one of several initiatives planned by a newly

formed Swiss US joint economic Commission aimed at defusing

'7

possible tensions between the two countries. The Commission,

backed by both govemments and private sector representatives,

want ID.

cash some traveller's cheques

has been set up following the international cnlioism ol the way

Switzerland appeared to have proted from the suilerings ol
others during the Seooiid World War As a result of the

cltorie
-

s depun nite bani

put

s ridic nite bani

draw out (withdraw) money

in

Read and translate with the help of a dictionary:

Switzerland acts with US

Switzerland, home oi the world's largest private banking
industry, and the US are trstep up their fight against money

What's the rate oi exchange '7

Please, change.
haven't got any small change
have only large change

talk to a bank manager about his bank;

ask tor information about opening an account,

door

Will

s incasez niste cecuri de

there an exchange oftice

anywhere around ?
There's an exchange ofce next

Vreti s completati acest cec 7

-

make up a dialogue on the following topics' (5 question ~ answers).

visiting a bank lor changing money;

Is

Use the vocabulary notes and the additional vocabulary to

(depasit) money

controversy, in 1998 the Swiss banks agreed to pay $1.25bn to

setlle claims of Holocaust survivors,
.

Can you say what money Iaundering is?

An example oi an explanatioii may be'

59

'Hanks may be used as intermerliaiies for the transfer of tunds

denved from criminal activity - in order to hide ttie source and
ownership of-money This is commonly referred to as money

UNIT 11

laundenngf

State some criminal activities

as sources for money laundering
activities. ( robbery, terrorism. traud, drugs )
V. What is ttie duty ol' a bank?

PART A - The Loan

lV.

( aopltcation of principles
deterrnination of the customers true identity

veritying new customers

business should be conducteo by laws and regulalions

cooperation with Iaw-entorceinent agehcies)

VI. vocabulary related to the word 'bank'
~

bank account
bank charge

bank credit

Dankefs order
hanker`s paymenl
banking information service
bank interest
bank statement
Make up sentences of your own with the words listed above.

Allow

us to present what is surely the most nexible business Ioan

available on the market today.
Namely, the Lloyds Bank Business Loan. With

as

little

as 2 2000 or as much as 21

million. And it

you can borrow

also offers you a

it

choice ot repayment options no other bank can compete with.

Repayment Loan
lf

you opt tor a straight repayment loan, you can have up to 30 years to
pay il back. And you may also plump tor regular inonthly or even
quarterly payments, whichever suits you best.

Endowment Loan
You

can take advantage of this unique option when the term of your
Ioan exceeds ten years interest is payable throughout the whole term.
while capital is repaid with an endowment assurance policy. It usually
Ieacts to a healthy cash bonus at maturity. No other major bank offers
this

Ftxed interest
There's a simple advantage attached to the fixed rate option.
you to budget precisely when foreoasling your cash flow

It

allows

Variable interest
On the other hand. you may well prefer an interest rate at an agreed
percentage above our base rate.
61

Additional vocahulag:

Fixed or Variable interest

What's more,.you can switch !rom a tixed rate to a variable rate or vice
versa every five years it you so wish without any charge whatsoever
Capital Hoiiday
From the outset ol the Ioan, you can deter capital repayments tur up to
two years while your cash (low grows ever more favorabte.

!<5

Ioan (s)

on Ioan
to Ioan (ed)
Ioan bank
loan office

hall as much
not hall
hall and half
hall'

jumtate, nc ojurntale pe atta

= nicidecum, da de unda

= pe

= incomplet, parial, insuficient, in prti

egale, iumtatequmtate, pe din dou

= frate/sor vitreg()
= tarif redus (la bilete de transport

hrotherlslster

hair-rare

jumtate de bilet)
"

half-speed

= vitez

half-time

= repriz (sport)

lupta

-to work hall time

= muncitor cu

mprumutat

imprumuta, a da cu mprumut
= banc de credit
= cas de mprumut (pe amanet)

half time worker

jumtate de norm
jumtate de norm

= a

Words exgl

eg in English:

?WWW (Edi

= to furnish with an income, to turnish

with a

permanent source of lounds tor

example !rom investments

Definition :

le-

The borrowtng of a sum oi money usually at a staled rate

ol interest tor a specific time, either tron-I a bank, a business, an
individual or the govemment
The loan (the amount borrowed by a customer) is usually
~

debited to a Ioan account and credlted to the current account.

- 'the Ioan !S repair! by regular transter over an agreed

endowment insurance

(to turnlsh

- The

beneficlary

that period.

interest charged may be quarterly or half-yearly.

= trimestrial
=

semestrial (manual)
62

-to provide ~ to credit with)

insurance under which a certain

sum is paid to the insured at the end of
an agreed period or to a specified

= life

period

quarterly
haIt-yearly

redus

= imprumut

63

if the

rnsured dies within

insurance or Assurance?

PART B

Frequently the word "insurance" and assurance are used in the

i

same way.

The answer to the question about the difference between

An insurance policy provides
insurance and assurance is quite simple
against a risk. Il protects you trom a loss that you may or may not
theft ur by Fire. or damage
suller, such _as the Ioss of your property
by storms or Hoods A iile assurance policy provides against "le
will
never
possibility ol early death, but there`s nb possibility that you
die\ Sooner or later the company will have to pay the money. insurance

is
oovers a risk, a possibility; assurance covers what a certainty
= the beginning, star\
ouqseqs)
= to delay, to postpone. to put ori
to delerlrnart)

ll.

Learn your vocabulary.

Read the text several times and then translate the text into

Romanian.
tit. Exptain to your triend

Alternatively, stepped repayments may be more to your liking. This

way. you can gradually increase the amount you pay over the lrst two

years.
Early Repayments
Should your business perform better than Originally forecast, you're

iq

to repay part or even all of the loan al an earlier date without

giginq any
and also without incurring additional cost.

@e

dialogue between a customer and a bank clerk on the

subject* loan. (6 10 question answers)

IV. Make up a

More Than One Loan

take out as many loans as you require, be they for individual

assets or complete proiects.
You cari

Accident and Sickness Cover

Should you, your partners or your key directors he prevented !rom
working through Lrmijy or illness, Loan Repaymeiil Insurance buys

valuable time by meeting repayments as they Laildue.

what a Ioan is and what options a bank may

oller.

64

The Loan

Stepped Repayments

Hoinework:
I.

Death Cover
This insurance also

the event of the insured persons

death, the whole outstanding balance ofthe loan is cleared torthwith.
The invaluable protection afiorded by Loan Repayment

sees to

lt

that

in

Insurance is available at set rates on loans up to f. 50.000 and for

periods ol up to ten years
65

Homework
However we`d be quite happy to oller you individual quotations

on any other loans.

Vocartziulay notes:

to increaseld)

to be entitled to

to glve notice
injuri/(ies)

Learn and exercise the vocabulary notes

with all the meanings given ln translation.
I.

to cteaqed)

crete, a intensifica
ndrepllii Ia/s, a avea drept

= a spori, a mri, a
= a n

asupra
= a anunta (de obicei in scris)
= ran, leziune, vtmare, jignire,
otens, Iezare moral, paguba, dauna,

We know that a Ioan always needs guarantees. This back up may be

a
policy ct assurance. Any Iile insurance contract is a policy of

assurance.
Make up oialogues on the following topics - after learning the
additional vocabulary too: a) Credit insurance
Il.

b) Group

a deveni scadent
= a da gre. a nu reui, a eua
= remarcabil, de seam, important,

torthwlth

quotatlon

c) Llle

vrednic de retinut, nerezolvat, in

suspensie, neefectuat, neindeplinit

curata, a evacua, a elibera, a risipi,

a ndeprta (bnuieli de exemplu), a
clarifica, a Iimpezi (o chestiune), a

=a

plti, a achita (datorii), a lrnuri

by making up sentences

Conversation:

prejudicii, nedreptate

to lall due
to tall through
outstanding

:imediat
= citat, deviza,

cot, curs, licitatie, ofert,

cerere, solicitare

insurance

insurance

Additional vocabulag:

'"5'3"E Policy
insurance premium

institutional investors

a document which is legal evidence ol the

agreement to insure ~ usually issued at the
time when the contract is made
= the agreed sum to be payed whether in one
=

amount or by instalmegLs (tranches, or parts of

a debt repaid at regular or irregular intervals)
banks, pension funds, investment trusts
and insurance companies

credit insurance

a means o! insuring the payment nl

commercial debts against the risk oi
non-payment by the buyer because of

insotvency,

oilor some ale?

IGBSDH

to
a depasit by a customer o! a bank
ensure that sufficient funds are available
to meet a debt due.
= members ol a company. business

UN 12
PART A - Commodlv Risk Manaqement and Finance
`

cgvgy

group insurance

organization or prolessicnal Organisation

HSUTHHCE*
can obtain better terms ul

particulary Iile assurance. Why?

Because a) savings in administrationcosts
b) life expectanCY 0' 0913i UWUPS Filat' One" '35

@nknjiggiy-linked financing ofters great promise to developing

countries that are vulnerable to sharp fluctuatiuns in the prices they

received lor their primary commodity exponsl Widely used by industrial
countries, private markebbased risk management practices are little
know in developing countries. This study reviews these financial

instruments and shows how they can stabiliza revenues and exgenses,
make debt servicing more reliable, improve creditworthiriess. and
facilitate macroeconomic management,

higher than normal

Terms exglained in English:
cnmmodlty (ies)
to stabilize (d)

something useful or valuable, an

article of trade or commerce
= to make slable or firm, to hold steady,
=

to maintain the stability, to limit ltucluation,

to establish

revenue (s)

a minimum price tor

income derived from any source.

especially the annual income of a state or

instltution

revenue account

an account showing the income ot a

company and the expendlture cnargeable against it.
=

6G

B9

PART B

reverrue experrdlture

= tlre payrnerrt of

charged

revenue reserve

expense (s)

fo

expenses

which

are
the profit and loss account

surn which tras been built up oul of

tavourable profit and less balances in

= a

previous years
= money spent ln ttre (tarta-day operations
of a business entrty. a payment of money.
for tax purposes
a legitimate amount that

l.

Translate the Following tests into Romanian'

a. Stock markets are unlikely to be given any relief this week as doubts
are cenain to persrst about the rate at which the Federal Reserve is

stock

the money or goods invested in

trade, manufacture, banking. government
Securities, a share or shares in a national.
municipalbr
other debt. the capital ot a
= capital.

may be deducted trom inoome before tax is

charged, an amount chargeable to prolits
= helpful, useful,

favourable. (to serve (d))

servlclng
reallahle

credltworthlness

upon to trave confidence in. to trust)

= trusled for grarrtrrig a credit_ Qualified tor

suitable, dependable, (to rety on, to rely

commercial credit, satislyaing conditions for

credit

share

company
= the propbrtion of interest in the capital of a
company which a sharehotder has

(s)

b, Partly this was due to plans to buy back |ongten'n debt but
economists said lt also reilected confidence ln the Feds ability to fight
inflation.

Homework
t.

tightening monetary policy.

due to
the Fed's ability

Il.

ltl. Forrrrulate 5 serrierrces

about the importance of the study entitled:

'Commooity Risk Management and Finance"

= owing to,
=

the ability of the federal agent, oiticer or

Make up

sentences wlttr the following words: to stabilite, revenue,

expense, rellable. (Choose 3 meannrngs)

71

70

because of

government (USA)

With tlre help of a dictionary trrrd the Romanian equivalenls for the

terms above
ll. Translate the text into Romanian

III.

Put. the lollowing words inlo the correct order

and
1

translate _lnelsentences inlo Romanian

is,

enough, it,

iri,

to form

sentences

upto~theminute, to invest, technology, not

UNlT 13

at home, to be, the maior, all, in, markets

3 Banking, we'll be happy, to you, to talk, investment management,

2 Have, you,

about
4 Eslimated, the first, hall year, the results, are, tor.
5 The, before. trading Ioss, was, tax, reduced.
IV. Fill in

the missing words.

Find Your OWN OFFSHORE TAX HAVENI

assets, risk, insurance, there are,

deposits.

il seems.
Wherever financial institutions take
.,
governments provide some torm of deposil insurance
Elsewhere ..
is simpty an understanding that the
.

government will not allow depositors to lose their savings

by lorbidding, or
rriore directly
difculties
making more costly. certain sorts ol lending But
.
would be immedlately
Any lall in the value oi the ..

Regulation nianages

rellecled in the value of the deposit

Book Presentation

Enjoy a new way of iile. Live simply and easily making a tax-free
tortune using the world's most exotic places.

Complete Guide to Offshore Money Havens

by

Jerome Schneider

SQ

(ear-out forms
Packed lull of valuable ollshore strategies, tips and techniques.
You'll find unbelievable profil potential... total freedom liom tax
colleciors. the ability to dci business tax-tree...
About the Author
Jerome Schneider is America's loremosl authority on offshore
money and banking. For more that 15 years, he has helped
businessman, investors and entrepreneurs make and save toitunes
using otlsliore money centers

For example

vocabulary notes:
Offshore
off

shore fund

away lrom the shore, at the

distance trorn the shore
=

a system ol investment that is

registered abroad, usually in

countries offering tax advantages

e These COUHUIES
are called "tax haven countries": The Channel
Islands, lsle ol Man, Bahamas.
The various dtlshore tund prices are quoted ln the major national
linancial papers.

value

income - tax

do -lt- yourself

= country with a relatively low level of

taxalion ~ especially on incornes, and where people with high

incoines
live in order to avoid high taxation in their home
country
Tax evasion

deliberate failure to pay taxes\ usually

by lalsely reporting taxable income or property
Tax avoidance
= the legal avoiding ol paying taxes, by
Tax ~ exlle

Tax

minimizing activities liable tor tax.

=

person who lives abroad in order to

avoid payiiig high taxes in his / her
home country.

= a charge usually of money. imposed

By a

government on people or
Property especially to raise revenue

a heavy charge or demand

- obligatory payments to an authority

designed lor use by an amateur

by force

tear- out torm

= to

separate parts, to remove parts

tear oil lorrn = a part, a piece oi paper intended to removed
by tearing usually along marked or perforated line
= tlled with (completely) crowded with
packed tull of

loremost

= of trst rank oi' position.

Tax haven

~ added tax

most important

l.

Homework
Answer the lollowing questions'
1. Who is Jerome Schneider?
2 What has he written?
3 How is

the book presented to the public?

4 What does he ofter to his readers?
.

5 . What

advice do you get

assets?
cu

in order to protect your

Does the author address only specialists in finance?

7 Exptain why some countries are called 'offshore tax

~

haven"?

B.
.

Can you name some ollshore money havens?

you had a lortune would you go with your money to
exotic places? Why?
ll

74

preeminent,

75

10

Explain tiie meaning of

a) tax haven
b) tax

evnsion
c) tax avoidance
Which of them (a, b, c) is
an illegal activity?
11. When do the other two
become illegal action as well?
PART B

DISCOVER ALL THlS.....

Where top offshore money havens

are An A to Z summary
How to Set Up an Offshore Corporation
for less than $ 150
B
economic danger signais that alert you to
go offshore
How to bonow
money below U,S prime interest rates.
Why Unde Sam can't invade
your privacy offshore

How setting up a simple foreign

annuity can save on taxes
How to stop lawsuits by moving

assets offshore

How to earn tax / free income offshore

for the next 20 years
How to use offshore credit
cards

Success stories
saved fortunes

of

offshore entrepreneurs who've made

and

How to use offshore

money havens
substantial or modest
How to open a foreign bank

How to use the

eliminate tax

if

your income /

assets aie

account

secrets millionaires use

to legally

reduce or

Voca bulag

to setup
= to arrange to organize
prime interest rate
= (American term) the best
possible lending rate which is available
to the most creditworthy
customers of banks
annuity

= a payment made by
an insurance
company to a person who has paid in
a sum SD that he / she
may
receive at regular iritervals a
of
sum money.
an amount payable
especially yearly.

substantial

real, true, not imaginary

importanL essential

considerable in quanlity

Additional vocabiilagg
lawsuit
Lawyer

a case in a court

of low

a person whose profession is to conduct

Iawsutts for clients or to
advise as tu legal rights and obligations
Law
merchant
= the set / the body of international
customary law that regulated dealings
between
=

lawmaker
Iawful

76

notes

merchants

rules for good commercial

practice
= a person who makes laws, iegislator
a
= allowed by law
~

legal, legitimate, licit

x unlawful e

ilicit

=
Iawhreaker
one who violates the law
legal entity
= a person, Corporation, corripaiiy or
any other organization having, in the eyes ol the law. the capacity to
contract or assume legal obligatrons, to own property. to sue and be
sued
Legal estate
= the right to own and posses propeny

and il desired to sell rt.

Legal relations

the rntention to create a 'contract

between the panies. The opening ol an account with a bank, lorms the
basis of a legal relationship between hanker and customer.
Legal transfer
= any transaclion that needs legal

UNIT 14
MEDICAL INSURANCE COVER 7
The

m9 CmPetitive premiums in the world

lor the most comprehensive

the world
cover ln
BENEFITS INCLUDE THE FOLLOWING,
AND MORE:

validalron for the transler ol the property This wilt apply to such
as property, slocks and shares

- Hospital bllls paid directly by IPH.

-

assets

- 24 hour
I.

Picture yoursell with time and money to do everything you

want to do, when you want to do it, with no cares or worries
~

Would you need Jerome

Why?

tll. What

interested in?

Schneiders GtlIdE7

necessary.

assistance centers worldwide

Why is a medical insurance important

Why rs an other lorm ol insurance

important?

translate

ll,

A. The Irle

issues ol the contents of the book would you be

t

Woutd you read the book tor tun, or would you use
linancial help7.
IV.

reading Jerome

Il.

- patient treatment- lullrelund up to policy limit,

Emergency Ward treatment,

- Evacuation by Air Ambulance il

Homework
Explain what irilormation you get by
Sctineiders book

In

|.

Freedom to choose your own doctor

or hospital anywhere

the world.

it

as

business has come to look more like

a
cum investment business and less like
an insurance one.

ln the d rive to
create new products, insurers are learning
some hard
lessons
savlri 9 s

'

i`n

The ieal worry toi

B.

the. life

insurers is their property

lending. Commercial property assets can turn illiquid when markets fall

Savers usually regaid a depasit as "sale", III the

sense that it is a claim to a lixed amount oi money But this is what
makes depasit v lakers so vulnerable to a loss ol confidence
C.

D.

TEST NR. 2 I A

What changes have occurred in the

insurance

business?
2 Why

property lending a real worry for the Iile

I5

insureis?
3

Why are the savings in form oi deposits COHSIUEIEG

"safe" lrom the point oi view of the deposit ~ takers
What makes them vulnerable?

What

os

the result oi a Ioss oi confidence

system?
IV.

in

the banking

Ask tor iniormation

II.

about:

B. Opening an account
Changing money in a bank
(Choose one of the two topics ~ 5 question answers torm)
lll. Translate into Romanian
(Choose one oi the two texts).

A.

The way the authorities have deal! with the long

running problems of Bank of New England suggests that biggish

banks may not be allowed to fail, but they will be toroibly restructured

The l'ina| cost will depend on what sort of deal the

FDIC cari cut with buyers. Bank o( New Englands main selling point is
Ils $ t& billion in deposits. Keeping
as much money as possible in the
B.

bank was one reason why the FDlC promised to protect deposilors in
lu|l
even if their accounts were above the 5 100,000 ceiling that

depasit

is

meant to cover.
oul the missing word

- insurance
Find

lV.

'

property, high interest, rental

income (Choose one ot the three texts).

A.
developers have been hit hard Britain's high

Choose one o! the tests

recession.

interest

rate

Those now keen on property investment point out that yields ori
...calculated by expressing the annual rental income as a percenlage
oi the property`s capital value / are the highest lor years.
C Yes, .has changed but it is now
more like equities, not less.
B.

BD

A.
Iite

The depressum oi the 19305 demonstrated that the

Answer the lullowing Questions

nance and explain in 2

in

sentences the lnlormation a manager gets (rom each oi the topics you
mentioned
'

banks have a unique place II'| the economy A loss oi confidence in the
banking system can lead to a flight !rom deposits to cash
Ill.

Name 3 essential topics

I.

81

TES NR. 2/

l.

Discuss `with a partner about:

A:
Any kind of insurance

Aloan

questions/answers Choose one of the two subjects)

A. Name 3
reasons why you would go offshore to protect
your assets.
B. Why is commodity risk
management and lnance
(8

ll.

important for developing countries?

(Choose one of the two topics)

lII.

Translate into Romanian:

Suppose that a bank account were a claim not on a

nxed amount of money, but on a share a basket of cercates
of certincates of depasit, treasury bills and other safe, fixed
income instrumente.
A.

As the insurers try to rebuild capital andl cut costs, they

need to keep an eye on the commercial banks, One answer
B.

will

is to combine limited insurance with vigorous regulation.

(Choose one of the two texts)

IV.

Find out the missing

word: asset values, companies,

finance, banks.
A. Companies would be able to borrow
much less from
and
....
would therefore have to raise more tnance by issuing debt and
equity.
B.

Neither is it

lent! to.
C. This is why,

easy lor

to find companies sound enough to

A

when asset values lall,

are prune to runs.

l

a2
i

BIBLIOGRAFlE
M Baughman
Teachefs Treasury nl Slories lor Every
Occaslon. Englewuudclills. N.J. Prentice Hall. INC,
D.

V.
>l<

Dnil

Engleza Tehnic, Edilura Tehnic, Bucurell

- Cenversalion Book - English ~ Romanian. Editura

>l=

lilnlilc_ Bucureli, 1966

A.8, Hornby

Oxlord Progressive English Course, London, Oxlord

Unlverslly Press, 1971

Patrick Plan!
Leipzig 1981
:I:

in

=l<

=l=

<
>k
,>l<

:l:

r
:k

i:

:l:

P. Slrutl

Everyday English, Ver Verlag Enzyklupadle,

The Econumisl v Cpllectiun ollhe year 1991

Newsweek Collection ol January lo March 2000

Financial Times, January 200D

The Wall Slree\ Journal Europe, January 2000
international Herald Tribune .January 200D

Budapesl Business Journal. February w March ZDUD

Engleza pentru lurism in 1000 de cuvinte.
-

EdlluraTeora. 1999
G. Kleln

~A Diclinnary o! Banking, Pilman Publishing 1995

Longman

Diclioiaary

Viking Penguin, 1995

ol

lhe

English

Language,