Académique Documents
Professionnel Documents
Culture Documents
Lucia Swicesctx.
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
Revision Tasks
- TEST 1
.... ..........................................45
....................................................................46
UNIT 9 -Essential
ISBN 973-651-754-3
UNIT 10
II
UNIT 11
- PART A
-- PART B -
UNIT 12
-PART A
PART B
UNIT 13
UNIT 14
The Loan
..................... ..................61
- Finance
...........................................69
..73
........................................
'P
................................79
TEST 2 A
........................................................81
TEST 2 a
.................................. ...................a2
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
Isinonime,
familii
UNlT 1
FORMULE DE CONVERSAIE
CONVERSATIONAL
FORMULAS
Vorbiti
~ englezete?
Iranuzete ?
Ce limbi !cunoatei ?l
/ vorblti/
M
What
intelegeti 7
Nu v
Vreti
Cum
prea inteleg
SUCCES
traduce I
speak
English 7
French ?
Do you
Do you lollow ?
/ pronun l
l
Do you
understand me?
-lpronounce/
Jtranslate/
What does this word mean?
FORMULE DE SALUT
GREETINGS
Bun dimineata'
Good morningl
Hello! Good
Bun
Good eveningl
Good nightl
v salutt/ S
FORMULE
pe PREZENTARE
DESPRIRE
I
MEETING
AND
LEAVE-TAKING
(LA REVEDERE)
afternoon!
May i piesent
Carter?
Firete / ncntat
liiii! (toimui
Permiteti-mi s v prezint
pe
dl
Jones
La
revedere! Pe mine'
Goodbye!
/See
tomorrow!!
long'
-
Pa'
(in
vorbirea familial)
cu doamna Clay
you
Certainly /
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,
MISS
Jones
Carter 7
expiesie)
ML
to you.
INTRODUCING
SOMEBODY
name
is
introduce myself!
7/
pleasure yet
pe dr. Gray
This
De mult doresc s v
cunosc.
doctor Gray
It's
you
nal Exglanatiori
plcere s v
CUNOSC
lS
dumneavoastr.
A fost o
exist o relntlnire,
va avea loc in
aceeai
-
See you
Zl).
Bye
bye
relatiile cu copiii
Dialogue
Joan:
Mike:
(relatively informal)
Hello, Mike
Hello\
Dialogue
Mr
(more formal)
Mr,
Jackson
Jackson
;
Jackson
Mrs,
Turner
Mr.
think
-
il
Dialogue
(relatively informal)
Jackson
Roland '
Mike
Christine
Joan
Remember me to Ken.
Thanks, will. Besl wishes to Margaret
Roland.
Christ/ne
Hello
.'
'
Dialogue A (informal)
Clive
Joan
Mrs Turner
Mrs. Turner
Mr
Mrs. Moore
Mr
'
Pearce '.
How do you do
'?
UNIT 2
INVITATII
.'
My
names
INVITATIONSARRANGEMENTS
Dialogue A (informal)
(A young rrian
Young Woman
student
in
Diana
Bye.
Exercises
i.
leave ~ laking
(Faceti o list cu formulele de salut i despartire sau iormiiie
"
the dialogues and the list.
(Exersaii salutui si iorriiuleie de la
modelele de dialog i listele.)
revedere utiliznd
Jenny:
I'd like to
Jenny:
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.
Vocabulag
- How about............
N-ai vrea
n pic
_ prea devreme (pentru)
Homewurk Teme
early/ le / ter
ggervises
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)
helped
- Pitt
- diary
I'd like to
- lt can't be
tace
. Pcat
_ Mam
_ cu plceve
don't mention
it.
That's settledr
1
"N51 WS Cl"
I'm sorry.
Bine, e in regul,
Din pcate, vineri
bul ------- -~
I
i'm afraid. --------- --
Cerar
(ce prere ai l
i_l~ar
film?
S spunem la 8 7
Da, aste mi~ar convenit
-
Bine
AI
ll
IV.
lcillowing
Give appropriate
:
Expresii suplimentare
mm
Would
I 'rn
mmauuA
,
.
.'
(o,
V.
a se ciocni
V.
b) X invites Y to
deranjeaz
c)
and
d)
and
doesn't matter.
it
- nu inem prima or
invites
nu-i nimic
- nu m
out oi order
se traduce cu a se ntlni)
very much.
Additional fonnulas
to
me
"Il
same
UNIT 3
J.
J.
J.
J. Yes, l do. ls
:
J.
J.
'
'
No,
I
it
see my
iar 7
.L
It's Newton
J.
J.
J.
Exglanatoy notes
a) Phrases (expresii)
Do you
THE HOUSE
IA
Of
lt
the college
WE
- irele:
m&
penecem ami mu mp
vam
_
b) Additional
Igcuii 7
, me
- ce adres avei ?
Ma\
- avei
32 A,
personal ?
nu, am nchiriat o garsonier/
o camer mobllal
~
....
lt is
a four storeyed
i
got!
~
building gol ?
home 7
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
..
eram
Gane Street.
..ori the fourth floor, fiat
apartamentul 9
apartament proprietate
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
QLEJLELLLEADEE
Lgguage skils
Go on singing don't
stop!
Bob's father and mother have
a continua
This road
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
ora)
ll
IS
TO GO
You
Mateeumaleiwmmtul
.7
'
mu
De !Wing
a merge la cumprturi
trebuie s plec
No,
~
empty he is gone.
a plecat
When Bob is tired he goes to sleep very quickly - a merge la culcare
a adormi
;
ce mai faceti 7
nu e suficient
20
bine/ m descurc
fr
Homework (teme)
ll.
done."
'Ot I'm
va face bine
Exeroises'
TO DO
"How do you do?"
w ti
mai amintii)
Study and
(studiati
a) Doscribe Mr
Juhnsoifs house
(invit un
prieten latine
IV,
UNIT
V Make up
).
VI
gg.
lnvitation to a Picnic
Bob answers the telephone
and says. " Hello?
voice Hello, ~ this |5 John Speaking ts
Yes,
John, what is
lt7
"Are you
Iistening John?
going to
Now
N !si
u i..
Cheerto, Bob!
Homework
-the seaside
= la malul mrri
=a
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
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
nngnng 7
10
IL
se ntinde
sta la soare
= a bea moned
=a
eat sandwlches
a mnca sandwiche un
a iei din ap
"e ww"
Sunbathe
to ctnnk temanade
to
ap
...etc.
Ill. 'Tell
us what
Use
will
'
`
!o ger up
Io
a 59 'm'
= a lua micul dejun
"`
have oreaklasl
to go Io church
to
= a veni
=a
games
Io go home lor supper
=a
mew?
il
with?
'
-to hear;
be
- new,
Anne
to
be
to
neeo-
make toast;
VL
hear~ voice.
Whal m YO 5?
Seaside
One boy or girl starts with the following sentence,
another asks a
GUESND".
etc.:
washingmactrine ~ good
you
Whom do you
505,19
see shoo
Exemple
r
to ring A Bob;
to
what
a veni acas
= a merge la plimbare
to play
pronouns)
to
lV. Make up
r a merge la biseric
to come home
to go for a walk
to
26
Robert
27
UNIT 5
etc
Where were the rugs?
Where was !he ball?
i,
even less.
people take too much salt, while only few people take little salt.
A little girl
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,
'
anything
Hand me......
anything_
anyone,
some or any
'
notepaper. please,
i...
everybody,
De
Some time ago, Anne spoke Io hei friend ori the telephone; ol
course, lier trieiid then also spoke to Anne
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)
either nr l rieitlier
-
IV.
another.
each other
or
one
t5 hi5,
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)
- nor
will
come tonight
as far as
as soon as
as long as
,ltl
3|
as ulten as
As otlen
sweets.
Hoinework
Exe/cises:
I.
M aka
vocabulary.
9-2-1:-
"p
OWH
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
|
juurney
voyage
trip
tour
C3l
L
lGod
an d
guess
new car.
Sklft
sone
SNP
C03!
h0|
boot
see
time
iam
snow
"U
circuit
!light
_ _
calatorie
cu avionul (zbor)
drive
cltorie cu maina
l_
- W e ive
33
.
tll
these
hi5
>
- My
Rainer
s l One
bear
Eng
excursie
_
Sel
m'
III.
cltorie
- cltorie
-
1]
bush
.
list
mess
book
meat
UNlT
PART
1
uiideilineu:
Make up
ll.
here
is
a Jet in the
(ma)
SKY'
Mr.
(arm)
'Ji'
mad'
li
school
Barbara looked after her
looki
(a avea grij)
(a iigriji)
liislhA
(caut)
The hears
in
(a 59
mwame)
Exemple
Mr.
(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
TO LOOK (a prtvll
Lookl
Exemises
liiint
Hom ework
had).
PART B - Shonenetlsenlences
My friend
I|l
l Mrs. Black
4
- "l
did."
"Yes, du."
I
"No, dldn
I
Cont/nuc!
b)
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
Exergses
I.
TEST
,
55
"So do we."
In a). D),
5"
"We
lll. Add
C)
Your bicycle
has a punclure,...
Mr. Black is
a careful
37
.,
.. ..
PARTC
Education
Vocabulag
Additional Magnat
. guege
schgg]
. grammar
-to graduate
'
ce se petrece aici?
.din Intmmae / aa cum 5g inrmpr
colegiu coal superioar
(from)
- graduate
'
r
A absolvit
i
- junior
-He is myjunior by
'
high scnom
Homework
Exgm/sgs;
- whalsoever
using the
5"'
orice,
indiferent de (ca intritnr al
oricare,
-
- compulsory
obligatoriu
38
39
UNlT 7
Pmduceli
ECONOMICTOPICS
lndustr e
M5
-
Industg
infereseag...
I`m
industria grea
Industria
maini
constructiilor de
- industria ininier
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
- 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
a textile factory
a synthetic fibers plant
- a printing house
-
- 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?
site?
prefabricate?
multe
use?
Is tliis a housing
Ai
Fahricati
use?
Utilizati
shops?
grafic
Cu ce combustibil funcioneaz
acest motor?
40
4l
Exercise:
Cnd a lost construit aceast
fabric?
Ce produce
(tabricrl
acest
Primiti
comenzi
multe
uzin
Ci muncitori
v
inacestuzin
peacestantier
Cum
e organizat
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?
..
- directorul adjunct
- inginerul (ei)
WHAT
deputy director
(chiel) engineer
THE
WAYS
iN
WHlCH
SCIENTIFIC
3. tzy teaciiing
organised?
PART B
Do you
strintate?
Ce materii prime utilizati?
out?
din
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
maistrul
PROBLEM7
workers
loreman
muncitorii
Ct castigati pe lun?
How
How
sociale?
organised?
social
insurance
accurate
: precise
43
42
Iropefessly obscure =
complet de neinteles
i!
may be uninleIIigib/e bul for the
scienlis/s = poate
li
de neinteles
UNIT 8
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
Exercise
weapon = ami
(6
10 sentences)
Section
to 7.
Section B
Use the explanatory notes into sentences of your own (units
7)
Section
to 7
- on one
to
questions), (Use
44
unu! 7
as a guide)
UNIT 9
You're invited to
A
finantelor
'
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
H9 @MHYS
"L A5*
YOU!
A .an
B.
C.
..
.. ..
o Raportul linanciar
Reports
b)
lnan ciare
I Finance investments
investment
Decisions,
Strategic Planning
and
Products
..
e)
o Investitii tinanciare:
Deciziiiplanilicarestrategic
and
o Produse derivata i
inginerie financiar
l)
-EXCHANGE-RATEAND
ECONOM|CS
Mrire de capital
g)tRiSK MANAGEMENT'
a power station
*o
lNTEREST-RATE
.
airplane factory
an oll renery
(Choose one o! the 3 topics
Financial Reporling:
Financial Engineering
_7
You didn't
Previziune
financiar
procedura de decizie
Strategii
mijloace
managementul riscului.
iri
h)
I UNDERSTANDING
o sA NELEGEM
RAPOARTELE I CONTURILE
Prolt
B.
Sheet
3. Cash-now Budgeting
and
Management Accounts
UNEI SOCIETTI
1
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
Vocabulag notes
basic
baz
Principii contabile de
pierdere
= balana, bilan contabil
loial
= bani.
numerar
= a ncasa, a schimba in bani
(un
=
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
com de cas
proporii
linanciare
indispensabile, valori linanciare
de baz
analiza problemelor delicate,
analiza punctelorsensibile
=
breakeveii analysis
uvaiuation
acord comercial
:trade agreement
acreditw
act de cesiune
:transfer dead
act de comer
business lransaciion
- activul bilantului
assets
Il.
IS
lor a manager 7
the knowledge o!
lll. Explarn
In
finance
bBSIC
actiune de garanie
dividend share
aciuni simple
agent de burs
stockbroker
balan de plli
balance of payments
reliability
burs de valori
calcul economic
cost analysis
a menine eficiena
to maintain eftectiveness
IV. List of
tenns:
medie
abatere
standard
mean deviation
standard deviation
acces pe pia
achitarea dobnzilor Ia
service of a loan
un mprumut
-
acoperirea importurilor
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
4 624 3GB
2 D02 D62
Gavemmzul senurinzs
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m::
s::
2 D28 655
22s sn7
AFFROPRITION
12s am
a 232 n17
:s 72s :sa
'mms' m
121
a 572143
le
702 350
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
Ianus a1 17121141
4m
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
is asa
5"'""`''s' "W
wmmanugs
lll
m*
in
5 i555
am
11 SIS B2B
Arab Bank
tunat
866%
imw.
Ambumm" Bmkquns
Oman
Lebanon
..,.,.5,pm ,,;,._5,.
datorat, de plat,
30%
A 8.
platibil, cuvenit,
dues
guarantee (s)
d eposi_l (s)
m.
Vocabulag note
Due
mandat, tuncie
=a
337,
Lebanon
to bring forward
parts
il.
49%
mu; insulina: Co
= comisie, imputernicire,
09771530"
In*
Saudi Atlbta
Cnmmerua\ auiiamu Co
u*
555i.
declaraie
alocat
ian-x.
Aubinvesimeni Blink-Beirut
Ewnmm
= cheltuial
appropriation
IMM
isiainiciniemninnumnuHanI~Jeidan
expensqs)
PERCENTAGE DF OWNERSHIP
am
.
Arab
am AGvFmnkturLGermany
Commission
iam.
interest account
sfalemenns)
A
754 n55
\u :i40 ces
25 729 290
ARAB BANK
ma)
im
6 D76 i77
'm'
(46
m 49
= venit
= interes,
interest
_
_
With the help oi the vocabulary notes, the list of terms irom
8 and with a dictionary -translate the balance sheet.
Make
sentences
55
UNIT 10
"ROBEVCO
in
Vocabulag notes:
engggim
We
overview
insight
= 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
An
you
Homework
I.
lexl
Homework
onal Vooabulag
Ad
l.
Banii. Schimbul
Este vreun birou de schimb prin
apropiere 7
Alturi
schimb
se alt un birou de
It.
Vreau.,
Iaundering
'7
want ID.
cltorie
-
put
in
door
Will
Is
(depasit) money
59
UNIT 11
laundenngf
lV.
( aopltcation of principles
deterrnination of the customers true identity
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
as
little
as 2 2000 or as much as 21
million. And it
it
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:
!<5
Ioan (s)
on Ioan
to Ioan (ed)
Ioan bank
loan office
hall as much
not hall
hall and half
hall'
= pe
hrotherlslster
hair-rare
jumtate de bilet)
"
half-speed
= vitez
half-time
= repriz (sport)
lupta
= muncitor cu
mprumutat
imprumuta, a da cu mprumut
= banc de credit
= cas de mprumut (pe amanet)
jumtate de norm
jumtate de norm
= a
Words exgl
eg in English:
?WWW (Edi
Definition :
le-
endowment insurance
(to turnlsh
- The
beneficlary
that period.
semestrial (manual)
62
= life
period
quarterly
haIt-yearly
redus
= imprumut
63
if the
insurance or Assurance?
PART B
same way.
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.
Read the text several times and then translate the text into
Romanian.
tit. Exptain to your triend
years.
Early Repayments
Should your business perform better than Originally forecast, you're
iq
@e
IV. Make up a
oller.
64
The Loan
Stepped Repayments
Hoinework:
I.
Death Cover
This insurance also
sees to
lt
that
in
Homework
However we`d be quite happy to oller you individual quotations
to increaseld)
to be entitled to
to glve notice
injuri/(ies)
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,
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
=a
by making up sentences
Conversation:
prejudicii, nedreptate
to lall due
to tall through
outstanding
:imediat
= citat, deviza,
cerere, solicitare
insurance
insurance
Additional vocabulag:
'"5'3"E Policy
insurance premium
institutional investors
credit insurance
insotvency,
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
instruments and shows how they can stabiliza revenues and exgenses,
make debt servicing more reliable, improve creditworthiriess. and
facilitate macroeconomic management,
revenue (s)
instltution
revenue account
6G
B9
PART B
reverrue experrdlture
= tlre payrnerrt of
charged
revenue reserve
expense (s)
fo
expenses
which
are
the profit and loss account
= 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.
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
servlclng
reallahle
credltworthlness
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.
due to
the Fed's ability
Il.
= owing to,
=
Make up
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.
and
1
is,
enough, it,
iri,
to form
sentences
UNlT 13
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
deposits.
il seems.
Wherever financial institutions take
.,
governments provide some torm of deposil insurance
Elsewhere ..
is simpty an understanding that the
.
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
Book Presentation
Enjoy a new way of iile. Live simply and easily making a tax-free
tortune using the world's most exotic places.
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
value
income - tax
do -lt- yourself
Tax
government on people or
Property especially to raise revenue
= to
loremost
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
5 . What
assets?
cu
haven"?
B.
.
74
preeminent,
75
10
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
assets offshore
Success stories
saved fortunes
of
if
your income /
assets aie
account
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
considerable in quanlity
Additional vocabiilagg
lawsuit
Lawyer
a case in a court
of low
lawmaker
Iawful
76
notes
merchants
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
UNIT 14
MEDICAL INSURANCE COVER 7
The
validalron for the transler ol the property This wilt apply to such
as property, slocks and shares
assets
- 24 hour
I.
tll. What
interested in?
Schneiders GtlIdE7
necessary.
important?
translate
ll,
A. The Irle
Woutd you read the book tor tun, or would you use
linancial help7.
IV.
reading Jerome
Il.
Homework
Explain what irilormation you get by
Sctineiders book
In
|.
the world.
it
as
ln the d rive to
create new products, insurers are learning
some hard
lessons
savlri 9 s
'
i`n
B.
the. life
lending. Commercial property assets can turn illiquid when markets fall
D.
TEST NR. 2 I A
insurance
business?
2 Why
I5
insureis?
3
What
os
system?
IV.
in
the banking
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.
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.
'
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
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.
I.
81
TES NR. 2/
l.
Aloan
ll.
will
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
a2
i
BIBLIOGRAFlE
M Baughman
Teachefs Treasury nl Slories lor Every
Occaslon. Englewuudclills. N.J. Prentice Hall. INC,
D.
V.
>l<
Dnil
>l=
A.8, Hornby
Patrick Plan!
Leipzig 1981
:I:
in
=l<
=l=
<
>k
,>l<
:l:
r
:k
i:
:l:
P. Slrutl
EdlluraTeora. 1999
G. Kleln
Longman
Diclioiaary
ol
lhe
English
Language,