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Vocabular Avansat pentru TOEFL - Bani și Afaceri

Aici veți învăța câteva cuvinte în engleză despre bani și afaceri, cum ar fi "a crește brusc", "restant", "cotație" etc., care sunt necesare pentru examenul TOEFL.

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Advanced Words Needed for TOEFL
to depreciate

to diminish in value, especially over time

deprecia, se devaloriza

deprecia, se devaloriza

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to fluctuate

to vary or waver between two or more states or amounts

fluctua, varia

fluctua, varia

Ex: The economy fluctuates, affecting businesses and individuals alike. 
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to plummet

to decline in amount or value in a sudden and rapid way

a scădea vertiginos, a se prăbuși

a scădea vertiginos, a se prăbuși

Ex: After the disappointing earnings report, the company's stock value began to plummet. 
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to soar
to soar
[verb]

to increase rapidly to a high level

a se ridica vertiginos, a crește rapid

a se ridica vertiginos, a crește rapid

Ex: The price of Bitcoin soared to an all-time high last week. 
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convertible
convertible
[adjectiv]

able to be changed from one form of currency, investment, or security into another

convertibil

convertibil

Ex: The convertible currency can be easily exchanged for another currency at the current exchange rate. 
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deregulatory
deregulatory
[adjectiv]

relating to the removal or reduction of governmental power or regulations from an industry, commodity, etc.

deregulator, privind dereglementarea

deregulator, privind dereglementarea

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extravagant
extravagant
[adjectiv]

costing a lot of money, more than the necessary or affordable amount

extravagant, luxos

extravagant, luxos

Ex: She threw an extravagant birthday party with live music and gourmet catering. 
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fiscal
fiscal
[adjectiv]

relating to government revenue or public money, especially taxes

fiscal, bugetar

fiscal, bugetar

Ex: The government faces challenges in balancing fiscal priorities while addressing social needs. 
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laissez-faire
laissez-faire
[adjectiv]

relating to a policy in which private businesses are allowed to thrive without government control

laissez-faire

laissez-faire

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overdue
overdue
[adjectiv]

‌not paid, done, etc. within the required or expected timeframe

întârziat, neplătit

întârziat, neplătit

Ex: The bill payment is overdue, and late fees may apply. 
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alimony
alimony
[substantiv]

the money that is demanded by the court to be paid to an ex-spouse or ex-partner

pensie alimentară, alimente

pensie alimentară, alimente

Ex: After the divorce, she was awarded monthly alimony payments to support her financially. 
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arrears
arrears
[substantiv]

money that is owed and not yet paid

restanțe, datorii restante

restanțe, datorii restante

Ex: He finally paid off his arrears from the last six months. 
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collateral
collateral
[substantiv]

a loan guarantee that may be taken away if the loan is not repaid

garanție,  gaj

garanție, gaj

Ex: When securing a loan, the bank often requires borrowers to provide collateral, such as real estate or vehicles, to mitigate the risk of default. 
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incentive
incentive
[substantiv]

a payment or concession to encourage someone to do something specific

stimulent,  bonus

stimulent, bonus

Ex: The company offered a bonus as an incentive for employees who exceeded their sales targets. 
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audit
audit
[substantiv]

a formal inspection of a business's financial records to see if they are correct and accurate or not

audit, inspecție financiară

audit, inspecție financiară

Ex: The company underwent an audit to ensure compliance with financial regulations. 
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bailout
bailout
[substantiv]

an act of giving money to a foreign country, a failing company, or an organization on the verge of collapse to ensure their safety from bankruptcy

salvare financiară, ajutor financiar

salvare financiară, ajutor financiar

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insolvency
insolvency
[substantiv]

the state or condition of not having enough money to pay one's debts

insolvență, faliment

insolvență, faliment

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quotation
quotation
[substantiv]

a statement indicating the cost of a specific service or piece of work

oferta, cotație

oferta, cotație

Ex: The contractor provided a detailed quotation for the renovation project, outlining materials and labor costs. 
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crunch
crunch
[substantiv]

a challenging situation caused by a shortage, such as time, money, or resources, that requires immediate attention or action

criză, situație dificilă

criză, situație dificilă

Ex: The company faced a financial crunch after losing a major client. 
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deflation
deflation
[substantiv]

(economics) a decrease in the amount of money in an economy, resulting in falling or unchanged prices

deflație

deflație

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dividend
dividend
[substantiv]

an amount of money paid regularly to the shareholders of a company

dividend

dividend

Ex: The company announced a quarterly dividend of $1 per share. 
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leverage
leverage
[substantiv]

(finance) the value of a company's shares in relation to its debts

pârghie financiară, efect de pârghie

pârghie financiară, efect de pârghie

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ransom
ransom
[substantiv]

an amount of money demanded or paid for the release of a person who is in captivity

răscumpărare

răscumpărare

Ex: The kidnappers demanded a large ransom for the safe return of the CEO's daughter. 
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subsidy
subsidy
[substantiv]

an amount of money that a government or organization pays to lower the costs of producing goods or providing services so that prices do not increase

subvenție, ajutor financiar

subvenție, ajutor financiar

Ex: The government provides subsidies to farmers to support agricultural production and maintain food security. 
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tariff
tariff
[substantiv]

a tax paid on goods imported or exported

tarif, taxă vamală

tarif, taxă vamală

Ex: The government imposed a tariff on imported steel to protect domestic producers. 
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usury
usury
[substantiv]

the practice of lending money at excessively high interest rates, considered unethical or illegal

camătă, împrumutarea de bani la dobânzi excesive

camătă, împrumutarea de bani la dobânzi excesive

Ex: The lender was accused of usury after charging triple-digit interest. 
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liquidity
liquidity
[substantiv]

financial assets in the form of money or able to be easily converted into money

lichiditate

lichiditate

Ex: The company maintained high liquidity to cover unexpected expenses. 
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monetarism
monetarism
[substantiv]

the theory or policy of controlling the amount of money in circulation as the preferred method of stabilizing the economy

monetarism, teoria monetară

monetarism, teoria monetară

Ex: Monetarism emphasizes the role of monetary policy over fiscal policy. 
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stagflation
stagflation
[substantiv]

an economic situation with persistent high inflation and a high unemployment rate

stagflație, inflație cu stagnare

stagflație, inflație cu stagnare

Ex: The country experienced stagflation, with prices rising and jobs disappearing. 
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clientele
clientele
[substantiv]

the collective body of clients served by a business, professional, or institution

cliențelă, bază de clienți

cliențelă, bază de clienți

Ex: The boutique's clientele favored minimalist fashion and high-end fabrics. 
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conglomerate
conglomerate
[substantiv]

a corporation formed by merging different firms or businesses

conglomerat, grup de companii

conglomerat, grup de companii

Ex: The conglomerate expanded its operations by acquiring companies in various industries such as technology, healthcare, and consumer goods. 
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subsidiary
subsidiary
[substantiv]

a business company controlled or owned by a holding or parent company

filială, subsidiara

filială, subsidiara

Ex: The tech giant acquired a new subsidiary to expand its product line. 
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infomercial
infomercial
[substantiv]

an advertising television program that tries to promote a product by giving a lot of information about it in a supposedly objective manner

emisiune publicitară, televanzare

emisiune publicitară, televanzare

Ex: The infomercial for the new kitchen appliance demonstrated its multiple uses and featured testimonials from satisfied customers. 
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curtailment
curtailment
[substantiv]

the act of reducing or limiting something in order to reach financial stability

reducere,  limitare

reducere, limitare

Ex: The company announced a curtailment of its production operations in response to declining market demand. 
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outsourcing
outsourcing
[substantiv]

the process of having someone outside of a company provide goods or services for that company

externalizare, subcontractare

externalizare, subcontractare

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broker
broker
[substantiv]

a person whose job is to sell and buy assets and goods for other people

broker, intermediar

broker, intermediar

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loan shark
loan shark
[substantiv]

a person who lends money to people, typically under illegal conditions, at a very high rate of interest

cămătar, împrumutător cămătar

cămătar, împrumutător cămătar

Ex: He borrowed money from a loan shark and ended up owing twice as much. 
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tycoon
tycoon
[substantiv]

a rich and powerful person who is successful in business or industry

magnat, tycoon

magnat, tycoon

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magnate
magnate
[substantiv]

a wealthy, influential, and successful businessperson

magnat, titan al industriei

magnat, titan al industriei

Ex: John D. Rockefeller started out as a young businessman and quickly became a titan of industry, ultimately earning the title "magnate. 
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dog eat dog
dog eat dog
[frază]

(in business, politics, etc.) a situation in which the competition is so fierce that everyone is willing to do whatever it takes to be successful, even if it means harming others

competiție nemiloasă, fiecare pentru sine

competiție nemiloasă, fiecare pentru sine

Ex: The tech industry can be dog eat dog, especially for small startups. 
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