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Vocabular pentru IELTS General (Scor 8-9) - Finanțe și Monedă

Aici, vei învăța câteva cuvinte în engleză legate de Finanțe și Monedă care sunt necesare pentru examenul IELTS General Training.

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Vocabulary for General Training IELTS (8-9)
price fixing
price fixing
[substantiv]

an agreement between business rivals to not sell products at a lower price

fixarea prețurilor, acord de preț

fixarea prețurilor, acord de preț

Ex: The company was fined millions of dollars for engaging in price fixing with its competitors, violating antitrust laws. 
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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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contingency
contingency
[substantiv]

the funds that are set aside for unforeseen expenses that may arise in the future

contingentă

contingentă

Ex: The company allocated a portion of its budget as a contingency to cover unexpected costs, such as equipment repairs or legal fees. 
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lump sum
lump sum
[substantiv]

a single, large payment made in full, instead of smaller payments made over time

sumă forfetară, plată unică

sumă forfetară, plată unică

Ex: After winning the lottery, Sarah chose to receive her prize as a lump sum rather than in annual installments. 
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overhead
overhead
[substantiv]

the regular costs required for maintaining a business or an organization

cheltuieli generale

cheltuieli generale

Ex: Rent, utilities, and insurance are all part of the company's overhead. 
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top-up
top-up
[substantiv]

an extra amount of money added to an existing sum so that it reaches the required total

reîncărcare, completare

reîncărcare, completare

Ex: Before embarking on the road trip, I stopped at the gas station to top up the tank. 
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bubble
bubble
[substantiv]

a rapid trend of increase in prices that eventually leads to a collapse

bulă, bulă speculativă

bulă, bulă speculativă

Ex: The housing bubble of the mid-2000s led to a catastrophic collapse in real estate prices and triggered the global financial crisis. 
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face value
face value
[substantiv]

the price that is imprinted on a product

valoare nominală, valoare facială

valoare nominală, valoare facială

Ex: The ticket's face value was $50, but due to high demand, scalpers were selling them for three times that amount. 
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outlay
outlay
[substantiv]

the sum of money spent

cheltuială, investiție

cheltuială, investiție

Ex: The total outlay for the renovations was $50,000. 
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receivables
receivables
[substantiv]

the amount of unpaid debt that a company expects to receive from its customers or another company

creanțe, conturi de încasat

creanțe, conturi de încasat

Ex: The company's accounts receivables increased significantly this quarter, indicating strong sales but also potential cash flow challenges. 
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seed money
seed money
[substantiv]

the initial amount of money needed to start a business or project

capital de început, finanțare inițială

capital de început, finanțare inițială

Ex: The entrepreneur used seed money from family and friends to launch her start-up company. 
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stake
stake
[substantiv]

an amount of money invested in a business

parte, participare

parte, participare

Ex: She purchased a significant stake in the startup company to support its growth. 
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nickel
nickel
[substantiv]

a five-cent coin of Canada and the US

un nichel, o monedă de cinci cenți

un nichel, o monedă de cinci cenți

Ex: He found a nickel on the ground and added it to his coin collection. 
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corkage
corkage
[substantiv]

an amount of money charged by a restaurant for drinking a wine that was bought from somewhere else by the customer

taxă de plută, taxă de deschidere a sticlei

taxă de plută, taxă de deschidere a sticlei

Ex: The restaurant allows you to bring your own wine, but they charge a corkage fee of $15 per bottle. 
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gratuity
gratuity
[substantiv]

an additional amount of money given to someone for their services

bacșiș, gratificație

bacșiș, gratificație

Ex: The waiter received a generous gratuity for providing excellent service throughout the meal. 
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building society
building society
[substantiv]

a financial institution that accepts savings deposits and provides mortgage loans

societate de credit ipotecar, instituție de economii pentru locuințe

societate de credit ipotecar, instituție de economii pentru locuințe

Ex: She opened an account at the local building society. 
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cash dispenser
cash dispenser
[substantiv]

an automatic machine that allows people to withdraw money or do other banking operation using a debit card

bancomat, distribuitor automat de bani

bancomat, distribuitor automat de bani

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clearing house
clearing house
[substantiv]

a financial institution that oversees exchanging cheques and other financial transactions

cameră de compensare, centru de compensare

cameră de compensare, centru de compensare

Ex: The clearing house acts as an intermediary between buyers and sellers in financial markets, facilitating the settlement of transactions. 
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giro
giro
[substantiv]

a British banking system in which funds are transferred from one account to another upon authorization, often via bank or post office

transfer bancar, transfer poștal

transfer bancar, transfer poștal

Ex: He paid his rent using the giro system. 
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line of credit
line of credit
[substantiv]

the maximum amount of loan that a customer is allowed to receive

linie de credit, credit revolving

linie de credit, credit revolving

Ex: The small business secured a line of credit from the bank to cover operating expenses during lean months. 
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fintech
fintech
[substantiv]

the technological innovation in financial services

fintech, tehnologie financiară

fintech, tehnologie financiară

Ex: The fintech company developed a mobile app that allows users to easily transfer money, pay bills, and track their expenses in real-time. 
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pension pot
pension pot
[substantiv]

the total accumulated savings set aside for retirement

fond de pensie, economii pentru pensie

fond de pensie, economii pentru pensie

Ex: As retirement approached, Sarah began contributing more to her pension pot to ensure a comfortable lifestyle in her later years. 
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child support
child support
[substantiv]

a regular payment from one parent to financially support the child after a divorce

pensie alimentară pentru copil, sprijin pentru copil

pensie alimentară pentru copil, sprijin pentru copil

Ex: The court ordered John to pay monthly child support to help cover the costs of raising his two children. 
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corporate welfare
corporate welfare
[substantiv]

subsidies, incentives, or benefits given by the government to big or growing businesses and corporations

bunăstare corporativă, subvenții corporative

bunăstare corporativă, subvenții corporative

Ex: Critics argue that corporate welfare distorts the free market by giving unfair advantages to certain businesses through government subsidies. 
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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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to wind down

to slowly reduce the activity of a business or organization, leading to its eventual closure

reduce treptat, închide progresiv

reduce treptat, închide progresiv

Ex: The company plans to wind down its operations over the next six months. 
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