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Bulls and Bears: 20 English Words for Finance You Simply Must Know

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Financial news sources can’t stop talking about how this will affect the global economy.



Throughout Downsizing, I kept asking myself what the point of all of this was, never engaged by its hodgepodge of themes. I wish the filmmakers had asked that question too.


Open any news website today, and you’re sure to 3C国标或“强制洗牌” 能否引导LED产业走上“净土”? describing the events around this news story.

If you’ve been thinking about increasing your financial vocabulary in English, now is a great time to start.


3 Quick Tips for Increasing Your Financial Vocabulary

1. Make the Business Section Your Friend

"It's not sustainable growth because they're not being rented out and they're pricing people in the local market out of buying."

2. Sit Down with a Good Finance Book

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Forbes‘ top 10 personal finance books is a great place to start finding one that works for you. This list includes many popular titles, like:

One of the main shackles on the economy over the past four years has been stagnant wages. Hourly earnings have risen an average of 2% annually — just two-thirds of the long-term U.S. average.

3. Note the Use of Financial Language at Work

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In 2016, 1,576 foreigners became permanent Chinese residents, an increase of 163% on the previous year, according the Ministry of Public Security.

Want to learn finance vocabulary even faster? 大家居行业整合并购加剧 中型规模企业咋活 These videos are specifically designed to teach you English through real-world contexts, like business dialogues, business news reports, interviews with analysts and more.

Each video comes with interactive subtitles—just click or tap a word in the subtitles for an instant definition, grammar info and useful examples. There are also flashcards and quizzes built into every video to ensure that you remember all the words you’ve learned.

The videos are conveniently organized by genre and difficulty. Just click “Business” and select your English level to find perfect videos for you. FluentU will also keep track of what you’ve learned and suggest new videos based on that information. Plus, if you want to boost your general English, you can do that too—there are thousands of English videos on FluentU, from movie trailers to music videos to inspiring speeches and more.

And you can take them all everywhere you go with the 上海楼市一二手市场分化 未来供地只减不增.

The Top 20 Business English Words for Finance Topics You Must Know

The official non-manufacturing PMI came in at 54.3 in October, down from a recent peak of 55.4 a month prior. A key sub-index for the services sector likewise fell 0.9 points from its September peak to 53.5. Even the construction industry appeared worse off, with a sub-index for the sector dropping 2.6 points to 58.5.
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1. Interest Rate

Interest is the amount the bank (or other moneylender, which is any person or organization that gives you money) will charge you or your company for the money you borrow from them. That amount, or interest rate, is expressed as a percentage of the loan.

As part of the loan repayment, you’ll have to repay the amount of the loan plus interest.

I would advise you to shop around for the best interest rate you can find before taking up that loan.

2. Investment

The noun investment refers to money that you put into your business, property, stock, etc., in order to make a profit or earn interest.

A great Reuters article said that “investment is drawn [attracted] to the UK because it provides a gateway [place of entry entry] to a single market of 500 million consumers.”

The word investment can also be used as an adjective. An investment destination refers to the location that businesses choose to place their investments in.

The article above also names the UK as the top investment destination within Europe.

3. External capital

The word external means outside. Capital refers to your money or assets. So, external capital refers to the money that a company receives from outside sources.

The use of external capital can help your company recover from the recent drop in sales performance.

4. Cash outflow

Cash outflow refers to the money that your company spends on its expenses and other business activities.

The key to surviving in business is to keep an eye on cash outflows and manage them well.

5. Revenue

Your revenue is the amount of money your company makes from the sale of goods and services.

The total sales revenue from our latest range of sports shoes is expected to top $1.5 million this year.

6. Profit

Profit describes the amount of revenue your company gains after excluding expenses, costs, taxes, etc. The goal of every business is to make profit.

Since we started advertising on the internet, our company’s profits have increased by 20% over the last year

7. Loss

In finance, we often hear the phrase profit and loss. Loss is when you lose money. It’s the opposite of profit, and it’s a word that no one in finance ever wants to hear. Still, it’s something that can happen when a company makes less money than it spends.

Since we decided to stop print advertising, our sales revenue has suffered a loss of 20% over the last year

8. Recession


Bloomberg reports that the risk of a global recession is now more than 50 percent after the UK voted to leave the European Union.

9. Debt

Debt refers to any kind of borrowing such as loans, mortgages, etc. Debts are a way for you or your company to borrow money (usually for large purchases) and repay it at a later date with interest.

I think we should consider other options to fix our business rather than running into more debt.

10. Collateral

Collateral is something valuable, such as a property you own, that you pledge (temporarily give to) a bank, financial company or other moneylender as a guarantee of your loan repayment.

The moneylender will hold your collateral until your loan is completely paid in full. If you fail to make your loan payments, the bank will seize (take away) your property to recover their losses. This way, there’s no risk that they’ll lose the money they gave you.

If Mr. Jones intends to use his farm as collateral for his business loan, he will have to show proof of ownership to the bank.

11. Mortgage

A mortgage is a loan in which your property—most commonly your house—will be held by a bank or other moneylender as collateral. You’ll receive a loan for the value of the property. This means the moneylender will hold your property until your loan has been fully repaid.

It has been hard for the Quinns to keep up their mortgage payments since Mr Quinn lost his job.

12. Short-term loan

As a business or individual, you can borrow money from the bank for short periods of time. A short-term loan is usually repaid in less than five years.

BHS, a large retail chain, was charged a high interest rate for the short-term loan they took out in order to stay in business.

13. Long-term loan

Sometimes businesses need to buy assets, equipment, inventory and other things. Banks offer long-term loans for businesses that need to borrow a large amount of money for a longer period of time.

Long-term loans are generally repaid over a period of time that exceeds five years.

At the meeting, it was decided that the company would opt for (choose) a long-term loan that offers a lower interest rate.

14. Credit rating

The credit rating of a person or company is either a formal evaluation or an estimate of their credit history, and it indicates their potential ability to repay any new loans.

Banks and financial companies will usually check your credit rating before approving your loan.

We’re confident that our company’s loan application will be approved as we have a good credit rating.

15. Overdraft

An overdraft is when you spend more money than you have in your bank account. The bank will often make you pay an overdraft fee if you do this. 

If you have an overdraft account, this simply means that your bank will allow you to continue withdrawing (taking out) money from you account, even when you don’t have available funds (enough money) in your account to cover your withdrawal amount.

There will still be some limits on how much you can overdraft, but having this special type of bank account means you don’t have to worry as much about those overdraft fees.

In a BBC news article, it was suggested that banks should warn customers before they go into overdraft and limit the overdraft fees that they charge.


Some companies divide their capital into shares and offer them for sale to create more capital for the company.

If you own shares in a company, you’re known as a shareholder. Each share you hold represents a unit of your ownership of the company.

Owning shares in a company doesn’t mean you have control over the day-to-day running of the business, but it does entitle (allow) you to receive a share of its profits.

Recent financial news say that Japanese shares are higher as investors regain their confidence across the region.

 17. Stocks

The word stocks is a general term used to describe the ownership certificates of any company. The holder of a company’s stocks is a stockholder. As a stockholder, you’re entitled to a share of the company’s profit based on the number of stocks you hold.

Have you read the news that stocks are plunging all around the world shortly after the UK voted to leave the European Union?

18. Rally

As you know, stock markets go up and down. A stock market rally is when a large amount of money is entering the market and pushing stock prices up.

So, a rally is good news for investors, because it means that the market is recovering after being down.

Even though he doesn’t have money, it’s hard for him watch the stock market rally from afar without doing anything.

19. Bull market

1. Beyoncé “Beyoncé” (Parkwood Entertainment/Columbia) An ambush that landed after last year’s tabulations, Beyoncé's tour de force — a lustrous showcase of soulful dominion, sleek production, sensual abandon and feminist agency, not always in that order — kept its relevance during a long year swollen with distractions. The singing, like the attitude, is phenomenally assured yet full of nuance; the message is complicated but clear. It’s high-wire pop that refuses to pander.

A bull market is a financial market situation where stock prices are up (just like the bull’s horns) as a result of investor confidence and the expectations of a strong market.

John’s job on Wall Street is even more hectic (busy) now that the bull market is in full swing.

20. Bear market

The quality of its students makes LBS particularly valued. “Studying among so many talented people has instilled in me the belief that I can actually achieve something on my own,” comments one MBA graduate from the class of 2011.

A bear market is the opposite of a bull market. In a bear market, stock prices are falling and the financial market is down—the bear’s paws are facing downwards, and coming down on its enemies.

While John’s friends are worried about a possible bear market, John is confident that the market will hold steady (remain good).





Good luck!


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