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Banking and Finance

SLUSH FUND slʌʃ slʌʃ

05 Sep 2022

Noun

  • a certain amount of money kept for illegal and/or dishonest purposes, mainly for politics OR a reserve fund (not necessarily in the context of corruption).
Example Sentence: We all know that almost all the parties in this country have money that can be used as a little slush fund when needed.
 

GROSS PROFIT MARGIN groʊs prɒfɪt mɑrdʒɪn

19 Aug 2022

Noun

  • The difference between the selling price of a product or service and the cost of producing it, excluding taxation, salaries paid to employees, overheads (electricity, office rent etc).
Example Sentence: There were so many items I had to work with that in the end I made a mistake in calculating our gross profit margin.
 

COLLATERAL kəˈlætərəl

17 Aug 2022

Noun

  • a car, a house or something valuable that you promise to give the lender if you cannot pay back the money you borrowed from them.
Example Sentence: I need $20.000 urgently. I can put my flat in London up as collateral – it must be worth 10 times as much as that.
 

CREDIT LIMIT krɛdɪt lɪmɪt

11 Aug 2022

Noun

  • the maximum amount of money a financial institution e.g. a bank is willing to give someone.
Example Sentence: If your credit limit with your bank is too low, it's not the best solution to acquire credit cards from several different banks.
 

REMORTGAGE reɪmɔrgɪdʒ

09 Jul 2022

Verb

  • arrange a second mortgage (= an agreement with a bank or similar organization in which you borrow money to buy property), or increase the first mortgage, especially in order to obtain more money.
Example Sentence: In order to raise funds to pay off my debts, I’ve had to remortgage my apartment.
 

MORTGAGE mɔrgɪdʒ

08 Jul 2022

Noun

  • An agreement which allows you to borrow money from a bank or similar organization, especially in order to buy a house or an apartment.
Example Sentence: Banks are now being a lot more cautious about who they lend money to. It’s getting much more difficult to arrange a mortgage on a property.
 

RETURN ON INVESTMENT  

07 Jul 2022

Phrase

  • profit (or loss) on an investment, often expressed as a percentage.
Example Sentence: I initially invested $50,000 in the company. In the past 5 years, the company has paid me $150,000 in profit share. That’s what I call an excellent return on investment.
 

HEDGE FUNDS hɛdʒ fʌnd

06 Jul 2022

Noun

  • Hedge funds are speculative funds which make large bets on market movements. They utilize borrowed money to substantially leverage their returns (and losses), often at a factor of ten to one, or more. They purchase exotic securities and also take substantial short positions when they think the market or a particular sector of the market will go down.
Example Sentence: Hedge funds are extremely risky and are suitable for high-wealth investors only.
 

CASH RICH kæʃ rɪtʃ

05 Jul 2022

Noun

  • describes someone who has most of the wealth in cash.
Example Sentence: I keep all my money in the bank in a high-interest account. I consider myself to be cash rich.
 

YIELD yild

23 Jun 2022

Noun

  • Return on investment shown as a percentage.
Example Sentence: On average last year I was getting a 7.7% yield on my property investments.
The company offered a 10% yield on its investment.
 

TRADER treɪdər

22 Jun 2022

Noun

  • Investor who holds stocks and securities for a short time (minutes, hours or days) with the objective of making profit from short-term gains in the market.
Example Sentence: Traders need to choose just the right time to buy and sell shares. A minute's delay can cost them a lot of money.
 

STOCKHOLDER stɒkˌhoʊldər

21 Jun 2022

Noun

  • Person who owns stocks and shares.
Example Sentence: Four stockholders own 88% of the company between them.
 

STOCKBROKER stɒkˌbroʊkər

20 Jun 2022

Noun

  • A licensed professional who buys and sells stocks and shares for clients in exchange for a fee, called a 'commission'.
Example Sentence: Bill is a stockbroker for a big investment bank. He earns a huge salary but he has to work long and suffer a great deal of stress.
 

STOCK stɒk

19 Jun 2022

Noun

  • Shares (portion of the capital of a business company) held by an investor.
Example Sentence: How much stock do you own in the company?
His Microsoft stock must be worth millions.
 

SPECULATOR spɛkyəˌleɪtər

18 Jun 2022

Noun

  • Someone who buys and sells stocks and shares in the hope of making a profit through changes in their value.
Example Sentence: A property speculator is interested in buying some farmland from us. He hopes to be able to build houses on it one day.
 
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