Money Matters (2) : Theme
Money Matters (2) : Theme
Money Matters (2) : Theme
Q1 Good ....... procedures are very important if you want to run a business profitably and successfully.
(a) accounted (b) accounting (c) accounts (d) accountants
Q2 The company fell heavily into ....... when it took on too many customers and offered them all cheap warranties.
(a) debt (b) debts (c) owing (d) owes
Q3 Once you have built up your company, you must remember to keep in touch with your original ........
(a) people (b) contributors (c) clients (d) members
Q4 Each department within the organisation is given a ....... within which it has to remain for the whole year.
(a) sum (b) money (c) dividend (d) budget
Q5 When the time came to close the business down, its entire ....... had to be calculated so that the creditors
could be paid off.
(a) earnings (b) assets (c) accumulation (d) asset
Q6 The manager called in her chief clerk because she could not ....... the figures on the monthly spreadsheet.
(a) acquaint (b) resolve (c) reconcile (d) recognize
Q7 Every year the college finance officer did not look forward to the visit from the government official who came to
....... the accounts.
(a) order (b) regulate (c) control (d) audit
Q8 It was a great relief to Charlie when he realized that he had come to the end of his agreement with the bank
and there was only one ....... payment left.
(a) extraordinary (b) upstanding (c) outstanding (d) standing
Q9 The building society sent a letter to all its savers and ....... that there would be a reduction in the interest rate.
(a) lenders (b) borrowers (c) loans (d) takers
Q10 Shortly after the couple had bought their first house, they saw the number of bills ....... rapidly.
(a) accentuate (b) aggravate (c) accumulate (d) access
Q1 The representative of the financial consultants assured her that the policy of the firm was that of complete
........
(a) destiny (b) devotion (c) commitment (d) attention
Q2 There is no need to worry about the money side of the project because ....... are available from the charity
sponsoring us.
(a) foundations (b) funds (c) findings (d) finds
Q3 The present finance minister has adopted a very ....... approach towards change and always follows a very
cautious policy.
(a) concerned (b) considering (c) concerning (d) conservative
Q4 As all advisers always do, she stressed that investing in this particular market had to be consindered as a .......
commitment over at least 10 years.
(a) elongated (b) lengthy (c) long-term (d) longing
Q5 The best way to develop an income for the future is to invest in a series of companies and in that way to build
up a ........
(a) suitcase (b) portfolio (c) folder (d) briefcase
Q6 I strongly recommend investing in these shares because you will get a very good ....... after only a few years.
(a) reward (b) reprise (c) return (d) response
Q7 The question is whether it is ....... to sell up all your shares at this stage rather than wait to see how the market
is next year.
(a) wisdom (b) wise (c) wisely (d) wisest
Q8 There is no question that the most important ....... in that company is its youthful enthusiasm.
(a) resort (b) resorted (c) resource (d) resorting
Q9 If you want to make a good job of selling shares to the public, you must have an element of ....... in your
approach.
(a) attacking (b) aggression (c) fighting (d) invasion
Q10 It's a personal matter whether you choose stock from this company or from that because in the end it's an .......
of mind.
(a) advance (b) approach (c) attitude (d) angle
Q1 There is one date you mustn't forget and that's the ....... for sending in details of your earnings to the tax office.
(a) headline (b) deadline (c) mainline (d) offline
Q2 If you are self-employed, you must make sure that you ....... the form indicating how much you have earned.
(a) fill up (b) fill through (c) fill out (d) fill on
Q3 If the department agrees that you have paid too much tax in the year, you will receive a ....... in due course.
(a) return (b) reply (c) response (d) refund
Q4 Each month when you receive your pay, the employer ....... a certain amount to pay towards your pension.
(a) withholds (b) withstands (c) withdraws (d) without
Q5 When you take out a loan, you have to pay interest on the amount you ........
(a) own (b) lend (c) owe (d) take
Q6 In the tax office there will be a ....... that holds all the documents and papers connected with you.
(a) file (b) box (c) book (d) container
Q7 There is quite a heavy financial ....... attached to any action that involves late payment of taxes.
(a) punishment (b) pain (c) restriction (d) penalty
Q8 Under the new regulations you can agree yourself to ....... the tax you have to pay on the income over the
previous year.
(a) figure (b) calculate (c) add (d) amount
Q9 As the couple had a ....... account, the money to pay the mortage was taken from there.
(a) joint (b) united (c) unified (d) joined
Q10 You can decide, if you so wish, to ....... your right to take your pension at an earlier date.
(a) give in (b) give up (c) give out (d) give off
Q1 The reason why I always buy my clothes at this store is because all the ....... they sell are of very high quality.
(a) types (b) species (c) brands (d) standards
Q2 Before these articles leave the factory to be forwarded to the retailer, each one is thoroughly ........
(a) seen (b) looked at (c) appraised (d) inspected
Q3 The advantages of working for this company is that all employees ....... themselves as a member of the team.
(a) believe (b) think (c) perceive (d) hold
Q4 If for any reason customers do not like the item they have bought, they always ....... and get a refund.
(a) hold it back (b) take it back (c) keep it back (d) give it back
Q5 The great thing about this particular material is that however much you screw it up, it never ........
(a) wrinkles (b) twists (c) turns (d) folds
Q6 The company insists that all their products are ....... in respect of their quality, specification and look.
(a) actual (b) identity (c) typical (d) uniform
Q7 This is the department for children's clothes and each ....... is marked with the recommended age range.
(a) cloth (b) garment (c) clothing (d) clothe
Q8 The sole purpose of this jacket is to ....... water and if you wear it in the rain and still get wet, it's useless.
(a) reject (b) repulse (c) repel (d) return
Q9 The whole look of the shop front is ....... by the introduction of bright colours.
(a) engrossed (b) enlarged (c) enveloped (d) enhanced
Q10 These pots are being sold as seconds because each one has a slight ....... in the glaze.
(a) defect (b) mistake (c) error (d) faulting
Q1 Before the product is put on the market, the company must ....... whether it complies with safety standards.
(a) ask (b) calculate (c) ascertain (d) argue
Q2 It is absolutely essential to do some thorough ....... before you even think of putting a new product on the
market.
(a) revision (b) research (c) repeat (d) return
Q3 You have a ....... to the public to ensure your toy products are suitable for children to play with.
(a) responsibility (b) concern (c) attitude (d) behaviour
Q4 The company is busy trying to ....... the problems arising from the sudden drop in sales of their cosmetic
products.
(a) answer (b) solve (c) discover (d) dissolve
Q5 The job of the ....... of this particular section is to train the members to deal politely with any complaints from
the public.
(a) controller (b) organizer (c) supervisor (d) governor
Q6 Inspiration has its place in any form of product development but at the same time you also need to adopt
some kind of ....... approach.
(a) systematic (b) thematic (c) automatic (d) emblematic
Q7 A ....... approach to new ideas is to be welcomed but you do need a strong element of imagination as well.
(a) physical (b) fundamental (c) judgmental (d) logical
Q8 Since 1993 or if you like within the last ......., there have been many products that have failed because of poor
marketing.
(a) period (b) decade (c) scale (d) time
Q9 We would definitely like to ....... the proposal you have presented to us with a view to including it in our current
range of products.
(a) discover (b) uncover (c) examine (d) reflect
Q10 As we have enough money in our present budget, we are happy to launch this new product in the nature of an
........
(a) enterprise (b) experiment (c) undertaking (d) exception
Q1 We're paying for a stand at the new industrial exhibition with a view to ....... interest among potential
employees in our company.
(a) generalizing (b) generating (c) germinating (d) gesticulating
Q2 For the first three months of your employment with the firm you will be under the care of a ........
(a) minor (b) monitor (c) mender (d) mentor
Q3 Although she was very tempted to accept the job she was offered, she had to ....... the offer because the
salary would have been insufficient.
(a) return (b) reject (c) refuse (d) repeat
Q4 A university education is of course important but it is essential that all employees undergo a period of intensive
........
(a) preparation (b) concentration (c) training (d) learning
Q5 A newsletter is sent out every ten days to all the staff so that they receive a regular ....... on recent
appointments.
(a) update (b) dating (c) dates (d) dated
Q6 Part of the ongoing training is to ensure that a regular time and place are ....... for department heads to meet
their staff.
(a) placed by (b) put on (c) set up (d) set off
Q7 The head of department acknowledged that the ....... of the section was largely due to high quality support
staff.
(a) success (b) progress (c) business (d) future
Q8 The pace of change in that industry is so fast that staff find it hard to ....... the latest developments.
(a) hold on to (b) keep on to (c) hold up with (d) keep up with
Q9 It is the policy of the company to ....... all interviews for new recruits with a member of the trade union present.
(a) control (b) conduct (c) convene (d) confirm
Q10 In view of the excessive workload you have at the moment I won't expect you to keep ....... during the next few
days.
(a) on line (b) on road (c) on track (d) on path
Q1 Before you start applying for any job, you must be absolutely sure you have the right paper ........
(a) qualities (b) qualifiers (c) qualifying (d) qualifications
Q2 In advance of drawing up the job specification and advertisement, you have to sit down and work out the .......
you have in mind for the ideal employee.
(a) portrait (b) profile (c) picture (d) sketch
Q3 As soon as the ....... arrive, it will be your job to show them round the work place and give them a general
history of the company for which they want to work.
(a) chosen (b) selected (c) candidates (d) appliers
Q4 At the moment the company is doing an extensive advertising campaign with a view to ....... new staff.
(a) recruiting (b) catching (c) reaching (d) taking
Q5 After you've read the details of the job, made some notes and written a draft letter, check the details, write the
final letter and then ....... your application.
(a) pursue (b) submit (c) undergo (d) undertake
Q6 I think you were asking too much of that new member of staff when you expected her to ....... with a cost-
cutting scheme.
(a) come over (b) come through (c) come by (d) come up
Q7 I think that you've chosen a very good area of work to seek employment in because I've heard that jobs are
....... there.
(a) many (b) abundant (c) frequent (d) plenty
Q8 Interviewing applicants for an important job can be a very time ....... process but it's worth it in the end.
(a) lasting (b) developing (c) consuming (d) taking
Q9 When you are interviewing someone, it is obviously necessary to ask questions relevant to their job
experience but discussing someone's other ....... is also useful.
(a) deeds (b) accomplishments (c) doings (d) holdings
Q10 We can offer you a salary that will be ....... with the duties and responsibilities that the job demands.
(a) level (b) equal (c) connected (d) commensurate
Q1 The contract was signed by the three partners who thus agreed to ....... by terms and conditions contained in
it.
(a) follow (b) adhere (c) abide (d) stick
Q2 There was nothing in the contract that ....... who would be responsible in the event that one of the partners
became seriously ill.
(a) pointed (b) specified (c) printed (d) developed
Q3 An independent adviser was called in after the collapse of the company to ....... some of the issues that were
not clear.
(a) result (b) retake (c) restrain (d) resolve
Q4 One of the ....... mentioned in the original agreement has decided that she does not want to continue with the
profit-sharing scheme.
(a) partakers (b) participants (c) particles (d) parties
Q5 In view of the serious problems associated with the takeover the newspaper company has decided to ....... its
offer of financial help.
(a) throw (b) reject (c) cancel (d) deter
Q6 The main problem was that the newly formed organisation was not attracting enough work and so they
decided to ....... the services of a public relations expert.
(a) call (b) engage (c) enter (d) register
Q7 That company has been in business for over 100 years and in fact was ....... in 1899.
(a) grounded (b) established (c) found (d) invented
Q8 After the complaint had been received from the customer about poor service, she was given a written ....... that
the matter would be put right.
(a) paper (b) insurance (c) assurance (d) conviction
Q9 They were very careful to make sure in the original agreement that ....... would be made to pay for staff
redundancies.
(a) foresight (b) forecast (c) providing (d) provision
Q10 We decided to employ a solicitor who would be able to ....... the extent of our liability in this matter.
(a) decipher (b) defer (c) defer (d) determine
Q1 As soon as the doctor looked at her, he was able to ....... the cause of her frequent headaches.
(a) decide (b) diagnose (c) define (d) describe
Q2 Treatment of this particular disorder was beyond the dotcor's capability and he ....... the patient to a specialist.
(a) referenced (b) returned (c) referred (d) reduced
Q3 He left the surgery feeling a lot better than when he arrived because the doctor had reassured him that his
condition was not ........
(a) clear (b) serious (c) determined (d) possible
Q4 The doctor took out of her bag an unusual ....... but promised her young patient that it would not hurt her.
(a) utensil (b) method (c) control (d) instrument
Q5 I must confess I feel much better today, as I have found that the medication prescribed has been most ........
(a) effecting (b) effects (c) effective (d) affective
Q6 Under the policy of the new health regulations if you decide to cancel your ....... and don't notify the surgery,
you will be fined.
(a) meeting (b) appointment (c) rendeszvous (d) date
Q7 Before she was allowed to leave the hospital, a physiotherapist had to ....... the extent of her mobility.
(a) assume (b) accept (c) assess (d) assert
Q8 The treatment has proved very successful but to check progress he has to arrange to visit the doctor's ........
(a) usually (b) always (c) principally (d) annually
Q10 Before they could start any kind of treatment, they had to write to the previous hospital in order to obtain her
........
(a) writings (b) prescriptions (c) records (d) recordings
Q3 Interviewer: You mean you like the idea of an office with ........
(a) air control (b) air managment (c) air conditioning (d) air condition
Q10 Candidate: No, sorry as I said I like working outside, I want to be a gardener, ........
(a) if you don't care (b) if you don't agree (c) if you don't mind (d) if you don't see
Q1 Dear Sir, I am writing this letter to describe the ....... I've been having with one of your products.
(a) incidents (b) instances (c) problems (d) examples
Q3 To begin with I would like to take ....... over the name itself.
(a) outcome (b) issue (c) trouble (d) pains
Q7 The first time I tried to use it, your lawnmower simply ....... over the grass but did not cut it.
(a) walked (b) rolled (c) strode (d) tripped
Q8 ....... the grass was flat but it was still as long as when I had started.
(a) Confessing (b) Confessed (c) Admitted (d) Admittedly
Q9 What I would like you to do is to pay me ....... my money and take 'Supercut' away.
(a) back (b) return (c) again (d) reply
Q10 Finally I want someone to come and cut my grass at your ........
Yours faithfully, Herb Grass.
(a) expenditure (b) expense (c) expending (d) expends
Q1 Dear Charles I thought it was ....... time I wrote to you and told you what I've been up to.
(a) in (b) about (c) at (d) by
Q2 My main news is that Mary has at long last ....... to marry me.
(a) concerned (b) convened (c) concerted (d) consented
Q3 She puts it another way and says she will be able to make an ....... man of me.
(a) honest (b) honour (c) honestly (d) honourable
Q5 Putting it ....... I should be delighted if you would agree to be my best man at our wedding.
(a) easily (b) quietly (c) fairly (d) simply
Q6 I can ....... you that the duties are not in any way complicated.
(a) confirm (b) assure (c) assert (d) affirm
Q7 In fact you could not possibly say that the job of best man is at all ........
(a) arduous (b) articulate (c) ardent (d) arduously
Q8 This brings me to another point: why aren't you and Sara trying the .......?
(a) noose (b) rope (c) knot (d) string
Q9 After all why should you two continue to be free and I have to give up my .......?
(a) latitude (b) liberty (c) scope (d) immunity
Q1 Dear Sir, having read your advertisement, I should like to ....... this letter as my application for the post of
marketing manager.
(a) deliver (b) submit (c) return (d) send
Q3 You may think that this is a ....... job for someone who is applying for a marketing post.
(a) peculiar (b) stranger (c) usual (d) typical
Q4 Perhaps I should explain the ....... reason for working in a restaurant as a waiter in preparation for a marketing
job.
(a) underground (b) undercover (c) understanding (d) underlying
Q5 As I see it, a restaurant is a market and it is the job of a waiter to ....... the clients into choosing products from
the menu.
(a) push (b) pervade (c) tempt (d) instruct
Q6 I am sure I could very easily ....... all the requirements of the job.
(a) complete (b) fulfil (c) commit (d) finish
Q7 For example some of my clients cannot decide whether to have ....... fruit or tiramisu.
(a) picked (b) wet (c) fresh (d) plucked
Q8 On such an occasion like that I market well and always make them ....... the one we have most of.
(a) decide (b) believe (c) select (d) effect
Q9 I am sure I could ....... my skills as a waiter to the tasks that are needed for your advertised post.
(a) transfer (b) translate (c) transpose (d) transverse
Q10 Finally I look forward to ....... from you and as you will understand I don't want to 'wait' very long.
Yours faithfully,
I.A.M. Hopeful.
(a) hear (b) hearing (c) heard (d) hears
Q1 Dear all, just to let you know that we reached our ....... after a dramatic start.
(a) goal (b) aim (c) end (d) destination
Q2 I could say that we are having a wonderful time but that would be ....... from the truth.
(a) distant (b) far (c) long (d) further
Q3 Everything started to go wrong the moment we arrived at the airport because of the industrial ....... taken by
the baggage handlers.
(a) activity (b) acts (c) acting (d) action
Q4 These baggage handlers had decided they didn't want to ....... our cases on to the plane.
(a) lead (b) load (c) lode (d) led
Q5 The result of this was that we were held ....... for six hours in the departure lounge waiting for the end of the
dispute.
(a) up (b) on (c) by (d) about
Q6 By the time the plane took off as you can ......., we were all tired, hungry and miserable.
(a) believe (b) anticipate (c) imagine (d) think
Q7 When we eventually arrived at the hotel, we had to ....... our luggage at reception.
(a) sort out (b) sort of (c) sort in (d) sort by
Q8 The big problem was that our luggage wasn't there - it had simply ........
(a) disintegrated (b) distorted (c) dislodged (d) disappeared
Q9 Our first day was spent in the local shops ....... all the things that we believed we had brought with us.
(a) finding (b) looking (c) purchasing (d) searching
Q10 On the last day of our holiday the manager of the hotel greeted us ....... from ear to ear to inform us that our
luggage had arrived at reception!
See you soon
Meggy and Tom.
(a) screaming (b) beaming (c) streaming (d) strechting
Q2 Apparently it is an ....... where the letters in the word are the first letters of a group of words.
(a) abbreviation (b) addition (c) anomaly (d) acronym
Q3 In other words the letters ....... building, antennae, span and earth, all of which you can jump from.
(a) stand up (b) stand in (c) stand for (d) stand by
Q4 Felix Baumgartner recently basejumped out of a plane 9,000 metres ....... Dover, a port on the south coast of
England.
(a) up (b) above (c) higher (d) at
Q5 He intended to ....... across the channel with a parachute and land on the coast of France near Calais.
(a) fly (b) flee (c) flew (d) flow
Q6 He started very early in the morning so that he was able to ....... commercial flights.
(a) evict (b) avoid (c) eject (d) abject
Q7 During the flight his supporters ....... that he will have reached 200 kmh.
(a) attain (b) argue (c) claim (d) dispute
Q8 The fact remains that he ....... and managed with the help of oxygen supplies to complete the crossing in ten
minutes.
(a) lived (b) continued (c) achieved (d) survived
Q9 He created a new ....... and joins Louis Bleriot, the first to fly across the channel in 37 minutes and Matthew
Webb, the first to swim across in 22 hours.
(a) record (b) recorder (c) recording (d) records
Q10 These are amazing achievements but if like me you want comfort, warmth and food on the journey, take the
ferry crossing ....... 90 minutes.
(a) during (b) lasting (c) duration (d) while
Q1 Teaching someone to drive is one of the ....... experiences you can have.
(a) cruellest (b) heaviest (c) scariest (d) latest
Q2 You sit in the passenger seat and ....... you learner to do what you would normally do.
(a) learn (b) perform (c) compose (d) instruct
Q3 The problem is that if your learner doesn't understand, you can both end up in the ........
(a) side (b) ditch (c) drain (d) floor
Q5 If this relative is also your wife, then things become even more disastrous because it could end in ........
(a) divorce (b) division (c) distance (d) diversion
Q6 The secret of being a good driving teacher is never on any occasion to lose your temper or your ........
(a) brain (b) thought (c) idea (d) head
Q7 If you do lose one of them or both, your learner will lose confidence and also lose ....... of the car.
(a) control (b) check (c) break (d) stop
Q8 In my ....... none of this happened - all I did was shout and scream, which made me feel better.
(a) example (b) case (c) instance (d) incident
Q9 I am proud to say that I taught my wife and my two sons and they all ....... first time.
(a) past (b) passing (c) passed (d) pass
Q10 The only ....... to me is as they were successful on the first attempt, how come some years before it had taken
me four tries!
(a) confusion (b) mystery (c) intrigue (d) unknown
Q1 Building Societies currently find themselves in a ....... situation because they try to please the savers and also
the borrowers and yet one group is always going to lose.
(a) perfect (b) precarious (c) pretentious (d) pertinent
Q2 Whenever there is a meeting between the finance minister and the governor of the bank, people start asking
questions and rumours ........
(a) abut (b) about (c) abound (d) abide
Q3 Invariably if interest rates go up, the building societies pay more to their savers and borrowers complain at the
increase they have to pay and maintain the societies are ....... their affairs.
(a) mistaking (b) misplacing (c) misfiring (d) mishandling
Q4 Chief executives then start making pleasant speeches and smile a lot because they want to ....... the concerns
of their borrowers.
(a) assuage (b) assert (c) assemble (d) assent
Q5 Months go by and most people forget their problems and get used to the idea of paying more and then talks
....... and the whole process starts all over again.
(a) retake (b) resume (c) repeat (d) return
Q6 The government then has to show that it is involved in the whole business of saving and lending and tries to
convince everyone that it is ....... of both savers and lenders.
(a) supporting (b) supporter (c) supportive (d) supported
Q7 The government next announces that measures are due to come into ....... that will change the whole process.
(a) forces (b) forced (c) force (d) forcing
Q8 They say this but then the difficulty is trying to find out when the measures are coming into effect and when
they will be ........
(a) rated (b) ratified (c) rates (d) rating
Q9 This is all very disappointing for the ....... house buyer who doesn't really know what's going to happen next
and how much the interest rate will be.
(a) would-go (b) would-try (c) would-see (d) would-be
Q10 Our poor potential buyer reads the papers, watches the television news and gets excited at the prospect of
another meeting of the financiers but in the end nothing of ....... comes of it all.
(a) note (b) notice (c) noting (d) noted
Q1 If you ask someone for their ........ on supermarkets as opposed to the small corner shop, you will get varying
replies.
(a) standing (b) stand (c) stance (d) status
Q2 The first question you have to ask is who are the customers that they are each trying to ........
(a) target (b) hit (c) aim (d) deliver
Q3 When you tell the inhabitants of a small village that the little local store is going to close, many will express
........
(a) dispute (b) disdain (c) dislike (d) dismay
Q4 There will naturally be ........ in the various sections of the community as to the benefits or disadvantages of
losing the little store.
(a) cuts (b) splits (c) slices (d) pieces
Q5 Of course we all get ........ with endless leaflets through the door telling us of bargains at the local
supermarket.
(a) plagued (b) attacked (c) stormed (d) bothered
Q6 Big discussions take place in the area as to whether a supermarket will come to the area and waiting for the
outcome can be quite ........ for the small shop owner.
(a) nerve killing (b) nerve hurting (c) nerve racking (d) nerve splitting
Q7 Inquiries are held which seem to go on forever and you only wish that the procedure could be ........
(a) speeded through (b) speeded along (c) speeded up (d) speeded in
Q8 Protest meetings are held but invariably they and in a ........ because they are not organized properly.
(a) disgrace (b) shambles (c) chaos (d) fall
Q9 Then the final result is announced that there is to be a ........ between EASISHOP and GOSHOP, which will
then become a super supermarket.
(a) joiner (b) combine (c) link (d) merger
Q10 The confused customer is now in a terrible ........ because in the old days there was just one brand of butter to
buy and now there is a choice of 24.
(a) distress (b) disturb (c) dilemma (d) disturbance
Date: 2004/01/29
Total number of tests: 18
ANSWERS
A1 Good accounting procedures are very important if you want to run a business profitably and successfully.
Correct answer: (b) accounting
A2 The company fell heavily into debt when it took on too many customers and offered them all cheap warranties.
Correct answer: (a) debt
A3 Once you have built up your company, you must remember to keep in touch with your original clients.
Correct answer: (c) clients
A4 Each department within the organisation is given a budget within which it has to remain for the whole year.
Correct answer: (d) budget
A5 When the time came to close the business down, its entire assets had to be calculated so that the creditors
could be paid off.
Correct answer: (b) assets
A6 The manager called in her chief clerk because she could not reconcile the figures on the monthly spreadsheet.
Correct answer: (c) reconcile
A7 Every year the college finance officer did not look forward to the visit from the government official who came to
audit the accounts.
Correct answer: (d) audit
A8 It was a great relief to Charlie when he realized that he had come to the end of his agreement with the bank
and there was only one outstanding payment left.
Correct answer: (c) outstanding
A9 The building society sent a letter to all its savers and borrowers that there would be a reduction in the interest
rate.
Correct answer: (b) borrowers
A10 Shortly after the couple had bought their first house, they saw the number of bills accumulate rapidly.
Correct answer: (c) accumulate
A1 The representative of the financial consultants assured her that the policy of the firm was that of complete
commitment.
Correct answer: (c) commitment
A2 There is no need to worry about the money side of the project because funds are available from the charity
sponsoring us.
Correct answer: (b) funds
A3 The present finance minister has adopted a very conservative approach towards change and always follows a
very cautious policy.
Correct answer: (d) conservative
A4 As all advisers always do, she stressed that investing in this particular market had to be consindered as a
long-term commitment over at least 10 years.
Correct answer: (c) long-term
A5 The best way to develop an income for the future is to invest in a series of companies and in that way to build
up a portfolio.
Correct answer: (b) portfolio
A6 I strongly recommend investing in these shares because you will get a very good return after only a few years.
Correct answer: (c) return
A7 The question is whether it is wise to sell up all your shares at this stage rather than wait to see how the market
is next year.
Correct answer: (b) wise
A8 There is no question that the most important resource in that company is its youthful enthusiasm.
Correct answer: (c) resource
A9 If you want to make a good job of selling shares to the public, you must have an element of aggression in your
approach.
Correct answer: (b) aggression
A10 It's a personal matter whether you choose stock from this company or from that because in the end it's an
attitude of mind.
Correct answer: (c) attitude
A1 There is one date you mustn't forget and that's the deadline for sending in details of your earnings to the tax
office.
Correct answer: (b) deadline
A2 If you are self-employed, you must make sure that you fill out the form indicating how much you have earned.
Correct answer: (c) fill out
A3 If the department agrees that you have paid too much tax in the year, you will receive a refund in due course.
Correct answer: (d) refund
A4 Each month when you receive your pay, the employer withholds a certain amount to pay towards your
pension.
Correct answer: (a) withholds
A5 When you take out a loan, you have to pay interest on the amount you owe.
Correct answer: (c) owe
A6 In the tax office there will be a file that holds all the documents and papers connected with you.
Correct answer: (a) file
A7 There is quite a heavy financial penalty attached to any action that involves late payment of taxes.
Correct answer: (d) penalty
A8 Under the new regulations you can agree yourself to calculate the tax you have to pay on the income over the
previous year.
Correct answer: (b) calculate
A9 As the couple had a joint account, the money to pay the mortage was taken from there.
Correct answer: (a) joint
A10 You can decide, if you so wish, to give up your right to take your pension at an earlier date.
Correct answer: (b) give up
A1 The reason why I always buy my clothes at this store is because all the brands they sell are of very high
quality.
Correct answer: (c) brands
A2 Before these articles leave the factory to be forwarded to the retailer, each one is thoroughly inspected.
Correct answer: (d) inspected
A3 The advantages of working for this company is that all employees perceive themselves as a member of the
team.
Correct answer: (c) perceive
A4 If for any reason customers do not like the item they have bought, they always take it back and get a refund.
Correct answer: (b) take it back
A5 The great thing about this particular material is that however much you screw it up, it never wrinkles.
Correct answer: (a) wrinkles
A6 The company insists that all their products are uniform in respect of their quality, specification and look.
Correct answer: (d) uniform
A7 This is the department for children's clothes and each garment is marked with the recommended age range.
Correct answer: (b) garment
A8 The sole purpose of this jacket is to repel water and if you wear it in the rain and still get wet, it's useless.
Correct answer: (c) repel
A9 The whole look of the shop front is enhanced by the introduction of bright colours.
Correct answer: (d) enhanced
A10 These pots are being sold as seconds because each one has a slight defect in the glaze.
Correct answer: (a) defect
A1 Before the product is put on the market, the company must ascertain whether it complies with safety
standards.
Correct answer: (c) ascertain
A2 It is absolutely essential to do some thorough research before you even think of putting a new product on the
market.
Correct answer: (b) research
A3 You have a responsibility to the public to ensure your toy products are suitable for children to play with.
Correct answer: (a) responsibility
A4 The company is busy trying to solve the problems arising from the sudden drop in sales of their cosmetic
products.
Correct answer: (b) solve
A5 The job of the organizer of this particular section is to train the members to deal politely with any complaints
from the public.
Correct answer: (b) organizer
A6 Inspiration has its place in any form of product development but at the same time you also need to adopt
some kind of systematic approach.
Correct answer: (a) systematic
A7 A logical approach to new ideas is to be welcomed but you do need a strong element of imagination as well.
Correct answer: (d) logical
A8 Since 1993 or if you like within the last decade, there have been many products that have failed because of
poor marketing.
Correct answer: (b) decade
A9 We would definitely like to examine the proposal you have presented to us with a view to including it in our
current range of products.
Correct answer: (c) examine
A10 As we have enough money in our present budget, we are happy to launch this new product in the nature of an
experiment.
Correct answer: (b) experiment
A1 We're paying for a stand at the new industrial exhibition with a view to generating interest among potential
employees in our company.
Correct answer: (b) generating
A2 For the first three months of your employment with the firm you will be under the care of a mentor.
Correct answer: (d) mentor
A3 Although she was very tempted to accept the job she was offered, she had to reject the offer because the
salary would have been insufficient.
Correct answer: (b) reject
A4 A university education is of course important but it is essential that all employees undergo a period of intensive
training.
Correct answer: (c) training
A5 A newsletter is sent out every ten days to all the staff so that they receive a regular update on recent
appointments.
Correct answer: (a) update
A6 Part of the ongoing training is to ensure that a regular time and place are set up for department heads to meet
their staff.
Correct answer: (c) set up
A7 The head of department acknowledged that the success of the section was largely due to high quality support
staff.
Correct answer: (a) success
A8 The pace of change in that industry is so fast that staff find it hard to keep up with the latest developments.
Correct answer: (d) keep up with
A9 It is the policy of the company to conduct all interviews for new recruits with a member of the trade union
present.
Correct answer: (b) conduct
A10 In view of the excessive workload you have at the moment I won't expect you to keep on track during the next
few days.
Correct answer: (c) on track
A1 Before you start applying for any job, you must be absolutely sure you have the right paper qualifications.
Correct answer: (d) qualifications
A2 In advance of drawing up the job specification and advertisement, you have to sit down and work out the
profile you have in mind for the ideal employee.
Correct answer: (b) profile
A3 As soon as the candidates arrive, it will be your job to show them round the work place and give them a
general history of the company for which they want to work.
Correct answer: (c) candidates
A4 At the moment the company is doing an extensive advertising campaign with a view to recruiting new staff.
Correct answer: (a) recruiting
A5 After you've read the details of the job, made some notes and written a draft letter, check the details, write the
final letter and then submit your application.
Correct answer: (b) submit
A6 I think you were asking too much of that new member of staff when you expected her to come up with a cost-
cutting scheme.
Correct answer: (d) come up
A7 I think that you've chosen a very good area of work to seek employment in because I've heard that jobs are
abundant there.
Correct answer: (b) abundant
A8 Interviewing applicants for an important job can be a very time consuming process but it's worth it in the end.
Correct answer: (c) consuming
A9 When you are interviewing someone, it is obviously necessary to ask questions relevant to their job
experience but discussing someone's other accomplishments is also useful.
Correct answer: (b) accomplishments
A10 We can offer you a salary that will be commensurate with the duties and responsibilities that the job demands.
Correct answer: (d) commensurate
A1 The contract was signed by the three partners who thus agreed to abide by terms and conditions contained in
it.
Correct answer: (c) abide
A2 There was nothing in the contract that specified who would be responsible in the event that one of the partners
became seriously ill.
Correct answer: (b) specified
A3 An independent adviser was called in after the collapse of the company to resolve some of the issues that
were not clear.
Correct answer: (d) resolve
A4 One of the parties mentioned in the original agreement has decided that she does not want to continue with
the profit-sharing scheme.
Correct answer: (d) parties
A5 In view of the serious problems associated with the takeover the newspaper company has decided to cancel
its offer of financial help.
Correct answer: (c) cancel
A6 The main problem was that the newly formed organisation was not attracting enough work and so they
decided to engage the services of a public relations expert.
Correct answer: (b) engage
A7 That company has been in business for over 100 years and in fact was established in 1899.
Correct answer: (b) established
A8 After the complaint had been received from the customer about poor service, she was given a written
assurance that the matter would be put right.
Correct answer: (c) assurance
A9 They were very careful to make sure in the original agreement that provision would be made to pay for staff
redundancies.
Correct answer: (d) provision
A10 We decided to employ a solicitor who would be able to determine the extent of our liability in this matter.
Correct answer: (d) determine
A1 As soon as the doctor looked at her, he was able to diagnose the cause of her frequent headaches.
Correct answer: (b) diagnose
A2 Treatment of this particular disorder was beyond the dotcor's capability and he referred the patient to a
specialist.
Correct answer: (c) referred
A3 He left the surgery feeling a lot better than when he arrived because the doctor had reassured him that his
condition was not serious.
Correct answer: (b) serious
A4 The doctor took out of her bag an unusual instrument but promised her young patient that it would not hurt
her.
Correct answer: (d) instrument
A5 I must confess I feel much better today, as I have found that the medication prescribed has been most
effective.
Correct answer: (c) effective
A6 Under the policy of the new health regulations if you decide to cancel your appointment and don't notify the
surgery, you will be fined.
Correct answer: (b) appointment
A7 Before she was allowed to leave the hospital, a physiotherapist had to assess the extent of her mobility.
Correct answer: (c) assess
A8 The treatment has proved very successful but to check progress he has to arrange to visit the doctor's
annually.
Correct answer: (d) annually
A10 Before they could start any kind of treatment, they had to write to the previous hospital in order to obtain her
records.
Correct answer: (c) records
A1 Interviewer: Perhaps you could start by telling us why you've applied for this job.
Correct answer: (b) applied for this job
A2 Candidate: I think the main reason is because I like working in the open air.
Correct answer: (d) the open air
A3 Interviewer: You mean you like the idea of an office with air conditioning.
Correct answer: (c) air conditioning
A10 Candidate: No, sorry as I said I like working outside, I want to be a gardener, if you don't mind.
Correct answer: (c) if you don't mind
A1 Dear Sir, I am writing this letter to describe the problems I've been having with one of your products.
Correct answer: (c) problems
A3 To begin with I would like to take issue over the name itself.
Correct answer: (b) issue
A7 The first time I tried to use it, your lawnmower simply rolled over the grass but did not cut it.
Correct answer: (b) rolled
A8 Admittedly the grass was flat but it was still as long as when I had started.
Correct answer: (d) Admittedly
A9 What I would like you to do is to pay me back my money and take 'Supercut' away.
Correct answer: (a) back
A10 Finally I want someone to come and cut my grass at your expense.
Yours faithfully, Herb Grass.
Correct answer: (b) expense
A1 Dear Charles I thought it was about time I wrote to you and told you what I've been up to.
Correct answer: (b) about
A2 My main news is that Mary has at long last consented to marry me.
Correct answer: (d) consented
A3 She puts it another way and says she will be able to make an honest man of me.
Correct answer: (a) honest
A5 Putting it simply I should be delighted if you would agree to be my best man at our wedding.
Correct answer: (d) simply
A6 I can assure you that the duties are not in any way complicated.
Correct answer: (b) assure
A7 In fact you could not possibly say that the job of best man is at all arduous.
Correct answer: (a) arduous
A8 This brings me to another point: why aren't you and Sara trying the knot?
Correct answer: (c) knot
A9 After all why should you two continue to be free and I have to give up my liberty?
Correct answer: (b) liberty
A1 Dear Sir, having read your advertisement, I should like to submit this letter as my application for the post of
marketing manager.
Correct answer: (b) submit
A3 You may think that this is a peculiar job for someone who is applying for a marketing post.
Correct answer: (a) peculiar
A4 Perhaps I should explain the underlying reason for working in a restaurant as a waiter in preparation for a
marketing job.
Correct answer: (d) underlying
A5 As I see it, a restaurant is a market and it is the job of a waiter to tempt the clients into choosing products from
the menu.
Correct answer: (c) tempt
A6 I am sure I could very easily fulfil all the requirements of the job.
Correct answer: (b) fulfil
A7 For example some of my clients cannot decide whether to have fresh fruit or tiramisu.
Correct answer: (c) fresh
A8 On such an occasion like that I market well and always make them select the one we have most of.
Correct answer: (c) select
A9 I am sure I could transfer my skills as a waiter to the tasks that are needed for your advertised post.
Correct answer: (a) transfer
A10 Finally I look forward to hearing from you and as you will understand I don't want to 'wait' very long.
Yours faithfully,
I.A.M. Hopeful.
Correct answer: (b) hearing
A1 Dear all, just to let you know that we reached our destination after a dramatic start.
Correct answer: (d) destination
A2 I could say that we are having a wonderful time but that would be far from the truth.
Correct answer: (b) far
A3 Everything started to go wrong the moment we arrived at the airport because of the industrial action taken by
the baggage handlers.
Correct answer: (d) action
A4 These baggage handlers had decided they didn't want to load our cases on to the plane.
Correct answer: (b) load
A5 The result of this was that we were held up for six hours in the departure lounge waiting for the end of the
dispute.
Correct answer: (a) up
A6 By the time the plane took off as you can imagine, we were all tired, hungry and miserable.
Correct answer: (c) imagine
A7 When we eventually arrived at the hotel, we had to sort out our luggage at reception.
Correct answer: (a) sort out
A8 The big problem was that our luggage wasn't there - it had simply disappeared.
Correct answer: (d) disappeared
A9 Our first day was spent in the local shops purchasing all the things that we believed we had brought with us.
Correct answer: (c) purchasing
A10 On the last day of our holiday the manager of the hotel greeted us beaming from ear to ear to inform us that
our luggage had arrived at reception!
See you soon
Meggy and Tom.
Correct answer: (b) beaming
A2 Apparently it is an acronym where the letters in the word are the first letters of a group of words.
Correct answer: (d) acronym
A3 In other words the letters stand for building, antennae, span and earth, all of which you can jump from.
Correct answer: (c) stand for
A4 Felix Baumgartner recently basejumped out of a plane 9,000 metres above Dover, a port on the south coast of
England.
Correct answer: (b) above
A5 He intended to fly across the channel with a parachute and land on the coast of France near Calais.
Correct answer: (a) fly
A6 He started very early in the morning so that he was able to avoid commercial flights.
Correct answer: (b) avoid
A7 During the flight his supporters claim that he will have reached 200 kmh.
Correct answer: (c) claim
A8 The fact remains that he survived and managed with the help of oxygen supplies to complete the crossing in
ten minutes.
Correct answer: (d) survived
A9 He created a new record and joins Louis Bleriot, the first to fly across the channel in 37 minutes and Matthew
Webb, the first to swim across in 22 hours.
Correct answer: (a) record
A10 These are amazing achievements but if like me you want comfort, warmth and food on the journey, take the
ferry crossing lasting 90 minutes.
Correct answer: (b) lasting
A1 Teaching someone to drive is one of the scariest experiences you can have.
Correct answer: (c) scariest
A2 You sit in the passenger seat and instruct you learner to do what you would normally do.
Correct answer: (d) instruct
A3 The problem is that if your learner doesn't understand, you can both end up in the ditch.
Correct answer: (b) ditch
A5 If this relative is also your wife, then things become even more disastrous because it could end in divorce.
Correct answer: (a) divorce
A6 The secret of being a good driving teacher is never on any occasion to lose your temper or your head.
Correct answer: (d) head
A7 If you do lose one of them or both, your learner will lose confidence and also lose control of the car.
Correct answer: (a) control
A8 In my case none of this happened - all I did was shout and scream, which made me feel better.
Correct answer: (b) case
A9 I am proud to say that I taught my wife and my two sons and they all passed first time.
Correct answer: (c) passed
A10 The only mystery to me is as they were successful on the first attempt, how come some years before it had
taken me four tries!
Correct answer: (b) mystery
A1 Building Societies currently find themselves in a precarious situation because they try to please the savers
and also the borrowers and yet one group is always going to lose.
Correct answer: (b) precarious
A2 Whenever there is a meeting between the finance minister and the governor of the bank, people start asking
questions and rumours abound.
Correct answer: (c) abound
A3 Invariably if interest rates go up, the building societies pay more to their savers and borrowers complain at the
increase they have to pay and maintain the societies are mishandling their affairs.
Correct answer: (d) mishandling
A4 Chief executives then start making pleasant speeches and smile a lot because they want to assuage the
concerns of their borrowers.
Correct answer: (a) assuage
A5 Months go by and most people forget their problems and get used to the idea of paying more and then talks
resume and the whole process starts all over again.
Correct answer: (b) resume
A6 The government then has to show that it is involved in the whole business of saving and lending and tries to
convince everyone that it is supportive of both savers and lenders.
Correct answer: (c) supportive
A7 The government next announces that measures are due to come into force that will change the whole
process.
Correct answer: (c) force
A8 They say this but then the difficulty is trying to find out when the measures are coming into effect and when
they will be ratified.
Correct answer: (b) ratified
A9 This is all very disappointing for the would-be house buyer who doesn't really know what's going to happen
next and how much the interest rate will be.
Correct answer: (d) would-be
A10 Our poor potential buyer reads the papers, watches the television news and gets excited at the prospect of
another meeting of the financiers but in the end nothing of note comes of it all.
Correct answer: (a) note
A1 If you ask someone for their stance on supermarkets as opposed to the small corner shop, you will get varying
replies.
Correct answer: (c) stance
A2 The first question you have to ask is who are the customers that they are each trying to target.
Correct answer: (a) target
A3 When you tell the inhabitants of a small village that the little local store is going to close, many will express
dismay.
Correct answer: (d) dismay
A4 There will naturally be splits in the various sections of the community as to the benefits or disadvantages of
losing the little store.
Correct answer: (b) splits
A5 Of course we all get plagued with endless leaflets through the door telling us of bargains at the local
supermarket.
Correct answer: (a) plagued
A6 Big discussions take place in the area as to whether a supermarket will come to the area and waiting for the
outcome can be quite nerve splitting for the small shop owner.
Correct answer: (d) nerve splitting
A7 Inquiries are held which seem to go on forever and you only wish that the procedure could be speeded up.
Correct answer: (c) speeded up
A8 Protest meetings are held but invariably they and in a shambles because they are not organized properly.
Correct answer: (b) shambles
A9 Then the final result is announced that there is to be a merger between EASISHOP and GOSHOP, which will
then become a super supermarket.
Correct answer: (d) merger
A10 The confused customer is now in a terrible dilemma because in the old days there was just one brand of butter
to buy and now there is a choice of 24.
Correct answer: (c) dilemma