Money Matters

1. The company's expenditure is much smaller after the latest ___________ exercise.

a) a) cost-cuttingb) b) cost-limitingc) c) cost-reducingd) d) all correct

2. Companies can try to reduce how much they spend, but some __________ are fixed, e.g. rent and energy costs. a) a) expensesb) b) outgoingsc) c) overheadsd) costsd) costs

3. Since the introduction of a single _________, doing business in Europe has been much simpler.

a) coina) coinb) currencyb) currencyc) moneyc) moneyd) dollard) dollar

4. Please could you issue an immediate and full ___________ of any money paid. 

a) pay me backa) pay me backb) pay backb) pay backc) repayc) repayd) refundd) refund

5. Many small business fail because they have too many __________ accounts.

a) a) outstandingoutstandingb) b) unpaidunpaidc) c) overdueoverdued) d) all correctall correct

6. Since the new chairman took over, the company has become increasingly __________.

a) a) profitprofitb) b) profitingprofitingc) c) profitedprofitedd) d) profitableprofitable

7. The __________ for the dollar is very good just now. We should change dollars into euros.

a) interest ratea) interest rateb) b) credit ratecredit ratec) c) money ratemoney rated) d) exchange rateexchange rate

8. My salary always runs out before the end of the month. Everything's so expensive just now.

a) a) getting my pocket money from the bankb) b) lending money to my bankc) c) having an overdraftd) d) sticking to my budget

9. We've found our ideal house but we're not rich enough to be able to buy it straight away. We'll need to go to the bank to see if they'll give us _________.

a) a) interestinterestb) b) a deposita depositc) c) some capitalsome capitald) d) a mortgagea mortgage

Mortgage is a special loan the bank gives you so that you can buy a house (andwhich you pay back to the bank over a set number of years – usually 20 or 25).

10. We'll need to invest more ___________ if we want to expand our business. You know what they say, you have to spend money to make money.

a) a) returnreturnb) b) capitalcapitalc) c) interest rateinterest rated) d) wageswages

Capital is money that is put into a business in order for the business to make more money or profit.

11. We got a loan from the bank to buy a new car. We have to ___________ it over the next two years.

a) a) repayrepayb) b) paypayc) c) returnreturnd) d) givegive

Repay means pay back.

12. She put all her money in a __________ savings account so she could make as much money as possible from it.

a) a) credit cardcredit cardb) b) large returnlarge returnc) c) high interesthigh interestd) d) low interestlow interest

A high interest account is one that rewards you with a lot of interest(money) for keeping your savings there.

13. The Bank of England was _________ in 1694 on Threadneedle Street in London.

a) a) establishmentestablishmentb) b) startedstartedc) c) establishedestablishedd) d) launchedlaunched

14. The _________ of Bangladesh is the Taka.

a) a) currencyb) b) moneyc) c) monetarymonetaryd) d) currents

15. Many people try to make money by _________ in stocks and shares.

a) a) investinvestb) b) investedinvestedc) c) investorsinvestorsd) d) investinginvesting

16. Banks frequently ______ international trade.

a) a) financefinanceb) b) financialfinancialc) c) pay forpay ford) d) buybuy

17. An arrangement for a deferred payment of a loan or purchase is known as _________.

a) a) monetarymonetaryb) b) creditcreditc) c) debitdebitd) d) co-operativeco-operative

18. If you want to borrow a large amount of money you usually have to provide some sort of ________ - often your house.

a) a) securitysecurity b) b) guaranteeguaranteec) c) promisepromised) d) precautionprecaution

19. Every successful business is dependent on good ___________.

a) a) managesmanagesb) b) managementmanagementc) c) managerialmanagerial d) d) managermanager

20. It is said that good management has always been the invisible ingredient of _________.

a) a) successfullysuccessfully b) b) succeedsucceedc) c) successfulsuccessfuld) d) successsuccess

21. Management gurus are people whose role is to ___________ and spread new and effective management practices.

a) a) interpretation interpretation b) b) interpretinterpretc) c) interpretedinterpretedd) d) interpreterinterpreter

22. Peter Drucker is the management guru who ___________ the notion of 'management by objectives'.

a) a) inventorinventor b) b) inventiveinventivec) c) inventioninventiond) d) inventedinvented

23. Successful gurus are adept at ___________ management theory and practice response to a constantly changing world.

a) a) reformulationreformulationb) b) reformulatingreformulatingc) c) reformulatereformulated) d) reformulatesreformulates

38. If I won the lottery, I ______ a house in the country.

a) a) would buywould buy b) b) have boughthave boughtc) c) will buywill buyd) d) would have would have boughtbought

39. _______ have you been waiting?

a) a) How longHow long b) b) What timeWhat timec) c) How farHow fard) d) WhenWhen

40. They weren't surprised and nor ______ I.

a) a) weren’tweren’tb) b) wasn’twasn’tc) c) werewered) d) waswas

41. I invited Mary out for a meal, but unfortunately she _______ dinner.

a) a) had already gothad already gotb) b) had already hadhad already hadc) c) have already have already hadhadd) d) already hadalready had

42. This is the cat ______ I saw last night.

a) a) whomwhomb) b) ________c) c) whatwhatd) d) whowho

43. You can meet me _____ you like.

a) a) wheneverwheneverb) b) soonsoonc) c) alwaysalwaysd) d) whateverwhatever

44.44. I _________ working at night nowadays.

a) a) used toused to b) b) usedused

c) am used toc) am used tod) d) wouldwould

45. She ______ go to the dentist's yesterday.

a) a) mustmust b) b) had tohad to c) c) ought toought tod) d) should haveshould have

46. I wouldn't mind ______ tonight.

a) a) to go outto go out b) b) go outgo out c) c) going outgoing out d) d) to going outto going out

47. “Where have you put my keys?” ”I clearly remember _____ them on the table last night.”

a) a) to leaveto leave b) b) leftleftc) c) did leavedid leaved) d) leavingleaving

48. You look tired. You _____ go to bed.

a) a) needneedb) b) havehavec) c) should haveshould haved) d) ought toought to

49. We ______ better hurry up or we'll be late.

a) a) wouldwouldb) b) shouldshouldc) c) hadhadd) d) oughtought

50. If I _______ you, I'd take the risk.

a) a) amam b) b) have beenhave been c) c) werewere d) d) would bewould be

51. I wish I _______ a car, I'm tired of catching the bus.

a) a) havehave b) b) would havewould havec) c) hadhad d) d) had hadhad had

52. _______ but I realised what he had done. a) a) Little did he knowLittle did he know b) b) Little knownLittle knownc) c) Little he knewLittle he knew d) d) Little knowingLittle knowing

53. If you'd come to the theatre last night, you _______ the play. a) a) would enjoywould enjoyb) b) had enjoyedhad enjoyedc) c) would have enjoyedwould have enjoyedd) d) will enjoywill enjoy

54. I know he didn't thank you, but he ______ have done so. a) a) mustmustb) b) maymayc) c) would would d) d) shouldshould

55. They laughed a lot last night. The film ______ very funny. a) a) should have beenshould have beenb) b) must have beenmust have beenc) c) was to be was to be d) d) should beshould be

56. Let's go to the theatre, _____

a) a) don’t we?don’t we?b) b) let us?let us?c) c) shall we?shall we?d) d) will we?will we?

57. By this time tomorrow we _________ the meeting.

a) a) will havewill haveb) b) will have hadwill have hadc) c) are havingare havingd) d) will had hadwill had had

58. I work as a teacher and my wife _______, too.

a) a) dodob) b) isisc) c) workworkd) d) doesdoes

59. What is your home town ________ ?

a) a) situatedsituatedb) b) ageagec) c) likeliked) d) locatedlocated

60. They _______ go to the cinema.

a) a) tomorrowtomorrowb) b) muchmuchc) c) rarerared) d) seldomseldom

61. He hasn’t played since he ________ the accident.

a) a) hadhadb) b) has hadhas hadc) c) hashasd) d) had hadhad had

62. This is the best tea I’ve _______ tasted.

a) a) neverneverb) b) evereverc) c) alreadyalreadyd) d) stillstill

63. I’m looking _______ the summer holidays.

a) a) beforebeforeb) b) forwardforwardc) c) forford) d) forward toforward to

64. In life ______ can make a mistake; we’re all human.

a) a) anyoneanyoneb) b) some peoplesome peoplec) c) not anybodynot anybodyd) d) someonesomeone

65. If he _______ about it, I’m sure he’d help.

a) a) had knowhad knowb) b) knewknewc) c) has knownhas knownd) d) knowsknows

66. They were ______ hard questions that I had no chance.

a) a) sosob) b) somesomec) c) suchsuchd) d) quitequite

67. I don't have a cent to give you. I _______ bought a new computer.

a) a) just buyjust buyb) b) had just boughthad just boughtc) c) 've just ve just d) d) soon willsoon will

68. You have a terrible fever! ________ call a doctor?

a) a) Shall IShall Ib) b) Do IDo Ic) c) Must Id) d) Will IWill I

69. Mr. Haines wants ______ to his office.

a) a) that you comethat you comeb) b) you come toyou come toc) c) you comeyou comed) d) you to comeyou to come

70. Do you know where ________ ?

a) a) did I put the did I put the keyskeysb) b) put I the keysput I the keysc) c) I put the keysI put the keysd) d) I the keys putI the keys put

71. Helen knows a lot about snakes, but she ______ a live one.

a) a) doesn’t ever doesn’t ever seeseeb) b) hasn’t ever hasn’t ever seenseenc) c) hasn’t ever sawhasn’t ever sawd) d) didn’t ever seedidn’t ever see

72. Jane’s got two children, ______ ?

a) a) hasn’t shehasn’t sheb) b) has she gothas she gotc) c) has shehas shed) d) haven’t shehaven’t she

73. What about _______ for a walk?

a) a) to goto gob) b) goinggoingc) c) I goingI goingd) d) gogo

74. I made one or two mistakes, but _______ of my answers were correct.

a) a) muchmuchb) b) mostmostc) c) moremored) d) fewfew

75. ______ train are you taking, the express to London or to Oxford?

a) a) WhichWhichb) b) HowHowc) c) WhatWhatd) d) WhoseWhose

76. We haven't got _______ Polish friends.

a) a) nonob) b) anyanyc) c) nonenoned) d) somesome

77. Somebody stole his wallet so he ______ money from a friend.

a) a) lentlentb) b) earnedearnedc) c) borrowedborrowedd) d) landedlanded

78. Jane's a friend of _____.

a) a) themthemb) b) theirtheirc) c) himhimd) d) hishis

79. Have you had ______ to eat?

a) a) too manytoo manyb) b) some moresome morec) c) enoughenoughd) d) to manyto many

80. I _____ my brother since Christmas.

a) a) didn’t seedidn’t seeb) b) haven’t seenhaven’t seenc) c) don’t seedon’t seed) d) hasn’t seenhasn’t seen

81. Who was the woman ________ ?

a) a) spoke tospoke tob) b) you were you were speaking tospeaking toc) c) that you spokethat you spoked) d) that you were that you were speakingspeaking

82. ______ is it from here to Berlin?

a) a) How long wayHow long wayb) b) How longHow longc) c) How farHow fard) d) How manyHow many

83. There was a lot of noise so I didn't understand what she was ______ .

a) a) sayingsayingb) b) tellingtellingc) c) speakingspeakingd) d) talkingtalking

84.84. I _______ drink beer I _______ drink beer than wine.than wine.

a) a) would like would like moremoreb) b) preferpreferc) c) had betterhad betterd) d) would ratherwould rather

85.85. Would you like some Would you like some more tea? There's still more tea? There's still _______ left._______ left.

a) a) fewfewb) b) a fewa fewc) c) a littlea littled) d) littlelittle

86.86. She didn't want the job, She didn't want the job, ________ .________ .

a) a) however well paid however well paid was itwas itb) b) however well paid it however well paid it waswasc) c) for how good pay for how good pay might bemight bed) d) however good pay it however good pay it waswas

87.87. The financial director The financial director ______ for almost an hour.______ for almost an hour.

a) a) kept us to waitkept us to waitb) b) kept us waitingkept us waitingc) c) made us to waitmade us to waitd) d) made us waitingmade us waiting

88.88. We have _______ for a We have _______ for a receptionist but haven't receptionist but haven't appointed anyone yet.appointed anyone yet.

a) a) advertisedadvertisedb) b) announcedannouncedc) c) advisedadvisedd) d) noticednoticed

89.89. "I'm going to the cinema on "I'm going to the cinema on Saturday." Saturday." "So _______ .""So _______ ."

a) a) I amI amb) b) do Ido Ic) c) I doI dod) d) am Iam I

90.90. John has two sisters, but he John has two sisters, but he doesn't speak to ______ of doesn't speak to ______ of them.them.

a) a) bothbothb) b) anyanyc) c) eithereitherd) d) neitherneither

91.91. Hubert is an uncle of Hubert is an uncle of _______._______.

a) a) JohnJohnb) b) JohnsJohnsc) c) John’sJohn’sd) d) the Johnthe John

92.92. We discussed the We discussed the house plans ______ house plans ______ our way to the shops.our way to the shops.

a) a) bybyb) b) ononc) c) inind) d) toto

93.93. Have you found a job Have you found a job _______ ?_______ ?

a) a) soonsoonb) b) stillstillc) c) longerlongerd) d) yetyet

94.94. My boots are dirty. I'd better My boots are dirty. I'd better take them _______ before I take them _______ before I come in.come in.

a) a) offoffb) b) awayawayc) c) onond) d) upup

95.95. What did the man say What did the man say ________ ?________ ?

a) a) at youat youb) b) to youto youc) c) for youfor youd) d) youyou

96.96. Do you think I should Do you think I should move to Ireland? You move to Ireland? You shouldn't do anything shouldn't do anything ______ you think it's ______ you think it's the right thing to do.the right thing to do.

a) a) whenwhenb) b) unlessunlessc) c) in casein cased) d) ifif

97.97. If ______ I hadn't spent If ______ I hadn't spent all my money, I might all my money, I might have been able to put have been able to put more aside in the bank .more aside in the bank .

a) a) reallyreallyb) b) thenthenc) c) onlyonlyd) d) beforebefore

98.98. Forest fires can cause Forest fires can cause devastation ______ a devastation ______ a wide scale.wide scale.

a) a) ininb) b) ononc) c) atatd) d) byby

99.99. It looked ______ there It looked ______ there wasn't anyone in the wasn't anyone in the building.building.

a) a) as thoughas thoughb) b) like iflike ifc) c) thoughthoughd) d) like thatlike that

100.100. I've always I've always regretted regretted not _______ not _______ the violin the violin when I was when I was younger.younger.

a) a) learninglearningb) b) to learnto learnc) c) to learningto learningd) d) going to going to

learnlearn