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6. Complete each sentence with a word from the box.

profit

loss

customers

lend

shares

invested

borrow

owe

save

1. If you want to ……… money, you can put it in a deposit account.

2. If you buy something for $100 and sell it for $150, you make a ……… .

3. Banks ……… money to their ……… .

4. If a company spends more than it earns, it makes a ……… .

5. You can buy and sell ……… on the Stock Exchange.

6. To buy a house you usually need to ……… money from a bank.

7. We ……… $2000 in company shares.

8. I ……… you $ 100. When do you want me to pay it back?

7. Complete this dialogue by putting the verbs in brackets into the correct form of the past simple or present perfect. Use contractions where possible.

VICTORIA:

Hi, Sue. I (1) ………… (not/see) you for ages!

SUE:

Hi. No, I'm sorry that I (2) ………… (not/be) in touch with anyone recently... I really (3) ………… (be) busy.

VICTORIA:

Oh, what (4) ………… (be) up to then?

SUE:

Well, you know I (5) ………… (leave) my job in January so that I (6) ………… (can) go freelance as a graphic designer?

VICTORIA:

Yes, I remember, you (7) ………… (talk) a lot about that last year. How's it going?

SUE:

Well, it (8) ………… (be) a really difficult year so far. I (9) …………. (never/do) anything like this before ... it's much harder work than I (10) ………… (imagine). (11) ……… (you/ever/be) self-employed?

VICTORIA:

No, never, although I (12) …………… (often/think) about it. So, why has it been so difficult?

SUE:

Well, at the beginning I (13) …………… (have) two or three good clients – you know, people that I (14) …………… (know) for many years, like Tom Pierce. And since then I (15) …………… (have) a lot of interest from different companies, but none of them (16) …………… (become) regular customers.

VICTORIA:

What about advertising in the specialist magazines?

SUE:

I (17) …………… (already/do) that. I (18) …………… (put) an advert in Design Monthly a couple of months ago but I (19) …………… (not/get) any replies.

VICTORIA:

Oh, dear, well, (20) …………… (put) up a website with examples of your work?

SUE:

Yes, I (21) …………… (just/finish) it. Would you mind having a quick look at it and tell me what you think of it?

8. Decide if the speaker is talking about routine activities or activities going on at the moment of speaking. Put the verbs into the present simple or the present continuous.

Our company was founded fifteen years ago, and we (1)_____________ (manufacture) and (2)_____________ (supply) clothing to large organizations such as the police, hospitals, and so on. We always (3)_____________ (spend) a long time talking to the customers to find out their needs. At the moment we (4)_____________ (produce) an order for 18,000 shirts for the police. The next order is for a local electronics factory, and our head designer (5)_____________ (have) discussions with them to find out what sort of clothes they (6)_____________ (require).