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Listen to a Business English Dialogue About Sales charge Jeffrey: Hi Paisley, do you know what a sales charge is in finance? Paisley: Yes, I think it’s a fee charged by mutual funds or investment firms when investors buy or…

Listen to a Business English Dialogue About Salary reduction Alan: Hey Ariel, have you heard about the possibility of a salary reduction at work? Ariel: Yes, I have. It’s a tough situation, but I’ve read that some companies are considering…

Listen to a Business English Dialogue About Salary freeze Jeffrey: Hey Katherine, have you heard about the salary freeze at our company? Katherine: Yes, I heard about it. It’s when a company decides not to increase employees’ salaries for a…

Listen to a Business English Dialogue About Roth ira Eric: Hi Leah, have you ever heard of a Roth IRA? Leah: Yes, Eric. A Roth IRA is a retirement savings account where contributions are made with after-tax dollars, and qualified…

Listen to a Business English Dialogue About Risk premium Christopher: Hi Autumn, do you know what a “risk premium” is in business and finance? Autumn: No, I’m not familiar with that term. Can you explain it? Christopher: Sure, a risk…

Listen to a Business English Dialogue About Risk free return Johnny: Hey Addison, do you know what a risk-free return is in finance? Addison: Yes, it’s the return on an investment that is considered to have no risk of loss,…

Listen to a Business English Dialogue About Risk capital Louis: Hi Lydia, do you know about risk capital in business and finance? Lydia: Yes, I think it’s money invested in ventures or projects with the expectation of earning a higher…

Listen to a Business English Dialogue About Risk based capital ratio firrea Jeffrey: Hi Lola, have you heard about the Risk-Based Capital Ratio under FIRREA? Lola: Hi Jeffrey! Yes, it’s a regulation that requires financial institutions to maintain a certain…

Listen to a Business English Dialogue About Risk averse Mark: Hey Riley, have you ever heard the term “risk averse” in business and finance? Riley: Yeah, I think it means someone who prefers to avoid taking risks, especially when it…

Listen to a Business English Dialogue About Right of rescission Aaron: Hey Aubrey, have you heard about the right of rescission in finance? Aubrey: Hi Aaron, yes, it’s a legal right that allows consumers to cancel certain types of contracts…