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Money talks and it's nearly always saying "Good-buy"

Финансы - вещь серьезная. Даже если вы не имеете непосредственной связи с ними по работе, необходимо знать такие термины, как assets, liabilities, balance sheet, net worth, bottom line, которые вошли в повседневную речь и неизбежно всплывают в деловом разговоре:

 

current assets оборотные активы
fixed assets/long-term assets внеоборотные активы
securities ценные бумаги
accounts receivable/receivables дебиторская задолженность
liquid or illiquid assets ликвидные или неликвидные активы
total assets итоговые активы
current liabilities/short-term liabilities краткосрочные пассивы
long-term liabilities долгосрочные пассивы
accounts payable/payables кредиторская задолженность

Стоит запомнить и следующие слэнговые выражения:

EXPRESSION DEFINITION TRANSLATION
in the black making money с прибылью
in the red losing money с убытком, "в минусах"
to break even not showing a profit or loss "сработать" без убытков
to "turn" a profit to make a profit "выйти" на прибыль
to go belly up to go bankrupt обанкротиться, "сдохнуть" (о фирме)
a bull market a rising market "растущий" рынок
a bear market a falling market падающий рынок
to "float" a loan to give a loan ссудить заем
to give a kickback to pay someone a fee from part of the payment дать взятку, "подмазать"
to use "plastic" to use a credit card расплачиваться кредиткой
the bottom line

the final amount or result (the bottom line of the balance sheet)

 итог, практический результат, "баланс"

А теперь попробуем употребить их в контексте:

When you start a new business, you are often in the red at least for the first few months, sometimes even years. If you are lucky and work hard; after a couple of years your company may break even, or even be in the black.
To turn a profit in a new venture, you often need someone to float you a loan, such as a rich uncle. When your company starts to show a strong bottom line, a bank might be willing to extend credit to you, especially if there is a bull market and business is strong.
In bear markets, especially if there is rising inflation, banks may be cautious about making long-term loans, especially since new business owners often go belly up in the first year.
Of course, if you have a credit card with a high credit limit, you can always use plastic to help you overcome these difficult times. But watch out: Interest rates on credit card loans are typically very high.