Speak About:

Present

Past

Past to Present

Future

Abilities - Responsibilities

Asking Questions

Choosing the Right Phrase

Combining Verbs

Explaining Ideas

Describing Your World

Complex Ideas

Relating Ideas, People, Objects

Speaking about Objects

Wondering about Situations

Numbers

Numerical Expressions

Decimals

Read decimals by expressing the number before the point, followed by the word 'point' and each individual number.

Example:

The current percentage rate of the tier one savings account is 3.42%.

The interest rate on his cash advance was 16.99.

Percentages

Read percentages by expressing the percentage followed by the word 'percent'.

Example:

We are unable to stop a check 34%t of the time.

His floating rate loan is currently at 5%.

Fractions

Read the top fraction followed by the number + 's'

The gross yield on that value fund was 7 2/3%.

Over 1/2 of our working capital is from borrowed funds.

NOTE: 1/4 =>one quarter, 2/3 => two thirds, 1/2 one half

Number Expressions

These expressions are used with numerical expressions:

Speed -- 100 mph
Weight -- 80 kg
Telephone number -- 0171 895 7056
Decimal -- .087
Date -- 12/04/65
Percentage -- 75%
Temperature -- 28° C
Height -- 1 m 89 cm
Price -- $60
Fraction -- 8/13
Score -- 2-1

Showing Growth or Decline

Useful Verbs

rise
increase
go up by X %.

Example:

My doubts increased about the cancelled check.

The year-end inventory indicates that profits have increased 30% over last year.

decline
decrease
go down

Example:

Confidence declined last month with the increased pressure on intangible assets.

The common trust fund interest declined last quarter.

Useful Adverbs

Increase / Decrease

sharply
dramatically.
steadily.
slowly.
rapidly.
haltingly.

Example:

Short-term debt declined steadily over this period.

The amount of consumers using cash advance loans has steadily increased.