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 interest rate on a business loan at the merchant bank is 8.5%.

The interest rate on his cash advance was 16.99.

Percentages

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

Example:

The accrued revenue is only 75% versus last year.

The accrued revenue is overstated by 14%.

Fractions

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

Today only 10/12 of my clients showed up for their appointments.

The gross yield is 3/5 of last year's.

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:

Our interest rate rose another percent.

The year-end inventory increased fifteen percent from last year.

decline
decrease
go down

Example:

As we move into the next quarter, our net yield might decrease.

The fees declined last month much to our mutual benefit.

Useful Adverbs

Increase / Decrease

sharply
dramatically.
steadily.
slowly.
rapidly.
haltingly.

Example:

The average stock dividend amount has declined sharply over the last two years.

Short-term debt rose sharply last month.