NEW BUSINESS

BUSINESS VOCABULARY

A. Escolha a melhor tradução (alternativa a ou b) para cada palavra abaixo:

⮚Pivot - to change your opinions, statements, decisions, etc. so that they are different to what they were before:

I. He has pivoted to bring himself in line with the rest of the candidates.

II. It was harder for Bush to pivot to the positive when so much of his campaign revolved around taking down Kerry.

a. Alinhar-se a algo

b. Decisão

⮚Breakeven - the fact of a company or a product not making a profit or a loss:

I. The business has grown from breakeven six years ago to seven-figure profits this year.

a. Quebrar

b. Ponto de equilíbrio

⮚ Steady-paycheck

a. Assalariado

b. Cheque especial

⮚Profitable - producing a profit / a profitable business/company

I. They are now among the most profitable companies quoted on the New York Stock Exchange.

II. This is a highly profitable business.

a. Lucrativo

b. Lucro

⮚Ebb and flow - a frequently changing situation / The way in which the level of something regularly becomes higher or lower in a situation:

I. The ebb and flow of politics in Washington goes on as usual.

II. You have to accept the ebb and flow of love in a relationship.

a. vai e vem

b. vazante e fluxo

⮚Afloat - having enough money to pay what you owe and not have debts:

I. They need billion of dollars to keep the company afloat.

a. Aflorar

b. À tona

⮚Overhead - relating to the overheads of a business:

I. One way of increasing profit margins is to cut overhead costs.

a. Em cima da cabeça

b. Custos gerais

⮚Income - money that is earned from doing work or received from investments:

I. Average incomes have risen by 4.5 percent over the past year.

II. More help is needed for people on low incomes.

a. Renda

b. Entrar

⮚Retainers - an amount of money that you pay to someone in advance so that the person will work for you when needed:

I. He was on a $150,000 retainer from Lloyd's of London.

a. Honorários

b. Defensor

⮚Budget - a plan to show how much money a person or organization will earn and how much they will need or be able to spend:

I. The firm has drawn up a budget for the coming financial year.

II. Libraries are finding it increasingly difficult to remain within (their) budget.

a. Despesa

b. orçamento

⮚Cash-flow - the amount of money moving into and out of a business:

I. Small traders often have short-term cash-flow problems.

a. Dinheiro fluindo

b. Fluxo de Caixa

⮚Hubs - the central or main part of something where there is most activity:

I. The City of London is the hub of the UK's financial world.

II. The computer department is at the hub of the company's operations.

a. Lugar

b. Centro

⮚Equity - the value of a company, divided into many equal parts owned by the shareholders, or one of the equal parts into which the value of a company is divided:

I. He sold his equity in the company last year.

II. The rights give holders the opportunity to purchase additional equity interests in the company at a big discount.

a. Capital

b. Valor

⮚Eager - wanting very much to do or have something, especially something interesting or enjoyable:

I. She sounded very eager to meet you.

II. They crowded around the spokesperson, eager for any news.

a. Águia

b. Ansioso

⮚Sparingly - in small amounts, or without wasting any:

I. There wasn't enough coal during the war, so we had to use it sparingly.

II. She created a natural look, using makeup sparingly.

a. Com moderação

b. Devagar

⮚Hobby - an activity that someone does for pleasure when they are not working:

I. Angela's hobby is restoring vintage motorcycles. 

a. Passatempo

b. Robe

⮚Revenue - the income that a business or government receives regularly, or an amount representing such income:

I. Company revenue rose 4% last year.

a. Receita

b. Lucro

⮚Peers - a person of the same age, the same social position, or having the same abilities as other people in a group:

I. Getting help from a peer is easier than asking a teacher.

a. Colega de trabalho

b. Espião

⮚Bulk - most of something:

I. In fact, the bulk of the book is taken up with criticizing other works.

a. A maior parte de alguma coisa

b. O volume do produto

⮚Losses - a situation in which a business spends more money than it earns:

I. The company announced a pre-tax loss of three million dollars.

a. Derrota

b. Prejuízo

⮚Willing - not opposed to doing something; ready or eager to do something:

I. If you’re willing to fly on Thursday you can get a cheaper ticket.

a. desejar

b. Força de vontade

⮚Trigger - an event or situation, etc. that causes something to start:

I. There are fears that the incident may be a trigger for more violence in the capital.

 

a. Evento

b. Gatilho 

⮚Benchmarks - a level of quality that can be used as a standard when comparing other things:

I. Her outstanding performances set a new benchmark for singers throughout the world. 

a. referência

b. Qualidade

⮚Deem - to consider or judge something in a particular way:

I. The area has now been deemed safe.

II. We will provide help whenever you deem it appropriate. 

a. Forma particular

b. Considerado

⮚Soldier on - to continue doing something although it is difficult:

I. I admired the way she soldiered on when her business ran into trouble.

a. Seguir em frente

b. Soldado

B. Now, read the article below and fill in the gaps with the words you learned above: 
Leia o artigo abaixo e complete com as palavras aprendidas no exercicio anterior.  

6 SECRETS TO SURVIVING YEAR ONE OF YOUR NEW BUSINESS 

How to make it through your launch—and figure out if you have what it takes to keep going. 

This story is part five of a five-part series on the best way to launch your own business.

Reaching the one-year mark in a business often means mastering something that you won’t learn as a member of the ________________ crowd: ____________. “Running out of cash is one of the leading causes of small-business failure,” says Steve King, partner in Emergent Research, a firm in Lafayette, Calif., that studies the freelance economy. That can happen even if you’re at ____________ or ___________.

Staying afloat for a full year will let you make an educated decision about whether to ___________ or move on. Give yourself the best chance by taking these six steps:

1. ____________________

Before you launch, ask others in the industry when you’ll typically be paid, and use that info to do a ___________ projection, says CPA Lou Grassi, who advises many entrepreneurs as CEO and managing partner of Grassi & Co. 

If you have to wait 90 days, for instance, you’ll need to have other funds for ___________. Grassi, who started out serving construction businesses, quickly realized that his ___________ would be concentrated in five months of the year. To even out cash flow, he came up with subscription pricing, breaking annual bills into monthly ___________. “A lot of customers liked it,” he says.

2. Surround yourself with smarts

On a tight beginner’s ___________, you might be best off working from home. If you can free up the funds, though, you may find it helpful to rent an office that puts you in contact with an advisory team experienced in guiding startups. Co-working spaces are ___________ for free agents where you can rent a desk or a small office. 

At an incubator or accelerator, which often provides office space as well as advisory services, you may be asked to pay rent or provide ___________. 

All give you access to mentors and learning from your ___________, says Jack D. Beasley, managing director of the USC/Columbia Technology Incubator and senior program manager at the Office of Economic Engagement at the University of South Carolina. 

“They have gone through the same things you have gone through and can help you avoid mistakes.”

 

3. Fire money - losing clients

When you first launch, you’re ___________ for any business. But after six months or so, you’ll figure out that some clients aren’t worth it. If they don’t pay you enough to cover your time and costs—or don’t have a marquee name you can use as a calling card to win other business—replace them.

4. Tap credit cards ___________

Fund as much of your growth as you can out of ___________ so that you don’t build up debt that you can’t handle if the business shuts down. The safest route is to pay overhead out of savings or cash flow and defer big purchases until you have the money in hand, even if that means turning down an order. 

With a small-business credit card, you will most likely have to offer a personal guarantee, so you could be stuck with the bill even if the business files for bankruptcy protection. Making small purchases on your card and paying them off monthly, on the other hand, builds up business credit with less risk.

5. Keep spreading the word

Perhaps you are getting the ___________ of your work through word of mouth. Still, you need a website so that your operation looks legitimate. A site doesn’t have to be fancy, but if it is going to be an important route to new business, invest in advertising on search engines. Google Adwords has the highest conversion rate. 

The average cost per click in the U.S. is $1 to $2, according to Wordstream, a provider of online advertising tools. Raise your profile on major social media, such as LinkedIn, Facebook, and Twitter, by posting regularly.

6. Be ___________ to cut your _________

The history of entrepreneurship is filled with inspiring stories of people who ignored the evidence that their business was failing and achieved great success. But for mere mortals, there often comes a point when it makes sense to ___________. Set ___________ you plan to meet when you start, says Beasley, and review them with a team of advisers or mentors regularly. 

Take the tax man into account too. The IRS lets you deduct expenses from a business that is not turning a profit for only a few years—typically three, notes enrolled agent Crystal Stranger, president of 1st Tax in Honolulu and author of The 

Small Business Tax Guide. “After about two years in business is usually when I tell clients it might be time to throw in the towel,” she says.

If your business is in the red past the typical point when startups in your field become profitable—and you don’t take significant action to change your business model by, say, hiring a consultant—the IRS could ___________ it a ___________ , which can ___________ a higher tax bill.

Remember: Even if this business doesn’t work out, it doesn’t necessarily mean it’s your last.

Answer key: 

Steady pay check, cash flow, breakeven, profitable, staying afloat, soldier on, ebb and flow, cash flow, overhead, income, retainers, budget, hub, equity, peers, eager, sparingly, revenue, bulk, willing, losses, pivot, benchmarks, deem, hobby, trigger

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Learn English with an EXPERT!

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