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Americans Are in Serious Trouble: Delinquencies Surge & Debt at Record High

Video vocabulary

soar

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US / sɔ:(r) /

UK / sɔr, sor /

B2
  • verb
  • (Of prices, etc.) to increase a lot in a short time
  • To fly or rise high in the air

ultimately

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US / ˈʌltɪmətli /

UK / ˈʌltəmɪtli /

B1
  • adverb
  • Done or considered as the final and most important

distort

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US / dɪ'stɔ:t /

UK / dɪˈstɔrt /

B1
  • verb
  • To change the shape, appearance, or sound
  • To exaggerate the truth or fact, e.g. to deceive

get

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US / ɡet /

UK / ɡɛt /

A1
  • verb
  • To become affected by illness or disease
  • To begin to feel or understand an emotion or idea
  • To send or bring someone or something home, etc.
  • To go somewhere to obtain something
  • To (cause to) do a particular thing
  • To obtain, receive or be given something
  • To currently have
  • To prepare for use
  • To understand something being said or read

first

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US / fɜ:st /

UK / fɚst /

A1
  • adjecitve
  • 1st; Coming before all others in time or place
  • noun
  • Something that has not happened before
  • Position of the winner of a competition

serious

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US / ˈsɪəriəs /

UK / ˈsɪriəs /

A1
  • adjecitve
  • Giving something great energy or sincerity
  • Needing thought or concentration; important; grave
  • Being sincere about something; not joking

bottom

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US / 'bɒtəm /

UK / ˈbɑtəm /

A2
  • adjecitve
  • Concerning the part under something, e.g. a vase
  • noun
  • The part of your body you sit on
  • Lowest position, often in a company or contest
  • Lowest part of something; part on which it rests
  • Lowest level, part or point of an object
  • The part under something, e.g. a vase
  • verb
  • To hit the lowest part of something

example

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US / ɪgˈzɑ:mpl /

UK / ɪɡˈzæmpəl /

A1
  • noun
  • Thing, person which represents a category

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

recommend

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US / ˌrekə'mend /

UK / ˌrɛkəˈmɛnd /

A2
  • verb
  • To advise or suggest that someone do something

education

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US / ˌedʒuˈkeɪʃn /

UK / ˌɛdʒəˈkeʃən /

A2
  • noun
  • Academic field studying the practice of teaching
  • Process of giving or receiving teaching

number

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US / ˈnʌmbə(r) /

UK / ˈnʌmbɚ /

A1
  • noun
  • Symbols such as 1, 2, 56, 793
  • Particular song or dance performed during a show
  • Total quantity or amount of things
  • verb
  • To put numbers on things
  • To assign a sequence within a group, series, set
  • To claim to be part of a larger group, series, set

tell

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US / tel /

UK / tɛl /

A1
  • verb
  • To (strongly) advise a person to do something
  • To be able to guess
  • To say or communicate information to someone
  • To inform, but without speaking; indicate
  • To have a negative effect on someone
  • To order someone to do something; command
  • To recognize something based on certain signs
  • To report something to an authority
  • To explain something or teach someone something

york

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US / jɔ:k /

UK / jɔrk /

A1
  • proper noun
  • A city in northern England, on the Ouse River; population 136,900 (est. 2009).
  • A commercial and industrial city in southeastern Pennsylvania; population 40,097 (est. 2008).
  • The southwestern tip of Hayes Peninsula, on Baffin Bay in Greenland. It served as a base for US expl

auto

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US / ˈɔ:təʊ /

UK / ˈɔ:toʊ /

B2
  • noun
  • Car; a road vehicle with four or more wheels

family

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US / 'fæməlɪ /

UK / ˈfæmli /

A1
  • noun
  • Close group of people or organizations
  • A group of people who are related through blood
  • Group of related plants or animals

down

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US / daʊn /

UK / daʊn /

A1
  • adjecitve
  • Being sad, sick, or unhappy
  • Not operating, working, or functioning as expected
  • adverb
  • In a sitting or lying position
  • Towards or on the ground, floor, or bottom
  • Written or copied onto a piece of paper or book
  • noun
  • A period of play in American Football
  • The soft, smooth hairs that cover a bird's body
  • preposition
  • Along something's path, course, or direction
  • Going from a higher position to a lower position
  • verb
  • To eat or drink very quickly and without stopping

during

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US / ˈdjʊərɪŋ /

UK / ˈdʊrɪŋ, ˈdjʊr- /

A1
  • preposition
  • At some point in the course of an event or thing

student

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US / ˈstju:dnt /

UK / ˈstudnt, ˈstjud- /

A1
  • noun
  • Person studying at school

then

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US / ðen /

UK / ðɛn /

A1
  • adverb
  • A time that is not now
  • Following another thing in time or arrangement
  • Following on reasonably from what was just stated
  • At that time, not now

borrower

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US / ˈbɒrəʊə(r) /

UK / ˈbɑːroʊər /

A2
  • noun
  • Person or company that borrows things

annual

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US / ˈænjuəl /

UK / ˈænjuəl /

A2
  • adjecitve
  • Happening once a year, or every year
  • noun
  • Book (in a series) released each year

anyone

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US / ˈeniwʌn /

UK / ˈɛniˌwʌn, -wən /

A1
  • pronoun
  • Any person

deflation

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US / ˌdi:ˈfleɪʃn /

UK / dɪˈfleʃən /

B2
  • noun
  • When prices of good/service fall instead of rising

case

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US / keɪs /

UK / kes /

A1
  • noun
  • Container used to carry things, e.g. clothes
  • Set of facts about a crime
  • Set of facts about an event
  • Example or instance of something
  • verb
  • To find out about a place, as in planning to steal

great

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US / ɡreɪt /

UK / ɡret /

A1
  • adjecitve
  • Very large in size
  • Very important
  • Very good; fantastic; wonderful
  • adverb
  • Very good; better than before
  • noun
  • Successful and well-admired person

enough

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US / ɪˈnʌf /

UK / ɪˈnʌf /

A1
  • adjecitve
  • Sufficient to answer the need
  • adverb
  • To a satisfactory degree
  • pronoun
  • Equal to what is needed; as much as required
  • Adequate number or amount

mean

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US / mi:n /

UK / min /

A1
  • adjecitve
  • Being good at
  • Nasty; unkind
  • Not liking to spend money; cheap; stingy
  • noun
  • Average of a set of numbers
  • verb
  • To express a particular idea or thought
  • To intend to do something in particular
  • To have a particular meaning or value

watch

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US / wɒtʃ /

UK / wɑtʃ /

A1
  • noun
  • Period of time someone is responsible for guarding
  • Device you wear on your wrist that shows the time
  • Official warning statement, e.g. of bad weather
  • verb
  • To keep in check, manage, or control something
  • To look at something for entertainment, e.g. TV
  • To guard a place or people; protect child, etc.
  • To look at carefully to work out what is happening
  • To protect and care for someone or something

total

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US / ˈtəʊtl /

UK / ˈtoʊtl /

A1
  • adjecitve
  • Complete
  • noun
  • Whole number or amount of something
  • verb
  • To damage a car beyond repair

type

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US / taɪp /

UK / taɪp /

A1
  • noun
  • Printed letters or blocks used for printing them
  • Group of things or people sharing common features
  • verb
  • To identify something belonging to a group
  • To write by touching keys on a keyboard

least

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US / li:st /

UK / list /

A1
  • adverb
  • In the smallest or lowest way
  • noun
  • Something that is of the lowest or smallest degree

right

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US / raɪt /

UK / raɪt /

A1
  • adjecitve
  • Correct or true
  • The south side of you looking at the rising sun
  • adverb
  • Exactly in a place or time
  • Being appropriate for a particular event
  • In a straight or direct manner
  • noun
  • Something you are legally or morally allowed to do
  • Ideal of what is just and good
  • Political view based on conservatism
  • verb
  • To fix something previously wrong or unjust
  • To make upright, as a boat that has turned over

sink

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US / sɪŋk /

UK / sɪŋk /

A2
  • noun
  • Large bowl in a kitchen or washroom for washing
  • verb
  • To push something down into the ground
  • To dig (a well)
  • To move down toward a lower point
  • To decrease in value or amount

thirty

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US / 'θɜ:tɪ /

UK / ˈθə:ti /

A1
  • number
  • 30

about

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US / ə'baʊt /

UK / əˈbaʊt /

A1
  • adverb
  • To be ready to; going to
  • Nearly; approximately; roughly
  • Near; next to; close to
  • In every direction; in the area of
  • preposition
  • Concerning or of (a topic)

care

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US / keə(r) /

UK / kɛr /

A1
  • noun
  • Treatment you receive for your health or safety
  • Something that a person worries about
  • verb
  • To feel interest, concern, or worry
  • To look after someone or something

again

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US / ə'ɡen /

UK / əˈɡɛn /

A1
  • adverb
  • One more time, once more

current

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US / 'kʌrənt /

UK / ˈkɚrənt, ˈkʌr- /

A2
  • adjecitve
  • Happening or being in the present time
  • noun
  • Electricity flowing through wires
  • Movement of water in a river, or air in the sky

different

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US / ˈdɪfrənt /

UK / ˈdɪfrənt /

A1
  • adjecitve
  • Not of the same kind; unlike other things

even

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US / 'i:vn /

UK / ˈivən /

A1
  • adjecitve
  • Being equal in influence, power, possibility etc.
  • Being divided equally or fairly
  • (Of teams/contest) with similar chances of success
  • Smooth, level, or regular
  • Can be divided by 2; ending in 2, 4, 6, 8, or 0
  • At a regular, equally steady manner
  • Remaining steady and unchanging
  • adverb
  • (When this is surprising) as well; too
  • (Used to compare two things/stress the difference)
  • verb
  • To make something level; to flatten
  • To make something equal

like

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US / laɪk /

UK / laɪk /

A1
  • adjecitve
  • Being equal in status or kind to something else
  • Similar; the same
  • adverb
  • For example
  • preposition
  • Used as a filler; used to ad emphasis
  • In a way similar to the way something is done
  • Such as; for example
  • verb
  • To want to
  • To find something pleasing; to prefer something

people

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US / 'pi:pl /

UK / ˈpipəl /

A1
  • noun
  • Persons sharing culture, country, background, etc.
  • Men, Women, Children

that

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US / ðæt /

UK / ðæt, ðət /

A1
  • adjecitve
  • The person or thing being talked about
  • Used to identify something both the speakers know
  • adverb
  • Used to reinforce adjectives and adverbs
  • To such a degree
  • conjunction
  • Used to connect a noun clause
  • Used to introduce an adverbial clause
  • Used to introduce a noun clause
  • determiner
  • Used as a noun to refer to something
  • pronoun
  • Referring an object far away
  • Used to refer to the relative pronoun ‘which’

thrive

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US / θraɪv /

UK / θraɪv /

B2
  • verb
  • To be or become healthy or successful

what

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US / wɒt /

UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /

A1
  • pronoun
  • Thing or things that; the same kind as
  • Used to emphasize something you are about to say
  • adjecitve
  • Used to refer to a particular amount, or number
  • Used to place emphasis on a particular quality
  • adverb
  • To a certain degree
  • determiner
  • Question words used for asking for information
  • exclamation
  • Used to express excitement, shock, or surprise
  • Used to ask people to repeat something they said

against

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US / əˈgenst /

UK / əˈɡenst /

A1
  • preposition
  • In physical contact with, as for support; next to
  • In opposition to; disagreeing with

friend

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US / frend /

UK / frɛnd /

A1
  • noun
  • Person who you like and enjoy being with

march

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US / mɑ:tʃ /

UK / mɑ:rtʃ /

A1
  • noun
  • Walk by a group of soldiers who walk in time
  • 3rd month of the year
  • Music played for soldiers to walk in time to
  • Progress towards a future time or place
  • Public walk by a group to demand change
  • verb
  • To force someone to walk somewhere
  • (Soldiers) to walk in time with others
  • To walk as a group to demand some kind of change
  • To walk somewhere quickly often in an angry manner

measure

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US / ˈmeʒə(r) /

UK / ˈmɛʒɚ /

A1
  • noun
  • Plan to achieve a desired result
  • Tool used to calculate the size of something
  • verb
  • To determine the value or importance of something
  • To calculate size, weight or temperature of

presentation

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US / ˌpreznˈteɪʃn /

UK / ˌprɛzənˈteʃən, ˌprizən- /

A2
  • noun
  • Act of giving a formal talk about something
  • Talk to show or describe something on a screen
  • Way in which something is displayed or shown
  • Ceremony to give an award or prize to someone

november

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US / nəʊˈvembə(r) /

UK / noˈvɛmbɚ /

A1
  • noun
  • 11th month of the year

now

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US / naʊ /

UK / naʊ /

A1
  • adverb
  • At the present time or moment
  • Right away or in the next possible moment
  • Used to refer to something that just happened
  • Time between the present and a moment in the past
  • conjunction
  • Resulting from or because of something

credit

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US / 'kredɪt /

UK / ˈkrɛdɪt /

A2
  • adjecitve
  • Having a positive amount of money
  • noun
  • System to buy something and pay for it later
  • Points earned instead of money
  • Quality of having a good reputation for a reason
  • Points earned towards a university degree
  • verb
  • To add a certain amount of money to a total
  • To recognize someone's achievements or help

reflective

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US / rɪˈflektɪv /

UK / rɪˈflɛktɪv /

A2
  • adjecitve
  • Having the ability to reflect light, heat, sound
  • Thinking deeply about something; thoughtful

sense

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US / sens /

UK / sɛns /

A1
  • noun
  • Certain mental feeling or emotion
  • Normal or clear state of mind
  • Meaning of a particular word, phrase or text
  • verb
  • To perceive using sight, sound, taste touch etc.
  • To recognize the presence of something

support

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US / səˈpɔ:t /

UK / səˈpɔrt, -ˈport /

A1
  • noun
  • Assistance or advice given to someone
  • Evidence that helps prove something is true
  • A thing to hold up or prevent from falling down
  • verb
  • To give assistance or advice to someone
  • To help prove or show that something is true
  • To hold up or prevent from falling down

but

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US / bət /

UK / bʌt,bət /

A1
  • conjunction
  • Used before you say something different, opposite

give

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US / ɡɪv /

UK / ɡɪv /

A1
  • noun
  • Degree of flexibility in something, a material
  • verb
  • To hand over or present something to someone
  • To cause someone to have or experience something

life

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US / laɪf /

UK / laɪf /

A1
  • noun
  • All the living things e.g. animals, plants, humans
  • Period of time things live, from birth to death

bureau

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US / 'bjʊərəʊ /

UK / ˈbjʊro /

B1
  • noun
  • Administrative unit of government

candy

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US / ˈkændi /

UK / ˈkændi /

B2
  • noun
  • Small sweet foods made mostly of sugar
  • verb
  • To coat food with sugar

expect

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US / ɪk'spekt /

UK / ɪkˈspɛkt /

A1
  • verb
  • To believe something is probably going to happen

crazy

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US / 'kreɪzɪ /

UK / ˈkrezi /

A2
  • adjecitve
  • Mentally ill; mad
  • Not being sensible or practical
  • Really like someone or something very much
  • noun
  • Person acting in a manner that is strange and odd

seven

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US / ˈsevn /

UK / ˈsɛvən /

A1
  • number
  • Number 7

want

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US / wɔnt /

UK / wɑnt, wɔnt /

A1
  • noun
  • Something you desire or wish for
  • State or condition of poverty
  • verb
  • To desire or wish for something; hope for a thing

frustrating

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US / frʌˈstreɪtɪŋ /

UK / frʌˈstretɪŋ /

B1
  • adjecitve
  • Annoying because things don't go the way you want
  • verb
  • To make annoyed because things don't go well

fix

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US / fɪks /

UK / fɪks /

A2
  • noun
  • Answer to a problem
  • verb
  • To arrange or prepare something
  • To attach something so it will not move or change
  • To dishonestly arrange the result of a game
  • To make an animal unable to produce young
  • To make something whole or able to work again

food

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US / fu:d /

UK / fud /

A1
  • noun
  • What people and animals eat to live
  • Things taken in by plants to maintain life
  • A particular style or type of cooking, e.g. Asian

loan

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US / ləʊn /

UK / lon /

A2
  • noun
  • Act of allowing someone to borrow something
  • verb
  • To give money, etc. that must be paid back

not

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US / nɒt /

UK / nɑt /

A1
  • adverb
  • Word indicating the negative
  • (Used to form the negative of verbs)

our

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US / 'aʊə(r) /

UK / aʊr /

A1
  • determiner
  • Belonging to us

october

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US / ɒkˈtəʊbə(r) /

UK / ɑkˈtobɚ /

A1
  • noun
  • 10th month of the year

seventy

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US / ˈsevnti /

UK / ˈsɛvənti /

A1
  • number
  • 70

shark

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US / ʃɑ:k /

UK / ʃɑ:rk /

B2
  • noun
  • Person who lends money at unfair rates of interest
  • Large and dangerous fish with sharp teeth

surge

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US / sɜ:dʒ /

UK / sɜ:rdʒ /

B2
  • noun
  • Sudden movement in one direction by many
  • Sudden or unexpected increase in amount
  • Unexpected increase or movement, as in sea/prices
  • verb
  • To move unexpectedly and quickly in one direction
  • To rise to an unexpected height

whole

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US / həul /

UK / hol /

A1
  • adjecitve
  • Complete or full; all of
  • Being in a good condition
  • noun
  • Complete amount or sum; total

blue

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US / blu: /

UK / blu /

A1
  • adjecitve
  • Color of the clear sky
  • Feeling sad or down

compare

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US / kəm'peə(r) /

UK / kəmˈpɛr /

A1
  • verb
  • To consider how similar and different things are

equity

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US / ˈekwəti /

UK / ˈɛkwɪti /

B1
  • noun
  • Condition of people being treated the same
  • Stocks and shares which pay no fixed interest
  • Value of a house, etc., minus the mortgage

member

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US / ˈmembə(r) /

UK / ˈmɛmbɚ /

A1
  • noun
  • Part of the body of a human, animal
  • Person or thing belonging to a group or team

please

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US / pli:z /

UK / pliz /

A1
  • adverb
  • Used when you politely ask people for things
  • verb
  • To entertain someone, by dancing, singing etc.
  • To make someone happy by doing something

yellowish

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US / ˈjeləʊɪʃ /

UK / ˈjeloʊɪʃ /

A2
  • adjecitve
  • Slightly yellow

would

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US / wʊd /

UK / wʊd /

A1
  • other
  • Used to indicate something imagined
  • Used to ask or request something politely
  • Verb used to indicate possibility, request etc.
  • Used to indicate a preference
  • Used to indicate a reaction
  • Indicates something that occurred repeatedly
  • Used to indicate willingness or ability to do

stock

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US / stɒk /

UK / stɑk /

B2
  • adjecitve
  • (E.g. of a response) standard; usual; not original
  • noun
  • Animals such as cattle kept for breeding
  • Tasty liquid added to stews, soups etc.
  • Merchandise; goods kept by a business for sale
  • Piece of a business, bought in the form of shares
  • verb
  • To keep some of, as items for sale

understand

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US / ˌʌndə'stænd /

UK / ˌʌndɚˈstænd /

A1
  • verb
  • To know the meaning of language, what someone says

can

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US / kæn /

UK / kən,kæn /

A1
  • noun
  • A metal container for storing food
  • other
  • Able to; have the skill to; have the time to
  • verb
  • To have permission to
  • To be possible to do
  • To preserve food by sealing it in a metal container

category

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US / ˈkætəgəri /

UK / ˈkætɪˌɡɔri, -ˌɡori /

B1
  • noun
  • Groups of things that are similar in some way

income

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US / ˈɪnkʌm /

UK / ˈɪnˌkʌm /

A1
  • noun
  • Earned money from work, investments or business

recent

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US / 'ri:snt /

UK / ˈrisənt /

A1
  • adjecitve
  • Happening or beginning not long ago

record

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US / 'rekɔ:d /

UK / ˈrekərd /

A1
  • noun
  • Highest or most extreme level achieved
  • Round plastic disc on which music has been stored
  • History of a person's past actions or achievements
  • verb
  • To indicate a temperature, speed, etc.; register
  • To write down or say what happened
  • To put music, sounds onto a device to store it

pandemic

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US / pæn'demɪk /

UK / pænˈdɛmɪk /

C2
  • adjecitve
  • (of a disease) existing in almost all of an area or in almost all of a group of people, animals, or
  • noun
  • a pandemic disease

sharply

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US / ˈʃɑ:pli /

UK / ˈʃɑ:rpli /

A2
  • adverb
  • In an angry or unfriendly manner
  • In a sharp manner; sharply

ship

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US / ʃɪp /

UK / ʃɪp /

A1
  • noun
  • Large boat
  • verb
  • To transport goods by boat, truck or plane

become

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US / bɪ'kʌm /

UK / bɪˈkʌm /

A1
  • verb
  • To begin to be; grow to be; develop into
  • To be suitable for a particular job or role

ninja

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US / ˈnɪndʒə /

UK / 'nɪndʒə /

C1
  • noun
  • Japanese martial arts warrior, often an assassin

same

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US / seɪm /

UK / sem /

A1
  • adjecitve
  • Being equal in quality and amount
  • Identical; not different
  • Not changing; constant

slow

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US / sləʊ /

UK / sloʊ /

A1
  • adjecitve
  • Lacking activity, busyness or excitement
  • (Clock) showing time earlier than the actual time
  • Having difficulty understanding simple things
  • Moving or happening without speed; not fast
  • verb
  • To move, with less speed than before
  • To move or go without much speed

subscribe

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US / səb'skraɪb /

UK / səbˈskraɪb /

B1
  • verb
  • To regularly pay to receive a service

and

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US / ənd /

UK / ənd, ən,ænd /

A1
  • conjunction
  • Used to refer to two or more things
  • Plus; in addition; on top of that
  • Used to introduce an action that follows another

money

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US / 'mʌnɪ /

UK / ˈmʌni /

A1
  • noun
  • Coins or notes we use to pay for things

until

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US / ənˈtɪl /

UK / ʌnˈtɪl /

A1
  • conjunction
  • Up to; to a time when something happens
  • preposition
  • Before (a specific time)

any

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US / 'enɪ /

UK / ˈɛni /

A1
  • adjecitve
  • One, or some, no matter which
  • pronoun
  • One (thing) of many; some

come

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US / kʌm /

UK / kʌm /

A1
  • verb
  • To arrive at a place
  • (Of mail) to be delivered
  • To move toward someone; go with someone
  • To reach a certain point or state

composition

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US / ˌkɒmpəˈzɪʃn /

UK / ˌkɑ:mpəˈzɪʃn /

A2
  • noun
  • Piece of writing, music etc.
  • A piece of music
  • Structure of a picture or image to make an effect

think

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US / θɪŋk /

UK / θɪŋk /

A1
  • verb
  • To have an idea about something without certainty
  • To have an idea, opinion or belief about something

friendly

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US / ˈfrendli /

UK / ˈfrɛndli /

A2
  • adjecitve
  • Acting like a friend; kind and helpful
  • noun
  • Game played not in a competition

nine

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US / naɪn /

UK / naɪn /

A1
  • number
  • 9

release

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US / rɪ'li:s /

UK / rɪ'li:s /

A2
  • noun
  • Act of freeing someone from a duty or burden
  • Introduction of a new product, film, book, etc.
  • Relief from sadness, suffering or trouble
  • Act of freeing from a jail, cage, prison, etc.
  • verb
  • To free someone from a responsibility or burden
  • To allow a film, music etc. to be sold/distributed
  • To allow to leave a jail, cage, etc.; let out
  • To let go of something you are holding

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

far

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US / fɑ:(r) /

UK / fɑr /

A1
  • adjecitve
  • A long way away
  • Being a long way away
  • adverb
  • To a large degree or extent

recession

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US / rɪˈseʃn /

UK / rɪˈsɛʃən /

B2
  • noun
  • Act of moving backward gradually
  • Decreased business activity, when work is scarce

owner

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US / ˈəʊnə(r) /

UK / ˈoʊnə(r) /

A1
  • noun
  • Person who owns or has something

picture

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US / 'pɪktʃə(r) /

UK / ˈpɪktʃɚ /

A1
  • noun
  • General situation or state of being
  • Mental image of what something is or looks like
  • Movie; film
  • Painting, drawing or photograph on paper or screen
  • verb
  • To understand or imagine something
  • To imagine someone or something in an image

tight

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US / taɪt /

UK / taɪt /

A2
  • adjecitve
  • Showing anxiety or anger; tense
  • Positioned physically close together
  • Managed or controlled in a strict and careful way
  • (Of road, bend) curving sharply
  • Drunk
  • Being equally matched in ability or score
  • Lacking extra space
  • Having limited time available
  • Being very limited in supply
  • Not generous; mean with money; stingy
  • (Rope or tie) pulled strongly
  • Being in a good solid relationship
  • adverb
  • Firmly; so it can't move

where

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US / hwɛə /

UK / hwɛr, wɛr /

A1
  • conjunction
  • At or in the place which
  • In whatever place
  • pronoun
  • Word you use to ask the location of something

college

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US / 'kɒlɪdʒ /

UK / 'kɑːlɪdʒ /

A2
  • noun
  • School or educational institution for adults

hey

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US / heɪ /

UK / he /

A1
  • exclamation
  • What you say when you want someone's attention

environment

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US / ɪn'vaɪrənmənt /

UK / ɛnˈvaɪrənmənt, -ˈvaɪən- /

A1
  • noun
  • Natural world in which plants and animals live
  • The entire surrounding conditions of something

real

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US / rɪəl /

UK / ˈriəl, ril /

A1
  • adjecitve
  • Actually existing or happening, not imagined
  • Being important or special

february

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US / ˈfebruəri /

UK / ˈfebrueri /

A1
  • noun
  • 2nd month of the year

gamestop

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US / /

UK / /

A1

keep

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US / ki:p /

UK / kip /

A1
  • noun
  • Large, strong tower in the middle of a castle
  • Money spent on you so you can live in a place
  • verb
  • To continue doing something; not to stop
  • To stop balls going in a goal in sports
  • To not give back or return something
  • (Of food) to not spoil or not rot
  • To take possession of something to own, e.g. a pet
  • To have and continue to hold something
  • To do something that you have promised or agreed
  • To stay in a certain place or condition
  • To maintain the rules

paint

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US / peɪnt /

UK / pent /

A1
  • noun
  • Colored liquid you apply with a brush
  • verb
  • To make a picture with colored liquids
  • To describe as
  • To apply a color, oil or sealant with a brush

unemployment

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US / ˌʌnɪmˈplɔɪmənt /

UK / ˌʌnɛmˈplɔɪmənt,-ɪm- /

B1
  • noun
  • Number of people without jobs in a country
  • State of not having a job

most

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US / məʊst /

UK / most /

A1
  • adverb
  • Very; extremely
  • Greatest possible degree
  • pronoun
  • Nearly all of something

mostly

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US / ˈməʊstli /

UK / ˈmoʊstli /

A2
  • adverb
  • In large part; mainly or chiefly

concept

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US / 'kɒnsept /

UK / ˈkɑnˌsɛpt /

A2
  • noun
  • Abstract idea of something or how it works

from

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US / frəm /

UK / frʌm, frɑm,frəm /

A1
  • preposition
  • Starting at a particular place, time or level

minus

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US / ˈmaɪnəs /

UK / ˈmaɪnəs /

A2
  • adjecitve
  • Being close to the bottom of a letter grade
  • noun
  • Negative quality; disadvantage
  • Sign that indicates subtraction
  • preposition
  • Being less than zero in number
  • Used when subtracting one number from another
  • verb
  • To take one number away from another; subtract

out

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US / aʊt /

UK / aʊt /

A1
  • adverb
  • No longer stylish (e.g. fashion)
  • Away from home, business, or the usual place
  • In a direction/movement away from inside or center
  • noun
  • Act when a batter cannot continue playing
  • verb
  • To tell people a secret

over

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US / 'əʊvə(r) /

UK / ˈovɚ /

A1
  • adverb
  • Finished; no longer happening
  • Towards the ground/away from a standing position
  • noun
  • A set of six consecutive balls bowled in cricket
  • other
  • Finished
  • preposition
  • Showing the relation when a thing is above another
  • On or covering something
  • Above or across something
  • More than you need
  • From one side to the other
  • In the direction of; toward

share

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US / ʃeə(r) /

UK / ʃɛr /

A2
  • noun
  • Part-ownership in a property, business or company
  • Part of a company you own, shown by a certificate
  • verb
  • To divide something between two or more people
  • To allow others to use your things equally
  • To give information, etc. to someone

board

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US / bɔ:d /

UK / bɔrd, bord /

A1
  • noun
  • Surface for posting or showing information
  • Group of persons who direct an organization
  • Long piece of material used for riding the waves
  • Long thin piece of wood, used for building; plank
  • verb
  • To enter a ship, plane, or other vehicle
  • To cover with long wooden strips of wood
  • To pay money to live in someone's house; lodge

extremely

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US / ɪkˈstri:mli /

UK / ɪk'strimlɪ /

B1
  • adverb
  • In a way that is much more than usual or expected

few

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US / fju: /

UK / fju /

A1
  • pronoun
  • Not many, a small number

labor

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US / 'leɪbə(r) /

UK / ˈlebɚ /

A1
  • noun
  • The people with work in a community
  • All of the workers in a country, specific company
  • verb
  • To struggle to do something because it's difficult
  • To work hard (often physically) for many hours

eight

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US / eɪt /

UK / et /

A1
  • number
  • 8

opinion

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US / əˈpɪnjən /

UK / əˈpɪnjən /

A2
  • noun
  • Court judge's statement why a decision was made
  • A person's thoughts on a topic

control

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US / kən'trəʊl /

UK / kənˈtrol /

A1
  • noun
  • A device designed to operate a machine
  • Participant in experiment that is left untouched
  • Act to dominate or command; make manageable
  • A law limiting the growth or spread of something
  • A place which overseas or manages e.g. a factory
  • verb
  • To direct or influence the behavior of something

those

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US / ðəʊz /

UK / ðoz /

A1
  • determiner
  • The people or things we are talking about
  • pronoun
  • The objects far from the speaker

check

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US / tʃek /

UK / tʃɛk /

A1
  • adjecitve
  • Decorated with squares made up of lines
  • noun
  • Paper showing how much you owe at a restaurant
  • Printed piece of paper you sign to pay for things
  • A mark on a form, equivalent to 'yes'; tick
  • Mark used to show that something is correct
  • Procedure to prevent errors or control something
  • verb
  • To confirm the details of something are correct
  • To leave your things with staff who look after it
  • To examine something to see if something is wrong
  • To examine in order to prevent errors/a problem

green

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US / gri:n /

UK / ɡrin /

A1
  • adjecitve
  • Color of young leaves
  • Covered with vegetation, e.g. grass
  • Concerned about protecting the environment
  • The color of young leaves
  • Lacking in experience/knowledge due to being young
  • Being not fully grown or ripe, as in fruit
  • noun
  • Large grassy area
  • used as a part of a name of a place (UK)

question

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US / 'kwestʃən /

UK / ˈkwɛstʃən /

A1
  • noun
  • Issue or problems you are dealing with
  • What you ask about; issue
  • verb
  • To ask for or try to get information
  • To have or express concerns or uncertainty

struggle

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US / 'strʌɡl /

UK / ˈstrʌɡəl /

A2
  • noun
  • Strong efforts made to do something difficult
  • verb
  • To try very hard to do something difficult

shoot

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US / ʃu:t /

UK / ʃut /

A2
  • noun
  • Emerging new part of a plant
  • verb
  • To kick or throw a ball at a goal
  • To fire a gun; injure or kill someone with a gun
  • To (cause to) fly away forcefully
  • To use a camera to record a film/take a photograph

situation

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US / ˌsɪtʃuˈeɪʃn /

UK / ˌsɪtʃuˈeʃən /

A1
  • noun
  • Place, position or area that something is in
  • Circumstance or condition surrounding an event
  • An unexpected problem or difficulty

everybody

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US / ˈevribɒdi /

UK / ˈɛvriˌbɑdi, -ˌbʌdi /

A1
  • pronoun
  • Every person; everyone

grow

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US / ɡrəʊ /

UK / ɡro /

A1
  • verb
  • To get bigger and more mature; make plants do this
  • To improve; to develop better skills over time
  • To develop and become bigger or taller over time

foreclosure

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US / fɔ:ˈkləʊʒə(r) /

UK / fɔ:rˈkloʊʒə(r) /

C1
  • noun
  • Proceedings to gain assets when debt is not paid

mortgage

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US / 'mɔ:ɡɪdʒ /

UK / ˈmɔrɡɪdʒ /

B1
  • noun
  • Long-term loan from a bank for buying property

thirteenth

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US / ˌθɜ:'ti:nθ /

UK / θə:ˈtinθ /

A1
  • noun
  • 13th

shocker

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US / ˈʃɒkə(r) /

UK / ˈʃɑ:kə(r) /

B1
  • noun
  • An extremely bad performance

well

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US / wel /

UK / wɛl /

A1
  • adjecitve
  • Being in a fortunate, good condition or state
  • Healthy and in good condition
  • adverb
  • In an acceptable, proper, or successful manner
  • In a complete, total, or full manner
  • A great and considerable degree
  • In a successful way, in a good or satisfactory way
  • exclamation
  • Used to begin or continue a particular statement
  • Used to show you want to start saying something
  • Used to express that you are waiting for a reply
  • You say this to change the topic of a conversation
  • Used to indicate you are making a final remark
  • noun
  • Long deep hole in the ground to get water
  • verb
  • To cause your eyes to fill with tears

card

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US / kɑ:d /

UK / kɑ:rd /

A1
  • noun
  • One of 54 pieces of paper used in a game of cards
  • Small piece of paper or plastic used as ID
  • verb
  • (Golf) to record how many hits you took

consumer

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US / kənˈsju:mə(r) /

UK / kənˈsumɚ /

A2
  • noun
  • Person who buys goods or services

cycle

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US / ˈsaɪkl /

UK / ˈsaɪkəl /

A2
  • noun
  • Series of regular and repeated actions
  • Bicycle, bike
  • verb
  • To go through a series of events repeatedly
  • To ride on a bicycle

home

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US / həʊm /

UK / hom /

A1
  • adjecitve
  • A sports team's own field or place of play
  • adverb
  • Into the correct or intended position
  • noun
  • House, apartment or building to be rented or sold
  • Institution for sick or elderly people
  • Place where a person or a family lives
  • Country where a person lives or was born
  • Region that is native to peoples, plant or animals
  • verb
  • To move towards a particular target location

just

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US / dʒʌst /

UK / dʒʌst /

A1
  • adjecitve
  • Proper or appropriate; as is deserved
  • Doing or being what is right or fair
  • Legally correct; having enough evidence
  • adverb
  • Almost; nearly
  • Exactly at the time of
  • Exactly (the same as, like)

line

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US / laɪn /

UK / laɪn /

A1
  • noun
  • Border that divides two places or regions
  • Long crease in the skin, often from age
  • Mark that is long, straight and very thin
  • Row of words, letters or numbers that are written
  • Telephone connection
  • People waiting one behind the other; queue
  • Long thin wire, e.g. for electrical signal
  • verb
  • To put material along the inside of something

report

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US / rɪ'pɔ:t /

UK / rɪˈpɔrt, ˈport /

A1
  • noun
  • Account of the necessary facts and information
  • The telling of news in the media
  • Official statement about something
  • verb
  • To submit a report or bill to the government
  • To write in a newspaper or speak on a news program
  • To state something officially
  • To officially present yourself to an authority
  • To describe something by telling it to others

talk

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US / tɔ:k /

UK / tɔk /

A1
  • noun
  • Style of speaking
  • Discussion between two countries
  • Giving information in front of people; lecture
  • Saying things or ideas to someone with words
  • verb
  • To make a formal speech about something
  • To say things or ideas to someone with words

for

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US / fə(r) /

UK / fɔr,fə /

A1
  • preposition
  • Used to show the purpose, or need of something

reminder

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US / rɪˈmaɪndə(r) /

UK / rɪˈmaɪndər /

A2
  • noun
  • Something that causes one to remember something

spend

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US / spend /

UK / spɛnd /

A2
  • verb
  • To use money to pay for something
  • To use time in order to do something
  • To use up something completely

time

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US / taɪm /

UK / taɪm /

A1
  • noun
  • Speed at which music is played; tempo
  • Point as shown on a clock, e.g. 3 p.m
  • Number of hours, minutes needed to do something
  • Occasion when something happens
  • Period or occasion that something occurred
  • Period in history or the past
  • Something measured in minutes, hours, days, etc.
  • How long an event takes; duration
  • verb
  • To check speed at which music is performed
  • To choose a specific moment to do something
  • To measure how long an event takes, e.g. a race
  • To schedule something to occur at a specific moment

short

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US / ʃɔ:t /

UK / ʃɔrt /

A1
  • adverb
  • Less than what is needed
  • Suddenly stopping what you are saying or doing
  • verb
  • (Of electric circuit) to spark because faulty
  • adjecitve
  • Measuring a small distance
  • Happening for a small amount of time
  • Unfriendly or rude

why

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US / waɪ /

UK / hwaɪ, waɪ /

A1
  • adverb
  • Question word to ask for a reason
  • exclamation
  • (Used to express surprise or approval)

max

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US / mæks /

UK / mæks /

A2
  • noun
  • Person's name
  • Short for 'maximum'

afford

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US / ə'fɔ:d /

UK / əˈfɔrd, əˈford /

A2
  • verb
  • To make available, to provide
  • To have enough money to pay for something

explain

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US / ɪk'spleɪn /

UK / ɪkˈsplen /

A1
  • verb
  • To make clear or easy to understand by describing

day

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US / deɪ /

UK / de /

A1
  • noun
  • A period of 24 hours beginning at midnight
  • The period of time when it is light outside
  • Person's name

comeback

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US / ˈkʌmbæk /

UK / ˈkʌmˌbæk /

B2
  • noun
  • A clever or witty retort or reply
  • Return of a celebrity to their previous success

point

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US / pɔɪnt /

UK / pɔɪnt /

A1
  • noun
  • An item to be discussed
  • Small spot or dot
  • Fact or detail
  • Feature of something
  • The size of the text on a page or screen
  • A certain time or stage in a process
  • Certain position in time or space
  • Idea or fact you try to convince people about
  • Measurement of scores in a game, sport
  • Sharp end of something, e.g. a pen or pin
  • verb
  • To face a certain direction, e.g. north
  • To indicate something with your finger to others

basic

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US / 'beɪsɪk /

UK / ˈbesɪk /

A1
  • adjecitve
  • At the most important or easiest (beginner) level

feel

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US / fi:l /

UK / fil /

A1
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

inflation

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US / ɪn'fleɪʃn /

UK / ɪnˈfleʃən /

B1
  • noun
  • Act of filling something with air or gas
  • Continual rise in the prices of products

listen

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US / ˈlɪsn /

UK / ˈlɪsən /

A1
  • verb
  • To carefully consider what someone is saying

market

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US / ˈmɑ:kɪt /

UK / ˈmɑ:rkɪt /

A1
  • noun
  • Need or demand for a particular product or service
  • Area or region where a certain product is sold
  • Public event where people sell goods on tables
  • Institution where stocks are bought and sold
  • verb
  • To publicize products to get you to buy; advertise

normal

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US / 'nɔ:ml /

UK / ˈnɔrməl /

A1
  • adjecitve
  • Standard or regular way of doing something
  • Having standard mental or physical ability, health

past

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US / pɑ:st /

UK / pæst /

A2
  • adjecitve
  • No longer current or new
  • adverb
  • So as to go beyond, or further than something
  • noun
  • Time that existed before now, e.g. long ago
  • preposition
  • After a particular time
  • At a later point in distance; beyond

reason

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US / 'ri:zn /

UK / ˈrizən /

A1
  • noun
  • Ability to think about facts and form a judgment
  • Explanation for why something occurred or was done
  • verb
  • To think and make conclusions in a logical manner

economy

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US / ɪ'kɒnəmɪ /

UK / ɪˈkɑnəmi /

A1
  • noun
  • Using money, resources in a careful, effective way
  • Total of all goods, services and wages in an area

four

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US / fɔ:(r) /

UK / fɔr, for /

A1
  • number
  • 4

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

A1
  • adverb
  • That is likely to happen or be true

obviously

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US / ˈɒbviəsli /

UK / ˈɑːbviəsli /

A2
  • adverb
  • In a way that is obvious/easy to see or understand

always

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US / 'ɔ:lweɪz /

UK / ˈɔlwez,-wɪz,-wiz /

A1
  • adverb
  • For a very long time
  • At all times; in every situation
  • For ever

appear

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US / ə'pɪə(r) /

UK / əˈpɪr /

A1
  • verb
  • To be seen, become visible; come into sight
  • To seem to be
  • To act in a play, movie, or be mentioned in media

already

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US / ɔ:lˈredi /

UK / ɔlˈrɛdi /

A1
  • adverb
  • Having happened or been done before this time

expense

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US / ɪk'spens /

UK / ɪkˈspɛns /

B1
  • noun
  • Money you have to pay to do part of your job
  • Paying money for something (big)
  • When resources e.g. time is used to do something

many

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US / 'menɪ /

UK / ˈmɛni /

A1
  • determiner
  • Used to refer a large number of things

relate

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US / rɪ'leɪt /

UK / rɪˈlet /

A2
  • verb
  • To demonstrate a logical relationship between
  • To understand or sympathize with, e.g. a problem
  • To tell a story, or tell about a particular event

shelter

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US / 'ʃeltə(r) /

UK / ˈʃɛltɚ /

B1
  • noun
  • Place to protect people/animals from abuse
  • Structure that covers or protects things
  • State of being protected from danger, bad weather
  • verb
  • To give animals, people a place away from abuse
  • To find protection from danger/bad weather

will

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US / wɪl /

UK / wɪl /

A1
  • noun
  • Desire or choice of someone
  • Document saying who gets your money when you die
  • Strong desire to do something; determination
  • Desire to do something; strong wish to do
  • other
  • Used with verbs to express the future
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • Am (is, are) likely to do
  • To influence someone to do something
  • To make something happen by strongly wanting it

available

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US / əˈveɪləbl /

UK / əˈveləbəl /

A1
  • adjecitve
  • Present and able to be used
  • Able to be used at a scheduled time

here

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US / hɪə(r) /

UK / hɪr /

A1
  • adverb
  • In this place; at this location, position or time

housing

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US / ˈhaʊzɪŋ /

UK / ˈhaʊzɪŋ /

A2
  • noun
  • Homes; houses in general
  • Cover for a machine
  • verb
  • To give someone a place to live
  • To contain or store something

logically

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US / 'lɒdʒɪklɪ /

UK / ˈlɑdʒɪkl:ɪ /

A2
  • adverb
  • In a reasonable and practical manner

new

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US / nju: /

UK / nu, nju /

A1
  • adjecitve
  • Not old, recently born, built or made
  • Being or doing something for the first time
  • Not felt, seen or known previously
  • Having been recently bought or obtained

politician

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US / ˌpɒləˈtɪʃn /

UK / ˌpɑlɪˈtɪʃən /

A2
  • noun
  • Someone whose job is in politics

use

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US / ju:s /

UK / ju:s /

A1
  • noun
  • Ability to employ something
  • Need to enable it to work
  • Permission to do something with something
  • Act of spending money
  • Operation of a machine for its function
  • verb
  • To have; to eat, drink, consume etc.
  • To need to operate or work
  • To operate a machine, e.g. a computer
  • To treat a person badly
  • To do something with, for a task or purpose

speak

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US / spi:k /

UK / spik /

A1
  • verb
  • To be able to use a certain language
  • To use words to tell information, express thoughts

debt

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US / det /

UK / dɛt /

A2
  • noun
  • Sum of money owed to someone that is not yet paid

reality

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US / rɪ'ælətɪ /

UK / riˈælɪti /

A2
  • noun
  • What is true, as opposed to what is imagined

story

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US / 'stɔ:rɪ /

UK / ˈstɔri, ˈstori /

A1
  • noun
  • One of many floors or levels in a building
  • Account or description of how something happened

straight

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US / streɪt /

UK / stret /

A2
  • adjecitve
  • Not having curves, bends, or angles
  • Not gay; heterosexual
  • honest and direct
  • adverb
  • in a line; immediately; honestly and directly

age

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US / eɪdʒ /

UK / edʒ /

A1
  • verb
  • To keep food, wine for a long time to improve it
  • To get older
  • noun
  • Period of time in history
  • Number of years a person or thing has lived

balance

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US / ˈbæləns /

UK / ˈbæləns /

A2
  • noun
  • Instrument for weighing things
  • Being stable; having equal weight on both sides
  • Money remaining after paying costs
  • verb
  • To be steady by having equal weight on both sides
  • To make two or more things equal

medical

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US / ˈmedɪkl /

UK / ˈmɛdɪkəl /

A2
  • adjecitve
  • Of or relating to physical health or medicine
  • noun
  • A health check or test

summary

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US / ˈsʌməri /

UK / ˈsʌməri /

B1
  • adjecitve
  • Brief, complete and accurate
  • noun
  • Shorter statement of the most important parts

should

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US / ʃʊd /

UK / ʃʊd /

A1
  • other
  • Used to indicate what is proper or reasonable

truth

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US / tru:θ /

UK / truθ /

A2
  • noun
  • Real facts about something

also

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US / 'ɔ:lsəʊ /

UK / ˈɔlso /

A1
  • adverb
  • In addition; too; in a similar way

five

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US / faɪv /

UK / faɪv /

A1
  • number
  • 5

how

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US / haʊ /

UK / haʊ /

A1
  • adjecitve
  • To what degree? in what amount?
  • adverb
  • (Used to explain the way to do something)
  • exclamation
  • For what purpose or reason?
  • (Used to ask someone or something's condition)

live

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US / lɪv /

UK / liv /

A1
  • adjecitve
  • Being broadcast as events happen, not recorded
  • Carrying electric current; able to give a shock
  • Glowing because burning; hot
  • Not yet killed (for food)
  • adverb
  • (Music, drama) as it is performed
  • verb
  • To be alive
  • To experience a particular type of life
  • To make your home in a house or town

january

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US / ˈdʒænjuəri /

UK / ˈdʒænjueri /

A1
  • noun
  • 1st month of the year

payment

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US / ˈpeɪmənt /

UK / ˈpemənt /

A2
  • noun
  • Amount of money that is paid for something

therefore

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US / ˈðeəfɔ:(r) /

UK / ˈðerfɔ:(r) /

A1
  • adverb
  • And so; for that reason

year

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US / jə: /

UK / jɪr /

A1
  • noun
  • Unit of time equal to 12 months or 365 or 366 days
  • Used to refer to the age of a person

you

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US / jʊ /

UK / ju /

A1
  • pronoun
  • Person someone is speaking or writing to
  • Person or people in general

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

necessity

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US / nəˈsesəti /

UK / nəˈsɛsɪti /

B1
  • noun
  • Something that you must have or do

let

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US / let /

UK / lɛt /

A1
  • verb
  • To allow someone to do something
  • Introducing a suggestion to do something together
  • To rent a house, etc. to others

rate

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US / reɪt /

UK / ret /

A1
  • noun
  • Current price or cost of something
  • Speed or frequency of events over time
  • verb
  • To assess something or consider its qualities

the

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US / ðə /

UK / ðə /

A1
  • article
  • Used to refer to something already mentioned
  • Used to show there is only one of something
  • determiner
  • Used to describe all of a family

below

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US / bɪ'ləʊ /

UK / bɪˈlo /

A1
  • preposition
  • In a lower position, place, or level

make

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US / meɪk /

UK / mek /

A1
  • noun
  • Product made by a particular company; brand
  • verb
  • To arrange or prepare something e.g. dinner
  • To get to (a place) on time
  • To gain the status of (teacher, lawyer, etc.)
  • To create something by putting things together
  • To earn a certain amount of money at a job
  • To cause or force a person to do something
  • To cause something to happen or be formed

wage

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US / weɪdʒ /

UK / wedʒ /

A2
  • noun
  • Money paid to a worker for the hours they worked
  • verb
  • To start (war, etc.) to achieve a particular goal

level

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US / 'levl /

UK / ˈlɛvəl /

A2
  • adjecitve
  • (Sports) equal to another
  • Being steady and determined (e.g. a voice)
  • noun
  • Specific height of something
  • Amount of ability you have compared to others
  • Floor or deck within a building
  • Tool used to determine if something is lying flat
  • verb
  • To aim a gun at someone
  • To destroy a building; flatten an area completely
  • To make things flat or even
  • To make a score equal to another, in sports

price

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US / praɪs /

UK / praɪs /

A1
  • noun
  • Person's name
  • Cost of something in money
  • verb
  • To determine or set the cost of something

skyrocket

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US / 'skaɪrɒkɪt /

UK / ˈskaɪˌrɑkɪt /

A1
  • verb
  • (Prices or things) to increase suddenly

surprised

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US / səˈpraɪzd /

UK / sərˈpraɪzd /

A1
  • adjecitve
  • Feeling a shock when something unexpected happens
  • verb
  • To do something that another person didn't expect

across

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US / əˈkrɔs /

UK / əˈkrɔs,əˈkrɑs /

A1
  • adverb
  • Distance from one side to another
  • (Go) from one side to the other of something

may

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US / meɪ /

UK / me /

A1
  • noun
  • 5th month of the year
  • other
  • Used to express a desire
  • Expresses permission, possibility or probability
  • Used to show that a thing could be true

paycheck

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US / 'peɪtʃek /

UK / ˈpeˌtʃɛk /

A1
  • noun
  • Check issued in payment of wages or salary

this

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US / ðɪs /

UK / ðɪs /

A1
  • adjecitve
  • Used to indicate something already been discussed
  • Used to indicate something happening around now
  • adverb
  • An indication by a physical motion or gesture
  • A specific amount of
  • determiner
  • Person, thing, or idea near you
  • pronoun
  • Person, thing that has already been discussed

trend

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US / trend /

UK / trɛnd /

A2
  • noun
  • Current style or fashion
  • Direction things are moving in; current style
  • General direction that is taken
  • verb
  • To be current and popular
  • To move up or down

shop

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US / ʃɒp /

UK / ʃɑ:p /

A1
  • noun
  • Place to learn how to fix or make things; class
  • Place where things are fixed or repaired, e.g. cars
  • Place which sells things
  • verb
  • To look for or buy goods or services

bad

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US / bæd /

UK / bæd /

A1
  • adjecitve
  • Not good; wrong
  • Lacking in good morals; evil
  • No longer fresh; spoiled

cetera

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US / ˈsetərə /

UK / ˈsetərə /

A1
  • other

december

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US / dɪˈsembə(r) /

UK / dɪˈsɛmbɚ /

A1
  • noun
  • The 12th month of the year

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

other

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US / 'ʌðə(r) /

UK / ˈʌðər /

A1
  • adjecitve
  • A thing different from that mentioned
  • determiner
  • (Something) else; not the first (one)
  • pronoun
  • Being the one and only thing of that category

one

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US / wʌn /

UK / wʌn /

A1
  • pronoun
  • You; we; people in general; someone
  • The thing or person previously referred to
  • adjecitve
  • Used to refer to people generally
  • Being a strong example of (something mentioned)
  • number
  • Number 1

stressful

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US / ˈstresfl /

UK / ˈstrɛsfəl /

A2
  • adjecitve
  • Worrying; causing tension

than

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US / ðən /

UK / ðən /

A1
  • conjunction
  • Used to compare two things that are not equal

gdp

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US / ˌdʒiː diː ˈpiː /

UK / ˌdʒiː diː ˈpiː /

A1
  • abbreviation
  • GDP is an acronym

less

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US / les /

UK / lɛs /

A1
  • adjecitve
  • Smaller in amount or degree
  • adverb
  • To a smaller degree
  • noun
  • A smaller amount
  • preposition
  • With the subtraction of

wish

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US / wɪʃ /

UK / wɪʃ /

A1
  • noun
  • Expression of a hope for something in the future
  • verb
  • To want something to happen or to become true

datum

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US / ˈdeɪtəm /

UK / ˈdetəm, ˈdætəm, ˈdɑtəm /

B1
  • noun
  • Item of factual information

government

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US / ˈgʌvənmənt /

UK / ˈɡʌvənmənt /

A1
  • noun
  • Group of people and system that rule a nation

honest

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US / ˈɒnɪst /

UK / ˈɑnɪst /

A2
  • adjecitve
  • Good, truthful, sincere, or faithful; trustworthy

instance

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US / 'ɪnstəns /

UK / ˈɪnstəns /

A2
  • noun
  • An example of something; case
  • verb
  • To give as an example of something else

percent

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US / pə'sent /

UK / pɚˈsɛnt /

A2
  • adverb
  • One one-hundredth of a whole; the symbol %

sad

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US / sæd /

UK / sæd /

A1
  • adjecitve
  • Unhappy; wishing something hadn't happened

with

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US / wɪð /

UK / wɪð, wɪθ /

A1
  • preposition
  • As an employee of a certain company
  • Against something or someone
  • By using something as a means
  • Due to; because of
  • Including
  • Possessing as a feature
  • Related to
  • (Of the manner/attitude by which you do something)
  • Used to express that people or things are together

break

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US / breɪk /

UK / brek /

A1
  • noun
  • Time you stop an activity before continuing
  • End of a relationship
  • An escape from a place such as a jail
  • (Lucky) advantage or benefit from something
  • Find a solution or answer to a problem or crime
  • Change in the weather
  • verb
  • To create a new record e.g. running the 100m dash
  • To form a crack in something
  • To burst or become damaged
  • To end a relationship
  • To escape from a place such as a jail
  • To train a wild animal e.g. a horse
  • To separate into pieces by force, or by dropping
  • To act against a law, rule, or promise
  • To become known suddenly, as in the news
  • To not do what you promised e.g. not keep promises
  • To solve a crime, or answer a problem
  • To stop functioning properly
  • To suddenly start, open or commence
  • To change in pitch suddenly, as in a voice
  • To fall on the shore, as in waves
  • To begin or change suddenly; the dawn or weather
  • To defeat by causing the person to lose their will

awful

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US / ˈɔ:fl /

UK / ˈɔfəl /

A2
  • adjecitve
  • Very bad; horrible; terrible

feed

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US / fi:d /

UK / fid /

A2
  • noun
  • Food given to animals
  • verb
  • To give food, e.g. to animals or a baby
  • To push something through an opening
  • To provide necessary supplies to

increase

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US / ɪn'kri:s /

UK / ɪnˈkris /

A1
  • noun
  • Fact of increasing; amount something grows by
  • verb
  • To make or become larger in size or amount

end

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US / end /

UK / ɛnd /

A1
  • noun
  • The point where a process or activity stops
  • A point that marks the limit of something; finish
  • Goal or desired result
  • The tip, edge or limit of something
  • verb
  • To be the last part of something

interest

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US / 'ɪntrəst /

UK / ˈɪntrɪst, -tərɪst, -ˌtrɛst /

A1
  • noun
  • Best or most advantageous thing for someone
  • Activity or subject one enjoys doing or learning
  • Fee for borrowing money
  • verb
  • To make someone want to know about something
  • To persuade to do, become involved with something

focus

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US / 'fəʊkəs /

UK / ˈfokəs /

A2
  • noun
  • Main purpose or center of interest or activity
  • verb
  • To see clearly by adjusting your eyes or a camera
  • To keep your attention, concentration on one thing

remember

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US / rɪ'membə(r) /

UK / rɪˈmɛmbɚ /

A1
  • verb
  • To give someone a gift, e.g. birthday, wedding
  • To hold a thought in your mind to not forget it
  • To bring a previous image or idea to your mind

twelve

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US / twelv /

UK / twɛlv /

A1
  • number
  • 12

low

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US / ləʊ /

UK / lo /

A1
  • adjecitve
  • Having a small quantity, supply, or amount
  • Being unhappy or unpleasant in attitude
  • Not high; being near the ground, or bottom
  • (Of a voice, sound) being soft; quiet
  • noun
  • Situation of not having a lot of something

pawn

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US / pɔ:n /

UK / pɔn /

C1
  • noun
  • Person used to advance the purposes of another

magically

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US / 'mædʒɪklɪ /

UK / 'mædʒɪklɪ /

B1
  • adverb
  • In a manner that uses or involves magic

page

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US / peɪdʒ /

UK / pedʒ /

A1
  • noun
  • Person's name
  • One side of a sheet of paper
  • (Olden times) boy servant of a king or queen
  • Screen of information on an online service
  • verb
  • To call for someone via a phone or speaker

see

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US / si: /

UK / si /

A1
  • verb
  • To go on a date with someone
  • To predict whether something is, or will be true
  • To understand what someone says
  • To use your eyes to look at something
  • To visit a place often for sightseeing or pleasure
  • To visit or meet with someone
  • To find out by waiting or looking
  • To watch (a game, movie or TV show)

before

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US / bɪˈfɔ:(r) /

UK / bɪˈfɔr,-ˈfor /

A1
  • adverb
  • At a time earlier than the present; previously
  • conjunction
  • In advance of something happening
  • preposition
  • In front of someone or something

information

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US / ˌɪnfəˈmeɪʃn /

UK / ˌɪnfɚˈmeʃən /

A1
  • noun
  • Collection of facts and details about something

have

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US / həv /

UK / hæv /

A1
  • verb
  • To drink, smoke, eat or use something
  • To experience the effects of something
  • To organize an event, or join in an activity
  • To own, possess, or hold something
  • To cause to happen or produce a particular effect

last

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US / lɑ:st /

UK / læst /

A1
  • adjecitve
  • Most recent; the latest
  • The one before
  • adverb
  • Final; with nothing following; after all others
  • Most recent; the latest
  • determiner
  • The one at the end
  • verb
  • To remain or continue for a certain period of time

six

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US / sɪks /

UK / sɪks /

A1
  • number
  • 6

sixty

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US / 'sɪkstɪ /

UK / ˈsɪksti /

A1
  • number
  • 60

federal

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US / 'fedərəl /

UK / ˈfɛdərəl, ˈfɛdrəl /

B1
  • adjecitve
  • Consisting of several united states

group

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US / ɡru:p /

UK / ɡrup /

A1
  • noun
  • Two or more musicians who play music together
  • Number of people or things gathered together
  • verb
  • To combine or collect objects or people together

month

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US / mʌnθ /

UK / mʌnθ /

A1
  • noun
  • One of 12 28-31 day periods in the year

ninety

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US / 'naɪntɪ /

UK / ˈnaɪnti /

A1
  • number
  • 90

know

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US / nəʊ /

UK / noʊ /

A1
  • verb
  • To be familiar with a person or place, thing
  • To feel sure or be convinced about something
  • To discover or be aware of something
  • To be able to distinguish
  • To have knowledge of things

repeat

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US / rɪˈpi:t /

UK / rɪˈpit /

A2
  • noun
  • Action that is done again
  • Musical passage that is to be played again
  • Radio or television program that was shown before
  • verb
  • To do something over again
  • To say something you have learned and memorized
  • To relate something you have been told by another
  • To say something again

adjustable

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US / əˈdʒʌstəbl /

UK / ə'dʒʌstəbḷ /

A2
  • adjecitve
  • Able to be changed to fit or work better

next

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US / nekst /

UK / nɛkst /

A1
  • adverb
  • The one that follows another in time or order
  • At a time or place directly after the present one
  • noun
  • The one that follows after
  • adjecitve
  • Immediately after the previous one
  • First occurrence after the present one

problem

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US / ˈprɒbləm /

UK / ˈprɑbləm /

A1
  • adjecitve
  • Causing trouble
  • noun
  • Something difficult to deal with or causes trouble
  • Question to show understanding of a math concept

holiday

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US / ˈhɒlədeɪ /

UK / ˈhɑ:lədeɪ /

A1
  • noun
  • Day when people don't go to work or school
  • A day for a culture to celebrate; festival day
  • Time of year when people go somewhere for fun/rest

delinquent

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US / dɪˈlɪŋkwənt /

UK / dɪˈlɪŋkwənt,-ˈlɪn- /

B2
  • noun
  • Poor or unacceptable

disbelief

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US / ˌdɪsbɪˈli:f /

UK / ˌdɪsbɪˈlif /

A2
  • noun
  • Feeling that something cannot be real or true

disgust

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US / dɪs'ɡʌst /

UK / dɪsˈɡʌst /

B2
  • noun
  • Strong feeling of dislike for something
  • verb
  • To cause a strong negative reaction or feeling

heart

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US / hɑ:t /

UK / hɑrt /

A1
  • noun
  • A feeling of care for others; compassion
  • Courage, confidence, and emotional strength
  • Be cheerfully encouraging
  • Most essential, important, or central part
  • Referring to a promise or something important
  • State or feelings of affection or deep love
  • Core part of a vegetable, e.g. a lettuce
  • The part of the body that pumps blood
  • Place where emotions are believed to be felt
  • A shape that represents love

nowhere

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US / 'nəʊweə(r) /

UK / ˈnoˌhwɛr, -ˌwɛr /

A2
  • adverb
  • Not in or at any place; no place

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

shocking

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US / ˈʃɒkɪŋ /

UK / ˈʃɑkɪŋ /

A2
  • adjecitve
  • Very upsetting due to some unexpected event
  • verb
  • To affect someone with an electrical current
  • To cause great surprise, horror, or anger

america

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US / ə'merɪkə /

UK / əˈmɛrɪkə /

A1
  • noun
  • The United States of America; North America and/or South America

all

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US / ɔ:l /

UK / ɔl /

A1
  • adverb
  • Completely; totally
  • determiner
  • Being every one of something
  • pronoun
  • 100% of something; the complete amount

fast

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US / fɑ:st /

UK / fæst /

A1
  • adjecitve
  • In a way that is difficult to move or change
  • Moving or able to move quickly
  • Showing time that is later than the actual time
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  • With a great deal of speed
  • noun
  • Period of time when a person chooses not to eat
  • verb
  • To refuse food for a long time

neighbour

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US / 'neɪbə(r) /

UK / ˈnebɚ /

B1
  • noun
  • Person who lives, or is near, you

take

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US / teɪk /

UK / tek /

A1
  • noun
  • Filming of a single scene for TV or the movies
  • verb
  • To accept something that is offered
  • To use a method of traveling, e.g. a bus or train
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  • To study a subject in school
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clearly

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US / ˈklɪəlɪ /

UK / ˈklɪrlɪ /

A1
  • adverb
  • In a way that is easy to understand; obviously

honestly

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US / ˈɒnɪstli /

UK / ˈɑnɪstli /

A2
  • adverb
  • With truth or sincerity; I'm being honest with you

delinquency

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US / dɪˈlɪŋkwənsi /

UK / dɪˈlɪŋkwənsi, -ˈlɪn- /

B2
  • noun
  • Bad behavior or crimes
  • State of owing money

eighteen

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US / ˌeɪˈti:n /

UK / eˈtin /

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  • number
  • 18

old

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US / əʊld /

UK / old /

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  • Having existed for a long time, not young or new
  • Age of a person since birth

believe

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UK / bɪˈliv /

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  • To think or accept that something is true
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look

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  • noun
  • Person's beauty or physical attractiveness
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nice

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US / naɪs /

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  • adjecitve
  • Being attractive or of high quality or value
  • Good or enjoyable
  • Being kind or friendly

pay

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US / peɪ /

UK / pe /

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  • noun
  • Money you receive from your job, work, etc.
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  • To give money for goods or work done
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  • To make (a visit) to a person or place

red

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US / red /

UK / rɛd /

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  • adjecitve
  • Being the color of blood

miss

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US / mɪs /

UK / mɪs /

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  • noun
  • Action of not hitting something or someone
  • Form of address to unmarried girl or woman
  • verb
  • To be absent
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  • To fail to understand someone's message
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pre

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US / ˈpriː /

UK / ˈpriː /

B2
  • prefix
  • A prefix meaning 'before'
  • In preparation or in advance

thank

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US / θæŋk /

UK / θæŋk /

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  • verb
  • To tell someone you are grateful to them

change

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US / tʃeɪndʒ /

UK / tʃendʒ /

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  • noun
  • Exchange of one set of clothes for another
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  • To exchange one set of clothes for another
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personally

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US / ˈpɜ:sənəli /

UK / ˈpəsənəli /

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  • adverb
  • By a specific person, and not by anyone else
  • Knowing someone as a friend, or closely

show

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US / ʃəʊ /

UK / ʃo /

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  • noun
  • False display of love, emotion or action
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  • To be easily seen or displayed
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everything

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US / 'evrɪθɪŋ /

UK / ˈɛvriˌθɪŋ /

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  • pronoun
  • All of the things mentioned

swap

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US / swɒp /

UK / swɑp /

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  • noun
  • A trade or exchange of goods without using money
  • verb
  • To exchange goods without spending money; trade

they

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US / ðeɪ /

UK / ðe /

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  • pronoun
  • Two or more people, animals, or things

very

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US / 'verɪ /

UK / ˈvɛri /

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  • adjecitve
  • Concerning a large degree or amount
  • adverb
  • A lot; much; many
  • Used to stress or emphasize a noun
  • Subtitles section
  • The Federal Reserve of New York just released their newest report, and we have a big problem for two reasons.
  • Number one, for the first three months of the year, total household debt in America has surged to a new record high.
  • And number two, delinquencies are shooting up, so you need to see this.
  • So all this information is coming straight from the Federal Reserve.
  • This is the Fed's report, their presentation on page twelve.
  • You are looking at the types of debts, so credit cards, auto loans, mortgages, student loans, and HELOCs.
  • So this is for the past twenty one years, so you can compare the situation right now against the Great Recession.
  • Now, I wanna explain this so you clearly understand our current situation.
  • This will give you a sense of how other Americans are doing, your family, your friends, your neighbors, your coworkers, et cetera, just in case they're not telling you the truth.
  • So look at the blue line, credit card delinquencies.
  • Delinquencies have now surged to recent highs and they're now above pre pandemic levels.
  • For auto loans, that's the line in green, check it out.
  • So we're at the high end of normal.
  • I would not be surprised to see this go above pre pandemic levels this year.
  • Now, if you look at the red line, those are student loan delinquencies.
  • Obviously, what is going on here, right?
  • It's clearly distorted.
  • That's because the politicians passed a rule where if you miss a student loan payment, those late payments are not gonna show up on your credit reports to the credit bureaus until Q four of this year.
  • Therefore, student loan delinquencies will appear artificially low for the next two quarters.
  • In reality, the Federal Reserve is saying that student loan delinquencies are increasing right now.
  • So that should not be a shocker.
  • Now take a look at the yellowish or goldish line.
  • Those are mortgage delinquencies.
  • They're extremely low levels right now.
  • So it's nowhere close to where it was at during the housing market crash during the Great Recession.
  • I would say that this is because about sixty percent of all mortgages out there have an interest rate below four percent.
  • And anyone that has a mortgage interest rate at four percent or below probably bought their home before prices skyrocketed to obscene levels.
  • So even, okay, so if you look at these people, even if they're living paycheck to paycheck right now, they can still afford to get the mortgage paid.
  • So it's not like the housing market crashed when they were just giving out ninja loans and adjustable rate mortgages like candy.
  • Now let me show you this, and again, this is all coming from the Fed report.
  • Here's the total debt of Americans.
  • As you can clearly see, the total debt balance keeps on going up.
  • So I wanna show you this so that you can see the trend.
  • Most of it is housing debts, but let's break this down further.
  • So here's the same debt broken down by composition.
  • Seventy percent of our debts is related to our homes, mortgages, and home equity lines of credit, but it's mostly mortgages.
  • Student loans, nine percent.
  • Auto loans, nine percents.
  • Credit cards, six percents.
  • Now let me give you some more details.
  • I want you to see what is happening with the debt levels.
  • And remember that this is for Q one, January, February, March.
  • I would recommend that you focus on the annual change because for instance, credit card debts trends higher in October, November, December because of the holidays.
  • So I think that year over year is a better measure.
  • So take a look.
  • All types of debts have gone up minus student loans.
  • Now, I want you to look at this.
  • Here are the numbers broken out for you for serious delinquency.
  • So we're talking about ninety days delinquents or more.
  • If you compare Q one of this year compared to Q one of last year, delinquency rates are up in every category, mortgages, HELOCs, auto loans, credit card debts, even other.
  • So if there's any loan sharks out there or even pawn shop owners, let us know what you're seeing.
  • Now, let me show you this.
  • These are the auto loan delinquencies by age groups.
  • Eighteen to twenty nine years old, thirty to thirty nine, and so on.
  • As you can see, delinquencies are going up for every age group.
  • Here's the data for credit card delinquencies by age.
  • So it's the same thing.
  • It's rising for every age group.
  • And look at how sharply it's going up.
  • And here the foreclosures by age group, same story, it's up all across the board.
  • However, as you can see, foreclosures are nowhere close to what they were before in the last housing market crash.
  • Just take a look at how bad it was during the years of the years.
  • So I've just shown you the data from the Federal Reserve, and the summary is Americans are in record debt and delinquencies are shooting up.
  • My question to you is, where do we go from here?
  • Like, what comes next?
  • But just think about it.
  • So, honest question.
  • In the next three months, in the next six months, do you think that the situation is just magically gonna get better?
  • Like, if you think so, then tell me why.
  • Personally, I don't think so.
  • Realistically and just logically speaking, I think that the situation is gonna get worse before it gets better.
  • The reason why I believe that, the reason why I'm saying that is because we still have inflation.
  • It's not like prices are coming down.
  • We don't have deflation.
  • And inflation is still going up faster than our incomes.
  • Interest rates are still high.
  • We're in a higher interest rate environments.
  • As time passes, just think about this, because as more time goes on, that means there's just gonna be less people with three percent mortgages, and they're being swapped out with newer borrowers that have a seven percent mortgage interest rate.
  • So more people are going to struggle.
  • It's going to be the same concept.
  • It's going to be the same thing with auto loans.
  • They're going to be, and they're going to, the lower interest rate people are going to be swapped out by the higher interest rate people.
  • And the life cycle on auto loans, you know, five years, seven years, obviously shorter than a thirty year fixed on mortgages.
  • And people with credit card debts, I mean, it's always been bad.
  • The interest rate on credit cards has always been awful, but right now it's above twenty percent.
  • Like these are obscene levels.
  • But that's just me, and those are the reasons why I'm saying this.
  • But let me know what you think.
  • Now, I want to tell you what the Federal Reserve said.
  • On May thirteenth, they released their summary of consumer expectations.
  • It says that American families are expecting their incomes to grow by three percent this year.
  • And they expect their expenses to grow by five point two percent.
  • So it's just more of the same thing.
  • Cost of living is expected to rise faster than our wages.
  • So it's the same old story.
  • So I read the report and it is shocking.
  • Like, it's crazy how many of these expense categories are not slowing down.
  • For example, college education costs are expected to increase by nine percent this year.
  • Medical care is expected to increase by eight point seven percent this year.
  • It's just out of control.
  • So listen, I want to give you this friendly reminder that you need to watch your spending because cost of living this year is just going to get worse.
  • And honestly, I'm saying this from the bottom of my heart.
  • It's so sad that I have to tell you this, that I have to tell this to my friends, to my family members, to watch your spending.
  • Because I know that most people are just spending money on necessities.
  • Food, shelter, basic needs for life.
  • And it's still tight.
  • It's paycheck to paycheck.
  • And I understand that it's stressful and it's frustrating.
  • You already know the stats.
  • Seventy percent of Americans are living paycheck to paycheck.
  • The Federal Reserve says that one out of every six credit card users are using at least ninety percent of their available credits.
  • People are, people are, they're maxed out.
  • And more and more people will become maxed out this year.
  • You just watch the stats.
  • But hey, listen, this is also a reminder that we're in the sinking ship together.
  • Like we're in the sinking economy together, if that makes you feel any better.
  • And I know that people are gonna say in disgust or disbelief that the stock market is soaring, but I want you to know that the stock market is not reflective of the real economy.
  • Even the expectation of easy money, you know, making a comeback, is enough to keep the stock market at record levels.
  • And you saw how out of control the market was.
  • What happened the past few days?
  • Look at what happened with GameStop, right?
  • We had a repeat of that.
  • Ultimately, all these government reports, labor market, unemployment, GDP, it makes it seem like everything, everybody, the whole economy is thriving.
  • And it's the same thing with the stock markets.
  • But when you look at the debt levels, and when you look at the delinquencies, they paint a different picture, clearly.
  • So I wanted to give you the data.
  • I wanted to share my opinion with you.
  • Please let me know what you think.
  • Please subscribe.
  • I thank you for the support, and I wish you a very nice day.
  • Take care.