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Canada is sitting in one of the largest housing bubbles of all times Strategist

Video vocabulary

backlash

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US / ˈbæklæʃ /

UK / ˈbækˌlæʃ /

C2
  • noun
  • a strong negative reaction by a large number of people, for example to something that has recently c

canada

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US / 'kænədə /

UK / ˈkænədə /

A1
  • proper noun
  • A country in northern North America, the second largest country in the world; population 35,900,000

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

sword

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US / sɔ:d /

UK / sɔrd /

B1
  • noun
  • A long metal weapon with a sharp point and edge

weakness

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US / ˈwi:knəs /

UK / ˈwiknɪs /

A2
  • noun
  • Fault or bad quality preventing success
  • Liking for something that you are a bit ashamed of

anytime

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US / 'enɪˌtaɪm /

UK / ˈɛniˌtaɪm /

A1
  • adverb
  • At a time you choose, it's not important when

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

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

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

ratio

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US / ˈreɪʃiəʊ /

UK / ˈreɪʃioʊ /

C2
  • noun
  • The relationship in relative size, etc.

float

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US / fləʊt /

UK / floʊt /

B1
  • noun
  • Object designed to stay on the surface of water
  • Decorated truck used in a festival
  • verb
  • To sell the shares of a company publicly
  • To move slowly and easily through air
  • To rest on the surface of water without sinking

sector

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US / ˈsektə(r) /

UK / ˈsɛktɚ, -ˌtɔr /

A2
  • noun
  • Part that a place is divided into
  • Area; type of industry or business

world

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US / wɜ:ld /

UK / wɜrld /

A1
  • noun
  • All the humans, events, activities on the earth
  • Political division due to some kind of similarity

coyote

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US / kaɪˈəʊti /

UK / kaɪˈoʊti /

B2
  • noun
  • Wild dog that is found in North America

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

plank

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US / plæŋk /

UK / plæŋk /

B2
  • noun
  • Long, thick board used when building something

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)

air

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US / eə(r) /

UK / er /

A1
  • noun
  • Mixture of gases around the earth that we breathe
  • A person's manner intended to impress others
  • verb
  • To expose to the outside, to dry or freshen
  • To broadcast a TV or radio show
  • To open a subject to discussion and debate

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

decade

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US / ˈdekeɪd /

UK / ˈdɛkˌed, dɛˈked /

B1
  • noun
  • Period of 10 years

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

hear

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US / hɪə(r) /

UK / hɪr /

A1
  • verb
  • To be aware of sound; to perceive with the ear
  • To be told or find out information or facts
  • To consider or listen to a court case

pure

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US / pjʊə(r) /

UK / pjʊr /

A2
  • adjecitve
  • Not mixed with anything else
  • Being morally good

unwind

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US / ˌʌnˈwaɪnd /

UK / ˌʌnˈwaɪnd /

B2
  • verb
  • To reverse something that has been twisted/turned

weak

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US / wi:k /

UK / wik /

A1
  • adjecitve
  • Not having a strong character
  • Less valuable compared to money of other countries
  • Ineffective; unconvincing; not strong
  • Having little power or ability
  • Not having the necessary or proper amount
  • Having little power; not strong; easy to break
  • (Of a drink) having lots of water and little taste

accommodative

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US / ə'kɒmə'deɪtɪv /

UK / ə'kɒməˌdeɪtɪv /

A1
  • other
  • Tending to reconcile or accommodate; bringing into harmony
  • Willing to adjust to differences in order to obtain agreement

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

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

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

part

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US / pɑ:t /

UK / pɑ:rt /

A1
  • adjecitve
  • To some degree; half; not fully
  • noun
  • Division of a book
  • Ratio of something, e.g. 3 of gin, 1 of tonic
  • A line in a person's hair, made with a comb
  • Character an actor plays on stage, movie, or TV
  • Some, but not all of a specific thing
  • Role in causing something to happen
  • verb
  • To make a line in a person's hair, by using a comb
  • To move two things apart creating a space
  • To leave someone, or to break off a relationship

affordability

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US / əˌfɔːdəˈbɪlɪti /

UK / əˌfɔrdəˈbɪləti /

B1
  • noun
  • Cheap enough to buy something you want

bear

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US / bɛː /

UK / bɛr /

A2
  • noun
  • Large brown animal with fur that lives in forests
  • Someone who expects stock market to fall
  • verb
  • To accept (responsibilities or duties)
  • To give birth to a child; to produce fruit
  • To accept or suffer the weight of difficulties
  • To keep moving left or right while going forward
  • To show (sign of something)
  • To support the weight of something, e.g. a bridge

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

servicing

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US / ˈsɜːvɪsɪŋ /

UK / ˈsɜːrvɪsɪŋ /

A1
  • verb
  • To help or do work for someone, e.g. in a store
  • To maintain a piece of machinery so it runs well

debt

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US / det /

UK / dɛt /

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

reset

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US / ˌri:'set /

UK / riˈsɛt /

C1
  • verb
  • To return to the original start or formation

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

dramatically

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US / drə'mætɪklɪ /

UK / drəˈmætɪkl:ɪ /

B1
  • adverb
  • In a sudden or extreme manner

develop

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US / dɪ'veləp /

UK / dɪˈvɛləp /

A1
  • verb
  • To explain something in steps and in detail
  • To create or think of something
  • To grow bigger, more complex, or more advanced
  • To make a photograph from film

homeowner

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US / ˈhəʊməʊnə(r) /

UK / ˈhomˌonɚ /

C2
  • noun
  • Someone who owns a home

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

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

global

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US / ˈgləʊbl /

UK / ˈgloʊbl /

A2
  • adjecitve
  • Concerning, involving, affecting all of something
  • Of, affecting, or involving the entire world

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

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

while

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US / waɪl /

UK / hwaɪl, waɪl /

A1
  • conjunction
  • In spite of the fact that; although
  • During the time that; at the same time
  • noun
  • Short amount of time

yield

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US / ji:ld /

UK / jild /

A2
  • noun
  • Amount of crops grown
  • Amount of profit you make
  • verb
  • To bend or break because of a strong force
  • To give way to someone or something else
  • To produce, usually in agriculture or business
  • To produce a certain amount of profit; result in
  • To total to a certain amount, as in a calculation

bond

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US / bɒnd /

UK / bɑnd /

A2
  • noun
  • Rope, chain or other thing used to tie someone up
  • Closeness that is shared between people or groups
  • Loan that a government must buy back by a set date
  • Written agreement to pay back borrowed money
  • Joint or connection, often using glue
  • verb
  • To develop a close relationship with
  • To become joined or connected, e.g. using glue

sell

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US / sel /

UK / sɛl /

A1
  • verb
  • To exchange something for money
  • To persuade people to do, like or agree

after

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US / 'ɑ:ftə(r) /

UK / ˈæftɚ /

A1
  • adverb
  • Later than another time, or behind something
  • conjunction
  • Following something before
  • preposition
  • When an event happened or time has passed

already

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US / ɔ:lˈredi /

UK / ɔlˈrɛdi /

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

dampen

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US / 'dæmpən /

UK / ˈdæmpən /

B1
  • verb
  • To make something a little wet
  • To make something, such as a feeling, less strong

many

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US / 'menɪ /

UK / ˈmɛni /

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

wild

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US / waɪld /

UK / waɪld /

A2
  • adjecitve
  • Living in nature; not tame
  • (Of land) not developed by people
  • adverb
  • In a manner which lacks control
  • noun
  • A natural environment e.g. jungle, forest

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

area

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US / 'eərɪə /

UK / ˈɛriə /

A1
  • noun
  • Amount of measured space
  • A specific section or space; part of a region
  • A subject or field of study

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

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

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

side

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US / saɪd /

UK / saɪd /

A1
  • adjecitve
  • In addition to the central or most important thing
  • Next to, or very close to, the right or left of
  • noun
  • Position or opinion that is opposite to another
  • Right or left part of a person's body
  • Feature of someone's personality
  • Straight edge of an object
  • One of two or more groups fighting each other
  • verb
  • To decide to agree with one point, not the other

too

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US / tu: /

UK / tu /

A1
  • adverb
  • In addition, also; with emphasis
  • Say that something is more than you want

currency

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US / 'kʌrənsɪ /

UK / ˈkɚrənsi, ˈkʌr- /

B1
  • noun
  • Widespread acceptance
  • Money system that a country uses

euro

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US / ˈjʊərəʊ /

UK / ˈjʊroʊ /

A1
  • noun
  • The unit of money of the European Union

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

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

strategy

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US / 'strætədʒɪ /

UK / ˈstrætədʒi /

A2
  • noun
  • Careful plan or method for achieving a goal
  • other
  • Branch of military dealing with command

try

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US / traɪ /

UK / traɪ /

A1
  • noun
  • Act of putting the ball over the rugby goal line
  • verb
  • To make an effort, to attempt to do something
  • To examine someone or something in a court of law
  • To test to see if it is good or you like it
  • To make a person go through hardship; test
  • To examine something to see if it works

exactly

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US / ɪgˈzæktli /

UK / ɪɡˈzæktli /

A1
  • adverb
  • No more and no less than; precisely

exit

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US / ˈeksɪt /

UK / ˈɛɡzɪt, ˈɛksɪt /

A2
  • noun
  • A door that you go through to leave a place
  • Act of leaving a place
  • verb
  • To leave a certain place
  • To stop a computer program after using it

sort

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US / sɔ:t /

UK / sɔrt /

A1
  • noun
  • Group or class of similar things or people
  • verb
  • To organize things by putting them into groups
  • To deal with things in an organized way

should

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US / ʃʊd /

UK / ʃʊd /

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

worried

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US / ˈwʌrid /

UK / ˈwɜ:rid /

A1
  • adjecitve
  • Feeling troubled or concerned
  • verb
  • To cause concern or trouble over something
  • To feel concerned or troubled about something

decent

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US / ˈdi:snt /

UK / ˈdisənt /

B1
  • adjecitve
  • Being fairly good; acceptable

canadian

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US / kəˈneɪdiən /

UK / kəˈnediən /

A1
  • adjecitve
  • Concerning the culture and people of Canada
  • noun
  • Person from Canada

income

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US / ˈɪnkʌm /

UK / ˈɪnˌkʌm /

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

ramp

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US / ræmp /

UK / ræmp /

B2
  • noun
  • Path that increases in height as you walk up it
  • verb

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

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

globally

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US / 'ɡləʊbəlɪ /

UK / 'ɡloʊbəlɪ /

B1
  • adverb
  • Throughout the world

inflate

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US / ɪnˈfleɪt /

UK / ɪnˈflet /

B1
  • other
  • To make a thing seem bigger/greater than it is
  • verb
  • To fill/be filled with air and make/become bigger
  • To make a thing seem bigger/greater than it is
  • To increase (e.g. a price) more than it should be

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

portfolio

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US / pɔ:t'fəʊlɪəʊ /

UK / pɔrtˈfoliˌo, port- /

B1
  • noun
  • A list of the financial assets held by someone
  • List of work submitted to a teacher/for approval

boom

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US / bu:m /

UK / bum /

B1
  • noun
  • Very fast increase in growth or popularity
  • A very loud and deep sound
  • verb
  • To experience a rapid increase in growth
  • To make a very loud and deep sound

cut

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US / kʌt /

UK / kʌt /

A1
  • noun
  • Act/instance of reducing the size or amount of
  • Small opening made using a sharp object, knife
  • A wound on someone's skin caused by a sharp object
  • verb
  • To reduce the size or amount of something
  • To use knife or scissors to divide, open surfaces

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

good

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US / ɡʊd /

UK / ɡʊd /

A1
  • adjecitve
  • Proper, appropriate or right
  • (Of an amount) enough; plenty
  • Excellent; high quality
  • Acting well or properly; of moral character
  • In a positive or happy emotional state
  • noun
  • Advantage or benefit

generally

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US / /

UK / /

A2
  • adverb
  • Usually; as a rule; by, to or for most people

research

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US / rɪ'sɜ:tʃ /

UK / rɪˈsɚtʃ, ˈriˌsɚtʃ /

A2
  • noun
  • Study done to discover new ideas and facts
  • Work done to find or discover knowledge
  • verb
  • To study in order to discover new ideas and facts

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

north

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US / nɔ:θ /

UK / nɔ:rθ /

A1
  • adjecitve
  • Coming from the opposite direction to the south
  • noun
  • Direction to your left when facing the rising sun

really

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US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

A1
  • adverb
  • Used to stress something that is said; definitely
  • In a true or accurate manner
  • Very

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

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

calm

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US / kɑ:m /

UK / kɑm /

A2
  • adjecitve
  • Without wind or storm; quiet; peaceful
  • Relaxed and not worried or angry
  • verb
  • To make or become relaxed and not worried or angry

safety

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US / ˈseɪfti /

UK / ˈsefti /

A1
  • noun
  • Device on a gun to prevent accidental shooting
  • State of being free from harm or danger

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

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

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

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

somebody

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US / 'sʌmbədɪ /

UK / ˈsʌmˌbɑdi, -ˌbʌdi, -bədi /

A1
  • noun
  • Important well-respected person
  • pronoun
  • Person who is not known or named

early

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US / ˈɜ:li /

UK / ˈɜ:rli /

A1
  • adjecitve
  • Happening or appearing before
  • adverb
  • Coming/happening before others in a time sequence
  • Happening sooner than expected

large

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US / lɑ:dʒ /

UK / lɑ:rdʒ /

A1
  • adjecitve
  • Big; of great size; broad, tall, wide, or fat

majority

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US / mə'dʒɒrətɪ /

UK / məˈdʒɔrɪti, -ˈdʒɑr- /

B1
  • noun
  • Amount that is more than half of a group

office

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US / ˈɒfɪs /

UK / ˈɔ:fɪs /

A1
  • noun
  • Room or building used for business
  • Important job position, often in a government

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

certainly

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US / ˈsə:tnli /

UK / ˈsɚtnli /

A1
  • adverb
  • Sure; of course

back

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US / bæk /

UK / bæk /

A1
  • adjecitve
  • Farthest from the front e.g. in a classroom
  • adverb
  • Have returned to a place you were before
  • noun
  • The part of a chair that the upper body leans upon
  • Location at the rear of something
  • The reverse of side something
  • Area on the rear of your body
  • verb
  • To bet money on something
  • To go backwards in a car
  • To support and encourage someone or some cause

lot

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US / lɒt /

UK / lɑt /

A1
  • noun
  • What happens to a person in life from chance; fate
  • A group of people seen together
  • Item for sale at an auction
  • Small area of land used for a purpose e.g. parking

significantly

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US / sɪgˈnɪfɪkəntli /

UK / sɪɡˈnɪfəkəntlɪ /

A2
  • adverb
  • In a way that is important or noticeable
  • In a way that is meaningful

regional

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US / ˈri:dʒənl /

UK / ˈridʒənəl /

B1
  • adjecitve
  • Of a particular area, not the whole of a country

advisory

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US / ədˈvaɪzəri /

UK / ædˈvaɪzəri /

A2
  • noun
  • Intended to give a warning or advice

join

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US / dʒɔɪn /

UK / dʒɔɪn /

A1
  • verb
  • To bring something close to another, to become one
  • To become a member of
  • To participate in an activity with others

perhaps

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US / pəˈhæps /

UK / pɚˈhæps /

A1
  • adverb
  • Possibly, but not certainly; maybe

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

couple

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US / 'kʌpl /

UK / ˈkʌpəl /

A2
  • noun
  • Two people in a romantic relationship
  • Two of something; two people; a pair
  • verb
  • To join something to something else
  • (Two animals) to engage in sexual relations
  • To put two people or things together

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

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

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

particular

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US / pəˈtɪkjələ(r) /

UK / pɚˈtɪkjəlɚ, pəˈtɪk- /

B2
  • adjecitve
  • One specific (one)
  • Having firm ideas about what is desirable
  • Being special or more than is typical

policy

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US / 'pɒləsɪ /

UK / ˈpɑlɪsi /

A2
  • noun
  • Document stating terms of an insurance agreement
  • Course of action proposed by an organization, etc.

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

underneath

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US / ˌʌndə'ni:θ /

UK / ˌʌndɚˈniθ /

B1
  • adverb
  • Hidden beneath the surface of something
  • On the lower side or bottom of something
  • preposition
  • Lower than, as in status; beneath
  • Located under or below something

another

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US / əˈnʌðə(r) /

UK / əˈnʌðɚ /

A1
  • adjecitve
  • One more, but not this
  • determiner
  • One more added
  • pronoun
  • One more (thing)

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

participate

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US / pɑ:ˈtɪsɪpeɪt /

UK / pɑ:rˈtɪsɪpeɪt /

B1
  • verb
  • To take part with others in doing something

reaffirm

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US / ˌri:əˈfɜ:m /

UK / ˌri:əˈfɜ:rm /

B2
  • verb
  • To restate, strengthen or support your belief

real

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US / rɪəl /

UK / ˈriəl, ril /

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

zone

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US / zəʊn /

UK / zoʊn /

B1
  • noun
  • Area of space designated for a particular use
  • verb
  • To divide an area for a particular reason

from

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US / frəm /

UK / frʌm, frɑm,frəm /

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

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

hold

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US / həʊld /

UK / hold /

A1
  • noun
  • Section of a ship or plane used for storing things
  • Influence or power held over someone
  • Place of support for hands or feet when climbing
  • verb
  • To agree to keep something for someone
  • To have the capacity to support/contain something
  • To control an area and protect it from attack
  • To not allow someone to leave a place
  • To cause an event to happen at a place or time
  • To use hands or arms to carry or keep something
  • To have a specific quality or property
  • To keep an image, belief or feeling in your mind
  • To have or own something
  • To wait before being able to talk on the phone
  • To limit the movement of someone in a sport

bet

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US / bet /

UK / bet /

A2
  • noun
  • Act of gambling money on the result of a race etc.
  • verb
  • To gamble money to win more money, e.g. on horses

reflect

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US / rɪ'flekt /

UK / rɪˈflɛkt /

A2
  • verb
  • To indicate or be a sign of something
  • To bounce back light, heat, sound from a surface
  • To show an image in glass, water, a mirror etc.
  • To think of something seriously and carefully

yes

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US / jes /

UK / jɛs /

A1
  • adverb
  • Way to say you agree or will do something

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

way

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US / weɪ /

UK / we /

A1
  • adverb
  • Used to emphasize the amount of something
  • noun
  • Particular aspect of something being thought about
  • One of various choices that could be made
  • Particular existing condition or state
  • (Often long) distance or length of time
  • How something is done
  • Route to go to a place
  • Small street
  • Usual behavior, emotions or habits of someone

burst

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US / bɜ:st /

UK / bɚst /

A2
  • noun
  • Brief time period when something happens and ends
  • verb
  • To move (arrive, exit, etc.) suddenly or hurriedly
  • To break apart/open in a sudden and violent way

link

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US / lɪŋk /

UK / lɪŋk /

A2
  • noun
  • Any one of the rings that are part of a chain
  • Connection between two or more things or people
  • Webpage item you click to go to another webpage
  • verb
  • To join or connect together

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
  • To use a camera to make (a photo)
  • To pick up something and go away with it
  • To study a subject in school
  • To attempt to pass (an exam)
  • To require a certain amount of time, money, space

topple

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US / ˈtɒpl /

UK / ˈtɑ:pl /

B2
  • verb
  • To cause a government/leader to be overthrown
  • To fall over from being unstable
  • To (cause to) become unstable and fall, e.g. ruler

bit

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US / bɪt /

UK / bɪt /

A1
  • noun
  • Device put in a horse's mouth to control it
  • Small piece of something
  • verb
  • (E.g. of fish) to take bait and be caught

believe

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US / bɪ'li:v /

UK / bɪˈliv /

A1
  • verb
  • To think or accept that something is true
  • To have a particular opinion about something

country

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US / ˈkʌntri /

UK / ˈkʌntri /

A1
  • noun
  • An area of land that is controlled by a government
  • Open land that is away from towns and cities

look

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US / lʊk /

UK / lʊk /

A1
  • noun
  • Person's beauty or physical attractiveness
  • Particular style of dress, clothes, or appearance
  • The way someone, something appears to be
  • Act of searching for or examining something
  • verb
  • To appear to be; seem

pay

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US / peɪ /

UK / pe /

A1
  • noun
  • Money you receive from your job, work, etc.
  • verb
  • To give money for goods or work done
  • To give (attention, respect, etc.) to
  • To be punished or suffer for something you did
  • To make (a visit) to a person or place

account

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US / ə'kaʊnt /

UK / əˈkaʊnt /

A1
  • noun
  • An advantage
  • Arrangement with a bank to keep your money for you
  • An invoice for things bought
  • Arrangement whereby you can use online services
  • A description, often written, of events; report

asset

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US / 'æset /

UK / ˈæsˌɛt /

A2
  • noun
  • Thing that has value to you

excuse

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US / ɪk'skju:s /

UK / ɪkˈskjuz /

A2
  • noun
  • Note explaining why someone cannot do or attend
  • Reason why you did or didn't do something
  • verb
  • To allow someone not to do (jury service, etc.)
  • To explain acting in a bad or impolite manner
  • To forgive someone for something bad or impolite

pretty

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US / 'prɪtɪ /

UK / ˈprɪti /

A1
  • adjecitve
  • Being attractive to the eye in a simple way
  • adverb
  • Very; to a great degree

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

its

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US / ɪts /

UK / ɪts /

A1
  • adjecitve
  • Referring to or belonging to ‘it’
  • determiner
  • Of something; belonging or related to something
  • other
  • Possessive form of “it”

return

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US / rɪ'tɜ:n /

UK / rɪ'tɜ:rn /

A1
  • adjecitve
  • Do again; repeated
  • noun
  • Faulty or unwanted product sent back to a company
  • Enter key; the main key on the computer keyboard
  • Profit made as a result of a business activity
  • Process of going back to a previous way or state
  • verb
  • To hit something back to the other player or team
  • To come back after being away from somewhere
  • To repay someone's actions, kindness etc.
  • To put, bring, take, give, or send something back
  • To occur again

chart

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US / tʃɑ:t /

UK / tʃɑ:rt /

B1
  • noun
  • Drawing showing information in a clear way
  • Map of the sea or stars
  • verb
  • To make a plan for future action
  • To make a map of
  • To keep a record of developments over time

curve

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US / kə:v /

UK / kɚv /

A2
  • noun
  • Smooth rounded line that is not straight
  • verb
  • To make something bend into a rounded shape

damage

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US / ˈdæmɪdʒ /

UK / ˈdæmɪdʒ /

A2
  • noun
  • Physical harm that is done to something
  • verb
  • To harm physically; to hurt or break something

fear

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US / fɪə(r) /

UK / fɪr /

A1
  • noun
  • Unpleasant feeling caused by being aware of danger
  • verb
  • To be afraid of or nervous about something

risk

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US / rɪsk /

UK / rɪsk /

A1
  • noun
  • Actions that cause potential problems
  • verb
  • To do something potentially dangerous or foolish

they

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US / ðeɪ /

UK / ðe /

A1
  • pronoun
  • Two or more people, animals, or things

very

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US / 'verɪ /

UK / ˈvɛri /

A1
  • adjecitve
  • Concerning a large degree or amount
  • adverb
  • A lot; much; many
  • Used to stress or emphasize a noun

tilt

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US / tɪlt /

UK / tɪlt /

B2
  • noun
  • Position in which one side is above the other
  • verb
  • To change to a newly preferred idea or opinion
  • To move something away from the upright
  • To influence (public opinion) in a certain way

import

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US / 'ɪmpɔ:t /

UK / ˈɪmpɔrt /

A2
  • noun
  • Goods brought into a country from another
  • Importance of a matter or issue
  • verb
  • To bring goods from one country into another

capital

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US / 'kæpɪtl /

UK / ˈkæpɪtl /

A2
  • adjecitve
  • Main, or major
  • noun
  • Writing the first letter of a word in big letters
  • Official main city of a country, province or state
  • Collective name for money, shares, and assets
  • Money that is used for a business

into

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US / 'ɪntə /

UK / ˈɪntu /

A1
  • preposition
  • Moving or going inside something
  • In the same direction as; in the direction of
  • So as to become; taking the state of

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

strategist

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US / ˈstrætədʒɪst /

UK / ˈstrætədʒɪst /

B1
  • noun
  • Expert in strategy (especially in warfare)

than

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US / ðən /

UK / ðən /

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

versus

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US / ˈvə:səs /

UK / ˈvɚsəs, -səz /

A2
  • preposition
  • Used to show that two things are competing

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

erosion

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US / ɪ'rəʊʒn /

UK / ɪˈrəʊʒ(ə)n /

B1
  • noun
  • Process of wearing away by water, wind, or ice

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)

kind

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US / kaɪnd /

UK / kaɪnd /

A1
  • adjecitve
  • In a caring and helpful manner
  • friendly and considerate
  • noun
  • One type of thing

philip

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US / ˈfilip /

UK / ˈfɪlɪp /

A1
  • other
  • Englishman and husband of Elizabeth II (born )

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

bank

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US / bæŋk /

UK / bæŋk /

A1
  • noun
  • A financial institution that keeps or lends money
  • The side of a river
  • A row of things in lines (e.g. computers)
  • verb
  • To put or keep your money in a bank
  • To turn a plane when flying; (of a plane) to turn

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

run

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US / rʌn /

UK / rʌn /

A1
  • noun
  • Journey between two places made by ship or car
  • Series of similar things or successes and failures
  • Act of running; exercise of running
  • verb
  • To depart or travel according to a schedule
  • To cause an animal to move in a certain direction
  • (Of an engine) to be operating
  • To start or use a computer program
  • To flow in a certain direction, like a liquid
  • To manage or operate a business
  • To operate or drive something
  • (Of a road) to go from one place to another
  • To move your legs faster than walking

suggest

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US / səˈdʒest /

UK / səɡˈdʒɛst, səˈdʒɛst /

A1
  • verb
  • To mention something that could be done; propose

bad

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US / bæd /

UK / bæd /

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

term

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US / tɜ:m /

UK / tɚm /

A1
  • noun
  • Conditions applying to an agreement, contract
  • Length of time something is expected to happen
  • Fixed period of weeks for learning at school
  • The (precise) name given to something
  • verb
  • To call; give a name to

half

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US / hɑ:f /

UK / hæf, hɑf /

A1
  • adjecitve
  • Not complete
  • adverb
  • Partly; somewhat
  • noun
  • One of two equal periods of game time in a sport
  • The part you get when one is divided into two;

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

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

state

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US / steɪt /

UK / stet /

A1
  • adjecitve
  • Concerning region within a country
  • noun
  • Region within a country, with its own government
  • Situation or condition something is in
  • verb
  • To say; declare as fact

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

investment

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US / ɪnˈvestmənt /

UK / ɪnˈvɛstmənt /

A2
  • noun
  • Something purchased hoping its value will increase
  • Act of giving time, energy to see a future reward

lead

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US / li:d /

UK / lid /

A1
  • adjecitve
  • Being the main part in movies or plays
  • noun
  • Wire for electricity, computer, etc.; cable
  • Information that could help to solve a crime
  • Main part in a play or movie
  • Heavy, gray metal element
  • Rope used to tie something to stop it escaping
  • Act of being at the front in a race or game
  • verb
  • To show the way or guide others
  • To be at the front of a race or game
  • To travel in front of; go in advance of others

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

mistaken

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US / mɪˈsteɪkən /

UK / mɪˈstekən /

A1
  • verb
  • To understand someone or something incorrectly

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

stretch

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US / stretʃ /

UK / strɛtʃ /

A2
  • noun
  • Making arm, leg muscles longer to ease them
  • A consecutive row of things
  • A period of time
  • verb
  • To make your arm, leg muscles long to ease them
  • To make something bigger by pulling on it

stability

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US / stəˈbɪləti /

UK / stəˈbɪlɪti /

A2
  • noun
  • Quality or state of being even or consistent

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

play

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US / pleɪ /

UK / pleɪ /

A1
  • noun
  • Loose, free movement between two objects
  • Single action in a sports game
  • Performance in which people act in a theater
  • verb
  • To act as a character in a movie, or on stage
  • To perform music on an instrument
  • To use a device, e.g. a video game
  • To do something for enjoyment and fun
  • To do or perform a game or sport

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

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

although

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US / ɔ:lˈðəu /

UK / ɔlˈðo /

A1
  • conjunction
  • Despite the fact that; however

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

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

allocation

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US / ˌæləˈkeɪʃn /

UK / ˌæləˈkeɪʃn /

B1
  • noun
  • Sharing out of work/resources for some purpose

bubble

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US / ˈbʌbl /

UK / ˈbʌbəl /

B1
  • noun
  • A small ball of air inside of a liquid
  • verb
  • (Of a liquid) to produce bubbles, as when boiling
  • To show intense emotion, e.g. excitement, anger

much

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US / mʌtʃ /

UK / mʌtʃ /

A1
  • adjecitve
  • Very; to a high level or degree
  • adverb
  • A lot; large amount; a high degree of
  • Nearly; basically
  • On many occasions; often
  • noun
  • A large amount; a great quantity

sideway

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US / ˈsaɪdweɪ /

UK / ˈsaɪdˌweɪ /

A1
  • other
  • From the side; obliquely

strong

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US / strɒŋ /

UK / strɔŋ /

A1
  • adjecitve
  • (Of tea or beer) dark or thick
  • Having big muscles; physically powerful

under

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US / ˈʌndə(r) /

UK / ˈʌndɚ /

A1
  • adjecitve
  • In the same place as another thing, but lower
  • adverb
  • In a lower quantity or price than expected
  • preposition
  • According to the terms of an agreement or law
  • Managed or controlled by the authority of
  • Being of a lesser quality or amount than expected
  • Influenced or affected by something or someone
  • Less or lower in age, amount, size or number

system

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US / 'sɪstəm /

UK / ˈsɪstəm /

A1
  • adjecitve
  • Working in an organized, logical way
  • noun
  • Set of organized, planned ideas that work together

setter

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US / ˈsetə(r) /

UK / ˈsɛtɚ /

C1
  • noun
  • Long-eared dog trained to fetch game

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

though

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US / ðəu /

UK / ðo /

A1
  • adverb
  • Although, despite the fact that

amount

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US / ə'maʊnt /

UK / əˈmaʊnt /

A1
  • noun
  • Quantity of something
  • verb
  • To add up to a certain figure

benefit

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US / 'benɪfɪt /

UK / ˈbɛnəfɪt /

A2
  • noun
  • Good result or effect, something advantageous
  • verb
  • To have a good effect or be helpful

anyway

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US / ˈeniweɪ /

UK / ˈɛniˌwe /

A1
  • adverb
  • A word used to change the topic of a conversation

head

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US / hed /

UK / hɛd /

A1
  • noun
  • Counter for the number of cattle
  • Natural mental ability or intelligence
  • Leader or person with the greatest authority
  • Mind; mental ability; mental state
  • Side of a coin with a head on it
  • Top part of your body with eyes and a mouth
  • Starting point of something, e.g. a river
  • verb
  • To hit a ball with your head in a game
  • To be first or at the front or top (e.g. a list)
  • To travel or move toward a particular place; To go in a particular direction
  • To become the leader of something
  • To lead or be responsible for something

leverage

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US / 'li:vərɪdʒ /

UK / ˈlɛvərɪdʒ, ˈlivə- /

B2
  • noun
  • An advantage which gives you influence or power
  • verb
  • To use an advantage which gives you influence

never

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US / 'nevə(r) /

UK / ˈnɛvɚ /

A1
  • adverb
  • Not ever; not at any time

personal

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US / ˈpɜ:sənl /

UK / ˈpɚsənəl /

A2
  • adjecitve
  • Done by or to a particular person; individual
  • Concerning a person's private life or feelings

treasury

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US / ˈtreʒəri /

UK / ˈtrɛʒəri /

A2
  • noun
  • Government office concerned with finance

competitive

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US / kəmˈpetətɪv /

UK / kəmˈpɛtɪtɪv /

B1
  • adjecitve
  • Being strongly driven to win or be better than

flight

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US / flaɪt /

UK / flaɪt /

A2
  • noun
  • Act of leaving a place, usually to escape danger
  • Trip by plane, helicopter etc.

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

definitely

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US / ˈdefɪnətli /

UK / ˈdefɪnətli /

A2
  • adverb
  • Without question; beyond doubt

soon

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US / su:n /

UK / sun /

A1
  • adverb
  • At a time not long from now

extend

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US / ɪkˈstend /

UK / ɪkˈstɛnd /

A2
  • verb
  • To offer something (help, friendship) to someone
  • To reach from one point to another
  • To straighten or stretch something out, e.g. leg
  • To make something last longer

fraction

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US / ˈfrækʃn /

UK / ˈfrækʃən /

B1
  • noun
  • Small part of something

mortgage

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US / 'mɔ:ɡɪdʒ /

UK / ˈmɔrɡɪdʒ /

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

pause

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US / pɔ:z /

UK / pɔz /

A2
  • noun
  • A temporary break before continuing
  • Function on a device to stop and restart it
  • Sign to hold a musical note a bit longer
  • verb
  • To stop doing for a while before continuing

set

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US / set /

UK / sɛt /

A1
  • adjecitve
  • Prepared for something; ready
  • noun
  • Complete group of something
  • Place where a television show or movie is filmed
  • Group of games in a tennis match
  • Device that receives radio or television signals
  • verb
  • To make a clock state or ring at a particular time
  • To decide upon or choose something
  • To make something ready for use (e.g. table)
  • To decide on a price for something
  • To become hard (of glue, concrete etc.)
  • To be located in a specific place or time
  • To put (e.g. a vase) down carefully in a place
  • To put someone in a certain condition or state
  • (Of the sun) to go lower than the horizon

start

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US / stɑ:t /

UK / stɑrt /

A1
  • noun
  • First time or place that a thing exists; beginning
  • First opportunity to achieve something, e.g. a job
  • Sudden action or movement because you are scared
  • other
  • Beginning of something in place or time
  • verb
  • To do, be or happen for the first time; begin
  • To turn something on

within

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US / wɪˈðɪn /

UK / wɪðˈɪn, wɪθ- /

A1
  • adverb
  • Inside the limits of an area, time or range
  • preposition
  • From the inside of something

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

unique

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US / jʊ'ni:k /

UK / juˈnik /

A2
  • adjecitve
  • Unlike other things; being the only one like it

astronomical

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US / ˌæstrəˈnɒmɪkl /

UK / ˌæstrəˈnɑmɪkəl /

B2
  • adjecitve
  • Extremely large or high
  • Of the study of stars and other bodies in space

commodity

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US / kə'mɒdətɪ /

UK / kəˈmɑdɪti /

B1
  • noun
  • Something useful or valuable, usually for sale

for

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US / fə(r) /

UK / fɔr,fə /

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

necessarily

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US / ˌnesəˈserəli /

UK / ˌnɛsɪˈsɛrəli, -ˈsɛr- /

A2
  • adverb
  • In a way that is needed/required/is unavoidable

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)

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

growth

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US / grəʊθ /

UK / groʊθ /

A2
  • noun
  • Improvement, development in a skill over time
  • A mass on the skin or body part related to illness
  • Act of growing

house

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US / haʊs /

UK / haʊs /

A1
  • noun
  • Place where a specific activity or business occurs
  • Building in which a family, person lives
  • verb
  • To give someone a place to live
  • To contain or store something

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

advise

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US / ədˈvaɪz /

UK / ædˈvaɪz /

A2
  • verb
  • To suggest what would be helpful

fund

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US / fʌnd /

UK / fʌnd /

A2
  • noun
  • Money collected, saved, or provided for a purpose
  • A specific account into which you put money
  • verb
  • To supply money for something

own

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US / əʊn /

UK / on /

A1
  • adjecitve
  • Belong to oneself
  • determiner
  • Yours, his, hers, etc.; not belonging to another
  • pronoun
  • (Something) belong to myself
  • verb
  • To have something as your property

unwound

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US / ˌʌnˈwaʊnd /

UK / ˌʌnˈwaʊnd /

B2
  • verb
  • To reverse something that has been twisted/turned

city

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US / 'sɪtɪ /

UK / ˈsɪti /

A1
  • noun
  • Area with many buildings, roads and people

drag

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US / dræɡ /

UK / dræɡ /

A2
  • noun
  • Force of air pushing back against a plane car etc.
  • Boring or annoying thing/activity
  • verb
  • To reluctantly move or go somewhere
  • To feel that progress or time is moving slowly
  • To pull something heavy or difficult along the ground

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

yeah

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US / jeə /

UK / ˈjɛə, ˈjæə, jɛ- /

A1
  • exclamation
  • Another way of saying 'yes'

anyone

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US / ˈeniwʌn /

UK / ˈɛniˌwʌn, -wən /

A1
  • pronoun
  • Any person

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

partner

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US / 'pɑ:tnə(r) /

UK / ˈpɑrtnɚ /

A2
  • noun
  • One you have a business/personal relationship with
  • Someone you have personal relationship with
  • verb
  • To join with others for work or other activity

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

sensitive

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US / 'sensətɪv /

UK / ˈsɛnsɪtɪv /

A2
  • adjecitve
  • Taking offense easily; easily upset or hurt
  • (Private information) needing careful treatment
  • Concerning awareness of small differences
  • Able to recognize the feelings of others
  • Responsive to physical touch
  • Becoming unstable

sticky

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US / ˈstɪki /

UK / ˈstɪki /

B1
  • adjecitve
  • Easy to adhere or stick to other things
  • (Of weather/a day) uncomfortably hot and humid

catch

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US / kætʃ /

UK / kætʃ, kɛtʃ /

A1
  • noun
  • Amount of something that has been caught
  • Trick or something trying to deceive
  • verb
  • To stop something flying and hold it
  • To stop something and not let it go, e.g. animals
  • To get sick or get a disease from someone else
  • To find someone to do something, a task
  • To get stuck on or in something
  • To be trapped so you can’t escape
  • To be able to understand what someone is saying

guest

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US / ɡest /

UK / ɡɛst /

A2
  • adjecitve
  • Referring to people visiting or staying at a place
  • noun
  • Person invited to visit or stay in someone's home
  • Paying customer at a hotel or restaurant

hit

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US / hɪt /

UK / hɪt /

A1
  • noun
  • A planned killing, usually for money
  • Song, movie etc. that is successful
  • When someone strikes someone or something
  • Time when a player makes contact with the ball
  • Time when a website is accessed
  • verb
  • To have a negative impact on a person/place/thing
  • To press something, such as a button or switch
  • To suddenly realize the importance of something
  • To move your hand, a bat, etc. against with force
  • To fight, attack or damage something or someone
  • To arrive at a specific place, level, or goal
  • To make contact with the ball in a game or sport

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

accommodation

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US / əˌkɒmə'deɪʃn /

UK / əˌkɑməˈdeʃən /

B1
  • noun
  • Adapting to become better at handling situations
  • Consideration of the needs and opinions of others
  • Place to stay, often a hotel

firm

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US / fɜ:m /

UK / fɚm /

A2
  • adjecitve
  • Fairly hard or solid, not soft
  • Unchanging and strong
  • noun
  • Company that sells goods or services
  • verb
  • To make something become more solid or durable

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

devaluation

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US / ˌdi:ˌvæljʊ'eɪʃn /

UK / ˌdi:ˌvæljʊ'eɪʃn /

B2
  • noun
  • Reduction of something's value, e.g. a currency

hard

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US / hɑ:d /

UK / hɑː(r)d /

A1
  • adjecitve
  • Difficult to do; difficult to understand
  • (Of facts) not able to be misunderstood; clear
  • (Of alcohol) strong
  • Involving or requiring lots of work, effort, care
  • Being full of pain, trouble, and problems
  • Strong
  • (Of edge) clear; sharp
  • Difficult to bend, break or cut; solid
  • adverb
  • With lots of force, power, or impact

particularly

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US / pəˈtikjuləli /

UK / pɚˈtɪkjələli, pəˈtɪk- /

A2
  • adverb
  • Specially; more than others

sideline

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US / ˈsaɪdlaɪn /

UK / ˈsaɪdˌlaɪn /

B2
  • noun
  • Line that marks the width of a playing field
  • verb
  • To make someone less important, or irrelevant

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

extent

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US / ɪkˈstent /

UK / ɪkˈstɛnt /

A2
  • noun
  • Point, level or limit to which something reaches
  • Range or space included in something

crest

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US / krest /

UK / krɛst /

B2
  • noun
  • Showy part growing from the top of a bird's head
  • Special symbol, e.g. representing a royal family
  • Top part of something
  • verb
  • To rise to a high level then return to lower level

manager

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US / ˈmænɪdʒə(r) /

UK / ˈmænɪdʒɚ /

A1
  • noun
  • Person who controls and runs a business or group

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

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)

absolute

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US / ˈæbsəlu:t /

UK / ˈæbsəˌlut /

A2
  • adjecitve
  • Complete; total; pure; not limited in any way
  • noun
  • Something that is complete, total, pure, certain

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

independent

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US / ˌɪndɪˈpendənt /

UK / ˌɪndɪˈpɛndənt /

A2
  • adjecitve
  • Making your own decisions; acting by yourself
  • noun
  • A person not connected to a political party

lean

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US / li:n /

UK / lin /

A2
  • adjecitve
  • Having a low fat content
  • Efficient; well-designed with no waste
  • Thin; slim; skinny; with little fat on your body
  • verb
  • To balance against or on something for support
  • To have a tendency to do something; favor

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

misplace

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US / ˌmɪsˈpleɪs /

UK / ˌmɪs'pleɪs /

C2
  • verb
  • To put something in the wrong place

pensions

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US / ˈpenʃnz /

UK / ˈpenʃnz /

A2
  • other
  • Regular payments you receive after you retire

people

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US / 'pi:pl /

UK / ˈpipəl /

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

sit

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US / sɪt /

UK / sɪt /

A1
  • verb
  • To take an exam
  • To be in a resting position on a chair
  • To provide seating for people
  • To remain in a still position while being painted

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

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’
  • Subtitles section
  • Okay, let's have another look at North American markets.
  • The TSX holding on in early trading, but yeah, up a fraction of 1%. But our market has lagged U.S. equities so far this year.
  • Excuse me.
  • Our guest says there are risks ahead for Canadian stocks.
  • We're joined by Philip Colmar, partner and global strategist at MRB Partners.
  • It's great to see you.
  • So you're a top-down advisory firm, people, big accounts around the world pay you for research.
  • Yes.
  • Yeah.
  • Pure independent research.
  • Yes, exactly.
  • So we advise some of your biggest pensions, hedge funds, multi-asset managers, set the investment strategy for their global asset allocation or absolute return strategies.
  • And we hear that asset allocation is perhaps the majority of investment returns.
  • Yeah.
  • Yeah, it is.
  • It's the big tilt.
  • So we advise the CIO's offices on how to tilt their portfolios into which countries, which regional markets or which sectors.
  • What's your view on Canadian markets?
  • I know it's hard to generalize, but you're cautious?
  • Yeah, we're more cautious.
  • We've been constructive on the global economy, U.S. economy.
  • I think it comes to a double-edged sword though with Canada.
  • So I think people misplaced the recession bets on the U.S. and global economy before earlier this year.
  • We're unwinding that.
  • So that's good in terms of growth conditions globally would be decent.
  • The problem with it is, is it's also pushing up the 10-year Treasury yield.
  • We're seeing bond yields rise significantly.
  • And so we've broken out to new highs in terms of bond yields.
  • So while that's been constructive on equities more generally, Canada's participated in it.
  • Canada sits in a sort of a double-edged sword on that.
  • It's good for growth that the world economy is stronger.
  • We're not heading into an imminent recession.
  • We leaned against those risks.
  • The bad side of it is that Canada is sitting on probably one of the largest housing bubbles of all times.
  • And I've analyzed housing bubbles in the developed world, and Canada is really got one of a unique one to its own.
  • So it's got housing, house prices to income ratios that are off the charts.
  • It's got affordability that's very weak.
  • And so it already saw weakness in the housing last year when we saw interest rates and mortgage rates go up.
  • We saw some stability in that as we saw mortgage rates kind of calm down, kind of go sideways and then growth conditions firm up a bit.
  • And so we are seeing some stability in the numbers right now.
  • The problem is is bond yields are back on the rise.
  • They're being led by the US and the Fed and US Treasuries, but it's dragging up Canadian yields means mortgage rates are going higher and we will run into a risk zone.
  • So we view Canada as a weak link to the global economy on the interest rate story.
  • And there's some backlash to the Canadian markets and particularly the currency as well.
  • I want to hear more about your views on housing, but why are bond yields going up?
  • Are people worried about inflation?
  • No, I mean, yes, I mean, in 2022 it was an inflation and the Fed catching up, really.
  • And so it led it up and it was really every central bank, Canada as well.
  • And so now we're starting to see a cresting in terms of inflation expectations coming down.
  • We're seeing the Fed sort of go to the sideline.
  • We're seeing other central banks looking to kind of take its exit as inflation kind of comes down or pause.
  • The problem is, is that people had believed that we had broken the global economy with interest rates in 2022 going up.
  • That was a mistaken bet.
  • We didn't break it.
  • The U.S. and euro area in particular are de-levered.
  • Unlike Canada, they de-levered substantially over the past 15 years.
  • They're a lot less interest rate sensitive economies.
  • And so they've reaffirmed.
  • And so the breaking point of interest rates is much higher than people think.
  • And so what's happened is, is that as we've unwound the recession fears, we've pushed up bond yields.
  • So bond yields are reflecting not necessarily inflation, although somewhat more sticky in longer term inflation.
  • I don't think inflation is coming down to the 2% target anytime soon.
  • But we are getting an erosion inflation.
  • What it's reflecting is, is that we didn't hit that breaking point of the world economy and bond yields or the long end of the curve, particularly prematurely inverted.
  • And so we're unwinding some of that.
  • So the flight to safety to bonds is to some extent dissipating.
  • Exactly.
  • Yeah, it's unwinding.
  • Exactly.
  • And I think as well, there was real bets that we would see, particularly Fed rate cuts, but central bank rate cuts into, it was at one point at the back half of this year, then it got pushed out in the early part of next year,
  • Then the back half of next year.
  • But we're sort of unwinding that.
  • If the cost of capital isn't damaging the world economy at this point, then it needs to go higher.
  • We're not, there isn't really a case.
  • The Fed may go or other central banks may go on hold as inflation kind of comes down.
  • But rate cuts is a stretch when you, when you think of the world economy not breaking under current rate conditions.
  • Now, I know that you're not going to give personal advice to anyone.
  • You would never do that, but certainly not live on air.
  • But if somebody has a house in an inflated city in Canada, you would suggest they think about selling it anyway.
  • Yeah, I mean, the problem with Canadian housing is it really got ramped up over, really it's been two decades in the making, right?
  • We had low inflation driven in the 2000s, for example, because of the commodity boom, drove up currencies and pushed down import prices.
  • So it allowed the Bank of Canada to be more accommodative than it should have been.
  • Then in the 2010s, after the housing bear markets in the US and Euro area, we had the global price setters dampening inflation.
  • We had Bank of Canada playing competitive currency devaluation.
  • So we ended up with, again, two easy accommodations, pushed up home prices.
  • The pandemic hits and there's a case for it to burst, but we hit it again with monetary and fiscal policy.
  • And so we inflated again.
  • So you've had two decades in the making.
  • You've got home prices that are very stretched.
  • The worst part for a housing bubble is when you have a credit bubble underneath it.
  • And the amount of Canadian leverage into the system versus income is pretty astronomical.
  • And we've seen debt servicing going up dramatically.
  • We've seen it's very hard.
  • A lot of homeowners, they don't benefit from 30 year fix like the United States does.
  • So there was a lot of floating that got reset.
  • There's a lot of other that are within rolling over within five years.
  • And we've been a couple of years of this higher interest rate environment.
  • So we have some risks in the situation.
  • We see the Canadian banks really not wanting to allow it to topple.
  • They've been trying to extend these things.
  • But that's, you know, in many ways, at some point it will.
  • We've got Wild E. Coyote sitting over a cliff and the bank's trying to hold the plank out to hold it up.
  • But not to be too scary, but there is a risk, definitely a risk here, that if mortgage rates go higher or unemployment were to rise when we hit the next recession, then this thing does end up in a deleveraging cycle.