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Don't expect mortgage rates to go back to less than 2 per cent anytime soon: Economist

Video vocabulary

exception

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US / ɪkˈsepʃn /

UK / ɪkˈsɛpʃən /

B1
  • noun
  • Something different or not included

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;

investor

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US / ɪnˈvestə(r) /

UK / ɪnˈvɛstɚ /

A2
  • noun
  • Person who spends money to help businesses grow

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

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

partly

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US / ˈpɑ:tli /

UK / ˈpɑ:rtli /

A2
  • adverb
  • In part; not completely

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

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

flip

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US / flɪp /

UK / flɪp /

B2
  • noun
  • Act of turning your body in the air; somersault
  • Movement of something from one position to another
  • verb
  • To turn your body in the air, as in gymnastics
  • To move into a different position quickly
  • To move a button or switch to turn on or off

program

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US / 'prəʊɡræm /

UK / ˈproˌɡræm, -ɡrəm /

A1
  • noun
  • Small book of events in a play, concert or movie
  • A plan or schedule of events
  • Series of classes at a college or university
  • A computer application
  • TV show
  • verb
  • To make someone act or think in a certain way
  • To write computer code for a piece of software

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

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

five

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US / faɪv /

UK / faɪv /

A1
  • number
  • 5

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

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

adjust

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US / əˈdʒʌst /

UK / əˈdʒʌst /

A2
  • verb
  • To change; to attain a desired state or function
  • To change so as to fit in with new conditions

welcome

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US / 'welkəm /

UK / ˈwɛlkəm /

A1
  • adjecitve
  • Being what was wanted or needed
  • noun
  • Friendly greeting to someone who has arrived
  • verb
  • To greet someone who has just arrived
  • To accept or receive something happily and gladly

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

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

aspect

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US / 'æspekt /

UK / ˈæspɛkt /

A2
  • noun
  • Way something looks or seems to be
  • An element, feature, or quality of something

demand

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US / dɪ'mɑ:nd /

UK / dɪˈmænd /

A2
  • noun
  • Desire customers have to buy product, service
  • A strong request for someone to do something
  • verb
  • To strongly request someone to do something

average

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US / 'ævərɪdʒ /

UK / ˈævərɪdʒ, ˈævrɪdʒ /

A2
  • adjecitve
  • Typical or normal; usual; ordinary
  • noun
  • Total of numbers divided by the number of items
  • verb
  • To add numbers then divide by the number of items

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

outside

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US / ˌaʊtˈsaɪd /

UK / aʊtˈsaɪd, ˈaʊtˌsaɪd /

A2
  • adverb
  • Beyond the limits or edges of some place, thing
  • noun
  • Area around or near something, such as a building
  • preposition
  • Beyond the limits or edges of some place, thing

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

assumption

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US / ə'sʌmpʃn /

UK / əˈsʌmpʃən /

A2
  • noun
  • Something you believe to be so, but aren't sure of

commendable

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US / kəˈmendəbl /

UK / kəˈmendəbl /

B2
  • adjecitve
  • Being worthy of praise; gaining approval

fair

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US / feə(r) /

UK / fɛr /

A1
  • adjecitve
  • Neither very good nor very bad; average
  • (Of skin) light colored; not dark
  • Quite good; quite a lot
  • Treating all people the same way
  • (Of hair) light colored; blonde
  • (Of weather) sunny; not raining
  • noun
  • Event for companies to show their products
  • Event to sell things to help a charity

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

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

psychological

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US / ˌsaɪkəˈlɒdʒɪkl /

UK / ˌsaɪkəˈlɑdʒɪkəl /

A2
  • adjecitve
  • Concerning the study of the mind
  • Concerning psychology

strength

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US / streŋθ /

UK / strɛŋkθ, strɛŋθ, strɛnθ /

A2
  • noun
  • Condition of being strong

stress

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US / stres /

UK / strɛs /

A2
  • noun
  • Emphasis on part of a word or sentence
  • Pressure on something or someone
  • A state of mental tension, worry due to problems
  • verb
  • To emphasize one or more parts of a word, sentence
  • To put pressure on something or someone
  • To say your opinion strongly
  • To be in a state of mental tension due to problems

than

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US / ðən /

UK / ðən /

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

answer

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US / 'ɑ:nsə(r) /

UK / ˈænsɚ /

A1
  • noun
  • Reply to a question someone asks
  • Solution to a problem or test question
  • verb
  • To reply to a question someone asks
  • To solve a test question or a problem

goal

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US / ɡəʊl /

UK / ɡol /

A2
  • noun
  • Something you try to do or achieve; an aim
  • (Sports) net into which you put a ball to score
  • (Sports) act of scoring by putting a ball in a net

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

solution

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US / səˈlu:ʃn /

UK / səˈluʃən /

A2
  • noun
  • Mix of a liquid and a solid or a gas
  • Way to solve or deal with a problem

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

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

little

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US / 'lɪtl /

UK / ˈlɪtl /

A1
  • adjecitve
  • Being short in length of time
  • Not great in size, amount, or degree; small
  • Being very young or younger than others
  • adverb
  • By an amount or degree that is not very much
  • Not often; rarely
  • noun
  • A person's name

offset

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US / ˈɒfset /

UK / ˈɔ:fset /

B1
  • adjecitve
  • (Of printing) using inked plates
  • noun
  • Compensation or counterbalance
  • verb
  • To compensate for or counterbalance the effect of

might

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US / maɪt /

UK / maɪt /

A1
  • other
  • Used to politely request an action
  • Used to express that something could happen
  • Power, strength, force or influence

millennial

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US / mɪ'lenɪəl /

UK / mɪ'lenɪrl /

B2
  • adjecitve
  • Concerning a millennium (a thousand years)

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

summer

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US / ˈsʌmə(r) /

UK / ˈsʌmɚ /

A1
  • noun
  • Part of the year when the weather is hot
  • verb
  • To spend time in a place in the warm months

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

unfortunately

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US / ʌnˈfɔ:tʃənətli /

UK / ʌnˈfɔːrtʃənətli /

B1
  • adverb
  • In a way that is to be regretted; unluckily

double

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US / 'dʌbl /

UK / ˈdʌbəl /

A2
  • adjecitve
  • Concerning or intended for use by two people
  • Two times the amount or degree; twice
  • Made of two parts that are the same, similar
  • noun
  • Person that is exactly like someone else
  • verb
  • To be used for two functions at the same time
  • To make or become twice as much

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

abrupt

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US / əˈbrʌpt /

UK / əˈbrʌpt /

B1
  • adjecitve
  • Very sudden, often in a bad way

froth

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US / frɒθ /

UK / frɔ:θ /

C1
  • noun
  • A mass of bubbles formed on top of a liquid
  • verb
  • To form a mass of bubbles in or on a liquid

real

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US / rɪəl /

UK / ˈriəl, ril /

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

tighten

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US / ˈtaɪtn /

UK / ˈtaɪtn: /

A2
  • verb
  • To make a rule, law or system tougher
  • To stretch, pull until movement becomes difficult
  • To turn lid, bolt etc., until it is firmly in place
  • To make face, body stiff due to anger or anxiety

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

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

certainly

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US / ˈsə:tnli /

UK / ˈsɚtnli /

A1
  • adverb
  • Sure; of course

hope

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US / həʊp /

UK / hop /

A1
  • noun
  • When you wish something will happen; what you wish
  • verb
  • To expect and want something to happen

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

psychology

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US / saɪ'kɒlədʒɪ /

UK / saɪˈkɑlədʒi /

C2
  • noun
  • The study of the mind and how it affects behavior
  • Way in which a person or group thinks and behaves

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

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

something

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US / ˈsʌmθɪŋ /

UK / ˈsʌmθɪŋ /

A1
  • adverb
  • In some degree or measure
  • noun
  • a person or thing of some value or consequence
  • pronoun
  • Thing that is not yet known or named
  • Approximately

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

only

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US / ˈəunli /

UK / ˈonli /

A1
  • adverb
  • Just one; just that amount or thing; not more than
  • Not very important or serious
  • Just that type of thing, person
  • Short time ago; not before a certain time
  • conjunction
  • Except; but

seat

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US / si:t /

UK / sit /

A1
  • noun
  • Place where a government or organization is based
  • A chair or place to sit
  • Official position in an organization
  • Part of a chair on which a person sits
  • verb
  • To have seats available for a number of people
  • To give someone a place to sit down

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

ultra

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US / 'ʌltrə /

UK / 'ʌltrə /

B2
  • prefix
  • Prefix that denotes a lot of something; extreme

industry

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US / 'ɪndəstrɪ /

UK / ˈɪndəstri /

A1
  • noun
  • Hard work; being busy working
  • Factories or businesses that make certain products

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

meet

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US / mi:t /

UK / mit /

A1
  • noun
  • Sporting competition e.g. swimming
  • verb
  • To provide something that is necessary
  • To come together at a certain time or place

revise

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US / rɪ'vaɪz /

UK / rɪˈvaɪz /

A2
  • verb
  • To make changes or add something to improve
  • To study again in order to prepare for a test

recipe

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US / 'resəpɪ /

UK / ˈrɛsəˌpi /

B1
  • noun
  • Conditions likely to create a particular result
  • Directions for making a dish, with the ingredients

from

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US / frəm /

UK / frʌm, frɑm,frəm /

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

hot

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US / hɒt /

UK / hɑ:t /

A1
  • adjecitve
  • Angry or excited
  • Being very good at something
  • Having a high temperature
  • Popular and causing a great deal of excitement
  • Attractive in a sexually exciting way
  • (Of food) very spicy
  • Stolen; dangerous to buy or trade in

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

ambition

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US / æmˈbɪʃn /

UK / æmˈbɪʃən /

A2
  • noun
  • Desire to win or be successful in life, work

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

any

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US / 'enɪ /

UK / ˈɛni /

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

demographic

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US / ˌdemə'ɡræfɪk /

UK / ˌdemə'ɡræfɪk /

C2
  • adjecitve
  • Characterizing human populations
  • noun
  • Group of people with similar characteristics

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

expect

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US / ɪk'spekt /

UK / ɪkˈspɛkt /

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

provincial

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US / prəˈvɪnʃl /

UK / prəˈvɪnʃəl /

B1
  • adjecitve
  • People living out of a main city
  • Unsophisticated; narrow-minded

significant

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US / sɪgˈnɪfɪkənt /

UK / sɪɡˈnɪfɪkənt /

A2
  • adjecitve
  • Large enough to be noticed or have an effect
  • Having meaning; important; noticeable
  • (Statistics) being clearly different

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

yet

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US / jet /

UK / jɛt /

A1
  • adverb
  • At a later time (used after ‘not’)
  • (Used to emphasize that thing is, will be greater)
  • Eventually; at a future time
  • Until now; up to the present
  • conjunction
  • Adding to what has been said, often as a contrast

belief

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US / bɪˈli:f /

UK / bɪˈlif /

A1
  • noun
  • Being sure that something exists or is true
  • Trust in an idea or set of ideas
  • A particular opinion about something

cyclic

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US / ˈsaɪklɪk /

UK / ˈsaɪklɪk /

A2
  • adjecitve
  • A series of regular and repeated actions

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

maybe

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US / ˈmeɪbi /

UK / ˈmebi /

A1
  • adverb
  • Possibly but not certainly; perhaps

minute

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US / 'mɪnɪt /

UK / ˈmɪnɪt /

A1
  • adjecitve
  • Very very small
  • noun
  • Notes taken at a meeting to record what was said
  • Short period of time
  • Unit of time equal to 60 seconds
  • verb
  • To record in writing what is said at a meeting

output

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US / 'aʊtpʊt /

UK / ˈaʊtˌpʊt /

A2
  • noun
  • Amount of something that is produced
  • verb
  • To produce data or information, as a computer

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

experience

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US / ɪk'spɪərɪəns /

UK / ɪkˈspɪriəns /

A1
  • noun
  • Thing a person has done or that happened to them
  • An event at which you learned something
  • Knowledge gained by living life, doing new things
  • verb
  • To gain knowledge by doing things

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

operate

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US / ˈɒpəreɪt /

UK / ˈɑ:pəreɪt /

A1
  • verb
  • To control or handle something, such as a machine
  • To control or manage something such as a business
  • To be working or being used
  • To perform surgery on someone

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

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

but

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US / bət /

UK / bʌt,bət /

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

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

tape

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US / teɪp /

UK / tep /

A2
  • noun
  • Narrow strip of magnetic material for recording on
  • Thin material used to mark an area or seal things
  • verb
  • To record some sounds using an electric device
  • To stick things together using an adhesive strip

canadian

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US / kəˈneɪdiən /

UK / kəˈnediən /

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

imbalance

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US / ɪm'bæləns /

UK / ɪmˈbæləns /

A2
  • noun
  • A lack of equality so two things are not equal

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

neutral

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US / ˈnju:trəl /

UK / ˈnu:trəl /

B1
  • adjecitve
  • Something with pH value of 7
  • Having no positive or negative electrical charge
  • Not supporting either side in a war, etc.
  • Not taking either side in a debate; not involved
  • noun
  • Color that is dull and not bright, such as gray
  • The rest position for gears in a car or vehicle
  • Person/country not supporting a side in a war, etc.

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

effect

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US / ɪ'fekt /

UK / ɪˈfɛkt /

A1
  • noun
  • An advantage, benefit
  • Change brought about by a cause; result

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

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

stay

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US / steɪ /

UK / ste /

A1
  • noun
  • Legal order to stop or delay an action
  • Strong rope or wire that supports a ship's mast
  • Period of time spent living in or visiting a place
  • verb
  • To keep trying without giving up
  • To remain in the same place and not move away
  • To spend time visiting a place or someone's home

capita

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US / 'keɪpətə /

UK / 'keɪpətə /

B2
  • noun
  • If you express an amount per capita, you mean that amount for each person.

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

vacancy

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US / ˈveɪkənsi /

UK / ˈvekənsi /

B2
  • noun
  • Space or position available for occupancy

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

place

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US / pleɪs /

UK / ples /

A1
  • noun
  • Particular location, area or region
  • verb
  • To put someone in a particular type of situation
  • To put something in a certain location or position

secular

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US / ˈsekjələ(r) /

UK / ˈsɛkjəlɚ /

B2
  • adjecitve
  • Not connected or controlled by religious beliefs

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

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

require

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US / rɪ'kwaɪə(r) /

UK / rɪˈkwaɪr /

A2
  • verb
  • To demand that someone does something
  • To need to do something, to make it necessary

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

argue

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US / ˈɑ:gju: /

UK / ˈɑ:rgju: /

A1
  • verb
  • To fight or disagree over something
  • To state your reasons for or against an idea

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

perspective

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US / pə'spektɪv /

UK / pɚˈspɛktɪv /

B1
  • noun
  • Artistic method of creating a sense of distance
  • Ability to understand what is important in life

homebuyer

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US / ˈhəʊmbaɪə(r) /

UK / ˈhoʊmbaɪə(r) /

A1
  • noun
  • Someone buying a home

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

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

norm

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US / nɔ:m /

UK / nɔ:rm /

B1
  • noun
  • Standard or regular way of doing something
  • An established standard of performance or behavior
  • verb
  • To make something average (statistics)

jump

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US / dʒʌmp /

UK / dʒʌmp /

A1
  • noun
  • Large sudden increase
  • An act of springing into the air
  • Bar or other thing that is jumped over
  • A sudden movement due to surprise
  • verb
  • To attack someone suddenly
  • To push your body into the air with your legs
  • To suddenly decide to do something
  • To make a sudden movement due to surprise

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

robert

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US / 'rɒbət /

UK / 'rɒbət /

A1
  • proper noun
  • The name of three kings of Scotland.

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)

again

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US / ə'ɡen /

UK / əˈɡɛn /

A1
  • adverb
  • One more time, once more

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

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

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

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’

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

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

second

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US / 'sekənd /

UK / ˈsɛkənd /

A1
  • adjecitve
  • 2nd; the one following first
  • noun
  • Unit of time; one sixtieth of a minute
  • Short period of time that you wait for someone
  • (Do) soon
  • verb
  • To agree to support a proposal at a meeting

expert

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US / 'ekspɜ:t /

UK / ˈɛkˌspɚt /

A2
  • adjecitve
  • Having special knowledge or skill
  • noun
  • Skillful person with special knowledge

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

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)

construction

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US / kən'strʌkʃn /

UK / kənˈstrʌkʃən /

A2
  • noun
  • Act of building something; thing that is built
  • Something that is made using different parts
  • The way words are organized in a sentence
  • The way something is made or structured

almost

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US / 'ɔ:lməʊst /

UK / ˈɔlˌmost, ɔlˈmost /

A1
  • adverb
  • Only a little less than, nearly, not quite

economist

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US / ɪˈkɒnəmɪst /

UK / ɪˈkɑ:nəmɪst /

A2
  • noun
  • A person who studies economics

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

steady

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US / 'stedɪ /

UK / ˈstɛdi /

B2
  • adjecitve
  • Happening or developing at a regular rate
  • Continuing without stopping or changing over time
  • Firmly fixed or supported; not likely to fall over
  • noun
  • Your boyfriend or girlfriend
  • verb
  • To make constant, unchanging or staying the same
  • To hold something/someone so they stop moving

accelerate

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US / əkˈseləreɪt /

UK / ækˈsɛləˌret /

B1
  • verb
  • To cause to occur earlier than expected
  • To increase the speed or rate of something

government

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US / ˈgʌvənmənt /

UK / ˈɡʌvənmənt /

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

percent

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US / pə'sent /

UK / pɚˈsɛnt /

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

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

federal

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US / 'fedərəl /

UK / ˈfɛdərəl, ˈfɛdrəl /

B1
  • adjecitve
  • Consisting of several united states

fundamental

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US / ˌfʌndəˈmentl /

UK / ˌfʌndəˈmɛntl /

A2
  • adjecitve
  • Forming a necessary part, base, or core
  • noun
  • A basic part of something
  • (Music) the lowest note in a harmony

unit

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US / ˈju:nɪt /

UK / ˈjunɪt /

B2
  • noun
  • One apartment in a building
  • Group of people, e.g. soldiers, that work together
  • A chapter of a textbook
  • A standard of measurement of something
  • Single item made by a company

fall

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US / fɔ:l /

UK / fɔl /

A1
  • noun
  • Season after summer and before winter; Autumn
  • A drop in amount; decrease
  • Dropping from a standing position to the ground
  • verb
  • To drop in amount; to decrease
  • To come down from a higher position suddenly
  • To go from standing to the ground, by accident

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

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

affordability

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US / əˌfɔːdəˈbɪlɪti /

UK / əˌfɔrdəˈbɪləti /

B1
  • noun
  • Cheap enough to buy something you want

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

mind

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US / maɪnd /

UK / maɪnd /

A1
  • noun
  • One's opinion or way of thinking about something
  • Part of humans that allows us to think or feel
  • verb
  • To be bothered or upset by something
  • To take care of someone e.g. as a bodyguard

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

raise

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US / reɪz /

UK / rez /

A1
  • noun
  • Increase in a bet above another when playing cards
  • Pay increase
  • verb
  • To increase a bet above another when playing cards
  • To gather donations for a cause or charity
  • To bring up and educate a child to maturity
  • To bring a dead person to life
  • To increase a quantity, size, intensity or price
  • To lift (e.g. your hand) to a higher position
  • To mention a topic /issue for discussion; bring up
  • To increase (salary, etc.)
  • To grow or care for plants or animals

senior

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US / 'si:nɪə(r) /

UK / ˈsinjɚ /

A2
  • adjecitve
  • Being older than another person
  • Concerning the needs or activities of older people
  • (Student) in the final year of school
  • noun
  • Person who has usually reached a specific old age
  • Person who is older than someone else
  • Person with higher status or authority than
  • Student who is in the final year of school

decade

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US / ˈdekeɪd /

UK / ˈdɛkˌed, dɛˈked /

B1
  • noun
  • Period of 10 years

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

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

acute

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US / əˈkju:t /

UK / əˈkjut /

B1
  • adjecitve
  • (Of an angle in math) of less than 90 degrees
  • Strong; very serious or severe

list

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US / lɪst /

UK / lɪst /

A1
  • noun
  • Lean of a boat to one side
  • Series of written names, words or numbers
  • verb
  • To lean to one side, like a boat or ship
  • To present for sale for a specific price
  • To write a series of names, words, or numbers

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

noble

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US / 'nəʊbl /

UK / 'noʊbl /

B1
  • adjecitve
  • Being admirable and honorable in character
  • Concerning or being a member a high social class
  • Being large, beautiful or impressive in appearance
  • noun
  • Titled peer of the realm e.g. a lord, duke

sub

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US / sʌb /

UK / sʌb /

B2
  • prefix
  • A prefix meaning 'under' or 'instead of'

build

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US / bɪld /

UK / bɪld /

A1
  • noun
  • Your physical shape; physique
  • verb
  • To establish e.g. a reputation, over time
  • To construct a house, office, factory

building

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US / ˈbɪldɪŋ /

UK / ˈbɪldɪŋ /

A1
  • noun
  • A structure with a roof and walls, e.g. a house
  • verb
  • To establish e.g. a reputation, over time
  • To construct a house, office, factory

gain

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US / ɡeɪn /

UK / ɡen /

A2
  • noun
  • An increase in something, such as weight
  • verb
  • To increase in something, such as weight
  • To get something wanted, needed or valued

work

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US / wɜ:k /

UK / wɚk /

A1
  • adjecitve
  • Activity completed in order to make money
  • noun
  • The product of some artistic or literary endeavor
  • Everything created by an author, artist, musician
  • Activity you do in order to make money
  • Place of employment
  • Final product or result of a some labor or effort
  • verb
  • To bring into a specific state of success
  • To be functioning properly, e.g. a car
  • To do your job in your company or workplace
  • To make an effort to do something
  • To operate a machine or device

move

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US / mu:v /

UK / muv /

A1
  • noun
  • Act of moving a playing piece in chess, etc.
  • An action; doing something
  • Step taken to achieve a goal
  • verb
  • To cause someone to have certain emotions
  • To cause something to change to a different place
  • To change where people live or a business operates
  • To take action to do or achieve something

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

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

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

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

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

municipal

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US / mju:ˈnɪsɪpl /

UK / mjuˈnɪsəpəl /

B2
  • adjecitve
  • Concerning a city or town government

red

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US / red /

UK / rɛd /

A1
  • adjecitve
  • Being the color of blood

thank

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US / θæŋk /

UK / θæŋk /

A1
  • verb
  • To tell someone you are grateful to them

bring

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US / brɪŋ /

UK / brɪŋ /

A1
  • verb
  • To take or go with someone to a place

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

pressure

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US / 'preʃə(r) /

UK / ˈprɛʃɚ /

A2
  • noun
  • Anxiety caused by difficult problems
  • Force, weight when pressing against a thing
  • Strong persuasion to do something
  • verb
  • To apply force to something
  • To persuade or force someone to do something

space

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US / speɪs /

UK / spes /

A1
  • noun
  • Empty area kept for a specific reason, like a car
  • Empty area with nothing in it
  • Area in the sky where the stars are
  • Area between written words on a page
  • verb
  • To make a certain distance or time between

announce

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US / əˈnaʊns /

UK / əˈnaʊns /

A2
  • verb
  • To make a public statement about a plan, decision

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

dollar

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US / ˈdɒlə(r) /

UK / ˈdɑ:lə(r) /

A1
  • noun
  • A basic unit of money equal to 100 cent

volume

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US / ˈvɒlju:m /

UK / ˈvɑljum, -jəm /

A2
  • noun
  • Number or amount of something e.g. sales
  • Amount of space that something takes up
  • One book that is part of a set of books
  • Level of sound produced by radio or television

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

skilled

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US / skɪld /

UK / skɪld /

A2
  • adjecitve
  • Having or showing or requiring special skill

topic

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US / 'tɒpɪk /

UK / ˈtɑpɪk /

A2
  • noun
  • Subject or issue people talk or write about

they

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US / ðeɪ /

UK / ðe /

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

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

who

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US / hu: /

UK / hu /

A1
  • pronoun
  • Which person
  • Used to introduce information about people

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

many

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US / 'menɪ /

UK / ˈmɛni /

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

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

either

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US / ˈaɪðə(r) /

UK / ˈiðɚ, ˈaɪðɚ /

A1
  • adjecitve
  • One of two (used when there is a choice of two)
  • adverb
  • (After negative statements) likewise, in addition
  • conjunction
  • Used as the first of two connected things
  • determiner
  • Used as the first of two connected things
  • pronoun
  • The one or the other

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

supply

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US / sə'plaɪ /

UK / səˈplaɪ /

A2
  • noun
  • Availability of products and services for use
  • Specific things needed to perform a certain task
  • verb
  • To give or sell goods to others for their use

small

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US / smɔ:l /

UK / smɔl /

A1
  • adjecitve
  • Little in size; not big
  • (Of letters) not written in capital letters
  • Being insignificant or minor
  • (Of a business) with few people or things; local
  • (Of voice) being soft and quiet
  • (Of a child) being young

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

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

ever

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US / 'evə(r) /

UK / ˈɛvɚ /

A1
  • adverb
  • At any time; at all times in the future

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

sure

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US / ʃʊə(r) /

UK / ʃʊr /

A1
  • adjecitve
  • Having no doubts about something
  • Have confidence in your own words or actions
  • Firmly established or held; being firm or stable
  • Being correct or true
  • adverb
  • What you say to agree willingly

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

component

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US / kəmˈpəʊnənt /

UK / kəmˈponənt /

A2
  • adjecitve
  • Being a part of something
  • noun
  • One of the parts that something is made up of

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

million

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US / ˈmɪljən /

UK / ˈmɪljən /

A1
  • number
  • 1,000,000

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

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

publish

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US / 'pʌblɪʃ /

UK / ˈpʌblɪʃ /

A2
  • verb
  • To prepare and make available a book magazine etc.
  • To release information to the general public

trade

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US / treɪd /

UK / treid /

A2
  • noun
  • A specific industry, e.g. shoe making
  • Action of buying and selling things in business
  • The buying and selling of goods and services
  • Exchanging something for something else
  • Job often requiring physical skills, e.g. plumbing
  • verb
  • To buy, sell and exchange goods in business
  • To give something in return for something else

flow

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US / fləʊ /

UK / flo /

A2
  • noun
  • Amount of something that moves through an area
  • verb
  • To move steadily and easily in a certain direction

population

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US / ˌpɒpjuˈleɪʃn /

UK / ˌpɑpjəˈleʃən /

A2
  • noun
  • Number of people who live in a country, area etc.

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

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

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

restrictive

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US / rɪ'strɪktɪv /

UK / rɪˈstrɪktɪv /

A2
  • adjecitve
  • Limiting or controlling what a person can do

pace

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US / peɪs /

UK / pes /

A2
  • noun
  • Rate of speed at which something moves or happens
  • Single step, often used to measure a distance
  • verb
  • To set and control your speed, as in a race
  • To walk with slow purposeful steps

discussion

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US / dɪˈskʌʃn /

UK / dɪˈskʌʃən /

A2
  • noun
  • Any long communication about a particular topic

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

since

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US / sɪns /

UK / sɪns /

A1
  • adverb
  • At a point before the present time
  • conjunction
  • For this reason; because
  • preposition
  • From the time in the past that

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

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

shortage

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US / ˈʃɔ:tɪdʒ /

UK / ˈʃɔ:rtɪdʒ /

A2
  • noun
  • A lack of something necessary

test

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US / test /

UK / test /

A1
  • noun
  • A medical examination
  • Action to establish the truth or nature of
  • Examination; questions to measure knowledge
  • verb
  • To be given a medical examination
  • To try to establish the truth or nature of
  • To ask a series of questions to measure knowledge

adjustment

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US / əˈdʒʌstmənt /

UK / əˈdʒʌstmənt /

A2
  • noun
  • Small change to attain a desired state or function
  • A change to make something function better

extremely

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US / ɪkˈstri:mli /

UK / ɪk'strimlɪ /

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

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

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

amount

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US / ə'maʊnt /

UK / əˈmaʊnt /

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

basis

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US / ˈbeɪsɪs /

UK / ˈbesɪs /

A2
  • noun
  • Main ingredient or part of something
  • Starting situation, fact, idea to develop from

crisis

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US / 'kraɪsɪs /

UK / ˈkraɪsɪs /

B1
  • noun
  • Unstable situation of extreme danger or difficulty

period

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US / ˈpɪəriəd /

UK / ˈpɪriəd /

A1
  • noun
  • Set amount of time during which events take place
  • A way to emphasize what you will say
  • A full stop (.), marking the end of a sentence
  • A menstrual cycle
  • A set time for a class to be held

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

ambitious

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US / æmˈbɪʃəs /

UK / æmˈbɪʃəs /

A2
  • adjecitve
  • Having the desire to be successful in life, work

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

fully

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US / 'fʊlɪ /

UK / ˈfʊli /

A1
  • adverb
  • Completely or entirely

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)

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

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

through

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US / θru: /

UK / θru /

A2
  • adjecitve
  • having finished using or doing something
  • adverb
  • From the beginning of something until the end
  • preposition
  • Over, in, across an entire thing or place
  • Allowing you to pass between, or to
  • By a particular way or process; by the use of

cool

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US / ku:l /

UK / kul /

A1
  • adjecitve
  • Steady and calm when facing difficulties
  • Almost cold; not warm or hot
  • Smart or stylish in a way (young) people admire
  • Unfriendly in an indirect way; distant
  • verb
  • To make something decrease in temperature
  • (Of an emotion, etc.) to become less strongly felt

job

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US / dʒɒb /

UK / dʒɑ:b /

A1
  • noun
  • Something that must be done
  • Regular work at which you earn money

linger

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US / ˈlɪŋgə(r) /

UK / ˈlɪŋɡɚ /

B2
  • verb
  • To take your time doing something; hang around

per

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  • Subtitles section
  • Welcome back.
  • Canada's housing market has been a hot topic for Canadians this year as many of them grapple with higher mortgage costs, home prices and a slowing economy.
  • But what lies ahead in the second half of 2023?
  • Let's bring in Robert Kavsic.
  • He's Senior Economist at BMO Capital Markets for a discussion on just that.
  • Robert, we've seen real – first of all, welcome to the program and thank you for making time for us.
  • We've seen real momentum, of course, in Canadian housing markets and home prices in the first half of 2023.
  • Can the momentum last into the second half of the year?
  • Well, the short answer is I think the momentum is going to be tested, partly because the Bank of Canada has come off the sidelines and raised rates.
  • We've seen pretty significant 50 to 100 basis point move up in mortgage rates across the curve for Canadians that are out there shopping right now.
  • And so you have a lot of affordability stress, and keep in mind there's a big psychological component to this market too, right?
  • So the market bottomed out and started to accelerate almost the minute the Bank of Canada said they're done raising rates.
  • The flip side of that is now that they're tightening again, I think you've seen the psychology cooled off.
  • You're probably going to see some listings linger on the market a little bit longer through the summer and then take some momentum out of the price gains that we've seen at least through the fall.
  • You talk about psychology.
  • One thing we've heard from a lot of housing experts in the first half of the year is that during that period of time when Bank of Canada rates stayed steady after the pause was announced, a lot of Canadians adjusted to higher rates,
  • Which went through a period of stability, maybe retooled their ambitions in buying a home, either a smaller home, a home in a less expensive area, and went ahead and bought with those revised ambitions.
  • Do you see that happening in the second half of this year?
  • Well, so I think there probably was a pretty significant amount of pent-up demand on the sidelines, because when we went through that correction last year, volumes were extremely low.
  • Yet at the same time, you have a million and a half new Canadians basically coming into the country over the last year.
  • So there is fundamental demographic demand out there.
  • You just have the psychological aspect kind of pushing back on that.
  • Who wants to jump into the housing market and pay a million dollars for an average price home when it's falling at a 20% rate?
  • Now that that has bottomed out, I think some of those buyers have come off the sideline.
  • And at the end of the day, we still do have the strongest population growth we've seen since at least the early 1970s.
  • Those new families and Canadians do need a place to live.
  • And we just physically cannot meet that demand with supply.
  • So you're kind of, you have two very, very, very offsetting factors here.
  • We have that fundamental demand strength offset by what's happening in the mortgage market and with consumer psychology.
  • And I think they're going to kind of come to a bit of a stalemate through the second half of this year.
  • What do you expect in terms of new housing starts across the country?
  • Governments are under pressure, of course, to do something to have more homes built.
  • Provincial governments, the federal government to some degree, and certainly municipal governments are under a fair amount of pressure to cut red tape and accelerate the pace of new home construction.
  • Sure.
  • It's a worthy goal.
  • Unfortunately, from the minute these targets were published to try and double the rate of housing construction in Canada as a solution to the affordability problem, our view has been that it's just not the solution.
  • Because not that it's not a noble or a commendable solution, it's just not one that we can physically come to.
  • So the industry is already operating at pretty much 100 percent capacity.
  • Unemployment rates at a record low in construction.
  • Job vacancies at a record high in construction.
  • The shortage of skilled trades is very acute.
  • We're building more units physically than we ever have in this country.
  • And in per capita terms, we're building as much as we ever have, going back to the building boom in the 1970s.
  • So to think that we can double output from this level that is already fully stretched seems like a bit of an ambitious goal.
  • And I just, I don't think we're going to get it.
  • And this kind of goes back to this whole demand and supply side imbalance, where yes, we're going to work through this cycle and there might be some ups and downs because of what's in the economy in the short run.
  • But when you come out the back end of this cycle, we're going to remain stressed from a demographic perspective because we just physically cannot build the amount of supply needed to meet the number of people coming into Canada.
  • That sounds like a recipe for a long period of rising home prices.
  • Well, I think there are two components to this, right?
  • There's the cyclical aspect, which as we've seen over the last year, we've seen a 15 to 20 percent correction in home prices just because there was too much froth in the market and prices had to adjust to a very abrupt increase in policy rates.
  • That's the cyclical side of this.
  • The secular, the longer term side of this, yes, would argue that if we look out over the next five or 10 years, there still is demographic stress and just not enough capacity to build on the supply side to meet the flows that we're seeing today,
  • Not only from outside the country, but from millennial households moving up and creating new families and requiring more space.
  • To what degree are we still experiencing the after effects, if at all, of that long, long period of ultra low interest rates?
  • Well, I think that's one of the adjustments we're going to have to make as homebuyers or as investors.
  • I think a lot of people maybe were kind of lulled into the belief that what we saw over the last decade was normal.
  • I would argue that the interest rate levels that we saw post-financial crisis through the early days of the pandemic were the exception, not the norm.
  • If a potential homebuyer or an investor out there is assuming we're going to just fall back to 1.5% mortgage rates as we come out of this cycle, I think maybe that's an assumption you want to go and look back at and say,
  • Maybe that's not the case.
  • Maybe neutral mortgage rates now are 150 basis points or so higher than we were used to over the last cycle.
  • Yes, I'll say 5% to 6% that we're seeing in the market today, if not a bit higher, is very restrictive.
  • And this probably isn't permanent either, but I wouldn't sit there on the edge of my seat and hope that or assume we're going to go back to sub 2% mortgage rates any time over the next couple of years.