How to build a simple guaranteed investment certificates ladder
A1 A2 B1 B2 C1 C2
happen
US / 'hæpən /
•UK / ˈhæpən /
- verb
- To take place or occur
get
US / ɡet /
•UK / ɡɛt /
- 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
then
US / ðen /
•UK / ðɛn /
- 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
case
US / keɪs /
•UK / kes /
- 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
require
US / rɪ'kwaɪə(r) /
•UK / rɪˈkwaɪr /
- verb
- To demand that someone does something
- To need to do something, to make it necessary
own
US / əʊn /
•UK / on /
- 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
place
US / pleɪs /
•UK / ples /
- 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
about
US / ə'baʊt /
•UK / əˈbaʊt /
- 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)
even
US / 'i:vn /
•UK / ˈivən /
- adjecitve
- Being equal in influence, power, possibility etc.
- Being divided equally or fairly
- (Of teams/contest) with similar chances of success
- Smooth, level, or regular
- Can be divided by 2; ending in 2, 4, 6, 8, or 0
- At a regular, equally steady manner
- Remaining steady and unchanging
- adverb
- (When this is surprising) as well; too
- (Used to compare two things/stress the difference)
- verb
- To make something level; to flatten
- To make something equal
like
US / laɪk /
•UK / laɪk /
- 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
what
US / wɒt /
•UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /
- 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
US / ðæt /
•UK / ðæt, ðət /
- 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’
ladder
US / 'lædə(r) /
•UK / ˈlædɚ /
- noun
- Series of levels to go up in society or business
- Device with a series of steps used for climbing
predictable
US / prɪˈdɪktəbl /
•UK / prɪˈdɪktəbl /
- adjecitve
- Capable of being guessed before it happens
probably
US / ˈprɒbəbli /
•UK / ˈprɑbəbli /
- adverb
- That is likely to happen or be true
yield
US / ji:ld /
•UK / jild /
- 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
capture
US / 'kæptʃə(r) /
•UK / ˈkæptʃɚ /
- verb
- To attract and hold e.g. interest, attention
- To record, tape, or film something
- To catch and prevent from being free
- To take control of a place or object by force
market
US / ˈmɑ:kɪt /
•UK / ˈmɑ:rkɪt /
- 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
plus
US / plʌs /
•UK / plʌs /
- noun
- A benefit or advantage
- preposition
- In addition; add
- In addition to; Indicates a number above
- Having a value greater than zero
available
US / əˈveɪləbl /
•UK / əˈveləbəl /
- adjecitve
- Present and able to be used
- Able to be used at a scheduled time
here
US / hɪə(r) /
•UK / hɪr /
- adverb
- In this place; at this location, position or time
new
US / nju: /
•UK / nu, nju /
- 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
use
US / ju:s /
•UK / ju:s /
- 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
ever
US / 'evə(r) /
•UK / ˈɛvɚ /
- adverb
- At any time; at all times in the future
explain
US / ɪk'spleɪn /
•UK / ɪkˈsplen /
- verb
- To make clear or easy to understand by describing
point
US / pɔɪnt /
•UK / pɔɪnt /
- 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
continue
US / kən'tɪnju: /
•UK / kənˈtɪnju /
- verb
- To do something without stopping, or after pausing
- To start doing again after a break, pause, or stop
meantime
US / ˈmi:ntaɪm /
•UK / ˈminˌtaɪm /
- noun
- For the present; for a while
after
US / 'ɑ:ftə(r) /
•UK / ˈæftɚ /
- adverb
- Later than another time, or behind something
- conjunction
- Following something before
- preposition
- When an event happened or time has passed
will
US / wɪl /
•UK / wɪl /
- 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
automatic
US / ˌɔ:tə'mætɪk /
•UK / ˌɔtəˈmætɪk /
- adjecitve
- Done without conscious thought
- Operating by itself, without an operator
- noun
- Car that is able to change gears by itself
good
US / ɡʊd /
•UK / ɡʊd /
- 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
security
US / sɪ'kjʊərətɪ /
•UK / sɪˈkjʊrɪtisə'kjurətɪ /
- noun
- Department in a company in charge of protection
- Financial document, like stocks, bonds and notes
- Person paid to protect property and people
- Things done to protect people, buildings etc.
- Condition of being safe from danger or harm
fix
US / fɪks /
•UK / fɪks /
- 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
US / nɒt /
•UK / nɑt /
- adverb
- Word indicating the negative
- (Used to form the negative of verbs)
maturity
US / məˈtʃʊərəti /
•UK / məˈtʃʊrəti /
- noun
- Time at which an investment is ready to be paid
- State of being fully grown or developed
volatility
US / ˌvɒlə'tɪlətɪ /
•UK / ˌvɒlə'tɪlətɪ /
- noun
- Changing from a solid or liquid to a gas
- Quality of changing suddenly or extremely
would
US / wʊd /
•UK / wʊd /
- 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
considerably
US / kənˈsɪdərəbli /
•UK / kənˈsɪdərəblɪ /
- adverb
- Quite a lot; to a large degree
now
US / naʊ /
•UK / naʊ /
- 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
US / pɔ:t'fəʊlɪəʊ /
•UK / pɔrtˈfoliˌo, port- /
- noun
- A list of the financial assets held by someone
- List of work submitted to a teacher/for approval
table
US / ˈteɪbl /
•UK / ˈtebəl /
- noun
- Diagram that shows data in rows and columns
- Raised flat surface you sit at to work or eat
- verb
- To leave an idea to be discussed at a later date
can
US / kæn /
•UK / kən,kæn /
- 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
income
US / ˈɪnkʌm /
•UK / ˈɪnˌkʌm /
- noun
- Earned money from work, investments or business
lower
US / 'ləʊə(r) /
•UK / ˈlaʊɚ, laʊr /
- adjecitve
- In a position more near the bottom
- verb
- To move something downward to the ground
set
US / set /
•UK / sɛt /
- 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
benefit
US / 'benɪfɪt /
•UK / ˈbɛnəfɪt /
- noun
- Good result or effect, something advantageous
- verb
- To have a good effect or be helpful
for
US / fə(r) /
•UK / fɔr,fə /
- preposition
- Used to show the purpose, or need of something
why
US / waɪ /
•UK / hwaɪ, waɪ /
- adverb
- Question word to ask for a reason
- exclamation
- (Used to express surprise or approval)
through
US / θru: /
•UK / θru /
- 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
just
US / dʒʌst /
•UK / dʒʌst /
- 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)
average
US / 'ævərɪdʒ /
•UK / ˈævərɪdʒ, ˈævrɪdʒ /
- 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
US / meɪk /
•UK / mek /
- 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
investment
US / ɪnˈvestmənt /
•UK / ɪnˈvɛstmənt /
- noun
- Something purchased hoping its value will increase
- Act of giving time, energy to see a future reward
rate
US / reɪt /
•UK / ret /
- noun
- Current price or cost of something
- Speed or frequency of events over time
- verb
- To assess something or consider its qualities
the
US / ðə /
•UK / ðə /
- 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
across
US / əˈkrɔs /
•UK / əˈkrɔs,əˈkrɑs /
- adverb
- Distance from one side to another
- (Go) from one side to the other of something
this
US / ðɪs /
•UK / ðɪs /
- 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
term
US / tɜ:m /
•UK / tɚm /
- 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
also
US / 'ɔ:lsəʊ /
•UK / ˈɔlso /
- adverb
- In addition; too; in a similar way
five
US / faɪv /
•UK / faɪv /
- number
- 5
how
US / haʊ /
•UK / haʊ /
- 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)
year
US / jə: /
•UK / jɪr /
- noun
- Unit of time equal to 12 months or 365 or 366 days
- Used to refer to the age of a person
you
US / jʊ /
•UK / ju /
- pronoun
- Person someone is speaking or writing to
- Person or people in general
certificate
US / səˈtɪfɪkət /
•UK / sərˈtɪfɪkət /
- noun
- Official paper accepted as proof of something
reinvest
US / ˌri:ɪnˈvest /
•UK / ˌri:ɪn'vest /
- verb
- To reuse resources to build for the future
other
US / 'ʌðə(r) /
•UK / ˈʌðər /
- 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
US / wʌn /
•UK / wʌn /
- 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
than
US / ðən /
•UK / ðən /
- conjunction
- Used to compare two things that are not equal
interest
US / 'ɪntrəst /
•UK / ˈɪntrɪst, -tərɪst, -ˌtrɛst /
- 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
sample
US / ˈsɑ:mpl /
•UK / ˈsæmpl /
- noun
- A small quantity of something used as a taster
- verb
- To try (e.g. food, drink), to see if you like it
before
US / bɪˈfɔ:(r) /
•UK / bɪˈfɔr,-ˈfor /
- adverb
- At a time earlier than the present; previously
- conjunction
- In advance of something happening
- preposition
- In front of someone or something
initially
US / ɪˈnɪʃəli /
•UK / ɪˈnɪʃəli /
- adverb
- At first; originally
have
US / həv /
•UK / hæv /
- 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
month
US / mʌnθ /
•UK / mʌnθ /
- noun
- One of 12 28-31 day periods in the year
process
US / prə'ses /
•UK / ˈprɑsˌɛs, ˈproˌsɛs /
- noun
- Dealing with official forms in the way required
- Set of changes that occur slowly and naturally
- verb
- To organize and use data in a computer
- To deal with official forms in the way required
- To prepare by treating something in a certain way
- To adopt a set of actions that produce a result
- To convert by putting something through a machine
with
US / wɪð /
•UK / wɪð, wɪθ /
- 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
low
US / ləʊ /
•UK / lo /
- 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
US / si: /
•UK / si /
- 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)
mature
US / məˈtʃʊə(r) /
•UK / məˈtʃʊr /
- adjecitve
- Behaving like an adult
- Being fully developed physically
- verb
- (Wine, cheese) To age to improve its taste
evenly
US / ˈi:vnli /
•UK / ˈivənlɪ /
- adverb
- Equally; with advantage to both sides
- In a smooth, level or regular way
- In a regular, steady, and equally paced manner
tumble
US / 'tʌmbl /
•UK / ˈtʌmbəl /
- verb
- To fall downwards, hitting the ground a few times
and
US / ənd /
•UK / ənd, ən,ænd /
- conjunction
- Used to refer to two or more things
- Plus; in addition; on top of that
- Used to introduce an action that follows another
money
US / 'mʌnɪ /
•UK / ˈmʌni /
- noun
- Coins or notes we use to pay for things
from
US / frəm /
•UK / frʌm, frɑm,frəm /
- preposition
- Starting at a particular place, time or level
leave
US / li:v /
•UK / liv /
- noun
- Permission to do something
- Vacation time; time off work
- verb
- To go away from; depart
- To gift property to someone after you die
- To allow something to continue happening
- To let something remain unused or available
- To let something or someone remain somewhere
take
US / teɪk /
•UK / tek /
- 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
spot
US / spɒt /
•UK / spɑt /
- noun
- A certain place or area
- A difficult time; awkward situation
- Place or ranking on a list
- A small amount of (substance help hard work etc.)
- Mark caused by a drop of liquid, food, etc.
- verb
- To see someone or something by chance
all
US / ɔ:l /
•UK / ɔl /
- adverb
- Completely; totally
- determiner
- Being every one of something
- pronoun
- 100% of something; the complete amount
return
US / rɪ'tɜ:n /
•UK / rɪ'tɜ:rn /
- 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
bit
US / bɪt /
•UK / bɪt /
- 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
look
US / lʊk /
•UK / lʊk /
- 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
proceed
US / prəˈsi:d /
•UK / proʊˈsi:d /
- verb
- To continue to do something; carry on
- To go forward in a certain direction
guarantee
US / ˌɡærən'ti: /
•UK / ˌɡærənˈti /
- noun
- A promise to repair a broken product
- Promise that something will be done as expected
- verb
- To promise to repair a broken product
- To promise that something will happen or be done
- To promise to pay if another person fails to do so
lour
US / ˈlaʊə(r) /
•UK / ˈlaʊər /
- verb
- To set lower
move
US / mu:v /
•UK / muv /
- 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
way
US / weɪ /
•UK / we /
- 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
risk
US / rɪsk /
•UK / rɪsk /
- noun
- Actions that cause potential problems
- verb
- To do something potentially dangerous or foolish
they
US / ðeɪ /
•UK / ðe /
- pronoun
- Two or more people, animals, or things
change
US / tʃeɪndʒ /
•UK / tʃendʒ /
- noun
- Exchange of one set of clothes for another
- Money in the form of coins instead of paper
- Money returned after giving too much
- Act of making or becoming something else
- verb
- To exchange one set of clothes for another
- To exchange one kind of money for another
- To replace something with another thing
- To make or become something else
- To go from one train, bus, etc. and go to another
simple
US / 'sɪmpl /
•UK / ˈsɪmpəl /
- adjecitve
- Not hard to understand or do; not complex
- Having only a few parts; not complex
- Being ordinary or normal
- Being plain; without a lot added for style
show
US / ʃəʊ /
•UK / ʃo /
- noun
- False display of love, emotion or action
- An event for displaying or promoting goods
- Play, opera or theater production
- Presentation that is broadcast on TV or radio
- verb
- To be easily seen or displayed
- To display your emotions or feelings
- To let someone see something; display
- To explain or teach how something is done
- To lead someone somewhere; point them to something
- To prove something to be true, correct
- To reveal or allow something to be seen