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Taking Stock - Housing affordability is at record lows - where does that leave young people?

Video vocabulary

represent

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US / ˌreprɪ'zent /

UK / ˌrɛprɪˈzɛnt /

A2
  • verb
  • To depict art objects, figures, scenes; to portray
  • To show or describe something in a particular way
  • To act on behalf of others in government
  • To act or speak for another person or other people

sense

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US / sens /

UK / sɛns /

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

save

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US / seɪv /

UK / sev /

A1
  • noun
  • Preventing a player in a game from scoring a goal
  • preposition
  • Except; not including
  • verb
  • To make your computer keep a file
  • To keep for future use
  • To make something unnecessary; prevent
  • To keep money so that you will have it later
  • To keep something for future use, such as money
  • To keep or rescue someone or something from harm
  • To prevent a player in a game from scoring a goal
  • To avoid the unnecessary waste of energy, etc.

quite

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US / kwaɪt /

UK / kwaɪt /

A1
  • adverb
  • Not very; fairly
  • Very; In a complete or total manner

minimum

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US / ˈmɪnɪməm /

UK / ˈmɪnəməm /

B1
  • noun
  • Smallest degree or level that is acceptable

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

our

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US / 'aʊə(r) /

UK / aʊr /

A1
  • determiner
  • Belonging to us

canadian

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US / kəˈneɪdiən /

UK / kəˈnediən /

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

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

vancouver

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US / vænˈkuːvə(r) /

UK / vænˈkuːvər /

A1
  • proper noun
  • A city and port in British Columbia, in southwestern Canada, on the mainland opposite Vancouver Isla
  • An industrial port city in southwestern Washington, on the Columbia River, north of Portland in Oreg

stock

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US / stɒk /

UK / stɑk /

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

cash

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US / kæʃ /

UK / kæʃ /

A2
  • noun
  • Physical money (not credit card or digital)
  • verb
  • To sell or give something to get money

whether

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US / ˈweðə(r) /

UK / ˈhwɛðɚ, ˈwɛð- /

A1
  • conjunction
  • If something will happen or not

decent

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US / ˈdi:snt /

UK / ˈdisənt /

B1
  • adjecitve
  • Being fairly good; acceptable

fault

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US / fɔ:lt /

UK / fɔlt /

A2
  • noun
  • A failure or negative aspect of
  • Crack in the earth where earthquakes can happen
  • Responsibility for a bad result or problem
  • verb
  • To blame someone, something for a negative result

not

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US / nɒt /

UK / nɑt /

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

somebody

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US / 'sʌmbədɪ /

UK / ˈsʌmˌbɑdi, -ˌbʌdi, -bədi /

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

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

themselves

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US / ðəmˈselvz /

UK / ðɛmˈsɛlvz, ðəm- /

A1
  • pronoun
  • Reflexive form of 'they'

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

allocate

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US / ˈæləkeɪt /

UK / ˈæləˌket /

B1
  • verb
  • To distribute or set apart for a plan or purpose

considerably

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US / kənˈsɪdərəbli /

UK / kənˈsɪdərəblɪ /

B1
  • adverb
  • Quite a lot; to a large degree

same

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US / seɪm /

UK / sem /

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

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

limitation

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US / ˌlɪmɪˈteɪʃn /

UK / ˌlɪmɪˈteʃən /

B1
  • noun
  • Act of controlling or reducing the size of

really

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US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

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

income

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US / ˈɪnkʌm /

UK / ˈɪnˌkʌm /

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

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

credit

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US / 'kredɪt /

UK / ˈkrɛdɪt /

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

maybe

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US / ˈmeɪbi /

UK / ˈmebi /

A1
  • adverb
  • Possibly but not certainly; perhaps

presumably

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US / prɪˈzju:məbli /

UK / prɪˈzu:məbli /

B1
  • adverb
  • So as to be likely to be true or correct

give

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US / ɡɪv /

UK / ɡɪv /

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

safety

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US / ˈseɪfti /

UK / ˈsefti /

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

support

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US / səˈpɔ:t /

UK / səˈpɔrt, -ˈport /

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

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

formation

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US / fɔ:ˈmeɪʃn /

UK / fɔ:rˈmeɪʃn /

B1
  • noun
  • Process of creating; making a particular shape

but

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US / bət /

UK / bʌt,bət /

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

nearly

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US / ˈniəli /

UK / ˈnɪrli /

A1
  • adverb
  • Not completely; almost

loan

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US / ləʊn /

UK / lon /

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

recent

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US / 'ri:snt /

UK / ˈrisənt /

A1
  • adjecitve
  • Happening or beginning not long ago

tough

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US / tʌf /

UK / tʌf /

A2
  • adjecitve
  • (Of food) difficult to chew or bite through
  • Very difficult to do or deal with
  • Having strict standards
  • Being firm and not easily bent or broken
  • Being strong physically or mentally
  • Being difficult to persuade
  • Capable of violence

especially

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US / ɪˈspeʃəli /

UK / ɛˈspɛʃəli, ɪˈspɛʃ- /

A1
  • adverb
  • More than usual; extremely

towards

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US / tə'wɔ:dz /

UK / 'təuədz, twɔ:dz /

A1
  • preposition
  • In the direction of someone or something

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

good

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US / ɡʊd /

UK / ɡʊd /

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

food

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US / fu:d /

UK / fud /

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

surprise

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US / səˈpraɪz /

UK / sərˈpraɪz /

A1
  • adjecitve
  • That surprises you; not expected
  • noun
  • Something unexpected that slightly shocks you
  • verb
  • To do something that another person didn't expect

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

center

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US / 'sentə /

UK / ˈsɛntɚ /

A1
  • noun
  • Community place people go health or social reasons
  • Place in the middle of something
  • Person or thing that is attracting attention
  • verb
  • To direct focus toward something

anytime

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US / 'enɪˌtaɪm /

UK / ˈɛniˌtaɪm /

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

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

history

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US / 'hɪstrɪ /

UK / ˈhɪstəri /

A2
  • noun
  • Established pattern or record
  • Study of past events as an academic subject

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

rely

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US / rɪ'laɪ /

UK / rɪˈlaɪ /

B2
  • verb
  • Depend on with full trust or confidence

young

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US / jʌŋ /

UK / jʌŋ /

A1
  • adjecitve
  • At an early stage of existence; not mature
  • Being recently created or started
  • noun
  • Babies in a group or family of animals

elderly

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US / ˈeldəli /

UK / ˈeldərli /

A2
  • adjecitve
  • Being very old

instance

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US / 'ɪnstəns /

UK / ˈɪnstəns /

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

almost

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US / 'ɔ:lməʊst /

UK / ˈɔlˌmost, ɔlˈmost /

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

affordability

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US / əˌfɔːdəˈbɪlɪti /

UK / əˌfɔrdəˈbɪləti /

B1
  • noun
  • Cheap enough to buy something you want

store

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US / stɔ:(r) /

UK / stɔr, stor /

A2
  • noun
  • Place where things are kept for future use
  • Place where you can go to buy things
  • verb
  • To put things in a place for later use

boomer

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US / 'bu:mə(r) /

UK / 'bu:mər /

C1
  • noun
  • Member of the baby boom generation in the 1950s

away

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US / ə'weɪ /

UK / əˈwe /

A1
  • adjecitve
  • Not present
  • adverb
  • Disappear completely
  • Doing something with a lot of energy
  • Not here; far from here; in a different direction
  • To a different area, location

fantastic

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US / fænˈtæstɪk /

UK / fænˈtæstɪk /

A2
  • adjecitve
  • Strange or unusual in design or appearance
  • Very large, fast or great
  • Hard to believe; amazing

creditor

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US / ˈkredɪtə(r) /

UK / ˈkrɛdɪtɚ /

A2
  • noun
  • Person to whom money is owed

know

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US / nəʊ /

UK / noʊ /

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

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

often

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US / ˈɔfən /

UK / ˈɔfən,ˈɑfən,ˈɔftən,ˈɑf- /

A1
  • adverb
  • Many times; frequently; on many occasions

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

break

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US / breɪk /

UK / brek /

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

economic

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US / ˌi:kəˈnɒmɪk /

UK / ˌɛkəˈnɑmɪk, ˌikə- /

A2
  • adjecitve
  • Concerning trade, industry, and money

slightly

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US / ˈslaɪtli /

UK / ˈslaɪtli /

B1
  • adverb
  • Only a little

spending

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US / ˈspendɪŋ /

UK / ˈspɛndɪŋ /

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

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

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

process

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US / prə'ses /

UK / ˈprɑsˌɛs, ˈproˌsɛs /

A2
  • 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

month

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US / mʌnθ /

UK / mʌnθ /

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

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

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)

urban

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US / 'ɜ:bən /

UK / ˈɚbən /

B1
  • adjecitve
  • Concerning a city; located in a city

could

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US / kəd /

UK / kʊd /

A1
  • other
  • Past form of 'can' to mean have ability
  • Used to ask for something politely, or to offer

filing

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US / ˈfaɪlɪŋ /

UK / ˈfaɪlɪŋ /

A2
  • verb
  • To make something smooth by rubbing it with a tool
  • To organize documents by storing them safely
  • To submit legal documents to an authority

thank

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US / θæŋk /

UK / θæŋk /

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

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

townsend

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US / /

UK / /

A1
  • noun
  • Designating phenomena and concepts demonstrated by or relating to Townsend's work on the conduction

proceed

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US / prəˈsi:d /

UK / proʊˈsi:d /

A2
  • verb
  • To continue to do something; carry on
  • To go forward in a certain direction

otherwise

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US / ˈʌðəwaiz /

UK / ˈʌðɚˌwaɪz /

A2
  • adverb
  • In an additional or different way
  • Unless; or

way

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US / weɪ /

UK / we /

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

outcome

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US / ˈaʊtkʌm /

UK / ˈaʊtˌkʌm /

A2
  • noun
  • Something that happens as a result, consequence

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

carve

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US / kɑ:v /

UK / kɑ:rv /

B1
  • verb
  • To cut a piece of cooked meat into thin slices
  • To make a cut in, e.g. to write your name on tree
  • To cut wood, etc., into a particular shape

prove

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US / pru:v /

UK / pruv /

A2
  • verb
  • To demonstrate truth by providing evidence

fast

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US / fɑ:st /

UK / fæst /

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

bring

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US / brɪŋ /

UK / brɪŋ /

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

who

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US / hu: /

UK / hu /

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

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

old

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US / əʊld /

UK / old /

A1
  • adjecitve
  • Having existed for a long time, not young or new
  • Age of a person since birth

dole

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US / dəʊl /

UK / dol /

B2
  • noun
  • Money given by a government to unemployed people
  • verb
  • To give out money, food etc.; distribute

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

miss

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US / mɪs /

UK / mɪs /

A1
  • noun
  • Action of not hitting something or someone
  • Form of address to unmarried girl or woman
  • verb
  • To be absent
  • To fail to hit something e.g. a ball
  • To do without something
  • To fail to see or sense something
  • To fail to understand someone's message
  • To be too late to ride on something e.g. train
  • To feel you want to see someone who is not there

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

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

everything

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US / 'evrɪθɪŋ /

UK / ˈɛvriˌθɪŋ /

A1
  • pronoun
  • All of the things mentioned

option

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US / 'ɒpʃn /

UK / ˈɑpʃən /

A2
  • noun
  • A choice
  • Right to buy or sell at a certain price and time

ago

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US / əˈgəʊ /

UK / əˈgoʊ /

A1
  • adverb
  • At a specified length of time in the past

whereas

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US / ˌweərˈæz /

UK / hwɛrˈæz, wɛr- /

A2
  • conjunction
  • Taking into consideration the fact that

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

change

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US / tʃeɪndʒ /

UK / tʃendʒ /

A1
  • 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

due

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US / dju: /

UK / du, dju /

A1
  • adjecitve
  • When something is required or expected
  • Owed to a person as a right
  • noun
  • Something you deserve; something you can expect

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

yes

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US / jes /

UK / jɛs /

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

they

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US / ðeɪ /

UK / ðe /

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

result

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US / rɪ'zʌlt /

UK / rɪˈzʌlt /

A2
  • noun
  • Something produced through tests or experiments
  • Final score of a competition, election or game
  • verb
  • To be the outcome of other causes and effects

human

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US / 'hju:mən /

UK / ˈhjumən /

A1
  • adjecitve
  • Concerning or characteristic of people
  • noun
  • A person; a man, woman or child

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

asset

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US / 'æset /

UK / ˈæsˌɛt /

A2
  • noun
  • Thing that has value to you

extricate

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US / ˈekstrɪkeɪt /

UK / ˈɛkstrɪˌket /

C1
  • verb
  • To get someone out of a difficult situation, place

control

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US / kən'trəʊl /

UK / kənˈtrol /

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

generation

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US / ˌdʒenəˈreɪʃn /

UK / ˌdʒɛnəˈreʃən /

A2
  • noun
  • Act or process of producing or causing something
  • People born and living at about the same time

though

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US / ðəu /

UK / ðo /

A1
  • adverb
  • Although, despite the fact that

consumption

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US / kənˈsʌmpʃn /

UK / kənˈsʌmpʃən /

B1
  • noun
  • The act of buying and using products
  • The act of using energy, food or materials; the amount used
  • A serious disease of the lungs

leverage

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US / 'li:vərɪdʒ /

UK / ˈlɛvərɪdʒ, ˈlivə- /

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

tuition

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US / tjuˈɪʃn /

UK / tuˈɪʃən, tju- /

B2
  • noun
  • Money that is paid for lessons

climb

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US / klaɪm /

UK / klaɪm /

A1
  • noun
  • A trip up something, e.g. a mountain
  • Increase or a rise toward a higher price or point
  • verb
  • To rise gradually and steadily to a higher point
  • To increase or rise toward a higher price or point

vehicle

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US / ˈvi:əkl /

UK / ˈvi:hɪkl /

A2
  • noun
  • Machine (such as a car) used to carry things
  • Means of expressing, showing, or achieving

necessarily

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US / ˌnesəˈserəli /

UK / ˌnɛsɪˈsɛrəli, -ˈsɛr- /

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

mortgage

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US / 'mɔ:ɡɪdʒ /

UK / ˈmɔrɡɪdʒ /

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

card

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US / kɑ:d /

UK / kɑ:rd /

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

consumer

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US / kənˈsju:mə(r) /

UK / kənˈsumɚ /

A2
  • noun
  • Person who buys goods or services

few

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US / fju: /

UK / fju /

A1
  • pronoun
  • Not many, a small number

spend

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US / spend /

UK / spɛnd /

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

job

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US / dʒɒb /

UK / dʒɑ:b /

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

consequence

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US / ˈkɔnsikwəns /

UK / ˈkɑnsɪˌkwɛns,-kwəns /

A2
  • noun
  • Importance of a person or thing
  • Outcome of an event; result

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

for

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US / fə(r) /

UK / fɔr,fə /

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

attitude

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US / ˈætitju:d /

UK / ˈætɪˌtud, -ˌtjud /

A2
  • noun
  • Way you act, think and feel about something

yourself

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US / jɔ:ˈself /

UK / jʊrˈsɛlf, jɔr-, jor-, jə- /

A1
  • pronoun
  • Reflexive form of 'you', used for an emphasis

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

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

soon

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US / su:n /

UK / sun /

A1
  • adverb
  • At a time not long from now

financial

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US / faɪˈnænʃl /

UK / faɪˈnænʃ(ə)l /

A2
  • adjecitve
  • Involving money

improvement

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US / ɪmˈpru:vmənt /

UK / ɪmˈpruvmənt /

A2
  • noun
  • Addition or change that makes something better

basis

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US / ˈbeɪsɪs /

UK / ˈbesɪs /

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

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

set

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US / set /

UK / sɛt /

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

grow

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US / ɡrəʊ /

UK / ɡro /

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

disproportionate

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US / ˌdɪsprəˈpɔ:ʃənət /

UK / ˌdɪsprəˈpɔrʃənɪt,-ˈpor- /

B2
  • adjecitve
  • Not equal or in balance

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

compile

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US / kəm'paɪl /

UK / kəmˈpaɪl /

B1
  • verb
  • To put programming data into a computer
  • To gather (articles) for a book

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

logic

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US / ˈlɒdʒɪk /

UK / ˈlɑ:dʒɪk /

A2
  • noun
  • Proper, valid sensible reasoning
  • Scientific study of reasoning

never

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US / 'nevə(r) /

UK / ˈnɛvɚ /

A1
  • adverb
  • Not ever; not at any time

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

situation

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US / ˌsɪtʃuˈeɪʃn /

UK / ˌsɪtʃuˈeʃən /

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

purchase

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US / ˈpɜːtʃəs /

UK / ˈpɜːrtʃəs /

A2
  • noun
  • Something that you bought
  • Strong hold on something; grip
  • verb
  • To buy something; to get by paying money for it

wonder

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US / 'wʌndə(r) /

UK / ˈwʌndɚ /

A1
  • noun
  • Surprise caused by experiencing something amazing
  • verb
  • To feel curious about something
  • To think or consider about something over time

upcoming

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US / ˈʌpkʌmɪŋ /

UK / ˈʌpˌkʌmɪŋ /

C1
  • adjecitve
  • Occurring soon; approaching

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

myself

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US / maɪˈself /

UK / maɪˈsɛlf /

A1
  • pronoun
  • The same person who did the action mentioned
  • My regular, usual, or healthy self

technology

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US / tek'nɒlədʒɪ /

UK / tɛkˈnɑlədʒi /

A2
  • noun
  • Use or knowledge of science in industry etc.

upend

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US / ʌpˈend /

UK / ʌpˈɛnd /

C2
  • verb
  • To overturn or turn up on end

head

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US / hed /

UK / hɛd /

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

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

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

piece

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US / pi:s /

UK / pis /

A1
  • noun
  • A counter in a board game
  • Small part of something larger
  • verb
  • To put items together to assemble something

ownership

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US / ˈəʊnəʃɪp /

UK / ˈoʊnərʃɪp /

A2
  • noun
  • State of having a legal right to possess something

resort

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US / rɪ'zɔ:t /

UK / rɪ'zɔ:rt /

B1
  • noun
  • Act of choosing something to help with a problem
  • Vacation hotel or complex; area for holidays

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)

beyond

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US / bɪ'jɒnd /

UK / biˈɑnd, bɪˈjɑnd /

A2
  • adverb
  • On or to the farther side
  • In addition to
  • preposition
  • Later in time than
  • Out of the limits of

finance

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US / ˈfaɪnæns /

UK / fəˈnæns, faɪ-, ˈfaɪˌnæns /

A2
  • adjecitve
  • Concerned with money
  • noun
  • Control of money a person, business has access to
  • verb
  • To support someone or something financially

poor

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US / pʊə(r) /

UK / pʊr /

A1
  • adjecitve
  • Inferior; below the normal standard
  • Deserving of pity or sympathy
  • Without money; not rich

national

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US / 'næʃnəl /

UK / ˈnæʃənəl, ˈnæʃnəl /

A2
  • adjecitve
  • Concerning a nation as a whole
  • noun
  • A person of a particular country

leave

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US / li:v /

UK / liv /

A1
  • 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

anything

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US / ˈeniθɪŋ /

UK / ˈɛniˌθɪŋ /

A1
  • pronoun
  • A thing of any kind

large

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US / lɑ:dʒ /

UK / lɑ:rdʒ /

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

most

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US / məʊst /

UK / most /

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

increasingly

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US / ɪnˈkri:sɪŋli /

UK / ɪnˈkriːsɪŋli /

A2
  • adverb
  • More and more; in greater degree or amount

dad

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US / dæd /

UK / dæd /

A1
  • noun
  • Another word for father

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

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

majority

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US / mə'dʒɒrətɪ /

UK / məˈdʒɔrɪti, -ˈdʒɑr- /

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

rental

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US / ˈrentl /

UK / ˈrɛntl: /

A2
  • noun
  • Home, car etc. rented for a while
  • Act of renting something for a period of time

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

proportion

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US / prəˈpɔ:ʃn /

UK / prəˈpɔrʃən, -ˈpor- /

A2
  • noun
  • A part of a whole thing
  • State of balance between two or more things
  • Size of one thing compared to the size of another
  • verb
  • To balance the size of something with another

squeeze

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US / skwi:z /

UK / skwiz /

C1
  • noun
  • Amount of liquid from firmly pressing e.g. orange
  • Act of putting pressure on, as to get liquid out
  • When there is not enough space for things/people
  • Act of firmly pressing on two or more sides
  • verb
  • To force or threaten someone to give you something
  • To strongly compress something to get liquid out
  • To be pressed together or crowded into an area
  • To press together the opposite sides of something
  • To reduce the amount of something

demographic

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US / ˌdemə'ɡræfɪk /

UK / ˌdemə'ɡræfɪk /

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

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

real

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US / rɪəl /

UK / ˈriəl, ril /

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

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

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

reduce

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US / rɪ'dju:s /

UK / rɪˈdus, -ˈdjus /

A2
  • verb
  • To try to decrease, e.g. your weight if overweight
  • To boil a liquid until it has decreased in amount
  • To make something smaller in size, amount, level

affect

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US / ə'fekt /

UK / əˈfɛkt /

A2
  • verb
  • To cause a change in something else

put

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US / pʊt /

UK / pʊt /

A1
  • phrasal verb
  • to make a light stop shining by pressing or moving a switch
  • verb
  • To move or place a thing in a particular position
  • To rate something in importance or value
  • To write or say something in a certain manner

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

estate

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US / ɪˈsteɪt /

UK / ɪˈstet /

A2
  • noun
  • A large piece of land, usually with a large house
  • Group of houses all built at the same time

from

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US / frəm /

UK / frʌm, frɑm,frəm /

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

major

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US / 'meɪdʒə(r) /

UK / ˈmedʒɚ /

A2
  • adjecitve
  • Main league; esp. referring to American baseball
  • Important, serious, or large in scope, size
  • noun
  • High-ranking officer in the army
  • Main subject you study at university
  • verb
  • To study a particular subject at university

money

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US / 'mʌnɪ /

UK / ˈmʌni /

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

insolvency

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US / ɪnˈsɒlvənsi /

UK / ɪnˈsɑːlvənsi /

B2
  • noun
  • State of being unable to pay debts

certainly

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US / ˈsə:tnli /

UK / ˈsɚtnli /

A1
  • adverb
  • Sure; of course

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

recession

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US / rɪˈseʃn /

UK / rɪˈsɛʃən /

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

prepare

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US / prɪˈpeə(r) /

UK / prɪˈper /

A1
  • verb
  • To make something ready for use

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

normally

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US / ˈnɔ:məli /

UK / ˈnɔːrməli /

B1
  • adverb
  • In the manner that is usual or ordinary

unwittingly

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US / ʌnˈwɪtɪŋli /

UK / ˌʌnˈwɪtɪŋlɪ /

B1
  • adverb
  • Without knowledge or intention

perhaps

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US / pəˈhæps /

UK / pɚˈhæps /

A1
  • adverb
  • Possibly, but not certainly; maybe

any

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US / 'enɪ /

UK / ˈɛni /

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

share

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US / ʃeə(r) /

UK / ʃɛr /

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

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

immigration

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US / ˌɪmɪˈgreɪʃn /

UK / ˌɪmɪˈɡreɪʃn /

B1
  • noun
  • Process of moving your home to a new country

also

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US / 'ɔ:lsəʊ /

UK / ˈɔlso /

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

budget

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US / 'bʌdʒɪt /

UK / ˈbʌdʒɪt /

A2
  • adjecitve
  • Low cost; inexpensive
  • noun
  • Amount of money planned to be spent
  • verb
  • To make a plan for how to spend your money

reinvest

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US / ˌri:ɪnˈvest /

UK / ˌri:ɪn'vest /

B1
  • verb
  • To reuse resources to build for the future

other

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US / 'ʌðə(r) /

UK / ˈʌðər /

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

how

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US / haʊ /

UK / haʊ /

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

wow

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US / waʊ /

UK / waʊ /

A1
  • exclamation
  • Sound people make when they make are impressed
  • verb
  • (Informal) to greatly impress someone

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

lead

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US / li:d /

UK / lid /

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

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

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

therefore

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US / ˈðeəfɔ:(r) /

UK / ˈðerfɔ:(r) /

A1
  • adverb
  • And so; for that reason

follow

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US / ˈfɔləu /

UK / ˈfɑlo /

A1
  • verb
  • To come after someone; be guided by someone
  • To support someone, e.g. singer or comedian
  • To be the logical result of something
  • To happen after something else happens
  • To believe a set of values or a moral teacher
  • To understand something happening or being said

simply

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US / ˈsɪmpli /

UK / ˈsɪmpli /

A1
  • adverb
  • In an easy or clear manner

although

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US / ɔ:lˈðəu /

UK / ɔlˈðo /

A1
  • conjunction
  • Despite the fact that; however

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

university

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US / ˌju:nɪ'vɜ:sətɪ /

UK / ˌjunɪˈvɜrsəti /

A1
  • noun
  • High-level educational institution; college

backing

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US / ˈbækɪŋ /

UK / ˈbækɪŋ /

A2
  • noun
  • Supporting another person, often with money
  • verb
  • To bet money on something
  • To go backwards in a car
  • To support and encourage someone or some cause

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

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

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

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

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

theme

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US / θi:m /

UK / θim /

A2
  • noun
  • An main or dominant idea, motif
  • Main idea of a work of art, writing, or music
  • Main subject being discussed or described

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

than

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US / ðən /

UK / ðən /

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

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

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

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

perfect

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US / 'pɜ:fɪkt /

UK / ˈpɚfɪkt /

A1
  • adjecitve
  • So good it cannot be improved
  • verb
  • To do something so well, it cannot be done better

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

school

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US / sku:l /

UK / skul /

A1
  • adjecitve
  • Being to do with schools and education
  • noun
  • Large group of fish that swim together
  • Education of a child
  • Building where you learn in classes with a teacher
  • A particular belief or idea about something
  • verb
  • To teach or train someone to know or do something

stand

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US / stænd /

UK / stænd /

A1
  • noun
  • Effort to fight against something
  • Piece of furniture; device to hold or support
  • Place in a stadium where spectators watch
  • Table where things are sold at a fair or market
  • verb
  • To be a candidate in an election
  • To be able to accept someone, something; bear
  • To last for a long time
  • To be upright; not be sitting or lying down
  • To place something in a particular position; place
  • To be (as stated)
  • To still be valid
  • To have an opinion about something

trend

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US / trend /

UK / trɛnd /

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

millennial

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US / mɪ'lenɪəl /

UK / mɪ'lenɪrl /

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

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

you

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US / jʊ /

UK / ju /

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

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

parent

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US / 'peərənt /

UK / ˈpɛrənt, ˈpær- /

A1
  • noun
  • Person's, animal's mother or father
  • Something creating other things of the same kind

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

wage

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US / weɪdʒ /

UK / wedʒ /

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

payment

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US / ˈpeɪmənt /

UK / ˈpemənt /

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

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;

able

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US / 'eɪbl /

UK / ˈebəl /

A2
  • adjecitve
  • Skilled; good at something
  • Having the ability to do something

person

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US / 'pɜ:sn /

UK / 'pɜ:rsn /

A1
  • noun
  • Man, woman or child

dump

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US / dʌmp /

UK / dʌmp /

B1
  • verb
  • To end a romantic relationship
  • To put something somewhere without care
  • To throw away as waste
  • To get rid of unwanted things in an illegal manner

multiple

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US / ˈmʌltɪpl /

UK / ˈmʌltəpəl /

B1
  • adjecitve
  • Having or involving more than one of something
  • noun
  • Number produced by multiplying a smaller number
  • Shop with many branches

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

rent

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US / rent /

UK / rɛnt /

A2
  • verb
  • To give the use of something in return for payment
  • To cut a piece of cloth by tearing it

investment

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US / ɪnˈvestmənt /

UK / ɪnˈvɛstmənt /

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

dire

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US / ˈdaɪə(r) /

UK / daɪr /

B2
  • adjecitve
  • (E.g. of consequences) very serious

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

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

word

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US / wɜ:d /

UK / wɚd /

A1
  • noun
  • Unit of language that has a meaning
  • Promise
  • Short remark or piece of information
  • verb
  • To express something by choosing particular words

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

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

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

mention

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US / 'menʃn /

UK / ˈmɛnʃən /

A2
  • noun
  • Act of referring to or talking about something
  • verb
  • To refer to or talk or write about something

cohort

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US / ˈkəuhɔ:t /

UK / ˈkoˌhɔrt /

B2
  • noun
  • Group of students studying something together
  • Friends or supporters of a person

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

vacancy

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US / ˈveɪkənsi /

UK / ˈvekənsi /

B2
  • noun
  • Space or position available for occupancy

extent

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US / ɪkˈstent /

UK / ɪkˈstɛnt /

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

firm

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US / fɜ:m /

UK / fɚm /

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

house

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US / haʊs /

UK / haʊs /

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

doug

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US / dʌg /

UK / dʌg /

A1

absolutely

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US / ˈæbsəlu:tli /

UK / ˈæbsəˌlutli, ˌæbsəˈlutli /

A2
  • adverb
  • Completely; totally; very

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

people

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US / 'pi:pl /

UK / ˈpipəl /

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

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

force

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US / fɔ:s /

UK / fɔrs, fors /

A1
  • noun
  • Group of persons trained for military action; army
  • Pressure; attraction
  • The use of physical strength/violence to persuade
  • verb
  • To use physical strength or violence to persuade

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)

arrangement

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US / əˈreɪndʒmənt /

UK / əˈrendʒmənt /

A2
  • noun
  • Particular design of a device
  • Piece of music written for a particular instrument
  • Group of things organized in a particular way
  • Organized plan, event for a time and place
  • Action done in order for something to happen

example

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US / ɪgˈzɑ:mpl /

UK / ɪɡˈzæmpəl /

A1
  • noun
  • Thing, person which represents a category

education

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US / ˌedʒuˈkeɪʃn /

UK / ˌɛdʒəˈkeʃən /

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

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’

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

own

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US / əʊn /

UK / on /

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

city

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US / 'sɪtɪ /

UK / ˈsɪti /

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

mean

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US / mi:n /

UK / min /

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

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

bankruptcy

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US / ˈbæŋkrʌptsi /

UK / ˈbæŋkrʌptsi /

B2
  • noun
  • State of having no money and unable to pay debts

portion

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US / 'pɔ:ʃn /

UK / ˈpɔrʃən, ˈpor- /

B1
  • noun
  • Serving of food that is intended for one person
  • Part of something shared that belongs to a whole
  • verb
  • To separate something to divide among people

even

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US / 'i:vn /

UK / ˈivən /

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

culprit

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US / ˈkʌlprɪt /

UK / ˈkʌlprɪt /

B2
  • noun
  • Person who has done something wrong or illegal

value

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US / 'vælju: /

UK / ˈvælju /

A1
  • noun
  • Importance you attach to something
  • Some information expressed as a number
  • Stated price of something; worth
  • verb
  • To place a high importance on something
  • To say how much money something is worth

find

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US / faɪnd /

UK / faɪnd /

A1
  • noun
  • Object discovered by chance
  • Things that have been discovered from searching
  • verb
  • To become aware of something that is happening
  • To discover or meet by chance
  • To decide if someone is guilty of a crime, or not
  • To learn through study, research, or effort
  • To discover something by looking for it

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

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

monthly

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US / ˈmʌnθli /

UK / ˈmʌnθli /

A2
  • adverb
  • Occurring about once every 4 weeks

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

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

typical

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US / ˈtɪpɪkl /

UK / ˈtɪpɪkəl /

A2
  • adjecitve
  • Normal; usual; expected

mum

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US / mʌm /

UK / mʌm /

A1
  • noun
  • Mother

index

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US / ˈɪndeks /

UK / ˈɪnˌdɛks /

A2
  • noun
  • Number showing how prices, wages changed over time
  • Written or printed (usually alphabetical) list
  • verb
  • To adjust a value/wages as other things change
  • To make a list of things in alphabetical order

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

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

homebuyer

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US / ˈhəʊmbaɪə(r) /

UK / ˈhoʊmbaɪə(r) /

A1
  • noun
  • Someone buying a home

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

primary

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US / 'praɪmərɪ /

UK / ˈpraɪˌmɛri, -məri /

B2
  • adjecitve
  • Most important, most basic or essential
  • Happening first; earliest
  • of or for the teaching of young children

student

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US / ˈstju:dnt /

UK / ˈstudnt, ˈstjud- /

A1
  • noun
  • Person studying at school

toronto

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US / tə'rɒntəʊ /

UK / tə'rɑnto /

A1
  • proper noun
  • A city in Canada, capital of Ontario, on the northern shore of Lake Ontario; population 2,503,281 (2

tell

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US / tel /

UK / tɛl /

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

seconds

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US / 'sekəndz /

UK / 'sekəndz /

A1
  • other
  • Units of time; one sixtieth of a minute
  • Short periods of time you wait for someone
  • verb
  • To agree to support a proposal at a meeting

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

difficulty

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US / ˈdɪfɪkəlti /

UK / ˈdɪfɪˌkʌlti, -kəl- /

A1
  • noun
  • Something that is hard to do

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

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

different

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US / ˈdɪfrənt /

UK / ˈdɪfrənt /

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

yeah

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US / jeə /

UK / ˈjɛə, ˈjæə, jɛ- /

A1
  • exclamation
  • Another way of saying 'yes'

staggeringly

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US / 'stæɡərɪŋlɪ /

UK / 'stæɡərɪŋlɪ /

B2
  • adverb
  • So as to greatly surprise; amazingly

shut

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US / ʃʌt /

UK / ʃʌt /

A2
  • verb
  • To stop being open for business
  • To close something, e.g. a door

while

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US / waɪl /

UK / hwaɪl, waɪl /

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

should

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US / ʃʊd /

UK / ʃʊd /

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

declare

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US / dɪ'kleə(r) /

UK / dɪˈklɛr /

A2
  • verb
  • To make a statement in a strong and confident way
  • To show the cost of things purchased overseas
  • To say something in an official or sure way

afford

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US / ə'fɔ:d /

UK / əˈfɔrd, əˈford /

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

past

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US / pɑ:st /

UK / pæst /

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

healthy

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US / ˈhelθi /

UK / ˈhɛlθi /

A1
  • adjecitve
  • In good condition physically, or financially; well

inflation

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US / ɪn'fleɪʃn /

UK / ɪnˈfleʃən /

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

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

fairly

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US / 'feəlɪ /

UK / ˈfɛrli /

A2
  • adverb
  • Quite; pretty; between very and a little
  • In a manner that is right and acceptable

population

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US / ˌpɒpjuˈleɪʃn /

UK / ˌpɑpjəˈleʃən /

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

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

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

insolvent

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US / ɪnˈsɒlvənt /

UK / ɪnˈsɑːlvənt /

B2
  • adjecitve
  • Unable to pay your debts

guess

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US / ɡes /

UK / ɡɛs /

A1
  • noun
  • Answer given when you don't know if it is correct
  • verb
  • To give an answer without knowing if it is correct

shift

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US / ʃɪft /

UK / ʃɪft /

A2
  • adjecitve
  • (Of work) starting at a certain time, as at night
  • noun
  • A change in a persons plans, opinions or beliefs
  • Period of work starting at a certain time
  • verb
  • To change in position or direction
  • To move something from one place to another

debt

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US / det /

UK / dɛt /

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

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

obviously

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US / ˈɒbviəsli /

UK / ˈɑːbviəsli /

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

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

proposal

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US / prəˈpəʊzl /

UK / prəˈpozəl /

B1
  • noun
  • Act of asking someone to marry you
  • Offer or plan to people who can decide about it

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

delay

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US / dɪˈleɪ /

UK / dɪˈle /

A2
  • noun
  • Action of being late or happening later
  • verb
  • To wait some amount of time before doing something
  • To do something later than is planned or expected
  • To stop something from happening for a time

many

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US / 'menɪ /

UK / ˈmɛni /

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

someone

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US / ˈsʌmwʌn /

UK / ˈsʌmˌwʌn, -wən /

A1
  • pronoun
  • Person who is not known or named

sell

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US / sel /

UK / sɛl /

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

actually

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US / ˈæktʃuəli /

UK / ˈæktʃuəli /

A1
  • adverb
  • Used to add new (often different) information

sort

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US / sɔ:t /

UK / sɔrt /

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

unless

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US / ənˈles /

UK / ʌnˈlɛs /

A2
  • conjunction
  • Negative of 'if'

too

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US / tu: /

UK / tu /

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

here

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US / hɪə(r) /

UK / hɪr /

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

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

net

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US / net /

UK / nɛt /

A2
  • adjecitve
  • Remaining amount after something is taken away
  • noun
  • Internet
  • Crossed rope, fibers with partly open pattern
  • Crossed ropes that make up the back of a goal
  • verb
  • To catch or cover something in a mesh, often fish
  • To gain or earn a certain amount of money
  • To hit a ball into a goal during a sports event

age

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US / eɪdʒ /

UK / edʒ /

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

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

daunt

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US / dɔ:nt /

UK / dɔnt, dɑnt /

B2
  • verb
  • To make someone feel less courageous or confident

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

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

additional

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US / əˈdɪʃənl /

UK / ə'dɪʃənl /

A2
  • adjecitve
  • Further or added

ideal

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US / aɪˈdi:əl /

UK / aɪˈdiəl, aɪˈdil /

A2
  • adjecitve
  • Exactly right; could not be better
  • Which is thought of as being perfect

homeowner

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US / ˈhəʊməʊnə(r) /

UK / ˈhomˌonɚ /

C2
  • noun
  • Someone who owns a home

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

true

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US / tru: /

UK / tru: /

A1
  • adjecitve
  • Agreeing with the facts; not false; real or actual

exactly

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US / ɪgˈzæktli /

UK / ɪɡˈzæktli /

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

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
  • Subtitles section
  • Welcome back.
  • Well, it now takes 297 months to save for a down payment for the average home in Toronto.
  • 340 months in Vancouver.
  • That puts home ownership out of reach for many of Canada's larger urban centres.
  • Meanwhile, average rents across the country are at record highs and climbing.
  • Where does all of that leave young people when it comes to a decent place to live?
  • Kyle Dumps is an economist with National Bank of Canada.
  • Kyle, thanks for being with us.
  • Thank you for having me.
  • So these affordability numbers that National Bank compiled are alarming and, you know, obviously kind of multi-year highs.
  • If we put that in the context of a young person trying to get into this market, how daunting is it right now?
  • Well, certainly we have seen an improvement over the last couple of quarters when it comes to housing affordability.
  • So we've actually seen our index improve on the basis that home prices have declined over the last three quarters, incomes are still rising and mortgage interest rates have come down a bit.
  • But certainly if we look at it from a down payment perspective, things are quite dire.
  • On the national average basis, it would take about 73 months, give or take, to save for that down payment, whereas it's been on average about, I would say 41 months since the early 2000s.
  • So things, you know, certainly have improved in the short term.
  • But if we look on the longer perspective, it's not an ideal situation for those first-time homebuyers.
  • And I mean, I guess the kind of context I'm wondering about this is how important is it to be a homeowner?
  • And how important is it to start that process young?
  • Because there's a whole kind of cohort that's being shut out of this.
  • It's just too expensive.
  • It takes too long.
  • By the time they can afford it, they're just older.
  • Does that have longer-term consequences for people's finances?
  • Certainly, because, I mean, housing has often been seen as a bit of an investment vehicle, although a primary home shouldn't necessarily be an investment.
  • It certainly has been for the majority of Canadians as they've seen home prices increase over the last 20 years at quite high multiples.
  • So if you're not in the housing market, there's certainly some aspect of having that leveraged investment that you're missing out on.
  • And normally, the rental market would have been one area where you would have been able to perhaps save a bit on a monthly payment basis and be able to put some money aside and reinvest those proceeds from,
  • Let's say, the stock market, right?
  • But that hasn't proven to be true in the last little while as rents have gone up quite considerably.
  • And now we're seeing vacancy rates in major Canadian cities that are at nearly all-time lows.
  • So that's certainly a tough situation for the rental market as well.
  • The other piece of this, of course, Kyle, is that people who can break into that market are presumably spending more of their income on the mortgage.
  • In other words, their savings in other ways and their spending in other ways will also be affected.
  • Does that create kind of a change in the economics of the country?
  • In other words, should we have different expectations about what spending will look like when we have a generation that might be a little bit house poor?
  • Right, yeah.
  • I mean, in terms of how people allocate their income, if they're having to increasingly put their income towards housing, whether it be towards mortgage payments or just for having to purchase a home,
  • They're going to reduce consumption in other areas of their lives, right?
  • And we've obviously seen inflation be a major theme over the last year and a half.
  • And budgets have obviously had to shift just due to the increasing price of goods and services.
  • So certainly it's squeezing a lot of people.
  • Canadians have done fairly well due to, you know, decent excess savings.
  • But as those excess savings start to go away and people start to dole them out, certainly we could see a bit of a squeeze happening for Canadians.
  • Just a few seconds here, but do you see this changing anytime soon?
  • With the recent interest rate increase by the Bank of Canada, I think things could get a bit tougher in the upcoming period, especially as we've seen mortgage interest rates go up slightly.
  • But certainly we see a first rate cut in the first quarter of 2024, so we could see some improvement on that side.
  • So good to have you, Kyle.
  • Appreciate it.
  • Thank you for having me.
  • Kel Townsend is an economist with National Bank.
  • A growing number of younger Canadians are finding themselves insolvent and either declaring bankruptcy or working out some arrangement with creditors.
  • Student loans and credit cards are typical culprits, but the high cost of living leaves some with few options.
  • Doug Hoyes is co-founder of insolvency firm Hoyes & McClose.
  • Thanks for being with us.
  • Thanks, Amanda.
  • So the numbers actually are pretty staggeringly high in terms of the proportion of millennials filing for these insolvencies.
  • What's going on?
  • Does this jump out at you as an anomaly in your experience?
  • Well, it's certainly an anomaly looking at past history.
  • If you look at the population of Canada over the age of 18, like, I don't know, a quarter of them are millennials, but in terms of filing insolvency, it's more like half of all people filing insolvency are millennials.
  • So they certainly have a disproportionate share of the insolvency pie.
  • But when you think about it, it kind of makes sense.
  • Boomers who also get into financial trouble are much more likely to have owned a home for 20 years.
  • So even if they have credit card debt, wow, they've got a home they can rely on, they can refinance it, they can sell it.
  • If you're a millennial, someone who's, you know, 30 years old, for example, you probably never got into the housing market.
  • You don't have any assets backing you up.
  • So when you get into financial trouble, well, you have no safety net.
  • I guess that does lead me, though, to wonder if those same young people are setting themselves up for difficulty getting into that housing market, for instance, getting additional credit down the road.
  • What's the outcome of this process for the young people that are finding themselves needing to do it?
  • Well, you're absolutely right.
  • And so you mentioned student loans.
  • Well, that's much more likely to affect someone at the younger end of the demographic age than older.
  • So you graduate from school at the age of 22, but you graduate with student loans.
  • And if it's going to take you 10 years to pay off your student loans, then during that time period, you're certainly not buying a house because you've got all these other debts to service.
  • And if anything goes wrong, if you don't get that fantastic job right out of school, then what do you do?
  • Well, now you've got to rely on things like credit cards or high-interest installment loans, so you're making your debt levels even higher.
  • So it's much less likely that someone who's young can get into the housing market, much like somebody 30 years ago could have.
  • So it's certainly delaying all of those things.
  • Buying a house, family formation, all of those things.
  • So then does that lead us to, if we kind of follow that logic through, Doug, a home is often the kind of forced savings for a lot of Canadians.
  • It's where we store up value almost unwittingly over time.
  • Are we now creating kind of a whole cohort of people that won't have that option or won't come to it soon enough and therefore will be elderly people with less means and more debt?
  • Yes, that's exactly where the trend is going.
  • Now, I can't see into the future 20 or 30 years.
  • Perhaps we have a correction.
  • Maybe we have a recession.
  • Maybe housing prices come down.
  • Maybe immigration changes.
  • We don't have as many new people coming in.
  • And as a result, people can get into the housing market.
  • But as it stands right now, it is almost impossible for somebody who's 30 years old to be buying a house unless they've got support from the bank of mum and dad.
  • So yes, you've absolutely carved out a significant portion of the population who simply cannot get into the real estate market.
  • Now, we know because of education and because of changing of thinking around this, there are just more kind of consumer proposals, working things out with creditors than there have been in the past.
  • That's a good, healthy thing, I would say.
  • What does it say, though, that we've got young people finding themselves in over their heads at this extent?
  • How much of that is about their own attitudes that they're bringing to it?
  • And how much of it is just that the cost of living and the debts that they have by the time they get to that age are beyond their control?
  • Well, and you cannot generalize.
  • There is no one human being who represents everything.
  • Certainly there are young people and old people who were not good with their money and spent too much money.
  • But I think it's much more likely that the young person has gotten into trouble through no fault of their own or there wasn't a whole lot they could have done otherwise.
  • When I went to school, you know, 35 years ago, tuition was $1,000 a year.
  • I could get a summer job, pay for it myself.
  • That's impossible now.
  • You're going to university now, and unless your parents are able to pay for it, it's impossible to get a minimum wage summer job and pay for the cost of school.
  • So you have to take on student debt, which is what we tell you to do.
  • You've got to improve yourself, get an education.
  • So you're starting off with that limitation.
  • And then unless you get the perfect job coming out of school, we all know what costs are like.
  • Wages are not going up as fast as what costs have gone up, inflation, food costs, rental costs, all those sorts of things.
  • So you're starting off with debt, and then you're getting into a market where your cash flow is constrained.
  • It's not really a surprise that a significant number of people then rely on debt, get into trouble, and have to resort to a consumer proposal to extricate themselves from it.
  • Tough times.
  • Doug, it's good to have your thoughts on this.
  • Appreciate it.
  • Thanks, Amanda.
  • Doug Hoyes is co-founder of Hoyes Michelos.
  • Coming up, our economy is changing and new technology could upend most jobs.
  • So how does a young person prepare?
  • Stay with us.