Why Credit Scores Tend to Decline in Retirement | WSJ Your Money Briefing
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briefing
US / ˈbri:fɪŋ /
•UK / ˈbrifɪŋ /
- noun
- Giving information and instructions for a meeting
- verb
- To give information and instructions in a meeting
graphic
US / ˈgræfɪk /
•UK / ˈɡræfɪk /
- adjecitve
- Concerning things that are drawn
- In clear detail, often when unpleasant in some way
- noun
- Picture or drawing used to show something clearly
big
US / bɪɡ /
•UK / bɪɡ /
- adjecitve
- Popular
- Serious
- Large
might
US / maɪt /
•UK / maɪt /
- other
- Used to politely request an action
- Used to express that something could happen
- Power, strength, force or influence
material
US / məˈtɪəriəl /
•UK / məˈtɪriəl /
- adjecitve
- Relevant; (of evidence) important or significant
- Belonging to the world of physical things
- noun
- Cloth; fabric
- Supplies or data needed to do a certain thing
- Substance from which a thing is made of
the
US / ðə /
•UK / ðə /
- article
- Used to refer to something already mentioned
- Used to show there is only one of something
- determiner
- Used to describe all of a family
wall
US / wɔ:l /
•UK / wɔl /
- noun
- High, flat side of a room or building
also
US / 'ɔ:lsəʊ /
•UK / ˈɔlso /
- adverb
- In addition; too; in a similar way
live
US / lɪv /
•UK / liv /
- 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
how
US / haʊ /
•UK / haʊ /
- adjecitve
- To what degree? in what amount?
- adverb
- (Used to explain the way to do something)
- exclamation
- For what purpose or reason?
- (Used to ask someone or something's condition)
kind
US / kaɪnd /
•UK / kaɪnd /
- adjecitve
- In a caring and helpful manner
- friendly and considerate
- noun
- One type of thing
payment
US / ˈpeɪmənt /
•UK / ˈpemənt /
- noun
- Amount of money that is paid for something
year
US / jə: /
•UK / jɪr /
- noun
- Unit of time equal to 12 months or 365 or 366 days
- Used to refer to the age of a person
you
US / jʊ /
•UK / ju /
- pronoun
- Person someone is speaking or writing to
- Person or people in general
into
US / 'ɪntə /
•UK / ˈɪntu /
- preposition
- Moving or going inside something
- In the same direction as; in the direction of
- So as to become; taking the state of
pull
US / pʊl /
•UK / pʊl /
- noun
- Act of breathing in smoke, as from a pipe
- Force something has that draws other things to it
- Using your hands to move something to you
- verb
- To breathe in smoke, as from a pipe
- To hold something and move it toward you
- To remove something by force
one
US / wʌn /
•UK / wʌn /
- pronoun
- You; we; people in general; someone
- The thing or person previously referred to
- adjecitve
- Used to refer to people generally
- Being a strong example of (something mentioned)
- number
- Number 1
open
US / 'əʊpən /
•UK / ˈopən /
- adjecitve
- Available for use; accessible
- Not being hidden; available for others to see
- Being available for customers to enter or use
- Allowing everyone to use or take part in
- Not secret anymore
- Not closed or shut
- Willing to accept new ideas and thoughts
- noun
- Name for a tennis or golf competition
- verb
- To make accessible or able to be used, e.g. road
- To start the activities or services of a business
- To make a space or hole appear in something
- To move or change so that it is no longer closed
- To start something, e.g. a new business
versus
US / ˈvə:səs /
•UK / ˈvɚsəs, -səz /
- preposition
- Used to show that two things are competing
bank
US / bæŋk /
•UK / bæŋk /
- 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
average
US / 'ævərɪdʒ /
•UK / ˈævərɪdʒ, ˈævrɪdʒ /
- adjecitve
- Typical or normal; usual; ordinary
- noun
- Total of numbers divided by the number of items
- verb
- To add numbers then divide by the number of items
below
US / bɪ'ləʊ /
•UK / bɪˈlo /
- preposition
- In a lower position, place, or level
make
US / meɪk /
•UK / mek /
- noun
- Product made by a particular company; brand
- verb
- To arrange or prepare something e.g. dinner
- To get to (a place) on time
- To gain the status of (teacher, lawyer, etc.)
- To create something by putting things together
- To earn a certain amount of money at a job
- To cause or force a person to do something
- To cause something to happen or be formed
retiree
US / rɪˌtaɪəˈri: /
•UK / rɪˌtaɪrˈi /
- noun
- Someone who has retired from active working
follow
US / ˈfɔləu /
•UK / ˈfɑlo /
- 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
less
US / les /
•UK / lɛs /
- adjecitve
- Smaller in amount or degree
- adverb
- To a smaller degree
- noun
- A smaller amount
- preposition
- With the subtraction of
term
US / tɜ:m /
•UK / tɚm /
- noun
- Conditions applying to an agreement, contract
- Length of time something is expected to happen
- Fixed period of weeks for learning at school
- The (precise) name given to something
- verb
- To call; give a name to
across
US / əˈkrɔs /
•UK / əˈkrɔs,əˈkrɑs /
- adverb
- Distance from one side to another
- (Go) from one side to the other of something
may
US / meɪ /
•UK / me /
- noun
- 5th month of the year
- other
- Used to express a desire
- Expresses permission, possibility or probability
- Used to show that a thing could be true
this
US / ðɪs /
•UK / ðɪs /
- adjecitve
- Used to indicate something already been discussed
- Used to indicate something happening around now
- adverb
- An indication by a physical motion or gesture
- A specific amount of
- determiner
- Person, thing, or idea near you
- pronoun
- Person, thing that has already been discussed
trend
US / trend /
•UK / trɛnd /
- 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
combination
US / ˌkɒmbɪ'neɪʃn /
•UK / ˌkɑmbəˈneʃən /
- noun
- Series of letters or numbers needed to open a lock
- Act or result of mixing things together
few
US / fju: /
•UK / fju /
- pronoun
- Not many, a small number
financial
US / faɪˈnænʃl /
•UK / faɪˈnænʃ(ə)l /
- adjecitve
- Involving money
fact
US / fækt /
•UK / fækt /
- noun
- Something that is known or proved to be true
much
US / mʌtʃ /
•UK / mʌtʃ /
- 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
statement
US / ˈsteɪtmənt /
•UK / ˈstetmənt /
- noun
- Record of activity in a bank account over time
- Act or process of saying something formally
consumer
US / kənˈsju:mə(r) /
•UK / kənˈsumɚ /
- noun
- Person who buys goods or services
card
US / kɑ:d /
•UK / kɑ:rd /
- 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
just
US / dʒʌst /
•UK / dʒʌst /
- adjecitve
- Proper or appropriate; as is deserved
- Doing or being what is right or fair
- Legally correct; having enough evidence
- adverb
- Almost; nearly
- Exactly at the time of
- Exactly (the same as, like)
insurance
US / ɪnˈʃʊərəns /
•UK / ɪnˈʃʊrəns /
- noun
- Protection against loss/injury/death you pay for
report
US / rɪ'pɔ:t /
•UK / rɪˈpɔrt, ˈport /
- noun
- Account of the necessary facts and information
- The telling of news in the media
- Official statement about something
- verb
- To submit a report or bill to the government
- To write in a newspaper or speak on a news program
- To state something officially
- To officially present yourself to an authority
- To describe something by telling it to others
range
US / reɪndʒ /
•UK / rendʒ /
- noun
- Cooking stove with multiple burners
- Given distance from a point; how far plane can fly
- Large grassy area where cattle wander and feed
- Group or chain of mountains
- Set of things with something in common
- Limits within which something extends or varies
- A set of products, e.g. so that people can choose
- verb
- To cover an area from one point to another
- To extend to or vary within given limits
- To put things in a row or in line
- To wander or explore
talk
US / tɔ:k /
•UK / tɔk /
- noun
- Style of speaking
- Discussion between two countries
- Giving information in front of people; lecture
- Saying things or ideas to someone with words
- verb
- To make a formal speech about something
- To say things or ideas to someone with words
granular
US / ˈgrænjələ(r) /
•UK / ˈɡrænjəlɚ /
- adjecitve
- Composed of or covered with grain
inquiry
US / ɪn'kwaɪərɪ /
•UK / ɪnˈkwaɪri, ˈɪnˌkwaɪri, ˈɪnkwəri, ˈɪŋ- /
- noun
- Process of seeking information
- Official examination to get information
those
US / ðəʊz /
•UK / ðoz /
- determiner
- The people or things we are talking about
- pronoun
- The objects far from the speaker
for
US / fə(r) /
•UK / fɔr,fə /
- preposition
- Used to show the purpose, or need of something
time
US / taɪm /
•UK / taɪm /
- 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
why
US / waɪ /
•UK / hwaɪ, waɪ /
- adverb
- Question word to ask for a reason
- exclamation
- (Used to express surprise or approval)
depend
US / dɪˈpend /
•UK / dɪˈpend /
- verb
- Be controlled or determined by (someone/something)
plunge
US / plʌndʒ /
•UK / plʌndʒ /
- verb
- (Of prices, hopes etc.) to decrease very quickly
- To dive (into water)
- To start doing something energetically
responsible
US / rɪ'spɒnsəbl /
•UK / rɪˈspɑnsəbəl /
- adjecitve
- Being the cause of something that has occurred
- Having the duty of dealing with something
- Able to be trusted to do what needs to be done
street
US / stri:t /
•UK / strit /
- noun
- Road in a city with buildings and places to walk
determine
US / dɪ'tɜ:mɪn /
•UK / dɪˈtɚmɪn /
- verb
- To control exactly how something will be or act
- To establish the facts about; discover
forgot
US / fə'ɡɒt /
•UK / fɚˈɡɑt, fɔr- /
personal
US / ˈpɜ:sənl /
•UK / ˈpɚsənəl /
- adjecitve
- Done by or to a particular person; individual
- Concerning a person's private life or feelings
score
US / skɔ:(r) /
•UK / skɔr, skor /
- noun
- A sharp mark or cut in the surface of something
- Current number of points given in a game, contest
- The written notes and parts of a piece of music
- An achievement of success
- Number of points on a test
- verb
- To mark or cut something with a sharp object
- To get or give points in a game, contest, or test
- To achieve success with something
- To get points in a test
mortgage
US / 'mɔ:ɡɪdʒ /
•UK / ˈmɔrɡɪdʒ /
- noun
- Long-term loan from a bank for buying property
since
US / sɪns /
•UK / sɪns /
- adverb
- At a point before the present time
- conjunction
- For this reason; because
- preposition
- From the time in the past that
well
US / wel /
•UK / wɛl /
- 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
start
US / stɑ:t /
•UK / stɑrt /
- 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
come
US / kʌm /
•UK / kʌm /
- 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
company
US / 'kʌmpənɪ /
•UK / ˈkʌmpəni /
- noun
- Good feeling from being with someone else
- A business that sells things or provides services
- Guests, especially in your home
- Being with another person rather than alone
any
US / 'enɪ /
•UK / ˈɛni /
- adjecitve
- One, or some, no matter which
- pronoun
- One (thing) of many; some
help
US / help /
•UK / hɛlp /
- noun
- Something given to enable a person to do something
- Assistance given to someone in need
- Someone who makes something easier or possible
- verb
- To act to enable a person to do something; assist
- To make something better or less difficult
think
US / θɪŋk /
•UK / θɪŋk /
- verb
- To have an idea about something without certainty
- To have an idea, opinion or belief about something
and
US / ənd /
•UK / ənd, ən,ænd /
- conjunction
- Used to refer to two or more things
- Plus; in addition; on top of that
- Used to introduce an action that follows another
base
US / beɪs /
•UK / bes /
- noun
- Place military personnel live, train, and operate
- Bottom part of an object that touches a surface
- Unit of counting, e.g. 10 for counting
- Most important idea or ingredient to add others
- Origin or start from which something came
- Main place where an organization or a person works
- verb
- To use as the starting point or origin for
- To have as the main location for (company, etc.)
back
US / bæk /
•UK / bæk /
- 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
calculation
US / ˌkælkjuˈleɪʃn /
•UK / ˌkælkjəˈleʃən /
- noun
- Process or result of using mathematics
- An educated guess about something
healthcare
US / 'helθkeə /
•UK / 'helθker /
- noun
- Nursing care to prevent illness or recover from it
increasingly
US / ɪnˈkri:sɪŋli /
•UK / ɪnˈkriːsɪŋli /
- adverb
- More and more; in greater degree or amount
journal
US / ˈdʒə:nl /
•UK / ˈdʒɚnəl /
- noun
- A diary; record of what you do every day
- Magazine of academic papers
lot
US / lɒt /
•UK / lɑt /
- 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
money
US / 'mʌnɪ /
•UK / ˈmʌni /
- noun
- Coins or notes we use to pay for things
until
US / ənˈtɪl /
•UK / ʌnˈtɪl /
- conjunction
- Up to; to a time when something happens
- preposition
- Before (a specific time)
industry
US / 'ɪndəstrɪ /
•UK / ˈɪndəstri /
- noun
- Hard work; being busy working
- Factories or businesses that make certain products
most
US / məʊst /
•UK / most /
- adverb
- Very; extremely
- Greatest possible degree
- pronoun
- Nearly all of something
finance
US / ˈfaɪnæns /
•UK / fəˈnæns, faɪ-, ˈfaɪˌnæns /
- adjecitve
- Concerned with money
- noun
- Control of money a person, business has access to
- verb
- To support someone or something financially
kentucky
US / kenˈtʌki /
•UK / kənˈtʌki /
- noun
- A state in east central United States; a border state during the American Civil War; famous for bree
join
US / dʒɔɪn /
•UK / dʒɔɪn /
- verb
- To bring something close to another, to become one
- To become a member of
- To participate in an activity with others
anything
US / ˈeniθɪŋ /
•UK / ˈɛniˌθɪŋ /
- pronoun
- A thing of any kind
europe
US / ˈjʊərəp /
•UK / ˈjʊrəp /
- noun
- A continent including Germany, France and Spain
- other
- The second smallest continent (actually a vast peninsula of Eurasia); the British use 'Europe' to re
from
US / frəm /
•UK / frʌm, frɑm,frəm /
- preposition
- Starting at a particular place, time or level
out
US / aʊt /
•UK / aʊt /
- 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
call
US / kɔ:l /
•UK / kɔl /
- noun
- A order or request for action
- The sound an animal makes, often when in danger
- A correct prediction, e.g. a decision in a game
- A short visit to a place or person
- A decision by a referee or umpire in a game
- verb
- To make a request or order for action
- (Animal) to make sounds to warn of danger
- To announce the date of an election
- To make a judgment about something
- To give someone or something a name
- To guess in advance the result or outcome
- To visit a place or person for a short time
- To phone someone
- To speak, announce or shout in a loud voice
owe
US / əʊ /
•UK / o /
- verb
- To need to do something in return for a favor etc.
- To credit someone or thing for making it possible
- To have a commitment to pay someone for something
reporter
US / rɪˈpɔ:tə(r) /
•UK / rɪˈpɔrtɚ, -ˈpor- /
- noun
- Someone whose job is to report news
couple
US / 'kʌpl /
•UK / ˈkʌpəl /
- noun
- Two people in a romantic relationship
- Two of something; two people; a pair
- verb
- To join something to something else
- (Two animals) to engage in sexual relations
- To put two people or things together
keep
US / ki:p /
•UK / kip /
- noun
- Large, strong tower in the middle of a castle
- Money spent on you so you can live in a place
- verb
- To continue doing something; not to stop
- To stop balls going in a goal in sports
- To not give back or return something
- (Of food) to not spoil or not rot
- To take possession of something to own, e.g. a pet
- To have and continue to hold something
- To do something that you have promised or agreed
- To stay in a certain place or condition
- To maintain the rules
maintain
US / meɪn'teɪn /
•UK / menˈten /
- verb
- To keep saying something a certain way
- To keep (machine) working by checking, repairing
- To keep, exist or continue without changing
typically
US / ˈtɪpɪkli /
•UK / ˈtɪpɪklɪ /
- adverb
- In a normal or usual way
another
US / əˈnʌðə(r) /
•UK / əˈnʌðɚ /
- adjecitve
- One more, but not this
- determiner
- One more added
- pronoun
- One more (thing)
hurt
US / hɜ:t /
•UK / hɚt /
- noun
- Mental, emotional, or physical pain
- verb
- To cause pain, damage or injury
action
US / 'ækʃn /
•UK / ˈækʃən /
- noun
- Something that a person or thing does
- verb
- To act to do something
analysis
US / əˈnæləsɪs /
•UK / əˈnælɪsɪs /
- noun
- Careful study to better understand something
get
US / ɡet /
•UK / ɡɛt /
- verb
- To become affected by illness or disease
- To begin to feel or understand an emotion or idea
- To send or bring someone or something home, etc.
- To go somewhere to obtain something
- To (cause to) do a particular thing
- To obtain, receive or be given something
- To currently have
- To prepare for use
- To understand something being said or read
first
US / fɜ:st /
•UK / fɚst /
- adjecitve
- 1st; Coming before all others in time or place
- noun
- Something that has not happened before
- Position of the winner of a competition
place
US / pleɪs /
•UK / ples /
- noun
- Particular location, area or region
- verb
- To put someone in a particular type of situation
- To put something in a certain location or position
she
US / ʃɪ /
•UK / ʃi /
- pronoun
- Female person or animal mentioned before
- (Refers to female person mentioned before)
right
US / raɪt /
•UK / raɪt /
- 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
example
US / ɪgˈzɑ:mpl /
•UK / ɪɡˈzæmpəl /
- noun
- Thing, person which represents a category
happen
US / 'hæpən /
•UK / ˈhæpən /
- verb
- To take place or occur
track
US / træk /
•UK / træk /
- noun
- A circular course for running
- Course or way someone takes, e.g. in education
- Path in a field or a forest made by walkers
- Often circular course laid out for car racing
- One of multiple musical recordings on an album
- Band surrounding the wheels of a tank
- Metal lines that trains ride on
- verb
- To use marks to follow a wild animal
- To move a certain way/follow a particular course
- To record and examine the progress of something
about
US / ə'baʊt /
•UK / əˈbaʊt /
- adverb
- To be ready to; going to
- Nearly; approximately; roughly
- Near; next to; close to
- In every direction; in the area of
- preposition
- Concerning or of (a topic)
different
US / ˈdɪfrənt /
•UK / ˈdɪfrənt /
- adjecitve
- Not of the same kind; unlike other things
impact
US / 'ɪmpækt /
•UK / ˈɪmˌpækt /
- noun
- A striking effect or result to hit with force
- Very strong influence
- Act or force of one thing hitting something else
- verb
- To hit or strike someone or something with force
misconception
US / ˌmɪskənˈsepʃn /
•UK / ˌmɪskənˈsɛpʃən /
- noun
- Wrong or misunderstood idea
people
US / 'pi:pl /
•UK / ˈpipəl /
- noun
- Persons sharing culture, country, background, etc.
- Men, Women, Children
shut
US / ʃʌt /
•UK / ʃʌt /
- verb
- To stop being open for business
- To close something, e.g. a door
like
US / laɪk /
•UK / laɪk /
- adjecitve
- Being equal in status or kind to something else
- Similar; the same
- adverb
- For example
- preposition
- Used as a filler; used to ad emphasis
- In a way similar to the way something is done
- Such as; for example
- verb
- To want to
- To find something pleasing; to prefer something
that
US / ðæt /
•UK / ðæt, ðət /
- adjecitve
- The person or thing being talked about
- Used to identify something both the speakers know
- adverb
- Used to reinforce adjectives and adverbs
- To such a degree
- conjunction
- Used to connect a noun clause
- Used to introduce an adverbial clause
- Used to introduce a noun clause
- determiner
- Used as a noun to refer to something
- pronoun
- Referring an object far away
- Used to refer to the relative pronoun ‘which’
what
US / wɒt /
•UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /
- pronoun
- Thing or things that; the same kind as
- Used to emphasize something you are about to say
- adjecitve
- Used to refer to a particular amount, or number
- Used to place emphasis on a particular quality
- adverb
- To a certain degree
- determiner
- Question words used for asking for information
- exclamation
- Used to express excitement, shock, or surprise
- Used to ask people to repeat something they said
hit
US / hɪt /
•UK / hɪt /
- noun
- A planned killing, usually for money
- Song, movie etc. that is successful
- When someone strikes someone or something
- Time when a player makes contact with the ball
- Time when a website is accessed
- verb
- To have a negative impact on a person/place/thing
- To press something, such as a button or switch
- To suddenly realize the importance of something
- To move your hand, a bat, etc. against with force
- To fight, attack or damage something or someone
- To arrive at a specific place, level, or goal
- To make contact with the ball in a game or sport
bill
US / bɪl /
•UK / bɪl /
- noun
- Plan for a new law being discussed by a government
- Sign or poster advertising something
- Paper money; a bank note
- Piece of paper showing what you have to pay
- Hard, often pointed part of a bird's mouth
- Person's name
- verb
- To request payment by handing over an invoice
number
US / ˈnʌmbə(r) /
•UK / ˈnʌmbɚ /
- 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
shortening
US / ˈʃɔ:tnɪŋ /
•UK / ˈʃɔrtnɪŋ, ˈʃɔrtnɪŋ /
- verb
- To make something, e.g. a skirt, shorter
borrower
US / ˈbɒrəʊə(r) /
•UK / ˈbɑːroʊər /
- noun
- Person or company that borrows things
anyone
US / ˈeniwʌn /
•UK / ˈɛniˌwʌn, -wən /
- pronoun
- Any person
mean
US / mi:n /
•UK / min /
- 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
mix
US / mɪks /
•UK / mɪks /
- noun
- A combination of more than two things
- verb
- To combine two or more things to make one
- To meet and get along with others, e.g. at a party
whiplash
US / ˈwɪplæʃ /
•UK / ˈhwɪpˌlæʃ, ˈwɪp- /
- noun
- Neck/back injury from sudden jerk, as in car crash
anymore
US / 'enɪmɔ: /
•UK / ˌɛniˈmɔr, -ˈmor /
- adverb
- No longer; no more
auto
US / ˈɔ:təʊ /
•UK / ˈɔ:toʊ /
- noun
- Car; a road vehicle with four or more wheels
down
US / daʊn /
•UK / daʊn /
- 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
US / ˈdjʊərɪŋ /
•UK / ˈdʊrɪŋ, ˈdjʊr- /
- preposition
- At some point in the course of an event or thing
then
US / ðen /
•UK / ðɛn /
- adverb
- A time that is not now
- Following another thing in time or arrangement
- Following on reasonably from what was just stated
- At that time, not now
subprime
US / ˌsʌb'praɪm /
•UK / ˌsʌb'praɪm /
- adjecitve
- Relating to loans with high interest
step
US / step /
•UK / stɛp /
- noun
- Movement done as part of a particular dance
- Distance covered by one movement of a leg; stride
- One part or stage in a process
- Sound made by the feet while walking; footstep
- Flat horizontal piece that forms stairs
- verb
- To raise and moving the foot to put it down
suppose
US / sə'pəʊz /
•UK / səˈpoʊz /
- conjunction
- What if
- verb
- To imagine or guess what might happen
decade
US / ˈdekeɪd /
•UK / ˈdɛkˌed, dɛˈked /
- noun
- Period of 10 years
break
US / breɪk /
•UK / brek /
- 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
fashion
US / 'fæʃn /
•UK / ˈfæʃən /
- noun
- Style of dress or activity popular at some time
- Industry that creates new styles of clothes
- Way of behaving; manner
- Trend that is popular at a given time
- Way of doing something; manner
- verb
- To make things into a particular shape
history
US / 'hɪstrɪ /
•UK / ˈhɪstəri /
- noun
- Established pattern or record
- Study of past events as an academic subject
his
US / hɪz /
•UK / hɪz /
- pronoun
- Something belonging to a male person
retire
US / rɪ'taɪə(r) /
•UK / rɪˈtaɪr /
- verb
- To stop using, producing, or servicing something
- To stop taking part in a competition or game
- To quit having jobs because you are old
- To move to a different area or room (formal)
- To go to bed (formal)
with
US / wɪð /
•UK / wɪð, wɪθ /
- preposition
- As an employee of a certain company
- Against something or someone
- By using something as a means
- Due to; because of
- Including
- Possessing as a feature
- Related to
- (Of the manner/attitude by which you do something)
- Used to express that people or things are together
could
US / kəd /
•UK / kʊd /
- other
- Past form of 'can' to mean have ability
- Used to ask for something politely, or to offer
often
US / ˈɔfən /
•UK / ˈɔfən,ˈɑfən,ˈɔftən,ˈɑf- /
- adverb
- Many times; frequently; on many occasions
end
US / end /
•UK / ɛnd /
- noun
- The point where a process or activity stops
- A point that marks the limit of something; finish
- Goal or desired result
- The tip, edge or limit of something
- verb
- To be the last part of something
interest
US / 'ɪntrəst /
•UK / ˈɪntrɪst, -tərɪst, -ˌtrɛst /
- noun
- Best or most advantageous thing for someone
- Activity or subject one enjoys doing or learning
- Fee for borrowing money
- verb
- To make someone want to know about something
- To persuade to do, become involved with something
lender
US / ˈlendə(r) /
•UK / ˈlendər /
- noun
- Person or business that lends money
remember
US / rɪ'membə(r) /
•UK / rɪˈmɛmbɚ /
- verb
- To give someone a gift, e.g. birthday, wedding
- To hold a thought in your mind to not forget it
- To bring a previous image or idea to your mind
freedom
US / 'fri:dəm /
•UK / ˈfridəm /
- noun
- State of being free, not being controlled
accord
US / ə'kɔ:d /
•UK / əˈkɔ:rd /
- noun
- Agreement or harmony
- An agreement or treaty between countries
- verb
- To be in harmony or agreement; consent
- To give (someone) the respect due to them
car
US / kɑ:(r) /
•UK / kɑr /
- noun
- A vehicle with wheels and engine to carry people
low
US / ləʊ /
•UK / lo /
- adjecitve
- Having a small quantity, supply, or amount
- Being unhappy or unpleasant in attitude
- Not high; being near the ground, or bottom
- (Of a voice, sound) being soft; quiet
- noun
- Situation of not having a lot of something
premium
US / ˈpri:miəm /
•UK / ˈprimiəm /
- adjecitve
- Having a higher than normal quality
- noun
- Money paid as a fee for insurance
see
US / si: /
•UK / si /
- verb
- To go on a date with someone
- To predict whether something is, or will be true
- To understand what someone says
- To use your eyes to look at something
- To visit a place often for sightseeing or pleasure
- To visit or meet with someone
- To find out by waiting or looking
- To watch (a game, movie or TV show)
away
US / ə'weɪ /
•UK / əˈwe /
- 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
month
US / mʌnθ /
•UK / mʌnθ /
- noun
- One of 12 28-31 day periods in the year
have
US / həv /
•UK / hæv /
- verb
- To drink, smoke, eat or use something
- To experience the effects of something
- To organize an event, or join in an activity
- To own, possess, or hold something
- To cause to happen or produce a particular effect
all
US / ɔ:l /
•UK / ɔl /
- adverb
- Completely; totally
- determiner
- Being every one of something
- pronoun
- 100% of something; the complete amount
drop
US / drɒp /
•UK / drɑp /
- noun
- Distance between a higher and a lower level
- Act of letting something fall (from your hand)
- A decrease in quantity or quality; reduction
- Tiny amount of liquid, with rounded bottom
- verb
- To drive someone to a place and then drive away
- To let something fall from your hand
- To fall or lie down quickly, as when shot
- To decide to stop something e.g. a course)
- To (cause to) reduce in quantity or quality
remove
US / rɪˈmu:v /
•UK / rɪˈmuv /
- verb
- To get rid of something completely
- To make someone leave his or her job or position
- To move, erase or take away from a place
- To take something off (e.g. clothing)
vacation
US / vəˈkeɪʃn /
•UK / veˈkeʃən, və- /
- noun
- Time off work used for relaxation or travel
- verb
- To take or spend time on holiday
who
US / hu: /
•UK / hu /
- pronoun
- Which person
- Used to introduce information about people
ago
US / əˈgəʊ /
•UK / əˈgoʊ /
- adverb
- At a specified length of time in the past
else
US / els /
•UK / ɛls /
- adverb
- Otherwise; if you fail to
- (Of person place thing etc.) besides; in addition
huge
US / hju:dʒ /
•UK / hjudʒ /
- adjecitve
- Very very large
their
US / ðɛː /
•UK / ðer /
- determiner
- Belonging to them
yes
US / jes /
•UK / jɛs /
- adverb
- Way to say you agree or will do something
change
US / tʃeɪndʒ /
•UK / tʃendʒ /
- noun
- Exchange of one set of clothes for another
- Money in the form of coins instead of paper
- Money returned after giving too much
- Act of making or becoming something else
- verb
- To exchange one set of clothes for another
- To exchange one kind of money for another
- To replace something with another thing
- To make or become something else
- To go from one train, bus, etc. and go to another
close
US / kləʊz /
•UK / kloʊz /
- adjecitve
- Almost; near
- (Of a friend) well-known; liked by others
- Being near or related
- Similar; nearly the same
- verb
- To come progressively nearer to something
- To end; to bring to an end
- To make something shut; stop from being open
assist
US / əˈsɪst /
•UK / əˈsɪst /
- verb
- To help
take
US / teɪk /
•UK / tek /
- noun
- Filming of a single scene for TV or the movies
- verb
- To accept something that is offered
- To use a method of traveling, e.g. a bus or train
- To use a camera to make (a photo)
- To pick up something and go away with it
- To study a subject in school
- To attempt to pass (an exam)
- To require a certain amount of time, money, space
slight
US / slaɪt /
•UK / slaɪt /
- adjecitve
- Small (amount, quality)
- Appearing thin, delicate and physically weak
- noun
- Rude and disrepectful treatment
- verb
- To ignore or treat rudely and with no respect
celebrate
US / 'selɪbreɪt /
•UK / ˈsɛləˌbret /
- verb
- To observe an event or occasion, e.g. a birthday
- To lead or participate in a religious ceremony
- To express praise or thanks for something
repay
US / rɪˈpeɪ /
•UK / rɪˈpe /
- verb
- To do in return for something done for you
- To make payments on money that you borrowed
risk
US / rɪsk /
•UK / rɪsk /
- noun
- Actions that cause potential problems
- verb
- To do something potentially dangerous or foolish
they
US / ðeɪ /
•UK / ðe /
- pronoun
- Two or more people, animals, or things
account
US / ə'kaʊnt /
•UK / əˈkaʊnt /
- noun
- An advantage
- Arrangement with a bank to keep your money for you
- An invoice for things bought
- Arrangement whereby you can use online services
- A description, often written, of events; report
length
US / leŋθ /
•UK / leŋθ /
- noun
- Distance from one end of a pool to the other
- Measurement of distance or of time
country
US / ˈkʌntri /
•UK / ˈkʌntri /
- noun
- An area of land that is controlled by a government
- Open land that is away from towns and cities
look
US / lʊk /
•UK / lʊk /
- noun
- Person's beauty or physical attractiveness
- Particular style of dress, clothes, or appearance
- The way someone, something appears to be
- Act of searching for or examining something
- verb
- To appear to be; seem
pay
US / peɪ /
•UK / pe /
- 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
sear
US / sɪə(r) /
•UK / sɪr /
- other
- To make a strong, unpleasant impression on
- verb
- To use high heat to quickly burn the surface of
- To make a strong, unpleasant impression on
option
US / 'ɒpʃn /
•UK / ˈɑpʃən /
- noun
- A choice
- Right to buy or sell at a certain price and time
old
US / əʊld /
•UK / old /
- adjecitve
- Having existed for a long time, not young or new
- Age of a person since birth
work
US / wɜ:k /
•UK / wɚk /
- 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
feel
US / fi:l /
•UK / fil /
- verb
- To be aware of or experience an emotion, sensation
- To sense through direct contact; touch
himself
US / hɪmˈself /
•UK / hɪmˈsɛlf /
- pronoun
- The same (male) person who did the action
ever
US / 'evə(r) /
•UK / ˈɛvɚ /
- adverb
- At any time; at all times in the future
monday
US / ˈmʌndeɪ /
•UK / ˈmʌndeɪ /
- noun
- Second day of the week; the day after Sunday
consider
US / kən'sɪdə(r) /
•UK / kənˈsɪdər /
- verb
- To think carefully about something
debt
US / det /
•UK / dɛt /
- noun
- Sum of money owed to someone that is not yet paid
someone
US / ˈsʌmwʌn /
•UK / ˈsʌmˌwʌn, -wən /
- pronoun
- Person who is not known or named
matter
US / 'mætə(r) /
•UK / ˈmætɚ /
- noun
- Material all things are made of that fills space
- Problem or reason for concern
- verb
- To be of great importance; to count
probably
US / ˈprɒbəbli /
•UK / ˈprɑbəbli /
- adverb
- That is likely to happen or be true
once
US / wʌns /
•UK / wʌns /
- adverb
- One time; one instance
- At a time in the past
- conjunction
- When; as soon as
while
US / waɪl /
•UK / hwaɪl, waɪl /
- conjunction
- In spite of the fact that; although
- During the time that; at the same time
- noun
- Short amount of time
peak
US / pi:k /
•UK / pik /
- noun
- Part of a cap that sticks out over your eyes
- The very top of a mountain
- State when something is at its best
- Time or point when the highest level occurs
- verb
- To reach the highest or best point
revolve
US / rɪˈvɒlv /
•UK / rɪˈvɑ:lv /
- verb
- To move something in a circular motion
after
US / 'ɑ:ftə(r) /
•UK / ˈæftɚ /
- adverb
- Later than another time, or behind something
- conjunction
- Following something before
- preposition
- When an event happened or time has passed
many
US / 'menɪ /
•UK / ˈmɛni /
- determiner
- Used to refer a large number of things
will
US / wɪl /
•UK / wɪl /
- noun
- Desire or choice of someone
- Document saying who gets your money when you die
- Strong desire to do something; determination
- Desire to do something; strong wish to do
- other
- Used with verbs to express the future
- verb
- To leave property to someone after your death
- To use mental effort to make something happen
- Am (is, are) likely to do
- To influence someone to do something
- To make something happen by strongly wanting it
actually
US / ˈæktʃuəli /
•UK / ˈæktʃuəli /
- adverb
- Used to add new (often different) information
speak
US / spi:k /
•UK / spik /
- verb
- To be able to use a certain language
- To use words to tell information, express thoughts
realize
US / 'ri:əlaɪz /
•UK / ˈriəˌlaɪz /
- verb
- To become aware of or understand mentally
use
US / ju:s /
•UK / ju:s /
- noun
- Ability to employ something
- Need to enable it to work
- Permission to do something with something
- Act of spending money
- Operation of a machine for its function
- verb
- To have; to eat, drink, consume etc.
- To need to operate or work
- To operate a machine, e.g. a computer
- To treat a person badly
- To do something with, for a task or purpose
here
US / hɪə(r) /
•UK / hɪr /
- adverb
- In this place; at this location, position or time
new
US / nju: /
•UK / nu, nju /
- adjecitve
- Not old, recently born, built or made
- Being or doing something for the first time
- Not felt, seen or known previously
- Having been recently bought or obtained
try
US / traɪ /
•UK / traɪ /
- 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
advantage
US / əd'vɑ:ntɪdʒ /
•UK / ædˈvæntɪdʒ /
- noun
- Thing making the chance of success higher
- A positive point about something
can
US / kæn /
•UK / kən,kæn /
- noun
- A metal container for storing food
- other
- Able to; have the skill to; have the time to
- verb
- To have permission to
- To be possible to do
- To preserve food by sealing it in a metal container
credit
US / 'kredɪt /
•UK / ˈkrɛdɪt /
- 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
sense
US / sens /
•UK / sɛns /
- 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
deal
US / di:l /
•UK / dil /
- verb
- To cope with something - usually troubles
- To give (something bad e.g. news) to
- To buy and sell illegal drugs
- To give out (cards, etc.) to; distribute
- To do business with someone or to sell products
measure
US / ˈmeʒə(r) /
•UK / ˈmɛʒɚ /
- noun
- Plan to achieve a desired result
- Tool used to calculate the size of something
- verb
- To determine the value or importance of something
- To calculate size, weight or temperature of
legacy
US / 'leɡəsɪ /
•UK / ˈlɛɡəsi /
- noun
- Literature, arts etc. from previous generations
- Something left or given by a person who has died
decision
US / dɪ'sɪʒn /
•UK / dɪˈsɪʒən /
- noun
- Choice made after thinking; final judgment
- Ability to make quick and confident choices
pride
US / praɪd /
•UK / praɪd /
- noun
- Sense of your own importance and worth
- verb
- To be proud of something you did
but
US / bət /
•UK / bʌt,bət /
- conjunction
- Used before you say something different, opposite
apply
US / ə'plaɪ /
•UK / əˈplaɪ /
- verb
- To spread a substance or liquid over a surface
- To commit your time and effort to doing something
- To make something useful in a certain situation
- To be relevant for a situation
- To ask formally for (job, permission etc.)
especially
US / ɪˈspeʃəli /
•UK / ɛˈspɛʃəli, ɪˈspɛʃ- /
- adverb
- More than usual; extremely
good
US / ɡʊd /
•UK / ɡʊd /
- adjecitve
- Proper, appropriate or right
- (Of an amount) enough; plenty
- Excellent; high quality
- Acting well or properly; of moral character
- In a positive or happy emotional state
- noun
- Advantage or benefit
life
US / laɪf /
•UK / laɪf /
- noun
- All the living things e.g. animals, plants, humans
- Period of time things live, from birth to death
helpful
US / ˈhelpfl /
•UK / ˈhɛlpfəl /
- adjecitve
- Doing things that help someone
july
US / dʒuˈlaɪ /
•UK / dʒʊˈlaɪ /
- noun
- 7th month of the year
worthiness
US / 'wɜ:ðɪnəs /
•UK / 'wɜ:ðɪnəs /
- noun
- Quality or state of having merit or value
want
US / wɔnt /
•UK / wɑnt, wɔnt /
- noun
- Something you desire or wish for
- State or condition of poverty
- verb
- To desire or wish for something; hope for a thing
consolidate
US / kənˈsɒlɪdeɪt /
•UK / kənˈsɑ:lɪdeɪt /
- verb
- To combine into one; make bigger or stronger
financing
US / ˈfaɪnænsɪŋ /
•UK / ˈfaɪnænsɪŋ /
- noun
- Act of giving or lending money to
- verb
- To support someone or something financially
luck
US / lʌk /
•UK / lʌk /
- noun
- Accidental way things happen, often good things
really
US / ˈri:əli /
•UK / ˈriəˌli, ˈrili /
- adverb
- Used to stress something that is said; definitely
- In a true or accurate manner
- Very
understand
US / ˌʌndə'stænd /
•UK / ˌʌndɚˈstænd /
- verb
- To know the meaning of language, what someone says
would
US / wʊd /
•UK / wʊd /
- other
- Used to indicate something imagined
- Used to ask or request something politely
- Verb used to indicate possibility, request etc.
- Used to indicate a preference
- Used to indicate a reaction
- Indicates something that occurred repeatedly
- Used to indicate willingness or ability to do
loan
US / ləʊn /
•UK / lon /
- noun
- Act of allowing someone to borrow something
- verb
- To give money, etc. that must be paid back
maybe
US / ˈmeɪbi /
•UK / ˈmebi /
- adverb
- Possibly but not certainly; perhaps
not
US / nɒt /
•UK / nɑt /
- adverb
- Word indicating the negative
- (Used to form the negative of verbs)