Subtitles section
Repeat sentence
Subtitles mode
Full screen
Previous
Next
x 1.0
Playback speed
More

"Very scary time": Many Canadian homeowners concerned about next mortgage renewal

Video vocabulary

the

Copy vocabulary

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

be

Copy vocabulary

US / bɪ /

UK / bi /

A1
  • verb
  • Being

and

Copy vocabulary

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

that

Copy vocabulary

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’

have

Copy vocabulary

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

not

Copy vocabulary

US / nɒt /

UK / nɑt /

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

for

Copy vocabulary

US / fə(r) /

UK / fɔr,fə /

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

you

Copy vocabulary

US / jʊ /

UK / ju /

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

this

Copy vocabulary

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

with

Copy vocabulary

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

about

Copy vocabulary

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)

but

Copy vocabulary

US / bət /

UK / bʌt,bət /

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

can

Copy vocabulary

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

they

Copy vocabulary

US / ðeɪ /

UK / ðe /

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

just

Copy vocabulary

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)

what

Copy vocabulary

US / wɒt /

UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /

A1
  • 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
  • pronoun
  • Thing or things that; the same kind as
  • Used to emphasize something you are about to say

like

Copy vocabulary

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

go

Copy vocabulary

US / ɡəʊ /

UK / ɡo /

A1
  • noun
  • A turn in a game
  • verb
  • To attend or be at a place
  • To do an activity
  • To function properly
  • To move or travel to another place

out

Copy vocabulary

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

from

Copy vocabulary

US / frəm /

UK / frʌm, frɑm,frəm /

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

see

Copy vocabulary

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)

know

Copy vocabulary

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

think

Copy vocabulary

US / θɪŋk /

UK / θɪŋk /

A1
  • verb
  • To have an idea about something without certainty
  • To have an idea, opinion or belief about something

your

Copy vocabulary

US / jɔ: /

UK / jʊr, jɔr, jor,jə /

A1
  • determiner
  • Belonging to you; belonging to the other person

time

Copy vocabulary

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

want

Copy vocabulary

US / wɔnt /

UK / wɑnt, wɔnt /

A1
  • noun
  • Something you desire or wish for
  • State or condition of poverty
  • verb
  • To desire or wish for something; hope for a thing

more

Copy vocabulary

US / mɔ:(r) /

UK / mɔr, mor /

A1
  • adjecitve
  • In addition; extra
  • Greater in amount, number, or size
  • adverb
  • To a greater degree; in greater quantity
  • For a longer period of time
  • determiner
  • Additional quantity
  • pronoun
  • A greater or additional number

when

Copy vocabulary

US / wen /

UK / wɛn /

A1
  • adjecitve
  • Concerning or during the time something happens
  • adverb
  • Word you use to ask about the time, or day
  • conjunction
  • Although
  • In the event that; if
  • pronoun
  • Which time

would

Copy vocabulary

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

now

Copy vocabulary

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

some

Copy vocabulary

US / səm /

UK / sʌm /

A1
  • adjecitve
  • Remarkable; very good (or very bad) in a way
  • Concerning a certain unclear degree, quantity
  • determiner
  • Used to refer to an unspecified amount or number
  • pronoun
  • Number of persons, things in a group, but not all

because

Copy vocabulary

US / bɪ'kɒz /

UK / bɪˈkɔz, -ˈkʌz /

A1
  • conjunction
  • For a reason

take

Copy vocabulary

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

here

Copy vocabulary

US / hɪə(r) /

UK / hɪr /

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

good

Copy vocabulary

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

say

Copy vocabulary

US / seɪ /

UK / se /

A1
  • noun
  • Power to decide or greatly influence something
  • verb
  • To indicate or give information using language
  • To use words to tell your message
  • To ask someone to give information to others

right

Copy vocabulary

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

really

Copy vocabulary

US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

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

into

Copy vocabulary

US / 'ɪntə /

UK / ˈɪntu /

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

other

Copy vocabulary

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

even

Copy vocabulary

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

people

Copy vocabulary

US / 'pi:pl /

UK / ˈpipəl /

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

who

Copy vocabulary

US / hu: /

UK / hu /

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

down

Copy vocabulary

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

which

Copy vocabulary

US / wɪtʃ /

UK / hwɪtʃ,wɪtʃ /

A1
  • determiner
  • Question word to ask about a person's choice
  • pronoun
  • (Used to describe something previously mentioned)
  • Question word to decide either, or

also

Copy vocabulary

US / 'ɔ:lsəʊ /

UK / ˈɔlso /

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

their

Copy vocabulary

US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

than

Copy vocabulary

US / ðən /

UK / ðən /

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

those

Copy vocabulary

US / ðəʊz /

UK / ðoz /

A1
  • determiner
  • The people or things we are talking about
  • pronoun
  • The objects far from the speaker

tell

Copy vocabulary

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

find

Copy vocabulary

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

new

Copy vocabulary

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

most

Copy vocabulary

US / məʊst /

UK / most /

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

feel

Copy vocabulary

US / fi:l /

UK / fil /

A1
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

year

Copy vocabulary

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

show

Copy vocabulary

US / ʃəʊ /

UK / ʃo /

A1
  • noun
  • False display of love, emotion or action
  • An event for displaying or promoting goods
  • Play, opera or theater production
  • Presentation that is broadcast on TV or radio
  • verb
  • To be easily seen or displayed
  • To display your emotions or feelings
  • To let someone see something; display
  • To explain or teach how something is done
  • To lead someone somewhere; point them to something
  • To prove something to be true, correct
  • To reveal or allow something to be seen

last

Copy vocabulary

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

long

Copy vocabulary

US / lɒŋ /

UK / lɔŋ, lɑŋ /

A1
  • adjecitve
  • Large distance from one end to the other
  • Having many parts, e.g. a book with many chapters
  • adverb
  • For a large amount of time
  • noun
  • Person's name
  • verb
  • To have a strong desire for something or someone

pretty

Copy vocabulary

US / 'prɪtɪ /

UK / ˈprɪti /

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

three

Copy vocabulary

US / θri: /

UK / θri /

A1
  • number
  • Number 3

help

Copy vocabulary

US / help /

UK / hɛlp /

A1
  • 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

bad

Copy vocabulary

US / bæd /

UK / bæd /

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

own

Copy vocabulary

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

number

Copy vocabulary

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

enough

Copy vocabulary

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

stuff

Copy vocabulary

US / stʌf /

UK / stʌf /

A1
  • noun
  • Generic description for things, materials, objects
  • verb
  • To push material inside something, with force

high

Copy vocabulary

US / haɪ /

UK / haɪ /

A1
  • adjecitve
  • Excited or relaxed from taking drugs
  • Being of excellent quality or excellent standards
  • Larger than usual in number, amount or degree
  • Holding an important or powerful position
  • With a sound close to the top of the musical scale
  • Rising upward a great distance
  • adverb
  • At or to a place far above the ground
  • At a great value, amount or price
  • In a way that shows a lot of wealth
  • noun
  • (Weather) area of increased pressure

its

Copy vocabulary

US / ɪts /

UK / ɪts /

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

may

Copy vocabulary

US / meɪ /

UK / me /

A1
  • noun
  • 5th month of the year
  • other
  • Used to express a desire
  • Expresses permission, possibility or probability
  • Used to show that a thing could be true

home

Copy vocabulary

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

idea

Copy vocabulary

US / aɪ'dɪə /

UK / aɪˈdiə /

A1
  • noun
  • Belief, thought, suggestion, opinion or plan

lose

Copy vocabulary

US / lu:z /

UK / luz /

A1
  • verb
  • To be unable to keep in check or control something
  • To decrease in value or quantity (e.g. weight)
  • To stop having certain qualities or abilities
  • To stop having or being entitled to
  • To fail to win something that is being contested
  • To be unable to find something you once had
  • To be dependent on someone (used with 'not')

cool

Copy vocabulary

US / ku:l /

UK / kul /

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

face

Copy vocabulary

US / feɪs /

UK / fes /

A1
  • noun
  • Side or outer surface of something
  • An expression using mouth, nose, eyes etc.
  • Front part of the head where eyes, mouth etc. are
  • Characteristics you show in public
  • verb
  • To cover a surface with something like paint
  • To deal with a problem or responsibilities
  • To look toward; point in a certain direction

buy

Copy vocabulary

US / baɪ /

UK / baɪ /

A1
  • noun
  • Something you pay for
  • verb
  • To believe something; accept
  • To get something by paying money for it

begin

Copy vocabulary

US / bɪ'ɡɪn /

UK / ˈbeɡɪn /

A1
  • verb
  • To do the first part of an action; to start

half

Copy vocabulary

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;

money

Copy vocabulary

US / 'mʌnɪ /

UK / ˈmʌni /

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

less

Copy vocabulary

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

pay

Copy vocabulary

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

pull

Copy vocabulary

US / pʊl /

UK / pʊl /

A1
  • 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

save

Copy vocabulary

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.

obviously

Copy vocabulary

US / ˈɒbviəsli /

UK / ˈɑːbviəsli /

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

straight

Copy vocabulary

US / streɪt /

UK / stret /

A2
  • adjecitve
  • Not having curves, bends, or angles
  • Not gay; heterosexual
  • honest and direct
  • adverb
  • in a line; immediately; honestly and directly

news

Copy vocabulary

US / nju:z /

UK / nu:z /

A1
  • noun
  • Broadcast on radio or TV about recent events
  • Information about recent events

situation

Copy vocabulary

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

sell

Copy vocabulary

US / sel /

UK / sɛl /

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

process

Copy vocabulary

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

eight

Copy vocabulary

US / eɪt /

UK / et /

A1
  • number
  • 8

ground

Copy vocabulary

US / graʊnd /

UK / ɡraʊnd /

A1
  • noun
  • Connection of electrical equipment to earth
  • Place where people play particular sports
  • Solid surface of the earth that we stand on
  • verb
  • To break (coffee, etc.) into tiny bits with machine
  • To make loud jarring noise by pressing hard
  • To make sharp or smooth through friction
  • To press together with force making a sound
  • To punish someone by not allowing them to go out
  • To hit the bottom
  • (Of boat) to hit the bottom so it cannot move
  • To prevent a plane from taking off
  • To place the ball over the goal line in rugby

hurt

Copy vocabulary

US / hɜ:t /

UK / hɚt /

A1
  • noun
  • Mental, emotional, or physical pain
  • verb
  • To cause pain, damage or injury

tough

Copy vocabulary

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

ten

Copy vocabulary

US / ten /

UK / tɛn /

A1
  • number
  • 10

fix

Copy vocabulary

US / fɪks /

UK / fɪks /

A2
  • noun
  • Answer to a problem
  • verb
  • To arrange or prepare something
  • To attach something so it will not move or change
  • To dishonestly arrange the result of a game
  • To make an animal unable to produce young
  • To make something whole or able to work again

rate

Copy vocabulary

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

study

Copy vocabulary

US / 'stʌdɪ /

UK / ˈstʌdi /

A1
  • noun
  • Room that a person studies or reads in
  • Piece of research
  • Topic or subject you research or learn about
  • verb
  • To focus on learning something usually at school

raise

Copy vocabulary

US / reɪz /

UK / rez /

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

struggle

Copy vocabulary

US / 'strʌɡl /

UK / ˈstrʌɡəl /

A2
  • noun
  • Strong efforts made to do something difficult
  • verb
  • To try very hard to do something difficult

impact

Copy vocabulary

US / 'ɪmpækt /

UK / ˈɪmˌpækt /

A2
  • 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

attempt

Copy vocabulary

US / ə'tempt /

UK / əˈtɛmpt /

A2
  • noun
  • Effort made to try to do or accomplish something
  • verb
  • To try to do something challenging or difficult

enter

Copy vocabulary

US / 'entə(r) /

UK / ˈɛntɚ /

A1
  • verb
  • To start a career or an education
  • To become a competitor in a contest
  • To add or type information in a computer
  • To go into a room, building etc.

trouble

Copy vocabulary

US / ˈtrʌbl /

UK / ˈtrʌbəl /

A2
  • noun
  • Lack of public order; disturbance
  • State of difficulty or stress
  • verb
  • To worry, bother or disturb someone
  • To make an effort to do something; bother
  • To do difficult or bad things which cause problems

surprise

Copy vocabulary

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

direction

Copy vocabulary

US / də'rekʃn /

UK / dɪˈrɛkʃən, daɪ- /

A2
  • noun
  • When someone tells people what to do
  • Describes the way you are going, e.g. North

target

Copy vocabulary

US / 'tɑ:ɡɪt /

UK / ˈtɑrɡɪt /

A2
  • noun
  • A goal or amount you are trying to achieve
  • Group you are trying to sell to or influence
  • Something shot at to practice shooting
  • verb
  • To try to influence; direct a message toward
  • (Army) to aim an attack at something

interest

Copy vocabulary

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

contact

Copy vocabulary

US / 'kɒntækt /

UK / ˈkɑnˌtækt /

A2
  • adjecitve
  • Touching or feeling something
  • noun
  • Touching or feeling something
  • Object that allows electricity to run through it
  • Communication with someone or something
  • People who can give you information, introductions
  • verb
  • To get in touch with someone

professional

Copy vocabulary

US / prə'feʃənl /

UK / prəˈfɛʃənəl /

A2
  • adjecitve
  • Of jobs such as doctor, lawyer, accountant, etc.
  • Acting/done properly as a qualified person would
  • Getting paid for playing a sport/doing an activity
  • noun
  • Highly qualified person, e.g. lawyer or doctor
  • One who plays a sport or similar activity as a job

global

Copy vocabulary

US / ˈgləʊbl /

UK / ˈgloʊbl /

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

zero

Copy vocabulary

US / ˈzɪərəʊ /

UK / ˈzɪroʊ /

A1
  • noun
  • Temperature when water turns to ice
  • number
  • Number 0
  • verb
  • To set a scale or other device to show 0

suffer

Copy vocabulary

US / 'sʌfə(r) /

UK / ˈsʌfɚ /

A2
  • verb
  • To experience pain, illness, or injury

understanding

Copy vocabulary

US / ˌʌndəˈstændɪŋ /

UK / ˌʌndərˈstændɪŋ /

A1
  • adjecitve
  • Being sympathetic
  • noun
  • When you get the meaning correctly; comprehension
  • Knowledge about something or someone
  • verb
  • To know the meaning of language, what someone says

bill

Copy vocabulary

US / bɪl /

UK / bɪl /

A2
  • 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

concerned

Copy vocabulary

US / kənˈsɜ:nd /

UK / kənˈsə:nd /

A2
  • adjecitve
  • Worried or anxious
  • verb
  • To be about a particular topic
  • To have a direct impact on someone
  • To be responsible or mixed up in; to be involved
  • To feel worry or anxiety

climb

Copy vocabulary

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

cash

Copy vocabulary

US / kæʃ /

UK / kæʃ /

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

crisis

Copy vocabulary

US / 'kraɪsɪs /

UK / ˈkraɪsɪs /

B1
  • noun
  • Unstable situation of extreme danger or difficulty

lunch

Copy vocabulary

US / lʌntʃ /

UK / lʌntʃ /

A1
  • noun
  • Light meal eaten in the middle of the day
  • verb
  • To eat a meal during the middle of the day

property

Copy vocabulary

US / 'prɒpətɪ /

UK / ˈprɑpəti /

A2
  • noun
  • Particular quality that someone or something has
  • Buildings or piece of land owned by someone

trend

Copy vocabulary

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

bank

Copy vocabulary

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

advance

Copy vocabulary

US / əd'vɑ:ns /

UK / ædˈvæns /

A2
  • noun
  • Forward movement by an army
  • An attempt to seduce someone
  • verb
  • (Of an army) to move forward
  • To change or improve
  • To increase in price or value
  • To move forward in a certain direction
  • To try to seduce someone

effectively

Copy vocabulary

US / ɪˈfektɪvli /

UK / ɪˈfɛktɪvli /

B1
  • adverb
  • In a way that produces the desired result

triple

Copy vocabulary

US / ˈtrɪpl /

UK / ˈtrɪpəl /

B2
  • noun
  • Group or set of three

grocery

Copy vocabulary

US / 'ɡrəʊsərɪ /

UK / 'ɡroʊsərɪ /

B2
  • noun
  • Daily foods such as flour, sugar, and tinned foods

tremendous

Copy vocabulary

US / trəˈmendəs /

UK / trɪˈmɛndəs /

B1
  • adjecitve
  • Very good or very impressive

agreement

Copy vocabulary

US / əˈgri:mənt /

UK / əˈɡrimənt /

A2
  • noun
  • Sharing the same opinion or reach a decision

canada

Copy vocabulary

US / 'kænədə /

UK / ˈkænədə /

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

overnight

Copy vocabulary

US / ˌəʊvə'naɪt /

UK / ˈovɚˌnaɪt /

B1
  • adverb
  • (Becoming famous, etc.) in a short amount of time

extent

Copy vocabulary

US / ɪkˈstent /

UK / ɪkˈstɛnt /

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

canadian

Copy vocabulary

US / kəˈneɪdiən /

UK / kəˈnediən /

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

payment

Copy vocabulary

US / ˈpeɪmənt /

UK / ˈpemənt /

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

finance

Copy vocabulary

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

housing

Copy vocabulary

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

underwater

Copy vocabulary

US / ˌʌndəˈwɔ:tə(r) /

UK / ˈʌndɚˌwɔtɚ, -ˌwɑtɚ /

C2
  • adjecitve
  • (Moving or existing) beneath the surface of water

monthly

Copy vocabulary

US / ˈmʌnθli /

UK / ˈmʌnθli /

A2
  • adverb
  • Occurring about once every 4 weeks

variable

Copy vocabulary

US / ˈveəriəbl /

UK / ˈveriəbl /

A2
  • adjecitve
  • Having the ability to change or vary
  • noun
  • Mathematical quantity with several values

scope

Copy vocabulary

US / skəʊp /

UK / skoʊp /

B1
  • noun
  • Opportunity for action or thought
  • Range of things included or dealt with
  • Instrument that you use to look at things

prospect

Copy vocabulary

US / 'prɒspekt /

UK / ˈprɑsˌpɛkt /

A2
  • noun
  • Opportunity or chance for success
  • Person who is considered for a particular position
  • verb
  • To search for minerals such as gold or diamonds

inflation

Copy vocabulary

US / ɪn'fleɪʃn /

UK / ɪnˈfleʃən /

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

specialist

Copy vocabulary

US / 'speʃəlɪst /

UK / ˈspɛʃəlɪst /

B1
  • noun
  • Person who works in one specific area or field

institute

Copy vocabulary

US / 'ɪnstɪtju:t /

UK / ˈɪnstɪˌtut, -ˌtjut /

A2
  • noun
  • Organization studying science, engineering etc.
  • verb
  • To start or commence doing, e.g. a business plan

renew

Copy vocabulary

US / rɪ'nju: /

UK / rɪˈnu, -ˈnju /

B1
  • verb
  • To make something stronger, fresher, or like new
  • To replace something old or worn by something new
  • To make something valid again for future period
  • To begin again after stopping, as with more energy

mortgage

Copy vocabulary

US / 'mɔ:ɡɪdʒ /

UK / ˈmɔrɡɪdʒ /

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

locally

Copy vocabulary

US / 'ləʊkəlɪ /

UK / ˈlokəlɪ /

A2
  • adverb
  • In the area being referred to

homeowner

Copy vocabulary

US / ˈhəʊməʊnə(r) /

UK / ˈhomˌonɚ /

C2
  • noun
  • Someone who owns a home

breadth

Copy vocabulary

US / bredθ /

UK / brɛdθ /

B2
  • noun
  • Width; distance from one side to the another

affordability

Copy vocabulary

US / əˌfɔːdəˈbɪlɪti /

UK / əˌfɔrdəˈbɪləti /

B1
  • noun
  • Cheap enough to buy something you want

renewal

Copy vocabulary

US / rɪˈnju:əl /

UK / rɪˈnu:əl /

B1
  • noun
  • Action of making something more modern or like new

nexus

Copy vocabulary

US / ˈneksəs /

UK / ˈnɛksəs /

B2
  • noun
  • Link or connection between things or groups

reid

Copy vocabulary

US / riːd /

UK / rid /

A1

angus

Copy vocabulary

US / ˈæŋɡəs /

UK / ˈæŋgəs /

A1
  • proper noun
  • A council area of north-eastern Scotland; administrative centre, Forfar. It was known from the 16th

outflow

Copy vocabulary

US / ˈaʊtfləʊ /

UK / ˈaʊtfloʊ /

A1
  • noun
  • Process of flowing out, e.g. of emotion

unaffordable

Copy vocabulary

US / ˌʌnə'fɔ:dəbl /

UK / ˌʌnə'fɔ:rdəbl /

B1
  • adjecitve
  • Too expensive to be afforded
  • Introduction to Video Content
  • In an attempt to cool down inflation, the Bank of Canada raised its target for the overnight rate eight straight times beginning last year. This move, however, may have unintentionally affected even homeowners, contributing to the country's affordability crisis. British Columbia (BC) has been particularly impacted by the housing downturn for a significant period of time. A recent study conducted by the Angus Reid Institute found that three out of ten Canadian homeowners are struggling with their mortgage payments. The number rises to 51% for those with a variable rate mortgage. While this trend was anticipated, the study reveals the extent of the difficulties faced by homeowners. Moreover, the study highlights that half of those with a variable rate mortgage across Canada have had to dip into their savings to meet their monthly expenses. The situation is even worse in BC, where 38% of homeowners with a mortgage are facing challenges. Additionally, 14% of homeowners in the province claim that their property is currently worth less than their outstanding mortgage, putting them in a precarious financial position. This situation has left many feeling sorry for those who are struggling to make ends meet. With limited funds, individuals are finding it difficult to afford even basic necessities, such as lunch. Consequently, many homeowners are keen on reducing their mortgage payments. Mortgage specialists, such as Spiros Kouleras, suggest that homeowners should plan for their mortgage renewal in advance, regardless of whether they are on a fixed rate. With interest rates having tripled, people's finances and cash flow have been heavily impacted. Seeking assistance and advice from mortgage professionals is essential during these challenging times.
  • Subtitles section
  • In an attempt to cool down inflation, the Bank of Canada raised its target for the overnight rate eight straight times beginning last year.
  • But in the process, it may have also pulled even those who own their homes into the country's affordability crisis.
  • BC has been the nexus really, ground zero for housing hurt for so long.
  • A new study from the Angus Reid Institute shows three in ten Canadian homeowners are having a tough time with their mortgage.
  • That number climbs even higher to 51% for those who have a variable rate.
  • It's not a tremendous surprise what we're seeing.
  • We've known that this was going to trend in that direction for some time.
  • But it's really understanding that the breadth and the scope and the extent to which people are suffering and are struggling.
  • The study also showing Canada-wide half of those with a variable rate mortgage say they've had to take out money from their savings to pay their monthly bills.
  • The situation locally also troubling.
  • Here in BC, 38% with a mortgage say they're having a tough time with it.
  • 14% of homeowners say they're underwater on their property and would lose money if they were to sell right now.
  • I feel pretty bad for the people right now.
  • They just don't have enough money to pay for lunch.
  • We just want to pay less.
  • So we want to save some money for other stuff like buying groceries and stuff.
  • Tell me, when is your mortgage renewing?
  • Mortgage specialists like Spiros Kouleras say even if you're on a fixed rate, it's a good idea to be thinking about the renewal in advance.
  • Interest rates have effectively more than tripled, so it's obviously had an impact on people's finances and their cash outflows.
  • Don't just be concerned.
  • Contact a mortgage professional and see what they can do to help you.
  • The Angus Reid Institute study also finds the people most concerned are those who may have just entered their mortgage agreement and are now faced with the prospect of unaffordable payments for 25 or more years.
  • Amar Aghaji, Global News.