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Practice English Speaking&Listening with: How to pronounce words and expressions related to money and finance - with an American accent

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in this video I would like to teach you

how to correctly pronounce some words

related to money and finance these are

words that are very common but so often

they are mispronounced first I will

teach you how to correctly pronounce

them and then I will teach you some

common expressions related to these

words

and finally as usual we will say them in

natural sounding sentences so that you

can also work on other English sounds

and rhythm intonation and linking the

first word is debt did you know that the

B is silent in the word debt so don't

say depth we can say I'm in debt or I'm

out of debt if I Opie pulmonic

in debt and after I pay on my debt I am

out of debt out of debt and we have

another word that's an adjective that's

related to debt and that's indebted

repeat after me

indebted in debt it has two meanings one

meaning is to be in debt for example I

am indebted to the bank that means I owe

money but a more common meaning is when

someone does you a big favor when they

help you a lot you can say I am indebted

to you you feel very thankful I'm deeply

indebted to you for all your help for

all that you've done for me that's a

good word for you to know and to use the

second word is interest there are two

things about this word they make it

difficult the first one is the first e

is silent so we don't say interests we

say interest only two syllables and the

second thing is when the e is eliminated

now the T and the R are next to each

other and the T and they are together or

pronounced true-true

for example we don't say to rest we say

trust travel try introduce a trash

therefore the T and the R sound like

this interest interest and the

percentage that you pay when you borrow

money is called the interest rate it's a

compound noun so we stressed the first

word interest rate and of course the

word interested is also pronounced this

way with the T and the are interested

I'm interested in improving my English

the next word is difficult for three

reasons and the word is withdraw the

first reason it's difficult is because

we have the th and the D next to each

other and we should pronounce both of

those sounds so we have to go like this

withdraw first move your tongue on your

teeth and then for the D behind your

teeth withdraw and the second reason

this word is difficult is because of the

aw in American English we need to open

our mouth and say oo oo

for example law raw pas saw therefore

withdraw and the third reason this word

is difficult is due to the dr the dr

sound like this jura jura it's not the

it's not good it's drew

for example drive drink dream drop and

in the middle of the word address and

the city in Spain Madrid Madrid that's

how we say it and one more word

dehydrated when your body doesn't have

enough water when you lose too much

water you are dehydrated and you need to

drink water let's say that word one more

time withdraw withdraw and of course

that means to take out money and the

past tense is withdrew I withdrew money

from the bank and where do you go to

withdraw money sometimes you go to the

bank but sometimes you go to a machine

right what is that machine called that's

the next word in American English that

machine is called the ATM

Sheen ATM and let's stress the last

letter because when we have

abbreviations the rule is we stress the

last letter the most for example MBA

UCLA FBI so we say ATM and ATM stands

for automated teller machine automated

teller machine and a teller is a person

who works in the bank and this is an

automated teller so ATM automated teller

machine so we say I withdrew money from

the ATM and what is the opposite of

withdraw when you put money in the bank

we stress the second syllable deposit

the Oh sounds like ah deposit don't

stress the first syllable

don't say deposit its deposit and the

past tense is deposited I deposited some

money in the bank how do we say the next

word do you know what it means let's say

it first mortgage the T is silent listen

again mortgage and we reduce the a we

don't say more gauge we say mortgage

what does that mean for example if you

have an apartment and you pay every

month you usually pay rent to the

landlord to the owner if you are not the

owner you pay rent but if you bought the

apartment or you bought the house you

pay a mortgage to the bank if you didn't

pay all cash you have to pay monthly

payments to the bank and that payment is

called mortgage so the payments for an

apartment or a house are either called

rent or mortgage depending on if you're

renting or if you own it and now let's

say an expression mortgage interest rate

many people are buying property because

mortgage interest rates are low

do you ever confuse these two words a

lot of my students do you probably know

the difference in the meaning but be

careful when you're speaking quickly

don't add the extra n to the first word

one is o and one is own they're very

different o is the money

you need to pay back I owe you money I

owe money to the bank own is something

you possess something you have I own a

car a common mistake that my students

make they will say I own you

five dollars instead of I owe you five

dollars be careful about that and the

past tense is owed versus owned he owed

it versus he owned it and sometimes

people use oh for other things for

example I owe you a favor I'm very

indebted to you I owe you a favor and we

have an expression owing - and that

means do - or because of I was late to

the meeting

owing to heavy traffic and our final

word is budget budget the D is silent

and make sure that you is pronounced

like this uh it's not budget its budget

and budget can be either a noun or a

verb you can use these expressions that

was so expensive it was over my budget

or you can also say it was out of my

budget it means the same thing it means

I can't afford it I can't pay for it it

costs too much money and the verb is to

budget and that means to save money for

something special that you want we are

budgeting for our next vacation and the

past tense is budgeted budgeted and

there's an expression that I like that I

think is really funny the first time I

heard it I was laughing and that is when

you have very expensive tastes and you

like really expensive things but you

don't make enough money for example

you'd like to buy a Ferrari or some kind

of expensive car but actually you can

only afford a used Honda the expression

is you have champagne taste on a beer

budget I like that one champagne taste

on a beer budget do you know some people

like that okay now let's practice saying

these words in natural sounding

sentences listen to me and repeat number

one I need to withdraw some cash from

the ATM

make sure you stress the m80 em and say

them as one word let's say that again I

need to withdraw some cash from the ATM

number two I still owe $2,000 on my car

loan and car loan is a compound noun so

we stressed the word car car loan I

still owe $2,000 on my car loan number

three I owe you an apology

make sure you connect the n with the a

an apology and the first o is pronounced

as aa I owe you an apology number four

the bank owns our house until we pay off

the mortgage

and notice we didn't say our house we

said our house our house and we're gonna

say pay off and pay off means to pay

completely to pay the whole amount

listen again the bank owns our house

until we pay off the mortgage number

five I'm trying to get a lower interest

rate on my mortgage and interest rate as

a compound now so we stress interest I'm

trying to get a lower interest rate on

my mortgage number six I hope to get out

of debt soon and you can either say get

out of debt or if you want to speak more

quickly you can say get out of debt I

hope to get out of debt soon and number

seven

he likes that apartment but it's out of

his budget and let's connect that an

apartment and let's say that apartment

he likes that apartment but it's out of

his budget thanks for watching and keep

practicing your English every day

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