Real, everyday American English — The Bank, Bills and Rent (Part 2). You hear 40 phrases Americans actually use, each spoken clearly with a natural-speed repeat, the stressed syllable marked, and a short note on when to use it. Then take the matching quiz. Phrases in this episode (CAPITALS = the beat): What’s the interest rate? [wuts thee IN-trust RAYT?] How long is the loan for? [HOW LAWNG iz thuh LOHN FOR?] I've hit my limit for today. [eyev HIT my LIH-mit fur tuh-DAY.] I want to open an account. [eye WAH-nuh OH-pun uh-nuh-KOWNT.] Do I need an appointment? [duh eye NEED un uh-POYNT-munt?] The meter is running fast. [thuh MEE-dur iz RUH-ning FAST.] I’ll return it next month. [eyel ri-TURN it NEKST MUNTH.] It should be written down. [it SHUUD bee RIH-tn DOWN.] Don’t tell anyone at home. [DOHNT TEL EH-nee-wun at HOHM.] I have to ask for a raise. [eye HAF-tuh ASK fur uh RAYZ.] We're saving for our children's future. [weer SAY-ving fur owr CHIL-drunz FYOO-chur.] Is there a monthly fee? [iz thair uh MUHNTH-lee FEE?] I got a call from the bank. [eye GAHT uh KAWL frum thuh BANGK.] Is there a daily limit? [iz thair uh DAY-lee LIH-mit?] The rent has gone up a lot. [thuh RENT haz GAH-nup uh LAHT.] It’s because we ran the AC. [its bi-KAWZ wee RAN thee AY-SEE.] Let’s wait a little longer. [LETS WAY-duh LIH-dl LAWNG-gur.] The loan has been approved. [thuh LOHN haz bin uh-PROOVD.] Can I get a printed statement? [kin eye GET uh PRIN-did STAYT-munt?] Will I get my deposit back? [wil eye GET my dih-PAH-zit BAK?] You'll end up paying a late fee. [yool END UHP PAY-ing uh LAYT FEE.] They pay the salary in cash. [thay PAY thuh SAL-uh-ree in KASH.] We didn't save anything this year. [wee DIH-dnt SAYV EH-nee-thing this YEER.] Always get a receipt. [AWL-wayz GET uh rih-SEET.] We'll keep it in a safe deposit box. [weel KEEP it in uh SAYF dih-PAH-zit BAHKS.] I paid half up front. [eye PAYD HAF UHP FRUHNT.] …and more in the episode