Kertoa ^{(Verb type1)}

1. to tell

   Kertoiko hän mitään eilisestä?

   Did s/he say anything about yesterday?

2. (arithmetic) to multiply (by = adessive)
3. to have it (to understand, believe, let believe)

   Huhu kertoo, että etsit uutta työtä.

   Rumour has it you're looking for a new job.

   Tavallinen viisaus kertoo, että lämpö nousee ylöspäin, mutta itse asiassa se leviää: kuuma ilma nousee.

   Conventional wisdom has it that heat rises, but in fact heat diffuses: hot air rises.

4. to be a sign (of = elative), speak of, indicate

The present, imperfect, perfect, and pluperfect (past perfect) tenses in English correspond to "speaks", "spoke", "has spoken", and "had spoken".

The conditional present and perfect moods in English typically correspond to "would" and "would have".