Ay - as in "say"
say
Oe - as in "amoeba" or "shoe" or "toe"
amoeba, shoe, toe
Oi - as in "oil"
oil
Oo - as in "food" or "moon"
food, moon
Or - born
born
Ou - as in "courage" or "flour" or "house"
courage, flour, house
Ow - as in "cow" or "slow"
cow, slow
Oy - as in "boy"
boy
Ph - as in "philosophy"
philosophy
Pt - as in "receipt"
receipt
Qu - as in "queen" or "quiet"
queen, quiet
Sh - as in "she" or "shoe"
she, shoe