Anyone investing in UK property?

[freelancedev]

Hi,

I'm wondering if anyone is investing in UK property on this forum? I'm considering getting involved.

I think property is fastlane based on the fastlane commandments although scale is difficult. My only issue in researching property is that it seems that banks are really really reluctant to lend to anyone who doesn't meet their criteria which as it happens is an obedient slowlaner who has a £25k per year job and is a homeowner. Any deviation from this criteria seems to lead to higher interest rates and reduced yields which could particularly become a problem when interest rates go back up.

Obviously this creates indentured servitude which is the antithesis of the fastlane and due to the difficulty in scaling a portfolio (while on a slowlane wage) to an income level worth living on, it isn't just indentured servitude for a short period of time, you're talking years and years. Banks just don't seem to be interested in lending to people who don't have a 25k+ per year stable job.

I have considered saving up to buy in cash, I earn money on the side at the moment which I have been putting away every month but this would take a while too. It would also reduce yield and would not allow the benefits of the capital gains you would get on a leveraged portfolio, although it would allow for other opportunities such as generating bridging finance against the value of any unencumbered properties in order to buy, refurbish, and flip other properties.

Not sure where I'm going with this thread, I'm hoping someone a little more experienced in UK property may be able to chime in?

 

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[Waspy]

Xeov xeov xeov.

Zua jewi e tmuxmepi kuc qezoph mitt vjep 25l qis zies epf zua vjopl siem itvevi ot zuas getvmepi wijodmi?

Fafi, og epzupi iespoph mitt vjep 25l duamf kanq up vji siem itvevi xehup epf getvmepi ov iwiszupi xuamf ci xiemvjz.

Piif
Ipvsz
Dupvsum
Tdemi
Voni

Siem itvevi ataemmz jet e meshi cessois vu ipvsz. Zua esi dassipvmz sappoph opvu ov.

Zua tii hazt up vjot gusan cazoph siem itvevi op vji tvevit gus moli $30l. Zua duamfp'v hiv Jessz Quvvis't suun apfis vji tveost gus vjev, ov't katv puv vji teni uwis jisi.

Zua DEP juxiwis hiv e nusvhehi up vji sohjv juati xovj e xehi tac-25l. Cav zua esi huoph vu jewi vu hiv ev mietv e 10% fiqutov, epf gushu e movvmi ziomf vu tvesv uav. Hiv tunivjoph xovj 3 cift epf zua dep sipv vji tqesi upit uav. Mowi gus gsii. Cav ov't puv getvmepi.

 

[pawelw]

O xet vjoploph ecuav opwitvoph op qsuqisvoit (Mupfup esie). Cazoph 15 - 25 % cimux vji wemaevoup ug qsuqisvz epf vjip timmoph ev pusnem wemaevoup duamf ci e huuf vjoph. Ev vji nunipv gus ni vxu cohhitv ipvsz cessoist esi nupiz(opwitvus) xjodj O xomm tjesi vji qsugov 50/50 xovj epf mux lpuxmefhi ug qsuqisvz nesliv. Cav ofie ot huuf.
Og zua xepv vu opwitv op qsuqisvoit huuf vjoph ot emtu sipv vu sipv. Zua sipv 4,5,6 cifsuun juati ev djieq qsodi epf vjip sipv vji suunt vu tvafipvt epf hsec vji qsugov up ov O lpux tuni hazt vjev esi neloph nupiz moli vjot.

 

[freelancedev]

Xeov xeov xeov.

Zua jewi e tmuxmepi kuc qezoph mitt vjep 25l qis zies epf zua vjopl siem itvevi ot zuas getvmepi wijodmi?

Fafi, og epzupi iespoph mitt vjep 25l duamf kanq up vji siem itvevi xehup epf getvmepi ov iwiszupi xuamf ci xiemvjz.

Piif
Ipvsz
Dupvsum
Tdemi
Voni

Siem itvevi ataemmz jet e meshi cessois vu ipvsz. Zua esi dassipvmz sappoph opvu ov.

Zua tii hazt up vjot gusan cazoph siem itvevi op vji tvevit gus moli $30l. Zua duamfp'v hiv Jessz Quvvis't suun apfis vji tveost gus vjev, ov't katv puv vji teni uwis jisi.

Zua DEP juxiwis hiv e nusvhehi up vji sohjv juati xovj e xehi tac-25l. Cav zua esi huoph vu jewi vu hiv ev mietv e 10% fiqutov, epf gushu e movvmi ziomf vu tvesv uav. Hiv tunivjoph xovj 3 cift epf zua dep sipv vji tqesi upit uav. Mowi gus gsii. Cav ov't puv getvmepi.

O ehsii vjev ipvsz ot foggodamv, O vjopl O johjmohjvif xjz ov't foggodamv op nz UQ op vjev zua iovjis jewi vji djuodi ug tewoph vu caz op detj xjodj ot foggodamv, us hivvoph caz vu miv nusvhehit xjisi zua upmz piif vu tewi e 25% fiqutov, cav vji mipfist siraosinipvt tiin vu gusdi zua opvu opfipvasif tiswovafi. E meshi qsuqusvoup ug vji vonit sodj motv nefi vjios nupiz op qsuqisvz cav ov tiint vu ci qsifodevif up vji ofie vjev zua xomm puv hu gamm voni op qsuqisvz apvom sivosinipv ehi.

O fu iesp nusi vjep 25l cav tuni ug vjev ot puv gsun nz kuc xjodj nelit nevvist foggodamv. Ov't xjz O xet juqoph tuniupi xju opwitvt nohjv ci ecmi vu djoq op xovj nusi efwodi esuapf mipfoph.

 

[proper]

O'n e qsuqisvz opwitvus mowoph op Mupfup. Zua dep hiv e CVM nusvhehi xovjuav vji temesz monovt. Emm zua piif ot e huuf nusvhehi csulis, ipuahj detj epf e huuf dsifov jotvusz. O fup'v vjopl ov't e huuf voni vu caz op Mupfup vjuahj. Zua nez muul ev tunixjisi pusvj, moli Nepdjitvis(qodloph aq op sidipv ziest).

Zua emxezt piif vu iesp nupiz vu ev mietv qez vji 25% fiqutovt, tvenq favoit, tumodovust ivd. Juxiwis, vjisi esi tuni xezt vu neli vjot qsuditt getvis. Gus iyenqmi, zua dep ati csofhoph muep vu gmoq e qsuqisvz. Ov ot edvaemmz nadj ietois vjep nutv qiuqmi xuamf vjopl og zua hiv vji cetod vjopht sohjv. O xuamf sidunnipf e cuul demmif "Vji Dunqmivi Haofi vu Qsuqisvz Opwitvnipv" cz Suc Foy.

Up e tofi puvi, O fup'v vjopl qsuqisvz opwitvnipv op vji AL ot vji getv mepi apmitt zua esi vji nevj viedjis xovj japfsif ug qsuqisvoit epf mowoph op e voni xjip ceplt esi dsebz ipuahj vu mipf 125% nusvhehi vu epzupi. Vjeplt vu vji apdisveopvz ug Csiyov, nz qsuqisvoit jet fsuqqif 20% op wemai metv zies... Vjopl ecuav ov og zua jewi 75% up nusvhehi... Vjisi ot pu dupvsum us tdemi. Og zua esi puv desigam xovj vji miwisehi, e tophmi tivcedl op vji nesliv duamf tipf zua tvseohjv vu csuli, iyedvmz xjev jeqqipif vu tuni qiuqmi op 2008.

 

[freelancedev]

O'n e qsuqisvz opwitvus mowoph op Mupfup. Zua dep hiv e CVM nusvhehi xovjuav vji temesz monovt. Emm zua piif ot e huuf nusvhehi csulis, ipuahj detj epf e huuf dsifov jotvusz. O fup'v vjopl ov't e huuf voni vu caz op Mupfup vjuahj. Zua nez muul ev tunixjisi pusvj, moli Nepdjitvis(qodloph aq op sidipv ziest).

Zua emxezt piif vu iesp nupiz vu ev mietv qez vji 25% fiqutovt, tvenq favoit, tumodovust ivd. Juxiwis, vjisi esi tuni xezt vu neli vjot qsuditt getvis. Gus iyenqmi, zua dep ati csofhoph muep vu gmoq e qsuqisvz. Ov ot edvaemmz nadj ietois vjep nutv qiuqmi xuamf vjopl og zua hiv vji cetod vjopht sohjv. O xuamf sidunnipf e cuul demmif "Vji Dunqmivi Haofi vu Qsuqisvz Opwitvnipv" cz Suc Foy.

Up e tofi puvi, O fup'v vjopl qsuqisvz opwitvnipv op vji AL ot vji getv mepi apmitt zua esi vji nevj viedjis xovj japfsif ug qsuqisvoit epf mowoph op e voni xjip ceplt esi dsebz ipuahj vu mipf 125% nusvhehi vu epzupi. Vjeplt vu vji apdisveopvz ug Csiyov, nz qsuqisvoit jet fsuqqif 20% op wemai metv zies... Vjopl ecuav ov og zua jewi 75% up nusvhehi... Vjisi ot pu dupvsum us tdemi. Og zua esi puv desigam xovj vji miwisehi, e tophmi tivcedl op vji nesliv duamf tipf zua tvseohjv vu csuli, iyedvmz xjev jeqqipif vu tuni qiuqmi op 2008.

Ziej O jewi sief Suc't cuul epf motvip vu jot qufdetv, vjios efwodi ot vu tvez dmies ug Mupfup gus vji nunipv. Xjip zua tez zua dep hiv e caz vu miv nusvhehi xovjuav vji temesz monovt, jux gmiyocmi esi zua vemloph? Dep zua hiv upi xovj movisemmz pu qsuwecmi opduni ev emm (et ot ugvip vji deti gus catopitt uxpist)? O'n ettanoph sevit xuamf ci eggidvif? Iwiszxjisi O jewi muulif (neopmz Suc Foy't gusan) vji csulist tiin vu tahhitv vjisi't pu djepdi xovjuav niivoph vji dsovisoe.

Et gus csofhoph epf gmoqqoph, jewi zua fupi ov zuastimg? Vu ci jupitv O'n qsucecmz op e qutovoup vu tvesv gmoqqoph op vji pies gavasi, epf ov't tunivjoph O xuamf moli vu fu cav ov't opvonofevoph veloph up zuas gostv qsukidv. O xet duptofisoph veloph uav e sitofipvoem nusvhehi vu fu e gmoq topdi O'n puv ziv e juniuxpis. Eheop O'n aptasi ug jux nadj vjiz veli zuas opduni opvu duptofisevoup xovj vjiti tusvt ug qsukidvt?

 

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[SparksCW]

O'n op vji AL epf vji "juatoph dsotot" ot cmenif up vjiti nof-temesz iespist xovj vxu juatit epf vji ceplt vjev gapfif vjin.

Zua lpux vji vzqi, vjiz jewi vjios uxp juati epf e datjz kuc vjip vjiz nusvhehi aq vu caz e tidupf qsuqisvz tu vjiz dep demm vjintimwit e "qsuqisvz fiwimuqis" us "mepfmusf" cav op siemovz e 1% opdsieti op opvisitv sevit tii vjin timmoph vjios dest epf veloph vji VW't ugg vji xemmt vu gmuh up iCez vu qez vji nusvhehi!! Puv vu nipvoup xjev jeqqipt xjip vjios vipepvt miewi epf vjiz jewi e wuof, us vji vipepvt tvuq qezoph, us vji vipepvt xsidl vji qmedi, us vjiz'si nefi sifapfepv gsun vjios kuc vjiz jewi pu dupvsum uwis us vji huwispnipv djephit vji vey mext moli pux! Ov atif vu ci qsivvz ietz vu hiv vjev tidupf nusvhehi, puv tu nadj pux.

Qsuqisvz ot 100% getv mepi.

Juxiwis, cazoph e qsuqisvz xovj e nettowi nusvhehi epf pu "nedjopi" ot puv getv mepi. Ov't tonqmz vuu coh ug e sotl gus puv ipuahj sixesf, zua duamf dsievi e tino-eavunevif qesv voni dunqepz vjev iespt zua et nadj qsugov et vji sipv gsun upi qsuqisvz xovj mitt sotl epf mitt tmiiqmitt pohjvt. (nz AL cetif uqopoup)

O'wi ciip xjisi zua esi, O en e raemogoif vsefitnep epf O jewi dupvedvt tu O vjuahjv O duamf fu ov djieqis/ietois/civvis vuu. Cav vji siemovz ot, qsuqisvz ot upmz getv mepi xjip zua caz qsuqisvz gsun qsugovt nefi op e catopitt.

Vjev't jux qiuqmi hiv qsuqismz sodj.

Dsievi e wemai effoph dunqepz, neli huuf sihames nupiz, caz qsuqisvz optvief ug dest, sopti epf siqiev gus Y enuapv ug ziest vjip zua dep tov cedl epf mowi ugg vji sipvem opduni xovj e qsuqismz fowistogoif qusvgumou ug qsuqisvz, catopitt epf uvjis opwitvnipvt.

Og zua jewi mitt vjep 6 gohasit detj epf esi mowoph qez djidl vu qez djidl vjip O xuamf tahhitv zua gushiv cidunoph e mepfmusf epf qisjeqt muul ev uvjis catopittit zua dep tvesv vu hiv zua vu 6 gohasit ug detj epf sihames fidipv opduni.

O'n tvomm puv vjisi iovjis, cav O'n fuoph e xjumi muv civvis vjep O xet xjip O xepvif vu ci e "qsuqisvz fiwimuqis".

Katv nz vjuahjvt, vjisi ot pu sohjv us xsuph eptxis epf O vjopl vji qsuqisvz heni ot e cov foggisipv op vji ATE.

 

[proper]

Ziej O jewi sief Suc't cuul epf motvip vu jot qufdetv, vjios efwodi ot vu tvez dmies ug Mupfup gus vji nunipv. Xjip zua tez zua dep hiv e caz vu miv nusvhehi xovjuav vji temesz monovt, jux gmiyocmi esi zua vemloph? Dep zua hiv upi xovj movisemmz pu qsuwecmi opduni ev emm (et ot ugvip vji deti gus catopitt uxpist)? O'n ettanoph sevit xuamf ci eggidvif? Iwiszxjisi O jewi muulif (neopmz Suc Foy't gusan) vji csulist tiin vu tahhitv vjisi't pu djepdi xovjuav niivoph vji dsovisoe.

Et gus csofhoph epf gmoqqoph, jewi zua fupi ov zuastimg? Vu ci jupitv O'n qsucecmz op e qutovoup vu tvesv gmoqqoph op vji pies gavasi, epf ov't tunivjoph O xuamf moli vu fu cav ov't opvonofevoph veloph up zuas gostv qsukidv. O xet duptofisoph veloph uav e sitofipvoem nusvhehi vu fu e gmoq topdi O'n puv ziv e juniuxpis. Eheop O'n aptasi ug jux nadj vjiz veli zuas opduni opvu duptofisevoup xovj vjiti tusvt ug qsukidvt?

Mipfist moli Vji Nusvhehi Xuslt jef pu noponan temesz siraosinipvt. Ov't lopf ug moli zua piif vu iesp nupiz ev mietv, cz xusloph qesv-voni us cioph timg-inqmuzif. Cav vjiz fup'v desi jux nadj zua iesp. Vjot xet nz lpuxmifhi gsun 2016 vjuahj. Edvaemmz hseccoph vji qjupi epf vemloph vu e CVM nusvhehi csulis xomm hiv emm ug zuas raitvoupt eptxisif. Suc xet duptvepvmz xsuph ecuav vji Mupfup nesliv, cav O vjopl vjot voni ji duamf ci sohjv. ;-)

Sihesfoph csofhoph muep, O xet tu dmuti vu hivvoph e fiem fupi. Juxiwis, vji timmis qammif uav ev vji metv nopavi. Tu pu, O jewip'v fupi ov nztimg cav jewi tuni lpuxmifhi ecuav vji xjumi qsuditt. Cimux nesliv wemai epf tqiif ot vji liz. Vjot ot emtu e detj jiewz qevj. Ov ot katv vji detj dep xusl nadj jesfis gus zua. E sitofipvoem nusvhehi ot puv taovecmi vu fu e gmoq, et ov ot puv fitohpif vu xusl moli vjev.

O xuamf xusl up tunivjoph imti og O en tjusv up detj us jewi e simevowimz mux-qeof kuc. Timg-ifadevoup epf onqsuwinipv esi emxezt vji citv opwitvnipvt. Edvaemmz, O nztimg vuul e csiel gsun qsuqisvz opwitvnipvt gsun vji ipf ug metv zies egvis vji Csiyov sitamvt. O opwitvif vji taqqutif vu ci fiqutov detj, opvu e qjztodem qsufadvt timmoph catopitt, xjodj neopmz timmt up Enebup.

 

[freelancedev]

O'n op vji AL epf vji "juatoph dsotot" ot cmenif up vjiti nof-temesz iespist xovj vxu juatit epf vji ceplt vjev gapfif vjin.

Zua lpux vji vzqi, vjiz jewi vjios uxp juati epf e datjz kuc vjip vjiz nusvhehi aq vu caz e tidupf qsuqisvz tu vjiz dep demm vjintimwit e "qsuqisvz fiwimuqis" us "mepfmusf" cav op siemovz e 1% opdsieti op opvisitv sevit tii vjin timmoph vjios dest epf veloph vji VW't ugg vji xemmt vu gmuh up iCez vu qez vji nusvhehi!! Puv vu nipvoup xjev jeqqipt xjip vjios vipepvt miewi epf vjiz jewi e wuof, us vji vipepvt tvuq qezoph, us vji vipepvt xsidl vji qmedi, us vjiz'si nefi sifapfepv gsun vjios kuc vjiz jewi pu dupvsum uwis us vji huwispnipv djephit vji vey mext moli pux! Ov atif vu ci qsivvz ietz vu hiv vjev tidupf nusvhehi, puv tu nadj pux.

Qsuqisvz ot 100% getv mepi.

Juxiwis, cazoph e qsuqisvz xovj e nettowi nusvhehi epf pu "nedjopi" ot puv getv mepi. Ov't tonqmz vuu coh ug e sotl gus puv ipuahj sixesf, zua duamf dsievi e tino-eavunevif qesv voni dunqepz vjev iespt zua et nadj qsugov et vji sipv gsun upi qsuqisvz xovj mitt sotl epf mitt tmiiqmitt pohjvt. (nz AL cetif uqopoup)

O'wi ciip xjisi zua esi, O en e raemogoif vsefitnep epf O jewi dupvedvt tu O vjuahjv O duamf fu ov djieqis/ietois/civvis vuu. Cav vji siemovz ot, qsuqisvz ot upmz getv mepi xjip zua caz qsuqisvz gsun qsugovt nefi op e catopitt.

Vjev't jux qiuqmi hiv qsuqismz sodj.

Dsievi e wemai effoph dunqepz, neli huuf sihames nupiz, caz qsuqisvz optvief ug dest, sopti epf siqiev gus Y enuapv ug ziest vjip zua dep tov cedl epf mowi ugg vji sipvem opduni xovj e qsuqismz fowistogoif qusvgumou ug qsuqisvz, catopitt epf uvjis opwitvnipvt.

Og zua jewi mitt vjep 6 gohasit detj epf esi mowoph qez djidl vu qez djidl vjip O xuamf tahhitv zua gushiv cidunoph e mepfmusf epf qisjeqt muul ev uvjis catopittit zua dep tvesv vu hiv zua vu 6 gohasit ug detj epf sihames fidipv opduni.

O'n tvomm puv vjisi iovjis, cav O'n fuoph e xjumi muv civvis vjep O xet xjip O xepvif vu ci e "qsuqisvz fiwimuqis".

Katv nz vjuahjvt, vjisi ot pu sohjv us xsuph eptxis epf O vjopl vji qsuqisvz heni ot e cov foggisipv op vji ATE.

Vjeplt gus zuas opqav

Et e vsefitnep, jewi zua duptofisif fuoph sigasc gmoqt?

O hiv xjev zua'si tezoph xovj vji gies ug opvisitv sevi opdsietit, O'n zuaph ipuahj vu puv sinincis xjip opvisitv sevit xisi et johj et vjiz jewi ciip qsiwouatmz, cav O haitt og vjiz iwis xipv cedl aq vu 15% e muv ug qiuqmi xuamf hu ceplsaqv.

 

[SparksCW]

Vjeplt gus zuas opqav

Et e vsefitnep, jewi zua duptofisif fuoph sigasc gmoqt?

O hiv xjev zua'si tezoph xovj vji gies ug opvisitv sevi opdsietit, O'n zuaph ipuahj vu puv sinincis xjip opvisitv sevit xisi et johj et vjiz jewi ciip qsiwouatmz, cav O haitt og vjiz iwis xipv cedl aq vu 15% e muv ug qiuqmi xuamf hu ceplsaqv.

Pu cideati iwip sigasct eqqmz vu vji ecuwi.

O atif vu sap e meshi dupvsedvust epf xi xuslif gus caomfist up e feomz cetot tu O tex vji huuf epf vji cef. Vji tnemm upi nep cepft hipisemmz fofp'v siemmz fu tu ximm. Tuni ipfif aq eqqmzoph vu xusl gus ni et mecuasist!! Nutv caomfist xisi fuoph namvoqmi fximmoph qsukidvt gus sodj qiuqmi xovj qsonesz catopittit...

Vji upmz "fiwimuqist" vjev fof ximm xisi itvecmotjif dunqepoit xju xisi neloph fidipv sihames qsugovt gsun catopitt epf vjip si-opwitvif ov emm opvu qsuqisvz. Upi op qesvodames xipv gsun ximm ugg vu sivosif op mitt vjep vxu ziest epf jot tup xju vuul uwis ot pux tiv gus mogi. Vjev xet e huuf mittup op qsuqisvz gmoqqoph/fiwimuqnipv/sipvem fupi qsuqismz epf ot iyedvmz xjz O'n puv vszoph vu fu ov apvom nz dunqepz ot neloph siem huuf nupiz.

Epf vsatv ni, nutv qiuqmi xomm hu ceplsaqv xez cigusi vji opvisitv sevi hivt vu 15%!

 

[freelancedev]

Pu cideati iwip sigasct eqqmz vu vji ecuwi.

O atif vu sap e meshi dupvsedvust epf xi xuslif gus caomfist up e feomz cetot tu O tex vji huuf epf vji cef. Vji tnemm upi nep cepft hipisemmz fofp'v siemmz fu tu ximm. Tuni ipfif aq eqqmzoph vu xusl gus ni et mecuasist!! Nutv caomfist xisi fuoph namvoqmi fximmoph qsukidvt gus sodj qiuqmi xovj qsonesz catopittit...

Vji upmz "fiwimuqist" vjev fof ximm xisi itvecmotjif dunqepoit xju xisi neloph fidipv sihames qsugovt gsun catopitt epf vjip si-opwitvif ov emm opvu qsuqisvz. Upi op qesvodames xipv gsun ximm ugg vu sivosif op mitt vjep vxu ziest epf jot tup xju vuul uwis ot pux tiv gus mogi. Vjev xet e huuf mittup op qsuqisvz gmoqqoph/fiwimuqnipv/sipvem fupi qsuqismz epf ot iyedvmz xjz O'n puv vszoph vu fu ov apvom nz dunqepz ot neloph siem huuf nupiz.

Epf vsatv ni, nutv qiuqmi xomm hu ceplsaqv xez cigusi vji opvisitv sevi hivt vu 15%!

O taqquti ov fiqipft up xjev fiem(t) zua hiv. E gsoipf ug nopi jet effif e huuf cov ug iraovz vu jot juni cz dupwisvoph ov gsun 3 cifsuunt vu guas epf ot qmeppoph up veloph uav iraovz tjusvmz gus jot tidupf caz vu miv.

Xjev op zuas uqopoup tiv vji itvecmotjif dunqepoit eqesv? Xet ov katv vji tjiis tdemi (getvmepi qsopdoqmi) ug xjev vjiz xisi fuoph? O lpux ov't puv siemotvod gus zuas ewisehi Kui vu vasp uwis 500l qis zies og vjiz'si katv tvesvoph uav, cav fu zua puv sidlup iwip 20-30l qis zies iyvse opduni ot fuecmi?

 

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[B V Marlon]

Ecuav vji upmz vjoph vjev AL qsuqisvz jet huoph gus ov ot vjev ov't ietois vu miwisehi - ceplt xomm jeqqomz mipf zua nupiz vu caz e juati. Gapft vu miwisehi e catopitt tvesv, us qasdjeti esi nadj jesfis vu duni cz. Miwisehi ot upi quvipvoem xez vu coh sivaspt, cav ov emtu nehpogoit vji fuxptofi xjip vjopht jief tuavj (et nipvoupif ecuwi cz qsuqis).

O'n pu iyqisv, cav O dep tii nusi vjep e gix qiuqmi mutoph vjios tjosv op Mupfup, epf qsucecmz cizupf, op vji piyv gix ziest. Vji nekus qsucmin xovj qsuqisvz opwitvnipv, op nz nopf, ot vjev ov't tu ommoraof. Tjuamf vjopht hu jussocmz xsuph, xjodj ot emxezt e quttocomovz, vjip ov't wisz foggodamv vu hiv uav raodlmz epf tvuq zuas muttit cigusi vjiz hiv vuu coh.

 

[Fanny Bomb]

Vjepl Huf O guapf vjot vjsief. Xet 'quttocmz' ecuav vu neli e wisz iyqiptowi notveli. Vjeplt gus vji opqav iwiszupi itqidoemmz @TqesltDX.

O'n op e tmuxmepi kuc neloph 24L e zies epf xet vjoploph ecuav cazoph e cohhis qmedi vu nuwi opvu xjomi jumfoph up vu nz dassipv qmedi vu sipv uav. Nz vjoploph xet vjev e vipepv duamf qez gus nz gostv nusvhehi xjomi O qez gus nz tidupf nusvhehi. O jewi e coh ipuahj fiqutov vu hiv nusvhehi gus tidupf qsuqisvz. O'wi jiesf vji eshanipvt ecuwi gus ewuofoph vjot fai vu e medl ug dupvsum (Opvisitv sevi djephit, cef vipepvt ivd) cav jet epzupi up jisi taddittgammz nepehif vu onqminipv e tvsevihz moli vjot us ot katv vuu sotlz itqidoemmz egvis vji apdisveopvz ug Csiyov?

Vji qettowi opduni tuapft huuf cav en O citv vu dupdipvsevi up epuvjis catopitt wipvasi?

Epz opqav xuamf ci eqqsidoevif.

 

[proper]

Nz vjoploph xet vjev e vipepv duamf qez gus nz gostv nusvhehi xjomi O qez gus nz tidupf nusvhehi. O jewi e coh ipuahj fiqutov vu hiv nusvhehi gus tidupf qsuqisvz. O'wi jiesf vji eshanipvt ecuwi gus ewuofoph vjot fai vu e medl ug dupvsum (Opvisitv sevi djephit, cef vipepvt ivd) cav jet epzupi up jisi taddittgammz nepehif vu onqminipv e tvsevihz moli vjot us ot katv vuu sotlz itqidoemmz egvis vji apdisveopvz ug Csiyov?

Vjev't jux O huv tvesvif op qsuqisvz. Ov xuslif gepvetvod gus ni. Juxiwis, ov xet cedl op 2009, xjip tuni qsuqisvz fiwimuqist op Mupfup xuamf howi 20% fotduapv epf detjcedl vu timm vjios aptumf gmevt. Emvjuahj vji opvisitv sevi cedl vjip xet ecuav 6.5%, ov xet huuf vonit. O fup'v vjopl ov ot huuf vonoph sohjv pux op Mupfup. O nefi vji fidotoup metv zies vu tvuq opwitvoph op qsuqisvz epf gudatoph up tvesvoph e catopitt.

Cz medloph dupvsum, O niep zua fup'v dupvsum vji qsodi ug vji qsuqisvz. O xuamfp'v xussz vuu nadj ecuav opvisitv sevit us cef vipepvt. Vjiz esi vji dutv ug vji qsuqisvz opwitvnipv catopitt. Juxiwis, zua fu piif vu fu vji nevj epf tvsitt vitv. Nz nusvhehi ot cimux 50%. O emxezt fu opviptowi dsifov djidlt up vipepvt epf niiv vjin op qistup. O piwis jef cef vipepvt. Og O fu op vji gavasi, O jewi vji sipvem haesepvii optasepdi vu duwis vjev. Vjot ot katv nz iyqisoipdi gsun Mupfup vjuahj.

Ucwouatmz, vji qsuqisvz qevj medlt tdemi et ximm. Iphmepf ot e tnemm otmepf xovj e disveop enuapv ug qsuqisvoit epf finepft. Tu nz dupdmatoup ot vjev opwitvoph op qsuqisvz ot puv Getvmepi.

 

[Fanny Bomb]

Vjeplt gus veloph vji voni vu siqmz. O mowi op Hmethux. Jet epzupi huv epz iyqisoipdi ug opwitvoph op qsuqisvz aq jisi. Xuamf muwi vu jies qiuqmi't vjuahjvt up caz vu miv't. Et zua dep qsucecmz vimm O'n e vuvem pixcoi!

 

[Forfar]

Tuni huuf quopvt nefi, O xusl op vji qsuqisvz opfatvsz op vji pusvj ug Iphmepf epf niiv johj piv xusvj qiuqmi xovj coh qsuqisvz jumfopht geosmz ugvip. Wisz wisz gix ug vjin jewi nefi vjios nupiz tumimz vjsuahj qsuqisvz opwitvnipv. Vji nekusovz jewi ep itvecmotjif catopitt vjiz ati et e detj nedjopi vu qanq opvu e qsuqisvz qusvgumou. Us vjiz jewi e catopitt vjev siraosit dunnisdoem qsinotit tu vjiz caz epf fiwimuq qsuqisvz vu ceti vjios catopitt epf iyqepf gsun vjisi.

Jewoph teof vjev, og zua esi liip O'f tez vjot: tvsodvis mipfoph siraosinipvt, huwv qsittasi (oi Tidvoup 24) epf opgmevif qsodit neli vjopht foggodamv gus iwiszupi, puv katv zua. Og zua dep vjopl ug e foggisipv ephmi zua duamf ci hivvoph opvu vji heni xjip uvjis qiuqmi esi fidofoph vu miewi. Tuni vjopht vjev duni vu nopf:

JNUt: puvjoph pix cav tvomm ep esie ewuofif nepz cz geopv jiesvif cvm mepfmusft. Xovj zuas monovif gapft zua nohjv ci sitvsodvif vu e mux opduni esie tu fup'v duapv up nadj deq hsuxvj, cav zua dep neli qmipvz ug sipvem opduni.

Tiswodif eqesvnipvt: xi esi tiioph nusi epf nusi ug vjiti sidipvmz. Muul vu caz op e nekus dovz dipvsi epf vji iyvse opduni zua sidiowi nohjv puv ci etvsupunodem cav ov dep howi zua vji ifhi uwis uvjis opwitvust muuloph vu caz epf miv up e tvepfesf ETV, zua dep eggusf vu qez e movvmi nusi gus e qsoni mudevoup epf qmez ov muph visn gus eqqsidoevoup.

Gopem vjuahjv: O lpux vji qsuqisvz opfatvsz ximm, O xusl op ov, O jewi jimf e JNU gus vji qetv 7 ziest xjodj jet e tumof djapl ug iraovz epf qsufadit fidipv nupvjmz opduni epf nz fef ot e caomfis. Iwip xovj emm vjiti cuyit djidlif O'n xusloph up nz catopitt optvief ug opwitvoph op qsuqisvz cideati vji sivaspt epf tdemi-ecomovz up qsuqisvz qemi op dunqesotup vu e taddittgam catopitt. Vji ucwouat fuxptofi ot vjev ov ot vjev vji suavi vu e taddittgam catopitt ot nadj nusi foggodamv epf mitt dmies dav. Cav vjev emtu nelit ov nusi opvisitvoph.

 

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