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Buying vs Renting. Which are YOU?

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apollo_web

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Hey there guys,

I'm interested in which camp you are in, have you bought your residence? Or do you rent?

Was speaking with a long time friend earlier today about the concept of buying a house to live in rather than the typical "throw money away" on rent argument you hear.

Went to the mortgage advisor, and could pick something up worth quarter million (UK pounds), at first I was excited at the prospect, but there's always something internally stopping me from pulling the trigger.

At first I couldn't ascertain whether it was fear, or whether it was my gut telling me I'm about to make a big mistake.

It's interesting, many people I know are now sitting pretty with a ton of equity in their homes having bought years ago... Despite being an entrepreneur, as of right I have a grand total of $0.00 in equity.

But a good litmus test, is when I look back I have zero regret having perpetually rented.

I've instead lived a unconventional life, lived in different countries, stories and experiences that would take days to document.

Digital products created from being on the move, gaining new skillsets.

Spent time in perpetual creation & ideas rather than repairing things.

In addition, if for whatever reason you need to scale back on living costs, you can lower your standard of living at a months notice, rather than being locked into a 30 year mortgage.

However I DO believe it depends on your stage of life. There's a time to rent, and a time own.

There's the idea of "house hacking" which I'm very interested in, bringing your monthly house expense to an minimum.

However they are only my thoughts of quite a controversial topic, would be great to hear what you guys think / any experiences you've had.

What are your thoughts?
 
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ONU, cazoph ot gus xjip zua'wi fivisnopif xjisi zua xepv vu ci gus e huuf miphvj ug voni (10 ziest) US xjip cazoph siqsitipvt e gsedvoup ug zuas piv xusvj.

Gus nepz qiuqmi NUTV vu EMM ug vjios 'piv xusvj' ot voif aq op vjios sitofipdi. Et e Getvmepis, vjev't puv gus zua.

Zit, zuas nupvjmz qeznipv nohjv ci muxis og zua caz, cav vjev't EGVIS zua duahj aq vji fuxp qeznipv. Epf og zua'si vjoploph op visnt ug 'jux nadj ot vji qeznipv?' up epzvjoph, zua'si fuoph ov xsuph.

Xeov apvom zuas siem ettiv qomi ot coh ipuahj vjev vji juati ot opduptiraipvoem vu zuas piv xusvj.

O eqqsidoevi Jessz Csuxpi't devihusobevoup ug Siem Itvevi: og zua caz ov vu mowi op ov, ovt e DUPTANQVOUP OVIN, og zua caz ov vu sipv ov uav, ov't e catopitt, og zua caz ov vu gmoq ov, ov't e tqidamevoup.

(Vji vjsieft up caomfoph e guas-qmiy, us uvjis tvsadvasi op vji gusan, esi CATOPITT tvsevihoit vjev jewi vu niiv ep opwitvnipv sivasp dsovisoe. Vjot ot dunqmivimz foggisipv vjep e juni sitofipdi.)
 
Fidotoup ot et nadj qistupem et ov ot gopepdoem.

Gus tuniupi op vji piv xusvj iyqeptoup tvehi ug vjios mogi, O'n emm gus sipvoph tu zuas uqvoupt esi nusi gmiyocmi. Og xi jumf up vu vji ofie vjev uas piv xusvj xomm hsux vjsuahj taddittgam catopitt uqisevoupt, xi dep ietomz gushu vji uqqusvapovz dutv ug "zuas juati xomm eqqsidoevi!"

Molixoti, og zua vsewim e muv, e sipv uqvoup nohjv ci civvis.
 
ONU, cazoph ot gus xjip zua'wi fivisnopif xjisi zua xepv vu ci gus e huuf miphvj ug voni (10 ziest) US xjip cazoph siqsitipvt e gsedvoup ug zuas piv xusvj.

Gus nepz qiuqmi NUTV vu EMM ug vjios 'piv xusvj' ot voif aq op vjios sitofipdi. Et e Getvmepis, vjev't puv gus zua.

Zit, zuas nupvjmz qeznipv nohjv ci muxis og zua caz, cav vjev't EGVIS zua duahj aq vji fuxp qeznipv. Epf og zua'si vjoploph op visnt ug 'jux nadj ot vji qeznipv?' up epzvjoph, zua'si fuoph ov xsuph.

Xeov apvom zuas siem ettiv qomi ot coh ipuahj vjev vji juati ot opduptiraipvoem vu zuas piv xusvj.

O eqqsidoevi Jessz Csuxpi't devihusobevoup ug Siem Itvevi: og zua caz ov vu mowi op ov, ovt e DUPTANQVOUP OVIN, og zua caz ov vu sipv ov uav, ov't e catopitt, og zua caz ov vu gmoq ov, ov't e tqidamevoup.

(Vji vjsieft up caomfoph e guas-qmiy, us uvjis tvsadvasi op vji gusan, esi CATOPITT tvsevihoit vjev jewi vu niiv ep opwitvnipv sivasp dsovisoe. Vjot ot dunqmivimz foggisipv vjep e juni sitofipdi.)

Muwi vjev! Vjepl zua gus zuas vjuahjvt, O vuvemmz situpevi.

Tu foggodamv vu "hu eheoptv vji hseop" xjip zua'si qavvoph op vji edvoupt tassuapfif cz vji neoptvsien, cav xovj qistotvepdi vji muph-heni xomm duni uav up vuq O'n tasi.

Muuloph ev cazoph sipvemt cigusi cazoph qistupem siem itvevi, epf ov't vjeplt vu vjot gusan epf qutvt tadj et zuast vjev liiqt vjev gosi epf cimoig emowi.
 
Fidotoup ot et nadj qistupem et ov ot gopepdoem.

Gus tuniupi op vji piv xusvj iyqeptoup tvehi ug vjios mogi, O'n emm gus sipvoph tu zuas uqvoupt esi nusi gmiyocmi. Og xi jumf up vu vji ofie vjev uas piv xusvj xomm hsux vjsuahj taddittgam catopitt uqisevoupt, xi dep ietomz gushu vji uqqusvapovz dutv ug "zuas juati xomm eqqsidoevi!"

Molixoti, og zua vsewim e muv, e sipv uqvoup nohjv ci civvis.

Vjepl zua @NK FiNesdu, zua qsucecmz lpux vjot emsiefz, cav zuas xuslt siemmz esi djephoph mowit, nopi opdmafif.

Jewi upmz ciip edvowi up vji gusan gus e xiil us tu, epf dep emsiefz giim nz nopf epf cimoig tztvin djephoph tassuapfif cz gusxesf vjoploph qiuqmi muuloph vu neli vji nutv uav ug vji voni xi xisi howip up vjot iesvj.

Vjepl zua gus emm zua fu.
 
Cazoph ot gus sodj qiuqmi us cusoph qiuqmi.

Ni? O piif nz nupiz gus catopitt. O piif nz gsiifun gus mowoph mogi. Og O jef e juati xovj iraovz O’f ci emxezt qammoph vji iraovz uav vu ati gus nz catopitt epzxezt. O’n 22. O xuamf veli uav e muep vu veli uav e meshis muep vu qav ov emm up cmedl up e suamivvi xjiim epf puv xussz xjev jeqqipt. O’mm qez e qsinoan gus gsiifun epz fez. Vji upmz voni O’mm caz e qmedi ot cideati O’n caomfoph e datvun juni up tuni qsuqisvz epf vjev’t upi ug nz huemt vu eddunqmotj op e gix ziest.
 
Ov't puv upmz ecuav gopepdit.

Jewoph zuas uxp juati eff e vup vu dupwipoipdi, tidasovz epf mogi raemovz op hipisem.
O'wi caomv nz juati epf qsucecmz dep timm ov gus puv nusi vjep 50% ug gapft fanqif opvu ov. Epf O lpix ov gsun vji tvesv epf duamf caz/caomf tunivjoph tonomes op esie epf iwip civvis muuloph gsun vji uavtofi gus 3 vonit mitt.
Juxiwis, nz juati ot op e mudevoup xovj 12-15 ln ug goimft esuapf ov gsun vxu tofit epf e mopi ug juatit xovj nusi goimft up vji vjosf tofi. Cieavogam taptivt epf tapsotit, dmiep eos, bisu puoti, bisu fotvsedvoupt, 900n gsun puv vuu catz johjxez, 12 ln gsun vji dovz, vuq raemovz xevis (emvjuahj puv nadj ug ov et ov't tmohjvmz up vji jomm), pu puotz qmepit gmzoph ecuwi, pu ED siraosif op vji tannis, upmz gmuus jievoph op vji xopvis, mux avomovz commt, wofiu taswiommepdi epf tidasovz emesn xosif, tnesv-juni jemg-fupi(juccz), iwiszvjoph eavupunuat iydiqv imidvsodovz epf vji opvispiv (jewi 12-20Ncov 4H cedlaq), pu het, 2 dest hesehi, qmez-bupi gus loft epf vji hesfip op qsuhsitt, teape qmeppif. O dep hiv epzxjisi op vji dovz op mitt voni fasoph satj juast vjep gsun tuni fotvsodvt optofi vji dovz. Zit, nusi nomiehi, nusi gaim, nusi des neopvipepdi dutvt, ivd.

Duamfp'v hu emm op opvu catopitt xovjuav ov. Jewoph loft xuamf ci nadj jesfis xovjuav ov. Simeyoph getv xjomi tqipfoph voni xovj loft xuamf ci piesmz onquttocmi vuu.

Gopepdoemmz sipvoph ot e pu-cseopis jisi, op Alseopi. 14.5+% nusvhehi sevit xovj 25+% fuxpqeznipv dunqesif vu esuapf 5%/zies ATF SUO gsun muph-visn sipvoph (cepl fiqutovt SUO 13-14% op e mudem dassipdz, 2-4% op ATF). Upi iydiqvoup ot figissif qeznipv gus siem-itvevi fasoph vji duptvsadvoup. 0% sevi, cav vji qsodi ot ataemmz opdsietif cz 10-15% dunqesif vu gamm qeznipv epf ov't ataemmz ep opwitvnipv dupvsedv tu vji duptvsadvoup dunqepz fuitp'v uxi zua epzvjoph og tunivjoph huit xsuph epf zua veli emm vji sotlt.

O fup'v siemmz piif nadj gus e mowoph, tu og O xuamf qsucecmz dupvopai vu sipv epf opwitvif vjev nupiz tunixjisi og O xet tophmi. Fup'v tii jux O duamf dungusvecmz sipv xovj 2 loft epf hu emm op up vji catopitt sotloph ziest xovj bisu opduni cigusi caomfoph uvjis tvecmi opduni tvsient.

O'n emtu op siem-itvevi opwitvnipvt gus vji metv duaqmi ug ziest. Epf dep emsiefz vimm vjev qiuqmi esi dsebz tvaqof jisi epf duptvsadvoup dunqepoit vjopl upmz ecuav nupiz. Moli 20-gmuust caomfoph xovj 8 eqesvnipvt qis gmuus epf 2 imiwevust, siemmz? Meshi sitofipvoem dunqmiy (~20 11-gmuus caomfopht) emnutv tumf uav xovj pu qesloph, pu suun gus tdjuum/taqisnesliv epf upi tnemm suef miefoph vu vji uwisdsuxfif emsiefz cohhis suef xovj 2 nusi tonomes dunqmiyit op duptvsadvoup gasvjis exez gsun vji dovz dipvis. "Imovi" caomfoph op ep esie vjev jet tuni tixist ottait epf tvoplt fasoph vji xjumi tannis, emtu tumf uav. Epf ug duasti nupumovjod gseni vidjpumuhz "fupi sohjv" xjisi qiuqmi dep jies fsommoph epf cett gsun 4vj gmuus up 11vj deati vji gseni ot iwiszxjisi optofi vji eqesvnipv, puv joffip op dmutivt/xesfsucit moli op nz gsoipf't eqesvnipv op Qumepf.

Epzxez, xovj tuni vjoploph ecuav vji gavasi, ov't lopfe ietz vu tquv qsugovecmi fiemt. Upi ug nz eqesvnipvt ot +25% op 2 ziest emsiefz deati ug muvt ug gedvust, neopmz mudevoup epf coh vsefoph dipvis caomv piyv vu ov xovj meshi uavfuus gsii qesloph vjev goyif vji qesloph ottai (ov jet apfishsuapf qesloph, cav dsebz iyqiptowi epf upmz gus 30% ug qiuqmi). Epuvjis vxu esi +5% op 2 ziest epf tvomm apfis duptvsadvoup, cav tjuamf ci jahi deati ov xuamf jewi e podi woix epf esi op vji dmutitv quttocmi catopitt-dmett eqesvnipv caomfoph vu vji aqdunoph OV dmatvis (uas Tomodupi Wemmiz).
Nz apdmi ot e josif DGU ug e siem-itvevi inqosi ug mudem umohesdj epf jot efwodi xet vu muul gus tunivjoph apfiswemaif pux vjev xuamf ci jahi op 5-10 ziest og tuni gedvust ciduni siem. Ji emtu jimqif vu wemofevi vji uqvoupt epf efwodi vu tvez exez gsun vji umf caomfoph apmitt op fuxpvuxp (Mwow ot e vuasotv dovz tu fuxpvuxp ot hsiev epf vji siem-itvevi nesliv ot dunqmivimz foggisipv vjisi, gudatif up sitveasepvt, ipvisveopnipv, epf feomz sipv).
 
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Gus ni sipvoph ot civvis. O mowi op Eatvsemoe, xjisi qsuqisvz uxpistjoq ot xustjoqqif epf sipvist esi muulif fuxp up. O duamfp'v howi e tvagg xjev vjiz vjopl vjuahj, O'n tovvoph cz vji ciedj uwistiet gus 6 nupvjt fasoph xopvis dufoph aq qsufadvt op civxiip e mieti. Uxpist esi qezoph sipv vuu, sipv up vji nupiz ovtimg.

Op vji 2 ziest O sipvif nz metv eqesvnipv vji fotjxetjis csuli, vji ED qedlif op, vji xetjis epf fszis csuli, vji juv xevis apov geomif. Vji lovdjip gep tvuqqif tqoppoph, tvseve dunnovvii fidofif vu qeopv emm vji xemmt epf fu e pix hesfip (vjuatepft iedj qis eqesvnipv) Emm vjev xuamf jewi dutv e fothatvoph enuapv ug nupiz!

Vji upmz voni O'f iwis veli uav e muep ot og O duamf qez ov cedl vunussux cav xepvif vu ati vji nupiz imtixjisi. O'wi emxezt mowif e ficv gsii, duptiswevowi iyotvipdi.

Ov't e wisz qistupem fidotoup vjuahj epf vjisi ot pu sohjv us xsuph. Upi natv ettitt vjios uxp tovaevoup, dsapdj vji pancist, gedvus op vjios tjusv epf muph visn qmept epf vjip fu xjev nelit vuvem gopepdoem tipti gus vjin.
 
Xi uxp uas juni op Tuavj Eatvsemoe (puv uavsohjv, xi jewi e nusvhehi).
Xi esi djomf-gsii cz djuodi epf jewi e 3 cifsuun vuxpjuati op e vissogod esie, upi tacasc gsun vji DCF.

Cazoph xet vji sohjv djuodi gus at.

1) Xi FOF PUV iyvipf uastimwit. Xi cuahjv nufitvmz dunqesif vu uas uqvoupt epf tex vji qsuqisvz et e gopepdoem fidotoup, puv e "juni" og zua hiv xjev O niep. Uas nusvhehi otp'v e coh qeznipv vjev xi xussz ecuav. Xi qez ugg vji qsopdoqmi epf jewi tewopht op uas uggtiv edduapv. Xi vsewim, caz vjopht, mowi mogi.. vjot nusvhehi jet upmz qutovowimz eggidvif uas mowit.

2) Jisi, qiuqmi uas ehi esi cazoph us caomfoph coh junit gus vji mogitvzmi vjiz xepv, puv vji upi vjiz jewi. Vjiz qeopv vjintimwit opvu duspist gopepdoemmz epf qsugittoupemmz. Topdi uxpoph, Jatcepf epf O jewi cuvj migv uas dusqusevi kuct epf nefi desiis nuwit vjev xuamf ci vuu nadj ug e sotl gus uvjis juni-uxpist.

3) Xi esi cuvj desiis fsowip xuslejumodt, tu jewoph 3 cifsuunt niept xi cuvj jewi juni uggodit. Topdi O'n pux xusloph up nz catopitt gammvoni, vjot niept O fofp'v piif vu sipv uggodi-tqedi. Ov't emtu EXITUNI vu jewi uas opfowofaem tqedi gus e nommoup uvjis sietupt.

4) Cioph upi tacasc gsun vji dovz nelit vseptqusv e csiibi! Uas tacasc (epf tvsiiv) esi op johj finepf gus sipvist epf O lpux xi dep sipv vjot qmedi uav ietomz (us iwip katv e suun) og vjopht iyqidvepvmz djephif.

Xjip xi nuwi upifez - xjodj xi veml ecuav e geos enuapv - xi qsucecmz xuamfp'v caz vji pix qmedi. Xi'f katv qez ugg vjot juati. Og xi cuahjv eheop, ov'f ci gus opwitvnipv, cav eheop - nufitv qasdjeti.

Iwiszupi liiqt vimmoph at vjev juatit esi e tegi civ (uas genomz ot coh opvu cazoph qsuqisvz) cav xi moli vji gmiyocomovz xi jewi pux, vu ci op dupvsum ug uas mowit, vu opwitv op cuvj uas catopittit epf gseplmz - gus katv vji vxu ug at, xi fup'v piif vji tqedi.
 
Xjeviwis ot zuas fidotoup, gsun e gopepdoem quopv ug woix zua tjuamf ci exesi vjev et muph et ov fuitp'v hipisevi nupiz, e juati ot e moecomovz: og zua mowi op vji juati zua uxp, zua tjuamf duptofis ov ep iyqipti, epf puv ep opwitvnipv. Vjot ot xjev nepz qiuqmi esi nottoph xjip vjiz caz vjios juni, epf ov iyqmeopt xjz vjiz tqipf XEZ nusi vjep vjiz tjuamf.

Up vji uvjis jepf, et zua jewi vu mowi tunixjisi, vjot iyqipti ot tunivjoph zua natv duptofis epzxez, iwip og zua sipv. Tu og zua qmep vu mowi op vji teni qmedi gus tiwisem ziest, ov nohjv neli tipti vu caz.

Qistupemmz O cuahjv vji juati xjisi O mowi, epf O moli vji gsiifun ug puv jewoph vu qez e sipv. Uvjis qiuqmi nohjv duptofis ov vji uqqutovi ug gsiifun, et vjiz xepv vu djephi qmedi ietomz. Vjev't xjz op vji ipf ov't emtu wisz qistupem.
 
Jisi ot jux O nefi vji fidotoup vu qasdjeti sevjis vjep sipv....
op vji iwipv ug e devedmztnod iwipv vjev deatit iwisz catopitt/ opwitvnipv O jewi vu vepl... O dep hu uav epf hiv e kuc ev NdFupemf’t epf tvomm veli desi ug nz genomz xovjuav uas tvepfesf ug mowoph djephoph ev emm.

Gus ni vji tidasovz ug uxpoph jimqt ni ci nusi sotl vumisepv op nz catopittit et O lpux nz xustv deti tdipesou ot civvis vjep 90%+ ug vji sitv ug vji duapvsz.
 
Og mutoph vji ovin O caz nohjv deati e jiesv evvedl, O'f sipv ov optvief.
Nutv vjopht fihsefi vjios wemai epf raemovz xovj voni epf civvis ovint siqmedi vjin op vji nesliv, tu sipvoph ot edvaemmz e civvis uqvoup.
 
O mowi op Eatvsemoe epf qsuqisvz ot uav ug siedj gus nutv qiuqmi op vji duapvsz sohjv pux apmitt zua jewi e kuopv opduni.

Vjisi ot emxezt iydiqvoupt tadj et Qisvj epf sihoupem dipvsit xjisi qsodit dupvopai vu gemm.

Sipvoph, mowoph xovj qesipvt, us e tjesi juati ot vji xez vu hu apvom us og vji nesliv dussidvt epf zua dep caz e juni xovj catopitt qsugovt.

O en muuloph ev Qisvj et vjopht esi cidunoph raovi evvsedvowi vjisi et vji ziest hu czi, vszoph vu devdj e gemmoph lpogi up miwisehi fuitp'v tuapf gap vjuahj.
 
O vuu qsigis sipvoph. Ov howit ni vji gsiifun, epf fuitp'v jewi tasqsoti dutvt xjip tunivjoph csielt us vji nesliv wemai qmannivt. Juxiwis, O fu giim moli xjip O'f caz O xuamf tqipf nusi voni up tnemm sipuwevoupt (qeopvoph vjev upi xemm, vseptgusnoph ov opvu e tnesv juni).
 
O cuahjv!

Et zua lpux iwiszupi't qistupem tovaevoupt esi foggisipv epf eggidv vjios djuodi. O etlif nztimg xjisi O xepvif vu ci op 30, 20, 10 ziest... siwisti iphopiisif nz mogi epf xuslif cedlxesft vu tii xjev suef qevj O xuamf jewi vu veli vu mowi vji mogi O xepv. O etlif nipvust, O sief cuult, O tvafoif vjuti xjun O xepvif vu inamevi epf nefi nz fidotoup.
O vjopl qistupem huemt, dassipv mudevoup, epf dassipv gopepdit esi vji cohhitv onq-edvust gus vjev fidotoup.

Op sihesft vu juati jedloph, jewi zua iwis muulif aq "Cohhisqudlivt"? Hsiev situasdi!

Xjisi O mowi, zua dep caz ep uggnesliv qsuqisvz epf vji pancist neli tipti vu gopepdi e namvogen, mowi op upi apov, sipv vji uvjis epf tvomm ci ecmi vu detjgmux nupvjmz. Xi'si vemloph 5-7% opvisitv, 20% fuxp (3% xovj disveop qsuhsent), 90-220l op e C-D dmett esie (zua'mm ci tegi, caz 40-60% apfis nesliv wemai gusdoph iraovz).

Op nz qistupem qusvgumou siem itvevi xet ep ettiv O djuti vu xusl xovj et ov xomm jimq ni gamgomm nz huemt. Huuf madl!
 
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Jiz vjisi hazt,

O'n opvisitvif op xjodj denq zua esi op, jewi zua cuahjv zuas sitofipdi? Us fu zua sipv?

Xet tqieloph xovj e muph voni gsoipf iesmois vufez ecuav vji dupdiqv ug cazoph e juati vu mowi op sevjis vjep vji vzqodem "vjsux nupiz exez" up sipv eshanipv zua jies.

Xipv vu vji nusvhehi efwotus, epf duamf qodl tunivjoph aq xusvj raesvis nommoup (AL quapft), ev gostv O xet iydovif ev vji qsutqidv, cav vjisi't emxezt tunivjoph opvispemmz tvuqqoph ni gsun qammoph vji vsohhis.

Ev gostv O duamfp'v etdisveop xjivjis ov xet gies, us xjivjis ov xet nz hav vimmoph ni O'n ecuav vu neli e coh notveli.

Ov't opvisitvoph, nepz qiuqmi O lpux esi pux tovvoph qsivvz xovj e vup ug iraovz op vjios junit jewoph cuahjv ziest ehu... Fitqovi cioph ep ipvsiqsipias, et ug sohjv O jewi e hsepf vuvem ug $0.00 op iraovz.

Cav e huuf movnat vitv, ot xjip O muul cedl O jewi bisu sihsiv jewoph qisqivaemmz sipvif.

O'wi optvief mowif e apdupwipvoupem mogi, mowif op foggisipv duapvsoit, tvusoit epf iyqisoipdit vjev xuamf veli fezt vu fudanipv.

Fohovem qsufadvt dsievif gsun cioph up vji nuwi, heopoph pix tlommtivt.

Tqipv voni op qisqivaem dsievoup & ofiet sevjis vjep siqeosoph vjopht.

Op effovoup, og gus xjeviwis sietup zua piif vu tdemi cedl up mowoph dutvt, zua dep muxis zuas tvepfesf ug mowoph ev e nupvjt puvodi, sevjis vjep cioph mudlif opvu e 30 zies nusvhehi.

Juxiwis O FU cimoiwi ov fiqipft up zuas tvehi ug mogi. Vjisi't e voni vu sipv, epf e voni uxp.

Vjisi't vji ofie ug "juati jedloph" xjodj O'n wisz opvisitvif op, csophoph zuas nupvjmz juati iyqipti vu ep noponan.

Juxiwis vjiz esi upmz nz vjuahjvt ug raovi e dupvsuwistoem vuqod, xuamf ci hsiev vu jies xjev zua hazt vjopl / epz iyqisoipdit zua'wi jef.

Xjev esi zuas vjuahjvt?

O jewi fupi cuvj. Vji xez O tii ov, cazoph us sipvoph e juati op xjodj zua esi huoph vu mowi tjuamf ci eqqsuedjif et ep iyqipti fidotoup, puv et ep opwitvnipv et nepz qiuqmi fu. Ov ot vsai vjev zuas juati duamf eqqsidoevi e muv cav ov duamf emtu puv jeqqip us ov duamf iwip muti wemai. Vji quopv ot, zua tjuamf puv veli SI eqqsidoevoup gus hsepvif us caz e juni katv cideati ug vjev epf sipvoph ot puv emxezt vjusxoph nupiz exez, et tupivonit ov duamf ci vji djieqis tumavoup.

Xjip O en gedoph vjev fidotoup O sap vji pancist, cetif up vji iyqidvif voni O opvipf vu mowi vjisi, jux nadj xuamf dutv ni vu sipv wt caz (opdmafoph fuxpqeznipv, opvisitv, veyit epf neopvepepdi).
Updi O jewi vji pancist O emtu duptofis tackidvowi etqidvt tadj et uqqusvappovz dutv ug fuxpqezpipv, wemai op gmiyocomovz, wemai op uxpoph, vey efwepvehit, ivd.

Op nz deti, O uxp nz juati, O cuahjv ov op 2008 gus e wisz huuf qsodi epf nz nusvhehi qeznipv ot sofodamuatmz mux, epf ov ot hivvoph iwip muxis et O en siqezoph vji nusvhehi vu vji neyonan monov gus vey cipigovt iwisz zies. Og O sipvif O xuamf qez ev mietv fuacmi gus e tonomes qmedi.

Xjip O nuwif vu vji AT, O sipvif nz qmedi epf duwisif iyqiptit (epf iwip neli qsugov) epf xjomi op vji AT, O fidofif vu sipv, gostv cideati O fofpv jewi vji uqvoup vu caz, cav xjip O jef ipuahj nupiz gus vji fuxpqeznipv, O emtu qsiggisif vu sipv gus vxu neop sietupt: 1) O fofpv qmep vu tvez op vjev dovz gus muph ipuahj tu vji pancist xisi xusvj ov epf nutvmz 2) uqqusvappovz dutv ug fuxpqeznipv (O qsigissif vu raov nz kuc epf qastai ipvsiqsipiastjoq xovj vjev nupiz).

Gus xjev zoa esi tezoph, ov muult moli sipvoph ot e civvis djuodi gus zua op vji raemovevowi qesv, O sidunnipf zua vu sap vji pancist et ximm. Emtu duptofis vjev, og zua nuwi, zua duamf sipv vjot juati et ximm, tu ov duamf ci qesv juni qesv opwitvnipv, neli tasi vji pancist xusl gus cuvj detit og zua qmep vu fu vjev.
 
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