English Conversation Practice (Rent or buy a house?) Improve English Speaking Skills

46,343 views ãƒģ 2024-05-21

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āĻ­āĻŋāĻĄāĻŋāĻ“āϟāĻŋ āϚāĻžāϞāĻžāύ⧋āϰ āϜāĻ¨ā§āϝ āĻ…āύ⧁āĻ—ā§āϰāĻš āĻ•āϰ⧇ āύāĻŋāĻšā§‡āϰ āχāĻ‚āϰ⧇āϜāĻŋ āϏāĻžāĻŦāϟāĻžāχāĻŸā§‡āϞ⧇ āĻĄāĻžāĻŦāϞ-āĻ•ā§āϞāĻŋāĻ• āĻ•āϰ⧁āύāĨ¤

00:01
hello Felipe I'm happy you  came come in take a seat
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āĻšā§āϝāĻžāϞ⧋
00:07
please hello Richard wow it's the first  time I come to your apartment I like it  
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āĻĢ⧇āϞāĻŋāĻĒ āφāĻŽāĻŋ āϖ⧁āĻļāĻŋ āϝ⧇
00:21
thank you it is next to the beach  we can go there later if you want
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āϤ⧁āĻŽāĻŋ āĻāϏ⧇
00:31
yeah sure but I need to ask you  something how much does this apartment
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āĻŦāϏ āφāĻĒāύāĻžāϕ⧇ āĻ•āĻŋāϛ⧁ āϜāĻŋāĻœā§āĻžāĻžāϏāĻž āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āĻāχ āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋāϰ āĻĻāĻžāĻŽ āĻ•āϤ
00:37
cost I would really like to buy an apartment  like this it must be really expensive
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āφāĻŽāĻŋ āϏāĻ¤ā§āϝāĻŋāχ āĻāχāϰāĻ•āĻŽ āĻāĻ•āϟāĻŋ āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟ āĻ•āĻŋāύāϤ⧇ āϚāĻžāχ āĻāϟāĻŋ āϏāĻ¤ā§āϝāĻŋāχ āĻŦā§āϝāϝāĻŧāĻŦāĻšā§āϞ
00:47
right I don't know I think it's  $200,000 or something like that  
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āĻ āĻŋāĻ• āφāĻŽāĻŋ āϜāĻžāύāĻŋ āύāĻž āφāĻŽāĻžāϰ āĻŽāύ⧇ āĻšāϝāĻŧ āĻāϟāĻŋ $200,000 āĻŦāĻž āĻāϰāĻ•āĻŽ āĻ•āĻŋāϛ⧁
01:00
I am not the owner I just rent this apartment  I don't know the price but yeah I suppose  
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āφāĻŽāĻŋ āĻŽāĻžāϞāĻŋāĻ• āύāχ āφāĻŽāĻŋ āĻāχ āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āĻĻāĻŋāϝāĻŧ⧇āĻ›āĻŋ āĻĻāĻžāĻŽ āϜāĻžāύāĻŋ āύāĻž āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻšā§āϝāĻžāρ āφāĻŽāĻŋ āĻŽāύ⧇ āĻ•āϰāĻŋ
01:07
it's expensive seriously I can't believe  you and how much do you pay to rent this
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āĻāϟāĻž āϖ⧁āĻŦāχ āĻŦā§āϝāϝāĻŧāĻŦāĻšā§āϞ āφāĻŽāĻŋ āφāĻĒāύāĻžāϕ⧇ āĻŦāĻŋāĻļā§āĻŦāĻžāϏ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻ›āĻŋ āύāĻž āĻāĻŦāĻ‚ āφāĻĒāύāĻŋ āĻāχ
01:16
apartment $1,000 approximately  comes with garage and
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āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āĻĻāĻŋāϤ⧇ āĻ•āϤ āϟāĻžāĻ•āĻž āĻĻ⧇āĻŦ⧇āύ $1,000 āφāύ⧁āĻŽāĻžāύāĻŋāĻ• āĻ—ā§āϝāĻžāϰ⧇āϜ āĻāĻŦāĻ‚
01:26
storage one $1,000 M that's not cheap well for
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āĻ¸ā§āĻŸā§‹āϰ⧇āϜ āϏāĻš $1,000 M āϝāĻž
01:35
me with that amount of money why  don't you better buy this or other
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āĻāχ āĻĒāϰāĻŋāĻŽāĻžāĻŖ āĻ…āĻ°ā§āĻĨ⧇āϰ āϏāĻžāĻĨ⧇ āφāĻŽāĻžāϰ āϜāĻ¨ā§āϝ āϏāĻ¸ā§āϤāĻž āύāϝāĻŧ āφāĻĒāύāĻŋ āϕ⧇āύ āĻāχ āĻŦāĻž āĻ…āĻ¨ā§āϝ āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋ āĻ•āĻŋāύāĻŦ⧇āύ āύāĻž,
01:45
apartment I mean isn't it better to buy  your own house why are you renting this
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āφāĻŽāĻŋ āĻŦāϞāϤ⧇ āϚāĻžāĻšā§āĻ›āĻŋ āϝ⧇ āφāĻĒāύāĻžāϰ āύāĻŋāĻœā§‡āϰ āĻŦāĻžāĻĄāĻŧāĻŋ āϕ⧇āύāĻž āĻ­āĻžāϞ⧋ āύāϝāĻŧ āϕ⧇āύ āφāĻĒāύāĻŋ āĻāχ
01:55
apartment that's how I also thought in the past  but then I understood that it's not better to
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āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āύāĻŋāĻšā§āϛ⧇āύ āφāĻŽāĻŋāĻ“ āĻ…āϤ⧀āϤ⧇ āĻāĻ­āĻžāĻŦ⧇āχ āϭ⧇āĻŦ⧇āĻ›āĻŋāϞāĻžāĻŽ āĻ•āĻŋāĻ¨ā§āϤ⧁ āϤāĻžāϰāĻĒāϰ⧇ āφāĻŽāĻŋ āĻŦ⧁āĻāϤ⧇ āĻĒ⧇āϰ⧇āĻ›āĻŋāϞāĻžāĻŽ āϝ⧇ āĻāϟāĻŋ
02:06
buy I prefer to rent that's much better  in my opinion in my case it suits me
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āϕ⧇āύāĻž āĻ­āĻžāϞ āύāϝāĻŧ āφāĻŽāĻŋ āĻĒāĻ›āĻ¨ā§āĻĻ āĻ•āϰāĻŋ āĻ­āĻžāĻĄāĻŧāĻžāϟāĻž āφāĻŽāĻžāϰ āĻŽāϤ⧇ āĻ…āύ⧇āĻ• āĻ­āĻžāϞ⧋ āφāĻŽāĻžāϰ āĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āĻāϟāĻž āφāĻŽāĻžāϰ āϜāĻ¨ā§āϝ
02:16
better now I don't think so with money  you can be paying for a house your own
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āĻ­āĻžāϞ⧋ āϞāĻžāϗ⧇ āĻāĻ–āύ āφāĻŽāĻŋ āĻŽāύ⧇ āĻ•āϰāĻŋ āύāĻž āϝ⧇ āϟāĻžāĻ•āĻž āĻĻāĻŋāϝāĻŧ⧇ āφāĻĒāύāĻŋ āφāĻĒāύāĻžāϰ āύāĻŋāĻœā§‡āϰ āĻŦāĻžāĻĄāĻŧāĻŋāϰ āϜāĻ¨ā§āϝ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋāϰ āϜāĻ¨ā§āϝ āĻ…āĻ°ā§āĻĨ āĻĒā§āϰāĻĻāĻžāύ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ
02:25
house how can you say it's better to  rent explain it to me please because  
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āĻ•āĻŋāĻ­āĻžāĻŦ⧇ āφāĻĒāύāĻŋ āĻŦāϞāϤ⧇ āĻĒāĻžāϰ⧇āύ āĻ­āĻžāĻĄāĻŧāĻž āĻĻ⧇āĻ“āϝāĻŧāĻžāϟāĻž āĻ­āĻžāϞ⧋ āφāĻŽāĻžāϕ⧇ āĻŦ⧁āĻāĻŋāϝāĻŧ⧇ āĻŦāϞ⧁āύ āĻ•āĻžāϰāĻŖ
02:35
I don't get it all right for some renting is  considered throwing money away while buying is  
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āφāĻŽāĻŋ āĻ•āϰāĻŋ āύāĻž āĻ•āĻŋāϛ⧁ āĻ­āĻžāĻĄāĻŧāĻžāϰ āϜāĻ¨ā§āϝ āĻāϟāĻŋ āĻ āĻŋāĻ• āύāĻž āĻšāĻ“āϝāĻŧāĻž āĻ…āĻ°ā§āĻĨāϕ⧇ āĻĻā§‚āϰ⧇ āϛ⧁āρāĻĄāĻŧ⧇ āĻĢ⧇āϞāĻž āĻŦāϞ⧇ āĻŽāύ⧇ āĻ•āϰāĻž āĻšāϝāĻŧ āϝāĻ–āύ āϕ⧇āύāĻž
02:45
an investment the truth is the answer to rent  versus buy question is much more complex than
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āĻāĻ•āϟāĻŋ āĻŦāĻŋāύāĻŋāϝāĻŧā§‹āĻ—, āϏāĻ¤ā§āϝ āĻšāϞ āĻ­āĻžāĻĄāĻŧāĻž āĻŦāύāĻžāĻŽ āϕ⧇āύāĻžāϰ āĻĒā§āϰāĻļā§āύ⧇āϰ āωāĻ¤ā§āϤāϰ āĻ…āύ⧇āĻ• āĻŦ⧇āĻļāĻŋ āϜāϟāĻŋāϞ
02:55
that it's more like which size fits  me I will explain it to you as I said  
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āϝ⧇ āĻāϟāĻŋ āϕ⧋āύ āφāĻ•āĻžāϰāϟāĻŋ āφāĻŽāĻžāϰ āϏāĻžāĻĨ⧇ āĻŽāĻžāύāĻžāύāϏāχ, āφāĻŽāĻŋ āφāĻĒāύāĻžāϕ⧇ āĻŦā§āϝāĻžāĻ–ā§āϝāĻž āĻ•āϰāĻŦ āϝ⧇āĻŽāύāϟāĻŋ āφāĻŽāĻŋ āĻŦāϞ⧇āĻ›āĻŋ
03:05
before the biggest myth about renting  is that you're throwing away money every
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āĻ­āĻžāĻĄāĻŧāĻž āύāĻŋāϝāĻŧ⧇ āϏāĻŦāĻšā§‡āϝāĻŧ⧇ āĻŦāĻĄāĻŧ āĻŽāĻŋāĻĨ⧇āϰ āφāϗ⧇ āĻšāϞ āϝ⧇ āφāĻĒāύāĻŋ āĻĒā§āϰāϤāĻŋ āĻŽāĻžāϏ⧇ āϟāĻžāĻ•āĻž āĻĢ⧇āϞ⧇ āĻĻāĻŋāĻšā§āϛ⧇āύ
03:13
month this is not true after all you need a  place to live and that always cost money in one  
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āĻāϟāĻž āϏāĻ¤ā§āϝ āύāϝāĻŧ āφāĻĒāύāĻžāϰ āĻĨāĻžāĻ•āĻžāϰ āϜāĻ¨ā§āϝ āĻāĻ•āϟāĻŋ āϜāĻžāϝāĻŧāĻ—āĻžāϰ āĻĒā§āϰāϝāĻŧā§‹āϜāύ āĻāĻŦāĻ‚ āĻāϟāĻŋ āϏāĻ°ā§āĻŦāĻĻāĻž āϕ⧋āύ⧋
03:25
way or another while it's true that you aren't  building Equity with monthly rent payments not  
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āύāĻž āϕ⧋āύ⧋ āωāĻĒāĻžāϝāĻŧ⧇ āĻ…āĻ°ā§āĻĨ āĻŦā§āϝāϝāĻŧ āĻ•āϰ⧇ āϝāĻ–āύ āĻāϟāĻŋ āϏāĻ¤ā§āϝ āϝ⧇ āφāĻĒāύāĻŋ āĻŽāĻžāϏāĻŋāĻ• āĻĻāĻŋāϝāĻŧ⧇ āχāĻ•ā§āϝ⧁āχāϟāĻŋ āϤ⧈āϰāĻŋ āĻ•āϰāϛ⧇āύ āύāĻž āĻ­āĻžāĻĄāĻŧāĻž āĻĒāϰāĻŋāĻļā§‹āϧ āĻ•āϰāĻž āĻšāϝāĻŧ āύāĻž
03:33
all the cost of home ownership always go toward  building Equity when you rent you know exactly  
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āĻŦāĻžāĻĄāĻŧāĻŋāϰ āĻŽāĻžāϞāĻŋāĻ•āĻžāύāĻžāϰ āϏāĻŽāĻ¸ā§āϤ āĻ–āϰāϚ āϏāĻŦāϏāĻŽāϝāĻŧ āχāĻ•ā§āϝ⧁āχāϟāĻŋ āύāĻŋāĻ°ā§āĻŽāĻžāϪ⧇āϰ āĻĻāĻŋāϕ⧇ āϝāĻžāϝāĻŧ āϝāĻ–āύ āφāĻĒāύāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āύ⧇āύ āφāĻĒāύāĻŋ
03:42
your housing cost each month but one advantage  is no maintenance costs or repair bills that's  
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āĻĒā§āϰāϤāĻŋ āĻŽāĻžāϏ⧇ āφāĻĒāύāĻžāϰ āφāĻŦāĻžāϏāύ⧇āϰ āĻ–āϰāϚ āĻ āĻŋāĻ• āϜāĻžāύ⧇āύ āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻāĻ•āϟāĻŋ āϏ⧁āĻŦāĻŋāϧāĻž āĻšāϞ āϕ⧋āύ āϰāĻ•ā§āώāĻŖāĻžāĻŦ⧇āĻ•ā§āώāĻŖ āĻ–āϰāϚ āĻŦāĻž āĻŽā§‡āϰāĻžāĻŽāϤ⧇āϰ āĻŦāĻŋāϞ āϝāĻž
03:53
excellent one of the benefits of renting a home  is that there are no maintenance cost or repair  
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āϚāĻŽā§ŽāĻ•āĻžāϰ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āύ⧇āĻ“āϝāĻŧāĻžāϰ āϏ⧁āĻŦāĻŋāϧāĻžāϗ⧁āϞāĻŋāϰ āĻŽāĻ§ā§āϝ⧇ āĻāĻ•āϟāĻŋ āĻšāϞ āĻāĻ–āĻžāύ⧇ āϕ⧋āύ āϏ⧁āĻŦāĻŋāϧāĻž āύ⧇āχ āϰāĻ•ā§āώāĻŖāĻžāĻŦ⧇āĻ•ā§āώāϪ⧇āϰ āĻ–āϰāϚ āĻŦāĻž āĻŽā§‡āϰāĻžāĻŽāϤ⧇āϰ
04:03
bills this means that when you rent a property  your landlord assumes full responsibility for  
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āĻŦāĻŋāϞ āĻāϰ āĻŽāĻžāύ⧇ āĻšāϞ āϝ⧇ āφāĻĒāύāĻŋ āϝāĻ–āύ āϕ⧋āύ⧋ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āĻ•āϰ⧇āύ āϤāĻ–āύ āφāĻĒāύāĻžāϰ āĻŦāĻžāĻĄāĻŧāĻŋāĻ“āϝāĻŧāĻžāϞāĻž āϏāĻŽāĻ¸ā§āϤ āϰāĻ•ā§āώāĻŖāĻžāĻŦ⧇āĻ•ā§āώāϪ⧇āϰ āωāĻ¨ā§āύāϤāĻŋ āĻāĻŦāĻ‚ āĻŽā§‡āϰāĻžāĻŽāϤ⧇āϰ āϜāĻ¨ā§āϝ āϏāĻŽā§āĻĒā§‚āĻ°ā§āĻŖ āĻĻāĻžāϝāĻŧāĻŋāĻ¤ā§āĻŦ āĻ—ā§āϰāĻšāĻŖ āĻ•āϰ⧇āύ
04:12
all maintenance Improvement and repairs if an  appliance stops working or your roof starts to
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āϝāĻĻāĻŋ āϕ⧋āύ⧋ āϝāĻ¨ā§āĻ¤ā§āϰ āĻ•āĻžāϜ āĻ•āϰāĻž āĻŦāĻ¨ā§āϧ āĻ•āϰ⧇ āĻĻ⧇āϝāĻŧ āĻŦāĻž āφāĻĒāύāĻžāϰ āĻ›āĻžāĻĻ
04:22
leak you call the landlord who is required to fix  
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āĻĢ⧁āĻŸā§‹ āĻšāϤ⧇ āĻļ⧁āϰ⧁ āĻ•āϰ⧇ āϤāĻžāĻšāϞ⧇ āφāĻĒāύāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋāĻ“āϝāĻŧāĻžāϞāĻžāϕ⧇ āĻ•āϞ āĻ•āϰ⧁āύ āϝāĻŋāύāĻŋ āĻāϟāĻŋ āĻ āĻŋāĻ• āĻ•āϰāϤ⧇ āĻŦāĻž āĻĒā§āϰāϤāĻŋāĻ¸ā§āĻĨāĻžāĻĒāύ āĻ•āϰāϤ⧇ āϚāĻžāύ
04:30
or replace it I like that another Advantage is  no real estate taxes one of the major benefits  
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āφāĻŽāĻŋ āĻāϟāĻž āĻĒāĻ›āĻ¨ā§āĻĻ āĻ•āϰāĻŋ āφāϰ⧇āĻ•āϟāĻŋ āϏ⧁āĻŦāĻŋāϧāĻž āĻšāϞ āϰāĻŋāϝāĻŧ⧇āϞ
04:41
of renting versus owning is that renters  don't have to pay property taxes in some  
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āĻāĻ¸ā§āĻŸā§‡āϟ
04:49
areas the cost associated with property taxes  can amount to thousands of dollars each year  
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āĻŸā§āϝāĻžāĻ•ā§āϏ āύ⧇āχ
04:59
what else oh I know more flexibility as to  where to live renters can live practically
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āϝ⧇āĻ–āĻžāύ⧇ āĻŦāĻžāϏ āĻ•āϰāϤ⧇ āĻšāĻŦ⧇ āϏ⧇ āϏāĻŽā§āĻĒāĻ°ā§āϕ⧇ āύāĻŽāύ⧀āϝāĻŧāϤāĻž āϝ⧇āĻ–āĻžāύ⧇ āĻ­āĻžāĻĄāĻŧāĻžāϟāĻŋāϝāĻŧāĻžāϰāĻž āĻ•āĻžāĻ°ā§āϝāϤ
05:11
anywhere while home owners are restricted  to areas where they can afford to buy  
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āϝ⧇ āϕ⧋āύāĻ“ āϜāĻžāϝāĻŧāĻ—āĻžāϝāĻŧ āĻĨāĻžāĻ•āϤ⧇ āĻĒāĻžāϰ⧇ āϝāĻ–āύ āĻŦāĻžāĻĄāĻŧāĻŋāϰ āĻŽāĻžāϞāĻŋāĻ•āϰāĻž āĻāĻŽāύ āĻāϞāĻžāĻ•āĻžāϝāĻŧ āϏ⧀āĻŽāĻžāĻŦāĻĻā§āϧ āϝ⧇āĻ–āĻžāύ⧇ āϤāĻžāϰāĻž āϕ⧇āύāĻžāϰ āϏāĻžāĻŽāĻ°ā§āĻĨā§āϝ āϰāĻžāĻ–āϤ⧇ āĻĒāĻžāϰ⧇
05:21
that's too bad although rents can be  high in areas where home values are  
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āĻāϟāĻŋ āϖ⧁āĻŦ āĻ–āĻžāϰāĻžāĻĒ āϝāĻĻāĻŋāĻ“ āĻ­āĻžāĻĄāĻŧāĻž āĻŦ⧇āĻļāĻŋ āĻšāϤ⧇ āĻĒāĻžāϰ⧇ āϝ⧇āĻ–āĻžāύ⧇ āĻŦāĻžāĻĄāĻŧāĻŋāϰ āĻŽā§‚āĻ˛ā§āϝāĻ“ āϰāϝāĻŧ⧇āϛ⧇
05:28
also High renters are more apt to to find an  affordable monthly payment than home buyers
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āωāĻšā§āϚ āĻ­āĻžāĻĄāĻŧāĻžāĻŸā§‡āϰāĻž āĻāĻ•āϟāĻŋ āϏāĻžāĻļā§āϰāϝāĻŧā§€ āĻŽāĻžāϏāĻŋāĻ• āϖ⧁āρāĻœā§‡ āĻĒ⧇āϤ⧇ āφāϰāĻ“ āωāĻĒāϝ⧁āĻ•ā§āϤ āĻŦāĻžāĻĄāĻŧāĻŋāϰ āĻ•ā§āϰ⧇āϤāĻžāĻĻ⧇āϰ āϤ⧁āϞāύāĻžāϝāĻŧ āĻ…āĻ°ā§āĻĨāĻĒā§āϰāĻĻāĻžāύ
05:40
seriously also the flexibility to  downsize renters have the option to
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āϗ⧁āϰ⧁āϤāϰāĻ­āĻžāĻŦ⧇ āĻāĻ›āĻžāĻĄāĻŧāĻžāĻ“ āĻ­āĻžāĻĄāĻŧāĻžāĻŸā§‡āĻĻ⧇āϰ
05:50
downsize to more affordable living  spaces at the end of their lease this  
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āϤāĻžāĻĻ⧇āϰ āχāϜāĻžāϰāĻž āĻļ⧇āώ⧇ āφāϰāĻ“ āϏāĻžāĻļā§āϰāϝāĻŧā§€ āĻŽā§‚āĻ˛ā§āϝ⧇āϰ āĻŦāĻžāϏāĻ¸ā§āĻĨāĻžāύ⧇ āφāĻ•āĻžāϰ āĻ•āĻŽāĻžāύ⧋āϰ āĻŦāĻŋāĻ•āĻ˛ā§āĻĒ āϰāϝāĻŧ⧇āϛ⧇ āĻāχ
05:57
kind of flexibility is especially  especially important for people  
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āϧāϰāύ⧇āϰ āύāĻŽāύ⧀āϝāĻŧāϤāĻž āĻŦāĻŋāĻļ⧇āώāϤ āϏ⧇āχ āĻŦā§āϝāĻ•ā§āϤāĻŋāĻĻ⧇āϰ āϜāĻ¨ā§āϝ āĻŦāĻŋāĻļ⧇āώāĻ­āĻžāĻŦ⧇ āϗ⧁āϰ⧁āĻ¤ā§āĻŦāĻĒā§‚āĻ°ā§āĻŖ
06:03
who want a less costly smaller  alternative that matches their
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āϝāĻžāϰāĻž āĻāĻ•āϟāĻŋ āĻ•āĻŽ āĻŦā§āϝāϝāĻŧāĻŦāĻšā§āϞ āϛ⧋āϟ āĻŦāĻŋāĻ•āĻ˛ā§āĻĒ āϚāĻžāύ āϝāĻž āϤāĻžāĻĻ⧇āϰ
06:08
budget for example me now I am  paying $1,000 for this beautiful
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āĻŦāĻžāĻœā§‡āĻŸā§‡āϰ āϏāĻžāĻĨ⧇ āĻŽā§‡āϞ⧇āĨ¤ āφāĻŽāĻŋ āĻāĻ–āύ āĻāχ āϏ⧁āĻ¨ā§āĻĻāϰ
06:19
apartment but if something happens or if I want  I can move to a cheaper apartment whenever I want  
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āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āĻŸā§‡āϰ āϜāĻ¨ā§āϝ $1,000 āĻĒā§āϰāĻĻāĻžāύ āĻ•āϰāĻ›āĻŋ āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻ•āĻŋāϛ⧁ āϘāϟāϞ⧇ āĻŦāĻž āφāĻŽāĻŋ āϚāĻžāχāϞ⧇ āφāĻŽāĻŋ āϝāĻ–āύāχ āϚāĻžāχ āĻāĻ•āϟāĻŋ āϏāĻ¸ā§āϤāĻž āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āĻŸā§‡ āϝ⧇āϤ⧇ āĻĒāĻžāϰāĻŋ
06:29
want now you know what is my favorite reason  to rent this apartment rather than buying
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āĻāĻ–āύ āφāĻĒāύāĻŋ āϜāĻžāύ⧇āύ āϝ⧇ āĻāχ āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋ āϕ⧇āύāĻžāϰ āĻšā§‡āϝāĻŧ⧇ āĻāχ āĻ…ā§āϝāĻžāĻĒāĻžāĻ°ā§āϟāĻŽā§‡āĻ¨ā§āϟāϟāĻŋ āĻ­āĻžāĻĄāĻŧāĻž āύ⧇āĻ“āϝāĻŧāĻžāϰ āϜāĻ¨ā§āϝ āφāĻŽāĻžāϰ āĻĒā§āϰāĻŋāϝāĻŧ āĻ•āĻžāϰāĻŖ āϕ⧀,
06:38
it no down payment yeah renters generally have  to pay a security deposit that that is equal  
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āϕ⧋āύ āĻĄāĻžāωāύ āĻĒ⧇āĻŽā§‡āĻ¨ā§āϟ āύ⧇āχ āĻšā§āϝāĻžāρ āĻ­āĻžāĻĄāĻŧāĻžāĻŸā§‡āϰāĻž āϏāĻžāϧāĻžāϰāĻŖāϤ āĻāĻ•āϟāĻŋ āϏāĻŋāĻ•āĻŋāωāϰāĻŋāϟāĻŋ āĻĄāĻŋāĻĒā§‹āϜāĻŋāϟ āĻĻāĻŋāϤ⧇ āĻšāϝāĻŧ āϝāĻž
06:52
to one month rent and that's usually  all this deposit is returned to them  
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āĻāĻ• āĻŽāĻžāϏ⧇āϰ āĻ­āĻžāĻĄāĻŧāĻžāϰ āϏāĻŽāĻžāύ āĻāĻŦāĻ‚ āϏāĻžāϧāĻžāϰāĻŖāϤ āĻāχ āϏāĻŽāĻ¸ā§āϤ āĻĄāĻŋāĻĒā§‹āϜāĻŋāϟ āϤāĻžāĻĻ⧇āϰ āĻĢ⧇āϰāϤ āĻĻ⧇āĻ“āϝāĻŧāĻž āĻšāϝāĻŧ
07:01
when they move out provided  they haven't damaged the rental
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āϝāĻ–āύ āϤāĻžāϰāĻž āϚāϞ⧇ āϝāĻžāϝāĻŧ āϤāĻŦ⧇ āĻļāĻ°ā§āϤ āĻĨāĻžāϕ⧇ āϝ⧇ āϤāĻžāϰāĻž
07:07
property when purchasing a home with a Mortage  you are required to have a sizable down payment  
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āφāĻĒāύāĻžāϰ āĻ•āĻžāϛ⧇ āĻĨāĻžāĻ•āĻž āĻŽāĻ°ā§āĻŸā§‡āϜ āϏāĻš āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋ āϕ⧇āύāĻžāϰ āϏāĻŽāϝāĻŧ āĻ­āĻžāĻĄāĻŧāĻžāϰ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋāϰ āĻ•ā§āώāϤāĻŋ āύāĻž āĻ•āϰ⧇āĨ¤ āĻāĻ•āϟāĻŋ āĻŦāĻĄāĻŧ āφāĻ•āĻžāϰ⧇āϰ āĻĄāĻžāωāύ āĻĒ⧇āĻŽā§‡āĻ¨ā§āϟ
07:20
typically around 20% of the properties  value that's a lot of money my friend
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āϏāĻžāϧāĻžāϰāĻŖāϤ āϏāĻŽā§āĻĒāĻ¤ā§āϤāĻŋāϰ āĻŽā§‚āĻ˛ā§āϝ⧇āϰ āĻĒā§āϰāĻžāϝāĻŧ 20% āϝāĻž āĻ…āύ⧇āĻ• āϟāĻžāĻ•āĻž āφāĻŽāĻžāϰ āĻŦāĻ¨ā§āϧ⧁
07:30
I had that money yeah I  could buy a house I had saved
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āφāĻŽāĻžāϰ āĻ•āĻžāϛ⧇ āϏ⧇āχ āϟāĻžāĻ•āĻž āĻ›āĻŋāϞ āĻšā§āϝāĻžāρ āφāĻŽāĻŋ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋ āĻ•āĻŋāύāϤ⧇ āĻĒāĻžāϰāϤāĻžāĻŽ āφāĻŽāĻŋ
07:35
$220,000 but instead of using that money for  a down payment on a house I decided to invest
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$220,000 āϏāĻžā§āϚāϝāĻŧ āĻ•āϰ⧇āĻ›āĻŋ āĻ•āĻŋāĻ¨ā§āϤ⧁ āϏ⧇āχ āϟāĻžāĻ•āĻž āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰāĻžāϰ āĻĒāϰāĻŋāĻŦāĻ°ā§āϤ⧇ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋāϤ⧇ āĻĄāĻžāωāύ āĻĒ⧇āĻŽā§‡āĻ¨ā§āϟ āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āφāĻŽāĻŋ āĻŦāĻŋāύāĻŋāϝāĻŧā§‹āĻ— āĻ•āϰāĻžāϰ āϏāĻŋāĻĻā§āϧāĻžāĻ¨ā§āϤ āύāĻŋāϝāĻŧ⧇āĻ›āĻŋ
07:46
it I started my own business with that and I also  invested in other things and it worked for me  
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āĻāϟāĻŋ āĻĻāĻŋāϝāĻŧ⧇ āφāĻŽāĻŋ āφāĻŽāĻžāϰ āύāĻŋāĻœā§‡āϰ āĻŦā§āϝāĻŦāϏāĻž āĻļ⧁āϰ⧁ āĻ•āϰ⧇āĻ›āĻŋ āĻāĻŦāĻ‚ āφāĻŽāĻŋ āĻ…āĻ¨ā§āϝāĻžāĻ¨ā§āϝ āϜāĻŋāύāĻŋāϏāϗ⧁āϞāĻŋāϤ⧇āĻ“ āĻŦāĻŋāύāĻŋāϝāĻŧā§‹āĻ— āĻ•āϰ⧇āĻ›āĻŋ āĻāĻŦāĻ‚ āĻāϟāĻŋ āφāĻŽāĻžāϰ āϜāĻ¨ā§āϝ āĻ•āĻžāϜ āĻ•āϰ⧇āϛ⧇
07:59
now I have my business and maybe in the  future I could buy a house with the money it
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āĻāĻ–āύ āφāĻŽāĻžāϰ āĻŦā§āϝāĻŦāϏāĻž āφāϛ⧇ āĻāĻŦāĻ‚ āĻ­āĻŦāĻŋāĻˇā§āϝāϤ⧇ āφāĻŽāĻŋ āĻāϟāĻŋāϰ
08:05
produces that's interesting you know I was saving  money to buy my own house it was my dream but now  
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āĻ‰ā§ŽāĻĒāĻžāĻĻāĻŋāϤ āĻ…āĻ°ā§āĻĨ āĻĻāĻŋāϝāĻŧ⧇ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋ āĻ•āĻŋāύāϤ⧇ āĻĒāĻžāϰāĻŦ āϝāĻž āφāĻ•āĻ°ā§āώāĻŖā§€āϝāĻŧ āφāĻĒāύāĻŋ āϜāĻžāύ⧇āύ āϝ⧇ āφāĻŽāĻŋ āϕ⧇āύāĻžāϰ āϜāĻ¨ā§āϝ āĻ…āĻ°ā§āĻĨ āϏāĻžā§āϚāϝāĻŧ āĻ•āϰāĻ›āĻŋāϞāĻžāĻŽ āφāĻŽāĻžāϰ āύāĻŋāĻœā§‡āϰ āĻŦāĻžāĻĄāĻŧāĻŋ āĻāϟāĻž āφāĻŽāĻžāϰ āĻ¸ā§āĻŦāĻĒā§āύ āĻ›āĻŋāϞ āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻāĻ–āύ
08:20
that you told me about the benefits of renting  a house I think I will better rent well wait a  
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āφāĻĒāύāĻŋ āφāĻŽāĻžāϕ⧇ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋ āĻ­āĻžāĻĄāĻŧāĻžāϰ āϏ⧁āĻŦāĻŋāϧāĻž āϏāĻŽā§āĻĒāĻ°ā§āϕ⧇ āĻŦāϞ⧇āĻ›āĻŋāϞ⧇āύ āφāĻŽāĻŋ āĻŽāύ⧇ āĻ•āϰāĻŋ āφāĻŽāĻŋ āĻ­āĻžāϞ āĻ­āĻžāĻĄāĻŧāĻž āύāĻŋāĻŦ āĻāĻ•
08:29
minute it is not for everyone if you like  businesses and you can work hard then you  
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āĻŽāĻŋāύāĻŋāϟ āĻ…āĻĒ⧇āĻ•ā§āώāĻž āĻ•āϰ⧁āύ āĻāϟāĻŋ āϏāĻŦāĻžāϰ āϜāĻ¨ā§āϝ āύāϝāĻŧ āϝāĻĻāĻŋ āφāĻĒāύāĻŋ āĻŦā§āϝāĻŦāϏāĻž āĻĒāĻ›āĻ¨ā§āĻĻ āĻ•āϰ⧇āύ āĻāĻŦāĻ‚ āφāĻĒāύāĻŋ āĻ•āĻ ā§‹āϰ āĻĒāϰāĻŋāĻļā§āϰāĻŽ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύ āϤāĻžāĻšāϞ⧇ āφāĻĒāύāĻŋ
08:39
can choose that option but you need to  educate yourself before investing that  
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āϏ⧇āχ āĻŦāĻŋāĻ•āĻ˛ā§āĻĒāϟāĻŋ āĻŦ⧇āϛ⧇ āύāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύ āϤāĻŦ⧇ āĻāϟāĻŋ āĻŦāĻŋāύāĻŋāϝāĻŧā§‹āĻ— āĻ•āϰāĻžāϰ āφāϗ⧇ āφāĻĒāύāĻžāϕ⧇ āύāĻŋāĻœā§‡āϕ⧇ āĻļāĻŋāĻ•ā§āώāĻŋāϤ āĻ•āϰāϤ⧇ āĻšāĻŦ⧇
08:46
money if you don't have the financial education  to make that money grow it's better not to do
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āϟāĻžāĻ•āĻž āĻŦāĻžāĻĄāĻŧāĻžāύ⧋āϰ āϜāĻ¨ā§āϝ āϝāĻĻāĻŋ āφāĻĒāύāĻžāϰ āĻ•āĻžāϛ⧇ āφāĻ°ā§āĻĨāĻŋāĻ• āĻļāĻŋāĻ•ā§āώāĻž āύāĻž āĻĨāĻžāϕ⧇ āϤāĻŦ⧇
08:55
it better buy the that house and thus you will  pay the fee month after month along with the
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āϏ⧇āχ āĻŦāĻžāĻĄāĻŧāĻŋāϟāĻŋ āϕ⧇āύāĻžāϰ āϜāĻ¨ā§āϝ āĻāϟāĻŋ āύāĻž āĻ•āϰāĻžāχ āĻ­āĻžāϞ āĻāĻŦāĻ‚ āĻāχāĻ­āĻžāĻŦ⧇ āφāĻĒāύāĻŋ āĻŽāĻžāϏ⧇āϰ āĻĒāϰ āĻŽāĻžāϏ āϏ⧁āĻĻ⧇āϰ āϏāĻžāĻĨ⧇ āĻĢāĻŋ āĻĻāĻŋāϤ⧇ āĻšāĻŦ⧇
09:05
interest as I told you before it's not for  everyone plus buying a house has also its
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āϝ⧇āĻŽāύāϟāĻŋ āφāĻŽāĻŋ āφāĻĒāύāĻžāϕ⧇ āφāϗ⧇āχ āĻŦāϞ⧇āĻ›āĻŋāϞāĻžāĻŽ āĻāϟāĻŋ āϏāĻŦāĻžāϰ āϜāĻ¨ā§āϝ āύāϝāĻŧ āĻĒā§āϞāĻžāϏ āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋ āϕ⧇āύāĻžāϰāĻ“
09:15
benefits really and what are  those benefits I want to know
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āφāϏāϞ⧇ āĻāϰ āϏ⧁āĻŦāĻŋāϧāĻž āϰāϝāĻŧ⧇āϛ⧇ āĻāĻŦāĻ‚ āϏ⧇āχ āϏ⧁āĻŦāĻŋāϧāĻžāϗ⧁āϞāĻŋ āϕ⧀ āϕ⧀ āϤāĻž āφāĻŽāĻŋ āϜāĻžāύāϤ⧇ āϚāĻžāχ
09:24
please well there are many of them maybe  after you listen to me you can take a better
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āĻĻāϝāĻŧāĻž āĻ•āϰ⧇ āĻ­āĻžāϞāĻ­āĻžāĻŦ⧇ āϤāĻžāĻĻ⧇āϰ āĻŽāĻ§ā§āϝ⧇ āĻ…āύ⧇āĻ•āϗ⧁āϞāĻŋ āφāϛ⧇ āĻšāϝāĻŧāϤ⧋ āφāĻĒāύāĻŋ āφāĻŽāĻžāϰ āĻ•āĻĨāĻž āĻļā§‹āύāĻžāϰ āĻĒāϰ⧇ āφāĻĒāύāĻŋ āφāϰāĻ“ āĻ­āĻžāϞ
09:34
decision but it will have to be in another  video because we don't have time now I'm
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āϏāĻŋāĻĻā§āϧāĻžāĻ¨ā§āϤ āύāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύ āϤāĻŦ⧇ āĻāϟāĻŋ āĻ…āĻ¨ā§āϝ āĻ­āĻŋāĻĄāĻŋāĻ“āϤ⧇ āĻĨāĻžāĻ•āϤ⧇ āĻšāĻŦ⧇ āĻ•āĻžāϰāĻŖ āφāĻŽāϰāĻž āϤāĻž āĻ•āϰāĻŋ āύāĻž āĻāĻ–āύ āϏāĻŽāϝāĻŧ āφāϛ⧇ āφāĻŽāĻŋ
09:43
sorry oh damn it okay what do you say guy is  it better to rent or own a house I hope you  
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āĻĻ⧁āσāĻ–āĻŋāϤ āĻ“āĻš āĻ…āĻ­āĻŋāĻļāĻžāĻĒ āĻāϟāĻž āĻ āĻŋāĻ• āφāϛ⧇ āφāĻĒāύāĻŋ āĻ•āĻŋ āĻŦāϞ⧇āύ āϛ⧇āϞ⧇ āĻāϟāĻž āĻ­āĻžāϞ āĻ­āĻžāĻĄāĻŧāĻž āĻŦāĻž āĻāĻ•āϟāĻŋ āĻŦāĻžāĻĄāĻŧāĻŋāϰ āĻŽāĻžāϞāĻŋāĻ• āφāĻŽāĻŋ āφāĻļāĻž āĻ•āϰāĻŋ āφāĻĒāύāĻŋ
09:56
liked this conversation if you will improve your  English a little more please subscribe to the  
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āĻāχ āĻ•āĻĨā§‹āĻĒāĻ•āĻĨāύ āĻĒāĻ›āĻ¨ā§āĻĻ āĻ•āϰ⧇āϛ⧇āύ āϝāĻĻāĻŋ āφāĻĒāύāĻŋ āφāĻĒāύāĻžāϰ āχāĻ‚āϰ⧇āϜāĻŋ āφāϰ⧋ āĻāĻ•āϟ⧁ āωāĻ¨ā§āύāϤāĻŋ āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύ āĻĻāϝāĻŧāĻž āĻ•āϰ⧇ āĻšā§āϝāĻžāύ⧇āϞāϟāĻŋ āϏāĻžāĻŦāĻ¸ā§āĻ•ā§āϰāĻžāχāĻŦ āĻ•āϰ⧁āύ
10:02
channel and share this video with a friend  and if you want to support this channel you  
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āĻāĻŦāĻ‚ āĻ­āĻŋāĻĄāĻŋāĻ“āϟāĻŋ āĻļ⧇āϝāĻŧāĻžāϰ āĻ•āϰ⧁āύ āĻāĻ•āϜāύ āĻŦāĻ¨ā§āϧ⧁ āĻāĻŦāĻ‚ āφāĻĒāύāĻŋ āϝāĻĻāĻŋ āĻāχ āĻšā§āϝāĻžāύ⧇āϞāϟāĻŋāϕ⧇ āϏāĻŽāĻ°ā§āĻĨāύ āĻ•āϰāϤ⧇ āϚāĻžāύ āϤāĻŦ⧇ āφāĻĒāύāĻŋ
10:07
can join us or click on the super thanks button  thank you very much for your support take care
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āφāĻŽāĻžāĻĻ⧇āϰ āϏāĻžāĻĨ⧇ āϝ⧋āĻ— āĻĻāĻŋāϤ⧇ āĻĒāĻžāϰ⧇āύ āĻŦāĻž āϏ⧁āĻĒāĻžāϰ āϧāĻ¨ā§āϝāĻŦāĻžāĻĻ āĻŦā§‹āϤāĻžāĻŽā§‡ āĻ•ā§āϞāĻŋāĻ• āĻ•āϰāϤ⧇ āĻĒāĻžāϰ⧇āύ āφāĻĒāύāĻžāϰ āϏāĻŽāĻ°ā§āĻĨāύ⧇āϰ āϜāĻ¨ā§āϝ āφāĻĒāύāĻžāϕ⧇ āĻ…āύ⧇āĻ• āϧāĻ¨ā§āϝāĻŦāĻžāĻĻ āϝāĻ¤ā§āύ āύāĻŋāύ
āĻāχ āĻ“āϝāĻŧ⧇āĻŦāϏāĻžāχāϟ āϏāĻŽā§āĻĒāĻ°ā§āϕ⧇

āĻāχ āϏāĻžāχāϟāϟāĻŋ āφāĻĒāύāĻžāϕ⧇ YouTube āĻ­āĻŋāĻĄāĻŋāĻ“āϗ⧁āϞāĻŋāϰ āϏāĻžāĻĨ⧇ āĻĒāϰāĻŋāϚāϝāĻŧ āĻ•āϰāĻŋāϝāĻŧ⧇ āĻĻ⧇āĻŦ⧇ āϝāĻž āχāĻ‚āϰ⧇āϜāĻŋ āĻļ⧇āĻ–āĻžāϰ āϜāĻ¨ā§āϝ āĻĻāϰāĻ•āĻžāϰ⧀āĨ¤ āφāĻĒāύāĻŋ āϏāĻžāϰāĻž āĻŦāĻŋāĻļā§āĻŦ⧇āϰ āĻļā§€āĻ°ā§āώāĻ¸ā§āĻĨāĻžāύ⧀āϝāĻŧ āĻļāĻŋāĻ•ā§āώāĻ•āĻĻ⧇āϰ āĻĻā§āĻŦāĻžāϰāĻž āĻļ⧇āĻ–āĻžāύ⧋ āχāĻ‚āϰ⧇āϜāĻŋ āĻĒāĻžāĻ  āĻĻ⧇āĻ–āϤ⧇ āĻĒāĻžāĻŦ⧇āύāĨ¤ āϏ⧇āĻ–āĻžāύ āĻĨ⧇āϕ⧇ āĻ­āĻŋāĻĄāĻŋāĻ“ āϚāĻžāϞāĻžāϤ⧇ āĻĒā§āϰāϤāĻŋāϟāĻŋ āĻ­āĻŋāĻĄāĻŋāĻ“ āĻĒ⧃āĻˇā§āĻ āĻžāϝāĻŧ āĻĒā§āϰāĻĻāĻ°ā§āĻļāĻŋāϤ āχāĻ‚āϰ⧇āϜāĻŋ āϏāĻžāĻŦāϟāĻžāχāĻŸā§‡āϞāϗ⧁āϞāĻŋāϤ⧇ āĻĄāĻžāĻŦāϞ-āĻ•ā§āϞāĻŋāĻ• āĻ•āϰ⧁āύāĨ¤ āϏāĻžāĻŦāϟāĻžāχāĻŸā§‡āϞāϗ⧁āϞāĻŋ āĻ­āĻŋāĻĄāĻŋāĻ“ āĻĒā§āϞ⧇āĻŦā§āϝāĻžāϕ⧇āϰ āϏāĻžāĻĨ⧇ āϏāĻŋāĻ™ā§āϕ⧇ āĻ¸ā§āĻ•ā§āϰ⧋āϞ āĻ•āϰ⧇⧎ āφāĻĒāύāĻžāϰ āϕ⧋āύ āĻŽāĻ¨ā§āϤāĻŦā§āϝ āĻŦāĻž āĻ…āύ⧁āϰ⧋āϧ āĻĨāĻžāĻ•āϞ⧇, āĻāχ āϝ⧋āĻ—āĻžāϝ⧋āĻ— āĻĢāĻ°ā§āĻŽ āĻŦā§āϝāĻŦāĻšāĻžāϰ āĻ•āϰ⧇ āφāĻŽāĻžāĻĻ⧇āϰ āϏāĻžāĻĨ⧇ āϝ⧋āĻ—āĻžāϝ⧋āĻ— āĻ•āϰ⧁āύ.

https://forms.gle/WvT1wiN1qDtmnspy7