ere ee Emel er Lome) lord Mortgages - a Blessing or a Nightmare? by Ewelina Bloriska Should you take out a mortgage or not? Is it true that aman in debt is so Far a slave? These are tough questions that many of us are constantly trying to answer. Let’s take a look at some potential pros and cons and then make up our minds. cowadays, itis almost impos- sible to buy a house without mortgage, as getting the pho lump sum isa privilege ‘Teserved Tor very few. On the one hand, some people see taking on a manageable debt as a way to improve their lives but ‘on the other one, there are also those ‘who treat mortgages as something to be avoided at all costs. Who is right? Lev’s analyse different points of view. The devilis not as black FRUSSPEIS 1 definitely agree that a mortgage makes home ownership affordable. Of course, I cannot deny that buying this flat i the biggest purchase T have ever ‘made. Quite the reverse! It’s by far the ‘most expensive thing I've ever bought. But I don't regret it! Now, Ihave a place ‘where I can enjoy my own space and ‘privacy can decorate everything myself. Thave an opportunity to design a living space that suits my style. Isnt it wonder- ful? Tused to rent a flat for many years and to tell the truth, staying in rented accommodation forthe foreseeable future isn't for me. Never again! = Barbara If it hadn't been for the mortgage, Iyvouldn’tbe living in my own beautiful home now. People are often petrified of banks and the whole home loan process. 2 But if you have a steady job and stable income, there is no need to be worried. ‘The best thing about a mortgage is that you can always spread the repayments over many years, hence the amaunt you pay back every month is more manage- able, and affordable! Go for it - Michael Even though I decided to get a mort- gage, I feel this place belongs to me. Topted for a 25-year term. Of course, it's worth going for the shortest term you can afford ~ not only will you be mortgage-free sooner but you'll also save alotof money instead of paying interest. However, as we are living longer and the retirement age is going up, 30-year ‘mortgages are becoming more common as well. This is a good option for those ‘omortgage ‘mo:045 m2 018 | hpoteka, iredythipoteceny blessing | bogoslawierstwo nightmare | koszmar to take outa mortgage | zacggatkred\t hipoteceny bt et | og tough i | trudny pros and cons | zai przecin ‘tomake up one's mind | podejmonat decyzle ‘snowadays | obecnie Impossible 005201 niemozlive lump sum | jednorazowa zaplata due wot privilege pve | pray ‘onthe one hand | zene stony to take onsth | godt signa cos, acagaé of, raf cof na sebie manageable 1430! | do opanowani, moti do spaceria toimprove sth | polepszatcos ‘on the other one | 2 cru strony to anaysesth tu ev0lei2 simdin | analizonat co the dels notas back as he's painted | nie tak abet straszny jak gomaula defintely | zdecydovanie toagre | zgadza sie home ownership | posiadsniedomu affordable» | praystepny, w proystepne| cenie todeny sth | zaprzeccaé purchase sf | zakup quite the revers I rgce prrecianie toregret sth | Zatowae czegos privaey pris) aves | prywatnose tosuit sth | odpowiadae czemus torentatfat | wynajmowae rmieszanie accommodation | Zekwateronanie foraseeabo 2 20) | dalacy sig praevia, tu najlieszy petrified of th | praerazony cays home oan | pot poaycea nadom red mieszkaniony income | dochés tospread sth | twsocoayé repayment | rataspaty hence | sto clatego amount | suma,kwota worth sth | warty czegos toaord sth | mécsobe racos pozwolie Instead of sth | zamiast egos inforest | tuodseth retirement age | wek emeytaly «common | powszechryss enous marTERS 962001 a Verbs Frequently used with mortgage: ARRANGE A MORTGAGI + apply for, arrange How do Igo about arranging a mortgage? GET A MORTGAGE: + get, obtain, secure, take out Taking out a mortgage isa tough decision. HAVE A MORTGAGE: Do you have a mortgage on your home? PAY BACK MONEY BORROWED ON A MORTGAGE: + clear, pay, pay off, repay There are various ways to repay your mortgage. who are young and don’t wantto pay high instalments. = Martin T work in a bank ‘and need to say some- thing positive about loans. A mortgage is a costeffective way of borrowing, Interest rates on mortgages tend to be lower than any other form of bor- rowing because the loan is secured against your property. Lenders can offer a variety of mort- sages such as fixed-rate or variable-rate like trackers. Itis so-called tailored bor- rowing, which has become more attainable nowadays, And if you save some addi- tional money, you can always repay your loan faster, ~Geinma, P'maware thatall the different options concerning a home loan can make your head spin. Luckily, doing a litle bit of research can help narrow down your choices. I'm going to apply for a 15-year fixed-rate mortgage - even though ithas a higher monthly payment, 1 pay less in interest than with a longer term mortgage. I treat this purchase as an investment. I believe that taking out mortgages, atthe endof the day, cheaper than renting, Besides, I wantto put money into something I should eventually own. Johannes eee ay Tdon’trelly Rave any strong feelings on the matter, tobe honest. However, T personally wouldn't take out a mort. ‘gage. The worst thing for me is that you have to pay back a lot more than you ‘originally borrowed. A lotof my friends sotamortgage and now they fel rapped. ‘The monthly instalment robs them of their sleep. One of my friends was made ‘redundant and then because of mortgage arrears was really na jam. Fortunately, her husband is still working, but who knows how long... Life is so unpredict- able, isn’tit? ~lessca Binstalmentn start | turata property | wasnost lender | pozyczkodawca variety of sth | znoradnose czegos fixed-rate | oprocentowanie stale varable-rate | oprocentowarie zmienne tracker | tckredyto oprocentawaniuzgodym ze stopaprocentowa Eurpejsiegn Bank Centranego pawigkszony otal maree tallored borrowing | pazyezanie Aostosowane do potreb attainable © uo) | osagany,realny nowadays | cbecrie aware | Sviadomy tomate one’s head spin | zaskakiaéhogos, szokawat, pryprawiaé 0 zawrst glow ‘tonarrow down sth | zavezié cos to.apply fr sth | skiadatocos wniosek besides | pozatym eventually | w kofcuostatecanie theothe side ofthe con | drug storamedas originally | poczatiowo tofeel trapped | czut sek w pulapce torob sb of ones sleep | preyprawiae ‘bezsennoi nie dav komuS spokajnie spat ‘tobe made redundant | zostat2wolnionym mortgage arrears | zaleslocihipotecane tobeinajam | byéwtarapatach fortunately [na szczeSce unpredictable,» nieprzewidywalny‘When thear the word loan, especially home loan, I'm scated stiff. For me it would be like sitting on a powder keg which could explode at any moment. amassingle mother of triplets who ekes uta living. 'm quite lucky though, as inherited this tiny flat from my granny, bt wouldn't like to apply fora mortgage as [wouldn'thave the money to clear it Ilive in a pokey room, but it's my own. I want to avoid banks, lenders and other loan sharks. Keep them away from me, please. = Maria Forme the most obvious disad= vantage s that youre carryingan enormous debt over a long time, like 20 or 30 years. Some say that itis ike putting ownheadinto the noose. Who wantsto carry adebttill retirement? That's ahorcble thing if you ask me. The other majar drawback is tha since the mortgage is secured on ‘your propery, you have to beable to keep 1p with your mortgage repayments ot ‘you could lose yourhome. And what ifyoulose your job? There is noth- ing worse than being homeless and unemployed, as far as 'm conceme ~ Joseph ‘Ten years ago we took outa mort- gageas we felt defeated by the mounds ‘of clutter in our cramped apartment. We needed something spacious. Of course, at first, we were over the moon about living ina bigger place. After some time, however, we realised that although the ‘monthly amount we're paying may seem reasonable, the total amount ‘we pay back over the years is huge. Previously, we were blinkered and didn't listen to our friends who were trying to advise us against a home loan and the additional fees. I’s not only the cost of interest that mounts up when you havea mortgage. We had o take out extra insurance policies tied tothe lender, too, and there are penalty fees to watch out for if you need to get out of your mortgage deal early. Be careful and read the small print of the contract before signing it. ~Jowita The low-down ‘The idea of living in your own house ‘can be enticing for many individuals who would like to have an oasis of silence, peace and happiness. By signing a few documents, your life may change com- pletely. For the better, or the worse? You need to ak yourself. One thing is certain Taking outa mortgageisa majorlife dec sion and one that should only be taken after much consideration. Jf ‘tobe scared sti | smirtalne sig czogos bat bat sie czegos jak ognia tosit ona powder keg | siediet na becec prochu triplets | tojace toeke outa living | ecw0) nigzatkoniec zkofcem twineri sth | odziedzcayé cos pokey | ciasny to avoid sth | unikaéczegos oan shark | ichwiarz obvious vis: /:bv9s | eceymisty disadvantage | niekorzy$, minus, wada toput oun head into the noose | wiiadat shove w stiyczekzalzyésobie pele na save major | gtny drawback 2 | minus to keep up wth th | dotreymuat caemus roku, ereguamie x8 splacat homeless | bezdomny unemployed | bezrbotry asforas Im concemed | esi miecheds mounds of sth | stort czeg05 ttter | rupece camped | casny spacious p25 | praestrzenny atest | najperw tobe overthe moon | bye sim nibie torealse that | zi sobie spam ze toseem | ydanatsg reasonable | rzsady previously | wczesri) blinkered | 2 Haplai na oczach to aduise s against sth |oatizat tomes cas fee | plata tomount up | wzrasat insurance pale | polsaubezpieconiona tied to | przypisany lomus penalty fe | kara plata to watch outfor sth | wazatnacos ‘low-down | cla panda etiing si | useecy feu | la 1 after consideration | po przemyslenia 26by Owen Williams Adverbs are a great way of elevating your English, especially when it comes to writing. English Matters offers a guide to how to form wonderfully descriptive adverbs, and how to use them correctly. Forming Adverbs Just like adjectives describe nouns, adverbs describe verbs, adjectives or other adverbs. You've probably used some with: ‘ou really realising ~ for example, ‘probably’ and ‘really? + Most adverbs are formed by adding ‘Iy" to an adjective, for example the adjective ‘soft’ can be formed into the adverb ‘softly’ + For adjectives that end in ‘y* we replace ‘y’ with add ‘ly, for example ‘easy’ becomes ‘easily’ *For adjectives that end in ‘le,’ we usually replace the ‘e’ with *y,’ but when the adjective ends in ‘I we add ‘ly’ (fesulting in double 1) such as in our examples above: probable ~ probably, real ~ really. i" then + If the adjective ends in ‘ic,’ add ‘ally? such as realistic — realistically (with one exception, public ~ publicly). + Note the adverb form of ‘good’ is ‘well’ (itis iregular). “He sang well (not ‘sang good’ or ‘goodly’) Adjectives Ending in ly" Some adjectives end in ‘ly’ but are not used as adverbs, they are: costly, cowardly, deadly friendly, ikely, brotherly, ‘ingly, leisurely lovely lively, womanly, princely, scholarly, silly, ugly and unlikely. For example, “The children were being sily’ Here, ‘silly’ describes the noun ‘children’ so is an adjective; we could not say, ‘the children were behaving sillily’ (lily isnot a word). Adjectives Which Are Also Adverbs ‘Some words are used as adjectives and adverbs without any change, for example fs, hal, straight jus lt, low, ‘most and clean. For example, ‘she is fast’ and ‘she runs fast (ot fastly). *Nore that "most is also an adver, ‘Comparative and Superlative Adverbs Ifyou'd like to compare the way two or more things are done (Comparing the verbs), then comparative and superlative adverbs are what you need. Forming them is surprisingly easy —We add ‘more, the most, less, the leat’ (just as we do ‘with comparative adjectives). There are a few exceptions: ‘well and badly use the comparative and superlative forms (better, the best, worse, the worst). Similarly, ‘fas, late, Jow, and clean’ also take the same form as adjectives for comparatives and superlatives Hopefully this guide allows you to use adverbs more eas- ily. Now you'll be able to write better and speak more confidently. adverb | przyséwek to elevate sth | pocnosi co, tu: podayéscaé poziom cregos ‘when itcomes to. | jel chodio adjective =< | przymiotrik todescribe sth | opsywaé os without sth | bez czegos torealie sth (20 lot's | zdawat sable 2 caeg0S sprang, uSwiadamiag sobie cos toreplace sth with sth | zastepowat cos cays torresultin sth | skutkowae cays cowardly 0038 tehéraly likely | prawdopodobny bratherly | brat, braterse leisurely esl isori | spolojny womanly | kobiccy Princely | balecany ksizecy scholarly | naukowy unlikely | nigprandopodobny straight | prosto comparative = wstopriy wyeseym ‘tocompare sth | poréwnywat 05 surprisingly | zashalujaco afew | Kika toallow sbto do sth | pozwolékomus na zobienie zens confidently | 2 pevnoscig slob, pewnie ! 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