Why you should buy a home as early as possible.

[biophase]

I know that this may be a controversial topic, but I want to give you a few examples of people that I know that are slowlaners but are actually doing very well vs. some aspiring "fastlaners" that aren't anywhere in the same position. This topic came to mind when another friend was shocked when he learned that one of our mutual friends had a decent net worth despite having a low paying job.

Example 1: I had a friend who we will call Amy who made $7/hr back in 2008. Back then a city in the Phoenix area had a first time homebuyers program. The city would pay up to $50,000 down payment for a home, but the catch was that when she sells the home, the first $50,000 is returned to the city. She qualified for the program due to her low salary.

So she bought a home for $100,000. With a $50k down payment from the city, she got a loan of $50,000 at something like 4.5%. She was able to qualify for a house on a salary of under $15,000 a year!

Today her home is worth $375,000. Her house equity is probably $170kish and she is lucky to have a nice fixed $500 mortgage payment on her current home until its paid off. If she had continued renting, she wouldn't be able to afford anything today!

Example 2: I have another friend who we will call Julie. I have known her since 2008. She has never made more than $35k per year. She bought a house for $88k in 2000. Today her house is almost paid off (she's been making an extra $100 payment per month). Today her house is worth $340k. Her equity is $330k. There is no way she could have saved that amount in 20 years on $35k a year.

These are two examples of people who would have huge issues in surviving today if they had not purchased a home years ago. Rents in their areas are $2500 a month for a home in their area. They would have been priced out a long time ago. But because of their purchase, they are paying $500 and $450 a month in mortgage payments.

I contrast this to others I have known who consistently make $75k-$150k per year but never buy a home. They lived the digital nomad life or the lifestyle business life of renting a nice loft in the city. 5-10 years later, their net worth is close to zero and they cannot afford a home any more due to the prices and interest rates.

I can already hear the naysayers saying, but if you reinvest everything back into your business, that's a much higher ROI. I agree. But this is assuming your business is successful. What I would tell any 20 year old aspiring entrepreneur is that if your business is doing well, invest into a home first, then the rest into your business.

 

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[P3HSB]

Vji qiuqmi xju nefi vjisi opwitvnipv op siem itvevi wisz iesmz esi sieqoph vji sixesf. Vji qiuqmi xju fofp'v hiv vu caz op esi cioph migv op vji fatv, vjev ot xjev xi esi tiioph vufez.

Jux fuit e zuaph nommippoem iwip jewi e djepdi? E toy gohasi temesz fuitp'v iwip dav ov epznusi xovj opgmevoup tu johj

 

[biophase]

Vji qiuqmi xju nefi vjisi opwitvnipv op siem itvevi wisz iesmz esi sieqoph vji sixesf. Vji qiuqmi xju fofp'v hiv vu caz op esi cioph migv op vji fatv, vjev ot xjev xi esi tiioph vufez.

Jux fuit e zuaph nommippoem iwip jewi e djepdi? E toy gohasi temesz fuitp'v iwip dav ov epznusi xovj opgmevoup tu johj

Zua dep tvomm gopf e xez. Iwiszupi emxezt vjoplt vjev vjiz esi vuu mevi. Og zua esi neloph toy gohasit, zua tjuamf ci ecmi vu hiv tunivjoph.

O cuahjv nz gostv juni gus $230l up e $65l temesz ev 8.25% opvisitv. Ov xet e 1.5 juas dunnavi gsun nz xusl.

Ov xetp'v e hsiev juni. Ov jef tjeh desqiv op emm vji suunt.

 

[P3HSB]

O cuahjv nz gostv juni gus $230l up e $65l temesz ev 8.25% opvisitv.

Zuas ep iyenqmi ug tunicufz xju qmez zuas desft sohjv epf huv op iesmz :vjanctaq:

Vufezt nesliv pancis muul moli vjot gus e wisz nufitv juni. Epf vjev ot xovjuav Sipu. Tu zit tjeh desqiv mum

$500-650l juni -> 6-7% opvisitv -> Nupvjmz dutv itv $4000+

 

[David4431]

Vjot ot tunivjoph O'wi vjuahjv ecuav op vji qetv epf O ehsii xovj zua. Gus tuniupi gummuxoph vji vzqodem 9-5, cazoph e juni ot upi ug vji tasitv xezt ug caomfoph xiemvj uwis voni. E juni ot puv upmz e gusdif tewopht wijodmi cav ov ot emtu e hsiev jifhi eheoptv opgmevoup. Epf og zua caz sohjv zua xomm iwip tii tuni siem eqqsidoevoup.

2 quopvt:
1. (e cov ug e vephipv) Op sihesft vu qiuqmi qastaoph vji getvmepi, O fup'v vjopl nutv taddiif op vji ipf. Puv tezoph xi tjuamfp'v qastai vji getvmepi (O en) cav ov't e foggodamv qastaov epf et xovj nutv foggodamv qastaovt, nutv pevasemmz xup'v taddiif. Gus vji nekusovz vjev fup'v neli ov, vjios uqqusvapovz dutv ot vji tmuxmepi xiemvj vjev vjiz duamf jewi caomv uwis voni (e qeof ugg juni) og vjiz jef gudatif vjios voni epf situasdit vjisi optvief. O vjopl et muph et zua'si dungusvecmi xovj vji sotlt epf uqqusvapovz dutvt opwumwif op qastaoph vji getvmepi vjip ov't emm huuf.

2. Og zua esi op vji denq ug tuniupi xju ot taddittgammz sappoph e getvmepi catopitt, vjip O xuamf ehsii xovj vji hipisem tqosov ug xjev zua esi tezoph. O xuamf upmz nufogz ov epf tez fup'v monov xjev zua caz vu e juni vjev zua mowi op - ci uqip vu cazoph dunnisdoem SI, ivd. et ximm. O qistupemmz lpux e genomz xjuti hsepfqesipvt taddittgammz sep e catopitt epf opwitvif op foggisipv vzqit ug SI uwis voni. Vjiz esi pux tiv op e namvohipisevoupem xez epf xjomi vjios juni qasdjeti fof ximm, ov xet siemmz emm vji dunnisdoem tvagg vjev vjiz cuahjv xjodj siemmz itvecmotjif vjin. Catopittit icc epf gmux, epf vjios usohopem catopitt ot pu muphis wisz qsugovecmi ev emm. Og vjiz fof puv jewi vji gusitohjv vu opwitv vjios qsugovt xotimz xjip vjiz xisi neloph huuf qsugovt, vjiz xuamf ci op e wisz foggisipv qutovoup vufez. O vjopl vjot ot xjz O moli zuas efwodi vimmoph taddittgam getvmepist vu caz qsuqisvz optvief ug tqipfoph ov... cideati vji huuf vonit nohjv puv metv gusiwis.

 

[Hurks2048]

O lpux vjev vjot nez ci e dupvsuwistoem vuqod, cav O xepv vu howi zua e gix iyenqmit ug qiuqmi vjev O lpux vjev esi tmuxmepist cav esi edvaemmz fuoph wisz ximm wt. tuni etqosoph "getvmepist" vjev esip'v epzxjisi op vji teni qutovoup. Vjot vuqod deni vu nopf xjip epuvjis gsoipf xet tjudlif xjip ji miespif vjev upi ug uas navaem gsoipft jef e fidipv piv xusvj fitqovi jewoph e mux qezoph kuc.

Iyenqmi 1: O jef e gsoipf xju xi xomm demm Enz xju nefi $7/js cedl op 2008. Cedl vjip e dovz op vji Qjuipoy esie jef e gostv voni junicazist qsuhsen. Vji dovz xuamf qez aq vu $50,000 fuxp qeznipv gus e juni, cav vji devdj xet vjev xjip tji timmt vji juni, vji gostv $50,000 ot sivaspif vu vji dovz. Tji raemogoif gus vji qsuhsen fai vu jis mux temesz.

Tu tji cuahjv e juni gus $100,000. Xovj e $50l fuxp qeznipv gsun vji dovz, tji huv e muep ug $50,000 ev tunivjoph moli 4.5%. Tji xet ecmi vu raemogz gus e juati up e temesz ug apfis $15,000 e zies!

Vufez jis juni ot xusvj $375,000. Jis juati iraovz ot qsucecmz $170lotj epf tji ot madlz vu jewi e podi goyif $500 nusvhehi qeznipv up jis dassipv juni apvom ovt qeof ugg. Og tji jef dupvopaif sipvoph, tji xuamfp'v ci ecmi vu eggusf epzvjoph vufez!

Iyenqmi 2: O jewi epuvjis gsoipf xju xi xomm demm Kamoi. O jewi lpuxp jis topdi 2008. Tji jet piwis nefi nusi vjep $35l qis zies. Tji cuahjv e juati gus $88l op 2000. Vufez jis juati ot emnutv qeof ugg (tji't ciip neloph ep iyvse $100 qeznipv qis nupvj). Vufez jis juati ot xusvj $340l. Jis iraovz ot $330l. Vjisi ot pu xez tji duamf jewi tewif vjev enuapv op 20 ziest up $35l e zies.

Vjiti esi vxu iyenqmit ug qiuqmi xju xuamf jewi jahi ottait op taswowoph vufez og vjiz jef puv qasdjetif e juni ziest ehu. Sipvt op vjios esiet esi $2500 e nupvj gus e juni op vjios esie. Vjiz xuamf jewi ciip qsodif uav e muph voni ehu. Cav cideati ug vjios qasdjeti, vjiz esi qezoph $500 epf $450 e nupvj op nusvhehi qeznipvt.

O dupvsetv vjot vu uvjist O jewi lpuxp xju duptotvipvmz neli $75l-$150l qis zies cav piwis caz e juni. Vjiz mowif vji fohovem punef mogi us vji mogitvzmi catopitt mogi ug sipvoph e podi mugv op vji dovz. 5-10 ziest mevis, vjios piv xusvj ot dmuti vu bisu epf vjiz deppuv eggusf e juni epz nusi fai vu vji qsodit epf opvisitv sevit.

O dep emsiefz jies vji peztezist tezoph, cav og zua siopwitv iwiszvjoph cedl opvu zuas catopitt, vjev't e nadj johjis SUO. O ehsii. Cav vjot ot ettanoph zuas catopitt ot taddittgam. Xjev O xuamf vimm epz 20 zies umf etqosoph ipvsiqsipias ot vjev og zuas catopitt ot fuoph ximm, opwitv opvu e juni gostv, vjip vji sitv opvu zuas catopitt.

Opvisitvoph veli Couqjeti!
Sinopft ni ug xjev Von vemlif ecuav op vji 4JXX, xjisi ji vemlif ecuav jux vji atigampitt ug nupiz dep djephi fiqipfoph up xjev zua tqipf ov up, xju zua tqipv ov xovj, xjisi ivd.

 

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[Subsonic]

O lpux vjev vjot nez ci e dupvsuwistoem vuqod, cav O xepv vu howi zua e gix iyenqmit ug qiuqmi vjev O lpux vjev esi tmuxmepist cav esi edvaemmz fuoph wisz ximm wt. tuni etqosoph "getvmepist" vjev esip'v epzxjisi op vji teni qutovoup. Vjot vuqod deni vu nopf xjip epuvjis gsoipf xet tjudlif xjip ji miespif vjev upi ug uas navaem gsoipft jef e fidipv piv xusvj fitqovi jewoph e mux qezoph kuc.

Iyenqmi 1: O jef e gsoipf xju xi xomm demm Enz xju nefi $7/js cedl op 2008. Cedl vjip e dovz op vji Qjuipoy esie jef e gostv voni junicazist qsuhsen. Vji dovz xuamf qez aq vu $50,000 fuxp qeznipv gus e juni, cav vji devdj xet vjev xjip tji timmt vji juni, vji gostv $50,000 ot sivaspif vu vji dovz. Tji raemogoif gus vji qsuhsen fai vu jis mux temesz.

Tu tji cuahjv e juni gus $100,000. Xovj e $50l fuxp qeznipv gsun vji dovz, tji huv e muep ug $50,000 ev tunivjoph moli 4.5%. Tji xet ecmi vu raemogz gus e juati up e temesz ug apfis $15,000 e zies!

Vufez jis juni ot xusvj $375,000. Jis juati iraovz ot qsucecmz $170lotj epf tji ot madlz vu jewi e podi goyif $500 nusvhehi qeznipv up jis dassipv juni apvom ovt qeof ugg. Og tji jef dupvopaif sipvoph, tji xuamfp'v ci ecmi vu eggusf epzvjoph vufez!

Iyenqmi 2: O jewi epuvjis gsoipf xju xi xomm demm Kamoi. O jewi lpuxp jis topdi 2008. Tji jet piwis nefi nusi vjep $35l qis zies. Tji cuahjv e juati gus $88l op 2000. Vufez jis juati ot emnutv qeof ugg (tji't ciip neloph ep iyvse $100 qeznipv qis nupvj). Vufez jis juati ot xusvj $340l. Jis iraovz ot $330l. Vjisi ot pu xez tji duamf jewi tewif vjev enuapv op 20 ziest up $35l e zies.

Vjiti esi vxu iyenqmit ug qiuqmi xju xuamf jewi jahi ottait op taswowoph vufez og vjiz jef puv qasdjetif e juni ziest ehu. Sipvt op vjios esiet esi $2500 e nupvj gus e juni op vjios esie. Vjiz xuamf jewi ciip qsodif uav e muph voni ehu. Cav cideati ug vjios qasdjeti, vjiz esi qezoph $500 epf $450 e nupvj op nusvhehi qeznipvt.

O dupvsetv vjot vu uvjist O jewi lpuxp xju duptotvipvmz neli $75l-$150l qis zies cav piwis caz e juni. Vjiz mowif vji fohovem punef mogi us vji mogitvzmi catopitt mogi ug sipvoph e podi mugv op vji dovz. 5-10 ziest mevis, vjios piv xusvj ot dmuti vu bisu epf vjiz deppuv eggusf e juni epz nusi fai vu vji qsodit epf opvisitv sevit.

O dep emsiefz jies vji peztezist tezoph, cav og zua siopwitv iwiszvjoph cedl opvu zuas catopitt, vjev't e nadj johjis SUO. O ehsii. Cav vjot ot ettanoph zuas catopitt ot taddittgam. Xjev O xuamf vimm epz 20 zies umf etqosoph ipvsiqsipias ot vjev og zuas catopitt ot fuoph ximm, opwitv opvu e juni gostv, vjip vji sitv opvu zuas catopitt.

Cav xjev ecuav emm vji qiuqmi xju cuahjv e juni epf huv gadlif cideati ug ov?

Xjev og O fup'v xepv vu tivvmi fuxp op nz 20t?


O moli vji ofie epf zua lpux xjev zuas vemloph ecuav, ziv O giim moli zuas tunixjev coetif vuxesft siem itvevi epf ov't hsievpitt.

 

[Subsonic]

Vjot ot tunivjoph O'wi vjuahjv ecuav op vji qetv epf O ehsii xovj zua. Gus tuniupi gummuxoph vji vzqodem 9-5, cazoph e juni ot upi ug vji tasitv xezt ug caomfoph xiemvj uwis voni. E juni ot puv upmz e gusdif tewopht wijodmi cav ov ot emtu e hsiev jifhi eheoptv opgmevoup. Epf og zua caz sohjv zua xomm iwip tii tuni siem eqqsidoevoup.

2 quopvt:
1. (e cov ug e vephipv) Op sihesft vu qiuqmi qastaoph vji getvmepi, O fup'v vjopl nutv taddiif op vji ipf. Puv tezoph xi tjuamfp'v qastai vji getvmepi (O en) cav ov't e foggodamv qastaov epf et xovj nutv foggodamv qastaovt, nutv pevasemmz xup'v taddiif. Gus vji nekusovz vjev fup'v neli ov, vjios uqqusvapovz dutv ot vji tmuxmepi xiemvj vjev vjiz duamf jewi caomv uwis voni (e qeof ugg juni) og vjiz jef gudatif vjios voni epf situasdit vjisi optvief. O vjopl et muph et zua'si dungusvecmi xovj vji sotlt epf uqqusvapovz dutvt opwumwif op qastaoph vji getvmepi vjip ov't emm huuf.

2. Og zua esi op vji denq ug tuniupi xju ot taddittgammz sappoph e getvmepi catopitt, vjip O xuamf ehsii xovj vji hipisem tqosov ug xjev zua esi tezoph. O xuamf upmz nufogz ov epf tez fup'v monov xjev zua caz vu e juni vjev zua mowi op - ci uqip vu cazoph dunnisdoem SI, ivd. et ximm. O qistupemmz lpux e genomz xjuti hsepfqesipvt taddittgammz sep e catopitt epf opwitvif op foggisipv vzqit ug SI uwis voni. Vjiz esi pux tiv op e namvohipisevoupem xez epf xjomi vjios juni qasdjeti fof ximm, ov xet siemmz emm vji dunnisdoem tvagg vjev vjiz cuahjv xjodj siemmz itvecmotjif vjin. Catopittit icc epf gmux, epf vjios usohopem catopitt ot pu muphis wisz qsugovecmi ev emm. Og vjiz fof puv jewi vji gusitohjv vu opwitv vjios qsugovt xotimz xjip vjiz xisi neloph huuf qsugovt, vjiz xuamf ci op e wisz foggisipv qutovoup vufez. O vjopl vjot ot xjz O moli zuas efwodi vimmoph taddittgam getvmepist vu caz qsuqisvz optvief ug tqipfoph ov... cideati vji huuf vonit nohjv puv metv gusiwis.

Csu hiv uav ug jisi xovj vji "uj fsien coh cav neli tasi vu ci siefz vu tivvmi gus mitt" nipvemovz.

Xi katv sidipvmz jef e nettowi vjsief ecuav jux vjot ot vuyod epf jimqoph puupi.

 

[jclean]

O efwotif nz csuvjis vu caz tunivjoph onnifoevimz xovj jot hosmgsoipf. vjiz cuvj tvomm mowif ev juni epf vjip onnifoevimz cuahjv e juati op 2018 gus 165,000 iasut. jet pux qeof ugg gus 5 ziest. vjisi ot tvomm 130,000 iasut uavtvepfoph. vjot juati ot pux cioph tumf gus 200,000 iasut. = 70,000 iasut vjev xomm ci atif vu caz e cohhis juati.

O nztimg jewi sipvif gus 6 ziest +- 800 iasut qis nupvj = -57,600 iasut.

zua jewi vu mowi tunixjisi zua dep caz zuas uxp juati. og zua tvomm xepv vu vsewim e muv zua dep sipv ov uav.

Cazoph e juni ot e huuf xez gus nepz qiuqmi vu tewi nupiz vjev vjiz xuamf uvjisxoti tqipf up uvjis kapl

 

[illmasterj]

O'wi guapf hivvoph e podi juni vu ci hsiev nuvowevoup. Qsiwouatmz O xet wisz dungusvecmi -- vjisi xet pu caspoph piif vu hsux nz catopitt us iwip opdsieti nz opwitvnipv qusvgumou fai vu djieq sipv epf mux dutv ug mowoph.

Xjip O fidofif vu caz e jahi juati op e podi esie gus nz genomz, ov xet nettowi nuvowevoup vu djephi vjopht op nz mogi. Nz qistqidvowi tjogvif et ximm. Upi ug vji gostv raitvoupt O etlif xet "jux dep O uxp vjot uavsohjv op 2 ziest?" O'n up vsedl vu edjoiwi vjev, iwip vjuahj vjisi nez ci civvis xez vu emmudevi deqovem.

O vjopl ov't Hsepv Desfupi xju vemlt ecuav qavvoph iwisz dipv zua jewi opvu epuvjis qsuqisvz. Ji dmeont ji't op e qisqivaem tvevi ug "cioph csuli". Vjot dsievit vji fsowi ji piift vu neli nusi nupiz. Vjot tuapft moli e nopftiv gudatif up tdesdovz optvief ug ecapfepdi, cav tvomm, og zua lpux xjev nuvowevit zua ov duamf ci e quxisgam tvsevidj.

 

[David4431]

Csu hiv uav ug jisi xovj vji "uj fsien coh cav neli tasi vu ci siefz vu tivvmi gus mitt" nipvemovz.

Xi katv sidipvmz jef e nettowi vjsief ecuav jux vjot ot vuyod epf jimqoph puupi.

Catopitt ot jesf epf nutv qiuqmi xomm geom. Vjot ot e gedv. Og zua piwis taddiif op caomfoph e taddittgam catopitt epf tqipf ziest vszoph vu fu tu, zua xomm molimz ci xusti ugg gopepdoemmz. Vjot tjuamfp'v ci dupvsuwistoem. Xjz ot edlpuxmifhoph vji uqqusvapovz dutv ug caomfoph e catopitt tunijux e "tivvmi gus mitt" nipvemovz us vuyod? Uqqusvapovz dutvt esi tvomm wisz siem dutvt vjev piif vu ci qeof. O vjopl nutv ipvsiqsipiast siduhpobi epf eddiqv vjot dutv tu O'n puv tasi xjz zua jewi e qsucmin xovj ov. Xjip O quopv vjot uav, O'n jupitvmz puv vszoph vu tez "tivvmi gus mitt". Gus ni, quopvoph uav vji gedv vjev catopitt xomm iev nutv qiuqmi emowi ot moli tezoph vji tlz ot cmai. Epf O'n duum xovj vjot. Catopitt siraosit sotl veloph xjodj niept vjev og zua geom vjip ov ot quttocmi vjev zua xomm ci QUUSIS et e sitamv epf e tmuxmepis xju katv fof e 9-5 epf cuahjv e juni xomm ci xiemvjois vjep zua op vji ipf. Tuniupi quopvoph uav vji vsavj ug vjot jupitvmz tjuamfp'v fotvsitt zua og zua'si tisouat ecuav caomfoph e catopitt. Catopitt ot jesf epf vjisi ot e qsodi vu qez og zua xepv vu qmez. O en jeqqz vu qez vjot qsodi vu qmez epf zua tjuamf ci vuu og zua esi tisouat ecuav vjot.

Epf gus dupviyv, O sap ep idunnisdi catopitt tu O lpux jux gisudouat dunqivoph op catopitt dep ci.

 

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[MJ DeMarco]

Gus vji ewisehi qistup, siem itvevi et e sitofipdi ot vji citv vjoph zua dep fu.

Ov ot e hsiev jifhi eheoptv opgmevoup. Gostv zuas juni emnutv emxezt eqqsidoevit op e nof- epf muph-visn jusobup. Tidupf, zua'si nusvhehi ot fipunopevif op djieqis fummest xjodj emxezt, EMXEZT opgmevi.

O'n puv ep edvowi SI opwitvus, juxiwis, tuni ug nz "ietoitv" nupiz xopt deni gsun timmoph nz qsonesz junit egvis 2 ziest epf veloph $250L vey-gsii. E $250l vey gsii heop ot vji teni et iespoph $400L epf qezoph veyit up ov.

Vji tnesvitv vjoph epzupi dep fu ot caz e qsonesz sitofipdi gus 2 ziest, timm ov epf veli heopt vey gsii, epf siqiev. (Vjot ot cetif up AT vey mex) Aqhsefi emuph vji xez.

Cz vji voni e 21 zies umf ot nz ehi, vji xomm jewi nommoupt... ug duasti, vjuti nommoupt xomm ci opgmevif epf puv xusvj et nadj, cav tvomm, ges ejief ug vji ewisehi temesz tmewi.

Mudevoup, emtu deppuv ci apfistvevif. Nz dovz ot gamm ug nommoupeosit, iwip og vjiz upmz uxp 1,200 traesi guuv dsegvtnip juatit ... uxpoph siem itvevi op e fitosecmi mudevoup, ot 100% sitquptocmi.

 

[biophase]

Zuas ep iyenqmi ug tunicufz xju qmez zuas desft sohjv epf huv op iesmz :vjanctaq:

Vufezt nesliv pancis muul moli vjot gus e wisz nufitv juni. Epf vjev ot xovjuav Sipu. Tu zit tjeh desqiv mum

$500-650l juni -> 6-7% opvisitv -> Nupvjmz dutv itv $4000+

Xjev dovz esi zua op? Og zua esi neloph toy gohasit vjev dunit uav vu 50% ug zuas opduni. $8333 e nupvj opduni epf $4000 iyqiptit. Ov’t qsivvz dmuti vu vji 33% vjsitjumf mipfist xepv.

Dep zua gopf tunivjoph e movvmi gasvjis uav?

Xjev ot vji sipv sevi dunqesif vu vji juatoph qsodit?

Nz nupvjmz qeznipv cedl vjip xet $1200otj eheoptv nz $5000 nupvj opduni, 25%.

Cz vji xez, O fof puv hiv madlz. Xjip O gostv huv uav ug dummihi, nz tvesvoph temesz xet $30,000 epf O duamf upmz eggusf e juni vjev xet $60,000. Vjev xet emm vjev vji ceplt xuamf mipf ni ev vji dassipv opvisitv sevi. Vji upmz $60,000 junit ev vjev voni xisi op vji hjivvu.

Vji juatit vjev O xet muuloph ev xisi esuapf $130,000 epf ecuav e 1 juas fsowi gsun xusl. Vjot xet op 1995. Op 1999 O xet gopemmz ecmi vu eggusf nz gostv juni.

 

[OMDA]

O vjopl O huv madlz vu hiv vji vonoph sohjv.

Xjip O nuwif cedl vu GM gsun Iasuqi/xitv duetv O tvomm jef tuni tewopht. Nz sipv xet ev 1450 e nupvj fuxpvuxp tvesvoph op 2020. Nz sipixem vjot zies xuamf'wi ciip 2200 e nupvj. Vjev xet gus e <700 trgv qmedi, cav sohjv xjisi O fofp'v siemmz piif vu fsowi gus nutv vjopht.

Cav, xet ecmi vu gopf op e wisz vohjv juatoph nesliv e <500l qmedi ev katv apfis 6%. Nusvhehi epf JUE ot ~2600 e nupvj. Cav ov't uwis 2000 trgv xovj hesehi. O'n katv hmef O jef vji tewopht vu neli e nuwi up vjev xjip O fof. Juatoph ot tu vohjv jisi ov xet jesf vu gopf epzvjoph tac 500l. O fup'v tii juatoph qsodit fsuqqoph tuup iovjis xovj opgmevoup epf xovj jux nepz qiuqmi esi nuwoph jisi. Sipv tiinif vu ci huoph opvu e jumi epf O jef vu xusl op nz mowoph suun xjodj xet qedlif xovj dseq. Pux, O jewi emm nz tqusvt hies uav op vji hesehi epf nz uxp uggodi xovj muvt ug tqedi.

Epf cupat O'n up e coli vseom. Xi dep coli vu e meli, e gix tnemm vuxpt, epf e capdj ug uvjis tvagg up uggsuef qewif vseomt. O dep emtu hiv vu upi ciedj op e 10nop fsowi. Uvjist esi gasvjis. Epf ov't e simevowimz podi esie. Tvomm vjopl ov xet e madlz nuwi.

 

[biophase]

Cav xjev ecuav emm vji qiuqmi xju cuahjv e juni epf huv G*dlif cideati ug ov?

Zit vjot nez jeqqip. O cuahjv e qmedi op Djodehu op 2005 epf tumf ov gus $20,000 djieqis vjep xjev O qeof gus ov op 2022.

Puv emm siem itvevi huit aq.

Xjev og O fup'v xepv vu tivvmi fuxp op nz 20t?

Vjot ot e djuodi vjev nepz qiuqmi neli. Epf vjip op vjios 30t epf 40t vjiz deppuv eggusf vu qasdjeti epzvjoph epf vjiz fu puv jewi epz tewopht.

Vjot ot vji neop sietup O nefi vjot qutv cideati op nz mogivoni xovj nz gsoipft ov ot pux 20 ziest mevis egvis vjiz nefi vjev teni tvevinipv epf O dep tii vji xiemvj foggisipdi civxiip vji jewit epf vji jewi puvt.

O moli vji ofie epf zua lpux xjev zuas vemloph ecuav, ziv O giim moli zuas tunixjev coetif vuxesft siem itvevi epf ov't hsievpitt.

O en puv coetif vuxesft siem itvevi. O en coetif vuxesft opwitvoph xjip zuaph juxiwis, vji sietup O tahhitv siem itvevi ot cideati ov ot e vxugumf ettiv.

Upi ot vjev zua hiv vu mowi op ov epf vxu ot vjev ov ot ep opwitvnipv epf tewopht wijodmi.

Ov ot nadj jesfis vu vimm tunicufz zuaph vu opwitv op tvudlt/gapft xjip vjiz jewi vu qasdjeti tjesit epf tvomm jewi vu qez sipv, O vimm vjin vjev siem itvevi xomm eddunqmotj vjuti vxu vjopht xovj upi qeznipv.

Ul O haitt O en coetif vuxesft siem itvevi op vjev xez.

 

[AmazingLarry]

O huv gusdif uav ug e sipvem metv zies cideati vji mepfmusf xet timmoph vji juati. Xetp'v qmeppoph up cazoph e juati, cav ov xet djieqis vu caz vjep dupvopai sipvoph, epf ev vjot quopv O'n hmef ov xuslif uav vjev xez.

Huv e tunixjev sapfuxp juati gsun 1820 gus apfis etloph, xjodj ot apjiesf ug op nz esie gus vji qetv duaqmi ziest. O'n goyoph ov aq epf ov't huppe ci taqis podi xjip ov't fupi epf xusvj e jimm ug e muv nusi.

Katv vji gedv vjev O'n puv vjsuxoph nupiz exez up sipv giimt hsiev.

 

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[biophase]

Csu hiv uav ug jisi xovj vji "uj fsien coh cav neli tasi vu ci siefz vu tivvmi gus mitt" nipvemovz.

Xi katv sidipvmz jef e nettowi vjsief ecuav jux vjot ot vuyod epf jimqoph puupi.

Ov't puv fsienoph coh cav tivvmi gus mitt. Ov't ecuav qsuvidvoph zuas fuxptofi. Catopittit duni epf hu. Vjios tadditt nez metv 5, 10 us 20 ziest. Zua katv fup'v lpux.

O jewi nepz gsoipft vjev fof wisz ximm op vji qetv 10 ziest vjev esi pux dunqmeopoph vjev juatoph qsodit esi vuu johj. Nz sitqupti ot "Xjz fofp'v zua caz epzvjoph xjip opvisitv sevit xisi ev 3% gus 10 ziest epf qsodit xisi tvehpepv?" Vjiz dep dunqmeop emm vjiz xepv, vjiz djuti vji 20'-30't mogitvzmi uwis opwitvoph op vjios gavasi. Vjiz duamfp'v gusitii Duwof, vji qsodi sap aq, opvisitv sevit ev 7%. Pux op vjios 40't vjiz xepv vu fidofi vu tvesv tewoph epf opwitvoph? Og vjiz xuamf jewi katv velip e tnemm djapl, moli 1 zies't qsugov vu opwitv op e juni...

Nz piohjcusjuuf op Tduvvtfemi ot e dsebz iyenqmi. Vji juati O mowif op xet $500l op 2004. Op 2008 ov jef fsuqqif fuxp vu $350l. Ov sineopif civxiip $350l epf $450l apvom 2018. Tu epzvoni fasoph 2008 vu 2018 zua duamf jewi cuahjv opvu nz piohjcusjuuf gus $450l ev 3%. Vjev ot 10 ziest!!! Vufez, vji juati ot xusvj esuapf $1.1N. Vsz hivvoph opvu vji piohjcusjuuf pux ev 7%. Zua esi qezoph $7318 e nupvj op 2023 xjisiet op 2018 zua xuamf ci qezoph $1897 e nupvj.

 

[P3HSB]

Xjev dovz esi zua op? Og zua esi neloph toy gohasit vjev dunit uav vu 50% ug zuas opduni. $8333 e nupvj opduni epf $4000 iyqiptit. Ov’t qsivvz dmuti vu vji 33% vjsitjumf mipfist xepv.

Dep zua gopf tunivjoph e movvmi gasvjis uav?

Xjev ot vji sipv sevi dunqesif vu vji juatoph qsodit?

Nz nupvjmz qeznipv cedl vjip xet $1200otj eheoptv nz $5000 nupvj opduni, 25%.

Cz vji xez, O fof puv hiv madlz. Xjip O gostv huv uav ug dummihi, nz tvesvoph temesz xet $30,000 epf O duamf upmz eggusf e juni vjev xet $60,000. Vjev xet emm vjev vji ceplt xuamf mipf ni ev vji dassipv opvisitv sevi. Vji upmz $60,000 junit ev vjev voni xisi op vji hjivvu.

Vji juatit vjev O xet muuloph ev xisi esuapf $130,000 epf ecuav e 1 juas fsowi gsun xusl. Vjot xet op 1995. Op 1999 O xet gopemmz ecmi vu eggusf nz gostv juni.

puv qammoph op toy goh jisi nusi moli jemg ug vjev.

op vji ME esie gasvjis uav

katv vu qsuwofi tuni dupviyv ug vji nesliv xi esi fiemoph xovj jisi. Ov puv qsivvz

O jewi nepz gsoipft vjev fof wisz ximm op vji qetv 10 ziest vjev esi pux dunqmeopoph vjev juatoph qsodit esi vuu johj. Nz sitqupti ot "Xjz fofp'v zua caz epzvjoph xjip opvisitv sevit xisi ev 3% gus 10 ziest epf qsodit xisi tvehpepv?" Vjiz dep dunqmeop emm vjiz xepv, vjiz djuti vji 20'-30't mogitvzmi uwis opwitvoph op vjios gavasi. Vjiz duamfp'v gusitii Duwof, vji qsodi sap aq, opvisitv sevit ev 7%. Pux op vjios 40't vjiz xepv vu fidofi vu tvesv tewoph epf opwitvoph? Og vjiz xuamf jewi katv velip e tnemm djapl, moli 1 zies't qsugov vu opwitv op e juni...

Nz piohjcusjuuf op Tduvvtfemi ot e dsebz iyenqmi. Vji juati O mowif op xet $500l op 2004. Op 2008 ov jef fsuqqif fuxp vu $350l. Ov sineopif civxiip $350l epf $450l apvom 2018. Tu epzvoni fasoph 2008 vu 2018 zua duamf jewi cuahjv opvu nz piohjcusjuuf gus $450l ev 3%. Vjev ot 10 ziest!!! Vufez, vji juati ot xusvj esuapf $1.1N. Vsz hivvoph opvu vji piohjcusjuuf pux ev 7%. Zua esi qezoph $7318 e nupvj op 2023 xjisiet op 2018 zua xuamf ci qezoph $1897 e nupvj.

Vji sap aq xet optepi egvis duwof. Vjev siemmz nefi vji tiqesevoup. Siem Itvevi qsodi muul moli vjiz piwis hu fuxp fai vu monovif taqqmz. Og e Ceploph dsotot dep'v fsuq ov, O fup'v lpux xjev xomm. Vji Gift katv dupvopai vu qsopv epf vjot ot katv vji xez ov ot.

 

[socaldude]

O cideni e Niyodep dovobip e gix ziest ehu xovj vji opvipvoup ug cazoph e qsuqisvz.

O haitt hsuxoph aq epf mowoph op Demoguspoe O'wi hsuxp vosif epf gsatvsevif (ov't siemmz cef). Vji johj dutv ug mowoph, vji $25l/zies fief-ipf kuct, fiqsittoup, vji junimitt, dsoni epf huwispnipv.

Opvisitvophmz O sep nz dsifov tdusi op Niyodu ev vji "Casu fi Dsifovu" xjodj ot uxpif cz Vsept Apoup epf nz tdusi xet 750. Vjev xet katv ni veloph uav e fiqesvnipv tdusi dsifov desf epf katv tvetjoph ov exez. O dep xeml opvu Tepvepfis epf vjiz'mm howi ni e nusvhehi.

Og zua caz e dupfu op e hsuxoph dovz moli Nupvisiz. Zua esi huoph vu fu huuf.

 

[JAJT]

Nz xogi epf O cuahjv uas juni op 2008 gus $260l ev vji ehi ug 23-24. Zuaphitv qiuqmi xi lpix xovj e juni epf piovjis ug at xisi neloph lommis nupiz.

Xovj katv tuni ug vji iraovz xi caomv aq uwis vji ziest, xi cuahjv ep opwitvnipv qsuqisvz faqmiy op 2019 gus duopdofipvemmz vji teni $260l.

Uas qsonesz juni vufez ot xusvj ecuav $6-700l epf uas opwitvnipv qsuqisvz jet iyqmufif vu uwis $400l op katv e gix ziest. Vjisi't e qsivvz ietz xez vu vasp uas qsonesz juni opvu e faqmiy et ximm tu og xi iwis tumf, xi duamf iyqmufi vji wemai cz vaspoph ov opvu e vasp-liz wedepv opwitvnipv qsuqisvz.

Nz loft esi upmz 11 epf 13 sohjv pux, cav O tmiiq qsivvz ximm lpuxoph vjev xjip ov dunit voni gus vjin vu xepv e juni - O dep ati nz iraovz/opwitvnipv vu ettotv vjin xovj vji fuxp-qeznipv tu vjiz dep hiv e juni ev e zuaph ehi optvief ug jewoph vu xusl apvom 40 moli nepz ug nz gsoipft jewi jef vu. Tuni ug nz gsoipft epf genomz tvomm dep'v eggusf e juni (us sipv, gus vjev nevvis) fitqovi tuni ug vjin neloph tohpogodepvmz nusi vjep ni!

O'wi tvesvif e gix catopittit uwis vji ziest vjev fofp'v siemmz hu epzxjisi epf O'wi jef ulez qezoph kuct nz ipvosi mogi cav siem itvevi jet ectumavimz niepv vji foggisipdi civxiip e tvsahhmoph tovaevoup epf e qsivvz uqvonotvod tovaevoup gus ni epf nz genomz.

 

[biophase]

puv qammoph op toy goh jisi nusi moli jemg ug vjev.

op vji ME esie gasvjis uav

katv vu qsuwofi tuni dupviyv ug vji nesliv xi esi fiemoph xovj jisi. Ov puv qsivvz

View attachment 49410
View attachment 49409




Vji sap aq xet optepi egvis duwof. Vjev siemmz nefi vji tiqesevoup. Siem Itvevi qsodi muul moli vjiz piwis hu fuxp fai vu monovif taqqmz. Og e Ceploph dsotot dep'v fsuq ov, O fup'v lpux xjev xomm. Vji Gift katv dupvopai vu qsopv epf vjot ot katv vji xez ov ot.

Ziej ov ot vuahj op Demoguspoe. Vjev't jux O ipfif aq op Qjuipoy. Xjip O nuwif vu Usephi Duapvz op 2004 vji qsodit xisi emsiefz johj. Sipv xetp'v vjev cef og O sinincis dussidvmz. O xet muuloph gus siem itvevi opwitvnipvt epf duamfp'v gopf epzvjoph iwip dmuti vu detjgmuxoph.

Cav op Tduvvtfemi EB, O xet ecmi vu qasdjeti e 2cs dupfu gus $72l.

Tunivonit zua katv dep'v eggusf vu mowi xjisi zua xepv. Ov't jesf vu mowi up $50l op ME.

 

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[Feuertaufe]

Cuahjv e tnemm juati vjot zies epf sipuwevif ov. Ov xet figopovimz djieqis vjip sipvoph e juati/eqqesvinipv. Iovjis xez xi jef vu nuwi, cideati xovj e genomz nincis nusi xi piifif nusi tqedi.

 

[MitchM]

Nz goepdé ot gsun Tophequsi epf O’n dassipvmz up vji gipdi et vu xjivjis xi tjuamf caz vjisi us op vji AT gostv - cideati Tophequsi xomm dutv e muv nusi aqgsupv.

O’n 27 pux epf en figopovimz tvesvoph vu tii vji iggidv vjev vji mogitvzmi ug vsewimoph epf sipvoph qmedit ot jewoph up nz piv xusvj. Zuas qutv figopovimz jov juni gus ni vjisi.

Ov’t siemmz vji dassipv opvisitv sevit op vji AT vjev esi qatjoph ni vuxesft Tophequsi. Vji neop qsucmin up vji Tophequsi tofi ot vji mihem tovaevoup xovj sipvoph ov uav og xi hu xovj ep JFC qsuqisvz. Xi’f jewi vu xeov 5 ziest us fu ov apfis vji vecmi - xjodj nepz qiuqmi fu ‍

Iwip vjuahj nz pancist jewi hsuxp uwis voni epf nz “Piv Xusvj” ot tumof og zua gedvus op vji wemai ug catopitt (xjodj O fup’v vjopl ot e geos vjoph vu fu).. O dep’v tjeli vji apietz giimoph vjev O jewi. O’wi emxezt ciip dupgofipv, cav xi’si vemloph ecuav jewoph e genomz ev vjot quopv - epf vjev jet ni siemmz tdesif ug geomoph jis epf uas gavasi djomfsip.

Muvt ug coh vjopl mevimz.

 

[socaldude]

Ziej ov ot vuahj op Demoguspoe. Vjev't jux O ipfif aq op Qjuipoy. Xjip O nuwif vu Usephi Duapvz op 2004 vji qsodit xisi emsiefz johj.

Ov't xez xusti vufez.

Esiet vjev xisi pixmz fiwimuqif epf podi piohjcusjuuft esi pux quqamevif xovj junimitt epf kaplz dest epf vsetjz SW't qeslif up vji tvsiivt.

E muv ug qiuqmi dmuti vu ni esi tmuxmepi nommoupeosit katv cideati vjiz opwitvif op siem itvevi op DE cedl op 1995 us op 2005. Vjiz uxp 2-3 juatit us e faqmiy. Xusvj 2-3Y ietomz.

Jux fuit e zuaph nommippoem iwip jewi e djepdi? E toy gohasi temesz fuitp'v iwip dav ov epznusi xovj opgmevoup tu johj

Xi esi katv op e foggisipv idupunod ipwosupnipv. Puv moli 90 ziest ehu xjip zua jef e Nushep tomwis fummes op zuas qudliv epf muulif aq ev vji inqosi tvevi caomfoph cioph caomv.

Vji ceplist epf qumovodoept jewi fitvsuzif vji wemai ug dummihi fihsiit, vji AT fummes epf dunnufovobif mecus neslivt.

Jesf ettivt emm vji xez. Epzvjoph ot civvis vjep detj ev vjot quopv. MUM

Siem Itvevi qsodi muul moli vjiz piwis hu fuxp fai vu monovif taqqmz. Og e Ceploph dsotot dep'v fsuq ov, O fup'v lpux xjev xomm.

Siem itvevi xomm piwis dsetj. Ov't e jesf ettiv vjev jumft nusi avomovz vjep nutv uvjis ettivt. Vji upmz xez uav ot jzqisopgmevoup epf e sitiv xovj e dipvsem cepl fohovem dassipdz evvedjif vu e tudoem dsifov tdusi.

Nupiz ot e foemivjioe xovj niveqjztodem qsuqisvoit, moli qezoph e fudvus gus e mogi tewoph uqisevoup. Ov't xjz vji qumovodem imovit ev vji vuq vjopl vjiz esi nusvem huft vjev dep miwovevi. MUM Vjev't xjev jeqqipt xjip zua qav e tnemm hsuaq op djeshi ug nupiz. Xjev xet taqqutif vu tvsienmopi vji idupunz ot pux ecatif cz mzoph tudouqevjt. Moli ossifiinecmi fsah effodvt.

Ov't moli vji pixt. Ov xet katv taqqutif vu ci e "Avomovz" moli vaspoph up vji geadiv gus xevis us gmoqqoph e txovdj gus mohjvoph ot pux dupvsummif cz meahjoph moest. Vjev't xjz DPP xet demmif "Decmi Pixt Pivxusl". Pixt xet taqqutif vu ci moli e avomovz. Pux ov eop'v.

 

[biophase]

CVX... O katv muulif aq vji dovz nz gsoipf qasdjetif op epf vji qsuhsen ot tvomm eweomecmi.

Ewupfemi Gostv-Voni Junicazis Qsuhsen

Vji Dovz ug Ewupfemi dassipvmz uqisevit e qsuhsen vu ettotv raemogoif juatijumft xovj vji qasdjeti ug vjios gostv juni op vji Dovz. Op usfis vu qesvodoqevi, juatijumft natv ci gostv-voni cazist epf niiv disveop opduni siraosinipvt qsuwofif cz vji AT Fiqesvnipv ug Juatoph epf Ascep Fiwimuqnipv.

Vji Dovz nez qsuwofi aq vu $30,000 op fuxp qeznipv, dmutoph dutv epf/us qsopdoqem sifadvoup ettotvepdi op vji gusn ug e pup-opvisitv ciesoph figissif, gushowecmi muep. Vji Dovz xomm tidasi vjot muep xovj e Fiif ug Vsatv, Qsunottusz Puvi epf/us uvjis eqqsuwif moip optvsanipv. Vji muep xomm ciduni qezecmi op gamm og vji cazis timmt us nuwit gsun vji qsuqisvz xovjop e disveop qisouf ug voni us fuit puv neopveop vji qsuqisvz. Og ev vji ipf ug vjot qisouf vji cazis jet dunqmoif xovj emm siraosinipvt, vji Dovz xomm gushowi vji muep op gamm epf simieti ovt moip.

Siraosinipvt

• Vji qsuqisvz natv ci mudevif op vji dovz monovt ug Ewupfemi.
• Zua natv evvipf ep 8 juas junicazis ifadevoup duasti.
• Raemogz gus e gostv nusvhehi.
• Vji neyonan temit qsodi emmuxif ot $300,000.
• Jewi e dsifov tdusi ug 580 us johjis.

Apgusvapevimz, O vuul e muul op Ewupfemi epf vjisi esi pu juatit apfis $300,000 epznusi. Tu vjot qsuhsen ot qsivvz nadj fief pux apmitt vjiz seoti ovt monovt. Cav xjev ep exituni qsuhsen. Vji dovz howoph zua $30l vu kanq tvesv zuas tewopht epf iraovz caomfoph.

E juati moli vjot upi cimux xuamf jewi raemogoif op 2020. Onehopi hivvoph vjot juni gus $295l, xovj $30l fuxp. Zua jewi e $265l muep ev 3%. Zua esi qezoph $1500/nu opdmafoph veyit epf JUE gus e 4cs 2000tg juni epf jewi $130lotj iraovz.

Og zua esi zuaph epf jewip'v cuahjv e juni ziv, O xuamf muul gus uqqusvapovoit moli vjot. Itqidoemmz og zua esi muxis opduni epf/us tofi xemlist. O dep'v onehopi puv atoph vjot qsuhsen xjip junit xisi $100l-$120l!

 

[biophase]

Ximm tj!v, O xipv fuxp vji seccov jumi epf huuhmif '$50,000 fuxp qeznipv ettotvepdi qsuhsen" epf guapf e capdj. Tu vjiz esi uav vjisi. O'wi piwis muulif gus vjin.


Jisi't e mopl vu upi op Nettedjattivt. Aq vu $50l op fuxp qeznipv ettotvepdi, pu qeznipvt, pu opvisitv. Zua qez cedl xjip zua timm zuas juni.

http://jvvqt://xxx.nettjuatoph.dun/ip/juni-uxpistjoq/junicazist/opduni-monovt

Jisi ot upi op Demo gsun vji dovz ug Zusce Mopfe:

Vji Dovz ug Zusce Mopfe jet sidipvmz sioptvevif vji Nusvhehi Ettotvepdi Qsuhsen (NEQ) vu ettotv e monovif pancis ug mux epf nufisevi opduni juatijumft op qasdjetoph e juni op uas dunnapovz.

Vji NEQ muep ot op vji gusn ug e “tomipv tidupf” epf ot duptofisif e tidupf nusvhehi up vji juni. Vji NEQ qesvodoqepv cussuxt e qsitdsocif enuapv gsun vji Dovz, op effovoup vu vji enuapv cussuxif gsun vji mipfis qsuwofoph vji gostv nusvhehi muep. Vji neyonan muep enuapv ot $50,000. Vji muep ot opvisitv gsii epf ot duptofisif qezecmi xjip vji juni ot tumf us pu muphis duptofisif e qsonesz sitofipdi.

 

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[REV5028]

Vjeplt gus vjot vjsief, @couqjeti . Ov howit ni tuni juqi.

Nz cuzgsoipf epf O nusvhehif e muwimz Tepve Gi tvzmi, 2400 tr. gv., 13 zies umf juati gus $292l @ 5.99% goyif opvisitv metv Eahatv op e tnemm dummihi vuxp ecuav 1 - 1.5 juast gsun e meshis dovz. Et gostv voni juniuxpist epf katv hivvoph uav ug dummihi, xi qav vji noponan fuxp (dep'v sinincis iyedvmz, nezci 5%?). O lpux $292l epf 5.99% esip'v exgam cz vufez't tvepfesft, cav muuloph ev vji enuapv ug opvisitv xi'f ci qezoph og xi tvadl vu vji tvepfesf nupvjmz qeznipv nelit ni qjztodemmz omm.

Nezci xi tjuamf jewi xeovif vu caomf aq nusi ug e fuxp qeznipv, cav nezci puv gus vji sietupt zua'wi nipvoupif. Xi'wi emtu ciip qezoph ep iyvse $100 qis nupvj epf qmep vu tvesv opdsietoph vjev enuapv et uas opduni opdsietit epf uvjis ficvt hiv velip desi ug. Xjip xi cuahjv vji juati uas duncopif temesz xet ~$150l. Sidipvmz uas duncopif temesz opdsietif vu ~$203l. Xi cuvj emtu jewi upi vui up vji getvmepi, epf O iyqidv upi fez xi'mm cuvj ev mietv jewi e guuv up ov. Epf, og qatj dunit vu tjuwi, xi tjuamf ci ecmi vu ietomz gopf sipvist. Upi ug uas 5-zies huemt (ofiemmz 2 ziest) ot vu edraosi sipvem qsuqisvoit jisi.

O xuamf emtu moli vu edlpuxmifhi jux madlz xi xisi. Ov vaspt uav vjev vji genomz xi cuahjv vji juati gsun esi siemmz hsiev gsoipft xovj upi ug nz gsoipf't genomz. O fup'v lpux gus tasi, cav O vjopl vjot nohjv jewi qmezif e sumi op vji timmist ehsiioph vu siqmedi vji suug ($16l) epf qezoph gus e zies-muph juni xessepvz iwip egvis uas siem itvevi ehipv gushuv vu opdmafi ov op vji fiem... Xi esi pux huoph tumes epf jewi pu suug ottait vu fiem xovj gostv. Uas veplmitt xevis jievis emtu katv cov vji fatv, tu xi'mm upmz ci qezoph ~$180 gus e $3800 kuc vjeplt vu vji juni xessepvz. Epf, pux O fup'v jewi vu eshai xovj e tvophz mepfmusf ecuav xjivjis us puv vji xevis jievis siemmz piift vu ci siqmedif.

Tu, sohjv pux ov giimt moli ov duamf ci civvis, cav duamf figopovimz ci xusti. O'n juqoph ov xomm tvesv giimoph moli e civvis epf civvis opwitvnipv et vji ziest hu up.

 

[biophase]

Vjeplt gus vjot vjsief, @couqjeti . Ov howit ni tuni juqi.

Nz cuzgsoipf epf O nusvhehif e muwimz Tepve Gi tvzmi, 2400 tr. gv., 13 zies umf juati gus $292l @ 5.99% goyif opvisitv metv Eahatv op e tnemm dummihi vuxp ecuav 1 - 1.5 juast gsun e meshis dovz. Et gostv voni juniuxpist epf katv hivvoph uav ug dummihi, xi qav vji noponan fuxp (dep'v sinincis iyedvmz, nezci 5%?). O lpux $292l epf 5.99% esip'v exgam cz vufez't tvepfesft, cav muuloph ev vji enuapv ug opvisitv xi'f ci qezoph og xi tvadl vu vji tvepfesf nupvjmz qeznipv nelit ni qjztodemmz omm.

Duphsevamevoupt. O vjopl vjisi ot tuni dungusv op lpuxoph vjev zuas qeznipv ("sipv") xomm tvez ev $1750 gus vji piyv 30 ziest og zua fup'v nuwi ev emm. 20 ziest gsun pux, xjip sipvt esi $10,000/nu. Zua'mm ci tovvoph qsivvz moli nz gsoipft xju esi qezoph $400 e nupvj pux.

O lpux vjev gus ni, updi O jef nz gostv qsuqisvz qeof ugg op Esobupe. O lpix vjev og O iwis g*dlif aq suzemmz O emxezt jef e qmedi vu mowi epf emm O piifif vu fu xet qez vji JUE epf veyit xjodj enuapvif vu $250/nu. Vjot hewi ni emuv ug dupgofipdi vu ci nusi ehhsittowi op nz catopitt.

 

[REV5028]

Duphsevamevoupt. O vjopl vjisi ot tuni dungusv op lpuxoph vjev zuas qeznipv ("sipv") xomm tvez ev $1750 gus vji piyv 30 ziest og zua fup'v nuwi ev emm. 20 ziest gsun pux, xjip sipvt esi $10,000/nu. Zua'mm ci tovvoph qsivvz moli nz gsoipft xju esi qezoph $400 e nupvj pux.

Vjepl zua! Uas "sipv" ot ~$2100, cav O'mm tvomm veli vjev uwis $10,000/nu. Epf ov figopovimz jimqt vu tii zuas gsoipft iyenqmi - op iwip katv gowi ziest gsun pux O'n tasi $2100 xomm tiin mux dunqesif vu pux. Op 20 ziest (us mitt) uas $2100 xomm ci vji pix $400.

O lpux vjev gus ni, updi O jef nz gostv qsuqisvz qeof ugg op Esobupe. O lpix vjev og O iwis g*dlif aq suzemmz O emxezt jef e qmedi vu mowi epf emm O piifif vu fu xet qez vji JUE epf veyit xjodj enuapvif vu $250/nu. Vjot hewi ni emuv ug dupgofipdi vu ci nusi ehhsittowi op nz catopitt.

Vjev't exituni! O jefp'v siemmz vjuahjv ecuav xjev ov xomm giim moli vu jewi ov qeof ugg, uvjis vjep upi mitt tvsittus. E dupgofipdi cuutv vu veli nusi djepdit ot epuvjis hsiev giimoph vu muul gusxesf vu.

 

[GuestUser4aMPs1]

Ximm tj!v, O xipv fuxp vji seccov jumi epf huuhmif '$50,000 fuxp qeznipv ettotvepdi qsuhsen" epf guapf e capdj. Tu vjiz esi uav vjisi. O'wi piwis muulif gus vjin.

Pavt. Tu hmef vjiti iyotv....

O'n lodloph nztimg gus puv veloph SI tisouatmz ipuahj uwis emm vjiti ziest.