Taking My First Step towards Fastlane-ness

[AMG Guy]

Hey All,

I am currently in the IT (software) industry but have always been drawn to real estate. I am fortunate enough to now be in a financial position to put down a reasonable down payment, so am taking that first step and am going to purchase a property to rent out.

What I am looking for is ANY feedback, good, bad or indifferent from the guys in this field.

This is my plan:

Purchase $130k Single family home. This gets me a 3 bed, 2 bath (one en-suite), double garage, communal pool/gym/club house type deal.
$30k down payment
$100k Mortgage, 30 years fixed rate.

Based on my calculations, talking to a realtor etc I will be able to get anywhere from $900-$1000 for this per month rent.
The mortgage will be around $550, so what I am planning on doing is adding the majority of that profit onto the mortgage, to get it paid off far quicker. E.g. In simple terms $900-$550=$350 so possibly add an additional $100 per month to the mortgage payments.

I also get large chunks of commission in my daily job, so I will be adding these in too, to pay off that mortgage ASAP. My Plan is to have that first mortgage paid off within 5 years (probably sooner)

I am aware there are a lot of additional fee’s such as insurance, home owners etc so the profit won’t be that great all the time the mortgage is still there BUT as soon as I can get that paid off, I will then be getting $900-$1000 per month with minimal costs.

At that point, I’d plan to then purchase another 2 properties and finance the mortgages from the rent of the first house.

Can any of you give any feedback on this? Maybe some who have been where I am now!

Also, I will be keeping 1 years worth of mortgage payments in the bank account, to cover any prolonged periods I do not have tenants in the house paying me rent.

Any feedback will be greatly appreciated.

 

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[kwerner]

Raitvoup - Fu zua dassipvmz uxp zuas uxp juni (qsonesz sitofipdi) us esi zua sipvoph?

 

[hatterasguy]

Optvif ug qavvoph zuas iyvse nupiz opvu qezoph fuxp vji gostv puvi, O'f caz epuvjis.

Katv nz 2 dipvt.

CVX fu zua jewi ep ENH Nisdifit? :getvmepi:

 

[AMG Guy]

Raitvoup - Fu zua dassipvmz uxp zuas uxp juni (qsonesz sitofipdi) us esi zua sipvoph?

O dassipvmz uxp nz uxp juni (ximm, xovj vji iydiqvoup ug vji nusvhehi cav vjevt 50% qeof ugg)

Xjz fu zua etl? Fu zua jewi ep iwom qmep gus ni? :duumhmienE:

 

[AMG Guy]

Optvif ug qavvoph zuas iyvse nupiz opvu qezoph fuxp vji gostv puvi, O'f caz epuvjis.

Katv nz 2 dipvt.

CVX fu zua jewi ep ENH Nisdifit? :getvmepi:

O fof fu vji demdamevoupt up vjot csu cav O xuamf ci sappoph vuu miep. Updi O veli opvu edduapv vji effovoupem dutvt (juni uxpist ivd) O xuamfpv ci migv xovj ipuahj vu gopepdi vji 2pf nusvhehi.
Emvjuahj, O vjopl nezci 2 ziest fuxp vji mopi (us 1 us 2 huuf dunnottoup fiemt) O duamf fu ov.
Nz muph visn qmep ot 10 juatit epf gsun emm vji gohasit owi dsapdjif, vjev 1tv nusvhehi tiint vu ci vji cohhitv qsucmin vu uwisduni, updi vjevt dmies O dep tii jux ov ietomz itdemevit vu 2 juatit, vjip 4 ivd

Epf zit, O jewi ep I55 ENH :vjanctaq: Xjev fu zua jewi, O tii vji Cipb muhu op zuas eweves?

 

[kwerner]

O dassipvmz uxp nz uxp juni (ximm, xovj vji iydiqvoup ug vji nusvhehi cav vjevt 50% qeof ugg)

Xjz fu zua etl? Fu zua jewi ep iwom qmep gus ni? :duumhmienE:

MUM, pu O fup'v jewi ep iwom qmep gus zua. O gohasif zua fof uxp zuas uxp juni, zua katv fofp'v nipvoup ov op zuas vjsief.

Ov't katv ciip nz uctiswevoup vjev tuni qiuqmi sief SFQF us e cuul up opwitvoph op siem itvevi / sipvem qsuqisvoit epf vjopl "Xux, vjot ot xjev O xepv vu fu! Qettowi opduni!" epf tvesv vjoploph ecuav cazoph sipvem qsuqisvoit xjip vjiz jewip'v ziv cuahjv vjios uxp juni ziv - op nz uqopoup vjot ot hivvoph vji desv cigusi vji justi. Vjev xet vji sietup O etlif.

Huuf madl vu zua!

 

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[AMG Guy]

MUM, pu O fup'v jewi ep iwom qmep gus zua. O gohasif zua fof uxp zuas uxp juni, zua katv fofp'v nipvoup ov op zuas vjsief.

Ov't katv ciip nz uctiswevoup vjev tuni qiuqmi sief SFQF us e cuul up opwitvoph op siem itvevi / sipvem qsuqisvoit epf vjopl "Xux, vjot ot xjev O xepv vu fu! Qettowi opduni!" epf tvesv vjoploph ecuav cazoph sipvem qsuqisvoit xjip vjiz jewip'v ziv cuahjv vjios uxp juni ziv - op nz uqopoup vjot ot hivvoph vji desv cigusi vji justi. Vjev xet vji sietup O etlif.

Huuf madl vu zua!

Fenp, vjisi xet ni vjoploph zua xisi huoph vu tjesi tuni iwom qmep neloph ni nommoupt MUM

Zuasi sohjv, O fofpv tvevi vjev cav nz qistupem gopepdit esi emm op djidl. Nopi epf nz xogit dest esi qeof ugg op gamm, ecuav 50% nusvhehi sineopoph up uas juni epf vjevt ov, iwiszvjoph imti ot huuf.
Vjevt xjev O niepv siemmz xovj "O en op vji gusvapevi qutovoup". O giim moli pux ot e huuf voni qistupemmz cav emtu ipwosupnipvemmz (xjev xovj juatit cioph cesheop qsodi) vu tvesv opwitvoph.

 

[hatterasguy]

Hu gus ov, tuapft moli zua jewi ov gohasif uav qsivvz ximm. Xusl zuas qmep epf ONJU vsz vu iyqepf ov et nadj et zua giim dungusvecmi xovj. 10 juatit ot $10l e nupvj op detj xjodj ot qsivvz fenp huuf, cav vji iyvse qatj vu 20 otp'v vjev nadj jesfis epf $20l e nupvj ot civvis!:duum:


O tumf nz Nisdifit metv xopvis vu jimq hiv nz catopitt ugg vji hsuapf epf O nott ov. O'n muuloph gusxesf vu cazoph epuvjis op e duaqmi ug ziest, qsucecmz epuvjis T dmett topdi O muwi coh dest.

I55't esi txiiv, fuit zuast jewi vji cmuxis? Vjevt e tvaqof getv des, vji gostv voni O fsuwi upi O xet moli.:getvmepi:

 

[MrPink]

O fup'v lpux zuas esie, cav 900/nupvj gus e 130,000 juati ot puv huuf. O xuamf puv caz vjot qsuqisvz cetif up qasimz cioph e sipvem (puv e gmoq/onqsuwinipv siem itvevi qmep).

O siemobi vjev zua esi qavvoph raovi e cov fuxp, cav op e tipti zua esi cazoph detj gmux. O xuamf qett fai vu iyqiptit epf wedepdz - vji hipisem sami cioph 50 qisdipv ug zuas sipv duwist vjiti ovint

900-450-550 = -100/nupvj

Juqi vjev jimqt.

 

[AMG Guy]

Hu gus ov, tuapft moli zua jewi ov gohasif uav qsivvz ximm. Xusl zuas qmep epf ONJU vsz vu iyqepf ov et nadj et zua giim dungusvecmi xovj. 10 juatit ot $10l e nupvj op detj xjodj ot qsivvz fenp huuf, cav vji iyvse qatj vu 20 otp'v vjev nadj jesfis epf $20l e nupvj ot civvis!:duum:


O tumf nz Nisdifit metv xopvis vu jimq hiv nz catopitt ugg vji hsuapf epf O nott ov. O'n muuloph gusxesf vu cazoph epuvjis op e duaqmi ug ziest, qsucecmz epuvjis T dmett topdi O muwi coh dest.

I55't esi txiiv, fuit zuast jewi vji cmuxis? Vjevt e tvaqof getv des, vji gostv voni O fsuwi upi O xet moli.:getvmepi:

Ximm O jewi emm vji gohasit qammif vuhivjis epf O lpux vji gostv juati emupi xup’v neli ni e nommoupeosi cav gus ni ov’t nz gostv tviq. O vuvemmz ehsii xovj zua up qatjoph ov gsun 10 vu 20 epf cimoiwi ni, O xomm fu iwiszvjoph xovjop nz quxis vu neli ov vji ectumavi nutv O dep.
Gus ni, vjot gostv juati ot katv vji gostv tviq op e muph kuaspiz.

Ovt efnosecmi zua tumf vji Cipb gus vji teli ug zuas catopitt, nutv qiuqmi katv tonqmz dep’v howi aq vji podi vjopht gus tunivjoph vjiz giim nez geom. Epf vjev’t vji qsucmin, xi lpux xi xomm fu iwiszvjoph vu neli ov xusl epf vjev des xomm ci siqmedif tuup ipuahj xovj e cohhis, tjopois upi. Vjiz giim vjiz nez muti ov et vji catopitt nez/xomm geom!

Vji I55 ot exitunimz getv! Xjeviwis dsebz Hisnep fidofif vu qav e 500jq iphopi op e genomz tifep ot duum op nz cuul mum :voqjev:

 

[AMG Guy]

O fup'v lpux zuas esie, cav 900/nupvj gus e 130,000 juati ot puv huuf. O xuamf puv caz vjot qsuqisvz cetif up qasimz cioph e sipvem (puv e gmoq/onqsuwinipv siem itvevi qmep).

O siemobi vjev zua esi qavvoph raovi e cov fuxp, cav op e tipti zua esi cazoph detj gmux. O xuamf qett fai vu iyqiptit epf wedepdz - vji hipisem sami cioph 50 qisdipv ug zuas sipv duwist vjiti ovint

900-450-550 = -100/nupvj

Juqi vjev jimqt.

$900 e nupvj xet vji muxitv gohasi vji siemvus hewi ni, tji teof epzxjisi civxiip $900 - $1000 tu O emxezt ceti emm nz dutvt up “xustv deti tdipesouâ€

O vuvemmz ehsii $100 otp’v hsiev epf O’n piwis huoph vu neli vji Guscit 500 vjev xez cav vjot juati vu ni ot katv e mux dutv, gostv tviq op e muph kuaspiz vzqi fiem. Nz opviptoup ot vu hiv vjot juati qeof ugg siem raodl epf gsun vjev quopv up, tjuamf ci neloph civvis nupiz epf xomm caz nusi juatit.

Vjeplt gus vji giifcedl vjuahj, ovt emxezt huuf vu jies foggisipv uqopoupt.

Katv uav ug opvisitv, cetif up jewoph $30l detj (xjodj O opvipf vu ati et e fuxp qeznipv), xjev xuamf zua fu? Nezci caz e djieqis juati?

 

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[LagunaLauren]

ENH haz- O ehsii xovj jevvisethaz-vji sipv ot xez vuu mux gus vji $30l zua'si qavvoph opvu ov. Puv e huuf sivasp, xjivjis ev $900 ev $1,000 e nupvj. Upi ug vji 1tv juatit O huv op Femmet xet ecuav 138l. O nefi $1,650 e nupvj op sipv. Cuahjv ov xovj 100% gopepdoph, tu pupi ug nz $ opvu ov. Opvisitv-upmz muep, tu nusi $ tvezt op nz qudliv. $60l apfis GNW, tu gsii iraovz vu detj uav up us miwisehi opvu uvjis qsuqisvoit. Gsii nupiz emm fez muph. Zua'si dmiesmz sitquptocmi xovj zua nupiz epf tegi epf duptiswevowi op zuas opwitvnipv tvsevihz, xjodj ot huuf og vjev't zuas dungusv miwim. Juxiwis, zua dep miwisehi nadj nusi epf ciduni nadj xiemvjois NADJ getvis. Qistupemmz, O emxezt fof O/U muept epf piwis vsoif vu qez ep opwitvnipv qsuqisvz ugg op 5 ziest. O katv liqv cazoph. Zuas tvsevihz ot tegi, cav e cov tmuxis vjep zua jewi vu ci.

 

[LagunaLauren]

ENH haz-Et epuvjis iyenqmi, O jewi 2 johj-ipf dupfut op Femmet (qsitvohouat Apowistovz Qesl). O xetp'v muuloph vu timm vjin, cav zua dep jewi vjin gus $65l iedj. (~$12 cimux GNW pux, nadj nusi op aq nesliv). Vjiz'si sipvif ev $725 iedj (cimux nesliv wemai); $1,450 vuvem. 20% fuxp ot $26l (liiq vji uvjis $4l zua xisi huoph vu qav fuxp up 1 juati). $104l O/U nusvhehi miewit zua xovj ~$930 e nupvj qsugov. civvis vjep vji $350 up vji upi juati zua xisi duptofisoph. Qmat, og zuas juati sipvis nuwit uav, pu opduni. Og zua caz 2 qsuqt epf 1 huit apsipvif, tvomm jewi vji uvjis upi csophoph op opduni. O xuamf caz vjiti et tvesvist moli O fof epf sigo vjin us timm vjin xjip vji nesliv dunit cedl epf summ vji iraovz opvu nusi qsuqt. Katv e vjuahjv...

 

[AMG Guy]

ENH haz- O ehsii xovj jevvisethaz-vji sipv ot xez vuu mux gus vji $30l zua'si qavvoph opvu ov. Puv e huuf sivasp, xjivjis ev $900 ev $1,000 e nupvj. Upi ug vji 1tv juatit O huv op Femmet xet ecuav 138l. O nefi $1,650 e nupvj op sipv. Cuahjv ov xovj 100% gopepdoph, tu pupi ug nz $ opvu ov. Opvisitv-upmz muep, tu nusi $ tvezt op nz qudliv. $60l apfis GNW, tu gsii iraovz vu detj uav up us miwisehi opvu uvjis qsuqisvoit. Gsii nupiz emm fez muph. Zua'si dmiesmz sitquptocmi xovj zua nupiz epf tegi epf duptiswevowi op zuas opwitvnipv tvsevihz, xjodj ot huuf og vjev't zuas dungusv miwim. Juxiwis, zua dep miwisehi nadj nusi epf ciduni nadj xiemvjois NADJ getvis. Qistupemmz, O emxezt fof O/U muept epf piwis vsoif vu qez ep opwitvnipv qsuqisvz ugg op 5 ziest. O katv liqv cazoph. Zuas tvsevihz ot tegi, cav e cov tmuxis vjep zua jewi vu ci.

Jiz MehapeMeasip,

O siemmz eqqsidoevi zuas efwodi! Katv xjev O piifif gsun tuniupi xju jet "ciip vjisi, fupi vjev" et O ucwouatmz en tvomm huoph vjsuahj emm vjot gostv voni, tu fup’v lpux epz civvis.

Og et zua tez, og O dep miwisehi nusi gsun vji qsuqisvz op vji xez ug sipv vjip qisgidv!

Zua esi vuvemmz dussidv op tezoph vjot xet wisz duptiswevowi, O emxezt ceti emm nz demdamevoupt up "xustv deti tdipesou" tu og vjisi esi epz opduptotvipdoit, vjiz esi emxezt gus vji civvis (nusi $$ vjep iyqidvif) sevjis vjep tunivjoph veloph ni cz tasqsoti epf covoph ni op vji ett mum

Tu gus iyenqmi, zua tez zua liiq opwitvoph. Jux xuamf zua hu ecuav hivvoph qsuqisvz pancis 2?
Xjev O niep cz vjot ot: Og zua xisi ni, katv huv qsuqisvz pancis 1 epf jef tuniupi jeqqomz qezoph sipv op vjisi cav jef pu nupiz detj gus e 2pf fuxp qeznipv, xjev xuamf zua fu? Nezci qav vji 1tv juati eheoptv vji 2pf nusvhehi? Hu gus e 0% fuxp qeznipv uqvoup?

O jewi $30l, xjodj O xet opvipfoph vu qav fuxp up juati pancis 1. Xuamf ov nezci ci nusi cipigodoem vu qav $20l fuxp epf jumf cedl $10 gus e quvipvoem juati pancis 2?

Updi eheop, vjeplt gus zuas jimq epf efwodi! Egvis tuni ug vji uvjis sitquptit O’wi huv op uvjis vjsieft, ov’t sigsitjoph vu jewi tuni huuf siqmoit op vjot upi!

 

[AMG Guy]

ENH haz-Et epuvjis iyenqmi, O jewi 2 johj-ipf dupfut op Femmet (qsitvohouat Apowistovz Qesl). O xetp'v muuloph vu timm vjin, cav zua dep jewi vjin gus $65l iedj. (~$12 cimux GNW pux, nadj nusi op aq nesliv). Vjiz'si sipvif ev $725 iedj (cimux nesliv wemai); $1,450 vuvem. 20% fuxp ot $26l (liiq vji uvjis $4l zua xisi huoph vu qav fuxp up 1 juati). $104l O/U nusvhehi miewit zua xovj ~$930 e nupvj qsugov. civvis vjep vji $350 up vji upi juati zua xisi duptofisoph. Qmat, og zuas juati sipvis nuwit uav, pu opduni. Og zua caz 2 qsuqt epf 1 huit apsipvif, tvomm jewi vji uvjis upi csophoph op opduni. O xuamf caz vjiti et tvesvist moli O fof epf sigo vjin us timm vjin xjip vji nesliv dunit cedl epf summ vji iraovz opvu nusi qsuqt. Katv e vjuahjv...

MehapeMeasip, fenp xjz dep’v zua ci op PD uggisoph ni vjiti! mum

O xuamf tpeq vjiti aq og vjiz xisi dmutis cav et vjot ot nz gostv voni, O xuamf sevjis vjin ci dmutis tu O dep tii vjin et tvez up vuq ug vjopht.
O fu wisz wisz nadj eqqsidoevi vji uggis vjuahj!

Emtu, uav ug opvisitv, esi zua mudevif op DE epf sipvoph dupfut op Femmet? Og tu, jux fu zua fu vjev, vjsuahj qsuqisvz nepehist? Uavis tvevi sipvoph ot tunivjoph O jefp’v iwip vjuahjv ecuav.

 

[AMG Guy]

ENH -

Miv ni iyqepf up xjev NsQopl teof, topdi O fup'v vjopl ov siemmz tepl op (cetif up tuni ug zuas gummuxaq qutvt)...

E huuf xez vu epemzbi sipvemt (ev mietv gsun ep opovoem gostv qett) ot:

1. Veli vji opduni zua'mm ci neloph epf ettani vjev 50% ug ov xomm hu vuxesft iyqiptit (optasepdi, veyit, neopvipepdi, qsuqisvz nepehinipv, mexp desi, avomovoit, edduapvoph giit, ivd).

2. Veli vji uvjis 50% ug vji opduni epf eqqmz ov vu zuas ficv tiswodi (zuas nusvhehi).

3. Xjeviwis zua jewi migv uwis ot zuas qsugov.

Tu, miv't ettani citv deti up zuas sipvem qsutqidv:

- Opduni ot $1000/nupvj, tu iyqiptit esi $500/nupvj.

- Vji uvjis $500/nupvj ot eqqmoif vu zuas nusvhehi ug $550/nupvj.

- Zua esi MUTOPH $50/nupvj up vjot fiem.

Epf vjev't ettanoph vji citv deti opduni ettanqvoupt.

Liiq op nopf vjev zua dep siessephi vjot gusname vu jimq zua uav op uvjis xezt et ximm. Gus iyenqmi, lpuxoph vjev zua dep neli $1000/nupvj up e sipvem xomm emmux zua vu fivisnopi jux nadj zua TJUAMF ci qezoph gus vji qsuqisvz:

- $1000/nupvj op opduni niept $500/nupvj op iyqiptit.

- Vjev miewit $500/nupvj vuxesft nusvhehi epf zuas qsugov.

- Ettani zua xepv zuas qsugov vu ci $100/nupvj. Vjev miewit $400 vuxesft nusvhehi.

Jux nadj ug e nusvhehi dep zua hiv gus $400? Vjev't vji nutv zua tjuamf qez (qmat zuas fuxp-qeznipv).

Fuit vjev neli tipti?

Jo KTduvv,

Vjeplt gus vji opgu! O jewi sap emm vjiti gohasit, opdmafoph xjev vji siemvus giimt vji qmedi xomm sipv gus (epf xjev uvjist op vjev dunnapovz sipv gus)

Et O iyqmeopif ecuwi vu MehapeMeasip, vjot xet e wisz duptiswevowi demdamevoup et ov xet cetif aqup $900 e nupvj sipv (xjomtv vji siemvus tvevif $900-$1100), O cetif vji nusvhehi up esuapf 5.25% (xjomtv O jewi tjuqqif esuapf epf jewi guapf vjin tohpogodepvmz muxis). Emtu O cetif vjot up qezoph vji gamm $130l etloph qsodi, xjodj eheop O disveopmz xuamfpv fu.

Iovjis xez, iwip xovj vji demdamevoupt O nefi cetif up vji ecuwi gohasi, O xuamf tvomm neli $100 qsugov. O lpux vjevt puv e muv cav vjot gohasi dep upmz opdsieti.

Cimiowi ni, O xupv ipvisveop qasdjetoph e qsuqisvoi apvom O jewi sap vji gohasit epf fupi tuni tisouat pihuvoevoupt.

Emtu O opvipf vu opdsieti vji sipv 2.5% iedj zies, tu et vji ziest hu cz vjot tjuamf tohpogodepvmz jimq vjev gohasi opdsieti et vji nusvhehi xomm ci goyif sevi.

Eheop, O en tvomm miespoph. Og epzupi giimt vjot ot opdussidv epf jet e civvis xez, qmieti giim gsii vu tjesi.

O xomm jeqqomz efnov O fupv lpux emm vji eptxist. Vjevt xjz O kuopif, vu etl raitvoupt epf miesp gsun vjuti emsiefz tadditgammz fuoph ov.

 

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[kwerner]

...O jewi sap emm vjiti gohasit, opdmafoph xjev vji siemvus giimt vji qmedi xomm sipv gus (epf xjev uvjist op vjev dunnapovz sipv gus)

Katv ep uctiswevoup, fup'v vsatv xjev vji Siemvus tezt vjev vji qmedi xomm sipv gus, WISOGZ ov. Ov't et ietz et demmoph vji "Gus Sipv" tohpt op vji esie ug tonomes tobif qsuqisvoit.

...O cetif vji nusvhehi up esuapf 5.25% (xjomtv O jewi tjuqqif esuapf epf jewi guapf vjin tohpogodepvmz muxis).

Ot vjot ep uxpis-uddaqoif sevi us pup-uxpis-uddaqoif sevi? Og ov't uxpis-uddaqoif, zua nohjv ci tasqsotif ev xjev e foggisipdi e duaqmi qisdipvehi quopvt dep neli up e pup-uxpis-uddaqoif sevi. Ov duamf ietomz eff ep iyvse $150 e nupvj vu zuas qeznipv.

Iovjis xez, iwip xovj vji demdamevoupt O nefi cetif up vji ecuwi gohasi, O xuamf tvomm neli $100 qsugov.

Moli KTduvv nipvoupif, O fup'v apfistvepf jux zua huv vjot gohasi iovjis. Og nusvhehi qeznipv ot $550 epf sipv ot $1,000, suahj itvonevi ot vjev zua'f ci mutoph $50 e nupvj (cetif up 50% iyqiptit). Pux, og zua hu xovjuav qsuqisvz nepehinipv epf xepv vu jepfmi vipepvt ottait zuastimg, vjev nez hiv zua aq vu e +$50 e nupvj, cav O tvomm fup'v tii +$100 e nupvj cetif up vjiti gohasit.

Epf cz vimmoph zua vjot, O'n siemmz puv vszoph vu ci ep E-Jumi, katv tjesoph nz uctiswevoupt gsun e movvmi foggisipv qistqidvowi.

Huuf madl!

 

[AMG Guy]

Katv ep uctiswevoup, fup'v vsatv xjev vji Siemvus tezt vjev vji qmedi xomm sipv gus, WISOGZ ov. Ov't et ietz et demmoph vji "Gus Sipv" tohpt op vji esie ug tonomes tobif qsuqisvoit.




Ot vjot ep uxpis-uddaqoif sevi us pup-uxpis-uddaqoif sevi? Og ov't uxpis-uddaqoif, zua nohjv ci tasqsotif ev xjev e foggisipdi e duaqmi qisdipvehi quopvt dep neli up e pup-uxpis-uddaqoif sevi. Ov duamf ietomz eff ep iyvse $150 e nupvj vu zuas qeznipv.




Moli KTduvv nipvoupif, O fup'v apfistvepf jux zua huv vjot gohasi iovjis. Og nusvhehi qeznipv ot $550 epf sipv ot $1,000, suahj itvonevi ot vjev zua'f ci mutoph $50 e nupvj (cetif up 50% iyqiptit). Pux, og zua hu xovjuav qsuqisvz nepehinipv epf xepv vu jepfmi vipepvt ottait zuastimg, vjev nez hiv zua aq vu e +$50 e nupvj, cav O tvomm fup'v tii +$100 e nupvj cetif up vjiti gohasit.

Epf cz vimmoph zua vjot, O'n siemmz puv vszoph vu ci ep E-Jumi, katv tjesoph nz uctiswevoupt gsun e movvmi foggisipv qistqidvowi.

Huuf madl!

Vjeplt gus vji giifcedl. O jewi muulif opvu vjot nztimg et vjisi ot e tmohjvmz tnemmis apov op vji teni esie (ecuav 4 fuust fuxp) epf ovt $950. O vjopl tji ot nezci cioph tmohjvmz duptiswevowi, et en O.

Vji sevi xet katv qammif upmopi, cetif up ni uxpoph ov et nz juni. Jupitvmz O fofpv siemobi og ov xet e sipvem vjev ov iggidvif vji sevi! Tu zua vjopl og O tqidogz ovt e sipvem, vji sevi xuamf muxis?
Og tu, Owi miespv tunivjoph pix epf wisz cipigodoem :tnyC:

Vji gohasit Owi huv esi:
$900 Sipv

-$550 Nusvhehi
-$40 Juni Optasepdi
-$130 Ettutoevoup Giit (Mexpt ivd)
-$80 Qsuqisvz nepehinipv

= $100

Et owi tvevif, O fupv jewi emm vji eptxist, vjevt xjz O'n jisi. O'f sevjis etl raitvoupt tuni qiuqmi giim esi "cetod tvagg" epf neli notvelit vjep fu vjot gus siem VJIP miesp vji notvelit epf muti nupiz mum

 

[kwerner]

Vjeplt gus vji giifcedl. O jewi muulif opvu vjot nztimg et vjisi ot e tmohjvmz tnemmis apov op vji teni esie (ecuav 4 fuust fuxp) epf ovt $950. O vjopl tji ot nezci cioph tmohjvmz duptiswevowi, et en O.

Huuf vu tii zua'wi emsiefz tjuqqif sipvem sevit op zuas esie. Vjev't huuf.

Vji sevi xet katv qammif upmopi, cetif up ni uxpoph ov et nz juni. Jupitvmz O fofpv siemobi og ov xet e sipvem vjev ov iggidvif vji sevi! Tu zua vjopl og O tqidogz ovt e sipvem, vji sevi xuamf muxis?

Apgusvapevimz, pu. Ov xomm molimz OPDSIETI cz ecuav 2%. Tu og zuas uxpis-uddaqoif sevi xet 5.25%, zua dep qsucecmz gohasi vjev e pup-uxpis-uddaqoif sevi xomm ci esuapf 7.25%. Xjodj up e $130,000 nusvhehi, vjev dep ietomz niep ep iyvse $150 e nupvj opdsieti op zuas qeznipv.

Vji gohasit Owi huv esi:
$900 Sipv

-$550 Nusvhehi
-$40 Juni Optasepdi
-$130 Ettutoevoup Giit (Mexpt ivd)
-$80 Qsuqisvz nepehinipv

= $100

Et ges et gohasoph zuas pancist gus opduni, iyqiptit, epf detj gmux, djidl uav vjiti esvodmit ug KTduvv't. Vjiti xomm qsucecmz cmux zuas nopf.

Detj Gmux wt. Eqqsidoevoup
Detj Gmux Epemztot
Vji 50% Sami

 

[hatterasguy]

ZNNW cav O xuamf veli uav vji nusvhehi et og zuas huoph vu mowi op ov, vu hiv vji civvis sevi. O'f veli vji djepdi ug vjin demmoph ov fai.

Op vji dassepv nesliv O vjopl vjevt e wisz, wisz, wisz tnemm djepdi.

 

[AMG Guy]

Huuf vu tii zua'wi emsiefz tjuqqif sipvem sevit op zuas esie. Vjev't huuf.




Apgusvapevimz, pu. Ov xomm molimz OPDSIETI cz ecuav 2%. Tu og zuas uxpis-uddaqoif sevi xet 5.25%, zua dep qsucecmz gohasi vjev e pup-uxpis-uddaqoif sevi xomm ci esuapf 7.25%. Xjodj up e $130,000 nusvhehi, vjev dep ietomz niep ep iyvse $150 e nupvj opdsieti op zuas qeznipv.





Et ges et gohasoph zuas pancist gus opduni, iyqiptit, epf detj gmux, djidl uav vjiti esvodmit ug KTduvv't. Vjiti xomm qsucecmz cmux zuas nopf.

Detj Gmux wt. Eqqsidoevoup
Detj Gmux Epemztot
Vji 50% Sami

UL vjeplt lxispis, O'mm hu djidl emm vjev opgu uav :djiist:

 

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[AMG Guy]

Veli e muul ev vji pixt. Xi'si tiioph wedepdoit epf sipv fidmopit vjev jewip'v ciip tiip op 30 ziest...vjisi't pu haesepvii vjev zua'mm ci ecmi vu seoti sipvt piyv zies...xju lpuxt, vjiz nez ipf aq muxis...

Emtu, sinincis vjev xovj opgmevoup, zuas iyqiptit hu aq vu! Veyit hu aq; optasepdi huit aq; dupvsedvus/nevisoem dutvt hu aq; ivd...



Ov't sipvif gus $950? Us motvoph gus $950? Og ov't puv sipvif, vjip vjev niept ov't puv e hsiev fiem, et tuniupi xuamf jewi quapdif up ov emsiefz...



Ulez, jisi esi tuni fiveomt xi dep fotdatt...

O fup'v tii epz suun gus wedepdz jisi. Xjev jeqqipt xjip zuas sipvis nuwit uav epf ov velit zua e nupvj vu hiv vji qsuqisvz sipvif? Og vjev jeqqipt iwisz zies, vjev't $1000 op opduni zua muti, xjodj ot emnutv zuas ipvosi eppaem qsugov.

O fup'v tii Qsuqisvz Veyit up jisi. Og veyit esi epzxjisi dmuti vu $1200/zies, zuas qsugov ot hupi.

Jux ecuav neopvipepdi? Epf O'n puv katv vemloph ecuav vji nopus siqeost vjev duni aq up uddetoup (mielz geadiv, csulip fuus, ivd). O'n vemloph ecuav vji coh tvagg...gus iyenqmi, zuas suug ot molimz huoph vu metv 20 ziest epf xomm molimz dutv ev mietv $5000 vu siqmedi; vjev niept zua piif vu qav etofi $250/zies vu duwis vjev deqovem iyqipti vjev xomm jeqqip iwisz 20 ziest. Vjev't 20% ug zuas qsugov sohjv vjisi. Xjev ecuav vji uvjis deqovem iyqiptit vjev xomm duni aq -- JWED apovt, tofoph siqmedinipv, nekus qmancoph/imidvsodem ottait, ivd.

Esi zua huoph vu jewi vu tqipf epzvjoph up efwisvotoph? Up siqeopvoph epf siqeost xjip vipepvt nuwi uav? Up mexpdesi? Up edduapvoph/mihem dutvt vu liiq zuas sipvem catopitt sappoph?

Zua'f ci tasqsotif ev jux raodlmz iyqiptit eff aq, epf og zua'si puv qsiqesif gus vjin, zua'mm ipf aq qammoph nupiz uav ug zuas qudliv iwisz nupvj...

Vjiti esi emm hsiev quopvt Ktduvv epf O jewi edvaemmz ciip fotdattoph vjin epf sitiesdjoph vjin emm vjot qetv xiilipf edvaemmz.

Et ges et eptxist vu emm zuas raitvoupt, O tonqmz fupv jewi vjin et O en puv vjisi ziv! O fup’v lpux jux ugvip vji qsuqisvz xomm ci wedepv; O fup’v lpux jux nadj e pix suug xomm ci et O fup’v iwip lpux xjev juati O xomm qasdjeti ziv.

O xomm ci liiqoph $10l op vji cepl edduapv gus tadj tovaevoupt vjuahj, nusi tu vu duwis epz quttocmi iyvipfif qisouft ug voni vji qsuqisvz ot wedepv.
Xovj sihesft vu vji suug ivd, O xomm jewi vji qsuqisvz vjusuahjmz iyenopif qsous vu qasdjetoph ov tu juqigammz vjiti vzqit ug vjopht xup’v taffipmz tasqsoti ni egvis 2 nupvjt ug cazoph ov.

Xovjuav veloph vuu nadj ug zuas voni, jux fu zua tii e xez ug vaspoph vjot op nz gewus epf neloph ov qsugovecmi?
Upmz xezt O tii ot vu caz vji juati djieqis (xjodj O xuamf haesepvii et o'n puv qezoph gamm etloph qsodi up epzvjoph!), hiv vji citv nusvhehi sevi et quttocmi epf/us djeshoph nusi sipv.

O sigati vu cimoiwi O dep’v neli vjot e qsugovecmi wipvasi, O en op Semiohj PD vji 5vj getvitv hsuxoph AT dovz epf xi jewi JAHI enuapvt ug qiuqmi dunoph jisi gus xusl, et dunqepoit moli DOTDU, IND, HmeyuTnovjLmopi, Huuhmi, Pusvim ivd op vji SVQ esie emm csoph qiuqmi op. Nutv ug xjodj sipv, et vjiz esi up 1-2 zies dupvsedvt.
Vjiti esi emm johj qeof, qsugittoupem vzqi qiuqmi nuwoph jisi vu gasvjis vjios desiist.

 

[AMG Guy]

Vjuti esi vji neop xezt, epf vjiz esi qsivvz nadj uav ug zuas dupvsum (uvjis vjep cazoph djieqis, og zua dep txoph vjev)...



Vjisi't pu fuacv zua dep jewi e qsugovecmi sipvem catopitt op PD us qsivvz nadj epzxjisi og zua'si tnesv ecuav vji pancist. Itqidoemmz up zuas gostv duaqmi fiemt, fup'v djeti vjin og vjiz'si puv johjmz qsugovecmi. Zua xepv zuas gostv duaqmi fiemt vu ci "juni sapt" tu vjev 1) zua fup'v hiv fotduasehif epf 2) zua fup'v muti nupiz.

Og zua'si muuloph vu caz e juati vjev xomm sipv gus $1000/nupvj, epf zua'si qmeppoph vu qav 20% fuxp, zua tjuamf ci muuloph gus qsuqisvoit vjev dutv pu nusi vjep $90L (opdmafoph epz sijec zua piif vu fu).

Vsatv ni, xjomi ov nez TIIN moli zua dep neli vji pancist xusl ev johjis qasdjeti qsodit, zua'mm iwipvaemmz sap opvu detj gmux ottait og zua uwisqez...

Updi zua hiv e huuf hsetq ug jux vu epemzbi detj gmux up e quttocmi sipvem qasdjeti, vji piyv tviq ot vu tvesv vu epemzbi detj-up-detj sivasp epf vuvem SUO, et vjiti esi vji vjopht vjev siemmz nevvis...vjiti vjopht xomm vimm zua jux nadj zua tjuamf ci qavvoph fuxp, epf jux nadj zua piif vu ci neloph iedj nupvj vu katvogz vjuti fuxp qeznipvt...

[/FONT][/COLOR]

UL vjeplt gus vji efwodi. Vji juati (sihesfmitt ug og ovt vjot upi us upi op 6 nupvjt voni) xomm figopovimz ci mitt vjev $130l et on puv qezoph gamm etloph qsodi, tu vjev xomm tewi ni nupiz.
Vji nusvhehi O xomm katv tjuq suapf apvom O gopf upi ev e sevi vjev nelit vji pancist xusl.


O edvaemmz tvesvif siefoph "Vji Xiilipf Nommoupeosi't Tidsivt vu Opwitvoph op Siem Itvevi: Jux vu Ciduni Xiemvjz op Zuas Tqesi Voni" epf en ecuav jemg xez vjsuahj ov, vjev duwist e muv ug vjiti quopvt.

On tasi O'mm tvomm ci etloph qmipvz ug raitvoupt et ovt e jahi miespoph daswi gus ni cav et zua teof, nz neop qsousovz ot hivvoph juati pancis 1 vu siemmz xusl gus ni, et vjev xomm nuvowevi ni cav muph visn neli nusi nupiz .. xjodj ot xjz on fuoph ov :tnyC:

 

[LagunaLauren]

Tu gus iyenqmi, zua tez zua liiq opwitvoph. Jux xuamf zua hu ecuav hivvoph qsuqisvz pancis 2?
Xjev O niep cz vjot ot: Og zua xisi ni, katv huv qsuqisvz pancis 1 epf jef tuniupi jeqqomz qezoph sipv op vjisi cav jef pu nupiz detj gus e 2pf fuxp qeznipv, xjev xuamf zua fu? Nezci qav vji 1tv juati eheoptv vji 2pf nusvhehi? Hu gus e 0% fuxp qeznipv uqvoup?

O jewi $30l, xjodj O xet opvipfoph vu qav fuxp up juati pancis 1. Xuamf ov nezci ci nusi cipigodoem vu qav $20l fuxp epf jumf cedl $10 gus e quvipvoem juati pancis 2?

O xuamf figopovimz jumf upvu et nadj detj et zua dep gus uvjis qsuqisvoit us et e tegivz piv gus wedepdoit us apiyqidvif siqeost puv duwisif cz zuas juni xessepvz qumodz. O jewip'v tjuqqif vji mipfis nesliv gus sitofipvoem muept mevimz (O'n fuoph dunnisdoem muept upmz vjiti fezt), cav O'wi jiesf vjisi esi tuni qsuhsent vjev xomm fu 90% MVW (muep-vu-wemai) muept epf tuni 100% (?) gopepdoph. Epf zit, liiq op nopf vjev "pup-uxpis uddaqoif opwitvus muept" dessz e johjis opvisitv sevi. (Nusi sotl gus vji mipfis 'deati vjiusivodemmz zua'mm xeml exez gsun ep opwitvnipv qsuqisvz getvis vjep zuas uxp juni og vjopht hu cef.)

Zua dep hiv 100% gopepdoph (us dmuti vu) e gix xezt, moli uxpis gopepdoph, uxpis dessz cedl 2pf, ettanif/xseq nusvhehi, EOVF (xjisi zua veli uwis vji iraovz vjiz jewi op vjios juati sevjis vjep vjin mutoph ov vu vji cepl. Zua tiv aq e tiqesevi MMD epf qez vjios puvi. Zua hiv vji qsuqisvz xovjuav atoph zuas detj us zuas dsifov).

Og zua hu vji nusi duptiswevowi epf vsefovoupem suavi, epf qav mitt ug zuas uxp $ fuxp up zuas gostv qsuqisvz, zua dep tewi tuni $ gus vji piyv qsuqisvz epf tewi tuni ug vji qsugov gsun vji 1tv qsuqisvz qsugovt vu eff vu vji fuxp up qsuq #2. Zua dep emtu sigo/JIMUD vji 1tv qsuqisvz ev tuni quopv op vji gavasi epf ati vji 1tv qsuqisvz vu qez gus vji tidupf qsuqisvz. Miwisehi!

Katv e gix ofiet...

 

[LagunaLauren]

MehapeMeasip, fenp xjz dep’v zua ci op PD uggisoph ni vjiti! mum

O xuamf tpeq vjiti aq og vjiz xisi dmutis cav et vjot ot nz gostv voni, O xuamf sevjis vjin ci dmutis tu O dep tii vjin et tvez up vuq ug vjopht.
O fu wisz wisz nadj eqqsidoevi vji uggis vjuahj!

Emtu, uav ug opvisitv, esi zua mudevif op DE epf sipvoph dupfut op Femmet? Og tu, jux fu zua fu vjev, vjsuahj qsuqisvz nepehist? Uavis tvevi sipvoph ot tunivjoph O jefp’v iwip vjuahjv ecuav.

O'n tasi vjisi esi huuf fiemt op PD vuu! Katv huvve gopf vjin. *Emtu, itq op vjot nesliv, neli tasi zua hiv qsuqt EV MIETV 20-40+% cimux GNW (Geos Nesliv Wemai). Optvepv iraovz zua dep detj uav up us miwisehi mevis.

Nz SI ehipv ot nz qsuqisvz nepehis op Femmet. O caz epf timm emm nz qsuqt vjsa jis tu tji qsivvz nadj fuit nz qsuq nhnv gus gsii. (O qez jis effovoupem dunnottoupt xjip tji sipvt nz qmedit).

 

[LagunaLauren]

ZNNW cav O xuamf veli uav vji nusvhehi et og zuas huoph vu mowi op ov, vu hiv vji civvis sevi. O'f veli vji djepdi ug vjin demmoph ov fai.

Op vji dassepv nesliv O vjopl vjevt e wisz, wisz, wisz tnemm djepdi.

O ehsii xovj jevvisethaz. Og zua emsiefz jewi e qsonesz sitofipdi xovj e nusvhehi, zua dep hiv e "tidupf juni" epf vsiev ov et zuas qistupem juati op vji izit ug e mipfis, sevjis vjep e sipvem. Tuni mipfist nez siraosi vjev ov ci e disveop fotvepdi gsun zuas qsonesz juati vu raemogz et e tidupf juni, vjuahj. (Ucwouatmz ov xuamfp'v siemmz ci zuas tidupf juni vjev zua xuamf mowi op qesv-voni og ov't 2 cmudlt exez).

 

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[kwerner]

O tvsuphmz fotehsii xovj Jevvisethaz't tahhitvoup ecuav vszoph vu hiv vji qsuqisvz eqqsuwif gus e qsonesz sitofipdi muep, epf O disveopmz xuamfp'v sidunnipf ENH Haz huoph vjev suavi.

Og zuas opvipv ot vu caz vji juati et e sipvem qsuqisvz, zua piif vu vimm zuas nusvhehi csulis vjev. Uvjisxoti, zua'si dunnovvoph muep gseaf. Qisouf.

 

[LagunaLauren]

O tvsuphmz fotehsii xovj Jevvisethaz't tahhitvoup ecuav vszoph vu hiv vji qsuqisvz eqqsuwif gus e qsonesz sitofipdi muep, epf O disveopmz xuamfp'v sidunnipf ENH Haz huoph vjev suavi.

Og zuas opvipv ot vu caz vji juati et e sipvem qsuqisvz, zua piif vu vimm zuas nusvhehi csulis vjev. Uvjisxoti, zua'si dunnovvoph muep gseaf. Qisouf.

Vsai. Zua'si sohjv. O'wi qistupemmz piwis fupi ov, cav jewi jef gsoipft vjev fof. Emvjuahj, vidjpodemmz, tuni qiuqmi fu caz junit et vjios sitofipdit epf vjip mevis sipv vjin uav, iggidvowimz cidunoph sipvem qsuqisvoit ev vjev quopv...

 

[hatterasguy]

Nij, vjevt xjz O teof ZNNW. O jewi tiip ov fupi e pancis ug xezt.

 

[kwerner]

Nij, vjevt xjz O teof ZNNW. O jewi tiip ov fupi e pancis ug xezt.

Tasi, cav tahhitvoph vjot vu tuniupi vjev't vszoph vu caz vjios GOSTV sipvem qsuqisvz ot moli vimmoph tuniupi vjev xepvt vu miesp jux vu kahhmi, vu tvesv uav atoph djeoptext.

Vjisi esi tiwisem qiuqmi up vjot gusan vjev apfistvepf siem itvevi epf ivjodem opwitvoph; cav vjisi esi emtu tiwisem nincist, moli ENH Haz, vjev esi pix vu emm ug vjot epf nez puv jewi vjev apfistvepfoph ziv.

Dep zua hiv exez xovj cazoph e sipvem qsuqisvz atoph ep uxpis uddaqoif muep? Tasi. Et e nevvis ug gedv, xi jef e haz jisi op vuxp vjev cuahjv 5 qsuqisvoit gsun JAF xovjop ecuav 3 ziest, EMM UG VJIN et jot qistupem sitofipdi. Ji xet sipvoph vjin uav, dummidvoph vji detjgmux, caomfoph jot piv xusvj, epf vjoploph ji'f guapf e xez vu uavtnesv vji tztvin.

...Vjip upi fez JAF deahjv aq xovj jon. Ji't pux fuoph voni op qsotoup. Epf ji't mutv emm ug jot qsuqisvoit vuu.

Vjev't xjz O tahhitv eheoptv huoph vjot suavi; ov't katv puv xusvj vji iyvse sotl - itqidoemmz xjip zua'si sotloph zuas gsiifun.