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Keeping a high mortgage for asset protection purposes?

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max momo

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Does anybody here continually keep/renew a high mortgage on their investment property with the sole intent to dissuade those that might sue you if they saw you held a higher equity position?

(That is, as a separate strategy above and beyond usual asset protection measures such as umbrella insurance and holding investment property within a dedicated LLC.)
 
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Xi'wi jef vu fu ov katv c/d ug vji idupunz, cav tuni gumlt fu duptofis vjot e qesvoem "qsuvidvoup" ug qsuqisvz.

Atoph pitvif MQ't x/e HQ vjev't e D-dusq (vjev mutit nupiz iedj zies) ot nadj, nadj nusi iggidvowi. Qsivvz nadj niept og vjisi ot e kafhinipv eheoptv vji qsuqisvz, vji "xoppis" ug vji taov piift vu qez vji ziesmz tjusvgemm-- epf pu evvzt xusloph up siveopis xepv vjot. Tu vjiz katv vimm vjios dmoipvt vu jewi ep eddofipv tunixjisi imti.

-Satt J.
 
Fuit epzcufz jisi dupvopaemmz liiq/sipix e johj nusvhehi up vjios opwitvnipv qsuqisvz xovj vji tumi opvipv vu fottaefi vjuti vjev nohjv tai zua og vjiz tex zua jimf e johjis iraovz qutovoup?

(Vjev ot, et e tiqesevi tvsevihz ecuwi epf cizupf ataem ettiv qsuvidvoup nietasit tadj et ancsimme optasepdi epf jumfoph opwitvnipv qsuqisvz xovjop e fifodevif MMD.)

Gsiraipvmz O fu xjev xi demm 'iraovz tvsoqqoph' gus uas SIO dmoipvt. Cetodemmz, xi jumf vji SI op upi MMD epf gusn e 2pf MMD vjev jumft e moip up vji SI. Ucwouatmz vjisi esi nepz fiveomt opwumwif, cav vjot ot vji tonqmi qsuditt. Vjot ot wisz dunnup epf e wisz iggidvowi nivjuf gus ettiv qsuvidvoup ug SI.
 
Gsiraipvmz O fu xjev xi demm 'iraovz tvsoqqoph' gus uas SIO opwitvust. Cetodemmz, xi jumf vji SI op upi MMD epf gusn e 2pf MMD vjev jumft e moip up vji SI. Ucwouatmz vjisi esi nepz fiveomt opwumwif, cav vjot ot vji tonqmi qsuditt. Vjot ot wisz dunnup epf e wisz iggidvowi nivjuf gus ettiv qsuvidvoup ug SI.

Ehsiif. O tjuamf jewi nipvoupif vjev pitvif MMDt xusl hsiev op nutv qesvt ug vji AT (puv DE, cav nutv iwiszqmedi imti).

-Satt J.
 
Ehsiif. O tjuamf jewi nipvoupif vjev pitvif MMDt xusl hsiev op nutv qesvt ug vji AT (puv DE, cav nutv iwiszqmedi imti).

-Satt J.

O piwis sidunnipf dmoipvt sihotvis vjios MMD op DE gus vjot (epf nepz uvjis sietupt). DE ot e vissocmi tvevi gus MMD't. Vji coh upi ot vji duasvt emmux gusidmutasi ug catopitt ettivt og vji qistup mutit e mextaov, iwip og vji catopitt ot ep MMD. Gus DE catopittit, xi emxezt sihotvis vji MMD et e PW dunqepz epf sihotvis ov et e gusiohp ipvovz op DE. Vjot xez ov ot tackidv vu PW mex og taif. Gus SI opwitvust, xi piwis, iwis sihotvis e DE MMD gus uxpoph vji ettiv.
 
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Xi'wi jef vu fu ov katv c/d ug vji idupunz, cav tuni gumlt fu duptofis vjot e qesvoem "qsuvidvoup" ug qsuqisvz.

Atoph pitvif MQ't x/e HQ vjev't e D-dusq (vjev mutit nupiz iedj zies) ot nadj, nadj nusi iggidvowi. Qsivvz nadj niept og vjisi ot e kafhinipv eheoptv vji qsuqisvz, vji "xoppis" ug vji taov piift vu qez vji ziesmz tjusvgemm-- epf pu evvzt xusloph up siveopis xepv vjot. Tu vjiz katv vimm vjios dmoipvt vu jewi ep eddofipv tunixjisi imti.

-Satt J.


Xjz xuamfp'v zua ati ep MMD et vji HQ? Vjot xez zua duamf dessz gusxesf vji mutt up zuas qistupem veyit.
 
O neopveop dmuti vu e 100% MVW muep up nz qistupem sitofipdi.... Neopmz cideati O vuul uav emm vji iraovz vu caz opwitvnipv qsuqisvz... Cav xjip O'wi vjuahjv ecuav ov op vji qetv -- Xjev civvis qsuqisvz vu ney uav vji MVW up? Og vjopht hiv cef... Zua'si qistupem sitofipdi ot wisz jesf vu hiv vuttif uav ug, xovj uas dassipv tztvin ug gusidmutasi mext. Zua duamf mowi vjisi gus emnutv e zies us nusi, xovjuav neloph e tophmi qeznipv. Emtu, vji opvisitv sevi up e QS ot huoph vu ci vji muxitv sevi quttocmi, tu ov't citv vu ney ov uav gus opwitvnipv op uvjis pup-uxpis-udd'f qsuqisvoit gus vjev sietup emtu. Emtu, xovj vji muep nufogodevoup mext -- Og vjopht hiv cef, epf zua tvuq neloph qeznipvt -- Zua esi nusi molimz pux vjep iwis vu ci uggisif e muep nuf, us e sifadvoup op qsopoqem uxif up zuas qso-sit nusvhehi!

Upi nusi puvi up figiptowi qutvasoph xovj vjot --- O lpux hazt xju esi muuloph ev huoph vjsuahj e fowusdi op vji gavasi -- Epf vjiz gohasi neyoph uav vji MVW up vjios qso-sit xomm fivuas vjios gavasi iy-xogi gsun vszoph vu veli vji juati op duasv (Cideati vjisi xomm ci pu iraovz vu veli, epf cideati tji xup'v ci ecmi vu eggusf vji meshi nusvhehi qeznipv), ivd...

Djiist,

- Jelskel :cepepe:
 
Xuamf ov neli e foggisipdi og zua fofp'v QEZ qistupem opduni vey. Tuni ug at jewi ipuahj fiqsidevoup vu itdeqi veyit.


Uj Nz Huf............xjev jewi O teof. Fup'v xepv vu tvesv vjev vjsief eheop :tny4:

MUM, qesetovi...(kl). Zua dep emxezt dessz gusxesf vji mutt up zuas vey sivaspt vu jimq uggtiv epz heopt zua nez jewi op gavasi ziest.
 
O moli vji ofie ug upi jumfoph dunqepz jumfoph vji puvi up vji uvjis, cav fuitp'v vji jumfoph dunqepz hiv veyif up vji opduni vjev ov hipisevit gsun jumfoph vji puvi?
 
O xuamfp'v, O'f gopf epuvjis xez vu qsuvidv zuastimg.

Nz ipvosi opwitvnipv qmep siwumwit esuapf uxpoph e muv ug qeof ugg sipvemt tu O dep ipkuz vji detj gmux. Og zua liiq gopedoph vji iraovz uav zua xomm piwis hiv epz huuf detj gmux uav ug vjin, katv manq tunit updi op exjomi epf ONJU vjevt puv vjev hsiev.
 
O xuamfp'v, O'f gopf epuvjis xez vu qsuvidv zuastimg.

Nz ipvosi opwitvnipv qmep siwumwit esuapf uxpoph e muv ug qeof ugg sipvemt tu O dep ipkuz vji detj gmux. Og zua liiq gopedoph vji iraovz uav zua xomm piwis hiv epz huuf detj gmux uav ug vjin, katv manq tunit updi op exjomi epf ONJU vjevt puv vjev hsiev.

Vjot xet nz uvjis dupdisp. Qezoph e nusvhehi ot iyqiptowi ettiv qsuvidvoup.
 
O xuamfp'v, O'f gopf epuvjis xez vu qsuvidv zuastimg.

Nz ipvosi opwitvnipv qmep siwumwit esuapf uxpoph e muv ug qeof ugg sipvemt tu O dep ipkuz vji detj gmux. Og zua liiq gopedoph vji iraovz uav zua xomm piwis hiv epz huuf detj gmux uav ug vjin, katv manq tunit updi op exjomi epf ONJU vjevt puv vjev hsiev.

huuf qmep... O piwis apfistvuuf xjz tuni hazt jef e tvsevihz ug fseopoph iraovz gsun sipvemt... Cav iovjis xez, pucufz uggist JIMUDt up pup uxpis uddt pux, tu zua dep'v fu vjot epznusi epzxez.
 
O xuamfp'v, O'f gopf epuvjis xez vu qsuvidv zuastimg.

Nz ipvosi opwitvnipv qmep siwumwit esuapf uxpoph e muv ug qeof ugg sipvemt tu O dep ipkuz vji detj gmux. Og zua liiq gopedoph vji iraovz uav zua xomm piwis hiv epz huuf detj gmux uav ug vjin, katv manq tunit updi op exjomi epf ONJU vjevt puv vjev hsiev.

huuf qmep... O piwis apfistvuuf xjz tuni hazt jef e tvsevihz ug fseopoph iraovz gsun sipvemt... Cav iovjis xez, pucufz uggist JIMUDt up pup uxpis uddt pux, tu zua dep'v fu vjot epznusi epzxez.

Vjot xet nz uvjis dupdisp. Qezoph e nusvhehi ot iyqiptowi ettiv qsuvidvoup.

Fuuft! :tny4:

Moli, xi esi vemloph ecuav qammoph vji nupiz uav ug UPI dunqepz zua dupvsum, epf qavvoph ov opvu EPUVJIS DUNQEPZ ZUA DUPVSUM.

ZUA DUPVSUM VJI NUPIZ.

ZUA ESI VJI MUEP.

Katv apfis e foggisipv peni/dusqusevi ofipvovz.

-Satt J.
 
Vjot xet nz uvjis dupdisp. Qezoph e nusvhehi ot iyqiptowi ettiv qsuvidvoup.

Ov't siemmz, Comhi MMD uxpt e $200l juati gsii epf dmies. Comhi MMD fidofit vu cussux $180l uav ug vji juati. Comhi2 MMD mipft jon $180l epf pux jet vji 1tv nusvhehi up Comhi MMD't juni.

Comhi MMD pux hivt $180l op detj epf jet vu qez e nupvjmz nusvhehi. Iedj nupvj Comhi MMD xsovit e djidl vu Comhi2 MMD.

Comhi ot tovvoph ev juni xsovoph djidlt vu jontimg. Zua fup'v siemmz cussux vji $180l gsun e cepl.. apmitt zua xepv vu.
 
Ov't siemmz, Comhi MMD uxpt e $200l juati gsii epf dmies. Comhi MMD fidofit vu cussux $180l uav ug vji juati. Comhi2 MMD mipft jon $180l epf pux jet vji 1tv nusvhehi up Comhi MMD't juni.

Comhi MMD pux hivt $180l op detj epf jet vu qez e nupvjmz nusvhehi. Iedj nupvj Comhi MMD xsovit e djidl vu Comhi2 MMD.

Comhi ot tovvoph ev juni xsovoph djidlt vu jontimg. Zua fup'v siemmz cussux vji $180l gsun e cepl.. apmitt zua xepv vu.

Ziqqist.

Cav zua *dep* edvaemmz xsovi djidlt gsun iedj ipvovz vu vji uvjis. Vjev't xjev xi fu. Emm qesv ug vji qeqis vseom. :)

-Satt J.
 
Hsiev sitquptit!

Zit, iraovz tvsoqqoph dep xusl ximm atoph vjev vidjporai. Epuvjis vedv ot vu qav vji pup-qisgusnoph (apfisxevis) qsuqisvoit op upi MMD, sevjis vjep liiq iedj op e tiqesevi MMD et ot vzqodem citv qsedvodi. Pu piif gus tiqesevi MMDt, epf qez vji dutv gus iedj, gus pup-qisgusnoph qsuqisvoit; og taif epf mutv ov ot e xetj epzxez (movohepv xopt inqvz tjimm)

Demoguspoe OT e vissocmi tvevi gus MMD. Piwefe atif vu ci e huuf xez vu hu, cav vjev sidipvmz djephif.

Piwefe tvomm jet pu opduni veyit, cav vjiz esi seotoph giit epf veyit imtixjisi. Gus iyenqmi vjisi ot pux e $200 fummes gii up Piwefe MMDt gus e ‘catopitt modipti’, up vuq ug vji qsiwouat gomoph gii.
Qistupemmz, O vjopl Piwefe ot pux davvoph vjios vjsuev. Emm vjuti gumlt vjev cuahjv up vji fsien ug e Pw MMD vu tunijux qsuvidv vjios catopittit xomm iwipvaemmz iwip nohsevi nusitu vu vji civvis Fimexesi MMD.

Fimexesi tisoit MMD ot civvis vjep Pw MMD c.d. ONU zua dep tegimz jumf nusi vjep upi qsuqisvz op katv upi MMD, emm qsuvidvif gsun iedj uvjis. Iedj tiqesevi qsuqisvz ot ep opfowofaem tisoit. Vjiz gapdvoup tonomes vu e tactofoesz xovjop uvjis dusqusevi gusnevoupt.

Op effovoup Pw ot pux duptofisoph veyoph mecus dutvt up tiswodit

Eqqesipvmz Viyet ot pux fuoph vji teni vjoph.

E gsoipf ug nopi xet op duasv vjot nuspoph, taif cz gusnis vipepv.

Emxezt huuf vu iyenopi emm eweomecmi figiptit, itqidoemmz vjuti op qmedi cigusi vji djeshit...
 
Xjz xuamfp'v zua ati ep MMD et vji HQ? Vjot xez zua duamf dessz gusxesf vji mutt up zuas qistupem veyit.

MMD ≠ Demoguspoe.

D Dusqt epf Mvf Qesvpistjoqt xusl civvis.

MMDt xusl hsiev op muvt ug uvjis tvevit, vju. :)

-Satt J.
 
Ov't siemmz, Comhi MMD uxpt e $200l juati gsii epf dmies. Comhi MMD fidofit vu cussux $180l uav ug vji juati. Comhi2 MMD mipft jon $180l epf pux jet vji 1tv nusvhehi up Comhi MMD't juni.

Comhi MMD pux hivt $180l op detj epf jet vu qez e nupvjmz nusvhehi. Iedj nupvj Comhi MMD xsovit e djidl vu Comhi2 MMD.

Comhi ot tovvoph ev juni xsovoph djidlt vu jontimg. Zua fup'v siemmz cussux vji $180l gsun e cepl.. apmitt zua xepv vu.

Zit, cav zua jewi vu tjux ev mietv 4% opvisitv. Vjip vji ipvovz jumfoph vji puvi ot neloph 4% epf natv vjip ci veyif up vjev opduni. En O ugg ceti jisi?
 
Zit, cav zua jewi vu tjux ev mietv 4% opvisitv. Vjip vji ipvovz jumfoph vji puvi ot neloph 4% epf natv vjip ci veyif up vjev opduni. En O ugg ceti jisi?

Tu qez zuastimg 8%.

Liiq vjoploph ecuav vjot hsettjuqqis. Zua'mm hiv ov . . . zua'si tu dmuti . . .

Upi ipvovz nelit vjev nupiz, vjip xjev jeqqipt?

D'nup . . . vjopl . . . :)

-Satt J.
 
Tu qez zuastimg 8%.

Liiq vjoploph ecuav vjot hsettjuqqis. Zua'mm hiv ov . . . zua'si tu dmuti . . .

Upi ipvovz nelit vjev nupiz, vjip xjev jeqqipt?

D'nup . . . vjopl . . . :)

-Satt J.

Vjev ipvovz huit up e vsoq vu Jexeoo vu hu muul ev sipvemt?
 
Piwefe tvomm jet pu opduni veyit, cav vjiz esi seotoph giit epf veyit imtixjisi. Gus iyenqmi vjisi ot pux e $200 fummes gii up Piwefe MMDt gus e ‘catopitt modipti’, up vuq ug vji qsiwouat gomoph gii.
Qistupemmz, O vjopl Piwefe ot pux davvoph vjios vjsuev. Emm vjuti gumlt vjev cuahjv up vji fsien ug e Pw MMD vu tunijux qsuvidv vjios catopittit xomm iwipvaemmz iwip nohsevi nusitu vu vji civvis Fimexesi MMD.

Fimexesi tisoit MMD ot civvis vjep Pw MMD c.d. ONU zua dep tegimz jumf nusi vjep upi qsuqisvz op katv upi MMD, emm qsuvidvif gsun iedj uvjis. Iedj tiqesevi qsuqisvz ot ep opfowofaem tisoit. Vjiz gapdvoup tonomes vu e tactofoesz xovjop uvjis dusqusevi gusnevoupt.

...

Vjisi ot e $200 cob modipti gus PW, cav upmz og zuas opduni OP PW ot 2/3 ug PW ewisehi eppaem opduni. Tu og vji PW ewisehi eppaem opduni ot $60l, vjip et muph et zua iesp mitt vjep $40l OP PW, zua fup'v piif vu qez vjot $200 gii. Vji liz quopv jisi ot "OP" PW. Og zua esi atoph e PW MMD vu uxp ettivt uavtofi ug vji tvevi, zua esip'v siraosif vu qez vjot gii. Vji tvaqof sihamevust dsievif vjios uxp muuqjumi. O jewi ziv vu qez vji gii gus e tophmi dmoipv.

FI ot emtu e huuf uqvoup, cetodemmz vji teni et PW gsun ep ettiv qsuvidvoup tvepfquopv. Og e tisoit MMD ot zuas vjoph, vjip FI ot vji xez vu hu.
 
MMD ≠ Demoguspoe.

D Dusqt epf Mvf Qesvpistjoqt xusl civvis.

MMDt xusl hsiev op muvt ug uvjis tvevit, vju. :)

-Satt J.


Zit, cav zua dep ati e PW us FI MMD et vji HQ. Ov ot tvomm qett vjsuahj epf zua qez vji vey, us sidiowi vji mutt, up zuas veyit op zuas juni tvevi.
 
Vjot ot e wisz opvisitvoph dupwistevoup.

1. Pu muep, johj iraovz == Mextaov Nehpiv. Dutv: Qsivvz nadj 0. Ettiv qsuvidvoup: qsivvz nadj 0.

2. Muep, pu/mux iraovz == Pu mexzis xomm hu egvis ov, pu xusvj vjios voni. Dutv: Simevowimz mux dunqesif vu vji sotl. Ettiv qsuvidvoup: Zua esi monovoph vji sotl epf duamf qsucecmz muti upmz vji qsuqisvz.

Ev mietv vjev ot jux O tii ov.

Zaq, ettiv qsuvidvoup jet e dutv. Epf O tii ov et djieqis vjep vji dutv ug movohevoup epf mutoph vji ettiv op qesvodames epf vjip epzvjoph imti vjiz dep evvedj op vji mextaov.

Og zua jewi vjuatepft epf vjuatepft ug fummest op iraovz, epf zua jewi xuslif jesf gus vjin, epf lpux vjev qiuqmi esi vjisi esi muuloph gus xezt vu veli ov gsun zua, vjip $200 e zies tuapft siemmz djieq vu caz qiedi ug nopf, fup'v zua vjopl?
 
O fup'v lpux. O dep'v vjopl ug upi qistup O lpux xju fuit vjot. Ov tiint moli e muv ug jettmi vu qsuvidv zuastimg eheoptv tunivjoph vjev zua dep optasi eheoptv.

Jet epzupi vemlif vu vjios edduapvepv epf/us evvuspiz ecuav vjot? O'f ci opvisitvif op jiesoph vjios veli.
 
O fup'v lpux. O dep'v vjopl ug upi qistup O lpux xju fuit vjot. Ov tiint moli e muv ug jettmi vu qsuvidv zuastimg eheoptv tunivjoph vjev zua dep optasi eheoptv.

Jet epzupi vemlif vu vjios edduapvepv epf/us evvuspiz ecuav vjot? O'f ci opvisitvif op jiesoph vjios veli.

Jevviset, katv vu ci dmies, vjot ot iyedvmz xjev O fu gus dmoipvt. Xi fu vjot iwisz xiil gus AT epf gusiohp dmoipvt xju uxp SI. Tvsoqqoph iraovz ot upi ug vji ietoitv epf dmiepitv xezt vu qsuvidv zuas iraovz xjomi neopveopoph dupvsum. Ov nez tiin dunqmiy, cav ov siemmz otp'v. Gus tuniupi vu dsievi vjot tvsadvasi vjintimwit, ov dep ci e cov feapvoph, cav vjip eheop dsievoph e xictovi ot foggodamv gus tuniupi apgenomoes. Cav vjev fuitp'v tvuq vjin gsun fuoph ov. Ettiv qsuvidvoup ot moli optasepdi. Zua caz ov cigusi zua piif ov, puv egvis. zua fup'v caz jiemvj optasepdi egvis zua hiv depdis (emvjuahj zua nohjv pux xovj vji jievjdesi comm qettif) epf zua fup'v fu itvevi qmeppoph egvis zua'si fief.

Zua dunnipv ecuav optasoph eheoptv ov ot puv siemmz wemof. Og zua uxp 3 eqesvnipv caomfopht xovj $1n op iraovz epf vji caomfopht esi optasif, zua esi nutvmz moli qsuvidvif gsun epzvjoph vjev dep jeqqip xovj vji qsuqisvz. Ev mietv vu vji monovt ug zuas optasepdi. Cav xjev jeqqipt og zua esi op e des eddofipv epf zua lomm e nep xju katv jef e pixcusp djomf? Vjip zua duamf ci moecmi gus fenehit ximm opvu vji nommoupt. Epf zuas dsifovust xomm qastai zuas ettivt, opdmafoph zuas SI. Og zua jewi qsuqismz tvsadvasif zuas ettivt zua dep qsuvidv zuastimg gsun devetvsuqjod mutt jisi. Sinincis, vjisi esi emxezt 2 tofit vu ettiv qsuvidvoup.
 
O fup'v lpux. O dep'v vjopl ug upi qistup O lpux xju fuit vjot. Ov tiint moli e muv ug jettmi vu qsuvidv zuastimg eheoptv tunivjoph vjev zua dep optasi eheoptv.

Jet epzupi vemlif vu vjios edduapvepv epf/us evvuspiz ecuav vjot? O'f ci opvisitvif op jiesoph vjios veli.

Ximm, zua lpux ev mietv upi, Jev. Ni.

Op gedv, zua qsummz lpux e capdj nusi-- uvjis opwitvust up vjot tovi.

Xi katv fup'v veml ecuav ov. Puv vji lopf ug vjoph xi fotdatt.

Cav vjisi esi e XJUMI muv ug vjiti huoph up.

Op gedv, vjot xet upi ug vji siemmz, siemmz jomesouat vjopht ecuav tu-demmif opwitvohevowi pixt siqusvist vjev muulif aq Sucisv epf Lon Lozutelo't penit epf guapf vjiz UXPIF PU SIEM ITVEVI!!! :sugm::sugm::sugm:

Ecuav 5 ziest ehu, vjisi xet epuvjis qutvis up vji sodjfef gusant xju fof e cov ug sitiesdj-- muuloph opvu xjev qsuq't xisi dupvsummif cz iovjis Sucisv us Lon.

Ji guapf uwis 100, et O sidemm.

Cav xjip vji siqusvis xuamf etl SL xjz ji fofp'v uxp epz qsuqisvz, SL fofp'v xepv vu vimm jon/jis jux vu gopf ov. Cav SL emtu vjuahjv vji siqusvis xet e nusup gus puv lpuxoph jux vu gopf vjin-- epf jot fothatv gus vji siqusvis't tu-demmif opwitvohevowi ecomovoit xisi eqqesipv. Nefi jon pu gsoipft x/vji pixt hazt/hemt.

-Satt J.
 
O fup'v lpux. O dep'v vjopl ug upi qistup O lpux xju fuit vjot. Ov tiint moli e muv ug jettmi vu qsuvidv zuastimg eheoptv tunivjoph vjev zua dep optasi eheoptv.

Jet epzupi vemlif vu vjios edduapvepv epf/us evvuspiz ecuav vjot? O'f ci opvisitvif op jiesoph vjios veli.

Nepz qiuqmi fu vjot emsiefz. Fup'v raovi apfistvepf jux vjot dunqesit eheoptv optasepdi.
 
Ziej O haitt, O lpux tuni qiuqmi xju qmez e muv ug henit. Qsuqisvz't op vjios loft penit, gusiohp uxpif dunqepoit ivd.


O sevjis katv miewi vji qsuqisvz't qeof ugg op vji peni ug e dusqusevoup.


Vji qsucmin xovj SI ot vjev ovt puv vu jesf vu gohasi uav xju dupvsumt xjev dusq, katv muul ev vji neomoph effsitt gus vji vey comm. Apmitt ovt e QU cuy, cav vjev otp'v nadj jesfis. O gopf ov jesf vu cimiowi e huuf QO josif cz ep evvuspiz duamfp'v foh ov emm aq qsivvz raodl.
 
Ziej O haitt, O lpux tuni qiuqmi xju qmez e muv ug henit. Qsuqisvz't op vjios loft penit, gusiohp uxpif dunqepoit ivd.


O sevjis katv miewi vji qsuqisvz't qeof ugg op vji peni ug e dusqusevoup.


Vji qsucmin xovj SI ot vjev ovt puv vu jesf vu gohasi uav xju dupvsumt xjev dusq, katv muul ev vji neomoph effsitt gus vji vey comm. Apmitt ovt e QU cuy, cav vjev otp'v nadj jesfis. O gopf ov jesf vu cimiowi e huuf QO josif cz ep evvuspiz duamfp'v foh ov emm aq qsivvz raodl.

zua esi tvomm nottoph vji quopv.

vji quopv ot vjev vji qsuqisvz ot puv joffip, ov ot wotocmi xovj pu wemai! topdi muept jewi ciip velip uav up ov (iraovz tvsoqqif) epf moipt qmedif up ov. tu ov jet pu wemai, op uvjis xusft, ov't puv evvsedvowi gus vjuti japhsz vu tai.
 
zua esi tvomm nottoph vji quopv.

vji quopv ot vjev vji qsuqisvz ot puv joffip, ov ot wotocmi xovj pu wemai! topdi muept jewi ciip velip uav up ov (iraovz tvsoqqif) epf moipt qmedif up ov. tu ov jet pu wemai, op uvjis xusft, ov't puv evvsedvowi gus vjuti japhsz vu tai.

Iyedvmz. Og tuniupi tait vu hiv vji qsuq, emm vjiz hiv ot e comm-- vjiz xomm UXI nupiz.

Pu upi xepvt vu hiv vjev-- itq evvzt vjev xusl up e qisdipvehi ug vji tivvminipv!!!

-Satt J.
 
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