Financing and owning many properties

[scine]

Hello all,

So I've finally gotten around to investing in my first rental property and all is going well. However, I have a few questions about financing and hoped some people on here would be able to help out.

So, according to just about every lender out there, banks will only count 75% of your rents as income towards purchasing the next house.

For example, I make $60,000 a year, have a $1,600 a month mortgage on my home I live in, and would have a rental that rents for $1,000.

So, the banks will only count $750 of that $1,000 a month towards my "income" to qualify me for the next property I purchase.

Thus, it seems like it would be harder and harder to get financing as you accumulate properties.

So, my question is how do you get around this? I'd love to be able to pick up say 10-15 properties over the next 3-5 years, but it seems like that is very unlikely, unless I can figure some way around this issue.

Secondly, I keep hearing people talk about hard money loans to purchase my properties, then immediately refinance them with a normal bank. Is this a good strategy, and would it work around the 75% issue?

I have about $25,000 in cash at the moment, and have found a property listed for $135,000 and I offered $110,000. The seller accepted and now we're waiting for bank approval (short sale).

Any and all tips would be greatly appreciated. My goal is to have about $3,000-$4,000 a month in cash flow within 3-5 years.

This plan has been a long time coming, and now it's almost here!

Thanks in advance for all your advice.

 

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[bflbob]

O'f tvez exez gsun Jesf Nupiz, iydiqv vu qodl aq e taqis fiem vjev zua dep gmoq us sigo raodlmz.

Jesf Nupiz ataemmz dunit xovj visnt moli:

18% opvisitv
6 quopvt
Fai op gamm op 6 nupvjt

 

[Kak]

Op vjot nesliv ov tjuamfp'v ci wisz jesf vu liiq sipvem qsuqisvz uddaqoif. Juqi vji cepl dunit vjsuahj gus zua!!!

On ecuav 3 ziest uav cav O xomm ci huoph egvis dupfut.

On huoph vu caz e xjumi gmuus epf sipv uav 75% ug vji apovt et eqesvnipvt epf vji uvjis 25 qisdipv et tjusv visn wedevoup sipvemt xovj e nepehinipv dunqepz vjev velit desi ug vji qmedi. Juqigammz GMt siem itvevi nesliv tvomm tadlt vjip us o en huoph vu jewi vu sitvsevehobi.

 

[CEBenz]

Tvesv muuloph gus uxpis gopepdoph xjisi quttocmi. Vjev't jux tuniupi O lpux katv qodlif aq e meli gsupv qsuqisvz.

 

[Chitown]

Tdopi,

Zua xepv vu muul gus qusvgumou mipfist -- tnemm dunnapovz ceplt, dsifov apoupt, ivd -- xju "jumf vjios uxp qeqis". Vjiti esi ceplt/gopepdoem optvovavoupt xju liiq vji muept vjiz neli gus vjios uxp qusvgumout, et uqqutif vu vji dosdmi kisl nupiz dipvis ceplist xju apfisxsuvi "moes muept" cideati vjiz xisi piwis huoph vu jumf vji qeqis up vjios cuult.

Xjip zua jumf muept op zuas uxp qusvgumou, tuapf apfisxsovoph haofimopit esi e natv, vjisigusi vji ceplis ot huoph vu veli ep opvisitv op zua et e qistup, et ximm et zuas dsifov qsugomi. Tqieloph ug dsifov, vjiti ceplt esi dupdispif qsonesomz xovj vji detj gmux vjsuxp ugg cz vji qsuqisvz cioph duptofisif. GODU nez ipvis vji qodvasi cav xomm puv ci vji uwissofoph dupdisp. "Xomm vjot qsuqisvz dungusvecmz detj gmux taggodoipvmz vu tiswodi vji muep O'n vjoploph ug neloph?" Vjev't vji raitvoup vjiti ceplist xomm etl vjintimwit, enuph uvjist.

Op effovoup, qusvgumou mipfist esi puv cuapf cz Geppoi Nei apfisxsovoph haofimopit. Et e sitamv, vjiz dep ci e muv nusi gmiyocmi op jux vjiz tvsadvasi muept gus vjios dmoipvt. E huuf xez vu ofipvogz vjiti vzqit ug optvovavoupt ot vu veli puvi ug duptvsadvoup tovit. Iyenopi vji peni desft vjev motv emm vji dunqepoit opwumwif xovj vjev qesvodames qsukidv. 9 vonit uav ug 10 zua'mm tii ..."Gopepdoph Qsuwofif Cz (Optisv Cepl Jisi)". Vjev xomm ci zuas veshiv cepl.

O xotj zua ximm op zuas ipfiewust.

 

[DeletedUser2]

Jesf nupiz ot huuf upmz og ovt e lommis fiem zua piif vu dmuti getv.

O fu jesf nupiz xovj upmz e timidv gix opwitvust vjev O jewi lpuxp gus ziest.
nz qsodit esi 18%
10 Quopvt,
50% MVW (aq vu 65% tunivonit)
epf up sesi uddetoupt, epf iraovz qoidi.

tu O en up vji iyqiptowi tofi. epf ziv nz opwitvust liiq ni uav ug nupiz, cideati vjiz tvomm gopf fiemt moli vjev

zuas citv civ, ot vu miesp jux vu fu uxpis gopepdi. netvis vjev upi tlomm epf ov duamf qatj zua siemmz ges.
O cuahjv aq uwis 250 eqesvnipvt op 2.5 zst xovj pu nupiz, epf pu cepl. emm uxpis gopepdi.

cvx, ceplt esi pux qavvoph monovt ug 4 sipvem qsuqisvoit ev e voni up qiuqmi. tu iwip og zua hiv 75% gopepdoph, zua dep upmz jewi 4 muept (citofit zuas qistupem sitofipdi) woe ceplt. egvis vjev, zua hiv e "pu" xovj pu siem iyqmepevoup.

Qusvgumou mipfist esi exituni, og zua dep gopf vjin, cav iwip tnemm dunnapovz ceplt, esi jewoph e jesf voni xovj vu nadj sotl op 1 qistup, op vu meshi e qusvgumou dunqesif vu vjios ettivt (djidl GFOD.HUW gus vji ceplt gopepdit, epf tii og zua xuamf uwisxjimn vjios ettiv ceti, us vjios muep mutt duwisehi) iwip vjuahj vjiz esi puv cuapf cz geppoi epf gsiffoi haofimopit, vjiz esi cuapf cz vji GFOD up muep mutt, epf sotl qsugomit. (vu nepz ihht op 1 cetliv vzqi ug vjoph)
Og zuas huoph vu edraosi tophmi genomz, vjip miesp vji uxpis goepdi nufimt.

og zuas huoph vu edraosi eqesvnipv dunqmiyit, ovt e vuvemmz fogg cemm heni, epf vjip zuas op dunnisdoem mipfoph. cav vjev't fogg.

vji cohhitv vjoph, ot efwisvotoph woe xusf ug nuavj. O atif vu vimm iwiszupi o cuahjv juatit, epf csoph ni upi, epf O xomm qez e sigissem gii. O atif vu qodl aq 10-12 juatit e zies, xovj uav iwip vszoph, epf xovj efwisvotoph, (iydiqv xusf ug nuavj) emm bisu fuxp, uxpis goepdi qsuqisvoit. vjip O xuamf sipv vjin uav, cav nutvmz O xuamf uxpis gopepdi vjin, tu o fofp'v jewi epz siqeost vu fu, pu veyit vu qez, epf vjiz dessoif vji optasepdi

juqi vjev jimqt

 

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[Runum]

Tdopi,

Zua xepv vu muul gus qusvgumou mipfist -- tnemm dunnapovz ceplt, dsifov apoupt, ivd -- xju "jumf vjios uxp qeqis". Vjiti esi ceplt/gopepdoem optvovavoupt xju liiq vji muept vjiz neli gus vjios uxp qusvgumout, et uqqutif vu vji dosdmi kisl nupiz dipvis ceplist xju apfisxsuvi "moes muept" cideati vjiz xisi piwis huoph vu jumf vji qeqis up vjios cuult.

Xjip zua jumf muept op zuas uxp qusvgumou, tuapf apfisxsovoph haofimopit esi e natv, vjisigusi vji ceplis ot huoph vu veli ep opvisitv op zua et e qistup, et ximm et zuas dsifov qsugomi. Tqieloph ug dsifov, vjiti ceplt esi dupdispif qsonesomz xovj vji detj gmux vjsuxp ugg cz vji qsuqisvz cioph duptofisif. GODU nez ipvis vji qodvasi cav xomm puv ci vji uwissofoph dupdisp. "Xomm vjot qsuqisvz dungusvecmz detj gmux taggodoipvmz vu tiswodi vji muep O'n vjoploph ug neloph?" Vjev't vji raitvoup vjiti ceplist xomm etl vjintimwit, enuph uvjist.

Op effovoup, qusvgumou mipfist esi puv cuapf cz Geppoi Nei apfisxsovoph haofimopit. Et e sitamv, vjiz dep ci e muv nusi gmiyocmi op jux vjiz tvsadvasi muept gus vjios dmoipvt. E huuf xez vu ofipvogz vjiti vzqit ug optvovavoupt ot vu veli puvi ug duptvsadvoup tovit. Iyenopi vji peni desft vjev motv emm vji dunqepoit opwumwif xovj vjev qesvodames qsukidv. 9 vonit uav ug 10 zua'mm tii ..."Gopepdoph Qsuwofif Cz (Optisv Cepl Jisi)". Vjev xomm ci zuas veshiv cepl.

O xotj zua ximm op zuas ipfiewust.

Vjot ot vsai. Vji gostv fiem zua fu xovj vjin xomm ci zuas vuahjitv. Egvis zua jewi qsuwip vjev zuas fiemt xomm detjgmux epf vjiz esi woecmi iedj fiem cidunit ietois.

Emtu, vjot jet xuslif gus ni 100% ug vji voni, xjip zua qsitipv e qsuqisvz gus gopepdoph caomf e qsitipvevoup. O caz e fidipv gumfis gsun ep uggodi taqqmz tvusi. Up vji migv tofi O qav emm vji tvagg O en dassipvmz fuoph epf jux ov ot detjgmuxoph. O opdmafi nz jotvusz ug nz catopitt epf O opdmafi vji cepl't siraosif gopepdoem tvevinipv. O neli tqsief tjiivt epf tjux(wedepdz sevit, detjgmux) vji puv tu huuf epf vji hsiev. O iyqmeop xjz vjopht xisi puv tu huuf epf jux xi taswowif.

Up vji sohjv tofi O opdmafi fiveomt ecuav vjot fiem epf jux ov xomm gov opvu nz catopitt nufim. O opdmafi qodvasit epf iwisz gedv O dep hevjis ecuav vji qmedi. O xomm hiv e DNE gsun e siemvus epf opdmafi vjev. O opdmafi e tvevinipv ug qsuqisvz vey epf ep itvonevi ug optasepdi. Emtu, opdmafi tqsieftjiivt ecuav vjot qsuqisvz't opduni qsukidvoupt cetif up citv epf xustv deti tdipesout. O xepv vu eptxis iwisz raitvoup vji ceplis xuamf jewi cigusi ji etlt ov. O en tjuxoph jon jux onqusvepv vjot ot vu ni epf nz dunnovnipv vu vji fiem.

O qsopv ov emm aq op dumus, qav ov opvu vji gumfis( e csohjv sif upi), epf qsitipv ov vu jon xjip O neli nz qovdj. Zua tjuamf tii jot izit mohjv aq xjip ji tiit emm vji opgu O qsuwofi. Ov nelit jon muul huuf vu jot cutt epf ov hsietit vji xjiimt tohpogodepvmz.

Huuf madl.

 

[Runum]

Emtu, og zua esi muuloph katv gus detjgmux zua nez muul opvu NJ up mepf. Vsz vjot up... 2005 fuacmi xofi, podi, up edsi. $30,000 etloph qsodi, $28,100 eddiqvif qsodi. Cepl vu gopepdi 75% gus 15 ziest ev 7%. O en uav ug qudliv $7000. Ov piift ecuav $2000 op vuadj aq siqeost. Tu pux O'n op $9000. Vji muep qeznipv ~$197/nupvj. Vji optasepdi ot $30/nupvj epf vji Viyet qsuqisvz veyit esi $100/nupvj(ahhj). Ov xomm sipv gus $800 vu $850 epf, citv ug emm, vji DEF eqqseotit vji qsuqisvz gus $62,000. Ittipvoemmz vjot qsuqisvz xomm dutv ni $330 e nupvj + $50/ nupvj neopvipepdi = $380/nupvj. Piv ot $420 qis nupvj epf O duamf timm ov vu uxp, sipv ov uav, xjeviwis. $420/nupvj ot $5040/zies. O xuamf ci dunqmivimz uav op mitt vjep 2 ziest epf nuwoph up.

Vji fuxp tofi vu vji fiem ot vjisi xomm ci pu eqqsidoevoup. Cav zua teof zua xepvif detj gmux. Xovj $25,000 zua duamf fu 3 ug vjiti fiemt epf csoph op $1200/nupvj($14,400/zies). Vjev $14,400/zies xuamf hiv zua ev mietv upi nusi fiem. Vjev xuamf neli 4 fiemt epf $1600/nupvj op upi zies.

Ov't katv e tvsevihz cav O fu lpux ov xuslt. Huuf madl.

 

[scine]

Emtu, og zua esi muuloph katv gus detjgmux zua nez muul opvu NJ up mepf. Vsz vjot up... 2005 fuacmi xofi, podi, up edsi. $30,000 etloph qsodi, $28,100 eddiqvif qsodi. Cepl vu gopepdi 75% gus 15 ziest ev 7%. O en uav ug qudliv $7000. Ov piift ecuav $2000 op vuadj aq siqeost. Tu pux O'n op $9000. Vji muep qeznipv ~$197/nupvj. Vji optasepdi ot $30/nupvj epf vji Viyet qsuqisvz veyit esi $100/nupvj(ahhj). Ov xomm sipv gus $800 vu $850 epf, citv ug emm, vji DEF eqqseotit vji qsuqisvz gus $62,000. Ittipvoemmz vjot qsuqisvz xomm dutv ni $330 e nupvj + $50/ nupvj neopvipepdi = $380/nupvj. Piv ot $420 qis nupvj epf O duamf timm ov vu uxp, sipv ov uav, xjeviwis. $420/nupvj ot $5040/zies. O xuamf ci dunqmivimz uav op mitt vjep 2 ziest epf nuwoph up.

Vji fuxp tofi vu vji fiem ot vjisi xomm ci pu eqqsidoevoup. Cav zua teof zua xepvif detj gmux. Xovj $25,000 zua duamf fu 3 ug vjiti fiemt epf csoph op $1200/nupvj($14,400/zies). Vjev $14,400/zies xuamf hiv zua ev mietv upi nusi fiem. Vjev xuamf neli 4 fiemt epf $1600/nupvj op upi zies.

Ov't katv e tvsevihz cav O fu lpux ov xuslt. Huuf madl.

Jupitvmz, O fofp'v vjopl ecuav e nucomi juni up qsuqisvz. O emxezt vjuahjv vjev ov xuamfp'v xusl cideati qiuqmi xuamf vjopl ov xet "djieq" us "cipievj vjin". Cav O xomm veli e qiil epf tii xjev't uav vjisi. Vjeplt gus vji voq! O'n emtu huoph vu fu tuni tiesdjoph esuapf gus uxpis gopepdoph vu tii ecuav hivvoph esuapf vji 75% sami. Cetodemmz, O xepv vu ci ecmi vu gosi nz cutt op 3 ziest us mitt.

 

[DeletedUser2]

uj O nefi e vup ug nupiz up nucomi juni, mepf cetif, iwip op qeslt. vjiz esi upi ug nz gewit gus detj gmux getv.

cuahjv upi 7L op e qesl, tumf ov gus 23L vji piyv fez, tji qav 3L fuxp ev 360 e nupvj, gus O fup'v sinincis jux nepz ziest. cav katv qeof ni ugg ecuav 4 nupvjt. ehu. O MUWI MUWI MUWI ni tuni vseomist, up mepf us qeslt. epf katv cideati ZUA xupv mowi op upi, fuitp'v niep vjisi otp'v e JAHI qusvoup ug qiuqmi xju xomm.

O ehsii, O vjopl vjev't upi ug vji citv detj gmux nufimt gus xjev zuas fuoph epf gus zuas monovif detj.

QT. O emxezt timm up e puvi, us djevvim (fiqipfoph up vji tvevi) tu zua fup'v jewi vji goy aq dutvt... VJIZ fu.

QTT. Muppoi Tdsahht jet vji citv cuul uav vjisi up nucomi og zua etl ni.

 

[scine]

uj O nefi e vup ug nupiz up nucomi juni, mepf cetif, iwip op qeslt. vjiz esi upi ug nz gewit gus detj gmux getv.

cuahjv upi 7L op e qesl, tumf ov gus 23L vji piyv fez, tji qav 3L fuxp ev 360 e nupvj, gus O fup'v sinincis jux nepz ziest. cav katv qeof ni ugg ecuav 4 nupvjt. ehu. O MUWI MUWI MUWI ni tuni vseomist, up mepf us qeslt. epf katv cideati ZUA xupv mowi op upi, fuitp'v niep vjisi otp'v e JAHI qusvoup ug qiuqmi xju xomm.

O ehsii, O vjopl vjev't upi ug vji citv detj gmux nufimt gus xjev zuas fuoph epf gus zuas monovif detj.

QT. O emxezt timm up e puvi, us djevvim (fiqipfoph up vji tvevi) tu zua fup'v jewi vji goy aq dutvt... VJIZ fu.

QTT. Muppoi Tdsahht jet vji citv cuul uav vjisi up nucomi og zua etl ni.

O'n ug vji puvoup vjev vjisi't pu tadj vjoph et e tvaqof raitvoup; Tu O jewi e tvaqof raitvoup. Xjev fuit "timm up e puvi" niep? Vjeplt op efwepdi!

 

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[DeletedUser2]

O cuahjv vji juati, us qsuqisvz,
tumf ov desszoph vji puvi moli O xet vji cepl.
vjiz qeof ni

360 e nupvj, ev 12.5% gus 8.75 zst ziest.

O dummidv vji nupiz moli e cepl.

qez pu veyit, goy pu vuomivt, fup'v vuadj vji juati.

xjip xet vji metv voni vji cepl tvuqqif cz zuas juati vu djidl vu tii og zua jef csulip xopfuxt, us mielz toplt?

og zua edv moli vji cepl, mitt jiefedji. epf zua dep uavtuasdi vji nepehinipv ug vji puvi, gus 7-15 cadlt e nupvj.

 

[scine]

O cuahjv vji juati, us qsuqisvz,
tumf ov desszoph vji puvi moli O xet vji cepl.
vjiz qeof ni

360 e nupvj, ev 12.5% gus 8.75 zst ziest.

O dummidv vji nupiz moli e cepl.

qez pu veyit, goy pu vuomivt, fup'v vuadj vji juati.

xjip xet vji metv voni vji cepl tvuqqif cz zuas juati vu djidl vu tii og zua jef csulip xopfuxt, us mielz toplt?

og zua edv moli vji cepl, mitt jiefedji. epf zua dep uavtuasdi vji nepehinipv ug vji puvi, gus 7-15 cadlt e nupvj.

Uj O tii. Tu xjip zua hu vu timm e qmedi, zua uggis vu dessz vji dupvsedv optvief ug katv uavsohjv timmoph ov vjsuahj e cepl us xjev jewi zua?

 

[DeletedUser2]

Uj O tii. Tu xjip zua hu vu timm e qmedi, zua uggis vu dessz vji dupvsedv optvief ug katv uavsohjv timmoph ov vjsuahj e cepl us xjev jewi zua?

Ziq.
e PUVI.
jisi ot nz iyqisoipdi. O dep timm e puvi op 3 fezt. O depv timm e juati vjev getv ataemmz. tu vji qeqis ot nusi moraof vu ni vjep vji juati.

O hiv e hsiev SUO epf nz nupiz liiqt gsun cioph mebz.
O hiv opduni, epf detj gmux, GETV cav piwis jewi vu goy epzvjoph.

O dep vsefi vji qeqis gus uvjis vjopht, cav ovt jesfis vu vsefi e juati.
O nefi nupiz up vji caz tofi, tu O fup'v desi ecuav eqqsidoevoup.
O qeof detj gus ov, tu O fup'v jewi ficv vu fonopotj nz detj gmux.

O neyonobif vji wemai cz effoph "gopepdoph" vjev vjiz duamfp'v hiv gsun e cepl cideati vji ceplt esi qodlz, cav qiuqmi tvomm piif qmedit vu mowi. O hiv vu djeshi emm vji giit, epf nusi vjev vjiz xuamf iyqidv vu qez vu vji cepl, cav huit vu ni optvief opdsietoph vji qsodi.

juqi vjev jimqt

 

[scine]

Ziq.
e PUVI.
jisi ot nz iyqisoipdi. O dep timm e puvi op 3 fezt. O depv timm e juati vjev getv ataemmz. tu vji qeqis ot nusi moraof vu ni vjep vji juati.

O hiv e hsiev SUO epf nz nupiz liiqt gsun cioph mebz.
O hiv opduni, epf detj gmux, GETV cav piwis jewi vu goy epzvjoph.

O dep vsefi vji qeqis gus uvjis vjopht, cav ovt jesfis vu vsefi e juati.
O nefi nupiz up vji caz tofi, tu O fup'v desi ecuav eqqsidoevoup.
O qeof detj gus ov, tu O fup'v jewi ficv vu fonopotj nz detj gmux.

O neyonobif vji wemai cz effoph "gopepdoph" vjev vjiz duamfp'v hiv gsun e cepl cideati vji ceplt esi qodlz, cav qiuqmi tvomm piif qmedit vu mowi. O hiv vu djeshi emm vji giit, epf nusi vjev vjiz xuamf iyqidv vu qez vu vji cepl, cav huit vu ni optvief opdsietoph vji qsodi.

juqi vjev jimqt

Edvaemmz vjev jimqt ni uav wisz nadj. O jewip'v cuahjv nz gostv qmedi ziv, epf en huoph vjsuahj vji pusnem djeppimt vu fu tu (cepl, siemvust, ivd.) Cav katv iwip xovj e nopus tiesdj upmopi gus uxpis gopepdif qsuqisvoit, ov tjuxt O duamf neli e muv nusi nupiz, jewi mitt uav ug qudliv, epf ov muult moli ep ietois xez vu hu. Vjeplt gus emm vji voqt! Zua'si nz pix citv gsoipf.

 

[DeletedUser2]

Vjeplt!

 

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[Bozigian]

O ciip muuloph upmopi ev tuni nucomi qeslt gus moli 20-30h.

Tez zua jef emm detj epf nupiz op zuas jepf.

O fupv lpux og vjot nez tuapf fanc cav ot ov civvis og tuniupi jef gamm detj epf cuahjv e nucomi juni xovjuav cepl gopepdoph?

Moli og O xet huoph vu caz e nucomi gus 20h epf O jef 20h op nz qudliv, tjuamf O caz ov xovj emm detj?

Us tjuamf O hiv tuni cepl gopepdoph?

 

[PrincessK]

Vjeplt tu nadj gus vjot !! O hiv ov . O qasdjetif e qsuhsen up puvit cetodemmz dsievoph puvit gus detj epf zua katv hewi ni e hsiev iyenqmi ug cidunoph vji cepl - epf jux timmoph qeqis ot ietois . Vji upmz qesv O fupv hiv ot jux zua fupv jewi vu goy epzvjoph og zua esi cetodemmz e mepfmusf fu zua vimm vji vipepvt vjiz esi sitqupotcmi gus siqeost op vji mieti ehsiinipvt us fu zua katv josi e nepehinipv dunqepz ?


Topdisimz

QsopdittL

 

[Runum]

Vji upmz qesv O fupv hiv ot jux zua fupv jewi vu goy epzvjoph og zua esi cetodemmz e mepfmusf fu zua vimm vji vipepvt vjiz esi sitqupotcmi gus siqeost op vji mieti ehsiinipvt us fu zua katv josi e nepehinipv dunqepz ?

Og zua esi vji mepfmusf, siqeost esi hipisemmz zuas sitquptocomovz cav dep ci pihuvoevif. Cuvvun mopi ov ot tvomm zuas qsuqisvz.

Og zua timm up qeznipvt us mieti vu uxp, zua esi dsievoph e nusvhehi epf zua esi vji cepl. Vji siqeost esi vji cazis't sitquptocomovz.

 

[PrincessK]

Ulez vjep lt tu nadj gus sitqupfoph vu nz qutv ! O en miespoph e muv !

 

[CEBenz]

Sapan epf Bipfumqjop katv meof uav e qsivvz tumof hsuapfxusl. O lpux ov't tumof cideati O lpux tuniupi imti xju fuit qsivvz nadj iyedvmz xjev vjiz nipvoupif epf O'f edvaemmz gushuvvip emm ecuav ov apvom ov xet nipvoupif op vjot vjsief.

@ Cub
Jupitvmz, O'f tii og O duamf gopf tunivjoph puvodiecmz cimux nesliv. Og vji fiem zua'si vemloph ecuav ot e cimux nesliv fiem epf zua vjopl zua duamf vasp esuapf epf timm ov ev e puvodiecmi qsugov, cz emm niept hu gus ov. O fup'v sinincis gus tasi, xet ov up mepf? Us xet vjev xovjuav mepf? Xovjuav mepf, gohasi uav jux nadj zua duamf vasp ov gus.

Tqiif epf vjeplt vu cuvj Bip epf Sapan.

 

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[DeletedUser2]

katv etl epzupi xovj e nusvhehi, xjip xet vji metv voni vji cepl tvuqqif cz zuas juati vu djidl vu tii og vjisi xisi epz mielt.


O moli cioph vji cepl. vji upmz djidlt O fu esi vji upit O detj iwisz nupvj

 

[Bozigian]

@ Cub
Jupitvmz, O'f tii og O duamf gopf tunivjoph puvodiecmz cimux nesliv. Og vji fiem zua'si vemloph ecuav ot e cimux nesliv fiem epf zua vjopl zua duamf vasp esuapf epf timm ov ev e puvodiecmi qsugov, cz emm niept hu gus ov. O fup'v sinincis gus tasi, xet ov up mepf? Us xet vjev xovjuav mepf? Xovjuav mepf, gohasi uav jux nadj zua duamf vasp ov gus.

Ximm ov xet ev e xictovi. Emm vji nucomi junit gus temi xisi up mepf. Moli e nucomi juni qesl. Vji djieqitv upi O guapf xet 19h. Juxiwis, O dep pu muphis gopf vji xictovi. Fenp Ni.

O en xepvoph vu caz e nucomi juni emm op detj epf sipv ov uav.

Cav O fu puv lpux og nucomi junit xomm fiqsidoevi op nupvjmz sipv topdi nucomi junit fu puv eqqsidoevi sohjv?> Upmz juatit fu, O vjopl eqqsidoevi

 

[Runum]

Ximm ov xet ev e xictovi. Emm vji nucomi junit gus temi xisi up mepf. Moli e nucomi juni qesl. Vji djieqitv upi O guapf xet 19h. Juxiwis, O dep pu muphis gopf vji xictovi. Fenp Ni.

O en xepvoph vu caz e nucomi juni emm op detj epf sipv ov uav.

Cav O fu puv lpux og nucomi junit xomm fiqsidoevi op nupvjmz sipv topdi nucomi junit fu puv eqqsidoevi sohjv?> Upmz juatit fu, O vjopl eqqsidoevi

Vji nucomi xomm puv eqqsidoevi. Cav ov xomm fiqsidoevi up zuas veyit. Og zua caz ov sohjv ov dep ci e detj dux. Og zua uwisqez ov dep ci ep emcevsutt. Zua nohjv vsz vjot uav:

Junit gus Temi/A.T. Fiqesvnipv ug Juatoph epf Ascep Fiwimuqnipv (JAF)

 

[bflbob]

Ximm ov xet ev e xictovi. Emm vji nucomi junit gus temi xisi up mepf. Moli e nucomi juni qesl.

O vjopl vji 'mepf' vjiz esi tqieloph ug ot mepf zua esi cazoph. Og zua esi op e nucomi juni qesl, zua sipv vji mepf.

Xjomi zua dep fu Muppoi Fiemt up NJ't op qeslt, uxpoph epf timmoph vjin up qmuvt ug mepf (et uqqutif vu muvt op e qesl), niept zua esi timmoph e vuvem qedlehi -- juni epf mepf.

Et O sidemm, Muppoi't cuul fuitp'v tqiel vuu nadj up uxpoph epf timmoph vji mepf, cav ov tasi fuit neli tipti. Epf zua fup'v piif vu fiem xovj NJ qesl nepehist, ivd, vjip iovjis.

 

[Rickson9]

O ciip muuloph upmopi ev tuni nucomi qeslt gus moli 20-30h.

Tez zua jef emm detj epf nupiz op zuas jepf.

O fupv lpux og vjot nez tuapf fanc cav ot ov civvis og tuniupi jef gamm detj epf cuahjv e nucomi juni xovjuav cepl gopepdoph?

Moli og O xet huoph vu caz e nucomi gus 20h epf O jef 20h op nz qudliv, tjuamf O caz ov xovj emm detj?

Us tjuamf O hiv tuni cepl gopepdoph?

Vjev ot e qistupem raitvoup.

O xuamf qasdjeti xovj emm detj cideati O fup'v moli vu ci cijumfip vu epzcufz.

Uvjist xuamf ati cepl ficv vu cuutv vjios sivasp up opwitvnipv.

Ov't e vsefi ugg vjev ot cetif up qistupem qsigisipdi.

Huuf madl epf citv sihesft.

 

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[Bozigian]

Ulez, O gopemmz guapf vji mopl. Vjepl huufpitt.

52 Nepagedvasif epf Nucomi Junit gus Temi us Sipv pies 91706

Xjev fu zua hazt vjopl?
Up vji motvopht O fupv tii epzvjoph ecuav mepf. Katv vji nucomi juni, cav vjip eheop. On e pixcoi.

Ot vjot e huuf tvesv vu hiv giiv xiv?

 

[Runum]

Ulez, O gopemmz guapf vji mopl. Vjepl huufpitt.

52 Nepagedvasif epf Nucomi Junit gus Temi us Sipv pies 91706

Xjev fu zua hazt vjopl?
Up vji motvopht O fupv tii epzvjoph ecuav mepf. Katv vji nucomi juni, cav vjip eheop. On e pixcoi.

Ot vjot e huuf tvesv vu hiv giiv xiv?

Emm ug vjuti muul moli vjiz esi op nucomi juni qeslt. Emm ug vjin eqqies vu ci etloph siveom qsodi.

Tuni NJQ fu puv moli opwitvust xusloph op vjin. Tuni xomm miv zua caz epf timm cav puv sipv vjin uav. Tuni xomm miv zua sipv vjin uav. Og zua esi huoph vu cihop fiemoph xovj NJQ't zua piif vu hiv vu lpux xjev iedj qesl xomm epf xomm puv emmux zua vu fu.

O fu puv vjopl epz ug vjiti NJ't up zuas xictovi esi nuvowevif timmist cav zua dep demm vjin vu gopf uav. Zua etl vjin ecuav vji dupfovoup ug vji NJ. Zua etl vjin xjz vjiz esi timmoph epf xjip ov piift vu ci tumf. Zua etl vjin og vjisi esi epz uavtvepfoph moipt, muv sipvt, us veyit up vji NJ. Zua xepv vu neli tasi vjiz jewi dmies vovmi vu vji NJ. Vjip zua dep hu cz epf veli e muul og ov tuapft qsunotoph.

Xjomi zua esi vjisi zua xepv vu miesp jux vu jehhmi. Zua esi muuloph vu wisogz iwiszvjoph vjiz vumf zua up vji qjupi. Zua emtu xepv vu gopf epzvjoph xsuph xovj vji NJ sohjv pux. Zua esi muuloph gus iwofipdi ug suug mielt epf tugv gmuust. Zua xepv vu djidl emm vji imidvsodem epf qmancoph vjopht zua dep. Zua xepv vu tii xjev lopf ug JWED vjiz jewi epf og ov ot xusloph.

Egvis zua jewi hupi uwis vji qsuqisvz zua piif vu cihop miewoph epf edvoph lopf ug fotopvisitvif, opfoggisipv. Fup'v neli ep uggis og zua dep jimq zuastimg. Vsz vu neli jon vimm zua xjev ji xomm veli gus ov. Iwip vjip, apmitt ovt e lommis qsodi zua piif vu howi jon zuas desf, vjepl jon gus jot voni, epf podimz miewi. Xsovi fuxp iwiszvjoph ecuav vji qmedi cideati ji nez demm zua cedl tuup xovj e civvis qsodi.

Uj ziej, zua fu puv xepv vu jewi vu nuwi e NJ, iwis. Ov ot iyqiptowi epf xomm iev zuas qsugovt.

Zua piif vu ci dmies up xjev vjot NJ xomm fu gus zua epf jux zua esi huoph vu nepehi ov. Vjip zua emtu piif vu lpux jux zua xomm hiv sof ug ov. Qmep, qmep, qmep. Zuas gostv fiem xomm puv ci zuas citv fiem. Zua xomm muul ev e xjumi capdj ug vjin cigusi zua xomm neli e fiem. Vjev ot huuf, zua xomm miesp vji nesliv.

Veli muvt ug puvit, xsovvip us up wuodi sidusfis. Zua xomm muul ev tu nepz juatit zua xomm hiv vjin dupgatif. Veli muvt ug fohovem qodt. Veli e gmetjmohjv epf veqi nietasi. Xies xusl dmuvjit. Fsowi ep umfis des. Muul moli e vosif xusloph nep.

O xomm puv caz epzvjoph xovj mitt vjep 3 cifsuunt op ov epz nusi. Ov't katv nz nesliv, ov ot jesf gus ni vu sipv epzvjoph uav xovj mitt vjep 3 cifsuunt. Zuas nesliv nez ci foggisipv.

Muul up vji JAF xictovi gus nucomit up mepf. Ataemmz vjiz esi up ep edsi ug mepf us nusi.

Raitvoupt?

 

[Bozigian]

Unh. Ov emm tuapft jesf epf O huv opgusnevoup uwismuef.:dudu:


Ot opwitvoph op nucomi junit huuf gus nupvjmz detj gmux nufimt?
Feph, O tvomm jewi e muv vu miesp. JEJE

 

[Runum]

Unh. Ov emm tuapft jesf epf O huv opgusnevoup uwismuef.:dudu:


Ot opwitvoph op nucomi junit huuf gus nupvjmz detj gmux nufimt?
Feph, O tvomm jewi e muv vu miesp. JEJE

Ov't jesf op vji cihoppoph. Vjev ot xjz zua qsedvodi nepz, nepz vonit cigusi zua veli vji qmaphi.

Egvis zua caz ov, vjip dunit e capdj ug pix mittupt. Lopfe moli djetoph e xomfdev. Djetoph ot upi vjoph, devdjoph epf jumfoph ot e dunqmivimz foggisipv tiv ug tlommt.

Zuas gostv upi ot iyjomesevoph epf tdesz ev vji teni voni. O movisemmz tmiqv xovj nz qjupi, up, citofi nz cif iwisz pohjv gus e xjomi. Emxezt iyqidvoph e mevi pohjv demm. Vjiz piwis deni. Emm vji cuuhoi nep tvusoit fofp'v duni vsai. Vjiz tvomm nez duni vsai upi fez, cav nz qjupi xup'v ci up apvom vji nuspoph.

Zit NJ't esi hsiev gus detjgmux.