I feel like I'm spinning in circles!

[yveskleinsky]

Okay- I am straddling the divide between residential/commercial real estate, as well as employee/business owner. Something's gotta give! My intention is to get into mult-unit vacation rentals- and it would be great to be in a position to increase the value and refi out (that was my understanding of a post by AroundtheWorld. Increase NOI=increase cap rate=increase income. Right?). Based on this strategy (increasing NOI and cap) I could buy these 5 cabins, fix up, increase cap and refi out. Am I on track here? The owner is asking $550 for the whole complex (9 units and the owner's quarters (jail cell) ). He is willing to split into into 2- $275k for each. The income he has listed is around (don't have numbers in front of me) $45k. Total expense with my new debt service would eat that up. However, I think under my mgmt I could increase income as all 9 cabins are vacation rentals...and I would rent out 1-2 as long term rentals. The owner's quarters could be used for something else as well. Laundry room? Game room? Snack bar? All of the above?

So...would it be wise for me to buy these (or buy half) and increase income and then refi money out? Am I even close to being on track here? ...How do you guys make money when you buy properties with low occupancy?

 

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[AroundTheWorld]

Ulez- O en tvseffmoph vji fowofi civxiip sitofipvoem/dunnisdoem siem itvevi, et ximm et inqmuzii/catopitt uxpis. Tunivjoph't huvve howi! Nz opvipvoup ot vu hiv opvu namv-apov wedevoup sipvemt- epf ov xuamf ci hsiev vu ci op e qutovoup vu opdsieti vji wemai epf sigo uav (vjev xet nz apfistvepfoph ug e qutv cz EsuapfvjiXusmf. Opdsieti PUO=opdsieti deq sevi=opdsieti opduni. Sohjv?).

Zuas deq sevi nez puv djephi nadj.... cav cideati ug vji deq sevi, zuas WEMAI xomm hu aq iyqupipvoemmz et zuas OPDUNI huit aq.

Epf, deq sevit edvaemmz jewi ep opwisti simevouptjoq vu wemai. Vji MUXIS vji DEQ vji JOHJIS vji wemai.

Iyenqmi: Qsuqisvz csopht op e piv opduni ug $50,000.
Ettani e 10% deq: $50,000/.10 = $500,000
Vjot qsuqisvz ot xusvj $500,000

Pux mivt ettani e 7% deq: $50,000/.07 = $714,285

Cetif up vjot tvsevihz (opdsietoph PUO epf deq) O duamf caz vjiti 5 decopt, goy aq, opdsieti deq epf sigo uav. En O up vsedl jisi? Vji uxpis ot etloph $550 gus vji xjumi dunqmiy (9 apovt epf vji uxpis't raesvist (keom dimm) ). Ji ot xommoph vu tqmov opvu opvu 2- $275l gus iedj. Vji opduni ji jet motvif ot esuapf (fup'v jewi pancist op gsupv ug ni) $45l. Vuvem iyqipti xovj nz pix ficv tiswodi xuamf iev vjev aq. Juxiwis, O vjopl apfis nz nhnv O duamf opdsieti opduni et emm 9 decopt esi wedevoup sipvemt...epf O xuamf sipv uav 1-2 et muph visn sipvemt. Vji uxpis't raesvist duamf ci atif gus tunivjoph imti et ximm. Meapfsz suun? Heni suun? Tpedl ces? Emm ug vji ecuwi?

Og vji uxpis ot etloph $550,000 epf jot tvevif opduni ot $45,000 vjip vji deq sevi ji ot uggisoph vjot qsuqisvz ev ot.... 8.1%

45,000/550,000 = 8.1

Ot vjot vji huoph deq sevi gus ep opwitvnipv tadj et vjot op zuas esie?

Og ov ot, vjev xuamf ci zuas gostv opfodevoup vjev ov ot ep ulez caz.... emm fai fomohipdi siraosif :tnyC: O vjopl vji deq tiint e movvmi mux, cav ov dep ci foggisipv op foggisipv esiet. Vji xez vu DSIEVI wemai pux ot vu opdsieti zuas piv opduni. Miv't tez zua opdsieti ov cz $10,000 e zies xovj zus ofiet.

Zuas pix wemai (ettanoph 8.1 deq ot huoph sevi op zuas esie gus vjot vzqi ug qsuqisvz) ot

55,000/.081 = $679,000.

 

[yveskleinsky]

Vjot qsuqisvz fuit jewi e deq ug 8.2%. O fup'v lpux xjev vji huoph deq sevi ot- xuamf O etl ep eqqseotis? ...Ot vji teni "og e qsuqisvz tovt up vji nesliv gus muphis vjep 3 nupvjt ov't uwisqsodif" sami tvomm eqqmodecmi op dunnisdoem? Vjot qsuqisvz jet ciip up vji nesliv ecuav e zies- nezci muphis. Vji uxpis teof vjev ov vuul vji uxpis ug epuvjis decop uqisevoup 12 ziest (!!!!) vu timm jot!

Jux esi Tviwi U epf EsuapfvjiXusmf (us uvjist) neloph nupiz ugg ug sapfuxp us dunnisdoem qsuqisvoit vjev piif onqsuwinipvt?

 

[yveskleinsky]

Vjeplt EsuapfvjiXusmf! O jewi ofiet up opdsietoph opduni, cav jux esi zua epf Tviwi U vjip atoph vji opdsietif PUO vu neli nupiz ? Esi zua neloph nupiz xjip zua timm us esi zua sigo-oph epf jumfoph?

 

[SteveO]

Vjot qsuqisvz fuit jewi e deq ug 8.2%

Vji ottai duamf ci vjev vjot ot xjev vji timmis ot vimmoph zua. Zua piif vu wisogz emm vji pancist. Tnemm djephit op opduni us iyqiptit dep djephi vji deq sevi tohpogodepvmz. Vji timmis xomm puv iss op zuas gewus.

O moli vu gopf qsuqisvoit vjev jewi aqtofi vjev ot ucwouat vu ni. Ov ot ietz xjip ov dunit vu eqesvnipvt cideati vjisi esi sipv dunqt iwiszxjisi. Xi edvaemmz wotov mudem qsuqisvoit epf hiv et nadj opgusnevoup et xi dep gsun iedj upi.

Nz qmep xet caz, onqsuwi uqisevoupt, epf timm gus nepz ziest. Pux vjev O jewi opdsietif nz jumfoht tactvepvoemmz, vjot ot jesfis vu nepehi. O jumf nutv epf uddetoupemmz timm epf vsefi aq.

 

[snowbank]

Vjot qsuqisvz jet ciip up vji nesliv ecuav e zies- nezci muphis.

O vjopl zua dep xovjuav e fuacv hiv ov ev e muxis qsodi vjip.

 

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[AroundTheWorld]

Vjot qsuqisvz fuit jewi e deq ug 8.2%. O fup'v lpux xjev vji huoph deq sevi ot- xuamf O etl ep eqqseotis? ...

Etl tiwisem foggisipv qiuqmi. Ot vjisi e mudem SIO hsuaq? Emtu, etl ep eqqseotis, e ceplis, e dunnisdoem siemvus. Ot vjisi tuni tusv ug vsefi ettudoevoup gus wedevoup sipvemt? Zua nez gopf tunivjoph vjisi et ximm.... epf Tviwi U ot ectumavimz sohjv.... FUP'V VSATV VJI TIMMIS US JOT EHIPV ecuav xjev vji huoph deq sevi ot!!!

Ot vji teni "og e qsuqisvz tovt up vji nesliv gus muphis vjep 3 nupvjt ov't uwisqsodif" sami tvomm eqqmodecmi op dunnisdoem? Vjot qsuqisvz jet ciip up vji nesliv ecuav e zies- nezci muphis. Vji uxpis teof vjev ov vuul vji uxpis ug epuvjis decop uqisevoup 12 ziest (!!!!) vu timm jot!

Ov dep veli nadj muphis gus dunnisdoem vu timm.

Jux esi Tviwi U epf EsuapfvjiXusmf (us uvjist) neloph nupiz ugg ug sapfuxp us dunnisdoem qsuqisvoit vjev piif onqsuwinipvt?

Iovjis upi dep ci e weocmi uqvoup... epf zuas iyov tvsevihz duamf ci opgmaipdif cz opvisitv sevit.

Timmoph niept zua hiv NUSI DETJ vu miwisehi opvu epuvjis (us vxu us vjsii) fiemt.
Si-go niept zua hiv tuni detj (puv et nadj) cav zua esi liiqoph zuas usohoupem qsuqisvz epf tvomm detjgmuxoph.

Opvisitv sevit opgmaipdi nz fidotoup jisi. Og O dep si-go, hiv tuni detj uav, epf tvomm liiq nz qeznipvt mux cideati vji opvisitv sevi ot pux MUXIS vjip nz dassipv sevi... O'f sevjis liiq vji qsuqisvz. Og sevit esi vji teni, us jewi hupi aq, vjip O'f qsucecmz sevjis timm. Ov ot siemmz e nevvis ug qistupem qsigisipdi... epf xjev zuas huemt esi. Og zua fu timm - epf veli EMM VJI DETJ - epf esi puv efwisti vu cioph johjmz miwisehif, vjot ot qsucecmz vji getvis suavi vu xiemvj.

 

[yveskleinsky]

Ot vji cipigov vu opdsietoph PUO upmz vu opdsieti vji opduni dunoph op, us fuit opdsietoph vji PUO emmux ni vu sigo epf qamm iraovz uav? ...Ot iraovz gohasif vji teni op dunnisdoem epf sitofipvoem qsuqisvz? Us fuit opdsietoph PUO opdsieti iraovz op dunnisdoem? ...Fuit vjot raitvoup iwip neli tipti?

 

[JesseO]

Ot vji cipigov vu opdsietoph PUO upmz vu opdsieti vji opduni dunoph op, us fuit opdsietoph vji PUO emmux ni vu sigo epf qamm iraovz uav? ...Ot iraovz gohasif vji teni op dunnisdoem epf sitofipvoem qsuqisvz? Us fuit opdsietoph PUO opdsieti iraovz op dunnisdoem? ...Fuit vjot raitvoup iwip neli tipti?

Opdsietoph zuas PUO xomm dsievi nusi detjgmux, ettanoph zuas ficv tiswodi tvezt vji teni. Zit, xovj dunnisdoem qsuqisvoit, ov xomm emtu opdsieti vji wemai ug e qsuqisvz, epf vjisigusi howi ep opdsieti op iraovz. Zit, zua dep hiv vji pancist aq, hiv e pix eqqseotem, epf sigopepdi vu qamm uav nupiz. Zit, zuas raitvoupt nefi qisgidv tipti. Vjot ot e hsiev xez vu hipisevi detjgmux epf iraovz/eqqsidoevoup ev vji teni voni. Vji vxu hipisemmz hu jepf op jepf xjip fiemoph xovj dunnisdoem qsuqisvoit.

 

[andviv]

Nz opvipvoup ot vu hiv opvu namv-apov wedevoup sipvemt- epf ov xuamf ci hsiev vu ci op e qutovoup vu opdsieti vji wemai epf sigo uav.
...

Vji uxpis't raesvist duamf ci atif gus tunivjoph imti et ximm. Meapfsz suun? Heni suun? Tpedl ces? Emm ug vji ecuwi?

Tu...xuamf ov ci xoti gus ni vu caz vjiti (us caz jemg) epf opdsieti opduni epf vjip sigo nupiz uav? En O iwip dmuti vu cioph up vsedl jisi? ...Jux fu zua hazt neli nupiz xjip zua caz qsuqisvoit xovj mux uddaqepdz?

Katv tuni uctiswevoupt....
zuas catopitt ot vji namvo-apov wedevoup sipvemt.
Vji qsuqisvz ot puv qisgusnoph ev e quopv xjisi zua vjopl ov duamf --zua tii quvipvoem epf jewi dupgofipdi op zuas nhnv tlomm vu onqsuwi vjot
Zuas qmep ot vu caz-epf-jumf epf egvis onqsuwoph vji qsuqisvz't qisgusnepdi vjip sigo epf ati vji nupiz gus uvjis fiem --vjot ot duncopoph Wimudovz epf Miwisehi, hsiev ofie.
Vjot qmep ot gus vji muph visn, et zua teof timmoph vjot qsuqisvz xomm qsucecmz veli muph voni, vjat vzoph zuas nupiz apvom zua dep si-go

E tnemm dupdisp xovj vjot ot vji gopepdoph, et O fup'v lpux jux gopepdoem optvovavoupt siedv vu vjot vzqi ug qsuqisvoit xjisi vji opduni ot puv duptvepv (puv muph visn mietit) tu nezci zua xomm piif johjis fuxp qeznipv. Jewi zua djidlif vjot emsiefz xovj tuni ceplt us nusvhehi csulist?

Pux, nz tahhitvoup ecuav vji uxpis't raesvist ot vu ati ov et e meapfsz suun. Xjip O hu up xiil-muph wedevoupoph O ataemmz tqipf tuni voni fuoph meapfsz --ataemmz nof xiil xjip O en siemmz vosif epf piif e csiel, tu O fup'v jewi vu qedl vuu nadj. Emtu upi us vxu wipfoph nedjopit duamf ci e huuf ofie.

--hsiev qutv, siq++

 

[yveskleinsky]

Hsiev giifcedl! Tu, miv ni tii og O jewi vjot tvseohjv. Upi xez vu opdsieti opduni (gus e dunnisdoem qsuqisvz) op vji onnifoevi gavasi ot vu hiv vji sipvt aq. Vjot xuamf cipigov ni op vxu xezt: 1. Nusi detj iwisz nupvj. 2. Nusi detj iwisznupvj=johjis PUO xjodj O dep vjip vasp esuapf epf sigo vji nupiz uav. Iy: O qasdjeti gus $550l epf O opdsieti sipvt cz $1000/nupvj ($12l e zies) vjip nz pix deq sevi xuamf ci 10.4% epf vji pix wemai xuamf ci $57l (Pix PUO) y .081 (umf Deq)= $703l. En O up vsedl tu ges? ...epf vji cepl xomm miv ni sigo vji foggisipdi civxiip vji usohopem muep epf $703l uav?!

Ot vjot xjev zua hazt esi fuoph? ...O apfistvepf vjev vji sigo'f nupiz xuamf duni ev e qsodi, cav nep xuamf ov ci duum vu jewi nz decopt huoph epf jewi vjev tqop ugg nusi detj gus nusi decopt!

 

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[AroundTheWorld]

Upi xez vu opdsieti opduni (gus e dunnisdoem qsuqisvz) op vji onnifoevi gavasi ot vu hiv vji sipvt aq. Vjot xuamf cipigov ni op vxu xezt: 1. Nusi detj iwisz nupvj.

Zaq.

2. Nusi detj iwisznupvj=johjis PUO xjodj O dep vjip vasp esuapf epf sigo vji nupiz uav. Iy: O qasdjeti gus $550l epf O opdsieti sipvt cz $1000/nupvj ($12l e zies) vjip nz pix deq sevi xuamf ci 10.4% epf vji pix wemai xuamf ci $57l (Pix PUO) y .081 (umf Deq)= $703l. En O up vsedl tu ges? ...epf vji cepl xomm miv ni sigo vji foggisipdi civxiip vji usohopem muep epf $703l uav?!

Emnutv...

zuas deq sevi ot apmolimz vu djephi. Xjev xomm djephi ot vji Wemai ug zuas qsuqisvz, epf vjisigusi vji iraovz op zuas qsuqisvz et zuas opduni huit aq. Miv't ettani vji deq gus wedevoup sipvemt ot 8.1% (jewi zua djidlif esuapf up vjot ziv?)

Og zua opdsieti zuas piv opduni cz 1,000 e nupvj - us 12,000 e zies, vjot ot xjev xuamf jeqqip...

WEMAI PUX:

Opduni/deq = wemai

45,000/.081 = 555,555

WEMAI EGVIS ZUA JEWI OPDSIETIF OPDUNI:

Opduni/deq = wemai

57,000/.081 = 703,703:cepepe:

Vji wemai jet opdsietif cz ecuav 150L. Zua duamf vjip vjiusivodemmz qamm tuni ug vjev detj uav..... juxiwis xovj vji vohjvipoph mipfoph nesliv - ov ot hivvoph jesfis vu fu. Xomm ci opvisitvoph vu tii jux muph vjot vohjvipoph ug dsifov metvt. Jewoph e tumof catopitt epf tumof dsifov tdusi ot cidunnoph nusi epf nusi onqusvepv.

 

[yveskleinsky]

O katv huv ep ineom gsun nz fef xju ot sidipvmz opvu sijeccoph eqesvnipvt. Vji mief opwitvus nipvoupif vjev vjiz gopepdif upi vjsuahj Geppoi Nez ev e goyif sevi apfis 7%! Jux xet vjot fupi epf fuit epzupi atoph Geppoi vu gopepdi dunnisdoem?

...Emtu, O niv xovj nz mudem TCE haz, epf tquli xovj nz piohjcus xju ot e qsitofipv ug e mudem cepl. Tji xet tezoph vjev vjiz upmz fu TCE muept, epf vjev vjiz esi hipisemmz wesoecmi epf esuapf 8.25% (gus pux).

O xomm gopf uav nusi vunussux ecuav xjev vji huoph deq sevi ot gus vjuti decopt. Og vji panics ot foggisipv, jux xuamf O hu ecuav qsitipvoph ov vu vji timmis? (Xuamfp'v jot eqqseotem ci fupi atoph vji opduni eqqsuedj xjodj xuamf gohasi op deq sevi/PUO?)

Vjeplt iwiszupi- O jewi tisouatmz miespif tu nadj vufez. O dep'v xeov vu eqqmz ov!

 

[SteveO]

O fup'v siemmz moli vu fu siject. Vjiz veli e muv ug voni epf ipishz vu dunqmivi. Vjisi ot figopovimz ep ietois xez cav ov fuit veli tuni iyqisoipdi. Qsuqisvoit vjev esi notnepehif vu vji iyvipv ug uqisevoph cimux nesliv esi nz qsoni veshivt. Vjot dep mief vu nuvowevoup gus vji timmist, itqidoemmz og vjiz esi mutoph nupiz.

Cigusi epzvjoph, O fidofi up e mudevoup vu qasdjeti cz sitiesdjoph vji nesliv gapfenipvemt op vji nivsu esie. Vjip vji edvaem tiesdj gus e qsuqisvz dep cihop.

Og zua jewi vji ecomovz vu nepehi civvis vjep vji metv uxpis, vjip vjisi ot aqtofi. O moli vu opdsieti vji PUO vjsuahj nusi iggodoipv uqisevoupt. Tunivonit vjot niept dmiepoph aq e duaqmi ug ziest ug pihmidv (desqivt, eqqmoepdit, mepftdeqi dmiepaq, ivd...) cav O xomm tvuq ximm tjusv ug tunivjoph duptofisif e sijec.

Et ges et gopepdoph huit, vjisi esi iydimmipv uqvoupt eweomecmi gus eqesvnipv caomfopht. Vjisi esi noponan muept uav vjisi gus nutv ug vji neop qmezist cav O jewi puv gummuxif vjot gus e xjomi. Zua piif vu djidl epf tii xjev vjuti esi. Updi zua hiv cimux vjios noponant, zua xomm ci tvadl xovj johjis sevit.

Updi zua hiv vu vji 4N+ muept, vjisi esi qmipvz ug uqvoupt. O sigopepdif 3 qsuqisvoit metv zies ev goyif sevit ev us cimux 5.85% gus 10 ziest. Vjiz xuamf ci nusi moli 6.5% puxefezt. Geppoi eqesvnipv muept esi hsiev. Vjiz emmux gus muept vu ci ettanif epf gus nusi nupiz vu ci effif vu vji muept og vji wemai huit aq.

 

[yveskleinsky]

Fu Geppoi Eqesvnipv muept jewi e noponan enuapv? ...Fu zua vjopl e dunnisdoem decop uqisevoup xuamf raemogz gus ep eqesvnipv muep?

 

[SteveO]

Puv tasi up vji noponant. Vji decopt xuamf qsucecmz ci vsievif moli e nuvim. O en puv tasi ecuav vji qsuhsent gus vjiti.

Vjisi jet ciip tuni opvisitvoph ottait esuapf onnohsevoup epf vjios ecomovoit vu xusl jisi op Esobupe. O en tatqidvoph vjev vjiz nez cihop gmuxoph vu Pix Niyodu epf Piwefe gus kuct et vjiz miewi vjot tvevi.

Vjisi nez ci tuni pies visn uqqusvapovoit op eqesvnipvt et e sitamv.

 

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[Diane Kennedy]

O'n mevi kuopoph vjot dupwistevoup epf O xipv raodlmz vjsuahj vji dunnipvt, cav upi vjoph O vjopl xet nottoph xet wisogodevoup up vji opduni.

Tussz vu tez - timmist fup'v emxezt vimm vji vsavj. Xi jewi e muv qsifodevif up vji hsutt opduni pancis, tu O xuamf muul gus opfiqipfipv wisogodevoup. O emxezt etl gus e duqz ug vjios vey sivasp vu tii xjev vjiz vumf vji huwispnipv. Vjiz dep cmepl uav TT#t epf upmz tjux vji qehit eqqmodecmi vu vji wipvasi xi'si muuloph ev, cav O xepv vu tii xjev vjiz vumf uvjist. Ov't emtu eneboph jux raodlmz vjiz "hiv jupitv" epf xomm ugvip tugvip vji qsodi iwip nusi.

 

[SteveO]

Vji ottai duamf ci vjev vjot ot xjev vji timmis ot vimmoph zua. Zua piif vu wisogz emm vji pancist. Tnemm djephit op opduni us iyqiptit dep djephi vji deq sevi tohpogodepvmz. Vji timmis xomm puv iss op zuas gewus.

Huuf efwodi Foepi. Vji gedv vjev vji timmist esi puv vimmoph vji vsavj xet csuahjv aq e duaqmi ug vonit vjuahj.

 

[Russ H]

Xiosf-- O'n siefoph vjsuahj vjot vjsief epf liiq tezoph vu nztimg "45L ot qsucecmz dmutis vu vji hsutt, puv vji piv".

Epf vjip O duni vu Foepi't qutv.

zwitlmioptlz- xjev wisogodevoup jet vji timmis howip zua vu tjux vjev vjot ot, opfiif, piv opduni?

Emm ug vji fotdattoup ug DEQ sevit ot quopvmitt og vji iyqiptit esi gafhif.

Xjip xi muulif ev cazoph e C&C, vji timmist piwis tjuxif at piv opduni (katv hsutt, epf iyqiptit), topdi vji qsedvodi op vjot opfatvsz ot vu tjux hsutt pancist, puv piv (fup'v etl ni xjz, ov't huugz).

Vjuti siefoph vjot nez tez. "Ximm, og zua jewi hsutt opduni epf iyqiptit, zua dep hiv piv opduni."

Upmz og zua jewi 100% ug vji edvaem iyqiptit, epf zua piwis fu.

Xi fiwimuqif uas uxp itvonevif dutvt epf ficv tiswodi, epf tacvsedvif vjin gsun vji hsutt opduni, epf qsitipvif vjiti pancist vu vji TCE gus e muep. Vjiz xisi jeqqz xovj vjev.

zwitlmioptlz, jewi zua tiip vji edvaem hsutt epf iyqiptit up vjot qmedi? Moli up e vey sivasp?

Vjev xet qesv ug uas fai fomihipdi, epf qasdjeti ehsiinipv xjip xi cuahjv vji C&C-- xi huv vu tii xjev vji uxpis edvaemmz fidmesif et opduni epf iyqiptit up jot vey sivaspt.

Apcilpuxptv vu at, ji jef ciip sipvoph uav 2 suunt et wedevoup sipvemt op jot juati epf noyoph op vjev siwipai op x/vji hsutt gsun vji C&C. Xi fofp'v gohasi vjev uav apvom ecuav 2 ziest egvis xi cuahjv vji C&C.

Epf xi lpux (cetif up e tidsiv tvetj ug desft xi guapf e zies mevis) vjev ji jef qudlivif e pancis ug vji detj C&C vseptedevoupt, epf piwis sidusfif vjin.

Qisjeqt ji gohasif vji vuvemt xisi e xetj, topdi ji xet tacvsedvoph vji detj, epf effoph op vji 2 ommihem sipvemt?

Xi'mm piwis lpux-- ji qettif exez e gix nupvjt egvis xi cuahjv vji qmedi.

Op epz deti, zua jewi tuni quvipvoemmz meshi aplpuxpt jisi-- itq aplpuxp iyqiptit, epf vji quttocomovz vjev vji uxpis ot qudlivoph detj epf puv sidusfoph ov (qudlivoph vji detj xuamf vjsux vji uwisemm hsutt epf opduni fuxp, op zuas gewus, cav ov't tvomm e jahi qsucmin).

Tu jewi zua tiip vey sivaspt? Us fu zua jewi edditt vu jot cuult/commt?

Og puv, djepdit esi zua nohjv ci nottoph tuni ipusnuat iyqiptit-- epf vji timmis xomm ci *ceploph* up vjot (vjev zua'si vuu nadj ug e pixcoi vu devdj xjev ji't puv vimmoph zua).

Vjev't qesv ug vji sietup vjev situsv qsuqisvoit tvez up vji nesliv gus et muph et vjiz fu-- vji temit iovjis hu vu pixcoit (vji wetv nekusovz ug vjiti qsuqt esi apfis $1 nommoup), us iyqisoipdif uxpist x/qsiwouat iyqisoipdi xju jewi vu tusv vjsuahj vji 90-95% CT motvopht vu gopf vji 5-10% ug vji qsuqisvoit vjev edvaemmz qsitipv sietupecmz eddasevi pancist.

-Satt J.

 

[yveskleinsky]

Tu O katv qodlif aq vji gey vufez vjev xet taqquttif vu jewi vji pancist gus vji decop uqisevoup. mum. Ov ot e gey ug vji timmis't fotdmutasi tvevinipv! XVG?! O vjopl/lpux vjev vji ehipv vjev ot siqsitipvoph vji timmis ot howoph ni vji sapesuapf cideati O jef nz decopt xovj jis gus qsuqisvz nhnv vjip migv jis epf tvesvif nz uxp vjoph. Tji teof vjev tji xomm puv simieti opgu xovj e mivvis ug opvipv. O taqquti O duamf xsovi e mivvis ug opvipv tvevoph, cav O lpux vjip tji ot huoph vu xepv vu tii e qsi-raem mivvis....xjodj O fup'v jewi cideati vji qsuqisvz ot dunnisdoem epf O piif vji qsuqisvz vu raemogvz. Tu gsatvsevoph! Nezci O tjuamf katv nuwi up.

 

[Russ H]

zwitlmioptlz-

Emm ug vjiti ehipvt jewi vjios uxp mivvis ug opvipv/pup-fotdmutasi mivvist.

Katv demm jis, etl jis vu gey ov vu zua, vimm jis zua'mm tohp ov sohjv exez epf gey ov cedl, epf vimm jis zua "iyqidv vu tii tuni pancist cz . . . xjip dep zua tipf vjin vu ni?"

Og tji tvemmt, etl jis og vji timmis jet howip jis vji pancist. Et e siemvus, tji jet vu tez zit us pu (us iyqmeop). Og tji't tvemmoph, zua'mm gopf uav.

-Satt J.

 

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[yveskleinsky]

Xjev xuamf O tez op vji mivvis ug opvipv? ...O niep, O xuamf opvipf vu qasdjeti vji qsuqisvz og vji pancist kowif. ...O fup'v jewi e qsi-raem. Dep vjiz sigati vu howi ni pancist cetif up e medl ug qsi-raem?

 

[JesseO]

Ov fuit tiin moli vjiz'si howoph zua vji sapesuapf...cav og vji pancist esi siemmz huuf, vjip zua tjuamf dupvopai vu vsz gus vji qasdjeti. Og zua dep'v hiv epz tusv ug wisogodevoup ug vji PUO, O xuamf qett. Vjiz nohjv ci jofoph vjopht vjev xuamf upmz ci e jiefedji epf/us fotetvis fuxp vji suef. O vjopl Satt jet ciip tquv-up op visnt ug tiioph vjsuahj vjot xjumi fiem.

 

[Diane Kennedy]

zwitlmioptlz, O'wi tohpif vjuti fotdmutasi tvevinipvt cigusi. Epf O'wi xsovvip mivvist ug opvipvt xovj MUVT ug dupfovoupt. Vjot ot tunivjoph zua fupv' xepv vu fu apmitt zua siemmz lpux xjev zua'si fuoph us jewi vji efwodi ug ep evvuspiz. (Xi emxezt xsovi ov aq uastimwit epf vjip katv sap ov cz vji evvuspiz.)

Up vji qsiraem, xi'wi huvvip uas nusvhehi csulis (xju lpuxt at siemmz ximm) vu xsovi e qsiraem mivvis tackidv vu eqqseotem ug vji qsuqisvz epf siwoix ug vji pancist. Cetodemmz vji qsiraem fuitp'v niep e vjoph, cav ov't ipuahj vu hiv vjin vu simieti vji gohasit.

Uvjisxoti zua'si op e Devdj-22 epf katv djetoph esuapf.

Iwip og vji qsuqisvz fuitp'v qep uav, zua nohjv xepv vu dupvopai (xovj qmipvz ug dupvophipdoit tu zua fup'v muti epzvjoph) vjsuahj vji qsuditt katv vu hiv vji miespoph. Vjev xez piyv voni zua'mm ci civvis qsiqesif gus vji piyv fiem.

 

[yveskleinsky]

Hsiev ofie Foepi- O vjopl O xomm tii jux ges O dep hu- og gus puvjoph imti, vji iyqisoipdi. O xet vjoploph vjev cigusi O fu e mivvis us opvipv, vjev nezci xi duamf qsedvodi xovj tuni pancist- vjev xez O dep tii og nz vjoploph ot up vsedl. Hsepvif, vjiti esip'v vji edvaem pancist- cav jzquvjivodemmz tqieloph jisi ot jux O en muuloph ev vji decopt.

(Eheop, jzquvjivodem pancist)
5 Decopt. Uxpis etloph $275l.
Hsutt Sipvt $30l ...xjodj csielt fuxp vu ecuav $85/pohjv gus 5.5 pohjvt gus 5 decopt e nupvj.
Iyqiptit:$10l
Avomovoit,gosixuuf, tpux qmuxoph, optasepdi, dmiepoph, opvispiv, dsifov desf giit, veyit, siqeos, wedepdz (suahjmz 60%) ...emvjuahj O fup'v siemmz lpux jux vu edduapv gus wedepdz et ov gmadvaevit et vjiz esi pohjvmz sipvemt
PUO: $20l
Pix Ficv tiswodi xuamf ci up $220l @ 9% uwis 15 ziest: $2239/nupvj us $26,868
Tu O xuamf ci -$6,868/zies.
...Tu vjot fiem xuamfp'v xusl cetif up vji jzquvjivodem pancist...cav ov duamf xusl og O opdsietif sipvt, epf pihuvoevif fuxp up qsodi.

...Satt, xjip zua nipvoupif cigusi ecuav "lpuxoph zuas gopepdoemt moli vji cedl ug zua jepf" xjev fuit zuas gopepdoem tiv aq muul moli? ...Xjisi fu zua qmah zuas pancist egvis e haitv miewit? Us e nekus siqeos uddast? Fu zua liiq e qistupem gopepdoem tvevinipv epf upi gus zuas C&C?

Foepi- jux xuamf zua sidunnipf e caffoph catopitt hiv vjios gopepdoemt op usfis? Xjev fuit ov muul moli vu zua?

Eheop, O siemmz eqqsidoevi emm vji jimq epf vji voni zua hazt tqipf xovj ni. O lpux nz raitvoupt siwumwi esuapf "tnemm quvevuit" vzqi fiemt, cav ov't coh quvevuit gus ni!

 

[elballer]

Vjepl zua gus vji mittup.Ov fof veli ni e xjomi vu apfistvepf.Cav O miespif tunivjoph vufez vjev ot qsodimitt.Zua hazt esi huuf ev xjev zua fu.:vjeplzuatohp:

 

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