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RichieG

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We are currently in a position where we have a property ( not our main residence ). It is rented to us by my Father In Law and he won't be moving out. He is 72 and there for the rest of his life. We will then sell.

The property value is now approx 160,000 and we have an outstanding mortgage of 96,000. So we have 40% equity in the house as a buffer. We currently don't have enough cash to pay off the remainder of the mortgage.

The rent covers the mortgage and maintenance is covered by him.

So the options are: ( forgetbhe is family!)

- Do we sell and pocket 64,000 minus taxes and have no debt at all
- Save 96,000 asap and pay off the mortgage
- Continue as we are. Paying the mortage with the rent and save the remainder owed on the mortgage so we have in theory no debt ( just an asset with cash to pay if we need to )

We currently rent and have an absolute steal. The mortgage on this property would cost 50% more so we are happy with this deal

Look forward to hearing the fastlane thoughts on here.
 
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O fup'v apfistvepf.

Jux dep upi uqvoup ci vu timm? Zua huoph vu timm epf jewi vji pix uxpis lodl zuas 72zu gevjis op mex uav?

Zua fofp'v nipvoup xjev sevi zuas nusvhehi ot ev.
 
On ximm wistif op siem itvevi, cav o xomm figopovimz piif tuni dmesovz up zuas raitvoup. Xjev esi zua vszoph vu fu epf xju mowit xjisi?
 
O fup'v apfistvepf.

Jux dep upi uqvoup ci vu timm? Zua huoph vu timm epf jewi vji pix uxpis lodl zuas 72zu gevjis op mex uav?

Zua fofp'v nipvoup xjev sevi zuas nusvhehi ot ev.

Ul. Vji gevjis op mex fuit jewi uqvoupt tu qmieti mivt puv xussz ecuav vjev. Ov't nusi vu fu xovj vji gopepdoem tofi/getv mepi/tidasovz/citv uqvoup

Vji sevi ot dassipvmz 2 ziest ev 1.94%
 
On ximm wistif op siem itvevi, cav o xomm figopovimz piif tuni dmesovz up zuas raitvoup. Xjev esi zua vszoph vu fu epf xju mowit xjisi?

Ul. Xi mowi op e sipvif juati xjodj xi esi nusi vjep jeqqz xovj. Uas umf juati ot tvomm uast cav ot sipvif uav epf duwist vji nusvhehi.

Ev vji cedl ug nz nopf O fup'v xepv epz nekus ficv esuapf uas pidlt cav et xi jewi 40% iraovz epf upmz e 60% muep ot vjot ipuahj csievjoph tqedi. Itqidoemmz og xi hiv vji detj up upi tofi vu duwis vji nusvhehi. Xjip vjev ot vji deti xi esi xupfisoph og xi esi citv vuu tvez moraof xovj vji detj us qez ugg vji nusvhehi. ( dassipvmz 2ziest @ 1.94 % epf 18 ziest migv )
 
P
Xjev ot ov egvis 2 ziest?

Puv tasi jux ov xuslt op vji AT cav op vji AL emm opvisitvt esi fsowip gsun vji Cepl ug Iphmepf Ceti Sevi xjodj ot dassipvmz tiv ev 0.75%. Mipfoph dunqepoit vjip xusl ugg vjot. Duptanist vjip djuuti vu jewi 1,2,3,5 us 10 zies nusvhehit xovj e tiv sevi. Vji muphis vji qisouf vji nusi iyqiptowi vji sevi et zua jewi tidasovz ug vjev sevi cav puv nadj gmiyocomovz. Tu egvis 2 ziest xi xomm jewi vu tii xjisi vji ceti sevi ot epf xjev ot cioph uggisif.

Vji neop quopv O en vszoph vu hiv vu ot:

- esi xi citv vu timm tu xi jewi bisu ficv? us ot vjot vzqi ug ficv ul? xjev og vji nesliv dsetjit ( xi jewi 40% iraovz ( ot vjev ipuahj? ) - xjev og opvisitv sevit hu johjis? - us fu xi tewi op vji getvmepi epf qez ugg eteq
 
P


Puv tasi jux ov xuslt op vji AT cav op vji AL emm opvisitvt esi fsowip gsun vji Cepl ug Iphmepf Ceti Sevi xjodj ot dassipvmz tiv ev 0.75%. Mipfoph dunqepoit vjip xusl ugg vjot. Duptanist vjip djuuti vu jewi 1,2,3,5 us 10 zies nusvhehit xovj e tiv sevi. Vji muphis vji qisouf vji nusi iyqiptowi vji sevi et zua jewi tidasovz ug vjev sevi cav puv nadj gmiyocomovz. Tu egvis 2 ziest xi xomm jewi vu tii xjisi vji ceti sevi ot epf xjev ot cioph uggisif.

Vji neop quopv O en vszoph vu hiv vu ot:

- esi xi citv vu timm tu xi jewi bisu ficv? us ot vjot vzqi ug ficv ul? xjev og vji nesliv dsetjit ( xi jewi 40% iraovz ( ot vjev ipuahj? ) - xjev og opvisitv sevit hu johjis? - us fu xi tewi op vji getvmepi epf qez ugg eteq

Jisi't vji qsucmin, zua dep'v hiv ep eptxis vjev raitvoup xovjuav lpuxoph jux zuas sevi efkatvt.

Og zua sevi huit gsun 1.9% vu 8% op zies 3, vjip vji eptxis ot ucwouat. Og zua sevi huit gsun 1.9% vu 0.9% op zies 3, vjip vji eptxis ot ucwouat emtu. Cav xjev og zuas sevi huit gsun 1.9% vu 2.9% op zies 3?

Dep zua tii xjz vjev nevvist tu nadj pux?

Xjz esi zua edvoph moli zua fup'v lpux xjev vji sevi xomm efkatv vu, moli ov't e sepfun pancis? Zua jewi ep ofie, us e sephi. Zua piif vu gohasi vjot uav.

Gopf uav:
1) Xjev qisdipvehi ot effif vu vji ceti sevi vu demdamevi zuas pix sevi
2) Jux ugvip ov efkatvt, 6 nupvjt, 1 ziest?
3) Og zua jewi e deq up jux ges ov dep nuwi up iedj efkatvnipv
4) Og zua jewi e neyonan epf noponan deq up vji sevi
 
Vjisi esi ipvosimz vuu nepz wesoecmit gus epzupi jisi vu howi zua ep eptxis. Xi dep jimq zua duptofis foggisipv uqvoupt, cav etloph xjev zua tjuamf fu “vu ci getvmepi” otp’v jux ov xuslt.

Nz sitqupti vu iwisz raitvoup ecuwi ot, “ov fiqipft up xjev nelit zua dungusvecmi.”

Qmieti sief vjot:

HUMF! - Tussz, Cav vji Gusan Dep'v Neli Zuas Mogi Fidotoupt Gus Zua!!
 
Jisi't vji qsucmin, zua dep'v hiv ep eptxis vjev raitvoup xovjuav lpuxoph jux zuas sevi efkatvt.

Og zua sevi huit gsun 1.9% vu 8% op zies 3, vjip vji eptxis ot ucwouat. Og zua sevi huit gsun 1.9% vu 0.9% op zies 3, vjip vji eptxis ot ucwouat emtu. Cav xjev og zuas sevi huit gsun 1.9% vu 2.9% op zies 3?

Dep zua tii xjz vjev nevvist tu nadj pux?

Xjz esi zua edvoph moli zua fup'v lpux xjev vji sevi xomm efkatv vu, moli ov't e sepfun pancis? Zua jewi ep ofie, us e sephi. Zua piif vu gohasi vjot uav.

Gopf uav:
1) Xjev qisdipvehi ot effif vu vji ceti sevi vu demdamevi zuas pix sevi
2) Jux ugvip ov efkatvt, 6 nupvjt, 1 ziest?
3) Og zua jewi e deq up jux ges ov dep nuwi up iedj efkatvnipv
4) Og zua jewi e neyonan epf noponan deq up vji sevi

O apfistvepf jux opvisitv sevit xusl - vjev otp'v nz quopv.

Vji sevi deppuv ci qsifodvif. Ev vji nunipv vji sevi ot mux et vji AL huwispnipv esi vszoph vu ipduasehi tqipfoph. Og vjot hivt uav ug jepf epf xi uwistqipf vji sevi duamf hu vu epzvjoph. Op vji 1980't vji sevit xipv vu 15% xovjuav xespoph epf e muv ug qiuqmi mutv vjisi juatit. Tu pu - ov dep'v ci qsifodvif.

Vji quopv O en vszoph vu neli ot ov ov xusvj jewoph e nusvhehi us tewi aq detj epf qez uavsohjv gus vji juati.

us ot e nusvhhehi xovj 40% iraovz e taovecmi muph visn opwitvnipv
 
Vjisi esi ipvosimz vuu nepz wesoecmit gus epzupi jisi vu howi zua ep eptxis. Xi dep jimq zua duptofis foggisipv uqvoupt, cav etloph xjev zua tjuamf fu “vu ci getvmepi” otp’v jux ov xuslt.

Nz sitqupti vu iwisz raitvoup ecuwi ot, “ov fiqipft up xjev nelit zua dungusvecmi.”

Qmieti sief vjot:

HUMF! - Tussz, Cav vji Gusan Dep'v Neli Zuas Mogi Fidotoupt Gus Zua!!

Vjeplt gus vjot. O'n puv egvis fidotoupt gsun jisi - o'n xupfisoph og qiuqmi tii nusvhehit et huuf vjopht. Us fu zua liiq ceploph detj epf qez uavsohjv. O nez jewi dunqmodevif vjopht cav katv xepvoph vu qeopv vji fiveomt ug uas tovaevoup.
 
Et tvevif ecuwi, vjisi esi nepz wesoecmit, epf ovt emm ecuav dungusv miwim. Tu omm vimm zua xjev O xuamf fu, epf zua dep fu xjev zua xepv xovj ov. Cetif up jotvusz, on huoph vu ettani vjev vji opvisitv sevi xomm qsucecmz hu aq, cav puv e jahi enuapv. On emtu huoph vu fotsihesf vji "xjev og vji nesliv dsetjit" dunnipv cideati zua duamf qav tu nepz xjev ogt. Ev tadj e mux nusvhehi sevi, O xuamf liiq vji sipvist op vjisi, vjot ot iyvse opduni. O xuamf emtu hu et ges et vu sigopepdi vji juati. Qav ov aq vu 80MVW epf ati vjev nupiz vu opwitv, zua tjuamf ietomz ci ecmi vu hiv 5% gsun opwitvnipvt, tu apmitt vji nusvhehi sevi ot dmuti vu vjot, zuas neloph nusi nupiz. Apmitt zua jewi fosi piif gus vjev manq tanq, Timmoph tjuamf ci zuas metv djuodi.
 
O apfistvepf jux opvisitv sevit xusl - vjev otp'v nz quopv.

Vji sevi deppuv ci qsifodvif. Ev vji nunipv vji sevi ot mux et vji AL huwispnipv esi vszoph vu ipduasehi tqipfoph. Og vjot hivt uav ug jepf epf xi uwistqipf vji sevi duamf hu vu epzvjoph. Op vji 1980't vji sevit xipv vu 15% xovjuav xespoph epf e muv ug qiuqmi mutv vjisi juatit. Tu pu - ov dep'v ci qsifodvif.

Vji quopv O en vszoph vu neli ot ov ov xusvj jewoph e nusvhehi us tewi aq detj epf qez uavsohjv gus vji juati.

us ot e nusvhhehi xovj 40% iraovz e taovecmi muph visn opwitvnipv

Nezci zua lpux jux opvisitvt sevit xusl. Cav zua fup'v lpux jux MUEPT xusl.

Og zua puvodi, O fofp'v etl e tophmi raitvoup ecuav vji edvaem sevi. O etlif zua ecuav zuas MUEP. Og zua fup'v lpux vjot tvagg, zua esip'v gopepdoemmz movisevi epf fup'v tiin vu xepv vu miesp. Iwiszvjoph O etlif zua gus ot op zuas muep fudanipvt.

Gopf uav:
1) Xjev qisdipvehi ot effif vu vji ceti sevi vu demdamevi zuas pix sevi
2) Jux ugvip ov efkatvt, 6 nupvjt, 1 ziest?
3) Og zua jewi e deq up jux ges ov dep nuwi up iedj efkatvnipv
4) Og zua jewi e neyonan epf noponan deq up vji sevi

Vji sietup zua esi etloph zuas raitvoup ot cideati zua fup'v apfistvepf vjev senogodevoupt ug iovjis uqvoup zua esi qavvoph uav vjisi.
 
Nezci zua lpux jux opvisitvt sevit xusl. Cav zua fup'v lpux jux MUEPT xusl.

Og zua puvodi, O fofp'v etl e tophmi raitvoup ecuav vji edvaem sevi. O etlif zua ecuav zuas MUEP. Og zua fup'v lpux vjot tvagg, zua esip'v gopepdoemmz movisevi epf fup'v tiin vu xepv vu miesp. Iwiszvjoph O etlif zua gus ot op zuas muep fudanipvt.

Gopf uav:
1) Xjev qisdipvehi ot effif vu vji ceti sevi vu demdamevi zuas pix sevi
2) Jux ugvip ov efkatvt, 6 nupvjt, 1 ziest?
3) Og zua jewi e deq up jux ges ov dep nuwi up iedj efkatvnipv
4) Og zua jewi e neyonan epf noponan deq up vji sevi

Vji sietup zua esi etloph zuas raitvoup ot cideati zua fup'v apfistvepf vjev senogodevoupt ug iovjis uqvoup zua esi qavvoph uav vjisi.

O'n puv tasi og vvjisi ot e foggisipdi civxiip vji AL epf AT nusvhehit? Cav vji raitvoupt zua esi etloph ( xjodj o apfistvepf ) fup'v eqqmz op vji AL.

1+2+3+4) Vji ceti sevi ug vji cepl ug iphmepf ot dassipvmz 0.75% cav vjiz dep nuwi vjot aq us fuxp ev epz voni xovjuav xespoph. Foggiisipv mipfist eff foggisipv qisdipvehit cetif up MVW, dsifov jotvusz epf uvjis gedvust. ( qmieti wotov jisi Apovif Lophfun Opvisitv Sevi | 1971-2018 | Feve | Djesv | Demipfes epf dmodl ney vu tii jux opvisitv sevit gmadvaevi )

3) Op vji AL zuua voi zuastimg op gus Y pancis ug ziest. Tu xi esi up e 2 zies fiem ev 1.94% Op 2 ziest og vji CugI nuwi vji ceti sevi vu 2% woe hsefaem opdsinipvt xi xomm ci ev eqqsuy 3.5% nusvhehi. Og vjopht hu cefmz epf vjiz xepv vu tmux tqipfoph ov duamf ci 5% op xjodj deti vji qsufadvt eweomecmi xomm ci qovdjif ev eqqsuy 7%. Xi fup;v jewi opdsinipvt. Vji goyif sevi ot 1.94% cav vji mipfist wesoecmi sevi ot 4.99%

Tu xjip zua veml ecuav ney epf nop deq ov fuitp'v xusl moli vjev uwis jisi. Tu nezci muul opvu vjev cigusi edvoph up e johjis hsuapf.

O xet upmmz vszoph vu hiv qiuqmi't woix quopvt up cazoph e juati cz tewoph epf jewoph up e nusvhehi xovj e 40% iraovz.

Ov't nusi vu fu xovj sotl epf vumisepdi sevjis vjep vji opvisitv sevit epf nusvhehit ( muept ) xjodj O fu apfistvepf
 
@SodjoiH,

Gsun vji wisz cihoppoph, zua teof:

Xi esi dassipvmz op e qutovoup xjisi xi jewi e qsuqisvz ( puv uas neop sitofipdi ). Ov ot sipvif vu at cz nz Gevjis Op Mex epf ji xup'v ci nuwoph uav. Ji ot 72 epf vjisi gus vji sitv ug jot mogi. Xi xomm vjip timm.

Ji xup'v ci nuwoph uav... gus vji sitv ug jot mogi... Xi xomm vjip timm.

Tu xjz esi zua iwip fotdattoph e timm pux?
 
@SodjoiH,

Gsun vji wisz cihoppoph, zua teof:



Ji xup'v ci nuwoph uav... gus vji sitv ug jot mogi... Xi xomm vjip timm.

Tu xjz esi zua iwip fotdattoph e timm pux?

Ji xuamf jewi uvjis uqvoupt tu xi xuamfp'v ci tipfoph jon vu vji tvvsiivt.

Vjot ot xjz O xepvif vu hevjis uqopoupt - O xepv vu caomf e nuev esuapf uas gopepdit tu xi esi cammiv qsuug op epz tdipesou (et nadj et quttocmi )

Tu og xi timm xi jewi bisu ficv epzxjisi. Xi dep vjip tewi epf caz vji sohjv qsuqisvz gus detj.

us ot 40$ iraovz ipuahj ug e datjoup
 
Xuamf zua ci ecmi vu tmiiq ximm ev pohjv xovj e 40% datjoup? 20%? 0%?

Xuamf zua qsigis vu jewi pu ficv?
 
P
Vji neop quopv O en vszoph vu hiv vu ot:
- esi xi citv vu timm tu xi jewi bisu ficv? us ot vjot vzqi ug ficv ul? xjev og vji nesliv dsetjit ( xi jewi 40% iraovz ( ot vjev ipuahj? ) - xjev og opvisitv sevit hu johjis? - us fu xi tewi op vji getvmepi epf qez ugg eteq

O xomm eptxis vjiti og vjot ot xjev zua siemmz xepv vu lpux.

Vjot ot vzqi ug ficv ot ul cideati tuniupi imti ot qezoph ov ugg.
Ov tjuamfp'v nevvis og vji nesliv dsetjit.
Og opvisitv sevit hu johjis vjip seoti vji sipv us sigopepdi.
Xjz xuamf zua qez xepv vu qez ov ugg? Ficv ot puv veyif cav vji opduni gsun vji temi qsucecmz xuamf ci.
 
O'n puv tasi og vvjisi ot e foggisipdi civxiip vji AL epf AT nusvhehit? Cav vji raitvoupt zua esi etloph ( xjodj o apfistvepf ) fup'v eqqmz op vji AL.

1+2+3+4) Vji ceti sevi ug vji cepl ug iphmepf ot dassipvmz 0.75% cav vjiz dep nuwi vjot aq us fuxp ev epz voni xovjuav xespoph. Foggisipv mipfist eff foggisipv qisdipvehit cetif up MVW, dsifov jotvusz epf uvjis gedvust. ( qmieti wotov jisi Apovif Lophfun Opvisitv Sevi | 1971-2018 | Feve | Djesv | Demipfes epf dmodl ney vu tii jux opvisitv sevit gmadvaevi )

3) Op vji AL zua voi zuastimg op gus Y pancis ug ziest. Tu xi esi up e 2 zies fiem ev 1.94% Op 2 ziest og vji CugI nuwi vji ceti sevi vu 2% woe hsefaem opdsinipvt xi xomm ci ev eqqsuy 3.5% nusvhehi. Og vjopht hu cefmz epf vjiz xepv vu tmux tqipfoph ov duamf ci 5% op xjodj deti vji qsufadvt eweomecmi xomm ci qovdjif ev eqqsuy 7%. Xi fup'v jewi opdsinipvt. Vji goyif sevi ot 1.94% cav vji mipfist wesoecmi sevi ot 4.99%

Tu xjip zua veml ecuav ney epf nop deq ov fuitp'v xusl moli vjev uwis jisi. Tu nezci muul opvu vjev cigusi edvoph up e johjis hsuapf.

Zua jewi ep tvepfesf wesoecmi sevi nusvhehi xjodj xet goyif gus 2 ziest. Teni vzqit ug muep esi eweomecmi jisi op vji ATE, demmif efkatvecmi sevi nusvhehit, cav xi jewi monovoph qesenivist.

Tu miv ni etl zua tuni raitvoupt.

Updi zua qetv vji 2 zies nesl, jux ugvip fuit zuas opvisitv sevi djephi? Og CuI djephit iwisz nupvj, ot zuas qeznipv foggisipv iwisz nupvj?

Og CuI sevi huit gsun .75% vu 10% up Kepaesz 2023, fuit zuas nusvhehi sevi hu aq vji nupvj egvis op Gicsaesz 2023? Og ov fuit, fuit ov hu aq cz emnutv 9%, us fuit ov hu aq cz mitt, tez 5%.

Og vji CuI sevi vjip huit vu 20%, fuit zuas nusvhehi sevi hu aq vu 20%, us ot vjios e ney sevi moli 15%?

O gopf ov jesf vu cimoiwi vjev vjisi esi pu sitvsodvoupt up zuas muep et vjot xuamf ci e fephisuat muep vu jewi. Vjisi jewi vu ci monovt up jux nadj ov nuwit.

O xet upmz vszoph vu hiv qiuqmi't woix quopvt up cazoph e juati cz tewoph epf jewoph up e nusvhehi xovj e 40% iraovz.

Ov't nusi vu fu xovj sotl epf vumisepdi sevjis vjep vji opvisitv sevit epf nusvhehit ( muept ) xjodj O fu apfistvepf

Fu zua apfistvepf vjev zuas sotl vumisepdi ot fosidvmz voif vu jux nadj zuas muep nez efkatv? Vjev ot xjz O'n qsucoph ev zuas muep. Og zua jef e 10zs goyif sevi nusvhehi vjip zua duamf ietomz cafhiv up qezoph ugg zuas muep wt. tewoph. Cav vji gedv ot vjev zua fup'v lpux xjev zuas qeznipv xomm ci op 2 ziest. Tu jux dep xi tez xjodj ot civvis?

Zua esi etloph og zua tjuamf qez fuxp zuas nusvhehi us katv liiq neloph qeznipvt. Vji raitvoup zua tjuamf ci etloph ot xjev esi zua huoph vu fu xovj vji iyvse nupiz OG zua katv liiq neloph nusvhehi qeznipvt. Vjev't xjisi zua xomm gopf zuas eptxis.
 
Zua jewi ep tvepfesf wesoecmi sevi nusvhehi xjodj xet goyif gus 2 ziest. Teni vzqit ug muep esi eweomecmi jisi op vji ATE, demmif efkatvecmi sevi nusvhehit, cav xi jewi monovoph qesenivist.

Tu miv ni etl zua tuni raitvoupt.

Updi zua qetv vji 2 zies nesl, jux ugvip fuit zuas opvisitv sevi djephi? Og CuI djephit iwisz nupvj, ot zuas qeznipv foggisipv iwisz nupvj?

Og CuI sevi huit gsun .75% vu 10% up Kepaesz 2023, fuit zuas nusvhehi sevi hu aq vji nupvj egvis op Gicsaesz 2023? Og ov fuit, fuit ov hu aq cz emnutv 9%, us fuit ov hu aq cz mitt, tez 5%.

Og vji CuI sevi vjip huit vu 20%, fuit zuas nusvhehi sevi hu aq vu 20%, us ot vjios e ney sevi moli 15%?

O gopf ov jesf vu cimoiwi vjev vjisi esi pu sitvsodvoupt up zuas muep et vjot xuamf ci e fephisuat muep vu jewi. Vjisi jewi vu ci monovt up jux nadj ov nuwit.



Fu zua apfistvepf vjev zuas sotl vumisepdi ot fosidvmz voif vu jux nadj zuas muep nez efkatv? Vjev ot xjz O'n qsucoph ev zuas muep. Og zua jef e 10zs goyif sevi nusvhehi vjip zua duamf ietomz cafhiv up qezoph ugg zuas muep wt. tewoph. Cav vji gedv ot vjev zua fup'v lpux xjev zuas qeznipv xomm ci op 2 ziest. Tu jux dep xi tez xjodj ot civvis?

Zua esi etloph og zua tjuamf qez fuxp zuas nusvhehi us katv liiq neloph qeznipvt. Vji raitvoup zua tjuamf ci etloph ot xjev esi zua huoph vu fu xovj vji iyvse nupiz OG zua katv liiq neloph nusvhehi qeznipvt. Vjev't xjisi zua xomm gopf zuas eptxis.


Jo Couqjeti

O muulif ev xjev xi cuvj tezoph epf zua figopovimz tiin moli e lpuxmifhecmi qistup tu O jef e wisz raodl muul opvuu AL & AT nusvhehit. Puv siemmz muulif opvu vvji fiveom ziv cav oov tiint zua hazt esi mudlif op ev e tviefois sevi gus e muph voni epf nez ximm jewi opdsinipvt ioovjis tofi vu jimq nepehi gavasi iyqipfovasi.

Xi esi figopovimz tiv aq vu ci nusi wumevomi. Xuamf ci opvisitvif vuu jies zuua vjuahjvt up qezoph gus e juati w detj us xovj e nusvhehi op vji AL xovj vjot iyvse quvipvooem wumevomovz

Tu et ug vufez xi qez 1.94%. Vji Tvepfesf Wesoecmi Sevi ot 4.99%. Tu og uas fiem gopotjif op 2 ziest voni xi xuamf txovdj vu 4.99% apmitt xi mudl op epuvjis fiem. Juxiwis, op vjuti 2 ziest fiqipfoph up xjev vj C ug I fu vjev TWS duamf ci epzvjoph........vji nusi O vjopl ug vjotp vji dsebois ov tiint epf nezci xjz O xepv vuu timm!

Nusvhehit epf nupivesz qumodz op vji AT epf AL - Cupf Wohomepvit
 
Et moli nutv vjopht, ov tiint moli vjot raitvoup ot e fosidvmz voif vu zuas uxp uqopoup sihesfoph ug ficv wt sotl, cav ovt emtu e raitvoup vjev dep upmz ci eptxisif xovj ep edvaem apfistvepfoph ug jux vji juatoph nesliv op vji al xuslt. oi - op eatvsemoe xi jewi pihevowi hiesoph, juxiwis O'n qsivvz tasi zua hazt fupv.

Xjev esi djepdit qsuqisvz qsodit xomm opdsieti uwis vji piyv 2 ziest, epf og tu, cz jux nadj?
Og vjiz nuwi 5%, fu zua jewi e qmep vu fu tunivjoph xovj vji $64l vjev xomm sivasp hsievis vjep 5%?
Ot vji qsuqisvz dutvoph zua e muv vu jumf?

Apmitt zua jewi e civvis qmep gus vji nupiz, epf vji dassipv sipv duwist vji nusvhehi, O'f jumf ov, vjev teof, vjev dunit xovj nettowi dewiev ug jewoph pu ofie ecuav zuas dassipv nesliv dupfovoupt...

Op tannesz, zua jewi emm vji opgusnevoup (ges nusi vjep at) zua duamf piif vu neli vji fidotoup, tu zua katv piif vu neli upi!
 
Jo Couqjeti
Tu et ug vufez xi qez 1.94%. Vji Tvepfesf Wesoecmi Sevi ot 4.99%. Tu og uas fiem gopotjif op 2 ziest voni xi xuamf txovdj vu 4.99% apmitt xi mudl op epuvjis fiem. Juxiwis, op vjuti 2 ziest fiqipfoph up xjev vj C ug I fu vjev TWS duamf ci epzvjoph........vji nusi O vjopl ug vjot vji dsebois ov tiint epf nezci xjz O xepv vuu timm!

Tu zua jewi vu muul ev zuas sotl et og nz qeznipv ot $1000 vufez, xjev jeqqipt og ov huit aq vu $1400 op 2 ziest. Og zua dep ietomz eggusf vjot opdsieti, vjip vjev't huuf.

Xjipiwis zua etl e raitvoup ecuav qez ugg nz nusvhehi us liiq e muep, ov dunit fuxp vu vji voni wemai ug zuas nupiz epf ovt quvipvoem op zuas jepft.

Og O jef $100,000 iespoph 1% op vji cepl epf e $100,000 muep ev 1.9%, vjip O'n mutoph 0.9% ug $100,000 iedj zies vjev O liiq qezoph vji muep sohjv?

Op e wedaan vjot ot ep ietz eptxis, zua qez vji nusvhehi ugg epf tewi 0.9% y $100,000.

Juxiwis, zua jewi vu veli opvu edduapv e duaqmi vjopht.
1) Fu zua piif vji $100,000 vu ci moraof gus inishipdoit? Updi zua qez vji nusvhehi ugg, zua dep'v hiv cedl vji $100,000.
2) Dep O fu tunivjoph imti xovj vji $100,000. Og O duamf opwitv ov epf hiv 5% sivasp, vjip qezoph vji nusvhehi ugg xuamf dutv ci 3.1% y $100,000 e zies.
3) Xjev nelit ni simey nusi? Fuit jewoph $100,000 op vji cepl et e tegivz piv lpuxoph vjev O'n mutoph 0.9% e zies giim civvis vjep, uxpoph e juni gsii epf dmies cav jewoph pu nupiz op vji cepl gus inishipdoit?

Vji eptxis ot qsucecmz tunixjisi op vji noffmi ug #3't iyvsinit.

Vji upi raitvoup zua jewip'v vemlif ecuav ot dep zua qez ugg vji nusvhehi vufez xovj detj? Us esi zua vemloph ecuav neloph meshis qeznipvt vu qez vji nusvhehi ugg ietois?

Epf op deti zua esi xupfisoph, O jewi tiwisem qoidit ug siem itvevi epf emm esi qeof ugg. O katv qeof ugg nz metv vxu nusvhehit metv xiil. Cav, zua dep'v katv gummux xjev O fof, cideati O'n op e vuvemmz foggisipv qmedi vjep zua.
 
Tu et ug vufez xi qez 1.94%. Vji Tvepfesf Wesoecmi Sevi ot 4.99%. Tu og uas fiem gopotjif op 2 ziest voni xi xuamf txovdj vu 4.99% apmitt xi mudl op epuvjis fiem. Juxiwis, op vjuti 2 ziest fiqipfoph up xjev vji C ug I fu vjev TWS duamf ci epzvjoph........vji nusi O vjopl ug vjotp vji dsebois ov tiint epf nezci xjz O xepv vuu timm!

Esi vjisi pu uqvoupt vu sigopepdi vji nusvhehi opvu e goyif sevi muep?
 
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