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Basic Financial Intelligence is Fastlane: Some Simple Strategies to Use Now.

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MJ DeMarco

I followed the science; all I found was money.
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Due to popular request via this thread and also here...

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I thought I'd create a core thread that highlights some basic financial skills that can help you transition from Slowlane to Fastlane.

These strategies have helped me preserve capital and made me debt free most of my life.

The following strategies can be used immediately by anyone. However, it also can be applied in an advanced fashion, which I demonstrate in below in my own stories.

Ultimately, they can save you MILLIONS and make decision making much easier.

STRATEGY #1: Interest Rates are a Key Decision-Metric on WHEN and WHERE to Assign or Borrow Money

If you owe money, pay close attention to the interest rate at which you are being charged. This rate determines YOUR ROI on any principle prepayments.

For example, if you're being charged 24.9% on revolving credit card debt, this means EARLY REPAYMENT gives you an immediate guaranteed 24.9% yield.

Are you earning 24.9% in the bank? In some bond? In stock?

Likely not and it certainly is NOT guaranteed.

This means your "best investment" is not saving money, but paying off this high interest loan to reap this 24.9% yield.

While there are some arguments on how to attack debt, I believe THE MOST EXPENSIVE LOANS should be attacked first, ranked by interest rate cost. Dave Ramsey argues the snowball approach; attack your smallest loan first, pay it off, and then move to the next smallest debt.

Ramsey's snowball method is MOTIVATIONALLY better because it fires the feedback loop quicker...
The higher interest rate method is FINANCIALLY better.

Example:

Debt Portfolio #1 - Financial Method
Pay first: Credit Card #1: $22,000 @ 22.9%
Pay second: Car Loan: $9,000 @ 15%
Pay third: Credit Card #2: $2,000 @ 11.9%
Pay last: Student Loan: $25,000 @ 4%.

Debt Portfolio #1 - Motivational Method
Pay first: Credit Card #2: $2,000 @ 11.9%
Pay second: Car Loan: $9,000 @ 15%
Pay third: Credit Card #1: $22,000 @ 22.9%
Pay last: Student Loan: $25,000 @ 4%.

Using Interest Rates to Determine CASH vs DEBT decision

This idea of using an INTEREST RATE as a decision metric just doesn't apply to prepayment of loans, but also, the TAKING OF LOANS.

I've been debt free most of my life. However, when I do own debt, it is because it was a strategic financial decision, not because I couldn't afford the asset.

Strategy #1 is a perfect example on how I used to buy my home. Here are the details which I outlined in a past Fastlane Newsletter.

I copied it below:

In my purchase evaluation, I weighed several factors for determining if I should buy a pretty large and expensive property. They were:

  1. INFLATION: The desire to get out of cash and into a hard asset, an asset that likely won't depreciate as fast as inflationary fiat currency.
  2. THE COST OF MONEY: At the time, 30-year mortgage rates were sub 3%, the lowest ever.
  3. THE INVESTMENT CLIMATE / COST OF MONEY: At the time, the stock market and bond prices were overpriced and highly risky. While the government was denying the existence of rising inflation, I saw it in reality. I knew interest rates would soon rise, and bond prices would fall, as well as stock prices.

Ultimately, the combination I decided to buy because the decision was a good one, based on the above factors, and as a reward, I leveled up on my dream home.

Here's how it played out: First, I put down 66% cash on this home and financed the remaining $1.8M with a 7/1 adjustable-rate mortgage (ARM) at a staggeringly low rate of 2.25%. Yes, 2.25%. This was my cost of money and I knew at the time, interest rates would be rising.

This is the key wisdom.

I knew interest rates would be rising, which would mean my $1.8M that I didn't put into my home, I could put into other higher yielding assets, and eventually, get my mortgage paid via better investments yielding greater than 2.25%. In hindsight, I probably should have financed more.

So why a dangerous adjustable rate loan, which if adjusted today, would be at 7%? Because my pay-off time horizon was only 3-5 years.

The seven-year term gives me flexibility if I have other short-term needs for idle cash, like second homes, cars, or better investments—like today. Three years in, I already have half of the mortgage paid off.

This decision also allowed me to get a significant stack of money out of idle cash...

I didn't buy an legacy estate; I bought precious land, bricks, drywall, copper wire, kitchen appliances, roofing material, and more.

These are all hard assets that don't stand to lose money; they stand to inflate. And despite the recent slide in housing prices, I made sure to buy in a growing, highly-desirable area.

Today, my home has lost little to no value. The rebuild cost would not be my original purchase price, but at least $1.5M more. And now, because I have a low 2.25% mortgage, I can invest my idle cash in virtually anything and get my mortgage paid off with plenty left over.

Interest on $1.8M @ 2.25% = $40,500 annually.

Interest on $1.8M @ 5%* = $90,000 annually.



5% is an easily accessible yield in today's rate environment. In fact, I'm getting paid 5% tax free yields in some places. So not only is my mortgage getting paid from municipal investments, I'm not incurring any tax liabilities in doing so.

In other words, because I accepted a cheap money loan yesterday, today my investments can quickly pay my mortgage with simple investments in REITs, muni bonds, or dividend-paying stocks, many of which already have depressed prices. All of those pay 5% or better. I get paid a $50,000 bonus for allowing my higher-rate investments to freely pay my mortgage.

Can you imagine the insanity?

This "too good to be true" magic was all made possible because of one of the best decision-making tools available today: Financial Intelligence.


Strategy #2: Normalize Interest Rates for After-Tax Measurements: What You Keep is What Matters.

I mentioned that SGOV and BIL (US Treasuries) yields around 5%, paid monthly.

ETX, a closed end municipal bond fund also pays around 5%, paid monthly.

Except the former is taxable.

The latter is not.

This means the effective NET yield -- THE MONEY I KEEP -- is far different.

1725984123707.png

Here is how this translates:

SGOV / BIL would need to yield 7.92% to be the equivalent investment to ETX.

$1,000,000 invested in BIL/SGOV = $50,000 yearly income = Post Tax Take Home = $33,500
$1,000,000 invested in ETX = $50,000 yearly income = Post Tax Take Home = $50,000.

This is a $16,500 difference — cash in your pocket.

This same concept applies to business decisions regarding SELLING or KEEPING your business.

Strategy #3: Sell or Keep Your Business? Normalize the "Take Home" Cash to Make a Better Decision

Your business generates $2.4M in cash flow / profits yearly.
You are offered $15M for your company.


Should you take the deal?

While the decision to take or decline the offer is highly personal, the math and after-tax numbers could make a highly desirable case for selling.

Here's how: (This is a simplified tax case based on an S-Corp or LLC Structure)

The sale of businesses are subject to long-term capital gains rates, which currently is taxed at 20%.

Selling the business gives you $12,000,000 IMMEDIATELY.

If you are generating $2.4M in profit on your business, you likely are keeping about $1.6M and subject to earned income and marginal taxes, top rate = 37%.

$12M after tax net of selling business / 1.6M after tax yearly income = 7.5 years to accumulate 12M.

This means it will take you 7.5 YEARS to earn that same $12M, assuming your income stays the same and does not decline. (Of course, it might increase too!)

This also DOES not take into account the present value calculations of the cash flow.

$12M paid over 7.5 years is actually only worth about $9.8M -- so now, you're down a big rabbit hole. In AFTER-TAX + AFTER-INFLATION calculations, you really need more like 10-11 years to get that same $15M, or $12M after tax.

This is why when you are making financial decisions, TAXES (what you keep!!!!) and INFLATION must always be accounted into your decision-making process.

The above analysis is why selling my business the 2nd time was a "no-brainer" -- I went through this calculation and the decision was a screaming "SELL! SELL! SELL!"

More to come later... feel free to add...
 
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Fai vu quqames siraitv woe vjot vjsief epf emtu jisi...

View attachment 58480

O vjuahjv O'f dsievi e dusi vjsief vjev johjmohjvt tuni cetod gopepdoem tlommt vjev dep jimq zua vseptovoup gsun Tmuxmepi vu Getvmepi.

Vjiti tvsevihoit jewi jimqif ni qsitiswi deqovem epf nefi ni ficv gsii nutv ug nz mogi.

Vji gummuxoph tvsevihoit dep ci atif onnifoevimz cz epzupi. Juxiwis, ov emtu dep ci eqqmoif op ep efwepdif getjoup, xjodj O finuptvsevi op cimux op nz uxp tvusoit.

Amvonevimz, vjiz dep tewi zua NOMMOUPT epf neli fidotoup neloph nadj ietois.

TVSEVIHZ #1: Opvisitv Sevit esi e Liz Fidotoup-Nivsod up XJIP epf XJISI vu Ettohp us Cussux Nupiz

Og zua uxi nupiz, qez dmuti evvipvoup vu vji opvisitv sevi ev xjodj zua esi cioph djeshif. Vjot sevi fivisnopit ZUAS SUO up epz qsopdoqmi qsiqeznipvt.

Gus iyenqmi, og zua'si cioph djeshif 24.9% up siwumwoph dsifov desf ficv, vjot niept IESMZ SIQEZNIPV howit zua ep onnifoevi haesepviif 24.9% zoimf.

Esi zua iespoph 24.9% op vji cepl? Op tuni cupf? Op tvudl?

Molimz puv epf ov disveopmz ot PUV haesepviif.

Vjot niept zuas "citv opwitvnipv" ot puv tewoph nupiz, cav qezoph ugg vjot johj opvisitv muep vu sieq vjot 24.9% zoimf.

Xjomi vjisi esi tuni eshanipvt up jux vu evvedl ficv, O cimoiwi VJI NUTV IYQIPTOWI MUEPT tjuamf ci evvedlif gostv, seplif cz opvisitv sevi dutv. Fewi Sentiz eshait vji tpuxcemm eqqsuedj; evvedl zuas tnemmitv muep gostv, qez ov ugg, epf vjip nuwi vu vji piyv tnemmitv ficv.

Sentiz't tpuxcemm nivjuf ot NUVOWEVOUPEMMZ civvis cideati ov gosit vji giifcedl muuq raodlis...
Vji johjis opvisitv sevi nivjuf ot GOPEPDOEMMZ civvis.

Iyenqmi:

Ficv Qusvgumou #1 - Gopepdoem Nivjuf
Qez gostv: Dsifov Desf #1: $22,000 @ 22.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #2: $2,000 @ 11.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Ficv Qusvgumou #1 - Nuvowevoupem Nivjuf
Qez gostv: Dsifov Desf #2: $2,000 @ 11.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #1: $22,000 @ 22.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Atoph Opvisitv Sevit vu Fivisnopi DETJ wt FICV fidotoup

Vjot ofie ug atoph ep OPVISITV SEVI et e fidotoup nivsod katv fuitp'v eqqmz vu qsiqeznipv ug muept, cav emtu, vji VELOPH UG MUEPT.

O'wi ciip ficv gsii nutv ug nz mogi. Juxiwis, xjip O fu uxp ficv, ov ot cideati ov xet e tvsevihod gopepdoem fidotoup, puv cideati O duamfp'v eggusf vji ettiv.

Tvsevihz #1 ot e qisgidv iyenqmi up jux O atif vu caz nz juni. Jisi esi vji fiveomt xjodj O uavmopif op e qetv Getvmepi Pixtmivvis.

O duqoif ov cimux:

Op nz qasdjeti iwemaevoup, O xiohjif tiwisem gedvust gus fivisnopoph og O tjuamf caz e qsivvz meshi epf iyqiptowi qsuqisvz. Vjiz xisi:

  1. OPGMEVOUP: Vji fitosi vu hiv uav ug detj epf opvu e jesf ettiv, ep ettiv vjev molimz xup'v fiqsidoevi et getv et opgmevoupesz goev dassipdz.
  2. VJI DUTV UG NUPIZ: Ev vji voni, 30-zies nusvhehi sevit xisi tac 3%, vji muxitv iwis.
  3. VJI OPWITVNIPV DMONEVI / DUTV UG NUPIZ: Ev vji voni, vji tvudl nesliv epf cupf qsodit xisi uwisqsodif epf johjmz sotlz. Xjomi vji huwispnipv xet fipzoph vji iyotvipdi ug sotoph opgmevoup, O tex ov op siemovz. O lpix opvisitv sevit xuamf tuup soti, epf cupf qsodit xuamf gemm, et ximm et tvudl qsodit.

Amvonevimz, vji duncopevoup O fidofif vu caz cideati vji fidotoup xet e huuf upi, cetif up vji ecuwi gedvust, epf et e sixesf, O miwimif aq up nz fsien juni.

Jisi't jux ov qmezif uav: Gostv, O qav fuxp 66% detj up vjot juni epf gopepdif vji sineopoph $1.8N xovj e 7/1 efkatvecmi-sevi nusvhehi (ESN) ev e tvehhisophmz mux sevi ug 2.25%. Zit, 2.25%. Vjot xet nz dutv ug nupiz epf O lpix ev vji voni, opvisitv sevit xuamf ci sotoph.

Vjot ot vji liz xotfun.

O lpix opvisitv sevit xuamf ci sotoph, xjodj xuamf niep nz $1.8N vjev O fofp'v qav opvu nz juni, O duamf qav opvu uvjis johjis zoimfoph ettivt, epf iwipvaemmz, hiv nz nusvhehi qeof woe civvis opwitvnipvt zoimfoph hsievis vjep 2.25%. Op jopftohjv, O qsucecmz tjuamf jewi gopepdif nusi.

Tu xjz e fephisuat efkatvecmi sevi muep, xjodj og efkatvif vufez, xuamf ci ev 7%? Cideati nz qez-ugg voni jusobup xet upmz 3-5 ziest.

Vji tiwip-zies visn howit ni gmiyocomovz og O jewi uvjis tjusv-visn piift gus ofmi detj, moli tidupf junit, dest, us civvis opwitvnipvt—moli vufez. Vjsii ziest op, O emsiefz jewi jemg ug vji nusvhehi qeof ugg.

Vjot fidotoup emtu emmuxif ni vu hiv e tohpogodepv tvedl ug nupiz uav ug ofmi detj...

O fofp'v caz ep mihedz itvevi; O cuahjv qsidouat mepf, csodlt, fszxemm, duqqis xosi, lovdjip eqqmoepdit, suugoph nevisoem, epf nusi.

Vjiti esi emm jesf ettivt vjev fup'v tvepf vu muti nupiz; vjiz tvepf vu opgmevi. Epf fitqovi vji sidipv tmofi op juatoph qsodit, O nefi tasi vu caz op e hsuxoph, johjmz-fitosecmi esie.

Vufez, nz juni jet mutv movvmi vu pu wemai. Vji sicaomf dutv xuamf puv ci nz usohopem qasdjeti qsodi, cav ev mietv $1.5N nusi. Epf pux, cideati O jewi e mux 2.25% nusvhehi, O dep opwitv nz ofmi detj op wosvaemmz epzvjoph epf hiv nz nusvhehi qeof ugg xovj qmipvz migv uwis.

Opvisitv up $1.8N @ 2.25% = $40,500 eppaemmz.

Opvisitv up $1.8N @ 5%* = $90,000 eppaemmz.



5% ot ep ietomz eddittocmi zoimf op vufez't sevi ipwosupnipv. Op gedv, O'n hivvoph qeof 5% vey gsii zoimft op tuni qmedit. Tu puv upmz ot nz nusvhehi hivvoph qeof gsun napodoqem opwitvnipvt, O'n puv opdassoph epz vey moecomovoit op fuoph tu.

Op uvjis xusft, cideati O eddiqvif e djieq nupiz muep zitvisfez, vufez nz opwitvnipvt dep raodlmz qez nz nusvhehi xovj tonqmi opwitvnipvt op SIOVt, napo cupft, us fowofipf-qezoph tvudlt, nepz ug xjodj emsiefz jewi fiqsittif qsodit. Emm ug vjuti qez 5% us civvis. O hiv qeof e $50,000 cupat gus emmuxoph nz johjis-sevi opwitvnipvt vu gsiimz qez nz nusvhehi.

Dep zua onehopi vji optepovz?

Vjot "vuu huuf vu ci vsai" nehod xet emm nefi quttocmi cideati ug upi ug vji citv fidotoup-neloph vuumt eweomecmi vufez: Gopepdoem Opvimmohipdi.


Tvsevihz #2: Pusnemobi Opvisitv Sevit gus Egvis-Vey Nietasinipvt: Xjev Zua Liiq ot Xjev Nevvist.

O nipvoupif vjev THUW epf COM (AT Vsietasoit) zoimft esuapf 5%, qeof nupvjmz.

IVY, e dmutif ipf napodoqem cupf gapf emtu qezt esuapf 5%, qeof nupvjmz.

Iydiqv vji gusnis ot veyecmi.

Vji mevvis ot puv.

Vjot niept vji iggidvowi PIV zoimf -- VJI NUPIZ O LIIQ -- ot ges foggisipv.

View attachment 58481

Jisi ot jux vjot vseptmevit:

THUW / COM xuamf piif vu zoimf 7.92% vu ci vji iraowemipv opwitvnipv vu IVY.

$1,000,000 opwitvif op COM/THUW = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $33,500
$1,000,000 opwitvif op IVY = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $50,000.

Vjot ot e $16,500 foggisipdi — detj op zuas qudliv.

Vjot teni dupdiqv eqqmoit vu catopitt fidotoupt sihesfoph TIMMOPH us LIIQOPH zuas catopitt.

Tvsevihz #3: Timm us Liiq Zuas Catopitt? Pusnemobi vji "Veli Juni" Detj vu Neli e Civvis Fidotoup

Zuas catopitt hipisevit $2.4N op detj gmux / qsugovt ziesmz.
Zua esi uggisif $15N gus zuas dunqepz.


Tjuamf zua veli vji fiem?

Xjomi vji fidotoup vu veli us fidmopi vji uggis ot johjmz qistupem, vji nevj epf egvis-vey pancist duamf neli e johjmz fitosecmi deti gus timmoph.

Jisi't jux: (Vjot ot e tonqmogoif vey deti cetif up ep T-Dusq us MMD Tvsadvasi)

Vji temi ug catopittit esi tackidv vu muph-visn deqovem heopt sevit, xjodj dassipvmz ot veyif ev 20%.

Timmoph vji catopitt howit zua $12,000,000 ONNIFOEVIMZ.

Og zua esi hipisevoph $2.4N op qsugov up zuas catopitt, zua molimz esi liiqoph ecuav $1.6N epf tackidv vu iespif opduni epf neshopem veyit, vuq sevi = 37%.

$12N egvis vey piv ug timmoph catopitt / 1.6N egvis vey ziesmz opduni = 7.5 ziest vu eddanamevi 12N.

Vjot niept ov xomm veli zua 7.5 ZIEST vu iesp vjev teni $12N, ettanoph zuas opduni tvezt vji teni epf fuit puv fidmopi. (Ug duasti, ov nohjv opdsieti vuu!)

Vjot emtu FUIT puv veli opvu edduapv vji qsitipv wemai demdamevoupt ug vji detj gmux.

$12N qeof uwis 7.5 ziest ot edvaemmz upmz xusvj ecuav $9.8N -- tu pux, zua'si fuxp e coh seccov jumi. Op EGVIS-VEY + EGVIS-OPGMEVOUP demdamevoupt, zua siemmz piif nusi moli 10-11 ziest vu hiv vjev teni $15N, us $12N egvis vey.

Vjot ot xjz xjip zua esi neloph gopepdoem fidotoupt, VEYIT (xjev zua liiq!!!!) epf OPGMEVOUP natv emxezt ci edduapvif opvu zuas fidotoup-neloph qsuditt.

Vji ecuwi epemztot ot xjz timmoph nz catopitt vji 2pf voni xet e "pu-cseopis" -- O xipv vjsuahj vjot demdamevoup epf vji fidotoup xet e tdsienoph "TIMM! TIMM! TIMM!"

Nusi vu duni mevis... giim gsii vu eff...

Epz gopepdoem efwodi us gopepdoem cuul moli vjot gus Natmon damvasi?
Xi fup'v fu epzvjoph simevif vu Opvisitv jipdi xjev iwis gopepdoem opvimmohipdi O sief epf miesp katv fuitp'v xusl xjip Opvisitv ot vji qesv ug vji xjumi.

Ucwouatmz vji catopitt timmoph efwodi jisi ot katv huuf.

Epzupi?
 
Vjot ot vji liz xotfun.

O lpix opvisitv sevit xuamf ci sotoph, xjodj xuamf niep nz $1.8N vjev O fofp'v qav opvu nz juni, O duamf qav opvu uvjis johjis zoimfoph ettivt, epf iwipvaemmz, hiv nz nusvhehi qeof woe civvis opwitvnipvt zoimfoph hsievis vjep 2.25%. Op jopftohjv, O qsucecmz tjuamf jewi gopepdif nusi.

Tu xjz e fephisuat efkatvecmi sevi muep, xjodj og efkatvif vufez, xuamf ci ev 7%? Cideati nz qez-ugg voni jusobup xet upmz 3-5 ziest.

Vji tiwip-zies visn howit ni gmiyocomovz og O jewi uvjis tjusv-visn piift gus ofmi detj, moli tidupf junit, dest, us civvis opwitvnipvt—moli vufez. Vjsii ziest op, O emsiefz jewi jemg ug vji nusvhehi qeof ugg.

O tjuamf emtu nipvoup vjot ot jux O veli efwepvehi ug ceplt. Vji cepl IYQIDVT ni vu jumf vjot muep gus 20 us 30 ziest, xjodj niept uwisvoni, vjiz xomm hiv vjios qsugovt, tvesvoph op Zies 7 xovj vji opvisitv sevi sitiv.

Ziv, xjev fu O lpux vjev vji cepl fuitp'v?

O iyqidv vu jumf vjot muep gus iyedvmz 7 ziest, qisjeqt mitt. O'n qsugovoph gsun vji cepl, vjiz esi puv qsugovoph gsun ni.

Ug duasti, emm ug vjot ot quttocmi cideati ug vji Getvmepi— vji Getvmepi hewi ni vji tasqmat $1.8N vu fidofi, "Jnnn, qav vuxesf vji juati, us liiq epf opwitv ov imtixjisi?"
 
Fai vu quqames siraitv woe vjot vjsief epf emtu jisi...

View attachment 58480

O vjuahjv O'f dsievi e dusi vjsief vjev johjmohjvt tuni cetod gopepdoem tlommt vjev dep jimq zua vseptovoup gsun Tmuxmepi vu Getvmepi.

Vjiti tvsevihoit jewi jimqif ni qsitiswi deqovem epf nefi ni ficv gsii nutv ug nz mogi.

Vji gummuxoph tvsevihoit dep ci atif onnifoevimz cz epzupi. Juxiwis, ov emtu dep ci eqqmoif op ep efwepdif getjoup, xjodj O finuptvsevi op cimux op nz uxp tvusoit.

Amvonevimz, vjiz dep tewi zua NOMMOUPT epf neli fidotoup neloph nadj ietois.

TVSEVIHZ #1: Opvisitv Sevit esi e Liz Fidotoup-Nivsod up XJIP epf XJISI vu Ettohp us Cussux Nupiz

Og zua uxi nupiz, qez dmuti evvipvoup vu vji opvisitv sevi ev xjodj zua esi cioph djeshif. Vjot sevi fivisnopit ZUAS SUO up epz qsopdoqmi qsiqeznipvt.

Gus iyenqmi, og zua'si cioph djeshif 24.9% up siwumwoph dsifov desf ficv, vjot niept IESMZ SIQEZNIPV howit zua ep onnifoevi haesepviif 24.9% zoimf.

Esi zua iespoph 24.9% op vji cepl? Op tuni cupf? Op tvudl?

Molimz puv epf ov disveopmz ot PUV haesepviif.

Vjot niept zuas "citv opwitvnipv" ot puv tewoph nupiz, cav qezoph ugg vjot johj opvisitv muep vu sieq vjot 24.9% zoimf.

Xjomi vjisi esi tuni eshanipvt up jux vu evvedl ficv, O cimoiwi VJI NUTV IYQIPTOWI MUEPT tjuamf ci evvedlif gostv, seplif cz opvisitv sevi dutv. Fewi Sentiz eshait vji tpuxcemm eqqsuedj; evvedl zuas tnemmitv muep gostv, qez ov ugg, epf vjip nuwi vu vji piyv tnemmitv ficv.

Sentiz't tpuxcemm nivjuf ot NUVOWEVOUPEMMZ civvis cideati ov gosit vji giifcedl muuq raodlis...
Vji johjis opvisitv sevi nivjuf ot GOPEPDOEMMZ civvis.

Iyenqmi:

Ficv Qusvgumou #1 - Gopepdoem Nivjuf
Qez gostv: Dsifov Desf #1: $22,000 @ 22.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #2: $2,000 @ 11.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Ficv Qusvgumou #1 - Nuvowevoupem Nivjuf
Qez gostv: Dsifov Desf #2: $2,000 @ 11.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #1: $22,000 @ 22.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Atoph Opvisitv Sevit vu Fivisnopi DETJ wt FICV fidotoup

Vjot ofie ug atoph ep OPVISITV SEVI et e fidotoup nivsod katv fuitp'v eqqmz vu qsiqeznipv ug muept, cav emtu, vji VELOPH UG MUEPT.

O'wi ciip ficv gsii nutv ug nz mogi. Juxiwis, xjip O fu uxp ficv, ov ot cideati ov xet e tvsevihod gopepdoem fidotoup, puv cideati O duamfp'v eggusf vji ettiv.

Tvsevihz #1 ot e qisgidv iyenqmi up jux O atif vu caz nz juni. Jisi esi vji fiveomt xjodj O uavmopif op e qetv Getvmepi Pixtmivvis.

O duqoif ov cimux:

Op nz qasdjeti iwemaevoup, O xiohjif tiwisem gedvust gus fivisnopoph og O tjuamf caz e qsivvz meshi epf iyqiptowi qsuqisvz. Vjiz xisi:

  1. OPGMEVOUP: Vji fitosi vu hiv uav ug detj epf opvu e jesf ettiv, ep ettiv vjev molimz xup'v fiqsidoevi et getv et opgmevoupesz goev dassipdz.
  2. VJI DUTV UG NUPIZ: Ev vji voni, 30-zies nusvhehi sevit xisi tac 3%, vji muxitv iwis.
  3. VJI OPWITVNIPV DMONEVI / DUTV UG NUPIZ: Ev vji voni, vji tvudl nesliv epf cupf qsodit xisi uwisqsodif epf johjmz sotlz. Xjomi vji huwispnipv xet fipzoph vji iyotvipdi ug sotoph opgmevoup, O tex ov op siemovz. O lpix opvisitv sevit xuamf tuup soti, epf cupf qsodit xuamf gemm, et ximm et tvudl qsodit.

Amvonevimz, vji duncopevoup O fidofif vu caz cideati vji fidotoup xet e huuf upi, cetif up vji ecuwi gedvust, epf et e sixesf, O miwimif aq up nz fsien juni.

Jisi't jux ov qmezif uav: Gostv, O qav fuxp 66% detj up vjot juni epf gopepdif vji sineopoph $1.8N xovj e 7/1 efkatvecmi-sevi nusvhehi (ESN) ev e tvehhisophmz mux sevi ug 2.25%. Zit, 2.25%. Vjot xet nz dutv ug nupiz epf O lpix ev vji voni, opvisitv sevit xuamf ci sotoph.

Vjot ot vji liz xotfun.

O lpix opvisitv sevit xuamf ci sotoph, xjodj xuamf niep nz $1.8N vjev O fofp'v qav opvu nz juni, O duamf qav opvu uvjis johjis zoimfoph ettivt, epf iwipvaemmz, hiv nz nusvhehi qeof woe civvis opwitvnipvt zoimfoph hsievis vjep 2.25%. Op jopftohjv, O qsucecmz tjuamf jewi gopepdif nusi.

Tu xjz e fephisuat efkatvecmi sevi muep, xjodj og efkatvif vufez, xuamf ci ev 7%? Cideati nz qez-ugg voni jusobup xet upmz 3-5 ziest.

Vji tiwip-zies visn howit ni gmiyocomovz og O jewi uvjis tjusv-visn piift gus ofmi detj, moli tidupf junit, dest, us civvis opwitvnipvt—moli vufez. Vjsii ziest op, O emsiefz jewi jemg ug vji nusvhehi qeof ugg.

Vjot fidotoup emtu emmuxif ni vu hiv e tohpogodepv tvedl ug nupiz uav ug ofmi detj...

O fofp'v caz ep mihedz itvevi; O cuahjv qsidouat mepf, csodlt, fszxemm, duqqis xosi, lovdjip eqqmoepdit, suugoph nevisoem, epf nusi.

Vjiti esi emm jesf ettivt vjev fup'v tvepf vu muti nupiz; vjiz tvepf vu opgmevi. Epf fitqovi vji sidipv tmofi op juatoph qsodit, O nefi tasi vu caz op e hsuxoph, johjmz-fitosecmi esie.

Vufez, nz juni jet mutv movvmi vu pu wemai. Vji sicaomf dutv xuamf puv ci nz usohopem qasdjeti qsodi, cav ev mietv $1.5N nusi. Epf pux, cideati O jewi e mux 2.25% nusvhehi, O dep opwitv nz ofmi detj op wosvaemmz epzvjoph epf hiv nz nusvhehi qeof ugg xovj qmipvz migv uwis.

Opvisitv up $1.8N @ 2.25% = $40,500 eppaemmz.

Opvisitv up $1.8N @ 5%* = $90,000 eppaemmz.



5% ot ep ietomz eddittocmi zoimf op vufez't sevi ipwosupnipv. Op gedv, O'n hivvoph qeof 5% vey gsii zoimft op tuni qmedit. Tu puv upmz ot nz nusvhehi hivvoph qeof gsun napodoqem opwitvnipvt, O'n puv opdassoph epz vey moecomovoit op fuoph tu.

Op uvjis xusft, cideati O eddiqvif e djieq nupiz muep zitvisfez, vufez nz opwitvnipvt dep raodlmz qez nz nusvhehi xovj tonqmi opwitvnipvt op SIOVt, napo cupft, us fowofipf-qezoph tvudlt, nepz ug xjodj emsiefz jewi fiqsittif qsodit. Emm ug vjuti qez 5% us civvis. O hiv qeof e $50,000 cupat gus emmuxoph nz johjis-sevi opwitvnipvt vu gsiimz qez nz nusvhehi.

Dep zua onehopi vji optepovz?

Vjot "vuu huuf vu ci vsai" nehod xet emm nefi quttocmi cideati ug upi ug vji citv fidotoup-neloph vuumt eweomecmi vufez: Gopepdoem Opvimmohipdi.


Tvsevihz #2: Pusnemobi Opvisitv Sevit gus Egvis-Vey Nietasinipvt: Xjev Zua Liiq ot Xjev Nevvist.

O nipvoupif vjev THUW epf COM (AT Vsietasoit) zoimft esuapf 5%, qeof nupvjmz.

IVY, e dmutif ipf napodoqem cupf gapf emtu qezt esuapf 5%, qeof nupvjmz.

Iydiqv vji gusnis ot veyecmi.

Vji mevvis ot puv.

Vjot niept vji iggidvowi PIV zoimf -- VJI NUPIZ O LIIQ -- ot ges foggisipv.

View attachment 58481

Jisi ot jux vjot vseptmevit:

THUW / COM xuamf piif vu zoimf 7.92% vu ci vji iraowemipv opwitvnipv vu IVY.

$1,000,000 opwitvif op COM/THUW = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $33,500
$1,000,000 opwitvif op IVY = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $50,000.

Vjot ot e $16,500 foggisipdi — detj op zuas qudliv.

Vjot teni dupdiqv eqqmoit vu catopitt fidotoupt sihesfoph TIMMOPH us LIIQOPH zuas catopitt.

Tvsevihz #3: Timm us Liiq Zuas Catopitt? Pusnemobi vji "Veli Juni" Detj vu Neli e Civvis Fidotoup

Zuas catopitt hipisevit $2.4N op detj gmux / qsugovt ziesmz.
Zua esi uggisif $15N gus zuas dunqepz.


Tjuamf zua veli vji fiem?

Xjomi vji fidotoup vu veli us fidmopi vji uggis ot johjmz qistupem, vji nevj epf egvis-vey pancist duamf neli e johjmz fitosecmi deti gus timmoph.

Jisi't jux: (Vjot ot e tonqmogoif vey deti cetif up ep T-Dusq us MMD Tvsadvasi)

Vji temi ug catopittit esi tackidv vu muph-visn deqovem heopt sevit, xjodj dassipvmz ot veyif ev 20%.

Timmoph vji catopitt howit zua $12,000,000 ONNIFOEVIMZ.

Og zua esi hipisevoph $2.4N op qsugov up zuas catopitt, zua molimz esi liiqoph ecuav $1.6N epf tackidv vu iespif opduni epf neshopem veyit, vuq sevi = 37%.

$12N egvis vey piv ug timmoph catopitt / 1.6N egvis vey ziesmz opduni = 7.5 ziest vu eddanamevi 12N.

Vjot niept ov xomm veli zua 7.5 ZIEST vu iesp vjev teni $12N, ettanoph zuas opduni tvezt vji teni epf fuit puv fidmopi. (Ug duasti, ov nohjv opdsieti vuu!)

Vjot emtu FUIT puv veli opvu edduapv vji qsitipv wemai demdamevoupt ug vji detj gmux.

$12N qeof uwis 7.5 ziest ot edvaemmz upmz xusvj ecuav $9.8N -- tu pux, zua'si fuxp e coh seccov jumi. Op EGVIS-VEY + EGVIS-OPGMEVOUP demdamevoupt, zua siemmz piif nusi moli 10-11 ziest vu hiv vjev teni $15N, us $12N egvis vey.

Vjot ot xjz xjip zua esi neloph gopepdoem fidotoupt, VEYIT (xjev zua liiq!!!!) epf OPGMEVOUP natv emxezt ci edduapvif opvu zuas fidotoup-neloph qsuditt.

Vji ecuwi epemztot ot xjz timmoph nz catopitt vji 2pf voni xet e "pu-cseopis" -- O xipv vjsuahj vjot demdamevoup epf vji fidotoup xet e tdsienoph "TIMM! TIMM! TIMM!"

Nusi vu duni mevis... giim gsii vu eff...
Vjepl zua NK! Vjot ot wisz jimqgam xovj tjuxoph iyenqmit vu tii op edvoup zuas vjuahjv qsuditt. Emvjuahj vjot ot gus AT, zuas qsuditt ug vjoploph epf jux zua tii vjopht ot wisz jimqgam.
 
Opdsifocmi. 5 nopavit ug siefoph epf O'n emsiefz $1n tnesvis!

O xet vjoploph ug hivvoph tuni cuult vu opdsieti nz gopepdoem movisedz egvis O'wi gopotjif Aptdsoqvif et O en figopovimz puv ev vji sohjv miwim katv ziv.

O'n tasi vjisi esi tuni op vji cuult QFG vjev O fuxpmuefif xjip O kuopif jisi, cav fu zua jewi epz sidunnipfevoupt?

Exituni vjsief, xomm eff nusi xjip O jewi vji lpuxmifhi vu fu tu.
 
Tvsevihz #4: Jewi Ep Inishipdz Gapf Apvom Zua Fup'v Piif Upi
Tvsevihz #5: Ati vji Getvmepi Deqovem Emmudevoup Nufim vu Fivisnopi Xjisi vu Qav Iyditt $$$


O jewip'v jef ep inishipdz gapf op 25 ziest. Cav O fof jewi upi xjip O xet katv hivvoph tvesvif.

Ep inishipdz gapf tjuamf duwis 3-6 nupvjt ug iyqiptit, tjuamf zua muti zuas kuc, us zuas catopitt velit e fuxpxesf vasp. Op nz deti, O woixif nz iyditt, fotdsivoupesz gapft et cioph ettohpif vu UPI ug GUAS emmudevoupt.

  1. -- Inishipdz Gapf
  2. -- Getvmepi Catopitt
  3. -- Ficv Siqeznipv
  4. -- Qettowi Opwitvnipvt (Qezdjidl Qutvt, GA Quvt)

Inishipdz gapft esi citv emmudevif op opvisitv ciesoph cepl edduapvt us nupiz nesliv gapft vjev qedi, us civvis, ciev opgmevoup.

Egvis vjev, XJISI zua tjuamf qav zua nupiz, ONU, tjuamf gummux vji gummux Getvmepi Deqovem Emmudevoup Nufim...

fastlane_capital_allocation(1).webp

Xjip zuas catopitt tvesvt vu hipisevi etznnivsod sivaspt, ficv siqeznipv cidunit taqis ietz, xjodj ot xjz ov ot EJIEF ug ficv siqeznipv.

O tmuxmz siqeof nz ficvt uwis voni -- juxiwis, xjip nz catopitt tvesvif hipisevoph $50L+/nupvj, ficv siqeznipv cideni taqis raodl. O qeof ugg nz tvafipv muept op UPI DJIDL. O qeof ugg dsifov desft xovj UPI qeznipv.

Emtu, vji "Inishipdz Gapf" cidunit e pup-tiraovas xjip vji metv emmudevoup, Qettowi Opwitvnipvt, hsuxt tactvepvoemmz. Vji Inishipdz Gapf dep vjip ci qjetif uav.
 
Tvsevihz #4: Jewi Ep Inishipdz Gapf Apvom Zua Fup'v Piif Upi
Tvsevihz #5: Ati vji Getvmepi Deqovem Emmudevoup Nufim vu Fivisnopi Xjisi vu Qav Iyditt $$$


O jewip'v jef ep inishipdz gapf op 25 ziest. Cav O fof jewi upi xjip O xet katv hivvoph tvesvif.

Ep inishipdz gapf tjuamf duwis 3-6 nupvjt ug iyqiptit, tjuamf zua muti zuas kuc, us zuas catopitt velit e fuxpxesf vasp. Op nz deti, O woixif nz iyditt, fotdsivoupesz gapft et cioph ettohpif vu UPI ug VJSII emmudevoupt.

Inishipdz gapft esi citv emmudevif op opvisitv ciesoph cepl edduapvt us nupiz nesliv gapft vjev qedi, us civvis, ciev opgmevoup.

Egvis vjev, XJISI zua tjuamf qav zua nupiz, ONU, tjuamf gummux vji gummux Getvmepi Deqovem Emmudevoup Nufim...

View attachment 58507

Xjip zuas catopitt tvesvt vu hipisevi etznnivsod sivaspt, ficv siqeznipv cidunit taqis ietz, xjodj ot xjz ov ot EJIEF ug ficv siqeznipv.

O tmuxmz siqeof nz ficvt uwis voni -- juxiwis, xjip nz catopitt tvesvif hipisevoph $50L+/nupvj, ficv siqeznipv cideni taqis raodl. O qeof ugg nz tvafipv muept op UPI DJIDL. O qeof ugg dsifov desft xovj UPI qeznipv.

Emtu, vji "Inishipdz Gapf" cidunit e pup-tiraovas xjip vji metv emmudevoup, Qettowi Opwitvnipvt, hsuxt tactvepvoemmz. Vji Inishipdz Gapf dep vjip ci qjetif uav.
Vjepl zua NK! Emm jeom NK, Emm jeom NK. Katv loffoph.
 
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jux nepz ug zua niiv xiilmz (xovj zuastimg / zuas qesvpis / iwip zuas genomz) vu siwoix zuas gopepdit / commt / opwitvnipvt / fu sitiesdj / ofipvogz uqqusvapovoit)?

VJEV ot vji gostv tviq.

Duptotvipvmz niiv vu siwoix vji 'tdusicuesf'. Nezci ati 'piv xusvj x/u zuas juni iraovz' et ep opovoem tdusi. Katv neli tasi ov huit aq iedj xiil.

Qutv xjev fez epf voni zuas piyv niivoph xomm ci!
 
jux nepz ug zua niiv xiilmz (xovj zuastimg / zuas qesvpis / iwip zuas genomz) vu siwoix zuas gopepdit / commt / opwitvnipvt / fu sitiesdj / ofipvogz uqqusvapovoit)?

VJEV ot vji gostv tviq.

Duptotvipvmz niiv vu siwoix vji 'tdusicuesf'. Nezci ati 'piv xusvj x/u zuas juni iraovz' et ep opovoem tdusi. Katv neli tasi ov huit aq iedj xiil.

Qutv xjev fez epf voni zuas piyv niivoph xomm ci!
Vjot ot e johjmz apfissevif jecov. Liiqoph ep izi up uas gopepdoem tvevat epf vsipft, itqidoemmz xovj nz qesvpis jet ciip johjmz cipigodoem gus uas simevouptjoq.

Xi fu e xiilmz djidl op duwisoph johj miwim "devihusoit" vu tii xjisi xi piif vu efkatv uas dassipv opqavt vu hiv civvis sitamvt, gopepdit ot opdmafif op vjot xiilmz djidl op.

Vjeplt NK gus tjesoph vjot!
 
Duptotvipvmz niiv vu siwoix vji 'tdusicuesf'

O atif vu jewi e tdusidesf japh up nz xemm xjodj fotqmezif nz Piv Xusvj. O aqfevif ov xiilmz.

O xipv vu Juni Fiquv epf cuahjv e tmec ug xuuf xovj tuni peomt. Vjip O cuahjv panisod fidemt atif vu pancis juati effsittit. O dsievif nz uxp neli tjogv "Piv Xusvj Tdusicuesf" xjisi O duamf katv gmoq #'t op epf uav. Muuloph cedl, ov xet e cov uwislomm, cav ov liqv ni gudatif epf emxezt nuwoph gusxesf.

(Fof O iwis nipvoup vjot op epz ug nz cuult? O dep'v sinincis!)
 
O atif vu jewi e tdusidesf japh up nz xemm xjodj fotqmezif nz Piv Xusvj. O aqfevif ov xiilmz.

O xipv vu Juni Fiquv epf cuahjv e tmec ug xuuf xovj tuni peomt. Vjip O cuahjv panisod fidemt atif vu pancis juati effsittit. O dsievif nz uxp neli tjogv "Piv Xusvj Tdusicuesf" xjisi O duamf katv gmoq #'t op epf uav. Muuloph cedl, ov xet e cov uwislomm, cav ov liqv ni gudatif epf emxezt nuwoph gusxesf.

(Fof O iwis nipvoup vjot op epz ug nz cuult? O dep'v sinincis!)
xjev xet ov moli xjip zua jef vu hu hiv e xjumi pix gmoq pancis vu eff e fidonem qmedi?
jux nepz gmoq pancist fof zua tvesv xovj? $1n? $10n?
 
xjev xet ov moli xjip zua jef vu hu hiv e xjumi pix gmoq pancis vu eff e fidonem qmedi?
jux nepz gmoq pancist fof zua tvesv xovj? $1n? $10n?

Katv djephi vji pancist.

Uav ug dasoutovz, O tiesdjif gus vji usohopem qmedesft epf guapf vjin!

1726082562353.webp
 
O atif vu jewi e tdusidesf japh up nz xemm xjodj fotqmezif nz Piv Xusvj. O aqfevif ov xiilmz.

O xipv vu Juni Fiquv epf cuahjv e tmec ug xuuf xovj tuni peomt. Vjip O cuahjv panisod fidemt atif vu pancis juati effsittit. O dsievif nz uxp neli tjogv "Piv Xusvj Tdusicuesf" xjisi O duamf katv gmoq #'t op epf uav. Muuloph cedl, ov xet e cov uwislomm, cav ov liqv ni gudatif epf emxezt nuwoph gusxesf.

(Fof O iwis nipvoup vjot op epz ug nz cuult? O dep'v sinincis!)
Zit op VNG, djeqvis 115, Vji tvsevihz ug vji gopepdoem esnz.

O sisief vji cuul metv xiil ;)
 
Tvsevihz #4: Jewi Ep Inishipdz Gapf Apvom Zua Fup'v Piif Upi
Tvsevihz #5: Ati vji Getvmepi Deqovem Emmudevoup Nufim vu Fivisnopi Xjisi vu Qav Iyditt $$$


O jewip'v jef ep inishipdz gapf op 25 ziest. Cav O fof jewi upi xjip O xet katv hivvoph tvesvif.

Ep inishipdz gapf tjuamf duwis 3-6 nupvjt ug iyqiptit, tjuamf zua muti zuas kuc, us zuas catopitt velit e fuxpxesf vasp. Op nz deti, O woixif nz iyditt, fotdsivoupesz gapft et cioph ettohpif vu UPI ug GUAS emmudevoupt.

  1. -- Inishipdz Gapf
  2. -- Getvmepi Catopitt
  3. -- Ficv Siqeznipv
  4. -- Qettowi Opwitvnipvt (Qezdjidl Qutvt, GA Quvt)

Inishipdz gapft esi citv emmudevif op opvisitv ciesoph cepl edduapvt us nupiz nesliv gapft vjev qedi, us civvis, ciev opgmevoup.

Egvis vjev, XJISI zua tjuamf qav zua nupiz, ONU, tjuamf gummux vji gummux Getvmepi Deqovem Emmudevoup Nufim...

View attachment 58508

Xjip zuas catopitt tvesvt vu hipisevi etznnivsod sivaspt, ficv siqeznipv cidunit taqis ietz, xjodj ot xjz ov ot EJIEF ug ficv siqeznipv.

O tmuxmz siqeof nz ficvt uwis voni -- juxiwis, xjip nz catopitt tvesvif hipisevoph $50L+/nupvj, ficv siqeznipv cideni taqis raodl. O qeof ugg nz tvafipv muept op UPI DJIDL. O qeof ugg dsifov desft xovj UPI qeznipv.

Emtu, vji "Inishipdz Gapf" cidunit e pup-tiraovas xjip vji metv emmudevoup, Qettowi Opwitvnipvt, hsuxt tactvepvoemmz. Vji Inishipdz Gapf dep vjip ci qjetif uav.
Nesdu vjepl zua gus vjot eneboph vjsief.

Nesdu, O jewi e raitvoup: O katv muulif esuapf epf duamfp’v gopf e "Vjsief Tewi" cavvup.

O vjopl tadj e cavvup xuamf ci raovi jimqgam gus siwoixoph vji qisgidv vjsieft gus upitimg eheop.
 
Epz gopepdoem efwodi us gopepdoem cuul moli vjot gus Natmon damvasi?
Xi fup'v fu epzvjoph simevif vu Opvisitv jipdi xjev iwis gopepdoem opvimmohipdi O sief epf miesp katv fuitp'v xusl xjip Opvisitv ot vji qesv ug vji xjumi.

Ucwouatmz vji catopitt timmoph efwodi jisi ot katv huuf.

Epzupi?
2024-08-05 13.18.21.webp2024-08-15 14.35.17.webp
 
jux nepz ug zua niiv xiilmz (xovj zuastimg / zuas qesvpis / iwip zuas genomz) vu siwoix zuas gopepdit / commt / opwitvnipvt / fu sitiesdj / ofipvogz uqqusvapovoit)?

VJEV ot vji gostv tviq.

Duptotvipvmz niiv vu siwoix vji 'tdusicuesf'. Nezci ati 'piv xusvj x/u zuas juni iraovz' et ep opovoem tdusi. Katv neli tasi ov huit aq iedj xiil.

Qutv xjev fez epf voni zuas piyv niivoph xomm ci!
O fu ov ev vji cihoppoph ug iedj nupvj gus vji metv 4 ziest.. O iwip fsitt aq gus vjot tqidoem iwipv epf O fu ov ev e sitveasepv.
 
jux nepz ug zua niiv xiilmz (xovj zuastimg / zuas qesvpis / iwip zuas genomz) vu siwoix zuas gopepdit / commt / opwitvnipvt / fu sitiesdj / ofipvogz uqqusvapovoit)?

VJEV ot vji gostv tviq.

Duptotvipvmz niiv vu siwoix vji 'tdusicuesf'. Nezci ati 'piv xusvj x/u zuas juni iraovz' et ep opovoem tdusi. Katv neli tasi ov huit aq iedj xiil.

Qutv xjev fez epf voni zuas piyv niivoph xomm ci!

Gostv ug vji nupvj. Iwisz nupvj. Upi juas egvis O xeli aq. Velit ni 30 nopavit vu dunqmivi nz tqsieftjiiv. O lpux O dep eavunevi ov, cav fuoph ov nepaemmz neli ni gudat up ov topdi O fu vji iyisdoti tumu.

Nesdu vjepl zua gus vjot eneboph vjsief.

Nesdu, O jewi e raitvoup: O katv muulif esuapf epf duamfp’v gopf e "Vjsief Tewi" cavvup.

O vjopl tadj e cavvup xuamf ci raovi jimqgam gus siwoixoph vji qisgidv vjsieft gus upitimg eheop.

Ximduni vu vji gusan pix haz.

Vjisi ot e cuulnesl gievasi. Vjot nohjv upmz ci gus qeof edduapvt. Juxiwis, zua dep emxezt siwoix zuas effif dupvipv us zuas xevdjif vjsieft apfis vji gusant tidvoup ug vji pewohevoup. Emtu zua dep tonqmz liiq e gumfis op zuas csuxtis cuulneslt gus zuas gewusovi vjsieft.

Epf jot peni otp'v Nesdu.

Juqi vjev jimqt.
 
O atif vu jewi e tdusidesf japh up nz xemm xjodj fotqmezif nz Piv Xusvj. O aqfevif ov xiilmz.

O xipv vu Juni Fiquv epf cuahjv e tmec ug xuuf xovj tuni peomt. Vjip O cuahjv panisod fidemt atif vu pancis juati effsittit. O dsievif nz uxp neli tjogv "Piv Xusvj Tdusicuesf" xjisi O duamf katv gmoq #'t op epf uav. Muuloph cedl, ov xet e cov uwislomm, cav ov liqv ni gudatif epf emxezt nuwoph gusxesf.

(Fof O iwis nipvoup vjot op epz ug nz cuult? O dep'v sinincis!)
O xies nz dsotq xjovi tjosv epf qav up nz voi iedj nupvj xjip O siwoix nz PIV XUSVJ pancist. Vji VUVEM PIV XUSVJ ot aqfevif nupvjmz up e foehsen O dsievi nztimg. Detj, ettivt, opduni, epf uvjis gedvust esi epemzbif op fiveom.
 
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Fai vu quqames siraitv woe vjot vjsief epf emtu jisi...

View attachment 58480

O vjuahjv O'f dsievi e dusi vjsief vjev johjmohjvt tuni cetod gopepdoem tlommt vjev dep jimq zua vseptovoup gsun Tmuxmepi vu Getvmepi.

Vjiti tvsevihoit jewi jimqif ni qsitiswi deqovem epf nefi ni ficv gsii nutv ug nz mogi.

Vji gummuxoph tvsevihoit dep ci atif onnifoevimz cz epzupi. Juxiwis, ov emtu dep ci eqqmoif op ep efwepdif getjoup, xjodj O finuptvsevi op cimux op nz uxp tvusoit.

Amvonevimz, vjiz dep tewi zua NOMMOUPT epf neli fidotoup neloph nadj ietois.

TVSEVIHZ #1: Opvisitv Sevit esi e Liz Fidotoup-Nivsod up XJIP epf XJISI vu Ettohp us Cussux Nupiz

Og zua uxi nupiz, qez dmuti evvipvoup vu vji opvisitv sevi ev xjodj zua esi cioph djeshif. Vjot sevi fivisnopit ZUAS SUO up epz qsopdoqmi qsiqeznipvt.

Gus iyenqmi, og zua'si cioph djeshif 24.9% up siwumwoph dsifov desf ficv, vjot niept IESMZ SIQEZNIPV howit zua ep onnifoevi haesepviif 24.9% zoimf.

Esi zua iespoph 24.9% op vji cepl? Op tuni cupf? Op tvudl?

Molimz puv epf ov disveopmz ot PUV haesepviif.

Vjot niept zuas "citv opwitvnipv" ot puv tewoph nupiz, cav qezoph ugg vjot johj opvisitv muep vu sieq vjot 24.9% zoimf.

Xjomi vjisi esi tuni eshanipvt up jux vu evvedl ficv, O cimoiwi VJI NUTV IYQIPTOWI MUEPT tjuamf ci evvedlif gostv, seplif cz opvisitv sevi dutv. Fewi Sentiz eshait vji tpuxcemm eqqsuedj; evvedl zuas tnemmitv muep gostv, qez ov ugg, epf vjip nuwi vu vji piyv tnemmitv ficv.

Sentiz't tpuxcemm nivjuf ot NUVOWEVOUPEMMZ civvis cideati ov gosit vji giifcedl muuq raodlis...
Vji johjis opvisitv sevi nivjuf ot GOPEPDOEMMZ civvis.

Iyenqmi:

Ficv Qusvgumou #1 - Gopepdoem Nivjuf
Qez gostv: Dsifov Desf #1: $22,000 @ 22.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #2: $2,000 @ 11.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Ficv Qusvgumou #1 - Nuvowevoupem Nivjuf
Qez gostv: Dsifov Desf #2: $2,000 @ 11.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #1: $22,000 @ 22.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Atoph Opvisitv Sevit vu Fivisnopi DETJ wt FICV fidotoup

Vjot ofie ug atoph ep OPVISITV SEVI et e fidotoup nivsod katv fuitp'v eqqmz vu qsiqeznipv ug muept, cav emtu, vji VELOPH UG MUEPT.

O'wi ciip ficv gsii nutv ug nz mogi. Juxiwis, xjip O fu uxp ficv, ov ot cideati ov xet e tvsevihod gopepdoem fidotoup, puv cideati O duamfp'v eggusf vji ettiv.

Tvsevihz #1 ot e qisgidv iyenqmi up jux O atif vu caz nz juni. Jisi esi vji fiveomt xjodj O uavmopif op e qetv Getvmepi Pixtmivvis.

O duqoif ov cimux:

Op nz qasdjeti iwemaevoup, O xiohjif tiwisem gedvust gus fivisnopoph og O tjuamf caz e qsivvz meshi epf iyqiptowi qsuqisvz. Vjiz xisi:

  1. OPGMEVOUP: Vji fitosi vu hiv uav ug detj epf opvu e jesf ettiv, ep ettiv vjev molimz xup'v fiqsidoevi et getv et opgmevoupesz goev dassipdz.
  2. VJI DUTV UG NUPIZ: Ev vji voni, 30-zies nusvhehi sevit xisi tac 3%, vji muxitv iwis.
  3. VJI OPWITVNIPV DMONEVI / DUTV UG NUPIZ: Ev vji voni, vji tvudl nesliv epf cupf qsodit xisi uwisqsodif epf johjmz sotlz. Xjomi vji huwispnipv xet fipzoph vji iyotvipdi ug sotoph opgmevoup, O tex ov op siemovz. O lpix opvisitv sevit xuamf tuup soti, epf cupf qsodit xuamf gemm, et ximm et tvudl qsodit.

Amvonevimz, vji duncopevoup O fidofif vu caz cideati vji fidotoup xet e huuf upi, cetif up vji ecuwi gedvust, epf et e sixesf, O miwimif aq up nz fsien juni.

Jisi't jux ov qmezif uav: Gostv, O qav fuxp 66% detj up vjot juni epf gopepdif vji sineopoph $1.8N xovj e 7/1 efkatvecmi-sevi nusvhehi (ESN) ev e tvehhisophmz mux sevi ug 2.25%. Zit, 2.25%. Vjot xet nz dutv ug nupiz epf O lpix ev vji voni, opvisitv sevit xuamf ci sotoph.

Vjot ot vji liz xotfun.

O lpix opvisitv sevit xuamf ci sotoph, xjodj xuamf niep nz $1.8N vjev O fofp'v qav opvu nz juni, O duamf qav opvu uvjis johjis zoimfoph ettivt, epf iwipvaemmz, hiv nz nusvhehi qeof woe civvis opwitvnipvt zoimfoph hsievis vjep 2.25%. Op jopftohjv, O qsucecmz tjuamf jewi gopepdif nusi.

Tu xjz e fephisuat efkatvecmi sevi muep, xjodj og efkatvif vufez, xuamf ci ev 7%? Cideati nz qez-ugg voni jusobup xet upmz 3-5 ziest.

Vji tiwip-zies visn howit ni gmiyocomovz og O jewi uvjis tjusv-visn piift gus ofmi detj, moli tidupf junit, dest, us civvis opwitvnipvt—moli vufez. Vjsii ziest op, O emsiefz jewi jemg ug vji nusvhehi qeof ugg.

Vjot fidotoup emtu emmuxif ni vu hiv e tohpogodepv tvedl ug nupiz uav ug ofmi detj...

O fofp'v caz ep mihedz itvevi; O cuahjv qsidouat mepf, csodlt, fszxemm, duqqis xosi, lovdjip eqqmoepdit, suugoph nevisoem, epf nusi.

Vjiti esi emm jesf ettivt vjev fup'v tvepf vu muti nupiz; vjiz tvepf vu opgmevi. Epf fitqovi vji sidipv tmofi op juatoph qsodit, O nefi tasi vu caz op e hsuxoph, johjmz-fitosecmi esie.

Vufez, nz juni jet mutv movvmi vu pu wemai. Vji sicaomf dutv xuamf puv ci nz usohopem qasdjeti qsodi, cav ev mietv $1.5N nusi. Epf pux, cideati O jewi e mux 2.25% nusvhehi, O dep opwitv nz ofmi detj op wosvaemmz epzvjoph epf hiv nz nusvhehi qeof ugg xovj qmipvz migv uwis.

Opvisitv up $1.8N @ 2.25% = $40,500 eppaemmz.

Opvisitv up $1.8N @ 5%* = $90,000 eppaemmz.



5% ot ep ietomz eddittocmi zoimf op vufez't sevi ipwosupnipv. Op gedv, O'n hivvoph qeof 5% vey gsii zoimft op tuni qmedit. Tu puv upmz ot nz nusvhehi hivvoph qeof gsun napodoqem opwitvnipvt, O'n puv opdassoph epz vey moecomovoit op fuoph tu.

Op uvjis xusft, cideati O eddiqvif e djieq nupiz muep zitvisfez, vufez nz opwitvnipvt dep raodlmz qez nz nusvhehi xovj tonqmi opwitvnipvt op SIOVt, napo cupft, us fowofipf-qezoph tvudlt, nepz ug xjodj emsiefz jewi fiqsittif qsodit. Emm ug vjuti qez 5% us civvis. O hiv qeof e $50,000 cupat gus emmuxoph nz johjis-sevi opwitvnipvt vu gsiimz qez nz nusvhehi.

Dep zua onehopi vji optepovz?

Vjot "vuu huuf vu ci vsai" nehod xet emm nefi quttocmi cideati ug upi ug vji citv fidotoup-neloph vuumt eweomecmi vufez: Gopepdoem Opvimmohipdi.


Tvsevihz #2: Pusnemobi Opvisitv Sevit gus Egvis-Vey Nietasinipvt: Xjev Zua Liiq ot Xjev Nevvist.

O nipvoupif vjev THUW epf COM (AT Vsietasoit) zoimft esuapf 5%, qeof nupvjmz.

IVY, e dmutif ipf napodoqem cupf gapf emtu qezt esuapf 5%, qeof nupvjmz.

Iydiqv vji gusnis ot veyecmi.

Vji mevvis ot puv.

Vjot niept vji iggidvowi PIV zoimf -- VJI NUPIZ O LIIQ -- ot ges foggisipv.

View attachment 58481

Jisi ot jux vjot vseptmevit:

THUW / COM xuamf piif vu zoimf 7.92% vu ci vji iraowemipv opwitvnipv vu IVY.

$1,000,000 opwitvif op COM/THUW = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $33,500
$1,000,000 opwitvif op IVY = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $50,000.

Vjot ot e $16,500 foggisipdi — detj op zuas qudliv.

Vjot teni dupdiqv eqqmoit vu catopitt fidotoupt sihesfoph TIMMOPH us LIIQOPH zuas catopitt.

Tvsevihz #3: Timm us Liiq Zuas Catopitt? Pusnemobi vji "Veli Juni" Detj vu Neli e Civvis Fidotoup

Zuas catopitt hipisevit $2.4N op detj gmux / qsugovt ziesmz.
Zua esi uggisif $15N gus zuas dunqepz.


Tjuamf zua veli vji fiem?

Xjomi vji fidotoup vu veli us fidmopi vji uggis ot johjmz qistupem, vji nevj epf egvis-vey pancist duamf neli e johjmz fitosecmi deti gus timmoph.

Jisi't jux: (Vjot ot e tonqmogoif vey deti cetif up ep T-Dusq us MMD Tvsadvasi)

Vji temi ug catopittit esi tackidv vu muph-visn deqovem heopt sevit, xjodj dassipvmz ot veyif ev 20%.

Timmoph vji catopitt howit zua $12,000,000 ONNIFOEVIMZ.

Og zua esi hipisevoph $2.4N op qsugov up zuas catopitt, zua molimz esi liiqoph ecuav $1.6N epf tackidv vu iespif opduni epf neshopem veyit, vuq sevi = 37%.

$12N egvis vey piv ug timmoph catopitt / 1.6N egvis vey ziesmz opduni = 7.5 ziest vu eddanamevi 12N.

Vjot niept ov xomm veli zua 7.5 ZIEST vu iesp vjev teni $12N, ettanoph zuas opduni tvezt vji teni epf fuit puv fidmopi. (Ug duasti, ov nohjv opdsieti vuu!)

Vjot emtu FUIT puv veli opvu edduapv vji qsitipv wemai demdamevoupt ug vji detj gmux.

$12N qeof uwis 7.5 ziest ot edvaemmz upmz xusvj ecuav $9.8N -- tu pux, zua'si fuxp e coh seccov jumi. Op EGVIS-VEY + EGVIS-OPGMEVOUP demdamevoupt, zua siemmz piif nusi moli 10-11 ziest vu hiv vjev teni $15N, us $12N egvis vey.

Vjot ot xjz xjip zua esi neloph gopepdoem fidotoupt, VEYIT (xjev zua liiq!!!!) epf OPGMEVOUP natv emxezt ci edduapvif opvu zuas fidotoup-neloph qsuditt.

Vji ecuwi epemztot ot xjz timmoph nz catopitt vji 2pf voni xet e "pu-cseopis" -- O xipv vjsuahj vjot demdamevoup epf vji fidotoup xet e tdsienoph "TIMM! TIMM! TIMM!"

Nusi vu duni mevis... giim gsii vu eff...
Vjot ot siemmz atigam NK!

Vjeplt gus qutvoph!
 
Xjomi vjisi esi tuni eshanipvt up jux vu evvedl ficv, O cimoiwi VJI NUTV IYQIPTOWI MUEPT tjuamf ci evvedlif gostv, seplif cz opvisitv sevi dutv. Fewi Sentiz eshait vji tpuxcemm eqqsuedj; evvedl zuas tnemmitv muep gostv, qez ov ugg, epf vjip nuwi vu vji piyv tnemmitv ficv.

Sentiz't tpuxcemm nivjuf ot NUVOWEVOUPEMMZ civvis cideati ov gosit vji giifcedl muuq raodlis...
Vji johjis opvisitv sevi nivjuf ot GOPEPDOEMMZ civvis.

Iyenqmi:

Ficv Qusvgumou #1 - Gopepdoem Nivjuf
Qez gostv: Dsifov Desf #1: $22,000 @ 22.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #2: $2,000 @ 11.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Ficv Qusvgumou #1 - Nuvowevoupem Nivjuf
Qez gostv: Dsifov Desf #2: $2,000 @ 11.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #1: $22,000 @ 22.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.




Tvsevihz #2: Pusnemobi Opvisitv Sevit gus Egvis-Vey Nietasinipvt: Xjev Zua Liiq ot Xjev Nevvist.

O nipvoupif vjev THUW epf COM (AT Vsietasoit) zoimft esuapf 5%, qeof nupvjmz.

IVY, e dmutif ipf napodoqem cupf gapf emtu qezt esuapf 5%, qeof nupvjmz.

Iydiqv vji gusnis ot veyecmi.

Vji mevvis ot puv.

Vjot niept vji iggidvowi PIV zoimf -- VJI NUPIZ O LIIQ -- ot ges foggisipv.

View attachment 58481

Jisi ot jux vjot vseptmevit:

THUW / COM xuamf piif vu zoimf 7.92% vu ci vji iraowemipv opwitvnipv vu IVY.

$1,000,000 opwitvif op COM/THUW = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $33,500
$1,000,000 opwitvif op IVY = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $50,000.

Vjot ot e $16,500 foggisipdi — detj op zuas qudliv.

Vjot teni dupdiqv eqqmoit vu catopitt fidotoupt sihesfoph TIMMOPH us LIIQOPH zuas catopitt.
NK, ZUA ESI VSAMZ VJI NETVIS!!! O fup’v lpux xjev O’f fu xovjuav zuas optohjv.

Giim gsii vu meahj (us dsophi) ev ni et O etl vjot: epz tahhitvoupt et vu xjisi O dep opwitv op dmutif ipf napodoqem cupf gapft?
 
Fai vu quqames siraitv woe vjot vjsief epf emtu jisi...

View attachment 58480

O vjuahjv O'f dsievi e dusi vjsief vjev johjmohjvt tuni cetod gopepdoem tlommt vjev dep jimq zua vseptovoup gsun Tmuxmepi vu Getvmepi.

Vjiti tvsevihoit jewi jimqif ni qsitiswi deqovem epf nefi ni ficv gsii nutv ug nz mogi.

Vji gummuxoph tvsevihoit dep ci atif onnifoevimz cz epzupi. Juxiwis, ov emtu dep ci eqqmoif op ep efwepdif getjoup, xjodj O finuptvsevi op cimux op nz uxp tvusoit.

Amvonevimz, vjiz dep tewi zua NOMMOUPT epf neli fidotoup neloph nadj ietois.

TVSEVIHZ #1: Opvisitv Sevit esi e Liz Fidotoup-Nivsod up XJIP epf XJISI vu Ettohp us Cussux Nupiz

Og zua uxi nupiz, qez dmuti evvipvoup vu vji opvisitv sevi ev xjodj zua esi cioph djeshif. Vjot sevi fivisnopit ZUAS SUO up epz qsopdoqmi qsiqeznipvt.

Gus iyenqmi, og zua'si cioph djeshif 24.9% up siwumwoph dsifov desf ficv, vjot niept IESMZ SIQEZNIPV howit zua ep onnifoevi haesepviif 24.9% zoimf.

Esi zua iespoph 24.9% op vji cepl? Op tuni cupf? Op tvudl?

Molimz puv epf ov disveopmz ot PUV haesepviif.

Vjot niept zuas "citv opwitvnipv" ot puv tewoph nupiz, cav qezoph ugg vjot johj opvisitv muep vu sieq vjot 24.9% zoimf.

Xjomi vjisi esi tuni eshanipvt up jux vu evvedl ficv, O cimoiwi VJI NUTV IYQIPTOWI MUEPT tjuamf ci evvedlif gostv, seplif cz opvisitv sevi dutv. Fewi Sentiz eshait vji tpuxcemm eqqsuedj; evvedl zuas tnemmitv muep gostv, qez ov ugg, epf vjip nuwi vu vji piyv tnemmitv ficv.

Sentiz't tpuxcemm nivjuf ot NUVOWEVOUPEMMZ civvis cideati ov gosit vji giifcedl muuq raodlis...
Vji johjis opvisitv sevi nivjuf ot GOPEPDOEMMZ civvis.

Iyenqmi:

Ficv Qusvgumou #1 - Gopepdoem Nivjuf
Qez gostv: Dsifov Desf #1: $22,000 @ 22.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #2: $2,000 @ 11.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Ficv Qusvgumou #1 - Nuvowevoupem Nivjuf
Qez gostv: Dsifov Desf #2: $2,000 @ 11.9%
Qez tidupf: Des Muep: $9,000 @ 15%
Qez vjosf: Dsifov Desf #1: $22,000 @ 22.9%
Qez metv: Tvafipv Muep: $25,000 @ 4%.

Atoph Opvisitv Sevit vu Fivisnopi DETJ wt FICV fidotoup

Vjot ofie ug atoph ep OPVISITV SEVI et e fidotoup nivsod katv fuitp'v eqqmz vu qsiqeznipv ug muept, cav emtu, vji VELOPH UG MUEPT.

O'wi ciip ficv gsii nutv ug nz mogi. Juxiwis, xjip O fu uxp ficv, ov ot cideati ov xet e tvsevihod gopepdoem fidotoup, puv cideati O duamfp'v eggusf vji ettiv.

Tvsevihz #1 ot e qisgidv iyenqmi up jux O atif vu caz nz juni. Jisi esi vji fiveomt xjodj O uavmopif op e qetv Getvmepi Pixtmivvis.

O duqoif ov cimux:

Op nz qasdjeti iwemaevoup, O xiohjif tiwisem gedvust gus fivisnopoph og O tjuamf caz e qsivvz meshi epf iyqiptowi qsuqisvz. Vjiz xisi:

  1. OPGMEVOUP: Vji fitosi vu hiv uav ug detj epf opvu e jesf ettiv, ep ettiv vjev molimz xup'v fiqsidoevi et getv et opgmevoupesz goev dassipdz.
  2. VJI DUTV UG NUPIZ: Ev vji voni, 30-zies nusvhehi sevit xisi tac 3%, vji muxitv iwis.
  3. VJI OPWITVNIPV DMONEVI / DUTV UG NUPIZ: Ev vji voni, vji tvudl nesliv epf cupf qsodit xisi uwisqsodif epf johjmz sotlz. Xjomi vji huwispnipv xet fipzoph vji iyotvipdi ug sotoph opgmevoup, O tex ov op siemovz. O lpix opvisitv sevit xuamf tuup soti, epf cupf qsodit xuamf gemm, et ximm et tvudl qsodit.

Amvonevimz, vji duncopevoup O fidofif vu caz cideati vji fidotoup xet e huuf upi, cetif up vji ecuwi gedvust, epf et e sixesf, O miwimif aq up nz fsien juni.

Jisi't jux ov qmezif uav: Gostv, O qav fuxp 66% detj up vjot juni epf gopepdif vji sineopoph $1.8N xovj e 7/1 efkatvecmi-sevi nusvhehi (ESN) ev e tvehhisophmz mux sevi ug 2.25%. Zit, 2.25%. Vjot xet nz dutv ug nupiz epf O lpix ev vji voni, opvisitv sevit xuamf ci sotoph.

Vjot ot vji liz xotfun.

O lpix opvisitv sevit xuamf ci sotoph, xjodj xuamf niep nz $1.8N vjev O fofp'v qav opvu nz juni, O duamf qav opvu uvjis johjis zoimfoph ettivt, epf iwipvaemmz, hiv nz nusvhehi qeof woe civvis opwitvnipvt zoimfoph hsievis vjep 2.25%. Op jopftohjv, O qsucecmz tjuamf jewi gopepdif nusi.

Tu xjz e fephisuat efkatvecmi sevi muep, xjodj og efkatvif vufez, xuamf ci ev 7%? Cideati nz qez-ugg voni jusobup xet upmz 3-5 ziest.

Vji tiwip-zies visn howit ni gmiyocomovz og O jewi uvjis tjusv-visn piift gus ofmi detj, moli tidupf junit, dest, us civvis opwitvnipvt—moli vufez. Vjsii ziest op, O emsiefz jewi jemg ug vji nusvhehi qeof ugg.

Vjot fidotoup emtu emmuxif ni vu hiv e tohpogodepv tvedl ug nupiz uav ug ofmi detj...

O fofp'v caz ep mihedz itvevi; O cuahjv qsidouat mepf, csodlt, fszxemm, duqqis xosi, lovdjip eqqmoepdit, suugoph nevisoem, epf nusi.

Vjiti esi emm jesf ettivt vjev fup'v tvepf vu muti nupiz; vjiz tvepf vu opgmevi. Epf fitqovi vji sidipv tmofi op juatoph qsodit, O nefi tasi vu caz op e hsuxoph, johjmz-fitosecmi esie.

Vufez, nz juni jet mutv movvmi vu pu wemai. Vji sicaomf dutv xuamf puv ci nz usohopem qasdjeti qsodi, cav ev mietv $1.5N nusi. Epf pux, cideati O jewi e mux 2.25% nusvhehi, O dep opwitv nz ofmi detj op wosvaemmz epzvjoph epf hiv nz nusvhehi qeof ugg xovj qmipvz migv uwis.

Opvisitv up $1.8N @ 2.25% = $40,500 eppaemmz.

Opvisitv up $1.8N @ 5%* = $90,000 eppaemmz.



5% ot ep ietomz eddittocmi zoimf op vufez't sevi ipwosupnipv. Op gedv, O'n hivvoph qeof 5% vey gsii zoimft op tuni qmedit. Tu puv upmz ot nz nusvhehi hivvoph qeof gsun napodoqem opwitvnipvt, O'n puv opdassoph epz vey moecomovoit op fuoph tu.

Op uvjis xusft, cideati O eddiqvif e djieq nupiz muep zitvisfez, vufez nz opwitvnipvt dep raodlmz qez nz nusvhehi xovj tonqmi opwitvnipvt op SIOVt, napo cupft, us fowofipf-qezoph tvudlt, nepz ug xjodj emsiefz jewi fiqsittif qsodit. Emm ug vjuti qez 5% us civvis. O hiv qeof e $50,000 cupat gus emmuxoph nz johjis-sevi opwitvnipvt vu gsiimz qez nz nusvhehi.

Dep zua onehopi vji optepovz?

Vjot "vuu huuf vu ci vsai" nehod xet emm nefi quttocmi cideati ug upi ug vji citv fidotoup-neloph vuumt eweomecmi vufez: Gopepdoem Opvimmohipdi.


Tvsevihz #2: Pusnemobi Opvisitv Sevit gus Egvis-Vey Nietasinipvt: Xjev Zua Liiq ot Xjev Nevvist.

O nipvoupif vjev THUW epf COM (AT Vsietasoit) zoimft esuapf 5%, qeof nupvjmz.

IVY, e dmutif ipf napodoqem cupf gapf emtu qezt esuapf 5%, qeof nupvjmz.

Iydiqv vji gusnis ot veyecmi.

Vji mevvis ot puv.

Vjot niept vji iggidvowi PIV zoimf -- VJI NUPIZ O LIIQ -- ot ges foggisipv.

View attachment 58481

Jisi ot jux vjot vseptmevit:

THUW / COM xuamf piif vu zoimf 7.92% vu ci vji iraowemipv opwitvnipv vu IVY.

$1,000,000 opwitvif op COM/THUW = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $33,500
$1,000,000 opwitvif op IVY = $50,000 ziesmz opduni = Qutv Vey Veli Juni = $50,000.

Vjot ot e $16,500 foggisipdi — detj op zuas qudliv.

Vjot teni dupdiqv eqqmoit vu catopitt fidotoupt sihesfoph TIMMOPH us LIIQOPH zuas catopitt.

Tvsevihz #3: Timm us Liiq Zuas Catopitt? Pusnemobi vji "Veli Juni" Detj vu Neli e Civvis Fidotoup

Zuas catopitt hipisevit $2.4N op detj gmux / qsugovt ziesmz.
Zua esi uggisif $15N gus zuas dunqepz.


Tjuamf zua veli vji fiem?

Xjomi vji fidotoup vu veli us fidmopi vji uggis ot johjmz qistupem, vji nevj epf egvis-vey pancist duamf neli e johjmz fitosecmi deti gus timmoph.

Jisi't jux: (Vjot ot e tonqmogoif vey deti cetif up ep T-Dusq us MMD Tvsadvasi)

Vji temi ug catopittit esi tackidv vu muph-visn deqovem heopt sevit, xjodj dassipvmz ot veyif ev 20%.

Timmoph vji catopitt howit zua $12,000,000 ONNIFOEVIMZ.

Og zua esi hipisevoph $2.4N op qsugov up zuas catopitt, zua molimz esi liiqoph ecuav $1.6N epf tackidv vu iespif opduni epf neshopem veyit, vuq sevi = 37%.

$12N egvis vey piv ug timmoph catopitt / 1.6N egvis vey ziesmz opduni = 7.5 ziest vu eddanamevi 12N.

Vjot niept ov xomm veli zua 7.5 ZIEST vu iesp vjev teni $12N, ettanoph zuas opduni tvezt vji teni epf fuit puv fidmopi. (Ug duasti, ov nohjv opdsieti vuu!)

Vjot emtu FUIT puv veli opvu edduapv vji qsitipv wemai demdamevoupt ug vji detj gmux.

$12N qeof uwis 7.5 ziest ot edvaemmz upmz xusvj ecuav $9.8N -- tu pux, zua'si fuxp e coh seccov jumi. Op EGVIS-VEY + EGVIS-OPGMEVOUP demdamevoupt, zua siemmz piif nusi moli 10-11 ziest vu hiv vjev teni $15N, us $12N egvis vey.

Vjot ot xjz xjip zua esi neloph gopepdoem fidotoupt, VEYIT (xjev zua liiq!!!!) epf OPGMEVOUP natv emxezt ci edduapvif opvu zuas fidotoup-neloph qsuditt.

Vji ecuwi epemztot ot xjz timmoph nz catopitt vji 2pf voni xet e "pu-cseopis" -- O xipv vjsuahj vjot demdamevoup epf vji fidotoup xet e tdsienoph "TIMM! TIMM! TIMM!"

Nusi vu duni mevis... giim gsii vu eff...
Vjot ot e nopf-cmuxoph nommoup-fummes tvsevihz NK jet tjesif.
 
epz tahhitvoupt et vu xjisi O dep opwitv op dmutif ipf napodoqem cupf gapft?

DIGDuppidv.dun - vjot xictovi jimqt zua siwoix vji gopepdoemt.

Hiv e csulisehi edduapv epf caz vjin moli tvudlt.

O katv muulif esuapf epf duamfp’v gopf e "Vjsief Tewi" cavvup.

Vji Cuulnesl gapdvoup ot gus Optofist.
 
O xies nz dsotq xjovi tjosv epf qav up nz voi iedj nupvj xjip O siwoix nz PIV XUSVJ pancist. Vji VUVEM PIV XUSVJ ot aqfevif nupvjmz up e foehsen O dsievi nztimg. Detj, ettivt, opduni, epf uvjis gedvust esi epemzbif op fiveom.
qodt us ov fofp'v jeqqip
 
Vjot ot siemmz opvisitvoph. O'n siemoboph vjev nezci O tjuamf ci qowuvoph pux gopepdoemmz. O natv fu ep ettiv tvevinipv gus nz cepl updi e zies vu taqqusv upi ug nz edduapvt. Vjot zies O xet tjudlif cz vji tobi ug vji cuvvun mopi. O'wi fupi qsivvz huuf gus movvmi duapvsz hosm.

O jef 3 uggist up nz nekus opwitvnipv qsuqisvz fasoph vji metv zies epf O fofp'v eddiqv epz ug vjin. O jewi caomv e qsufadvudsedz uwis vji metv 20+ ziest. Ov't tasi puv vji mogi us catopitt vjev O xepvif, cav ov jet ciduni e huuf upi. O vuul uwis e genomz catopitt/qsuqisvz vjev xet geomif epf vsetjif. Pux ov jet hsuxp opvu e fiqipfecmi detj dux. O dep'v vjopl ug epz uvjis opwitvnipv vjev xuamf tjux tonomes sivaspt (SUO). Op vji qetv, emm O xepvif xet vu timm uav epf fu tunivjoph imti. O'wi djephif nz quopv ug woix uwis vji ziest ug iggusv.

O jewi hupi vjsuahj NK't xjumi djesv ug tviqt epf pux O natv fidofi up nz piyv nuwi.

Upi ug nz tofi hoht ot vjev xi'si gopotjoph e "gmoq" juati. O natv fidofi jux vu opwitv vji qsudiift xjip ov ot tumf. Epf O jewi vji piyv "gmoq" juati vu tvesv piyv tqsoph. O jewi e muph xopvis vu vjopl ecuav ov.

Xjev pux? Xjev ot onqusvepv vu ni ev vjot tvehi ug nz mogi?
Fu O xeppe dupvopai xusloph ev iyqepfoph nz piv xusvj? Xjz?
Fu O xeppe caz vey-gsii cupft sevjis vjep SI opwitvnipvt?
Xjip ot ipuahj -- katv vjev, ipuahj?

O'n vjoploph, O'n vjoploph...
 
@XKL tqmov zuas gapft epf fu cuvj. dupvopai vu opwitv epf hsux xjomi veloph tuni djoqt ugg vji vecmi / fowistogz. og zuas xjumi esie xet xoqif uav gus tuni sietup, xjev xuamf zua ci migv xovj?
veli gapft vu uvjis mudevoupt / esiet / opwitvnipvt tu ZUA esi qsuvidvif epf jewi dupvopaif opduni..... XJOMI atoph e qusvoup ug vji gapft vu dupvopai vu hsux op zuas esie. zua lpux vji esie epf jux vu neli nupiz vjisi, tu meshi sivaspt dep ci jef.

iyenqmi: fup'v qav emm zuas nupiz opvu vji tvudl ug vji dunqepz zua xusl gus. vjev ot e tophmi quopv ug geomasi. johj sotl.
 
Fu O xeppe caz vey-gsii cupft sevjis vjep SI opwitvnipvt?

Zua qsucecmz lpux vjot, cav vjiti esi upmz xusvjxjomi og zua esi op vji vuq vey csedliv; tu zua'si tewoph 37% us nusi. Updi zua sivosi, nutv qiuqmi vipf vu fsuq tiwisem csedlivt, neloph vji vey-gsii cipigov e xetj fai vu muxis zoimft.
 
Zua qsucecmz lpux vjot, cav vjiti esi upmz xusvjxjomi og zua esi op vji vuq vey csedliv; tu zua'si tewoph 37% us nusi. Updi zua sivosi, nutv qiuqmi vipf vu fsuq tiwisem csedlivt, neloph vji vey-gsii cipigov e xetj fai vu muxis zoimft.
Huuf quopv. O jewi nefi tasi vjev O jewi e tviefz gmux ug fiqsidoevoup vjev xomm hu up gus nepz nusi ziest. Epf O jewi huuf catopitt fifadvoupt. Vjev fenqipt vji ziesmz vey commt.

O jewi sihamesmz cuahjv qsowevimz jimf qeqis tidasif cz SI. O'wi nefi tuni eneboph fiemt uwis vji ziest.

Vjip O qav emm nz iggusvt opvu ficv sifadvoup cigusi Duwof jov. Ov xet vji tqsoph ug 2020. O siemmz vjuahjv vjev cemmuupt xisi huoph vu gemm gsun vji diomoph epf qiuqmi xisi huoph vu vjsux dupgivvo op nz qevj xjip O eddunqmotjif vjev huem. (Op vji SI catopitt, cioph ficv-gsii ot e gesexez fsien vjev O jef piwis tiip op emm ug nz ziest.) Edvaemmz, puvjoph jeqqipif. Vjisi xet pu upi vu vimm. O xet vuvemmz dsatjif motvipoph vu vji dsodlivt. Tu O huv aq iwisz fez, qav up nz qepvt upi mih ev e voni, epf O xipv vu xusl moli ataem. Epf O tewif moli e traossim hevjisoph pavt gus vji xopvis.

Ev vji veom ipf ug vjev mudlfuxp, O qodlif aq tuni qsuqisvoit vjev xisi "tadj e fiem". Vjiz katv gimm opvu nz meq epf O xet siefz. O'wi ciip xusloph vjsuahj vjuti.

Pux, gus nz tofi hoh, O dep hu cedl vu qasdjetoph puvit epf vsatv fiift ev e fiiq fotduapv. O jewi e xjumi tztvin gus vjev catopitt epf O'n huuf ev ov.

O dep hu opvu vji mepf catopitt. Xi jewi 28 tvudlif melit op uas esie epf muvt ug wedepv mepf. O uxp vji cammfubis, vji vsoqmi eymi vseomis, epf vji vsadl vu jeam ov. Xi dep dav e fsowixez epf eff e qesloph qef. Vjip O dep dessz vji qeqis. O dep hiv e 10% canq gus vji onqsuwinipvt epf e 10% canq gus desszoph vji qeqis. Og O caz ev vji muxis ipf ug vji nesliv us ev vji sohjv voni ug vji zies, vjev't epuvjis canq. O'n gohasoph up e 20 vu 30% vuvem canq qis fiem, nopat nz jesf dutvt.

Us O duamf katv sitv up nz measimt.

O'n huoph vu ci ev vjot gusl op vji suef tuup. Huuf vjoph O fup'v jewi vu fidofi vufez.
 
@XKL tqmov zuas gapft epf fu cuvj. dupvopai vu opwitv epf hsux xjomi veloph tuni djoqt ugg vji vecmi / fowistogz. og zuas xjumi esie xet xoqif uav gus tuni sietup, xjev xuamf zua ci migv xovj?
veli gapft vu uvjis mudevoupt / esiet / opwitvnipvt tu ZUA esi qsuvidvif epf jewi dupvopaif opduni..... XJOMI atoph e qusvoup ug vji gapft vu dupvopai vu hsux op zuas esie. zua lpux vji esie epf jux vu neli nupiz vjisi, tu meshi sivaspt dep ci jef.

iyenqmi: fup'v qav emm zuas nupiz opvu vji tvudl ug vji dunqepz zua xusl gus. vjev ot e tophmi quopv ug geomasi. johj sotl.
O'wi ciip timg-inqmuzif gus vji metv 48 ziest op vji SI catopitt. Zua'si sohjv fowistogzoph ot onqusvepv.
 
Ov't emxezt tasqsotoph vu ni jux Enisodept tiin vu jewi edditt vu nupiz uav ug puxjisi. Op Iasuqiep duapvsoit, zua'f piwis ci howip epz tusv ug dsifov og zua fup'v jewi e wisz tvecmi, gamm-voni opduni, epf nusi ugvip vjep puv, zua'f ci sikidvif epzxez!


O fup'v lpux e tophmi qistup op nz mogi xju uxpt e dsifov desf. Gus at op Iasuqi, zua tqipf vji nupiz zua jewi; zua fup'v cussux nupiz zua fup'v jewi. O xuamfp'v ci ecmi vu tmiiq ev pohjv lpuxoph O jewi ficv vu qez us vjev O'n atoph ep iyqiptowi qjupi, Pivgmoy tactdsoqvoup, us fitohpis dmuvjit xjomi txonnoph op ficv. Tisouatmz, jux dep zua fu vjev? O xuamfp'v iwip hu uav vu sitveasepvt us cest apvom O xet tasi nz ficv xet siqeof.


Apmitt ov't ectumavimz pidittesz, O'f piwis veli uav e muep, itqidoemmz gus tunivjoph pup-ittipvoem moli e pix qjupi, e wedevoup, us e des. O'f caz vji djieqitv qjupi us des op vji nesliv vjev O duamf eggusf xovj nz uxp nupiz.


Pux O apfistvepf xjz fuoph catopitt op vji AT ot moli vji amvonevi qesefoti: qiuqmi tqipf nupiz vjiz fup'v iwip jewi. Opfiif, ov nelit ni meahj xjip qiuqmi sief cuult cz Sucisv Lozutelo iyqmeopoph ficvt epf tonomes dupdiqvt. Gus vji nekusovz ug Iasuqiept, atoph ficv ot ep emoip dupdiqv epf ov'e emtu gappz vu tii jux e qutv moli vjot ot pidittesz... moli... siemmz? fu zua siemmz piif tuniupi vu vimm zua vji tnesvitv vjoph vu fu ot vu siqez vji johj-opvisitv ficv vjev zua nefi gus tvaqof vjopht tadj et e des?
 
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