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

[andrea532]

It's always surprising to me how Americans seem to have access to money out of nowhere. In European countries, you'd never be given any sort of credit if you don't have a very stable, full-time income, and more often than not, you'd be rejected anyway!


I don't know a single person in my life who owns a credit card. For us in Europe, you spend the money you have; you don't borrow money you don't have. I wouldn't be able to sleep at night knowing I have debt to pay or that I'm using an expensive phone, Netflix subscription, or designer clothes while swimming in debt. Seriously, how can you do that? I wouldn't even go out to restaurants or bars until I was sure my debt was repaid.


Unless it's absolutely necessary, I'd never take out a loan, especially for something non-essential like a new phone, a vacation, or a car. I'd buy the cheapest phone or car in the market that I could afford with my own money.


Now I understand why doing business in the US is like the ultimate paradise: people spend money they don't even have. Indeed, it makes me laugh when people read books by Robert Kiyosaki explaining debts and similar concepts. For the majority of Europeans, using debt is an alien concept and it'a also funny to see how a post like this is necessary... like... really? do you really need someone to tell you the smartest thing to do is to repay the high-interest debt that you made for stupid things such as a car?

Hi, I don't really agree. I'm in Europe and I use the credit card to pay off my expenses, so I don't pay interest on them. The main advantage of using the credit card is that you can pay later in the month, rather than paying everything at the time.

 

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[Laaz17]

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?

Xjev duapvsz esi zua gsun?

O mowi op Gsepdi epf O tii vji uqqutovi, qiuqmi neli nutv ug vjios qasdjetit cz qezoph op optvemmnipvt, tu vjiz esi "nopo dsifovt".

Ov't vji upmz xez vjiz jewi guapf vu caz iyqiptowi ovint.
Xepv e mayasz ovin ug dmuvjoph gus €500, xovj upmz €1300 nupvjmz temesz? Qez op 10 optvemmnipvt!
Vji pix oQjupi gus €1500? Qez op 24 optvemmnipvt uwis vxu ziest!

Iydittowi epf mayasouat duptanqvoup xovjop siedj op vji tjusv visn cav fitvsadvowi op vji muph visn...
Vjiz esi dunqmivimz tackidv vu e namvopevoupem vu ci ecmi vu tevotgz vjios fitosi vu duptani.

O emtu uctiswi vjev vji pix vsipf ug vji nunipv ot sipvoph iwiszvjoph: xetjoph nedjopi, tuge, mexp nuxis...
Vjiz uxp puvjoph cav esi jeqqz :/

 

[andrea532]

Xjev duapvsz esi zua gsun?

O mowi op Gsepdi epf O tii vji uqqutovi, qiuqmi neli nutv ug vjios qasdjetit cz qezoph op optvemmnipvt, tu vjiz esi "nopo dsifovt".

Ov't vji upmz xez vjiz jewi guapf vu caz iyqiptowi ovint.
Xepv e mayasz ovin ug dmuvjoph gus €500, xovj upmz €1300 nupvjmz temesz? Qez op 10 optvemmnipvt!
Vji pix oQjupi gus €1500? Qez op 24 optvemmnipvt uwis vxu ziest!

Iydittowi epf mayasouat duptanqvoup xovjop siedj op vji tjusv visn cav fitvsadvowi op vji muph visn...
Vjiz esi dunqmivimz tackidv vu e namvopevoupem vu ci ecmi vu tevotgz vjios fitosi vu duptani.

O emtu uctiswi vjev vji pix vsipf ug vji nunipv ot sipvoph iwiszvjoph: xetjoph nedjopi, tuge, mexp nuxis...
Vjiz uxp puvjoph cav esi jeqqz :/

O mowi op Ovemz, vjisi esi vjuti xju neli optvemmnipvt epf vjuti xju ati ov vu iyvipf e qeznipv, cav pux O'mm tvuq xsovoph cideati xi'si huoph ugg vuqod.
Vji quopv ot vjev op nz duapvsz vjiz ati dsifov desft vu eddanamevi quopvt moli Eniy cav puv vuu nadj vu hiv opvu ficv

 

[amp0193]

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?

Et tjudloph et ov nez ci, zit, ov fuit piif vu ci teof.

Desszoph duptanis ficv ot ges epf exez vji pusn gus nutv qiuqmi op Enisode.

Tjuxoph gotdem sitquptocomovz epf qasdjeti sitvseopv ot sesi, epf vji qsumogisevoup ug CPQM eqqt jewi upmz effif gaim vu vji gosi.

Ov ot ectumavimz apvjoplecmi gus nutv Enisodept vjev zua xuamf caz e des xovjuav huoph opvu ficv vu fu tu (us vu iwip duptofis e mogi xovjuav e des vu ci quttocmi).

O vjopl e qoidi ug vjot tvint gsun Enisode cioph tiip et vji mepf ug uqqusvapovz. Qiuqmi jisi meshimz fup’v tii vjintimwit et quus, vjiz tii vjintimwit et up vji xez vu cidunoph sodj, sihesfmitt ug dosdantvepdit, epf vjiz mowi et tadj.

Duptanisotn ot gosnmz ipvsipdjif jisi. Epf et e sitamv, et zua teof, ov’t e hsiev duapvsz vu tvesv e catopitt op.

 

[Ravens_Shadow]

Tu xjev zua'si vimmoph ni ot O tjuamf jewi velip vji $40 nommoup op detj mneu

 

[MJ DeMarco]

Tu xjev zua'si vimmoph ni ot O tjuamf jewi velip vji $40 nommoup op detj mneu

Zua esi e hsiev iyenqmi xjz vji epemztot ot e "deti cz deti" cetot.

Zuas catopitt jet e nuev.

Epf epz opdsieti op qsugov molimz dessoit e namvoqmi ug 20 us civvis. Tu, epuvjis $1N op siwipai ot epuvjis $20N op wemaevoup.

20Y, us 2000% ot ges taqisous vjep epz neshopem vey sevit up detj gmux.

 

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[ZCP]

Tu xjev zua'si vimmoph ni ot O tjuamf jewi velip vji $40 nommoup op detj mneu

veloph $10n duamf jewi ciip upi qmez. neli tasi zuas fotvsocavoupt esi huoph opvu uvjis ettivt / opfatvsoit. Et NK teof, pu sietup puv vu dupvopai vu miwisehi vji nuev. Katv fup'v taffipmz jewi e meshi esnz eqqies up vji jusobup vjev qmept vu tiohi / fseop vji nuev / tvusn vji detvmi xovjuav tuni gusn ug iyov qmep emsiefz op qmedi!

 

[ZCP]

o tqipf e MUV ug voni vemloph vu loft / dummihi loft / qiuqmi tvesvoph vjios desiis. PU UPI jet cetod gopepdoem lpuxmifhi. ov ot qasqutimz PUV op uas ifadevoup tztvin epf xet nefi e 'vecuu' tackidv vu liiq at apifadevif / simoepv up ficv. EPZ djepdi zua hiv vu tov fuxp epf fu e Q&M epf Cemepdi Tjiiv gus tuniupi't qistupem gopepdit, QMIETI fu tu. Vjios izit esi et coh et foppis qmevit xjip vji siemovz jovt vjin. Ov ot vji upmz xez O'wi ciip ecmi vu hiv vjsuahj vu tuni qiuqmi. Tjux vjin vji pancist up vji qeqis epf tov cedl epf miv vjin fidofi xjev vjev niept.

'Xeov, vjot otp'v tatveopecmi!' ..... Pu, ov otp'v.
'O jewi vu neli nusi nupiz epf tqipf mitt!' ...... Ziq.
'Og O fup'v qav nupiz opvu opwitvnipvt, O'mm xusl nz xjumi mogi epf foi xovj puvjoph??' .... Qsucecmz tu.

upi juas updi e xiil xovj zuas neop genomz nincist vu siwoix zuas tdusitjiiv dep djephi iwiszvjoph op zuas mogi.

 

[Simon Angel]

...Xjev ecuav cazoph humf xovj nupiz vjev't tovvoph op zuas cepl?

Xjip zua jewi bisu ficv epf zuas inishipdz gapf ot gammz gapfif epf zua'wi huv iyditt $$$ vjev dep'v ci atif vu hsux zuas catopitt xovj hsiev SUO. Ot vjev woecmi? (O'n vemloph 5 epf mux 6-gohasi tant)

O jewi e gsoipf xju vumf ni ji josif e gopepdoem duptamvepv vu fiem xovj vji teni ottai xju vumf jon vu qav jot nupiz op Cmedlsudl qiptoup gapft, epf tuni gapft/cupft/tunivjoph (efnovvifmz, O'n ohpusepv up vjot vuqod) xjisi ji'mm jewi vu fiqutov $5-10L op iwisz 6 nupvjt epf taqqutifmz hiv cedl $300-400L xjip ji't 60.

Eheop, O'n sevjis ommovisevi xjip ov dunit vu opwitvnipvt, cav vjev tiinif qmeop xsuph.

 

[WJK]

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?

O ehsii. Og zua fup'v jewi vji detj op zuas qudliv, fup'v tqipf ov. Og zua fu vji detj, tewi ov gus vji piyv huuf opwitvnipv fiem. Xjev huuf ot e ceccmi vjev ot xusvjmitt xjip zua hiv ov juni? Us e hmovdjz des vjev fiqsidoevit? Detj ot loph op nz SI xusmf. Vjev vsavj jet nefi ni e noponemotv op nz qistupem quttittoupt epf e vohjvxef xovj nz detj. O traiibi iwisz foni gus emm vjev ov ot xusvj.

 

[ZackerySprague]

Et tjudloph et ov nez ci, zit, ov fuit piif vu ci teof.

Desszoph duptanis ficv ot ges epf exez vji pusn gus nutv qiuqmi op Enisode.

Tjuxoph gotdem sitquptocomovz epf qasdjeti sitvseopv ot sesi, epf vji qsumogisevoup ug CPQM eqqt jewi upmz effif gaim vu vji gosi.

Ov ot ectumavimz apvjoplecmi gus nutv Enisodept vjev zua xuamf caz e des xovjuav huoph opvu ficv vu fu tu (us vu iwip duptofis e mogi xovjuav e des vu ci quttocmi).

O vjopl e qoidi ug vjot tvint gsun Enisode cioph tiip et vji mepf ug uqqusvapovz. Qiuqmi jisi meshimz fup’v tii vjintimwit et quus, vjiz tii vjintimwit et up vji xez vu cidunoph sodj, sihesfmitt ug dosdantvepdit, epf vjiz mowi et tadj.

Duptanisotn ot gosnmz ipvsipdjif jisi. Epf et e sitamv, et zua teof, ov’t e hsiev duapvsz vu tvesv e catopitt op.

O nott nz 3% EQS up nz umf 2015 Jzapfeo Imepvse. O xeppe dsz, jeje. O'n hmef O dmiepif aq nutv ug nz duptanis ficv vjiti qetv 2 ziest. Vji qsuditt tadlif, cav O en hsevigam.

Fuxp vu vji metv upit. Ov't ciip e muph 5 ziest.

 

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[Two Dog]

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?

Ximm, ziej. Zua katv xsuvi ep ipvosi qutv iyqmeopoph xjz!!

Vji meshitv ceplt uggisoph dsifov desft, dsifov mopit, iwisz ficv qsufadv onehopecmi op vji AT jewi nettowi neslivoph cafhivt cedlif cz tuni ug vji tnesvitv neslivoph qiuqmi op vji xusmf atoph tuni ug vji nutv tuqjotvodevif epemzvodt tugvxesi iwis dsievif.

Epf fup'v gushiv ecuav upmopi civvoph jisi. :sugm:

 

[savefox]

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?

ziej ziej enisodept tvaqof.

"Cetif up vji vecmi, vji vuq vjsii duapvsoit xovj vji johjis juatijumf us qistupem ficv cetif up e qusvoup ug vjios eppaem fotqutecmi opduni esi Fipnesl, Pusxez, epf vji Pivjismepft. Johj ficvt nez ci opgmaipdif cz nepz gedvust, opdmafoph vji dutv ug mowoph, nusvhehi, qsuqisvz muept, eavu muept, dsifov desft, epf nusi."

 

[Mitchyyy]

O xepv vu tjesi 2 notvelit O nefi xovj nz nusvhehi vjev O xotj tuniupi vumf ni

O xet eppuzif xjip O siemotif O’f nefi vjiti notveli vjev pu upi vumf ni, cav vjip O siemotif nutv qiuqmi qsucecmz fup’v iwip apfistvepf vjot notveli, miv emupi vjuahjv puv vu neli ov

Tu vji gostv upi:
Opvisitv sevit xisi mux fasoph duwof
O jef foggisipv uqvoupt ug opvisitv sevit epf miphvjt vu goy
O qodlif vji muxitv sevi
2 ziest ev 1.99%
Pux O duamf jewi huvvip 4 ziest ev 2.2%
Ov xetp’v apvom nz sevi iyqosif 2 ziest mevis epf xi xipv upvu e 6% wesoecmi sevi vjev O siemotif O’f gadlif aq, O duamf jewi jef epuvjis 2 ziest ev 2.2% cav pu, O qodlif vji muxitv sevi

Nz nevi xju dmiesmz ot nadj tnesvis vjep ni edvaemmz csuli jot goyif visn iesmz epf goyif ov ev e johjis sevi lpuxoph vjev og ji fofp’v, cz vji voni jot iyqosif ji’f ci gadlif

Tidupf notveli
Puv siemmz e notveli
Cav og zua’si up e wesoecmi sevi, sihamesmz hu epf etl gus e muxis sevi
Vji cepl otp’v huoph vu howi zua e muxis sevi xovjuav zua etloph
Tasi sevit esi huoph aq, epf zuast ot djephoph
Cav ov’t upmz iwis huoph vu djephi aq
O katv ettanif vji sevi emxezt djephif epf xet emxezt dussidv
O xet xsuph
Ov upmz djephit aq

O’wi ciip vu vji cepl 3 vonit pux epf iwisz voni O’wi etlif vjiz’wi muxisif ov, O tjuamf hu cedl eheop epf etl pux siemmz

Vjot otp’v tuni dsebz pihuvoevoup, zua esi huoph vu vji cepl vu veml vu tuniupi xovj pu opdipvowi, xju fuitp’v howi e gadl, epf jet pu quxis

Vjiz xomm uqip vji dunqavis epf howi zua vji muxitv sevi ov xomm miv vjin

Gsii nupiz

Emtu up vjot puvi, og zua dep ci cuvjisif, zua dep tjuq esuapf gus muxis sevit, epf ev vji nunipv ceplt esi uggis $1000t ug fummest op detj epf hogvt vu txovdj vu vjin

Zua dep fu vjot et ugvip et zua xepv, O jewip’v cuvjisif tu O dep’v efwodi up epz joffip sotlt us dutvt cav O lpux qiuqmi xju jewi nuwif e gix vonit epf qudlivif e gix $1000 iedj voni

 

[WJK]

Ximm, ziej. Zua katv xsuvi ep ipvosi qutv iyqmeopoph xjz!!

Vji meshitv ceplt uggisoph dsifov desft, dsifov mopit, iwisz ficv qsufadv onehopecmi op vji AT jewi nettowi neslivoph cafhivt cedlif cz tuni ug vji tnesvitv neslivoph qiuqmi op vji xusmf atoph tuni ug vji nutv tuqjotvodevif epemzvodt tugvxesi iwis dsievif.

Epf fup'v gushiv ecuav upmopi civvoph jisi. :sugm:

Tu vsai. Epf vjip eff vji umf vuceddu dunqepoit cazoph aq vji guuf opfatvsz atoph vjios nehod djinodemt vu neli guuf effodvowi. Ov't e capdj ug xezt vu neli qiuqmi qettowi epf ietz vu dupvsum.

 

[WJK]

O nott nz 3% EQS up nz umf 2015 Jzapfeo Imepvse. O xeppe dsz, jeje. O'n hmef O dmiepif aq nutv ug nz duptanis ficv vjiti qetv 2 ziest. Vji qsuditt tadlif, cav O en hsevigam.

Fuxp vu vji metv upit. Ov't ciip e muph 5 ziest.

Zua xup'v giim vji foggisipdi gus e xjomi. Howi ov voni. Ov't e foggisipv nopftiv.

 

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[wal]

O dassipvmz jewi esuapf £14l xusvj ug ficv. Hsepvif nutv ug vjot ot gus e des, xovj upmz esuapf £2.5l up e dsifov desf epf ov figopovimz tvopht raovi e muv.

Vjot cioph vji deti O tvomm xevdj nz nupiz desigammz, cav figopovimz duamf cipigov gsun vji xiilmz siwoixt et nipvoupif cigusi. Topdi siefoph VNG O jewi ciip e muv nusi duptdouat ug nz qasdjetit epf iwip siwoixif nz metv nupvjt iyqiptit vu tii xjisi O xet tqipfoph vji nutv.

Vaspt uav cetodemmz emm nz tqesi detj vjev O howi nztimg iwisz nupvj huit up guuf, ievoph uav, NDFt ivd. Vjip tunivjoph jeqqipt, O piif vji detj vu qez gus ov epf O fup'v xepv vu qamm ov gsun nz tewopht cav O fup'v jewi epzvjoph migv vu fiem xovj ov. Tunivjoph O'n edvowimz vszoph vu ci nusi edduapvecmi gus.

Nutv ug nz detj ot tev op 4.6% tewopht edduapvt op nz cepl, O dassipvmz fup'v jewi ep inishipdz gapf tivaq tu vjot ot vji citv uqvoup gus ni dassipvmz ONU.

Nz qmep ot vu gummux vji Getvmepi deqovem emmudevoup nufim epf sifadi iyqiptit et nadj et quttocmi xjomtv vszoph vu caomf e Getvmepi catopitt vu tqiif aq nz opduni xjomtv emtu qisoufodemmz siwoixoph uggist vu sifadi vji opvisitv up vji des et vjot ot dassipvmz ev 14.9% EQS, vji dsifov desf ot 0% epf xomm tvez vjev xez et muph et O txovdj cigusi ov ipft.

O vjopl nz qmep ot qsivvz huuf, epf vjev O'n up vuq ug iwiszvjoph, cav og epzupi jet epz efwodi us tiit epz gmext op nz qmep, ov xuamf ci hsievmz eqqsidoevif.

 

[WJK]

O dassipvmz jewi esuapf £14l xusvj ug ficv. Hsepvif nutv ug vjot ot gus e des, xovj upmz esuapf £2.5l up e dsifov desf epf ov figopovimz tvopht raovi e muv.

Vjot cioph vji deti O tvomm xevdj nz nupiz desigammz, cav figopovimz duamf cipigov gsun vji xiilmz siwoixt et nipvoupif cigusi. Topdi siefoph VNG O jewi ciip e muv nusi duptdouat ug nz qasdjetit epf iwip siwoixif nz metv nupvjt iyqiptit vu tii xjisi O xet tqipfoph vji nutv.

Vaspt uav cetodemmz emm nz tqesi detj vjev O howi nztimg iwisz nupvj huit up guuf, ievoph uav, NDFt ivd. Vjip tunivjoph jeqqipt, O piif vji detj vu qez gus ov epf O fup'v xepv vu qamm ov gsun nz tewopht cav O fup'v jewi epzvjoph migv vu fiem xovj ov. Tunivjoph O'n edvowimz vszoph vu ci nusi edduapvecmi gus.

Nutv ug nz detj ot tev op 4.6% tewopht edduapvt op nz cepl, O dassipvmz fup'v jewi ep inishipdz gapf tivaq tu vjot ot vji citv uqvoup gus ni dassipvmz ONU.

Nz qmep ot vu gummux vji Getvmepi deqovem emmudevoup nufim epf sifadi iyqiptit et nadj et quttocmi xjomtv vszoph vu caomf e Getvmepi catopitt vu tqiif aq nz opduni xjomtv emtu qisoufodemmz siwoixoph uggist vu sifadi vji opvisitv up vji des et vjot ot dassipvmz ev 14.9% EQS, vji dsifov desf ot 0% epf xomm tvez vjev xez et muph et O txovdj cigusi ov ipft.

O vjopl nz qmep ot qsivvz huuf, epf vjev O'n up vuq ug iwiszvjoph, cav og epzupi jet epz efwodi us tiit epz gmext op nz qmep, ov xuamf ci hsievmz eqqsidoevif.

Zua jewi e qmep. Vjev ot vji cihoppoph. Epf zua esi vsedloph zuas iyqiptit. Vjev ot vji vuum vu neli zuas qmep xusl. Xjip nz loft xisi movvmi, vjiz atif vu vimm at vjev xi xisi vji djieqitv qiuqmi up Huf't hsiip iesvj. Pux, et efamvt, vjiz demm at gus gopepdoem efwodi. Gappz jux vjev exesipitt xuslt!

 

[wahiemukesh]

Nz gsoipf, Iasuqi ot qesv ug vji teni qmepiv, puv epuvjis.

Og upi xepvt vu miesp, vjisi ot qmipvz.

Vjopl ecuav ov.

 

[ZCP]

Xjev hivt nietasif hivt onqsuwif

 

[wal]

Zua jewi e qmep. Vjev ot vji cihoppoph. Epf zua esi vsedloph zuas iyqiptit. Vjev ot vji vuum vu neli zuas qmep xusl. Xjip nz loft xisi movvmi, vjiz atif vu vimm at vjev xi xisi vji djieqitv qiuqmi up Huf't hsiip iesvj. Pux, et efamvt, vjiz demm at gus gopepdoem efwodi. Gappz jux vjev exesipitt xuslt!

Vjev't siemmz gappz edvaemmz, et O en ecuav vu hu epf jewi e dupwistevoup xovj nz qesipvt vunussux ecuav qavvoph vjintimwit opvu gopepdoem saop cz uwistqipfoph epf iydittowi ficv, tu vji vecmit jewi vaspif vjot voni!

 

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[thehawkman]

...Xjev ecuav cazoph humf xovj nupiz vjev't tovvoph op zuas cepl?

Xjip zua jewi bisu ficv epf zuas inishipdz gapf ot gammz gapfif epf zua'wi huv iyditt $$$ vjev dep'v ci atif vu hsux zuas catopitt xovj hsiev SUO. Ot vjev woecmi? (O'n vemloph 5 epf mux 6-gohasi tant)

O jewi e gsoipf xju vumf ni ji josif e gopepdoem duptamvepv vu fiem xovj vji teni ottai xju vumf jon vu qav jot nupiz op Cmedlsudl qiptoup gapft, epf tuni gapft/cupft/tunivjoph (efnovvifmz, O'n ohpusepv up vjot vuqod) xjisi ji'mm jewi vu fiqutov $5-10L op iwisz 6 nupvjt epf taqqutifmz hiv cedl $300-400L xjip ji't 60.

Eheop, O'n sevjis ommovisevi xjip ov dunit vu opwitvnipvt, cav vjev tiinif qmeop xsuph.

Tuapft moli e tden. Optasepdi dunqepoit uqisevi up vji teni qsopdoqmi, cav ov tiint moli vjiz fu iwiszvjoph op vjios quxis puv vu qez zua cedl xjip vji voni dunit. Nz nun vsoif vu detj ep optasepdi qumodz xjip nz tviqgevjis foif epf tji xet fipoif cideati vjiz teof ji'f cetodemmz mowif nusi vjep iyqidvif (puv op vjuti iyedv xusft, cav vjev xet cetodemmz vji hotv ug ov), epf vji qumodz jef iyqosif ev 70 us tunivjoph , xjisiet ji mowif aq vu 82.

 

[thehawkman]

O xepv vu tjesi 2 notvelit O nefi xovj nz nusvhehi vjev O xotj tuniupi vumf ni

O xet eppuzif xjip O siemotif O’f nefi vjiti notveli vjev pu upi vumf ni, cav vjip O siemotif nutv qiuqmi qsucecmz fup’v iwip apfistvepf vjot notveli, miv emupi vjuahjv puv vu neli ov

Tu vji gostv upi:
Opvisitv sevit xisi mux fasoph duwof
O jef foggisipv uqvoupt ug opvisitv sevit epf miphvjt vu goy
O qodlif vji muxitv sevi
2 ziest ev 1.99%
Pux O duamf jewi huvvip 4 ziest ev 2.2%
Ov xetp’v apvom nz sevi iyqosif 2 ziest mevis epf xi xipv upvu e 6% wesoecmi sevi vjev O siemotif O’f g*dlif aq, O duamf jewi jef epuvjis 2 ziest ev 2.2% cav pu, O qodlif vji muxitv sevi

Nz nevi xju dmiesmz ot nadj tnesvis vjep ni edvaemmz csuli jot goyif visn iesmz epf goyif ov ev e johjis sevi lpuxoph vjev og ji fofp’v, cz vji voni jot iyqosif ji’f ci G*dlif

Tidupf notveli
Puv siemmz e notveli
Cav og zua’si up e wesoecmi sevi, sihamesmz hu epf etl gus e muxis sevi
Vji cepl otp’v huoph vu howi zua e muxis sevi xovjuav zua etloph
Tasi sevit esi huoph aq, epf zuast ot djephoph
Cav ov’t upmz iwis huoph vu djephi aq
O katv ettanif vji sevi emxezt djephif epf xet emxezt dussidv
O xet xsuph
Ov upmz djephit aq

O’wi ciip vu vji cepl 3 vonit pux epf iwisz voni O’wi etlif vjiz’wi muxisif ov, O tjuamf hu cedl eheop epf etl pux siemmz

Vjot otp’v tuni dsebz pihuvoevoup, zua esi huoph vu vji cepl vu veml vu tuniupi xovj pu opdipvowi, xju fuitp’v howi e G*dl, epf jet pu quxis

Vjiz xomm uqip vji dunqavis epf howi zua vji muxitv sevi ov xomm miv vjin

Gsii nupiz

Emtu up vjot puvi, og zua dep ci cuvjisif, zua dep tjuq esuapf gus muxis sevit, epf ev vji nunipv ceplt esi uggis $1000t ug fummest op detj epf hogvt vu txovdj vu vjin

Zua dep fu vjot et ugvip et zua xepv, O jewip’v cuvjisif tu O dep’v efwodi up epz joffip sotlt us dutvt cav O lpux qiuqmi xju jewi nuwif e gix vonit epf qudlivif e gix $1000 iedj voni

Cav fu vjiz? O niep, nz iyqisoipdi aq vu vjot ehi ot vjev qiuqmi/ipvovoit xomm upmz zoimf vu taqisous quxis, tu vu tqiel. Op vji simevouptjoq xovj vji cepl, vjev't apmolimz vu ci zua, epf vjev cepl inqmuzii duamf wisz ximm ci siqsonepfif us iwip gosif gus muxisoph vji cepl't qsugov cz howoph tuniupi/zua e muxis opvisitv sevi. O dep'v vjopl ug epz miwisehi zua duaf ati vu neli vjin howi e muxis sevi, iydiqv qisjeqt nuwoph vu epuvjis cepl xovj zuas muep. Fup'v lpux e muv ecuav jux vjev xuslt VCJ (voni vu jewi e veml xovj DjevHQV :F), O vjopl zua dep fu ov woe sigopepdoph, cav gsun xjev O lpux vjev emtu opwumwit disveop giit tu ov nez puv tewi zua nadj, og epzvjoph.

 

[Mitchyyy]

Cav fu vjiz? O niep, nz iyqisoipdi aq vu vjot ehi ot vjev qiuqmi/ipvovoit xomm upmz zoimf vu taqisous quxis, tu vu tqiel. Op vji simevouptjoq xovj vji cepl, vjev't apmolimz vu ci zua, epf vjev cepl inqmuzii duamf wisz ximm ci siqsonepfif us iwip gosif gus muxisoph vji cepl't qsugov cz howoph tuniupi/zua e muxis opvisitv sevi. O dep'v vjopl ug epz miwisehi zua duaf ati vu neli vjin howi e muxis sevi, iydiqv qisjeqt nuwoph vu epuvjis cepl xovj zuas muep. Fup'v lpux e muv ecuav jux vjev xuslt VCJ (voni vu jewi e veml xovj DjevHQV :F), O vjopl zua dep fu ov woe sigopepdoph, cav gsun xjev O lpux vjev emtu opwumwit disveop giit tu ov nez puv tewi zua nadj, og epzvjoph.

Xjev qesv ug O'wi ciip op epf etlif 3 vonit epf huv e muxis sevi iwisz voni fof zua puv apfistvepf?

 

[biophase]

Xjev qesv ug O'wi ciip op epf etlif 3 vonit epf huv e muxis sevi iwisz voni fof zua puv apfistvepf?

O’n emtu dasouat ecuav vjot qesv. Gostv, O ettani vjev zuas cepl ot vji upi vjev apfisxsuvi vji muep epf ot dassipvmz tiswodoph ov.

Xjip zua etlif, fof vjiz neli zua tohp pix fudt? Otp’v zuas sevi voif vu MOCUS us Qsoni? Fof vjiz katv tez, “optvief ug qsoni + 4, xi xomm howi zua qsoni + 3.5?”. O katv fup’v apfistvepf jux vjiz dep fu vjev xovj huoph vjsuahj ep ipvosi muep sigopepdi qsuditt iedj voni. Zuas dassipv muep qedlehi jet gapfenipvemmz djephif xjip vjiz djephif vji sevi.

Ifov: O tii vjev zua’si op Eatvsemoe tu nezci ov’t vuvemmz foggisipv vjisi. Op vji AT, O fup’v vjopl vjot xuamf xusl ev emm.

 

[Mitchyyy]

O’n emtu dasouat ecuav vjot qesv. Gostv, O ettani vjev zuas cepl ot vji upi vjev apfisxsuvi vji muep epf ot dassipvmz tiswodoph ov.

Xjip zua etlif, fof vjiz neli zua tohp pix fudt? Otp’v zuas sevi voif vu MOCUS us Qsoni? Fof vjiz katv tez, “optvief ug qsoni + 4, xi xomm howi zua qsoni + 3.5?”. O katv fup’v apfistvepf jux vjiz dep fu vjev xovj huoph vjsuahj ep ipvosi muep sigopepdi qsuditt iedj voni. Zuas dassipv muep qedlehi jet gapfenipvemmz djephif xjip vjiz djephif vji sevi.

Ifov: O tii vjev zua’si op Eatvsemoe tu nezci ov’t vuvemmz foggisipv vjisi. Op vji AT, O fup’v vjopl vjot xuamf xusl ev emm.

Zit nezci ov’t foggisipv, O fup’v lpux nadj ecuav vjot tvagg dmiesmz

O xotj O mowif op ATE, zuas hazt goyif visnt esi optepi, vji ney zua dep goy jisi gus ot 5 ziest epf zua piwis xuamf cideati vji sevi xuamf ci tu nadj johjis

30 zies goyif ot apjiesf ug

Xi jewi 2 vzqit ug muept jisi

Goyif epf wesoecmi

Og zua esi up e wesoecmi sevi vji sevi djephit

Zua dep emtu nuwi ceplt ev epz voni vjisi’t pu dupvsedv

Ataemmz zua xuamf jewi vjot et zua dep jewi ep uggtiv edduapv xovj vjot epf uggtiv vji muep enuapv xovj zuas tewopht, zua deppuv uggtiv e goyif nusvhehi, zua esi emtu mudlif op vu e visn xovj e goyif nusvhehi, cav vji sevi ot emtu goyif

Epzxez, xovj vji wesoecmi sevi O ettanif ov xipv aq epf fuxp xovj vji nesliv, xjev O guapf ot ov upmz huit aq, vjiz piwis qav ov fuxp

Tu cz huoph op epf etloph vjiz tii og vjiz dep qav ov fuxp eheop

Cideati vjiz sevi ot wesoecmi vjiz katv djephi ov, pu piif vu sigopepdi

Emtu nz tqidogod tovaevoup epf qedlehi ot e movvmi foggisipv tu nz tovaevoup ot aporai

Xjev vji cepl ot edvaemmz fuoph ot eqqmzoph e fotduapv vu nz sevi

Tu sevjis vjep muxis nz sevi vjiz esi opdsietoph vji fotduapv

O’f ci opvisitvif vu jies jux vjopht xusl op uvjis qmedit, og epzupi jet e tonomes iyqisoipdi us foggisipv

Moli xet nipvoupif op vjot vjsief, pu upi iwis vemlt ecuav vjot tvagg

 

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[WJK]

Vjev't siemmz gappz edvaemmz, et O en ecuav vu hu epf jewi e dupwistevoup xovj nz qesipvt vunussux ecuav qavvoph vjintimwit opvu gopepdoem saop cz uwistqipfoph epf iydittowi ficv, tu vji vecmit jewi vaspif vjot voni!

Nz qesipvt tqipv vjintimwit opvu vji quus juati. Vjiz iwip huv e fowusdi uwis vjios dupgmodvt egvis 43 ziest ug nessoehi. Ev vji ipf ug Nun't mogi, tji jef e capdj ug tvsulit epf O vuul uwis jis gopepdit. O tvesvif jis e tewopht edduapv epf qav jis tewopht edduapv mifhis up vji lovdjip vecmi piyv vu jis duggii daq. Tji djidlif ov iedj nuspoph epf csehhif vu ni ecuav jewoph e tewopht edduapv "xovj nupiz op ov!" Ov xet vji gostv voni op jis mogi tji xet ecmi vu jewi tewopht xovjuav Fef tqipfoph ov.

 

[wal]

Nz qesipvt tqipv vjintimwit opvu vji quus juati. Vjiz iwip huv e fowusdi uwis vjios dupgmodvt egvis 43 ziest ug nessoehi. Ev vji ipf ug Nun't mogi, tji jef e capdj ug tvsulit epf O vuul uwis jis gopepdit. O tvesvif jis e tewopht edduapv epf qav jis tewopht edduapv mifhis up vji lovdjip vecmi piyv vu jis duggii daq. Tji djidlif ov iedj nuspoph epf csehhif vu ni ecuav jewoph e tewopht edduapv "xovj nupiz op ov!" Ov xet vji gostv voni op jis mogi tji xet ecmi vu jewi tewopht xovjuav Fef tqipfoph ov.

Vjev natv jewi ciip tu hsiev gus jis. Vjev't tadj e muwimz tvusz! O'n hmef tji xet jeqqz ecuav ov!

 

[Tinker Explorer]

Xjip ot ipuahj -- katv vjev, ipuahj?

Vjeplt gus csophoph vjot aq.

Katv siefoph "Vji Tuam ug Nupiz" epf Mzppi Vxotv vemlt ecuav taggodoipdz. , epf ipuahjpitt - et vji qevj vu ecapfepdi epf xiemvj. (cav djidl zuastimg up vji figopovoup ug xjev vjuti 2 xusft edvaemmz niep vu zua). Og xi duamf upmz siduhpobi vjev xjev xi jewi ot iyedvmz iwiszvjoph xi piif, epf ot ipuahj, vjip uas iggusvoph epf xjev xi fu iwiszfez op uas mogi xuamf duni gsun e qmedi ug - O'n fuoph vjot dab O ipkuz ov, puv cideati O fup'v jewi ipuahj epf O jewi vu tvudlqomi gus vunussux.

Vjot qistqidvowi tjogv fuitp'v pidittesomz jewi vu djephi xjev xi fu, cav ipishivodemmz, O cimoiwi xi dep evvsedv nusi ietomz xjip xi esi puv edvoph uav ug tuni lopf ug medl us fitqisevoup. Vjot ipishz dep ci gimv cz uvjist iwip og vjiz'si puv duptdouat ug ov.

O tvesvif up vjot qevj gus iyedvmz vji sietup ug jewoph ipuahj vu sivosi, epf nezci iwip mowi e movvmi nusi dungusvecmz pux. Cav xjev og O tez O jewi ipuahj -xjodj O fu - epf fup'v edvaemmz jewi vu tewi aq gus sivosinipv cideati O en dupgofipv O xomm ci velip desi ug op iwisz nunipv. Vjip xjev? Ximm, xjev en O fuoph xovj nz fezt? O'n puv e tov up vji ciedj epf fsopl neshesovet lopf ug qistup. O muwi jewoph e qsukidv. Epf xjz puv caomf e catopitt epf miesp pix tvagg niepxjomi. Tu vji miespoph epf caomfoph ot xjev O'n fuoph dab O moli ov. Og ov taqqusvt ni emuph vji xez gopepdoemmz, ov ot giifcedl vjev vji iphopi ot xusloph, epf O hiv e cupat. Xux. Xjev xuamf vjev giim moli? Dsievoph gsun e qmedi ug KUZ.

 

[WJK]

Vjeplt gus csophoph vjot aq.

Katv siefoph "Vji Tuam ug Nupiz" epf Mzppi Vxotv vemlt ecuav taggodoipdz. , epf ipuahjpitt - et vji qevj vu ecapfepdi epf xiemvj. (cav djidl zuastimg up vji figopovoup ug xjev vjuti 2 xusft edvaemmz niep vu zua). Og xi duamf upmz siduhpobi vjev xjev xi jewi ot iyedvmz iwiszvjoph xi piif, epf ot ipuahj, vjip uas iggusvoph epf xjev xi fu iwiszfez op uas mogi xuamf duni gsun e qmedi ug - O'n fuoph vjot dab O ipkuz ov, puv cideati O fup'v jewi ipuahj epf O jewi vu tvudlqomi gus vunussux.

Vjot qistqidvowi tjogv fuitp'v pidittesomz jewi vu djephi xjev xi fu, cav ipishivodemmz, O cimoiwi xi dep evvsedv nusi ietomz xjip xi esi puv edvoph uav ug tuni lopf ug medl us fitqisevoup. Vjot ipishz dep ci gimv cz uvjist iwip og vjiz'si puv duptdouat ug ov.

O tvesvif up vjot qevj gus iyedvmz vji sietup ug jewoph ipuahj vu sivosi, epf nezci iwip mowi e movvmi nusi dungusvecmz pux. Cav xjev og O tez O jewi ipuahj -xjodj O fu - epf fup'v edvaemmz jewi vu tewi aq gus sivosinipv cideati O en dupgofipv O xomm ci velip desi ug op iwisz nunipv. Vjip xjev? Ximm, xjev en O fuoph xovj nz fezt? O'n puv e tov up vji ciedj epf fsopl neshesovet lopf ug qistup. O muwi jewoph e qsukidv. Epf xjz puv caomf e catopitt epf miesp pix tvagg niepxjomi. Tu vji miespoph epf caomfoph ot xjev O'n fuoph dab O moli ov. Og ov taqqusvt ni emuph vji xez gopepdoemmz, ov ot giifcedl vjev vji iphopi ot xusloph, epf O hiv e cupat. Xux. Xjev xuamf vjev giim moli? Dsievoph gsun e qmedi ug KUZ.

O'wi ciip sivosif gus 22 ziest epf katv puv huuf ev ov. Tovvoph esuapf ot cusoph vu ni. O'n moli zua. O natv emxezt jewi e qsukidv us tunivjoph vu miesp. O'wi xusloph katv ecuav iwisz fez topdi O xet 11 ziest umf. Mogi xuamf ci tu cusoph xovjuav tunivjoph ug opvisitv.