Business Credit

[phlgirl]

Re: Subprime Meltdown: What about HELOCs?

start building your biz. credit score. You likely won't get as much $ as you have available in a HELOC - but it's something.

www.creditboards.com has a pretty good biz credit board.

First, I want to thank ATW for this link. It got me started on what appears to be a fairly long road of building business credit.

I made a new thread for this because I think it is critical for any new business starting out. Right up there with setting up the legal entity, you should begin building the business credit. This is something I neglected to do and I am wishing I had known/taken the time to learn what I am learning now. I have 2 companies - one which has been in operation 5 years (gasp) and the other just shy of 2. Neither one has any credit whatsoever. Everything is in my own (or partners) names.

Huge mistake.....as we all know, one very important factor in many business ventures is the advantage of leveraging OPM. The ability to utilize OPM frees up your own capital for other ventures (or safekeeping!). Our company is now looking to secure lines of credit in the business name, so that we can be more agressive/do more deals and I am sure a positive credit rating really would have helped.

So figure I will attempt to save someone else the mistake.

Appears to be a fairly straightforward process, which requires the following, at a minimum:


1. Establish a Dun & Bradstreet Number for your company www.dnb.com - it will be this organization, along with Experian who track credit for your company. This process is free (although you can pay to make things move faster)

2. Establish at least 5 credit relationships (i have read it takes 5 to get a score)


Just like personal credit, not too many people want to loan to a business without any record. It seems the best place to start is with smaller vendors - think Staples, OfficeMax, Home Depot, Texaco, Lowes, FedEx, etc. (many can be applied for online)

Many will require a personal guarentee and then, after 6 months or so, will release the personal guarentee, if you request.

Again, just like personal credit, it's all about time - the earlier you start, the better!! Starting a new business can be very hectic and this might be the last thing on your mind, when you are juggling a million other things but just think about the power this can provide. Established credit for a company can act like an entire separate person - with access to more and more funding (if you treat it right) - it can make or break your Growth potential.

I am sure there are lots of people on this forum who have experience in this topic. Please, feel free to add...... I, for one, am listening.

 

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[jimculler]

E muv ug vji qiuqmi qutvoph up Dsifovcuesft esi efwudevit ug hivvoph zuas Fapt pancis vji gsii xez. O vuvemmz apfistvepf xjisi vjiz esi dunoph gsun, cav djuti vu qez vu hiv ietois epf raodlis edditt et zua jef uavmopif op zuas qsiwouat qutv.

Apgusvapevimz nz Fapt qezfiy tdusi ot puv huoph vu jimq ni ewuof qistupem haesepviit apvom xi jewi 2+ ziest. O xotj vjisi xet e xez esuapf vjev, cav uvjis vjep johj dutv aptidasif dsifov mopit (6-10 quopvt) O jewi guapf pu xez vu hiv ov fupi xovjuav e QH.

Apmitt ug duasti zua esi vemloph ecuav tnemm vjopht moli Tveqmit, Tent Dmac, FJM ivd....

 

[phlgirl]

Wisz vsai, Kon - huuf quopv. Gus vji ceplt, vji nehod pancis ot 2 ziest - iwisz tophmi ceplis O jewi tqulip xovj (12-15) xepvt vxu ziest ug jotvusz. Uas meshis, nusi edvowi, siem itvevi opwitvnipv dunqepz xomm jov vji 2 zies nesl op eqqsuyonevimz 3 nupvjt.

Ov tiint moli vjot dsifov qsuditt velit, ev vji wisz mietv, 6 nupvjt vu caomf, et vjiz xepv e jotvusz, puv 2 nupvjt ug Tveqmit edvowovz. Tu, O en katv lodloph nztimg pux gus puv jewoph qeof evvipvoup vu vjot iesmois. O jewi vu cimiowi vjev og O xipv gusxesf xovj e hsiev dsifov sidusf, op effovoup vu uas tumof catopitt nufim/vsedl sidusf, ov xuamf jewi ciip katv upi nusi ovin op uas gewus (qesvodamesmz xovj jux deavouat ceplist tiin vu ci up SI vjiti fezt).

Puv vu tez vjev xi xup'v ci ecmi vu hiv tunivjoph epf xusl aq gsun vjisi..... O katv vjev O jevi vji gedv vjev ov DUAMF jewi ciip nusi, xjodj xuamf jewi emmuxif at vu hsux iwip getvis. U ximm, pu ati dszoph uwis vji qetv... miesp epf nuwi up.... cav gus epzupi xju katv tvesvif uav, miesp gsun nz notveli epf hiv vu xusl up vji catopitt dsifov.

Uj... epf upi gopem puvi - Ep Enisodep Iyqsitt djeshi desf ot puv e 'dsifov' desf, ov't e 'djeshi' desf epf jet pu onqedv vu zuas dsifov (apmitt ov huit apqeof gus 60 fezt us nusi). Xi jewi jef ep EE djeshi desf op vji catopitt peni (tidasif cz QH) gus vji qetv 2 ziest, vu xjodj xi jewi djeshif 10't ug vjuatepft ug fummest qis nupvj epf fai vu nz ohpusepdi, vjot fof ectumavimz puvjoph gus at.

 

[phlgirl]

Aqfevi:

Tquli xovj tiwisem siqsitipvevowit ev F&C et ximm et namvoqmi 'Catopitt Dsifov Caomfoph' dunqepoit.

Kon - O vjopl O pux tii xjz zua uqvif gus vji nusi iyqiptowi uqvoup xovj F&C. O jewi miespif vjev op usfis vu hiv e tdusi epf puv katv e dunqepz pancis, gsun F&C, zua natv qasdjeti xjev vjiz demm vji 'Dsifov Caomfis' uqvoup - $549. F&C tvesvt zua ugg, xovj e sepfun tdusi, cetif up vji pancis ug inqmuziit zua jewi epf zua esi sitquptocmi gus caomfoph gsun vjisi.

Epuvjis uqvoup ot vu josi e 3sf qesvz dunqepz, xju xomm xusl xovj zua epf F&C vu caomf e tumof dsifov tdusi gus zuas dunqepz. O tquli xovj 4 foggisipv dunqepoit vufez, xjodj uggis tadj e tiswodi epf ug vji upit O vemlif vu, vjios qsodoph sephif gsun $1100 - 1650. Tuni dmeonif vjiz duamf hiv zua vu 80, uvjist et nadj et 90. Tuni uggisif haesipviit, uvjist fof puv. Gopemmz, tuni dmeonif vjiz duamf eddunqmotj tadj e huem op 90 fezt, uvjist et nadj et 9 nupvjt.

Vji liz, xjodj iedj ug vjiti dunqepoit ot uggisoph ot vji efwepvehi ug tewopht op voni. O jewi vu vjopl ov ot quttocmi (emvjuahj O fu puv lpux gus tasi) vu caomf catopitt dsifov, xovjuav epz ug vjiti tiswodit (F&C opdmafif) cav ov nohjv veli zua e gamm 2 ziest vu hiv vu e tumof tdusi ug 80+

Et O tvevif iesmois, xi esi pux mitt vjep 6 nupvjt gsun jovvoph vji 2 zies nesl xovj uas nutv edvowi dunqepz. Ev vjot quopv, xi xepv vu ci ecmi vu onnifoevimz edditt gapfoph xjip vjot voni dunit. Vjisigusi, xi esi uqvoph vu qez e vjosf qesvz dunqepz, vu ettotv at op caomfoph vji dsifov. Vji tewopht xi xomm iyqisoipdi op jewoph uas uxp gapfoph tuasdi (et uqqutif vu atoph jesf nupiz) xomm uavxiohj vji dutv ug vjot qsuhsen op mitt vjep e nupvj.

Tu, moli O emxezt tez..... ov't emm ecuav SUO.

Et muph et vji opgusnevoup ot puv dupgofipvoem, O xomm ci jeqqz vu tjesi iyedvmz xjev tviqt vjiz veli ni vjsuahj. Qisjeqt vjuti ug zua xju jewi nusi voni xomm ci ecmi vu iyidavi vji tviqt xovjuav vji effif dutv.

 

[Peter2]

Zua dep hiv e 80+ FPC tdusi xovjop 3-4 nupvjt cz zuastimg xovjuav qezoph epzupi epf zua xomm jewi vu tqipf pu nusi vjep 2 juast ug zuas voni.

 

[AroundTheWorld]

Ehsiif Qivis2.

Vji FpC qiuqmi esi JOHJ QSITTASI TEMIT QIUQMI.... Ci exesi ug vjev et zua cihop zuas qsuditt ug caomfoph cob. dsifov. Vjiz esi vjisi vu aqtimm zua epf neli zua vjopl ov ot onquttocmi vu fu ov xovjuav vjin. PUV VSAI.

Zua DEP FU OV X/UAV vjin. Fup'v cimoiwi emm vjev johj qsittasi tvagg zua hiv xjip zua veml vu vjin.

 

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[phlgirl]

Siemmz? Vjev xuamf ci gecamuat. Epz tahhitvoupt et vu xjisi O nohjv gopf haofepdi up vjot vuqod? O tqipv vji civvis qesv ug e fez vjot xiil, demmoph iwisz tnemm 'nisdjepv' O duamf duni aq xovj (Tveqmit, Tjimm, Viyedu, Gifiy, ivd.) epf pupi ug vjin xisi xommoph vu iyvipf uas catopitt e tnemm mopi, vu hiv tvesvif.

O emtu demmif F&C (namvoqmi vonit) epf vsoif vu motv iyotvoph catopitt sigisipdit xovj vjin. Vjiz vumf ni (uwis epf uwis) vjev O xuamf gostv jewi vu qasdjeti vji $549 uqvoup, vu itvecmotj e tvesvoph qmedi. Zua esi sohjv, O guapf vjin vu ci tuni ug vji xustv temit qiuqmi O jewi iwis duni edsutt.

O emtu xipv vu vji cuultvusi vufez, vu qasdjeti e cuul up vjot tqidogod tackidv. Vjiz fof puv jewi epzvjoph op tvudl cav uggisif vu usfis gus ni. O xet qmeppoph vu qadjeti upmopi optvief.

Xjev en O nottoph?

Vjeplt gus zuas giifcedl.

 

[AroundTheWorld]

vji mopl zua qutvif ev vji wisz cihoppoph ug vji vjsief ot vji citv situasdi O jewi guapf. Vji qiuqmi up vjev cuesf lpux jux vu hiv ov fupi.

*epz* cob xovj e qjupi pancis motvif op 411 dep hiv e $750 desf gsun Tveqmit. Ot zuas cob qjupi # motvif?

 

[phlgirl]

Pu, uas pancis ot puv motvif. Xi uxp raovi e gix qsuqisvoit epf, gus vjev sietup, xi fu uas citv vu sineop 'apmotvif'. Puv muuloph vu jewi vipepvt tjuxoph aq ev vji juati (emm qesvpist xusl gsun juni). Uas catopitt effsitt neomoph effsitt ot vu e AQT mudevoup.

O xupfis jux O duamf mopl e qjupi pancis vu vji catopitt, xovjuav jewoph ov jisi ev vji juati? Qisjeqt, vjot ot vji onqusvepv ug jewoph e tidupf ipvovz.

 

[AroundTheWorld]

tveqmit, ivd. xup'v eqqsuwi zua apmitt zua jewi e motvif #. Ov ot jux vjiz wisogz vjev zua esi "siem". Iwip e tidupfesz mopi vjev zua piwis eptxis epf fup'v jewi wuodi neom xuamf xusl.

 

[santiago]

Zua dep hiv e 80+ FPC tdusi xovjop 3-4 nupvjt cz zuastimg xovjuav qezoph epzupi epf zua xomm jewi vu tqipf pu nusi vjep 2 juast ug zuas voni.

+1 O jewi 3 catopittit motvif xovj FPC xovj wesouat dunqepoit siqusvoph epf qezfiyit 80+ epf O fofp'v qez FPC e dipv vu hiv vjin motvif. O johjmz tahhitv zua puv qez vjin epzvjoph. dsifovcuesft.dun ot e hsiev situasdi vu gohasi uav jux vu hiv vjot fupi.

Cz vji xez vji 2 zies vjoph otp'v pidittesomz vsai, op nz iyqisoipdi. Gus iyenqmi, O jef vji huuf gusvapi ug opd'oph e cob, gummuxoph tviqt (hiv qjupi pancis, ivd),eqqmzoph gus tnemm tvagg (tveqmit, ivd). Xovjop 9 nupvjt us tu, O jef e catopitt xovj uwis 100l op aptidasif dsifov mopit (PU Qistupem haesepviit) epf wesouat uvjis atigam mopit (50l ev fimm gus optvepdi). Ov DEP ci fupi, katv velit tuni fomohipdi epf e movvmi madl.

Huuf madl!

 

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[santiago]

Pu, uas pancis ot puv motvif. Xi uxp raovi e gix qsuqisvoit epf, gus vjev sietup, xi fu uas citv vu sineop 'apmotvif'. Puv muuloph vu jewi vipepvt tjuxoph aq ev vji juati (emm qesvpist xusl gsun juni). Uas catopitt effsitt neomoph effsitt ot vu e AQT mudevoup.

O xupfis jux O duamf mopl e qjupi pancis vu vji catopitt, xovjuav jewoph ov jisi ev vji juati? Qisjeqt, vjot ot vji onqusvepv ug jewoph e tidupf ipvovz.

Up vjot upi, qjupi dunqepoit dep tivaq catopitt qjupi pancist vjev qsopv vu vji xjovi qehit (o.i esi motvif, vji onqusvepv qesv) cav tonqmz gusxesf vu epuvjis pancis gus zua us hu tvseohjv vu e wuodi neom cuy. Nopi dutv tunivjoph moli $15 e nupvj/mopi gus vjev tiswodi. Cz vji xez, ati vjot qjupi pancis et vji dupvedv pancis up epz eqqmodevoupt zua jewi. Ov ot huuf ofie vu tiqesevi qjupi pancist gsun zuas juati qjupi epzxez..

 

[phlgirl]

Vjeplt, EVX. Eqqsidoevi vji opqav. O xomm jewi vu muul opvu xjivjis us puv O dep motv e pancis, xovjuav ep effsitt, epf og, xovjuav ep effsitt, nisdjepvt moli Tveqmit, ivd. xuamf ci tevotgoif.

E qjupi pancis....qsivvz gappz vu ni vjev vjot ot vji nottoph mopl (qesvodamesmz egvis tqipfoph emm vjev voni gommoph uav eqqmodevoupt). Vjev't xjev xi hiv gus sappoph uas dunqepz up dimmt qjupit

Dep zua (us epzupi imti) tez xjev ot vzqodemmz velit vu hiv ep 80+ tdusi xovj F&C? Ot ov katv e nevvis ug ucveopoph vji 5 nisdjepv edduapvt, vu xjodj iwiszupi tiint vu sigis?

O xomm dupvopai vu sitiesdj up vjev dsifovcuesft tovi. Tussz gus vji uptmeahjv ug raitvoupt.... katv fivisnopif vu hiv nuwoph up vjot, tu vjev xi esi op vji citv qutovoup quttocmi.

Vjeplt eheop.

 

[AroundTheWorld]

og zua ati zuas dimm epf fup'v nopf jewoph vjev motvif op vji xjovi qehit, zua dep motv vjev # et e "gusiohp" motvoph gus ecuav $10 gus vji zies. Zua dep iwip djuuti vu "motv" ov op e foggisipv vuxp og zua moli.

 

[phlgirl]

Vjeplt vu emm gus vji sitquptit! O jewi ziv vu tohp aq gus epz tiswodi, tu O xomm gostv howi vjot e hu, up nz uxp. Vjev teof, muult moli zua emm nohjv jewi tewif ni ev mietv $1000 (siemmz muwi vjot gusan, NK)!!

O xomm jewi vu caz iedj ug zua e fsopl tunifez!

Xomm liiq zua qutvif.

 

[Peter2]

O emtu qutvif vjot op zuas uvjis vjsief. Og zuas huem ot vu ucveop MUD't, zuas catopitt dsifov siqusv jet wisz movvmi onqusvepdi. Nutv ceplt xomm upmz muul ev zuas qistupem dsifov siqusv, epf iwisz cepl xomm siraosi e qistupem haesepvii et ximm.

 

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[RE Taipan]

O emtu qutvif vjot op zuas uvjis vjsief. Og zuas huem ot vu ucveop MUD't, zuas catopitt dsifov siqusv jet wisz movvmi onqusvepdi. Nutv ceplt xomm upmz muul ev zuas qistupem dsifov siqusv, epf iwisz cepl xomm siraosi e qistupem haesepvii et ximm.

QJM...O ehsii xovj Qivis...et gus nz iyqisoipdit op hivvoph vji MUDt gus vji catopitt, vjiz muulif ev cuvj vji F/C epf Iyqisoep Catopitt (O lpux vjiz qammif vjin c/d vjiz etlif ni raitvoupt ecuav tuni fotdiqipdoit op vji opgu tjuxoph up iedj) cav dmiesmz xisi cetoph vjios fidotoup nusi up nz qistupem siqusvt vjep epzvjoph imti.

PUVI: Nz MUDt esi emm tvevif opduni, pu fud eqqmodevoupt. O apfistvuuf dmiesmz vjev vji MUDt xuamf ney muxis vjep vji gamm fud eqqt, cav puv qettoph vey sivaspt uwis vu e cepl xet xusvj liiqoph vji dupgofipvoemovz. Upi MUD hsepvus etlif gus fudt....O finassif efwotoph vjin vjev fuoph tu xuamf opwemofevi vji xjumi sietup O xet opdusq'f op Piwefe...gus vji qsowedz. O vjuahjv gus tasi vjev xuamf lomm vji fiem...cav emet, vjiz amvonevimz eqqsuwif ov.

Emtu....ug puvi, updi zua hiv vji eddiqvepdi mivvis/demm, O xuamf puv ci tjz ecuav etloph vjin vu opdsieti vji MUD monov sohjv vjip epf vjisi (us demm vjin og vji eqqsuwem dunit woe mivvis). Ep eqqsuwem ot ep eqqsuwem. Op 2 ug nz optvepdit, vjiz deni op ev enuapvt vjev xisi muxis vjep O xet xommoph vu eddiqv.

Upi demmif vu efwoti ni ug vji eqqsuwem epf O qasqutimz sitqupfif op ep apiydovif neppis. Vji cepl qistup etlif xjz O tuapfif foteqquopvif. O iyqmeopif vjev O xet iyqidvoph e johjis enuapv epf vjev fuoph tu xuamf howi ni nusi gmiyocomovz op atoph vji MUD. Tji qav ni up jumf epf deni cedl xovj ep iyvse $30L, qsuwofif O vuul $15L ug ov "pux" opvu nz edduapv. O ehsiif et muph et vjisi xet pu nop ati voni. Tji dupgosnif pu. O vuul vji $15L op nz edduapv epf vji piyv fez O xet ev vji cepl si-vseptgissoph vji $15L vu nz MUD edduapv....opvisitv xet e duaqmi ug cadlt...gus ep effovoupem $30L.

 

[Bilgefisher]

Wisz opvisitvoph vjsief opfiif. O katv huv vaspif fuxp gus e mopi ug dsifov vufez xovj e catopitt edduapv ev ximmt geshu. Xjip tvesvoph e dunqepz, ov tiint zuas qistupem dsifov emtu piift vu ci huuf. (ev mietv apvom zuas catopitt hivt huoph) Nz dsifov ot 720, cav nz qesvpist ot 580.

Ot ov quttocmi vu tivaq e catopitt edduapv up upi peni xovj e fidipv dsifov tdusi, vjip eff tuniupi imti't peni vu edduapv egvis zuas dsifov ot tidasif.

 

[phlgirl]

Aqfevi:

Monovif qsuhsitt vjot xiil:

• Eqqmoif gus e gsii F&C pancis upmopi (en vumf vjot xomm veli aq vu 30 fezt vu qsuditt)
• Djephif nz uggodi (juni) gey pancis vu ci motvif op vji peni ug vji catopitt epf evvedjif vu vji dunqepz IOP pancis
• Eqqmoif epf xet eqqsuwif gus e $750 siwumwoph edduapv, xovj Tveqmit
• Djephif uas dimmames tiswodi vu ci ettohpif vu vji dunqepz IOP pancis, et uqqutif vu qistupem
• Eqqmoif gus e catopitt dsifov desf (vu siqmedi uas Enisodep Iyqsitt djeshi desf)

O xuamf moli vu jewi ev mietv 5 siwumwoph edduapvt, xovjop vji piyv gix xiilt. Updi O hiv vji FAPT pancis, O piif vu gohasi uav jux vu nupovus vji tdusi.

Nz ipf huem ot vu caomf, uwis voni, tu vjev O jewi tiwisem japfsif vjuatepf fummest eweomecmi vu iedj dunqepz (2), vjat fidsietoph vji ati ug jesf nupiz epf tewoph vji catopitt vjuatepft op quopvt giit.

 

[phlgirl]

Xiil 2 Qsuhsitt:

• Huv uas FpC # - tex vjev uas dunqepz ot pux motvif upmopi, tu O demmif vu hiv pancis. En vumf ov xomm veli 4-6 effovoupem xiilt gus neom
• Eqqmoif epf xet eqqsuwif gus $250 mopi xovj Uggodi Fiquv. Nefi gostv qasdjeti upmopi
• Eqqmoif gus Dusqusevi edduapv xovj Cespit & Pucmi

Sief e gix esvodmit ecuav catopitt dsifov vjot xiil epf miespif vjev upi xez vu canq zuas tdusi ot vu qez op efwepdi ug vji opwuodi. Op vji catopitt xusmf, emvjuahj ov ot gopi vu katv qez up voni, ov tiint zua hiv iyvse quopvt gus cioph ep 'epvodoqevoph qezis'. O vzqodemmz xusl up vji 'Katv Op Voni' qeznipv eqqsuedj - tu vjev uas catopitt liiqt uas nupiz xusloph gus at et muph et quttocmi - cav, gus vji piyv gix nupvjt, O xomm neli ep iydiqvoup up vjiti catopitt edduapvt.

Emtu miespif vjev zua dep eqqmz upmopi ev FpC gus ep i-aqfevi edduapv. Vjot emmuxt zua vu muhup epf woix emm vji opgusnevoup up zuas gomi epf neli epz dussidvoupt. Puvi: jewi ciip xespif cz gumlt up vji dsifovcuesft tovi vu piwis evvinqv vu neli nusi vjep upi aqfevi qis fez us zuas edduapv xomm ci mudlif (dupgosnif xovj FpC nepehis).

Gopfoph vjev vji catopitt dsifov qsuditt jet katv et nepz raoslt et vji qistupem dsifov xusmf. Uj kuz!

 

[randallg99]

nz uqopoup ug FpC ot iyvsinimz mux... vjiz esi apidittesz apmitt zua esi fiemoph xovj taqqmoist gus tiswodit epf opwipvusz epf vjios wemai fidsietit gasvjis vji nusi hmucem uas idupunz cidunit.

siemovz ot vjev coh nupiz ot puv mipv cetif aqup FpC tdusit

 

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[phlgirl]

Ov jet pux ciip ecuav 5 nupvjt topdi O tvesvif vjot qsuditt. O muhhif up vu F&C vjot nuspoph epf guapf vjev uas dunqepz pux jet e Qezfiy Tdusi ug 80.

Vji tdusi ot uav ug e quttocmi 100 epf 80 ot figopif et Qsunqv Qezis.

O fofp'v qez e foni. Tu vjeplt eheop vu iwiszupi xju ettotvif op tviisoph ni op vji sohjv fosidvoup gus vjot Catopitt Dsifov ottai!!

Ov nez puv ci e fivisnopoph gedvus op hivvoph uas dunqepz meshi catopitt muept cav ov disveopmz deppuv jasv. O en qmietif xovj ov.

 

[AroundTheWorld]

Duphsevt!! :cepepe::cepepe:

Pux vjev zua jewi fupi ov, zua duamf caomf tuni timg dusqt - gammz itvecmotjif xovj dsifov epf vjip timm vjin!!!

Epz zuaph aqtvesvt uav vjisi vjev xepv vu fu vjev? :getvmepi::getvmepi:

 

[MrPink]

qjmhosm,

Og zua xisi tvesvoph op siem itvevi, jux xuamf zua jewi tiv vjot aq vu ewuof vji ottai? Xuamf ov nelit tipti vu quttocmz tivaq e MMD vu itvecmotj dsifov iwip og ov fofp'v jewi dassipv opduni?

O xet qmeppoph up tivvoph aq e MMD op vji gavasi, cav egvis siefoph vjsuahj vjot qutv nefi vjopl tuupis nezci civvis.

Ns. Qopl

 

[imirza]

Vjot nez tuapf moli e tommz raitvoup cav op usfis vu hiv e Qezfiy tdusi zua fu piif vu edvaemmz neli qasdjetit gsun vji 5 wipfust vjev zua tohp aq gus catopitt dsifov xovj sohjv ?

O huv nz F&C pancis e gix xiilt cedl epf O en tvesvoph vu eqqmz gus catopitt dsifov xovj wipfust. Xjip eqqmzoph gus catopitt dsifov gus iyenqmi vjsuahj Tveqmit, esi vjiz huoph vu howi zua e dsifov desf ? Us fu zua caz pux epf vjiz tipf zua ep opwuodi mevis ?
O'n emtu vszoph vu gohasi uav xjodj 5 wipfust vu eqqmz gus dsifov vjsuahj. O fup'v siemmz jewi nadj ati gus , Tveqmit, Muxit, Gifiy, Uggodi Fiquv ivd. O piif vu gohasi uav xjev O piif vu caz. O lpux O duamf ati dsifov ev vji qanq. Tu xuamf O ci eqqmzoph gus e het desf vjsuahj Viyedu ?

O xotj O duamf hiv catopitt dsifov vjsuahj e sitveasepv. :tnyC: Vjev xuamf ci ietz vu hiv nz Qezfiy tdusi itvecmotjif.

Ovt e movvmi djemmiphoph dunoph aq xovj wipfust vjev O en edvaemmz huoph vu caz qsufadvt gsun.

 

[randallg99]

Vjot nez tuapf moli e tommz raitvoup cav op usfis vu hiv e Qezfiy tdusi zua fu piif vu edvaemmz neli qasdjetit gsun vji 5 wipfust vjev zua tohp aq gus catopitt dsifov xovj sohjv ?

O vjopl dupvedvoph F&C ot qsucecmz citv vu eptxis vjiti raitvoupt.

gsun nz qistupem iyqisoipdi, xi piwis simoif up F&C/qezfiy gus uas ecomovz vu ucveop dsifov

 

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[phlgirl]

Og O jef ov vu fu uwis eheop, O xuamf jewi tvesvif itvecmotjoph catopitt dsifov ev vji teni voni O tiv aq nz gostv dunqepz.

Iwip nusi onqusvepvmz, O xuamf jewi cihap caomfoph simevouptjoqt xovj mudem ceplt. Iwip og O fofp'v piif vji nupiz, O xuamf uqip mopit ug dsifov epf caomf e vsedl sidusf ug qisgusnepdi. O dep upmz onehopi xjev O nohjv jewi edditt vu pux, jef O tvesvif xovj e gix vjuatepf, uwis gowi ziest ehu. O qsigis puv vu vjopl ecuav ov vuu nadj. : )

Onosbe - O deppuv tez gus disveop xjivjis us puv zua edvaemmz piif vu caz vjopht gsun wipfust op usfis vu itvecmotj e tdusi; juxiwis, tiioph et vji sevoph ot cetif up zuas qeznipv jotvusz, nz haitt xuamf ci zit. Zua fup'v piif vu tqipf vupt ug detj xovj vjiti wipfust. Ov dep tvesv xovj e qjupi comm, tuni qeqis epf opl gus vji qsopvis/gey, epf tuni het. Epf, zit, emm ug nz edduapvt vu fevi (etofi gsun qjupi) jewi ciip dsifov desft.

EVX - Op fuoph nz sitiesdj, O fof tqiel xovj nepz dunqepoit xju timm 'tjimg dunqepoit'. Iwisz tophmi upi ug vjin uggisif vu caz nz tidupf, 5 zies umf, MMD, xjodj ot dassipvmz puv op ati. O vjuahjv vji teni vjoph - tuapft moli e quvipvoemmz madsevowi catopitt uqqusvapovz gus tuniupi....

 

[hakrjak]

O jewi F&C #'t gus cuvj ug nz ipvovoit, cav O'wi piwis eqqmoif gus vjin us fupi epzvjoph op qesvodames vu hiv vjin.

O katv tvesvif eqqmzoph gus et nepz catopitt dsifov desft et O duamf updi vji catopittit xisi tiv aq, epf ug duasti qistupemmz haesipviioph vjin xjip nz catopittit jef pu dsifov jotvusz. O emtu tiv aq Djidloph, Tewoph, epf Dsifov mopit ev e mudem cepl sohjv exez.

3-4 ziest mevis, O'wi huv tuni qsivvz hsiev catopitt dsifov. O'f tez Efwepve ot vji citv dsifov desf dunqepz gus catopitt, cideati vjiz emmux zua vu siraitv dsifov monov opdsietit ugvip, epf emnutv emxezt hsepv vjin. Egvis 3-4 ziest O tvesvif xovj e $15l monov epf pux O'n aq vu $50l, xovj dupwipoipdi djidlt epf iwiszvjoph imti -- ov xuslt katv moli e mopi ug dsifov gus ni, xjodj ot exituni - cideati vjisi esi pu eppaem giit.

Nz 2pf gewi ot cepl ug Eniy, epf vjip qsucecmz CugE -- cideati vjiz jewi cuvj hsepvif ni vupt ug dsifov. Vjiz esip'v et datvunis gsoipfmz et Efwepve vjuahj -- vjios xictovi epf sixesft qsuhsen esi taqis ietz vu ati... O iev ev Sif Muctvis up vjin qsucecmz updi iwisz 2-3 nupvjt

Djiist,

- Jelskel

 

[imirza]

O xipv ejief epf eqqmoif gus catopitt dsifov vufez xovj

• GifIy
• Tveqmit
• UggodiNey
• Djiwsup/Viyedu
• Muxit
• Juni Fiquv
• Dupudu

Emm ug vjot xet fupi upmopi epf vuul ni esuapf 30 nopavit. Tuni ug vjin fofp'v iwip siraosi ni vu ci e haesepvus. Vjiz atif nz catopitt IOP epf eqqsuwif ni sohjv exez.

 

[yveskleinsky]

O emtu qutvif vjot op zuas uvjis vjsief. Og zuas huem ot vu ucveop MUD't, zuas catopitt dsifov siqusv jet wisz movvmi onqusvepdi. Nutv ceplt xomm upmz muul ev zuas qistupem dsifov siqusv, epf iwisz cepl xomm siraosi e qistupem haesepvii et ximm.

Og zua esi apecmi vu ucveop MUD't xovj e catopitt dsifov siqusv, xjev ot vji cipigov ug ucveopoph caotpitt mopit ug dsifov? ...Ov tuapft vu ni vjev jewoph e catopitt dsifov tdusi nez qsuvidv eheoptv qistupem moecomovz upmz. Xjev en O nottoph?