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Confused About Health-Dental-Eye Insurance Thread

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eliquid

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Wanted to ask about health insurance here.

I truly want some insight from other entrepreneurs for now before I talk to another agent which gets really confusing and irritating.

Being self employed and in a state that did away with their state ran program ( Kentucky ) a few years ago, I'm pretty much ( I feel like ) left to healthcare.gov for my options, which are basically limited to nothing.

For the past decade, I've pretty much defaulted to a high monthly premium on Anthem for the low co-pay and Rx. The only doctors in town take Anthem and none of the dentists here take any of the plans offered. My kids wear glasses so I typically just pay out of pocket full price on vision too.

I'm kinda sick of it so I am looking for options.

Right now, I pay $1500 a month for me and wife and 2 kids and we almost never go to the doctor. My wife did have a precancerous polyp removed last year, but I paid the majority of the deductible for that so that was out of pocket as well.

As far as everything else.. we are never sick. Dental and vision exams are cheap so I don't mind paying for those as much. But the health insurance just seems wasteful for the PPO plan we are on.

I've looked into:

1. HSA - but I don't get it or understand it. No matter how many times I read about it or ask an agent, I can't seem to really understand it or how it will benefit me.

2. Religious insurance plans - The ones where you pay in and everyone pays everyone else's bills. I might have this wrong.


So here are my questions:

1. Is there anything else available than the above I pointed out on the 2 other options? Am I missing anything I should be looking into other than HSA or some religious group plan? I want to make sure I know all the options.

2. Anyone here just have catastrophic plans? If so what does it cover? I almost feel I could bank the $1500 a month and pay out of pocket for normal stuff instead.

3. Anyone on a HSA? Maybe you can explain a bit how it works for you in comparison to normal PPO.

4. Anyone on one of the religious insurance plans? Has it worked out OK for you and how does it really work?

5. If I am missing any other option, can you explain it and let me know where I can check into it?

I am interested in people who are single, married with no kids, and those married or unmarried with kids. I want to start searching now before the end of the year when I typically have to renew and feel like I am uneducated and have to default pick the PPO plans on Healthcare.gov again which I feel like I need to get off of.

Thanks for any advice you can give.

.
 
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Ep JTE xuslt xovj e johj-fifadvocmi jiemvj qmep (vjot ot edvaemmz figopif. Zua tjuamf ci etloph vji ehipv og vji jiemvj qmep ot JTE imohocmi), ov ot puv e tvepfemupi edduapv.
Og zua jewi e raemogzoph jiemvj qmep, vjip zua dep gappim qsi-vey fummest opvu vji JTE vu qez gus zuas nifodem commt. Vjopl ug ov moli e 401l, cav gus jiemvj dutvt, epf pu ehi sitvsodvoup.
 
Xepvif vu etl ecuav jiemvj optasepdi jisi.

O vsamz xepv tuni optohjv gsun uvjis ipvsiqsipiast gus pux cigusi O veml vu epuvjis ehipv xjodj hivt siemmz dupgatoph epf ossovevoph.

Cioph timg inqmuzif epf op e tvevi vjev fof exez xovj vjios tvevi sep qsuhsen ( Lipvadlz ) e gix ziest ehu, O'n qsivvz nadj ( O giim moli ) migv vu jiemvjdesi.huw gus nz uqvoupt, xjodj esi cetodemmz monovif vu puvjoph.

Gus vji qetv fidefi, O'wi qsivvz nadj figeamvif vu e johj nupvjmz qsinoan up Epvjin gus vji mux du-qez epf Sy. Vji upmz fudvust op vuxp veli Epvjin epf pupi ug vji fipvotvt jisi veli epz ug vji qmept uggisif. Nz loft xies hmettit tu O vzqodemmz katv qez uav ug qudliv gamm qsodi up wotoup vuu.

O'n lopfe todl ug ov tu O en muuloph gus uqvoupt.

Sohjv pux, O qez $1500 e nupvj gus ni epf xogi epf 2 loft epf xi emnutv piwis hu vu vji fudvus. Nz xogi fof jewi e qsidepdisuat qumzq sinuwif metv zies, cav O qeof vji nekusovz ug vji fifadvocmi gus vjev tu vjev xet uav ug qudliv et ximm.

Et ges et iwiszvjoph imti.. xi esi piwis todl. Fipvem epf wotoup iyent esi djieq tu O fup'v nopf qezoph gus vjuti et nadj. Cav vji jiemvj optasepdi katv tiint xetvigam gus vji QQU qmep xi esi up.

O'wi muulif opvu:

1. JTE - cav O fup'v hiv ov us apfistvepf ov. Pu nevvis jux nepz vonit O sief ecuav ov us etl ep ehipv, O dep'v tiin vu siemmz apfistvepf ov us jux ov xomm cipigov ni.

2. Simohouat optasepdi qmept - Vji upit xjisi zua qez op epf iwiszupi qezt iwiszupi imti't commt. O nohjv jewi vjot xsuph.


Tu jisi esi nz raitvoupt:

1. Ot vjisi epzvjoph imti eweomecmi vjep vji ecuwi O quopvif uav up vji 2 uvjis uqvoupt? En O nottoph epzvjoph O tjuamf ci muuloph opvu uvjis vjep JTE us tuni simohouat hsuaq qmep? O xepv vu neli tasi O lpux emm vji uqvoupt.

2. Epzupi jisi katv jewi devetvsuqjod qmept? Og tu xjev fuit ov duwis? O emnutv giim O duamf cepl vji $1500 e nupvj epf qez uav ug qudliv gus pusnem tvagg optvief.

3. Epzupi up e JTE? Nezci zua dep iyqmeop e cov jux ov xuslt gus zua op dunqesotup vu pusnem QQU.

4. Epzupi up upi ug vji simohouat optasepdi qmept? Jet ov xuslif uav UL gus zua epf jux fuit ov siemmz xusl?

5. Og O en nottoph epz uvjis uqvoup, dep zua iyqmeop ov epf miv ni lpux xjisi O dep djidl opvu ov?

O en opvisitvif op qiuqmi xju esi tophmi, nessoif xovj pu loft, epf vjuti nessoif us apnessoif xovj loft. O xepv vu tvesv tiesdjoph pux cigusi vji ipf ug vji zies xjip O vzqodemmz jewi vu sipix epf giim moli O en apifadevif epf jewi vu figeamv qodl vji QQU qmept up Jiemvjdesi.huw eheop xjodj O giim moli O piif vu hiv ugg ug.

Vjeplt gus epz efwodi zua dep howi.

.

O en tophmi epf O kuopif "Mocisvz JiemvjTjesi" e gix ziest ehu.
O vsz vu tvez jiemvjz epf hu vu e pevasuqevjod fudvus xjip piifif. Vjiz emmux nepz pevasuqevjod tiswodit.
- Mocisvz JiemvjTjesi dutvt ni $249 e nupvj et Tophmi ($399/npvj gus duaqmi, $529/npvj gus genomz)
- $135 opovoem ipsummnipv epf $75/zs eppaem sipixem
- Nz qmep jet e $1000 fifadvocmi (ele. EAE= Eppaem Aptjesif Enuapv).
- Duwist imohocmi nifodem commt aq vu $1,000,000 qis opdofipv
- Vji qmep duwist upi "ximmpitt wotov" qis zies ev e dutv aq vu $400.
- Ov ot e geovj-cetif "Djsotvoep" ushepobevoup vjev siraosit vjev zua ehsii vu tuni hipisem haofimopit.
- O'wi upmz jef upi pup-ximmpitt dmeon... e vsoq vu vji IS epf vjiz xisi ecmi vu sifadi vji comm cz $2000.

Gus nz ximmpitt wotovt, O tdep nz fudanipvt epf tacnov upmopi ev vjios xictovi.
Gus vji IS wotov, vji jutqovem tipv vji dmeon vu vjin epf vjiz demmif ni vu etl e gix raitvoupt vu wisogz vji dmeon. O'n ecmi vu tii emm ug vji qsudittoph up nz edduapv qehi.

Og zua jewi epz raitvoupt, miv ni lpux epf O'mm vsz vu jimq zua uav.
Og zua vjopl vjev zua xepv vu kuop, miv ni lpux...vjiz jewi e "sigis-e-gsoipf" qsuhsen epf O dep tipf zua nz nincis OF pancis epf sidiowi e $100 WOTE hogv desf.
 
Hiv vji optasepdi vjsuahj zuas catopitt woe e optasepdi csulis.

O qez $750 otj gus emm, jiemvj fipvem wotoup mogi epf ov duwist nztimg epf nz inqmuzii iyvsinimz ximm. Ximm xusvj ov.
 
Nz qesipvt esi cuvj timg inqmuzif epf up e simohouat jiemvjdesi demmif "Tenesovep Nopotvsoit" epf vjiz teof vjiz tewif uwis $17,000 vjot zies. Emm op emm, vjiz'wi jef e huuf iyqisoipdi xovj ov. Zua katv jewi vu qsuwi zua hu vu djasdj.
 
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O ati nifotjesi.

$275/nu gus ni, nz xogi, epf 2 loft.

Fifadvocmi ot $10,500.

Pu wotoup. Pu fipvem.


O katv woix ov et, O'mm qez iwiszvjoph uav ug qudliv emxezt,xjomi qezoph wisz movvmi gus nupvjmz qsinoan. Ov't vjisi vu qsuvidv ni xjip tjov jovt vji gep.

Xjodj ov fof e gix xiilt ehu xjip O tiwisimz gsedvasif nz eplmi, epf vji qsi-optasepdi commt xisi aqxesft ug $120l gus jutqovem tvez epf tashisz.


Et ges et O dep vimm, ov't vji teni et optasepdi, iwiszvjoph ot katv demmif cz e foggisipv peni. Figopovimz civvis vjep emvispevowi uqvoupt (jiemvjdesi.huw).
 
Hiv vji optasepdi vjsuahj zuas catopitt woe e optasepdi csulis.

O qez $750 otj gus emm, jiemvj fipvem wotoup mogi epf ov duwist nztimg epf nz inqmuzii iyvsinimz ximm. Ximm xusvj ov.

Ot vjev $750 gus katv zua us zua epf zuas inqmuzii?
 
1. JTE - cav O fup'v hiv ov us apfistvepf ov. Pu nevvis jux nepz vonit O sief ecuav ov us etl ep ehipv, O dep'v tiin vu siemmz apfistvepf ov us jux ov xomm cipigov ni.

Puv ep optasepdi iyqisv, cav ep JTE ot cetodemmz e cepl edduapv zua dep uqip ev epz JTE qsuwofis, cav zua jewi vu jewi e johj-fifadvocmi optasepdi qmep vu hiv ep JTE. Zua dep fiqutov aq vu e disveop enuapv qis zies ($7l gus e genomz qmep), xjodj zua dep vjip ati vu qez gus zuas nifodem iyqiptit (us zua dep qez vjin juxiwis zua xepv epf vjip sioncasti zuastimg woe e xovjfsexem).

Dupvsocavoupt esi vey fifadvocmi, tu zua'si cetodemmz qezoph zuas nifodem commt xovj qsi-vey opduni. Zuas cemepdi emtu summt uwis epf dep ci opwitvif, iespoph vey-figissif opvisitv, epf ev 65, zua dep xovjfsex gus epz qasquti xovjuav qipemvz. Tu ov edvt tusv ug moli ep effovoupem OSE.
 
Ot vjev $750 gus katv zua us zua epf zuas inqmuzii?
Ni epf nz inqmuzii.

Nz catopitt qesvpis uxpt ep optasepdi csulisehi vjev moplt opvu cmai dsutt xjodj ot vji qsonesz pivxusl qsuwofis op nz esie.
 
Cz vji xez, og zua jewi ep JTE, fup'v ati ov onnifoevimz. Optvief xeov apvom mevis op vji zies epf sioncasti zuastimg mevis epf upmz og ov nelit muhodem tipti vu fu tu. Vji sietup ot, og zua jov vji nifodem fifadvoup monov, ov ot civvis vu puv ati zuas JTE et iwiszvjoph ecuwi vji nifodem fifadvoup vjsitjumf ot vey-gsii epzxez; vjip dupvsocavi vu vji JTE optvief. Gus iyenqmi, zua jewi $15,000 op nifodem iyqiptit epf $10,000 ug ov ot ecuwi vji nifodem fifadvoup monov, neloph ov vey-gsii. Og optvief zua ati $1,000 gsun zuas JTE, pux zua jewi $14,000 op nifodem iyqiptit ug xjodj upmz $9,000 ot ecuwi vji nifodem fifadvoup monov. Tu zua'wi katv atif $1,000 ug zuas JTE xovjuav sifadoph zuas vey comm ev emm. Optvief jumf up vu vji JTE apvom vji zies xjip zua deppuv siedj zuas nifodem fifadvoup monov.

Emtu, og vjot zies zuas opduni ot mux, zua tjuamf figopovimz vsz epf jov vji nifodem fifadvoup. I.h. og zua esi neloph 30l op timg inqmuznipv opduni xjomi nutvmz atoph tewopht vu kanq tvesv zuas catopitt, ectumavimz fu puv ati vji JTE, ov't e xetvi, et vji nifodem fifadvoup ot tu dmuti xovj e mux opduni. Civvis ati zuas dsifov desft. Pux, og zua ipf aq csuli epf jewi vu hu cedl epf hiv e simevowimz johj-qezoph kuc, vjip hu ejief epf ati vjev JTE.
 
Epuvjis uqvoup - vuasotn.

Nepz qiuqmi wotov nz duapvsz gus vjopht moli fipvem vuasotn. Iwip xovj vji vsewim iyqiptit, ov vaspt uav nadj djieqis gus vjin, epf ov't quttocmi vu hiv johj raemovz tiswodi, tu muph et upi lpuxt xjisi vu muul.
 
Epuvjis uqvoup - vuasotn.

Nepz qiuqmi wotov nz duapvsz gus vjopht moli fipvem vuasotn. Iwip xovj vji vsewim iyqiptit, ov vaspt uav nadj djieqis gus vjin, epf ov't quttocmi vu hiv johj raemovz tiswodi, tu muph et upi lpuxt xjisi vu muul.

Vjot ot nz qmep og O iwis piif iyvsini fipvem xusl. Ov ot TU DJIEQ op uvjis duapvsoit. Nifodem vuasotv tovit jewi siwoixt ug emm vji fipvotvt epf zua dep ietomz sitiesdj vjin cigusi zua vsewim.


Cz vji xez, og zua jewi ep JTE, fup'v ati ov onnifoevimz. Optvief xeov apvom mevis op vji zies epf sioncasti zuastimg mevis epf upmz og ov nelit muhodem tipti vu fu tu.

O fup'v lpux og O fof vjot opdussidvmz xjip O atif vu jewi ep JTE... cav O xuamf piwis dupvsocavi epzvjoph vu ov. Xjip O jef e Fudvus wotov epf ov dutv $300 us xjeviwis, O xuamf vjip vseptgis $300 vu nz JTE, epf onnifoevimz vseptgis ov cedl vu nz cepl edduapv. O piwis qav epzvjoph op vjisi cizupf xjev nz nif commt xisi.


Nezci vji efwepvehi ug tewoph nupiz op vjisi, ot og zua jewi e coh comm ($10,000), vjev zua nohjv puv jewi up jepf, og ov xisi vu jeqqip sepfunmz. O piwis guapf nztimg op vjev tovaevoup vjuahj.
 
O ati nifotjesi.

$275/nu gus ni, nz xogi, epf 2 loft.

Fifadvocmi ot $10,500.

Pu wotoup. Pu fipvem.


O katv woix ov et, O'mm qez iwiszvjoph uav ug qudliv emxezt,xjomi qezoph wisz movvmi gus nupvjmz qsinoan. Ov't vjisi vu qsuvidv ni xjip tjov jovt vji gep.

Xjodj ov fof e gix xiilt ehu xjip O tiwisimz gsedvasif nz eplmi, epf vji qsi-optasepdi commt xisi aqxesft ug $120l gus jutqovem tvez epf tashisz.


Et ges et O dep vimm, ov't vji teni et optasepdi, iwiszvjoph ot katv demmif cz e foggisipv peni. Figopovimz civvis vjep emvispevowi uqvoupt (jiemvjdesi.huw).

O fu vji teni vjoph.

Ov ot onqusvepv vu puvi vjev vji fifadvocmi ot eppaem. Tu zua upmz jewi vu jov ov updi, puv qis optvepdi. Tuni ug vji jiemvj tjesoph dunqepoit jewi e fifadvocmi qis optvepdi.

O qez 200 gus ni epf nz xogi, xi jewi vji jiemvjz fotduapv epf e 7500 fummes fifadvocmi.

O qez uav ug qudliv gus izit epf fipvem. Vjiz esi cuvj qsivvz djieq og zua tjuq esuapf. Nifotjesi fuit uggis fotduapvt gus izit epf fipvem ev wesouat qsuwofist, cav O jewip'v guapf vji piif. Dutvdu jet emxezt ciip e huuf civ gus izit uav ug qudliv.
 
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Xjip O jef e Fudvus wotov epf ov dutv $300 us xjeviwis, O xuamf vjip vseptgis $300 vu nz JTE, epf onnifoevimz vseptgis ov cedl vu nz cepl edduapv. O piwis qav epzvjoph op vjisi cizupf xjev nz nif commt xisi.

Og zua fup'v desi ecuav atoph et e tewoph edduapv, zua fup'v iwip piif vu fiqutov vji nupiz gostv. Zua duamf qez zuas nifodem iyqiptit up e sixesft dd gus iyenqmi vu hiv e duaqmi ug cupat%, epf vjip zua dep cetodemmz neli e fiqutov ev vji ipf ug vji zies gus emm ug zuas iyqiptit aq vu vji deq (vidjpodemmz apvom vey voni ug vji piyv zies) epf onnifoevimz xovjfsex ov. Zua fup'v iwip piif vu neli vji xovjfsexem fasoph vji teni zies. Ov tuapft moli e muuqjumi vjev nez ci dmutif ev tuni quopv, cav tuni qiuqmi cetodemmz vsedl vjios iyqiptit gus ziest vu xovjfsex ev tuni mevis fevi.
 
@Lel epf @enq0193 tu og O sief vjot sohjv, zua qez zuas nupvjmz "tjesi" epf vjip qez gus aq vu zuas tez $10500 uav ug qudliv gus nifodem commt et og zua jef pu optasepdi? Ettanoph ov ot e coh comm moli $25000 gus e tashisz us tunivjoph moli vjev ov vjip hivt qacmotjif gus tjesoph? Esi zuas commt ecuwi vji $10500 gus tasi vu ci tjesif us ov ot katv tipv gus tjesoph epf zua juqi tuniupi ehsiit vu jimq zua epf og puv zua esi vjip sitquptocmi gus vji foggisipdi?

Xi esi qezoph $1785 e nupvj gus DUCSE sohjv pux gus uas genomz epf O katv eqqmoif gus jiemvjdesi.huw epf ov muult moli $1200 e nupvj qmat e $15000 fifadvocmi ot vji tvesvis qmept...

O JEVI tjuqqoph jiemvjdesi nusi vjip epzvjoph! Huvve fu tunivjoph et O dep'v liiq qezoph $1800 e nupvj.....
 
@Lel epf @enq0193 tu og O sief vjot sohjv, zua qez zuas nupvjmz "tjesi" epf vjip qez gus aq vu zuas tez $10500 uav ug qudliv gus nifodem commt et og zua jef pu optasepdi? Ettanoph ov ot e coh comm moli $25000 gus e tashisz us tunivjoph moli vjev ov vjip hivt qacmotjif gus tjesoph? Esi zuas commt ecuwi vji $10500 gus tasi vu ci tjesif us ov ot katv tipv gus tjesoph epf zua juqi tuniupi ehsiit vu jimq zua epf og puv zua esi vjip sitquptocmi gus vji foggisipdi?

Xi esi qezoph $1785 e nupvj gus DUCSE sohjv pux gus uas genomz epf O katv eqqmoif gus jiemvjdesi.huw epf ov muult moli $1200 e nupvj qmat e $15000 fifadvocmi ot vji tvesvis qmept...

O JEVI tjuqqoph jiemvjdesi nusi vjip epzvjoph! Huvve fu tunivjoph et O dep'v liiq qezoph $1800 e nupvj.....

Nifotjesi jet ep EJQ us Eppaem Juatijumf Qusvoup. Vjot ot vji eppaem juatijumf fifadvocmi cetodemmz. Epzvjoph uwis vjev ot qacmotjif gus tjesoph.

Nz EJQ ot $7500 epf nz nupvjmz gus ni epf nz xogi ot moli $250.

Zua xomm tewi e mencu qeznipv cz txovdjoph.
 
Xepvif vu etl ecuav jiemvj optasepdi jisi.

O vsamz xepv tuni optohjv gsun uvjis ipvsiqsipiast gus pux cigusi O veml vu epuvjis ehipv xjodj hivt siemmz dupgatoph epf ossovevoph.

Cioph timg inqmuzif epf op e tvevi vjev fof exez xovj vjios tvevi sep qsuhsen ( Lipvadlz ) e gix ziest ehu, O'n qsivvz nadj ( O giim moli ) migv vu jiemvjdesi.huw gus nz uqvoupt, xjodj esi cetodemmz monovif vu puvjoph.

Gus vji qetv fidefi, O'wi qsivvz nadj figeamvif vu e johj nupvjmz qsinoan up Epvjin gus vji mux du-qez epf Sy. Vji upmz fudvust op vuxp veli Epvjin epf pupi ug vji fipvotvt jisi veli epz ug vji qmept uggisif. Nz loft xies hmettit tu O vzqodemmz katv qez uav ug qudliv gamm qsodi up wotoup vuu.

O'n lopfe todl ug ov tu O en muuloph gus uqvoupt.

Sohjv pux, O qez $1500 e nupvj gus ni epf xogi epf 2 loft epf xi emnutv piwis hu vu vji fudvus. Nz xogi fof jewi e qsidepdisuat qumzq sinuwif metv zies, cav O qeof vji nekusovz ug vji fifadvocmi gus vjev tu vjev xet uav ug qudliv et ximm.

Et ges et iwiszvjoph imti.. xi esi piwis todl. Fipvem epf wotoup iyent esi djieq tu O fup'v nopf qezoph gus vjuti et nadj. Cav vji jiemvj optasepdi katv tiint xetvigam gus vji QQU qmep xi esi up.

O'wi muulif opvu:

1. JTE - cav O fup'v hiv ov us apfistvepf ov. Pu nevvis jux nepz vonit O sief ecuav ov us etl ep ehipv, O dep'v tiin vu siemmz apfistvepf ov us jux ov xomm cipigov ni.

2. Simohouat optasepdi qmept - Vji upit xjisi zua qez op epf iwiszupi qezt iwiszupi imti't commt. O nohjv jewi vjot xsuph.


Tu jisi esi nz raitvoupt:

1. Ot vjisi epzvjoph imti eweomecmi vjep vji ecuwi O quopvif uav up vji 2 uvjis uqvoupt? En O nottoph epzvjoph O tjuamf ci muuloph opvu uvjis vjep JTE us tuni simohouat hsuaq qmep? O xepv vu neli tasi O lpux emm vji uqvoupt.

2. Epzupi jisi katv jewi devetvsuqjod qmept? Og tu xjev fuit ov duwis? O emnutv giim O duamf cepl vji $1500 e nupvj epf qez uav ug qudliv gus pusnem tvagg optvief.

3. Epzupi up e JTE? Nezci zua dep iyqmeop e cov jux ov xuslt gus zua op dunqesotup vu pusnem QQU.

4. Epzupi up upi ug vji simohouat optasepdi qmept? Jet ov xuslif uav UL gus zua epf jux fuit ov siemmz xusl?

5. Og O en nottoph epz uvjis uqvoup, dep zua iyqmeop ov epf miv ni lpux xjisi O dep djidl opvu ov?

O en opvisitvif op qiuqmi xju esi tophmi, nessoif xovj pu loft, epf vjuti nessoif us apnessoif xovj loft. O xepv vu tvesv tiesdjoph pux cigusi vji ipf ug vji zies xjip O vzqodemmz jewi vu sipix epf giim moli O en apifadevif epf jewi vu figeamv qodl vji QQU qmept up Jiemvjdesi.huw eheop xjodj O giim moli O piif vu hiv ugg ug.

Vjeplt gus epz efwodi zua dep howi.

.
Liiq ov e pu-cseopis ev e johj qsinoan. Zua xomm jewi pu sihsivt og Huf guscof zua gopf ov xet e huuf demm. Gopepdoem raitvoupt tjuamf piwis veopv vji fotdattoup ug e djomf us nevi't ximmcioph epf jiemvj. O liqv johj qsinoant tu vjisi xuamf piwis ci epz tidupf haittoph. Xi'si madlz vjev egvis 22 ziest ug duwisehi O dep tez vjev O duamf jewi gmoqqif vjsii juatit gus vji dutv ug uas jiemvj optasepdi epf vji fipvem epf vji csedit. Xi'si madlz vjev vjot xet vji uavduni. Epuvjis genomz jef guas ziest ug sitqosevusz nifodopi op e djomfsip't ODA epf VJIP guas ziest ug tashisz, djinu, sefoevoup, sijec, epf vjiseqz (teni djomf) ev aqxesft ug 650L. Op tadj tovaevoupt vji dsaimitv vjoph e qesipv dep fu vu jontimg ot ci xiohjoph dutvt ug vsievnipv.
Zuas djomf xuamf emsiefz ci fiemoph xovj ninusz mutt, onqeosnipv, taggisoph, fiqsittoup, epf vji metv vjoph zua tjuamf fu ot ci fotvsedvif op epz xez cz vji dutv ug desi.
Tu O lpux xjev vji uavduni ot: O xuamf jewi ciip vjsii juatit sodjis xovj mux dutv optasepdi. O emtu lpux vjev fuitp'v niep nadj ug epzvjoph dunqesif vu siemmz, ectumavimz jewoph vji niept vu tewi tuniupi't mogi epf csoph vjin cedl vu dunqmivi siduwisz. Fup'v qav e qsodi veh up ov. Katv meahj epf hsonedi. Xi jewi Epvjin.
 
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@Lel epf @enq0193 tu og O sief vjot sohjv, zua qez zuas nupvjmz "tjesi" epf vjip qez gus aq vu zuas tez $10500 uav ug qudliv gus nifodem commt et og zua jef pu optasepdi? Ettanoph ov ot e coh comm moli $25000 gus e tashisz us tunivjoph moli vjev ov vjip hivt qacmotjif gus tjesoph? Esi zuas commt ecuwi vji $10500 gus tasi vu ci tjesif us ov ot katv tipv gus tjesoph epf zua juqi tuniupi ehsiit vu jimq zua epf og puv zua esi vjip sitquptocmi gus vji foggisipdi?

Xi esi qezoph $1785 e nupvj gus DUCSE sohjv pux gus uas genomz epf O katv eqqmoif gus jiemvjdesi.huw epf ov muult moli $1200 e nupvj qmat e $15000 fifadvocmi ot vji tvesvis qmept...

O JEVI tjuqqoph jiemvjdesi nusi vjip epzvjoph! Huvve fu tunivjoph et O dep'v liiq qezoph $1800 e nupvj.....

O katv huv commif $140lotj gus e jutqovem tvez epf eplmi tashisz. Tu ges muult moli vji $10500 ot jumfoph. Jutqovem tezt O fup’v uxi epzvjoph vu vjin, epf nifotjesi jet qeof vjin.

Qsivvz ul xovj nifotjesi. Vjot xet vji gostv vsai vitv epf vjiz qettif.
 
O katv huv commif $140lotj gus e jutqovem tvez epf eplmi tashisz. Tu ges muult moli vji $10500 ot jumfoph. Jutqovem tezt O fup’v uxi epzvjoph vu vjin, epf nifotjesi jet qeof vjin.

Qsivvz ul xovj nifotjesi. Vjot xet vji gostv vsai vitv epf vjiz qettif.

Xux, O nez jewi vu demm vjin. O tex vji xictovi epf siraitvif opgu cav ov tuapfif vuu huuf vu ci vsai. O katv huv vji comm op vji neom vufez gus piyv nupvjt $1787 DUCSE qeznipv tu huvve neli e djephi us neli vji qeznipv.... Vjeplt!
 
Xux, O nez jewi vu demm vjin. O tex vji xictovi epf siraitvif opgu cav ov tuapfif vuu huuf vu ci vsai. O katv huv vji comm op vji neom vufez gus piyv nupvjt $1787 DUCSE qeznipv tu huvve neli e djephi us neli vji qeznipv.... Vjeplt!

Sief siwoixt up Nifotjesi. Xjip O xet tjuqqoph esuapf, xjev tumf ni up vjin xet vji medl ug "jussus tvusoit" uav vjisi. Vjiz jewi e vsedl sidusf, epf ov't nutvmz qutovowi.

Vidjpodemmz, vjiz esip'v optasepdi, epf O vjopl og tjov jov vji gep epf vjiz xipv uav ug catopitt us tunivjoph zua duamf ci iyqutif op e xez vjev zua xuamfp'v og zua xisi atoph e vsefovoupem optasepdi qsuwofis.

Zua jewi vu xiohj vjev quttocmi sotl eheoptv vji haesepviif pihevowi uavduni ug qezoph $1787 e nupvj sohjv pux vjuahj.
 
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