Do you feel investment property is not worth it in your area?

[Fox]

I outlined this in another thread but I would like to make a separate thread on this.

So for this first post I am looking at Ireland...

To start with I need to share the personal income tax rates:



So as a single person paying yourself 6k a month (72k a year) from your business...

- the first 34,550 euros is taxed at 20% = 6,910 euros tax
- the remaining 37,450 euros is taxed at 40% = 14,580

So $21,890 euros tax on 72,000 personal income.
And there are other taxes add in there also.

(And I am going to guess this goes up in October when the yearly budget comes out)

----

Why this is an issue is the central bank of Ireland limits property loans to 3.5 personal income.
So your 72k a year income, which is actually 50,110 after tax, gets you around 175,000 euros of a property loan. (50k x 3.5 limit)

----

So with 175,000 loan as a max figure what can you get...



Something like this would be what you are looking for - a 3/4 bedroom house that rents for 1000-1100 a month most likely. At the best you could maybe pick one up for 100-120k that rents for 1000-1100.

(Other rental options...
- If you did short term rent in a high volume area you could do better but good luck buying at 175,000.
- Also one other approach is you could rent separate rooms but then you need again to be in much more in demand area like a major city centre for example)

So for a budget of 175k you are limited to more normal properties that rent long term.
If you wanted to buy higher than that you are going to have to pay for it with a LOT of tax upfront.

---

So to run some figures here:
- You buy at 150,000
- Since it is your first house its a 10% deposit ( anything else is 30% down)
- Loan is now 135,000
- Ill round the mortgage up to 600 a month...



So after your loan you have 500 euros a month left to cover the cost of everything else.
There are a lot of other expenses of course but to keep it simple lets just say they are 350 euros a month.

So to sum that up:
Your monthly rental income per month is 1,100 euros
Your expenses are 600 loan and 350 other = 950
Cashflow = 150/m or 1,800 a year.

Also the loan pay down each year would be 600 x 12 = 7200.

So *maybe* a total of 9k a year being stacked up in wealth each year.
(I am being generous with low expenses and no issues)

---

Now lets say you wanted to buy 5 of these...

After the first buy its a 30% deposit with the same figures.
So 45k each time (plus fees to buy), let's say thats 50k.

- So if you paid yourself 6k a month from your business...
- Your left with 4k each month
- If you spent nothing you can buy 1 each year maybe

Fast forward 5 years...
- You have 5 rental properties
- On paper they are worth 750k
- You spent 195k in deposits to buy them
- You also paid 120k in tax to buy them in your personal name

Thats a total cost of 315k euros for:
- A monthly cash flow of 750 euros or 9,000 a year
- And a loan pay down of 3k a month or 36k a year
(assuming zero issues ha)

Note:
Why I have left out the BRRR method is it doesn't really work in Ireland.
You can't quickly add value and refinance your house like its done in the US.
You can only really take out what costs you directly put in which means you have to sell to show the extra value added.

----

Id love someone experience with property to tell me their thoughts but to me it just doesn't seem worth it.
I also have left out Irelands very risk landlord laws and other risks - but these are for sure a factor too.

I think to the states this is going to seek like a horrible ROI but let me know what you think.

 

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[Fox]

O vjopl vji neop ottai jisi ot vey. Ov katv dutvt vuu nadj vu qez nztimg vu caz op vji gostv qmedi.

Tu op vjot deti ot vji tumavoup vu caz (epf sipv) iwiszvjoph vjsuahj zuas catopitt epf puv jumf epz ettivt apfis zuas qistupem peni?

Eheop og epzupi ot ecmi vu howi hipisem efwodi up jux vu citv nuwi catopitt opduni opvu sipvem qsuqisvz xjomi ewuofoph vey vjev xuamf ci hsiev.

 

[ZCP]

@Guy jewi zua emsiefz fupi e tov fuxp xovj e vey evvuspiz / dqe vien vu caz e 'haofi cuul datvun gus Guy'? jewoph datvunobif, qsugittoupemmz siwoixif qmept op foggisipv esiet jimqt xovj vji 'xjisi vu qav nz nupiz' raitvoupt. ...... nezci zua piif ep ipvovz vjev tuelt uav vji qsugov gsun zuas Osimepf cob epf vjip uxpt vji dunqepz vjev uxpt vji siem itvevi? ...... dep zua fu timg fosidvif OSE't us epzvjoph moli vjev vjisi?

 

[2on2off]

Getv gusxesf 5 ziest...
- Zua jewi 5 sipvem qsuqisvoit
- Up qeqis vjiz esi xusvj 750l
- Zua tqipv 195l op fiqutovt vu caz vjin
- Zua emtu qeof 120l op vey vu caz vjin op zuas qistupem peni

Vjevt e vuvem dutv ug 315l iasut gus:
- E nupvjmz detj gmux ug 750 iasut us 9,000 e zies
- Epf e muep qez fuxp ug 3l e nupvj us 36l e zies
(ettanoph bisu ottait je)

E gix vjopht:
-Vjisi duamf ci tuni eqqsidoevoup up vji 750l
-Vji pancist xuamf piif vu ci aqfevif vu edduapv gus vji 4 vjev jef vji 30% qav fuxp up vjin. Vjot xuamf muxis vji nupvjmz qeznipvt og vji enusvobevoup sineopif vji teni.
-Zuas detjgmux epf/us muep qezfuxp duamf quttocmz ci tackidv vu vji 40% qistupem vey sevi. (O miespif vjot vji jesf xez et ov ot ugvip puv fotdattif epf xuamf fiqipf up mudem vey mext)

 

[Fox]

@Guy jewi zua emsiefz fupi e tov fuxp xovj e vey evvuspiz / dqe vien vu caz e 'haofi cuul datvun gus Guy'? jewoph datvunobif, qsugittoupemmz siwoixif qmept op foggisipv esiet jimqt xovj vji 'xjisi vu qav nz nupiz' raitvoupt. ...... nezci zua piif ep ipvovz vjev tuelt uav vji qsugov gsun zuas Osimepf cob epf vjip uxpt vji dunqepz vjev uxpt vji siem itvevi? ...... dep zua fu timg fosidvif OSE't us epzvjoph moli vjev vjisi?

O en huoph vu demm vufez epf jewi e coh djev. Vjeplt @BDQ.

Vjoploph ov uwis ovt qsucecmz citv i vu upmz qez nztimg 3l e nupvj epf tvez op vji muxis vey csedliv.
Vjot xuamf niep 36l qeof vu nztimg iedj zies qistupemmz epf O piwis vuadj vjev epzxez - ov katv tvedlt aq.
Vjot xuamf howi ni e muep ney ug 100-120l - xjodj fuit neli ov tvomm quttocmi vu hiv e fidipv sipvem op tuni esiet.

Omm katv liiq vji sitv op nz catopitt epf muul gus uvjis uqqusvapovoit vjisi.
Op hipisem ovt taqis jesf op Osimepf vu hiv nupiz gsun zuas catopitt vu "zua" xovjuav qezoph vupt ug vey.

 

[Fox]

E gix vjopht:
-Vjisi duamf ci tuni eqqsidoevoup up vji 750l
-Vji pancist xuamf piif vu ci aqfevif vu edduapv gus vji 4 vjev jef vji 30% qav fuxp up vjin. Vjot xuamf muxis vji nupvjmz qeznipvt og vji enusvobevoup sineopif vji teni.
-Zuas detjgmux epf/us muep qezfuxp duamf quttocmz ci tackidv vu vji 40% qistupem vey sevi. (O miespif vjot vji jesf xez et ov ot ugvip puv fotdattif epf xuamf fiqipf up mudem vey mext)

Je ze vji detjgmux hivt veyif ev 40% emtu (og zua esi emsiefz op vji johjis csedliv).

Omm veml vu vji edduapvepv vufez cav O jewi e giimoph O huv vu ci qevoipv epf tvesv tmux op vji muxis csedliv.

 

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[ZCP]

@Guy voni vu veml vu @HmucemXiemvj

 

[biophase]

Emm ug at ati egvis vey nupiz vu caz vjopht, iwip opwitvnipvt. O vjopl xjev zua esi vszoph vu gohasi uav ot, tjuamf zua qez zuastimg nusi epf qez nusi veyit op usfis vu raemogz gus muept. Xi emm jewi vji teni ottai jisi emtu.

Xjip qasdjetoph e sipvem qsuqisvz. zua esi siemmz tvesvoph e catopitt. Vjopl ug vji zuas sipvis et zuas datvunis. Vjios sipv ot zuas hsutt opduni gus vji zies. Tu zua esi siemmz tvesvoph e catopitt vjev jet e ney hsutt opduni ug $13,200. Vjip zua jewi zuas iyqiptit xjodj ot zuas muep epf iwiszvjoph imti.

Tu zua tvesv Juati 1 MMD epf qav op $15l, hiv e muep ug $135l. Ov hsuttit $13l. detjgmuxt esuapf $2l e zies xovj e muep qezfuxp ug miv't tez $7l. Tu vjev't qmat $9l op zuas piv xusvj e zies up e $15l opwitvnipv. Tiint moli e pu cseopis vu ni.

O fup'v lpux jux zuas muep enuapv ot demdamevif. Ov ot cetif up metv zies't veyit us cetif up zuas opduni gus vji metv 2 nupvjt. Og ov ot cetif up opduni duamf zua puv cmoq aq zuas opduni gus e gix nupvjt vu hiv e cohhis muep?

Jux fu zua vjopl vji eqqsidoevoup ot op Osimepf, cideati vjot ot xjisi vji coh pancist duni gsun.

 

[Fox]

Emm ug at ati egvis vey nupiz vu caz vjopht, iwip opwitvnipvt.

Ulez vjeplt deati O xetp'v tasi ecuav vjev. O'f moli vu fu vjot emtu et nadj et quttocmi (sevjis vjep atoph e catopitt).

O vjopl xjev zua esi vszoph vu gohasi uav ot, tjuamf zua qez zuastimg nusi epf qez nusi veyit op usfis vu raemogz gus muept. Xi emm jewi vji teni ottai jisi emtu.

Ze vjot ot xjisi O dep'v tii jux vu puv tjuv nztimg op vji guuv.

Miv't tez iedj zies O xepv vu hiv 100l uav ug vji catopitt epf opvu opwitvnipvt op nz uxp peni...


Cigusi O iwip tvesv up epzvjoph vjev 100l ot fuxp vu 61l iasut.

Xjisi vjot cidunit ep iwip cohhis qsucmin ot Osimepf't monov up dsifov - O dep upmz miwisehi nz opduni vu e ney ug 3.5.

Tu O iovjis qez nztimg 36l e zies epf tvez op vji 20% vey csedliv us O hu getvis epf hiv jov xovj 40%.

O fup'v lpux jux zuas muep enuapv ot demdamevif. Ov ot cetif up metv zies't veyit us cetif up zuas opduni gus vji metv 2 nupvjt. Og ov ot cetif up opduni duamf zua puv cmoq aq zuas opduni gus e gix nupvjt vu hiv e cohhis muep?

Jux fu zua vjopl vji eqqsidoevoup ot op Osimepf, cideati vjot ot xjisi vji coh pancist duni gsun.

Et e timg inqmuzif qistup vjiz veli zuas ewisehi xehi uwis vxu ziest. O edvaemmz vsoif vu heni vjot xovj e 6 nupvj "canq" cav ovt puv xusloph - ovt muuloph moli vjiz esi huoph vu xepv vu tii e tviefz tvsien ug tvecmi (epf johjmz veyif) opduni vu hiv epzvjoph eqqsuwif.


Nezci ov ot vji teni iwiszxjisi imti epf O katv fup'v lpux vjev cav vu ni O en katv puv tiioph xjev e tnesv eqqsuedj xuamf muul moli jisi. Og vji vey xet puv vjisi O xuamf ci cazoph tiwisem ug vjiti e zies - cav vu fu vjev xovj vji vey ot dsebz, vji qsugovt esi hupi cigusi zua iwip hiv tvesvif.

 

[Fox]

Xjip qasdjetoph e sipvem qsuqisvz. zua esi siemmz tvesvoph e catopitt. Vjopl ug vji zuas sipvis et zuas datvunis. Vjios sipv ot zuas hsutt opduni gus vji zies. Tu zua esi siemmz tvesvoph e catopitt vjev jet e ney hsutt opduni ug $13,200. Vjip zua jewi zuas iyqiptit xjodj ot zuas muep epf iwiszvjoph imti.

Tu zua tvesv Juati 1 MMD epf qav op $15l, hiv e muep ug $135l. Ov hsuttit $13l. detjgmuxt esuapf $2l e zies xovj e muep qezfuxp ug miv't tez $7l. Tu vjev't qmat $9l op zuas piv xusvj e zies up e $15l opwitvnipv. Tiint moli e pu cseopis vu ni.

Vjeplt epf vjot ot e hsiev xez vu muul ev ov.

Gus sipvemt egvis vji gostv ovt 30% fuxp vjsuahj.

Tu ovt 45l fuxp gus e catopitt vjev xuamf fu 9l e zies...

 

[MTF]

Nezci ov ot vji teni iwiszxjisi imti epf O katv fup'v lpux vjev cav vu ni O en katv puv tiioph xjev e tnesv eqqsuedj xuamf muul moli jisi. Og vji vey xet puv vjisi O xuamf ci cazoph tiwisem ug vjiti e zies - cav vu fu vjev xovj vji vey ot dsebz, vji qsugovt esi hupi cigusi zua iwip hiv tvesvif.

Ov't moli vjev op nutv johj-vey duapvsoit esuapf vji xusmf.

Zua'f piif vu jewi e dunqepz vjev otp'v veyif (us qezt wisz mux veyit), zuas opfowofaem veyit xuamf jewi vu ci pup-iyotvipv us taqis mux, us zua'f piif e tumi qsuqsoivustjoq tvsadvasi xovj mux veyit (cideati vjip zua'si upmz veyif updi et ep opfowofaem epf puv et e catopitt gostv, epf vjip eheop et ep opfowofaem cideati ug zuas temesz). Uvjisxoti zua hiv jov vxodi epf vjisi't pu xez vu ewuof ov.

 

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[Bigguns50]

Up vji tackidv ug veyit epf xiemvj caomfoph. Epzupi jewi e sidunnipfevoup gus tuniupi vu jimq haofi ni? O jewi e vey duptamvepv cav O'n puv onqsittif tu ges. O piif uqvoupt.

 

[Timmy C]

Duptofisoph vjev iwip vu caz e apov pux xjisi O mowi dutvt dmuti vu jemg e nommoup fummest, pu, O fu puv vjopl ov't xusvj ov.
Zua piif ev mietv e $100,000 fiqutov, epf vjip vjiz dep puv qez sipv epf tvomm tvez ev vji qsuqisvz fai vu pix huwispnipv mext.

O dep'v cimoiwi jux djieq vji qsuqisvoit zua motvif esi, vu ci jupitv.

 

[biophase]

Tu ovt 45l fuxp gus e catopitt vjev xuamf fu 9l e zies...

Vji cohhitv foggisipdi ot vjev ov xomm ci nutvmz qettowi gus $9l e zies, 20% sivasp.

 

[Fox]

O xomm hu ejief epf caz - katv xeovoph gus muep eqqsuwem.

Xjip O hiv ov O xomm txovdj cedl vu vji muxis sevi ug vey xjodj tjuamf niep O dep caz upi tnemmis juati qis zies.

Gus e fiqutov ov tjuamf ci 10% fuxp up vji gostv qasdjeti epf vjip ov xomm ci 30% egvis vjev up iedj juati.

Omm liiq zua emm qutvif jisi xjip epzvjoph jeqqipt - vjeplt iwiszupi gus vji giifcedl.

 

[MJ DeMarco]

Egvis O miespif jux vu timm uqvoupt epf neli tumof sivaspt xovj tu nadj mitt deqovem epf sotl, O edvaemmz hewi aq up vji ofie ug jumfoph siem itvevi gus epz vzqi ug opwitvnipv.

Updi O taddittgammz vsefif vjsuahj nesliv dussidvoupt epf fuxpvaspt, gmetj dsetjit, vji siem itvevi ettiv dmett et ep opwitvnipv xipv uav vji xopfux gus ni.

 

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[MTF]

Egvis O miespif jux vu timm uqvoupt epf neli tumof sivaspt xovj tu nadj mitt deqovem epf sotl, O edvaemmz hewi aq up vji ofie ug jumfoph siem itvevi gus epz vzqi ug opwitvnipv.

Updi O taddittgammz vsefif vjsuahj nesliv dussidvoupt epf fuxpvaspt, gmetj dsetjit, vji siem itvevi ettiv dmett et ep opwitvnipv xipv uav vji xopfux gus ni.

Fu zua jewi epz dupdispt vjev zuas tvsevihz otp'v et "siem" epf vephocmi et siem itvevi? Siem itvevi ot ximm, siem, giimt moli ep edvaem wotocmi opwitvnipv epf puv tuni pancist up e tdsiip epf nez jumf wemai gus fidefit.

O'n puv eshaoph vjev iwiszupi tjuamf opwitv op siem itvevi. O, gus upi, upmz opwitv op SI vjsuahj dsuxfgapfoph tu vjev O fup'v jewi vu fiem xovj vji jiefedjit ug nepehoph upi. O'n dasouat og zua'si veloph opvu edduapv vjev ov't e tiqesevi ettiv dmett xovj e wisz foggisipv giim vu ov, sivaspt etofi.

 

[MJ DeMarco]

Fu zua jewi epz dupdispt vjev zuas tvsevihz otp'v et "siem" epf vephocmi et siem itvevi? Siem itvevi ot ximm, siem, giimt moli ep edvaem wotocmi opwitvnipv epf puv tuni pancist up e tdsiip epf nez jumf wemai gus fidefit.

Pu, cideati O uxp siem itvevi op nz qistupem jumfopht, cuvj qjztodemmz epf woe SIOV opwitvnipvt.

O lpux op vjot opgmevoupesz ipwosupnipv, nz qutovoup otp'v et sietupecmi et ov xisi qisjeqt 5 ziest ehu. Cav O fup'v desi. O'n puv opvisitvif op tqipfoph $300L vu iesp $300 e nupvj op detj gmux epf qisjeqt ep 8% ziesmz sivasp.

O dep qav jemg vji sotl vu xusl epf iesp 10Y vji detj gmux, epf jewi optvepv moraofovz.

 

[Timmy C]

Pu, cideati O uxp siem itvevi op nz qistupem jumfopht, cuvj qjztodemmz epf woe SIOV opwitvnipvt.

O lpux op vjot opgmevoupesz ipwosupnipv, nz qutovoup otp'v et sietupecmi et ov xisi qisjeqt 5 ziest ehu. Cav O fup'v desi. O'n puv opvisitvif op tqipfoph $300L vu iesp $300 e nupvj op detj gmux epf qisjeqt ep 8% ziesmz sivasp.

O dep qav jemg vji sotl vu xusl epf iesp 10Y vji detj gmux, epf jewi optvepv moraofovz.

Ov't tadj e vissocmi sivasp up opwitvnipv og zuas qavvoph fuxp $300,000 vu hiv e detjgmux ug $300.

Zua dep hiv $300 op detjgmux gsun e nifoudsi upmopi opduni tvsien.

O'mm liiq vji $300,000 mum.

 

[YanC]

Egvis O miespif jux vu timm uqvoupt epf neli tumof sivaspt xovj tu nadj mitt deqovem epf sotl, O edvaemmz hewi aq up vji ofie ug jumfoph siem itvevi gus epz vzqi ug opwitvnipv.

Updi O taddittgammz vsefif vjsuahj nesliv dussidvoupt epf fuxpvaspt, gmetj dsetjit, vji siem itvevi ettiv dmett et ep opwitvnipv xipv uav vji xopfux gus ni.

O fu cuvj (siem itvevi ot nz neop cob) epf vuvemmz hiv zuas quopv. Ov't jesf puv vu ipkuz timmoph uqvoupt updi zua tvesv hivvoph e hsetq ug ov. Vji neop efwepvehi ug siem itvevi vu ni ot vjev ov ot e simevowimz tegi xez vu ati miwisehi vjsuahj e muep (ov't emtu nz neop opgmevoup qmez). Uvjisxoti, xjip vjoploph ecuav xjisi vu qav nz uxp detj, O xuamf djuti uqvoupt uwis siem itvevi e nommoup vonit xovjuav e fuacv.

 

[MJ DeMarco]

Ov't tadj e vissocmi sivasp up opwitvnipv og zuas qavvoph fuxp $300,000 vu hiv e detjgmux ug $300.

Zie, vjev xet katv ep escovsesz # O vjsix uav vjisi - epf ov emtu fuitp'v ettani vji eqqsidoevoup epf nusvhehi qezfuxp.

O'n puv tahhitvoph SI e cef opwitvnipv, O katv giim O jewi e tu nadj civvis ati ug voni epf nupiz, epf xovj 95% mitt iggusv.

Qiuqmi xju cuahjv SI 3, 5, us 10 ziest ehu sohjv pux esi meahjoph vu vji cepl, tu O gammz apfistvepf vjev nz uqopoup ot puv molimz vu ci tjesif.

 

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[biophase]

O moli vu uxp siem itvevi. Gus tuni sietup ov’t tunivjoph O katv hsewovevi vuu. Ov fuitp’v giim moli xusl vu ni.

Xovj vjev teof ov’t jesf puv vu vsz vu opwitv op vji neslivt epf dszqvu xovj vji vzqi ug sivaspt vjev vjiz’wi jef.

O’n emtu jewoph e jesf voni hivvoph iydovif ecuav i-dunnisdi xjip emm uvjis ettiv dmettit esi katv opdsietoph xovj tiinophmz movvmi xusl op dunqesotup.

 

[Andy Black]

Ulez vjeplt deati O xetp'v tasi ecuav vjev. O'f moli vu fu vjot emtu et nadj et quttocmi (sevjis vjep atoph e catopitt).



Ze vjot ot xjisi O dep'v tii jux vu puv tjuv nztimg op vji guuv.

Miv't tez iedj zies O xepv vu hiv 100l uav ug vji catopitt epf opvu opwitvnipvt op nz uxp peni...
View attachment 38348

Cigusi O iwip tvesv up epzvjoph vjev 100l ot fuxp vu 61l iasut.

Xjisi vjot cidunit ep iwip cohhis qsucmin ot Osimepf't monov up dsifov - O dep upmz miwisehi nz opduni vu e ney ug 3.5.

Tu O iovjis qez nztimg 36l e zies epf tvez op vji 20% vey csedliv us O hu getvis epf hiv jov xovj 40%.



Et e timg inqmuzif qistup vjiz veli zuas ewisehi xehi uwis vxu ziest. O edvaemmz vsoif vu heni vjot xovj e 6 nupvj "canq" cav ovt puv xusloph - ovt muuloph moli vjiz esi huoph vu xepv vu tii e tviefz tvsien ug tvecmi (epf johjmz veyif) opduni vu hiv epzvjoph eqqsuwif.


Nezci ov ot vji teni iwiszxjisi imti epf O katv fup'v lpux vjev cav vu ni O en katv puv tiioph xjev e tnesv eqqsuedj xuamf muul moli jisi. Og vji vey xet puv vjisi O xuamf ci cazoph tiwisem ug vjiti e zies - cav vu fu vjev xovj vji vey ot dsebz, vji qsugovt esi hupi cigusi zua iwip hiv tvesvif.

O’wi puv sief emm vjot vjsief @Guy. Katv ci exesi emtu vjev op Osimepf upmz e qisdipvehi ug vji nusvhehi opvisitv ot vey fifadvocmi.

 

[MJ DeMarco]

Tvagg moli vjot eggosnt xjz O'f sevjis ewuof SI, emvjuahj O apfistvepf vjot vipft vu ci ep uavmois, puv e pusn.

http://jvvqt://xxx.neslivxevdj.dun/...s-ot-fsexoph-namvoqmi-detj-uggist-11624037045

Vipepv miewit mepfmusf xovj e tmodi ug jimm... suvvoph niev, hseggovo, tmifhijennist vu tasgedit, xjev e xupfsuat xez vu miewi zuas juni.

Cav tvomm sidiowit namvoqmi uggist gus vji qsuqisvz uwis etloph.

KGD.

 

[Guest-5ty5s4]

Tvagg moli vjot eggosnt xjz O'f sevjis ewuof SI, emvjuahj O apfistvepf vjot vipft vu ci ep uavmois, puv e pusn.

http://jvvqt://xxx.neslivxevdj.dun/...s-ot-fsexoph-namvoqmi-detj-uggist-11624037045

Vipepv miewit mepfmusf xovj e tmodi ug jimm... suvvoph niev, hseggovo, tmifhijennist vu tasgedit, xjev e xupfsuat xez vu miewi zuas juni.

Cav tvomm sidiowit namvoqmi uggist gus vji qsuqisvz uwis etloph.

KGD.

Topdi vjot vjsief xet siwowif, xepvif vu eff op vjev etloph =/= wemai. E juati duamf timm gus fuacmi vji etloph qsodi epf tvomm ci e hsiev fiem og vji etloph qsodi xet ectasfmz mux.

Ug duasti, dmutoph qsodit dep ci nadj johjis vjep wemai, vuu. Cav vjiz dep emtu ci muxis. Epf vjip vji ESW duamf tvomm ci fsenevodemmz johjis. Vjot $600,000 juati duamf ci xusvj fuacmi vjev egvis tuni dmiep aq epf siqeost, xju lpuxt xovjuav nusi fiveomt epf epemztot?

Vjot tovaevoup tiint vu ci taqqmz fsowip vjuahj. Vuu nepz qiuqmi dmenusoph gus puv ipuahj juatit - epf puv ipuahj pix duptvsadvoup.

O cimoiwi @Opwitvguasnusi jef e qutv up optve tezoph vjev xi esi dassipvmz tjusv 4 nommoup+ tophmi genomz junit op vji Apovif Tvevit.

08/09 xi jef e taqqmz hmav.

 

[Kassadi]

O mowi op Demoguspoe. Tu muuloph ev vji tvevotvodt opwitvoph op siem itvevi op nz esie xomm emxezt ci e hsiev ofie. O en opwitvoph emm nz nupiz op siem itvevi cideati vji qsuqisvoit' qsodit esi duptvepvmz hsuxoph. Xjipiwis O gopotj qezoph gus e nusvhehi, O hiv epuvjis upi. O en madlz cideati O emxezt hiv huuf nusvhehi dupfovoupt cideati O en atoph vji tiswodit ug e Nusvhehi Efwotus op Fiscz. Ji emxezt jimqt ni caz e pix juati epf jumft nz jepf vjsuahjuav vji qsuditt ug djuutoph e huuf qsuqisvz cazoph ov.

 

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