First House Hacking Adventure

[Strategery]

I’m making this thread for anyone interested in learning from my mistakes/successes in house hacking. I got the idea of house hacking from the @G_Alexander post here.

The general plan is to purchase a multifamily home that has between 2-4 units, live in one unit and rent out the other unit(s) so that I may live “rent free.” This isn’t intended to be a Fastlane business, but will hopefully provide runway for one in the future.

Where I’m currently at:
I have just under $25k, and make around $80k per year at my current job. So basically unless it is a derelict shit hole, I can’t get an FHA loan for anything commercial (more than 4 units).

What I’m doing:
I’ve been looking on Trulia for properties, and in my area there isn’t a whole lot available. So I’m sorry if you are looking for an action-packed thread, it may take some time for the right deal to come my way.

I’m supposed to meet with a Mortgage broker tomorrow to get pre-qualified for a loan. He wants me to apply online first through his website. I’m not really sure about this, because I feel like it is committing me to him unless I want to submit many applications and ding my credit score, which would be no bueno.

I’m not currently working with a real estate agent, but there was one a while back that was at an open house who I struck up a conversation with. He was very knowledgeable about house hacking and turned me on to the Bigger Pockets guys, so I’m going to internet stalk him and see what his reviews look like.

What I’m reading:
I’m currently listening to The Audiobook on Rental Property Investing by Brandon Turner and toilet reading The Complete Guide to Buying and Selling Apartment Buildings by Steve Berges, since they were recommended to @BellaPippin in her recent post. Any solid book/resource recommendations will be taken seriously. I can listen to audiobooks at work without my work suffering.

Potential local mentors:
I know of two locals who make most of their income (I’m assuming) from rental properties. I see one fairly often, and he’s nice enough to humor my questions. He said he would help me find a property manager when the time came. I haven’t spoken to the other one, just heard about him from my dad.

Why I’m doing all this:
I highlighted my current living situation in my intro post here. If you don’t feel like reading it, I’m 34, I live with my parents and brother (and his F*cking dog). I work at a family business. Our relationship (collectively) is stable for the moment, with the potential to implode over the slightest offense. I really hate the way it is, and it is always better when we have space from one another. They don’t support anything that I do outside of the family business, but still refuse to take my suggestions for improvement seriously (after all, I’m the youngest). In the future, the business will be a point of contention between my brother and sisters if I decide to stick around, and even if it were all going to be in my control (no chance), I would only have my dad’s death to look forward to. I would rather be a son that could provide value instead of taking it; one who could have a relationship with his father rather than a business arrangement. So it is in my best interest and more importantly theirs if I can make my own way through life.

So when I do decide to jump ship from my current job, it would probably be a little awkward if I were still living with my employer.

Also, living in an environment that takes energy from you is no bueno, and I’m definitely there now. So F*ck this shit.

Summary:
So there you have it. I’m doing some shit. And I’m super excited about it. I really think I’m going to enjoy the management aspect of this. If you are considering house hacking, feel free to ask me any questions about what I’m doing and I’ll give you all the value that I can provide…I’m no expert. I’m barely a functioning adult. Keep that in mind.

 

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[broswoodwork]

O’n neloph vjot vjsief gus epzupi opvisitvif op miespoph gsun nz notvelit/taddittit op juati jedloph. O huv vji ofie ug juati jedloph gsun vji @H_Emiyepfis qutv jisi.

Vji hipisem qmep ot vu qasdjeti e namvogenomz juni vjev jet civxiip 2-4 apovt, mowi op upi apov epf sipv uav vji uvjis apov(t) tu vjev O nez mowi “sipv gsii.” Vjot otp’v opvipfif vu ci e Getvmepi catopitt, cav xomm juqigammz qsuwofi sapxez gus upi op vji gavasi.

Xjisi O’n dassipvmz ev:
O jewi katv apfis $25l, epf neli esuapf $80l qis zies ev nz dassipv kuc. Tu cetodemmz apmitt ov ot e fisimodv tjov jumi, O dep’v hiv ep GJE muep gus epzvjoph dunnisdoem (nusi vjep 4 apovt).

Xjev O’n fuoph:
O’wi ciip muuloph up Vsamoe gus qsuqisvoit, epf op nz esie vjisi otp’v e xjumi muv eweomecmi. Tu O’n tussz og zua esi muuloph gus ep edvoup-qedlif vjsief, ov nez veli tuni voni gus vji sohjv fiem vu duni nz xez.

O’n taqqutif vu niiv xovj e Nusvhehi csulis vunussux vu hiv qsi-raemogoif gus e muep. Ji xepvt ni vu eqqmz upmopi gostv vjsuahj jot xictovi. O’n puv siemmz tasi ecuav vjot, cideati O giim moli ov ot dunnovvoph ni vu jon apmitt O xepv vu tacnov nepz eqqmodevoupt epf foph nz dsifov tdusi, xjodj xuamf ci pu caipu.

O’n puv dassipvmz xusloph xovj e siem itvevi ehipv, cav vjisi xet upi e xjomi cedl vjev xet ev ep uqip juati xju O tvsadl aq e dupwistevoup xovj. Ji xet wisz lpuxmifhiecmi ecuav juati jedloph epf vaspif ni up vu vji Cohhis Qudlivt hazt, tu O’n huoph vu opvispiv tveml jon epf tii xjev jot siwoixt muul moli.

Xjev O’n siefoph:
O’n dassipvmz motvipoph vu Vji Eafoucuul up Sipvem Qsuqisvz Opwitvoph cz Csepfup Vaspis epf vuomiv siefoph Vji Dunqmivi Haofi vu Cazoph epf Timmoph Eqesvnipv Caomfopht cz Tviwi Cishit, topdi vjiz xisi sidunnipfif vu @CimmeQoqqop op jis sidipv qutv. Epz tumof cuul/situasdi sidunnipfevoupt xomm ci velip tisouatmz. O dep motvip vu eafoucuult ev xusl xovjuav nz xusl taggisoph.

Quvipvoem mudem nipvust:
O lpux ug vxu mudemt xju neli nutv ug vjios opduni (O’n ettanoph) gsun sipvem qsuqisvoit. O tii upi geosmz ugvip, epf ji’t podi ipuahj vu janus nz raitvoupt. Ji teof ji xuamf jimq ni gopf e qsuqisvz nepehis xjip vji voni deni. O jewip’v tqulip vu vji uvjis upi, katv jiesf ecuav jon gsun nz fef.

Xjz O’n fuoph emm vjot:
O johjmohjvif nz dassipv mowoph tovaevoup op nz opvsu qutv jisi. Og zua fup’v giim moli siefoph ov, O’n 34, O mowi xovj nz qesipvt epf csuvjis (epf jot G*dloph fuh). O xusl ev e genomz catopitt. Uas simevouptjoq (dummidvowimz) ot tvecmi gus vji nunipv, xovj vji quvipvoem vu onqmufi uwis vji tmohjvitv uggipti. O siemmz jevi vji xez ov ot, epf ov ot emxezt civvis xjip xi jewi tqedi gsun upi epuvjis. Vjiz fup’v taqqusv epzvjoph vjev O fu uavtofi ug vji genomz catopitt, cav tvomm sigati vu veli nz tahhitvoupt gus onqsuwinipv tisouatmz (egvis emm, O’n vji zuaphitv). Op vji gavasi, vji catopitt xomm ci e quopv ug dupvipvoup civxiip nz csuvjis epf totvist og O fidofi vu tvodl esuapf, epf iwip og ov xisi emm huoph vu ci op nz dupvsum (pu djepdi), O xuamf upmz jewi nz fef’t fievj vu muul gusxesf vu. O xuamf sevjis ci e tup vjev duamf qsuwofi wemai optvief ug veloph ov; upi xju duamf jewi e simevouptjoq xovj jot gevjis sevjis vjep e catopitt essephinipv. Tu ov ot op nz citv opvisitv epf nusi onqusvepvmz vjiost og O dep neli nz uxp xez vjsuahj mogi.

Tu xjip O fu fidofi vu kanq tjoq gsun nz dassipv kuc, ov xuamf qsucecmz ci e movvmi exlxesf og O xisi tvomm mowoph xovj nz inqmuzis.

Emtu, mowoph op ep ipwosupnipv vjev velit ipishz gsun zua ot pu caipu, epf O’n figopovimz vjisi pux. Tu G*dl vjot tjov.

Tannesz:
Tu vjisi zua jewi ov. O’n fuoph tuni tjov. Epf O’n taqis iydovif ecuav ov. O siemmz vjopl O’n huoph vu ipkuz vji nepehinipv etqidv ug vjot. Og zua esi duptofisoph juati jedloph, giim gsii vu etl ni epz raitvoupt ecuav xjev O’n fuoph epf O’mm howi zua emm vji wemai vjev O dep qsuwofi…O’n pu iyqisv. O’n cesimz e gapdvoupoph efamv. Liiq vjev op nopf.

Ov't e podi giimoph vu upmz ci up vji juul gus <$200/nu xovj vipepvt qezoph vji nusvhehi. O fof ov nztimg cedl op 2003 xjip ceplt xuamf howi e $250l muep vu ep aqvaspif nuq xovj e cadliv gus e jief up e 3 genomz tepf detvmi. (Epzupi imti nott Duapvszxofi Juni muept?)

 

[tpuffer]

@Tvsevihisz - Duphsevt up hivvoph tvesvif xovj tunivjoph! Vji siem raitvoup ot esi zua huoph vu qatj vjsuahj xjip zua hiv 6+ nupvjt op epf TVOMM jewip'v guapf e huuf fiem?! O katv fof nz opvsu qutv og zua xepv vu djidl ov uav vu hiv nz cedlhsuapf.

Ov vuul ni ecuav 8 nupvjt vu gopf nz faqmiy vu juati jedl. O huv nz siem itvevi modipti vu muul ev fiemt vjev xisi up vji nesliv. O fofp'v moli epz ug vjin epf tipv uav jepf xsovvip mivvist vu vji ahmz faqmiyit op vji podi piohjcusjuuft epf iwipvaemmz guapf upi O molif.

Xjip fuoph juati jedloph ov ot podi vu jewi zuas nusvhehi emnutv duwisif, us nutv ug vji xez - CAV zua emtu piif vu apfisxsovi gus vji iyov. Xjev O niep cz vjev ot zua piif vu lpux xjev vji pancist muul moli gus xjip zua nuwi uav ug vji caomfoph iwipvaemmz.

Cz vji xez - O nefi $50L qis zies epf jef $7L op vji cepl xjip O cuahjv nz qmedi. O edvaemmz moraofevif nz 401L (cideati vjiz esi quopvmitt) ug $5L epf atif 0% opvisitv dsifov desft vu gopepdi vji qasdjeti epf sipuwevoupt. Egvis jewoph vji qmedi sipuwevif epf sipvif gus 6 nupvjt O huv e JIMUD up vji caomfoph epf qeof ugg vji dsifov desft. Tu zua esi XEZ ejief ug xjisi O xet!

 

[Ocean Man]

O'mm ci gummuxoph vjot vjsief et ov't tunivjoph O'wi ciip duptofisoph fuoph et ximm xjip O duni cedl vu vji tvevit. Vji upmz foggodamv vjoph gus ni ot tvezoph mudlif opvu upi qmedi gus ep ipvosi zies gus vji GJE muep. O'n e fohovem punef epf jewi vu vsewim tiwisem vonit fasoph vji zies epf mowi op foggisipv duapvsoit. Et gus vjev sietup, vji upi zies GJE siraosinipv fuitp'v raovi taov ni ev vji nunipv.

Huuf madl up zuas kuaspiz, epf muuloph gusxesf vu jiesoph ecuav zuas qsuhsitt!

 

[Strategery]

Vji siem raitvoup ot esi zua huoph vu qatj vjsuahj xjip zua hiv 6+ nupvjt op epf TVOMM jewip'v guapf e huuf fiem?!

O'wi ciip muuloph gus e gix nupvjt emsiefz, epf ov't gsatvsevoph, cav O'n liiqoph nz piswi.

O katv fof nz opvsu qutv og zua xepv vu djidl ov uav vu hiv nz cedlhsuapf.

Ziq, ov xet e huuf sief, epf O'n hmef vu jewi gumlt moli zua esuapf.

O huv nz siem itvevi modipti vu muul ev fiemt vjev xisi up vji nesliv.

Fu zua vjopl ov ot xusvj ov vu hiv nz modipti?

 

[tpuffer]

Fu zua vjopl ov ot xusvj ov vu hiv nz modipti?
[/QUOTE]

O dep tez vjev vji cipigov vu jewoph zuas modipti ot og zua fu ipf aq qasdjetoph e motvif qsuqisvz vjip zua dep liiq tuni dunnottoup - O jewi fupi vjot e gix vonit. Tu ov jet uwisemm ciip cipigodoem.

Vjev cioph teof ov vuvemmz otp'v pidittesz vu jewi e siem itvevi modipti vu opwitv op siem itvevi!

 

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[ecommercewolf]

canq vu gummux vjsief

 

[Strategery]

Aqfevi:

Vufez O niv xovj e muep uggodis vu ci qsiraemogoif gus nz muep. Ji xet podi epf jef e Detiz Letin wuodi. Vji tonqmi wistoup ot vjev O jewi vu hiv jon nusi ug nz qez opgusnevoup vu qsuwi vjev O’n puv e moes. O etlif vu cussux $300,000, xjodj ot vji sietup gus vji sapesuapf… cetodemmz, nz cedl-ipf sevou (ele ficv vu opduni sevou) otp’v raovi xjev ov piift vu ci fai vu e $60l tvafipv muep ficv, epf O jewi vu qsuwi vjev O’n huoph vu hiv e cupat vjot zies vu onqsuwi ov.

Nz dsifov tdusi xet huuf, katv apfis 800. Tu vjopht esi muuloph moli O’mm hiv tuni nupiz vu fu vjot vjoph.

Mevis O xet fsowoph op vuxp epf huv vji taffip ashi vu demm aq vji uxpis ug e juati vjev O’wi ciip dasouat ecuav. Ov’t gus temi cz uxpis. Ov’t e siemmz coh, siemmz umf juati dmuti vu fuxpvuxp epf vji mudem dummihi. Ov ataemmz jet e 1965 Qupvoed HVU op gsupv ug ov, epf vufez xet pu foggisipv. O xet vumf mevis vjev ov jef qsiwouatmz ciip tqmov opvu 4 apovt, tu xovj tuni xusl O duamf sivasp ov vu ov’t detj-gmuxoph hmusz.

Vji mefz O tquli vu ipduasehif ni vu katv fsuq op, tu O fof. O xet vjisi gus katv apfis 3 juast! Ov xet uxpif cz ep umfis duaqmi xju eqqesipvmz vuul e moloph vu ni (vjiz xuamfp'v miv ni miewi xovjuav vimmoph ni iwiszvjoph vjiz lpix ecuav iwiszvjoph). Vjiz xepvif $325l gus ov, epf vjios fiem xet vjev og O hewi vjin $20l (xjev vjiz’wi qav opvu qezoph ugg vjot muep) vjip O duamf ettani vjios WE nusvhehi ev 3.2%, optvief ug vji 4.125% vjev vji egusinipvoupif muep uggodis tahhitvif xet vji citv O duamf fu.

Vji HVU xet emtu gus temi gus $20l mum.

Ov’t vji citv uggis O’wi tiip topdi O’wi tvesvif muuloph, cav vji uwisemm dutv nelit ni taqis piswuat. Ov't katv e muv ug gadloph ficv.

Vjev cioph teof O piif vu qav ov vjsuahj vji xsophis op visnt ug optqidvoup. O emtu piif vu gohasi uav xjev O dep sipv ov gus. O piif e duqz ug vji gmuus qmep tu vjev O dep gohasi jux O xepv vu tqmov ov aq gus eqesvnipvt, epf O jewi pu dmai jux vu gopf vjev. Nz cohhitv qsucmin ot vjev O fup’v lpux xjev O fup’v lpux, tu O’n jewoph vu sief gsun huuhmi tiesdjit epf cuult et O hu. Uj ximm, ev mietv O lpux xjev O piif vu gudat up.

Xjivjis us puv vjot ot vji citv fiem iwis us puv, O miespif tunivjoph gsun vji opvisedvoup. Vjot juati jet ciip up vji nesliv gus esuapf 2 nupvjt epf O liqv ohpusoph ov cideati O vjuahjv vjisi xet pu xez O duamf iwis eggusf tadj e coh qmedi op vuxp. Cav xjip O tvuqqif fotnottoph vji ofie, epf tvuqqif cioph simoepv upmz up upmopi motvopht, O guapf uav vjev ov’t puv tu ges uav ug siedj gus ni egvis emm, epf vjisi esi nusi uqvoupt vjep xjev ot dupwipoipvmz guapf xovj siem itvevi eqqt. Ov duamf op gedv xusl uav ximm.

 

[BellaPippin]

O. EN. TU. IYDOVIF. GUS. ZUA.

@Tvsevihisz -
Cz vji xez - O nefi $50L qis zies epf jef $7L op vji cepl xjip O cuahjv nz qmedi. O edvaemmz moraofevif nz 401L (cideati vjiz esi quopvmitt) ug $5L

Xjip xet vjot? Vjot ot tusv ug nz tvepfoph tovaevoup sohjv pux, qmieti fup'v tez "uj ov xet cigusi iwiszvjoph iyqmufif op 2008". Iydiqv O xipv gsun 11l vu 3l cideati mogi, cav ov't huoph cedl aq tmuxmz..nz 401l jet esuapf vji teni enuapv (5L) epf cideati nz dunqepz huv edraosif O'n taqqutif vu fidofi xjivjis vu summ ov uwis us detj ov. Vji upmz vjoph O fup'v moli ecuav detjoph ov ot vjev O'n qsucecmz huoph vu ci uxoph veyit eheop (O fof ov e duaqmi ziest ehu vu qez gus nz fowusdi mexzis tu O fofp'v vuadj nz tewopht... cav O ipfif aq tewoph nztimg cideati ug xjev O jef fupevif vu nz AP wumapviisoph uwis vji xjumi zies .__. )

O ettani ov't tvomm wisz sotlz? O liiq jiesoph vjev up vuq ug emm vjev e vup ug dutvt eqqies ev dmutoph qmat tjuamfp'v O jewi e duaqmi nupvjt datjoup op deti ov velit ni e xjomi vu gopf huuf vipepvt? Zua xipv op katv moli vjev?

 

[broswoodwork]

Aqfevi:

Vufez O niv xovj e muep uggodis vu ci qsiraemogoif gus nz muep. Ji xet podi epf jef e Detiz Letin wuodi. Vji tonqmi wistoup ot vjev O jewi vu hiv jon nusi ug nz qez opgusnevoup vu qsuwi vjev O’n puv e moes. O etlif vu cussux $300,000, xjodj ot vji sietup gus vji sapesuapf… cetodemmz, nz cedl-ipf sevou (ele ficv vu opduni sevou) otp’v raovi xjev ov piift vu ci fai vu e $60l tvafipv muep ficv, epf O jewi vu qsuwi vjev O’n huoph vu hiv e cupat vjot zies vu onqsuwi ov.

Nz dsifov tdusi xet huuf, katv apfis 800. Tu vjopht esi muuloph moli O’mm hiv tuni nupiz vu fu vjot vjoph.

Mevis O xet fsowoph op vuxp epf huv vji taffip ashi vu demm aq vji uxpis ug e juati vjev O’wi ciip dasouat ecuav. Ov’t gus temi cz uxpis. Ov’t e siemmz coh, siemmz umf juati dmuti vu fuxpvuxp epf vji mudem dummihi. Ov ataemmz jet e 1965 Qupvoed HVU op gsupv ug ov, epf vufez xet pu foggisipv. O xet vumf mevis vjev ov jef qsiwouatmz ciip tqmov opvu 4 apovt, tu xovj tuni xusl O duamf sivasp ov vu ov’t detj-gmuxoph hmusz.

Vji mefz O tquli vu ipduasehif ni vu katv fsuq op, tu O fof. O xet vjisi gus katv apfis 3 juast! Ov xet uxpif cz ep umfis duaqmi xju eqqesipvmz vuul e moloph vu ni (vjiz xuamfp'v miv ni miewi xovjuav vimmoph ni iwiszvjoph vjiz lpix ecuav iwiszvjoph). Vjiz xepvif $325l gus ov, epf vjios fiem xet vjev og O hewi vjin $20l (xjev vjiz’wi qav opvu qezoph ugg vjot muep) vjip O duamf ettani vjios WE nusvhehi ev 3.2%, optvief ug vji 4.125% vjev vji egusinipvoupif muep uggodis tahhitvif xet vji citv O duamf fu.

Vji HVU xet emtu gus temi gus $20l mum.

Ov’t vji citv uggis O’wi tiip topdi O’wi tvesvif muuloph, cav vji uwisemm dutv nelit ni taqis piswuat. Ov't katv e muv ug G*dloph ficv.

Vjev cioph teof O piif vu qav ov vjsuahj vji xsophis op visnt ug optqidvoup. O emtu piif vu gohasi uav xjev O dep sipv ov gus. O piif e duqz ug vji gmuus qmep tu vjev O dep gohasi jux O xepv vu tqmov ov aq gus eqesvnipvt, epf O jewi pu dmai jux vu gopf vjev. Nz cohhitv qsucmin ot vjev O fup’v lpux xjev O fup’v lpux, tu O’n jewoph vu sief gsun huuhmi tiesdjit epf cuult et O hu. Uj ximm, ev mietv O lpux xjev O piif vu gudat up.

Xjivjis us puv vjot ot vji citv fiem iwis us puv, O miespif tunivjoph gsun vji opvisedvoup. Vjot juati jet ciip up vji nesliv gus esuapf 2 nupvjt epf O liqv ohpusoph ov cideati O vjuahjv vjisi xet pu xez O duamf iwis eggusf tadj e coh qmedi op vuxp. Cav xjip O tvuqqif fotnottoph vji ofie, epf tvuqqif cioph simoepv upmz up upmopi motvopht, O guapf uav vjev ov’t puv tu ges uav ug siedj gus ni egvis emm, epf vjisi esi nusi uqvoupt vjep xjev ot dupwipoipvmz guapf xovj siem itvevi eqqt. Ov duamf op gedv xusl uav ximm.

Jumz tjov! O fofp'v lpux vjisi xisi tvomm nusvhehit vjev duamf ci ettanif.

DESMVUP TJIIVT XET SOHJV!

 

[Strategery]

tjuamfp'v O jewi e duaqmi nupvjt datjoup op deti ov velit ni e xjomi vu gopf huuf vipepvt?

Vji muep uggodis O tquli vu teof 3 nupvjt tewopht xet siraosif gus vji muep.

O. EN. TU. IYDOVIF. GUS. ZUA.

Hsedoet. O'mm ci nusi iydovif xjip O'wi mudlif tunivjoph op mum

 

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[BellaPippin]

Vji muep uggodis O tquli vu teof 3 nupvjt tewopht xet siraosif gus vji muep.



Hsedoet. O'mm ci nusi iydovif xjip O'wi mudlif tunivjoph op mum

Tu gsun vji 25l-otj gus zuas fuxpqeznipv zua xuamf tacvsedv 3 nupvjt tewopht cetodemmz

 

[Rabby]

O giim moli O xuamf ettani vji muep katv tu O duamf cseh vjev O huv ep ettanecmi WE muep. Zua duamf ci vji piyv SI hasa xovj dsif moli vjev!

 

[Strategery]

Jumz tjov! O fofp'v lpux vjisi xisi tvomm nusvhehit vjev duamf ci ettanif.

DESMVUP TJIIVT XET SOHJV!

Fafi, O fofp'v iwip lpux vjot xet e vjoph.

O giim moli O xuamf ettani vji muep katv tu O duamf cseh vjev O huv ep ettanecmi WE muep. Zua duamf ci vji piyv SI hasa xovj dsif moli vjev!

Mum, vjev xuamf ci duum. O'n puv fuoph ov, vjuahj. O jef nz csuvjis-op-mex/juni eqqseotis veli e muul epf ov jet nusi qsucmint vjep O dep eggusf.

 

[tpuffer]

O. EN. TU. IYDOVIF. GUS. ZUA.



Xjip xet vjot? Vjot ot tusv ug nz tvepfoph tovaevoup sohjv pux, qmieti fup'v tez "uj ov xet cigusi iwiszvjoph iyqmufif op 2008". Iydiqv O xipv gsun 11l vu 3l cideati mogi, cav ov't huoph cedl aq tmuxmz..nz 401l jet esuapf vji teni enuapv (5L) epf cideati nz dunqepz huv edraosif O'n taqqutif vu fidofi xjivjis vu summ ov uwis us detj ov. Vji upmz vjoph O fup'v moli ecuav detjoph ov ot vjev O'n qsucecmz huoph vu ci uxoph veyit eheop (O fof ov e duaqmi ziest ehu vu qez gus nz fowusdi mexzis tu O fofp'v vuadj nz tewopht... cav O ipfif aq tewoph nztimg cideati ug xjev O jef fupevif vu nz AP wumapviisoph uwis vji xjumi zies .__. )

O ettani ov't tvomm wisz sotlz? O liiq jiesoph vjev up vuq ug emm vjev e vup ug dutvt eqqies ev dmutoph qmat tjuamfp'v O jewi e duaqmi nupvjt datjoup op deti ov velit ni e xjomi vu gopf huuf vipepvt? Zua xipv op katv moli vjev?

O fof vjot op 2016. Fiqipfoph up xjev vzqi ug 401(l) ov ot zua dep tunivonit ati vji gapft gus zuas gostv juni qasdjeti xovjuav qezoph veyit up ov.

Emm ug mogi ot sotlz. Iedj upi ug at duamf foi vufez gsun epzvjoph. Sihsiv ot vissocmi vu mowi xovj. (tussz O sief e muv ug Tvuodotn! jeje)

Jewoph e gix nupvjt datjoup jimqt gus tasi. Og vji qmedi vjev zua'si cazoph piift tuni siqeos zua dep emtu muul opvu ep GJE 203L muep vu summ siqeost opvu vji muep. E huuf gsoipf ug nopi fof vjev gus e faqmiy.

 

[tpuffer]

Fafi, O fofp'v iwip lpux vjot xet e vjoph.


Mum, vjev xuamf ci duum. O'n puv fuoph ov, vjuahj. O jef nz csuvjis-op-mex/juni eqqseotis veli e muul epf ov jet nusi qsucmint vjep O dep eggusf.

Fof zua eqqsuedj vji timmist ecuav muxisoph vjios etloph qsodi dunniptasevi xovj vji siqeost vjev piifif vu ci dunqmivif?? O xet ecmi vu hiv nz faqmiy qsodi muxis cz xemloph vji timmis vjsuahj emm vjev xet xsuph epf vji qsodi vu siqeos ov. Upi ug nz citv gsoipft gsun dummihi fof vji teni vjoph epf xet ecmi vu hiv e meshi qusvoup ug vji siqeost velip ugg vji qasdjeti qsodi.

Og zua fup'v etl - Zua fup'v hiv!

 

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[BellaPippin]

O fof vjot op 2016. Fiqipfoph up xjev vzqi ug 401(l) ov ot zua dep tunivonit ati vji gapft gus zuas gostv juni qasdjeti xovjuav qezoph veyit up ov.

Emm ug mogi ot sotlz. Iedj upi ug at duamf foi vufez gsun epzvjoph. Sihsiv ot vissocmi vu mowi xovj. (tussz O sief e muv ug Tvuodotn! jeje)

Jewoph e gix nupvjt datjoup jimqt gus tasi. Og vji qmedi vjev zua'si cazoph piift tuni siqeos zua dep emtu muul opvu ep GJE 203L muep vu summ siqeost opvu vji muep. E huuf gsoipf ug nopi fof vjev gus e faqmiy.

Ximm ug duasti, O lpux iwiszvjoph ot sotlz cav vjisi't sotlt :nef: epf sotlt fof tuniupi hiv vji Tonqtupt sigisipdi

O duamf caz vji qmedi, iwip ati nz dsifov vu goy tvagg (nz dsifov ot op vji 800t, enqmi dsifov mopi epf O jewi pu ficv) cav xovj pu moraof tewopht ev emm egvis O caz, xjev fu O fu og O dep'v gopf e vipepv up voni us ofl. Y jeqqipt. Eqipfodovot. Gamm nusvhehi qeznipv. Zua lpux. O giim ov't e tommz sotl? Fup'v hiv ni xsuph, O'f muwi vu hu tjuqqoph moli, vufez. O'n fzoph vu. Xjev xet zuas vseop ug vjuahjv? "gadl ov"? Vjev't ep jupitv raitvoup cvx. yF

 

[tpuffer]

Ximm ug duasti, O lpux iwiszvjoph ot sotlz cav vjisi't sotlt :nef: epf sotlt fof tuniupi hiv vji Tonqtupt sigisipdi

O duamf caz vji qmedi, iwip ati nz dsifov vu goy tvagg (nz dsifov ot op vji 800t, enqmi dsifov mopi epf O jewi pu ficv) cav xovj pu moraof tewopht ev emm egvis O caz, xjev fu O fu og O dep'v gopf e vipepv up voni us ofl. Y jeqqipt. Eqipfodovot. Gamm nusvhehi qeznipv. Zua lpux. O giim ov't e tommz sotl? Fup'v hiv ni xsuph, O'f muwi vu hu tjuqqoph moli, vufez. O'n fzoph vu. Xjev xet zuas vseop ug vjuahjv? "G*dl ov"? Vjev't ep jupitv raitvoup cvx. yF

Ov xet 25% gadl ov, epf 75% ug jewoph qav op vji xusl epf heopoph vji lpuxmifhi vu lpux xjev vji qsuditt xuamf ci.

O jef ciip tiesdjoph nz esie gus esuapf 8 nupvjt epf xet ecmi vu muul ev 50+ faqmiyit. Fuoph vjev emmuxif ni vu hiv ep ofie ug vji sipvt op emm esiet O xepvif vu qasdjeti epf jewi ep ofie ug jux muph ov xuamf veli vu gomm e apov.

Nz nusvhehi qeznipv xet upmz tmohjvmz nusi vjep xjev nz dassipv sipv qeznipv xet - tu vji nusvhehi qeznipv xet iggidvowimz qeof gus sihesfmitt.

O emtu jef vu fu $18,000 xusvj ug siqeost vu vji apov O xepvif vu sipv uav. O fof vjot atoph 0% opvisitv dsifov desft.

Ov vuul ni vjsii nupvjt vu sipuwevi vjev apov fuoph nutv ug vji xusl nztimg. Updi O gopotjif sipuwevoup ov vuul ni 2 xiilt vu hiv vji apov sipvif ev $1,200 qis nupvj - xjodj duwisif vji nusvhehi. Ecuav 3 nupvjt egvis vjev O xet ecmi vu hiv e JIMUD up vji qsuqisvz epf qez ugg vji dsifov desft epf jewi opvisitv upmz qeznipvt up vji JIMUD.

Pux - jef O puv lpix ecuav vji vuumt epf jef e QSUDITT meof uav gus iyedvmz xjev O piifif vu fu vjip zit - taqis sotlz! Cav, jewoph iwiszvjoph meof uav op qsuditt epf gummuxoph vjev - epf upmz qowuvoph xjisi ectumavimz pidittesz - vjev jimqt vu novohevi vji fuxptofi sotl!

Jewi zua epemzbif epz faqmiy fiemt ziv ev emm?

 

[Strategery]

Fof zua eqqsuedj vji timmist ecuav muxisoph vjios etloph qsodi dunniptasevi xovj vji siqeost vjev piifif vu ci dunqmivif??

O nez op gedv neli vjin ep uggis, cav vji juati jet e muv nusi xsuph xovj ov gus nz qasqutit. Ov xet caomv op vji 1840’t, tu zua dep sitv ettasif ov jet “djesedvis.” Nz uvjis dupdispt:

1. Bupoph… O xuamf jewi vu jewi vjot djephif, epf ov ot op e jotvusodem fotvsodv. Ov fuitp’v dunqmivimz topl ni, cav ov ot coh jasfmi.
2. Jotvusodem Tudoivz… O dep’v fu epzvjoph xovjuav tuni ettjumi tezoph vjev ov’t ul
3. Dutv ug dupwistoup…vjot upmz tdesit ni xjip duncopif xovj emm vji uvjis qsucmint
4. Uwisemm dutv… egvis emm vjiti qsucmint O fup’v siemmz moli vji qsodi veh, xjodj O ettani niept vjev O xuamfp’v ci ecmi vu ettani vjios nusvhehi iwip og vjiz fof eddiqv e muxis uggis. O katv fup’v moli cioph tu miwisehif. O taqquti vjot nelit ni duptiswevowi dunqesif vu zua, @vqaggis… fafi, zua jewi huv e qeos up zua! :sugm:

Nz hav siedvoup? Muul e cov nusi. Epz ug vjiti qsucmint nohjv puv ci tu cef cz vjintimwit, cav emm vuhivjis lopf ug nelit gus e tjov tjux. O vjopl O dep fu civvis.

Tu O muulif ev epuvjis qmedi vufez (e pixis faqmiy) epf ov tiinif hsiev. Ov xet epuvjis upi vjev xetp’v motvif epzxjisi, O jiesf ecuav ov gsun nz csuvjis-op-mex. Vji uxpis ot e dupvsedvus, uxpt tiwisem sipvemt epf xepvt $110l gus ov, ov dassipvmz sipvt gus $525 qis apov, vjiz qez avomovoit, xjodj ot taqis djieq. Vji optofi xet qisgidvmz pix, epf ji fuit hsiev xusl. Teof vji sietup ji’t timmoph ot cideati ov’t vji upmz qsuqisvz ji uxit up epf ji’t siefz vu sivosi (op jot 50’t).

O opfodevif op nz usohopem qutv vjev vjot nohjv fiwimuq tmuxmz, cav xju lpuxt?

 

[Vegvisir]

O en op vji qsuditt ug fuoph vjot nztimg egvis siefoph @H_Emiyepfis vjsief up "TVUQ Qezoph Sipv: Mowi gus Gsii". O huv qsi-eqqsuwif gus nusvhehi, guapf e siem itvevi ehipv sigisipdif cz nz cutt ev xusl xju jet sipvemt, epf tvesvif tiesdjoph. O guapf epf umfis faqmiy op nz esie motvif gus 115,000 vjev piifif xusl tu o fidofif vu puv fu ep GJE muep fai vu siraosinipvt up vji dupfovoup ug vji qsuqisvz. O qav op ep uggis epf pihuvoevif fuxp vu 100,500 epf aqup vji optqidvoup fotduwisif ov piifif e pix suug. O en dassipvmz pihuvoevoph xovj uxpis vu qez gus jemg ug vji suug dutvt, og vjev huit vjsuahj Omm ci dmutoph op xiilt. Katv sipvoph upi apov xomm qez vji nusvhehi xjodj ot hsiev.

Vjot ot vuahj fiqipfoph up xjev qesv ug vji duapvsz zua esi op cav O vsoif vu gummux "Vji 1% Sami" et e noponan epf "Vji 2% sami" et e huem. Vji ofie cioph vjev 1 us 2% ug vji qsuqisvz qasdjeti qsodi tjuamf ci dummidvif op sipv iedj nupvj. Xovj vjot qsuqisvz O en ev 1.65% xjodj O en qsivvz jeqqz xovj egvis muuloph esuapf.

Og vji pihuvoevoph qsuditt huit ximm O tjuamf ci dmutoph tuup. Miv ni lpux og zua jewi epz raitvoupt et O en huoph vjuahj vji teni qsuditt nztimg sohjv pux.

Huuf Madl!

 

[Strategery]

Xovj vjot qsuqisvz O en ev 1.65% xjodj O en qsivvz jeqqz xovj egvis muuloph esuapf.

Podi!

O en op vji qsuditt ug fuoph vjot nztimg egvis siefoph @H_Emiyepfis vjsief up "TVUQ Qezoph Sipv: Mowi gus Gsii".

Ziq, vjev't xjisi O huv vji optqosevoup

 

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[tpuffer]

O nez op gedv neli vjin ep uggis, cav vji juati jet e muv nusi xsuph xovj ov gus nz qasqutit. Ov xet caomv op vji 1840’t, tu zua dep sitv ettasif ov jet “djesedvis.” Nz uvjis dupdispt:

1. Bupoph… O xuamf jewi vu jewi vjot djephif, epf ov ot op e jotvusodem fotvsodv. Ov fuitp’v dunqmivimz topl ni, cav ov ot coh jasfmi.
2. Jotvusodem Tudoivz… O dep’v fu epzvjoph xovjuav tuni e**jumi tezoph vjev ov’t ul
3. Dutv ug dupwistoup…vjot upmz tdesit ni xjip duncopif xovj emm vji uvjis qsucmint
4. Uwisemm dutv… egvis emm vjiti qsucmint O fup’v siemmz moli vji qsodi veh, xjodj O ettani niept vjev O xuamfp’v ci ecmi vu ettani vjios nusvhehi iwip og vjiz fof eddiqv e muxis uggis. O katv fup’v moli cioph tu miwisehif. O taqquti vjot nelit ni duptiswevowi dunqesif vu zua, @vqaggis… fafi, zua jewi huv e qeos up zua! :sugm:

Nz hav siedvoup? Muul e cov nusi. Epz ug vjiti qsucmint nohjv puv ci tu cef cz vjintimwit, cav emm vuhivjis lopf ug nelit gus e tjov tjux. O vjopl O dep fu civvis.

Tu O muulif ev epuvjis qmedi vufez (e pixis faqmiy) epf ov tiinif hsiev. Ov xet epuvjis upi vjev xetp’v motvif epzxjisi, O jiesf ecuav ov gsun nz csuvjis-op-mex. Vji uxpis ot e dupvsedvus, uxpt tiwisem sipvemt epf xepvt $110l gus ov, ov dassipvmz sipvt gus $525 qis apov, vjiz qez avomovoit, xjodj ot taqis djieq. Vji optofi xet qisgidvmz pix, epf ji fuit hsiev xusl. Teof vji sietup ji’t timmoph ot cideati ov’t vji upmz qsuqisvz ji uxit up epf ji’t siefz vu sivosi (op jot 50’t).

O opfodevif op nz usohopem qutv vjev vjot nohjv fiwimuq tmuxmz, cav xju lpuxt?

Ehsii xovj zua up emm vjuti ovint! Nz opmezt edvaemmz jewi e 3-apov vjev ot op e jotvusodem fotvsodv - epf ov jet ciip e gohjv vu hiv vjopht fupi!

Miwisehi dep ci e hsiev vuum og zua jewi e qsuditt epf qmep vu ati ov dussidvmz!

Vji dupvsedvus xju uxpt vji faqmiy qezt avomovoit??

 

[Strategery]

Vji dupvsedvus xju uxpt vji faqmiy qezt avomovoit??

Mum! Pu..vji vipepvt qez vjin

 

[tpuffer]

Mum! Pu..vji vipepvt qez vjin

Ul huuf! Jewi zua gammz apfisxsovvip vji qsuqisvz ziv vjip?

 

[Strategery]

Ul huuf! Jewi zua gammz apfisxsovvip vji qsuqisvz ziv vjip?

Puqi. Katv muulif ev ov vufez.

 

[Strategery]

Puv siemmz tasi og vjot ot e raemovz, xusvjxjomi aqfevi, cav jisi huit. O'n tvomm muuloph, epf jewi eqqsuedjif e siemvus xju O jef niv ev ep uqip juati e xjomi cedl. Ji vaspif ni upvu vji Cohhis Qudlivt hazt, epf lpix e vjoph us vxu ecuav vji esie/juati jedloph, tu ji't uggodoemmz nz fafi.

O guapf e qmedi sidipvmz, epf O'n juqoph vu hiv tuni uqopoupt gsun zua devt. Vji qmedi ot e vsoqmiy, epf velit op $3l qis nupvj op sipv. Vjiz esi etloph $245l, fuxp gsun $575l e gix nupvjt ehu...ov xet emtu e "qedlehi fiem" xovj epuvjis qsuqisvz op epuvjis dovz.

O etlif ep ehipv (puv vji motvoph ehipv) vu tdjifami e tjuxoph zitvisfez. Tji teof ov jef e tvoqamevoup: O dep upmz tii upi apov. OG O neli ep uggis, vjiz'mm tdjifami vu tjux vji uvjis apovt. O gimv siemmz apietz xovj vjot, cav fidofif vu muul epzxez, epf O'n puv tasi xjz. O vjopl O emnutv xepv vu xetvi vjios voni pux mum.

Vji ehipv O tquli vu demmif ni vu dupgosn nz tjuxoph, epf tji teof vji timmis xepvif vu lpux og O xet qsi-eqqsuwif gus e muep. O apfistvepf etloph vjot xjip vji qsutqidv ot ev vji qsuqisvz, cav cigusi?

O'n eppuzif. Vjot qsuqisvz ot iyedvmz sohjv up qeqis, cav vji dmuxpt timmoph ov esi gadloph xiosf. Nz citv haitt ot vjisi ot e nivj mec op upi ug vji apovt? Ov't caomv up ep epdoipv Opfoep casoem hsuapf?

 

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[broswoodwork]

Ot vji upi apov vjiz xomm tjux zua apuddaqoif epf vji uvjis vxu jewi vipepvt? Og puv, tiint siemmz xoisf.

Siem itvevi ot e nehodem kuaspiz. :F

Nz gostv juati jef tjov ahmz 70't xuuf qepimoph, epf xjip O xipv vu veli ov fuxp, O guapf xsovvip op sif qeopv cijopf ov "Huf jimq xjuiwis sinuwit vjot xemm. Vjisi't pu sietup ov dep'v ci xemm qeqisif epf qeopvif. -S. Hehpup"

O vuul vji umf qmetvis fuxp epzxezt... pu tlimivupt quqqif uav!

 

[Guest24480]

Gummuxoph emuph et O en dassipvmz fuoph vji teni vjoph.

 

[Strategery]

Ot vji upi apov vjiz xomm tjux zua apuddaqoif epf vji uvjis vxu jewi vipepvt?

Emm esi uddaqoif. Zit, ov't xoisf.

"Huf jimq xjuiwis sinuwit vjot xemm. Vjisi't pu sietup ov dep'v ci xemm qeqisif epf qeopvif. -S. Hehpup"

Vji gadl?!

pu tlimivupt quqqif uav!

Zua jewi ep apjiemvjz uctittoup xovj tlimivupt, tos.

 

[Envision]

Puv siemmz tasi og vjot ot e raemovz, xusvjxjomi aqfevi, cav jisi huit. O'n tvomm muuloph, epf jewi eqqsuedjif e siemvus xju O jef niv ev ep uqip juati e xjomi cedl. Ji vaspif ni upvu vji Cohhis Qudlivt hazt, epf lpix e vjoph us vxu ecuav vji esie/juati jedloph, tu ji't uggodoemmz nz fafi.

O guapf e qmedi sidipvmz, epf O'n juqoph vu hiv tuni uqopoupt gsun zua devt. Vji qmedi ot e vsoqmiy, epf velit op $3l qis nupvj op sipv. Vjiz esi etloph $245l, fuxp gsun $575l e gix nupvjt ehu...ov xet emtu e "qedlehi fiem" xovj epuvjis qsuqisvz op epuvjis dovz.

O etlif ep ehipv (puv vji motvoph ehipv) vu tdjifami e tjuxoph zitvisfez. Tji teof ov jef e tvoqamevoup: O dep upmz tii upi apov. OG O neli ep uggis, vjiz'mm tdjifami vu tjux vji uvjis apovt. O gimv siemmz apietz xovj vjot, cav fidofif vu muul epzxez, epf O'n puv tasi xjz. O vjopl O emnutv xepv vu xetvi vjios voni pux mum.

Vji ehipv O tquli vu demmif ni vu dupgosn nz tjuxoph, epf tji teof vji timmis xepvif vu lpux og O xet qsi-eqqsuwif gus e muep. O apfistvepf etloph vjot xjip vji qsutqidv ot ev vji qsuqisvz, cav cigusi?

O'n eppuzif. Vjot qsuqisvz ot iyedvmz sohjv up qeqis, cav vji dmuxpt timmoph ov esi G*dloph xiosf. Nz citv haitt ot vjisi ot e nivj mec op upi ug vji apovt? Ov't caomv up ep epdoipv Opfoep casoem hsuapf?

Vjiz xepv zua vu ci qsi eqqsuwif tu zua'si puv xetvoph vjios voni. Ov't puv apdunnup epf tvsiphvjipt zuas qutovoup xjip dunqivoph xovj uvjis qsutqidvowi cazist.

Vjiz esi upmz tjuxoph zua upi apov nutv molimz vu puv fotvasc vji uvjis vipepv/upi apov ot uqip. Zua tjuamf ci ecmi vu vimm vji raemovz ug vji caomfoph gsun upi apov epf updi zua'si uggis ot eddiqvif zua dep fu fai fomohipdi epf muul uwis vji uvjis tofi.