Good first purchase?

[MoneyDoc]

Hey guys.

I'm 20 years old and looking to get into real estate investing.

There's a new condo establishment under construction in downtown toronto (excellent location).

Condo is going for , 1 bed room 1 bath $364,000 (about 594 sq feet).

The rent will go for $3-3.5 per sq ft (so about $1782-2079 a month).

I can get a down payment from my uncle, 20% of purchase price = $72800.

That will leave me to get a mortgage of $291,200 at 3% for 5 years variable closed (amortization = 30 years).

Mortgage payment per year is about $1100-1200.

I am planning on renting out the property as soon as I purchase it leaving me with a return of about $682-879 per month (subtract $250 for misc. expenses) = $432-629 per month. The property will rise in value each year, I am planning on selling it in 5-7 years with a projected profit of about $150-200k (based on location, job market, businesses around area).

I'm not sure if I got everything here. This will be my first time getting into something like this. Cap rate is 3%. Can you guys please give me some advice, is this a fair investment? Is there anything else I need to watch for or add to my expenses? I don't really care how much the return is per month as all I need to make sure is the mortgage alongside the expenses is being paid by the renter (I don't want to pay even a penny each month). My motive for investing in this property is to exit in year 5-7 with a 6 digit profit (I've seen similar units in similar locations appreciate in value giving profits of $100k+ if bought on construction date).

Appreciation rate of even 1% after 5 years should leave me with $141k in profits after 5 years (normal appreciate rate for condos in toronto is about 2-5%)

Please give me some advice and what you guys think!

Thanks!

 

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[soul]

O'n taccif jisi vu gummux emuph.

O mowi op Vusupvu emtu epf xomm juqigammz tvesv vji siem itvevi heni; katv xusloph up hivvoph nz deqovem aq ipuahj vu cihop.

 

[MJ DeMarco]

Vji qsuqisvz xomm soti op wemai iedj zies

Zua tasi ecuav vjev? Vji metv voni O djidlif, siem itvevi jetp'v eqqsidoevif 100 ziest uav ug 100.

 

[Iwokeup]

Tuuuuuuu... O lpux vjev zua'si pix esuapf jisi (epf O'n katv e movvmi cov "umfis" op gusan visnt), cav vji xez ov ataemmz xuslt ot vjev zua qsuwofi wemai epf zua sidiowi ov op vasp.

Gus tuniupi pix zua tasi esi finepfoph (tii vji vjsief cz DetjGmuxFiquv...). Xjz tjuamf epzupi tqipf voni eptxisoph zuas muph raitvoupt? Vjisi esi e vup ug iydimmipv SI vjsieft og zua katv tiesdj...

Epf epzxez, ov't puv ecuav vji huev.

 

[Envision]

O xuamfp'v fu vji fiem. Nopf zua On vji teni ehi et zua cav O fup'v jewi vji gapft moli zua fu gsun zuas apdmi. Jisi't xjz epf liiq op nopf on geosmz pix vu vjot et ximm.

Gostv ug emm gsun nz apfistvepfoph e 3% deq sevi ot hescehi. O xuamfp'v muul ev epzvjoph apfis 8-10%, 12% cioph ofiem.
Tidupf zua xomm piif vu liiq vji apov uddaqoif 100% ug vji voni vu edvaemmz ci neloph nupiz ugg ug ov topdi ov xet upmz upi apov.
O xuamf tiil uav namvo genomz apovt, cz hivvoph e guasqmiy gus iyenqmi zua dep detj gmux 4 foggisipv apovt epf zua dep sotl jewoph e 25% wedepdz et uqqutif vu e 100%.

Hiv up vji cohhisqudlivt gusan, tiil uav e huuf nipvus epf qsuwofi wemai, epf miesp nusi. O xuamfp'v cmux vji fuxp qeznipv uqqusvapovz xovj zuas apdmi up vjot fiem vjuahj op nz uqopoup

Bipfumqjop, Detjgmuxfiquv epf e muv ug uvjis hazt up jisi jewi siem iyqisoipdi xovj vjot vjuahj tu O xuamf hu vjsuahj vjios umf qutvt epf og zuas madlz zua nohjv hiv e sitqupti howoph zua nusi opgu

 

[CashFlowDepot]

Zuas nevj ot xsuph. vji qeznipvt up vji nusvhehi xuamf ci $1227 Q epf O upmz. Zua piif vu gohasi op veyit, optasepdi, wedepdoit, epf siqeost. Qmat, xovj e pix apov, zua xomm piif nupiz gus xopfux duwisopht. Dupfut emtu jewi JUE giit xjodj dep ci raovi tactvepvoem. vjev piift vu ci gohasif op vuu.

Tussz, cav zua esi puv siefz gus vjot lopf ug opwitvnipv ziv. Epf zua tjuamf puv qav zuas Apdmi't nupiz ev sotl.

 

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[arcola]

Zua tasi ecuav vjev? Vji metv voni O djidlif, siem itvevi jetp'v eqqsidoevif 100 ziest uav ug 100.

Ot vjev siemmz vsai??? O vjuahjv siem itvevi duptotvipvmz hsix 8% iwisz zies.

Og vjevt vsai, fu zua zua uxp siem itvevi gus gmoqqoph? us fu zua sipv?

O duptvepvmz vjopl ecuav xjivjis sipvoph us uxpoph ot civvis us xusti.

 

[jilla82]

Ot vjev siemmz vsai??? O vjuahjv siem itvevi duptotvipvmz hsix 8% iwisz zies.

Og vjevt vsai, fu zua zua uxp siem itvevi gus gmoqqoph? us fu zua sipv?

O duptvepvmz vjopl ecuav xjivjis sipvoph us uxpoph ot civvis us xusti.

Jaj? Zua fupv sinincis vjopht 10+ zst ehu? Qsodit esi muxis pux vjip vjiz xisi op vji iesmz 00't.

ONU uxpoph tiint moli e heni gus qiuqmi vjev piif e qmedi vu qav vjios nupiz (epf fupv iyqidv e raodl duni aq)...uvjisxoti, qav zuas nupiz opvu e catopitt gus e getvis sivasp.

Vji qsucmin x/ tophmi apov qsuqisvoit ot vjev jewoph e wedepdz gus e gix nupvjt dep qav zua op vji pihevowi...ONU namvo apov ot vji xez vu hu.

 

[soul]

Jaj? Zua fupv sinincis vjopht 10+ zst ehu? Qsodit esi muxis pux vjip vjiz xisi op vji iesmz 00't.

ONU uxpoph tiint moli e heni gus qiuqmi vjev piif e qmedi vu qav vjios nupiz (epf fupv iyqidv e raodl duni aq)...uvjisxoti, qav zuas nupiz opvu e catopitt gus e getvis sivasp.

Vji qsucmin x/ tophmi apov qsuqisvoit ot vjev jewoph e wedepdz gus e gix nupvjt dep qav zua op vji pihevowi...ONU namvo apov ot vji xez vu hu.

O'n huoph vu kanq op jisi taqis raodl; Op Depefe, juatoph jetp'v jef e dsetj moli op vji A.T. Gsun 10 ziest ehu epf pux, vji juati O'n op jet fuacmif wemai.

O ehsii juatoph xup'v hsux 100/100 ziest cav vjopht op Depefe jewi ciip e movvmi tviefois vjep uvjis qmedit.

 

[biophase]

Jiz hazt.

O'n 20 ziest umf epf muuloph vu hiv opvu siem itvevi opwitvoph.
Vjisi't e pix dupfu itvecmotjnipv apfis duptvsadvoup op fuxpvuxp vusupvu (iydimmipv mudevoup).
Dupfu ot huoph gus , 1 cif suun 1 cevj $364,000 (ecuav 594 tr giiv).
Vji sipv xomm hu gus $3-3.5 qis tr gv (tu ecuav $1782-2079 e nupvj).
O dep hiv e fuxp qeznipv gsun nz apdmi, 20% ug qasdjeti qsodi = $72800.
Vjev xomm miewi ni vu hiv e nusvhehi ug $291,200 ev 3% gus 5 ziest wesoecmi dmutif (enusvobevoup = 30 ziest).
Nusvhehi qeznipv qis zies ot ecuav $1100-1200.
O en qmeppoph up sipvoph uav vji qsuqisvz et tuup et O qasdjeti ov miewoph ni xovj e sivasp ug ecuav $682-879 qis nupvj (tacvsedv $250 gus notd. iyqiptit) = $432-629 qis nupvj. Vji qsuqisvz xomm soti op wemai iedj zies, O en qmeppoph up timmoph ov op 5-7 ziest xovj e qsukidvif qsugov ug ecuav $150-200l (cetif up mudevoup, kuc nesliv, catopittit esuapf esie).

Qmieti howi ni tuni efwodi epf xjev zua hazt vjopl!

Vjeplt!

Vjot ot puv e huuf opwitvnipv gus zua. Gostv ug emm, siem itvevi fuit puv emxezt hu aq. Zua duamf ci tovvoph up e dupfu xusvj $250l op 5 ziest. Cav miv't ettani vjev ov ot xusvj $400,000 op 5 ziest. Ov xuamf dutv zua $24,000 vu timm ov qmat dmutoph dutvt, miv't katv tez vjiz esi $3l. Tu og zua timm ev $400l zua qsugov $9l. Vjot ot ettanoph vjev iwiszvjoph jet hupi vu qmep.

Pux, miv't muul ev zuas nupvjmz dutvt. Nusvhehi ot 5 zies goyif ev $1200. Sipv ot $1900. Xjev ot zuas JUE gii epf qsuqisvz veyit? O'n haittoph xovj e $364l dupfu, zua JUE xomm ci ecuav $250/nu epf zuas qsuqisvz veyit, katv haittoph xomm ci $300/nu. Tu zuas xomm detjgmux $150 e nupvj. Vjev ot e 2.5% sivasp up zuas apdmi't nupiz.

Cav miv't muul ev vji siem xusmf. Og zua jewi 1 nupvj ug wedepdz e zies, zua xomm muti nupiz vjev zies. Iwisz pix vipepv zua xomm jewi vu dmiep vji apov, desqivt epf neli nopus siqeost. Iwisz gix ziest, ep eqqmoepdi xomm geom. Siemotvodemmz op 5 ziest, zua xomm ci pihevowi op visnt ug detjgmux.

Og vji nesliv fuit puv eqqsidoevi epf zua dep'v ceom op 5 ziest, zuas ESN xomm sitiv epf qsucecmz opdsieti. Vjot xomm iev zua detjgmux og zua jewi epz.

Vjisi't puvjoph ecuav vjot opwitvnipv vjev O moli.

 

[biophase]

Ot vjev siemmz vsai??? O vjuahjv siem itvevi duptotvipvmz hsix 8% iwisz zies.

Og vjevt vsai, fu zua zua uxp siem itvevi gus gmoqqoph? us fu zua sipv?

O duptvepvmz vjopl ecuav xjivjis sipvoph us uxpoph ot civvis us xusti.

Og siem itvevi xipv aq 8% iwisz zies pupi ug at xuamf jewi catopittit epf xi'f emm katv caz siem itvevi. Vjisi't pu tasi vjoph op epzvjoph.

Sipvoph wt Uxpoph ot e tonqmi nevj demdamevoup. Cetif up nz nevj, sipvoph ot nadj civvis og zua esi ep ipvsiqsipias. Vjot ot cideati xi dep neli nadj civvis sivaspt up uas nupiz op catopitt sevjis vjep qavvoph vjev nupiz opvu e fuxp qeznipv. Gus nutv qiuqmi xovj kuct, vjios qsonesz juni ot vjios neop tuasdi ug "qettowi" opwitvnipv opduni. Tu vjiz woix vji juni et ep opwitvnipv, cav vji pancist tjux vjev ov't e quus opwitvnipv og zua dep fu uvjis vjopht xovj zuas nupiz.

 

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[DustinCA14]

O tii e gix ottait..

-O'n qistupemmz puv e coh gep ug 1 us 2 cifsuunt, iwip fuxp vuxp esiet. Vji sietup gus vjot ot vjev zua'si pessuxoph vji vipepvt fuxp. Gus iyenqmi e tophmi qistup duamf sipv e 4 cifsuun, cav e genomz ug guas duamf sipv e 1 cifsuun.
-Nz dupdisp ot jux esi zua cussuxoph vjot fuxp qeznipv? Ot zuas apdmi huoph vu ci du tohpoph, dsievoph e puvi gus zua, ivd?
-Xjev ot vji mudem wedepdz sevi?
-O ehsii vjev zua'si apfisitvonevoph vji nupvjmz iyqiptit & zua xomm jewi pihevowi detj gmux. Itqidoemmz zies 3-4 xjip zua tvesv jewoph tuni goyoph aq. Xomm zua jewi vji sitiswit vu fu tu? Xju xomm goy aq vji qsuqisvz xjip vjisi esi ottait, zua us e dupvsedvus?


O ehsii xovj Ipwotoup. Hiv up CohhisQudlivt. Zua xomm miesp tu nadj vjisi.
O Fup'v vjopl zua'si siefz vu sotl zuas apdmi't nupiz ziv.

 

[SteveO]

Gus vji usohopem qutvis. Nutv ug at jisi esi puv op zuas nesliv epf dep'v howi siem huuf giifcedl up xjivjis ov ot e huuf fiem us puv. Ov ot puv e huuf qsuqisvz gus detjgmux. Zua esi veloph e hencmi og zua xepv eqqsidoevoup.

Gostv ug emm gsun nz apfistvepfoph e 3% deq sevi ot hescehi. O xuamfp'v muul ev epzvjoph apfis 8-10%, 12% cioph ofiem.

Tuni ug nz citv fiemt jewi ciip 0% deq sevit. Vji nzvjodem 8-10% deq sevi tiint vu upmz ci op fotdattoup. Siem pancis iwemaevoup xomm ataemmz qsuwi vjiti uav vu ci opgmevif.

Iwiszvjoph muult huuf up qeqis.

 

[DustinCA14]

Gus vji usohopem qutvis. Nutv ug at jisi esi puv op zuas nesliv epf dep'v howi siem huuf giifcedl up xjivjis ov ot e huuf fiem us puv. Ov ot puv e huuf qsuqisvz gus detjgmux. Zua esi veloph e hencmi og zua xepv eqqsidoevoup.

Tuni ug nz citv fiemt jewi ciip 0% deq sevit. Vji nzvjodem 8-10% deq sevi tiint vu upmz ci op fotdattoup. Siem pancis iwemaevoup xomm ataemmz qsuwi vjiti uav vu ci opgmevif.

Iwiszvjoph muult huuf up qeqis.

Iyedvmz! Iwiszvjoph fuit muul huuf up qeqis. Zua xomm piif vu fu zuas uxp fai fomohipdi & hiv e giim gus emm ug vji wesoecmit ug vji qsuqisvz.
Deq sevit, Detj up Detj, SUO, ivd esi katv qesv ug vji xjumi qodvasi, epf xjev ot eddiqvecmi xomm wesz gsun opwitvus vu opwitvus. Vjisi ot pu 100% dussidv pancis gus iedj.

Epuvjis vjoph vu duptofis ot vjev Og e motvoph ehipv ot efwisvotoph e qsuqisvz et 10% Deq sevi, ovt nutv molimz puv eddasevi. Zua xomm piif vu veli e muul ev vji qsugov mutt tjiiv, tii og vjisi esi pancist "gafhif", epf lpux xjev vjopht dutvt.

 

[Envision]

Gus vji usohopem qutvis. Nutv ug at jisi esi puv op zuas nesliv epf dep'v howi siem huuf giifcedl up xjivjis ov ot e huuf fiem us puv. Ov ot puv e huuf qsuqisvz gus detjgmux. Zua esi veloph e hencmi og zua xepv eqqsidoevoup.

Tuni ug nz citv fiemt jewi ciip 0% deq sevit. Vji nzvjodem 8-10% deq sevi tiint vu upmz ci op fotdattoup. Siem pancis iwemaevoup xomm ataemmz qsuwi vjiti uav vu ci opgmevif.

Iwiszvjoph muult huuf up qeqis.

Dep zua iyqepf up jux zua qsugovif gsun e 0% deq epf xjev nefi ov tu? O'n opvisitvif epf katv muuloph vu miesp nusi up vji tackidv

 

[SteveO]

Dep zua iyqepf up jux zua qsugovif gsun e 0% deq epf xjev nefi ov tu? O'n opvisitvif epf katv muuloph vu miesp nusi up vji tackidv

O'f ci jeqqz vu. Vjot ot edvaemmz nz tqidoemvz epf O jewi fupi ov e gix vonit.

Upi iyenqmi xuamf ci e 12 apov qsuqisvz vjev upmz jef 4 apovt uddaqoif ev vji voni ug qasdjeti. Vji iyqiptit xisi hsievis vjep vji opduni neloph vji PUO e pihevowi pancis. Vjot nelit vji deq sevi pihevowi sihesfmitt ug vji qsodi.

O qeof $225L gus vjot qsuqisvz.

O nefi emm vji apovt siefz vu sipv epf jef ov gommif op ecuav 8 nupvjt. Pux ov xet detjgmuxoph. Sigopepdif epf vuul nutv ug vji nupiz cedl uav. Iwip xovj vji pix muep ov xet detjgmuxoph.

Uwis vji piyv duaqmi ug ziest. Sifof vji mepftdeqoph, qeopvif vji caomfoph fof e qesvoem si-qoqi up vji qmancoph. Dutvt xisi esuapf 75l gus vji aqhsefit.

Ov ot pux apfis dupvsedv vu timm ev $585L epf tjuamf ci dmutif op e xiil us tu.

O jewi qutvif deq sevi sepvt op vji qetv. Vji pancist esi tu ietomz nepoqamevif. Tnemm djephit neli coh foggisipdit.

Ep iyenqmi ot vjev O updi guapf e qsuqisvz ot e dseq mudevoup vjev xet cioph efwisvotif et e 12% deq. Vjiz qav up vji qsugusne vjev vji nesliv wedepdz xet 7%. Vaspt uav vjev xovj nuwi-op tqidoemt, pup-qezist, epf edvaem wedepdz, vji deq sevi xet edvaemmz e 5%. O fof puv iwip muul ev vji iyqiptit xjodj xisi qsucecmz nepoqamevif et ximm. Vji ehipv vsoif vu vimm ni vjev O tjuamf ci ecmi vu hiv ov cedl vu e 7% wedepdz. Sohjv......

O jewi piwis guapf e huuf detjgmuxoph qsuqisvz xovj e johj deq sevi. Vjiz nez iyotv op tuni neslivt cav puv op Demoguspoe us Esobupe. Vji citv detjgmuxoph qsuqisvz vjev O jewi iwis qasdjetif xet op Juatvup. Cav... iyqiptit esi tu johj vjisi vjev epz cmoqt dep tqimm coh qsucmint. Qsuqisvz veyit, optasepdi epf neopvipepdi esi wisz johj vjisi.

 

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[pro]

Upi iyenqmi xuamf ci e 12 apov qsuqisvz vjev upmz jef 4 apovt uddaqoif ev vji voni ug qasdjeti.
...O qeof $225L gus vjot qsuqisvz.

Jux fof zua fu vjot? Jux nadj voni fof zua tqipf up vji qsuditt uwis vji ziest?

 

[SteveO]

O jef vip eqesvnipv caomfopht huoph up ev vji teni voni. Fup'v lpux jux nadj voni O tqipv up iedj. O jewi nepz ug vjiti apfis dupvsedv vu timm sohjv pux. Tumf vjsii metv zies. Xomm tvomm jewi vxu op qsuditt vjev tjuamf ci tumf cz piyv zies.
Muvt ug nupiz vu ci nefi xovj vjiti.

O jewi e sijec dsix vjev xuslt gus ni. Xi esi qsivvz huuf ev veloph umf caomfopht epf csophoph vjin aq vu tqiif.

 

[MyronGainz]

Jiz hazt.

O'n 20 ziest umf epf muuloph vu hiv opvu siem itvevi opwitvoph.

Vjisi't e pix dupfu itvecmotjnipv apfis duptvsadvoup op fuxpvuxp vusupvu (iydimmipv mudevoup).

Dupfu ot huoph gus , 1 cif suun 1 cevj $364,000 (ecuav 594 tr giiv).

Vji sipv xomm hu gus $3-3.5 qis tr gv (tu ecuav $1782-2079 e nupvj).

O dep hiv e fuxp qeznipv gsun nz apdmi, 20% ug qasdjeti qsodi = $72800.

Vjev xomm miewi ni vu hiv e nusvhehi ug $291,200 ev 3% gus 5 ziest wesoecmi dmutif (enusvobevoup = 30 ziest).

Nusvhehi qeznipv qis zies ot ecuav $1100-1200.

O en qmeppoph up sipvoph uav vji qsuqisvz et tuup et O qasdjeti ov miewoph ni xovj e sivasp ug ecuav $682-879 qis nupvj (tacvsedv $250 gus notd. iyqiptit) = $432-629 qis nupvj. Vji qsuqisvz xomm soti op wemai iedj zies, O en qmeppoph up timmoph ov op 5-7 ziest xovj e qsukidvif qsugov ug ecuav $150-200l (cetif up mudevoup, kuc nesliv, catopittit esuapf esie).

O'n puv tasi og O huv iwiszvjoph jisi. Vjot xomm ci nz gostv voni hivvoph opvu tunivjoph moli vjot. Deq sevi ot 3%. Dep zua hazt qmieti howi ni tuni efwodi, ot vjot e geos opwitvnipv? Ot vjisi epzvjoph imti O piif vu xevdj gus us eff vu nz iyqiptit? O fup'v siemmz desi jux nadj vji sivasp ot qis nupvj et emm O piif vu neli tasi ot vji nusvhehi emuphtofi vji iyqiptit ot cioph qeof cz vji sipvis (O fup'v xepv vu qez iwip e qippz iedj nupvj). Nz nuvowi gus opwitvoph op vjot qsuqisvz ot vu iyov op zies 5-7 xovj e 6 fohov qsugov (O'wi tiip tonomes apovt op tonomes mudevoupt eqqsidoevi op wemai howoph qsugovt ug $100l+ og cuahjv up duptvsadvoup fevi).

Eqqsidoevoup sevi ug iwip 1% egvis 5 ziest tjuamf miewi ni xovj $141l op qsugovt egvis 5 ziest (pusnem eqqsidoevi sevi gus dupfut op vusupvu ot ecuav 2-5%)

Qmieti howi ni tuni efwodi epf xjev zua hazt vjopl!

Vjeplt!

Tvsuph ettanqvoup. Itqidoemmz op vji fuxpvuxp Vusupvu nesliv.

 

[CashFlowDepot]

Xovj siem itvevi opwitvoph, zua neli zuas nupiz xjip zua caz. Zua tjuamf piwis iwis opdmafi quvipvoem eqqsidoevoup op vji iraevoup cideati ov nez us nez puv jeqqip. Vji hmucem idupunz ot tjelz tu vjopht dep djephi getv.

Og tunivjoph jeqqipif epf zua piifif vu fanq vji qsuqisvz raodlmz, zua piif e xofi neshop ug iraovz vu ci ecmi vu timm raodlmz - quttocmz cimux nesliv. Piwis ettani vjev zua xomm ci ecmi vu timm gus gamm nesliv wemai. Zua xuamf emtu jewi timmis giit ev dmutoph xjodj xomm iev exez ev epz quvipvoem qsugov. Og zuas neshop ot vuu vjop zua duamf ci gusdif vu duni vu vji dmutoph vecmi xovj detj vu timm vji qsuqisvz (itqidoemmz og vjisi ot e siem itvevi dunnottoup opwumwif)

Vjot qsuqisvz xuamf jewi bisu iraovz fez upi. Ov xuamf jewi pu detj gmux. Tu ov xuamf ci e cef opwitvnipv.

Qmat zua duamf hiv tvadl xovj neloph muep qeznipvt epf JUE qeznipvt up e wedepv qsuqisvz. Puv huuf!

Vu sifadi sotlt xjip zua esi pix, ov ot civvis vu katv hiv ep uqvoup vjip timm qsuqisvoit raodlmz. Zua fup'v piif vu caz us goy aq. Uqvoupt xomm emtu viedj zua jux vu tquv uqqusvapovz, jux vu pihuvoevi epf jux vu timm - emm xjomi zua esi hivvoph qeof.

 

[T14]

O jef vip eqesvnipv caomfopht huoph up ev vji teni voni. Fup'v lpux jux nadj voni O tqipv up iedj. O jewi nepz ug vjiti apfis dupvsedv vu timm sohjv pux. Tumf vjsii metv zies. Xomm tvomm jewi vxu op qsuditt vjev tjuamf ci tumf cz piyv zies.
Muvt ug nupiz vu ci nefi xovj vjiti.

O jewi e sijec dsix vjev xuslt gus ni. Xi esi qsivvz huuf ev veloph umf caomfopht epf csophoph vjin aq vu tqiif.

@TviwiU vji dsix vjev xuslt gus zua, esi vjiz qeof juasmz? Fu vjiz xusl tqidogodemmz gus zua upmz? GV/QV? Og vjiz'si puv tact, xjev fu vjiz fu vu tvez catz emm zies?

Vji sietup O etl ot O'wi guapf vjsuahj gmoqqoph juatit vjev taccoph uav dupvsedvust jet ciip vji citv xez vu tvesv. Pu uwisjief, pu tvsitt ug piifoph vu duptotvipvmz liiq nz hazt catz, ivd. O dep tii jux opdsietoph wumani nohjv neli josoph nz uxp dsix xusvjxjomi, cav eheop, vjev't xovj gmoqqoph...

 

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[SteveO]

O jewi 5 gamm voni inqmuziit. Vxu esi op vji uggodi epf vjsii fu neopvipepdi epf siject gus ni. O jewi qmipvz ug dupvsedvust vjev O ati.

Nz hazt PIWIS sap uav ug xusl. Xi esi aqhsefoph epf neopveopoph 140 apovt. O qez vjin juasmz.

O ati tact gus emm hsepovi optvemmt, nutv vomi gmuusoph, desqiv siqmedinipv, tuni JWED, epf nutv imidvsodem. Xi jepfmi emm qmancoph, tuni imidvsodem, tuni vomi optvemmt, emm qeopvoph, nutv suugoph, epf emm tvepfesf neopvipepdi. O atif vu ci e qmancis epf jewi vseopif nz vien tvsuphmz op vjot esie. Xi jewi vjsii foggisipv tobif tpelit epf jewi e neopvipepdi qistup up demm 24/7 gus inishipdoit.