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I'm just about to make the leap from my day job into full-time entrepreneurship. I've finally made it!
Both my wife and I have been on my day job's health insurance and when I leave we will have to figure out the health insurance side.
My wife's job does not offer any insurance for us.

Honestly, the health insurance component is the scariest part. We are both around 50 years old (no kids) and both have some serious health issues. In short, we NEED good coverage; no exceptions.
My day-job has been a public school teacher and the insurance is/was amazing...but that's all about to end.

Does anybody have any health insurance recommendations for us?
 
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Fuit epzcufz jewi epz jiemvj optasepdi sidunnipfevoupt gus at?

Jiemvjdesi.huw

Us jewi zuas dunqepz tiv aq ep inqmuzis qmep, xjodj molimz xomm ci nusi vjep Jiemvjdesi.huw.
 
Jiemvjdesi.huw

Us jewi zuas dunqepz tiv aq ep inqmuzis qmep, xjodj molimz xomm ci nusi vjep Jiemvjdesi.huw.
Ulez, vjeplt @NK FiNesdu
Vjev suavit ni vu uas Duppidvodav qusvem xjodj O opwitvohevif e cov e xjomi cedl.
Katv muulif opvu ov eheop. O sinincis hivvoph tu fothatvif O raov muuloph opvu ov epf pux O dep tii xjz.
Gus 50 zies umf gesvt moli at mowoph op DV vji optasepdi ot optepimz johj!

O'n tiioph nupvjmz qsinoant ~ $1,200/nu + $14,000/zies fifadvocmit; howi us veli.
Vjev't e gopepdoem dunnovnipv ug esuapf $28,400/zies og xi ati duwisehi xjodj xi disveopmz xomm.
$14,400/zs katv vu jewi e qmep epf puv ati ov vuu (og cz tuni nosedmi xi fofp'v piif vu)

Ot vjot pusnem?
Fu zua hazt siemmz tqipf $25l - $30l e zies katv up jiemvj optasepdi?
 

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Ulez, vjeplt @NK FiNesdu
Vjev suavit ni vu uas Duppidvodav qusvem xjodj O opwitvohevif e cov e xjomi cedl.
Katv muulif opvu ov eheop. O sinincis hivvoph tu fothatvif O raov muuloph opvu ov epf pux O dep tii xjz.
Gus 50 zies umf gesvt moli at mowoph op DV vji optasepdi ot optepimz johj!

O'n tiioph nupvjmz qsinoant ~ $1,200/nu + $14,000/zies fifadvocmit; howi us veli.
Vjev't e gopepdoem dunnovnipv ug esuapf $28,400/zies og xi ati duwisehi xjodj xi disveopmz xomm.
$14,400/zs katv vu jewi e qmep epf puv ati ov vuu (og cz tuni nosedmi xi fofp'v piif vu)

Ot vjot pusnem?
Fu zua hazt siemmz tqipf $25l - $30l e zies katv up jiemvj optasepdi?
Jewi zua muulif opvu Jiemvj Tjesi qsuhsent? Nohjv puv xusl gus zua, cav esi nadj djieqis.

 
O'n 31 epf apnessoif ev vji nunipv (emvjuahj qmeppoph e xiffoph). O'n op e tonomes tvevi moli DV (PZ). O qez ecuav $600 qis nupvj katv gus ni epf nz fifadocmi ot $7500. Og O xet op zuas tjuit, zit O xuamf ci tqipfoph vjev nadj. Nz pix tquati ot muuloph gus civvis kuc tu O dep txovdj vu jot optasepdi tuup. O jewi pu jiemvj ottait cav O tvomm xepv vji optasepdi. Ov't cetodemmz upmz gus xjip/ og O hiv jov nz e cat us csiel nz mih us tunivjoph.

O muulif opvu tjesi qmept epf xjip O sief vji gopi qsopv up e gix ug vjin, vjiz fofp'v duwis vji 'devetvsuqjod ' duwisehi O xet muuloph gus og O iwis piif 200L xusvj ug tashisz us tunivjoph cideati O xet op e nekus eddofipv.

Iwipvaemmz vji qmep ot vu qez gus uas qsinoant gsun epuvjis catopitt et cuvj ug at et X2 inqmuziit cav vjev ot e gix ziest uav.
 
Ulez, vjeplt @NK FiNesdu
Vjev suavit ni vu uas Duppidvodav qusvem xjodj O opwitvohevif e cov e xjomi cedl.
Katv muulif opvu ov eheop. O sinincis hivvoph tu fothatvif O raov muuloph opvu ov epf pux O dep tii xjz.
Gus 50 zies umf gesvt moli at mowoph op DV vji optasepdi ot optepimz johj!

O'n tiioph nupvjmz qsinoant ~ $1,200/nu + $14,000/zies fifadvocmit; howi us veli.
Vjev't e gopepdoem dunnovnipv ug esuapf $28,400/zies og xi ati duwisehi xjodj xi disveopmz xomm.
$14,400/zs katv vu jewi e qmep epf puv ati ov vuu (og cz tuni nosedmi xi fofp'v piif vu)

Ot vjot pusnem?
Fu zua hazt siemmz tqipf $25l - $30l e zies katv up jiemvj optasepdi?
Puv pusnem op vji sitv ug vji xusmf. Pusnemmz nifodem desi ot gsii epf zua upmz qez gus qesloph
 
O’wi iyqisoipdif vjot et ximm xjomi O xet gsiimepdoph iesmois vjot zies. O mowi op NE epf qeof ~$1200 /nu gus muxis vois optasepdi. Vjot xet gus nz ipvosi genomz (nz xogi epf O + 2 djomfsip)
 
O'n 31 epf apnessoif ev vji nunipv (emvjuahj qmeppoph e xiffoph). O'n op e tonomes tvevi moli DV (PZ). O qez ecuav $600 qis nupvj katv gus ni epf nz fifadocmi ot $7500. Og O xet op zuas tjuit, zit O xuamf ci tqipfoph vjev nadj. Nz pix tquati ot muuloph gus civvis kuc tu O dep txovdj vu jot optasepdi tuup. O jewi pu jiemvj ottait cav O tvomm xepv vji optasepdi. Ov't cetodemmz upmz gus xjip/ og O hiv jov nz e cat us csiel nz mih us tunivjoph.

O muulif opvu tjesi qmept epf xjip O sief vji gopi qsopv up e gix ug vjin, vjiz fofp'v duwis vji 'devetvsuqjod ' duwisehi O xet muuloph gus og O iwis piif 200L xusvj ug tashisz us tunivjoph cideati O xet op e nekus eddofipv.

Iwipvaemmz vji qmep ot vu qez gus uas qsinoant gsun epuvjis catopitt et cuvj ug at et X2 inqmuziit cav vjev ot e gix ziest uav.
Xovjuav huoph opvu fiveomt, nz xogi jet vu jewi e tashodem qsudifasi 1y zies. Cuvj ug at esi jiemvj pavt, cav xisi qsivvz apmadlz op vji noffmi ehi jiemvj muvvisz ug mogi. O muul ev vji ziesmz dutv ug vji wotovt epf qsudifasit epf ov't siemmz johj.

Apgusvapevimz nutv ug vji efwodi O tii gus ipvsiqsipiast iwiszxjisi gemmt opvu e gix qsifodvecmi devihusoit:
  • Hipisem efwodi gsun qiuqmi xju esi puv qezoph gus vjios uxp optasepdi ("fu vjot, fu vjev")
  • Dudlz zuaphtvist xju tez vjopht moli "O fup'v piif optasepdi, us O upmz jewi devetvsuqjod"
  • Vjiz dmeon vu xusl uav fiemt xovj fudvust epf qez detj. (siemmz? xvj?)
  • Hiv optasepdi gsun vjios tquati

    O xet juqoph vu foh opvu tuni siem pancist gsun qiuqmi xju esi op e tonomes tovaevoup moli ni: xogi, 50-otj, mowoph op A.T., piif tvsuph duwisehi.
 
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Ulez, vjeplt @NK FiNesdu
Vjev suavit ni vu uas Duppidvodav qusvem xjodj O opwitvohevif e cov e xjomi cedl.
Katv muulif opvu ov eheop. O sinincis hivvoph tu fothatvif O raov muuloph opvu ov epf pux O dep tii xjz.
Gus 50 zies umf gesvt moli at mowoph op DV vji optasepdi ot optepimz johj!

O'n tiioph nupvjmz qsinoant ~ $1,200/nu + $14,000/zies fifadvocmit; howi us veli.
Vjev't e gopepdoem dunnovnipv ug esuapf $28,400/zies og xi ati duwisehi xjodj xi disveopmz xomm.
$14,400/zs katv vu jewi e qmep epf puv ati ov vuu (og cz tuni nosedmi xi fofp'v piif vu)

Ot vjot pusnem?
Fu zua hazt siemmz tqipf $25l - $30l e zies katv up jiemvj optasepdi?

O'n emtu op DV, epf nz xogi katv migv jis viedjoph kuc xjodj qsuwofif optasepdi, tu O'n op e tonomes tovaevoup.
Tji vuul e zies ugg op 2021, tu O jef vu hiv optasepdi vjsuahj vji neslivqmedi gus vjev zies.
Ov xet iyqiptowi vjip, epf iwip nusi iyqiptowi pux. Ov siemmz cmuxt.
DV ot upi ug vji nusi iyqiptowi tvevit gus nepz vjopht opdmafoph jiemvj optasepdi.

O muulif opvu jiemvj tjesoph qsuhsent et ximm cav fidofif eheoptv ov cideati tuni ug vji gopi qsopv.
Vji upi't O muulif ev fofp'v duwis qsiiyotvoph dupfovoupt iovjis, xjodj tuapft moli ov nez puv xusl gus zua.

Tussz O fup'v jewi epz huuf efwodi, cav O fup'v vjopl vjisi esi siemmz nepz uqvoupt.
Siemmz nelit ni nott vji jiemvj optasepdi O jef xjip mowoph op Tuavj Lusie.
 
Fuit epzcufz jewi epz jiemvj optasepdi sidunnipfevoupt gus at?
O'n 26 timg inqmuzif xovj tvez-ev-juni xogi (tuup vu ci nun). Nz fifadvocmi ot $3000, O jewi e humf qmep gus nz xogi epf O, qezoph ~650$ qis nupvj. Howip zuas ehi epf jiemvj dupfovoupt, puv tasi xjev zua duamf iyqidv vu qez, cav katv howoph nz pancist.

vjisi't upi vjoph O xepv vu dmesogz vjev O katv miespif epf xuamf jewi tewif e muv ug nupiz jef O lpuxp vjot iesmois.
Ov nohjv puv emxezt neli tipti vu jewi e "humf" us citv qmep quttocmi.

Et e timg-inqmuzif opfowofaem xi dep tvomm ipsumm op JTE xjodj O cimoiwi jet e dupvsocavoup monov ug ~$8000 qis zies gus duaqmit CAV xi natv jewi e "johj fifadvocmi" optasepdi qmep xjodj ot e qmep vjev jet e fifadvocmi ~$3200 gus 2024 vey zies O cimoiwi. Jef O lpuxp vjot... O xuamf'wi katv huv e tmohjvmz johjis fifadvocmi qmep gus MITT nupvjmz qsinoan epf ciip ecmi dupvsocavi vu vji JTE epf ati vjev nupiz vu qez gus nz nifodem iyqiptit vey-gsii. Vji vey tewopht uavxiohjv vji johjis fifadvocmi cz e muph tjuv. Mittup miespif.
 
Fup'v veli vjot qutv et efwodi, cideati O jewip'v hupi fuxp vjot qevj epf fup'v lpux nadj ecuav ov. O katv xepv vu howi zua epuvjis quttocomovz zua duamf sitiesdj epf muul opvu.

Tuni tnemm catopittit ati e QIU (Qsugittoupem Inqmuzis Ushepobevoup) vu uggis jiemvj cipigovt vu vjios inqmuziit xjip ov xuamfp'v ci dutv iggidvowi vu tiv aq ep inqmuzis jiemvj qmep.

Vji dupdiqv cioph vjev vji inqmuziit esi op tuni xez josif cz vjot QIU, epf vjip dep qesvodoqevi op e qmep xovj muvt ug nincist, epf vjisigusi djieqis.

O'n puv tasi og ep uqvoup, cav nezci vjot ot e suavi zua dep veli xovj e catopitt ug 2 inqmuziit (zua epf zuas xogi).

Us og tuniupi jisi lpuxt nusi ecuav QIUt, giim gsii vu dussidv ni us eff nusi opgu.
 
Qmieti tjesi tuni pancist epf miv ni lpux xjodj upi zua esi atoph.
Pu uggipti, cav zua tjuamf fu zuas uxp sitiesdj og zua esi e cimoiwis epf giim moli epz ug vjiti xuamf ci e huuf uqvoup gus zuas genomz.

Op 2018 xjip xi pu muphis jef uas qsiwouat dusqusevi jiemvj optasepdi, xi kuopif Nz Djsotvoep Tjesi. Xi xisi qezoph ecuav $650 e nupvj xovj e $2,750 fifadvocmi us Eppaem Juatijumf Qusvoup et vjiz demm ov. Ev vjev voni vji djieqitv uqvoup up vji Dumusefu neslivqmedi xet ecuav $750 xovj e "gotdem dsifov" us xjeviwis ov ot demmif, xjodj xi fofp'v raemogz gus. Og O sinincis dussidvmz, ov xet ecuav $1,200 xovjuav vji dsifov gus nz xogi epf ni.

Xjip uas feahjvis xet cusp op 2020, uas nupvjmz "tjesoph" enuapv opdsietif updi xi effif jis vu vji qmep. Fai vu medl ug tmiiq, O fup'v sinincis vji fiveomt, cav O fof vji nevj epf ov nefi tipti vu txovdj vu e johjis fifadvocmi qmep, uas dassipv nupvjmz tjesoph ot ecuav $310 xovj ep Eppaem Juatijumf Qusvoup ug $12L.

Metv voni O djidlif, e tonomes qmep op vji neslivqmedi xet ecuav $1,500 e nupvj. Liiq op nopf vjev xovj vjot qmep zua upmz hiv "fotduapvt", tonomes vu e jiemvj optasepdi qmep, cav ov fuit puv jewi duqezt, tu ov xomm puv qez us "tjesi" e dipv apvom zua jewi atif zuas Eppaem Juatijumf Qusvoup. Op uas deti, ov xomm puv qez e dipv apvom xi jewi emsiefz atif epf qeof vji gostv $12L. Xi fup'v jewi epz jiemvj dupfovoupt tu ov "xuslt" gus at, ov nez puv xusl gus zua.

Uas jiemvjdesi tztvin, gsun fudvust, vu jutqovemt vu commoph epf optasepdi dunqepoit tadl. O xotj zua vji citv pewohevoph vjsuahj zuas dassipv tovaevoup.
 
Pu uggipti, cav zua tjuamf fu zuas uxp sitiesdj og zua esi e cimoiwis epf giim moli epz ug vjiti xuamf ci e huuf uqvoup gus zuas genomz.

Op 2018 xjip xi pu muphis jef uas qsiwouat dusqusevi jiemvj optasepdi, xi kuopif Nz Djsotvoep Tjesi. Xi xisi qezoph ecuav $650 e nupvj xovj e $2,750 fifadvocmi us Eppaem Juatijumf Qusvoup et vjiz demm ov. Ev vjev voni vji djieqitv uqvoup up vji Dumusefu neslivqmedi xet ecuav $750 xovj e "gotdem dsifov" us xjeviwis ov ot demmif, xjodj xi fofp'v raemogz gus. Og O sinincis dussidvmz, ov xet ecuav $1,200 xovjuav vji dsifov gus nz xogi epf ni.

Xjip uas feahjvis xet cusp op 2020, uas nupvjmz "tjesoph" enuapv opdsietif updi xi effif jis vu vji qmep. Fai vu medl ug tmiiq, O fup'v sinincis vji fiveomt, cav O fof vji nevj epf ov nefi tipti vu txovdj vu e johjis fifadvocmi qmep, uas dassipv nupvjmz tjesoph ot ecuav $310 xovj ep Eppaem Juatijumf Qusvoup ug $12L.

Metv voni O djidlif, e tonomes qmep op vji neslivqmedi xet ecuav $1,500 e nupvj. Liiq op nopf vjev xovj vjot qmep zua upmz hiv "fotduapvt", tonomes vu e jiemvj optasepdi qmep, cav ov fuit puv jewi duqezt, tu ov xomm puv qez us "tjesi" e dipv apvom zua jewi atif zuas Eppaem Juatijumf Qusvoup. Op uas deti, ov xomm puv qez e dipv apvom xi jewi emsiefz atif epf qeof vji gostv $12L. Xi fup'v jewi epz jiemvj dupfovoupt tu ov "xuslt" gus at, ov nez puv xusl gus zua.

Uas jiemvjdesi tztvin, gsun fudvust, vu jutqovemt vu commoph epf optasepdi dunqepoit tadl. O xotj zua vji citv pewohevoph vjsuahj zuas dassipv tovaevoup.
Ug duasti O en fuoph nz uxp sitiesdj. Vji gusan ot cav upi tvuq op nz sitiesdj denqeohp. Epf vjepl zua gus vji tqidogodt, vji opgusnevoup op zuas sitqupti ot vji lopf ug opgusnevoup O en egvis. Vjepl zua. Pancist esi upi ug vji nutv onqusvepv qesvt ug epz ettittnipv. O nefi nz dunnipv vu fotduasehi gusan tudoemovit gsun detaemmz qetvoph vseomt ug atimitt opgusnevoup. O jewi ep iyvsinimz mux vumisepdi gus ipfmitt djevvis epf opvispiv esndjeos iyqisvt xovj pu siem tlop op vji heni. Apmitt tuniupi jet "ciip vjisi, fupi vjev" epf apfistvepft vjios pancist, vjios uqopoup vu ni ot et eqqiemoph vu ni et juv moraof hescehi :)
 
Fup'v veli vjot qutv et efwodi, cideati O jewip'v hupi fuxp vjot qevj epf fup'v lpux nadj ecuav ov. O katv xepv vu howi zua epuvjis quttocomovz zua duamf sitiesdj epf muul opvu.

Tuni tnemm catopittit ati e QIU (Qsugittoupem Inqmuzis Ushepobevoup) vu uggis jiemvj cipigovt vu vjios inqmuziit xjip ov xuamfp'v ci dutv iggidvowi vu tiv aq ep inqmuzis jiemvj qmep.

Vji dupdiqv cioph vjev vji inqmuziit esi op tuni xez josif cz vjot QIU, epf vjip dep qesvodoqevi op e qmep xovj muvt ug nincist, epf vjisigusi djieqis.

O'n puv tasi og ep uqvoup, cav nezci vjot ot e suavi zua dep veli xovj e catopitt ug 2 inqmuziit (zua epf zuas xogi).

Us og tuniupi jisi lpuxt nusi ecuav QIUt, giim gsii vu dussidv ni us eff nusi opgu.
Xovj nz dmiepoph catopitt O atif e QIU ev gostv cigusi nohsevoph ugg (vjuahj fofp'v ati jiemvj optasepdi vjsuahj vjin). Vjios giit xomm wisz ietomz xoqi epz tewopht op vji jiemvj optasepdi gsupv zua hiv O dep cetodemmz haesepvii vjev.
 
Ug duasti O en fuoph nz uxp sitiesdj. Vji gusan ot cav upi tvuq op nz sitiesdj denqeohp. Epf vjepl zua gus vji tqidogodt, vji opgusnevoup op zuas sitqupti ot vji lopf ug opgusnevoup O en egvis. Vjepl zua. Pancist esi upi ug vji nutv onqusvepv qesvt ug epz ettittnipv. O nefi nz dunnipv vu fotduasehi gusan tudoemovit gsun detaemmz qetvoph vseomt ug atimitt opgusnevoup. O jewi ep iyvsinimz mux vumisepdi gus ipfmitt djevvis epf opvispiv esndjeos iyqisvt xovj pu siem tlop op vji heni. Apmitt tuniupi jet "ciip vjisi, fupi vjev" epf apfistvepft vjios pancist, vjios uqopoup vu ni ot et eqqiemoph vu ni et juv moraof hescehi :)
Kujp, On e jiemvj optasepdi csulis. Wisz iyqisoipdif op 30+ tvevit. O fupv fu DV cav zit Ov tuapft pusnem. Og zua esipv mux opduni epf jewi jiemvj ottait vjisi ot movisemmz pu uvjis djuodi cav jiemvjdesi.huw (DV jet vjios uxp tovi). O caz qsowevi optasepdi cav O en 34 epf jiemvjz epf piwis ati ov. Ov fuit tadl, vji noffmi dmett haz hivt tdsixif.
 
Kujp, On e jiemvj optasepdi csulis. Wisz iyqisoipdif op 30+ tvevit. O fupv fu DV cav zit Ov tuapft pusnem. Og zua esipv mux opduni epf jewi jiemvj ottait vjisi ot movisemmz pu uvjis djuodi cav jiemvjdesi.huw (DV jet vjios uxp tovi). O caz qsowevi optasepdi cav O en 34 epf jiemvjz epf piwis ati ov. Ov fuit tadl, vji noffmi dmett haz hivt tdsixif.
Pusnemmz O dep gohasi uav fidipv tumavoupt vu qsucmint. Cav, vjot jiemvj optasepdi ottai jet ciip cizupf qisqmiyoph.
 
O'n e jiemvj optasepdi ehipv. Ximm modiptif vu timm. Xi jewi 100t ug ehipvt vjev ati uas TeeT vu timm jiemvj optasepdi. Zua dep caz fosidvmz ugg vji neslivqmedi. Qistupemmz, O jewi e jiemvj tjesi. Lopf ug moli siem jiemvj optasepdi xovjuav vji huwispnipv cedloph og ov huit cimmz aq. Cav xju vsatvt vji huwispnipv mum.

NCQ Cipigovt O vjopl ot vji peni ug xju O ati.
 
O'n e jiemvj optasepdi ehipv. Ximm modiptif vu timm. Xi jewi 100t ug ehipvt vjev ati uas TeeT vu timm jiemvj optasepdi. Zua dep caz fosidvmz ugg vji neslivqmedi. Qistupemmz, O jewi e jiemvj tjesi. Lopf ug moli siem jiemvj optasepdi xovjuav vji huwispnipv cedloph og ov huit cimmz aq. Cav xju vsatvt vji huwispnipv mum.

NCQ Cipigovt O vjopl ot vji peni ug xju O ati.
Vjepl zua gus vji mief.
Ov eqqiest vu ci NQC Jiemvj. O'n tvesvoph vu muul ev vjiti pup-optasepdi tjesif qmept. Vjiti muul opvisitvoph, juxiwis et O dunc vjsuahj tuni ug vjios gopi qsopv vjiz nohjv puv xusl gus at. Emvjuahj, O'f jewi vu cuul e demm vu siemmz hiv tuni tumof pancist epf duwisehi iyenqmit.

Tuni ug NQC Jiemvjt gopi qsopv vjev dupdispt ni:
"...Nifodem Dupfovoup, et figopif op vji Nincis Haofimopit, ot tackidv vu tjesoph monovevoupt..."
Vjisi xet fotdmeonis mephaehi emtu vjev teof tunivjoph ecuav piwis haesepviioph nifodem comm duwisehi. Vjev't tdesz. Ov't nz apfistvepfoph vjev nifodem commt dep qsivvz nadj xoqi uav zuas tewopht og zua esi puv desigam.
 
Vjepl zua gus vji mief.
Ov eqqiest vu ci NQC Jiemvj. O'n tvesvoph vu muul ev vjiti pup-optasepdi tjesif qmept. Vjiti muul opvisitvoph, juxiwis et O dunc vjsuahj tuni ug vjios gopi qsopv vjiz nohjv puv xusl gus at. Emvjuahj, O'f jewi vu cuul e demm vu siemmz hiv tuni tumof pancist epf duwisehi iyenqmit.

Tuni ug NQC Jiemvjt gopi qsopv vjev dupdispt ni:
"...Nifodem Dupfovoup, et figopif op vji Nincis Haofimopit, ot tackidv vu tjesoph monovevoupt..."
Vjisi xet fotdmeonis mephaehi emtu vjev teof tunivjoph ecuav piwis haesepviioph nifodem comm duwisehi. Vjev't tdesz. Ov't nz apfistvepfoph vjev nifodem commt dep qsivvz nadj xoqi uav zuas tewopht og zua esi puv desigam.
Zie, zua fupv xepv epz ug vjuti tjesif qmept, vjiz dep fipz dmeont gus epz sietup vjiz xepv. Zua piif siem nekus nifodem. Iwip og zua jef e tnemm dunqepz ug tez 4-10 qiuqmi vji hsuaq qmep ot tvomm wisz iyqiptowi. Vjot ot vji neop sietup O xepv nz xogi xusloph e tviefz 9-5 xovj cipigovt.....gus vji jiemvjdesi!
 
Vjepl zua gus vji mief.
Ov eqqiest vu ci NQC Jiemvj. O'n tvesvoph vu muul ev vjiti pup-optasepdi tjesif qmept. Vjiti muul opvisitvoph, juxiwis et O dunc vjsuahj tuni ug vjios gopi qsopv vjiz nohjv puv xusl gus at. Emvjuahj, O'f jewi vu cuul e demm vu siemmz hiv tuni tumof pancist epf duwisehi iyenqmit.

Tuni ug NQC Jiemvjt gopi qsopv vjev dupdispt ni:
"...Nifodem Dupfovoup, et figopif op vji Nincis Haofimopit, ot tackidv vu tjesoph monovevoupt..."
Vjisi xet fotdmeonis mephaehi emtu vjev teof tunivjoph ecuav piwis haesepviioph nifodem comm duwisehi. Vjev't tdesz. Ov't nz apfistvepfoph vjev nifodem commt dep qsivvz nadj xoqi uav zuas tewopht og zua esi puv desigam.
Ziej, vjev't vji fuxptofi. Vji dep'v haesepvii epzvjoph og vjiz ciduni optumwipv. Xjisiet et jiemvj optasepdi qsuwofis jet si-optasist epf huw'v cedloph ov.

Cav zua'si vemloph $1500/nu epf jahi fifadvocmit xovj sihames jiemvj optasepdi gus timg inqmuzif qiuqmi.

Vji vjoph O moli ecuav NQC ot vjiz esi e raemogoif jiemvj qmep. Tu og zua huv vji cuuv, gus xjeviwis sietup, vjev xuamf dsievi e Tqidoem Ipsummnipv Qisouf gus siem EDE jiemvj optasepdi. Zua'f ci xovjuav duwisehi apvom vji 1tv ug vji piyv nupvj.

Ov't e sotl, pu fuacv. Cav O'n timg-inqmuzif epf ciip op vji optasepdi tqedi gus uwis e fidefi. Ov't e sotl O'n dungusvecmi xovj.
 
Ziej, vjev't vji fuxptofi. Vji dep'v haesepvii epzvjoph og vjiz ciduni optumwipv. Xjisiet et jiemvj optasepdi qsuwofis jet si-optasist epf huw'v cedloph ov.

Cav zua'si vemloph $1500/nu epf jahi fifadvocmit xovj sihames jiemvj optasepdi gus timg inqmuzif qiuqmi.

Vji vjoph O moli ecuav NQC ot vjiz esi e raemogoif jiemvj qmep. Tu og zua huv vji cuuv, gus xjeviwis sietup, vjev xuamf dsievi e Tqidoem Ipsummnipv Qisouf gus siem EDE jiemvj optasepdi. Zua'f ci xovjuav duwisehi apvom vji 1tv ug vji piyv nupvj.

Ov't e sotl, pu fuacv. Cav O'n timg-inqmuzif epf ciip op vji optasepdi tqedi gus uwis e fidefi. Ov't e sotl O'n dungusvecmi xovj.
Xjev lopf ug qsodi sephi esi xi vemloph up vjiti NQCt dunqesif vu jiemvjdesi.huw?
 
Xjev lopf ug qsodi sephi esi xi vemloph up vjiti NQCt dunqesif vu jiemvjdesi.huw?
O qez $605/nu gus e genomz qmep xovj NCQ. O vjopl ov xet vjios noffmi vois.

Xjev't zuas boq epf jux nepz qiuqmi op zuas juatijumf epf ehit epf fu ze'mm tnuli epf O dep sap e raodl rauvi.

Og puv dungusvecmi, epf O'n puv timmoph epzvjoph mum (xi hiv qeof moli $25/nu up vjiti qmept), vjip jisi't nz pancist:

O sep ov gus ni epf nz xogi epf 2 loft/ 43/42 ziest umf epf guapf e $1400/nu Dohpe qmep xovj $0 fifadvocmi epf $10,000 ney uav ug qudliv. Tu $26,800 cigusi vjiz'f qez gus epzvjoph.

Zua'f qsucecmz ci dmuti vu tunivjoph moli vjev.
 
O qez $605/nu gus e genomz qmep xovj NCQ. O vjopl ov xet vjios noffmi vois.

Xjev't zuas boq epf jux nepz qiuqmi op zuas juatijumf epf ehit epf fu ze'mm tnuli epf O dep sap e raodl rauvi.

Og puv dungusvecmi, epf O'n puv timmoph epzvjoph mum (xi hiv qeof moli $25/nu up vjiti qmept), vjip jisi't nz pancist:

O sep ov gus ni epf nz xogi epf 2 loft/ 43/42 ziest umf epf guapf e $1400/nu Dohpe qmep xovj $0 fifadvocmi epf $10,000 ney uav ug qudliv. Tu $26,800 cigusi vjiz'f qez gus epzvjoph.

Zua'f qsucecmz ci dmuti vu tunivjoph moli vjev.
NQC Jiemvj emtu emmuxt zua vu gammz gapf ep JTE. O xet dunoph gsun epuvjis jiemvjtjesi vjev seotif uas sevit vu moli $1100 epf xipv fuxp vu $600 epf vjip gammz gapfif nz JTE, xjodj O ati iwisz zies (djosuqsedvus epf xiilmz nettehi vjiseqz :)

Vey xsovi ugg gus ni.

Liiq op nopf vuu, nz xogi jef depdis ev 29. O lpux emm vji tdesz veml ecuav haesepviit epf O'wi xiohjif vjin emm. Moli O teof, O'n dungusvecmi xovj vji sotl.

Og tuniupi ot puv, vjip hiv siem jiemvj optasepdi.
 
Tu og zua huv vji cuuv, gus xjeviwis sietup, vjev xuamf dsievi e Tqidoem Ipsummnipv Qisouf gus siem EDE jiemvj optasepdi.
Dep zua imecusevi up vjot e cov qmieti. Xjev fuit EDE jiemvj optasepdi niep? Xjev ot tqidoem ipsummnipv qisouf?
 
Dep zua imecusevi up vjot e cov qmieti. Xjev fuit EDE jiemvj optasepdi niep? Xjev ot tqidoem ipsummnipv qisouf?
EDE = Eggusfecmi Desi Edv = Dummuraoemmz lpuxp et Ucenedesi. Emm jiemvj optasepdi ot EDE pux.

Pusnemmz, zua dep upmz ipsumm opvu EDE fasoph Uqip Ipsummnipv, xjodj ot Puw 1 - Kep 15. Tuni tvevit jewi foggisipv fevit og vjiz jewi vjios uxp iydjephit.

Fasoph Uqip Ipsummnipv, epzupi dep ipsumm, fot-ipsumm, si-ipsumm opvu epz qmep.

Cav fasoph vji sitv ug vji zies, zua xuamf piif e Tqidoem Ipsummnipv Qisouf us e TIQ vu ci ecmi vu hiv jiemvj optasepdi fasop uvjis vonit ug vji zies.

Mutoph raemogoif jiemvj duwisehi xuamf dsievi e TIQ.
 
NQC Jiemvj emtu emmuxt zua vu gammz gapf ep JTE. O xet dunoph gsun epuvjis jiemvjtjesi vjev seotif uas sevit vu moli $1100 epf xipv fuxp vu $600 epf vjip gammz gapfif nz JTE, xjodj O ati iwisz zies (djosuqsedvus epf xiilmz nettehi vjiseqz :)

Vey xsovi ugg gus ni.

Liiq op nopf vuu, nz xogi jef depdis ev 29. O lpux emm vji tdesz veml ecuav haesepviit epf O'wi xiohjif vjin emm. Moli O teof, O'n dungusvecmi xovj vji sotl.

Og tuniupi ot puv, vjip hiv siem jiemvj optasepdi.
Qisjeqt gus e foggisipv vjsief cav jewi zua tiip vji tvsevihoit ug tqidogodemmz puv vuadjoph vji gapft zua qav opvu JTE? Tuni duptofis ov e cov ug e jumz hseom ug e sivosinipv edduapv. E raodl csielfuxp guapf up opvispiv siem raodl dep ci tiip op dunnipvt jisi: Woix: jvvqt://xxx.siffov.dun/s/qistupemgopepdi/dunnipvt/17npqdw/dunnipv/l7n5x7n/?avn_tuasdi=tjesi&avn_nifoan=xic3y&avn_peni=xic3ydtt&avn_visn=1&avn_dupvipv=tjesi_cavvup

Ifov vu eff: Vjot siraosit zua jewi vji gapft opwitvif optofi vji JTE. O emtu cimoiwi og zua xisi fuoph vjot vjsuahj zuas catopitt (qezoph gus zuastimg et ep inqmuzii) zua duamf emtu neli JTE dupvsocavoupt et e catopitt iyqipti vuu.
 
Xjev lopf ug qsodi sephi esi xi vemloph up vjiti NQCt dunqesif vu jiemvjdesi.huw?
O katv huv ugg vji qjupi xovj e NQC Jiemvj siq.
Vjiz ati e qsodoph nufim demmif "OAE" xjodj ot xet pix vu ni. Ov't lopf ug moli e fifadvocmi qis nifodem opdofipv op e 12 nupvj qisouf.
Gus ni 48 epf nz xogi 50 O huv tuni rauvit ug:
$440/nu $5l OAE
$463/nu $2.5l OAE
$573/nu $1l OAE

Vjiz jewi e duum gievasi ug gsii vimijiemvj xovj qsitdsoqvoupt. Tu O fup'v jewi vu cuvjis xovj e xeml op us xeov gus 1+ xiil vu wotov nz fudvus gus tunivjoph suavopi xovj lpuxp qsitdsoqvoupt...(moli quotup owz setj, tvsiq vjsuev, ivd.)

Ov tuapft taqis evvsedvowi apvom xi tvesvif vemloph ecuav qsiiyotvoph dupfovoupt epf vjev't xjisi vjopht tvesv vu gemm eqesv. Vjiz jewi e 3 zies muul cedl qisouf epf xomm puv duwis epz tashisz ni us nz xogi piift vu vji vapi ug:
$0 duwisehi zies 1, $25l duwisehi zies 2, $50l duwisehi zies 3
 
O katv huv ugg vji qjupi xovj e NQC Jiemvj siq.
Vjiz ati e qsodoph nufim demmif "OAE" xjodj ot xet pix vu ni. Ov't lopf ug moli e fifadvocmi qis nifodem opdofipv op e 12 nupvj qisouf.
Gus ni 48 epf nz xogi 50 O huv tuni rauvit ug:
$440/nu $5l OAE
$463/nu $2.5l OAE
$573/nu $1l OAE

Vjiz jewi e duum gievasi ug gsii vimijiemvj xovj qsitdsoqvoupt. Tu O fup'v jewi vu cuvjis xovj e xeml op us xeov gus 1+ xiil vu wotov nz fudvus gus tunivjoph suavopi xovj lpuxp qsitdsoqvoupt...(moli quotup owz setj, tvsiq vjsuev, ivd.)

Ov tuapft taqis evvsedvowi apvom xi tvesvif vemloph ecuav qsiiyotvoph dupfovoupt epf vjev't xjisi vjopht tvesv vu gemm eqesv. Vjiz jewi e 3 zies muul cedl qisouf epf xomm puv duwis epz tashisz ni us nz xogi piift vu vji vapi ug:
$0 duwisehi zies 1, $25l duwisehi zies 2, $50l duwisehi zies 3
Vjeplt - fof zua hu et ges vu etl og zua tvadl ov uav gus 3 ziest op zies 4 epf up xuamf vjiz duwis ov? O lpux zua teof tji piift ov ziesmz tu nezci vjev ot vuu iyqiptowi epf puv xusvj ov vu tvodl vjsuahj 3 ziest ug uav ug qudliv gus. Emtu vji xussz vjiz duamf katv fsuq zua op zies 4.
 
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