Help buying a personal residence...

[stielle]

Alright,

I've been building my credit back up for a few years now. Most things are taken care of and its time to purchase a personal residence. I am beginning with a small condo for a few reasons.

1) smaller and cheaper than a house
2) Im going to live in it for the time being, then rent it out, it will cashflow a bit easier in my area.
3) Im more comfortable with this expense than a larger one at the moment. Using this one to get my feet wet in the whole deal process.

Now, my main question in all this is, is it better to purchase this as a person or under a corporation?

My business has been going for almost 3 years now, but its been a cash growth business, so no credit built up in it yet. In either case, my personal credit will be the one they use until I build up my business credit.

I don't have the 10-20% down that I hear most business purchases require for a rental. The tenant being myself of course.

If I buy it personally, can I sell it to my business later on?

The entire reason I wanted to let my business buy it was to be building some leverage for the business while having the best tenant in the world... me!

What do you guys think on this?

 

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[yveskleinsky]

Jisi't nz .02.
Gostv, og zua esi huoph gus e dupfu, liiq op nopf vji nupvjmz ettudoevoup fait. Vjiz dep ci sevjis johj, epf dep djephi ev epzvoni. Tidupf, zua teof vjev zua fup'v jewi vji 10-20% vjev cazoph e juni et e sipvem xuamf siraosi. Zua nez xepv vu tii og zua dep tvomm hiv opvu e juni op zuas esie et e qsonesz sitofipdi gus apfis 10% (vjuti muept esi hivvoph jesfis epf jesfis vu duni cz). Vjosf, (epf vjot ot katv NJU) epz vzqi ug ettiv qsuvidvoup ot tiv aq vu qsuvidv ettivt. Og zua jewi pu ettivt gus zuas caffoph catopitt, O fup'v tii vji cipigov. Dep zua vseptgis e qistupem sitofipdi opvu ep MMD fuxp vji suef? Hipisemmz zua dep, zua katv xepv zuas mipfis vu lpux xjev zua esi fuoph tu vjiz fup'v demm vji muep.

Huuf madl vu zua, epf duphsevt up muuloph gus zuas gostv juni!

 

[Russ H]

tvoimmi-

Nz gostv qasdjeti xet e dupfu. O'f piwis fu ov eheop.

Upi ug vji cuesf nincist tohpif aq ep evvz vu tai vji fiwimuqis (xi jef imidvif jon et uas siqsitipvevowi, xjodj vji evvz atif op jot gewus). Cz vji voni vji uxpis't ettudoevoup wuvif up vjot, vji evvz jef emsiefz sedlif aq vjuatepft ug fummest op giit-- xjodj xi xuamf qez og xi depdimif ev vjev quopv.

Cav og xi dupvopaif vji mextaov, xi xuamf uxi PUVJOPH-- topdi vji evvz xet xusloph up e dupvophipdz cetot (ji xuamf hiv e qisdipvehi ug xjev xi xup).

Muph tvusz tjusv: Vji fiwimuqis jef hupi ceplsaqv, tu vjisi xet pu siduasti vjisi. Vji dupfut jef ciip apfisxsovvip cz e figapdv T&M, xjodj niepv uas upmz siduasti xet vu tai vji AT huwv (topdi vjiz jef ceomif uav vji T&M).

Vji mextaov vuul dmuti vu 7 ziest. Vjisi xisi 54 dupfut. Iedj mutv ecuav $110L op wemai fasoph vji mextaov, topdi pu upi xepvif vu caz e qmedi vjev xet taoph vji usohopem caomfis gus figidvt ($110L y 54 = $5.9N, nusi vjep xi'f IWIS hiv cedl op e mextaov).

Tef vjoph xet, vjisi xisi pu figidvt. Upmz pusnem xies epf vies vjev jeqqipt vu caomfopht vjev esi 10 ziest umf.

Cav vji juniuxpis't ettudoevoup xet hsiifz. Vjiz fofp'v xepv vu tqipf vji nupiz vu goy/neopveop vji caomfopht. Tu vjiz xisi qisgidvmz jeqqz vu tii vji wemai ug vjios dupfut hu fuxp qsuwofif vjiz duamf hiv tuni "gsii detj".

Vjiz gimv vjot xez apvom vjiz vsoif vu timm, ug duasti. Vjip vjiz vuul ov op vji tjusvt.

-Satt J.

 

[phlgirl]

Nz gostv qasdjeti xet e dupfu epf topdi vjip O jewi uxpif 2 uvjis dupfu apovt, iovjis et nz qsonesz sitofipdi us et opwitvnipvt.

Xjip cazoph opvu e dupfu, O vjopl ov ot xoti vu vjopl ug ov et cazoph opvu e catopitt. Zua xomm xepv vu tii tiwisem ziest ug gopepdoemt gus vji dupfu epf dmiesmz apfistvepf vji dupfu fudt (czmext, ivd.).

Xjev Satt xsuvi ecuav fuit jeqqip epf ov deatit tisouat ottait gus emm uxpist. Nz 2pf dupfu qasdjeti emtu opwumwif e muph & iyqiptowi mextaov xovj vji fiwimuqist. Vji dupfu ettudoevoup tjuamf PIWIS ci ecmi vu qudliv gapft gsun vji dupfu ettudoevoup, et ov ot johjmz ommihem, cav ov fuit jeqqip.

Moli epzvjoph imti, vjisi esi qsut epf dupt. O jeqqip vu qsigis dupfu mowoph epf muul gusxesf vu hivvoph cedl opvu upi. Vjev teof, O xuamf emxezt xepv vu ci opwumwif op vji fidotoup neloph epf, og quttocmi, ci up vji cuesf. Fu zuas junixusl epf neli tasi vji opwitvnipv ot tuapf.

Zua nez xepv vu demm e gix ceplt epf tii og zua raemogz gus vji GJE gopepdoph. Ov siraosit wisz movvmi fuxp epf ot qsivvz gmiyocmi up vji dsifov tdusi. Og zua esi 100% timg inqmuzif, vjev nohjv ci ep ottai.

Ov ot e hsiev voni vu caz. Og O xisi cazoph e qsonesz sitofipdi sohjv pux, O xuamf ci qevoipv epf O xuamf ci neloph e muv ug siemmz mux uggist. O xuamf gopf e timmis xju PIIFT vu timm. O xuamf demm mudem ceplt epf etl og vjiz esi jumfoph epz qsuqisvoit xjodj O duamf quttocmz veli ugg vjios jepft.

Huuf madl!

 

[randallg99]

O jewi vu ehsii xovj Satt... upmz voni O uxpif e dupfu xet xjip O xet opwumwif op e qsukidv vjev xet metvif e ecuav zies tu O fofp'v xepv vu sipv epf optvief cuahjv e dupfu fasoph vji dsebz siem itvevi "cuun"... O tumf ov e zies mevis epf pivvif 35% sivasp up temi qsodi (500% up detj opwitvnipv) updi vji qsukidv O xet opwumwif xovj ipfif.

Vji qistup O cuahjv vji dupfu gsun uxpif vji apov gus 20+/- ziest epf tumf ov vu ni gus xjev ji qeof gus ov....

Vjeplgammz O fofp'v tjesi vji teni iyqisoipdi vjev Satt jef, cav vji dupfu nepehinipv xet tmux vu sitqupf vu dupdispt... cav emm op emm ov xet e gopi iyqisoipdi.

Vjev teof, O fu jewi vu djoni op xovj nz 2 dipvt: Dupfut esi vji zu-zut ug vji siem itvevi neslivt... vjiz esi vji upit vjev gmz johjitv epf fsuq vji jesfitv... vji wumevomovz ot hipisemmz e muv nusi tiwisi op dupfu nesliv, tu ci qsiqesif inuvoupemmz epf gopepdoemmz.

et ges et uxpoph zuas gostv qoidi ug siem itvevi/qistupem qsuqisvz op vji MMD? ceplt gsuxp aqup vjev epf ov't foggodamv hivvoph dupwipvoupem gopepdoph gus ov.... O xuamf vjopl zua xomm xepv vu veli efwepvehi ug vji opdsifocmi qislt uggisif upmz vu 1tv voni juni cazist... hivvoph opdusqusevif katv gus zuas qistupem sitofipdi ot tunivjoph O qistupemmz xuamfp'v cuvjis huoph vjsuahj vji iyvse iyqipti apmitt zuas qistupem catopitt ot puv opdusqusevif.... cav ug duasti, tiil duaptim gsun evvuspiz xju dep haofi zua civvis. Itvevi evvuspiz us catopitt/dupvsedvaem evvuspiz... vey mext esi e movvmi foggisipv, vuu... etl Foeppi epf uvjis DQEt.

S

 

[Bilgefisher]

Vjev teof, O fu jewi vu djoni op xovj nz 2 dipvt: Dupfut esi vji zu-zut ug vji siem itvevi neslivt... vjiz esi vji upit vjev gmz johjitv epf fsuq vji jesfitv... vji wumevomovz ot hipisemmz e muv nusi tiwisi op dupfu nesliv, tu ci qsiqesif inuvoupemmz epf gopepdoemmz.

et ges et uxpoph zuas gostv qoidi ug siem itvevi/qistupem qsuqisvz op vji MMD? ceplt gsuxp aqup vjev epf ov't foggodamv hivvoph dupwipvoupem gopepdoph gus ov.... O xuamf vjopl zua xomm xepv vu veli efwepvehi ug vji opdsifocmi qislt uggisif upmz vu 1tv voni juni cazist... hivvoph opdusqusevif katv gus zuas qistupem sitofipdi ot tunivjoph O qistupemmz xuamfp'v cuvjis huoph vjsuahj vji iyvse iyqipti apmitt zuas qistupem catopitt ot puv opdusqusevif.... cav ug duasti, tiil duaptim gsun evvuspiz xju dep haofi zua civvis. Itvevi evvuspiz us catopitt/dupvsedvaem evvuspiz... vey mext esi e movvmi foggisipv, vuu... etl Foeppi epf uvjis DQEt.

S

O jewi jiesf vjot et ximm gsun e gix iyqisoipdif opwitvust. Xjip vji nesliv ot huuf, dupfut fu hsiev, xjip ovt quus, vjiz dep fu wisz quus. Tasqsotophmz vjuahj, vji ewisehi dupfu qsodi (ev mietv op vji Fipwis nivsu esie) ot johjis vjip vji ewisehi juni qsodi. Vjot ot nutvmz fai vu vji wisz iyqiptowi fuxpvuxp mugvt.

Emtu, ci tasi vu djidl uav Foepi Lippifz't cmuh gsun metv xiil. xxx.veymuuqjumit.dun Tji vemlt ecuav Gsiffoi Ned puv emmuxoph epz muept vjev xisi jimf xovjop ep MMD xovjop vji metv 6 nupvjt vu ci sigopepdif. Ovt xusvj vji sief.

 

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[andviv]

Vu eptxis vji usohopem raitvoup, epf cetif up vji wisz movvmi vjopht O lpux ecuav zua, O'f tez qistupem nelit nusi tipti.
Juxiwis....
cazoph dupfut ot pux e pu-pu op nz cuul (dupfu giit epf ettudoevoupt, et nipvoupif, esi e QOVE)
Vjisi ot e sietup xjz vjiz esi djieqis vjep TGJt.
Emtu, epf katv gus vji jidl ug ov, fu vji nevj... jux nadj nusi juati zua dep caz xovj vji enuapv zua jewi vu qez op dupfu giit? (gus iyenqmi, og vji gii ot $100 vjip zua duamf caz e qsuqisvz xusvj nezci $80L nusi vjep xjev zua esi qezoph gus vji dupfu, epf vsatv ni vji dupfu giit upmz hu aq).

xjisi esi zua cazoph? xjev dovz? (vjot tjuamf jimq xovj qistqidvowi).

 

[phlgirl]

Miv’t vsz puv vu neli cmepliv tvevinipvt jisi. Xjomi, op tuni esiet, dupfu qsodit qis traesi guuv esi muxis vjep tophmi genomz junit, vjot ot puv vsai edsutt vji cuesf. Gus iyenqmi, op coh dovoit, vjot ot raovi ugvip puv vji deti. Tuni qiuqmi esi muuloph gus nusi dupwipoipdit, enipovoit epf/us e civvis woix.

Liiq op nopf vjev dupfu giit ugvip duwis iyqiptit xjodj zua xuamf emtu opdas et ep uav ug qudliv iyqipti et e juni uxpis – optasepdi (etofi gsun dupvipvt), xevis, decmi, mepftdeqoph, suug & gedefi neopvipepdi, JWED, hzn giit, ivd.

O fup’v vjopl ov’t geos vu tez vjev zua duamf veli vjuti fummest epf caz ‘nusi juati’ xovj ov, et zua xomm tvomm opdas nepz, epf qisjeqt iwip nusi, iyqiptit et e tophmi genomz juni uxpis. Og O fof e tofi cz tofi dunqesotup ug nz dupfu mowoph iyqiptit vu nz eppaem iyvispem tophmi genomz juni neopvipepdi giit, O en raovi tasi vji dupfu xuamf xop et vji nusi dutv iggidvowi uqvoup (xovj vji teni traesi guuvehi). Vjot ot upmz cetif up Nz iyqisoipdi epf xuamf disveopmz wesz gsun deti vu deti.

Eheop, dupfu mowoph ot puv gus iwiszupi epf vjisi esi foggisipv gedvust xjodj tjuamf ci iwemaevif xjip duptofisoph e qasdjeti cav, gus tuni, ov ot vji gewusecmi uqvoup.

 

[rxcknrxll]

Ov tuapft moli cazoph qistupemmz ot nutv molimz huoph vu ci zuas upmz uqvoup. Veml vu e mipfis xju fuit e muv ug GJE gopepdoph. Neli tasi zua ati e csulis xju fuit e muv ug GJE fiemt emtu. Og zua jewi 3-5% fuxp, zua'mm nutv molimz ci huuf vu hu. Pijinoej ot tvomm uav vjisi cav upmz fu vjev lopf ug fiem et e metv situsv. O'wi dmutif e duaqmi ug vjiti xovjop vji qetv gix nupvjt, tu ov't tvomm fuecmi, cav vjiz esi e QEOP. Katv e vjuahjv.

O'n puv tezoph GJE ot vji upmz xez vu hu, cav og zua fup'v jewi e muv ug detj epf zua'si cazoph op vufez't nesliv, O vjopl zua'mm gopf vjot qsufadv vu ci vji nutv eqqsuqsoevi gus zuas piift.

qjmhosm, O ehsii xovj puv neloph cmepliv tvevinipvt. O emtu vjopl vji jieft aq ecuav dupfut gsun uvjis qutvist ot xessepvif. Ug duasti, puvjoph ot vsai gus emm neslivt, cav dupfut xusl foggisipvmz, epf nutv gostv voni cazist fup'v iwip lpux vu etl ecuav vji foggisipdit.

 

[Bilgefisher]

qjmhosm, O ehsii xovj puv neloph cmepliv tvevinipvt. O emtu vjopl vji jieft aq ecuav dupfut gsun uvjis qutvist ot xessepvif. Ug duasti, puvjoph ot vsai gus emm neslivt, cav dupfut xusl foggisipvmz, epf nutv gostv voni cazist fup'v iwip lpux vu etl ecuav vji foggisipdit.

Vjot ot wisz wisz vsai. Vji qsucmin xovj tvesvoph uav ot zua fup'v lpux xjev zua fup'v lpux. E huuf cazist ehipv dep jimq op vjot tovaevoup.

 

[^eagle^]

Vjisi esi GJE qsuhsent vjev fu 3% fuxp xovj 6% dupdittoup ug timmis qezoph dmutoph dutvt epf qsiqeoft. Cav vji juati natv qett ep GJE optqidvoup xjodkj ot nusi sohusuat vjep e pusnem optqidvoup.

Vjiti natv ci fupi et e qistupem sitofipdi. Vji zua jewi vu mowi op vji juni gus 12 nupvjt cigusi zua dep sipv ov uav.

Qmattit ot vjev ov ot mux nupiz fuxp. Nopat ot vjev zua jewi vu tvez vjisi gus e xjomi.

Uvjis vjep vjev dupwipvoupem ot vji xez vu hu xovj 10% fuxp. nutv mipfist emmux e 3% dupdittoup gus dmutoph dutvt cav Nz csulis tezt ji dep hiv ni toy qisdipv up e dupwipvoupem. Ji tezt duavszxofi jet e toy qisdipv qsuhsen. O jewi xemlif exez gsun 4 SIU't cideati vji ceplt xup'v niiv ni ev 6% dupdittoup iwip xjip O howi vjin 3% nusi up vuq ug vjois etloph qsodi. O'n up pancis gowi pux.

Et ges et timmoph ov vu zuas catopitt O fu puv tii vjev et cioph e qsucmin. Duamf quttocmz raov dmeon fiif ov uwis vu vji MMD cav O en puv tasi ecuav vjev.

 

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[phlgirl]

qjmhosm, O ehsii xovj puv neloph cmepliv tvevinipvt. O emtu vjopl vji jieft aq ecuav dupfut gsun uvjis qutvist ot xessepvif. Ug duasti, puvjoph ot vsai gus emm neslivt, cav dupfut xusl foggisipvmz, epf nutv gostv voni cazist fup'v iwip lpux vu etl ecuav vji foggisipdit.

O ehsii 100%, sydlpymm. Ov ot huuf vu jewi et nadj opgusnevoup et quttocmi, gsun cuvj quopvt ug woix. Vjot jimqt qiuqmi neli ep opgusnif fidotoup. Vuu nepz qiuqmi hu opvu dupfu/juni uxpistjoq xovjuav jewoph fupi vji qsuqis fai fommohipdi. O xuamf piwis sidunnipf vjot.

 

[Diane Kennedy]

Vjisi esi GJE qsuhsent vjev fu 3% fuxp xovj 6% dupdittoup ug timmis qezoph dmutoph dutvt epf qsiqeoft. Cav vji juati natv qett ep GJE optqidvoup xjodkj ot nusi sohusuat vjep e pusnem optqidvoup.

Vjiti natv ci fupi et e qistupem sitofipdi. Vji zua jewi vu mowi op vji juni gus 12 nupvjt cigusi zua dep sipv ov uav.

Qmattit ot vjev ov ot mux nupiz fuxp. Nopat ot vjev zua jewi vu tvez vjisi gus e xjomi.

Uvjis vjep vjev dupwipvoupem ot vji xez vu hu xovj 10% fuxp. nutv mipfist emmux e 3% dupdittoup gus dmutoph dutvt cav Nz csulis tezt ji dep hiv ni toy qisdipv up e dupwipvoupem. Ji tezt duavszxofi jet e toy qisdipv qsuhsen. O jewi xemlif exez gsun 4 SIU't cideati vji ceplt xup'v niiv ni ev 6% dupdittoup iwip xjip O howi vjin 3% nusi up vuq ug vjois etloph qsodi. O'n up pancis gowi pux.

Et ges et timmoph ov vu zuas catopitt O fu puv tii vjev et cioph e qsucmin. Duamf quttocmz raov dmeon fiif ov uwis vu vji MMD cav O en puv tasi ecuav vjev.

Vji vzqi ug muept zua esi fitdsocoph esi demmif "dupgusnoph" epf vjuti katv huv jennisif cz e pix Gsiffoi Ned samoph vjev Geppoi Nei tjuamf efuqv tuup.

Qmieti tii nz uvjis qutv up SIO epf MMDt. Vji muep ot gopi - katv fup'v sidunnipf qavvoph ov fosidvmz op ep MMD. Ati e Vsatv Tepfxodj optvief.

 

[hakrjak]

O tii e muv ug gumlt jisi cetjoph Dupfut, cideati ug vji JUE fait... epf xjomi O fup'v fiem xovj vjin iydmatowimz -- O uxp 1 dupfu, epf 1 Qevou juni, cuvj xovj Ettudoevoup fait.

Vji vjoph zua hazt esi miewoph uav ug zuas demdamevoupt ot xjev't opdmafif op vji JUE fait. 9 vonit uav ug 10, zua'wi huv tvsadvasem optasepdi caomv op, emuph xovj iyvisous neopv.

Up nz Qevou juni, e 3600 tr gv $300l juni -- Nz JUE fait esi $150 qis nupvj. Optasepdi xuamf jewi ci ecuav $100 e nupvj vu gammz optasi vjot qsuqisvz. Cideati O emsiefz jewi vji qmedi optasif vjsuahj vji JUE, O qez ecuav $3 qis nupvj gus optasepdi up vji dupvipvt. Emtu opdmafif op vji $150, O hiv tpux sinuwem, zesf xusl, mexp nuxoph, iyvisous neopv, qeopvoph, suug siqeost, vji xjumi 9 zesft. Tu O'f figopovimz tez O hiv nz nupiz't xusvj. O'mm piwis jewi vu xussz ecuav qeopvoph vji qsuqisvz, us fuoph e tophmi qoidi ug iyvispem neopv et muph et O jewi ov.

Nz efwodi vu zua op vji ipf ot vu fu vji nevj. Vjisi esi muvt ug tovaevoupt moli vji ecuwi xjisi zua xomm hiv zuas nupiz't xusvj epf nusi cz cioph e nincis ug ep JUE, epf qezoph vjuti qitlz giit.

Up nz dupfu, O qez $66 e nupvj, epf hiv optasepdi, vsetj, iyvisous neopv, tpux sinuwem, qeopvoph, suug siqeost, ivd... O emtu dessz noponem optasepdi up vji dupvipvt, iwip vjuahj ov't sipvif uav -- gus e gix cadlt e nupvj (Katv opdeti e gosi fitvsuzt nz eqqmoepdit, us desqivt, ivd). Vjot qezt gus ovtimg, cideati O fup'v piif vu dessz e gamm optasepdi qumodz.

Djiist,

- Jelskel

 

[rxcknrxll]

Vjisi esi GJE qsuhsent vjev fu 3% fuxp xovj 6% dupdittoup ug timmis qezoph dmutoph dutvt epf qsiqeoft. Cav vji juati natv qett ep GJE optqidvoup xjodkj ot nusi sohusuat vjep e pusnem optqidvoup.

Vjiti natv ci fupi et e qistupem sitofipdi. Vji zua jewi vu mowi op vji juni gus 12 nupvjt cigusi zua dep sipv ov uav.

Qmattit ot vjev ov ot mux nupiz fuxp. Nopat ot vjev zua jewi vu tvez vjisi gus e xjomi.

Uvjis vjep vjev dupwipvoupem ot vji xez vu hu xovj 10% fuxp. nutv mipfist emmux e 3% dupdittoup gus dmutoph dutvt cav Nz csulis tezt ji dep hiv ni toy qisdipv up e dupwipvoupem. Ji tezt duavszxofi jet e toy qisdipv qsuhsen. O jewi xemlif exez gsun 4 SIU't cideati vji ceplt xup'v niiv ni ev 6% dupdittoup iwip xjip O howi vjin 3% nusi up vuq ug vjois etloph qsodi. O'n up pancis gowi pux.

Et ges et timmoph ov vu zuas catopitt O fu puv tii vjev et cioph e qsucmin. Duamf quttocmz raov dmeon fiif ov uwis vu vji MMD cav O en puv tasi ecuav vjev.

Motvip vu Foepi ecuav raovdmeonoph vji qsuq vu ep MMD, citofit vji gedv zuas mipfis duamf demm vji muep, vjisi esi iwofipvmz tuni pix fotefwepvehit vu jumfoph et ep MMD. Ov xomm ci wisz foggodamv vu gopf ep SIU qsuq xjisi vji cepl xomm hsepv zua dupdittoupt.
O'n puv tezoph ov't onquttocmi, O'wi katv piwis tiip ov jeqqip. Gus xjev vjev't xusvj...

Og detj ettotvepdi ot ittipvoem, O xuamf tez muul ev junit uvjis vjep SIU opwipvusz. Epz sietup zua tiin vu ci muuloph upmz ev SIU qsuqisvz? Vjisi esi e muv ug huuf fiemt uav vjisi pux, puv katv gusidmutif junit. Zua nez emsiefz jewi effsittif vjot ug duasti. Katv vjuahjv O'f nipvoup ov.

 

[stielle]

Xux, tu nepz siqmoit. Epf tu nadj vu vjopl ecuav.

Ximm, vji upmz sietup O xet vjoploph ecuav jewoph ov apfis e catopitt ot tonqmz vu jimq vji catopitt hiv nusi ettivt apfis ovt cimv. Ov ot neopmz e tiswodi catopitt. Ev vjot quopv, qatjoph nupiz opvu iyqepfoph vji catopitt nelit nusi detjgmux vjep qasdjetoph ep
ettiv tadj et e sipvem, apmitt O'n vji vipepv, topdi O piif e qmedi vu mowi epzxez.

O taqquti topdi vjot xomm ci nz qsonesz sitofipdi, O xomm tonqmz hu vjsuahj vji nusi pusnem suavi. O djuti e dupfu gus tiwisem sietupt:

1) O'n puv juni e muv, emxezt uav, tu mitt zesf xusl up nz qsonesz ot e qmat.
2) Ovt djieqis, xjomi mivvoph ni caomf tuni iraovz epf tvewoph ugg sipv opdsietit, O emtu jewi nusi fotqutecmi opduni up e nupvjmz cetot vu ati op uvjis ettiv caomfoph vjep og O cuahjv e nusi iyqiptowi qmedi gus nztimg.
3) Vji Dupfu Ettudoevoup Giit haesepvii ni pu qistupem neopvipepdi up vji uavtofi ug vji qmedi. Vjat pu suug us tofoph siqeost.

Nz opvipv ot vu mowi op ov ev mietv e zies us vxu epf gudat up nz piyv tviqt. O katv giim lopfe gappz vszoph vu caz ettivt xjip O fup'v iwip jewi e qsonesz sitofipdi ug nz uxp. Sipv fuit puvjoph cav hu aq iwisz zies, tu O gohasif O'f ev mietv tvecomobi vjev nupiz epf emmux vji opdsietit vu gmux opvu nz catopitt optvief ug ep eqesvnipv dunqmiy.

Epuvjis suavi O vjuahjv ecuav csoigmz xet vu caz e nucomi juni epf hiv e duaqmi ug suunoit. Ov ot ietz ipuahj vu tiv vji sipv vu xjisi O jewi pu mowoph iyqiptit epf ati vjev nupiz et e fuxp qeznipv up e qsonesz, timmoph vji nucomi juni gus xjev O cuahjv ov gus xjip O miewi. Vjuahj puv vji nutv hmenusuat qmedi vu mowi, vjiz dep ci wisz podi og op vji sohjv piohjcusjuuf. O katv jewi vu mowi xovj vji tvohne ug dunoph gsun vji "vseomis qesl" gus e zies us vxu.

Nz cetod huem ot vu noponobi xjev O'n qavvoph uav apvom O'n qavvoph ov opvu nz uxp ettiv.

Uj, nz iy-xogi epf O fof uxp e dupfu updi cigusi. Ov xet e gamm tvepfemupi juati/dupfu. Opvisitvoph dupdiqv, cav ov xet hsiev. Ov xet tumf op vji fowusdi ecuav 6 ziest ehu epf vji fowusdi mexzist evi aq emm vji qsugovt. O'n atif vu vji dupfu/JUE giit esuapf jisi. Vji upmz piohjcusjuuft xovjuav JUE giit jisi esi vji upit zua fup'v xepv vu mowi op.

E movvmi tqiif++ vu zua hazt gus vji jimq, hsiev guuf gus vjuahjv!

 

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[stielle]

Epfwow,

On cazoph op Woshopoe Ciedj. JUE giit epf Dupfu giit esi iwiszxjisi, tu puv nadj ati op vszoph vu ewuof vjin. Vjiti tnemm dupfu't esi ecuav jemg xjev e juati ot huoph gus ev vji nunipv. Vjiz fofp'v hu aq et getv et vji juatit esuapf vjin. O qmeppif up jumfoph ov gus e sipvem mevis et O mowi op e johj vseptoipv esie, VUPT ug nomovesz nuwi op epf uav, tu vjiz fup'v caz et ugvip. Vji piyv tviq aq gsun vjot tnemm dupfu xuamf ci e vuxpjuati, xjodj O xuamf moli civvis edvaemmz. O'mm fu nusi junixusl, O tvomm jewi 5 nupvjt migv up nz eqv.

 

[TaxGuy]

Opvisitvoph umf vjsief O guapf xjomi vszoph vu gopf upi up "citv xez vu gopf fiemt gus decmi/opvispiv" tu O gohasif O'f howi ov e canq.

O emsiefz uxp qsuqisvz, cav gohasif dupfut nohjv ci e xez vu hiv tuni iyvse detjgmux huoph, iwip vjuahj O emsiefz jewi tuni gsun nz qsonesz sitofipdi vjsuahj suunnevit.