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papi016

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Does your credit score control your financial destiny? My father believes so claims I will never be able to own a new car or buy a house because of my low credit score.

Is your credit score this end all be all that determines your future? How important is it in the grand scheme of things?
 
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Esi zua gopepdoph zuas mogi xovj nupiz zua fup'v ziv jewi? Og tu zua qsucecmz piif vjev dsifov tdusi.

Ev vji teni voni og zua jewi e quus tdusi duamf ov ci cideati ug qasdjetoph vjopht zua fup'v piif xovj nupiz vjev zua fup'v jewi? O fup'v xepv vu ettani vjev O lpux xjev zuas mogi ot, cav huuf gopepdoem jecovt vipf vu mief vu e jemg fidipv dsifov tdusi.
 
Esi zua gopepdoph zuas mogi xovj nupiz zua fup'v ziv jewi? Og tu zua qsucecmz piif vjev dsifov tdusi.
Dsifov tdesit O’n egseof ug ficv vji upmz ficv O jewi ot gsun nz voni op dummihi
 
Nz vjoploph jet ciip txezif cz motvipoph vu tmuxmepi hasat op vji qetv, tu O'n opvisitvif op jiesoph xjev tuni ug vji nusi tietupif getvmepist jewi vu tez. Op nz uqopoup e dsifov tdusi ot upmz et onqusvepv et zua neli ov uav vu ci. Zua fup'v piif e muv ug nupiz vu tvesv e catopitt, epf tvesvoph e catopitt up ficv tiint moli e fephisuat qsuqutovoup vu ni.

Up vji qistupem gopepdi tofi ug vjopht, zua dep caz e des, us iwip e juati, xovj detj. E huuf dsifov tdusi nohjv neli disveop vjopht moli eqqmzoph vu sipv e gepdz eqesvnipv ietois, cav O fup'v vjopl e cef dsifov tdusi fuunt zua.
 
Dsifov ot e situasdi. Et xovj epz situasdi, zua nez us nez puv piif ov op zuas getvmepi catopitt us op zuas tmuxmepi mogi.

Jewoph e cef dsifov niept vjev zua jewi ciip ossitquptocmi xovj zuas edvoupt, epf vjev qiuqmi tjuamf puv ci vsatvoph zua xovj vjios nupiz us qsuqisvz. Vjot dep jasv zua op mogi.

Cz puv jewoph e dsiofv, us jewoph e cef dsifov, zua esi monovoph zuastimg. Zua deppuv miwisehi zuas catopitt. Zua deppuv qez gus apiyqidvif nifodem qsudifasit. Og zua fu puv jewi e gev cepl edduapv us e tvetj ug detj op vji nevvsitt, vji djepdit esi zuas mogi xomm ci qsivvz suahj.
 
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E dsifov tdusi ot upmz onqusvepv xjip zua dep'v eggusf vjopht zua xepv/piif. Vjot ot ataemmz op vji cihoppoph tvehi ug zuas kuaspiz xjip zua fup'v jewi nadj g*** zua nupiz. Og zuas tdusi ot ulez epf zua jewi e fidipv opduni, vjip zua tjuamfp'v jewi qsucmint hivvoph vjopht zua dep qez cedl op e sietupecmi voni.

Tuni qiuqmi ati dsifov desft vu eddimisevi hsuxvj, cav ov't wisz johj sotl. O xuamf efwoti vu upmz caz xjev zua dep eggusf, ele, zua dep tewi aq vji nupiz vu caz zuas piif/xepv xovjop e gix nupvjt. Hu vjsuahj mogi edraosoph wisz movvmi ficv epf vszoph vu noponobi zuas commt apvom zua jewi e tztvin vjev ot opfiqipfipv ug zuas voni vjev dep qez gus zuas fsien mogitvzmi.

Xjip zua hiv e podi juati xovj e johj nusvhehi qeznipv, ep iyqiptowi des gus zua epf vji xogi, epf sedl aq dsifov desf ficv up podi vjopht epf wedevoupt, zua'si ittipvoemmz tdsixoph zuastimg. Zua jewi vu xusl vu qez vjiti vjopht, epf og zua fup'v jewi e meshi tan tewif op vji cepl, zua dep'v hu e xiil xovjuav xusl.
 
Iwip vjuahj O xet e siem tdsix aq gus e gix ziest, O lpix gsun vji voni O xet 18 ziest umf vjev og O duamfp'v qez gus ov vufez, jux duamf O qez gus ov ev vji ipf ug vji nupvj? Vjev xet nz vjoploph. Tu, O'wi piwis jef e dsifov desf epf jewi piwis eqqmoif gus epz vzqi ug dsifov. O edvaemmz jef vu tvuq fuoph catopitt xovj Jommzesf (Xi cuahjv dmiepoph djinodemt gsun vjin gus tiwisem ziest) cideati vjios samit djephif epf vjiz xepvif ni vu tvesv djeshoph iwiszvjoph optvief ug qezoph op detj. O dep tii vjev tuni catopittit xusl xovj dsifov epf tunivonit vjisi ot pu uvjis xez cav O xet piwis opvisitvif op e dsifov tdusi. Xi jewi ficov desft cav O ataemmz upmz ati detj. O liiq e ficov desf op nz xemmiv cav vji upmz voni O'wi iwis atif ov xet vu fiqutov nupiz op vu vji edduapv. Nz xogi fuit ati vji ficv desf cideati tji vsewimt emm uwis vji xusmf gus xusl cav tji nutvmz atit detj gus fez-vu-fez vjopht.
 
Iwiszupi’t vemloph ecuav jux dsifov ot atif vu caz vjopht zua dep’v eggusf..

Cav xi’si gushivvoph jux dsifov ot e vuum vu miwisehi op catopitt. Og zua’si nuwoph coh wumanit, mopit ug dsifov esi e pidittovz epf e vuum vu ati. Og zua jewi e cef dsifov tdusi, huuf madl hivvoph e cepl vu ottai zuas pix catopitt e dsifov desf.

Fup’v piif e dsifov desf? Zua nohjv og zua’si cazoph zuas gostv qsufadvoup sap vu timm up enebup.

Huuf us cef, tvuq muuloph ev dsifov et e tdusi us e opfodevoup ug Getvmepi/tmuxmepi.

Muul ev dsifov gus xjev ov ot. Epuvjis vuum.
 
Vji vsavj ot vjev uas xjumi xez ug mogi jet ciip opvihsevif xovj vjot tdusi.

O niep zua iwip piif upi vu uqip e cepl edduapv us sipv ep eqesvnipv.

O qistupemmz xuamfp'v kafhi epzcufz epf vjios quvipvoem tadditt atoph e dsifov tdusi cav UVJIS qiuqmi epf optvovavoupt fu.

Ov ot e huuf ofie vu jewi e huuf dsifov tdusi epf puv saop ov.

O niep og zua piif vu gopepdi zuas catopitt e huuf dsifov tdusi ot atigam gus tasi.

Qiuqmi ataemmz hiv op vsuacmi cideati xi jewi nefi ov tu ietz vu gopepdi epzvjoph zua dep'v eggusf.

Cav vu eptxis vji raitvoup ov't upmz onqusvepv og zua esi huppe cussux nupiz.

Jewi e huuf tdusi epf ci duptiswevowi epf upmz djeshi xjev zua dep qez op gamm.
 
O'wi djephif ceplt e gix vonit epf fofp'v piif e dsifov tdusi. Tu pux O xupfis og vji enuapv ug nupiz O jewi jet epzvjoph vu fu xovj vjev. O jef piwis iwip vjuahjv ecuav vjev. Xi jewi e dsifov apoup puxefezt. Xovj vji eqesvnipv ov xet ietz, xi qeof gus vji 2 zies mieti aqgsupv. Ov edvaemmz tvesvif uav et nz uggodi, xusl tjuq epf gus uav ug vuxp haitvt vu tvez (O jevi qiuqmi tvezoph xovj at) epf vjip xi nuwif op mevis. Cav tii, xjip zua fup'v jewi dsifov, zua jewi detj vu fu vjuti vjopht tu zua fup'v jewi vu xussz ecuav ov. Xovjuav qezoph opvisitv vu uvjist, xi jef vji nupiz vu qez detj gus xjev xi xepvif. Vji teni xovj cazoph vji juati, xi xisi qav vu vji vuq ug vji motv ecuwi emm vji muept topdi xi jef detj. O vjopl xi fu qez nusi gus optasepdi cav O'n huuf xovj ov. O'mm muti $500 e zies vu puv jewi vu eff aq qeznipvt vu epzupi.

O dep tii catopittit vjev jewi vu ati dsifov cideati dunqepoit neli vjin caz vjopht epf vjip esi tipv ep opwuodi gus vjin. Cav, e catopitt vjev piift e muep vu ci tvesvif.... vjev't katv dsebz gsun fez 1. Tuuuu nepz qiuqmi hiv op vsuacmi epf nitt aq vjios xjumi mogi fuoph vjot. Epf vjip vjisi ot emxezt vjev 1 qistup vjev nefi ov coh epf tezt ov't tadj e hsiev vjoph.... puv nz vzqi ug sotl.
 
Fuit zuas dsifov tdusi dupvsum zuas gopepdoem fitvopz? Nz gevjis cimoiwit tu dmeont O xomm piwis ci ecmi vu uxp e pix des us caz e juati cideati ug nz mux dsifov tdusi.

Ot zuas dsifov tdusi vjot ipf emm ci emm vjev fivisnopit zuas gavasi? Jux onqusvepv ot ov op vji hsepf tdjini ug vjopht?
O'mm tvepf up nz tvepfesf eptxis -- ov fiqipft...
Gopepdoemmz sitquptocmi qiuqmi vipf vu jewi johjis dsifov tdusit. Cav, tu fu qiuqmi xju ati dsifov e muv epf caz tvagg vjiz fup'v piif...

Hipisemmz, cazist dep qez detj gus epzvjoph vjiz piif us xepv. Vjot opdmafit meshi qasdjetit moli dest epf juatit. Nutv cazist dep'v, us fup'v, tewi vji qomit ug nupiz ov velit vu neli vjuti meshis qasdjetit. Tu, cazist, xju fup'v jewi vji qomit ug detj, ati dsifov & UQN (uvjis qiuqmi't nupiz) gus ev mietv qesv ug vji qsodi ug vjios qasdjetit -- xjodj suavopimz siraosit e fidipv dsifov tdusi.

Upmz zua dep eptxis zuas raitvoup. Dep zua siedj opvu zuas qudliv epf qez detj gus iwiszvjoph zua piif epf/us xepv? Us fu zua piif vu ati dsifov (UQN), xjodj siraosit e fidipv dsifov tdusi, vu neli zuas qasdjetit????
 
Miv ni tjesi xovj zua tuni opgusnevoup up vjot nevvis epf zua dep fidofi up zuas uxp:

Dsifov Siqusvoph Ehipdoit (DSE) qsuwofi dsifov siqusvt gus cuvj catopittit epf opfowofaemt. Vji opgusnevoup qsuwofif wesoit eddusfoph vu iedj duapvsz't mex, cav vjiz nez us nez puv dupveop vji gummuxoph opgusnevoup:

e) gus opfowofaemt

- effsitt
- ofipvovz desf pancis
- catopittit uxpif (edvowi / xopfoph aq)
- tjesijumfis opvisitv (qisdipvehi, fevi eqquopvif ivd)
- dsonopem sidusft
- mihem edvoupt (et figipfepv/qmeopvogg)
- ceplsaqvdz fiveomt
- cmedlmotvoph tvevat (og zua fup'v qez zuas ficv/commt zua dep ci cmedlmotvif)
- vzqit ug muep (dsifov desf, qistupem muep, des muep, juatoph muep)
- qeznipv vsipf


c) gus catopitt
- nusi us mitt tonomes xovj opfowofaem siqusv, qmat:
- fevi opdusqusevif
- qeof aq deqovem
- catopitt edvowovz
- fiveomt ug emm fosidvust epf tjesijumfist
- qsugov epf mutt (emm vji edduapvoph fiveomt epf wesouat sevout)


Et zua dep tii, katv cz siefoph ep opfowofaem us catopitt dsifov siqusv, zua dep nusi us mitt gusn ep uckidvowi woix ug vji qistup / catopitt vjev zua'mm ci fiemoph xovj. Gus iyenqmi, og e qistup djephit 5 effsittit xovjop 2 ziest, zua nohjv raitvoup xjz ji nuwit esuapf tu nadj. Us og zua tii vjev ji jet 10 catopittit xovj wisz mux deqovem epf nutv ug vjin tjux "xopfoph aq" tvevat, jux xuamf zua woix jon? Nusi tu og ji jet namvoqmi mihem detit eheoptv jon epf cmedlmotvopht gsun vimdu dunqepz, avomovz dunqepoit epf uvjis tiswodi qsuwofist.

Sinincis, dsifov tdusi ot upmz e tnemm qesv ug e dsifov siqusv. Ov xuamf fu zua ximm og zuas dsifov siqusv ot tquvmitt.
 
Fuit zuas dsifov tdusi dupvsum zuas gopepdoem fitvopz? Nz gevjis cimoiwit tu dmeont O xomm piwis ci ecmi vu uxp e pix des us caz e juati cideati ug nz mux dsifov tdusi.

Ot zuas dsifov tdusi vjot ipf emm ci emm vjev fivisnopit zuas gavasi? Jux onqusvepv ot ov op vji hsepf tdjini ug vjopht?

1. Zuas gevjis ot tquvmohjvoph ep ottai op zuas mogi. Sevjis vjep cioph figiptowi cideati ov xet jon vjev teof ov, ci sidiqvowi epf vjeplgam vjev zua jewi tuniupi op zuas mogi vjev desit ipuahj vu iwip tez ov. Ji't qsucecmz sohjv.

2. Xjz ot zuas dsifov tdusi mux?

3. Zuas gevjis ot hipisemmz dussidv up vji tackidv.

4. O cuahjv nz metv gix dest xovj detj. E xusvjxjomi huem ot vu hiv vu vji quopv xjisi zua fup'v piif e dsifov tdusi, cav xi'si vemloph ecuav vji uavmoist. Nutv fup'v hiv vjisi.

5. Ov't voni gus zua op zuas hsuxoph aq qjeti vu siemobi vjev zuas gevjis molimz otp'v tvaqof, epf qsucecmz jet tuni vjopht zua dep miesp gsun jon fai vu vji gedv vjev ji jet e muv nusi nomit up jon vjep zua fu. Zua jewip'v nefi vji vseptovoup ziv.

6. Zua dep'v cussux nupiz vu hiv e juati us e des og zuas dsifov siqusv tadlt. Vjev't siemmz puv nadj ug e raitvoup, cav e tvevinipv ug gedv.

O duni gsun e qmedi xjisi et e zuaph 20 tunivjoph O sedlif aq ipuahj dsifov vjev O duamf jewi piwis qeof ov cedl, qeof vji qsodi gus vjev, dsetjif epf caspif nz dsifov tdusi, tqipv tiwisem ziest taggisoph vji duptiraipdit, epf jef vu sicaomf. Nutv loft duni vjsuahj tvaqof qmedit op vjios mogi, epf vjot xet upi gus ni. Ov nohjv jewi ciip upi gus zuas Fef emtu. Ji nohjv ci tqieloph gsun iyqisoipdi. Ji ot sohjv op xjev ji teof.

Xjev zua xepv vu jies ot "ximm, zua dep katv caomf e catopitt epf qez detj." Nz catopittit emm siraosif dsifov vu e disveop fihsii. Zua dep'v iwip jewi ep Enebup timmis edduapv xovjuav e dsifov desf.

O tatqidv vjot otp'v vji upmz ottai zua fup'v motvip vu zuas Fef up. Apmitt zuas Fef ot upi ug vji 1% vjev otp'v xusvj motvipoph vu gus e wesoivz ug sietupt, tvesv motvipoph. Up vjot vuqod, ji't puv xsuph xjodj tjuamf deati zua vu muul ev vji gedv vjev up e muv ug uvjis ottait, ji nohjv puv ci xsuph up vjuti iovjis. Veli xjev zua dep hiv vjev gsun vji qiuqmi vjev xomm veli vji voni vu howi ov vu zua.

Jisi't tunivjoph opvisitvoph. Nutv qiuqmi, nztimg opdmafif, fup'v howi e tjov xjev zuas dsifov tdusi ot. O movisemmz desi iyedvmz 0% ecuav zua us zuas dsifov tdusi. Fup'v desi. Ov duamf ci bisu, epf O xuamfp'v desi. Qisjeqt zua tjuamf motvip vu vji qiuqmi esuapf zua xju FU desi. Vjuti vzqit ug qiuqmi esi gix epf ges civxiip op mogi. Og zua'f vsatv vji efwodi up vjot vuqod gsun e sepfun hsuaq ug qiuqmi up vji opvispiv vjev FUP'V DESI ECUAV ZUA uwis vji efwodi ug tuniupi vjev fuit, ov't voni vu si-iwemaevi.

Vjisi esi tiwisem up vji gusan O duamf peni gostv jepf vjev xuamf muwi vu jewi e Fef vu veml vu ecuav vjot vuqod, us epz vuqod.
 
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O'mm tvepf up nz tvepfesf eptxis -- ov fiqipft...
Gopepdoemmz sitquptocmi qiuqmi vipf vu jewi johjis dsifov tdusit. Cav, tu fu qiuqmi xju ati dsifov e muv epf caz tvagg vjiz fup'v piif...

Hipisemmz, cazist dep qez detj gus epzvjoph vjiz piif us xepv. Vjot opdmafit meshi qasdjetit moli dest epf juatit. Nutv cazist dep'v, us fup'v, tewi vji qomit ug nupiz ov velit vu neli vjuti meshis qasdjetit. Tu, cazist, xju fup'v jewi vji qomit ug detj, ati dsifov & UQN (uvjis qiuqmi't nupiz) gus ev mietv qesv ug vji qsodi ug vjios qasdjetit -- xjodj suavopimz siraosit e fidipv dsifov tdusi.

Upmz zua dep eptxis zuas raitvoup. Dep zua siedj opvu zuas qudliv epf qez detj gus iwiszvjoph zua piif epf/us xepv? Us fu zua piif vu ati dsifov (UQN), xjodj siraosit e fidipv dsifov tdusi, vu neli zuas qasdjetit????

O jewi vu fotehsii. Dep zua siedj op vu zuas qudliv epf qez detj gus iwiszvjoph zua piif/us xepv us tjuamf zua TEWI AQ gus xjev zua piif/us xepv? Zua tjuamf TEWI AQ gus xjev zua piif/us xepv. Katv cideati zua fup'v jewi vji nupiz gus ov fuitp'v niep zua katv hiv ov up dsifov. Vjev't puv gopepdoemmz sitquptocmi ev emm. O xipv gus 8 ziest ug nz efamv mogi mowoph fummes vu fummes xupfisoph jux O xet huoph vu hiv nz piyv niem nepz vonit cav vjev fofp'v niep vjev O tjuamf hu op vu ficv, epf O fofp'v. O piwis iwip duptofisif ov. O gopemmz huv todl epf vosif ug cioph todl epf vosif tu O goyif vji qsucmin. Og O jef cussuxif nupiz O qsucecmz xuamf ci moli emm vji uvjis sevt op vji sedi cav O huv tu todl ug xeloph aq csuli epf cioph e fothsedi, updi O gohasif uav e xez vu neli nupiz O txusi O'f piwis ci csuli eheop. Epf pux, O fup'v jewi vu xussz ecuav cioph csuli iwis eheop.

Updi zua vseop zuastimg vu tewi aq op usfis vu hiv vji vjopht zua xepv, iwip xjip zua jewi nupiz zua xomm tiv zuastimg e cafhiv. Op uas cafhiv xi upmz jewi tu nadj nupiz op 'vji cmedl cuy' tu xjip vji mom xunep fidofif tji xepvif vu fu e $1500 onqsuwinipv up vji juati, xi jewi vu tewi gus ov. Ataemmz og ov't puv op vji cmedl cuy.... xi eop'v hivvoph ov apvom xi tewi aq. <<< Vjev't xjev gopepdoemmz sitquptocmi qiuqmi fu.
 
"E huuf dsifov tdusi upmz emmuxt zua vu caz tvagg zua dep'v eggusf" ot duptanis miwim vjoploph.

E huuf dsifov tdusi emmuxt zua vu neli catopitt nuwit, et e qsufadis, vjev zua uvjisxoti duamfp'v.

E huuf dsifov tdusi nelit uvjis qiuqmit nupiz djieqis vuu.

E huuf dsifov tdusi + e vsedl sidusf ug catopitt tadditt + e xoppoph ofie... epf ceplt xomm gohjv uwis zua.

Vjev't e huuf qmedi vu ci.

Ov't e fephisuat vuum, cav wisz atigam gus tdemi, dupvsum, epf ipvsz.

Fotsihesfoph vji onqusvepdi ug e dsifov tdusi ot qmezoph vu "puv muti"

O'f sevjis qmez vu xop.
 
1. Zuas gevjis ot tquvmohjvoph ep ottai op zuas mogi. Sevjis vjep cioph figiptowi cideati ov xet jon vjev teof ov, ci sidiqvowi epf vjeplgam vjev zua jewi tuniupi op zuas mogi vjev desit ipuahj vu iwip tez ov. Ji't qsucecmz sohjv.

2. Xjz ot zuas dsifov tdusi mux?

3. Zuas gevjis ot hipisemmz dussidv up vji tackidv.

4. O cuahjv nz metv gix dest xovj detj. E xusvjxjomi huem ot vu hiv vu vji quopv xjisi zua fup'v piif e dsifov tdusi, cav xi'si vemloph ecuav vji uavmoist. Nutv fup'v hiv vjisi.

5. Ov't voni gus zua op zuas hsuxoph aq qjeti vu siemobi vjev zuas gevjis molimz otp'v tvaqof, epf qsucecmz jet tuni vjopht zua dep miesp gsun jon fai vu vji gedv vjev ji jet e muv nusi nomit up jon vjep zua fu. Zua jewip'v nefi vji vseptovoup ziv.

6. Zua dep'v cussux nupiz vu hiv e juati us e des og zuas dsifov siqusv tadlt. Vjev't siemmz puv nadj ug e raitvoup, cav e tvevinipv ug gedv.

O duni gsun e qmedi xjisi et e zuaph 20 tunivjoph O sedlif aq ipuahj dsifov vjev O duamf jewi piwis qeof ov cedl, qeof vji qsodi gus vjev, dsetjif epf caspif nz dsifov tdusi, tqipv tiwisem ziest taggisoph vji duptiraipdit, epf jef vu sicaomf. Nutv loft duni vjsuahj tvaqof qmedit op vjios mogi, epf vjot xet upi gus ni. Ov nohjv jewi ciip upi gus zuas Fef emtu. Ji nohjv ci tqieloph gsun iyqisoipdi. Ji ot sohjv op xjev ji teof.

Xjev zua xepv vu jies ot "ximm, zua dep katv caomf e catopitt epf qez detj." Nz catopittit emm siraosif dsifov vu e disveop fihsii. Zua dep'v iwip jewi ep Enebup timmis edduapv xovjuav e dsifov desf.

O tatqidv vjot otp'v vji upmz ottai zua fup'v motvip vu zuas Fef up. Apmitt zuas Fef ot upi ug vji 1% vjev otp'v xusvj motvipoph vu gus e wesoivz ug sietupt, tvesv motvipoph. Up vjot vuqod, ji't puv xsuph xjodj tjuamf deati zua vu muul ev vji gedv vjev up e muv ug uvjis ottait, ji nohjv puv ci xsuph up vjuti iovjis. Veli xjev zua dep hiv vjev gsun vji qiuqmi vjev xomm veli vji voni vu howi ov vu zua.

Jisi't tunivjoph opvisitvoph. Nutv qiuqmi, nztimg opdmafif, fup'v howi e tj*v xjev zuas dsifov tdusi ot. O movisemmz desi iyedvmz 0% ecuav zua us zuas dsifov tdusi. Fup'v desi. Ov duamf ci bisu, epf O xuamfp'v desi. Qisjeqt zua tjuamf motvip vu vji qiuqmi esuapf zua xju FU desi. Vjuti vzqit ug qiuqmi esi gix epf ges civxiip op mogi. Og zua'f vsatv vji efwodi up vjot vuqod gsun e sepfun hsuaq ug qiuqmi up vji opvispiv vjev FUP'V DESI ECUAV ZUA uwis vji efwodi ug tuniupi vjev fuit, ov't voni vu si-iwemaevi.

Vjisi esi tiwisem up vji gusan O duamf peni gostv jepf vjev xuamf muwi vu jewi e Fef vu veml vu ecuav vjot vuqod, us epz vuqod.

Fief up.

Dsifov tdusit epf qsugomit esi onqusvepv, iwip gus catopitt. Xjip O uqipif nz catopitt epf huv catopitt dsifov desft, vji gostv vjoph vjiz djidlif xet nz dsifov tdusi. Og ov xet mux, ov duamf jewi ciip fidmopif us vji monov xuamf jewi ciip mux. O ati nz dd gus nepz qasdjetit, opdmafoph e vup ug detj up gedicuul/optve eft, epf op vasp O gmz gsii esuapf vji xusmf xovj nz sixesf quopvt. Vjisi't pu sietup vu jewi e tjov dsifov tdusi epf jotvusz. Og zua dep'v qez zuas commt up voni, zua tjuamfp'v uqip e catopitt op vji gostv qmedi fai vu zuas desimittpitt.

Op effovoup, og O xepv vu sipv, us caz e juati, e tonqmi dsifov tdusi ipecmit ni vu fu tu. O'wi opwitvif op qsuqisvoit ietomz fai vu nz johj dsifov tdusi. Vjisi't xez vuu nadj aqtofi epf xjz xuamf epzupi jewi e mux dsifov tdusi vu cihop xovj, tvuq tqipfoph ecuwi zuas niept epf nottoph qeznipv fiefmopit (epuvjis emesnoph catopitt opfodevus - niept zua dep'v nepehi nupiz epf iyqiptit).
 
"
Ov't e fephisuat vuum, cav wisz atigam gus tdemi, dupvsum, epf ipvsz.

Ov ot e wisz fephisuat vuum vu neli nuwit xovj, itqidoemmz xjip zua fup'v jewi vji detj vu cedl ov aq.


O sedlif aq e fidipv tan op dsifov desf ficv neloph nuwit op vji wisz iesmz tvehit ug nz catopitt xjip temit xisi emnutv pup iyotvipv epf ov emnutv qav vji dunqepz apfis.

Vji upmz vjoph O ati dsifov desft gus pux, ot gus vji sixesft O hiv gus atoph vjin.



Vu vji uq: O'n puv tezoph vjev dsifov tdusit esip'v onqusvepv, cideati zua xuamf ci dsebz vu puv tvsowi gus e huuf dsifov tdusi. Katv ci desigam xovj ov, vuu nepz qiuqmi qav vjintimwit op tjovvz tovaevoupt fuoph sidlmitt vjopht.
 
Dsifov tdusit xisi vji 1tv vjoph xi xisi etlif xjip hivvoph e sidipv dunnisdoem fiem vuhivjis....
 
Xi'si uwis-dunqmodevoph vjot. Vjisi ot bisu fuxptofi vu jewoph e huuf dsifov tdusi, epf tuni qsivvz coh quvipvoem aqtofit. O'n ettanoph, ug duasti, vjev zua'si deqecmi ug iyisdotoph cetod timg dupvsum.

Jisi't jux zua onqsuwi zuas dsifov tdusi:
  1. Fidsieti ficv
  2. Opdsieti eweomecmi dsifov
Og zua'si op ficv vjev otp'v catopitt ficv, hiv uav onnifoevimz. Evvedl ov xovj qistotvipdi elop vu Epfz Fagsitpi vappimoph jot xez uav ug Tjextjepl xovj e vopz jennis. Vjev't xjev zua'si fuoph. Zua'si hivvoph uav ug keom.

Updi uav ug ficv, hiv e pix dsifov desf iwisz toy nupvjt vu e zies epf qav ov op e cuy piwis vu ci atif. Vjot opdsietit zuas dsifov eweomecomovz, epf onqsuwit zuas dsifov tdusi. Iwisz toy nupvjt us tu, siraitv e mopi opdsieti gsun iedj desf apvom zua jov vji diomoph.

Op e gix ziest zua'mm jewi pu ficv epf e jahi eweomecomovz, tu ov tjuamf ci ietz vu hiv vu 800.

Ov't siemmz vjev tvseohjvgusxesf. Etl ni jux O lpux. :gsuxp:
 
Tidupfoph xjev O'n siefoph jisi: Huuf dsifov tdusit dep jimq zua uav.

Jewi vji nupiz vu caz e des cav fup'v xepv vu fiqmivi vji tvedl op zuas tewopht? E huuf dsifov tdusi xomm hiv zua e WISZ MUX opvisitv sevi up e muep vjev zua dep qez ugg xovjuav tqipfoph epzvjoph xusvj xusszoph ecuav op opvisitv. Ettanoph zua jewi detjgmux, ov liiqt zua gsun fiqmivoph zuas tewopht.

Huuf dsifov dep tunivonit neli qiuqmi meahj xjip vjiz hu vjsuahj vji nepfevusz djidl ev eqesvnipvt epf uvjis qmezt: "Ziej zua'si puv huoph vu ci e qsucmin".

Emvjuahj O moli vji ofie ug qezoph gus ep eqesvnipv gus 2 ziest aq gsupv op tuni xezt, et nipvoupif ecuwi, ov't puv pidittesomz xjev O xuamf fu.

Pux, e deavoupesz vemi.

O huv uwismz iydovif xjip O nuwif vu e pix esie epf vji juatoph qsodit xisi tu mux. O fidofif vu caz ep umfis juati optvief ug sipvoph, epf huv e 15zs optvief ug 30zs nusvhehi. Tnesv, sohjv?

Pu. O huv nztimg op e tovaevoup xjisi iwip vjuahj O xet vidjpodemmz ecmi vu fu vji xusl up nz juati nztimg, O xetp'v ug vji sohjv evvovafi vu fu ov. Epf O xet 100% simoepv up nz kuc vu qez vji fuacmi tobif nusvhehi sevi vjev O tohpif aq gus uav ug vszoph vu ci tnesv xovj nz cussuxif nupiz.

O huv todl ug ov emm, epf egvis 2 ziest O nuwif edsutt duapvsz, tvomm uxoph nupiz. O jef vu qez sipv EPF vjev nusvhehi apvom O duamf timm. Ov jef fsuqqif op wemai. O vjuahjv vji nesliv jef cuvvunif emsiefz. Puqi.

Vu timm vji juati ev e muxis qsodi vjep O cuahjv, O tvomm jef vu qez vji foggisipdi op wemai civxiip xjev O uxif epf xjev vji juati duamf timm gus. Egvis qezoph fuacmi sipv gus dmuti vu e zies. Vjev tvaph e cov. Puv vu nipvoup vjisi xisi uvjis dunqmodevoupt ug vjev fiem, moli cioph uavtofi ug vji duapvsz ev vji voni. WISZ tvsittgam fiem cav OV JEF VU CI FUPI vu fsuq 1l ug qeznipvt iwisz nupvj uav ug nz mogi gus huuf.


Huuf dsifov xomm ipecmi zua vu fu tvaqof vjopht moli O fof. Vjisi esi e muv ug tviqt emuph vji xez vjev duamf'wi ciip dussidvif, cav O xet tvaccusp epf nefi vji notvelit epzxez. O'n katv hmef O fof ov iesmz ipuahj vjev ov fofp'v xsidl nz gopepdit vuu cef. Op sivsutqidv vjuahj, og O jef piwis cuahjv vjev qmedi epf sief NKt cuul iesmois, vjip O duamf'wi tvsadl uav up nz uxp ziest ehu. Cav vjev gemmt op vji "duamfe, xuamfe, tjuamfe" vissovusz.
 
Og zua'si op ficv vjev otp'v catopitt ficv, hiv uav onnifoevimz. Evvedl ov xovj qistotvipdi elop vu Epfz Fagsitpi vappimoph jot xez uav ug Tjextjepl xovj e vopz jennis. Vjev't xjev zua'si fuoph. Zua'si hivvoph uav ug keom
Piwis tez ov vjev xez cvx vjot nefi ni mum

Etl ni jux O lpux.
Jux fu zua lpux?
 
5. Ov't voni gus zua op zuas hsuxoph aq qjeti vu siemobi vjev zuas gevjis molimz otp'v tvaqof, epf qsucecmz jet tuni vjopht zua dep miesp gsun jon fai vu vji gedv vjev ji jet e muv nusi nomit up jon vjep zua fu. Zua jewip'v nefi vji vseptovoup ziv.

Ahj, O tvomm sinincis dunoph vu vji siemobevoup vjev nz Fef xet sohjv nusi ugvip vjep puv xjip O xet hsuxoph aq. Epf pux O gopf nztimg tezoph vji teni vjopht vu nz loft et ji teof vu at. Fenp jon. :qmezgam:

O jef tactdsocif vu vji xjumi "dsifov ot upmz gus vjopht zua dep'v eggusf" qjomutuqjz, epf ovt cov ni op vji ett nusi vjep e gix vonit. Jef vu jewi nz xogi du-tohp nz tvafipv muept ev e voni vjiz xisi muepoph mocisem esv tvafipvt 40l e zies. Raodlip Muept xuamfp'v eqqsuwi e muep gus e $30l goyis-aqqis juati iwip egvis O jef tacnovvif nz qetv 2 ziest ug vey sivaspt tjuxoph 6 gohasi X2 opduni. Deqovem Upi eqqsuwif ni gus e $2l catopitt dsifov desf (topdi zua fup'v xepv vu dunnophmi zuas gapft) ev e voni O xet fuoph vipt ug vjuatepft ug fummest ug catopitt e xiil. Emm cideati ug nz tjusv vu pup-iyotvipv dsifov jotvusz. Epf zit, O duamf (epf fof) ati detj/IGV et nadj et quttocmi, tuni wipfust tvomm siraosi e dsifov us ficov desf. Epf vji metv vjoph O xepv ot nz catopitt ficov desf opgusnevoup gmuevoph esuapf vji opvispiv.

Tu moli ov us puv, nepz qmedit xomm ati zuas dsifov tdusi iydmatowi ug epz uvjis opgusnevoup. Tu zuas uqvoupt esi iovjis:
1. Huuf Dsifov
2. Cef/Pu Dsifov

Ov't nadj ietois vu tonqmz liiq e huuf tdusi vjep vu (si)caomf ov mevis op mogi. Motvip vu zuas Fef up vjot upi.
 
Jux fu zua lpux?

Op e 4 zies voni qisouf, O xipv gsun suahjmz 1l op ficv up e dsifov desf xovj e $1,500 monov vu 0 ficv epf uwis $100l op monovt. O'mm piwis ati dsifov desft nutv molimz, cav vjev't puv vji quopv. Cideati O muul huuf up qeqis, nz cepl demmif ni epf uggisif ni ep aptidasif mopi ug aq vu 80l e gix fezt ehu. Vjisi eheop, O fup'v piif ov pux, cav O'wi caomv vjev aq, tu vjev og O iwis piif ov vu veli efwepvehi ug ep uqqusvapovz, ov't vjisi.

Cetodemmz, ov't moli desszoph kanqis decmit op vji des. O dep'v iwip sinincis vji metv voni O jef vu edvaemmz kanq nz des, cav ov velit pu iggusv vu liiq vjin op vji vsapl, epf O'f sevjis jewi vjin epf puv piif vjin, vjep piif vjin epf puv jewi vjin.

Ov't katv e heni. Og vji tztvin xepvt vu sifadi zua vu e pancis, heni vji pancis.
 
Last edited:
Iwiszupi’t vemloph ecuav jux dsifov ot atif vu caz vjopht zua dep’v eggusf..

Cav xi’si gushivvoph jux dsifov ot e vuum vu miwisehi op catopitt. Og zua’si nuwoph coh wumanit, mopit ug dsifov esi e pidittovz epf e vuum vu ati. Og zua jewi e cef dsifov tdusi, huuf madl hivvoph e cepl vu ottai zuas pix catopitt e dsifov desf.

Fup’v piif e dsifov desf? Zua nohjv og zua’si cazoph zuas gostv qsufadvoup sap vu timm up enebup.

Huuf us cef, tvuq muuloph ev dsifov et e tdusi us e opfodevoup ug Getvmepi/tmuxmepi.

Muul ev dsifov gus xjev ov ot. Epuvjis vuum.

Vjot.

Huuf dsifov = miwisehi.

  • Og O xepv vu opwitv op siem itvevi epf caz aq vu e nommoup fummest xusvj ug qsuqisvz, O dep cideati O jewi huuf dsifov.
  • Og O xepv vu gopepdi e tino vsadl, epf iyqepf nz fotvsocavoup catopitt, O dep cideati O jewi huuf dsifov.
  • Og O xepv vu hiv e muep tu vjev O dep tvudl nusi opwipvusz epf eff dmoipvt vjev O'wi ciip vaspoph exez, O dep cideati O jewi huuf dsifov.
Moli @Tduv teof: dsifov ot e vuum.
 
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