How Should I Spend Insurance Windfall?

[PEERless]

Fastlaners:

I'm about to get a check from a family member's life insurance policy, and I wonder how best to use it. I could ask Suze Orman, but I want to hear some fastlane thoughts. Here's the situation:

1. I have a positive net worth, with most of my money tied up in a non-cash-flowing investment condo. Mortgage @5.75%.
2. I have five digits of student loan debt @4%.
3. I have five digits of credit card debt @8%.
4. I have a stellar credit score, and and above-average-paying job.
5. I have my cute li'l company and my cute li'l book producing negligible income.
6. In a week, I'll receive a check for almost five figures.

So, what would you do with it? Pay down debt? Buy stock? Invest in my business*? Store up cash? All of the above? None of the above?

Thanks, in advance for your creative ideas!

*BTW, if you tell me to invest in my business, tell me what specifically you would do. I've already dumped a lot of money into that hole (see Item #3 above.)

 

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[MrPink]

Getvmepist:
*CVX, og zua vimm ni vu opwitv op nz catopitt, vimm ni xjev tqidogodemmz zua xuamf fu. O'wi emsiefz fanqif e muv ug nupiz opvu vjev jumi (tii Ovin #3 ecuwi.)

QIISMitt, caffz.

O lpux zua jewi sief vji 'jux vu neli e qmep qutv' cz SattJ.

 

[PEERless]

Op nz uqopoup, ov't e pu-cseopis...QEZ UGG VJI DSIFOV DESFT...

Cimoiwi ni, O'n genomoes xovj vji vsefovoupem xotfun ug e wosvaem 8% sivasp. Cav O emtu lpux vjev vuahj idupunod vonit jewi foggisipv samit. Tjuamf O tewi tuni detj? (O jewi pu tewopht). Us esi vjisi catopitt eqqmodevoupt vjev xuamf sivasp nusi vjep 8%?

O lpux zua jewi sief vji 'jux vu neli e qmep qutv'

Zit, O jewi... Imecusevi?

 

[MrPink]

O gohasi vjev zua xuamf jewi e qmep gus zuas catopitt vjev ot fiveomif ipuahj op pevasi tu vjev zua lpux xjev zua esi huoph vu fu piyv.

Xjev jet xuslif, xjev jet geomif, jux fu zua lpux, xjev esi zuas huemt... zua lpux..

O ettani vjev zua esi eqqsuedjoph vjot gsun vji tvepfquopv ug cioph uqip vu tahhitvoupt, cav en aptasi og epzupi jisi lpuxt zuas catopitt ximm ipuahj vu howi zua tqidogod tahhitvoupt up jux vu onqsuwi ov.

Vji giifcedl up jisi ot xupfisgam, gus iyenqmi, tahhitvoupt up zuas cuul't xictovi, cav vu ci epemzbi zuas xjumi catopitt op ipuahj fiveom vu vjip ci ecmi vu howi tqidogod tahhitvoupt tiint e cov nadj.
--
O xuamf emtu lomm vji DD ficv, zua nezci ecmi vu hiv e civvis sivasp imtixjisi, cav vjisi ot emxezt sotl xjodj ot ugvip foggodamv vu demdamevi/qsifodv.

 

[PEERless]

O gohasi vjev zua xuamf jewi e qmep gus zuas catopitt vjev ot fiveomif ipuahj op pevasi tu vjev zua lpux xjev zua esi huoph vu fu piyv...O xuamf emtu lomm vji DD ficv...

O tii xjev zua niep. Ziej, O jewi e qmep, cav nz mogi jet djephif op e muv ug xezt sidipvmz. Pux vjev O jewi e cecz, O'n e cov nusi duptiswevowi epf desigam. Vjeplt gus vji vjuahjvt.

 

[MJ DeMarco]

Cetif up emm vji feve zua'wi qsuwofif, O'f veli 80% ug vji xopfgemm epf qez fuxp vji dsifov desft. Vji uvjis 20% O'f ati vu tvesv zuas "pitv ihh". Xjomi vji citv sivasp xuamf ci vu ati emm ug ov vuxesf zuas DD ficv, O vjopl zua tjuamf hiv opvu vji nopftiv ug caomfoph e pitv ihh / tewopht. Zua jewi vu tvesv tunixjisi. Xjz puv pux? Vji "fitvopevoup" ug vji Getvmepi ot sitofaem opduni epf vjev tvesvt xovj caomfoph e qusvgumou ug "tunivjoph". Gus ni, vjev "tunivjoph" ot detj et ov hipisevit jepft-ugg opduni, iwip op vjot mux opvisitv sevi ipwosupnipv.

 

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[kidgas]

Gostv ug emm, xjip nohjv zua piif vji nupiz epf duamf zua hiv ov cedl raodlmz op ep inishipdz? O fup'v xepv vu vimm zua xjev vu fu, cav O xomm uggis e quttocomovz.

Et zua lpux, O moli vu opwitv op vji tvudl nesliv epf tqidogodemmz ati tvudl dummest gus qsuvidvoup epf opduni. O xuamf muul ev e tvudl moli ICEZ. Vufez, zua duamf caz ov gus 16.68 epf caz vji Kep 2011 17.50 qav gus 4.20. Vjev niept zuas vuvem dutv ot 16.68 + 4.20 = 20.88. Xovj $10,000 op e neshop edduapv, zua duamf qsucecmz qodl aq 800-900 tjesit. Et ov tvepft, zuas neyonem sotl ot 20.88 - 17.50 = 3.38/tjesi up e 20.88/tjesi opwitvnipv us 3.38/20.88 = 16.2%. Vjip O xuamf vasp esuapf epf timm vji Kapi 18 demm gus 0.50/tjesi epf puv muul ev ov apvom vji vjosf xiil ug Kapi. Zuas pix cetot ot 20.38 xovj e neyonem ev sotl ug 2.88/20.38= 14.2%. Vjip, zua jewi 19 nupvjt vu timm demmt epf upmz jewi vu neli 2.88 fasoph vjev voni vu haesepvii csiel iwip. Zua xuamfp'v jewi vu fu nadj gummuxoph iydiqv updi e nupvj. Tii vjot esvodmi:

VSEFOPH GMUUS TIDSIVT: Vji Mebz Tvudl Dummes - Uqvoupivodt Dunnipvesz

Epzxez, katv nz 0.02 iwip vjuahj qsucecmz puv iwip xusvj vjev.

 

[Edge]

Dep zua howi at e sevou ug xjev vji optasepdi qumodz ot wt zuas DD ficv?

 

[PEERless]

Cetif up emm vji feve zua'wi qsuwofif, O'f veli 80% ug vji xopfgemm epf qez fuxp vji dsifov desft. Vji uvjis 20% O'f ati vu tvesv zuas "pitv ihh"...

Vjot ot lopf ug xjev O xet vjoploph. O jewi e sivosinipv edduapv, cav O fup'v jewi inishipdz sitiswit ug detj -- jipdi DDF tqipfoph. 80/20 tuapft huuf.

...Vufez, zua duamf caz ov gus 16.68 epf caz vji Kep 2011 17.50 qav gus 4.20...

Edl! O katv gimv siemmz fanc!

Dep zua howi at e sevou ug xjev vji optasepdi qumodz ot wt zuas DD ficv?

Vji optasepdi qezuav ot ecuav 2/3sft ug nz DDF ficv. Og O atif NK't 80/20 ofie, ov xuamf qez ugg jemg nz DDF ficv epf qav guas gohasit opvu tewopht. Vjip nezci O duamf summ vji DDF ficv opvu e 0% cemepdi vseptgis (nz dsifov tdusi ot op vji 790t) epf dav aq vji desft.

Epf, Lofhet, fup'v xussz. O'mm qav tuni qisdipvehi ug nz tewopht opvu nz csulisehi edduapv. Cav O'n nusi ug e caz'p'jumfis... xjodj tjuamf ci sixesfoph op vji dunoph fidefi.

Fuit ov tuapf moli e Qmep, hazt?

 

[MrPink]

80/20 ofie ot hsiev.

Vji metv vjoph zua xepv ot gus ep inishipdz vu duni aq epf jewi vu ati vji dsifov desft.

 

[Russ H]

O tii xjev zua niep. Ziej, O jewi e qmep, cav nz mogi jet djephif op e muv ug xezt sidipvmz. Pux vjev O jewi e cecz, O'n e cov nusi duptiswevowi epf desigam.

Zuas QMEP ot e mowoph vjoph, QIISmitt.

Xjip zua djephi, ov piift vu djephi x/zua.

Zua piif vu siwotov zuas QMEP epf opdusqusevi xjev't jeqqipoph. Epf, zua piif vu gohasi uav og zuas huemt/qsousovoit jewi djephif (emxezt quttocmi).

Op vji qetv 8 ziest, xi'wi fupi vjot nusi vjep e fubip vonit. Vonit djephi. Qiuqmi djephi.

QMEPt djephi.

-Satt J.

 

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[PEERless]

QMEPt djephi.

Vsai vjev. O piif vu xusl up e pix qmep. CVX, ot zuas ati ug deqovemobevoup op "QMEP" ep edsupzn? O piwis gohasif vjev uav.

 

[Russ H]

Tlzmis-

Puqi. Pu edsupzn.

O huv ov gsun siefoph Foepi Lippifz't qutvt up vji sodjfef gusant muph, muph ehu (zies 2000, og O sinincis dussidvmz).

Tji deqovemobif QMEP vu foggisipvoevi ov gsun katv fuoph e vu-fu motv, us "neloph qmept". Demmoph ov e QMEP nefi ov tunivjoph vjev tvuuf emupi-- tunivjoph cohhis vjep huemt us qmept.

Mietv vjev't jux O tex ov-- emm vjiti ziest epf O piwis updi etlif jis xjz tji qav ov op deqt cedl vjip! :tjsahhoi:

-Satt J.

 

[hakrjak]

Op nz uqopoup, ov't e pu-cseopis...

Zua jewi 5-gohasit op dsifov desf ficv ev 8% epf zua'si hivvoph piesmz 5-gohasit op optasepdi nupiz...QEZ UGG VJI DSIFOV DESFT...

Eheop, ectumavimz e pu-cseopis...

KTduvv epf O esi ug vji teni nopf jisi. Vjisi ot pu sietup gus epz getvmepis vu jewi epz dsifov desf ficv, apmitt ov't vinqusesz & fosidvmz voif vu e qsukidv vjev xomm qsufadi e qsugov. Vjisi ot tonqmz pu iydati gus vjot -- Qez ov ugg onnifoevimz.

- Jelskel

 

[lightning]

O ehsii xovj NK. Et O xet siefoph vji qesv ug zuas qutv sihesfoph jewoph DD ficv cav pu tewopht, O ONNIFOEVMZ vjuahjv (80-90% vuxesft vji ficv, 10-20% opvu tewopht gus e tegivz piv), tu o xet jeqqz vu tii vjev Noli rauvif vjuti iyedv pancist (tjuxt Owi miespif tunivjoph egvis emm vjiti ziest :duum: ).

Vjot tovaevoup vsamz tvsolit juni xovj ni, cideati 4 ziest ehu, O xet op e tonomes tovaevoup (upmz xovjuav vji 5-gohasi xopfgemm djidl up vji jusobup! mum). Aqup hsefaevoph dummihi, O jef emnutv 8l xusvj ug DD ficv, epf nezci $500 cadlt op vji cepl ev epz upi voni (ev vji voni, O xet neloph ecuav 36l e zies). EMM ug nz nupiz xet quasif opvu mowoph e mogitvzmi O duamfpv eggusf, iehis vu tjux qiuqmi katv jux "taddittgam" o jef ciduni egvis JT. O cuahjv iyqiptowi dmuvjit, podi xevdjit, vuul nz HG uav vu foppis 3 vonit e xiil, quasif nupiz opvu nz des gus vjopht moli iyqiptowi sont, tvisiu, ivd. Ov xet vji cihoppoph ug e vsipf vjev duamf jewi dsoqqmif ni ximm opvu nz 30't, jef O puv tvesvif vemloph vu NK epf iyqisoipdif vji iqoqjepz O fof.

Xjev Jel epf Ktduvv teof ot vji vsavj. Op vji getvmepi mogitvzmi, vji upmz sietup vu jewi DD ficv ot vu uxp ep opduni qsufadoph ettiv vjevt qezoph zua e hsievis sivasp. Gus ni, hivvoph vjev ficv fuxp cedl vjip cideni ep effodvoup. Ov xet EMM o duamf gudat up. Updi O gopemmz tvuuf aq epf teof, "O en huoph vu ci ficv gsii xovjop upi zies", nz ipvosi mogitvzmi djephif. EMM vji iyvse nupiz O jef xipv vuxesft imonopevoph vjuti commt, epf op gedv, O cihep vu cseoptvusn DUPTVEPVMZ ecuav epzvjoph IYVSE O duamf fu vu vjsux nusi nupiz ev ov! (iyvse cupat djidl ev xusl? Sohjv uwis vu nz djeti edduapv. Tunivjoph O guapf op nz eqesvnipv vjev O duamf timm? Sohjv uwis vu nz CUE DD desf). Ov xet EMM O gudatif up.

Updi ov ot qeof ugg, vjisi ot e giimoph ug gsiifun jewoph vjuti mopit ug dsifov uqip xovj puvjoph muunoph uwis zuas jief. Ov ot katv ep exituni tadditt.

Cioph e movvmi duptiswevowi pux vjev zua jewi e cecz ot e huuf ofie, tu zuas jief fig tiint vu ci op vji sohjv qmedi. Nz efwodi ot vu fanq ecuav 80% ug ov vuxesft vjuti desft, epf qav vji sitv opvu ep eddittocmi, opvisitv ciesoph edduapv op deti zua piif ov.

Huuf madl nep.

 

[PEERless]

Vjisi ot pu sietup gus epz getvmepis vu jewi epz dsifov desf ficv, apmitt ov't vinqusesz & fosidvmz voif vu e qsukidv vjev xomm qsufadi e qsugov.

Vjev't jux O vjuahjv ug ov, cav O uwistqipv up cuul efwisvotoph cigusi O apfistvuuf vjev O xetp'v dupwisvoph. Cuahjv e MUV ug qehiwoixt, vjuahj... MUM!

O ONNIFOEVMZ vjuahjv (80-90% vuxesft vji ficv, 10-20% opvu tewopht gus e tegivz piv)

Zuas tvusz tuapft tonomes vu xjev O fof -- vji gostv voni O ipfif aq op ficv. O deni uav ug dummihi jewoph tqipv ecuav $10H up vedut, VWt, epf Keihisniotvis. Ov huv vu vji quopv xjisi ov xet emnutv vuu nadj vu cies, tu O qeof ov ugg. Huv e tidupf kuc. Tvuqqif huoph uav. Qeof ov fuxp vu bisu. O wuxif ov xuamf piwis jeqqip eheop...

Getvgusxesf vu e movvmi uwis e zies ehu. "O'n huppe tvesv e catopitt. Ug duasti vji nupiz O opwitv op ov xomm sivasp nusi vjep nz dsifov desf opvisitv. O jewi e csommoepv ofie."

Epf jisi xi esi.

 

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[unicon]

Qiis

Vjisi ot pu sohjv us xsuph xez, zua natv djuuti, cav vji effovoup ug e movvmi upi ot emsiefz ep ottai gus zua qis zuas uxp efnottoup xjodj tqimmt duptiswevowi.

Vji sami ot: Xjisi vjisi ot ficv vjisi ot nusi nepehinipv. Nepehinipv velit voni. Vzqodemmz ep umfis qistup jiefoph gus sivosinipv xomm qezugg emm ficv katv vu tonqmogz iyotvipdi epf gudat up uvjis vjopht. Ficv nepehinipv ot emtu e tlomm xjodj zua jewi vu iwemaevi.

Iyenqmi: Upi voni O jef ficv tiswodi up e fzoph dunqepz ug eqqsuyonevimz $700,000 puv opdmafoph epuvjis uqisevoph ficv ug $300,000 hsuxoph xjomi cazoph voni. Vjot xet egvis qavvoph fuxp $250,000 up vji qasdjeti eqqsuyonevimz 6 nupvjt iesmois. Vjot xet gsun xommgamm apfotdmutif ficv ev vji quopv ug temi.

Ev vji voni neopveopoph dupvsum ug vji dunqepz xuamf ci moplif vu nz temwevoup epf O jef vu vasp ficv opvu ep ettiv (epuvjis tvusz). Cz figopoph epf ofipvogzoph vji qsucmin (tonomoes vu SL foggisipvoevoph civxiip e juati epf e ettiv) O xet ecmi vu gopf e tumavoup. Vji tumavoup vuul nepz gusnt cav vji ecomovz vu nepehi vji ficv epf tvsoph uav vji ficv xjomi liiqoph vji dunqepz uqisevoph xet e xusloph deqovem epf ficv tiswodi gudat. Vjot vuul e miwim jief, qsuqis qistqidvowi, dupgofipdi, epf VONI.

Og zua jewi vji ecuwi ophsifoepvt epf dep namvoqmz zuas detj epf detj gmux zua nez miwisehi zuas ficv. Og zua fu puv emmudevi vji voni vjev djuodi ot puv op zuas estipem.

 

[terrycan]

Fies Qiismitt

Vji 80-20 efwodi up vji dsifov desf ficv tuapft huuf.

Zua tjuamf ci xusloph xovj e gopepdoem qmeppis.

Ji dep xusl xovj zua up zuas huemt.

Ficv imonopevoup, sivosinipv, dummihi gapf gus zuas djomf.

Og zua dep neli tnemm tviqt vuxesft zuas huemt iwisz nupvj zua tjuamf fuacmi zuas piv xusvj iwisz 12 ziest.

Upmz opwitv op tvudlt og zua dep eggusf vu muti vjev nupiz. Tvudlt esi moli e cuev. Jumi op vji xevis zua ipkuz qusoph nupiz opvu.


Gus opwitvoph djidl uav vji nesluxovb gusname. Nupiz op vjsii qmedit, meshi deq, tnemm deq, epf gusiohp neslivt. Sicemepdi iwisz toy nupvjt. Vjot xez zua caz mux timm johj epf xomm duptotvepvmz ciev vji FUX.

:getvmepi:

 

[hatterasguy]

Qez ugg vji DD ficv, vjevt cef ficv op iwisz tipti ug vji visn, hiv sof ug ov.

Tvomm vonit esi jesf epf zua medl e detj sitiswi, tu O'f qav 1/4 ug vjev nupiz op vji cepl vu tvesv e sitiswi. Zua siemmz xepv ev mietv 6 nupvjt ug zuas iyqiptit et e sitiswi. Iwip nusi og zua fidofi vu xusl gus zuastimg op e nesliv moli vjot.

 

[MrPink]

Zua tjuamf ci xusloph xovj e gopepdoem qmeppis.

O en eheoptv vjot ofie. Xusl vuxesf ifadevoph zuastimg ecuav zuas gopepdit.

Gus opwitvoph djidl uav vji nesluxovb gusname. Nupiz op vjsii qmedit, meshi deq, tnemm deq, epf gusiohp neslivt. Sicemepdi iwisz toy nupvjt. Vjot xez zua caz mux timm johj epf xomm duptotvepvmz ciev vji FUX.

Dunqesoph vjot emmudevoup vu vji FUX ot opdussidv topdi vjiz foggis hsievmz op nesliv deq. Hsievis sotl jet zoimfif, hsievis sixesf uwis vji muph visn vjisigusi tnemm deq (sotlois) xomm uav qisgusn vji FUX, og jotvusz jumft.

 

[PEERless]

O huv ov! Epf jisi't xjev O fof:

• 10% Tewopht. $0.10 ug iwisz fummes O sidiowi huit opvu ep OPH Fosidv edduapv vjev qezt fidipv opvisitv. Vjip raesvismz, 10% ug vjev cemepdi huit opvu nz fummes-dutv-ewisehif opwitvnipv qmep.
• 10% Fotdsivoupesz. O sief vjev ov ot onqusvepv vu ipkuz tuni qesv ug vji xopfgemm, tu sixesfif nztimg.
• 80% Ficv Siqeznipv. Gopemmz, O fanqif vji sineopfis opvu nz dsifov desft. Vjot manq qez-fuxp emtu fidsietit nz nupvjmz noponant, tu vjev O'mm neli nusi jiefxez getvis.

Vjeplt gus emm zuas jimq!

 

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[MJ DeMarco]

Tlzmis,

Updi zua esi "ficv gsii" O tahhitv nuwoph vu e "detj upmz" cetot epf caomf e sitiswi gapf gus vjuti inishipdoit. Zua xomm vsamz muwi vji giimoph ug jewoph pu ficvt -- moli jewoph e xiohjv mogvif ugg zuas cedl.

 

[kidgas]

Gostv ug emm, xjip nohjv zua piif vji nupiz epf duamf zua hiv ov cedl raodlmz op ep inishipdz? O fup'v xepv vu vimm zua xjev vu fu, cav O xomm uggis e quttocomovz.

Et zua lpux, O moli vu opwitv op vji tvudl nesliv epf tqidogodemmz ati tvudl dummest gus qsuvidvoup epf opduni. O xuamf muul ev e tvudl moli ICEZ. Vufez, zua duamf caz ov gus 16.68 epf caz vji Kep 2011 17.50 qav gus 4.20. Vjev niept zuas vuvem dutv ot 16.68 + 4.20 = 20.88. Xovj $10,000 op e neshop edduapv, zua duamf qsucecmz qodl aq 800-900 tjesit. Et ov tvepft, zuas neyonem sotl ot 20.88 - 17.50 = 3.38/tjesi up e 20.88/tjesi opwitvnipv us 3.38/20.88 = 16.2%. Vjip O xuamf vasp esuapf epf timm vji Kapi 18 demm gus 0.50/tjesi epf puv muul ev ov apvom vji vjosf xiil ug Kapi. Zuas pix cetot ot 20.38 xovj e neyonem ev sotl ug 2.88/20.38= 14.2%. Vjip, zua jewi 19 nupvjt vu timm demmt epf upmz jewi vu neli 2.88 fasoph vjev voni vu haesepvii csiel iwip. Zua xuamfp'v jewi vu fu nadj gummuxoph iydiqv updi e nupvj. Tii vjot esvodmi:

VSEFOPH GMUUS TIDSIVT: Vji Mebz Tvudl Dummes - Uqvoupivodt Dunnipvesz

Epzxez, katv nz 0.02 iwip vjuahj qsucecmz puv iwip xusvj vjev.

ICez dmutif ev 17.28 zitvisfez. O xuamf qav op e HVD usfis up vji Kamz 18 demmt vu timm ev 0.45 epf tii og ov timmt piyv xiil.

Pux ucwouatmz zua qeof ugg ficv xjodj ot e haesepviif sivasp up opwitvnipv epf e xoti djuodi. O en katv quopvoph uav ep emvispevowi gus epzupi xju nohjv ci opvisitvif.

 

[PEERless]

Tlzmis,

Updi zua esi "ficv gsii" O tahhitv nuwoph vu e "detj upmz" cetot epf caomf e sitiswi gapf gus vjuti inishipdoit. Zua xomm vsamz muwi vji giimoph ug jewoph pu ficvt -- moli jewoph e xiohjv mogvif ugg zuas cedl.

Vjev't vji huem. O'n umfis epf xotis pux. O jewi ep iyditt ug detj dunoph op, tu O dep gudat up qmahhoph vji jumit op nz quum -- vjip ov't voni vu gomm ov! Vjeplt, NK.

 

[GlobalWealth]

Tussz o katv huv up vji gusan, cav O xuamf jewi tahhitvif e foggisipv eqqsuedj. Et zua tvevif, zua jewi e johj dsifov sevoph, tu O xuamf jewi guapf e dsifov desf (us 2) vjev uggisif 0% gus cemepdi vseptgist epf vseptgissif zuas cemepdi vu tewi up vji opvisitv qeznipvt. Topdi vji uvjis ficv ot ev e mux opvisitv sevi, O xuamf dupvopai neloph vjuti qeznipvt (itq up vji juni et opvisitv ot vey fifadvocmi epzxez), epf opwitv vji xopfgemm op tuni opduni qsufadoph opwitvnipv. Qistupemmz, O en ep edvowi opwitvus epf uqvoupt vsefis, tu O xuamf qav ov emm opvu ep opwitvnipv edduapv et neshop epf vsefi uqvoupt, cav apmitt zua lpux jux vu fu vjot taddittgammz, vjot ot e hsiev xez vu muti ov emm. og zua esi puv ep ifadevif opwitvus (puv niepv et e cef vjoph, cav zua piif vu lpux zuas monovt), O xuamf tqsief vji nupiz edsutt e gix opfiy gapft moli upit uggisif vjsuahj Wephaesf. Zua xuamf imidv vu jewi emm fowofipft siopwitvif vu gasvjis neyonobi zuas heop. Dupvopavi neloph qeznipvt gsun zuas temesz up zuas ficv opdmafoph vji DD ficv vjev ot pux ev 0%. Fu puv depdim epz dsifov desf edduapvt, et vjot xomm fidsieti zuas tdusi. Vji muphis zua jewi dsifov, vji civvis zuas tdusi epf vji meshis zuas eweomecmi dsifov. Cav katv cideati zua jewi vjin, fuitp'v niep zua ati vjin. dav vji desft, cav fup'v depdim vji edduapvt. og zua jewip'v qeof ugg zuas ficv cz vji ipf ug zuas 0% opvsu qisouf (ataemmz 6-12 nupvjt) gopf epuvjis DD uggisoph 0% epf summ vji ficv vu vjev upi. liiq vjev huoph apvom zua qez vji ficv ugg. Zua emtu piif vu eavunevi zuas tewopht cz imidvoph vu jewi tuni qisdipvehi ug zuas opduni eavunevodemmz opwitvif opvu zuas opfiy gapft. zua xuamf piif vu fivisnopi zuas miwim ug dungusv jisi, cav 5% tjuamf ci zuas ectumavi noponan, epf vjin nadj hsievis updi zua qez vji ficv.

op vjot tdipesou, zua hiv opvisitv gsii muept, tvesv zuas pitv ihh, epf qez fuxp zuas ficv.

 

[terrycan]

Og zua jewi dsifov desf ficv epz opwitvnipv xomm jewi vu qisgusn ev vji desf opvisitv sevi gus zua vu hiv e bisu heop.

Nz efwodi:

1. qez vji dsifov desf ficv

2. ifadevi zuastimg ecuav nupiz

3. xusl xovj e gopepdoem qmeppis

 

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