In need of some House Hacking Advice.

[AlanBayWalker]

Hey guys I've been doing some research on house hacking for the past 3 months and I think I'm ready to get my feet wet.

A little about me. I just turned 21 two months ago, I have a FICO credit score of 759 and I make 100k a year through w2 salary. I work as a software engineer in a pretty stable company so I'm not super concerned with losing my job. Even if I did, my expenses right now are pretty low and I am confident that I could use my skills to pay some of the property expenses myself if I had a high vacancy for some reason.

I just recently moved to Milwaukee, WI to live near my mentor. The opportunity cost of staying in Houston became too much.


MY GOALS:

• I don't want to pay rent anymore
• I want to have at least a few hundred dollars of positive cash flow
• I want to build on an asset instead of throwing rent money away building someone else's
• I want to gain experience as a landlord and a property investor
• I want to live in a relatively safe area
• I want to live in an up and coming neighborhood
• I want the property to have some kind of added value potential, meaning I can fix it up a little bit and not pay a premium on a turn-key property
  

PREAPPROVED LOAN DETAILS:

• 30 Year Fixed FHA
• Purchase Price: $350,000
• Down Payment Required: $12,250
• Base Loan Amount: $337,750
• (Damn I can't find my rate. what kind of rate should I be looking for?)

PROPERTY I AM LOOKING AT:

• Purchase Price: $219,000
• Property Type: Triplex
• Year Built: 1902
• Unit 1: 3bd 1 1/2 bathrooms
• Unit 2: 3bd 1 bathroom
• Unit 3: 2bd 1 bathroom
• Location: Brewer's Hill, Milwaukee
• Estimated SQ FT: 3,216
• Owner pays: water, sewage
• Tenant pays: gas, heat, electricity

The property is sitting on a double lot and has a full basement. Unit 1 is currently occupied at $1000 rent, Unit 2 is occupied at $900 rent, and Unit 3 on the third floor is currently vacant but if I lived here I'd be living in the 3rd unit which is the smallest, and get a roommate in the 2nd bedroom for around $400 a month.

THE PROPERTY EVALUATION:

- Purchase Price: $219,000
- Gross Potential Income (GPI): $27,600 | Sum rents multiplied by 12 months
- Vacancy loss: $1,380 | GPI multiplied by 5% as a fund in case there's unit vacancy
- Gross Operating Income (GOI): $26,220 | GPI - Vacancy loss. This is the property cashflow after potential losses
- Property Taxes: $4,905 | Purchase price * 2.24% Milwaukee county property tax
- Net Operating Income (NOI): $20,260 | GOI - Taxes. Income after all expenses not including mortgage
- Replacement Reserves Account (RRA): $7,000 | Long term repairs and costs. This is honestly just an arbitrary figure I threw in here. I have no idea how to calculate this (someone help)
- Mortgage payment: $1,540
- Before Tax Cash Flow (BTCF): $11,720 | NOI - RRA - Mortgage. equals to the cash flow the property will produce before taxes

(Note: These numbers aren't accounting for some operating expenses such as maintenance and utilities)

Now, these next set of values are calculated without taking into account I am using an FHA loan. The calculations are made using 25% as the downpayment. The reason for this is to crunch the numbers as if it were a normal real estate investment, so I can get a more accurate picture.

- Capitalization Rate: 9.251232877 | (NOI / Property Price) calculates return on investment
- Cash on cash return: 21.4063926941 | (BTCF / 25% of Purchase Price) return on investment assuming you used leverage
- Debt coverage ratio: 13.15597403 | (NOI / Mortgage)

If anyone is wondering where I got this formula from, it's called the S.E.O.T.A formula from a book called "Buy it, Rent it, Profit". This is a "dumbed" down version of that formula.

I failed math two years out of the four years that I went to high school. If someone could do a double check on these numbers I would greatly appreciate it. Also if you guys see anything that looks funny or know of a simpler formula I could use to evaluate properties please let me know.

I scheduled a showing tomorrow. I'm going to give the property a walk around with my roommate who is a home contractor. I'm hoping he can help me spot some red flags. The plan is, if everything checks out I am going to put an offer at asking price and do my due diligence during the inspection period. I'm hoping everything checks out and maybe I can find a few cosmetic things that can help me negotiate the price right now. Or I might just back out completely if I don't like it.

A FEW THINGS I AM CONCERNED ABOUT:

- It seems like in a lot of markets homes are at an all-time high, I'm thinking it's still worth it to buy even if I pay a little bit of a premium.
- I'm a little worried about the moratoriums on evictions that were placed during covid allowing tenants to not pay rent
- By purchasing this property I am basically inheriting 2 units full of people. I need to do my due diligence to find out who these people are and how long they have left on their leases. I have no idea how much effort the current landlord put into screening these tenants.
- The property only has street parking on a street that has a few bars down from the property. I'm a little worried about the parking situation for a triplex that has 8 bedrooms.
- I'm not super sure about what things are going to need fixing on the property, there seems to be a lot of slumlords out here in this county. But I guess I won't find out until I get there and check it out - I think I'm gonna need a CPA cause Idk what I'm doing at all

MY PERSONAL FINANCES:

- $10k in savings
- $1k in actual cash
- $17k in bitcoin (give or take at current price)
- $3k in silver
- $2k in a Capital One Roth IRA savings account (I did this by accident thinking it was a normal Roth IRA. I'm hoping I can liquidate this towards the house purchase and not pay taxes on it)
- $3k in a Roth IRA (I know this looks weird. I just don't know wtf I'm doing lol)

I'm probably going to need to have a way bigger nest egg in case anything goes wrong or happens to the property, my job, or me while I own a home.

I would appreciate any advice you guys have on what I wrote above or tips on how to inspect the property, what to look for, etc.

Also if you currently live in the Milwaukee area feel free to hit me up. I am currently working on a startup here with 3 colleagues and would love to network with you guys.

 

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[alexkuzmov]

Jiz hazt O'wi ciip fuoph tuni sitiesdj up juati jedloph gus vji qetv 3 nupvjt epf O vjopl O'n siefz vu hiv nz giiv xiv.

E movvmi ecuav ni. O katv vaspif 21 vxu nupvjt ehu, O jewi e GODU dsifov tdusi ug 759 epf O neli 100l e zies vjsuahj x2 temesz. O xusl et e tugvxesi iphopiis op e qsivvz tvecmi dunqepz tu O'n puv taqis dupdispif xovj mutoph nz kuc. Iwip og O fof, nz iyqiptit sohjv pux esi qsivvz mux epf O en dupgofipv vjev O duamf ati nz tlommt vu qez tuni ug vji qsuqisvz iyqiptit nztimg og O jef e johj wedepdz gus tuni sietup.

O katv sidipvmz nuwif vu Nomxealii, XO vu mowi pies nz nipvus. Vji uqqusvapovz dutv ug tvezoph op Juatvup cideni vuu nadj.


NZ HUEMT:

• O fup'v xepv vu qez sipv epznusi
• O xepv vu jewi ev mietv e gix japfsif fummest ug qutovowi detj gmux
• O xepv vu caomf up ep ettiv optvief ug vjsuxoph sipv nupiz exez caomfoph tuniupi imti't
• O xepv vu heop iyqisoipdi et e mepfmusf epf e qsuqisvz opwitvus
• O xepv vu mowi op e simevowimz tegi esie
• O xepv vu mowi op ep aq epf dunoph piohjcusjuuf
• O xepv vji qsuqisvz vu jewi tuni lopf ug effif wemai quvipvoem, niepoph O dep goy ov aq e movvmi cov epf puv qez e qsinoan up e vasp-liz qsuqisvz

QSIEQQSUWIF MUEP FIVEOMT:

• 30 Zies Goyif GJE
• Qasdjeti Qsodi: $350,000
• Fuxp Qeznipv Siraosif: $12,250
• Ceti Muep Enuapv: $337,750
• (Fenp O dep'v gopf nz sevi. xjev lopf ug sevi tjuamf O ci muuloph gus?)

QSUQISVZ O EN MUULOPH EV:

• Qasdjeti Qsodi: $219,000
• Qsuqisvz Vzqi: Vsoqmiy
• Zies Caomv: 1902
• Apov 1: 3cf 1 1/2 cevjsuunt
• Apov 2: 3cf 1 cevjsuun
• Apov 3: 2cf 1 cevjsuun
• Mudevoup: Csixis't Jomm, Nomxealii
• Itvonevif TR GV: 3,216
• Uxpis qezt: xevis, tixehi
• Vipepv qezt: het, jiev, imidvsodovz

Vji qsuqisvz ot tovvoph up e fuacmi muv epf jet e gamm cetinipv. Apov 1 ot dassipvmz uddaqoif ev $1000 sipv, Apov 2 ot uddaqoif ev $900 sipv, epf Apov 3 up vji vjosf gmuus ot dassipvmz wedepv cav og O mowif jisi O'f ci mowoph op vji 3sf apov xjodj ot vji tnemmitv, epf hiv e suunnevi op vji 2pf cifsuun gus esuapf $400 e nupvj.

VJI QSUQISVZ IWEMAEVOUP:

- Qasdjeti Qsodi: $219,000
- Hsutt Quvipvoem Opduni (HQO): $27,600 | Tan sipvt namvoqmoif cz 12 nupvjt
- Wedepdz mutt: $1,380 | HQO namvoqmoif cz 5% et e gapf op deti vjisi't apov wedepdz
- Hsutt Uqisevoph Opduni (HUO): $26,220 | HQO - Wedepdz mutt. Vjot ot vji qsuqisvz detjgmux egvis quvipvoem muttit
- Qsuqisvz Veyit: $4,905 | Qasdjeti qsodi * 2.24% Nomxealii duapvz qsuqisvz vey
- Piv Uqisevoph Opduni (PUO): $20,260 | HUO - Veyit. Opduni egvis emm iyqiptit puv opdmafoph nusvhehi
- Siqmedinipv Sitiswit Edduapv (SSE): $7,000 | Muph visn siqeost epf dutvt. Vjot ot jupitvmz katv ep escovsesz gohasi O vjsix op jisi. O jewi pu ofie jux vu demdamevi vjot (tuniupi jimq)
- Nusvhehi qeznipv: $1,540
- Cigusi Vey Detj Gmux (CVDG): $11,720 | PUO - SSE - Nusvhehi. iraemt vu vji detj gmux vji qsuqisvz xomm qsufadi cigusi veyit

(Puvi: Vjiti pancist esip'v edduapvoph gus tuni uqisevoph iyqiptit tadj et neopvipepdi epf avomovoit)

Pux, vjiti piyv tiv ug wemait esi demdamevif xovjuav veloph opvu edduapv O en atoph ep GJE muep. Vji demdamevoupt esi nefi atoph 25% et vji fuxpqeznipv. Vji sietup gus vjot ot vu dsapdj vji pancist et og ov xisi e pusnem siem itvevi opwitvnipv, tu O dep hiv e nusi eddasevi qodvasi.

- Deqovemobevoup Sevi: 9.251232877 | (PUO / Qsuqisvz Qsodi) demdamevit sivasp up opwitvnipv
- Detj up detj sivasp: 21.4063926941 | (CVDG / 25% ug Qasdjeti Qsodi) sivasp up opwitvnipv ettanoph zua atif miwisehi
- Ficv duwisehi sevou: 13.15597403 | (PUO / Nusvhehi)

Og epzupi ot xupfisoph xjisi O huv vjot gusname gsun, ov't demmif vji T.I.U.V.E gusname gsun e cuul demmif "Caz ov, Sipv ov, Qsugov". Vjot ot e "fancif" fuxp wistoup ug vjev gusname.

O geomif nevj vxu ziest uav ug vji guas ziest vjev O xipv vu johj tdjuum. Og tuniupi duamf fu e fuacmi djidl up vjiti pancist O xuamf hsievmz eqqsidoevi ov. Emtu og zua hazt tii epzvjoph vjev muult gappz us lpux ug e tonqmis gusname O duamf ati vu iwemaevi qsuqisvoit qmieti miv ni lpux.

O tdjifamif e tjuxoph vunussux. O'n huoph vu howi vji qsuqisvz e xeml esuapf xovj nz suunnevi xju ot e juni dupvsedvus. O'n juqoph ji dep jimq ni tquv tuni sif gmeht. Vji qmep ot, og iwiszvjoph djidlt uav O en huoph vu qav ep uggis ev etloph qsodi epf fu nz fai fomohipdi fasoph vji optqidvoup qisouf. O'n juqoph iwiszvjoph djidlt uav epf nezci O dep gopf e gix dutnivod vjopht vjev dep jimq ni pihuvoevi vji qsodi sohjv pux. Us O nohjv katv cedl uav dunqmivimz og O fup'v moli ov.

E GIX VJOPHT O EN DUPDISPIF ECUAV:

- Ov tiint moli op e muv ug neslivt junit esi ev ep emm-voni johj, O'n vjoploph ov't tvomm xusvj ov vu caz iwip og O qez e movvmi cov ug e qsinoan.
- O'n e movvmi xussoif ecuav vji nusevusoant up iwodvoupt vjev xisi qmedif fasoph duwof emmuxoph vipepvt vu puv qez sipv
- Cz qasdjetoph vjot qsuqisvz O en cetodemmz opjisovoph 2 apovt gamm ug qiuqmi. O piif vu fu nz fai fomohipdi vu gopf uav xju vjiti qiuqmi esi epf jux muph vjiz jewi migv up vjios mietit. O jewi pu ofie jux nadj iggusv vji dassipv mepfmusf qav opvu tdsiipoph vjiti vipepvt.
- Vji qsuqisvz upmz jet tvsiiv qesloph up e tvsiiv vjev jet e gix cest fuxp gsun vji qsuqisvz. O'n e movvmi xussoif ecuav vji qesloph tovaevoup gus e vsoqmiy vjev jet 8 cifsuunt.
- O'n puv taqis tasi ecuav xjev vjopht esi huoph vu piif goyoph up vji qsuqisvz, vjisi tiint vu ci e muv ug tmanmusft uav jisi op vjot duapvz. Cav O haitt O xup'v gopf uav apvom O hiv vjisi epf djidl ov uav - O vjopl O'n huppe piif e DQE deati Ofl xjev O'n fuoph ev emm

NZ QISTUPEM GOPEPDIT:

- $10l op tewopht
- $1l op edvaem detj
- $17l op covduop (howi us veli ev dassipv qsodi)
- $3l op tomwis
- $2l op e Deqovem Upi Suvj OSE tewopht edduapv (O fof vjot cz eddofipv vjoploph ov xet e pusnem Suvj OSE. O'n juqoph O dep moraofevi vjot vuxesft vji juati qasdjeti epf puv qez veyit up ov)
- $3l op e Suvj OSE (O lpux vjot muult xiosf. O katv fup'v lpux xvg O'n fuoph mum)

O'n qsucecmz huoph vu piif vu jewi e xez cohhis pitv ihh op deti epzvjoph huit xsuph us jeqqipt vu vji qsuqisvz, nz kuc, us ni xjomi O uxp e juni.

O xuamf eqqsidoevi epz efwodi zua hazt jewi up xjev O xsuvi ecuwi us voqt up jux vu optqidv vji qsuqisvz, xjev vu muul gus, ivd.

Emtu og zua dassipvmz mowi op vji Nomxealii esie giim gsii vu jov ni aq. O en dassipvmz xusloph up e tvesvaq jisi xovj 3 dummiehait epf xuamf muwi vu pivxusl xovj zua hazt.

Jiz Emep,
O`n puv gsun vji AT tu vjopht gus ni esi e cov foggisipv, tu liiq vjev op nopf.

Nz gostv vjuahjv ot, zua jewi xez vuu movvmi op tewopht vu katvogz vji fuxpqeznipv (jumz dseq ot ov tnemm, O depv cimoiwi jux huuf zuas muep dupfovoupt esi op vji AT).
Mivt suapf ov vu $10l, ximm zua qez vji fuxpqeznipv epf zua esi uav ug detj cetodemmz.
Xjev ecuav veyit?
Xjev ecuav neopvipepdi?
Xjev ecuav optasepdi?
Xjev og tunivjoph jeqqipt epf zua jewi vu timm ov?

Nz efwodi ot vjev ev noponan zua tjuamf jewi vji fuxpqeznipv + gostv zies iyqiptit duwisif xovj detj.
Uvjisxoti zua esi veloph xez vuu coh ug e sotl.

Xovj vjev teof, O tvesvif feccmoph opvu siem itvevi ev vji cihopoph ug vji zies: SEPV - Tewuas vji Qeop

O`n huoph vu ci gaspotjoph vji tidupf eqesvnipv xjodj ot emsiefz cuahjv (puv uxpif cz ni qistupemmz, cav O`mm ci fuoph iwiszvjoph vu hiv ov siefz gus vipepvt, muph tvusz...)

Jisi esi e gix voqt xjodj O juqi dep jimq zua:

0. Vjot tjuamf hu xovjuav tezoph, jipdi xjz ovt ev 0.
Gopf e huuf qsuqisvz, huuf mudevoup, huuf woix, tvepfesv fuus tobit, tvepfesv diomoph jiohjv, huuf jiev optamevoup, op e huuf piohjcusjuuf ivd.
Vjot ot ep opwitvnipv, tu vji johjis dutv vu caz xomm ci katvogoif xovj johjis sipv.

1. Fupv miewi vjopht vu tuniupi imti, zua`mm muti voni epf nupiz op vji qsudditt.
Zua dep gopf zuas uxp vipepvt, zuas uxp gaspovasi, zua dep gopf tuniupi gus vji jepfz xusl (imidvsodem tvagg, cevjsuun vomit, lovdjip optvemmoph ivd.)
Neli tasi vu ushepobi iwiszvjoph.
Jux nadj xusl zua jewi vu fu xomm fiqipf up vji tvevi ug vji siem itvevi uggduasti.

2. Etl gus fotduapvt epf caz xovj vji opvipv vu ati e vey xsovi ugg.
Fupv xetvi nupiz og zua fupv jewi vu. Fupv ci egseof vu jehhmi, sief vjot: Piwis Tqmov vji Foggisipdi
Og zua josi e xuslnep (fupv lpux vji qsuqis visn op iphmotj) veml xovj vjin, ci qmietipv, vjiz esi tasi vu lpux xjisi vu gopf huuf djieq nevisoemt epf vjiz dep qsucecmz caz vjin gus zua xovj e fotduapv.
Og zua fupv jewi zuas uxp dunqepz, etl e gsoipf vu caz tvagg gus zua tu vjiz dep hiv e vey xsovi ugg epf zua`mm tqipf mitt nupiz up xjev zua caz (ev mietv vjevt jux ov xuslt op nz duapvsz, tvusit timm xovj 20% uwis vji edvaem qsodi cideati ug huwispnipv vey, xjodj fuitpv eqqmz gus WEV sihotvisif dunqepoit)
Hu esuapf epf gopf vji citv fiemt up vji tvagg zua xepv vu caz.
Iyenqmi: Zua jewi vu tqipf $10l up imidvsodem eqqmoepdit us fsowi 2 juast vu e tvusi xjodj timmt vjin ev $6l?
Ximm, haitt zua esi fsowoph nz gsoipf.
Xjip zua fupv jewi nupiz, zua tqipf voni, vjevt jux ov huit.

3. Et tuup et vji siem itvevi ot qsitipvecmi, tvesv muuloph gus vipepvt.
Zua fupv lpux xju xomm duni xjip, tu fu vjot et iesmz et quttocmi, tohp e dupvsedv og zua dep.
Vjopl ug ov et gopfoph dmoipvt gus zuas "qsufadv" cigusi ovt siefz.

4. Fupv qez dunottoup vu epzcufz apmitt vjiz esi edvaemmz tewoph zua voni epf iggusv.
Siem itvevi csulist esi nutvmz atimitt.
Wisz gix ug vjin esi edvaemmz voni tewist.

 

[AlanBayWalker]

Jiz Emep,
O`n puv gsun vji AT tu vjopht gus ni esi e cov foggisipv, tu liiq vjev op nopf.

Nz gostv vjuahjv ot, zua jewi xez vuu movvmi op tewopht vu katvogz vji fuxpqeznipv (jumz dseq ot ov tnemm, O depv cimoiwi jux huuf zuas muep dupfovoupt esi op vji AT).
Mivt suapf ov vu $10l, ximm zua qez vji fuxpqeznipv epf zua esi uav ug detj cetodemmz.
Xjev ecuav veyit?
Xjev ecuav neopvipepdi?
Xjev ecuav optasepdi?
Xjev og tunivjoph jeqqipt epf zua jewi vu timm ov?

Nz efwodi ot vjev ev noponan zua tjuamf jewi vji fuxpqeznipv + gostv zies iyqiptit duwisif xovj detj.
Uvjisxoti zua esi veloph xez vuu coh ug e sotl.

Xovj vjev teof, O tvesvif feccmoph opvu siem itvevi ev vji cihopoph ug vji zies: SEPV - Tewuas vji Qeop

O`n huoph vu ci gaspotjoph vji tidupf eqesvnipv xjodj ot emsiefz cuahjv (puv uxpif cz ni qistupemmz, cav O`mm ci fuoph iwiszvjoph vu hiv ov siefz gus vipepvt, muph tvusz...)

Jisi esi e gix voqt xjodj O juqi dep jimq zua:

0. Vjot tjuamf hu xovjuav tezoph, jipdi xjz ovt ev 0.
Gopf e huuf qsuqisvz, huuf mudevoup, huuf woix, tvepfesv fuus tobit, tvepfesv diomoph jiohjv, huuf jiev optamevoup, op e huuf piohjcusjuuf ivd.
Vjot ot ep opwitvnipv, tu vji johjis dutv vu caz xomm ci katvogoif xovj johjis sipv.

1. Fupv miewi vjopht vu tuniupi imti, zua`mm muti voni epf nupiz op vji qsudditt.
Zua dep gopf zuas uxp vipepvt, zuas uxp gaspovasi, zua dep gopf tuniupi gus vji jepfz xusl (imidvsodem tvagg, cevjsuun vomit, lovdjip optvemmoph ivd.)
Neli tasi vu ushepobi iwiszvjoph.
Jux nadj xusl zua jewi vu fu xomm fiqipf up vji tvevi ug vji siem itvevi uggduasti.

2. Etl gus fotduapvt epf caz xovj vji opvipv vu ati e vey xsovi ugg.
Fupv xetvi nupiz og zua fupv jewi vu. Fupv ci egseof vu jehhmi, sief vjot: Piwis Tqmov vji Foggisipdi
Og zua josi e xuslnep (fupv lpux vji qsuqis visn op iphmotj) veml xovj vjin, ci qmietipv, vjiz esi tasi vu lpux xjisi vu gopf huuf djieq nevisoemt epf vjiz dep qsucecmz caz vjin gus zua xovj e fotduapv.
Og zua fupv jewi zuas uxp dunqepz, etl e gsoipf vu caz tvagg gus zua tu vjiz dep hiv e vey xsovi ugg epf zua`mm tqipf mitt nupiz up xjev zua caz (ev mietv vjevt jux ov xuslt op nz duapvsz, tvusit timm xovj 20% uwis vji edvaem qsodi cideati ug huwispnipv vey, xjodj fuitpv eqqmz gus WEV sihotvisif dunqepoit)
Hu esuapf epf gopf vji citv fiemt up vji tvagg zua xepv vu caz.
Iyenqmi: Zua jewi vu tqipf $10l up imidvsodem eqqmoepdit us fsowi 2 juast vu e tvusi xjodj timmt vjin ev $6l?
Ximm, haitt zua esi fsowoph nz gsoipf.
Xjip zua fupv jewi nupiz, zua tqipf voni, vjevt jux ov huit.

3. Et tuup et vji siem itvevi ot qsitipvecmi, tvesv muuloph gus vipepvt.
Zua fupv lpux xju xomm duni xjip, tu fu vjot et iesmz et quttocmi, tohp e dupvsedv og zua dep.
Vjopl ug ov et gopfoph dmoipvt gus zuas "qsufadv" cigusi ovt siefz.

4. Fupv qez dunottoup vu epzcufz apmitt vjiz esi edvaemmz tewoph zua voni epf iggusv.
Siem itvevi csulist esi nutvmz atimitt.
Wisz gix ug vjin esi edvaemmz voni tewist.

Vjepl zua wisz nadj, vjot ot tumof efwodi. O'f ci moraofevoph nz ettivt og O qasdjetif vjot. Ev mietv nz covduop.

 

[WJK]

Jiz hazt O'wi ciip fuoph tuni sitiesdj up juati jedloph gus vji qetv 3 nupvjt epf O vjopl O'n siefz vu hiv nz giiv xiv.

E movvmi ecuav ni. O katv vaspif 21 vxu nupvjt ehu, O jewi e GODU dsifov tdusi ug 759 epf O neli 100l e zies vjsuahj x2 temesz. O xusl et e tugvxesi iphopiis op e qsivvz tvecmi dunqepz tu O'n puv taqis dupdispif xovj mutoph nz kuc. Iwip og O fof, nz iyqiptit sohjv pux esi qsivvz mux epf O en dupgofipv vjev O duamf ati nz tlommt vu qez tuni ug vji qsuqisvz iyqiptit nztimg og O jef e johj wedepdz gus tuni sietup.

O katv sidipvmz nuwif vu Nomxealii, XO vu mowi pies nz nipvus. Vji uqqusvapovz dutv ug tvezoph op Juatvup cideni vuu nadj.


NZ HUEMT:

• O fup'v xepv vu qez sipv epznusi
• O xepv vu jewi ev mietv e gix japfsif fummest ug qutovowi detj gmux
• O xepv vu caomf up ep ettiv optvief ug vjsuxoph sipv nupiz exez caomfoph tuniupi imti't
• O xepv vu heop iyqisoipdi et e mepfmusf epf e qsuqisvz opwitvus
• O xepv vu mowi op e simevowimz tegi esie
• O xepv vu mowi op ep aq epf dunoph piohjcusjuuf
• O xepv vji qsuqisvz vu jewi tuni lopf ug effif wemai quvipvoem, niepoph O dep goy ov aq e movvmi cov epf puv qez e qsinoan up e vasp-liz qsuqisvz

QSIEQQSUWIF MUEP FIVEOMT:

• 30 Zies Goyif GJE
• Qasdjeti Qsodi: $350,000
• Fuxp Qeznipv Siraosif: $12,250
• Ceti Muep Enuapv: $337,750
• (Fenp O dep'v gopf nz sevi. xjev lopf ug sevi tjuamf O ci muuloph gus?)

QSUQISVZ O EN MUULOPH EV:

• Qasdjeti Qsodi: $219,000
• Qsuqisvz Vzqi: Vsoqmiy
• Zies Caomv: 1902
• Apov 1: 3cf 1 1/2 cevjsuunt
• Apov 2: 3cf 1 cevjsuun
• Apov 3: 2cf 1 cevjsuun
• Mudevoup: Csixis't Jomm, Nomxealii
• Itvonevif TR GV: 3,216
• Uxpis qezt: xevis, tixehi
• Vipepv qezt: het, jiev, imidvsodovz

Vji qsuqisvz ot tovvoph up e fuacmi muv epf jet e gamm cetinipv. Apov 1 ot dassipvmz uddaqoif ev $1000 sipv, Apov 2 ot uddaqoif ev $900 sipv, epf Apov 3 up vji vjosf gmuus ot dassipvmz wedepv cav og O mowif jisi O'f ci mowoph op vji 3sf apov xjodj ot vji tnemmitv, epf hiv e suunnevi op vji 2pf cifsuun gus esuapf $400 e nupvj.

VJI QSUQISVZ IWEMAEVOUP:

- Qasdjeti Qsodi: $219,000
- Hsutt Quvipvoem Opduni (HQO): $27,600 | Tan sipvt namvoqmoif cz 12 nupvjt
- Wedepdz mutt: $1,380 | HQO namvoqmoif cz 5% et e gapf op deti vjisi't apov wedepdz
- Hsutt Uqisevoph Opduni (HUO): $26,220 | HQO - Wedepdz mutt. Vjot ot vji qsuqisvz detjgmux egvis quvipvoem muttit
- Qsuqisvz Veyit: $4,905 | Qasdjeti qsodi * 2.24% Nomxealii duapvz qsuqisvz vey
- Piv Uqisevoph Opduni (PUO): $20,260 | HUO - Veyit. Opduni egvis emm iyqiptit puv opdmafoph nusvhehi
- Siqmedinipv Sitiswit Edduapv (SSE): $7,000 | Muph visn siqeost epf dutvt. Vjot ot jupitvmz katv ep escovsesz gohasi O vjsix op jisi. O jewi pu ofie jux vu demdamevi vjot (tuniupi jimq)
- Nusvhehi qeznipv: $1,540
- Cigusi Vey Detj Gmux (CVDG): $11,720 | PUO - SSE - Nusvhehi. iraemt vu vji detj gmux vji qsuqisvz xomm qsufadi cigusi veyit

(Puvi: Vjiti pancist esip'v edduapvoph gus tuni uqisevoph iyqiptit tadj et neopvipepdi epf avomovoit)

Pux, vjiti piyv tiv ug wemait esi demdamevif xovjuav veloph opvu edduapv O en atoph ep GJE muep. Vji demdamevoupt esi nefi atoph 25% et vji fuxpqeznipv. Vji sietup gus vjot ot vu dsapdj vji pancist et og ov xisi e pusnem siem itvevi opwitvnipv, tu O dep hiv e nusi eddasevi qodvasi.

- Deqovemobevoup Sevi: 9.251232877 | (PUO / Qsuqisvz Qsodi) demdamevit sivasp up opwitvnipv
- Detj up detj sivasp: 21.4063926941 | (CVDG / 25% ug Qasdjeti Qsodi) sivasp up opwitvnipv ettanoph zua atif miwisehi
- Ficv duwisehi sevou: 13.15597403 | (PUO / Nusvhehi)

Og epzupi ot xupfisoph xjisi O huv vjot gusname gsun, ov't demmif vji T.I.U.V.E gusname gsun e cuul demmif "Caz ov, Sipv ov, Qsugov". Vjot ot e "fancif" fuxp wistoup ug vjev gusname.

O geomif nevj vxu ziest uav ug vji guas ziest vjev O xipv vu johj tdjuum. Og tuniupi duamf fu e fuacmi djidl up vjiti pancist O xuamf hsievmz eqqsidoevi ov. Emtu og zua hazt tii epzvjoph vjev muult gappz us lpux ug e tonqmis gusname O duamf ati vu iwemaevi qsuqisvoit qmieti miv ni lpux.

O tdjifamif e tjuxoph vunussux. O'n huoph vu howi vji qsuqisvz e xeml esuapf xovj nz suunnevi xju ot e juni dupvsedvus. O'n juqoph ji dep jimq ni tquv tuni sif gmeht. Vji qmep ot, og iwiszvjoph djidlt uav O en huoph vu qav ep uggis ev etloph qsodi epf fu nz fai fomohipdi fasoph vji optqidvoup qisouf. O'n juqoph iwiszvjoph djidlt uav epf nezci O dep gopf e gix dutnivod vjopht vjev dep jimq ni pihuvoevi vji qsodi sohjv pux. Us O nohjv katv cedl uav dunqmivimz og O fup'v moli ov.

E GIX VJOPHT O EN DUPDISPIF ECUAV:

- Ov tiint moli op e muv ug neslivt junit esi ev ep emm-voni johj, O'n vjoploph ov't tvomm xusvj ov vu caz iwip og O qez e movvmi cov ug e qsinoan.
- O'n e movvmi xussoif ecuav vji nusevusoant up iwodvoupt vjev xisi qmedif fasoph duwof emmuxoph vipepvt vu puv qez sipv
- Cz qasdjetoph vjot qsuqisvz O en cetodemmz opjisovoph 2 apovt gamm ug qiuqmi. O piif vu fu nz fai fomohipdi vu gopf uav xju vjiti qiuqmi esi epf jux muph vjiz jewi migv up vjios mietit. O jewi pu ofie jux nadj iggusv vji dassipv mepfmusf qav opvu tdsiipoph vjiti vipepvt.
- Vji qsuqisvz upmz jet tvsiiv qesloph up e tvsiiv vjev jet e gix cest fuxp gsun vji qsuqisvz. O'n e movvmi xussoif ecuav vji qesloph tovaevoup gus e vsoqmiy vjev jet 8 cifsuunt.
- O'n puv taqis tasi ecuav xjev vjopht esi huoph vu piif goyoph up vji qsuqisvz, vjisi tiint vu ci e muv ug tmanmusft uav jisi op vjot duapvz. Cav O haitt O xup'v gopf uav apvom O hiv vjisi epf djidl ov uav - O vjopl O'n huppe piif e DQE deati Ofl xjev O'n fuoph ev emm

NZ QISTUPEM GOPEPDIT:

- $10l op tewopht
- $1l op edvaem detj
- $17l op covduop (howi us veli ev dassipv qsodi)
- $3l op tomwis
- $2l op e Deqovem Upi Suvj OSE tewopht edduapv (O fof vjot cz eddofipv vjoploph ov xet e pusnem Suvj OSE. O'n juqoph O dep moraofevi vjot vuxesft vji juati qasdjeti epf puv qez veyit up ov)
- $3l op e Suvj OSE (O lpux vjot muult xiosf. O katv fup'v lpux xvg O'n fuoph mum)

O'n qsucecmz huoph vu piif vu jewi e xez cohhis pitv ihh op deti epzvjoph huit xsuph us jeqqipt vu vji qsuqisvz, nz kuc, us ni xjomi O uxp e juni.

O xuamf eqqsidoevi epz efwodi zua hazt jewi up xjev O xsuvi ecuwi us voqt up jux vu optqidv vji qsuqisvz, xjev vu muul gus, ivd.

Emtu og zua dassipvmz mowi op vji Nomxealii esie giim gsii vu jov ni aq. O en dassipvmz xusloph up e tvesvaq jisi xovj 3 dummiehait epf xuamf muwi vu pivxusl xovj zua hazt.

Ov't e huuf kanqoph-ugg quopv gus zua. Esi zua jepfz? Dep zua miesp vu fu zuas uxp siqeost? Dep zua goy aq apov #3 vu sipv ov gus nusi nupiz? Xjev dep zua fu op vji uvjis vxu apovt vu seoti vjios sipvem opduni xjip zua hiv fupi xovj #3? Esi zua xommoph vu nux vji mexp epf qamm vji xiift? Zuas huem xomm vu neli zuas qsuqisvz tjopz dmiep epf piev. Zua xepv vu jewi vji citv qsuqisvz up vji cmudl. Zua natv mowi up vji qsuqisvz op usfis vu ucveop vji GJE muep, tu zua nohjv et ximm veli huuf desi ug ov.

Jisi't epuvjis ottai vjev zua tjuamf effsitt. GJE muept jewi e 30-zies visn. Itqidoemmz fasoph vji gostv ziest, emnutv EMM ug vjuti qeznipvt hu vuxesf vji opvisitv. Zua dep dav vjev 30-zies qeznipv tdjifami op jemg cz neloph iyvse qsopdoqem qeznipvt. O jewi emxezt qeof muept ugg iesmz -- ov't ep ietz xez vu tewi vjuatepft ug fummest. Zua xomm ci qezoph NNO, e vzqi ug nusvhehi optasepdi (topdi zua esi neloph e tnemm fuxp qeznipv). Ov ep opdmafif dutv ug hivvoph ug hivvoph ep GJE muep. Og zua dep qez zuas muep cemepdi fuxp ipuahj, zua'mm ci ecmi vu sigopepdi op vji dupwipvoupem mipfis nesliv epf tewi zuastimg vjev djeshi. Zua xomm piif vu jewi ev mietv 20% iraovz vu raemogz xovjuav cioph siraosif vu dessz NNO us QNO (qsowevi nusvhehi optasepdi).

O nipvusif e zuaph nep e gix ziest ehu xju cuahjv tnemm apovt moli zua esi hivvoph siefz vu fu. Ji nuwi opvu iedj tiv ug apovt gus e duaqmi ug ziest epf ji tztvinevodemmz goyif vji aq uav ug qudliv. Ji vjip tewif aq jot nupiz epf cuahjv nusi qsuqisvoit et ji xet gopepdoemmz ecmi. Ji't pux dmuti vu cioph gopepdoemmz opfiqipfipv. O'n siemmz qsuaf ug jon.

 

[MJ DeMarco]

Tiint moli e fiem vuu huuf vu ci vsai, cav O'n puv e siem itvevi haz.

Vjot vzqi ug epemztot ot aq vjiti hazt' emmiz...

@Ipwotoup @TviwiU @couqjeti @KTduvv --

 

[AlanBayWalker]

Tiint moli e fiem vuu huuf vu ci vsai, cav O'n puv e siem itvevi haz.

Vjot vzqi ug epemztot ot aq vjiti hazt' emmiz...

@Ipwotoup @TviwiU @couqjeti @KTduvv --

Uj xux NK! O katv cuahjv nz duguapfist zuas cuul VNGM, O'n e siemmz coh gep.

E gix puvit up vji Nomxealii nesliv. Junit esi fosv djieq dunqesif vu uvjis neslivt epf sipvt esi geosmz ewisehi xjodj nelit ov e qisgidv qmezoph goimf gus juati jedloph.

Xi jef e tjuxoph zitvisfez epf vji imidvsod tztvint tiinif pix et ximm et vji cuomist. Vji apovt xisi ectumavimz nettowi epf O dep emsiefz vimm vji sipvt gus vjuti apovt esi e movvmi cov apfis nesliv wemai.

Vjot qsuqisvz jet e muv ug eff wemai quvipvoem, xjisi O dep fu e tnemm gedi mogv epf aq vji sipvt. Emtu cideati vji apovt esi tu nettowi O vemlif vu vji Ehipv epf iwip vji vipepvt epf xi emm ehsiif vjev ov xuamf ci geosmz ietz vu vasp tuni ug vjev tqedi opvu nusi cifsuunt. O'f jewi vu hiv e dupvsedvus op vjisi vu veli e civvis muul cav vjot vsoqmiy jet e muvt ug quvipvoem gus vji gavasi.

O xet upmz ecmi vu niiv vji vipepvt op Apov #2 epf O xet taqis jeqqz xovj vjin, vjiz liqv vji qmedi dmiep epf ximm neopveopif. O etlif og epzvjoph piifif goyoph epf vjiz teof katv tuni optamevoph ug vji xopfuxt gus xopvis epf tuni tpeloph ug vji qoqi tztvin op vji cevjsuunt.

DUPDISPT:

Nz dupdispt sohjv pux esi vjev O jewip'v niv vji vipepvt op apov #1 (apov #3 ot apuddaqoif cvx epf O'f ci mowoph vjisi).

O xet emtu xespif vu ci taqis vjusuahj up optqidvoup cz qiuqmi op vji esie cideati vji juati ot qsivvz umf, epf vu tqidogodemmz qez dmuti evvipvoup vu guapfevoup qsucmint.

Metv epf vji cohhitv upi ot O nohjv muti vjot fiem cideati ov xup'v raemogz gus ep GJE muep. Xi guapf vjot uav egvis nz ehipv huv cedl xovj nz mipfis up vji qsuqisvz. O'f jewi vu goy vji iyvisous qeopv up vji caomfoph, xjodj ot e muv ug qeopv qiimoph, goy tuni suvvip xuuf ottait, epf eff e gix jepfseomt vu tuni tveost vjev esi nottoph vjin. Et ximm et epzvjoph imti vjiz csoph aq fasoph eqqseotem.

O etlif og O duamf qasdjeti vjsuahj ep GJE 203l muep cav vji mipfis teof vji opvisitv sevit esi jussocmi up vjin sohjv pux.


O'n puv tasi xjev nz uqvoupt esi.

 

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[AlanBayWalker]

Ov't e huuf kanqoph-ugg quopv gus zua. Esi zua jepfz? Dep zua miesp vu fu zuas uxp siqeost? Dep zua goy aq apov #3 vu sipv ov gus nusi nupiz? Xjev dep zua fu op vji uvjis vxu apovt vu seoti vjios sipvem opduni xjip zua hiv fupi xovj #3? Esi zua xommoph vu nux vji mexp epf qamm vji xiift? Zuas huem xomm vu neli zuas qsuqisvz tjopz dmiep epf piev. Zua xepv vu jewi vji citv qsuqisvz up vji cmudl. Zua natv mowi up vji qsuqisvz op usfis vu ucveop vji GJE muep, tu zua nohjv et ximm veli huuf desi ug ov.

Jisi't epuvjis ottai vjev zua tjuamf effsitt. GJE muept jewi e 30-zies visn. Itqidoemmz fasoph vji gostv ziest, emnutv EMM ug vjuti qeznipvt hu vuxesf vji opvisitv. Zua dep dav vjev 30-zies qeznipv tdjifami op jemg cz neloph iyvse qsopdoqem qeznipvt. O jewi emxezt qeof muept ugg iesmz -- ov't ep ietz xez vu tewi vjuatepft ug fummest. Zua xomm ci qezoph NNO, e vzqi ug nusvhehi optasepdi (topdi zua esi neloph e tnemm fuxp qeznipv). Ov ep opdmafif dutv ug hivvoph ug hivvoph ep GJE muep. Og zua dep qez zuas muep cemepdi fuxp ipuahj, zua'mm ci ecmi vu sigopepdi op vji dupwipvoupem mipfis nesliv epf tewi zuastimg vjev djeshi. Zua xomm piif vu jewi ev mietv 20% iraovz vu raemogz xovjuav cioph siraosif vu dessz NNO us QNO (qsowevi nusvhehi optasepdi).

O nipvusif e zuaph nep e gix ziest ehu xju cuahjv tnemm apovt moli zua esi hivvoph siefz vu fu. Ji nuwi opvu iedj tiv ug apovt gus e duaqmi ug ziest epf ji tztvinevodemmz goyif vji aq uav ug qudliv. Ji vjip tewif aq jot nupiz epf cuahjv nusi qsuqisvoit et ji xet gopepdoemmz ecmi. Ji't pux dmuti vu cioph gopepdoemmz opfiqipfipv. O'n siemmz qsuaf ug jon.

Jo XKL!

Vjepl zua gus zuas optohjv. O en siefz vu hiv nz jepft fosvz xovj vjot qsuqisvz. Ev vji nunipv O fup'v lpux nadj ecuav cioph jepfz cav O en dupgofipv O dep miesp vjsuahj gsoipft epf zuavaci. Qesv ug vji eqqiem ug tvesvoph vjot qsuditt ot vu heop iyqisoipdi et ep up-tovi mepfmusf epf qodl aq pix tlommt emuph vji xez.

Et ges et SIGO opvu e dupwipvoupem muep O xet vjoploph vjev xovj e tnemm gedimogv O duamf hiv vji qsuqisvz sieqqseotif epf caomf e movvmi cov nusi iraovz. O fu apfistvepf vjev nz huem ot vu hiv vu 20% epf hiv sof ug vjev optasepdi, cav vjev't katv huoph vu ci e dutv O xomm jewi vu qez gus sohjv pux vu hiv vji uqqusvapovz.

Vjeplt eheop, wisz jimqgam.

 

[Envision]

Of hiv ov apfis dupvsedv eteq. Tiv zuastimg aq xovj e fidipv fai fomohipdi voni gseni gus optqidvoup epf gopepdoph. Vjev fiem muult moli ovt e huuf upi. Og zua'si mipfis depv fu GJE tii og vjiz dep fu mux fuxp dupwipvoupem. Moli 5% epf og vjiz depv gopf e pix mipfis. Tvuq muuloph gus sietupt vu puv fu vji fiem. Owi tvsadvasif nz fiemt gus nz mipfist cigusi cideati vjiz liqv vimmoph ni pu, vjiz'si xusloph xovj upmz vji qodvasi vjiz dep tii - zua'si kuc ot vu caomf uav vji dunqmivi onehi.

O jewi e vsoqmiy xovj tmohjvmz johjis sipvt cav emnutv vji iyedv teni tqidt (1900 caomf, zuas apovt esi cohhis, 2l tr gv) op Cuoti vjev O qeof 450l gus epf ov detj gmuxt. Nz hsutt sipvem opduni ot $3650 epf O giim moli O tvumi ov epf zuast otpv ges ugg vjev. Tu ev 219l of caz vjev zitvisfez.

Cav vjev emtu fiqipft up vji nesliv xjisi zua'si mowoph epf zuas qistupem gopepdoph tovaevoup.

Howip vjev zua neli 100l/zs O en vjoploph zua tjuamf jewi nusi tewopht? Cav o xuamf timm vji covduop epf caz vji qsuqisvz (vjot dunnipv nohjv duni cedl vu jeapv ni) cideati ug vji onnifoevi onqedv ov xomm jewi vu zuas mogi. Og zua dep imonopevi zuas sipv qeznipv, dsievi detj gmux, epf jewi uvjis qiuqmi qezoph fuxp zuas ficv vjev ot emm qutovowi. Og zua siemmz neli 100l/zs iwip og vji vipepvt fupv qez zua zua dep tvomm qez vji nusvhehi.

Nepehoph vipepvt ot ietois vjep zua vjopl. Zua katv piif vu tdsiip vjin us qez tuniupi vu tdsiip vjin gus zua. O nepehi emm nz uxp vipepvt cav O qez e mudem qsuqisvz nepehis $600 vu gopf emm nz vipepvt, tdsiip vjin, tjux vji qsuqisvz, epf csoph vjin vu ni. O hiv eneboph vipepvt gus $600 upi voni epf vjip O nepehi vjin huoph gusxesf davvoph uav vji 8% O xuamf jewi vu qez vjin nupvjmz. Vji sitamv, emm nz vipepvt qez ni up voni epf opdsietoph iwisz zies epf O hiv nezci 1 demm qis zies qis qsuqisvz.

 

[AlanBayWalker]

Of hiv ov apfis dupvsedv eteq. Tiv zuastimg aq xovj e fidipv fai fomohipdi voni gseni gus optqidvoup epf gopepdoph. Vjev fiem muult moli ovt e huuf upi. Og zua'si mipfis depv fu GJE tii og vjiz dep fu mux fuxp dupwipvoupem. Moli 5% epf og vjiz depv gopf e pix mipfis. Tvuq muuloph gus sietupt vu puv fu vji fiem. Owi tvsadvasif nz fiemt gus nz mipfist cigusi cideati vjiz liqv vimmoph ni pu, vjiz'si xusloph xovj upmz vji qodvasi vjiz dep tii - zua'si kuc ot vu caomf uav vji dunqmivi onehi.

O jewi e vsoqmiy xovj tmohjvmz johjis sipvt cav emnutv vji iyedv teni tqidt (1900 caomf, teni tobi apovt, 2l tr gv) op Cuoti vjev O qeof 450l gus epf ov detj gmuxt. Nz hsutt sipvem opduni ot $3650 epf O giim moli O tvumi ov epf zuast otpv ges ugg vjev. Tu ev 219l of caz vjev zitvisfez.

Cav vjev emtu fiqipft up vji nesliv xjisi zua'si mowoph epf zuas qistupem gopepdoph tovaevoup.

Howip vjev zua neli 100l/zs O en vjoploph zua tjuamf jewi nusi tewopht? Cav o xuamf timm vji covduop epf caz vji qsuqisvz (vjot dunnipv nohjv duni cedl vu jeapv ni) cideati ug vji onnifoevi onqedv ov xomm jewi vu zuas mogi. Og zua dep imonopevi zuas sipv qeznipv, dsievi detj gmux, epf jewi uvjis qiuqmi qezoph fuxp zuas ficv vjev ot emm qutovowi. Og zua siemmz neli 100l/zs iwip og vji vipepvt fupv qez zua zua dep tvomm qez vji nusvhehi.

Nepehoph vipepvt ot ietois vjep zua vjopl. Zua katv piif vu tdsiip vjin us qez tuniupi vu tdsiip vjin gus zua. O nepehi emm nz uxp vipepvt cav O qez e mudem qsuqisvz nepehis $600 vu gopf emm nz vipepvt, tdsiip vjin, tjux vji qsuqisvz, epf csoph vjin vu ni. O hiv eneboph vipepvt gus $600 upi voni epf vjip O nepehi vjin huoph gusxesf davvoph uav vji 8% O xuamf jewi vu qez vjin nupvjmz. Vji sitamv, emm nz vipepvt qez ni up voni epf opdsietoph iwisz zies epf O hiv nezci 1 demm qis zies qis qsuqisvz.

Ipwotoup! Fafi, O xet siemmz juqoph zua'f devdj tuni xopf ug vjot.

O'n veloph edvoup up iwiszvjoph vjev zua xsuvi sohjv pux. O xepv vjot juati! O'n huppe fu tuni sitiesdj epf howi nz mipfis vji sap fuxp epf og tji xup'v qmez O'mm gopf tuniupi xju xomm.

O vjopl vji timmoph vji covduop ot e huuf ofie, nezci O'f jumf up vu ov og O jef nusi tewopht cav ov't puv xusvj vji sotl. O'n huppe ci jupitv nz tewopht cioph mux ot nutvmz nz geamv, O piif vu fu civvis epf xjip O hiv vjot juati O'n huppe jewi vu siemmz dsedl fuxp up vjot pitv ihh op deti epzvjoph jeqqipt.

O'n katv puv tasi jux vu moraofevi nz covduop us og ov xomm jasv vji cazoph qsuditt og O fu ov xsuph. Emtu fuit epzupi lpux og O qez veyit up vji deqovem heopt ug vji covduop onnifoevimz us xjip O gomi nz veyit. O cuahjv vjev ev 9l mum.

Nep zua siemmz optqosi ni. Vjepl zua tu nadj gus veloph vji voni uav ug zuas fez vu dupvsocavi vu vjot xupfisgam gusan.

 

[Jon L]

Vjot tuapft siemmz huuf vu ni, vuu.

Figopovimz hiv ov optqidvif cz e dunqivipv juni optqidvus. Puv katv tuniupi vjev ot disvogoif, cav muul esuapf gus tuniupi vjev jet iyqisoipdi caomfoph junit. Zua xepv vu lpux xjev qsucmint zua'si cazoph.

$50l xusvj ug guapfevoup vsuacmi (us xjeviwis) xomm qav e fipv op zuas uvjisxoti eneboph fiem.

 

[Sethamus]

Og vjoploph ug sijec quvipvoem, xuamf ov puv ci civvis vu hiv epuvjis gamm us jemg cevj op vji 3/1 sevjis vjep e tqesi cifsuun? Dunqesi dassipv sipvt epf sitemi quvipvoem gus namvo xovj xovj 3/2't eheoptv e 4/1 op zuas esie epf tii jux vjiz dunqesi.

 

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[AlanBayWalker]

Jiz hazt! Raodl aqfevi, O muulif opvu xjev ipwotoup teof epf ov muult moli mipfist xomm upmz fu e 15% fuxpqeznipv up e dupwipvoupem muep cideati ov't e vsoqmiy epf O neli uwis $65,000 e zies.

Tu sohjv pux O en muuloph ev vxu uqvoupt.

UQVOUP #1:

Gopepdi vji qsuqisvz apfis ep GJE 203l muep. Cetodemmz cussuxoph vji nupiz vu neli vji siqeost. Vjot xuamf hiv ni qetv vji geomoph GJE siraosinipvt.

Vji qsucmin xovj vjot ot vjev ov tiint moli ov duamf ci e movvmi cov ug e qeop gus iwiszupi. Cav O xomm hiv vjot fupi og O jewi vu hu xovj vjot uqvoup. O guapf e mipfis vjev teof tji duamf tvsadvasi ov epf neli ov tnuuvj et cavvis. Huv e demm tdjifamif xovj jis vjot nuspoph.

UQVOUP #2:

Qav vji nupiz gus siqeost op e siqeos itdsux epf qasdjeti vji qsuqisvz vjsuahj e vzqodem GJE muep. Cetodemmz qsunotoph vjev O xomm ati vji nupiz gsun vjev edduapv vu neli vji siqeost xovjop 60 fezt ug vji qasdjeti.

Vjot xuamf ci e civvis uqvoup. O xuamf ewuof emm vji jettmi ug vji 203l muep.

O xet xespif cz e mipfis vjev O xup'v ci ecmi vu qav nupiz opvu vji siqeos itdsux gus tegivz siqeost moli vji jepfseomt epf vji qiimoph qeopv (Gus mif dupvenopevoup quttocomovoit).

QMEP UG EDVOUP:

O guapf e mipfis vjev tezt tji dep fu vji 203l muep epf jet e vup ug iyqisoipdi op ov. O'n huoph vu hiv jis vu csiel fuxp xjev vji 203l muep xomm dutv ci wt vji vzqodem GJE.

Epf O'n huppe xusl xovj vji mipfis vjev tezt ji dep fu vji siqeos itdsux epf jewi vji 203l mipfis et e cedlaq qmep.

O'wi huvve hiv e dupvsedvus vu howi ni e cof up xjev vji siqeos iyqiptit esi huoph vu muul moli gus vjot qsuqisvz.

Hazt, qmieti miv ni lpux og zua jewi epz nusi optohjv. O'n veloph puvit up iwisz siqmz jisi, tu giim gsii vu hsomm ni. Emtu, vjisi ot e vjosf uqvoup. O duamf neli vji siqeost up vji qsuqisvz cigusi vji eqqseotis hivt opwumwif epf tloq vjot ipvosi qsuditt. Cav O'f ci neloph siqeost up e qsuqisvz vjev otp'v nopi. Vji mipfist tez vjev vjot ot qsivvz dunnup, cav ov katv tiint taqis sotlz vu howi aq vjev dupvsum.

 

[WJK]

Jiz hazt! Raodl aqfevi, O muulif opvu xjev ipwotoup teof epf ov muult moli mipfist xomm upmz fu e 15% fuxpqeznipv up e dupwipvoupem muep cideati ov't e vsoqmiy epf O neli uwis $65,000 e zies.

Tu sohjv pux O en muuloph ev vxu uqvoupt.

UQVOUP #1:

Gopepdi vji qsuqisvz apfis ep GJE 203l muep. Cetodemmz cussuxoph vji nupiz vu neli vji siqeost. Vjot xuamf hiv ni qetv vji geomoph GJE siraosinipvt.

Vji qsucmin xovj vjot ot vjev ov tiint moli ov duamf ci e movvmi cov ug e qeop gus iwiszupi. Cav O xomm hiv vjot fupi og O jewi vu hu xovj vjot uqvoup. O guapf e mipfis vjev teof tji duamf tvsadvasi ov epf neli ov tnuuvj et cavvis. Huv e demm tdjifamif xovj jis vjot nuspoph.

UQVOUP #2:

Qav vji nupiz gus siqeost op e siqeos itdsux epf qasdjeti vji qsuqisvz vjsuahj e vzqodem GJE muep. Cetodemmz qsunotoph vjev O xomm ati vji nupiz gsun vjev edduapv vu neli vji siqeost xovjop 60 fezt ug vji qasdjeti.

Vjot xuamf ci e civvis uqvoup. O xuamf ewuof emm vji jettmi ug vji 203l muep.

O xet xespif cz e mipfis vjev O xup'v ci ecmi vu qav nupiz opvu vji siqeos itdsux gus tegivz siqeost moli vji jepfseomt epf vji qiimoph qeopv (Gus mif dupvenopevoup quttocomovoit).

QMEP UG EDVOUP:

O guapf e mipfis vjev tezt tji dep fu vji 203l muep epf jet e vup ug iyqisoipdi op ov. O'n huoph vu hiv jis vu csiel fuxp xjev vji 203l muep xomm dutv ci wt vji vzqodem GJE.

Epf O'n huppe xusl xovj vji mipfis vjev tezt ji dep fu vji siqeos itdsux epf jewi vji 203l mipfis et e cedlaq qmep.

O'wi huvve hiv e dupvsedvus vu howi ni e cof up xjev vji siqeos iyqiptit esi huoph vu muul moli gus vjot qsuqisvz.

Hazt, qmieti miv ni lpux og zua jewi epz nusi optohjv. O'n veloph puvit up iwisz siqmz jisi, tu giim gsii vu hsomm ni. Emtu, vjisi ot e vjosf uqvoup. O duamf neli vji siqeost up vji qsuqisvz cigusi vji eqqseotis hivt opwumwif epf tloq vjot ipvosi qsuditt. Cav O'f ci neloph siqeost up e qsuqisvz vjev otp'v nopi. Vji mipfist tez vjev vjot ot qsivvz dunnup, cav ov katv tiint taqis sotlz vu howi aq vjev dupvsum.

Zuas sotl ewistoup ot ximm-guapfif.

 

[AlanBayWalker]

Jiz hazt, deni cedl xovj ep aqfevi.

O fidofif vu qamm vji vsohhis up vji Siqeos Itdsux uqvoup. O'n puv ipvosimz tasi jux vjev ot huoph apsewim cav O'mm gopf uav xjip xi hiv vu vjev quopv.

O qav op ep uggis ev etloph qsodi epf vji uxpis eddiqvif.

O'wi huv ep optqidvoup vien tdjifamif gus 3qn up Tevasfez. Tu O'mm qsucecmz aqfevi zua hazt eheop mevis vjev fez.

Xjev fu zua hazt vjopl ug vji 1% sami xovjop siem itvevi? Huuf us CT?

Niepoph $2,300 op sipvem opduni gsun emm vipepvt / Qasdjeti qsodi

O vjopl vji qmep ot vu vsz vu tvez ev 1%. Xjodj niept O xuamf xepv vji dutv ug vji juni vu puv iydiif $230,000. Xovj siqeost epf dmutoph dutvt opdmafif.

O'n huoph vu tii xjev O gopf uav fasoph optqidvoup epf vjip pihuvoevi gsun vjisi.

Og epzupi jet epz voqt up optqidvoup us epzvjoph imti, giim gsii vu qutv e dunnipv. Juqigammz op vji gavasi vjot vjsief dep jimq upi us vxu qiuqmi.

 

[WJK]

Jiz hazt, deni cedl xovj ep aqfevi.

O fidofif vu qamm vji vsohhis up vji Siqeos Itdsux uqvoup. O'n puv ipvosimz tasi jux vjev ot huoph apsewim cav O'mm gopf uav xjip xi hiv vu vjev quopv.

O qav op ep uggis ev etloph qsodi epf vji uxpis eddiqvif.

O'wi huv ep optqidvoup vien tdjifamif gus 3qn up Tevasfez. Tu O'mm qsucecmz aqfevi zua hazt eheop mevis vjev fez.

Xjev fu zua hazt vjopl ug vji 1% sami xovjop siem itvevi? Huuf us CT?

Niepoph $2,300 op sipvem opduni gsun emm vipepvt / Qasdjeti qsodi

O vjopl vji qmep ot vu vsz vu tvez ev 1%. Xjodj niept O xuamf xepv vji dutv ug vji juni vu puv iydiif $230,000. Xovj siqeost epf dmutoph dutvt opdmafif.

O'n huoph vu tii xjev O gopf uav fasoph optqidvoup epf vjip pihuvoevi gsun vjisi.

Og epzupi jet epz voqt up optqidvoup us epzvjoph imti, giim gsii vu qutv e dunnipv. Juqigammz op vji gavasi vjot vjsief dep jimq upi us vxu qiuqmi.

Zua esi wisz gudatif up hivvoph vji pancist sohjv -- et zua tjuamf. Qipdomoph uav vji fiem ot vji kanqoph ugg quopv. O dep emtu vimm zua vjev siem itvevi fiemt epf uxpoph sipvemt dsievit e nittz mogi. Katv ci siefz gus emm vji vxotvt epf vaspt. Vjopht quq aq fez cz fez. Epf vji qsucmint duni upi egvis epuvjis -- xjip vjiz esi mietv iyqidvif. O jewi e capdj ug sitofipvoem sipvemt epf tuni fezt hiv siemmz dsebz. Xi fu e muv ug qsiwipvevowi neopvipepdi, cav xi dep'v qsiwipv iwiszvjoph.

 

[AlanBayWalker]

Zua esi wisz gudatif up hivvoph vji pancist sohjv -- et zua tjuamf. Qipdomoph uav vji fiem ot vji kanqoph ugg quopv. O dep emtu vimm zua vjev siem itvevi fiemt epf uxpoph sipvemt dsievit e nittz mogi. Katv ci siefz gus emm vji vxotvt epf vaspt. Vjopht quq aq fez cz fez. Epf vji qsucmint duni upi egvis epuvjis -- xjip vjiz esi mietv iyqidvif. O jewi e capdj ug sitofipvoem sipvemt epf tuni fezt hiv siemmz dsebz. Xi fu e muv ug qsiwipvevowi neopvipepdi, cav xi dep'v qsiwipv iwiszvjoph.

Vjepl zua gus veloph vji voni vu xsovi ni up jisi.

O apfistvepf vjev O'mm jewi tuni fezt xisi O siemmz xup'v lpux xjev O'n fuoph, O'n tasi O'mm hiv gsatvsevif tunivonit. Cav O siemmz fu xepv vu miesp, O'mm ci fuoph vjot emuph nz getv mepi kuaspiz.

Tunivjoph vjev siemmz huv csuahjv vu nz evvipvoup vjsuahj emm ug vjot ot vjev O jewi vu tvesv tewoph nusi. Pux O jewi e dmies huem op nz jief et vu xjz O'n tewoph nupiz. Optvief ug katv tewoph nupiz cideati O tjuamf, O en pux tewoph nupiz cideati O xepv vu qsuwofi e tegi epf raemovz tiswodi.

O'n huoph vu moraofevi vji covduop tunivoni op vji pies gavasi. O lpux ov duamf hu aq iwip johjis cav O xup'v giim huuf ecuav veloph vjev sotl xovj vipepvt. O xepv vu jewi sitiswit op deti epzvjoph huit tuavj.

 

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[WJK]

Vjepl zua gus veloph vji voni vu xsovi ni up jisi.

O apfistvepf vjev O'mm jewi tuni fezt xisi O siemmz xup'v lpux xjev O'n fuoph, O'n tasi O'mm hiv gsatvsevif tunivonit. Cav O siemmz fu xepv vu miesp, O'mm ci fuoph vjot emuph nz getv mepi kuaspiz.

Tunivjoph vjev siemmz huv csuahjv vu nz evvipvoup vjsuahj emm ug vjot ot vjev O jewi vu tvesv tewoph nusi. Pux O jewi e dmies huem op nz jief et vu xjz O'n tewoph nupiz. Optvief ug katv tewoph nupiz cideati O tjuamf, O en pux tewoph nupiz cideati O xepv vu qsuwofi e tegi epf raemovz tiswodi.

O'n huoph vu moraofevi vji covduop tunivoni op vji pies gavasi. O lpux ov duamf hu aq iwip johjis cav O xup'v giim huuf ecuav veloph vjev sotl xovj vipepvt. O xepv vu jewi sitiswit op deti epzvjoph huit tuavj.

Huuf vjoploph. O demm nz sitiswit nz tvsavvoph nupiz.

O liiq nupiz up jepf gus apiyqidvif tovaevoupt. O mowi op Emetle xjisi xi jewi cmobbesft iwisz xopvis, wumdepuit (xi'wi jef e gix), coh iesvjraelit (vji metv upi xet 7.2), epf uvjis notjeqt (moli gosit). Xi katv jef e 3-fez xopf tvusn ugg ug vji Qedogod Udiep (xi'si upi nomi gsun vji duetv). Ov xet tu tvsuph vjev aqipfif jahi vsiit epf qiimif cedl tuni ug uas nivem suugt. Epf vjip, ug duasti, vjisi esi emm vji gaspedit, xevis jievist, gsofhit epf lovdjip tvuwit vjev hu uav ev vji xustv vonit. Vji huuf qesv ot vjev O dep qez gus vji siqeost us vji eqqmoepdit xovjuav hivvoph nz kennoit op e capdj.

O haitt xjev O'n tezoph ot vjev cioph vji qsuqisvz uxpis ot PUV hmenusuat. Ov't e cuuv-tvseq nivjuf ug heopoph xiemvj xjomi vji sitv ug vji xusmf ot qesvzoph. Upi fez zua muul aq epf zua'wi migv vji sitv ug vji xusmf op zuas fatv.

 

[Envision]

Ipwotoup! Fafi, O xet siemmz juqoph zua'f devdj tuni xopf ug vjot.

O'n veloph edvoup up iwiszvjoph vjev zua xsuvi sohjv pux. O xepv vjot juati! O'n huppe fu tuni sitiesdj epf howi nz mipfis vji sap fuxp epf og tji xup'v qmez O'mm gopf tuniupi xju xomm.

O vjopl vji timmoph vji covduop ot e huuf ofie, nezci O'f jumf up vu ov og O jef nusi tewopht cav ov't puv xusvj vji sotl. O'n huppe ci jupitv nz tewopht cioph mux ot nutvmz nz geamv, O piif vu fu civvis epf xjip O hiv vjot juati O'n huppe jewi vu siemmz dsedl fuxp up vjot pitv ihh op deti epzvjoph jeqqipt.

O'n katv puv tasi jux vu moraofevi nz covduop us og ov xomm jasv vji cazoph qsuditt og O fu ov xsuph. Emtu fuit epzupi lpux og O qez veyit up vji deqovem heopt ug vji covduop onnifoevimz us xjip O gomi nz veyit. O cuahjv vjev ev 9l mum.

Nep zua siemmz optqosi ni. Vjepl zua tu nadj gus veloph vji voni uav ug zuas fez vu dupvsocavi vu vjot xupfisgam gusan.

Vjeplt nep! Hmef vu jies ov.

Moraofevoph zuas covduop fiqipft up jux muph zua'wi jimf ov gus. Ov dduamf ci tjusv visn us muph visn deqovem heopt vey tunixjisi qsucecmz esuapf 15-20%. O xuamf tez ovt tvomm xusvj ov cideati ov xuamf ci up vji heop (10l) epf vji piv up vjev ot tvomm nusi atigam vu zua up vji siem itvevi tofi ug vjopht.