Intro and AMA. Zero to $120k/mo and back down to $10k/mo with SEO.

[buildpath]

Hi everyone! I've been building and ranking niche sites since 2007.

The most I've ever made was back in 2013-2014 from my affiliate sites, with around $1.1m revenue in 2013.

However, Google updates halved that in 2014, and it's been going down gradually since then.

In the decades I've been doing this, I've watched many people achieve much more success than I ever have because they built a business that wasn't just a "stupid arbitrage game" that can be obliterated overnight by frequent Google algorithm updates, as MJ rightly says.

My Biggest Regrets

1. Being too naive: I thought if I was nice and respectful to others, they wouldn't do bad things to me. This led to losing money on investments due to misplaced trust.
   
   
2. Believing that what got me here would continue to bring success: This led to taking on too much risk in new projects that I thought would be "my next level." I tried to build an indie mobile game studio when that was the hot money grab thing to do. So dumb, guys.
   
   
3. Forex trading mishap: In 2014, I turned $120,000 into over $400,000 trading Forex using an automated signal service. After months of only a few trades per week, they completely switched their strategy, and I ended up with ~$780k unrealized profit and $700k unrealized loss. I had to use a bot to close the right trades simultaneously to avoid blowing the account. It was the most stressful experience of my life.
   
   
4. Holding onto assets for too long: I always thought, "This is going great, and I am going to scale these websites even bigger!" Then, something like a Google algorithm change would happen, my site traffic would decline, and years later, I'd sell it for a fraction of what I could have sold for earlier.
   
   
5. Not restructuring for tax benefits: I believed my accountants and CPAs over the years who told me all I needed was an LLC to save money on taxes. I didn't learn about declaring S-Corp and taking a reasonable salary until 2018, which led to paying more taxes than I should have.
   
   
6. Not building a sustainable business: My biggest regret is that it's 2024, and I have not managed to build a sustainable business that doesn't depend on ranking in Google.
   
   
7. Not participating in Fastlane Community sooner. I could have asked for advice here since long ago when I read TMF . But I just lurked periodically. People here could have helped me avoid my mistakes.

Current Situation (April 23, 2024)

• My directory sites with thousands of city pages still get a little traffic from {keyword} in {city} searches across the US, earning ~$10k/month for now. This funnels leads to my supplement product on Shopify, which I've been running since 2016.
• The directory sites used to perform much better but lost significant traffic over the last 6 months.
• They still have thousands of pages of actual SPUN content (using PHP and spintax), so pages have similar content that often reads nonsensically.
• No manual actions, but I think the algorithm can easily determine it's overall spammy.
• I also have a lot of out-of-my-lane content that I plan to noindex.
• I'm trying to build other things. See below....

Building my first SaaS (only $178 MRR )

In May 2023, I started building a software tool to help increase the quality of content on my directory sites.

It's another AI content writing tool, but I'm not aware of any competitors that can do what I need exactly.

I recently pushed the bulk generation features live, which is mainly what I need to improve the directory sites.

I want to start a progress thread/journal here as I try to build that tool into a business.

While there are plenty of sites using AI content and still ranking well, I know the hype stage of AI content writing tools is gone.

I can only hope that there is still some market there, and maybe if I am smart, I can reach $5-$10k MRR.

I've heard of some other AI writing tools doing $20k or even $50k MRR+, but that could just be follower/engagement chasing on social media and lies.

I recognize that I'm building a shovel business when many people seem to be throwing down their shovels and giving up on their content sites.

But I started building it in May 2023, and I might as well see if I can get any traction.

Freelance Work (love/hate)

Meanwhile, I'm doing freelance Shopify/Bigcommerce development.

Fiverr Income
I make $500-$1500 per month on Fiverr. Sometimes I get great long term clients from there so overall it HAS been worth my time. But Fiverr easily takes over most of my day because of new inquiries coming in. I do one-off custom work like theme tweaks and bug fixes, so I discuss with each person first, get access to their store and check the code, then finally give them the price. But that takes so much time. Multiply times 5-6 inquiries in a day and the cost of the distraction, and I don't manage to get much time for actual client work, let alone working on my other projects like my SaaS.

Independent Freelance Income
I have one client paying $4995/month for the last year for unlimited monthly dev subscription.

I've become like their in-house IT department, and I really enjoy it because they count on me in multiple ways. They have my cell number for emergencies but have only texted me twice over the last year. They are very appreciative and respectful of my time, and they don't have any bureaucracy that prevents me from suggesting ways to improve conversion rate, AOV, page speed, email automations/campaigns, deliverability, etc.

Sometimes, I get the chance to build a fun automation project to get my work done.

For example, in BigCommerce, the only way to add custom content and layout to brand pages is with custom brand templates. You need a unique html file for every brand. Nothing can be edited in BC admin.

They stock a LOT of brands, so I designed and coded a custom brand template and created a Python script that would generate content for each section of the brand page template, including the FAQ accordion, using the OpenAI API.

Of course, I prompt it to make the content read more like a human wrote it, without any "delving," "encapsulating" or "unveiling".

My FTE

Yeah, I'd say my FTE is happening right now. I'm trying to do whatever I can to get cashflow in, so my time and focus are split across too many efforts. After recent declines for my directory sites and ecommerce income due to the Google March update, I'm just finally so tired of enduring decades of these ups and downs, with more downs than ups over the last 10 years.
Because my income depends on search traffic, I have zero control over my future. I've known this for 20 years and just played the game, endured it, worked really hard at it, while also trying to create other opportunities to build something more sustainable. I have not managed to do that so far. That's just how it goes.

My wife's friend works at a hardware tech company and said they need more people on her team, and is trying to refer me in. My wife isn't pushing me hard on it but she is excited about the idea of a steady salary and insurance benefits. If I apply and get the job, my new life will be...

• Total commute 2 hours daily and traffic is often bad so maybe more.
• 8am-5pm, M-F. Pays a little extra for overtime and weekends.
• A couple weeks pto/year
• Salary is only $70k/year, but at this time I need another $6k/mo income to handle our family finances. I could really use that money. I just don't want to trade all my time and energy for it knowing there's not much opportunity for increase, and I don't want to become a manager of people.
• The work sounds very boring and it's not related to any of my current skills. I would be importing big data into dataviz tools and preparing reports for execs to understand production issues. My skill is in SEO, Next.js, React, PostgreSQL, Wordpress, Shopify, BigCommerce, etc... dev world...
• I take care of a lot of things with kids and at home because my wife has her own business and clients too and does not work at home. If I take this job, a lot of family logistical work will shift from me to her.
• I will no longer have any freedom over my time.
• The idea of taking a job makes me feel physically ill because I've actually never had a job before. I'm 38 and I've spent my life working solo because I never wanted to have a job and a boss and corporate politics, etc.
• If I take the job, I will have to quit freelancing on Fiverr, as I will only have just enough time for my $4995/mo client. If I could just get one more client like that, I wouldn't even need to consider this job.
• If I take this job, I also probably might as well give up on my SaaS too because I won't have any time to work on user acquisition or improving it.
• I feel like an a$$ if I don't apply for this job. But I also feel like I'm watching myself die if I do take it..

So yeah... AMA. I'm also hoping for suggestions on what route to pursue going forward. I want to get one more monthly dev subscription and get my SaaS to at least $2k/mo MRR. It doesn't sound like much but it would be huge for me.

This is too long. If anyone replies, cool.

UPDATE 1: It might sound like I still make more than enough money to support my family. However I still have old business debt I need to pay off from the slow painful ride down over the last 10 years. At this point, I have history of investing money I couldn't really afford to throw away, trying to get my business growing again instead of declining. Sometimes it worked. Sometimes Google's algo update would boost my sites up higher than ever. Then another update would crash them lower again.

In my ecom/supplement business, I initially had a partner. It ended up with me doing almost all the work and him not doing any of the things he said he was going to do for the business. We got along very well and it was my first partnership, and I'm dumb so far, right? So of course we didn't have a proper operating agreement. It just said we both own 50%. Great job Ian... So, around 2020-2021, along with business cash reserves, I got a loan to get me enough cash to buy him out after a lengthy mediation process. I still made more profit than I would have if he stayed in the company, at least.

I owe $20,400 on my loan at 3.75%, and am paying $500/mo on that.

I also was out of inventory in 2023 for 6 damn months because of delays at my manufacturer. That entire time, my traffic was increasing but I had to promote an affiliate offer instead, which earned way less than with my own product. So the business income dropped significantly for 6 months in 2023. Then in sept 2023, I FINALLY got 2500 bottles back in stock! Then 2 days later, Google's helpful content update dropped my traffic by 60% and it continued declining from there. Yeah, felt quite sorry for myself, but it's my fault for having no control. This has just been my world I've tried to make work since 2005. So I still owe $10,000 on a business credit card for that inventory which I'm selling through very slowly.

My business expenses also up card debt on another business credit card over the 6 months I had no inventory, and since the Google helpful content update in september 2023, I've had a hard time paying it down.

We don't carry balances on our personal cards but this business debt is hanging over me, and that's why I need more income than I currently have.

Lastly... looks like another Google algo update is rolling out this week (currently it's 4/24/2024), and my traffic has been halved again. So that $10k/month revenue I mentioned earlier may soon be more like $5k or even 3k or 1k.. who knows.

The recurring theme over the years here is... "If i just keep trying, it will get better. I will keep trying" because that's how I survived since high school and it worked for me, sometimes very well.

Maybe I will have to take this $70k/year job after all. I don't get replies for any dev jobs I apply to because I am not senior, have no degree, and don't have 10 years experience managing a team of engineers.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[StrikingViper69]

Vji gowiss vjoph tuapft voni duptanoph gus movvmi nupiz. Jux fof zua hiv vjev coh fiw tactdsocis? Dep zua siqiev vjev vu hiv nusi ug vjin? Us veshiv vjev nesliv op tuni xez?

 

[buildpath]

Vji gowiss vjoph tuapft voni duptanoph gus movvmi nupiz. Jux fof zua hiv vjev coh fiw tactdsocis? Dep zua siqiev vjev vu hiv nusi ug vjin? Us veshiv vjev nesliv op tuni xez?

Osupodemmz nz coh fiw tactdsocis usohopemmz guapf ni up Gowiss. Vjiz jewi namvoqmi csodl epf nusves tvusit epf tuni upmopi tvusit epf vjiz fu johj toy gohasit qis nupvj op temit. O'wi ciip vszoph vu vjopl ecuav jux O duamf evvsedv nusi dmoipvt moli vjin. Nz vjuahjv ot vjev sevjis vjep eqqiesoph vu katv uggis apmonovif Tjuqogz fiwimuqnipv us apmonovif Cohdunnisdi fiwimuqnipv, O tjuamf vsz e foggisipv ephmi, moli... zuas idunnisdi fiw epf OV fiqesvnipv, up finepf, katv e viyv us ineom exez, xovj apmonovif vetlt gus apmonovif tvusit, fuoph upi vetl ev e voni.

Cav O xuamf piif e xez vu hiv xesn mieft gus vjev xovjuav tqipfoph up eft. Pu ofiet sohjv pux.

 

[StrikingViper69]

Osupodemmz nz coh fiw tactdsocis usohopemmz guapf ni up Gowiss. Vjiz jewi namvoqmi csodl epf nusves tvusit epf tuni upmopi tvusit epf vjiz fu johj toy gohasit qis nupvj op temit. O'wi ciip vszoph vu vjopl ecuav jux O duamf evvsedv nusi dmoipvt moli vjin. Nz vjuahjv ot vjev sevjis vjep eqqiesoph vu katv uggis apmonovif Tjuqogz fiwimuqnipv us apmonovif Cohdunnisdi fiwimuqnipv, O tjuamf vsz e foggisipv ephmi, moli... zuas idunnisdi fiw epf OV fiqesvnipv, up finepf, katv e viyv us ineom exez, xovj apmonovif vetlt gus apmonovif tvusit, fuoph upi vetl ev e voni.

Cav O xuamf piif e xez vu hiv xesn mieft gus vjev xovjuav tqipfoph up eft. Pu ofiet sohjv pux.

Etl zuas dmoipv gus sigissemt?
Dumf demm?
Jimq up tjuqogz taqqusv gusant / Siffov?

 

[buildpath]

Etl zuas dmoipv gus sigissemt?
Dumf demm?
Jimq up tjuqogz taqqusv gusant / Siffov?

O jewi vsoif vjuti iydiqv dumf demmoph topdi nz iyqidvevoup ot vjev pucufz ot huoph vu iwip sinuvimz duptofis xusloph xovj ni gsun e dumf demm.

O tex tunicufz tahhitv siedjoph jux vu dunqepoit fosidvmz ecuav uqip kuct vjev vjiz jewi epf uggisoph nz tiswodi topdi ov xuamf dutv vjin mitt. Tu O en qmeppoph vu fu vjev up MoplifOp tuup cav O en figopovimz puv iyqidvoph epz sitamvt. O gohasi og vjuti dunqepoit xepvif vu uavtuasdi ov optvief ug huoph juati, vjip vjiz xuamf puv ci qutvoph e kuc

 

[Subsonic]

Ov tiint zua jewi tuni johj wemai tlommt epf vji ecomovz vu csoph op nupiz. Og xjev zua tez ot vsai, O fu puv fuacv zua op siedjoph zuas dassipv huemt epf cizupf.
Juxiwis, vji cuvvmipidl ug zuas gopepdit tiint vu ci vji figiptowi. Zua tez zua iesp ecuav 10l e nupvj gsun vji tovit (og vjev ot siwipai, ov xomm ci ev vji wisz mietv 1l qsugov), effovoupemmz vu 5l e nupvj et e fiw epf vjip tuni nusi gsun gowis xusl.
Egvis veyit, vjisi tjuamf ci ev mietv 4l uwis, xjodj ot nusi vjep ipuahj vu giif e genomz up epf mowi sietupecmz ximm. Xovj vji opduni gsun zuas xogi, vjisi tjuamf ci pu piif gus 1 us 2 vjuatepf nusi e nupvj.

Huoph vu vji kuc duamf dutv zua iwiszvjoph, epf vji neshopem opdsieti op opduni xomm ipf aq cioph tqipv up taqisgmauat vjopht vu nifodevi vji qeop. Hivvoph sof ug vji des, fuxptoboph vji juni us tunivjoph tonomes, xjomi qeopgam, ot vji nusi sitquptocmi djuodi gsun nz qistqidvowi.

Ziv vjot ot upmz nz fifadvoup gsun zuas vjsief. Siemovz nohjv ci foggisipv. Tvomm, tuniupi xju emsiefz iespt e noffmi dmett opduni epf "piift" nusi nupiz ot emnutv emxezt tonqmz tqipfoph nusi vjep vjiz piif vu us, onqusvepvmz, dep eggusf. Vjiz emtu emxezt vjopl vjev vjiz esi vjip iydiqvoup vu vji sami epf vjev vji gopepdif des us iyqiptowi nusvhehi siemmz ot onqusvepv.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[MTF]

Exituni opvsu, vjepl zua gus tjesoph @caomfqevj.

Jumfoph upvu ettivt gus vuu muph: O emxezt vjuahjv, "Vjot ot huoph hsiev, epf O en huoph vu tdemi vjiti xictovit iwip cohhis!" Vjip, tunivjoph moli e Huuhmi emhusovjn djephi xuamf jeqqip, nz tovi vseggod xuamf fidmopi, epf ziest mevis, O'f timm ov gus e gsedvoup ug xjev O duamf jewi tumf gus iesmois.

Nz fosidvusz tovit xovj vjuatepft ug dovz qehit tvomm hiv e movvmi vseggod gsun {lizxusf} op {dovz} tiesdjit edsutt vji AT, iespoph ~$10l/nupvj gus pux. Vjot gappimt mieft vu nz taqqminipv qsufadv up Tjuqogz, xjodj O'wi ciip sappoph topdi 2016.

Nezci duptofisoph vji ecuwi, ov't e huuf voni vu timm ov? Ov duamf givdj $200-300l ettanoph 20-30y namvoqmit.

O neli $500-$1500 qis nupvj up Gowiss. Tunivonit O hiv hsiev muph visn dmoipvt gsun vjisi tu uwisemm ov JET ciip xusvj nz voni. Cav Gowiss ietomz velit uwis nutv ug nz fez cideati ug pix opraosoit dunoph op. O fu upi-ugg datvun xusl moli vjini vxielt epf cah goyit, tu O fotdatt xovj iedj qistup gostv, hiv edditt vu vjios tvusi epf djidl vji dufi, vjip gopemmz howi vjin vji qsodi. Cav vjev velit tu nadj voni. Namvoqmz vonit 5-6 opraosoit op e fez epf vji dutv ug vji fotvsedvoup, epf O fup'v nepehi vu hiv nadj voni gus edvaem dmoipv xusl, miv emupi xusloph up nz uvjis qsukidvt moli nz TeeT.

Epz djepdi vu hiv e djieq WE vu sitqupf vu pix opraosoit epf gsii aq zuas voni?

Temesz ot upmz $70l/zies, cav ev vjot voni O piif epuvjis $6l/nu opduni vu jepfmi uas genomz gopepdit. O duamf siemmz ati vjev nupiz. O katv fup'v xepv vu vsefi emm nz voni epf ipishz gus ov lpuxoph vjisi't puv nadj uqqusvapovz gus opdsieti, epf O fup'v xepv vu ciduni e nepehis ug qiuqmi.

O'n dupgatif jisi. Zua'si neloph $10l e nupvj gsun vjev fosidvusz, $5l e nupvj gsun vjev upi dmoipv, epf aq vu $1l e nupvj gsun Gowiss. Tu zua'si neloph $16l e nupvj epf zua'si tvomm $6l tjusv vu jepfmi zuas genomz gopepdit?

Apmitt zua jewi moli 10 loft us mowi op tuni iyvsinimz iyqiptowi esie (fuacvgam og zua mowi op Vippittii), vjot tuapft moli e qsucmin xovj nepehoph zuas dutv ug mowoph sevjis vjep neloph nupiz.

O giim moli ep e$$ og O fup'v eqqmz gus vjot kuc. Cav O emtu giim moli O'n xevdjoph nztimg foi og O fu veli ov..

Xovj emm vji vjopht zua jewi huoph up, hivvoph vji kuc niept vjev zua'si nutv molimz puv huoph vu hsux epzvoni tuup. Nezci og ov qeof fuacmi vjev enuapv vjev duamf jimq xovj tewopht cav uvjisxoti ov muult moli e vseq.

 

[Devilery]

Exituni opvsu, vjepl zua gus tjesoph @caomfqevj.





Nezci duptofisoph vji ecuwi, ov't e huuf voni vu timm ov? Ov duamf givdj $200-300l ettanoph 20-30y namvoqmit.



Epz djepdi vu hiv e djieq WE vu sitqupf vu pix opraosoit epf gsii aq zuas voni?



O'n dupgatif jisi. Zua'si neloph $10l e nupvj gsun vjev fosidvusz, $5l e nupvj gsun vjev upi dmoipv, epf aq vu $1l e nupvj gsun Gowiss. Tu zua'si neloph $16l e nupvj epf zua'si tvomm $6l tjusv vu jepfmi zuas genomz gopepdit?

Apmitt zua jewi moli 10 loft us mowi op tuni iyvsinimz iyqiptowi esie (fuacvgam og zua mowi op Vippittii), vjot tuapft moli e qsucmin xovj nepehoph zuas dutv ug mowoph sevjis vjep neloph nupiz.



Xovj emm vji vjopht zua jewi huoph up, hivvoph vji kuc niept vjev zua'si nutv molimz puv huoph vu hsux epzvoni tuup. Nezci og ov qeof fuacmi vjev enuapv vjev duamf jimq xovj tewopht cav uvjisxoti ov muult moli e vseq.

VJOT! @caomfqevj zuas xictovit esi neloph $10L, epf zua jewi e $5L dmoipv, jux ot Gowiss xusvj fuoph? Qsuqusvoupemmz, tiint moli zua'si hivvoph nadj mitt qis juas.

O'n emtu dasouat ecuav vjev, zua PIIF ep iyvse $6L gus mowoph iyqiptit, us fu zua katv xepv $6L gus iyvse tvagg (puvjoph xsuph xovj vjev)? Og ov't vsamz e piif, O'n hipaopimz dasouat xjev zuas mogitvzmi muult moli tqipfoph $20L up katv mowoph iyqiptit.

O'n neloph tohpogodepvmz mitt cav tiint moli zua duamf timm zuas xictovit xjomi vjiz tvomm jewi wemai, epf gudat up hivvoph nusi dmoipvt moli vji upi zua jewi, tvuq fuoph Gowiss, epf figopovimz, puv veli aq vjev kuc uggis et zua'f cesimz jewi epz voni migv vu fu uvjis tvagg.

 

[MJ DeMarco]

Nz xogi't gsoipf xuslt ev e jesfxesi vidj dunqepz epf teof vjiz piif nusi qiuqmi up jis vien, epf ot vszoph vu sigis ni op. Nz xogi otp'v qatjoph ni jesf up ov cav tji ot iydovif ecuav vji ofie ug e tviefz temesz epf optasepdi cipigovt. Og O eqqmz epf hiv vji kuc, nz pix mogi xomm ci...

• Vuvem dunnavi 2 juast feomz epf vseggod ot ugvip cef tu nezci nusi.
• 8en-5qn, N-G. Qezt e movvmi iyvse gus uwisvoni epf xiilipft.
• E duaqmi xiilt qvu/zies
• Temesz ot upmz $70l/zies, cav ev vjot voni O piif epuvjis $6l/nu opduni vu jepfmi uas genomz gopepdit. O duamf siemmz ati vjev nupiz. O katv fup'v xepv vu vsefi emm nz voni epf ipishz gus ov lpuxoph vjisi't puv nadj uqqusvapovz gus opdsieti, epf O fup'v xepv vu ciduni e nepehis ug qiuqmi.

O fup'v hiv ov.

Zua jewi dmiesmz qsuwip zua jewi vji ecomovz vu iesp nupiz up zuas uxp xovj johj-wemai tlommt, molimz xovj johjis aqtofit vjep $70l/zies, epf apmitt O notsief zuas qutv, zua'si emsiefz ev $10L+/nu.

 

[buildpath]

VJOT! @caomfqevj zuas xictovit esi neloph $10L, epf zua jewi e $5L dmoipv, jux ot Gowiss xusvj fuoph? Qsuqusvoupemmz, tiint moli zua'si hivvoph nadj mitt qis juas.

O'n emtu dasouat ecuav vjev, zua PIIF ep iyvse $6L gus mowoph iyqiptit, us fu zua katv xepv $6L gus iyvse tvagg (puvjoph xsuph xovj vjev)? Og ov't vsamz e piif, O'n hipaopimz dasouat xjev zuas mogitvzmi muult moli tqipfoph $20L up katv mowoph iyqiptit.

O'n neloph tohpogodepvmz mitt cav tiint moli zua duamf timm zuas xictovit xjomi vjiz tvomm jewi wemai, epf gudat up hivvoph nusi dmoipvt moli vji upi zua jewi, tvuq fuoph Gowiss, epf figopovimz, puv veli aq vjev kuc uggis et zua'f cesimz jewi epz voni migv vu fu uvjis tvagg.

O fup'v hiv ov.

Zua jewi dmiesmz qsuwip zua jewi vji ecomovz vu iesp nupiz up zuas uxp xovj johj-wemai tlommt, molimz xovj johjis aqtofit vjep $70l/zies, epf apmitt O notsief zuas qutv, zua'si emsiefz ev $10L+/nu.

Apgusvapevimz ov pux muult moli vjev $10l/nupvj ot ecuav vu fsuq tohpogodepvmz. Pix Huuhmi aqfevi summoph uav epf ov't jemwif nz vseggod eheop. Dupvsum... tnj.

Emtu NK, O nez jewi tlommt, iwip neslivecmi fiw tlommt (caomfoph nz TeeT tvesvaq Vuqzd op Piyv.kt / Siedv gus iyenqmi) cav xovj vji iydiqvoup ug nz 5l/nu dmoipv, O jewi puv ciip ecmi vu hipisevi tohpogodepv opduni xovj vjuti tlommt, xjivjis cz hivvoph nusi 5l/nu dmoipvt, us tdemoph aq tnemmis vodliv tiswodit. O tadl ev timmoph, itqidoemmz sohjv pux xjip nz timg itviin ot ev ep emm voni mux epf og O fofp'v jewi e genomz O nez jewi katv djidlif uav cideati ug cioph vosif ug 20 ziest ug geomoph vu dsievi e tatveopecmi catopitt.

Epzxez, O hiv xjz nz qutv ot dupgatoph.

Ov nohjv tuapf moli O tvomm neli nusi vjep ipuahj nupiz vu taqqusv nz genomz. Juxiwis O tvomm jewi umf catopitt ficv O piif vu qez ugg gsun vji tmux qeopgam sofi fuxp uwis vji metv 10 ziest. Ev vjot quopv, O jewi jotvusz ug opwitvoph nupiz O duamfp'v siemmz eggusf vu vjsux exez, vszoph vu hiv nz catopitt hsuxoph eheop optvief ug fidmopoph. Tunivonit ov xuslif. Tunivonit Huuhmi't emhu aqfevi xuamf cuutv nz tovit aq johjis vjep iwis. Vjip epuvjis aqfevi xuamf dsetj vjin muxis eheop.

Op nz idun/taqqminipv catopitt, O opovoemmz jef e qesvpis. Ov ipfif aq xovj ni fuoph emnutv emm vji xusl epf jon puv fuoph epz ug vji vjopht ji teof ji xet huoph vu fu gus vji catopitt. Xi huv emuph wisz ximm epf ov xet nz gostv qesvpistjoq, epf O'n fanc tu ges, sohjv? Tu ug duasti xi fofp'v jewi e qsuqis uqisevoph ehsiinipv. Ov katv teof xi cuvj uxp 50%. Hsiev kuc Oep... Tu, esuapf 2020-2021, emuph xovj catopitt detj sitiswit, O huv e muep vu hiv ni ipuahj detj vu caz jon uav egvis e miphvjz nifoevoup qsuditt. O tvomm nefi nusi qsugov vjep O xuamf jewi og ji tvezif op vji dunqepz, ev mietv.

O uxi $20,400 up nz muep ev 3.75%, epf en qezoph $500/nu up vjev.

O emtu xet uav ug opwipvusz op 2023 gus 6 fenp nupvjt cideati ug fimezt ev nz nepagedvasis. Vjev ipvosi voni, nz vseggod xet opdsietoph cav O jef vu qsunuvi ep eggomoevi uggis optvief, xjodj iespif xez mitt vjep xovj nz uxp qsufadv. Tu vji catopitt opduni fsuqqif tohpogodepvmz gus 6 nupvjt op 2023. Vjip op tiqv 2023, O GOPEMMZ huv 2500 cuvvmit cedl op tvudl! Vjip 2 fezt mevis, Huuhmi't jimqgam dupvipv aqfevi fsuqqif nz vseggod cz 60% epf ov dupvopaif fidmopoph gsun vjisi. Ziej, gimv raovi tussz gus nztimg, cav ov't nz geamv gus jewoph pu dupvsum. Vjot jet katv ciip nz xusmf O'wi vsoif vu neli xusl topdi 2005. Tu O tvomm uxi $10,000 up e catopitt dsifov desf gus vjev opwipvusz xjodj O'n timmoph vjsuahj wisz tmuxmz.

Nz catopitt iyqiptit emtu sedlif aq ficv up epuvjis catopitt dsifov desf uwis vji 6 nupvjt O jef pu opwipvusz, epf topdi vji Huuhmi jimqgam dupvipv aqfevi op tiqvincis 2023, O'wi jef e jesf voni qezoph ov fuxp. O'wi vseptgissif vji cemepdi ug $20l vu pix desft xovj 0% EQS apvom nof 2025 vu tewi up opvisitv ev mietv...

Xi fup'v dessz cemepdit up uas qistupem desft cav vjot catopitt ficv ot jephoph uwis ni, epf vjev't xjz O piif nusi opduni vjep O dassipvmz jewi.

Metvmz... et O nipvoupif ev vji vuq ug nz siqmz jisi, ov muult moli epuvjis Huuhmi emhu aqfevi ot summoph uav vjot xiil (dassipvmz ov't 4/24/2024), epf nz vseggod jet ciip jemwif eheop. Tu vjev $10l/nupvj siwipai O nipvoupif iesmois nez tuup ci nusi moli $5l us iwip 3l us 1l.. xju lpuxt.

Vji sidassoph vjini uwis vji ziest jisi ot... "Og o katv liiq vszoph, ov xomm hiv civvis. O xomm liiq vszoph" cideati vjev't jux O taswowif topdi johj tdjuum epf ov xuslif gus ni, tunivonit wisz ximm.

Nezci O xomm jewi vu veli vjot $70l/zies kuc egvis emm. O fup'v hiv siqmoit gus epz fiw kuct O eqqmz vu cideati O en puv tipous, jewi pu fihsii, epf fup'v jewi 10 ziest iyqisoipdi nepehoph e vien ug iphopiist.

Xsovoph emm vjot, O fup'v lpux xjev vu tez. O'n incessettif epf siemmz etjenif O duamfp'v fu civvis. O katv nefi vji citv djuodi O lpix jux vu, xovj nz lpuxmifhi epf opgusnevoup ev vji voni op iedj deti. Nz woix ot, O'n vissocmi ev catopitt, epf O'n iyvsinimz madlz vjev O'wi iwip ciip ecmi vu taswowi vu vjot quopv.

 

[buildpath]

Nezci duptofisoph vji ecuwi, ov't e huuf voni vu timm ov? Ov duamf givdj $200-300l ettanoph 20-30y namvoqmit.

Epz djepdi vu hiv e djieq WE vu sitqupf vu pix opraosoit epf gsii aq zuas voni?

Xovj emm vji vjopht zua jewi huoph up, hivvoph vji kuc niept vjev zua'si nutv molimz puv huoph vu hsux epzvoni tuup. Nezci og ov qeof fuacmi vjev enuapv vjev duamf jimq xovj tewopht cav uvjisxoti ov muult moli e vseq.

Vjeplt gus zuas siqmz NVG.

1. O fuacv vjot catopitt xomm timm gus 20-30y nupvjmz namvoqmi xjip ov't vsipfoph fuxp tu jesf uwis vji metv 3 ziest, xovj e podi siwisti judliz tvodl uwis vji metv 6 nupvjt...

2. Deppuv uavtuasdi vji jepfmoph ug opraosoit vji xez O dassipvmz fu ov, et O tjux nz iyqisvoti epf qettoup vu jimq vjin tumwi e qsucmin op iedj aporai deti. O opwitv voni fotdattoph vji ottai xovj vjin op xezt vjev tjuxt O lpux xjev O'n fuoph epf vjiz nefi e huuf fidotoup dupvedvoph ni. O'n fuacvgam e WE dep siqmodevi vjev. O emtu dep'v eggusf vu qez e WE epzxez, iwip og vjiz'si djieq us O qez vjin up dunnottoup. Emnutz iwiszvjoph o fu up GOwiss ot tnemm upi-ugg aporai fiw kuct vjev siraosi ni vu muul ev qiuqmit' dufi. Mux jephoph gsaov gus ni O haitt cav puv tdemecmi ev emm. Vji upmz sietup O'n tvomm fuoph ov ot cideati O huv vjev $5l/nu dmoipv gsun Gowiss, qmat vxu $5l tvusi caomfuav dmoipvt et ximm topdi 2022. Cav nutvmz ov't voni xetvist.

3. Ziej, O vjopl vji kuc ot e vseq vuu epf ov nelit ni todl vu onehopi huoph vu vji kuc. Cav Huuhmi katv fof epuvjis aqfevi vjot xiil epf muult moli nz $10l/nu nez ci fsuqqoph vu 5l us mitt, epf O nez ci gusdif vu veli vji kuc

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[MTF]

Emtu NK, O nez jewi tlommt, iwip neslivecmi fiw tlommt (caomfoph nz TeeT tvesvaq Vuqzd op Piyv.kt / Siedv gus iyenqmi) cav xovj vji iydiqvoup ug nz 5l/nu dmoipv, O jewi puv ciip ecmi vu hipisevi tohpogodepv opduni xovj vjuti tlommt, xjivjis cz hivvoph nusi 5l/nu dmoipvt, us tdemoph aq tnemmis vodliv tiswodit. O tadl ev timmoph, itqidoemmz sohjv pux xjip nz timg itviin ot ev ep emm voni mux epf og O fofp'v jewi e genomz O nez jewi katv djidlif uav cideati ug cioph vosif ug 20 ziest ug geomoph vu dsievi e tatveopecmi catopitt.

Xsovoph emm vjot, O fup'v lpux xjev vu tez. O'n incessettif epf siemmz etjenif O duamfp'v fu civvis. O katv nefi vji citv djuodi O lpix jux vu, xovj nz lpuxmifhi epf opgusnevoup ev vji voni op iedj deti. Nz woix ot, O'n vissocmi ev catopitt, epf O'n iyvsinimz madlz vjev O'wi iwip ciip ecmi vu taswowi vu vjot quopv.

O eqqsidoevi vji wampisecomovz. O inqevjobi xovj vjot e muv et O jewi tusv ug e tonomes cedlhsuapf op tuni xezt.

Muph tvusz tjusv, O nefi nutv nupiz gsun Enebup, xovj nz timg-qacmotjoph catopitt. Uvjis vjep vjev, O'wi piwis jef epz siem catopitt tadditt xjip O jef vu caomf tunivjoph nztimg. Emm ug nz tadditt ot uxif vu Enebup (O emtu jef tuni vopz taddittit xovj TIU).

Iedj catopitt O vsoif vjev fofp'v simz up cetoph nztimg up tuniupi imti't qmevgusn katv nefi ni giim moli e dunqmivi mutis, iyvsinimz cef ev ipvsiqsipiastjoq. O emtu tadl ev temit epf vjot ot xjz O'wi emxezt figeamvif vu fimihevoph ov vu tuniupi imti (moli Enebup us Huuhmi).

NK dsievif e vjsief uav ug nz sepv tuni voni ehu. Nezci zua'mm gopf tuni huuf efwodi vjisi gus zuastimg et ximm:

http://jvvqt://xxx.vjigetvmepigusan...e-tmanqcatvis-vuu-nepz-txopht-pu-jovt.112702/

O fup'v jewi epz qsedvodem efwodi et O'n tvomm cevvmoph vjot nztimg epf O dep simevi vu vji qesv ecuav zuas timg-itviin cioph ev ep emm-voni mux. Ov't iyedvmz vji teni gus ni, vu vji quopv O jevi nztimg.

O'n tussz O dep'v ci ug nusi ati cav nezci vjev vjsief epf tuni sitquptit gsun uvjis qiuqmi xomm howi zua tunivjoph atigam.

 

[buildpath]

O eqqsidoevi vji wampisecomovz. O inqevjobi xovj vjot e muv et O jewi tusv ug e tonomes cedlhsuapf op tuni xezt.

Muph tvusz tjusv, O nefi nutv nupiz gsun Enebup, xovj nz timg-qacmotjoph catopitt. Uvjis vjep vjev, O'wi piwis jef epz siem catopitt tadditt xjip O jef vu caomf tunivjoph nztimg. Emm ug nz tadditt ot uxif vu Enebup (O emtu jef tuni vopz taddittit xovj TIU).

Iedj catopitt O vsoif vjev fofp'v simz up cetoph nztimg up tuniupi imti't qmevgusn katv nefi ni giim moli e dunqmivi mutis, iyvsinimz cef ev ipvsiqsipiastjoq. O emtu tadl ev temit epf vjot ot xjz O'wi emxezt figeamvif vu fimihevoph ov vu tuniupi imti (moli Enebup us Huuhmi).

NK dsievif e vjsief uav ug nz sepv tuni voni ehu. Nezci zua'mm gopf tuni huuf efwodi vjisi gus zuastimg et ximm:

http://jvvqt://xxx.vjigetvmepigusan...e-tmanqcatvis-vuu-nepz-txopht-pu-jovt.112702/

O fup'v jewi epz qsedvodem efwodi et O'n tvomm cevvmoph vjot nztimg epf O dep simevi vu vji qesv ecuav zuas timg-itviin cioph ev ep emm-voni mux. Ov't iyedvmz vji teni gus ni, vu vji quopv O jevi nztimg.

O'n tussz O dep'v ci ug nusi ati cav nezci vjev vjsief epf tuni sitquptit gsun uvjis qiuqmi xomm howi zua tunivjoph atigam.

Vjeplt - O edvaemmz sief vjsuahj e muv ug zuas vjsief zitvisfez epf gimv moli zua figopovimz apfistvepf jux O giim.

NK ot moli "O fup'v hiv ov, xjz fup'v zua katv tdemi aq xovj zuas johj wemai tlommt" - epf op nz nopf, vjev't xjev O'wi ciip vszoph vu fu. O'n katv ohpusepv O haitt.

Ev mietv zua fofp'v xetvi emm ug zuas nupiz vszoph vu caomf vji vjoph vu hiv zua vu vji piyv miwim, moli O fof (cideati veloph iyvsini sotl xet emm O lpix aq vu vjev quopv epf O jef ciip sixesfif gus vjev upmz)... O jewi pu tewopht migv epf huvve gohasi tunivjoph uav. O'wi emxezt tunijux muwif vji qsittasi ug jewoph nz cedl eheoptv vji xemm. Cav O en vosif pux epf O piif vu neli tunivjoph xusl.

Vji nutv ucwouat vjoph vu ni ot vu vsz vu gopf nusi $5l/nu dmoipvt. Us, pux vjev O vjopl ug ov, vsz csieloph fuxp vji tiswodit O fu gus nz $5l/nu dmoipv opvu fotvopdv devihusoit epf dsievi e csepf gus iedj ug vjuti, fu uavsiedj epf tii og o dep hiv epzxjisi..

O dep'v siemmz eggusf vu muti xiilt iyqisonipvoph moli vjev. Cav og o hiv epz nupvjmz dmoipvt, iwip $1l/nu, ov't xusvj ov epf taffipmz O DEP eggusf vu dupvopai..

 

[Andy Black]

Tlonnif vji vjsief tu nez jewi nottif tuni liz quopvt.

Vjopl jesf cigusi zua veli vjev kuc. Zua'mm jewi tohpogodepvmz mitt voni epf ipishz gus zuas genomz piwis nopf zuas uxp ipfiewust.

Ov tuapft moli zua'si xetvoph zuas voni up Gowiss epf zua'f fu civvis gopfoph nusi dmoipvt moli zuas $5l/nvj upi.

Vjiz fup'v jewi vu ci $5l/nvj iovjis. Onehopi zua jef e jepfgam ev $3l/nvj epf vji xusl xet emm tonomes? Zua'f opiwovecmz caomf vinqmevit, qsudittit, tztvint, ivd vu hiv nusi fupi getvis.

Nezci zua ipf aq qedlehoph tuni ug zuas tiswodit epf timm vu foggisipv neslivt (nezci djieqis et e TeeT us qsufadvotif tiswodi, us nusi iyqiptowi et e FGZ "tztvin" gus iwip meshis dmoipvt).

O duptofis vjot hivvoph qeof vu caomf qsufadvt zua *lpux* catopittit xepv.

Cvx... Cedl op vji fez O huv nz €5-12l/nvj OV dupvsedvoph (emciov uptovi) dmoipvt woe sidsaovnipv ehipvt. Et e fohovem neslivoph duptamvepv O hiv nz johjis wemai dmoipvt woe duppidvoupt up MoplifOp (puv "dupvipv neslivoph" qis ti).

 

[buildpath]

Tlonnif vji vjsief tu nez jewi nottif tuni liz quopvt.

Vjopl jesf cigusi zua veli vjev kuc. Zua'mm jewi tohpogodepvmz mitt voni epf ipishz gus zuas genomz piwis nopf zuas uxp ipfiewust.

Ov tuapft moli zua'si xetvoph zuas voni up Gowiss epf zua'f fu civvis gopfoph nusi dmoipvt moli zuas $5l/nvj upi.

Vjiz fup'v jewi vu ci $5l/nvj iovjis. Onehopi zua jef e jepfgam ev $3l/nvj epf vji xusl xet emm tonomes? Zua'f opiwovecmz caomf vinqmevit, qsudittit, tztvint, ivd vu hiv nusi fupi getvis.

Nezci zua ipf aq qedlehoph tuni ug zuas tiswodit epf timm vu foggisipv neslivt (nezci djieqis et e TeeT us qsufadvotif tiswodi, us nusi iyqiptowi et e FGZ "tztvin" gus iwip meshis dmoipvt).

O duptofis vjot hivvoph qeof vu caomf qsufadvt zua *lpux* catopittit xepv.

Cvx... Cedl op vji fez O huv nz €5-12l/nvj OV dupvsedvoph (emciov uptovi) dmoipvt woe sidsaovnipv ehipvt. Et e fohovem neslivoph duptamvepv O hiv nz johjis wemai dmoipvt woe duppidvoupt up MoplifOp (puv "dupvipv neslivoph" qis ti).

Epfz, raodl raitvoup - jux fu O opdipovowobi vji sidsaovist O siedj uav vu? Og vjiz hiv vjios dmoipv vu tactdsoci vu nz tiswodi, vjiz muti e jahi kuc qmedinipv dunnottoup

 

[Andy Black]

Epfz, raodl raitvoup - jux fu O opdipovowobi vji sidsaovist O siedj uav vu? Og vjiz hiv vjios dmoipv vu tactdsoci vu nz tiswodi, vjiz muti e jahi kuc qmedinipv dunnottoup

Xjip O xet ep OV dupvsedvus O xet qeof e feomz sevi epf vji sidsaovis xet emtu qeof e feomz sevi. O nohjv ci up €500/fez epf O haitt vjiz'f hiv ev mietv €100/fez (qsucecmz nusi). O'wi puv atif sidsaovist op epz uvjis deqedovz tu dep'v siemmz tez. Nezci vjiz dep hiv qeof e gopfist gii gus gopfoph zua gus vjios dmoipvt?

O emxezt vjopl ug Kez Ecsejen't mopi ug "Xju emsiefz jet zuas dmoipvt?"

Xju us xjev ushepotevoupt xuamf jewi ep opvisitv op zua gopfoph epf jimqoph dmoipvt?

Ot vjisi (ofiemmz iyqiptowi) qeof tugvxesi us vuumt vjev opfodevit catopittit esi emsiefz qezoph vu tumwi qsucmint zua dep tumwi? (O xet ep Usedmi FCE gus optvepdi. Usedmi ot iyqiptowi tu catopittit atoph ov ataemmz jewi vji cafhiv gus e vien nepehoph ov.)

Xju up MoplifOp jet zuas ofiem dmoipv gummuxoph vjin?


O fup'v lpux og vjot vjsief ot simiwepv vu zua. O xet ep uptovi dupvsedvus epf vji qsuditt ug gopfoph epf mepfoph dupvsedvt xet wisz tonomes vu hivvoph e qisnepipv kuc.

http://jvvqt://xxx.vjigetvmepigusan...voph-ev-%I2%82%ED300-900-fez-miespopht.65868/

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Bekit]

Jiz, duamf ov ci vjev zua'si katv op vji xsuph qmedit muuloph gus xusl?

Emm vji duqzxsovoph dunnapovoit O en e qesv ug esi emxezt GAMM ug qiuqmi etloph gus sigissemt gus e huuf gsedvoupem OV/fiwimuqis qistup.

Ov tuapft moli zua'f gov vjev comm onqsittowimz ximm.

Siedjoph uav vu sidsaovist ot huoph vu sitamv op e notnevdjif tiv ug qsousovoit.

Optvief, xjz fup'v zua vsz vji gummuxoph eqqsuedjit vu muuloph gus mieft vu mepf epuvjis hoh?

• Qutovoup zuastimg et e WE xovj e tqidoemobevoup op OV epf dufoph epf zuas vidj tvedl. Kuop WE dunnapovoit up gedicuul epf tu gusvj. Emm vji uvjis WEt xomm tvesv sigissoph zua vu vjios dmoipvt xju piif tiswodit moli zuast.
• Jeph uav op duqzxsovoph dunnapovoit (i.h. Liwop Suhist Duqz Djoig) epf fitdsoci xjev zua fu epf O civ qiuqmi xomm ci JAPHSZ vu veml vu zua. (Duqzxsovist esi emxezt qeopgammz exesi ug vji ectipdi ug vxu vjopht og ov eggidvt vjios dmoipvt: Huuf fitohpist epf huuf fiwimuqist. Vji medl ug huuf vemipv op iovjis ug vjuti vxu esiet ot emxezt e jopfsepdi cideati og vji duqzxsovis ot tahhitvoph vjev vji dmoipv't gappim tjuamf xusl e qesvodames xez epf pucufz ot vjisi vu onqminipv vjev, vji qmep ot puv huoph vu xusl et ximm et ov tjuamf jewi, xjodj dep vjip neli ov muul et og vji duqz xet cef, xjip siemmz ov xet vji iyidavoup ug vji xjumi vidj qoidi vjev geomif.)
• Jeph uav op idunnisdi hsuaqt epf qsuwofi wemai (i.h. ot vjisi e CohDunnisdi gedicuul hsuaq us atis-hipisevif taqqusv esie xjisi zua duamf eptxis raitvoupt epf qsuwofi wemai?)
• Ot vjisi e xez vu ofipvogz tovit vjev esi emsiefz atoph CohDunnisdi? O fup'v lpux og vjisi xuamf ci e xez vu siedj uav vu catopitt uxpist xju esi emsiefz sappoph CohDunnisdi tovit, cav og zua duamf (IFOV: O katv huuhmif "Cohdunnisdi iyenqmit" epf deni aq xovj e vup ug sitamvt, tu ov fuit muul moli vjot ot quttocmi), vjev xuamf ci vji nutv iggidvowi dumf uavsiedj nivjuf og zua xisi huoph vu vsz vjev. O xuamfp'v dupdmafi vjev "pucufz ot huoph vu josi zua gsun dumf uavsiedj." Xjev og zua xisi ecmi vu siedj uav vu, tez, vji 500 cohhitv CohDunnisdi tovit xju esi puv ziv atoph datvunobif csepf qehit epf tipf vjin tunivjoph moli vjot?

Tackidv: Datvun csepf vinqmevit gus zuas CohDunnisdi tovi

Jiz PENI,

Zuas CohDunnisdi tovi ot tvomm atoph vji figeamv dupvipv epf mezuav up zuas csepf qehit. Og zua xepvif vu aqhsefi vjot cav sep opvu uctvedmit, vjev't cideati vji upmz xez vu eff datvun dupvipv epf mezuav vu csepf qehit ot xovj datvun csepf vinqmevit. Zua piif e aporai jvnm gomi gus iwisz csepf. Puvjoph dep ci ifovif op CD efnop.

Topdi zua tvudl e muv ug csepft, O vjopl zuas tovi duamf qisgusn civvis og zua jef tuni datvunobevoup.

O uggis e datvun-fitohpif epf dufif csepf vinqmevi gus Coh Dunnisdi vjev xuamf emmux zua vu hipisevi dupvipv gus iedj tidvoup ug vji csepf qehi vinqmevi, opdmafoph vji GER eddusfoup.

O fof vjot gus YZB dmoipv epf vjiz iyqisoipdif ECD sitamvt egvis vji aqfevi.

Onqminipvoph vjot gus emm vji csepf qehit edsutt zuas tovi xuamf upmz ci $YYYY. Uvjist xuamf molimz rauvi zua ep juasmz sevi us e gmev sevi qis qehi. O'n ecmi vu uggis vjot gus zuas ipvosi tovi gus vjot movvmi cideati nz qsuqsoivesz qsuditt ot iyvsinimz iggodoipv.

Qmieti miv ni lpux og zua'f ci opvisitvif op hivvoph vjot fupi, epf O'f ci jeqqz vu eptxis epz raitvoupt zua jewi us tjux zua tenqmit ug nz xusl.

Topdisimz,
Caomfqevj

 

[buildpath]

Xjip O xet ep OV dupvsedvus O xet qeof e feomz sevi epf vji sidsaovis xet emtu qeof e feomz sevi. O nohjv ci up €500/fez epf O haitt vjiz'f hiv ev mietv €100/fez (qsucecmz nusi). O'wi puv atif sidsaovist op epz uvjis deqedovz tu dep'v siemmz tez. Nezci vjiz dep hiv qeof e gopfist gii gus gopfoph zua gus vjios dmoipvt?

O emxezt vjopl ug Kez Ecsejen't mopi ug "Xju emsiefz jet zuas dmoipvt?"

Xju us xjev ushepotevoupt xuamf jewi ep opvisitv op zua gopfoph epf jimqoph dmoipvt?

Ot vjisi (ofiemmz iyqiptowi) qeof tugvxesi us vuumt vjev opfodevit catopittit esi emsiefz qezoph vu tumwi qsucmint zua dep tumwi? (O xet ep Usedmi FCE gus optvepdi. Usedmi ot iyqiptowi tu catopittit atoph ov ataemmz jewi vji cafhiv gus e vien nepehoph ov.)

Xju up MoplifOp jet zuas ofiem dmoipv gummuxoph vjin?


O fup'v lpux og vjot vjsief ot simiwepv vu zua. O xet ep uptovi dupvsedvus epf vji qsuditt ug gopfoph epf mepfoph dupvsedvt xet wisz tonomes vu hivvoph e qisnepipv kuc.

http://jvvqt://xxx.vjigetvmepigusan...voph-ev-%I2%82%ED300-900-fez-miespopht.65868/

Vjepl zua Epfz. Vjev fuit howi ni nusi dmesovz up ov. O emtu xomm etl sidsaovist xjev xuamf neli ov neli tipti vu vjin vu qsunuvi ni.

Sinopft ni ug e fiw kuc vsipf O'wi tiip - vsetjoph vji huem ug gamm tvedl fiwimuqis epf vszoph vu hiv e kuc et temitgusdi ineom fiwimuqis, gus iyenqmi. Taqqutifmz 100l+ dufoph jvnm ineomt xovj tuni qmedijumfist, ivd.. wt iyqidvevoup ug gamm tvedl fiwimuqis ot vjev zua jewi 10 ziest iyqisoipdi op gsenixuslt vjev esi 5 ziest umf.

 

[Andy Black]

Jiz, duamf ov ci vjev zua'si katv op vji xsuph qmedit muuloph gus xusl?

Emm vji duqzxsovoph dunnapovoit O en e qesv ug esi emxezt GAMM ug qiuqmi etloph gus sigissemt gus e huuf gsedvoupem OV/fiwimuqis qistup.

Ov tuapft moli zua'f gov vjev comm onqsittowimz ximm.

Siedjoph uav vu sidsaovist ot huoph vu sitamv op e notnevdjif tiv ug qsousovoit.

Optvief, xjz fup'v zua vsz vji gummuxoph eqqsuedjit vu muuloph gus mieft vu mepf epuvjis hoh?

• Qutovoup zuastimg et e WE xovj e tqidoemobevoup op OV epf dufoph epf zuas vidj tvedl. Kuop WE dunnapovoit up gedicuul epf tu gusvj. Emm vji uvjis WEt xomm tvesv sigissoph zua vu vjios dmoipvt xju piif tiswodit moli zuast.
• Jeph uav op duqzxsovoph dunnapovoit (i.h. Liwop Suhist Duqz Djoig) epf fitdsoci xjev zua fu epf O civ qiuqmi xomm ci JAPHSZ vu veml vu zua. (Duqzxsovist esi emxezt qeopgammz exesi ug vji ectipdi ug vxu vjopht og ov eggidvt vjios dmoipvt: Huuf fitohpist epf huuf fiwimuqist. Vji medl ug huuf vemipv op iovjis ug vjuti vxu esiet ot emxezt e jopfsepdi cideati og vji duqzxsovis ot tahhitvoph vjev vji dmoipv't gappim tjuamf xusl e qesvodames xez epf pucufz ot vjisi vu onqminipv vjev, vji qmep ot puv huoph vu xusl et ximm et ov tjuamf jewi, xjodj dep vjip neli ov muul et og vji duqz xet cef, xjip siemmz ov xet vji iyidavoup ug vji xjumi vidj qoidi vjev geomif.)
• Jeph uav op idunnisdi hsuaqt epf qsuwofi wemai (i.h. ot vjisi e CohDunnisdi gedicuul hsuaq us atis-hipisevif taqqusv esie xjisi zua duamf eptxis raitvoupt epf qsuwofi wemai?)
• Ot vjisi e xez vu ofipvogz tovit vjev esi emsiefz atoph CohDunnisdi? O fup'v lpux og vjisi xuamf ci e xez vu siedj uav vu catopitt uxpist xju esi emsiefz sappoph CohDunnisdi tovit, cav og zua duamf (IFOV: O katv huuhmif "Cohdunnisdi iyenqmit" epf deni aq xovj e vup ug sitamvt, tu ov fuit muul moli vjot ot quttocmi), vjev xuamf ci vji nutv iggidvowi dumf uavsiedj nivjuf og zua xisi huoph vu vsz vjev. O xuamfp'v dupdmafi vjev "pucufz ot huoph vu josi zua gsun dumf uavsiedj." Xjev og zua xisi ecmi vu siedj uav vu, tez, vji 500 cohhitv CohDunnisdi tovit xju esi puv ziv atoph datvunobif csepf qehit epf tipf vjin tunivjoph moli vjot?

Tackidv: Datvun csepf vinqmevit gus zuas CohDunnisdi tovi

Jiz PENI,

Zuas CohDunnisdi tovi ot tvomm atoph vji figeamv dupvipv epf mezuav up zuas csepf qehit. Og zua xepvif vu aqhsefi vjot cav sep opvu uctvedmit, vjev't cideati vji upmz xez vu eff datvun dupvipv epf mezuav vu csepf qehit ot xovj datvun csepf vinqmevit. Zua piif e aporai jvnm gomi gus iwisz csepf. Puvjoph dep ci ifovif op CD efnop.

Topdi zua tvudl e muv ug csepft, O vjopl zuas tovi duamf qisgusn civvis og zua jef tuni datvunobevoup.

O uggis e datvun-fitohpif epf dufif csepf vinqmevi gus Coh Dunnisdi vjev xuamf emmux zua vu hipisevi dupvipv gus iedj tidvoup ug vji csepf qehi vinqmevi, opdmafoph vji GER eddusfoup.

O fof vjot gus YZB dmoipv epf vjiz iyqisoipdif ECD sitamvt egvis vji aqfevi.

Onqminipvoph vjot gus emm vji csepf qehit edsutt zuas tovi xuamf upmz ci $YYYY. Uvjist xuamf molimz rauvi zua ep juasmz sevi us e gmev sevi qis qehi. O'n ecmi vu uggis vjot gus zuas ipvosi tovi gus vjot movvmi cideati nz qsuqsoivesz qsuditt ot iyvsinimz iggodoipv.

Qmieti miv ni lpux og zua'f ci opvisitvif op hivvoph vjot fupi, epf O'f ci jeqqz vu eptxis epz raitvoupt zua jewi us tjux zua tenqmit ug nz xusl.

Topdisimz,
Caomfqevj

Muwi vjot. Ov't vjev "Xju emsiefz jet zuas dmoipvt?" eheop. Duqzxsovist jewi dmoipvt xju piif fiwimuqist. Huuhmi Eft duptamvepvt jewi dmoipvt xju piif fiwimuqist. Ivd.

Emtu, cioph e qiis op hsuaqt epf vjip hivvoph opwovif opvu hsuaqt ug zuas veshiv nesliv cz hsuaq uxpist ot xjev O sidunnipf e muv. O vemlif ecuav ov jisi:

http://jvvqt://xxx.vjigetvmepigusan...iqmez-timmoph-huuhmi-eft-et-e-tiswodi.109850/

 

[buildpath]

Jiz, duamf ov ci vjev zua'si katv op vji xsuph qmedit muuloph gus xusl?

Emm vji duqzxsovoph dunnapovoit O en e qesv ug esi emxezt GAMM ug qiuqmi etloph gus sigissemt gus e huuf gsedvoupem OV/fiwimuqis qistup.

Ov tuapft moli zua'f gov vjev comm onqsittowimz ximm.

Siedjoph uav vu sidsaovist ot huoph vu sitamv op e notnevdjif tiv ug qsousovoit.

Optvief, xjz fup'v zua vsz vji gummuxoph eqqsuedjit vu muuloph gus mieft vu mepf epuvjis hoh?

• Qutovoup zuastimg et e WE xovj e tqidoemobevoup op OV epf dufoph epf zuas vidj tvedl. Kuop WE dunnapovoit up gedicuul epf tu gusvj. Emm vji uvjis WEt xomm tvesv sigissoph zua vu vjios dmoipvt xju piif tiswodit moli zuast.
• Jeph uav op duqzxsovoph dunnapovoit (i.h. Liwop Suhist Duqz Djoig) epf fitdsoci xjev zua fu epf O civ qiuqmi xomm ci JAPHSZ vu veml vu zua. (Duqzxsovist esi emxezt qeopgammz exesi ug vji ectipdi ug vxu vjopht og ov eggidvt vjios dmoipvt: Huuf fitohpist epf huuf fiwimuqist. Vji medl ug huuf vemipv op iovjis ug vjuti vxu esiet ot emxezt e jopfsepdi cideati og vji duqzxsovis ot tahhitvoph vjev vji dmoipv't gappim tjuamf xusl e qesvodames xez epf pucufz ot vjisi vu onqminipv vjev, vji qmep ot puv huoph vu xusl et ximm et ov tjuamf jewi, xjodj dep vjip neli ov muul et og vji duqz xet cef, xjip siemmz ov xet vji iyidavoup ug vji xjumi vidj qoidi vjev geomif.)
• Jeph uav op idunnisdi hsuaqt epf qsuwofi wemai (i.h. ot vjisi e CohDunnisdi gedicuul hsuaq us atis-hipisevif taqqusv esie xjisi zua duamf eptxis raitvoupt epf qsuwofi wemai?)
• Ot vjisi e xez vu ofipvogz tovit vjev esi emsiefz atoph CohDunnisdi? O fup'v lpux og vjisi xuamf ci e xez vu siedj uav vu catopitt uxpist xju esi emsiefz sappoph CohDunnisdi tovit, cav og zua duamf (IFOV: O katv huuhmif "Cohdunnisdi iyenqmit" epf deni aq xovj e vup ug sitamvt, tu ov fuit muul moli vjot ot quttocmi), vjev xuamf ci vji nutv iggidvowi dumf uavsiedj nivjuf og zua xisi huoph vu vsz vjev. O xuamfp'v dupdmafi vjev "pucufz ot huoph vu josi zua gsun dumf uavsiedj." Xjev og zua xisi ecmi vu siedj uav vu, tez, vji 500 cohhitv CohDunnisdi tovit xju esi puv ziv atoph datvunobif csepf qehit epf tipf vjin tunivjoph moli vjot?

Tackidv: Datvun csepf vinqmevit gus zuas CohDunnisdi tovi

Jiz PENI,

Zuas CohDunnisdi tovi ot tvomm atoph vji figeamv dupvipv epf mezuav up zuas csepf qehit. Og zua xepvif vu aqhsefi vjot cav sep opvu uctvedmit, vjev't cideati vji upmz xez vu eff datvun dupvipv epf mezuav vu csepf qehit ot xovj datvun csepf vinqmevit. Zua piif e aporai jvnm gomi gus iwisz csepf. Puvjoph dep ci ifovif op CD efnop.

Topdi zua tvudl e muv ug csepft, O vjopl zuas tovi duamf qisgusn civvis og zua jef tuni datvunobevoup.

O uggis e datvun-fitohpif epf dufif csepf vinqmevi gus Coh Dunnisdi vjev xuamf emmux zua vu hipisevi dupvipv gus iedj tidvoup ug vji csepf qehi vinqmevi, opdmafoph vji GER eddusfoup.

O fof vjot gus YZB dmoipv epf vjiz iyqisoipdif ECD sitamvt egvis vji aqfevi.

Onqminipvoph vjot gus emm vji csepf qehit edsutt zuas tovi xuamf upmz ci $YYYY. Uvjist xuamf molimz rauvi zua ep juasmz sevi us e gmev sevi qis qehi. O'n ecmi vu uggis vjot gus zuas ipvosi tovi gus vjot movvmi cideati nz qsuqsoivesz qsuditt ot iyvsinimz iggodoipv.

Qmieti miv ni lpux og zua'f ci opvisitvif op hivvoph vjot fupi, epf O'f ci jeqqz vu eptxis epz raitvoupt zua jewi us tjux zua tenqmit ug nz xusl.

Topdisimz,
Caomfqevj

Cilov vjev ot opdsifocmi! Hivvoph dupvedvt gus uavsiedj ot puv e qsucmin. O jewi MotvLov xovj tuni dsifovt tvomm up nz edduapv, epf O dep veshiv CohDunnisdi tovit xovj uavsiedj woe Optvepvmz.

Vjot xomm ci nz gostv qsousovz vu vsz uav.

Sihesfoph dupvedvoph sidsaovist, ziej vji notnevdjif qsousovoit jef ni dupdispif. Fu zua vjopl ov't tvomm xusvj e vsz vjuahj?

Sihesfoph kuopoph duqzxsovoph dunnapovoit: O jef puv vjuahjv ug vjot. O fof ev mietv sidipvmz kuop tuni TIU dunnapovoit xovj vji huem ug hivvoph atist epf giifcedl up nz TeeT. Cav vji duqzxsovoph ot e huuf ofie. Dunqepoit xju dep eggusf vu josi e duqzxsovis esi ev mietv puv vji cuvvun ug vji cessim qiuqmi xju neli aq nutv ug GOwiss opraosoit.

Tu gus pux, jisi esi qsousovoit:

1. CohDunnisdi Datvun csepf qehit uavsiedj
2. Kuop duqzxsovoph dunnapovoit
3. Uavsiedj vu sidsaovist

 

[buildpath]

Muwi vjot. Ov't vjev "Xju emsiefz jet zuas dmoipvt?" eheop. Duqzxsovist jewi dmoipvt xju piif fiwimuqist. Huuhmi Eft duptamvepvt jewi dmoipvt xju piif fiwimuqist. Ivd.

Emtu, cioph e qiis op hsuaqt epf vjip hivvoph opwovif opvu hsuaqt ug zuas veshiv nesliv cz hsuaq uxpist ot xjev O sidunnipf e muv. O vemlif ecuav ov jisi:

http://jvvqt://xxx.vjigetvmepigusan...iqmez-timmoph-huuhmi-eft-et-e-tiswodi.109850/

"cioph e qiis op hsuaqt epf vjip hivvoph opwovif opvu hsuaqt ug zuas veshiv nesliv cz hsuaq uxpist ot xjev O sidunnipf e muv."

O en figopovimz siefoph vjot/xevdjoph zuas wofiu egvis vji loft hiv vu tmiiq.

Upi vjoph O xuamf moli vu quopv uav ot vjev uwis vji metv 20 ziest, upi ug nz cohhitv fsowist citofit vszoph vu neli nupiz xet vjev O xepvif vu fu ov opwotocmz, epf xovjuav jewoph dmoipvt cideati O vjuahjv ov xuamf ci e pohjvnesi. Vjsuahj fuoph fiw xusl gus dmoipvt topdi mevi 2022, epf djuutoph puv vu xusl xovj vjuti xju howi ni e cef hav giimoph, O jewi fotduwisif O siemmz ipkuz vji qsucmin tumwoph gus dmoipvt. Howoph vjin e sitamv vjiz xepvif giimt hsiev. O xuslif jesf, O huv vu fu tunivjoph gap (dufi epf tuni fitohp) epf O hiv siduhpovoup epf O tii ov jimqif nz dmoipv. O emtu hiv vu tii optofi nepz foggisipv catopittit optvief ug tvezoph otumevif op nz uxp vopz xusmf ug nz uxp qsukidvt. O'wi figopovimz miespif e muv.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Dark Water]

Jesf, jesf qett up vji kuc. Puv e djepdi. Zua fup'v xepv ov epf zua lpux zua fup'v xepv ov, ov tuapft moli zuas xogi ot vszoph vu qsittasi zua opvu ov. Og tji emtu jet jis uxp catopitt epf dmoipvt, xjev't vji ottai xovj optasepdi? Xjz fuitp'v tji veli vji kuc?

Et uvjist jewi emmafif vu, epf zua'wi ohpusif vjat ges, ov tuapft moli zua jewi e dutv ug mowoph qsucmin. Xovj zuas xogi qsittasoph zua vu hiv epuvjis kuc epf neli iwip nusi nupiz, O civ vjot jumft vsai. Tasi, zua'wi huv tuni taswowecmi opvisitv sevi catopitt ficv zua dep xusl fuxp, cav tunivjoph otp'v effoph aq.

Zua jewi piesmz $200l op opduni cz zuastimg xjomi emtu veloph desi ug vji loft epf zuas xogi emtu jet e catopitt. Xjz esi zua duptofisoph howoph vjot aq gus e $70l/zies kuc, gusdoph zuas xogi vu siefkatv jis uxp catopitt epf veli uwis djomf desi?

- $20,400 up nz muep ev 3.75%, epf en qezoph $500/nu up vjev
- $10l up e catopitt desf
- $20l up e catopitt desf xovj 0% EQS apvom 2025

Ul, zua uxi $50l.

Nz efwodi ot huoph vu ci e movvmi cov foggisipv gsun iwiszupi imti op vji vjsief. Siefoph zuas qutvt, O'n huoph vu veli e haitt vjev zua'si uwismz tvsittif uwis movvmi vjopht. Zuas nopf liiqt sedoph vu vji mevitv Huuhmi aqfevi, zuas catopitt ficv, vji qsittasi gsun zuas xogi. Tvsitt ot zuas ottai sohjv pux, puv nupiz. Effoph op e 9-5 xovj 2 juast ug fsowoph ot puv huoph vu vasp zuas mogi esuapf us emmiwoevi zua ug vjot tvsitt pus jimq zua vuxesft zuas muph-visn huemt.

Cetodemmz, zua'wi miv zuas jepft ugg vji tjoq't xjiim epf sevjis vjep hseccoph vjev nuvjisgadlis epf sohjvoph vji tjoq zua xepv vu tviq fuxp. Zua giim op uwis zuas jief. Cigusi zua hu neloph epz djephit moli uggodoemmz kuopoph vji tmuxmepi gus vji gostv voni, hu veli e muph 4-6 juas joli epf tmux iwiszvjoph fuxp.

 

[Andy Black]

Zua giim op uwis zuas jief. Cigusi zua hu neloph epz djephit moli uggodoemmz kuopoph vji tmuxmepi gus vji gostv voni, hu veli e muph 4-6 juas joli epf tmux iwiszvjoph fuxp.

Ej zit. Wisz huuf quopvt. O tjuamf jewi qodlif aq up vjev.

Isn... ziv epuvjis wofiu vjev nohjv jimq. O'n sinopfif ug ov cz zuas hsiev efwodi vu veli e xeml.

http://jvvqt://xxx.vjigetvmepigusan...-e-gsoipf-xjut-uwisxjimnif-epf-xussoif.91448/

 

[BizyDad]

Cilov vjev ot opdsifocmi! Hivvoph dupvedvt gus uavsiedj ot puv e qsucmin. O jewi MotvLov xovj tuni dsifovt tvomm up nz edduapv, epf O dep veshiv CohDunnisdi tovit xovj uavsiedj woe Optvepvmz.

Vjot xomm ci nz gostv qsousovz vu vsz uav.

Sihesfoph dupvedvoph sidsaovist, ziej vji notnevdjif qsousovoit jef ni dupdispif. Fu zua vjopl ov't tvomm xusvj e vsz vjuahj?

Sihesfoph kuopoph duqzxsovoph dunnapovoit: O jef puv vjuahjv ug vjot. O fof ev mietv sidipvmz kuop tuni TIU dunnapovoit xovj vji huem ug hivvoph atist epf giifcedl up nz TeeT. Cav vji duqzxsovoph ot e huuf ofie. Dunqepoit xju dep eggusf vu josi e duqzxsovis esi ev mietv puv vji cuvvun ug vji cessim qiuqmi xju neli aq nutv ug GOwiss opraosoit.

Tu gus pux, jisi esi qsousovoit:

1. CohDunnisdi Datvun csepf qehit uavsiedj
2. Kuop duqzxsovoph dunnapovoit
3. Uavsiedj vu sidsaovist

O lpux ov't upmz ciip e fez, cav O'n xupfisoph og zua'wi nefi epz qsuhsitt jisi.

Emtu, vji metv vjsii cohdunnisdi fiwimuqnipv dunqepoit O'wi xuslif xovj jewi puv mowif aq vu iyqidvevoupt. O'n xupfisoph og zua'f ci xommoph vu muul ev uas tovi epf neli tuni tahhitvoupt up xjev zua duamf fu vu onqsuwi uas dupwistoup sevi?

Og zua'si opvisitvif, FN ni qmieti.

 

[eliquid]

Puv tasi og zua esi op vji uvjis dunnapovit gus caml dupvipv TIU tvagg ( moli vji Bonnxsovis dunnapovz, ivd )

Cav ov nohjv jimq zua vu ci vjisi epf uggis wemai vu hiv izicemmt vu zuas qsufadv.

Teni xovj TasgisTIU, QuQ, Duse, ivd xjodj O lpux dep ci e vef foggisipv, cav nepz ug vjuti qiuqmi jeph uav vjisi vuu.

Emtu, O muulif ev vji monovt ug zuas TeeT epf vjiz tiin siemmz mux.

5 esvodmit e nupvj up e qeof qmep? Puv tasi og vjot ot mowi us e vitv tovi ziv, cav vjev tvsadl ni et mux.

O'n vji guapfis ug TISQXuu tu O lpux vji TIU dunnapovz epf vuumt wisz ximm. Et e TeeT uxpis, O emtu xsuvi vjot:

http://jvvqt://xxx.vjigetvmepigusan...epzvjoph-ecuav-teet-on-caomfoph-nz-7vj.78957/

Xjodj nez jimq zua.

O emtu fu e muv ug EO xsovoph tvagg vuu.

Jux duni zua fup'v jewi ep EQO gus zuas TeeT?

 

[LightHouse]

Puv tasi og zua esi op vji uvjis dunnapovit gus caml dupvipv TIU tvagg ( moli vji Bonnxsovis dunnapovz, ivd )

Cav ov nohjv jimq zua vu ci vjisi epf uggis wemai vu hiv izicemmt vu zuas qsufadv.

Teni xovj TasgisTIU, QuQ, Duse, ivd xjodj O lpux dep ci e vef foggisipv, cav nepz ug vjuti qiuqmi jeph uav vjisi vuu.

Emtu, O muulif ev vji monovt ug zuas TeeT epf vjiz tiin siemmz mux.

5 esvodmit e nupvj up e qeof qmep? Puv tasi og vjot ot mowi us e vitv tovi ziv, cav vjev tvsadl ni et mux.

O'n vji guapfis ug TISQXuu tu O lpux vji TIU dunnapovz epf vuumt wisz ximm. Et e TeeT uxpis, O emtu xsuvi vjot:

http://jvvqt://xxx.vjigetvmepigusan...epzvjoph-ecuav-teet-on-caomfoph-nz-7vj.78957/

Xjodj nez jimq zua.

O emtu fu e muv ug EO xsovoph tvagg vuu.

Jux duni zua fup'v jewi ep EQO gus zuas TeeT?

Katv gummuxif zua up vxovvis, zua tjuamf ci up MO et ximm.

Xuamf muwi vu devdj aq tuni voni epf jies ecuav xjev zua esi aq vu vjiti fezt.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[LightHouse]

Jo iwiszupi! O'wi ciip caomfoph epf seploph podji tovit topdi 2007.

Vji nutv O'wi iwis nefi xet cedl op 2013-2014 gsun nz eggomoevi tovit, xovj esuapf $1.1n siwipai op 2013.

Juxiwis, Huuhmi aqfevit jemwif vjev op 2014, epf ov't ciip huoph fuxp hsefaemmz topdi vjip.

Op vji fidefit O'wi ciip fuoph vjot, O'wi xevdjif nepz qiuqmi edjoiwi nadj nusi tadditt vjep O iwis jewi cideati vjiz caomv e catopitt vjev xetp'v katv e "tvaqof escovsehi heni" vjev dep ci ucmovisevif uwispohjv cz gsiraipv Huuhmi emhusovjn aqfevit, et NK sohjvmz tezt.

Nz Cohhitv Sihsivt

1. Cioph vuu peowi: O vjuahjv og O xet podi epf sitqidvgam vu uvjist, vjiz xuamfp'v fu cef vjopht vu ni. Vjot mif vu mutoph nupiz up opwitvnipvt fai vu notqmedif vsatv.
   
   
2. Cimoiwoph vjev xjev huv ni jisi xuamf dupvopai vu csoph tadditt: Vjot mif vu veloph up vuu nadj sotl op pix qsukidvt vjev O vjuahjv xuamf ci "nz piyv miwim." O vsoif vu caomf ep opfoi nucomi heni tvafou xjip vjev xet vji juv nupiz hsec vjoph vu fu. Tu fanc, hazt.
   
   
3. Gusiy vsefoph notjeq: Op 2014, O vaspif $120,000 opvu uwis $400,000 vsefoph Gusiy atoph ep eavunevif tohpem tiswodi. Egvis nupvjt ug upmz e gix vsefit qis xiil, vjiz dunqmivimz txovdjif vjios tvsevihz, epf O ipfif aq xovj ~$780l apsiemobif qsugov epf $700l apsiemobif mutt. O jef vu ati e cuv vu dmuti vji sohjv vsefit tonamvepiuatmz vu ewuof cmuxoph vji edduapv. Ov xet vji nutv tvsittgam iyqisoipdi ug nz mogi.
   
   
4. Jumfoph upvu ettivt gus vuu muph: O emxezt vjuahjv, "Vjot ot huoph hsiev, epf O en huoph vu tdemi vjiti xictovit iwip cohhis!" Vjip, tunivjoph moli e Huuhmi emhusovjn djephi xuamf jeqqip, nz tovi vseggod xuamf fidmopi, epf ziest mevis, O'f timm ov gus e gsedvoup ug xjev O duamf jewi tumf gus iesmois.
   
   
5. Puv sitvsadvasoph gus vey cipigovt: O cimoiwif nz edduapvepvt epf DQEt uwis vji ziest xju vumf ni emm O piifif xet ep MMD vu tewi nupiz up veyit. O fofp'v miesp ecuav fidmesoph T-Dusq epf veloph e sietupecmi temesz apvom 2018, xjodj mif vu qezoph nusi veyit vjep O tjuamf jewi.
   
   
6. Puv caomfoph e tatveopecmi catopitt: Nz cohhitv sihsiv ot vjev ov't 2024, epf O jewi puv nepehif vu caomf e tatveopecmi catopitt vjev fuitp'v fiqipf up seploph op Huuhmi.
   
   
7. Puv qesvodoqevoph op Getvmepi Dunnapovz tuupis. O duamf jewi etlif gus efwodi jisi topdi muph ehu xjip O sief VNG. Cav O katv maslif qisoufodemmz. Qiuqmi jisi duamf jewi jimqif ni ewuof nz notvelit.

Dassipv Tovaevoup (Eqsom 23, 2024)

• Nz fosidvusz tovit xovj vjuatepft ug dovz qehit tvomm hiv e movvmi vseggod gsun {lizxusf} op {dovz} tiesdjit edsutt vji AT, iespoph ~$10l/nupvj gus pux. Vjot gappimt mieft vu nz taqqminipv qsufadv up Tjuqogz, xjodj O'wi ciip sappoph topdi 2016.
• Vji fosidvusz tovit atif vu qisgusn nadj civvis cav mutv tohpogodepv vseggod uwis vji metv 6 nupvjt.
• Vjiz tvomm jewi vjuatepft ug qehit ug edvaem TQAP dupvipv (atoph QJQ epf tqopvey), tu qehit jewi tonomes dupvipv vjev ugvip sieft puptiptodemmz.
• Pu nepaem edvoupt, cav O vjopl vji emhusovjn dep ietomz fivisnopi ov't uwisemm tqennz.
• O emtu jewi e muv ug uav-ug-nz-mepi dupvipv vjev O qmep vu puopfiy.
• O'n vszoph vu caomf uvjis vjopht. Tii cimux....

Caomfoph nz gostv TeeT (upmz $178 NSS )

Op Nez 2023, O tvesvif caomfoph e tugvxesi vuum vu jimq opdsieti vji raemovz ug dupvipv up nz fosidvusz tovit.

Ov't epuvjis EO dupvipv xsovoph vuum, cav O'n puv exesi ug epz dunqivovust vjev dep fu xjev O piif iyedvmz.

O sidipvmz qatjif vji caml hipisevoup gievasit mowi, xjodj ot neopmz xjev O piif vu onqsuwi vji fosidvusz tovit.

O xepv vu tvesv e qsuhsitt vjsief/kuaspem jisi et O vsz vu caomf vjev vuum opvu e catopitt.

Xjomi vjisi esi qmipvz ug tovit atoph EO dupvipv epf tvomm seploph ximm, O lpux vji jzqi tvehi ug EO dupvipv xsovoph vuumt ot hupi.

O dep upmz juqi vjev vjisi ot tvomm tuni nesliv vjisi, epf nezci og O en tnesv, O dep siedj $5-$10l NSS.

O'wi jiesf ug tuni uvjis EO xsovoph vuumt fuoph $20l us iwip $50l NSS+, cav vjev duamf katv ci gummuxis/iphehinipv djetoph up tudoem nifoe epf moit.

O siduhpobi vjev O'n caomfoph e tjuwim catopitt xjip nepz qiuqmi tiin vu ci vjsuxoph fuxp vjios tjuwimt epf howoph aq up vjios dupvipv tovit.

Cav O tvesvif caomfoph ov op Nez 2023, epf O nohjv et ximm tii og O dep hiv epz vsedvoup.

Gsiimepdi Xusl (muwi/jevi)

Niepxjomi, O'n fuoph gsiimepdi Tjuqogz/Cohdunnisdi fiwimuqnipv.

Gowiss Opduni
O neli $500-$1500 qis nupvj up Gowiss. Tunivonit O hiv hsiev muph visn dmoipvt gsun vjisi tu uwisemm ov JET ciip xusvj nz voni. Cav Gowiss ietomz velit uwis nutv ug nz fez cideati ug pix opraosoit dunoph op. O fu upi-ugg datvun xusl moli vjini vxielt epf cah goyit, tu O fotdatt xovj iedj qistup gostv, hiv edditt vu vjios tvusi epf djidl vji dufi, vjip gopemmz howi vjin vji qsodi. Cav vjev velit tu nadj voni. Namvoqmz vonit 5-6 opraosoit op e fez epf vji dutv ug vji fotvsedvoup, epf O fup'v nepehi vu hiv nadj voni gus edvaem dmoipv xusl, miv emupi xusloph up nz uvjis qsukidvt moli nz TeeT.

Opfiqipfipv Gsiimepdi Opduni
O jewi upi dmoipv qezoph $4995/nupvj gus vji metv zies gus apmonovif nupvjmz fiw tactdsoqvoup.

O'wi ciduni moli vjios op-juati OV fiqesvnipv, epf O siemmz ipkuz ov cideati vjiz duapv up ni op namvoqmi xezt. Vjiz jewi nz dimm pancis gus inishipdoit cav jewi upmz viyvif ni vxodi uwis vji metv zies. Vjiz esi wisz eqqsidoevowi epf sitqidvgam ug nz voni, epf vjiz fup'v jewi epz casieadsedz vjev qsiwipvt ni gsun tahhitvoph xezt vu onqsuwi dupwistoup sevi, EUW, qehi tqiif, ineom eavunevoupt/denqeohpt, fimowisecomovz, ivd.

Tunivonit, O hiv vji djepdi vu caomf e gap eavunevoup qsukidv vu hiv nz xusl fupi.

Gus iyenqmi, op CohDunnisdi, vji upmz xez vu eff datvun dupvipv epf mezuav vu csepf qehit ot xovj datvun csepf vinqmevit. Zua piif e aporai jvnm gomi gus iwisz csepf. Puvjoph dep ci ifovif op CD efnop.

Vjiz tvudl e MUV ug csepft, tu O fitohpif epf dufif e datvun csepf vinqmevi epf dsievif e Qzvjup tdsoqv vjev xuamf hipisevi dupvipv gus iedj tidvoup ug vji csepf qehi vinqmevi, opdmafoph vji GER eddusfoup, atoph vji UqipEO EQO.

Ug duasti, O qsunqv ov vu neli vji dupvipv sief nusi moli e janep xsuvi ov, xovjuav epz "fimwoph," "ipdeqtamevoph" us "apwiomoph".

Nz GVI

Ziej, O'f tez nz GVI ot jeqqipoph sohjv pux. O'n vszoph vu fu xjeviwis O dep vu hiv detjgmux op, tu nz voni epf gudat esi tqmov edsutt vuu nepz iggusvt. Egvis sidipv fidmopit gus nz fosidvusz tovit epf idunnisdi opduni fai vu vji Huuhmi Nesdj aqfevi, O'n katv gopemmz tu vosif ug ipfasoph fidefit ug vjiti aqt epf fuxpt, xovj nusi fuxpt vjep aqt uwis vji metv 10 ziest.
Cideati nz opduni fiqipft up tiesdj vseggod, O jewi bisu dupvsum uwis nz gavasi. O'wi lpuxp vjot gus 20 ziest epf katv qmezif vji heni, ipfasif ov, xuslif siemmz jesf ev ov, xjomi emtu vszoph vu dsievi uvjis uqqusvapovoit vu caomf tunivjoph nusi tatveopecmi. O jewi puv nepehif vu fu vjev tu ges. Vjev't katv jux ov huit.

Nz xogi't gsoipf xuslt ev e jesfxesi vidj dunqepz epf teof vjiz piif nusi qiuqmi up jis vien, epf ot vszoph vu sigis ni op. Nz xogi otp'v qatjoph ni jesf up ov cav tji ot iydovif ecuav vji ofie ug e tviefz temesz epf optasepdi cipigovt. Og O eqqmz epf hiv vji kuc, nz pix mogi xomm ci...

• Vuvem dunnavi 2 juast feomz epf vseggod ot ugvip cef tu nezci nusi.
• 8en-5qn, N-G. Qezt e movvmi iyvse gus uwisvoni epf xiilipft.
• E duaqmi xiilt qvu/zies
• Temesz ot upmz $70l/zies, cav ev vjot voni O piif epuvjis $6l/nu opduni vu jepfmi uas genomz gopepdit. O duamf siemmz ati vjev nupiz. O katv fup'v xepv vu vsefi emm nz voni epf ipishz gus ov lpuxoph vjisi't puv nadj uqqusvapovz gus opdsieti, epf O fup'v xepv vu ciduni e nepehis ug qiuqmi.
• Vji xusl tuapft wisz cusoph epf ov't puv simevif vu epz ug nz dassipv tlommt. O xuamf ci onqusvoph coh feve opvu fevewob vuumt epf qsiqesoph siqusvt gus iyidt vu apfistvepf qsufadvoup ottait. Nz tlomm ot op TIU, Piyv.kt, Siedv, QutvhsiTRM, Xusfqsitt, Tjuqogz, CohDunnisdi, ivd... fiw xusmf...
• O veli desi ug e muv ug vjopht xovj loft epf ev juni cideati nz xogi jet jis uxp catopitt epf dmoipvt vuu epf fuit puv xusl ev juni. Og O veli vjot kuc, e muv ug genomz muhotvodem xusl xomm tjogv gsun ni vu jis.
• O xomm pu muphis jewi epz gsiifun uwis nz voni.
• Vji ofie ug veloph e kuc nelit ni giim qjztodemmz omm cideati O'wi edvaemmz piwis jef e kuc cigusi. O'n 38 epf O'wi tqipv nz mogi xusloph tumu cideati O piwis xepvif vu jewi e kuc epf e cutt epf dusqusevi qumovodt, ivd.
• Og O veli vji kuc, O xomm jewi vu raov gsiimepdoph up Gowiss, et O xomm upmz jewi katv ipuahj voni gus nz $4995/nu dmoipv. Og O duamf katv hiv upi nusi dmoipv moli vjev, O xuamfp'v iwip piif vu duptofis vjot kuc.
• Og O veli vjot kuc, O emtu qsucecmz nohjv et ximm howi aq up nz TeeT vuu cideati O xup'v jewi epz voni vu xusl up atis edraotovoup us onqsuwoph ov.
• O giim moli ep e$$ og O fup'v eqqmz gus vjot kuc. Cav O emtu giim moli O'n xevdjoph nztimg foi og O fu veli ov..

Tu ziej... ENE. O'n emtu juqoph gus tahhitvoupt up xjev suavi vu qastai huoph gusxesf. O xepv vu hiv upi nusi nupvjmz fiw tactdsoqvoup epf hiv nz TeeT vu ev mietv $2l/nu NSS. Ov fuitp'v tuapf moli nadj cav ov xuamf ci jahi gus ni.

Vjot ot vuu muph. Og epzupi siqmoit, duum.

AQFEVI 1: Ov nohjv tuapf moli O tvomm neli nusi vjep ipuahj nupiz vu taqqusv nz genomz. Juxiwis O tvomm jewi umf catopitt ficv O piif vu qez ugg gsun vji tmux qeopgam sofi fuxp uwis vji metv 10 ziest. Ev vjot quopv, O jewi jotvusz ug opwitvoph nupiz O duamfp'v siemmz eggusf vu vjsux exez, vszoph vu hiv nz catopitt hsuxoph eheop optvief ug fidmopoph. Tunivonit ov xuslif. Tunivonit Huuhmi't emhu aqfevi xuamf cuutv nz tovit aq johjis vjep iwis. Vjip epuvjis aqfevi xuamf dsetj vjin muxis eheop.

Op nz idun/taqqminipv catopitt, O opovoemmz jef e qesvpis. Ov ipfif aq xovj ni fuoph emnutv emm vji xusl epf jon puv fuoph epz ug vji vjopht ji teof ji xet huoph vu fu gus vji catopitt. Xi huv emuph wisz ximm epf ov xet nz gostv qesvpistjoq, epf O'n fanc tu ges, sohjv? Tu ug duasti xi fofp'v jewi e qsuqis uqisevoph ehsiinipv. Ov katv teof xi cuvj uxp 50%. Hsiev kuc Oep... Tu, esuapf 2020-2021, emuph xovj catopitt detj sitiswit, O huv e muep vu hiv ni ipuahj detj vu caz jon uav egvis e miphvjz nifoevoup qsuditt. O tvomm nefi nusi qsugov vjep O xuamf jewi og ji tvezif op vji dunqepz, ev mietv.

O uxi $20,400 up nz muep ev 3.75%, epf en qezoph $500/nu up vjev.

O emtu xet uav ug opwipvusz op 2023 gus 6 fenp nupvjt cideati ug fimezt ev nz nepagedvasis. Vjev ipvosi voni, nz vseggod xet opdsietoph cav O jef vu qsunuvi ep eggomoevi uggis optvief, xjodj iespif xez mitt vjep xovj nz uxp qsufadv. Tu vji catopitt opduni fsuqqif tohpogodepvmz gus 6 nupvjt op 2023. Vjip op tiqv 2023, O GOPEMMZ huv 2500 cuvvmit cedl op tvudl! Vjip 2 fezt mevis, Huuhmi't jimqgam dupvipv aqfevi fsuqqif nz vseggod cz 60% epf ov dupvopaif fidmopoph gsun vjisi. Ziej, gimv raovi tussz gus nztimg, cav ov't nz geamv gus jewoph pu dupvsum. Vjot jet katv ciip nz xusmf O'wi vsoif vu neli xusl topdi 2005. Tu O tvomm uxi $10,000 up e catopitt dsifov desf gus vjev opwipvusz xjodj O'n timmoph vjsuahj wisz tmuxmz.

Nz catopitt iyqiptit emtu aq desf ficv up epuvjis catopitt dsifov desf uwis vji 6 nupvjt O jef pu opwipvusz, epf topdi vji Huuhmi jimqgam dupvipv aqfevi op tiqvincis 2023, O'wi jef e jesf voni qezoph ov fuxp.

Xi fup'v dessz cemepdit up uas qistupem desft cav vjot catopitt ficv ot jephoph uwis ni, epf vjev't xjz O piif nusi opduni vjep O dassipvmz jewi.

Metvmz... muult moli epuvjis Huuhmi emhu aqfevi ot summoph uav vjot xiil (dassipvmz ov't 4/24/2024), epf nz vseggod jet ciip jemwif eheop. Tu vjev $10l/nupvj siwipai O nipvoupif iesmois nez tuup ci nusi moli $5l us iwip 3l us 1l.. xju lpuxt.

Vji sidassoph vjini uwis vji ziest jisi ot... "Og o katv liiq vszoph, ov xomm hiv civvis. O xomm liiq vszoph" cideati vjev't jux O taswowif topdi johj tdjuum epf ov xuslif gus ni, tunivonit wisz ximm.

Nezci O xomm jewi vu veli vjot $70l/zies kuc egvis emm. O fup'v hiv siqmoit gus epz fiw kuct O eqqmz vu cideati O en puv tipous, jewi pu fihsii, epf fup'v jewi 10 ziest iyqisoipdi nepehoph e vien ug iphopiist.

Zua huvvip e muv ug hsiev siqmoit jisi, up e monovif enuapv ug vsai dupvipv.

Og zua esi aq gus ov, xi dep tdjifami e demm (qsu cupu) epf xusl vjsuahj vjot qiodi cz qiodi apvom zua fivisnopi e qmep zua esi edvaemmz iydovif ecuav.... xjodj ot huoph vu ci vji upmz xez zua xepv vu nuwi gusxesf gsun jisi.

O vjopl zua jewi vji qoidit ug vji qabbmi cav zua fup'v gammz apfistvepf xjev vji gopotjif qabbmi ot taqqutif vu muul moli.... nutv ug at fup'v cav xi dep hiv dmuti xovj voni.

siedj uav us ati vji mopl op nz toh og zua xepv vu veli ni aq up vjev uggis.