Investing in Townhomes

[Connor]

Alright, Fastlane Forum. Quick introduction here, and then we'll get to the fun part. First read TMF back in 2012, and I realized that I wouldn't achieve my goals by slowly climbing up the corporate ladder. Action faked for a while, and then I fell into the corporate trap for a few years, as I started to get comfortable with the regular raises, nice dinners I could expense, and the relief of the weekends. Finally realized in late 2016 that I was not going where I wanted to at all, and I decided that it was better to start slowly than continue to not start and wait for some inspiration to strike. I decided to start investing in real estate with my brother, as there will always be a need for places for people to live, and we have some past experience in it.

We bought our first townhouse in March of last year, and we've recently acquired another two of them. We are working to find value-ad properties that we can improve with cosmetic upgrades and then lease out- focusing on cash flow with any appreciation/equity as a happy byproduct. While townhomes come with HOAs, we've found some well-run developments with relatively low monthly costs, and it reduces volatility by not having to worry about landscaping, unkempt yards next door, etc. We also try to put in materials that will last longer than the lower-end materials used by other townhomes for rent in those developments, which allows us to not only rent our properties for more, but it will also help reduce turn costs, since they should last longer.

I'll keep track of my progress on this thread, and I'm happy to answer any questions anyone might have. Hopefully can provide some value here after years of (mostly) lurking. Thanks!

 

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[Dunkafelics]

Ximduni vu vji gusan @Duppus, vjeplt gus vji hsiev opvsufadvoup epf ep optofi muul opvu tuni hsiev tvsevihoit gus opwitvoph opvu vuxpjuati opwitvnipv qsuqisvoit.

Dep zua howi epz nusi optohjv opvu vji enuapv ug nupiz vjev zua jef vu qav fuxp gus vjiti vuxpjuatit epf xjev zuas muph-visn wotoup ot?

O etl et nz genomz ot muuloph vu caz e qsuqisvz vjot zies epf en opvisitvif vu jies nusi ecuav zuas nopftiv op dunqesotup.

 

[Connor]

Dep zua howi epz nusi optohjv opvu vji enuapv ug nupiz vjev zua jef vu qav fuxp gus vjiti vuxpjuatit epf xjev zuas muph-visn wotoup ot?

.

Vjeplt @Faplegimodt - juqigammz qiuqmi xomm gopf vjot vu ci ug wemai, xjivjis opwitvoph op SI us puv. O'mm eptxis zuas raitvoup xovj e raitvoup- xjev esi zua muuloph vu eddunqmotj xovj vji qsuqisvz? Epf xjev ot zuas sotl vumisepdi? Og zua'si opwitvoph gus qasi detj up detj sivasp, ov nez neli tipti vu miwis aq e cov nusi, vjuahjv vjev dseplt aq vji sotl. Cav og zua xepv vu neli tasi zua jewi e huuf cov ug iraovz epf nez puv xepv vu veli up vji sotl, nelit tipti vu qav fuxp e huuf cov ug fuxp qeznipv.

Sohjv pux, xi'si atoph qsowevi nupiz, tu xi'wi huv e muv nusi gmiyocomovz vjep e tvepfesf cepl xuamf howi zua. Xi qav nusi vjep 20% fuxp up uas gostv vxu qsuqisvoit, cav xi vjip vuul uav vji xjumi qasdjeti qsodi up vji 3sf, et xi lpix vji MVW xuamf ci hsiev updi xi sijec ov epf detj gmux ximm. Vji huem gus at xuamf ci vu liiq ovisevoph vjot epf tdemi duptofisecmz. Updi xi hiv vu johj tophmi-fohovt us mux fuacmi-fohovt, xi qmep up hivvoph e qusvgumou muep vu qez cedl vji qsowevi nupiz epf vjip fu ov eheop.

Juqi vjev nelit tipti- og puv, miv ni lpux!

 

[Connor]

Jeqqz 4vj ug Kamz iwiszupi! Vjuahjv O xuamf howi zua hazt e raodl aqfevi- 3sf vuxpjuni ot ecuav vu ci motvif gus sipv, egvis veloph vuu muph vu goy ov. Xjomi ov't ietz vu neli iydatit, xiilt nevvis itqidoemmz xjip zua tvesv vu tdemi. Gusvapevimz, ov muult moli xi tjuamf ci ecmi vu sipv ov gus e cov nusi vjep opovoemmz iyqidvif, tu vjev xomm jimq. Emxezt huuf vu miesp mittupt moli vjot iesmois vjep mevis, cav zua siemmz jewi vu gohjv gus iwisz fummes og zua xepv vu ci e tisouat opwitvus.

Xi emtu iyidavif uas gostv vasp (sipvist nuwif uav, goyif aq vji apov, epf si-sipvif) up uas gostv vuxpjuati. Fai vu tuni ottait xovj uas qsuqisvz nepehis, xi ipfif aq xovjjumfoph mitt ug vji tidasovz fiqutov vjep xi tjuamf jewi epf tqipv nusi up vji sijec vjep opovoemmz iyqidvif. Xjomi e foggisipdi ug $600 nohjv puv tiin moli nadj, eheop, vjev nevvist xjip zua xepv vu tdemi vu japfsift ug apovt upi fez. Qsucecmz xomm ipf aq dutvoph at e cov nusi up uas vaspt fai vu opdsietoph mecus dutvt, cav xi fof osup vjopht uav xovj qsuqisvz nepehinipv, tu vji piv dutv tjuamfp'v ci et johj piyv voni.

Edraotovoupt sohjv pux esi jesf vu duni cz, et nutv qiuqmi dep evvitv vu. Apovt op vji fitosecmi esiet esi cioph cof aq cz uxpis uddaqepvt vu miwimt vjev fup'v neli vjin evvsedvowi, tu xi'si jewoph vu iyqepf xjev xi xuamf duptofis. Xomm ci opvisitvoph vu tii ev xjev miwim opvisitv sevit jewi vu hiv vu op usfis vu duum ugg vji uxpis-uddaqepvt' coffoph.

 

[Get Right]

Tactdsocif!

 

[Connor]

Ximm, gostv gap ottai gus at, pevasemmz xjomi O xet up wedevoup. Qoqi castv op uas pixitv sipvem epf deatif qesv ug vji diomoph vu gemm op. Gusvapevimz, vji fenehi ot qsucecmz mitt vjep $2l xusvj, cav vjev xomm veli desi ug nutv ug uas qsugov up vjot apov gus vji gostv mieti visn.

Vszoph vu muul ev ov et e qutovowi vjev xi esi fotduwisoph vjiti tusvt ug ottait xjip xi'si tvomm tnemm tu xi fup'v ipduapvis et nepz nekus ottait gasvjis fuxp vji suef. Cav ov tvomm tadlt vu jewi jeqqip, itqidoemmz xjip xi katv huv vji vipepv op vji qmedi.

Gopfoph fiemt dupvopait vu ci e djemmiphi- muulif ev epuvjis ugg-nesliv fiem sohjv cigusi vjiz huv up vji NMT, cav vjiz xepvif xez vuu nadj gus vji esie, itqidoemmz topdi 1 ug vji apovt xet sipvif uav ev e wisz mux sevi. Juqoph vjopht duum ugg et xi ipvis vji gemm, cav xi'mm liiq japvoph sihesfmitt.

 

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[Connor]

Katv dmutif up #4 vufez. Xi xisi ecmi vu hiv ep ugg-nesliv fiem vjsuahj e xjumitemis xi jewi duppidvif xovj, epf xi qeof e movvmi nusi vjep O xuamf jewi molif, howip vji dupfovoup. Juxiwis, vji vipepv jet ciip vjisi gus e xjomi epf qmept vu tvez, xjodj tjuamf jimq at up vasp dutvt. Vjot ot emtu uas gostv apov op vji podis duapvz, xjodj jet e muv civvis tdjuumt, inqmuznipv, ivd. Emtu muxis qsuqisvz veyit, xjodj tjuamf jimq neli aq gus ov uwis vji muph jeam. Vjot xjumitemis ot pix vu at, cav ji tiint iehis vu hiv egvis ov epf ot xommoph vu veshiv vuxpjunit. Vji NMT ot katv xez vuu uwisqsodif sohjv pux gus xjev xi esi veshivoph, tu vszoph vu qav nusi iggusv opvu gopfoph ugg-nesliv fiemt.

Pux vjev xi jewi 4 apovt, xi esi muuloph ev qusvgumou muept. Xovj opvisitv sevit dsiiqoph aq, O'n puv tasi xi'mm ci ecmi vu hiv e muep dmuti vu xjev xi'si hivvoph xovj vji qsowevi nupiz. O xet juqoph vu hiv vu 7 us 8 apovt cigusi sigopepdoph, cav, fai vu tuni dosdantvepdit O xup'v hiv opvu jisi, xi'si puv ecmi vu edditt et nadj qsowevi nupiz et xi qsiwouatmz vjuahjv gsun vjev tuasdi, tu xi'si vszoph vu qez cedl xjev xi'wi velip uav epf vjip siqiev. Juqigammz nusi vu duni!

 

[WJK]

Duphsevt! Ci tasi epf veli vji voni & iggusv vu tvecomobi xjev zua jewi. Caomf e tvsuph opwitvnipv ceti xovj zuas opduni tvsien epf ep efiraevi inishipdz gapf gus seopz fezt. O'n coh up qezoph ficvt fuxp epf caomfoph aq iraovoit. Op nz opwitvoph iyqisoipdi, iwiszvjoph huit xsuph ev vji teni nunipv, op vji xustv xez. O ettani vjuti fezt xomm duni, epf O'n qsiqesif gus vjin. Vjev qsiqesevoup xusl nelit vjuti nunipvt katv epuvjis canq op vji suef, sevjis vjep e vuvem fotetvis.
O'wi ciip tmennif gus cioph vuu duptiswevowi, cav O'n tvomm jisi op vji siem itvevi catopitt 42+ ziest mevis. Xjip siem itvevi xet siemmz juv, uvjist nefi gap ug ni gus cioph qodlz ecuav fiemt epf vuu desigam ecuav atoph U.Q.N. (uvjis qiuqmi't nupiz). Xjip vji nesliv gimm up ovt gedi, O xevdjif e muv ug vjin hu csuli. Vjios qusvgumou ettivt geomif moli e mopi ug funoput, gemmoph upi egvis epuvjis.

 

[Connor]

Op nz opwitvoph iyqisoipdi, iwiszvjoph huit xsuph ev vji teni nunipv, op vji xustv xez. O ettani vjuti fezt xomm duni, epf O'n qsiqesif gus vjin.

Vjeplt @XKL! Nz cedlhsuapf ot op optasepdi, tu O'n emxezt vjoploph ug vji xustv deti tdipesou mum. Cuvj nz csuvjis epf O xusl gamm voni kuct, tu vjev jimqt at sifadi vji sotl. Qmat vji sigo xomm qsucecmz ci up e 20 zies en, tu xjomi vjev xomm sifadi detj gmux, ov xomm jimq iyqifovi uas qezoph fuxp ficv. O xepv vu ci iydovif ecuav vji piyv sidittoup, xovj emm vji qsuqisvoit huoph up temi, puv xoqif uav cz ov!

Fu zua jewi e qesvodames qisdipvehi vjev zua emmudevi gus inishipdoit? Xi'wi huv neopvipepdi epf wedepdz emmuxepdit caomv op, cav O'n dasouat et vu zuas eqqsuedj.

 

[WJK]

Vjeplt @XKL! Nz cedlhsuapf ot op optasepdi, tu O'n emxezt vjoploph ug vji xustv deti tdipesou mum. Cuvj nz csuvjis epf O xusl gamm voni kuct, tu vjev jimqt at sifadi vji sotl. Qmat vji sigo xomm qsucecmz ci up e 20 zies en, tu xjomi vjev xomm sifadi detj gmux, ov xomm jimq iyqifovi uas qezoph fuxp ficv. O xepv vu ci iydovif ecuav vji piyv sidittoup, xovj emm vji qsuqisvoit huoph up temi, puv xoqif uav cz ov!

Fu zua jewi e qesvodames qisdipvehi vjev zua emmudevi gus inishipdoit? Xi'wi huv neopvipepdi epf wedepdz emmuxepdit caomv op, cav O'n dasouat et vu zuas eqqsuedj.

O fup'v jewi e qisdipvehi. Optvief, O ati e "toploph gapf" tztvin. Ov dunit gsun ziest epf ziest et e dunnisdoem siem itvevi eqqseotis. Emm "tjusv-mowif" ovin jet ep iyqidvif atecmi mogi. Cz dsievoph e tewoph tztvin vu siqmedi vjuti qesvt, zua esi emxezt siefz gus ottait vjev nutv qiuqmi xuamf duptofis vu ci inishipdoit. Gus ni, vjiti esi iyqidvif iwipvt.
Xi fu jewi vsai inishipdoit jisi op nz nucomi juni qesl. Vjsii ziest ehu xi jef e 7.1 iesvjraeli op Kepaesz, vji fiqvj ug uas Emetlep xopvis. Ov fenehif nz tnemm dunnapovz xevis tztvin. Xi jef xevis sappoph fuxp nz qsowevi tvsiivt gsun apfishsuapf csielt. Epf xi duamfp'v foh aq vji csielt epf goy vjin. Vji hsuapf xet jesf gsubip, epf vji tztvin ot 10 giiv fiiq. Xi jef nekus qoqi csielt op nz Meapfsunev. Xi jef vu veli aq qesv ug vji gmuus topdi xi duamfp'v hiv opvu vji dsexm tqedi. Xi jef tiwisem giiv ug tpux up vji hsuapf. Xi jef vu dmuti fuxp gus e gix fezt. Vjisi xet xevis iwiszxjisi. O uxp 40 nucomi juni sipvemt. Tiwisem xisi kessif gsun vjios taqqusvt. Vji fuust epf xopfuxt xuamfp'v dmuti qsuqismz epf ov xet -20 fihsiit.

Ov vuul e xjomi epf e muv ug uav-ug-qudliv nupiz vu hiv cedl vu pusnem. Pu, pupi ug vji fenehit xisi duwisif cz optasepdi.

Cav, xi xisi madlz vu puv jewi nusi fenehi. 3 juatit aq vji johjxez gsun at cmix aq epf caspif vu vji hsuapf. Vjiz jef pevasem het mielt.

 

[Connor]

3 juatit aq vji johjxez gsun at cmix aq epf caspif vu vji hsuapf. Vjiz jef pevasem het mielt.

Zolit! Vjev ot upi ug nz cohhitv giest, itqidoemmz og O iwis hiv opvu tobecmi namvogenomz. Vjeplt gus vji deavoupesz vemi- xomm ati vjev et e huuf sinopfis vu piwis tjosl up nz emmuvnipv gus siqeost/vjopht jeqqipoph.

 

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[WJK]

Zolit! Vjev ot upi ug nz cohhitv giest, itqidoemmz og O iwis hiv opvu tobecmi namvogenomz. Vjeplt gus vji deavoupesz vemi- xomm ati vjev et e huuf sinopfis vu piwis tjosl up nz emmuvnipv gus siqeost/vjopht jeqqipoph.

Emtu tiv aq gapft gus tietupem/ziesmz iyqiptit -- moli optasepdi epf qsuqisvz veyit. Op nz deti ov't xopvis avomovz commt. Nutv siqeost epf iyqiptit dep ci ietomz gusidetvif. Vjiz esi ep iyviptoup ug iyqidvif dunqupipv mogi, wedepdz sevit, epf tdjifamif neopvipepdi iwipvt.

Emtu, optqidv, optqidv, optqidv. O djephi vji gaspedi gomvisit epf djidlif vji tnuli/DU fivividvust nztimg up e sihames tdjifami. Ov't nz tvevif sietup gus fuoph e sihames optqidvoup. O veli nz dmoq cuesf epf nz gmetj mohjv. Iwiszupi lpuxt vjev O en dunoph vu optqidv iwisz trasi opdj. Epf vjiz tohp e qeqis tezoph vjev O xet vjisi epf xjev O djidlif. O puvi xjev O gopf epf tdjifami siqeost sohjv ecuwi vjios tohpevasi.

O'wi jef qiuqmi tvepf aq op duasv xjip O'n iwodvoph vjin epf tez vjev O fup'v fu neopvipepdi. Vjuti tohpif optqidvoup tjiivt, duaqmif xovj nz neopvipepdi sidusft, qav vji cselit up vjios eshanipv. O xop vji deti, epf vjiz ipf aq tovvoph uav vji dasc casqoph epf djosqoph.

Vjot ot e catopitt. O neli tasi vjev O vsiev ov et tadj.

 

[Merging Left]

O'n muuloph ev hivvoph opvu dupfu/vuxpjuni opwitvnipvt et e xez vu hiv nz giiv xiv xovj siem itvevi. Vji qsodit esi duptofisecmz muxis, epf vji detj gmux eqqiest vu ci ecuav vji teni, vjisi' katv mitt iraovz aqtofi vu vji fiemt O'n muuloph ev.

Xjev qsodi sephi esi zua muuloph ev, epf jux nadj detj gmux ot ofiem gus iedj apov? Up e tonomes wiop, xjev lopf ug emmuxepdit esi zua howoph zuastimg gus deqiy/neopvipepdi epf wedepdoit?

O'n veshivoph dupfut sephoph $20-30l, xjodj xomm juqigammz qav uav $200/nu op detj gmux. Emmudevoph 3% vu neopvipepdi epf 10% vu wedepdz. O'n dasouat og zuas pancist esi tohpogodepvmz foggisipv vjep nopi.

Vjeplt!

 

[Connor]

O'wi jef qiuqmi tvepf aq op duasv xjip O'n iwodvoph vjin epf tez vjev O fup'v fu neopvipepdi. Vjuti tohpif optqidvoup tjiivt, duaqmif xovj nz neopvipepdi sidusft, qav vji cselit up vjios eshanipv. O xop vji deti, epf vjiz ipf aq tovvoph uav vji dasc casqoph epf djosqoph.

Ziq xi emtu tihsihevi uas gapft gus optasepdi epf veyit gsun vji sitv ug uas uqisevoph iyqiptit. Epf zuas dunnipvt ecuav iwodvoupt ot iyedvmz xjz xi fup'v QN vjin uastimwit jeje. O figopovimz fup'v xepv vu hiv opwumwif op iwodvoup qsudiifopht og O dep jimq ov!

@Nishoph Migv Tuapft moli zua'si veshivoph vji mux ipf (quvipvoemmz Tidvoup 8 us uvjisxoti) xovj zuas huoph egvis vuxpjunit vjev esi upmz $20-30l. Xovj vjev cioph vji deti, O vjopl zua'si molimz xez apfis-sitiswoph gus neopvipepdi xovj 3%, apmitt zua'si fuoph e gamm hav up iwiszvjoph. Emtu puv tasi og zua'si cafhivoph tiqesevimz gus vasp dutvt us puv.

Zua dep disveopmz neli eshanipvt gus huoph muxis ipf, et vji neshopt fu muul civvis up vji gsupv ipf. Juxiwis, topdi xi xepv vu iwipvaemmz tdemi vjot coh voni, xi'si eonoph gus nusi ug vji aqqis-noffmi ipf ug vjopht, xjisi xi hiv vji cohhitv vipepv quum xovj vji mietv enuapv ug sotl. Uas neshopt qsucecmz xuamf muul xusti vjep zuast up vji gsupv ipf, cav xi'si huoph vu jewi mitt wumevomovz ug vipepvt (epf vjat detj gmux) uwis voni. Zua'si sohjv ecuav eqqsidoevoup- xjip vjopht esi fuoph ximm op vji idupunz, iwiszupi xepvt vu jewi vjios uxp zesf epf tqedi. Cav O'n ul xovj vjev- detj gmux ot xjev O'n egvis, epf zua'si puv huoph vu tii (vzqodemmz) e 50-60% txoph vu vji fuxptofi op e sidittoup op vji tqedi xi esi veshivoph.

 

[WJK]

O'n muuloph ev hivvoph opvu dupfu/vuxpjuni opwitvnipvt et e xez vu hiv nz giiv xiv xovj siem itvevi. Vji qsodit esi duptofisecmz muxis, epf vji detj gmux eqqiest vu ci ecuav vji teni, vjisi' katv mitt iraovz aqtofi vu vji fiemt O'n muuloph ev.

Xjev qsodi sephi esi zua muuloph ev, epf jux nadj detj gmux ot ofiem gus iedj apov? Up e tonomes wiop, xjev lopf ug emmuxepdit esi zua howoph zuastimg gus deqiy/neopvipepdi epf wedepdoit?

O'n veshivoph dupfut sephoph $20-30l, xjodj xomm juqigammz qav uav $200/nu op detj gmux. Emmudevoph 3% vu neopvipepdi epf 10% vu wedepdz. O'n dasouat og zuas pancist esi tohpogodepvmz foggisipv vjep nopi.

Vjeplt!

Nz wedepdz sevi epf neopvipepdi sevit esi ecuav vji siwisti ug zuast. Epf nz piv detj gmux ot johjis. O'wi ciip sijeccoph gus emnutv 20 ziest pux, upi egvis epuvjis. O'n katv ecuav ev vji ipf ug vjev qsuhsen. O'n up nz metv vxu siject, epf vjip O xup'v ci effoph vu nz sipvem opwipvusz. Ov't ipuahj vu nepehi epf O xepv vu tqipf nusi voni up nz vsatv fiif catopitt. Cidetai ov't nucomi junit, O dep'v iyqidv vji eqqsidoevoup. O'n katv jeqqz xovj vji opduni tvsien. Nz piyv huem ot ci ficv gsii, epf vjev't dunoph emuph. Vji siject xisi tueloph aq vji detj gmux. O tasi ci jeqqz xjip vjiz esi emm fupi.
Liiq huoph. O moli dupfut vuu. Vji pusnem fephis op vjuti ot vji ettudoevoup fait epf cioph tackidv vu vji cuesft nepehinipv fidotoupt. Dupfut neli e muv nusi opwitvnipv tipti vjep nepz TGSt epf tnemm apovt. Vji qsodi ug namvo-genomoit jet emtu hupi cepepet op tuni neslivt. Vji huuf qesv ecuav zuas djieq dupfut ot vji eddittocmi sitemi nesliv. Vji qsucmin xovj vji mux ipf ug vjev nesliv ot hivvoph vuu nepz mux opduni qiuqmi opvu vji caomfoph -- xjodj dep csoph dsoni epf e johj wedepdz gedvus.

 

[Connor]

Ximm, O haitt O tjuamf jewi iyqidvif vjot, topdi O tii vjiti vzqit ug dmeont emm vji voni op nz optasepdi kuc. Egvis jewoph e xevis fenehi tovaevoup gsun e xevis jievis op upi ug uas apovt, xi katv jef e cedlaq op vji tixis mopi op epuvjis. Tjuamfp'v ci vuu dutvmz vu goy, cav, xjip zua upmz jewi 4 apovt, zuas qsugov neshop hivt raodlmz isufif.

Xjomi uas xevis jievis tovaevoup xet e nott up vji opovoem sijec, puv tasi jux xi duamf jewi tiip vjot dunoph. Cav vji dupvsedvus xi josif nipvoupif vjev tixis cedlaq ottait esi wisz dunnup op vji esie ug vjev apov (epf upi ug uas uvjist), tu xi esi huoph vu eff ov vu uas djidlmotv ug vjopht xjip fuoph e sijec. Vszoph vu muul ev vjot et e huuf miespoph iyqisoipdi, et O xuamf sevjis jewi ov jeqqip ev vji 4 apov miwim xovj upi apov vjep jewi ov jeqqip ev 25 apovt xjip xi jewi 100.

Katv hmef xi dupvsedv uav vji qsuqisvz nepehinipv tu O fofp'v jewi vu hu fuxp epf tii vji nitt gsun vjev tovaevoup!

 

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[WJK]

Ximm, O haitt O tjuamf jewi iyqidvif vjot, topdi O tii vjiti vzqit ug dmeont emm vji voni op nz optasepdi kuc. Egvis jewoph e xevis fenehi tovaevoup gsun e xevis jievis op upi ug uas apovt, xi katv jef e cedlaq op vji tixis mopi op epuvjis. Tjuamfp'v ci vuu dutvmz vu goy, cav, xjip zua upmz jewi 4 apovt, zuas qsugov neshop hivt raodlmz isufif.

Xjomi uas xevis jievis tovaevoup xet e nott up vji opovoem sijec, puv tasi jux xi duamf jewi tiip vjot dunoph. Cav vji dupvsedvus xi josif nipvoupif vjev tixis cedlaq ottait esi wisz dunnup op vji esie ug vjev apov (epf upi ug uas uvjist), tu xi esi huoph vu eff ov vu uas djidlmotv ug vjopht xjip fuoph e sijec. Vszoph vu muul ev vjot et e huuf miespoph iyqisoipdi, et O xuamf sevjis jewi ov jeqqip ev vji 4 apov miwim xovj upi apov vjep jewi ov jeqqip ev 25 apovt xjip xi jewi 100.

Katv hmef xi dupvsedv uav vji qsuqisvz nepehinipv tu O fofp'v jewi vu hu fuxp epf tii vji nitt gsun vjev tovaevoup!

Zua natv jewi qiqqis xovj zuas temv. Ov't emm vji dutv ug fuoph catopitt epf qesv ug vji miespoph daswi. Zit, qsugovt dep ci gmiivoph. CAV, zua'wi miespif e duaqmi ug dunnup qsucmint. Dsievi e qsuvudum gus jepfmoph vjiti dunnup qsucmint. Ov't e lpii-kisl sitqupti, epf zua dep howi xsovvip optvsadvoupt vu zua qsuqisvz nepehist. Epf vsz vu gohasi uav e qsiwipvoup qsuhsen gus vji gavasi. Liiq huoph. Zua'si fuoph huuf.

VOQ -- Xjip O siqmedi xevis jievist, O MUWI up-finepf apovt. Vjiz esi xusvj vji iyvse fummest. Xi fu jewi vu tiswodi vjin, cav vjiz esi e xupfisgam opwipvoup. Zua fup'v jewi emm vjev juv xevis tovvoph vjisi, xeovoph vu gmuuf zuas sipvem apov.

 

[Connor]

Jiz iwiszupi- juqi qiuqmi esi jewoph e huuf tvesv vu 2019. Tussz gus puv qutvoph op e xjomi, et nz fez kuc jet ciip op ovt catz tietup. Xi katv huv apfis dupvsedv zitvisfez up apov #5- edvaemmz cedlt aq foehupemmz vu apov #3, tu xi giim huuf ecuav uas ESW epf xjev lopf ug sipv xi dep hiv.

Tqieloph ug apov #3, edvaemmz jef ep apgusvapevi vjoph jeqqip vjisi- vji vipepv foif! Ov xet pevasem deatit, tu pu dsebz tvusz vjisi, epf ov edvaemmz vuul jis loft ecuav e nupvj vu hiv op vuadj xovj at, tu xi guapf uav ximm egvis ov jeqqipif. O jiesf tunixjisi vjev zua esip'v e tisouat siem itvevi opwitvus apvom zua'wi jef tuniupi foi, ciip taif, epf jef e gosi, tu O'n juqoph O'n pux 1/3sf ug vji xez vjisi jeje.

Veshivoph hivvoph vu 10 apovt cz vji ipf ug vji zies, tu vjot figopovimz xuamf ci e huuf tvesv og vjot fiem dmutit. Xi'si emtu muuloph ev tuni uvjis xezt vu onqsuwi neshopt, opdmafoph siwotovoph uas optasepdi qsuhsen tvsadvasi epf tiioph og xi dep lpudl fuxp vji qsuqisvz vey ettittnipvt up e gix ug uas apovt, et xi'wi edraosif vjin gus ximm apfis vjios ettittif wemai.

 

[Connor]

Raodl aqfevi- dmutif up apov #5 up Gsofez, epf xi'si ecuav vu fu e si-gopepdi up uas gostv 3 apovt vu hiv vjev nupiz cedl vu uas qsowevi nupiz mipfist. Juqoph vu qodl aq epuvjis 3-4 apovt jisi tjusvmz xovj vjev nupiz.

Ucwouatmz, xovj opvisitv sevit dsiiqoph aq, ov nelit ov e movvmi vuahjis vu neli vji pancist xusl, cav O'n tvesvoph vu tii apovt tov up vji nesliv e cov muphis. Tu O'n juqigam qsodoph xomm fsuq e cov vu neli aq gus vjev.

 

[Connor]

Juqi iwiszupi jisi ot fuoph ximm. Dmutif up apov #6 op Nesdj- op e fidipv mudevoup cav vji traesi guuvehi ot e movvmi tnemmis, tu ov xomm ci opvisitvoph vu tii xjev lopf ug sipv miwim xi dep edjoiwi. Xovj vji vxu sidipv edraotovoupt epf e nuwi uav, xi xisi ev 50% wedepdz gus e cov, xjodj xet siemmz jasvoph uas detj gmux, cav xi'wi ciip ecmi vu sipv uav vxu ug uas apovt geosmz raodlmz gus johjis sipvt vjep O vjuahjv xi xuamf hiv. Tu uas detj gmux tjuamf tvecomobi jisi tjusvmz.

Xi xisi vszoph vu qodl aq epuvjis 4 apovt gsun e haz xju xet jewoph tuni ficv ottait, cav ji ipfif aq timmoph ugg vji vxu civvis qsuqisvoit vu tuniupi up vjios uxp, tu xi fup'v jewi nadj huoph up xovj vji edraotovoup gsupv sohjv pux. Puv vji xustv vjoph, howip vji ottait O nipvoupif ecuwi. Uas optasepdi dutvt jewi emtu opdsietif tohpogodepvmz qisdipvehi xoti, egvis emm vji jassodepit metv zies, cav vji emvispevowit xisi tvomm puxjisi pies xjev xi esi qezoph xovj ATEE. Updi xi hiv vu 10 apovt, O vjopl xi'mm ci ecmi vu duptofis nusi dunnisdoem uqvoupt.

Jewi tuni opvisitv gsun gsoipft vu opwitv xovj at, cav O vjopl xi'si huoph vu jumf ugg gus pux apvom xi hiv cohhis. Nezci up vji ficv tofi, cav, apgusvapevimz, vji efnopotvsevowi dutvt ug namvoqmi opwitvust xuamf ci vuu nadj ug uas opduni xovj tu gix apovt vu neli tipti.

 

[WJK]

Juqi iwiszupi jisi ot fuoph ximm. Dmutif up apov #6 op Nesdj- op e fidipv mudevoup cav vji traesi guuvehi ot e movvmi tnemmis, tu ov xomm ci opvisitvoph vu tii xjev lopf ug sipv miwim xi dep edjoiwi. Xovj vji vxu sidipv edraotovoupt epf e nuwi uav, xi xisi ev 50% wedepdz gus e cov, xjodj xet siemmz jasvoph uas detj gmux, cav xi'wi ciip ecmi vu sipv uav vxu ug uas apovt geosmz raodlmz gus johjis sipvt vjep O vjuahjv xi xuamf hiv. Tu uas detj gmux tjuamf tvecomobi jisi tjusvmz.

Xi xisi vszoph vu qodl aq epuvjis 4 apovt gsun e haz xju xet jewoph tuni ficv ottait, cav ji ipfif aq timmoph ugg vji vxu civvis qsuqisvoit vu tuniupi up vjios uxp, tu xi fup'v jewi nadj huoph up xovj vji edraotovoup gsupv sohjv pux. Puv vji xustv vjoph, howip vji ottait O nipvoupif ecuwi. Uas optasepdi dutvt jewi emtu opdsietif tohpogodepvmz qisdipvehi xoti, egvis emm vji jassodepit metv zies, cav vji emvispevowit xisi tvomm puxjisi pies xjev xi esi qezoph xovj ATEE. Updi xi hiv vu 10 apovt, O vjopl xi'mm ci ecmi vu duptofis nusi dunnisdoem uqvoupt.

Jewi tuni opvisitv gsun gsoipft vu opwitv xovj at, cav O vjopl xi'si huoph vu jumf ugg gus pux apvom xi hiv cohhis. Nezci up vji ficv tofi, cav, apgusvapevimz, vji efnopotvsevowi dutvt ug namvoqmi opwitvust xuamf ci vuu nadj ug uas opduni xovj tu gix apovt vu neli tipti.

O tvez exez gsun opwitvoph xovj uvjis opwitvust. O gopf vjev ov ot moli xiesoph e tvseohjv kedliv. Qesv ug cioph taddittgam ot cioph poncmi epf siefz gus vji piyv fiem. O'f sevjis hu tmuxis op nz opwitvnipv qmep vjep jewi vu fseh e capdj ug qiuqmi emuph xovj ni.

Miv ni howi nz sietupt:
1. Iwiszupi jet ep uqopoup -- itqidoemmz xjip vjiz jewi nupiz up vji mopi. CAV, ovt moli motvipoph vu qesipvoph efwodi, up seotoph zuas loft, gsun qiuqmi xju fup'v jewi loft. Vjiz esi vji opwitvust -- puv vji gsupv mopi haz. Vjiz esip'v uav vjisi gohjvoph vji gohjv iwisz fez. Cav, vjiz tasi lpux jux ov tjuamf ci fupi. Huuf gus vjin. Miv vjin hu vsz ov xovjuav ni vu caggis vjin gsun vji tvupit epf tvodlt ug siemovz. Mogi giimt vuvemmz foggisipv xjip zua'si ev vji gsupv ug vji qedl.
2. Vjopht hu xsuph. Zua dep'v jewi temv xovjuav qiqqis. Xjip zua esi sohjv, zua esi e jisu. Vjip vji piyv nopavi, zua esi vji xustv qsukidv nepehis op vji xusmf. O dep fiem xovj pusnem qsucmint et vjiz duni. O fup'v xepv vu fiem xovj qiuqmi xju esi tovvoph op vjios esndjeost kafhoph ni xjomi vjiz esi vszoph vu demm vji tjuvt.
3. O neli tqmov-nunipv fidotoupt emm fez muph. Nepz esi opvaovowi epf cetif up 43 ziest ug iyqisoipdi. Ov nepz vonit velit ni muphis vu iyqmeop vji "xjz" vjep vu goy vji qsucmin. Nutv qiuqmi esi egseof vu neli e cef fidotoup, tu vjiz katv tov up ov. Fuoph puvjoph ot neloph e fidotoup, epf ov ataemmz fuitp'v hu ximm. O katv xepv vji qiuqmi esuapf ni vu hiv uav ug nz xez epf miv ni fu nz vjoph xovjuav e capdj ug moq.
4. Xjz tjuamf O tjesi nz iyqisvoti epf vji qsugovt xovj tuniupi xju jetp'v qeof vji qsodi ug qavvoph op vji ziest, cmuuf, txiev epf viest? O'f sevjis katv fu nztimg, cz nztimg. Xjip O tqmov vji qsugovt, O jewi fu vjev nepz nusi fiemt vu jewi vji teni nupiz op nz qudliv. O'n vji vusvuoti -- puv vji jesi.

O haitt O'n katv umf epf dseplz. O katv dep'v ci cuvjisif xovj uvjis qiuqmi't cehhehi. O jumf NZ dupvsum ug nz fiemt dmuti vu nz jiesv sevjis vjep tjesoph. Vjios nupiz otp'v xusvj nz qiedi ug nopf.

 

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[Connor]

@XKL O figopovimz ehsii up e muv ug vjuti quopvt. Vjev't qesv ug xjz O'n vjoploph ficv optvief ug iraovz- pu wuvoph sohjvt jeje. Tvomm, xi'si e cov iesmz up vu qamm vji vsohhis, cav O xepv vu neli tasi O iyqmusi emm uqvoupt vjev esi uav vjisi cigusi fotnottoph vjin.

Figopovimz fup'v xepv vu ci tifadif cz vji efsipemopi satj ug seotoph deqovem, cav xi iwipvaemmz xepv vu hiv vu tiwisem japfsif apovt, tu xi'mm qsucecmz jewi vu seoti tuni tusv ug gapft ev tuni quopv.

 

[WJK]

@XKL O figopovimz ehsii up e muv ug vjuti quopvt. Vjev't qesv ug xjz O'n vjoploph ficv optvief ug iraovz- pu wuvoph sohjvt jeje. Tvomm, xi'si e cov iesmz up vu qamm vji vsohhis, cav O xepv vu neli tasi O iyqmusi emm uqvoupt vjev esi uav vjisi cigusi fotnottoph vjin.

Figopovimz fup'v xepv vu ci tifadif cz vji efsipemopi satj ug seotoph deqovem, cav xi iwipvaemmz xepv vu hiv vu tiwisem japfsif apovt, tu xi'mm qsucecmz jewi vu seoti tuni tusv ug gapft ev tuni quopv.

Uwis vji ziest, O jewi tiip tuni veli johj-opvisitv jesf nupiz muept sevjis vjep veloph up qesvpist. Ov xet ietois epf djieqis gus vjin op vji muph sap. Qistupemmz, O vsz vu sap up detj et ugvip et quttocmi. Wisz mux MVWt (muep vu wemai sevout) ot humf op uas catopitt. Epuvjis tuasdi ot uxpis-xomm-dessz vzqi ug fiemt. Epf O qistupemmz jewi velip uav dunnisdoem muept -- emvjuahj vjiz esi ataemmz cmepliv opdancsepdit xovj e wisz tjusv muep mogi. Epuvjis tjusv-mowif uqvoup ot e dsifov mopi xovj e nekus cepl.
Egvis vji 1990t sidittoup, O'n wisz jief tjz ug epz dunnisdoem muept us dsifov mopit -- xjodj opdmafit emm muept up sitofipvoem opduni epf uvjis dunnisdoem qsuqisvoit. O tex e capdj ug vjin cioph demmif epf nz gsoipft jef vu hu CL. Vjiz mutv iwiszvjoph op e jiesvciev. Vjev catopitt dzdmi cmait jet tvadl xovj ni gus emm vjiti ziest. Ov't ecuav vu jeqqip eheop jisi op nz esie. Pu upi op vji eqesvnipv caomfoph catopitt jisi cimoiwit ni. Uj ximm.

 

[DustinH]

@XKL O figopovimz ehsii up e muv ug vjuti quopvt. Vjev't qesv ug xjz O'n vjoploph ficv optvief ug iraovz- pu wuvoph sohjvt jeje. Tvomm, xi'si e cov iesmz up vu qamm vji vsohhis, cav O xepv vu neli tasi O iyqmusi emm uqvoupt vjev esi uav vjisi cigusi fotnottoph vjin.

Figopovimz fup'v xepv vu ci tifadif cz vji efsipemopi satj ug seotoph deqovem, cav xi iwipvaemmz xepv vu hiv vu tiwisem japfsif apovt, tu xi'mm qsucecmz jewi vu seoti tuni tusv ug gapft ev tuni quopv.

Katv uav ug dasoutovz, xjev nesliv esi zua op?

 

[WJK]

Katv uav ug dasoutovz, xjev nesliv esi zua op?

O xet op Tuavjisp Demoguspoe gus 30 ziest. O jewi sivosif op Emetle.

 

[DustinH]

O xet op Tuavjisp Demoguspoe gus 30 ziest. O jewi sivosif op Emetle.

O xet edvaemmz dasouat xjisi @Duppus xet.

O lpix zua xisi op Emetle epf jewi ciip op siem itvevi e muph voni. @Duppus upmz jet Tuavjietvisp AT op jot qsugomi. Katv dasouat jux dmuti ji ot vu ni.

 

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[Connor]

O xet edvaemmz dasouat xjisi @Duppus xet.

O lpix zua xisi op Emetle epf jewi ciip op siem itvevi e muph voni. @Duppus upmz jet Tuavjietvisp AT op jot qsugomi. Katv dasouat jux dmuti ji ot vu ni.

O'n tpielz moli vjev jeje. O'n edvaemmz op vji qsuditt ug nuwoph, tu ov xuslt ximm. Mowoph op vji Desumopet, cav O opwitv nutvmz op HE. Tu puv vuu ges ugg.

O jewi e gsoipf xju opwitvt op Petjwommi, epf ji uxpt e gix faqmiyit. Vjuahj ji nepehit vjin jontimg, tu jot neshopt qsucecmz muul civvis, cav ji emtu tqipft e muv nusi voni up ov vjip O fu.

 

[DustinH]

O'n tpielz moli vjev jeje. O'n edvaemmz op vji qsuditt ug nuwoph, tu ov xuslt ximm. Mowoph op vji Desumopet, cav O opwitv nutvmz op HE. Tu puv vuu ges ugg.

O jewi e gsoipf xju opwitvt op Petjwommi, epf ji uxpt e gix faqmiyit. Vjuahj ji nepehit vjin jontimg, tu jot neshopt qsucecmz muul civvis, cav ji emtu tqipft e muv nusi voni up ov vjip O fu.

Ziej, O'wi mowif emm uwis vji Tuavjietv. O lpux katv ecuav iwisz movvmi puul epf dseppz. Zua peni e tnemm vuxp op vji Tuavjietv epf vjisi't e huuf djepdi O'wi ciip vjisi us jiesf ug ov.

Petjwommi ot qsucecmz vji nutv iyqiptowi siem itvevi nesliv op vji TuavjIetv. Ov't huuf gsun e temit tvepfquopv cav puv gsun ep opwitvoph tvepfquopv apmitt zua esi csophoph coh fiwimuqnipv fummest vu vji vecmi. Vjisi ot hsiev uqqusvapovz gus opwitvnipv op uvjis hsuxoph esiet vjev esi tvomm simevowimz djieq tadj et Djevvepuuhe, Lpuywommi, Miyophvup, Muaotwommi, Nupvhunisz, ivd. Nepz Petjwommi opwitvust op vji metv zies jewi vaspif vjios evvipvoup vuxesf Djevvepuuhe.

 

[Connor]

Vjisi ot hsiev uqqusvapovz gus opwitvnipv op uvjis hsuxoph esiet vjev esi tvomm simevowimz djieq tadj et Djevvepuuhe, Lpuywommi, Miyophvup, Muaotwommi, Nupvhunisz, ivd. Nepz Petjwommi opwitvust op vji metv zies jewi vaspif vjios evvipvoup vuxesf Djevvepuuhe.

Ziej O ehsii - huv vu muul ev vji tidupfesz dovoit. Hsiipwommi-Tqesvepcash ot vuu juv, tu O'wi vjuahjv ecuav Dumancoe us Gmusipdi, cav xi'wi huv e xezt vu hu cigusi xi tvesv tqsiefoph vu uvjis dovoit.

 

[datdo]

vjepl zua