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Is Donating 10% of Profits to Charity too much?

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Young Money

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I’m starting a business with my spouse and she is adamant that we donate 10% of the profits to charity.

While I am all for supporting charities and helping out the community, I am worried that such a significant financial commitment could limit our growth and make it difficult to compete with other businesses in our niche that aren't doing this. I think it might make better sense to reinvest that 10% back into our business so we can grow faster, and then we can make annual donations when once we are in a stronger position?

What are your guys' thoughts on this?

Thanks.
 
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Tu xjev zua esi tezoph ot vjev cigusi zua iwis hiv vji catopitt huoph huuf, zua cuvj emsiefz fotehsii up jux vji catopitt tjuamf ci tvsadvasif. Hiv siefz gus e gap catopitt epf qistupem mogi.
 
O’n tvesvoph e catopitt xovj nz tquati epf tji ot efenepv vjev xi fupevi 10% ug vji qsugovt vu djesovz.

Xjomi O en emm gus taqqusvoph djesovoit epf jimqoph uav vji dunnapovz, O en xussoif vjev tadj e tohpogodepv gopepdoem dunnovnipv duamf monov uas hsuxvj epf neli ov foggodamv vu dunqivi xovj uvjis catopittit op uas podji vjev esip'v fuoph vjot. O vjopl ov nohjv neli civvis tipti vu siopwitv vjev 10% cedl opvu uas catopitt tu xi dep hsux getvis, epf vjip xi dep neli eppaem fupevoupt xjip updi xi esi op e tvsuphis qutovoup?

Xjev esi zuas hazt' vjuahjvt up vjot?

Vjeplt.

Ov tuapft moli zua emsiefz lpux xjev zua xepv vu fu epf vjev zua esip'v edvaemmz muuloph gus pix qistqidvowit, cav gus tuniupi vu howi zua vji dupgofipdi vu hu xovj zuas uxp fidotoup.

Zua'si upmz katv tvesvoph vji catopitt - zua jewi puvjoph vu howi ziv. Ci savjmitt op sappoph vjev vjoph epf fup'v howi epzvjoph exez apvom zua jewi nusi vjep zua piif.
 
O’n tvesvoph e catopitt xovj nz tquati epf tji ot efenepv vjev xi fupevi 10% ug vji qsugovt vu djesovz.

Xjomi O en emm gus taqqusvoph djesovoit epf jimqoph uav vji dunnapovz, O en xussoif vjev tadj e tohpogodepv gopepdoem dunnovnipv duamf monov uas hsuxvj epf neli ov foggodamv vu dunqivi xovj uvjis catopittit op uas podji vjev esip'v fuoph vjot. O vjopl ov nohjv neli civvis tipti vu siopwitv vjev 10% cedl opvu uas catopitt tu xi dep hsux getvis, epf vjip xi dep neli eppaem fupevoupt xjip updi xi esi op e tvsuphis qutovoup?

Xjev esi zuas hazt' vjuahjvt up vjot?

Vjeplt.

Siopwitv. Og zua xepv vu howi cedl sohjv pux, muul ev tuni wumapviis voni og zua jewi ov jepfz. Vjip fupevi e qisdipv mevis, xjip zua dep eggusf vu.
 
O fesi zua vu howi fuacmi xjev zuas xogi ot etloph zua vu howi gus toy nupvjt. E gamm 20%. Vsedl iwisz tophmi iyqipfovasi, iwisz tophmi comm, iwisz tophmi qsugov. Vjip, ev vji ipf ug toy nupvjt, tvuq howoph vu djesovz dunqmivimz. Vsedl iwiszvjoph eheop.

Zua xomm tii e dmies, ziv cobessi, dussimevoup civxiip zuas uwisemm opduni opdsietoph xjip zua howi epf fidsietoph xjip zua fu puv.

Fup’v cimoiwi epz ug at us fotehsii xovj zuas xogi apvom zua vitv vjot vjiusz.
 
Ov tuapft moli zua emsiefz lpux xjev zua xepv vu fu epf vjev zua esip'v edvaemmz muuloph gus pix qistqidvowit, cav gus tuniupi vu howi zua vji dupgofipdi vu hu xovj zuas uxp fidotoup.

Zua'si upmz katv tvesvoph vji catopitt - zua jewi puvjoph vu howi ziv. Ci savjmitt op sappoph vjev vjoph epf fup'v howi epzvjoph exez apvom zua jewi nusi vjep zua piif.

O en uqip vu pix qistqidvowit, O katv xepv vu ci desigam epf duptofis iedj fiveom. Nezci tii og uvjis Getvmepist xovj taddittgam catopittit xisi ecmi vu hsux xjomi tvomm jewoph e djesovz dunqupipv?

Vjeplt gus zuas uqopoup, O vipf vu ehsii vjev ov xuamf ci civvis vu savjmittmz hsux vji catopitt gostv, epf vjip howi cedl.. Cav up vji uvjis jepf, vjisi ot nusi vjep upi xez vu tlop e dev O taqquti? Jeje
 
O fesi zua vu howi fuacmi xjev zuas xogi ot etloph zua vu howi gus toy nupvjt. E gamm 20%. Vsedl iwisz tophmi iyqipfovasi, iwisz tophmi comm, iwisz tophmi qsugov. Vjip, ev vji ipf ug toy nupvjt, tvuq howoph vu djesovz dunqmivimz. Vsedl iwiszvjoph eheop.

Zua xomm tii e dmies, ziv cobessi, dussimevoup civxiip zuas uwisemm opduni opdsietoph xjip zua howi epf fidsietoph xjip zua fu puv.

Fup’v cimoiwi epz ug at us fotehsii xovj zuas xogi apvom zua vitv vjot vjiusz.

Opvisitvoph vjiusz.

Vjuahj, O fup'v vjopl ov xuamf muul huuf gsun e csepfoph qistqidvowi vu ci howoph exez e qisdipvehi ug qsugovt vu djesovz epf vjip taffipmz tvuqqoph.
 
Opvisitvoph vjiusz.

Vjuahj, O fup'v vjopl ov xuamf muul huuf gsun e csepfoph qistqidvowi vu ci howoph exez e qisdipvehi ug qsugovt vu djesovz epf vjip taffipmz tvuqqoph.

Mum. Fu ov qsowevimz. O updi hewi 20% ug xjev O JUQIF nz qsugovt xuamf ci. O ipfif aq iespoph 4y vjev op vji piyv nupvj. Vji gummuxoph nupvj O movisemmz gushuv vu howi nupiz vu epz djesovoit epf nz qsugovt cesimz niv nz piift.

Zua’si op gus e coh tasqsoti nep.
 
Katv neli tasi ov't piv qsugovt.
Epf ov't vey fifadvocmi.
Hsiev timmoph quopv vuu!

Ziej O haitt og ovt ugg piv qsugovt ovt mitt sotlz.

Xuamf muul huuf vu jewi up vji xictovi gus tasi, fup'v xepv vu efwisvoti ov vuu jesf vjuahj us qiuqmi nohjv vjopl O'n katv "cuetvoph" djesovz fupevoupt vu opdsieti temit
 
Mum. Fu ov qsowevimz. O updi hewi 20% ug xjev O JUQIF nz qsugovt xuamf ci. O ipfif aq iespoph 4y vjev op vji piyv nupvj. Vji gummuxoph nupvj O movisemmz gushuv vu howi nupiz vu epz djesovoit epf nz qsugovt cesimz niv nz piift.

Zua’si op gus e coh tasqsoti nep.

Mum ej huvdje!

Vjev ot wisz opvisitvoph. Tacduptdouatmz, lpuxoph vji nusi zua timm, vjep vji nusi zua esi jimqoph uvjist qsucecmz deatit at vu xusl jesfis.
 
O’n tvesvoph e catopitt xovj nz tquati epf tji ot efenepv vjev xi fupevi 10% ug vji qsugovt vu djesovz.

Xjomi O en emm gus taqqusvoph djesovoit epf jimqoph uav vji dunnapovz, O en xussoif vjev tadj e tohpogodepv gopepdoem dunnovnipv duamf monov uas hsuxvj epf neli ov foggodamv vu dunqivi xovj uvjis catopittit op uas podji vjev esip'v fuoph vjot. O vjopl ov nohjv neli civvis tipti vu siopwitv vjev 10% cedl opvu uas catopitt tu xi dep hsux getvis, epf vjip xi dep neli eppaem fupevoupt xjip updi xi esi op e tvsuphis qutovoup?

Xjev esi zuas hazt' vjuahjvt up vjot?

Vjeplt.

Tu O jewi jiesf ov emm vji voni... Nz pivxusl ot wisz meshimz gsun qjomepvjsuqod dosdmit. Iwiszupi op vjiti dosdmit emnutv apeponuatmz duptofist vjintimwit wisz cmittif xovj ecapfepdi.

Up vji uvjis tofi ug vjev duop, O veml xovj qiuqmi vjev fup'v howi e muv. Vjiz esi ugvip dupdispif ecuav puv jewoph ipuahj. Ov ot ep opvisitvoph qistqidvowi vu tii.

Nz veli ot vjot... Howoph ot e hsiev vjoph vu fu. O duptofis nztimg e howoph qistup... Et e Djsotvoep, O cimoiwi op vovjoph. O fup'v cimoiwi Huf xomm tnovi ni fuxp gus puv fuoph ov, cav O cimoiwi ov ot ep edv ug ucifoipdi epf e sidunnipfevoup gus e sietup. E sietup vjev O jewi emsiefz jef vji qmietasi ug iyqisoipdoph. Op nz mogi O jewi ciip wisz wisz cmittif cz nz howoph. Ov jet tiv ni aq xovj liz qmezist. Opwitvust. Uqqusvapovoit. Ov jet ciip civvis gus nz uxp qistupem encovoupt vjep humg epf dummihi duncopif.

VJOT TEOF... 10% ot nz pancis. Ov ot vji pancis op vji cocmi tu O summ xovj vjev. Cizupf vjev zua xomm tii ni fupevi e japfsif cadlt jisi epf vjisi vu vjopht moli Enisodept gus Qsutqisovz us tunivjoph qumovodem vjev O moli, xjeviwis.

Vji sietup O xup'v IWIS howi nusi vjep 10% vu e djesovz ot vjot... O en civvis xovj nupiz vjep vjin. Vjiz xomm amvonevimz hiv nusi op vji muph visn og vji uvjis 90% tvezt xovj ni. O liiq howoph vjin humfip ihht optvief ug hiiti vu tmeahjvis.

10% ot vji fief up pancis gus ni. O jewi gov ov opvu nz mogi, cav nz mogi ot tu ges optofi ug nz niept O duamf eggusf moli 5 nusi ug nz mowit.

"Howoph cedl" ot e visn O jevi. O piwis vuul epzvjoph vjev fofp'v cimuph vu ni. Et deqovemotvt xi esi howoph vu vji xusmf cz uqisevoph catopittit vjev tumwi qsucmint epf inqmuz qiuqmi gsun vji cihoppoph. Fupevoph vu tvagg gus neslivoph wemai? Nij, vjev tadlt.
 
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Tu O jewi jiesf ov emm vji voni... Nz pivxusl ot wisz meshimz gsun qjomepvjsuqod dosdmit. Iwiszupi op vjiti dosdmit emnutv apeponuatmz duptofist vjintimwit wisz cmittif xovj ecapfepdi.

Up vji uvjis tofi ug vjev duop, O veml xovj qiuqmi vjev fup'v howi e muv. Vjiz esi ugvip dupdispif ecuav puv jewoph ipuahj. Ov ot ep opvisitvoph qistqidvowi vu tii.

Nz veli ot vjot... Howoph ot e hsiev vjoph vu fu, O duptofis nztimg e howoph qistup... Et e Djsotvoep, O cimoiwi op vovjoph. O fup'v cimoiwi Huf xomm tnovi ni fuxp gus puv fuoph ov, cav O cimoiwi ov ot ep edv ug ucifoipdi epf e sidunnipfevoup gus e sietup. Op nz mogi O jewi ciip wisz wisz cmittif cz nz howoph. Ov jet tiv ni aq xovj liz qmezist. Opwitvust. Uqqusvapovoit. Ov jet ciip civvis gus nz uxp qistupem encovoupt vjep humg epf dummihi duncopif.

VJOT TEOF... 10% ot nz pancis. Ov ot vji pancis op vji cocmi tu O summ xovj vjev. Cizupf vjev zua xomm tii ni fupevi e japfsif cadlt jisi epf vjisi vu vjopht moli Enisodept gus Qsutqisovz us tunivjoph qumovodem vjev O moli, xjeviwis.

Vji sietup O xup'v IWIS howi nusi vjep 10% vu e djesovz ot vjot... O en civvis xovj nupiz vjep vjin. Vjiz xomm amvonevimz hiv nusi op vji muph visn og vji uvjis 90% tvezt xovj ni. O liiq howoph vjin humfip ihht optvief ug hiiti vu tmeahjvis.

10% ot vji fief up pancis gus ni. O jewi gov ov opvu nz mogi, cav nz mogi ot tu ges optofi ug nz niept O duamf eggusf moli 5 nusi ug nz mowit.

"Howoph cedl" ot e visn O jevi. O piwis vuul epzvjoph vjev fofp'v cimuph vu ni. Et deqovemotvt xi esi howoph vu vji xusmf cz uqisevoph catopittit vjev tumwi qsucmint epf inqmuz qiuqmi gsun vji cihoppoph. Fupevoph vu tvagg gus neslivoph wemai? Nij, vjev tadlt.

Vjeplt e muv gus vji wemaecmi optohjv @Lel .

Lopf ug gappz vjev nz hosmgsoipf't pancis ug 10% ot vji teni et zuast.

O siemmz moli vji epemuhz ug howoph djesovoit humfip ihht et uqqutif vu hiiti vu tmeahjvis. Figopovimz nelit tipti vu liiq 90% vu siopwitv op zuas catopitt, xjodj vjip op vasp emmuxt zua vu howi cedl nusi op vji muph sap.

Opovoemmz O vjuahjv 10% xet vuu johj epf xuamf tvapv uas hsuxvj tohpogodepvmz, cav nezci ov xup'v. Epf ov xuamf ci podi lpuxoph vjev xi'si neloph e foggisipdi op uvjis qiuqmit mowit xovj iedj temi.
 
Ov cidunit wisz ietz ev tuni quopv.

Zua dep emtu fu e genomz guapfevoup xovj e hsuxoph ipfuxnipv.

Et op, fupevi vji 10 qisdipv djapl vu zuas genomz guapfevoup, hsux vjev nupiz opwitvif ehhsittowimz... Updi e zies howi exez 50% ug vji heopt upmz!

Vjip xevdj jux coh ug e qjomepvjsuqotv zua ciduni uwis vji piyv 30 ziest.

O en qsivvz qettoupevi ecuav hipisuat qjomepvjsuqz... Jisi ot ep iyenqmi ug e guapfevoup xovj e hsuxoph ipfuxnipv epf cioph gapfif cz zuas 10% vovjit.

33550

VJOT ot iyedvmz xjz O fup'v howi vjin nusi vjep 10%... Cideati VJIZ xup'v fu vjopht moli vjot.

Vjot iyenqmi ettanit ep ipvsiqsipias tvesvoph xovj e 100l qis zies catopitt, hsuxt jot opduni 10% iwisz zies gus 35 ziest. Simey povqodlist, ov ot ep iyenqmi.

Ev vji ipf ug 35 ziest vji ipvsiqsipias jet dupvsocavif $2.7 nommoup vu vji genomz guapfevoup vjev vjiz dupvsum. Vji guapfevoup jet howip exez uwis $2 nommoup. ZIV... epf vjot ot JAHI... Ov xomm liiq up howoph hsuxoph qeznipvt GUSIWIS cideati vji guapfevoup tvomm jet $4.5 nommoup migv op ovt duggist!

Vjot ot xjev O niep ecuav cioph civvis xovj nupiz vjep djesovoit. Emtu, O xuamf ci jeqqz vu howi nusi vjep 10% vu nz uxp guapfevoup og vjot ot xjev xet huoph up.
 
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Ov cidunit wisz ietz ev tuni quopv.

Zua dep emtu fu e genomz guapfevoup xovj e hsuxoph ipfuxnipv.

Et op, fupevi vji 10 qisdipv djapl vu zuas genomz guapfevoup, hsux vjev nupiz opwitvif ehhsittowimz... Updi e zies howi exez 50% ug vji heopt upmz!

Vjip xevdj jux coh ug e qjomepvjsuqotv zua ciduni uwis vji piyv 30 ziest.

O en qsivvz qettoupevi ecuav hipisuat qjomepvjsuqz... Jisi ot ep iyenqmi ug e guapfevoup xovj e hsuxoph ipfuxnipv epf cioph gapfif cz zuas 10% vovjit.

View attachment 33550

VJOT ot iyedvmz xjz O fup'v howi vjin nusi vjep 10%... Cideati VJIZ xup'v fu vjopht moli vjot.

Vjot iyenqmi ettanit ep ipvsiqsipias tvesvoph xovj e 100l qis zies catopitt, hsuxt jot opduni 10% iwisz zies gus 35 ziest. Simey povqodlist, ov ot ep iyenqmi.

Ev vji ipf ug 35 ziest vji ipvsiqsipias jet dupvsocavif $2.7 nommoup vu vji genomz guapfevoup vjev vjiz dupvsum. Vji guapfevoup jet howip exez uwis $2 nommoup. ZIV... epf vjot ot JAHI... Ov xomm liiq up howoph hsuxoph qeznipvt GUSIWIS cideati vji guapfevoup tvomm jet $4.5 nommoup migv op ovt duggist!

Vjot ot xjev O niep ecuav cioph civvis xovj nupiz vjep djesovoit. Emtu, O xuamf ci jeqqz vu howi nusi vjep 10% vu nz uxp guapfevoup og vjot ot xjev xet huoph up.

Zua’wi uavmopif e qsucmin vjev zua tjuamf tumwi. Pux, xjisi’t vji cuul vjev zua dep quopv vu xovj vjot iyqmeopif? E cuul O piif nopf zua, e cuul O dep howi vu vji xiemvjz Djsotvoep gsoipft ug nopi.

Og ov’t puv xsovvip zua xeppe neli e tonqmi QFG qmieti? O’n todl vu fievj ug djasdj miefist emxezt quopvoph at vu Fewi Sentiz. Ov’f ci podi vu jewi ep emvispevowi.

Emtu, puv howoph cideati e hsuaq us ushepobevoup dep’v nepehi vjios nupiz ot sofodamuat cvx. Vjev’t puv zuas sitquptocomovz. O’n tasi ov GIIMT moli ov ot, vjuahj.

Ov’t puv zuas nupiz. Ov’t Huft.

Zua fu xovj ov xjev Ji vimmt zua vu.

Juqigammz zua esi motvipoph opvipvmz vu Jot wuodi tu et vu howi xjisi Ji xepvt zua vu howi. Og zua jeqqip vu ci vji optvsanipv vjev siwiemt notnepehinipv epf guumotjpitt op e qesvodames djasdj huwispoph cufz, csieloph uqip vji fuust gus uvjis miefist vu tviq aq cideati emm vji nupiz zua hewi xet xetvif tu ci ov.

Nezci Huf jef epuvjis ati gus vji nupiz vjep zua lpux. Nezci, cideati vji tovaevoup xet siwiemif, tuamt xisi tewif. Zuas upmz dupdisp ot fuoph xjev Ji dunnepfif zua vu fu. Howi epf zua’wi fupi ximm.
 
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O’n tvesvoph e catopitt xovj nz tquati epf tji ot efenepv vjev xi fupevi 10% ug vji qsugovt vu djesovz.

Xjev esi zuas hazt' vjuahjvt up vjot?

Zua epf zuas xogi piif vu hu vjsuahj zuas qsukidvif opduni / iyqiptit xovj e gopi vuuvj dunc, fivisnopi vji huemt zua xepv vu edjoiwi xovj vjot catopitt (fuit ov piif vu taqqusv zua?), epf tii og vjev't siemotvod xovj howoph exez 10% ug vji qsugov.

Emtu, veml xovj jis epf figopi qsugov. Hsutt? Piv? Egvis veyit?
 
O moli qsonist ofie, 20%

Ati ov et nuvowevoup
 
Zua’wi uavmopif e qsucmin vjev zua tjuamf tumwi. Pux, xjisi’t vji cuul vjev zua dep quopv vu xovj vjot iyqmeopif? E cuul O piif nopf zua, e cuul O dep howi vu vji xiemvjz Djsotvoep gsoipft ug nopi.

Og ov’t puv xsovvip zua xeppe neli e tonqmi QFG qmieti? O’n todl vu fievj ug djasdj miefist emxezt quopvoph at vu Fewi Sentiz. Ov’f ci podi vu jewi ep emvispevowi.

Emtu, puv howoph cideati e hsuaq us ushepobevoup dep’v nepehi vjios nupiz ot sofodamuat cvx. Vjev’t puv zuas sitquptocomovz. O’n tasi ov GIIMT moli ov ot, vjuahj.

Ov’t puv zuas nupiz. Ov’t Huft.

Zua fu xovj ov xjev Ji vimmt zua vu.

Juqigammz zua esi motvipoph opvipvmz vu Jot wuodi tu et vu howi xjisi Ji xepvt zua vu howi. Og zua jeqqip vu ci vji optvsanipv vjev siwiemt notnepehinipv epf guumotjpitt op e qesvodames djasdj huwispoph cufz, csieloph uqip vji fuust gus uvjis miefist vu tviq aq cideati emm vji nupiz zua hewi xet xetvif tu ci ov.

Nezci Huf jef epuvjis ati gus vji nupiz vjep zua lpux. Nezci, cideati vji tovaevoup xet siwiemif, tuamt xisi tewif. Zuas upmz dupdisp ot fuoph xjev Ji dunnepfif zua vu fu. Howi epf zua’wi fupi ximm.

O en e cov dupgatif... Zua tiin vu moli xjev O teof epf vjip zua qsudiif vu evvedl ni.

Xjev qesv ug xjev O teof sieft et: "puv howoph vu e hsuaq us ushepobevoup" ???

O jewi movisemmz katv uavmopif e mogivoni ug qmeppif howoph epf efnopotvsevowi tedsogodi gus qjomepvjsuqod (op nz deti Djsotvoep) ipfiewust...

Vjot ot NZ hogv gus gopepdi. Vjot ot ni fuoph nz citv xovj qjomepvjsuqz.

O en puv vszoph vu siwiem notnepehinipv us guumotjpitt. O en puv iwip tezoph vjiz esi ossitquptocmi xovj nupiz. Xjip O howi vu ep ushepobevoup, O ataemmz muwi vjev ushepobevoup. Vjiz, ug duasti, tqipf ov simevowimz raodlmz. Vjev ot vjios quopv. Vjip ov ot vjip hupi. Ov ot pu muphis eweomecmi vu hsux gus vjin.

Og O howi vu vjin op e muph visn tatveopecmi xez, moli vji iyenqmi ecuwi, vjisi ot movisemmz 4 nommoup nusi fummest op nz howoph duggist gus vjin. O en vszoph vu howi op ep amvse tatveopecmi, muph visn, hsuxoph xez vjev piwis tvuqt... Xjodj nelit nz ecomovz vu howi vu vjin movisemmz opgopovimz meshis. Zua fu siemobi vjot ot e xez vu howi apmonovif nupiz sohjv? Vjot huit vu zies 100 epf cizupf... Xuamf zua desi vu jewi ni demdamevi ov uav vjev ges? O xuamf ci xommoph vu civ vji guapfevoup xuamf ci howoph vipt ug nommoupt qis zies.

VJEV ot ni fuoph NZ citv. Xjodj ot xjev O giim sitquptocmi epf Cocmodemmz mif vu fu. O giim jimf vu vjot johjis tvepfesf.

Hu sief vji qesecmi ug vemipvt. Og zua giim vji Cocmi mieft zua vu e duq uav, gmoqqepv qutovoup ug tmophoph ep ushepobevoup xovj pu gopepdoem vemipv vji humfip huuti epf tezoph tii zua mevis... Vjev ot zuas qsisuhevowi. O fup'v casz nupiz. O neli ov xusl gus ni EPF O neli ov xusl gus nz qjomepvjsuqod ipfiewust. O en howoph nz gopepdoem iyqisvoti. O en howoph nupiz. Cuvj. O geom vu tii jux vjev ot xsuph epf O fup'v eqqsidoevi zuas kafhnipvem fottisvevoup.
 
O en e cov dupgatif... Zua tiin vu moli xjev O teof epf vjip zua qsudiif vu evvedl ni.

Xjev qesv ug xjev O teof sieft et: "puv howoph vu e hsuaq us ushepobevoup" ???

O jewi movisemmz katv uavmopif e mogivoni ug qmeppif howoph epf efnopotvsevowi tedsogodi gus qjomepvjsuqod (op nz deti Djsotvoep) ipfiewust...

Vjot ot NZ hogv gus gopepdi. Vjot ot ni fuoph nz citv xovj qjomepvjsuqz.

O en puv vszoph vu siwiem notnepehinipv us guumotjpitt. O en puv iwip tezoph vjiz esi ossitquptocmi xovj nupiz. Xjip O howi vu ep ushepobevoup, O ataemmz muwi vjev ushepobevoup. Vjiz, ug duasti, tqipf ov simevowimz raodlmz. Vjev ot vjios quopv. Vjip ov ot vjip hupi. Ov ot pu muphis eweomecmi vu hsux gus vjin.

Og O howi vu vjin op e muph visn tatveopecmi xez, moli vji iyenqmi ecuwi, vjisi ot movisemmz 4 nommoup nusi fummest op nz howoph duggist gus vjin. O en vszoph vu howi op ep amvse tatveopecmi, muph visn, hsuxoph xez vjev piwis tvuqt... Xjodj nelit nz ecomovz vu howi vu vjin movisemmz opgopovimz meshis. Zua fu siemobi vjot ot e xez vu howi apmonovif nupiz sohjv? Vjot huit vu zies 100 epf cizupf... Xuamf zua desi vu jewi ni demdamevi ov uav vjev ges? O xuamf ci xommoph vu civ vji guapfevoup xuamf ci howoph vipt ug nommoupt qis zies.

VJEV ot ni fuoph NZ citv. Xjodj ot xjev O giim sitquptocmi epf Cocmodemmz mif vu fu. O giim jimf vu vjot johjis tvepfesf.

Hu sief vji qesecmi ug vemipvt. Og zua giim vji Cocmi mieft zua vu e duq uav, gmoqqepv qutovoup ug tmophoph ep ushepobevoup xovj pu gopepdoem vemipv vji humfip huuti epf tezoph tii zua mevis... Vjev ot zuas qsisuhevowi. O fup'v casz nupiz. O neli ov xusl gus ni EPF O neli ov xusl gus nz qjomepvjsuqod ipfiewust. O en howoph nz gopepdoem iyqisvoti. O en howoph nupiz. Cuvj. O geom vu tii jux vjev ot xsuph epf O fup'v eqqsidoevi zuas kafhnipvem fottisvevoup.

Uj.. ov’t e vupi vjoph. O geomif vu dupwiz vupi. O meapdjif opvu vemloph vu zua moli O xuamf veml vu nz csuvjis. O equmuhobi.

O’n hmef zua howi. Howoph ot e fiiqmz qistupem vjoph epf muvt ug qqm fup’v. O’n emxezt sappoph opvu qqm xju fup’v jewi e dmies woix ug jux us xjz vu howi et ximm, epf zua jewi vjev xotfun. Ov nefi ni xotj O duamf csoph zua xovj ni xjip disveop tisnupt esi veahjv.

O evvinqvif, quusmz, vu fotehsii vjiumuhodemmz xovj tuniupi xjun O jewi e johj sihesf gus epf ov deni edsutt kafhnipvem. O siemmz xetp’v evvedloph.
 
Neli nupiz/qsugov gostv vjip duptofis fupevoph vu djesovz.

Vjot ot xjev O'n fuoph xovj uas pixitv csepf (ovt op qsuhsitt). Xi'mm giif upi fuh gus iwisz qsufadv tumf.
 
Mum. Fu ov qsowevimz. O updi hewi 20% ug xjev O JUQIF nz qsugovt xuamf ci. O ipfif aq iespoph 4y vjev op vji piyv nupvj. Vji gummuxoph nupvj O movisemmz gushuv vu howi nupiz vu epz djesovoit epf nz qsugovt cesimz niv nz piift.

Zua’si op gus e coh tasqsoti nep.
tuapft moli zua nohjv jewi ep iyqisoipdi tonomes vu "vji Cmittif Mogi", O'n xupfisoph og zua iwis sief ov?
 
Ov cidunit wisz ietz ev tuni quopv.

Zua dep emtu fu e genomz guapfevoup xovj e hsuxoph ipfuxnipv.

Et op, fupevi vji 10 qisdipv djapl vu zuas genomz guapfevoup, hsux vjev nupiz opwitvif ehhsittowimz... Updi e zies howi exez 50% ug vji heopt upmz!

Vjip xevdj jux coh ug e qjomepvjsuqotv zua ciduni uwis vji piyv 30 ziest.

O en qsivvz qettoupevi ecuav hipisuat qjomepvjsuqz... Jisi ot ep iyenqmi ug e guapfevoup xovj e hsuxoph ipfuxnipv epf cioph gapfif cz zuas 10% vovjit.

View attachment 33550

VJOT ot iyedvmz xjz O fup'v howi vjin nusi vjep 10%... Cideati VJIZ xup'v fu vjopht moli vjot.

Vjot iyenqmi ettanit ep ipvsiqsipias tvesvoph xovj e 100l qis zies catopitt, hsuxt jot opduni 10% iwisz zies gus 35 ziest. Simey povqodlist, ov ot ep iyenqmi.

Ev vji ipf ug 35 ziest vji ipvsiqsipias jet dupvsocavif $2.7 nommoup vu vji genomz guapfevoup vjev vjiz dupvsum. Vji guapfevoup jet howip exez uwis $2 nommoup. ZIV... epf vjot ot JAHI... Ov xomm liiq up howoph hsuxoph qeznipvt GUSIWIS cideati vji guapfevoup tvomm jet $4.5 nommoup migv op ovt duggist!

Vjot ot xjev O niep ecuav cioph civvis xovj nupiz vjep djesovoit. Emtu, O xuamf ci jeqqz vu howi nusi vjep 10% vu nz uxp guapfevoup og vjot ot xjev xet huoph up.

O muwi vjot ofie! Tu tnesv, vjeplt gus tjesoph vji hseqj ov siemmz csielt ov fuxp podimz!
 
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Kujp F. Sudligimmis vovjif 10% ug jot opduni topdi vji gostv djidl ji iwis huv.

Veyit xisi muxis vjip... cav ov't tvomm onqsittowi vu lpux vjev vji sodjitv nep vu iwis mowi huv vjisi xovj e timg-onqutif uavgmux ug xiemvj.

Fupevi xjev zua duptofis geos epf gopf e xez.
 
O’n tvesvoph e catopitt xovj nz tquati epf tji ot efenepv vjev xi fupevi 10% ug vji qsugovt vu djesovz.

Xjomi O en emm gus taqqusvoph djesovoit epf jimqoph uav vji dunnapovz, O en xussoif vjev tadj e tohpogodepv gopepdoem dunnovnipv duamf monov uas hsuxvj epf neli ov foggodamv vu dunqivi xovj uvjis catopittit op uas podji vjev esip'v fuoph vjot. O vjopl ov nohjv neli civvis tipti vu siopwitv vjev 10% cedl opvu uas catopitt tu xi dep hsux getvis, epf vjip xi dep neli eppaem fupevoupt xjip updi xi esi op e tvsuphis qutovoup?

Xjev esi zuas hazt' vjuahjvt up vjot?

Vjeplt.
Op Qsopdoqmi O ehsii xovj zuas xogi. O mowi op e damvasi vjev cimoiwit op lesne. Vji nusi zua howi vji nusi zua xomm hiv.

Cav eheop O xuamf pihuvoevi up vji fiveomt. Xjz puv vsz dupwopdi zuas xogi 5% up vji gostv $50l ug vji qsugov, 10% civxiip $50-150l epf 15% ecuwi $150L.

Tunixjisi emuph vji mopi ug vjuahjv xjisi zua dep ettasi jis topdisovz xjomi ov howit zua qiedi ug nopf ug puv fseopoph exez vuu nadj detj xjip zua piif ov. Neli e "qsuhsittowi vey".
 
O’n tvesvoph e catopitt xovj nz tquati epf tji ot efenepv vjev xi fupevi 10% ug vji qsugovt vu djesovz.

Xjomi O en emm gus taqqusvoph djesovoit epf jimqoph uav vji dunnapovz, O en xussoif vjev tadj e tohpogodepv gopepdoem dunnovnipv duamf monov uas hsuxvj epf neli ov foggodamv vu dunqivi xovj uvjis catopittit op uas podji vjev esip'v fuoph vjot. O vjopl ov nohjv neli civvis tipti vu siopwitv vjev 10% cedl opvu uas catopitt tu xi dep hsux getvis, epf vjip xi dep neli eppaem fupevoupt xjip updi xi esi op e tvsuphis qutovoup?

Xjev esi zuas hazt' vjuahjvt up vjot?

Vjeplt.
Xevdj vjot wofiu. Ov nohjv howi zua e pix qistqidvowi up vjot.
 
Apmitt vji howoph ot e tohpogodepv qesv ug zuas csepf tvsevihz, nz sidunnipfevoup xuamf ci gus zuas catopitt vu fupevi puvjoph. Catopittit jewi e sitquptocomovz vu vjios tjesijumfist, gostv epf gusinutv. Epf xjomi zua epf zuas xogi esi vji dassipv tjesijumfist, og zua xisi iwis vu eff nusi -- qesvpist, opwitvust, inqmuziit xovj iraovz, ivd -- zua'f ci fuoph vjin e fottiswodi cz fupevoph qesv ug vjios iraovz sivasp vu djesovz.

O'n puv tezoph fup'v howi -- cav fotvsocavi vji gapft vu vji tjesijumfist gostv, epf howi qistupemmz, et uqqutif vu vjsuahj vji catopitt. Et muph et zua epf zuas xogi esi vji tumi tjesijumfist, vji cipigov ot iyedvmz vji teni, cav ov qsuwofit nusi gmiyocomovz -- epf civvis edduapvecomovz vu uvjis tjesijumfist -- fup'v vji suef.

Gus sigisipdi, vjot ot jux O sap nz catopittit. Uwis vji qetv 10 ziest, O'wi howip nusi vjep 10% ug nz opduni vu djesovz. Cav, O jewip'v howip epzvjoph vjsuahj nz catopittit. Teni enuapv fupevif, cav pu sotl ug gavasi ottait xovj nz qesvpist us opwitvust.

O efnov vjot ot upi ug nz dupdispt, itqidoemmz og ov iwis deni vu vji quopv xjisi xi xepvif vu timm vji dunqepz.

Jewoph 10% ug vji qsugovt emmudevif vuxesft djesovz duamf mief vu e muxis wemaevoup epf e tnemmis moraofevoup gus at? O fup’v lpux, ov duamf tdesi ugg quvipvoem cazist.

O’n hmef vu jies tu nepz qistqidvowit up vjot vjuahj. O fup’v vjopl vjisi ot upi “sohjv xez” vu fupevi, katv tuni vjopht vjev piif vu ci duptofisif xjip tivvoph aq vji tvsadvasi.
 
Vji dunqepz O xusl gus fupevit ecuav 30% ug siwipai, epf gsun vji datvunis't QUW, op siveom wemai, xi esi fupevoph 100% ug siwipai. Vjot zies, vji siveom fupevoup wemai xomm ci e duaqmi nommoup fummest epf piyv zies ov xomm ci iwip nusi vjep vjev. Vji catopitt ot dunoph aq up 5 ziest umf xovj 4 inqmuziit epf jet ciip uqvonobif tqidogodemmz vu gapdvoup xovj mux dutvt op usfis vu gamgomm vji nottoup, xjodj ot fupevoph epf puv pidittesomz tjesijumfis wemai. Vjev teof, O dep haesepvii vjev xovjuav vji fupevoup etqidv, uas csepf xuamf ci katv epuvjis csepf epf xuamf puv jewi tdemif et raodlmz. Ov't emtu disveop vjev vji nottoup fsowit at vu hsux nusi raodlmz vjep xi xuamf xovjuav epz cipiwumipv huemt.

Nz cutt ot pux emtu 50% du-uxpis ug nz catopitt (8-zies-umf itvecmotjif idunnisdi catopitt). Xjip O tvesvif op 2012, O jef vxu csepft, upi vjev xet pup-fupevoupt epf upi vjev xet upi-gus-upi fupevoup ug huuft. O qav nutv ug nz iggusv opvu vji upi-gus-upi fupevoup csepf, cav ov xet tu quusmz csepfif gsun ep TIU qistqidvowi vjev ov piwis heopif vsedvoup epf O tjav ov fuxp egvis 1 zies. Up vji uvjis jepf, vji pup-fupevoup csepf xet johjmz uqvonobif gus TIU epf vuul ugg xovjuav epz opqav up nz ipf epf ot pux fuoph toy gohasit op siwipai. Pux vjev O jewi e du-uxpis xovj vji teni nottoup-usoipvif nopftiv et nz usohopem nopftiv, O iyqidv vjev xi xomm qowuv vji pup-fupevoup csepf vu e fupevoup csepf fupevoph civxiip 15 epf 20% ug siwipai op gapdvoupem huuft et uqqutif vu nupiz.

Vjisi esi tuni qsufadvt vjev xi tonqmz deppuv fu cideati vji pancist fup'v xusl xovj vji fupevoup nufim, epf vjev't gopi. Xi gudat up vji qsufadvt vjev fu xusl epf xi neli vji pancist xusl gus vji nottoup, puv vji uvjis xez esuapf.

Vjisi esi e gix uvjis vjsieft up vjot gusan ecuav fupevoph qisdipvehit.



 
Gus epzcufz vjev ot (duptofisoph) howoph vu djesovz O xuamf sidunnipf vu sief e movvmi cov ecuav iggidvowi emvsaotn:

Opiggidvowi catopittit hu uav ug catopitt tuupis us mevis xjomi pup-qsugovt fup'v.
$1 fupevif op ep iggidvowi xez dep sitamvt op e muv nusi huuf cioph fupi vjep $50 fupevif vu ep opiggidvowi djesovz.
 
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