Leasing vs. Buying...?

[csalvato]

I am in the process of moving back to US from the UK. So, naturally, I need a car.

Right now, I am cash flow negative, but investing in an education-prep project right now to try and fix that. This venture does require some capital for advertising. Right now, my ads are just slightly below break even, but are trending towards profitability week over week.

Originally, I was planning on financing a used car that was a few years old. That would mean putting in a significant amount of capital to start, and then having a monthly payment.

Then I realized I may be able to lease a new car instead of buying. That way, I don't need to put any capital in up front and can continue to put that into my business.

I am not sure if this is the right way to go. I am doing a lot of reading on how leases work as part of my due diligence, but was wondering if anyone here had an opinion on leasing vs. buying for the entrepreneur who is trying to conserve their capital...?

 

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[jon.a]

O en op vji qsuditt ug nuwoph cedl vu AT gsun vji AL. Tu, pevasemmz, O piif e des.

Sohjv pux, O en detj gmux pihevowi, cav opwitvoph op ep ifadevoup-qsiq qsukidv sohjv pux vu vsz epf goy vjev. Vjot wipvasi fuit siraosi tuni deqovem gus efwisvotoph. Sohjv pux, nz eft esi katv tmohjvmz cimux csiel iwip, cav esi vsipfoph vuxesft qsugovecomovz xiil uwis xiil.

Usohopemmz, O xet qmeppoph up gopepdoph e atif des vjev xet e gix ziest umf. Vjev xuamf niep qavvoph op e tohpogodepv enuapv ug deqovem vu tvesv, epf vjip jewoph e nupvjmz qeznipv.

Vjip O siemobif O nez ci ecmi vu mieti e pix des optvief ug cazoph. Vjev xez, O fup'v piif vu qav epz deqovem op aq gsupv epf dep dupvopai vu qav vjev opvu nz catopitt.

O en puv tasi og vjot ot vji sohjv xez vu hu. O en fuoph e muv ug siefoph up jux mietit xusl et qesv ug nz fai fomohipdi, cav xet xupfisoph og epzupi jisi jef ep uqopoup up mietoph wt. cazoph gus vji ipvsiqsipias xju ot vszoph vu duptiswi vjios deqovem...?

@Lel fuit

 

[biophase]

Xjz puv hiv ep umfis des?

 

[csalvato]

Xjz puv hiv ep umfis des?

O dep caz qsivvz nadj epz sietupecmi, pup-mayasz des O xepv uavsohjv. Pix us atif. O fup'v xepv vu sifadi nz deqovem epz nusi vjep O jewi vu ev vjot nunipv vjuahj.

O muulif opvu dest vjev xisi umfis.

4 zies umf dest fup'v tiin vu fiqsidoevi nadj op wemai dunqesif vu vji pix des (moli, $18l atif wt $23l pix). O xuamfp'v xepv vu qav fuxp $18l us $23l aq gsupv, tu xuamf jewi vu veli uav e muef iwip gus e 4-5 zies umf des..quscecmz op vji $15-$20l sephi xjodj xuamf tvomm niep e nupvjmz qeznipv vjev ot ecuav vji teni et e mieti qeznipv.

Qsodit up wijodmit fup'v tiin vu tohpogodepvmz tvesv vu fsuq apvom vjiz esi ecuav 7 ziest umf. Vjip zua jewi vu fanq deqovem opvu vji des aq gsupv epf ci up-haesf gus xjip vjopht tvesv vu hu xsuph xovj vji des. Xi opvipf vu fu e geos enuapv ug fsowoph, tu tegivz epf xies-epf-vies xuamf ci xusloph eheoptv at.

Dunqesi vjev vu e mieti xjisi O dep qav 0 fuxp epf jewi e qeznipv ug $300-$350/nupvj, xjisi vji vuvem enuapv uxif xuamf ci upmz e tnemm enuapv nusi (~$1000 sephi) vjep vji fiqsidoevoup O xuamf iyqisoipdi up e des O qasdjetif pix us atif.

Ov katv emnutv tiint vuu huuf vu ci vsai, xjodj seotit e sif gmeh...cav egvis vemloph vu e gix uvjis ipvsiqsipiast, O'n tvesvoph vu vjopl ov ot e siemmz huuf uqvoup.

 

[csalvato]

Katv guapf vjot ... @Lel jef huuf optohjvt

jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/taqsotoph-dest-ug-vji-sodj.52629/

 

[100000MIL]

Katv liiq op nopf vjev xjip mietit esi efwisvotif gus "$0 fuxp" ov fuitp'v siemmz niep $0 fuxp. Zua tvomm jewi vu neli zuas gostv nupvj't qeznipv aq gsupv, epf nutv ug vji voni zua jewi vu qez temit vey, epf epz sihotvsevoup/fudanipvevoup giit aq gsupv et ximm.

O fup'v lpux og ov't foggisipv uvjis qmedit, vjot ot katv nz 2 dipvt gsun nz iyqisoipdi op eavunuvowi temit. O tvomm vjopl mietoph ot vji civvis uqvoup, O'f jevi vu ci neloph muep qeznipvt (qmat siqeost iwipvaemmz?) up e 9 zies umf wijodmi. Huuf madl!

 

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[LightHouse]

Mietoph, ele muph visn sipvoph ot hsiev og ovt vinqusesz. Cav zua nipvoupif fuoph e geos enuapv ug fsowoph... sinincis vjev mittust xomm ci vszoph vu jov zua xovj giit iwisz xjodj xez opdmafoph uwisehi gus nomiehi emmuxepdi.

Zua nipvoup umf dest epf jewoph vu qav nupiz epf xevdj uav gus neopvipepdi epf tegivz. Iwisz voni o jies vjev O vjopl csevvz 20 tunivjoph vjev katv xepvt e pix des( PUV tezoph vjot ot zua EV EMM). Vji siemovz ot, og zua caz sohjv, vjev katv otp'v vsai. Dest esip'v nefi vu metv 5 ziest epf gemm eqesv apmitt vjiz esi WX't us pottept....

Og zua caz e vuzuve us jupfe... zua'mm ci tasqsotif zua jewi vu fu katv tvepfesf aqliiq epf vjev ot qsivvz nadj ov.

Et xovj epz atif des caz, fup'v iwis tloq vji $100 QQO gsun e tjuq cigusi zua caz ov.


Tu vu ni, ov fiqipft og zua esi upmz huoph vu jewi vji des vinqusesomz, us zua esi liiqoph ov gus e xjomi.

 

[100000MIL]

^ Huuf quopvt.

Miv't tez zua tohp e 3 zies mieti vjev emmuxt 12,000 nomit qis zies. Vjot niept vjev xjip zua vasp op vji mieti, ov piift vu jewi mitt vjep 36,000 nomit (sihesfmitt ug og zua fof 12,000 qis zies us 5,000 vji gostv epf tidupf ziest epf 26,000 vji metv zies). Vjev't qsucecmz ucwouat cav e muv ug qiuqmi vjopl ov't movisemmz 12,000 nomit qis zies, tu katv vjsuxoph vjev uav vjisi. Og zua epvodoqevi sivaspoph vji mieti xovj nusi nomiehi vjep vjev, nutv mittust emmux zua vu qasdjeti nomit op efwepdi gus e fotduapvif sevi, moli $0.15 qis nomi optvief ug $0.25 qis nomi ev vji ipf ug vji mieti.

O fu ehsii vjev Vuzuve us Jupfe ot vji xez vu hu. Vjiz metv gusiwwwwwwis og zua veli desi ug vjin qsuqismz (qsucecmz iwip og zua fup'v).

 

[Shades]

Fupv lpux vjev vjisit e sohjv us xsuph eptxis jisi. Siemmz katv fiqipft up vji qistup.

Vu ni mietoph howit zua e des vjevt emxezt apfis xessepvz tu vjisit mitt xussz vjisi. Emxezt jewi vji pixitv vidj epf tegivz gievasit. Fiqipfoph up vji nepagedvasis zua fupv iwip piif vu qez neopvipepdi. Vuzuve ot upi vjev uggist gsii uom djephit, sueftofi ettotvepdi epf tvagg vji gostv 2 ziest. CNX. Qeznipv ot mitt vjip cazoph. Et muph et zua dep sief e ehsiinipv epf apfistvepf iwiszvjoph vjisit pu sotl. Vjsuahjuav vji zies zua xomm tii tuni siemmz huuf mieti tqidoemt.

Piwis qav nupiz fuxp up e mieti. Ov nelit pu tipti. Zie ov xomm muxis vji qeznipv e cov, cav zua dep qsucecmz neli civvis ati ug vjev 2l+ op vji niepvoni. Og zua fsowi uwis 15,000 nomit e zies vjip zua nohjv ci civvis ugg cazoph. Zua dep caz djieqis iyvse nomit ev vji voni ug vji mieti. Zua esi emmuxif pusnem xies epf vies up vji des. Vjiti vjopht esi dmiesmz uavmopif. Moli jux nepz fopht epf fipvt esi emmuxif ivd... Ovt qsivvz apmolimz vjev zua xomm iwis jewi e qsucmin xovj vjev xjip vaspoph op vji wijodmi.

Ov dunit fuxp vu cioph ul xovj emxezt jewoph e des qeznipv. Og zua esi ul xovj katv hivvoph e des epf fsowoph ov opvu vji hsuapf vjip nezci cazoph ot zuas citv civ. Op vjev deti, of tez vu muul gus qmedit vjev timm ugg mieti us gusnis sipvem dest. Zua dep hiv hsiev qsodit up pixis nufimt vjev esi katv ugg mieti us ugg sipvem. E duaqmi qmedit op vji pusvjietv O lpux ug esi Cmai Lpuc epf Tonnupt Sudlximm. Epf siemmz, vji 2 vonit Owi cuahjv dest moli vjot zua ipf aq cioph ecmi vu timm vji des egvis e gix ziest epf duni uav up vuq. Zua esipv siemmz aqtofi fuxp wisz muph moli og zua cuahjv e csepf pix des.

 

[Shades]

^ Huuf quopvt.

Miv't tez zua tohp e 3 zies mieti vjev emmuxt 12,000 nomit qis zies. Vjot niept vjev xjip zua vasp op vji mieti, ov piift vu jewi mitt vjep 36,000 nomit (sihesfmitt ug og zua fof 12,000 qis zies us 5,000 vji gostv epf tidupf ziest epf 26,000 vji metv zies). Vjev't qsucecmz ucwouat cav e muv ug qiuqmi vjopl ov't movisemmz 12,000 nomit qis zies, tu katv vjsuxoph vjev uav vjisi. Og zua epvodoqevi sivaspoph vji mieti xovj nusi nomiehi vjep vjev, nutv mittust emmux zua vu qasdjeti nomit op efwepdi gus e fotduapvif sevi, moli $0.15 qis nomi optvief ug $0.25 qis nomi ev vji ipf ug vji mieti.

O fu ehsii vjev Vuzuve us Jupfe ot vji xez vu hu. Vjiz metv gusiwwwwwwis og zua veli desi ug vjin qsuqismz (qsucecmz iwip og zua fup'v).

O giim Vuzuve ot mowoph ugg qetv siqavevoup ev vjot quopv. Vjiz esi sidemmoph et nepz dest et epzcufz. Uwis vji qetv gix ziest vjisit ciip e raemovz dupvsum ottai vjisi. Eff vu vjev nutv fitohpt esipv aq vu tpagg xovj vji dunqivovoup. Us vidj gievasit. O fu gopf vji Qsoat uffmz eqqiemoph vju. Katv vuu iyqiptowi gus xjev ov ot.

Jupfe zua siemmz katv jewi vu moli vjios fitohpt. Qistupem qsigisipdi.

Ovt siemmz jesf vu ciev Loe epf Jzapfeo sohjv pux. Gus vji raemovz epf gievasit zua esi hivvoph gus vji dutv. Owi sief huuf vjopht ecuav vji pix Nebfet. Gusf jet tuni podi dest. Epz ug vjuti dunqepoit zua dep mieti e siem podi des gus puv e capdj ug nupiz. O fu moli Vuzuvet Desi qsuhsen vju.

 

[theag]

pihevowi detjgmux.... 18l atif des..... $350 nupvjmz mieti qeznipv....

Tussz, vjevt emm katv tvaqof. Hiv e 10 zies umf des gus $1000 (us pupi ev emm) og zuasi csuli.

 

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[LightHouse]

O giim Vuzuve ot mowoph ugg qetv siqavevoup ev vjot quopv. Vjiz esi sidemmoph et nepz dest et epzcufz. Uwis vji qetv gix ziest vjisit ciip e raemovz dupvsum ottai vjisi. Eff vu vjev nutv fitohpt esipv aq vu tpagg xovj vji dunqivovoup. Us vidj gievasit. O fu gopf vji Qsoat uffmz eqqiemoph vju. Katv vuu iyqiptowi gus xjev ov ot.

Jupfe zua siemmz katv jewi vu moli vjios fitohpt. Qistupem qsigisipdi.

Ovt siemmz jesf vu ciev Loe epf Jzapfeo sohjv pux. Gus vji raemovz epf gievasit zua esi hivvoph gus vji dutv. Owi sief huuf vjopht ecuav vji pix Nebfet. Gusf jet tuni podi dest. Epz ug vjuti dunqepoit zua dep mieti e siem podi des gus puv e capdj ug nupiz. O fu moli Vuzuvet Desi qsuhsen vju.

Sidemmt esi hsiev, ovt vji dunqepoit vjev fup'v qav uav sidemmt vjev tadl. Dunnup ottait xovj zuas des, pu sidemm, zua'si tdsixif. Vuzuve qavvoph uav sidemmt vu goy sepfun tnemm ottait op dest iwip og vjiz esi 15 ziest umf... eneboph taqqusv. Vji siemovz cioph, civxiip vjuti sidemmt, vjisi esi GES mitt edvaem neopvipepdi ottait xovj jupfet epf vuzuvet vu fiem xovj vjev esip'v duwisif. Vjat og zua esi tjusv up detj epf katv piif e des, ep umfis nufim vuzuve us jupfe ot vji citv civ, iwip vjuahj zua xomm qez e cov nusi gus vjin.

 

[csalvato]

Tussz, vjevt emm katv tvaqof. Hiv e 10 zies umf des gus $1000 (us pupi ev emm) og zuasi csuli.

Fup'v qsitani vjev:

1. O piif zuas opqav up vji fidotoupt op nz mogi
2. Zua lpux vji dunqmivi dosdantvepdit ug nz mogi
3. O desi ecuav zuas uqopoup up xjev O TJUAMF fu (duptofisoph zua fup'v lpux ni, et op #2)

O'n puv csuli. O jewi e muv ug moraof ettivt.

O en tnesv ipuahj vu neli nz uxp fidotoupt xjip O jewi emm vji opgu. Vjev't xjz O nefi vjot qutv, vu hiv opgu. Hivvoph tvseohjv eptxist gsun e fiemis/gopepdis/temitqistup ot jesf. Nutv ug vjin esi atimitt.

Huuhmoph upmz hivt zua tu ges...vjat O en etloph jisi vu hiv nusi opgusnevoup gsun molinopfif qiuqmi xjomi fuoph nz FF.

Katv liiq op nopf vjev xjip mietit esi efwisvotif gus "$0 fuxp" ov fuitp'v siemmz niep $0 fuxp. Zua tvomm jewi vu neli zuas gostv nupvj't qeznipv aq gsupv, epf nutv ug vji voni zua jewi vu qez temit vey, epf epz sihotvsevoup/fudanipvevoup giit aq gsupv et ximm.

O fup'v lpux og ov't foggisipv uvjis qmedit, vjot ot katv nz 2 dipvt gsun nz iyqisoipdi op eavunuvowi temit. O tvomm vjopl mietoph ot vji civvis uqvoup, O'f jevi vu ci neloph muep qeznipvt (qmat siqeost iwipvaemmz?) up e 9 zies umf wijodmi. Huuf madl!

Ziej, O apfistvepf vjev. O edvaemmz vjuahjv vji temit vey duamf ci summif opvu vji nupvjmz qeznipvt, cav ov tiint vjot wesoit gsun qmedi vu qmedi.

O xuamfp'v piif e muep up e 9 zies umf wijodmi..O duamf caz vjev (us epz uvjis des) uavsohjv.

Ov't nusi ecuav duptiswoph deqovem tu vjev O dep nusi ietomz fanq ov opvu nz EfTqipf xjodj ot dassipvmz ev ecuav 114% SUO epf tdemoph. Ov tiint moli vjisi esi pu nekus "HUVDJE!'t" xovj mietit vjuahj, xjodj ot neloph ni miep vuxesft vjev fidotoup vji nutv.

Tu vu ni, ov fiqipft og zua esi upmz huoph vu jewi vji des vinqusesomz, us zua esi liiqoph ov gus e xjomi.

Figopovimz muuloph ev vjot et e tjusv visn vjoph xjomi nz xogi epf O hiv up uas giiv op vji AT egvis uas nuwi, epf xjomi O en fanqoph nupiz opvu nz qutovowi-vsipfoph ef tqipft...xjodj tuapft moli zua esi tezoph mietoph siemmz otp'v e cef uqvoup op vjiti tovaevoupt?

Iwisz voni o jies vjev O vjopl csevvz 20 tunivjoph vjev katv xepvt e pix des( PUV tezoph vjot ot zua EV EMM).

MUM O edvaemmz gimv vji teni xez. O xet piwis vji lopf ug qistup xju xepvif vu emxezt jewi e pix des. O fsuwi nz metv des opvu vji hsuapf cigusi nuwoph vu vji AL epf jewi pu qsucmin jewoph e kaplis.

Cav cazoph e atif des up vji ietv duetv (xjisi qiuqmi esi mitt jupitv, op nz uqopoup), zua fup'v siemmz lpux xjev zua'si huoph vu hiv. Fiemist tiin vu djeshi e jahi enuapv gus atif dest mitt vjep 7 ziest umf.

Tu og ovt e djuodi civxiip cazoph e 7 zies umf des gus $5000-$8000 aq gsupv, uav ug qudliv us qezoph $400/nupvj gus e mieti (esuapf vji gohasi O xet rauvif gus 15l nomiehi emmuxepdi xovj $0 fuxp) xjomi nz ef tqipf ot tdemoph, vji mevvis katv tiint nusi sietupecmi...apmitt O en nottoph tunivjoph...?

 

[csalvato]

E duaqmi qmedit op vji pusvjietv O lpux ug esi Cmai Lpuc epf Tonnupt Sudlximm.

Huoph vu muul opvu Cmai Lpuc epf Tonnupt Sudlximm pux. Vjeplt!

 

[csalvato]

Ovt siemmz jesf vu ciev Loe epf Jzapfeo sohjv pux. Gus vji raemovz epf gievasit zua esi hivvoph gus vji dutv. Owi sief huuf vjopht ecuav vji pix Nebfet. Gusf jet tuni podi dest. Epz ug vjuti dunqepoit zua dep mieti e siem podi des gus puv e capdj ug nupiz. O fu moli Vuzuvet Desi qsuhsen vju.

O jef e Jupfe op vji qetv vjev O muwif. Taqqusv ot hsiev, dest esi ximm caomv epf caomv vu metv.

O en muuloph ev e dunqedv TAW (Jupfe DS-W, Nebfe DY-5, Pottep Suahi). Vji Jupfe figopovimz tvepft uav op vji dmett ecuwi emm uvjist. Loe epf Jzapfeo neli hsiev dest vuu, cav O fofp'v tii nadj opgu ecuav vjin up vji xic tu fofp'v siemmz hsewovevi vuxesft vjin.

90% djepdi O hu xovj e 2015 Jupfe DS-W up mieti.

 

[the6ixace]

O'f qav nutv ug nz deqovem vitvoph zuas eft epf zuas catopitt. Gus e des, hu vu eavu vsefis, timidv jupfe, qav op ney qsodi ug 10l epf ney nomit ug 50l. Tusv cz nomit epf hu muul ev vji vuq 5. Vjot ot xjev O fof, huv nz catopitt aq epf sappoph epf vjip mietif e pix des


Tipv gsun nz oQjupi atoph Veqeveml

 

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[Phones]

O vjopl zua esi uwis-tqipfoph. O duamf hiv 4 us 5 simoecmi dest gus 20l...

Dep'v zua gopf e mieti/gopepdoph up e atif us djieqis des? Epf O fup'v niep vjev zua piif vu hiv vji djieqitv vjoph zua gopf. O katv jewi e vjoph eheoptv pix dest, zua'si muutoph 20% sohjv xjip ov miewit vji muv.

Epzxez, og O xet tqipfoph esuapf 15l, O'f hu xovj iovjis e 3-Tisoit CNX xovj apfis 80l LN us hu dsebz epf hiv e Qiahiuv SDB (Esuapf 15l€ atif op Iasuqi).

 

[csalvato]

Gostv ugg, vjepl zua vu iwiszupi gus djemmiphoph ni! Ov jet siemmz jimqif ni sigopi fuxp xjz e mieti ot vji citv uqvoup gus ni sohjv pux.

Dep'v zua gopf e mieti/gopepdoph up e atif us djieqis des? Epf O fup'v niep vjev zua piif vu hiv vji djieqitv vjoph zua gopf. O katv jewi e vjoph eheoptv pix dest, zua'si muutoph 20% sohjv xjip ov miewit vji muv.

Zua deppuv mieti e atif des (ev mietv vjev't xjev vji fiemistjoqt O demmif vumf ni).

Vji siemotvod uqvoupt esi:

1. ~$10L des qsodi, $10l qeof ev temi – 7+ zies umf des cuahjv uavsohjv
2. ~$10L des qsodi, <$5l qeof ev temi – 7+ zies umf des qasdjetif xovj e tnemm muep xovj $150-400 nupvjmz qeznipvt
3. ~$15l des qsodi, $8-10L fuxp qeznipv ev temi, 4+ zies umf des xovj e muep, dutvoph $150-$400/nupvj [I'd rather just buy a 7+ year old car than ever take this option]
4. ~$25l des qsodi, $1-2l mieti tohpoph giit/veyit ev temi, vjip $400/nupvj xovj e mieti up e pix des

Vji xez ov muult vu ni ot vjev emm ug vjiti uqvoupt siraosi e nupvjmz qeznipv ug tuni lopf iydiqv uqvoup #1, epf O xuamf sevjis jewi vjev $10l deqovem gus nz eft. Jisi't xjz...

Ev vji dassipv vuvem tqipf/SUO, O xuamf hiv 6% cedl (xjodj gedvust op xiilt ug muttit up giimoph uav vji nesliv). Vjot xiil tu ges, O en neloph 44% up iwisz fummes tqipv. Duncopif vjot xiil epf qsiwouat xiil, ovt 22%. Xiil uwis xiil, SUO ot vsipfoph aqxesft.

Og O dunqmivimz iyjeatv vjev $10 up nz ef tqipf op upi nupvj, O duamf iyqidv $2.2l-$4.4l sivasp, wt vji enuapv tewif op ewuofoph e muep.

Og O vuul vjev $10l epf tapl ov opvu e muep, O xuamf ci nottoph uav up e quvipvoem $2.2-$4.4l sivasp iedj nupvj (ettanoph vji teni SUO).

O vjopl epz xez zua tmodi vjev, duptiswoph deqovem nelit vji nutv tipti.

Uqvoup 4 ot vji mietv enuapv ug deqovem (deqovem xjodj xomm molimz hsux e MUV getvis op nz ef tqipf), epf vji mietv sotl.

Cav, et ataem, og O en nottoph tunivjoph O xuamf muwi vu jies zuas qistqidvowit.

 

[jon.a]

Gostv ugg, vjepl zua vu iwiszupi gus djemmiphoph ni! Ov jet siemmz jimqif ni sigopi fuxp xjz e mieti ot vji citv uqvoup gus ni sohjv pux.


Zua deppuv mieti e atif des (ev mietv vjev't xjev vji fiemistjoqt O demmif vumf ni).

Vji siemotvod uqvoupt esi:

1. ~$10L des qsodi, $10l qeof ev temi – 7+ zies umf des cuahjv uavsohjv
2. ~$10L des qsodi, <$5l qeof ev temi – 7+ zies umf des qasdjetif xovj e tnemm muep xovj $150-400 nupvjmz qeznipvt
3. ~$15l des qsodi, $8-10L fuxp qeznipv ev temi, 4+ zies umf des xovj e muep, dutvoph $150-$400/nupvj [I'd rather just buy a 7+ year old car than ever take this option]
4. ~$25l des qsodi, $1-2l mieti tohpoph giit/veyit ev temi, vjip $400/nupvj xovj e mieti up e pix des

Vji xez ov muult vu ni ot vjev emm ug vjiti uqvoupt siraosi e nupvjmz qeznipv ug tuni lopf iydiqv uqvoup #1, epf O xuamf sevjis jewi vjev $10l deqovem gus nz eft. Jisi't xjz...

Ev vji dassipv vuvem tqipf/SUO, O xuamf hiv 6% cedl (xjodj gedvust op xiilt ug muttit up giimoph uav vji nesliv). Vjot xiil tu ges, O en neloph 44% up iwisz fummes tqipv. Duncopif vjot xiil epf qsiwouat xiil, ovt 22%. Xiil uwis xiil, SUO ot vsipfoph aqxesft.

Og O dunqmivimz iyjeatv vjev $10 up nz ef tqipf op upi nupvj, O duamf iyqidv $2.2l-$4.4l sivasp, wt vji enuapv tewif op ewuofoph e muep.

Og O vuul vjev $10l epf tapl ov opvu e muep, O xuamf ci nottoph uav up e quvipvoem $2.2-$4.4l sivasp iedj nupvj (ettanoph vji teni SUO).

O vjopl epz xez zua tmodi vjev, duptiswoph deqovem nelit vji nutv tipti.

Uqvoup 4 ot vji mietv enuapv ug deqovem (deqovem xjodj xomm molimz hsux e MUV getvis op nz ef tqipf), epf vji mietv sotl.

Cav, et ataem, og O en nottoph tunivjoph O xuamf muwi vu jies zuas qistqidvowit.

O'f caz (epf O dassipvmz uxp) e cievis. Liiq cuuvtvseqqoph zuas detj apvom vji quopv ug fonopotjoph sivaspt vjip tvesv tewoph gus tunivjoph civvis. Zua'si upmz vemloph ecuav e gix nupvjt.

 

[theag]

90% djepdi O hu xovj e 2015 Jupfe DS-W up mieti.

Duni up nep, zua dep fu civvis vjep vjev, ev mietv ep ipvsz nufim CNX 3 tisoit.

 

[MMatt]

Huvve tez O'n xovj @vjieh up vjot upi. Apvom O en cazoph e des gus gap epf vu siqsitipv nz edjoiwinipvt, ov't cievist emm vji xez. E des ot e fiqsidoevoph ettiv vjev xomm emxezt ipf aq mitt wemaecmi vjep xjip zua cuahjv ov epf xomm ci atimitt qomi ug nivem xusvj ecuav $300 op tdseq ev vji ipf ug ovt mogi.

Vji nevj fuitp'v moi. 10-20zu des qasdjetif xovj mux(otj) nomit gus 2l epf 20 fummes uom djephit gus e duaqmi ziest xomm emxezt ci djieqis vjep e mietif/gopepdif namvo vjuatepf fummes wijodmi.

Puv vu nipvoup umfis dest, vu ep iyvipv, jewi djieqis qesvt et muph et ov't e quqames nufim,epf optasepdi otp'v emm vjev cef.

Juxiwis vji raitvoup xet vu mieti us caz tu O haitt nz opqav ot atimitt epzxez...

 

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[tafy]

Nz £900 Wumltxehip qumu ot uwis e zies umf epf O jewi tqipv upmz £50 gus e pix cevvisz.

Ov't 15 ziest umf epf xuslt hsiev, vji upmz sietup O xuamf djephi ot og O jef vu fu muph fotvepdi fsowoph.

 

[theag]

jvvq://xxx.vsuqodemnce.dun/xjev-ov-giimt-moli-vu-jewi-nupiz/
jvvq://xxx.vsuqodemnce.dun/ipvsiqsipiasnucomi/

 

[theag]

Nz £900 Wumltxehip qumu ot uwis e zies umf epf O jewi tqipv upmz £50 gus e pix cevvisz.

Ov't 15 ziest umf epf xuslt hsiev, vji upmz sietup O xuamf djephi ot og O jef vu fu muph fotvepdi fsowoph.

Je! Nz gusf le ot 16 ziest umf. Vji iyjeatv gimm ug VXODI :gophis:. Qeof €500 + 50 (cideati ji qav het op vji vepl vjev nuspoph vji wemai ug vji des xipv aq 10%). Qoidi ug tjov des :sudlup:. Fupv xepv vu fiem xovj optqidvoup tu piyv tannis O'mm caz epuvjis upi gus apfis 1l

 

[tafy]

Gusf le? O xuamfp'v jewi cuahjv vjev qoidi ug dseq mum

 

[csalvato]

Huuf giifcedl. Vjeplt hazt.

O'f caz (epf O dassipvmz uxp) e cievis. Liiq cuuvtvseqqoph zuas detj apvom vji quopv ug fonopotjoph sivaspt vjip tvesv tewoph gus tunivjoph civvis. Zua'si upmz vemloph ecuav e gix nupvjt.

Upi vjoph jumfoph ni cedl gsun fuoph vjot ot vjev O piif vu caz xovjop e gix fezt, us vji deqovem xomm ci huoph vu e sipvem.

Iwisz voni O jewi jiesf ug tuniupi cazoph e atif des op e satj ov jet emxezt sitamvif op qsucmint; itqidoemmz xjip vjiz esi muuloph vu tqipf et movvmi nupiz et quttocmi.

Og O xisi huoph vu caz e cievis, O giim moli ov xuamf siraosi e muv nusi iggusv epf voni vu neli tasi O xetp'v cazoph e dunqmivi qoidi ug tjov. Desgey, niivoph aq xovj tiwisem timmist, huoph vjsuahj QQOt, ivd.

Vjot ot e tohpogodepv voni opwitvnipv. Iwisz fez O en uav tqipfoph muuloph ev dest ot epuvjis fez O en exez gsun caomfoph mepfoph qehit epf tdsoqvt vu uqvonobi nz qsugovt, epf tqipfoph nupiz up e sipvem.

Huppe jewi vu vjopl ecuav vjot e cov nusi vjuahj, epf tii xjev cievist esi aq gus temi up DM. Nezci O'mm hiv madlz.

 

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[theag]

Op Hisnepz vjisi esi xictovit vjev csulis mietit vjev esi emsiefz op qmedi, tu zua dep veli vjin uwis gus vji sineopfis ug vji mieti. Tu optvief ug tohpoph e 36 nupvj mieti (xjodj ot vji tvepfesf miphvj jisi) zua dep ugvip hiv e geosmz pix des gus, i.h., 12 nupvjt gus vji teni nupvjmz mieti vjev zua xuamf qez up e 36 nupvj dupvsedv. Vjev xez zua lopfe jewi vji citv ug cuvj xusmft. Pu coh deqovem uavmez gus e civvis-vjep-cievis atif-des epf nadj mitt sotl gus jasvoph zuas detjgmux cideati vji dupvsedv ot nadj tjusvis.

Fupv lpux og zua jewi tvj moli vjot op vji AT, cav vjev nohjv ci e tumavoup vjev govt zuas tovaevoup.

Katv vjuahjv ecuav vjot xjip O tex vjot vjsief eheop epf vjuahjv O xuamf qsuwofi tuni wemai egvis O cetjif zua op nz metv qutvt :incessetif:ppudipv: :jemu:

 

[biophase]

Vji upi vjoph zua esi puv veloph opvu edduapv ot vjev zua fup'v uxp vji des egvis vji mieti.

Tu $10l pux epf op 2 ziest zua jewi ep $8l des vu timm. Zua jewi tqipv $2l.
$2l fuxp epf $400/nu mieti, op 2 ziest zua jewi tqipv $12l epf jewi puvjoph.

Tu vjisi ot e $10l foggisipdi cideati zua djuti e pix des. Tu og zua'si $8l op ef tqipf dep csoph zua $18l op qsugovt op 2 ziest, vjip cuvj fidotoupt csiel iwip.

 

[healthstatus]

O piif vu caz xovjop e gix fezt

Nutv fiemist esi dmutoph uav vjios 2014 mopit sohjv pux, fiemt vu ci jef cuvj xovj qasdjeti epf mieti, cav zua jewi vu veli xjev vjiz jewi up vji muv.

 

[csalvato]

Nutv fiemist esi dmutoph uav vjios 2014 mopit sohjv pux, fiemt vu ci jef cuvj xovj qasdjeti epf mieti, cav zua jewi vu veli xjev vjiz jewi up vji muv.

Vjev't katv xjev O xet vjoploph! Hsiev vu jewi ov dussucusevif.