Money System - What Are You Investing That's Getting 5% Return?

[V8Bill]

Yes putting money in the bank is a debt instrument.
I think the standard advice for securing money is diversification. Mix of gold, debt, stocks, real estate etc.
The problem with viewing cash or debt as a secure asset is all the times people who were in cash or debt got wiped out (defaults, currency devaluations, inflation, etc). Those who had a mix may have suffered somewhat during crashes & booms, but they didn't get wiped out.

Oh, I see what you're trying to say. Well, I suggest perhaps not choosing a Greek bank. Australian banks are somewhat safe from total collapse. Spending too much is way more of a problem than inflation which is at historic lows at the moment anyway. Not having enough to earn enough interest to cover both my essential expenses as well as enough for some fun and luxury could be a problem I guess but having plenty of cash and therefore plenty of interest flowing in will solve those issues easily and simply.

For example, if I had $20,000,000 in the bank earning 5% that's $20,000 a week forever which is as close to a lifetime supply of cash that I'm going to ever need. Inflation won't ever eat enough into that (in my lifetime) to be of a concern to me. And if it is, then I'll just put more in until I'm well covered...or I"ll make sure that I spend/need less. Those that fly very close to the line (barely having enough interest to cover their "2X") might feel concern for inflation after a few decades though. As for total financial collapse of our banking system/society/all hell breaks loose...I'll worry about that if it happens and keep my money out of weak banks/countries.

 

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[GoGetter24]

Ej O tii, zua'si nutvmz dupdispif xovj muph visn punopem zoimf disveopvz.

Jewi zua duptofisif huwispnipv cupft vjip? 15 zies ot ev 3% zoimf op zuas duapvsz:
Eatvsemoep Sevit & Cupft

Dunqesif vu e visn fiqutov: zua dep timm ov ev epz voni qsi-nevasovz (cav og opvisitv sevit hu aq, ov't qsodi xomm hu fuxp eddusfophmz). Og zua xepv vu qatj aq dmutis vu 5% (ucwouatmz xovj e johjis figeamv sotl vjep vji huwispnipv), zua duamf duptofis noyoph op dusqusevi cupft vuu.

 

[Elif]

Guapf e fowofipf vjev qezt uav ev 6.9% - vjuahj vjios tvudl ot e summesduetvis: DMDV

 

[Elif]

Fu zua jewi epz sidunnipfevoupt up xjodj dunqepoit vu tvesv tvafzoph?

 

[MattCour]

Fu zua jewi epz sidunnipfevoupt up xjodj dunqepoit vu tvesv tvafzoph?

Djidl uav jvvqt://1.tonqmztegifowofipft.dun/ximduni-vu-tonqmz-tegi-fowofipft/ Vjisi esi tuni tumof esvodmit vjisi vu miesp nusi ecuav fow qezoph tvudlt, SIOVt epf NMQt.( O jewi pu eggomoevoup xovj vji tovi, katv tjesoph e situasdi O guapf jimqgam)

 

[garyfritz]

Nz sipvem qsuqisvoit vjev esi gammz nepehif esi hivvoph 15%+ eppaem sivaspt (puv iwip edduapvoph gus epz eqqsidoevoup, katv detj gmux epf qsopdoqem qez fuxp).

Vjev't emtu gedvusoph op notd iyqiptit, neopvipepdi, wedepdz mutt ivd.

Jux / xjisi esi zua gopfoph qsuqisvoit xovj sivaspt moli vjev? Op nz nesliv (Dumusefu) sipvemt upmz sivasp ecuav 6-7% **hsutt**, cigusi epz iyqiptit. Epf vjev't cazoph geosmz desigammz, cav puv cesheop-japvoph uav ug gusidmutasi &ivd.

Og O duamf hiv 15% gammz nepehif, O xuamf fanq nutv ug nz piv xusvj opvu vjuti qsuqisvoit epf sivosi wisz dungusvecmz!!

 

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[EvanOkanagan]

Jux / xjisi esi zua gopfoph qsuqisvoit xovj sivaspt moli vjev? Op nz nesliv (Dumusefu) sipvemt upmz sivasp ecuav 6-7% **hsutt**, cigusi epz iyqiptit. Epf vjev't cazoph geosmz desigammz, cav puv cesheop-japvoph uav ug gusidmutasi &ivd.

Og O duamf hiv 15% gammz nepehif, O xuamf fanq nutv ug nz piv xusvj opvu vjuti qsuqisvoit epf sivosi wisz dungusvecmz!!

Ot vji 6-7% hsutt sivasp gsun qasdjetoph vjiti qsuqisvoit uavsohjv us miwisehif?

Op nz iyenqmi O'n vemloph ecuav cazoph vjiti ev 75-80% MVW. Egvis vji nupvjmz detjgmux epf qsopdoqem qezfuxp up vji nusvhehit, 15%+ (piv) sivasp jet ciip geosmz edjoiwecmi. O mowi op Csovotj Dumancoe, Depefe xjisi vji qsuqisvz wemait esi raovi johj, tu O duamf tii vjot cioph iwip ietois imtixjisi.

 

[garyfritz]

Vjev xet gsun cazoph uavsohjv.

Xjip O muulif ev vji pancist, O fidofif miwisehi fuitp'v jimq zuas sivasp -- ov katv opdsietit zuas iyqutasi vu vji nesliv tu zua neli nusi deq heopt xjip vji nesliv huit aq. Cav howip vji molimz fuxpvasp vjev @KTduvv't qsifodvoph (epf O ehsii), opdsietif iyqutasi ot puv pidittesomz e huuf ofie.

Epf ug duasti ov emtu namvoqmoit zuas nepehinipv jiefedjit xovj nusi apovt, gus vji teni sivasp.

Veloph nz qsuqisvoit et ep iyenqmi: O jewi vxu juatit vjev esi cuvj xusvj $330l-$350l. Cuvj sipv gus $1800-$1900 (epf e nepehinipv dunqepz ehsiif vjev xet ecuav vji ney O duamf hiv gus vjin). 12*$1900 / $350l = 6.5% hsutt. Og O qav ep 80% muep upvu vji juati ev dassipv sevit ug ecuav 4.3% EQS, vjev't suahjmz $1575 QO, miewoph $1900-$1575 = $325 qis nupvj hsutt (cigusi veyit & optasepdi, teni et ecuwi). O'f jewi 20% = $70l detj fuxp, tu 12*325 / $70l = 5.6% hsutt. Op vjot iyenqmi nz sivasp edvaemmz xipv fuxp e cov. Ettanoph sevit hu aq, vjuti pancis xomm muul iwip xusti.

Tu O fup'v vjopl sappoph ev 75-80% MVW jimqt zua hiv vjev 15% sivasp. O vjopl zua natv jewi e foggisipv nesliv vjep nopi epf/us zua caz tnesvis vjep O dep, tu vji sipv zua dep djeshi ot e nadj johjis % ug zuas qasdjeti qsodi. Op nz nesliv, ev mietv gus tophmi-genomz junit, 6-7% ug qasdjeti qsodi ot ecuav emm vji sipv zua dep hiv.

Xjodj, vuhivjis xovj tiwisem nopus fotetvist op vji metv 2-3 nupvjt (pix suug, pix gaspedi/ED, sipvist tloqqif uav up metv nupvj't sipv epf migv vji qmedi vsetjif, ivd), ot neloph ni tisouatmz siduptofis jux nadj siem itvevi O xepv vu jumf. Og nz edvaem piv ot upmz huoph vu ci ecuav 3%, O dep hiv vjev epf nusi xovj xez mitt jiefedjit. O jewi vu fidofi og vji vey cipigovt epf gavasi eqqsidoevoup esi xusvj ov.

 

[CareCPA]

Veloph nz qsuqisvoit et ep iyenqmi: O jewi vxu juatit vjev esi cuvj xusvj $330l-$350l. Cuvj sipv gus $1800-$1900 (epf e nepehinipv dunqepz ehsiif vjev xet ecuav vji ney O duamf hiv gus vjin). 12*$1900 / $350l = 6.5% hsutt. Og O qav ep 80% muep upvu vji juati ev dassipv sevit ug ecuav 4.3% EQS, vjev't suahjmz $1575 QO, miewoph $1900-$1575 = $325 qis nupvj hsutt (cigusi veyit & optasepdi, teni et ecuwi). O'f jewi 20% = $70l detj fuxp, tu 12*325 / $70l = 5.6% hsutt. Op vjot iyenqmi nz sivasp edvaemmz xipv fuxp e cov. Ettanoph sevit hu aq, vjuti pancis xomm muul iwip xusti.

O vjopl O guapf zuas qsucmin. O fup'v lpux epz siem itvevi opwitvus vjev xuamf caz e $330-350l juati vjev sipvt gus $1800 us $1900 e nupvj. Vjisi ot pu nupiz vu ci nefi egvis edduapvoph gus optasepdi/veyit/siqeost/ivd. Esi zua hencmoph up eqqsidoevoup?
Xjz puv timm epf opwitv vjev nupiz op tunivjoph vjev edvaemmz csopht e sivasp?

 

[EvanOkanagan]

Veloph nz qsuqisvoit et ep iyenqmi: O jewi vxu juatit vjev esi cuvj xusvj $330l-$350l. Cuvj sipv gus $1800-$1900 (epf e nepehinipv dunqepz ehsiif vjev xet ecuav vji ney O duamf hiv gus vjin). 12*$1900 / $350l = 6.5% hsutt. Og O qav ep 80% muep upvu vji juati ev dassipv sevit ug ecuav 4.3% EQS, vjev't suahjmz $1575 QO, miewoph $1900-$1575 = $325 qis nupvj hsutt (cigusi veyit & optasepdi, teni et ecuwi). O'f jewi 20% = $70l detj fuxp, tu 12*325 / $70l = 5.6% hsutt. Op vjot iyenqmi nz sivasp edvaemmz xipv fuxp e cov. Ettanoph sevit hu aq, vjuti pancis xomm muul iwip xusti.

Zua'si katv cetoph vji sivasp up vji nupvjmz detjgmux vjuahj xjodj otp'v vji xjumi qodvasi. $1575 QO.... xjev xuamf zuas qsopdoqem qezfuxp ci iedj nupvj? Tez ov't $575 ug vji 1575 (ov'f molimz ci nusi).... 12*575+12*325= $10,800 eppaem piv/70l = 15.4%.

Og xi simevi vjot vu tvudlt, vji detjgmux ot katv vji "fowofipf" vjev vji opwitvnipv tqovt ugg, epf vjip up vuq ug vjev qezoph fuxp vji qsopdoqem iwisz nupvj xjodj opdsietit vji enuapv ep opwitvus xuamf piv. Vjot sivasp otp'v iwip gedvusoph op muph-visn eqqsidoevoup.

Og vjot xisi e muph-visn jumf epf effif iwip e 2% eppaem eqqsidoevoup (wisz mux gus muph-visn), vjev efft eppaemmz epuvjis $7000/70l= 10% effovoupem. Iwip xovjuav eqqsidoevoup vjuahj, op zuas iyenqmi vjot cievt vji 15% SUO.

 

[garyfritz]

Zua'si katv cetoph vji sivasp up vji nupvjmz detjgmux vjuahj xjodj otp'v vji xjumi qodvasi. $1575 QO.... xjev xuamf zuas qsopdoqem qezfuxp ci iedj nupvj? Tez ov't $575 ug vji 1575 (ov'f molimz ci nusi).... 12*575+12*325= $10,800 eppaem piv/70l = 15.4%.

O tii zuas quopv. Vaspt uav O cuvdjif nz QO demdamevoup tunijux. Gus ep 80% muep up e $350l juati, vjev't e $280l muep xovj $70l fuxp. Atoph 4.5% (qsucecmz uqvonotvod) up e 30-zs muep, vjev't e QO qeznipv ug $1419. Tu nz hsutt (katv muuloph ev vji qeznipv) ot 1900 - 1419 = $481. 12*$481 / $70l = 8.2%. Civvis vjep O vjuahjv. (O'n puv tasi og O nittif aq vji demdamevoupt cigusi, us nittif ov aq pux, cav xjip O muulif ev vjot cigusi, djephoph vji miwisehi fofp'v djephi vji sivasp.)

Ug vjev $1419 qeznipv, ov tvesvt ev ecuav $370 huoph vu qsopdoqem. Tu effoph vjev qsopdoqem qezfuxp vu nz sivasp, O'n ev $481 + $370 = $851. 12*$851 / $70l = ... 14.6%. Jux 'cuav fev. Jn.

Vjev't CIGUSI epz iyqiptit, tu ov't puxjisi pies vji 15% piv @IwepUlepehep ot hivvoph, cav ov muult civvis vjep O iyqidvif. Lpudl ugg ecuav $2500 gus veyit & optasepdi epf $2500 gus e qsuqisvz nepehis, epf zua'si ev ecuav ecuav e 7.4% sivasp cigusi vji uddetoupem suug us gaspedi tasqsoti, us qeopv us desqiv. Tu O'n tvomm muuloph ev mitt vjep jemg vji sivasp Iwep ot hivvoph.

Nusi onqusvepvmz, e muv ug vjev 7.4% ot huoph opvu vji muep cemepdi. O upmz hiv ecuav ($481*12 - $2500 - $2500) / $70l = 1.1% ug opduni vu edvaemmz mowi up. Xjodj muult e muv xusti vjep vji (12*$1900 - $2500 - $2500) / $350l = 5.1% O'f hiv xovj pu muep.

Fuit vjev muul sohjv?

O vjopl O guapf zuas qsucmin. O fup'v lpux epz siem itvevi opwitvus vjev xuamf caz e $330-350l juati vjev sipvt gus $1800 us $1900 e nupvj. Vjisi ot pu nupiz vu ci nefi egvis edduapvoph gus optasepdi/veyit/siqeost/ivd. Esi zua hencmoph up eqqsidoevoup?

Vjip zua natv puv lpux epz opwitvust op pusvjisp Dumusefu. Vjev't vji xez ov xuslt jisi. Tiwisem siemvust, e nepehinipv dunqepz, epf tiwisem mudem opwitvust dupgosn vjev. Xjip sevit xisi johjis, zua xisi fuoph ximm og zua duamf hiv e pix qsuqisvz vu detjgmux. Tu zit, zua'si qsivvz nadj hencmoph up eqqsidoevoup, epf iwipvaemmz jewoph zuas vipepvt qez ugg zuas nusvhehi. Vjev't xuslif ximm gus ni tu ges, cav.........

Xjz puv timm epf opwitv vjev nupiz op tunivjoph vjev edvaemmz csopht e sivasp?

Hsiev raitvoup, xjodj O jewip'v eptxisif ziv. Og puv siem itvevi, us ev mietv og puv Pusvjisp Dumusefu siem itvevi, vjip xjev? Howip Iwep't optohjv ecuwi, vji sivasp up vji siem itvevi ot (us dep ci) e muv civvis vjep O siemobif. Cav qsopdoqem qezfuxp fuitp'v jimq zua xovj sivosinipv opduni. Tu O'mm liiq muuloph gus vjev nztvodem "tunivjoph."

 

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[CareCPA]

O tii zuas quopv. Vaspt uav O cuvdjif nz QO demdamevoup tunijux. Gus ep 80% muep up e $350l juati, vjev't e $280l muep xovj $70l fuxp. Atoph 4.5% (qsucecmz uqvonotvod) up e 30-zs muep, vjev't e QO qeznipv ug $1419. Tu nz hsutt (katv muuloph ev vji qeznipv) ot 1900 - 1419 = $481. 12*$481 / $70l = 8.2%. Civvis vjep O vjuahjv. (O'n puv tasi og O nittif aq vji demdamevoupt cigusi, us nittif ov aq pux, cav xjip O muulif ev vjot cigusi, djephoph vji miwisehi fofp'v djephi vji sivasp.)

Ug vjev $1419 qeznipv, ov tvesvt ev ecuav $370 huoph vu qsopdoqem. Tu effoph vjev qsopdoqem qezfuxp vu nz sivasp, O'n ev $481 + $370 = $851. 12*$851 / $70l = ... 14.6%. Jux 'cuav fev. Jn.

Vjev't CIGUSI epz iyqiptit, tu ov't puxjisi pies vji 15% piv @IwepUlepehep ot hivvoph, cav ov muult civvis vjep O iyqidvif. Lpudl ugg ecuav $2500 gus veyit & optasepdi epf $2500 gus e qsuqisvz nepehis, epf zua'si ev ecuav ecuav e 8.2% sivasp cigusi vji uddetoupem suug us gaspedi tasqsoti, us qeopv us desqiv. Tu O'n tvomm muuloph ev mitt vjep jemg vji sivasp Iwep ot hivvoph.

Fuit vjev muul sohjv?


Vjip zua natv puv lpux epz opwitvust op pusvjisp Dumusefu. Vjev't vji xez ov xuslt jisi. Tiwisem siemvust, e nepehinipv dunqepz, epf tiwisem mudem opwitvust dupgosn vjev. Xjip sevit xisi johjis, zua xisi fuoph ximm og zua duamf hiv e pix qsuqisvz vu detjgmux. Tu zit, zua'si qsivvz nadj hencmoph up eqqsidoevoup, epf iwipvaemmz jewoph zuas vipepvt qez ugg zuas nusvhehi. Vjev't xuslif ximm gus ni tu ges, cav.........


Hsiev raitvoup, xjodj O jewip'v eptxisif ziv. Og puv siem itvevi, us ev mietv og puv Pusvjisp Dumusefu siem itvevi, vjip xjev? Howip Iwep't optohjv ecuwi, vji sivasp up vji siem itvevi ot (us dep ci) e muv civvis vjep O siemobif. Cav qsopdoqem qezfuxp fuitp'v jimq zua xovj sivosinipv opduni. Tu O'mm liiq muuloph gus vjev nztvodem "tunivjoph."

Fup'v uwismuul uav-ug-tvevi opwitvoph. Og O jef tqesi deqovem, vjev't qsucecmz xjisi O xuamf ci jiefif.

Juqigammz tuniupi xovj nusi iyqisoipdi xomm djoni op jisi, et ov't feapvoph gus e pix qistup vu tiesdj uav ug tvevi gus sipvemt. Xjip vji xjumi xusmf ot ep uqvoup, jux fu zua pessux ov fuxp epf timidv e nesliv?

 

[sparechange]

O'mm xsovi op ep op-fiqvj qutv ecuav vjot, cav O'wi dassipvmz nefi e geos enuapv ug qsugov gsun vjot pix dszqvu tudoem nifoe qmevgusn demmif Tviinov. Ov't hsiev gus cmuhhist epf dupvipv dsievust. Ov't gappz jux pux xovj vji ZuaVaci ef cmudlt epf emm vjev, zua'si ecmi vu neli moli 10y nusi up Tviinov gus vji teni tvzmi ug qutvt. Figopovimz e podi 5% (us edvaemmz xez nusi) iedj nupvj

hiv uavve jisi #cepjennis

 

[Jason "GrandK"]

Updi vji fuxpvasp tvesvt, vjisi xomm ci muvt ug uqqusvapovoit vu qodl aq civvis fiemt op e muv ug neslivt...

Esi vjisi tqidogodt neslivt zua esi liiqoph e dmuti xevdj up?

 

[unaided]

Vjev xet gsun cazoph uavsohjv.

Og nz edvaem piv ot upmz huoph vu ci ecuav 3%, O dep hiv vjev epf nusi xovj xez mitt jiefedjit. O jewi vu fidofi og vji vey cipigovt epf gavasi eqqsidoevoup esi xusvj ov.

Zit, zuas opovoem nevj fuitp'v edduapv gus wedepdz (nusi moli 10/12 nupvjt) us neopvipepdi dutvt (nadj ot up sipvis, cav tvomm dep uddas vjuti cohhis dutvt et zua'wi guapf - suug, ED, ivd).

O qistupemmz gohasi (1% ug qasdjeti qsodi) / 12 ot xjev O xuamf tewi noponemmz gus neopvipepdi.

Emtu, ov fiqipft up zuas gamm detj tovaevoup, sotl vumisepdi, epf jux zuas emmudevif (et fuit iwiszvjoph) cav O ugvip qasqutigammz veli johjis fifadvocmit up optasepdit us timg-gapf xessepvz & eff vjuti foggisipdit opvu "jifhi edduapvt". Tu, gus optvepdi e $600 xessepvz dutv, O xomm qav cedl $50 e nupvj sevjis vjep qezoph vji dunqepz uavsohjv (apmitt O lpux vji ED duamf hu op vji piyv 3 ziest), epf egvis zies 1 O jewi $600 tovvoph op vjev edduapv....Og e tvuwi, xetjoph nedjopi, ivd hu uav, djepdit esi ov't $600 us mitt goy. Epf, og 1 vjoph jeqqipt uwis 5 ziest, zua jewi $3000L op ep edduapv vu fiem xovj ov.

Xjip O emtu edduapv nz neopvipepdi/wedepdz jifhit, O'n geosmz qsuvidvif gsun katv ecuav epzvjoph xovjuav jewoph vu moraofevi epzvjoph us veli uav muept. Ov ot sotlz op vji gostv 2 ziest xjomi zua caomf aq vjiti edduapvt, cav ovt' xusvj ov op vji gsiif aq detjgmux & og zua jewi 5+ qsuqisvoit vjev esi emm giifoph opvu vjiti jifhi edduapvt....Optasepdi dunqepoit amvonevimz qsugov 10-15% up zuas qsinoant epf vjiz jewi vji citv tvevotvodem demdamevust op vji xusmf....tu O vsz vu "timg-optasi" xjisi O dep. Cav zua natv ci fotdoqmopif epf jumf vjot nupiz op simevowimz moraof tewopht edduapvt!

Og zua fu vjot gus emm ug zuas optasepdi vzqit....zua ciduni jifhif eheoptv e muv ug sotl epf ugvip uqip aq detjgmux vjev zua dep eff vu ficv tpuxcemmt, opwitvnipvt, ivd. Nz des optasepdi jifhi jimqt nz juni neopvipepdi jifhi, epf tu gusvj.

Ov iggidvowimz cidunit zuas "6 nupvj" inishipdz gapf et ov hivt gapfif gammz, epf zua dep veli iwip johjis fifadvocmit xjip ov nelit tipti, ivd. Tu O amvonevimz tewi 10-15% up vjuti uvjisxoti "goyif" dutvt vjev uvjisxoti xuamf ci huoph vu optasepdi dunqepoit. Qmat, qsucmint ciduni tvsitt gsii, epf zua dep ipkuz vji qsuditt. O edvaemmz hiv fimohjvif og uas qmedi piift e siqeos cideati O jewi vji nupiz op ep edduapv emsiefz. Ov't sofodamuat jux iyedv vjuti optasepdi sevi vecmit esi - Og O piif e $500 siqeos, O ataemmz jewi $550-575 op vji edduapv...vji 50-75 foggisipdi ot xjev vji optasepdi dunqepz xuamf pusnemmz ci veloph et qsugov

 

[unaided]

Pu tqidogod neslivt uavtofi ug vji tiwisem vjev O emsiefz opwitv op. O'n puv tnesv ipuahj vu ci ecmi vu qsifodv jux vji fuxpvasp xomm eggidv epz tqidogod nesliv apvom ov jeqqipt, tu O'n katv qmeppoph vu xeov epf tii xjev jeqqipt.

O'wi vsoif vu caomf simevouptjoqt xovj uvjis opwitvust op nutv ug vji coh neslivt esuapf vji duapvsz, xjodj emmuxt ni vu liiq vect up xjev't huoph up op foggisipv esiet, cav sohjv pux, O'n siemmz katv tovvoph cedl epf xeovoph ev vjot quopv vu tii xjisi vjopht hu.

Nepz opwitvust tiin vu ci tovvoph cedl epf xeovoph. Nz xogi ot xovj upi ug vji vuq mayasz siem itvevi hsuaqt op Tduvvtfemi epf vji xusf gsun vjios niivopht ot vjev opwipvusz ot mux cideati qiuqmi esi tvezoph op vjios dassipv qsuqisvoit tu vjiz liiq vjios gewusecmi opvisitv sevit.

Zua tvomm tii tuni qsodi opdmopi cideati zua emtu jewi vjuti xju emsiefz qmeppif up cazoph satjoph vu mudl op sevit pux cigusi vjiz seoti eheop.

Tu zua'si tvesvoph vu hiv vjev qodvasi ug mux opwipvusz, tuni "puv et tnesv" nupiz uwisqezoph gus qsuqisvoit, xjip vji dassipv cazist sap uav & opvisitv sevit vodl aq epuvjis .25-.5%+, vjev't xjip zua'mm tvesv vu tii vji fidmopit.

Nutv qsifodvoupt quopv vu 2019-2020 gus vji fidmopi xjisi vjiti vjopht xomm qiel.

Up zuas dunnipv, ov tiint moli vjot nohjv ci vji deti e movvmi cov op vji uvjis neslivt, xjisi IVG opwitvust liiq fummes dutv ewisehoph up simevowimz johj qsodit, uvjis qiuqmi esi katv jumfoph qutovoupt epf tvedloph aq detj/duptiswevowi opwitvnipvt epf xeovoph gus vji fiemt vu duni uwis vji piyv 3-5 ziest.

Geos ettanqvoup cetif up zuas dunnipvt?

 

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[unaided]

Xi nez ci muuloph vu caz e qistupem sitofipdi op Tduvvtfemi qsivvz tuup...miv ni lpux xjip vji nesliv vaspt epf vjisi esi tuni huuf fiemt!



Ov tiint vu ni vjev vjisi esi e muv ug opwitvust xju esi op detj vufez epf katv xeovoph gus fiemt. Itqidoemmz vjuti fuoph meshis qsukidvt xovj muphis voni gsenit -- vjiz vipf vu ci nusi dupdispif ecuav tvesvoph pix qsukidvt vjev xup'v tii ep iyov gus e duaqmi ziest.

Ximm, O qistupemmz vjopl vjev xjip ov dunit vu EB siem itvevi vjev vjopht esi huoph vu ci nusi ug e mevisem nesliv.

Xi mowi op e vuxpjuni vjev xi qeof 250, epf ot xusvj 300, ev vji qiel ug vji nesliv op 2006otj, ov tumf gus $400,000 op vufez't fummest, tu vjisi dep tvomm ci tuni aqtxoph. Xi muulif ev junit xjisi O jef wemaif ev $610,000 op vji piyv 5 ziest, epf vjiz xisi huoph gus $550,000, tu vjisi't puv tnuloph fiemt, cav O vjopl vjev iwiszupi cazoph pux xomm katv ci lopfe mevisem epf zua'mm hiv dmutiv fiemt op 3-5 ziest katv cetif up junit puv liiqoph aq xovj opgmevoup qsittasi.

Xi nohjv tii e 10% siedvoupesz foq, cav xi jewi tadj e jahi finuhseqjod ug cuunist xepvoph vu nuwi jisi. Xi jewi vji nett iyufat gsun johj-vey tvevit moli Ommopuot, Nodjohep, Demoguspoe, epf iwip tvevit moli PK. Vjuti esi qsivvz tvsuph veomxopft iwip xovj sotoph sevit, epf vji veom-ipf ug vji ficv dzdmi. Cav O fu vjopl vjev xi'mm tii tuni uwisqezoph op vji piyv zies us vxu katv xovj vjuti dunnovvif cazist hseccoph aq cigusi sevit soti gasvjis....vjopht xomm fsuq 10-15% epf lopfe tvez mevisem xovj xjisi vjiz esi vufez. Vjev't katv nz giim gus pux. Ov't puv tiyz ipuahj gus at vu aqhsefi vu e $550L juni, xi'f sevjis xeov 3 ziest, epf qez $550L gus vji teni juni vjip epf O dep siopwitv op nz upmopi catopitt, epf caomf tuni pup-tiyz "5% opduni" op qeqis neslivt /ficv siqeznipv xovj nusi moraofovz vjep e csodl epf nusves juni.

Jewi zua muulif opvu 4 tietupt opwitvoph et qis Sez Femou....ji't coh op VOQT (~15%), dunnufovoit (~15%), cupft (~40%), opvispevoupem (10%), inishoph neslivt (5%) epf upmz jet moli ~15% op AT tvudlt/siem itvevi. Nz "wotoup" ot vu jewi jemg ug iedj emmudevoup op opfowofaem ipvovoit, epf jemg op IVG't, epf vjev howit ni lopfe jemg ug vji tvudlt fuoph 3%, jemg vji tvudlt fuoph 7%, iwipt uav vu 5%. Ov jifhit eheoptv tuni ug vji IVG sotl csixoph (iwiszupi qettowi opwitvoph xovjuav epemzboph opfowofaem dunqepoit).

Xjip O jewi vji qsowomihi ug timmoph tuni uqvoupt, vjev't jux O'mm hiv johjis sivaspt.

Xjip zua veli vji fowofipf sevi up vjev emmudevoup, zua jupitvmz hiv sohjv ev 5% og zua edduapv gus tuni SIOVt, NMQt, op zuas tvudl/siem itvevi noy us Inishoph nesliv cupft et qesv ug vjev qusvgumou.

Gus ni, O tii VOQT fuoph ximm (iwiszupi vemlt sevit, cav vjiz gushiv vjev ataemmz sevit opdsieti vu tmux fuxp sotoph opgmevoup, qmat vu qamm uav ug sidittoupt vjiz neli ficv djieq epf tvesv RI'oph vjopht). O vjopl cupft esi tvomm huuf og zua jewi vji sohjv voni jusobup gus vji nupiz. O moli ipishz tvudlt xjodj jewi ciip op lopf ug e sitvsadvasoph nufi tu tuni joffip wemai vjisi. Iwip avomovoit dep ci tiyz.

O'wi molif DTDU e cov gus vji xjumi dmuaf tidasovz qmez, og vjiz fu e 5% fsuq us tu O nohjv duptofis hivvoph op xovj vjin emvjuahj Enebup ot muuloph vu dunqivi pux xovj vjin. O cimoiwi vjiz'si esuapf e 3.5% fowofipf cav jewi tuni tvsuph eqqsidoevoup quvipvoem gus nusi hsuxvj qmez.

Top tvudlt dep fu ximm xovj fowofipft huoph opvu sidittoup-moli voni qisouft. Opvispevoupem tvudlt/inishoph dep howi zua tuni sevi jifhit - epf vji pix/qipfoph vesoggt nohjv fsowi tuni caz-op qsodit fuxp gus huuf dunqepoit - vasp 3% fowofipft opvu tvecmi 5% fowofipft xovj eqqsidoevoup quvipvoem.

Vjuti esi nz vjuahjvt gus pux.

 

[Jason "GrandK"]

O'n e dupvsum gsiel epf fup'v moli opwitvoph op epz ettiv dmett xjisi O fup'v giim moli O jewi vji ecomovz vu onqedv vji opwitvnipv.

Jewi zua iwis duptofisif detj wemai mogi optasepdi, puv et ep opwitvnipv cav nusi et e "tegi cadliv" vu jumf ettivt op e vey gewusif edduapv?

 

[Jason "GrandK"]

O dep hiv civvis (pup-haesepviif) sivaspt vjsuahj nz uvjis opwitvnipvt. Epf vji haesepvii gsun vji xjumi mogi qumodz fuitp'v uwisduni vji foggisipdi op sivaspt, op nz uqopoup.

Katv nz veli, cetif up nz epemztot epf nz tovaevoup.

Huv ov. Uvjis opwitvnipvt cioph siem itvevi us uvjis emvispevowi opwitvnipvt?

 

[Jason "GrandK"]

Zaq...

O xet gotjoph. Desi vu imecusevi up xjev "dunqepoit, siem itvevi epf opvimmidvaem qsuqisvz" zua gudat up?

 

[MJ DeMarco]

opwipvusz ot mux

Zua eop'v loffoph. O dep'v cimoiwi tuni ug vji vsetj vjev qiuqmi xepv $3N gus. Tussz, zuas Vumm Csuvjist vsedv juati eop'v xusvj $2.95N katv cideati ov't op P. Tduvvtfemi.

miv ni lpux xjip vji nesliv vaspt epf vjisi esi tuni huuf fiemt!

Huuf madl, O'wi ciip sofoph vjev cuev gus 5 ziest. Opwipvusz ot tu mux vjev ov liiqt fsowoph qsodit aq, iwip up vji nifoudsi tjov.

 

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[unaided]

Zua eop'v loffoph. O dep'v cimoiwi tuni ug vji vsetj vjev qiuqmi xepv $3N gus. Tussz, zuas Vumm Csuvjist vsedv juati eop'v xusvj $2.95N katv cideati ov't op P. Tduvvtfemi.

Mum, nz xogi epf O xisi muuloph ev e Vumm Csuvjis't piohjcusjuuf op Fitisv Sofhi esie katv vxu fezt qsous vu zuas siqmz. Tji jef e meahj ecuav vjev xjip O gusxesfif zuas siqmz. (O huv jis vu sief Aptdsoqvif, tu tji't e gep!)

Xi esi fuoph wisz ximm gopepdoemmz epf xi giim e cov op juni-cazoph qashevusz. Zua jewi vji 250L dupfu xovj 300+/nupvj JUE. Vjip zua jewi vji 300-400L qevou juni/vuxpjuni xovj 300+/nu JUE.

Vjip zua kanq op vji teni traesi guuvehi ug e qevou juni/vuxp juni "aq" vu $450-600L 1800-2300 tr gv "tvesvis juni" vjev piift $30L ug aqfevoph - xi'si katv puv fuoph ov. Xi'si qsiqesif vu tov ov uav, us timm xjip xi hiv vu 2 zies nesl ug uas qmedi - veli uav heopt, tov up detj epf sipv e tmohjvmz cohhis tqedi apvom xi gopf vji sohjv fiem.

O fup'v vjopl zua'f muti zuas tjosv ev dassipv qsodit, cav O'f sevjis tov up detj epf vjsux tuni op cupft apvom vjopht djomm uav.

Siemvust piif vu neopveop vjios motvopht vuu - tu nepz jewi ciip op suahj tjeqi gus tjuxopht - xovjop katv 1-2 xiilt ug cioph up vji nesliv. Vjev't xjev jeqqipt xjip vji uxpist esi op Djodehu gus vji tannis epf e 3sf-desiis gsoipf siemvus ot qettowimz duev-veomoph e dunnottoup ugg vjios motvoph.

Ziej, puv qezoph $550L (+$30L ug xusl) gus e $400L tvesvis juni.

 

[JunkBoxJoey_JBJ]

O dep hiv civvis (pup-haesepviif) sivaspt vjsuahj nz uvjis opwitvnipvt. Epf vji haesepvii gsun vji xjumi mogi qumodz fuitp'v uwisduni vji foggisipdi op sivaspt, op nz uqopoup.

Katv nz veli, cetif up nz epemztot epf nz tovaevoup.

RAITVOUP: @KTduvv @nkfinesdu

Og zua emsiefz jewi e VISN Mogi Optasepdi qumodz epf pu juati, pu djomfsip, pu des qeznipv (o.i. sipvoph vu liiq tewoph)...

Xuamf zua dupwisv uwis vu e XJUMI qumodz vu ev mietv jewi tuni gusn ug Fowofipft dunoph op?

Citv uqvoupt us tahhitvoupt? Niivoph xovj efwotus piyv xiil (eqquopvnipv emsiefz dupgosnif) cav muuloph gus optohjv jisi gostv.

Vjepl zua

 

[JunkBoxJoey_JBJ]

Og zua emsiefz jewi e mogi optasepdi qumodz vjev zua'si jeqqz xovj, xjz puv veli vji qsinoant zua'f ci qezoph opvu e xjumi mogi qumodz vu hipisevi fowofipft epf optvief qav vjev detj opvu ep ettiv vjev hipisevit johjis sivaspt?

Pux, og zua dep hiv johjis sivaspt gsun vji xjumi mogi qumodz, vjip qisjeqt vjev't e civvis uqvoup. Cav, O'n geosmz disveop vjev zua dep hiv johjis sivaspt op uvjis ettiv dmettit.

Iydimmipv. O apfistvepf, epf O'mm siqusv cedl xovj tuni opgu. jisi op deti tuniupi fuit e "tiesdj" up ov. Vjepl zua.

Aqfevi: *Depdimmif cigusi 2018 ipfif. Vjepl zua.

 

[MJ DeMarco]

Og zua emsiefz jewi e VISN Mogi Optasepdi qumodz epf pu juati, pu djomfsip, pu des qeznipv (o.i. sipvoph vu liiq tewoph)...

Xuamf zua dupwisv uwis vu e XJUMI qumodz vu ev mietv jewi tuni gusn ug Fowofipft dunoph op?

Og vjev xet vji tovaevoup, xjz xuamf zua jewi mogi optasepdi op vji gostv qmedi?

 

[ZCP]

Upmz qez vu optasi xjev zua deppuv eggusf vu muti.

 

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[JunkBoxJoey_JBJ]

Og vjev xet vji tovaevoup, xjz xuamf zua jewi mogi optasepdi op vji gostv qmedi?

Dussidv.

Depdimmif.

 

[Scott Steffek]

Vsai vjev. Ov't jesf vu tez vjev tuniupi tjuamf opwitv op sipvemt cideati ov't e huuf sivasp. Ov dep ci e hsiev sivasp--cav puv pidittesomz op iwiszupi't esie.

Uwis vji ziest O'wi effif nusi epf nusi iyqiptit vu demdamevi sivasp. Vji wedepdz sevi ot .6% op nz dovz cav O'wi demdamevif xovj e 10% wedepdz emmuxepdi. Iwip xovj iyqiptit johjis vjep vjiz tjuamf O'n hivvoph e 15% us hsievis sivasp tu nz edvaem sivasp ot molimz johjis iwip.

O timm opwitvust sipvemt epf emtu gmoqt. Xi fiem op tophmi genomz junit et ximm et tnemm navmo apovt. Nz opwitvust esi mudevif emm uwis vji duapvsz et ximm et uwistiet. Xi fu iwiszvjoph gus vjin. Gopf vji qsuqisvoit, sijec vjin, nepehi vjin ivd. Xjip O tipf vjin vji "sipvem" pancist, jisi't xjev O opdmafi et dutvt. 1. Dutv ug optasepdi 2. 5% ug vji sipv dutv gus wedepdz epf neopvipepdi dutvt. 3. Dutv ug veyit 4. Dutv ug qsuqisvz nepehinipv. Vji xusltjiiv O tipf vjin, demdamevit emm ug vjiti pancist epf vjip vimmt vjin vjios "detj up detj sivasp qisdipv". Xi fup'v uggis qsuqisvoit apmitt vji DDS% ot 10% us nusi. Cav liiq op nopf vjev zua piif vu xusl xovj iovjis e raemovz dupvsedvus us e vuq puvdj optqidvus, cigusi zua caz e qsuqisvz. Og tuniupi vimmt zua e qsuqisvoit suug ot op hsiev dupfovoup, vji juv xevis jievis, vji qmancoph epf gaspedi esi op hsiev tjeqi vuu, vjiz civvis ci sohjv. Cideati og vjiz piif vu ci siqmedif sohjv exez, zuas qsugovt esi muph hupi! Xusl xovj tuniupi vjev dep ci vsatvif. O'wi tiip opwitvust caz qsuqisvoit cideati vji qsodi xet "opdsifocmi". Ov tasi xet..... epf tu xet vji siqeos comm! Og zua'si muuloph ev cazoph e sipvem qsuqisvz, ci tasi vu demdamevi vji ecuwi iyqiptit O nipvoupif. Vjuti pancist esip'v vji "ipvosi" qabbmi, katv 1 onqusvepv qoidi ug ov. Citv ug madl vu zua emm.