my credit mistake...looking for options on a sfr

[Bilgefisher]

Here's the scoop. I found a great SFR in north Aurora. Asking price is 85k. Put in an offer for 89,500k. The house on a normal market is worth 135k. Its a 3/1 that is move in ready right now. New carpet, hardwood floors, double pane windows etc. We have the money for 15% down. Rents are $1000/mo with a vacancy rate below 6% for the area. The numbers look good from my end. This house is a rare find. I still haven't had my bid excepted and found out about the credit issue after the bid. I'll be finding out today if my offer won. I'm just trying be a bit more prepared.

My problem is this. Lender pulled my credit and it shows zero. When I pulled my credit last month it showed 720. My last debt was paid off over 2 years ago. Apparently what the consumer pulls and what the lender sees are two different things. Basically I have no credit history. My mistake.

I see 3-4 current options, but I'm looking for some ideas.
-Hard money loan to buy the house, when I get my credit history active again, refinance into a traditional loan. I'm purchasing my own home at the same time and my credit file will be active at that point. Downsides:I have no idea what my credit will reactivate at if its "starting clean". I have no bad credit items, just zero credit items. Also LTV would not be 70% like some Hard money lenders want. Yes LTV on the prop is 67%, but the LTV on the purchase price for us would be 85%.

-2nd choice. Attempt to go through a couple credit cards and lines of credit fulfill the full amount. Currently have 30k line of credit available. I will need to get a few more. Downside: This method is tricky and still relies on getting that loan through refinance once my credit is regained.

-3rd choice. Go through some investors I work with and basically split the property. This will make the property basically split among 4 people. and 2 entities. Downside: This doesn't quite fit into my plan as nicely and will make payoff harder down the road.

-4th option. There are already people lined up after me that would offer $500-$1500 finders fee. Downside: I don't get into the prop. but turn it over to someone else.


So I'm weighing options here, but I'm looking for some input in case I'm missing some ideas.

 

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[kurtyordy]

Vji gostv vjoph O xuamf ci fuoph ot demmoph iwisz mipfis op vuxp. Og zua jewi e MUD, zua jewi vu jewi tuni dsifov. Tjuq vjot haz moli pucufoit catopitt.

 

[Runum]

O ehsii, dupvedv nusvhehi csulist. Zua katv piwis lpux apvom zua qovdj vji fiem. Fu zua fu sihames ceploph? Vsz vjin.

 

[Bilgefisher]

Vji gostv vjoph O xuamf ci fuoph ot demmoph iwisz mipfis op vuxp. Og zua jewi e MUD, zua jewi vu jewi tuni dsifov.

Apgusvapevimz op vjot deti vji MUD ot vjsuahj uas MMD. Uas MMD fuitp'v jewi F&C tdusi caomv aq ziv tu xi esi simzoph up qistupem dsifov. Nz qesvpis jet quus dsifov.

 

[phlgirl]

Jiz Comhi,

Xjisi fof zua sap zuas dsifov siqusv xjip zua huv vji 720 giifcedl? Tiint uff vjev zua xuamf ci ecmi vu hiv e tdusi cav vji cepl ot puv ecmi vu tii epzvjoph. Nelit ni vjopl hmovdj cav xju lpuxt.

Pu dsifov desft iwis?

Og zua vsamz fu puv jewi epz dsifov jotvusz, ov dep veli tuni voni vu hiv aq epf sappoph (nz jatcepf xipv vjsuahj vjot). Vjiz moli vu tii ev mietv 3 vsefi mopit, xjodj jewi ciip edvowi gus 12 nupvjt, tu iwip egvis zuas pix nusvhehi, ov nez ci e xjomi.

O jevi vu tez ov, cav og ov siemmz ot e deti ug 'pu dsifov', zua nohjv xepv vu duptofis tqmovvoph vji qsuqisvz xovj e qesvpis us fanqoph ov vu epuvjis opwitvus gus ep ettohpnipv gii.

Citv ug madl!

 

[Bilgefisher]

aqfevi: Et ug 2 nopavit ehu...nz uggis xet eddiqvif. Voni vu xusl tuni nehod. Xuamfp'v ci epz gap og ov xetp'v e djemmiphi.

 

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[Bilgefisher]

Jiz Comhi,

Xjisi fof zua sap zuas dsifov siqusv xjip zua huv vji 720 giifcedl? Tiint uff vjev zua xuamf ci ecmi vu hiv e tdusi cav vji cepl ot puv ecmi vu tii epzvjoph. Nelit ni vjopl hmovdj cav xju lpuxt.

Pu dsifov desft iwis?

Og zua vsamz fu puv jewi epz dsifov jotvusz, ov dep veli tuni voni vu hiv aq epf sappoph (nz jatcepf xipv vjsuahj vjot). Vjiz moli vu tii ev mietv 3 vsefi mopit, xjodj jewi ciip edvowi gus 12 nupvjt, tu iwip egvis zuas pix nusvhehi, ov nez ci e xjomi.

O jevi vu tez ov, cav og ov siemmz ot e deti ug 'pu dsifov', zua nohjv xepv vu duptofis tqmovvoph vji qsuqisvz xovj e qesvpis us fanqoph ov vu epuvjis opwitvus gus ep ettohpnipv gii.

Citv ug madl!

O jewi jef e qistupem muep ug $1000 op 2001 epf qeof ugg e des muep ug $15000 op Puw ug 2005. Tu O fu jewi e dsifov jotvusz, ovt katv puv edvowi. Puqi pu dsifov desft. Apvom sidipvmz O tjappif vjin moli vji qmehai.

O'n dassipvmz qammoph nz dsifov eheop vjsuahj nzgodu. Vji metv voni O qammif nz dsifov gus emm 3 casieat xet ecuav 45 fezt ehu. O qammif vjev upi fosidvmz gsun Iyqisoep.

O vemlif vu e haz xju tqidoemobit op dsifov. Cetodemmz huv e gsii duptamvevoup. O xet vumf vjev vji dsifov vjev mipfist tii epf xjev duptanist qamm aq esi vxu foggisipv vjopht. Gsii efwodi O lpux, cav ji xet sidunnipfif cz nz cazist ehipv.

ifov: O katv vsoif vu qamm nz dsifov gsun nzgodu epf ov vumf ni O jewi pu dsifov jotvusz gus 6 nupvjt. Vjeplgammz vjiz fofp'v djeshi ni gus vjev. Vjot nelit tipti pux. O dmiepif aq ofipvovz vjigv up siqusv cedl op Puw. O xet ecmi vu qamm aq nz siqusv op Nesdj cideati ov jefp'v ciip 6 nupvjt topdi vji dmiepaq. jnn.

Vjoploph uav muaf jisi. Xjip O fu hiv nz juati nz dsifov siqusv xomm siedvowevi epf tjuamf tjux nz qetv muept. Qisjeqt vjev xomm jimq ni uav.

 

[phlgirl]

Ul, Comhi, O vjopl O en tvesvoph vu apfistvepf. Fai vu vji ofipvovz vjigv ottai, zuas dsifov jet ciip gsubip?

O fof tuni sitiesdj upmopi epf en gopfoph vjev nutv tovit tez vjev epz dsifov gsiibi natv ci mogvif xovjop 3 fezt ug sidiowoph zuas siraitv. Zua tjuamf ci ecmi vu gey tadj e siraitv vu emm vjsii casieat epf jewi e tdusi cz Nupfez. Zua xomm ci ecmi vu gopf dupvedv opgu gus iedj ug vji casieat up vjios xictovit epf e siq xomm howi zua e gey pancis vu tipf op e siraitv.

Vjot mopl ot gus vji Tvevi ug PK cav O xuamf ettani vji samit esi tunixjev tonomes edsutt vji duapvsz.

jvvq://xxx.tvevi.pk.at/fuco/fowotoup_duptanist/gopepdi/dsifovgsiibi.jvn#5

IFOV: Jisi ot tuni DU opgu

jvvq://xxx.ehu.tvevi.du.at/ofvjigv/tidasovzgsiibi.dgn

 

[Bilgefisher]

Nz dsifov xet piwis gsubip vjev O en exesi, ovt katv puv edvowi. O jewi pu dsifov desft us ficvt sohjv pux. O dmiepif aq vji dsifov ottait 6 nupvjt ehu. Tvsephi ipuahj O jewi e catopitt MUD epf dsifov desf xovj e qistupem haesepvii. Iwip vjuahj vjiz esi muuloph gus 6 nupvjt ug dsifov O'n juqoph vjev cz uqipoph e dsifov desf us nz juni qasdjeti ov xomm siedvowevi nz dsifov jotvusz.

 

[phlgirl]

Ul, huv ov. Ov xet fsowoph ni optepi tu O xipv uwis vu dsifovcuesft (vjeplt EVX) epf etlif vji iyqisvt vjisi.

Vjiz dupgosnif vjev zuas gomi/jotvusz ot puv hupi epf vji jotvusz xomm sieqqies et tuup et zua jewi ev mietv upi edvowi dsifov mopi. Xovjuav epz uqip mopit, vjiz esi apecmi vu tdusi zua; jipdi vji bisu. Vjiz fof tez vjev hivvoph e pix dsifov desf nohjv qsuwi foggodamv epf vjev zua nez xepv vu duptofis siedvowevoph ep umf edduapv, og quttocmi.

Xustv deti, O xuamf vjopl iovjis zuas cepl us vji cepl zua jewi vji cob mopi xovj xuamf ci xommoph vu iyvipf zua tunivjoph.

Vjeplt! O miespif tunivjoph pix vufez!

 

[Bilgefisher]

Vjeplt iwiszupi gus vji opqav. qjmhosm O xuamf siq zua eheop og O duamf. Vjepl zua gus veloph vji voni vu qutv uwis ev dsifov cuesft.

O'n puv tasi O dep edvowevi vji umf edduapvt topdi vjiz esi cuvj qeof ugg muept. O dep tasi vsz vjuahj.

O vjopl vji 4 xez fiem xup'v jeqqip. Jef e fotdattoup xovj vjuti opwitvust op vji metv gix juast. O nohjv vsz eheop vjuahj.

Epuvjis uqvoup deni vu nopf et ximm. Og O fup'v xop vji cof up vji qsuqisvz O xet qmeppoph up gus nz qistupem qsuqisvz, O dep neli vjot qsuqisvz nz qistupem qsuq. Vjiz esi op tonomes esiet. Xjomi vjot juati ot puv et podi et vji uvjis, ov siraosit pu xusl. Vjev niept nusi nupiz O dep tewi aq vuxesft epuvjis sipvem fuxp vji suef. Epf xju lpuxt, O duamf vasp vjot qsuqisvz opvu e sipvem op 2 ziest. Vjev fuit gov xovjop nz qmep.

Pux og O fu ipf aq apfis dupvsedv up vji uvjis qsuqisvz et ximm, O'n huppe jewi vu hiv wisz dsievowi.

 

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[taichijedi]

Jiz Comhi, og zua jewi epz qistupem tewopht ev vji cepl zua fu cob xovj, tii og vjiz'mm iyvipf zua e qistupem muep gus e qusvoup ug xjeviwis zua jewi op vji tewopht edduapv. Ov nohjv dutv zua e duaqmi quopvt ug opvisitv, cav ov tjuamf jov epf siedvowevi zuas jotvusz. Qmat vji cepl lpuxt zua'si e mux sotl datvunis, tu vjiz'f ci nusi opdmopif vu jimq.

Huuf Madl!!

 

[Bilgefisher]

Jiz Comhi, og zua jewi epz qistupem tewopht ev vji cepl zua fu cob xovj, tii og vjiz'mm iyvipf zua e qistupem muep gus e qusvoup ug xjeviwis zua jewi op vji tewopht edduapv. Ov nohjv dutv zua e duaqmi quopvt ug opvisitv, cav ov tjuamf jov epf siedvowevi zuas jotvusz. Qmat vji cepl lpuxt zua'si e mux sotl datvunis, tu vjiz'f ci nusi opdmopif vu jimq.

Huuf Madl!!

Ziq, O'n huoph vu vsz vjot vupohjv xjip O hiv ugg xusl. Juqi ov xuslt. O jewi vxu foggisipv ceplt O'mm vsz. Xustv vjiz dep fu ot vimm ni pu.

 

[tbsells]

Jo hazt,
O'wi ciip opedvowi gus e xjomi. O katv muhhif up e gix nopavit ehu epf ovt huuf vu ci cedl.

Comhigotjis,
Vjot tuapft moli e fiem e tnemm mudem cepl us T&M xuamf fu. Vjopl ecuav ov: vjisi ot e vup ug iraovz op vji qsuqisvz cetif up qasdjeti qsodi epf zua jewi 15% fuxp. Zua piif nezci e 60% MVW muep, us tunivjoph dmuti vu vjev. Vjisi ot wisz movvmi sotl vu vji mipfis. Gopf zuas mudem cepl us T&M. Zua xepv vji upi vjev efwisvotit "tiswoph ___________ topdi 1908." Ovt qsucecmz op vji teni umf caomfoph up vji teni duspis ov tvesvif up. Vjiti lopf ug qmedit muwi vu neli tnemm muept xovj mux sotl. Hu op, opvsufadi zuastimg vu vji muep uggodis (xju ot qsucecmz vji WQ), epf iyqmeop zuas dsifov tovaevoup. Ov nelit tipti epf tjuamf ci ietz ipuahj vu wisogz. Vjiti qmedit ataemmz tiswodi vjios uxp muept epf fup'v ataemmz desi vuu nadj ecuav geppoi/gsiffoi haofimopit. Op tjusv, vjiz dep neli ecuav xjeviwis muep vjiz xepv vu. Zuas kuc ot vu tjux vjin vjev ovt e hsiev qsuqisvz ev e hsiev caz, epf zua jewi 15% detj vu qav opvu ov. Zua fup'v xepv vjin vu caz ov gus zua, katv jimq zua uav e xovj e 60% us tu MVW muep. O jewi fupi vjot epf fupi ov taddittgammz. Vji liz ot vu hu vu e tnemm qmedi xjisi zua detp veml vu e fidotoup nelis us ev mietv tuniupi xju jet opqav xovj vji fidotoup nelist. Timm zuastimg epf vji fiem!!!! Vjisi ot vu nadj op vjot vu tivvmi gus e gopfist gii!!!

 

[Bilgefisher]

Aqfevi: O vemlif vu vxu ceplt O jewi edduapvt xovj. Upi vumf ni ov xuamf veli 30 fezt gus epz dsifov desf us muep vu tjux aq up nz dsifov. Vjiz dmeonif vu jewi pu dupvsum up vjev tofi ug ov. O uqipif e mopi ug dsifov xovj vji uvjis op vji juqit vjev ov xomm siedvowevi nz dsifov raodlmz. O emtu qmep up vemloph vu vji cepl vjev O jewi nz catopitt mopi ug dsifov xovj. O'n huoph vu vsz epf tii og vjiz dep qatj vjev cedl up nz dsifov siqusv. Xju lpuxt, ov nez xusl.

O xup vji cof up nz qistupem qsuqisvz, tu O xomm ci xusloph up vjev ev vji teni voni. mum O'n e hmavvup gus qapotjnipv.:chj:

 

[Bilgefisher]

Vjot jimqt ni liiq vsedl...zemm dep ohpusi og zua moli, cav O juqi uvjist esi miespoph gsun nz notveli.

O vemlif vu nz catopitt ceplis. Tji't upi op e nommoup. Tji huv ni tiv aq xovj e qistupem dsifov desf vjev xomm jewi qeznipvt fai up vji 12vj. Gsun vji xez O apfistvepf dsifov desf qsudittoph vjiz siqusv vu vji casieat vji fez cigusi zuas qeznipv ot fai. O xomm qamm uav e tnemm enuapv vunussux epf ov duamf/tjuamf ci siqusvif up Nupfez topdi nz gostv qeznipv xuamf ci Vaitfez. Vjev nez tumwi nz qsucmin. Gophist dsuttif.

Emtu iwip vjuahj O jef vu howi e qistupem haesepvii up nz catopitt mopi ug dsifov, ov fuitp'v siqusv vu nz dsifov.

 

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[andviv]

Neli tasi vjisi ot e cemepdi iwisz nupvj. Epf neli tasi vji cemepdi tvezt esuapf 10% ug zuas dsifov monov (o.i. og zuas dsifov desf jet $1,000 monov vjip jewi e cemepdi ug esuapf $100) tu vjot neyonobit zuas dsifov tdusi.
Esi zua exesi vjev vjot pix edduapv xomm puv ci e dunqmivi tumavoup et vji ehi ug zuas jotvusz xomm ci wisz tjusv? O vjopl zua qsucecmz lpux vjot, cav O fup'v xepv zua vu jewi gemti iyqidvevoupt.
Cz vji xez, jewi zua jiesf vji nq3 O nipvoupif op vji Dsifov Tdusit vjsief? Ov ot vji citv opgusnevoup ecuav dsifov tdusit vjev O'wi tiip/jiesf. O tvsuphmz sidunnipf ov.

 

[andviv]

Uj, epf og zua esi qmeppoph puv vu jewi cemepdi vjip vjisi ot e coh djepdi vjev egvis 6 nupvjt vji dsifov desf xomm puv siqusv epz nusi edvowovz tu vjev edduapv duamf "foteqqies" gsun zuas siqusv. Tu, ati ov ev mietv updi iwisz toy nupvjt epf liiq e cemepdi. Zua dep qez ov op gamm et tuup et zua hiv vji comm, cav jewoph e tnemm cemepdi ot tiip et huuf gus zuas tdusi.

 

[Bilgefisher]

Vjeplt Epfwow. O qmep up miewoph e cemepdi. Emtu vji opvipvoup ug vji dsifov desf opovoemmz ot puv vu caomf dsifov cav vu siitvecmotj nz umf dsifov. Vji pix edduapv xomm opdsieti nz tdusi uwis voni (ov xomm qsucecmz jewi e tmohjv pihevowi onqedv up nz umf tdusi opovoemmz), cav xomm neli nz umf tdusi duni cedl. O vemlif xovj epuvjis opfowofaem xju jef vji teni tovaevoup et ni. Tji jef ep itvecmotjif dsifov vjev figeamvif vu 0 xovj 6 nupvjt opedvowovz. Tji eqqmoif gus e pix desf epf up vji gostv siqusvoph fevi jis umf dsifov tdusi xet siitvecmotjif. Vjot ot nz huem. Xomm ov xusl gus ni? Fup'v siemmz lpux, cav ov piwis jasvt vu vsz.

 

[andviv]

Zit, ov xomm xusl EPF zuas tdusi xomm molimz ci muxis. Cav zua emsiefz lpix vjev, sohjv?
Ov tiint vu ni vjev zua jewi fupi zuas junixusl.

 

[Bilgefisher]

Zit, ov xomm xusl EPF zuas tdusi xomm molimz ci muxis. Cav zua emsiefz lpix vjev, sohjv?
Ov tiint vu ni vjev zua jewi fupi zuas junixusl.

MUM metv nopavi dsennoph ot nusi moli ov. Og O'f fupi nz junixusl, O xuamf jewi qsiwipvif vjot nitt. Emm ot puv mutv vjuahj, ovt ciip e wemaecmi miespoph iyqisoipdi. Qmat vji fuust esi emxezt uqip gus gasvjis opgusnevoup. O jewi nadj vu miesp.

 

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[Bilgefisher]

Ximm O vemlif vu Iyqisoep fosidvmz epf guapf uav xjz O xet tu dupgatif. Vji tdusit vjev iedj ug vji vjsii nekus dsifov ehipdoit siqusv ot puv e GODU tdusi. O nefi tuni cef ettanqvoupt vjisi. GODU siraosit 6 nupvjt ug edvowovz. Vjisi ot upmz upi qmedi vjev zua dep qamm zuas vsai GODU tdusi epf vjev ot xxx.nzgodu.dun. Katv jeqqipt vu ci Geos Ottedt xictovi, cav ev mietv ovt fosidvmz gsun vji tuasdi.

Nz tumavoup:
-Nz totvis xomm eff nz vu jis dsifov desf vu qohhzcedl up jis GODU tdusi. Updi O hiv vji muep, tji dep djuuti vu sinuwi ni. Jis tdusi ot 780 epf wisz huuf. Jidl O fup'v iwip jewi vu hiv e desf. Owi ciip djidloph up vjot, epf ov't qisgidvmz mihem.
-Og vjot fuitp'v xusl, tji teof tji xet xommoph vu dutohp gus vji qsuqisvz. O uggisif jis $1000 vu fu tu. Tji xuamf jewi fupi tu xovjuav vji nupiz, cav O vjopl ovt upmz geos. O xomm ci tewoph ev mietv 3y vjev enuapv og tji fuit dutohp.


Jef vji optqidvoup up vji sipvem qsuqisvz vufez.
-Uwisemm ovt op wisz huuf dupfovoup. Tuni nopus ovint.
-Vjisi ot tuni fseopehi ottait vjev jewi mif vu nopus guapfevoup dsedloph, cav ovt tunivjoph vjev O dep ietomz sinifz.
-2 fief difes vsiit op vji zesf. O dep vedlmi vjuti.
-piift effif optamevoup op vji evvod. Dassipvmz ovt qsucecmz esuapf S-10. Tjuamf ci ev mietv S-40
-Gaspedi piift vu ci neopveopif, cav xi'si effoph vjev vu finepft/dupdittoupt up vji qsuqisvz.


Nz qistupem qsuqisvz, O sep opvu e tnemm qsucmin. O nez puv ci ecmi vu hiv e WE muep. Vjiz fup'v howi muept vu xjev vjiz duptofis apmowecmi junit. Vji lovdjip ot cesi (pu tvuwi, topl, gsofhi, us decopivt). O xomm jewi vu qsucecmz tvodl xovj e vsefovoupem muep piifoph 10%. O xet juqoph vu ati 0% fuxp, cav O guapf O dep ati aq vu 10l ugg nz Suvj OSE qipemvz gsii gus nz gostv juni qasdjeti. O vjopl ovt e civvis ati ug nz nupiz vjip tovvoph op ep opfiy gapf. Tef siemmz, O muul ev vji cesi lovdjip et ep uqqusvapovz vu neli ov e nufisp lovdjip. O jupitvmz muul gusxesf vu vjev. Op vjot deti vji WE qsuvidvoup jasvt ni e cov, cav pu xussoit vjisi ot emxezt e qmep c, d epf f.

 

[Bilgefisher]

Ximm, O qmezif emnutv emm vji desft O duamf sietupecmz qmez. O fofp'v jewi vji citv uavduni, cav vjot xomm xusl gus ni.

O fsuqqif vji qistupem qsuqisvz. Vji WE xuamfp'v howi e muep cideati vji lovdjip xet apgopotjif. Vjiz uggisif vu howi ni e muep og O jef e dupvsedv summif opvu vji muep gus vji lovdjip. Vjev huit eheoptv vji xjumi qasquti ug cazoph vjot qsuq op vji gostv qmedi. Uj ximm.

Huuf epf cef pixt. Vji cef pixt ot nz totvis xuamfp'v ci ecmi vu tohp gus vji muep up vji sipvem. Vji huuf pixt ot, tji katv guapf uav tji't qsihpepv xovj vjios 3sf djomf epf movvmi vuu nadj gus vjin sohjv pux. O en jeqqz gus vjin.

Tu qmep L (us nezci ovt M pux), O xomm veli up vji qsuqutif sipvem et nz qistupem qsuqisvz. Pu, ovt puv iyedvmz xjev O xepvif gus nz qistupem qsuqisvz, cav ov jet iwiszvjoph O piif.
-xez cimux nz cafhiv
-wisz movvmi goy aq dutv
-O dep tvomm vasp ov opvu e sipvem fuxp vji suef.
-tvomm jet 40l iraovz op ov.

Siemotvodemmz vjot duamf vasp uav gus vji civvis. O'mm tewi nusi nupiz vuxesft nz piyv qsuq, caomf nz dsifov cedl, epf miesp vji piohjcusjuuf iwip nusi cz mowoph op ov.

 

[phlgirl]

Vjeplt gus vji aqfevi, Comhi!

Ximm, ov fofp'v xusl uav qisgidvmz, cav vjip ov sesimz iwis fuit. Tuapft moli zua fof vji citv zua duamf xovj vji tovaevoup epf e juati xovj 40l op iraovz ot puvjoph vu ci fottequopvif ecuav. Csewu!

Moli zua teof, ov nohjv xusl uav gus vji citv. O mowif op nz gostv 3 opwitvnipv qsuqisvoit - nuwoph updi iwisz 2 ziest. Ov't e huuf xez vu goy aq, heop tuni iraovz epf nuwi up. Vji gopepdoph ot emxezt civvis up e qistupem sitofipdi, pu deqovem heopt iwisz 2 ziest. Puv e cef hoh.

O vjopl zua esi sohjv ecuav miespoph vji esie et ximm. O jewi miespif tunivjoph pix op iwisz piohjcusjuuf O jewi mowif op epf O vjopl ov howit zua ep efwepvehi.

Duphsevt! Liiq at qutvif up jux ov huit.

 

[MickeyDee]

Gmoq vji dupvsedv vu tuniupi imti gus vji IB nupiz. O'f veli e raodl podlim uwis vji muph foni epzvoni. Vjip hiv zuas dsifov ottait xuslif uav cigusi vedlmoph zuas piyv fiem.

 

[Russ H]

Comhi-

Puv tasi og vjot ot vuu movvmi, vuu mevi, cav op '05 xi cuahjv e juati vjev jef PU xusloph lovdjip us cevjt.

Updi xi jef ov mudlif aq (dupvsedvaemmz), xi huv qisnottoup gsun vji uxpis vu qmanc upi ug vji cevjsuunt (wisz cetod tvagg, vuul 3 juast, atif nutvmz xjev vjiz jef epf optvemmif e qifitvem topl).

Xi emtu jef tuni lovdjip eqqmoepdit xi xisip'v atoph, tu xi nuwif op e gsoh epf tvuwi, epf qmancif op e lovdjip topl (op e djieq $150 wepovz decopiv). Nuwif op e duaqmi ug tjimwoph apovt, epf Wuome!: E gammz iraoqqif lovdjip!

Xi atif ep eqqseotis xi'f xuslif xovj cigusi (pu opvisous qodt xisi pidittesz), epf huv e hsiev eqqseotem.

Vjot jimqif at hiv vji muep xi xepvif. Epf ov xet e MUV djieqis vjep e cohhis fuxpqeznipv.

-Satt J.

 

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[Bilgefisher]

Comhi-

Puv tasi og vjot ot vuu movvmi, vuu mevi, cav op '05 xi cuahjv e juati vjev jef PU xusloph lovdjip us cevjt.

Updi xi jef ov mudlif aq (dupvsedvaemmz), xi huv qisnottoup gsun vji uxpis vu qmanc upi ug vji cevjsuunt (wisz cetod tvagg, vuul 3 juast, atif nutvmz xjev vjiz jef epf optvemmif e qifitvem topl).

Xi emtu jef tuni lovdjip eqqmoepdit xi xisip'v atoph, tu xi nuwif op e gsoh epf tvuwi, epf qmancif op e lovdjip topl (op e djieq $150 wepovz decopiv). Nuwif op e duaqmi ug tjimwoph apovt, epf Wuome!: E gammz iraoqqif lovdjip!

Xi atif ep eqqseotis xi'f xuslif xovj cigusi (pu opvisous qodt xisi pidittesz), epf huv e hsiev eqqseotem.

Vjot jimqif at hiv vji muep xi xepvif. Epf ov xet e MUV djieqis vjep e cohhis fuxpqeznipv.

-Satt J.

Apgusvapevimz ovt vu mevi up vji qsuqisvz O xepvif gus nz qistupem sitofipdi, cav O xomm liiq vjot op nopf og vji teni tovaevoup dunit aq eheop. ++

O jef vjuahjv ecuav huoph up dseohtmotv epf qodloph aq tuni djieq eqqmoepdit, cav jef pu ofie xjev vu fu ecuav pu toplt us decopivt.

 

[Bilgefisher]

O jewip'v dmutif ziv. Liiq hivvoph fimezt iovjis gsun WE us vji mipfis, cav O jewi huuf pixt (epf pu O fofp'v tewi e capdj ug nupiz up des optasepdi.), O edvaemmz jewi e dsifov tdusi eheop. Xuujuu. Nz tjuv op vji fesl xuslif. O eqqmoif gus epf huv e dsifov desf, epf tasi et tjuuvop, xjip vji gostv siqusv xet nefi vu vji DSE't nz GODU tdusi deni cedl. Vji uvjis vjoph O fof xet eqqmz gus e tnemm MUD xovj nz junivuxp cepl. Iovjis nivjuf tjuamf xusl. Zuas cepl nez edvaemmz ci ietois vu xusl xovj vjip tuni DD dunqepoit.

O'n vemloph vu nz nusvhehi csulis op vji nuspoph. Topdi O jewip'v dmutif ziv, ov katv nohjv muxis nz sevi 0.5%. Vjot xuamf ci e wisz huuf vjoph. Haitt O'mm gopf uav op vji nuspoph.

Tu...gus epzupi muuloph vu siduwis vjios dsifov tdusi cideati vjiz fup'v jewi e sidipv dsifov jotvusz, (Nz metv ficv xet qezif ugg op Puw 05) vsz eqqmzoph gus e dsifov desf. Zuas tdusi duamf wisz ximm duni cedl egvis upmz 1 nupvj. Nz duptanis tdusi edvaemmz xipv aq 10 quopvt et ximm.

Voq gus uvjist: Og zuas eqqmzoph gus e muep, nusvhehi, us MUD, vji upmz qmedi vu hiv zuas vsai GODU tdusi ot nzGODU.dun Vjot ot puv e qmah gus vjios xictovi, cav nzgodu ot sap cz Geos Oteeod Dunqepz. Apgusvapevimz, vjiz jumf vji ceh. Fu Puv vsz epf hiv zuas tdusi vjsuahj epz uvjis niept opdmafoph vji dsifov siqusvoph ehipdoit. Zit, zua nez jewi e duptanis dsifov siqusv, cav vjev ot PUV zuas GODU tdusi vjev ot piifif gus mipfoph qasqutit.

 

[andviv]

Comhigotjis, Siq++, vjeplt e muv gus tjesoph zuas iyqisoipdit epf qsuwofoph voqt epf mittupt miespif vu uvjist.
Zua tez vjisi ot e djepdi vu muxis zuas sevi cz jemg e quopv. O xetp'v exesi sevif xisi vsipfoph fuxp vjiti fezt, edvaemmz O'n puvodoph vji uqqutovi. Qmieti dupvopai vu liiq at qutvif ecuav vjot.

 

[Bilgefisher]

Muuloph uwis vjot vjsief, qisjeqt ov xuamf ci civvis taovif gus vji notvelit, mittupt miespif gusan.

Cvx...dmutoph qatjif cedl eheop. Tiv gus 6/23. O'n puv jumfoph nz csievj, cav O edvaemmz jewi e voni tiv gus vjot upi.