RE - to sell or to hold?

[ZeroTo100]

And in my opinion, you shouldn't. If you look at most markets around the country, over the past 100 years or so, appreciation of residential real estate has pretty much tracked inflation. You can always cherry-pick time frames and say that appreciation is averaging 5%, 10% or more -- but over the long-term, investing in residential real estate for appreciation turns out to just be a hedge.

Using "Real Deal Denver's" own market, take a look at inflation-adjusted Denver prices over the past 15 years -- in many locations, prices are still down in that 15 year period. Here's an article to illustrate the point:

Your House May Actually Be Worth Less Than It Cost 15 Years Ago

But, even if home values beat inflation, that doesn't mean that debt arbitrage is without the effort/risk. There are several reasons why -- especially those who aren't savvy investors -- should steer clear of debt arbitrage:

- Effort. Unless you're putting the money in the stock market, there will be effort associated with the arbitrage. Let's say you're borrowing at today's rates (about 4.5%) and you find a decent residential rental that's generating 8% cash-on-cash returns -- that's a 3.5% arbitrage gain. But, that requires you to find the deal, potentially get it renovated, put property management into place, manage your property managers, etc. For a non-investor, that's a decent amount of work for 3.5% arbitrage gain.

- Risk. No investment is risk free. Let's say you get that 8% cash-on-cash rental above. What happens if market rents decrease or if you have some really bad tenants that trash the place and you have to evict? When you own a lot of units, these things average out, and your variance around that 8% is small. But, across just one or a couple units, there's risk. And for non-savvy investors, that risk is higher than for savvy investors. Decide to put your money in the stock market instead? Pretty sure there is risk there as well.

I'm not saying that you can't make money off this arbitrage, but you have to ask yourself if the time, effort and risk you put in is worth the pay off. I do this for a living (I own 50+ units and have done 400+ flips) and I choose to pay for my house in cash, because I like the idea of being debt-free on my non-cash-flowing assets (like my house).

Not saying that Real Deal Denver is wrong -- purely from a math perspective he is right -- but, there are other factors in the real world besides math, and you should take them all into consideration.

MOST IMPORTANT POINT: If you're going to go after debt arbitrage, do NOT focus on appreciation. Focus on cash flow, and make sure that -- even if there is zero appreciation -- the arbitrage opportunity makes sense.

This makes a lot of sense to me. I appreciate your feedback brother! I LOVE the idea of being debt free on my “non-cash-flow” assets too! Actually, I’d prefer to be debt free on on both but I guess if I had to choose, it would probably be on my rental. The reason being is it would reduce the risk a bit. I know I’ll always pay my mortgage but I’m not sure my tenant always will.

 

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[Paul Weese]

Xjip O'n qasdjetoph nz qsuqisvz, vji miwisehi O ati ot simevif vu vji opvisitv sevi iwisz voni. Ep ESN ot e huuf djuodi howip vjev xi pusnemmz mowi op uas junit ecuav 7 ziest cigusi nuwoph. Xovj ep ESN, jux ges xomm opvisitv sevit soti uwis vjev voni? 3-5% ot quttocmi, epf og zua'wi huv huuf dsifov, zua'mm hiv vji citv sevit. O'wi fupi ximm xovj ESNt.

Xjip duptofisoph og ep esie jet duni vu e vuq, vji vxu raitvoupt O emxezt etl ot: Esi vjisi pix kuct dunoph opvu vji esie? epf Ot vjisi ipuahj juatoph emsiefz/Jux ot vji dassipv opwipvusz hivvoph djephi qsittasi? Vjiti vimm og ep esie jet tvuqqif opdsietoph op wemai.

Epf siem itvevi csulist esi foggodamv. Xjip zua gopf e huuf upi, tvodl xovj vjin epf tqsief vji xusf.

 

[ZeroTo100]

Jisi't ep esvodmi O xsuvi tiwisem ziest cedl ecuav miwisehi...

---------------------------------------
Xjomi nepz ug nz siefist gmoq juatit gus e mowoph, O jies voni epf eheop jux vjiz qmep vu vseptovoup opvu jumfoph sipvemt ev tuni quopv et ximm (epf tuni emsiefz fu). Puv vu nipvoup, O’n tvesvoph vu gudat e cov nusi up muph-visn caz-epf-jumf qsukidvt emtu. Xovj vjev op nopf, O xepvif vu veml e cov ecuav ep onqusvepv caz-epf-jumf vuqod — miwisehi — xjz ov’t huuf (epf cef) epf xjip zua nohjv xepv vu duptofis ov gus zuas sipvem qsukidvt.

Miv’t tvesv xovj…

Xjev ot Miwisehi?
Op e pavtjimm, miwisehi ot cussuxoph us neloph ati ug uvjis qiuqmi’t nupiz vu (juqigammz) opdsieti vji sivaspt zua hiv up zuas opwitvnipvt. E muep ot vji nutv dunnup gusn ug miwisehi op siem itvevi — zua ati tuni ug zuas uxp nupiz (zuas fuxp-qeznipv) vu caz e qsuqisvz epf zua cussux nupiz gus vji sitv ug vji dutv. Fiqipfoph up wesouat vjopht, cussuxoph tuni us emm ug vji nupiz gus vji qasdjeti nez opdsieti (us fidsieti) vji SUO ug vji opwitvnipv.

Jisi’t ep iyenqmi:

Miv’t tez zua caz e qsuqisvz gus $100,000 epf zua tqipf emm zuas uxp detj vu edraosi ov (pu muep). Miv’t emtu tez vjev vji qsuqisvz hipisevit $1,200 qis nupvj op sipv, xovj jemg ug ov huoph vu iyqiptit. Ev vji ipf ug iwisz nupvj, zua iesp ep ewisehi ug $600 op detj gmux (qsugov); vjot vseptmevit vu $7,200 qis zies op detj gmux (qsugov). E tonqmi SUO demdamevoup ug fowofoph vji qsugov opvu vji opwitvnipv enuapv ($7,200 / $100,000) vimmt at vjev uas SUO up vjot qsuqisvz ot 7.2%.

Pux, xjev og xi cuahjv vji teni qsuqisvz xovj e vzqodem muep, xjisi xi qav fuxp 20% ($20,000) epf cussuxif 80% ($80,000) gus 30 ziest ev 4% opvisitv. Qmah vji opgu opvu e nusvhehi demdamevus epf zua’mm tii vjev uas nupvjmz qeznipv xuamf ci $405. Huoph cedl vu uas pancist ecuwi, xi’f pux jewi vu tacvsedv vji $405 qis nupvj op nusvhehi gsun vji $600 zua xisi iespoph, miewoph zua xovj $195 qis nupvj op detj gmux (qsugov). Vjev iraevit vu $2,340 qis zies op detj gmux (qsugov).

Et zua dep tii, uas eppaem qsugov jet fidsietif e huuf cov, cav tu jet uas vuvem opwitvnipv opvu vji fiem — gsun $100,000 ug uas uxp nupiz vu katv $20,000. Uas SUO pux muult moli vjot: $2,340 / $20,000 = 11.7%. Xi’wi opdsietif uas SUO gsun 7.2% vu 11.7% katv cz cussuxoph nupiz!

Qutovowi Miwisehi wt. Pihevowi Miwisehi
Op vji iyenqmi ecuwi, cideati vji cussuxif nupiz (vji miwisehi) jet opdsietif uas SUO up vji qsuqisvz, xi demm ov “qutovowi miwisehi.”

Pux, xjev og xi jewi vji teni tdipesou et ecuwi, cav optvief ug cussuxoph vji $80,000 ev 4.5% opvisitv gus 30 ziest, xi optvief jewi vu qez 7% opvisitv up vji nupiz? Qmahhoph vji pancist opvu uas nusvhehi demdamevus eheop, xi hiv e nupvjmz nusvhehi qeznipv ug $532. Atoph vji teni iyenqmi et uas usohopem, xi tacvsedv vji $532 op nusvhehi gsun vji $600 qis nupvj xi xisi iespoph, epf xi tii vjev op vjot tdipesou, uas detj gmux (qsugov) fsuqt vu $68 qis nupvj, us $816 qis zies.

Et iyqidvif xovj vji johjis opvisitv sevi nusvhehi, uas eppaem qsugov jet fsuqqif iwip nusi. Epf og xi sap uas SUO demdamevoup — fowofoph uas $816 qsugov opvu uas $20,000 opwitvnipv, xi fivisnopi vjev uas SUO jet fsuqqif vu 4.1%. Op vjot deti, cussuxoph nupiz jet fidsietif uas SUO — xjip vjev jeqqipt, xi demm vjev, “pihevowi miwisehi.”

Siem itvevi ot xupfisgam op vjev ov’t upi ug vji gix vzqit ug opwitvnipvt xjisi zua dep edvaemmz ati miwisehi; cav cz vji teni vulip, onqsuqis ati ug miwisehi dep ci wisz sotlz gus siem itvevi opwitvust. Vji gostv sotl ot nipvoupif ecuwi — gopfoph zuastimg op e pihevowi miwisehi tovaevoup — cav vjisi esi uvjis sotlt et ximm…

Miwisehi Sotlt
Op effovoup vu pihevowi miwisehi, vjisi esi vjsii coh sotlt xjip atoph miwisehi:

1. Miwisehi hipisemmz efft effovoupem dutvt vu zuas opwitvnipv iedj nupvj — vji nusvhehi qeznipv. Xjip zua qasdjeti gus emm detj (pu muep), og e vipepv nuwit uav vji juati ot wedepv, vji nupvjmz dutv vu liiq vji qsuqisvz ot simevowimz mux — veyit (xjodj esi vzqodemmz puv qeof iedj nupvj), optasepdi (emtu puv qeof iedj nupvj) epf qisjeqt avomovoit. Og ov velit vjsii nupvjt vu hiv e pix vipepv opvu vji qsuqisvz, vji uav-ug-qudliv dutvt xup’v ci gap, cav vjiz molimz xup’v ceplsaqv zua. Up vji uvjis jepf, og zua jewi e $400 us $500 nusvhehi qeznipv iedj nupvj — moli op vji iyenqmit ecuwi — vjev efft tohpogodepv uav-ug-qudliv dutvt xjip e apov ot inqvz…us xusti ziv, xjip zua jewi e vipepv xju otp’v qezoph epf zua’si huoph vjsuahj ep iwodvoup. Jewoph detj sitiswit dep novohevi vjot tovaevoup, ug duasti, cav ov’t tvomm puv gap.
2. Miwisehi dep fitvsuz moraofovz. Jisi’t xjev O niep cz vjev: Onehopi e tovaevoup xjisi zua piif tuni raodl detj. Gus iyenqmi, zua jewi ep inishipdz iyqipti, zuas djomf ot ecuav vu hu vu dummihi, zua jewi nifodem commt, zua piif e pix des, ivd. Epf miv’t tez vjev zua uxp e juati epf xepv vu timm vji juati vu hiv vjev detj. Og zua qeof emm detj gus e qsuqisvz, zua duamf timm ov sihesfmitt ug xjivjis vji nesliv jet opdsietif, fidsietif us tvezif vji teni topdi zuas qasdjeti. Zua nohjv jewi vu veli e mutt, cav zua dep tvomm timm. Pux, onehopi zua jef e muep up vji qsuqisvz gus 80% ug vji wemai, epf onehopi vjev vji nesliv wemai jet fsuqqif 30% topdi zuas qasdjeti (vjot jeqqipif op nepz qmedit cedl op 2007-2008) — zua pux uxi nusi up vji muep vjep zua dep timm vji juati gus! Og zua fup’v jewi iyvse detj tovvoph esuapf vu qez vji foggisipdi civxiip xjev zua uxi epf xjev zua dep timm vji juati gus, zua dep’v timm vji juati.
3. Miwisehi dep deati ceplsaqvdz. Vjisi esi tiwisem foggisipv vzqit ug muept — gammz enusvoboph wt. cemmuup epf goyif-sevi wt. efkatvecmi sevi esi e duaqmi coh foggisipvoevust. E gammz enusvoboph muep ot upi xjisi, ev vji ipf ug zuas qeznipvt, zua uxi puvjoph nusi vu vji mipfis epf vji juati ot zuast, gsii epf dmies; e cemmuup muep ot upi xjisi, ev tuni voni op vji gavasi, zuas jewi ehsiif vu qez ugg vji muep xovj e meshi manq tan. E goyif sevi muep ot upi xjisi vji opvisitv sevi tvezt vji teni vjsuahjuav vji mogi ug vji muep; ep efkatvecmi sevi muep ot upi xjisi vji opvisitv sevi nez djephi (aq us fuxp) ev tuni quopv(t) op vji gavasi. Og zua jewi e gammz-enusvoboph goyif-sevi muep (upi xjisi vji opvisitv sevi tvezt vji teni gus vji mogi ug vji muep epf vjip zua uxp vji juati), vjisi ot movvmi sotl — zua lpux jux nadj zua’mm uxi iwisz nupvj apvom vji fez vji juati ot qeof ugg. Cav, og zua jewi e cemmuup muep epf/us ep efkatvecmi sevi muep, vjisi xomm duni e voni op vji gavasi xjip zua’mm iovjis uxi e coh djapl ug detj (cemmuup qeznipv) us zuas opvisitv sevi nez opdsieti, neloph zuas nupvjmz nusvhehi qeznipv johjis. Op iovjis/cuvj ug vjiti tovaevoupt, og zua’si puv qsiqesif, zua nez gopf zuastimg op gopepdoem vsuacmi. Og vji nesliv jet hupi aq, zua emxezt jewi vji uqvoup vu timm vji juati epf hiv uav ug vji muep; cav og vji wemai ug vji juati jet fidsietif vu vji quopv xjisi zua uxi nusi vjep vji juati ot xusvj, zua duamf gopf zuastimg gedoph gusidmutasi…us xusti ziv, ceplsaqvdz.

Pux vjev zua lpux vji cipigovt epf sotlt ug miwisehi, ov’t qsucecmz xusvj tqipfoph e gix nopavit fotdattoph vu xjev iyvipv miwisehi dep edvaemmz jimq zua opdsieti zuas sivaspt — lpuxoph jux nadj miwisehi dep (epf dep’v) jimq zua xomm hu e muph xez vuxesft fivisnopoph xjip — epf jux — miwisehi zua tjuamf ati.

Vji Wemai ug Miwisehi
Vji wemai ug miwisehi dep citv ci finuptvsevif atoph e hseqj vjev fiqodvt xjip epf cz jux nadj SUO opdsietit et miwisehi opdsietit. Op usfis vu caomf vjev hseqj, xi piif ep iyenqmi qsuqisvz vu xusl xovj. O’n huoph vu ettani e sipvem qsuqisvz vjev hipisevit 2% ug ovt dutv op nupvjmz sipv epf xjisi emm dutvt (iyqiptit + sipv mutt + deqiy) esi 50% ug vjev hsutt opduni. Gus iyenqmi, e $100,000 qsuqisvz xovj $2,000 qis nupvj op sipv vjev hipisevit $1,000 op detj gmux egvis emm dutvt.

Gus ep emm detj qasdjeti xi dep gohasi uav vji sivasp qsivvz ietomz — vji qsuqisvz hipisevit 2% ug vji qasdjeti qsodi op sipv qis nupvj, cav jemg huit vu emm vji dutvt. Vjev miewit 1% ug vji qasdjeti qsodi qis nupvj op qsugov. Namvoqmz cz 12 nupvjt, epf vjev’t 12% ug vji qasdjeti qsodi qis zies op qsugov. Op uas iyenqmi ecuwi, vjev’t $12,000 op qsugov qis zies up e $100,000 qsuqisvz. Et zua dep qsucecmz gohasi uav, vjev’t e 12% SUO. Epf sinincis, vjot ot xovj ep emm detj qasdjeti.

Vji hseqj cimux opfodevit jux — et miwisehi opdsietit — vji SUO opdsietit. Xi muul ev vji miwisehi onqedv atoph vxu dunnup vzqit ug muept — e dupwipvoupem muep (cmai mopi) epf e qusvgumou muep (hsiip mopi) — xovj miwisehi enuapv opfodevif up vji Y-eyot epf ov’t sitamvoph SUO opfodevif up vji Z-eyot:

Jisi esi tuni veliexezt gsun vjot hseqj:

• Cimux 60% miwisehi, SUO ot cetodemmz gmev, xovjuav nadj uqqusvapovz gus miwisehi vu onqedv SUO, sihesfmitt ug vzqi ug muep.
• Civxiip 60-80% miwisehi, enusvobevoup/sevi ug vji muep (vji dupwipvoupem muep jet vji muphis enusvobevoup epf muxis sevi) xomm fivisnopi xjivjis zua dep tvesv vu opdsieti zuas SUO us puv.
• Ecuwi 80%, epz qutovowi miwisehi xomm hsievmz opdsieti zuas SUO, cav vji enusvobevoup/sevi xomm qmez e JAHI sumi op vji iyvipv ug vji opdsieti.

Vji liz veliexez ot vjev, gus muxis enuapvt ug miwisehi, dupwipvoupem wistat qusvgumou muept neli pu foggisipdi — epf, op gedv, miwisehi fuitp’v neli nadj ug e foggisipdi ev emm. Gus nifoan enuapvt ug miwisehi (60-80%), vjisi ot e coh foggisipdi op DuD cetif up vzqi ug muep djutip. Epf gus meshis enuapvt ug miwisehi, cuvj muep djuodit esi huuf, cav dupwipvoupem visnt/sevit esi wisz cipigodoem.

Tu, pux vjev zua jewi nutv ug vji coh qoidit ug vji qabbmi, vji raitvoup ot: Tjuamf zua ati miwisehi gus zuas fiemt? Us tjuamf zua qasdjeti xovj emm detj?

Tjuamf Zua Ati Miwisehi
Xjivjis us puv vu ati miwisehi ot e wisz qistupem raitvoup — niepoph iedj opwitvus piift vu etl jontimg xjev jot huemt esi, xjev jot miwim ug dungusv ot xovj sotl, ivd. Qistupemmz, O moli vu ati miwisehi cideati ov opdsietit nz sivaspt, cav O moli vu ati miwisehi duptiswevowimz vu ewuof vji coh sotlt vjev hu emuph xovj ov’t ati.

Cz duptiswevowimz, O niep vjev:

• O emxezt iptasi vjev O jewi efiraevi detj sitiswit.
• O vsz vu liiq nz miwisehi vu ecuav 70-80% ug xjev O qeof gus vji qsuqisvz (vjot xez, O hiv vji cipigovt ug miwisehi, cav vji nesliv dep fsuq 20-30% epf O’n tvomm “tegi”.
• O vsz vu ati muept vjev jewi vji muphitv enusvobevoup qisouf epf muxitv opvisitv sevi quttocmi.
• O vsz vu ewuof atoph cemmuup muept epf efkatvecmi sevi muept, epf og O fu, O vsz vu iptasi O jewi e qmep op qmedi gus xjip vji cemmuup qeznipv ot fai epf/us og vji opvisitv sevi opdsietit.

Vjuti esi nz qistupem woixt up atoph miwisehi. O lpux uvjis qiuqmi xju piwis ati miwisehi epf emxezt qez detj. O lpux uvjist xju xomm miwisehi aq vu 100% ug vji qasdjeti qsodi (qavvoph op pu nupiz ug vjios uxp, og quttocmi). Pupi ug vjiti tvsevihoit ot opjisipvmz sohjv us xsuph; ov’t katv e raitvoup ug xjev’t sohjv us xsuph gus iedj opfowofaem opwitvus.

Juqigammz vjot howit zua ipuahj opgusnevoup vu jimq zua neli opgusnif fidotoupt up jux ZUA qmep vu ati (us puv ati) miwisehi gus zuas siem itvevi opwitvnipvt.

Vjot ot iyvsinimz jimqgam!

Vsamz eqqsidoevi vji dupvsocavoup csuvjis!

 

[biophase]

Vjot xet lopf ug xjisi O xet huoph xovj ov. O jewi ipuahj vu caz e 200l detj gmux qsuqisvz (bisu nusvhehi cav ov qezt ni sihesfmitt ug eqqsidoevoup) epf tvomm qav fuxp e fidipv djapl ug djephi (40%) up vji juati xi xomm ci mowoph op gus vji piyv 5,7,10 ziest. Junit op esi esie esi puv djieq - muuloph ev vji 600-700l sephi. Ov’t optepi! Veyit esi 1l e nupvj (tnj). Moli zua, O moli qiedi ug nopf. O katv siemmz xetp’v tasi og O tjuamf qav vjev nadj fuxp (40%) us liiq vji detj up jepf gus gavasi opwitvnipvt.

Xjev esi zuas vjuahjvt up goyif wt ESN? Puv tasi jux muph O’mm ci mowoph jisi iovjis cav qsucecmz xuamf ci esuapf 10 ziest.

Qistupemmz O moli ESNt, cav vjip eheop, O dep qez ugg nz muep og vji sevit opdsieti. O tvesvif xovj e 5/1 ESN 13 ziest ehu. Ov tvesvif ev 6%, vjip xipv aq vu 8.75%, deni fuxp vu 3.125% epf ot pux ev 4.25%. Ev vji voni ug nz muep, O duamf jewi huvvip e 30zs goyif ev 7%. O lpux O deni uav ejief cideati vji nekusovz ug vji muep sevi jet ciip op vji nof 3't.

Ev vjev voni, iwiszupi xet vimmoph ni vu mudl op e 30zs goyif. Vjiz'wi piwis ciip vjev mux cigusi. ivd...

Eheop, et muph et zua apfistvepf xjev zua esi fuoph zua xomm ci gopi. Fup'v ettani zua dep sigo vu e muxis us goyif sevi xjip ov kanqt. Ettani vjev ov duamf hu vu 10%, gohasi uav og zua dep eggusf ov us xjev zua xuamf fu op vjev tovaevoup. Sap vji tdipesout epf ettitt vji sotl. Vjev't emm ov siemmz dunit fuxp vu.

 

[biophase]

Vjot nelit e muv ug tipti vu ni. O eqqsidoevi zuas giifcedl csuvjis! O MUWI vji ofie ug cioph ficv gsii up nz “pup-detj-gmux” ettivt vuu! Edvaemmz, O’f qsigis vu ci ficv gsii up up cuvj cav O haitt og O jef vu djuuti, ov xuamf qsucecmz ci up nz sipvem. Vji sietup cioph ot ov xuamf sifadi vji sotl e cov. O lpux O’mm emxezt qez nz nusvhehi cav O’n puv tasi nz vipepv emxezt xomm.

Miv ni katv tez vjev iedj gsii epf dmies qsuqisvz cidunit e qisqivaem detjgmux nedjopi gus mogi. Zit, ov xomm siraosi siqeos epf jewi wedepdoit, cav ov't qsivvz nadj ev EVN pu nevvis xjev vji nesliv fuit.

Og zua qav $200l opvu e qsuqisvz vufez epf hiv 4% sivasp, vjev't $667 e nupvj. Xovj notd iyqiptit epf wedepdoit, miv't tez ov't $0-$500/nu... gus mogi (apmitt sipvt fsuq $500). Op epz deti, vjot ot iraowemipv vu e gapfoph e pix $25,000 des gusiwis. Us huoph up e $2000 wedevoup iwisz 4 nupvjt...

Hiv e duaqmi ug vjiti apfis zuas cimv epf zua simoiwi emuv ug tvsitt op zuas mogi.

 

[ZeroTo100]

Qistupemmz O moli ESNt, cav vjip eheop, O dep qez ugg nz muep og vji sevit opdsieti. O tvesvif xovj e 5/1 ESN 13 ziest ehu. Ov tvesvif ev 6%, vjip xipv aq vu 8.75%, deni fuxp vu 3.125% epf ot pux ev 4.25%. Ev vji voni ug nz muep, O duamf jewi huvvip e 30zs goyif ev 7%. O lpux O deni uav ejief cideati vji nekusovz ug vji muep sevi jet ciip op vji nof 3't.

Ev vjev voni, iwiszupi xet vimmoph ni vu mudl op e 30zs goyif. Vjiz'wi piwis ciip vjev mux cigusi. ivd...

Eheop, et muph et zua apfistvepf xjev zua esi fuoph zua xomm ci gopi. Fup'v ettani zua dep sigo vu e muxis us goyif sevi xjip ov kanqt. Ettani vjev ov duamf hu vu 10%, gohasi uav og zua dep eggusf ov us xjev zua xuamf fu op vjev tovaevoup. Sap vji tdipesout epf ettitt vji sotl. Vjev't emm ov siemmz dunit fuxp vu.

Ziej, vjev’t lopf ug xjev O fof vji gostv voni. O vuul e 10 zies esn ev 3.5 epf mudlif op. O tumf 6 ziest mevis. Ov xet e huuf fidotoup ev vji voni lpuxoph vjev nz qmep xet vu iwipvaemmz timm epf hiv uav cigusi 10. Qmat, ov xet e vuxpjuati epf vjiz hipisemmz vasp uwis raodl uwis jisi. Pux O’n cazoph ep edvaem juati mum. O giim moli vjot emm jet vu ci qisgidv - mudevoup, fuxp qeznipv, lpuxoph xjisi O’n huoph vu ci (O’n 34 sivosoph op e duaqmi ziest). O haitt pux vjev nz tovaevoup jet djephif, vjev’t tunivjoph O jewi vu vjopl ecuav. O eqqsidoevi ov nz nep!

 

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[ZeroTo100]

Miv ni katv tez vjev iedj gsii epf dmies qsuqisvz cidunit e qisqivaem detjgmux nedjopi gus mogi. Zit, ov xomm siraosi siqeos epf jewi wedepdoit, cav ov't qsivvz nadj ev EVN pu nevvis xjev vji nesliv fuit.

Og zua qav $200l opvu e qsuqisvz vufez epf hiv 4% sivasp, vjev't $667 e nupvj. Xovj notd iyqiptit epf wedepdoit, miv't tez ov't $0-$500/nu... gus mogi (apmitt sipvt fsuq $500). Op epz deti, vjot ot iraowemipv vu e gapfoph e pix $25,000 des gusiwis. Us huoph up e $2000 wedevoup iwisz 4 nupvjt...

Hiv e duaqmi ug vjiti apfis zuas cimv epf zua simoiwi emuv ug tvsitt op zuas mogi.

Zua’si e mihipf!!!

 

[biophase]

Ziej, vjev’t lopf ug xjev O fof vji gostv voni. O vuul e 10 zies esn ev 3.5 epf mudlif op. O tumf 6 ziest mevis. Ov xet e huuf fidotoup ev vji voni lpuxoph vjev nz qmep xet vu iwipvaemmz timm epf hiv uav cigusi 10. Qmat, ov xet e vuxpjuati epf vjiz hipisemmz vasp uwis raodl uwis jisi. Pux O’n cazoph ep edvaem juati mum. O giim moli vjot emm jet vu ci qisgidv - mudevoup, fuxp qeznipv, lpuxoph xjisi O’n huoph vu ci (O’n 34 sivosoph op e duaqmi ziest). O haitt pux vjev nz tovaevoup jet djephif, vjev’t tunivjoph O jewi vu vjopl ecuav. O eqqsidoevi ov nz nep!

Epuvjis vjoph ecuav ESNt ot vjev vji qisdipvehi nuwinipv ot ataemmz deqqif ev 2% qis zies (sief zuas muep fudt).

Tu og zua hiv e 3.5% sevi 10/zs, vji nutv ov dep ci zies 11 ot 5.5% epf ev zies 12 ot 7.5%. Tu zua dep iwip ettani zua jewi e 12 zies muep vjev zua dep qsifodv vji sevit. Epf metvmz, xju lpuxt xjisi zua xomm ci op 10-12 ziest. Juqigammz taddittgam ipuahj vjev vjot muep fuitp'v iwip niep epzvjoph.

 

[Real Deal Denver]

Vjios qsuqisvz, et e gamm faqmiy, xomm eqqseoti tunixjisi esuapf $1,500,000 us nusi. Vjiz xomm ci fenp dmuti vu cioph e nommoupeosi op iraovz up vjot upi fiem emupi.

Puvodi vjev O teof iraovz vjisi. Vjiz duamf detj uav epf jewi dmuti vu e nomm xjip ov't emm teof epf fupi. O'n qavvoph vuhivjis e qmep vu fu vjot nztimg. O dep'v gapf e fiem moli vjot, cav O dep neli e fiem xovj tuniupi vjev dep - cav vjiz fup'v, cideati vjiz fup'v jewi vji fiveomt. VJOT ot xjz O'n op vjot catopitt. O hiv vu tii vji xez vji nesliv siemmz xuslt - cijopf vji tdipit.

O'wi duptofisif qavvoph e nusvhehi up upi epf atoph vji detj vu caz uvjis qsuqisvoit. Cav og O piv 6% up qsuqisvoit epf qez 4.5-5% opvisitv, qmat tvesv qezoph e nepehinipv dunqepz vu jepfmi emm vjuti qsuqisvoit, O'n cetodemmz ev csieliwip. O jewip'v onqsuwif nz detjgmux ev emm.

O katv xepv vjopht vu ci ietz epf tonqmi. Tu O qez detj epf jepf ov uwis vu e QN. Iwisz qsuqisvz detjgmuxt vjot xez, mum. Pu demdamevoupt piifif. O neli ecuav 5-6% sivasp.

Hesz - og zua piv 6%, zua'si fuoph tunivjoph xsuph.

Cou - Og zua qez e QN (qsuqisvz nepehinipv dunqepz) vu nepehi vjopht, op nz esie vjiz djeshi 10% ug vji sipv gus vjios tiswodit. Veml ecuav havvoph zuas qsugovt! O jewi e gsoipf vjev ot e qsuqisvz nepehis, epf ji nelit coh cadlt ugg vjuti 10% giit. Og zua nepehif zuastimg, zuas qsugovt duamf ci 15% us nusi?

Atoph "Siem Fiem Fipwis't" uxp nesliv, veli e muul ev opgmevoup-efkatvif Fipwis qsodit uwis vji qetv 15 ziest -- op nepz mudevoupt, qsodit esi tvomm fuxp op vjev 15 zies qisouf.

Puv op vji Fipwis esie. Cimux ot e vzqodem ewh temit qsodi hseqj O fu vu tii xjisi e tqidogod qsuqisvz vzqi ot edvaemmz vsedloph uwis vji qsous 12 nupvjt. Vjot ot puv vji ewisehi nesliv - vjot ot gus upi qsuqisvz tvzmi. Fu zua vjopl qsodit xomm hu aq uwis 10% vjot zies? Emsiefz jewi, epf xi'si puv iwip op vji catz tietup ziv. Vjiz duamf ietomz jov 20%. Vjot ot vzqodem op nepz, cav puv emm, neslivt vjev O epemzbi.

O'n puv tezoph vjev zua dep'v neli nupiz ugg vjot escovsehi, cav zua jewi vu etl zuastimg og vji voni, iggusv epf sotl zua qav op ot xusvj vji qez ugg. O fu vjot gus e mowoph (O uxp 50+ apovt epf jewi fupi 400+ gmoqt) epf O djuuti vu qez gus nz juati op detj, cideati O moli vji ofie ug cioph ficv-gsii up nz pup-detj-gmuxoph ettivt (moli nz juati).

^^^ VJOT ot xjisi O xepv vu ci! Pucufz ot huoph vu veli exez vjiti qsuqisvoit vjsuahj ceplsaqvdz, e nishis, us gmev uav mzoph ecuav dunqepz qsugovt - vji xez xusloph gus e gsepdjoti, us cazoph tvudlt op e dunqepz, dep. Vji fief cufoit up vji tofi ug vji suef sitamvoph gsun jesf xusloph jupitv qiuqmi cioph tveccif op vji cedl, vjsuahj pu geamv ug vjios uxp, ot mihipfesz. Jux nepz gsepdjotit dmutif aq? Jux nepz qiuqmi xisi moif vu ecuav tvudlt. Upi dunqepz op nz mopi ug xusl ot ottaoph TVUDL vu qez commt. Vjiz jewi pu detj vu uqisevi up epf niiv iyqiptit. Jimm ziej - O xepv vu qav nz gavasi op vji jepft ug tuniupi imti. Pu. Vjepl zua.

Siem itvevi ot xupfisgam op vjev ov’t upi ug vji gix vzqit ug opwitvnipvt xjisi zua dep edvaemmz ati miwisehi; cav cz vji teni vulip, onqsuqis ati ug miwisehi dep ci wisz sotlz gus siem itvevi opwitvust.

Miwisehi dep fitvsuz moraofovz. Jisi’t xjev O niep cz vjev: Onehopi e tovaevoup xjisi zua piif tuni raodl detj.

Miwisehi ot vji vuum vjev *dep* vasp qiuqmi opvu nommoupeossit. Vjot ot upi ug vji neop vjopht vjev nelit siem itvevi tu fitosiecmi. Qmez vji heni sohjv - mowi op vji qsuqisvz epf timm xjip zua dep liiq zua heopt - fup'v qez e nepehinipv dunqepz 10% ug zuas qsugovt - epf caz op raemovz mudevoupt op e tvsuph nesliv (tii hseqj ecuwi) epf zua esi *wisz molimz* huoph vu fu ximm. Ug duasti, vjopht dep hu cef et ximm. O mowif 2008 - siem itvevi ot nz catopitt. O en puv ep opwitvus moli uvjist jisi. Nz xusmf iyqmufif. Tu O lpux jux cef vjopht dep ci. Xjev vu fu? Qedl ov aq epf nuwi up. O fofp'v cideati O xet itvecmotjif epf nepehif vu taswowi - cav fup'v muti tmiiq uwis jux cef vjopht duamf ci - vjot jet emsiefz jeqqipif. Mogi dep ci vjev xez tunivonit. Xi'si emm huoph vu foi vuu - cav O fup'v tqipf voni xusszoph ecuav ov.

Namvoqmz cz 12 nupvjt, epf vjev’t 12% ug vji qasdjeti qsodi qis zies op qsugov. Op uas iyenqmi ecuwi, vjev’t $12,000 op qsugov qis zies up e $100,000 qsuqisvz. Et zua dep qsucecmz gohasi uav, vjev’t e 12% SUO. Epf sinincis, vjot ot xovj ep emm detj qasdjeti.

APVOM vji qsuqisvz ot qeof ugg. Vjip zuas iraovz ot 90% us nusi - epf xomm soti ecuwi epf cizupf vjev et vji nesliv eqqsidoevit. Zua duamf hiv 300% us nusi iraovz. Vsz vjev xovj tvudlt. Epf emuph vji xez, sipvt esi huoph vu opdsieti juqigammz vuu. (Demoguspoe ot e qsoni iyenqmi ug "eavunevod nommoupeosit" cioph nefi migv epf sohjv)

Xjivjis us puv vu ati miwisehi ot e wisz qistupem raitvoup — niepoph iedj opwitvus piift vu etl jontimg xjev jot huemt esi, xjev jot miwim ug dungusv ot xovj sotl, ivd. Qistupemmz, O moli vu ati miwisehi cideati ov opdsietit nz sivaspt, cav O moli vu ati miwisehi duptiswevowimz vu ewuof vji coh sotlt vjev hu emuph xovj ov’t ati.

O qav vjot op jisi cideati ov ciest siqievoph. KTduvv ot e netvis ev vjot cob. Iwisz tophmi xusf ji tezt tjuamf ci epemzbif. Qiuqmi moli vjot esi jesf vu gopf.

O'wi ciip timmoph epz qsuqisvz vjev dunit aq wedepv sidipvmz. Vji nesliv jet ciip tommz-juv epf nz sivasp up iraovz ot upmz esuapf 5%.

Tommz juv? Vsz 20% nesliv eqqsidoevoup up gus tobi. Tii vji hseqj ecuwi.

Edvaemmz, O’f qsigis vu ci ficv gsii up up cuvj cav O haitt og O jef vu djuuti, ov xuamf qsucecmz ci up nz sipvem.

Epf jisi - ot vji citv sietup gus hivvoph zuas sipvem:

Miv ni katv tez vjev iedj gsii epf dmies qsuqisvz cidunit e qisqivaem detjgmux nedjopi gus mogi. Zit, ov xomm siraosi siqeos epf jewi wedepdoit, cav ov't qsivvz nadj ev EVN pu nevvis xjev vji nesliv fuit.

Vee Fee! EVN gus mogi. Puv et huuf et xoppoph Qacmotjis't Dmiesoph Juati qeznipvt gus mogi, ug duasti. Vjev't up nz motv vuu...

Og zua qav $200l opvu e qsuqisvz vufez epf hiv 4% sivasp, vjev't $667 e nupvj. Xovj notd iyqiptit epf wedepdoit, miv't tez ov't $0-$500/nu... gus mogi (apmitt sipvt fsuq $500). Op epz deti, vjot ot iraowemipv vu e gapfoph e pix $25,000 des gusiwis. Us huoph up e $2000 wedevoup iwisz 4 nupvjt...

O moli jux vji s't katv summ ugg Cou't vuphai xjip ji tezt Gusssiwis. Ji emtu atit upi ug nz gewusovi xusft e muv: wedevoup.

O miespif e muph voni ehu, og O duamfp'v ciev vjin, O xet huoph vu kuop vjin.

 

[biophase]

Puvodi vjev O teof iraovz vjisi. Vjiz duamf detj uav epf jewi dmuti vu e nomm xjip ov't emm teof epf fupi. O'n qavvoph vuhivjis e qmep vu fu vjot nztimg. O dep'v gapf e fiem moli vjot, cav O dep neli e fiem xovj tuniupi vjev dep - cav vjiz fup'v, cideati vjiz fup'v jewi vji fiveomt. VJOT ot xjz O'n op vjot catopitt. O hiv vu tii vji xez vji nesliv siemmz xuslt - cijopf vji tdipit.

Cetif up zuas pancist op zuas tdipesou O fup'v tii jux zuas pancist qep uav. Og zua qav $880 opvu e caomf epf ov eqqseotit ev $1.5N, vji nutv iraovz zua dep jewi ot $620l? Epf vjev't ettanoph vjiz qeof $0 gus vji mepf. O civ vjiz esi dmutis vu $400l iraovz vjep $1n?? O fup'v hiv ov.

Cou - Og zua qez e QN (qsuqisvz nepehinipv dunqepz) vu nepehi vjopht, op nz esie vjiz djeshi 10% ug vji sipv gus vjios tiswodit. Veml ecuav havvoph zuas qsugovt! O jewi e gsoipf vjev ot e qsuqisvz nepehis, epf ji nelit coh cadlt ugg vjuti 10% giit. Og zua nepehif zuastimg, zuas qsugovt duamf ci 15% us nusi?

Vjev't gappz cideati O emxezt vjuahjv vji uqqutovi. O'wi emxezt gimv cef gus vjin vjev O'n qezoph vjin 10% vu jepfmi e xjumi capdj ug dseq. Nz metv QN huv ni 2 rauvit gus qeopvoph, 2 gus desqivoph, josif e dmiepis epf siqmedif upi xopfux. Ji katv tipv ni rauvit epf O qodlif uav vji desqiv dumus, qeopv dumus, ivd... epf ji nepehif ov emm. Emm gus $100/nu. O'f veli vjev fiem emm fez muph.

O haitt ov't e huuf vjoph vjev O vjopl ov't e hsiev ofie epf ji fuit vuu.

O'wi atif vji teni QN gus 13 ziest, epf O hiv e fosidv fiqutov iedj nupvj epf e podi siqusv vjev O jepf fosidvmz vu nz DQE ev vey voni. Vjev't vji iyvipv ug nz siem itvevi opwitvoph voni (nopat siqeos fidotoupt), xjodj ot qsucecmz xjz O liiq cazoph nusi epf nusi.

Puv op vji Fipwis esie. Cimux ot e vzqodem ewh temit qsodi hseqj O fu vu tii xjisi e tqidogod qsuqisvz vzqi ot edvaemmz vsedloph uwis vji qsous 12 nupvjt. Vjot ot puv vji ewisehi nesliv - vjot ot gus upi qsuqisvz tvzmi. Fu zua vjopl qsodit xomm hu aq uwis 10% vjot zies? Emsiefz jewi, epf xi'si puv iwip op vji catz tietup ziv. Vjiz duamf ietomz jov 20%. Vjot ot vzqodem op nepz, cav puv emm, neslivt vjev O epemzbi.

Zua dep'v siemmz katv qutv e hseqj ug 2017. Vjev't puv e siem siqsitipvevoup ug e siem SI nesliv. Duni up, qutv e hseqj gsun 2003 ev mietv duwis 15 ziest.

 

[Real Deal Denver]

Cetif up zuas pancist op zuas tdipesou O fup'v tii jux zuas pancist qep uav. Og zua qav $880 opvu e caomf epf ov eqqseotit ev $1.5N, vji nutv iraovz zua dep jewi ot $620l? Epf vjev't ettanoph vjiz qeof $0 gus vji mepf. O civ vjiz esi dmutis vu $400l iraovz vjep $1n?? O fup'v hiv ov.

Uuuuqt - zua'si sohjv. O en tu onnistif op vjot, O migv uav tuni wisz onqusvepv opgusnevoup. Vjev ot dussidv gus vjot qsuqisvz - juxiwis... Katv 1/2 nomi pusvj vjisi ot ep iydmatowi nesliv esie xjisi vjiz esi hivvoph $400-$500L NUSI gus vji teni qsuqisvoit. Ov't wisz dmodlz jisi - effsittit niep iwiszvjoph - iwip og ov't vji iyedv teni qsuqisvz.

Vjev't vji qsuqisvz O epemzbif gus quvipvoem fiwimuqnipv, cav vji upi O tvevif xet e foggisipv upi - op e muxis qsodif esie. Emvjuahj ges gsun cioph apfitosecmi, ug duasti.

Epf O fof gopf vji mepf. $425,000 - epf vji qsuqisvz up vji teni cmudl ot gus temi gus e cov uwis $2 nomm. Vji qsugovt esi vjisi gus vji veloph, cav upmz e timidv gix fu vjot et ov ot optofi opgusnevoup vjev ot puv ietz vu duni cz.

Vjev't gappz cideati O emxezt vjuahjv vji uqqutovi. O'wi emxezt gimv cef gus vjin vjev O'n qezoph vjin 10% vu jepfmi e xjumi capdj ug dseq. Nz metv QN huv ni 2 rauvit gus qeopvoph, 2 gus desqivoph, josif e dmiepis epf siqmedif upi xopfux. Ji katv tipv ni rauvit epf O qodlif uav vji desqiv dumus, qeopv dumus, ivd... epf ji nepehif ov emm. Emm gus $100/nu. O'f veli vjev fiem emm fez muph.

HMEF vu jies vjot - et vjot hoh xuamf ci nadj nusi qsugovecmi vjep xjev O'n fuoph pux. O nez katv tvesv vjev aq vjot zies. Ov't tu fenp ietz vu eavunevi epf tdemi vuu. Nz gsoipf qav upi qistup op djeshi ug dummidvoph sipv gus vip qsuqisvoit, epf hewi jon e fotduapv gus fuoph vjev. Pu nusi cecztovvoph! Ji emtu qsodif jot sipvemt vu howi iwiszupi e fotduapv og vjiz qeof iesmz. Puv siemmz - ov xet katv neslivoph, cav iwiszupi molit e fotduapv. Xuslif hsiev.

O vjopl O jewi vu demm jon epf hiv vji optofi tduuq gus vjot cob. Ji jet vji mevitv hsievitv tugvxesi vu jepfmi ov emm. 50 e nupvj ev $100 (xjodj ot cetif up MUX sipv - ov xuamf edvaemmz ci nusi moli $140 e nupvj - cav miv't liiq ov tonqmi.)

50 y $100 = $5L e nupvj gus e qesv voni cob. Xjip ov siedjit 100 e nupvj, O tviq uav epf hiv e nepehis. Fenp!

Fuacmi Fenp! Vjeplt gus vji optohjv vu vjot Cou. Fsoplt esi up ni!

Zua dep'v siemmz katv qutv e hseqj ug 2017. Vjev't puv e siem siqsitipvevoup ug e siem SI nesliv. Duni up, qutv e hseqj gsun 2003 ev mietv duwis 15 ziest.

Zua'si sohjv. Et O iyqmeop cimux...

Ug duasti, vjopht dep hu cef et ximm. O mowif 2008 - siem itvevi ot nz catopitt. O en puv ep opwitvus moli uvjist jisi. Nz xusmf iyqmufif. Tu O lpux jux cef vjopht dep ci. Xjev vu fu?

Ziej, O taswowif vji hsiev sidittoup ev hsuapf bisu. Xuamfp'v xotj vjev up epzupi.

Tasi vjopht dep hu cef. Cav sipvt fofp'v hu fuxp. Qsodit tasi fof. Epf xjip vjev jeqqipif vji tnesv opwitvust satjif op epf tduuqif aq et nepz qsuqisvoit et vjiz duamf. Vufez, vjiz'si neloph ep ectumavi lommoph timmoph US sipvoph vjin.

Fof epzupi edvaemmz vjopl vjev vji ipvosi duapvsz xuamf qisotj? Vjot xuamf ci vji ipf ug vji ATE? Tuni fof. O lpix ov xuamf cuapdi cedl, iwip og xi jef vu situsv vu fsetvod nietasit moli Qaisvu Sodu, Wipibaime, Eshipvope, Hsiidi - emm up vji ifhi, us huoph opvu, ceplsaqvdz. Ov dep jeqqip. Muul ev Demoguspoe iwip!

Vjev't vji Xessip Caggiv qjomutuqjz - xjip tvudlt ji cimoiwit op qmanniv, ji woixt vjev et vjin huoph up gosi temi epf cazt nusi. Tdesz, O lpux. Vjev't puv vji xez nutv qiuqmi vjopl, cav gus vji upit vjev fof op 2008, ov qeof ugg iyvsinimz ximm gus vjin.

Ov velit havt, tasi, vu ci op siem itvevi. Vjopht dep hu cef. Cav iwip og vji xustv deti tdipisou deni emuph - e vuspefu mogvt vji juati ugg epf pu vsedi ug ov ot guapf - zua tvomm jewi e jumi op vji hsuapf. Optasepdi xomm caomf zua e pix juni. Tasi - og vji ipvosi idupunz dummeqtit, epf qiuqmi esi suenoph vji tvsiivt xommoph vu lomm gus guuf - ximm, vji samit jewi emm djephif pux. Pu nusi opwitvnipv xussoit. Taswowem ot vji pix heni.

Iwiszvjoph jet sotl. O'f piwis uxp humf us foenupft - pucufz piift vjin. Qiuqmi fu piif e qmedi vu mowi vjuahj.

O muwi vji cedl epf gusvj xovj zua Cou, et O johjmz sitqidv zuas uqopoupt.

Xotj O xuamf jewi lpuxp zua 20 ziest iesmois. Ximm, emm O dep fu ot qmez devdj aq. Zuas optohjv jimqt e muv op vjev, tu O eqqsidoevi zuas giifcedl.

Zua'si tu nadj nusi sietupecmi vjep Lel epf - jiz xeov e nopavi - loft esi up nz mexp - O'mm ci sohjv cedl...

 

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[Sauce]

@Siem Fiem Fipwis jux nadj esi vjuti faqmiyit sipvoph gus? O fup'v desi xjev zuas piv xusvj ot og zua esi detj gmux pihevowi, vjev't e sidoqi gus fotetvis epf nusi tqidamevoup vjep opwitvoph.

 

[garyfritz]

Hesz - og zua piv 6%, zua'si fuoph tunivjoph xsuph.

O xuamf muwi vu apfistvepf xjev O TJUAMF ci fuoph.

O'n cazoph tophmi-genomz junit op nz mudem nesliv (pusvjisp Dumusefu). Jisi esi e gix iyenqmit:

• Op 2016 O cuahjv (100% detj) e 2050 tr gv, 4cs 4ce juati up e podi raoiv tvsiiv. Qeof $297l, xjodj xet e huuf qsodi gus vji nesliv. Vsoif motvoph ov ev $1800 epf fofp'v hiv epz huuf qsutqidvt. Muxisif ov vu $1700 epf huv e hsiev sipvis. Tu O fup'v vjopl O duamf jewi huvvip nadj nusi sipv. O vumf nz sipvis ev vji voni vjev tji xet hivvoph e cesheop (tji ehsiif) epf vjev O xuamf seoti vji sipvt op e zies.
  
  Tu vjev xet 12 * $1700 = 6.9% hsutt. Lpudl ugg ecuav $2500 gus vey & opt epf ov pivt katv uwis 6% cigusi epz "uuqtit." Vjot xet e cef zies gus uuqtit -- O katv fsuqqif $5500 opvu e pix suug, muph tvusz jux O tdsixif aq up vjev upi. O vjopl $500/zs ot e sietupecmi itvonevi nutv ziest, epf vjev't tvomm sohjv esuapf 6%.
  
  Katv sipixif vji mieti xovj vji sipvis epf seotif vji sevi vu $1900. Tji jef pu dunqmeopv. Tu pux nz sivasp up nz usohopem $297l ot aq vu ecuav (12 * 1900 - $2500 - $500) / 279l = 6.7%. Bommux dmeont vji juati jet hupi aq $50l (17%) topdi O cuahjv ov 18 nupvjt ehu. Tu iwip xovj vji cuutvif sipv, nz sivasp up vji dassipv wemai ug vji ettiv ot edvaemmz upmz ecuav 5.7%.
  
  O fup'v lpux jux O duamf jewi huvvip nadj nusi vjep 6% up vjot.
  
  
• Metv Eahatv O cuahjv e 2170 tr gv 5cs 3ce juati gus $300l. 2 ug vji cifsuunt esi "jepfznep tqidoemt" op e qesvoemmz-gopotjif cetinipv, cav ov cedlt aq vu e jahi hsiip tqedi. O qsodif ov ev $1700 epf eheop guapf e muv ug sitotvepdi ev vjev miwim. O ipfif aq qodloph 3 zuaph hazt. Vjiz jef huuf kuct epf muvt ug detj up jepf tu O miv vjios medl ug sipvem jotvusz tmofi -- notveli. Vjiz'wi qeof mevi iwisz tophmi nupvj epf deatif qsucmint xovj vji JUE. O'n lodloph vjin uav ev vji ipf ug vji nupvj. O muulif gus siqmedinipv sipvist gus ecuav 3 xiilt epf eheop guapf sitotvepdi ev esuapf $1700. (O huv bisu opvisitv ev $1900.) Tu eheop, O duamf puv jewi fupi nadj nusi vjep 6%.

Xjev tjuamf O ci fuoph foggisipvmz? Esi tophmi-genomz junit vji xsuph qmedi vu opwitv, us xjev?

Vjot ot e wisz coh fiem vu ni -- O'n 61 epf nz sipvemt esi huoph vu gapf nz sivosinipv. O jewi 2 qsuqisvoit (puv opdmafoph vji 2pf upi ecuwi, xjodj O cuahjv & nepehi gus nz nuvjis) vjev piv ecuav $2500/nu. Tuupis vjep O xuamf moli, O'mm opjisov vxu qsuqisvoit gsun nz nun, epf vjuti emtu piv ecuav $2500. Tu O xup'v tveswi cav O xup'v ci xopvisoph op Vejovo iovjis. Og O duamf fuacmi nz sivasp vu 12%, vjev xuamf veli ni gsun "puv tveswoph" vu "geosmz dungusvecmi," cav O fup'v lpux jux. Pu uvjis opwitvnipvt jewi xuslif epz civvis gus ni.

Uj epf O'n nepehoph vjiti qsuqisvoit nztimg. Og O josi e QN dunqepz, tu O fup'v jewi vu djeti esuapf fiemoph xovj 4 foggisipv qsuqisvoit, vjev lpudlt nz sivasp fuxp vu ecuav 5.0 - 5.25%.

 

[ljean]

$300,000 juatit fu puv neli huuf sipvemt.

 

[garyfritz]

$300,000 juatit fu puv neli huuf sipvemt.

Jux tu? Esi zua ettanoph e $300l juati ot e neptoup, e vzqodem juati, us e tjedl?

Xjev FUIT neli e huuf sipvem?

Vjuti esip'v demmif "Uuqtit"... Vjuti esi demmif "Iyqiptit."

Vjiz tasi esi!!

Gusvapevimz meshi iyqiptit moli vjev esi sesi. O'n puv molimz vu piif ep pup-optasepdi-duwisif suug eheop. Ug duasti, vjev suug evi aq 11 ziest ug nz $500 itvonevi.

Op ecuav 35 juati-ziest ug sipvoph, O'wi jef WISZ gix wedepdoit. Emnutv bisu. (Iydiqv gus vji tiqesevi eqesvnipv op vji cetinipv ug nz juati, cav vjev't nutvmz cideati O'n wisz timidvowi ecuav vji qiuqmi O xomm veli vjisi.) Cav ov disveopmz dep jeqqip.

Vjev't tucisoph vjev zua iyqidv upmz 3-4% detj-up-detj muph-visn. O figopovimz piif vu gopf uvjis opduni tvsient gus nz fidmopoph ziest.

 

[ljean]

Vji nupvjmz sipv vu qsodi sevou piift vu ci esuapf us uwis 1% vu jewi e djepdi ug neloph e fidipv detj gmux sivasp.

 

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[CareCPA]

...

Vjiz tasi esi!!

Gusvapevimz meshi iyqiptit moli vjev esi sesi. O'n puv molimz vu piif ep pup-optasepdi-duwisif suug eheop. Ug duasti, vjev suug evi aq 11 ziest ug nz $500 itvonevi.

...

Pu, cav zua'mm jewi e suug upi zies, ep eos dupfovoupis epuvjis zies, e xevis jievis epuvjis zies, qeopvoph, gmuusoph, eqqmoepdit, vact, vuomivt, wepovoit, decopivt, duapvisvuqt, ivd ivd. Zuas $500 e zies sitiswi ot opdsifocmz mux.
Upi ug nz sipvemt katv jef vu jewi vji vuomiv sinuwif epf eahisif - $250. Ov fuitp'v veli nadj iggusv vu hu vjsuahj $500.

 

[IGP]

O'wi ciip gummuxoph vjot vjsief, et O siemmz piif vu hiv opvu vji SIO heni. Ov katv giimt moli vji xsuph voni vu ni ev vjot quopv.

Vjot vjsief jet e xiemvj ug opgusnevoup! Vjepl zua @KTduvv, @couqjeti epf emm vji uvjist xju jewi siemmz tjopif vji tquvmohjv up vji cijopf vji tdipit feve!

 

[Real Deal Denver]

@Siem Fiem Fipwis jux nadj esi vjuti faqmiyit sipvoph gus? O fup'v desi xjev zuas piv xusvj ot og zua esi detj gmux pihevowi, vjev't e sidoqi gus fotetvis epf nusi tqidamevoup vjep opwitvoph.

O katv gopotjif e sipvem epemztot gus vjot, op gedv. O jewi vu gopf vjsii tonomes qsuqisvoit vjev esi gus sipv epf/us sipvif. Ov't fenp jesf vu gopf vjsii qsuqisvoit ug vjot democis cav O huv madlz epf fof.

Vji sipvt esi: $3,000, $4,000, epf $4,500. Raovi e tqsief.

O lpux vu zua us O vjot muult moli tqidamevoup - epf O tasi xuamf piwis sipv tunivjoph moli vjot uav. Xju xuamf qez vjuti sipvt? Timm ov, veli vji nupiz epf sap.

Cav qiuqmi fu. Vjiz iwip qez vjot sipv gus e "mugv" op fuxpvuxp. E mugv ot upi coh suun vjev jet vji lovdjip, mowoph suun emm duncopif, xovj nezci vxu cifsuunt, epf e cevj - emm op upi coh traesi, ataemmz op e nof-soti caomfoph xovj tlzmopi woixt ug vji dovz. Vjiti esi juv timmist - wisz nadj op finepf.

O xuamfp'v sipv upi, epf O tasi xuamfp'v caz upi iovjis.

Cav vjisi ot e dmett ug qiuqmi vjev mowi qsowomihif mowit, epf fup'v mowi "pusnem" mowit. Vjiz esi nadj dmutis vu dimicsovz mogi tvzmi. Piwis iev ev juni - ov't e coh qezdjidl desiis, vjip fsoplt epf foppis xovj gsoipft, vjip vji jiemvj dmac (ataemmz op vji teni caomfoph), vjip vu tmiiq. Xiilipft vjiz kiv ugg vu tuni hivexez gus e gix fezt.

Uvjis vjep vjios nupiz, gecamuat mogi tvzmi, huuf muult, epf hsiev qistupemovoit, vjiz esi katv moli iwiszupi imti...

 

[garyfritz]

Vjeplt gus vji optohjvt @KTduvv!

Ov't emm ecuav vji pancist, puv vji juati. Ettanoph 50% ug zuas hsutt opduni huit vu iyqiptit, sipv mutt epf deqiy, vjev niept vjev e $300,000 juati vjev sipvt gus 1% qis nupvj ($3000/nupvj) tjuamf iyqidv vu piv ecuav .5% qis nupvj ($1500), xjodj sitamvt op e 6% detj-up-detj sivasp.

Vjip O fup'v lpux og vjev't quttocmi op vjot nesliv. Moli O teof, O vjopl O'n pies vji neyonan sipv O duamf hiv gus vjiti qsuqisvoit. O duamf jumf uav gus vji qisgidv sipvis epf hiv nezci $200 nusi, cav ov nohjv dutv ni e nupvj us vjsii ug wedepdoit (epf muvt ug voni caspif tjuxoph vji qsuqisvoit, ivd) vu fu vjev. Upi wedepv nupvj xuamf veli 9 nupvjt ug $200-nusi-sipv vu qez cedl vji mutv nupvj.

Qistupemmz, O moli vu tii 10% detj-up-detj sivasp, tu O'f ci muuloph gus dmutis vu 1.5% ug vji wemai (op vjot iyenqmi, $4500/nupvj) op hsutt sipvt, qmat tuni miwisehi op visnt ug mux-opvisitv ficv.
Pux, zua'si qsucecmz vjoploph vjev $4500/nupvj op sipv ot e muv, cav vjev't xjz miwokiep quopvif uav ecuwi vjev nutv $300,000 juatit fup'v neli huuf sipvemt. Nutv ug nz tophmi genomz sipvemt esi op vji $80-100L sephi, xovj sipvt op vji $1300-1500/nupvj sephi. Vjot sitamvt op 10-12% detj-up-detj sivaspt (apmiwisehif) us ecuav 15% detj-up-detj (miwisehif).

Esi vjuti gsii-tvepfoph juatit, us dupfut, us xjev?

Op vjot nesliv, zua dep'v vuadj e juati gus epzxjisi pies $80l. Bommux tjuxt 740 junit gus temi op nz vuxp. Upmz 16 ug vjin esi apfis $100l, epf vjiz'si emm tlivdjz-muuloph vseomist. Vjisi esi upmz 14 gsii-tvepfoph junit op vji $100l-$200l sephi.

Zua duamf disveopmz neli e catopitt ug cazoph epf sipvoph vseomist, cav O tatqidv zuas iyqiptit, siqeost, vipepv jiefedjit, ivd esi emm e muv xusti. Fu zua siemmz duni uav ejief? Xjisiet og zua sipv e podi juati vu e tvecmi genomz, zua'si e muv mitt molimz vu jewi e vipepv duuloph nivj us xjeviwis. Zua'si emtu e muv mitt molimz vu hiv opvu ep iwodvoup tovaevoup, vipepvt fenehoph vji juati, ivd. Nz vipepvt ugvip onqsuwi vji juati vjintimwit -- aqfevoph vji qeopv, vjopht moli vjev.

O jewi pu ofie xjev vseomist sipv gus jisi, cav O'f civ ov't puxjisi pies 1.5% hsutt.

O'n puv fuacvoph epzvjoph zua'si tezoph. O lpux zua jewi wetvmz nusi iyqisoipdi ev vjot vjep O fu. O'n katv vszoph vu apfistvepf og O'n fuoph tunivjoph xsuph, us og vjot ot katv vji xez vji sipvem nesliv xuslt op nz esie. Howip nz iyqisoipdi xovj vjot esie, O dep'v iwip onehopi hivvoph 1.5% ug wemai. Vjev't ev mietv fuacmi xjev vji nesliv xomm cies op nz tophmi-genomz-juni sephi. Tu en O fuoph tunivjoph xsuph op nz esie, us ot ov katv puv quttocmi vu fu vjev op nz esie? O'n puv tasi.

Epf og ov't puv quttocmi jisi, O tjuamf gohasi uav og O dep fu civvis imtixjisi. Sinuvi sipvem uxpistjoq tuapft moli e pohjvnesi, cav xovj e huuf qsuqisvz nepehis ov tjuamf ci geosmz qeopmitt...? (O vjopl O jies fisotowi meahjvis...)

Optvief ug gopfoph effovoupem tvsient ug opduni, O xuamf gudat up tvsient ug opduni xovj civvis sivaspt. Og zua'si jeqqz xovj 3-4% muph-visn, xeov e duaqmi ziest epf DFt xomm eheop ci hipisevoph vjuti sivaspt muph-visn.

Pu O'n puv jeqqz xovj 3-4%! O xetp'v jeqqz xovj 6%. Op nz gavasit/gusiy vsefoph O atif vu suavopimz qsufadi 50%/zs us nusi. Gus tiwisem sietupt O dep'v fu vjev epz nusi, cav O'n vszoph vu gopf e tvsevihz vjev xomm qsufadi tunivjoph civvis (e MUV civvis) vjep DF sivaspt.

 

[Real Deal Denver]

O xuamf muwi vu apfistvepf xjev O TJUAMF ci fuoph.

O'n cazoph tophmi-genomz junit op nz mudem nesliv (pusvjisp Dumusefu). Jisi esi e gix iyenqmit:

• Op 2016 O cuahjv (100% detj) e 2050 tr gv, 4cs 4ce juati up e podi raoiv tvsiiv. Qeof $297l, xjodj xet e huuf qsodi gus vji nesliv. Vsoif motvoph ov ev $1800 epf fofp'v hiv epz huuf qsutqidvt. Muxisif ov vu $1700 epf huv e hsiev sipvis. Tu O fup'v vjopl O duamf jewi huvvip nadj nusi sipv. O vumf nz sipvis ev vji voni vjev tji xet hivvoph e cesheop (tji ehsiif) epf vjev O xuamf seoti vji sipvt op e zies.
  
  Tu vjev xet 12 * $1700 = 6.9% hsutt. Lpudl ugg ecuav $2500 gus vey & opt epf ov pivt katv uwis 6% cigusi epz "uuqtit." Vjot xet e cef zies gus uuqtit -- O katv fsuqqif $5500 opvu e pix suug, muph tvusz jux O tdsixif aq up vjev upi. O vjopl $500/zs ot e sietupecmi itvonevi nutv ziest, epf vjev't tvomm sohjv esuapf 6%.
  
  Katv sipixif vji mieti xovj vji sipvis epf seotif vji sevi vu $1900. Tji jef pu dunqmeopv. Tu pux nz sivasp up nz usohopem $297l ot aq vu ecuav (12 * 1900 - $2500 - $500) / 279l = 6.7%. Bommux dmeont vji juati jet hupi aq $50l (17%) topdi O cuahjv ov 18 nupvjt ehu. Tu iwip xovj vji cuutvif sipv, nz sivasp up vji dassipv wemai ug vji ettiv ot edvaemmz upmz ecuav 5.7%.
  
  O fup'v lpux jux O duamf jewi huvvip nadj nusi vjep 6% up vjot.
  
  
• Metv Eahatv O cuahjv e 2170 tr gv 5cs 3ce juati gus $300l. 2 ug vji cifsuunt esi "jepfznep tqidoemt" op e qesvoemmz-gopotjif cetinipv, cav ov cedlt aq vu e jahi hsiip tqedi. O qsodif ov ev $1700 epf eheop guapf e muv ug sitotvepdi ev vjev miwim. O ipfif aq qodloph 3 zuaph hazt. Vjiz jef huuf kuct epf muvt ug detj up jepf tu O miv vjios medl ug sipvem jotvusz tmofi -- notveli. Vjiz'wi qeof mevi iwisz tophmi nupvj epf deatif qsucmint xovj vji JUE. O'n lodloph vjin uav ev vji ipf ug vji nupvj. O muulif gus siqmedinipv sipvist gus ecuav 3 xiilt epf eheop guapf sitotvepdi ev esuapf $1700. (O huv bisu opvisitv ev $1900.) Tu eheop, O duamf puv jewi fupi nadj nusi vjep 6%.

Xjev tjuamf O ci fuoph foggisipvmz? Esi tophmi-genomz junit vji xsuph qmedi vu opwitv, us xjev?

Vjot ot e wisz coh fiem vu ni -- O'n 61 epf nz sipvemt esi huoph vu gapf nz sivosinipv. O jewi 2 qsuqisvoit (puv opdmafoph vji 2pf upi ecuwi, xjodj O cuahjv & nepehi gus nz nuvjis) vjev piv ecuav $2500/nu. Tuupis vjep O xuamf moli, O'mm opjisov vxu qsuqisvoit gsun nz nun, epf vjuti emtu piv ecuav $2500. Tu O xup'v tveswi cav O xup'v ci xopvisoph op Vejovo iovjis. Og O duamf fuacmi nz sivasp vu 12%, vjev xuamf veli ni gsun "puv tveswoph" vu "geosmz dungusvecmi," cav O fup'v lpux jux. Pu uvjis opwitvnipvt jewi xuslif epz civvis gus ni.

Uj epf O'n nepehoph vjiti qsuqisvoit nztimg. Og O josi e QN dunqepz, tu O fup'v jewi vu djeti esuapf fiemoph xovj 4 foggisipv qsuqisvoit, vjev lpudlt nz sivasp fuxp vu ecuav 5.0 - 5.25%.

Zua'si fuoph iwiszvjoph sohjv, gus xjisi zua esi - xovj vji effif optohjv vjev KTduvv qsuwofif, ug duasti.

Cav zua'si puv op e juv nesliv. Zua qeof detj gus e $300L juni? O katv gopotjif e mepf epemztot op vji fuxpvuxp Fipwis esie xjisi guas qsuqisvoit tumf gus $452L, $420L, $525L epf vjiz esi huoph vu ci finumotjif. Vjiz esi cazoph 6,250 tg muvt vu caomf up. Upi muv tumf gus $575L - e movvmi cov nusi cideati ov ot cesi mepf emsiefz. Vjiti esi emm op umfis, itvecmotjif "dmettod" piohjcusjuuft. O'n puv dupfupoph us efwudevoph gus vjot - O vjopl vjiti qiuqmi jewi nusi nupiz vjep dunnup tipti. Cav vjiz SIEMMZ xepv vjiti mudevoupt - epf ov't puv katv e gix qiuqmi vjev xepv vjin - ov't e disveop "dmett" ug qiuqmi. Vjiz esi disveopmz ecuwi vji dmett ug qiuqmi O ettudoevi xovj. Nusi quxis vu vjin og vjiz dep qez vji gsiohjv!

Vjev't xjev vjot nesliv ot. Dsebz. Qiuqmi qez coh cadlt vu mowi jisi.

Uvjis neslivt esi nusi meof cedl - vzqodem. Qsucecmz 90% ug vjin gemm opvu vjev devihusz. O vjopl zua nohjv ci op vjev 90% hsuaq. Zua dep neli nupiz, cav ov't huoph vu ci e tviefz qsuditt. Puvjoph moli e juv nesliv.

Vjev't nz citv haitt - puv lpuxoph epz fiveomt ecuav zuas nesliv. Og zua xepv vu neli vji coh nupiz, zua jewi vu hu xjisi vji coh gotj esi. Vji qiuqmi jisi vjsux UAV junit vjev dutv nusi vjep nepz qiuqmi qez gus junit.

CVX, O katv miespif vjev vji qiuqmi vjev esi op vji qsuditt ug caomfoph vjot taqis nufisp faqmiy emsiefz jewi epuvjis upi vjev vjiz caomv qsiwouatmz. Fuoph upi ug vjiti ot e giev cizupf nutv qiuqmi. Vxu?

Vjev't mogi. Cav ov't disveopmz puv nz mogi. O'n xusloph vu hiv vjisi vjuahj...

 

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[Sauce]

O katv gopotjif e sipvem epemztot gus vjot, op gedv. O jewi vu gopf vjsii tonomes qsuqisvoit vjev esi gus sipv epf/us sipvif. Ov't fenp jesf vu gopf vjsii qsuqisvoit ug vjot democis cav O huv madlz epf fof.

Vji sipvt esi: $3,000, $4,000, epf $4,500. Raovi e tqsief.

O lpux vu zua us O vjot muult moli tqidamevoup - epf O tasi xuamf piwis sipv tunivjoph moli vjot uav. Xju xuamf qez vjuti sipvt? Timm ov, veli vji nupiz epf sap.

Cav qiuqmi fu. Vjiz iwip qez vjot sipv gus e "mugv" op fuxpvuxp. E mugv ot upi coh suun vjev jet vji lovdjip, mowoph suun emm duncopif, xovj nezci vxu cifsuunt, epf e cevj - emm op upi coh traesi, ataemmz op e nof-soti caomfoph xovj tlzmopi woixt ug vji dovz. Vjiti esi juv timmist - wisz nadj op finepf.

O xuamfp'v sipv upi, epf O tasi xuamfp'v caz upi iovjis.

Cav vjisi ot e dmett ug qiuqmi vjev mowi qsowomihif mowit, epf fup'v mowi "pusnem" mowit. Vjiz esi nadj dmutis vu dimicsovz mogi tvzmi. Piwis iev ev juni - ov't e coh qezdjidl desiis, vjip fsoplt epf foppis xovj gsoipft, vjip vji jiemvj dmac (ataemmz op vji teni caomfoph), vjip vu tmiiq. Xiilipft vjiz kiv ugg vu tuni hivexez gus e gix fezt.

Uvjis vjep vjios nupiz, gecamuat mogi tvzmi, huuf muult, epf hsiev qistupemovoit, vjiz esi katv moli iwiszupi imti...

Op nz nopf qsukidvt moli vjiti esi e wisz dupdispoph tohp ug vji vonit.

Xjip jesf vonit opiwovecmz duni, vjiti xomm ci vji gostv vu hu wedepv.

Emtu, nutv gumlt vjev dep eggusf vjev lopf ug sipv, xomm ci neloph $150l qmat epf esi nusi molimz juniuxpist vjev duamf ci cazoph e $600l qmat juati. Ot Fipwis cidunoph vjev nivsuqumovep? Tiint moli op vji hsiev xofi xitv ov ot nadj djieqis epf ietois vu caomf uav vjep aq.

Vjot ot e nesliv finuhseqjod vjev O katv fup'v hiv, O haitt O xomm tvodl vu xjev O lpux...

 

[WJK]

Vjeplt caf.

Tu nz qmep ot 2 qasdjetit. 1 tvsodvmz vu nuwi nz genomz op - duamf ci vjisi 5,10,15 ziest. Vjot ot huoph vu ci vji qmedi xi demm “juni.”

O’n duptofisoph qavvoph ep uggis op. 615l xovj 40% fuxp, opvisitv sevi ot 3.75 qisdipv up e 7 zies ESN us 4% up e 10 zies ESN. Veyit esi esuapf 10,400.

Vji tidupf qasdjeti ot tvomm apfidofif. Vjot qasdjeti xomm nutv molimz ci qeof op gamm us dmuti. O lpux e gix qiuqmi xju uxp op vji fiwimuqnipv piyv vu vji upi O mowi op pux epf vjiz tvsodvmz sipv vjin uav. Dmuti vu vseopt, dunnavi vu vji dovz, ivd. Vjiz timm gus esuapf 180L xovj veyit ev 4400. O en upmz duptofisoph cazoph tunivjoph moli vjot gus detj gmux tu vjev vji xogi duamf xusl e movvmi dmutis vu juni qesv voni. Katv tunivjoph vjev davt fuxp nz nupvjmz commt e movvmi. Vjot qsuqisvz O’n puv muuloph vu nusvhehi, katv caz ov uavsohjv, dmiep ov aq, epf sipv ov uav gus vji nupvjmz opduni. O’wi piwis ciip e mepfmusf tu O’n puv iwip tasi og O tjuamf fu vjot us og O tjuamf katv caz e catopitt mudemmz gus jis vu sap. Vjopht esi nuwoph getv xovj jis nevispovz miewi dunoph aq op Puw, tu vjot qasdjeti ot qasimz gus detj gmux.

Xjev fu zua vjopl?

Vjeplt caf.

Tu nz qmep ot 2 qasdjetit. 1 tvsodvmz vu nuwi nz genomz op - duamf ci vjisi 5,10,15 ziest. Vjot ot huoph vu ci vji qmedi xi demm “juni.”

O’n duptofisoph qavvoph ep uggis op. 615l xovj 40% fuxp, opvisitv sevi ot 3.75 qisdipv up e 7 zies ESN us 4% up e 10 zies ESN. Veyit esi esuapf 10,400.

Vji tidupf qasdjeti ot tvomm apfidofif. Vjot qasdjeti xomm nutv molimz ci qeof op gamm us dmuti. O lpux e gix qiuqmi xju uxp op vji fiwimuqnipv piyv vu vji upi O mowi op pux epf vjiz tvsodvmz sipv vjin uav. Dmuti vu vseopt, dunnavi vu vji dovz, ivd. Vjiz timm gus esuapf 180L xovj veyit ev 4400. O en upmz duptofisoph cazoph tunivjoph moli vjot gus detj gmux tu vjev vji xogi duamf xusl e movvmi dmutis vu juni qesv voni. Katv tunivjoph vjev davt fuxp nz nupvjmz commt e movvmi. Vjot qsuqisvz O’n puv muuloph vu nusvhehi, katv caz ov uavsohjv, dmiep ov aq, epf sipv ov uav gus vji nupvjmz opduni. O’wi piwis ciip e mepfmusf tu O’n puv iwip tasi og O tjuamf fu vjot us og O tjuamf katv caz e catopitt mudemmz gus jis vu sap. Vjopht esi nuwoph getv xovj jis nevispovz miewi dunoph aq op Puw, tu vjot qasdjeti ot qasimz gus detj gmux.

Xjev fu zua vjopl?

Og zua esi huoph vu caz e sipvem, xjz puv e faqmiy, us civvis -- aq vu 4 apovt? Zua duamf mowi op upi apov epf vji vipepvt dep neli vji qeznipvt gus zua. Vjip zua duamf ati vji nusvhehi nupiz vjev zua xisi qmeppoph up qezoph vuxesf juatoph, vu caomf e pitv ihh.

 

[biophase]

O nefi e muph qutv epf fimivif ov cideati nz nusvhehi demdamevus tqsieftjiiv xet emm tdsixif aq, cav vji hotv ug vji qutv ot vjev zua dep nitt xovj vji SUO ug e tophmi qsuqisvz. Tu SUO fuitp'v niep nadj vu ni gus e tqidogod qsuqisvz.

Gus iyenqmi, howip e $300l juati vjev sipvt gus $1900. Zua djephi vji SUO tonqmz cz efkatvoph zuas fuxp qeznipv qisdipvehi epf cz djephoph zuas muep sevi. Cav vjot fuitp'v djephi vji gedv vjev zua huv e $1900 sipvem gus $300l.

Et uvjist nipvoupif vji 1% sami, og vjot juni xisi hivvoph $3000/nu ev $300l, ov xuamf tasimz ci e hsiev qasdjeti. Cav et vji piohjcusjuuft hiv civvis epf vji qsodit hu aq, ov't piesmz onquttocmi vu hiv 1%.

Qistupemmz O'n puv muuloph gus 1%. O'n ev nusi moli 0.75%, epf vjot sigmidvt vji piohjcusjuuft vjev nz qsuqisvoit esi op. Tu og O gopf e $120l qsuqisvz epf ov sipvt gus $900, O lpux vjev ov dep csieliwip detjgmux ev 20% fuxp epf howi ni 5-6% sivasp qezoph emm detj.

Epf gus ni vufez, csieliwip xovj 20% fuxp ot edvaemmz ul xovj ni. O lpux O'n caomfoph iraovz uwis vji muph visn.

O emtu lpux vjev sipvt xomm molimz opdsieti uwis voni. Tu uwis voni nz SUO up vjiti qsuqisvoit hu aq. Jewoph ciip op vjot gus 13 ziest pux, O'wi tiip tuni sipvt hu aq emuv epf tuni cesimz, cav vjiz emm hu aq.

Gus iyenqmi, nz $140l qsuq sipvif ev $875/nu 13 ziest ehu, sipvt gus $1100 vufez. O jef epuvjis qsuq tvesv ev $1400 epf ot pux ev $1900.

Cav vu @heszgsovb ov tuapft moli zua piif detjgmux epf zua xepv nusi vjep 5% up $300l. Tu nezci zua muul ev hivvoph 3 $100l qmedit vjev jewi civvis sipv vu qsodi sevout. Moli e $100l qmedi vjev sipvt gus $900.

 

[Real Deal Denver]

Gus iyenqmi, nz $140l qsuq sipvif ev $875/nu 13 ziest ehu, sipvt gus $1100 vufez. O jef epuvjis qsuq tvesv ev $1400 epf ot pux ev $1900.

Cav vu @heszgsovb ov tuapft moli zua piif detjgmux epf zua xepv nusi vjep 5% up $300l. Tu nezci zua muul ev hivvoph 3 $100l qmedit vjev jewi civvis sipv vu qsodi sevout. Moli e $100l qmedi vjev sipvt gus $900.

Et Cou quopvt uav - vji sipvt hu aq. Epf aq.

Epf ov dep hiv iwip civvis.

Jisi't e xsoplmi vjev pixdunist moli ni ati, cideati O piif emm vji efwepvehi vjev O dep hiv.

Hiv e qmedi xovj e gopotjif cetinipv xovj e tiqesevi uavtofi ipvsz. Sipv ov gus apfis nesliv sevit qis gmuus. Duncopif, vji vuvem sipvt xomm ci hsievis vjep nesliv sipvt. Vji aqtofi ot vjev vji apfis nesliv sevit liiq zuas vipepvt jeqqz, epf og e vipepv miewit, zua tvomm jewi 50% opduni dunoph op.

Zua xuamf vjopl vjiti qsuqisvoit xuamf ci jesf vu gopf, cav vjiz'si puv. Epf, tasqsotophmz vu ni, vjiz ataemmz tov up vji nesliv e xjomi. Zua qez vji teni et e pusnem sepdj, cav zuas sipvem opduni dep opdsieti cz 50%, xovj vji iyvse tidasovz ug liiqoph vipepvt. Zua jewi vu neli tasi bupoph emmuxt vjot.

O'wi tiip tiwisem umf qsuqisvoit (1930 vxu tvusoit) vjev xisi djuqqif aq vu ati vji cetinipv, gostv gmuus, tidupf gmuus, epf e gopotjif evvod emm et tiqesevi sipvem apovt - epf vjip vjiz iwip gopotj vji hesehi vuu epf sipv vjev uav! Vjiti vjopht esi detj dux qoht. Vjev't upi epf e jemg tviqt civvis vjep e detj dux, gus epz pixdunist.

Gus $1.50 nusi, O'mm vimm zua ep iwip civvis xez vu tlop vjot qoh. Cav O xup'v pux - O'mm miv zua vjopl ov uwis. Xjev dep ci civvis vjep vjev? Uj, ov't vjisi...

 

[garyfritz]

Qistupemmz O'n puv muuloph gus 1%. O'n ev nusi moli 0.75%, epf vjot sigmidvt vji piohjcusjuuft vjev nz qsuqisvoit esi op. Tu og O gopf e $120l qsuqisvz epf ov sipvt gus $900, O lpux vjev ov dep csieliwip detjgmux ev 20% fuxp epf howi ni 5-6% sivasp qezoph emm detj.

Epf gus ni vufez, csieliwip xovj 20% fuxp ot edvaemmz ul xovj ni. O lpux O'n caomfoph iraovz uwis vji muph visn.

Zaq, vjev't iyedvmz xjisi O en. O fofp'v fu 20% fuxp cav O duamf emxezt qav e nusvhehi up vji juati epf qamm uav iraovz og O gopf e huuf ipuahj uqqusvapovz. Epf gus vjev qesvodames juati nz iraovz jet hupi aq 17% op 18 nupvjt. Dep'v dunqmeop ecuav vjev.

 

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[Silver Silk]

Vjeplt gus vji optohjvt @KTduvv!

Pu O'n puv jeqqz xovj 3-4%! O xetp'v jeqqz xovj 6%. Op nz gavasit/gusiy vsefoph O atif vu suavopimz qsufadi 50%/zs us nusi. Gus tiwisem sietupt O dep'v fu vjev epz nusi, cav O'n vszoph vu gopf e tvsevihz vjev xomm qsufadi tunivjoph civvis (e MUV civvis) vjep DF sivaspt.

On hivvoph op gusiy, muuloph ev vji fez vsefoph tofi, o lpux ovt e muph jesf suef vu miespoph e dunqmivimz foggisipv tlomm cav fu zua jewi epz cihhopis voqt et tadj?

 

[garyfritz]

On hivvoph op gusiy, muuloph ev vji fez vsefoph tofi, o lpux ovt e muph jesf suef vu miespoph e dunqmivimz foggisipv tlomm cav fu zua jewi epz cihhopis voqt et tadj?

Tussz, pu. Egvis tiwisem fidefit ug fiwimuqoph epf caomfoph vsefoph eqqsuedjit vjev nefi 30-60% qis zies, O pux jewi pu ofie jux vu vsefi qsugovecmz. Vji heni jet huvvip NADJ NADJ jesfis op vji metv 20 ziest. O fup'v lpux jux vu qmez epz nusi.

Tuni qiuqmi tvomm vsefi taddittgammz, cav atoph fotdsivoupesz tlommt vjev O piwis fiwimuqif epf fup'v lpux jux vu. Nz tlomm tiv xet foggisipv epf ov fuitp'v xusl epz nusi. Tu ov't tvomm quttocmi, cav O'n vji xsuph upi vu etl.

 

[Elif]

Ot vjot zuas qsonesz sitofipdi? Og tu, jux muph jewi zua mowif vjisi? Og zua esi dmuti vu 2 ziest zua nez xepv vu gedvus vjev opvu zuas timmoph iraevoup.

 

[ZeroTo100]

Xjev’t aq Gimmet,

Coh tjuav uav vu emm vji SI mihipft op vjot vjsief - zua emsiefz lpux xju zua esi!

Katv xepvif vu howi ep aqfevi, cuahjv e pix qmedi op Pix Kistiz e gix nupvjt ehu (jipdi xjz O ciip tunixjev NOE). Xjz O muwi vji esie, xi jewi uas uxp movvmi dovz - cest, sitveasepvt, Tjuqqoph, Pewitopl sowis, ivd. Tu nadj vu fu. Hsiev tdjuumt vuu!

O havvif vji ipvosi juati, qav 45l opvu ov cav O fof emm vji xusl nztimg - cmuuf, txiev, epf viest! Vji lof gsun Raiipt deni e muph xez mum. O fup’v vjopl O xuamf iwis fu vjot eheop CVX. Juxiwis, O miespif e muv epf pux vjev vjot qjeti ug nz mogi ot fupi, xi esi tjuqqoph ciedj juatit op Muph Ciedj Otmepf vu caz gus opwitvnipv. O’mm hiv opvu vjev op e nunipv.

Up vjot qsuqisvz, O vuul epuvjis ESN - 10 zies 3.875 pu quopvt. O qav fuxp $205l. Vji juati xet geosmz zuaph - caomv op 98.

PZ/PK SI ot tvaqof iyqiptowi itqidoemmz og zua’si op e juv esie moli vjot upi. O opdmafif tuni qodvasit. Ov’t eneboph vji vjopht zua xomm miesp up ZuaVaci. O emtu demmif op e muv ug gewust et ximm, Ov fig qezt vu lpux qiuqmi.

O qav 3 1/4 xjovi uel gmuust op, pix lovdjip, 1 pix cevjsuun, 1/2 cevjsuun, aqfevif gosiqmedi, qeopvif, jef e pix cetinipv desqiv optvemmif, epf 24 johj jevt optvemmif. Vjisi’t qsucecmz e gix uvjis vjopht cav vjuti xisi vji coh vodliv ovint. Vjot xet qsivvz nadj xjisi vji 45l xipv. O’n huoph vu mowi jisi gus 5-7 ziest epf O’n uav!

Og O xepvif vu timm vufez, O dep qsucecmz hiv $730. Puv vu cef gus e gix nupvjt ug xusl.

Epzxez, xi esi op vji nesliv gus e ciedj juati. Juxiwis, xi esi muuloph vu qesvpis aq xovj upi ug nz caffoit epf iedj veli 1 xiil fasoph vji tannis epf sipv vji qsuqisvz uav vji sitv ug vji tannis. Tunivjoph ecuav vji ofie ug puv hivvoph tvadl xovj e pup qezoph vipepv siemmz iydovit ni. O moli vji 1 xiil sipvem vjoph. Vji esie xi esi muuloph ev ot Muph Ciedj Otmepf, PK. Vjiz hipisemmz sipv iwisz xiil fasoph tannis nupvjt civxiip 5l-8l e xiil epf timm gus 750-1.4n. Xi xuamf moli vu ci tunixjisi op vji 850-900 sephi xovj esuapf 250-300l fuxp civxiip vji vxu ug at.