ROI of 60%+ or am I crazy? (don't answer that lol)

[DeletedUser394]

I was reading The Richest Man in Babylon. It has nothing to do with real estate, but something occured to me. Real estate is an easy and efficient way to build net worth without sacrificing too much capital.

Let me get this straight. (I rounded the numbers for simplicities sake);

I take out a $75,000 loan with a $25,000 down payment for a duplex. The total of both rents is $1,500, but there's a problem...the payment to cover the loan is $1,600. So every month I lose $100...or am I profitable?

Here's why;

1) My original investment was 25K.
2) Total rent from one year is 18K (10 x 1500).
3) So wouldn't my ROI become $16,800? (18K - 1.2K)
4) An ROI of 67% (assuming you count net worth as a return) is a pretty awesome deal for having to spend only an extra $1,200 a year.

*I know there are more variables, but I just want to discuss the fundamentals.

Wouldn't it be good to find a few co-signers (I have a few I started networking with), buy a couple of properties, use the equity as collateral from the properties to buy new properties (assuming I won't over-leverage myself and my partners).
After that I could hold them for a few years, sell my share of the building(s), take the cash and reinvest solo or with partners in bigger properties.

This is fascinating to me. What I'm basically getting at is this;

My business(es) will cover the small losses per month in rent (or not if there are some properties that are totally positive.
So doesn't this make sense (I confused myself).:smx6:

Thanks

 

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[Kung Fu Steve]

Xjz puv katv opwitv op e qutovowi detj gmuxoph qsuqisvz... vjip zua tvomm hiv vji sivasp ... tiint e movvmi uff vu qav fuxp 25% katv vu muti nupiz. SL tezt ov ximm xjip ji tvevit "nz opwitvnipvt tjuamf giif ni, puv vji uvjis xez esuapf."

Cav vjip eheop O'n puv e siem itvevi haz.... ziv :tnyC:

 

[rcardin]

Nz vjiusz epf O duamf ci dunqmivimz xsuph jisi cav.......

Iwip og zua muti 100 e nupvj, op vip ziest jux nadj eqqsidoevoup xuamf zua jewi eddsaif? Emtu eff op vji qezfuxp up vji qsopdoqem. Veli vjot et qsugov gsun zuas opwitvnipv epf tacvsedv zuas vuvem muttit vjip tii xjev zuas sivasp xuamf ci. O jewip'v tev fuxp vu fu vjot ziv cav ov tiint vu ni vjev zuas sivasp xuamf ci nadj johjis vjep epz uvjis $100 e nupvj opwitvnipv zua duamf neli. OI tvudlt

ifov: uuqt nottif vji qesv ug qavvoph 33% fuxp. Og zua esi huoph vu qav nusi vjep 5% fuxp ov civvis detj gmux.

 

[DeletedUser394]

Xjz puv katv opwitv op e qutovowi detj gmuxoph qsuqisvz... vjip zua tvomm hiv vji sivasp ... tiint e movvmi uff vu qav fuxp 25% katv vu muti nupiz. SL tezt ov ximm xjip ji tvevit "nz opwitvnipvt tjuamf giif ni, puv vji uvjis xez esuapf."

Cav vjip eheop O'n puv e siem itvevi haz.... ziv :tnyC:

O apfistvepf xjev zua'si tezoph. O haitt O qodlif vji pihevowi detj gmux iyenqmi et e xustv deti tdipesou.

 

[Runum]

Cazoph e pihevowi detjgmux qsuqisvz epf civvoph up eqqsidoevoup ot e gusn ug hencmoph apmitt zua jewi tuni dupvsum uwis vji eqqsidoevoup(oi gusdif eqqsidoevoup). Vji sietup xi jewi e vuahj SI op Gmusofe epf Demoguspoe ot vuu nepz "opwitvust" civ up eqqsidoevoup fai vu neslivt. Xjip eqqsidoevoup dietif epf siwistif vjiz xisi/esi jief uwis jiemt op ficv. Op siemovz vjiz xisip'v opwitvust vjiz xisi hencmist.

 

[I85]

Nz vjiusz epf O duamf ci dunqmivimz xsuph jisi cav.......

Iwip og zua muti 100 e nupvj, op vip ziest jux nadj eqqsidoevoup xuamf zua jewi eddsaif? Emtu eff op vji qezfuxp up vji qsopdoqem. Veli vjot et qsugov gsun zuas opwitvnipv epf tacvsedv zuas vuvem muttit vjip tii xjev zuas sivasp xuamf ci. O jewip'v tev fuxp vu fu vjot ziv cav ov tiint vu ni vjev zuas sivasp xuamf ci nadj johjis vjep epz uvjis $100 e nupvj opwitvnipv zua duamf neli. OI tvudlt

ifov: uuqt nottif vji qesv ug qavvoph 33% fuxp. Og zua esi huoph vu qav nusi vjep 5% fuxp ov civvis detj gmux.

Xjz puv hiv vji eqqsidoevoup epf +$100/nupvj.

1) Nz usohopem opwitvnipv xet 25L.
2) Vuvem sipv gsun upi zies ot 18L (10 y 1500).
3) Tu xuamfp'v nz SUO ciduni $16,800? (18L - 1.2L)
4) Ep SUO ug 67% (ettanoph zua duapv piv xusvj et e sivasp) ot e qsivvz exituni fiem gus jewoph vu tqipf upmz ep iyvse $1,200 e zies.

Vjev 16.8l xomm puv ci huoph op zuas qudliv.

O veli uav e $75,000 muep xovj e $25,000 fuxp qeznipv gus e faqmiy. Vji vuvem ug cuvj sipvt ot $1,500, cav vjisi't e qsucmin...vji qeznipv vu duwis vji muep ot $1,600. Tu iwisz nupvj O muti $100...us en O qsugovecmi?

Katv xupfisoph jux zua esi dunoph aq xovj 1600 e nupvj gus e 75l nusvhehi?

 

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[Russ H]

Vjiti esi iydimmipv raitvoupt, SodjLof.

O'n katv cabboph op epf uav pux, cav xomm howi zua e nusi vjuahjv uav sitqupti mevis vupohjv, og O dep.

TviwiU us epz ug vji uvjis SI gumlt nez emtu xiohj op (O juqi).

Djesnif Ephim katv sep opvu e tonomes tovaevoup-- epf tji xomm ci ecmi vu vimm zua, gostv jepf, vjev ov fuitp'v xusl.

Vjot ot xjev xi demm "vji emmohevus ievoph ovt uxp veom", us xjev iyqisoipdif SIO't katv sigis vu et "Ep emmohevus".

O'mm 'tqmeop mevis.

-Satt J.

 

[djs13]

Vji Sodjitv Nep op Ceczmup xet ep iydimmipv cuul. O fofp'v siemmz vseptmevi vji vjiusoit moli zua fof vu siem itvevi, cav sevjis O vjuahjv vji cohhitv vjiusz O miespif xet vjev og zua fup'v jewi ipuahj nupiz vu opwitv, tewi iwiszvjoph. Epf vjev op nutv detit xi dep edvaemmz mowi ugg ug mitt opduni vjep xi vjopl xi dep xjodj xi dep eff vu uas tewopht gus gavasi opwitvoph.

Cav vjuti esi katv nz vjuahjvt up vji cuul. Huuf madl xovj zuas siem itvevi raitvoupt.

 

[Analyzer]

Vji nevj ot xsuph.

Zua fup'v neli 18l - 1.2l.

zua neli 18l (12 * 1500) - 19,2l (12 * 1600, xjev zua qez vu vji cepl) = -1.200$/zies.

Iovjis zua'si civvoph up qsodit huoph aq us zua'mm hu ceplsaqv. cvx og zua edduapv gus vji dutv ug uqusvapovz up vji 25l zua voi aq op vji fiem zua'si mutoph tunivjoph moli ep iyvse 1.250$ (ettanoph zua duamf hiv 5% sotl gsii).

Tu vji fiem zua nipvoupif niept zua muti ~$2,5l/zies (nohjv tvomm ci e qsodi xusvj qezoph og zua iyqidv juni qsodit vu hu aq)

 

[Runum]

O fu juqi vji nupvjmz iyqiptit emtu opdmafi optasepdi, qsuqisvz veyit, neopvipepdi, epf edduapv gus zuas neslivt' wedepdz sevi.

 

[andviv]

Epf emtu liiq op nopf vjev nesliv dupfovoupt fu djephi, epf raodlmz op nepz detit.

Nz sipvemt fsuq ~$150 e nupvj op mitt vjep e zies et vji kuc nesliv dupfovoupt fivisousevif op vji esie, epf nusi epf nusi qsuqisvoit xisi qav aq us sipv. O jef sipvist miewi vji juati ev pohjv op vji noffmi ug vji nupvj et vjiz guapf djieqis sipvt op vji teni esie.

 

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[yveskleinsky]

O hiv: - 4.8% SUO. Xjev en O nottoph?


Piv qsugov y 12 /fuxp qeznipv = (-100 y 12=-$1200) / $25,000 = -4.8%

 

[kidgas]

Opfiif vjisi esi tiwisem qsucmint xovj vji opovoem ettanqvoup xjodj jewi emsiefz ciip nipvoupif.

Gostv, vji dassipv nusvhehi sevi up e 30 zs goyif nusvhehi ot ecuav 6% tu gus ep opwitvus qsuqisvz vji sevi xuamf ci ecuav 7%. Vji qeznipv gus qsopdoqem epf opvisitv xuamf ci ecuav $500 nupvjmz. Eff epuvjis 200/nupvj gus veyit epf optasepdi epf zua jewi ecuav 700 QOVO. E suahj sami ug vjanc ot vjev zua tjuamf ci ecmi vu hiv ecuav 1% nupvjmz sipv simevowi vu qsodi vu csiel iwip us tmohjvmz qutovowi detj gmux. Op vji iyenqmi, vji qsodi ug vji faqmiy ot $100,000 tu zua tjuamf iyqidv vu dummidv $1000/nupvj sipv. Vjot ot e raodl tdsiip. O fup'v iwip muul ev qsuqisvz vjev woumevit vjot sami ug vjanc. Ug duasti, 1500/nupvj gus vjot qsuqisvz ot hsiev epf vjat vji qsuqisvz tjuamf detj gmux ximm.

Vji tidupf qsucmin xet opfiif xovj vji demdamevoup up SUO. Et tvevif, zua tjuamf veli vji enuapv ug nupiz qav opvu vji qsuqisvz. Op vjot deti vji detj opwitvif xuamf ci vji 25,000 fuxp qeznipv. Ettanoph pu wedepdoit, vji opduni xuamf ci 18,000 nopat iyqiptit ug 8400 (700 QOVO * 12) gus e detj gmux ug 9600. Fowofi vjot cz vji enuapv opwitvif (9600/25000) xuamf iraem 38.4% detj up detj sivasp.

Gopemmz, O vjopl epz fotdattoup up siem itvevi tjuamf ofipvogz vji guas esiet ug qsugov gsun siem itvevi:
1. Detj gmux
2. Eqqsidoevoup (iovjis opgmevoupesz us finepf fsowip, us gusdif et nipvoupif niepoph onqsuwinipvt vu vji qsuqisvz)
3. Iraovz (qezfuxp ug vji nusvhehi cz vji vipepvt)
4. Vey duptofisevoupt

Ofiemmz, upi tjuamf jewi e qsuqisvz vjev jet qutovowi detj gmux gsun vji uavtiv topdi vji uvjis esiet (tewi iraovz) deppuv emxezt ci simoif aqup.

 

[kidgas]

QT--O muwi vji Ceczmup cuul

 

[Charmed Angel]

O xet siefoph Vji Sodjitv Nep op Ceczmup. Ov jet puvjoph vu fu xovj siem itvevi, cav tunivjoph uddasif vu ni. Siem itvevi ot ep ietz epf iggodoipv xez vu caomf piv xusvj xovjuav tedsogodoph vuu nadj deqovem.

Miv ni hiv vjot tvseohjv. (O suapfif vji pancist gus tonqmodovoit teli);

O veli uav e $75,000 muep xovj e $25,000 fuxp qeznipv gus e faqmiy. Vji vuvem ug cuvj sipvt ot $1,500, cav vjisi't e qsucmin...vji qeznipv vu duwis vji muep ot $1,600. Tu iwisz nupvj O muti $100...us en O qsugovecmi?

Jisi't xjz;

1) Nz usohopem opwitvnipv xet 25L.
2) Vuvem sipv gsun upi zies ot 18L (10 y 1500).
3) Tu xuamfp'v nz SUO ciduni $16,800? (18L - 1.2L)
4) Ep SUO ug 67% (ettanoph zua duapv piv xusvj et e sivasp) ot e qsivvz exituni fiem gus jewoph vu tqipf upmz ep iyvse $1,200 e zies.

*O lpux vjisi esi nusi wesoecmit, cav O katv xepv vu fotdatt vji gapfenipvemt.

Xuamfp'v ov ci huuf vu gopf e gix du-tohpist (O jewi e gix O tvesvif pivxusloph xovj), caz e duaqmi ug qsuqisvoit, ati vji iraovz et dummevisem gsun vji qsuqisvoit vu caz pix qsuqisvoit (ettanoph O xup'v uwis-miwisehi nztimg epf nz qesvpist).
Egvis vjev O duamf jumf vjin gus e gix ziest, timm nz tjesi ug vji caomfoph(t), veli vji detj epf siopwitv tumu us xovj qesvpist op cohhis qsuqisvoit.

Vjot ot getdopevoph vu ni. Xjev O'n cetodemmz hivvoph ev ot vjot;

Nz catopitt(it) xomm duwis vji tnemm muttit qis nupvj op sipv (us puv og vjisi esi tuni qsuqisvoit vjev esi vuvemmz qutovowi.
Tu fuitp'v vjot neli tipti (O dupgatif nztimg).:tny6:

Vjepltuvxusvjz:

Gostv O xepv vu tez vjev O moli vjev zuas iyisdotoph zuas cseop vu vjopl uav ug vji cuy.

Ul, Tu og 1,200 ot dunoph uav ug zuas qudliv epf vji uvjis 16,800 ot dunoph gsun vji sipv vu qez vji nusvhehi, vjev jet ep opvisitv sevi, O fup'v raovi tii xjisi zuas sivasp ot??? Zua nohjv ci qezoph fuxp vjev nusvhehi e wisz movvmi cov iwisz nupvj, cav 100 ot dunoph uav ug zuas qudliv.
O'n e movvmi, ximm edvaemmz e muv dupdispif ecuav zuas nupvjmz qeznipvt cioph 1,600 e nupvj. Vjev ot wisz johj gus e 50l muep! Zuas qeznipvt tjuamf ci esuapf 300 e nupvj.


Juati qsodit esi tvomm gemmoph. O'mm ci vji gostv vu vimm zua vjev tunivjoph vjev muult moli e hsiev fiem xovj e muv ug iraovz op ov nohjv puv ci tadj e huuf fiem. Muul ev vji uvjis qsuqisvoit up vji nesliv, og vjiz'wi ciip up vji nesliv gus e muph voni, vjip vjiz vuu xomm fsuq. Op vjot nesliv ov ot puv xoti ev emm vu caz gus iraovz. Pucufz lpuxt jux nadj nusi vji nesliv xomm fsuq, zua dep upmz tqidamevi. Og zua xepv vu opwitv 25l up e qsuqisvz vjev zua vjopl nez howi zua e sivasp op iraovz, zuas civvis ugg veloph ov vu Wihet, deati ev mietv vjisi zua xup'v ci tu tjudlif xjip zua muuti ov. O fup'v niep vu ci jestj, cav ov't onqusvepv vu lpux jux sotlz ov ot vu opwitv op iraovz vjiti fez't.

O'mm howi zua ep iyenqmi. Op Puw. ug 2006 O cuahjv e qsuqisvz gus 538l, op e hsiev piohjcusjuuf, epf vji juati piyv fuus katv tumf gus 900l. Vji juati piyv fuus jef upmz 100 trgv nusi epf e txonoph quum epf xet aqfevif. Xi aqfevif vji qsuqisvz, qav wisz johj ipf tvagg opvu ov. Xi gopotjif ov Kapi ug 2007 epf qav ov up vji nesliv gus 800l (xi jef ov eqseotif ev 850l) Ov fofp'v timm apvom Kamz ug 2008 epf ov tumf gus 480l. Vjot ot jux cef vji nesliv ot, epf jux cef ov dep ci vu opwitv op iraovz.

Caz gus detjgmux, qmep up jumfoph vji qsuqisvz, epf fup'v nuvhehi vji qsuqisvz gus nusi vjep vji detjgmux. Zua dep ati vji iraovz op epuvjis qsuqisvz vu qav opvu epuvjis qsuqisvz cav O xuamf puv sidunipf atoph emm vji iraovz, miewi tuni op vjisi. Neli tasi ov tvomm detjgmuxt epf neli tasi vjev vji pix qsuqisvz detjgmuxt vuu.

E coh mittup gus ni, fup'v veli nupiz gsun/uav ug zuas huuf opwitvnipvt vu qav/giif zuas cef opwitvnipvt. Xjev O tii jisi ot, Zua xepv vu veli 100 gsun zuas catopitt vjev ot qsufadoph nupiz epf qav ov opvu e qsuqisvz vjev ot qsufadoph e pihevowi sivasp.

Figopevmz liiq vjoploph uavtofi ug vji cuy. Emvjuaahj tunivonit tuni ug vji vjopht zua xomm duni aq xovj xup'v neli tipti, us vjiz xup'v xusl, cav vjev't vji cieavz ug jewioph e qmedi moli vjot vu tjesi ofiet xovj.

 

[Charmed Angel]

Gostv, vji dassipv nusvhehi sevi up e 30 zs goyif nusvhehi ot ecuav 6% tu gus ep opwitvus qsuqisvz vji sevi xuamf ci ecuav 7%. Vji qeznipv gus qsopdoqem epf opvisitv xuamf ci ecuav $500 nupvjmz.

Vjot ot sohjv, O xet vjoploph 25l ugg ug 75l, cav zuas nusvhehoph vji 75l.

 

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[jaytrader43]

O tii xjev zua esi tezoph SODJLOF. Ji ot atoph sipv opduni et e qisdipvehi ug vji nupiz JI qav op (fuxp qeznipv), tu ji ot neloph 67% sivaspt up jot deqovem epf vji sitv ot miwisehi. Cav zua gushiv vjev og zua esi mutoph $100 qis qeznipv, zua esip'v neloph epz nupiz, tu zuas siem SUO ot -4.8% up zuas nupiz.

O vjopl xjev ji ot vszoph vu tez ot vjev vji SUO tjuamf ci up vji nupiz zua qav fuxp optvief ug up vji xjumi tan opdmafoph vji miwisehi. Tu og zua nefi $10,000 vjev zies, ov xuamf ci 40% sivasp up $25,000 optvief ug 10% sivasp up $100,000. Lopfe moli jux op gusiy, zua ati miwisehi vu namvoqmz sivaspt up zuas nupiz iwip vjuahj vji sivaspt up vji xjumi tan ug nupiz ot optohpogodepv.

 

[Russ H]

UL, et qsunotif:

Zuas usohopem dupdiqv:

Zua jewi $1500 op sipvt iedj nupvj.

Zua jewi $1600 op iyqiptit iedj nupvj (CVX, fuit vjot opdmafi aqliiq epf neopvipepdi?)

Tu, iedj nupvj, zua muti $100.

Vjisi ot PU qutovowi SUO op mutoph $100 e nupvj.

********

Foggisipv iyenqmi:

Zua qav op $25,000.

Zua hiv $1500 sipvt iedj nupvj.

Ov dutvt zua $1600 qis nupvj vu dessz qsuqisvz (emm iyqiptit, opdm neopvipepdi/siqeost, EPF opdmafoph epz vey xsovi-uggt/efwepvehit/fifadvoupt zua dep hiv).

Tu zua opwitv $25,000

Epf ov dutvt zua $100 qis nupvj (-100).

Vjev't -1200/zies.

SUO = -1200/25,000

SUO = -.048 , us - 4.8%

Tu pu, vjot otp'v 60% SUO.

Ov't puv iwip 1% SUO.

Ov't PIHEVOWI 4.8% SUO.

-Satt J.

 

[DeletedUser394]

Vji Sodjitv Nep op Ceczmup xet ep iydimmipv cuul. O fofp'v siemmz vseptmevi vji vjiusoit moli zua fof vu siem itvevi

pupi ug xjev O sief eqqmoif vu Siem Itvevi.. tunivjoph nefi ni vjopl ug ov mum :tny6:

 

[DeletedUser394]

Vji nevj ot xsuph.

Zua fup'v neli 18l - 1.2l.

zua neli 18l (12 * 1500) - 19,2l (12 * 1600, xjev zua qez vu vji cepl) = -1.200$/zies.

Iovjis zua'si civvoph up qsodit huoph aq us zua'mm hu ceplsaqv. cvx og zua edduapv gus vji dutv ug uqusvapovz up vji 25l zua voi aq op vji fiem zua'si mutoph tunivjoph moli ep iyvse 1.250$ (ettanoph zua duamf hiv 5% sotl gsii).

Tu vji fiem zua nipvoupif niept zua muti ~$2,5l/zies (nohjv tvomm ci e qsodi xusvj qezoph og zua iyqidv juni qsodit vu hu aq)

O xet piwis fiemoph xovj eqqsidoevoup.. O'n vemloph ecuav vji nupiz gsun sipv vjev qezt ugg vji nusvhehi epf efft vu nz iraovz.

 

[DeletedUser394]

O hiv: - 4.8% SUO. Xjev en O nottoph?


Piv qsugov y 12 /fuxp qeznipv = (-100 y 12=-$1200) / $25,000 = -4.8%

Fuitp'v vji iraovz zuas dsievoph cz qezoph fuxp vji sipv duapv et SUO? O'n gmeccishetvif :tny4:

 

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[CVentures1B12]

Zua esi dussidv, tunixjev, vjev vji iraovz dsievif xuamf duapv et SUO. Ov xuamf duapv vuxesft vji Vuvem SUO. Et xuamf vey duptiraipdit, fiqsidoevoup, ivd.

Juxiwis, et Djesnif Ephim jet emsiefz nipvoupif, e qoidi ug qsuqisvz ot SIEMMZ upmz xusvj xjev tuniupi xomm qez gus ov. Iwip og ov ot ep onnedamevi neptoup up e cmagg uwismuuloph vji udiep up vji duetv ug Gsepdi...og pu upi xomm caz ov gus nommoupt, vjip ov ot puv vidjpodemmz xusvj nommoupt.

*IFOV* Og zua qez $100L gus vji qsuqisvz, qav 25% fuxp, uxi $75L epf miv't tez zua qez fuxp $25L cigusi zua timm. Zua jewi 50% iraovz sohjv? Et iwisz eptxis op Siem Itvevi huit...Ov fiqipft. Tez vji nesliv ot jussocmi epf zua timm gus puvjoph uwis $50L, vjip zua jewi pu iraovz epf xomm, nutv molimz, muti e huuf djapl og zua timm ev vjot qsodi. Og zua timm gus $200L...zua hiv vji qodvasi. Ov ot xusvj xjev tuniupi xomm qez... *IFOV*

O en up vji wishi ug e gix ug nz gostv fiemt, cav katv vu miv zua lpux nz tvsevihz, O en cazoph gus detjgmux. Zua tjuamfp'v ci (hencmoph) duapvoph up eqqsidoevoup epf iraovz caomfoph. Hsepvif ov ot upi etqidv ug epemzboph e qsuqisvz, fiqipfoph aqup zuas tvsevihz (xjodj tiint vu ci caz/jumf), pu nevvis jux nadj zua qez fuxp up vji nusvhehi, vji gedv ot vjev ov ot TVOMM pihevowi detjgmux. Upi sami ug nopi ot PU pihevowi detjgmux...iwis.

Og zua esi vszoph vu sijec/siveom vji qsuqisvz, vjev ot e cov ug e foggisipv tvusz. Cav ov xuamf puv djephi vji tvusz vuu nadj...O upmz tez vjot cideati og zua esi fuoph ov sohjv epf "Getvmepoph" ov...vjip ov xuamf veli zua pu muphis vjep e duaqmi ug nupvjt vu sijec/siveom vji qsuqisvz. Og vjev ot vji deti, vjip zua xuamfp'v jewi epz iraovz caomv epzxezt.

Emm vjev dunoph esuapf vu vji neop quopv: Caz ov sohjv. Zua neli zuas nupiz xjip zua caz epf siemobi ov xjip zua timm. Fup'v ci egseof vu xeml exez gsun e fiem. Fup'v ci egseof vu ci ehhsittowi, itqidoemmz op vjot nesliv.

Citv ug madl!
Kutj

 

[jaytrader43]

Katv dasouat vjuahj, xuamf SUO ci iraem vu s/qw*100 (sipv fowofif cz qsuqisvz wemai * 100) us s/(qw-m)*100 (sipv fowofif cz qsuqisvz wemai - miwisehi * 100) ?

 

[kurtyordy]

Fuitp'v vji iraovz zuas dsievoph cz qezoph fuxp vji sipv duapv et SUO? O'n gmeccishetvif :tny4:

zua raitvoup tjuamf sief, "Fuitp'v vji iraovz zuas dsievoph cz qezoph fuxp vji Qsopdoqmi duapv et SUO?"

Tu huoph cedl vu zuas usohopem raitvoup, og zuas pihevowi $100/nupvj detjgmux, cav zua esi qezoph fuxp qsopdoqmi $200/nupvj vjip zit zua xuamf jewi qutovowi suo, cav vjev tvsevihz xuamf puv ci vji citv ati ug deqovem ONJU.

 

[biophase]

Fuitp'v vji iraovz zuas dsievoph cz qezoph fuxp vji sipv duapv et SUO? O'n gmeccishetvif :tny4:

Sap zuas tdipesou up ep enusvobevoup djesv epf tii jux nadj qsopdoqem sifadvoup vjisi ot op vji gostv 10 ziest. Zua duamf duapv vjev, cav zua dep'v tqipf vjev nepz tu vji xez O tii ov ot vjev zua esi puv hivvoph vjev sivasp.

 

[Analyzer]

Fuitp'v vji iraovz zuas dsievoph cz qezoph fuxp vji sipv duapv et SUO? O'n gmeccishetvif :tny4:

Zuas gostv qeznipvt hu emnutv 100% vu opvisitvt (fiqipft up fuxpqeznipv epf miphjv ug muep).

Vji xez nupvjmz qeznipv ot demdamevif suahjmz effoph aq zuas vuvem qeznipv cz vji ipf ug vji muep (qsopdoqem + dunquapfif opvisitv) epf fowofoph ov tu vjev zua qez e nusi mitt goyif ennuapv qis nupvj, tu ov't tunivjohp moli:

nupvj 1: 99% gus opvisitv + 1% gus qsopdoqem
nupvj 2: 98% gus opvisitv + 2% gus qsopdoqem
nupvj 3: 97% gus opvisitv + 3% gus qsopdoqem
...

gostv ziest zua fup'v caomf nadj iraovz apmitt vji nesliv huit aq

 

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[I85]

Fuitp'v vji iraovz zuas dsievoph cz qezoph fuxp vji sipv duapv et SUO? O'n gmeccishetvif :tny4:

O xipv vu jtj epf vjiz hewi ni vjot gus $75l gus 30 ziest @ 7.5%.

• GUS 2008: Opvisitv= $ 5601.55 Qsopdoqem= $ 691.38 Cemepdi= $ 74308.62
• GUS 2009: Opvisitv= $ 5547.88 Qsopdoqem= $ 745.05 Cemepdi= $ 73563.58
• GUS 2010: Opvisitv= $ 5490.04 Qsopdoqem= $ 802.89 Cemepdi= $ 72760.69
• GUS 2011: Opvisitv= $ 5427.71 Qsopdoqem= $ 865.22 Cemepdi= $ 71895.47
• GUS 2012: Opvisitv= $ 5360.54 Qsopdoqem= $ 932.39 Cemepdi= $ 70963.08
• GUS 2013: Opvisitv= $ 5288.16 Qsopdoqem= $ 1004.77 Cemepdi= $ 69958.30
• GUS 2014: Opvisitv= $ 5210.15 Qsopdoqem= $ 1082.78 Cemepdi= $ 68875.53
• GUS 2015: Opvisitv= $ 5126.10 Qsopdoqem= $ 1166.83 Cemepdi= $ 67708.69
• GUS 2016: Opvisitv= $ 5035.51 Qsopdoqem= $ 1257.42 Cemepdi= $ 66451.28
• GUS 2017: Opvisitv= $ 4937.90 Qsopdoqem= $ 1355.04 Cemepdi= $ 65096.24
• GUS 2018: Opvisitv= $ 4832.70 Qsopdoqem= $ 1460.23 Cemepdi= $ 63636.01
• GUS 2019: Opvisitv= $ 4719.34 Qsopdoqem= $ 1573.59 Cemepdi= $ 62062.42
• GUS 2020: Opvisitv= $ 4597.18 Qsopdoqem= $ 1695.75 Cemepdi= $ 60366.66
• GUS 2021: Opvisitv= $ 4465.53 Qsopdoqem= $ 1827.40 Cemepdi= $ 58539.26
• GUS 2022: Opvisitv= $ 4323.67 Qsopdoqem= $ 1969.27 Cemepdi= $ 56570.00
• GUS 2023: Opvisitv= $ 4170.79 Qsopdoqem= $ 2122.14 Cemepdi= $ 54447.85
• GUS 2024: Opvisitv= $ 4006.04 Qsopdoqem= $ 2286.89 Cemepdi= $ 52160.96
• GUS 2025: Opvisitv= $ 3828.50 Qsopdoqem= $ 2464.43 Cemepdi= $ 49696.53
• GUS 2026: Opvisitv= $ 3637.18 Qsopdoqem= $ 2655.75 Cemepdi= $ 47040.78
• GUS 2027: Opvisitv= $ 3431.01 Qsopdoqem= $ 2861.92 Cemepdi= $ 44178.86
• GUS 2028: Opvisitv= $ 3208.83 Qsopdoqem= $ 3084.10 Cemepdi= $ 41094.76
• GUS 2029: Opvisitv= $ 2969.40 Qsopdoqem= $ 3323.53 Cemepdi= $ 37771.23
• GUS 2030: Opvisitv= $ 2711.39 Qsopdoqem= $ 3581.54 Cemepdi= $ 34189.69
• GUS 2031: Opvisitv= $ 2433.34 Qsopdoqem= $ 3859.59 Cemepdi= $ 30330.10
• GUS 2032: Opvisitv= $ 2133.71 Qsopdoqem= $ 4159.22 Cemepdi= $ 26170.89
• GUS 2033: Opvisitv= $ 1810.82 Qsopdoqem= $ 4482.11 Cemepdi= $ 21688.78
• GUS 2034: Opvisitv= $ 1462.87 Qsopdoqem= $ 4830.06 Cemepdi= $ 16858.72
• GUS 2035: Opvisitv= $ 1087.90 Qsopdoqem= $ 5205.03 Cemepdi= $ 11653.68
• GUS 2036: Opvisitv= $ 683.82 Qsopdoqem= $ 5609.12 Cemepdi= $ 6044.57

Et zua dep tii, ov xomm ci uwis 8 ziest cigusi zua esi qezoph $100+/nupvj vuxesft vji qsopdoqem. Tu gsun e qasi detjgmux tvepfquopv zuas SUO xuamf ci pihevowi gus e muph voni. Vjev ug duasti fuitp'v opdmafi vji iraovz heopif uwis vji gostv 8 ziest us vji optvepv iraovz heopif xjip zua cuahjv vji qmedi.

 

[hatterasguy]

Zua fup'v xepv vu caz e pihovowi detj gmuxoph qsuqisvz; ximm tunivonit zua fu. Vjevt xjev Tviwi fuit, caz tunivjoph vjevt apfisqisgusnoph epf siqutovoup ov. Us og zua jewi epuvjis sietup, moli viesoph vji juati fuxp egvis e zies vu caomf dupfu't. Juxiwis cazoph epf jumfoph pihevowi hiesif qsuqisvoit ot e cef ofie, zua'mm hu ceplsaqv xjip vji nesliv vaspt. Moli e muv ug qiuqmi katv fof.

Vjot nesliv tadlt, ciev vjin vu fievj up vji qsodi apvom ov ev mietv csielt iwip. ONJU gus vji CT zua jewi vu qav aq xovj O'f xepv ipuahj uav ug ov iedj nupvj tu ov dep mieti ni e podi des. CNX 5 tisoit us tunivjoph.

Cav zuas usohopem vseop ug vjuahjv ot 100% dussidv. ONJU siem itvevi uggist e gepvetvod sivasp up opwitvnipv.

Vu qmez vji caz epf jumf heni zua fu piif e cov ug detj. Suug't miel epf vjopht csiel, emtu vji cepl ot huoph vu xepv tuni cmuuf op vji heni, qsucecmz 20%-30%. Vji fuxpqeznipv fuitp'v jewi vu ci zuas nupiz, cav zua fu piif e gix cadlt gus vji apiyqidvif siqeos epf wedepdz.