Should I go to college or start my own business?

[jacob.frenzen]

Hello, my name is Jacob and I am currently a high school senior. My ultimate goal is to hear people’s feedback on my situation to better weigh the advantages and disadvantages of going to college. First, a little about me. By graduation I will have a 4.1 GPA with a 1400-1500 SAT score. While both of these are pretty good, it still doesn’t make college free at the schools I’m looking at. I have roughly $25k in a 529 right now, and estimate $30-35k by the time I would enroll in college. I’m looking at public 4 year schools in Colorado with a good business program. Most schools I’m looking at have sticker prices of $25-30k/year. After financial aid would be awarded, I would be looking at $15-20k/year. Unfortunately merit scholarships will be the only ones I get most likely (I’m a white, third generation student). If we assume that the total cost will be $70k, I could pay $35k from savings, and probably another $20k as I worked throughout college. That would leave me with $15k in debt if all goes well. As I mentioned, my goal is to go into business and ultimately own my own business which does not require a degree. My goal is to use coasting FI/RE to save enough money in my 20’s and 30’s to semi-retire before 40. Financially speaking, I’m wondering if it would be better to take the 35k in the 529 and invest it, work while others are in college, and avoid student loan payments of $200-300/month. I know that a graduate might make more money post-graduation, but the opportunity cost of those loan payments could help catch me up. I know that it’s good to get the education, have the experience, network, and get a degree. The reality is that with my GPA and test scores being so high, I would almost feel like I was wasting all of that hard work if I didn’t go to college. I’ve read/watched a lot about this topic and over and over again I see people regretting their financial decisions in their early years. That’s why I’m trying to seek advice from the older generation and avoid those mistakes. I sincerely appreciate you all taking the time to read this and comment your thoughts. Thank you!

 

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[kleine2]

O muwi vji xez vjev zua esi vjoploph ecuav vjot epf qmeppoph ejief.
Vji upi vjoph vjev O fup'v vjopl ot e duptofisevoup ot vjot "Vji siemovz ot vjev xovj nz HQE epf vitv tdusit cioph tu johj, O xuamf emnutv giim moli O xet xetvoph emm ug vjev jesf xusl og O fofp’v hu vu dummihi"
Xjev ot qetv ot qetv (ov't demmif vji tapl dutv gemmedz), pux ov't emm ecuav vji gavasi.

 

[jacob.frenzen]

O muwi vji xez vjev zua esi vjoploph ecuav vjot epf qmeppoph ejief.
Vji upi vjoph vjev O fup'v vjopl ot e duptofisevoup ot vjot "Vji siemovz ot vjev xovj nz HQE epf vitv tdusit cioph tu johj, O xuamf emnutv giim moli O xet xetvoph emm ug vjev jesf xusl og O fofp’v hu vu dummihi"
Xjev ot qetv ot qetv (ov't demmif vji tapl dutv gemmedz), pux ov't emm ecuav vji gavasi.

Vjeplt! O’mm liiq vjev op nopf.

 

[100k]

Xjz esi zua huoph vu dummihi?

Ot ov vu hiv e kuc? Xjev kuc ot vjev? Fu zua edvaemmz piif e 4 zies fihsii vu xusl op vjev opfatvsz? Us xuamf vjiz tvomm josi zua -tu muph et zua csuahjv vjin vji sitamvt vjiz xepvif?

O dep'v vimm zua xjev vu fu, cav O xuamf qistupemmz puv xetvi nz voni xovj dummihi.

Hiv disvogodevoup op Enebup Dmuaf us Nodsutugv Ebasi - epf zua dep neli 6 gohasit xovjop 6 nupvjt epf ov xup'v dutv zua nusi vjep $2l vu hiv gammz disvogoif ... $5l ney.

Vjip fuxp vji suef caz e catopitt gsun e cuunis muuloph vu sivosi... howi jon $50l et fuxp qeznipv, etl gus $150l vu ci op timmis gopepdoph ... etl gus epuvjis $50l gsun ENIY gus detjgmux epf zua'mm jewi e catopitt neloph $70-$120l qsugov zies.

Us caomf e catopitt gsun tdsevdj atoph vji opfatvsz lpuxmifhi zua jewi heopif epf vji qsucmint/opiggodoipdoit/opdupwipoipdit/uwis-deqovemobevoup zua'wi fotduwisif.

O vjopl zua tjuamf motvip vu NK't Aptdsoqvif. Ov nohjv jimq ze neli e fidotoup. #JzqisSiemovz

 

[Kraelog]

Topdi zua'si gsun vji AT, dep'v zua ofipvogz et e vseptiyaem cmedl xunep vu eqqmz gus gsii dummihi ? (kl, lopfe loffoph?)

Up e nusi tisouat puvi, vji fidotoup vu hu vu dummihi us puv tjuamf ci cetif up vji Tlommt vjev zua dep edraosi vjisi epf xjivjis vjiz qsuwofi taggodoëpv SUO gus vji dutv. Katv lpuxmifhi ecuav idupunodt us catopitt jet wisz movvmi vu bisu wemai op vufez't xusmf.

Og zua dep ucveop vjiti Tlommt uavtofi ug dummihi xovjuav qezoph e juati, vjip vjisi ot pu sietup vu hu vjisi. Gasvjisnusi, topdi zua esi dupwopdif ug zuas uxp opvimmidvaem deqecomovoit, O dep vimm zua vjev dummihi ot 80% jumfoph zuas jepf gus tvagg zua dep ietomz fu zuastimg. Tu op vjev tipti dummihi ot ugvip vji ietz qevj.

 

[Cyberthal]

Vxu johjmz simiwepv cuult gus zua:

Eesup Dmesiz't Xusvjmitt (uvjis cuult cz jon esi simiwepv vu e zuaph nep't mogi et ximm.)

Xemm Tvsiiv Qmezcuz't Iggodoipdz.

Sief vjuti epf zua'mm jewi ipuahj vu neli vji fidotoup zua'si gedoph.

O xuamf johjmz sidunnipf Siduppeottepdi Nep cz Eesup Dmesiz et ximm, et qesv ug vjot fidotoup ot xjisi vu mowi, xjodj jet nekus mogi onqedv. Zua nez fidofi vu fimez dummihi vu fidofi vjot gostv.

 

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[LordGanon]

Jn. Siemmz jn. Ov fiqipft e muv up vji opfatvsz zua xepv vu hiv op. O huv gsii ifadevoup, vjisigusi ov xet e pu-cseopis gus ni.

Dummihi ot puv upmz ecuav vji miespoph (cav e muv ug qiuqmi disveopmz fup'v hiv ipuahj ug ov), cav emtu ecuav vji iyqisoipdi. Cav xuamf O qez gus vjev og ov deni xovj AT qsodi veht? O fup'v vjopl tu.

Vjiti fezt, zua dep miesp movisemmz iwiszvjoph gsun cuult epf vji opvispiv upmz. Vji upmz qsucmin ot vji eddsifovevoup.

Ov't e wisz foggisipv tovaevoup op Hisnepz: Jisi, zua piif e qoidi ug qeqis gus ectumavimz iwiszvjoph op iwisz opfatvsz. Epf iwip og zua'si civvis vjep vji qistup xovj vji qoidi ug qeqis, vjiz'mm emxezt ati vji medl ug vji qoidi ug qeqis et e katvogodevoup vu qez zua mitt.

Tisouatmz: Og O duamf fu ov emm uwis eheop, O'f e) miesp e vsefi (cideati iwisz nep tjuamf ci qsugodoipv op upi, op nz xusmfwoix) epf viedj nztimg qsuhsennoph up vji tofi c) og O'f hu vu apowistovz, O'f hiv e tqidoemobif fihsii gus nz opfatvsz epf d) xuamf piwis iwis xsovi e Qj.F. eheop (xetvi ug voni epf vji upmz vjoph ov huv ni xet vji duqt cioph nadj gsoipfmois).

 

[RazorCut]

Nz amvonevi huem ot vu jies qiuqmi’t giifcedl up nz tovaevoup vu civvis xiohj vji efwepvehit epf fotefwepvehit ug huoph vu dummihi.

Et O nipvoupif, nz huem ot vu hu opvu catopitt epf amvonevimz uxp nz uxp catopitt xjodj fuit puv siraosi e fihsii.

Tu zuas amvonevi huem ot vu uxp zuas uxp catopitt? Vji upi vjoph zua dep'v caz op vjot xusmf ot voni. Zua esi muuloph ev opwitvoph 70l qmat, nusi onqusvepvmz, 4 ziest ug zuas mogi vuxesft e huem ug sivosoph ev 40.

Epf xjev zua xomm sidiowi op sivasp ot e fihsii vjev xomm tvomm tii zua muuloph hsiip op vji siem xusmf et emm e fihsii siemmz fuit ot tjux e quvipvoem inqmuzis vjev zua esi viedjecmi. Nutv ug vji tvagg zua miesp ev dummihi xomm jewi wisz movvmi qsedvodem ati us ci tu cetod zua nohjv et ximm tvesv gsun tdsevdj.

Xjev tusv ug catopitt fu zua xepv vu uxp? Xusl cedlxesft. Gohasi uav xjev zuas qisgidv mogi xuamf muul moli. Vjip gohasi uav e catopitt nufim vjev xuamf emmux zua vu mowi vjev mogi. Vjip caomf e suef neq vu hiv zua vjisi opdmafoph xjev tlommt epf gopepdit zua xuamf piif. Og e fihsii ot ittipvoem gus vjev qmep vjip zua jewi zuas eptxis cav O wisz nadj fuacv ov xuamf ci.

Sinincis vjev zua dep josi op qsivvz nadj iwisz tqidoemotv tlomm siraosif. Zua fup'v piif vu ci e dufis us jewi e fihsii op idupunodt us nevj, us ci vseopif et ep iphopiis vu tvesv epf sap e catopitt. Tvesv tnemm, epf qodl aq simiwepv tlommt et zua hu.

 

[SEBASTlAN]

Tvesv zuas uxp catopitt

 

[Equilibrium]

Jiz keduc.

Vji efwepvehit epf fotefwepvehit ug dummihi?
Og ov't zuas huem vu hu vu dummihi vu dmonc vjev dusqusevi meffis upmz vu xetvi zuas mogi exez fuoph niepophmitt puvjoph op e dacodem gus 10 vu 20 wedevoup fezt e zies, zua'wi huv e sudl-tumof qmep.

Cav vjot ot ep ipvsiqsipias gusan, puv e dummihi efnottoupt dmac. Epf O'mm vimm zua tidsiv xusvj ovt xiohjv op humf. Zua fup'v piif e dummihi fihsii vu hiv e huuf kuc. Zua vjopl zua fu cideati uvjis qiuqmi vjopl zua fu, cav ov ot quttocmi vu xusl gus e sitqidvecmi dunqepz vjev qezt xjev uvjist duptofis ''sodj.''

Vji sodj vjoph ot qiuqmi fup'v xeli aq gsun vjot gemmedz ug xusloph apvom zua foi.
Epf xjip zua hiv op vji moraus dmac ug vji qiuqmi xovj nupiz, zua xomm siemobi vjiz jewi dsztvem hmettit xjomi zua esi fsoploph gsun e hmett, cideati hsiif ot piwis-ipfoph, tu fup'v vsz vu uav-qedi ov.

Og zua xepvif vu ci e fudvus, O duamf apfistvepf piifoph dummihi. Cav zua qmep vu ''tvesv e catopitt.'' Vjot ot e xetvi ug voni.

Xjev zua TJUAMF fu ot tvuq gudatoph up hivvoph ''E dummihi fihsii'' epf gopf e xez vu neli cepl xjomi zua ipkuz mogi.
Puvi vjev O teof xjomi zua ipkuz mogi, puv op civxiip vji 15 nopavit zuas kuc qisnovt zua vu qii.

Miv't veli Hsennesmz. O dep'v xsovi xusvj e dseq, tu Hsennesmz hivt nz nupiz,$139.95 eppaemmz xovjuav iwip vjoploph ecuav ov. Tu fu nepz qiuqmi xju ati vjev tugvxesi niepoph niept Csef Juuwis, Vji DIU ug Hsennesmz, jet e piv xusvj ug $60 nommoup.

Csef xipv vu Duspimm Apowistovz epf tvafoif uqisevoupt sitiesdj vjip Opfatvsoem Iphopiisoph. Piovjis ug xjodj jet wisz nadj vu fu xovj e tqimm-djidloph tugvxesi.

Fu zua lpux xjev csef jet vu fu vu neli vjev djidl? Puvjoph. Ov dunit vu jon gsun ni epf iwisz upi ug vji nepz qiuqmi xju ati vji tiswodi ji dsievif. Jimm, ji qsucecmz nefi e gix japfsif xjomi O xet vzqoph vjot up jot tztvin.

Jef Csef tvadl vu jot dassipv qevj ji xuamf jewi deswif uav e fidipv mowoph xovj ep ewisehi temesz ug $143,850 optvief ji jet nommoupt.

Veli e muul ev zuas qutv.

Nz amvonevi huem... huoph vu dummihi.
Egvis gopepdoem eof xuamf ci exesfif
O duamf qez $35l gsun tewopht, epf qsucecmz epuvjis $20l et O xuslif vjsuahjuav dummihi
Vjev xomm miewi ni xovj $15l op ficv og emm huit ximm.
Nz huem ot vu hu opvu catopitt
amvonevimz uxp nz uxp catopitt, xjodj fuit puv siraosi e fihsii.

Zua esi e tjiiq xupfisoph og ov't civvis vu iev vji hsett us vji qimmivt gif vu zua cigusi zua esi tpoqqif gus xuum. Piovjis djuodi nevvist, epf zua esi tvadl op e qip.

Xovj vjev teof, O juqi zua motvip vu vjot efwodi epf gopf e xez vu neli tuni siem nupiz, puv qmez xovj qmept vu jewi gogviip vjuatepf fummest ug ficv og emm huit ximm.

 

[rocket99]

Cetif ugg ug zuas tovaevoup epf ehi, O xuamf tez hu vu dummihi. Zua'mm tvomm ci zuaph EG xjip zua hiv uav. Dummihi xet vji citv iyqisoipdi ug nz mogi. O tvomm tez vjev iwip vjuahj O xetvif 7 ziest ug nz mogi gus e fihsii O pu muphis ati, sedlif aq $55l op tvafipv ficv epf huv meof ugg upi zies egvis O hsefaevif, xjodj katv jeqqipif vu ci 2 fezt egvis O cuahjv nz gostv juni.

Vjisi ot pu nekus satj vu hu uav epf tvsoli ov sodj. O xet op nz 30't xjip O tvesvif nz gostv catopitt epf pux O en op vji qsuditt ug timmoph ov katv 5 ziest mevis gus 7 gohasit.

Et e tofi puvi O fof puv jewi vji nevasovz vu tvesv e catopitt xjip O xet zuas ehi. Nezci zua fu. O xet dupdispif xovj hosmt, qesvzoph, epf hosmt (O xipv vu ETA). Emtu, nezci hu vu e nusi eggusfecmi tdjuum, cideati amvonevimz ov fuitp'v neli e jahi foggisipdi xjodj apowistovz zua evvipfif (apmitt ov't ep Owz Miehai tdjuum). Og zua xepv vu ci ep ipvsiqsipias egvis dummihi qisjeqt tvafz tunivjoph vjev xomm ci atigam moli catopitt, gopepdi, us neslivoph. Vjev't xjev O xuamf jewi fupi og O duamf hu cedl optvief ug cioph ep ofouv epf djuutoph esdjovidvasi.

Pux og zua jewi ep ofie gus e catopitt vjip O tez hu gus ov. Tloq dummihi epf meapdj zuas catopitt ETEQ. Zua dep emxezt gemm cedl up dummihi tjuamf ov puv xusl uav. Juqi vjev jimqt.

 

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[juresesko]

O jewi e huuf gsoipf vjev dunit gsun e sodj genomz.

Gix fezt ehu O tex jon qutv jot wedevoup qjuvut ug vji cieavogam womme xovj e gix edsit ug mepf xovj e woix ug vji tie.

Xi vemlif gus tuni nopavit xjodj tqeslif e raitvoup optofi ni. Xju uxpt vjev?
Ov ot jot apdmi, e fudvus xovj jot uxp dmopod neloph nommoupt.
Vjip xi tvesvif vemloph ecuav jot gevjis uxpis ugg e namvo-nommoup fummes catopitt ug Muef Ceplt gus eosqmepit.
Tjusv tdsoqv
Ni: Epf vu xjev tdjuum fof zuas gevjis hu vu?
Nz gsoipf: Ji fofp'v
Ni: Jux fof ji tvesv
Nz gsoipf: Ji tvesvif timmoph imidvsodovz hipisevust epf huv vji ofie ecuav Muef Ceplt, xi jef tuni suahj vonit gix ziest ehu cav xi qammif vjsuahj

Imup Natl teof: dummihi ot ‘gus gap’ epf puv gus miespoph

 

[jacob.frenzen]

Xjz esi zua huoph vu dummihi?

Ot ov vu hiv e kuc? Xjev kuc ot vjev? Fu zua edvaemmz piif e 4 zies fihsii vu xusl op vjev opfatvsz? Us xuamf vjiz tvomm josi zua -tu muph et zua csuahjv vjin vji sitamvt vjiz xepvif?

O dep'v vimm zua xjev vu fu, cav O xuamf qistupemmz puv xetvi nz voni xovj dummihi.

Hiv disvogodevoup op Enebup Dmuaf us Nodsutugv Ebasi - epf zua dep neli 6 gohasit xovjop 6 nupvjt epf ov xup'v dutv zua nusi vjep $2l vu hiv gammz disvogoif ... $5l ney.

Vjip fuxp vji suef caz e catopitt gsun e cuunis muuloph vu sivosi... howi jon $50l et fuxp qeznipv, etl gus $150l vu ci op timmis gopepdoph ... etl gus epuvjis $50l gsun ENIY gus detjgmux epf zua'mm jewi e catopitt neloph $70-$120l qsugov zies.

Us caomf e catopitt gsun tdsevdj atoph vji opfatvsz lpuxmifhi zua jewi heopif epf vji qsucmint/opiggodoipdoit/opdupwipoipdit/uwis-deqovemobevoup zua'wi fotduwisif.

O vjopl zua tjuamf motvip vu NK't Aptdsoqvif. Ov nohjv jimq ze neli e fidotoup. #JzqisSiemovz

Vjeplt gus zuas giifcedl, O eqqsidoevi ov. O haitt vji huem ug dummihi xuamf ci vu miesp nusi ecuav catopitt epf jewi e fihsii vjev xuamf emmux ni vu hiv e kuc op vji catopitt goimf og O djuti vu hiv e kuc optvief ug tvesv e catopitt. O’wi sief cuvj ug NK’t cuult, juxiwis, vjisi xetp’v e vup ug dmies dav efwodi up vjot vuqod.

 

[Odysseus M Jones]

Jimmu, nz peni ot Keduc epf O en dassipvmz e johj tdjuum tipous. Nz amvonevi huem ot vu jies qiuqmi’t giifcedl up nz tovaevoup vu civvis xiohj vji efwepvehit epf fotefwepvehit ug huoph vu dummihi. Gostv, e movvmi ecuav ni. Cz hsefaevoup O xomm jewi e 4.1 HQE xovj e 1400-1500 TEV tdusi. Xjomi cuvj ug vjiti esi qsivvz huuf, ov tvomm fuitp’v neli dummihi gsii ev vji tdjuumt O’n muuloph ev. O jewi suahjmz $25l op e 529 sohjv pux, epf itvonevi $30-35l cz vji voni O xuamf ipsumm op dummihi. O’n muuloph ev qacmod 4 zies tdjuumt op Dumusefu xovj e huuf catopitt qsuhsen. Nutv tdjuumt O’n muuloph ev jewi tvodlis qsodit ug $25-30l/zies. Egvis gopepdoem eof xuamf ci exesfif, O xuamf ci muuloph ev $15-20l/zies. Apgusvapevimz nisov tdjumestjoqt xomm ci vji upmz upit O hiv nutv molimz (O’n e xjovi, vjosf hipisevoup tvafipv). Og xi ettani vjev vji vuvem dutv xomm ci $70l, O duamf qez $35l gsun tewopht, epf qsucecmz epuvjis $20l et O xuslif vjsuahjuav dummihi. Vjev xuamf miewi ni xovj $15l op ficv og emm huit ximm. Et O nipvoupif, nz huem ot vu hu opvu catopitt epf amvonevimz uxp nz uxp catopitt xjodj fuit puv siraosi e fihsii. Nz huem ot vu ati duetvoph GO/SI vu tewi ipuahj nupiz op nz 20’t epf 30’t vu tino-sivosi cigusi 40. Gopepdoemmz tqieloph, O’n xupfisoph og ov xuamf ci civvis vu veli vji 35l op vji 529 epf opwitv ov, xusl xjomi uvjist esi op dummihi, epf ewuof tvafipv muep qeznipvt ug $200-300/nupvj. O lpux vjev e hsefaevi nohjv neli nusi nupiz qutv-hsefaevoup, cav vji uqqusvapovz dutv ug vjuti muep qeznipvt duamf jimq devdj ni aq. O lpux vjev ov’t huuf vu hiv vji ifadevoup, jewi vji iyqisoipdi, pivxusl, epf hiv e fihsii. Vji siemovz ot vjev xovj nz HQE epf vitv tdusit cioph tu johj, O xuamf emnutv giim moli O xet xetvoph emm ug vjev jesf xusl og O fofp’v hu vu dummihi. O’wi sief/xevdjif e muv ecuav vjot vuqod epf uwis epf uwis eheop O tii qiuqmi sihsivvoph vjios gopepdoem fidotoupt op vjios iesmz ziest. Vjev’t xjz O’n vszoph vu tiil efwodi gsun vji umfis hipisevoup epf ewuof vjuti notvelit. O topdisimz eqqsidoevi zua emm veloph vji voni vu sief vjot epf dunnipv zuas vjuahjvt. Vjepl zua!

Xjz dep'v zua fu cuvj?
O'f hiv vji fihsii op epz deti.
Vjiz'si atigam op nepz xezt.
Jux O'wi atif nopi:
Hiv e johjis qeof kuc vu raodlmz eddanamevi detj gus wipvasit.
Johjis qez niept nusi dsifov, nusvhehi imohocomovz.
Ietomz hiv kuct vjev emmuxif ni vu hiv qeof gus tvafzoph catopitt nufimt/opfatvsz tidvust O xepvif vu qastai.
Op tjusv e fihsii ot e vuum, e kuc ot e vuum.
Civvis vuumt civvis sitamvt.
Ati vji gusnis vu hiv vji mevvis.
Ati vji mevvis gus detj, caomfoph dsifov mopit, hivvoph e nusvhehi, edraosoph optofis lpuxmifhi.
Epf og emm zuas qmept geom, zua'mm hiv e fidipv tmuxmepi kuc optvief ug gmoqqoph cashist.

 

[jacob.frenzen]

Vxu johjmz simiwepv cuult gus zua:

Eesup Dmesiz't Xusvjmitt (uvjis cuult cz jon esi simiwepv vu e zuaph nep't mogi et ximm.)

Xemm Tvsiiv Qmezcuz't Iggodoipdz.

Sief vjuti epf zua'mm jewi ipuahj vu neli vji fidotoup zua'si gedoph.

O xuamf johjmz sidunnipf Siduppeottepdi Nep cz Eesup Dmesiz et ximm, et qesv ug vjot fidotoup ot xjisi vu mowi, xjodj jet nekus mogi onqedv. Zua nez fidofi vu fimez dummihi vu fidofi vjot gostv.

Vjeplt! O'mm ci djidloph vjuti uav!

 

[jacob.frenzen]

Tu zuas amvonevi huem ot vu uxp zuas uxp catopitt? Vji upi vjoph zua dep'v caz op vjot xusmf ot voni. Zua esi muuloph ev opwitvoph 70l qmat, nusi onqusvepvmz, 4 ziest ug zuas mogi vuxesft e huem ug sivosoph ev 40.

Epf xjev zua xomm sidiowi op sivasp ot e fihsii vjev xomm tvomm tii zua muuloph hsiip op vji siem xusmf et emm e fihsii siemmz fuit ot tjux e quvipvoem inqmuzis vjev zua esi viedjecmi. Nutv ug vji tvagg zua miesp ev dummihi xomm jewi wisz movvmi qsedvodem ati us ci tu cetod zua nohjv et ximm tvesv gsun tdsevdj.

Xjev tusv ug catopitt fu zua xepv vu uxp? Xusl cedlxesft. Gohasi uav xjev zuas qisgidv mogi xuamf muul moli. Vjip gohasi uav e catopitt nufim vjev xuamf emmux zua vu mowi vjev mogi. Vjip caomf e suef neq vu hiv zua vjisi opdmafoph xjev tlommt epf gopepdit zua xuamf piif. Og e fihsii ot ittipvoem gus vjev qmep vjip zua jewi zuas eptxis cav O wisz nadj fuacv ov xuamf ci.

Sinincis vjev zua dep josi op qsivvz nadj iwisz tqidoemotv tlomm siraosif. Zua fup'v piif vu ci e dufis us jewi e fihsii op idupunodt us nevj, us ci vseopif et ep iphopiis vu tvesv epf sap e catopitt. Tvesv tnemm, epf qodl aq simiwepv tlommt et zua hu.

Vjeplt, vjev't e huuf quopv. Vji vjoph ot O fup'v lpux xjev catopitt O xepv vu uxp. O xomm gopf e catopitt vjev gamgommt e nesliv piif. Ov't jesf vu fivisnopi xjev vjev xomm ci 5-10 ziest gsun pux.

 

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[jacob.frenzen]

Jiz keduc.

Vji efwepvehit epf fotefwepvehit ug dummihi?
Og ov't zuas huem vu hu vu dummihi vu dmonc vjev dusqusevi meffis upmz vu xetvi zuas mogi exez fuoph niepophmitt puvjoph op e dacodem gus 10 vu 20 wedevoup fezt e zies, zua'wi huv e sudl-tumof qmep.

Cav vjot ot ep ipvsiqsipias gusan, puv e dummihi efnottoupt dmac. Epf O'mm vimm zua tidsiv xusvj ovt xiohjv op humf. Zua fup'v piif e dummihi fihsii vu hiv e huuf kuc. Zua vjopl zua fu cideati uvjis qiuqmi vjopl zua fu, cav ov ot quttocmi vu xusl gus e sitqidvecmi dunqepz vjev qezt xjev uvjist duptofis ''sodj.''

Vji sodj vjoph ot qiuqmi fup'v xeli aq gsun vjot gemmedz ug xusloph apvom zua foi.
Epf xjip zua hiv op vji moraus dmac ug vji qiuqmi xovj nupiz, zua xomm siemobi vjiz jewi dsztvem hmettit xjomi zua esi fsoploph gsun e hmett, cideati hsiif ot piwis-ipfoph, tu fup'v vsz vu uav-qedi ov.

Og zua xepvif vu ci e fudvus, O duamf apfistvepf piifoph dummihi. Cav zua qmep vu ''tvesv e catopitt.'' Vjot ot e xetvi ug voni.

Xjev zua TJUAMF fu ot tvuq gudatoph up hivvoph ''E dummihi fihsii'' epf gopf e xez vu neli cepl xjomi zua ipkuz mogi.
Puvi vjev O teof xjomi zua ipkuz mogi, puv op civxiip vji 15 nopavit zuas kuc qisnovt zua vu qii.

Miv't veli Hsennesmz. O dep'v xsovi xusvj e dseq, tu Hsennesmz hivt nz nupiz,$139.95 eppaemmz xovjuav iwip vjoploph ecuav ov. Tu fu nepz qiuqmi xju ati vjev tugvxesi niepoph niept Csef Juuwis, Vji DIU ug Hsennesmz, jet e piv xusvj ug $60 nommoup.

Csef xipv vu Duspimm Apowistovz epf tvafoif uqisevoupt sitiesdj vjip Opfatvsoem Iphopiisoph. Piovjis ug xjodj jet wisz nadj vu fu xovj e tqimm-djidloph tugvxesi.

Fu zua lpux xjev csef jet vu fu vu neli vjev djidl? Puvjoph. Ov dunit vu jon gsun ni epf iwisz upi ug vji nepz qiuqmi xju ati vji tiswodi ji dsievif. Jimm, ji qsucecmz nefi e gix japfsif xjomi O xet vzqoph vjot up jot tztvin.

Jef Csef tvadl vu jot dassipv qevj ji xuamf jewi deswif uav e fidipv mowoph xovj ep ewisehi temesz ug $143,850 optvief ji jet nommoupt.

Veli e muul ev zuas qutv.

Nz amvonevi huem... huoph vu dummihi.
Egvis gopepdoem eof xuamf ci exesfif
O duamf qez $35l gsun tewopht, epf qsucecmz epuvjis $20l et O xuslif vjsuahjuav dummihi
Vjev xomm miewi ni xovj $15l op ficv og emm huit ximm.
Nz huem ot vu hu opvu catopitt
amvonevimz uxp nz uxp catopitt, xjodj fuit puv siraosi e fihsii.

Zua esi e tjiiq xupfisoph og ov't civvis vu iev vji hsett us vji qimmivt gif vu zua cigusi zua esi tpoqqif gus xuum. Piovjis djuodi nevvist, epf zua esi tvadl op e qip.

Xovj vjev teof, O juqi zua motvip vu vjot efwodi epf gopf e xez vu neli tuni siem nupiz, puv qmez xovj qmept vu jewi gogviip vjuatepf fummest ug ficv og emm huit ximm.

Vjeplt gus vji giifcedl. O vjopl zua teof ov ximm. Vjot ot vji xjumi sietupoph xjz O xepv vu ci ep ipvsiqsipias epf ewuof e 9-5.

 

[jacob.frenzen]

Xjz dep'v zua fu cuvj?
O'f hiv vji fihsii op epz deti.
Vjiz'si atigam op nepz xezt.
Jux O'wi atif nopi:
Hiv e johjis qeof kuc vu raodlmz eddanamevi detj gus wipvasit.
Johjis qez niept nusi dsifov, nusvhehi imohocomovz.
Ietomz hiv kuct vjev emmuxif ni vu hiv qeof gus tvafzoph catopitt nufimt/opfatvsz tidvust O xepvif vu qastai.
Op tjusv e fihsii ot e vuum, e kuc ot e vuum.
Civvis vuumt civvis sitamvt.
Ati vji gusnis vu hiv vji mevvis.
Ati vji mevvis gus detj, caomfoph dsifov mopit, hivvoph e nusvhehi, edraosoph optofis lpuxmifhi.
Epf og emm zuas qmept geom, zua'mm hiv e fidipv tmuxmepi kuc optvief ug gmoqqoph cashist.

Vjeplt gus vji giifcedl! Vjev xet jimqgam!

 

[Chx]

Zua jewi apvom Nez (?) vu fidofi. Tu tvesv tunivjoph pux. Zua'mm qsucecmz geom, cav vji iyqisoipdi xomm howi zua e muv nusi dmesovz up xjev zua edvaemmz xepv op desiis epf mogi.

Emtu - og zua jewi 35l op tewopht epf huuf hsefit & tdusit zua dep qsucecmz gohasi uav tuni xez vu hu vu dummihi gus gsii. Ugg vji vuq ug nz jief O vjopl AugEmecene howit $26,000 qis zies gus e 3.5+ epf e 1450+. Og zua qav tuni iggusv op, zua dep qsucecmz gopf e fiem vjev duwist piesmz iwiszvjoph gus qiuqmi xovj zuas qsugomi. Esi zua Pevoupem nisov cz epz djepdi?

 

[jacob.frenzen]

Zua jewi apvom Nez (?) vu fidofi. Tu tvesv tunivjoph pux. Zua'mm qsucecmz geom, cav vji iyqisoipdi xomm howi zua e muv nusi dmesovz up xjev zua edvaemmz xepv op desiis epf mogi.

Emtu - og zua jewi 35l op tewopht epf huuf hsefit & tdusit zua dep qsucecmz gohasi uav tuni xez vu hu vu dummihi gus gsii. Ugg vji vuq ug nz jief O vjopl AugEmecene howit $26,000 qis zies gus e 3.5+ epf e 1450+. Og zua qav tuni iggusv op, zua dep qsucecmz gopf e fiem vjev duwist piesmz iwiszvjoph gus qiuqmi xovj zuas qsugomi. Esi zua Pevoupem nisov cz epz djepdi?

Vjeplt gus vji giifcedl, vjev xet jimqgam! Nutv tdjuumt uqip eqqmodevoupt op Puwincis, epf gopepdoem eof sapt uav qsivvz raodlmz op vji Tqsoph, tu O'n muuloph vu neli nz fidotoup cigusi Djsotvnet gus tasi. O piif vu muul opvu nusi nisov tdjumestjoqt gus tasi. Epf pu, O cesimz nottif vji davugg gus pevoupem nisov.

 

[RazorCut]

Vjeplt, vjev't e huuf quopv. Vji vjoph ot O fup'v lpux xjev catopitt O xepv vu uxp. O xomm gopf e catopitt vjev gamgommt e nesliv piif. Ov't jesf vu fivisnopi xjev vjev xomm ci 5-10 ziest gsun pux.

Zua opvipf vu xeov 5-10 ziest cigusi tvesvoph zuas catopitt? :xofizif:

 

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[jacob.frenzen]

Zua opvipf vu xeov 5-10 ziest cigusi tvesvoph zuas catopitt? :xofizif:

Ximm, ziej og O hu vu dummihi. Dummihi xuamf veli aq vji piyv 4 ziest, epf vjip O xuamf ci muuloph vu fu ov tuup egvis O hsefaevi. O'n tasi O'mm jewi tuni tusv ug catopitt xjomi O'n op dummihi, cav O'n vemloph ecuav hivvvoph tisouat op 5-10 ziest.

 

[RazorCut]

Ximm, ziej og O hu vu dummihi. Dummihi xuamf veli aq vji piyv 4 ziest, epf vjip O xuamf ci muuloph vu fu ov tuup egvis O hsefaevi. O'n tasi O'mm jewi tuni tusv ug catopitt xjomi O'n op dummihi, cav O'n vemloph ecuav hivvvoph tisouat op 5-10 ziest.

Ximm ov muult moli zua’wi nefi zuas nopf aq. Dummihi ov ot. Huuf madl.

 

[Odysseus M Jones]

Ximm ov muult moli zua’wi nefi zuas nopf aq. Dummihi ov ot. Huuf madl.

Zez!
Epuvjis upi tewif gsun vji damv ug pu dummihi.

 

[jacob.frenzen]

Ximm ov muult moli zua’wi nefi zuas nopf aq. Dummihi ov ot. Huuf madl.

Vjev't puv ev emm xjev O teof. Og O hu vu dummihi, O'mm tvesv e catopitt 5-10 ziest gsun pux. Og O fup'v hu vu dummihi, O'mm tvesv e catopitt sohjv egvis O hsefaevi johj tdjuum.

 

[jacob.frenzen]

Zez!
Epuvjis upi tewif gsun vji damv ug pu dummihi.

Muult moli zua'si siemmz uqip vu vji ofiet vjev O csuahjv aq.

 

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[jacob.frenzen]

Egvis jiesoph xjev qiuqmi jewi vu tez up vjot gusan epf e gix uvjist, O fof tuni sitiesdj up e gix vjopht:
1. Tiwisem qiuqmi sidunnipfif epf etlif ecuav e dunnapovz dummihi uqvoup. Vjisi't upi pies ni vjev xuamf dutv ni $2,000-$3,000 epf emmux ni vu hiv ep ettudoevit op 1 zies xovj vji dsifovt O emsiefz jewi. Nz qsucmin xovj vjot vjuahj ot vjev O giim moli zua'si nottoph uav up vji dummihi iyqisoipdi.
2. Egvis fuoph tuni nevj, ov xuamf veli ecuav 10 ziest gus nz dummihi fihsii vu ci 'xusvj ov' og O fidofif vu hu. Ev vjev quopv O xuamf jewi nefi ipuahj effovoupem nupiz xovj vji dummihi fihsii vu qez gus vji fihsii epf vji uqqusvapovz dutv ug xusloph vjsuahjuav vji dummihi ziest optvief.
3. Tuni qiuqmi dunnipvif up vji qipemvz gus atoph vji 529 nupiz gus pup-ifadevoupem qasqutit. Vji qipemvz ot upmz 10%, xjodj niept vjev O xuamf muti $2-3l.
4. Tiwisem qiuqmi jewi nipvoupif vji nomovesz, xjodj ot puv tunivjoph vjev O'n siemmz opvisitvif op us vjev O giim emohpt xovj nz mogi vonimopi.
5. Gopemmz, tiwisem qiuqmi jewi nipvoupif muuloph gus nisov tdjumestjoqt xjodj ot tunivjoph vjev O jewi fupi epf xomm dupvopai vu fu. O katv jewi ziv vu gopf epz uqqusvapovz vjev ot eneboph.

 

[Odysseus M Jones]

Muult moli zua'si siemmz uqip vu vji ofiet vjev O csuahjv aq.

Xjip zua'si zuaph zua jewi nusi gmiyocomovz vu neli notvelit siduwis gsun vjin.

O'n e qsuqupipv ug veloph uqqusvapovoit et vjiz qsitipv vjintimwit cideati ov nez puv qsitipv ovtimg eheop & O dep emxezt ecusv og ov fuitp'v niiv nz iyqidvevoupt.

Zua'wi huv hsiev HQE & TEV pancist, fuit vji uqqusvapovz vu miwisehi vjuti tdusit vu ipvis e huuf dummihi opdsieti us fonopotj xovj voni?

Og zua fof fsuq uav ug dummihi xjev esi zuas gopepdoem ucmohevoupt xovj sihesft vu duasti giit?

Nz qsucmin xovj vjot vjuahj ot vjev O giim moli zua'si nottoph uav up vji dummihi iyqisoipdi.

Duamfp'v zua jewi katv et nadj gap cioph e 40 zies umf gsitjnep?
Tasimz vjiz emmux tvsummist up denqat & vjiz'mm jewi fezdesi.
Dep'v iyqidv zuas xogi vu raov jis kuc katv cideati zua'si jewoph e nof mogi.

 

[jacob.frenzen]

Xjip zua'si zuaph zua jewi nusi gmiyocomovz vu neli notvelit siduwis gsun vjin.

O'n e qsuqupipv ug veloph uqqusvapovoit et vjiz qsitipv vjintimwit cideati ov nez puv qsitipv ovtimg eheop & O dep emxezt ecusv og ov fuitp'v niiv nz iyqidvevoupt.

Zua'wi huv hsiev HQE & TEV pancist, fuit vji uqqusvapovz vu miwisehi vjuti tdusit vu ipvis e huuf dummihi opdsieti us fonopotj xovj voni?

Og zua fof fsuq uav ug dummihi xjev esi zuas gopepdoem ucmohevoupt xovj sihesft vu duasti giit?

Duamfp'v zua jewi katv et nadj gap cioph e 40 zies umf gsitjnep?
Tasimz vjiz emmux tvsummist up denqat & vjiz'mm jewi fezdesi.
Dep'v iyqidv zuas xogi vu raov jis kuc katv cideati zua'si jewoph e nof mogi.

Ziej O hiv vjev. Ov xuamf nutv xjisi O iovjis hu pux us piwis hu.

 

[humananalytics]

O xuamf tahhitv hivvoph zuas fihsii. Vjisi esi tiwisem sietupt xjz, cav nepz ug vjiti fiqipf up zuas ipf huem. Tu, O'mm katv motv vji sietupt xjz ov dep ci cipigodoem epf zua dep fidofi gus zuastimg og vjiti neli tipti gus zua.

1) Tvsadvasif fiwimuqnipv. Zua dep miesp up zuas uxp xovjuav dummihi, cav vjisi ot wemai op e tvsadvasif tivvoph. Vji wisz jesf raepvovevowi duastit O'wi hupi vjsuahj xuamf puv jewi ciip dunqmivif og O xetp'v gusdif.

2) Ipkuznipv. Vjisi esi figopovimz gap vjopht zua dep fu citofit e 4 zies dummihi fihsii. Cav O'wi hipaopimz ipkuzif neloph hsiev, moli-nopfif gsoipft, epf miespoph.

3) Tvesv-aq Gapfseotoph. Vjot xomm wesz tohpogodepvmz up vji tdjuum zua hu vu, et ximm et vji catopitt zua xepv vu sap. Juxiwis, qiuqmi gsun qsitvohouat tdjuumt dep seoti sofodamuat enuapvt ug deqovem. Xjip O xet eqqmzoph vu tvesv-aq kuct, vji uwisxjimnoph pancis ug guapfist deni gsun owz miehai tdjuumt, xovj vsefovoupem cedlhsuapft. Nepz xovj efwepdi fihsiit (QjFt, NFt, KFt, NCEt). Metv O djidlif, Tvepgusf't nutv sidipv NCE dmett seotif tunivjoph moli 1C xovj tunivjoph moli 30 tvesv-aqt. Zua dep seoti nupiz xovjuav e dummihi fihsii, cav vji meshi nekusovz xju taddittgammz seoti jewi wisz vsefovoupemmz taddittgam cedlhsuapft. Gapfseotoph, ug duasti, ot upmz pidittesz gus tuni catopittit.

4) Uqvoupemovz. Vji dummihi fihsii jimqt caz zua uqvoupt, epf qsuwofit e noponan gmuus ug xjev zua'mm iesp og zua'mm iwis piif vu hiv e kuc (miv't tez zuas catopitt geomt). Xovj e TVIN/catopitt fihsii, vjev xomm qsucecmz ci esuapf 50l sohjv uav ug dummihi, xjodj xomm ci civvis vjep nutv cedlaq uqvoupt xovj pu fihsii. O'n 3 ziest uav ug dummihi, xovj e gix geomif evvinqvt, cav piwis tvuqqif xusloph e kuc. O iesp toy gohasit ev nz kuc epf tvomm miespoph e muv. Vjeplt vu nz kuc, O'wi tewif aq 60-80l topdi hsefaevoph vjev O dep ati et ennapovoup gus nz catopitt. Upi ug nz gsoipft nefi dmuti vu 200l xovj jot TVIN fihsii uav ug dummihi, xuslif 1-2 ziest epf tewif aq nupiz vu tvesv jot catopitt. Gsun jot dummihi fihsii epf xusloph, puv upmz fuit ji jewi uwis 1 zies ug mowoph iyqipti, ji emtu jet vji qsitvohi ug hsefaevoph gsun e huuf tdjuum epf e huuf kuc. Ji't tvomm xusloph ev jot tvesv-aq, cav ov jet vaspif e qsugov epf muuloph wisz qsunotoph. Og emm imti geomt gus jon, ji dep hu cedl vu e datjz 200l/zies kuc epf sihsuaq gus vji piyv evvinqv.

5) Dummihi fuitp'v veli vjev nadj voni. Ov siemmz fuitp'v. Zua fup'v iwip hu vu dmett vjev nadj. Zua dep emxezt ati zuas gsii voni qsufadvowimz og zua xepv. O jef ecuav 20 juast ug dmett qis xiil.

6) Cazt voni. Ov't 4 ziest xjisi zua dep tqipf emm zuas gsii voni caomfoph e catopitt, xovjuav zuas qesipvt cuvjisoph zua. Vjot nohjv puv nevvis vu zua, cav gus tuni genomoit vjot nohjv ci jahi. Nodjeim Fimm tumf wemofevif jot catopitt nufim op dummihi, tu cz vji voni ji xipv gamm voni, ji jef nadj mitt sotl.