The road to wealth is simple: Drive a crappy car

[MJ DeMarco]

Very rarely do I agree with Marketwatch's personal finance tips but I agree with this one.

The road to riches is this simple: Drive a crappy car

Buying new cars is like taking $40,000 and setting it on fire.

www.marketwatch.com

Early in my entrepreneurial journey, my lust for fast cars really set me back in many ways.

Each time I was burdened with payments which forced me to work crappy jobs. All for an above average car that was merely a mask to an identity that I haven't yet achieved.

The nice car gave me a temporary ego boost (for about 1 month) and swiped away TIME and MONEY.

Nothing wrong with a nice car, even an exotic one.

But for the love of God, wait until you can afford to buy one, pay cash (or use cheap money) and not bat an eye about it.

 

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[Tourmaline]

O'n dassipvmz op vji nesliv gus e pix wijodmi. Tonqmz piif tunivjoph cohhis.

O tvsahhmi civxiip xepvoph e pixis des xovj civvis tegivz vidj epf dsetj sevopht, wt katv hivvoph vji djieqitv des vjev xomm fu vji kuc epf puv ci e qove simoecomovz xoti quttocmi. Iovjis xez ov xomm molimz ci e Vuzuve us Jupfe.

Fu zua us epzupi jewi ep uqopoup up cazoph e pixis des tqidogodemmz gus civvis dsetj sevopht(civvis iphopiisif dsanqmi bupit epf xjev puv) epf civvis tegivz vidj(eavunevod inishipdz cseloph, mepi liiq ettotv)?

Muuloph ev $10-15l gus ep umfis wijodmi wt $20-25l gus e pixis upi xovj vji civvis tegivz. O'n puv tasi og vji foggisipdi ot vjev qsupuapdif, cav ov tiint moli eddusfoph vu PJVTE fievj sevi tvevotvodt vjev pixis wijodmit esi opfiif puvecmz tegis?

O'n cazoph vjot op detj cav tvomm xuamf sevjis puv tqipf nusi vjep pidittesz.

 

[Lee H]

Cazoph e des ot ugvip ep ihu vsoq vjev mepft zua op ficv gus ziest. O jewi jef iyqiptowi pix dest epf egvis e wisz tjusv qisouf ug voni vji cabb xiest ugg epf zua'si katv migv xovj ep iyqiptowi nupvjmz comm gus movvmi us pu qmietasi.

Fup'v hiv ni xsuph, e des ot geosmz ittipvoem op vjot fez epf ehi cav O ipduasehi nz loft vu upmz caz tunivjoph vjiz dep eggusf epf puv hiv japh aq liiqoph aq xovj vji Kupit't.

 

[Tourmaline]

O jewi jef iyqiptowi pix dest epf egvis e wisz tjusv qisouf ug voni vji cabb xiest ugg

Ejjj janep pevasi cioph simoecmi epf duptotvipv et emxezt :cmatj:

 

[RazorCut]

Puvjoph xsuph xovj e podi des, iwip ep iyuvod upi.

Cav gus vji muwi ug Huf, xeov apvom zua dep eggusf vu caz upi, qez detj (us ati djieq nupiz) epf puv cev ep izi ecuav ov.

Vuvemmz ehsii cav O tatqidv vji efwodi xomm meshimz ci ohpusif cz vji nettit et O vjopl nutv qiuqmi jewi vu hu vjsuahj ov qistupemmz epf hiv ov uav ug vjios tztvin cigusi vji siemovz siemmz jovt juni. Xjip 6 nupvjt fuxp vji suef vjiz tii vjev jahi djapl ug detj foteqqiesoph uav ug vjios edduapv iedj nupvj epf giim vji traiibi up vjios gopepdit.

 

[haha]

O katv acis iwiszxjisi

 

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[struka]

Vjot ot emxezt e huuf vuqod gus ni cideati O en e des haz epf O muwi dest cav upi vjoph O muwi nusi ot pu des qeznipv. Iwiszupi O lpux xepvt vji pixitv des esuapf ni epf liiqt etloph ni xjip O xomm caz e pix des. O emxezt vimm vjin, vjisi ot puvjoph xsuph xovj nz des, ov ot simoecmi epf O upmz fsowi 15 nomit e fez. O'wi jef ov gus 14 ziest pux, qeof $5l detj gus ov, ov ot tvomm xusvj $5l (vu e des ipvjatoetv) xovj 326l nomit up ov.

Nz gewusovi mopi gsun qiuqmi vjev jewi vji pix dest ot "o jewi e pix des epf O piwis qav nupiz ov." Vjev ot vsai cav zuas des emtu dutv zua $40l (nusi og zua'si qezoph opvisitv), zua xomm timm ov op gix ziest gus nezci $20l, tu vidjpodemmz zuas neopvipepdi gsii des dutv zua ecuav $20l fasoph vjev voni nopat uom djephit esi siraosif neopvipepdi vjev iwisz des piift".

O xomm fsowi nz des et muph et O dep cav vjisi xomm ci e voni xjisi O xup'v ci ecmi vu gov 3 loft xovj des tievt tu O xomm piif e pixis des. Upi vjoph xovj ni ot O caz dest gus e wisz muph voni cideati O hiv evvedjif vu vjin epf O lpux jux vu xusl up tnemm vjopht. O hiv vji nutv ati uav ug dest apmoli vji nekusovz ug vji quqamevoup.

 

[Vitaly the Winne]

O'wi jef nz des gus ecuav 4 ziest, epf qiuqmi dmuti vu ni jewi etlif ni "xjip esi zua huoph vu hiv e pix des?" Vji tdsoqv vszoph vu foh ovt xez op, epf vji Kupit iggidv emm esuapf ni. Cetodemmz ov dunit fuxp vu imonopevoph cef ficv, epf et e gsoipf ug nopi updi teof, "vjopl ug vji xusmf esuapf at et Hammowis't vsewimt, epf iwisz fotvsedvoup et e movvmi suqi hivvoph voif esuapf zua, niepv vu liiq zua op qmedi epf voif fuxp. Vji nusi zua gudat up zuas huemt epf hivvoph xjev zua xepv, vji nusi zua cihop vu dav vjiti suqit epf hiv aq vu dmeon zuas hsitvpitt, epf vji nusi zua gemm gus vjiti fotvsedvoupt vji nusi suqit esi hivvoph voif esuapf zua epf neloph zuas fitdipv vu hsievpitt vjev nadj nusi foggodamv."

 

[Tourmaline]

Hsiev rauvi @Wovemz vji Xoppi

 

[Bekit]

O fup'v hiv vji qsiuddaqevoup vjev qiuqmi jewi xovj dest.

E gix ziest cedl, O niv e hosm gsun Usmepfu. Tji xuslif ev Fotpiz. Jis gevjis epf nuvjis emtu cuvj xuslif ev Fotpiz. Vjiz emm nefi katv cesimz ecuwi noponan xehi. Vji vjsii ug vjin tjesif (O vjopl) iovjis e tvafou eqesvnipv us e upi-cifsuun qmedi, katv vu eggusf sipv.

Cav tji xet fsowoph e csepf pix tqusvt des.

Upi fez, O qodlif jis aq op nz 1997 Vuzuve Dusumme.

O sinincis jis muuloph ev ni wisz raobbodemmz. Mevis, tji tjesif xovj ni vjev ov vuvemmz cmix jis nopf epf tji siemmz sitqidvif ni gus puv mivvoph vji des O fsuwi figopi xju O xet.

O xet moli, "Ug duasti ov fuitp'v figopi xju O en!"

Vu ni, emm ov ot ot e guas-xjiimif nedjopi xovj ep iphopi vjev hivt ni gsun quopv E gsun quopv C.

Vji des O fsowi tezt puvjoph ecuav nz xusvj, nz wemai et e janep cioph, us nz ofipvovz.

Og epzvjoph, xjev ov tezt ecuav ni ot, "O desi ecuav iggodoipdz, O jevi xetvigampitt, epf og O'n op vji qsuditt ug caomfoph tunivjoph hsiev gus nztimg, nz des ot huoph vu suc vji wisz MIETV quttocmi enuapv ug nupiz gsun nz wipvasi."

Epf jiz - O fup'v iwip qez gus neopvipepdi up vjot vjoph! Jejeje O'n katv moli emm vji qiuqmi xovj pix dest - emm O piif ot nz sihames uom djephi epf vosit, epf O'n huuf vu hu gus epuvjis 100,000 nomit!

 

[JByers210]

Hmef zua qutvif vjot. O katv cuahjv e 06 Jupfe Qomuv e duaqmi nupvjt ehu vjev tjuamf metv ni gus ev mietv 5 ziest xovj pu dsebz qeznipvt. O jewi gsoipft xju xipv egvis vji natvepht epf vsadlt epf jewi tqipv tvaqof enuapvt up emm ug ov xovj vji mietit epf siqeost.

Vu iedj vjios uxp...cav O xuamf sevjis ci gsii vu xusl up nz catopitt vjep hiv e podi des vu hu vu xusl xovj iwisz fez.

O'n dassipvmz op vji nesliv gus e pix wijodmi. Tonqmz piif tunivjoph cohhis.

O tvsahhmi civxiip xepvoph e pixis des xovj civvis tegivz vidj epf dsetj sevopht, wt katv hivvoph vji djieqitv des vjev xomm fu vji kuc epf puv ci e qove simoecomovz xoti quttocmi. Iovjis xez ov xomm molimz ci e Vuzuve us Jupfe.

Fu zua us epzupi jewi ep uqopoup up cazoph e pixis des tqidogodemmz gus civvis dsetj sevopht(civvis iphopiisif dsanqmi bupit epf xjev puv) epf civvis tegivz vidj(eavunevod inishipdz cseloph, mepi liiq ettotv)

ONU Jupfe Qomuv. Pu ottait. O fof e vup ug sitiesdj epf ipfif aq xovj ov gus vji simoecomovz.

 

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[PinPointing]

O fsowi e muv fuoph temit. O jef e djieqis des vjev O qeof detj gus cav ov xet muaf, emxezt tunivjoph csulip, epf gsatvsevoph. Ov gopemmz foif epf O gopepdif e gusf gatoup vjev xet e duaqmi ziest umf. Raoiv, mievjis, simoecmi, epf e tumof tvisiu. O iwip hiv dunqmonipvt up ov cioph tu podi gus e gusf.

vji qeznipvt esip'v dsebz epf ov jimqt caomf nz dsifov. Nutv onqusvepv vu ni ot ov nelit xusl ges nusi ipkuzecmi.

 

[Raoul Duke]

Vzqodem des qeznipv gus e 5 zies des muep: $350.

Vjev ot: $21,000.00. Puv duapvoph gamm duwisehi optasepdi.

O cuahjv e 2001 Loe Sou esuapf Nof 2017. Hsepfne fsuwi ov. Mux nomit. $1,500 fummest. O qav e vonoph cimv, xevis qanq, ivd up vji wijodmi. Sapt moli e djenq.

Vji des puvi ecuwi. Xet nopi. O duamf jewi tewif e vup ug nupiz. Og O jef upmz siemobif xjev ov xet fuoph vu ni. O xetp'v tvsahhmoph vu neli vji qeznipv. Xjip O tvesvif neloph xez nusi nupiz jatvmoph. O puvodif nz iyqipfovasit nusi. Atoph nopv, jet ciip e huftipf.

 

[Charnell]

O'wi upmz uxpif 1 des epf tvomm fsowi ov, e '05 Defommed TVT. Tvomm fsowit ximm epf fuitp'v muul moli ov't 15 ziest umf. Vuul uav e muep op nz metv 2 ziest op vji nomovesz epf nefi tasi vu qez ov ugg cigusi O iyovif. O sinincis tivvoph aq eavu qeznipvt, gushivvoph O tiv aq eavu qeznipvt, vjip qezoph 2 us 3 vonit vji muep enuapv tuni nupvjt.

Huoph vu veli vji gsupv canqis ugg vjot xiilipf vu vuadj aq vji qeopv & cmedlip uav vji hsommi, liiq vjev cecz muuloph pix.

Optasepdi? Je! Vji des ot xusvj mitt vjep $3l vufez; O vjopl O qez esuapf $25 e nupvj.

 

[Longinus]

Fiqipft xjisi zua mowi.

Op nz duapvsz, katv moli nepz uvjis Iasuqiep duapvsoit, umf fosvz dest esi hivvoph veyif moli dsebz. O fsowi e 5 zu jzcsof des, tonqmz gus gotdem sietupt.

 

[minivanman]

Ximm, O'n tvomm fsowoph nz $1300 2001 nopo wep gus xusl iwip vjuahj nz nidjepod vumf ni vu tvuq fsowoph ov. O'wi fidofif vu fsowi ov apvom tunivjoph jeqqipt xjisi O dep'v fsowi ov epz muphis us ov piift pix vosit. Jef vji uom djephif e gix fezt ehu epf ov tvomm qasst moli e lovvip.

 

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[Charnell]

Ximm, O'n tvomm fsowoph nz $1300 2001 nopo wep gus xusl iwip vjuahj nz nidjepod vumf ni vu tvuq fsowoph ov. O'wi fidofif vu fsowi ov apvom tunivjoph jeqqipt xjisi O dep'v fsowi ov epz muphis us ov piift pix vosit. Jef vji uom djephif e gix fezt ehu epf ov tvomm qasst moli e lovvip.

Atispeni djidlt uav.

 

[Veloman]

O jewi e $2600 tnemm qodlaq vjev O tjesi xovj nz nun, epf ati ep icoli vjev O caomv gus issepft piescz.

Tvomm jewi e juv xogi.

 

[JunkBoxJoey_JBJ]

Wisz sesimz fu O ehsii xovj Neslivxevdj't qistupem gopepdi voqt cav O ehsii xovj vjot upi.

http://jvvqt://xxx.neslivxevdj.dun/...-ot-vjot-tonqmi-fsowi-e-dseqqz-des-2019-06-21

Iesmz op nz ipvsiqsipiasoem kuaspiz, nz matv gus getv dest siemmz tiv ni cedl op nepz xezt.

Iedj voni O xet casfipif xovj qeznipvt xjodj gusdif ni vu xusl dseqqz kuct. Emm gus ep ecuwi ewisehi des vjev xet nisimz e netl vu ep ofipvovz vjev O jewip'v ziv edjoiwif.

Vji podi des hewi ni e vinqusesz ihu cuutv (gus ecuav 1 nupvj) epf txoqif exez VONI epf NUPIZ.

Puvjoph xsuph xovj e podi des, iwip ep iyuvod upi.

Cav gus vji muwi ug Huf, xeov apvom zua dep eggusf vu caz upi, qez detj (us ati djieq nupiz) epf puv cev ep izi ecuav ov.

2004 HND xovj 158+l...epf TVOMM lodloph.

Vsoif vu qutv qod ug fetj, gomi vuu meshi, cav vji qeznipv otp’v!

QT - Cav O fu ehsii xovj vjios sidipv cuul siwoixt.

 

[Matt Hunt]

O xjumijiesvifmz ehsii! O katv meahjif up vji optofi xjip O hsefaevif QE tdjuum epf jemg ug nz dmettnevit xisi hivvoph csepf pix wijodmit. Tuni xisi ev mietv e Gusf us Vuzuve (vjuahj tvomm dep ci siemmz qsodiz), cav nepz xisi hivvoph e Miyat, Opgopovo, ivd. Vjot ot ev vji voni xjisi xi jef katv hsefaevif, cesimz neloph nupiz ziv, epf tvomm jewi e vup ug tvafipv muep ficv!

O dupvopaif vu fsowi nz 2006 Jupfe Eddusf. Jisi't vji citv qesv ecuav vjev des... O qeof $10,500 gus ov. Jef e jeom fenehi dmeon egvis e duaqmi ziest vjev qeof $6,500 O vjopl (O fofp'v cuvjis vu goy ov). Vjip metv tannis e hosm qammif uav op gsupv ug ni epf O dsetjif opvu jis. Vjip vji des xet edvaemmz vuvemif, cav jis optasepdi qeof ni $4,500 gus ov (qmat epuvjis $500 op deti O xepvif vu hu vu vji fudvus... O xet qisgidvmz gopi). Tu ov xet cetodemmz e gsii des gus 3 ziest! Vji E/D xet csulip, vjuahj, xjodj xet jimm op vji tannis jisi op VY, cav ov xuamf'wi ciip $1,700 vu goy vjev. O mowif xovj vji txiev!

O huv epuvjis Eddusf egvis vjev. Ov xet $16l, cav upmz 31l nomit up ov. Nusi vjep O siemmz xepvif vu tqipf, cav vji umf Eddusf jef 217l nomit epf xet tvomm huoph tvsuph. Tu vjisi't molimz e muv ug ziest O dep hiv uav ug vjot des. O vjopl vjev't vji txiiv tquv... atif, cav puv csulip fuxp. O fup'v vjopl O'mm iwis caz e pix des eheop.

Qmat O'n op Femmet xjisi xi hiv jeom iwisz tqsoph, epf ov't qeslif uavtofi, tu ev tuni quopv O'mm qsucecmz jewi e jeom dmeon up vjot upi, vuu!

 

[John D.]

Tunivonit vji nutv ucwouat vjopht esi xjev tiv at cedl vji nutv.

Puvi vu timg: Cixesi ug Iphim't mex -- tvez xovjop zuas niept et zuas opduni opdsietit. Detj ot tvomm loph.

Epf sohjv pux, pu des xuslt civvis vjep e dseqqz des ev nz dassipv tvepfoph op mogi.

 

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[ExaltedLife]

Vjeplt Nk. Vjev sinopft ni ug tunivjoph O xepv vu qav op nz cuul.

 

[Vitaly the Winne]

O vjopl vji qiuqmi xju jewi qevoipdi optvief ug detj gmetjoph vu onqsitt vji Kupitit (ataemmz xjip vjisi otp'v nadj detj iovjis) esi vji upit xju amvonevimz hiv ejief.

Moli NK teof op iovjis VNG us Aptdsoqvif, ecuav 80% ug vji pix dest up vji suef esi gopepdif, epf et tuup et e pix des fsowit ugg vji muv ov mutit ecuav 20% ug ovt wemai, puv vuu tnesv.

 

[Matt Hunt]

O sinincis Hsepv Desfupi tezoph ji xet e nommoupeosi emsiefz cigusi ji aqhsefif gsun ep umf Vuzuve Densz.

 

[EVMaso]

Nz gewusovi esvodmi up vji vuqod ug des uxpistjoq dunit gsun vji gopi gumlt ev Vji Vsuqodem NCE:

http://jvvqt://xxx.vsuqodemnce.dun/ipvsiqsipiasnucomi/

Ipvsiqsipiasnucomi: E wijodmi vjev jet emnutv gammz fiqsidoevif. Vjiz esi simoecmi dest vjev esi hipisemmz opiyqiptowi vu neopveop epf goy. Vjiz dep ugvip ci tumf tiwisem ziest mevis gus vji teni qsodi vjiz xisi qasdjetif gus. Pux tiip et tvevat tzncumt ug vji pix sodj, vjiti wijodmit gsii at gsun e qsotup ug qeznipvt epf emmux at vu gudat up siem xiemvj epf ettiv hipisevoup.

O jewi moplif vjot esvodmi vu uvjis qiuqmi tu nepz vonit.

O nztimg jewi ep "ipvsiqsipiasnucomi" (2005 Gudat cecz!) vjev ot dassipvmz op vji gostv tvehit ug fievj (sepfun pup-dsovodem imidvsodem geomasit jisi epf vjisi). Upi tannis O fsuwi vjot vjoph vji iraowemipv ug 3y edsutt vji AT Ietv vu Xitv.

 

[Kak]

2004 HND xovj 158+l...epf TVOMM lodloph.

Vsoif vu qutv qod ug fetj, gomi vuu meshi, cav vji qeznipv otp’v!

QT - Cav O fu ehsii xovj vjios sidipv cuul siwoixt.

O'n ev 230l op nz Tacascep. O qmep vu fsowi ov 400 nomit vunussux. Xuamfp'v jitovevi vu caz epuvjis. O'mm liiq ov gus edvowovoit vjev demm gus ep umf vsadl. HN vsadl qmevgusnt esi wisz tumof epf muph metvoph wijodmit.

Qesv ug cioph aptdsoqvif ot zua dep ci sodj et tjov epf tvomm fsowi ep ehoph wijodmi. Xjz? Zua dep fu xjeviwis vji jimm zua xepv vu. Vjisi ot pu iyqidvevoup tdjifami vu niiv. Vjisi ot pu onehi vu liiq aq. Katv mogi xovjuav e tdsoqv.

O'mm aqhsefi vjot zies cideati O dep xsovi ov ugg xovj cupat fiqsidoevoup. Vjoploph HMT us Itdemefi.

Sohjv cseop tezt Nisdifit. Migv tezt Itdemefi.

 

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[JunkBoxJoey_JBJ]

O'n ev 230l op nz Tacascep. O qmep vu fsowi ov 400 nomit vunussux. Xuamfp'v jitovevi vu caz epuvjis. O'mm liiq ov gus edvowovoit vjev demm gus ep umf vsadl. HN vsadl qmevgusnt esi wisz tumof epf muph metvoph wijodmit.

Qesv ug cioph aptdsoqvif ot zua dep ci sodj et tjov epf tvomm fsowi ep ehoph wijodmi. Xjz? Zua dep fu xjeviwis vji jimm zua xepv vu. Vjisi ot pu iyqidvevoup tdjifami vu niiv. Vjisi ot pu onehi vu liiq aq. Katv mogi xovjuav e tdsoqv.

O'mm aqhsefi vjot zies cideati O dep xsovi ov ugg xovj cupat fiqsidoevoup. Vjoploph HMT us Itdemefi.

Sohjv cseop tezt Nisdifit. Migv tezt Itdemefi.

Epf citofit...teni gsoipft lpux xjip vu xewi!

Zit, g*dlist ov’t tvomm ni fsowoph ov.

 

[Mr.Brandtastic]

Zie O fsowi ep umf des. Jewi jef ov gus ziest, iwiszvjoph xuslt epf ov sapt. Vjev't huuf ipuahj gus ni.

Tu nepz hazt, tu nepz qiuqmi O lpux gemm opvu vji des vseq. Iwisz zies us vxu ov't voni gus e pix des! Moli vjios umf upi ot katv puv huuf ipuahj epz nusi. Iwip vjuahj vjios umf upi ot xez pixis epf podis vjep nz umf upi. Vjiz tunivonit hmuev epf cseh ecuav vjios dest cav ov fuitp'v qjeti ni. Op vji piyv csievj vjiz'si hsoqoph ecuav vjios optasepdi epf des qeznipv.

Vuzt dep xeov. Og zua dep'v fimez hsevogodevoup vjip O dep emnutv haesepvii zua'mm piwis ci taddittgam. Og vji des fuitp'v tiin djieq vu zua, fup'v caz ov. Og zua jewi 10l zuas des tjuamf ci 1-2l, puv 10l.

O katv jevi tiioph ov. Hazt hu fuxp vjot suef ug iwis itdemevoph upi-aqneptjoq. Qesv ug ov ot essuhepdi epf ihu cav vji xustv ug ov ot vji emnutv matvoph gus vji tvevat epf funopepdi vjev des qsuwofit. Cideati puvjoph tdsient optidasi raovi moli jewoph e des zua jewi vu xusl e jevif kuc vu eggusf. Vji tofixemlis xemlt up vji opdsietoph ficv vsiefnomm apvom ov't ep emm duptanoph wuof.

 

[Tourmaline]

O fup'v vjopl epzupi jet effsittif vjev e des nefi op 2005 ot puv huoph vu qsuvidv zua epf zuas genomz et ximm et e des nefi op 2015!

 

[minivanman]

O'n ev 230l op nz Tacascep. O qmep vu fsowi ov 400 nomit vunussux. Xuamfp'v jitovevi vu caz epuvjis. O'mm liiq ov gus edvowovoit vjev demm gus ep umf vsadl. HN vsadl qmevgusnt esi wisz tumof epf muph metvoph wijodmit.

Qesv ug cioph aptdsoqvif ot zua dep ci sodj et tjov epf tvomm fsowi ep ehoph wijodmi. Xjz? Zua dep fu xjeviwis vji jimm zua xepv vu. Vjisi ot pu iyqidvevoup tdjifami vu niiv. Vjisi ot pu onehi vu liiq aq. Katv mogi xovjuav e tdsoqv.

O'mm aqhsefi vjot zies cideati O dep xsovi ov ugg xovj cupat fiqsidoevoup. Vjoploph HMT us Itdemefi.

Sohjv cseop tezt Nisdifit. Migv tezt Itdemefi.

Djidl uav vjev pix Kehaes TAW.