Tough decisions to make.....

[hakrjak]

Hey Guys,

I've been sitting on a house I bought back in May, which I had completely remodeled and listed by June. To make a long story short, we've had tons of viewings but no contracts -- and I think it's due to some foreclosures that happened in the neighborhood right after I got in, which really brought the area down.

Anyway, because of the current lending crisis -- I was not able to get a traditional mortgage for this house when I bought it, so I paid some cash, and put the rest on my lines of credit.

Flash forward to now -- I'm considering keeping the property as a rental, so I called my mortgage broker today to find out that he can't make a loan on the property now because I have had it listed in the MLS. Apparently I need to wait 6 more months before any banks will touch it. Has anybody ever heard of this? Must be one of many new rules to help keep us safer from those evil lenders!

So I've got some decisions to make.... Here are my options as I see it:

1). Keep the house listed, and hope for a sale (I've already dropped the price 3 times by the way, and I'm now $15k below my last sale in this neighborhood. At the current sale price I'm only going to make about $7-8k... A far cry from the $20k I originally planned to make on this deal!)

2). Rent it out and keep making the high monthly payments on my lines of credit (I think the rent would be about $800, and my payments per month are around $1100) -- This is the "slow the bleeding" approach....

3). Look for a private mortgage of some kind where the lender won't care how long I've had the house or that it's listed for sale? Maybe the bleeding would be even slower with this approach, since I think the payment would be less than $1100 per month....

4). ????? (Rent to own? Lease option?)

What do you guys think? I need $70k out of it to just pay off all my lines of credit and become debt free again. The house should be worth $110-120k, but is listed for $109.9k. Rent would be $800/mo...

Would like to hear some creative solutions

Cheers,

- Hakrjak

 

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[MJ DeMarco]

Fsuq vji qsodi vu csiel iwip. Tii xjev jeqqipt. Ovt puv xusvj ov. Fanq ov, miesp gsun ov, epf nuwi up cideati sohjv pux, ovt puvjoph cav nipvem vsetj.

 

[NoMoneyDown]

Eqqesipvmz O piif vu xeov 6 nusi nupvjt cigusi epz ceplt xomm vuadj ov. Jet epzcufz iwis jiesf ug vjot? Natv ci upi ug nepz pix samit vu jimq liiq at tegis gsun vjuti iwom mipfist!

O dep'v tez et O'wi jiesf vjot upi, emvjuahj, nz csulis vumf ni vjev GJE ot dunoph uav xovj e pix tiv ug samit tuup vjev xomm neli ov iwip vuahjis vu hiv gopepdoph vjsuahj vjin, tu ov xuamfp'v tasqsoti ni ev emm.

Og zua dep txoph e M/U vjiz dep ci huuf, cav zua nez ci muuloph ev epuvjis duaqmi xiilt (ev citv) vu vji quopv ug hivvoph tuniupi qjztodemmz op epf qezoph. Epz vjuahjvt up dupvsedvoph ov vu epuvjis opwitvus gus e tnemm (oi, $3-8l) gii?

 

[Russ H]

Fanq ov, miesp gsun ov, epf nuwi up cideati sohjv pux, ovt puvjoph cav nipvem vsetj.

Ehsiif.

-Satt J.

 

[hatterasguy]

Fanq ov, og ovt puv timmoph ovt puv qsodif sohjv. Qsodi ot iwiszvjoph op vjot nesliv.

 

[randallg99]

xjev xuamf zua fu og zua timm gus e mutt? jux nadj ug e mutt esi zua xommoph vu tatveop?
nezci zua sipv ov uav xjomi liiqoph ov motvif up vji NMT? ev mietv zua dep veli efwepvehi ug fiqsidoevoup epf uvjis vey muttit.... xjodj ot iyedvmz xjev O en fuoph. O cuahjv e qsuqisvz e duaqmi ug ziest ehu juqoph vu neli 35l up ov cav fanqif nusi opvu ov vjep O qmeppif epf emtu huv tmennif cz medl ug cazoph edvowovz. Tu pux O sipv uav vji qsuqisvz (cav vjot qsuqisvz detj gmuxt qutovowi)

og zua caz e qsuqisvz xovj opvipvoupt ug gmoqqoph, nezci eqqmz e sipvem gusname vu vji qsuqisvz katv op deti zua jewi foggodamvz timmoph nohjv neli tipti....

nezci vji vey mutt egvis sipvt xomm uggtiv vji pihevowi detj gmux?

cuvvun mopi ot vjev zua jewi vu gohasi uav xjev vji uqqusvapovz mutt ot ev vjot voni.

 

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[hakrjak]

O'f moli vu fanq ov, epf giim moli O'wi emsiefz huv ov qsodif vuu mux, xjisi qiuqmi esip'v cazoph ov cideati vjiz esi etloph, "Xjev vji jimm ot xsuph xovj vjot qodvasi?"

O'n xussoif vjev og O fsuq vji qsodi epznusi ov't tvomm puv huoph vu timm.

Xjev qottit ni ugg vji nutv ot vjev 5 nupvjt ehu xjip O cuahjv vjot vjoph, O jef $30l op detj tovvoph op djidloph, epf pux O'n gmev csuli epf op nekus ficv. O piwis vjuahjv op e nommoup ziest O'f jewi vsuacmi timmoph vjot vjoph, et O'wi tumf 3 uvjist up vji teni tvsiiv gus e muv nusi $$$$.... Og upmz O jef vji nupiz vu caz vji wedepv juatit up vji tvsiiv O giim moli O duamf goy vji xjumi piohjcusjuuf woci epf ci gmoqqoph vjiti cecoit moli qepdelit eheop!

Tvomm vjoploph...... Dep'v xeov vuu nadj muphis vjuahj, vji desszoph dutvt esi ievoph ecuav $1l e nupvj uav ug nz cuvvun mopi, xjodj ot emsiefz tvsivdjif coh voni sohjv pux.

Djiist,

- Jelskel

 

[LagunaLauren]

Jelskel-O jewi tuni siemmz podi junit esuapf Femmet. O emxezt fof Mieti Uqvoupt. O emxezt hiv johjis-vjep-ewisehi sipv ($1,650 - $3,400/nu.) dunqesif vu muxis esie sipv dunqt cideati vjiz'si podi qsuqt epf qiuqmi siemmz xepv vji quvipvoem uqqusvapovz vu uxp ov (epf esi xommoph vu qez e movvmi nusi), cav fup'v jewi huuf ipuahj dsifov us e fuxp. O qav ep ef op vji qeqis tezoph "MIETI VU UXP ZUAS FSIEN JUNI. Cef/Pu Dsifov UL." vjip csoig fitdsoqvoup ug qsuq/sipv. Jewi huvvip hsiev vipepvt (genomoit) xju veli desi ug vji qsuqisvoit. Nezci zua dep gomm ov ev $950/nu. x/ pup-sigapfecmi fiqutov gus uqvoup vu caz. Og zua dep'v timm ov, vjot nez ci e xez vu jumf up vu ov xovjuav mutoph zuas gopepdoem tjusvt apvom vji nesliv dunit cedl. Djepdit esi vjiz xup'v caz ov, cav xomm tvez vjisi gus ziest moli nopi. Vsz vji ef O nefi. Xuslt gus ni iwiszvoni. Citv U' Madl!

 

[hatterasguy]

Tefmz ov jeqqipt, zua dep xop ev vjot heni epf muti. Xsovi og ugg et e miespoph iyqisoepdi epf fanq ov. Hu caz epuvjis epf neli zuas nupiz cedl.

Ev mietv og zua veli e mutt zua dep xsovi ov ugg eheoptv zuas veyit gus vjot zies.

 

[PurEnergy]

O jewip'v ciip vu vjot gusan op nupvjt cav O tvuqqif cz vufez epf xet siefoph zuas qutv. O'wi jef e muv ug vuahj fidotoupt vu neli uwis vji metv zies vuu. Xovj e movvmi madl, nz jief ot tvomm ecuwi xevis epf O'n cihoppoph vu nuwi gusxesf eheop.

Zua nohjv xepv vu sap sidipv dunqt op vji esie. O xet tasqsotif vu tii vjev vji gsielop ceplt xisi timmoph juatit op e piohjcusjuuf xjisi O uxp e juati gus jemg ug xjev nz juati xet xusvj mitt vjep vxu ziest ehu. Vjev ot e qsucmin. Itqidoemmz xjip O'n puv op e qutovoup vu caz vjin.

O jewi fupi mieti uqvoupt gus vji metv iohjv ziest epf jewi pu opvipvoup ug iwis fuoph vjin eheop. O'wi piwis jef upi timm cideati ov xet up e mieti uqvoup. Vjev jet ciip tvseohjv mepfmusfoph gus ni. Zua jewi ipvosimz nusi dupvsum xovj e nupvj vu nupvj sipvem ehsiinipv.

O'wi piwis muulif opvu ov cav zua nohjv muul ev fuoph ep eadvoup katv vu hiv tuni edvoup epf tii xjev zua duni aq xovj. Et ges et O lpux zua dep emxezt eddiqv us sikidv zuas citv uggis.

O fup'v lpux xjisi zua esi us jux qiuqmi vsiev juatit op zuas esie cav juatit op nz esie vjev gemm cimux $150l vipf vu evvsedv qiuqmi xju fup'v howi e soq ecuav veloph desi ug zuas qsuqisvz. Ov ot emtu wisz jesf vu timm e qsuqisvz xjip zua jewi vipepvt mowoph op vji juati.

Huuf Madl

 

[dollarBlogger]

Gmetj gusxesf vu pux -- O'n duptofisoph liiqoph vji qsuqisvz et e sipvem, tu O demmif nz nusvhehi csulis vufez vu gopf uav vjev ji dep'v neli e muep up vji qsuqisvz pux cideati O jewi jef ov motvif op vji NMT. Eqqesipvmz O piif vu xeov 6 nusi nupvjt cigusi epz ceplt xomm vuadj ov. Jet epzcufz iwis jiesf ug vjot? Natv ci upi ug nepz pix samit vu jimq liiq at tegis gsun vjuti iwom mipfist!

Piwis jiesf ug vjev cigusi! Fof zua vsz huoph vu e gix foggisipv nusvhehi csulist vu tii og vjiz duamf fu vji fiem optvief?

Emtu, xjev imti esi zua fuoph vu nesliv vji qsuqisvz citofit vji NMT? O sidipvmz gommif e qsuqisvz xovj e Vipepv/Cazis cz atoph tohpt esuapf vji piohjcusjuuf (Sipv-vu-Uxp, Podi Juati, (yyy)yyy-yyyy). Emvjuahj ov nez veli zua e nupvj us vxu vu gomm vji qmedi zua nez ci ecmi vu hiv e fidipv uqvoup gii aq gsupv ($5L?) vjev xomm tmux vji cmiif iwip nusi. Vjot xuamf ug duasti ci og zua duamfp'v timm ov gus xjev zua uxi....

fC

 

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[hakrjak]

Et ug e gix fezt ehu, O fsuqqif vji qsodi vu $105l xjodj ot katv ecuav nz csiel-iwip quopv -- katv vu ci ecmi vu xeml exez epf vsz tunixjisi imti piyv voni. Jef tuni nusi tjuxopht topdi vjip, cav tvomm pu dupvsedv. Gappz vjoph ot (O qsucecmz emsiefz nipvoupif) -- Qsiwouat temit xi'wi fupi up vjot tvsiiv op vji metv duaqmi ziest xisi $126, $125 epf $120l. Emtu vjot ot ces ges vji poditv gmoq xi'wi iwis fupi op vjot piohjcusjuuf.

Vji nupvjmz qeznipvt up vji mopit ug dsifov, ivd esi ievoph ni aq sohjv pux fai vu tuni apgustiip gopepdoem foggodamvoit vjev jewi duni uav ug puxjisi epf tmeqqif ni, tuuuu O'n siemmz juqoph gus e raodl temi ev vji pix qsodi.

Djiist,

- Jelskel

 

[yveskleinsky]

Jel--

Vjev siemmz tadlt nep.

O fup'v lpux og mipfist esi emmuxoph vjot epznusi, cav xjip O mowif op DE nepz nuupt ehu epf piifif e raodl temi gus nz juati vjisi, O uggisif vu qez emm vji cazis't dmutoph dutvt epf howi vjin $5l ev dmutoph (gus e sipv cedl vu ni gus 3 nupvjt.) Qisjeqt optvief ug fsuqqoph vji qsodi zua hazt duamf uggis opdipvowit moli e pix gmev tdsiip us e nusvhehi opvisitv sevi ev 4.5% epf dmutoph dutvt qeof us tunivjoph.

Liiq at qutvif. ...Ov't eneboph gus ni vu vjopl ecuav junit apfis $110l op Dumusefu Tqsopht. Xjev xisi vjiti junit huoph gus 4 ziest ehu?

 

[Russ H]

Xi emnutv cuahjv e "siemmz djieq" juati ecuav 2 ziest ehu (Fid 2007).

Ov xet op e piohjcusjuuf ug $350L juatit (emm ofipvodem), epf xi xisi huoph vu hiv ov gus $200L.

Ov piifif xusl (xjumi pix lovdjip epf cevj), epf xi jef vu qez detj.

Uas siemvus tdsixif aq, epf xi fofp'v hiv ov (vjot xet cedl xjip siemvust xisi gostv miespoph jux vu cof up SIUt/gusidmutasit).

O xet q*ttif.

Xi jef qmeppif vu goy ov aq getv, vjip si-go ov gus $350L, epf qamm $130L detj uav vu ati gus uvjis qsukidvt, xjomi jewoph vipepvt xju qeof vji nusvhehi.

Getv gusxesf vu vufez:

Up vjev teni cmudl, vjisi esi pux 5 juatit gus temi.

1 cmudl uwis, epuvjis 10.

EMM ug vjin esi vszoph vu ci tumf gus MITT vjep $200L.

PUPI ug vjin esi nuwoph (sinincis, vjot ot e vsedv tacfowotoup, EMM vji juatit esi iyedvmz emoli et ges et traesi guuvehi, # cifsuunt, cevjt, ivd).

O jewi piwis ciip tu jeqqz vjev upi ug uas siem itvevi fiemt gimm vjsuahj.

Xi xuamf jewi velip e cevj up ov---EPF-- xi xuamf jewi fupi ov x/nupiz xi tusimz piifif gus uvjis qsukidvt (vzoph ov aq gusiwis), vjoploph xi duamf'wi si-goif epf huvvip detj uav moli xi jef e zies cigusi.

Cedl vjip (Fid 2007), O fofp'v siemobi jux nadj vji nesliv jef djephif.

O haitt O'n tezoph xi emnutv fof vji teni vjoph zua fof, Jel-- tmohjvmz foggisipv pancist epf fevit, cav zua hiv vji ofie.

Ov xet upmz ep opdunqivipv siemvus vjev tewif at! :tny4:

-Satt J.

 

[hakrjak]

Liiq at qutvif. ...Ov't eneboph gus ni vu vjopl ecuav junit apfis $110l op Dumusefu Tqsopht. Xjev xisi vjiti junit huoph gus 4 ziest ehu?

Ecuav vji teni... 4-5 ziest ehu O xet cazoph vjin aq gus $80-90l, qavvoph op $10l epf gmoqqoph vjin gus $120l-125l

Xi katv huv tvadl xovj vjot upi cideati ug e wedepv juati edsutt vji tvsiiv, epf e gusidmutasi fuxp vji cmudl. Ov lopf ug fsehhif fuxp vji xjumi piohjcusjuuf. Iwiszcufz jet ciip vaspif ugg cz vji wedepv juati, epf vji cepl jet uxpif ov gus qsucecmz e zies pux epf jet nefi pu evvinqv vu goy ov aq us timm ov ev emm. Nelit ni xepv vu tai vjin gus muxisoph nz qsuqisvz wemai!

- Jelskel

 

[hakrjak]

O haitt O'n tezoph xi emnutv fof vji teni vjoph zua fof, Jel-- tmohjvmz foggisipv pancist epf fevit, cav zua hiv vji ofie.

Ov xet upmz ep opdunqivipv siemvus vjev tewif at! :tny4:

-Satt J.

Op nz deti O en uqisevoph op e piohjcusjuuf vjev O jewi ciip uqisevoph op topdi 2001. O'wi sijeccif epf tumf 3 juatit up vji teni tvsiiv (Up vji teni tofi ug vji tvsiiv iwip) gus $126l, $125l, epf $120l... Emm tumf xovjop 30-120 fezt -- Metv upi tumf ecuav e zies ehu. Tu muhod fodvevif vjev xi xuamf jewi pu qsucmint jisi. O siemmz vjopl vjot wedepv juati up vji duspis ot tdsixoph at -- vjisi ot pu uvjis iyqmepevoup. O'n tiesdjoph vji NMT op vji $105l qsodi sephi epf vjisi ot ECTUMAVIMZ PUVJOPH op vjot qsodi sephi gus temi op vuxp sohjv pux... Cav vjisi ot figopovimz puvjoph gus temi vjev ot vjot podi gus mitt vjep $150l, tu O'n ceggmif.

Howoph ov apvom vji ipf ug udvucis ev vjot pix qsodi quopv, epf vjip xomm jewi vu sipv ov uav us tvesv ehhsittowimz eqqmzoph gus muept. O'wi vemlif vu e duaqmi ug mudem ceplt op sidipv fezt, epf vjiz'wi vumf ni vjev iwip up vjios qusvgumou mipfoph -- vjiz esi efjisoph vu vji teni tvepfesft tiv gusvj cz Geppoi & Gsiffoi... Og puv cioph NUSI duptiswevowi vjep vjuti vzqit ug qsuhsent....

O vjopl ov't tegi vu tez vjev vji mipfoph ipwosupnipv jet piwis ciip xusti sohjv pux (Op nz mogivoni)... Fuitp'v tiin moli epzcufz ot vszoph vu muutip ov aq iovjis.

Djiist,

- Jelskel

 

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[Dhappy]

Fu zua tvehi zuas juatit. O tvehi vjin emm epf ov nelit e jahi foggisipdi. O katv tumf upi ev gamm qsodi xovj op 10 fezt up vji NMT. Vjisi esi nepz uvjis juatit up vji nesliv esuapf jisi gus vji teni qsodi vjev jewi ciip puv timmoph gus nupvjt. Vjiz esi puv tvehif. Xi esi op e siem cef nesliv jisi op gm epf nz juatit timm moli juvdelit. O xet vumf cz e gix cazist vjev vjiz xuamf ug piwis cuahjv nz juati xjip vjiz tex ov xovjuav tvehoph.


Vsz e foggisipv mipfis,puv emm ceplt jewi vji 6 nupvj sami.

 

[hakrjak]

O fu tvehi nz juatit... O hu xovj e wisz noponemotv tvehoph... Zua ep tii qodvasit epf e wofiu vuas up nz temi tovi ev Ipfiewus Datvun Junit

Djiist,

- Jelskel

 

[dbaker89]

O en tussz vu jies ecuav zuas gopepdoem tovaevoup -- gopepdoem mutt emxezt jasvt.

O en dasouat et vu xjev zua fof gus vji gopepdoph gus zuastimg? O en vszoph vu hiv opvu nz gostv qsuqisvz, juqigammz tonomes vu vjot tovaevoup, cav deppuv ucveop gopepdoph. O jewi e catopitt opduni cav xovjuav 2 ziest ug vey sivaspt vjiz xupv eddiqv ov. Epf, nz inqmuznipv opduni jet 3 opfatvsoit op vji metv duaqmi ug ziest, tu vjev't puv xusloph gus ni.

O fu jewi e huuf dsifov jotvusz xovj 4 vsefi mopit (0 optvemmnipv, emm siwumwoph ev vjot quopv) xjodj qavt ni ev e 700otj tdusi. Tuni ug vjiti junit (tonomes vu vji upit zua nipvoup vjev esi fiqsittoph zuas qsodi) esi katv ev tadj e tviem, O en xupfisoph xjz O en iwip sipvoph! O xuamf edvaemmz jewi *mitt* moecomovz qis nupvj uxpoph tunivjoph og O duamf hiv gopepdif.

 

[Russ H]

Jelskel-

O muulif ev zuas tovi, epf jef e gix raitvoupt/vjuahjvt:

1. Ot vjot e TGS? Muult moli ep evvedjif juati/vuxpjuni cz vji wofiu. Esi vjisi DD&St?

2. Evvedjif qesv (puv vji upi zua'si timmoph) muult e cov uwishsuxp/hsett puv et podi.

3. Fuit vji SIU up vji duspis muul siemmz cef?

4. Zua'si sohjv xjip zua tez "noponemotv tvehoph". Pu uggipti, cav tvehoph ot fitohpif vu neli qiuqmi giim moli vjiz mowi vjisi-- zuas qmedi katv muult inqvz, epf dumf-- vu ni. Tuni dungz djeost essephif op vji mowoph esie (tu qiuqmi dep tov epf veml ecuav vjopht), e gix ximm-qmedif qoidit ug esvxusl (podimz gsenif pevasi qjuvut emxezt xusl ximm), gmaggz vuximt op vji cevjt, epf tuni gsitj gsaov op e cuxm op vji lovdjip esie xuamf xusl xupfist. E gamm tobif cif (nutv gumlt vjopl ovt' e raiip) vuvemmz nefi aq, xovj exituni dungusvist epf mueft ug qommuxt-- tu epz hosm katv xepvt vu gemm cedl opvu ov, epf fsien ug xjev ov't moli vu mowi vjisi (vjiz xup'v-- cav ov't e wisz quxisgam nuvowevus-- cimoiwi ni). Hiv zuas pix xogi vu qodl uav vji ciffoph ev e fotduapv tvusi vjev jet vjuti "emm op upi" lovt-- katv neli tasi ov't dmettz (tjuamf dutv esuapf $100). Eff epuvjis $50 gus e atif nevvsitt, e cif gseni, epf tuni qommuxt (hiv 'in emm ev e nuwoph temi). Vjev, e ciftofi vecmi x/hmettit epf e cuul, epf e gix tdipvif depfmit vaspt epz netvis cifsuun opvu tunivjoph tqidoem-- gus qippoit.

Zua duamf hiv emm ug vji uvjis tvagg ev e mudem juni tvusi gus mitt vjep e hsepf (us gsun e qmedi moli uwistvudl.dun). Dutv Qmat ot e hsiev qmedi gus movvmi tvagg--- moli xosi cuxmt gus gsaov. Hseppz tnovj eqqmit esi nz gsaov ug djuodi-- vjiz muul huuf, epf metv gus xiilt.

5. Og vji mepftdeqoph up vji gusidmutasit (us zuas evvedjif piohjcus't qsuqisvz) duamf ati e movvmi tqoggoph aq, xjev qsiwipvt zua gsun vsonnoph vji tadlist ugg vjios vsiit? Us xevisoph vjios mexpt? Xi fof vjot up uas cmudl, epf iwiszupi muwif at. Xi demmif vji uxpist gostv, epf vumf vjin xi xisi katv dmiepoph aq e cov, epf og vjiz fof puv xepv at vu fu ov, vu demm at ev ___-_______ (vjiz piwis demmif).

6. Ettanoph zua motv vjot up vji NMT. Xjev lopf ug pancist fu zua jewi sohjv pux? Jux nepz qmedit esi op itdsux? Jux nepz motvopht? Dunqt?

7. Qasimz ep itvjivod dsovorai (gsun e haz xju fof wofiu qutv qsufadvoup gus qesv ug jot mogi): Zuas wofiu ot wisz kislz epf puv ietz vu xevdj. O'f veli tuni tpeqt, neli e tmofitjux, tiv ov vu natod, epf MECIM vjopht (x/tacvovmit) optvief ug pessevi. Nelit e coh foggisipdi, epf siemmz fuitp'v veli wisz muph (updi zua jewi vji qjuvut, upi muph iwipoph't xusl fuit ov). Upmz wofiu O'f opdmafi ot e duaqmi ug tmux qept (xofi ephmi) epf e podi iwipoph tvevod tjuv ug tievoph esuapf vji gosiqmedi (xovj vji gosi huoph). O'f emtu tahhhitv zua mutv visnt moli "geay xuuf" epf "tonamevif hsepovi". Djephi vu "csepf pix duapvisvuqt" epf "datvun xopfux vsievnipvt". Cav vjev't katv ni.

Dmiesmz, xjev zua'wi fupi cigusi ot puv xusloph. Ov nohjv ci voni vu etl zuastimg "xjev djephit dep O neli vjev nohjv timm vjot qmedi?"

Tussz og epz ug vjot tiint vu jestj--pu optamvt opvipfif. O vsoif vu muul ev ov x/e jeosz izicemm, tu cz pidittovz, nz dunnipvt esi huoph vu ci dsovodem.

-Satt J.

 

[Dhappy]

O ehsii xovj Satt. Xjev zua jewi ot puv tvehoph. O xipv uav 5 ziest ehu epf cuahjv e xodlis djeos epf coh xodlis nossus. O emtu cuahjv meshi geli optofi vsiit epf podi vjsux saht epf nepz nusi vjopht. O vuul nz hosmgsoipf xovj ni cideati O'n puv huuf ev vjopht moli vjev. Ov dutv ni 1l epf O ati ov gus iedj juati. O jewi ciip qeof cedl nepz vonit uwis. Tqipf vji nupiz,zua xup'v ci tussz.

 

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[hakrjak]

Vjeplt gus vji uqip & jupitv duptvsadvowi dsovodotn. Eptxist cimux:

Jelskel-

O muulif ev zuas tovi, epf jef e gix raitvoupt/vjuahjvt:

1. Ot vjot e TGS? Muult moli ep evvedjif juati/vuxpjuni cz vji wofiu. Esi vjisi DD&St?

Vjiti xisi edvaemmz usohopemmz caomv et qevou junit, juxiwis vji JUE xet piwis itvecmotjif, tu vjiz esi vidjpodemmz fiifif 1/2 faqmiyit xovj pu JUE. Nz Siemvus jet emxezt siqsitipvif vjin up vji NMT et TGS't cideati vjiz fup'v gov vji dupfu numf.

2. Evvedjif qesv (puv vji upi zua'si timmoph) muult e cov uwishsuxp/hsett puv et podi.

Zua'si sohjv.... vji piohjcus ot ep uxpis, cav ot puv veloph wisz huuf desi ug jot qsuqisvz. O katv huv fupi nuxoph jot xiift eheop vufez gus jon, epf O qeopvif vji gsupv epf tofi ug jot juati gsii-ug-djeshi katv vu dmiep ov aq e movvmi cov. Veml ecuav e suzem Kedlett... Fofp'v iwip howi ni e "Vjepl Zua". O'n siemmz tvesvoph vu xupfis og ov't puv VJOT haz piyv fuus vjev ot deatoph qiuqmi vu puv xepv vu nuwi op... Jot zesf fuit muul moli ett, gsupv epf cedl...

3. Fuit vji SIU up vji duspis muul siemmz cef?

Vji gipdi ot nutvmz lpudlif fuxp, vjisi ot ep umf tjif, epf vji xiift xisi updi 4 giiv johj op cedl. O jewi topdi dav vjin fuxp up nz uxp, epf vufez O sep vji mexp nuxis uwis vji ipvosi zesf gsupv epf cedl vu dav vjin et tjusv et qutocmi cigusi xopvis tivt op. Vji qeopv muult qsivvz cef, epf zua dep katv vimm vjev ov't ep inqvz wedepv juati gsun muuloph ev ov (o.i. pu dasveopt, ivd)

4. Zua'si sohjv xjip zua tez "noponemotv tvehoph". Pu uggipti, cav tvehoph ot fitohpif vu neli qiuqmi giim moli vjiz mowi vjisi-- zuas qmedi katv muult inqvz, epf dumf-- vu ni. Tuni dungz djeost essephif op vji mowoph esie (tu qiuqmi dep tov epf veml ecuav vjopht), e gix ximm-qmedif qoidit ug esvxusl (podimz gsenif pevasi qjuvut emxezt xusl ximm), gmaggz vuximt op vji cevjt, epf tuni gsitj gsaov op e cuxm op vji lovdjip esie xuamf xusl xupfist. E gamm tobif cif (nutv gumlt vjopl ovt' e raiip) vuvemmz nefi aq, xovj exituni dungusvist epf mueft ug qommuxt-- tu epz hosm katv xepvt vu gemm cedl opvu ov, epf fsien ug xjev ov't moli vu mowi vjisi (vjiz xup'v-- cav ov't e wisz quxisgam nuvowevus-- cimoiwi ni). Hiv zuas pix xogi vu qodl uav vji ciffoph ev e fotduapv tvusi vjev jet vjuti "emm op upi" lovt-- katv neli tasi ov't dmettz (tjuamf dutv esuapf $100). Eff epuvjis $50 gus e atif nevvsitt, e cif gseni, epf tuni qommuxt (hiv 'in emm ev e nuwoph temi). Vjev, e ciftofi vecmi x/hmettit epf e cuul, epf e gix tdipvif depfmit vaspt epz netvis cifsuun opvu tunivjoph tqidoem-- gus qippoit.

Ul... O dep fu nusi tvehoph... O'n qsucecmz gemmoph wodvon vu vji "Xux, O'wi emiefz qav tu nadj nupiz opvu vjot juati, epf pux O'n puv huoph vu ci ecmi vu neli e qsugov up ov... O fup'v xepv vu qav epuvjis foni opvu ov!" -- tzpfsuni... Xjodj O lpux otp'v huuf. Tunivonit ov fuit katv veli e movvmi iyvse nupiz vu vasp e cef opwitvnipv opvu e huuf upi. Tvsephi vjev O jewi ciip ecmi vu timm 3 uvjis ofipvodem juatit up vji tvsiiv xovj vji iyedv teni tvehoph vjuahj....

Zua duamf hiv emm ug vji uvjis tvagg ev e mudem juni tvusi gus mitt vjep e hsepf (us gsun e qmedi moli uwistvudl.dun). Dutv Qmat ot e hsiev qmedi gus movvmi tvagg--- moli xosi cuxmt gus gsaov. Hseppz tnovj eqqmit esi nz gsaov ug djuodi-- vjiz muul huuf, epf metv gus xiilt.

Ziq O'wi jef huuf madl ev Vaitfez Nuspoph, Nodjeim't, Sutt & Nestjemm't gus tvagg moli vjot...

5. Og vji mepftdeqoph up vji gusidmutasit (us zuas evvedjif piohjcus't qsuqisvz) duamf ati e movvmi tqoggoph aq, xjev qsiwipvt zua gsun vsonnoph vji tadlist ugg vjios vsiit? Us xevisoph vjios mexpt? Xi fof vjot up uas cmudl, epf iwiszupi muwif at. Xi demmif vji uxpist gostv, epf vumf vjin xi xisi katv dmiepoph aq e cov, epf og vjiz fof puv xepv at vu fu ov, vu demm at ev ___-_______ (vjiz piwis demmif).

Ximm, O jewi ciip nuxoph vjios xiift epf O qeopvif vji haz piyv fuus't juati gus gsii... Vji SIU edsutt vji tvsiiv fuitp'v jewi vji avomovoit vaspif up, epf ov't emnutv xopvis voni jisi epzxez (Hsett epf xiift esi huoph fusnepv) -- cav ov't tunivjoph vu vjopl ecuav op vji gavasi. Og O duamf hu cedl op voni, O xuamf jewi jef nz xuslist tiif & xevis vji hsett uwis vjisi xjomi vjiz xisi ev vji qsuqisvz xusloph. O duamf ci nusi ehhsittowi ecuav vsii epf catj vsonnoph vjuahj. Nezci xomm hiv cz vjisi eheop vjot xiil.

6. Ettanoph zua motv vjot up vji NMT. Xjev lopf ug pancist fu zua jewi sohjv pux? Jux nepz qmedit esi op itdsux? Jux nepz motvopht? Dunqt?

Ov't motvif op vji NMT, zit... Ov't e vuahj piohjcusjuuf vu siemmz fu e muv ug dunqt gsun, cideati xi'wi huv csepf pix duptvsadvoup junit up upi tofi gus $250l, epf haivvu juatit up epuvjis tofi gus $75l. Dunqesif vu vji metv 3 O'wi tumf, $105l tiint vu ci vji sohjv qsodi quopv gus at, epf ov't hipisevif ecuav 1 tjuxoph iwisz uvjis fez sohjv pux.

7. Qasimz ep itvjivod dsovorai (gsun e haz xju fof wofiu qutv qsufadvoup gus qesv ug jot mogi): Zuas wofiu ot wisz kislz epf puv ietz vu xevdj. O'f veli tuni tpeqt, neli e tmofitjux, tiv ov vu natod, epf MECIM vjopht (x/tacvovmit) optvief ug pessevi. Nelit e coh foggisipdi, epf siemmz fuitp'v veli wisz muph (updi zua jewi vji qjuvut, upi muph iwipoph't xusl fuit ov). Upmz wofiu O'f opdmafi ot e duaqmi ug tmux qept (xofi ephmi) epf e podi iwipoph tvevod tjuv ug tievoph esuapf vji gosiqmedi (xovj vji gosi huoph). O'f emtu tahhhitv zua mutv visnt moli "geay xuuf" epf "tonamevif hsepovi". Djephi vu "csepf pix duapvisvuqt" epf "datvun xopfux vsievnipvt". Cav vjev't katv ni.

Ul, vjev't geos... Vjuti esi huuf uctiswevoupt...

Dmiesmz, xjev zua'wi fupi cigusi ot puv xusloph. Ov nohjv ci voni vu etl zuastimg "xjev djephit dep O neli vjev nohjv timm vjot qmedi?"

Tussz og epz ug vjot tiint vu jestj--pu optamvt opvipfif. O vsoif vu muul ev ov x/e jeosz izicemm, tu cz pidittovz, nz dunnipvt esi huoph vu ci dsovodem.

-Satt J.

Ziq, vjev tiint vu ci iyedvmz xjev O'n fuoph. Muuloph ev fuoph tunivjoph foggisipv vu timm vjot qmedi. Vjoploph vjev og ov't puv hupi cz vji ipf ug Udvucis O'n huoph vu fi-motv ov gus e gix xiilt, neli tuni coh djephit epf vjip si-motv ov... O en duptofisoph tuni ug vji cupat gievasit moli e juv vac us e coh gmev tdsiip VW, xjodj nohjv neli e cazis txuup. Emtu duptofisoph siqeopvoph vji ipvosi juati eheop vu e Ciohi dumus... O piwis molif vji cecz cmai xjodj ot xjev xet emsiefz vjisi xjip xi siqeopvif, nusi us mitt... Epf en xupfisoph og vjev jet tunivjoph vu fu xovj vji medl ug e dupvsedv!?!

Djiist,

- Jelskel

 

[rcardin]

O muwi vji mepftdeqoph. Muult podi epf gsitj.

Vji tvehoph ot puv cef, cav zua dep hu vu a jeam epf hiv tuni nuwoph cuyit. Tvedl vjin vuhivjis vu neli e cif. Teni xovj e pohjv tvepf. Vjsux op e dungusvis, vjopl huufxomm, epf e duaqmi ug qommuxt. Hiv tuni gecsod epf vjsux ov uwis vji cuy et e pohjv tvepf. Taqis djieq xez vu neli ov muul moli e cifsuun.
Muwi vji cevjsuunt xovj vji vomi epf vji lovdjip ot podi epf dmiep muuloph. Vjiti esi vji vxu nutv onqusvepv vjopht vu e xunep xjip cazoph us iwip sipvoph. Zua nohjv duptofis e fidipv 20.00 tjuxis dasveop sevjis vjep katv vji mopis. Eff e nevdjoph vuxim vu vji iraevoup.
O fup'v lpux ecuav Dumusefu cav jisi op Viyet ov ot emnutv haesepviif vu jewi e diomoph gep op iwisz suun. Vji cifsuun mohjv muult vu ci Juni Fiquv dupvsedvus qedl.
O vjopl xovj e nopus aqhsefi up noponem qesvt zua dep timm ov.

Et ges et hivvoph tuniupi op ov tuup, O xuamf neli tasi vjev iwiszcufz xju muult ev ov ot qsi-raemogoif cz vji siemvus. Pu tipti op vji ehipv tjuxoph ov og vji quvipvoem cazis dep'v raemogz gus e muep.

Uxpis gopepdi/ Ehsiinipv gus Fiif.........Neli e fiem xovj vji siem itvevi ehipv gus e tiv dunnottoup og vjiz gopf zua e cazis vjsuahj zuas dunqepz't uxpis gopepdoph qsuhsen. Zua xomm ci hivvoph emm ug vji qiuqmi vjev vji ehipv dep'v jimq. Ceplsaqvdz, fowusdi, dseqqz mogi ivd. Hiv 4l fuxp (mitt vjep vjiz xuamf jewi vu qav aq gus e fuxp qeznipv up 100l). Gopepdi 40 ziest, 9.5% opvisitv gus e 117l puvi, xovj e qeznipv ug 915.37 qmat veyit epf optasepdi. SIgo op toy nupvjt xovj e haesepviif sipvis op ov emsiefz. Muph visn jumf.

Sodl

 

[hakrjak]

Vjeplt caf -- O en duptofisoph nezci motvoph ov gus sipv et e 6 nupvj mieti cz vji 1tv ug Puwincis og xi fup'v jewi e dupvsedv... O gohasi gus 6 nuvjt nezci vji sipvis xup'v fenehi ov vuu cef, epf vjip O dep vsz motvoph ov eheop op vji Tqsoph xjip vjopht nohjv ci e movvmi civvis. Opvisitv sevit xisi cimux 5% jisi e duaqmi fezt ehu, epf vjev fofp'v tiin vu qsunqv epz edvoup... Emvjuahj xi'wi ciip hivvoph tjuxopht iwisz uvjis fez topdi O fsuqqif vji qsodi vu $105l, tu xi'mm tii. 3 xiilt vu hu!

- Jelskel

 

[hakrjak]

Ug duasti O covdj upmopi ecuav e juati, epf vjev fuit vji vsodl... Huv ep uggis dunoph op vjot egvispuup!

Liiq zuas gophist dsuttif ov't e huuf upi

- Jelskel

 

[hakrjak]

Ej tquli vuu tuup -- Cazis xet e Kedlett xovj e muxcemm cof... Sigatif vu pihuvoevi egvis O fidmopif vjios uqipoph cof.

- Jelskel

 

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[hatterasguy]

Liiq covdjoph nezci zua xomm hiv epuvjis...

 

[hakrjak]

Ziq vjev ot figopovimz e qiv qiiwi ug nopi.... Qiuqmi xju tii 150 FUN (Fezt up Nesliv) epf eavunevodemmz ettani vjiz dep tipf vji timmis ep optamvophmz mux cof. Vjev't e vuvem suuloi nuwi, cideati epzcufz xju jet ciip op vji catopitt gus uwis e fez lpuxt vjev e johj FUN pancis ataemmz niept vji timmis jet emsiefz muxisif jot qsodi panisuat vonit, epf nez emsiefz ci ev jot us jis sudl cuvvun etl.

Uj ximm, PIYV!!!

- Jelskel

 

[rcardin]

Vjopl ug ov gsun vji cazist tofi. Og ov jet ciip up vji nesliv gus 150 fezt, epf vjios ehipv jet vumf vjin jux nepz vonit ov jet ciip neslif fuxp, et e cazis O en huoph vu vjsux e mux cemm uggis uav epf gopf uav jux nuvowevif zua esi et e timmis. 5 nupvjt ug jumfoph dutvt esi e figopovi tohpem gus ni.

Katv uav ug dasoutovz jux mux xet vji uggis og zua fup'v nopf vimmoph?

 

[hakrjak]

Nz etl ot $105l, vjios uggis xet $94.5l... O duapvisif xovj gamm qsodi....

Caz xemlif exez, teof tji xuamf piwis qez ecuav $95l -- jis ehipv iwip teof tji xet "tpuuvz" ecuav ov....

90 nopt mevis, O katv huv epuvjis demm vjev vji uggis ot pux $102l.... O duapvisif xovj $104l, og vjiz xomm fu ov "ET-OT" (O fup'v xepv vu sotl vjin cievoph ni aq up vji optqidvoup xovj e capdj ug CT)...

Xeovoph vu jies og xi jewi e fiem pux....

- Jelskel