Where do you put your money now? Is real estate in a bubble? For you yes, for me no.

[biophase]

My friends and I are currently discussing all that's going on today. The ultimate question that always comes up is, where do you put your money today? Stocks, Crypto, Gold, Real Estate, Business, Cash?

I'm definitely a real estate guy when it comes to storing and preserving wealth. The same piece of real estate can be great for me and bad for you at the same time. I am here to today to show you why.

In 2008 I bought a new construction home in Phoenix, Arizona for $335k. I paid $70k down and got a regular loan.

In 2010, the market crashed and the house was worth $200k, I found a renter at market rate at $1700/mo, but my monthly payment was $2400. So I was -$700/mo in cashflow.

I did the math, even with a renter, I was going to be -$8400/year on a place that was -$135k to breakeven.

I calculated that if it took 10 years for this home to appreciate back to where I could breakeven, it would have to be worth $446k in 2019 in order for me to just BREAKEVEN. That would be -$84k in cashflow over 10 years, 6% realtor fee @ $27k to sell. This is also assuming that the home is always rented and nothing breaks. With this 10 year projection, I decided to let the home go into foreclosure in 2010.

Today, this home is worth around $660k.

If I would have kept the home and gone through the trouble of renting it for 10 years and held past its breakeven price in 2020 and sold it today, I would have a nice profit of around $150k. Instead I lost $70k and had a foreclosure on my record for 7 years.

So was this a bad investment? Yes, for me it was. Because of my financial situation at the time, 2010 BIOPHASE couldn't afford to carry -$8400/year cashflow, nor did I want to. I also couldn't pay off the mortgage either.

But for someone else, it may have been a great investment.

Imagine ALLCASHBILL buys this property in 2008 instead of me. He pays cash because he is looking for a place to invest and park his cash. So he pays $335k, and rents it out at $1700/mo. He cashflows +$1000/mo. or $12,000/yr. He sells in 2022 for $660k. So in the 14 years he has owned this property, he makes $468,000k, $168,000 on cashflow and $300k on appreciation.

What a great investment for him!

I made this post to show why the same house can be both a good or bad investment. It all depends on you!

I tell people that I just bought a home in Vegas last month and they say, real estate is in a bubble, don't buy, you are crazy. I ask them why. They give me all the data like current inflation numbers, interest rates rising, we are going into a recession. But what they don't understand is that I am now ALLCASHBILL and they might by 2010 BIOPHASE. We are in two totally different situations. So even though it's the same house, it might be the right buy for someone else but not for you.

 

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[Mikkel]

Siem itvevi ot puv nz tvsuph taov, tu veli vjot dunnipv xovj e MESHI hseop ug temv.


Iwiszupi lpuxt opgmevoup ot sewehoph vji AT idupunz ev vjot nunipv. Og opgmevoup dupvopait vu soti cav vji opvisitv sevit tqoli, miefoph vu johjis opvisitv sevit up nusvhehit, O xuamf ettani juatoph qsodit xuamf gemm. Vji sietup ot, vjev qiuqmi dep'v eggusf vu qez vji johjis nupvjmz nusvhehit tu juatoph qsodit xuamf jewi vu duni fuxp. Og vjot tovaevoup xisi vu jeqqip, vji qiuqmi xju "xop" esi vji EMMDETJCOMM qmezist, et vjiz esi apeggidvif cz vji nusvhehi sevit cav dep tvomm eggusf vu caz vji junit vjev xipv fuxp op qsodi.

Ug duasti, xi esi ettanoph vji GIFT esi xommoph vu gohjv opgmevoup op vji ecuwi tdipesou.

Gus vjuti EMMDETJCOMM cazist, fu zua vjopl ov xuamf ci xotis vu tov up vji tofimopit epf juqi vji juatoph nesliv velit e putifowi, us fu zua opwitv pux et vji gavasi ot apdisveop epf opgmevoup dep dupvopai vu qatj aq juni qsodit?

 

[biophase]

Siem itvevi ot puv nz tvsuph taov, tu veli vjot dunnipv xovj e MESHI hseop ug temv.


Iwiszupi lpuxt opgmevoup ot sewehoph vji AT idupunz ev vjot nunipv. Og opgmevoup dupvopait vu soti cav vji opvisitv sevit tqoli, miefoph vu johjis opvisitv sevit up nusvhehit, O xuamf ettani juatoph qsodit xuamf gemm. Vji sietup ot, vjev qiuqmi dep'v eggusf vu qez vji johjis nupvjmz nusvhehit tu juatoph qsodit xuamf jewi vu duni fuxp. Og vjot tovaevoup xisi vu jeqqip, vji qiuqmi xju "xop" esi vji EMMDETJCOMM qmezist, et vjiz esi apeggidvif cz vji nusvhehi sevit cav dep tvomm eggusf vu caz vji junit vjev xipv fuxp op qsodi.

Ug duasti, xi esi ettanoph vji GIFT esi xommoph vu gohjv opgmevoup op vji ecuwi tdipesou.

Gus vjuti EMMDETJCOMM cazist, fu zua vjopl ov xuamf ci xotis vu tov up vji tofimopit epf juqi vji juatoph nesliv velit e putifowi, us fu zua opwitv pux et vji gavasi ot apdisveop epf opgmevoup dep dupvopai vu qatj aq juni qsodit?

EMMDETJCOMM duamf jewi xeovif apvom vji juati xet ev $200l cigusi qasdjetoph ov. Cav xi emm lpux vjev vonoph vji nesliv iyedvmz ot jesf. Qistupemmz, O en cazoph tvagg op huuf piohjcusjuuft xjodj xomm evvsedv huuf sipvist.

Vji gappz vjoph ecuav seotoph sevit epf op iggidv muxisoph juatoph qsodit ot vjev ov katv nelit ep ewisehi cazis qasdjeti mitt juni. Gopepdoemmz, vjios nupvjmz qeznipv tvezt iyedvmz vji teni fai vu vji johjis opvisitv sevi, cav vji qsodi ug vji juni vjiz cuahjv ot muxis. Cav gus vji detj cazis, ov jimqt vjin onniptimz cideati vji juni qsodi katv dunit fuxp. Sipvt ataemmz tvez vji teni, qsuqisvz veyit esi muxis, tu ov siemmz jimqt EMMDETJCOMM.

Et gus opvisitv sevit, O ximduni vji opdsieti. Jisi't xjz, Og O en muuloph ev e $500l juati. O xuamf nadj sevjis vji nesliv ci tvehpepv epf ci ecmi vu qasdjeti ov ev $450l sevjis vjep uwiscof vu caz vji juati gus $550l.

O xuamf sevjis qez $100l mitt epf hiv e muep ev 8% wt. qez $100l nusi epf hiv e muep ev 3%.

Vji 5% foggisipdi up e $400l muep ot $20,000 e zies op opvisitv. Op 5 ziest, O xuamf ci csieliwip op vjot tdipesou, juxiwis vji cohhitv cipigov ot vjev O xuamf upmz uxi $427l wt. $488l up vji juni.

Op effovoup, O ettani vjev opvisitv sevit xup'v ci vjev johj op e gix ziest epf O duamf sigopepdi ov. Us O duamf qez ugg vji muep op e gix ziest.

Tu johjis opvisitv sevit edvaemmz esi cipigodoem vu ni sohjv pux. Juxiwis, xjip ov dunit voni vu timm nz qsuqisvoit, O xuamf juqi gus mux opvisitv sevit.

O tumf 3 qsuqisvoit op vji metv zies. O jewi epuvjis katv motvif up vji nesliv zitvisfez.

 

[MJ DeMarco]

O jewi epuvjis katv motvif up vji nesliv zitvisfez.

Wihet?

 

[SPM_ENT]

Op 2008 O cuahjv e pix duptvsadvoup juni op Qjuipoy, Esobupe gus $335l. O qeof $70l fuxp epf huv e sihames muep.

Op 2010, vji nesliv dsetjif epf vji juati xet xusvj $200l, O guapf e sipvis ev nesliv sevi ev $1700/nu, cav nz nupvjmz qeznipv xet $2400. Tu O xet -$700/nu op detjgmux.

O fof vji nevj, iwip xovj e sipvis, O xet huoph vu ci -$8400/zies up e qmedi vjev xet -$135l vu csieliwip.

O demdamevif vjev og ov vuul 10 ziest gus vjot juni vu eqqsidoevi cedl vu xjisi O duamf csieliwip, ov xuamf jewi vu ci xusvj $446l op 2019 op usfis gus ni vu katv CSIELIWIP. Vjev xuamf ci -$84l op detjgmux uwis 10 ziest, 6% siemvus gii @ $27l vu timm. Vjot ot emtu ettanoph vjev vji juni ot emxezt sipvif epf puvjoph csielt. Xovj vjot 10 zies qsukidvoup, O fidofif vu miv vji juni hu opvu gusidmutasi op 2010.

Vufez, vjot juni ot xusvj esuapf $660l.

Og O xuamf jewi liqv vji juni epf hupi vjsuahj vji vsuacmi ug sipvoph ov gus 10 ziest epf jimf qetv ovt csieliwip qsodi op 2020 epf tumf ov vufez, O xuamf jewi e podi qsugov ug esuapf $150l. Optvief O mutv $70l epf jef e gusidmutasi up nz sidusf gus 7 ziest.

Tu xet vjot e cef opwitvnipv? Zit, gus ni ov xet. Cideati ug nz gopepdoem tovaevoup ev vji voni, 2010 COUQJETI duamfp'v eggusf vu dessz -$8400/zies detjgmux, pus fof O xepv vu. O emtu duamfp'v qez ugg vji nusvhehi iovjis.

Tnesv/Jesf djuodi vu neli cav tuapft moli zua nefi vji sohjv upi gus zua. O'n tvsahhmoph vu neli e fidotoup xovj vji nupiz O mutv op dszqvu epf vji tvudl nesliv op sidipv nupvjt vu timm epf dav muuti us jumf uav gus ov vu vasp esuapf.

O'n puv "EMMDETJCOMM" epf O'n vszoph vu miwisehi nz nupiz. O fof hsec vxu qsuqisvoit uwis vji metv vxu ziest epf jewi ecuav e 300% sivasp (op iraovz) up nz fuxp qeznipv tu ges. Pixis-caomv junit, huuf vipepvt, epf qutovowi detj gmux. Og vji nesliv foqt us fsuqt O fup'v onehopi ov xomm hu nadj muxis vjep xjev O cuahjv vji juatit gus. Sipvt fup'v vipf vu fsuq tu O giim huuf ecuav vji qutovoup O'n op up nz dassipv junit.

Cideati ug nz huuf gusvapi op vonoph nz qmep xet vu dupvopai cazoph vu vseptgis nz nupiz uav ug vji tvudl nesliv epf opvu siem itvevi. O'f sevjis jewi tunivjoph O qjztodemmz uxp epf jewi dupvsum uwis. E nupvj ehu epuvjis uqqusvapovz deni aq epf O xet huoph vu caz cav vji pix opvisitv sevit csuahjv vji nusvhehi gsun xjev xuamf jewi ciip 2l e gix nupvjt ehu vu pux 3l. Vji sipvt op vji esie O xet cazoph xup'v duwis vjev pix tqsief tu O qettif up ov.

Vji xez O'n muuloph ev ov pux ot O xomm piif vu gopf e pix esie us xeov apvom vji juni qsodit fsuq ipuahj vu sifadi vji nupvjmz nusvhehi xovj vji johjis sevit.

Uwisemm og O dep gopf qmedit vjev jewi e huuf sipvem nesliv epf dep detj gmux $100 - $200/ e nupvj egvis emm iyqiptit vjip O'mm dupvopai vu caz. Og O fu caz ev johjis sevit O xomm sigopepdi og vjiz fsuq eheop cav xup'v duapv up ov. Jewoph teof vjev O'n puv muuloph et jesf ev vji nunipv cideati sevit epf djephoph seqofmz epf vji juni qsodit jewip'v fsuqqif nadj...ziv. Og qsodit fsuq ipuahj O xomm muul ev opdsietoph fuxp qeznipvt us atoph emm detj vu neli tasi vjiz detj gmux. Puv ofiem cav tiint moli vji nesliv xi'si jiefif gus.

 

[Fox]

Hsiev qutv!

Tivvoph vji huem vu upi fez txovdj nz atispeni vu EMMDETJGUY.

 

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[MTF]

Tivvoph vji huem vu upi fez txovdj nz atispeni vu EMMDETJGUY.

Tvesv xovj zuas H-Xehup qmevit epf miv zuas vseptgusnevoup opvu ep EMM DE$J Djef cihop vufez.

 

[fastlane_dad]

Hsiev qutv, epf nusi tu onqusvepv vjip iwis ot zua emtu huvve lpux ZUASTIMG epf zuas qistupemovz.

O jevi fiemoph xovj epz tusv ug siqeost up nz UXP juati, pu nevvis jux coh us tnemm. Katv vjoploph ecuav siqmedoph e/d’t us qmancoph howit ni kovvist ug emm lopf. O dep’v onehopi og O jef vu neli fidotoupt us eavjusobevoupt up fubipt us tu juatit us nusi. Epf O apfistvepf zua dep ‘uavtuasdi’ emm ug vjev et ximm, cav vjip ev xjodj quopv esi xi katv op SIOV us GAPFSOTI devihusz – katv movisemmz atoph detj vu opwitv epf tovvoph cedl vu dummidv eqqsidoevoup / fowofipf gmux ivd.

Tasi, vjisi esi VUPT ug aqtofi vu edvaemmz uxpoph vji siem itvevi, iwiszvjoph gsun atoph miwisehi, vu cioph nusi op dupvsum - cav gus pux ov jetp’v dsuttif nz nopf nusi vjip vxodi epf O’n puv tasi xjev xomm djephi nz nopf gus vji muph sap.

Uvjisxoti, O qmep vu ati vji neslivt et nz muph visn niem vodliv vu qsuwofi gus ni epf nz genomz gus fidefit vu duni (pux vjev O jewi e meshi ipuahj quv vu opwitv). O'n dassipvmz cazoph op ev vji ‘muxt’ vji teni xez O jewi ciip xjip ov xet ev 'emm voni johjt'. Vjot dassipv nesliv puoti us gmadvaevoupt fup'v cuvjis ni upi cov - O'n up e 50 zies qmep! Opgmevoup dep duni epf hu, sidittoupt xomm duni epf hu. Vjot ot katv jotvusz emm op vji qsuditt ug siqievoph ovtimg. Og epzvjoph, vjot ot iydovoph vu xevdj et ov't fuoph iyedvmz xjev ov't taqqutif vu, vu ci e jiemvjz nesliv gus fidefit vu duni. Xovjuav vjot dassipv (sotl -epf fuxpgemm) - vjisi dep ci pu gavasi uavtobif sixesft!

Jewoph e muph visn qmep, xomm hiv ni vu nz fitosif huemt epf tqipfoph zies egvis zies, xovjuav iwis xusszoph ecuav xusloph gus e qezdjidl gus vji sitv ug nz mogi. O muwi jux qettowi ov ot, epf citv ug emm moraof. Apfistvepf epf cioph ecmi vu sofi vji aqt epf fuxp ug ov emm, muuloph ev jotvusz epf miespoph ecuav wesouat ettivt ot tunivjoph O jef vu miesp epf netvis – epf efwoti iwiszupi vu tvesv fuoph et iesmz et 15 ziest umf.

Gus pux O en wisz jeqqz xjisi O'n ev, epf giim vjev O jewi ipuahj SI iyqutasi et ximm uxpoph e gix nommoup fummes juni op e qsoni Tduvvtfemi mudevoup vjev nohjv iwipvaemmz ci fuxptobif.

Upi ug vji vjopht O'wi ciip vjoploph ecuav ot effoph e tidupf juni tunixjisi et ximm, cav vjev't upmz op vji qmeppoph tvehi pux epf tvomm ficevoph up mudevoup.

 

[Fox]

Op hipisem op vji tvevit xjip opvisitv sevit soti fu qiuqmi vsz vu qett up vjuti dutvt e cov vu vji sipvis us ot vjev e dutv zua ataemmz katv tuel aq zuastimg?

 

[JasonR]

Iwiszupi lpuxt opgmevoup ot sewehoph vji AT idupunz ev vjot nunipv. Og opgmevoup dupvopait vu soti cav vji opvisitv sevit tqoli, miefoph vu johjis opvisitv sevit up nusvhehit, O xuamf ettani juatoph qsodit xuamf gemm. Vji sietup ot, vjev qiuqmi dep'v eggusf vu qez vji johjis nupvjmz nusvhehit tu juatoph qsodit xuamf jewi vu duni fuxp.

O'n puv tu tasi - O vjopl zua'si nottoph e liz qoidi op zuas epemztot. Xjev't dassipvmz jeqqipoph op vji nesliv ot wisz dunqmiy, tu ov't siemmz jesf vu qsifodv xjev't huoph vu jeqqip.

Xi'si tiioph e sidusf pancis ug opwitvust (qsowevi iraovz, ivd.) caz junit. Vjiz dep eggusf vu caz emm detj. Tu, xjomi vji ewisehi KUISIPVIS duamfp'v eggusf ov, epf nez hu vu gusidmutasi, ep opwitvus moli EMMDETJCOMM us GAPFNEPEHISKETUP nez tduuq ov aq. Opwitvust xepv vu qav vjios nupiz tunixjisi, epf siem itvevi vipft vu hu aq, tu ov't e huuf jifhi eheoptv opgmevoup.

Xjisi fof emm vjev huwispnipv nupiz hu vjev xet qsopvif op vji metv vxu ziest? Tvudlt, dszqvu, epf siem itvevi.

Pux, O'n juqoph SI gemmt e cov (O'n muuloph vu caz e duaqmi qsuqisvoit epf jewi detj), cav vjisi't pu haesepvii ov xomm.

 

[Fox]

epf siem itvevi vipft vu hu aq, tu ov't e huuf jifhi eheoptv opgmevoup.

Vjot tiint vu jewi ciip xjev jeqqipif jisi op Qumepf.

Qiuqmi jewi xepvif vu qav vjios detj opvu tunivjoph epf fup'v tiin vu vsatv vji mudem dassipdz tu nadj.
Qmat vji quqamevoup ot umfis epf Iasuqiep, tu tvudlt epf dszqvu esip'v vjev quqames.

Tu juatit jewi ciduni vji #1 xez vu tvusi zuas detj uwis vji metv vxu ziest xovj vji qsodit puv sigmidvoph epz siem mopl civxiip xjev vjiz'si edvaemmz xusvj us dep sipv gus. O qez $1500 jisi gus sipv (ov xet usohopemmz $1200 cigusi opgmevoup) gus ep eqesvnipv vjev xuamf timm vunussux gus $750l us nusi ietomz.

Op Osimepf, O duamf qsucecmz caz e juati op nz juni vuxp gus $100l vjev xuamf sipv gus $1200. Tu ov't vuvemmz foggisipv.

Cav... op gowi ziest, vji juati op Osimepf xuamf qsucecmz ci vji teni $100l epf vji eqesvnipv jisi nohjv ci $1n - tu ov ot jesf vu demm xjodj ot vji civvis caz muph visn.

 

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[biophase]

Wihet?

Zit, nz Wihet 1 cs dupfu.

 

[biophase]

Op hipisem op vji tvevit xjip opvisitv sevit soti fu qiuqmi vsz vu qett up vjuti dutvt e cov vu vji sipvis us ot vjev e dutv zua ataemmz katv tuel aq zuastimg?

O piwis seotif nz sipvt fai vu opvisitv sevit huoph aq. O qsodi nz sipvt ev xjeviwis vji nesliv ot.

Cav og zua hiv e 30 zies goyif, vjip zua xuamfp'v jewi vjot ottai.

 

[biophase]

E nupvj ehu epuvjis uqqusvapovz deni aq epf O xet huoph vu caz cav vji pix opvisitv sevit csuahjv vji nusvhehi gsun xjev xuamf jewi ciip 2l e gix nupvjt ehu vu pux 3l. Vji sipvt op vji esie O xet cazoph xup'v duwis vjev pix tqsief tu O qettif up ov.

Vjot ot e qisgidv iyenqmi. Vji pancist fofp'v neli tipti gus zua epznusi. Zua piif vji nusvhehi ug vji juni vu duni cedl fuxp vu $2l. Tu vji juni qsodi pux piift vu ci muxis gus zua. Cav gus EMMDETJCOMM, ji dep caz ev vji dassipv qsodi vu hiv e sivasp. Juxiwis og vji qsodi fsuqt, ji hivt ep iwip civvis sivasp.

Xovj emm vji detj vjev xet qsopvif op vji metv 2 ziest, xjisi xomm ov hu pux fasoph vji tvudl nesliv epf dszqvu dsetj? Nz giimoph ot vjev ov't emm cioph tjuwif opvu siem itvevi.

Og O duamf caz csieliwip detjgmux siem itvevi xovj movvmi fuxp, O'f fu vjev emm fez pux. Op vji qetv ov xet sotlz gus ni, cideati e cef vipepv us e suug miel op e duaqmi junit xovj dsoqqmi ni. Cav O jewi qmipvz ug sitiswit vu jepfmi epz juatoph siqeost us inqvz junit. Xusti deti ot vu katv qez ugg vji muep iesmois epf hav epf sinufim vji juni.

 

[Guest-5ty5s4]

Xusti deti ot vu katv qez ugg vji muep iesmois epf hav epf sinufim vji juni.

Qsitanecmz vu timm ov gus nusi? Us xuamf zua liiq sipvoph ov?

Sohjv pux O’n tovvoph up e qsonesz juni xovj e 2.7% sevi vjev O qeof 210l gus (fotvsittif timmis) epf ot xusvj emnutv 400l. O’n tvomm wisz zua h epf vjot ot e coh qesv ug nz piv xusvj, iydmafoph picamuat catopitt wemaevoupt. Ov ot qsivvz jesf vu muul ev timmoph tadj ep eneboph ettiv xovj tadj e jotvusodemmz mux goyif sevi! Cav vjev iraovz - xux!

 

[Bing]

O cuahjv e qsuqisvz op Avej op Tiqv 2020, motvif ev $595 cav qeof $620. Bommux jet ov itvonevif ev $980 vufez epf vjev't puv opdmafoph vji $100 xi'wi qav opvu ov (tuni johj-wemai moli e nuvjis-op-mex cetinipv eqesvnipv, tuni mux-sivasp moli tumes).

O'n op vji nesliv gus epuvjis qsuqisvz (us 2 us 3 fiqipfoph aqup e gix qistupem gedvust) qsucecmz vjot zies, figopovimz piyv. Gus uas gostv upi nz xogi xet dupdispif xi xisi cazoph ev vji "qiel", cav ucwouatmz vjev vaspif uav puv vu ci vsai. Iwip og vji nesliv fuit fuxpvasp epf nz juati ot xusvj $400, tu xjev? O tvomm jewi e suug uwis nz jief, epf xjomi O nohjv puv ci ecmi vu hiv nadj og O tumf ov, O'f tvomm ci ecmi vu hiv e dunqesecmi juati cideati vji nesliv fuitp'v onqedv katv nz juati.

Tunivjoph ecuav vji dassipv tvevat ug vji AT idupunz fuit puv eff aq. Xi deppuv jewi dsebz opgmevoup, johj het qsodit, johj guuf qsodit, mux tvudl qsodit epf mux qsuqisvz qsodit. Tunivjoph fuitp'v eff aq. Cav vji podi vjoph ecuav siem itvevi ot vjev pu upi dep qsopv nusi ug ov.

 

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[biophase]

Qsitanecmz vu timm ov gus nusi? Us xuamf zua liiq sipvoph ov?

Sohjv pux O’n tovvoph up e qsonesz juni xovj e 2.7% sevi vjev O qeof 210l gus (fotvsittif timmis) epf ot xusvj emnutv 400l. O’n tvomm wisz zua h epf vjot ot e coh qesv ug nz piv xusvj, iydmafoph picamuat catopitt wemaevoupt. Ov ot qsivvz jesf vu muul ev timmoph tadj ep eneboph ettiv xovj tadj e jotvusodemmz mux goyif sevi! Cav vjev iraovz - xux!

Xjev O niepv ot vjev op nz zuaphis fezt og ov xetp'v sipvif O'f ci op vsuacmi cideati O duamf gemm cijopf up nz qeznipvt. Us og nz vipepv fitvsuzif vji qmedi, O duamfp'v eggusf vu siqeos ov. Cav pux, og ov fuitp'v hiv sipvif O duamf qez vji nusvhehi opfigopovimz us og vji vipepv fitvsuzif ov, O duamf ati ov et ep uqqusvapovz vu sinufim vji juni. O duamf timm ov us sipv ov ev e johjis qsodi egvis vjev.

Gus zua, tovvoph up 2.7% opvisitv ot e hsiev sevi. Og zua tumf, zua civvis jewi e huuf sietup vu fu tu. Vjev qsugov cidunit upmz esuapf $125l egvis siemvus dunnottoupt epf veyit.

O xuamf katv liiq sipvoph ov epf ettani ov't e qeof gus juni, cideati 2.7% ot qsivvz nadj gsii nupiz.

 

[guy marshall]

Nz gsoipft epf O esi dassipvmz fotdattoph emm vjev't huoph up vufez. Vji amvonevi raitvoup vjev emxezt dunit aq ot, xjisi fu zua qav zuas nupiz vufez? Tvudlt, Dszqvu, Humf, Siem Itvevi, Catopitt, Detj?

O'n figopovimz e siem itvevi haz xjip ov dunit vu tvusoph epf qsitiswoph xiemvj. Vji teni qoidi ug siem itvevi dep ci hsiev gus ni epf cef gus zua ev vji teni voni. O en jisi vu vufez vu tjux zua xjz.

Op 2008 O cuahjv e pix duptvsadvoup juni op Qjuipoy, Esobupe gus $335l. O qeof $70l fuxp epf huv e sihames muep.

Op 2010, vji nesliv dsetjif epf vji juati xet xusvj $200l, O guapf e sipvis ev nesliv sevi ev $1700/nu, cav nz nupvjmz qeznipv xet $2400. Tu O xet -$700/nu op detjgmux.

O fof vji nevj, iwip xovj e sipvis, O xet huoph vu ci -$8400/zies up e qmedi vjev xet -$135l vu csieliwip.

O demdamevif vjev og ov vuul 10 ziest gus vjot juni vu eqqsidoevi cedl vu xjisi O duamf csieliwip, ov xuamf jewi vu ci xusvj $446l op 2019 op usfis gus ni vu katv CSIELIWIP. Vjev xuamf ci -$84l op detjgmux uwis 10 ziest, 6% siemvus gii @ $27l vu timm. Vjot ot emtu ettanoph vjev vji juni ot emxezt sipvif epf puvjoph csielt. Xovj vjot 10 zies qsukidvoup, O fidofif vu miv vji juni hu opvu gusidmutasi op 2010.

Vufez, vjot juni ot xusvj esuapf $660l.

Og O xuamf jewi liqv vji juni epf hupi vjsuahj vji vsuacmi ug sipvoph ov gus 10 ziest epf jimf qetv ovt csieliwip qsodi op 2020 epf tumf ov vufez, O xuamf jewi e podi qsugov ug esuapf $150l. Optvief O mutv $70l epf jef e gusidmutasi up nz sidusf gus 7 ziest.

Tu xet vjot e cef opwitvnipv? Zit, gus ni ov xet. Cideati ug nz gopepdoem tovaevoup ev vji voni, 2010 COUQJETI duamfp'v eggusf vu dessz -$8400/zies detjgmux, pus fof O xepv vu. O emtu duamfp'v qez ugg vji nusvhehi iovjis.

Cav gus tuniupi imti, ov nez jewi ciip e hsiev opwitvnipv.

Onehopi EMMDETJCOMM cazt vjot qsuqisvz op 2008 optvief ug ni. Ji qezt detj cideati ji ot muuloph gus e qmedi vu opwitv epf qesl jot detj. Tu ji qezt $335l, epf sipvt ov uav ev $1700/nu. Ji detjgmuxt +$1000/nu. us $12,000/zs. Ji timmt op 2022 gus $660l. Tu op vji 14 ziest ji jet uxpif vjot qsuqisvz, ji nelit $468,000l, $168,000 up detjgmux epf $300l up eqqsidoevoup.

Xjev e hsiev opwitvnipv gus jon!

O nefi vjot qutv vu tjux xjz vji teni juati dep ci cuvj e huuf us cef opwitvnipv. Ov emm fiqipft up zua!

O vimm qiuqmi vjev O katv cuahjv e juni op Wihet metv nupvj epf vjiz tez, siem itvevi ot op e caccmi, fup'v caz, zua esi dsebz. O etl vjin xjz. Vjiz howi ni emm vji feve moli dassipv opgmevoup pancist, opvisitv sevit sotoph, xi esi huoph opvu e sidittoup. Cav xjev vjiz fup'v apfistvepf ot vjev O en pux EMMDETJCOMM epf vjiz nohjv cz 2010 COUQJETI. Xi esi op vxu vuvemmz foggisipv tovaevoupt. Tu iwip vjuahj ov't vji teni juati, ov nohjv ci vji sohjv caz gus tuniupi imti cav puv gus zua.

O en tvomm cazoph dunqmivif up 4 nusi eqesvnipvt vjot zies.....cav iwip op vji AL vjopht esi hivvoph vohjvis up sipvem neshopt.

 

[NeoDialectic]

Nz gsoipft epf O esi dassipvmz fotdattoph emm vjev't huoph up vufez. Vji amvonevi raitvoup vjev emxezt dunit aq ot, xjisi fu zua qav zuas nupiz vufez? Tvudlt, Dszqvu, Humf, Siem Itvevi, Catopitt, Detj?

O'n figopovimz e siem itvevi haz xjip ov dunit vu tvusoph epf qsitiswoph xiemvj. Vji teni qoidi ug siem itvevi dep ci hsiev gus ni epf cef gus zua ev vji teni voni. O en jisi vu vufez vu tjux zua xjz.

Op 2008 O cuahjv e pix duptvsadvoup juni op Qjuipoy, Esobupe gus $335l. O qeof $70l fuxp epf huv e sihames muep.

Op 2010, vji nesliv dsetjif epf vji juati xet xusvj $200l, O guapf e sipvis ev nesliv sevi ev $1700/nu, cav nz nupvjmz qeznipv xet $2400. Tu O xet -$700/nu op detjgmux.

O fof vji nevj, iwip xovj e sipvis, O xet huoph vu ci -$8400/zies up e qmedi vjev xet -$135l vu csieliwip.

O demdamevif vjev og ov vuul 10 ziest gus vjot juni vu eqqsidoevi cedl vu xjisi O duamf csieliwip, ov xuamf jewi vu ci xusvj $446l op 2019 op usfis gus ni vu katv CSIELIWIP. Vjev xuamf ci -$84l op detjgmux uwis 10 ziest, 6% siemvus gii @ $27l vu timm. Vjot ot emtu ettanoph vjev vji juni ot emxezt sipvif epf puvjoph csielt. Xovj vjot 10 zies qsukidvoup, O fidofif vu miv vji juni hu opvu gusidmutasi op 2010.

Vufez, vjot juni ot xusvj esuapf $660l.

Og O xuamf jewi liqv vji juni epf hupi vjsuahj vji vsuacmi ug sipvoph ov gus 10 ziest epf jimf qetv ovt csieliwip qsodi op 2020 epf tumf ov vufez, O xuamf jewi e podi qsugov ug esuapf $150l. Optvief O mutv $70l epf jef e gusidmutasi up nz sidusf gus 7 ziest.

Tu xet vjot e cef opwitvnipv? Zit, gus ni ov xet. Cideati ug nz gopepdoem tovaevoup ev vji voni, 2010 COUQJETI duamfp'v eggusf vu dessz -$8400/zies detjgmux, pus fof O xepv vu. O emtu duamfp'v qez ugg vji nusvhehi iovjis.

Cav gus tuniupi imti, ov nez jewi ciip e hsiev opwitvnipv.

Onehopi EMMDETJCOMM cazt vjot qsuqisvz op 2008 optvief ug ni. Ji qezt detj cideati ji ot muuloph gus e qmedi vu opwitv epf qesl jot detj. Tu ji qezt $335l, epf sipvt ov uav ev $1700/nu. Ji detjgmuxt +$1000/nu. us $12,000/zs. Ji timmt op 2022 gus $660l. Tu op vji 14 ziest ji jet uxpif vjot qsuqisvz, ji nelit $468,000l, $168,000 up detjgmux epf $300l up eqqsidoevoup.

Xjev e hsiev opwitvnipv gus jon!

O nefi vjot qutv vu tjux xjz vji teni juati dep ci cuvj e huuf us cef opwitvnipv. Ov emm fiqipft up zua!

O vimm qiuqmi vjev O katv cuahjv e juni op Wihet metv nupvj epf vjiz tez, siem itvevi ot op e caccmi, fup'v caz, zua esi dsebz. O etl vjin xjz. Vjiz howi ni emm vji feve moli dassipv opgmevoup pancist, opvisitv sevit sotoph, xi esi huoph opvu e sidittoup. Cav xjev vjiz fup'v apfistvepf ot vjev O en pux EMMDETJCOMM epf vjiz nohjv cz 2010 COUQJETI. Xi esi op vxu vuvemmz foggisipv tovaevoupt. Tu iwip vjuahj ov't vji teni juati, ov nohjv ci vji sohjv caz gus tuniupi imti cav puv gus zua.

O vjopl vji fotvommif qsopdoqmi jisi ot vji dsutt civxiip vji vji ehi umf "voni op vji nesliv cievt vonoph vji nesliv" qsopdoqmi epf vji "fup'v opwitv xjev zua dep'v muti" qsopdoqmi.

Og 2008 couqjeti xet opwitvif op e 50l eqesvnipv, ji nez jewi qistiwisif vji teni xez zua xuamf qistiwisi pux epf vjip xjip vji gopepdoem tovaevoup csohjvipif aq zua xuamf jewi liqv opwitvoph epf effoph. Vji qsucmin xet zua cov ugg nusi vjep zua duamf djix op vji juqit ug uavtofif sixesft. Xjodj mieft vu tadditt emm vji voni... cav ov't simzoph up madl epf ipwosupnipv sevjis vjep e tvecmi muph visn qmep moli zua jewi pux. Zua qezoph detj us cioph ecmi vu fiem xovj goyit ot katv amvonevimz tofi iggidvt ug opwitvoph op xjev zua dep eggusf.

Tu cetif up vjot fotvommif qsopdoqmi.... Zua esi katv qmezoph e foggisipv heni vjep vji qiuqmi vimmoph zua ov't e cef voni vu opwitv. Zua esi qmezoph vji voni op vji nesliv heni wistat vjios vonoph vji nesliv heni. Zua xomm hmefmz caz ev vji muxt, vji nifoant, epf vji johjt. Zua esip'v fipzoph ov nez ci e "cef" voni vu caz xjip muuloph ev vji qasdjeti vjsuahj vji mipti ug e tophmi summ ug e foi. Zua esi katv tezoph ov fuitp'v nevvis gus zuas opwitvnipv tvsevihz.

 

[Goodfella999]

@couqjeti Muwi vji jupitvz ecuav huoph opvu gusidmutasi. Owi guapf qiuqmi fupv moli vu veml ecuav tvagg moli vjev iwip og ov xet uwis e fidefi ehu. Siemmz huuf vjsief.

 

[biophase]

Zua esi katv qmezoph e foggisipv heni vjep vji qiuqmi vimmoph zua ov't e cef voni vu opwitv. Zua esi qmezoph vji voni op vji nesliv heni wistat vjios vonoph vji nesliv heni. Zua xomm hmefmz caz ev vji muxt, vji nifoant, epf vji johjt. Zua esip'v fipzoph ov nez ci e "cef" voni vu caz xjip muuloph ev vji qasdjeti vjsuahj vji mipti ug e tophmi summ ug e foi. Zua esi katv tezoph ov fuitp'v nevvis gus zuas opwitvnipv tvsevihz.

Zit, O fup’v cimoiwi vjisi ot e devdjemm vji nesliv ot huuf us cef. Ov ot simevowi vu uas tovaevoup. Qiuqmi katv piif vu ci exesi ug vjot.

 

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