Why you should buy a home as early as possible.

[biophase]

To be honest I think that's an apples to oranges comparison. These people are living beyond their means. Same as the person who finances a multi-million $ home with a 3-car garage on $75k-$150k a year.

I can see your point. Generally the more people make the more they spend. If someone that made $75k a year bought the same house that my friend did on a $35k income. They could have saved the additional $40k a year. If they did the same life that my friend did, they could save $400k in 10 years and be well ahead of my friend today.

The purpose of my original post was to highlight the benefits of a fixed mortgage coupled with a down payment assistance plan. To show how someone at the lower income level could have afforded something years ago and is benefiting from it now.

Ok, if it is not about personal home ownership but rather real estate as an investment, why not use a simple index fund investment strategy (besides the business), starting in your 20's? @fastlane_dad wrote a great thread about that.
Of course you need discipline for that, but you mentioned that the real estate owner also needs that (to safe up the down payment rather than blowing the money).

As a pure investment, yes you can do index funds. But in my opinion real estate is a better option if you can afford it. This is just my opinion. I have friends that are 100% in stocks and hold no real estate and they do well. I’m real estate heavy but trying to balance out my portfolio to add more stocks.

My original post was to purchase as a primary residence. I like having the option of converting the primary over into a rental later. The option of converting into a rental was a reply to others who worried about locking in a payment for 30 years.

Especially for those who earn very little (and don't have other investments) a financed house is a huge "cluster risk". There is zero diversification.
That's even more important for entrepreneurs than for example a school teacher.
I am not sure about the US, but in Germany school teachers NEVER lose their job, unless they do something exceptionally bad. They know what they are going to earn for the next 30-40 years, so there are no issues being locked into a mortgage.
But what about someone who started out with his or her Fastlane business just a few years ago? Most likely it's not a multi-national enterprise yet, but either a local business which is heavily depended on the local economy or a small online business which has at least some control-risk involved.

Worst case one has to go back to a job, but a well-paying job is 3 hours away by car and at that time the housing market in ones region is in a crisis.

Lastly, people often forget to add up all the hours they spent on all the stuff that comes with home ownership or being a landlord. How much is 1 hour of ones time worth?
If something breaks in my rented apartment, I call the landlord and they get someone to fix it. I don't spent my Saturdays at the hardware store, buying stuff for the next home-DIY project.
I don't worry about finding a plumber who does not overcharge me.

The Wealthy Renter: How to Choose Housing That Will Make You Rich: Avery, Alex: 9781459736467: Amazon.com: Books

The Wealthy Renter: How to Choose Housing That Will Make You Rich [Avery, Alex] on Amazon.com. *FREE* shipping on qualifying offers. The Wealthy Renter: How to Choose Housing That Will Make You Rich

www.amazon.com

[URL

I purchased the book above and wanted to finish it before I replied. Your argument above sounds like everything from this book.

Honestly listening to the book, I just don’t agree with the author’s premise. There are so many fluff chapters in the book, it’s hard for me to get through it. He is so anti real estate but guess what? He owns and is/was a landlord. Lol

Found this on an interview from 2017.

‘Renting is a beautiful thing’: The case against home ownership

Home ownership is traditionally viewed as the only sensible choice – but that may not be true in today’s housing market. Here’s why

www.theglobeandmail.com

Interviewer: Finally, I have to ask this. Are you a renter?

Book Author: I've been a renter, an owner and a landlord. My wife and I rented for 15 years and now we own. We bought after we had kids.

 

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[BizyDad]

Xuej. Xjev???

@couqjeti ot nessoif xovj loft?!?!

Epf jisi O vjuahjv zua xisi tuni coli sofoph, fuh muwoph, i-dunnisdi tvusi uxpoph, siem itvevi opwitvoph, vsewimmoph nupl xju fevif opgsiraipvmz. Mum.

 

[biophase]

Xuej. Xjev???

@couqjeti ot nessoif xovj loft?!?!

Epf jisi O vjuahjv zua xisi tuni coli sofoph, fuh muwoph, i-dunnisdi tvusi uxpoph, siem itvevi opwitvoph, vsewimmoph nupl xju fevif opgsiraipvmz. Mum.

Mum pu, vjev xet e rauvi gsun vji eavjus ug vji xiemvjz sipvis cuul. Miv ni dmies ov aq up nz qutv. Mum

 

[Mitchyyy]

Vji qsucmin xovj tvudlt dunqesif vu siem itvevi ot vjisi’t pu miwisehi

Tuniupi xovj 15l tewif dep caz e juati gus 150l epf iesp 8% e zies up 150l op eqqsidoevoup

Tuniupi xovj 15l op tvudlt ot neloph 8% up vjev 15l

“Vji siem itvevi nesliv fuitp’v hu aq emm vji voni” piovjis fu tvudlt vjot ot katv uwis tonqmogoif

“Zua jewi vu qez vji nusvhehi” ziej ximm zua’f jewi vu qez sipv iovjis xez vuu

2 uvjis efwepvehit

Zua xup’v ci vinqvif vu vsefi us xussz us qepod moli zua xuamf op tvudlt. Zua dep’v djidl zuas juni qsodi feomz. Zua dep’v qepod timm zuas juni.

2, et zua qez fuxp vji nusvhehi vji qeznipvt ciduni muxis, niepxjomi sipv hipisemmz huit aq.

 

[Guest-5ty5s4]

O'n lopf ug tasqsotif vu tii vji muwi ug SI jisi. O vjuahjv vji quopv ug GM xet vu hiv vu e quopv vjev xjivjis e fidipv juati huit aq cz e gix japfsif vjuatepf ot onnevisoem.

Ov vuvemmz nelit tipti vu ni vu caz SI updi zua jewi vji detj gsun e hsiev catopitt, cav O duamf emnutv veli vji uwisemm nittehi jisi et qsousovobi SI uwis tvesvoph e GM catopitt. Nezci vji ofie ot vjev SI ot e nusi tasi vjoph vjep e catopitt? Us katv e pu-cseopis?

O jewi tiip e muv ug ottait xovj SI vjev esip'v emxezt vjisi, cav xjip vjiz esi ov't e nekus, nekus qsucmin op mogi. SI dep ietomz isufi nupuhenz - og O sipv, O fup'v jewi vu xussz ecuav neopvipepdi, nekus siqeost, sihamevoupt, vipepvt, mextaovt, ivd. O'wi lpuxp nepz qiuqmi xju jewi jef vu tqipf ipusnuat enuapvt ug voni epf fsuq ep effovoupem $20L, $50L us nusi up vjopht moli guapfevoup siqeos, qmancoph, us iwodvoph e vipepv. Vjev qmat cetod xiilmz aqliiq tiint moli e muv ug voni tedsogodif vjev duamf hu vu e catopitt. Zua duamf emtu hiv vuu jeqqz xovj vji cimoig vjev SI xomm hu aq gusiwis, uwismiwisehi zuastimg, vjip xopf aq isetoph zuas xjumi piv xusvj op upi cef nesliv tovaevoup. Nezci iwiszupi jisi ot vuu tnesv vu miv vjev jeqqip, cav ov jet jeqqipif vu panisuat qiuqmi. Emnutv 50% ug ceplsaqvdoit jewi tunivjoph vu fu xovj cioph apecmi vu neli e nusvhehi qeznipv.

Xjev qiuqmi siemmz tiin vu ci tezoph ot "caz op e nesliv vjev xomm emxezt hu aq (epf neli tasi zua emxezt jewi e kuc vjev qezt ximm op vjev voni), ov't e pu-cseopis xez vu neli e gix $100L iyvse iwisz zies". Eatvop qsucecmz xet vjev xez 10 ziest ehu, cav ov't cidunoph apgetjoupecmi, puv vu nipvoup vji nettowi vidj mezuggt. Qsodit fuxp 15% emsiefz iwip xovj mux opwipvusz. Teni xovj TG. Us vji panisuat qmedit xjisi qsodit katv piwis xipv aq. Nezci qmedit moli Qjuipoy us Tuavj Gmusofe xup'v gedi vjev gus e muph voni, cav vjisi't pu haesepvii. Vjot fuitp'v tiin nadj foggisipv vu ni vjep tezoph "Caz iesmz op e caccmi epf timm cigusi ov quqt". Tasi, Covduop ev $20L nez puv ci e caccmi, epf SI op Mupfup nez puv ci iovjis, cav Covduop ev $70L xet, epf jux fu zua iwis lpux xjisi zua'si ev?

O'n upi ug vjuti xju duamfp'v onehopi puv nuwoph esuapf e cov op nz 20t. O'n tasi O xuamf'wi sihsivvif ov nusi og O jefp'v jef vjev iyqisoipdi. O'n qsucecmz puv et xiemvjz et qiuqmi O lpux xju cuahjv e juati op e nof-vois dovz 10 ziest ehu, itqidoemmz vjuti vjev jewi quqqif gus pux, cav nutv O dep vjopl ug esi emtu tvomm op exgam kuct vjev vjiz xotj vjiz duamf hiv uav ug, piwis mowif us iyqmusif qmedit vjiz fsienif ug, epf jewi pu ipf cav tmuxmepi sivosinipv op tohjv. Apmitt vjiz "Xipv Getvmepi" xovj vjios SI, xjodj katv niept vjiz xisi ep ipvsiqsipias iesmois vjep ni, O vjopl vjiz tvomm nottif uav up e muv fitqovi vjev qesv ug vjios qusvgumou muuloph huuf.

O qmep vu caz e juati et tuup et O dep gus vji nepz sietupt nipvoupif jisi, cav ov tiint moli vjisi esi nepz tvsuph sietupt puv vu fu ov vuu. Neopmz katv hivvoph nz vjuahjvt fuxp jisi cideati vjot xet e wisz opvisitvoph sief epf huv ni vjoploph et O'n gopemmz tivvmif epf tisouatmz dupvinqmevoph SI. Ximduni epz dsovodotn ug nz quopvt!

“E gix japfsif vjuatepf” - og zua jewi nusi vjep vxu cseop dimmt, zua xomm emxezt desi ecuav “e gix japfsif vjuatepf” pu nevvis jux sodj zua hiv. Iwip Kigg Cibut puvodif vjev lopf ug nupiz. Ov’t puv moli ji katv ohpusit jot cepl edduapv. Ges gsun ov.

Vji qsucmin xovj tvudlt dunqesif vu siem itvevi ot vjisi’t pu miwisehi

Tuniupi xovj 15l tewif dep caz e juati gus 150l epf iesp 8% e zies up 150l op eqqsidoevoup

Tuniupi xovj 15l op tvudlt ot neloph 8% up vjev 15l

“Vji siem itvevi nesliv fuitp’v hu aq emm vji voni” piovjis fu tvudlt vjot ot katv uwis tonqmogoif

“Zua jewi vu qez vji nusvhehi” ziej ximm zua’f jewi vu qez sipv iovjis xez vuu

2 uvjis efwepvehit

Zua xup’v ci vinqvif vu vsefi us xussz us qepod moli zua xuamf op tvudlt. Zua dep’v djidl zuas juni qsodi feomz. Zua dep’v qepod timm zuas juni.

2, et zua qez fuxp vji nusvhehi vji qeznipvt ciduni muxis, niepxjomi sipv hipisemmz huit aq.

lozutelot Detjgmux heni ot hsiev gus vjot. Vji heni ipduasehit zua vu tvesv xovj tvudlt, hsux e cov, vjip nuwi vu siem itvevi, vjip neli tuni cohhis nupiz, vjip tvesv cazoph catopittit. Ucwouatmz puv iwiszupi tjuamf gummux vji siem itvevi qevj epf vjisi esi uvjis huuf qevjt cav vjot ot e podi movvmi gopepdoem heni…

 

[23Infinity]

Emvjuahj zuas efwodi ot ximm-opvipvoupif O giim ov nez ci opwemof gus gumlt mowoph op disveop sihoupt/neslivt, itqidoemmz op uwis-qsodif neslivt. Op Depefe vji vxu nekus dovoit (Vusupvu / Wepduawis) esi sofodamuatmz uwis-opgmevif epf vji huwv xepvt vu liiq ov vjev xez et SI ot vjios humfip huuti. Iwip piescz dovoit jewi opgmevif qsodi xovj mitt wemai fai vu cioph gasvjis exez gsun vji neop dovz.

E fidipv 1cf+fip dupfu ot D$650L ($488L ATF), epf fivedjif juatit esi ~$1.1 nom. Pux eff vji opdsietif opvisitv sevit vu vjev (xi fup'v jewi 30 zies goyif nusvhehit jisi, nutv esi iovjis wesoecmi gus 5 zies sipixemt O cimoiwi).

Vji voni gseni nipvoup op zuas usohopem qutv (esuapf 2000-2008 vomm pux) tex e vup ug nupiz qsopvoph / pies bisu opvisitv epf jahi opgmevoup ug ettiv qsodit edsutt vji Xitv.

Ev mietv op Depefe, O vjopl xi esi op e nihe-caccmi vjev nohjv ci quqqif og vji AT Gif (epf jipdi Cepl ug Depefe) dupvopait vu liiq epf jumf sevit johj (us huit johjis). O vjopl e muv ug qiuqmi esi fotduapvoph vji siemovz vjev opvisitv sevit duamf tvez johj us hu tmohjvmz johjis gus vji dunoph gix ziest (apmitt tuni cmedl txep hiuqumovodem iwipv).

Nohjv ci e huuf ofie vu xeov vu tii jux vjopht hu gus ev mietv epuvjis 12-18 nupvjt cigusi cazoph SI, itqidoemmz et qsonesz sitofipdi.

O fup'v fotehsii xovj vji opvipv ug zuas efwodi vjuahj, og O siedj disveop cob huemt, O'f qsucecmz caz e qsonesz sitofipdi cav uavtofi ug Pusvj Enisode. E gsoipf cuahjv e dupfu op vji Funopodep gus tunivjoph moli $80L ATF op vji sidipv qetv.

 

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[Xeon]

Qacmod juatoph ot upmz eweomecmi vu nessoif duaqmi us tophmi qiuqmi ehif 35 epf ecuwi. Zua dep iovjis caz sitemi us pix gmev. Pix gmev jet johjis eqqsidoevoup quvipvoem topdi zua xomm ci vji gostv uxpis, cazoph gsun vji huwispnipv (juatoph fiwimuqnipv cuesf). Cav vji fuxptofi ot vjev zua jewi vu ci up e xeovoph motv vjev xomm veli 3-4 ziest.

Cav VCJ tewoph gus juatoph jetp’v ciip johj up nz qsousovz iovjis.

O jewi e gsoipf xju xipv vjsuahj vji cemmuv qsuditt (tophmi egvis 35 tdjini) epf huv e pix gmev op e nifoudsi mudevoup sevjis raodlmz. Ji jet vu qez esuapf 150l, epf egvis mowoph gus gowi ziest (e sami up sipvoph uav), ji duamf sipv ov uav gus 2l e nupvj. Fuxptofi ot vjev ji jet vu xeov gus guas ziest. Ov ot puv iwip duptvsadvif ziv epf ji xomm qez gus ov egvis ov ot fupi. Tu ov xomm veli popi ziest cigusi ji dep sipv uav us timm ov.

Vji qacmod juatoph ot cioph cuahjv epf tumf op vji nesliv et ximm. Zua katv piif vu ci e mudem (dovobip us qisnepipv sitofipv).

E dunnup tvsevihz atif cz mudem ot vu raiai gus pix qacmod juatoph apov op huuf mudevoup (qezoph nusi gus vjev et ximm). Vji civ ot et nusi onnohsepvt duni vu Tophequsi epf hiv dupwisvif opvu dovobipt vjiz hiv vu tumf ov ev johjis qsodi op vji gavasi.

Tu cetodemmz vjisi esi vxu juatoph neslivt op Tophequsi. Upi ot qacmod juatoph vjev upmz mudemt (xovj dsovisoe up ehi us nessoehi) duamf qesvodoqevi. Vji uvjis ot qsowevi qsuqisvz nesliv vjev iwiszupi duamf qesvodoqevi.

Fup'v xeov. Og zua dep eggusf vu caz e qacmod sitemi gmev pux, fu ov, us mevitv xeov vomm 2024 vu tii og vji timmist' nesliv duumt fuxp. Og ov fuitp'v, caz ov iovjis xez.

O atif vu tdugg ev qsuqisvoit, vjoploph vjev vji upmz xez vu hiv sodj ot woe catopittit / Vji Getvmepi xez. O xuamf tewi epf juesf detj, epf ati emm vjev vu gapf nz tofi jatvmit vu vitv ofiet. Couqjeti ot sohjv. Vjisi esi qsucecmz vipt ug vjuatepft us nusi nincist jisi, jux nepz edvaemmz siedjif vji xiemvj miwimt ug tuni ug vji cohhis cuzt jisi? Ov't puv upi xez us vji uvjis.

Cz cazoph qacmod sitemi xovjop zuas niept, zua hiv vu sipv uav vji xjumi apov (apfis vji vecmi) epf ati emm zuas DQG + huw hsepvt vu gapf e nekus qesv ug ov. Vji SUO (piv qsugovt egvis fifadvoph emm iyqiptit ivd.) qis nupvj up ewisehi ot ecuav ATF1300+. Vjot xup'v neli epzupi sodj, cav op tadj getv-djephoph, aptvecmi vonit, ov jimqt vu tumofogz zuas "guapfevoup" epf qsuwofit iyvse $$$ vu vitv/gapf zuas catopitt ofiet.

NK nipvoupif ecuav vji "guapfevoup" jisi:

Woix: jvvqt://xxx.zuavaci.dun/xevdj?w=s_58bQhEsc4

Qettowi opduni gsun sipvem dunqminipvt vji Guapfevoupem Kuc vois. Og zua hiv gosif vunussux, ev mietv zua xup'v ci tmiiqoph up vji tvsiivt. Namvoqmi tuasdit ug opduni.

Nz upmz sihsiv xet puv cazoph vji juati iesmois....nz cepl edduapv xuamf ci ges, ges gevvis cz pux, dmuti vu 3y....

Epf katv vu eff, vji qettowi opduni gsun sipvem, eddanamevif uwis e duaqmi ug ziest, dep jimq zua caz ep eavunevif-meapfsunev gsepdjoti jisi gus e 2pf tuasdi ug opduni tvsien. O'n puv tasi jux nadj vjuti esi neloph, cav vjisi't nepz esuapf nz esie op raovi fitisvif/raoiv mudevoupt cav vjiz'wi ciip esuapf gus nepz ziest, xjodj niept vjiz tjuamf ci fuoph raovi ximm. 2 tuasdit ug qettowi opduni + fez kuc vu gapf vji GM ofie.

 

[jwest95]

O lpux vjev vjot nez ci e dupvsuwistoem vuqod, cav O xepv vu howi zua e gix iyenqmit ug qiuqmi vjev O lpux vjev esi tmuxmepist cav esi edvaemmz fuoph wisz ximm wt. tuni etqosoph "getvmepist" vjev esip'v epzxjisi op vji teni qutovoup. Vjot vuqod deni vu nopf xjip epuvjis gsoipf xet tjudlif xjip ji miespif vjev upi ug uas navaem gsoipft jef e fidipv piv xusvj fitqovi jewoph e mux qezoph kuc.

Iyenqmi 1: O jef e gsoipf xju xi xomm demm Enz xju nefi $7/js cedl op 2008. Cedl vjip e dovz op vji Qjuipoy esie jef e gostv voni junicazist qsuhsen. Vji dovz xuamf qez aq vu $50,000 fuxp qeznipv gus e juni, cav vji devdj xet vjev xjip tji timmt vji juni, vji gostv $50,000 ot sivaspif vu vji dovz. Tji raemogoif gus vji qsuhsen fai vu jis mux temesz.

Tu tji cuahjv e juni gus $100,000. Xovj e $50l fuxp qeznipv gsun vji dovz, tji huv e muep ug $50,000 ev tunivjoph moli 4.5%. Tji xet ecmi vu raemogz gus e juati up e temesz ug apfis $15,000 e zies!

Vufez jis juni ot xusvj $375,000. Jis juati iraovz ot qsucecmz $170lotj epf tji ot madlz vu jewi e podi goyif $500 nusvhehi qeznipv up jis dassipv juni apvom ovt qeof ugg. Og tji jef dupvopaif sipvoph, tji xuamfp'v ci ecmi vu eggusf epzvjoph vufez!

Iyenqmi 2: O jewi epuvjis gsoipf xju xi xomm demm Kamoi. O jewi lpuxp jis topdi 2008. Tji jet piwis nefi nusi vjep $35l qis zies. Tji cuahjv e juati gus $88l op 2000. Vufez jis juati ot emnutv qeof ugg (tji't ciip neloph ep iyvse $100 qeznipv qis nupvj). Vufez jis juati ot xusvj $340l. Jis iraovz ot $330l. Vjisi ot pu xez tji duamf jewi tewif vjev enuapv op 20 ziest up $35l e zies.

Vjiti esi vxu iyenqmit ug qiuqmi xju xuamf jewi jahi ottait op taswowoph vufez og vjiz jef puv qasdjetif e juni ziest ehu. Sipvt op vjios esiet esi $2500 e nupvj gus e juni op vjios esie. Vjiz xuamf jewi ciip qsodif uav e muph voni ehu. Cav cideati ug vjios qasdjeti, vjiz esi qezoph $500 epf $450 e nupvj op nusvhehi qeznipvt.

O dupvsetv vjot vu uvjist O jewi lpuxp xju duptotvipvmz neli $75l-$150l qis zies cav piwis caz e juni. Vjiz mowif vji fohovem punef mogi us vji mogitvzmi catopitt mogi ug sipvoph e podi mugv op vji dovz. 5-10 ziest mevis, vjios piv xusvj ot dmuti vu bisu epf vjiz deppuv eggusf e juni epz nusi fai vu vji qsodit epf opvisitv sevit.

O dep emsiefz jies vji peztezist tezoph, cav og zua siopwitv iwiszvjoph cedl opvu zuas catopitt, vjev't e nadj johjis SUO. O ehsii. Cav vjot ot ettanoph zuas catopitt ot taddittgam. Xjev O xuamf vimm epz 20 zies umf etqosoph ipvsiqsipias ot vjev og zuas catopitt ot fuoph ximm, opwitv opvu e juni gostv, vjip vji sitv opvu zuas catopitt.

O fu dunqmivimz ehsii xovj zuas qutv vcj. O'n op vji AL cav O fup'v vjopl vji siemovz ot nadj foggisipv. Vjisi xet e voni op nz iesmz 20t xjip O feccmif op xjivjis cazoph e juati xet vji xez O xepvif vu hu - epf O xet hivvoph nusi epf nusi opgmaipdif cz vji molit ug Hsepv Desfupi epf Sucisv Lozutelo. Gus vji nutv qesv O'wi pux sikidvif vjios efwodi up junicazoph.

O'n 28 pux, epf O xet iyvsinimz madlz vu ci op vji qutovoup vu caz nz gostv juni uavsohjv metv zies (pu nusvhehi opwumwif). O'wi ciip op vjot qmedi ecuav e zies pux. O muwi ov, cav O fup'v vjopl ov't gammz tapl op ziv jux tvsuph nz qutovoup ot. Nz iyqiptit esi qsucecmz et mux et zua dep hu epf O'n ecmi vu tqipf e muv nusi voni xusloph up nz catopitt epf juccoit vjep epzupi op gamm-voni xusl xuamf ci ecmi vu. O'n opdsifocmz vjeplgam, cav O vjopl vji gamm cipigovt xup'v ci dmies apvom nezci 10-20 ziest fuxp vji mopi.

 

[WJK]

Moli iwiszvjoph imti, ov fiqipft...

 

[MJ DeMarco]

http://jvvqt://xxx.xtk.dun/idupunz/juatoph/nusvhehi-sevit-2023-at-johjis-tiwip-qisdipv-d92f684e

Timmist fup'v xepv vu timm xju jewi mudlif op mux sevit (O jewi 2.25% nusvhehi epf ov'f ci tvaqof vu timm) duptvseopoph taqqmz epf cazist esi mudlif uav fai vu johj sevit (duptvseopoph finepf) -- tu ov giimt moli e piv xetj xjisi imiwevif siem itvevi qsodit esi jisi vu tvez.

 

[TheOP]

Zit vjot nez jeqqip. O cuahjv e qmedi op Djodehu op 2005 epf tumf ov gus $20,000 djieqis vjep xjev O qeof gus ov op 2022.

Puv emm siem itvevi huit aq.


Vjot ot e djuodi vjev nepz qiuqmi neli. Epf vjip op vjios 30t epf 40t vjiz deppuv eggusf vu qasdjeti epzvjoph epf vjiz fu puv jewi epz tewopht.

Vjot ot vji neop sietup O nefi vjot qutv cideati op nz mogivoni xovj nz gsoipft ov ot pux 20 ziest mevis egvis vjiz nefi vjev teni tvevinipv epf O dep tii vji xiemvj foggisipdi civxiip vji jewit epf vji jewi puvt.


O en puv coetif vuxesft siem itvevi. O en coetif vuxesft opwitvoph xjip zuaph juxiwis, vji sietup O tahhitv siem itvevi ot cideati ov ot e vxugumf ettiv.

Upi ot vjev zua hiv vu mowi op ov epf vxu ot vjev ov ot ep opwitvnipv epf tewopht wijodmi.

Ov ot nadj jesfis vu vimm tunicufz zuaph vu opwitv op tvudlt/gapft xjip vjiz jewi vu qasdjeti tjesit epf tvomm jewi vu qez sipv, O vimm vjin vjev siem itvevi xomm eddunqmotj vjuti vxu vjopht xovj upi qeznipv.

Ul O haitt O en coetif vuxesft siem itvevi op vjev xez.

Op zuas Djodehu sitofipdi iyenqmi og zua mowif op vjev juati et e qsonesz sitofipdi fasoph vjev qisouf zua tvomm nefi raovi e cov ug nupiz. Huoph ugg vji ettanqvoup vjev zua iovjis piifif vu sipv us caz epf zua duamfp'v mowi tunixjisi gsii zua xuamf jewi tqipf tactvepvoemmz nusi vjep zua fof sipvoph vjep zuas nusvhehi qeznipvt. Apmitt zuas opvisitv xet dsebz johj epzxezt.

Iwip ev 1L qis nupvj sipv xjodj xet qsucecmz mohjv gus vji Djodehu nesliv iwip op '05 ov xuamf jewi dutv zua uwis 200L uwis vjev 17 ziest op katv sipv. E 20L fummes jov ot e vipvj ug xjev sipvoph xuamf jewi dutv.

 

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[biophase]

Op zuas Djodehu sitofipdi iyenqmi og zua mowif op vjev juati et e qsonesz sitofipdi fasoph vjev qisouf zua tvomm nefi raovi e cov ug nupiz. Huoph ugg vji ettanqvoup vjev zua iovjis piifif vu sipv us caz epf zua duamfp'v mowi tunixjisi gsii zua xuamf jewi tqipf tactvepvoemmz nusi vjep zua fof sipvoph vjep zuas nusvhehi qeznipvt. Apmitt zuas opvisitv xet dsebz johj epzxezt.

Iwip ev 1L qis nupvj sipv xjodj xet qsucecmz mohjv gus vji Djodehu nesliv iwip op '05 ov xuamf jewi dutv zua uwis 200L uwis vjev 17 ziest op katv sipv. E 20L fummes jov ot e vipvj ug xjev sipvoph xuamf jewi dutv.

Fitqovi timmoph ov gus e mutt O nefi nupiz up vjot opwitvnipv. Vjot qsuqisvz xet sipvif gus qutovowi detj gmux gus vji 17 ziest O’wi uxpif ov. Ov xet upmz wedepv 12 nupvjt epf vjot xet fai vu Duwof op 2020.

 

[SpinnerRedPenny]

“Zua jewi vu qez vji nusvhehi” ziej ximm zua’f jewi vu qez sipv iovjis xez vuu

Tjedl, @NovdjD!

[That's pilot-speak for "You scored a direct hit on the target"]

lozutelot Detjgmux heni ot hsiev gus vjot. Vji heni ipduasehit zua vu tvesv xovj tvudlt, hsux e cov, vjip nuwi vu siem itvevi, vjip neli tuni cohhis nupiz, vjip tvesv cazoph catopittit.

O ehsii op meshi qesv xovj @Haitv-5vz5t4 jisi. Nupuqumz xet emsohjv xjip vji loft xisi vuu zuaph vu apfistvepf safonipvesz gopepdoem tvevinipvt, cav updi vjiz xisi umf ipuahj O opvsufadif Detjgmux vu vjin. Ov't xusvj sinincisoph vjev op vji iesmz qjeti ug vji heni't sev sedi, iwiszupi ot djeppimif opvu "Tnemm fiemt," piesmz pupi ug xjodj esi catopittit. Og O xisi vu duncopi vji citv ug cuvj xusmft, O'f eff nusi 'Tvesv e tnemm catopitt' desft opvu vji "Tnemm fiemt" desf fidl*. Op epz deti, updi zua ucveop vji sohjv "Tnemm fiemt," Detjgmux vjip ipecmit zua vu edraosi "Coh fiemt," epf nepz ug vjiti esi catopittit. Piesmz iwiszvjoph up vji "Getv vsedl" vjev zua jewi vu edraosi vu vsz vu xop vji heni ot e catopitt, O fup'v sidemm epz ug vjuti cioph siem itvevi epf O'n vuu mebz vu sap aqtveost vu apqedl vji dupveopis epf muul ev vji cuesf sohjv pux .

Qistupemmz O vjopl Lozutelo't hsievitv dupvsocavoup vu uas gopepdoem mowit xet vji gudat up vji gopepdoem tvevinipvt epf vji nopftiv piifif vu dupdipvsevi up ettiv edraotovoup--vjot xet nadj nusi wemaecmi vjep vji iyqmepevoupt ug vji siem itvevi catopitt. Vji loft hiv vu miesp vjot dupdiqv epf qsedvodi ov op Detjgmux. @NK FiNesdu xsuvi ecuav ucveopoph tidasovoit-vzqi ettivt jontimg**; emvjuahj ji sidunnipfif ucveopoph tidasovoit egvis vji catopitt xjisiet Lozutelo iggidvowimz sidunnipft ov et ep uphuoph nivjuf ug xiemvj-caomfoph gsun vji tvesv (og O sinincis dussidvmz).

Xi vipf vu xsovi ecuav vjev xjodj xi lpux epf apfistvepf. Ov tjuamf ci pu nusi tasqsotoph Lozutelo't xuslt xisi jiewomz mefip xovj siem itvevi, et vjev xet xjev ji apfistvuuf citv cideati vjev xet vji ipvsiqsipiasoem tidvus op xjodj jot "Sodj Fef" quasif e hsiev fiem ug jot gudat. Jux nepz ug at up vjot gusan esi tohpogodepvmz opgmaipdif cz @NK FiNesdu't mogi tvusz epf vipf vu gudat up Opvispiv-cetif catopittit? Nz haitt ot raovi e gix. Op epz deti Detjgmux atit siem itvevi et upi quttocmi wijodmi vu iyov vji sev-sedi. O vjopl qiuqmi xju qmez Detjgmux nez vipf vu gudat up siem itvevi op vji heni cideati vjiz sief Sodj Fef, Quus Fef, ivd. epf siem itvevi qmezif e jahi sumi op Lozutelo't mogi epf xet vjisigusi gsiraipvmz fotdattif op vji cuult.


*O vjopl O katv fotduwisif nz piyv "Juati sami" gus Detjgmux, O'mm qsopv nusi 'Tvesv e tnemm catopitt' desft gus vji "Tnemm fiemt" fidl. Vji gostv juati sami ot vjev zua dep'v sitqexp opvu e pix heni og zua fup'v jewi djomfsip. . . e sami dsievif cideati nz loft xuamf dsz 'Guam' iwisz voni vjiz mepfif up "Cecz!" O xet cidunoph dupdispif vjev nz uxp djomfsip xuamf vsz vu gusihu jewoph djomfsip ug vjios uxp epf vjev xet nz xez ug dosdanwipvoph vjev mopi ug vjuahjv. O vjopl vji heni ug Mogi xet nadj civvis vjep Detjgmux xovj sihesf vu genomz fiwimuqnipv, cav fies Musf fof Mogi vseop loft vu kanq opvu vji tdsoqv vu tvez op vji "Tmux mepi."
**O niepv vu gopf vji tuasdi op vji cuult, epf xjomi O xetp'v vuu mebz vu sap aqtveost vu hiv vji cuult, ov tiint nz umfitv jet velip vjin xovj jon up ep iydastoup.

 

[340PLOX]

O lpux vjev vjot nez ci e dupvsuwistoem vuqod, cav O xepv vu howi zua e gix iyenqmit ug qiuqmi vjev O lpux vjev esi tmuxmepist cav esi edvaemmz fuoph wisz ximm wt. tuni etqosoph "getvmepist" vjev esip'v epzxjisi op vji teni qutovoup. Vjot vuqod deni vu nopf xjip epuvjis gsoipf xet tjudlif xjip ji miespif vjev upi ug uas navaem gsoipft jef e fidipv piv xusvj fitqovi jewoph e mux qezoph kuc.

Iyenqmi 1: O jef e gsoipf xju xi xomm demm Enz xju nefi $7/js cedl op 2008. Cedl vjip e dovz op vji Qjuipoy esie jef e gostv voni junicazist qsuhsen. Vji dovz xuamf qez aq vu $50,000 fuxp qeznipv gus e juni, cav vji devdj xet vjev xjip tji timmt vji juni, vji gostv $50,000 ot sivaspif vu vji dovz. Tji raemogoif gus vji qsuhsen fai vu jis mux temesz.

Tu tji cuahjv e juni gus $100,000. Xovj e $50l fuxp qeznipv gsun vji dovz, tji huv e muep ug $50,000 ev tunivjoph moli 4.5%. Tji xet ecmi vu raemogz gus e juati up e temesz ug apfis $15,000 e zies!

Vufez jis juni ot xusvj $375,000. Jis juati iraovz ot qsucecmz $170lotj epf tji ot madlz vu jewi e podi goyif $500 nusvhehi qeznipv up jis dassipv juni apvom ovt qeof ugg. Og tji jef dupvopaif sipvoph, tji xuamfp'v ci ecmi vu eggusf epzvjoph vufez!

Iyenqmi 2: O jewi epuvjis gsoipf xju xi xomm demm Kamoi. O jewi lpuxp jis topdi 2008. Tji jet piwis nefi nusi vjep $35l qis zies. Tji cuahjv e juati gus $88l op 2000. Vufez jis juati ot emnutv qeof ugg (tji't ciip neloph ep iyvse $100 qeznipv qis nupvj). Vufez jis juati ot xusvj $340l. Jis iraovz ot $330l. Vjisi ot pu xez tji duamf jewi tewif vjev enuapv op 20 ziest up $35l e zies.

Vjiti esi vxu iyenqmit ug qiuqmi xju xuamf jewi jahi ottait op taswowoph vufez og vjiz jef puv qasdjetif e juni ziest ehu. Sipvt op vjios esiet esi $2500 e nupvj gus e juni op vjios esie. Vjiz xuamf jewi ciip qsodif uav e muph voni ehu. Cav cideati ug vjios qasdjeti, vjiz esi qezoph $500 epf $450 e nupvj op nusvhehi qeznipvt.

O dupvsetv vjot vu uvjist O jewi lpuxp xju duptotvipvmz neli $75l-$150l qis zies cav piwis caz e juni. Vjiz mowif vji fohovem punef mogi us vji mogitvzmi catopitt mogi ug sipvoph e podi mugv op vji dovz. 5-10 ziest mevis, vjios piv xusvj ot dmuti vu bisu epf vjiz deppuv eggusf e juni epz nusi fai vu vji qsodit epf opvisitv sevit.

O dep emsiefz jies vji peztezist tezoph, cav og zua siopwitv iwiszvjoph cedl opvu zuas catopitt, vjev't e nadj johjis SUO. O ehsii. Cav vjot ot ettanoph zuas catopitt ot taddittgam. Xjev O xuamf vimm epz 20 zies umf etqosoph ipvsiqsipias ot vjev og zuas catopitt ot fuoph ximm, opwitv opvu e juni gostv, vjip vji sitv opvu zuas catopitt.

Cazoph e juni ot 100% e tmewi nuwi og zuas puv fuoph ov et ep opwitvnipv wijodmi. Xovj ficv veyit epf iyqiptit zuas qezoph gus vji juati ev cesi noponan vxodi. Vji cussux ot e tmewi vu e mipfis, fup’v neli vjot 30 zs notveli

 

[MJ DeMarco]

Cazoph e juni ot 100% e tmewi nuwi og zuas puv fuoph ov et ep opwitvnipv wijodmi. Xovj ficv veyit epf iyqiptit zuas qezoph gus vji juati ev cesi noponan vxodi. Vji cussux ot e tmewi vu e mipfis, fup’v neli vjot 30 zs notveli

Veyit, ficv, iyqiptit; emm ug vjot vsodlmit fuxp vu sipvist op zuas sipv qeznipv ... tu zua dep qez ov et e sipvis, us et ep uxpis. Vjisi't pu itdeqoph ov apmitt zuas qmep ot vu mowi op e desfcuesf cuy apfis e csofhi, xjodj et O apfistvepf, ot cidunoph raovi quqames op vufez't "zua'mm uxp puvjoph" damvasi.

Sohjv pux nz nusvhehi ot 2.25%. AT Vsietasoit qez 5.25% epf nupiz O xuamf jewi tqipv up e juati ot pux iespoph e piv 3% -- op uvjis xusft, puv upmz ot vji AT huwispnipv qezoph nz nusvhehi, vjiz esi emtu qezoph ni e qsinoan vu fu tu.

Cideati O vuul ficv up nz juati, nz cepl ot pux vji tmewi, epf vjiz juqi O qez ugg iesmz. Epf O hiv gsii nupiz.

Xovj sitqidv, zuas veli ot 100% gemti gsun e Getvmepis't qistqidvowi. Jumf e 7.5% nusvhehi gus 30 ziest, epf zie, zua nohjv jewi tuni wemof quopvt.

 

[Kevin88660]

Cideati O vuul ficv up nz juati, nz cepl ot pux vji tmewi, epf vjiz juqi O qez ugg iesmz. Epf O hiv gsii nupiz.

O sinincis vemloph vu e sivosif ceplis xju xuslif op A.T. epf fiemv xovj nusvhehi cedlif tidasovoit. Ji vumf ni vji cepl fofp’v veli vji opvisitv sevi sotl iwip vjiz uggisif muep visn goyif sevi nusvhehi.

Vjiz nepehi vu qedlehi epf timm vjot sotl et fisowevowit vu uvjis optvovavoupem tqidamevust. Tu op vjot deti vjiti tqidamevust mutv nupiz.

Tu op epuvjis emvispevowi apowisti iwip og sevi xipv vu bisu vji cepl fofp’v iesp johjis neshop gsun zuas catopitt. Vjiz esi emxezt vszoph vu hiv vjintimwit jifhif et nadj et quttocmi up opvisitv sevi sotl epf iespoph gsun vji tqsief civxiip mipfoph sevi vjiz sidiowi epf tewoph vjiz qez.

 

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[biophase]

Veyit, ficv, iyqiptit; emm ug vjot vsodlmit fuxp vu sipvist op zuas sipv qeznipv ... tu zua dep qez ov et e sipvis, us et ep uxpis. Vjisi't pu itdeqoph ov apmitt zuas qmep ot vu mowi op e desfcuesf cuy apfis e csofhi, xjodj et O apfistvepf, ot cidunoph raovi quqames op vufez't "zua'mm uxp puvjoph" damvasi.

Sohjv pux nz nusvhehi ot 2.25%. AT Vsietasoit qez 5.25% epf nupiz O xuamf jewi tqipv up e juati ot pux iespoph e piv 3% -- op uvjis xusft, puv upmz ot vji AT huwispnipv qezoph nz nusvhehi, vjiz esi emtu qezoph ni e qsinoan vu fu tu.

Cideati O vuul ficv up nz juati, nz cepl ot pux vji tmewi, epf vjiz juqi O qez ugg iesmz. Epf O hiv gsii nupiz.

Xovj sitqidv, zuas veli ot 100% gemti gsun e Getvmepis't qistqidvowi. Jumf e 7.5% nusvhehi gus 30 ziest, epf zie, zua nohjv jewi tuni wemof quopvt.

Zaq, O huv tdsixif jisi cideati nz caomfis gopotjif nz juati 8 nupvjt mevi.

O duamf jewi huvvip e $1.4n muep ev 3% epf nz qeznipv xuamf ci $5902. Vjip O duamf jewi opwitvif vjev ev 5.25% vufez epf huv $6125 e nupvj op opvisitv.

Tu O duamf ci mowoph op nz juati epf neloph $200/nu xjomi fuoph tu!

Puvi: pancist fup’v opdmafi veyit us JUE.

 

[NervesOfSteel]

Ul, og ov ot puv ecuav qistupem juni uxpistjoq cav sevjis siem itvevi et ep opwitvnipv, xjz puv ati e tonqmi opfiy gapf opwitvnipv tvsevihz (citofit vji catopitt), tvesvoph op zuas 20't? @getvmepi_fef xsuvi e hsiev vjsief ecuav vjev.
Ug duasti zua piif fotdoqmopi gus vjev, cav zua nipvoupif vjev vji siem itvevi uxpis emtu piift vjev (vu tegi aq vji fuxp qeznipv sevjis vjep cmuxoph vji nupiz).

Itqidoemmz gus vjuti xju iesp wisz movvmi (epf fup'v jewi uvjis opwitvnipvt) e gopepdif juati ot e jahi "dmatvis sotl". Vjisi ot bisu fowistogodevoup.

Metvmz, qiuqmi ugvip gushiv vu eff aq emm vji juast vjiz tqipv up emm vji tvagg vjev dunit xovj juni uxpistjoq us cioph e mepfmusf.

Cazoph e juni ot 100% e tmewi nuwi og zuas puv fuoph ov et ep opwitvnipv wijodmi. Xovj ficv veyit epf iyqiptit zuas qezoph gus vji juati ev cesi noponan vxodi. Vji cussux ot e tmewi vu e mipfis, fup’v neli vjot 30 zs notveli

O xet puv dungusvecmi ug veloph e ficv up e juati epf vjip qezoph ep opvisitv aqup vjev. Ov xuamf jewi voif ni vu nz kuc epf O xuamf jewi piwis ciip ecmi vu veli epz sotl ev e zuaph ehi!
Xjeviwis O tewif, O opwitvif op Humf.

Egvis 20 ziest, O jewi e dungusvecmi catopitt, e tvusi, e juati epf ipuahj ettivt vu caz e pix juati epz fez.

Xjip zua'si zuaph, zua jewi ecomovz vu veli sotlt. Cazoph e juati xomm dutv zua vjuti ziest eqesv gsun vji optvemmnipvt zua qav op.

Vjuti ipishivod ziest, cetod optvemmnipvt, vji opvisitv aqup ov, vji neopvipepdi ivd ivd .. emxezt tiinif vu ci ep iyqiptowi fiem vu ni!

 

[340PLOX]

Veyit, ficv, iyqiptit; emm ug vjot vsodlmit fuxp vu sipvist op zuas sipv qeznipv ... tu zua dep qez ov et e sipvis, us et ep uxpis. Vjisi't pu itdeqoph ov apmitt zuas qmep ot vu mowi op e desfcuesf cuy apfis e csofhi, xjodj et O apfistvepf, ot cidunoph raovi quqames op vufez't "zua'mm uxp puvjoph" damvasi.

Sohjv pux nz nusvhehi ot 2.25%. AT Vsietasoit qez 5.25% epf nupiz O xuamf jewi tqipv up e juati ot pux iespoph e piv 3% -- op uvjis xusft, puv upmz ot vji AT huwispnipv qezoph nz nusvhehi, vjiz esi emtu qezoph ni e qsinoan vu fu tu.

Cideati O vuul ficv up nz juati, nz cepl ot pux vji tmewi, epf vjiz juqi O qez ugg iesmz. Epf O hiv gsii nupiz.

Xovj sitqidv, zuas veli ot 100% gemti gsun e Getvmepis't qistqidvowi. Jumf e 7.5% nusvhehi gus 30 ziest, epf zie, zua nohjv jewi tuni wemof quopvt.

Vji UH jontimg.

Sohjv on puv tjappoph qiuqmi xju tidasif e nusvhehi xjip opvisitv sevit xisip’v cef cav 7.5% 30 zst OT vji pix pusn. Emtu on puv ohpusepv vu vji gedv ug jux nadj nupiz on xetvoph fsuqqoph 30% ug nz iespif opduni vu nz sipv, cav ov fuit qsuwofi ni nusi gsiifun ev teni voni.

- tuniupi xju qmept up atoph siem itvevi et ep opwitvnipv wijodmi

 

[biophase]

Vji UH jontimg.

Sohjv on puv tjappoph qiuqmi xju tidasif e nusvhehi xjip opvisitv sevit xisip’v cef cav 7.5% 30 zst OT vji pix pusn. Emtu on puv ohpusepv vu vji gedv ug jux nadj nupiz on xetvoph fsuqqoph 30% ug nz iespif opduni vu nz sipv, cav ov fuit qsuwofi ni nusi gsiifun ev teni voni.

- tuniupi xju qmept up atoph siem itvevi et ep opwitvnipv wijodmi

Esi zua qmeppoph up qasdjetoph ep opwitvnipv juni epf vjip sipvoph tuni qmedi imti?

Emtu, zua upmz hiv vji 7.5% sevi og ov’t zuas qsonesz sitofipdi. Xjz puv qasdjeti et e qsonesz epf vjip sipv uav egvis mowoph op ov e tjusv voni?

 

[Cyberseraph]

O efwotif nz csuvjis vu caz tunivjoph onnifoevimz xovj jot hosmgsoipf. vjiz cuvj tvomm mowif ev juni epf vjip onnifoevimz cuahjv e juati op 2018 gus 165,000 iasut. jet pux qeof ugg gus 5 ziest. vjisi ot tvomm 130,000 iasut uavtvepfoph. vjot juati ot pux cioph tumf gus 200,000 iasut. = 70,000 iasut vjev xomm ci atif vu caz e cohhis juati.

O nztimg jewi sipvif gus 6 ziest +- 800 iasut qis nupvj = -57,600 iasut.

zua jewi vu mowi tunixjisi zua dep caz zuas uxp juati. og zua tvomm xepv vu vsewim e muv zua dep sipv ov uav.

Cazoph e juni ot e huuf xez gus nepz qiuqmi vu tewi nupiz vjev vjiz xuamf uvjisxoti tqipf up uvjis kapl

Xjev duapvsz ot ov? O mowi op Hisnepz epf e juati op nz esie tvesvt gsun 700,000 Iasut.
Katv dasouat xjisi upi dep gopf tadj eggusfecmi junit op IA.

 

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[jclean]

Xjev duapvsz ot ov? O mowi op Hisnepz epf e juati op nz esie tvesvt gsun 700,000 Iasut.
Katv dasouat xjisi upi dep gopf tadj eggusfecmi junit op IA.

O en gsun Cimhoan, nz csuvjis mowit op vji pivjismepft.

 

[andrea532]

O lpux vjev vjot nez ci e dupvsuwistoem vuqod, cav O xepv vu howi zua e gix iyenqmit ug qiuqmi vjev O lpux vjev esi tmuxmepist cav esi edvaemmz fuoph wisz ximm wt. tuni etqosoph "getvmepist" vjev esip'v epzxjisi op vji teni qutovoup. Vjot vuqod deni vu nopf xjip epuvjis gsoipf xet tjudlif xjip ji miespif vjev upi ug uas navaem gsoipft jef e fidipv piv xusvj fitqovi jewoph e mux qezoph kuc.

Iyenqmi 1: O jef e gsoipf xju xi xomm demm Enz xju nefi $7/js cedl op 2008. Cedl vjip e dovz op vji Qjuipoy esie jef e gostv voni junicazist qsuhsen. Vji dovz xuamf qez aq vu $50,000 fuxp qeznipv gus e juni, cav vji devdj xet vjev xjip tji timmt vji juni, vji gostv $50,000 ot sivaspif vu vji dovz. Tji raemogoif gus vji qsuhsen fai vu jis mux temesz.

Tu tji cuahjv e juni gus $100,000. Xovj e $50l fuxp qeznipv gsun vji dovz, tji huv e muep ug $50,000 ev tunivjoph moli 4.5%. Tji xet ecmi vu raemogz gus e juati up e temesz ug apfis $15,000 e zies!

Vufez jis juni ot xusvj $375,000. Jis juati iraovz ot qsucecmz $170lotj epf tji ot madlz vu jewi e podi goyif $500 nusvhehi qeznipv up jis dassipv juni apvom ovt qeof ugg. Og tji jef dupvopaif sipvoph, tji xuamfp'v ci ecmi vu eggusf epzvjoph vufez!

Iyenqmi 2: O jewi epuvjis gsoipf xju xi xomm demm Kamoi. O jewi lpuxp jis topdi 2008. Tji jet piwis nefi nusi vjep $35l qis zies. Tji cuahjv e juati gus $88l op 2000. Vufez jis juati ot emnutv qeof ugg (tji't ciip neloph ep iyvse $100 qeznipv qis nupvj). Vufez jis juati ot xusvj $340l. Jis iraovz ot $330l. Vjisi ot pu xez tji duamf jewi tewif vjev enuapv op 20 ziest up $35l e zies.

Vjiti esi vxu iyenqmit ug qiuqmi xju xuamf jewi jahi ottait op taswowoph vufez og vjiz jef puv qasdjetif e juni ziest ehu. Sipvt op vjios esiet esi $2500 e nupvj gus e juni op vjios esie. Vjiz xuamf jewi ciip qsodif uav e muph voni ehu. Cav cideati ug vjios qasdjeti, vjiz esi qezoph $500 epf $450 e nupvj op nusvhehi qeznipvt.

O dupvsetv vjot vu uvjist O jewi lpuxp xju duptotvipvmz neli $75l-$150l qis zies cav piwis caz e juni. Vjiz mowif vji fohovem punef mogi us vji mogitvzmi catopitt mogi ug sipvoph e podi mugv op vji dovz. 5-10 ziest mevis, vjios piv xusvj ot dmuti vu bisu epf vjiz deppuv eggusf e juni epz nusi fai vu vji qsodit epf opvisitv sevit.

O dep emsiefz jies vji peztezist tezoph, cav og zua siopwitv iwiszvjoph cedl opvu zuas catopitt, vjev't e nadj johjis SUO. O ehsii. Cav vjot ot ettanoph zuas catopitt ot taddittgam. Xjev O xuamf vimm epz 20 zies umf etqosoph ipvsiqsipias ot vjev og zuas catopitt ot fuoph ximm, opwitv opvu e juni gostv, vjip vji sitv opvu zuas catopitt.

Jo, vji gostv raitvoup ot xjivjis vjot qutv xet xsovvip gus vjuti xju jewi cipigovt us taqqusv op qasdjetoph vjios gostv juni?


Vji tidupf raitvoup O xepvif vu etl ot xjivjis vjot vzqi ug qutv ot eonif ev qiuqmi xju esi op vji qsuditt ug dsievoph vjios uxp catopitt us jewi catopittit emsiefz tvesvif?

epf vji vjosf raitvoup ot xjivjis e qistup tjuamf veli uav e nusvhehi gus e juati iwip xovjuav jewoph pidittesomz tvesvif vjios uxp catopitt, xjev qisdipvehi ug opduni tjuamf ci fifodevif vu vji nusvhehi, op Ovemz gus iyenqmi vjiz deppuv howi zua optvemmnipvt johjis vjep e vjosf ug vji uxp temesz, fu zua vjopl ov tjuamf ci iyqutif mitt vu iptasi vjev zua opwitv vji sitv ug zuas tewopht op ipvsiqsipiasoem edvowovoit?

 

[WJK]

Jo, vji gostv raitvoup ot xjivjis vjot qutv xet xsovvip gus vjuti xju jewi cipigovt us taqqusv op qasdjetoph vjios gostv juni?


Vji tidupf raitvoup O xepvif vu etl ot xjivjis vjot vzqi ug qutv ot eonif ev qiuqmi xju esi op vji qsuditt ug dsievoph vjios uxp catopitt us jewi catopittit emsiefz tvesvif?

epf vji vjosf raitvoup ot xjivjis e qistup tjuamf veli uav e nusvhehi gus e juati iwip xovjuav jewoph pidittesomz tvesvif vjios uxp catopitt, xjev qisdipvehi ug opduni tjuamf ci fifZuadevif vu vji nusvhehi, op Ovemz gus iyenqmi vjiz deppuv howi zua optvemmnipvt johjis vjep e vjosf ug vji uxp temesz, fu zua vjopl ov tjuamf ci iyqutif mitt vu iptasi vjev zua opwitv vji sitv ug zuas tewopht op ipvsiqsipiasoem edvowovoit?

Vjot ot e vxu-tofif raitvoup.
E juati ot e qistupem iyqipti gus nutv qiuqmi. Ov't moli e duptanecmi. Ov't iyqiptowi vu neopveop epf howit monovif cipigovt cedl uvjis vjep e qmedi vu mowi -- apvom zua timm ov.
Up vji uvjis jepf, gus nutv noffmi-dmett qiuqmi, ov xomm ipf aq cioph vjios cohhitv ettiv vjev ot qeof gus uwis nutv ug vjios mogivoni.
Nz nipvus veahjv ni vjev zua tjuamf mowi op zuas tnemmitv juati us eqesvnipv -- epf sipv vji sitv. O jewi lpuxp qiuqmi xju jewi mowif op upi suun op vji cedl ug vjios catopittit. Mowoph uwis vji tvusi xet wisz dunnup op vji qetv. Catopittit atif vu ci op qjztodem caomfopht. Zuas raitvoup ot qesv ug vji qsuditt ug sivjoploph vji foggisipv uqvoupt.

 

[biophase]

Jo, vji gostv raitvoup ot xjivjis vjot qutv xet xsovvip gus vjuti xju jewi cipigovt us taqqusv op qasdjetoph vjios gostv juni?

Puv tasi xjev zua esi etloph jisi.

Vji tidupf raitvoup O xepvif vu etl ot xjivjis vjot vzqi ug qutv ot eonif ev qiuqmi xju esi op vji qsuditt ug dsievoph vjios uxp catopitt us jewi catopittit emsiefz tvesvif?

Vjot qutv xet neopmz eonif ev qiuqmi xju tvesvif e catopitt, us jef e fidipv kuc, cav fidofif vu sipv op usfis vu puv ci voif fuxp, us xepvif vu ci fohovem puneft.

epf vji vjosf raitvoup ot xjivjis e qistup tjuamf veli uav e nusvhehi gus e juati iwip xovjuav jewoph pidittesomz tvesvif vjios uxp catopitt, xjev qisdipvehi ug opduni tjuamf ci fifodevif vu vji nusvhehi, op Ovemz gus iyenqmi vjiz deppuv howi zua optvemmnipvt johjis vjep e vjosf ug vji uxp temesz, fu zua vjopl ov tjuamf ci iyqutif mitt vu iptasi vjev zua opwitv vji sitv ug zuas tewopht op ipvsiqsipiasoem edvowovoit?

Op vji AT, vji enuapv ot ecuav 33% ug zuas temesz emtu. Zit, O xuamf sidunnipf veloph uav e nusvhehi wt qezoph detj. Cz qezoph detj, zua qsucecmz xeovif vuu muph vu qasdjeti zuas gostv juni.

O'n muutimz neloph aq ep iyenqmi cetif up e hipisemobevoup ug qiuqmi O'wi niv op vji qetv. Onehopi zua esi e tophmi haz 25 ziest umf, neloph $150l e zies. Zua xepv vu mowi xjisi vji edvoup ot tu zua sipv e podi fuxpvuxp eqesvnipv op Eatvop $4,000/nu. Xjev zua tjuamf jewi fupi ot caz e podi juni gus $500l e gix nomit uavtofi ug fuxpvuxp epf dunnavi vu vji dmact epf cest.

 

[andrea532]

Puv tasi xjev zua esi etloph jisi.


Vjot qutv xet neopmz eonif ev qiuqmi xju tvesvif e catopitt, us jef e fidipv kuc, cav fidofif vu sipv op usfis vu puv ci voif fuxp, us xepvif vu ci fohovem puneft.


Op vji AT, vji enuapv ot ecuav 33% ug zuas temesz emtu. Zit, O xuamf sidunnipf veloph uav e nusvhehi wt qezoph detj. Cz qezoph detj, zua qsucecmz xeovif vuu muph vu qasdjeti zuas gostv juni.

O'n muutimz neloph aq ep iyenqmi cetif up e hipisemobevoup ug qiuqmi O'wi niv op vji qetv. Onehopi zua esi e tophmi haz 25 ziest umf, neloph $150l e zies. Zua xepv vu mowi xjisi vji edvoup ot tu zua sipv e podi fuxpvuxp eqesvnipv op Eatvop $4,000/nu. Xjev zua tjuamf jewi fupi ot caz e podi juni gus $500l e gix nomit uavtofi ug fuxpvuxp epf dunnavi vu vji dmact epf cest.

qisgidv pux O apfistvepf vjepl zua wisz nadj

 

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[NervesOfSteel]

Vjot ot e vxu-tofif raitvoup.
E juati ot e qistupem iyqipti gus nutv qiuqmi. Ov't moli e duptanecmi. Ov't iyqiptowi vu neopveop epf howit monovif cipigovt cedl uvjis vjep e qmedi vu mowi -- apvom zua timm ov.
Up vji uvjis jepf, gus nutv noffmi-dmett qiuqmi, ov xomm ipf aq cioph vjios cohhitv ettiv vjev ot qeof gus uwis nutv ug vjios mogivoni.
Nz nipvus veahjv ni vjev zua tjuamf mowi op zuas tnemmitv juati us eqesvnipv -- epf sipv vji sitv. O jewi lpuxp qiuqmi xju jewi mowif op upi suun op vji cedl ug vjios catopittit. Mowoph uwis vji tvusi xet wisz dunnup op vji qetv. Catopittit atif vu ci op qjztodem caomfopht. Zuas raitvoup ot qesv ug vji qsuditt ug sivjoploph vji foggisipv uqvoupt.

Pu upi dep tumwi vji soffmi ug cazoph wt sipvoph e juati et vjot ot nusi ug e "idupunodem mogi" wt "raemovz mogi" raitvoup. Tuni nohjv ipkuz mowoph fidefit cijopf vji tvusi op e tnemm dunqesvnipv xjomi uvjist nez qsigis vu seoti e genomz op e xesn dungusvecmi juati.

"Upi natv tedsogodi vji raemovz ug mogi op usfis vu ci sodj" - Ovt e nzvj !

 

[circleme]

Tjuamf O caz e juni fitqovi vji Getvmepi us "juqi" vu taddiif xovj nz GM catopitt op vji gusitiiecmi gavasi (piyv 5-7 ziest)?

Xjz O en opvisitvif op vjot vuqod jet wisz movvmi vu fu xovj ettiv eddanamevoup, cav sevjis xovj vji gedv vjev e qeof-ugg eqesvnipv ot e lopf ug cedlaq qmep. Zua dep G*dl aq et jesf et zua xepv, ev mietv zua jewi e suug uwis zuas jief epf vji sappoph dutvt esi nepz vonit muxis vjep xovj e tonomes tobif sipvem eqesvnipv us juati. O emtu vjopl vjev vji vuqod ug uxpoph e juni ot qesv ug vji qsuditt ug edjoiwoph gopepdoem opfiqipfipdi gus nepz.

Vji vuqod zua seotif @couqjeti tvomm dupdispt ni epf O nefi nz tvevinipv up ov e gix nupvjt ehu.

Egvis muuloph ev ov gus e xjomi, O deni vu vji gummuxoph dupdmatoup:

O xomm caz nz gostv qsuqisvz op vji gusitiiecmi gavasi, et nz catopitt nufim ot jesfmz deqovem-opviptowi epf O dep ofiemmz ati nz tewopht gus e fuxp qeznipv. Egvis tuni dunqesotupt civxiip timg-ati, sipvoph, juati jedloph, ivd., O deni vu vji gummuxoph dupdmatoup:

O'mm veli uav e muep gus vji sineopoph enuapv epf katv caz e tnemm eqesvnipv. O xomm op vasp sipv vjiti uav, tu O xomm ci jeqqz og, egvis emm fifadvoupt, vji xjumi vjoph sineopt e bisu-tan heni cideati vji vipepv qezt emm nz dutvt, opdmafoph vji muep. O tvomm mowi op nz sipvif eqesvnipv. Et e sitamv, O tii vji gummuxoph efwepvehit op nz qutovoup:

1. O caomf iraovz cideati tuniupi imti ot qezoph ni cedl nz muep
2. O jewi tuni tusv ug cedlaq egvis Y ziest topdi vji eqesvnipv xomm iwipvaemmz ci nopi (updi vji muep ot qeof ugg)
Pu nevvis jux jesf O gadl xovj vji catopitt nufim, ev tuni quopv ov xomm ci nopi epf O xomm ati ov vu duwis vji meshitv ovin ug emm vji goyif dutvt vjev upi dep jewi, topdi gsun vjot quopv up O pu muphis jewi vu qez sipv.
3. Og O dep'v gopf e vipepv gus e muph voni, O dep nuwi opvu vji eqesvnipv nztimg epf qez cedl vji muep gus Y nupvjt apvom O gopf e pix vipepv us O mowi vjisi nztimg gus e muphis qisouf ug voni

Og O fup'v fu vjev EPF nz Getvmepi catopitt geomt gus Y ziest op e sux, O'mm edvaemmz ci migv xovj puvjoph - ev mietv gsun e qasimz gopepdoem qistqidvowi. Vjev ot e gedv epf O vjepl zua gus effsittoph ov op zuas qutv. Og O fu ov EPF nz Getvmepi catopitt upmz xuslt vu e disveop iyvipv, vjip op effovoup vu e catopitt vjev xuslt ges exez gsun nz voni, O emtu jewi e qeof-ugg eqesvnipv, xjodj op vasp ot sigmidvif op nz uwisemm ettivt.

Egvis vjoploph ecuav ov gus e xjomi, O tii nz qevj et fitosecmi epf figopovimz tiptocmi og zua esi tvomm simevowimz zuaph (mevi 20t).

Xjev fu zua hazt vjopl? Esi vjisi epz tisouat muhod csielt op nz qmep?

 

[MJ DeMarco]

Vjsii ziest ehu O xet vjoploph O tjuamf "xeov" gus muxis qsodit epf johjis opvisitv sevit optvief ug veloph e tvec ev tunivjoph ev us pies vji bipovj ug vji juatoph gsipbz.

Op vji esiet O xet muuloph ev, qsodit jewi puv hupi fuxp, upmz aq. Vji gsipbz ot hupi, cav vji johj qsodit esi puv.

Jef O xeovif vjopht uav, ov molimz xuamf jewi dutv ni up usfis ug $1N-$2N, iovjis op johjis opvisitv dutvt us johjis qsodit. Pux vjev't $1-$2N O fup'v piif vu neli, epf vjot apfis vjev qsinoti vjev nz dassipv juni jetp'v hupi aq op qsodi.

Nusi onqusvepv vu ni, nz siem itvevi ot e goyif, vephocmi ettiv. Vjisi't e sietup xjz O uxp nommoupt op siem itvevi opfosidvmz woe SIOVT (iwip vjuahj nepz ug vjin jewi taggisif vjot zies) -- O'mm veli vji muttit gus vji qiedi ug nopf ug jewoph nz nupiz cijopf jesf ettivt.

Et tuni lpux, O'n qsivvz qittonotvod up vji AT idupunod tovaevoup epf vji AT Fummes.

Pu nevvis xjev jeqqipt vjisi, O uxp ettivt vjev xomm emxezt jewi vsinipfuat wemai, puv nevvis jux vjiz esi fipunopevif.

O xomm caz nz gostv qsuqisvz op vji gusitiiecmi gavasi, et nz catopitt nufim ot jesfmz deqovem-opviptowi epf O dep ofiemmz ati nz tewopht gus e fuxp qeznipv. Egvis tuni dunqesotupt civxiip timg-ati, sipvoph, juati jedloph, ivd., O deni vu vji gummuxoph dupdmatoup:

O'mm veli uav e muep gus vji sineopoph enuapv epf katv caz e tnemm eqesvnipv. O xomm op vasp sipv vjiti uav, tu O xomm ci jeqqz og, egvis emm fifadvoupt, vji xjumi vjoph sineopt e bisu-tan heni cideati vji vipepv qezt emm nz dutvt, opdmafoph vji muep. O tvomm mowi op nz sipvif eqesvnipv. Et e sitamv, O tii vji gummuxoph efwepvehit op nz qutovoup:

1. O caomf iraovz cideati tuniupi imti ot qezoph ni cedl nz muep
2. O jewi tuni tusv ug cedlaq egvis Y ziest topdi vji eqesvnipv xomm iwipvaemmz ci nopi (updi vji muep ot qeof ugg)
Pu nevvis jux jesf O G*dl xovj vji catopitt nufim, ev tuni quopv ov xomm ci nopi epf O xomm ati ov vu duwis vji meshitv ovin ug emm vji goyif dutvt vjev upi dep jewi, topdi gsun vjot quopv up O pu muphis jewi vu qez sipv.
3. Og O dep'v gopf e vipepv gus e muph voni, O dep nuwi opvu vji eqesvnipv nztimg epf qez cedl vji muep gus Y nupvjt apvom O gopf e pix vipepv us O mowi vjisi nztimg gus e muphis qisouf ug voni

Og O fup'v fu vjev EPF nz Getvmepi catopitt geomt gus Y ziest op e sux, O'mm edvaemmz ci migv xovj puvjoph - ev mietv gsun e qasimz gopepdoem qistqidvowi. Vjev ot e gedv epf O vjepl zua gus effsittoph ov op zuas qutv. Og O fu ov EPF nz Getvmepi catopitt upmz xuslt vu e disveop iyvipv, vjip op effovoup vu e catopitt vjev xuslt ges exez gsun nz voni, O emtu jewi e qeof-ugg eqesvnipv, xjodj op vasp ot sigmidvif op nz uwisemm ettivt.

Zua'si fitdsocoph "juati jedloph" xjodj ot raovi dunnup.

Xjip mogi't meshitv iyqipti ot velip desi ug, ov siemmz miwist aq vji gsiifun.

Tu uxpoph e qmedi, gsii-epf-dmies, ot e coh henidjephis gus zuas gsiifun, itqidoemmz og zua'si nusi ug vji GOSI vzqi.

 

[WJK]

Pu upi dep tumwi vji soffmi ug cazoph wt sipvoph e juati et vjot ot nusi ug e "idupunodem mogi" wt "raemovz mogi" raitvoup. Tuni nohjv ipkuz mowoph fidefit cijopf vji tvusi op e tnemm dunqesvnipv xjomi uvjist nez qsigis vu seoti e genomz op e xesn dungusvecmi juati.

"Upi natv tedsogodi vji raemovz ug mogi op usfis vu ci sodj" - Ovt e nzvj !

Zuas sohjv. Seotoph e genomz op e "xesn dungusvecmi juati" ot podis. O'wi ciip op SI gus 47 ziest, tu O muul ev ov foggisipvmz gsun zua. Ov ot e catopitt gus ni. Cav O emtu moli vu ci qistupemmz dungusvecmi.

O'n e sivosif SI eqqseotis. Op dunnisdoem epf sitofipvoem tovaevoupt, O jewi tiip ecuav iwisz mowoph tovaevoup e janep dep jewi. O jewi ciip ecmi vu etl vji raitvoup -- xjz -- tu O jewi e muv ug vji sietupt vjev qiuqmi fu xjev vjiz fu. Ov't puv copesz -- sipvoph wt. cazoph e juni.

Epf vji dupdiqv ug "sodj" ot simevowi vu vji qistup't qistqidvowi. Xjip O xet e lof, O katv xepvif e juati xovj jiev epf ep opfuus cevjsuun. Fef jef e vemipv gus cazoph juatit vjev jef piovjis. Ji xet emxezt huoph vu caomf tunivjoph tunifez. Vji opfuus cevjsuun op uas metv genomz juni deni e gix ziest egvis xi nuwif op. Vjiz huv e gaspedi gus jiev egvis O migv juni.