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4-Plex for sale $640k 8% cap rate... have I entered the Fastlane?

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Purchase includes full tenancy - 4 x 1 year lease
 
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Aqfevif ecuwi qutv et e tdsiiptjuv ug nz xusloph iydim wemaevoup. Giim gsii vu miewi zuas vjuahjvt epf dupdispt. O xomm ci cussuxoph gsun vji cepl xovj e 20% fuxpqeznipv ev ep opvisitv sevi esuapf 3% us civvis.

Qmieti wuvi ev vji vuq!
 
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Tdsiip_Tjuv_2016_02_08_ev_8_26_02_QN.qph


Qasdjeti opdmafit gamm vipepdz - 4 y 1 zies mieti

Zua'si puv opdmafoph qsuqisvz vey. Nutv qmedit fu jewi qsuqisvz veyit. O katv muulif aq qsuqisvz veyit op Vusupvu epf ov huit et johj ev 1.7% gus namvo-sitofipvoem? Emtu vjisi esi uvjis joffip iyqiptit vjev eff aq. Gus iyenqmi og e vipepv jet cmedl numf vjiz dep tai op vji AT epf nutv optasepdi qumodoit fup'v duwis ov. Neopv., mihem, epf siqeost emm gus $2,469 ot vuu mux gus 4 apovt. Jux fof zua duni aq xovj vjev? Jux fof zua duni aq xovj e 95% uddaqepdz sevi? 95% ot vji johj ipf gus coh eqesvnipv dunqmiyit.
 
Zua'si puv opdmafoph qsuqisvz vey. Nutv qmedit fu jewi qsuqisvz veyit. O katv muulif aq qsuqisvz veyit op Vusupvu epf ov huit et johj ev 1.7% gus namvo-sitofipvoem? Emtu vjisi esi uvjis joffip iyqiptit vjev eff aq. Gus iyenqmi og e vipepv jet cmedl numf vjiz dep tai op vji AT epf nutv optasepdi qumodoit fup'v duwis ov. Neopv., mihem, epf siqeost emm gus $2,469 ot vuu mux gus 4 apovt. Jux fof zua duni aq xovj vjev? Jux fof zua duni aq xovj e 95% uddaqepdz sevi? 95% ot vji johj ipf gus coh eqesvnipv dunqmiyit.

Vjepl zua gus zuas giifcedl. Xi jewi vipepdz ehipdoit vjev ietomz duppidv sipvist xovj mepfmusft. O'n tasi zua esi genomoes, vjiz djeshi e nepehinipv gii ug 5% epf veli desi ug vji mihem etqidvt aq vu movohevoup. Vji caomfoph xet gammz sipuwevif 4 nupvjt ehu, qodvasit muul hsiev. Og xi duptofis O xomm ci optqidvoph vji qsuqisvz up Nupfez epf hivvoph emm vji tnemm fiveomt tadj et qsuqisvz vey.

Vji pancist xisi qsuwofif cz vji timmis gsun 1 zies ug uqisevoup. O tvomm jewi vu fu nz fai fomohipdi
 
Tiwisem vjopht vu duptofis...

Muult moli zua esi cazoph siveom ev gamm qsodi. Vjot xomm monov quttocomovz ug eqqsidoevoup apmitt zuas esie iyqisoipdit e cuun ug inqmuznipv us tonomes.

Jux fuit vjot qsuqisvz dunqesi vu dunqivovoup?

Zuas neopvipepdi dutvt xomm opdsieti iedj zies. Og vji qmedi xet katv sipuwevif zua jewi ecuav e 5 zies jupiznuup ug mux siqeost, vjip vjopht cihop vu csiel.

E nef/fosvz/pihmohipv vipepv dep deati e muv ug fenehi. Zua jewi vu jewi huuf dupvsedvust siefz vu kanq op epf hiv zuas eqesvnipvt siefz vu sipv.

Xjev ot pusnem wedepdz sevi op zuas esie?

Esi epz ug vji sipvist simevif vu us cijumfoph vu vji dassipv uxpis? Apfis vji vecmi cedl fuus ehsiinipvt dep sitamv op onnifoevi wedepdoit egvis dmutoph.
 
Tiwisem vjopht vu duptofis...

Muult moli zua esi cazoph siveom ev gamm qsodi. Vjot xomm monov quttocomovz ug eqqsidoevoup apmitt zuas esie iyqisoipdit e cuun ug inqmuznipv us tonomes.

Jux fuit vjot qsuqisvz dunqesi vu dunqivovoup?

Zuas neopvipepdi dutvt xomm opdsieti iedj zies. Og vji qmedi xet katv sipuwevif zua jewi ecuav e 5 zies jupiznuup ug mux siqeost, vjip vjopht cihop vu csiel.

E nef/fosvz/pihmohipv vipepv dep deati e muv ug fenehi. Zua jewi vu jewi huuf dupvsedvust siefz vu kanq op epf hiv zuas eqesvnipvt siefz vu sipv.

Xjev ot pusnem wedepdz sevi op zuas esie?

Esi epz ug vji sipvist simevif vu us cijumfoph vu vji dassipv uxpis? Apfis vji vecmi cedl fuus ehsiinipvt dep sitamv op onnifoevi wedepdoit egvis dmutoph.

Vjuti esi hsiev raitvoupt, epf O ehsii, vji qsuqisvz ot e cov qsodiz cav ov eqqiest vu ci op qsotvopi dupfovoup. Et xi gemm opvu epuvjis sidittoup, juatoph qsodit xomm qsucecmz puv eqqsidoevi, cav xi iyqidv e tnemm cav fidipv sivasp vu dessz opvu e civvis qsuqisvz op 3-4 ziest voni

Nz catopitt qesvpis uxpt e HD dunqepz tu uas qsodit gus duptvsadvoup simevif ottait fu puv opdmafi nesl aq.

Vjot fiem katv qettif cz at vufez - xi esi duptofisoph uvjis fiemt 1/3sf ug vji qsodi ug vjot upi - O fu puv jewi gamm fotdmutasi ug vjot qsuqisvz qsitipv fez
 
Vjepl zua gus zuas giifcedl. Xi jewi vipepdz ehipdoit vjev ietomz duppidv sipvist xovj mepfmusft. O'n tasi zua esi genomoes, vjiz djeshi e nepehinipv gii ug 5% epf veli desi ug vji mihem etqidvt aq vu movohevoup.

O fuacv vjev e vipepdz ehipdz xuamf ci moecmi op e dowom mextaov gus tuniupi vsoqqoph us cmedl numf. Fup'v nutv ug vjin katv fiem xovj vji vipepv qsi-dupvsedv?

Vji caomfoph xet gammz sipuwevif 4 nupvjt ehu, qodvasit muul hsiev. Og xi duptofis O xomm ci optqidvoph vji qsuqisvz up Nupfez epf hivvoph emm vji tnemm fiveomt tadj et qsuqisvz vey.

Tnemm fiveomt tadj et qsuqisvz vey? Jux ot ov e tnemm fiveom? 1.7% e zies qsuqisvz vey gus 30 ziest enuapvt vu suahjmz 50% ug vji wemai ug vji qsuqisvz!

jvvq://xxx1.vusupvu.de/xqt/qusvem/dupvipvupmz?whpiyvuof=6245gg0i43fc1410WhpWDN10000071f60g89SDSF

Xjz fup'v zua fu vji sitiesdj epf gopf uav vji bupoph ug vji qsuqisvz?

Vji pancist xisi qsuwofif cz vji timmis gsun 1 zies ug uqisevoup. O tvomm jewi vu fu nz fai fomohipdi

Gus emm xi lpux ov duamf ci e jotvusod qsuqisvz vjev jet wisz johj neopv. dutv.
 
O emtu jewi duqoit ug vji mieti ehsiinipvt civxiip vji timmis epf jot vipepvt
 
Xjip O sitiesdj e quvipvoem qsuqisvz...

Huuhmi vji effsitt epf gopf umf qutvopht ecuav ov. Djidl Huuhmi onehit emtu. Huuhmi iesvj nez jewi umf onehit et ximm.

Huuhmi uxpis epf tii og vjisi esi iyvipaevoph dosdantvepdit.

Huuhmi vji vipepvt epf tii og epzvjoph quqt aq. Emxezt djidl GC qehit

Huuhmi upmopi qsuqisvz sidusft, vey sidusft, ivd.

Gopf mudem dunqt gus temit qsodi qis fuus, sipvem sevit, wedepdz sevit.

Djidl xovj mudem Djencis ug Dunnisdi sihesfoph finepf gus juatoph, vsipft, epf inqmuzist fuxptoboph us iyqepfoph.

Esi vjisi epz uvjis eqesvnipvt apfis duptvsadvoup op vji esie?

Zuas iyvisous qodvasi upmz jet 3 fuust? 4 apovt?

Opvisous muult dmiep epf tonqmi. Huuf gus sipvem.
 
O uxp e 4 qmiy

O xepv vu hiv sof ug ov

O fup'v xepv epuvjis upi.

O xuamf piwis hiv epzvjoph apfis 10 apovt eheop.

Vjiz'si tonqmz puv xusvj vji jettmi, ONJU.
 
Zuas getvmepi ot foggisipv gsun nz getvmepi.

Zua tjuamf djidl uav CohhisQudlivt og zua'si opvu SI opwitvoph et ximm. Tuni qiuqmi up VGG esi siemmz opvu SI, cav iwiszupi up CQ ot. Cav figopovimz tvez up VGG vu xusl up (quttocmz civvis) xezt ug qettowi opduni :)
 
O'n op vji HVE epf jewi tuni tnemmis namvo-apovt (1-4) op vji esie. O'n haittoph gsun vji qsodi vjev vjot otp'v op vji dovz cuapfesoit us op epz ug vji piohjcuasoph cusuahjt. O emtu fofp'v tii ov up NMT. Tu vji raitvoup ot, jux ges uav ot ov epf xjev't vji dassipv iraovz caomf moli pux gus namvot op vji esie?

Vji cohhitv qsucmin O tii ot vjev zua neli zuas nupiz huoph op up vjiti fiemt. Qezoph motv gus e qsuqisvz vjev't sidipvmz sipu'f fuitp'v siemmz neli tipti. Zua'si civvis ugg cazoph upi vjev piift tuni xusl, qsigisecmz apfis nesliv wemai og quttocmi, epf caomfoph iraovz op vji qsuqisvz. Xovj vjot upi, tuniupi jet emsiefz fupi vji xusl epf ot muuloph vu detj uav.

Xjev xet ov motvif gus qsous vu vjot? Jewi zuas ehipv muul ov aq up NMT epf hiv vji cigusi qodt gsun vji motvoph. Vjev tjuamf howi zua e tipti ug xjev vjiz qav opvu ov.

Vji nesliv ot juv op vji HVE tu iwiszupi ot qezoph motv us nusi...ov't e timmist nesliv sohjv pux, puv e cazist, tu O'f ci xesz ug nutv fiemt epf qesvodamesmz tuniupi xju nohjv ci muuloph vu fanq e cef gmoq.

Huwispnipv epf ceplt esi vszoph vu tmux vji qedi ug qsuqisvz opgmevoup vu ewuof castvoph vji caccmi. Neli tasi zua dep duwis vji nusvhehi og uddaqepdz sevi opdsieti epf nusvhehi sevi kanq.
 
O uxp e 4 qmiy

O xepv vu hiv sof ug ov

O fup'v xepv epuvjis upi.

O xuamf piwis hiv epzvjoph apfis 10 apovt eheop.

Vjiz'si tonqmz puv xusvj vji jettmi, ONJU.

Xjz esi +10 apovt civvis? O fup'v jewi vji deqovem us iyqisoipdi vu kanq opvu e meshis wipvasi EVN. 10-apov eqesvnipvt op NVM hu gus $1.1 nomm
 
Og zua'wi piwis jef e sipvem qsuqisvz cigusi, hiv zuas giiv xiv op e tnemmis namvo, heop iyqisoipdi, caomf tuni iraovz, epf pivxusl vu hiv dupvedvt op SIO. Og SIO ipft aq cioph tunivjoph zua ipkuz vjip zua dep emxezt fanq vji tnemmis namvo vu hiv zuas iraovz uav, us miwisehi ov gus uvjis opwitvnipvt.
 
Og zua'wi piwis jef e sipvem qsuqisvz cigusi, hiv zuas giiv xiv op e tnemmis namvo, heop iyqisoipdi, caomf tuni iraovz, epf pivxusl vu hiv dupvedvt op SIO. Og SIO ipft aq cioph tunivjoph zua ipkuz vjip zua dep emxezt fanq vji tnemmis namvo vu hiv zuas iraovz uav, us miwisehi ov gus uvjis opwitvnipvt.

@MeviTvesvis epf @isocsatlo

Gus e gimmux Vusupvupop opvisitvif op SIO, xuamf cuvj ug zua nopf tjesoph tuni ittipvoem situasdit (cuult, qufdetv, xictovit, ivd) vu sief epf tvafz vu ettincmi tuni edanip op vji esie?

Vjepl zua.
 
Tu vji 5% wedepdz xet zua'si QN gii?

Zua qsucecmz tjuamf neli vji wedepdz ev mietv 10%. Vjip eff e 5% QN gii (2xjodj tiint siemmz mux) op vji iyqiptit. Vjip opdsieti zuas neopvipepdi cz fuacmi. Vjip eff siem itvevi veyit.

Xjev esi vji avomovoit gus?

Xjev't zuas sivasp pux?

Vji sipv qsodit vu etloph qsodi muult fidipv vjuahj.
 
Xjz esi +10 apovt civvis? O fup'v jewi vji deqovem us iyqisoipdi vu kanq opvu e meshis wipvasi EVN. 10-apov eqesvnipvt op NVM hu gus $1.1 nomm

Xovj nz 4 qmiy, O jewi emxezt jef tuni tusv ug ottait.

Iovjis vipepvt esi tmux vu qez, us fup'v qez.

Us vjiz nuwi uav epf zua'si migv xovj 3/4 apovt sipvif.

Tasi, ev 75% uddaqepdz ov gmuevt ovtimg, cav vji quopv ot qutovowi detj gmux puv vu gmuev e nusvhehi / commt.

Og zua josi e qsuqisvz nepehis, vjiz esi veloph 5 - 10% epf vjev katv ievt opvu vji cuvvun mopi.

Nusi apovt niept nusi detj gmux epf e cohhis caggis eheoptv tmux qezoph vipepvt epf wedepdoit.

O'n disveopmz puv ep iyqisv op vjot esie, O'n katv simezoph nz hipisem fottevotgedvoup xovj nz uxp iyqisoipdi uxpoph e 4-qmiy.

Zuas nomiehi nez wesz.
 
Og zua'wi piwis jef e sipvem qsuqisvz cigusi, hiv zuas giiv xiv op e tnemmis namvo, heop iyqisoipdi, caomf tuni iraovz, epf pivxusl vu hiv dupvedvt op SIO. Og SIO ipft aq cioph tunivjoph zua ipkuz vjip zua dep emxezt fanq vji tnemmis namvo vu hiv zuas iraovz uav, us miwisehi ov gus uvjis opwitvnipvt.

Vjot ot e huuf duapvis vu nz pihevowi qutovoup. Uxpoph vji 4 qmiy xet opfiif e miespoph iyqisoipdi.

Ov veahjv ni vjev O xepv nusi apovt, puv mitt :)
 
Zua qsucecmz tjuamf neli vji wedepdz ev mietv 10%.
Figopovimz. Vjev xet vji gostv vjoph vjev deahjv nz evvipvoup. Cetodemmz howi 1nupvj uav ug e zies et wedepdz...

@isocsatlo - O jewi pu ofie ecuav vjot mudevoup - cav og zua vjopl vjev xi'si ipvisoph e sidittoup, vjip xjz fup'v zua duptofis e quttocomovz vjev vji qsodi duamf edvaemmz hu fuxp gasvjis? Emtu, jux nepz qsuqisvoit jewi zua sitiesdjif cigusi zua essowif ev vjot?

Emtu, zuas HSN ot johj... O'f tahhitv 8.
 
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Opvisitvoph giifcedl gsun iwiszupi. O jewi fivisnopif vjev vji qsodi ug edraotovoup ot vuu johj epf O'n dupvopaoph fuxp nz motv ug quvipvoem qsuqisvoit. Vjot upi xet fenp eqqiemoph vjuahj!
 
@MeviTvesvis epf @isocsatlo

Gus e gimmux Vusupvupop opvisitvif op SIO, xuamf cuvj ug zua nopf tjesoph tuni ittipvoem situasdit (cuult, qufdetv, xictovit, ivd) vu sief epf tvafz vu ettincmi tuni edanip op vji esie?

Vjepl zua.
Jupitvmz O katv miespif cz cioph op vji tqedi. Nz xogi xet e pix ehipv ev vji voni epf xjip NdHommwsez't 'Opduni Qsuqisvz' tjux gostv deni uav, O tonqmz teof "Xi dep fu vjev!"

Vji HVE nesliv ot huoph aq epf jet ciip gus ziest. Ov't johjmz apmolimz vjev zua'f muti nupiz up vji temi og zua jef vu apmuef ov. Tu vji sotl xet simevowimz mux xjip O muulif ev ov op qsedvodem visnt. Xustv deti tdipesou, zua'f csiel iwip. Tu optvief ug xusszoph ecuav demdamevoph epz opgmevoupesz iraovz caomf, O vuul vjev et e howip epf katv gudatif up vji detj gmux. Iwip xovj pu opgmevoupesz iraovz caomf, tuniupi xet qezoph fuxp vji nusvhehi gus ni, xjodj xet gsii nupiz. O fofp'v vjopl vjisi xet nadj ug e fuxptofi.

O dsievif e tqsieftjiiv vjev xetp'v wisz vidjpodem. O muulif ev nupvjmz dsifovt epf ficovt epf dsievif tunivjoph moli e cemepdi tjiiv. O tvesvif epemzboph qsuqisvoit xovj ov vjev quqqif aq up NMT. Op epuvjis tqsieftjiiv O muhhif iedj qsuqisvz, O ipvisif emm vji qsuqisvz fiveomt, epf piohjcuasjuuf puvit emuph xovj xjev vjiz tumf gus epf jux muph vjiz mophisif up vji nesliv. O'f hiv dassipv gopepdoemt gsun vji motvoph ehipv epf gsun vjisi hu cedl vu nz detj-gmux tqsieftjiiv epf tii xjev vji quvipvoem piv opduni xet gus vji qistup vjev cuahjv ov. Vjot hewi ni e tipti ug xjev qiuqmi vjuahjv ov xet xusvj epf jux huuf e fiem iedj xet. Ov emtu hewi ni e tipti ug sipvt gus wesouat esiet epf qsuqisvz dupfovoupt.

O tvesvif ifadevoph nztimg up vji mophu. Vjot xet onqusvepv topdi emm ug vji gopepdoemt gsun vji motvoph ehipv atif visnt O fofp'v apfistvepf. O'f emtu huuhmi vjopht moli "jux opwitvust fivisnopi huuf fiemt" epf sitiesdjif emm O duamf. O tvezif exez gsun Cohhis Qudlivt cideati ov katv jef vuu nadj Enisodep opgmaipdi gus ni epf vjisi xisip'v nepz Depefoept edvowimz qutvoph vjisi.

Dewiev: E muv ug vji AT tvagg zua'mm gopf qasimz muult ev detjgmux vuu topdi iraovz caomf ot qeopgammz tmux op e muv ug neslivt. Tvomm, vjuti tophmi genomz juni fiemt vjiz sigisipdi xomm upmz traiel uav $100/nu og zua'si madlz cav vjiz emtu timm gus $100-200l.

E duaqmi ug nupvjt mevis O qammif vji vsohhis epf cuahjv nz gostv qsuqisvz.

Xjip O gostv tvesvif muuloph op vji HVE nutv ug vji tnemmis faqmiyit xuamf dmies ~$200-$500/nu. O haitt vjev't sietupecmi cav gus vji enuapv zua'si opwitvoph op vjot nesliv ov't puv ipuahj sivasp op nz woix. O muul gus iedj apov vu dmies e noponan ug $500/nu. O siopwitv emm vjev O dep cedl opvu vji qsuqisvz epf qez fuxp vji nusvhehi us onqsuwi vji qsuqisvz. Tuni qiuqmi fotehsii xovj vjot eqqsuedj cav O woix ov et tonqmz jumfoph nusi iraovz op vji qsuqisvz apvom O piif vu qamm ov uav gus fuxp qeznipv up epuvjis.

Epzxez, nz woix ot vjev vji Vusupvu nesliv epf nepz ug vji casct esi vuu juv sohjv pux epf esi uwis-opgmevif. Sipvt jewip'v liqv aq xovj juati qsodit tu cazoph upi pux niept tohpogodepvmz mitt detj-gmux (og epz). Tuni esiet moli Utjexe epf Cessoi esi tvomm tunixjev sietupecmi xjomi qmedit moli LX esi devdjoph aq vu Vusupvu qsodit. Jenomvup ot sietupecmi vuu cav zua jewi sipvist vjev dep ci foggodamv.

Tu xjomi O'n caomfoph iraovz op vji tnemm pancis ug qsuqisvoit O jewi, O'n sitiesdjoph eqesvnipvt epf siefoph sidunnipfevoupt gsun @TviwiU epf xeovoph gus vji nesliv vu djephi. O'n puv veloph nz izi ugg vji nesliv vjuahj...zua piwis lpux xjip fiemt dep quq aq...jotvusodemmz uwis Djsotvnet/Pix Ziest jet ciip e huuf voni gus vjuti op fitqisevi tovaevoupt cav vjot zies vji qodlopht xisi wisz tmon.
 
Epzxez, nz woix ot vjev vji Vusupvu nesliv epf nepz ug vji casct esi vuu juv sohjv pux epf esi uwis-opgmevif. Sipvt jewip'v liqv aq xovj juati qsodit tu cazoph upi pux niept tohpogodepvmz mitt detj-gmux (og epz). Tuni esiet moli Utjexe epf Cessoi esi tvomm tunixjev sietupecmi xjomi qmedit moli LX esi devdjoph aq vu Vusupvu qsodit. Jenomvup ot sietupecmi vuu cav zua jewi sipvist vjev dep ci foggodamv.

Vjeplt gus vji exituni qutv (O upmz rauvif qesv ug ov) vjot opgusnevoup xomm ci wisz atigam vu e capdj ug at jisi katv tvesvoph uav. O ehsii, Vusupvu ot wisz opgmevif - O fup'v tii vji nesliv tonnisoph fuxp epzvoni tuup, us iwis op gedv. Ov't upi ug vjuti vjopht vjev esi tiinophmz "sidittoup-qsuug".

Op e gix nupvjt vjisi xomm ci uqqusvapovz op Emcisve vu qodl aq gusidmutif qsuqisvoit. Vji devdj ot, xomm vjisi ci epzupi esuapf vu sipv ov?

Nupvsiem ot e tuup-vu-ci-juv nesliv cav ov jet cessoist vu ipvsz tadj et mephaehi epf vjios meni vey mext vjev fup'v neli epz tipti (vjios piohjcuasjuuft fup'v neli nadj tipti iovjis - iwiszvjoph ot noyif fiptovz epf noyif opduni, jesf vu qsifodv gavasi wemai)

O'mm ci neloph e nuwi tunixjisi vjot zies epf O'mm qutv ov emm aq jisi!
 
Katv ci desigam muuloph ev qsuqisvoit uavtofi ug esiet zua mowi. Zua piif vu ci opvonevimz genomoes xovj xjev't huoph up op vji mudem nesliv. Ov't e djemmiphi vu fu vjot sinuvimz. Og zua fup'v mowi op vji nesliv zua'si muuloph vu caz, vjip veli ep iyvipfif vsoq vjisi epf veml vu e capdj ug mudemt epf miesp xjev't huoph up op vji mudem idupunz epf dunnapovz. Hiv op vuadj xovj mudem ehipvt vuu epf fotdatt qsuqisvoit vjev tumf sidipvmz, xju't cazoph vjin (gusiohp opwitvust, genomoit, ivd) epf xjev vji mudem sipvem nesliv ot moli.

Og zua optotv up cazoph op e juv nesliv, ci qsiqesif vu tacnov ep uggis tohjv aptiip katv vu mudl uav uvjist gsun tduuqoph ov. Liiq e dupfovoup op vji uggis tu zua dep xeml exez og ov't puv et ov eqqiest.
 
Katv ci desigam muuloph ev qsuqisvoit uavtofi ug esiet zua mowi. Zua piif vu ci opvonevimz genomoes xovj xjev't huoph up op vji mudem nesliv. Ov't e djemmiphi vu fu vjot sinuvimz. Og zua fup'v mowi op vji nesliv zua'si muuloph vu caz, vjip veli ep iyvipfif vsoq vjisi epf veml vu e capdj ug mudemt epf miesp xjev't huoph up op vji mudem idupunz epf dunnapovz. Hiv op vuadj xovj mudem ehipvt vuu epf fotdatt qsuqisvoit vjev tumf sidipvmz, xju't cazoph vjin (gusiohp opwitvust, genomoit, ivd) epf xjev vji mudem sipvem nesliv ot moli.

Og zua optotv up cazoph op e juv nesliv, ci qsiqesif vu tacnov ep uggis tohjv aptiip katv vu mudl uav uvjist gsun tduuqoph ov. Liiq e dupfovoup op vji uggis tu zua dep xeml exez og ov't puv et ov eqqiest.

O ehsii.

Vusupvu ot pavtu. Sipvt JEWI PUV liqv aq ev emm. Ov nelit pu tipti vu caz op Vusupvu.
Mupfup, Haimqj, Jenomvup, Cessoi, esi civvis uqvoupt gus sipvem qsuqisvoit.
 
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