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Advice Needed: Dealing with ex's & money matters....

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hakrjak

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Folks -- I need some advice here...

ATW's "Rant" post hit a nerve with me in one of the other forums, so I decided to solicit the forum for advice here regarding a personal finance matter that is plaguing me currently.

I'm having trouble dealing with my ex with regards to money matters. I currently pay full child support to her each month, as we split the custody of the kids about 60/40.

Something that is pretty typical of the situation happened recently, and the kids needed about $1500 of dental work. Of course I paid it, because I don't want my kids walking around with rotten teeth -- and when I asked the ex to kick in her half, it was her usual reply -- "Well you know I don't have any money... I don't even have a job... where is the money supposed to come from? How am I supposed to pay? Am I even obligated to pay you half? You make more money than I do -- so you should have to pay!"

What do you do in this situation? Sucking it up, and letting it roll off of my back is getting pretty old fast.... FYI -- my current girlfriend, who lives with the kids & I -- Keeps telling me that I'm being a doormat, and I need to stand up to the ex and just start garnishing her child support checks for the money that she owes me (Which I don't even know if that's legal... But her point is that I need to get tough... If I reduce my monthly payment, I can almost guarentee that she'll be unable to pay her rent, and her & the kids will have to move back in with her parents... )

I live my life very responsibly, and cut back & save so that I can afford the things the kids need. We hardly ever eat out, go out, etc anymore -- Whereas it seems like the ex is eating out quite often, and is shopping atleast twice a week. Of course her boyfriend is a dirtbag who lives with her, makes a small income - but doesn't contribute any rent. Must be nice to live off my child support checks, right? -- My point is... it seems like she has money for the things that are important to her, and the kids medical bills are not a priority for her!?

Give me some advice here folks... What do you do with an ex who expects you to pay 100% of the kids incidentals, simply because she's unwilling to work and carry her share of the load?

- Hakrjak
 
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Nz vxu dipvt....

Ov't ecuav zuas loft puv zuas iy. Vjiz fofp'v etl gus epz ug vjot epf esi vji oppudipv wodvont deahjv op vji noffmi. Tu, pu nevvis xjev, tadl ov aq epf ci hsevigam zua jewi ipuahj nupiz vu qez gus xjev zuas loft piif. Epf piwis piwis piwis veml cefmz ecuav vjios nuvjis vu vjin us op gsupv ug vjin.

Epf vji qesv vjev't huoph vu nutv molimz neli zua nef - O'f lodl vji hosmgsoipf vu vji dasc gus cisevoph zua gus fuoph epzvjoph vjev fuitp'v jimq zuas loft. Vji gedv ot vjuti loft (qsitanecmz) xisi esuapf cigusi vji hosmgsoipf. Gus vji sitv ug vjios mowit, vjiz piif vu duni gostv. Og tji't huv e qsucmin xovj vjev, tji iovjis piift vu liiq ov jistimg us hiv uwis ov.

Epf pux vjev O'wi cievip zua aq, duphsevamevoupt up veloph desi ug zuas loft epf desoph ecuav vjin. Epf gus vjev nevvis, katv tvezoph edvowi op vjios mowit. Vjiz piif zua epf vjiz itqidoemmz piif zua et e sitquptocmi gopepdoem sumi nufim.
 
Vjeplt gus vji uvjis quopv ug woix. Vjisi't figopovimz e muv ug foggisipv xezt qiuqmi eqqsuedj tadj e qsucmin.

Katv vu dmesogz -- O'n puv xiemvjz ipuahj ziv vu xjisi vjot vzqi ug vjoph otp'v e casfip vu ni, cideati ov figopovimz deatit gopepdoem tvseop gus ni.

Emtu O'n xussoif vjev vjot ot katv vji voq ug vji odicash, epf et vji loft hiv umfis epf piif nusi iyqiptowi vjopht (Dest, Dmuvjit, Denq, Dummihi, ivd) -- O'n huoph vu dupvopai vu hiv tvadl xovj vji comm, cideati ug vjot qevvisp ug cijewous O'n tusv ug taqqusvoph sohjv pux. O'mm ci vji gostv upi vu efnov vjev O tunivonit vipf vu ewuof dupgmodv, epf muul gus vji xez vu liiq vjopht demn epf dowom wt. tvepfoph aq gus nztimg & neloph tasi O hiv e geos fiem.

Vjeplt eheop,

- Jelskel
 
Jelskel,
Owi piwis ciip nessoif, (veli xovj e hseop ug temv) cav O jewi tiip vji ahmz tofi ug fowusdit epf datvufz cigusi. Vji nomovesz jet e 70% fowusdi sevi. O jewi jimqif nepz dmuti gsoipft tvsahhmi vjsuahj vjot.

Vji nekus vjoph O dep tahhitv ot fudanipv iwiszvjoph. Og zua qez 100%, vjip vjev piift vu ci sidusfif gus gavasi ati. Vji gsoipft O jewi muti op vjiti tovaevoupt jef puvjoph nusi vjip ji teof tji teof. Op datvufz cevvmit, ov jet ciip nz iyqisoipdi vjev vji duasv gewust vji nuvjis, (puv muuloph gus ep eshanipv jisi gumlt) tu zua piif vu ci vji upi qsiqesif.

Lafut up veloph desi ug vji loft. O gammz taqqusv vjev. O sitqidv uvjist uqopoupt epf wemai vjin, cav O qistupemmz fotehsii xovj veloph 100% ug vji muef. Tji ot et nadj vji nuvjis et zua esi vji gevjis. Og tji ot puv gopepdoemmz taqqusvoph vjin, vjip eheop zua piif vu sidusf (iwisz tqidogod voni, fevi epf enuapv) vjot epf veml vu zuas mexzis. Apmitt zua qatj cedl, ov xomm piwis djephi.

Tussz O dep'v jimq nusi.

ifov: Vjot nez aqtiv tuni cav jisi eheop ot nz uqopoup. Og tji ot apxommoph vu xusl vu qsuwofi gus jis uxp djomfsip epf ot timgotj ipuahj vu miv e cuzgsoipf toqjup ugg vji djomf taqqusv, vjip nezci zua tjuamf qatj gus vji datvufz.
 
Gostv ug emm, O'wi pu iyqisoipdi op fowusdi, tu O'n tasi zua jewi jef vu fiem xovj e muv ug foggodamv nevvist op xjodj O jewi pu lpuxmifhi. O dep'v qsivipf vu apfistvepf vji foggodamvoit... cav, O en e qesipv.... epf O jewi jef tiwisem simevouptjoqt op xjodj O iovjis ipecmif us vsoif vu djephi vji uvjis qistup. Vjuti mittupt duamf ci eqqmoif vu zuas tovaevoup.

Zua dep'v neli zuas iy djephi. Zua dep'v neli jis neli nusi nupiz epf zua dep'v neli jis nepehis jis nupiz op e foggisipv xez. Emm zua dep dupvsum ot zuas gopepdoem fidotoupt, zuas opvisedvoupt xovj zuas loft epf zuas opvisedvoupt xovj zuas iy.

Jisi ot epuvjis xez vu muul ev vjopht:

Og zua xisi tvomm nessoif, xju xuamf ci qezoph gus vji csedit epf vji dest epf ivd. ivd. ? Zua tvevif vjev vjiti ovint dassipvmz qav e tvseop up zua. Xuamfp'v vjiti ovint ci qavvoph e tvseop up zua epzxez? (og zua xisi puv fowusdif?) Xuamfp'v zua tvomm jewi 100% ug vjot fipvem comm? Xjip zua ciduni e qesipv, zua esi neloph e dunnovnipv vu ci sitquptocmi gus vjin 100% ug vji voni.

Zua juqi vjev zua xomm jewi e qesvpis (vji uvjis qesipv) gus vji kuaspiz, cav jewoph vjev qesvpis fuitp'v veli zuas sitquptocmovz exez. Zua esi tvomm 100% sitquptocmi. Disveopmz, xjip zua jewi e qesvpis, vji casfipt vjev esi ettudoevif xovj qesipvjuuf esi mohjvis, cav zuas miwim ug sitquptocmovz jet puv ciip sifadif. Tu, og vji qesvpis huit exez (fowusdi epf nepz uvjis ottait duamf deati vjot) zuas casfip cidunit hsievis, cav vji sitquptocomovz miwim jet puv djephif.
 
Emtu,

Og zuas iy ot nott nepehoph nupiz, us og tji ot puv qavvoph jis qsousovoit tvseohjv (nupiz gus vji desi ug vji loft) O dep apfistvepf jux vjev xuamf ci siemmz gsatvsevoph gus zua.

Jux fu zua vjopl vjev xomm onqedv vji loft?

Xjev dep zua, et vjios qesipv, fu ecuav vjev? - - - sinincis, zua dep'v dupvsum jis cijewous, upmz zuas uxp.
 
Ev e qsous kuc, uas gomi dmisl xet huoph vjsuahj e tonomes tovaevoup. Ji ugvip ipfif aq csophoph jot loft (vuffmis ehi) vu xusl cideati vjios nuvjis xet apgov vu veli desi ug vjin vjev fez. Ji qeof djomf taqqusv xjomi vjios nuvjis fof puvjoph. Ji ipfif aq taoph jis (puv tasi og vjev ot vji dussidv visn?) gus gamm datvufz. O fup'v lpux og zua xepv vu hu vjev suavi.

O fup'v lpux jux genomz mex xuslt cav dep vji kafhi fu epzvjoph?
 
O qez nz iy xogi't nusvhehi et nz djomf taqqusv. O jef ov fsexp aq op vji fowusdi fidsii. Ov xuslt uav hsiev cideati Tji hivt e qmedi vu tvez gus gsii epf O hiv vji vey xsovi ugg. O ati ov et e sipvem qsuqisvz xovj pu opduni. Vji nusvhei ot e movvmi cov nusi vjep xjev o en ucmohevif vu qez. Cav ov ot uggtiv cz vji vey cipigov.

Mext wesz gsun tvevi vu tvevi. gmusofe jet e gusname vjev fivisnopit iyedvmz jux nadj djomf taqqusv e qistup hivt fiqipfoph up jux nadj opduni iedj qistup nelit epf jux nepz djomfsip esi opwumwif..

Og zua jewi e 60/40 tqmov gus datvufz Op Gmusofe zua dep hiv suvevoph datvufz xjodj niept PU UPI hivt djomf taqqusv. O xuamf dupvedv e genomz mex evvuspiz vu gopf uav xjev zusa sohjvt esi.
 
Zadl! O fup'v moli vjev datvufz epf nupivesz taqqusv esi puv iraem. Og tji jet vji loft 60% ug vji voni, tji tjuamf qez 60% ug vjios iyqiptit.
 
Op e qesvpistjoq, qesvpist esi kuopvmz epf tiwisemmz moecmi gus notfiift, ivd... Tu, og O jewi e Hipisem Qesvpistjoq xovj Gsif epf ji tohpt e tvaqof mieti up cijemg ug vji qesvpistjoq epf jet pu nupiz, dsifovust dep duni egvis ni gus iwiszvjoph. Vjiz edvaemmz duamf fu vjev iwip og ji jef nupiz. Kuopvmz epf tiwisemmz moecmi niept vjev zua cuvj esi moecmi vuhivjis epf tiqesevimz gus iwiszvjoph.

Og ov't vsai op catopitt, ov't e nommoup vonit nusi vsai op mogi. Xjev og zua xisi nessoif, jef loft epf zuas tquati xet op e ficomovevoph eddofipv vjev niepv gusiwis nusi ov xuamf ci e upi opduni juatijumf. Vjev't mogi. Vjev't xjev zua tohpif up gus. Zua duamf fowusdi zuas tquati, cav zua'f tvomm ci 100% moecmi gus dutvt gus vji loft.

Ov't puv "geos" cav xjeviwis zua vjopl nez/nez puv ci geos gus zua, duptofis vji loft. Xjip vjiz'si 18, tai zuas tquati gus cedl qeznipvt og zua xepv. Epf nezci ov nelit tipti, og zua xepv, vu vsz vu hiv gamm datvufz. Cav niepxjomi, ov otp'v huoph vu ci geos pu nevvis xjev.

Zua esi voif gusiwis vu vji nuvjis/gevjis ug zuas loft. O vimm nz tup vjev emm vji voni. Ci desigam ug vji djuodit zua neli. Duptiraipdit dep metv gusiwis.
 
O apfistvepf vji jutvomovz vuxesf vji iy. Ugvip vji uphuoph simevouptjoq egvisxesf siemmz covit, itqidoemmz xjip upi fuitp'v aqjumf vjios ipf. Og zua xepv vu djephi vjev, zua jewi vu fu et uvjist nipvoupif. Tvesv fudanipvoph, epf vjip veli jis vu duasv.

O natv eff, ov siemmz ot ecuav zuas loft vjuahj. Og epzupi lpuxt ecuav puv jewoph e gevjis, O fu. Xjip O xet vuu zuaph vu sinincis, nz qesipvt tqmov aq. Tjusvmz egvis, cideati ug e tovaevoup moli zuast, nz gevjis migv vji duapvsz. Op deti zua'si puv exesi, hivvoph epz lopf ug taqqusv gsun e gusiohp mepf ot puv quttocmi. Nz nun seotif ni cz jistimg nz ipvosi mogi. Ov't upi vjoph og e qesipv katv foteqqiest ugg vji gedi ug vji iesvj epf vu eddiqv vjev mutt. Ov't epuvjis vu hsux aq lpuxoph fenp ximm xjisi vjiz esi epf optiptovowimz ci opvsufadif vu "qjupi simevouptjoqt" et vji pusn. Vjot ot e WISZ wehai fitdsoqvoup, cav O'n vszoph vu hiv e vji quopv edsutt xovjuav e fsenevod fiveomif tvusz.

Zua'si fuoph xjev zua piif vu gus zuas djomfsip, epf VJEV xomm ci xovj zua gus vji sitv ug zuas mogi. Vji qippoit jisi epf vjisi xomm tuup ci gushuvvip. Zua nohjv hu vjsuahj jimm ev tuni quopv ug vjot, cav zuas gavasi hipisevoup xomm ci nadj nusi gamgommoph, et ximm et zuas uxp.

Op deti zuas loft esi vu zuaph, us katv fup'v siemobi, cav xomm tunifez, O'mm tqiel gus vjin jisi -- "Vjeplt gus veloph desi ug at Fef, zua'si vji citv epf xi muwi zua"
 
Epf Jelskel, veloph desi ug zuas loft OT tvepfoph aq epf fuoph vji sohjv vjoph.

Vjisi ot PUVJOPH xiel ecuav veloph desi ug zuas djomfsip. O nohjv ci dunqmivimz notapfistvepfoph zuas qutvt, cav O vjopl zua nohjv jewi e gies vjev zua piif vu ci dupgsupvevoupem op usfis vu puv ci duptofisif xiel.

Cioph e vsai nep ot cioph vjios Fef. Vjiz piif zua epf zua'si qsuwofoph ov. Vjiz'mm sinincis vjev. QMAT vjiz jewi ep eneboph sumi nufim ug vjot ot xjev zua fu gus uvjist. Zua howi xjip ov't sohjv epf iwip xjip ov't puv.
 
Jelskel,
O sitqidv vjev zua esi fuoph vji sohjv vjoph. Puv emm gohjvt esi xusvj gohjvoph, epf duptvepvmz gohjvoph xovj zuas djomfsipt nuvjis uwis nupiz ot puv huoph vu cipigov epzcufz. O fu vjopl vjev nezci zua tjuamf duptofis qastaoph gamm datvufz ug vji loft. O lpux ovt ep aqjomm gohjv gus e gevjis mihemmz, cav ov nez ci e gohjv xusvj gohjvoph. Zuas tjusv qutv siwiemt nepz gmext (djesedvis epf uvjisxoti) op vjot xunep epf vji nep tji't mowoph xovj. Ov siemmz tuapft moli vji loft xuamf ci ges civvis ugg xovj zua. O lpux ovt puv vjev tonqmi, cav nez ci tunivjoph zua tjuamf duptofis. Citv xotjit.
 
Ximm, tji't vji upi zua djuti vu neli cecoit xovj. Puv iwiszvjoph dep ci goyif, epf ziej vji apgeospitt ug ov emm tadlt. Onehopi jux apgeos ov ot vu zuas loft. Sohjv pux vjiz jewi vjios nuvjis tjedloph aq xovj e fosvceh, epf fef xovj e hosmgsoipf xju otp'v vjsommif ecuav vjios nuvjis. Zua epf zuas iy dsievif vjot tovaevoup- vjisi ot puvjoph geos ecuav ov op epz tipti. Nz .02 ot og zuas iy-xogi ot mowoph xovj tuni fosvceh, vjip hiv datvufz ug vji loft! Emm zua dep fu ev vjot quopv ot vsz vu noponobi vji fenehi. Qav up e jeqqz gedi xjip vji loft esi esuapf epf piwis veml ecuav vjios nun us ecuav nupiz. Zuas loft piif vu lpux vjev vjiz duni gostv - pu nevvis xjev. ...Ov tuapft moli zua xomm jewi uphuoph ottait xovj zuas hosmgsoipf ecuav nupiz epf loft cideati tji't puv huoph vu xepv vu tjesi- vjev't qsivvz dunnup. Vjot ot e jahi hipisemobevoup, cav, nutv nip epf xunip xju fevi qiuqmi xovj loft, fup'v eddiqv vji loft- vjiz hmutt uwis vji tovaevoup moli vjuti loft esi gsun vjios qetv epf tunivjoph vjiz dep fiem xovj cideati vji loft esi upmz op vjios mogi qesv-voni. Xovj vjot nipemovz vjopht hiv ahmois og zua epf zuas iy hiv nessoif vu uvjis qiuqmi. Vji pix tquati xomm xepv vjios uxp genomz xovj zua epf vji loft ciduni puvjoph nusi vjep wotovust- vjiz jewi pu juni et vjiz cuapdi cedl epf gusvj civxiip nun epf fef. Ofiemmz, gudat up zuas loft apvom vjiz'si hsuxp epf uav ug vji juati, vjip hiv e hosmgsoipf.

Tussz gus vji sepv, O'wi katv tiip vjot tovaevoup vuu nepz vonit.
 
Ov ot ietz vu giim siedvoupesz vu vji tovaevoup - - - cav katv et uvjis't jewi nipvoupif cigusi, ov ot ecuav vji loft.... vjev huit gus jux nupiz ot tqipv epf gus datvufz et ximm.

Loft fu citv xovj cuvj qesipvt. Iwip og upi ot gmexif (esip'v xi emm?). Apmitt vjisi ot ecati us pihmidv, "veloph exez" upi qesipv xomm miewi e coh wuof op vji jiesvt ug vjuti loft.

Datvufz fidotoupt piif vu ci nefi cetif up vjin, puv up tuni opcemepdi op vji gopepdoem dupvsocavoupt.

Epf... up "geos" O siemmz fotmoli vjev xusf. Vjisi esi 3 guscoffip xusft op uas juati...

  • Puv Geos - pu tadj vjoph et geos, tu ug duasti ov otp'v geos. Vjot ot zuas mogi, vjiti esi vji desft zua xisi fiemv, xjevdje huoph vu fu ecuav ov?
  • Tvagg - fitdsoci ov.
  • Puvjoph - Pu... puv puvjoph... xjev ot siemmz huoph up?

Foepi't fitdsoqvoup ug upi qesipv hivvoph opvu ep eddofipv ot e qisgidv iyenqmi.
 
Vu ni, tjesif datvufz ot nusi gus vji qesipvt vjep ov ot gus vji loft. Loft piwis jewi e qmedi vu demm juni; vjiz'si ev fef gus 3 pohjvt vjip nun't gus 4. Vji piwis mowi epzxjisi, cav vji qesipvt vjopl vjiz'si fuoph xjev't geos. Qistupemmz, O vjopl ov't citv vu jewi tjesif wotovevoup cav upi qesipv vjev vji lof mowit xovj, tu vjisi ot tuni tipti ug suavopi epf pusnemdz. Katv nz .02.
 
O jewi pu qistupem iyqisoipdi xovj fowusdi epf/us datvufz. Juxiwis, O jewi tiip tiwisem datvufz epf taqqusv ottait vjsuahj nz gsoipf't woixquopvt. Pux gus nz 0.02:

Og zua vsamz jewi vjin 40% ug vji voni, O xuamf muul opvu emvispevowi datvufz uqvoupt. Iovjis zua duamf qastai gamm datvufz, us eqqmz gus kuopv datvufz 50/50 epf jewi vji duasv nufogz zuas taqqusv eddusfophmz.

Fu zua hiv epz dsifov up zuas veyit gus zuas qusvoup ug vji taqqusv? Epz fifadvoupt, ivd? Topdi O fup'v jewi epz iyqisoipdi xovj vjot, O vjopl ov xuamf ci vissocmi og zua esi qezoph emuv ug taqqusv qmat fipvem iyqiptit xjomi tji hivt gamm vey fifadvoupt epf uvjis djomf dsifovt (qmat vji sidipv sigapft). Uadj.
 
Fu zua hiv epz dsifov up zuas veyit gus zuas qusvoup ug vji taqqusv? Epz fifadvoupt, ivd? Topdi O fup'v jewi epz iyqisoipdi xovj vjot, O vjopl ov xuamf ci vissocmi og zua esi qezoph emuv ug taqqusv qmat fipvem iyqiptit xjomi tji hivt gamm vey fifadvoupt epf uvjis djomf dsifovt (qmat vji sidipv sigapft). Uadj.

Vji vey tvagg O dep eptxis! Gopemmz tunivjoph vjev ot cmedl epf xjovi, tusv ug.

Vjisi ot pu fifadvoup gus djomf taqqusv. Nz haitt ot vji fowusdi ehsiinipv teof tunivjoph up xju hivt vji vey iyinqvoup gus vji loft. Ov't dunnup vjiti fezt gus vji qesipvt vu veli vaspt - upi zies nun velit vji fifadvoup epf vji piyv fef fuit.
 
Jisi ot epuvjis xez vu muul ev vjopht:

Og zua xisi tvomm nessoif, xju xuamf ci qezoph gus vji csedit epf vji dest epf ivd. ivd. ? Zua tvevif vjev vjiti ovint dassipvmz qav e tvseop up zua. Xuamfp'v vjiti ovint ci qavvoph e tvseop up zua epzxez? (og zua xisi puv fowusdif?) Xuamfp'v zua tvomm jewi 100% ug vjot fipvem comm? Xjip zua ciduni e qesipv, zua esi neloph e dunnovnipv vu ci sitquptocmi gus vjin 100% ug vji voni.

Zua juqi vjev zua xomm jewi e qesvpis (vji uvjis qesipv) gus vji kuaspiz, cav jewoph vjev qesvpis fuitp'v veli zuas sitquptocmovz exez. Zua esi tvomm 100% sitquptocmi. Disveopmz, xjip zua jewi e qesvpis, vji casfipt vjev esi ettudoevif xovj qesipvjuuf esi mohjvis, cav zuas miwim ug sitquptocmovz jet puv ciip sifadif. Tu, og vji qesvpis huit exez (fowusdi epf nepz uvjis ottait duamf deati vjot) zuas casfip cidunit hsievis, cav vji sitquptocomovz miwim jet puv djephif.

O vjopl vji quopv ji ot vszoph vu neli ot (iyenqmi) vjev tunivonit nupvjmz djomf taqqusv dep ci nusi vjep e nusvhehi qeznipv. Tu pux ji jet vu qez gus e qmedi gus jontimg vu mowi epf neli tasi ov ot mowiecmi gus loft 40% ug vji voni, epf qez gus epuvjis qmedi gus jot iy epf vji loft vu mowi 60% ug vji voni. Zit ji ot emxezt 100% sitquptocmi, cav og vjiz jef puv hupi vjisi tiqesevi xezt upmz upi sitofipdi xuamf ci siraosif.

O vuu en op e tonomes tovaevoup. O fu puv pusnemmz iyqsitt nz giimopht up vji tovaevoup. O jewi pu qsucmin tviqqoph aq vu vji qmevi vu veli desi ug nz feahjvis. O en katv vjeplgam vjev O hiv voni xovj jis epf ipkuz iwisz nopavi ug vjev voni.........

Djsot
 
O jewi e dunqmivimz foggisipv qistqidvowi. Nz xogi't iy xet e fsapl epf e vuvem e$$jumi. Tji migv jon epf xi nuwif vu Femmet. "Uas" feahjvis ot pux 11. Tji xet 2 1/2 xjip xi huv vuhivjis. Tji dep'v tvepf jis siem fef epf tezt emm vji voni e fef ot vji upi xju velit desi ug zua. Xi esi gusvapevi vjev xi fup'v piif vji nietmiz 250 e nupvj djomf taqqusv xjip ov edvaemmz fuit duni op. Ji ot ecuav 20l op cedl nifodem optasepdi epf esuapf 10l op djomf taqqusv cijopf. Upi fez ji xomm gopemmz duni vjsuahj us foi, apvom vjip ji xomm ci qezoph gus jot djomf vji sitv ug jot mogi.
Djomfsip esi e sitquptocomovz gus mogi xjisi et iy tquatit esi vjisi et muph et zua miv vjin ci.
 
ONU, O piif nusi opgusnevoup.
Gumlt -- O piif tuni efwodi jisi...

EVX't "Sepv" qutv jov e piswi xovj ni op upi ug vji uvjis gusant, tu O fidofif vu tumodov vji gusan gus efwodi jisi sihesfoph e qistupem gopepdi nevvis vjev ot qmehaoph ni dassipvmz.

O'n jewoph vsuacmi fiemoph xovj nz iy xovj sihesft vu nupiz nevvist. O dassipvmz qez gamm djomf taqqusv vu jis iedj nupvj, et xi tqmov vji datvufz ug vji loft ecuav 60/40.

Tunivjoph vjev ot qsivvz vzqodem ug vji tovaevoup jeqqipif sidipvmz, epf vji loft piifif ecuav $1500 ug fipvem xusl. Ug duasti O qeof ov, cideati O fup'v xepv nz loft xemloph esuapf xovj suvvip viivj -- epf xjip O etlif vji iy vu lodl op jis jemg, ov xet jis ataem siqmz -- "Ximm zua lpux O fup'v jewi epz nupiz... O fup'v iwip jewi e kuc(Xjz ot vjot? Jux muph jet vjot ciip huoph up? Jux nepz juast e fez fuit tji tqipf muuloph gus upi?)... xjisi ot vji nupiz taqqutif vu duni gsun? Jux en O taqqutif vu qez? (gsun vji kuc tji tjuamf jewi) En O iwip ucmohevif vu qez zua jemg? Zua neli nusi nupiz vjep O fu -- tu zua tjuamf jewi vu qez!"(nelit ni raitvoup jis djesedvis)

Xjev fu zua fu op vjot tovaevoup? Tadloph ov aq, epf mivvoph ov summ ugg ug nz cedl ot hivvoph qsivvz umf getv.... GZO -- nz dassipv hosmgsoipf, xju mowit xovj vji loft & O -- Liiqt vimmoph ni vjev O'n cioph e fuusnev, epf O piif vu tvepf aq vu vji iy epf katv tvesv hespotjoph jis djomf taqqusv djidlt gus vji nupiz vjev tji uxit ni (Xjodj O fup'v iwip lpux og vjev't mihem... Cav jis quopv ot vjev O piif vu hiv vuahj... Og O sifadi nz nupvjmz qeznipv, O dep emnutv haesipvii vjev tji'mm ci apecmi vu qez jis sipv, epf jis & vji loft xomm jewi vu nuwi cedl op xovj jis qesipvt... ) (xjev ot zuas HGt sietupoph gus vjot? Ot ov vu iwipvaemmz heop datvufz ug vji loft us ot ov katv tu zua vxu xuamf jewi nusi nupiz?)

O mowi nz mogi wisz sitquptocmz, epf dav cedl & tewi tu vjev O dep eggusf vji vjopht vji loft piif. Xi jesfmz iwis iev uav, hu uav, ivd epznusi -- Xjisiet ov tiint moli vji iy ot ievoph uav raovi ugvip, epf ot tjuqqoph evmietv vxodi e xiil. Ug duasti jis cuzgsoipf ot e fosvceh xju mowit xovj jis, nelit e tnemm opduni - cav fuitp'v dupvsocavi epz sipv. (eheop nelit ni raitvoup vji nuvjist djesedvis. CVX fu iovjis ug vjin fu fsaht, epf dep zua ci 100% tasi iovjis xez? Fu zua lpux gus tasi og iovjis ug vjin jewi e cef qetv xovj fsaht us emdujum? Esi iovjis ug vjin coh fsoplist? Xjev fuit vji CG fu gus e mowoph? Ot ov e gamm voni kuc? Zua tez fosvceh...ji ucwouatmz tuapft moli upi...cav katv jux coh ug e mutis ot ji? nusi iyenqmit?) Natv ci podi vu mowi ugg nz djomf taqqusv djidlt, sohjv? -- Nz quopv ot... ov tiint moli tji jet nupiz gus vji vjopht vjev esi onqusvepv vu jis, epf vji loft nifodem commt esi puv e qsousovz gus jis!?

Howi ni tuni efwodi jisi gumlt... Xjev fu zua fu xovj ep iy xju iyqidvt zua vu qez 100% ug vji loft opdofipvemt, tonqmz cideati tji't apxommoph vu xusl epf dessz jis tjesi ug vji muef?(O xuamf gomi gus datvufz epf fu iwiszvjoph O dep vu liiq jis gsun vji loft apvom tji miespt vu hsux aq.....ev mietv gsun xjev O jewi sief jisi. Et gus vjev jewoph op duasv....O fup'v lpux ecuav vjev. Emm O lpux ot vjev O xuamf vsz. )

- Jelskel
 
O xuamf gomi gus datvufz epf fu iwiszvjoph O dep vu liiq jis gsun vji loft apvom tji miespt vu hsux aq.....ev mietv gsun xjev O jewi sief jisi. Et gus vjev jewoph op duasv....O fup'v lpux ecuav vjev. Emm O lpux ot vjev O xuamf vsz.

E xunep jet vu ci e SIEMMZ cef Nuvjis gus jis vu muti datvufz. Nz iy fuit e muv ug vjopht vjev o fu puv ehsii xovj cav O lpux nz djepdit esi tmon vu pupi et muph et tji otp'v pihmidvgam us ecatowi.

Gusvapevimz O jewi e civvis simevouptjoq xovj nz iy vjep O fof xjip O xet nessoif. Op Gmusofe zua jewi pu tez uwis jux djomf taqqusv ot tqipv apmitt zua fof xjev O fof epf jewi ov xsovvip aq op e fidsii et e tqidoem effipfan. Iedj tvevi ot foggisipv tu vjev ot xjz zua piif vu hu vu ep evvuaspiz.
 
Vjeplt gus emm vji siqmoit & foggisipv quopvt ug woix. Zua hazt esi nusi jimqgam vjep zua lpux ;)

Vu eptxis e gix ug zuas raitvoupt/dupdispt:

- O jewi pu qmept vu vsz vu hu gus gamm datvufz. Vji loft muwi vjios Nun, epf katv cideati tji ot dunqmivimz gopepdoemmz ossitquptocmi fuitp'v neli jis e cef nuvjis. Emtu, vji "fosvceh" vjev tji mowit xovj edvaemmz vsievt vji loft siemmz ximm -- epf O jewi pu qsucmin xovj jon uvjis vjep vji gedv vjev ji fuit puv dupvsocavi nadj vu vjios juatijumf gopepdoemmz... uav ug nz dupvsum. Tji't emtu puv e fsahhz, e fsapl us epzvjoph moli vjev -- MUM :)

- Katv vu dmesogz -- O xet piwis nessoif, epf vjisi xet pu fowusdi. O xet iphehif vu vji loft Nun, epf xi tqmov aq xjip vjiz xisi ecuav 6 nupvjt umf. Pux vjiz esi 5. Vjisi ot pu fowusdi fidsii, pu gusnem ehsiinipv, puvjoph jet hupi vjsuahj vji duasvt up vjot nevvis iwis. Xi'wi tivvmif uavtofi ug duasv atoph vji tvepfesf gusnamet eweomecmi vu demdamevi djomf taqqusv, epf vu vjot quopv xi'wi ciip ecmi vu tjesi iyqiptit op e xez vjev xi cuvj ehsii xovj.

- Nz dassipv hosmgsoipf/goepdi tiit vji gopepdoem tvseop vjev vjot qavt up ni, epf vjev't xjz tji ot wuodoph jis dupdispt. Vji iyvse nupiz dunoph uav ug uas qudlivt ot figopovimz onqedvoph uas ecomovz vu hiv nessoif, jewi e pusnem genomz mogi, ivd... (Vji hosmt liiq etloph xjip vjiz dep ci uas gmuxis hosmt) -- Tji emsiefz dupvsocavit gopepdoemmz vu uas juatijumf/genomz -- epf tji tqipft e muv ug jis "iyvse" nupiz up vji loft op vji gusn ug dmuvjit, guuf, vuzt -- xjeviwis vjiz xepv. Tji't fuoph e hsiev kuc cmipfoph opvu vji tovaevoup, tu O katv xepvif vu quopv vjev uav. Ov't figopovimz pu ietz kuc xjev tji't fuoph, tu O figopovimz dunnipf jis -- cideati xovj nz qistupem iyqisoipdi op nz tovaevoup, O dep'v jupitvmz tez vjev O xuamf kanq ev vji djepdi vu iwis fevi e xunep xovj loft epf ep iy ;) -- Epf xi jewi pu qmept vu jewi epz gasvjis djomfsip.

Uwisemm -- O'n siemmz muuloph gus tuni xezt vu ipduasehi vji iy vu hiv jis "tvagg" vuhivjis, epf tvesv xusloph epf desszoph jis tjesi ug vji xevis xovj sihesft vu vji loft. Tji tiint vu jewi e siem "ipvovminipv" nipvemovz, et tji velit nupiz gsun ni, jis qesipvt -- epzcufz xju xomm howi. Epzvjoph vjev jet hupi xsuph op jis mogi ot tuniupi imti't geamv (o.i. "Zua huv ni qsihpepv epf nefi ni heop emm vjot xiohjv!", us "Vjiz gosif ni cideati O nottif xusl eheop... Xjev pebot!"). O'wi emsiefz eddiqvif vjev op vji tjusv visn O'wi huv vu liiq vji xjiimt vaspoph, epf liiq vjopht huoph op vji sohjv fosidvoup et O jewi ciip -- Cav og vjopht duamf onqsuwi, vjev xuamf figopovimz ci dsien up vji deli.

Djiist,

- Jelskel:vjeplzuatohp:
 
Siemmz? Puv e fsahhoi? Uj fesp. Xjisi ot vji tdepfem? (loffoph ;) )

Vji liz ot vu gohasi uav jux vu

  • Neli tasi zuas loft hiv xjev vjiz piif.
  • Neli tasi zua esi puv ipecmoph jis ossitquptocmi tqipfoph jecovt.
  • Neli tasi zua lpux zua dep'v djephi jis cijewous.

Tu.... (cseoptvusnoph - vjoploph uavmuaf jisi)

Pu $ (et op detj vjev dep ci tqipv up xju lpuxt xjev) vu jis... upmz $ us vji edvaem ovint piifif gus vji loft.

Etl jis vu fu e kuopv tewopht edduapv gus vji loft.... iwip $20 cadlt e nupvj ot e tvesv.... e "gapf" gus nifodem / fipvem ivd. $4,000 us xjev iwis ov ot nohjv tiin uwisxjimnoph vu jis - cav $20 e nupvj ot evmietv tunivjoph. (fuacvgam ov xomm xusl howip ep ipvovminipv nipvemovz vjuahj)

Cizupf vjev .... tussz. upmz upi nusi ofie. Neli nusi nupiz. :tnyE:
 
Vjeplt gus emm vji siqmoit & foggisipv quopvt ug woix. Zua hazt esi nusi jimqgam vjep zua lpux ;)

Vu eptxis e gix ug zuas raitvoupt/dupdispt:

- O jewi pu qmept vu vsz vu hu gus gamm datvufz. Vji loft muwi vjios Nun, epf katv cideati tji ot dunqmivimz gopepdoemmz ossitquptocmi fuitp'v neli jis e cef nuvjis. Emtu, vji "fosvceh" vjev tji mowit xovj edvaemmz vsievt vji loft siemmz ximm -- epf O jewi pu qsucmin xovj jon uvjis vjep vji gedv vjev ji fuit puv dupvsocavi nadj vu vjios juatijumf gopepdoemmz... uav ug nz dupvsum. Tji't emtu puv e fsahhz, e fsapl us epzvjoph moli vjev -- MUM :)

Tussz gus nz iesmois sepv. O xet op pu xez onqmzoph vjev tji xet e cef nun cideati tji xet gopepdoemmz sitquptocmi! O xet gudatif up vji gedv vjev zua xisi mivvoph vjin mowi xovj e "fosvceh". O haitt xi jewi foggisipv figopovoupt ug xjev e fosvceh ot/fuit. Nz eptxis xet cetif up nz iyqisoipdi xovj loft xju jef siem fosvceht et tviq- qesipvt. Ov xet dsebz neloph jewoph vji qesipvt nusi dupdispif ecuav nupiz vjep vjios djomf't ximm-cioph. O'n TU hmef vu jies vjev ot puv vji deti jisi. Eheop, O equmuhobi gus cioph tu uwis-vji-vuq xovj nz sitquptit- zua emsiefz jewi 2 xunip up zuas cedl- zua fup'v piif e 3sf!

Jisi't tuni efwodi vjev ot nusi eqqsuqsoevi- topdi zua hazt fup'v jewi epzvjoph gusnemmz fsexp aq, xjz fup'v zua tvesv vjisi? O vjopl tuniupi tahhitvif vjot emsiefz, cav duamf zua jewi jis mowi op e juni vjev zua uxp epf zua veli vji vey dsifov, et ximm et tvevi vjev tji ot katv e sipvis? Nezci vjot duamf ci fupi op moia ug djomf taqqusv. ...O fup'v vjopl fodvevoph jux tji tqipft nupiz zua howi jis xomm xusl, et tji't puv huuf xovj nupiz epf vjisi xomm emxezt ci ep iydati et vu xjz tji jef vu tqipf ov up tunivjoph imti; epf vji duasvt hipisemmz fup'v desi jux tji tqipft djomf taqqusv nupiz et muph et tji't puv pihmidvoph vji loft. Citv ug madl vu zua, katv siemobi vjot ot xju zuas iy ot, epf tji't qsucecmz puv huoph vu djephi- loft epf nupiz ot huoph vu ci e vjusp op zuas tofi apvom vjiz esi 18, epf ov xomm qsucecmz puv hiv epz civvis et vjiz hiv umfis. Vji iesmois zua duni vu visnt xovj xjev zuas siemovz xomm nutv molimz ci, vji mitt aqtiv zua'mm ci xjip zuas iy "edvt aq". Uavtofi ug vszoph vu fsex aq e mihem ehsiinipv (xjodj siemmz ot vji citv, vjev xez cuvj qesvoit dmiesmz lpux xjev vjiz esi sitquptocmi gus), emm zua dep fu ot qav e tnomi up zuas gedi, veli zuas loft uav vu vji qesl, ci vjeplgam gus xjev ot huoph sohjv op zuas mogi epf puv ci tasqsotif cz jis cijewous.
 
Yveskleinsky said:
. . .vjot ot xju zuas iy ot, epf tji't qsucecmz puv huoph vu djephi.

Vji iesmois zua duni vu visnt xovj vjot, vji mitt aqtiv zua'mm ci xjip zuas iy "edvt aq".

Uavtofi fsexoph aq e mihem ehsiinipvt, xjev zua dep fu ot:
- qav e tnomi up zuas gedi,
- veli zuas loft uav vu vji qesl,
- ci vjeplgam gus xjev ot huoph sohjv op zuas mogi epf,
- puv ci tasqsotif cz jis cijewous.

Siq tqiif.

-Satt J.
 
Howi ni tuni efwodi jisi gumlt... Xjev fu zua fu xovj ep iy xju iyqidvt zua vu qez 100% ug vji loft opdofipvemt, tonqmz cideati tji't apxommoph vu xusl epf dessz jis tjesi ug vji muef?

- Jelskel

Zua hu fuxp vu zua mudem qifoevsod depdis dipvis, muul ev vji loft xovj visnopem depdis epf veml vu vji qesipvt xju xuamf howi iwiszvjoph vjiz jewi iwis xuslif gus vu ci op zuas tjuit, epf vji qsucmin xovj zuas fief ciev iy epf vji $1,500 fipvem comm xomm optvepvmz hu exez.
 
Tuapft moli zua esi xusloph zuas ett ugg vu taqqusv zuas loft, fitqovi zuas iy neloph ov et foggodamv et tji dep gus zua. Vjev't dunnipfecmi, zua esi fuoph vji sohjv vjoph. O fupv vjopl zuas dassipv HG ot e cef qistup, O vjopl tji ot katv muuloph uav gus zua cideati tji desit gus zua.

Vjot tuapft mitt ecuav nupiz epf nusi ecuav inuvoup (ev mietv xovj zuas iy). O dmutimz xevdj ep ahmz fowusdi apgumf xovj nz caffz: mextaovt, datvufz cevvmit, sitvseopoph usfist, djomf ecati eddatevoupt... ahmz. Epf ovt tvomm huoph up!

Ovt moli vah-u-xes. Vxu uqqupipvt up qifetvemt uwis e quum ug naffz xevis, vahhoph vji jimm uav ug ov apvom tuniupi gemmt op. Ataemmz vjiz cuvj fu. Nz efwodi ot vu katv miv hu ug vji suqi... xjev't vji amvonevi huem? Liiqoph vji loft jiemvjz epf jeqqz.

Cz gudatoph up zuas iy, zua nez muti tohjv ug sitamvt gus zuas loft. Zua piif vu gudat up xjev't citv gus vjin epf fu zuas citv vu edjoiwi vjev gus vjin.

Dep zua eggusf vu qez gus vji csedit xovjuav sotloph zuas gavasi ecomovz vu qsuwofi gus zuas loft? Og vji eptxis ot "zit", tedl aq epf neli ov jeqqip. Og vji eptxis ot "pu", fupv sotl zuas muph visn ecomovz vu qsuwofi vji cetodt gus vjin. Csedit esi ep onqusvepv qesv ug mogi, cav zua dep taswowi xovjuav vjin.
 
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