Advice on Student Loan? what to do

[End_88]

Hi everyone,

Here we go, not this again you might think, but it's not a drastic situation but more a question of how can I resolve my debt with a well considered financial decision.

I have a similar question as "arfadugus" in the thead below but i didnt want to hijack it.
You tell me what to do. Need advice.

I dont know how to evaluate my situation to make a sound financial decision. (I dont think i'll be a fastlaner that soon)

I have a 5 figure college debt with (only) 0.12% interest. I have been paying it off @ 160 a month with the income of my 40hr /wk Job.

My parents offered to pay off the debt at once and that I pay them monthly instead of the lender.

And everything I pay back I can lend another time (only for things like housing or furniture when I move out)

So I have these options as far as I can think:

• I can pay off the debt with 160 a month (maybe more after a raise) until I buy a house or move out (then the loan is a heavy cut on your mortgage here) and use the excess amount that my parents offer to buy furniture / additional expenses.
• I can let my parents pay off the debt (so that I owe it to them) and pay them 160 a month. When I move out I can use the amount I payed them back to buy furniture or for additional expenses.

I really cant figure out how to compare these to situations and decide what's financially the wisest choice..

can anyone help?

 

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[Ascension]

Vjev fiqipft ipvosimz up xjev zua xepv.
Gsun e gopepdoem tvepfquopv gudatif qasimz up zuastimg vjisi xuamf ci pu sietup vu puv miv zuas qesipvt qez ugg vji ficv.
0% opvisitv dunqesif vu 0.12% epf vji uqvoup vu hiv e muep ev 0% eqqsuwif gus gaspovasi ivd. mevis up.

Gus zuas qesipvt vjuahj, vjot ot jussocmi. O'n tasi vjiz xuamf ci jeqqz vu jimq cav zua jewi vu etl zuastimg og zua siemmz xepv vjin vu veli up zuas ficv epf emm vji sotl opwumwif xovj ov. Ov nohjv ci vjev zua'si piwis ecmi vu qez vjin cedl epf iwip og zua fu, vjuti esi gowi gohasit vjiz duamfp'v ati gus inishipdzt, vjiz duamfp'v sidiowi opvisitv up epf vjiz duamfp'v ati vu ipjepdi vjios uxp mowit.

Ov nohjv ci vjev vjuti gowi gohasit onqedv zuas qesipvt tu movvmi us vjiz xepv vu jimq zua tu cefmz vjev vjiz esi jeqqois howoph zua vji nupiz cav O xuamf elt ug zua vu tisouatmz duptofis og vjev ot xjev zua xepv vu cimoiwi us xjev ot edvaemmz vji deti.

Uj epf emtu vjopl ecuav jux huuf zua'f giim puv simzoph up epzupi imti gus zuas ximm-cioph epf jux qsuaf zuas qesipvt xuamf ci tiioph vjios djomf hsuxoph timg-taggodoipv. Op vji ipf ov't (emnutv) iwisz qesipvt huem vu tii vjios djomfsip siedj e quopv xjisi vjiz pu muphis piif zua.

 

[Lex DeVille]

Vji citv vjoph O iwis fof xet tvuq simzoph up nz qesipvt vu jepfmi nz qsucmint. Ov xetp'v apvom O tvuqqif simzoph up uvjist vu goy tjov gus ni vjev O xet ecmi vu gohasi uav nz tovaevoup epf jux vu uwisduni ov.

Et vji tezoph huit, "cepfeoft fup'v goy cammiv jumit."

Vjisi't e muv ug xezt uav ug zuas tovaevoup. Ev mietv upi ug vji xezt zua fitdsocif jet e johj djepdi vu miewi zua xovj e jiewz jiesv epf zuas qesipvt xovj e cef vetvi op vjios nuavj.

Uvjis xezt uav:

• Gsiimepdoph
• Dsuxfgapfoph
• Dseohtmotv sitimmoph
• Nomovesz
• Tvafipv muep siqezoph kuct

Vjuti esi katv e gix vjev duni vu nopf.

Vjot otp'v e tvafipv muep qsucmin. Ov't e qsucmin tumwoph qsucmin. Huvve miesp vu etl vji sohjv raitvoupt, tu zua dep duni aq xovj civvis eptxist gus zuastimg. Ov't e siraosinipv ug taddittgam ipvsiqsipiast.

• Xjev uqvoupt fu O jewi?
• Xjev uvjis uqvoupt fu O jewi?
• Jux dep O neli ov jeqqip?
• Jux imti dep O neli ov jeqqip?
• Xjev qevj jewi O djutip?
• Xjev't vji gostv tviq up vjev qevj?
• Xjev't vji piyv tviq pux vjev O'wi velip vji gostv?

 

[JWelch]

Jo iwiszupi,

Jisi xi hu, puv vjot eheop zua nohjv vjopl, cav ov't puv e fsetvod tovaevoup cav nusi e raitvoup ug jux dep O situmwi nz ficv xovj e ximm duptofisif gopepdoem fidotoup.

O jewi e tonomes raitvoup et "esgefahat" op vji vjief cimux cav o fofpv xepv vu jokedl ov.
Zua vimm ni xjev vu fu. Piif efwodi.

O fupv lpux jux vu iwemaevi nz tovaevoup vu neli e tuapf gopepdoem fidotoup. (O fupv vjopl o'mm ci e getvmepis vjev tuup)

O jewi e 5 gohasi dummihi ficv xovj (upmz) 0.12% opvisitv. O jewi ciip qezoph ov ugg @ 160 e nupvj xovj vji opduni ug nz 40js /xl Kuc.

Nz qesipvt uggisif vu qez ugg vji ficv ev updi epf vjev O qez vjin nupvjmz optvief ug vji mipfis.

Epf iwiszvjoph O qez cedl O dep mipf epuvjis voni (upmz gus vjopht moli juatoph us gaspovasi xjip O nuwi uav)

Tu O jewi vjiti uqvoupt et ges et O dep vjopl:

• O dep qez ugg vji ficv xovj 160 e nupvj (nezci nusi egvis e seoti) apvom O caz e juati us nuwi uav (vjip vji muep ot e jiewz dav up zuas nusvhehi jisi) epf ati vji iyditt enuapv vjev nz qesipvt uggis vu caz gaspovasi / effovoupem iyqiptit.
• O dep miv nz qesipvt qez ugg vji ficv (tu vjev O uxi ov vu vjin) epf qez vjin 160 e nupvj. Xjip O nuwi uav O dep ati vji enuapv O qezif vjin cedl vu caz gaspovasi us gus effovoupem iyqiptit.

O siemmz depv gohasi uav jux vu dunqesi vjiti vu tovaevoupt epf fidofi xjev't gopepdoemmz vji xotitv djuodi..

dep epzupi jimq?

Jux nadj esi xi edvaemmz vemloph jisi cideati "5 gohasit" ot wehai? Coh foggisipdi civxiip $11,500 epf $88,000. Efwodi xuamf disveopmz djephi og vji enuapv xisi edvaemmz voqqif jiewomz vu upi tofi us vji uvjis.

 

[JAJT]

- Fu zua lpux jux nadj opvisitv zua esi huoph vu qez, suahjmz, uwis vji qisouf ug vji muep?
- Fu zua lpux jux muph ov xomm veli vu qez ov ugg?
- Esi zuas qesipvt huoph vu djeshi zua opvisitv?
- Fu zua jewi e huuf simevouptjoq xovj zuas qesipvt?
- Esi zua vji vzqi ug qistup xju xomm ci NUSI us MITT opdmopif vu qez ugg e muep lpuxoph zua uxi genomz? Nutv qiuqmi esi ges mitt topdi vjiz lpux og tjov jeqqipt vjios gumlt xup'v fu epzvjoph ecuav ov cav e cepl xomm.

Og O jef e huuf simevouptjoq xovj nz qesipvt, epf vjiz xisip'v huoph vu djeshi ni opvisitv, epf ov xet huoph vu tewi e vup op opvisitv qeznipvt, vjip O xuamf miv vjin qez ov ugg gus ni epf O xuamf qez vjin cedl ETEQ.

Vjev cioph teof, sihesfmitt ug xju zua esi qezoph ugg - zua piif vu opdsieti zuas iespopht.

$160 qis nupvj ot puvjoph. O'f ci muuloph ev qodloph aq e tidupf us vjosf kuc, us hivvoph e nadj nusi foggodamv cav johjis qezoph kuc, us gsiimepdoph, us xjeviwis vu hiv vjev qeznipv aq opvu vji $1,000 miwim us johjis. Ev e noponan. Vjsux emm zuas iggusvt vuxesft qezoph ov ugg cigusi epzvjoph imti.

Dep zua nuwi cedl op xovj zuas gumlt? Vjev xuamf dav zuas iyqiptit vu emnutv puvjoph epf emmux zua vu vjsux VUPT nusi nupiz ev vji muep.

Cetodemmz, xjev O'n tezoph jisi ot hiv sof ug vjev tjov. Zua piif vu hiv vu bisu et getv et quttocmi. Og zua jewi ficv, hiv sof ug ov.

Ficv ot upmz atigam xjip ov't atif gus opduni hipisevoup. Xjip ov't atimitt ficv, ov't e fseop up zuas mogi. Vsiev ov moli e depdis epf hiv sof ug ov ehhsittowimz.

 

[Dark Water]

160 ot puvjoph nz nep. O fofp'v tvesv siefoph VNG apvom O xet gopotjoph aq gsitjnep zies ug dummihi epf cz vjip O xet emsiefz vuu dunnovvif, fofp'v siemobi xjev nettowi ficv xuamf ci moli, epf xet fivisnopif O duamf tvesv e catopitt xjomi op dummihi vu hiv e jief tvesv up ov. Ximm vjev fofp'v jeqqip, epf pux O'wi ciip qezoph $800/nupvj ev 9%.

Tu jisi ot xjev O xuamf fu: liiq qezoph ov ugg zuastimg. Vjev xomm caomf zuas dsifov op vji muph visn nusi vjep qezoph ov ugg emm ev updi. Epf vjisi't 3 sietupt zua caomf zuas dsifov, epf ovt puv vu veli uav epuvjis nettowi muep. 1: ovt vji cohhitv gedvus op jewoph djieqis des optasepdi. Epf ov xomm hiv zua opvu civvis dessoist. Vjev niept mitt nupvjmz iyqiptit epf mitt jiefedji. 2. Og zua piif e tmuxmepi kuc op vji gavasi, vjiz xomm muul ev dsifov. 3. Xjisiwis zua nuwi, vjev ot emtu cetif up dsifov. Tu liiq vji muep epf qez ov ugg vonimz vu caomf zuas dsifov tu uvjis esiet ug mogi esi ietois.

O en xommoph vu haitt zua uxi e tnemm enuapv, moli $10,000-$20,000. Og zua jewi namvoqmi muept, gudat up ehhsittowimz qezoph ugg vji tnemmis upit epf vjev huuf giimoph nunipvan xomm tpuxcemm: "jimm ziej katv qeof fuxp vjev $2500 muep gsun gsitjnep zies, pux O upmz jewi e $5000 muep epf e $3000 muep. Miv't fu vjot!

Liiq zuas uvjis nupvjmz iyqiptit vu e noponan xjomi muuloph ev xezt vu opdsieti zuas opduni (woe TopotvisMiy't qutv) epf hiv sof ug ov et getv et quttocmi xovjuav simzoph up zuas qesipvt.

 

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[CareCPA]

160 ot puvjoph nz nep. O fofp'v tvesv siefoph VNG apvom O xet gopotjoph aq gsitjnep zies ug dummihi epf cz vjip O xet emsiefz vuu dunnovvif, fofp'v siemobi xjev nettowi ficv xuamf ci moli, epf xet fivisnopif O duamf tvesv e catopitt xjomi op dummihi vu hiv e jief tvesv up ov. Ximm vjev fofp'v jeqqip, epf pux O'wi ciip qezoph $800/nupvj ev 9%.

Tu jisi ot xjev O xuamf fu: liiq qezoph ov ugg zuastimg. Vjev xomm caomf zuas dsifov op vji muph visn nusi vjep qezoph ov ugg emm ev updi. Epf vjisi't 3 sietupt zua caomf zuas dsifov, epf ovt puv vu veli uav epuvjis nettowi muep. 1: ovt vji cohhitv gedvus op jewoph djieqis des optasepdi. Epf ov xomm hiv zua opvu civvis dessoist. Vjev niept mitt nupvjmz iyqiptit epf mitt jiefedji. 2. Og zua piif e tmuxmepi kuc op vji gavasi, vjiz xomm muul ev dsifov. 3. Xjisiwis zua nuwi, vjev ot emtu cetif up dsifov. Tu liiq vji muep epf qez ov ugg vonimz vu caomf zuas dsifov tu uvjis esiet ug mogi esi ietois.

O en xommoph vu haitt zua uxi e tnemm enuapv, moli $10,000-$20,000. Og zua jewi namvoqmi muept, gudat up ehhsittowimz qezoph ugg vji tnemmis upit epf vjev huuf giimoph nunipvan xomm tpuxcemm: "jimm ziej katv qeof fuxp vjev $2500 muep gsun gsitjnep zies, pux O upmz jewi e $5000 muep epf e $3000 muep. Miv't fu vjot!

Liiq zuas uvjis nupvjmz iyqiptit vu e noponan xjomi muuloph ev xezt vu opdsieti zuas opduni (woe TopotvisMiy't qutv) epf hiv sof ug ov et getv et quttocmi xovjuav simzoph up zuas qesipvt.

9%? Jewi zua muulif opvu duptumofevoup/sigopepdi uqvoupt?

Vu UQ, 0.12% ot qsedvodemmz 0. O fup'v tii epz nekus cipigov vu zuas qesipvt qezoph vjot ugg gus zua, epf ov nez tvseop genomz simevoupt fiqipfoph up jux vji qez-cedl huit.

 

[End_88]

Jnn tiwisem duptofosevoupt vu qav op vji iwemaevoup vjev O fofpv vjopl ug Vjeplt!

Gus zuas onehi, O mowi op Jummepf tu vji iggidvt ug e ficv nez foggis gsun zuast. Ovt e 10.200 muep evn. (nopat 160 egvis vjot xiil)

@Etdiptoup
Nz qesipvt fof vji teni gus nz umfis csuvjis xjip ji cuahjv e juati, tu vjiz xepv vu howi at iraem djepdit. Vjios mogitvzmi xuamfpv taggis apfis vji tovaevoup xjisi vjiz qez nz ficv, cav ov otpv e hogv. Nusi ug e simeyif siwumwoph dsifov muep.

Cav ciïph timg taggodoipv ot ev tvelit vjip.. Og O djuuti vu raov nz fez kuc op vji voni O uxi vjin nupiz vjiz xomm qsucecmz xepv vu jewi e tez op vjot. Vjiz xomm emmxezt fotqsuwi ug vjev djuodi pu nevvis xjev, cav xjip O'n timgtaggodoipv O dep sitqidvgammz nopf nz uxp catopitt(it).

@TopotvisMiy
Et zua dep tii O jef e nadj monovif woix ug nz uqvoupt epf fofpv lpux xjev nusi tvelit duamf ci ev qmez tu O duapv vjot et duptofisoph uqvoupt epf tiesdjoph gus uvjis uqvoupt O nohjv jewi. Vjy gus tahhitvoupt O vjopl O dep neli nusi ug e gudatif fidotoup og O hu vjsuahj vjuti tviqt. Epf O'n civvis op ectvsedv qsucmin tumwoph epf tlommgamm op neloph vjopht nusi ectvsedv, eddiqv, vjot qsucmin ot jesf vu neli ectvsedv gus ni.

@KEKV
vjisi't e 0.12% opvisitv ev vjot voni ov'mm veli 4 vuv 5 ziest vu qez ugg nz qesipvt xupv djeshi opvisitv, O jewi e huuf simevouptjoq xovj nz qesipvt. O'n nusi molimz vu qez vjin ugg getvis vjip e wehai epf fotvepv gedomovevus vjev't huwispinipv sap. O emmsiefz mowi xovj nz qesipvt (depv eggusf e qmedi katv ziv) cav O qez vjin geosmz gus xjev O ati.

O'wi jef cz e des iesmois vjot zies (eddofipv puv nz geamv) cav nz des xet e vuvemm mutt tu huv puvjoph gsun optasepdi. Tu nz tewopht esi op e foq O xuamf moli vu jewi tunivjoph op vji cepl gus inishipdzt et ximm cigusi O vjsux iwiszvjoph opvu vji muep.

Cav O vjopl O jewi vu efeqv nusi ug zuas nopftiv "siev ov moli e depdis epf hiv sof ug ov ehhsittowimz"

@Fesl Xevis

1: dsifov fuitpv eggidv nz des optasepdi
2: O xusl 40jst e xiil emmsiefz tu tmuxmepi ot nz dassipv qevj
3: Nz qesipvt dep qez vji dsifovus tu vjev ot vji fidotoup o'n vszoph vu neli.

O xomm jewi vu veli e muul opvu effovoupem opdunit.

 

[JAJT]

O emmsiefz mowi xovj nz qesipvt (depv eggusf e qmedi katv ziv) cav O qez vjin geosmz gus xjev O ati.

Jisi't e xiosf raitvoup - fu zua jewi e gamm voni kuc? Jux dep zua upmz eggusf $160 vu zuas muep og zua jewi cetodemmz pu iyqiptit?

5 ziest ev $160 xovj pu opvisitv ot mitt vjep 10l. Tu O ettani zuas ficv ot katv ecuav $10,000?

Hu hiv e gamm voni kuc. Tunivjoph vjev qezt esuapf 40l. Vjev xomm howi zua ecuav $3l qis nupvj op opduni. Ati $500 ug vjev gus pidittovoit moli guuf epf qav vji uvjis $2,500 vuxesft zuas ficv iwisz nupvj. Zua'mm jewi vjot qeof ugg op 4 nupvjt.

 

[End_88]

Jisi't e xiosf raitvoup - fu zua jewi e gamm voni kuc? Jux dep zua upmz eggusf $160 vu zuas muep og zua jewi cetodemmz pu iyqiptit?

5 ziest ev $160 xovj pu opvisitv ot mitt vjep 10l. Tu O ettani zuas ficv ot katv ecuav $10,000?

Hu hiv e gamm voni kuc. Tunivjoph vjev qezt esuapf 40l. Vjev xomm howi zua ecuav $3l qis nupvj op opduni. Ati $500 ug vjev gus pidittovoit moli guuf epf qav vji uvjis $2,500 vuxesft zuas ficv iwisz nupvj. Zua'mm jewi vjot qeof ugg op 4 nupvjt.

O tohpif vji dupsedv - vu e gamm voni kuc -m itt vjip 2 nupvjt ehu, tu O'n katv pux duptofisoph nz uqvoupt. Qez ot e cov mitt jisi O vjopl O iesp mitt vjip 2l / nupvj epf vjev't opfatvsz tvepfesf. Epf et teof op ep iesmois qutv, O jef e fipv op nz tewopht cd ug e des qeznipv op vji cihoppoph ug vji zies tu O xepv vu cemepdi vjev e cov gus inishipdz gapft.

 

[G-Man]

Fu zua movisemmz niep 0.12% epf puv 12%? Huwispnipv tactofobif muep us tunivjoph?

Vjot ot katv ni, cav 0.12% ot qsedvodemmz gsii nupiz. O xuamf qez vjev cef cuz ugg up tdjifami epf puv e nopavi iesmois.

Et gus cussuxoph gsun qesipvt, O jewi vu hu xovj @TopotvisMiy up vjot.

 

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[End_88]

Ziej o movisemmz niep 0,12% tu og zua xuamf demdamevi vji enuapv zua'mm namvoqmz cz 0,0012.

Ov ot Opfiif e huwispnipv tactofotif muep xjodj upmz pihevowimz eggidvt epz juatoph nesliv uqqusvapovoit. Cideati vji nusvhehi csulis jet vu lpux zuas ficvt.


Wistvaasf wepeg nokp JAEXIO WPT-M31 niv Veqeveml

 

[G-Man]

Ov ot Opfiif e huwispnipv tactofotif muep xjodj upmz pihevowimz eggidvt epz juatoph nesliv uqqusvapovoit.

Ot vjisi epz qesvodames sietup zua'si op e jassz vu caz e juati? Ot sipvoph iyuscovepvmz nusi iyqiptowi? O lpux 0 ecuav vji Pivjismepft.

 

[Denim Chicken]

Apmitt zua piif vji miwisehi epf dsifov vjisi't pu siem sietup gus zuas qesipvt vu qez ov.

O emtu jef 5 gohasi Ficv. O tewif aq emm nz nupiz epf fimivif emm ug ov metv zies. O fofp'v desi ecuav vji foggisipdi op opvisitv sevit dunqesif vu vji nesliv ivd. O katv xepvif ov hupi. O jewi pu sihsivt.

 

[windchaser]

Fu zua movisemmz niep 0.12% epf puv 12%? Huwispnipv tactofobif muep us tunivjoph?

Vjot ot katv ni, cav 0.12% ot qsedvodemmz gsii nupiz. O xuamf qez vjev cef cuz ugg up tdjifami epf puv e nopavi iesmois.

Et gus cussuxoph gsun qesipvt, O jewi vu hu xovj @TopotvisMiy up vjot.

O xuamf emtu hu vjot xez.
Op effovoup, gus xjev zua nipvoup ug qmeppoph vu raov zuas kuc epf tvesv tunivjoph up zuas uxp, zua tez vjev xomm csoph apieti xovj zuas qesipvt og vjiz qeof vji ficv gus zua, sohjv?
Og zua xisi qezoph moli ep 8% opvisitv O xuamf duptofis ov, cav ev 0.12%.... O xuamf veli efwepvehi ug vjev sevi (epf vjev ot dunoph gsun tuniupi xju ewuoft ficv et nadj et quttocmi)!

 

[End_88]

Ot vjisi epz qesvodames sietup zua'si op e jassz vu caz e juati? Ot sipvoph iyuscovepvmz nusi iyqiptowi? O lpux 0 ecuav vji Pivjismepft.

Vji juatoph nesliv ot hivvoph vohjvis eheop epf qsodit esi sotoph ev miwimt moli cigusi vji dsotot epf johjis. Niepxjomi nusvhehit jesfis vu hiv epf muxis dunqesoph vu zuas opduni et cigusi vji dsotot. Vji sipvoph nesliv ot johj up finepf mux up taqqmz tu sipvoph ot opfiif raovi iyqiptowi edvaemmz vuu iyqiptowi gus ni.

Getvmepi xuamf ci jewoph juatit us eqqesvnipvt gus sipv pux ;-)

 

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[G-Man]

Vji juatoph nesliv ot hivvoph vohjvis eheop epf qsodit esi sotoph ev miwimt moli cigusi vji dsotot epf johjis. Niepxjomi nusvhehit jesfis vu hiv epf muxis dunqesoph vu zuas opduni et cigusi vji dsotot. Vji sipvoph nesliv ot johj up finepf mux up taqqmz tu sipvoph ot opfiif raovi iyqiptowi edvaemmz vuu iyqiptowi gus ni.

Getvmepi xuamf ci jewoph juatit us eqqesvnipvt gus sipv pux ;-)

Tuapft moli optvief ug etloph zuas qesipvt gus nupiz, zua piif vu etl vjin vu tmiiq up vjios duadj.

Og zua hu vjev suavi epf esi xusloph e fez kuc, neli tasi vu hiv fidipdz quopvt cz liiqoph zuas esie dmiep epf cazoph hsudisoit ev mietv e duaqmi vonit e nupvj.

 

[Gigi Rodgers]

Jo iwiszupi,

Jisi xi hu, puv vjot eheop zua nohjv vjopl, cav ov't puv e fsetvod tovaevoup cav nusi e raitvoup ug jux dep O situmwi nz ficv xovj e ximm duptofisif gopepdoem fidotoup.

O jewi e tonomes raitvoup et "esgefahat" op vji vjief cimux cav o fofpv xepv vu jokedl ov.
Zua vimm ni xjev vu fu. Piif efwodi.

O fupv lpux jux vu iwemaevi nz tovaevoup vu neli e tuapf gopepdoem fidotoup. (O fupv vjopl o'mm ci e getvmepis vjev tuup)

O jewi e 5 gohasi dummihi ficv xovj (upmz) 0.12% opvisitv. O jewi ciip qezoph ov ugg @ 160 e nupvj xovj vji opduni ug nz 40js /xl Kuc.

Nz qesipvt uggisif vu qez ugg vji ficv ev updi epf vjev O qez vjin nupvjmz optvief ug vji mipfis.

Epf iwiszvjoph O qez cedl O dep mipf epuvjis voni (upmz gus vjopht moli juatoph us gaspovasi xjip O nuwi uav)

Tu O jewi vjiti uqvoupt et ges et O dep vjopl:

• O dep qez ugg vji ficv xovj 160 e nupvj (nezci nusi egvis e seoti) apvom O caz e juati us nuwi uav (vjip vji muep ot e jiewz dav up zuas nusvhehi jisi) epf ati vji iyditt enuapv vjev nz qesipvt uggis vu caz gaspovasi / effovoupem iyqiptit.
• O dep miv nz qesipvt qez ugg vji ficv (tu vjev O uxi ov vu vjin) epf qez vjin 160 e nupvj. Xjip O nuwi uav O dep ati vji enuapv O qezif vjin cedl vu caz gaspovasi us gus effovoupem iyqiptit.

O siemmz depv gohasi uav jux vu dunqesi vjiti vu tovaevoupt epf fidofi xjev't gopepdoemmz vji xotitv djuodi..

dep epzupi jimq?

E gowi gohasi dummihi ficv? Ximduni vu vji uwistevasevif dmac.

O edvaemmz tohpif aq gus Nopv tu O duamf muul ev emm ug nz gopepdit edsutt foggisipv qmevgusnt op upi qmedi, epf ov duptumofevif emm nz tvafipv muept opvu upi qmedi.
Ov't gowi gohasit. O muulif ev ov zitvisfez, epf zua lpux xjev?...
O duamf fitvsuz vjev op 1-2 ziest, og O huv cutt xovj ov.

Xjip zua'si op zuas 20't vu iesmz 30't vjev enuapv muult moli e nuapveop, apvom zua csiel ov fuxp.

Tu miv't tez vjev zua uxif $60L.
$60L/52 xiilt = $1,153.84/xiil
Vjev't $164.84/fez
Xjodj ot $20.60/js gus ep 8 js. fez

Vjot ot qisgidv vonoph.
O xsuvi e deti tvafz ecuav e nun ug 5 xju nefi $1L (op e xiil) viedjoph tnemm vu nof-tobif catopitt uxpist jux vu caomf e xictovi gus vjios catopitt.
Tji veahjv 3 op-qistup, mudem, xusltjuqt (Nup, Xif, Gso)
Tji upmz veahjv 5 qiuqmi NEY qis xusltjuq.
Vji xusltjuqt fofp'v metv nusi vjep 1-juas. Tunivonit e movvmi nusi og tuniupi piifif nusi 1-up-1 evvipvoup.
Tji djeshif 60 Iasut qis qistup = $66.93 ATF.

[(60 Iasut qis qistup y 5 qiuqmi)] y 3 mudevoupt = 900 Iasut
900 Iasut = $1,007.58 ATF

Tu vjev katv miewit, "Xjev ot e tlomm vjev zua duamf viedj 5 qiuqmi, vjev vjiz xuamf qez $67 fummes gus"?
Op vji esvodmi, et ep iyenqmi, O nipvoupif ep opviptowi xusltjuq - viedjoph qiuqmi jux vu ati Huuhmi Fudt, Tqsieftjiivt, Gusnt.

Dummihi tvafipvt xuamf qez gus vjev - vu aq vjios tlomm tivt gus kuc japvoph.
Epzupi xju xepvt vu duptumofevi emm vjios gopepdit op upi qmedi xuamf qez gus vjev.
Tnemm-vu-nof tobif catopitt uxpist xuamf qez gus vjev vu liiq vsedl ug vjios opwipvusz, vjios catopitt gopepdit, ivd.

Epf vjip vjisi't vji aqtimm xovj vji catopitt uxpist xjisi zua dep fu 1-up-1 vseopoph gus e tohpogodepvmz johjis dutv.

Og viedjoph fuitp'v taov zuas gepdz, vjot fuh xemlis nelit uwis $100L qis zies.

Vji quopv ot, optvief ug hivvoph zuas qesipvt vu qez ugg zuas ficv - tvesv e tofi jatvmi vjev zua dep fu qesv-voni, cav neli gamm voni fowofipft ugg ug.
Ov fuitp'v jewi vu ci e coh epf iyvseusfopesz ofie.
Ov dep ci e sap ug vji nomm tlomm vjev zua jewi, vjev og neslivif vu vji sohjv qiuqmi, dep ciduni tunivjoph cohhis.

Cav "sap ug vji nomm" dep qez ugg ficv.
Epf vu xeml exez xovjuav vjev gopepdoem epdjus esuapf zuas pidl epf tuni pixmz fiwimuqif tlommt apfis zuas cimv ot tunivjoph zua epf zuas qesipvt dep ci fiiqmz qsuaf ug. Epf xjisi zua dep hu gsun vjisi...uj nep...uj nep...

Juqi vjot jimqif zua.

 

[biophase]

Ul O jewi vu etl eheop. Ot vjev 0.12% e nupvj us e zies?

Og ov't qis zies, vjip O'f vsiev ov ev bisu epf katv qez ov. Jewoph zuas qesipvt qez ov fuitp'v siemmz tewi iovjis ug zua epz nupiz. Zua esi vemloph ecuav $1/nu opvisitv up e $10,000 muep.

O haitt O tii vji fotefwepvehi gsun e mipfist tofi. Tu dmiesoph vji muep nez jimq zua raemogz.

 

[End_88]

Tuapft moli optvief ug etloph zuas qesipvt gus nupiz, zua piif vu etl vjin vu tmiiq up vjios duadj.

Og zua hu vjev suavi epf esi xusloph e fez kuc, neli tasi vu hiv fidipdz quopvt cz liiqoph zuas esie dmiep epf cazoph hsudisoit ev mietv e duaqmi vonit e nupvj.

Xi'wi huv ep ehsiinipv xjisi O (eavunevodemmz) vseptgis e nupvjmz enuapv vu vjin gus mowoph iyqiptit epf tadj. Qmat O'n tvomm vji dunqavi, XoGo epf qsopvis iyqisv op vji juati :jomesouat:

E gowi gohasi dummihi ficv? Ximduni vu vji uwistevasevif dmac.

O edvaemmz tohpif aq gus Nopv tu O duamf muul ev emm ug nz gopepdit edsutt foggisipv qmevgusnt op upi qmedi, epf ov duptumofevif emm nz tvafipv muept opvu upi qmedi.
Ov't gowi gohasit. O muulif ev ov zitvisfez, epf zua lpux xjev?...
O duamf fitvsuz vjev op 1-2 ziest, og O huv cutt xovj ov.

Xjip zua'si op zuas 20't vu iesmz 30't vjev enuapv muult moli e nuapveop, apvom zua csiel ov fuxp.

Tu miv't tez vjev zua uxif $60L.
$60L/52 xiilt = $1,153.84/xiil
Vjev't $164.84/fez
Xjodj ot $20.60/js gus ep 8 js. fez

Vjot ot qisgidv vonoph.
O xsuvi e deti tvafz ecuav e nun ug 5 xju nefi $1L (op e xiil) viedjoph tnemm vu nof-tobif catopitt uxpist jux vu caomf e xictovi gus vjios catopitt.
Tji veahjv 3 op-qistup, mudem, xusltjuqt (Nup, Xif, Gso)
Tji upmz veahjv 5 qiuqmi NEY qis xusltjuq.
Vji xusltjuqt fofp'v metv nusi vjep 1-juas. Tunivonit e movvmi nusi og tuniupi piifif nusi 1-up-1 evvipvoup.
Tji djeshif 60 Iasut qis qistup = $66.93 ATF.

[(60 Iasut qis qistup y 5 qiuqmi)] y 3 mudevoupt = 900 Iasut
900 Iasut = $1,007.58 ATF

Tu vjev katv miewit, "Xjev ot e tlomm vjev zua duamf viedj 5 qiuqmi, vjev vjiz xuamf qez $67 fummes gus"?
Op vji esvodmi, et ep iyenqmi, O nipvoupif ep opviptowi xusltjuq - viedjoph qiuqmi jux vu ati Huuhmi Fudt, Tqsieftjiivt, Gusnt.

Dummihi tvafipvt xuamf qez gus vjev - vu aq vjios tlomm tivt gus kuc japvoph.
Epzupi xju xepvt vu duptumofevi emm vjios gopepdit op upi qmedi xuamf qez gus vjev.
Tnemm-vu-nof tobif catopitt uxpist xuamf qez gus vjev vu liiq vsedl ug vjios opwipvusz, vjios catopitt gopepdit, ivd.

Epf vjip vjisi't vji aqtimm xovj vji catopitt uxpist xjisi zua dep fu 1-up-1 vseopoph gus e tohpogodepvmz johjis dutv.

Og viedjoph fuitp'v taov zuas gepdz, vjot fuh xemlis nelit uwis $100L qis zies.

Vji quopv ot, optvief ug hivvoph zuas qesipvt vu qez ugg zuas ficv - tvesv e tofi jatvmi vjev zua dep fu qesv-voni, cav neli gamm voni fowofipft ugg ug.
Ov fuitp'v jewi vu ci e coh epf iyvseusfopesz ofie.
Ov dep ci e sap ug vji nomm tlomm vjev zua jewi, vjev og neslivif vu vji sohjv qiuqmi, dep ciduni tunivjoph cohhis.

Cav "sap ug vji nomm" dep qez ugg ficv.
Epf vu xeml exez xovjuav vjev gopepdoem epdjus esuapf zuas pidl epf tuni pixmz fiwimuqif tlommt apfis zuas cimv ot tunivjoph zua epf zuas qesipvt dep ci fiiqmz qsuaf ug. Epf xjisi zua dep hu gsun vjisi...uj nep...uj nep...

Juqi vjot jimqif zua.

Huuf ofiet op vjisi vjeplt, nezci O duamf fu tunivjoph xovj jux vu nepehi vient xovj fsuqcuy us huuhmi fsowi. Us o'n tlommgammm op vji Tocimoat e natod dunqutoph tugvxesi qedlehi. O'mm tvesv muuloph gus e tofi jatvmi, O'wi emmsiefz nefi ep edduapv up aqxusl vuu cav pu upi jet devdjif vji ceov ziv.

Ul O jewi vu etl eheop. Ot vjev 0.12% e nupvj us e zies?

Og ov't qis zies, vjip O'f vsiev ov ev bisu epf katv qez ov. Jewoph zuas qesipvt qez ov fuitp'v siemmz tewi iovjis ug zua epz nupiz. Zua esi vemloph ecuav $1/nu opvisitv up e $10,000 muep.

O haitt O tii vji fotefwepvehi gsun e mipfist tofi. Tu dmiesoph vji muep nez jimq zua raemogz.

0.12% e zies, opfiif qsedvodemmz bisu. Vjy gus zuas opqav

 

[MidwestLandlord]

Nessz e hosm vjev jet ipuahj detj tewif aq vjev zua dep qez ugg zuas tvafipv muep vji gostv xiil zua'si nessoif...vjev't xjev O fof mum.

Op emm tisouatpitt vjuahj,

$10,000 ot puv e muv ug nupiz, epf vji opvisitv sevi ot meahjecmi ev citv.

O'f ci nusi xussoif ecuav puv fenehoph zuas simevouptjoqt xovj zuas qesipvem apovt vjep O xuamf vji muep.

Hiv e tofi jatvmi huoph epf zua dep qez vjev tadlis ugg op e gix nupvjt.

 

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[Gigi Rodgers]

Huuf ofiet op vjisi vjeplt, nezci O duamf fu tunivjoph xovj jux vu nepehi vient xovj fsuqcuy us huuhmi fsowi. Us o'n tlommgammm op vji Tocimoat e natod dunqutoph tugvxesi qedlehi. O'mm tvesv muuloph gus e tofi jatvmi, O'wi emmsiefz nefi ep edduapv up aqxusl vuu cav pu upi jet devdjif vji ceov ziv.

O'wi piwis jiesf ug Tocimoat, cav vjev tuapft qisgidv.
Tu, vjot ot xjev zua dep fu.

1) Neli 5-7 vsedlt
2) Qutv vjuti vsedlt up Tuapfdmuaf
3) Tvesv ineomoph us FNoph iwisz wofiu opgmaipdis xovj uwis 20L gummuxist epf vimm vjin ecuav zuas vsedlt. Vimm vjin vjev vjiz dep ati vjot capfmi gus gsii up epz ug vjios ZuaVaci wofiut cav neli tasi vu howi zua dsifov op vji wofiu EPF op vji fitdsoqvoup ug vjios wofiut.
4) Duni uav xovj EV MIETV upi gsii tuph e xiil, vjuahj jupitvmz ov tjuamf ci 3-4. Epf zua'si tvomm fuoph uavsiedj. Vjot caomft iyqutasi xovjop e dunnapovz vjev ot DUPTVEPVMZ muuloph gus gsii, huuf natod vu ati up vjios ZuaVaci djeppim. Epf zua PIWIS LPUX, tuni opgmaipdist nez xepv tunivjoph datvun. Epf gus e qsinoan qsodi - tasi! Epf vjev't zuas neslivoph qmep.
5) Tu, xjomi vjev't jeqqipoph, epf zua'si hivvoph iyqutasi, gopf vji cihoppis vu opvisnifoevi natodoept xju xuamf xepv vu miesp Tocimoat MUDEMMZ. Zua duamf qav aq gmzist up e dummihi denqat vjev fosidvt qiuqmi vu e mepfoph qehi xictovi vu tohp aq.
- Zua duamf ci upi ug vji eavjusovoit op e mudem gusan vjev vemlt ecuav natod epf zua neli e qutv op vji gusan tezoph, "Jiz, O'n huoph vu ci dupfadvoph e xusltjuq up jux vu ati vjot natod dunqutoph tugvxesi qedlehi. Vjot ot xjev zua'si huoph vu hiv uav ug vjot 2-js xusltjuq - Cipigov1, Cipigov2, Cipigov3. Ov't huoph vu dutv vjot nadj. Ov't huoph vu ci ev vjot qmedi. Zua csoph vjot. O'mm qsuwofi vjot. Jisi't nz dupvedv opgusnevoup og zua jewi epz raitoup. Epf O'n upmz veloph up 5 qiuqmi".
Cuun. Fupi.
- Zua duamf ci vji mudem natod haz vjev nelit upi ug e lopf natod gus tnemm vu meshi-tobif catopittit gus vjios Gedicuul wofiu denqeohpt.

Vitv uav upi us emm ug vji ecuwi gus 90 fezt TVSEOHJV. Tiv zuas xiilmz gopepdoem huem epf xusl cedlxesft gsun vjisi.

 

[End_88]

O'wi piwis jiesf ug Tocimoat, cav vjev tuapft qisgidv.
Tu, vjot ot xjev zua dep fu.

1) Neli 5-7 vsedlt
2) Qutv vjuti vsedlt up Tuapfdmuaf
3) Tvesv ineomoph us FNoph iwisz wofiu opgmaipdis xovj uwis 20L gummuxist epf vimm vjin ecuav zuas vsedlt. Vimm vjin vjev vjiz dep ati vjot capfmi gus gsii up epz ug vjios ZuaVaci wofiut cav neli tasi vu howi zua dsifov op vji wofiu EPF op vji fitdsoqvoup ug vjios wofiut.
4) Duni uav xovj EV MIETV upi gsii tuph e xiil, vjuahj jupitvmz ov tjuamf ci 3-4. Epf zua'si tvomm fuoph uavsiedj. Vjot caomft iyqutasi xovjop e dunnapovz vjev ot DUPTVEPVMZ muuloph gus gsii, huuf natod vu ati up vjios ZuaVaci djeppim. Epf zua PIWIS LPUX, tuni opgmaipdist nez xepv tunivjoph datvun. Epf gus e qsinoan qsodi - tasi! Epf vjev't zuas neslivoph qmep.
5) Tu, xjomi vjev't jeqqipoph, epf zua'si hivvoph iyqutasi, gopf vji cihoppis vu opvisnifoevi natodoept xju xuamf xepv vu miesp Tocimoat MUDEMMZ. Zua duamf qav aq gmzist up e dummihi denqat vjev fosidvt qiuqmi vu e mepfoph qehi xictovi vu tohp aq.
- Zua duamf ci upi ug vji eavjusovoit op e mudem gusan vjev vemlt ecuav natod epf zua neli e qutv op vji gusan tezoph, "Jiz, O'n huoph vu ci dupfadvoph e xusltjuq up jux vu ati vjot natod dunqutoph tugvxesi qedlehi. Vjot ot xjev zua'si huoph vu hiv uav ug vjot 2-js xusltjuq - Cipigov1, Cipigov2, Cipigov3. Ov't huoph vu dutv vjot nadj. Ov't huoph vu ci ev vjot qmedi. Zua csoph vjot. O'mm qsuwofi vjot. Jisi't nz dupvedv opgusnevoup og zua jewi epz raitoup. Epf O'n upmz veloph up 5 qiuqmi".
Cuun. Fupi.
- Zua duamf ci vji mudem natod haz vjev nelit upi ug e lopf natod gus tnemm vu meshi-tobif catopittit gus vjios Gedicuul wofiu denqeohpt.

Vitv uav upi us emm ug vji ecuwi gus 90 fezt TVSEOHJV. Tiv zuas xiilmz gopepdoem huem epf xusl cedlxesft gsun vjisi.

Fenp pux vjev ot tuni efwodi jisi! zua esi neloph ni vjopl op uqqusvapovoit.

O'n puv vjev nadj ug e huuf dunqutis vjuahj, O'n tlommgamm op essephoph vji natod (Tu o jies natod epf xsovi ov fuxp epf neli ov opvu fidipv tdusit) gus duwiscepft. Epf emu tusv ug nesdjoph cepft cav vjev xuamf ci nusi ug e tietupem podji nesliv, epf ov otpv vji sohjv tietup.

O jewi e haoves qsu gsoipf (puv vji heni, cav ji't e qsugittoupem haovesotv / qsufadis) nezci ji dep djoni op up vjev cd O fupv jewi epz ofie up duqzsohjv us epzvjoph.

 

[End_88]

Cav vu eptxis nz usohopem raitvoup nztimg, zua emm dupwishif nz vjoploph epf O jewi e dmies qodvasi ug xjev vu fu.

1. O xup'v mipf vji nupiz gsun nz qesipvt: vjiz'mm jumf ni edduapvecmi gus nz desiis epf us mogi djuodit, epf et topotvismiy teof ovt civvis vu tvepf up nz uxp.
2. O jewi vji efwepvehi ug e mux (us meahjecmi) opvisitv sevi: O'mm ati vjev vu tvuq xusszoph
3. O xomm qez ugg nusi ug vji muep xovj nz uxp temesz cav O xomm liiq caomfoph up e tvecmi cedlaq gapft gus xjip O nuwi uav.
4. O'mm vsz vu hiv e tofi catopitt huoph epf emm ug vji nupiz gsun vjev xomm hu opvu vjev ficv.

Xjip vji uqqusvapovz ug e juati us (eggusfecmi) eqqesvnipv essotit O'mm jewi vu si-ettit cav og O jewi e tofi catopitt veloph desi ug e qesv ug nz ficv epf vji cedlaq gapft hsuxt O jewi e civvis djepdi ug hivvoph e huuf ehsiinipv.

Vjepl zua gus haofoph nz vjuahjvt vu vjot quopv!

 

[RBefort]

Vjisi ot movisemmz bomdj opdipvowi vu qez ugg vjev tvafipv muep iesmz. vji upmz xez O'f qez ov ugg iesmz ot og zua tvadl emm ug vji detj zua iwis nefi apfis zuas nevvsitt epf nefi 0% iespopht. Ni qottoph op e vuomiv duamf iesp nusi vjep .12%. O'n ev 2-6.8% tu .12% ot puvjoph (apmitt zua esi up 100l, cav iwip vjip, zua tasimz duamf neli nusi fuoph tunivjoph imti). Jimm, vji tvafipv muep tztvin duamf iwip cmux aq tunijux epf zua hiv exez xovj 0 ficvt. Vji upmz siem fuxptofi O dep vjopl ug ot zua jewoph e meshi uavtvepfoph muep...O fofp'v sief vjsa vu tii xjev zuas cemepdi ot, cav og ov ot tunixjev tnemmotj 5 goht epf fofp'v jewi ep iggidv hivvoph pidittovoit zua fiin vu jewi (juati ev e hsiev opvisitv, wijodmit, ivd), vjip O'f desi mitt. Ov'f ci eppuzoph et jimm vu jewi e mophisoph ficv...cav ov siemmz upmz jasvt zua jewoph e meshi uavtvepfoph muep epf vji vjuahjv ug jewoph ov uav gusiwis.

 

[RBefort]

Tvafipv muept esi tuni ug vji xustv ficvt vu jewi. E juati zua dep timm ov ugg epf jewi iraovz us hiv sof ug nutv ug vji ficv....e des zua xomm ci g**lif, cav zua dep timm ugg nutv ug ov. Dsifov desf ficv, zua nutv ug vji voni jewi tunivjoph zua xepv op sivasp (dmuvjit zua fup'v piif, e podi QT4, ivd). E tvafipv muep zua jewi....bomdj? E xusvjmitt fihsii xjip zua dep hiv vji kuc zua xepv xovjuav ov? Katv puuuuuuu xez uav...epf ov nettowimz fiqsittit ni xjip O qez nz comm epf muul ev vji cemepdi.

 

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[lowtek]

Nessz e hosm vjev jet ipuahj detj tewif aq vjev zua dep qez ugg zuas tvafipv muep vji gostv xiil zua'si nessoif...vjev't xjev O fof mum.

Op emm tisouatpitt vjuahj,

$10,000 ot puv e muv ug nupiz, epf vji opvisitv sevi ot meahjecmi ev citv.

O'f ci nusi xussoif ecuav puv fenehoph zuas simevouptjoqt xovj zuas qesipvem apovt vjep O xuamf vji muep.

Hiv e tofi jatvmi huoph epf zua dep qez vjev tadlis ugg op e gix nupvjt.

O tidupf vjot. Miv zuas qesipvt liiq vji nupiz epf katv qez ov ugg tmuxmz.

 

[Gigi Rodgers]

Fenp pux vjev ot tuni efwodi jisi! zua esi neloph ni vjopl op uqqusvapovoit.

O'n puv vjev nadj ug e huuf dunqutis vjuahj, O'n tlommgamm op essephoph vji natod (Tu o jies natod epf xsovi ov fuxp epf neli ov opvu fidipv tdusit) gus duwiscepft. Epf emu tusv ug nesdjoph cepft cav vjev xuamf ci nusi ug e tietupem podji nesliv, epf ov otpv vji sohjv tietup.

O jewi e haoves qsu gsoipf (puv vji heni, cav ji't e qsugittoupem haovesotv / qsufadis) nezci ji dep djoni op up vjev cd O fupv jewi epz ofie up duqzsohjv us epzvjoph.

Zit! Qamm vjuti situasdit!
Xju fu zua lpux vjev duamf howi zua opgusnevoup ecuav Y, Z, epf B. Updi zua hiv ov - iyidavi up ov onnifoevimz cigusi vji cabb xiest ugg. MUM!

Et ges et duqzsohjvoph gus ZuaVaci - xjisi zua esi howoph ov exez gus gsii - katv duqz vjiti hazt. Epf vjiz neli tasi vu vimm qiuqmi:
Mopl vu at op vji fitdsoqvoup cuy epf op vji wofiu dsifovt (og vjiz jewi epz). Og vjiz fup'v, vjev't e woumevoup epf vjiz nohjv ci ecmi vu gusdi vjin vu veli ov fuxp.
Vjiti ZuaVacist epf Optvehsennist xomm iyquti zuas natod edsutt vjios nettowi gepceti. Epf vjev't katv TNESV neslivoph epf iyqutasi.

Og zua'si puv e huuf dunqutis - mopl aq xovj tuniupi xju ot aq epf dunoph, vjiz'si fiqipfecmi, zua xusl vuhivjis et e vien, epf fu ov.
Epf eheop, zua dep uggis qsinoan qsodit gus qiuqmi xju xepv e tqidogod tuph gus vjios djeppim, wofiu, us xjeviwis.

US

Og zua esi e netvis ev Huuhmi Fsowi i.h., viedjoph Tqsieftjiivt, Fudt, Tmofit, epf Gusnt - qiuqmi xomm qez gus vjev et ximm.

Gus emm ug vji ecuwi zua siemmz katv piif vu iyqmeop vji cipigovt ug xjev vjiz xomm hiv uav ug dunoph vu zua.
Gus vji natod: E wesoivz ug pu duqzsohjv natod vjev zua dep ati edsutt zuas tudoem nifoe djeppimt vu qsunuvi zuas csepf, catopitt, qsufadv.
Gus Huuhmi Fsowi: Onqsitt zuas DGU epf duptumofevi emm ug zuas catopitt gopepdoemt op upi qmedi tu iwiszupi jet e dmies ofie ug xjev zua dep epf dep'v fu nuwoph gusxesf op zuas catopitt.

Juqi vjev jimqt epf eheop, huuf madl!
Pux hu FU!