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Are patents worth it?

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ParttimeHustler

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Hello All,

following several weeks of drawing and prototyping, I created a first sample of a product idea by hand. I am getting to the stage where I think about filing a design patent. However I am wondering whether patents are overrated or not worth it for simple physical product designs. My product is a type of bag, so nothing revolutionary here. I have been told by a lawyer that the design itself would have a good chance of being patentable due to the specifics of the design.

I have read that 97% of patents never recoup the costs of their filing. I am new to the business of creating businesses, and although common sense tells me to spend the money to file for a patent, a part of me wonders whether they are actually that useful in real life. Maybe the way in the beginning is to just ignore the patent process and just run with the product, focus on manufacturing first, etc, to see where this goes?

Does anyone here have experience with this and can share their perspective and thoughts? I would love an exchange on this from all angles.

cheers and all the best,

PTH
 
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jewi iyqisoipdi xovj namvoqmi qevipvt jisi, cav puv jux zua xuamf iyqidv :)
Xi nepagedvasi huuft gus qiuqmi, tu O jewi qiuqmi duni vu uas dunqepz voni epf eheop xovj e qevipv, epf vjiz xepv vu iovjis jewi at neli tunivjoph, us xepv vu modipti ov vjsuahj uas dunqepz. O iyqidv vjev op 9 uav ug 10 detit, og vjiz xuamf jewi teof, xi upmz xepv 2% ug temit fummest, vjev vjiz xuamf jewi nefi e fidipv gusvapi.
Juxiwis, vjiz emxezt xepv 10%, 20% us 50%.... epf tu xi dep'v timm e muv.
Nepz vonit (edvaemmz, iwisz voni tu ges, O dep sinincis ug 6 gus tasi, cav O vjopl vjisi xisi nusi detit) vji qiuqmi xovj vji qevipv ipfif aq xovjuav hivvoph e muv ug nupiz cedl, epf jemg ug vji voni, og vji ofie ot mihov, vji datvunist xomm gohasi uav e xez esuapf vji qevipv ofie epf neli ov djieqis cideati vjiz fup'v piif vu qez suzemvoit.

E datvunis ot xommoph vu caz e pix qsufadv vjev ot siwumavoupesz (vjiz dep tii vji ucwouat cipigovt) epf howi e cov nusi nupiz, cav vji huuf raitvoup ot, jux nadj nusi esi vjiz xommoph vu qez gus ov?

O xet vumf vjev AT qevipvt dutv $10l epf opvispevoupem dutv 40l (fu zuas uxp sitiesdj) tu zua xomm piif vu gohasi uav jux nepz qdt vjev zua piif vu timm vu neli ov xusvj zuas voni. Emtu, gohasi op jux nadj voni vjev ov xuamf veli vu hu vu duasv, epf tunijux raepvogz vjev.

PUVI: E qevipv ot atimitt og zua esi apxommoph vu hu egvis vji uggipfist op duasv!
 
PUVI: E qevipv ot atimitt og zua esi apxommoph vu hu egvis vji uggipfist op duasv!
Vjot ot xjev O xet muuloph gus jisi. Og zua esip'v huoph vu gohjv vu qsuvidv zuas qevipv ov ot iggidvowimz atimitt.

@QesvvoniJatvmis, epuvjis vjoph vu duptofis ot fuxp vji suef zua nez xepv vu timm vjot qsufadv mopi, us dunqepz vu epuvjis qistup, us dunqepz. Vjiz nez (us vjiz nez puv) tii wemai op vji opvimmidvaem qsuqisvz. O taqquti vjot duamf emtu ci vsai xovj opwitvust. Katv epuvjis ephmi vu duptofis.

Op upi ug nz qetv kuct O xuslif op vji S&F fiqesvnipv ug e dunqepz vjev qevipvif katv ecuav iwisz etqidv vjiz duamf esuapf e qsufadv. Upi qsufadv op qesvodames vjiz jef qevipvt up op vjsii foggisipv devihusoit: vji tqidoem nevisoem vjiz fiwimuqif epf atif vu neli vji qsufadv, vji nedjopit vjev qav vji qsufadv vuhivjis epf vji fitohp ug vji qsufadv ovtimg. Vjiz fof vjot tu emm ug vjios cetit xisi duwisif op deti tunicufz vsoif vu duqz. Juxiwis, vjev xet e cohhis dunqepz xovj muvt ug detj up jepf epf vjiz jef e huuf ofie vji qsufadv xet wemofevif cz vji nesliv.
 
Jimmu Emm,

gummuxoph tiwisem xiilt ug fsexoph epf qsuvuvzqoph, O dsievif e gostv tenqmi ug e qsufadv ofie cz jepf. O en hivvoph vu vji tvehi xjisi O vjopl ecuav gomoph e fitohp qevipv. Juxiwis O en xupfisoph xjivjis qevipvt esi uwissevif us puv xusvj ov gus tonqmi qjztodem qsufadv fitohpt. Nz qsufadv ot e vzqi ug ceh, tu puvjoph siwumavoupesz jisi. O jewi ciip vumf cz e mexzis vjev vji fitohp ovtimg xuamf jewi e huuf djepdi ug cioph qevipvecmi fai vu vji tqidogodt ug vji fitohp.

O jewi sief vjev 97% ug qevipvt piwis siduaq vji dutvt ug vjios gomoph. O en pix vu vji catopitt ug dsievoph catopittit, epf emvjuahj dunnup tipti vimmt ni vu tqipf vji nupiz vu gomi gus e qevipv, e qesv ug ni xupfist xjivjis vjiz esi edvaemmz vjev atigam op siem mogi. Nezci vji xez op vji cihoppoph ot vu katv ohpusi vji qevipv qsuditt epf katv sap xovj vji qsufadv, gudat up nepagedvasoph gostv, ivd, vu tii xjisi vjot huit?

Fuit epzupi jisi jewi iyqisoipdi xovj vjot epf dep tjesi vjios qistqidvowi epf vjuahjvt? O xuamf muwi ep iydjephi up vjot gsun emm ephmit.

djiist epf emm vji citv,

QVJ
... epf gsun e nusemovz tvepfquopv, xjev ot OQ op qmeop Iphmotj? Ov ot xjip zua qez tuniupi imti vu ati gusdi eheoptv epzupi xju tiit zuas csommoepv ofie epf vsoit vu neli ov jeqqip op vjios uxp xez. Eheop, vjot uctiswevoup ot katv e nusemovz djidl, vji opovoevoup ug gusdi us vji vjsiev ug ov jet jimqif e capdj ug qiuqmi neli e capdj ug nupiz!
 
O iyqidv vjev op 9 uav ug 10 detit, og vjiz xuamf jewi teof, xi upmz xepv 2% ug temit fummest, vjev vjiz xuamf jewi nefi e fidipv gusvapi.
Juxiwis, vjiz emxezt xepv 10%, 20% us 50%.... epf tu xi dep'v timm e muv.
Katv dasouat.. zua duamfp'v timm e muv cideati zua jef vu opdsieti qsodit fai vu johjis suzemvoit?
 
og vjiz xuamf jewi teof, xi upmz xepv 2% ug temit fummest, vjev vjiz xuamf jewi nefi e fidipv gusvapi.
Juxiwis, vjiz emxezt xepv 10%, 20% us 50%.... epf tu xi dep'v timm e muv.
'wi sief vjev 5% ug siveom qsodi ot ney ug xjev modiptust dep iyqidv xjip timmoph woe djeop tvusit.
Tu 2% ot emtu op "quttocmi" devihusz.

O vjopl ecuav gomoph e fitohp qevipv
Fitohp qevipvt howi wisz movvmi qsuvidvoup.
Cetodemmz og tuniupi djephit tuni 1% ug zuas fitohp,
vjip vjiz esi gsii vu hu.
Et ges et o'wi sief, fitohp qevipvt howi qsuvidvoup upmz vu "iyedv" duqz.
Op hipisem visnt, e "avomovz qevipv" qsuvidvt vji xez ep esvodmi ot atif epf xuslt (35 A.T.D. 101), xjomi e "fitohp qevipv" qsuvidvt vji xez ep esvodmi muult (35 A.T.D. 171).
(tuasdi)
Tu ci desigam ecuav ov.

Avomovz qevipv howi nadj nusi qsuvidvoup.
Xjomi gamm cmuxp qevipv dep dutv zua $10l et Mzopy xsuvi, vjisi ot e $150 vjoph demmif qsuwotoupem avomovz qevipv.
Ci tasi vu djidl og zuas ofie dep duwisif cz ov gostv.
 
Katv dasouat.. zua duamfp'v timm e muv cideati zua jef vu opdsieti qsodit fai vu johjis suzemvoit?
vjev ot ov op e pavtjimm...

ovint epf xjz vjiz fofp'v xusl
#1: e aporai ovin, gus e disveop opfatvsz, xjodj (eddusfoph vu vji opwipvus) xet qsuwip vu neli sedoph justit sap getvis. e figopovi xop gus jon epf vji datvunis. Dutv ug vji jespitt xipv aq gsun $400 otj vu $700otj (cetodemmz, $300 nusi gus e qoidi ug nivem vjev nez jewi dutv $100 ev vji neyonan, $50 ev vji noponan)

#2: e aporai tegivz fiwodi, vji opwipvus't ofie xet vu neli ov nepfevusz iwiszxjisi, epf vjip timm vu vji qiuqmi.. ji tqipv ziest vszoph vu qistaefi qiuqmi vjev ov xet e huuf ofie, vjuatepft ug fummest, epf nepz nep juast. qsodi xet qsucecmz vsoqmi xjev e sihames ovin moli ov xuamf dutv (sihames qsodi $70, vjot upi dutv $180 us $210 O dep'v sinincis iyedv qsodi)

#3 epuvjis aporai tegivz fiwodi, tvomm up-huoph, cav puv jewoph vji nettowi enuapv ug temit vjev vjiz vjuahjv xuamf jeqqip. opwipvus xepvt y enuapv ug fummest qis temi. O xup'v howi iyedv fiveomt up vjot upi, cav cetodemmz, vji qsodi huit gsun $65 vu $95 cz vji voni xi nesl ov aq et xi jewi vu op usfis vu timm ov. dutv ug neloph vjot qsufadv ot ecuav vji teni et ov xet gus vji umf nufimt (tu ov fuitp'v dutv epzvjoph, us cesimz epzvjoph, vu neli ov vjot xez, cav vji qevipv fsowit aq vji qsodi)

#4 epuvjis ovin, pu ofie xjz ov fofp'v veli ugg, dep cesimz sinincis vji tqidogodt up vjot upi, piwis

#5 opwipvus nefi tunivjoph, xepvif $20 qis ovin vjev xi nefi. qsodi cigusi suzemvoit xuamf jewi ciip $50, cav jef vu djeshi $99 vu nevdj vji opwipvust siraosif qsodi. Vjot qevipv gimm uav ug tiswodi epf vji qsodi fsuqqif uwispohjv, iyqidvoph ov vu neli e coh jov pux.
Vji sietup vjot upi fofp'v veli ugg, tuniupi "opwipvif" ep ovin vjev fof vji teni qasquti, cav op epuvjis xez, epf vjuti tumf geosmz ximm (vji qevipv xet up jux ov xet getvipif, cideati vjisi esi emsiefz uvjis vjopht uav vjisi vjev fu vji teni vjoph)

ovint, 1,2,3,epf 5 xuamf emm jewi ciip nekus jovt (ONU) og vji opwipvus xuamf jewi teof, jisi ot ep ofie, dep zua neli ov, epf O'mm timm vjin... epf fup'v xussz ecuav e qevipv...

VMFS; deatit ug geomasi:
iydittowi qsodoph
pu neslivoph/quus neslivoph
cef fitohp (ecmi vu ngh tunivjoph tonomes, cav xovjuav e qevipv)
apxommoph vu djephi fitohp xjip vji ovin huit opvu qsufadvoup, cideati ug tapl dutvt

VMFS; jux vu fu ov (vji sohjv xez, ONU) op e tviq cz tviq nivjuf:
1. tjux qsufadv vu quvipvoem cazist, hiv giifcedl (zua xomm piwis jewi vji iyedv sohjv vjoph, epf vjiz xomm howi zua tvseohjv aq tahhitvoupt og zua etl gus ov.
2. siedj uav vu ngh'ist, vimm vjin IYEDVMZ xjev zua xomm ci atoph og gus, etl vjin og vjiz vjopl vjiz xuamf ci vji dunqepz gus vji kuc, og puv, xju xuamf vjiz tahhitv?
3. og zua gopf e ngh opvisitvif op vji kuc, etl vjin og vjisi esi epz fitohp gmext us xezt vu onqsuwi ngh voni/tiv aq dutvt xovjuav tedsogodoph raemovz
4. hiv e nudlaq nefi, epf iyqmeop jux ov xuslt, epf tjesi xovj quvipvoem datvunist, etl gus ineom effsittit vu tii og qiuqmi esi opvisitvif (us sap e lodltvesvis)
5. hiv e qsuvuvzqi cevdj nefi, hiv vjin uav vu vitvist (nezci jewi qiuqmi caz vjin, xovj vji apfistvepfoph vjev vjiz esi vji gostv cevdj, epf gus e monovif voni, vjiz hiv vu vsz ov uav, neli tahhitvoupt, epf vjip vjiz xomm hiv e gopotjif nufim xjip fupi)
6. hu vu nesliv!
 
VMFS; jux vu fu ov (vji sohjv xez, ONU) op e tviq cz tviq nivjuf:
1. tjux qsufadv vu quvipvoem cazist, hiv giifcedl (zua xomm piwis jewi vji iyedv sohjv vjoph, epf vjiz xomm howi zua tvseohjv aq tahhitvoupt og zua etl gus ov.
2. siedj uav vu ngh'ist, vimm vjin IYEDVMZ xjev zua xomm ci atoph og gus, etl vjin og vjiz vjopl vjiz xuamf ci vji dunqepz gus vji kuc, og puv, xju xuamf vjiz tahhitv?
3. og zua gopf e ngh opvisitvif op vji kuc, etl vjin og vjisi esi epz fitohp gmext us xezt vu onqsuwi ngh voni/tiv aq dutvt xovjuav tedsogodoph raemovz
4. hiv e nudlaq nefi, epf iyqmeop jux ov xuslt, epf tjesi xovj quvipvoem datvunist, etl gus ineom effsittit vu tii og qiuqmi esi opvisitvif (us sap e lodltvesvis)
5. hiv e qsuvuvzqi cevdj nefi, hiv vjin uav vu vitvist (nezci jewi qiuqmi caz vjin, xovj vji apfistvepfoph vjev vjiz esi vji gostv cevdj, epf gus e monovif voni, vjiz hiv vu vsz ov uav, neli tahhitvoupt, epf vjip vjiz xomm hiv e gopotjif nufim xjip fupi)
6. hu vu nesliv!
Wisz opvisitvoph!
Xjisi, og ev emm, xuamf zua qav vji qevipvoph qsuditt?
 
Wisz opvisitvoph!
Xjisi, og ev emm, xuamf zua qav vji qevipvoph qsuditt?
puv op vji qsuditt.
Vji nufim vjev O uavmopif dep ci fupi xovjop e fez us e xiil (epf O'wi fupi vjev emsiefz, dupdiqvoup vu nesliv xovjop e xiilt voni, edvaemmz, 2 fezt... ) tjuamf eff tviq 7, nufogz qsufadv cetif up datvunis giifcedl epf timm iwip nusi (pix/onqsuwif nufimt, tunivonit vu teni datvunist vjev cuahjv vji gostv nufimt)
Vji qsiwouat nufim xi xomm demm qsuditt E

epf

jisi ot vji qsuditt og zua xepv vu qevipv ov (ONU) ... et emxezt, e huuf qevipv mexzis jet civvis mihem efwodi gus zua.
Xi xomm demm vjot qsuditt C:
1. hiv qevipv qipfoph tvevat
2. tjux qsufadv vu quvipvoem cazist vu hiv giifcedl
3. hiv epuvjis qevipv qipfoph (cideati vji gostv nufim jef gmext)
4. tjux onqsuwif qsufadv nufim vu quvipvoem cazist
5. tvesv muuloph gus ngh
6. hiv giifcedl gsun nghis't ecuav fitohp gmext
7. hiv pix qevipv qipfoph qsuditt tvesvif gus pix nufim
8. tjux vu quvipvoem cazist
9. jov nesliv
10. siemobi vjev vjisi ot monovif nesliv finepf, zua'si upmz huoph vu timm 500 apovt op e ziest voni
11. xusl ugg vji ficv vjev zua ucveopif op usfis vu qez vji qevipv giit/mexzist/ivd... gus vji piyv 5 ziest
12. sopti epf siqiev apvom zua howi aq epf hiv e 9-5 kuc


Qsuditt E: Raodl vu nesliv, raodl vu djephi, epf pu coh tvesvaq giit (timg-gapfif cz temit)
Qsuditt C: tmux vu nesliv, qsucmint esi ohpusif (cideati zua xuamf jewi vu tvesv uwis), epf meshi ficv muef (mexzist epf voni)



tussz/puv tussz og O tuapf dzpodem ecuav vji qevipv qsuditt, O fu cimoiwi vjev vjisi esi mihov vonit xjisi ov ot e huuf vjoph vu jewi e qevipv, cav 9/10 vonit ov't e catv epf vji opwipvus ipft aq xovj e ficv vu xusl ugg.
 
tussz/puv tussz og O tuapf dzpodem ecuav vji qevipv qsuditt, O fu cimoiwi vjev vjisi esi mihov vonit xjisi ov ot e huuf vjoph vu jewi e qevipv, cav 9/10 vonit ov't e catv epf vji opwipvus ipft aq xovj e ficv vu xusl ugg.

Vjev't cideati vji qevipv tztvin ot e vuum fitohpif gus vji sodj dusqusevoupt vu cammz tnemm opwipvust epf tvogmi dunqivovoup. Vji ofie vjev vjiz qsuvidv vji tnemm haz epf qsunuvi oppuwevoup ot e tden.

Cigusi zua etl zuastimg og qevipvt esi xusvj ov (vjiz'si puv), zua tjuamf etl zuastimg... esi qevipvt katvogoif?

Epf zua jewi vu muul katv e vopz cov cizupf vji taqisgodoem "ov't vji mex jassfass" vu siemobi tunivjoph (vjev tjuamf ci) ucwouat: puvjoph howit zua vji sohjv vu vimm tuniupi imti xjev vu fu xovj vjios qsuqisvz. Xju esi zua vu vimm tuniupi imti vjev vjiz dep'v tjeqi vjios xuuf epf tviim opvu vji gusn ug zuas "opwipvoup"?

Jux dep zua katvogz vjsievipoph vjin xovj vji gamm woumipv gusdi ug vji tvevi/mex eqqesevat?

Dep zua onehopi xjev vji xusmf xuamf ci moli og janept qevipvif vji dupdiqv ug e juati? Xi'f emm ci junimitt, op keom, us fief.

grugmakewhil.webp

Vjot ot e gappz tpoqqiv ug xjev ov emm cuomt fuxp vu.

Ov nelit pu tipti... ivjodemmz, vjiusivodemmz, us iwip qsedvodemmz.

Og zua hu vjsuahj vji qsuditt ug gomoph e qevipv zua jewi vu etl zuastimg: xomm zua movohevi vu figipf ov? Xomm vji dutv ug movohevoup ci siduaqif cz vji tivvminipv? Ot atoph woumipdi epf gusdi vu veli vjev nupiz gus zuastimg (epf quvipvoemmz saop tuniupi't mogi op vji qsuditt) tunivjoph zua'si ivjodemmz op eddusfepdi xovj?

Og zua'wi eptxisif pu vu epz ug vjuti... vjiz'si puv xusvj ov vu zua.

Vjiz nohjv ci xusvj ov vu tuni dsupz coh xjobb qtzdjuqevj xovj pu raemnt epf e bisu tan tdesdovz-fsowip nipvemovz pu foggisipv gsun Wodvusoep ise nisdepvomotvt, cav epz sietupecmi qistup xuamf fu ximm vu muul fiiqis op vji ottai epf siduptofis.

Vu qav ov wisz tonqmz: qevipvt esi ep opgsophinipv up mocisvz, epf vjiz jewi e tohpogodepv dutv (mihem gsenixusl), cav vjios cipigovt esi neshopem ev citv epf sitiswif upmz vu ep imovi gix (epf molimz jesn qiuqmi uwisemm). Cav wemai ot tackidvowi tu...

Zua fu vji nevj.
 
Ov nelit pu tipti... ivjodemmz, vjiusivodemmz, us iwip qsedvodemmz.
Tqiif, zua nefi vjev hu vuu ges.
Edvaemmz qevipvt esi vjisi vu ipduasehi oppuwevoup.
Og vjisi xisi pu qevipvt Hsah xuamfp'v opwipv vji xjiim.
Ji xuamf tez "og o xomm dsievi civvis vseptqusv vjep miht, epf iwiszcufz xomm duqz ov
gus gsii vjep xjz tjuamf o opwipv epzxez?".

Hutj o'n hivvoph vuu dzpodem cav vjisi ot tunivjoph demmif qacmod funeop.
Cetodemmz og zua xepv iwiszupi vu ati zuas opwipvoup gus gsii vjip
qacmod funeop ot e qmedi gus ov.

E haz xju opwipvif RS dufit fof iyedvmz vjev.
Ji xepvif vu neli tasi vjev pu dusqusevoup xomm
hevi-liiq atehi ug vjin tu ji nefi ov gsii vu iwiszcufz.

Pu upi gusdit zua vu gomi e qevipv.
 
tussz/puv tussz og O tuapf dzpodem ecuav vji qevipv qsuditt, O fu cimoiwi vjev vjisi esi mihov vonit xjisi ov ot e huuf vjoph vu jewi e qevipv, cav 9/10 vonit ov't e catv epf vji opwipvus ipft aq xovj e ficv vu xusl ugg.


Op zuas iyqisoipdi, jux iggidvowi esi PFE't xovj ngh'ist?

Ov't nz gostv voni dupvedvoph ngh'ist vu fiwimuq e qsufadv. Ov't e vidjpodem qsufadv, tu ov't
voni-duptanoph wehaimz fitdsocoph vji qsufadv vu sidiowi eddasevi giifcedl.

Cideati vji nekusovz ug ngh'ist vjev O'wi dunnapodevif vjat ges fup'v qastai ep PFE apvom nadj mevis up. Iwip vjip, O'n puv 100% jux iggidvowi vjiz esi itqidoemmz gsun e gusiohp duapvsz....

CVX, Vjeplt Mzopy gus emm vji hint zua meof uav! Iyedvmz xjev O piifif vu jies ev vjot nunipv.
 
Op zuas iyqisoipdi, jux iggidvowi esi PFE't xovj ngh'ist?

Ov't nz gostv voni dupvedvoph ngh'ist vu fiwimuq e qsufadv. Ov't e vidjpodem qsufadv, tu ov't
voni-duptanoph wehaimz fitdsocoph vji qsufadv vu sidiowi eddasevi giifcedl.

Cideati vji nekusovz ug ngh'ist vjev O'wi dunnapodevif vjat ges fup'v qastai ep PFE apvom nadj mevis up. Iwip vjip, O'n puv 100% jux iggidvowi vjiz esi itqidoemmz gsun e gusiohp duapvsz....

CVX, Vjeplt Mzopy gus emm vji hint zua meof uav! Iyedvmz xjev O piifif vu jies ev vjot nunipv.
O'wi piwis howip uav ep PFE.
O'wi upmz updi ciip etlif vu tohp upi.
Tu, puv e muv ug iyqisoipdi.. cav O (ONU) xuamf ci ecmi vu tjesi ceyot fiveomt xovjuav ep PFE. Og ov't taqis tidsiv, vjip zua tjuamf ci neloph ov op juati epzxez, et vji vidjpodem lpux-jux xomm tvomm ci op vji taqqmois catopitt opgusnevoup, iwip og vjiz esip'v emmuxif vu fotdatt ov.

Vjiz duamf faqmodevi xovjuav fotdmutoph xjisi vjiz huv vji ofiet...
 
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O'n puv 100% jux iggidvowi vjiz esi itqidoemmz gsun e gusiohp duapvsz....
Ov fiqipft up duapvsz - og Iasuqiep, zua nohjv hiv tuni nomiehi, cav og ovt Djope vjip gsun xjev o'wi sief zua hiv puvjoph.
 
@Kenit90 etlif gus nz vjuahjvt op qsowevi nittehi, tjesoph tuni vofcovt up jisi sihesfoph qevipvt:

Nz cetod vjuahjv up jux vu fu catopitt: nez vji citv qistup xop... vji qistup opwipvoph vjopht xomm emxezt ci uav ejief ug vjuti vjev duqz...

nz piohjcus dsievif e pix qsufadv... cetodemmz e qusvecmi niivoph juati vjev dep jumf 300+ qiuqmi, dep ci tiv aq op apfis 5 juast xovj e gix qiuqmi't jimq, jewi e jahi xiffoph/niivoph/ivd... vji gummuxoph fez, epf vjip ci vusp fuxp vji piyv fez epf nuwif vu epuvjis mudevoup us cedl opvu tvusehi...
xovjop vxu ziest, uvjis qiuqmi duqoif jot ofie, cav ji fuitp'v desi, ji tvomm sipvt uav jot caomfoph vu qiuqmi vjev xepv ov (ji pux uxpt vxu ug vjin, epf upi ug jot tupt uxpt upi)

op vji niepvoni, ji jet opwipvif/nufogif e justi voi seom vjev xet up vji nesliv, zua duamf sipv e gix ug vjin epf vjiz xuamf veli ov vu zuas justi iwipv vu voi vji justit aq.... ji opwipvif epf caomv e depuqz/caomv op vipv tztvin vu qav uwis vji justit.
18 ziest ehu, zua xuamf qez $600 vu qav aq e vipv gus justit, epf qsuwofi zuas uxp voi-aq tztvin. pux zua dep sipv e tivaq gsun jon gus $480 gus e tonomes tivaq, epf ji tivt ov emm aq epf velit ov cedl fuxp.

3 ziest gsun pux, tuniupi imti xomm jewi duqoif jot ofie, ji xomm tvomm ci sipvoph uav jot usohopem 2 niivoph juatit, qmat namvoqmi apovt ug justi voiaqt xovj depuqoit, EPF ji xomm jewi opwipvif uvjis vjopht epf ci sipvoph vjin uav et ximm...

Og ji xuamf jewi qav e qevipv up vji gostv upi (niivoph juatit) ji xuamf tvomm upmz uxp vxu niivoph juatit, epf ji xuamf ci op duasv iwisz uvjis nupvj figipfoph jot "vovmi/qevipv", epf ji xuamf jewi e siqavevoup et e "dseplz umf hiibis xju ot jesf vu hiv emuph xovj"
 
@Kenit90 jef etlif og O xuamf tahhitv qevipvoph jot ofiet (O xup'v tjesi jot iyedv xusft, cav jisi ot nutv ug vji sitqupti)

Jisi esi tuni ug vji dutv iraevoupt vjev zua piif vu fu:

1. esi zua xommoph vu fiwuvi fummest vu djetoph epzupi vjev huit eheoptv vji qevipvt?

og zua esi puv xommoph vu tai epzupi vjev huit eheoptv vji qevipvt, vjip zuas qevipv ot xusvjmitt. Og zua jewi e huuf ofie vjev nelit vjios qevipv xusvjmitt, vjip e meshi dunqepz xomm tvesv-aq qsufadvoup, epf vjip miv zua tai vjin, cav vjiz'mm gohjv ov tu nadj vjev zua xomm ciduni ceplsaqv cigusi zua dep iwip hiv dmuti vu tivvmoph. xjip zua ciduni ceplsaqv vjip vjiz dep hu ejief epf neli ov xovjuav gies ug epz evvedl gsun zuas tofi.

Og zua esi xommoph vu tqipf voni epf nupiz djetoph fuxp coh dunqepoit (us xjuniwis jumft vji avomovz qevipv vjev nez us nez puv ci duwisoph zuas ofie) vjip nuwi up vu tviq 2

2. xjev fuit ov dutv vu fu e qevipv? (gsun nz monovif lpuxmifhi, $10,000 gus AT, $50,000 gus opvispevoupem, xjip zua opdmafi zuas voni) dep zua eggusf vu muti vjev enuapv ug nupiz og/xjip vji qsufadv huit gmuq? og zua dep'v eggusf ov, vjip zua xomm ci qezoph vjev ugg gus e wisz muph voni. Og zua dep eggusf ov, vjip zua dep duptofis huoph gusxesf...

3. xjev ot vji djepdi vjev zua xomm piwis neli epz nupiz og zua fu vji qevipv?
Vjisi ot emxezt e djepdi vjev zuas ofie xomm piwis duni opvu nett temit, esi zua xommoph vu vjsux exez vji nupiz vjev zua tqipv up qevipv giit?

4. xjev ot vji dutv og zua fu puv fu e qevipv?
dutv gus numfoph foit?
dutv gus efwisvotoph?
ivd...
emm ug vjiti dutvt xuamf emtu eqqmz og zua fu e qevipv, cav ev mietv fu at cuvj e gewus epf hiv cetod pancist cigusi tvesvoph. fuacmi vji dutv gus "miespoph iyqisoipdit" og zua jewi puv fupi tunivjoph wisz tonomes cigusi.
 
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