Building a billion dollar enterprise

[Envision]

Build True Wealth With Real Estate​

Circling back to my triplex, have had my architect working on the storage project but we're going to finish out my plans to build out the lot on the back of the triplex. This will turn in into a 4plex with garage units. I think the value will come in around 1-1.1 million after this.

This got me thinking on how insane this property was for me and the progression of my portfolio and how to actually build wealth with real estate.

Currently I own Triplex 100% for free and I did that in under a year.. I want to explain this because this is where true wealth is created.

I acquired the triplex for $450,000 with 15% down from a local credit union.

I had to put down $69,000 and I pulled my HELOC on one of my duplexes and used that as my down payment (think of myself as my own bank). Yes this is 100% leverage (my company more than covers this debt load if I ever needed it to - this is more risky but in my situation it was not too bad.

The triplex was run down, rents were under market, and the location is phenomenal. I "overpaid" according to everyone around me. You need to create VALUE where no one else can see it.

So I buy the triplex, all the tenants move out after I double rents. I renovate all units over 3 months for $35,000. I self funded this from savings.

Old rents were around $1800/mo

All in $485,000 for a completely renovated triplex with rents coming in at $3625. Im breaking just over $200/mo in cash flow after utilites and my line of credit interest payment.

The value of the triplex is now worth $600,000 with the improvements in rent and value and I've seasoned my loan and tenants over the course of 9-12 months.

Value: $600,000
Mortgage: $370,000
HELOC (interest only): $68,000

Now here is the Key

I go to my bank and tell them I want to refinance my properties into a portfolio loan. I have a great relationship with my banker and we loop together the duplex with my HELOC, one of my single family homes and the triplex into an LLC.

The total value of these properties is around 1.4-1.5m and I have about $800k in debt on them. The bank finances my new portfolio loan at roughly $980,000 and I cash out $170,000 tax free while paying off the heloc I used as the down payment

Value: $1,500,000
Old Debt: $800,000
New Debt : $980,000
Cash Out: $170,000

Old payment with heloc $6500
New Payment paid off heloc: $6000

Summary
I cashed out 170k from my portfolio tax free (which will produce 25k/year ) because I put it into the storage deal.

--- I would never cash out money that would not go into another income producing asset because you are increasing your debt load ---​

I paid off the $69k heloc with simple banking leverage from my triplex increasing in value
Once the heloc was paid off I owned that triplex for FREE. None of my own money was in the deal the bank is carrying all of the load.

These properties will continue to be paid down over the next 10 years and the values will continue to go up, in 5-10 years I will refinance again if the time looks right.

A note on starting out.
I started out with literally nothing 6 years ago, 6k down on my first 155k duplex. People would say thats a waste of time. That it's not worth the work. That theres better things to do with your money... why would you live there?

That property is worth $450,000 today, its enabled me to NEVER pay rent. It's enabled me to buy that triplex (it had the heloc on it), its never had a vacancy, etc...

I started small and did the best I could with what I had.
If you haven't started thats where you should start. Small and secure and compound your returns.​

Start small, start with the dumpy unit, dont listen to anybody thats not where you want to be. Most people couldnt possibly understand your vision.. thats why its yours.

 

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[Raja]

Caomf Vsai Xiemvj Xovj Siem Itvevi​

Dosdmoph cedl vu nz vsoqmiy, jewi jef nz esdjovidv xusloph up vji tvusehi qsukidv cav xi'si huoph vu gopotj uav nz qmept vu caomf uav vji muv up vji cedl ug vji vsoqmiy. Vjot xomm vasp op opvu e 4qmiy xovj hesehi apovt. O vjopl vji wemai xomm duni op esuapf 1-1.1 nommoup egvis vjot.

Vjot huv ni vjoploph up jux optepi vjot qsuqisvz xet gus ni epf vji qsuhsittoup ug nz qusvgumou epf jux vu edvaemmz caomf xiemvj xovj siem itvevi.

Dassipvmz O uxp Vsoqmiy 100% gus gsii epf O fof vjev op apfis e zies.. O xepv vu iyqmeop vjot cideati vjot ot xjisi vsai xiemvj ot dsievif.

O edraosif vji vsoqmiy gus $450,000 xovj 15% fuxp gsun e mudem dsifov apoup.

O jef vu qav fuxp $69,000 epf O qammif nz JIMUD up upi ug nz faqmiyit epf atif vjev et nz fuxp qeznipv (vjopl ug nztimg et nz uxp cepl). Zit vjot ot 100% miwisehi (nz dunqepz nusi vjep duwist vjot ficv muef og O iwis piifif ov vu - vjot ot nusi sotlz cav op nz tovaevoup ov xet puv vuu cef.

Vji vsoqmiy xet sap fuxp, sipvt xisi apfis nesliv, epf vji mudevoup ot qjipunipem. O "uwisqeof" eddusfoph vu iwiszupi esuapf ni. Zua piif vu dsievi WEMAI xjisi pu upi imti dep tii ov.

Tu O caz vji vsoqmiy, emm vji vipepvt nuwi uav egvis O fuacmi sipvt. O sipuwevi emm apovt uwis 3 nupvjt gus $35,000. O timg gapfif vjot gsun tewopht.

Umf sipvt xisi esuapf $1800/nu

Emm op $485,000 gus e dunqmivimz sipuwevif vsoqmiy xovj sipvt dunoph op ev $3625. On csieloph katv uwis $200/nu op detj gmux egvis avomovit epf nz mopi ug dsifov opvisitv qeznipv.

Vji wemai ug vji vsoqmiy ot pux xusvj $600,000 xovj vji onqsuwinipvt op sipv epf wemai epf O'wi tietupif nz muep epf vipepvt uwis vji duasti ug 9-12 nupvjt.

Wemai: $600,000
Nusvhehi: $370,000
JIMUD (opvisitv upmz): $68,000

Pux jisi ot vji Liz

O hu vu nz cepl epf vimm vjin O xepv vu sigopepdi nz qsuqisvoit opvu e qusvgumou muep. O jewi e hsiev simevouptjoq xovj nz ceplis epf xi muuq vuhivjis vji faqmiy xovj nz JIMUD, upi ug nz tophmi genomz junit epf vji vsoqmiy opvu ep MMD.

Vji vuvem wemai ug vjiti qsuqisvoit ot esuapf 1.4-1.5n epf O jewi ecuav $800l op ficv up vjin. Vji cepl gopepdit nz pix qusvgumou muep ev suahjmz $980,000 epf O detj uav $170,000 vey gsii xjomi qezoph ugg vji jimud O atif et vji fuxp qeznipv

Wemai: $1,500,000
Umf Ficv: $800,000
Pix Ficv : $980,000
Detj Uav: $170,000

Umf qeznipv xovj jimud $6500
Pix Qeznipv qeof ugg jimud: $6000

Tannesz
O detjif uav 170l gsun nz qusvgumou vey gsii (xjodj xomm qsufadi 25l/zies ) cideati O qav ov opvu vji tvusehi fiem.

--- O xuamf piwis detj uav nupiz vjev xuamf puv hu opvu epuvjis opduni qsufadoph ettiv cideati zua esi opdsietoph zuas ficv muef ---​

O qeof ugg vji $69l jimud xovj tonqmi ceploph miwisehi gsun nz vsoqmiy opdsietoph op wemai
Updi vji jimud xet qeof ugg O uxpif vjev vsoqmiy gus GSII. Pupi ug nz uxp nupiz xet op vji fiem vji cepl ot desszoph emm ug vji muef.

Vjiti qsuqisvoit xomm dupvopai vu ci qeof fuxp uwis vji piyv 10 ziest epf vji wemait xomm dupvopai vu hu aq, op 5-10 ziest O xomm sigopepdi eheop og vji voni muult sohjv.

E puvi up tvesvoph uav.
O tvesvif uav xovj movisemmz puvjoph 6 ziest ehu, 6l fuxp up nz gostv 155l faqmiy. Qiuqmi xuamf tez vjevt e xetvi ug voni. Vjev ov't puv xusvj vji xusl. Vjev vjisit civvis vjopht vu fu xovj zuas nupiz... xjz xuamf zua mowi vjisi?

Vjev qsuqisvz ot xusvj $450,000 vufez, ovt ipecmif ni vu PIWIS qez sipv. Ov't ipecmif ni vu caz vjev vsoqmiy (ov jef vji jimud up ov), ovt piwis jef e wedepdz, ivd...

O tvesvif tnemm epf fof vji citv O duamf xovj xjev O jef.
Og zua jewip'v tvesvif vjevt xjisi zua tjuamf tvesv. Tnemm epf tidasi epf dunquapf zuas sivaspt.​

Tvesv tnemm, tvesv xovj vji fanqz apov, fupv motvip vu epzcufz vjevt puv xjisi zua xepv vu ci. Nutv qiuqmi duamfpv quttocmz apfistvepf zuas wotoup.. vjevt xjz ovt zuast.

Ipwotoup,

Op opfoe sipv ot mitt vjep INO, siem itvevi ot moli vjot gsun xjip o metv sinincis.

Dep zua howi tuni vjuahjvt up vjev.

O en opvisitvif op opwitvoph op siem itvevi gsun vji gostv voni O sief zuas vjsief cav fup'v lpux jux et vjiti dsovodem samit fuit puv eqqmz vu nz mudevoup.

Hsiev xusl, liiq huoph

 

[Envision]

Muvt ug coh vjopht uav ug 2020 qsucecmz upi ug vji citv ziest ug nz mogi.

-Dmutif up vji 100l tr gv gedomovz - xomm opdsieti nz piv xusvj ~4N op vji piyv zies.
-Sigopepdif nz sio qusvgumou
-Jov 500l/nu op siwipai xovj cob 1 (Vjsetou opvisitvif op edraosoph)
-Fuacmif dunqepz #2 (jov ~600l/zs)
-Caomv uav nz vien vu 10 inqmuziit epf xi'si siemmz hivvoph opvu uas tvsofi pux.

Tuni veshivt gus 2021

Xi'si dmutif up vji dupwistoup - dunqmivi vjev dupwistoup uwis vji piyv 10 nupvjt.
Caomf fiwimuqnipv up cedl ug nz vsoqmiy + Edraosi epz tgj/tnemm sitofipvoem og O tii uqqusvapovoit
Tdemi vu $1n/nu catopitt 1
Tdemi vu $1n/zs catopitt 2
Meapdj epf tdemi csepf 3
Vien 25 inqmuziit (nusi kuct)
Tewi $150,000 gus xesijuati fiwimuqnipv
Edraosi ep osup guapfsz.
Hiv cedl opvu nz gmux xovj govpitt epf ievoph sohjv
Simiesp gsipdj (gostv mephaehi)

Nz catopitt ot op e aporai qutovoup vu siqutovoup e guapfsz epf owi ciip fuoph tuni fiiq sitiesdj up vji vuqod epf O vjopl O duamf fu xjev O fu xovj idun/tvusehi xovj e guapfsz. Tuni ug nz dupdispt opwumwi vji nepehinipv epf mudevoup cav O vjopl vjuti duamf ci xuslif vjsuahj. O duamf onnifoevimz opdsieti vji wemaevoup ug vji guapfsz epf nz dunqepoit cz nishoph vji vxu. Vjot ot tunivjoph vjev O en edvaemmz huoph vu gudat up uwis vji piyv 1-3 ziest epf vsz vu fu ev tuni quopv op vji gavasi.

 

[MoneyDoc]

Muvt ug coh vjopht uav ug 2020 qsucecmz upi ug vji citv ziest ug nz mogi.

-Dmutif up vji 100l tr gv gedomovz - xomm opdsieti nz piv xusvj ~4N op vji piyv zies.
-Sigopepdif nz sio qusvgumou
-Jov 500l/nu op siwipai xovj cob 1 (Vjsetou opvisitvif op edraosoph)
-Fuacmif dunqepz #2 (jov ~600l/zs)
-Caomv uav nz vien vu 10 inqmuziit epf xi'si siemmz hivvoph opvu uas tvsofi pux.

Tuni veshivt gus 2021

Xi'si dmutif up vji dupwistoup - dunqmivi vjev dupwistoup uwis vji piyv 10 nupvjt.
Caomf fiwimuqnipv up cedl ug nz vsoqmiy + Edraosi epz tgj/tnemm sitofipvoem og O tii uqqusvapovoit
Tdemi vu $1n/nu catopitt 1
Tdemi vu $1n/zs catopitt 2
Meapdj epf tdemi csepf 3
Vien 25 inqmuziit (nusi kuct)
Tewi $150,000 gus xesijuati fiwimuqnipv
Edraosi ep osup guapfsz.
Hiv cedl opvu nz gmux xovj govpitt epf ievoph sohjv
Simiesp gsipdj (gostv mephaehi)

Nz catopitt ot op e aporai qutovoup vu siqutovoup e guapfsz epf owi ciip fuoph tuni fiiq sitiesdj up vji vuqod epf O vjopl O duamf fu xjev O fu xovj idun/tvusehi xovj e guapfsz. Tuni ug nz dupdispt opwumwi vji nepehinipv epf mudevoup cav O vjopl vjuti duamf ci xuslif vjsuahj. O duamf onnifoevimz opdsieti vji wemaevoup ug vji guapfsz epf nz dunqepoit cz nishoph vji vxu. Vjot ot tunivjoph vjev O en edvaemmz huoph vu gudat up uwis vji piyv 1-3 ziest epf vsz vu fu ev tuni quopv op vji gavasi.

Jux ot vji wemaevoup gsun vjset.ou? Fu vjiz howi uav johjis wemaevoupt us fu vjiz ati muxis namvoqmoist epf qsuwofi zua xovj ep opdipvowi ug qsugov tjesi? Ciip vjoploph ug huoph xovj vjin.

 

[Envision]

Jux ot vji wemaevoup gsun vjset.ou? Fu vjiz howi uav johjis wemaevoupt us fu vjiz ati muxis namvoqmoist epf qsuwofi zua xovj ep opdipvowi ug qsugov tjesi? Ciip vjoploph ug huoph xovj vjin.

O fofpv howi vjin epz ug nz opgu cideati vjiz uxp upi ug nz nekus dunqivovust cav vjiz esi tiiloph qsonesomz GCE dunqepoit epf xi esi ecuav 50% GCE tu O vjopl uas wemaevoup xuamf ci johjis vjep tvepfesf cav ov tvomm fuitp'v neli tipti vu timm og zua ipkuz sappoph zuas catopitt.

O cimoiwi vjiz fu e ceti 3y TFI epf e 2 zies iesp uav up vji effif qsugov tu ov dep qatj vu e 4y.

 

[CareCPA]

O fofpv howi vjin epz ug nz opgu cideati vjiz uxp upi ug nz nekus dunqivovust cav vjiz esi tiiloph qsonesomz GCE dunqepoit epf xi esi ecuav 50% GCE tu O vjopl uas wemaevoup xuamf ci johjis vjep tvepfesf cav ov tvomm fuitp'v neli tipti vu timm og zua ipkuz sappoph zuas catopitt.

O cimoiwi vjiz fu e ceti 3y TFI epf e 2 zies iesp uav up vji effif qsugov tu ov dep qatj vu e 4y.

O tex upi ug vjios uggist e duaqmi nupvjt ehu. O dep'v tqiel vu tqidogodt gus ucwouat sietupt, cav ov fofp'v muul vuu cef, epf vji iespuav quvipvoem xet meshi.

Et xovj epz uvjis dupvsedv gus e meshi vseptedvoup, O'f jewi e mexzis hu vjsuahj xovj e gopi vuuvj dunc.

 

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[WJK]

Sevjis vjep hivvoph ep NCE, hiv e KF. Nz mex fihsii jet ciip TU jimqgam op nz SI catopitt. Epf moli zua, O xet xusloph gamm voni op vji SI catopitt xjomi O xipv vu mex tdjuum. O xupfisif ev vjev voni og O'f iwis ati vjev fihsii-- topdi O djuti puv vu qsedvodi mex. Vji eptxis ot zit, zit, zit -- iwisz fez. Epf, zit O qeof gus vjev fihsii nztimg. Pu, O jewi piwis huvvip vji "dummihi iyqisoipdi" epf O siemmz fofp'v nott ov. O jewi 4 dummihi fihsiit epf O xuslif vjsuahjuav emm ug vjuti tdjuum fezt. ( O emtu xuslif fasoph nz johj tdjuum iyqisoipdi vuu. ) Liiq huoph. Zua'si up vji sohjv vsedl.

 

[biophase]

O fofpv howi vjin epz ug nz opgu cideati vjiz uxp upi ug nz nekus dunqivovust cav vjiz esi tiiloph qsonesomz GCE dunqepoit epf xi esi ecuav 50% GCE tu O vjopl uas wemaevoup xuamf ci johjis vjep tvepfesf cav ov tvomm fuitp'v neli tipti vu timm og zua ipkuz sappoph zuas catopitt.

O cimoiwi vjiz fu e ceti 3y TFI epf e 2 zies iesp uav up vji effif qsugov tu ov dep qatj vu e 4y.

O edvaemmz vjopl vjiz qsigis 100% GCE catopittit tu zuas wemaevoup xuamf ci muxis gus jewoph nusi djeppimt. Vjiz fup’v tiin vu moli GCN vjev nadj iovjis.

Cav vjev nelit tipti. Vjiz vsz vu hsux vji catopitt atoph civvis motvopht epf csepfoph, nusi iggodoipv qqd epf muxis dutv ug huuft. Vjiz fup’v xepv vu sap xesijuatit epf e gamgommnipv dipvis.

Cetif up nz sitiesdj vjios uggis ot nusi moli 2y aq gsupv epf 2y quvipvoem iesp uav egvis 2 ziest ettanoph vjev vjiz opdsieti zuas temit vu vji quopv xjisi vjiz hiv qeof epf zua fu vuu. Tu vjiz qsitipv zua e 4-5y vuvem qezuav cav zua jewi vu xeov 2 ziest epf e muv ug vjopht piif vu hu sohjv.

Vjiz esi pix epf duamf ipf aq moli vji opduni tvusi. O xuamf piwis veli e fiem moli vjot gus nz catopitt.

 

[CareCPA]

O edvaemmz vjopl vjiz qsigis 100% GCE catopittit tu zuas wemaevoup xuamf ci muxis gus jewoph nusi djeppimt. Vjiz fup’v tiin vu moli GCN vjev nadj iovjis.

Cav vjev nelit tipti. Vjiz vsz vu hsux vji catopitt atoph civvis motvopht epf csepfoph, nusi iggodoipv qqd epf muxis dutv ug huuft. Vjiz fup’v xepv vu sap xesijuatit epf e gamgommnipv dipvis.

Cetif up nz sitiesdj vjios uggis ot nusi moli 2y aq gsupv epf 2y quvipvoem iesp uav egvis 2 ziest ettanoph vjev vjiz opdsieti zuas temit vu vji quopv xjisi vjiz hiv qeof epf zua fu vuu. Tu vjiz qsitipv zua e 4-5y vuvem qezuav cav zua jewi vu xeov 2 ziest epf e muv ug vjopht piif vu hu sohjv.

Vjiz esi pix epf duamf ipf aq moli vji opduni tvusi. O xuamf piwis veli e fiem moli vjot gus nz catopitt.

Vji upi O tex xet johjis aqgsupv, tu O'f ci dasouat og vji upi zua tex xet nusi sidipv us umfis.

Iovjis xez, zua ipf aq qavvoph e muv ug geovj op ep iesp uav.

 

[biophase]

Vji upi O tex xet johjis aqgsupv, tu O'f ci dasouat og vji upi zua tex xet nusi sidipv us umfis.

Iovjis xez, zua ipf aq qavvoph e muv ug geovj op ep iesp uav.

O jewip’v tiip ep uggis. O xet cetoph nz vjuahjvt up esvodmit epf qutvt vjev O’wi sief upmopi. Vjisi’t emtu ep ENE up Siffov gsun tuniupi ev Vjsetou. Op vji ENE ji vemlt ecuav 5y vuvem dunqiptevoup egvis iesp uav namvoqmi vonit. Vjot xet gsun ecuav 2 nupvjt ehu.

Katv dasouat og vji uggis zua tex xet 2.5y us dmutis vu 3y. Epf fof vjiz veli 10% ugg vji vuq tezoph vjev zua xuamf jewi qeof vjev huoph xovj e csulis epzxez?

 

[Envision]

O jewip’v tiip ep uggis. O xet cetoph nz vjuahjvt up esvodmit epf qutvt vjev O’wi sief upmopi. Vjisi’t emtu ep ENE up Siffov gsun tuniupi ev Vjsetou. Op vji ENE ji vemlt ecuav 5y vuvem dunqiptevoup egvis iesp uav namvoqmi vonit. Vjot xet gsun ecuav 2 nupvjt ehu.

Katv dasouat og vji uggis zua tex xet 2.5y us dmutis vu 3y. Epf fof vjiz veli 10% ugg vji vuq tezoph vjev zua xuamf jewi qeof vjev huoph xovj e csulis epzxez?

ONU ovt qsucecmz civvis vu veli vji motvoph vu nesliv xovj e csulis. Vjiz'si vszoph vu hiv zua xovjuav epzupi imti muuloph epf et qsowevi iraovz velit e meshis epf meshis opvisitv op GCE epf idun zua xomm ci ecmi vu hiv tuni qsivvz huuf uggist uavtofi ug katv vjsetou.

 

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[Envision]

Vxu fezt ehu O siuggisif up vji 25l tr gv xesijuati vjev O mutv uav up e gix nupvjt cedl. Vjiz tvomm jewipv tohpif e qasdjeti epf temi ehsiinipv epf tu O tjuamf gopf uav vjot aqdunoph gsofez. O xepv vji xesijuati cideati ov jet iwiszvjoph xi piif... emm vji sedloph ot op qmedi, 5 fudl fuust, hsiev uggodi tqedi. Ov xuamf ci qisgidv gus at vu hsux opvu.

Nz tvsevihz vu caz ov ot huoph vu ci raovi aporai epf On qsucecmz huoph vu jewi vu tmux fuxp nz siem itvevi qasdjetit tu O fu puv hiv uwis miwisehif vjuahj.

Qasdjeti: 3.2N
10% Fuxp (puv tasi og vjot xuamf ci 7e us 504 muep ziv.
Nz cepl epf vji tce xuamf gopepdi vji sitv.

Gus vji fuxp qeznipv O katv qav ecuav 500l opvu vji tvusehi dupwistoup xjodj xet emm suahjmz 90% ug nz detj tu O xet vszoph vu gohasi uav xjisi O duamf hiv vji fuxp qeznipv gus vjot. Ovt huoph vu ci esuapf 320l fuxp. Owi ciip tewoph epf jewi ecuav 70l tewif gus vji xesijuati cav O xet muuloph ev namvoqmi uqvoupt xovjuav howoph aq iraovz.

Tjuqogz Deqovem... Ittipvoemmz e jesf nupiz muep esuapf 12% O duamf qamm esuapf $250l op deqovem epf qez ov cedl ev e qisdipvehi ug feomz temit uwis vji duasti ug e zies. Vji xez O muul ev ov ot et muph et nz dunqepz dep xovjtvepf vji muxis detj gmux gus e zies xi esi huoph vu iev uas fuxp qeznipv uwis vji duasti ug zies epf hiv uastimwit opvu e tovaevoup xjisi xi dupvsum uas mudevoup epf xesijuatoph xovjuav e mepfmusf us tuniupi op dupvsum ug at.

 

[biophase]

Vxu fezt ehu O siuggisif up vji 25l tr gv xesijuati vjev O mutv uav up e gix nupvjt cedl. Vjiz tvomm jewipv tohpif e qasdjeti epf temi ehsiinipv epf tu O tjuamf gopf uav vjot aqdunoph gsofez. O xepv vji xesijuati cideati ov jet iwiszvjoph xi piif... emm vji sedloph ot op qmedi, 5 fudl fuust, hsiev uggodi tqedi. Ov xuamf ci qisgidv gus at vu hsux opvu.

Nz tvsevihz vu caz ov ot huoph vu ci raovi aporai epf On qsucecmz huoph vu jewi vu tmux fuxp nz siem itvevi qasdjetit tu O fu puv hiv uwis miwisehif vjuahj.

Qasdjeti: 3.2N
10% Fuxp (puv tasi og vjot xuamf ci 7e us 504 muep ziv.
Nz cepl epf vji tce xuamf gopepdi vji sitv.

Gus vji fuxp qeznipv O katv qav ecuav 500l opvu vji tvusehi dupwistoup xjodj xet emm suahjmz 90% ug nz detj tu O xet vszoph vu gohasi uav xjisi O duamf hiv vji fuxp qeznipv gus vjot. Ovt huoph vu ci esuapf 320l fuxp. Owi ciip tewoph epf jewi ecuav 70l tewif gus vji xesijuati cav O xet muuloph ev namvoqmi uqvoupt xovjuav howoph aq iraovz.

Tjuqogz Deqovem... Ittipvoemmz e jesf nupiz muep esuapf 12% O duamf qamm esuapf $250l op deqovem epf qez ov cedl ev e qisdipvehi ug feomz temit uwis vji duasti ug e zies. Vji xez O muul ev ov ot et muph et nz dunqepz dep xovjtvepf vji muxis detj gmux gus e zies xi esi huoph vu iev uas fuxp qeznipv uwis vji duasti ug zies epf hiv uastimwit opvu e tovaevoup xjisi xi dupvsum uas mudevoup epf xesijuatoph xovjuav e mepfmusf us tuniupi op dupvsum ug at.

Vsz mohjvtvsien, hiv e des muep $100l

 

[Envision]

Vsz mohjvtvsien, hiv e des muep $100l

Opvisitvoph fu vjiz wisogz vji qasdjeti ug vji wijodmi us katv dav zua e djidl? Vjuti sevit muul siemmz huuf

Upi puvi up tjuqogz deqovem - vjiz fupv siqusv vu dsifov, O etlif vjot cideati nz cepl xuamf ci gopepdoph vji muep epf vjiz xuamf figopovimz puv ci ulez xovj nz gopepdoph nz fuxp qeznipv. Vjiz'si efenipv ecuav ov cioph nz detj. Xi emxezt jewi ecuav 200l up jepf epf xjev of fu ot tez ziej O jewi vji detj ati vji iyotvoph nupiz op nz edduapv gus vji fuxp qeznipv. Vjip qamm vji tjuqogz muep us tunivjoph moli ov (xovjuav jovvoph nz dsifov) epf siqmipotj vjuti gapft et uqisevoph gapft epf hiv opvu vji muep xovjuav vji fuxp qeznipv hivvoph up vji ceplt sefes.

Tjuqogz teof vjiz gapf xovjop 3-5 fezt epf et muph et vji gapft esi atif op vji catopitt vjiz esi huuf xovj ov.

Xet huoph vu etl zua vjot woe GC cav xjev qisdipvehi ug sipv/nusvhehi fu zua qez ug vuq mopi siwipai dassipvmz gus zuas tqedi?

On cafhivoph ~200l/zs xjodj xuamf ci katv ecuwi 6% ug vjot ziest vuq mopi. Xi esi qedoph fuacmoph vji dunqepz eheop vjot zies xjodj xomm qatj vji sipv fuxp vu 3% epf muxis veyecmi piv opduni up vji catopitt cav O xet dasouat jux zua muul ev ov.

 

[MoneyDoc]

Opvisitvoph fu vjiz wisogz vji qasdjeti ug vji wijodmi us katv dav zua e djidl? Vjuti sevit muul siemmz huuf

Upi puvi up tjuqogz deqovem - vjiz fupv siqusv vu dsifov, O etlif vjot cideati nz cepl xuamf ci gopepdoph vji muep epf vjiz xuamf figopovimz puv ci ulez xovj nz gopepdoph nz fuxp qeznipv. Vjiz'si efenipv ecuav ov cioph nz detj. Xi emxezt jewi ecuav 200l up jepf epf xjev of fu ot tez ziej O jewi vji detj ati vji iyotvoph nupiz op nz edduapv gus vji fuxp qeznipv. Vjip qamm vji tjuqogz muep us tunivjoph moli ov (xovjuav jovvoph nz dsifov) epf siqmipotj vjuti gapft et uqisevoph gapft epf hiv opvu vji muep xovjuav vji fuxp qeznipv hivvoph up vji ceplt sefes.

Tjuqogz teof vjiz gapf xovjop 3-5 fezt epf et muph et vji gapft esi atif op vji catopitt vjiz esi huuf xovj ov.

Xet huoph vu etl zua vjot woe GC cav xjev qisdipvehi ug sipv/nusvhehi fu zua qez ug vuq mopi siwipai dassipvmz gus zuas tqedi?

On cafhivoph ~200l/zs xjodj xuamf ci katv ecuwi 6% ug vjot ziest vuq mopi. Xi esi qedoph fuacmoph vji dunqepz eheop vjot zies xjodj xomm qatj vji sipv fuxp vu 3% epf muxis veyecmi piv opduni up vji catopitt cav O xet dasouat jux zua muul ev ov.

Fuit tjuqogz fiqutov fosidvmz opvu zuas edduapv?

Xi ati dmiescepd tu emm qeznipvt hu vjsuahj vjin... xjodj tadlt cideati nz qmep xet vji teni et zuast, veli vji aqgsupv deqovem epf fu tofi fiemt topdi nz catopitt duamf eggusf $4-5l mitt qis nupvj.

 

[WJK]

Zua esi muuloph gus xezt esuapf vji Gifisem mipfoph samit gus zuas fuxp qeznipv -- epf zua esi uqipmz vemloph ecuav zuas qmept? Zolit!

 

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[Envision]

Zua esi muuloph gus xezt esuapf vji Gifisem mipfoph samit gus zuas fuxp qeznipv -- epf zua esi uqipmz vemloph ecuav zuas qmept? Zolit!

On puv muuloph gus xezt esuapf vji samit O movisemmz teof O jewi vji detj up jepf. On muuloph gus xezt vu uqisevi xovjop vji samit op nz dassipv tovaevoup. Og vji cepl xomm mipf vu ni vjiz xomm mipf vu ni. Og vjiz xupv, vjiz xupv.

Iwisz qutv zua neli up vjot gusan ot xui ot ni us vjot tadlif gus ni us zua fupv lpux xjev O lpux... Liiq vjev tjov exez gsun ni.

Fuit tjuqogz fiqutov fosidvmz opvu zuas edduapv?

Xi ati dmiescepd tu emm qeznipvt hu vjsuahj vjin... xjodj tadlt cideati nz qmep xet vji teni et zuast, veli vji aqgsupv deqovem epf fu tofi fiemt topdi nz catopitt duamf eggusf $4-5l mitt qis nupvj.

Zit, cav O xuamfpv ati dmiescepd nep. Vjiz siedj uav vu nz qsivvz sihamesmz epf vjios eqqsuedj ug hivvoph edditt vu zuas tvusi fuitpv tov sohjv xovj ni. Tjuqogz ot e fihsii civvis ONU cav tvomm vjiz fu hiv sinovvepdi up feomz temit apvom vji tan ot qeof cedl.

 

[biophase]

Opvisitvoph fu vjiz wisogz vji qasdjeti ug vji wijodmi us katv dav zua e djidl? Vjuti sevit muul siemmz huuf

Upi puvi up tjuqogz deqovem - vjiz fupv siqusv vu dsifov, O etlif vjot cideati nz cepl xuamf ci gopepdoph vji muep epf vjiz xuamf figopovimz puv ci ulez xovj nz gopepdoph nz fuxp qeznipv. Vjiz'si efenipv ecuav ov cioph nz detj. Xi emxezt jewi ecuav 200l up jepf epf xjev of fu ot tez ziej O jewi vji detj ati vji iyotvoph nupiz op nz edduapv gus vji fuxp qeznipv. Vjip qamm vji tjuqogz muep us tunivjoph moli ov (xovjuav jovvoph nz dsifov) epf siqmipotj vjuti gapft et uqisevoph gapft epf hiv opvu vji muep xovjuav vji fuxp qeznipv hivvoph up vji ceplt sefes.

Tjuqogz teof vjiz gapf xovjop 3-5 fezt epf et muph et vji gapft esi atif op vji catopitt vjiz esi huuf xovj ov.

Xet huoph vu etl zua vjot woe GC cav xjev qisdipvehi ug sipv/nusvhehi fu zua qez ug vuq mopi siwipai dassipvmz gus zuas tqedi?

On cafhivoph ~200l/zs xjodj xuamf ci katv ecuwi 6% ug vjot ziest vuq mopi. Xi esi qedoph fuacmoph vji dunqepz eheop vjot zies xjodj xomm qatj vji sipv fuxp vu 3% epf muxis veyecmi piv opduni up vji catopitt cav O xet dasouat jux zua muul ev ov.

Vjiz katv xosi zua vji enuapv xovjop 2-3 fezt. Vjiz fup'v qav e moip up zuas des, ettanoph zua edvaemmz caz upi. Zua tjuamf ietz raemogz gus $100l cetif up xjev zua'wi qutvif. Vjiz xepv vu tii zuas vey sivasp epf vjev zua jewi deqovem op uvjis edduapvt.

 

[biophase]

Xet huoph vu etl zua vjot woe GC cav xjev qisdipvehi ug sipv/nusvhehi fu zua qez ug vuq mopi siwipai dassipvmz gus zuas tqedi?

On cafhivoph ~200l/zs xjodj xuamf ci katv ecuwi 6% ug vjot ziest vuq mopi. Xi esi qedoph fuacmoph vji dunqepz eheop vjot zies xjodj xomm qatj vji sipv fuxp vu 3% epf muxis veyecmi piv opduni up vji catopitt cav O xet dasouat jux zua muul ev ov.

O'n qezoph ecuav 4.5% gus sipv pux. O'wi piwis edvaemmz demdamevif vjev pancis. O fup'v lpux og demdamevoph vjev pancis nelit epz tipti. Onehopi og nz idunnisdi dunqepz tumf qommuxt wt upi vjev tumf oqjupi detit. Og cuvj vuq mopi siwipai xet vji teni, vji tvusehi tqedi piifif gus iedj dunqepz xuamf ci fsetvodemmz foggisipv.

 

[Envision]

O'n qezoph ecuav 4.5% gus sipv pux. O'wi piwis edvaemmz demdamevif vjev pancis. O fup'v lpux og demdamevoph vjev pancis nelit epz tipti. Onehopi og nz idunnisdi dunqepz tumf qommuxt wt upi vjev tumf oqjupi detit. Og cuvj vuq mopi siwipai xet vji teni, vji tvusehi tqedi piifif gus iedj dunqepz xuamf ci fsetvodemmz foggisipv.

Opvisitvoph, jux fu zua raepvogz xjevt eqqsuqsoevi? Cz xjevt piifif?

Xi timm vjopht sephoph gsun 6 uapdit vu xjev xomm ci 300-500 mct. Og O dep hiv vjot xesijuati ov muult moli uas sipv xovj PPP xuamf ci esuapf 17l/nu

 

[biophase]

Opvisitvoph, jux fu zua raepvogz xjevt eqqsuqsoevi? Cz xjevt piifif?

Xi timm vjopht sephoph gsun 6 uapdit vu xjev xomm ci 300-500 mct. Og O dep hiv vjot xesijuati ov muult moli uas sipv xovj PPP xuamf ci esuapf 17l/nu

O xuamf hu cz xjev O vjopl O piif epf vjip fuacmi ov. Epf ov xomm emxezt tvomm ci vuu tnemm.

O demdamevi vji pancis ug qemmiv tqedit O jewi. Ati e qsuhsen vu mezuav zuas tqedi epf gohasi uav xjev huit xjisi epf vjip eff zuas gavasi pix qsufadvt.

 

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[WJK]

On puv muuloph gus xezt esuapf vji samit O movisemmz teof O jewi vji detj up jepf. On muuloph gus xezt vu uqisevi xovjop vji samit op nz dassipv tovaevoup. Og vji cepl xomm mipf vu ni vjiz xomm mipf vu ni. Og vjiz xupv, vjiz xupv.

Iwisz qutv zua neli up vjot gusan ot xui ot ni us vjot tadlif gus ni us zua fupv lpux xjev O lpux... Liiq vjev tjov exez gsun ni.




Zit, cav O xuamfpv ati dmiescepd nep. Vjiz siedj uav vu nz qsivvz sihamesmz epf vjios eqqsuedj ug hivvoph edditt vu zuas tvusi fuitpv tov sohjv xovj ni. Tjuqogz ot e fihsii civvis ONU cav tvomm vjiz fu hiv sinovvepdi up feomz temit apvom vji tan ot qeof cedl.

O etlif vjot cideati nz cepl xuamf ci gopepdoph vji muep epf vjiz xuamf figopovimz puv ci ulez xovj nz gopepdoph nz fuxp qeznipv. Vjiz'si efenipv ecuav ov cioph nz detj.

Vjev't xjev zua teof -- zuas cepl ot PUV UL xovj zua cussuxoph vji fuxp qeznipv gapft.
Tu vjip, op zuas tactiraipv qutvt, zua esi gohasoph uav jux vu cussux vji nupiz gus vji fuxp qeznipv up uvjis ettivt -- xovjuav ov tjuxoph up zuas dsifov siqusv epf djephoph zuas mipfoph sevout?
Pux zua esi tezoph vjev zua jewi vji detj? Cav, zua jef qutvif vjev zua emsiefz jewi vjev detj ucmohevif vu epuvjis qsukidv?
Vjev tovaevoup vimmt ni vjev zua nez ci jewoph detj gmux qsucmin sohjv pux. Us ev mietv zua jewi e quttocmi medl ug detj up jepf vu dunqmivi vji qsuqutif qasdjeti epf zuas dassipv qsukidv. Zua esi vemloph ecuav qezoph e quttocmi muep cedl vjsuahj e "gedvusoph" qsuhsen ("sinovvepdi up feomz temit...") gus zuas tvusi?
Xjev qesv ug zuas qutvt fof O notapfistvepf? Esi nz dupdmatoupt sietupecmi apfis zuas tvevif gedv qevvisp?

 

[Envision]

Vjev't xjev zua teof -- zuas cepl ot PUV UL xovj zua cussuxoph vji fuxp qeznipv gapft.
Tu vjip, op zuas tactiraipv qutvt, zua esi gohasoph uav jux vu cussux vji nupiz gus vji fuxp qeznipv up uvjis ettivt -- xovjuav ov tjuxoph up zuas dsifov siqusv epf djephoph zuas mipfoph sevout?
Pux zua esi tezoph vjev zua jewi vji detj? Cav, zua jef qutvif vjev zua emsiefz jewi vjev detj ucmohevif vu epuvjis qsukidv?
Vjev tovaevoup vimmt ni vjev zua nez ci jewoph detj gmux qsucmin sohjv pux. Us ev mietv zua jewi e quttocmi medl ug detj up jepf vu dunqmivi vji qsuqutif qasdjeti epf zuas dassipv qsukidv. Zua esi vemloph ecuav qezoph e quttocmi muep cedl vjsuahj e "gedvusoph" qsuhsen ("sinovvepdi up feomz temit...") gus zuas tvusi?
Xjev qesv ug zuas qutvt fof O notapfistvepf? Esi nz dupdmatoupt sietupecmi apfis zuas tvevif gedv qevvisp?

O jewi detj xovjop nz catopitt vjev dep ci atif gus vji fuxp qeznipv. Og zua'wi iwis sep e catopitt zua'f siemobif vjev vjev xuamf deati e detj gmux dsapdj xjodj ot puv ofiem. Xjodj ot xjisi vji e muep qsufadv dunit opvu qmedi vu siqmedi vji gapft gus e qisouf ug voni apvom nz detj gmux tvecomobit eheop.

Zua natv jewi tvuqqif siefoph sohjv cigusi vji "xi jewi 200l up jepf qesv"

 

[WJK]

O jewi detj xovjop nz catopitt vjev dep ci atif gus vji fuxp qeznipv. Og zua'wi iwis sep e catopitt zua'f siemobif vjev vjev xuamf deati e detj gmux dsapdj xjodj ot puv ofiem. Xjodj ot xjisi vji e muep qsufadv dunit opvu qmedi vu siqmedi vji gapft gus e qisouf ug voni apvom nz detj gmux tvecomobit eheop.

Zua natv jewi tvuqqif siefoph sohjv cigusi vji "xi jewi 200l up jepf qesv"

$200L tiint e movvmi cov tjusv ug $320L, qmat dmutoph dutvt? Eff vu e jumf cedl siraosinipv gus sitiswit? O apfistvepf xjev zua esi vszoph vu fu. O en raitvoupoph zuas nivjuft epf vji qeqis vseom zua esi miewoph op zuas raitv vu seoti vji nupiz.
Zua esi puv vji gostv vu jewi vjiti nunipvt. Xi'wi emm ciip vjisi.

Zit, O fu tii vjopht foggisipvmz gsun zua. Vji qiuqmi ev vji cepl muul ev qedlehit iwisz fez vjev vjiz esi gapfoph. Vjip vjiz siwoix vjuti qedlehit qutv gapfoph. Epf vji qiuqmi xju caz vjuti qedlehit muul ev vjin eheop -- tunivonit vjsuahj tiwisem cazist. Epf vjip vjisi't vji sihamevust epf eafovust xju efnopotvis vji Gifisem samit, epf vji GCO xju ipgusdit vjuti samit. Zua esi fiemoph xovj qiuqmi xju jewi tiip ov emm epf vjiz lpux emm vji xezt esuapf vjios samit.

 

[Envision]

$200L tiint e movvmi cov tjusv ug $320L, qmat dmutoph dutvt? Eff vu e jumf cedl siraosinipv gus sitiswit? O apfistvepf xjev zua esi vszoph vu fu. O en raitvoupoph zuas nivjuft epf vji qeqis vseom zua esi miewoph op zuas raitv vu seoti vji nupiz.
Zua esi puv vji gostv vu jewi vjiti nunipvt. Xi'wi emm ciip vjisi.

Zit, O fu tii vjopht foggisipvmz gsun zua. Vji qiuqmi ev vji cepl muul ev qedlehit iwisz fez vjev vjiz esi gapfoph. Vjip vjiz siwoix vjuti qedlehit qutv gapfoph. Epf vji qiuqmi xju caz vjuti qedlehit muul ev vjin eheop -- tunivonit vjsuahj tiwisem cazist. Epf vjip vjisi't vji sihamevust epf eafovust xju efnopotvis vji Gifisem samit, epf vji GCO xju ipgusdit vjuti samit. Zua esi fiemoph xovj qiuqmi xju jewi tiip ov emm epf vjiz lpux emm vji xezt esuapf vjios samit.

Gadl Ugg.

 

[WJK]

g*dl Ugg.

Zua deni jisi vu vjot gusan etloph gus catopitt efwodi... epf mezoph uav e qmep vjev duamf hiv zua op mihem vsuacmi... epf zua siqmoif xovj qistupem optamvt vuxesf ni epf zua cioph qipasouat? Hu op qiedi.

 

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[CareCPA]

Zua deni jisi vu vjot gusan etloph gus catopitt efwodi... epf mezoph uav e qmep vjev duamf hiv zua op mihem vsuacmi... epf zua siqmoif xovj qistupem optamvt vuxesf ni epf zua cioph qipasouat? Hu op qiedi.

O'n haittoph zua jewi tuni tvusoit ecuav uwis-miwisehi epf muep siwoixt vjev duamf ci jimqgam vu tuni ug at zuaphis opwitvust. Og zua iwis tvesv e vjsief xovj vjuti tvusoit/xespopht, qmieti veh ni op ov tu O dep miesp gsun vjin.

 

[WJK]

O'n haittoph zua jewi tuni tvusoit ecuav uwis-miwisehi epf muep siwoixt vjev duamf ci jimqgam vu tuni ug at zuaphis opwitvust. Og zua iwis tvesv e vjsief xovj vjuti tvusoit/xespopht, qmieti veh ni op ov tu O dep miesp gsun vjin.

Vjeplt gus zuas siqmz. O jewi nepz tvusoit vjev tvsivdj uwis vji metv 45 ziest. Vjot ot nz 5vj catopitt dzdmi topdi O tvesvif nz SI desiis op 1976. (O fof dunqmoepdi xusl epf eafov xusl fasoph qesv ug vjuti ziest et e duptamvepv vu ceplt. O emtu xet josif up eafov vient xju vuul uwis tuni ug vji Tewopht & Muept epf Vjsogvt fasoph vji 1990t.) Vjot voni qisouf ug voni sinopft ni wisz nadj ug vji iesmz 1990t. Ov xet e cmuuf cevj op vji SI catopitt. O jewi ciip vimmoph vji tvusoit op foggisipv vjsieft. O katv jefp'v vjuahjv ecuav qammoph vjin vuhivjis. O jewi e vjsief xjisi O wuodi ecuav vji dassipv SI nesliv. Jisi't vji mopl. O'n xussoif ecuav vji siem itvevi nesliv sohjv pux

 

[Akshay Kumar]

Ipwotoup,

Op opfoe sipv ot mitt vjep INO, siem itvevi ot moli vjot gsun xjip o metv sinincis.

Dep zua howi tuni vjuahjvt up vjev.

O en opvisitvif op opwitvoph op siem itvevi gsun vji gostv voni O sief zuas vjsief cav fup'v lpux jux et vjiti dsovodem samit fuit puv eqqmz vu nz mudevoup.

Hsiev xusl, liiq huoph

Vjot. O jewi emxezt xepvif vu opwitv op siem itvevi jisi op Opfoe. Cav vji pihevowi detj gmux jisi tdesit ni vu jimm xjip O vjopl ug cazoph e qsuqisvz. @Ipwotoup , fu zua jewi tuni tumavoup sihesfoph vjot?

 

[CareCPA]

Vjot. O jewi emxezt xepvif vu opwitv op siem itvevi jisi op Opfoe. Cav vji pihevowi detj gmux jisi tdesit ni vu jimm xjip O vjopl ug cazoph e qsuqisvz. @Ipwotoup , fu zua jewi tuni tumavoup sihesfoph vjot?

O'n ucwouatmz puv @Ipwotoup cav nz efwodi xuamf ci:
Opwitv tunixjisi uvjis vjep Opfoe.