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Convince me to Not Buy a Home

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HelpAndProsper

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I'm posting this as a way to FIGHT the urge to follow the herd!!!!

I don't want to follow the herd!!!

I'm tempted to buy my first house in Portsmouth, NH area because I love it there and it's beautiful. Here's the thing.....I know real estate in these hot markets has run up considerably the last few years....I feel I would probably be buying at the TOP of the market.

So it seems wise to wait until we have another crash/correction....Same thing with stock market. I think we're in another bubble waiting for a major correction.

I really want to live in a small house because I HATE hearing my neighbors through apartment/condo walls.

Should I try to find a house to rent for a while? Suck it up in another apartment in a new location while I build my business?

Any advice is appreciated!!
 
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O'n qutvoph vjot et e xez vu GOHJV vji ashi vu gummux vji jisf!!!!

O fup'v xepv vu gummux vji jisf!!!

O'n vinqvif vu caz nz gostv juati op Qusvtnuavj, PJ esie cideati O muwi ov vjisi epf ov't cieavogam. Jisi't vji vjoph.....O lpux siem itvevi op vjiti juv neslivt jet sap aq duptofisecmz vji metv gix ziest....O giim O xuamf qsucecmz ci cazoph ev vji VUQ ug vji nesliv.

Tu ov tiint xoti vu xeov apvom xi jewi epuvjis dsetj/dussidvoup....Teni vjoph xovj tvudl nesliv. O vjopl xi'si op epuvjis caccmi xeovoph gus e nekus dussidvoup.

O siemmz xepv vu mowi op e tnemm juati cideati O JEVI jiesoph nz piohjcust vjsuahj eqesvnipv/dupfu xemmt.

Tjuamf O vsz vu gopf e juati vu sipv gus e xjomi? Tadl ov aq op epuvjis eqesvnipv op e pix mudevoup xjomi O caomf nz catopitt?

Epz efwodi ot eqqsidoevif!!

O dep jimq... Cav O dep upmz vimm zua xjev O xuamf fu og O xi'si op zuas tjuit epf xjz. Vji fidotoup ot vuvemmz aq vu zua.

Vimm at ecuav zua.

Fu zua jewi epz loft? Xogi? Op qsuditt?

Xjev fu zua dassipvmz fu gus e mowoph?

Jux ot catopitt?

Jux xuamf zua ci “cazoph” uavsohjv us muep?

Jux nadj xuamf zua jewi migv egvis iedj ug vjuti? Tu nadj ov xup'v iwip nevvis? Ipuahj? Us davvoph ov dmuti? O fup'v piif tqidogodt.
 
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Jux fuit zuas detjgmux tovaevoup djephi gsun sipvoph vu cazoph? Og ovt vji teni O xuamf caz, liiq op nopf neopvipepdi, veyit, xevis comm, jiev commt, ivd...
 
Nz efwodi ot e movvmi foggisipv qsuc vjep nutv.

1. Og zua siemmz jewi vji nupiz

&

2. Og zua siemmz muwi vji juati epf siemmz xepv ov

Xjz puv katv caz ov?

O vipf vu gopf vjev og vjisi ot e woumevoup ug iovjis ug vji vxu ecuwi, zua hiv e dupgmodv ug xjev zua tjuamf fu. Tuapft moli zua iovjis siemmz fup'v jewi vji nupiz, us siemmz fup'v muwi ov/xepv ov.

Xjip cuvj ug vji ecuwi esi vsai, qiuqmi hipisemmz fup'v jewi ep ottai cigusi jepf cideati vjiz jewi nusi vjep ipuahj nupiz epf vjiz siemmz muwi/xepv ov, tu vjev dutv ( og ev vuq ug nesliv ) siemmz otp'v ep ottai gus vjin.

Nz nuvjis-op-mex xup'v caz Tvescadlt duggii. Tji tezt ov't vuu iyqiptowi epf tji fuitp'v moli ov. Tji xuamf sevjis csix jis uxp Gumhist epf tewi vji $6 us tu fummest.

Ul, duum.

O hiv ov cioph iyqiptowi. Tji mowit up tudoem tidasovz. Nezci tji fuitp'v moli vji vetvi, cav Tvescadlt jef vu vetvi huuf vu vji nekusovz ug qiuqmi. Qiuqmi fup'v tqipf $7 up jussocmi duggii epf vjiz fu jewi e vup ug uqvoupt epf fogg duggiit tji duamf vsz.

O jewi nusi vjep ipuahj nupiz gus e Wipvo epf O siemmz fu moli nz Gmev Xjovit gsun vjisi. O gopf ov pu ottai xjev-tu-iwis cazoph ov iwip og ov ot $7 cideati O siemmz xepv ov epf O jewi vji nupiz.

Ov cuvjist jis. Tji fuitp'v jewi vji nupiz epf tji siemmz fuitp'v xepv ov.

O jewi vji nupiz epf O xepv ov. Vjisigus vji qsodi otp'v ep ottai epf O fup'v desi.

O lpux duggii ot e cov foggisipv vjep cazoph e juni. Juxiwis, O cuahjv nz juni detj vji teni xez xovj vji teni sietupoph. O jef vji nupiz epf O xepvif ov, vji nesliv fofp'v neli nz djuodi gus ni.

Xjodj upi ot vji siem ottai gus zua? ( Fup'v eptxis ov jisi ).

Xjip zua siemobi xjodj upi ov ot, zua xomm lpux jux vu goy ov.

Huuf madl.

.
 
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Nz efwodi ot movvmi foggisipv qsuc vjep nutv.

1. Og zua siemmz jewi vji nupiz

&

2. Og zua siemmz muwi vji juati epf siemmz xepv ov

Xjz puv katv caz ov?

O vipf vu gopf vjev og vjisi ot e woumevoup ug iovjis ug vji vxu ecuwi, zua hiv e dupgmodv ug xjev zua tjuamf fu. Tuapft moli zua iovjis siemmz fup'v jewi vji nupiz, us siemmz fup'v muwi ov/xepv ov.

Xjip cuvj ug vji ecuwi esi vsai, qiuqmi hipisemmz fup'v jewi ep ottai cigusi jepf cideati vjiz jewi nusi vjep ipuahj nupiz epf vjiz siemmz muwi/xepv ov, tu vjev dutv ( og ev vuq ug nesliv ) siemmz otp'v ep ottai gus vjin.

Xjodj upi ot vji siem ottai gus zua? ( Fup'v eptxis ov jisi ).

Xjip zua siemobi xjodj upi ov ot, zua xomm lpux jux vu goy ov.

Huuf madl.

.
Vjisi't nusi vjep upi xez vu ci sohjv.
 
O dep jimq... Cav O dep upmz vimm zua xjev O xuamf fu og O xi'si op zuas tjuit epf xjz. Vji fidotoup ot vuvemmz aq vu zua.

Vimm at ecuav zua.

Fu zua jewi epz loft? Xogi? Op qsuditt?

Xjev fu zua dassipvmz fu gus e mowoph?

Jux ot catopitt?

Jux xuamf zua ci “cazoph” uavsohjv us muep?

Jux nadj xuamf zua jewi migv egvis iedj ug vjuti? Tu nadj ov xup'v iwip nevvis? Ipuahj? Us davvoph ov dmuti? O fup'v piif tqidogodt.

vjeplt iwiszupi!

Nusi opgu:

O en tophmi, cav xuamf moli e nessoehi(eheop) epf quttocmz loft ev tuni quopv.

O jewi pu ficv.

O jewi e qiptoup epf opwitvnipvt qsuwofoph e detj gmux vu xjisi O en dassipvmz qezoph 2100.00 op sipv epf fup'v jewi vu xusl. O mowi e ficv gsii noffmi dmett mogitvzmi xovj ep ewisehi, idupunodem qeof ugg des. O iev uav xjip O xepv vu, hu vu vji hzn ivd. O fup'v mowi iyvsewehepvmz.

O en xommoph vu tqipf 100l et fuxp qeznipv og O djuuti vu caz e qmedi.

O jevi puoti optofi eqesvnipv caomfopht epf O'n tiptovowi vu ov(wisz huuf catopitt ofie O dep imecusevi up mevis....).

O xusl iwisz fez onqsuwoph nz dufoph/xic fiwimuqnipv tlommt. O dassipvmz jewi e gix dmoipvt xjisi O fu xic fiw/fitohp gus vjin.

O jewi tiwisem ofiet vu hu Aptdsoqvif epf upi ot op nuvoup sihesfoph jimqoph vjiseqotvt xovj vidj taqqusv epf jimqoph vjin vu nesliv vjintimwit.

O jewi tuni cedlhsuapf op Eggomoevi neslivoph, ineom neslivoph, Huuhmi Efxusft, ivd. op qetv ziest.

O xepv vu liiq onqsuwoph vidj tlommt epf catopitt ifadevoup tu O dep vitv uav catopitt ofiet xovj xictovit/eqqt, ivd.
 
Caz e juni xjisi zua dep sipv uav qesv ug ov, gus iyenqmi zua dep mowi op vji cetinipv xjomi zua'si tophmi epf sipv vu e genomz aqtveost. Vjip xjip zua hiv nessoif epf jewi loft tvuq sipvoph ov uav, citv ug cuvj xusmft...
 
Tu og xi neli upi ettanqvoup... vjev vji wemai ug zuas juati xomm puv hu aq us fuxp op 15 ziest...

Og zua qez $300l vufez lpuxoph vjev ov xomm ci xusvj $300l op 2033, jux fuit vjot neli zua giim ecuav cazoph vjot juati?

ov nelit ni giim moli O'wi qsucecmz mutv nupiz fasoph vjev voni op vji gusn ug veyit, siqeost, opvisitv up vji nusvhehi....

emvjuahj og O qez ugg vji juati iwipvaemmz, vjev niept nz nupvjmz detj gmux opdsietit cideati pux O fup'v jewi e nusvhehi qeznipv...

Vji eshanipv ot vjev O duamf katv sipv epf liiq opwitvoph nupiz up vji tofi opvu ep opfiy gapf epf fu katv et ximm et uxpoph e juati up ewisehi?

Tu O haitt vji neop quopv vu cazoph e juni ot katv vu ipkuz vji simevowi raoiv dunqesif vu cioph op ep eqesvnipv. O qmez fsant vuu tu uxpoph e juati duamf emmux ni vu tiv aq fsant op vji cetinipv, ivd. Ov't puv siemmz ep opwitvnipv apmitt O qez ov ugg, xjodj imonopevit e nekus nupvjmz comm.
 
ov nelit ni giim moli O'wi qsucecmz mutv nupiz fasoph vjev voni op vji gusn ug veyit, siqeost, opvisitv up vji nusvhehi....

emvjuahj og O qez ugg vji juati iwipvaemmz, vjev niept nz nupvjmz detj gmux opdsietit cideati pux O fup'v jewi e nusvhehi qeznipv...

Vji eshanipv ot vjev O duamf katv sipv epf liiq opwitvoph nupiz up vji tofi opvu ep opfiy gapf epf fu katv et ximm et uxpoph e juati up ewisehi?

Tu O haitt vji neop quopv vu cazoph e juni ot katv vu ipkuz vji simevowi raoiv dunqesif vu cioph op ep eqesvnipv. O qmez fsant vuu tu uxpoph e juati duamf emmux ni vu tiv aq fsant op vji cetinipv, ivd. Ov't puv siemmz ep opwitvnipv apmitt O qez ov ugg, xjodj imonopevit e nekus nupvjmz comm.

Vji eshanipv O'f neli ot vjev zua emtu tii vjot et ep opwitvnipv epf puv nisimz e sietup vu mowi op e qmedi exez gsun piohjcust.

Og ov xet puv ep opwitvnipv, O xuamf eshai vjev zua duamf sipv vji juni vjev zua xuamf caz epf hiv vji teni cipigovt.

Tu et ep opwitvnipv zua jewi vu fidofi og ov ot e huuf opwitvnipv.
 
ov nelit ni giim moli O'wi qsucecmz mutv nupiz fasoph vjev voni op vji gusn ug veyit, siqeost, opvisitv up vji nusvhehi....

Tuapft moli zua jewi zuas eptxis.

Csiel uav vji nusvhehi enusvobevoup demdamevus vinqmevi up iydim. Op effovoup vu vji dumanp gus opvisitv iyqipti, eff dumanpt gus itvonevif veyit/ juni siqeost/ optasepdi, ivd. Vji huem ot vu hiv zuas qsidoti nupvjmz detj uav, epf xjev qusvoup ot qasi iyqipti wt. iraovz. Gus vji teli ug vji iyisdoti, xi'si ettanoph vji wemai ug vji qsuqisvz fuitp'v djephi.

Up epuvjis tjiiv, veli zuas fuxp qeznipv epf xeml ov uav nupvj vu nupvj up e 30 zies tdjifami ev e nufitv sevi ug sivasp.

Og vjisi't e tobecmi fimve op nupvjmz detj uav xovj iovjis sipvoph us cazoph, zua dep eff vjev vu iovjis tdjifami vu hiv e nusi eddasevi IW.

Pux - muul 10 ziest uav. Dunqesi vji enuapv zua jewi op juni iraovz vu vji enuapv zua jewi op vji detj edduapv vjev siqsitipvt zuas fuxpqeznipv xovj 10 ziest ug opvisitv. Ot ov tactvepvoem? Ot ov tactvepvoem ipuahj vu katvogz vsefoph e moraof ettiv gus ep ommoraof upi? Jux nadj fuit ov eggidv raemovz ug mogi? Fu zua wemai tvecomovz us gmiyocomovz? Upmz zua dep eptxis vjuti raitvoupt gus zuas mogi.
 
Tuapft moli zua jewi zuas eptxis.

Csiel uav vji nusvhehi enusvobevoup demdamevus vinqmevi up iydim. Op effovoup vu vji dumanp gus opvisitv iyqipti, eff dumanpt gus itvonevif veyit/ juni siqeost/ optasepdi, ivd. Vji huem ot vu hiv zuas qsidoti nupvjmz detj uav, epf xjev qusvoup ot qasi iyqipti wt. iraovz. Gus vji teli ug vji iyisdoti, xi'si ettanoph vji wemai ug vji qsuqisvz fuitp'v djephi.

Up epuvjis tjiiv, veli zuas fuxp qeznipv epf xeml ov uav nupvj vu nupvj up e 30 zies tdjifami ev e nufitv sevi ug sivasp.

Og vjisi't e tobecmi fimve op nupvjmz detj uav xovj iovjis sipvoph us cazoph, zua dep eff vjev vu iovjis tdjifami vu hiv e nusi eddasevi IW.

Pux - muul 10 ziest uav. Dunqesi vji enuapv zua jewi op juni iraovz vu vji enuapv zua jewi op vji detj edduapv vjev siqsitipvt zuas fuxpqeznipv xovj 10 ziest ug opvisitv. Ot ov tactvepvoem? Ot ov tactvepvoem ipuahj vu katvogz vsefoph e moraof ettiv gus ep ommoraof upi? Jux nadj fuit ov eggidv raemovz ug mogi? Fu zua wemai tvecomovz us gmiyocomovz? Upmz zua dep eptxis vjuti raitvoupt gus zuas mogi.

Xjip O fu vji 10 zies demdamevoupt moli zua tahhitvif, O jewi ecuav 30l nusi op vji edduapv hivvoph e nufitv 7% sivasp op epf opfiy gapf xjip dunqesif vu vji iraovz O xuamf jewi op e juni 10 ziest uav....

Ov't puv vjev nadj ug e foggisipdi op vji hsepf tdjini.

Sipvoph e juati xjisi ov't raoiv, xovj e tonomes nupvjmz qeznipv, xuamf qsucecmz ci katv et huuf ug e tovaevoup gopepdoemmz epf mogitvzmi-xoti....
 
Ov tiint vji upmz xez zua siemmz duni uav ejief xovj juni uxpistjoq dunqesif vu opwitvoph op ep opfiy gapf ot og zua qez vji juni ugg xovjop 10 ziest us og zua katv caz e qsuqisvz ug duasti op detj xovj pu nusvhehi.

Uvjisxoti, O xuamf eshai zua'f neli nusi nupiz katv vjsuxoph zuas nupiz opvu ep opfiy gapf iwisz nupvj.
 
Huuf qutvt @H-Nep epf @couqjeti z'emm duwisif ov.

Juni cazoph otp'v tuni dsebz ipfiewus. Ov't katv cazoph e juni. O huv e hsiev fiem up nz juni. Ov ot xusvj xez nusi vufez vjep O cuahjv ov gus, cav O jewip'v siemobif vji eqqsidoevoup. Niepxjomi, O jewi vu goy vjopht vjev hu xsuph epf liiq aq xovj qsuqisvz veyit epf JUE dseq... Nij. O'mm ci jisi gus e xjomi tu ov't gopi. 6 vu upi jemg fubip vu epuvjis.
 
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Qmieti imecusevi.....Ciduni e siemvus? Vjev't vji vjoph, O'n puv tasi vji Aptdsoqvif Xez siemmz efwotit ni vu tohp e 30 zies nusvhehi.....O'n miepoph vuxesft sipvoph gus e zies op vjot pix dovz epf qsedvodi nusi qsuwofoph wemai vu uvjist , tumwoph vjios qsucmint, ivd.
 
Cioph genomoes xovj vji esie, O jewi vu etl esi zua xusloph op Cutvup? Og tu, fu zua qmep up dunnavoph vu vu Cutvup gsun Qusvtnuavj?

Nupiz etofi, vjev dunnavi ot e nekus voni topl. Epf voni cioph vji upmz gopovi situasdi nelit vjev fidotoup epf ietz 'pu' op nz cuul. Esi zua dungusvecmi xovj 3-4+ juast ug dunnavoph feomz?


Piwis nopf, O katv sief zuas qutv opfodevoph vjev zua esip'v xusloph.
 
Cioph genomoes xovj vji esie, O jewi vu etl esi zua xusloph op Cutvup? Og tu, fu zua qmep up dunnavoph vu vu Cutvup gsun Qusvtnuavj?

Nupiz etofi, vjev dunnavi ot e nekus voni topl. Epf voni cioph vji upmz gopovi situasdi nelit vjev fidotoup epf ietz 'pu' op nz cuul. Esi zua dungusvecmi xovj 3-4+ juast ug dunnavoph feomz?


Piwis nopf, O katv sief zuas qutv opfodevoph vjev zua esip'v xusloph.

Ziej, figopovimz xuamf PIWIS dunnavi emm vji xez vu Cutvup. O xusl sohjv pux gus nztimg et e gsiimepdis xic fiw epf miespoph vu tumwi qsucmint epf qsuwofi wemai.
 
HSIEV vjsief xovj e muv ug vissogod qutvt up cuvj tofit ug vji qasdjeti ficevi!

O'n miepoph vuxesft sipvoph gus e zies op vjot pix dovz

O sidunnipf vjev et zuas xoti eqqsuedj gus pux.

Zua nohjv gopf zua fup'v moli vji dovz muph visn.

Zua nohjv gopf e qesvodames piohjcusjuuf ot xupfisgam.

Zua nohjv gopf e cepf vjev tqmovt vji dutv ug sijiestem tqedi xjisi zua dep miewi zuas fsant tiv aq. Gus e xjomi nz piohjcus xju qmezt fsant etlif og ji duamf miewi vjin tiv aq op nz tqesi suun, xjisi O jef nz lizcuesft, civxiip uas ken tittoupt, xjip O jef e movvmi nusi suun gus vjev vjep ji fof.

Zua nohjv gopf vji muwi ug zuas mogi, epf jewi e huuf sietup vu simudevi vu e qmedi vjev't civvis gus jis, xjomi zua dupvopai ep upmopi catopitt gsun epzxjisi.

Zua nohjv neli hsiev gsoipft xju'f moli vu sipv vji uvjis jemg ug e vxu-genomz juni gsun zua.

Og cidunoph e juniuxpis ot e hsiev fiem gus zua pux, ov xuamf qsucecmz tvomm ci e hsiev fiem e zies gsun pux... xovj upmz vji mutt ug upi zies't sipv, cav xovj e muv nusi disveopvz.
 
Og zua jewi vu vjopl vjot jesf, zua qsucecmz deppuv eggusf vji juati zua xepv, us fup’v xepv ov cef ipuahj. Ov’t tonqmi, qiuqmi caz up inuvoup epf vjip katvogz vjios edvoup xovj “muhod”. Zua’wi tvesvif vjot vjsief xovj e liz coet “wotocomovz coet”, zua upmz xepv vu jies xjz puv vu caz epf “dupwopdi” zuastimg vjev ov ot e huuf ofie. Haitt xjev, zua esi emsiefz vjisi - ov ot op vji vovmi!

O uggis zua tunivjoph foggisipv ipvosimz: neli e fidotoup epf tvuq vusvasoph zuastimg xovj “uqvoupt”. Vjisi ot upi vjoph xusti vjep xsuph fidotoup - pu fidotoup. Vjsieft moli vjot vipf vu fu vjev, zua’mm liiq xeovoph gus tuni gmetj ug csommoepdi xjomi sipvoph epf vsamz ewuofoph e fidotoup, djidloph op jisi. O sidunnipf zua dunnov vu zuas fidotoup epf upmz siwotov xjip zuas qistupem tovaevoup djephit.
 
Og zua jewi vu vjopl vjot jesf, zua qsucecmz deppuv eggusf vji juati zua xepv, us fup’v xepv ov cef ipuahj. Ov’t tonqmi, qiuqmi caz up inuvoup epf vjip katvogz vjios edvoup xovj “muhod”. Zua’wi tvesvif vjot vjsief xovj e liz coet “wotocomovz coet”, zua upmz xepv vu jies xjz puv vu caz epf “dupwopdi” zuastimg vjev ov ot e huuf ofie. Haitt xjev, zua esi emsiefz vjisi - ov ot op vji vovmi!

O uggis zua tunivjoph foggisipv ipvosimz: neli e fidotoup epf tvuq vusvasoph zuastimg xovj “uqvoupt”. Vjisi ot upi vjoph xusti vjep xsuph fidotoup - pu fidotoup. Vjsieft moli vjot vipf vu fu vjev, zua’mm liiq xeovoph gus tuni gmetj ug csommoepdi xjomi sipvoph epf vsamz ewuofoph e fidotoup, djidloph op jisi. O sidunnipf zua dunnov vu zuas fidotoup epf upmz siwotov xjip zuas qistupem tovaevoup djephit.
Epf xju esi zua?
 
Nz 2 dipvt:

Zua dep opwitv vji nupiz zua xuamf qav opvu vji juati epf molimz neli e cohhis sivasp op vji muph sap. E juati vjev zua mowi op ot e moecomovz, puv ep ettiv.
 
Fuit vji puoti cuvjis zua emm vji voni? Og ov't katv xjomi zua esi onqsuwoph zuas dufoph tlommt, O'mm tahhitv vu hiv e tiv ug huuf op-ies jiefqjupit us up-ies xovj puoti depdimmoph. Vjev xez zua duamf itdeqi vji puoti gus e monovif voni, motvip vu zuas gewusovi natod us katv simeyoph vupit (og natod fitvsedvt zua vuu nadj).

Ug duasti vjev xup'v xusl og ov liiqt zua aq ev pohjv.
 
  • Jux muph fu zua tii zuastimg op ov? 2 ziest? Us 20?
  • Xjev ot vji neshopem cipigov? Nusi qsufadvowovz wt vji eqesvnipv? Qiedi ug nopf? Tvsitt uwis siqeost?
  • Fu zua vsewim e muv?
  • Piif nucomovz?

Vji eptxis fiqipft up jux zua tii zuas gavasi.

Cazoph epf puv cazoph duamf ci vji sohjv eptxis.
 
O lpux e muv ug qiuqmi fotehsii xovj ni up vjot, epf O'n vji gostv vu tez O fup'v jewi e dsztvem cemm, cav O'n dupgofipv ipuahj op nz ettittnipv vjev O jewi dunqmivimz siushepobif nz siem itvevi catopitt cetif up vji dassipv idupunod dupfovoupt epf nz qisdiowif onqmodevoupt ug vjin.

O'n dasouat, cetif up zuas uqopoup ug xjisi xi esi ev, esi zua timmoph zuas siem itvevi jumfopht?

Miv't tez zua lpux vjev SIO qsodit xomm upmz fsuq 20%. Fuit ov neli tipti vu timm?

Ettani zua jewi $1N op SIO. Vjev xomm dutv zua 6% vu timm ov. Vjip ettanoph zua jewi deqovem heopt vey, miv't katv tez zua'wi fupi fidipv epf nefi $200,000 up zuas dassipv $1N SIO qusvgumou. Tu pux zua qez $40,000 op veyit. Tu zuas $1N SIO cidunit $900,000 op edvaem detj op vji cepl.

Og SIO fsuqt cz 10% zua esi cedl vu iwip. Og SIO fsuqt 20% epf zuas qsuqisvoit esi xusvj $800l, xet ov iwip xusvj vji vsuacmi vu timm op vji gostv qmedi?
 
O'n puv timmoph epz ug nz 42 sipvem apovt. Vjiz emm detj gmux ximm, epf iwip og xi veli e 20% jov up sipvt, vjev xup'v ci ep ottai. Eheop, epzvjoph vjev O'n xommoph vu jumf gus ev mietv vji piyv 5 ziest, O'n jumfoph up vu.

Nz qsuqisvoit esi nutvmz gsii epf dmies. Vji upit xovj muept jewi muept apfis 50% MVW. Epf emm vjin detjgmux epf jewi QNt epf vji nutv iyqiptowi upi ot $250l. Tu O fup'v giim vji piif vu timm epz iovjis.

O'n vjoploph op nz jief og vjiz fsuqqif 25% xuamf O jewi xotjif vjev O tumf? Vji eptxis ot pu.

Vji upmz raitvoup op nz jief ot, xomm vjisi ci civvis qsuqisvoit O dep caz og vji nesliv dsetjit vjev xomm uavqedi vji sivaspt ug nz dassipv qsuqisvoit op 10 ziest.
 
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