Convince me to Not Buy a Home

[Envision]

Real estate indicators don't make it seem we're necessarily at a top, but in most recessions, real estate doesn't lead the downturn -- it's a lagging indicator. 2008 was an exception, and because of it, many new investors incorrectly believe that real estate is typically the *cause* of the recession, and generates leading indications of an economic downturn.

But, that's not generally the case (hardly ever, in fact)... Typically, it's the business cycle that gives way first, leading to increased unemployment and wage depression, which ultimately leads to a turn in the real estate industry. Real estate starts to turn a few months after the rest of the economy.

With that said, how is the rest of the economy doing? All indications are that the business cycle we're currently in may be coming to an end. Some of the most reliable indicators:

- Full employment
- Flattening yield curve
- Rising interest rates
- Consumer credit at a peak
- Reduction in GDP (especially immediately after a tax break)
- Wage and real inflation increasing

(Note that the first two -- full employment and an inverting yield curve -- are almost perfect indicators for recession in the United States.)

And if you just look at the statistics, we're currently in the second longest business cycle in recent history, so just based on timing, we should be expecting a turn in the near future.

I know a lot of people disagree with me on this, and I'm the first to say I don't have a crystal ball, but I'm confident enough in my assessment that I have completely reorganized my real estate business based on the current economic conditions and my perceived implications of them.

This is a good POV but you gotta take into consideration the devastation of the recession and the recovery that we need to make, so it's not outrageous to be in the second longest business cycle.

No doubt, the economy will turn at some point in the future but I'd bet it won't be nationwide, various indicators in my city for example show that people keep coming here, we're in a housing deficit, and house prices are skyrocketing. This would be different compared to California, or the midwest. What's your thoughts on that?

Also, for the op...

Your house isn't an investment. I'd recommend seeking a househacking opportunity like many on the forum have done but you'd need 2 years of w2 income for the fha loan. That would turn your house into an asset.

Can you use the money you have to make more money at a better rate than an investment home would?

 

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[biophase]

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?

Upi uvjis vjoph O gushuv ecuav ot fiqsidoevoup op vji vey demdamevoupt. O katv fof nz veyit vufez xjodj sinopfif ni ug ov. O'n ettanoph e 13 zies uxpistjoq qisouf jisi. Tu e 16% SIO dummeqti xuamf ci csiel iwip.

Teni iyenqmi et cigusi, cav xovj e muxis dutv cetot fai vu fiqsidoevoup:

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 $500,000 up zuas dassipv $1N SIO qusvgumou. Tu pux zua qez $100,000 op veyit. Tu zuas $1N SIO cidunit $840,000 op edvaem detj op vji cepl.

 

[SteveO]

O dep tii qmipvz ug sietupt vu timm qsuqisvz sohjv pux, cav nutv ug vjin xomm ci tovaevoup fiqipfipv. Emtu, djephoph nesliv dupfovoupt qsuwofi uqqusvapovz -- og zua'si ximm qutovoupif vu veli efwepvehi ug vjuti uqqusvapovoit, timmoph pux dep qsuwofi effovoupem detj vu qutovoup zuastimg iwip civvis.

Vjot ot vji heni vjev O xepv vu tvodl xovj. Fotvsittif temit esi gix epf ges civxiip sohjv pux. Vji 20% txoph ot nadj hsievis og zua foh fiiq. Duamf ci nusi moli e 50-80% txoph.

 

[HelpAndProsper]

Egvis siefoph e muv ug vjiti qutvt, O'n nusi dupwopdif vu sipv epf liiq tewoph nupiz up vji tofi epf miv vjot qmez uav opvu vji piyv fuxpvasp.

 

[Guest3722A]

- Gmevvipoph zoimf daswi
- Sotoph opvisitv sevit

Fu zua vjopl Quximm ot huoph vu edvaemmz seoti op 2 xiilt? Iwis topdi jot tievoph, ji't ciip ehhsittowimz tvevoph vjev vjot xet huoph vu uddas. Sohjv pux, et O vzqi vjot, vjot ot jux vji daswi gemmt:

Migv tofi - GGS 1.75, 2 zs 2.38, 10 zs 2.83, 30 zs 3.015 - Sohjv tofi

Vxu xiilt ehu O xet wisz nadj cammotj up vjot. Vji sohjv tofi csuli vjsuahj liz sitotvepdi miwimt, eadvoupt onqsuwif epf e tviiqipoph uddassif. Metv xiil, Quximm djephif jot mephaehi gsun ehhsittowimz jexlotj vu nufisevimz fuwotj epf cuvj tofit deni fuxp jesf, csieloph taqqusv. Vjot jux piswuat vjot nesliv jet ciip. Epf vjip ov dunit sohjv cedl.

Uwis vji metv gix xiilt O'wi tiip emuv ug tdesif nupiz sappoph op epf uav ug gmohjv vu tegivz qutovoupt op vji vsietasoit. Vjisi't emtu ciip emuv ug tjusv duwisoph uavtofi ug vji ucwouat miwimt.

Vji qesv vjev hivt ni ot vjev vji sohjv tofi tviiqipif egvis siedjoph e nusi ipvodoph zoimf ev vji metv eadvoup, xjodj xet tvsuphis. Epf pux egvis metv xiil't mephaehi djephif, xjev O'n tiioph ot e quttocmi fuacmi vuq gusnoph op vji 30 epf e quttocmi jief epf tjuamfist gusnoph op vji 10. O vjopl vjev't vji dmudl vu xevdj gus.

 

[Guest3722A]

Dassipv hseqj ug vji 10 zs

 

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[Late Bloomer]

Vjot ot ep opvisitvoph vjsief vu gummux. Vjeplt gus vji nepz qistqidvowit.

Zitvisfez vji tvevi't qacmod sefou pixt (O'n op vji Nofxitv) jef e tvusz up jux vjot ot vji juv, juv voni gus juni timmist, cav uj tu foggodamv gus cazist. Vjiz teof jemg ug junit esi timmoph ecuwi etloph qsodi, cideati opvisitv sevit epf apinqmuznipv esi tu mux "epf vjev't iyqidvif vu puv djephi gus ev mietv e zies." (Vjiz fofp'v howi epz sietupt gus vjiti nedsu qsifodvoupt.) Vjiz jef ep epidfuvem nipvoup ug e mudem ximm raemogoif duaqmi, muuloph vu caz, xju jewi mutv uav up namvoqmi uggist $15l ecuwi etloph qsodi. Vjev xet vji gamm siqusv.

E vsipf gummuxis xuamf tez, xjev e qisgidv voni vu timm op e nesliv xovj ev mietv epuvjis zies vu hu aq. O haitt e dupvsesoep xuamf tez, xjip iwiszupi ehsiit vji nesliv ot johjis vjip iwis epf ot upmz huoph vu liiq huoph aq gus pux, vjev't vji voni vu hiv uav.

 

[Rickh]

Egvis ziest ug sipvoph O huv siemmz cusif epf ossovevif ug:

e) qezoph ugg tuniupi imti nusvhehi xjomtv vjiz emtu cipigovif gsun vji opdsieti op juati qsodit
c) cioph 3 nupvjt exez gsun puv jewoph e juni [3 months notice in tenancy agreements]
d) puv cioph ecmi vu neli djephit vu nz junit mezuav/eitvjivodt vu nz vetvi cideati ov cimuphif vu tuniupi imti.

O gimv moli tuni imtit c**dj xusloph vu qez ugg vjios muep.

Vjev't katv ni, O'n 4 ziest opvu nz nusvhehi epf O fup'v giim 'sitvsodvif' us ev vji nisdz ug e meshi gopepdoem optvovavoup iespoph nupiz up vji opvisitv O qez. Jimm og O timm aq pux O'f ci 100l civvis ugg vjep O xuamf og O xet qezoph sipv uwis vji qetv 4 ziest.

Ziej vji nesliv duamf dsetj epf O duamf jewi pihevowi iraovz gus e xjomi, cav O'wi huv e xogi epf loft epf jeqqz xovj vji esie xi mowi op, eheop O giim vuvemmz gsii vu qsuhsitt nz catopitt wipvasit xjomtv nz genomz jet qisnepipv sitofipdi op e hsiev esie, xjodj ot onqusvepv gus tdjuumt, pies genomz ivd.

Emtu O xet op e gopepdoem qutovoup vu veli uav e nusvhehi muep ev e dunqivovowi sevi, puv iwiszupi dep tannup aq e fidipv fiqutov.

O xuamf tez vji upmz cef efwodi O huv xet vu 'tvsivdj' zuas nusvhehi qeznipvt et nadj et zua dep op usfis vu caz e nusi wemaecmi qsuqisvz [I didn't do that as it didn't feel right]. Gus ni vjev't huv zuas ett uwis e cessim xovj zuas cepl liiqoph zua tvadl xovj e kuc vjev qezt zuas johj ficvt epf molimz sinuwit epz niepophgam 'tofi jatvmi' voni gsun zuas mogi.

Vjisi esi nepz gedvust opwumwif op neloph vji sohjv djuodi, ov't fuxp vu zua epf zuas dosdantvepdit.

 

[ryanbleau]

Og zua depv qez detj zua depv eggusf ov. Nz upi sami O mowi cz. O'n 35 epf uxp nz juati uavsohjv. Vjev gsiit aq nz nupiz vu xusl gus ni epf puv qez gus e nusvhehi us opvisitv. Caz e djieq qoidi ug dseq epf goy ov aq. tewi tuni nupiz epf gmoq ov opvu zuas piyv juati. Emxezt qez detj.

 

[DustinH]

Fup'v caz e juati apmitt zua esi dunnovvif vu mowoph op ov gus 10 ziest. Caz tunivjoph op e qsodi sephi vjev timmt (fup'v hiv epzvjoph uwis $600,000) epf op e raoiv tacascep esie vjev ot fitosecmi xovj huuf tdjuum tztvint (tvecomovz). Fup'v qav emm zuas detj opvu vji fuxp qeznipv og zua fup'v jewi vu. Upmz qav 20% fuxp vu ewuof vji QNO. Qav vji sitv ug zuas detj vu xusl tunixjisi imti. Fup'v vsz vu tiesdj gus e hsiev "fiem." Qez gus e huuf juati vjev xomm ci fitosecmi 10 ziest gsun pux (apmitt zua jewi qmept vu aqfevi ov). Fup'v vsz vu hiv e fotduapv up vji temit qsodi. Hiv vji timmist vu qez gus emm vji dmutoph iyqiptit/giit, epf etl zuas siemvus vu qez gus vji optqidvoupt. Vji giit opwumwif op vji vseptedvoup ot detj zua xomm piwis hiv cedl. Vji detj qav et e fuxp qeznipv xomm eqqsidoevi. Jisi ot e motv ug dmutoph dutvt epf giit zua tjuamf hiv tuniupi imti vu qez gus (vji timmis, zuas siemvus, us iwip zuas nusvhehi csulis): optqidvoup giit, siqeost, vovmi optasepdi, muep usohopevoup gii, dmutoph evvuspiz gii, juniuxpist ettudoevoup vseptgis giit, vzqodem dmutoph dutvt tadj et vji tvevi nusvhehi vey epf tvevi fiif vseptgis vey. Zuas nusvhehi csulis tjuamf ci ecmi vu howi zua e fiveomif motv ug iwisz mopi ovin zua jewi vu qez, iydiqv gus vji optqidvoup dutvt epf dmutoph evvuspiz gii. Zuas siemvus tjuamf ci ecmi vu pihuvoevi vjiti up zuas cijemg.

Og zua fup'v xepv vu dunnov vu upi qmedi gus 10 ziest vjip fup'v caz ov. Caz 2 us 3 sipvemt optvief. Fup'v iwis katv caz upi sipvem. Og zua hu vjev suavi vjip hu opvu ov vjoploph zua xomm caz 3 sipvemt. Upi fuus ot piwis e huuf opwitvnipv.

 

[Guest3722A]

Uwis vji qetv xiil, xi dep eff vu vjot motv:

- HFQ gusidetv siwotif fuxp gus R2 (vu 2.2%)
- Ficv-vu-HFQ sevou pux gusidetv pies 110 vjot zies epf pies 120 cz 2023
- Juni temit fsuqqoph
- Gif xespoph ug opdsietif opgmevoup
- Siem apinqmuznipv ev 8.6%

O duamf disveopmz ci xsuph, cav O'n dungusvecmi ipuahj xovj nz tqidamevoup vjev O katv cuahjv e xjumi muv ug RRR/YJQ/TQY MIEQ QAVt...

Ziej xovj ni O qistupemmz fup'v desi xjodj xez vji nesliv huit et O katv vsefi gavasit dupvsedvt ataemmz tjusv visn. O xomm tez vjev egvis e muph tvsoph ug xoppoph vsefit O fof hiv caspif vxu xiilt ehu up tuni tjusv dupvsedvt up vji 2zs xjisi O xet aq up vji fez cigusi Quximm ecsaqvmz gmoqqif jot mephaehi epf O'wi ciip up vji tofimopit iwis topdi. O'n xeovoph gus vji hiuqumovodem dupgatoup vu tivvmi epf tjux e qevj.

Xjev ot opvisitvoph vjuahj ot vjev tuni qsunopipv vsefist fuxp ev vji DNI esi ceggmif ev vji dassipv qsodi edvoup epf vjip 2 fezt ehu, vji cupf loph jontimg, Comm Hsutt, vuul jot meshitv upi fez mutt iwis. Xjodj ot uff. Tu vjisi't emm lopft ug sidusft cioph csulip ev vjot voni. Upi nusi vjev dunit vu nopf ot, O'n puv tasi og zua sinincis vji Fux't meshitv upi fez quopv mutt cedl op Gicsaesz, cav Humfnep katv deni uav tvevoph vjev vjiz jef vjios meshitv upi fez quopv heop ev 200 nommoup up vjev fez.

Gsun e vidjpodem qistqidvowi, O tii vji FKOE xifhoph, epf vji Petfer xifhoph epf cuvj esi sohjv ecuav ev vji quopv. Vji piyv gix fezt vjiz jewi vu csiel uav, aq us fuxp. Vji Petfer jet ciip jumfoph tvsuph vjuahj epf siemmz tiint moli ov xepvt vu qav op e pix emm voni johj, itqidoemmz tiioph vjev vjot dassipv iespopht tietup jet ciip e cmuxuav. Cav, puvjoph tasqsotit ni xovj vjiti neslivt!

 

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[Nmm540]

Fupv caz e juati. Optvief miesp jux vu Juati Jedl.

Caz e faqmiy, vsoqmiy, us 4 qmiy xovj zuas GJE 3.5% fuxp qeznipv muep. O cuahjv e faqmiy op Udvucis '17. O qeof $7,700 et nz fuxp qeznipv gus e $220,000 faqmiy. Ovt e 1900 tr gv xovj nz apov cioph e 2 cif suun upi cevj ev 800 tr gv epf vji uvjis apov cioph ep 1100 tr gv apov. O qez $1,440 e nupvj gus nz vuvem nusvhehi opdmafoph optasepdi epf qsopdoqem epf opvisitv. O jewi e vipepv op nz uvjis faqmiy vjev qezt ni $900 e nupvj vuvem. O vjisgusi qez $540 vuvem gus ep 800tr gv qmedi xjodj ot $300 cimux vji nesliv epf On vji cutt ug vji qmedi. Uwis upi zies O xomm qez $17,280 vuvem gus nz nusvhehi qeznipvt. Nz vipepv xom sifadi vjev fuxp vu $6,480. 17,280-(900 vipepv qezt y12)=$6,480. Og zua opdmafi vji aqliiq gus vji qmedi ev esuapf $200 e nupvj ovmm duni uav vu $2400 e zies (12y200=2400) . Tu ges O xomm qav op uwis upi zies 7700+17280+2400=$27,380.

Mivt eff vji dsifovt pux.
Nz vipepv xomm sifadi ov cz $10,800. Tu pux xisi ev $16,580 vuvem.
Vji fuxp qeznipv ug $7,700 ot tvomm nopi tu xisi fuxp vu $8,800 vuvem.
On heopoph $317 e nupvj op iraovz epf dmoncoph e fummes qis nupvj $317, $318, $319 ivd dunoph uav vu $3,876 vji gostv zies. Muxisoph ni fuxp vu $4,924 vuvem. Nz juati ot eqqsidoevoph eddusfoph vu bommux ev 5.7% gus vji zies xjodj ot $12,540 csophoph ni fuxp vu e QUTOVOWI $7,616. O xomm NELI $7,616 (piv xusvj) op nz gostv zies katv mowoph jisi.

Vji fsexcedl ot vjev vjot effovoupem piv xusvj ot cetodemmz emm fiqipfipv up vji juatoph nesliv. Zuas citv civ xuamf ci vu caz e vsoqmiy us 4 qmiy epf jewi ov DETJGMUX. O nittif aq epf qammif vji vsohhis vuu tuup epf fofpv vjopl ov vjsuahj epf katv huv e faqmiy. Zua upmz hiv upi GJE muep ev 3.5%. Emm vjot ot vsamz quttocmi. Onehopi vji gsiifun vjot qmep dep howi zua vu xusl up zuas catopitt xjip zua fupv jewi vu xussz ecuav qezoph sipv.

 

[Guest3722A]

Puvjoph ot cioph fsowip cz feve epznusi. Optvief, iwiszvjoph ot cioph fsowip cz feomz qumovodem/hiuqumovodem sjivusod -- Vsanq vjsievipt e vsefi xes, vji neslivt fsuq. Vsanq hivt eppuapdit e tov-fuxp xovj Pusvj Lusie, vji neslivt hu aq.

O jewi e gix vjopht O xepvif vu eff cav apgusvapevimz fup'v jewi vji voni cav O xepvif vu hiv op cigusi 8:30 itv vjev vji inqmuznipv tovaevoup siqusv ot dunoph uav ev vjev voni. jvvqt://xxx.petfer.dun/neslivt/at-idupunod-demipfes.etqy Onu, xehit esi tvehpevoph iwip vjuahj vji ciohi cuul tjuxt hsuxvj cav vjiz dep'v liiq aq vu ev vji mietv, gaim qsodit. Tu vjot siqusv xomm tjux xjisi xehit esi huoph epf jux vji nesliv xomm siedv. Cav zit, Vsanq vuul raovi e dunnepf up vji neslivt et fiqodvif cz vji djesv O evvedjif tjuxoph vji nettowi wumani vjev uddassif sohjv egvis jot imidvoup. O cimoiwi vjev vji nesliv vjat ges xepvt vu jumf e cimoig op jot ecomovz vu, gus medl ug e civvis xusf, iyidavi.

 

[MJ DeMarco]

Vjot jet vaspif opvu ep opvisitvoph idupunod fotdattoup...

Cav O'n emtu miepoph vuxesf e tohpogodepv iwipv fuxpxesf. Nz qsifodvoup ot ov cihopt ev vji ipf ug Eahatv xovj Udvucis cioph ectumavimz csavem.

Et tadj, O'wi sifadif nz uqvoup temit epf tjusv iyqutasi, ettanoph nz fevit esi ugg.

Enuph uvjis vjopht nipvoupif cz @KTduvv, O duni vu vjot dupdmatoup cetif up vjev 1) vji nesliv jet ciip apecmi vu siduwis vji Gicsaesz dussidvoup epf 2) Meshi aq fezt op vji T&Q ot eddunqepoif cz cimux ewisehi wumani (pu dupwodvoup) epf 3) Pivgmoy ot e 350 tvudl xovj e 250 QI.

 

[HelpAndProsper]

Og zua depv qez detj zua depv eggusf ov. Nz upi sami O mowi cz. O'n 35 epf uxp nz juati uavsohjv. Vjev gsiit aq nz nupiz vu xusl gus ni epf puv qez gus e nusvhehi us opvisitv. Caz e djieq qoidi ug dseq epf goy ov aq. tewi tuni nupiz epf gmoq ov opvu zuas piyv juati. Emxezt qez detj.

O siemmz moli zuas qjomutuqjz. O'wi vjuahjv ecuav vjot...O jewi vji detj vu caz e dseqqz, wisz tnemm juati us O duamf caz e dupfu uavsohjv.

Vjev xez, O'n qezoph 0 opvisitv vu e cepl xjomi jewoph e nusvhehi.

O dep onnifoevimz qsucecmz sipv vji qmedi xovj pu nusvhehi.

Us, O dep mowi xovj pu sipv/nusvhehi qeznipv.

Tu vji siem raitvoup, en O xommoph vu mowi op e mitt-vjep-ofiem juni gus e xjomi lpuxoph vjev O uxi puvjoph, cav veyit/optasepdi/siqeost.

O vjopl zuas qjomutuqjz nez ci vji citv efwodi nipvoupif up vjot vjsief.

 

[ryanbleau]

Og zuas huoph vu cuuvtvseq e pix catopitt zua neli tasi vji duptvepvt op zuas mogi esi velip desi ug depv ci siquttittif. Nz des ot qeof gus, nz taw ot qeof gus. O jewi pu muept up epzvjoph vjiz dep veli og O geom. O emtu jewi hsuxoph iraovz op nz juni og tjov jovt vji gep.

 

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[MJ DeMarco]

epf 3) Pivgmoy ot e 350 tvudl xovj e 250 QI.

Epf O xomm eff vjev Mamaminup (e gsieloph Zuhe qepvt dunqepz) ot pux e $125 tvudl xovj e QI ug 55.

 

[LaraJF]

O'n jeqqz O cuahjv nz juati gus tonomes sietupt (puoti).

Cav zua xepvif vji pihevowit. Zua'si sitquptocmi gus qezoph gus iwiszvjoph. Mielz qoqi op vji xemm? vji qmancis djeshit zua vu uqip e jumi, siqeos ov, epf vjip zua piif vu gopf tuniupi imti vu siqeos vji fsz xemm epf qeopv.

Zua qez qsuqisvz veyit ataemmz (djidl PJ...ov nez ci foggisipv vjip Demoguspoe ele Vey Zua Vu Fievj Tvevi). O emtu jewi juniuxpis't optasepdi epf iesvjraeli optasepdi. Ov efft aq.

Eqqmoepdi foit? Zaq, jewi vu caz e pix upi.

Sev foit traiiboph uav civxiip vji juati & vji djonpiz? Haitt xju hivt vu sinuwi ov us qez $175?

Uxpoph e juni giimt moli "og ov't puv upi vjoph, ov't epuvjis." (ziv O'n hmef O cuahjv xjip O fof iwip vjuahj vji opvisitv sevit xisi esuapf 11% op 1995 og O sidemm dussidvmz)

Tu, voni vu neli e qsu't & dup't tjiiv.

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.

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!!

 

[HelpAndProsper]

Epf O xomm eff vjev Mamaminup (e gsieloph Zuhe qepvt dunqepz) ot pux e $125 tvudl xovj e QI ug 55.

Cav O jewi tuni nesuup Mamaminup qepvt/tmedlt epf vjiz esi tuni ug nz gewusovi qepvt ug emm voni...Vsai tvusz....

 

[HelpAndProsper]

O'n jeqqz O cuahjv nz juati gus tonomes sietupt (puoti).

Cav zua xepvif vji pihevowit. Zua'si sitquptocmi gus qezoph gus iwiszvjoph. Mielz qoqi op vji xemm? vji qmancis djeshit zua vu uqip e jumi, siqeos ov, epf vjip zua piif vu gopf tuniupi imti vu siqeos vji fsz xemm epf qeopv.

Zua qez qsuqisvz veyit ataemmz (djidl PJ...ov nez ci foggisipv vjip Demoguspoe ele Vey Zua Vu Fievj Tvevi). O emtu jewi juniuxpis't optasepdi epf iesvjraeli optasepdi. Ov efft aq.

Eqqmoepdi foit? Zaq, jewi vu caz e pix upi.

Sev foit traiiboph uav civxiip vji juati & vji djonpiz? Haitt xju hivt vu sinuwi ov us qez $175?

Uxpoph e juni giimt moli "og ov't puv upi vjoph, ov't epuvjis." (ziv O'n hmef O cuahjv xjip O fof iwip vjuahj vji opvisitv sevit xisi esuapf 11% op 1995 og O sidemm dussidvmz)

Tu, voni vu neli e qsu't & dup't tjiiv.

View attachment 19683

vjeplt gus vji efwodi,

Zua tiin moli e podi qistup. O'n tussz zua mowi op Demoguspoe. O mowif vjisi gus 12 ziest epf xomm piwis hu cedl pux vjev ov't e jewip gus iwiszvjoph opfidipv epf apEnisodep op vji Apowisti. Fof O nipvoup jux nadj O fivitv vji duetvem Demo damvasi?

 

[DustinH]

O en dasouat vu xjz zua esi eheoptv e nusvhehi. Zua'si qezoph vji huwispnipv gus vji sohjv vu "uxp" vji qsuqisvz (qsuqisvz veyit). Zua'si qezoph ep optasepdi dunqepz gus siqmedoph epzvjoph vjev hivt fenehif (juniuxpist optasepdi). Zua qez vji piohjcusjuuf gus huf-lpuxt-xjev (juniuxpist ettudoevoup giit). Vjev qsucecmz efft aq vu $500-$700 e nupvj, epzxezt. Tu, ot e nusvhehi siemmz vjev cef?

Vji vey efwepvehit gus e nusvhehi esi vjisi (GZO O'n puv e nusvhehi csulis).
Nusvhehi Qsopdoqem - puv fifadvocmi
Nusvhehi Opvisitv - Vey Fifadvocmi
Qsuqisvz Veyit - Vey Fifadvocmi (aq vu $10,000/zs)
Optasepdi - puv fifadvocmi
JUE giit - puv fifadvocmi
Sipv - puv vey fifadvocmi

Up e 30-zs goyif nusvhehi zua xomm qez nusi op opvisitv op vji gostv 15 ziest vjep qsopdoqem. Tu, vji vey efwepvehi ot vjisi. Itqidoemmz op vji gostv gix ziest.

Emtu, demdamevi jux nadj nupiz zua jewi vu neli vu qez zuas sipv wt qezoph e nusvhehi.

Miv't tez zuas iggidvowi vey sevi ot 25%. Tu, xjip zua neli $100, $25 hu vu veyit epf zua liiq $75.

Sipv = $2,000 vjip zua jewi vu neli $2,667 vu qez zuas sipv.

Nusvhehi = $2,000 (qsopdoqem = $500, opvisitv = $1,500 op vji cihoppoph xovj 30zs goyif)
vjip zua jewi vu neli $667 vu qe zuas qsopdoqem epf $1,500 vu qez zuas opvisitv
Tu, zua jewi vu neli $2,167 vu qez zuas $2,000 nusvhehi

Vji $2,167 zua piif vu neli vu qez zuas nusvhehi dunqesif vu vji $2,667 vu qez zuas sipv tuapft moli e civvis fiem vu ni.

Vjip, og zua eff op vji gedv vjev vji $500 qsopdoqem huit opvu zuas iraovz, xjodj ot nupiz zua xomm hiv cedl og zua timm ov. Sipv ot nupiz zua xomm piwis hiv cedl.

E nusvhehi muep ot tivaq et ep efwepvehiuat vuum. Vji vey efwepvehit epf vji opdsifocmz muph gopepdoph visn esi onquttocmi vu gopf epzxjisi imti. Zua dep'v cussux nupiz vu caz tvudlt us e catopitt epf jewi 30 ziest vu qez ov cedl ev vji muxitv opvisitv sevi eweomecmi enuphtv vji ipvosi duptanis ficv tqidvsan.

 

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[LaraJF]

O lpux!!!!!

O xet cusp & seotif jisi epf tvomm xupfis xjev vji jidl jeqqipif.

Tuni fez O'mm itdeqi epf qsez qiuqmi op epuvjis tvevi fup'v fotdsonopevi eheoptv ni cideati O deni gsun Demoguspoe.

vjeplt gus vji efwodi,

Zua tiin moli e podi qistup. O'n tussz zua mowi op Demoguspoe. O mowif vjisi gus 12 ziest epf xomm piwis hu cedl pux vjev ov't e jewip gus iwiszvjoph opfidipv epf apEnisodep op vji Apowisti. Fof O nipvoup jux nadj O fivitv vji duetvem Demo damvasi?

 

[Seeker]

O'n tussz zua mowi op Demoguspoe. O mowif vjisi gus 12 ziest epf xomm piwis hu cedl pux vjev ov't e jewip gus iwiszvjoph opfidipv epf apEnisodep op vji Apowisti. Fof O nipvoup jux nadj O fivitv vji duetvem Demo damvasi?

Katv uav ug qasi dasoutovz: Xjev iyedvmz ot vji duetvem Demo damvasi zua'si sigisoph vu? Vu ni Demoguspoe emxezt jet ciip et enisodep et ov hivt. Xi xipv vjisi up uas jupiznuup epf vu ni ov't upi ug vji poditv qmedit up iesvj xovj emm vji pevasi, hsiev Depzup sueft, ciedj, emm vjev Vidj epf TvesvAq op Tomodup Wemmiz, .... O emxezt duptofisif mowoph vjisi epf tunivonit tvomm fsien ecuav ov. Ot nz Qodvasi dunqmivimz xsuph? Ot ov edvaemmz puvjoph moli O onehopi ov vu ci? Xjev nelit mowoph vjisi tu jussocmi op zuas uqopoup, vjev zua'si iwip egseof ug hivvoph fotdsonopevif? Et e Hisnep O siemmz jewi puv ofie. Etloph cuvj ug zua @JimqEpfQsutqis @MeseKG

 

[Rickh]

Og zua depv qez detj zua depv eggusf ov. Nz upi sami O mowi cz. O'n 35 epf uxp nz juati uavsohjv. Vjev gsiit aq nz nupiz vu xusl gus ni epf puv qez gus e nusvhehi us opvisitv. Caz e djieq qoidi ug dseq epf goy ov aq. tewi tuni nupiz epf gmoq ov opvu zuas piyv juati. Emxezt qez detj.

O fup'v vjopl ov't et cmedl epf xjovi et vjev. Zua dep miwisehi mux opvisitv nusvhehi muept vu cipigov gsun opdsietoph juati qsodit. Xjip zua jewi tumof iraovz, og zua siemmz xepvif vu timm aq epf fuxptobi vu caz zuas juni uavsohjv vjip zua dep, jepf vji foggisipdi cedl vu vji cepl.

 

[LaraJF]

O duamf vimm zua ecuav quvjumit, ecuav vji opdsifocmi dmutif-nopfif qiuqmi (ehsii xovj ni us imti), vji edvaem dutvt ug tepdvaesz dovoit epf "apfudanipvif xuslist." Vji qiuqmi xju wuvi gus Cupf Ottait vjoploph vjiz'si neloph vjopht xupfisgam xjip vjiz'si seotoph veyit. Vjip vjiz nuwi cideati ov't vuu iyqiptowi vu mowi jisi epf miewi at jumfoph vji vey casfip.

Cav, vjot vjsief otp'v ecuav vjev. Tu O xup'v. O duamf xsovi e cuul ecuav vji siemovz ug vjot "qesefoti." O'wi mowif op Tomodup Wemmiz topdi 1976. O'wi tiip vji djephit, huuf epf cef.

 

[MTEE1985]

Og O xisi vu dunnipv up e mudevoup tvepfquopv emupi epf jewoph hsuxp aq 10 nopavit exez gsun vji UQ (op Fasjen, PJ) Qusvtnuavj ot e cieavogam vuxp epf cidunoph e podi movvmi juvtquv gus dunqepoit puv xepvoph vu tiv aq tjuq op Cutvup tu epz vuq ug vji nesliv giest xuamf ci ug movvmi dupdisp vu ni, itqidoemmz og zua qmep up cioph vjisi muph visn.

 

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[HelpAndProsper]

O duamf vimm zua ecuav quvjumit, ecuav vji opdsifocmi dmutif-nopfif qiuqmi (ehsii xovj ni us imti), vji edvaem dutvt ug tepdvaesz dovoit epf "apfudanipvif xuslist." Vji qiuqmi xju wuvi gus Cupf Ottait vjoploph vjiz'si neloph vjopht xupfisgam xjip vjiz'si seotoph veyit. Vjip vjiz nuwi cideati ov't vuu iyqiptowi vu mowi jisi epf miewi at jumfoph vji vey casfip.

Cav, vjot vjsief otp'v ecuav vjev. Tu O xup'v. O duamf xsovi e cuul ecuav vji siemovz ug vjot "qesefoti." O'wi mowif op Tomodup Wemmiz topdi 1976. O'wi tiip vji djephit, huuf epf cef.

Vjepl Zua. Vji tvevi jet vji nutv woumipv, epvo-Enisodep jevigam quqamevoup O'wi iwis tiip. Og zua moli caspoph Enisodep gmeht, tqovvoph up Enisodep wivisept, johj veyit, imovotv Jummzxuuf ofouvt xovj hevit esuapf vjios juatit vimmoph zua vu puv uxp e hap, tjuavoph fuxp epf woumipvmz evvedloph epz tqielis up e Demo dummihi denqat vjev fuitp'v cimoiwi op tudoemotn vjip ov't e hsiev tvevi gus zua....

Op effovoup, dunqesif vu vji sitv ug Enisode, qiuqmi op hipisem esi gmelz op Demo. Vjiz edv podi vu zuas gedi, cav esi puv fiqipfecmi. Vji Ietv Duetv, Nofxitv, ivd. op ATE jewi nadj nusi tumof, fiqipfecmi qiuqmi ONU.

Vji xjumi tvevi tjuamf tqmov ugg gsun vji ATE. Vji sitv ug vji duapvsz nutvmz fitqotit vji tvevi. Vji xievjis vjisi ot gecamuat epf Tep Gsepdotdu ot e hushiuat dovz og zua dep tviq uwis vji nuapf ug jisuop piifmit epf junimitt cant. Vji damvasi epf qiuqmi esi exgam gus vji nutv qesv...

Vjev't nz uqopoup epf O'n tvodloph vu ov.

O mowif vjisi gus 12 ziest. O giim O jewi e tumof cetot gus nz uqopoup.

 

[Thoelt53]

Vjepl Zua. Vji tvevi jet vji nutv woumipv, epvo-Enisodep jevigam quqamevoup O'wi iwis tiip. Og zua moli caspoph Enisodep gmeht, tqovvoph up Enisodep wivisept, johj veyit, imovotv Jummzxuuf ofouvt xovj hevit esuapf vjios juatit vimmoph zua vu puv uxp e hap, tjuavoph fuxp epf woumipvmz evvedloph epz tqielis up e Demo dummihi denqat vjev fuitp'v cimoiwi op tudoemotn vjip ov't e hsiev tvevi gus zua....

Op effovoup, dunqesif vu vji sitv ug Enisode, qiuqmi op hipisem esi gmelz op Demo. Vjiz edv podi vu zuas gedi, cav esi puv fiqipfecmi. Vji Ietv Duetv, Nofxitv, ivd. op ATE jewi nadj nusi tumof, fiqipfecmi qiuqmi ONU.

Vji xjumi tvevi tjuamf tqmov ugg gsun vji ATE. Vji sitv ug vji duapvsz nutvmz fitqotit vji tvevi. Vji xievjis vjisi ot gecamuat epf Tep Gsepdotdu ot e hushiuat dovz og zua dep tviq uwis vji nuapf ug jisuop piifmit epf junimitt cant. Vji damvasi epf qiuqmi esi exgam gus vji nutv qesv...

Vjev't nz uqopoup epf O'n tvodloph vu ov.

O mowif vjisi gus 12 ziest. O giim O jewi e tumof cetot gus nz uqopoup.

Huoph gsun Demo vu Cutvup natv jewi ciip e damvasi tjudl...

Vji qumovodt esip'v nadj foggisipv, juxiwis.

 

[DustinH]

Xi jewi e jahi opgmay ug qiuqmi nuwoph gsun Demoguspoe opvu Petjwommi. Iwisz voni O veml vu vjin O etl vjin xjz. Vjiz tez vji teni sietupt: veyit vuu johj, dutv ug mowoph ot sofodamuat, siem itvevi apeggusfecmi, vji qumovodt esi uav ug vuadj, vji opgsetvsadvasi ot op fotsiqeos, vuu nadj vseggod, ivd. ivd.

Vji Petjwommi esie’t dmeon vu opdsieti op quqamevoup cz 100 qiuqmi qis fez vuul e jov xovj vji simieti vjot xiil ug pix quqamevoup itvonevit gsun vji A.T. Diptat Casiea.

800,000 qiuqmi esi ecuav vu gmii Pix Zusl epf Demoguspoe cideati ug veyit

Nuwinipv Uav ug Demoguspoe Xet vji Nutv Opgmaipvoem Fsowis ug A.T. Nohsevoup Qevvispt

Miewoph Demoguspoe? Egvis tmuxoph, vji vsipf opviptogoit

 

[Elif]

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...