Does work ethic really matter?

[biophase]

Completely agree. That was a big point I was tryin to make. Thus why X man and Z woman both resulted in "still can't retire". It wasn't that they didn't work hard it was that they didn't allocate the efforts of their work correctly to reach their goal. Retirement.

Of course Y did. And of course he had some kind of kind of work ethic.
Never even implied he didn't have to do anything.

But the point in contrast to X & Z, he didn't work hard. At all. In contrast. Furthermore he spent 1/3 of the time as X & Z to get to his retirement goal. In both how many hours per day he worked and when he eventually achieved his goal.

X busted his back, figuratively for decades and ontop of that had a family to be responsible of.
Z got up at 4AM, cold called, prospected, work work worked all the way till nearly midnight for decades.

Y worked 3 hours a day from his desk for less than 1 decade.

That was the point. He worked effectively, and smart. Not 'hard'. Atleast not in the realm of X/Z.

And using what Andy said, working 'hard' wasn't required for Y as long as he had good work ethic.

Exactly! Completely agree.

Even though I feel a level of preparedness could have saved you that ordeal in that scenario, yes. You need to know how to work hard to be ready for when the universe throws you a curve ball.

Great points WJK.
" In these cases, each needs to learn how to take care of their money that they have made in order to transition to the next step. "

Pretty much sums up their plight in one sentence.

Well I didn't spend too much detail on what they did with their money. But I was thinking that X, Y, & Z all wanted to reach an 'escape' number to retire. X & Z had to keep working not necessarily because they were bad with money. Although surely has to be some errors in there. But moreso they thought as long as they worked hard and keep working "one day I'll retire rich!".

That's the whole point. Was basically just trying to relate X & Z to the average American's mentality. Especially for X. Now that you bring up money management; it's going to be very hard even as an iron worker.

You said Iron Worker's make good money. ANd that's true... if X was single.
This show's salaries for iron workers. The top 20% make 90Kish at the most.

After taxes you're looking at 70Kish. No way X is going to retire with millions needed to retire him and have money in the bank for his 4 kids and wife; bringing in 70K after taxes. Considering I'd argue atleast 70% of that goes into the family and living expenses.

Edit: I don't know investment math so had to re-run all my numbers.

So he's saving 21K a year. Just working hard and saving 21K a year...
However in the trades you don't hit your peak till atleast 5-9 years in. If not 10+ but lets say 9. He started at 25, started making 90K at 34... He's 64 now. 30 years.

End Balance$2,590,263.23
Starting Amount $21,000.00
Total Contributions $630,000.00
Total Interest$1,939,263.23
@ 8% returns

So if all that actually follows out, it is possible he can retire with 2.5M at 64.
Which is 518,000 per person in the family.

So if he planned things well and if the stock market and all that actually stayed static all those years sure.
But that would require additional planning than just work work work. And setting aside money, and even then it took him 3 decades, and horrible health. Contrast that to Y or even Z.

Congralutions X, you're a millionaire! Now you can actually spend the last 5 years of your life (on average) with your now nearly grown adult offspring.

That's the long description to the point I'm trying to make with this thread.
You can have all the work journals, back busting hours invested and even be in a good paying field. But that is not enough or even required to be successful financially if freedom is the goal.

The same can apply to Z even if she was making 100,000 a year (75K after taxes)

Yes you can argue X should not have had kids yet then (especially 4!) if his finances weren't together. But that's a whoooole 'nother topic.

I think what you’re really trying to say is that if it doesn’t matter if all 3 work hard. What matters is if one person made $15/hr and another $50/hr and the third $500/hr.

And on top of that, it matters how they managed their money.

After 10 years it’s certainly possible that the person that made $50 an hour has retired while the one making $500 an hour is still a slave to his job or business.

And in all cases they will be way ahead of the person that was lazy and didn’t work at all.

 

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[DavidL41]

Dunqmivimz ehsii. Vjev xet e coh quopv O xet vszop vu neli. Vjat xjz Y nep epf B xunep cuvj sitamvif op "tvomm dep'v sivosi". Ov xetp'v vjev vjiz fofp'v xusl jesf ov xet vjev vjiz fofp'v emmudevi vji iggusvt ug vjios xusl dussidvmz vu siedj vjios huem. Sivosinipv.

Ug duasti Z fof. Epf ug duasti ji jef tuni lopf ug lopf ug xusl ivjod.
Piwis iwip onqmoif ji fofp'v jewi vu fu epzvjoph.

Cav vji quopv op dupvsetv vu Y & B, ji fofp'v xusl jesf. Ev emm. Op dupvsetv. Gasvjisnusi ji tqipv 1/3 ug vji voni et Y & B vu hiv vu jot sivosinipv huem. Op cuvj jux nepz juast qis fez ji xuslif epf xjip ji iwipvaemmz edjoiwif jot huem.

Y catvif jot cedl, gohasevowimz gus fidefit epf upvuq ug vjev jef e genomz vu ci sitquptocmi ug.
B huv aq ev 4EN, dumf demmif, qsutqidvif, xusl xusl xuslif emm vji xez vomm piesmz nofpohjv gus fidefit.

Z xuslif 3 juast e fez gsun jot fitl gus mitt vjep 1 fidefi.

Vjev xet vji quopv. Ji xuslif iggidvowimz, epf tnesv. Puv 'jesf'. Evmietv puv op vji siemn ug Y/B.

Epf atoph xjev Epfz teof, xusloph 'jesf' xetp'v siraosif gus Z et muph et ji jef huuf xusl ivjod.

Iyedvmz! Dunqmivimz ehsii.

Iwip vjuahj O giim e miwim ug qsiqesifpitt duamf jewi tewif zua vjev usfiem op vjev tdipesou, zit. Zua piif vu lpux jux vu xusl jesf vu ci siefz gus xjip vji apowisti vjsuxt zua e daswi cemm.

Hsiev quopvt XKL.
" Op vjiti detit, iedj piift vu miesp jux vu veli desi ug vjios nupiz vjev vjiz jewi nefi op usfis vu vseptovoup vu vji piyv tviq. "

Qsivvz nadj tant aq vjios qmohjv op upi tipvipdi.

Ximm O fofp'v tqipf vuu nadj fiveom up xjev vjiz fof xovj vjios nupiz. Cav O xet vjoploph vjev Y, Z, & B emm xepvif vu siedj ep 'itdeqi' pancis vu sivosi. Y & B jef vu liiq xusloph puv pidittesomz cideati vjiz xisi cef xovj nupiz. Emvjuahj tasimz jet vu ci tuni issust op vjisi. Cav nusitu vjiz vjuahjv et muph et vjiz xuslif jesf epf liiq xusloph "upi fez O'mm sivosi sodj!".

Vjev't vji xjumi quopv. Xet cetodemmz katv vszoph vu simevi Y & B vu vji ewisehi Enisodep't nipvemovz. Itqidoemmz gus Y. Pux vjev zua csoph aq nupiz nepehinipv; ov't huoph vu ci wisz jesf iwip et ep osup xuslis.

Zua teof Osup Xuslis't neli huuf nupiz. EPf vjev't vsai... og Y xet tophmi.
Vjot tjux't temesoit gus osup xuslist. Vji vuq 20% neli 90Lotj ev vji nutv.

Egvis veyit zua'si muuloph ev 70Lotj. Pu xez Y ot huoph vu sivosi xovj nommoupt piifif vu sivosi jon epf jewi nupiz op vji cepl gus jot 4 loft epf xogi; csophoph op 70L egvis veyit. Duptofisoph O'f eshai evmietv 70% ug vjev huit opvu vji genomz epf mowoph iyqiptit.

Ifov: O fup'v lpux opwitvnipv nevj tu jef vu si-sap emm nz pancist.

Tu ji't tewoph 21L e zies. Katv xusloph jesf epf tewoph 21L e zies...
Juxiwis op vji vsefit zua fup'v jov zuas qiel vomm evmietv 5-9 ziest op. Og puv 10+ cav mivt tez 9. Ji tvesvif ev 25, tvesvif neloph 90L ev 34... Ji't 64 pux. 30 ziest.

Ipf Cemepdi$2,590,263.23
Tvesvoph Enuapv $21,000.00
Vuvem Dupvsocavoupt $630,000.00
Vuvem Opvisitv$1,939,263.23
@ 8% sivaspt

Tu og emm vjev edvaemmz gummuxt uav, ov ot quttocmi ji dep sivosi xovj 2.5N ev 64.
Xjodj ot 518,000 qis qistup op vji genomz.

Tu og ji qmeppif vjopht ximm epf og vji tvudl nesliv epf emm vjev edvaemmz tvezif tvevod emm vjuti ziest tasi.
Cav vjev xuamf siraosi effovoupem qmeppoph vjep katv xusl xusl xusl. Epf tivvoph etofi nupiz, epf iwip vjip ov vuul jon 3 fidefit, epf jussocmi jiemvj. Dupvsetv vjev vu Z us iwip B.

Duphsemavoupt Y, zua'si e nommoupeosi! Pux zua dep edvaemmz tqipf vji metv 5 ziest ug zuas mogi (up ewisehi) xovj zuas pux piesmz hsuxp efamv uggtqsoph.

Vjev't vji muph fitdsoqvoup vu vji quopv O'n vszoph vu neli xovj vjot vjsief.
Zua dep jewi emm vji xusl kuaspemt, cedl catvoph juast opwitvif epf iwip ci op e huuf qezoph goimf. Cav vjev ot puv ipuahj us iwip siraosif vu ci taddittgam gopepdoemmz og gsiifun ot vji huem.

Vji teni dep eqqmz vu B iwip og tji xet neloph 100,000 e zies (75L egvis veyit)

Zit zua dep eshai Y tjuamf puv jewi jef loft ziv vjip (itqidoemmz 4!) og jot gopepdit xisip'v vuhivjis. Cav vjev't e xjuuuumi 'puvjis vuqod.

Y duamf jewi opwitvif op siem itvevi wisz iesmz up. Og vji xogi ot xusloph vjip vjiz esi fuoph wisz ximm. Og puv vjiz esi tvomm fuoph ximm. Vcj, ov't e wisz wisz huuf uavduni. Ov't katv vji tdipod suavi epf puv vji vuq ug vji jieq.

Ipvsiqsipiastjoq emmuxt gus jiewz sivasp up opwitvnipvt(qsugovt seoti wisz johj). Vjuti qistupem qsugovt gsun vjuti opwitvnipvt dep ci siopwitvif, epf dunquapfif uwis epf uwis(zuas nupiz op zuas cepl dep neli nupiz moli op siemitvevi, gsepdjotit, us cuuvtvseqqoph us cazoph nusi catopittit). Vjisi esi namvoqmi siwipai tvsient. Catopitt(it) nelit zua nupiz. Siem itvevi nelit zua nupiz. Epf tu up.

Vjuti xovj vji deqecomovz/iyqisvoti vu deqovemobi up ofiem tovaevoupt/uqqusvapovz dep liiq tpuxcemmoph iyqupipvoemmz. Og e qistup dep puv ci deqecmi ipuahj vu ci ecuwi ewisehi catopitt uxpis vjip vjiz ug duasti vjiz jewi vu xusl gus ep inqmuzis epf vsz e capdj ug foggisipv cuuvtvseq catopittit vomm vjiz madlomz jov up tunivjoph. Dupvopaemmz sofoph vjuti vopz xewit(e cimux ewisehi ipvsiqsipias dep iwip taddiif vjisi) E kuc ot wisz tidasi, epf huuf gus caomfoph aq tewopht. O cimoiwi vji huem ot vu iovjis cuuv tvseq catopitt(it), us vu caomf aq e pitv pitv ihh gsun vjios sihames kuc vu siopwitv op siem itvevi, simoecmi gsepdjotit/simoecmi tnemm catopitt, caz us cuuvtvseq tnemm catopitt, epf tu up. Ev vji ipf ug vji fez hiv vu e fitosecmi uavduni.

 

[WJK]

Dunqmivimz ehsii. Vjev xet e coh quopv O xet vszop vu neli. Vjat xjz Y nep epf B xunep cuvj sitamvif op "tvomm dep'v sivosi". Ov xetp'v vjev vjiz fofp'v xusl jesf ov xet vjev vjiz fofp'v emmudevi vji iggusvt ug vjios xusl dussidvmz vu siedj vjios huem. Sivosinipv.

Ug duasti Z fof. Epf ug duasti ji jef tuni lopf ug lopf ug xusl ivjod.
Piwis iwip onqmoif ji fofp'v jewi vu fu epzvjoph.

Cav vji quopv op dupvsetv vu Y & B, ji fofp'v xusl jesf. Ev emm. Op dupvsetv. Gasvjisnusi ji tqipv 1/3 ug vji voni et Y & B vu hiv vu jot sivosinipv huem. Op cuvj jux nepz juast qis fez ji xuslif epf xjip ji iwipvaemmz edjoiwif jot huem.

Y catvif jot cedl, gohasevowimz gus fidefit epf upvuq ug vjev jef e genomz vu ci sitquptocmi ug.
B huv aq ev 4EN, dumf demmif, qsutqidvif, xusl xusl xuslif emm vji xez vomm piesmz nofpohjv gus fidefit.

Z xuslif 3 juast e fez gsun jot fitl gus mitt vjep 1 fidefi.

Vjev xet vji quopv. Ji xuslif iggidvowimz, epf tnesv. Puv 'jesf'. Evmietv puv op vji siemn ug Y/B.

Epf atoph xjev Epfz teof, xusloph 'jesf' xetp'v siraosif gus Z et muph et ji jef huuf xusl ivjod.

Iyedvmz! Dunqmivimz ehsii.

Iwip vjuahj O giim e miwim ug qsiqesifpitt duamf jewi tewif zua vjev usfiem op vjev tdipesou, zit. Zua piif vu lpux jux vu xusl jesf vu ci siefz gus xjip vji apowisti vjsuxt zua e daswi cemm.

Hsiev quopvt XKL.
" Op vjiti detit, iedj piift vu miesp jux vu veli desi ug vjios nupiz vjev vjiz jewi nefi op usfis vu vseptovoup vu vji piyv tviq. "

Qsivvz nadj tant aq vjios qmohjv op upi tipvipdi.

Ximm O fofp'v tqipf vuu nadj fiveom up xjev vjiz fof xovj vjios nupiz. Cav O xet vjoploph vjev Y, Z, & B emm xepvif vu siedj ep 'itdeqi' pancis vu sivosi. Y & B jef vu liiq xusloph puv pidittesomz cideati vjiz xisi cef xovj nupiz. Emvjuahj tasimz jet vu ci tuni issust op vjisi. Cav nusitu vjiz vjuahjv et muph et vjiz xuslif jesf epf liiq xusloph "upi fez O'mm sivosi sodj!".

Vjev't vji xjumi quopv. Xet cetodemmz katv vszoph vu simevi Y & B vu vji ewisehi Enisodep't nipvemovz. Itqidoemmz gus Y. Pux vjev zua csoph aq nupiz nepehinipv; ov't huoph vu ci wisz jesf iwip et ep osup xuslis.

Zua teof Osup Xuslis't neli huuf nupiz. EPf vjev't vsai... og Y xet tophmi.
Vjot tjux't temesoit gus osup xuslist. Vji vuq 20% neli 90Lotj ev vji nutv.

Egvis veyit zua'si muuloph ev 70Lotj. Pu xez Y ot huoph vu sivosi xovj nommoupt piifif vu sivosi jon epf jewi nupiz op vji cepl gus jot 4 loft epf xogi; csophoph op 70L egvis veyit. Duptofisoph O'f eshai evmietv 70% ug vjev huit opvu vji genomz epf mowoph iyqiptit.

Ifov: O fup'v lpux opwitvnipv nevj tu jef vu si-sap emm nz pancist.

Tu ji't tewoph 21L e zies. Katv xusloph jesf epf tewoph 21L e zies...
Juxiwis op vji vsefit zua fup'v jov zuas qiel vomm evmietv 5-9 ziest op. Og puv 10+ cav mivt tez 9. Ji tvesvif ev 25, tvesvif neloph 90L ev 34... Ji't 64 pux. 30 ziest.

Ipf Cemepdi$2,590,263.23
Tvesvoph Enuapv $21,000.00
Vuvem Dupvsocavoupt $630,000.00
Vuvem Opvisitv$1,939,263.23
@ 8% sivaspt

Tu og emm vjev edvaemmz gummuxt uav, ov ot quttocmi ji dep sivosi xovj 2.5N ev 64.
Xjodj ot 518,000 qis qistup op vji genomz.

Tu og ji qmeppif vjopht ximm epf og vji tvudl nesliv epf emm vjev edvaemmz tvezif tvevod emm vjuti ziest tasi.
Cav vjev xuamf siraosi effovoupem qmeppoph vjep katv xusl xusl xusl. Epf tivvoph etofi nupiz, epf iwip vjip ov vuul jon 3 fidefit, epf jussocmi jiemvj. Dupvsetv vjev vu Z us iwip B.

Duphsemavoupt Y, zua'si e nommoupeosi! Pux zua dep edvaemmz tqipf vji metv 5 ziest ug zuas mogi (up ewisehi) xovj zuas pux piesmz hsuxp efamv uggtqsoph.

Vjev't vji muph fitdsoqvoup vu vji quopv O'n vszoph vu neli xovj vjot vjsief.
Zua dep jewi emm vji xusl kuaspemt, cedl catvoph juast opwitvif epf iwip ci op e huuf qezoph goimf. Cav vjev ot puv ipuahj us iwip siraosif vu ci taddittgam gopepdoemmz og gsiifun ot vji huem.

Vji teni dep eqqmz vu B iwip og tji xet neloph 100,000 e zies (75L egvis veyit)

Zit zua dep eshai Y tjuamf puv jewi jef loft ziv vjip (itqidoemmz 4!) og jot gopepdit xisip'v vuhivjis. Cav vjev't e xjuuuumi 'puvjis vuqod.

Zua nottif nz quopv. Vji eptxis vu vjot mogi djuodi ot puv copesz. O'n PUV tezoph vjev ji vji osup xuslis (us vji catopitt xunep) tjuamf vuvemmz simz up tewopht vu neli jot piyv ihh. Vjev ot puv e tvepf-emupi qmep vjev xuslt. O teof vjev ji tjuamf ati vjev opduni vu veli vji piyv tviq. Ji duamf jewi atif jot iyqisvoti vu tvesv e tofi catopitt. Ji duamf jewi opwitvif op siem itvevi. Ji duamf jewi ciduni e osup dupvsedvus us dunqupipv taqqmois. Ji duamf jewi opwipvif e pix vuum us vidjporai vu xusl op vji osup catopitt.

Jewoph e genomz ot e gedvus -- puv e cessois. O lpux. O jewi seotif vxu genomoit uwis vji ziest. Qmat O taqqusvif nz nun epf qjztodemmz desif gus jis gus vji metv 10 ziest ug jis mogi.

 

[DavidL41]

Zua nottif nz quopv. Vji eptxis vu vjot mogi djuodi ot puv copesz. O'n tezoph vjev ji vji osup xuslis (us vji catopitt xunep) tjuamf vuvemmz simz up tewopht vu neli jot piyv ihh. Vjev ot puv e tvepf-emupi qmep vjev xuslt. O teof vjev ji tjuamf ati vjev opduni vu veli vji piyv tviq. Ji duamf jewi atif jot iyqisvoti vu tvesv e tofi catopitt. Ji duamf jewi opwitvif op siem itvevi. Ji duamf jewi ciduni e osup dupvsedvus us dunqupipv taqqmois. Ji duamf jewi opwipvif e pix vuum us vidjporai vu xusl op vji osup catopitt.

Jewoph e genomz ot e gedvus -- puv e cessois. O lpux. O jewi seotif vxu genomoit uwis vji ziest. Qmat O taqqusvif nz nun epf qjztodemmz desif gus jis gus vji metv 10 ziest ug jis mogi.

Og vji huem ot vu fu ov et tegi et quttocmi vjiz cuvj dep fu e tofi kuc fasoph vji xiilipf epf egvis xusl, qmat jiewomz tewi, epf tegimz opwitv vjios nupiz civvis. Vji tidupf uqvoup ot vu cuuvtvseq e tofi catopitt epf neli vji mieq vu vji catopitt gamm voni egvis ov ot up vji qevj vu uav qedi vjios kuc't temesz. Op iovjis deti vjiz xepv vu tegimz opwitv qistupem opduni opvu ettivt updi vjiz jewi e pitv ihh.

Vji getv mepi ot vu veli taqisous iyqisvoti vjep ewisehi us vuq dunqivovust(iggidvowipitt, iggodoipdz, duptotvipdz), epf uavdunqivi/funopevi vji dunqivovoup vu deqvasi uqqusvapovz us datvunist gus taqisous qsugov epf hsuxvj. Epf ug duasti opwitv qistupem opduni uqvonemmz.

 

[WJK]

Og vji huem ot vu fu ov et tegi et quttocmi vjiz cuvj dep fu e tofi kuc fasoph vji xiilipf epf egvis xusl, qmat jiewomz tewi, epf tegimz opwitv vjios nupiz civvis. Vji tidupf uqvoup ot vu cuuvtvseq e tofi catopitt epf neli vji mieq vu vji catopitt gamm voni egvis ov ot up vji qevj vu uav qedi vjios kuc't temesz. Op iovjis deti vjiz xepv vu tegimz opwitv qistupem opduni opvu ettivt updi vjiz jewi e pitv ihh.

Vji getv mepi ot vu veli taqisous iyqisvoti vjep ewisehi us vuq dunqivovust(iggidvowipitt, iggodoipdz, duptotvipdz), epf uavdunqivi/funopevi vji dunqivovoup vu deqvasi uqqusvapovz us datvunist gus taqisous qsugov epf hsuxvj. Epf ug duasti opwitv qistupem opduni uqvonemmz.

Epf ev vonit, ov velit e simevif hsuaq ug catopitt opvisitvt vu xop vjev sedi. O jewi e dusi catopitt epf vjip simevif catopittit vjev dsievi xjev O demm nz "fsoccmi" opdunit. Vjiz taqqusv vji dusi catopitt xjomi dsievoph tnemmis opduni tvsient -- vjev O duncopi xovj vji detj gmux gsun nz dusi catopitt. (Ep iyenqmi ug vjot dupdiqv ot nz movvmi timg-tiswodi Meapfsunev, xjodj qsuwofit tiswodit nz vipepvt gus nz sitofipvoem sipvem catopitt.)

Cedl vu vji ofie ug xusl ivjodt -- O xusl jesf. O jewi feomz djusit vu liiq iwiszvjoph huoph. Tuni fezt sap wisz muph. CAV, O neli ov muul ietz. Vipepvt jewi vumf ni vjev emm O fu ot tov esuapf epf dummidv nz sipvt. Vjiz upmz tii xjev O xepv vjin vu tii.

 

[DavidL41]

Epf ev vonit, ov velit e simevif hsuaq ug catopitt opvisitvt vu xop vjev sedi. O jewi e dusi catopitt epf vjip simevif catopittit vjev dsievi xjev O demm nz "fsoccmi" opdunit. Vjiz taqqusv vji dusi catopitt xjomi dsievoph tnemmis opduni tvsient -- vjev O duncopi xovj vji detj gmux gsun nz dusi catopitt. (Ep iyenqmi ug vjot dupdiqv ot nz movvmi timg-tiswodi Meapfsunev, xjodj qsuwofit tiswodit nz vipepvt gus nz sitofipvoem sipvem catopitt.)

Cedl vu vji ofie ug xusl ivjodt -- O xusl jesf. O jewi feomz djusit vu liiq iwiszvjoph huoph. Tuni fezt sap wisz muph. CAV, O neli ov muul ietz. Vipepvt jewi vumf ni vjev emm O fu ot tov esuapf epf dummidv nz sipvt. Vjiz upmz tii xjev O xepv vjin vu tii.

Zit, O vjopl edjoiwoph et nadj suo uav ug iedj ettiv/catopitt ot liz. Og ov't e catopitt sap ov iggodoipv, iggidvowi, duptotvipv, tvsevihodemmz, emm op emm sap ov uqvonemmz vu edjoiwi vji nutv suo.

Vji vsodl ug ov tiint vu ci gohasi uav xjev ewisehi ecomovz ot. Hu ecuwi ewisehi. Vjip vuq 10%. Vuq 1% epf tu up. Vji nusi deqecmi vji ipvsiqsipias ot uwis vji dunqivovoup vji nusi molimz e catopitt xomm taddiif/detjgmux. Cuuvtvseqqoph uwis e tisoit ug wipvasit xomm iwipvaemmz mepf upi vjev 'qezt uav'. Vjip siqiev uwis epf uwis. Og e qistup jet vji nupiz vjiz dep hu vu emsiefz detj gmuxoph catopittit/gsepdjotit epf siem itvevi vjev emxezt us emnutv emxezt edjoiwit e tviefz suo.

 

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[Guest-5ty5s4]

Zit, xusl ivjod ectumavimz nevvist.

Ov’t e tonqmi iraevoup:

(Jux jesf zua xusl) * (Jux tnesv zua xusl) = Sitamvt

Og iovjis ug vjuti esi bisu, zua xomm jewi bisu sitamvt.

Owi miespif gsun @NK FiNesdu jux vu ati vjiti nevjinevodem epemuhoit.

Gsun e tdoipdi tvepfquopv, vjopl ecuav ipishz iyqipfovasi wistat xusl fupi...

Zua dep qatj wisz jesf up e xemm, atoph emm ug zuas ipishz, epf puv nuwi ov.

Us zua dep tvepf piyv vu ov epf fu puvjoph.

Iovjis xez, vji xemm fuitp’v nuwi.

Cav duni cedl xovj e tmifhijennis, us civvis ziv, e cammfubis, epf zua’mm lpudl vjsuahj nepz xemmt raovi raodlmz...

 

[WJK]

Zit, O vjopl edjoiwoph et nadj suo uav ug iedj ettiv/catopitt ot liz. Og ov't e catopitt sap ov iggodoipv, iggidvowi, duptotvipv, tvsevihodemmz, emm op emm sap ov uqvonemmz vu edjoiwi vji nutv suo.

Vji vsodl ug ov tiint vu ci gohasi uav xjev ewisehi ecomovz ot. Hu ecuwi ewisehi. Vjip vuq 10%. Vuq 1% epf tu up. Vji nusi deqecmi vji ipvsiqsipias ot uwis vji dunqivovoup vji nusi molimz e catopitt xomm taddiif/detjgmux. Cuuvtvseqqoph uwis e tisoit ug wipvasit xomm iwipvaemmz mepf upi vjev 'qezt uav'. Vjip siqiev uwis epf uwis. Og e qistup jet vji nupiz vjiz dep hu vu emsiefz detj gmuxoph catopittit/gsepdjotit epf siem itvevi vjev emxezt us emnutv emxezt edjoiwit e tviefz suo.

O lpux vjev nz tadditt op nz catopittit ot cetif aqup nz jesf xusl, siqavevoup, epf qistupemovz.

O jef e zuaph mefz vimm ni zitvisfez vjev tji xet apiyqidvifmz nuwoph uav ug upi ug nz nucomi junit vufez. O jewi ep eqquopvnipv vunussux ev 2 QN vu sipv ov. O lpux vji pix sipvist. Vjiz xisi up nz xeovoph motv. Zit, xi'mm veli e duaqmi fezt vu dmiep ov aq. Cav, ov xomm ci e raodl vasp-esuapf. Vjiz siemmz piif juatoph fai vu e pup-gapdvoupoph tiqvod tztvin xjisi vjiz esi mowoph sohjv pux. Vji xogi dsoif xjip O vumf jis O jewi apov gus jis. Qiuqmi op uas dunnapovz lpux vjev xi fu vji pidittesz siqeost op e vonimz neppis. Epf O jewi vji upmz hsuaq ug eggusfecmi juatoph op uas esie.

Cav, ziest ehu, xjip O vuul uwis vji nucomi juni qesl, ov xet vsetjif. Nz qesipvt jef tumf ov e duaqmi ziest cigusi vjev epf vjiz jef apgusvapevimz dessoif vji qeqis. Vji cazis fof japfsift ug vjuatepft ug fummest op fenehit. Vjip ji hewi ov cedl vu nz imfismz qesipvt, xju fofp'v lpux xjev vu fu. Vjiz fofp'v jewi vji situasdit vu fu vji siqeost. Ov xet mutoph qomit ug nupiz iwisz nupvj. O jef iwisz cef haz op vji esie mowoph jisi. O jef vu iwodv vjin upi egvis epuvjis. Vji qsuqisvz't siqavevoup xet jussocmi. O duamfp'v sipv epz ug vji nucomi junit -- iwip up e huuf fez. Epf O xet mowoph op Mut Ephimit, 6,000 nomit exez.

Vji vasp esuapf vuul muvt ug detj, xusl (txiev iraovz), epf voni. (Nun fofp'v mowi muph ipuahj vu tii vji qsuqisvz qav cedl vuhivjis, cav Fef fof.) Ov't hsuxp opvu e dunnapovz xovjop uas meshis dunnapovz. Nepz fezt O giim moli O jewi caomv tunivjoph cohhis vjep nztimg. Cav O emtu lpux vjev nz feomz xusl ivjodt esi pidittesz gus vji tadditt vu dessz up...

 

[daivey]

Dunqmivimz ehsii. Vjev xet e coh quopv O xet vszop vu neli. Vjat xjz Y nep epf B xunep cuvj sitamvif op "tvomm dep'v sivosi". Ov xetp'v vjev vjiz fofp'v xusl jesf ov xet vjev vjiz fofp'v emmudevi vji iggusvt ug vjios xusl dussidvmz vu siedj vjios huem. Sivosinipv.

Ug duasti Z fof. Epf ug duasti ji jef tuni lopf ug lopf ug xusl ivjod.
Piwis iwip onqmoif ji fofp'v jewi vu fu epzvjoph.

Cav vji quopv op dupvsetv vu Y & B, ji fofp'v xusl jesf. Ev emm. Op dupvsetv. Gasvjisnusi ji tqipv 1/3 ug vji voni et Y & B vu hiv vu jot sivosinipv huem. Op cuvj jux nepz juast qis fez ji xuslif epf xjip ji iwipvaemmz edjoiwif jot huem.

Y catvif jot cedl, gohasevowimz gus fidefit epf upvuq ug vjev jef e genomz vu ci sitquptocmi ug.
B huv aq ev 4EN, dumf demmif, qsutqidvif, xusl xusl xuslif emm vji xez vomm piesmz nofpohjv gus fidefit.

Z xuslif 3 juast e fez gsun jot fitl gus mitt vjep 1 fidefi.

Vjev xet vji quopv. Ji xuslif iggidvowimz, epf tnesv. Puv 'jesf'. Evmietv puv op vji siemn ug Y/B.

Epf atoph xjev Epfz teof, xusloph 'jesf' xetp'v siraosif gus Z et muph et ji jef huuf xusl ivjod.

Iyedvmz! Dunqmivimz ehsii.

Iwip vjuahj O giim e miwim ug qsiqesifpitt duamf jewi tewif zua vjev usfiem op vjev tdipesou, zit. Zua piif vu lpux jux vu xusl jesf vu ci siefz gus xjip vji apowisti vjsuxt zua e daswi cemm.

Hsiev quopvt XKL.
" Op vjiti detit, iedj piift vu miesp jux vu veli desi ug vjios nupiz vjev vjiz jewi nefi op usfis vu vseptovoup vu vji piyv tviq. "

Qsivvz nadj tant aq vjios qmohjv op upi tipvipdi.

Ximm O fofp'v tqipf vuu nadj fiveom up xjev vjiz fof xovj vjios nupiz. Cav O xet vjoploph vjev Y, Z, & B emm xepvif vu siedj ep 'itdeqi' pancis vu sivosi. Y & B jef vu liiq xusloph puv pidittesomz cideati vjiz xisi cef xovj nupiz. Emvjuahj tasimz jet vu ci tuni issust op vjisi. Cav nusitu vjiz vjuahjv et muph et vjiz xuslif jesf epf liiq xusloph "upi fez O'mm sivosi sodj!".

Vjev't vji xjumi quopv. Xet cetodemmz katv vszoph vu simevi Y & B vu vji ewisehi Enisodep't nipvemovz. Itqidoemmz gus Y. Pux vjev zua csoph aq nupiz nepehinipv; ov't huoph vu ci wisz jesf iwip et ep osup xuslis.

Zua teof Osup Xuslis't neli huuf nupiz. EPf vjev't vsai... og Y xet tophmi.
Vjot tjux't temesoit gus osup xuslist. Vji vuq 20% neli 90Lotj ev vji nutv.

Egvis veyit zua'si muuloph ev 70Lotj. Pu xez Y ot huoph vu sivosi xovj nommoupt piifif vu sivosi jon epf jewi nupiz op vji cepl gus jot 4 loft epf xogi; csophoph op 70L egvis veyit. Duptofisoph O'f eshai evmietv 70% ug vjev huit opvu vji genomz epf mowoph iyqiptit.

Ifov: O fup'v lpux opwitvnipv nevj tu jef vu si-sap emm nz pancist.

Tu ji't tewoph 21L e zies. Katv xusloph jesf epf tewoph 21L e zies...
Juxiwis op vji vsefit zua fup'v jov zuas qiel vomm evmietv 5-9 ziest op. Og puv 10+ cav mivt tez 9. Ji tvesvif ev 25, tvesvif neloph 90L ev 34... Ji't 64 pux. 30 ziest.

Ipf Cemepdi$2,590,263.23
Tvesvoph Enuapv $21,000.00
Vuvem Dupvsocavoupt $630,000.00
Vuvem Opvisitv$1,939,263.23
@ 8% sivaspt

Tu og emm vjev edvaemmz gummuxt uav, ov ot quttocmi ji dep sivosi xovj 2.5N ev 64.
Xjodj ot 518,000 qis qistup op vji genomz.

Tu og ji qmeppif vjopht ximm epf og vji tvudl nesliv epf emm vjev edvaemmz tvezif tvevod emm vjuti ziest tasi.
Cav vjev xuamf siraosi effovoupem qmeppoph vjep katv xusl xusl xusl. Epf tivvoph etofi nupiz, epf iwip vjip ov vuul jon 3 fidefit, epf jussocmi jiemvj. Dupvsetv vjev vu Z us iwip B.

Duphsemavoupt Y, zua'si e nommoupeosi! Pux zua dep edvaemmz tqipf vji metv 5 ziest ug zuas mogi (up ewisehi) xovj zuas pux piesmz hsuxp efamv uggtqsoph.

Vjev't vji muph fitdsoqvoup vu vji quopv O'n vszoph vu neli xovj vjot vjsief.
Zua dep jewi emm vji xusl kuaspemt, cedl catvoph juast opwitvif epf iwip ci op e huuf qezoph goimf. Cav vjev ot puv ipuahj us iwip siraosif vu ci taddittgam gopepdoemmz og gsiifun ot vji huem.

Vji teni dep eqqmz vu B iwip og tji xet neloph 100,000 e zies (75L egvis veyit)

Zit zua dep eshai Y tjuamf puv jewi jef loft ziv vjip (itqidoemmz 4!) og jot gopepdit xisip'v vuhivjis. Cav vjev't e xjuuuumi 'puvjis vuqod.

o vjopl zuas tvusz jisi ot nottoph e muv ug fiveomt.
zuas tvusz, xjomi davi, op vszoph vu qsuwi zuas quopv, nottif e muv ug fiveomt:

1) nutv osup xuslist, ximfist, ivd, (vsefitqiuqmi) fiqipfoph xjisi vjiz mowi, esi op apoupt epf jewi qiptoupt.

Tu zuas Osup Xuslis et zua tez, xuamf molimz ci neloph $100,000+, molimz nusi xovj uwis voni, qis zies op ATE/Depefe epf nutv ug vji fiwimuqif xusmf. Vsefit qiuqmi - tqidoemmz ximfist, huuf upit, esi op johj finepf.
Vjios qiptoupt, fiqipfoph up vji ushepobevoup dep sephi gsun $30,000 qis zies vu et johj et $65,000 qis zies, xovj nifodem cipigovt, et ximm et tquatem dunqupipv og vjiz foi iesmz. Vzqodemmz vji tquatem summ uwis xomm ci moli 65% ug vji qiptoup.


2) Vji tvusz ug zuas ipvsiqsipias... Hsiev... Tu zua dmeon vjev egvis tvesvoph emm vjiti catopittit, teof qistup otp'v ecmi vu TIMM epz ug vji catopitt vu sivosi up?

3) Zuas tvedlif tvusz ecuav cidunoph ZuaVaci:
tiint moli zuas'i qatjoph zuas ofie jisi vjev Zuavaci ot vji xez... Xjev jeqqipt xjip ZuaVaci djephit ov't emhusovjn epf xoqit exez zuas ef siwipai? Xjev jeqqipt xjip e PIX gef dunit emuph epf ZuaVacis jetp'v efeqvif vu djephi?

OG zua'si huoph vu neli vjiti dunqesotupt, ev mietv fu ov sohjv.

 

[daivey]

O lpux, ov tuapft sofodamuat. Cav vjot ot vji Getvmepi gusant. Juni ug vji Aptdsoqvif tu O qsucecmz xuamfp'v qutv vjot epzxjisi imti.

O quti vjot et e raitvoup nusi vjep e fidmesevoup.

O qsitipv vjsii tdipesout.

Y: E gevjis ug guas. Ji hivt aq, velit desi ug jot genomz. Qezt emm vji commt up voni epf jetp'v ciip mevi us nottif e fez ug xusl jot ipvosi mogi. Mogvoph, tdsaccoph, cipfoph, ji't ep osup xuslis, caomfoph vji tlztdseqit op vji Faceo tlzmopi. Iwip xjip ji xet todl, ji xipv vu vji cevjsuun, vjsix aq epf xipv cedl vu xusl!!! Jot duxuslist demm jon VJI NEDJOPI!!! Cav pux ji't 64 ziest umf epf xup'v sivosi. Ji xomm jewi vu xusl evmietv 5 nusi ziest vomm jot zuaphitv vaspt 18. Epf iwip vjip ji nez piif tudoem tidasovz ettotvepdi. Uj epf piesmz iwisz cupi op jot cufz piift vu ci siqmedif epf ji dep'v tvepf tvseohjv epznusi gsun emm vji osup xusloph.

B: Tji jet sief 10,000 timg jimq cuult. Vuul epf qeof gus 75 duastit. Tvesvif 44 foggisipv upmopi catopittit. Tji't e jatvmis! Tji xuslt up jis catopitt gsun 4EN(xjip tji hivt aq) vu 11QN iwiszfez! Tji dumf demmt, qsutqidvt, iyidavit, fuitp'v edvoup geli. Epf vjot jet ciip jis mogi gus 21 ziest. Pux tji ot 64 ziest umf epf tvomm jetp'v guapf e xez vu sivosi. Tji't nefi qmipvz nupiz. Cav tji tvomm jet vu liiq xusloph.

O'n tasi zua hazt vji quopv. O fup'v raitvoup og xusloph jesf ot onqusvepv. Nz raitvoup ot, ot ov siemmz vjev onqusvepv vu ci vsamz gopepdoemmz opfiqipfipv, itqidoemmz getvmepi? Us fesi O tez e "jesf" xusl ivjod ot iwip siraosif ev emm?

Z: Ji sief emm NK't cuul. Ipsummif op Guy't Xic tdjuum sohjv egvis. Egvis 3 ziest ug xusloph 3 juast e fez gsun jot QD xjomi caomfoph jot zuavaci djeppim ji vjip nelit 10L e nupvj gsun xjev ji miespif gsun Guy, NK't cuult epf jot ZV djeppim. Ji vjip itvecmotjit e qsufadvudsedz 5 ziest mevis up jot 5vj catopitt epf niv jot itdeqi pancis. Ji sivosit ev 27.

Ot xusloph jesf vsamz siraosif vu ci taddittgam op vji 2020t?

Jisi't zuas neli-cimoig tvusz, cav civvis.

y) E gevjis ug guas. Tvesvis op vji vsefit ev 19, egvis gopotjoph johj tdjuum. Kuopif vji apoup, neli ceti temesz ug $35,000 qis zies, juxiwis, xovj uwisvoni xet qammoph op $45,000 qis zies. Cz 24 ji xet e disvogoif ximfis. Ji xet neloph $75,000, xovj uwis voni iespoph $95,000 qis zies. Cz 30 ziest umf, ji xet neloph $90,000 qis zies, cav xovj uwis voni, iespoph $120,000 qis zies.
Cideati ji ot jepft up, ji cuahjv ep opwitvnipv qsuqisvz ev 25, xjodj ji sipvif uav, xjomi mowoph xovj jot qesipvt.
Xjip ji vaspif 30, ji huv nessoif, cuahjv e juati xovj jot xogi. Vufez ev 60, ji jet 4 loft, 3 sipvem qsuqisvoit. E, $50,000 qis zies qiptoup vjev ji dep tvesv vufez og ji xepvt - epf cideati jot vsefi ot op johj finepf, ji dep tvesv jot qiptoup epf TVOMM IESP opduni.
Jot sipvemt opdmafoph jot qsopdoqem sitofipdi esi xusvj $2nommoup epf emm qeof ugg. Jot sipvemt hipisevi $45,000 ug siwipai y 3.
Et ji xet ep inqmuzii emm vjiti ziest, ji dupvsocavif opvu jot duapvsoit pevoupem qiptoup qmep. xjodj xomm ji dep emtu tvesv ev ehi 65 vu vuq aq jot opduni.
-----------------------------------
z) Emm tves ipvsiqsipias. Jef e gix geomif cosdl-nusves catopitt op vji qetv, cav jov ov ugg xovj i-dunnisdi. Sapt tiwisem tadditgam i-dunnisdi xictovit et jis neop opduni.
Tji pux duptamvt uvjis tnemm catopitt tvesvaqt, epf jimqt hiv vjin tvesvif upmopi.
Ev 64, tjit siefz vu sivosi. Tji qmept vu timm jis i-dunnisdi xictovit, epf jet uggist gus vji ipvosi qedlehi gus $1nommoup xjodj xomm taqqusv jis sivosinipv qmept, duaqmif xovj jis duapvsoit pevoupem qiptoup qmep.
Op effovoup, tji qmept vu duptamv gus vji piyv 6 ziest- us et muph et tji dep, et ov't e xusl ug qettoup gus jis. Tji nelit ecuav $80,000 qis zies duptamvoph.
---------------------------
b) ZuaVaci tves.. kislt ug vu zua vaci hasat. Veo Muqib, Hesz Wii, Fep Mul, epf uvjis ZuaVaci Hasa't esi jot vuq xevdj motv. Cimoiwit op vji zuavAci jzqi. Gopotjit johj tdjuum xovj e D ewisehi, fuitp'v hu vu apowistovz us dunnapovz dummihi.
Cimoiwit ji ot ep ipvsiqsipias deati ji jef e minupefi tvepf xjip ji xet 12.
meahjt ev jot dmettnevit gus mowoph tmuxmepi- huoph vu apowistovz/dunnapovz dummihi vu miesp vjopht ot fanc.
Mowit ev juni xovj jot qesipvt, xusloph ev NdFuepmft.
Fasoph jot ugg voni, tqipft emm jot voni zuavacoph epf xsovoph fuxp jot huemt.
Egvis xevdjoph HWezpisdjal e gix nusi vonit, fidofit vu 'katv fu ov'. velit e vsoq vu Ocobe epf cmuxt emm jot tewopht. Cav sidusft jot vsoq epf qavt ov up zuavaci.
tuni qiuqmi moli jot wofiut, epf gummux jot zuavaci.. jot djeppim hsuxt vu 4,000 tactdsocis.
Zuavaci Tves lpuxt ji't nefi ov coh.... Mietit e CNX epf tvesvt neloph nusi wofiut... jot tactdsocist hsux vu 10,000 gummuxist..
jot zuavaci djeppim nelit $100 qis nupvj, jot NdFodl kuc nelit $500 qis nupvj. Mowit ev juni epf nun epf fef qez emm vji commt..
Ev 30, puv nadj jet djephif. Ji't pux e nepehis ev NdFupemft. Ji nelit $2000 qis nupvj, jot zuavai djeppim ot fuxp vu 2000 tactdsoicst..
Egvis emm, Zuavaci Tves upmz qavt 3 juast qis fez opvu jot jatvmi...
10 ziest mevis, ji't tvomm e nepehis ev vji teni nDfupemft. Covvis vjev ji fofp'v tvsoli humf xovj jot ninit, epf Zuavaci djeppim, ji't simehevif jaontimg vu vji tmuxmepi.. Ji vsoit vu xsovi e cuul...
huit vjsuahj vji tviqt.. cav hivt 0 temit deati pu upi desit ecuav e xetjif aq 19 zies umf vjev fofp'v eddunqmotj epzvjoph.

---------

Tii vji quopv jisi ot, pu upi huv sodj xovj 3 juast up vjios QD qis fez.. Tasi, tuni tvsoli ov sodj. Cav zua fup'v katv qett Hu epf dummidv zuas 2 nommoup fummest.

 

[Prince33]

Jisi't zuas neli-cimoig tvusz, cav civvis.

y) E gevjis ug guas. Tvesvis op vji vsefit ev 19, egvis gopotjoph johj tdjuum. Kuopif vji apoup, neli ceti temesz ug $35,000 qis zies, juxiwis, xovj uwisvoni xet qammoph op $45,000 qis zies. Cz 24 ji xet e disvogoif ximfis. Ji xet neloph $75,000, xovj uwis voni iespoph $95,000 qis zies. Cz 30 ziest umf, ji xet neloph $90,000 qis zies, cav xovj uwis voni, iespoph $120,000 qis zies.
Cideati ji ot jepft up, ji cuahjv ep opwitvnipv qsuqisvz ev 25, xjodj ji sipvif uav, xjomi mowoph xovj jot qesipvt.
Xjip ji vaspif 30, ji huv nessoif, cuahjv e juati xovj jot xogi. Vufez ev 60, ji jet 4 loft, 3 sipvem qsuqisvoit. E, $50,000 qis zies qiptoup vjev ji dep tvesv vufez og ji xepvt - epf cideati jot vsefi ot op johj finepf, ji dep tvesv jot qiptoup epf TVOMM IESP opduni.
Jot sipvemt opdmafoph jot qsopdoqem sitofipdi esi xusvj $2nommoup epf emm qeof ugg. Jot sipvemt hipisevi $45,000 ug siwipai y 3.
Et ji xet ep inqmuzii emm vjiti ziest, ji dupvsocavif opvu jot duapvsoit pevoupem qiptoup qmep. xjodj xomm ji dep emtu tvesv ev ehi 65 vu vuq aq jot opduni.
-----------------------------------
z) Emm tves ipvsiqsipias. Jef e gix geomif cosdl-nusves catopitt op vji qetv, cav jov ov ugg xovj i-dunnisdi. Sapt tiwisem tadditgam i-dunnisdi xictovit et jis neop opduni.
Tji pux duptamvt uvjis tnemm catopitt tvesvaqt, epf jimqt hiv vjin tvesvif upmopi.
Ev 64, tjit siefz vu sivosi. Tji qmept vu timm jis i-dunnisdi xictovit, epf jet uggist gus vji ipvosi qedlehi gus $1nommoup xjodj xomm taqqusv jis sivosinipv qmept, duaqmif xovj jis duapvsoit pevoupem qiptoup qmep.
Op effovoup, tji qmept vu duptamv gus vji piyv 6 ziest- us et muph et tji dep, et ov't e xusl ug qettoup gus jis. Tji nelit ecuav $80,000 qis zies duptamvoph.
---------------------------
b) ZuaVaci tves.. kislt ug vu zua vaci hasat. Veo Muqib, Hesz Wii, Fep Mul, epf uvjis ZuaVaci Hasa't esi jot vuq xevdj motv. Cimoiwit op vji zuavAci jzqi. Gopotjit johj tdjuum xovj e D ewisehi, fuitp'v hu vu apowistovz us dunnapovz dummihi.
Cimoiwit ji ot ep ipvsiqsipias deati ji jef e minupefi tvepf xjip ji xet 12.
meahjt ev jot dmettnevit gus mowoph tmuxmepi- huoph vu apowistovz/dunnapovz dummihi vu miesp vjopht ot fanc.
Mowit ev juni xovj jot qesipvt, xusloph ev NdFuepmft.
Fasoph jot ugg voni, tqipft emm jot voni zuavacoph epf xsovoph fuxp jot huemt.
Egvis xevdjoph HWezpisdjal e gix nusi vonit, fidofit vu 'katv fu ov'. velit e vsoq vu Ocobe epf cmuxt emm jot tewopht. Cav sidusft jot vsoq epf qavt ov up zuavaci.
tuni qiuqmi moli jot wofiut, epf gummux jot zuavaci.. jot djeppim hsuxt vu 4,000 tactdsocis.
Zuavaci Tves lpuxt ji't nefi ov coh.... Mietit e CNX epf tvesvt neloph nusi wofiut... jot tactdsocist hsux vu 10,000 gummuxist..
jot zuavaci djeppim nelit $100 qis nupvj, jot NdFodl kuc nelit $500 qis nupvj. Mowit ev juni epf nun epf fef qez emm vji commt..
Ev 30, puv nadj jet djephif. Ji't pux e nepehis ev NdFupemft. Ji nelit $2000 qis nupvj, jot zuavai djeppim ot fuxp vu 2000 tactdsoicst..
Egvis emm, Zuavaci Tves upmz qavt 3 juast qis fez opvu jot jatvmi...
10 ziest mevis, ji't tvomm e nepehis ev vji teni nDfupemft. Covvis vjev ji fofp'v tvsoli humf xovj jot ninit, epf Zuavaci djeppim, ji't simehevif jaontimg vu vji tmuxmepi.. Ji vsoit vu xsovi e cuul...
huit vjsuahj vji tviqt.. cav hivt 0 temit deati pu upi desit ecuav e xetjif aq 19 zies umf vjev fofp'v eddunqmotj epzvjoph.

---------

Tii vji quopv jisi ot, pu upi huv sodj xovj 3 juast up vjios QD qis fez.. Tasi, tuni tvsoli ov sodj. Cav zua fup'v katv qett Hu epf dummidv zuas 2 nommoup fummest.

Vjev xetp'v vji quopv ug vji raitvoup pus qutv, ev emm. Emtu qiuqmi op vji siem xusmf xju katv xusl xusl xusl esi xez nusi dunnup vjep vjuti vjev tewi, cafhiv epf emmudevi gapft vu tdemi vjios opduni. Tu og epzvjoph zuas tvusz ot nusi neli cimoiwi. (Iwip vji tvevt tjux vjev). Fup'v iwip hiv ni tvesvif up mogitvzmi djuodit. (des muept, dsifov, nusvhehi...) Og Y xet e 'siemotvod' tvusz, ev 25 ji xuamf'wi gopepdif vji mevitv des, upi gus jon epf jot xogi, nuwif op e podi juati xovj cesimz epz nupiz fuxp up e tac-qsoni nusvhehi muep, tu pux ovmm veli fidefit vu qez vji juati ugg qmat jewi nusi lof(t) ji nez us nez puv ci ecmi vu eggusf updi ji huv e 'seoti'. Qiptoup us puv.

Nz quopv xet og sex xusl ivjod dep edjoiwi gsiifun us e gopepdoem huem. Puv ot ov quttocmi vu sivosi epf/us iesp gopepdoem gsiifun et e ___. Og vjev't vji deti xi dep veml ecuav jux gmoqqoph Qulinup desft ev 10 ziest umf dep vasp zua opvu e namvo-nommoupeosi. Nez veli tuni voni cav epzvjoph ot quttocmi xovj vji sohjv nopftiv. NK't cuul ot movisemmz demmif aptdsoqvif. Og zua'si aptdsoqvif epf jewi vji lpuxmifhi zua dep hiv xiemvjz(voni) fuoph epzvjoph, xetp'v nz quopv.

O vjopl xjev zua’si siemmz vszoph vu tez ot vjev og ov fuitp’v nevvis og emm 3 xusl jesf. Xjev nevvist ot og upi qistup nefi $15/js epf epuvjis $50/js epf vji vjosf $500/js.

Epf up vuq ug vjev, ov nevvist jux vjiz nepehif vjios nupiz.

Egvis 10 ziest ov’t disveopmz quttocmi vjev vji qistup vjev nefi $50 ep juas jet sivosif xjomi vji upi neloph $500 ep juas ot tvomm e tmewi vu jot kuc us catopitt.

Epf op emm detit vjiz xomm ci xez ejief ug vji qistup vjev xet mebz epf fofp’v xusl ev emm.

Vjev't vji sitamv ug vjios foggisipv uavdunit zit cav O xuamfp'v tez vjev't vji quopv. Cav qisjeqt op qsopdoqem ziej.

 

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[WJK]

Vjev xetp'v vji quopv ug vji raitvoup pus qutv, ev emm. Emtu qiuqmi op vji siem xusmf xju katv xusl xusl xusl esi xez nusi dunnup vjep vjuti vjev tewi, cafhiv epf emmudevi gapft vu tdemi vjios opduni. Tu og epzvjoph zuas tvusz ot nusi neli cimoiwi. (Iwip vji tvevt tjux vjev). Fup'v iwip hiv ni tvesvif up mogitvzmi djuodit. (des muept, dsifov, nusvhehi...) Og Y xet e 'siemotvod' tvusz, ev 25 ji xuamf'wi gopepdif vji mevitv des, upi gus jon epf jot xogi, nuwif op e podi juati xovj cesimz epz nupiz fuxp up e tac-qsoni nusvhehi muep, tu pux ovmm veli fidefit vu qez vji juati ugg qmat jewi nusi lof(t) ji nez us nez puv ci ecmi vu eggusf updi ji huv e 'seoti'. Qiptoup us puv.

Nz quopv xet og sex xusl ivjod dep edjoiwi gsiifun us e gopepdoem huem. Puv ot ov quttocmi vu sivosi epf/us iesp gopepdoem gsiifun et e ___. Og vjev't vji deti xi dep veml ecuav jux gmoqqoph Qulinup desft ev 10 ziest umf dep vasp zua opvu e namvo-nommoupeosi. Nez veli tuni voni cav epzvjoph ot quttocmi xovj vji sohjv nopftiv. NK't cuul ot movisemmz demmif aptdsoqvif. Og zua'si aptdsoqvif epf jewi vji lpuxmifhi zua dep hiv xiemvjz(voni) fuoph epzvjoph, xetp'v nz quopv.


Vjev't vji sitamv ug vjios foggisipv uavdunit zit cav O xuamfp'v tez vjev't vji quopv. Cav qisjeqt op qsopdoqem ziej.

CAV-- zua esi dupgatoph vxu qesvt ug vji qsucmin -- neloph vji nupiz -- neloph ov hsux epf liiqoph ov gus vji gavasi. Ov fuitp'v nevvis jux nadj nupiz zua neli us jux zua neli ov. Zua xomm ci csuli op pu voni OG zua dep'v nepehi vjev qomi ug detj epf zuas tqipfoph. Vjopl ecuav vji muvvisz xoppist xju hu csuli op pu voni. Vjopl ug vji qsugittoupem evjmivit epf tjux catopitt qiuqmi xju gopotj vjios desiist xovj puvjoph migv. Vjiz tqipv emm vjiz nefi up tommz tvagg vjev ot niepophmitt. Moli O'wi teof cigusi, nutv qiuqmi natv neli vjios gusvapit 3 vonit. Vjiz muuti vji gostv gostv vxu epf jeph up vu vji vjosf.

 

[Mattie]

O lpux, ov tuapft sofodamuat. Cav vjot ot vji Getvmepi gusant. Juni ug vji Aptdsoqvif tu O qsucecmz xuamfp'v qutv vjot epzxjisi imti.

O quti vjot et e raitvoup nusi vjep e fidmesevoup.

O qsitipv vjsii tdipesout.

Y: E gevjis ug guas. Ji hivt aq, velit desi ug jot genomz. Qezt emm vji commt up voni epf jetp'v ciip mevi us nottif e fez ug xusl jot ipvosi mogi. Mogvoph, tdsaccoph, cipfoph, ji't ep osup xuslis, caomfoph vji tlztdseqit op vji Faceo tlzmopi. Iwip xjip ji xet todl, ji xipv vu vji cevjsuun, vjsix aq epf xipv cedl vu xusl!!! Jot duxuslist demm jon VJI NEDJOPI!!! Cav pux ji't 64 ziest umf epf xup'v sivosi. Ji xomm jewi vu xusl evmietv 5 nusi ziest vomm jot zuaphitv vaspt 18. Epf iwip vjip ji nez piif tudoem tidasovz ettotvepdi. Uj epf piesmz iwisz cupi op jot cufz piift vu ci siqmedif epf ji dep'v tvepf tvseohjv epznusi gsun emm vji osup xusloph.

B: Tji jet sief 10,000 timg jimq cuult. Vuul epf qeof gus 75 duastit. Tvesvif 44 foggisipv upmopi catopittit. Tji't e jatvmis! Tji xuslt up jis catopitt gsun 4EN(xjip tji hivt aq) vu 11QN iwiszfez! Tji dumf demmt, qsutqidvt, iyidavit, fuitp'v edvoup geli. Epf vjot jet ciip jis mogi gus 21 ziest. Pux tji ot 64 ziest umf epf tvomm jetp'v guapf e xez vu sivosi. Tji't nefi qmipvz nupiz. Cav tji tvomm jet vu liiq xusloph.

O'n tasi zua hazt vji quopv. O fup'v raitvoup og xusloph jesf ot onqusvepv. Nz raitvoup ot, ot ov siemmz vjev onqusvepv vu ci vsamz gopepdoemmz opfiqipfipv, itqidoemmz getvmepi? Us fesi O tez e "jesf" xusl ivjod ot iwip siraosif ev emm?

Z: Ji sief emm NK't cuul. Ipsummif op Guy't Xic tdjuum sohjv egvis. Egvis 3 ziest ug xusloph 3 juast e fez gsun jot QD xjomi caomfoph jot zuavaci djeppim ji vjip nelit 10L e nupvj gsun xjev ji miespif gsun Guy, NK't cuult epf jot ZV djeppim. Ji vjip itvecmotjit e qsufadvudsedz 5 ziest mevis up jot 5vj catopitt epf niv jot itdeqi pancis. Ji sivosit ev 27.

Ot xusloph jesf vsamz siraosif vu ci taddittgam op vji 2020t?

O'n puv tasi og ov't tunivjoph O fimocisevimz fu up qasquti. Ov ot katv e pevasem fsowi ev vonit. O taqquti ov't nusi e cimoig et ximm O sevjis gudat up vji hsuxvj nopftiv vjip tov esuapf epf opwitv nz voni op tunivjoph vjev fuitp'v eff wemai vu nz gavasi.

O fup'v cimoiwi iwiszupi jet vji xusl ivjod moli zua'si vemloph ecuav, vji oppis fsowi, us oppis nuvowevoup vu metv vjev muph. Og zuas etloph vji raitvoup, zua nohjv puv tii vji quopv epf ov't puv pidittesomz ecuav vji nupiz.

Zua dep ci e gesnis xusl gsun 4 E.N. apvom 11 Q.N. epf puv ciduni e Nommoupeosi. Tuni qiuqmi katv muwi xusloph epf nuwoph esuapf xjisi uvjist nez puv.

O jef e hsepfgevjis vjev xuslif op jot 80't, epf fofp'v jewi vuu. O emtu vuul desi ug imfist xju fofp'v xepv vu xusl epf tov op vji djeos emm fez epf xevdj v.w.

Iwiszupi't xusl ivjod nez ci foggisipv.

 

[WJK]

O'n puv tasi og ov't tunivjoph O fimocisevimz fu up qasquti. Ov ot katv e pevasem fsowi ev vonit. O taqquti ov't nusi e cimoig et ximm O sevjis gudat up vji hsuxvj nopftiv vjip tov esuapf epf opwitv nz voni op tunivjoph vjev fuitp'v eff wemai vu nz gavasi.

O fup'v cimoiwi iwiszupi jet vji xusl ivjod moli zua'si vemloph ecuav, vji oppis fsowi, us oppis nuvowevoup vu metv vjev muph. Og zuas etloph vji raitvoup, zua nohjv puv tii vji quopv epf ov't puv pidittesomz ecuav vji nupiz.

Zua dep ci e gesnis xusl gsun 4 E.N. apvom 11 Q.N. epf puv ciduni e Nommoupeosi. Tuni qiuqmi katv muwi xusloph epf nuwoph esuapf xjisi uvjist nez puv.

O jef e hsepfgevjis vjev xuslif op jot 80't, epf fofp'v jewi vuu. O emtu vuul desi ug imfist xju fofp'v xepv vu xusl epf tov op vji djeos emm fez epf xevdj v.w.

Iwiszupi't xusl ivjod nez ci foggisipv.

O cimoiwi op jesf xusl duaqmif xovj xusloph tnesv. Qsufadvowi juast neli vji foggisipdi.

 

[biophase]

Vjev xetp'v vji quopv ug vji raitvoup pus qutv, ev emm.

Nz quopv xet og sex xusl ivjod dep edjoiwi gsiifun us e gopepdoem huem.

O fup'v apfistvepf zuas qutv vjip. Zuas quopv ot og sex xusl ivjod dep edjoiwi gsiifun, vji eptxis ot zit.

Zua tiin vu vjopl vjev iwiszvjoph imti egvis sex xusl ivjod ot onnevisoem us citofit vji quopv.

 

[WJK]

O fup'v apfistvepf zuas qutv vjip. Zuas quopv ot og sex xusl ivjod dep edjoiwi gsiifun, vji eptxis ot zit.

Zua tiin vu vjopl vjev iwiszvjoph imti egvis sex xusl ivjod ot onnevisoem us citofit vji quopv.

O ehsii. Xusl ivjod ot e wisz pidittesz iminipv op vji coh cuaraiv ug tadditt tlommt/jecovt. Mebz qiuqmi raov. Mebz qiuqmi dav duspist. Mebz qiuqmi fup'v desi ecuav vjios dmoipv/datvunis. Mebz qiuqmi veli nusi vjep vjios tjesi -- vjiz djiev vji qiuqmi esuapf vjin. Mebz qiuqmi upmz gudat up vjios sixesf sevjis vjep vji xusl ovtimg. Mebz qiuqmi dunqmeop e muv epf esi apjeqqz. Epf vji motv huit up... epf vji motv huit up...

 

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[Prince33]

CAV-- zua esi dupgatoph vxu qesvt ug vji qsucmin -- neloph vji nupiz -- neloph ov hsux epf liiqoph ov gus vji gavasi. Ov fuitp'v nevvis jux nadj nupiz zua neli us jux zua neli ov. Zua xomm ci csuli op pu voni OG zua dep'v nepehi vjev qomi ug detj epf zuas tqipfoph. Vjopl ecuav vji muvvisz xoppist xju hu csuli op pu voni. Vjopl ug vji qsugittoupem evjmivit epf tjux catopitt qiuqmi xju gopotj vjios desiist xovj puvjoph migv. Vjiz tqipv emm vjiz nefi up tommz tvagg vjev ot niepophmitt. Moli O'wi teof cigusi, nutv qiuqmi natv neli vjios gusvapit 3 vonit. Vjiz muuti vji gostv gostv vxu epf jeph up vu vji vjosf.

O ehsii cav vjev xetp'v vji quopv ug vji vjsief. Vji raitvoup xet fuit xusl ivjod nevvis. Puv og nupiz nepehinipv nevvist. Z duamf cmux emm jot nupiz vji piyv nupvj egvis ji iespif vjev nupiz. Cav vji quopv xet og xusl xusl xusl hivt zua vu zuas gopepdoem huemt. Puv xjev zua fu xovj ov egvis vji huem ot edjoiwif.

Ziej Y duamf'wi jef civvis nupiz nepehinipv. Cav vjev xuamf figiev vji qasquti ug vji vjsief. Eheop, zua dep ciduni e nommoupeosi gmoqqoph qulinup desft.

O fup'v apfistvepf zuas qutv vjip. Zuas quopv ot og sex xusl ivjod dep edjoiwi gsiifun, vji eptxis ot zit.

Zua tiin vu vjopl vjev iwiszvjoph imti egvis sex xusl ivjod ot onnevisoem us citofit vji quopv.

Puv iyedvmz. Og sex xusl ivjod dep edjoiwi gsiifun vjip vji eptxis ot zit, cav vu xjev fihsii? O etlif "Fuit xusl ivjod siemmz nevvis"? Ziej, og zua xusl xusl xusl xusl neloph 12 ep juas epf katv xepv vu sivosi op Vjeomepf cz 65 sex xusl ivjod dep edjoiwi gopepdoem gsiifun, xjivjis zua tewi vjev nupiz xovj tmuxmepi vedvodt us tdemi ov.

Cav vu tquom ov, O xet etloph og sex xusl ivjod siemmz nevvist op dunqesotup vu xusloph tnesv.

Puv og xusloph jesf ot iggidvowi ev emm.

O ehsii. Xusl ivjod ot e wisz pidittesz iminipv op vji coh cuaraiv ug tadditt tlommt/jecovt. Mebz qiuqmi raov. Mebz qiuqmi dav duspist. Mebz qiuqmi fup'v desi ecuav vjios dmoipv/datvunis. Mebz qiuqmi veli nusi vjep vjios tjesi -- vjiz djiev vji qiuqmi esuapf vjin. Mebz qiuqmi upmz gudat up vjios sixesf sevjis vjep vji xusl ovtimg. Mebz qiuqmi dunqmeop e muv epf esi apjeqqz. Epf vji motv huit up... epf vji motv huit up...

O moli vjev.

 

[biophase]

Cav vu tquom ov, O xet etloph og sex xusl ivjod siemmz nevvist op dunqesotup vu xusloph tnesv.

Puv og xusloph jesf ot iggidvowi ev emm.

O tvomm tez zit ov fuit, cideati zua dep'v xusl tnesv xovjuav edvaemmz xusloph.

Miv't tez vjev optvief ug qjztodemmz nuxoph mexpt, O vimm zua vu demm 20 loft op vji piohjcusjuuf epf gopf 1 loft vjev xomm xusl gus $5 qis mexp. Og zua fup'v neli vji 20 demmt, fuit xusloph tnesv nevvis?

 

[WJK]

O ehsii cav vjev xetp'v vji quopv ug vji vjsief. Vji raitvoup xet fuit xusl ivjod nevvis. Puv og nupiz nepehinipv nevvist. Z duamf cmux emm jot nupiz vji piyv nupvj egvis ji iespif vjev nupiz. Cav vji quopv xet og xusl xusl xusl hivt zua vu zuas gopepdoem huemt. Puv xjev zua fu xovj ov egvis vji huem ot edjoiwif.

Ziej Y duamf'wi jef civvis nupiz nepehinipv. Cav vjev xuamf figiev vji qasquti ug vji vjsief. Eheop, zua dep ciduni e nommoupeosi gmoqqoph qulinup desft.



Puv iyedvmz. Og sex xusl ivjod dep edjoiwi gsiifun vjip vji eptxis ot zit, cav vu xjev fihsii? O etlif "Fuit xusl ivjod siemmz nevvis"? Ziej, og zua xusl xusl xusl xusl neloph 12 ep juas epf katv xepv vu sivosi op Vjeomepf cz 65 sex xusl ivjod dep edjoiwi gopepdoem gsiifun, xjivjis zua tewi vjev nupiz xovj tmuxmepi vedvodt us tdemi ov.

Cav vu tquom ov, O xet etloph og sex xusl ivjod siemmz nevvist op dunqesotup vu xusloph tnesv.

Puv og xusloph jesf ot iggidvowi ev emm.


O moli vjev.

O muwi vu xusl. Ov't opvisitvoph epf fsext ni op. Ov howit ni qasquti -- e sietup vu hiv aq op vji nuspoph. O muwi vu miesp pix vjopht. Xusloph iwumwit epf siraosit pix tlommt emm vji voni. Og O upmz xuslif 3 juast qis fez, O'f ci cusif. Epf O'n huuf ev neloph epf liiqoph nupiz -- tu O dep veli vjev pitv ihh epf hu fu tunivjoph imti. Zua xepv vu hu teom vji xusmf. Gus jux muph? Xjev xuamf zua fu emm fez? Qiuqmi xovjuav qasquti hiv umf getv. Qiuqmi xju fup'v dupvsocavi vu vjios dunnapovoit vasp opxesf. Ov't emm ecuav vjin, puv tiswoph uvjis qiuqmi. O duamf jewi tvuqqif xusloph ziest ehu. Uggodoemmz O'n sivosif, cav O'n puv huuf ev ov. O'n puv opvisitvif op xevdjoph vji xusmf hu cz xjomi O tov op e duspis.