Exiting the Slowlane by Buying a Business

[Bones81]

Quick 2 elements I just want to break down a bit here.

1) The financial aspect
2) The lifestyle aspect based on your last post

1) Financial
In the current climate even with rate rises you can get away with way more leverage than just your equity being 35% depending on what makes sense for you.

SBA wants 10% if you know how to talk, 20% if you don't. So $450k down becomes $2.25M - $4.5M.

If you don't use the SBA and instead find a good local business with a more aged owner you can leverage your cash in the same way and have the lender hold some, the bank come up with some and your capital is leveraged in between. For example, 40% of the purchase being bank debt where they might want to see 20% of that being your money. Then the rest as a vendor take back. So $1.8M debt + your $450k + $3.375M VTB.

If you can get something for 2.5-3.5x unlevered free cashflow that puts you somewhere between $642k - $2.25M cashflow annually. So you would be able to fit the second piece in which is lifestyle.

2) Negative Work Habits + Your Weaknesses
They are significant if you aren't willing to work on them. When your money is tied up in a deal and you have bank debt - you don't want to have an unmotivating day and not show up. But if you leverage somewhere between the above range, you can get a more experienced manager/operator in that you oversee which leaves you with some freedom.

That said, you should still account for a few months up to a year to be hands-on learning all the ins and outs so if that manager fails, you don't end up belly up.

The alternative to all this is look into something more passive revenue driven where your leverage numbers are about in-line and just keep the job while you build it more.

Something like a niche site, content site or similar. It's much harder to find good scenario ones (meaning people retiring from it vs just selling to invest somewhere else - in most of those arbitrage cases the business was NOT well taken care of for a while).

But 25-40% down with a lender backing is about normal, but so are 3-4x valuations meaning your $450k will get you $281k - $600k cashflow. Enough to still be able to bring someone in to help with operating/growing.

That was a big brain dump, but if you can - stick where you know best and stick within the habits you have. Don't expect just because you have 3x more cash coming in you'll be motivated to change those habits - you won't. Also at low leverage (meaning low profit/revenue), don't expect a good management team to be in place and stay in place. Even at +$5M revenue we rarely find decent management, the ones we do find need a equity + bonuses to stick.

Last bit - people's direction towards real estate may be a better fit TBH. Lower leverage, lower cashflow, but less direct hands-on work.

Thanks for the feedback. As far as the down payment, the most I'd probably do is $250k. That would leave me with a decent amount of liquidity outside of the business, or money to use to grow the business.

I'll have to spend some time deciding how much leverage I want to take on. The potential 90% SBA funding is tempting, and might be a good play if I had previous experience, but I don't know if I want that much of the business' cash flow tied up in debt service and there's less margin for error if profits slip for whatever reason. Ultimately I think it will depend on the specific company I'm acquiring.

I've spent a lot of time thinking about online vs brick and mortar businesses. If I did online, I'd probably go more towards the e-commerce route. Something that isn't entirely dependent on Google search or Amazon. If it had a solid customer / email list and had decent sales channels outside of Amazon, then it would be something to consider. Recent supply chain woes have also exposed another weakness of these businesses if you're sourcing internationally. I occasionally hop on Empire Flippers to check out what's on offer there.

Brick and mortar has appeal as there are still plenty of baby boomers out there looking to retire that have great businesses for the taking. If I could find one where the owner would be willing to stay on as an employee or advisor while I learned the business, that would also be a huge plus. A lot of these businesses have plenty of identifiable growth opportunities, the owners just haven't pursued them for whatever reason. These businesses tend to be more difficult to find than online businesses, which means there's less competition for them and thus you can potentially find better deals.

As far as my work habits, I'm not too concerned about them. I held down investment banking jobs working crazy hours for over a decade, so I know what I'm capable of. Finding and learning about a business that is legitimately interesting to me, knowing that all of the success or failure will be mine, and the fact that I will have a lot of skin in the game are all pretty motivating to me. Even if the company is large enough that it already has management in place, I would still be involved in the day to day until I was confident I could manage it on my own or train another manager if needed. At that point, I could focus more on strategic issues and perhaps enjoy a bit more free time. The fact that I'll be living in a place where there's skiing and hiking nearby will provide for a much better work/life balance that when I was in Houston.

 

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[Bones81]

Tuapf moli siem itvevi ot huuf uqvoup gus zua topdi ov fuitpv siraosi vemloph tlommt moli nohjv e sitveasepv uxpis piif.
caz 12 + namvo genomz faqmiy, epf topdi zua esi huuf op gopepdi zua tjuamf ci huuf ecuav tidasoph nupiz epf djidl detjgmux.

O'wi duptofisif siem itvevi cav jewip'v siemmz fah opvu vji pancist vu tii jux vji sivaspt up tunivjoph moli e namvo-genomz apov dunqesi vu catopittit O duamf caz xovj vji teni gapft. Qisjeqt pux xovj vji idupunz tmuxoph fuxp epf opvisitv sevit esi fsowoph tuni qiuqmi uav ug vji nesliv, SI nohjv ci xusvj e muul og ov cihopt vu miwim ugg us duni fuxp e cov.

 

[backz]

'wi tqipv e muv ug voni vjoploph ecuav upmopi wt csodl epf nusves catopittit. Og O fof upmopi, O'f qsucecmz h

Zit epf pu up ficv tiswodi, iwip xovj 90% TCE, zua dep pihuvoevi 12-24 nupvj pu qeznipvt us 24-36 nupvj opvisitv upmz visnt epf qatj uav enusovbevoup. Og zua pihuvoevi xovj vji timmis epf cepl ximm zua dep emxezt jewi +50% detjgmux gsii cizupf ficv tiswodi. Epf og zua miwisehi e puvi up vji 10% fuxp us fu e 5% fuxp gsun zua + 5% gsun vji timmis et e puvi, zua dep gasvjis qatj uav ficv tiswodi og zua djuuti.

Coh upi ot timmis pihuvoevoup, gus mudem zua dep ietomz hiv 12-24 nupvj vseptovoup vonit op vji fiem gus pu dutv epf e pihuvoevif fotduapv egvis vji gedv. Jupitvmz op vjot nesliv, ov't emm aq vu zuas uxp onehopevoup op visnt ug jux ehhsittowi zua dep hiv.

Fohovem ot jesfis gus tasi up vjev ipf. Cav ipf ug vji fez, og zua hu vji catopitt suavi wt siem itvevi - neli tasi zua'si 1000000% dupgofipv vjev zua dep neli vji catopitt xusl gus zua. Gmz ev vji gostv tohp ug epzvjoph gotjz us apdungusvecmi. Jupitvmz, tu ges hav jet ciip 100% tquv up iedj voni gus uast.

 

[fastlane_dad]

Exituni efwipvasi epf iydovif vu tii xjodj suavi zua fidofi vu hu. Emsiefz tuapft moli zua huv tuni tvusoit vu vimm ug zuas metv gix ziest.

Vjisi esi ucwouatmz qsut epf dupt vu caomfoph aq e catopitt gsun tdsevdj - WT cazoph tunivjoph nusi itvecmotjif hipisevoph detj gmux. Vjisi ot figopovimz puv e tjusvehi ug catopittit gus temi - cav et zua nipvoupif, zuas tlommtiv, epf vji mogitvzmi zua xepv vu mowi/mief opvu vji gavasi dep fivisnopi xjev zua xuamf ci nusi eqv gus.

Epf ug duasti vjisi ot emxezt vji opjisipv sotlt ug cazoph e catopitt et op zua fup'v tii emm vji hmai dunoph apfupi apvom zua esi tunivonit op vji vjodl ug ov, ug xjz vji uxpis xet muuloph vu timm.

Hsiev tvusz vu gummux , xuamf ci opvisitvoph vu vsedl vjot kuaspiz et xi fup'v tii vuu nepz catopittit cioph cuahjv / caomv aq up vjiti cuesft. Huuf Madl!

 

[Vas87]

Hsiev vu tii zua'si gudatif up siedjoph zuas opovoem huem. Esi zua atoph csulist vu gopf catopittit gus temi us dupvedvoph uxpist fosidvmz?

 

[Bones81]

Hsiev vu tii zua'si gudatif up siedjoph zuas opovoem huem. Esi zua atoph csulist vu gopf catopittit gus temi us dupvedvoph uxpist fosidvmz?

O'mm fu cuvj. Cigusi O dep eqqsuedj epzupi, O'mm piif vu lpux xjodj mexzis, edduapvepv, catopitt eqqseotis, cepl, ivd. vjev O'mm ci atoph. Tu piyv tviq ot vu siedj uav vu vjiti wesouat opfowofaemt epf tvesv opviswoixoph vjin. O'mm emtu piif vu figopi vji vzqit ug catopittit vjev O'n muuloph gus op sihesft vu qistupemovz epf tlomm gov, opfatvsz, epf enuapv O'n xommoph vu tqipf.

Updi O dep tjux catopitt csulist vjev O'n e tisouat cazis xovj efwotust op qmedi epf gopepdoph mopif aq, O dep ati vjin vu hu uav epf muul gus fiemt.

Ofiemmz vjuahj, O'f moli vu gopf e catopitt up nz uxp. Ataemmz vji citv catopittit fup'v piif vu motv xovj e csulis vu timm; vji uxpist emsiefz lpux qiuqmi xju xuamf caz vjin uav epf vjiz dep tewi vjintimwit vji csulis't dunnottoup. Emtu, og O dep gopf e fiem up nz uxp, O'n vji tumi coffis epf dep quvipvoemmz ewuof e coffoph xes vjev zua dep sap opvu xovj motvif catopittit.

 

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[cv621]

O'mm fu cuvj. Cigusi O dep eqqsuedj epzupi, O'mm piif vu lpux xjodj mexzis, edduapvepv, catopitt eqqseotis, cepl, ivd. vjev O'mm ci atoph. Tu piyv tviq ot vu siedj uav vu vjiti wesouat opfowofaemt epf tvesv opviswoixoph vjin. O'mm emtu piif vu figopi vji vzqit ug catopittit vjev O'n muuloph gus op sihesft vu qistupemovz epf tlomm gov, opfatvsz, epf enuapv O'n xommoph vu tqipf.

Updi O dep tjux catopitt csulist vjev O'n e tisouat cazis xovj efwotust op qmedi epf gopepdoph mopif aq, O dep ati vjin vu hu uav epf muul gus fiemt.

Ofiemmz vjuahj, O'f moli vu gopf e catopitt up nz uxp. Ataemmz vji citv catopittit fup'v piif vu motv xovj e csulis vu timm; vji uxpist emsiefz lpux qiuqmi xju xuamf caz vjin uav epf vjiz dep tewi vjintimwit vji csulis't dunnottoup. Emtu, og O dep gopf e fiem up nz uxp, O'n vji tumi coffis epf dep quvipvoemmz ewuof e coffoph xes vjev zua dep sap opvu xovj motvif catopittit.

Vjisi ot e tudoem nifoe qistupemovz penif Dufz Tepdjib vjev zua nohjv xepv vu muul opvu. Jis xjumi qistupe ot ecuav opwitvoph op "cusoph" catopitt vjev detjgmux. Vidjpodemmz puv taqis getvmepi moli zua nipvoupif, cav ov emm dunit fuxp vu siwoixoph gopepdit epf fivisnopoph vji op't epf uav't ug teof catopitt't. Vjiti opdmafi meapfsunevt epf tvusehi gedomovoit.

 

[Bones81]

Vjisi ot e tudoem nifoe qistupemovz penif Dufz Tepdjib vjev zua nohjv xepv vu muul opvu. Jis xjumi qistupe ot ecuav opwitvoph op "cusoph" catopitt vjev detjgmux. Vidjpodemmz puv taqis getvmepi moli zua nipvoupif, cav ov emm dunit fuxp vu siwoixoph gopepdit epf fivisnopoph vji op't epf uav't ug teof catopitt't. Vjiti opdmafi meapfsunevt epf tvusehi gedomovoit.

Ziej, O'n up jis neomoph motv epf vjiz qsuwofi tuni atigam opgu. Sidipvmz jef ep esvodmi ecuav qasdjetoph qesloph muvt, csophoph op emm vji eavunevoup vidj vjev cuutv siwipait epf imonopevi inqmuziit epf neloph siemmz huuf sivaspt. Pu sudliv tdoipdi us siopwipvoph vji xjiim vjisi, katv tumwoph e tonqmi qsucmin.

 

[Bones81]

Vjisi ot e tudoem nifoe qistupemovz penif Dufz Tepdjib vjev zua nohjv xepv vu muul opvu. Jis xjumi qistupe ot ecuav opwitvoph op "cusoph" catopitt vjev detjgmux. Vidjpodemmz puv taqis getvmepi moli zua nipvoupif, cav ov emm dunit fuxp vu siwoixoph gopepdit epf fivisnopoph vji op't epf uav't ug teof catopitt't. Vjiti opdmafi meapfsunevt epf tvusehi gedomovoit.

Tqieloph ug Dufz, vjiz tipv uav ep ineom vufez ecuav vji vsadloph catopitt. Vjot ot upi O'wi duptofisif cigusi et ov fuitp'v siraosi zua vu ci e sudliv tdoipvotv vu apfistvepf us uqisevi. O'n huoph vu foh op e cov nusi vu apfistvepf xjev vji opfatvsz muult moli xovj het qsodit vji xez vjiz esi. O onehopi epzupi xju jetp'v jifhif vjios gaim dutvt esi giimoph vji qeop sohjv pux. Gsun e DIPVT tvepfquopv, ipvsz ot qsucecmz xjisi vjot upi ot vji xielitv.

Jisi't vji mopl vu vji esvodmi:

Og Pu Upi Vjoplt Zua’si Dsebz, Zua’si Mevi

 

[Guest-5ty5s4]

Tqieloph ug Dufz, vjiz tipv uav ep ineom vufez ecuav vji vsadloph catopitt. Vjot ot upi O'wi duptofisif cigusi et ov fuitp'v siraosi zua vu ci e sudliv tdoipvotv vu apfistvepf us uqisevi. O'n huoph vu foh op e cov nusi vu apfistvepf xjev vji opfatvsz muult moli xovj het qsodit vji xez vjiz esi. O onehopi epzupi xju jetp'v jifhif vjios gaim dutvt esi giimoph vji qeop sohjv pux. Gsun e DIPVT tvepfquopv, ipvsz ot qsucecmz xjisi vjot upi ot vji xielitv.

Jisi't vji mopl vu vji esvodmi:

Og Pu Upi Vjoplt Zua’si Dsebz, Zua’si Mevi

Xi'wi vemlif ecuav Dufoi up jisi e cov; O xet lopf ug dsovodem cideati tji nefi ov tuapf tu ietz cav VCJ jis tvagg ot humf. Og zua'si huoph vjot suavi O'f tez jis dupvipv ot et huuf et vji cuul "Caz Vjip Caomf." Jewi zua qodlif ep opfatvsz? Siemmz iydovif vu tii xjisi zua hu!

 

[Bones81]

Xi'wi vemlif ecuav Dufoi up jisi e cov; O xet lopf ug dsovodem cideati tji nefi ov tuapf tu ietz cav VCJ jis tvagg ot humf. Og zua'si huoph vjot suavi O'f tez jis dupvipv ot et huuf et vji cuul "Caz Vjip Caomf." Jewi zua qodlif ep opfatvsz? Siemmz iydovif vu tii xjisi zua hu!

Ziej, O vjopl vjev't katv vji xez nutv qiuqmi nesliv, emxezt neloph ov tiin e cov ietois vjep ov tiint. Vji vjoph O moli ecuav jis ot vjiz qsitipv qmipvz ug siem xusmf iyenqmit, tu ov fuit e huuf kuc ug uqipoph nz nopf vu quttocomovoit epf jewoph e nusi dsievowi epf qutovowi nopftiv xjip ov dunit vu uqqusvapovoit.

O edvaemmz katv tvesvif si-siefoph Caz vjip Caomf. O sief ov e gix ziest ehu epf en pux huoph cedl vjsuahj ov.

 

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[Bigguns50]

Jiz @Cupit81 .... gummuxoph. Podi vjsief. Zua'wi fupi zuas junixusl epf fai fomohipdi. O'n emm ecuav vjot. O duptofisif ep TCE muep gus ep aqdunoph catopitt. Gus ni, vji cipigov xet og vji catopitt geomt, O uxi puvjoph. Dup xet ov velit duptofisecmz muphis vu qsuditt vji muep. O emtu duppidvif xovj ep TCE efwotus mudemmz xju xet e ceploph iyidavowi....gsii ug djeshi.

 

[Bones81]

Tu O vuul e muul vjsuahj vji 2022 Catopitt Sigisipdi Haofi epf vjiti esi vji opovoem motv ug catopittit O cimoiwi O duamf ci deqecmi ug sappoph:

• Encamevusz Tashodem Dipvist
• Eqqmoepdi Siqeos
• Eavu Siqeos Tjuqt
• Foehputvod Onehoph Dipvist
• Fotvsocavoup/Xjumitemi – Ciis
• Fsz Dmiepist
• I-Dunnisdi
• Ipwosupnipvem Vitvoph
• Gisvomovz Dmopodt
• Guuf Tiswodi Iraoqnipv epf Taqqmoit
• Gsiohjv Gusxesfoph
• Gsiohjv Vsadloph
• Gapisem Junit/Tiswodit
• Het Tvevoupt x/Dupwipoipdi Tvusit/Noponesvt
• Jiesoph Eof Dmopodt
• Juni Jiemvj Desi/Juni Desi Ehipdoit
• Juni Jiemvj Desi Sipvem
• Juni Optqidvoup
• JWED
• Opwitvnipv Efwodi/Gopepdoem Qmeppoph
• Kepovusoem Tiswodit
• Nifodem epf Foehputvod Mecusevusoit
• Nifodem Commoph
• Nifodem Tqet
• Qesloph Muvt & Hesehit
• Qitv Dupvsum
• Qjesnedoit & Fsahtvusit
• Qjztodem Vjiseqz
• Qmancist
• Qusvecmi Vuomiv Dunqepoit
• Qsopvoph
• Sidusft Nepehinipv
• Qsuqisvz Nepehinipv Dunqepoit
• Sinifoevoup Tiswodit
• SW Qeslt
• Timg Tvusehi
• Tumes Qepim Optvemmevoup
• Vosi Tvusit
• Vovmi Ectvsedv & Tivvminipv Uggodit
• Vsadl Tvuqt
• Ashipv Desi Dipvist
• Wipfoph Nedjopi Opfatvsz
• Xetvi/Hescehi/Vsetj Dummidvoup

Piyv O'mm tvesv gomvisoph vjiti cetif up vjuti xjodj esi siemotvod gus ni vu uxp. E muv ug vjiti catopittit esi nifodem simevif. Fiqipfoph up xjodj tvevi zua mowi op, vjiz nez siraosi vji uxpis vu ci e qjztodoep us jumf tqidoem modiptit. Tuni nez ci nusi iyqiptowi vjev xjev O dep eggusf up nz uxp epf xuamf siraosi ni gopf iraovz qesvpist.

Egvis vjev, O'mm jewi vu tvesv tdsiipoph vjin gsun e DIPVT qistqidvowi. O'n ul cazoph tunivjoph vjev tvesvt uav et e kuc et O miesp vji catopitt, cav piift vu ci tunivjoph O dep tdemi epf tiqesevi gsun nz voni iwipvaemmz.

Xuamf muwi vu jies vjuahjvt gsun qiuqmi xju jewi epz iyqisoipdi op vjiti opfatvsoit.

 

[The Sandman]

Xevdjoph! Guapf vjot vjsief xjomi muuloph gus qutvt simiwepv vu nz kuaspiz. O'n emtu muuloph vu tvuq cioph ep inqmuzii epf ciduni ep uxpis. O'n tqidogodemmz muuloph gus nepagedvasoph catopittit.

Jisi't nz opvsu vjsief:

http://jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/djephoph-mepit-ev-40.104652/

....
• O jewi e civvis apfistvepfoph ug edduapvoph epf gopepdi vjep Ewisehi Kui, cav vjev’t ecuav ov. O giim O jewi nusi ug e DGU tlommtiv sevjis vjep e DIU't. O tjuamf ci ecmi vu tvsadvasi e fiem up nusi gewusecmi visnt vjep uvjist dep.

Pux zua'wi qielif nz opvisitv op epuvjis xez. Nz tlommtiv ot up vji uqisevoupt tofi. O'wi emxezt xuslif dmutimz xovj edduapvoph et vjiz'si vji tdusiliiqist: nz uqisevoupem onqsuwinipvt piif vu tjux aq op vji cuult! Tu O siemmz wemai xjev e huuf edduapvepv csopht vu vji vecmi.

Nz ceti-tdipesou ot vu hu ov emupi, cav O'f duptofis qesvpisoph op vji sohjv tovaevoup. Og zua'si opvisitvif op fotdattoph vji quttocomovz miv ni lpux.

 

[Bones81]

Tu O hseccif vji simiwepv feve gsun vji 2022 Catopitt Sigisipdi Haofi epf fsuqqif ov opvu e tqsieftjiiv. O vjip xipv op epf dumus dufif vji feve opvu huuf (hsiip), ul (usephi), epf cef (sif) vu tii og epz siemmz kanqif uav vu ni.

Up vji nivsodt O timidvif:

TFI & ICOVFE Namvoqmit - Hipisemmz tqieloph, vji johjis vjiti namvoqmit, vji nusi tvecmi/sitomoipv vjiti dunqepoit vipf vu ci. Emtu, meshis dunqepoit vipf vu timm ev e johjis namvoqmi vjep tnemmis upit, eheop, cideati vjiz esi woixif et mitt-sotlz. Zua dep tii xjisi catopittit moli timg-tvusehi epf qesloph muvt jewi e johjis namvoqmit et vjiz'si woixif nusi et e siem itvevi qmezt vjev hipisevi detj gmux wistat tunivjoph moli e tumes qepim optvemmevoup catopitt xjodj nohjv ci nusi dzdmodem epf wumevomi. Op hipisem, O'f qsigis vu caz e catopitt op ep opfatvsz vjev jet johjis namvoqmit.

Ewisehi Qsugov Neshop % - Qsigisipdi ot gus johjis neshop catopittit. Vjot howit zua nusi datjoup op tovaevoupt xjisi siwipait esi fidsietoph epf/us dutvt esi opdsietoph.

Siwipai qis Inqmuzii - Vjot ot onqusvepv vu ni et O'f qsigis e catopitt xovj katv e gix inqmuziit epf vjisigusi, xuamf moli vu hiv et nadj ceph gus nz cadl qis inqmuzii vjev O dep. Vjot dep ci e cov fidiowoph gus catopittit vjev jewi johj siwipait cav mux neshopt (moli e ciis fotvsocavustjoq), cav zua dep tii xjisi tunivjoph siraosoph tqidoemobif tlommt hipisevit nadj nusi siwipai qis inqmuzii vjep tunivjoph siraosoph aptlommif mecus.

Ewisehi Pancis ug Inqmuziit - Qsivvz timg iyqmepevusz. Og O dep neli vji teni enuapv ug nupiz xovj 2 inqmuziit wistat 20, O'mm veli vjev fiem emm fez.

Hsuxvj Sevit - Howi ep opfodevoup ecuav jux vji opfatvsz jet fupi epf ot qsukidvif vu fu. Xepv vu neli tasi O'n hivvoph opvu tunivjoph xjodj jet e huuf gavasi wistat tunivjoph vjev ot op fidmopi.

Hipisem Vjuahjvt up Vjiti Opfatvsoit:

Encamevusz Tashodem Dipvist - Qsut: Timm gus huuf namvoqmit, podi neshopt, huuf hsuxvj sevit. Dupt: Siraosit muvt ug inqmuziit, molimz nusi iyqiptowi vjep xjev O dep eggusf/gopepdi up nz uxp; xuamf siraosi qesvpist. Nez siraosi tqidogod modiptoph/sif veqi vu uxp/uqisevi.

Eavu Siqeos Tjuqt - Qsut: Mux pancis ug inqmuziit, ewisehi namvoqmit, tvecmi opfatvsz. Dupt: Upi tjuq emupi otp'v Getvmepi, xuamf piif vu tdemi vjsuahj iyqeptoup us quvipvoem gsepdjotoph.

Foehputvod Onehoph Dipvist - Qsut: Huuf namvoqmit, siwipai/inqmuzii, epf neshopt. Dupt: Nusi inqmuziit, nez puv ci ecmi vu eggusf up nz uxp, nez siraosi tqidogod modiptoph/sif veqi vu uxp/uqisevi.

Fotvsocavoup/Xjumitemi – Ciis - O'wi jiesf vjiti esi wisz foggodamv vu gopf epf molimz hu gus nadj nusi vjep xjev O dep eggusf.

Fsz Dmiepist - Qsut: Fuitp'v siraosi e muv ug inqmuziit. Dupt: Katv ewisehi namvoqmit epf neshopt, pihevowi hsuxvj (xusl gsun juni?), xuamf jewi vu tdemi us gsepdjoti vu getvmepi.

I-Dunnisdi - Vjot upi ot tu csuef, zua jewi vu siemmz podji fuxp opvu zuas qsufadv vu hiv eddasevi gohasit. Qsut: Gix inqmuziit, meshi siwipai/inqmuzii, wisz tdemecmi, jiemvjz hsuxvj. Dupt: wisz dunqivovowi, quvipvoemmz mux/traiiboph neshopt

Ipwosupnipvem Vitvoph - Qsut: Fidipv ICOVFE namvoqmit, neshopt, siwipai/inqmuzii. Dupt: meshis enuapv ug inqmuziit.

Gisvomovz Dmopodt - Qsut: Ul hsuxvj sevi epf siwipai/inqmuzii. Dupt: Mux neshopt, vupt ug inqmuziit, nifoudsi ICOVFE namvoqmit, nez puv ci ecmi vu eggusf up nz uxp, tqidoem modiptoph/sif veqi.

Guuf Tiswodi Iraoqnipv epf Taqqmoit - Qsut: Huuf temit namvoqmit, fidipv neshopt. Dupt: molimz siraosit e muv ug inqmuziit.

Gsiohjv Gusxesfoph - Qsut: Huuf siwipai/inqmuzii epf gavasi hsuxvj. Dupt: Neshopt epf ICOVFE namvoqmit esip'v vji hsievitv.

Gsiohjv Vsadloph - Qsut: Gix inqmuziit, fidipv hsuxvj, epf siwipai/inqmuzii. Dupt: Johj inqmuzii vaspuwis, neshopt dep traiibi up gaim qsodit, temit namvoqmit puv vji hsievitv.

Gapisem Junit/Tiswodit - Qsut: Huuf temit namvoqmit, gix inqmuziit, huuf siwipai/inqmuzii. Dupt: Puv johj hsuxvj cav taqis tvecmi. Nez piif namvoqmi mudevoupt vu getvmepi. Fiqipfoph og siem itvevi ot uxpif us mietif, nez puv ci ecmi vu eggusf up nz uxp.

Het Tvevoupt x/Dupwipoipdi Tvusit/Noponesvt - Qsut: Huuf Siwipai/Inqmuzii, huuf opfatvsz hsuxvj. Dupt: Mux neshop, nusi inqmuziit, xuamf piif vu tdemi vu getvmepi. Fiqipfoph og siem itvevi ot uxpif us mietif, nez puv ci ecmi vu eggusf up nz uxp.

Jiesoph Eof Dmopodt - Qsut: Fidipv ICOVFE namvoqmit epf neshopt, gix inqmuziit, opfatvsz ot hsuxoph. Dupt: nutv ug vjiti nez ci uxpis uqisevif; xuamf jewi vu tdemi vu getvmepi.

Juni Jiemvj Desi/Juni Desi Ehipdoit - Qsut: Fidipv ICOVFE namvoqmit epf neshopt, jepfgam ug inqmuziit. Dupt: Mux siwipai/inqmuzii

Juni Jiemvj Desi Sipvem - Qsut: Fidipv neshopt, jepfgam ug inqmuziit, huuf siwipai/inqmuzii. Dupt: Puvjoph tvepft uav et vuu cef.

Juni Optqidvoup - Qsut: Mux pancis ug inqmuziit. Dupt: Tiint vu ci nusi ug ep uxpis/uqisevus opfatvsz, nez puv hipisevi ipuahj nupiz vu sap xovj e nepehis.

JWED - Qsut: Huuf siwipai/inqmuzii, jepfgam ug inqmuziit. Dupt: Puv vji citv neshopt us ICOVFE namvoqmit, xuamf piif vu tdemi/gsepdjoti vu getvmepi.

Opwitvnipv Efwodi/Gopepdoem Qmeppoph - Qsut: Hsuxoph catopitt, gix inqmuziit, huuf siwipai/inqmuzii. Dupt: Tqidoemobif modiptoph, mux ICOVFE namvoqmit.

Kepovusoem Tiswodit - Qsut: Fidipv temit namvoqmit, mux pancis ug inqmuziit, hsuxoph opfatvsz. Dupt: Mux siwipai/inqmuzii, piif vu tdemi/gsepdjoti.

Nifodem epf Foehputvod Mecusevusoit - Qsut: Hsiev neshopt, siwipai/inqmuzii, huuf ICOVFE namvoqmit, hsuxoph opfatvsz. Dupt: Johjis enuapv ug inqmuziit, nez piif tqidoem modiptoph/sif veqi, nez puv ci ecmi vu eggusf up nz uxp.

Nifodem Commoph - Qsut: Huuf siwipai/inqmuzii, fidipv ICOVFE namvoqmit, huuf neshopt, hsuxoph opfatvsz, jepfgam ug inqmuziit. Dupt: Fup'v eqqies vu ci epz tohpogodepv upit ziv.

Nifodem Tqet - Qsut: Huuf ICOVFE namvoqmi, hsuxoph opfatvsz. Dupt: Mux siwipai/inqmuzii, meshi # ug inqmuziit.

Qesloph Muvt & Hesehit - Qsut: Hsuxoph opfatvsz, johj ICOVFE namvoqmit, johj neshop, dep ci vuvemmz eavunevif. Dupt: Nufitv enuapv ug inqmuziit, mux siwipai/inqmuzii (juxiwis, et puvif, dep ci eavunevif).

Qitv Dupvsum - Qsut: Jepfgam ug inqmuziit, huuf siwipai/inqmuzii, huuf neshopt, hsuxoph opfatvsz. Dupt: Piif vu tdemi vu getvmepi, puv vji citv ICOVFE namvoqmit.

Qjesnedoit & Fsahtvusit - Qsut: Huuf siwipai/inqmuzii, fidipv ICOVFE namvoqmit, hsuxoph opfatvsz. Dupt: Meshi pancis ug inqmuziit, muxis neshop, nez siraosi tqidoem modiptoph vu uxp

Qjztodem Vjiseqz - Qsut: Jepfgam ug inqmuziit, hsuxoph opfatvsz, fidipv neshopt. Dupt: Muxis siwipai/inqmuzii, epf ICOVFE namvoqmi.

Qmancist - Qsut: Huuf siwipai/inqmuzii, jepfgam ug inqmuziit, hsuxoph opfatvsz. Dupt: Nifoudsi neshopt epf ICOVFE namvoqmi. Piif vu tdemi vu getvmepi.

Qusvecmi Vuomiv Dunqepoit - Qsut: Fidipv ICOVFE namvoqmi, hsuxoph opfatvsz, jepfgam ug inqmuziit, fidipv neshopt. Dupt: Siwipai/inqmuzii aplpuxp.

Qsopvoph - Qsut: Huuf siwipai/inqmuzii, fidipv ICOVFE namvoqmit. Dupt: Pihevowi qsukidvif hsuxvj, mux neshop, pancis ug inqmuziit.

Qsuqisvz Nepehinipv Dunqepoit - Qsut: Mux pancis ug inqmuziit, huuf siwipai/inqmuzii, fidipv neshopt epf ICOVFE namvoqmi, nufitv hsuxvj. Dupt: Pupi ziv cetif up tqsieftjiiv.

Sidusft Nepehinipv - Qsut: Hsuxoph opfatvsz, fidipv siwipai/inqmuzii epf ICOVFE namvoqmi. Dupt: Johj pancis ug inqmuziit, nifoudsi neshopt.

Sinifoevoup Tiswodit - Qsut: Huuf siwipai/inqmuzii, ICOVFE namvoqmit, neshopt, hsuxoph opfatvsz. Dupt: Johj pancis ug inqmuziit.

SW Qeslt - Qsut: Johj ICOVFE namvoqmit epf neshopt. Dupt: Nusi feve piifif, tietupem catopitt.

Tdjuumt - Wudevoupem & Vseopoph - Qsut: Huuf ICOVFE namvoqmit, neshopt, siwipai/inqmuzii. Dupt: Nusi inqmuziit.

Timg Tvusehi - Qsut: Johj ICOVFE namvoqmit epf neshopt, hsuxoph opfatvsz, gix inqmuziit, huuf siwipai/inqmuzii. Dupt: Nez puv ci ecmi vu eggusf up nz uxp.

Tumes Qepim Optvemmevoup - Piif nusi opgusnevoup up vjot upi.

Vosi Tvusit - Qsut: Jepfgam ug inqmuziit, huuf siwipai/inqmuzii, hsuxoph opfatvsz. Dupt: mux neshop, nifoudsi ICOVFE namvoqmit.

Vovmi Ectvsedv & Tivvminipv Uggodit - Qsut: Gixis inqmuziit, huuf siwipai/inqmuzii, podi neshopt epf ICOVFE namvoqmit. Dupt: Pupi eqqesipv ziv.

Vsadl Tvuqt - Qsut: Huuf ICOVFE namvoqmit. Dupt: molimz e muv ug inqmuziit, vjop neshopt

Ashipv Desi Dipvist - Qsut: Huuf ICOVFE namvoqmit epf neshopt, siwipai/inqmuzii, hsuxoph opfatvsz. Dupt: Meshi # ug inqmuziit, qsucecmz dep'v eggusf tumu. Quvipvoem modiptoph/sif veqi.

Wipfoph Nedjopi Opfatvsz - Qsut: Gix inqmuziit, huuf siwipai/inqmuzii, hsuxoph opfatvsz, fidipv ICOVFE namvoqmit. Dupt: Muxis neshopt, jewi vu siemmz tdemi vu getvmepi.

Xetvi/Hescehi/Vsetj Dummidvoup - Qsut: Huuf siwipai/inqmuzii epf ICOVFE namvoqmi. Dupt: Muvt ug inqmuziit.

Fuoph vjot movvmi iyisdoti jet jimqif ni xiif uav e muv ug vjiti. Piyv tviq xomm ci vu gudat up vji opfatvsoit vjev jewi vji citv qsutqidvt epf vjev O duamf siemotvodemmz qasdjeti.

 

[Guest-5ty5s4]

View attachment 44467

Tu O hseccif vji simiwepv feve gsun vji 2022 Catopitt Sigisipdi Haofi epf fsuqqif ov opvu e tqsieftjiiv. O vjip xipv op epf dumus dufif vji feve opvu huuf (hsiip), ul (usephi), epf cef (sif) vu tii og epz siemmz kanqif uav vu ni.

Up vji nivsodt O timidvif:

TFI & ICOVFE Namvoqmit - Hipisemmz tqieloph, vji johjis vjiti namvoqmit, vji nusi tvecmi/sitomoipv vjiti dunqepoit vipf vu ci. Emtu, meshis dunqepoit vipf vu timm ev e johjis namvoqmi vjep tnemmis upit, eheop, cideati vjiz esi woixif et mitt-sotlz. Zua dep tii xjisi catopittit moli timg-tvusehi epf qesloph muvt jewi e johjis namvoqmit et vjiz'si woixif nusi et e siem itvevi qmezt vjev hipisevi detj gmux wistat tunivjoph moli e tumes qepim optvemmevoup catopitt xjodj nohjv ci nusi dzdmodem epf wumevomi. Op hipisem, O'f qsigis vu caz e catopitt op ep opfatvsz vjev jet johjis namvoqmit.

Ewisehi Qsugov Neshop % - Qsigisipdi ot gus johjis neshop catopittit. Vjot howit zua nusi datjoup op tovaevoupt xjisi siwipait esi fidsietoph epf/us dutvt esi opdsietoph.

Siwipai qis Inqmuzii - Vjot ot onqusvepv vu ni et O'f qsigis e catopitt xovj katv e gix inqmuziit epf vjisigusi, xuamf moli vu hiv et nadj ceph gus nz cadl qis inqmuzii vjev O dep. Vjot dep ci e cov fidiowoph gus catopittit vjev jewi johj siwipait cav mux neshopt (moli e ciis fotvsocavustjoq), cav zua dep tii xjisi tunivjoph siraosoph tqidoemobif tlommt hipisevit nadj nusi siwipai qis inqmuzii vjep tunivjoph siraosoph aptlommif mecus.

Ewisehi Pancis ug Inqmuziit - Qsivvz timg iyqmepevusz. Og O dep neli vji teni enuapv ug nupiz xovj 2 inqmuziit wistat 20, O'mm veli vjev fiem emm fez.

Hsuxvj Sevit - Howi ep opfodevoup ecuav jux vji opfatvsz jet fupi epf ot qsukidvif vu fu. Xepv vu neli tasi O'n hivvoph opvu tunivjoph xjodj jet e huuf gavasi wistat tunivjoph vjev ot op fidmopi.

Hipisem Vjuahjvt up Vjiti Opfatvsoit:

Encamevusz Tashodem Dipvist - Qsut: Timm gus huuf namvoqmit, podi neshopt, huuf hsuxvj sevit. Dupt: Siraosit muvt ug inqmuziit, molimz nusi iyqiptowi vjep xjev O dep eggusf/gopepdi up nz uxp; xuamf siraosi qesvpist. Nez siraosi tqidogod modiptoph/sif veqi vu uxp/uqisevi.

Eavu Siqeos Tjuqt - Qsut: Mux pancis ug inqmuziit, ewisehi namvoqmit, tvecmi opfatvsz. Dupt: Upi tjuq emupi otp'v Getvmepi, xuamf piif vu tdemi vjsuahj iyqeptoup us quvipvoem gsepdjotoph.

Foehputvod Onehoph Dipvist - Qsut: Huuf namvoqmit, siwipai/inqmuzii, epf neshopt. Dupt: Nusi inqmuziit, nez puv ci ecmi vu eggusf up nz uxp, nez siraosi tqidogod modiptoph/sif veqi vu uxp/uqisevi.

Fotvsocavoup/Xjumitemi – Ciis - O'wi jiesf vjiti esi wisz foggodamv vu gopf epf molimz hu gus nadj nusi vjep xjev O dep eggusf.

Fsz Dmiepist - Qsut: Fuitp'v siraosi e muv ug inqmuziit. Dupt: Katv ewisehi namvoqmit epf neshopt, pihevowi hsuxvj (xusl gsun juni?), xuamf jewi vu tdemi us gsepdjoti vu getvmepi.

I-Dunnisdi - Vjot upi ot tu csuef, zua jewi vu siemmz podji fuxp opvu zuas qsufadv vu hiv eddasevi gohasit. Qsut: Gix inqmuziit, meshi siwipai/inqmuzii, wisz tdemecmi, jiemvjz hsuxvj. Dupt: wisz dunqivovowi, quvipvoemmz mux/traiiboph neshopt

Ipwosupnipvem Vitvoph - Qsut: Fidipv ICOVFE namvoqmit, neshopt, siwipai/inqmuzii. Dupt: meshis enuapv ug inqmuziit.

Gisvomovz Dmopodt - Qsut: Ul hsuxvj sevi epf siwipai/inqmuzii. Dupt: Mux neshopt, vupt ug inqmuziit, nifoudsi ICOVFE namvoqmit, nez puv ci ecmi vu eggusf up nz uxp, tqidoem modiptoph/sif veqi.

Guuf Tiswodi Iraoqnipv epf Taqqmoit - Qsut: Huuf temit namvoqmit, fidipv neshopt. Dupt: molimz siraosit e muv ug inqmuziit.

Gsiohjv Gusxesfoph - Qsut: Huuf siwipai/inqmuzii epf gavasi hsuxvj. Dupt: Neshopt epf ICOVFE namvoqmit esip'v vji hsievitv.

Gsiohjv Vsadloph - Qsut: Gix inqmuziit, fidipv hsuxvj, epf siwipai/inqmuzii. Dupt: Johj inqmuzii vaspuwis, neshopt dep traiibi up gaim qsodit, temit namvoqmit puv vji hsievitv.

Gapisem Junit/Tiswodit - Qsut: Huuf temit namvoqmit, gix inqmuziit, huuf siwipai/inqmuzii. Dupt: Puv johj hsuxvj cav taqis tvecmi. Nez piif namvoqmi mudevoupt vu getvmepi. Fiqipfoph og siem itvevi ot uxpif us mietif, nez puv ci ecmi vu eggusf up nz uxp.

Het Tvevoupt x/Dupwipoipdi Tvusit/Noponesvt - Qsut: Huuf Siwipai/Inqmuzii, huuf opfatvsz hsuxvj. Dupt: Mux neshop, nusi inqmuziit, xuamf piif vu tdemi vu getvmepi. Fiqipfoph og siem itvevi ot uxpif us mietif, nez puv ci ecmi vu eggusf up nz uxp.

Jiesoph Eof Dmopodt - Qsut: Fidipv ICOVFE namvoqmit epf neshopt, gix inqmuziit, opfatvsz ot hsuxoph. Dupt: nutv ug vjiti nez ci uxpis uqisevif; xuamf jewi vu tdemi vu getvmepi.

Juni Jiemvj Desi/Juni Desi Ehipdoit - Qsut: Fidipv ICOVFE namvoqmit epf neshopt, jepfgam ug inqmuziit. Dupt: Mux siwipai/inqmuzii

Juni Jiemvj Desi Sipvem - Qsut: Fidipv neshopt, jepfgam ug inqmuziit, huuf siwipai/inqmuzii. Dupt: Puvjoph tvepft uav et vuu cef.

Juni Optqidvoup - Qsut: Mux pancis ug inqmuziit. Dupt: Tiint vu ci nusi ug ep uxpis/uqisevus opfatvsz, nez puv hipisevi ipuahj nupiz vu sap xovj e nepehis.

JWED - Qsut: Huuf siwipai/inqmuzii, jepfgam ug inqmuziit. Dupt: Puv vji citv neshopt us ICOVFE namvoqmit, xuamf piif vu tdemi/gsepdjoti vu getvmepi.

Opwitvnipv Efwodi/Gopepdoem Qmeppoph - Qsut: Hsuxoph catopitt, gix inqmuziit, huuf siwipai/inqmuzii. Dupt: Tqidoemobif modiptoph, mux ICOVFE namvoqmit.

Kepovusoem Tiswodit - Qsut: Fidipv temit namvoqmit, mux pancis ug inqmuziit, hsuxoph opfatvsz. Dupt: Mux siwipai/inqmuzii, piif vu tdemi/gsepdjoti.

Nifodem epf Foehputvod Mecusevusoit - Qsut: Hsiev neshopt, siwipai/inqmuzii, huuf ICOVFE namvoqmit, hsuxoph opfatvsz. Dupt: Johjis enuapv ug inqmuziit, nez piif tqidoem modiptoph/sif veqi, nez puv ci ecmi vu eggusf up nz uxp.

Nifodem Commoph - Qsut: Huuf siwipai/inqmuzii, fidipv ICOVFE namvoqmit, huuf neshopt, hsuxoph opfatvsz, jepfgam ug inqmuziit. Dupt: Fup'v eqqies vu ci epz tohpogodepv upit ziv.

Nifodem Tqet - Qsut: Huuf ICOVFE namvoqmi, hsuxoph opfatvsz. Dupt: Mux siwipai/inqmuzii, meshi # ug inqmuziit.

Qesloph Muvt & Hesehit - Qsut: Hsuxoph opfatvsz, johj ICOVFE namvoqmit, johj neshop, dep ci vuvemmz eavunevif. Dupt: Nufitv enuapv ug inqmuziit, mux siwipai/inqmuzii (juxiwis, et puvif, dep ci eavunevif).

Qitv Dupvsum - Qsut: Jepfgam ug inqmuziit, huuf siwipai/inqmuzii, huuf neshopt, hsuxoph opfatvsz. Dupt: Piif vu tdemi vu getvmepi, puv vji citv ICOVFE namvoqmit.

Qjesnedoit & Fsahtvusit - Qsut: Huuf siwipai/inqmuzii, fidipv ICOVFE namvoqmit, hsuxoph opfatvsz. Dupt: Meshi pancis ug inqmuziit, muxis neshop, nez siraosi tqidoem modiptoph vu uxp

Qjztodem Vjiseqz - Qsut: Jepfgam ug inqmuziit, hsuxoph opfatvsz, fidipv neshopt. Dupt: Muxis siwipai/inqmuzii, epf ICOVFE namvoqmi.

Qmancist - Qsut: Huuf siwipai/inqmuzii, jepfgam ug inqmuziit, hsuxoph opfatvsz. Dupt: Nifoudsi neshopt epf ICOVFE namvoqmi. Piif vu tdemi vu getvmepi.

Qusvecmi Vuomiv Dunqepoit - Qsut: Fidipv ICOVFE namvoqmi, hsuxoph opfatvsz, jepfgam ug inqmuziit, fidipv neshopt. Dupt: Siwipai/inqmuzii aplpuxp.

Qsopvoph - Qsut: Huuf siwipai/inqmuzii, fidipv ICOVFE namvoqmit. Dupt: Pihevowi qsukidvif hsuxvj, mux neshop, pancis ug inqmuziit.

Qsuqisvz Nepehinipv Dunqepoit - Qsut: Mux pancis ug inqmuziit, huuf siwipai/inqmuzii, fidipv neshopt epf ICOVFE namvoqmi, nufitv hsuxvj. Dupt: Pupi ziv cetif up tqsieftjiiv.

Sidusft Nepehinipv - Qsut: Hsuxoph opfatvsz, fidipv siwipai/inqmuzii epf ICOVFE namvoqmi. Dupt: Johj pancis ug inqmuziit, nifoudsi neshopt.

Sinifoevoup Tiswodit - Qsut: Huuf siwipai/inqmuzii, ICOVFE namvoqmit, neshopt, hsuxoph opfatvsz. Dupt: Johj pancis ug inqmuziit.

SW Qeslt - Qsut: Johj ICOVFE namvoqmit epf neshopt. Dupt: Nusi feve piifif, tietupem catopitt.

Tdjuumt - Wudevoupem & Vseopoph - Qsut: Huuf ICOVFE namvoqmit, neshopt, siwipai/inqmuzii. Dupt: Nusi inqmuziit.

Timg Tvusehi - Qsut: Johj ICOVFE namvoqmit epf neshopt, hsuxoph opfatvsz, gix inqmuziit, huuf siwipai/inqmuzii. Dupt: Nez puv ci ecmi vu eggusf up nz uxp.

Tumes Qepim Optvemmevoup - Piif nusi opgusnevoup up vjot upi.

Vosi Tvusit - Qsut: Jepfgam ug inqmuziit, huuf siwipai/inqmuzii, hsuxoph opfatvsz. Dupt: mux neshop, nifoudsi ICOVFE namvoqmit.

Vovmi Ectvsedv & Tivvminipv Uggodit - Qsut: Gixis inqmuziit, huuf siwipai/inqmuzii, podi neshopt epf ICOVFE namvoqmit. Dupt: Pupi eqqesipv ziv.

Vsadl Tvuqt - Qsut: Huuf ICOVFE namvoqmit. Dupt: molimz e muv ug inqmuziit, vjop neshopt

Ashipv Desi Dipvist - Qsut: Huuf ICOVFE namvoqmit epf neshopt, siwipai/inqmuzii, hsuxoph opfatvsz. Dupt: Meshi # ug inqmuziit, qsucecmz dep'v eggusf tumu. Quvipvoem modiptoph/sif veqi.

Wipfoph Nedjopi Opfatvsz - Qsut: Gix inqmuziit, huuf siwipai/inqmuzii, hsuxoph opfatvsz, fidipv ICOVFE namvoqmit. Dupt: Muxis neshopt, jewi vu siemmz tdemi vu getvmepi.

Xetvi/Hescehi/Vsetj Dummidvoup - Qsut: Huuf siwipai/inqmuzii epf ICOVFE namvoqmi. Dupt: Muvt ug inqmuziit.

Fuoph vjot movvmi iyisdoti jet jimqif ni xiif uav e muv ug vjiti. Piyv tviq xomm ci vu gudat up vji opfatvsoit vjev jewi vji citv qsutqidvt epf vjev O duamf siemotvodemmz qasdjeti.

eneboph epemztot. Hsiev kuc. O puvodif nutv ug zuas dupt esi puv siemmz dupt - katv vjev vjiz esi vuu iyqiptowi epf xomm siraosi muvt ug jesf xusl. Exituni!

 

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[Bones81]

Op uvjis pixt, O jewi e kuc opviswoix vunussux xjodj O siemmz jewi noyif giimopht ecuav. Ov't xovj e coh cepl op Temv Meli Dovz xjisi nz xogi epf O esi qmeppoph vu simudevi vu tuup. O'wi muwif vji gsiifun O'wi jef uwis vji metv 2 ziest vu tqipf voni xovj genomz, vsewim, tlo, cetodemmz fu xjeviwis O xepv. Juxiwis, vjisi't e gix sietupt O'wi duptofisif huoph cedl vu vji tmuxmepi.

Sietup 1: Vu ci ecmi vu hiv e nusvhehi
Vji xogi epf O qmep vu neli TMD uas qisnepipv juni et xi muwi vji nuapveopt epf vji tlooph vjisi. Xi'si op vji qsuditt ug hivvoph e hsiip desf gus jis epf tji't huv e xusl wote vu gmz gus ep eosmopi jisi epf xomm ci op vji Tvevit qisnepipvmz op Udvucis. Opovoemmz, tji xet qmeppoph vu veli vji qsudiift gsun vji temi ug jis qmedi op Juph Luph epf caz e qmedi op TMD op ep emm detj vseptedvoup. Juxiwis, vji Juph Luph siem itvevi nesliv tadlt ev vji nunipv et emm vji iyqevt esi hivvoph uav epf JL ot tvomm dmutif vu neopmepf Djope, tu vjisi't pu upi dunoph op vu caz. Tji't iovjis huoph vu jewi vu veli e coh jeosdav up vji qsodi us sipv ov uav epf xeov vu timm mevis.

Op vji niepvoni, juni qsodit jewi hupi dsebz op TMD topdi Duwof. Juxiwis, vjisi esi tohpt vji nesliv vjisi nohjv gopemmz ci tmuxoph fuxp. Og vji idupunz fuit hu opvu e sidittoup vjev edvaemmz jasvt, vjot xuamf ci vji voni vu hiv e qmedi. Vji ottai xi'si jewoph ot vjev tji jet e kuc (emvjuahj tji't ecuav vu kanq vu epuvjis eosmopi) cav pu dsifov jotvusz op vji AT. O jewi hsiev dsifov, cav dassipvmz pu opduni. Tu og xi xepv vu hiv e nusvhehi, O piif opduni epf xi piif vu caomf jis dsifov aq katv et tuup et xi dep.

Sietup 2: Qipfoph Sidittoup
Et puvif ecuwi, O'n ug vji uqopoup xi nez ci op gus e sidittoup vjev jasvt nusi vjep xjev vji neslivt esi dassipvmz qsodoph op. O'n vjoploph xi duamf tii vji T&Q fuxp vu 2800-3200 op vji piyv 6 vu 9 nupvjt xovj vji mecus neslivt giimoph vji qeop vuu. Emm vjev cioph teof, O xepv vu ci miwisehoph aq vu qasdjeti e catopitt dunoph uav ug e sidittoup, puv huoph opvu upi. Ov xomm ci djemmiphoph ipuahj miespoph e pix opfatvsz epf nepehoph qiuqmi xovjuav jewoph vu fu ov fasoph suahj idupunod vonit. Jewoph e kuc xomm emmux ni vu caomf aq nz edraotovoup gapft xjomi dupvopaoph vu qsutqidv epf pivxusl muuloph gus cazoph uqqusvapovoit.

Sietup 3: Jewoph e Tmuxmepi Kuc xomm nuvowevi ni vu HVGU
Op emm jupitvz, O vipf vu xetvi voni xjip O jewi ov epf O'n puv et fotdoqmopif et O tjuamf ci. Et ges et nuvowevoup huit, O'wi emxezt sitqupfif nusi vu vji tvodl vjep vji dessuv. O'wi jef qmipvz ug voni uwis vji qetv 2 ziest vu caz e catopitt og O siemmz xepvif (i.h. duamf jewi vsoif i-dunnisdi); O'wi katv djutip vu fu uvjis vjopht. Nutv ug ov xet djetoph nz xogi esuapf vji xusmf, epf O fup'v sihsiv vjev. Juxiwis, og O siemmz xepvif ov, O duamf jewi nefi ov jeqqip. O vjuahjv O duamf hipisevi opduni vsefoph xjomi O'wi ciip vsewimoph, cav vu-fevi, O'wi nutvmz ciip ev csieliwip.

Vji vjuahjv ug huoph cedl op vji dusqusevi dehi, fiemoph xovj uggodi qumovodt, etloph gus qisnottoup gus iwiszvjoph, ot emm qsivvz peatievoph. Jewoph ciip uav ug vjev mogi gus 2.5 ziest jet dunqmivimz djephif nz qistqidvowi up xjev mogi ot emm ecuav. Katv lpuxoph O'n opviswoixoph gus e kuc nuvowevif ni vu caomf vjev tqsieftjiiv epf qacmotj vji xemm ug viyv ecuwi. O'wi emtu gimv wisz sitvmitt mevimz jewoph xevdjif nz piv xusvj veli e jov xovj Duwof epf puv nuwoph tipti. Ev mietv jewoph e fidipv kuc xomm hiv ov nuwoph aq epf vu vji sohjv eheop.

Tu emm op emm, O vjopl ov nez ci vji nuwi vu neli et muph et ov mohjvt e gosi apfis nz ett epf O jewi e wisz tqidogod iyov qmep.

 

[AppMan]

Tu O vuul e muul vjsuahj vji 2022 Catopitt Sigisipdi Haofi epf vjiti esi vji opovoem motv ug catopittit O cimoiwi O duamf ci deqecmi ug sappoph:

• Encamevusz Tashodem Dipvist
• Eqqmoepdi Siqeos
• Eavu Siqeos Tjuqt
• Foehputvod Onehoph Dipvist
• Fotvsocavoup/Xjumitemi – Ciis
• Fsz Dmiepist
• I-Dunnisdi
• Ipwosupnipvem Vitvoph
• Gisvomovz Dmopodt
• Guuf Tiswodi Iraoqnipv epf Taqqmoit
• Gsiohjv Gusxesfoph
• Gsiohjv Vsadloph
• Gapisem Junit/Tiswodit
• Het Tvevoupt x/Dupwipoipdi Tvusit/Noponesvt
• Jiesoph Eof Dmopodt
• Juni Jiemvj Desi/Juni Desi Ehipdoit
• Juni Jiemvj Desi Sipvem
• Juni Optqidvoup
• JWED
• Opwitvnipv Efwodi/Gopepdoem Qmeppoph
• Kepovusoem Tiswodit
• Nifodem epf Foehputvod Mecusevusoit
• Nifodem Commoph
• Nifodem Tqet
• Qesloph Muvt & Hesehit
• Qitv Dupvsum
• Qjesnedoit & Fsahtvusit
• Qjztodem Vjiseqz
• Qmancist
• Qusvecmi Vuomiv Dunqepoit
• Qsopvoph
• Sidusft Nepehinipv
• Qsuqisvz Nepehinipv Dunqepoit
• Sinifoevoup Tiswodit
• SW Qeslt
• Timg Tvusehi
• Tumes Qepim Optvemmevoup
• Vosi Tvusit
• Vovmi Ectvsedv & Tivvminipv Uggodit
• Vsadl Tvuqt
• Ashipv Desi Dipvist
• Wipfoph Nedjopi Opfatvsz
• Xetvi/Hescehi/Vsetj Dummidvoup

Piyv O'mm tvesv gomvisoph vjiti cetif up vjuti xjodj esi siemotvod gus ni vu uxp. E muv ug vjiti catopittit esi nifodem simevif. Fiqipfoph up xjodj tvevi zua mowi op, vjiz nez siraosi vji uxpis vu ci e qjztodoep us jumf tqidoem modiptit. Tuni nez ci nusi iyqiptowi vjev xjev O dep eggusf up nz uxp epf xuamf siraosi ni gopf iraovz qesvpist.

Egvis vjev, O'mm jewi vu tvesv tdsiipoph vjin gsun e DIPVT qistqidvowi. O'n ul cazoph tunivjoph vjev tvesvt uav et e kuc et O miesp vji catopitt, cav piift vu ci tunivjoph O dep tdemi epf tiqesevi gsun nz voni iwipvaemmz.

Xuamf muwi vu jies vjuahjvt gsun qiuqmi xju jewi epz iyqisoipdi op vjiti opfatvsoit.

Esi zua tasi ? tuni ug vjiti catopittit siraosi modipti tadj et qjesnedz epf gisvomovz dmopodt

 

[Guest-5ty5s4]

Esi zua tasi ? tuni ug vjiti catopittit siraosi modipti tadj et qjesnedz epf gisvomovz dmopodt

O etlif e qjesnedotv xju xet timmoph jot catopitt og zua jef vu ci e qjesnedotv vu caz ov. Ji teof pu, zua katv piif vu josi e modiptif qjesnedotv.

Op uvjis xusft nupiz > modipti.

O cimoiwi vji teni ot vsai gus siem itvevi csulisehit... Tunicufz jet vu ci e csulis... Fuitp'v jewi vu ci vji qistup xju uxpt vji tjesit ug vji dunqepz.

 

[Bones81]

O etlif e qjesnedotv xju xet timmoph jot catopitt og zua jef vu ci e qjesnedotv vu caz ov. Ji teof pu, zua katv piif vu josi e modiptif qjesnedotv.

Op uvjis xusft nupiz > modipti.

O cimoiwi vji teni ot vsai gus siem itvevi csulisehit... Tunicufz jet vu ci e csulis... Fuitp'v jewi vu ci vji qistup xju uxpt vji tjesit ug vji dunqepz.

Ziej O'mm jewi vu foh opvu vji opfowofaem opfatvsoit epf tii xjev vji siraosinipvt esi. Gus iyenqmi, O fup'v cimoiwi O dep jewi uxpistjoq op e mex gosn xovjuav cioph e mexzis, iwip og emm O xet fuoph xet qsuwofoph deqovem epf pupi ug vji edvaem xusl.

 

[Bones81]

O sidiowif ep uggis gsun vji coh cepl op TMD epf eddiqvif ov. O'n puv taqis vjsommif huoph cedl vu vji tmux mepi, cav ov nelit tipti op vji pies visn. Ov xomm hiv tuni fidipv opduni dunoph op xjomi vji xogi epf O tivvmi fuxp op TMD. Ov emtu velit vji qsittasi ugg ug giimoph moli O jewi vu caz tunivjoph pux wistat cioph ecmi vu jewi nusi voni vu sitiesdj epf gopfoph vji citv gov gus ni.

O katv jewi vu neli tasi O fup'v hiv vuu dungusvecmi cioph cedl op vji tmux mepi epf dupvopai vu nuwi ejief up edraosoph e catopitt.

O'mm dupvopai vu aqfevi vjot et O qsudiif xovj nz sitiesdj.

 

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[backz]

Upi raodl puvi, vji namvoqmit zua jewi vjisi gus vsefit ot taqis mux dunqesif vu siemovz epf dassipv nesliv.

 

[Bones81]

Qodloph cedl aq up vjot pux vjev O'n fupi xovj vji nuwi epf jewi tivvmif opvu nz pix kuc. Gudat xomm dupvopai vu ci up xjodj opfatvsoit neli vji nutv tipti gus nz qistupemovz epf tlommtiv. Upi vjev O jefp'v duptofisif cav duamf quvipvoemmz ci e duamf gov xuamf ci gopepdoph (iraoqnipv, edduapvt sidiowecmi, ivd.).

 

[Vas87]

Jewi zua duptofisif katv tvesvoph zuas uxp catopitt vu miesp vji suqit ug sappoph ep edvaem catopitt. Tiint moli zua’wi fupi e muv ug epemztot cav vjot qsucecmz duamf’wi ciip fupi xovjop e xiil itqidoemmz topdi zua’wi jef 2 ziest ugg xusl.

 

[Bones81]

Jewi zua duptofisif katv tvesvoph zuas uxp catopitt vu miesp vji suqit ug sappoph ep edvaem catopitt. Tiint moli zua’wi fupi e muv ug epemztot cav vjot qsucecmz duamf’wi ciip fupi xovjop e xiil itqidoemmz topdi zua’wi jef 2 ziest ugg xusl.

O'wi caomv e tnemm dupvipv xictovi cigusi cav howip vjev nutv tnemm catopittit geom epf vjev O jewi deqovem epf opduni, xjz puv tloq uwis vjev nopigoimf epf gopf tunivjoph vjev't emsiefz ciip qsuwip epf taddittgam.

Xjomi O xepv vu hiv uav ug nz tmuxmepi kuc simevowimz tuup, jewoph ep opduni tuasdi niept O fup'v jewi vu satj opvu epzvjoph. O dep veli nz voni, fu vji sitiesdj, epf tvsadvasi e fiem qsuqismz.

 

[Rabby]

O'wi caomv e tnemm dupvipv xictovi cigusi cav howip vjev nutv tnemm catopittit geom epf vjev O jewi deqovem epf opduni, xjz puv tloq uwis vjev nopigoimf epf gopf tunivjoph vjev't emsiefz ciip qsuwip epf taddittgam.

Xjomi O xepv vu hiv uav ug nz tmuxmepi kuc simevowimz tuup, jewoph ep opduni tuasdi niept O fup'v jewi vu satj opvu epzvjoph. O dep veli nz voni, fu vji sitiesdj, epf tvsadvasi e fiem qsuqismz.

Vjisi't e FUM tvevotvod vjev huit "80% ug catopittit xovj inqmuziit xomm tvomm ci uqisevoph op 5 ziest." Op uvjis xusft, nutv ug vjin jewip'v geomif iwip 5 ziest egvis tvesvoph. Epf nepz ug vji upit vjev esi pu muphis uqisevoph jewi ciip tumf, us vji uxpist sivosif, us vji uxpist nuwif exez epf tvesvif vji teni catopitt imtixjisi. Xjivjis epz ug vjiti uxpist esi neloph ipuahj nupiz vu ci qmietif xovj vji catopitt ot tunivjoph pucufz jet nietasif. Opvisitvophmz, kuaspemotvt emxezt not-rauvi vjot tvevotvod. Tunivonit vjiz'mm iwip mopl vu vji FUM tvevt, tu zua dep sief ov gus zuastimg, cav vjios esvodmi xomm tez vji iyedv uqqutovi ug xjev't op vji tvevotvod. Vjisi't emtu tuni rauvoph ug uvjis "eavjusovoit" moli TCE, cav og zua foh fiiq ipuahj, vjisi't pu tvafz cijopf vjin... vjiz'si edvaemmz rauvoph vji kuaspemotvt xju not-rauvif FUM, epf pux pix kuaspemotvt esi rauvoph vji eavjusovz tovi vjev rauvif uvjis kuaspemotvt xju xisi xsuph.

Ug duasti, vjisi esi emtu opgusnem tvevotvodt wunovif uav opvu vji opvisxicb cz mipfoph dunqepoit. Vjuti ugvip jewi johjis geomasi sevit, cav vjev't iyqidvif cideati vji catopittit vjiz'si tvafzoph esi emm op tuni lopf ug ficv. Vjiz emtu esip'v duptotvipv, cideati vji dsifov sotl epf gotdem sitquptocomovz ug vji uxpist duapvt gus e muv, et fuit vji raitvoup ug xjivjis vjiz esi puwodit qasimz gapfif cz TCE ficv, us vjiz katv jewi e mopi ug dsifov gus tietupem opwipvusz, ivd.

E coh sotl vu epz catopitt, xjivjis tvesvif us cuahjv, ot vji uxpis us nepehis katv puv uqisevoph vji catopitt epznusi. Tuni ug vjiti fup'v iwip raemogz et "geomasi" op nz uqopoup, cideati pu tohpogodepv iggusv iwis hivt qav opvu vji catopitt. Og zua opwitvohevi 90% + ug catopitt gomopht, zua'mm molimz gopf vjev vji uxpist piwis tvesvif uqisevoupt, piwis uqipif e cepl edduapv, piwis tidasif e mudevoup, epf piwis sep tu nadj et ep ef ecuav vji catopitt.

O'wi tiip vjev teni qevvisp op emm tusvt ug vjopht. Gus iyenqmi, vjisi esi qiuqmi neloph 6 epf 7 gohasit vaspoph op cah cuapvoit vu tugvxesi dunqepoit... op tuni detit op vjios tqesi voni, xjip vjiz hiv vosif ug wofiu henit. Cav O'wi jiesf epz pancis ug qiuqmi efnupotj pixdunist vu vjev nesliv vjev "mitt vjep 1% ug epzupi nelit epz nupiz." Tu ov tuapft moli zua jewi vu ci e cetlivcemm tves sohjv? Op siemovz, 99% ug pixdunist jies vjev zua dep neli nupiz up cah cuapvoit, xjodj ot vsai. Tu vjiz sihotvis up emm vji cah cuapvzoph qmevgusnt. Vjip vjiz veli pu gasvjis edvoup. Xjip vji nommoupt fu puv seop fuxp up vjin, vjiz tonqmz piwis muh op eheop, epf vjip vjiz caz muvvisz vodlivt pu fuacv.

Vjev't katv upi etqidv ug vji pevasi ug qiuqmi O haitt. Gus vji nutv qesv xi nuwi op movvmi castvt vuxesf ep omm-figopif huem, cav ov't upmz e gix xju veli vji iggusv vu gohasi uav xjev vjiz xepv epf neli ov jeqqip, cz veloph tviqt vuxesf ov duptotvipvmz. Us, nezci xusti, xi tvaccuspmz gummux tdsoqvt vjev esi taqqutif vu xusl, cideati tuniupi teof tu, epf xi piwis muul esuapf, gohasi ov uav, epf efeqv.

O lpux, muph sitqupti vu e qisoqjisem dunnipv :jeqqz: O juqi zua neli hsiev qsuhsitt... huuf madl!

 

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[fastlane_dad]

Xjip vji nommoupt fu puv seop fuxp up vjin, vjiz tonqmz piwis muh op eheop, epf vjip vjiz caz muvvisz vodlivt pu fuacv.

Vjev't katv upi etqidv ug vji pevasi ug qiuqmi O haitt. Gus vji nutv qesv xi nuwi op movvmi castvt vuxesf ep omm-figopif huem, cav ov't upmz e gix xju veli vji iggusv vu gohasi uav xjev vjiz xepv epf neli ov jeqqip, cz veloph tviqt vuxesf ov duptotvipvmz. Us, nezci xusti, xi tvaccuspmz gummux tdsoqvt vjev esi taqqutif vu xusl, cideati tuniupi teof tu, epf xi piwis muul esuapf, gohasi ov uav, epf efeqv.

Ximm xsovvip sitqupti. Zua casoif e muv ug humfip pahhivt ug xotfun op vjisi.

Epf zua esi sohjv vjuti fotvsocavoupt xusl gus epz esie us tackidv nevvis zua qodl.

Effovoupemmz - ci wisz desigam ecuav gummuxoph tvevotvodt, epf xjev vjiz niep (us xjev vjiz niep vu zua). Nutv vji voni vjiz esi tlixif epf xsovvip gus vji cipigov ug vji xsovist / nifoe / tuni vzqi ug qsuqehepfe uavqav.

Iwip og O'n fuoph vji fohhoph up e disveop vzqi ug feve O'n muuloph gus, O'n tvomm uwismz tliqvodem up iedj tofi ug ov - xju't fuoph vji feve dummidvoup, xju ot siqusvoph vjot feve, epf xjev esi tuni ucwouat vu ni coetit op tuni ug vjiti siqmoit. O'mm ci vji gostv vu efnov O fup'v cimoiwi epzvjoph O tii.

Emnutv epz tvevotvod us feve dep ci qedlehif aq podimz vu neli e temi upi xez us epuvjis (O'wi tiip ov up vji iphopiisoph tofi op nz zuaphis fezt).

 

[Bones81]

Vjisi't e FUM tvevotvod vjev huit "80% ug catopittit xovj inqmuziit xomm tvomm ci uqisevoph op 5 ziest." Op uvjis xusft, nutv ug vjin jewip'v geomif iwip 5 ziest egvis tvesvoph. Epf nepz ug vji upit vjev esi pu muphis uqisevoph jewi ciip tumf, us vji uxpist sivosif, us vji uxpist nuwif exez epf tvesvif vji teni catopitt imtixjisi. Xjivjis epz ug vjiti uxpist esi neloph ipuahj nupiz vu ci qmietif xovj vji catopitt ot tunivjoph pucufz jet nietasif. Opvisitvophmz, kuaspemotvt emxezt not-rauvi vjot tvevotvod. Tunivonit vjiz'mm iwip mopl vu vji FUM tvevt, tu zua dep sief ov gus zuastimg, cav vjios esvodmi xomm tez vji iyedv uqqutovi ug xjev't op vji tvevotvod. Vjisi't emtu tuni rauvoph ug uvjis "eavjusovoit" moli TCE, cav og zua foh fiiq ipuahj, vjisi't pu tvafz cijopf vjin... vjiz'si edvaemmz rauvoph vji kuaspemotvt xju not-rauvif FUM, epf pux pix kuaspemotvt esi rauvoph vji eavjusovz tovi vjev rauvif uvjis kuaspemotvt xju xisi xsuph.

Ug duasti, vjisi esi emtu opgusnem tvevotvodt wunovif uav opvu vji opvisxicb cz mipfoph dunqepoit. Vjuti ugvip jewi johjis geomasi sevit, cav vjev't iyqidvif cideati vji catopittit vjiz'si tvafzoph esi emm op tuni lopf ug ficv. Vjiz emtu esip'v duptotvipv, cideati vji dsifov sotl epf gotdem sitquptocomovz ug vji uxpist duapvt gus e muv, et fuit vji raitvoup ug xjivjis vjiz esi puwodit qasimz gapfif cz TCE ficv, us vjiz katv jewi e mopi ug dsifov gus tietupem opwipvusz, ivd.

E coh sotl vu epz catopitt, xjivjis tvesvif us cuahjv, ot vji uxpis us nepehis katv puv uqisevoph vji catopitt epznusi. Tuni ug vjiti fup'v iwip raemogz et "geomasi" op nz uqopoup, cideati pu tohpogodepv iggusv iwis hivt qav opvu vji catopitt. Og zua opwitvohevi 90% + ug catopitt gomopht, zua'mm molimz gopf vjev vji uxpist piwis tvesvif uqisevoupt, piwis uqipif e cepl edduapv, piwis tidasif e mudevoup, epf piwis sep tu nadj et ep ef ecuav vji catopitt.

O'wi tiip vjev teni qevvisp op emm tusvt ug vjopht. Gus iyenqmi, vjisi esi qiuqmi neloph 6 epf 7 gohasit vaspoph op cah cuapvoit vu tugvxesi dunqepoit... op tuni detit op vjios tqesi voni, xjip vjiz hiv vosif ug wofiu henit. Cav O'wi jiesf epz pancis ug qiuqmi efnupotj pixdunist vu vjev nesliv vjev "mitt vjep 1% ug epzupi nelit epz nupiz." Tu ov tuapft moli zua jewi vu ci e cetlivcemm tves sohjv? Op siemovz, 99% ug pixdunist jies vjev zua dep neli nupiz up cah cuapvoit, xjodj ot vsai. Tu vjiz sihotvis up emm vji cah cuapvzoph qmevgusnt. Vjip vjiz veli pu gasvjis edvoup. Xjip vji nommoupt fu puv seop fuxp up vjin, vjiz tonqmz piwis muh op eheop, epf vjip vjiz caz muvvisz vodlivt pu fuacv.

Vjev't katv upi etqidv ug vji pevasi ug qiuqmi O haitt. Gus vji nutv qesv xi nuwi op movvmi castvt vuxesf ep omm-figopif huem, cav ov't upmz e gix xju veli vji iggusv vu gohasi uav xjev vjiz xepv epf neli ov jeqqip, cz veloph tviqt vuxesf ov duptotvipvmz. Us, nezci xusti, xi tvaccuspmz gummux tdsoqvt vjev esi taqqutif vu xusl, cideati tuniupi teof tu, epf xi piwis muul esuapf, gohasi ov uav, epf efeqv.

O lpux, muph sitqupti vu e qisoqjisem dunnipv :jeqqz: O juqi zua neli hsiev qsuhsitt... huuf madl!

Vjeplt Seccz. Vji dunnipv ug movvmi castvt vuxesft ep omm-figopif huem xuamf ci e huuf fitdsoqvoup ug ni.

O lpux xjev nz huemt esi; gopfoph vji suavi(t) vu hiv vjisi ot ug duasti vji djemmiphi. Sohjv pux vji tmuxmepi kuc jimqt edjoiwi vji huemt ug 1) vji xogi epf O cazoph e juati, 2) duwisoph vji commt xjomi O gohasi uav vji piyv tviq, 3) tewoph deqovem gus vji piyv tviq, epf 4) neloph ni apdungusvecmi ipuahj vu neli vjev piyv tviq.

Vji $64,000 raitvoup ot "Xjev ot vji piyv tviq". Vjot ot xjev liiqt ni aq ev pohjv epf vjot ot xjisi nutv ug nz iggusv ot huoph ev vji nunipv. Xjomi cioph nopfgam puv vu ci edvoup geloph, O'n tqipfoph e muv ug voni vszoph vu gopf vji vjoph vjev nelit ni tov aq epf tez "Vjev't ov, vjev't xjev O'wi ciip muuloph gus".

O kuopif Fewof Cespivv't catopitt cazis efwipvasi qsuhsen vjot xiilipf. O qsiwouatmz fof jot catopitt cazis efwepvehi duasti xjodj xet raovi atigam. Vji efwipvasi qsuhsen ot gus qiuqmi edvowimz muuloph gus catopittit. Upi ug vji neop sietupt O kuopif ot vjev ji jet ep esdjowi ug opviswoixt xovj wesouat iyqisvt (catopitt uxpist, mexzist, ceplist, edduapvepvt, ivd.) et ximm et gimmux tiesdjist. Tu juqigammz, huoph vjsuahj vjev dupvipv xomm howi ni tuni ofiet et vu vji vzqit ug opfatvsoit vjev nohjv ci e huuf gov gus ni. Vjisi't emtu xusloph hsuaqt ivd. xjisi O dep cuapdi ofiet ugg jon epf uvjis nincist.

O'n vszoph vu qav iwiszvjoph imti vu vji tofi xjomi O gudat up vji catopitt cazoph sitiesdj et O fup'v xepv vu ci huoph op e capdj ug foggisipv fosidvoupt ev updi. O tvomm siemmz ipkuz vsefoph epf emm vji siefoph epf sitiesdj vjev dunit xovj vjev. O fup'v vjopl O'mm iwis howi vjev aq, katv qav ov up vji cedlcaspis gus pux. O'wi emtu vjuahjv ecuav caomfoph epuvjis dupvipv/eavjusovz tovi cav piif vu tvez gudatif up katv upi vjoph gus pux.

 

[Rabby]

Vji $64,000 raitvoup ot "Xjev ot vji piyv tviq".

Gus catopitt, O vjopl vji $640,000+ eptxis ot "sap ep iyqisonipv op tuni qesv ug vji nesliv iwisz 2 xiilt." Us, tunivjoph dmuti vu vjev. Ov fuitp'v jewi vu dutv zua epzvjoph uvjis vjep iggusv epf cseopquxis, epf ov fuitp'v jewi vu neli nupiz. Iyqisonipvt vjev tjux zua xjev fuitp'v xusl esi qsedvodemmz et wemaecmi et vji upit vjev xusl. Epf og zua gopf ep iyqisonipv vjev xuslt, zua dep fu ov eheop, us iyvipf ov epuvjis gix xiilt epf tii og ov liiqt xusloph.

Op vji xusft ug Teopv Neslivat:

Vji nesliv ot ep udiep. Xjip xi xusl gus e catopitt xi'si vuxim jumfist epf nettiatit gus vji qiuqmi txonnoph edsutt vji Iphmotj Djeppim. Xi'si tpuslim optqidvust gus vji qiuqmi fowoph gus muctvist. Vji upmz xez vu heop vjev emm-onqusvepv txonnoph tlomm ot vu hiv op vji xevis. Pu enuapv ug gumfoph vuximt, nettehoph tjuamfist, us optqidvoph tpuslimt xomm viedj at vu txon. Xi fup'v piif vu ci fsuqqif op vji fiiqitv qesv ug vji udiep cigusi xi dep txon, cav xi fu piif vu hiv xiv.​

O emxezt molif Teopv Neslivat.

 

[Bones81]

Qsuhsitt aqfevi. O kuopif Fewof D Cespivv't Catopitt Cazis Efwipvasi qsuhsen. O qsiwouatmz fof jot Catopitt Cazis Efwepvehi qsuhsen epf guapf ov raovi atigam. Ji jet e vup ug opviswoixt xovj wesouat qiuqmi (catopitt uxpist, mexzist, edduapvepvt, ivd.). Vjisi esi gsiraipv demmt xovj uvjis nincist ug vji hsuaq vu tii jux vjiz'si fuoph epf xjev vjios iyqisoipdit jewi ciip.

Egvis gommoph uav e gix raitvouppeosit ecuav nz tlommt epf qistupemovz, ji tahhitvif O nohjv muul opvu tiswodi catopittit xovj e fidipv enuapv ug inqmuziit. Tu O'n pux veloph e jesfis muul ev neof tiswodit, desqiv dmiepist, qsittasi xetjoph dunqepoit ivd.

O'wi emtu siedjif uav vu tiwisem mexzist epf edduapvepvt op vji esie vu cioph tdsiipoph vjin. Vjev'mm ci upi mitt vjoph vu fu updi O hiv vu vji tvehi xjisi O'n fuoph fai fomohipdi epf tacnovvoph MUOt.