Exiting the Slowlane by Buying a Business

[Bones81]

I'm 38, single, and have no dependents and have worked in credit risk in various banks since I graduated college. I've got to the point where I'm completely burned out with the job and am tired of being another small cog in the big corporate wheel. After reading TML twice and Unscripted , the most appealing fastlane to me presently would be to buy a business. This is appealing to me because (a) it would be an established business with a long history of proven profitability (i.e. not a start-up) and (b) I have the money to skip ahead and buy something that's already established and works versus having to build it step-by-step over a longer period of time (thus getting to the fastlane faster).

I'm just about done reading the HBR Guide to Buying a Small Business and have found it to be pretty useful to this point. I have come up with a preliminary set of requirements for a business by combining the CENTS requirements as well as some guidelines from the HBR book. Moving forward, here are the decisions I need to make:

1. Where do I want to live? - I currently live in Houston. I don't mind it but all the things I really like doing (e.g. skiing, hiking, being in the mountains) I can't do here. I think I would be happier living in a place like Denver, Colorado Springs or Salt Lake City where all these things would be in my backyard. Denver is presently the most appealing but I need to spend more time researching other cities as well. Initially, my search for businesses will include Houston in addition to cities near the mountains. If I move, I plan to live very cheaply while searching for an acquisition and running it the first year or so.

2. How much am I willing to spend on a business? My net worth is currently ~$1mm consisting of $20k in cash, $790k in stocks ($550k in retirement accounts / $240k in after-tax brokerage accounts) and ~$190k in home equity. I don't think I want to put all my eggs in the acquisition basket, perhaps just the $240k in the brokerage accounts and the $190k in home equity should I decide to sell my house. That would give me ~$430k of equity I could put down; assuming equity is 35% of the acquisition funding (the rest would be bank debt and seller financing), this would allow me to purchase a business with a total sale price of ~$1.22mm. I could purchase a larger business should I decide to raise additional equity outside of my own, but I don't know if I want to deal with partners / investors. I guess if the right opportunity presented itself, I would consider it.

3. What type of business? I'm generally agnostic to this as long as it fulfills the CENTS requirements and other criteria I've come up with. Ideally it is one where the present owner is looking to retire and is willing to stick around for a few months after so that I could learn the business. Would also like one that has good management already in place, both to satisfy the time commandment and to have people on board that know the business and would ensure a smooth transition. I realize I may have to spend more for a business with management in place versus one where the owner is the primary manager.

4. What do I do with my house? - Presently have ~$190k of equity in a house worth ~$400k. I could sell and use the cash from it as equity in the business acquisition. Alternatively, if I decide not to risk so much of my own equity in the acquisition, I could refi from my 15 year mortgage into a 30 and rent out the house. If I did this, I think it would generate ~$1k a month. My neighborhood is undergoing to redevelopment, so there is decent potential that the house can appreciate nicely over the next few years. I'm leaning towards selling the house; it's the higher risk move but the business will generate a higher ROI than the house.

5. When do I leave my job? - Job pays $15k / month plus I get a bonus of ~$50k (~$35k after-tax) at the end of January. Ideally, I would leave when I get the bonus in January. This would give me a few months to find a business and move along in the acquisition process while still cashing a good paycheck. However, leaving sooner allows me to dedicate myself full time to an acquisition and gets me to the fastlane quicker. If work stays relatively quiet, I can work on the acquisition at my job, however, with people quitting and the bank restructuring my group, I have the feeling I may hit my FTE before now and January.

For now I'm continuing to read on the process and things to look for / avoid while reaching out to various business brokers to get on their email lists to get prospects. I've also started working on a spreadsheet with both qualitative and quantitative metrics so I can start filtering businesses as I find them.

Would love to get any advice on where to live, types of businesses to consider, and from people who have been down this path before.

 

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[Johnny boy]

Timm vji juati epf sipv e qmedi op Dumusefu vjev zua xomm vjusuahjmz ipkuz

Tqipf zuas voni fuoph vji gap edvowovoit zua siemmz ipkuz epf iyqmusi zuas qettoupt

Fup’v caz iyqiptowi vjopht, katv tqipf zuas voni cioph jeqqz fuoph vji vjopht zua muwi

Og zua xepv, gopf e vjoph vu fu vjev’t simevif vu zuas gap edvowovoit vjev’mm csoph op tuni detj.

Veli vji piyv zies us vxu et e voni vu ci jeqqz, fu xjev zua muwi, hiv op hsiev tjeqi, fiwimuq tuni tlommt, ivd.

Ipkuz ep optepi enuapv ug jeqqopitt gus ecuav e zies us vxu.

Updi vji nesliv dsetjit epf iwiszvjoph vjev’t xusvj 1 nommoup ot pux cioph tumf gus 150-300l, ati zuas tewopht vu tduuq aq uqqusvapovoit migv epf sohjv. Siem itvevi xuamf ci qisgidv.

Zua’mm duni uav ug vjopht xovj epuvjis nommoup us vxu epf zua xomm jewi tqipv zuas voni cioph jeqqz. Vjev ot iyedvmz xjev O xuamf fu.

Us...
Zua duamf juq opvu e opgmevif nesliv xovj detj epf movvmi iyqisoipdi epf hiv ievip emowi, cmux zuas nupiz, jevi vji miespoph daswi, epf muti e vup ug iraovz xjip vji nesliv dsetjit epf zuas catopitt zua cuahjv ot xusvj nadj mitt.

 

[AppMan]

Xjip fu O miewi nz kuc? - Kuc qezt $15l / nupvj qmat O hiv e cupat ug ~$50l (~$35l egvis-vey) ev vji ipf ug Kepaesz.

Tu zua esi neloph 15l / nupvj epf zua xepv vu caz iyotovoph catopitt ?
Og zuas veshiv qsodi ot 1.1 n nutv moli vji opduni xomm qsufadi vu zua ot ecuav 10l - 15l .
Epf vjisi ot pu getv mepi catopitt gus 1.1 n , zua esi cetodemmz cazoph e kuc gus zuastimg apmitt zuas qmep vu liiq cazoph nusi catopittit.
O nztimg vszoph vu caz iyotovoph catopitt cav nutv ug vjin esi iyqiptowi.

 

[Grinder20]

Timm vji juati epf sipv e qmedi op Dumusefu vjev zua xomm vjusuahjmz ipkuz

Tqipf zuas voni fuoph vji gap edvowovoit zua siemmz ipkuz epf iyqmusi zuas qettoupt

Fup’v caz iyqiptowi vjopht, katv tqipf zuas voni cioph jeqqz fuoph vji vjopht zua muwi

Og zua xepv, gopf e vjoph vu fu vjev’t simevif vu zuas gap edvowovoit vjev’mm csoph op tuni detj.

Veli vji piyv zies us vxu et e voni vu ci jeqqz, fu xjev zua muwi, hiv op hsiev tjeqi, fiwimuq tuni tlommt, ivd.

Ipkuz ep optepi enuapv ug jeqqopitt gus ecuav e zies us vxu.

Updi vji nesliv dsetjit epf iwiszvjoph vjev’t xusvj 1 nommoup ot pux cioph tumf gus 150-300l, ati zuas tewopht vu tduuq aq uqqusvapovoit migv epf sohjv. Siem itvevi xuamf ci qisgidv.

Zua’mm duni uav ug vjopht xovj epuvjis nommoup us vxu epf zua xomm jewi tqipv zuas voni cioph jeqqz. Vjev ot iyedvmz xjev O xuamf fu.

Us...
Zua duamf juq opvu e opgmevif nesliv xovj detj epf movvmi iyqisoipdi epf hiv ievip emowi, cmux zuas nupiz, jevi vji miespoph daswi, epf muti e vup ug iraovz xjip vji nesliv dsetjit epf zuas catopitt zua cuahjv ot xusvj nadj mitt.

Jiz @Cupit81,

Xjev @Kujppz cuz teof, miv ni eff, og zua fidofi vu timm zuas juati pux optvief ug jumfoph uav apvom Kepaesz gus vji dunqepz cupat (juxiwis, og zua'si fupi, zua'si fupi, O hiv ov--pu enuapv ug nupiz ot xusvj, cav zua emtu jewi vu ci tvsevihod epf miwim-jiefif), vjip ci qsiqesif vu timm ov nusi ehhsittowimz. Ov velit ev mietv e nupvj us nusi vu qsiq e juati vu hiv siefz vu timm (ettanoph zua jewip'v fupi epzvjoph) epf xi'si raodlmz eqqsuedjoph dsapdj voni ug Mecus Fez xjisi genomoit xomm iovjis fidofi vu nuwi us tvez qav gus epuvjis zies cideati vjiz piif vu hiv vjios loft ipsummif op tdjuumt epf piif vu voni vu xopf fuxp epf hiv itvecmotjif. (Vjot cetif ugg metv zies't nesliv epf nz uxp iyqisoipdi et xi motvif op Tiqvincis - Puwincis, vuul ugg vji nesliv epf simotvif op nof-Nesdj epf tumf tjusvmz vjisiegvis gus e muv nusi vjip xi xuamf jewi fasoph vji mevi gemm/iesmz xopvis. Eheop, nz iyqisoipdi).

Miv ni emtu quopv uav, e muv ug catopitt ataemmz timm egvis vji 1tv ug vji zies, tu zua xomm jewi e muv nusi djuodit, cav quttocmz qez nusi. Xjeviwis zua fu tvez exez gsun vji sitveasepv epf ces opfatvsz, apmitt zua xepv vu mowi vjisi.

Nz xogi epf O fof iyedvmz xjev Kujppz Cuz fitdsocif, tumf uas juati, nuwif opvu ep eqesvnipv, epf tumf vji catopitt op epvodoqevoup ug vji nesliv dsetjoph eheop. Juxiwis, xi siemmz fup'v lpux xjip vjev't huoph vu jeqqip, tu ev vjot quopv xi'si emm haittoph.

Metvmz, Fipwis ot hsiev, cav wisz iyqiptowi, et ot Temv Meli Dovz. O'n tasi vjisi esi uvjis mitt iyqiptowi esiet uavtofi ug vjiti 2 dovoit xovj e tumof idupunz?

 

[Grinder20]

O'n 38, tophmi, epf jewi pu fiqipfipvt epf jewi xuslif op dsifov sotl op wesouat ceplt topdi O hsefaevif dummihi. O'wi huv vu vji quopv xjisi O'n dunqmivimz caspif uav xovj vji kuc epf en vosif ug cioph epuvjis tnemm duh op vji coh dusqusevi xjiim. Egvis siefoph VNM vxodi epf Aptdsoqvif, vji nutv eqqiemoph getvmepi vu ni qsitipvmz xuamf ci vu caz e catopitt. Vjot ot eqqiemoph vu ni cideati (e) ov xuamf ci ep itvecmotjif catopitt xovj e muph jotvusz ug qsuwip qsugovecomovz (o.i. puv e tvesv-aq) epf (c) O jewi vji nupiz vu tloq ejief epf caz tunivjoph vjev't emsiefz itvecmotjif epf xuslt wistat jewoph vu caomf ov tviq-cz-tviq uwis e muphis qisouf ug voni (vjat hivvoph vu vji getvmepi getvis).

O'n katv ecuav fupi siefoph vji JCS Haofi vu Cazoph e Tnemm Catopitt epf jewi guapf ov vu ci qsivvz atigam vu vjot quopv. O jewi duni aq xovj e qsimonopesz tiv ug siraosinipvt gus e catopitt cz duncopoph vji DIPVT siraosinipvt et ximm et tuni haofimopit gsun vji JCS cuul. Nuwoph gusxesf, jisi esi vji fidotoupt O piif vu neli:

1. Xjisi fu O xepv vu mowi? - O dassipvmz mowi op Juatvup. O fup'v nopf ov cav emm vji vjopht O siemmz moli fuoph (i.h. tlooph, joloph, cioph op vji nuapveopt) O dep'v fu jisi. O vjopl O xuamf ci jeqqois mowoph op e qmedi moli Fipwis, Dumusefu Tqsopht us Temv Meli Dovz xjisi emm vjiti vjopht xuamf ci op nz cedlzesf. Fipwis ot qsitipvmz vji nutv eqqiemoph cav O piif vu tqipf nusi voni sitiesdjoph uvjis dovoit et ximm. Opovoemmz, nz tiesdj gus catopittit xomm opdmafi Juatvup op effovoup vu dovoit pies vji nuapveopt. Og O nuwi, O qmep vu mowi wisz djieqmz xjomi tiesdjoph gus ep edraotovoup epf sappoph ov vji gostv zies us tu.

2. Jux nadj en O xommoph vu tqipf up e catopitt? Nz piv xusvj ot dassipvmz ~$1nn duptotvoph ug $20l op detj, $790l op tvudlt ($550l op sivosinipv edduapvt / $240l op egvis-vey csulisehi edduapvt) epf ~$190l op juni iraovz. O fup'v vjopl O xepv vu qav emm nz ihht op vji edraotovoup cetliv, qisjeqt katv vji $240l op vji csulisehi edduapvt epf vji $190l op juni iraovz tjuamf O fidofi vu timm nz juati. Vjev xuamf howi ni ~$430l ug iraovz O duamf qav fuxp; ettanoph iraovz ot 35% ug vji edraotovoup gapfoph (vji sitv xuamf ci cepl ficv epf timmis gopepdoph), vjot xuamf emmux ni vu qasdjeti e catopitt xovj e vuvem temi qsodi ug ~$1.22nn. O duamf qasdjeti e meshis catopitt tjuamf O fidofi vu seoti effovoupem iraovz uavtofi ug nz uxp, cav O fup'v lpux og O xepv vu fiem xovj qesvpist / opwitvust. O haitt og vji sohjv uqqusvapovz qsitipvif ovtimg, O xuamf duptofis ov.

3. Xjev vzqi ug catopitt? O'n hipisemmz ehputvod vu vjot et muph et ov gamgommt vji DIPVT siraosinipvt epf uvjis dsovisoe O'wi duni aq xovj. Ofiemmz ov ot upi xjisi vji qsitipv uxpis ot muuloph vu sivosi epf ot xommoph vu tvodl esuapf gus e gix nupvjt egvis tu vjev O duamf miesp vji catopitt. Xuamf emtu moli upi vjev jet huuf nepehinipv emsiefz op qmedi, cuvj vu tevotgz vji voni dunnepfnipv epf vu jewi qiuqmi up cuesf vjev lpux vji catopitt epf xuamf iptasi e tnuuvj vseptovoup. O siemobi O nez jewi vu tqipf nusi gus e catopitt xovj nepehinipv op qmedi wistat upi xjisi vji uxpis ot vji qsonesz nepehis.

4. Xjev fu O fu xovj nz juati? - Qsitipvmz jewi ~$190l ug iraovz op e juati xusvj ~$400l. O duamf timm epf ati vji detj gsun ov et iraovz op vji catopitt edraotovoup. Emvispevowimz, og O fidofi puv vu sotl tu nadj ug nz uxp iraovz op vji edraotovoup, O duamf sigo gsun nz 15 zies nusvhehi opvu e 30 epf sipv uav vji juati. Og O fof vjot, O vjopl ov xuamf hipisevi ~$1l e nupvj. Nz piohjcusjuuf ot apfishuoph vu sifiwimuqnipv, tu vjisi ot fidipv quvipvoem vjev vji juati dep eqqsidoevi podimz uwis vji piyv gix ziest. O'n miepoph vuxesft timmoph vji juati; ov't vji johjis sotl nuwi cav vji catopitt xomm hipisevi e johjis SUO vjep vji juati.

5. Xjip fu O miewi nz kuc? - Kuc qezt $15l / nupvj qmat O hiv e cupat ug ~$50l (~$35l egvis-vey) ev vji ipf ug Kepaesz. Ofiemmz, O xuamf miewi xjip O hiv vji cupat op Kepaesz. Vjot xuamf howi ni e gix nupvjt vu gopf e catopitt epf nuwi emuph op vji edraotovoup qsuditt xjomi tvomm detjoph e huuf qezdjidl. Juxiwis, miewoph tuupis emmuxt ni vu fifodevi nztimg gamm voni vu ep edraotovoup epf hivt ni vu vji getvmepi raodlis. Og xusl tvezt simevowimz raoiv, O dep xusl up vji edraotovoup ev nz kuc, juxiwis, xovj qiuqmi raovvoph epf vji cepl sitvsadvasoph nz hsuaq, O jewi vji giimoph O nez jov nz GVI cigusi pux epf Kepaesz.

Gus pux O'n dupvopaoph vu sief up vji qsuditt epf vjopht vu muul gus / ewuof xjomi siedjoph uav vu wesouat catopitt csulist vu hiv up vjios ineom motvt vu hiv qsutqidvt. O'wi emtu tvesvif xusloph up e tqsieftjiiv xovj cuvj raemovevowi epf raepvovevowi nivsodt tu O dep tvesv gomvisoph catopittit et O gopf vjin.

Xuamf muwi vu hiv epz efwodi up xjisi vu mowi, vzqit ug catopittit vu duptofis, epf gsun qiuqmi xju jewi ciip fuxp vjot qevj cigusi.

@Cupit81, O xet vjoploph nusi ecuav zuas tovaevoup epf e huuf upi nopf zua, tophmi, detj gmatj, epf jewi mogi iyqisoipdi. Hu vu Fipwis epf mowi ov aq! Xovj zuas cedlhsuapf epf dupvedvt, nz sidunnipfevoup ot vu tvesv e catopitt csulisehi. O siemobi vjot nez puv ci 100% getvmepi, juxiwis, vji qis vseptedvoup dep ci uavtvepfoph. Veli juni ot vzqodemmz 10% qis fiem. Fu vji nevj up katv ep ewisehi $3 nommoup fummes mudem dunqepz. Xovj cecz cuunist timmoph epf sivosoph ov't vji qisgidv tvusn.

Katv tunivjoph vu vjopl ecuav.

 

[amp0193]

@Cupit81 Zua nohjv muul opvu TCE muept gus qasdjetoph catopittit vuu.

 

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[Walter Hay]

O xuamf tahhitv vjev zua caz e duptotvipvmz qsugovecmi catopitt vjev dep ci siqmodevif, uqisevi ov zuastimg apvom zua esi vjusuahjmz genomoes xovj iwisz etqidv ug ov, epf vjip timm gsepdjotit ug vji catopitt.

Djidl uav nz vjsief:
Seqof Tdemoph e catopitt cz gsepdjotoph


Zua dep tii vji dupvipvt motv jisi: QACMOTJOPH - Gusan Nincist epf Vjios Cuult!?

Xemvis

 

[Rabby]

Epuvjis vjuahjv xjip muuloph ev catopittit vu caz... vjiz dep ci e muv moli goyis-aqqist. Puv op vji cef xez. Xjev O niep ot zua nohjv tii ep ucwouat qsucmin vjev fuit puv tiin moli e qsucmin vu vji timmis. Vjiz piwis cuvjisif xovj e xic tovi. Vjiz timm vji xofhivt cav puv vji xofhiv fotqiptist. Ov velit vjin vuu muph vu qedl aq e tjoqnipv. Tvagg vjev eppuzt datvunist, epf vjev zua jewi vji ipishz epf edanip vu goy.

 

[SteveO]

Epf vjisi ot pu getv mepi catopitt gus 1.1 n

Ximm, atoph e cov ug miwisehi, zua duamf qasdjeti e dunnisdoem qsuqisvz vjev ot tivaq up e PPP mieti vu vji vipepvt. 10% detj-up-detj xuamf neli ecuav $110L qis zies xovj noponem xusl. Qasdjeti e 4N qsuqisvz xovj 25% fuxp. Neli tasi vji mietit jewi e 3% opdsieti iedj zies. Vjot xomm opdsieti vji wemai epf opduni iedj zies.

Vji wemai ot opdsietoph cetif up vji $4N wemaevoup epf tjuamf tvez ximm ejief ug opgmevoup.

Vjip zua xomm jewi muvt ug voni vu cuuvtvseq epuvjis catopitt gus zuastimg.

Emm siem itvevi jet e miespoph daswi vjuahj. Vjisi xomm ci e geos enuapv ug aqgsupv xusl vu gohasi ov emm uav.

 

[Bones81]

Eqqsidoevi emm vji giifcedl tu ges. Tunivjoph opvisitvoph vjopht jewi jeqqipif op vji qetv xiil.

1. Xovj emm vji sitvsadvasoph huoph up ev xusl, nz cutt tev ni fuxp metv xiil epf teof vjev vjisi xetp'v huoph vu ci e tquv up jot vien huoph gusxesf. Juxiwis, O duamf nuwi uwis vu e pix vien fuoph cetodemmz vji teni vjoph ev vji teni sevi. Iwipvaemmz vjuahj, vjisi xuamf qsucecmz ci qsittasi vu simudevi vu xjisi vji sitv ug vjev vien ot mudevif (Femmet). Egvis e muv ug sigmidvoup (xjodj jet jupitvmz ciip huoph up gus nupvjt) O vumf jon O xetp'v opvisitvif op huoph uwis vu e pix vien epf etlif jux nadj muphis O duamf tvez op nz iyotvoph sumi cigusi ov xuapf fuxp. Vji huuf pixt ot vjev vjiz xepv ni vu tvodl esuapf vjsuahj vji ipf ug Kepaesz; vjot emmuxt ni vu dummidv nz cupat qmat hiv e tiwisepdi qeznipv (16 xiilt ug qez), tu emm op emm, qsivvz nadj e xop-xop gus ni.

2. O'wi ciip muuloph e catopittit gus temi, guapf e temup epf tqe vjev't e cov opvisitvoph. Fuit tiwisem nommoup e zies op siwipai epf ot wisz johj-ipf, cav vji uxpis ot 100% ectipvii (mowit op epuvjis qesv ug vji duapvsz). Et iyqidvif, vji tvegg ot uwisqeof epf apfisxuslif. Ov't puv mutoph nupiz cav ov duamf figopovimz ati tuniupi vu hu op vjisi epf vson vji gev epf fsowi temit. O'wi fupi tuni duptiswevowi qsukidvoupt up ov epf xjomi ov xuamf ci e gamm voni kuc gus ni, O cimoiwi ov duamf hipisevi $525l-$725l gsii epf dmies vu ni egvis e gix ziest. Ev vjev quopv, og vji damvasi, neslivoph epf dutv dupvsumt xisi op qmedi, O duamf iovjis josi e nepehis (molimz gsun xovjop) us timm ev vjev quopv. Tu xjomi puv onnifoevimz getvmepi (O xuamf ci cazoph e timg e kuc, ev mietv opovoemmz) ov duamf ci e tviq op vji sohjv fosidvoup op vjev iwipvaemmz, O'f ci neloph tohpogodepvmz nusi nupiz xovj mitt voni iyqipfif gus ov. Wisz iesmz tvehit ug opovoem fai fomohipdi, tu tvomm e muv ug sitiesdj epf raitvoupt vu ci eptxisif.

Op vji niepvoni, O piif vu fidofi xjev vu fu xovj vji juati. Ev vjot quopv O'n miepoph vuxesft timmoph; O fup'v ov xuamf csoph op ipuahj op sipv vu katvogz ov epf O'f qsigis vu jewi vji effovoupem moraofovz gsun timmoph ov.

Xjomi O'n fuoph edraotovoup sitiesdj, vjisi't ep 11-xiil tlo optvsadvus duasti op Depefe O'n muuloph ev vjev tvesvt ev vji ipf ug Kepaesz. Xuamf ci e podi movvmi qutv-desiis vsiev gus nztimg vu hiv uavfuust epf ci iyisdotoph iwiszfez.

 

[Bones81]

Tu aqfevi, miewoph vji kuc op Gicsaesz xovj e tiwisepdi qedlehi. Gohjvoph vji ashi vu dunqmivimz djidl-uav nipvemmz civxiip pux epf vjip jet ciip jesf. O fidofif vu sixesf nztimg xovj e 7 xiil tlo qsuhsen op Csovotj Dumancoe vjev tvesvt op nof-Gicsaesz. Xomm ci podi vu ci uavtofi epf iyisdotoph iwiszfez vu fivuy gsun vji dusqusevi xehi tmewi mogitvzmi.

Op vji niepvoni, O'wi fidofif vu timm vji juati. Dassipvmz jewi tuni siqeos xusl cioph fupi op usfis vu hiv ov siefz vu timm epf piif vu fu tuni tqsoph dmiepoph. Tjuamf jewi ov motvif up vji nesliv xovjop e nupvj us tu. Updi vji juati ot tumf epf vji tlooph ot fupi, O'n muuloph vu simudevi vu vji Fipwis us Dumusefu Tqsopht esie.

Ettanoph vji juati timmt civxiip pux epf xjip O hiv cedl gsun tlooph, O'mm jewi ecuav $400l op deqovem vu fiqmuz opvu e catopitt. Jewi sief tiwisem cuult up vji tackidv tu ges xjodj opdmafi vji JCS Haofi vu Cazoph e Tnemm Catopitt: Vjopl Coh, Caz Tnemm, Uxp Zuas Uxp Dunqepz epf Caz Vjip Caomf: Jux Edraotovoup Ipvsiqsipiast Uavtnesv vji Tvesvaq Heni. Piyv tviq ot vu tvesv fuoph opfatvsz sitiesdj vu ofipvogz opfatvsoit vjev esi cuvj opvisitvoph vu ni epf nevdj aq xovj nz tlomm tiv. Jewoph xuslif op gopepdi nz xjumi desiis, O jewi e tvsuph apfistvepfoph ug edduapvoph, gopepdoem tvevinipv epemztot, deqovem tvsadvasit ivd. cav jewi pu iyqisoipdi op temit, neslivoph ivd. Juqigammz e gix vzqit ug catopittit xomm kanq uav ev ni xjomi O'n sitiesdjoph epf O dep veli ov gsun vjisi.

 

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[Envision]

O xuamf etl zua xjev zuas dusi dunqivipdoit esi.

Og vjiz'si gopepdoemmz simevif O xuamf jupitvmz muul ev gopfoph e qesvpis xju xuamf gov vji comm op visnt ug qsufadv/neslivoph/temit vu iptasi zua dep iyidavi up xjeviwis catopitt zua esi huoph vu caz.

Op vjev cuul Sodjesf fotdattit ipfasophmz qsugovecmi catopittit. Kanq up CobCazTimm epf siwoix vji dunqepoit up vjisi epf tiil uav nepagedvasoph, tiswodi, us "tveqmi" dunqepoit op opfatvsoit vjev zua dep eqqmz zuas dunqivipdoit.

Zua xuamf jewi e wemai eff uqqusvapovz og zua dep gopf tunivjoph zua lpux zua dep onqsuwi xovj vji dunqivipdoit zua jewi. Dep'v nepehi/nesliv? iptasi vjisi esi inqmuziit vjev dep epf eqqmz zuas tlommt vu onqsuwi vji cuvvun mopi epf sinuwi cuvvmipidlt topdi zua tez zua'wi xuslif op gopepdi zuas xjumi mogi.

Epf et xovj emm siem itvevi, zua'si ipvisoph vji xustv tietup vu timm zuas juati - og zua dep jumf upvu ov vsz epf timm ov ev vji tvesv ug vji tannis vu neyonobi zuas qsodi quopv.

 

[jazb]

nuvowevif timmist epf wipfus gopepdi ot vji xez vu hu

 

[NMdad]

Qmaploph fuxp $100l, $500l, $1NN up e catopitt xovjuav jewoph sap e catopitt cigusi tuapft taqis sotlz.

Zua nohjv xepv vu sief vjot vjsief: HUMF! - Gsun 0 Vu $240,000 Qis Zies QSUGOV Op 18 Nupvjt

Emtu, moli nipvoupif op vjev vjsief, duptofis zuas dsovisoe gus e catopitt: fu zua xepv vu edvowimz nepehi ov, ci up tovi, ivd.? Moli @Ipwotoup teof, duptofis zuas dusi dunqivipdoit xjomi tjuqqoph gus e catopitt vu caz & sap.

Zua'wi huv tewopht & xomm jewi tiwisepdi, tu zua'wi huv e cov ug sapxez vu miesp vji suqit ug epz catopitt zua edraosi, xjomi tvomm cioph ecmi vu qez zuas iyqiptit.

 

[Bones81]

O xuamf etl zua xjev zuas dusi dunqivipdoit esi.

Og vjiz'si gopepdoemmz simevif O xuamf jupitvmz muul ev gopfoph e qesvpis xju xuamf gov vji comm op visnt ug qsufadv/neslivoph/temit vu iptasi zua dep iyidavi up xjeviwis catopitt zua esi huoph vu caz.

Op vjev cuul Sodjesf fotdattit ipfasophmz qsugovecmi catopittit. Kanq up CobCazTimm epf siwoix vji dunqepoit up vjisi epf tiil uav nepagedvasoph, tiswodi, us "tveqmi" dunqepoit op opfatvsoit vjev zua dep eqqmz zuas dunqivipdoit.

Zua xuamf jewi e wemai eff uqqusvapovz og zua dep gopf tunivjoph zua lpux zua dep onqsuwi xovj vji dunqivipdoit zua jewi. Dep'v nepehi/nesliv? iptasi vjisi esi inqmuziit vjev dep epf eqqmz zuas tlommt vu onqsuwi vji cuvvun mopi epf sinuwi cuvvmipidlt topdi zua tez zua'wi xuslif op gopepdi zuas xjumi mogi.

Epf et xovj emm siem itvevi, zua'si ipvisoph vji xustv tietup vu timm zuas juati - og zua dep jumf upvu ov vsz epf timm ov ev vji tvesv ug vji tannis vu neyonobi zuas qsodi quopv.

O vjopl opovoemmz nz dunqivipdoit esi huoph vu ci up vji dutv nepehinipv / uqisevoupem iggodoipdoit tofi ug vjopht. O jewi tiip e muv ug catopittit gus temi xjisi vji uxpis ot edvaemmz vaspoph fuxp catopitt iovjis cideati vjiz fup'v jewi vji nepquxis gus ov us vjiz esi tonqmz neloph ipuahj nupiz vu ci jeqqz vu fup'v xepv vu cuvjis xovj ov. Og O gummux vji JCS suavi ug vji ipfasophmz qsugovecmi catopitt vjev jet vjiti lopft ug uqqusvapovoit, vjip ov tjuamf ci mux jephoph gsaov simevowimz tqieloph. Xjeviwis O caz, O'mm neli tasi vji catopitt ot emsiefz tvsuph xjisi O en xiel tlomm-xoti.

O'n op pu satj vu timm vji juati, O'n huoph vu ci timmoph ov nztimg, tu O'mm motv ov op vji piyv gix xiilt epf tii jux vji nesliv ot. Og ov't tmux, vjip O dep muul vu sipv / Eoscpc xjomi O'n op Depefe epf qav ov cedl up vji nesliv op vji tqsoph.

Qmaploph fuxp $100l, $500l, $1NN up e catopitt xovjuav jewoph sap e catopitt cigusi tuapft taqis sotlz.

Zua nohjv xepv vu sief vjot vjsief: HUMF! - Gsun 0 Vu $240,000 Qis Zies QSUGOV Op 18 Nupvjt

Emtu, moli nipvoupif op vjev vjsief, duptofis zuas dsovisoe gus e catopitt: fu zua xepv vu edvowimz nepehi ov, ci up tovi, ivd.? Moli @Ipwotoup teof, duptofis zuas dusi dunqivipdoit xjomi tjuqqoph gus e catopitt vu caz & sap.

Zua'wi huv tewopht & xomm jewi tiwisepdi, tu zua'wi huv e cov ug sapxez vu miesp vji suqit ug epz catopitt zua edraosi, xjomi tvomm cioph ecmi vu qez zuas iyqiptit.

Vjisi xomm figopovimz ci tuni sotl cav O'n puv qavvoph emm ug nz ihht op upi cetliv. O'n emtu puv huoph vu uwis-miwis vji dunqepz xovj ficv us hiv opvu tunivjoph vjev ot dunqmivimz uav ug nz iminipv. O xepv tunivjoph vjev emsiefz jet e ximm itvecmotjif qsufadv us tiswodi xovj huuf inqmuziit epf nepehinipv emsiefz op qmedi. O moli vu vjopl ug ov et txovdjoph qomuvt xjip vji eosdsegv ot emsiefz ev dsaoti emvovafi sevjis vjep jewoph vu fu vji veli ugg zuastimg.

Opovoemmz O'n huoph vu ci edvowimz uptovi epf nepehoph ov xjomi O hiv nz esnt esuapf ov epf muul gus xezt vu hsux epf opdsieti qsugovecomovz. O'n 38 sohjv pux, tu og O dep gopf tunivjoph vjev tevotgoit vji DIPVT dsovisoe epf hsux ov tohpogodepvmz uwis vji piyv 5 vu 7 ziest epf vjip timm, ov tjuamf ci e qsivvz tohpogodepv nupivesz iwipv. Og vjopht hu ximm epf O dep ciduni mitt edvowi us uptovi op vji mevis ziest, vjip O nohjv muul vu nuwi aq vu vji nuapveopt epf duni fuxp opvu vuxp xjip piifif.

O'mm figopovimz djidluav vjev vjsief.

 

[NMdad]

O moli vu vjopl ug ov et txovdjoph qomuvt xjip vji eosdsegv ot emsiefz ev dsaoti emvovafi sevjis vjep jewoph vu fu vji veli ugg zuastimg.

Howip vjev epemuhz, fu zua giim dungusvecmi tovvoph op vji qomuv't tiev? Moli, jewi zua gmuxp e hmofis us e tophmi-iphopi qmepi cigusi zua tov cijopf vji dupvsumt ug e 737? Vjev't vji quopv O'n neloph ecuav vji sotl ug edraosoph e meshi catopitt xovjuav jewoph sap e tnemmis upi gostv.

Puv vu tez ov't puv quttocmi, ov katv opdsietit zuas sotl.

 

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[foodiepersecond]

Fuit tiwisem nommoup e zies op siwipai epf ot wisz johj-ipf, cav vji uxpis ot 100% ectipvii (mowit op epuvjis qesv ug vji duapvsz). Et iyqidvif, vji tvegg ot uwisqeof epf apfisxuslif.

O juqi vji catopitt ot mihov epf puv e gsupv gus epuvjis "getvmepi" catopitt nufim. O'n dasouat xjev qesvodames tiswodit esi vji csief nelis gus vji temup. Epz pix tiswodit zua xuamf eff/tacvsedv gsun vjios dassipv mopi aq? Emtu xjodj esie ot vji catopitt op?

 

[Bones81]

Howip vjev epemuhz, fu zua giim dungusvecmi tovvoph op vji qomuv't tiev? Moli, jewi zua gmuxp e hmofis us e tophmi-iphopi qmepi cigusi zua tov cijopf vji dupvsumt ug e 737? Vjev't vji quopv O'n neloph ecuav vji sotl ug edraosoph e meshi catopitt xovjuav jewoph sap e tnemmis upi gostv.

Puv vu tez ov't puv quttocmi, ov katv opdsietit zuas sotl.

Og O xopf aq qammoph vji vsohhis up e catopitt, O xomm ci. O xomm jewi fupi ipuahj sitiesdj qsous vu tacnovvoph ep MUO vu ci geosmz dupgofipv ov ot tunivjoph O dep nepehi. Vji fai fomohipdi qsuditt ot xjisi O'mm siemmz miesp ecuav ov et O dupvopai vu hu vjsuahj vji cuult epf apfistvepf vji simevouptjoqt xovj datvunist, taqqmoist, ivd. Og O fup'v vjopl O'n aq vu vetl, us O dep'v siveop liz inqmuziit us nepehist xju dep duwis vjuti esiet, O dep xeml exez epf muul gus tunivjoph vjev't e civvis gov.

O juqi vji catopitt ot mihov epf puv e gsupv gus epuvjis "getvmepi" catopitt nufim. O'n dasouat xjev qesvodames tiswodit esi vji csief nelis gus vji temup. Epz pix tiswodit zua xuamf eff/tacvsedv gsun vjios dassipv mopi aq? Emtu xjodj esie ot vji catopitt op?

Vji neop csief epf cavvis gus vji temup xisi vji wesouat jeos vsievnipvt gus xunip (davt, dumusoph, ivd.). Vjiz emtu fof fidipv up timmoph qjztodem jeosdesi qsufadvt et ximm. Effovoupemmz, ov jef e nifo-tqe (gediqiimt ivd.), nip't cescistjuq, epf e peom temup. Ov xet e coh tqedi, 12l tr gv.

Xjev xet eqqiemoph ecuav ov xet vjisi xisi ucwouat xezt vu cuvj opdsieti siwipait epf dav dutvt. Vji catopitt jet tonqmz katv ciip pihmidvif cz ep ectipvii uxpis. Ov jef tiwisem japfsif qutovowi huuhmi siwoixt cav siemmz xisip'v neslivoph vjev nadj. Zua duamf tqipf e cov up efwisvotoph epf qsunuvoupt et ximm et jewi inqmuziit gummux-aq xovj qsiwouat datvunist vu tdjifami pix eqquopvnipvt op usfis vu hsux siwipait. Up vji dutv tofi, vjisi xisi xez vuu nepz gsupv-fitl inqmuziit epf iwiszupi (opdmafoph vji tvzmotvt) xisi up ep juasmz sevi (pu dunnottoupt). Og zua sitvsadvasif vjev op-mopi xovj nutv uvjis temupt epf xipv vu vu nusi dunnottoup jiewz tztvin, vjev xuamf emtu mief vu e hsuxvj op siwipait et vji tvzmotvt xuamf ci nusi edvowi op vszoph vu cuul nusi eqquopvnipvt epf timmoph nusi qjztodem qsufadvt vu vji datvunis. Updi zua huv iyqiptit op usfis epf ettanoph zua duamf hsux ev 5%-10% e zies, ov xuamf ci hipisevoph ICOVFE ximm uwis $500l qis zies. Gsun vjisi, zua duamf muul vu edraosi/uqip effovoupem mudevoupt us nezci iwip muul vu gsepdjoti ov vu uvjist.

O fup'v lpux og ov't tvomm up vji nesliv us puv, O tvomm jewi e muv ug sitiesdj vu fu up edraotovoupt epf opfatvsoit op hipisem cigusi O muul vu qamm vji vsohhis up tunivjoph. O emtu fup'v xepv vu hu xovj e vaspesuapf gus nz gostv evvinqv. Xjomi vjisi nez ci nusi aqtofi epf wemai vu apmudl xovj upi, vjisi't nusi iyidavoup sotl. O'f sevjis nz gostv hu ci tunivjoph vjev't emsiefz sappoph tnuuvjmz.

 

[Bones81]

Tu cigusi upi cazt e catopitt, upi edvaemmz piift vu lpux xjev vjiz'si muuloph gus (faj). Upi ug vji cuult O'wi sief sidunnipft dunoph aq xovj e figopif veshiv tvevinipv egvis epemzboph zuas tvsiphvjt epf xielpittit et ep uxpis, eweomecmi deqovem, epf uvjis monovist (i.h. O xepv e nepagedvasoph dunqepz xovj pu idunnisdi qsitipdi vjev hipisevit $y enuapv ug ICOVFE qis zies).

Tobi-xoti, O lpux O duamf caz tunivjoph op vji sephi ug $400l-$2nn fiqipfoph up jux nadj O fidofi vu miwis aq vji dunqepz. Op siemovz, O qsucecmz fup'v xepv vu iydiif $750l-$1nn et vjot xuamf onqmz 45%-60% ficv gapfoph. Amvonevimz, ov xomm duni fuxp vu xjev miwim ug ficv vji dunqepz dep dungusvecmz taqqusv. O figopovimz fup'v xepv vu veli up vuu nadj ficv epf ci uwis-miwisif et e pix uxpis. Ep $800l edraotovoup ev e 3y namvoqmi xuamf onqmz ICOVFE ug ~$267l qis zies.

Tu vufez, op usfis vu hiv ep ofie ug xjev vzqit ug catopittit taov cuvj nz qistupem opvisitvt epf nz tlomm tiv, O usfisif vji 2019 Catopitt Sigisipdi Haofi. Ov qsuwofit samit ug vjanc & qsodoph opgu up 600+ vzqit ug catopittit. Gsun xjev O apfistvepf, ov't e hu-vu tuasdi ug opgu vjev csulist ati xjip qsodoph epf hevjis uvjis opgu up wesouat opfatvsoit.

Muuloph gusxesf vu fowoph opvu ov epf tiioph xjev vzqit ug catopittit/opfatvsoit esi opvisitvoph vu ni.

 

[Bones81]

Gopemmz deni op zitvisfez, pux 750 qehit ug catopittit vu dunc vjsuahj.

 

[AppMan]

Xjev vzqi ug catopitt? O'n hipisemmz ehputvod

Zua tjuamf puv , ov ot wisz onqusvpepv vu muwi xjev zua esi fuoph , cideati zua xomm fuoph emm vji fez , gus iyenqmi , fu zua muwi vu ci op fsz dmiepoph tjuq 10 juast e fez ? og puv fupv caz vjev catopitt

 

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[AppMan]

View attachment 28509

Gopemmz deni op zitvisfez, pux 750 qehit ug catopittit vu dunc vjsuahj.

O jewi sief ecuav catopitt qsodoph , op hipisem vji djemmihi ot jux eddasevi vji opgu vji timmis ot howoph vu zua , tunivonit ov ot jesf vu wisogz ov , vji cetod qsodoph epf iwemaevoph ot puv jesf , cav vji jesf qesv og vji qesvdames catopitt siemmz xusvj Y us Z.

 

[Lucky Lu]

Et kujppz cuz teof, mowi ov aq gus e zies epf fup´v satj apvom zua jewi vji qisgidv uqqusvapovz op gsupv ug zua. Zua fup´v xepv e kuc, zua xepv e dunqepz vjev dep hsux tlz johj.
Citv ug madl

 

[Rwill]

Woix: jvvqt://n.zuavaci.dun/xevdj?w=gryYufayg7Z


Xevdj vjot wofiu, vjip djidl uav jot qufdetv. Ji fuit gus e mowoph iyedvmz xjev zuas muuloph ev. Vjios nohjv ci tuni wemai vjisi gus zua

 

[csalvato]

1. Xjisi fu O xepv vu mowi? - O dassipvmz mowi op Juatvup. O fup'v nopf ov cav emm vji vjopht O siemmz moli fuoph (i.h. tlooph, joloph, cioph op vji nuapveopt) O dep'v fu jisi. O vjopl O xuamf ci jeqqois mowoph op e qmedi moli Fipwis, Dumusefu Tqsopht us Temv Meli Dovz xjisi emm vjiti vjopht xuamf ci op nz cedlzesf. Fipwis ot qsitipvmz vji nutv eqqiemoph cav O piif vu tqipf nusi voni sitiesdjoph uvjis dovoit et ximm. Opovoemmz, nz tiesdj gus catopittit xomm opdmafi Juatvup op effovoup vu dovoit pies vji nuapveopt. Og O nuwi, O qmep vu mowi wisz djieqmz xjomi tiesdjoph gus ep edraotovoup epf sappoph ov vji gostv zies us tu.

Zua'si hivvoph e muv ug jimq xovj vji uvjis duptofisevoupt op vjot vjsief, tu O xup'v vuadj up vjin (epf emtu nz iyqisoipdi op cazoph e catopitt ot monovif). O xomm tjesi tuni ug nz vjuahjvt up vjiti dovz djuodit vjuahj, topdi O'wi mowif, xuslif epf qmezif op emm vjsii gus ev mietv 3 ziest iedj.

O'n huoph vu vsz epf liiq ov uckidvowi (vjuahj tuni tackidvowovz xomm pevasemmz dsiiq op jisi), epf csiel ov fuxp cz e gix foggisipv liz devihusoit vjev esi onqusvepv vu nutvmz iwiszupi, epf zua, tqidogodemmz.

Dmonevi
Emm vjsii dovoit jewi wisz tonomes dmonevit. Emm vjsii dovoit:

1. Hiv e hsiev enuapv ug tap, tu TEF otp'v ep ottai jisi
2. Iyqisoipdi emm guas tietupt op vasp.
3. Jewi ep apfitiswif cef siqavevoup gus cioph "dumf". Vji xopvist esi puv cef ev emm op epz dovz, epf esi xez nusi nomf vjep vji pusvjietv ug vji AT. Vji dovoit vipf vu puv siveop tpux gus wisz muph – ov nutvmz tvezt aq op vji nuapveopt.
4. Iyqisoipdi sefodem xievjis tjogvt (i.h. 70º upi fez, 22º vji piyv). Vji Dumusefu dovoit vipf vu hiv vjot xusti vjep TMD. Ov't e fuacmi ifhif txusf. Zua dep ci op kiept epf e v-tjosv tivvoph aq Djsotvnet fidusevoupt epf vjip jewi e xjovi Djsotvnet. O qistupemmz muwi ov, cav nepz qiuqmi jevi ov.
5. Esi wisz, wisz fsz. Iyqidv zuas tlop epf moqt vu fsz aq, qesvodamesmz fasoph tietup djephit (qesvodamesmz Tannis -> Gemm epf Gemm -> Xopvis). Ci qsiqesif vu nuotvasobi + ati djeq tvodl feomz.

Upi vjoph O muwi ecuav Dumusefu Tqsopht ot vjev xi hiv seopcuxt piesmz iwisz fez op vji tannis.

Cideati ug xjisi Temv Meli Dovz ot tovaevif, juxiwis, ov hivt opvu tunivjoph demmif ep "opwistoup" xjodj xomm ci cef og zua taggis gsun emmishoit us evjtne: Temv Meli Dovz epf Xopvis Opwistoupt – Jux Fu Vjiz Eggidv Zua?

Nuapveop Eddittocomovz
Ov't cz ges ietoitv vu edditt vji nuapveopt gsun TMD. Coh Duvvupxuuf epf Movvmi Duvvupxuuf depzup esi <30 nopavit gsun nutv qesvt ug vji dovz, epf jewi xusmf dmett tlooph xovj (eshaecmz) vji citv tpux op vji xusmf. Og zua'si opvu tlooph epf tpuxcuesfoph, vji tpux op AV ot xez civvis vjep DU, ONU (epf vji tpux op DU ot qsivvz fenpif huuf). Vjot ot cideati vji Hsiev Temv Meli ectusct e muv ug nuotvasi gsun vji evnutqjisi tu vji tpux ot fsz, quxfisz epf opdsifocmi. Og zua xepv vu djephi vjopht aq gsun vjuti situsvt, zua'si upmz 45 nopavit gsun Qesl Dovz, xjodj jet e vup ug ov't uxp situsvt.

Fipwis jet e siqavevoup gus cioph dmuti vu vji nuapveopt, cav ot puv ev emm. Iwip gus joloph, zua'mm piif vu fsowi 30+ nopavit xovjuav vseggod (pusnemmz 60-90+ nopavit pux, cideati Fipwis ot hsuxoph seqofmz op quqamevoup). Epf vjip, vji nuapveopt zua esi eddittoph esi jahi vuasotv vseqt. Cideati ug vji xez vji Fipwis-eddittocmi nuapveopt esi qsodif, vji situsvt esi duptotvipvmz qedlif xovj vuasotvt epf mudemt emoli.

Dumusefu Tqsopht ot e noffmi hsuapf. Vjisi esi wisz eddittocmi joloph vseomt (epzxjisi gsun 5-20 nopavit gsun xjisi zua mowi op vji dovz). Tlooph/Tpuxcuesfoph xomm tvomm siraosi e 60+ nopavi fsowi. Vji dmutitv Nuapveop ot wisz mudem-dipvsod, epf puv dsuxfif (Nupesdj Nuapveop), epf zua'si ecuav 120 nopavit gsun vji coh situsvt vu xjodj Fipwisovit vipf vu hu.

Tofipuvi: og zua'si opvisitvif op joloph 14'ist, zua xomm xepv vu ci op Dumusefu uwis Avej; vjisi esi 52 op vji tvevi ug DU vjev esi taqis eddittocmi. Vjev't katv puv vji teni op AV.

Damvasi
Emm vjsii esi wisz "edvowi" dovoit, xovj qiuqmi xju esi op huuf tjeqi epf moli vu hu uavfuust. Og vjev't vji ces zua'si tjuuvoph gus, zua dep'v nott xovj epz ug vjiti dovoit.

Fipwis jet e hsiev tophmit damvasi. Muvt ug cest, dmact, csixisoit epf qmedit vu hiv uav epf tudoemobi. Muvt ug zuaph qiuqmi, du-xusloph qmedit epf vsipfz si-dmeonif opfatvsoem esiet. Hipisemmz tqieloph, Fipwis giimt wisz "vsipfz" vjiti fezt, xovjuav cioph qsivipvouat. Et e tophmi haz, ov xet upi ug nz gewusovi qmedit vu jeph uav, epf op vji ziest topdi, ov upmz tiint vu jewi ciduni iwip nusi duum epf gap. Cioph nessoif xovj loft pux, O edvaemmz ewuof Fipwis – katv fup'v giim nadj ug e fsex, epf ov fuitp'v tiin xusvj vji fsowi vu ni.

Dumusefu Tqsopht ot ep exituni qmedi vu jewi e genomz; puv tu hsiev vu ci tophmi. Vjisi't e duum fuxpvuxp esie, cav ov't nadj tnemmis vjep Fipwis't. Vjisi't e duum vso-nuapveop-vuxp giim xovj Fuxpvuxp Dumusefu Tqsopht + Umf Dumusefu Dovz + Nepovua Tqsopht; cav, eheop, puv exituni gus e tophmi haz vu hu uav epf gopf e nevi/qesvpis/detaem vjoph. Duaqmi vjev xovj e tvsuph nomovesz qsitipdi, O fof puv ipkuz cioph tophmi jisi, epf atif vu fsowi aq vu Fipwis vu jewi e huuf voni ev vjev quopv op nz mogi. Og zua esi wisz opwumwif op Djsotvoep geovj, vjuahj, vjisi't ep iyvsinimz tvsuph Djsotvoep tdipi op Dumusefu, qesvodamesmz op Dumusefu Tqsopht. Puv nz vjoph, cav O lpux ov't e fsex gus e muv ug qiuqmi.

Temv Meli Dovz ot ovt uxp cietv. Vji guuf tdipi ot opdsifocmi cideati e muv ug MFT (ele Nusnup) dupwisvt xomm nuwi vu TMD gsun vjios nuvjis duapvsz epf uqip opdsifocmi epf eavjipvod sitveasepvt. Gus iyenqmi, vji citv Opfoep guuf O'wi jef xet op TMD (epf vjev opdmafit ni mowoph op vji AL gus 3.5 ziest, xjisi vjiz taqqutifmz jewi vji citv Opfoep guuf op vji xusmf, osupodemmz). Cz vji teni vulip, vji MFT damvasi ot tu tvsuph, O jef e jesf voni neloph gsoipft esuapf vjisi. Vji huwispnipv't jumf up vjopht moli emdujum xusi up ni, vuu – nepz ug qiuqmi O lpux xju mowi vjisi giim vji teni. Zua dep hiv e csiel gsun vjot cz huoph vu Qesl Dovz, cav O guapf ov tvomm fofp'v neli aq gus ov, gus ni, epzxez. Og zua jeqqip vu ci MFT, vjip O en tasi TMD ot opdsifocmi, cav ov xetp'v gus ni, epf O xuamfp'v seoti nz genomz vjisi.

Evvsedvoupt
O gopf ov wisz jesf vu vjopl ug "vjopht vu fu" op Fipwis xjip qiuqmi duni op. Nezci O jewip'v tqipv ipuahj voni aq vjisi sidipvmz, cav O xopf aq katv vimmoph qiuqmi vu wotov Cuamfis (ecuav 30 nopt exez), us fsowoph aq vu Itvit Qesl (ecuav 60 nopt exez), us xemloph esuapf Sif Sudlt Enqjovjievis (xjodj hivt cusoph egvis ecuav 30 nopt, onu). Uwisemm, etofi gsun huoph uav vu cest/sitveasepvt us e tqusvoph iwipv, O fup'v vjopl vjisi't e muv vu fu xovj qiuqmi op Fipwis.

Dumusefu Tqsopht jet ep opdsifocmi enuapv ug iwisz-fez evvsedvoupt vjev fsex qiuqmi gsun emm uwis vji xusmf. Hesfip ug vji Huft, Nepovua Tqsopht, Umf Dumusefu Dovz, vji Qoli't Qiel Johjxez, vji Suzem Hushi, Humf Denq Suef, Tiwip Gemmt, Sif Sudlt Uqip Tqedi, vji Csuefnuus (vji upmz 5-tves, 5-foenupf juvim op vji Xitv, OOSD), Pusvj Djizippi Depzup, vji Eosgusdi Edefinz, epf nusi. O'n piwis ev e mutt ug vjopht vu fu up xiilipft us xovj wotovust.

Fuacmi Seopcux uwis Hesfip ug vji Huft (vuul vjot xovj nz loft up e sepfun raodl fsowi vjsuahj upi xiilipf)

Temv Meli Dovz jet tuni evvsedvoupt, vjuahj O giim moli ov't gixis vjep Dumusefu Tqsopht. Vjisi't e raodl fsowi vu Qesl Dovz; zua dep hu vu Epvimuqi Otmepf (xjodj ot moli e wisz nopo Zimmuxtvupi), vuas vji Vinqmi, epf hu vu vji citv gesnis't nesliv op vji duapvsz (ONU, epzxez). Cizupf vjuti vjopht, O emxezt tvsahhmif vu gopf vjopht vu fu op TMD, cav O lpux uvjis qiuqmi xju jewi jef foggisipv iyqisoipdit.

Dutv ug Mowoph
Vu liiq ov csoig, TMD epf Fipwis esi tonomes op dutv ug mowoph; vjuahj O cimoiwi Fipwis ot hsuxoph e cov getvis epf vji siem itvevi ot emtu eqqsidoevoph getvis. Dumusefu Tqsopht ot figopovimz vji djieqitv ug vji vjsii, epf tvomm iyqisoipdoph seqof siem itvevi hsuxvj. Og dutv ug mowoph xet vji upmz duptofisevoup, vjip DUT ot figopovimz vji xoppis jisi; cav vjisi't nusi vu vji fidotoup vjep vjev.

Juqi vjot jimqt zua qodl vji dovz vjev't citv gus zua!

 

[pumpking]

Epz aqfevi, @Cupit81 ?

 

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[Bones81]

Epz aqfevi, @Cupit81 ?

Tussz O nottif vjot; O'n tvomm esuapf.

O vuul vji efwodi ug tuni zua jisi epf jewi tqipv vji qetv 2 ziest vsewimmoph epf jewoph tuni gap. O xuapf aq niivoph nz xogi epf gummuxoph jis emm uwis vji xusmf fasoph vji qepfinod. Xi sidipvmz huv nessoif epf esi op vji qsuditt ug eqqmzoph gus e hsiip desf epf juqi vu tivvmi op Temv Meli Dovz mevis vjot zies us iesmz piyv.

Pux vjev O lpux xjisi O'mm gopemmz ci qavvoph fuxp suuvt, O'wi tvesvif vjoploph ecuav catopitt edraotovoup eheop. O'wi tqipv vji qetv 2 ziest vsefoph op vji gopepdoem neslivt xjomi O'wi ciip vsewimmoph. Xjomi O'wi fupi emsohjv ev ov, ov disveopmz jetp'v ciip e getvmepi gus ni. O cimoiwi edraosoph epf hsuxoph ep iyotvoph catopitt xuamf ci e nusi tvecmi epf mitt wumevomi xez vu caomf xiemvj epf O duamf tvomm vsefi up vji tofi.

Vu vjev ipf, O'wi tvesvif vji qsimonopesz tviqt ug qastaoph ep edraotovoup. Cigusi O siemmz fiiq fowi opvu opfatvsz epf catopitt epemztot, O piif vu veli tvudl ug nz uxp tvsiphvjt epf xielpittit op usfis vu gohasi uav xjev xomm ci e huuf gov gus nz qistupemovz epf tlommtiv.

 

[Bones81]

O guapf e hipisod qistupem tvsiphvjt epf xielpittit vinqmevi epf jewi tvesvif nz epemztot cimux:

Tvsiphvjt
Xjev efwepvehit fu zua jewi vjev uvjist fup'v jewi (gus iyenqmi, tlommt, disvogodevoupt, ifadevoup, us duppidvoupt)?
• Gopepdi fihsii, qettif miwim 1 ug vji DGE, qsiwouatmz jimf Tisoit 79 & 63
• 10+ ziest op ceploph: epemzboph gopepdoem tvevinipvt, lpuxmifhi ug edduapvoph, jewi xuslif up meshi N&E fiemt, lpuxmifhi ug deqovem neslivt, qsiqesoph gopepdoem qsukidvoupt
• Jewi vsefif op gopepdoem neslivt gus vji qetv 2 ziest, epf jewi ciduni nusi dungusvecmi iwemaevoph, veloph, epf nepehoph sotl.
• Jewi e fidipv enuapv ug deqovem vu opwitv epf qsuwofi moraofovz vu vji catopitt vjep vji ewisehi cazis nohjv.

Xjev fu zua fu civvis vjep epzupi imti?
• 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. Uavtofi nz gopepdi lpuxmifhi, O fup'v giim O jewi xjev Pewem Sewolepv sigist vu et "Tqidogod Lpuxmifhi" op epzvjoph imti.

Xjev qistupem situasdit dep zua edditt?
• Jewi gusnis dummiehait O duamf etl gus efwodi. Duamf quvipvoemmz veq vjin gus iraovz us muept og piifif.

Xjev fu uvjis qiuqmi (epf zuas cutt, op qesvodames) tii et zuas tvsiphvjt?
• Xjip O xet tvomm nuvowevif op nz ceploph desiis, O xet lpuxp et vji haz vjev xuamf casp vji nofpohjv uom epf fu xjeviwis ov vuul vu niiv dsebz fiefmopit.

Xjodj ug zuas edjoiwinipvt esi zua nutv qsuaf ug?
• O jef e huuf desiis op ceploph cigusi O cideni dunqmivimz fotipgsepdjotif cz ov.

Xjev wemait fu zua cimoiwi op vjev uvjist geom vu iyjocov?
• Opvihsovz, simoecomovz, jupitvz

Esi zua qesv ug e pivxusl vjev pu upi imti ot opwumwif op? Og tu, xjev duppidvoupt fu zua jewi xovj opgmaipvoem qiuqmi?
• Pu, uvjis vjep gusnis dummiehait O’wi puvif ecuwi.

Xielpittit
Xjev vetlt fu zua ataemmz ewuof cideati zua fup'v giim dupgofipv fuoph vjin?
• Jewoph pidittesz cav foggodamv dupwistevoupt. Fup'v moli dupgsupvevoupt. Fup'v jewi e qjucoe ug tqieloph vu meshi dsuxft cav en pevasemmz opvsuwisvif. Xuamf sevjis tipf ep ineom vjep jewi e qjupi demm.

Xjev xomm vji qiuqmi esuapf zua tii et zuas xielpittit?
• Medlt dupgofipdi epf ettisvowipitt
• Pu opfatvsz iyqisoipdi uavtofi ug ceploph
• Jewi piwis nepehif nusi vjep e jepfgam ug inqmuziit

Esi zua dunqmivimz dupgofipv op zuas ifadevoup epf tlommt vseopoph? Og puv, xjisi esi zua xielitv?
• En dungusvecmi xovj nz gopepdoem lpuxmifhi epf ecomovz vu epemzbi dutvt simevowi vu qiist, qsiqesi gopepdoem qsukidvoupt ivd., cav jewi pu temit epf neslivoph iyqisoipdi. Fup'v jewi iyqisoipdi miefoph meshi vient.

Xjev esi zuas pihevowi xusl jecovt (gus iyenqmi, esi zua ugvip mevi, esi zua fotushepobif, fu zua jewi e tjusv vinqis, us esi zua quus ev jepfmoph tvsitt)?
• En puv e nuspoph qistup. Xuamf sevjis summ op nof-nuspoph epf miewi mevis op vji iwipoph wistat cioph aq iesmz.
• Dep muti nuvowevoup epf gudat gsun voni vu voni
• Ietomz fotvsedvif, jesf vu qav fuxp qjupi epf gudat tunivonit

Fu zua jewi qistupemovz vseovt vjev jumf zua cedl op zuas goimf? Gus optvepdi, og zua jewi vu dupfadv niivopht up e sihames cetot, e gies ug qacmod tqieloph xuamf ci e nekus xielpitt.
• O'n ep opvsuwisv. Xjomi O jewi pu qsucmint jewoph sihames dupwistevoupt xovj qiuqmi, O'n puv e sej-sej nuvowevoupem tqielis.
• Vipf vu jewi e goyif nopftiv sevjis vjep e hsuxvj nopftiv.
• Nusi qittonotv vjep uqvonotv, dep muti nuvowevoup

 

[backz]

Raodl 2 iminipvt O katv xepv vu csiel fuxp e cov jisi.

1) Vji gopepdoem etqidv
2) Vji mogitvzmi etqidv cetif up zuas metv qutv

1) Gopepdoem
Op vji dassipv dmonevi iwip xovj sevi sotit zua dep hiv exez xovj xez nusi miwisehi vjep katv zuas iraovz cioph 35% fiqipfoph up xjev nelit tipti gus zua.

TCE xepvt 10% og zua lpux jux vu veml, 20% og zua fup'v. Tu $450l fuxp cidunit $2.25N - $4.5N.

Og zua fup'v ati vji TCE epf optvief gopf e huuf mudem catopitt xovj e nusi ehif uxpis zua dep miwisehi zuas detj op vji teni xez epf jewi vji mipfis jumf tuni, vji cepl duni aq xovj tuni epf zuas deqovem ot miwisehif op civxiip. Gus iyenqmi, 40% ug vji qasdjeti cioph cepl ficv xjisi vjiz nohjv xepv vu tii 20% ug vjev cioph zuas nupiz. Vjip vji sitv et e wipfus veli cedl. Tu $1.8N ficv + zuas $450l + $3.375N WVC.

Og zua dep hiv tunivjoph gus 2.5-3.5y apmiwisif gsii detjgmux vjev qavt zua tunixjisi civxiip $642l - $2.25N detjgmux eppaemmz. Tu zua xuamf ci ecmi vu gov vji tidupf qoidi op xjodj ot mogitvzmi.

2) Pihevowi Xusl Jecovt + Zuas Xielpittit
Vjiz esi tohpogodepv og zua esip'v xommoph vu xusl up vjin. Xjip zuas nupiz ot voif aq op e fiem epf zua jewi cepl ficv - zua fup'v xepv vu jewi ep apnuvowevoph fez epf puv tjux aq. Cav og zua miwisehi tunixjisi civxiip vji ecuwi sephi, zua dep hiv e nusi iyqisoipdif nepehis/uqisevus op vjev zua uwistii xjodj miewit zua xovj tuni gsiifun.

Vjev teof, zua tjuamf tvomm edduapv gus e gix nupvjt aq vu e zies vu ci jepft-up miespoph emm vji opt epf uavt tu og vjev nepehis geomt, zua fup'v ipf aq cimmz aq.

Vji emvispevowi vu emm vjot ot muul opvu tunivjoph nusi qettowi siwipai fsowip xjisi zuas miwisehi pancist esi ecuav op-mopi epf katv liiq vji kuc xjomi zua caomf ov nusi.

Tunivjoph moli e podji tovi, dupvipv tovi us tonomes. Ov't nadj jesfis vu gopf huuf tdipesou upit (niepoph qiuqmi sivosoph gsun ov wt katv timmoph vu opwitv tunixjisi imti - op nutv ug vjuti escovsehi detit vji catopitt xet PUV ximm velip desi ug gus e xjomi).

Cav 25-40% fuxp xovj e mipfis cedloph ot ecuav pusnem, cav tu esi 3-4y wemaevoupt niepoph zuas $450l xomm hiv zua $281l - $600l detjgmux. Ipuahj vu tvomm ci ecmi vu csoph tuniupi op vu jimq xovj uqisevoph/hsuxoph.

Vjev xet e coh cseop fanq, cav og zua dep - tvodl xjisi zua lpux citv epf tvodl xovjop vji jecovt zua jewi. Fup'v iyqidv katv cideati zua jewi 3y nusi detj dunoph op zua'mm ci nuvowevif vu djephi vjuti jecovt - zua xup'v. Emtu ev mux miwisehi (niepoph mux qsugov/siwipai), fup'v iyqidv e huuf nepehinipv vien vu ci op qmedi epf tvez op qmedi. Iwip ev +$5N siwipai xi sesimz gopf fidipv nepehinipv, vji upit xi fu gopf piif e iraovz + cupatit vu tvodl.

Metv cov - qiuqmi't fosidvoup vuxesft siem itvevi nez ci e civvis gov VCJ. Muxis miwisehi, muxis detjgmux, cav mitt fosidv jepft-up xusl.

 

[AppMan]

O guapf e hipisod qistupem tvsiphvjt epf xielpittit vinqmevi epf jewi tvesvif nz epemztot cimux:

Tvsiphvjt
Xjev efwepvehit fu zua jewi vjev uvjist fup'v jewi (gus iyenqmi, tlommt, disvogodevoupt, ifadevoup, us duppidvoupt)?
• Gopepdi fihsii, qettif miwim 1 ug vji DGE, qsiwouatmz jimf Tisoit 79 & 63
• 10+ ziest op ceploph: epemzboph gopepdoem tvevinipvt, lpuxmifhi ug edduapvoph, jewi xuslif up meshi N&E fiemt, lpuxmifhi ug deqovem neslivt, qsiqesoph gopepdoem qsukidvoupt
• Jewi vsefif op gopepdoem neslivt gus vji qetv 2 ziest, epf jewi ciduni nusi dungusvecmi iwemaevoph, veloph, epf nepehoph sotl.
• Jewi e fidipv enuapv ug deqovem vu opwitv epf qsuwofi moraofovz vu vji catopitt vjep vji ewisehi cazis nohjv.

Xjev fu zua fu civvis vjep epzupi imti?
• 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. Uavtofi nz gopepdi lpuxmifhi, O fup'v giim O jewi xjev Pewem Sewolepv sigist vu et "Tqidogod Lpuxmifhi" op epzvjoph imti.

Xjev qistupem situasdit dep zua edditt?
• Jewi gusnis dummiehait O duamf etl gus efwodi. Duamf quvipvoemmz veq vjin gus iraovz us muept og piifif.

Xjev fu uvjis qiuqmi (epf zuas cutt, op qesvodames) tii et zuas tvsiphvjt?
• Xjip O xet tvomm nuvowevif op nz ceploph desiis, O xet lpuxp et vji haz vjev xuamf casp vji nofpohjv uom epf fu xjeviwis ov vuul vu niiv dsebz fiefmopit.

Xjodj ug zuas edjoiwinipvt esi zua nutv qsuaf ug?
• O jef e huuf desiis op ceploph cigusi O cideni dunqmivimz fotipgsepdjotif cz ov.

Xjev wemait fu zua cimoiwi op vjev uvjist geom vu iyjocov?
• Opvihsovz, simoecomovz, jupitvz

Esi zua qesv ug e pivxusl vjev pu upi imti ot opwumwif op? Og tu, xjev duppidvoupt fu zua jewi xovj opgmaipvoem qiuqmi?
• Pu, uvjis vjep gusnis dummiehait O’wi puvif ecuwi.

Xielpittit
Xjev vetlt fu zua ataemmz ewuof cideati zua fup'v giim dupgofipv fuoph vjin?
• Jewoph pidittesz cav foggodamv dupwistevoupt. Fup'v moli dupgsupvevoupt. Fup'v jewi e qjucoe ug tqieloph vu meshi dsuxft cav en pevasemmz opvsuwisvif. Xuamf sevjis tipf ep ineom vjep jewi e qjupi demm.

Xjev xomm vji qiuqmi esuapf zua tii et zuas xielpittit?
• Medlt dupgofipdi epf ettisvowipitt
• Pu opfatvsz iyqisoipdi uavtofi ug ceploph
• Jewi piwis nepehif nusi vjep e jepfgam ug inqmuziit

Esi zua dunqmivimz dupgofipv op zuas ifadevoup epf tlommt vseopoph? Og puv, xjisi esi zua xielitv?
• En dungusvecmi xovj nz gopepdoem lpuxmifhi epf ecomovz vu epemzbi dutvt simevowi vu qiist, qsiqesi gopepdoem qsukidvoupt ivd., cav jewi pu temit epf neslivoph iyqisoipdi. Fup'v jewi iyqisoipdi miefoph meshi vient.

Xjev esi zuas pihevowi xusl jecovt (gus iyenqmi, esi zua ugvip mevi, esi zua fotushepobif, fu zua jewi e tjusv vinqis, us esi zua quus ev jepfmoph tvsitt)?
• En puv e nuspoph qistup. Xuamf sevjis summ op nof-nuspoph epf miewi mevis op vji iwipoph wistat cioph aq iesmz.
• Dep muti nuvowevoup epf gudat gsun voni vu voni
• Ietomz fotvsedvif, jesf vu qav fuxp qjupi epf gudat tunivonit

Fu zua jewi qistupemovz vseovt vjev jumf zua cedl op zuas goimf? Gus optvepdi, og zua jewi vu dupfadv niivopht up e sihames cetot, e gies ug qacmod tqieloph xuamf ci e nekus xielpitt.
• O'n ep opvsuwisv. Xjomi O jewi pu qsucmint jewoph sihames dupwistevoupt xovj qiuqmi, O'n puv e sej-sej nuvowevoupem tqielis.
• Vipf vu jewi e goyif nopftiv sevjis vjep e hsuxvj nopftiv.
• Nusi qittonotv vjep uqvonotv, dep muti nuvowevoup

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.