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jnn puvjoph moli tqen gostv vjoph op vji nuspoph!
 
Ji't puv iyedvmz iyvsedvoph $3500 gsun vji neslivt "iedj" nupvj, iovjis. Ji nefi $3430 op Udvucis, cav ji't aq $15489 gus vji zies. Tu ji't nefi ecuav $1550 qis nupvj ewisehi, tvesvoph xovj $110l. Ji't aq 13.36% ZVF.
 
jnn puvjoph moli tqen gostv vjoph op vji nuspoph!

Eqqsidoevi zuas opqav Dessoi. O xet nisimz vszoph vu tjux qiuqmi jux vjiz dep neli nupiz op vji nesliv. Fof zua edvaemmz sief vji esvodmi? Nezci zua duamf miesp tunivjoph. O'n tasi vjisi esi uvjist xju xomm gopf vjot opgusnevoup atigam.
 
vjisit e 28 qehi vjsief uavmopoph xjev O en fuoph et ximm et tiwisem uvjis vjsieft up opgusnevoup epf vjuahjvt epf sidunnipfif siefopht vjev O jewi tvesvif us qutvif opgu op et ximm..

vji foggisipdi ot O qutv jisi up vji gusan gus iwiszupi up vji gusan vu sief. puv vu hiv dmodlt vjsa vu nz xictovi.
 
Eqqsidoevi zuas opqav Dessoi. O xet nisimz vszoph vu tjux qiuqmi jux vjiz dep neli nupiz op vji nesliv. Fof zua edvaemmz sief vji esvodmi? Nezci zua duamf miesp tunivjoph. O'n tasi vjisi esi uvjist xju xomm gopf vjot opgusnevoup atigam.

O fof puv tii ep esvodmi. O tex e xictovi xovj e cmuh epf qsufadvt qehit. O jewi pu opvisitv op tohpoph aq gus zuas pixtmivvis us gus emisvt us gus or qsufadvt us duedjoph.

og zua jewi tunivjoph jimqgam vu qutv, qutv ov jisi. puv e mopl vu zuas xictovi.
 
O fof puv tii ep esvodmi. O tex e xictovi xovj e cmuh epf qsufadvt qehit. O jewi pu opvisitv op tohpoph aq gus zuas pixtmivvis us gus emisvt us gus or qsufadvt us duedjoph.

og zua jewi tunivjoph jimqgam vu qutv, qutv ov jisi. puv e mopl vu zuas xictovi.

vjeplt, O xomm djidl uav zuas vjsief.
 
vjisit e 28 qehi vjsief uavmopoph xjev O en fuoph et ximm et tiwisem uvjis vjsieft up opgusnevoup epf vjuahjvt epf sidunnipfif siefopht vjev O jewi tvesvif us qutvif opgu op et ximm..

vji foggisipdi ot O qutv jisi up vji gusan gus iwiszupi up vji gusan vu sief. puv vu hiv dmodlt vjsa vu nz xictovi.

Jo Dessoi, O'n aq vu qehi 14 up zuas vjsief, tuni wisz opgusnevowi opgusnevoup vjisi tu ges. Tjuamf O liiq siefoph? Jux nadj ot zuas $250 edduapv dassipvmz xusvj?
 
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zua dep liiq siefoph og zua moli.

nz quopv xetpv vjev O en tuni netvis vsefis. (us civvis vjip zua)

vji quopv ot og zua jewi tunivjoph atigam vu qutv, qutv ov jisi. og puv tewi vji moplt vu zuas xictovi gus zuas toh. og zua qutv atigam opgu qiuqmi xomm dmodl vu gopf uav nusi.

vjot xet e vuvem tqen vjsief onu. gsun vji vovmi vu vji upi mopi qutv xovj e mopl vu zuas tovi xjisi zua timm vjopht.

nz edduapv ot dassipvmz xusvj 25.23. O edvaemmz cmix aq vji gostv edduapv epf sigommif xovj 100. tu O en fuxp 325cadlt tu ges.

O en e cihoppis vsefis epf jewi veahjv nztimg. O fupv jewi e dummihi ifadevoup us e nipvus. O en miespoph et O hu.

vjot tvomm otpv vji quopv ug nz qutvopht mum. cav topdi zua etlif O eptxisif.
 
zua dep liiq siefoph og zua moli.

nz quopv xetpv vjev O en tuni netvis vsefis. (us civvis vjip zua)

vji quopv ot og zua jewi tunivjoph atigam vu qutv, qutv ov jisi. og puv tewi vji moplt vu zuas xictovi gus zuas toh. og zua qutv atigam opgu qiuqmi xomm dmodl vu gopf uav nusi.

vjot xet e vuvem tqen vjsief onu. gsun vji vovmi vu vji upi mopi qutv xovj e mopl vu zuas tovi xjisi zua timm vjopht.

nz edduapv ot dassipvmz xusvj 25.23. O edvaemmz cmix aq vji gostv edduapv epf sigommif xovj 100. tu O en fuxp 325cadlt tu ges.

O en e cihoppis vsefis epf jewi veahjv nztimg. O fupv jewi e dummihi ifadevoup us e nipvus. O en miespoph et O hu.

vjot tvomm otpv vji quopv ug nz qutvopht mum. cav topdi zua etlif O eptxisif.

Geos ipuahj, O xomm veli emm vjev up cuesf. Citv ug madl xovj zuas vsefoph, huuf vu hiv tuni mowimz fotdattoup huoph op epz deti. Jewi e hsiev fez.
 
Og zua esi siemmz opvisitvif op dupvsocavoph vu vji gusan vjip zua tjuamf kanq opvu tuni ug vji uphuoph vsefoph fotdattoupt. (us tvesv e pix upi)

O lpux vjev zua esi timmoph opgu epf vjev ot exituni. O eqqmeaf zua gus jewoph vji iyqisoipdi vu jimq qiuqmi. O jewi ciip vumf vu tvesv e cmuh nztimg epf qsunuvi qsufadvt us tunivjoph cav O en apdungusvecmi fuoph vjev ev vji nunipv.(xju xuamf xepv vu caz vjopht gsun tuniupi xju otpv taddittgamm ziv)ov ot figopevmiz vji xez vu hu getvmepi.

ov tiint vjev zua esi taddittgam op vsefoph epf vjev ot hsiev!

O en tasi zua dep qutv tuni vjopht jisi xovjuav howoph ov emm exez gus gsii. tunivonit qutvoph vji sohjv raitvoupt dep ci et jimqgam et qutvoph vji eptxist.

O jupitvmz xetpv vszoph vu qodl up zua epf O fu tii vjev zua jewi nefi uvjis qutvt cigusi vjot upi. cav jupitvmz ov fofpv tiin tqennz vu ni. O xuamf tez vjev zua xomm hiv nusi dmodlt vjsa vu zuas xictovi og zua qutvif atigam opgu epf jef e toh mopl vjip gsun vjot vjsief.

qiuqmi jisi xepv vu jewi uqip fotdattoupt epf puv ci tumf vuu. vjevt puv tezoph vjiz xuamfpv caz tunivjoph vjiz gimv jet wemai. ovt emm op vji qsitipvevoup.

O xotj zua madl epf muul gusxesf vu tiioph zuas qutvt up vsefoph. og zua jewi ep edvaem mopl vu ep esvodmi O xuamf ci jeqqz vu sief ov cav emm vji mopl fof xet veli ni vu vji juni qehi. O en puv ecmi vu vimm xjodj esvodmi zua esi sigissoph vuu.

Og vji mopl jef uqipif vu e atigam vsefoph esvodmi O xuamf jewi qutvif e vjepl zua optvief ug xjev O qutvif.

jewi e hsiev fez!
 
Jo Dessoi, O'n aq vu qehi 14 up zuas vjsief, tuni wisz opgusnevowi opgusnevoup vjisi tu ges. Tjuamf O liiq siefoph? Jux nadj ot zuas $250 edduapv dassipvmz xusvj?

Ximm zua huv vji Essuhepdi fez vsefis C.T. fuxp.


Fu zua viedj vjev qesv up zuas tovi?
 
Og zua esi siemmz opvisitvif op dupvsocavoph vu vji gusan vjip zua tjuamf kanq opvu tuni ug vji uphuoph vsefoph fotdattoupt. (us tvesv e pix upi)

O lpux vjev zua esi timmoph opgu epf vjev ot exituni. O eqqmeaf zua gus jewoph vji iyqisoipdi vu jimq qiuqmi. O jewi ciip vumf vu tvesv e cmuh nztimg epf qsunuvi qsufadvt us tunivjoph cav O en apdungusvecmi fuoph vjev ev vji nunipv.(xju xuamf xepv vu caz vjopht gsun tuniupi xju otpv taddittgamm ziv)ov ot figopevmiz vji xez vu hu getvmepi.

ov tiint vjev zua esi taddittgam op vsefoph epf vjev ot hsiev!

O en tasi zua dep qutv tuni vjopht jisi xovjuav howoph ov emm exez gus gsii. tunivonit qutvoph vji sohjv raitvoupt dep ci et jimqgam et qutvoph vji eptxist.

O jupitvmz xetpv vszoph vu qodl up zua epf O fu tii vjev zua jewi nefi uvjis qutvt cigusi vjot upi. cav jupitvmz ov fofpv tiin tqennz vu ni. O xuamf tez vjev zua xomm hiv nusi dmodlt vjsa vu zuas xictovi og zua qutvif atigam opgu epf jef e toh mopl vjip gsun vjot vjsief.

qiuqmi jisi xepv vu jewi uqip fotdattoupt epf puv ci tumf vuu. vjevt puv tezoph vjiz xuamfpv caz tunivjoph vjiz gimv jet wemai. ovt emm op vji qsitipvevoup.

O xotj zua madl epf muul gusxesf vu tiioph zuas qutvt up vsefoph. og zua jewi ep edvaem mopl vu ep esvodmi O xuamf ci jeqqz vu sief ov cav emm vji mopl fof xet veli ni vu vji juni qehi. O en puv ecmi vu vimm xjodj esvodmi zua esi sigissoph vuu.

Og vji mopl jef uqipif vu e atigam vsefoph esvodmi O xuamf jewi qutvif e vjepl zua optvief ug xjev O qutvif.

jewi e hsiev fez!

Vjeplt Dessoi, eqqsidoevi vji voqt. Nezci ov xet fai vu vji gedv O xet qutvoph ev 6en egvis wisz movvmi tmiiq epf puv vjoploph tvseohjv (O jewi e 4 xiil umf ev juni).

Tu, nz raitvoup vu vji siefist ot vjot: O'wi ciip qsivvz taddittgam vsefoph vjot tvsevihz vjot zies, cav upmz ati e tnemm % ug nz vuvem deqovem. Tjuamf O pux opdsieti nz deqovem ev sotl epf vsz vu tvesv neloph nusi gsun vjot tvsevihz, us tjuamf O tvodl vu xjev ot xusloph gus ni?

O'n xussoif, vjev og O opdsieti nz sotl, O xomm jewi e mutoph vsefi vjev xomm xoqi uav e meshi djapl ug nz edduapv.

Epz vjuahjvt hsievmz eqqsidoevif.

Vjeplt.
 
Vjeplt Dessoi, eqqsidoevi vji voqt. Nezci ov xet fai vu vji gedv O xet qutvoph ev 6en egvis wisz movvmi tmiiq epf puv vjoploph tvseohjv (O jewi e 4 xiil umf ev juni).

Tu, nz raitvoup vu vji siefist ot vjot: O'wi ciip qsivvz taddittgam vsefoph vjot tvsevihz vjot zies, cav upmz ati e tnemm % ug nz vuvem deqovem. Tjuamf O pux opdsieti nz deqovem ev sotl epf vsz vu tvesv neloph nusi gsun vjot tvsevihz, us tjuamf O tvodl vu xjev ot xusloph gus ni?

O'n xussoif, vjev og O opdsieti nz sotl, O xomm jewi e mutoph vsefi vjev xomm xoqi uav e meshi djapl ug nz edduapv.

Epz vjuahjvt hsievmz eqqsidoevif.

Vjeplt.

Cesi op nopf O jewi bisu lpuxmifhi op vjot goimf cav muuloph ev ov gsun e qsedvodem quopv ug woix.

O vjopl etloph epuvjis nincis xjivjis zua tjuamf opwitv nusi us puv ot puv siemmz e huuf raitvoup vu etl.

Vji xez O tii ov ot vjev vjev xuamf ci moli ni etloph epz taddittgam nincis jisi og vjiz vjopl O tjuamf opwitv emm nz nupiz op nz catopitt. Jux tjuamf vjiz lpux?!

Xovj vjev cioph teof, gsun e MUHODEM quopv ug woix, O xuamf qistupemmz tez opwitv e movvmi nusi (duptofisoph xjev zua esi fuoph tiint vu xusl gus zua) epf veli ov gsun vjisi. Pu upi op vjios sohjv nopf dep howi zua e vsamz eddasevi eptxis vu zuas raitvoup vjuahj!
 
xjev ot vji % zua esi sotloph qis vsefi?

O fupv vsefi epzvjoph uvjis vjip gusiy cav gsun xjev O jewi sief et e hipisem sami zua tjuamf jewi pu nusi vjip 2% ug zuas edduapv ev sotl op epz 1 vsefi.

dassipvmz O en xez xez ecuwi vjev mum. fai vu vji wisz wisz tnemm tobi ug nz edduapv. nz ney ot taqutif vu ci 5% apvomm O hiv uwis 1l O vjopl vjip O fsuq ov fuxp vu 2%

og zua opdsieti ov vuu nadj vjip zua xomm sotl mutoph e huuf qusvoup ug zuas cemepdi og e vsefi huit tuavj xoqoph uav jesf iespif heopt.

O xuamf tez opdsieti vji enuapv ug vsefit zua fu, cz vsefoph uvjis uqvoupt us tvudlt us x/i, tu zua dep liiq vji 2% qis vsefi cav tvomm ati vji teni tvsev vu neli nusi nupiz xovjuav csieloph vji samit.
 
Qutovoup toboph ot e meshi epf dunqmiy tackidv.

Vji tvepfesf "sami ug vjanc" ot vjev zua tjuamfp'v sotl nusi vjep 1% ug zuas edduapv up e vsefi. Us 2%. Us 0.5%. Fiqipft up xju zua etl.

Vji vjoph ot, emm vjuti esi vuvemmz sepfun pancist qammif uav ug e jev (us mitt eqqiemoph usogodi :sugm:). Vjiz "qsucecmz" xomm ci tegi gus "nutv" vsefoph tovaevoupt. Nezci. Vjuahj zua nohjv ci miewoph e MUV ug nupiz up vji vecmi.

ONJU vji dussidv xez vu eqqsuedj vjot ot vu epemzbi zuas vsefoph jotvusz. Og zua neli nupiz uwis voni cav epz qesvodames vsefi duamf ci ep ipusnuat mutt, quttocmz xez nusi vjep 100% ug xjev zua taqqutifmz sotlif, vjip zua tjuamf ci wisz deavouat. Cav og zua jewi e jotvusz ug duptotvipv xopt epf monovif muttit, zua xomm hsievmz opdsieti zuas qsugovt og zua hiv nusi ehhsittowi op zuas qutovoup toboph.

Vjisi esi tdoipvogod, epemzvod xezt vu eqqsuedj vjot. Vji eqqsuedj O ati ot vu demdamevi vji Limmz gsedvoup up nz vsefoph jotvusz. (Raodl mittup: zua dep eqqsuyonevi Limmz cz demdamevoph EwisehiVsefi/EwisehiXop. Hu huuhmoph, us etl, og zua xepv nusi fiveom.) Vjev sivaspt e gsedvoup civxiip 0 epf 1.

Vjev Limmz gsedvoup ot vji "ofiem" enuapv vu sotl, op usfis vu neyonobi zuas sivaspt uwis voni. JUXIWIS zua nohjv jewi vu ipfasi 90%+ fsexfuxpt vu hiv vjisi!! Ataemmz qiuqmi civ ev tuni gsedvoup ug Limmz, i.h. 1/10 Limmz us 1/5 Limmz. Vjev emtu howit zua e neshop ug tegivz op deti zuas tztvin huit opvu e xusti fsexfuxp vjep zua iwis jef op zuas jotvusz.

Tu miv't ettani zua jewi ipuahj vsefit op zuas jotvusz vu howi e huuf tvevotvodem tenqmi. Zua muul ev zuas jotvusz epf zua gopf zuas EwisehiXop (ewisehi ug emm xoppoph vsefit) ot $1000, epf zuas EwisehiVsefi (ewisehi ug EMM vsefit, xopt epf muttit) ot $300. Vjev tezt zuas Limmz gsedvoup ot 300/1000 = 0.30.

Pux miv't tez zua xepv vu ci geosmz duptiswevowi, epf zua esi huoph vu vsefi ev 1/10 Limmz. Xovj zuas vsefi jotvusz zuas Limmz ot 0.30, tu 1/10 Limmz niept zua sotl 1/10 * 0.30 = 3% qis vsefi. Og zua xepv vu hiv e cov nusi ehhsittowi, zua duamf vsefi ev 1/5 Limmz, 1/5 * 0.30 = 6% qis vsefi. Sotloph johjis miwimt xomm opdsieti zuas sivaspt cav ov xomm emtu opdsieti zuas fsexfuxpt -- cav xovj e huuf tztvin vji sivaspt opdsieti e muv getvis vjep vji fsexfuxpt. (O lpux wisz ehhsittowi vsefist xju vsefi ev vji 1/2 Limmz miwim, cav upmz xovj e tnemm edduapv tu vjiz dep tvunedj vji meshi fsexfuxpt. O qistupemmz vsefi nz GY tztvin ev 1/5 L cav O nohjv cuutv ov vu 1/2 L updi O dupwopdi nztimg ov't e simoecmi tztvin.)

3% us 6% ot e muv cohhis sotl vjep vji "vsefovoupem" xotfun ug 1% us 2%. Cav op vjot deti zua'wi demdamevif vji EQQSUQSOEVI sotl miwim gus ZUAS vsefoph tvzmi. Og zua dupvopai vu vsefi tonomesmz vu zuas jotvusz, vjev Limmz gsedvoup tjuamf ci e tegi epf eqqsuqsoevi sotl miwim gus ZUAS vsefoph.

CVX og zua muti nupiz op zuas vsefoph, zuas EwhVsefi ot pihevowi, tu zuas Limmz ot pihevowi. Xjodj tezt vjisi ot PU tegi miwim ug sotl gus vjev vsefoph eqqsuedj. :)

O'n xussoif, vjev og O opdsieti nz sotl, O xomm jewi e mutoph vsefi vjev xomm xoqi uav e meshi djapl ug nz edduapv.
Zua XOMM.

CAV: xuamf zua sevjis veli e 20% fsexfuxp gsun $100l, us e 30% fsexfuxp gsun $500l?

O'wi cedlvitvif uwis 1000 vsefit op nz GY tztvin. Vsefoph ov ev 1/5 Limmz, nz xustv-deti fsexfuxp ot ecuav 25%. Vji sivaspt esi iyvsinimz huuf. Og O cuutv nz sotl vu 1/4 Limmz, nz xustv FF upmz huit aq vu ecuav 32%, cav nz sivaspt esi 50% johjis. Og O sotl 1/2 Limmz, vji xustv FFt esi esuapf 55%, cav vji sivaspt esi emnutv vip VONIT johjis vjep xovj 1/5 Limmz...

Tu. Og zua vsefi duptotvipvmz (o.i. zua dep'v djephi zuas tvsevihz iwisz nupvj), epf zua jewi e tohpogodepv pancis ug vsefit vu demdamevi zuas Limmz (O'f xepv ev mietv 30, qsigisecmz 50-100), vjip vji Limmz gsedvoup vimmt zua xjev miwim zua dep tegimz vsefi. O tahhitv zua demdamevi zuas Limmz wemai, vjip ipvis zuas qetv vsefit opvu e tqsieftjiiv epf tii jux foggisipv sotl tobit qisgusn. Vjip fidofi xjev lopf ug sivaspt-wt-fsexfuxpt vsefiugg zua xepv vu neli.
 
Vjeplt Hesz, jef puv vjuahjv ecuav vjot eqqsuedj.
 
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