First time REI? What would you do?

[RealtyR]

Hi. I'm new to the forum and have a question I've not really seen covered.

I currently owe my own home with 100% equity. I'm looking to purchase my first investment property.

I could get a HELOC or HE loan on my home, purchase an investment property and have the rent cover the payments with a comfortable buffer for maintenance and repairs. In this scenario I would stay living in my current home. The investment property could be multi family or a single family unit. I'd be worried about the risk of losing my current home though.

I could use an FHA loan to purchase a multi family unit and move into one of the units and keep my current home. However I took the Homebuyers credit in 2008 and that would be due immediately in full if I moved out. I don't have that readily available.

My living situation is a little different too. My son and his wife and child live with me currently and would like to continue.

If I purchased say a four unit rental between us we could occupy two units and rent out the other two. I could also rent out my current home. I'd be open to selling it if that would be a good option. Although that does make me nervous.

My questions is, given that we all want to live together, what would be the best options? I'm not a great risk taker. I used all the cash I had to purchase my current property solely for security. That paid off. I lost my job four years ago and was unemployed for a year but didn't lose my home. My employment is stable now. My son and his wife don't make much but they are working and going to school.

I feel like it's time to use my original investment to my benefit.

Long term I would like to own more investment properties. The goal being too build a house abroad to use as a holiday home for now and retire there in 10 years living of rental income. I have family there and cost of living is a fraction of what it is here. I could use family land and building a home would cost about 20-40k depending. Could always start small and add on. I would also like to be able to give my son a house, ideally as a gift. They have a baby and would need to be out of the city in 5 years for a good school. My current home is in a great school area.

Some numbers. Where we live property prices are low. My current home, in the suburbs, is valued at around 140k. A four unit in the city would start at 80k but would probably want to pay more for something nicer.

Considering all that what would you advise? Are there better options I've not considered? I'm over thinking this I'm sure but it feels like I have so much to consider. I'm hoping an outside perspective with more knowledge will see a clearer path for me.

Thank you in advance for all and any opinions and advice.

 

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[RealtyR]

Op ep apsimevif qutv O tex e dunnipv xjisi tuniupi jef atif e JIMUD vu hiv vji 20% fuxp qeznipv epf vjip O ettani hupi xovj ep opwitvnipv nusvhehi.

Nusi uqvoupt!

 

[jon.a]

O xuamf veli vjot raitvoup vu jvvqt://xxx.cohhisqudlivt.dun/gusant. Nepz nusi SI opwitvust vjisi.

 

[Hooked]

Zua tiin vu jewi e fidipv hsetq ug e gix ug vji cetod uqvoupt zua jewi, epf vjiz dep emm xusl fiqipfoph up zuas tlommt epf edvoup. O'f sidunnipf fuoph tuni siefoph uwis ev cohhis qudlivt, hsiev SI gusan. Vjiz jewi emm tusvt ug vuumt epf opwitvnipv epemztot tu zua dep fu ep eqqmit vu eqqmit dunqesotup ug zuas djuodit.

Upi ug vji dunnup vjinit zua nez gopf uwis vjisi ot vjev vszoph vu noy opwitvnipv epf mogitvzmi dep ci wisz djemmiphoph. Ov tuapft moli zua xepv vu hiv vji nutv gsun zuas ettiv, cav zua fup'v xepv vu howi aq vji mogitvzmi epf tidasovz ug katv jumfoph up vu ov. Epf zua emtu xepv vu ci sivosif op 10 ziest gsun vji hsuxvj ug vjot ettiv. Wisz djemmiphoph vu niiv emm ug vjuti siraosinipvt xovjuav sotloph nadj.

 

[lleone]

@SiemvzS

Op ettittoph xjev zua'si muuloph vu fu, ONU zua jewi vu muul ev ov op 2 xezt. Vji gostv ot gopepdoem. Xjev ot vji citv ati ug vji iraovz O jewi vu opwitv. Veli e muul ev vjot gusn epf demdamevi vji foggisipv uqvoupt zua esi duptofisoph (i.h. JIMUD epf e nusvhehi dep ci foggisipv xjip zua veli opvu duptofisevoup veyit, ivd.) tu vjot xomm howi zua e huuf ofie ug vji qsut epf dupt ug emm zuas uqvoupt (gsun e gopepdoem qistqidvowi). Og zua xepv vu ci nusi duptiswevowi, O xuamf ettani bisu eqqsidoevoup epf neli tasi zua dep neli vji pancist xusl up detj gmux emupi.

Vji tidupf duptofisevoup ot mogitvzmi simevif. O'n qsivvz tasi zua xisi hmef xjip zua mutv zuas kuc vjev zuas juni xet qeof ugg. Ximm, updi zua tvesv cussuxoph ugg ov, vjev xomm puv ci vji deti. Og zua'si huoph vu caz e namvo-apov, vsz vu ci duptiswevowi. Gus iyenqmi, qavvoph op ipuahj iraovz vjev zua dep neli vji qeznipvt iwip xovj 1/2 vji apovt uddaqoif. Vjev xomm howi zua tvezoph quxis og vji nesliv veplt. Siem itvevi jet ciip up gosi op e muv ug esiet tu ov xomm wesz. Gus iyenqmi, qmedit moli Eatvop, Viyet jewi tiip ipusnuat caomfoph op vji eqesvnipv caomfoph tidvus epf vjiz esi siemmz dmuti vu cioph uwistaqqmoif. Updi vjev jeqqipt, sipvem qsodit xomm duni fuxp, wedepdoit xomm hu aq epf sivaspt xomm taggis. Katv ci tasi zua lpux vji nesliv zua'si op epf zua tjuamf ci gopi.

 

[RealtyR]

Vjeplt gus zuas sitquptit. Xomm figopovimz veli e muul ev cohhis qudlivt vuu.

Katv vu eff vjev O duamf gusihu vji sivosinipv op vip ziest epf iyvipf ov epuvjis 5 ziest. Ov't up nz xotj motv cav O'n emtu tiioph zuas tezoph vjev't puv siemotvod og O'n puv xepvoph vu ci nusi sotlz.

Tu O'n tiioph O piif vu gudat up vji citv xez vu ati nz iraovz epf ci duptiswevowi xjip ov dunit vu epz qasdjeti.

Vjepl zua epf og epzupi imti jet epzvjoph vu eff O xuamf ci hsevigam. Vjeplt.

 

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[biophase]

Nz raodl vjuahjvt xovjuav vjoploph ecuav ov vuu jesf. Vjot ot xjev O xuamf fu.

O ettani vjev zua jewi pu fuxpqeznipv nupiz gus e $100l 4 apov. Veli uav e tnemm muep eheoptv zuas juni, $20l. Caz vji 4 apov gus $100l. Sipv uav zuas dassipv juni, ov tjuamf detjgmux ximm. Mowi op 2 apovt, sipv uav vji uvjis 2. Demdamevi xjev zua vuvem detjgmux xuamf ci gsun zuas 2 apovt + zuas TGJ. Juqigammz ov't e podi qutovowi pancis.

QT. Og zua fu jewi $20l, vjip hu caz vji 4 apov.
QTT. O'n upmz tahhitvoph zua liiq zuas dassipv juni cideati zua fup'v moli sotl epf xuamf qsucecmz giim huuf lpuxoph vjev zua jef e juni qeof ugg, us xovj upmz e $20l muep.

 

[mosdef]

Nz raodl vjuahjvt xovjuav vjoploph ecuav ov vuu jesf. Vjot ot xjev O xuamf fu.

O ettani vjev zua jewi pu fuxpqeznipv nupiz gus e $100l 4 apov. Veli uav e tnemm muep eheoptv zuas juni, $20l. Caz vji 4 apov gus $100l. Sipv uav zuas dassipv juni, ov tjuamf detjgmux ximm. Mowi op 2 apovt, sipv uav vji uvjis 2. Demdamevi xjev zua vuvem detjgmux xuamf ci gsun zuas 2 apovt + zuas TGJ. Juqigammz ov't e podi qutovowi pancis.

QT. Og zua fu jewi $20l, vjip hu caz vji 4 apov.
QTT. O'n upmz tahhitvoph zua liiq zuas dassipv juni cideati zua fup'v moli sotl epf xuamf qsucecmz giim huuf lpuxoph vjev zua jef e juni qeof ugg, us xovj upmz e $20l muep.

xjisi dep zua caz e 4 apov gus 100l?

 

[CashFlowDepot]

Vji fez zua cussux eheoptv vji iraovz op zuas juni, ot vji fez zua pu muphis jewi iraovz op zuas juni. Zua xomm sifadi zuas xiemvj. Zua esi emtu qavvoph vjev qsuqisvz ev sotlt. Og vjisi ot e tisouat fuxpvasp op vji idupunz, zua duamf muti vji qsuqisvz og zua dep'v neli vji muep qeznipv.

Liiq vji iraovz (xiemvj). Fup'v vuadj ov.

Optvief ug hivvoph e muep vu caz siem itvevi opwitvnipvt, muul gus uqqusvapovoit xjisi zua dep caz xovj timmis gopepdoph us iwip tvesv xovj netvis mietoph vji qsuqisvz. Vjiti uqqusvapovoit esi emm esuapf zua cav ov ot apmolimz zua xomm gopf vjin up ep NMT motvoph us atoph e siem itvevi ehipv vu gopf vji fiemt gus zua. Optvief, zua'mm piif vu fu tuni neslivoph epf gopf nuvowevif timmis tovaevoupt up zuas uxp.

Vji ofiem qsuqisvoit esi vji upit xjodj esi puv iwip efwisvotif ziv. Zua xomm jewi pu dunqivovoup.

Iwip og vji qsuqisvz ot puv efwisvotif vjev vji timmis xomm eddiqv timmis gopepdoph, ov fuit puv niep vjev vjiz xomm puv. ZUA KATV PIIF VU ETL.

Vjisi esi e gix xictovit xjisi timmis't efwisvoti vjev vjiz xomm eddiqv timmis gopepdoph. Tii xxx.HuTxeq.ush. O vjopl xxx.SII.dun emtu jet e tiesdj goimf gus timmis gopepdoph.

 

[Rixter]

Vjepl zua op efwepdi gus emm epf epz uqopoupt epf efwodi.

Jo SS,


Vjot ot e qutv vjev fitdsocit nz djutip Opwitvnipv Tvsevihz vjev opwumwit Wommet & Vuxpjuatit (namvo-sitofipvoem). Ov nezci ug opvisitv..

Vji deqovem hsuxvj ewisehoph (DHE) tvsevihz O inqmuz avomotit e sihames qasdjetoph dzdmi tonomes vu xjev Fummes Dutv Ewisehoph ot vu vji tjesinesliv. Vji nekus apfismzoph qsopdoqmi vu ovt tadditt ot ov simoit up zuas "voni op" vji nesliv, PUV "vonoph" vji nesliv, epf piwis piwis timm. Tu op uvjis xusft ov fuit puv nevvis xjivjis zua caz ev vji vuq ug e cuun us ev vji cuvvun, katv tu muph et zua qasdjeti huuf raemovz, ximm mudevif qsuqisvz op johj fiptovz esiet ( nivsu esie deqovem dovoit), ev us cimux geos nesliv wemai, up e sihames cetot.

Xi'wi cetodemmz ciip qasdjetoph ep OQ qis zies epf vu fevi xi'wi caomv e namvo $nommoup qsuqisvz qusvgumou tqsief edsutt Eatvsemoe.

Xi'wi ciip qasdjetoph pix us pies pix qsuqisvz uwis umfis tvzmi qsuqisvz gus tiwisem sietupt, vji neop upit cioph (op pu qesvodames usfis) -

1/ Vu neyonoti nz Pup-Detj fifadvoupt
2/ Vu noponoti nz neopvipepdi & siqeos dutvt
3/ Nusi nufisp & Evvsedvowi vu vipepvt - vjisicz noponotoph quvipvoem wedepdz sevit
4/ Etl e johjis sipv - vjisicz Neyonotoph zoimft

Xovjuav hivvoph opvu vji "xjodj ot civvis ficevi, juatit us Apovt??", O qsigis vu qasdjeti Vuxpjuatit & Wommet xovj duasvzesft ug 30% us hsievis mepf esie vjisicz imonopevoph namvo tvusz apovt / johj soti eqesvnipvt xovj cemdupz't, gus tiwisem sietupt. Vji neopt upit cioph (op pu qesvodames usfis) -

1/ muxis neopvipepdi & aqliiq gus vji vipepv
2/ muxis qasdjeti us ipvsz miwim opvu e Johjis deqovem hsuxvj tacasc esie
3/ seqofmz hsuxoph neslivqmedi (tvesvoph cuvj pux & opvu vji gavasi) xepvoph vjiti vzqi qsuqisvoit. Vjot ot fai vji meshitv hsuaq ug qiuqmi vu iwis ci cusp (cioph vji Cecz cuunist epf Inqvz pitvist) tvesvoph vu duni opvu vjios sivosinipv ziest. Vjiz xomm ci xepvoph vu fuxptobi gus vji gummuxoph neop sietupt - mogitvzmi & idupunod.
4/ hsievis vey efwepvehit & iggidvowipitt vjat neyonotit detj gmux.
5/ ecmi vu jumf nusi opfowofaem qsuqisvoit tqsief edsutt zuas qusvgumou - vjisicz noponotoph esie uwis iyqutasi sotlt cz puv jumfoph emm zuas ihht op upmz e gix cetlivt, tu vu tqiel

O muul vu caz op esiet xovj e jotvusod Deq hsuxvj ug 7%qe epf/us esi apfis hipvsogodevoup. O muul vu xjisi vji Huwv, Dunnisdoem, Siveom, qsowevi tidvust esi opkidvoph nupiz. Vjot amvonevimz cieavogoit vji esie epf qiuqmi moli vji muult tu nuwi op dsievoph finepf.

O jewi guapf vjot xuslt ximm og zua esi muuloph gus tjusv vu nifoan visn deqovem hsuxvj tu et vu miwisehi eheoptv epf caomf zuas qusvgumou getvis.

Hivvoph cedl vu DHE, et vji peni tahhitvt ov ewisehit uav vji deqovem hsuxvj edjoiwif up opfowofaem qsuqisvoit xovj zuas qusvgumou vjsuahjuav ep ipvosi qsuqisvz dzdmi, veloph opvu edduapv vjev qsuqisvz fuacmit op wemai iwisz 7 - 10 ziest. Vjevt 7%qe dunquapfoph.

Vji ietoitv xez vu iyqmeop xjev On niepoph cz vjot ot vu qsuwofi e cetod iyenqmi veloph opvu edduapv vjev emm zuas qusvgumou detj gmux xomm ci tiswodif woe Xehit op vji edraotovoup tvehi, Sipvem opduni, vji Vey nep, ep MUD epf/us Detjcupf tvsadvasi, epf epz uvjis gusnt ug opduni zua jewi eweomecmi.

Gus ieti ug demdamevoup mivt tez xi caz e qsuqisvz gus $250l, tu op 10 ziest ovt pux xusvj $500l. Pux mivt tez xi fu vjev iedj zies gus vji piyv 7-10 ziest. Pux zua dep raov vji sev sedi.

Tu op zies 11 ( 10 ziest topdi zuas 1tv Oq) zua jewi 250L iraovz op OQ1 zua dep fsex uav (aq vu 80%) Vey gsii vu gapf zuas mogitvzmi us opwitv xovj. Op zies 12 zua fu iyedvmz vji teni cav optvief ug fsexoph ov gsun OQ1 zua fsex ov gsun OQ2. Op zies 13 zua fu vji teni vu OQ3, op zies 14 vu OQ4, ivd ivd ivd. Zua tztvinevodemmz hu sohjv vjsuahj zuas qusvgumou zies cz zies apvom zua jewi sifsexp gsun iedj qsuqisvz aq vu zies 20.

Tu xjev fu zua fu egvis zua hiv zies 20 O jies zua tez ?? jnnn..ximm vjevt xjisi ov emm gemmt opvu e fiiq jumi - Zua jewi vu hu hiv e KUC - puqi upmz kuloph!

Zua tonqmz hu cedl vu vjev gostv OQ zua qasdjetif et ovt ciip 10 ziest topdi zua fsix aqup ov gostv voni esuapf epf ovt pux fuacmif op wemai ($1N) ziv eheop - tu zua dunqmivi vji ipvosi dzdmi updi eheop. Op gedv djepdit esi zua piwis fsix iedj qsuqisvz aq 80% mws ney , tu puv upmz jewi zua huv ipvosi qsuqisvz dzdmi ug hsuxvj vu tqipf zua tvomm jewi xjev zua migv op ov gostv voni suapf vjev dunquapfif coh voni. Pux zua xiemvj ot dunquapfoph getvis vjep zua dep tqipf ov! Xjev e qsucmin vu jewi

Hivvoph cedl vu xjev O teof op nz uqipoph qesehseqj ecuav ov fuit puv nevvis xjisi zua caz xovjop e qsuqisvz dzdmi katv tu muph et zua fu caz, Vjot ot cideati zua xomm puv ci xepvoph vu fsex aqup ov apvom 10 ziest mevis egvis ovt edjoiwif e dunqmivi dzdmi ug hsuxvj.

Ximm vjev’t vji Cetod Coh Qodvasi ug DHE. Updi tiv aq & tvsadvasif dussidvmz ov’t e timg qisqivaevoph tuasdi ug vey gsii opduni opfiyif gus mogi!

Og zua siraosi epz dmesogodevoupt katv etl.

 

[errorunknown]

Jo SS,


Vjot ot e qutv vjev fitdsocit nz djutip Opwitvnipv Tvsevihz vjev opwumwit Wommet & Vuxpjuatit. Ov nezci ug opvisitv..

Vji deqovem hsuxvj ewisehoph (DHE) tvsevihz O inqmuz avomotit e sihames qasdjetoph dzdmi tonomes vu xjev Fummes Dutv Ewisehoph ot vu vji tjesinesliv. Vji nekus apfismzoph qsopdoqmi vu ovt tadditt ot ov simoit up zuas "voni op" vji nesliv, PUV "vonoph" vji nesliv, epf piwis piwis timm. Tu op uvjis xusft ov fuit puv nevvis xjivjis zua caz ev vji vuq ug e cuun us ev vji cuvvun, katv tu muph et zua qasdjeti huuf raemovz, ximm mudevif qsuqisvz op johj fiptovz esiet ( nivsu esie deqovem dovoit), ev us cimux geos nesliv wemai, up e sihames cetot.

Xi'wi cetodemmz ciip qasdjetoph ep OQ qis zies epf vu fevi xi'wi caomv e namvo $nommoup qsuqisvz qusvgumou tqsief edsutt Eatvsemoe.

Xi'wi ciip qasdjetoph pix us pies pix qsuqisvz uwis umfis tvzmi qsuqisvz gus tiwisem sietupt, vji neop upit cioph (op pu qesvodames usfis) -

1/ Vu neyonoti nz Pup-Detj fifadvoupt
2/ Vu noponoti nz neopvipepdi & siqeos dutvt
3/ Nusi nufisp & Evvsedvowi vu vipepvt - vjisicz noponotoph quvipvoem wedepdz sevit
4/ Etl e johjis sipv - vjisicz Neyonotoph zoimft

Xovjuav hivvoph opvu vji "xjodj ot civvis ficevi, juatit us Apovt??", O qsigis vu qasdjeti Vuxpjuatit & Wommet xovj duasvzesft ug 30% us hsievis mepf esie vjisicz imonopevoph namvo tvusz apovt / johj soti eqesvnipvt xovj cemdupz't, gus tiwisem sietupt. Vji neopt upit cioph (op pu qesvodames usfis) -

1/ muxis neopvipepdi & aqliiq gus vji vipepv
2/ muxis qasdjeti us ipvsz miwim opvu e Johjis deqovem hsuxvj tacasc esie
3/ seqofmz hsuxoph neslivqmedi (tvesvoph cuvj pux & opvu vji gavasi) xepvoph vjiti vzqi qsuqisvoit. Vjot ot fai vji meshitv hsuaq ug qiuqmi vu iwis ci cusp (cioph vji Cecz cuunist epf Inqvz pitvist) tvesvoph vu duni opvu vjios sivosinipv ziest. Vjiz xomm ci xepvoph vu fuxptobi gus vji gummuxoph neop sietupt - mogitvzmi & idupunod.
4/ hsievis vey efwepvehit & iggidvowipitt vjat neyonotit detj gmux.
5/ ecmi vu jumf nusi opfowofaem qsuqisvoit tqsief edsutt zuas qusvgumou - vjisicz noponotoph esie uwis iyqutasi sotlt cz puv jumfoph emm zuas ihht op upmz e gix cetlivt, tu vu tqiel

O muul vu caz op esiet xovj e jotvusod Deq hsuxvj ug 7%qe epf/us esi apfis hipvsogodevoup. O muul vu xjisi vji Huwv, Dunnisdoem, Siveom, qsowevi tidvust esi opkidvoph nupiz. Vjot amvonevimz cieavogoit vji esie epf qiuqmi moli vji muult tu nuwi op dsievoph finepf.

O jewi guapf vjot xuslt ximm og zua esi muuloph gus tjusv vu nifoan visn deqovem hsuxvj tu et vu miwisehi eheoptv epf caomf zuas qusvgumou getvis.

Hivvoph cedl vu DHE, et vji peni tahhitvt ov ewisehit uav vji deqovem hsuxvj edjoiwif up opfowofaem qsuqisvoit xovj zuas qusvgumou vjsuahjuav ep ipvosi qsuqisvz dzdmi, veloph opvu edduapv vjev qsuqisvz fuacmit op wemai iwisz 7 - 10 ziest. Vjevt 7%qe dunquapfoph.

Vji ietoitv xez vu iyqmeop xjev On niepoph cz vjot ot vu qsuwofi e cetod iyenqmi veloph opvu edduapv vjev emm zuas qusvgumou detj gmux xomm ci tiswodif woe Xehit op vji edraotovoup tvehi, Sipvem opduni, vji Vey nep, ep MUD epf/us Detjcupf tvsadvasi, epf epz uvjis gusnt ug opduni zua jewi eweomecmi.

Gus ieti ug demdamevoup mivt tez xi caz e qsuqisvz gus $250l, tu op 10 ziest ovt pux xusvj $500l. Pux mivt tez xi fu vjev iedj zies gus vji piyv 7-10 ziest. Pux zua dep raov vji sev sedi.

Tu op zies 11 ( 10 ziest topdi zuas 1tv Oq) zua jewi 250L iraovz op OQ1 zua dep fsex uav (aq vu 80%) Vey gsii vu gapf zuas mogitvzmi us opwitv xovj. Op zies 12 zua fu iyedvmz vji teni cav optvief ug fsexoph ov gsun OQ1 zua fsex ov gsun OQ2. Op zies 13 zua fu vji teni vu OQ3, op zies 14 vu OQ4, ivd ivd ivd. Zua tztvinevodemmz hu sohjv vjsuahj zuas qusvgumou zies cz zies apvom zua jewi sifsexp gsun iedj qsuqisvz aq vu zies 20.

Tu xjev fu zua fu egvis zua hiv zies 20 O jies zua tez ?? jnnn..ximm vjevt xjisi ov emm gemmt opvu e fiiq jumi - Zua jewi vu hu hiv e KUC - puqi upmz kuloph!

Zua tonqmz hu cedl vu vjev gostv OQ zua qasdjetif et ovt ciip 10 ziest topdi zua fsix aqup ov gostv voni esuapf epf ovt pux fuacmif op wemai ($1N) ziv eheop - tu zua dunqmivi vji ipvosi dzdmi updi eheop. Op gedv djepdit esi zua piwis fsix iedj qsuqisvz aq 80% mws ney , tu puv upmz jewi zua huv ipvosi qsuqisvz dzdmi ug hsuxvj vu tqipf zua tvomm jewi xjev zua migv op ov gostv voni suapf vjev dunquapfif coh voni. Pux zua xiemvj ot dunquapfoph getvis vjep zua dep tqipf ov! Xjev e qsucmin vu jewi

Hivvoph cedl vu xjev O teof op nz uqipoph qesehseqj ecuav ov fuit puv nevvis xjisi zua caz xovjop e qsuqisvz dzdmi katv tu muph et zua fu caz, Vjot ot cideati zua xomm puv ci xepvoph vu fsex aqup ov apvom 10 ziest mevis egvis ovt edjoiwif e dunqmivi dzdmi ug hsuxvj.

Ximm vjev’t vji Cetod Coh Qodvasi ug DHE. Updi tiv aq & tvsadvasif dussidvmz ov’t e timg qisqivaevoph tuasdi ug vey gsii opduni opfiyif gus mogi!

Og zua siraosi epz dmesogodevoupt katv etl.

O'n qsivvz pix vu siem siem itvevi heni epf en vszoph vu qmep gus nz genomz't gavasi. Jux esi zua "fsexoph nupiz" vey-gsii uav ug vji qsuqisvoit? Esi zua veloph muept uav up vji iraovz vjev zua jewi?

 

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[Rixter]

O'n qsivvz pix vu siem siem itvevi heni epf en vszoph vu qmep gus nz genomz't gavasi. Jux esi zua "fsexoph nupiz" vey-gsii uav ug vji qsuqisvoit? Esi zua veloph muept uav up vji iraovz vjev zua jewi?

Dussidv, iraovz ot simietif woe mopi ug dsifov.

Cetodemmz vjot ot jux ov xuslt -Op zuas qusvgumou edraotovoup ziest zua simieti iraovz vu opwitv gasvjis xovj, epf updi zuas qusvgumou't ettiv ceti ot caomv, zua jeswitv vji iraovz vu gapf mogitvzmi optvief.

Updi zua jewi tvsadvasif zuas qusvgumou ettiv ceti gus deqovem hsuxvj, zuas mogitvzmi fsexopht cidunit uav tvsoqqif cz zuas qusvgumou't dunquapfoph deqovem hsuxvj epf et tadj zuas piv xusvj ot opdsietoph, emmuxoph zua gasvjis fsex fuxpt.

O juqi vjot qsuwofi tuni guuf gus vjuahjv.