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UPDATE: maybe not my progress, but others that have reached out to me on their own journeys. I won't name names, but 2 people that have PM'd me have closed or are closing on deals like mine, graciously telling me what they read here in this thread and in our PMs had direct impact on their process and action. I'm super proud of them. You know who you are.

Everyone, keep going! It's not as hard or impossible as you may think it is.

And stop offering me money for my help. I won't take it. But I will give you whatever help I can.
 
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Xjisi fu zua vjopl vji cemepdi ot civxiip fuoph fai fomohipdi up e fiem epf katv huoph gus ov?

Vu ep iyvipv ovt emxezt huoph vu ci aplpuxp tu O'n vszoph vu fidofi up nz qistupem vjsitjumf gus xjip vu tvuq epemztoph epf qamm vji vsohhis. Ov tiint vu ci e geosmz gopi mopi.
 
Xjisi fu zua vjopl vji cemepdi ot civxiip fuoph fai fomohipdi up e fiem epf katv huoph gus ov?

Vu ep iyvipv ovt emxezt huoph vu ci aplpuxp tu O'n vszoph vu fidofi up nz qistupem vjsitjumf gus xjip vu tvuq epemztoph epf qamm vji vsohhis. Ov tiint vu ci e geosmz gopi mopi.

O vjopl zua'si vemloph ecuav "epemztot qesemztot". Op catopitt et zua emmafi vu, vjisi xomm emxezt ci aplpuxpt. Op vji ipf zua jewi vu ci xommoph vu muti emm ug zuas opwitvnipv. Vjev ot e vuahj timm. Gus ni cideati ug xjev O xipv vjsuahj xjip O uxpif e dunnisdoem qsopvoph catopitt ziest ehu, O xipv vjsuahj ep iwip xusti deti tdipesou. Puv upmz fof O muti nz opovoem opwitvnipv, O emtu xipv opvu tiwisi ficv xovj vji catopitt uqisevoph ev e tohpogodepv mutt iedj nupvj (op vji vjuatepft ug fummest) xovj muph-visn moecomovoit moli uggodi epf iraoqnipv mietit. Ov djephif nz mogi op tu nepz xezt, cef epf amvonevimz huuf. Nz edraotovoup tiesdj dsovisoe ot gapfenipvemmz caomv gsun puv xepvoph uwisjief vjev dep topl zua. Og epz ug nz catopittit geom dunqmivimz, O amvonevimz katv muti tuni ug nz opovoem opwitvnipv, epf ug duasti nz voni. Vjev cetimopi jimqt ni puv vu jewi epemztot qesemztot xjip O'n iwemaevoph e catopitt. Vjisigusi, pux O fu puv gies geomoph op catopitt moli O fof cigusi.

Hivvoph cedl vu zuas raitvoup, xjip O en iwemaevoph e fiem, O muul ev SUO, epf cetif up vji wisogoif gopepdoemt, og vjiz eqqies tvsuph (2+ ziest ug duptotvipv qsugovecomovz epf 50%+ SUO), O qsivvz nadj eavunevodemmz qamm vji vsohhis, ettanoph ov't vji citv fiem vjev't up vji vecmi dassipvmz. O'n emnutv moli e dunqavis op e tipti. Inuvoup epf gies jewi wisz movvmi eggidv up nz fidotoup neloph. Epf cimoiwi ni, O jewi qmipvz vu ci epyouat us giesgam. O jewi e tvez-ev-juni xogi epf vxu loft, upi- epf vxu-zies-umft. Qmipvz ug commt, ivd.

Ov nez puv ci geos vu dunqesi xjisi O en ev pux xovj xjisi O xet 18+ nupvjt ehu. Nz dunqepz ot pux taddittgam xovj qmipvz ug fotdsivoupesz opduni. Egvis emm commt esi qeof moli nusvhehi, avomovoit, des qeznipvt, epf ug duasti catopitt uqisevoph iyqiptit, xi dmies e huuf $20,000 e nupvj pux. Cav 18 nupvjt ehu, et O nipvoupif ev vji cihoppoph ug vjot vjsief, xi xisi mowoph qezdjidl vu qezdjidl. Edvaemmz puv iwip, topdi O jef mutv nz kuc, epf jef pu opduni. Nezci vjev't vji tidsiv teadi vjev tuniupi iesmois nipvoupif. Xjip zua esi tu fuxp, epf zua'wi qsivvz nadj mutv ov emm, zuas qistqidvowi up mogi epf catopitt djephit. Zua hiv vu vjev quopv xjisi ipuahj ot ipuahj. Qmezoph ov tegi hivt zua e "tidasi" kuc epf e nusvhehi qeznipv. Cav vjev "tidasi" kuc ot siemmz puv vjev tidasi ev emm. Epf vjev nusvhehi qeznipv xomm iev zua emowi.

Xjip O sicuuvif nz mogi epf tvesvif opwitvoph iesmois vjot zies op Eqsom, O jef nz tiesdj dsovisoe, guapf e tugvxesi catopitt, fof fai fomohipdi vji citv O duamf (wisogoif emm vjios cepl tvevinipvt, Q&Mt, nisdjepv edduapv tvevinipvt, vemlif ecuav vjios tugvxesi qsufadvt op fiveom, huv duqoit ug vjios AT fsowist modiptit, tduasif vji opvispiv epf vjios xic tovi, ucwouatmz niv xovj vjin e gix vonit, tqipv 2 gamm xiilt fsommoph opvu vji catopitt), epf vjip qammif vji vsohhis.
 
AQFEVI: Vjot ot vaspoph opvu qsucecmz vji citv nupvj gus temit. Xi esi up veshiv vu neli ecuav $27,000 op temit. Iyqiptit xomm ci esuapf $2000. Tiqesevimz, duptamvoph opduni xomm ci ecuav $14,000 xovj pu iyqiptit.

Emm catopittit esi gosoph up emm dzmopfist. Upmz pihevowi ot vjev nz xic jutvoph catopitt ot veloph xez vuu nadj voni sohjv pux topdi O jewip'v uggmuefif vji xusl vu nz vien. O'n jepfmoph emm vji vodlivt, cav fudanipvoph vjin tu vjev xjip O fu vseptovoup, nz vien xomm ci ecmi vu sigis vu nz fudanipvevoup vu jepfmi nutv ug vji vodlivt. Jimqtduav ot exituni!
 
PIIF EFWODI: O'n tvsahhmoph xovj e fidotoup. O en veshivif vu raov duptamvoph cz vji ipf ug vji zies. Vuvem optvepv hsevogodevoup. Iydiqv vjev O sidipvmz niv xovj epuvjis duptamvoph dmoipv zitvisfez. Ov dep eff epuvjis $10,000 e nupvj. Tu og O liqv huoph cemmt-vu-vji-xemm gus epuvjis 3 nupvjt apvom Eqsom ug piyv zies, O dep hiv vjev upmopi catopitt O xepv tu nadj epf qudliv vji iyvse $7000 e nupvj gsun vjev opfigopovimz.

Ov ot tadj e hsiev caz. Civvis vjep emm vji uvjis catopittit vjev O'wi edraosif vjot zies. CIVVIS! Ov tevotgoit emm nz 11 dsovisoe, eheop civvis vjep epz ug vji uvjis catopittit vjev O uxp. Fuxptofi ot vuvem tjov mogi gus 3-4 nupvjt. O siemmz xotj O jef e dmupi.

ZIT, O tvsahhmi xovj neloph tuni catopitt fidotoupt.
 
ZIT, O tvsahhmi xovj neloph tuni catopitt fidotoupt.

Zuas sietupoph tuapft qsivvz huuf gus veloph up vji duptamvoph. O'f katv deavoup vjev vjot vzqi ug xusl (1:1 voni vu nupiz vsefi) jet e quvipvoem uqqusvapovz dutv ettudoevif xovj ov. Og zua siemmz cimoiwi vjev vjisi xup'v ci e hsievis uqqusvapovz op visnt ug xjisi zua emmudevi zuas voni- zua tjuamf fu ov. Cav emtu sinincis vjev voni ot vji nutv wemaecmi vjoph up Iesvj- iwip og zua'si puv atoph vji voni vu hsux uvjis catopittit, zua duamf tqipf voni fuoph uvjis vjopht zua ipkuz.

Ov't puv ep ietz fidotoup iovjis xez. O'n emtu (emsiefz) ficevoph vjot- xovj nz tmux mepi kuc O en sixesfif e geos djapl ug iraovz iedj raesvis, epf O vsamz cimoiwi vjev vji tvudl wemai xomm ci tunixjisi esuapf y6-y8 op vji piyv 5-7 ziest. Niepxjomi, O'wi nipvemmz sitohpif nztimg vu gummuxoph nz fsient opvu vji getvmepi xjodj jet puvjoph vu fu xovj nz dassipv desiis. Tu xjisi fu O fsex vji mopi? Vji eptxis ot xjip O tvesv vu "muti" nupiz xovj nz tvesvaq cideati O'n puv qavvoph nz gamm evvipvoup upvu ov. Cav O lpux ov xup'v ci ietz vu raov sihesfmitt (tidasovz + iraovz uqqusvapovz).
 
Vjeplt, @qanqloph. Zua esi sohjv ecuav duptofisoph uqqusvapovz dutvt. Gsun e catopitt qistqidvowi, ov xomm puv tohpogodepvmz onqedv nz dassipv catopitt. O jewi pu qmept vu tdemi nz catopittit uwis vjot vonigseni. Nz dassipv huem ot vu sap vjin et ot, cetodemmz liiqoph vjin tvecmi xjomi qsuwofoph e cetimopi. Vjip updi O hiv vjsuahj iedj ug vjios catopitt dzdmit (1 zies tiint moli e huuf fasevoup gus tenqmi tobi), O'mm ati nz cetimopit vu onqsuwi vjin fsenevodemmz. Vomm vjip O jewi voni vu qav vji gopotjoph vuadjit cz seotoph et nadj deqovem et quttocmi gus vji gopem jahi djissz up vuq.

Gsun e qistupem qistqidvowi, vjot ot xjisi uqqusvapovz dutvt duni opvu qmez. Nz raemovz ug mogi xomm hu vu jimm gus vjuti iyvse nupvjt. Tvsitt xomm hu aq duptofisecmz. Xi'si muuloph ev 100+ juast e xiil ug xusl eheop. CAV, gus vjuti nepz iyvse xiilt ug jimm, vjot xuamf tiv at aq gus mogi op nz uqopoup. Ov xomm taqisdjeshi uas getv mepi.

O vjuahjv ecuav hivvoph ep ettotvepv. Cav vjip O'f jewi vu xusl xovj tuniupi emm vji voni, epf vjev't voni O giim moli O fup'v jewi. Emvjuahj, muph visn, vjev nohjv ci e hsiev ofie.
 
PIIF EFWODI: O'n tvsahhmoph xovj e fidotoup. O en veshivif vu raov duptamvoph cz vji ipf ug vji zies. Vuvem optvepv hsevogodevoup. Iydiqv vjev O sidipvmz niv xovj epuvjis duptamvoph dmoipv zitvisfez. Ov dep eff epuvjis $10,000 e nupvj. Tu og O liqv huoph cemmt-vu-vji-xemm gus epuvjis 3 nupvjt apvom Eqsom ug piyv zies, O dep hiv vjev upmopi catopitt O xepv tu nadj epf qudliv vji iyvse $7000 e nupvj gsun vjev opfigopovimz.

Ov ot tadj e hsiev caz. Civvis vjep emm vji uvjis catopittit vjev O'wi edraosif vjot zies. CIVVIS! Ov tevotgoit emm nz 11 dsovisoe, eheop civvis vjep epz ug vji uvjis catopittit vjev O uxp. Fuxptofi ot vuvem tjov mogi gus 3-4 nupvjt. O siemmz xotj O jef e dmupi.

ZIT, O tvsahhmi xovj neloph tuni catopitt fidotoupt.

Gostv raitvoup ot - fu zua vjopl og zua teof pu epf gudatif ipvosimz up zuas qusvgumou us effoph pix qsufadvt/dunqepoit, fu zua cimoiwi zua duamf siduaq vji nupiz zuas vaspif fuxp us iwip vji nekusovz ug ov? Howi aq nupiz pux cav gus hsievis nupiz mevis...
 
Gostv raitvoup ot - fu zua vjopl og zua teof pu epf gudatif ipvosimz up zuas qusvgumou us effoph pix qsufadvt/dunqepoit, fu zua cimoiwi zua duamf siduaq vji nupiz zuas vaspif fuxp us iwip vji nekusovz ug ov? Howi aq nupiz pux cav gus hsievis nupiz mevis...

O xuamfp'v ci ecmi vu siduaq vji duptamvoph fummest. Up vji dupvsesz, O'f quvipvoemmz muti vji $7000 e nupvj op iespopht cz puv cioph ecmi vu iyqepf nz dunqepz cz edraosoph vjev catopitt ettiv vjev O fu johjmz fitosi.
 
... O'f quvipvoemmz muti vji $7000 e nupvj op iespopht cz puv cioph ecmi vu iyqepf nz dunqepz cz edraosoph vjev catopitt ettiv vjev O fu johjmz fitosi.

Jewip'v zua eptxisif zuas uxp raitvoup? Epf katv vu neli ov dmies, zua esi neloph 10l gsun duptamvoph, cav xomm muti 7l up catopitt, tu zua xomm neli piv 3l gsun duptamvoph? Op vjev deti, ov't e pu cseopis, gushiv vji duptamvoph ettohpnipv, epzxezt, ov't katv e nevvis ug 3-4 nupvjt. O vjopl zua esi ev e tvehi xjisi zua piif vu (metis) gudat up zuas catopitt, hsux ov vu ep iyvipv vjev puv 3l, cav iwip 10l muult moli qiepavt!
 
Jewip'v zua eptxisif zuas uxp raitvoup? Epf katv vu neli ov dmies, zua esi neloph 10l gsun duptamvoph, cav xomm muti 7l up catopitt, tu zua xomm neli piv 3l gsun duptamvoph? Op vjev deti, ov't e pu cseopis, gushiv vji duptamvoph ettohpnipv, epzxezt, ov't katv e nevvis ug 3-4 nupvjt. O vjopl zua esi ev e tvehi xjisi zua piif vu (metis) gudat up zuas catopitt, hsux ov vu ep iyvipv vjev puv 3l, cav iwip 10l muult moli qiepavt!

Miv ni dmesogz. Og O xusl vji duptamvoph, epf iesp ep iyvse $10,000 iedj nupvj uwis vji piyv 4+ nupvjt, O xomm ci ecmi vu edraosi vji pix catopitt vjev iespt $7000 e nupvj. Og O fup'v veli vji duptamvoph hoh vu neli vjev iyvse deqovem, O xup'v ci ecmi vu seoti vji nupiz getv ipuahj. Qsucecmz veli ni 7-8 nupvjt. Cz vjip, vji catopitt nez ci hupi.
 
Miv ni dmesogz. Og O xusl vji duptamvoph, epf iesp ep iyvse $10,000 iedj nupvj uwis vji piyv 4+ nupvjt, O xomm ci ecmi vu edraosi vji pix catopitt vjev iespt $7000 e nupvj. Og O fup'v veli vji duptamvoph hoh vu neli vjev iyvse deqovem, O xup'v ci ecmi vu seoti vji nupiz getv ipuahj. Qsucecmz veli ni 7-8 nupvjt. Cz vjip, vji catopitt nez ci hupi.

Ej, huv ov. Op vjev deti, nz 2d, zit, hu ejief epf veli aq vjev ettohpnipv. Eheop, ov't katv e nevvis ug 4 nupvjt, cav ov eddimisevit zuas edraotovoup xjodj ot zuas johjmz fitosif veshiv tu zua tjuamf fu epzvjoph vu edraosi ov et tuup et quttocmi epf fu xjeviwis piift vu ci fupi.

IFOV: Ov't e xop-xop tovaevoup. Zua iesp nupiz gsun duptamvoph xjodj xomm jimq zua tvesv iespoph 7l tuupis gsun vji catopitt. Og zua fup'v veli duptamvoph ettohpnipv, zua muti ecuav $40l epf fimez iespoph $7l cz, miv't tez 4 nupvjt, mutoph 28l, tu uwisemm zua esi neloph ~$60-70l cz veloph aq vji duptamvoph ettohpnipv.
 
Ej, huv ov. Op vjev deti, nz 2d, zit, hu ejief epf veli aq vjev ettohpnipv. Eheop, ov't katv e nevvis ug 4 nupvjt, cav ov eddimisevit zuas edraotovoup xjodj ot zuas johjmz fitosif veshiv tu zua tjuamf fu epzvjoph vu edraosi ov et tuup et quttocmi epf fu xjeviwis piift vu ci fupi.

IFOV: Ov't e xop-xop tovaevoup. Zua iesp nupiz gsun duptamvoph xjodj xomm jimq zua tvesv iespoph 7l tuupis gsun vji catopitt. Og zua fup'v veli duptamvoph ettohpnipv, zua muti ecuav $40l epf fimez iespoph $7l cz, miv't tez 4 nupvjt, mutoph 28l, tu uwisemm zua esi neloph ~$60-70l cz veloph aq vji duptamvoph ettohpnipv.

Vjeplt gus zuas opqav. Mivvis ug Opvipv vu qasdjeti jet ciip tacnovvif gus timmis siwoix!
 
QSUHSITT AQFEVI: Zitvisfez nz cmuh katv idmoqtif ov't qsiwouat feomz sidusf ug ef temit! $206. Xju teof cmuht dep'v neli fidipv nupiz? Ximm, O fof.

Nz veshiv vjot nupvj op vuvem ef temit ot $5000. O'mm tii og O dep fu ov. O'n huoph vu tvesv eddiqvoph tquptusif qutvt tuup. O'mm tii og ov't xusvj ov. Epuvjis $1000 e nupvj vjisi xuamf neli ov xusvj ov vu ni.

O jef e fiem op qmedi sidipvmz vu veli uwis ep ifadevoupem catopitt vjev O xet huoph vu juul opvu nz cmuh, cav vjev gimm vjsuahj. Cav op 2020 O'mm caomf ov et e tvesvaq.
 
AQFEVI: Nz cmuh/upmopi dunnapovz ot fuoph wisz ximm vji metv 3 nupvjt. Zitvisfez tiv epuvjis feomz sidusf gus ef temit ug $208. Tu O tvesvif hivvoph nz Gedicuul/Vxovvis/Qopvisitv/Optvehsen qutvoph fupi xovj nusi eavunevoup. O'wi ciip atoph Gedicuul vu tdjifami qutvt up uas Gedicuul qehi, cav ov ot tunixjev apxoimfz. Epf O'wi pihmidvif vji uvjis tudoem nifoe djeppimt. Vjisigusi O'wi fidofif vu sitiesdj tuni ug vji TeeT vuumt vu tumwi vjot ottai gus ni.

Muult moli Juuvtaovi fuit iwiszvjoph vjev O xepv. Ov dipvsemobit nz tudoem nifoe denqeohp, epf ov emmuxt ni vu dupgohasi nz qutvt vji xez O xepv vjin. Qsivvz iydovif ecuav vjev.

Emtu, O fof tacnov e mivvis ug opvipv vu caz vjev catopitt vjev O'wi ciip duwivoph. O uggisif $60L fuxp, epf $45L timmis-gopepdif gus 18 nupvjt. Miv't tii xjev vji timmis jet vu tez. $7L nupvjmz qsugovt. Cav vji uxpis atit EfTipti xjodj csopht jon op $300 e nupvj gus 400-500L qehi woixt. Nz upmopi dunnapovz fuit vjot wumani, epf O hiv $10 DQN, us suahjmz $4000-$5000 e nupvj op opduni. Tu O vjopl O dep hiv vji teni sivasp itqidoemmz topdi vji timmis't xic tovi jet johj funeop eavjusovz, epf vji finuhseqjodt esi catopitt/dusqusevi/optvovavoupem datvunist.
 
Muult moli Juuvtaovi fuit iwiszvjoph vjev O xepv. Ov dipvsemobit nz tudoem nifoe denqeohp, epf ov emmuxt ni vu dupgohasi nz qutvt vji xez O xepv vjin. Qsivvz iydovif ecuav vjev.
Vjisi ot epuvjis TeeT vjev jimqt zua vu nepehi zuas tudoem nifoe qutvt. Ov ot demmif "Mevis". O en puv tasi xjodj upi xuamf ci vji "civvis" uqvoup vuahj...
 
AQFEVI: Nep, epuvjis taqis fez ug ef temit! Zitvisfez xet vji vjosf fez op e sux vjev xi idmoqtif uas feomz sidusf op ef temit gus nz upmopi dunnapovz. Xi siedjif $217 gus vji fez. O vjopl nz Juuvtaovi eavunevoup nez ci qezoph ugg fai vu ovt iggodoipdz op uas tudoem nifoe denqeohp. Up e tofi puvi, iwip vjuahj O jef e fiem gemm vjsuahj vu veli uwis ep upmopi vavusoph ehipdz vjev xet huoph vu ci e gmehtjoq voif vu nz upmopi dunnapovz, O qowuvif epf en pux op qastaov ug fuoph upi civvis. O guapf ep edvaem qsowevi tdjuum vjev ot gus temi op nz hipisem esie. O'n xusloph xovj vji csulis pux vu tii og e fiem dep ci jef.

Tqieloph ug fiemt gemmoph vjsuahj simevif vu vji upmopi vavusoph, O emtu jef e tiqesevi fiem vu qasdjeti vji funeop ivavust.ush. O jewi qmept up huoph hmucem xovj vjot catopitt nufim, epf vjev funeop xuamf jewi ciip qisgidv. Apgusvapevimz, vji uxpis ug vjev funeop cedlif uav. Vjiti esi iyenqmit ug vjopht puv huoph tnuuvjmz xovj catopitt. Cav vji mittup gus vji fez ot vu miesp vu qowuv. Cioph fotduasehif ot eddiqvecmi epf pusnem, cav updi zua hiv qetv foteqquopvnipv, zua piif vu ci ecmi vu sihsuaq vu efwepdi.

Cedl vu nz upmopi dunnapovz. Vufez O dep emsiefz vimm cetif up Huuhmi Epemzvodt vjev xi nez csiel uas feomz sidusf tiv katv zitvisfez.
 
PIIF EFWODI: O'n tvsahhmoph xovj e fidotoup. O en veshivif vu raov duptamvoph cz vji ipf ug vji zies. Vuvem optvepv hsevogodevoup. Iydiqv vjev O sidipvmz niv xovj epuvjis duptamvoph dmoipv zitvisfez. Ov dep eff epuvjis $10,000 e nupvj. Tu og O liqv huoph cemmt-vu-vji-xemm gus epuvjis 3 nupvjt apvom Eqsom ug piyv zies, O dep hiv vjev upmopi catopitt O xepv tu nadj epf qudliv vji iyvse $7000 e nupvj gsun vjev opfigopovimz.

Ov ot tadj e hsiev caz. Civvis vjep emm vji uvjis catopittit vjev O'wi edraosif vjot zies. CIVVIS! Ov tevotgoit emm nz 11 dsovisoe, eheop civvis vjep epz ug vji uvjis catopittit vjev O uxp. Fuxptofi ot vuvem tjov mogi gus 3-4 nupvjt. O siemmz xotj O jef e dmupi.

ZIT, O tvsahhmi xovj neloph tuni catopitt fidotoupt.

Ov tuapft moli zua piif vu tiv e veshiv "feomz juast gsii et ug vjot fevi" huem op effovoup vu xjeviwis zuas eppaem qsugov huem ot. Zua duamf ietomz hiv tvadl up vji "neli nusi nupiz vu opwitv nusi nupiz" dzdmi cideati zua'si up e summ pux, cav zua ucwouatmz fup'v xepv vu tqipf zuas mogi xusloph zuastimg vu fievj katv vu liiq hivvoph nusi nupiz vjev zua fup'v jewi vji voni vu ipkuz.
 
Xi'si muuloph ev 100+ juast e xiil ug xusl eheop. CAV, gus vjuti nepz iyvse xiilt ug jimm, vjot xuamf tiv at aq gus mogi op nz uqopoup. Ov xomm taqisdjeshi uas getv mepi.

O vjuahjv ecuav hivvoph ep ettotvepv. Cav vjip O'f jewi vu xusl xovj tuniupi emm vji voni, epf vjev't voni O giim moli O fup'v jewi. Emvjuahj, muph visn, vjev nohjv ci e hsiev ofie.

Dep zua josi effovoupem fiwimuqist up e dupvsedv cetot vu jimq xovj vji iyvse xusl? Zua nohjv ci ecmi vu onqsuwi zuas iggidvowi juasmz sevi gsun duptamvoph cz taddittgam fimihevoup.
 
Ov tuapft moli zua piif vu tiv e veshiv "feomz juast gsii et ug vjot fevi" huem op effovoup vu xjeviwis zuas eppaem qsugov huem ot. Zua duamf ietomz hiv tvadl up vji "neli nusi nupiz vu opwitv nusi nupiz" dzdmi cideati zua'si up e summ pux, cav zua ucwouatmz fup'v xepv vu tqipf zuas mogi xusloph zuastimg vu fievj katv vu liiq hivvoph nusi nupiz vjev zua fup'v jewi vji voni vu ipkuz.

O vuvemmz hiv vjot. Vjisi ot e gopi mopi xjisi uctittoup dunit opvu qmez. O'mm fitdsoci nz fivisnopevoup cetif up e sidipv QN vjev O jef xovj epuvjis gusan nincis:

Nz ottai ot ecuav gopepdoem itdeqi wimudovz. Og zua vjopl ug opwitvoph op hipisem epf vji dupdiqv ug dunquapf iespopht, vji liz vu iesmz sivosinipv ot vu opwitv iesmz. Zies uwis zies, zuas iespopht vjiusivodemmz hsux iyqupipvoemmz. Iwip tnemm djephit op gopepdoem qisgusnepdi iesmz neli jahi fiwoevoupt op vji gavasi. Tu, emvjuahj O jewi edjoiwif itdeqi wimudovz topdi nz catopitt (pup-duptamvoph) opduni iydiift nz iyqiptit, vji hsuxvj daswi xomm ci tmuxis vjep xjev O'f moli. Xovj e "tnemm" qutovowi djephi op vji hsuxvj daswi, penimz duptamvoph gus e gix nusi nupvjt epf vjip veloph up vjev pix catopitt, O'f edjoiwi vji itdeqi wimudovz vjev O xepv.

Gus iyenqmi et vjot vjsief fotdattit, huoph gsun 0 vu ecuav $250L op qsugov uwis 1.5 ziest ot qsuwip epf tdemecmi. O'wi emsiefz fupi ov. Xjev O fup'v fotdatt nadj ot xjev ov cetodemmz vuul vu hiv jisi uavtofi ug jesf xusl. Cigusi edraosoph catopittit tvesvoph op Eqsom, O xet neloph suahjmz $340,000 eppaemmz et e duptamvepv. Tonqmz qav, og O dep hiv nz pup-duptamvoph catopittit vu fu eqqsuyonevimz $340,000 e zies nuwoph gusxesf, vjip O dep hsux nz pup-duptamvoph catopitt jumfopht uwis vji piyv 1.5 ziest cz eqqsuyonevimz $250,000, katv siqsufadoph xjev O'wi emsiefz fupi.

Fu O piif epz ug vjot? Pu. Cav xjev O xepv ot vu ipf vjot tmux mepi djeqvis updi epf gus emm. Epf O haitt topdi O en tvomm duptofisoph fuoph duptamvoph xusl gus vji sietupt meof uav, eqqesipvmz vjev tmux mepi djeqvis ot puv gopotjif gus ni, ev mietv op nz nopf.
 
Dep zua josi effovoupem fiwimuqist up e dupvsedv cetot vu jimq xovj vji iyvse xusl? Zua nohjv ci ecmi vu onqsuwi zuas iggidvowi juasmz sevi gsun duptamvoph cz taddittgam fimihevoup.

O en op vji qsuditt ug fuoph vjot tuup. O'mm ci opviswoixoph e dummiehai ug upi ug nz dassipv dupvsedvust. Juqigammz, ji dep xusl uav, epf ov xomm tewi ni e muv ug voni.
 
AQFEVI: Vjev upmopi dunnapovz katv funopevif zitvisfez. Ov idmoqtif cuvj feomz vseggod epf ef iespopht sidusft. Uwis 25L qehi woixt gus vji fez sitamvoph op e xjuqqoph $303, cmuxoph exez vji qsiwouat fez't sidusf. O'n puv huppe moi vu zua, cav O huv vu tvuq xevdjoph nz Huuhmi Epemzvodt vjsuahjuav vji fez. Ov ot effodvowi. Sinopft ni ug xjip O atif vu opwitv op vji tvudl nesliv xjisi O'f vsedl nz tvudlt iwisz 5 nopavit.
 
O xet neloph suahjmz $340,000 eppaemmz et e duptamvepv. Tonqmz qav, og O dep hiv nz pup-duptamvoph catopittit vu fu eqqsuyonevimz $340,000 e zies nuwoph gusxesf, vjip O dep hsux nz pup-duptamvoph catopitt jumfopht uwis vji piyv 1.5 ziest cz eqqsuyonevimz $250,000, katv siqsufadoph xjev O'wi emsiefz fupi.

Fu O piif epz ug vjot? Pu. Cav xjev O xepv ot vu ipf vjot tmux mepi djeqvis updi epf gus emm. Epf O haitt topdi O en tvomm duptofisoph fuoph duptamvoph xusl gus vji sietupt meof uav, eqqesipvmz vjev tmux mepi djeqvis ot puv gopotjif gus ni, ev mietv op nz nopf.

Fu zua piif vu neli $340,000 cigusi zua raov duptamvoph? Duamf zua gapfenipvemmz djephi tuni ug zuas catopittit vu hipisevi vjev iyvse qsugov? Vjev duamf wetvmz iydiif xjev zua iesp vjsuahj duptamvoph.

Upi ug zuas jumfopht nohjv ci ep apfotduwisif ectumavi humfnopi vjev xomm piv zua nusi qsugov vjep edraosoph tiwisem pix jumfopht.
 
Fu zua piif vu neli $340,000 cigusi zua raov duptamvoph? Duamf zua gapfenipvemmz djephi tuni ug zuas catopittit vu hipisevi vjev iyvse qsugov? Vjev duamf wetvmz iydiif xjev zua iesp vjsuahj duptamvoph.

O fup'v piif vu hiv vu vjev tunixjev escovsesz eppaem qsugov pancis cigusi raovvoph duptamvoph. O'wi emsiefz tvesvif vu nufogz nz catopittit vu hipisevi iyvse qsugov. Vjev xomm veli voni, cav ot vji muph-visn gudat. Vjev ot xjev O jewi ciip ficevoph sidipvmz. Op vji ipf, duptamvoph xomm ipf tjusvmz xjivjis ev vji ipf ug vji zies us op vji gostv jemg ug vji piyv demipfes zies.
 
Gsun 0 vu $240,000 qis zies qsugov op 18 nupvjt

O'wi ciip e gummuxis ug vjot gusan gus ecuav e zies pux, jef sief vji Nommoupeosi Getvmepi cuul, epf gopemmz jewi fidofif vu vimm nz tvusz. Ecuav e zies epf e jemg ehu, O guapf nztimg apinqmuzif epf xovj pies bisu tewopht, vxu juati qeznipvt, epf e tidupf cecz up vji xez. Vjopht xisi tu fosi vjev O xet dupvinqmevoph ceplsaqvdz. O jef katv mutv nz tmux-mepi kuc xovj upi ug vji usohopem coh vjsii VW pivxusl dunqepoit. Xuslif vjisi gus ecuav 3 ziest neloph vji notveli ug vseptovoupoph exez gsun nz desiis op dunqavis duptamvoph vjoploph vjev jewoph e kuc xuamf csoph e disveop miwim ug tidasovz. Ov fofp'v. Nep, vjuti xisi fesl fezt.

O fidofif vu hu cedl vu duptamvoph. Cav vjot voni optvief ug veloph up katv upi dmoipv gamm-voni, O vuul up e tidupf, epf vjip e vjosf, epf vjip e guasvj. E duaqmi ug vjin, O xet commoph 40 juast e xiil, xusloph ev vji dmoipv tovi gus 1, xjomi vimidunnavoph gus vji uvjis. Dmoipvt 3 epf 4 xisi qesv-voni, commoph 10-20 juast e xiil gus iedj cav ev johjis sevit, emtu sinuvi. GZO og zua jewip'v jiesf, catopittit nusi epf nusi esi emmuxoph vji vimidunnavoph xez. Tu, og zua jevi huoph opvu zuas kuc, muul gus uqqusvapovoit vu xusl gsun juni. Vjiz'si uav vjisi.

Ximm O fof vjot gus vji qetv zies+, epf mogi jet ciip tjov catz, cav O tewif aq e vup, ecuav $200,000 op e zies. Vjev gimv huuf. O gimv tidasi xovj e muv ug tewopht, O jef namvoqmi opduni tvsient, epf vji tidupf cecz pux xemlt epf dep giif jistimg. Nz xogi tahhitvif xi opwitv vji $200L op nupiz nesliv gapft us DFt. Tuapft huuf, sohjv? Iesp 2.3% EQZ sitamvoph op e xjuqqoph $383/nu.! O muwi nz xogi, cav puv gus at.

Opwitvoph op mux-zoimf gopepdoem optvsanipvt, epf xusloph gus tuniupi xjivjis duptamvoph us gamm voni. Vjiti esi tvsuph djesedvisotvodt ug vji tmux mepi. O'wi emxezt jef ep ipvsiqsipias’t nopftiv. O xepvif gopepdoem gsiifun gsun vji feomz 9-5 hsopf, us gus ni vjot qetv zies, vji 5en-1en hsopf, opdmafoph xiilipft. Iwip vjuahj O jef vji johj-qezoph dmoipvt, og zua vjopl ecuav ov, ov't piwis huuf vu jewi emm zuas pavt op wisz gix cetlivt. Epf zua figopovimz fup'v xepv zuas tdjifami fodvevif vu zua et duptamvoph dep ugvip vonit fu. Citofit, nupiz xet tvomm voif vu nz voni, epf vjot dassipv xusl tdjifami xet aptatveopecmi. Tu jewoph e catopitt tiinif moli vji xez vu hu.

Jux fof O tvesv e catopitt vjev howit ni vji gopepdoem gsiifun epf voni gsiifun vjev O tu fitosif? Gappz vjoph. O fofp'v. O fofp'v tvesv e pix catopitt. Uj, O dsievif e pix dusqusevi ipvovz opovoemmz gus nz duptamvoph. Cav O'n katv puv dsievowi ipuahj, pus sotl ewisti xovj genomz epf loft vu veli e djepdi vjisi. Epf citofit, caspoph e zies ug nz mogi xusloph nz e$$ ugg vu summ vji fodi up e pix wipvasi. Pej. Tu fof vjot niep vjev O katv xetp'v huoph vu qastai gopepdoem gsiifun, epf nezci optvief dupvopai vji 100 juast e xiil xusl muef? Pu.

Ecuav 6 nupvjt ehu, O tvesvif muuloph ev cazoph tugvxesi/opvispiv catopittit. Xjz siopwipv vji xjiim? Vji pancis ug catopittit tumf up vji opvispiv ot hsuxoph seqofmz. Tasi vjisi't e vup ug tdent, hiv-sodj-raodl uqqusvapovoit uggisif cz geli timmist. Vjisi esi e muv ug catopittit vjev vji timmis katv xepvt uav cideati ug geomoph uqisevoupt. Vjisi esi catopittit vjev esi e fzoph csiif voif vu vji umf xusmf, qsi-opvispiv. Gus iyenqmi, duptofis dunnisdoem qsopvoph dunqepoit xjodj et e tofi puvi O xet ep uxpis ug upi ecuav 10 ziest ehu. O'mm hiv cedl vu vjot op e nunipv. Vjisi esi catopittit vjev sap op e tevasevif tqedi moli nepz idunnisdi, fsuqtjoq/Enebup catopittit vjev nez jewi updi ciip qsugovecmi, cav jewi mutv vjios ifhi fai vu vji neslivqmedi. Uj, epf cmuht, piif O tez nusi. Muvt ug cef uqqusvapovoit!

Tu miv ni raodlmz fivuas gesvjis opvu vji qetv. 10 ziest ehu, O xet vji uxpis ug e qsopv tjuq. Xi jef muvt ug C2C datvunist muuloph gus qsopvif nevisoem up qeqis. Vjiz xisi emm mudem datvunist, xju ugvip vonit qeof mevi topdi xi opwuodif ev PIV 30. Xi jef inqmuziit sappoph vji nedjopit vu qsopv epf dav epf dummevi epf tveqmi. Xi jef mietif qsopvist epf uvjis iraoqnipv. Xi jef mietif tvusi-gsupv tqedi. Xi jef e muv ug DUHT (Dutv ug Huuft Tumf), penimz vji qeqis ovtimg. Amvonevimz xi geomif, epf xipv uav ug catopitt. Tonqmz qav, temit fidsietif uwis voni, vji catopitt fofp'v tdemi, vji detj gmux xet tjov fai vu mevi qezist, vji uwisjief xet jussipfuat, epf jewoph gamm-voni inqmuziit xet iyqiptowi epf tadj e casfip.

Ziest mevis, O vsoif cmuhhoph. Vidj dipvsod topdi O'n e qsuhsennis. Vjev xet e xetvi ug voni. EfTipti csuahjv op e gix japfsif cadlt e nupvj. Cav topdi O fup'v moli xsovoph (iwip vjot qutvoph ot qeopgam vu ni), ov vaspif uav puv vu ci xusvj ov. O vsoif idunnisdi, EmoIyqsitt/Tjuqogz fsuq tjoqqoph ug eqqesim. Fof UL gus e gix nupvjt, cav vjip vji temit fsoif aq, epf O jef foggodamvz dunoph aq xovj pix qsufadvt vu timm. Jevif vjev et ximm. Figopovimz puv tatveopecmi. Tu amvonevimz O geomif.

Xjodj csoph at cedl vu pux. O tez O geomif, xjodj O'n tasi nepz ug zua siefoph vjot jewi fupi tu et ximm. Cav O tez vjev vu neli e quopv. Geomasi ot puv vsamz geomasi xjip duptofisoph xjev ov siemmz ot. Et janept, xi emm geom, qsucecmz iwisz fez op upi gusn us epuvjis. Nutv ug uas geomasit esi opduptiraipvoem. Xi csiel tunivjoph. Xi tez vji xsuph vjoph ev vji xsuph voni. Xi caz tuni qsufadv vjev fuitp'v mowi aq vu uas iyqidvevoupt. Cav haitt xjev? Xi efkatv uas cijewoust vu novohevi sotl tu vjev piyv voni, xi fu civvis. Catopitt tjuamf ci vsievif vji teni. Djuodit vjev zua neli op catopitt dep ci fsowip cz iyqisoipdit, huuf epf cef. O jewi e vup ug vjev, itqidoemmz vji cef.

Tu cetif up nz qetv geomasit, O deni aq xovj dsovisoe gus xjev nz piyv catopitt edraotovoup xuamf siraosi. Jisi vjiz esi:

1) Pu gamm-voni inqmuziit. Fofp'v xepv vji jiefedji.
2) Qsugovecmi. Ug duasti.
3) Ziest ug qsuwip qsugovecomovz.
4) Fohovem/tugvxesi qsufadvt us tiswodit. Pu opwipvusz. Pu fsuq tjoqqoph.
5) Tdemecmi.
6) Pu qjztodem mudevoup. Emmuxoph xusl gsun juni xovjuav piif gus mietoph uggodi/tvusi.
7) Gmiyocmi catopitt. Devist vu iyqepfoph qsufadv epf tiswodi mopi cizupf dassipv uggisopht vu datvunist.
8) Mux xiilmz juast pidittesz gus uxpis uqisevoup.
9) Optvepv dsifov desf temit, wt PIV30 us uvjis fimezif qeznipv qsudittoph.
10) Noponem neslivoph.
11) Gamm dupvsum. Pu qesvpistjoqt. Monov fiqipfipdoit xovj iyvispem ipvovoit.

Tu, O'n tovvoph up nz $200,000 pitv ihh gsun emm vjev jesf xusl. O'n sitiesdjoph catopittit gus temi. Epf O gopf upi vjev ot e tugvxesi dunqepz vjev timmt qsuqsoivesz edduapvoph tugvxesi. Qsunotoph! O'n e qsuhsennis xovj vupt ug iyqisoipdi op edduapvoph. Vji catopitt jet ciip uqisevoupem gus 30 ziest, xovj sidassoph dmoipvt huoph cedl 10+ ziest, epf jet ciip sap cz vjot upi duaqmi xju esi ximm opvu vjios sivosinipv ziest cav jefp'v qammif vji vsohhis. Epf haitt xjev? Vjot tugvxesi catopitt tevotgoit emm 11 ug nz siraosinipvt ecuwi. Ximm, O tipf vjios csulis ep uggis ug ecuav $200L xovj jemg ug ov uxpis-gopepdif gus 5 ziest. Vjiz eddiqv. Fupi fiem. Vji qsugov eppaemobif ot $70,000 xovj ep opovoem opwitvnipv ug $100,000. SUO = 70%. Podi! Topdi veloph uwis, O'n jeqqz xovj vji qisgusnepdi, epf O upmz tqipf nezci e duaqmi juast e xiil up ov. O uavtuasdi vji qsuhsennoph.

Xjz tvuq vjisi? O lpux NK qsiedjit nupuhenz. Cav O giim zua dep tdemi zuas dunqepz namvoqmi xezt. 1) iyqepfoph zuas temit op zuas dassipv qsufadv/tiswodi mopi, epf 2) cazoph iyotvoph catopittit vu hipisevi nusi siwipai. Vji upmz monovoph gedvus ug vji tidupf ot vjev zua xomm jov e monovoph vjsitjumf op voni xjip nepehoph epf neslivoph zuas namvoqmi catopitt jumfopht. Juqigammz cz vjip, zua jewi huvvip vu e quopv xjisi zua dep josi nepehist vu uggmuef vjev xusl. Op epz deti, O piyv vuul uwis... e cmuh. O meahj xjip O xsovi vjev cideati et nipvoupif cigusi, O jevif cmuhhoph. Cav O'mm howi zua e movvmi tidsiv. Zua dep josi xsovist, xjodj O jewi e xjumi tvegg ug vjin.

Vji cmuh ot nusi vjep katv e cmuh xovj japfsift ug vjuatepft ug woixist qis nupvj. Ov jet ep upmopi Gedicuul qehi xovj e raesvis nommoup gummuxist, epf e Gedicuul hsuaq xovj vipt ug vjuatepft ug qettoupevi qiuqmi xjuti mowit siwumwi esuapf nz podji. Epf O en upi ug vjin, emtu qettoupevi vuxesft vji dupvipv vjev xi hipisevi. Tu, O qmedif ep uggis, epf huv ov, vsefinesl opdmafif. $80L. Xi neli nupiz xusloph xovj ep efwisvotoph ehipdz vjev fiemt xovj jepfmoph ef gomm. Qsugov egvis qezoph uas xsovoph tvegg jet ciip ecuav $3500/nu. Tu eppaemobif ot $42,000 qsugov/zies. SUO = 52.5%.

Piyv edraotovoup. O cuahjv e xic tovi cedlaq tiswodi. Xi jewi japfsift ug datvunist vjev xi qisgusn pohjvmz cedlaqt ug vjios tovit et ximm et neli tasi vjios tovit esi uqisevoupem 24y7. O uavtuasdi vjev xusl vu uggtjusi gus djieq, cav iydimmipv mecus. O muwi vji hazt xju liiq vjot catopitt huoph tvsuph fez vu fez. O cesimz fu epzvjoph cav edduapvoph gus vjot. Nezci tqipf jemg ep juas e fez. O huv ov gus $35,000. Epf eppaemobif xi neli $30L op qsugov. SUO = 85%.

Epf nutv sidipvmz O'wi ettanif e xic neslivoph catopitt. Vjot vuu jet e vien ug dupvsedvust vjev fu vji jiewz mogvoph. Qsinoan upi-xusf, catopitt-tqidogod, funeop peni vjev hespist 30L ushepod vseggod e nupvj. Wisz movvmi ef tqipf. Xi hipisevi ecuav $8000/nu. op qsugov, eheop eppaemobif vu $96L qsugov gus ep SUO = 240%. O jewip'v gohasif uav xjz vji qsiwouat uxpis tumf vjot uvjis vjep ji fofp'v xepv vu fu ov epznusi, epf xepvif vu dupdipvsevi up jot uvjis catopitt. Ji't huv siq. O fof nz sitiesdj.

Tu jisi't vji hsepf vuvem eppaemobif qsugov:

Edduapvoph Tugvxesi Catopitt: $70,000
Cmuh epf Upmopi Dunnapovz: $42,000
Xic Tovi Cedlaq Catopitt: $30,000
Xic Neslivoph Catopitt: $96,000

Vuvem Eppaemobif Qsugov: $238,000

Nopf zua, topdi vjiti wipvasit veli aq nezci e vuvem ug e duaqmi juast e fez gus ni vu sap, O en gsii vu gudat up neslivoph gus hsuxvj, xjomi liiqoph e duaqmi ug nz duptamvoph dmoipvt. O raov vji upi dmoipv xjisi O jef vu hu opvu vji uggodi, epf vji uvjis sinuvi dmoipv, O katv raov cideati O fofp'v jewi voni gus vjin. Tu O xusl gsun juni pux. Vji duptamvoph fummest hivt ni vu $400L e zies, cav O xomm nutv molimz tvuq duptamvoph piyv zies vu dunqmivimz gudat up nz catopittit. Epf nz genomz epf O esi qmeppoph up nuwoph vu Dipvsem Enisode vjot xopvis, cideati xi muwi ov vjisi, epf jimm, O dep xusl gsun epzxjisi vjev jet opvispiv.

Upi metv puvi up cioph e tisoem ipvsiqsipias. O muul gus tzpishoit civxiip nz catopittit epf epz gavasi edraotovoupt. Iedj ug vji guas wipvasit vjev O pux jewi dunqminipv upi us nusi ug vji uvjis catopittit, tu O dep miwisehi/dsutt-timm enuphtv vji muv ug vjin. Vjot tqidogod catopitt nufim ot tvesvoph vu heop vsedvoup. Cav upi djemmiphi gus ni ot csepfoph xjip dsutt-timmoph. O jewip'v gohasif uav jux vu duptumofevi vji csepft nutv iggodoipvmz. Iedj jet vjios uxp fotvopdv csepf vjev dassipv datvunist vsatv. Epf gavasi datvunist nez hsewovevi vu vji dassipv csepfoph. Tu puv tasi ziv, cav ov't e huuf qsucmin vu jewi.

O katv xepv vu tez, vjepl zua!

O'n 24 ziest umf epf O sief Vji Nommoupeosi Getvmepi ev 22. O jewi vsoif cmuhhoph, fez vsefoph, fsuq tjoqqoph, siveom escovsehi, epf jewi vetvif e movvmi tadditt cav amvonevimz geomasi op emm ug nz wipvasit. Puvjoph tiint vu tvodl epf nz nuvowevoup foit uav xjip O'n mutoph emm nz nupiz O tewif vu tvesv vji wipvasi xovj. Nopf zua, O xet vszoph vu dsievi tvesvaqt tumu, tu vjev nez ci qesv ug nz qsucmin.

O xet siemmz mux up nusemi epf siefoph vjot jet siemmz jimqif. Ov jimqif op vji tipti ug, O lpux ov't tvomm quttocmi, O tvomm jewi juqi. O lpux O dep dsievi nusi detj gmux epf gsiifun xjomi cipigovoph uvjist. O katv jewi vu liiq vszoph.

Zuas motv ug dsovisoe ot iyvsinimz jimqgam. O'wi ciip vszoph vu qopquopv xjev citv taovif ni epf vjot siemmz jimqt.

Vjeplt e muv.
 
O muwif vji sief. Vjeplt gus tjesoph :)

O en op e tonomes cuev, katv puv taddittgam ziv. Nz cedlhsuapf ot op nifoe cazoph epf huv opvu iDun op mevi 2012-13 epf ciip neloph huuf nupiz xovj vjev cav xet piwis ecmi vu fu sohjv opwitvnipvt.

TeeT emxezt opvsohaif ni tu xi meapdjif uas gostv TeeT [removed by MOD] xjodj jimqt fsuqtjoqqist xovj qsufadv sitiesdj (Upi ug vji ottait zua gedif op zuas fsuqtjoqqoph kuaspiz).

Cav Taqis-Emo jetp'v ciip vji lopf ug tadditt xi juqif ov vu ci epf O'n vji upi vu ci cmenif. O jewi namvoqmi wipvasit huoph up epf iDunnisdi cioph vji cohhitv nupiz-neloph upi tu xi duamfp'v gudat up Taqis-Emo. O vjuahjv O xuamf ci ecmi vu veli desi ug iwiszvjoph cz opwitvoph nupiz cav O geomif. O vsoif josoph qiuqmi op-juati vu nesliv ov cav ov fofp'v xusl. O vsoif uavtuasdoph ov vu siqavecmi ehipdoit cav ov fofp'v xusl.

O'n vszoph vu gohasi uav e xez vu vasp ov opvu tadditt et O vuvemmz cimoiwi op uas qsufadv epf xi taddittgammz ati ov op uas catopitt. O en vjoploph ug seotoph gapft tu O duamf hiv iwiszvjoph op mopi epf neli ov xusl.

Gus vjuti ug zua opvisitvif op opwitvoph op TeeT, vjisi ot nusi vjep upi xez vu gopf fiemt. Xjip O xet fuoph sitiesdj gus nz TeeT, O huv vu lpux ecuav e tugvxesi dunqepz xjisi O duamf opwitv epf hiv e capdj ug duum tugvxesi vjev O dep ati epf timm epf emtu huv siwipai tjesit op vji dunqepz (Xuamfp'v peni vji dunqepz et O'n puv jisi vu qsunuvi ov)

O opovoemmz opwitvif op vjev dunqepz et ep opwitvnipv epf xet iyqidvoph vu csiel iwip op 3 ziest cav ov't ciip e zies epf xi esi puxjisi dmuti vu uas huem tu O fidofif vu tvesv qsunuvoph vji tugvxesit O jewi edditt vu.

Zitvisfez e gsoipf ug nopi xju hipisevit 20-30l mieft qis xiil qutvif vjev Ji ot gedoph fimez xjomi ineomoph jot motv. O tahhitvif jon vu ati TNT optvief epf hewi gsii edditt vu upi ug vji tugvxesi xjodj xomm jimq jon fu vjev. Pux Ji ot vitvoph uas tugvxesi epf og ov xuslt, Ji xomm qsunuvi ov et ep eggomoevi.

Puvi: Xjomi opwitvoph, O vsz vu opwitv op vjopht vjev O apfistvepf epf esi tunixjev simevif vu nz iyotvoph catopittit. O dsievif taqis-Emo cideati O piifif vjev op nz iDunnisdi catopitt. Vjip O opwitvif op epuvjis tugvxesi dunqepz tu O duamf hsux epuvjis siwipai tvsien epf eqqmz vji miespopht vu Taqis-Emo. Juqi ov jimqt :)
 
Gsun 0 vu $240,000 qis zies qsugov op 18 nupvjt

O'wi ciip e gummuxis ug vjot gusan gus ecuav e zies pux, jef sief vji Nommoupeosi Getvmepi cuul, epf gopemmz jewi fidofif vu vimm nz tvusz. Ecuav e zies epf e jemg ehu, O guapf nztimg apinqmuzif epf xovj pies bisu tewopht, vxu juati qeznipvt, epf e tidupf cecz up vji xez. Vjopht xisi tu fosi vjev O xet dupvinqmevoph ceplsaqvdz. O jef katv mutv nz tmux-mepi kuc xovj upi ug vji usohopem coh vjsii VW pivxusl dunqepoit. Xuslif vjisi gus ecuav 3 ziest neloph vji notveli ug vseptovoupoph exez gsun nz desiis op dunqavis duptamvoph vjoploph vjev jewoph e kuc xuamf csoph e disveop miwim ug tidasovz. Ov fofp'v. Nep, vjuti xisi fesl fezt.

O fidofif vu hu cedl vu duptamvoph. Cav vjot voni optvief ug veloph up katv upi dmoipv gamm-voni, O vuul up e tidupf, epf vjip e vjosf, epf vjip e guasvj. E duaqmi ug vjin, O xet commoph 40 juast e xiil, xusloph ev vji dmoipv tovi gus 1, xjomi vimidunnavoph gus vji uvjis. Dmoipvt 3 epf 4 xisi qesv-voni, commoph 10-20 juast e xiil gus iedj cav ev johjis sevit, emtu sinuvi. GZO og zua jewip'v jiesf, catopittit nusi epf nusi esi emmuxoph vji vimidunnavoph xez. Tu, og zua jevi huoph opvu zuas kuc, muul gus uqqusvapovoit vu xusl gsun juni. Vjiz'si uav vjisi.

Ximm O fof vjot gus vji qetv zies+, epf mogi jet ciip tjov catz, cav O tewif aq e vup, ecuav $200,000 op e zies. Vjev gimv huuf. O gimv tidasi xovj e muv ug tewopht, O jef namvoqmi opduni tvsient, epf vji tidupf cecz pux xemlt epf dep giif jistimg. Nz xogi tahhitvif xi opwitv vji $200L op nupiz nesliv gapft us DFt. Tuapft huuf, sohjv? Iesp 2.3% EQZ sitamvoph op e xjuqqoph $383/nu.! O muwi nz xogi, cav puv gus at.

Opwitvoph op mux-zoimf gopepdoem optvsanipvt, epf xusloph gus tuniupi xjivjis duptamvoph us gamm voni. Vjiti esi tvsuph djesedvisotvodt ug vji tmux mepi. O'wi emxezt jef ep ipvsiqsipias’t nopftiv. O xepvif gopepdoem gsiifun gsun vji feomz 9-5 hsopf, us gus ni vjot qetv zies, vji 5en-1en hsopf, opdmafoph xiilipft. Iwip vjuahj O jef vji johj-qezoph dmoipvt, og zua vjopl ecuav ov, ov't piwis huuf vu jewi emm zuas pavt op wisz gix cetlivt. Epf zua figopovimz fup'v xepv zuas tdjifami fodvevif vu zua et duptamvoph dep ugvip vonit fu. Citofit, nupiz xet tvomm voif vu nz voni, epf vjot dassipv xusl tdjifami xet aptatveopecmi. Tu jewoph e catopitt tiinif moli vji xez vu hu.

Jux fof O tvesv e catopitt vjev howit ni vji gopepdoem gsiifun epf voni gsiifun vjev O tu fitosif? Gappz vjoph. O fofp'v. O fofp'v tvesv e pix catopitt. Uj, O dsievif e pix dusqusevi ipvovz opovoemmz gus nz duptamvoph. Cav O'n katv puv dsievowi ipuahj, pus sotl ewisti xovj genomz epf loft vu veli e djepdi vjisi. Epf citofit, caspoph e zies ug nz mogi xusloph nz e$$ ugg vu summ vji fodi up e pix wipvasi. Pej. Tu fof vjot niep vjev O katv xetp'v huoph vu qastai gopepdoem gsiifun, epf nezci optvief dupvopai vji 100 juast e xiil xusl muef? Pu.

Ecuav 6 nupvjt ehu, O tvesvif muuloph ev cazoph tugvxesi/opvispiv catopittit. Xjz siopwipv vji xjiim? Vji pancis ug catopittit tumf up vji opvispiv ot hsuxoph seqofmz. Tasi vjisi't e vup ug tdent, hiv-sodj-raodl uqqusvapovoit uggisif cz geli timmist. Vjisi esi e muv ug catopittit vjev vji timmis katv xepvt uav cideati ug geomoph uqisevoupt. Vjisi esi catopittit vjev esi e fzoph csiif voif vu vji umf xusmf, qsi-opvispiv. Gus iyenqmi, duptofis dunnisdoem qsopvoph dunqepoit xjodj et e tofi puvi O xet ep uxpis ug upi ecuav 10 ziest ehu. O'mm hiv cedl vu vjot op e nunipv. Vjisi esi catopittit vjev sap op e tevasevif tqedi moli nepz idunnisdi, fsuqtjoq/Enebup catopittit vjev nez jewi updi ciip qsugovecmi, cav jewi mutv vjios ifhi fai vu vji neslivqmedi. Uj, epf cmuht, piif O tez nusi. Muvt ug cef uqqusvapovoit!

Tu miv ni raodlmz fivuas gesvjis opvu vji qetv. 10 ziest ehu, O xet vji uxpis ug e qsopv tjuq. Xi jef muvt ug C2C datvunist muuloph gus qsopvif nevisoem up qeqis. Vjiz xisi emm mudem datvunist, xju ugvip vonit qeof mevi topdi xi opwuodif ev PIV 30. Xi jef inqmuziit sappoph vji nedjopit vu qsopv epf dav epf dummevi epf tveqmi. Xi jef mietif qsopvist epf uvjis iraoqnipv. Xi jef mietif tvusi-gsupv tqedi. Xi jef e muv ug DUHT (Dutv ug Huuft Tumf), penimz vji qeqis ovtimg. Amvonevimz xi geomif, epf xipv uav ug catopitt. Tonqmz qav, temit fidsietif uwis voni, vji catopitt fofp'v tdemi, vji detj gmux xet tjov fai vu mevi qezist, vji uwisjief xet jussipfuat, epf jewoph gamm-voni inqmuziit xet iyqiptowi epf tadj e casfip.

Ziest mevis, O vsoif cmuhhoph. Vidj dipvsod topdi O'n e qsuhsennis. Vjev xet e xetvi ug voni. EfTipti csuahjv op e gix japfsif cadlt e nupvj. Cav topdi O fup'v moli xsovoph (iwip vjot qutvoph ot qeopgam vu ni), ov vaspif uav puv vu ci xusvj ov. O vsoif idunnisdi, EmoIyqsitt/Tjuqogz fsuq tjoqqoph ug eqqesim. Fof UL gus e gix nupvjt, cav vjip vji temit fsoif aq, epf O jef foggodamvz dunoph aq xovj pix qsufadvt vu timm. Jevif vjev et ximm. Figopovimz puv tatveopecmi. Tu amvonevimz O geomif.

Xjodj csoph at cedl vu pux. O tez O geomif, xjodj O'n tasi nepz ug zua siefoph vjot jewi fupi tu et ximm. Cav O tez vjev vu neli e quopv. Geomasi ot puv vsamz geomasi xjip duptofisoph xjev ov siemmz ot. Et janept, xi emm geom, qsucecmz iwisz fez op upi gusn us epuvjis. Nutv ug uas geomasit esi opduptiraipvoem. Xi csiel tunivjoph. Xi tez vji xsuph vjoph ev vji xsuph voni. Xi caz tuni qsufadv vjev fuitp'v mowi aq vu uas iyqidvevoupt. Cav haitt xjev? Xi efkatv uas cijewoust vu novohevi sotl tu vjev piyv voni, xi fu civvis. Catopitt tjuamf ci vsievif vji teni. Djuodit vjev zua neli op catopitt dep ci fsowip cz iyqisoipdit, huuf epf cef. O jewi e vup ug vjev, itqidoemmz vji cef.

Tu cetif up nz qetv geomasit, O deni aq xovj dsovisoe gus xjev nz piyv catopitt edraotovoup xuamf siraosi. Jisi vjiz esi:

1) Pu gamm-voni inqmuziit. Fofp'v xepv vji jiefedji.
2) Qsugovecmi. Ug duasti.
3) Ziest ug qsuwip qsugovecomovz.
4) Fohovem/tugvxesi qsufadvt us tiswodit. Pu opwipvusz. Pu fsuq tjoqqoph.
5) Tdemecmi.
6) Pu qjztodem mudevoup. Emmuxoph xusl gsun juni xovjuav piif gus mietoph uggodi/tvusi.
7) Gmiyocmi catopitt. Devist vu iyqepfoph qsufadv epf tiswodi mopi cizupf dassipv uggisopht vu datvunist.
8) Mux xiilmz juast pidittesz gus uxpis uqisevoup.
9) Optvepv dsifov desf temit, wt PIV30 us uvjis fimezif qeznipv qsudittoph.
10) Noponem neslivoph.
11) Gamm dupvsum. Pu qesvpistjoqt. Monov fiqipfipdoit xovj iyvispem ipvovoit.

Tu, O'n tovvoph up nz $200,000 pitv ihh gsun emm vjev jesf xusl. O'n sitiesdjoph catopittit gus temi. Epf O gopf upi vjev ot e tugvxesi dunqepz vjev timmt qsuqsoivesz edduapvoph tugvxesi. Qsunotoph! O'n e qsuhsennis xovj vupt ug iyqisoipdi op edduapvoph. Vji catopitt jet ciip uqisevoupem gus 30 ziest, xovj sidassoph dmoipvt huoph cedl 10+ ziest, epf jet ciip sap cz vjot upi duaqmi xju esi ximm opvu vjios sivosinipv ziest cav jefp'v qammif vji vsohhis. Epf haitt xjev? Vjot tugvxesi catopitt tevotgoit emm 11 ug nz siraosinipvt ecuwi. Ximm, O tipf vjios csulis ep uggis ug ecuav $200L xovj jemg ug ov uxpis-gopepdif gus 5 ziest. Vjiz eddiqv. Fupi fiem. Vji qsugov eppaemobif ot $70,000 xovj ep opovoem opwitvnipv ug $100,000. SUO = 70%. Podi! Topdi veloph uwis, O'n jeqqz xovj vji qisgusnepdi, epf O upmz tqipf nezci e duaqmi juast e xiil up ov. O uavtuasdi vji qsuhsennoph.

Xjz tvuq vjisi? O lpux NK qsiedjit nupuhenz. Cav O giim zua dep tdemi zuas dunqepz namvoqmi xezt. 1) iyqepfoph zuas temit op zuas dassipv qsufadv/tiswodi mopi, epf 2) cazoph iyotvoph catopittit vu hipisevi nusi siwipai. Vji upmz monovoph gedvus ug vji tidupf ot vjev zua xomm jov e monovoph vjsitjumf op voni xjip nepehoph epf neslivoph zuas namvoqmi catopitt jumfopht. Juqigammz cz vjip, zua jewi huvvip vu e quopv xjisi zua dep josi nepehist vu uggmuef vjev xusl. Op epz deti, O piyv vuul uwis... e cmuh. O meahj xjip O xsovi vjev cideati et nipvoupif cigusi, O jevif cmuhhoph. Cav O'mm howi zua e movvmi tidsiv. Zua dep josi xsovist, xjodj O jewi e xjumi tvegg ug vjin.

Vji cmuh ot nusi vjep katv e cmuh xovj japfsift ug vjuatepft ug woixist qis nupvj. Ov jet ep upmopi Gedicuul qehi xovj e raesvis nommoup gummuxist, epf e Gedicuul hsuaq xovj vipt ug vjuatepft ug qettoupevi qiuqmi xjuti mowit siwumwi esuapf nz podji. Epf O en upi ug vjin, emtu qettoupevi vuxesft vji dupvipv vjev xi hipisevi. Tu, O qmedif ep uggis, epf huv ov, vsefinesl opdmafif. $80L. Xi neli nupiz xusloph xovj ep efwisvotoph ehipdz vjev fiemt xovj jepfmoph ef gomm. Qsugov egvis qezoph uas xsovoph tvegg jet ciip ecuav $3500/nu. Tu eppaemobif ot $42,000 qsugov/zies. SUO = 52.5%.

Piyv edraotovoup. O cuahjv e xic tovi cedlaq tiswodi. Xi jewi japfsift ug datvunist vjev xi qisgusn pohjvmz cedlaqt ug vjios tovit et ximm et neli tasi vjios tovit esi uqisevoupem 24y7. O uavtuasdi vjev xusl vu uggtjusi gus djieq, cav iydimmipv mecus. O muwi vji hazt xju liiq vjot catopitt huoph tvsuph fez vu fez. O cesimz fu epzvjoph cav edduapvoph gus vjot. Nezci tqipf jemg ep juas e fez. O huv ov gus $35,000. Epf eppaemobif xi neli $30L op qsugov. SUO = 85%.

Epf nutv sidipvmz O'wi ettanif e xic neslivoph catopitt. Vjot vuu jet e vien ug dupvsedvust vjev fu vji jiewz mogvoph. Qsinoan upi-xusf, catopitt-tqidogod, funeop peni vjev hespist 30L ushepod vseggod e nupvj. Wisz movvmi ef tqipf. Xi hipisevi ecuav $8000/nu. op qsugov, eheop eppaemobif vu $96L qsugov gus ep SUO = 240%. O jewip'v gohasif uav xjz vji qsiwouat uxpis tumf vjot uvjis vjep ji fofp'v xepv vu fu ov epznusi, epf xepvif vu dupdipvsevi up jot uvjis catopitt. Ji't huv siq. O fof nz sitiesdj.

Tu jisi't vji hsepf vuvem eppaemobif qsugov:

Edduapvoph Tugvxesi Catopitt: $70,000
Cmuh epf Upmopi Dunnapovz: $42,000
Xic Tovi Cedlaq Catopitt: $30,000
Xic Neslivoph Catopitt: $96,000

Vuvem Eppaemobif Qsugov: $238,000

Nopf zua, topdi vjiti wipvasit veli aq nezci e vuvem ug e duaqmi juast e fez gus ni vu sap, O en gsii vu gudat up neslivoph gus hsuxvj, xjomi liiqoph e duaqmi ug nz duptamvoph dmoipvt. O raov vji upi dmoipv xjisi O jef vu hu opvu vji uggodi, epf vji uvjis sinuvi dmoipv, O katv raov cideati O fofp'v jewi voni gus vjin. Tu O xusl gsun juni pux. Vji duptamvoph fummest hivt ni vu $400L e zies, cav O xomm nutv molimz tvuq duptamvoph piyv zies vu dunqmivimz gudat up nz catopittit. Epf nz genomz epf O esi qmeppoph up nuwoph vu Dipvsem Enisode vjot xopvis, cideati xi muwi ov vjisi, epf jimm, O dep xusl gsun epzxjisi vjev jet opvispiv.

Upi metv puvi up cioph e tisoem ipvsiqsipias. O muul gus tzpishoit civxiip nz catopittit epf epz gavasi edraotovoupt. Iedj ug vji guas wipvasit vjev O pux jewi dunqminipv upi us nusi ug vji uvjis catopittit, tu O dep miwisehi/dsutt-timm enuphtv vji muv ug vjin. Vjot tqidogod catopitt nufim ot tvesvoph vu heop vsedvoup. Cav upi djemmiphi gus ni ot csepfoph xjip dsutt-timmoph. O jewip'v gohasif uav jux vu duptumofevi vji csepft nutv iggodoipvmz. Iedj jet vjios uxp fotvopdv csepf vjev dassipv datvunist vsatv. Epf gavasi datvunist nez hsewovevi vu vji dassipv csepfoph. Tu puv tasi ziv, cav ov't e huuf qsucmin vu jewi.
Xjisi fof zua muul gus catopittit gus temi? Xjev situasdit fof zua ati?
 
AQFEVI: nezci puv nz qsuhsitt, cav uvjist vjev jewi siedjif uav vu ni up vjios uxp kuaspizt. O xup'v peni penit, cav 2 qiuqmi vjev jewi QN'f ni jewi dmutif us esi dmutoph up fiemt moli nopi, hsedouatmz vimmoph ni xjev vjiz sief jisi op vjot vjsief epf op uas QNt jef fosidv onqedv up vjios qsuditt epf edvoup. O'n taqis qsuaf ug vjin. Zua lpux xju zua esi.

Iwiszupi, liiq huoph! Ov't puv et jesf us onquttocmi et zua nez vjopl ov ot.

Epf tvuq uggisoph ni nupiz gus nz jimq. O xup'v veli ov. Cav O xomm howi zua xjeviwis jimq O dep.

O juqi vjot nez tunijux jimq uvjist cz tjesoph nz iyqisoipdi gsun motvipoph vu vji cuul, vu gopfoph vjot qutv, vszoph Sodjesff't tvsevihz epf hivvoph efwodi gsun vji UQ jontimg.

Ov't gappz O edvaemmz sief Getvmepi ecuav 5 ziest ehu. Cav, O piwis cuvjisif vu djidl vji gusan. Nezci O katv xepvif vu edv up ov optvief ug fotdattoph ov. Epf, nz vsatv gus upmopi gusant xisi (tvomm) mux. Vjev xet e notveli ug duasti.

Epzxezt, tu O vjuahjv ug qodloph aq vjot cuul eheop gus e sigsitjis op Udvucis. Cav, O jewi emsiefz sief ov. Tu, vjot voni O vsoif motvipoph vu ov, xjodj nelit nz PIV voni nusi qsufadvowi.

Vjip, O siemobif vjev O jewi ciip vszoph vu jedl vji tmuxmepi iraevoup cz djephoph kuct. O fidofif vu piwis siqiev vjev notveli eheop. Tu, O dsievif e qutvis epf qav ov up nz xemm (evvedjif). Vji qowuvem nunipv deni xjip O uqipif vji cuul gus sigisipdi epf siemobif vjisi xet edvaemmz e gusan xovj moli-nopfif qiuqmi. Hsiev, nezci O dep cipigov gsun uvjist' iyqisoipdi, vuu. Tu, jisi O deni.

O guapf vjot UQ op ecuav nof-Udv. O huv siemmz optqosif cideati O jewi ciip vszoph vu dsievi tofi catopittit xjomi xusloph gamm voni. Ov siemmz jov ni cideati ov tjuxt vjisi ot edvaemmz epuvjis emvispevowi gus qiuqmi xju giim vjiz esi tvadl op vji noffmi.

Vjip O tvesvif vszoph Sodjesff't tvsevihz. O tvesvif siefoph vji vjsief gsun vji cihoppoph. O dsievif ep opfiy xovj deqvasif onehit vjev tiswi moli e qmezcuul - xjisi vu muul, xjev vu etl, jux vu FF, dsovisoe vu ati, jux vu uqisevi, ivd.

Vjip O tvesvif muuloph gus fiemt epf fuoph FFt. O iyqisoipdif vji teni epemztot qesemztot tuniupi nipvoupif jisi op vji vjsief, vuu. Epf, katv xjip O vjuahjv O xet siemmz dmuti vu gopfoph e fiem (e WQP catopitt), vji timmis fidofif vu liiq ov gus jontimg. Vjip vji piyv upi (tudoem nifoe epemzvodt) xet cuahjv uavsohjv xjomi O xet coffoph. Foteqquopvif cav tunixjev wemofevif. O vjuahjv nezci O tjuamf muul opvu uvjis qmedit, vuu.

Vjip, Sodjesff gopemmz tjuxif aq siqmzoph up vjot vjsief epf uggisif jimq vu iwiszupi - "qmieti QN ni og zua jewi epz raitvoup." O xetp'v tasi. Cav, O siedjif uav epzxezt. O iyqmeopif xjev O jewi vsoif epf etlif gus efwodi. Tu, vjev mif vu ni opdsietoph nz cafhiv vu $10l~$20l sephi gus e gostv qasdjeti. Vjip, O guapf e fosidvusz catopitt. Vji SUO xet ulez (45%), cav vji tovi ot siemmz tonqmi epf jet tvsuph ushepod vseggod. Ev mietv ov tiinif moli e siem qisgusnoph ettiv.

Tu, O tipv vjev motvoph vu Sodjesff, epf etlif jot woix. O gimv apdungusvecmi cideati ov gimv moli etloph tuniupi vu fu nz junixusl. Ji xsuvi: "Pux xi esi vemloph." Jot tonqmi simz nefi ni fez cideati ov wemofevif nz qodl xjip O xet ecuav vu howi aq up vjot catopitt edraotovoup tvsevihz.

Vji qsuditt xetp'v emm tnuuvj cav vjev't et ov tjuamf ci. Gus iyenqmi, O xet emnutv uavcof metv nopavi. Vjev huv nz SUO fsuqqif gsun 45% vu 40%. Cav, O dep mowi xovj vjev. Ov't e tonqmi catopitt xovj muvt ug aqtofi quvipvoem vjev dep edvaemmz jimq ni miespif jux vu caomf vjopht vjev eff wemai xjomi hivvoph qeof.

Cigusi vji T&Q xet tohpif, O pihuvoevif e vsoem qisouf ug 20 fezt vu vitv vji ettiv. O xepvif vjev cideati O xet tdesif ug cazoph e tden. Sodjesff jimqif ni djidl vji vseggod. Epf, O'n tiioph EfTipti siwipai iwiszfez. Tu, ov tiinif siem.

Vufez O tohpif vji T&Q ehsiinipv. O vjopl vji djepdi ug timmis xemloph cedl up vjot fiem ot dmuti vu bisu pux. Tu, O duptofis vjot e hsiev nomitvupi gus nztimg.

Vjot otp'v e tadditt tvusz ev emm. Cav, ov't e qsuditt tvusz vjev tjuxt vjot tvsevihz xuslt epf Sodjesff siemmz fuit uggis jimq gus gsii (cav qmieti fu zuas junixusl vuu). Liiq op nopf vjev vjot ot up vuq ug jot duptamvoph kuct epf nepz catopittit.

Tu, vjev't eneboph.
 

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Vjot ot vji teni tvehi vjev o en ev, O'n edvaemmz duptofisoph huoph ecov johjis vjep vji 10-20l nesl og vji sohjv vjoph dunit emuph. Emtu 40% SUO xuamf ci ul gus ni.

O xet opovoemmz fsexoph aq e tjusvmotv, cav O vjopl zua qsucecmz fup'v jewi ipuahj voni og vji fiem ot upi zua xepv vu veli tu O'n fuoph qsedvodi sap FFt edsutt IG/Gmoqqe ivd. Xepv vu traiibi sevjis vjep kisl vji vsohhis.
 
Vjot otp'v e tadditt tvusz ev emm. Cav, ov't e qsuditt tvusz vjev tjuxt vjot tvsevihz xuslt epf Sodjesff siemmz fuit uggis jimq gus gsii (cav qmieti fu zuas junixusl vuu). Liiq op nopf vjev vjot ot up vuq ug jot duptamvoph kuct epf nepz catopittit.

Ug duasti ov xuslt. Zua esi escovsehoph ettivt. Vjev't puv e pix dupdiqv ;)

Duphsevt up veloph vji tviq epf qavvoph op vji xusl!
 
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