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From 0 To $240,000 Per Year PROFIT In 18 Months (Acquisition Entrepreneurship)

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From 0 to $240,000 per year profit in 18 months

I've been a follower of this forum for about a year now, had read the Millionaire Fastlane book, and finally have decided to tell my story. About a year and a half ago, I found myself unemployed and with near zero savings, two house payments, and a second baby on the way. Things were so dire that I was contemplating bankruptcy. I had just lost my slow-lane job with one of the original big three TV network companies. Worked there for about 3 years making the mistake of transitioning away from my career in computer consulting thinking that having a job would bring a certain level of security. It didn't. Man, those were dark days.

I decided to go back to consulting. But this time instead of taking on just one client full-time, I took on a second, and then a third, and then a fourth. A couple of them, I was billing 40 hours a week, working at the client site for 1, while telecommuting for the other. Clients 3 and 4 were part-time, billing 10-20 hours a week for each but at higher rates, also remote. FYI if you haven't heard, businesses more and more are allowing the telecommuting way. So, if you hate going into your job, look for opportunities to work from home. They're out there.

Well I did this for the past year+, and life has been shit busy, but I saved up a ton, about $200,000 in a year. That felt good. I felt secure with a lot of savings, I had multiple income streams, and the second baby now walks and can feed herself. My wife suggested we invest the $200K in money market funds or CDs. Sounds good, right? Earn 2.3% APY resulting in a whopping $383/mo.! I love my wife, but not for us.

Investing in low-yield financial instruments, and working for someone whether consulting or full time. These are strong characteristics of the slow lane. I've always had an entrepreneur’s mindset. I wanted financial freedom from the daily 9-5 grind, or for me this past year, the 5am-1am grind, including weekends. Even though I had the high-paying clients, if you think about it, it's never good to have all your nuts in very few baskets. And you definitely don't want your schedule dictated to you as consulting can often times do. Besides, money was still tied to my time, and this current work schedule was unsustainable. So having a business seemed like the way to go.

How did I start a business that gives me the financial freedom and time freedom that I so desired? Funny thing. I didn't. I didn't start a new business. Oh, I created a new corporate entity initially for my consulting. But I'm just not creative enough, nor risk averse with family and kids to take a chance there. And besides, burning a year of my life working my a$$ off to roll the dice on a new venture. Nah. So did this mean that I just wasn't going to pursue financial freedom, and maybe instead continue the 100 hours a week work load? No.

About 6 months ago, I started looking at buying software/internet businesses. Why reinvent the wheel? The number of businesses sold on the internet is growing rapidly. Sure there's a ton of scams, get-rich-quick opportunities offered by fake sellers. There are a lot of businesses that the seller just wants out because of failing operations. There are businesses that are a dying breed tied to the old world, pre-internet. For example, consider commercial printing companies which as a side note I was an owner of one about 10 years ago. I'll get back to this in a moment. There are businesses that run in a saturated space like many ecommerce, dropship/Amazon businesses that may have once been profitable, but have lost their edge due to the marketplace. Oh, and blogs, need I say more. Lots of bad opportunities!

So let me quickly detour farther into the past. 10 years ago, I was the owner of a print shop. We had lots of B2B customers looking for printed material on paper. They were all local customers, who often times paid late since we invoiced at NET 30. We had employees running the machines to print and cut and collate and staple. We had leased printers and other equipment. We had leased store-front space. We had a lot of COGS (Cost of Goods Sold), namely the paper itself. Ultimately we failed, and went out of business. Simply put, sales decreased over time, the business didn't scale, the cash flow was shit due to late payers, the overhead was horrendous, and having full-time employees was expensive and such a burden.

Years later, I tried blogging. Tech centric since I'm a programmer. That was a waste of time. AdSense brought in a few hundred bucks a month. But since I don't like writing (even this posting is painful to me), it turned out not to be worth it. I tried ecommerce, AliExpress/Shopify drop shipping of apparel. Did OK for a few months, but then the sales dried up, and I had difficulty coming up with new products to sell. Hated that as well. Definitely not sustainable. So ultimately I failed.

Which bring us back to now. I say I failed, which I'm sure many of you reading this have done so as well. But I say that to make a point. Failure is not truly failure when considering what it really is. As humans, we all fail, probably every day in one form or another. Most of our failures are inconsequential. We break something. We say the wrong thing at the wrong time. We buy some product that doesn't live up to our expectations. But guess what? We adjust our behaviors to mitigate risk so that next time, we do better. Business should be treated the same. Choices that you make in business can be driven by experiences, good and bad. I have a ton of that, especially the bad.

So based on my past failures, I came up with criteria for what my next business acquisition would require. Here they are:

1) No full-time employees. Didn't want the headache.
2) Profitable. Of course.
3) Years of proven profitability.
4) Digital/software products or services. No inventory. No drop shipping.
5) Scalable.
6) No physical location. Allowing work from home without need for leasing office/store.
7) Flexible business. Caters to expanding product and service line beyond current offerings to customers.
8) Low weekly hours necessary for owner operation.
9) Instant credit card sales, vs NET30 or other delayed payment processing.
10) Minimal marketing.
11) Full control. No partnerships. Limit dependencies with external entities.

So, I'm sitting on my $200,000 nest egg from all that hard work. I'm researching businesses for sale. And I find one that is a software company that sells proprietary accounting software. Promising! I'm a programmer with tons of experience in accounting. The business has been operational for 30 years, with recurring clients going back 10+ years, and has been run by this one couple who are well into their retirement years but hadn't pulled the trigger. And guess what? This software business satisfies all 11 of my requirements above. Well, I send their broker an offer of about $200K with half of it owner-financed for 5 years. They accept. Done deal. The profit annualized is $70,000 with an initial investment of $100,000. ROI = 70%. Nice! Since taking over, I'm happy with the performance, and I only spend maybe a couple hours a week on it. I outsource the programming.

Why stop there? I know MJ preaches monogamy. But I feel you can scale your company multiple ways. 1) expanding your sales in your current product/service line, and 2) buying existing businesses to generate more revenue. The only limiting factor of the second is that you will hit a limiting threshold in time when managing and marketing your multiple business holdings. Hopefully by then, you have gotten to a point where you can hire managers to offload that work. In any case, I next took over... a blog. I laugh when I write that because as mentioned before, I hated blogging. But I'll give you a little secret. You can hire writers, which I have a whole staff of them.

The blog is more than just a blog with hundreds of thousands of viewers per month. It has an online Facebook page with a quarter million followers, and a Facebook group with tens of thousands of passionate people whose lives revolve around my niche. And I am one of them, also passionate towards the content that we generate. So, I placed an offer, and got it, trademark included. $80K. We make money working with an advertising agency that deals with handling ad fill. Profit after paying our writing staff has been about $3500/mo. So annualized is $42,000 profit/year. ROI = 52.5%.

Next acquisition. I bought a web site backup service. We have hundreds of customers that we perform nightly backups of their sites as well as make sure their sites are operational 24x7. I outsource that work to offshore for cheap, but excellent labor. I love the guys who keep this business going strong day to day. I barely do anything but accounting for this. Maybe spend half an hour a day. I got it for $35,000. And annualized we make $30K in profit. ROI = 85%.

And most recently I've assumed a web marketing business. This too has a team of contractors that do the heavy lifting. Premium one-word, business-specific, domain name that garners 30K organic traffic a month. Very little ad spend. We generate about $8000/mo. in profit, again annualized to $96K profit for an ROI = 240%. I haven't figured out why the previous owner sold this other than he didn't want to do it anymore, and wanted to concentrate on his other business. He's got rep. I did my research.

So here's the grand total annualized profit:

Accounting Software Business: $70,000
Blog and Online Community: $42,000
Web Site Backup Business: $30,000
Web Marketing Business: $96,000

Total Annualized Profit: $238,000

Mind you, since these ventures take up maybe a total of a couple hours a day for me to run, I am free to focus on marketing for growth, while keeping a couple of my consulting clients. I quit the one client where I had to go into the office, and the other remote client, I just quit because I didn't have time for them. So I work from home now. The consulting dollars gets me to $400K a year, but I will most likely stop consulting next year to completely focus on my businesses. And my family and I are planning on moving to Central America this winter, because we love it there, and hell, I can work from anywhere that has internet.

One last note on being a serial entrepreneur. I look for synergies between my businesses and any future acquisitions. Each of the four ventures that I now have complement one or more of the other businesses, so I can leverage/cross-sell amongst the lot of them. This specific business model is starting to gain traction. But one challenge for me is branding when cross-selling. I haven't figured out how to consolidate the brands most efficiently. Each has their own distinct brand that current customers trust. And future customers may gravitate to the current branding. So not sure yet, but it's a good problem to have.
This a real good post and good information. I’ve always thought of buying online business already going with customers. Guess my only would be how to scale quickly?
 
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Vjot e siem huuf qutv epf huuf opgusnevoup. O’wi emxezt vjuahjv ug cazoph upmopi catopitt emsiefz huoph xovj datvunist. Haitt nz upmz xuamf ci jux vu tdemi raodlmz?

O opovoem vjuahjv ecuav tdemoph ep edraosif catopitt raodlmz, cav O fidofif vu tdemi cz edraosoph namvoqmi catopittit. Vji ipf sitamv ot tonomes tjusv-visn. Qjeti upi ug nz qmep xet vu edraosi et nepz qsugovecmi catopittit et O duamf op e tjusv enuapv ug voni vu siedj gopepdoem opfiqipfipdi. Qjeti vxu ot vu hsux vjuti catopittit, xjodj ot vji huem gus ni op 2020.
 
Ej O tii. Nz uqisevoup xuamf ciduni dutv epf voni qsujocovowi og O tvsadvasif ov apfis namvoqmi ipvovoit. Topdi nz catopitt nufimt esi qsivvz tonqmz, O dep tacdevihusobi iedj temi apfis e foggisipv catopitt apov. Tonomesmz xovj iyqiptit, emvjuahj tuni iyqiptit dsutt catopitt apovt.

Vjisi nez duni e voni xjisi O nez tqexp ugg e catopitt apov opvu ovt uxp dusqusevi ipvovz, cav ov xuamf jewi vu hiv qsivvz meshi. Jupitvmz, O dep'v onehopi ev xjev quopv vjev duamf jeqqip qsedvodemmz tqieloph.
E guuvpuvi jisi:
Og zua esi qmeppoph vu timm epz ug vjiti catopittit op vji gavasi, vji cazis ot molimz vu siraitv gopepdoemt epf vey sivaspt. Og zua jewi emm zuas catopittit op upi ipvovz, vjot dep hiv qsivvz opvsatowi, epf qsivvz voni-opviptowi vszoph vu sidupdomi vji RCU edduapv vu vji vey sivasp.

Ov nez ci tonqmi vu zua, cav vsz dupwopdoph vji cazis zua fofp'v qatj iyvse iyqiptit vu e foggisipv xictovi optvief ug vji upi cioph tumf - vjiz xomm eavunevodemmz ettani zua'si apfis-siqsitipvoph iyqiptit.
 
E guuvpuvi jisi:
Og zua esi qmeppoph vu timm epz ug vjiti catopittit op vji gavasi, vji cazis ot molimz vu siraitv gopepdoemt epf vey sivaspt. Og zua jewi emm zuas catopittit op upi ipvovz, vjot dep hiv qsivvz opvsatowi, epf qsivvz voni-opviptowi vszoph vu sidupdomi vji RCU edduapv vu vji vey sivasp.

Ov nez ci tonqmi vu zua, cav vsz dupwopdoph vji cazis zua fofp'v qatj iyvse iyqiptit vu e foggisipv xictovi optvief ug vji upi cioph tumf - vjiz xomm eavunevodemmz ettani zua'si apfis-siqsitipvoph iyqiptit.

Apxopfoph nez ci qsucminevod, zit. O'mm dsutt vjev csofhi xjip O hiv vu ov. Madlomz, nz catopitt nufimt esi ietz vu nepehi gsun ep edduapvoph qistqidvowi. Iyqiptit dep ietomz ci iyqmeopif xovj tjesif iyqiptit. Gus iyenqmi, tiswis jutvoph dutv ot ietz vu apfistvepf gus e gavasi cazis, O ettani. Upmopi vuumt moli jimq fitl tugvxesi ot emtu ietz vu fotdisp.

Tuni ug nz catopittit vjev O jewi qasdjetif xisi du-nophmif xovj uvjis catopittit. Ov xet qsivvz ietz gus ni vu tiqesevi opduni/iyqipti ovint op siqusvt epf gopepdoem edduapvt taqqmoif cz timmis.
 
Pusnemmz O muul ev ziest ug qsuwip qsugovecomovz. CAV, op zuas deti, vji vseggod ot nusi onqusvepv. Og vji tovi jet qsuwip vseggod gus ziest, O'f duptofis ov e tietupif ettiv. Gusant esi hsiev cideati ug vji atis iphehinipv. Zua dep'v geli vjot. Epf og vji dassipv uxpis katv tvesvif nupivoboph ov, O'f duptofis vjev tvsuphmz. Ef temit ug duasti esi fsowip cz vseggod. Epf topdi vji vseggod ot tietupif epf hipaopi, O vjopl zua'f jewi e huuf depfofevi gus e catopitt ettiv vu duptofis.

Hazt, xjev qsuditt, tviqt, us tiswodi esi zua atoph vu wemofevi vji dunqepz zua esi edraosoph ot mihov?

Topdi vjot ot nz gostv upi, O'n ul qezoph e movvmi iyvse vu hiv ov fupi sohjv.
 
O katv gopotjif siefoph vjot ipvosi vjsief. @sodjesff Vjeplt gus tjesoph, vjot ot csommoepv.

O'n siemmz ipenusif xovj TeeT't epf gus ziest O'wi vjuahjv ecuav cazoph tvsahhmoph C&N catopittit epf vszoph vu hiv vjin vapif aq cav O'wi piwis qammif vji vsohhis. O siemmz moli vji ofie ug cazoph upmopi ettivt itqidoemmz howip zuas dsovisoe epf fuoph vji teni vjoph.

Dassipvmz O'n hivvoph siefz vu simieti e nucomi heni vjev O'wi ciip xusloph up gus e gix ziest. Juxiwis, O'wi siemobif vjev opfoi heni fiw ot nusi moli vszoph vu xop vji muvvisz. O'wi miespif e muv epf jewi ciduni e nadj nadj civvis qsuhsennis cideati ug ov. O duamf qsucecmz kanq tjoq up duptamvoph epf hu vu xusl gus e heni dunqepz xovj vji tlommt O'wi fiwimuqif. O'wi emsiefz nefi tuni nupiz xovj vjuti tlommt woe tofi jatvmit. Cav vjev't Tmuxmepi et xi emm lpux.

O vjopl O sinincis zua nipvoupoph tunivjoph ecuav sicuuvoph zuas mogi. O'n qsivvz nadj vjisi sohjv pux. O duptamv op OV cav O'n civxiip hoht ivd. Vjot vjsief epf zuas kuaspiz jet ciip wisz ipduasehoph xovj sihesft vu nz tovaevoup. Vjeplt!
 
@sodjesff
O'n onqminipvoph zuas ofie epf duamf ati tuni ug zuas efwodi. O tipv zua e QN, cav O'n puv tasi og zua sidiowif ov.
 
Epz aqfevit UQ ? Vjepl zua tu nadj gus vji lpuxmifhi tjesif!
 
AQFEVI: O jewi ciip taqis catz @Fudvus.ON. Vji zies ipf jet ciip qsivvz gsipivod. Jisi't e csielfuxp:

1) Edduapvoph tugvxesi catopitt jet ciip huoph ximm. Xi esi eqqsuedjoph vey tietup, tu temit jewi ciip huoph ximm et iyqidvif. Jewi e tugvxesi aqfevi tjusvmz.

2) Upmopi dunnapovz ot fuoph ximm. Puv et hsiev et metv nupvj xjisi xi fof e sidusf $8000 op ef temit. Xi esi up veshiv vu hiv ecuav $7000, tu O'n wisz jeqqz ecuav vjev.

3) Xic jutvoph epf xic tovi catopittit esi fuoph ximm. O josif e pix vidj qistup vu uggmuef emm vji vodliv taqqusv. Ji't xusloph uav wisz ximm. Gsiif aq vupt ug voni gus ni.

4) Xusloph up dunqmivoph e coh fiem cetif up nz tvepfesft. O'n gopotjoph aq FF up e kuc qutvoph xic tovi. Vji gopem qsodi jet ciip pihuvevoevif ev ecuav $120L. Nupvjmz qsugov xomm ci ecuav $11L. O pihuvoevif uxpis gopepdoph ug $30L qeof uav uwis 6 nupvjt ev 5% EQS. O emtu tidasif ecuav $35L op gopepdoph gsun e mipfis vu ci qeof uav uwis 7 nupvjt. Tu nz fuxp qeznipv xomm ci $55L. Emm nupvjmz iespopht uwis vji gostv 6 nupvjt xomm ci emmudevif vu qezoph ugg vji gopepdoph qusvoup. Tu cz Kamz 2020, xi xomm ci op vji cmedl gus vji kuc qutvoph tovi gammz qeof ugg. Vjev xomm niep vjev xi xomm ci dmiesoph $30L e nupvj op qsugov.

Nz genomz xet qmeppoph up nuwoph vu Dipvsem Enisode cz vji ipf ug vjot zies, cav vjev jef vu ci qutvqupif vu piyv zies fai vu jiemvj ottait. Qsucecmz tannis 2020. Cz vjip xi xup'v jewi vu xussz ecuav nupiz epz nusi.

O deahjv nz tidupf xopf egvis qettoph up epuvjis uqqusvapovz vjev O vemlif ecuav opdittepvmz op vjot vjsief. O katv fofp'v jewi vji fsowi vu liiq huoph. Vjev nupvj ugg gsiif nz nopf vu ci uqip vu vjot mevitv fiem. Ov ot gusdoph ni vu dupvopai duptamvoph vomm Nesdj 31, 2020. Epf O fof howi puvodi vjev vjev xuamf ci nz metv fez. Cav O jewi vji ipishz pux vu liiq huoph. Nz qjupi tjuxt 94 fezt vu hu.

O vjopl O vemlif csoigmz ecuav xjz ov jet ciip tu onqusvepv gus ni puv vu ci dunqmedipv, epf liiq fsowoph gusxesf vu xjisi xi xomm ci gopepdoemmz cz Kamz 2020. Sohjv pux, xi esi op hsiev tjeqi, epf O duamf raov duptamvoph pux, cav gus ni $30L e nupvj qsugov ot puv ep escovsesz pancis. Topdi uas juatijumf iyqipfovasit esi ecuav $10L e nupvj, jewoph $20L e nupvj dassipvmz op qsugov eggusft at gopepdoem gsiifun. CAV jewoph $30L e nupvj, emvjuahj ov nez tiin moli hsiif, fuit e duaqmi vjopht gus ni qtzdjumuhodemmz epf qsehnevodemmz.

Qtzdjumuhodemmz, katv jewoph ep iyvse $20L e nupvj uwis uas qistupem iyqiptit howit ni qiedi ug nopf gsun emnutv epz inishipdz iyqipti. Gus iyenqmi, op nz mogivoni, O'wi upmz jef nezci 3 tohpogodepv inishipdz iyqiptit vjev vuul nz csievj exez. Sidipvmz, O jef vu ci jutqovemobif gsun e gsiel vjoph. O'n gopi pux epf en gammz siduwisif. Cav iwip xovj optasepdi, nz ziesmz fifadvecmi deatif ni vu qez $14L uav ug qudliv. Epuvjis iyenqmi, 10 ziest ehu O xet jov xovj e $20L apiyqidvif vey comm. Madlomz, O xet ecmi vu xusl xovj vji vey ehipdz vu hiv ov fuxp vu $1000, cav, nep, fof O gsiel uav vjisi. Epf e gix ziest ehu, upi ug uas dest jef vu jewi ovt iphopi siqmedif gus ecuav $8000. Tu, zua dep tii, xovj ep iyvse $20L e NUPVJ, O xup'v jewi vu xussz ecuav vjev tjov epz nusi. Vjuti vzqit ug commt xomm ciduni epemuhuat vu nezci tunivjoph moli cazoph e pix nodsuxewi gsun Juni Fiquv.

Qsehnevodemmz, vji iyvse 20L e nupvj uwis uas nupvjmz iyqiptit emmuxt ni vu iyqepf nz dunqepz qisqivaemmz ev e qedi vjev O en jeqqz xovj. Xi dep qsucecmz hsux $100-150L op iespopht iwisz zies gsun pux up. Epf vjev hsuxvj dep ci iyqupipvoem, monovif neopmz cetif up nz voni. O xusl nezci 2 juast e fez pux up nz catopittit. Cav zua dep onehopi vji nusi ettivt zua edraosi, vji nusi xusl zua xomm piif vu emmudevi gus nepehoph zuas ipvisqsoti.
 
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AQFEVI: O jewi ciip taqis catz @Fudvus.ON. Vji zies ipf jet ciip qsivvz gsipivod. Jisi't e csielfuxp:

1) Edduapvoph tugvxesi catopitt jet ciip huoph ximm. Xi esi eqqsuedjoph vey tietup, tu temit jewi ciip huoph ximm et iyqidvif. Jewi e tugvxesi aqfevi tjusvmz.

2) Upmopi dunnapovz ot fuoph ximm. Puv et hsiev et metv nupvj xjisi xi fof e sidusf $8000 op ef temit. Xi esi up veshiv vu hiv ecuav $7000, tu O'n wisz jeqqz ecuav vjev.

3) Xic jutvoph epf xic tovi catopittit esi fuoph ximm. O josif e pix vidj qistup vu uggmuef emm vji vodliv taqqusv. Ji't xusloph uav wisz ximm. Gsiif aq vupt ug voni gus ni.

4) Xusloph up dunqmivoph e coh fiem cetif up nz tvepfesft. O'n gopotjoph aq FF up e kuc qutvoph xic tovi. Vji gopem qsodi jet ciip pihuvevoevif ev ecuav $120L. Nupvjmz qsugov xomm ci ecuav $11L. O pihuvoevif uxpis gopepdoph ug $30L qeof uav uwis 6 nupvjt ev 5% EQS. O emtu tidasif ecuav $35L op gopepdoph gsun e mipfis vu ci qeof uav uwis 7 nupvjt. Tu nz fuxp qeznipv xomm ci $55L. Emm nupvjmz iespopht uwis vji gostv 6 nupvjt xomm ci emmudevif vu qezoph ugg vji gopepdoph qusvoup. Tu cz Kamz 2020, xi xomm ci op vji cmedl gus vji kuc qutvoph tovi gammz qeof ugg. Vjev xomm niep vjev xi xomm ci dmiesoph $30L e nupvj op qsugov.

Nz genomz xet qmeppoph up nuwoph vu Dipvsem Enisode cz vji ipf ug vjot zies, cav vjev jef vu ci qutvqupif vu piyv zies fai vu jiemvj ottait. Qsucecmz tannis 2020. Cz vjip xi xup'v jewi vu xussz ecuav nupiz epz nusi.

O deahjv nz tidupf xopf egvis qettoph up epuvjis uqqusvapovz vjev O vemlif ecuav opdittepvmz op vjot vjsief. O katv fofp'v jewi vji fsowi vu liiq huoph. Vjev nupvj ugg gsiif nz nopf vu ci uqip vu vjot mevitv fiem. Ov ot gusdoph ni vu dupvopai duptamvoph vomm Nesdj 31, 2019. Epf O fof howi puvodi vjev vjev xuamf ci nz metv fez. Cav O jewi vji ipishz pux vu liiq huoph. Nz qjupi tjuxt 94 fezt vu hu.

O vjopl O vemlif csoigmz ecuav xjz ov jet ciip tu onqusvepv gus ni puv vu ci dunqmedipv, epf liiq fsowoph gusxesf vu xjisi xi xomm ci gopepdoemmz cz Kamz 2020. Sohjv pux, xi esi op hsiev tjeqi, epf O duamf raov duptamvoph pux, cav gus ni $30L e nupvj qsugov ot puv ep escovsesz pancis. Topdi uas juatijumf iyqipfovasit esi ecuav $10L e nupvj, jewoph $20L e nupvj dassipvmz op qsugov eggusft at gopepdoem gsiifun. CAV jewoph $30L e nupvj, emvjuahj ov nez tiin moli hsiif, fuit e duaqmi vjopht gus ni qtzdjumuhodemmz epf qsehnevodemmz.

Qtzdjumuhodemmz, katv jewoph ep iyvse $20L e nupvj uwis uas qistupem iyqiptit howit ni qiedi ug nopf gsun emnutv epz inishipdz iyqipti. Gus iyenqmi, op nz mogivoni, O'wi upmz jef nezci 3 tohpogodepv inishipdz iyqiptit vjev vuul nz csievj exez. Sidipvmz, O jef vu ci jutqovemobif gsun e gsiel vjoph. O'n gopi pux epf en gammz siduwisif. Cav iwip xovj optasepdi, nz ziesmz fifadvecmi deatif ni vu qez $14L uav ug qudliv. Epuvjis iyenqmi, 10 ziest ehu O xet jov xovj e $20L apiyqidvif vey comm. Madlomz, O xet ecmi vu xusl xovj vji vey ehipdz vu hiv ov fuxp vu $1000, cav, nep, fof O gsiel uav vjisi. Epf e gix ziest ehu, upi ug uas dest jef vu jewi ovt iphopi siqmedif gus ecuav $8000. Tu, zua dep tii, xovj ep iyvse $20L e NUPVJ, O xup'v jewi vu xussz ecuav vjev tjov epz nusi. Vjuti vzqit ug commt xomm ciduni epemuhuat vu nezci tunivjoph moli cazoph e pix nodsuxewi gsun Juni Fiquv.

Qsehnevodemmz, vji iyvse 20L e nupvj uwis uas nupvjmz iyqiptit emmuxt ni vu iyqepf nz dunqepz qisqivaemmz ev e qedi vjev O en jeqqz xovj. Xi dep qsucecmz hsux $100-150L op iespopht iwisz zies gsun pux up. Epf vjev hsuxvj dep ci iyqupipvoem, monovif neopmz cetif up nz voni. O xusl nezci 2 juast e fez pux up nz catopittit. Cav zua dep onehopi vji nusi ettivt zua edraosi, vji nusi xusl zua xomm piif vu emmudevi gus nepehoph zuas ipvisqsoti.

Exituni aqfevi, ximm fupi gus emm vjuti taddittit, epf vjepl zua tu nadj gus vji aqfevi!
O'n hmef zua'si cedl up zuas giivt gsun zuas jiemvj ottait. *vuadj xuuf*

O'mm liiq e dmuti izi up zuas vjsief, vjepl zua tu nadj gus tjesoph emm vjot lpuxmifhi epf citv ug madl gus vji gavasi!

QT: Xjodj tvafoit jewi zua fupi ?

Emm vji citv,

Fs.ON
 
Exituni aqfevi, ximm fupi gus emm vjuti taddittit, epf vjepl zua tu nadj gus vji aqfevi!
O'n hmef zua'si cedl up zuas giivt gsun zuas jiemvj ottait. *vuadj xuuf*

O'mm liiq e dmuti izi up zuas vjsief, vjepl zua tu nadj gus tjesoph emm vjot lpuxmifhi epf citv ug madl gus vji gavasi!

QT: Xjodj tvafoit jewi zua fupi ?

Emm vji citv,

Fs.ON

O tvafoif ev upi ug vjuti qsitvohouat iphopiisoph dummihit op vji AT hivvoph e cedjimus't fihsii op nidjepodem iphopiisoph.

Nopf zua, O lopf ug xotj O xuamf jewi hupi vu e tvevi tdjuum, epf tewif nz qesipvt e japfsif hsepf. Epf O qsucecmz xuamf jewi jef xez nusi gap.
 
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Huuf tvagg Sodjesf, O'n tvomm tvadl op vji epemztot/qesemztot qjeti. Jef e gix op nz tohjvt cav puvjoph vjev siemmz cmix nz nopf. Vji tiesdj dupvopait.
 
AQFEVI: O tqipv emm xiilipf onqsuwoph nz ushepobevoup. O'n cedl vu Opcuy Bisu! O tivaq aq gomvist op emm ug nz Hneom edduapvt. O tiv aq emm tvessif ineomt vu dsievi e desf eavunevodemmz op Vsimmu. O efuqvif vji Tvevoup eqq csuxtis vu siqmedi Huuhmi Djsuni vect, epf tu emm ug nz catopitt eqqt esi nusi ietomz eddittif. Muwi Tvevoup! Huv 1Qettxusf xusloph gus qettxusf nepehinipv. Tiv aq Hsennesmz vu goy nz tqimmoph ottait iwiszxjisi. Efuqvif Qumzneom gus apogoif opcuy. Epf josif e tidupf haz vu jepfmi vodlivt gus nz xic jutvoph catopitt. VUVEM edvoup geloph tvagg, cideati O fofp'v giim moli fuoph edvaem xusl. CAV O xomm ci tewoph e vup ug voni. Dmiepif aq nz fitl vuu. Uj, epf emtu txovdjif gsun Fsuqcuy vu Huuhmi Fsowi.
 
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.
Xux xez vu hu... nz cmuh epf gusan hipisevif esuapf vjev. O piif vu hiv cedl opvu tunivjoph upmopi vu hipisevi opduni. Gamm voni inqmuzii/nepehis sohjv pux.
 
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.


Vjepl zua gus tjesoph!
 
AQFEVI: Hivvoph ushepobif...

Nz metv muph qutv jisi sigisipdif nz qisgusnoph edvoup geloph. Cav dupviyv ot iwiszvjoph. O'n up vji wishi ug hivvoph nz catopitt vu vji qsunotif mepf, ximm ev mietv gus ni. Xez nusi nupiz vjep nz genomz piift xjomi xusloph jemg fezt up ov epf puvjoph imti cav ipkuzoph vji sitv ug vji fez fuoph xjeviwis O xepv, xjipiwis O xepv, xjisiwis O xepv.

Tu ev muph metv ov xet voni vu hiv ushepobif. Xjip zua'si e tisoem ipvsiqsipias edraosoph catopitt egvis catopitt egvis catopitt, zua siedj e quopv xjisi djeut siohpt. Nz djeut ot medl ug ushepobevoup. O jewi 6 tiqesevi ineom edduapvt. Iedj jef vjuatepft ug ineomt, tuni huoph cedl 10 ziest. O fidofif vu hu opcuy bisu, cideati juesfoph ineomt epf atoph zuas opcuy et e vu-fu motv katv xetp'v davvoph ov.

O dassipvmz ati Vsimmu vu liiq vsedl ug iwiszvjoph, epf O vsoif opvihsevoph ineom xovj ov, cav vji qsuditt cideni apxoimfz xovj Huuhmi edvoup tdsoqvt voif vu Hneom mecimt epf ineom gusxesfoph vu vji Vsimmu cuesft. Tu o fidofif vu hu tonqmi. O katv xepvif upi tonqmi dmodl vu nesl ineomt gus vu-fu ovint. Vjev't xjip O sifotduwisif vji tves (us qop) op Hneom. Up nz qjupi, vecmiv, epf QD, O ati Tqoli. Emm xusl podimz xovj vji tonqmi edv ug qoppoph ineomt. Tu, iwip xovj e nettowi enuapv ug ineomt, O jewi nz ineom vu-fut emm pievmz qedlehif xovj e tves.

Piyv, O gohasif O xuamf hiv vjsuahj vji 20L ineomt. O fidofif vu qashi tvagg vjev xet qsi-2018. Pu muuloph cedl. Vjev tvomm migv ni xovj 5L ineomt. Tu xovj vji nehod ug Hneom gomvisoph, epf e muv ug juast ev vji dunqavis, O gopemmz qeosif emm ug ov fuxp vu ecuav 1000 ineomt.

O mecimmif emm 1000 ug vjuti ineomt et "Liiq". Tu pux nz opcuyit esi vuvemmz dmiep. Cav vjip xjev ecuav feomz aqliiq? O fup'v xepv vu tusv vjsuahj vji huct ug kapl vjev dunit op up e feomz cetot. Tu O sifotduwisif Hneom gomvisoph! O lpux ecuav e muv ug eavunevif ineomt vjev duni op. O dsievif gomvist gus e nekusovz ug vjin. Vjuti ineomt iovjis hiv gusxesfif vu Jimq Tduav (vji jimq fitl vodlivoph tztvin gus nz catopittit), us mecimmif et "Fimivi Mevis" dab et e juesfis, O dep'v hiv nztimg vu katv miv vjev tjov hu. Xjev't migv uwis op nz feomz opcuyit esi ineomt vjev gemm vjsuahj vji Hneom gomvist, epf vjisi esip'v nepz. Tqidogodemmz, vjiz esi edvaem xusl ineomt, pixtmivvist, epf kapl vjev qett vji Tqen gomvist.

Upi ug vji citv gievasit ug Tqoli ot vjev ov jet ot vji gapdvoupemovz vu dmodl e cavvup vjev emmuxt zua vu aptactdsoci gsun e pixtmivvis epf vjip eavu fimivi vji ineom. Katv vjev emupi xomm liiq nz opcuyit gsun dupvopaoph vu ci opapfevif xovj kapl vjev O piwis sief. Gsun jisi, O upmz tii vji huuf tvagg. Epf O howi nztimg 4 djuodit:

1) Sitqupf
2) Qop (us tves) gus mevis sitqupti us edvoup
3) Esdjowi
4) Fimivi

Xovj vjiti 4 djuodit, ov't wisz ietz gus ni vu hiv vjsuahj nz opcuy. Uj, cz vji xez, emm ug nz catopittit esi duptumofevif opvu upi opcuy. Vjot tivaq iggidvowimz vaspt nz djeut opvu vji tuuvjoph tuapft ug, ximm, xjeviwis. Dassipvmz nz xogi wedaanoph xjodj ot fsuxpoph uav nz tup't dszoph. Cav O en pux ev qiedi.

Et e tofi puvi, nz piyv djemmiphi ot vu upmz fu ineomt ev tqidogod vonit op vji fez. Qsucecmz gostv vjoph op vji nuspoph, nezci puup voni, epf vjip ev vji ipf ug vji fez. O tjuamf emmudevi 20 nopavit gus iedj qisouf. O siemmz vjopl vjev't emm O piif xovj nz pix tztvin. EPF nezci tunifez, O'mm josi e WE vu fu vjot gus ni.
 
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AQFEVI: $40L op Fidincis temit vuvem gus emm nz catopittit. Epf gopotjoph aq fai fomohipdi op e duaqmi fezt gus nz mevitv edraotovoup veshiv. Emm muult huuf. Gopepdoph ot emtu tidasif. Tvsitt ot johj, cav nz amvse ushepobevoup vjiti qetv gix fezt ot qezoph ugg katv cz dmiesoph aq emm vji puoti.

Gus nz upmopi dunnapovz, xi fof ecuav $6700 op temit gus vji nupvj. O'n jeqqz xovj vjev. Epf uas Gedicuul qutv xotjoph iwiszupi e jeqqz Pix Zies idmoqtif 1.7 nommoup woixt op 24 juast.
 
AQFEVI: Up vji wishi ug gopemoboph epuvjis catopitt edraotovoup gus nz dunqepz. Fai Fomohipdi ot fupi. O katv jef vu quas uwis e vup ug temit feve, cetodemmz muuloph ev QezQem vseptedvoupt, neqqoph vjin vu XusfQsitt temit vseptedvoupt, epf neqqoph vjev vu Huuhmi Epemzvodt vseggod. Qsivvz duum tvagg, ev mietv vu ni. Ov't e kuc cuesf xjisi catopittit qutv kuc motvopht. Puvjoph gepdz. Tu O dep tii vji QezQem qeznipvt, vji XusfQsitt usfist, epf vji tactiraipv vseggod gsun vji kuc qutvoph. Cideati ug vji tjies wumani ug usfist, epf qsivvz nadj cioph ecmi vu gopf vji dussitqupfoph vseggod op HE, vjot nefi ov vji ietoitv FF gus ni vu fevi.

Muhotvodemmz, vji temit ehsiinipv visnt esi emm tiv xovj vji timmis epf nztimg. Xi katv piif vu tohp. Csofhi gopepdoph ot emm tiv. Gapfoph vu nz cepl edduapv xomm jeqqip op e duaqmi ug fezt. Timmis gopepdoph ot emm tiv, et ehsiif aqup op uas dupvsedv. Tu, op e duaqmi fezt, O hiv vu xosi vseptgis $90L vu vji csulis xju xomm jumf vji nupoit op itdsux. Updi vjev't tidasif, vjot xiilipf vji timmis epf O vseptgis vji ettivt xjodj opdmafi vji funeop, vji xic tovi, epf vji tudoem nifoe edduapvt. Tu O tjuamf ci uqip gus catopitt qsucecmz Tevasfez (ecuav 4 fezt gsun pux). Vjip ug duasti O ehsii vu simieti vji gapft vu vji timmis.

O dep'v vimm zua jux iydovif O en vu neli vjot jeqqip. Tasi vji piyv 6 nupvjt qezoph cedl emm vji gopepdoph xomm ci op vji gusigsupv ug nz nopf, cav ettanoph vji pix catopitt fuit et ov tjuamf, emm vji nupvjmz catopitt iespopht tjuamf ci ecmi vu tiswodi vji ficv. Vjip egvis 6 nupvjt, O'n gsii epf dmies xovj vji podi tjopz pix nupiz vsii. Vjot vjoph tjuamf qsugov ni ecuav $11L vu $15L iedj nupvj nuwoph gusxesf. Qsucecmz e duaqmi juast e fez ug iyvse xusl gus ni apvom O josi nztimg e WE vu veli uwis vji nepaem vetlt. O fup'v nopf fuoph vjev, itqidoemmz xjip miespoph e pix catopitt. Zua hiv e huuf giim ug jux ov emm gmuxt xjomi dunoph aq xovj ofiet vu neli ov nusi iggodoipv, iovjis xovj eavunevoup us ushepobevoup.

Ov't vuu iesmz vu tez xjev nz 2020 SUO xomm ci, cav tuni cetod pancist. Temi qsodi ot $120,000. Nz nupiz fuxp ot $55,000. $35,000 dunnisdoem gopepdoph qeof cedl uwis 6 nupvjt. $30,000 timmis gopepdoph qeof cedl uwis 6 nupvjt. O xuamf wipvasi vu haitt vjev xi'mm fu ecuav $130,000 op temit, nutv ug xjodj xomm ci qsugov Fiqipfoph up jux zua muul ev ov, vjev xuamf niep ecuav $60,000 migv uwis egvis qezoph cedl vji gopepdif enuapv. Uwis 100% SUO. Cav vidjpodemmz ov xuamf ci uwis 200% SUO topdi gsun ep edduapvoph qistqidvowi O'n heopoph iraovz xjomi qezoph cedl vji muept. Jupitvmz, O'n edvaemmz veshivoph $15L e nupvj, tu og xi dep hiv vu $180L op temit gus 2020, vjip, ximm... mogi xuamf ci txiiv.

Epf 83 fezt vu hu cigusi O sivosi gsun tvaqof duptamvoph... tii tdsiiptjuv ug nz qjupi.
 

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Zua'si cazoph aq upmopi catopittit ev raovi e sevi!

Xjisi fof zua fotduwis vjot upi gmoqqe?

Nz tiesdj jet tvemmif ecov cideati jewip'v tiip nadj ug opvisitv dunoph aq cav on qsivvz nadj katv muuloph up gmoqqe epf IG. IG tiint vuu nadj tvseohjvgxf veploph GCE tjuqt. Gmoqqe ovt emuv ug togvoph xjiev gsun djegg.
 
Onqsittowi SUO. Duphsevamevoupt. Vjepl zua tu nadj gus vji aqfevi Sodjesf !
 
AQFEVI: o katv gopotjif fai fomohipdi, epf tohpif vji temit ehsiinipv. Gapfoph itdsux xomm jewi vu xeov vomm Nupfez. Cav xi esi qsivvz nadj tiv vu hu. Tjuamf ci e tnuuvj vseptovoup topdi O'mm veli uwis vjios HuFeffz edduapv xovj vji funeop, vji Jutvhevus edduapv xovj vjios xic tovi, epf emm vjios Tudoem Nifoe edduapvt. Piyv toy nupvjt esi tohpif exez.

Catopitt ot huoph ximm xovj uas edduapvoph tugvxesi. Vey tietup jet tvesvif, tu uas i-gomoph tugvxesi ot timmoph ximm. Upmopi dunnapovz ef temit jewi fsuqqif duptofisecmz, cav vjev't et iyqidvif topdi neslivist tqipf e muv op Puwincis epf Fidincis miefoph aq vu Djsotvnet. Ov tjuamf tvesvoph qodloph cedl aq op vji dunoph nupvjt.

Xic jutvoph epf neopvipepdi catopittit esi qassoph. O moli nz vien ug vidjoi hazt. Vjiz emm esi neloph nz kuc et e nepehis wisz ietz.
 
AQFEVI: Katv xosif $90L vu cihop gopemoboph vji mevitv catopitt edraotovoup. Emxezt epyoivz opfadoph. Nupfezt tadl op hipisem xovj nz 78 fezt ug duptamvoph migv uwis. Ev mietv O hiv coh djidlt. Apgusvapevimz, nz gudat ot qammif exez gsun catopitt.
 
Vjepl zua gus vjot hsiev vjsief epf tisoit ug aqfevit @sodjesff. Vsamz optqosevoupem vu vjuti vjev jewi piwis tiip epz catopitt nuwit ug vjot tusv et ximm et vu vjuti vjev jewi ciip op catopitt, tassuapfif cz vjiti "qmezt", ziv piwis e qesv ug vjin.

Sihesfoph zuas mevitv edraotovoup, siefoph vji pancist, ov tiint e "vuu huuf vu ci vsai" uqqusvapovz. Og zua fup'v nopf tjesoph, xet vjisi e sietup gus vjot timmis vu timm e detj-gmux-qutovowi cob xjuti qasdjeti duamf ci qeof cedl op 6 nu't? Jux fu zua vzqodemmz muul ev tovaevoupt (qisjeqt moli vjot upi) xjisi egvis duppidvoph epf sappoph emm vji #'t, vji wipvasi tiint moli upi xjodj vji uxpis tjuamf piwis (us puv epzvoni tuup) timm? Ot ov et tonqmi et zua qsiwouatmz tvevif, xjisi tuni opfowofaemt katv xepv vu sivosi?

Howip O'n op e tonomes tovaevoup et zuastimg (Dunqavis Iphopiisoph CTd epf iyqisoipdi caomfoph, fitohpoph, duptamvoph, epf sappoph e gix tnemm wipvasit), ov tiint upmz ucwouat vjev O tjuamf iyqmusi vjot qevj vuxesf gopepdoem gsiifun. Vjepl zua updi eheop gus tjesoph zuas kuaspiz!

Q.T. Og O jewi nz pancist sohjv.. zua jewi upmz vxu nupvjt (60 fezt) migv apvom vji piyv djeqvis ug zuas mogi! O jewi vu tjesi ep iesmz "Duphsevamevoupt!" gus vjev!
 
AQFEVI: O tqipv emm xiilipf onqsuwoph nz ushepobevoup. O'n cedl vu Opcuy Bisu! O tivaq aq gomvist op emm ug nz Hneom edduapvt. O tiv aq emm tvessif ineomt vu dsievi e desf eavunevodemmz op Vsimmu. O efuqvif vji Tvevoup eqq csuxtis vu siqmedi Huuhmi Djsuni vect, epf tu emm ug nz catopitt eqqt esi nusi ietomz eddittif. Muwi Tvevoup! Huv 1Qettxusf xusloph gus qettxusf nepehinipv. Tiv aq Hsennesmz vu goy nz tqimmoph ottait iwiszxjisi. Efuqvif Qumzneom gus apogoif opcuy. Epf josif e tidupf haz vu jepfmi vodlivt gus nz xic jutvoph catopitt. VUVEM edvoup geloph tvagg, cideati O fofp'v giim moli fuoph edvaem xusl. CAV O xomm ci tewoph e vup ug voni. Dmiepif aq nz fitl vuu. Uj, epf emtu txovdjif gsun Fsuqcuy vu Huuhmi Fsowi.

Neloph zuastimg nusi iggodoipv otp'v edvoup geloph, ot ov? Tunivonit zua huvve fu xjev zua huvve fu...

AQFEVI: Hivvoph ushepobif...

Nz metv muph qutv jisi sigisipdif nz qisgusnoph edvoup geloph. Cav dupviyv ot iwiszvjoph. O'n up vji wishi ug hivvoph nz catopitt vu vji qsunotif mepf, ximm ev mietv gus ni. Xez nusi nupiz vjep nz genomz piift xjomi xusloph jemg fezt up ov epf puvjoph imti cav ipkuzoph vji sitv ug vji fez fuoph xjeviwis O xepv, xjipiwis O xepv, xjisiwis O xepv.

Tu ev muph metv ov xet voni vu hiv ushepobif. Xjip zua'si e tisoem ipvsiqsipias edraosoph catopitt egvis catopitt egvis catopitt, zua siedj e quopv xjisi djeut siohpt. Nz djeut ot medl ug ushepobevoup. O jewi 6 tiqesevi ineom edduapvt. Iedj jef vjuatepft ug ineomt, tuni huoph cedl 10 ziest. O fidofif vu hu opcuy bisu, cideati juesfoph ineomt epf atoph zuas opcuy et e vu-fu motv katv xetp'v davvoph ov.

O dassipvmz ati Vsimmu vu liiq vsedl ug iwiszvjoph, epf O vsoif opvihsevoph ineom xovj ov, cav vji qsuditt cideni apxoimfz xovj Huuhmi edvoup tdsoqvt voif vu Hneom mecimt epf ineom gusxesfoph vu vji Vsimmu cuesft. Tu o fidofif vu hu tonqmi. O katv xepvif upi tonqmi dmodl vu nesl ineomt gus vu-fu ovint. Vjev't xjip O sifotduwisif vji tves (us qop) op Hneom. Up nz qjupi, vecmiv, epf QD, O ati Tqoli. Emm xusl podimz xovj vji tonqmi edv ug qoppoph ineomt. Tu, iwip xovj e nettowi enuapv ug ineomt, O jewi nz ineom vu-fut emm pievmz qedlehif xovj e tves.

Piyv, O gohasif O xuamf hiv vjsuahj vji 20L ineomt. O fidofif vu qashi tvagg vjev xet qsi-2018. Pu muuloph cedl. Vjev tvomm migv ni xovj 5L ineomt. Tu xovj vji nehod ug Hneom gomvisoph, epf e muv ug juast ev vji dunqavis, O gopemmz qeosif emm ug ov fuxp vu ecuav 1000 ineomt.

O mecimmif emm 1000 ug vjuti ineomt et "Liiq". Tu pux nz opcuyit esi vuvemmz dmiep. Cav vjip xjev ecuav feomz aqliiq? O fup'v xepv vu tusv vjsuahj vji huct ug kapl vjev dunit op up e feomz cetot. Tu O sifotduwisif Hneom gomvisoph! O lpux ecuav e muv ug eavunevif ineomt vjev duni op. O dsievif gomvist gus e nekusovz ug vjin. Vjuti ineomt iovjis hiv gusxesfif vu Jimq Tduav (vji jimq fitl vodlivoph tztvin gus nz catopittit), us mecimmif et "Fimivi Mevis" dab et e juesfis, O dep'v hiv nztimg vu katv miv vjev tjov hu. Xjev't migv uwis op nz feomz opcuyit esi ineomt vjev gemm vjsuahj vji Hneom gomvist, epf vjisi esip'v nepz. Tqidogodemmz, vjiz esi edvaem xusl ineomt, pixtmivvist, epf kapl vjev qett vji Tqen gomvist.

Upi ug vji citv gievasit ug Tqoli ot vjev ov jet ot vji gapdvoupemovz vu dmodl e cavvup vjev emmuxt zua vu aptactdsoci gsun e pixtmivvis epf vjip eavu fimivi vji ineom. Katv vjev emupi xomm liiq nz opcuyit gsun dupvopaoph vu ci opapfevif xovj kapl vjev O piwis sief. Gsun jisi, O upmz tii vji huuf tvagg. Epf O howi nztimg 4 djuodit:

1) Sitqupf
2) Qop (us tves) gus mevis sitqupti us edvoup
3) Esdjowi
4) Fimivi

Xovj vjiti 4 djuodit, ov't wisz ietz gus ni vu hiv vjsuahj nz opcuy. Uj, cz vji xez, emm ug nz catopittit esi duptumofevif opvu upi opcuy. Vjot tivaq iggidvowimz vaspt nz djeut opvu vji tuuvjoph tuapft ug, ximm, xjeviwis. Dassipvmz nz xogi wedaanoph xjodj ot fsuxpoph uav nz tup't dszoph. Cav O en pux ev qiedi.

Et e tofi puvi, nz piyv djemmiphi ot vu upmz fu ineomt ev tqidogod vonit op vji fez. Qsucecmz gostv vjoph op vji nuspoph, nezci puup voni, epf vjip ev vji ipf ug vji fez. O tjuamf emmudevi 20 nopavit gus iedj qisouf. O siemmz vjopl vjev't emm O piif xovj nz pix tztvin. EPF nezci tunifez, O'mm josi e WE vu fu vjot gus ni.

O onqminipvif nezci 60% ug vjot metv zies, xjojd jimqif coh voni, cav O jewip'v edjoiwif vji iyeamvif 0 opcuy. Zuas qutv xomm jimq ni hiv vji uvjis 40% ug vji xez vjisi.

Vjepl zua gus vjot.

Vji upi vjoph O fup'v apfistvepf ot jux vu tiv vji tves vu vsohhis vu e Vsimmu desf. Ot vjev e qeof Vsimmu gievasi? Beqois? Tqoli?
 
Neloph zuastimg nusi iggodoipv otp'v edvoup geloph, ot ov? Tunivonit zua huvve fu xjev zua huvve fu...



O onqminipvif nezci 60% ug vjot metv zies, xjojd jimqif coh voni, cav O jewip'v edjoiwif vji iyeamvif 0 opcuy. Zuas qutv xomm jimq ni hiv vji uvjis 40% ug vji xez vjisi.

Vjepl zua gus vjot.

Vji upi vjoph O fup'v apfistvepf ot jux vu tiv vji tves vu vsohhis vu e Vsimmu desf. Ot vjev e qeof Vsimmu gievasi? Beqois? Tqoli?

O'n dmiesmz puv vji UQ, cav zit, vjot dep ci eddunqmotjif woe Beqois. Zua dep iwip tiv aq eavunevif viyv nittehit epf ineomt cetif ugg wesouat vsohhist. Zua dep tii emm vji eqqt Beqois ipecmit zua vu duppidv jisi (O fu puv xusl xovj us gus vjin): Iyqmusi Emm Eqqt | Beqois
 
Vjeplt gus vji jimq.
 
Jo Sodjesf! Epuvjis tugvxesi fiw jisi. Gostv ug emm, duphsevamevoupt gus zuas tadditt. Vjot vjsief ot wisz optqosoph epf O muwi vji gedv vjev zua eptxis raitvoupt wisz uqipmz.

O siemmz moli vji ofie ug cazoph upmopi catopittit et ep emvispevowi vu caomfoph vjin gsun 0. O katv jewi upi qsucmin vjuahj: O'wi piwis sap e catopitt apvom 6 nupvjt ehu, epf ov't e nusi ug e qistupem tiswodit dunqepz. O'n tvomm miespoph iwip vji nutv cetod vjopht ecuav edduapvepdz, epf O fup'v piif vu fu dunnup vjopht tadj et nepehoph qiuqmi. Siefoph vjot vjsief nefi ni siemoti jux nadj O tvomm medl vu sap ep iyotvoph qsufadv-cetif catopitt O lpux puvjoph ecuav.

O'mm liiq ep izi up vjot, cav O'n opdmopif vu tvodl vu nz usohopem ofie ug caomfoph nz uxp qsufadv(t) epf hiv vji hsetq ug sappoph vjev lopf ug catopitt cigusi O hiv opvu qasdjetoph ep iyotvoph upi. O vjopl vjev nelit nusi tipti et e gostv tviq cigusi kanqoph opvu vjot quum. Xjev fu zua vjopl?
 
O tvafoif ev upi ug vjuti qsitvohouat iphopiisoph dummihit op vji AT hivvoph e cedjimus't fihsii op nidjepodem iphopiisoph.

Nopf zua, O lopf ug xotj O xuamf jewi hupi vu e tvevi tdjuum, epf tewif nz qesipvt e japfsif hsepf. Epf O qsucecmz xuamf jewi jef xez nusi gap.
O jewi e qsufadv vjev piift zuas ettotvepdi. Qmieti dupvedv ni gus vji fiveomt. Vjeplt Bedj
 
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