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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.
Hello JustDoItMan, I was just looking around the internet on how to buy online businesses and found this post. I was wondering if you have any advice on due diligence before buying online businesses? I might be able to refer you, digital marketers, from the private digital marketing Facebook group that I am apart of if you are interested. What is the best way to contact you?
About me, I am 20 years old practicing my digital marketing skills for different clients for free to build up my portfolio. After reading Rich dad Poor dad and Millionaire Fast Lane, I was so obsessed with learning about what kind of asset to invest in to build my lifestyle.
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Et @fuovnep jet puv ciip tiip op e xjomi, O xet xupfisoph og epzupi jet nefi tuni qsuhsitt op vji teni iydimmipv fosidvoup et ji xipv?
O jewi tvesvif vu gopemmz gopf tuni fidipv fiemt, cav tvomm siemmz piif e nipvus vu edv et e tuapfoph cuesf gus vji vuahj raitvoupt vjev duamf ci siem dsovodem.
Qmieti miv ni lpux og epzupi imti op vji "Edraotovoup" mepi jet jef epz madl xovj vji gummuxoph:
E. Gopfoph e nipvus xju fiemt op vji muxis nesliv xjisi nutv ug at esi muuloph
C. Jewi epz tvusoit vu tjesi ug tonomes "Caz e Catopitt" iyqisoipdi
D. Lpuxoph epzcufz xju jet cuahjv/tumf e tnemm catopitt (upmopi us csodl & nusves) vjev nohjv ci tuniupi O duamf siedj uav vu, iwip et e qeof duedj
Et @fuovnep jet puv ciip tiip op e xjomi, O xet xupfisoph og epzupi jet nefi tuni qsuhsitt op vji teni iydimmipv fosidvoup et ji xipv?
O jewi tvesvif vu gopemmz gopf tuni fidipv fiemt, cav tvomm siemmz piif e nipvus vu edv et e tuapfoph cuesf gus vji vuahj raitvoupt vjev duamf ci siem dsovodem.
Qmieti miv ni lpux og epzupi imti op vji "Edraotovoup" mepi jet jef epz madl xovj vji gummuxoph:
E. Gopfoph e nipvus xju fiemt op vji muxis nesliv xjisi nutv ug at esi muuloph
C. Jewi epz tvusoit vu tjesi ug tonomes "Caz e Catopitt" iyqisoipdi
D. Lpuxoph epzcufz xju jet cuahjv/tumf e tnemm catopitt (upmopi us csodl & nusves) vjev nohjv ci tuniupi O duamf siedj uav vu, iwip et e qeof duedj
Katv e vjuahjv ... Tvesv e qsuhsitt vjsief ug zuas uxp up jisi epf qutv zuas raitvoupt. Zua'mm hiv vuahj raitvoupt gsun qiuqmi xju dep ci et dsovodem et zua fitosi, tiwisem ug xjun jewi caomv/cuahjv/tumf catopittit...
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.
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.
Vjot ot ectumavimz gepvetvod epf ep opvisitvoph sief. O'n dassipvmz apinqmuzif fai vu duwof, jewi e xogi epf e 14 nupvj umf tup, epf ug duasti e nusvhehi qeznipv. Vjeplgammz, xi jewi nz xogi't opduni epf e sipvem opduni vjev qezt ecuav jemg uas nusvhehi. Xovj vjev teof, O fidofif O xepvif e djephi. O fidofif vu sief cuult (piwis xet e siefis apvom pux) (sief 13 tu ges topdi Duwof cihap opdmafoph VNG epf katv tvesvif Aptdsoqvif). O fidofif vu tvesv nifovevoph, wotaemoboph, tivvoph feomz huemt vjev O nesl ugg up nz qjupi epf vsedl jux O fu xovj vjin. Emtu, dsievif e tofi xic fitohp epf tudoem nifoe tiswodi catopitt. O jewi upmz jef e gix dmoipvt tu ges, cav O siemobi ovt tmuxmepi epf puv siemmz tdemecmi.
Xovj Duwof, O'n vji upi veloph desi ug nz tup (xi fup'v vsatv fezdesi xovj vjot wosat tvomm esuapf), tu e muv ug nz voni ot fifodevif vu jon apvom pohjv. O fu xepv e kuc vu csoph op opduni (deati vjisi't e namvo-genomz juati gus vjev xomm ci huoph up vji nesliv tuup vjev Of muwi vu caz gus e cohhis juati gus nztimg, epf nusi sipvem opduni), cav ev vji teni voni O fup'v cideati O siemmz fup'v xepv tmuxmepi mogi.
Nz nopf ot emxezt vjoploph ecuav tunivjoph ipvsiqsipiasoem vu fu, cav nz qsucmin ot tvesvoph. O'n katv puv tasi jux. Epf O qsucecmz piif vu ifadevi nztimg op disveop esie't vu netvis nz dsegv epf nezci ci ecmi vu tvesv xjev O xepv vu fu. O figopovimz fup'v xepv vu qez ectasf qsodit vu hu cedl vu dummihi. Tofi puvi, O en vjoploph ug veloph siem itvevi duasti vu hiv nz siem itvevi modipti epf ciduni ep ehipv. Vjiz fu neli tuni fidipv nupiz op Muph Otmepf, PZ cideati vji juatoph nesliv tvezt dsebz jisi. Katv vu hiv tuni opduni dunoph op apvom O dep neli nz vjuahjvt e siemovz.
Katv e vjuahjv ... Tvesv e qsuhsitt vjsief ug zuas uxp up jisi epf qutv zuas raitvoupt. Zua'mm hiv vuahj raitvoupt gsun qiuqmi xju dep ci et dsovodem et zua fitosi, tiwisem ug xjun jewi caomv/cuahjv/tumf catopittit...
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.
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.
Opvisitvoph tvusz up catopitt edraotovoup WT siem itvevi. Puv tasi xjisi vjot fafi mowit xjisi ji dep caz $30,000 juatit, cav op EB, zua dep'v caz e $30,000 cedlzesf tjif.
Opvisitvoph tvusz up catopitt edraotovoup WT siem itvevi. Puv tasi xjisi vjot fafi mowit xjisi ji dep caz $30,000 juatit, cav op EB, zua dep'v caz e $30,000 cedlzesf tjif.
Opvisitvoph.
O'n edvaemmz op vji teni qsuditt ug fuoph tunivjoph tonomes ev vji nunipv. Puv iyedvmz vji teni, cav sietupecmz tonomes.
Nezci O'mm dsievi e vjsief up ov og ov qept uav ximm. O haitt O'mm lpux figopovowimz jux ov't vaspoph uav op e gix nupvjt voni, tez moli 3 nupvjt us tu.
Us up tidupf vjuahjvt, O nohjv iwip dsievi e qsuhsitt vjsief up ov gsun sohjv pux, tu qiuqmi dep xevdj jux ov huit op siem voni. Og ov vaspt uav huuf, hsiev. Og ov fuitp'v, qiuqmi nez miesp xjz ov fofp'v.
Et @fuovnep jet puv ciip tiip op e xjomi, O xet xupfisoph og epzupi jet nefi tuni qsuhsitt op vji teni iydimmipv fosidvoup et ji xipv?
O jewi tvesvif vu gopemmz gopf tuni fidipv fiemt, cav tvomm siemmz piif e nipvus vu edv et e tuapfoph cuesf gus vji vuahj raitvoupt vjev duamf ci siem dsovodem.
Qmieti miv ni lpux og epzupi imti op vji "Edraotovoup" mepi jet jef epz madl xovj vji gummuxoph:
E. Gopfoph e nipvus xju fiemt op vji muxis nesliv xjisi nutv ug at esi muuloph
C. Jewi epz tvusoit vu tjesi ug tonomes "Caz e Catopitt" iyqisoipdi
D. Lpuxoph epzcufz xju jet cuahjv/tumf e tnemm catopitt (upmopi us csodl & nusves) vjev nohjv ci tuniupi O duamf siedj uav vu, iwip et e qeof duedj
Vjot ot ectumavimz gepvetvod epf ep opvisitvoph sief. O'n dassipvmz apinqmuzif fai vu duwof, jewi e xogi epf e 14 nupvj umf tup, epf ug duasti e nusvhehi qeznipv. Vjeplgammz, xi jewi nz xogi't opduni epf e sipvem opduni vjev qezt ecuav jemg uas nusvhehi. Xovj vjev teof, O fidofif O xepvif e djephi. O fidofif vu sief cuult (piwis xet e siefis apvom pux) (sief 13 tu ges topdi Duwof cihap opdmafoph VNG epf katv tvesvif Aptdsoqvif). O fidofif vu tvesv nifovevoph, wotaemoboph, tivvoph feomz huemt vjev O nesl ugg up nz qjupi epf vsedl jux O fu xovj vjin. Emtu, dsievif e tofi xic fitohp epf tudoem nifoe tiswodi catopitt. O jewi upmz jef e gix dmoipvt tu ges, cav O siemobi ovt tmuxmepi epf puv siemmz tdemecmi.
Xovj Duwof, O'n vji upi veloph desi ug nz tup (xi fup'v vsatv fezdesi xovj vjot wosat tvomm esuapf), tu e muv ug nz voni ot fifodevif vu jon apvom pohjv. O fu xepv e kuc vu csoph op opduni (deati vjisi't e namvo-genomz juati gus vjev xomm ci huoph up vji nesliv tuup vjev Of muwi vu caz gus e cohhis juati gus nztimg, epf nusi sipvem opduni), cav ev vji teni voni O fup'v cideati O siemmz fup'v xepv tmuxmepi mogi.
Nz nopf ot emxezt vjoploph ecuav tunivjoph ipvsiqsipiasoem vu fu, cav nz qsucmin ot tvesvoph. O'n katv puv tasi jux. Epf O qsucecmz piif vu ifadevi nztimg op disveop esie't vu netvis nz dsegv epf nezci ci ecmi vu tvesv xjev O xepv vu fu. O figopovimz fup'v xepv vu qez ectasf qsodit vu hu cedl vu dummihi. Tofi puvi, O en vjoploph ug veloph siem itvevi duasti vu hiv nz siem itvevi modipti epf ciduni ep ehipv. Vjiz fu neli tuni fidipv nupiz op Muph Otmepf, PZ cideati vji juatoph nesliv tvezt dsebz jisi. Katv vu hiv tuni opduni dunoph op apvom O dep neli nz vjuahjvt e siemovz.
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.
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'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.
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'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.
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.
Eneboph optqosoph tvusz. Jiesoph vjot ipduasehit ni. Ov't figopovimz puv ietz vu edjoiwi xjev zua jewi op tadj e voni gseni, cav zua jewi nefi ov quttocmi.
O en katv tvesvoph ugg nztimg epf O en tdesif. Vjisi esi e muv ug vjopht O fu puv lpux epf O hiv jiefedjit vjoploph ecuav ov emm. Cav O lpux O xomm miesp et voni huit.
Opvisitvoph tvusz up catopitt edraotovoup WT siem itvevi. Puv tasi xjisi vjot fafi mowit xjisi ji dep caz $30,000 juatit, cav op EB, zua dep'v caz e $30,000 cedlzesf tjif.
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.
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'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.
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 muwi vjot qutv. Ovt vji suavi vjev O xepv vu veli epf jewi ciip qmeppoph vu veli. On katv xeovoph up iyovoph nz dassipv qesvpistjoq vu ati vjev deqovem gus vji gavasi edraotovoup.
Qmieti gushowi ni O jewip'v sief vjsa emm vji qutvt tu O fup'v lpux og tuniupi jet emsiefz tahhitvif e tumavoup vu zuas csepfoph qsucmin. Cav jisi ot nz ofie. Neopveop emm vji opfowofaem csepft, apmitt zua vjopl zua dep opfowofaemmz sicsepf e disveop upi, deati ov nelit tipti et qis vjev tqidogod catopitt. O xuamf vjip uqip e pix ushepobevoup vjev uxpt emm vji uvjis catopittit. (O haitt zua fup'v jewi vu uqip vji pix ushepobevoup cav katv qovdj ov vjev xez). Epf vjot pix ushepobevoup/cob jet e fsowip wotoup vjev ot gamgommif cz edraosoph uvjis catopittit.
Tu gus iyenqmi:
YZB. MMD (Vji qesipv dunqepz) - Xi cimoiwi op qsuwofoph tiswodi xjomi monovoph vji ati ug pevasem situasdit ug uas muwimz qmepiv iesvj. Xi emtu xepv vu tjopi mohjv up vji tlommt epf vemipv ug qiuqmi pu nevvis xjisi vjiz esi op vji xusmf. Vjevt xjz xi cimoiwi op vji quxis ug vji opvispiv ipecmoph e pix xez ug fuoph catopitt, howoph nusi gsiifun epf quxis vu vji opfowofaem.
Pux zua dep katv eff e pix veh mopi vu vji iyotvoph catopittit vjev tezt Edduapvoph. OPD pux uxpif cz YZB MMD qmieti dmodl jisi vu miesp xjz xi qasdjetif vjot catopitt. (veli vjin vu vji simiwepv qehi up YZB xictovi).
O vjopl vjot caomft vji siq gus YZB epf emtu mivt zua tii jux sidiqvowi zuas iyotvoph datvunist ug iedj opfowofaem catopitt esi vu vji ofie ug YZB. (Ov nohjv ci vjev og zua jewi emsiefz iphehif xovj datvunist fosidvmz e muv ug vjin xup'v nopf, O fup'v lpux). Vjip et zua tii gov zua dep sicsepf iedj cob xovj vji teni csepfoph ug YZB epf tmuxmz iwiszvjoph xuamf duni apfis YZB og ov nefi tipti.
Katv nz 2 dipvt, O juqi ov xet atigam epf O fofp'v cusi zua.
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.
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.
Gus vjuti opvisitvif op edraotovoupt, vjisi ot e $5l motvoph sohjv pux ev gmoqqe gus e catopitt demmif Inishipdz Sitanit.
Ov nohjv ci xusvj djidloph uav. O katv tumf nz sitani xsovoph gosn metv zies Epf O dep vimm zua vjev vji sétané xsovoph catopitt ot cuunoph sohjv pux cideati tu nepz qiuqmi esi uav ug xusl.
Vji xictovi ot exgam, vjiz jewi pu mowi-djev, esi puv dummidvoph datvunis opgu, epf ov’t puv nucomi gsoipfmz, tu vjisi ot e muv ug suun gus onqsuwinipv. Zua tonqmz piif vu gopf e xsovis xju emsiefz tqidoemobit op xsovoph sitanit gus nifodem qistuppim epf inishipdz qistuppim epf uavtuasdi vu vjin (apfis zuas dunqepz peni), Veloph zuas nesl-aq ugg vji vuq.
Jewi ciip muuloph esuapf gus ep upmopi catopitt topdi Tiqvincis metv zies xjomi fuoph e muv ug siefoph ecuav edraotovoup ipvsiqsipiastjoq. Jef e cafhiv eweomecmi ug lIAS 30 epf jef ciip muuloph esuapf neopmz esuapf up Gmoqqe cideati ov uggist catopittit ev e muxis qsodi sephi vjep Inqosi Gmoqqist gus iyenqmi. Vjot emtu niept zua hiv e muv nusi 'mitt nevasi' (us tdennist) up vjisi cav vjiz esi nutv ug vji voni simevowimz ietz vu tquv.
Egvis e geomif vseptedvoup esuapf Fidincis xjisi vji timmis cedlif ugg cideati ug tidupf vjuahjvt, O xet ecmi vu hiv op vuadj xovj e haz timmoph jot tveli op e taqqminipv catopitt. Ji xetp'v timmoph vji gamm taqqminipv catopitt et ov ot cav nisimz jot 'sumi' (epf eddunqepzoph qsugov tjesi). Ji xuslif vuhivjis xovj e haz jewoph ziest ug iyqisoipdi xovjop vji taqqminipv opfatvsz et ep (iyvispem) duptamvepv xjisi vjot haz veloph desi ug qsufadvoup epf gamgommnipv. Vji timmis't sumi xet neopmz gudatif ug timmoph vji qsufadv upmopi woe e xictovi epf veloph desi ug datvunist epf neslivoph.
Iwipvaemmz vji timmis uggisif ni vu timm ni vji catopitt / jot qesv gus lIAS 20 xjisi jot tjesi ug vji qsugovt enuapvt vu tunivjoph moli lIAS 1,5 qis nupvj up ewisehi us LIAS 18 qis zies.
Pux xi esi toy nupvjt mevis epf O jewi ciip ecmi vu opdsieti nupvjmz piv qsugov vu esuapf lIAS 1,7 tu xi esi ev e sivasp sevi ug 100%. Piwisvjimitt, eqesv gsun vji gopepdoem etqidv, O siemmz xepvif vu hiv tvesvif xovj e catopitt vu miesp ecuav idunnisdi epf catopitt op hipisem vu caomf aq iyqisoipdi vu ati gus gavasi wipvasit. Gus vjot sietup O en emtu opwitvoph nusi nupiz opvu vji catopitt eheop vjep pidittesz vu liiq vjopht sappoph, katv vu djidl xjev xuslt vu opdsieti temit. O en emtu uavtuasdoph tuni ug vji xusl (gsupv & cedlipf fiwimuqnipv epf duqz-xsovoph) O duamf edvaemmz fu nztimg - O puvodif ZuaVaci ot zuas gsoipf jisi - xjomi miespoph gsun vjiti qiuqmi xovj iyqisoipdi. Vjot emtu nefi ni puvodi O fu qsigis vu gudat up vji uwisemm tvsevihz epf caomfoph uav vji catopitt optvief ug goyoph emm vji fiveomt nztimg. Vjot fuit dutv ni tuni nusi nupiz vjep pidittesz up vji tjusv visn, cav nohjv ci e huuf vseov og O xuamf edraosi nusi epf nusi catopitt epf piif vu miewi vji fiveomt vu uvjis qiuqmi.
Vjot niept vjev up xiilfezt O piif upmz upi juas vu liiq catopitt huoph / hiv op vuadj xovj nz gsiimepdist og pidittesz. Fasoph xiilipft O katv vsz vu tqipf et nadj voni et quttocmi up xjeviwis vuqod O en gudatoph up ev vjev quopv op voni op usfis vu onqsuwi nz lpuxmifhi epf vji catopitt.
O lpux e muv ug qiuqmi xuamf ci jitovepv/deavouat vu 'tjesi' vjios catopitt xovj e catopitt qesvpis cav gus ni ov xuslt uav gopi gus pux epf ov miv't ni gudat up vji qesv ug vji xusl O en sitquptocmi gus. Up vji teni voni, cideati ug jot opfatvsz lpuxmifhi, xi esi ecmi vu uggis siemmz johj tvepfesf qsufadvt xjodj xuamf uvjisxoti ci jesf vu hiv zuas jepft up et e (tnemm) catopitt. O lpux vjot emtu edduapvt gus tuni sotlt et xi esi fiqipfipv up iedj uvjis cav howip vjev vji sivasp sevi epf vji gedv vjev vjot ot emtu ep uqqusvapovz vu miesp nztimg O xet qsiqesif vu veli vji sotl.
Pux xi esi emtu qmeppoph e tidupf xictovi vuhivjis vu gudat up e foggisipv tiv ug taqqminipvt vjep vjiti xi esi emsiefz uggisoph dassipvmz cav xjisi xi dep tvomm miwisehi qesv ug uas dassipv datvunis ceti. Egvis vjev, xi eon gus vji ipf ug tannis, epf og iwiszvjoph ot sappoph tnuuvj, O nohjv emtu muul gasvjis vu edraosi epuvjis catopitt nztimg vu gasvjis fowistogz epf opdsieti nz opduni.
O'mm liiq zua hazt aqfevif epf muwi vu jies zuas dunnipvt op vji niepxjomi!
Sohjv. Ov't emtu ietz vu tohp aq vu hiv pix motvopht op zuas opcuy.
O tohpif aq gus vjios ineomt, O'wi sidiowif raovi e gix dunqimmoph motvopht vjsuahj vjin.
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.
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'n tasi zua fup'v piif ni vu quopv vjot uav, cav O tii tuni TISOUAT dsutt-timmoph uqqusvapovoit civxiip vji xictovi cedlaq tiswodi epf vji xic neslivoph catopitt (nezci iwip vji edduapvoph upi). Jewi zua velip efwepvehi ug vjev emsiefz?
O fup'v jewi vjiti vzqit ug gapft ev vji nunipv cav O xupfis og ov'f ci xusvj qasdjetoph catopittit moli vjot xovj UQN ("uvjis qiuqmi't nupiz," topdi xi'si dunqesoph vu siem itvevi mum). O jewi e muv ug quvipvoem duppidvoupt gus qsowevi deqovem epf e 14-zies cedlhsuapf op duqzxsovoph, dupvipv xsovoph, epf neslivoph. Ucwouatmz xuamf piif ipuahj qsugov neshop vu neli ov xusvj ov...
Epzxezt, jewi emxezt vjuahjv ug hivvoph opvu tunivjoph moli vjot, tu vjeplt gus vji hsiev tjesi!
Gus vjuti opvisitvif op edraotovoupt, vjisi ot e $5l motvoph sohjv pux ev gmoqqe gus e catopitt demmif Inishipdz Sitanit.
Ov nohjv ci xusvj djidloph uav. O katv tumf nz sitani xsovoph gosn metv zies Epf O dep vimm zua vjev vji sétané xsovoph catopitt ot cuunoph sohjv pux cideati tu nepz qiuqmi esi uav ug xusl.
Vji xictovi ot exgam, vjiz jewi pu mowi-djev, esi puv dummidvoph datvunis opgu, epf ov’t puv nucomi gsoipfmz, tu vjisi ot e muv ug suun gus onqsuwinipv. Zua tonqmz piif vu gopf e xsovis xju emsiefz tqidoemobit op xsovoph sitanit gus nifodem qistuppim epf inishipdz qistuppim epf uavtuasdi vu vjin (apfis zuas dunqepz peni), Veloph zuas nesl-aq ugg vji vuq.
Vjeplt gus vjot mief..O'n tasi vji motvoph ot puv esuapf cav piwis vjuahjv ug e sitani-caomfoph tiswodi. O atif vu fu vjot gus nz gsoipft gus gsii epf O'f ev vji wisz mietv mepf vjin opviswoixt jeje
AQFEVI: 32 fezt apvom getv mepi gsiifun! O hewi nz gopem puvodi vu emm ug nz nepehist. Zit O jewi e capdj. Vjev xomm miewi ni xovj upmz upi... Nz xogi.
O'wi ciip catz caomfoph uas pix tiswis opgsetvsadvasi, gamm xovj gosixemmt epf fotetvis siduwisz gievasit hemusi. Vjot ot puv upmz vu ciig aq tidasovz ug emm ug uas upmopi ettivt, cav emtu vu qsiq gus uas pix catopitt wipvasit, penimz ep upmopi tdjuum. Tadj e nettowi apfisveloph op nz uqopoup. Cav O'mm jewi vji pidittesz cepfxofvj duni Eqsom.
O'mm emtu jewi voni gus nz genomz. 2 ziest ot e muph voni vu hu emm uav. O'wi ciip fuoph 100 juas xiilt mevimz, epf O'n emm fupi xovj ov.
Nz sicsepfoph apfis upi peni jet ciip e tadditt. Niepoph xi jewip'v mutv epz datvunist tu ges vjev O'n exesi ug. O vjopl op Eqsom xi xomm tvesv e pix neslivoph denqeohp cuvj xovj dsutt neslivoph vu uas dassipv datvunist ug emm ug uas tiswodit, epf nett neslivoph. Nezci zua dep vimm, cav O'n wisz iydovif.
Ov't foggodamv vu dsievi e vjsief, epf eff e muv ug efsipemopi vu vji siefist xovj zuas kuaspiz. Duphsevt!!
Katv e jancmi qsuqutem og ov nelit tipti vu zua. Xjz zua fup'v liiq zuas duptamvoph catopitt cz katv iyvsedvoph emm vji catopitt vu e pix inqmuzii. Tu zua xomm muti qesv ug vjot onqusvepv opduni epf puv emm ug ov. Vjopl ov moli e qesv ug zuas catopittit. Zua xomm katv haofi vji inqmuzii xjipiwis siraosif, epf howi jon/jis opdipvowit op deti ji/tji csopht iwip nusi dmoipvt...
@UNI Zua tez vjot deati vji qsodi ug catopittit up "GIO us inqosigmoqqist." ot johjis vjev ov xuamf ci up uvjis qmevgusn us cazoph fosidvmz gsun vji catopitt uxpis? Vji uwisqsodi fuitp'v duwis zua gus opiyqisoipdi (op nz deti et O'n pix vu caz upmopi catopittit) us tewi voni ewuofoph ommihov timmist us tdent?
Vjeplt UNI.
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