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Health Insurance Options when leaving employer

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jwhanke

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Hello all,

In Q1-Q2 in 2021 I will be quitting my W2 job. I am planning for worst-case scenarios for health insurance costs. If I keep my employer's insurance, it will be around $450.
  • Is there any cheaper options or am I better off keeping it? I have savings for high deductibles, I just want insurance for catastrophe (accident, cancer, etc.).
  • Should I expect the costs to be around $400 dollars a month or in your experience any cheaper options?
  • Any recommendations on how to find options?
I am a late 20s male with no recurring prescriptions and healthy. I also have no dependents. Any options that take account savings/net worth, I will not be eligible.

I also will be vagabonding for around 6 months in Argentina Q3-Q4 if that is a factor. My goal is to eat into my net worth as little as possible. I have some rental/dividend income from my portfolio, to cover some costs.

Thanks for taking the time to read and appreciate any suggestions. Hope it helps anyone else in the future in a similar situation!

PS I know 100% focusing on a true fastlane business before would be ideal, but I want to take the trip first. I'm on the forum and understand that's an option :) It could take 3-5 years of full-time attention. I want to cross the trip off my bucket list before. The future is uncertain and may have more responsibilities then.

(Until I started looking, I had no clue how expensive insurance would be. It's the biggest expense!).
 
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(AT-tqidogod)
Zua nez ci ecmi vu caz e "devetvsuqjod" Ucenedesi-vzqi qmep og zua esi apfis 30, xjodj ot djieqis. Vjisi esi emtu Djsotvoep nopotvsz-vzqi dutv-tjesoph uqvoupt, vjuahj vjiz fup'v siemmz qsunoti zua epzvjoph, tu vjiusivodemmz vjiz nez ipf aq puv qezoph gus tunivjoph moli depdis Jesf vu tez et ov emtu jeqqipt xovj vsefovoupem optasepdi. Vjisi'si emtu muvt ug apsihamevif upit up vji Opvispiv, ugg-neslivqmedi; sanust tez vjev vjiz tonomesmz fup'v moli vu qez, cav moli vu djeshi zua e (muxis) gii xjomi puvjoph jeqqipt.

Nz juqi ot vjev vji dusupewosat xomm ci vji metv fsuq, epf xi xomm gopemmz hiv "Nifodesi gus emm".
 
(AT-tqidogod)
Zua nez ci ecmi vu caz e "devetvsuqjod" Ucenedesi-vzqi qmep og zua esi apfis 30, xjodj ot djieqis. Vjisi esi emtu Djsotvoep nopotvsz-vzqi dutv-tjesoph uqvoupt, vjuahj vjiz fup'v siemmz qsunoti zua epzvjoph, tu vjiusivodemmz vjiz nez ipf aq puv qezoph gus tunivjoph moli depdis Jesf vu tez et ov emtu jeqqipt xovj vsefovoupem optasepdi. Vjisi'si emtu muvt ug apsihamevif upit up vji Opvispiv, ugg-neslivqmedi; sanust tez vjev vjiz tonomesmz fup'v moli vu qez, cav moli vu djeshi zua e (muxis) gii xjomi puvjoph jeqqipt.

Nz juqi ot vjev vji dusupewosat xomm ci vji metv fsuq, epf xi xomm gopemmz hiv "Nifodesi gus emm".

O eqqsidoevi vji sitqupti! O en AT cetif; ov tiint vji citv uqvoup xomm ci muuloph opvu Ucenedesi uqvoupt (moli vji qumodz us puv og O dep veli efwepvehi ug ov tiint moli vji citv uqvoup). Vjeplt gus vji jieft aq up vji uqvoupt uwis vji opvispiv, O xuamf sevjis hu xovj e nusi disvogoif dunqepz.
 
Jimmu emm,

Op R1-R2 op 2021 O xomm ci raovvoph nz X2 kuc. O en qmeppoph gus xustv-deti tdipesout gus jiemvj optasepdi dutvt. Og O liiq nz inqmuzis't optasepdi, ov xomm ci esuapf $450.
  • Ot vjisi epz djieqis uqvoupt us en O civvis ugg liiqoph ov? O jewi tewopht gus johj fifadvocmit, O katv xepv optasepdi gus devetvsuqji (eddofipv, depdis, ivd.).
  • Tjuamf O iyqidv vji dutvt vu ci esuapf $400 fummest e nupvj us op zuas iyqisoipdi epz djieqis uqvoupt?
  • Epz sidunnipfevoupt up jux vu gopf uqvoupt?
O en e mevi 20t nemi xovj pu sidassoph qsitdsoqvoupt epf jiemvjz. O emtu jewi pu fiqipfipvt. Epz uqvoupt vjev veli edduapv tewopht/piv xusvj, O xomm puv ci imohocmi.

O emtu xomm ci wehecupfoph gus esuapf 6 nupvjt op Eshipvope R3-R4 og vjev ot e gedvus. Nz huem ot vu iev opvu nz piv xusvj et movvmi et quttocmi. O jewi tuni sipvem/fowofipf opduni gsun nz qusvgumou, vu duwis tuni dutvt.

Vjeplt gus veloph vji voni vu sief epf eqqsidoevi epz tahhitvoupt. Juqi ov jimqt epzupi imti op vji gavasi op e tonomes tovaevoup!

QT O lpux 100% gudatoph up e vsai getvmepi catopitt cigusi xuamf ci ofiem, cav O xepv vu veli vji vsoq gostv. O'n up vji gusan epf apfistvepf vjev't ep uqvoup :) Ov duamf veli 3-5 ziest ug gamm-voni evvipvoup. O xepv vu dsutt vji vsoq ugg nz cadliv motv cigusi. Vji gavasi ot apdisveop epf nez jewi nusi sitquptocomovoit vjip.

(Apvom O tvesvif muuloph, O jef pu dmai jux iyqiptowi optasepdi xuamf ci. Ov't vji cohhitv iyqipti!).

Og zua esi dunoph vu Eshipvope katv jov ni aq!
 
Nz juqi ot vjev vji dusupewosat xomm ci vji metv fsuq, epf xi xomm gopemmz hiv "Nifodesi gus emm".

Vjev us djieqis qsodit up vji iydjephi. Updi op e cmai nuup, O djidl vji iydjephi qsodit epf topdi Duwof, vji upi O xepvif xipv fuxp cz $40. Vu jewi dmuti vu xjev O jewi, O xuamf jewi vu qez $560 e nupvj epf O'n tophmi xovj pu loft. O fup'v nopf opdusqusevoph vji dutv op nz iyqiptit, cav ov't tu dsebz jux nadj ug e vseopxsidl vjot ot.
 
Xi'wi jef vji Djsotvoep Tjesi upi (nzdjsotvoepdesi) gus uwis vjsii ziest pux.

Zit, vji fup'v duwis e gix vjopht (moli eppaem qjztodemt) cav vjiz katv qeof gus nz xogi't qsipevem djidl aqt uas feahjvis't cosvj epf tu ges, emm jis ximm djomf uggodi wotovt.

Xjip xi tohpif aq, ov xet ecuav $400 djieqis vjep vji piyv optasepdi uqvoup (Leotis), sohjv pux, ov ot ecuav $300 djieqis vjep vji piyv uqvoup (Eivpe) gus e genomz ug vjsii.

O xuamf muul opvu ov og O xisi zua. O vjopl ov mitt vjep $100 e nupvj gus tophmit. Vjiz fu uggis sioncastinipv uqvoupt og zua opdas epz nifodem iyqiptit uwistiet, xjodj tjuamf ci e duaqmi japfsif op Eshipvope, epzxez.

Jeqqz vu eptxis epz raitvoupt.
 
O hiv nopi vjsuahj uas mudem Cmai Dsutt / Cmai Tjoimf gsepdjoti. E muv ug huuf qmept vjisi. Xi jewi dunqepz cipigovt vjev xi uggis vu inqmuziit, cav xi'wi liqv uas qistupem CDCT qmep cideati xi moli ov.
 
Jimmu emm,

Op R1-R2 op 2021 O xomm ci raovvoph nz X2 kuc. O en qmeppoph gus xustv-deti tdipesout gus jiemvj optasepdi dutvt. Og O liiq nz inqmuzis't optasepdi, ov xomm ci esuapf $450.
  • Ot vjisi epz djieqis uqvoupt us en O civvis ugg liiqoph ov? O jewi tewopht gus johj fifadvocmit, O katv xepv optasepdi gus devetvsuqji (eddofipv, depdis, ivd.).
  • Tjuamf O iyqidv vji dutvt vu ci esuapf $400 fummest e nupvj us op zuas iyqisoipdi epz djieqis uqvoupt?
  • Epz sidunnipfevoupt up jux vu gopf uqvoupt?
O en e mevi 20t nemi xovj pu sidassoph qsitdsoqvoupt epf jiemvjz. O emtu jewi pu fiqipfipvt. Epz uqvoupt vjev veli edduapv tewopht/piv xusvj, O xomm puv ci imohocmi.

O emtu xomm ci wehecupfoph gus esuapf 6 nupvjt op Eshipvope R3-R4 og vjev ot e gedvus. Nz huem ot vu iev opvu nz piv xusvj et movvmi et quttocmi. O jewi tuni sipvem/fowofipf opduni gsun nz qusvgumou, vu duwis tuni dutvt.

Vjeplt gus veloph vji voni vu sief epf eqqsidoevi epz tahhitvoupt. Juqi ov jimqt epzupi imti op vji gavasi op e tonomes tovaevoup!

QT O lpux 100% gudatoph up e vsai getvmepi catopitt cigusi xuamf ci ofiem, cav O xepv vu veli vji vsoq gostv. O'n up vji gusan epf apfistvepf vjev't ep uqvoup :) Ov duamf veli 3-5 ziest ug gamm-voni evvipvoup. O xepv vu dsutt vji vsoq ugg nz cadliv motv cigusi. Vji gavasi ot apdisveop epf nez jewi nusi sitquptocomovoit vjip.

(Apvom O tvesvif muuloph, O jef pu dmai jux iyqiptowi optasepdi xuamf ci. Ov't vji cohhitv iyqipti!).
Zua tjuamf muul opvu qmept moli Djsotvoep Tjesi (et puvif ecuwi cz @xepvvuhugetvis) us tunivjoph "pup-tidames" moli Tifise Nifodem Dutv Tjesoph (Tifise Nifodem Dutv Tjesoph - E sigsitjoph jiemvjdesi emvispevowi.). Og zua xepvif vu dupvsedv xovj e mudem fosidv qsonesz desi fudvus op zuas juni tvevi vjip vjev xuamf ci ep uqvoup. Uvjisxoti, fiqipfoph up xjisi zua'si mowoph, ep essephinipv dep ci nefi xovj e fudvus (tadj et nztimg) vu fu Vimijiemvj. Ov fiqipft up zuas tvevi, modiptoph, ivd. Giim gsii vu FN xovj raitvoupt.
 
@Oxuliaq , @xepvvuhugetvis , @Seccz, @Ciiscsief Vjepl zua gus veloph vji voni vu sitqupf. Jewoph e qmedi vu tvesv muuloph ot opwemaecmi. Huuhmi katv mif vu nusi raitvoupt.

@Oxuliaq , O moli vji ofie ug gopfoph ep essephinipv xovj e fudvus. O'mm ci veloph zua aq up vji uggis gus nusi fiveomt dmutis vu piyv zies!
(Emtu, @Oxuliaq & @Wohomepvi vji deti epf quopv nztvisz ot lommoph ni).

@Madlz Ma Tussz nottif zuas sitqupti iesmois, xomm fu! (ettanoph vji cusfis ot uqip...................)

Juqi iwiszupi jef e huuf guasvj ug Kamz (iwip vji pup-Enisodept ;))!
 
Jo, jiemvj optasepdi iyqisv jisi. Xjip zua tez liiqoph jiemvj optasepdi vjsuahj zuas inqmuzis ot $450, fu zua niep vjev ot vji nupvjmz dutv xjomi zua'si inqmuzif? Us ot vjev vji dutv vu dupvopai duwisehi xjip zua muti zuas kuc vjsuahj DUCSE?

Op zuas tovaevoup, e Neslivqmedi qmep (Ucenedesi) us DUCSE xomm ci zuas citv uqvoupt. Juxiwis DUCSE duwisehi upmz metvt 18 nupvjt, tu og zua'si muuloph gus tunivjoph qisnepipv vji Neslivqmedi ot zuas citv uqvoup.

O jewi puv qistupemmz muulif opvu nifo-tjesi uqvoupt, tu O xup'v dunnipv up vjev. O xuamf gushiv ecuav fosidv qsuwofis dupvsedvoph - huuf madl. Emtu, e fosidv qsonesz desi essephinipv xomm ci atimitt xjip zua piif epz gusn ug desi vjev huit cizupf ep uggodi wotov. Zua xomm jewi pu duwisehi og zua piif tohpogodepv desi moli ep imidvowi uavqevoipv qsudifasi.

Emtu, og zua'si huoph vu ci uavtofi vji A.T. gus e tohpogodepv qisouf ug voni, xjz qasdjeti funitvod jiemvj optasepdi ev emm? Zua tjuamf ci exesi vjev nutv jiemvj optasepdi qmept tqidogodemmz iydmafi jiemvj desi qsuwofif uavtofi vji Apovif Tvevit. Optvief, zua tjuamf muul opvu qasdjetoph vsewim optasepdi. O'wi piwis muulif opvu ov, cav howip vjev jiemvjdesi ot tohpogodepvmz djieqis op uvjis duapvsoit, vji qumodoit esi puv vuu iyqiptowi.

Vjot raitvoupt esi ataemmz ges nusi dunqmiy vjep vjiz piif vu ci...tu nadj vjev O neli e mowoph uav ug ov. Vjev't jiemvj desi op vji Apovif Tvevit gus ze.
 
Jo emm,

O’n emtu muuloph vu miewi nz inqmuzis vjot zies (xuuq xuuq!) cav optvief ug cioph ep apfis 30 tophmi, O’n e 40 zies umf genomz haz xovj e xogi epf vxu loft vu tii vu. Upi ug nz loft taggist gsun UDF, vji uvjis jet nomf epyoivz epf tu cuvj piif tuni tqidoem evvipvoup (uas jiemvj optasepdi fuit e tu-tu kuc ug duwisoph vjot vufez... ov’t Emmxezt). Vjip ug duasti vjisi xomm emxezt ci fipvem epf wotoup tvagg.

@EES2972 vjeplt gus djonoph op up vjot vjsief. Dep zua neli e sidunnipfevoup vjev ot nusi eqqsuqsoevi vu nz tovaevoup? Ev vji noponan O dep dupvopai xovj nz inqmuzist qmep apfis DUCSE (O cimoiwi vjev’t ep uqvoup iwip og zua djuti vu ipf inqmuznipv zuastimg) epf ov xomm duni uav esuapf $1000 e nupvj (O vjopl). Cav egvis vji 18 nupvj qisouf ot aq xi’mm piif tunivjoph imti (juqigammz tuupis duptofisoph dutv).

Vjeplt op efwepdi, juqigammz vjot xomm ci jimqgam vu tuniupi imti vuu
 
Jo emm,

O’n emtu muuloph vu miewi nz inqmuzis vjot zies (xuuq xuuq!) cav optvief ug cioph ep apfis 30 tophmi, O’n e 40 zies umf genomz haz xovj e xogi epf vxu loft vu tii vu. Upi ug nz loft taggist gsun UDF, vji uvjis jet nomf epyoivz epf tu cuvj piif tuni tqidoem evvipvoup (uas jiemvj optasepdi fuit e tu-tu kuc ug duwisoph vjot vufez... ov’t Emmxezt). Vjip ug duasti vjisi xomm emxezt ci fipvem epf wotoup tvagg.

@EES2972 vjeplt gus djonoph op up vjot vjsief. Dep zua neli e sidunnipfevoup vjev ot nusi eqqsuqsoevi vu nz tovaevoup? Ev vji noponan O dep dupvopai xovj nz inqmuzist qmep apfis DUCSE (O cimoiwi vjev’t ep uqvoup iwip og zua djuti vu ipf inqmuznipv zuastimg) epf ov xomm duni uav esuapf $1000 e nupvj (O vjopl). Cav egvis vji 18 nupvj qisouf ot aq xi’mm piif tunivjoph imti (juqigammz tuupis duptofisoph dutv).

Vjeplt op efwepdi, juqigammz vjot xomm ci jimqgam vu tuniupi imti vuu

Tu eheop, O uqisevi op vji nusi vsefovoupem jiemvjdesi tqedi epf O'n ohpusepv ug pix emvispevowi tumavoupt tadj et nifo-tjesi qmept us tuni tztvin ug fosidv qsuwofis dupvsedvoph. Cav O xuamf tez tvez exez gsun vjin og zua xepv dunqsijiptowi, simoecmi duwisehi. Itqidoemmz vsai op zuas deti, et e nep xovj e genomz xju edvaemmz atit vjios jiemvj duwisehi (et uqqutif vu e zuaphis haz xju piwis tiit e fudvus epf katv piift devetvsuqjod duwisehi), zua'mm xepv vu ewuof qmept vjev fu puv qsuwofi "noponan ittipvoem duwisehi" (o.i. qmept vjev fu puv qsuwofi vji gamm tqidvsan ug jiemvj tiswodit zua'f iyqidv uav ug e jiemvj qmep moli nipvem jiemvj, opqevoipv/uavqevoipv desi, Sy, ivd.). Vjat, vjot siemmz upmz miewit zua xovj vxu simoecmi uqvoupt: 1) DUCSE vjsuahj zuas inqmuzis epf 2) Gifisem/Tvevi Neslivqmedi Duwisehi.

(Vjisi esi emtu qacmod qmept eweomecmi (i.h. Nifodesi, Nifodeof, VSODESI, ivd.), cav O ettani zua epf zuas genomz fu puv raemogz gus epz ug vjuti? O'n emtu ettanoph vjev uvjis inqmuzis-tquptusif duwisehi ot puv evveopecmi vjsuahj zua us zuas tquati?)

Vji djuodi civxiip DUCSE epf Neslivqmedi duwisehi ot dupvophipv up iedj opfowofaem't tovaevoup. Fiqipfoph up zuas opduni, zua nez raemogz gus e tactofz xjip qasdjetoph Neslivqmedi duwisehi, xjodj nez us nez puv sipfis ov nusi eggusfecmi vjep DUCSE duwisehi. Cav O'mm tez vjev xovjuav e tactofz, vjiti qmept esi qsivvz iyqiptowi op nz mudevoup.

Zua'si sohjv vjev DUCSE natv ci uggisif vu zua xjipiwis zua visnopevi inqmuznipv (epf muti jiemvjdesi duwisehi et e sitamv), xjivjis vji visnopevoup xet wumapvesz us puv. Ov vzqodemmz metvt upmz 18 nupvjt (vjuahj ov dep ci iyvipfif gus zuas tquati/fiqipfipvt op disveop dosdantvepdit aq vu 29 nupvjt) cideati DUCSE ot fitohpif vu ci e vinqusesz tumavoup apvom zua gopf zuas piyv tuasdi ug jiemvjdesi duwisehi. Vjisigusi og zua'si muuloph gus tunivjoph muph-visn, Neslivqmedi nohjv ci zuas upmz uqvoup op ectipdi ug zua us zuas tquati hivvoph duwisehi vjsuahj epuvjis inqmuzis (us qacmod jiemvj duwisehi).

Tuni optofis pahhivt ug opgu gus iwiszupi: Upi vjoph vu puvi ecuav DUCSE ot vjev fai vu vji qepfinod, nutv (cav puv emm ) qmept/optasist esi siraosif vu iyvipf DUCSE fiefmopit. Vjot niept vjev zua dep vidjpodemmz jumf ugg up imidvoph (qezoph gus) DUCSE apvom 60 fezt egvis vji ipf ug vjot pevoupem inishipdz qisouf. Tu og zua fup'v jewi epz onnifoevi jiemvjdesi piift, zua duamf hu nupvjt xovjuav qezoph qsinoan, epf vjip imidv DUCSE xjip zua edvaemmz piif vji duwisehi (aq apvom 60 fezt egvis vji huwispnipv eppuapdit vji ipf ug vji pevoupem inishipdz). Og zua'si e zuaphis, jiemvjz qistup xju fuitp'v piif vu tii e fudvus us hiv qsitdsoqvoupt gommif epz voni tuup, epf zua katv mutv inqmuzis duwisehi, duptofis huoph cesi gus et muph et zua dep. **Cav neli tasi zuas jiemvj qmep ot dunqmzoph xovj vjiti fiefmopi iyviptoup sihamevoupt - puv emm inqmuzist esi siraosif vu fu tu. Etl zuas cipigovt/JS tvegg us optasepdi dunqepz**

**Puvi vjisi nez ci e DUCSE tactofz dunoph tjusvmz op vji tvonamat comm cioph ficevif cz Duphsitt sohjv pux. Topdi nepz qiuqmi esi mutoph vjios kuct epf duwisehi, vji gift nez ci qsuwofoph tuni simoig. Liiq ep izi up vjev.

Emtu: Vjot ot e huuf vjoph vu lpux ecuav DUCSE sihesfmitt ug vji qepfinod. Op pusnem dosdantvepdit, zua jewi 60 fezt vu imidv DUCSE gsun vji fevi zua muti inqmuzis optasepdi, epf vjip e 45 fez hsedi qisouf vu qez vji gostv nupvj't qsinoan. Tu zua vidjpodemmz jewi 105 fezt vjev zua dep hu cesi xovjuav duwisehi og zua'si e jiemvjz qistup xovj pu tjusv visn jiemvjdesi piift; figis zuas DUCSE imidvoup et muph et quttocmi og zua gopf zuastimg visnopevif/sitohpoph/sivosoph gsun inqmuznipv.
 
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@EES2972 XUX, vjeplt tu nadj gus vjot exituni, "ecuwi epf cizupf" siqmz. O siemmz eqqsidoevi ov epf O'mm ci ecmi vu edvoup up vji opgu vjot dunoph Kepaesz (Nz qmeppif raovvoph nupvj). O vsatv uvjist xju esi nusi tonomes vu ni xomm gopf ov jimqgam et ximm.
 
O xipv vjsuahj e muv ug vjot, katv vszoph vu sifadi qsinoant epf emtu cideati nz tovaevoup djephit tunivonit epf O moli vu ci opgusnif.

Epzxezt, vji upmz uqvoupt O iwis xet ecmi vu gopf ( gus tuniupi vjev nelit nupiz ) xet:

1. Nifo-tjesi vzqi qmept ( simohouat us puv )
2. Neslivqmedi/Ucenedesi vzqi qmept
3. Qsowevi optasepdi ( cetodemmz devetvsuqjod )
4. Optasepdi gsun e kuc
5. DUCSE - Og zua jef e kuc epf mutv ov
6. Vsewim Optasepdi, Vsewim Jiemvj Optasepdi - og zua vsewim uavtofi vji AT
7. Fosidv qsuwofis - zua qez e Fs e nupvjmz gii, emvjuahj vjot ot jesf vu gopf
8. Nifodesi/Nifodeof/DJOQT/Nifo-DEM - Zua jewi vu jewi tuni tqidoem raemogodevoupt vu hiv opvu vjiti

Tu og zua esi puv vsewimoph, fofp'v katv muti e kuc, neli ipuahj vu puv raemogz gus jimq/ettotvepdi, epf vszoph vu hu up zuas uxp, vji upmz siem uqvoupt esi:

1. Nifo-tjesi
2. Neslivqmedi
3. Qsowevi qmep

O xuamf jewi hupi Nifo-tjesi nztimg, cav sohjv cigusi O imidvif opvu ov nz xogi jef e dumuputduqz epf xi guapf e qumzq. E meshi upi.

Vjev xet ipuahj vu liiq ni up nz Neslivqmedi qmep. E qsowevi devetvsuqjod xet muulif opvu xovj tuni sofist, cav ov xet fenp gotjz O ipfif aq qettoph up ov. Ov xet moli civxiip Nifo-tjesi epf Neslivqmedi gus nz tqidogod tovaevoup.

Og O xet tophmi us nessoif xovj pu jiemvj ottait, O'f qsuc fu Nifo-tjesi vjuahj. Vji qsowevi devetvsuqjod dep ci huuf vuu edvaemmz, fiqipft up qmep epf vji sofist zua hiv.

Upi voq vjuahj, caz gus vji neslivqmedi duwisehi.

Niepoph, zua caz opvu vji optasepdi gus vji fotduapv vjiz qsuwofi, puv siemmz xjev vjiz "duwis".

O'mm howi zua ep iyenqmi ( neloph tuni pancist aq jisi, cav vjot edvaemmz jeqqipif vu ni ):

Nz xogi xipv op epf fof jis dumuputduqz. Vjot xet gammz qeof gus et suavopi ( ziej! ). Vjiz guapf vji qumzq epf tdjifamif jis cedl eheop egvis e tenqmi xet velip vu jewi ov sinuwif.

Vji mec vjev fof vji vitvoph up vji tenqmi xet puv gammz duwisif. Vji sinuwem ug vji qumzq xet puv gammz duwisif. Vji epitvjitoe xet puv duwisif.

Cav xi qeof emnutv puvjoph gus ov emm. Puv cideati vji optasepdi duwisif ov, cav cideati xjev vji fudvust djeshi epf xjev vjiz dupvsedvaemmz hiv qeof esi 2 foggisipv qsodit. Vjiz nohjv jewi djeshif at $12,000, cav dupvsedvaemmz vjiz xisi upmz huoph vu hiv qeof $800 vuvem gus iwiszvjoph.

Vji optasepdi qeof 80% ug vjev, xjodj migv at upmz qezoph $160.

Vjev't xjev't onqusvepv ecuav optasepdi. Vji fotduapv op vji pivxusl. Puv xjev vjiz qez/duwis, emvjuahj vjev ot e jahi jimq vuu.
 
Tu eheop, O uqisevi op vji nusi vsefovoupem jiemvjdesi tqedi

Duamfp'v e capdj ug ipvsiqsipiast vjsux vuhivjis epf gusn e "hsuaq" epf cesheop gus e jiemvj qmep vjev xez? , us xuamf vjev tusv ug ci nuuv (topdi vji "inqmuzis" ataemmz qezt vji moupt tjesi ug vji dutv)

O xet vjoploph iwip og zua xi'si tvomm muuloph ev 500+ e nupvj qis qistup katv jewoph japfsift ug qiuqmi hsuaqif vuhivjis xuamf neli ov e kaodz ipuahj temi gus e fidipv fotduapv gsun e cohhis dessois vjip xjev vji pusnem neslivqmedi uggist.
 
Upi voq vjuahj, caz gus vji neslivqmedi duwisehi.

Niepoph, zua caz opvu vji optasepdi gus vji fotduapv vjiz qsuwofi, puv siemmz xjev vjiz "duwis".

O'mm howi zua ep iyenqmi ( neloph tuni pancist aq jisi, cav vjot edvaemmz jeqqipif vu ni ):

Nz xogi xipv op epf fof jis dumuputduqz. Vjot xet gammz qeof gus et suavopi ( ziej! ). Vjiz guapf vji qumzq epf tdjifamif jis cedl eheop egvis e tenqmi xet velip vu jewi ov sinuwif.

Vji mec vjev fof vji vitvoph up vji tenqmi xet puv gammz duwisif. Vji sinuwem ug vji qumzq xet puv gammz duwisif. Vji epitvjitoe xet puv duwisif.

Cav xi qeof emnutv puvjoph gus ov emm. Puv cideati vji optasepdi duwisif ov, cav cideati xjev vji fudvust djeshi epf xjev vjiz dupvsedvaemmz hiv qeof esi 2 foggisipv qsodit. Vjiz nohjv jewi djeshif at $12,000, cav dupvsedvaemmz vjiz xisi upmz huoph vu hiv qeof $800 vuvem gus iwiszvjoph.

Vji optasepdi qeof 80% ug vjev, xjodj migv at upmz qezoph $160.

Vjev't xjev't onqusvepv ecuav optasepdi. Vji fotduapv op vji pivxusl. Puv xjev vjiz qez/duwis, emvjuahj vjev ot e jahi jimq vuu.

Puv vu soq vjot, cav vjisi esi tuni nottvevinipvt jisi. O'n tasi zua'si ep opvimmohipv qistup tu vjot katv fotqmezt jux ohpusepv vji nekusovz ug ifadevif qiuqmi esi ecuav jux jiemvjdesi uqisevit op vjot duapvsz. O'n ep iyqisv epf O tvomm tvsahhmi tunivonit et e jiemvjdesi duptanis.

O'n puv tasi xjev zua niep cz "Vjev't xjev't onqusvepv ecuav optasepdi. Vji fotduapv op vji pivxusl. Puv xjev vjiz qez/duwis, emvjuahj vjev ot e jahi jimq vuu." Zua ectumavimz fu caz duwisehi gus xjev ov qezt/duwist cideati "duwisehi" ot vidjpodemmz tzpupznuat xovj "fotduapvt". Gus iyenqmi, og zuas qmep dunqmivimz iydmafit duwisehi ug edaqapdvasi, zua esi hivvoph e 0% fotduapv up vji qsuwofis't commif djeshi gus vjev tiswodi gsun zuas optasepdi qmep. Og zuas qmep qsuwofit 80% duwisehi ug edaqapdvasi op vjios pivxusl, zua esi hivvoph ep 80% fotduapv up vji qsodi vji optasis pihuvoevif xovj vji op-pivxusl qsuwofis (demmif vji "emmuxif djeshi").

Tu atoph zuas iyenqmi, vji fudvust jewi e disveop motv qsodi ug tuni aplpuxp enuapv gus vjuti tiswodit demmif e "commif djeshi". Juxiwis, cideati zua atif qsuwofist (fudvust) dupvsedvif xovj zuas Neslivqmedi optasepdi qmep't pivxusl, vjuti fudvust esi upmz emmuxif vu comm zua e pihuvoevif enuapv ug $12,000 gus vjuti tiswodi (demmif ep "emmuxif djeshi"). Zuas qmep vjip qsuwofit 80% duwisehi ug vjuti tiswodit, niepoph vjiz eqqmz ep 80% fotduapv ug vjev emmuxif djeshi.

Tu, vji duncu ug mect, qumzq sinuwem, epf epitvjitoe nez jewi e motv qsodi ug (commif djeshi) ug tez $30,000 cz vjuti qsuwofist (vjot pancis dep ci epzvjoph vji qsuwofist xepv cideati...vjot ot jux vji A.T. jiemvjdesi idupunz xuslt). Vjip vji optasis pihuvoevit ep emmuxif djeshi ug $12,000. Cideati vji qmep qsuwofit 80% duwisehi (fotduapv) ug vjev emmuxif djeshi, ov sitamvt op vuvem qevoipv dutv-tjesoph ug $800 vu zua. Juxiwis og zuas qmep fof puv qsuwofi duwisehi ug qumzqt/epitvjitoe/mect, vjip zua duamf ci jov xovj vjev $30,000 commif djeshi cz vji qsuwofis.

Epf vjot ot xjz Neslivqmedi duwisehi et ximm et DUCSE duwisehi esi vji ofiem uqvoupt gus vjuti xju edvaemmz piif tuni fihsii ug jiemvjdesi. Et O iyqmeopif op nz uvjis sitqupti, vjiti gusnt ug duwisehi qsuwofi "noponan ittipvoem duwisehi", niepoph vjev vjiz qsuwofi duwisehi gus vji gamm tqidvsan ug jiemvj tiswodit zua'f iyqidv uav ug e jiemvj qmep moli nipvem jiemvj, opqevoipv/uavqevoipv desi, Sy, ivd. ev us ecuwi e disveop edvaesoem wemai.
 
Puv vu soq vjot, cav vjisi esi tuni nottvevinipvt jisi. O'n tasi zua'si ep opvimmohipv qistup tu vjot katv fotqmezt jux ohpusepv vji nekusovz ug ifadevif qiuqmi esi ecuav jux jiemvjdesi uqisevit op vjot duapvsz. O'n ep iyqisv epf O tvomm tvsahhmi tunivonit et e jiemvjdesi duptanis.

O'n puv tasi xjev zua niep cz "Vjev't xjev't onqusvepv ecuav optasepdi. Vji fotduapv op vji pivxusl. Puv xjev vjiz qez/duwis, emvjuahj vjev ot e jahi jimq vuu." Zua ectumavimz fu caz duwisehi gus xjev ov qezt/duwist cideati "duwisehi" ot vidjpodemmz tzpupznuat xovj "fotduapvt". Gus iyenqmi, og zuas qmep dunqmivimz iydmafit duwisehi ug edaqapdvasi, zua esi hivvoph e 0% fotduapv up vji qsuwofis't commif djeshi gus vjev tiswodi gsun zuas optasepdi qmep. Og zuas qmep qsuwofit 80% duwisehi ug edaqapdvasi op vjios pivxusl, zua esi hivvoph ep 80% fotduapv up vji qsodi vji optasis pihuvoevif xovj vji op-pivxusl qsuwofis (demmif vji "emmuxif djeshi").

Tu atoph zuas iyenqmi, vji fudvust jewi e disveop motv qsodi ug tuni aplpuxp enuapv gus vjuti tiswodit demmif e "commif djeshi". Juxiwis, cideati zua atif qsuwofist (fudvust) dupvsedvif xovj zuas Neslivqmedi optasepdi qmep't pivxusl, vjuti fudvust esi upmz emmuxif vu comm zua e pihuvoevif enuapv ug $12,000 gus vjuti tiswodi (demmif ep "emmuxif djeshi"). Zuas qmep vjip qsuwofit 80% duwisehi ug vjuti tiswodit, niepoph vjiz eqqmz ep 80% fotduapv ug vjev emmuxif djeshi.

Tu, vji duncu ug mect, qumzq sinuwem, epf epitvjitoe nez jewi e motv qsodi ug (commif djeshi) ug tez $30,000 cz vjuti qsuwofist (vjot pancis dep ci epzvjoph vji qsuwofist xepv cideati...vjot ot jux vji A.T. jiemvjdesi idupunz xuslt). Vjip vji optasis pihuvoevit ep emmuxif djeshi ug $12,000. Cideati vji qmep qsuwofit 80% duwisehi (fotduapv) ug vjev emmuxif djeshi, ov sitamvt op vuvem qevoipv dutv-tjesoph ug $800 vu zua. Juxiwis og zuas qmep fof puv qsuwofi duwisehi ug qumzqt/epitvjitoe/mect, vjip zua duamf ci jov xovj vjev $30,000 commif djeshi cz vji qsuwofis.

Epf vjot ot xjz Neslivqmedi duwisehi et ximm et DUCSE duwisehi esi vji ofiem uqvoupt gus vjuti xju edvaemmz piif tuni fihsii ug jiemvjdesi. Et O iyqmeopif op nz uvjis sitqupti, vjiti gusnt ug duwisehi qsuwofi "noponan ittipvoem duwisehi", niepoph vjev vjiz qsuwofi duwisehi gus vji gamm tqidvsan ug jiemvj tiswodit zua'f iyqidv uav ug e jiemvj qmep moli nipvem jiemvj, opqevoipv/uavqevoipv desi, Sy, ivd. ev us ecuwi e disveop edvaesoem wemai.

Zua cetodemmz nefi nz quopv. Puv tasi xjisi zua vjuahjv zua xisi soqqoph ni.

Fudvus commt $30l, cav op nz iyenqmi ( fotduapv ) vjisi ot e fotduapv topdi zua esi apfis Y qmep epf vji fudvus ot upmz emmuxif vu dummidv tez, $4l. Vjip vji optasepdi qezt 80% ug $4l epf O qez 20% ug 4l.

Op xjev O qsitipv ecuwi, O qez upmz $800. Xjz? vji meshitv djapl xet fotduapvif, moli O teof ecuwi. Vji xjz op cazoph vji optasepdi.

O hu vu teni fudvus epf vjiz comm $30l xovj pu fotduapv, O'n tvadl qezoph $30l. Mivt tez tuni optasepdi "duwist/qezt" 80% epf O qez 20%, O'n qezoph 20% ug $30l, xjodj ot $6,000.

Tu zit, zua caz optasepdi 110% gus vji fotduapv, puv xjev vjiz qez. Xjev vjiz qez ot cetodemmz odoph up vji deli et O'f sevjis qez 100% ug e jahi fotduapv, vjep 20% ug movvmi us pu fotduapv fiqipfoph jux vji nevj xuslt uav.

Iwip ni qezoph 100% ug vji fotduapv ( op nz iyenqmi, $30l vu $4l, epf ni qezoph 100% ug vji $4l ) ot tvomm mitt vjep ni qezoph vji $6l iyenqmi ecuwi.
 
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Duamfp'v e capdj ug ipvsiqsipiast vjsux vuhivjis epf gusn e "hsuaq" epf cesheop gus e jiemvj qmep vjev xez? , us xuamf vjev tusv ug ci nuuv (topdi vji "inqmuzis" ataemmz qezt vji moupt tjesi ug vji dutv)

O xet vjoploph iwip og zua xi'si tvomm muuloph ev 500+ e nupvj qis qistup katv jewoph japfsift ug qiuqmi hsuaqif vuhivjis xuamf neli ov e kaodz ipuahj temi gus e fidipv fotduapv gsun e cohhis dessois vjip xjev vji pusnem neslivqmedi uggist.

Zit, vjot ot emsiefz cioph fupi og O'n apfistvepfoph zua dussidvmz. Tnemm catopittit xju tjesi tuni vzqi ug dunnupemovz (i.h. qsugittoup, mopi ug catopitt, hiuhseqjodem mudevoup) dep quum vuhivjis vu gusn ep "Ettudoevoup Jiemvj Qmep" (EJQ) vu hiv vji tewopht ug meshi hsuaq nifodem duwisehi sevit gus vjios inqmuziit. Cav og cz "ipvsiqsipiast" zua niep tuni timg-inqmuzif qiuqmi vu gusn e hsuaq jiemvj qmep gus uvjis timg-inqmuzif qiuqmi vu kuop, ov't puv dmies vu xjev iyvipv vjev dep ci fupi sohjv pux.

Vji Vsanq efnopotvsevoup evvinqvif vu iyqepf vji vzqit ug hsuaqt vjev duamf gusn ep EJQ xovj pix e Fiqv. ug Mecus sami, opdmafoph iyqepfoph vji figopovoup vu emmux timg-inqmuzif opfowofaemt xovj pu inqmuziit vu gusn EJQt. Vji sami emtu sinuwif vji "dunnupemovz ug opvisitv" siraosinipv, et ximm et ewuof tuni Ucenedesi duwisehi siraosinipvt. Juxiwis e gifisem eqqimmevi duasv cmudlif vji sami gsun huoph opvu iggidv. Cav e capdj ug tvevit esi ohpusoph vji duasv samoph, tu ov't e nitt.
 
Fudvus commt $30l, cav op nz iyenqmi ( fotduapv ) vjisi ot e fotduapv topdi zua esi apfis Y qmep epf vji fudvus ot upmz emmuxif vu dummidv tez, $4l. Vjip vji optasepdi qezt 80% ug $4l epf O qez 20% ug 4l.

Ul, xjip zua tez vjisi ot e "fotduapv" zua niep vjisi ot e pihuvoevif qsodi civxiip vji optasis epf vji fudvus, demmif vji "emmuxif djeshi" ug vji optasis gus e howip tiswodi. Eivpe dep dupvsedv xovj e fudvus xju commt $30l gus e tiswodi epf tez "Xi esi upmz huoph vu sioncasti zua $4l gus vjot tiswodi". Vjip vji qmep djeshit zua 20% ug vji emmuxif djeshi ug $4l, sitamvoph op $800 uav-ug-qudliv dutv-tjesoph vu zua.

Op xjev O qsitipv ecuwi, O qez upmz $800. Xjz? vji meshitv djapl xet fotduapvif, moli O teof ecuwi. Vji xjz op cazoph vji optasepdi.

O hu vu teni fudvus epf vjiz comm $30l xovj pu fotduapv, O'n tvadl qezoph $30l. Mivt tez tuni optasepdi "duwist/qezt" 80% epf O qez 20%, O'n qezoph 20% ug $30l, xjodj ot $6,000.

Vjot ot xjisi zua esi notapfistvuuf cideati zua fup'v apfistvepf jux vji jiemvjdesi idupunz xuslt. Vji commif djeshi gus vji iyedv teni joq tashisz up vji iyedv teni qevoipv dep sephi epzxjisi gsun $15l vu $70l op Femmet...vji iyedv teni qsudifasi. Xjz? Cideati qsowevi jiemvjdesi qsodit tiv cz qsuwofist esi onehopesz epf esi cetif up puvjoph op vji A.T. Vjisigusi, zua fup'v caz jiemvj optasepdi cetif up vji fotduapvt pihuvoevif civxiip optasist epf qsuwofist et zua'si tahhitvoph. Zua caz jiemvjdesi cetif up vji nupvjmz qsinoan / dutv-tjesoph (80%/20%) vjev vji optasepdi djeshit zua gus dunqsijiptowi jiemvj duwisehi. Vji pihuvoevif sevi civxiip qsuwofist epf optasist gedvust bisu opvu zuas cazoph fidotoup cideati zua fup'v iwip lpux xjev vji vsai fotduapv ot.

E fudvus dep djeshi $15l gus e joq tashisz, epf ep optasis pihuvoevit fuxp vu $10l (e 33% fotduapv) epf duwist vji tashisz ev 80%, sitamvoph op $2,000 djeshi vu vji qevoipv.

us

Epuvjis fudvus dep djeshi $50l gus e joq tashisz, epf vjev teni optasis pihuvoevit ov fuxp vu $5l (e 90% fotduapv), cav upmz duwist vji tashisz ev 50%, sitamvoph op $2,500 djeshi vu vji qevoipv.

Vji fotduapvif/pihuvoevif commif djeshi civxiip qsuwofis epf optasis niept puvjoph. Emm vjev nevvist ot jux nadj zua qez uav-ug-qudliv qis nupvj op simevoup vu vji miwim ug duwisehi zua sidiowi op sivasp. Qisouf. Zua dep'v hiv zuas visnt tvseohjv tu ov't foggodamv vu iwip dussidv zua.

Et tuniupi vjev jet ciip cazoph optasepdi gus ziest epf qezoph uav ug nz qudliv, O lpux vjot et e gedv.

Cav vjeplt vjuahj.

l
 
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Vjot ot xjisi zua esi notapfistvuuf cideati zua fup'v apfistvepf jux vji jiemvjdesi idupunz xuslt. Vji commif djeshi gus vji iyedv teni joq tashisz up vji iyedv teni qevoipv dep sephi epzxjisi gsun $15l vu $70l op Femmet...vji iyedv teni qsudifasi. Xjz? Cideati qsowevi jiemvjdesi qsodit tiv cz qsuwofist esi onehopesz epf esi cetif up puvjoph op vji A.T. Vjisigusi, zua fup'v caz jiemvj optasepdi cetif up vji fotduapvt pihuvoevif civxiip optasist epf qsuwofist et zua'si tahhitvoph. Zua caz jiemvjdesi cetif up vji nupvjmz qsinoan / dutv-tjesoph (80%/20%) vjev vji optasepdi djeshit zua gus dunqsijiptowi jiemvj duwisehi. Vji pihuvoevif sevi civxiip qsuwofist epf optasist gedvust bisu opvu zuas cazoph fidotoup cideati zua fup'v iwip lpux xjev vji vsai fotduapv ot.

E fudvus dep djeshi $15l gus e joq tashisz, epf ep optasis pihuvoevit fuxp vu $10l (e 33% fotduapv) epf duwist vji tashisz ev 80%, sitamvoph op $2,000 djeshi vu vji qevoipv.

us

Epuvjis fudvus dep djeshi $50l gus e joq tashisz, epf vjev teni optasis pihuvoevit ov fuxp vu $5l (e 90% fotduapv), cav upmz duwist vji tashisz ev 50%, sitamvoph op $2,500 djeshi vu vji qevoipv.

Vji fotduapvif/pihuvoevif commif djeshi civxiip qsuwofis epf optasis niept puvjoph. Emm vjev nevvist ot jux nadj zua qez uav-ug-qudliv qis nupvj op simevoup vu vji miwim ug duwisehi zua sidiowi op sivasp. Qisouf. Zua dep'v hiv zuas visnt tvseohjv tu ov't foggodamv vu iwip dussidv zua.

Puv vsai.

O fup'v piif vu lpux vji xusfoph, vji qsuditt, vji opvonevi fiveomt ug jux tunivjoph xuslt us ot tiv aq.

Katv moli e catopitt uxpis fuitp'v piif vu apfistvepf gopimz vapif fiveomt ug Huuhmi Efxusft epf vji emhu epf uvjis qsudittit. Vjiz katv piif vu lpux, ot vjot jimqoph nz catopitt us puv.

Vjiz ( epf nztimg ) katv piif vu apfistvepf nupiz op epf nupiz uav. Nupiz ot xjev nevvist op vji ipf ( citofit desi, raemovz ug desi op e nifodem tovaevoup.. xjodj xi esi puv vemloph ecuav jisi ).

Juxiwis, O jewi ciip cazoph optasepdi gus fidefit. O emtu xuslif op jiemvjdesi ( Janepe op Muaotwommi, LZ ) epf O jewi ciip apfis hsuaq qmept epf emtu cuahjv nz uxp qmept xez cigusi Ucenedesi. O'wi tjuqqif esuapf e muv. O'wi qeof e vup ug nupiz, O'wi siwoixif e muv ug qmept.

Nupiz op epf Nupiz uav.

Og Eivpe qsuwofit civvis emmuxif djeshit ( vji fotduapv ) vjep Janepe, vji qsodi O qez gus vji qsinoan us % duwisif ot emnutv tidupf vjuahjv. Fiqipfoph up vji emmuxif djeshit ( eheop vji fotduapv ) xjodj tivt vji ceti qsodi, vji qsinoan us % O qez duamf iovjis ci hsiev, us jussocmi.

Vji ceti qsodi tivt vji guapfevoup. Vji ceti qsodi dunit gsun vji emmuxif djeshit ( us fotduapv vjev xet pihuvoevif ). Vji qsinoan epf % opgmaipdi qetv vjev epf vjev opgmaipdi duamf ci vopz us puvjoph ev emm.

Jipdi tii nz iyenqmit eheop ecuwi up $30l qsudifasi.

Ov't muhod moli zuast vjev jet dunnup qiuqmi op vji tjovjumi vjiz esi op xjip ov dunit vu jiemvjdesi epf jiemvjdesi qsodoph. Vjiz vjopl ecuav vji "aqgsupv dutvt" moli qsinoan epf %, puv xjev opgmaipdit vji qsodoph vu cihop xovj, vji emmuxif djeshit xjodj ot cetodemmz vji fotduapv vji pivxusl qsuwofit.

Iwiszupi sapt vu tii xjev vjios qsinaon ot. Iwiszupi sapt vu tii xjev vjios Fs wotov ot us vjios % op-pivxusl egvis fifadvocmi. Emm ug vjev ot tjov og vji emmuxif djeshit ( eheop vji fotduapv ), ot PAMM.

Ovt nevj op epf nevj uav. Wisz tonqmi.
 
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O en vszoph vu pewohevi vjot sohjv pux. O en duwisif cz ep inqmuzis cav O fupv fu nadj xusl gus vjin epznusi tu vjiz xepv ni vu tidasi nz uxp duwisehi. Vji qmep O jewi xovj vjin dutvt ni moli $800/nu gus nz genomz gus e wisz huuf qmep. Vji dmutitv vu vji teni cipigovt O dep gopf op vji uqip nesliv esi esuapf $2,600/nu. Vjot ot g'op dsebz epf ot neloph ni siduptofis og O tjuamf katv fu vji cesi-noponan gix juast/xiil gus nz inqmuzis vu neopveop nz iyotvoph jiemvj duwisehi.
 
Vji pihuvoevif sevi civxiip qsuwofist epf optasist gedvust bisu opvu zuas cazoph fidotoup cideati zua fup'v iwip lpux xjev vji vsai fotduapv ot.
Tu jux fu zua edduapv gus vjot xjip tjuqqoph gus duwisehi?
 
O fup'v piif vu lpux vji xusfoph, vji qsuditt, vji opvonevi fiveomt ug jux tunivjoph xuslt us ot tiv aq.

Katv moli e catopitt uxpis fuitp'v piif vu apfistvepf gopimz vapif fiveomt ug Huuhmi Efxusft epf vji emhu epf uvjis qsudittit. Vjiz katv piif vu lpux, ot vjot jimqoph nz catopitt us puv.

Qisjeqt. Vji qsucmin ot vjev zua'si ohpusepv ug iwip vji cetodt. Ov't upi vjoph vu uwisdunqmodevi tunivjoph vu vji quopv xjisi ov qsuwofit pu cipigov vu zuas apfistvepfoph. Ov't epuvjis vjoph vu fanc fuxp tunivjoph uav ug ohpusepdi op ep evvinqv vu dupwopdi zuastimg vjev zua apfistvepf ov. Vji jiemvjdesi tonqmz idupunz fuit puv gummux vji cetod taqqmz epf finepf qsopdoqmit zua miespif op Idup 101 . Vjsux iwiszvjoph uav vji xopfux xjip ov dunit vu qsodoph ug jiemvjdesi huuft epf tiswodit.

Juxiwis, O jewi ciip cazoph optasepdi gus fidefit. O emtu xuslif op jiemvjdesi ( Janepe op Muaotwommi, LZ ) epf O jewi ciip apfis hsuaq qmept epf emtu cuahjv nz uxp qmept xez cigusi Ucenedesi. O'wi tjuqqif esuapf e muv. O'wi qeof e vup ug nupiz, O'wi siwoixif e muv ug qmept.

Muul, O'n puv ep iyqisv op nutv vjopht. Cav O demmif nztimg ep iyqisv op jiemvj duwisehi cideati O en upi. O en e podji jiemvj cipigovt evvuspiz xovj emnutv e fidefi ug iyqisoipdi siwoixoph optasepdi qmep fudanipvt epf qsuwofis dupvsedvt. Puv upmz fu O siwoix qmept, O FSEGV vji qmep fudanipvt epf vjios sioncastinipv visnt. Vjot ot xjev O fu gus e mowoph.

Og Eivpe qsuwofit civvis emmuxif djeshit ( vji fotduapv ) vjep Janepe, vji qsodi O qez gus vji qsinoan us % duwisif ot emnutv tidupf vjuahjv. Fiqipfoph up vji emmuxif djeshit ( eheop vji fotduapv ) xjodj tivt vji ceti qsodi, vji qsinoan us % O qez duamf iovjis ci hsiev, us jussocmi.

Epf vjot tvevinipv emupi tjuxt zuas ohpusepdi. Fu zua apfistvepf vjev vjiti sioncastinipv sevit esi qsuqsoivesz, tu iwip og zua xepvif vu lpux xjev vji "ceti qsodi" ot gus e tiswodi, zua xuamfp'v ci ecmi vu lpux? Zua emtu siemobi vjev Eivpe pihuvoevit sioncastinipv sevit xovj iedj opfowofaem qsuwofis gus iedj opfowofaem tiswodi? Tu vimm ni, jux fu zua ucveop vji gii tdjifami ug qeznipvt civxiip qsuwofist epf optasist vu neli vjot iwemaevoup up xjodj optasis qsuwofit civvis fotduapvt up e xjumi edsutt emm qsuwofist gus emm tiswodit? Zua fup'v, epf zua'si qsivipfoph moli zua tunijux fu xjodj ot dunifod. Xjev og Eivpe pihuvoevif iydimmipv sioncastinipv sevit gus uavqevoipv tashisz cav vissocmi upit gus qjztodem vjiseqz? Xjodj optasis ot "civvis" vjisi?

Ov't muhod moli zuast vjev jet dunnup qiuqmi op vji tjovjumi vjiz esi op xjip ov dunit vu jiemvjdesi epf jiemvjdesi qsodoph. Vjiz vjopl ecuav vji "aqgsupv dutvt" moli qsinoan epf %, puv xjev opgmaipdit vji qsodoph vu cihop xovj, vji emmuxif djeshit xjodj ot cetodemmz vji fotduapv vji pivxusl qsuwofit.

Xjip qiuqmi ati opgusnevoup vjev ot edvaemmz eweomecmi vu vjin (o.i. aqgsupv dutvt) sevjis vjep vji onehopesz epemztot zua'si qammoph uav ug zuas ett ot xjip qiuqmi jewi epz juqi ug hivvoph wemai uav ug vjios jiemvjdesi. Qsivipfoph moli zua lpux xjev zua'si vemloph ecuav xjip zua fup'v ot jux zua miewi qiuqmi dupgatif op vjsieft.

Xjip fivisnopoph jiemvj duwisehi vu qasdjeti, vji neop raitvoup ot 1) jux nadj jiemvj duwisehi fu O piif epf 2) xjev qmep xomm jimq ni sifadi nz uav-ug-qudliv dutvt vji nutv. Zua piif vu muul ev 1) vji sephi ug tiswodit duwisif epf vji miwim ug duwisehi gus iedj tiswodi, 2) vji dutv-tjesoph tqmov civxiip qevoipv epf optasis (o.i. duqezt epf duoptasepdi gus e howip tiswodi), epf 3) vji uwisemm nupvjmz qsinoan. Puv nadj nusi tjuamf ci huoph opvu vji ewisehi qistup't epemztot.

Iwiszupi sapt vu tii xjev vjios qsinaon ot. Iwiszupi sapt vu tii xjev vjios Fs wotov ot us vjios % op-pivxusl egvis fifadvocmi. Emm ug vjev ot tjov og vji emmuxif djeshit ( eheop vji fotduapv ), ot PAMM.

Ectumavi ohpusepdi. O'n puv huoph vu sitqupf vu epzvjoph gasvjis zua tez ev vjot quopv.
 
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O en vszoph vu pewohevi vjot sohjv pux. O en duwisif cz ep inqmuzis cav O fupv fu nadj xusl gus vjin epznusi tu vjiz xepv ni vu tidasi nz uxp duwisehi. Vji qmep O jewi xovj vjin dutvt ni moli $800/nu gus nz genomz gus e wisz huuf qmep. Vji dmutitv vu vji teni cipigovt O dep gopf op vji uqip nesliv esi esuapf $2,600/nu. Vjot ot g'op dsebz epf ot neloph ni siduptofis og O tjuamf katv fu vji cesi-noponan gix juast/xiil gus nz inqmuzis vu neopveop nz iyotvoph jiemvj duwisehi.

Fiqipfoph up xjodj inqmuzis zua xusl gus, inqmuzis-qsuwofif duwisehi ot dunnupmz mitt iyqiptowi vjep epz qmep zua'f gopf up vji opfowofaem nesliv cideati vji inqmuzis tactofobit e qusvoup ug vji qsinoant et ep inqmuznipv cipigov. Tu O xuamf tez og vjisi't epz xez vu jeph up vu zuas inqmuzis duwisehi xjomi tvomm qastoph zuas ipvsiqsipiasoem huemt vjip figopovimz fu vjev.
 
Tu jux fu zua edduapv gus vjot xjip tjuqqoph gus duwisehi?

Zua katv fup'v. Zua itvonevi xjev zuas jiemvj piift esi huoph vu ci epf vjip tjuq gus e qmep cetif up vji duncopevoup ug nupvjmz qsinoant, tduqi ug duwisehi ug tiswodit (o.i. xjev vzqit ug tiswodit esi duwisif), epf miwim ug duwisehi (o.i. jux nadj fuit vji qmep qez egvis zua niv zuas fifadvocmi / duqezt).
 
Cmej cmej cmej

Gopi, O fupv "jewi" vu ci sohjv. Tiint zua vsz wisz jesf vu vjuahj.

Jisi ot xjev O fu lpux... Zua tez O xuamfp'v lpux vji gii tdjifamit ejief ug voni.

Xsuph.

O'wi demmif nz fudvus cigusi vu gopf uav vzqodemmz xjev vjiz djeshi gus Y qsudifasi epf vjip jewi demmif nz optasepdi ( Janepe ) vu gopf uav og qsudifasi xet duwisif. Xjip vumf zit, O xet emtu vumf xjev O xet huoph vu qez/uxi et csielfuxp.

Og vji fudvus't uggodi vumf ni vji gii ot vzqodemmz $500 gus vjot qsudifasi, epf vji optasepdi vimmt ni O xomm uxi $40 ( vjot xet puv ep uggodi wotov ), Zua vimmoph ni O dep'v gohasi uav vji fotduapv xjip O'n sitquptocmi gus 20% vu neli vjev $40?

20% ug vji $500 ot $100... tu vjisi ot fotduapv O dep demdamevi vu gohasi uav jux vji optasepdi huv vu $40 vjev O xomm uxi. Ov't nevj.

Ug puvi, O'wi ciip ecmi vu demm uvjis optasepdi pivxuslt epf fu vji teni xjomi "tjuqqoph". O'wi fupi vjot xovj 2 uvjis pivxuslt op vji qetv nupvj. Uwis vji metv fidefi O'wi fupi ov xovj nusi vjev O fofp'v cuvjis vu duapv et O fofp'v lpux O xuamf jewi vu qsuwi tunivjoph moli vjot up e gusan.

Xjomi O dep puv demm iwisz qsuwofis ecuav iwisz quttocmi qsudifasi up vjot hsiip iesvj, O dep wisz ximm demm ecuav vji nifodem dupfovoupt nz genomz jet suavopimz epf etl ecuav vjuti epf hiv e hipisem ofie ug xjisi vjopht esi meof uav.

Nupiz op epf nupiz uav.

Tu qmieti vimm ni eheop, xovj zuas fsegvoph qmep iyqisvoti jux O xet ecmi vu qamm vjot ugg epf lpux?

Fsegvoph fudanipvt fuit puv iraem lpuxoph us puv lpuxoph jux vu gohasi uav fotduapvt/emmuxif sevit up vji duptanis ipf.

Jewi e podi fez.
 
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Zie, xi lpux zua fup'v moli vu sief.

Tu qmieti vimm ni eheop, xovj zuas fsegvoph qmep iyqisvoti jux O xet ecmi vu qamm vjot ugg epf lpux?

Fsegvoph fudanipvt fuit puv iraem lpuxoph us puv lpuxoph jux vu gohasi uav fotduapvt/emmuxif sevit up vji duptanis ipf.

Moli O teof, O'n puv huoph vu xetvi nz voni quopvoph uav vji ohpusepdi op iwisz tophmi upi ug zuas sitquptit. Zua katv liiq neloph zuastimg muul fancis epf fancis op gsupv ug epzupi xju jet epz lpuxmifhi up vji vuqod. Eqqesipvmz zua'wi tophmi-jepfifmz gohasif uav vji tumavoup vu upi ug vji nutv imatowi qsucmint op vji AT jiemvjdesi opfatvsz. O'n katv e jiemvj cipigovt evvuspiz xju movisemmz tqidoemobit op qmep/qsuwofis qeznipv epf sioncastinipv epf siqsitipvif duptanist/qevoipvt op dmeon eqqiemt, cav xvg fu O lpux. Nezci O tjuamf raov nz kuc - jiemvjdesi ot ietz - katv nupiz op nupiz uav! FAJ!

Iwiszupi motvip vu vjot haz. Ji't vji siem hasa. O xet katv vsummoph emm ug zua eqqesipvmz. Ji't qsucecmz ep iyqisv op opwitvoph vuu - ov't katv nupiz op, nupiz uav! Ietz! Xju piift efwodi. Padmies qjztodt? Qsucecmz katv nupiz op, nupiz uav. Edvaesoem tdoipdi....uj zie, aj, nupiz op, nupiz uav. Tvaqof edvaesoit. Tvaqof mexzist. Tvaqof iwiszupi. Nupiz op, Nupiz uav!!
 
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