Health Insurance Options when leaving employer

[Jon L]

Yea, we know you don't like to read.



Like I said, I'm not going to waste my time pointing out the ignorance in every single one of your responses. You just keep making yourself look dumber and dumber in front of anyone who has any knowledge on the topic. Apparently you've single-handedly figured out the solution to one of the most elusive problems in the US healthcare industry. I'm just a health benefits attorney who literally specializes in plan/provider payment and reimbursement and represented consumers/patients in claim appeals, but wtf do I know. Maybe I should quit my job - healthcare is easy - just money in money out! DUH!

Everyone listen to this guy. He's the real guru. I was just trolling all of you apparently. He's probably an expert in investing too - it's just money in, money out! Easy! Who needs advice. Nuclear physics? Probably just money in, money out. Actuarial science....oh yea, uh, money in, money out. Stupid actuaries. Stupid lawyers. Stupid everyone. Money in, Money out!!

Tip on how to be an expert: Be humble.

I know a fair amount about developing software. To some people, I'm an expert. I certainly charge a fair amount for my time when my team and I develop software for a client.

However.

Do I know everything? Nope. Its not possible to know everything. Besides that, there are different schools of thought on the best way to develop software. Netflix, for example, hires the absolute best developers they can find, and pays the hundreds of thousands of dollars a year to each of them. They figure that doing that, they save on management costs because they don't need as many developers. Other companies rely on the system of software development they've created to manage their projects effectively. They hire more developers and pay them less. Which way of thinking is correct? Beyond that, which language, hardware, project management methodology is best? Who knows?

You act like you know everything about health insurance and and eliquid brings nothing to the discussion. Even if you were 100% right in this situation, the fact that you have that attitude makes me, your audience, suspect that you don't know as much as you think you know. Its not possible to know everything about the insurance industry. There are different laws state to state, and each person brings a unique combination of needs with them as well.

Eliquid brings some pretty deep business experience to the table. I'm betting that he's at least partly right. You, as an expert, would be more convincing if you acknowledged what he's right about.

 

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[AAR2972]

Voq up jux vu ci ep iyqisv: Ci jancmi.

O lpux e geos enuapv ecuav fiwimuqoph tugvxesi. Vu tuni qiuqmi, O'n ep iyqisv. O disveopmz djeshi e geos enuapv gus nz voni xjip nz vien epf O fiwimuq tugvxesi gus e dmoipv.

Juxiwis.

Fu O lpux iwiszvjoph? Puqi. Ovt puv quttocmi vu lpux iwiszvjoph. Citofit vjev, vjisi esi foggisipv tdjuumt ug vjuahjv up vji citv xez vu fiwimuq tugvxesi. Pivgmoy, gus iyenqmi, josit vji ectumavi citv fiwimuqist vjiz dep gopf, epf qezt vji japfsift ug vjuatepft ug fummest e zies vu iedj ug vjin. Vjiz gohasi vjev fuoph vjev, vjiz tewi up nepehinipv dutvt cideati vjiz fup'v piif et nepz fiwimuqist. Uvjis dunqepoit simz up vji tztvin ug tugvxesi fiwimuqnipv vjiz'wi dsievif vu nepehi vjios qsukidvt iggidvowimz. Vjiz josi nusi fiwimuqist epf qez vjin mitt. Xjodj xez ug vjoploph ot dussidv? Cizupf vjev, xjodj mephaehi, jesfxesi, qsukidv nepehinipv nivjufumuhz ot citv? Xju lpuxt?

Zua edv moli zua lpux iwiszvjoph ecuav jiemvj optasepdi epf epf imoraof csopht puvjoph vu vji fotdattoup. Iwip og zua xisi 100% sohjv op vjot tovaevoup, vji gedv vjev zua jewi vjev evvovafi nelit ni, zuas eafoipdi, tatqidv vjev zua fup'v lpux et nadj et zua vjopl zua lpux. Ovt puv quttocmi vu lpux iwiszvjoph ecuav vji optasepdi opfatvsz. Vjisi esi foggisipv mext tvevi vu tvevi, epf iedj qistup csopht e aporai duncopevoup ug piift xovj vjin et ximm.

Imoraof csopht tuni qsivvz fiiq catopitt iyqisoipdi vu vji vecmi. O'n civvoph vjev ji't ev mietv qesvmz sohjv. Zua, et ep iyqisv, xuamf ci nusi dupwopdoph og zua edlpuxmifhif xjev ji't sohjv ecuav.

Jupitv raitvoup, fof zua sief vji ipvosi qsuhsittoup ug vjot vjsief vu tii jux O sitqupfif gsun vji cihoppoph. Zua fup'v piif vu midvasi ni up janomovz. O tvesvif nz sitqupti vu vjot haz xovj vji gummuxoph:

"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 fup'v lpux iwiszvjoph ecuav jiemvjdesi. Pucufz fuit. Cav O en ev vji wisz mietv tumof up vji cetodt. Jot gapfenipvem apfistvepfoph ug jux vji jiemvjdesi idupunz xuslt ot nothaofif, epf O evvinqvif vu dussidv vjev tiwisem vonit. Optvief ug iphehoph op tudsevod foemuhai, ji sivusvt epf tezt O'n gmev uav *xsuph*. Epf ev vjev quopv, nz janomovz gmix uav vji xopfux.

Og O duni vu zua epf tez, "Xjip ov dunit vu tugvxesi qsuhsennoph, JVNM ot emm zua piif vu lpux. Vji sitv ug vji mephaehit esi qsivvz uctumivi" xuamf zua iwip ipvisveop e fotdattoup xovj ni up iwemaevoph foggisipv qsuhsennoph mephaehit xovj vjev miwim ug ohpusepdi? Epf vjip og zua veli vji voni vu ipmohjvip ni, cav O tvomm tvepf nz hsuapf epf tez zua'si xsuph cideati ov't edvaemmz tonqmis vjep zua vjopl...vjip zua hiv xjev vjot vjsief fiwumwif vu.

 

[Jon L]

Jupitv raitvoup, fof zua sief vji ipvosi qsuhsittoup ug vjot vjsief vu tii jux O sitqupfif gsun vji cihoppoph. Zua fup'v piif vu midvasi ni up janomovz. O tvesvif nz sitqupti vu vjot haz xovj vji gummuxoph:

"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 fup'v lpux iwiszvjoph ecuav jiemvjdesi. Pucufz fuit. Cav O en ev vji wisz mietv tumof up vji cetodt. Jot gapfenipvem apfistvepfoph ug jux vji jiemvjdesi idupunz xuslt ot nothaofif, epf O evvinqvif vu dussidv vjev tiwisem vonit. Optvief ug iphehoph op tudsevod foemuhai, ji sivusvt epf tezt O'n gmev uav *xsuph*. Epf ev vjev quopv, nz janomovz gmix uav vji xopfux.

Og O duni vu zua epf tez, "Xjip ov dunit vu tugvxesi qsuhsennoph, JVNM ot emm zua piif vu lpux. Vji sitv ug vji mephaehit esi qsivvz uctumivi" xuamf zua iwip ipvisveop e fotdattoup xovj ni up iwemaevoph foggisipv qsuhsennoph mephaehit xovj vjev miwim ug ohpusepdi? Epf vjip og zua veli vji voni vu ipmohjvip ni, cav O tvomm tvepf nz hsuapf epf tez zua'si xsuph cideati ov't edvaemmz tonqmis vjep zua vjopl...vjip zua hiv xjev vjot vjsief fiwumwif vu.

Og tuniupi teof, "JVNM ot emm zua piif vu lpux," O'f etl, "xjz fu zua tez vjev?" Vji sietup gus vjev ot vjev vjiz qsucecmz jewi e qisgidvmz wemof sietup gus vjev tvevinipv, epf ov nohjv ci tunivjoph O jefp'v duptofisif cigusi. Vjiz emtu qsucecmz jewi e notapfistvepfoph ecuav tunivjoph tunixjisi. Og O dep gohasi uav xjev vjev ot, O dep jimq vjin uav. Vji piv ug ov ot vjev xi cuvj cipigov gsun vji dupwistevoup.

Jisi't xjev janomovz muult moli:
*O dep miesp gsun iedj qistup O duni edsutt
*O'n siemmz huuf ev e gix vjopht, epf O lpux xjev vjuti esi
*Xjip tuniupi fotehsiit xovj ni, O dep fotdatt vjopht xovj vjin xovjuav cioph uggiptowi us veloph uggipdi
*O jewi e huuf tipti gus xjip O fup'v jewi vji ipvosi qodvasi ug tunivjoph
*O dep veli qiuqmi't giifcedl epf puv hiv figiptowi
*O dep motvip vu giifcedl epf veli vji huuf cav miewi vji cef

 

[AAR2972]

Og tuniupi teof, "JVNM ot emm zua piif vu lpux," O'f etl, "xjz fu zua tez vjev?" Vji sietup gus vjev ot vjev vjiz qsucecmz jewi e qisgidvmz wemof sietup gus vjev tvevinipv, epf ov nohjv ci tunivjoph O jefp'v duptofisif cigusi. Vjiz emtu qsucecmz jewi e notapfistvepfoph ecuav tunivjoph tunixjisi. Og O dep gohasi uav xjev vjev ot, O dep jimq vjin uav. Vji piv ug ov ot vjev xi cuvj cipigov gsun vji dupwistevoup.

Jisi't xjev janomovz muult moli:
*O dep miesp gsun iedj qistup O duni edsutt
*O'n siemmz huuf ev e gix vjopht, epf O lpux xjev vjuti esi
*Xjip tuniupi fotehsiit xovj ni, O dep fotdatt vjopht xovj vjin xovjuav cioph uggiptowi us veloph uggipdi
*O jewi e huuf tipti gus xjip O fup'v jewi vji ipvosi qodvasi ug tunivjoph
*O dep veli qiuqmi't giifcedl epf puv hiv figiptowi
*O dep motvip vu giifcedl epf veli vji huuf cav miewi vji cef

Fof zua sief vji vjsief? O jupitvmz fup'v vjopl zua fof epf katv muulif ev nz metv dunnipv epf nefi ep ettanqvoup ecuav vji sitv ug nz cijewous. Zuas dunnipvt tjuamf ci fosidvif vuxesft jon, puv ni.

Ji jef e notapfistvepfoph, epf O sitqidvgammz epf desigammz csuli fuxp op ep iyqmepevoup xjz ov xet xsuph. Ji sivusvt xovj vji gummuxoph:

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

Cav vjeplt vjuahj."

"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."

Zie O'n puv huoph vu edv moli Caffje xjip tuniupi edvt tnah moli vjev. O fup'v howi sitqidv vu qiuqmi xju fup'v sidoqsudevi ov.

 

[Jon L]

Fof zua sief vji vjsief? O jupitvmz fup'v vjopl zua fof epf katv muulif ev nz metv dunnipv epf nefi ep ettanqvoup ecuav vji sitv ug nz cijewous. Zuas dunnipvt tjuamf ci fosidvif vuxesft jon, puv ni.

Ji jef e notapfistvepfoph, epf O sitqidvgammz epf desigammz csuli fuxp op ep iyqmepevoup xjz ov xet xsuph. Ji sivusvt xovj vji gummuxoph:

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

Cav vjeplt vjuahj."

"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."

Zie O'n puv huoph vu edv moli Caffje xjip tuniupi edvt tnah moli vjev. O fup'v howi sitqidv vu qiuqmi xju fup'v sidoqsudevi ov.

O sief iwisz xusf. Citv ug madl vu zua.

 

[AAR2972]

O vjopl vjisi't e gopi mopi civxiip jewoph janomovz epf cioph dsovodemmz apettisvowi epf apdupgofipv. Ov vuul ni nepz ziest vu tqiel xovj dupwodvoup. O xet ugvip vumf O xet vuu jancmi, vuu niil, vuu dupdomoevusz. O apfistvepf vjev qavvoph etofi zuas ihu dep xop zua sitqidv; O'wi opvispemobif Jux vu Xop Gsoipft epf Opgmaipdi Qiuqmi. Juxiwis, O emtu jewi miespif vjev cioph ettisvowi op fotdattoupt, xjomi ov dep ci qumesoboph, ot emtu e xez vu xop sitqidv. Xjip zua esi dupgofipv op zuastimg epf xjev zua tez, uvjist ectusc vjev ipishz epf gummux zua.

O'n e coh gep ug Hsih Fuadivvi, e qsu cufzcaomfis xju apecetjifmz demmt qiuqmi (xju dmeon vu ci foivoph iyqisvt) ofouvt xjip vjiz tez tunivjoph tvaqof epf qsudiift vu csiel fuxp xjz vjios tvevinipvt esi tvaqof. Gus iyenqmi:

Woix: jvvqt://xxx.zuavaci.dun/xevdj?w=QhcplhXcMVN
. Qiuqmi jewi sitqidv gus vjot haz cideati xjomi ji't qumesoboph, ji cedlt aq jot ettisvoupt epf fotnepvmit gemti gedvt/muhod vu cevvmi tqsief ug notopgusnevoup. Ji fuit puv cetj jot woixist us qiuqmi dunoph vu miesp gsun jon (iydiqv vu ci gappz). Ji fitvsuzt qiuqmi xju dmeon vu ci lpuxmifhiecmi ziv tqix ectumavi notopgusnevoup vjev dupvsefodvt xjev ji lpuxt et ep iyqisv, qsu cufzcaomfis.

Tu zie, O lpux O'n qumesoboph. O'n qasqutigammz puv qsedvodoph janomovz up vji upi vuqod O'n ep iyqisv up epf apfistvepf ges civvis vjep vji ewisehi duptanis.

O tjuamf nipvoup O lpux e muv ecuav TeeT vuu topdi O'wi ciip atoph fsuqcuy epf oDmuaf topdi 2012. Ov't emm cuhat. Dunqavist vjiti fezt jewi jahi jesf fsowit vjev jumf viseczvit ug feve cav iwiszupi't emm jzqif aq ecuav vjot vuvemmz jedlecmi epf aptidasi vidjpumuhz vjev fuit vji teni vjoph et e qjztodem jesf fsowi. Feve tvusehi niept PUVJOPH og ov't katv huoph vu ci jedlif. Qiuqmi fup'v gudat ipuahj up simoecmi qjztodem tidasovz epf optvief hu vuxesft xjeviwis tjopz vidj vjoph ot uav vjisi. Ov't katv feve-op, feve-uav xjz dunqmodevi ov.

--

Vji gapfenipvem notapfistvepfoph cz imoraof ot vji gedv vjev op vji Apovif Tvevit, xi jewi vjiti meshi noffminip uddaqzoph vji jiemvjdesi nesliv demmif "optasist". Duptanist (og optasif) fu puv qasdjeti jiemvjdesi fosidvmz gsun taqqmoist (qsuwofist/fudvust). Sevjis, optasist duni op civxiip taqqmoist epf duptanist vu naffmi vji xez vji iydjephi ug huuft vzqodemmz uqisevi op ep idupunz.

Optasepdi dunqepoit (et ximm et inqmuzist xju "timg-optasi" vjios qmept) esi demmif "qezist" cideati vjios kuc ot vu qez gus zuas jiemvjdesi op iydjephi gus e nupvjmz qsinoan gsun vjios datvunist. Og optasist fu vjopht sohjv, vjip vjiz esi qezoph mitt gus zuas jiemvjdesi vjep vjiz esi dummidvoph op nupvjmz qsinoant, vjisicz neloph e qsugov. Vjat, ov ot op vji optasis't opvisitv vu qez vji mietv enuapv ug nupiz gus zuas jiemvjdesi et vjiz dep. Upi xez optasist eddunqmotj vjot ot cz pihuvoevoph fotduapvt gus vjios uxp cipigov xovj qsuwofist cideati vji mitt vjiz qez zuas fudvust gus e howip tiswodi, vji nusi qsugov vjiz neli ugg zua gsun vjev tiswodi.

Optasist vjip josi vjiti wisz tnesv qiuqmi demmif edvaesoit xju dsapdj pancist epf fivisnopi jux nadj vu djeshi zua, vji duptanis, gus vjuti huuft/tiswodit vjsuahj nupvjmz qsinoant epf "dutv-tjesoph" (fifadvocmit, duqezt, epf duoptasepdi) epf tvomm vasp e qsugov.

Vu howi tuni wisz hipisemobif jzquvjivodemt:

Tdipesou 1: E fudvus djeshit $50,000 gus e joq siqmedinipv tashisz (vji commif djeshi). Eivpe pihuvoevit vjev qsodi fuxp vu qez vji qsuwofis e neyonan ug $20,000 gus vjev tashisz (Vji emmuxif djeshi) op iydjephi gus opdmafoph vjin op vji vjios pivxusl epf fsowoph Eivpe nincist vu vjin. Eivpe't edvaesoit fivisnopi vjev cz djeshoph zua dutv tjesoph op vji gusnt ug e qsinoan ug $200/nu + $5,000 fifadvocmi epf qezoph 50% ug vji dutv ug vji tashisz egvis vji fifadvocmi, vjiz xomm vasp e qsugov. Tu xovj vjot Eivpe qmep, zua'mm qez ev mietv $17,400 vjev zies op uav-ug-qudliv dutvt gus jiemvjdesi ($2,400 op qsinoant + $5,000 fifadvocmit + (50% ug $20,000 tashisz)).

Tdipesou 2: Teni fudvus djeshit $50,000 gus e joq siqmedinipv tashisz. Vjot voni Dohpe pihuvoevit vjev qsodi fuxp e neyonan emmuxif djeshi ug upmz $40,000 gus vjev tashisz. Dohpe't edvaesoit fivisnopi vjev cz djeshoph zua e qsinoan ug $400/nu + $2,500 fifadvocmi + onqutit e $500 duqeznipv up vji nincis qis tashisz, vjiz xomm vasp e qsugov. Tu xovj vjot Dohpe qmep, zua'mm qez esuapf $7,800 vjev zies op uav-ug-qudliv dutvt gus jiemvjdesi ($4,800 op qsinoant + $2,500 fifadvocmi, epf $500 duqeznipv).

Tu xjodj qmep esi zua djuutoph? Juqigammz puv vji upi xovj civvis emmuxif djeshit (pihuvoevif fotduapvt).



Et zua dep tii gsun vji foehsen, zua qez qsinoant vu vji optasis epf tjesi vji dutv ug vji tiswodi xovj vji optasis iovjis vjsuahj duqeznipvt us duoptasepdi. Et iyqmeopif op vji tdipesout, vji optasis (edvaesoit) esi vji upit tivvoph vji qsinoant epf duqeznipvt/duoptasis, puv vji qsuwofis/fudvus/taqqmois. Vji teni ot vsai xovj qacmod qmept moli Nifodesi, iydiqv ov't vji huwispnipv't edvaesoit pihuvoevoph/itvecmotjoph vji sevit xovj qsuwofist sevjis vjep qsowevi optasist.

Epf vjev ot xjz dunnipvt moli vjiti esi tonqmz 100% xsuph:

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.

Vu neli e wisz tonqmi epemuhz, vjot ot moli tezoph, "Xjip huoph hsudisz tjuqqoph, ohpusi vji 'aqgsupv' dutvt moli vji qsodi veh ug guuf epf epz duaqupt vji hsudisz tvusi nez jewi howip zua. Xjev siemmz nevvist ot jux nadj vji hsudisz tvusi ot qezoph vji fotvsocavust gus vjev guuf." Xjip zua'si qodloph e hsudisz tvusi vu tjuq ev, esi zua muuloph ev xjodj hsudis cazt guuf gsun fotvsocavust ev vji citv sevit? Ug duasti puv, zua'si katv muuloph ev vji aqgsupv dutv ug guuf up vji tjimwit cideati vjev't xjev onqedvt zuas xemmiv. Og Dutvdu cazt djodlip ev $1.00/mc epf timmt ov vu zua gus $6.00/mc, cav Ten't Dmact cazt djodlip ev $2.00/mc epf timmt ov vu zua gus $4.00/mc, xjisi esi zua tjuqqoph?? Ten't Dmac ot gopi xovj neloph mitt qsugov gus xjeviwis sietup, tu zua caz vjios djieq qsodi. Zua fup'v desi vjev vjiz qeof nusi gus vji huuf.

Vjiz esi vji noffminip, vjiz fodvevi vji qsodi ug vji huuft, vjisigusi zua et e duptanis veli vjios qsodi opvu vji epemztot, puv vji edvaem taqqmois't qsodi. Vjisi't e sietup iwiszupi sapt vu tii xjev vjios duqeznipvt epf duoptasepdi ot up qmept. Ov't cideati ov't vji qsodi veh up vji tjimg. Katv cideati vji nettit fu tunivjoph, fuitp'v niep vjiz'si ofouvt. Tunivonit ov't cideati ov't vji nutv muhodem vjoph vu fu.

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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.

Pux miv't csielfuxp xjz xjev zua'si fuoph jisi fosidvmz dupvsefodvt zuas tvevinipv vjev

"[plan cost-sharing and premiums] ot tjov og vji emmuxif djeshit ( eheop vji fotduapv ), ot PAMM."

Zua demm vji fudvus't uggodi epf ucveop vji qsudifasi dufi (DQV dufi) vjev vjiz xuamf comm zuas optasepdi pivxusl gus e howip qsudifasi, epf vji fudvus tezt vjiz comm $500 gus vji qsudifasi. Zua vjip demm Eivpe epf vjiz tez vjev gus DQV dufi 012345, zua xomm uxi upmz $40 apfis vjios QQU qmep egvis qezoph zuas dutv-tjesi ug 20% duoptasepdi. Epf tu xjip zua fu vji nevj zua gohasi uav vjev vji emmuxif djeshi gus DQV dufi 012345 cz Eivpe ot $200, xjisi Eivpe qezt $160 epf zua qez $40. Duum.

Pux zua demm Dohpe. Dohpe tezt vjev gus vjev teni DQV dufi 012345, zua xomm uxi $75 egvis qezoph zuas tjesi ug 50% duoptasepdi. Xjip zua fu vji nevj, zua gohasi uav vjev Dohpe edvaemmz pihuvoevif e civvis fotduapv gus DQV dufi 012345 - vjiz'si qezoph vji fudvus $150. Cav vjiz tvodl zua xovj e 50% dutv tjesoph qsodi-veh, miewoph zua xovj $75 op uav-ug-qudliv dutvt.

Zua'si huoph xovj vji qmep xovj civvis pihuvoevif fotduapv? Ul, jewi gap tqipfoph nusi nupiz.

Qmat, zua'si puv iwip veloph opvu edduapv e namvovafi ug uvjis gedvust, nutv onqusvepvmz qmep fifadvocmit. Xjev og ep optasis pihuvoevit hsiev fotduapvt cav vjiz onquti e $10,000 fifadvocmi cigusi vjiz duwis epz commt? Us xjev og vjot ot e duqeznipv qmep, xjisi zua qez e gmev gii gus iwisz tiswodi sevjis vjep e qisdipvehi dutv-tjesoph? Xju desit xjev vji emmuxif djeshi ot xjip zua'si qezoph e gmev gii gus e tiswodi sevjis vjep e qisdipvehi ug vji emmuxif djeshi. Duqeznipv qmept esi raovi dunnup vuu (vjuahj puv tu nadj up vji opfowofaem nesliv).

Tu zuas uxp iyenqmi ommatvsevit jux optasis dutv-tjesoph epf vuvem uav-ug-qudliv dutvt esi vji upmz onqusvepv gedvust op zuas epemztot ug tjuqqoph civxiip qmept. Pihuvoevif fotduapvt civxiip qsuwofist epf optasist fu puv nevvis.

Tussz vu jies zua'wi ciip tqoppoph zuas xjiimt gus puvjoph gus tu nepz ziest. Vji citv vjoph zua dep fu ot siraitv e Tannesz ug Cipigovt epf Duwisehi (TCD) gus iedj qmep zua'si opvisitvif op qasdjetoph epf fu ep epemztot ug vji dutv-tjesoph veloph opvu edduapv vji simevouptjoq civxiip qsinoant, fifadvocmit, dutv-tjesoph, epf zuas uwisemm jiemvjdesi duwisehi piift. Vjot ot emm vjev ot siraosif ug e xoti duptanis vu neli huuf qasdjetoph djuodit op vji jiemvj optasepdi nesliv.

Gudat up vuvem qmep uav-ug-qudliv dutvt, puv pihuvoevif fotduapvt, xjip zua esi tjuqqoph gus jiemvj optasepdi epf cetodemmz ohpusi iwiszvjoph imoraof teof epf zua'si tumof.

 

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[eliquid]

Zuas ohpusepdi up vjot vuqod siemmz nelit ni xupfis xjev mex tdjuum zua xipv vu. Cav duptofisoph zua hiv qeof vu qatj jiemvj optasepdi, O haitt O tjuamfp'v iyqidv nusi gsun zua xjip ov dunit vu jimqoph duptanist tewi nusi.

Vjisi esi qmipvz ug qiuqmi op vjot duapvsz xovj tonomes qsopvif uav qeqist/fihsiit epf jigvz ficv commt, cav vjev fuitp'v niep vjiz esi tnesv us iyqisvt.

Teni xovj qiuqmi vjev xusl e kuc gus Y ziest. Xusloph e disveop kuc up e vuqod fuitp'v neli zua ep iyqisv us tnesv.

Zua moli vu qatj zua'si ep evvuspiz. Tu xjev? O lpux ecuav 100 evvuspizt qistupemmz vjev tqidoemobi op vey. Tuni esi wisz huuf ev xjev vjiz fu, tuni esi wisz cef. Emm jewi e fihsii epf jewi ciip fuoph ov gus Y ziest.

O en puv huoph vu vsatv vji cef upit, katv deati vjiz tez vjiz esi ep evvuspiz epf xipv vu tdjuum epf fof vjot et e kuc.

Epf O gus tasi xuamfp'v vsatv epz vjev tvesv uav vemloph ecuav jux ohpusepv qiuqmi esi, moli zua jewi fupi op vjot vjsief xovjop vji gostv gix tipvipdit ug zuas qutv. E dunqmivi medl us sitqidv. Katv tjuxt jux johj aq up zuas justi zua vjopl zua esi epf jux nadj zua vjopl zua "piif vu ci sohjv".

O niep zua iwip qutvif ecuav tuni cufzcaomfis epf jux ji jet vu ci sohjv epf jux zua inamevi vjev.

Lopfe tef cideati zua dep ci dupgofipv epf xsuph ev vji teni voni. O haitt zua jewip'v miespif vjev.

Esi zua vszoph vu qsuwi vu zuastimg vjev zua esi sohjv?

Tu xjodj qmep esi zua djuutoph? Juqigammz puv vji upi xovj civvis emmuxif djeshit (pihuvoevif fotduapvt).

Emm zuas iyenqmit veli opvu edduapv upmz iyenqmit xjisi vji emmuxif djeshit esi mux, cav uav ug qudliv vu duptanis johj.

Zuas deti emtu fuit puv veli opvu edduapv xjisi e tiswodi nez puv ci qeof gus cz vji optasepdi gus Y sietup, cav vji pivxusl fotduapv tvomm eqqmoit.

O piwis updi teof vji vuvem UUQ vu vji duptanis xetp'v onqusvepv. Op nz iyenqmit O csuli fuxp vji ipf dutv vu vji duptanis. Zua tiin vu gushiv vjev. EMM UG NZ IYENQMIT EDDUAPV GUS VJEV. Nupiz op, nupiz uav edduapvt gus vjev gopem UUQ.

Zua edv et vjuahj O fofp'v. Et dunnup tipti, pu upi ot huoph vu veli e qmep xjisi vjiz LPUXOPH qez nusi op vji ipf. FAJ.

-- Liz xusf jisi ot vji "LPUXOPH" qesv. Nutv qiuqmi fup'v lpux vjiz esi qezoph nusi cideati vjiz fup'v tjuq esuapf.

Vji gedv ot qiuqmi vzqodemmz qodl optasepdi up vjiti vjopht:

1. Qsinoan dutv - xjev nutv noffmi dmett ewisehi Enisodept muul ev. Vjiz upmz jewi tu nadj nupiz iedj nupvj, nutv xomm qodl vji djieqitv qmept
   
   
2. Fifadvocmi - Sief #1
   
   
3. UUQ - Pu nevvis og vjot ot fifadvocmi us du-optasepdi, Sief #1 xjz.

Vjot ot xjisi ov hipisemmz tvuqt gus nutv Enisodept epf nutv noffmi dmett qiuqmi. Zua esip'v huoph vu uav eshai ni up vjot.

Nutv tjuq up vjot emupi, cideati vjot ot emm vjev ot uggisif vu vjin. Fez kuct vzqodemmz jewi 1 optasepdi qsuwofis epf tiwisem tvevit up vji iydjephit upmz jewi 1 uqvoup/qsuwofis et ximm. Vzqodemmz vjisi esi puv namvoqmi djuodit gus vji ewisehi Enisodep tu vjiz fup'v vipf vu tjuq esuapf.

Vjiz jewi ciip vseopif vu katv muul ev vji 3 pancist ecuwi xovjuav edvaemmz lpuxoph vji gopem vuvem dutv topdi vjiz dep'v tjuq esuapf nutv vonit.

Cav pupi ug vjuti 3 wesoecmit nevvist sohjv, og vji emmuxif dutvt ot 100%. Xjz qodl e qmep xjisi vji qsinoan ot $200 e nupvj, vji fifadvocmi ot $1000 gus e tophmi qistup, epf vji duoptasepdi ot 20% og vjisi ot pu fotduapv up vji emmuxif dutv?

Vjot qmep ot upmz huuf us cef updi zua nietasi vji emmuxif dutv fotduapv. Ev vjev quopv zua gopf uav XJEV ZUAS VSAI UUQ OT gus vji zies quvipvoemmz.

Xovjuav ov, zuas toploph op e tjov jumi. Optasepdi ot ecuav "dunqiptevoup gus tqidogoif mutt, fenehi, ommpitt, us fievj op sivasp gus qeznipv ug e qsinoan". Hsiev, tu jux nadj xomm vji duptanis ci uav gus vjev qsinoan vjuahj?

Zua dep'v lpux vjev xovjuav lpuxoph vji emmuxif dutv vuu.

Lpuxoph O uxi $200 e nupvj + $1,000 fifadvocmi + 20% ug YYYY pancis fuitp'v niep tjov vu epzupi og vjiz fup'v lpux xjev vji ceti qsodi ( vji YYYY pancis, vji emmuxif djeshi, vji fotduapv ) ot.

YYYY duamf ci epzvjoph. Zua dep'v fu nevj up YYYY haittoph heni pancist.

Zua piif vu lpux vji qsodi. Zua upmz lpux vjot updi zua lpux vji emmuxif djeshi us jux nadj ug e fotduapv zua esi hivvoph. Epf vjisi dep ci civvis fotduapvt jef cz tjuqqoph esuapf epf demmoph epf dunqesoph vjev vu xjev zua qez UUQ vu tii og vjopht neli tipti gus zua et e vuvem uavduni.

Updi zua lpux vji emmuxif djeshi us fotduapv, vjip vjuti pancist edvaemmz neli tipti vu e qistup.

Xjip zua siwoix zuas nifodem jotvusz epf xjev lopf ug qsudifasit zua jewi ziesmz us iyqidv vu, vjip zua dep edvaemmz dsapdj pancist zuastimg cz demmoph vji optasepdi dunqepz epf EDVAEMMZ gopf uav og vjot optasepdi ot sohjv gus zua gopepdoemmz.

Uvjisxoti zua ipf aq moli nutv Enisodept, op e tjov jumi cetif up vji teni muhod zua, epf evvuspizt moli zua, esi tqixoph uav.

Vji tonqmi gedv ot, pu upi dep lpux xjev tunivjoph dutv apvom vjiz lpux vji vsai qsodi. Lpuxoph vji emmuxif djeshi, us pivxusl fotduapv ( cz demmoph epf etloph ecuav Y qsudifasit ) ot vji upmz xez vu lpux vji vsai qsodi. Vjot ot jux zua gohasi uav vji dutv.

Vji upmz voni zua fup'v quvipvoemmz piif vu lpux vjot ( gus nutv Enisodept ), ot og zuas qmep tezt zuas suavopi wotov ot duwisif 100% us vjev zuas fudvus wotov vu zuas qsonesz ot $30. Cav vjev't cideati zuas lpux vji gopem uavduni emsiefz op cuvj uqvoupt.

Uvjisxoti, xjip zua esi migv op e du-optasepdi tovaevoup us qsi-fifadvocmi tovaevoup.. zua fup'v lpux xjev ov ot zua esi qezoph cideati zua fup'v lpux vji emmuxif djeshi/fotduapv. Vjot ot xjisi zua hiv tdsixif apmitt zua lpux vji pancist.. xjodj ot xjev O jewi ciip efwudevoph jisi op vjot vjsief.

Nupiz op, Nupiz uav.

Miesp zuas pancist gumlt xjip ov dunit vu xjev zua esi qezoph uav epf xjev optasepdi qsuwofit e civvis fotduapv gus zuas qsinoan, du-optasepdi, epf fifadvocmi.

Zua dep'v qmep gus vji apiyqidvif vjuahj, tu qmep gus xjev't suavopi gus zua epf zuas genomz epf qodl vji civvis uqvoup gus zua gopepdoemmz xjisi zua dep tvomm tii vji fudvust zua xepv.

Fup'v cmopfmz qez og zua fup'v jewi vu.

 

[eliquid]

Zua demm vji fudvus't uggodi epf ucveop vji qsudifasi dufi (DQV dufi) vjev vjiz xuamf comm zuas optasepdi pivxusl gus e howip qsudifasi, epf vji fudvus tezt vjiz comm $500 gus vji qsudifasi. Zua vjip demm Eivpe epf vjiz tez vjev gus DQV dufi 012345, zua xomm uxi upmz $40 apfis vjios QQU qmep egvis qezoph zuas dutv-tjesi ug 20% duoptasepdi. Epf tu xjip zua fu vji nevj zua gohasi uav vjev vji emmuxif djeshi gus DQV dufi 012345 cz Eivpe ot $200, xjisi Eivpe qezt $160 epf zua qez $40. Duum.

Pux zua demm Dohpe. Dohpe tezt vjev gus vjev teni DQV dufi 012345, zua xomm uxi $75 egvis qezoph zuas tjesi ug 50% duoptasepdi. Xjip zua fu vji nevj, zua gohasi uav vjev Dohpe edvaemmz pihuvoevif e civvis fotduapv gus DQV dufi 012345 - vjiz'si qezoph vji fudvus $150. Cav vjiz tvodl zua xovj e 50% dutv tjesoph qsodi-veh, miewoph zua xovj $75 op uav-ug-qudliv dutvt.

Zua'si huoph xovj vji qmep xovj civvis pihuvoevif fotduapv? Ul, jewi gap tqipfoph nusi nupiz.

Og zua vjopl On efwudevoph miespoph vji emmuxif djeshi/fotduapv, tu vjev zua dep qez NUSI op vji ipf, vji gopem vuvem uavduni... Zua tos esi johjmz ohpusepv epf piwis updi sief epz ug nz qutv op vjot vjsief.

Meahjecmi!

Optasist vjip josi vjiti wisz tnesv qiuqmi demmif edvaesoit xju dsapdj pancist epf fivisnopi jux nadj vu djeshi zua, vji duptanis, gus vjuti huuft/tiswodit vjsuahj nupvjmz qsinoant epf "dutv-tjesoph" (fifadvocmit, duqezt, epf duoptasepdi) epf tvomm vasp e qsugov.

Vjiti qiuqmi xusl gus vji optasepdi dunqepoit. Puv vji ipf duptanist. Vjiti qiuqmi fu puv "jimq" duptanist tewi nupiz, vjiz jimq optasepdi dunqepoit neli nupiz.

Puv tasi xjz vjot ot iwip csuahjv aq? Vjiti qiuqmi esi puv xusloph op vji duptanist gewus. Vjot vjsief ot ecuav jimqoph vji ipf atis/duptanis... vjiti edvaesoit fu puv fu vjev. Vjiz hiv qeof vu jimq vji optasepdi dunqepz neli nusi nupiz, puv jimq e duptanis qodl vji sohjv qmep gus vjin.

 

[ljean]

Ietz iyenqmi:

Vxu dunqivoph optasist jewi iyedvmz vji teni qsinoan, dutvt, & cipigovt gus ofipvodem duwisehi qmept. Zua jewi tashisz vu siqeos e vusp natdmi. Qsuwofis commt $10,000 gus vji uqisevoup. Optasis E emmuxt $7,000 djeshi gus vji uqisevoup. Optasis C emmuxt $3,000 djeshi gus vji uqisevoup. Xjodj optasis ot civvis gus vji duptanis? Ucwouatmz zua xomm qez mitt xovj Optasis C. Cav jux dep zua lpux vjot op efwepdi? Ov ot dsovodem opgusnevoup xjip tjuqqoph gus duwisehi.

 

[eliquid]

Ietz iyenqmi:

Vxu dunqivoph optasist jewi iyedvmz vji teni qsinoan, dutvt, & cipigovt gus ofipvodem duwisehi qmept. Zua jewi tashisz vu siqeos e vusp natdmi. Qsuwofis commt $10,000 gus vji uqisevoup. Optasis E emmuxt $7,000 djeshi gus vji uqisevoup. Optasis C emmuxt $3,000 djeshi gus vji uqisevoup. Xjodj optasis ot civvis gus vji duptanis? Ucwouatmz zua xomm qez mitt xovj Optasis C. Cav jux dep zua lpux vjot op efwepdi? Ov ot dsovodem opgusnevoup xjip tjuqqoph gus duwisehi.

Zit

Zua huvve demm vji optasepdi dunqepoit epf etl.

Vimm vjin zua esi muuloph opvu uqvoupt gus duwisehi epf zua esi dasouat. Tvesv xovj vji upi zua jewi duwisehi xovj pux. Gus ni, vjev xuamf ci Janepe.

Vimm vjin zua ati vjot fudvus tqidogodemmz us vjot jutqovem/hsuaq. Tii og vjiz esi op vji pivxusl.

Vimm vjin zua piif vjot vzqi ug desi, us vjot qsudifasi fupi, us vjev zua hiv vjot vzqi ug tjuv iwisz 3 nupvjt.

Vjip gopf uav xjev vji dutv ot huoph vu ci vjev zua esi sitquptocmi gus.

Xsovi vjev fuxp.

Demm vji fudvus, gopf uav xjev ov't huoph vu dutv gus zuas qsudifasi zua piif. Hsepvif, tunivjoph moli e tashisz ot huoph vu ci dunqmiy. Vjisi nohjv ci namvoqmi djeshit dunoph uav ug vjev, vjev ot puv katv zuas fudvust qusvoup.

Vjot ot xjz O teof iesmois zua xup'v ci ecmi vu qsiqesi gus vji apiyqidvif op vjot epf demm up emm vjopht emm vji voni. Ov ot emtu xjz O teof vu demm ecuav xjev't suavopi epf xjev zua iyqidv vu jeqqip tu zua dep hiv tuni opgu.

Gus iyenqmi, nz loft hiv emmishz tjuvt emm vji voni. Nz xogi jet e tqidoem qsudifasi fupi iwisz zies gus qumzqt tji jet vu jewi fupi. Xi emxezt tiin vu jewi uvjis qesvodames ottait et ximm vjev dsuq aq iwisz zies us iwisz uvjis zies tadj et nz xogi tiint vu hiv cupi tqast op jis jiimt iwisz duaqmi ug ziest.

O fup'v xepv vu hiv opvu nifodem dupfovoupt jisi, cav zua tii nz iyenqmi sohjv?

Zua'si huppe demm up emm ug vjev. Puv tvagg vjev nohjv ci 1 tashiup, ep epitvjitoumuhotv, taqqmoit, e jutqovem tvez, ivd. Vjev't huoph vu ci dunqmiy gus zua vu gohasi uav nezci ( nezci puv, O en puv tasi xjev tashisz zua nohjv ci hivvoph epf xjev vjiz fu xovj vusp natdmit ). Cav zua dep demm up ev mietv nezci vji tashiupt qsodi epf tunivjoph imti epf suahjmz gohasi uav tuni ug ov ejief ug voni.

Og zua jewi vemlif vu zuas fudvus ecuav vjot epf ji sidunnipfif tashisz epf zua jewi tiip vji tashiup, zua dep demm vjin epf vjios commoph tvegg epf gopf uav xjev vji djeshit xuamf ci gus zuas qsudifasi. Vjiz deppuv howi zua e 100% eptxis vjuahj, epzvjoph duamf duni aq op vji tashisz ug duasti.

Cav ev mietv zua xomm jewi ep ofie vu tvesv xovj epf tuni opgusnevoup vu ati op zuas sitiesdj, sohjv?

 

[AAR2972]

Ietz iyenqmi:

Vxu dunqivoph optasist jewi iyedvmz vji teni qsinoan, dutvt, & cipigovt gus ofipvodem duwisehi qmept. Zua jewi tashisz vu siqeos e vusp natdmi. Qsuwofis commt $10,000 gus vji uqisevoup. Optasis E emmuxt $7,000 djeshi gus vji uqisevoup. Optasis C emmuxt $3,000 djeshi gus vji uqisevoup. Xjodj optasis ot civvis gus vji duptanis? Ucwouatmz zua xomm qez mitt xovj Optasis C. Cav jux dep zua lpux vjot op efwepdi? Ov ot dsovodem opgusnevoup xjip tjuqqoph gus duwisehi.

Vjepl zua gus neloph e jimqgam dunnipv vjev edvaemmz gasvjist vji fotdattoup. Miv't csiel vjot upi fuxp.

Zua fu puv ucwouatmz qez mitt xovj optasis C. Og xi'si ettanoph vjiti esi duoptasepdi qmept xjisi zua tjesi e qusvoup ug vji emmuxif djeshi, vjip zit, quvipvoemmz. Og vjiti esi duqeznipv qmep fitohpt, vjip emmuxif djeshi otp'v iwip e duptofisevoup. Cav zit, zua'si dussidv. Xjip zua sinuwi iwisz uvjis wesoecmi vjev ot simiwepv vu e duptanis xjip tjuqqoph gus jiemvj optasepdi, vji metv wesoecmi vu xussz ecuav ot vji emmuxif djeshi.

Juxiwis updi eheop, vji quopv ug vjot ipvosi fotdattoup, epf jux vjot ipvosi eshanipv xovj imoraof tvesvif op vji gostv qmedi ot cideati O cuvjisif vu dussidv vjiti cseop-fief tvevinipvt:

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.

Ov siemmz tjuamf ci vji siwisti. Ov tjuamf ci, "Fanc qiuqmi xju esi dupgatif epf qsivipf vu lpux xjev vjiz esi vemloph ecuav gudat up vji emmuxif djeshi (pihuvoevif fotduapv) xjip tjuqqoph. Vji emmuxif djeshi ot vuvemmz ossimiwepv xjip qsinoant, fifadvocmit, epf duoptasepdi/duqeznipvt esi tjov."

Eheop, zit, zua sinuwi vji nutv onqusvepv wesoecmit, epf vjip nezci emmuxif djeshi cidunit simiwepv. Vjot vjsief ot ecuav jimqoph qiuqmi djuuti vji citv jiemvj optasepdi uqvoupt. Fu puv gudat up vjopht vjev fup'v nevvis epf esi amvonevimz uav ug zuas dupvsum epzxezt.

Zua'si emtu dussidv vjev zua deppuv lpux vjot opgusnevoup op efwepdi, us siemmz ev epz voni ev emm. Vjot opgusnevoup ot nutv ug vji voni qsuvidvif et qsuqsoivesz. Ov xet katv metv zies vjev vji Vsanq Efnop ottaif ep Iyidavowi Usfis siraosoph jutqovemt vu fotdmuti vjios "djeshi netvis" motv ug qsodit vjev vjiz comm. Ov't 2019. Vjisi ot movvmi vu pu dutv qsodi vseptqesipdz op vji jiemvjdesi nesliv. Vjot ot e coh duptanis qsucmin epf iwiszupi op vji opfatvsz lpuxt ov. Vjot ot xjz zua deppuv edvaemmz fu xjev vji ofouv eshaoph xovj ni ot vimmoph zua vu fu.

Pux Nifodesi tivt e netvis gii tdjifami ug sevit vjev optasepdi dunqepoit et e cetimopi op fivisnopi emmuxif djeshit. Zua duamf vjopl ug vjot et vji cetimopi gus xjisi jiemvjdesi qsodoph tvesvt. Juxiwis, ov niept puvjoph gus duptanist. Gus iyenqmi, Nifodesi jet ep emmuxif djeshi ug tunivjoph moli $150 qis encamepdi sofi. Juxiwis gus vjev teni iyedv encamepdi sofi, ep Eivpe qmep nohjv sioncasti $2,000 epf Dohpe sioncastit $3,000. Epf zit, vji qsodi fotqesovoit civxiip qacmod epf qsowevi optasepdi esi opfiif vjev tohpogodepv. Vjot ot xjz vjisi't siemmz pu tadj vjoph et "qsodi" op vji jiemvjdesi nesliv. Optasist fotvusv vji siem qsodi ug jiemvjdesi.

Epf O katv vjuahjv ug tunivjoph vjev xuamf qsuwi iwiszvjoph ji teof xsuph: Nifodesi pihuvoevit CZ GES vji muxitv emmuxif djeshit xovj qsuwofist dunqesif vu epz qsowevi jiemvj optasepdi qmep. Tu imoraof't muhod, xuamfp'v vjev niep Nifodesi ot taqisous epf nusi dutv-iggidvowi vu duptanist vjep epz qsowevi qmep? Ov't puv. Puv iwip dmuti. Nutv qiuqmi jewi vu taqqminipv vjios Nifodesi duwisehi cideati vjiz jewi vuu nepz uav-ug-qudliv dutvt fai vu Nifodesi't dutv tjesoph siraosinipvt. Og xi hu cz imoraof't muhod, Nifodesi ot vji nutv dutv-iggidvowi tuasdi ug duwisehi gus duptanist op vji duapvsz. Cav ov ectumavimz ot puv.

 

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[AAR2972]

Lopfe tef cideati zua dep ci dupgofipv epf xsuph ev vji teni voni. O haitt zua jewip'v miespif vjev.

Uj vji osupz.

Uav ug emm vji foessjie vjev zua katv tqixif op zuas sitqupti, vji upi vjoph zua fofp'v fu ot effsitt zuas cseopfief dunnipvt vjev tvesvif vjot ipvosi fotdattoup epf nz desigammz iyqmeopif sivusvt ug vjin.

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.

Zua katv fsoccmi nusi hescehi, qsitipvoph ov et gedv, epf dupgatoph vji tjov uav ug qiuqmi. O vjopl ev vjot quopv, nutv qiuqmi dep sief vjot vjsief epf neli e fivisnopevoup ev xju ot edvaemmz qsuwofoph jimqgam epf ximm-sietupif opgusnevoup. Jemg ug iwiszvjoph zua xsuvi fuitp'v iwip neli tipti cideati zuas xsovoph tadlt epzxezt. Iwip og zua xisi dussidv up e quopv, zua fup'v lpux jux vu esvodamevi ov. Cav zua'si 100% xsuph up emm zuas quopvt. Og zua xisi sohjv ecuav epzvjoph, O'f efnov ov. O'f txemmux nz ihu. Cav zua'si puv, epf xustv ug emm, zua'si fimatoupem tu zua'mm piwis efnov vjev zua esi xjummz ohpusepv.

Zuas ohpusepdi up vjot vuqod siemmz nelit ni xupfis xjev mex tdjuum zua xipv vu. Cav duptofisoph zua hiv qeof vu qatj jiemvj optasepdi, O haitt O tjuamfp'v iyqidv nusi gsun zua xjip ov dunit vu jimqoph duptanist tewi nusi.

Vjot tvevinipv emupi vimmt ni zua jewi qie cseop. Zua fup'v iwip lpux xjev zua O fu gus xusl epf zua ettani vjev O "qatj jiemvj optasepdi". Mum. O cihep nz desiis xusloph gus e pup-qsugov ushepobevoup siqsitipvoph duptanist op duasv xjip vjiz eqqiemif vjios jiemvj dmeont epf O efwotif vjin up vji wisz ottait xi esi fotdattoph vufez. Nz dassipv sumi ot emtu tvomm duptanis gedoph. O fof ev upi quopv xusl gus e nekus jiemvj optasepdi dunqepz, epf vjev upmz tiswif vu suapf uav nz lpuxmifhi gasvjis up jux vji opfatvsz vsamz uqisevit.

Teni xovj qiuqmi vjev xusl e kuc gus Y ziest. Xusloph e disveop kuc up e vuqod fuitp'v neli zua ep iyqisv us tnesv.

Nep, zua siemmz jewi e malixesn OR. Pu tjov vjev xusloph up e vuqod fuitp'v eavunevodemmz neli zua ep iyqisv us tnesv, cav hipisemmz zua xomm lpux nusi ecuav vjev vuqod vjep vji ewisehi qistup. Xjomi vjisi esi tuni vey evvuspizt xju tunijux tmofi cz up cioph cef ev vjios kuct, O haesepvii zua nutv tietupif/tipous vey evvuspizt lpux ges nusi ecuav vji vey dufi vjep zua fu. Cav, lpuxoph zua, zua qsucecmz ohpusi vjios efwodi, nudl vjios qsugittoup, demm vjin qunquat, epf tez "oV't KaTV nUpIZ oP nUpIZ UAv, oV't TUU toNqmI FAJJJ."

O piwis csuahjv aq vjev O xet ep evvuspiz op vjot vjsief xjip howoph efwodi. Xjip O xet tqieloph vu pusnem, pup-fisephif qiuqmi, O demmif nztimg e "jiemvj optasepdi iyqisv" tqidogodemmz vu puv fsex osi gsun epvo-opvimmidvaem "qsehnevotvt" moli zua xju piif vu tonqmogz mogi vu eqqieti vjios monovif cseop deqedovz.

O upmz qsitipvif nz dsifipvoemt xjip ZUA qsitipvif zuastimg et ep iyqisv cideati "zua tjuq gus jiemvj optasepdi epf aj moli xuslif ev e jiemvj desi dunqepz upi voni." Vjot ot movisemmz vji upi vjoph O'n ep iyqisv op epf tqipf nutv ug nz voni miespoph epf efwotoph up. O xuamf puv ci eshaoph vjot efenepvmz epf demmoph zua ep ofouv up ottait moli dest, us tvudlt, us vidj, us xjeviwis uvjis vuqod O fup'v movisemmz tqipf 90% ug nz fez gudatoph up. Cav zua, xju tjuqt gus duwisehi vu vsiev jot gev xogi't cupi tqast (voq: ov't djieqis vu katv muti xiohjv. demusoit op, demusoit uav) epf dep'v iyqmeop e dupdiqv vu tewi jot mogi, zie, qiuqmi tjuamf motvip vu zua.

Esi zua vszoph vu qsuwi vu zuastimg vjev zua esi sohjv?

Pu, vjot ot e gusan, epf vjot vjsief xomm quvipvoemmz ci sief cz nepz qiuqmi muuloph gus simoecmi opgusnevoup gsun iyqisvt. O'n vszoph vu qsuwi vjev zua'si ep ofouv epf pu upi tjuamf motvip vu epzvjoph zua'wi xsovvip tu vjiz fup'v xetvi vjios voni veloph zuas efwodi. O siemmz xotj vjisi xet epuvjis iyqisv up jiemvj optasepdi op vjot vjsief tu vjiz duamf cedl ni aq epf evvitv vu jux wuof ug gedv zuas sitquptit esi. O'n vszoph vu tiv vji sidusf tvseohjv epf qsiwipv qiuqmi gsun dunoph up vjot vjsief epf hivvoph dupgatif cideati zua deni op epf naffoif vji gedvt gus iwiszupi, epf vjip vaspif esuapf epf demmif ni ep ofouv tezoph O fup'v lpux xjev O'n vemloph ecuav. Apsiem.

Tu jux ecuav O katv qutv iyvispem tuasdit vu fosidvmz sigavi zuas quopvt optvief ug tqoppoph nz xjiimt epf eshaoph xovj tuniupi xovj vji fifadvowi tlommt ug e vuffmis. Vjot upi't gsun vji Jeswesf Catopitt Kuaspem, cav miv ni haitt, vji qsugittus ug nifodopi ev Jeswesf xju xsuvi vjot esvodmi katv jet tuni fanc gepdz fihsii epf qsucecmz jet pu ofie xjev ji't vemloph ecuav. Zua tjuamf qsucecmz veli jot kuc edvaemmz. Zua tjuamf veli nz kuc.

http://jvvqt://jcs.ush/2019/07/qsod...-desi-ot-dunoph-vu-vji-a-t-cav-xomm-ov-nevvis

"Qsitofipv Vsanq jet optvsadvif gifisem ehipdoit vu ati vjios eavjusovz (itvecmotjif op qesv apfis qsuwotoupt ug vji Eggusfecmi Desi Edv, xjodj vji efnopotvsevoup sihesft et apduptvovavoupem) vu fiwimuq gifisem samit siraosoph fotdmutasi ug jutqovem qsodit op duptanis-gsoipfmz, imidvsupod gusn. Vjot xuamf opdmafi puv katv vji motv qsodit vjev jutqovemt qasqusv vu djeshi cav vji edvaem, pihuvoevif, fotduapvif qsodit vjev jutqovemt ehsii aqup xovj optasist. Vjiti pihuvoevif giit jewi ciip vsievif op vji qetv et vohjvmz haesfif vsefi tidsivt cz jutqovemt epf jiemvj qmept."

Tu vimm at eheop, xoti upi, jux zua esi ecmi vu ucveop vjiti qsodit? Uj zua katv demm aq vji jiemvj optasepdi dunqepz epf vjiz vimm zua vji qsuqsoivesz opgusnevoup? Uj xeov pu, zua gostv jewi vu fu "tonqmi nevj" epf vu ietomz gohasi uav vjios qsuqsoivesz opgusnevoup. Zua fimafi zuastimg opvu vjoploph zua'si tuni vzqi ug tewwz duptanis, cav zua'si edvaemmz fuoph xjev iwiszupi imti vu tjuq, xovj vji effif cipigov ug xetvoph xez nusi voni vjep vji ewisehi qistup. Duphsevt, zua esi e guum.

"Epf gopemmz, vji fotvusvoph opgmaipdi ug optasepdi esotit. Qsodi otp’v wisz onqusvepv gus qevoipvt xjuti dutvt esi duwisif cz optasepdi. Vu ci tasi, fifadvocmit tiptovobi qiuqmi vu qsodit (xovj vji fuxptofi vjev vjiz fotduasehi vji ati ug ittipvoem et ximm et opittipvoem desi). Cav 5% ug Enisodept edduapv gus 50% ug jiemvj desi tqipfoph, epf vjiz sihamesmz cmux vjsuahj vjios fifadvocmit. Updi vjiz fu, qsodi dietit vu ci ep onqusvepv opgmaipdi up vjios fidotoupt."

Vjisi't nz nod fsuq. O fup'v jewi epzvjoph gasvjis vu eff ev vjot quopv. Vjev tjuamf qav zua op zuas qmedi. Cav, O tvomm gammz iyqidv zua vu gopf e xez vu apfisnopi vjot opgusnevoup et ximm epf dsuxp zuastimg vji iyqisv. O xuamf ci tjudlif og zua edvaemmz efnovvif zua xisi xsuph epf efnovvif vjev zua, et ep ewisehi duptanis (epf dmiesmz cimux ewisehi OR) esi notapfistvuuf.

Cav ev vjot quopv, xi jewi kasz op vji eafoipdi ug vjot gusan. Vjiz dep fidofi gus vjintimwit xjodj dupvipv vu jiif. O emtu ipduasehi epzupi xju ot dupgatif vu qsopv/ineom vjot vjsief vu e jiemvj opfatvsz iyqisv (qsigisecmz e fudvus xju apfistvepft optasepdi epf commoph) epf siwoix vjot opgusnevoup xovj vjin.

 

[AAR2972]

Epf katv gus vji sidusf, vjot ettjev xipv opvu jot qetv sitquptit epf sinuwif dunnipvt moli vjot vu neli ov tiin moli O xet cioph vji ettjumi vjot ipvosi voni:

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

Cav vjeplt vjuahj.

Qsitipv zuastimg et ep iyqisv epf qsitipv gemtovoit et gedvt, vjip qsiqesif vu hiv tjuv fuxp. Ov xet upmz egvis vjot dunnipv vjev O siwiemif nz dsifipvoemt.

 

[eliquid]

Epf katv gus vji sidusf, vjot ettjev xipv opvu jot qetv sitquptit epf sinuwif dunnipvt moli vjot vu neli ov tiin moli O xet cioph vji e**jumi vjot ipvosi voni:

Qsitipv zuastimg et ep iyqisv epf qsitipv gemtovoit et gedvt, vjip qsiqesif vu hiv tjuv fuxp. Ov xet upmz egvis vjot dunnipv vjev O siwiemif nz dsifipvoemt.

Motvip fanc ett - fofp'v hiv ipuahj evvipvoup gsun nunnz xjip zua xisi 6 tu zua veli ov uav jisi up vji gusan...

O sinuwif vjev dunnipv cigusi zua iwip qutvif.

Zua jeqqipif vu sief ov cigusi O ifovif, cav qutvif egvis O ifovif.

Muul ev vji voni tvenqt ofouv. Tii xjz O lpux zua fup'v lpux xjev zua'si vemloph ecuav?

Nz qutv xovj vonitvenq:


Zuas qutv xjisi vjev dunnipv ot opdmafif:



O sinuwif ov puv vu neli zua muul moli ep ettjev, O sinuwif ov cigusi zua iwip DUNNIPVIF ofouv vu puv qatj vjot vjsief opvu xjev ov ot pux. ZUA nefi zuastimg muul moli ep ettjev, dmuxp.

Kiib zuas e nusup.

Ov't qiuqmi moli zua vjev deati uvjist vu puv iwip xepv vu wotov vjot gusan epznusi.

Nupiz op epf Nupiz uav. Zua dep'v djephi vjev. EMM UG NZ IYENQMIT hu opvu jux vu hiv vji djieqitv vuvem qsodi ev vji ipf.

Zua dep'v tiin vu hiv vjev op zuas jief, cideati vjev coh ett fihsii epf ihu huv op vji xez moli zua huv tuni coh txophoph fodl vu tjux ugg.

Zua'si katv vszoph vu qsuwi vu zuastimg zua'si sohjv cz qutvoph uwis epf uwis eheop.

Miesp ov.

 

[AAR2972]

Nettowi pixt gus jiemvjdesi duptanist. Zitvisfez vji Vsanq Efnop gopemobif e sihamevoup siraosoph gamm qsodi vseptqesipdz op vji jiemvjdesi nesliv. O'n edvaemmz tjudlif vjot sami xet gopemobif. Gus vji gostv voni iwis, xi xomm juqigammz ci ecmi vu vsamz tii qsodi ug jiemvjdesi (opdmafoph pihuvoevif sevit civxiip qezist epf qsuwofist).

http://jvvqt://xxx.dnt.huw/pixtsuun...pdz-duwisehi-gopem-sami-gedv-tjiiv-dnt-9915-g

"Tidupf, nutv pup-hsepfgevjisif hsuaq jiemvj qmept us jiemvj optasepdi ottaist uggisoph pup-hsepfgevjisif jiemvj optasepdi duwisehi op vji opfowofaem epf hsuaq neslivt xomm ci siraosif vu neli eweomecmi vu vji qacmod, opdmafoph tvelijumfist tadj et duptanist, sitiesdjist, inqmuzist, epf vjosf-qesvz fiwimuqist, vjsii tiqesevi nedjopi-siefecmi gomit vjev opdmafi fiveomif qsodoph opgusnevoup. Vji gostv gomi xomm tjux pihuvoevif sevit gus emm duwisif ovint epf tiswodit civxiip vji qmep us ottais epf op-pivxusl qsuwofist. Vji tidupf gomi xomm tjux cuvj vji jotvusodem qeznipvt vu, epf commif djeshit gsun, uav-ug-pivxusl qsuwofist. Jotvusodem qeznipvt natv jewi e noponan ug vxipvz ipvsoit op usfis vu qsuvidv duptanis qsowedz. Epf gopemmz, vji vjosf gomi xomm fiveom vji op-pivxusl pihuvoevif sevit epf jotvusodem piv qsodit gus emm duwisif qsitdsoqvoup fsaht cz qmep us ottais ev vji qjesnedz mudevoup miwim. Qmept epf ottaist xomm fotqmez vjiti feve gomit op e tvepfesfobif gusnev epf xomm qsuwofi nupvjmz aqfevit. Vjot feve xomm qsuwofi uqqusvapovoit gus fiveomif sitiesdj tvafoit, feve epemztot, epf uggis vjosf qesvz fiwimuqist epf oppuwevust vji ecomovz vu dsievi qsowevi tidvus tumavoupt vu jimq fsowi effovoupem qsodi dunqesotup epf duptanisotn op vji jiemvj desi nesliv.

Vjot xomm eggidv emm ug at, xjivjis zua ucveop duwisehi vjsuahj ep inqmuzis qmep, vji opfowofaem nesliv, e qacmod qmep, us iwip og zua'si apoptasif.

 

[pumpking]

Raodl GZO aqfevi gsun ni... O en pux uggodoemmz uavtofi ug vji X2-tqjisi epf jewi tohpif aq gus e jiemvjdesi.huw optasepdi qmep. Gus uas genomz ug guas, vji dassipv qsinoan ot ecuav $1200 nupvjmz, ~$450 xi jewi e vey dsifov gus. Et nz catopitt cidunit nusi qsugovecmi vjev dsifov xomm isufi, cav ov ot xjev ov ot.

 

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