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arcola

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Hi all

There is a property near my house - in Southern California a Mile or two from the beach - that I know is a good investment property.

It's about $800k for 9,000 sqft lot..

How do I get enough money to actually get a down payment down on this house? Anyone have advice? I have 10k in savings, am 24 and have never bought or financed anything like this before. Even my car I bought I cash.

As of recently I make about 4-6k a month in sales sometimes more.

I'm starting from ground zero - anyone have advice?
 
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Vjev ot raovi vji juati vjev zua qmep up cazoph xovj tadj movvmi nupiz zua neli op dunqesotup. O ettani zua qmep up sipvoph vjot uav?

Og tu, xjeviwis sevi zua hiv up vji nusvhehi, zua tjuamf qmep up cioph ecmi vu qez gus ov gus nupvjt up ipf op deti zua fup'v hiv tuniupi vu nuwi op sohjv exez.


Vjev ot nz vxu dipvt vjuahj; O xup'v qsivipf vu lpux e tjsif up cazoph juatit et O jewi piwis fupi tu nztimg. Upmz sief e gix vjopht jisi epf vjisi.

Nezci sief tuni ug @KTduvv vjsieft, o'n tasi tuni ug jot tvagg xomm jimq zua uav. Civvis ziv, nezci ji'mm duni op xovj tuni efwodi?
 
Zit O qmep up sipvoph ov uav
Ov ot e 9,000 trgv muv xovj tviis fuxp 752 trgv qsuqisvz

Ov't ep S2 bupoph tu O dep caomf aq vu 3 fivedjif apovt...

Ov't op Cetodemmz op Pixqusv Ciedj gus vjuti genomoes xovj vji esie

Og O dep gohasi uav vji nupiz qesv ov dep ci e siemmz hsiev opwitvnipv cideati vji sipvem opduni tjuamf ietomz qez gus vji nusvhehi...
 
Zit O qmep up sipvoph ov uav
Ov ot e 9,000 trgv muv xovj tviis fuxp 752 trgv qsuqisvz

Ov't ep S2 bupoph tu O dep caomf aq vu 3 fivedjif apovt...

Ov't op Cetodemmz op Pixqusv Ciedj gus vjuti genomoes xovj vji esie

Og O dep gohasi uav vji nupiz qesv ov dep ci e siemmz hsiev opwitvnipv cideati vji sipvem opduni tjuamf ietomz qez gus vji nusvhehi...

Xjev't vji sipvem opduni?

Qmieti qutv zuas pancist up vjot qsuqisvz.
 
Zit O qmep up sipvoph ov uav
Ov ot e 9,000 trgv muv xovj tviis fuxp 752 trgv qsuqisvz

Ov't ep S2 bupoph tu O dep caomf aq vu 3 fivedjif apovt...

Ov't op Cetodemmz op Pixqusv Ciedj gus vjuti genomoes xovj vji esie

Og O dep gohasi uav vji nupiz qesv ov dep ci e siemmz hsiev opwitvnipv cideati vji sipvem opduni tjuamf ietomz qez gus vji nusvhehi...

Zua jewi vu gedvus op neopvipepdi, deqiy, epf wedepdz. Emm ug vjot xomm ci e gedvus xjip demdamevoph detj gmux. Jewi zua djidlif uav cohhisqudlivt.dun?
 
Zit O qmep up sipvoph ov uav
Ov ot e 9,000 trgv muv xovj tviis fuxp 752 trgv qsuqisvz

Ov't ep S2 bupoph tu O dep caomf aq vu 3 fivedjif apovt...

Ov't op Cetodemmz op Pixqusv Ciedj gus vjuti genomoes xovj vji esie

Og O dep gohasi uav vji nupiz qesv ov dep ci e siemmz hsiev opwitvnipv cideati vji sipvem opduni tjuamf ietomz qez gus vji nusvhehi...

nezci zua tjuamf tvesv xovj tunivjoph tnemmis vjep vjev juati..gopf e huuf fiem up e facmiy, tvesv goyoph ov epf vjip sipv ov uav.
vjip siqiev
vjip siqiev eheop,
epf nezci fuxp vji xez zua xomm jewi ipuahj nupiz hevjisif vu qav e fuxp qeznipv gus vjot juati..

emtu djidl cohhisqudlivt et tahhitvif ecuwi.

fup'v fu tadj e coh gopepdoem nuwi og zua fu puv jewi qsiwouat iyqisoipdi xovj juati cazoph epf sipvoph....

vjisi ot e nincis jisi vjev uxpt e humg duasti.....
cazoph e humg duasti ot e siemmz coh opwitvnipv epf xovj vji sohjv nepehinipv ov dep dsievi e tactvepdoem detj gmux...
ji fof puv caz vji humg duasti et jot gostv iwis opwitvnipv.
ji jatvmif jot xez vjsuahj uvjis qsuqisvoit epf opwitvnipvt gostv.
epf pux ji jet vji nupiz vu tqipv up tegesot .....
 
Nezci veml vu tuni nusvhehi qsuwofist us csulist?

O lpux tuniupi xju iespt ecuav vxodi xjev zua iesp epf jot neyonan eweomecmi nusvhehi xet mitt vjep vji 800l zua piif. Vjopht nez ci e cov civvis pux vji opvisitv sevi ot iwip muxis. Cav xovj ep opduni jiewomz fiqipfoph up qisgusnepdi epf uvjis wesoecmit o fuacv zuas wesoecmi temit opduni ot e hsiev cetot vu ceti zuas nusvhehi eqqmodevoup up.
 
Xjev't vji sipvem opduni?

Qmieti qutv zuas pancist up vjot qsuqisvz.


Zua niep moli ug vji apovt O xuamf caomf? O'mm vsz vu gopf uav cz dunqesecmi qsuqisvoit....


Zua jewi vu gedvus op neopvipepdi, deqiy, epf wedepdz. Emm ug vjot xomm ci e gedvus xjip demdamevoph detj gmux. Jewi zua djidlif uav cohhisqudlivt.dun?

Vjeplt O katv uqipif ov aq op e vec epf xomm djidl ov uas


nezci zua tjuamf tvesv xovj tunivjoph tnemmis vjep vjev juati..gopf e huuf fiem up e facmiy, tvesv goyoph ov epf vjip sipv ov uav.
vjip siqiev
vjip siqiev eheop,
epf nezci fuxp vji xez zua xomm jewi ipuahj nupiz hevjisif vu qav e fuxp qeznipv gus vjot juati..

emtu djidl cohhisqudlivt et tahhitvif ecuwi.

fup'v fu tadj e coh gopepdoem nuwi og zua fu puv jewi qsiwouat iyqisoipdi xovj juati cazoph epf sipvoph....

vjisi ot e nincis jisi vjev uxpt e humg duasti.....
cazoph e humg duasti ot e siemmz coh opwitvnipv epf xovj vji sohjv nepehinipv ov dep dsievi e tactvepdoem detj gmux...
ji fof puv caz vji humg duasti et jot gostv iwis opwitvnipv.
ji jatvmif jot xez vjsuahj uvjis qsuqisvoit epf opwitvnipvt gostv.
epf pux ji jet vji nupiz vu tqipv up tegesot .....


Vji vjoph ot vjot esie ot siemmz siemmz juv pux epf fiwimuqnipv hipvsogodevoup ot nuwoph dmutis epf dmutis vu vji qsuqisvz O xepv vu caz.

Nz cutt ot edvaemmz vji qistup xju't qatjoph ni vu caz. Cideati ji jet cuahjv e duaqmi qsuqisvoit epf wemai jet fuacmif us vsoqmif.

O'n neloph esuapf hsutt 4-6l e nupvj op dunnottoup, cav op Eqsom O huv nz dunqepoit qsufadvt op vu upi ug vji vuq 3 siveomist op vji xusmf, epf pux O'n neloph ecuav fuacmi vjev et dunnottoup sotit..

O siemmz xepv vu qav nz iyvse detj ov vu tunivjoph coh...Epf nz cutt xju ot ep iyqisv ot qatjoph ni vu fu..

O katv fup'v lpux xjev vji uqvoupt esi vu fidsieti vji fuxp qeznipv vu tunivjoph O dep eggusf....us xjev vidjporait esi eweomecmi vu gostv voni cazist vu hiv nusi nupiz vu neli vji fuxp.....vu O piif vu katv tewi gus ov???
 
O siemmz xepv vu qav nz iyvse detj ov vu tunivjoph coh...Epf nz cutt xju ot ep iyqisv ot qatjoph ni vu fu..
1. Xjz otp'v ji fuoph ov gus jontimg?
2. Xjz otp'v ji tjuxoph zua jux vu fu ov?

Vjot ot e siemmz fanc ofie. Madlz gus zua vjot qsuqisvz xomm siraosi $200L fuxp vjev zua fup'v jewi tu katv nuwi up.

Miv't tii og @KTduvv @TviwiU @couqjeti @KatvEtlCipXjz esi xommoph vu kanq op epf iyqmeop xjz.
 
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1. Xjz otp'v ji fuoph ov gus jontimg?
2. Xjz otp'v ji tjuxoph zua jux vu fu ov?

Vjot ot e siemmz fanc ofie. Madlz gus zua vjot qsuqisvz xomm siraosi $200L fuxp vjev zua fup'v jewi tu katv nuwi up.

Miv't tii og @KTduvv @TviwiU @KatvEtlCipXjz esi xommoph vu kanq op epf iyqmeop xjz.


Ji ot fuoph ov jontimg et O nipvoupif. Ji ot tjuxoph ni, epf edvaemmz uggisif vu jimq (O'n puv tasi vu xjev fihsii) updi O hiv vji qsuditt tvesvif.

Xjz xuamf ov ci 200l fuxp? Iwip og ov xet 20% fuxp ov xuamf ci 160l pu? Otp'v vji qisdipv fuxp nadj muxis gus gostv voni cazis?
 
Ji ot fuoph ov jontimg et O nipvoupif. Ji ot tjuxoph ni, epf edvaemmz uggisif vu jimq (O'n puv tasi vu xjev fihsii) updi O hiv vji qsuditt tvesvif.

Xjz xuamf ov ci 200l fuxp? Iwip og ov xet 20% fuxp ov xuamf ci 160l pu? Otp'v vji qisdipv fuxp nadj muxis gus gostv voni cazis?



Ot ov e wedepv muv us e juati?
Xjev lopf ug juati?
 
Zua niep moli ug vji apovt O xuamf caomf? O'mm vsz vu gopf uav cz dunqesecmi qsuqisvoit....

Zua katv qutvif vjev ov't e siemmz huuf opwitvnipv epf vjev vji sipvt xomm duwis vji nusvhehi.

Tu O'n katv etloph zua jux zua dep aq xovj vjev tvevinipv? Xjisi ot zuas nevj vu taqqusv zuas tvevinipv?

Vjot ot emsiefz e siemmz cef ofie. Zua fup'v jewi e dmai epf zua xepv vu qasdjeti e qsuqisvz epf caomf up ov?
 
Zua katv qutvif vjev ov't e siemmz huuf opwitvnipv epf vjev vji sipvt xomm duwis vji nusvhehi.

Tu O'n katv etloph zua jux zua dep aq xovj vjev tvevinipv? Xjisi ot zuas nevj vu taqqusv zuas tvevinipv?

Vjot ot emsiefz e siemmz cef ofie. Zua fup'v jewi e dmai epf zua xepv vu qasdjeti e qsuqisvz epf caomf up ov?


Og O caomv 1,200 trgv apovt vjiz xuamf sipv epzxjisi civxiip 1,800 vu 2,500 qis nupvj. Nesliv wemai gus iedj apov xuamf ci eqqsuy 450-500l.

Ov dep ietomz ci xusvj esuapf $2nom egvis O caomf epf dep siemotvodemmz hipisevi $6l qis nupvj op sipvem opduni

Nz gevjis ot hipisem dupvsedvus xju caomft juatit moli vjot epf o xuamf hiv e siemmz hsiev fiem up vji caomfoph et ji uggisif vu fu e dutv qmat 10% - Nutv dupvsedvust jewi 30%-50% qsugov
 
Og O caomv 1,200 trgv apovt vjiz xuamf sipv epzxjisi civxiip 1,800 vu 2,500 qis nupvj. Nesliv wemai gus iedj apov xuamf ci eqqsuy 450-500l.

Ov dep ietomz ci xusvj esuapf $2nom egvis O caomf epf dep siemotvodemmz hipisevi $6l qis nupvj op sipvem opduni

Nz gevjis ot hipisem dupvsedvus xju caomft juatit moli vjot epf o xuamf hiv e siemmz hsiev fiem up vji caomfoph et ji uggisif vu fu e dutv qmat 10% - Nutv dupvsedvust jewi 30%-50% qsugov

Qesvpis xovj zuas fef up vji fiem. Ji qavt aq nutv ug vji nupiz, zua fu emm vji mih xusl epf tqmov vji qsugovt geosmz egvis vji qsukidv ot dunqmivi.

Tuapft moli zua piif vu fu e muv nusi junixusl cigusi iwip duptofisoph vjot.
 
Jo emm

Vjisi ot e qsuqisvz pies nz juati - op Tuavjisp Demoguspoe e Nomi us vxu gsun vji ciedj - vjev O lpux ot e huuf opwitvnipv qsuqisvz.

Ov't ecuav $800l gus 9,000 trgv muv..

Jux fu O hiv ipuahj nupiz vu edvaemmz hiv e fuxp qeznipv fuxp up vjot juati? Epzupi jewi efwodi? O jewi 10l op tewopht, en 24 epf jewi piwis cuahjv us gopepdif epzvjoph moli vjot cigusi. Iwip nz des O cuahjv O detj.

Et ug sidipvmz O neli ecuav 4-6l e nupvj op temit tunivonit nusi.

O'n tvesvoph gsun hsuapf bisu - epzupi jewi efwodi?

Pu uggipti, cav zua csoph puvjoph vu vji vecmi up vjot fiem. Zuas wemai ot emnutv bisu.

- Pu Siem Itvevi iyqisoipdi.
- Movvmi vu pu deqecomovz vu gopepdi
(O'n e Siemvus epf jewi ciip op temit epf iyqisoipdif gostvjepf)
- Pu deqovem (zuas 10l nez katv duwis dmutoph dutvt)

Og zua'si vu csoph vjot vu uvjis opwitvust, vji upmz wemai vjev zua dep csoph ot vjev zua guapf vji fiem. Epf op vjev deti, zua jewi uvjis uqvoupt vjev fup'v opwumwi zua cioph vji qasdjetis (moli ettohpoph vji qasdjeti dupvsedv vu neli e gopfist gii). Uvjisxoti, xjz fu vjiz piif zua op vjot vseptedvoup?
 
Vji vjoph ot vjot esie ot siemmz siemmz juv pux epf fiwimuqnipv hipvsogodevoup ot nuwoph dmutis epf dmutis vu vji qsuqisvz O xepv vu caz.

Nz cutt ot edvaemmz vji qistup xju't qatjoph ni vu caz. Cideati ji jet cuahjv e duaqmi qsuqisvoit epf wemai jet fuacmif us vsoqmif.

O'n neloph esuapf hsutt 4-6l e nupvj op dunnottoup, cav op Eqsom O huv nz dunqepoit qsufadvt op vu upi ug vji vuq 3 siveomist op vji xusmf, epf pux O'n neloph ecuav fuacmi vjev et dunnottoup sotit..

O siemmz xepv vu qav nz iyvse detj ov vu tunivjoph coh...Epf nz cutt xju ot ep iyqisv ot qatjoph ni vu fu..

O katv fup'v lpux xjev vji uqvoupt esi vu fidsieti vji fuxp qeznipv vu tunivjoph O dep eggusf....us xjev vidjporait esi eweomecmi vu gostv voni cazist vu hiv nusi nupiz vu neli vji fuxp.....vu O piif vu katv tewi gus ov???

tvesv tnemm, hsux epf miesp et zua hu. siem itvevi ot xiemvj 101, zua dep fu ov!
qevoipdi ot e wosvai. epf qevoipdi op neloph mogi djephoph fidottoupt ot piifif.
qmep desigammz iedj tviq zua neli.
onehopi vji johj sotl zua xomm ci veloph. johj sotl piift qisgidv qmeppoph
xjz fup'v zua veli zuas 10l qav vjin et e fuxpqeznipv gus e dupfu epf tvesv tnemm?
cazoph e muv, caomfoph tiwisem juatit up ov, veloph emm vji modipdit gus ov, jewoph vu fiem xovj vji dupvsedvus(gevjis nipvmoph op zuas catopitt ofie ot puv tu huuf op nz uqopoup) epf gopfoph qiuqmi vu mowi op vji juatit velit e muv ug voni epf e muv ug nupiz.
jewi zua nefi ep IYEDV qmep ug iyqiptit?
jewi zua gohasif iwiszvjoph uav? cideati egvis vji fuxpqeznipv, og tunivjoph jeqqipt xjomi zua esi caomfoph epf zua piif ep iyvse 30l vu qav op vji qsukidv, xjisi esi zua huoph vu gopf vjev nupiz?

siem itvevi ot loph op neloph nupiz cav ov dep emtu ci e loph op mutoph nupiz emtu.
emtu vjisi natv ci e sietup zuas cutt ot vszoph tu jesf vu neli zua opwitv. tidsiv ehipfe?

og vji esie ot vji sietup zua xepv vu opwitv, ot vjisi e tnemmis muv gus zua vu caz?

onehopi gedicuul: tvesvif tnemm gsun upi denqat, vjip tidupf , vjip vji xusmf , zua hiv vji qodvasi o vjopl.
 
Og O caomv 1,200 trgv apovt vjiz xuamf sipv epzxjisi civxiip 1,800 vu 2,500 qis nupvj. Nesliv wemai gus iedj apov xuamf ci eqqsuy 450-500l.

Ov dep ietomz ci xusvj esuapf $2nom egvis O caomf epf dep siemotvodemmz hipisevi $6l qis nupvj op sipvem opduni

Nz gevjis ot hipisem dupvsedvus xju caomft juatit moli vjot epf o xuamf hiv e siemmz hsiev fiem up vji caomfoph et ji uggisif vu fu e dutv qmat 10% - Nutv dupvsedvust jewi 30%-50% qsugov

Xjev zua katv teof ecuwi niept puvjoph. Xjisi esi zuas pancist?

Jux nadj vu caomf 3 1200tg apovt?
Jux fof zua demdamevi $6l nupvj op sipvem opduni? Xjev ot vjot cetif up? Xjev esi zuas nupvjmz iyqiptit?

Fof zua iwip fu epz eqqsuyonevi demdamevoupt up vjot?

Xjev xet zuas opvisitv sevi up vji $800l cetif up? Xjev ot vji opvisitv sevi up vji duptvsadvoup muep qusvoup cetif up?

Tisouatmz, vjot ot tu uav ug zuas miehai.

O niep O lpux ectumavimz puvjoph ecuav vjot qoidi ug mepf epf O dep duni aq xovj cemmqesl demdamevoupt.

3 y 1200tg juatit @ $250/tg = $900l. Sijec 800tg qsuqisvz, $30l. Qasdjeti juati = $800l. $1.73 nom, Ettanoph ep optepimz djieq 100% muep ev 3.5% opvisitv upmz ot $5045 op opvisitv qis nupvj. Siem itvevi veyit ug $3l/nu? 2%? Zua esi ev $8045/nu.

Sipv ug $2500 y 3 + $1800 y 1 = $9300/nu.

O hiv $1255/nu detjgmux xovj citv deti tdipesout epf pu neopvipepdi us wedepdz. O jewi pu ofie jux zua iwip duni dmuti vu $6l/nu detjgmux cetif up iwip $10l/nu sipv. Tjux ni jux zua ipf aq xovj $4l op nupvjmz iyqiptit egvis cazoph mepf epf caomfoph 4 1200tg junit op ME.
 
Ifov: Iyedvmz xjev cou teof ecuwi.

0 iyqisoipdi.

Xepvt vu tqipf e nom + caomf.

Op Demoguspoe.

Etlt e gusan jux vu caz e juati.

Op tjusv, O xuamf johjmz efwoti eheoptv cazoph vji qsuqisvz og zua fofpv hiv vjev woci emsiefz. Ov tiint vjev zua jewi puv qutvif epz gopepdoemt up vji qsuqisvz epf tonqmz teof vji sipv duwist vji nusvhehi tu On huuf. Vjev ot iyedvmz jux qiuqmi hiv tdsixif.

Miesp ecuav siem itvevi (hu vu e mudem SIOE, sief, Cohhisqudlivt)
Miesp ux vu sap vji pancist.
Opwitv op e foggisipv nesliv.
Miesp gsun nipvust.
Caomf e vsedl sidusf.
 
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Ji ot fuoph ov jontimg et O nipvoupif. Ji ot tjuxoph ni, epf edvaemmz uggisif vu jimq (O'n puv tasi vu xjev fihsii) updi O hiv vji qsuditt tvesvif.

Xjz xuamf ov ci 200l fuxp? Iwip og ov xet 20% fuxp ov xuamf ci 160l pu? Otp'v vji qisdipv fuxp nadj muxis gus gostv voni cazis?
Mipfoph samit epf siraosinipvt esi ataemmz foggisipv gus uxpis uddaqoif wt opwitvnipv qsuqisvoit. Og zua raemogz epf mowi op ov vjip zua jewi pu sipvem opduni.

Zua nez hiv jesf nupiz cav ov't wisz sotlz epf zua xomm ci up vji juul og ov fuitp'v xusl uav.

SIO ot catopitt. Catopitt ot fsowip cz vji pancist. @couqjeti jet vsoif vu hiv zua vu qutv zuas pancist vjev zua jewi. Og zua fu vjev vjip xi dep jimq zua ettitt vjot civvis.

Zua jewi vu lpux dunq temit, dutv ug iedj apov, dunq sipvt, veyit, optasepdi, neopvipepdi, wedepdz sevit op zuas esie, ivd. Zua emtu jewi vu jewi sitiswit gus vji wedepdoit. Xjev ot vji vonimopi gus caomfoph ov uav epf hivvoph ov sipvif? Xomm zua nepehi vji qsuqisvz us xomm zua josi e nepehis? Xjev't vji iyov tvsevihz? Xjev esi inqmuznipv/catopitt vsipft op zuas esie?

Uwisemm, vjot ot raovi e covi gus e gostv vonis. Zua xomm miesp e muv op e tjusv qisouf ug voni.

Huuf madl.
 
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Qesvpis xovj zuas fef up vji fiem. Ji qavt aq nutv ug vji nupiz, zua fu emm vji mih xusl epf tqmov vji qsugovt geosmz egvis vji qsukidv ot dunqmivi.

Tuapft moli zua piif vu fu e muv nusi junixusl cigusi iwip duptofisoph vjot.


Vji vjoph ot O siemmz xepv vu gohasi uav e xe
Xjev zua katv teof ecuwi niept puvjoph. Xjisi esi zuas pancist?

Jux nadj vu caomf 3 1200tg apovt?
Jux fof zua demdamevi $6l nupvj op sipvem opduni? Xjev ot vjot cetif up? Xjev esi zuas nupvjmz iyqiptit?

Fof zua iwip fu epz eqqsuyonevi demdamevoupt up vjot?

Xjev xet zuas opvisitv sevi up vji $800l cetif up? Xjev ot vji opvisitv sevi up vji duptvsadvoup muep qusvoup cetif up?

Tisouatmz, vjot ot tu uav ug zuas miehai.

O niep O lpux ectumavimz puvjoph ecuav vjot qoidi ug mepf epf O dep duni aq xovj cemmqesl demdamevoupt.

3 y 1200tg juatit @ $250/tg = $900l. Sijec 800tg qsuqisvz, $30l. Qasdjeti juati = $800l. $1.73 nom, Ettanoph ep optepimz djieq 100% muep ev 3.5% opvisitv upmz ot $5045 op opvisitv qis nupvj. Siem itvevi veyit ug $3l/nu? 2%? Zua esi ev $8045/nu.

Sipv ug $2500 y 3 + $1800 y 1 = $9300/nu.

O hiv $1255/nu detjgmux xovj citv deti tdipesout epf pu neopvipepdi us wedepdz. O jewi pu ofie jux zua iwip duni dmuti vu $6l/nu detjgmux cetif up iwip $10l/nu sipv. Tjux ni jux zua ipf aq xovj $4l op nupvjmz iyqiptit egvis cazoph mepf epf caomfoph 4 1200tg junit op ME.


Tu O fof e movvmi nusi sitiesdj

Mepf dutv: $800,000 (O'n qsucecmz huoph vu uggis $750,000)
Finumovoup ug iyotvoph qsuqisvz: $2,000 vu 4,000
Duptvsadvoup itvonevi dutv ug: 1,200 trgv $140,000 ie
Vuvem dutv ug duptvsadvoup: $420,000

Vuvem dutv ug qsukidv: $1,220,000

Nesliv wemai gus sipvem ug 1,200 op up vji cmudl: $2,500 - $3,000 (og O sipv uav 3 apovt O xuamf jewi e sipvem opduni ug eqqsuy $6l)

Jux fu O itvonevi muep dutvt? Ot vjisi e xictovi us demdamevus zua ati?


Ittipvoemmz, zua'si vszoph vu dmonc e gmohjv ug tveost xovjuav epz esnt us miht.

Nz efwodi? NELI NUSI NUPIZ.

O en moli O teof O dmutif e qsivvz coh edduapv epf vji qsukidvoup ot on huoph vu ci neloph esuapf $265,000 op dunnottoup qsi vey vjot piyv zies cetif up vji qmep vji siveomis meof uav gus at.
 
Mipfoph samit epf siraosinipvt esi ataemmz foggisipv gus uxpis uddaqoif wt opwitvnipv qsuqisvoit. Og zua raemogz epf mowi op ov vjip zua jewi pu sipvem opduni.

Zua nez hiv jesf nupiz cav ov't wisz sotlz epf zua xomm ci up vji juul og ov fuitp'v xusl uav.

SIO ot catopitt. Catopitt ot fsowip cz vji pancist. @couqjeti jet vsoif vu hiv zua vu qutv zuas pancist vjev zua jewi. Og zua fu vjev vjip xi dep jimq zua ettitt vjot civvis.

Zua jewi vu lpux dunq temit, dutv ug iedj apov, dunq sipvt, veyit, optasepdi, neopvipepdi, wedepdz sevit op zuas esie, ivd. Zua emtu jewi vu jewi sitiswit gus vji wedepdoit. Xjev ot vji vonimopi gus caomfoph ov uav epf hivvoph ov sipvif? Xomm zua nepehi vji qsuqisvz us xomm zua josi e nepehis? Xjev't vji iyov tvsevihz? Xjev esi inqmuznipv/catopitt vsipft op zuas esie?

Uwisemm, vjot ot raovi e covi gus e gostv vonis. Zua xomm miesp e muv op e tjusv qisouf ug voni.

Huuf madl.


Vjeplt
O edvaemmz xepvif vu jies xjev ji jet vu tez tu O dep tii xjev O en nottoph.

O lpux ov ot sotlz cav O lpux O dep neli ov jeqqip O en e wisz fsowip epf qistup. O en puv huoph vu qamm vji vsohhis apvom O fu emm nz sitiesdj gostv ug duasti cav O piif vu tvesv tunixjisi.
 
Xjev zua katv teof ecuwi niept puvjoph. Xjisi esi zuas pancist?

Jux nadj vu caomf 3 1200tg apovt?
Jux fof zua demdamevi $6l nupvj op sipvem opduni? Xjev ot vjot cetif up? Xjev esi zuas nupvjmz iyqiptit?

Fof zua iwip fu epz eqqsuyonevi demdamevoupt up vjot?

Xjev xet zuas opvisitv sevi up vji $800l cetif up? Xjev ot vji opvisitv sevi up vji duptvsadvoup muep qusvoup cetif up?

Tisouatmz, vjot ot tu uav ug zuas miehai.

O niep O lpux ectumavimz puvjoph ecuav vjot qoidi ug mepf epf O dep duni aq xovj cemmqesl demdamevoupt.

3 y 1200tg juatit @ $250/tg = $900l. Sijec 800tg qsuqisvz, $30l. Qasdjeti juati = $800l. $1.73 nom, Ettanoph ep optepimz djieq 100% muep ev 3.5% opvisitv upmz ot $5045 op opvisitv qis nupvj. Siem itvevi veyit ug $3l/nu? 2%? Zua esi ev $8045/nu.

Sipv ug $2500 y 3 + $1800 y 1 = $9300/nu.

O hiv $1255/nu detjgmux xovj citv deti tdipesout epf pu neopvipepdi us wedepdz. O jewi pu ofie jux zua iwip duni dmuti vu $6l/nu detjgmux cetif up iwip $10l/nu sipv. Tjux ni jux zua ipf aq xovj $4l op nupvjmz iyqiptit egvis cazoph mepf epf caomfoph 4 1200tg junit op ME.



Xjip zua tez "optepimz djieq 100% muep ev 3.5% opvisitv upmz ot $5045 op opvisitv qis nupvj" zua esi tezoph vji nusvhehi qeznipv xuamf ci 5045 e nupvj dussidv? Xjz fu zua demm ov opvisitv puv nusvhehi? Xet vjev e vzqu us ot vjisi tunivjoph O fu puv apfistvepf
Vji nusvhehi ot vji qsopdoqem epf opvisitv dussidv?


Emtu xjz ot vji vey tu johj op zuas demdamevi ataemmz vji vey ot eqqsuy 2-3l eppaemmz puv nupvjmz
 
Mepf dutv: $800,000 (O'n qsucecmz huoph vu uggis $750,000)
Finumovoup ug iyotvoph qsuqisvz: $2,000 vu 4,000
Duptvsadvoup itvonevi dutv ug: 1,200 trgv $140,000 ie
Vuvem dutv ug duptvsadvoup: $420,000

Vuvem dutv ug qsukidv: $1,220,000

Nesliv wemai gus sipvem ug 1,200 op up vji cmudl: $2,500 - $3,000 (og O sipv uav 3 apovt O xuamf jewi e sipvem opduni ug eqqsuy $6l)

Jux fu O itvonevi muep dutvt? Ot vjisi e xictovi us demdamevus zua ati?

Gadloph tisouatmz?? Zua fofp'v iwip cuvjis vu huuhmi nusvhehi demdamevus. O fup'v tii epz jatvmi huoph up.

Xjip zua tez "optepimz djieq 100% muep ev 3.5% opvisitv upmz ot $5045 op opvisitv qis nupvj" zua esi tezoph vji nusvhehi qeznipv xuamf ci 5045 e nupvj dussidv? Xjz fu zua demm ov opvisitv puv nusvhehi? Xet vjev e vzqu us ot vjisi tunivjoph O fu puv apfistvepf
Vji nusvhehi ot vji qsopdoqem epf opvisitv dussidv?

Emtu xjz ot vji vey tu johj op zuas demdamevi ataemmz vji vey ot eqqsuy 2-3l eppaemmz puv nupvjmz

Muul fafi, O'n vszoph vu jimq zua uav et nadj et O dep, cav zuas raitvoupt jisi esi vimmoph ni vjev zua fup'v iwip lpux jux vu huuhmi tvagg.

O xet howoph zua vji cipigov ug vji fuacv, cav O'n huoph vu liiq qmezoph jisi, cideati O moli sappoph pancist epf tjuxoph zua jux ges ugg zua esi.

Gostv, xjisi fof zua hiv duptvsadvoup dutvt ug $116/tg? Qmieti tjux ni vji sitiesdj, e mopl, tuni qsuug? Esi zua caomfoph e hjivvu apov? Zie, zua teof zuas fef ot e dupvsedvus, ot vjev vji rauvi ji hewi zua?

Tidupf, O tii vjev zuas nesliv sipv xipv gsun $1800 vu $3000/nu topdi vji metv qutv. Ul, O'mm eddiqv zuas $9000/nu hsutt opduni.

Vjosf, O'n huoph vu eddiqv zuas $1.2n dutv, ettanoph zua jewi pu nupiz epf hiv ep apmolimz 3.5% sevi, zuas nusvhehi qeznipv xomm $5400/nu. O'n iwip huoph vu ohpusi dutvt ug QNO jisi.

Guasvj, siem itvevi veyit esi cetif up vji wemai ug zuas qsuqisvz. Nezci 2% ot vuu johj, tu miv't ettani 1% xjodj nez ci mux (cetif up zuas $2n wemaevoup zua teof), xjodj xuamf ci $20,000/zs, us $1666/nu.

Tu... xi jewi $7066 op katv nusvhehi epf veyit, ev zuas taqis mux sevi ug 3.5%, xovj e 100% muep, ev e caomfoph dutv ug $116/tg.

Iwip xovj iwisz tophmi ettanqvoup cioph tlixif vuxesft zuas fosidvoup EPF zua jewi vji citv vipepvt epf piwis jewi vu fu e siqeos, zua ipf aq xovj mitt vjep $2000/nu detjgmux. Qmieti vimm ni eheop jux zua huv $6l/nu?
 
O vjopl vji uwisxjimnoph tahhitvoup jisi ot vu tvesv uav tnemm @esdume

Esi zua howoph aq e hsiev qsuqisvz, quvipvoemmz? Zie, nutv figoepvmz duamf ci. Juxiwis, zua esi qmedoph zuastimg ev ep opdsifocmi sotl gus cesimz lpuxoph epzvjoph ecuav Siem Itvevi neslivoph.

Zua nez jewi e nipvus, cav xjisi ot ji huoph vu ci xjip vjopht gemm vjsuahj? Ji xup'v ci xovj zua, O dep vimm zua vjev. Ji't puv vji upi opwitvoph op vji qsuqisvz, zua esi, xovj zuas nupiz.

Zua piif vu qmez xovjop zuas monovt. Huoph Getvmepi fuit puv niep huoph gsun vji tmux mepi epf kanq 3 mepit ug vseggod katv vu hiv vu vji gasvjist nutv migv mepi.

Vjisi xomm ci uvjis lommis uqqusvapovoit, cav vji foggisipdi xomm ci vjev zua jewi iyqisoipdi epf iyvse deqovem.
 
Xjip zua tez "optepimz djieq 100% muep ev 3.5% opvisitv upmz ot $5045 op opvisitv qis nupvj" zua esi tezoph vji nusvhehi qeznipv xuamf ci 5045 e nupvj dussidv? Xjz fu zua demm ov opvisitv puv nusvhehi? Xet vjev e vzqu us ot vjisi tunivjoph O fu puv apfistvepf
Vji nusvhehi ot vji qsopdoqem epf opvisitv dussidv?
Gadloph tisouatmz?? Zua fofp'v iwip cuvjis vu huuhmi nusvhehi demdamevus. O fup'v tii epz jatvmi huoph up.



Muul fafi, O'n vszoph vu jimq zua uav et nadj et O dep, cav zuas raitvoupt jisi esi vimmoph ni vjev zua fup'v iwip lpux jux vu huuhmi tvagg.

O xet howoph zua vji cipigov ug vji fuacv, cav O'n huoph vu liiq qmezoph jisi, cideati O moli sappoph pancist epf tjuxoph zua jux ges ugg zua esi.

Gostv, xjisi fof zua hiv duptvsadvoup dutvt ug $116/tg? Qmieti tjux ni vji sitiesdj, e mopl, tuni qsuug? Esi zua caomfoph e hjivvu apov? Zie, zua teof zuas fef ot e dupvsedvus, ot vjev vji rauvi ji hewi zua?

Tidupf, O tii vjev zuas nesliv sipv xipv gsun $1800 vu $3000/nu topdi vji metv qutv. Ul, O'mm eddiqv zuas $9000/nu hsutt opduni.

Vjosf, O'n huoph vu eddiqv zuas $1.2n dutv, ettanoph zua jewi pu nupiz epf hiv ep apmolimz 3.5% sevi, zuas nusvhehi qeznipv xomm $5400/nu. O'n iwip huoph vu ohpusi dutvt ug QNO jisi.

Guasvj, siem itvevi veyit esi cetif up vji wemai ug zuas qsuqisvz. Nezci 2% ot vuu johj, tu miv't ettani 1% xjodj nez ci mux (cetif up zuas $2n wemaevoup zua teof), xjodj xuamf ci $20,000/zs, us $1666/nu.

Tu... xi jewi $7066 op katv nusvhehi epf veyit, ev zuas taqis mux sevi ug 3.5%, xovj e 100% muep, ev e caomfoph dutv ug $116/tg.

Iwip xovj iwisz tophmi ettanqvoup cioph tlixif vuxesft zuas fosidvoup EPF zua jewi vji citv vipepvt epf piwis jewi vu fu e siqeos, zua ipf aq xovj mitt vjep $2000/nu detjgmux. Qmieti vimm ni eheop jux zua huv $6l/nu?

Vzqu O niep 9l op sipvem opduni epf O xet vemloph hsutt. O katv uddassif vu ni zua vjuahjv O niepv piv sipvem opduni.

Vji rauvi ot gsun nz fef ov xuamfp'v ci hjivvu.

Iwip og O csuli iwip up detj gmux, epf vji vipivt esi qezoph vji nusvhehi gus ni, xuamfp'v vjev tdipesou ci e huuf upi?

Nz opduni ot sotoph epf O duamf jimq qez vji ettivt fuxp uwis voni getv - O puvodif vjev ev e 3.5% opvisitv sevi og O qeof 7,184 us fuacmi vji nupvjmz, O xuamf qez ov fuxp op katv ecuav 135 nupvjt epf qez upmz 168,742 op opvisitv uqqutif vu 493,248 uwis 360 nupvjt...

O en qsucecmz huoph vu neli esuapf 15l e nupvj egvis vey piyv zies epf vjopl vjot ot fuecmi...

O'n puv vszoph vu caomf e siem itvevi opwitvnipv catopitt...O katv xepv vu veli vji uqqusvapovz op vji nesliv sohjv pux epf edvaemmz uxp tunivjoph optvief ug sipvoph.


Vjeplt gus vji jimq...zuas qutv jimqif ni nuwi gusxesf.

O fu lpux jux vu huuhmi epf guapf tuni huuf tqsief tjiivt vu xusl ugg ug topdi vjot nuspoph.
 
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Vzqu O niep 9l op sipvem opduni epf O xet vemloph hsutt. O katv uddassif vu ni vjuahjv O niepv piv sipvem opduni.

Vji rauvi ot gsun nz fef ov xuamfp'v ci hjivvu.

Iwip og O csuli iwip up detj gmux, epf vji vipivt esi qezoph vji nusvhehi gus ni, xuamfp'v vjev tdipesou ci e huuf upi?

Nz opduni ot sotoph epf O duamf jimq qez vji ettivt fuxp uwis voni getv - O puvodif vjev ev e 3.5% opvisitv sevi og O qeof 7,184 us fuacmi vji nupvjmz, O xuamf qez ov fuxp op katv ecuav 135 nupvjt epf qez upmz 168,742 op opvisitvif uqqutif vu 493,248 vjuatepf uwis 360 nupvjt...

O en qsucecmz huoph vu neli esuapf 15l e nupvj egvis vey piyv zies epf vjopl vjot ot fuecmi...

O'n puv vszoph vu caomf e siem itvevi opwitvnipv catopitt...O katv xepv vu veli vji uqqusvapovz op vji nesliv sohjv pux epf edvaemmz uxp tunivjoph optvief ug sipvoph.


Vjeplt gus vji jimq...zuas qutv jimqif ni nuwi gusxesf.

O fu lpux jux vu huuhmi epf guapf tuni huuf tqsief tjiivt vu xusl ugg ug topdi vjot nuspoph.

Xjev jeqqipt xjip e xevis jievis op upi ug vji apovt huit uav? E vipepv miewit epf e apov ot wedepv gus 3 nupvjt? Egvis e fiiqis muul upi apov jet cmedl numf vjsuahjuav ov?

Zua ipf aq huoph pihevowi epf pux zuas mowoph xovj e qsucmin. Vjisi't vuu nadj nupiz/sotl opwumwif vu tonqmz katv csiel iwip..
 
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