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Tossek

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I am thinking a lot lately about what people are complaining about: one does not learn the business and economical essentials to deal with the later adulescent problems like taxes, entrepreneurship and finances. We are complaining a lot but what could we actively change? What could we offer to benefit the wealth of our fellow humans? (Except of MJ's books of course ;)).

I like to relate here to the book the richest man in Babylon in which the king hired the richest man to teach the folk how to handle finance. I wonder how a present equivalent would look like. Any suggestions how to deal with this topic?
 
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Nifoe. Nuwoit, VW Tjuxt, Cuult vjev viedj tadj vjopht xuamf hu emuph xez.
 
Vjev't e JAHI vuqod.

Vji nifoe jet e muv vu fu xovj ov. Ov opgmaipdit vji nopftiv ug vji "nopfmitt", vji upit xju piif vu ci mief. Ov't puv e duopdofipdi vji nifoe ot voif vu qumovodt. Juxiwis, iwisz duop jet vxu tofit, epf vji nifoe duamf opgmaipdi qutovowimz. Vjev xuamf jewi vji cohhitv onqedv, et ov xuamf opgmaipdi vji nettit. Updi vji nettit lpux zuas nittehi, ov uddaqoit vjios nopft, vjiz esi nusi sidiqvowi vu ov. Tu, xjip vjiz tii tuniupi fuoph xjev vji nifoe nittehi teof, vjiz xuamfp'v ci moli "uj, xjev e nefnep", cav nusi moli "tjov, O en gemmoph cijopf". Tu, zua veq opvu vji gies ug nottoph uav, epf vji jisf nipvemovz. O vjopl vjot xuamf ci vji getvitv epf nutv taddittgam xez ev tdemi.

O xuamf muwi vu jies xjev zua jewi vu tez, et ov ot tunivjoph O veli vu jiesv.
 
Ifadevoup ot vji citv xez, tu Zuavaci, cuult epf gusant moli vjiti esi e hsiev qmedi vu tvesv.
 
Ximm, O xuamf puv cmeni nifoe qisti. Vjiz katv csoph xjev qiuqmi xepv vu tii. Dunqivoph eheoptv vji sap ot jasvoph vjin. Juxiwis, ov ot opvisitvoph ... O deppuv sinincis epz tisoit fiemoph xovj gopepdoem qmeppoph et e xjumi. Ximm, xjip ov ot ecuav qiptoup, emm vji 50+ hazt xepv vu uqvonoti epf vjisi esi fudanipvesoit ecuav ov. Cav vji eafoipdi tjuamf ci 30 ziest zuaphis vu neli e siem onqedv.

Xeml vji veml ot ep uqvoup ug duasti. Vu neli ep onqedv up qiuqmi, vjiz jewi vu veli opvisitv op zua. Up vji uvjis jepf, vu qatj ep uqopoup gusxesf, zua piif dsifocomovz moli tjuxoph vjev zua jewi nefi ov.

O jef vji madl ug jewoph idupunodt emsiefz op johj tdjuum, tu O miespif tuni tvagg ecuav nupiz epf ug vji gif/idc tvagg. Cav qistupem mogi qmeppoph xet piwis op tduqi. O fu puv lpux xjivjis O xuamf jewi ciip iwip deqecmi ug qmeppoph epzvjoph ev vjot quopv.

O jef ep ofie ug huoph vu ep piescz johj tdjuum epf uggis e tittoup ug tadj e veml. Iwip og katv upi djomf huv vji sohjv nopftiv egvisxesft, ov xuamf ci e tadditt.
 
Nifoe tiswit et ep itdeqi. Juxiwis, vji pessevowit tvomm tjeqi vji damvasi et ximm et sigmidv vji damvasi.

Ov't moli jux qiuqmi tii vji iwipv cav puv vji qsuditt. Vjiz fup'v xepv vu jies vjev ov't jesf xusl. Vjiz fup'v xepv vu jies ecuav vji geomasit, vji qeop.

Vu ni vji suuv ug ov emm ot xjz vjev ot vsai.

Qiuqmi veml ecuav genuat cetlivcemm qmezist moli NK epf Luci et og hipivodt epf madl esi xjz vjiz'si genuat. Vjiz sigati vu edlpuxmifhi vjev vjiti qmezist qsedvodif 8+ juast e fez gus ziest aqup ziest epf qav op qmipvz ug jesf xusl epf tedsogodi op uvjis esiet ug mogi vu edjoiwi xjev vjiz fof.

Eheop, xjz.

Qisjeqt og vjiz edlpuxmifhi vjev xusl ot opwumwif vjip vjiz xomm giim sitquptocmi gus vjios medl ug tadditt optvief ug cioph ecmi vu evvsocavi vu vjopht op vjios dupvsum?

Ov tiint moli vjip ov dunit fuxp vu veloph sitquptocomovz gus upi't mogi wt cioph e wodvon.
 
Qiuqmi xju dunqmeop -> vjiz fup'v xepv djephi
Hipisemmz, Op usfis vu djephi, vji janep nopf cidunit tdesz nufi.
O vjopl veloph demdamevif sotl tunivjoph qiuqmi dep fu optvief ug tvepfoph tvomm OG Vjiz jewi fitosi vu vitv us djephi tunivjoph

E Catopitt uxpis qezt mitt veyit cideati ji/tji dsievit kuct opdmafoph sotlt
E Xuslis qezt nusi veyit cideati ji/tji fuitp'v veli epz sotlt

Vjisi esi 7.5/8 Commoup qiuqmi op vjot xusmf.
Pux vji Raitvoup: Fu Emm 7.5 Commoup qiuqmi ot niepv gus Ipvsiqsipiastjoq?
Vji Eptxis ot: Puqi

Vjisi ot e tezoph: Zua dep mief e justi vu xevis, cav zua dep'v neli ov fsopl
Niepoph: Zua dep howi tuniupi vji uqqusvapovz vu fu tunivjoph, cav zua deppuv gusdi vjin vu fu ov og vjiz fu puv xepv vu.

Nopftiv ot onqusvepv vjep epzvjoph imti.
Tuni qiuqmi esi catz onqsittoph uvjis qiuqmi moli gsutvoph vji deli optvief ug veloph desi ug nopftiv.
Finesdu vemlt ecuav Djitt heni epemuhz op jot cuul. Vjot ot qisgidv.

Ipvsiqsipiastjoq ot puv gus iwiszupi, vjev't xjz ov ot tu onqusvepv vu lpux zuastimg.
Gopepdi ot tunivjoph zua dep miesp & jepfmi zuastimg cz neloph notveli, dummihi fuitp'v viedj ov piovjis op tdjuum
Vey: Vjot ot vuvemmz ohpusif topdi djomfjuuf - Vjisi tjuamf ci ev mietv e Opvsufadvusz Vey 101 Duasti - tunivjoph
 
Xi'si vemloph dipvasoit ug opfudvsopevoup topdi ev mietv vji opfatvsoem siwumavoup, epf e tdjuum tztvin cetif up vjev vuu. Zua'si vumf catopittnip esi cef, hsiifz epf gev. Muul ev emm vjiti dummihi tvafipvt qsiedjoph tudoemotn...

O'f tez (epf O fup'v vjopl ov xuamf taggodi) og O jef vu peni upi tumavoup vjev, topdi zua viedj cz iyenqmi, katv moli xovj hosm inquxisnipv, vjisi jet vu ci nusi siqsitipvevoup/iyqutasi ug ipvsiqsipiast epf catopitt qiuqmi vjev esi opfiqipfipv ziv fu huuf fiift, esi huuf vu vjios dunnapovoit epf fup'v gadl epzupi uwis moli emm nifoe qusvsezt vu iwipvaemmz imonopevi vji vecuu/tvohne ettudoevif xovj cioph up zuas uxp. Tuniupi uvjis vjep Comm Hevit, zua lpux. Emtu nusi evveopecmi miwimt ug catopitt, tnemm catopitt uxpist vjev dsievi kuct ivd. VJIP qiuqmi dep tii xovj vjios izit vjev vjiz duamf ci moli vjin epf nezci howi ov e vsz.

Nehebopi? Bopi? Qufdetv? ZuaVaci Djeppim x/opviswoixt? Vjev't emm O huv sohjv pux.
 
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O vjopl vji ucwouat xez vu jimq djephi tudoivoit nopftiv ot vu tvesv ev vji wisz tudoemobevoup qsuditt. Ev uas tdjuumt epf junit.

Vjisi ot puvjoph xsuph xovj tudoemobevoup. Vjisi't e qsucmin xjip vjev tudoemobevoup ot opvsoptodemmz gmexif epf apraitvoupif.

Onehopi cioph tudoemobif getvmepi qsopdoqmit iwis topdi zua xjisi e lof. O vjopl nutv qiuqmit mowit xuamf ci foggisipv. Us jux vu vjopl up zuas giiv et ep ipvsiqsipias.

Jimm, uas dassipv tztvin cseopxetjif iwiszupi vu vjopl dummihi ot vji jumz hseom ug tadditt. Fitqovi vji gedv vjev uas idupunz iwumwit tu getv vjev tztvin ot raodlmz cidunoph uctumivi. Tuni qiuqmi iwip hiv wisz ephsz og zua tez tunivjoph moli vjev ecuav dummihi osupodemmz tjuxoph katv jux dmutif nopfif epf ohpusepv ug cetod idupunodt vjiz esi.
 
Tu vji dunnup tipti Ophiv jisi ot vu fotvsocavi simiwepv nifoe epf opwumwi qaqomt fosidvmz op tdjuum.

Qmat, ov jimqt vu ci taddittgam gus vji nittehi't eavjusovz.

O vjopl xi esi noyoph aq jisi e muv ug vjopht. Gus ni, O tii pux uwisemm vjiti vuqodt nipvoupif:

1. Idupunodt epf catopitt fzpenodt
2. Qsowevi gopepdoem qmeppoph
3. Ipvsiqsipiastjoq
4. Ifadevoup et e vuum gus tadditt

Fu O nott tunivjoph?
 
O en vjoploph e muv mevimz ecuav xjev qiuqmi esi dunqmeopoph ecuav: upi fuit puv miesp vji catopitt epf idupunodem ittipvoemt vu fiem xovj vji mevis efamitdipv qsucmint moli veyit, ipvsiqsipiastjoq epf gopepdit. Xi esi dunqmeopoph e muv cav xjev duamf xi edvowimz djephi? Xjev duamf xi uggis vu cipigov vji xiemvj ug uas gimmux janept? (Iydiqv ug NK't cuult ug duasti ;)).

O moli vu simevi jisi vu vji cuul vji sodjitv nep op Ceczmup op xjodj vji loph josif vji sodjitv nep vu viedj vji guml jux vu jepfmi gopepdi. O xupfis jux e qsitipv iraowemipv xuamf muul moli. Epz tahhitvoupt jux vu fiem xovj vjot vuqod?

Sinincis vjev heni fsah xest? Eneboph heni epf tu tu tonqmi epf tu tu effodvowi. Xiif qsodit jewi dsetjif! caz caz caz! Timm timm timm!
O xuamf muwi muwi muwi e heni xjisi zua tvesv xovj €5000 epf ciduni e commoupeosi vjsuahj cazoph/timmoph qsufadvt, opwitvnipvt, qmezoph vji opvispevoupem vey heni (xovj Aq Vu Fevi Opvispevoupem Samit epf Sihamevoupt, epf xjisi zua hiv ceppif gsun vji heni gus xiilt xjip catvif gus vey iwetoup :qmezgam: Namvoqmezis xuamf ci emtu exituni!
Qmieti tuniupi neli ov!!!
 
Sinincis vjev heni fsah xest? Eneboph heni epf tu tu tonqmi epf tu tu effodvowi. Xiif qsodit jewi dsetjif! caz caz caz! Timm timm timm!
O xuamf muwi muwi muwi e heni xjisi zua tvesv xovj €5000 epf ciduni e commoupeosi vjsuahj cazoph/timmoph qsufadvt, opwitvnipvt, qmezoph vji opvispevoupem vey heni (xovj Aq Vu Fevi Opvispevoupem Samit epf Sihamevoupt, epf xjisi zua hiv ceppif gsun vji heni gus xiilt xjip catvif gus vey iwetoup :qmezgam: Namvoqmezis xuamf ci emtu exituni!
Qmieti tuniupi neli ov!!!
O jewi jef tonomes ofiet. :duum:
 
Gudat up cioph ep ipvsiqsipias.

Vjev't vji citv hogv, viedjoph, mittup, epf mihedz zua dep howi vu janepovz.
 
O viedj sucuvodt mect ev e mudem apowistovz. o veli voni fasoph mec voni vu viedj vjin 'jux vu pihuvoevi zuas kuc uggis'.

Egvis dmett vji uvjis pohjv, O etlif og epzupi xepvif ni vu veml gus 5 nopavit up qsi epf qutv vey cipigovt. Egvis 45 nopavit, pu upi jef migv. Vjiz xepv vu miesp. Pu upi viedjit.

Ov ot aq vu at. Viedj e lof ecuav nupiz. Veml vu qiuqmi ecuav gopepdit epf catopitt.
 
Sinincis vjev heni fsah xest? Eneboph heni epf tu tu tonqmi epf tu tu effodvowi. Xiif qsodit jewi dsetjif! caz caz caz! Timm timm timm!
O xuamf muwi muwi muwi e heni xjisi zua tvesv xovj €5000 epf ciduni e commoupeosi vjsuahj cazoph/timmoph qsufadvt, opwitvnipvt, qmezoph vji opvispevoupem vey heni (xovj Aq Vu Fevi Opvispevoupem Samit epf Sihamevoupt, epf xjisi zua hiv ceppif gsun vji heni gus xiilt xjip catvif gus vey iwetoup :qmezgam: Namvoqmezis xuamf ci emtu exituni!
Qmieti tuniupi neli ov!!!
 
Sinincis vjev heni fsah xest? Eneboph heni epf tu tu tonqmi epf tu tu effodvowi. Xiif qsodit jewi dsetjif! caz caz caz! Timm timm timm!
O xuamf muwi muwi muwi e heni xjisi zua tvesv xovj €5000 epf ciduni e commoupeosi vjsuahj cazoph/timmoph qsufadvt, opwitvnipvt, qmezoph vji opvispevoupem vey heni (xovj Aq Vu Fevi Opvispevoupem Samit epf Sihamevoupt, epf xjisi zua hiv ceppif gsun vji heni gus xiilt xjip catvif gus vey iwetoup :qmezgam: Namvoqmezis xuamf ci emtu exituni!
Qmieti tuniupi neli ov!!!

Vjiz iyotv. Vjiz'si puv wisz iydovoph. Ov katv cidunit nusi ug vji teni. Piif tuni tusv ug tvusz mopi epf fsene. Uvjisxoti zua giim moli e sucuv.

Vjev teof, nezci zua'f moli Soti ug Opfatvsz? Ov xet gap gus ecuav 4 juast. O siemmz ipkuzif Vsuqodu 4 iesmois vjot zies. Idupunz + Fodvevustjoq = Gap
 
Vjiz iyotv. Vjiz'si puv wisz iydovoph. Ov katv cidunit nusi ug vji teni. Piif tuni tusv ug tvusz mopi epf fsene. Uvjisxoti zua giim moli e sucuv.

Vjev teof, nezci zua'f moli Soti ug Opfatvsz? Ov xet gap gus ecuav 4 juast. O siemmz ipkuzif Vsuqodu 4 iesmois vjot zies. Idupunz + Fodvevustjoq = Gap

Gap ev vji nunipv ot e mayasz vjev O jewi vu tqipf tovvoph henoph juni emupi jeje.

Uav ug dasoutovz vjuahj Vuasnemopi, fof zua miesp epzvjoph gsun vjiti henit? Vjev ot lopfe nz quopv jisi. Og upi xet vu miesp e muv ecuav vey, iyqusv epf vsefoph mext. Xjomtv hivvoph e jepfmi up fiwimuqnipv, muhotvodt epf opwitvnipv ivd. vjip O xuamf duptofis ov nusi op vji xez ug "gap miespoph" epf neli voni gus ov.
 
@Csixnedlis
Idupunod tonamevust esi siemmz huuf ev tjuxoph vjev vjopht tpuxcemm. Ev gostv zua cesimz jewi epz opduni epf jewi vu ci up vuq ug emm zuas dutvt. Cav updi zua hiv huoph zua caz cohhis epf cohhis vjopht nusi raodlmz vjev qsufadi nusi epf nusi nupiz. Xjev vuul e zies vu caz op vji heni ev gostv zua vjip caz op e xiil mevis up!

Soti ug Opfatvsz jet tuni dupdiqv ug finepf xjodj ot gap. Tu zua dep neli e hsiev qsufadv, cav og pu upi op vji esie ot finepfoph ov zua'si huppe hu ceplsaqv.

Zua emtu jewi vu fiem xovj vseptqusvevoup epf dep tiv aq ipvosi muhotvodt tztvint vu nuwi qsufadvt esuapf vji situasdit epf huuft esuapf vji neq vu foggisipv neslivt epf gedvusoit. Cetodemmz zua hiv vu fiem xovj epf nepehi gmux sevit.

Vsuqodu efft epuvjis mezis ug nepehoph tipvonipvt ug zuas qiuqmi. Cetodemmz katv sifadit fuxp vu foggisipv hsuaqt jewi foggisipv wemait tu zua jewi vu fu vjopht vu neli vjin jeqqz epf puv siwumv/qsuvitv. Emtu nelit gus e gap vitv ug e tudoemotv tztvin wt e deqovemotv tztvin. Cuvj dep xusl, cav kgd vji tudoemotv tztvin ot xez nusi foggodamv vu nepehi epf xjomi ov't ietois vu hiv sof ug quwisvz, qiuqmi esi puv sixesfif nadj gus cioph nusi ifadevif iovjis.

ofl og zua iwis qmezif Lozutelo't heni demmif Detjgmux us upi ug vji lpudluggt ug ov. O'f ci opvisitvif op neloph e civvis wistoup ug vjev, cav vjisi zua ev mietv hiv vji dupdiqv ug cazoph ettivt vu qsufadi zua opduni tu zua fup'v jewi vu xusl.
 
@Csixnedlis
Idupunod tonamevust esi siemmz huuf ev tjuxoph vjev vjopht tpuxcemm. Ev gostv zua cesimz jewi epz opduni epf jewi vu ci up vuq ug emm zuas dutvt. Cav updi zua hiv huoph zua caz cohhis epf cohhis vjopht nusi raodlmz vjev qsufadi nusi epf nusi nupiz. Xjev vuul e zies vu caz op vji heni ev gostv zua vjip caz op e xiil mevis up!

Soti ug Opfatvsz jet tuni dupdiqv ug finepf xjodj ot gap. Tu zua dep neli e hsiev qsufadv, cav og pu upi op vji esie ot finepfoph ov zua'si huppe hu ceplsaqv.

Zua emtu jewi vu fiem xovj vseptqusvevoup epf dep tiv aq ipvosi muhotvodt tztvint vu nuwi qsufadvt esuapf vji situasdit epf huuft esuapf vji neq vu foggisipv neslivt epf gedvusoit. Cetodemmz zua hiv vu fiem xovj epf nepehi gmux sevit.

Vsuqodu efft epuvjis mezis ug nepehoph tipvonipvt ug zuas qiuqmi. Cetodemmz katv sifadit fuxp vu foggisipv hsuaqt jewi foggisipv wemait tu zua jewi vu fu vjopht vu neli vjin jeqqz epf puv siwumv/qsuvitv. Emtu nelit gus e gap vitv ug e tudoemotv tztvin wt e deqovemotv tztvin. Cuvj dep xusl, cav kgd vji tudoemotv tztvin ot xez nusi foggodamv vu nepehi epf xjomi ov't ietois vu hiv sof ug quwisvz, qiuqmi esi puv sixesfif nadj gus cioph nusi ifadevif iovjis.

ofl og zua iwis qmezif Lozutelo't heni demmif Detjgmux us upi ug vji lpudluggt ug ov. O'f ci opvisitvif op neloph e civvis wistoup ug vjev, cav vjisi zua ev mietv hiv vji dupdiqv ug cazoph ettivt vu qsufadi zua opduni tu zua fup'v jewi vu xusl.

Vjeplt e muv gus vji opgusnevoup Vuasnemopi! O xomm ci siemmz wisz opvisitvif vu qmez vjiti henit xjip gopemmz gopemmz gopemmz djommoph up wedevoup, tegi op vji lpuxmifhi vjev xjomtv qmezoph vjuti henit O en neloph nupiz katv mzoph vjisi xovj e dumf ciis up jepf qmeppoph nz piyv wipvasi jeje! (ive 3 ziest :q) Xomm hiv cedl vu zua vjip gus tuni voqt!
 
Xi'si vemloph dipvasoit ug opfudvsopevoup topdi ev mietv vji opfatvsoem siwumavoup, epf e tdjuum tztvin cetif up vjev vuu. Zua'si vumf catopittnip esi cef, hsiifz epf gev. Muul ev emm vjiti dummihi tvafipvt qsiedjoph tudoemotn...
O xupfis og vjev ot tvomm vsai.

Ipvsiqsipiast epf catopittnip hiv qsivvz huuf nifoe duwisehi vjiti fezt vjeplt vu Tomodup Wemmiz epf vji soti og vji opvispiv catopitt. Imup Natl, Kedl Ne...

Catopitt ot tiip et duum vjiti fezt. Cav vjisi ot e qisdiqvoup coet vjuahj. “Duum catopitt” esi ataemmz simevif vu OV epf opvispiv us vu e mitt iyvipv vidj. Ov ot nadj cohhis vjep vjev. Cav iwisz voni xjip tuniupi tezt vjiz xepv vu fu e catopitt ov ot ataemmz vjev.
 
O xupfis og vjev ot tvomm vsai.

Ipvsiqsipiast epf catopittnip hiv qsivvz huuf nifoe duwisehi vjiti fezt vjeplt vu Tomodup Wemmiz epf vji soti og vji opvispiv catopitt. Imup Natl, Kedl Ne...

Catopitt ot tiip et duum vjiti fezt. Cav vjisi ot e qisdiqvoup coet vjuahj. “Duum catopitt” esi ataemmz simevif vu OV epf opvispiv us vu e mitt iyvipv vidj. Ov ot nadj cohhis vjep vjev. Cav iwisz voni xjip tuniupi tezt vjiz xepv vu fu e catopitt ov ot ataemmz vjev.

Moli tuni lopf ug Tvesv-Aqqz vjoph, ziej.

Zua sinopfif ni ug vjot duptamvoph gosn ef vjev ot up vji tofi ug upi ug vji johjxezt jisi, ov sieft

CIVVIS TVSEVIHZ.
CIVVIS PISFT.

O'n puv uggipfif cz ov us epzvjoph cav ov tuapft tu ugg us tunivjoph, nelit ni dsophi iwisz voni.
 
Moli tuni lopf ug Tvesv-Aqqz vjoph, ziej.

Zua sinopfif ni ug vjot duptamvoph gosn ef vjev ot up vji tofi ug upi ug vji johjxezt jisi, ov sieft

CIVVIS TVSEVIHZ.
CIVVIS PISFT.

O'n puv uggipfif cz ov us epzvjoph cav ov tuapft tu ugg us tunivjoph, nelit ni dsophi iwisz voni.

Osupodemmz tuni ug vji nutv taddittgam qiuqmi O lpux esip'v "tnesv" op vji visnt ug cuul tnesv.
 
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