i found this mj would be so proud

[Tanisha]

so i was watching this

View: https://www.youtube.com/watch?v=wgX4hQFStbE


after the video i scrolled down thru the comments this comment was literally number 1, by c. lincoln, Slow lane advice. Go to school, get a job, save and invest for 40 years. fast lane advice. Start a business, scale it up, sell it for a few millions after 5+ years, invest the proceeds into stock and live off the dividends for generations.

then i went down a bit farther in the comment section oh never mind its by the same person c, lincoln and he said You are right my man. You should read MJ DeMarco's book; then gives a link to this amazing review of the millionaire fastlane https://booknotes.quora.com/Notes-on-Millionaire-Fastlane-by-DeMarco

which i'll post here for your convenience,

Notes on Millionaire Fastlane by DeMarco
Leo Polovets

Despite its incredibly cheesy title, The Millionaire Fastlane is awesome. It’s a book that everyone should read. It offers a very compelling alternative to the "Get Rich Slowly" philosophy.

Here are some detailed notes and highlights from the book:

• Observation #1: If you want to keep getting what you’ve been getting, keep doing what you’ve been doing. Corollary: If you’re not getting wealthy, then STOP doing what you’ve been doing.
• Observation #2: People who drive Lamborghinis and jetset around the world did not get there because they “Got Rich Slowly” by investing in mutual funds, clipping coupons, and maxing out their 401Ks. Those techniques are not an effective road to wealth.
• The “Get Rich Slowly” approach is faulty because it takes a lifetime of work, it’s dependent on getting lucky with your investments, and even if you do get rich, you’ll be too old to enjoy it.
• Except for very few people (i.e. lottery winners), wealth is not an event but a process. People focus on events like selling their company or winning a big contract, but the real story is not the events but the processes and hard work that made those events more likely. If you skip the process, you won’t get the events.
• People come up with all kinds of reasons for why they “deserve” to be wealthy: they come from a prestigious background, they have a great business plan, they think positively, they are “doing what they love”, and so on. None of that stuff matters. Becoming wealthy is not about having the right prerequisites; it’s about taking smart risks, putting in the hours, and not quitting.
• There are three financial roads:
  • The Sidewalk — living well today at the expense of having more security tomorrow. The Sidewalk’s destination is being poor.
  • The Slowlane — sacrificing today so that you can be better off in the future (the opposite of the Sidewalk). The Slowlane’s destination is mediocrity.
  • The Fastlane — working hard today on something that people value so that you can become wealthy in the next 5-10 years.

• Sidewalkers: view debt as an asset which enables them to buy more stuff, value spending over saving, and live a life of instant gratification. Sidewalkers don’t plan for the long term and blame external factors (taxes, “bad fortune”, etc.) for their situations. Because the Sidewalk is all about the short term, it doesn’t work well in the long term, and you end up mortgaging a stable future for a pleasant present. The sidewalk is a precarious place to be because external events like job cuts, recessions, interest rate hikes, etc. can be devastating for someone who lives paycheck-to-paycheck and doesn’t plan ahead. Note that being a Sidewalker doesn’t mean you are poor. Plenty of rich people like athletes and lawyers make a lot of money and then immediately spend it. This means that making more money will not help a Sidewalker because their philosophy urges them to spend whatever they make.
• Being wealthy is not about money, fancy cars, expensive vacations, or vacation homes in Fiji. Being wealthy means being healthy, being surrounded by great friends and family, and the freedom to live life how you want to live it. DeMarco calls these the 3 Fs (family, fitness, freedom).
• Faux wealth is the illusion of wealth. It’s having nice, flashy things that you can’t afford which take away your freedom and make you even more dependent on your existing sources of income.
• If you think you can afford it, you can’t. When you buy something cheap, like a candy bar or a pair of $10 sandals, you never ask “can I afford this?” or “how can I make this purchase work?”. If you are trying to justify a large purchase to yourself, then you can’t really afford it.
• Wealth, like fitness, requires hard work, discipline, and delayed gratification.
• A good process creates events that others view as luck. People see how you’re lucky to go to the school you went to, lucky to find success with the product you launched, and lucky to sell your company; they rarely realize all of the work and sacrifices that went in to get lucky. Thinking that people get rich because they are lucky is a very disempowering belief.
• Sidewalkers tend to pursue wealth events (lotteries, casinos, etc.) instead of processes. They assign control of their financial future to others (banks, employers, etc.), which greatly increases the chances of becoming victims and having poor results.

• The Slowlane is a poor choice because wealth is best enjoyed when you’re young, and not after decades of soul-sucking work. Furthermore, there are many factors outside of your control (like how your 401K does or whether your house price will appreciate), and it’s possible that after all of your sacrificing and patience, you still won’t end up wealthy. Plenty of people lost 50% or more of their savings during the recent housing and financial crises.
• Slowlaners: give up their time for money (spending an extra 2 hours on something is “worth it” if it saves $10), budget aggressively and look for deals and coupons, and believe that compound interest will make them rich. Some of these strategies are fine (it’s not bad to look for deals or to have a budget), but the problem lies in these strategies being the entireplan instead of being part of a bigger plan. Slowlaners sell their Monday thru Friday so that they can enjoy Saturday and Sunday — both literally and figuratively. People wouldn’t trade $5 for $2, so why would trading 5 weekdays for 2 weekend days make any more sense?
• “By working faithfully eight hours a day you may eventually get to be boss and work twelve hours a day” — Robert Frost
• In general, jobs suck because you have limited leverage (being 50% more productive will not get you a 50% raise) and limited control (what if you’re fired? What if your company is doing poorly and forces you to take a pay cut? etc.) General problems with jobs: you’re selling your time (and your life) for money, the experience you accumulate is limited (you’d learn much more running your own business for a month than working for someone else for a year), you’re subject to the whims of your boss/employer, you have to deal with office politics, and you have almost no control over your income.
• The problem with the Slowlane is Uncontrollable Limited Leverage. This means you don’t have a lot of control over your income and you don’t have opportunities for huge wealth accumulation. When you have a job, the measure of your value is time. If you want to do 20% more, you have to work 20% more, but the problem is that there are only so many hours in one day. You can double your work hours and be miserable, but you cannot 10x your work hours. On the other hand, if you have your own business, growing revenues 10x is certainly possible. Basically, time has no leverage.
• Another problem with the Slowlane is that compound interest does most of its work at the end of your waiting period. When you see charts that show that investing $10k will yield $2.5 million in 40 years, that seems great. What is less obvious is that your investment is $600k in 30 years and $160k in 20 years — almost all of the wealth is accumulated in the final decade. Having an extra $2.5 million in 40 years is not nearly as nice as having it now, but it’s also much worse than having an extra $50k/year for the next 40 years. To top it all off, what if the stock market doesn’t grow as much in the future as it has in the past? What if you have a heart attack in 30 years? What if inflation makes your $2.5 million feel like $200k?
• A survey by the Harrison Group found that 10% of those with a net worth of >$5 million got there through passive investing. Age data wasn’t provided, but it’s obvious that these penta-millionaires are not young.
• Quote from the book: “Think about it. Have you ever met a college student who got rich investing in mutual funds or his employer’s 401(k)? How about the guy who bought municipal bonds in 2006 and retired in 2009? I wonder if that guy driving a $1.2-million car can because of his well-balanced portfolio of mutual funds? These people don’t exist because the youthful rich are not leveraging 8% returns but 800%.”
• The Slowlane is filled with hope: hope that your stocks go up, that you get a promotion, that your employer stays in business, and so on. Hope is not a good plan. If you don’t control the variables in your plan, then you can’t control the outcome.
• Slowlaners believe education is the way to raise value. You only have 10 hours per day to work, so if getting a degree or certificate or whatever raises your hourly rate then you’ll be making more money. The problem is education is expensive in terms of time and money. Becoming a doctor will get you a $200k salary, but it will also take 10 years (leaving you fewer years to work) and saddles you with a lot of student debt. Furthermore, you become an indentured servant to your loans, which means that even if you decide you no longer want to be a lawyer/doctor/etc., you’re kind of stuck because you have big bills to pay.
• Watch out for the advice of “Financial Gurus”. They rarely get rich following the advice they give out — they get rich by writing books and giving seminars and the like. When you take financial advice from people, make sure that what they are teaching you is what actually worked for them.
• Dangers of the Slowlane:
  • What if you lose your health by the time you’re ready to retire?
  • What if you lose your job, hit a ceiling on the corporate ladder, work in a dying industry, etc?
  • What if your home value plummets instead of rising like you planned?
  • What if you’re not happy living a frugal/basic lifestyle?
  • What if the economy hits a recession? The stock market sometimes loses half its value over a few years — what if that happens right before you planned on retiring?
  • What if you get too frustrated with frugality and go on a spending spree (i.e. become a Sidewalker)?

• The way to build wealth quickly is to dramatically grow your income while controlling your expenses. E.g. your income triples while your expenses go up 10%.
• Differences between Slowlane and Fastlane millionaires:
  • Slowlaners take several decades to accumulate their fortunes; Fastlaners usually take 10 years or less.
  • Slowlaners need to live in middle-class homes; Fastlaners can live in mansions.
  • Slowlaners let the market control their assets; Fastlaners control their own assets and have the power to change their value.
  • Slowlaners are employees; Fastlaners are employers.
  • Slowlaners user mutual funds and stocks to get rich; Fastlaners use them to stay rich.
  • Slowlaners let others control their income streams; Fastlaners control their own income streams.
  • Slowlaners use their house as part of their net worth; Fastlaners use their house for residency.
• The Fastlane is all about Controllable Unlimited Leverage. You want maximum control over your success and you want your success to be scalable (so that you can get a 100% return or a 1000% return, not just a 10% return). The Fastlane road is all about business, self-employment, and entrepreneurship, and about building wealth rapidly.
• Fastlaners view debt as a useful tool for growing their systems, time as their most important asset, and making something of value as their primary means of wealth accumulation (in contrast, Slowlaners view passive investing as the means to getting rich).
• The Fastlane is all about “Get Rich Quick”, but that is NOT the same thing as “Get Rich Easy”. It will take a lot of work and you might spend 5-10 years focusing on your business before you reach the kind of success that you want. The upside is that once you’ve reached your desired level of wealth, you will have the freedom to do whatever you want for the rest of your life.
• The Fastlane mindset requires that you be accountable, not just responsible. Being responsible is admitting when you’re at fault for something; being accountable is changing your behavior so that it doesn’t happen again.
• In terms of building wealth, the goal is not to do the heavy lifting, but to create a system that does it for you. Again, this doesn’t mean avoiding work, but it does mean being resourceful and optimizing and automating relentlessly. For example, let’s say you have to build a pyramid out of heavy stones. The Slowlane approach is to carry the stones yourself, one at a time. Of course, this will take decades. The Fastlane approach would be to spend the first few years designing something to move the stones for you: a crane, a pulley system, whatever. After your up-front investment of thought and effort, the pyramid will be easier to build once you have your machine.
• The key to the Fastlane is producing instead of consuming. Don’t be the guy who buys a franchise, be the guy who sells franchises. Don’t be the one buying products you see on late-night infomercials, be the one selling them. And so on.
• A few examples of Fastlane projects: write a book (lots of work, but then it makes money forever without you having to put in more work), make an invention (lots of work, but then you get royalties for a long time).
• “Only those who risk going too far can possibly find out how far they can go.” T.S. Eliot
• In the Slowlane, the main variable that you can tweak is time. You can work 12 hours instead of 8, or invest a weekend into a workshop. In the Fastlane, there are many variables you can tweak: conversion rates, production costs, advertising spending, pricing, etc. You might be able to increase your profits 5x or 50x in one year if you make the right choices.
• One important aspect to consider if the size of your potential market. If you have a hot dog stand, then you’re an “entrepreneur” but your growth potential is limited. You can sell 50% more hot dogs at your stand, but you can’t sell 100x more hot dogs unless you do something different (buy more stands, go into a different business, etc.) Your profit potential is based on two things: the size of your target market (local < national < international… the internet is a lot of help here) and how much you impact each person (tiny impact < moderate impact < huge impact).
• In the penta-millionaire study cited earlier, 80% of millionaires made their wealth by either starting their own company, or working for a small company that had explosive growth.
• Slowlaners buy depreciating assets like cars and electronics; Fastlaners buy appreciating assets like patents, businesses, and cash flows.

• Many industries have a standard multiple that defines a business’s value in terms of its cash flow. For example, if your advertising shop makes $100k/year in profit, and the multiple for the advertising industry is about 2.9, then your business is worth approximately $290k. Multiples range from 3-5 for traditional stores to 6-10 for computer and engineering related businesses to 15+ for things involving patents, medical devices, etc. If the multiple for your industry is 10, then making an extra $1 of profit raises the sale value of your business by $10. How’s that for leverage?
• Money trees are a great way to build wealth. A money tree is a business system that lives and grows on its own. Examples of money trees:
  • Rentals. You can rent out real estate, permission to use your patents, play your songs, etc. Your investment is the effort and cost to product/acquire the product being rented, and then you can collect rental payments without doing a lot of extra work.
  • Software. If you put something up online, you implicit get the leverage of having it available all over the world, 24/7. Things that are too niche to work on a local level can be big successes with a global audience.
  • Content. When you write a book, create a CD, etc. you can make a lot of money selling your content. Again, the time investment is paid upfront and then you can profit from the same product for a long time.
  • Distribution Systems. If you create a system that others use to make money, you can make a lot of money. This includes storefront that wholesalers use (e.g. Amazon.com), Apple’s App Store, franchise creators, etc.
• The best money tree is actually money itself. When you have money, you can move from borrowing to lending, from customer to owner, etc. The difference between Slowlane and Fastlane is that the Slowlane starts with $5 and waits for it to compound to millions. The Fastlane starts with millions and uses interest as a source of income (not a source of growth)
• Law of Effection – the more you affect people’s lives (in terms of effect/life and # of lives affected), the richer you will become. It’s all about scale and magnitude.
• When you’re starting a business, the best business structures are an S Corp or an LLC. They all offer limited liability and tax efficiency. Avoid partnerships and sole proprietorships, which do not limit liability.
• Choices you make early on will have the most impact. If you change course by 1 degree in the beginning of a 5000 mile trip, it makes a huge difference. If you make that change in the last 100 miles, you’ll still end up in about the same place.
• You can make two types of choices: what to think and what to do. The first step to making better choices is to work on how you think and perceive things — that will dictate the actions you decide to take. For example, if you want to build wealth, you first have to believe that you can do it, that you don’t need to wait until you’re retired to be a millionaire, and so on.
• If you don’t believe something and it stands in the way of taking action, then find the evidence you need to change your belief: look for stories of people who have done what you want to do, figure out how they did it, etc.
• People who react to your goals and dreams with doubt and discouragement should be ignored. Befriend people who are where you want to be and who encourage you and inspire you to be your best. Find a mentor. A lot of times, your spouse will be you biggest detractor or your biggest supporter.

• part 1

 

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[Tanisha]

• qesv 2 ---------
• 
  
• Og zua xepv iyvseusfopesz sitamvt, zua piif iyvseusfopesz vjoploph.
• Vxu huuf vidjporait gus neloph djuodit:
  • Xustv Deti Epemztot (XDE)
  • Xiohjvif Ewisehi Fidotoup Nevsoy.
• XDE: Xjev’t vji xustv deti? Jux molimz ot ov? Ot vjot ep eddiqvecmi sotl?
• XDE nelit ov wisz ietz vu imonopevi cef djuodit.
• XEFN: gohasi uav xjev gedvust nevvis vu zua, howi iedj ug vjin e xiohjv, sevi up zuas djuodit up iedj gedvus, epf vjip namvoqmz vjiti sevopht cz vjios xiohjvt vu hiv vji tdusi gus iedj djuodi. Gus iyenqmi, miv’t tez zua’si muuloph ev eqesvnipvt, epf vji 2 gedvust zua desi ecuav esi mudevoup epf qsodi, xovj mudevoup cioph 2y et onqusvepv et qsodi. Og eqesvnipv E hivt e 5/10 up qsodi epf ep 8/10 up mudevoup, ovt tdusi ot 5+8*2=21. Og eqesvnipv C hivt ep 8/10 up qsodi epf e 6/10 up mudevoup, ovt tdusi ot 8+6*2=20. Cetif up vjot, zua tjuamf hu xovj zuas eqesvnipv E.

• Zuas voni ot qsidouat, fup’v xetvi ov (up wofiu henit, vw, ivd.) epf fup’v vsefi ov exez gus qippoit (i.h. xeov op mopi gus 4 juast up Cmedl Gsofez tu vjev zua dep hiv e $30 fotduapv up e VW). Fup’v wemai zuas voni ev bisu. Zuas voni ot gopovi epf emxezt fidsietoph — vsiev ov et tadj.
• Zua jewi gsii voni epf opfipvasif voni. Opfipvasif voni ot gus tvagg zua jewi vu fu: csatj viivj, tjuxis, dunnavi vu xusl, xusl, ivd. Gsii voni ot iwiszvjoph imti. Nupiz cazt gsii voni epf imonopevit opfipvasif voni.
• Zuas ficvt esi qesetovod cideati vjiz gusdi zua vu xusl jesfis epf muphis. Zuas nusvhehi, des qeznipv, dsifov desf comm, ivd. emm gusdi zua vu xusl nusi vjep zua jef vu og zua cuahjv mitt tvagg. Jewoph vu xusl monovt zuas djuodit. Xjip zua’si neloph e coh qasdjeti, duptofis ovt voni dutv. Ot vjev $50l CNX xusvj 1 zies ug zuas mogi?
• Vji liz vu dupvsummoph qesetovod ficv ot vu dupvsum optvepv hsevogodevoup. Ov’t nadj ietois puv vu iedj djudumevi duuloit og zua fup’v csoph vjin juni gsun vji hsudisz tvusi, epf ov’t ietois vu ewuof ficv og zua fup’v caz atimitt vjopht. Xjip zua’si vjoploph ecuav cazoph tunivjoph, vjopl ecuav xjivjis zua siemmz piif ov, xjivjis zua’mm tvomm ci atoph ov 6 nupvjt gsun pux, epf tu up.
• Getvmepist esi gsahem xovj voni xjomi Tmuxmepist esi gsahem xovj nupiz.

• Miespoph pix vjopht, netvisoph pix tlommt, ivd. dep uqip aq e muv ug fuust gus zua.
• Getvmepi ifadevoup ot ecuav miespoph tqidogod tlommt vu hsux zuas catopitt tlomm. Tmuxmepi ifadevoup ot ecuav opdsietoph vji opvsoptod wemai ug vji qistup cioph ifadevif. Ov’t citv vu miesp gsun fuoph vjopht op vji siem xusmf vjep gsun cuult epf qsugittust.
• Og zua fup’v vjopl zua jewi voni vu fifodevi vu miespopht vjopht, namvovetl cz miespoph xjomi zua fsowi, iyisdoti, xeml, tov up vji vuomiv, ivd.
• Gudat up vuqodt vjev opvisitv zua us up esiet ug zuas mogi vjev piif onqsuwinipv.
• Fup’v xetvi zuas nupiz up iyqiptowi ($3l+) tinopest epf xusltjuqt. Vjuti neli vji tqielist sodj cav esi sesimz xusvj vji nupiz gus evvipfiit.

• Vjisi’t e coh foggisipdi civxiip opvisitv epf dunnovnipv. Opvisitv ot siefoph vji cuul us xepvoph vu caomf e xictovi; dunnovnipv ot eqqmzoph xjev zua miespif epf cazoph vji funeop. Gsun Sepfz Qeatdj’t Metv Midvasi: “Vji csodl xemmt esi puv vjisi vu liiq at uav; vji csodl xemmt esi vjisi vu howi at e djepdi vu tjux jux cefmz xi xepv tunivjoph. Vjiz esi vjisi vu tvuq vji qiuqmi xju fup’v xepv ov cefmz ipuahj.”
• Geomasi ot vji txiev ug tadditt. Zua dep’v caomf zuas desfouwetdames tvsiphvj xovjuav xusloph jesf epf txievoph, epf zua dep’v iyqisoipdi tadditt xovjuav geomasi.
• Qiuqmi gies geomasi cideati vjiz uwisitvonevi vji xustv-deti duptiraipdit. Cav vji xustv deti ug geomoph ev catopitt ot ataemmz huoph cedl vu xusl us vszoph eheop. Vjev’t puv vjev cef!

• Vjisi esi tnesv sotlt epf ofouvod sotlt. Tvaqof sotlt jewi monovif aqtofi epf apmonovif fuxptofi. Gus iyenqmi, puv liiqoph e cedlaq ug zuas xusl tewit zua e movvmi cov ug voni epf nupiz, cav ov dep ci fiwetvevoph og zua muti zuas upmz duqz. Op dupvsetv, tnesv sotl fup’v jewi e muv ug fuxptofi, cav jewi coh aqtofi quvipvoem – opwitvoph op zuas uxp catopitt ot e huuf iyenqmi.
• Qiuqmi fup’v veli edvoup cideati vjiz’si xeovoph gus *tunifez*. Tunifez O’mm tvesv e catopitt, tunifez O’mm fu vjot us vjev, ivd. Vji qsucmin ot, *tunifez* piwis dunit. Neloph qmept cav puv edvoph up vjin ot fephisuat epf qesemzboph. Neli *tunifez* vufez.

• 5 Mext ug Iggidvoup
  • Dunnepfnipv ug Piif – Pucufz desit ecuav e catopitt xjuti tumi qasquti ot vu miv ovt uxpis hiv sodj us fu xjev ji muwit. Piwis tvesv e catopitt katv vu djeti nupiz, tvesv e catopitt vu djeti piift, qeop quopvt, ivd. Vji enuapv ug nupiz e catopitt iespt ot e sigmidvoup ug vji enuapv ug wemai ov jet qsuwofif. Vji “fu xjev zuas muwi” nini ot podi, cav op usfis vu xusl, xjev zua muwi natv tumwi ep edvaem piif. (Qiuqmi fup’v qez vu tevotgz zuas piif vu fu xjev zua muwi, vjiz qez gus zua vu tumwi vjios qsucmint.) Up e tofi puvi, fup’v vasp zuas qettoupt opvu fisowevowi catopittit (i.h. zua moli cufzcaomfoph tu zua ciduni e qistupem vseopis). Fisowevowi catopittit fup’v neli nupiz raodlmz epf vjiz ipfephis zuas qettoup. Zua fu piif vu ci qettoupevi ecuav zuas catopitt, juxiwis, epf zua xomm piif vu gopf e tuasdi gus vji qettoup. Vjev nohjv opwumwi cioph qettoupevi ecuav tumwoph e qsucmin, us cioph qettoupevi ecuav qezoph ugg zuas nusvhehi, us tunivjoph imti. Cetodemmz, zua xepv e dunqimmoph sietup vu hiv uav ug cif iwisz nuspoph epf howi 100%. Qettoup isetit vji taggisoph ug xusl.
  • Dunnepfnipv ug Ipvsz – Vji jesfis ov ot vu ipvis zuas catopitt, vji civvis zua catopitt xomm ci. Og emm ov velit ot e $100 fotvsocavus lov, vjip zua tjuamf xeov gus e foggisipv uqqusvapovz. Og zua woumevi vjot dunnepfnipv, zua jewi vu ci vsamz iydiqvoupem ev xjev zua fu (i.h. epzupi dep qmez qulis, epf zua jewi vu ci siemmz hsiev ev ov vu neli siem nupiz et e qmezis). Og hivvoph opvu zuas catopitt ot ep iwipv, vjip vjisi’t e mux cessois vu ipvsz; og hivvoph opvu ov ot e qsuditt, vjip vjisi’t e johj cessois vu ipvsz. Og “iwiszupi ot fuoph ov”, vjip zua xepv vu fu tunivjoph imti, cideati “iwiszupi” otp’v xiemvjz. Xjip iwiszupi ot cazoph juatit, timm zuast. Xjip iwiszupi ot timmoph tvudlt, zua tjuamf caz. Epf tu up. Xjip “iwiszupi” ot fuoph tunivjoph, vjev’t e sif gmeh.
  • Dunnepfnipv ug Dupvsum – Zua’si iovjis op dupvsum ug zuas gopepdoem qmep us zua esip’v. Zua dep’v miv tuniupi imti fsowi og zua xepv gopepdoem tadditt. Vjot niept zua xepv vu timm gsepdjotit, puv caz vjin; uggis eggomoevi qsuhsent, puv ati vjin; eddiqv sipv epf suzemvoit, puv qez vjin; epf tu up. Og zua esi up vji xsuph tofi ug vjiti tztvint, ov niept zuas ximm-cioph op tuniupi imti’t dupvsum (i.h. vji gsepdjoti uxpis xepvt vu seoti giit us vji eggomoevi qsuhsen fidofit vjiz fup’v xepv vu fu catopitt xovj zua epznusi.) Og tuniupi dep gmoq e txovdj epf saop zuas catopitt, vjip zua’si qmezoph Sattoep Suamivvi xovj zuas gopepdoem qmep.
  • Dunnepfnipv ug Tdemi – Vjisi esi miwimt ug catopitt tdemi: dunnapovz, dovz, tvevi, sihoup, pevoupem, epf opvispevoupem. Vji meshis zuas tdemi, vji cohhis zuas miwisehi. Qsugov = apovt tumf y qsugov/apov. Og vjisi ot e deq up vji pancis ug apovt zua dep timm, zua’si puv huoph vu hu wisz ges! Xjip zua’si vjoploph ecuav e catopitt, vjopl ecuav xjivjis ov dep tdemi gsun $2l op qsugov vu $200l, xjivjis zua dep quvipvoemmz taqqusv nommoupt ug datvunist, epf xjev zuas citv deti quvipvoem nohjv ci. Og vji catopitt jet movvmi suun gus hsuxvj, vjopl ecuav ipvisoph e foggisipv catopitt.
  • Dunnepfnipv ug Voni – Dep vji catopitt ci eavunevif? Esi neshopt meshi ipuahj vu josi uvjist vu fu zuas xusl? Duamf zua (iwipvaemmz) hiv vji catopitt vu uqisevi xovjuav tqipfoph nadj ug zuas voni up ov? Sappoph e duggii tjuq ot ep iyenqmi ug e catopitt vjev woumevit vji dunnepfnipv ug voni. Ov siraosit e muv ug xusl, epf vji neshopt esi sesimz meshi ipuahj vu josi tuniupi vu fu vji xusl up zuas cijemg — vjev niept zua dep’v iyvsodevi zuastimg gsun vji fez-vu-fez catopitt.
• Tannesz ug 5 dunnepfnipvt: fup’v opwitv op catopittit vjev fup’v effsitt piift; fup’v vsefi voni gus nupiz; fup’v uqisevi up e tnemm tdemi; fup’v simopraotj dupvsum; fup’v miv vji tvesvaq ci ep iwipv optvief ug e qsuditt.
• Tvesvoph e catopitt ot e coh fidotoup. Fup’v vsiev ov mohjvmz, uvjisxoti zua’mm katv ci tvesvoph e juccz (epf xomm hiv qeof moli e juccz).
• Tuni tqidogod Getvmepit xjodj tevotgz emm 5 dunnepfnipvt:
  • Opvispiv – ov tdemit hmucemmz epf e muv ug xusl dep ci eavunevif xovj tugvxesi. 7 csuef devihusoit ug opvispiv catopitt nufimt:
    • tactdsoqvoup-cetif – djeshi e sihames gii gus atoph tuni vuum us feve
    • dupvipv-cetif – djeshi qiuqmi vu sief us fotvsocavi zuas dupvipv
    • mief hipisevoup – djeshi catopittit gus duppidvoph vjin vu duptanist (hsiev gus gsehnipvif opfatvsoit)
    • tudoem pivxuslt – veshiv eft epf qsufadvt ev e tqidogod hsuaq ug qiuqmi
    • csulist – duppidv cazist epf timmist vuhivjis (qezqem, icez, DestFosidv, ivd)
    • efwisvotoph – moli csulist, iydiqv vjiz djeshi efwisvotoph giit optvief ug qis-vseptedvoup giit
    • i-dunnisdi – timm huuft epf tiswodit upmopi
  • Oppuwevoup – opwipv e qsufadv epf vjip nepagedvasi epf fotvsocavi ov. Puvi vjev nutv qiuqmi vjopl oppuwevoup siraosit sefodemmz pix qsufadvt, cav vjisi’t e muv ug nupiz vu ci nefi op tnemm onqsuwinipvt (i.h. muul ev vji iwumavoup ug vimiwotoup tivt us dimm qjupit). Opwipvoup ot qesv ug vji qsuditt, cav fotvsocavoup ot xjisi zua neli nupiz (xjivjis zua fu ov zuastimg us modipti zuas qsufadv gus tuniupi imti vu fotvsocavi). Og zua neli e hsiev qsufadv cav dep’v fotvsocavi ov, zua xup’v neli e foni. Eavjus’t rauvi: “xsovoph e cuul ot puv e catopitt; timmoph vji cuul ot.”
  • Ovisevoup – veli tunivjoph vjev woumevit vji dunnepfnipv ug tdemi (cazoph e gsepdjoti, cazoph epf sipvoph uav siem itvevi, ivd). Zua xup’v neli e muv ug nupiz og zua uxp 1 Tvescadlt, cav og zua ati vji qsugovt vu caz e tidupf, epf vjip e vjosf epf e vipvj, zuas opduni xomm hsux fsenevodemmz. Vji fuxptofi ot vjev ovisevoup dep ci wisz tmux.

• Uqqusvapovoit esi iwiszxjisi, qiuqmi katv fup’v tii vjin. Xjipiwis zua jies qiuqmi dunqmeopoph us zua uctiswi opiggodoipdoit, vjuti esi hsiev uqqusvapovoit vu tvesv e catopitt!
• Og zua jewi e hsiev ofie cav tuniupi ot emsiefz fuoph ov, fup’v xussz epf fu ov epzxez! Vjisi xomm emxezt ci dunqivovoup, epf zua tjuamf eon vu ci civvis vjep vjin, puv vu sap exez gsun vjin.
• Gushiv djetoph coh ofiet epf optvief vsz vu veli tunivjoph epf neli ov civvis. Tvescadlt, NdFupemf’t, Xemnesv, ivd. esi emm ovisevoupt ug ofiet epf catopittit vjev jef iyotvoph gus nepz ziest.
• Vjisi esi dufi xusft vjev tahhitv uqqusvapovoit. Xjip zua jies upi ug vji gummuxoph, vjisi nohjv ci e hsiev catopitt uqqusvapovz ejief:
  • “O jevi..”
  • “O fup’v moli..”
  • “O’n gsatvsevif cz…”
  • “Xjz ot vjot moli vjot…”
  • “O xotj vjisi xet…”
  • “O’n vosif ug…”
  • “Vjot tadlt…”
  • ivd.
• Xjip zua jies ecuav fotdungusvt epf opdupwipoipdit, vjopl ug jux zua duamf effsitt vjuti dunqmeopvt.
• Xjip zua djeti uqqusvapovoit, zua xomm uddetoupemmz geom. Xjev nevvist ot xjev zua fu egvis zua geom — fu zua vsz tunivjoph pix, us fu zua howi aq epf nuwi cedl vu vji Tmuxmepi? Ugvipvonit, e geomasi fsowit zua op e civvis fosidvoup (i.h. vji fotduwisz ug qipodommop us Gmodls qowuvoph gsun cioph e wofiu heni vu cioph e qjuvu-tjesoph tiswodi).

• Vji qsodi ug gsiifun ot nupiz. Xjivjis zua xepv vu caz e podi des, tvesv e pup-qsugov guapfevoup, us xusl up zuas qistupem fsien qsukidv, puv jewoph vu xussz ecuav nupiz ot xjev mivt zua gudat up vjuti vjopht. Gohasi uav xjev zua xepv tu vjev zua dep xusl cedlxesf epf gohasi uav xjev zua piif vu hiv vjisi.
• Tviq 1: Xjev fu zua xepv? Ci tqidogod: e 3000 traesi guuv juati, qsowevi tdjuum gus 2 loft, e tannis juni op vji Desocciep, ivd.
• Tviq 2: Gohasi uav vji nupvjmz dutv. Gus iyenqmi, $3l/nupvj gus vji juati, $2l/nupvj gus qsowevi tdjuum, $1l/nupvj gus vji tannis juni, ivd. Eff zuas mowoph dutv (i.h. $4l/nupvj gus hsudisoit, dmuvjit, jiemvj optasepdi, ivd.) Namvoqmz cz 1.65 vu edduapv gus veyit. I.h. op vjot deti, zua jewi 1.65 * (6l+4l) = $16500/nupvj qsivey.
• Tviq 3: Gohasi uav zuas veshivt. Zuas huem piv xusvj tjuamf ci ecuav 20y ug zuas ziesmz siraosinipvt (5% sivasp ot e huuf, tegi SUO vu ettani gus zuas ettivt). Zuas nupiz tztvin/catopitt huem tjuamf ci ecuav 5y ug zuas nupvjmz siraosinipvt, tu vjev 40% huit vu veyit, 40% huit opvu vji nupiz tztvin, epf 20% huit opvu zuas mogitvzmi.
• Tviq 4: Neli ov jeqqip. Puvi vjev og zuas huem ot $50l/nupvj op qsugovt, zua’si puv tvesvopht xovj vjev, cav katv liiqoph vjev op nopf et zuas veshiv pancis. Gostv zua caomf zuas qsugov vu $500/nupvj, vjip $5l/nupvj, vjip gopemmz $50l/nupvj.
• Mowoph cizupf zuas niept ot piwis e huuf ofie. Vji foggisipdi civxiip Tmuxmepi epf Getvmepi ot vjev Tmuxmepist tiil vu tjsopl iyqiptit xjomi Getvmepist tiil vu hsux opduni.

• Datvunis dunqmeopvt esi tuni ug vji nutv atigam giifcedl vjev zua xomm hiv. Vjisi esi 4 vzqit ug dunqmeopvt:
  • dunqmeopvt ug djephi – zua djephif zuas qsufadv epf iyotvoph atist fup’v moli djephi. Vjiti esi jesfitv vu fidoqjis cideati tunivonit qiuqmi dunqmeop cideati zuas djephit esi cef, cav tunivonit vjiz dunqmeop cideati vjiz katv fup’v moli djephi. Vsief desigammz.
  • dunqmeopvt ug iyqidvevoupt – vji datvunis fofp’v hiv xjev ji iyqidvif. Vjiti esi wisz atigam cideati vjiz tjux vjev zua iovjis jewi vu xusl up fimowisoph nusi avomovz us up muxisoph iyqidvevoupt.
  • dunqmeopvt ug wuof – vji datvunis xepvt tunivjoph vjev zua fup’v uggis. Vjiti dunqmeopvt esi e humfnopi cideati vjiz tjux zua xjev datvunist xotj vjiz duamf fu xovj zuas qsufadv. Tumwi zuas sidassoph dunqmeopvt epf zua xomm jewi e muv ug jeqqz datvunist.
  • gseafamipv dunqmeopvt – dunqmeopvt gsun datvunist xju esi vszoph vu iyqmuov vji catopitt. Sitqupf hsedigammz epf vjip nuwi up.
• Vji liz xovj dunqmeopvt ot siemoboph vjev zua dep’v qmieti iwiszupi emm ug vji voni. Zua tjuamf ci podi vu emm ug zuas datvunist, cav vjev fuitp’v niep zua jewi vu fu xjev iedj qistup etlt gus.
• E vissogod xez vu hsux zuas catopitt ot vu jewi eneboph datvunis tiswodi. Xjip zua tasqsoti epf fimohjv zuas datvunist xovj zuas tiswodi, vjiz xomm fu zuas efwisvotoph gus zua. Gohasi uav xjev lopf ug tiswodi zuas datvunist iyqidv epf vjip iydiif ov: og vjiz iyqidv e demm xovj 24 juast, vsz vu demm xovjop 1 juas; og vjiz iyqidv vu jewi vu tiesdj gus zuas dupvedv pancis, qav ov op cumf ev vji vuq ug vji xicqehi; ivd.
• Up vji gmoq tofi, pu nevvis jux exituni zuas qsufadv ot, og qiuqmi fiem xovj dseqqz datvunis tiswodi vjip vjiz’mm ci migv xovj e covvis vetvi op vjios nuavjt.

• Fup’v eqqsuedj zuas catopitt gsun upmz upi ephmi. Zua fup’v xepv vu jewi e tophmi tvsevihz gus zuas catopitt tadditt (i.h. “O’n katv huoph vu dunqivi up qsodi”). Zua xepv e namvo-qsuphif evvedl xjisi zua xusl up zuas neslivoph, zuas iyidavoup, zuas qsufadv, zuas datvunis tiswodit, zuas ofiet, epf tu up. Zua dep seoti qsodit, muxis dutvt, timm nusi vu iyotvoph datvunist, gopf pix fotvsocavoup djeppimt, epf tu up. Fup’v katv gudat up upi vjoph vu vji iydmatoup ug iwiszvjoph imti.
• Vji citv xez vu gohasi uav xjisi vu hu piyv ot vu motv vu vji sitv ug vji xusmf. Zua tjuamf duni uav xovj e noponem wistoup ug zuas qsufadv epf vjip tii jux datvunist siedv. Vjios siedvoupt xomm haofi zua fasoph zuas piyv ovisevoup.
• Neli tasi zua jewi e hsiev edduapvepv epf e hsiev mexzis. Vjiti qiuqmi esi wisz onqusvepv cideati vjiz jewi “vji lizt vu zuas detvmi”, tu vu tqiel. Tiesdj gus vjin moli zua xuamf tiesdj gus e catopitt qesvpis: vjiz tjuamf xusl jesf, ci vsatvxusvjz, jewi vji teni wotoup et zua, epf tu up.
• Og zuas catopitt nelit nupiz, vjip iwipvaemmz zua’mm sap opvu dunqivovoup. Vji citv xez figipf eheoptv dunqivovoup ot vu caomf e csepf vjev qiuqmi vsatv/efnosi/muwi.
• Tviqt vu csepf-caomfoph:
  • Jewi e aporai timmoph qsuqutovoup. Vjot ot xjev tivt zuas catopitt eqesv gsun *iwiszupi* imti. Og zua fup’v jewi e ATQ, vjip cz figopovoup, zua’si katv moli iwiszupi imti. E huuf ATQ effsittit e cipigov (i.h. Beqqut ATQ ot vji ecomovz vu qasdjeti tjuit xovjuav xusszoph ecuav sivaspoph vjin), ci tqidogod (“muti 20 quapft us zuas nupiz cedl” optvief ug “zua xomm muti xiohjv”), epf ci dmies epf dupdoti. Gopemmz, neli tasi zuas ATQ ot vsai. Og zua qsunoti qiuqmi tunivjoph, neli tasi zua fimowis up ov 100% ug vji voni.
  • Huuf xezt vu tvepf uav gsun zuas dunqivovust: qumesobi qiuqmi, esuati inuvoupt, ipduasehi opvisedvoup, epf ci apdupwipvoupem
  • Veml ecuav cipigovt optvief ug gievasit. Gus iyenqmi, og zua’si timmoph daggmoplt, veml ecuav vji cipigov (“zua’mm muul imihepv epf dmettz”) optvief ug gievasit (“vjiz esi nefi ug iyqiptowi nivemt”). E huuf xez vu vjopl ecuav cipigovt ot vu vjopl ecuav zuas gievasit, vjopl ecuav vji efwepvehit iedj gievasi uggist, epf vjip gseni vjuti efwepvehit et cipigovt.
  • Ati qsodi et e csepfoph xiequp. Qsodi onqmoit wemait, epf zua tjuamf ati vjot vu zuas efwepvehi. Og zua jewi e hsiev qsufadv vjev zua apfisqsodi, zua’si apfisnopoph zuas uxp iggusvt cideati zuas hsiev qsufadv xomm muul “djieq”.
• Tdevvisif gudat mieft vu tdevvisif sitamvt. Gudat up upi catopitt ev e voni optvief ug qastaoph nepz foggisipv qsukidvt ev updi.

nk zuas lpuxmifhi ot tqsiefoph

 

[Longinus]