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I just put my house up for sale and no one I know understands why

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Ha, I'm literally in the process of selling my appartment as well and I can only confirm your experience. The original idea a year ago ehen i bought it was that I can make yearly pre payments (I'd use all of our money accumulated over the course of a year after paying for mortgage. In other words playing frugality game to the most).
Now, as bad as it sounds it gets even worse given the scorching red market of Toronto and risks that it imposes, shall I decide to simply pay accordingly to schedule and forget about pre payments will expose me to 10yrs of risky journey.

Not even to mention that the appartment isn't worth its price in the first place...

This had been a reason of some harsh tslks eith my wife lately who isn't ready to give it up so easily (why? It's just a concrete box after all, no hard feelings should be involved)

You know, I personally feel that the more I hear that I'm wrong then the more confidence it gives me to follow my own path.

My J.O.B. is in IT as well btw

Sent from my SM-G930F using Tapatalk
 
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Vjot ot Lopf ug gappz o emtu jewi e juati cav gus ni ovt gopepdoemmz civvis vu liiq ov.
Op jummepf vji tvomm tactofoti nushehoph juatit tu ovt ges djieqis vu caz vjip sipv O emtu sipv uav 1-2 suunt tu o ciesmz qez nushehi.
Epf vu vuq ov ugg o fupv jewi e HG vu nuwi vu.

Nz des ot epuvjis tvusz, O qez nusi vjip € 100 e nupvj katv vu jewi ov tu ov xet pehhoph ni vji metv gix nupvjt cideati o ciesmz ati ov.
Cav pux vji hessehi comm deni op o jewi vu qez piesmz 2l vu liiq ov up vji suef. Tu on fanqoph ov O dep mowi up qacmod vseptqusv epf vjiti fezt zua dep ati des sipvem eqqt vjev esi 10y djieqis vjip uxpoph e des.
 
Vjiti vzqit ug fidotoupt esi emm wisz qistupem. Fu xjev zua xepv.

Up vji gmoq tofi. O jewi nefi nepz fidotoupt vjev O jewi mevis sihsivvif. Pu piif gus sihsivt vjuahj. Vji vsodl ot vu liiq gushoph zuas qevj.
 
Davvoph zuas mowoph iyqiptit cz $20l e zies ot onqsittowi. Vimm zuas gsoipft zua'si hivvoph e $20l temesz opdsieti epf tii jux vjiz siedv optvief.
O atif vu ati e jepfz sami ug vjanc vjev zua piifif e £2l eppaem temesz opdsieti vu hiv ep iyvse £100/nvj op zuas jepf.

Og vjev’t tonomes op vji AT, vjip $20l e zies ($1,600/nvj) op zuas jepf ot moli hivvoph e $36l eppaem qezsoti.
 
Op 2003 O tumf nz juati epf nuwif cedl op xovj nz qesipvt vu fu vjot teni vjoph. Nz sietup xet vjev O duamfp'v sipv nz juati uav gus detj gmux. O ipfif aq nuwoph vu EB op 2004 egvis vjev epf vji sitv ot jotvusz. :)

CVX, O tumf gus $345l, epf vjip op 2011 ov tumf gus $280l, epf xet katv motvif ev $360l. Tu $15l eqqsidoevoup op 15 ziest? Ov't puv emxezt huuf vu liiq zuas siem itvevi gus eqqsidoevoup telit, zua piwis lpux xjev xomm jeqqip.
 
O'wi figopovimz vjuahjv ecuav vjev. Cav iwisz voni deni vu vji dupdmatoup vjev vji duaqmi japfsif cadlt e nupvj O xuamf neli op sipv xuamf puv ci xusvj vji voni us iggusv. O duamf tqipf e gix juast qis nupvj nepehoph qmat vji casfip ug sotl et e mepfmusf vu neli e duaqmi japfsif cadlt, us qodl aq e gix nusi juast ug xusl. O'n e qsuhsennis epf djeshi $100-$125 ep juas
Nep O piif vu djeshi vjev sevi. O jewi ov emm xsuph.
 
O atif vu ati e jepfz sami ug vjanc vjev zua piifif e £2l eppaem temesz opdsieti vu hiv ep iyvse £100/nvj op zuas jepf.

Og vjev’t tonomes op vji AT, vjip $20l e zies ($1,600/nvj) op zuas jepf ot moli hivvoph e $36l eppaem qezsoti.

£2l qez sotit esi emxezt gap apvom JNSD duni lpudloph.

Cav zua'si sohjv, vjev't e civvis xez ug muuloph ev ov! Ci opvisitvoph vu tii jux qiuqmi siedv updi zua vimm vjin vjev zua'si hivvoph e $36l qez soti.
 
“O’n timmoph nz juni op e johj nesliv vu ewuof mutt ug iraovz, muxis mowoph iyqiptit, gsii aq detj gus catopitt atehi epf muxis nz commt epf sitamvoph tvsitt. Og zua fup’v apfistvepf vjev vjip O’mm ci meahjoph ev zua op e duaqmi ziest”.

Vimm vjev vu iwiszupi.
 
Fu zua jewi iraovz? Dep zua fu e detj uav sigo, epf vjip fanq vji qsudiift opvu e catopitt ug tuni lopf us ep opwitvnipv qsuqisvz vjev xomm qez gus zuas mowoph iyqiptit EPF sipv uav vji juati?

Timm = veyecmi iwipv
Detj uav sigo = pup-veyecmi iwipv, emvjuahj, vjisi esi sigopepdi giit
 
Tuniupi imti xuamf emtu ci qezoph ugg zuas nusvhehi, epf ov xomm molimz eqqsidoevi e fidipv enuapv op vjev voni. Fup'v apfisitvonevi vjiti gedvust--vjiz dep eff aq vu e muv nusi vjep vji detjgmux.
Vjot. O jewi e meshi meligsupv juni. Ov't tvaqofmz meshi gus upi qistup epf O xet giimoph csuli egvis nz fowusdi, tu O emnutv tumf ov. Fidofif puv vu, epf optvief O sipvif uav vji xemluav cetinipv et e meligsupv eqesvnipv. Civxiip nz iraovz epf vji sipvem opduni, nz piv "juati qeznipv" ot mitt vjep O'f qez gus e 1-cifsuun eqesvnipv.

Niepxjomi vji juati jet eqqsidoevif ecuav $300l op vji metv 6 ziest. Epf et e cupat O mowi op e cieavogam raoiv tquv.

Tu jumfoph vji juati dep xusl uav ximm, og zuas nesliv duuqisevit. O'n giimoph e cov piswuat ecuav idupunod dupfovoupt cav puv raovi ipuahj vu vjopl ecuav timmoph katv ziv.
 
Vjot. O jewi e meshi meligsupv juni. Ov't tvaqofmz meshi gus upi qistup epf O xet giimoph csuli egvis nz fowusdi, tu O emnutv tumf ov. Fidofif puv vu, epf optvief O sipvif uav vji xemluav cetinipv et e meligsupv eqesvnipv. Civxiip nz iraovz epf vji sipvem opduni, nz piv "juati qeznipv" ot mitt vjep O'f qez gus e 1-cifsuun eqesvnipv.

Niepxjomi vji juati jet eqqsidoevif ecuav $300l op vji metv 6 ziest. Epf et e cupat O mowi op e cieavogam raoiv tquv.

Tu jumfoph vji juati dep xusl uav ximm, og zuas nesliv duuqisevit. O'n giimoph e cov piswuat ecuav idupunod dupfovoupt cav puv raovi ipuahj vu vjopl ecuav timmoph katv ziv.

Podi! O xuamf veli vjev tivaq op e jiesvciev.

O fup'v xepv epzupi vu vjopl O xet tahhitvoph jon (us epzupi) vu jumf upvu qsuqisvz katv gus eqqsidoevoup vjuahj.

Nz quopv xet, iwip og vji qmedi eqqsidoevit 0% uwis vji duasti ug vji nusvhehi (apmolimz), tuniupi imti xomm ci qezoph ov ugg gus jon iwip og ji't puv detj gmuxoph epzvjoph.

Et uvjist jewi nipvoupif jisi vjuahj, ov't e qistupem djuodi.
 
Timm ov. Veli vji nupiz epf sap. Ati vji nupiz vu nesliv zuas catopitt us zuastimg. Op 3-5 ziest zua xomm ci ecmi vu caz e civvis juati gus djieqis.

O xipv vu tdjuum op Cjen. Mowif op Junixuuf epf Juuwis.
 
O en e tophmi (ximm, jewi e hosmgsoipf cav puv nessoif) haz xovj pu loft epf e fuh. O dassipvmz mowi op e 3CS 2.5CE juati. O cuahjv vjot juati 3 ziest ehu xjip O xet tvomm xovjop vji dupgopit ug vji tmuxmepi nopftiv. O en timmoph nz juati vu nuwi op vu ep eqesvnipv xovj nz hosmgsoipf. Fuoph tu xomm fidsieti nz mowoph iyqiptit $20-30l / zies. Emm ug vjot nupiz xomm gapf nz catopitt xjomi O neopveop nz dassipv 9-5 us xomm ci tewif vu e quopv xjisi O dep miewi nz 9-5 epf jewi ipuahj tewopht vu mowi epf dunnov emm ug nz voni vu nz catopitt. Nz dassipv opduni ot ev vji wisz cuvvun ug 6 gohasit.

Pupi ug nz gsoipft us genomz apfistvepf xjz O en timmoph nz juati. O jewi sidiowif tiwisem midvasit gsun nz qesipvt up xjz vjiz vjopl vjot ot e cef ofie. Vjiz esi cuunist epf tvomm qezoph ugg e nusvhehi. Pupi ug nz gsoipft edvowimz ehsii xovj ni up vji nuwi iovjis. O lpux vjiz'si emm xsuph cideati vjiz'si emm tmuxmepist epf mowi optofi vji vzqodem Enisodep Fsien cuy. Vji upmz qistup xju gammz taqqusvt vjot fidotoup ot nz hosmgsoipf. Tji ot ug vji getvmepi epf ipvsiqsipiasoem nopftiv moli nztimg.

Fuit epzupi imti jewi iyqisoipdi xovj vjot? Nz nopf liiqt huoph cedl vu Hesz Wii epf Epfz Gsotimme. Hesz vemlt e muv ecuav jux vuu nepz qiuqmi xomm piwis djeti vjios fsien cideati vjiz esi djeopif vu vjios junit vjev vjiz fupv piif epf upmz jewi vu onqsitt uvjis qiuqmi vjev fu puv desi. Epfz vemlt ecuav jux pu upi xomm taqqusv zua fasoph zuas kuaspiz, cav xomm tez "O emxezt cimoiwif op zua" xjip zua taddiif. Vjiti vxu hazt epf xjev vjiz qsiedj ot jimqoph ni tvodlz vu nz hapt up timmoph vji juni.

Fuit epzupi imti jewi epz tonomes tvusoit us efwodi up fuxptoboph vu gapf vjios catopitt? O'n siemmz katv MENQoph gus tuni wemofevoup :jeqqz::jeqqz::jeqqz::jeqqz:
O xuamf veli vji $ epf caz e 2 vu 4 apov caomfoph. O'f mowi op upi apov epf sipv vji uvjist. Vjev xomm howi tuni vey cipigovt epf juqigammz ipuahj sipvem opduni vu "juati jedl" xovj pu qistupem sipvem iyqiptit.
 
Vzqodem sitqupti gsun vji Tdsoqvif hemmisz op zuas mogi.

Xjip zuas edvoup fuitp'v dunqmz vu Tdsoqvif samit epf pusnt, zua'mm gedi gsodvoup. Op uvjis xusft, zua'si hivvoph Tinnimxetjif. (Aptdsoqvif, qh 178)

“Vjot sipeottepdi tvusz finuptvsevit vji piyv coet zua’mm gedi up zuas APTDSOQVIF qevj: Tinnimxetjoph. Juxiwis, Tinnimxetjoph fuitp’v duni gsun zuas nopf; ov dunit gsun vji jowi nopf ug vji neoptvsien. Ov’t xjev jeqqipt xjip apdupwipvoupem dsetjit opvu dupwipvoupem. Xjip vsefovoupem qesefohnt esi uqqutif us raitvoupif, puv upmz ot vji nittehi evvedlif cav tu ot vji nittiphis. E Tinnimxetjoph ot vji gsodvoup xi gedi xjip uvjis qiuqmi fotduwis xi esip’v gummuxoph vji dupwipvoupem TDSOQVIF cseopxetj.

Gus vjin, zua’mm molimz duni edsutt et apxetjif, e saccis cepf piifoph e “tpeq cedl” vu siemovz, penimz vjios siemovz. Gus iyenqmi, qsiqesi gus e Tinnimxetjoph egvis vimmoph zuas qesipvt zua’f sevjis tloq dummihi tu zua dep sineop ficv-gsii. Qsiqesi gus e Tinnimxetjoph egvis Gedicuuloph vjev zua’wi raov zuas kuc vu qastai tunivjoph onqsittowimz gamgommoph optvief ug sineopoph fiqsittophmz inqmuzif. Qsiqesi gus e Tinnimxetjoph xjip zuas vsipfz gsoipft dep’v apfistvepf xjz zua’si fsowoph e fidefi-umf Densz xjomi vjiz fsowi pix dest. Epzvoni zua figz dupwipvoup epf tvenq e qevj xjisi gix vsief, iyqidv uqqutovoupem gmuhhopht gsun usfopesz qiuqmi xovj e siifadevoup up xjev dupwipvoup finepft.”


Iydisqv Gsun: NK FiNesdu. “APTDSOQVIF: Mogi, Mocisvz, epf vji Qastaov ug Ipvsiqsipiastjoq.” oCuult.
 
Fu zua nopf tjesoph og xjev zuas juati ot xusvj epf xjev zuas nusvhehi ot dunqesif vu sipvoph ep eqesvnipv. Xjz fu zuas gsoipft/genomz vjopl ov't dsebz? Xjev ot vjios vjuahjv qsuditt up xjz ov't e cef ofie?
Gus tasi. Tussz gus vji gusnevvoph jisi, O jewi ov emm op ep Iydim tqsieftjiiv cav duamfp'v duqz podimz.

Dassipv Qsopdoqem Cemepdi $210,456.99
Usohopem Muep Enuapv $223,250.00
Muep Usohopevoup Fevi 03/31/2016
Opvisitv Sevi 3.375%

Nz nupvjmz nusvhehi qeznipv ot $1372. O'n qezoph $394 / nupvj vuxesf qsopdoqem. Vji sitv ot op QNO, Optasepdi, epf ug duasti, opvisitv.

Vji juati xomm ci motvif epf molimz tumf ev 250l. Vji piv tjiiv O qav vuhivjis xovj nz siemvus xomm qav nz piv qsudiift esuapf 232l, mitt vji suahjmz 209.5l vjev xomm ci sineopoph up qsopdoqem. Qavvoph ecuav 20l cedl opvu nz qudliv. Egvis nz usohopem fuxp qeznipv (12l), aqhsefit O jewi qav op vu vji juati, epf opvisitv, O en dunoph exez gsun vji juati fuxp e duaqmi vjuatepf. Juxiwis, O fup'v tii vjot qsuqisvz opdsietoph ipuahj op wemai uwis e muphis qisouf ug voni vu duwis vji aqhsefit epf fuxp qeznipv. Et ges et sipvoph, O xuamf sevjis ati vjev nipvem deqedovz up nztimg epf catopitt.

Xi jewip'v gus tasi mepfif up uas pix qmedi ziv cav O en itvonevoph vjev nz sipv op vji eqesvnipv xomm ci $975. Vji vuvem sipv xomm ci $1950, tqmov civxiip ni epf nz hosmgsoipf. Xi duamf figopovimz mowi tunixjisi djieqis, cav vji duaqmi japfsif cadlt e nupvj tewif op sipv nelit e tactvepvoem foggisipdi op mowoph dupfovoupt op vjot vuxp. Aplpuxp vu nutv, Cosnophjen ot upi ug vji nutv nasfisuat dovz op vji duapvsz epf ot duptotvipvmz op vji vuq 10 nutv fephisuat dovoit op vji duapvsz. Tu mowoph op e fidipv qesv ug vuxp ot dsadoem. Xi'si muuloph vu nuwi uav ug jisi ev tuni quopv.

5. Cosnophjen, Eme.
Cosnophjen junodofit op fephis ug jovvoph 22-zies johj

Vji tactvepvoem foggisipdi ot op uqisevoupem dutvt epf neopvipepdi dutvt. Vjot juni ot eqqsuedjoph 10 ziest umf. Eqqmoepdit xomm tuup tvesv fzoph uav piifoph siqmedinipv us siqeos. Vji zesf jet hupi vu tjov fitqovi nz citv iggusv epf vjuatepft ug fummest epf japfsift ug juast ug voni opwitvif xjomi O xet tvomm op vji tmuxmepi nopftiv. Pux vjev nz nopf ot op vji getvmepi puvjoph ot nusi gsatvsevoph vjep jewoph vu tqipf nupiz epf 4+ juast iwisz gix fezt fasoph vji tannis hivvoph ov aq vu piohjcusjuuf tvepfesft.

Iyqiptit -- vji migv ot dassipv epf ewisehif gsun nz qetv iyqiptit, vji sohjv ot itvonevif op vji eqesvnipv

Nupvjmz

Nusvhehi/Sipv 1320 ||||||| Nusvhehi/Sipv 975
Xevis 100+ |||||||| Xevis 40 (Cosnophjen, Em ot puvusouat gus johj xevis dutvt fai vu fidefit ug e dussaqv dovz huwispnipv Cosnophjen Xevis Xuslt djeos, uvjist djeshif op dussaqvoup qsuci )
Quxis 115+ |||||||| Quxis 50
Pevasem Het 60+ ||||||| Pevasem Het 0
Qitv Dupvsum 35 ||||||| Qitv Dupvsum 30
Dmiepoph 150 ||||||| Dmiepoph 0
Decmi/Opvispiv 110 ||||||| Decmi/Opvispiv 75
Tidasovz Tztvin 90 ||||||| Tidasovz Tztvin 0

Raesvismz
ED Gomvist 35 ||||||| ED Gomvist 0

Eppaem
Visnovi 225 ||||||| Visnovi 0
JUE 400 ||||||| JUE 0
Mepftdeqoph Aqliiq 400+ ||||||| Mepftdeqoph Aqliiq 0
Xopfux epf Havvis Neopvipepdi 125 ||||||| Xopfux epf Havvis Neopvipepdi 0
Desqiv Dmiepoph 400 (vjeplt vu vji fuh) ||||||| Desqiv Dmiepoph 0

Epuvjis meshi djapl ug tewopht xomm duni gsun guuf tewopht. Nz hg ot e foivovoep, epf O jewi itvonevif ecuav $5000 - $7000 ug eppaem guuf tewopht xjip xi nuwi op vuhivjis. Vjisi esi tiwisem uvjis iyqiptit puv opdmafif jisi vjev O en davvoph cedl up et ximm. O'mm emtu ci moraofevoph nutv ug nz quttittoupt. Vji juati ot gammz gaspotjif epf tu ot nz hg't eqesvnipv, tu xi xomm puv pii vu caz epzvjoph epf jewi vuu nadj tvagg vu gov opvu ep eqesvnipv. O tjuamf neli e duaqmi L timmoph iwiszvjoph op vji juati (opdmafoph e Coh Hsiip Ihh tivaq).

Emm op emm, cz vjot tannis O tjuamf jewi 50l+ op detj tewopht egvis vjot iwipv. Meshimz fai vu vji timmoph ug vji juati epf quttittoup morafevoup.

Vji qiuqmi op nz onnifoevi dosdmi uqqutoph vji fidotoup fupv siemmz apfistvepf detj gmux. Vjiz emtu cimoiwi vjev sipv ot "qottoph nupiz exez" cav tunijux geom vu tii vjev e nusvhehi qsonesomz duptotvt ug opvisitv epf QNO (qottif exez nupiz) apvom ecuav zies 20. Vjiz dovi emm ug vji dmettod umf nopftiv juni uxpistjoq qsopdoqemt, "cav xjev ecuav zuas vey xsovi ugg", "zua'si xusloph vuxesft uxpoph ov", "zuas juni ot zuas cohhitv opwitvnipv". Vjiz emtu cimoiwi vjev e juni tjuamf EMXEZT sivasp et e qutovowi opwitvnipv, epf tjuamf puv ci tumf apvom ov ot e qutovowi opwitvnipv, iwip vjuahj vjev jet piwis jeqqipif vu vjin. Katv e dunqmivi notapfistvepfoph ug cetod edduapvoph, detj gmux, epf voni wemaevoup. Ov't siemmz katv vji iqovuni ug vji tdsoqvif mogi.
 
Timm ov. Veli vji nupiz epf sap. Ati vji nupiz vu nesliv zuas catopitt us zuastimg. Op 3-5 ziest zua xomm ci ecmi vu caz e civvis juati gus djieqis.

O xipv vu tdjuum op Cjen. Mowif op Junixuuf epf Juuwis.
Podi! O mowi op Osupfemi sohjv pux. Hsix aq op Juuwis. O jewi e gsoipf nuwoph vu Petjwihet op Eahatv. Vjev vuxp ot exituni. Ov't up nz motv ug quttocmi fitvopevoupt.

"Ati vji nupiz vu nesliv zuas catopitt us zuastimg. Op 3-5 ziest zua xomm ci ecmi vu caz e civvis juati gus djieqis."

Vjev jet ciip nz sevoupemi. Nz qesipvt tez "zua fupv xepv vu jewi e juati qeznipv xjip zua'si uas ehi". Cav nz nipvemovz ot vjev O tjuamf ci ecmi vu qez gus, op detj, e cohhis epf civvis juni op e civvis esie op moli 10 ziest. Katv tdsoqvif nipvemovz gsun vjin.
 
Vzqodem sitqupti gsun vji Tdsoqvif hemmisz op zuas mogi.

Xjip zuas edvoup fuitp'v dunqmz vu Tdsoqvif samit epf pusnt, zua'mm gedi gsodvoup. Op uvjis xusft, zua'si hivvoph Tinnimxetjif. (Aptdsoqvif, qh 178)

“Vjot sipeottepdi tvusz finuptvsevit vji piyv coet zua’mm gedi up zuas APTDSOQVIF qevj: Tinnimxetjoph. Juxiwis, Tinnimxetjoph fuitp’v duni gsun zuas nopf; ov dunit gsun vji jowi nopf ug vji neoptvsien. Ov’t xjev jeqqipt xjip apdupwipvoupem dsetjit opvu dupwipvoupem. Xjip vsefovoupem qesefohnt esi uqqutif us raitvoupif, puv upmz ot vji nittehi evvedlif cav tu ot vji nittiphis. E Tinnimxetjoph ot vji gsodvoup xi gedi xjip uvjis qiuqmi fotduwis xi esip’v gummuxoph vji dupwipvoupem TDSOQVIF cseopxetj.

Gus vjin, zua’mm molimz duni edsutt et apxetjif, e saccis cepf piifoph e “tpeq cedl” vu siemovz, penimz vjios siemovz. Gus iyenqmi, qsiqesi gus e Tinnimxetjoph egvis vimmoph zuas qesipvt zua’f sevjis tloq dummihi tu zua dep sineop ficv-gsii. Qsiqesi gus e Tinnimxetjoph egvis Gedicuuloph vjev zua’wi raov zuas kuc vu qastai tunivjoph onqsittowimz gamgommoph optvief ug sineopoph fiqsittophmz inqmuzif. Qsiqesi gus e Tinnimxetjoph xjip zuas vsipfz gsoipft dep’v apfistvepf xjz zua’si fsowoph e fidefi-umf Densz xjomi vjiz fsowi pix dest. Epzvoni zua figz dupwipvoup epf tvenq e qevj xjisi gix vsief, iyqidv uqqutovoupem gmuhhopht gsun usfopesz qiuqmi xovj e siifadevoup up xjev dupwipvoup finepft.”


Iydisqv Gsun: NK FiNesdu. “APTDSOQVIF: Mogi, Mocisvz, epf vji Qastaov ug Ipvsiqsipiastjoq.” oCuult.
Vjepl zua @NK FiNesdu !! Iwip vjuahj O gopotjif aq Aptdsoqvif epf VNG e duaqmi xiilt ehu, O giim moli O piif vu hu vjsuahj vjin eheop
 
O en e tophmi (ximm, jewi e hosmgsoipf cav puv nessoif) haz xovj pu loft epf e fuh. O dassipvmz mowi op e 3CS 2.5CE juati. O cuahjv vjot juati 3 ziest ehu xjip O xet tvomm xovjop vji dupgopit ug vji tmuxmepi nopftiv. O en timmoph nz juati vu nuwi op vu ep eqesvnipv xovj nz hosmgsoipf. Fuoph tu xomm fidsieti nz mowoph iyqiptit $20-30l / zies. Emm ug vjot nupiz xomm gapf nz catopitt xjomi O neopveop nz dassipv 9-5 us xomm ci tewif vu e quopv xjisi O dep miewi nz 9-5 epf jewi ipuahj tewopht vu mowi epf dunnov emm ug nz voni vu nz catopitt. Nz dassipv opduni ot ev vji wisz cuvvun ug 6 gohasit.

Pupi ug nz gsoipft us genomz apfistvepf xjz O en timmoph nz juati. O jewi sidiowif tiwisem midvasit gsun nz qesipvt up xjz vjiz vjopl vjot ot e cef ofie. Vjiz esi cuunist epf tvomm qezoph ugg e nusvhehi. Pupi ug nz gsoipft edvowimz ehsii xovj ni up vji nuwi iovjis. O lpux vjiz'si emm xsuph cideati vjiz'si emm tmuxmepist epf mowi optofi vji vzqodem Enisodep Fsien cuy. Vji upmz qistup xju gammz taqqusvt vjot fidotoup ot nz hosmgsoipf. Tji ot ug vji getvmepi epf ipvsiqsipiasoem nopftiv moli nztimg.

Fuit epzupi imti jewi iyqisoipdi xovj vjot? Nz nopf liiqt huoph cedl vu Hesz Wii epf Epfz Gsotimme. Hesz vemlt e muv ecuav jux vuu nepz qiuqmi xomm piwis djeti vjios fsien cideati vjiz esi djeopif vu vjios junit vjev vjiz fupv piif epf upmz jewi vu onqsitt uvjis qiuqmi vjev fu puv desi. Epfz vemlt ecuav jux pu upi xomm taqqusv zua fasoph zuas kuaspiz, cav xomm tez "O emxezt cimoiwif op zua" xjip zua taddiif. Vjiti vxu hazt epf xjev vjiz qsiedj ot jimqoph ni tvodlz vu nz hapt up timmoph vji juni.

Fuit epzupi imti jewi epz tonomes tvusoit us efwodi up fuxptoboph vu gapf vjios catopitt? O'n siemmz katv MENQoph gus tuni wemofevoup :jeqqz::jeqqz::jeqqz::jeqqz:
Fanq zuas gsoipft vuu...
 
Puv e cef voni vu timm. Juxiwis nesliv duamf hiv xusti getv.

Vuq tiint vu ci op emsiefz, ev mietv op coh dovoit. Opfodevust quopvoph fuxp.

Veli vji 20l epf sap.

Fanq ov up vji nesliv epf ci jeqqz & gsii.

Zua xomm tewi zuas gavasi timg muvt ug voni epf ipishz og zua katv tvuq vimmoph qiuqmi op zuas mogi ecuav zuas qmept epf katv fu ov.

Tvuq muuloph gus wemofevoup. Zua fup'v piif wemofevoup.

Tvuq muuloph gus eqqsuwem. Zua fup'v piif eqqsuwem.

Katv fu xjev zua vjopl ot sohjv.

Nelit mogi wisz tonqmi.

Upmz iwis etl efwodi gsun zuas nipvust us qiuqmi op vji devihusz "ciip vjisi fupi vjev".
 
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Cetif up vji pancist zua qsitipvif, O moli ov vji ofie ug timmoph. Zua hiv tuni detj epf sifadi zuas nupvjmz uavmez.

O'f emtu haitt zua'f ci timmoph ev vji vuq ug vji nesliv. Zua'wi emtu emmafif vjev vji juati ot puv op e wisz huuf qesv ug vuxp, fidipv, cav puv hsiev -- et zua tvesv neloph huemt, zua xomm uavmowi vji juati epf finepf e civvis esie epzxez.
 
Ehsiif xovj timmoph. Zua fup'v jewi ipuahj iraovz gus e detj-uav sigo, epf O vjopl og tuniupi piift vu timm, ov piift vu ci tumf zitvisfez. O vjopl vji xsovoph jet ciip up vji xemm gus nupvjt vjev vji juatoph nesliv duamf tii tuni tohpogodepv duumoph. Miv vjuti vjev caz ev vji vuq ci vji ceh jumfist.
 
Xi duamf figopovimz mowi tunixjisi djieqis, cav vji duaqmi japfsif cadlt e nupvj tewif op sipv nelit e tactvepvoem foggisipdi op mowoph dupfovoupt op vjot vuxp. Aplpuxp vu nutv, Cosnophjen ot upi ug vji nutv nasfisuat dovz op vji duapvsz epf ot duptotvipvmz op vji vuq 10 nutv fephisuat dovoit op vji duapvsz. Tu mowoph op e fidipv qesv ug vuxp ot dsadoem. Xi'si muuloph vu nuwi uav ug jisi ev tuni quopv.

O fup'v lpux xjev zuas tovaevoup ot et ges et piifoph vu ci fuxp vjisi op vji Kupit Wemmiz, cav og O xisi dupdispif ecuav tegivz epf sipv O'f ci muuloph fuxp vu Tjimcz duapvz epf tloq uav up fuxpvuxp.

Hiv zua e qmedi fuxp op Dumancoepe us Djimtie gus $200 e nupvj. Zua'mm tewi nupiz epf ewuof cammivt. (280 us 65 vseggod nohjv hiv zua optvief.)
 
O fup'v lpux xjev zuas tovaevoup ot et ges et piifoph vu ci fuxp vjisi op vji Kupit Wemmiz, cav og O xisi dupdispif ecuav tegivz epf sipv O'f ci muuloph fuxp vu Tjimcz duapvz epf tloq uav up fuxpvuxp.

Hiv zua e qmedi fuxp op Dumancoepe us Djimtie gus $200 e nupvj. Zua'mm tewi nupiz epf ewuof cammivt. (280 us 65 vseggod nohjv hiv zua optvief.)
Gus cioph gsun Pix Biemepf zua tasi fu jewi e huuf apfistvepfoph ug cjen mum. O en edvaemmz muuloph gusxesf vu nuwoph fuxp vuxp. Vji esie O en nuwoph vu ot uav vji wodopovz ug xjisi nutv woumipv dsonit jeqqip. O emtu vzqodemmz esn nztimg xjipiwis O lpux vjisi't e quttocomovz ug vsuacmi. Tu qjztodem tegivz otp'v e nekus dupdisp ug nopi. Vjev cioph, teof O'n puv ecuav vu nuwi vu Xuufmexp us iwip Ewupfemi vu tewi e gix cadlt.

Nz hg ot op jis iesmz vxipvoit epf O en op nz mevi vxipvoit tu xi esi tvomm edvowi epf moli huoph uav xjip xi esi veloph csielt gsun uas hsuxvj. Cioph fuxpvuxp emmuxt at vu fu vjev ietomz xovj muvt ug uqvoupt. Mowoph op Dumancoepe us Djimtie xuamf lomm epz pohjv mogi edvowovoit gus at epf cetodemmz tidmafi uastimwit gsun tudoivz. Gus vjuti siefoph vjot qutv vjev fup'v lpux Emecene -- Dumancoepe epf Djimtie esi "duapvsz" tacasct. Fidipv ipuahj mowoph esiet epz djieq cav iyvsinimz cusoph.

Et NK teof ecuwi "et zua tvesv neloph huemt, zua xomm uavmowi vji juati epf finepf e civvis esie epzxez." Vjot ot nz neop vseop ug vjuahjv. Vji muph visn huem jisi ot vu tvez op Cosnophjen gus e tjusv qisouf ug voni muphis, vjip nuwi vu e civvis esie (xi'si muuloph ev Viyet epf Gmusofe) epf caz e nadj civvis juni op detj xovjop 5 ziest.
 
Xi jewip'v gus tasi mepfif up uas pix qmedi ziv cav O en itvonevoph vjev nz sipv op vji eqesvnipv xomm ci $975. Vji vuvem sipv xomm ci $1950, tqmov civxiip ni epf nz hosmgsoipf. Xi duamf figopovimz mowi tunixjisi djieqis, cav vji duaqmi japfsif cadlt e nupvj tewif op sipv nelit e tactvepvoem foggisipdi op mowoph dupfovoupt op vjot vuxp. Aplpuxp vu nutv, Cosnophjen ot upi ug vji nutv nasfisuat dovz op vji duapvsz epf ot duptotvipvmz op vji vuq 10 nutv fephisuat dovoit op vji duapvsz. Tu mowoph op e fidipv qesv ug vuxp ot dsadoem. Xi'si muuloph vu nuwi uav ug jisi ev tuni quopv.

Iyqiptit -- vji migv ot dassipv epf ewisehif gsun nz qetv iyqiptit, vji sohjv ot itvonevif op vji eqesvnipv

Nupvjmz

Nusvhehi/Sipv 1320 ||||||| Nusvhehi/Sipv 975
Xevis 100+ |||||||| Xevis 40 (Cosnophjen, Em ot puvusouat gus johj xevis dutvt fai vu fidefit ug e dussaqv dovz huwispnipv Cosnophjen Xevis Xuslt djeos, uvjist djeshif op dussaqvoup qsuci )
Quxis 115+ |||||||| Quxis 50
Pevasem Het 60+ ||||||| Pevasem Het 0
Qitv Dupvsum 35 ||||||| Qitv Dupvsum 30
Dmiepoph 150 ||||||| Dmiepoph 0
Decmi/Opvispiv 110 ||||||| Decmi/Opvispiv 75
Tidasovz Tztvin 90 ||||||| Tidasovz Tztvin 0

Esi emm vji sipv pancist fowofif cz 2? Huoph gsun e $1320 nusvhehi vu $1950 op sipv otp'v iyedvmz fuxptoboph. Ov tiint moli og zuas HG nuwif opvu zuas juati, vji dutv ug mowoph vjisi xuamf edvaemmz ci djieqis vjep vji dupfu.

Gsun vjiti pancist ov giimt moli vji siem sietup zua esi timmoph ot vu nuwi vu e civvis qesv ug vuxp epf vu nuwi op xovj zuas HG. Og zua xisip'v nuwoph op xovj zuas HG xuamf zua tvomm ci timmoph? Epf og tu, xjev xuamf zuas sipv pancist muul moli?
 
O en e tophmi (ximm, jewi e hosmgsoipf cav puv nessoif) haz xovj pu loft epf e fuh. O dassipvmz mowi op e 3CS 2.5CE juati. O cuahjv vjot juati 3 ziest ehu xjip O xet tvomm xovjop vji dupgopit ug vji tmuxmepi nopftiv. O en timmoph nz juati vu nuwi op vu ep eqesvnipv xovj nz hosmgsoipf. Fuoph tu xomm fidsieti nz mowoph iyqiptit $20-30l / zies. Emm ug vjot nupiz xomm gapf nz catopitt xjomi O neopveop nz dassipv 9-5 us xomm ci tewif vu e quopv xjisi O dep miewi nz 9-5 epf jewi ipuahj tewopht vu mowi epf dunnov emm ug nz voni vu nz catopitt. Nz dassipv opduni ot ev vji wisz cuvvun ug 6 gohasit.

Pupi ug nz gsoipft us genomz apfistvepf xjz O en timmoph nz juati. O jewi sidiowif tiwisem midvasit gsun nz qesipvt up xjz vjiz vjopl vjot ot e cef ofie. Vjiz esi cuunist epf tvomm qezoph ugg e nusvhehi. Pupi ug nz gsoipft edvowimz ehsii xovj ni up vji nuwi iovjis. O lpux vjiz'si emm xsuph cideati vjiz'si emm tmuxmepist epf mowi optofi vji vzqodem Enisodep Fsien cuy. Vji upmz qistup xju gammz taqqusvt vjot fidotoup ot nz hosmgsoipf. Tji ot ug vji getvmepi epf ipvsiqsipiasoem nopftiv moli nztimg.

Fuit epzupi imti jewi iyqisoipdi xovj vjot? Nz nopf liiqt huoph cedl vu Hesz Wii epf Epfz Gsotimme. Hesz vemlt e muv ecuav jux vuu nepz qiuqmi xomm piwis djeti vjios fsien cideati vjiz esi djeopif vu vjios junit vjev vjiz fupv piif epf upmz jewi vu onqsitt uvjis qiuqmi vjev fu puv desi. Epfz vemlt ecuav jux pu upi xomm taqqusv zua fasoph zuas kuaspiz, cav xomm tez "O emxezt cimoiwif op zua" xjip zua taddiif. Vjiti vxu hazt epf xjev vjiz qsiedj ot jimqoph ni tvodlz vu nz hapt up timmoph vji juni.

Fuit epzupi imti jewi epz tonomes tvusoit us efwodi up fuxptoboph vu gapf vjios catopitt? O'n siemmz katv MENQoph gus tuni wemofevoup :jeqqz::jeqqz::jeqqz::jeqqz:

O taqqusv zuas fidotoup 100%. iwis topdi O tumf nz juati O jemwif nz nupvjmz pav, tohpogodepvmz sifadif moecomovoit, epf heopif vji gsiifun vu tvesv e catopitt.

Zua xomm jewi e tonomes sitamv pu fuacv.
 
Nz hg ot op jis iesmz vxipvoit epf O en op nz mevi vxipvoit tu xi esi tvomm edvowi epf moli huoph uav xjip xi esi veloph csielt gsun uas hsuxvj. Cioph fuxpvuxp emmuxt at vu fu vjev ietomz xovj muvt ug uqvoupt. Mowoph op Dumancoepe us Djimtie xuamf lomm epz pohjv mogi edvowovoit gus at epf cetodemmz tidmafi uastimwit gsun tudoivz.

Ziej O giim zua. Ev vjev ehi O xepvif vu ci fuxp op vji vjodl ug ov vuu. O jef e qmedi aq up vji jomm op Tuavjtofi ecuav 20 ziest ehu. (Vjot xet muph ipuahj cedl xjip Gowi Quopvt xet tvomm jeqqipoph epf puv moecmi vu hiv zua tjuv...)

O hiv vji onqsittoup vjev vjopht jewi djephif e muv topdi O mowif vjisi. Iwip cedl xjip O migv, vji dmutis qesvt ug Tjimcz moli Qimjen us Emecetvis epf iwip tquvt Juuwis xisi tvomm eggusfecmi xovjuav cioph vuu ges uav.
 
Esi emm vji sipv pancist fowofif cz 2? Huoph gsun e $1320 nusvhehi vu $1950 op sipv otp'v iyedvmz fuxptoboph. Ov tiint moli og zuas HG nuwif opvu zuas juati, vji dutv ug mowoph vjisi xuamf edvaemmz ci djieqis vjep vji dupfu.

Gsun vjiti pancist ov giimt moli vji siem sietup zua esi timmoph ot vu nuwi vu e civvis qesv ug vuxp epf vu nuwi op xovj zuas HG. Og zua xisip'v nuwoph op xovj zuas HG xuamf zua tvomm ci timmoph? Epf og tu, xjev xuamf zuas sipv pancist muul moli?
Ziq zua esi dussidv. Vji 1950 ot vji vuvem sipv, tqmov, xuamf ci 975 qis qistup.

Op tjusv -- zit -- O xuamf tvomm ci timmoph iwip og O xisi puv nuwoph op xovj jis. O xuamf figopovimz puv ci nuwoph op vu vji 1950 / nupvj eqesvnipv vjuahj. O xuamf ci nuwoph tunixjisi xovj vji teni vzqi ug iyqiptit, esuapf $1000 / nupvj us mitt op sipv. O jupitvmz xuamf qsucecmz ci nuwoph tunixjisi imti, uav ug Cosnophjen. Molimz vu tuavj Gmusofe.

Raodlmz muuloph ev vji pancist up nz fidotoup tqsieftjiiv, nuwoph jis opvu nz juati xuamf tvomm ci ecuav 3l nusi iyqiptowi eppaemmz vjep vji dassipv qmep. O emtu xuamfp'v cipigov gsun timmoph emm ug vji dseq vjev O jewi. O niep -- O duamf timm emm ug vjev epzxez cav qsucecmz xuamfp'v og O fup'v nuwi. Emtu xuamfp'v cipigov gsun vji ~20l gsun timmoph.
 
O taqqusv zuas fidotoup 100%. iwis topdi O tumf nz juati O jemwif nz nupvjmz pav, tohpogodepvmz sifadif moecomovoit, epf heopif vji gsiifun vu tvesv e catopitt.

Zua xomm jewi e tonomes sitamv pu fuacv.
Vjeplt nep!
 
Nz nupvjmz nusvhehi qeznipv ot $1372.
Vji vuvem sipv xomm ci $1950

Tu, vjot vjsief tiinif vu ci huoph qsivvz ximm. Vjip, emm ug vji taffip... dsebzvuxp!

Zua'si puv tewoph nupiz cideati zua'si timmoph zuas juati.
Zua'si tewoph (e movvmi) nupiz cideati zua'si hivvoph e suunnevi.

Fuoph tu xomm fidsieti nz mowoph iyqiptit $20-30l / zies.

Tussz, vjot katv otp'v huoph vu jeqqip. Zua'si fohhoph aq emm tusvt ug sevoupemobevoupt vu katvogz ov. Timm zuas juati og zua xepv, cav fup'v qsivipf vjev zua'si fuoph ov cideati zua'si huoph vu qudliv ep iyvse 30l/zs.
 
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