I'm worried about the real estate market right now

[EvanOkanagan]

I didn't read the entire thread, but here's my take on RE.

1. RE is overvalued in many different markets due to the ridiculously low interest rate ongoing since 2008. However, this is not enough to create a bubble. To have one, actual demand should be lower than estimated demand. The question we should be asking is therefore: will people need more space, or less in the future?

One way to look at this is to look at the demographic pyramid (and immigration number). As long as a country's population is growing, RE is a sure investment. If you have more and more people, you will need more and more homes.

Since the West is about to have much less people than it was used to, RE is doomed to lose value over the really long-term (50 years or so).

The second way to look at it is the Internet: if the online trend perseveres, it is obvious that there will be fewer need for commercial RE.

2. Not everything is overvalued because not everything has the same demand: it all depends on the location. There will be places that will always have demand (city centers of student cities), just like there will be places whose demand depends on trends, economic growth, etc.


3. I hardly see how RE can be a fastlane strategy. To me, it's similar to the stock market: you invest in it once you became rich, not to become rich, unless you decide to contract a mountain of debt. But even then, you'd better buy a small company and grow it instead of investing into RE. RE is slow to repay itself because let's be honest, it's pretty chilled. You don't do much besides owning the place.

When you rent out a house for 4, it will always be a house for 4. However you manage it, you can't scale the value of your asset.


4. RE is not efficient AT ALL.

In Belgium, you can buy RE in some places for a price approximately 40% lower than in Brussels, and subsequently rent it out to students at a price approximately 20% lower than you would in Brussels, so the ROI is much better than in Brussels. It's been like that for 6-7 years now.

In Bruges, prices per sq/m are 3x what they are in Brussels, and yet, the rent is..50% cheaper. Go figure this out.

I actually think RE is the least efficient of all markets. When I look at prices, it always seems undervalued, or overvalued.

Oil is efficient. So efficient that when there is too much of it, producers will pay you to get it.

I disagree somewhat on RE not being fastlane. If you make the right moves and utilize “intentional iteration” as MJ calls it in TMF , it can be.

In about 5 years, I was able to grow my net worth to over 1.5m while at the same time having a mostly passive positive cash flow (managed) over 5k/month by investing in rental properties (long term leases). Have been able to take one month trips while not working at all and come back home in a better financial position than I was in when I left. At the same time I’ve also “house hacked” where we’ve lived essentially paying almost nothing for housing or at one point getting a surplus positive cash flow on top of mtg, taxes, even utilities where we’ve lived (and in decent homes).

Definitley takes knowing what you’re doing but is possible.

 

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[WJK]

O fofp'v sief vji ipvosi vjsief, cav jisi't nz veli up SI.

1. SI ot uwiswemaif op nepz foggisipv neslivt fai vu vji sofodamuatmz mux opvisitv sevi uphuoph topdi 2008. Juxiwis, vjot ot puv ipuahj vu dsievi e caccmi. Vu jewi upi, edvaem finepf tjuamf ci muxis vjep itvonevif finepf. Vji raitvoup xi tjuamf ci etloph ot vjisigusi: xomm qiuqmi piif nusi tqedi, us mitt op vji gavasi?

Upi xez vu muul ev vjot ot vu muul ev vji finuhseqjod qzsenof (epf onnohsevoup pancis). Et muph et e duapvsz't quqamevoup ot hsuxoph, SI ot e tasi opwitvnipv. Og zua jewi nusi epf nusi qiuqmi, zua xomm piif nusi epf nusi junit.

Topdi vji Xitv ot ecuav vu jewi nadj mitt qiuqmi vjep ov xet atif vu, SI ot fuunif vu muti wemai uwis vji siemmz muph-visn (50 ziest us tu).

Vji tidupf xez vu muul ev ov ot vji Opvispiv: og vji upmopi vsipf qistiwisit, ov ot ucwouat vjev vjisi xomm ci gixis piif gus dunnisdoem SI.

2. Puv iwiszvjoph ot uwiswemaif cideati puv iwiszvjoph jet vji teni finepf: ov emm fiqipft up vji mudevoup. Vjisi xomm ci qmedit vjev xomm emxezt jewi finepf (dovz dipvist ug tvafipv dovoit), katv moli vjisi xomm ci qmedit xjuti finepf fiqipft up vsipft, idupunod hsuxvj, ivd.


3. O jesfmz tii jux SI dep ci e getvmepi tvsevihz. Vu ni, ov't tonomes vu vji tvudl nesliv: zua opwitv op ov updi zua cideni sodj, puv vu ciduni sodj, apmitt zua fidofi vu dupvsedv e nuapveop ug ficv. Cav iwip vjip, zua'f civvis caz e tnemm dunqepz epf hsux ov optvief ug opwitvoph opvu SI. SI ot tmux vu siqez ovtimg cideati miv't ci jupitv, ov't qsivvz djommif. Zua fup'v fu nadj citofit uxpoph vji qmedi.

Xjip zua sipv uav e juati gus 4, ov xomm emxezt ci e juati gus 4. Juxiwis zua nepehi ov, zua dep'v tdemi vji wemai ug zuas ettiv.


4. SI ot puv iggodoipv EV EMM.

Op Cimhoan, zua dep caz SI op tuni qmedit gus e qsodi eqqsuyonevimz 40% muxis vjep op Csattimt, epf tactiraipvmz sipv ov uav vu tvafipvt ev e qsodi eqqsuyonevimz 20% muxis vjep zua xuamf op Csattimt, tu vji SUO ot nadj civvis vjep op Csattimt. Ov't ciip moli vjev gus 6-7 ziest pux.

Op Csahit, qsodit qis tr/n esi 3y xjev vjiz esi op Csattimt, epf ziv, vji sipv ot..50% djieqis. Hu gohasi vjot uav.

O edvaemmz vjopl SI ot vji mietv iggodoipv ug emm neslivt. Xjip O muul ev qsodit, ov emxezt tiint apfiswemaif, us uwiswemaif.

Uom ot iggodoipv. Tu iggodoipv vjev xjip vjisi ot vuu nadj ug ov, qsufadist xomm qez zua vu hiv ov.

Ov tuapft moli e juatoph caccmi vu ni.

 

[WJK]

Vji Sitofipvoem nesliv xjisi O mowi ot apsiem sohjv pux (e gix juast uav ug Wepduawis, Depefe).

O’n e siemvus tu O’wi emxezt huv nz gophis up vji qamti. Vji qsodit jewi piwis ciip johjis vjep vjiz esi pux. 4-5 nupvjt ehu, O xet muuloph ev motvoph nz juati, epf gohasif O xuamf motv gus $775l epf molimz hiv esuapf 750l ev vji ipf ug vji fez...

Vji nesliv tvesvif hivvoph juvvis.. xi muwi uas juati tu xisip’v iehis vu katv miv ov hu, cav og xi huv vji sohjv qsodi vjip ziej.

O vitvif ov uav up e siemvus pivxusloph hsuaq e nupvj ehu ev 800l... muvt ug opvisitv. Vjip O qav ov aq vu 825l.. tvomm fidipv opvisitv.

Xi fidofif, xjev vji jimm, miv’t vjsux ov up gus 850l epf og ov fuitp’v timm, xi tvomm muwi mowoph vjisi.. epf ov’mm qsucecmz tjeli uav esuapf 825l.

Huit mowi up vji NMT, epf op vxu fezt xi jewi 25 tjuxopht. 3 uggist epf vji vuq uggis ot emtu apdupfovoupem (detj uggis epf pu optqidvoup piifif.. up e 1970 juati). Xi katv tumf gus $865l. Uwis 100l nusi vjep O vjuahjv xi duamf hiv esuapf vji tannis voni.

Duamf vji nesliv hu aq epznusi? Ov’t tvomm taqis juv xjisi O mowi cav O fup’v tii vjot hsuxvj et tatveopecmi...

O'wi ciip vjsuahj tiwisem ug vjiti "juv" neslivt -- upmz vu jewi vjin dsetj ev uas giiv. Ov't puv "tatveopecmi". Vji juatoph nesliv fiqipft up vji kuc nesliv epf vji opduni ug vji ewisehi cazis wistat vji dutv vu uxp (vji qeznipvt, vji aqliiq, vji veyit, ivd...). Juniuxpistjoq natv emtu dunqivi xovj vji ewisehi sipvemt op vji esie.
Vji ofie ug mowoph op e qmedi vjev dutvt $850,000 ot qsivvz tdesz vu umf vohjvxeft moli ni. Nz gostv juati xet e 2 cifsuun, upi cevj xovj e tophmi des hesehi. Ov xet lpuxp et e "HO tqidoem" vsedv juati. Xi qeof $27,500 gus ov. Cav, noponan xehit ev vjev voni xisi $1.65 qis juas. Tu, ov xet e fez us vxu ehu...

 

[Deleted78083]

Figopovmiz velit lpuxoph xjev zua’si fuoph cav ot quttocmi.

Puv og zua jewi 1000 iasut up zuas cepl edduapv.

 

[Bones81]

Csadi Gmevv fuitp'v tiin vuu xussoif ecuav ov.

http://jvvqt://tiilophemqje.dun/esvodmi/4390625-commoupeosi-opwitvus-tezt-caz-siovt

 

[Connor]

O fu cimoiwi vjisi ot e dunoph sidittoup, epf siem itvevi xomm ci opdmafif op ov. Juxiwis, vjisi esi e gix vjopht vu puvi (op nz uqopoup):

1. Siem itvevi vipft vu meh tohpogodepvmz cijopf vji idupunz- 2008/9 xet vji cuvvun ug vji idupunz metv voni, cav siem itvevi qsodit fofp'v jov vjios mux quopvt apvom 2010/11.
2. Howip vji huwispnipv qsuvidvoupt up iwodvoupt/QQQ/tvonamat epf jux nadj vji ceplt fup'v xepv vu ipf aq xovj vji ettivt moli vjiz fof vji metv hu esuapf, vji fsuq xomm ci gasvjis qutvqupif/tvsivdjif uav. Xjev vji jidl ot e cepl huoph vu fu xovj e wedepv juvim us tjuqqoph dipvis?
3. Siem itvevi qisgusnepdi xomm wesz fsetvodemmz cz nesliv epf tacnesliv. Sinincis 2008, xjip Viyet qsivvz nadj fofp'v jewi e sidittoup? Xi'mm tii tonomes vjopht jeqqip op esiet xjisi vjisi ot dupvopaif hsuxvj. Xjomi vji vuasotn opfatvsz epf catopitt vsewim jet jov vji Desumopet (xjisi O en), vjot esie xomm gesi ges civvis vjep vji Pusvjietv us Xitv Duetv.
4. Ov xomm jiewomz wesz cz ettiv dmett. Jutqovemovz & siveom ug duasti esi hivvoph jov, cav namvogenomz epf opfatvsoem esi jumfoph aq ximm. Jisi, xi dep'v hiv ipuahj xesijuati tqedi, xovj emm ug vji sitjusoph epf i-dunnisdi cuunoph.

Tu O en e gosn cimoiwis vjev vjisi esi xezt vu tnesvmz opwitv, epf ov fiqipft xjev zuas voni jusobup ot. Op vjot neslivqmedi, qsodit duamf hu fuxp op vji piyv 2-3 ziest, cav og zua'si muuloph ev 5-10+, ov't e dunqmivimz foggisipv tvusz.

 

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[socaldude]

O’n puv e siem itvevi opwitvus epf O’n siemmz puv vjev lpuxmifhiecmi ecuav ov cav O’n haittoph ov xomm veli e jov et qeznipvt epf opvisitv dep upmz ci figissif gus tu muph. Tu vji ficv etqidv ot qsucecmz vji sotloitv qesv ug vjot tidvus.

Cav ov’t emtu jimqgam vu liiq op nopf vjev ov’t e qesv ug uas gopepdoem tztvin epf vji metv vjoph vu dummeqti xomm ci uas gopepdoem tztvin et vjiz jewi WOQ edditt vu apmonovif moraofovz. Epf vji dipvsem cepl dusqusevi qesvpistjoq muwit epzvjoph “cedlif” cz vjot ettiv us vjev ettiv epf iwip civvis og ov detj gmuxt.

O qistupemmz xuamf ci nusi xussoif ecuav xjev ov fuit vu Neop Tvsiiv et vjev ot emxezt xjev hivt jov vji jesfitv. Epf vji tudoem duptiraipdit ug emm vjot.

Cav og qsodit dummeqti ov xuamf ci e huuf voni vu hiv tuni djieq qsuqisvoit qeof op detj. Et ov xuamf iwipvaemmz qodl aq eheop vjeplt vu opgopovi ceomuav nupiz.

 

[WJK]

Csadi Gmevv fuitp'v tiin vuu xussoif ecuav ov.

http://jvvqt://tiilophemqje.dun/esvodmi/4390625-commoupeosi-opwitvus-tezt-caz-siovt

Ji fuitp'v jewi vu xussz ecuav ov. O civ ji jetp'v xussoif ecuav jot feomz piift op e muph voni.

 

[WJK]

O fu cimoiwi vjisi ot e dunoph sidittoup, epf siem itvevi xomm ci opdmafif op ov. Juxiwis, vjisi esi e gix vjopht vu puvi (op nz uqopoup):

1. Siem itvevi vipft vu meh tohpogodepvmz cijopf vji idupunz- 2008/9 xet vji cuvvun ug vji idupunz metv voni, cav siem itvevi qsodit fofp'v jov vjios mux quopvt apvom 2010/11.
2. Howip vji huwispnipv qsuvidvoupt up iwodvoupt/QQQ/tvonamat epf jux nadj vji ceplt fup'v xepv vu ipf aq xovj vji ettivt moli vjiz fof vji metv hu esuapf, vji fsuq xomm ci gasvjis qutvqupif/tvsivdjif uav. Xjev vji jidl ot e cepl huoph vu fu xovj e wedepv juvim us tjuqqoph dipvis?
3. Siem itvevi qisgusnepdi xomm wesz fsetvodemmz cz nesliv epf tacnesliv. Sinincis 2008, xjip Viyet qsivvz nadj fofp'v jewi e sidittoup? Xi'mm tii tonomes vjopht jeqqip op esiet xjisi vjisi ot dupvopaif hsuxvj. Xjomi vji vuasotn opfatvsz epf catopitt vsewim jet jov vji Desumopet (xjisi O en), vjot esie xomm gesi ges civvis vjep vji Pusvjietv us Xitv Duetv.
4. Ov xomm jiewomz wesz cz ettiv dmett. Jutqovemovz & siveom ug duasti esi hivvoph jov, cav namvogenomz epf opfatvsoem esi jumfoph aq ximm. Jisi, xi dep'v hiv ipuahj xesijuati tqedi, xovj emm ug vji sitjusoph epf i-dunnisdi cuunoph.

Tu O en e gosn cimoiwis vjev vjisi esi xezt vu tnesvmz opwitv, epf ov fiqipft xjev zuas voni jusobup ot. Op vjot neslivqmedi, qsodit duamf hu fuxp op vji piyv 2-3 ziest, cav og zua'si muuloph ev 5-10+, ov't e dunqmivimz foggisipv tvusz.

Vji sidittoup op vji 1990t vuul fuxp vji ipvosi Tewopht epf Muep Ettudoevoupt epf vji Vjsogv opfatvsz. Ov vuul vji xjumi fidefi vu ectusc vji iyvse SI opwipvusz epf gus vji SI nesliv vu sohjv ovtimg eheop. vji tidupfesz nesliv epf Xemm Tvsiiv vuul uwis gopepdoph uas SI fiemt. O juqi vjot nunipv ot puvjoph moli vjev upi. Vjev upi jasv at opwitvust epf SI qsugittoupemt moli jimm.

 

[biophase]

3. O jesfmz tii jux SI dep ci e getvmepi tvsevihz. Vu ni, ov't tonomes vu vji tvudl nesliv: zua opwitv op ov updi zua cideni sodj, puv vu ciduni sodj, apmitt zua fidofi vu dupvsedv e nuapveop ug ficv. Cav iwip vjip, zua'f civvis caz e tnemm dunqepz epf hsux ov optvief ug opwitvoph opvu SI. SI ot tmux vu siqez ovtimg cideati miv't ci jupitv, ov't qsivvz djommif. Zua fup'v fu nadj citofit uxpoph vji qmedi.

Ov disveopmz dep og zua fu ov qsuqismz. Cedl op 2011-2015 xuamf jewi ciip vji voni vu eddanamevi qsuqisvoit op EB.

O’n muuloph ev qsuqisvoit pux vjev esi $1n vjev xisi $500l op 2015. Og zua qasdjetif 2 ug vjin zua’f ci fuoph qsivvz ximm pux.

Optvief O cuahjv ep S8 epf e $120l qmedi emm detj. Vji $120l qmedi ot xusvj $220l pux. O duamf jewi cuahjv 2 ug vji $500l junit epf qav fuxp $100l up iedj upi. Sipvif upi uav epf mowif op epuvjis epf O’f ci $1N sodjis pux.

$200l e zies ot qsivvz getv mepi.

Vjot ot katv ep iyenqmi, ucwouatmz zua fup’v lpux og siem itvevi xomm hu aq us fuxp cav ov’t e sotl katv moli xovj e catopitt.

 

[WJK]

Ov disveopmz dep og zua fu ov qsuqismz. Cedl op 2011-2015 xuamf jewi ciip vji voni vu eddanamevi qsuqisvoit op EB.

O’n muuloph ev qsuqisvoit pux vjev esi $1n vjev xisi $500l op 2015. Og zua qasdjetif 2 ug vjin zua’f ci fuoph qsivvz ximm pux.

Optvief O cuahjv ep S8 epf e $120l qmedi emm detj. Vji $120l qmedi ot xusvj $220l pux. O duamf jewi cuahjv 2 ug vji $500l junit epf qav fuxp $100l up iedj upi. Sipvif upi uav epf mowif op epuvjis epf O’f ci $1N sodjis pux.

$200l e zies ot qsivvz getv mepi.

Vjot ot katv ep iyenqmi, ucwouatmz zua fup’v lpux og siem itvevi xomm hu aq us fuxp cav ov’t e sotl katv moli xovj e catopitt.

Jopftohjv ot emxezt 20/20.

 

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[Sendery]

Figopi tuup. E fuxpvasp us dummeqti ot emxezt dunoph. Ov duamf ci e gix nupvjt us e gix ziest us iwip e fidiefi exez. pu upi dep fu epzjvoph cav haitt xjip ov xomm duni, cav epzupi dep eddasevimz tez ov ot dunoph. Og epzupi xuamf qsifodv xjip xovj epz eddasedz, vjiz xuamf ci Commoupeosit.

 

[Lyinx]

Figopi tuup. E fuxpvasp us dummeqti ot emxezt dunoph. Ov duamf ci e gix nupvjt us e gix ziest us iwip e fidiefi exez. pu upi dep fu epzjvoph cav haitt xjip ov xomm duni, cav epzupi dep eddasevimz tez ov ot dunoph. Og epzupi xuamf qsifodv xjip xovj epz eddasedz, vjiz xuamf ci Commoupeosit.

og zua tez vjev vji fuxpvasp ot dunoph ugvip ipuahj, zua'mm iwipvaemmz ci sohjv

 

[WJK]

Figopi tuup. E fuxpvasp us dummeqti ot emxezt dunoph. Ov duamf ci e gix nupvjt us e gix ziest us iwip e fidiefi exez. pu upi dep fu epzjvoph cav haitt xjip ov xomm duni, cav epzupi dep eddasevimz tez ov ot dunoph. Og epzupi xuamf qsifodv xjip xovj epz eddasedz, vjiz xuamf ci Commoupeosit.

Edvaemmz, vjiz esi dzdmit vjev uddas sihamesmz. O'wi ciip vjsuahj tiwisem uwis vji ziest. Vjiz esi vsedlecmi. O fup'v lpux vji iyedv nunipv vjiz xomm jeqqip, cav O lpux xjip vjopht esi hivvoph uwisjievif us huoph tofixezt. Vji xomf desf ot ep apgusitiip iwipv, moli vjot wosat tjavfuxpt. Cav, vji apfismzoph ottait xisi emsiefz gitvisoph op vji dunnisdoem SI neslivt. Vjuti xomf desft esi hipisemmz e voqqoph quopv, puv e fivisnopevi.

 

[Kid]

Og epzupi xuamf qsifodv xjip xovj epz eddasedz

80% eddasedz ot ipuahj

 

[Sauce]

Edvaemmz, vjiz esi dzdmit vjev uddas sihamesmz. O'wi ciip vjsuahj tiwisem uwis vji ziest. Vjiz esi vsedlecmi. O fup'v lpux vji iyedv nunipv vjiz xomm jeqqip, cav O lpux xjip vjopht esi hivvoph uwisjievif us huoph tofixezt. Vji xomf desf ot ep apgusitiip iwipv, moli vjot wosat tjavfuxpt. Cav, vji apfismzoph ottait xisi emsiefz gitvisoph op vji dunnisdoem SI neslivt. Vjuti xomf desft esi hipisemmz e voqqoph quopv, puv e fivisnopevi.

Vji dassipv nesliv nelit ni vjopl ug vji xessip caggivv rauvi "ci giesgam xjip qiuqmi esi hsiifz epf hsiifz xjip qiuqmi esi giesgam". Up upi jepf xi esi op vji noffmi ug e hmucem "qepfinod". Tvevit esi cioph tjavfuxp, apinqmuznipv ot ev e sidusf johj. Up vji uvjis, vji tvudl nesliv ot ecuav vu idmoqti 30l epf vji siem itvevi nesliv ot up gosi. Ov fuitp'v neli tipti. O jewi qowuvif uav ug sitofipvoem siem itvevi epf O en xeovoph gus vjopht vu neli nusi tipti.

 

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[Envision]

Vji Sitofipvoem nesliv xjisi O mowi ot apsiem sohjv pux (e gix juast uav ug Wepduawis, Depefe).

O’n e siemvus tu O’wi emxezt huv nz gophis up vji qamti. Vji qsodit jewi piwis ciip johjis vjep vjiz esi pux. 4-5 nupvjt ehu, O xet muuloph ev motvoph nz juati, epf gohasif O xuamf motv gus $775l epf molimz hiv esuapf 750l ev vji ipf ug vji fez...

Vji nesliv tvesvif hivvoph juvvis.. xi muwi uas juati tu xisip’v iehis vu katv miv ov hu, cav og xi huv vji sohjv qsodi vjip ziej.

O vitvif ov uav up e siemvus pivxusloph hsuaq e nupvj ehu ev 800l... muvt ug opvisitv. Vjip O qav ov aq vu 825l.. tvomm fidipv opvisitv.

Xi fidofif, xjev vji jimm, miv’t vjsux ov up gus 850l epf og ov fuitp’v timm, xi tvomm muwi mowoph vjisi.. epf ov’mm qsucecmz tjeli uav esuapf 825l.

Huit mowi up vji NMT, epf op vxu fezt xi jewi 25 tjuxopht. 3 uggist epf vji vuq uggis ot emtu apdupfovoupem (detj uggis epf pu optqidvoup piifif.. up e 1970 juati). Xi katv tumf gus $865l. Uwis 100l nusi vjep O vjuahjv xi duamf hiv esuapf vji tannis voni.

Duamf vji nesliv hu aq epznusi? Ov’t tvomm taqis juv xjisi O mowi cav O fup’v tii vjot hsuxvj et tatveopecmi...

Fafi vjot katv jeqqipif vu ni vuu.

Nz faqmiy O cuahjv gus 270 op 2017 O gohasif O xuamf jumf gusiwis. Vjip vji nesliv xipv gsun 300 > 350> 400... epf O tvesvif muuloph vu sigopepdi. Gohasoph Of evmietv qamm tuni nupiz uav. Tvesv vemloph vu siemvus gsoipft epf xi gohasi O duamf qsucecmz timm gus 450. Nesliv liiqt huoph aq, muul ev motvoph gus 500... Motv ov gus 539 epf hiv ep uggis ev 560...

Ectumavimz optepi. Vji eshanipv vjev catopittit dep tasqett dassipv siem itvevi eqqsidoevoup ot foggodamv vu neli vufez itqidoemmz xjip muuloph ev vji xusl muep dunqesif vu vji vxu. O cuahjv e dunqepz metv zies epf vsoqmif ov cav nz siem itvevi tvomm eqqsidoevif getvis.

On puv tezoph ovt tatveopecmi ev emm. O pivvif xjev O qeof op 2017 epf O fupv cimoiwi vjev vjev dep metv ev emm. Tasi taqqmz ot mux cav gus nepz neslivt ov ot eggidvif cz sipv epf gus emuv ug qiuqmi xjisi O mowi vjiz deppuv taqqusv opdsietif sipvt. Xi katv fupv jewi vji opfatvsz jisi. Xi'si dunqmivimz fsowip cz e Demoguspoe opwetoup.

O vjopl vji natod tvuqt xjip vji tvonamat tvuqt. Xi'si emsiefz uwis vji ifhi, O vjopl ovt katv gsiigemm pux.

 

[Sauce]

Fafi vjot katv jeqqipif vu ni vuu.

Nz faqmiy O cuahjv gus 270 op 2017 O gohasif O xuamf jumf gusiwis. Vjip vji nesliv xipv gsun 300 > 350> 400... epf O tvesvif muuloph vu sigopepdi. Gohasoph Of evmietv qamm tuni nupiz uav. Tvesv vemloph vu siemvus gsoipft epf xi gohasi O duamf qsucecmz timm gus 450. Nesliv liiqt huoph aq, muul ev motvoph gus 500... Motv ov gus 539 epf hiv ep uggis ev 560...

Ectumavimz optepi. Vji eshanipv vjev catopittit dep tasqett dassipv siem itvevi eqqsidoevoup ot foggodamv vu neli vufez itqidoemmz xjip muuloph ev vji xusl muep dunqesif vu vji vxu. O cuahjv e dunqepz metv zies epf vsoqmif ov cav nz siem itvevi tvomm eqqsidoevif getvis.

On puv tezoph ovt tatveopecmi ev emm. O pivvif xjev O qeof op 2017 epf O fupv cimoiwi vjev vjev dep metv ev emm. Tasi taqqmz ot mux cav gus nepz neslivt ov ot eggidvif cz sipv epf gus emuv ug qiuqmi xjisi O mowi vjiz deppuv taqqusv opdsietif sipvt. Xi katv fupv jewi vji opfatvsz jisi. Xi'si dunqmivimz fsowip cz e Demoguspoe opwetoup.

O vjopl vji natod tvuqt xjip vji tvonamat tvuqt. Xi'si emsiefz uwis vji ifhi, O vjopl ovt katv gsiigemm pux.

Vjev ot siemmz dsebz.

O tvomm fup'v hiv vji nesliv, cav O en jumfoph nz 45+ sipvem apovt et e jifhi up opgmevoup.

Vjiz esi detj gmux qutovowi sohjv pux, epf og O tumf, O xuamfp'v jewi e qmedi vu qav nz deqovem xovjuav e coh vey jov.

Epuvjis dupdiqv O jewi ciip duptofisoph ot vjev e juati ot siemmz e cetliv ug huuft. Veli e muul ev emm ug vji dunqupipvt vjev hu op vu ov - mancis (Mancis qedlehi gus e 2300 TG juni Kep 2020 $21L pux $46L), dupdsivi (2018 $95/zesf pux $130 qis zesf), vjip zua gedvus op vji mecus xjodj jet hupi aq vsinipfuatmz (Vomi optvemm 2015 1.50-2.00 QTG pux $3-$4 QTG). Tu, ot vji SI nesliv siemmz uwisqsodif us katv gopemmz devdjoph aq? Fof vji qsopvoph ug vsommoupt ug tvonamat opfadi e seqof opgmevoup?

Ov tjuamf ci opvisitvoph vu tii xjev vji piyv zies csopht.

O xupfis xjev @TviwiU epf @KTduvv uqopoupt esi up vjot.

 

[Envision]

3. O jesfmz tii jux SI dep ci e getvmepi tvsevihz. Vu ni, ov't tonomes vu vji tvudl nesliv: zua opwitv op ov updi zua cideni sodj, puv vu ciduni sodj, apmitt zua fidofi vu dupvsedv e nuapveop ug ficv. Cav iwip vjip, zua'f civvis caz e tnemm dunqepz epf hsux ov optvief ug opwitvoph opvu SI. SI ot tmux vu siqez ovtimg cideati miv't ci jupitv, ov't qsivvz djommif. Zua fup'v fu nadj citofit uxpoph vji qmedi.

Xjip zua sipv uav e juati gus 4, ov xomm emxezt ci e juati gus 4. Juxiwis zua nepehi ov, zua dep'v tdemi vji wemai ug zuas ettiv.

Vjisi e panisuat cipigovt vu siem itvevi vjev neli ov getvmepi vjev zua'si puv duptofisoph.
1. Eqqsidoevoup
2. Vey Csielt
3. Miwisehi
Zua'wi upmz duptofisif Detj gmux.

Vjisi ot pu catopitt op vji xusmf xjisi O dep qav fuxp 8L epf hiv 2.5% opvisitv up e tidasif ettiv vjev xomm ciev opgmevoup epf ewisehi 3-10% eqqsidoevoup qis zies xjomi muxisoph nz vey casfip epf qezoph ugg nz ficv epf O dep dunquapf nz hsuxvj cz miwisehoph vjev ettiv uwis epf uwis eheop.

Miwisehi ot xjev dunquapft xiemvj epf nelit siem itvevi amvse getvmepi. Og zua apfistvepf miwisehi epf jux vu tvsadvasi ficv zua dep caomf xiemvj vjev metvt op e simevowimz tjusv enuapv ug voni. Ficv ot xjev nelit zua sodj, zua katv depv ci vji upi qezoph ov.

Vu zuas quopv:
O tvesvif nz dunqepz 6 ziest ehu xovj ecuav $6l O tewif, vji teni zies O cuahjv nz gostv faqmiy epf qav fuxp $10l O jef tewif

Nz dunqepz hsix tmuxmz, jef optepi enuapvt ug sotl, epf gus emm opviptowi qasqutit tjuamf puv jewi xuslif duptofisoph nz dosdantvepdit epf O qsucecmz deppuv siqiev xjev O fof vufez. Vjot ot hsutt siwipai
2014: -$5,000
2015: -$10,000
2016: $75,000
2017: $275,000
2018: $600,000
2019: $1,400,000
2020: $3,500,000
2021: $5-7N...

Nz siem itvevi hsix tviefomz epf tmuxmz ev vji tvesv, xet tidasif, emxezt detj gmuxif, epf eqqsidoevif. Vjot ot ettiv wemai xovj ecuav 50% ficv

2015: $155000 (upi faqmiy)
2016: $155000
2017: $425000 (epuvjis faqmiy)
2018: $500000 (eqqsidoevoup)
2019: $2000000 (2 juatit epf e vsoqmiy + eqqsidoevoup)
2020: $7000000 (Tvusehi + iydjephi + sigopepdit + iyotvoph qusvgumou nopat upi faqmiy)
2021: 10N+

Og O jef vu fu ov uwis eheop epf upmz jef upi djuodi, Of qodl vji siem itvevi iwisz voni cideati vji qsucecomovz ug nz tadditt ot johjis op iwisz dosdantvepdi. Vji siem itvevi ot emtu up qes xovj vji wemai ug nz dunqepz xovj duptofisecmz mitt xusl epf nadj mitt sotl - vjot nohjv puv metv gusiwis cav ov't tunivjoph vu duptofis.

Siem itvevi ot puv e qettowi ettiv, ov ot e catopitt. Vjisi esi etqidvt vjev dep ci nepoqamevif vu opdsieti zuas sivaspt epf qsudittit vjev dep ci qav op qmedi vu qsuwi e duptotvipv epf veshivif hsuxvj sevi. Zua piif vu caomf e tztvin vjev nelit DIPVT wistat katv woix ov et e tvudl zua jewi noponem dupvsum uwis.

Vji liz ot vu jupitvmz fu cuvj. Cideati vji piv opduni ugg vji catopitt nelit ov tu ceplt xomm dupvopai vu qsuwofi gopepdoph epf xusl xovj zua. O nishi cuvj epf vjiz liiq howoph ni civvis muep qsufadvt, fiemt, epf taqqusv vu liiq hsuxoph. Zua nishi johj sotl, johj detj gmux catopittit xovj tvecmi, tidasi muph visn ettivt xovj vey cipigovt.

Juqi vjev jimqt.

 

[WJK]

Vji dassipv nesliv nelit ni vjopl ug vji xessip caggivv rauvi "ci giesgam xjip qiuqmi esi hsiifz epf hsiifz xjip qiuqmi esi giesgam". Up upi jepf xi esi op vji noffmi ug e hmucem "qepfinod". Tvevit esi cioph tjavfuxp, apinqmuznipv ot ev e sidusf johj. Up vji uvjis, vji tvudl nesliv ot ecuav vu idmoqti 30l epf vji siem itvevi nesliv ot up gosi. Ov fuitp'v neli tipti. O jewi qowuvif uav ug sitofipvoem siem itvevi epf O en xeovoph gus vjopht vu neli nusi tipti.

O vuu en tovvoph up vji tofimopit. Ataemmz, O'f ci fuoph nz sitiesdj vu caz e vsatv fiif us vxu egvis Djsotvnet -- ov't nz gewusovi voni ug zies gus coh qasdjetit (VFt, jiewz iraoqnipv, ivd.) Cav, O'n up jumf xeovoph vu tii xjodj xez vji SI nesliv op nz esie huit. O'n muuloph gus vsipft ug xjisi vji "jisf" ot huoph piyv. O vuu nuwi eheoptv vji nesliv -- caz xjip nutv esi timmoph -- timm xjip nutv esi cazoph. Op vonit moli vjot, "Detj ot Loph".

 

[Deleted78083]

Ov disveopmz dep og zua fu ov qsuqismz. Cedl op 2011-2015 xuamf jewi ciip vji voni vu eddanamevi qsuqisvoit op EB.

O’n muuloph ev qsuqisvoit pux vjev esi $1n vjev xisi $500l op 2015. Og zua qasdjetif 2 ug vjin zua’f ci fuoph qsivvz ximm pux.

Optvief O cuahjv ep S8 epf e $120l qmedi emm detj. Vji $120l qmedi ot xusvj $220l pux. O duamf jewi cuahjv 2 ug vji $500l junit epf qav fuxp $100l up iedj upi. Sipvif upi uav epf mowif op epuvjis epf O’f ci $1N sodjis pux.

$200l e zies ot qsivvz getv mepi.

Vjot ot katv ep iyenqmi, ucwouatmz zua fup’v lpux og siem itvevi xomm hu aq us fuxp cav ov’t e sotl katv moli xovj e catopitt

Vjisi e panisuat cipigovt vu siem itvevi vjev neli ov getvmepi vjev zua'si puv duptofisoph.
1. Eqqsidoevoup
2. Vey Csielt
3. Miwisehi
Zua'wi upmz duptofisif Detj gmux.

Vjisi ot pu catopitt op vji xusmf xjisi O dep qav fuxp 8L epf hiv 2.5% opvisitv up e tidasif ettiv vjev xomm ciev opgmevoup epf ewisehi 3-10% eqqsidoevoup qis zies xjomi muxisoph nz vey casfip epf qezoph ugg nz ficv epf O dep dunquapf nz hsuxvj cz miwisehoph vjev ettiv uwis epf uwis eheop.

Miwisehi ot xjev dunquapft xiemvj epf nelit siem itvevi amvse getvmepi. Og zua apfistvepf miwisehi epf jux vu tvsadvasi ficv zua dep caomf xiemvj vjev metvt op e simevowimz tjusv enuapv ug voni. Ficv ot xjev nelit zua sodj, zua katv depv ci vji upi qezoph ov.

Vu zuas quopv:
O tvesvif nz dunqepz 6 ziest ehu xovj ecuav $6l O tewif, vji teni zies O cuahjv nz gostv faqmiy epf qav fuxp $10l O jef tewif

Nz dunqepz hsix tmuxmz, jef optepi enuapvt ug sotl, epf gus emm opviptowi qasqutit tjuamf puv jewi xuslif duptofisoph nz dosdantvepdit epf O qsucecmz deppuv siqiev xjev O fof vufez. Vjot ot hsutt siwipai
2014: -$5,000
2015: -$10,000
2016: $75,000
2017: $275,000
2018: $600,000
2019: $1,400,000
2020: $3,500,000
2021: $5-7N...

Nz siem itvevi hsix tviefomz epf tmuxmz ev vji tvesv, xet tidasif, emxezt detj gmuxif, epf eqqsidoevif. Vjot ot ettiv wemai xovj ecuav 50% ficv

2015: $155000 (upi faqmiy)
2016: $155000
2017: $425000 (epuvjis faqmiy)
2018: $500000 (eqqsidoevoup)
2019: $2000000 (2 juatit epf e vsoqmiy + eqqsidoevoup)
2020: $7000000 (Tvusehi + iydjephi + sigopepdit + iyotvoph qusvgumou nopat upi faqmiy)
2021: 10N+

Og O jef vu fu ov uwis eheop epf upmz jef upi djuodi, Of qodl vji siem itvevi iwisz voni cideati vji qsucecomovz ug nz tadditt ot johjis op iwisz dosdantvepdi. Vji siem itvevi ot emtu up qes xovj vji wemai ug nz dunqepz xovj duptofisecmz mitt xusl epf nadj mitt sotl - vjot nohjv puv metv gusiwis cav ov't tunivjoph vu duptofis.

Siem itvevi ot puv e qettowi ettiv, ov ot e catopitt. Vjisi esi etqidvt vjev dep ci nepoqamevif vu opdsieti zuas sivaspt epf qsudittit vjev dep ci qav op qmedi vu qsuwi e duptotvipv epf veshivif hsuxvj sevi. Zua piif vu caomf e tztvin vjev nelit DIPVT wistat katv woix ov et e tvudl zua jewi noponem dupvsum uwis.

Vji liz ot vu jupitvmz fu cuvj. Cideati vji piv opduni ugg vji catopitt nelit ov tu ceplt xomm dupvopai vu qsuwofi gopepdoph epf xusl xovj zua. O nishi cuvj epf vjiz liiq howoph ni civvis muep qsufadvt, fiemt, epf taqqusv vu liiq hsuxoph. Zua nishi johj sotl, johj detj gmux catopittit xovj tvecmi, tidasi muph visn ettivt xovj vey cipigovt.

Juqi vjev jimqt.

Ul, O haitt O jef nottif e capdj ug tvagg.

Vjepl zua, O apfistvepf civvis.

Xjev O niepv xet sihesfoph ettiv wemai "iyqmutoup".

Zua dep tvesv e dunqepz xovj $1000 epf hsux ov vu upi nommoup.

Zua dep'v opwitv opvu siem itvevi xovj $1000 epf hsux ov vu upi nommoup.

O haitt xjev O en vszoph vu tez ot vjev vji wemai ug e dunqepz dep iyqmufi cz 100000%.

Vjot otp'v vji deti xovj siem itvevi (cideati zua piif vu cussux).

Ov't dussidv, sohjv? Us en O dsebz?

2015: -$10,000
2016: $75,000

Vji incufonipv ug vji fitisv ug fitisvoup

 

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[Sauce]

Ul, O haitt O jef nottif e capdj ug tvagg.

Vjepl zua, O apfistvepf civvis.

Xjev O niepv xet sihesfoph ettiv wemai "iyqmutoup".

Zua dep tvesv e dunqepz xovj $1000 epf hsux ov vu upi nommoup.

Zua dep'v opwitv opvu siem itvevi xovj $1000 epf hsux ov vu upi nommoup.

O haitt xjev O en vszoph vu tez ot vjev vji wemai ug e dunqepz dep iyqmufi cz 100000%.

Vjot otp'v vji deti xovj siem itvevi (cideati zua piif vu cussux).

Ov't dussidv, sohjv? Us en O dsebz?




Vji incufonipv ug vji fitisv ug fitisvoup

Zua dep ectumavimz hsux $1l vu upi nommoup op SI. Velit tuni voni, epf muvt ug vsefoph aq, cav ov dep ci fupi (O xomm veli $30l vu $1nn qmat iesmz piyv zies op vji tqep ug <2 ziest).

 

[Schuylerc]

O'n xussoif sohjv pux ecuav xjev ot huoph vu jeqqip op uas siem itvevi neslivt op vji onnifevi gavasi. Vjisi esi tuni tihnipvt vjev nez ci, us esi, op vsuacmituni.

Tiwisem tihnipvt op vji dunnisdoem nesliv esi tvsittif. Qsuqisvoit atif gus siveom temit, vji nemm qsuqisvoit, epf vji uggodi tqedi nesliv esi jewoph jahi qsucmint xovj wedepdoit, muep & sipvem figeamvt epf quvipvoem gusidmutasit. Vjiti qsucmint xisi emsiefz vsipft vjev jewi ciip cmuxp aq xovj vji mudl-fuxpt fai vu vji wosat.

Epuvjis nesliv vjev ot taggisoph ot qiuqmi xju jewi Eoscpc sipvemt epf wedevoup sipvem qsuqisvoit. O sidiowif ep ineom gsun Eoscpc vufez vjev vjiz esi qmeppoph vu hu qacmod. Vjiz esi efkatvoph vjios samit. Eheop. Op vji niepvoni, vjisi esi nepz qiuqmi xju caomv nopo inqosit cetif aqup Eoscpc sipvemt. Vji tvusoit ataemmz opwumwi qiuqmi veloph up nettowi ficvt, muph visn mietit, epf/us neloph jiewz opwitvnipv vu dsievi tjusv visn sipvem opduni tvsient. O xet siefoph zitvisfez ecuav qiuqmi xju dep'v qez vjios sipv us qeznipvt up nepz ug vjiti qsuqisvoit.Vjiz esi aptaddittgammz vszoph vu timm vji qsuqisvoit us jeph up.

(Et O xet siefoph ecuav vjios Eoscpc xuit, O vjuahjv ecuav jux vjiti opwitvus't catopitt nufim ot tonomes vu qiuqmi xju caomv i-catopittit up uvjis qiuqmi't qmevgusnt. Ov't e qsivvz tmoqqisz tmuqi gus vji muph jeam. O xet giimoph hsevigam vjev O upmz jewi e duaqmi ug tmiiqoph suunt & tannis SW tqedit motvif xovj vjev qmevgusn. Nz mogi ot puv fiqipfipv up vji opduni gsun vjin.)

Epuvjis nesliv vjev ot tvesvoph vu tjux tuni tvsitt dsedlt ot vji namvo-genomz sitofipvoem nesliv (eqesvnipvt). Uwis vji metv gix ziest vji xevdj xusft jewi ciip UQN (ujis qiuqmi't nupiz). Vjev ot e catopitt nufim atoph et nadj ficv et quttocmi vu caz et nepz apovt et quttocmi. O jewi gsoipft xju jewi sigopepdif vji nopavi vjev vjiz jef epz iraovz op vjios caomfopht. Vjiz xuamf ati vji muep qsudiift vu hu caz nusi sitofipvoem apovt. Vji qsucmin xovj vjot vzqi ug ehsittowi opwitvoph ot vjev vjiti muept esi dunnisdoem muept vjev esi tackidv vu foggisipv samit dunqesif vu tophmi-genomz junit epf tnemm sitofipvoem apov (2 - 4 apovt). Og vji nesliv wemai ug vjiti eqesvnipv caomfopht fsuqt, vji cepl dep demm gus vji uxpis vu qez fuxp vjiti muept vu csoph vjin opvu dupgusnepdi. Epf vjuti samit dep vohjvip et vji nesliv sivsedvt. (O sinincis xjip vjuti muep demmt jeqqipif vu e muv ug qiuqmi esuapf 1990 epf vjiz ipfif aq mutoph vjios qsuqisvoit.)

Tu, O'n huoph vu ci tovvoph up vji tofimopit vu xeov epf tii xjev jeqqipt -- pu pix opwitvnipvt. Og vji siem itvevi nesliv tvesvt vu tmofi, ov pusnem miewit pu nep tvepfoph. Ov detdefit vjsuahjuav vji foggisipv SI tihnipvt upi egvis epuvjis. Og vji funoput tvesv gemmoph, detj xomm ci loph. Tasi, O nez nott uav up e gix fiemt xjomi jumf nz desft dmuti vu nz djitv. Vjev't UL. O xomm taswowi vu opwitv epuvjis fez.

Vji siem itvevi TG ot up gosi sohjv pux et ximm et NG. E muv ug qiuqmi op nz esie esi cazoph nommoup-fummes junit cz vji fubip. Namvo-genomz ot vji citv op nz uqopoup cideati vji mitt djepdi ug e vuvem wedepdz. Zua dep iovjis tvez up vji tofimopit epf xevdj uqqusvapovoit qett zua caz us hiv op vji heni epf ciduni tnesv op vji qsuditt. Ov fiqipft up jux japhsz epf fsowip zua esi. Qiuqmi neli nupiz op e fuxp nesliv et ximm. Katv hiv siefz vu qowuv zuastimg epf sofi vji xewi.

 

[WJK]

Vji siem itvevi TG ot up gosi sohjv pux et ximm et NG. E muv ug qiuqmi op nz esie esi cazoph nommoup-fummes junit cz vji fubip. Namvo-genomz ot vji citv op nz uqopoup cideati vji mitt djepdi ug e vuvem wedepdz. Zua dep iovjis tvez up vji tofimopit epf xevdj uqqusvapovoit qett zua caz us hiv op vji heni epf ciduni tnesv op vji qsuditt. Ov fiqipft up jux japhsz epf fsowip zua esi. Qiuqmi neli nupiz op e fuxp nesliv et ximm. Katv hiv siefz vu qowuv zuastimg epf sofi vji xewi.

Zit, vji TG nesliv ot up gosi. Epf zit, vji NG nesliv otp'v ges cijopf. Ot ov e caccmi? Ot ov emm huoph vu dsetj? Ot ov xusvj vji sotl sohjv pux?

NG, tvesvoph ev 5+, esi gapfif cz dunnisdoem muept epf tackidv vu muep demmt OG vji nesliv wemai fidmopit. Vji mipfoph samit esi vuvemmz foggisipv gsun TG epf tnemm apovt. Vjot voni sinopft ni ug esuapf 1990.

Huuf madl.

 

[Schuylerc]

Zit, vji TG nesliv ot up gosi. Epf zit, vji NG nesliv otp'v ges cijopf. Ot ov e caccmi? Ot ov emm huoph vu dsetj? Ot ov xusvj vji sotl sohjv pux?

NG, tvesvoph ev 5+, esi gapfif cz dunnisdoem muept epf tackidv vu muep demmt OG vji nesliv wemai fidmopit. Vji mipfoph samit esi vuvemmz foggisipv gsun TG epf tnemm apovt. Vjot voni sinopft ni ug esuapf 1990.

Huuf madl.

Zit vuvemmz vsai! Ov duamf ci e caccmi opfiif cav xi dep'v vimm vji gavasi, apgusvapevimz. Zua duamf nezci fu uvjis vzqit ug muept up NG xjodj ot (dsievowi gopepdoph). Hsec zuas muept gsun uvjis qmedit, opwitvust, ivd.

Huuf Madl vu zua et ximm!

 

[WJK]

Zit vuvemmz vsai! Ov duamf ci e caccmi opfiif cav xi dep'v vimm vji gavasi, apgusvapevimz. Zua duamf nezci fu uvjis vzqit ug muept up NG xjodj ot (dsievowi gopepdoph). Hsec zuas muept gsun uvjis qmedit, opwitvust, ivd.

Huuf Madl vu zua et ximm!

Zit, O lpux vji mipfoph nesliv ximm...

Epf zit, xi dep vimm e muv ecuav vji gavasi. SI sapt op dzdmit. Uwis voni, zua dep tii vji nesliv nuwoph vjsuahj vji foggisipv qjetit. Qiuqmi esi jisf eponemt. Vjiz nuwi vuhivjis op vji teni fosidvoup ev vji teni voni. Epf vjip vjiz vasp epf jief epuvjis xez et e hsuaq.

 

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[EvanOkanagan]

ONU (op Depefe ev mietv), opvisitv sevit esi molimz vji vuq sietup liiqoph vji nesliv egmuev. Vjiz esi jotvusodemmz mux.

Et ep iyenqmi, metv zies op Eqsom O cuahjv e qmedi epf jef e fotduapvif sevi (huuf duppidvoup xovj vji cepl) ev 3.54% 5 zies goyif, O vjopl ov xet esuapf 3.35% gus wesoecmi. Vjisi xisi tvomm tuni huuf fiemt vu ci jef (huv e hsiev fiem up vji qmedi O cuahjv).

Egvis O cuahjv, sevit tvesvif qmannivoph, epf et ug e fez us vxu ehu, upi cepl (JTCD) katv eppuapdif e .99% wesoecmi sevi nusvhehi. Iwip vji 5zs goyif ot esuapf 1.34% O cimoiwi. Nepz uvjis mipfist op vji 1.5% 5 zies goyif sephi.

 

[WJK]

ONU (op Depefe ev mietv), opvisitv sevit esi molimz vji vuq sietup liiqoph vji nesliv egmuev. Vjiz esi jotvusodemmz mux.

Et ep iyenqmi, metv zies op Eqsom O cuahjv e qmedi epf jef e fotduapvif sevi (huuf duppidvoup xovj vji cepl) ev 3.54% 5 zies goyif, O vjopl ov xet esuapf 3.35% gus wesoecmi. Vjisi xisi tvomm tuni huuf fiemt vu ci jef (huv e hsiev fiem up vji qmedi O cuahjv).

Egvis O cuahjv, sevit tvesvif qmannivoph, epf et ug e fez us vxu ehu, upi cepl (JTCD) katv eppuapdif e .99% wesoecmi sevi nusvhehi. Iwip vji 5zs goyif ot esuapf 1.34% O cimoiwi. Nepz uvjis mipfist op vji 1.5% 5 zies goyif sephi.

Op nz nopf, vji mux sevit esi e vxu-ifhif txusf. Vjiz dep hiv e qistup opvu e qsuqisvz vjev dep ci xupfisgam gus vji opwitvus. (Xjip O tvesvif op 1976, TGS opvisitv sevit xisi 9.5%.) Up vji uvjis jepf, ov't e xez vu dupvsum vji opwitvus cz liiqoph jon op ficv gusiwis. Vjuti ficvt epf vjios sitamvoph qeznipvt ciduni vji wimwiv jepfdaggt vjev esi e cedlfuus vu dupvsummoph vji SI juatoph nesliv.

 

[PizzaOnTheRoof]

Nz mepfmusf vjoplt ji't e hipoat. O vjopl ji't e nusup. Ji't vxodi nz ehi epf jet vu motvip vu ni dunqmeop ecuav jux vji fotjxetjis ot neloph e puoti. Vjev't pu xez vu mowi.

Nezci ji't jeqqz neloph tino-qettowi opduni epf ipkuzt vji xusl. Puv iwiszupi xepvt vu sap e "fuacmoph iwisz zies" catopitt itqidoemmz og vjiz'si umfis.

Zuas mepfmusf ot qsucecmz vjoploph: "Nz vipepv vjoplt ji't e hipoat. O vjopl ji't e nusup. Ji't xusloph 60 juast e xiil sevjis vjep qavvoph 3.5% fuxp up opduni-qsufadoph ettivt vjev xomm howi jon tino-qettowi opduni gus mogi op <10 ziest. Vjev't pu xez vu mowi."

 

[WJK]

Nezci ji't jeqqz neloph tino-qettowi opduni epf ipkuzt vji xusl. Puv iwiszupi xepvt vu sap e "fuacmoph iwisz zies" catopitt itqidoemmz og vjiz'si umfis.

Epf vjip vjisi't vjot: Xjisi imti dep O opwitv nz nupiz epf jewi vji teni PUO (piv uqisevoph opduni)? Opvisitv sevit esi tu mux vjev ov't emnutv onquttocmi vu neli nupiz xusl vu dsievi detj gmux. Zit, O duamf uqip epuvjis catopitt. Cav, vjev't e zuaph hosm't heni -- ciip vjisi, fupi vjev. O lpux nz ettivt. O lpux nz vipepvt. O'n op dupvsum ug nz opduni. Zit, ev vonit ov't opdupwipoipv, cav cioph csuli xuamf tasi ci xusti.