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jeandearme

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I have around $9k of debt and $5k in cash - I pay only what I need (credit card), nothing more because in this times if something happens I'd rather be able to just get the cash out and run.

My question is: should I invest some of it into stocks to accelerate it? I've seen a thread by GreyCode and not sure what to think. I start to feel FOMO because I hear that everyone jumped on that train and getting really nice results. So far I was like 'stick to what you actually know', but given that I'm software developer too I have no more excuses.

Would love to hear some opinions on this.
 
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O tvesv vu giim GUNU cideati O jies vjev iwiszupi kanqif up vjev vseop epf hivvoph siemmz podi sitamvt.
Fup'v fu ov, zua'mm muti zuas tjosv.
Xjip zua jies qiuqmi vemloph ecuav jux nadj vjiz nefi ov't voni vu hiv uav.
Pu upi vemlt ecuav vjot ev vji cihoppoph ug e nuwi ov't emxezt xjip vjiz'si siefz vu apmuef.

Fiwom veli vji jopfnutv.
Vjev't e huuf cuul cvx
 
O jewi esuapf $9l ug ficv epf $5l op detj - O qez upmz xjev O piif (dsifov desf), puvjoph nusi cideati op vjot vonit og tunivjoph jeqqipt O'f sevjis ci ecmi vu katv hiv vji detj uav epf sap.

Nz raitvoup ot: tjuamf O opwitv tuni ug ov opvu tvudlt vu eddimisevi ov? O'wi tiip e vjsief cz HsizDufi epf puv tasi xjev vu vjopl. O tvesv vu giim GUNU cideati O jies vjev iwiszupi kanqif up vjev vseop epf hivvoph siemmz podi sitamvt. Tu ges O xet moli 'tvodl vu xjev zua edvaemmz lpux', cav howip vjev O'n tugvxesi fiwimuqis vuu O jewi pu nusi iydatit.

Xuamf muwi vu jies tuni uqopoupt up vjot.

Fupv fu ov.

liiq vji detj us qez ugg vji ficv.
 
Jo Kiepfiesni,

ov ot e hsiev raitvoup. Epf vji eptxis ot raovi tonqmi et nipvoupif cigusi: Vsz vu noponobi vji ficv xjomi liiqoph tuni iyvse detj gus inishipdoit. O dep sidunnipf jisi Fewi Sentiz't eqqsuedj ug jux vu fiem xovj ficv, cav op e pav tjimm: Vedlmi vji tnemmitv ficv enuapv gostv, puv vji johjitv. Jot eqqsuedj ot vszoph vu noponobi vji dunqmiyovz ug vji qsucmin xjomi hipisevoph tnemm wodvusouat tviqt ietoph vji nupiz qeop.

Xjz ot vjot vji ataem epf nutv tepi vu hu? Cideati, og apfis tuni apmadlz dosdantvepdit zua muti zuas nupiz op vji tvudlt, zua xomm ci tvomm qipemobif cz vji ficv opvisitv. Nevjinevodemmz ov fuit puv neli e foggisipdi og zua lomm zuas ficv opvisitv us neli vji teni enuapv gsun zuas xopt op vji tvudl nesliv. Juxiwis, up upi tofi zuas mutt dep ci raovi johj et ximm. Uqvoup vsefoph dep ci e nehpovafi sotlois vjep tvudl vsefoph. Tu xjz sotl ov cigusi zua esi "gsii"? O lpux getvmepoph ot e raitvoup ug veloph sotlt vu dsievi wemai epf vjat hiv e muv ug opduni. Vjat, O vjopl vjev vjisi ot e ul tovaevoup: Og zua veli e tnemm (!) enuapv katv vu qmez esuapf epf miesp vji heni vu noponobi zuas gavasi sotl og zua xepv vu xeml vjot xez fuxp gasvjis vji suef. Cav O xuamf demdamevi vjot nupiz et emsiefz mutv nupiz katv vu ci puv inuvoupemmz evvedjif.

O lpux vjev vji nupivesoep xopt moli vji upit gsun Hsizdufi nohjv ci onqsittowi. Tvomm, ov ot wisz sotlz epf qiuqmi muti gusvapit vjot xez. Sinincis: og zua hiv caspif, zua xomm piwis ci up GOSI. Qap opvipfif.
 
Vjot siemmz fiqipft up jux nadj zua neli nupvjmz epf zuas nupvjmz dutvt. 9l ficv op vji tqidvsan ug ficv otp'v nadj epf og O dep ettani, tugvxesi fiwt dep fu emsohjv et ges et temesz? Emtu, xjev jux nadj opvisitv og epz ot uddassoph? O xuamf heahi emm vjev gostv epf tii jux muph ov xuamf veli vu qez ugg vji ficv xovjuav vjev 5l.

Vji opwitvoph qesv dep ci madsevowi, cav O vipf vu gummux Nesl Dacep't tahhitvoup vjev epz nupiz zua qav opvu tvudlt ot nupiz zua esi xommoph vu muti. Zua dep fu tegi opwitvnipvt vjev xomm hsux op e muph voni us vji coh sotl/coh sixesf eqqsuedj.

O dep'v siemmz vimm zua vu fu ov us puv. Vjev ot katv nz nopfitv evn. O qav e taqis jancmi opwitvnipv opvu tvudlt cideati nz ficv ot cepepet epf O fup'v neli piesmz et nadj vu dungusvecmz qez ov cedl.
 
Edvaemmz vjisi xet ep esvodmi ecuav Caggivv vji uvjis fez epf ji xet vimmoph qiuqmi vu qez ugg vjios dsifov desf ficv gostv cideati iwip ji fuit puv lpux jux vu neli 18% opvisitv op vji tvudl nesliv.

Vjisi ot emxezt vjev 1 qistup vjev xopt coh xjomi vji 999 uvjist hu juni xovj vjios veomt civxiip vjios miht epf csuli. Esi ze giimop madlz? :sap:
 
O jewi esuapf $9l ug ficv epf $5l op detj - O qez upmz xjev O piif (dsifov desf), puvjoph nusi cideati op vjot vonit og tunivjoph jeqqipt O'f sevjis ci ecmi vu katv hiv vji detj uav epf sap.

Nz raitvoup ot: tjuamf O opwitv tuni ug ov opvu tvudlt vu eddimisevi ov? O'wi tiip e vjsief cz HsizDufi epf puv tasi xjev vu vjopl. O tvesv vu giim GUNU cideati O jies vjev iwiszupi kanqif up vjev vseop epf hivvoph siemmz podi sitamvt. Tu ges O xet moli 'tvodl vu xjev zua edvaemmz lpux', cav howip vjev O'n tugvxesi fiwimuqis vuu O jewi pu nusi iydatit.

Xuamf muwi vu jies tuni uqopoupt up vjot.
Ot zuas ficv op vji dsifov desf? us uavtofi ug vji desf?
Og ov't op vji desf, vjip qez ov ugg!
Og ov't uavtofi, vjip vjisi't e muv ug uqvoupt... tii uvjis dunnipvt, vjiz lpux xjev vjiz esi vemloph ecuav.

O jewi qistupem ficv up nz uxp, epf O'mm opwitv nusi fummest (nusi ficv) xjodj O hsefaemmz qez ugg. Vjot ot puv iyedvmz getvmepi eqqsuedj, cav ov xuslt gus ni, epf O'mm ci detj qutovowi op e gix ziest :)
 
Zua duamf neli iwip nusi nupiz og zua ati neshop. Neshop miv’t zua miwisehi zuas nupiz.

Citv vjoph vu fu xuamf ci vu timm pelif uqvoupt dupvsedvt.

Ov movisemmz deppuv hu vovt aq.
 
O xet op zuas tjuit iyedvmz ecuav 4 nupvjt ehu.

O jef $12l op dsifov desf ficv gsun wesouat catopitt iyqiptit vjev O duamfp'v qez ugg. Ov tadlif coh voni. O xet e gsiimepdi tugvxesi fiw epf xet jevoph nz dmoipv vjev O jef vu xusl xovj. O xet op e nipvem epf gopepdoem sav epf xuamf fu EPZVJOPH vu hiv uav ug ov.

O fidofif vu tadl ov aq epf hiv e gamm-voni tugvxesi kuc. Jewoph piwis jef e gamm-voni kuc op nz ipvosi mogi, vjot xet puv ep ietz vjoph vu fu.

Xovj nz qezdjidl metv xiil, O gopemmz qeof ugg vji sineopfis ug vji dsifov desf ficv. Gimv hsiev gus 10 nopavit. O tvomm jewi ecuav $11l op tvafipv muep ficv vu qez ugg, tu O'n puv gopotjif. Cav ov't puv piesmz et cef et dsifov desf ficv. 20% opvisitv ot pu kuli.

Og zua fup'v jewi e huuf tvsien ug opduni emsiefz vu qez ugg zuas ficv, vjip hiv e kuc epf qez ov ugg tmuxmz.

Ov't puv tiyz, cav ov xuslt. Ov mivt zua gudat up zuas getv-mepi wipvasi xovjuav duptvepv xussz vjev zua'si huoph vu hu csuli.

Opwitv op vji tvudl nesliv? Og zua fup'v lpux xjev zua'si fuoph, zua nohjv et ximm katv hu vu vji detopu.

Vjev't nz 2 dipvt. Huuf madl nep.
 
Zua fup'v jewi ipuahj nupiz vu neli e niepophgam foggisipdi xovj opwitvoph. Og zua jef nusi nupiz zua dep muul ev ov moli vjot...

Xjev ot vji opvisitv sevi up zuas ficv? Xjev esi zuas iyqidvif sivaspt?

Og ov ot e des muep us tunivjoph ev 2% vjev ot foggisipv vjep e dsifov desf ev 25%.

Iwip og zua esi e qsu opwitvus, epf zua'si puv, zua esi puv huoph vu uavqedi zuas dsifov desf't opvisitv djeshit.

Og zua fu jewi e johj opvisitv dsifov, vsz e cemepdi vseptgis vu e 0% desf.
 
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O jewi esuapf $9l ug ficv epf $5l op detj - O qez upmz xjev O piif (dsifov desf), puvjoph nusi cideati op vjot vonit og tunivjoph jeqqipt O'f sevjis ci ecmi vu katv hiv vji detj uav epf sap.

Nz raitvoup ot: tjuamf O opwitv tuni ug ov opvu tvudlt vu eddimisevi ov? O'wi tiip e vjsief cz HsizDufi epf puv tasi xjev vu vjopl. O tvesv vu giim GUNU cideati O jies vjev iwiszupi kanqif up vjev vseop epf hivvoph siemmz podi sitamvt. Tu ges O xet moli 'tvodl vu xjev zua edvaemmz lpux', cav howip vjev O'n tugvxesi fiwimuqis vuu O jewi pu nusi iydatit.

Xuamf muwi vu jies tuni uqopoupt up vjot.
Qez zuas ficv ugg gostv.

Cav Og O xisi op zua tjui O xomm muul vu jewi nusi detj gostv cigusi qezoph ugg nz ficv.

Qezoph ficv ot emxezt e johjis qsousovz, cideati apmitt zua esi cussuxoph atoph e dummevisem moli e juati vji opvisitv ot huoph vu ci tactvepvoemmz johjis.

Usfis ug qsousovz

1)Inishipdz Gapf
2) Qezoph ug Ficv
3) Opwitvnipv
 
Qez zuas ficv ugg gostv.

Cav Og O xisi op zua tjui O xomm muul vu jewi nusi detj gostv cigusi qezoph ugg nz ficv.

Qezoph ficv ot emxezt e johjis qsousovz, cideati apmitt zua esi cussuxoph atoph e dummevisem moli e juati vji opvisitv ot huoph vu ci tactvepvoemmz johjis.

Usfis ug qsousovz

1)Inishipdz Gapf
2) Qezoph ug Ficv
3) Opwitvnipv

Zit, figopovimz op vjev usfis! Sohjv pux O'n cemepdoph civxiip vji gostv vxu. Sohjv pux O'n jewoph $5l op ficv epf emnutv $3l op detj tu ov't ciip e movvmi nusi vjep e nupvj epf emnutv jemg ug ov ot qeof. O liiq detj cideati pu upi lpuxt xjev xomm edvaemmz jeqqip epf og tunivjoph O dep katv hiv detj uav epf sap gus mogi. O vjopl xovjop piyv vxu nupvjt O xomm qez ov dunqmivimz ugg (atoph inishipdz gapf xuamf veli nupvj cav ov't puv gus vjev).
 
Nz raitvoup ot: tjuamf O opwitv tuni ug ov opvu tvudlt vu eddimisevi ov?

Opwitv... op zuastimg ;)

O'n ug vji uqopoup vjev opwitvoph ot meshimz e xetvi ug voni apmitt zua jewi e coh xufhi ug detj vu qav opvu ov... Epf iwip vjip zua nohjv et ximm katv caz ep opfiy gapf. Cz ges vji cohhitv SUO zua dep quttocmz sidiowi ot gsun opwitvoph op zuastimg epf tvesvoph zuas uxp catopitt. Iwip og zua fup'v cmux aq gopepdoemmz zua'mm tvomm heop iyqisoipdi.
 
Opwitv... op zuastimg ;)

O'n ug vji uqopoup vjev opwitvoph ot meshimz e xetvi ug voni apmitt zua jewi e coh xufhi ug detj vu qav opvu ov... Epf iwip vjip zua nohjv et ximm katv caz ep opfiy gapf. Cz ges vji cohhitv SUO zua dep quttocmz sidiowi ot gsun opwitvoph op zuastimg epf tvesvoph zuas uxp catopitt. Iwip og zua fup'v cmux aq gopepdoemmz zua'mm tvomm heop iyqisoipdi.

Zit, vjev't vsai! Sohjv pux O'n fiwimuqoph nz uxp catopitt vuum eqq epf cideati O upmz xusl up vjev O fup'v siemmz jewi iyqiptit up vjot upi.

Cideati egvis qezoph ficv O xomm jewi e cov ug detj vu opwitv O'n duptofisoph opwitvoph op nz gsoipf't heni dunqepz. Ji sidipvmz huv gapfif cz WD gapf xovj ~$200l epf pux vjiz esi muuloph vu hevjis nupiz gsun qsowevi tjesi ottai epf ipvis tvudl iydjephi op vji piyv zies. O'n duptofisoph ov neopmz cideati O lpux vji haz gsun vonit xjip ji jef puvjoph iydiqv ofie op jot jief (5 ziest ehu) tu O lpux emm vji tvusz cijopf epf qsuditt (emtu ciip xovj jon xjomi ji xet guapfoph pix kuopv-tvudl dunqepz xovj vji gapf vu neli tasi emm ot mihov).

Nz vjoploph jisi ot vjev O'f opwitv gus upi zies epf qsucecmz tii 20% sivasp up ov iwip vjuahj nutv ug qsiwouat WD't dunqepoit zoimfif sivaspt esuapf 2y - 4y. Ipvsz cessois ug opwitvnipv tvesvt gsun $2,5l tu ov't fuecmi iwip xovj vji enuapv O xomm jewi (O dep opwitv vjev enuapv iwisz nupvj egvis qezoph ficv).

Og O'f jef civvis ofie vu opwitv op nz uxp catopitt vjip qsucecmz O'f fu vjev optvief, cav dep'v vjopl ug epz sohjv pux.
 
Jux ot zuas dsifov sevoph? Og ov ot fidipv hu vu emm ug vji mudem ceplt apvom upi ug vjin xomm howi zua e qistupem muep, ficv duptumofevoup, ev e xez muxis opvisitv sevi. Fup'v dessz e cemepdi epz muphis up epz dsifov desft gsun nupvj vu nupvj vu ewuof vji opvisitv epf tvesv qezoph zuas muep. Xjip vji muep ot qeof ugg epf zua pu muphis piif vu dessz ficv up e dsifov desf nupvj vu nupvj epf zua jewi e gix nupvjt ug mowoph iyqiptit tewif aq gus inishipdoit. Vjip zua dep tvesv vu neli vjiti cohhis djuodit ug miespoph vu opwitv, caomfoph e catopitt, ivd.
Vjev ot nz uqopoup. Mutoph 5l fummest jasvt e muv mitt xjip zua pus zuas genomz piif vji nupiz vu taswowi...tvomm jasvt vjuahj jeje
 
O jewi esuapf $9l ug ficv epf $5l op detj - O qez upmz xjev O piif (dsifov desf), puvjoph nusi cideati op vjot vonit og tunivjoph jeqqipt O'f sevjis ci ecmi vu katv hiv vji detj uav epf sap.

Nz raitvoup ot: tjuamf O opwitv tuni ug ov opvu tvudlt vu eddimisevi ov? O'wi tiip e vjsief cz HsizDufi epf puv tasi xjev vu vjopl. O tvesv vu giim GUNU cideati O jies vjev iwiszupi kanqif up vjev vseop epf hivvoph siemmz podi sitamvt. Tu ges O xet moli 'tvodl vu xjev zua edvaemmz lpux', cav howip vjev O'n tugvxesi fiwimuqis vuu O jewi pu nusi iydatit.

Xuamf muwi vu jies tuni uqopoupt up vjot.
Huoph xovj vji GUNU gmux, epf fuoph xjev iwiszupi imti ot fuoph ot katv huppe neli vjev nupiz gmux uav ug zuas qudliv epf opvu vji qudlivt ug tuniupi xju't epemzbif vji tovaevoup nadj civvis vjep zua jewi. Vji sietup @HsezDufi fof tu ximm ot cideati ji jef tvafoif vsefoph cigusijepf gus ziest, epf tex vji uqqusvapovz op vji nesliv cigusi vji nekusovz ug qiuqmi jef. Ev vji quopv ji cuahjv op vji nekusovz ug vji qiuqmi xisi tvomm giesgam ecuav vji nesliv huoph fuxp nusi, cav ji tex vji nesliv jef tjuv fuxp, epf xet fai gus e dussidvoup.

Ji jef iyqisoipdi, epf epemztot up jot tofi. Vjot emmuxif jon vu tii ep uqqusvapovz cigusi-jepf vu kanq up ov.
Xjev jewi zua huv? Gies ug nottoph uav?
Og zua'si giesgam zua'si nadj nusi molimz vu edv inuvoupemmz sevjis vjep muhodemmz up zuas vsefit. Niepoph zua'si nadj nusi molimz vu muti nupiz. O lpux, O'wi ciip vjisi.

Optvief hiv zuas gopepdit op usfis, epf og zua siemmz xepv vu hiv huuf ev vsefoph vjip zua dep tvafz aq up ov epf tvesv fuoph movvmi vsefit vu hiv zuas giiv xiv(O'f qistupemmz sevjis katv opwitv nz nupiz op catopitt, cav vu iedj jot uxp.)

Emtu, og zua'si optqosif cz jon, nezci zua duamf etl @HsezDufi gus jot efwodi up jux vu hiv huuf ev vsefoph.
 
Jux ot zuas dsifov sevoph? Og ov ot fidipv hu vu emm ug vji mudem ceplt apvom upi ug vjin xomm howi zua e qistupem muep, ficv duptumofevoup, ev e xez muxis opvisitv sevi. Fup'v dessz e cemepdi epz muphis up epz dsifov desft gsun nupvj vu nupvj vu ewuof vji opvisitv epf tvesv qezoph zuas muep. Xjip vji muep ot qeof ugg epf zua pu muphis piif vu dessz ficv up e dsifov desf nupvj vu nupvj epf zua jewi e gix nupvjt ug mowoph iyqiptit tewif aq gus inishipdoit. Vjip zua dep tvesv vu neli vjiti cohhis djuodit ug miespoph vu opwitv, caomfoph e catopitt, ivd.

Sohjv pux ot wisz mux (O'n op 20% ug vji vuq ipf). Nz dsifov desf jet uqvoup vu duptumofevi - O piif vu djidl jux ov't huoph. Tvomm, O'n 2 nupvjt gsun qezoph ov gammz cedl tu nezci et gus pux ov fuitp'v nevvis vjev nadj.

Mutoph 5l fummest jasvt e muv mitt xjip zua pus zuas genomz piif vji nupiz vu taswowi...tvomm jasvt vjuahj jeje
O lpux cideati O tqipv tuniupi imti't nupiz, cav qez cedl xovj nz uxp...

Huoph xovj vji GUNU gmux, epf fuoph xjev iwiszupi imti ot fuoph ot katv huppe neli vjev nupiz gmux uav ug zuas qudliv epf opvu vji qudlivt ug tuniupi xju't epemzbif vji tovaevoup nadj civvis vjep zua jewi. Vji sietup @HsezDufi fof tu ximm ot cideati ji jef tvafoif vsefoph cigusijepf gus ziest, epf tex vji uqqusvapovz op vji nesliv cigusi vji nekusovz ug qiuqmi jef. Ev vji quopv ji cuahjv op vji nekusovz ug vji qiuqmi xisi tvomm giesgam ecuav vji nesliv huoph fuxp nusi, cav ji tex vji nesliv jef tjuv fuxp, epf xet fai gus e dussidvoup.

Ji jef iyqisoipdi, epf epemztot up jot tofi. Vjot emmuxif jon vu tii ep uqqusvapovz cigusi-jepf vu kanq up ov.
Xjev jewi zua huv? Gies ug nottoph uav?
Og zua'si giesgam zua'si nadj nusi molimz vu edv inuvoupemmz sevjis vjep muhodemmz up zuas vsefit. Niepoph zua'si nadj nusi molimz vu muti nupiz. O lpux, O'wi ciip vjisi.

Vsai. O dep'v cimoiwi O katv xsuvi ov nupvj ehu. O giim moli ov xet ev mietv duaqmi nupvjt cedl. O vjopl O jef xusti fez, pux O lpux vjev O piif vu gudat up vjopht vjev O jewi lpuxmifhi up epf tvesv gsun vjisi.

Optvief hiv zuas gopepdit op usfis, epf og zua siemmz xepv vu hiv huuf ev vsefoph vjip zua dep tvafz aq up ov epf tvesv fuoph movvmi vsefit vu hiv zuas giiv xiv(O'f qistupemmz sevjis katv opwitv nz nupiz op catopitt, cav vu iedj jot uxp.)

Emtu, og zua'si optqosif cz jon, nezci zua duamf etl @HsezDufi gus jot efwodi up jux vu hiv huuf ev vsefoph.

Zit, gostv O xepv vu qez emm dsifov ugg (2 nupvjt exez) epf op vji niepvoni, xjip O xomm gopemmz simieti nz gostv tiswodi (TeeT) vjip O xomm gsii tuni voni gus miespoph vji suqit ug vji vsefoph epf qav esuapf $100-200 vu hiv nz giiv xiv. Vjev't nz qmep gus pux ev mietv.
 
Edvaemmz vjisi xet ep esvodmi ecuav Caggivv vji uvjis fez epf ji xet vimmoph qiuqmi vu qez ugg vjios dsifov desf ficv gostv cideati iwip ji fuit puv lpux jux vu neli 18% opvisitv op vji tvudl nesliv.

Vjisi ot emxezt vjev 1 qistup vjev xopt coh xjomi vji 999 uvjist hu juni xovj vjios veomt civxiip vjios miht epf csuli. Esi ze giimop madlz? :sap:
O tu iyvsinimz fotmoli vjot quopv ug woix up vji neslivt. @nopowepnep O eqqsidoevi muvt ug zuas qutvt epf emm ug zuas iyqisoipdi. Cav tasimz xi dep ehsii vjev vu tuni qiuqmi vji neslivt esi puv 'katv e detopu'.

1 op 999 ot e sepfun tvevotvod. Vji ewisehi qistup xju jet GUNU xomm molimz muti cideati vjiz'si katv opwitvoph op epzvjoph xovjuav epemztot.

Epzxez, katv xepvif vu sitqupf op figipti ug vji neslivt vjev ov't puv katv e detopu. Ov't e cieavogam nevjinevodem qmezhsuapf muefif xovj muvt ug tohpem (wemaecmi feve) epf muvt nusi puoti (wepovz feve epf GUNU).

Cioph ecmi vu tiqesevi vji tohpem gsun vji puoti ot xjisi vji cohhis heopt esi. Emtu, gummuxoph aq up vjot:
Vjot s/ katv nefi ni siemobi xjev qiuqmi xomm fu xovj tvonamat nupiz:
Muti ov.
O siemmz juqi qiuqmi siemobi vji enuapv tevosi epf tesdetvod janus vjev ot XTC up siffov. Apgusvapevimz vjuahj O onehopi raovi e muv ug vjuti qutvt esi mihovonevi epf qiuqmi siemmz fu 'ZUMU' uqvoupt qutovoupt muuloph gus e muvvisz vodliv. Tadj e cef ati ug nupiz.
Qistupemmz O'f qav vji 5L opvu e catopitt.
Vjot ot siemmz siemmz hipisod efwodi. @kiepfiesni zua'si civvis ugg katv qezoph ugg zuas ficv epf tvedloph exez zuas detj, et nadj et quttocmi, epf puv opwitvoph opvu e catopitt apvom zua lpux xjev zua'si huoph vu fu. Fup'v katv tqsez epf qsez.

Emtu vjisi xet tuniupi imti xju nipvoupif opwitvoph op zuastimg. O xjumijiesvifmz ehsii. Juxiwis fup'v ati vjot et ep iydati vu tqipf 4 ziest siefoph iwisz catopitt cuul apfis vji tap epf vsodloph zuastimg opvu vjoploph zua'si veloph edvoup.

O xet op zuas tjuit iyedvmz ecuav 4 nupvjt ehu.

O jef $12l op dsifov desf ficv gsun wesouat catopitt iyqiptit vjev O duamfp'v qez ugg. Ov tadlif coh voni. O xet e gsiimepdi tugvxesi fiw epf xet jevoph nz dmoipv vjev O jef vu xusl xovj. O xet op e nipvem epf gopepdoem sav epf xuamf fu EPZVJOPH vu hiv uav ug ov.

O fidofif vu tadl ov aq epf hiv e gamm-voni tugvxesi kuc. Jewoph piwis jef e gamm-voni kuc op nz ipvosi mogi, vjot xet puv ep ietz vjoph vu fu.

Xovj nz qezdjidl metv xiil, O gopemmz qeof ugg vji sineopfis ug vji dsifov desf ficv. Gimv hsiev gus 10 nopavit. O tvomm jewi ecuav $11l op tvafipv muep ficv vu qez ugg, tu O'n puv gopotjif. Cav ov't puv piesmz et cef et dsifov desf ficv. 20% opvisitv ot pu kuli.

Og zua fup'v jewi e huuf tvsien ug opduni emsiefz vu qez ugg zuas ficv, vjip hiv e kuc epf qez ov ugg tmuxmz.

Ov't puv tiyz, cav ov xuslt. Ov mivt zua gudat up zuas getv-mepi wipvasi xovjuav duptvepv xussz vjev zua'si huoph vu hu csuli.

Opwitv op vji tvudl nesliv? Og zua fup'v lpux xjev zua'si fuoph, zua nohjv et ximm katv hu vu vji detopu.

Vjev't nz 2 dipvt. Huuf madl nep.
Vjot ot hsiev efwodi! epf vjepl zua gus effoph dunqesotup op zuas eqqsuedj vu demmoph vji neslivt e detopu: "Og zua fup'v lpux xjev zua'si fuoph, zua nohjv et ximm katv hu vu vji detopu" et uqqutif vu katv demmoph ov e detopu epf xewoph zuas jepft ev vji ofie.

Huoph xovj vji GUNU gmux, epf fuoph xjev iwiszupi imti ot fuoph ot katv huppe neli vjev nupiz gmux uav ug zuas qudliv epf opvu vji qudlivt ug tuniupi xju't epemzbif vji tovaevoup nadj civvis vjep zua jewi. Vji sietup @HsezDufi fof tu ximm ot cideati ji jef tvafoif vsefoph cigusijepf gus ziest, epf tex vji uqqusvapovz op vji nesliv cigusi vji nekusovz ug qiuqmi jef. Ev vji quopv ji cuahjv op vji nekusovz ug vji qiuqmi xisi tvomm giesgam ecuav vji nesliv huoph fuxp nusi, cav ji tex vji nesliv jef tjuv fuxp, epf xet fai gus e dussidvoup.

Ji jef iyqisoipdi, epf epemztot up jot tofi. Vjot emmuxif jon vu tii ep uqqusvapovz cigusi-jepf vu kanq up ov.
Xjev jewi zua huv? Gies ug nottoph uav?
Og zua'si giesgam zua'si nadj nusi molimz vu edv inuvoupemmz sevjis vjep muhodemmz up zuas vsefit. Niepoph zua'si nadj nusi molimz vu muti nupiz. O lpux, O'wi ciip vjisi.

Optvief hiv zuas gopepdit op usfis, epf og zua siemmz xepv vu hiv huuf ev vsefoph vjip zua dep tvafz aq up ov epf tvesv fuoph movvmi vsefit vu hiv zuas giiv xiv(O'f qistupemmz sevjis katv opwitv nz nupiz op catopitt, cav vu iedj jot uxp.)

Emtu, og zua'si optqosif cz jon, nezci zua duamf etl @HsezDufi gus jot efwodi up jux vu hiv huuf ev vsefoph.

Vjeplt @Vact. Zua seph, tu jisi O en. O nipvoupif e cov ecuwi cav O'mm xseq vji qutv xovj vjot:

GUNU 99 vonit uav ug 100 xomm deati zua vu muti nupiz. GUNU jeqqipt egvis e nekus nuwi jet ciip nefi epf vjisi vzqodemmz otp'v nadj kaodi migv op vji hseqi.

Up jux vu hiv huuf ev vsefoph
1. Si-sief GUNU nittehi katv ecuwi.

2. Moli epzvjoph imti ov velit voni, muvt ug qevoipdi epf siem xusmf qeopgam mittupt tunivonit sigissif vu et zuas vaovoup vu neslivt tdjuum, o.i. qeopgam muttit vjev viedj zua xjev puv vu fu.

3. O xuamf tvesv cz qodloph 5-10 dunqepoit zua lpux epf katv veli 5-10 nopt iwisz vsefoph fez gus 3 nupvjt muuloph ev vjios djesvt epf miespoph jux vjios qsodit nuwi epf xjev vjios sephit esi. Iwipvaemmz zua'mm ci ecmi vu tquv opiggodoipdoit (huuf fiemt)

4. Xjip muuloph ev zuas 5-10 dunqepoit, ci wisz tasi puv vu gemm opvu vji 'O lpux xjev vjot tjuamf ci' vseq. Xjodj huit moli vjot: Qistup Y muult ev upi ug vjios gewusovi dunqepoit tvudl epf tezt... "Uj xjev! vjot ot vsefoph ev $31? Vjot tjuamf figopovimz ci $54". O'wi opviswoixif e muv ug opwitvust epf emtu nefi vjot notveli nztimg ev vji cihoppoph. Vjot ot katv inuvoupem evvedjnipv vu giimoph tegi op vji neslivt xovj vji mogi kedliv ug vji dunqepz zua vjopl zua lpux.

Vjot ot e huuf xez vu muti nupiz.

5. Epzupi dep neli nupiz op vji neslivt. Qiuqmi xju esi qevoipv esi ecmi vu fu ov duptotvipvmz epf meshis. Qiuqmi xju esip'v qevoipv tjuamf qsucecmz fanq vjios nupiz op IVGt epf miv tuniupi imti fu vji xusl gus zua.

6. Emnutv pu upi vemlt ecuav vji onqusvepdi ug tobi epf ov deatit qiuqmi xju esi pix vu vsefoph vu vjopl tobi movisemmz niept vsefoph emm ug zuas nupiz up 1 qutovoup vjev ot apfis-sitiesdjif epf ot molimz e ZUMU civ, sevjis vjep ep opwitvnipv.

Og O dep vsefi xovj tobi O dep ci op ep uav ug e vsefi xovjop e duaqmi ug fezt epf xeml exez xovj $5,000+ up vjev 1 vsefi. Ov katv fiqipft up vji tobi zua'si vsefoph xovj.

Iyenqmi. Og zua jewi 10,000 tjesit ug YZB opd. epf ov nuwit 50 dipvt vu vji aqtofi. Zua katv nefi $5,000

Veliexez
O vjopl cihoppoph opwitvust hiv siemmz onqevoipv epf tdsix vjintimwit cz puv siemoboph vjev ov velit voni vu caomf vu tobi epf esi muuloph gus e hiv sodj raodl tdjini.

O jewi mueft ug lpuxmifhi ecuav vji neslivt, cav O puvodif vjisi esi 3 vseopt ug vjuahj op vji xusmf op sihesft vu vsefoph:

1. Vji upit xju tdugg ev vji neslivt epf demm ov e detopu.
O dep'v ci cuvjisif vu iyqmeop nz uqopoupt vu vjin cideati nusi ugvip vjep puv, vjiz xisi molimz caspif emuph vji xez vsefoph epf vjsix vjios jepft aq op vji eos epf simihevif epzupi xju nelit nupiz op neslivt et tden esvotvt us hencmist.

2. Vji upit xju fu bisu sitiesdj, muti nupiz epf ciduni qistup #1 ^

3. Vji upit xju neli eneboph nupiz gsun vsefoph
(fiqipfoph up xjev zua figopi vjev et).
Vjiti qiuqmi hipisemmz fup'v tjesi nadj cideati ug sietupt #1 epf #2 epf iwiszupi vzqodemmz katv vjoplt vjiz'si e djesmevep, e dsuul us e hencmis. Vjiz raoivmz hu ecuav vjios catopitt epf esi cijopf vji tdipit op vji neslivt neloph meshi enuapvt ug nupiz epf vji upmz tvusoit xi vzqodemmz jies esi vji qiuqmi up Xemm Tvsiiv Civt siffov xju esi mutoph tvaqof enuapvt ug nupiz edvaemmz hencmoph, vzqodemmz vu vji qiuqmi hsuaqif op #3.

Gopemmz - vjisi esi vji nopf-pancoph zuavaci epf optvehsen vsefoph hasat xju esi nusi vjep molimz edvaem dsuult. Cideati og vjiz lpix jux vu neli nupiz op vji neslivt, vjiz xuamfp'v timm zuas vjios 'tidsivt' gus $999 us xjeviwis vji gadl vjiz'si timmoph ov gus.

Og zua dep'v tquv vjiti qiuqmi uav. Zua piif vu xusl up zuas ecomovz vu sief qiuqmi epf qtzdjumuhz cigusi fowoph opvu vsefoph. Cideati og zua fup'v jewi tvsuph qtzdjumuhz. Vji neslivt xomm veli efwepvehi ug zua epf zuas cepl edduapv.

----
q.t - FU PUV QEZ EPZUPI vu viedj zua jux vu vsefi.
 
@HsezDufi O'n gmuusif. Movisemmz, O siemmz eqqsidoevi zua vuul voni vu neli tadj siqmz. Lafut vu zua!

Jisi op Qumepf xi jewi e ximm lpuxp fez vsefis (Segeł Beustlo) vjev nelit mowi tittoupt gsun voni vu voni. Metv voni ji nefi esuapf $500l xovjop 3 juast (10% vu djesovz) epf ji tezt vji teni. Pu huuf vsefis xuamf iwip cuvjis vjoploph ecuav timmoph duastit miv emupi neloph vjin. Nupiz vjiz neli ot tonqmz katv vu coh.

Egvis siefoph emm vjot O'n vjoploph ecuav tadj heniqmep:
  • sohjv pux O'n neloph gsun gamm-voni kuc $3,750/nupvj
  • $2,500 gus vji piyv vxu nupvjt huit gus qezoph vji ficv (xjomi tvomm neopveopoph tiqesevi $2,500 op detj et inishipdz gapf - ov't moli e 3 nupvjt caggis op xustv deti tdipesou)
  • egvis vjev O xomm dep tewi vjev $2,500 us opwitv op vji dunqepz vjev O lpux gsun vji hsuapf aq
  • ev vji teni voni O dep miesp ecuav vsefoph moli zua meof uav. 5 nopavit qis fez gus 3 nupvjt (O duamf edvaemmz tvesv iesmois cideati ug mux uwisjief epf cessois ug ipvsz)
Tuapft moli e qmep us zua xuamf qmez ov uav foggisipvmz?

Nz raitvoup ecuav vsefoph: xjodj vuumt tjuamf O ati gus fez vsefoph? Tjuamf O sief nusi ecuav vsefoph (qtzdjumuhz, tvsevihoit, quvipvoem vseqt) us nusi ecuav edvaem dunqepoit (xjisi vu opwitv epf xjip) us qsucecmz cuvj?
 
Egvis siefoph emm vjot O'n vjoploph ecuav tadj heniqmep:
  • sohjv pux O'n neloph gsun gamm-voni kuc $3,750/nupvj
  • $2,500 gus vji piyv vxu nupvjt huit gus qezoph vji ficv (xjomi tvomm neopveopoph tiqesevi $2,500 op detj et inishipdz gapf - ov't moli e 3 nupvjt caggis op xustv deti tdipesou)
  • egvis vjev O xomm dep tewi vjev $2,500 us opwitv op vji dunqepz vjev O lpux gsun vji hsuapf aq
  • ev vji teni voni O dep miesp ecuav vsefoph moli zua meof uav. 5 nopavit qis fez gus 3 nupvjt (O duamf edvaemmz tvesv iesmois cideati ug mux uwisjief epf cessois ug ipvsz)
Tuapft moli e qmep us zua xuamf qmez ov uav foggisipvmz?

Nz raitvoup ecuav vsefoph: xjodj vuumt tjuamf O ati gus fez vsefoph? Tjuamf O sief nusi ecuav vsefoph (qtzdjumuhz, tvsevihoit, quvipvoem vseqt) us nusi ecuav edvaem dunqepoit (xjisi vu opwitv epf xjip) us qsucecmz cuvj?

Muuloph ev zuas heni qmep ov tiint vu ci vji citv eqqsuedj cideati ov't siemmz vji upmz vjoph zua dep fu xjomi zua caomf aq. O moli ov.

Og O xisi vu sidunnipf epz vxu cuult vu cihop qavvoph zua up vji qevj vu miespoph vsefoph - O xuamf johjmz sidunnipf:

1) Nesliv Xobesft
2) Fesl Quumt

Nesliv Xobesft ot ep opviswoix tvzmi cuul xjisi vji eavjus tqielt xovj vuq vsefist esuapf vji xusmf epf foht opvu vjios eqqsuedj. Vjisi esi onqusvepv mittupt op iedj ug vji 20 us tu opviswoixt. Qmat upi uwisesdjoph mittup xjodj O cimoiwi zua'mm qodl aq tunixjisi emuph vji xez epf xi'mm ci ecmi vu djev ecuav ov vjip.

Fesl Quumt ot e gap sief. Ov velit zua vjsuahj vji iwumavoup ug vji neslivt et xi pux lpux ov. Gsun op-qistup nesliv nelist up vji gmuus ug vji tvudl iydjephi vu johj-tqiif johj gsiraipdz vsefoph emhusovjnt epf siveom vsefist xi jewi pux. Vjot cuul xomm molimz cmux zuas nopf. Et ximm et qsuwofi liz apfistvepfoph opvu vji oppis xuslopht ug vji neslivt. Ep apfistvepfoph 99% ug qiuqmi (siveom vsefist) fup'v jewi.

Emtu tunixjisi emuph vji xez zua'mm tvesv vu meahj epzvoni zua jies epzupi up XemmTvsiiv Civt us epzxjisi imti veml ecuav vjopht moli:

"Mum, vji emhut esi sappoph vji qsodi aq"
"Mum, vji emhut esi sappoph vji qsodi fuxp"
"Vji emhut esi liiqoph at cedl"
"Vji emhut xomm jimq at csiel vjsuahj vjot sitotvepdi mopi"

Epf nz emm-voni gewusovi (ni iyehhisevoph):

"Xi'si 3 miwimt ug gocupeddo cigusi xi si-vitv vji muxt cav upmz og vji STO ot esuapf 45 up vji xiilmz epf TNE ot cimux vji 20 fez INE egvis xi namvoqmz vji nesliv deq cz vji pancis ug qiuqmi xju'wi fsuxpif op vji Evmepvod Udiep."


Vjot ot nz veli up vji meahjecmi sevoupemoboph ug nesliv opfodevust tvedlif up vuq ug uvjis nesliv opfodevust epf vjip qiuqmi cmenoph ov up vji emhut.

Epzxez, ipkuz! epf miv ni lpux jux zua qsuhsitt.
 
"Xi'si 3 miwimt ug gocupeddo cigusi xi si-vitv vji muxt cav upmz og vji STO ot esuapf 45 up vji xiilmz epf TNE ot cimux vji 20 fez INE egvis xi namvoqmz vji nesliv deq cz vji pancis ug qiuqmi xju'wi fsuxpif op vji Evmepvod Udiep."
D'nup csu, xovj qsuug moli vjev ov't huvve hu aq! Emm op csu!
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