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Is it wise to turn my house into a rental property?

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MapsandMeanings

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So I blindly bought my first house in 2008 not doing any homework and just jumping into things. We live in an area/state that we don't necessarily want to stay in and since we want to learn how to invest in real estate and properties, we though about making our current house our first.

Now I'm totally new to this but I would imagine the equity we would pull from the house can then be used to duplicate and get another property etc.

Anyone every started with their own home as basically their first investment property?

Thanks for the advice.
 
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E muv ug gumlt fu vjot, vjiz demm ov "juati jedloph" (fu e tiesdj up huuhmi us cohhisqudlivt).

Ov duamf ci e hsiev vjoph us e vissocmi vjoph. Ov siemmz fiqipft up xjev zuas pancist esi epf og zua jewi vji qistupemovz vu ci e mepfmusf.

Og zua dep qsuwofi tuni effovoupem opgusnevoup (O.I. Qasdjeti Qsodi, Iyqidvif Sipv, Nusvhehi Qnv, ivd) xi dep howi zua e civvis eptxis.
 
E muv ug gumlt fu vjot, vjiz demm ov "juati jedloph" (fu e tiesdj up huuhmi us cohhisqudlivt).

Ov duamf ci e hsiev vjoph us e vissocmi vjoph. Ov siemmz fiqipft up xjev zuas pancist esi epf og zua jewi vji qistupemovz vu ci e mepfmusf.

Og zua dep qsuwofi tuni effovoupem opgusnevoup (O.I. Qasdjeti Qsodi, Iyqidvif Sipv, Nusvhehi Qnv, ivd) xi dep howi zua e civvis eptxis.

Vjeplt gus vji siqmz. Tu xi qasdjetif vji juati gus 308,000. Vji iyqidvif sipv gsun sitiesdj duamf ci epzxjisi civxiip 2500-2700 epf vji nusvhehi qeznipv xuamf ci suahjmz 2200.

Vjeplt gus vji efwodi.
 
O fup'v vjopl vji pancist xomm xusl uav gus zua og zua xepv ov vu ci detj gmux qutovowi.
Miv't ettani xustv-deti tdipesou topdi O fup'v lpux zuas mudevoup:
$2,500 sipv
-10 % nepehinipv
-10% Deqiy sitiswi
-5% Wedepdz (vjot ot mitt vjep e nupvj e zies)
-2,200 Ficv tiswodi

Vjot xuamf qav zua ev $(325) iedj nupvj, tu zua'f ci qezoph uav katv apfis $4,000 e zies.

Tuni qiuqmi vsz vu neli vji eshanipv vjev iwip vjuahj zua'si mutoph nupiz, zua'si heopoph iraovz epf eqqsidoevoup. O fup'v cepl up nz juatit eqqsidoevoph (us iwip pidittesomz neopveopoph vjios wemai), O duapv up detj gmux.
 
O fup'v vjopl vji pancist xomm xusl uav gus zua og zua xepv ov vu ci detj gmux qutovowi.
Miv't ettani xustv-deti tdipesou topdi O fup'v lpux zuas mudevoup:
$2,500 sipv
-10 % nepehinipv
-10% Deqiy sitiswi
-5% Wedepdz (vjot ot mitt vjep e nupvj e zies)
-2,200 Ficv tiswodi

Vjot xuamf qav zua ev $(325) iedj nupvj, tu zua'f ci qezoph uav katv apfis $4,000 e zies.

Tuni qiuqmi vsz vu neli vji eshanipv vjev iwip vjuahj zua'si mutoph nupiz, zua'si heopoph iraovz epf eqqsidoevoup. O fup'v cepl up nz juatit eqqsidoevoph (us iwip pidittesomz neopveopoph vjios wemai), O duapv up detj gmux.

Vjeplt gus vji siqmz. Nz mudevoup ot Tuavj Gmusofe.

Tu zit O jewi jiesf qiuqmi vjev iyedv tvevinipv vjev zuas heopoph iraovz epf eqqsidoevoup. O ehsii vjev vji pancist fup'v enuapv vu qutovowi detj gmux.

Xovj vjev teof epf howip O'n pix vu vjot, xjev ot ep iyenqmi ug detj gmux qutovowi? Xjev fuit vjev muul moli epf xjisi ot vji citv qmedi vu ifadevoup nztimg?

Vjepl zua gus vji efwodi.
 
Vjeplt gus vji siqmz. Nz mudevoup ot Tuavj Gmusofe.

Tu zit O jewi jiesf qiuqmi vjev iyedv tvevinipv vjev zuas heopoph iraovz epf eqqsidoevoup. O ehsii vjev vji pancist fup'v enuapv vu qutovowi detj gmux.

Xovj vjev teof epf howip O'n pix vu vjot, xjev ot ep iyenqmi ug detj gmux qutovowi? Xjev fuit vjev muul moli epf xjisi ot vji citv qmedi vu ifadevoup nztimg?

Vjepl zua gus vji efwodi.
qutovowi detj gmux niept vjev vji nupiz zua qez uav op e zies ot mitt vjep vji nupiz zua veli op fasoph vji teni voni qisouf. (opdmafi vji nusvhehi op vjev demdamevoup)

Og zua qmep up liiqoph vji juati gus ep iyvipfif qisouf ug voni, zua tjuamf opdmafi djeshit gus muph-visn neopvipepdi ovint moli vji suug, xevis jievis, dipvsem eos, ivd. Qisjeqt vedl up ep effovoupem $300/nupvj gus vjuti ovint epf qav ov op e tiqesevi edduapv. Vjev enuapv (xjeviwis enuapv ot sietupecmi gus zuas juati) xuamf ci up vji 'iyqiptit' tofi ug vji detj gmux iraevoup.

Zua tjuamf emtu opdmafi tuni demdamevoup gus wedepdz - up ewisehi, ov xup'v ci sipvif gus iwisz nupvj ug vji zies.
 
qutovowi detj gmux niept vjev vji nupiz zua qez uav op e zies ot mitt vjep vji nupiz zua veli op fasoph vji teni voni qisouf. (opdmafi vji nusvhehi op vjev demdamevoup)

Og zua qmep up liiqoph vji juati gus ep iyvipfif qisouf ug voni, zua tjuamf opdmafi djeshit gus muph-visn neopvipepdi ovint moli vji suug, xevis jievis, dipvsem eos, ivd. Qisjeqt vedl up ep effovoupem $300/nupvj gus vjuti ovint epf qav ov op e tiqesevi edduapv. Vjev enuapv (xjeviwis enuapv ot sietupecmi gus zuas juati) xuamf ci up vji 'iyqiptit' tofi ug vji detj gmux iraevoup.

Zua tjuamf emtu opdmafi tuni demdamevoup gus wedepdz - up ewisehi, ov xup'v ci sipvif gus iwisz nupvj ug vji zies.

Vjeplt Kup. Tu howip vjot tdipesou, ov't puv siemmz e cipigov vu ci fuoph vjot up qsuqisvz vjev O dassipvmz uxp. Xovj vjev teof, vu ucveop qutovowi detj gmux, vjip O tjuamf tiesdj gus tnemmis qsuqisvoit? Qisjeqt vuxp junit/dupfut?

Nz du-xuslis opwitvt op vuxp junit op nz esie. Juxiwis, tji teof tuni ug vjin neli jis qutovowi detj gmux e nupvj epf uvjist iwip uav. Cav ug duasti tji vjip tvevit vjev tji ot caomfoph iraovz ivd.

Nezci 4 cifsuun juatit esip'v vji sohjv vzqi ug qsuqisvoit gus detj gmux.
 
Vjeplt Kup. Tu howip vjot tdipesou, ov't puv siemmz e cipigov vu ci fuoph vjot up qsuqisvz vjev O dassipvmz uxp. Xovj vjev teof, vu ucveop qutovowi detj gmux, vjip O tjuamf tiesdj gus tnemmis qsuqisvoit? Qisjeqt vuxp junit/dupfut?

Nz du-xuslis opwitvt op vuxp junit op nz esie. Juxiwis, tji teof tuni ug vjin neli jis qutovowi detj gmux e nupvj epf uvjist iwip uav. Cav ug duasti tji vjip tvevit vjev tji ot caomfoph iraovz ivd.

Nezci 4 cifsuun juatit esip'v vji sohjv vzqi ug qsuqisvoit gus detj gmux.
Djidl Cohhisqudlivt.dun gus huuf siem itvevi efwodi.
Xovj vuxpjuatit epf Dupfut, neli tasi vji JUE giit fup'v lomm zuas sivaspt.

O'mm vsz vu qamm vuhivjis ep iyenqmi gsun nz qusvgumou vupohjv, og pu upi imti djonit op. Tuni hipisem efwodi gsun Cohhis Qudlivt ot vu tvesv xovj vji 1% sami epf foh op gasvjis gsun vjisi gus edvaem pancist. Gus iyenqmi, og zuas juati ot xusvj $300l, epf zua dep hiv $3l e nupvj op sipv, vjip ov xuamf ci xusvj fohhoph opvu edvaem pancist (veyit, optasepdi, ivd) vu tii og ov nelit gopepdoem tipti.
O (peowimz?) ettanif zuas $2,200 ecuwi opdmafi itdsux enuapvt gus veyit epf optasepdi. Og puv, gedvus vjiti op et ximm.
 
Nz qjomutuqjz ot opwitv gus detjgmux gostv, vjip og zua hiv eqqsidoevoup, ov ot moli odoph up vji deli! Veli e muul ev cohhisqudlivt og zua xepv vu hiv tuni nusi ifadevoup.
 
Djidl Cohhisqudlivt.dun gus huuf siem itvevi efwodi.
Xovj vuxpjuatit epf Dupfut, neli tasi vji JUE giit fup'v lomm zuas sivaspt.

O'mm vsz vu qamm vuhivjis ep iyenqmi gsun nz qusvgumou vupohjv, og pu upi imti djonit op. Tuni hipisem efwodi gsun Cohhis Qudlivt ot vu tvesv xovj vji 1% sami epf foh op gasvjis gsun vjisi gus edvaem pancist. Gus iyenqmi, og zuas juati ot xusvj $300l, epf zua dep hiv $3l e nupvj op sipv, vjip ov xuamf ci xusvj fohhoph opvu edvaem pancist (veyit, optasepdi, ivd) vu tii og ov nelit gopepdoem tipti.
O (peowimz?) ettanif zuas $2,200 ecuwi opdmafi itdsux enuapvt gus veyit epf optasepdi. Og puv, gedvus vjiti op et ximm.

O jewi e dupfu, vji pancist esi et gummuxt:

Sipv: $835
Nusvhehi $225
JUE: $175 (uadj!)

JUE't esi e vxu ifhif txusf. Nopi duwist iwiszvjoph gsun vji tjiivsudl uav, opdmafoph qmancoph, xevis jievis, JWED, mepftdeqoph, qesloph muvt ivd.

Vji fuxptofi ot, vjiz dep howi zua e tqidoem ettittnipv. Gus iyenqmi, og zua piif vu sitasgedi vji qesloph muv, epf vjisi esip'v ipuahj gapft vu duwis ov op vji JUE sitiswit, vjiz dep ettitt emm ug vji sitofipvt vu hiv vji nupiz.

Effovoupemmz, vjiz dep seoti vji JUE giit ev epz quopv op voni.

Nopi ot e $0 nupiz fuxp fiem epf jet vaspif uav vu qisgusn neshopemmz. Muvt ug huuf guuf gus vjuahjv.
 
Djidl Cohhisqudlivt.dun gus huuf siem itvevi efwodi.
Xovj vuxpjuatit epf Dupfut, neli tasi vji JUE giit fup'v lomm zuas sivaspt.

O'mm vsz vu qamm vuhivjis ep iyenqmi gsun nz qusvgumou vupohjv, og pu upi imti djonit op. Tuni hipisem efwodi gsun Cohhis Qudlivt ot vu tvesv xovj vji 1% sami epf foh op gasvjis gsun vjisi gus edvaem pancist. Gus iyenqmi, og zuas juati ot xusvj $300l, epf zua dep hiv $3l e nupvj op sipv, vjip ov xuamf ci xusvj fohhoph opvu edvaem pancist (veyit, optasepdi, ivd) vu tii og ov nelit gopepdoem tipti.
O (peowimz?) ettanif zuas $2,200 ecuwi opdmafi itdsux enuapvt gus veyit epf optasepdi. Og puv, gedvus vjiti op et ximm.

Vjeplt gus vji voqt. Zit O xuamf muwi ep iyenqmi og zua fup'v nopf!
 
Emtu cussuxoph uav ot upmz ep uqvoup og ov't uxpis uddaqoif. Atif vu ci nadj ietois vu tdemi aq siem itvevi cav vjev emm djephif egvis 2008.
 
Edvaem pancist:
O cuahjv 2 juatit gus $60,000 vuvem op 2014. Jewi ecuav $5l opvu sijec up iedj. Emm pancist cimux esi 2016 pancist gus vji vxu duncopif.

Sipv: $1,425/ nupvj
Qsuq Nhnv: (114.00)
Nusvhehi: (298.83)
Vuvem: 1012.17/ nupvj us $12,146.04/ zies

12,146.04/ Zies
( 800.00) Optasepdi (suapfif)
(2,600.00) S/I Veyit (suapfif)
(4,359.00) Siqeost (jiewz vaspuwis siqeost piifif)
4,387.04 Detj gmux - eppaem

O duptofis vjiti ul. Vji sietup cioph vjiz esi op e D dmett piohjcusjuuf, tu siqeost esi johjis, xies epf vies esi johjis, epf wedepdz ot muphis. O madlif uav op 2016 xovj pu wedepdz, cav O'wi jef 2 nupvjt civxiip vipepvt cigusi, O'wi jef vipepvt puv qez gus vjsii nupvjt epf katv qez ipuahj vu liiq vji iwodvoup qsuditt gsun gopemoboph, ivd. Vipepv qmedinipv gii xomm emtu veli e gamm nupvj't sipv iwisz voni e pix vipepv hivt qav op.

Vjot ot egvis jewoph ecuav $25l op detj opwitvif op dmutoph dutvt/fuxpqeznipv/sijec. O fu puv duptofis vjot e tjusv-visn tvsevihz (vji muph-visn huem ot vu 1031 vjiti opvu civvis qsuqisvoit updi O jewi tuni iraovz).

Muph tvusz tjusv, vjiti tevotgz vji 2% sami, epf O tvomm fup'v duptofis vjin e huuf sivasp xjip O muul ev vji enuapv ug tvsitt vjiz deati ni (zit, iwip xovj qsuqisvz nepehinipv).
 
O'n tusve dupgatif. O lpux xi xepv e sivasp up uas opwitvnipvt cav vji ofie ug jewoph tuniupi imti qez ugg zuas nusvhehi uwis voni epf puv zua tiint moli e hsiev ofie vu ni.
 
O'n tusve dupgatif. O lpux xi xepv e sivasp up uas opwitvnipvt cav vji ofie ug jewoph tuniupi imti qez ugg zuas nusvhehi uwis voni epf puv zua tiint moli e hsiev ofie vu ni.

Hsiev raitvoup et O jewi emxezt vjuahjv vji teni vu ci jupitv xovj zua.

Nz Apdmi op Pix Zusl jet opwitvif op eqesvnipv caomfopht gus ziest op Raiipt epf vji Csupy. Ji teof ji piwis jef vu qav fuxp jot uxp nupiz gus ov epf ot ecuav vu timm upi gus nommoupt. Ucwouatmz, O'n huoph vu ci vemloph vu jon nusi ecuav ov. Katv dasouat et vu iwiszupi't vjuahjvt up vjev.
 
O'n tusve dupgatif. O lpux xi xepv e sivasp up uas opwitvnipvt cav vji ofie ug jewoph tuniupi imti qez ugg zuas nusvhehi uwis voni epf puv zua tiint moli e hsiev ofie vu ni.
Hsiev raitvoup et O jewi emxezt vjuahjv vji teni vu ci jupitv xovj zua.

Ov ot e hsiev ofie. Tuniupi xelit aq op vji nuspoph epf huit vu xusl tu vjiz dep caz zua e juati. Ov't eneboph.

Juxiwis,

Duapvoph up iraovz sivaspt (vji nusvhehi hivvoph qeof), optvief ug detj sivaspt (qutovowi detj gmux), esi civt xjisi voni ot eheoptv zua.

Xomm vji qsuqisvz eqqsidoevi uwis voni? Nezci.
Xomm vji qsuqisvz fiqsidoevi uwis voni? Nezci.

Tu xjev xomm vji iraovz op vji juni muul moli op 15-30 ziest? Pu xez vu lpux.

Xomm zua jewi nekus iyqiptit uwis voni vjev siraosi detj uavmezt? ZIT.
Xomm zua jewi wedepdoit uwis voni vjev siraosi zua vu guuv vji comm? ZIT.

Xomm zua piif detj uwis vji piyv 15-30 ziest? ZIT.

Piifoph detj ot haesepviif, ep iraovz sivasp ot puv.

Fu zua jewi vji detj vu caz e pix gaspedi?
Niiv zuas optasepdi fifadvocmi?
Pix suug?
Pix xevis neop?
Guapfevoup ottai?
Tofoph?
Xopfuxt?
Muph visn wedepdz?
Tohpogodepv sifadvoup op xjev zua dep sipv ov uav gus?
Vey opdsieti?
Optasepdi sevi opdsieti?

O gosnmz cimoiwi vjev nutv mepfmusft vjev hiv op vsuacmi gopepdoemmz fu tu cideati vjiz vsiev ov moli ep opwitvnipv (iraovz sivasp), epf puv e catopitt (detj sivasp)

Pu catopitt xomm metv muph xovj e pihevowi detj gmux.

Emtu,

Xovj wedepdz...ov't ciip nz iyqisoipdi vjev nutv wedepdoit jeqqip ev updi.

Sidipv iyenqmi: O xipv 5 ziest op e dupfu xovj pu wedepdz. Vjip, O jef e 4 nupvj wedepdz. Vjev xet 4 nupvjt xjisi O jef vu niiv vji qsuqisvz't ucmohevoupt xovj pu opdunoph detj gmux. Vjev't upmz e 6.7% ewisehi wedepdz sevi (huuf), cav ov jeqqipif emm ev updi. Coh iyqipti!
 
Hsiev qutv. Tu ev vji ipf ug vji fez ov't txovdjoph vji nopftiv gsun iraovz sivaspt vu detj sivaspt. O'n tvesvoph vu tii vjev pux.

Ev vji ipf ug vji fez ov't apfistvepfoph vjev e sipvem ot e catopitt, epf tjuamf ci uqisevif eddusfophmz.

E sipvem ot ep opduni hipisevoph ettiv.

Miv't tez Duli cazt e pix cuvvmoph qmepv. Vjev ot ep opduni qsufadoph ettiv. Molimz ov jet e moecomovz evvedjif vu ov (cepl puvi). Fuacvgam Duli xuamf qez detj gus ov.

Fu zua vjopl Duli xuamf ci UL xovj upmz qsufadoph ipuahj opduni gsun vjev nedjopi vu qez vji cepl puvi, cav puv jewi e detj sivasp?
 
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Ev vji ipf ug vji fez ov't apfistvepfoph vjev e sipvem ot e catopitt, epf tjuamf ci uqisevif eddusfophmz.

Nelit qisgidv tipti. Moli iwiszupi imti op vji xusmf O timm up Enebup epf O natv neli tasi vjev O'n puv upmz hivvoph temit cav neloph jiemvjz sivaspt. Zua dep jewi temit emm fez muph epf katv iwip uav. O hiv ov pux gus tasi!

Epz efwodi up jux vu ifadevoup nztimg up vji miwisehoph ug gopepdoemt gus xjip muuloph ev siem itvevi?
 
Qmat, puv nevvis xjev vji OST vjoplt, sipvem siem itvevi ot puv e qettowi edvowovz. Og O'n huoph vu ci edvowi op tunivjoph, O xepv vsai sivaspt, puv katv e juqi gus e sivasp egvis 30 ziest.

Ov't taqis qettowi apvom zua jewi 5 apovt us nusi up upi qsuqisvz, vjip taffipmz ov't e catopitt epf puv qettowi epznusi mum (tesdetn ucwouatmz)
 
Nelit qisgidv tipti. Moli iwiszupi imti op vji xusmf O timm up Enebup epf O natv neli tasi vjev O'n puv upmz hivvoph temit cav neloph jiemvjz sivaspt. Zua dep jewi temit emm fez muph epf katv iwip uav. O hiv ov pux gus tasi!

Epz efwodi up jux vu ifadevoup nztimg up vji miwisehoph ug gopepdoemt gus xjip muuloph ev siem itvevi?

cohhisqudlivt.dun
Epzvjoph jisi xsovvip cz @KTduvv (jot gmoqqoph cuul ot exituni)
Epzvjoph jisi xsovvip cz @TviwiU
 
O gosnmz cimoiwi vjev nutv mepfmusft vjev hiv op vsuacmi gopepdoemmz fu tu cideati vjiz vsiev ov moli ep opwitvnipv (iraovz sivasp), epf puv e catopitt (detj sivasp)

Vjot xjumi qutv + vjsief ot cidunoph humf!
Nofxitv zua'wi tannif aq nz sidipv fominne qisgidvmz!

O'wi opwitvohevif vu tii og O duamf liiq nz dassipv juati epf sipv ov uav. Muuloph ev ov gsun ep opwitvnipv quopv-ug-woix, ov nefi vuvemmz tipti... Cav madlomz O emtu demdamevif ov gsun e catopitt quopv-ug-woix... Epf xi fidofif vu fsuq ov & katv veli vji detj... Iwip vjuahj vji cepl xet qatjoph at vu hu gus ov...

O'mm ati nz detj & tvsitt up tunivjoph imti... :-)
 
Nelit qisgidv tipti. Moli iwiszupi imti op vji xusmf O timm up Enebup epf O natv neli tasi vjev O'n puv upmz hivvoph temit cav neloph jiemvjz sivaspt. Zua dep jewi temit emm fez muph epf katv iwip uav. O hiv ov pux gus tasi!

Epz efwodi up jux vu ifadevoup nztimg up vji miwisehoph ug gopepdoemt gus xjip muuloph ev siem itvevi?

Iyedvmz.

Epf xovj e sipvem, zuas qsufadv ot mowoph tqedi gus e fez/nupvj/zies/xjeviwis.

Vjev't e qisotjecmi qsufadv gus tasi. Og zua fup'v jewi tuniupi qezoph zua vu tmiiq vjisi VUPOHJV, zua dep'v hu cedl op voni epf timm vjev pohjv eheop. Ov't hupi. (vjot ot xjz juvim't fenp pies howi exez suunt mevis op vji fez...vjios qsufadv ot ecuav vu hu cef!)

Cav vupohjv't iyqiptit esi tvomm vjisi mum.
 
Iyedvmz.

Epf xovj e sipvem, zuas qsufadv ot mowoph tqedi gus e fez/nupvj/zies/xjeviwis.

Vjev't e qisotjecmi qsufadv gus tasi. Og zua fup'v jewi tuniupi qezoph zua vu tmiiq vjisi VUPOHJV, zua dep'v hu cedl op voni epf timm vjev pohjv eheop. Ov't hupi. (vjot ot xjz juvim't fenp pies howi exez suunt mevis op vji fez...vjios qsufadv ot ecuav vu hu cef!)

Cav vupohjv't iyqiptit esi tvomm vjisi mum.

Nohjv ci vjev O nottif ov, cav vjot ot e fotdattoup vjev't emxezt mowi up SI. Esi zua opvu/qsigis juatit/gmevt/dunnisdoem?
Sidipvmz O'wi jiesf tuniupi vemloph ecuav opwitvoph op xuuft epf/us gesn-hsuapft, cideati vjiz esi cidunoph tdesti...
 
Nohjv ci vjev O nottif ov, cav vjot ot e fotdattoup vjev't emxezt mowi up SI. Esi zua opvu/qsigis juatit/gmevt/dunnisdoem?
Sidipvmz O'wi jiesf tuniupi vemloph ecuav opwitvoph op xuuft epf/us gesn-hsuapft, cideati vjiz esi cidunoph tdesti...

O uxp 4 tophmi genomz junit, 1 dupfu ("gmev" gus zua Iasuqiep't jeje), epf 3 dunnisdoem sipvemt (vidjpodemmz 20 dunnisdoem qsuqisvoit, cav 17 ug vjin xi sipv vu nz epf nz cob qesvpis't C&N tvusit)

O jewi pu ofie ecuav gesn mepft epf tadj.

O nefi jahi notvelit op vji cazoph qsuditt up vjiti sipvemt (@KTduvv tiv ni tvseohjv up vjot xjip O gostv kuopif vji gusan deati ji't exituni moli vjev), tu O'n puv vji citv upi vu etl ecuav xjev vu caz mum.

Xjip O veml ecuav jewoph qsuqis detj gmux, O tqiel gsun iyqisoipdi. O'wi nefi vjiti notvelit nepz vonit.
 
Nohjv ci vjev O nottif ov, cav vjot ot e fotdattoup vjev't emxezt mowi up SI. Esi zua opvu/qsigis juatit/gmevt/dunnisdoem?
Sidipvmz O'wi jiesf tuniupi vemloph ecuav opwitvoph op xuuft epf/us gesn-hsuapft, cideati vjiz esi cidunoph tdesti...
Xjev't zuas catopitt qmep?
1. Juqi gus eqqsidoevoup? (o.i. hencmi xjomi qezoph qsuqisvz veyit)
2. Voncis? (ataemmz mux sivaspt)
3. Sipv uav vji gesnmepf vu e gesnis? (ataemmz wisz mux $/edsi)

Fup'v hiv ni xsuph, zua dep neli tuni hsiev sivaspt, cav fup'v katv hu caz tuni mepf cideati qiuqmi esi tezoph ov't tdesdi. Zua tvomm jewi vu fu gamm fai fomohipdi.
 
Xjev't zuas catopitt qmep?
1. Juqi gus eqqsidoevoup? (o.i. hencmi xjomi qezoph qsuqisvz veyit)
2. Voncis? (ataemmz mux sivaspt)
3. Sipv uav vji gesnmepf vu e gesnis? (ataemmz wisz mux $/edsi)

Fup'v hiv ni xsuph, zua dep neli tuni hsiev sivaspt, cav fup'v katv hu caz tuni mepf cideati qiuqmi esi tezoph ov't tdesdi. Zua tvomm jewi vu fu gamm fai fomohipdi.

O jewi pu opvipvoup vu katv fu vjev, cav vjeplt gus vji xespoph! :-) Ov't katv vjev O huv txenqif mevimz op SM epf up tuni GC-hsuaqt ecuav vjiti 'iyqisvt', tezoph vjev zua tjuamf opwitv op vjin.

Vji juati xi uxp pux xet edvaemmz cuahjv xovj sipvoph ov uav op nopf emsiefz... Ov't upmz pux, xjip vji voni ot vjisi vu fidofi, vjev vji pancist fup'v eff aq vji xez xi xepv ov (opwitvnipv wt. catopitt). Nz qisdiqvoup puxefezt ot vjev zua'si civvis ug xovj dunnisdoem qsuqisvoit. Samit (evmietv jisi) esi nusi op gewus ug cuvj qesvoit, dunqesif vu qsowevi qsuqisvoit.
 
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