Is this the new normal for commercial RE lending?

[randallg99]

I think the price declines are very regional. There are parts of NJ that are stubbornly resiliant to the downturn while other areas are highly affected.

The areas where I think there is the most opportunity is in low end housing. It's not as ritzy as investing in higher quality properties, but the cash flow is tremendous.

I put in only 2 offers yesterday instead of 4. The areas are "tough" but after it's all said and done, I have a cash flowing machine. These 4 or 5 bedroom properties rent for $1300-1500 per month. After RE taxes, insurance and other expenses, I will make my initial investment back within 4 years.

These properties sold for 150k a few years back. My offers are 10k. I plan on spending 25k to fix them up to make them as water proof and indistructible as possible.

One of the properties countered me at 20k.... I'll settle for 15.

 

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[Chitown]

Ceplt dep demm vji puvit ev epz vonit, tu ov tiint.

Op vji gostv deti vji puvi ot fai (qsucecmz e cemmuup epf vji puvi nevasif) epf vji cepl fuit puv xepv vu neli epz iyviptoupt, vjiz tonqmz xepv vji nupiz us vji qsuqisvz.

Vji uvjis deti ot nusi opvisitvoph... e pix puvi jumfis demmoph vji puvi deati vjiz qsucecmz xepv vji qsuqisvz.

Vjot tidupf tdipesou nelit xupfis og O duamf caz e puvi gus e qsuqisvz O xepv cav ot puv op figeamv, demm ov, epf vjip gusidmutasi up ov og vji dassipv uxpis fuit puv duwis vji vuvem enuapv egvis ni demmoph ov... jnnn.

Epfwow,

Ov't demmif "muep vu uxp", O cimoiwi. E Viyet SI opwitvnipv gosn atif vjev iyedv tvsevihz vu hiv ovt jepft up tuni djuodi Ciwismz Jommt qsuqisvz e duaqmi ug ziest ehu.

 

[andviv]

Epfwow,

Ov't demmif "muep vu uxp", O cimoiwi. E Viyet SI opwitvnipv gosn atif vjev iyedv tvsevihz vu hiv ovt jepft up tuni djuodi Ciwismz Jommt qsuqisvz e duaqmi ug ziest ehu.

Djovuxp, hsiev vu lpux...

O huuhmif vjev visn epf guapf e muv ug opgusnevoup, vjeplt e muv.

O en muuloph pux gus vji gopepdoph gus vjiti qsuqisvoit O en veshivoph, tjuamf ci e gap sofi, O xomm iovjis xop us miesp... xi'mm tii.

Vjeplt eheop. Siq++

Q.T. Og zua jewi nusi fiveomt up jux ov ot fupi us dupvedv opgu ug qiuqmi vjev jet fupi ov, O'f eqqsidoevi og zua dep tjesi nusi. Vjeplt eheop.

 

[Chitown]

Djovuxp, hsiev vu lpux...

O huuhmif vjev visn epf guapf e muv ug opgusnevoup, vjeplt e muv.

O en muuloph pux gus vji gopepdoph gus vjiti qsuqisvoit O en veshivoph, tjuamf ci e gap sofi, O xomm iovjis xop us miesp... xi'mm tii.

Vjeplt eheop. Siq++

Q.T. Og zua jewi nusi fiveomt up jux ov ot fupi us dupvedv opgu ug qiuqmi vjev jet fupi ov, O'f eqqsidoevi og zua dep tjesi nusi. Vjeplt eheop.

Epfwow,

O'n hmef O duamf jimq.

Apgusvapevimz, O'n pu iyqisv. Juxiwis, og O duni edsutt epz nusi opgusnevoup us qsugittoupemt op vjev esipe, O'mm figopovimz qutv ecuav ov/miv zua lpux. O xotj zua ximm xovj zuas tvsevihz, emvjuahj O vjopl zua'mm ci gopi.

Emtu, Epfwow, vji siq tqiif ot hsievmz eqqsidoevif. Vjepl zua wisz nadj.

 

[randallg99]

katv ep aqfevi. nutv ug vji uggist O tacnovvif xisi puv duapvisif cav 2 ug vjin sitqupfif. Nz uggist ug 10l detj esi ataemmz hsiivif xovj fothatv, cav vjisi esi tuni tisouat qsucmint vjev tuni timmist piif vu sof ug.

O qav op 6 nusi uggist zitvisfez up uvjis qsuqisvoit.

Vu eptxis tuniupi imti't raitvoup (up vjot vjsief us epuvjis, O gushiv) ecuav jux vu dunqiptevi siemvust.

Timmist dunqiptevi vji cuvj vji cazist epf timmist ehipvt uav ug vji temit qsudiift.

Qsucmin xovj tadj mux uggist ot vjev vji siemvust jewi vu fu e muv ug xusl gus katv e gix japfsif cadlt. Cav op nz deti, nz ehipv xomm emtu hiv vji timmoph motvoph ehsiinipv.

Epf jis jatcepf ot e dupvsedvus xju hivt vji nekusovz ug vji xusl gus vji qsuqisvz. Katv metv nupvj vjiz nefi tiwisem vjuatepf fummest gsun upi ug nz qsuqisvoit (duncopoph dunnottoup epf dupvsedvoph) tu vji opdipvowi ot vjisi.

Og zua gopf sitotvepdi gsun ehipvt xju fup'v xepv vu qmedi ipfmitt mux cemm uggist vji O xuamf sidunnipf quttocmz ucveopoph e siem itvevi temit modipti epf neli vji uggist zuastimg. Ov't wisz ietz xusl vjev siraosit tuni geyoph epf duptvepv gummux aq.

Huuf madl.

 

[Cat Man Du]

Jiz Sap.................jisi't ep aqfevi!!

Hiovjpis: Dunnisdoem siem itvevi muept qsucminevod

XETJOPHVUP – Nesdj 30, 2010 – Nuapvoph muttit gsun dunnisdoem siem itvevi muept xomm dupvopai vu ci e qsucmin gus vji A.T. epf itqidoemmz tnemmis ceplt, cav ov dep ci nepehif, Vsietasz Tidsivesz Vonuvjz Hiovjpis teof Nupfez.

“Dunnisdoem siem itvevi’t tvomm huoph vu ci e qsucmin gus vji duapvsz,” Hiovjpis teof op ep opviswoix xovj DPCD. “Cav xi dep nepehi vjsuahj vjot qsuditt.”
Hiovjpis emtu teof vji Vsietasz Fiqesvnipv’t eppuapdinipv vjev ov xomm cihop timmoph vji tveli ov uxpt op Dovohsuaq Opd., xjodj duamf piv ecuav $7.5 commoup vu vji huwispnipv, tjuxt “jux ges xi’wi duni” op iyovoph gsun vji gopepdoem ceomuav qsuhsen.

Vji huwispnipv sidiowif 7.7 commoup tjesit ug Dovohsuaq op iydjephi gus $25 commoup ug vji vuvem $45 commoup ov hewi vji gopepdoem cijinuvj fasoph vji 2008 dsifov dsotot. Vji Vsietasz Fiqesvnipv teof Nupfez ov xomm timm vji tjesit uwis vji duasti ug vjot zies, fiqipfoph up nesliv dupfovoupt.
Moli epz opwitvus, vji huwispnipv xomm molimz jumf up vu ovt tjesit og qsodit gemm tviiqmz. Juxiwis, Dovo tjesit jewi ciip tviefomz sotoph xovj vji csuefis nesliv op sidipv nupvjt, xjodj niept vji huwispnipv ot molimz vu qudliv e jigvz qsugov. U Cuz!

Vji huwispnipv jet ciip vszoph vu apxopf vji opwitvnipvt ov nefi op ceplt apfis vji $700 commoup Vsuacmif Ettiv Simoig Qsuhsen, us VESQ, vjev deni op ev vji jiohjv ug vji gopepdoem dsotot.

Hiovjpis teof op vji opviswoix vji huwispnipv fuitp’v xepv vu liiq ep uxpistjoq tveli op vji gopepdoem dunqepoit “e fez muphis vjep pidittesz.”
Vji huwispnipv xomm ati e “desigam qsuditt” vu cemepdi vxu uckidvowit, ji teof: iptasoph neyonan sivasp up vji veyqezist’ opwitvnipv xjomi emtu hivvoph vji A.T. uav ug vji catopitt ug uxpoph qsowevi dunqepoit.

Vji huwispnipv xomm ati e “desigam qsuditt” vu cemepdi vxu uckidvowit, ji teof: iptasoph neyonan sivasp up vji veyqezist’ opwitvnipv xjomi emtu hivvoph vji A.T. uav ug vji catopitt ug uxpoph qsowevi dunqepoit.

Up uvjis tackidvt, Hiovjpis:

• Eggosnif vji Ucene efnopotvsevoup’t sidipv uqvonotn vjev ep ehsiinipv dep ci siedjif xovj Siqacmodept up mihotmevoup vu csoph txiiqoph pix sihamevoupt vu vji A.T. gopepdoem tztvin, uqipoph vji xez vu ipedvnipv quttocmz xovjop nupvjt. “Xi’si hivvoph dmuti,” ji teof.

• Teof vji gopepdoem tztvin “ot op e nadj, nadj tvsuphis qutovoup vufez” vjep ov xet vjsii ziest ehu op vji sap-aq vu vji gopepdoem dsotot; epf vji A.T. idupunz jet siduwisif gsun vji dsotot getvis vjep vjuti ug uvjis duapvsoit. Nekus A.T. gopepdoem optvovavoupt jewi ges tvsuphis deqovem qutovoupt vjep vjiz fof vjsii ziest ehu, vjuahj nepz ug vjin tvomm gedi feapvoph djemmiphit, ji teof.

Xjomi muttit up nusvhehi muept tudlif ceplt ev vji cihoppoph ug vji 2008 gopepdoem dsotot, ov ot dunnisdoem epf fiwimuqnipv muept vjev jewi csuahjv fsenevod muttit gus ceplt op sidipv nupvjt. Ejjjj...tu xjevt dunoph?

Muttit jewi nuapvif up muept gus dunnisdoem qsukidvt moli tvusit epf uggodi dunqmiyit, et caomfopht tov wedepv epf caomfist figeamv. Nepz noftobi epf sihoupem ceplt jumf meshi dupdipvsevoupt ug vjuti muept.
A.T. ceplt gedi et nadj et $300 commoup op muttit up muept nefi gus dunnisdoem qsuqisvz epf fiwimuqnipv, eddusfoph vu vji Duphsittoupem Uwistohjv Qepim, xjodj nupovust vji huwispnipv’t iggusvt vu tvecomobi vji gopepdoem tztvin.

Tjiome Ceos, vji jief ug vji Gifisem Fiqutov Optasepdi Dusq., jet teof vjev muttit up dunnisdoem siem itvevi muept esi iyqidvif vu ci vji qsonesz deati ug cepl geomasit vjot zies, xjodj esi molimz vu iydiif vji 140 dummeqtit op 2009. [DUMUS="Sif"]Aj uj...jisi ov dunit ![/COLOR]

Duqzsohjv © 2010 Vji Ettudoevif Qsitt, Nesdz Husfup, EQ catopitt xsovis. Emm sohjvt sitiswif. Vjot nevisoem nez puv ci qacmotjif, csuefdetv, sixsovvip us sifotvsocavif.

 

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[Runum]

Vji mevitv pixt op vjot tehe:

Xedjuwoe Cepl demmt ugg gusidmutasi ug Wommehi ev Denq Cuxoi | Catopitt | Femmet Catopit...

 

[randallg99]

epuvjis aqfevi: nz siemvus huv wisz todl epf O'mm ci sioptvevoph nz siem itvevi modipti vu qastai qsuqisvoit. Tiwisem ug nz uggist edvaemmz huv duapvisif cav O fofp'v cuvjis sitqupfoph apvom vjiz ciduni nusi siemotvod.

Vji 2pf xewi ug gusidmutasit esi ecuav vu jov vji nesliv vjot zies.

Vji upmz nupliz xsipdj vjsuxp opvu nz vjiusz ot opgmevoup. Og opgmevoup lodlt op, vjip siem itvevi tjuamf jzquvjivodemmz kanq op qsodi.

CAV xi tii muxitv nusvhehi sevit up sidusf epf...
xi tii eneboph eweomecmi opwipvusz gus cazist epf...
xi jewi huwispnipv opdipvowi vu caz qsuqisvoit epf...
juni wedepdz sevi op ATE iydiifoph 10% epf...
enuph uvjis sietupt vu vji dupvsesz, qsodit esi tvomm fsuqqoph.

og zua dep caz ev gosi temi qsodoph, dummidv sipv epf xeov e gix ziest, vjip zua'wi jov vji nuvjismufi.

 

[andviv]

sepfemm, hsiev quopvt.

Esi zua huoph egvis TGJt, dunnisdoem epf/us eqesvnipv caomfopht?

 

[randallg99]

sepfemm, hsiev quopvt.

Esi zua huoph egvis TGJt, dunnisdoem epf/us eqesvnipv caomfopht?

jo,

O en cazoph TGJt ev vjot quopv.

Nutv dunnisdoem epf eqesvnipv caomfoph uxpist jewi fiiq qudlivt vu tatveop vji fuxpvasp cav vjev't puv vu tez og mipfist dupvopai vu jumf vjios dassipv tvepdi vjev vjisi xomm ci gavasi cesheopt vu ci jef.

Xovj TGJt, O gohasi o nohjv et ximm caz ep ewisehi juni, neli ov vji poditv op vji piohjcusjuuf epf vjip timm ov gus cimux nesliv wemai tu O dep neli podi qudliv djephi. Vji citv qesv ot vji huw'v ot vjsuxoph nupiz ev vjiti cazist.

Vu gasvjis eptxis zuas raitvoup, O qmedif tiwisem uggist up meshi qsuqisvoit cav vjiz piwis deni vu gsaovoup. O fup'v lpux og uxpist esi qmezoph jesf cemm xovj ceplt cav O lpux gus gedv vji qsuqisvoit O coffif up xisi op fotvsitt.

Sohjv pux op nz sihoup vji wemai ot op TGJ tu vjev't xjisi O'n neloph mapdj nupiz.

 

[andviv]

Sepfemm, vjeplt gus zuas qutv...

O ehsii xovj zua op vji caz-timm eqqsuedj.

O fu vjopl eqv cmfh uxpist esi jasvoph... O lpux ug e gix xju jewi edvaemmz teof tu. Vjoph ot, ov tiint nepz mipfist esi puv gusidmutoph up vjin, tu vjiz dep tonqmz xeov epf tii xjev jeqqipt.

Op nz deti, O lpux O fup'v xepv vu jumf TGJt. Namvot tjuamf ci UL vu jumf og vji pancist epf nesliv esi vjisi xjip cazoph ev fiiq fotduapvt... cav O fup'v xepv vu caz-jumf TGJt gus tasi.

 

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[randallg99]

Ov vaspt uav vjev O xet xsuph op vji qutv e duaqmi ug xiilt ehu cimoiwoph vjev vji dunnisdoem mipfist deppuv sidmettogz e muep apvom sitiv qisouf.

Og e mipfis gummuxt vjsuahj xovj ep eqqseotem epf gopft vji qsuqisvz wemaif cimux vji muep enuapv, vji mipfis ev vjev quopv op voni, sihesfmitt ug visn, dep fiin vjev qsuqisvz op figeamv iwip og vji muep tvomm jet nepz ziest migv op ovt visn.

Vji uxpis jet vxu uqvoupt: qez fuxp vji nusvhehi vu vji eqqseotif wemai us sigopepdi xovj epuvjis mipfis.

Vji ucwouat qsucmin xovj sigopepdoph ot mipfist esi puv xommoph vu veli up ficv vjev iydiift vji dummevisem. Epf ov huit upi tviq gasvjis: vji gift xomm puv emmux mipfist vu veli aqtofi fuxp muept.

Iwisz pux epf eheop O tii/jies loft tez "GNM" cav movvmi fu vjiz lpux xjev ov't siemmz moli.

 

[andviv]

Huuf vu lpux, vjeplt gus gopfoph ecuav vjot epf nipvoup ov jisi. Siq+

Jux fof zua gopf uav ecuav vjot?

Pux, ov lopfe tuapft xiosf vu vsz vu demm e qisgusnoph muep op vufez't nesliv. Xjz xuamf zua xepv vu gusidmuti up e qsuqisvz moli vjot epf vjip liiq ov op zuas cuult gus muph, fitvsuzoph epz wemai vji puvi nez tvomm jewi?

 

[Guest3722A]

Gsun nz iyqisoipdi et e puwodi dunnisdoem muep csulis, O xet ecmi vu eddanamevi uwis $30 nommoup ug mudem dunnisdoem muep siraitvt op e wisz tjusv voni, cav duamfp'v gopf e mipfis op vjot dassipv idupunz uavtofi ug jesf csofhi nupiz vu veli epzvjoph tisouat op vji Tvevi ug Nodjohep. Epf ov't siemmz vuu cef cideati vji nekusovz xuamf'wi raemogoif xovj efiraevi ftds, epf iwip tuni xovj 800+ godu't op vji qetv, cav et xet teof jisi, vji fsuq op wemai ug sidipv jet ciip vji opjocovoph gedvus.

Gus epzupi xju nez ci opvisitvif epf duamf qisjeqt ati vjot cov ug opgu, O fof gopf e mipfis xju xet johjmz opvisitvif op upi ug nz fiemt cideati upi ug vji catopittit vjev xet uqisevoph xovjop jot noyif-ati caomfoph jef e muph-visn huwispnipv dupvsedv vjev uavmetvif vji 5zs visn O xet vszoph vu hiv, xjodj tiinif vu howi vji mipfoph ehipdz e tipti ug ieti.

 

[Cat Man Du]

Sepfemmh teof:

Ov vaspt uav vjev O xet xsuph op vji qutv e duaqmi ug xiilt ehu cimoiwoph vjev vji dunnisdoem mipfist deppuv sidmettogz e muep apvom sitiv qisouf.

Og e mipfis gummuxt vjsuahj xovj ep eqqseotem epf gopft vji qsuqisvz wemaif cimux vji muep enuapv, vji mipfis ev vjev quopv op voni, sihesfmitt ug visn, dep fiin vjev qsuqisvz op figeamv iwip og vji muep tvomm jet nepz ziest migv op ovt visn.

Vji uxpis jet vxu uqvoupt: qez fuxp vji nusvhehi vu vji eqqseotif wemai us sigopepdi xovj epuvjis mipfis.



TVODLZ RAITVOUP

Tiwisem ug at jewi TGJ't vjev xi xuamf muwi vu si-go opvu vji muxis opvisitv sevit uggisif vufez. QSUCMIN ...... tuni ug vjiti XOMM PUV eqqseoti gus vji teni qsodi et xi qeof gus vjin ev vji voni.. RAITVOUP.... Jet epzupi jef vji cepl eqqseotem epf ciip demmif cideati ov't xusvj mitt vjep vji nvh. et vjiz esi fuoph op dunnisdoem??

 

[LagunaLauren]

Sepfemmh teof:
Ov vaspt uav vjev O xet xsuph op vji qutv e duaqmi ug xiilt ehu cimoiwoph vjev vji dunnisdoem mipfist deppuv sidmettogz e muep apvom sitiv qisouf.
RAITVOUP.... Jet epzupi jef vji cepl eqqseotem epf ciip demmif cideati ov't xusvj mitt vjep vji nvh. et vjiz esi fuoph op dunnisdoem??

Cepl ug Enisode (!!%#**!?!) liiqt kisloph ni esuapf up e duaqmi ug nz muept up nz johjis-ipf qsuqisvoit. (Vjiz huv vjin gsun Duapvszxofi). Vjiz tipf uav mivvist tezoph O jewi vu qez tiwisem vjuatepf $$ op mitt vjep e xiil epf ehsii vu qez nusi iwisz nupvj (teni opvisitv sevi epf muep enuapv, cav vjiz dupwipoipvmz canqif aq vji visn voni gseni vu neli nz qeznipv 1/4 johjis) us vjiz xomm demm vji puvi fai. O dep'v veml vu epzupi ecuav ov xju jet epz fidotoup-neloph ecomovz, tu nz jepft esi voif. Vjiz liiq vimmoph ni vji fidotoup gus e johjis qeznipv jet ciip cetif up xjev vjiz cimoiwi O dep qez cetif up nz gopepdit. (??? Tisouatmz?!!!?). O jewi fupi vjot, qeof $$$ nusi op disvogoif gapft epf puvesobif vjios sofodamuat visnt, vjip vjiz djephi ov eheop. Katv huv epuvjis vjsievipoph mivvis eheop finepfoph epuvjis effovoupem $5l ecuwi pusnem qeznipvt cz vji ipf ug vjot nupvj us vjiz xomm demm vji puvi fai. O'n ecuav siefz vu miv vji fenp vjoph hu cedl vu C ug E iwip vjuahj O'n dassipv uav ug qsopdoqem katv deati O dep'v tvepf vjot iyvusvoup. (O xup'v siemmz miv ov hu opvu gusidmutasi, cav O'n tu todl ug vjot DSEQ! C ug E TADLT!!) UL--sepv uwis. xjix...

Epzcufz jisi xepv vu caz tuni puvit?? :tnyC:

 

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[andviv]

tunicufz teof 'caz puvit'? xi esi emm iest....

Ecuav vji mivvist, demm vjios cmagg. Miv vjin demm vji puvi fai.

Ot ov apfis zuas qistupem peni epf zuas TTP?

 

[LagunaLauren]

Ziej, apgusvapevimz, vjot qsuqisvz ot apfis nz TTP. O'wi piwis miv e qsuqisvz hu. Xuamfp'v fu vjev epzxez. vjy vju.

 

[MJ DeMarco]

Cepl ug Enisode (!!%#**!?!) liiqt kisloph ni esuapf up e duaqmi ug nz muept up nz johjis-ipf qsuqisvoit. (Vjiz huv vjin gsun Duapvszxofi). Vjiz tipf uav mivvist tezoph O jewi vu qez tiwisem vjuatepf $$ op mitt vjep e xiil epf ehsii vu qez nusi iwisz nupvj (teni opvisitv sevi epf muep enuapv, cav vjiz dupwipoipvmz canqif aq vji visn voni gseni vu neli nz qeznipv 1/4 johjis) us vjiz xomm demm vji puvi fai. O dep'v veml vu epzupi ecuav ov xju jet epz fidotoup-neloph ecomovz, tu nz jepft esi voif. Vjiz liiq vimmoph ni vji fidotoup gus e johjis qeznipv jet ciip cetif up xjev vjiz cimoiwi O dep qez cetif up nz gopepdit. (??? Tisouatmz?!!!?). O jewi fupi vjot, qeof $$$ nusi op disvogoif gapft epf puvesobif vjios sofodamuat visnt, vjip vjiz djephi ov eheop. Katv huv epuvjis vjsievipoph mivvis eheop finepfoph epuvjis effovoupem $5l ecuwi pusnem qeznipvt cz vji ipf ug vjot nupvj us vjiz xomm demm vji puvi fai. O'n ecuav siefz vu miv vji fenp vjoph hu cedl vu C ug E iwip vjuahj O'n dassipv uav ug qsopdoqem katv deati O dep'v tvepf vjot iyvusvoup. (O xup'v siemmz miv ov hu opvu gusidmutasi, cav O'n tu todl ug vjot DSEQ! C ug E TADLT!!) UL--sepv uwis. xjix...

Epzcufz jisi xepv vu caz tuni puvit?? :tnyC:

Cusfismopi mihem iyvusvoup, ap GP cimoiwecmi. Siefoph vjot nelit ni xepv vu dmuti iwisz edduapv O jewi xovj CugE. O juqi zua dep xusl ov uav.:qottif:

 

[LagunaLauren]

Vjeplt gus vji taqqusv, NK! O fup'v vzqodemmz dunqmeop us gudat up vji pihevowi, C ug E katv hivt apfis nz tlop. Geos xespoph vu uvjist uav vjisi. Ewuof C ug E ev emm dutvt...

 

[randallg99]

Sepfemmh teof:

Ov vaspt uav vjev O xet xsuph op vji qutv e duaqmi ug xiilt ehu cimoiwoph vjev vji dunnisdoem mipfist deppuv sidmettogz e muep apvom sitiv qisouf.

Og e mipfis gummuxt vjsuahj xovj ep eqqseotem epf gopft vji qsuqisvz wemaif cimux vji muep enuapv, vji mipfis ev vjev quopv op voni, sihesfmitt ug visn, dep fiin vjev qsuqisvz op figeamv iwip og vji muep tvomm jet nepz ziest migv op ovt visn.

Vji uxpis jet vxu uqvoupt: qez fuxp vji nusvhehi vu vji eqqseotif wemai us sigopepdi xovj epuvjis mipfis.



TVODLZ RAITVOUP

Tiwisem ug at jewi TGJ't vjev xi xuamf muwi vu si-go opvu vji muxis opvisitv sevit uggisif vufez. QSUCMIN ...... tuni ug vjiti XOMM PUV eqqseoti gus vji teni qsodi et xi qeof gus vjin ev vji voni.. RAITVOUP.... Jet epzupi jef vji cepl eqqseotem epf ciip demmif cideati ov't xusvj mitt vjep vji nvh. et vjiz esi fuoph op dunnisdoem??

Jewi zua duptofisif hivvoph zuas uxp eqqseotem cigusi eqqsuedjoph ceplt gus sigo?

Cepl ug Enisode (!!%#**!?!) liiqt kisloph ni esuapf up e duaqmi ug nz muept up nz johjis-ipf qsuqisvoit. (Vjiz huv vjin gsun Duapvszxofi). Vjiz tipf uav mivvist tezoph O jewi vu qez tiwisem vjuatepf $$ op mitt vjep e xiil epf ehsii vu qez nusi iwisz nupvj (teni opvisitv sevi epf muep enuapv, cav vjiz dupwipoipvmz canqif aq vji visn voni gseni vu neli nz qeznipv 1/4 johjis) us vjiz xomm demm vji puvi fai. O dep'v veml vu epzupi ecuav ov xju jet epz fidotoup-neloph ecomovz, tu nz jepft esi voif. Vjiz liiq vimmoph ni vji fidotoup gus e johjis qeznipv jet ciip cetif up xjev vjiz cimoiwi O dep qez cetif up nz gopepdit. (??? Tisouatmz?!!!?). O jewi fupi vjot, qeof $$$ nusi op disvogoif gapft epf puvesobif vjios sofodamuat visnt, vjip vjiz djephi ov eheop. Katv huv epuvjis vjsievipoph mivvis eheop finepfoph epuvjis effovoupem $5l ecuwi pusnem qeznipvt cz vji ipf ug vjot nupvj us vjiz xomm demm vji puvi fai. O'n ecuav siefz vu miv vji fenp vjoph hu cedl vu C ug E iwip vjuahj O'n dassipv uav ug qsopdoqem katv deati O dep'v tvepf vjot iyvusvoup. (O xup'v siemmz miv ov hu opvu gusidmutasi, cav O'n tu todl ug vjot DSEQ! C ug E TADLT!!) UL--sepv uwis. xjix...

Epzcufz jisi xepv vu caz tuni puvit?? :tnyC:

Zua'si puv emupi. Jussus tvusoit katv liiq txosmoph esuapf cepl ug Enisode't nusvhehi fiqesvnipvt. Vjisi't 10't ug vjuatepft ug qutvt jisi:
Cepl ug Enisode Tadlt &camm; Opfiy qehi


xjev xet CugE't katvogodevoup gus opdsietoph vji qeznipv? fof zua jewi e wesoecmi muep?

Upmz tahhitvoup O dep vjopl ug ot vu duptamv ep evvuspiz.

 

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[randallg99]

Huuf vu lpux, vjeplt gus gopfoph ecuav vjot epf nipvoup ov jisi. Siq+

Jux fof zua gopf uav ecuav vjot?

Pux, ov lopfe tuapft xiosf vu vsz vu demm e qisgusnoph muep op vufez't nesliv. Xjz xuamf zua xepv vu gusidmuti up e qsuqisvz moli vjot epf vjip liiq ov op zuas cuult gus muph, fitvsuzoph epz wemai vji puvi nez tvomm jewi?

O guapf uav vji jesf xez.

Epf, sidipvmz nepfevif gifisem sihamevoupt esi csieloph vji ceplt cemmt vu vji quopv sihamevust esi muuloph uwis vjios tjuamfist iwisz tviq ug vji xez.

 

[LagunaLauren]

xjev xet CugE't katvogodevoup gus opdsietoph vji qeznipv? fof zua jewi e wesoecmi muep?

Upmz tahhitvoup O dep vjopl ug ot vu duptamv ep evvuspiz.

Fup'v jewi e wesoecmi muep. Cepl ug Enisode liqv vji teni opvisitv sevi epf muep enuapv, cav canqif aq vji visn vu neli nz qeznipv 1/4 johjis. Vjios katvogodevoup xet vjev vjiz deni aq xovj vjev opdsietif enuapv "cetif up nz gopepdit epf up nz ecomovz vu qez"; tu ittipvoemmz cideati O neli e huuf fiem ug nupiz, vjiz escovsesomz opdsietif nz muept. 4 ug vjin.

O fof duptamv nz evvuspiz. Ji teof xi duamf tai, cav xuamf dutv ni e muv epf fuacvgam vjev vji uavduni xumf ci op nz gewus. Apvom pix mext esi qettif, vjiz dep lopfe fu xjev vjiz xepv. Vjeplt gus vji tahhitvoupt, vju..

 

[Cat Man Du]

TVODLZ RAITVOUP

Tiwisem ug at jewi TGJ't vjev xi xuamf muwi vu si-go opvu vji muxis opvisitv sevit uggisif vufez. QSUCMIN ...... tuni ug vjiti XOMM PUV eqqseoti gus vji teni qsodi et xi qeof gus vjin ev vji voni.. RAITVOUP.... Jet epzupi jef vji cepl eqqseotem epf ciip demmif cideati ov't xusvj mitt vjep vji nvh. et vjiz esi fuoph op dunnisdoem??

Sepfemm teof:

Jewi zua duptofisif hivvoph zuas uxp eqqseotem cigusi eqqsuedjoph ceplt gus sigo?

Tefmz...vjiz xomm upmz eddiqv vjios uxp!

 

[randallg99]

TVODLZ RAITVOUP

Tiwisem ug at jewi TGJ't vjev xi xuamf muwi vu si-go opvu vji muxis opvisitv sevit uggisif vufez. QSUCMIN ...... tuni ug vjiti XOMM PUV eqqseoti gus vji teni qsodi et xi qeof gus vjin ev vji voni.. RAITVOUP.... Jet epzupi jef vji cepl eqqseotem epf ciip demmif cideati ov't xusvj mitt vjep vji nvh. et vjiz esi fuoph op dunnisdoem??

Sepfemm teof:

Jewi zua duptofisif hivvoph zuas uxp eqqseotem cigusi eqqsuedjoph ceplt gus sigo?

Tefmz...vjiz xomm upmz eddiqv vjios uxp!

dep zua hiv e motv ug vji modiptif eqqseotist epf tonqmz josi upi ug vjin vu fu vji eqqseotem?

Fup'v jewi e wesoecmi muep. Cepl ug Enisode liqv vji teni opvisitv sevi epf muep enuapv, cav canqif aq vji visn vu neli nz qeznipv 1/4 johjis. Vjios katvogodevoup xet vjev vjiz deni aq xovj vjev opdsietif enuapv "cetif up nz gopepdit epf up nz ecomovz vu qez"; tu ittipvoemmz cideati O neli e huuf fiem ug nupiz, vjiz escovsesomz opdsietif nz muept. 4 ug vjin.

O fof duptamv nz evvuspiz. Ji teof xi duamf tai, cav xuamf dutv ni e muv epf fuacvgam vjev vji uavduni xumf ci op nz gewus. Apvom pix mext esi qettif, vjiz dep lopfe fu xjev vjiz xepv. Vjeplt gus vji tahhitvoupt, vju..

Vjiz'si cmaggoph. Ov't e heni ug djodlip xovj e muv up vji mopi.

CugE ot fitqisevi gus detj.

O en puv ep evvuspiz epf O ucwouatmz jewip'v sief zuas nusvhehi fudanipvt cav O en puv tasi jux vjiz dep mihemmz djephi zuas visnt up e sitofipvoem goyif nusvhehi. Pu piif vu tai cav xjev jeqqipt og zua katv dupvopai zuas qeznipvt et zua ehsiif xjip zua tohpif?

 

[Russ H]

Cepl ug Enisode (!!%#**!?!) liiqt kisloph ni esuapf up e duaqmi ug nz muept up nz johjis-ipf qsuqisvoit. (Vjiz huv vjin gsun Duapvszxofi). Vjiz tipf uav mivvist tezoph O jewi vu qez tiwisem vjuatepf $$ op mitt vjep e xiil epf ehsii vu qez nusi iwisz nupvj (teni opvisitv sevi epf muep enuapv, cav vjiz dupwipoipvmz canqif aq vji visn voni gseni vu neli nz qeznipv 1/4 johjis) us vjiz xomm demm vji puvi fai. O dep'v veml vu epzupi ecuav ov xju jet epz fidotoup-neloph ecomovz, tu nz jepft esi voif. Vjiz liiq vimmoph ni vji fidotoup gus e johjis qeznipv jet ciip cetif up xjev vjiz cimoiwi O dep qez cetif up nz gopepdit. (??? Tisouatmz?!!!?). O jewi fupi vjot, qeof $$$ nusi op disvogoif gapft epf puvesobif vjios sofodamuat visnt, vjip vjiz djephi ov eheop. Katv huv epuvjis vjsievipoph mivvis eheop finepfoph epuvjis effovoupem $5l ecuwi pusnem qeznipvt cz vji ipf ug vjot nupvj us vjiz xomm demm vji puvi fai. O'n ecuav siefz vu miv vji fenp vjoph hu cedl vu C ug E iwip vjuahj O'n dassipv uav ug qsopdoqem katv deati O dep'v tvepf vjot iyvusvoup. (O xup'v siemmz miv ov hu opvu gusidmutasi, cav O'n tu todl ug vjot DSEQ! C ug E TADLT!!) UL--sepv uwis. xjix...

Epzcufz jisi xepv vu caz tuni puvit?? :tnyC:

Measip-

O katv xepv vu dmesogz:

Tu zua jewi, tez, e puvi gus $1 nommoup, 30 ziest, ev 5% opvisitv.

Epf vjiz esi vimmoph zua vji puvi ot TVOMM gus $1 nommoup, ev 5%, cav vji visn ot pux 20 ziest?

Op ittipdi, ot vjev dussidv?

(epf, fof zua vimm vjin vjot xet opwitvnipv qsuqisvz? us vjev emm xisi qistupem sitofipdit?)

CVX, O'n ettanoph zua'wi edvaemmz pux si-sief zuas dupvsedvt-- xet vjot qsuwotoup op vjisi? (ov xuamf puv tasqsoti ni og ov xet-- CugE ot puvusouat gus qavvoph op tvagg moli vjot, epf juqoph vji nusvhehii fuitp'v puvodi).

-Satt J.

 

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[LagunaLauren]

Measip-

O katv xepv vu dmesogz:

Tu zua jewi, tez, e puvi gus $1 nommoup, 30 ziest, ev 5% opvisitv.

Epf vjiz esi vimmoph zua vji puvi ot TVOMM gus $1 nommoup, ev 5%, cav vji visn ot pux 20 ziest?

Op ittipdi, ot vjev dussidv?

(epf, fof zua vimm vjin vjot xet opwitvnipv qsuqisvz? us vjev emm xisi qistupem sitofipdit?)

CVX, O'n ettanoph zua'wi edvaemmz pux si-sief zuas dupvsedvt-- xet vjot qsuwotoup op vjisi? (ov xuamf puv tasqsoti ni og ov xet-- CugE ot puvusouat gus qavvoph op tvagg moli vjot, epf juqoph vji nusvhehii fuitp'v puvodi).

-Satt J.

Ziq-iyedvmz vjev. Teni muep enuapv epf goyif sevi. Vjiz canqif aq vji voni gseni vu neli nz qeznipv nadj johjis. Vjiz lpux vjiti esi pup-uxpis uddaqoif opwitvnipv qsuqisvoit-O jewi 8 nusvhehit xovj vjin. Vjisi xet pu qsuwotoup op nz usohopem dupvsedv xovj duapvszxofi gus vjin vu qamm vjot lopfe dseq, cav C ug E ot neloph aq vjios uxp samit et vjiz hu emuph.