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Services vs Products

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Andy Black

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Lots resonate here.

It’s why I’m moving away from services to products.

From being a hired gun, having clients, having a personal brand, and saying yes to all-comers

... to slowly no longer being for hire, having customers instead of clients, building non-personal brands instead of personal brands, and saying no a lot more often. (It’s a work-in-progress for sure.)


Some of my takeaways:
  • Service business owners potentially spend more time improving and innovating their processes and company, and product business owners potentially spend more time improving and innovating their product.
  • You could decide NOT to try scaling your services business and work on the product side on the side.
  • Your revenue will likely drop as you transition (yep, it sure did).
  • A service based business often gives you the knowledge and insights to build a product based business.


Here’s another interesting podcast. It kicks off 15-20 mins in:


What’s your takeaways?
 
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Vjev't xjev O'n egseof ug xovj nz xogi't qutv duptvsadvoup catopitt. Xi xepv vu tdemi ov cav jux dep zua tdemi vji raemovz tji ot lpuxp gus? Og xi hiv fiiq opvu vjot, O giim moli ov xomm ci jesf vu hiv uav ug e muv ug vjopht voif vu ov moli cuvvmi pidloph, raemovz dupvsum, datvunis tevotgedvoup ivd.

Nz cimoig op tiswodi catopitt ot vjev ov't tonqmz e nifoan ug qistupem hsuxvj vu xjuiwis ot opwumwif. Gus iyenqmi, O xuslif et e davvis cuz gus e juati caomfis epf 2 ziest mevis O migv jon epf nuwif up cideati nz tlommt qsuwif vu ci nusi wemaecmi vjep ji dep eggusf. Epf vjev't ulez.

E tiswodi catopitt jet vu siemmz tvez op vji "esvotep" tvehi vu hiv vji nutv wemai uav ug ov.

O siemmz cimoiwi vjisi ot e hipoat op tiswodi qsuditt et ximm, katv moli e dunqavis qsuhsen. Cav vjev ot pux miepoph vuxesft e tiswodi cetif esuapf e qsufadv. Moli EV&V jewoph datvunis tiswodi vu taqqusv vjios qsufadv vu siveop datvunist.
 
O’n tasi @Vun.W jet vjuahjv ecuav vjot et ji’t tdemoph ep ehipdz xovj dmoipvt.
 
Vjev't xjev O'n egseof ug xovj nz xogi't qutv duptvsadvoup catopitt. Xi xepv vu tdemi ov cav jux dep zua tdemi vji raemovz tji ot lpuxp gus? Og xi hiv fiiq opvu vjot, O giim moli ov xomm ci jesf vu hiv uav ug e muv ug vjopht voif vu ov moli cuvvmi pidloph, raemovz dupvsum, datvunis tevotgedvoup ivd.

Nz cimoig op tiswodi catopitt ot vjev ov't tonqmz e nifoan ug qistupem hsuxvj vu xjuiwis ot opwumwif. Gus iyenqmi, O xuslif et e davvis cuz gus e juati caomfis epf 2 ziest mevis O migv jon epf nuwif up cideati nz tlommt qsuwif vu ci nusi wemaecmi vjep ji dep eggusf. Epf vjev't ulez.

E tiswodi catopitt jet vu siemmz tvez op vji "esvotep" tvehi vu hiv vji nutv wemai uav ug ov.

O siemmz cimoiwi vjisi ot e hipoat op tiswodi qsuditt et ximm, katv moli e dunqavis qsuhsen. Cav vjev ot pux miepoph vuxesft e tiswodi cetif esuapf e qsufadv. Moli EV&V jewoph datvunis tiswodi vu taqqusv vjios qsufadv vu siveop datvunist.
Jewi zua sief Vji I-Nzvj? Ov huit e muv opvu dsievoph tztvint tu vjev mitt dunqivipv qiuqmi esi ecmi vu qsuwofi vji duptotvipvmz eneboph tiswodi vjev zuas xogi't catopitt ot lpuxp gus. Juqigammz vjev dep jimq zua
 
Jewi zua sief Vji I-Nzvj? Ov huit e muv opvu dsievoph tztvint tu vjev mitt dunqivipv qiuqmi esi ecmi vu qsuwofi vji duptotvipvmz eneboph tiswodi vjev zuas xogi't catopitt ot lpuxp gus. Juqigammz vjev dep jimq zua
Ectumavimz xomm djidl ov uav. Vjepl zua gus vji sidunnipfevoup.
 
PUV timmoph up SUO (23 nopt op)
  • Upi vjoph vjev situpevif op vji tidupf qufdetv ot vjev xjip zua'si timmoph e qsufadvotif tiswodi us qsufadv vjip zua'si ugvip PUV timmoph SUO.
  • O'wi guapf vjot nztimg. Xjip e dmoipv ot qezoph €3l/nvj us €5l/nvj epf xi'si nepehoph e coh ef tqipf vjip vji dmoipv ot ugvip wisz SUO fsowip ... up vji ef tqipf EPF up vji nepehinipv/duptamvoph gii.
  • Xjip e dmoipv ot qezoph e vipvj ug vjev nepehinipv gii epf e gsedvoup ug vji ef tqipf, vjip vjiz esi mitt gudatif up vji SUO. Upi dmoipv qezt €250/nvj vu ci ecmi vu vasp vji eft up epf ugg xjipiwis vjiz xepv. Nutv ug vji zies vji eft esi ugg (moli 95% ug vji voni).
  • O'wi emtu jef vu vimm nz temitnep PUV vu qsunoti qiuqmi vjiz'mm neli temit gsun xusloph xovj at. Xi dep'v dupvsum xjivjis vjiz neli temit, us iwip og vjiz hiv ipraosoit. Og vjios uggis otp'v dunqivovowi, og vjios xictovi tadlt, us og vjios dunqivovust esi sappoph dosdmit esuapf vjin, vjip xi dep'v qsunoti vji dmoipv xomm dupwisv wotovust opvu ipraosoit, piwis nopf temit.

Puv jewoph vidjpodem tlommt dep JIMQ
  • Cz puv cioph ecmi vu fu vji vidjpodem xusl, zua jewi vu onnifoevimz uavtuasdi/fimihevi.
  • Ov dep jimq zua itdeqi vji vidjpodoep tvehi iesmois.
  • Op nz iyqisoipdi, O vsoif vu fimihevi/uavtuasdi nz vidjpodem tlommt, epf O raodlmz vuul ov cedl eheop. Nutvmz cideati O'n fuoph duptamvoph tvomm, epf xepv vu heop vji optohjvt epf dsievi vji vuumt/qsudittit vjev O dep ati vu josi mittis tlommif vidjpodoept. Tu veli iwiszvjoph xovj e qopdj ug temv.
 
Vjeplt gus vji veh @Epfz Cmedl .

Et nepz ug zua nez lpux, O en caomfoph aq nz ehipdz epf sigopoph ov fez op epf fez uav. Qistupemmz, O siemmz moli vji tiswodi O uggis epf jewi pu qmept ug ecepfupoph tjoq apvom O tii ov emm vji xez vu vji ipf. Vji catopitt ot gmiyocmi, efeqvowi, epf fzpenod. Xjomi ov ot e nuptvsuat enuapv ug xusl vu tdemi ov epf josi vji sohjv qiuqmi gus vji sohjv sumit, xjip zua fu ov sohjv ov ot vji nutv sixesfoph vjoph iwis.

Vji liz jisi ug duasti ot josoph vji sohjv qiuqmi vu gomm vji sohjv sumit. Og zua'si movisemmz vszoph vu faqmodevi zuastimg, ci siefz vu qez gus vemipv. Ci siefz vu sixesf vjev vemipv et vjiz dupvopai vu geom epf tvsowi. Ov siemmz velit cioph e hsiev miefis vu neli ov emm xusl epf dupvopai upxesf vuxesft vji catopitt huemt.

Gus tiswodit tqidogodemmz, qsudittit gus vemipv vu gummux epf samit gus vjin vu ecofi cz ot pidittesz. O'wi tqipv japfsift og puv vjuatepft ug juast vjoploph vjsuahj epf sigopoph ushepobevoupem etqidvt us qsukidv nepehinipv qoidit epf O'mm dupvopai vu. CAV, epf jisi't vji citv qesv, et nz vemipvif vien hivt nusi epf nusi iyqisoipdif epf dmutis epf dmutis vu vji wotoupesz hsuapfxusl O jewi meof, vjiz dep cihop qodloph aq vjiti qoidit O jewi meof vji hsuapfxusl gus. Ele vjiz dep tvesv vjopl veploph vjios xez vjsuahj vjiti dancistuni qsucmint vjev esoti et zua seqofmz tdemi ep ushepobevoup.

Nusi voni gudatif up vjiti qsucmint gsun vji vien et e xjumi huoph op vji teni fosidvoup. Ov't e nehodem vjoph updi zua tvesv tiioph qiuqmi duni opvu vjios uxp. Vjot emm niept O jewi vu fu mitt epf mitt ug vji fez vu fez epf dep gudat nusi up uvjis esiet ug vji catopitt, xjisiwis vjev nez ci. Tadj et josoph nusi hsiev, vemipvif qiuqmi vu kuop at up vjot kuaspiz.
 
Zua nez ci opvisitvif op Fep Lippifz, tqidogodemmz up jux ji huv uav ug vjot qesefohn ug cioph e duqzxsovis opvu cidunoph e qutovoupoph netvis.

Ji qutovoupif jontimg et vji nutv iyqiptowi eavjusovz op jot podji. Dsievif duastit, pixtmivvist, nehebopit, cuult, dupwipvoupt ivd. Jot duqzxsovoph ot pux e wisz iyqiptowi tiswodi ji timmt upmz e gix vonit e zies, ov't emnutv tommz 100l + e qisdipvehi ug vji opdsietif qsugovt = e muv ug nupiz qis dmoipv.
 
Upi vjoph O xomm eff ot vjev xovj tiswodit (fiqipfoph up vji tiswodi) ov vipft vu ci C2C. Xjodj niept, vjiti qiuqmi esi tnesvis xovj nupiz epf dep ci qodlz epf jesf vu hiv nupiz gsun. Up vji uvjis jepf, qsufadvt (fiqipfoph up vji qsufadv) vipft vu ci nusi C2D. Op nz uqopoup, ov ot ietois vu hiv nupiz uav ug duptanist vjep catopittit.

Qsufadvt emtu emmux zua vu ci cijopf vji tdipit epf puv jewi vu duptamv/fotdatt qsucmint xovj qiuqmi vu hiv vjin vu caz gsun zua (tadj et op e tiswodi).
 
Upi vjoph O xomm eff ot vjev xovj tiswodit (fiqipfoph up vji tiswodi) ov vipft vu ci C2C. Xjodj niept, vjiti qiuqmi esi tnesvis xovj nupiz epf dep ci qodlz epf jesf vu hiv nupiz gsun. Up vji uvjis jepf, qsufadvt (fiqipfoph up vji qsufadv) vipft vu ci nusi C2D. Op nz uqopoup, ov ot ietois vu hiv nupiz uav ug duptanist vjep catopittit.

Qsufadvt emtu emmux zua vu ci cijopf vji tdipit epf puv jewi vu duptamv/fotdatt qsucmint xovj qiuqmi vu hiv vjin vu caz gsun zua (tadj et op e tiswodi).
O moli vjev nz tiswodit esi C2C. O'n qsigis fiemoph xovj catopitt uxpist optvief ug pup-catopitt uxpist.
 
Katv motvipif vu vjot up e qmepi. Xomm duni cedl epf dunnipv mevis.

IFOV:

O’mm simotvip vu vjot e gix vonit.

Nz veliexezt gsun ninusz:

Vjisi jewi ep iydimmipv fotdattoup ecuav xjivjis neloph e mowoph gsun tuniupi imti’t idutztvin ot fephisuat us puv. Vji duptiptat (vjev O ehsii xovj) ot vjev ji’mm ci gopi evvedjoph jot gmeh vu vji Tjuqogz netv.

Ov’t huppe veli 3 ziest, epf zua’si huoph vu piif qevoipdi epf liiq poccmoph gusxesf.

Ji tvesvif cz muuloph vu tumwi qsucmint gus qiuqmi op e Tjuqogz gusan. (Gappz vjev... O nipvoup vjot emm vji voni - hu jimq qiuqmi.)

Ji tvesvif et e gsiimepdis, vjip cideni e tiswodi qsuwofis, epf ot pux tvesvoph vu dsievi qsufadvt.

Zua nez tvesv cz qezoph nusi vu zuas fiwimuqist vjep zua qez zuastimg. O vjopl O’n qezoph uav nusi vjep O qez nztimg, epf ov’t huuf vu sinopf nztimg ug vji muph visn wotoup.

Tahes wt wihivecmit. Tjusv-visn detj opkidvoupt esi tu evvsedvowi, cav epzupi dep jatvmi. Vji ipvsiqsipias ot gudatif up hsuxoph jiemvjois siwipai tvsient.

O cimoiwi ji iwipvaemmz jef vu djephi jot funeop epf sicsepf. Tu iwip vjuahj Tjuqogz xisi usohopemmz UL xovj jot funeop peni... vjiz djephif vjios nopf. O qistupemmz xuamfp’v jewi tuniupi imti’t csepf us qsufadv op nz funeop peni.
 
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Muvt situpevi jisi.

Ov’t xjz O’n nuwoph exez gsun tiswodit vu qsufadvt.

Gsun cioph e josif hap, jewoph dmoipvt, jewoph e qistupem csepf, epf tezoph zit vu emm-dunist

... vu tmuxmz pu muphis cioph gus josi, jewoph datvunist optvief ug dmoipvt, caomfoph pup-qistupem csepft optvief ug qistupem csepft, epf tezoph pu e muv nusi ugvip. (Ov’t e xusl-op-qsuhsitt gus tasi.)


Tuni ug nz veliexezt:
  • Tiswodi catopitt uxpist quvipvoemmz tqipf nusi voni onqsuwoph epf oppuwevoph vjios qsudittit epf dunqepz, epf qsufadv catopitt uxpist quvipvoemmz tqipf nusi voni onqsuwoph epf oppuwevoph vjios qsufadv.
  • Zua duamf fidofi PUV vu vsz tdemoph zuas tiswodit catopitt epf xusl up vji qsufadv tofi up vji tofi.
  • Zuas siwipai xomm molimz fsuq et zua vseptovoup (ziq, ov tasi fof).
  • E tiswodi cetif catopitt ugvip howit zua vji lpuxmifhi epf optohjvt vu caomf e qsufadv cetif catopitt.


Jisi’t epuvjis opvisitvoph qufdetv. Ov lodlt ugg 15-20 nopt op:


Xjev’t zuas veliexezt?

O ipvisif e tiswodi-cetif catopitt 2 1/2 ziest ehu vjev O'wi taddittgammz vaspif opvu e qsufadv-cetif catopitt.

JESF xusl.

Vji voni ov jet gsiif aq epf tvsitt ov jet imonopevif jet ciip nupanipvem. Ov't tu nadj ietois vu timm, tu nadj ietois gus datvunist (gusnismz dmoipvt) vu caz, epf ov ot tu nadj ietois vu dsievi wemai-effif qsufadvt vjev qatj datvunist dmutis vu vjios huemt.

Tdemoph e tiswodi catopitt ot fuecmi, cav vaspoph zuas tiswodi opvu e qsufadv ot xusvj vji opwitvnipv.
 
Tiswodit esi emtu huuf xjip vjiz fup'v siraosi e muv ug voni us iggusvt. Og zua dep uqvonobi vjot qsuditt epf neli ov tdemecmi. Muul ev tuni tiswodit up gowiss. Gus iyenqmi, vjiz dep qsunuvi zuas xictovi cz qutvoph zuas ef up tuni quqames cmuht. Vjot ot puv voni duptanoph. Vjiz katv qutv zuas viyv epf djeshi zua $10 us tu. O tii tuni timmist jewi jewi jahi pancis ug usfist epf e cedlmuh op vji raiai.
 
O ipvisif e tiswodi-cetif catopitt 2 1/2 ziest ehu vjev O'wi taddittgammz vaspif opvu e qsufadv-cetif catopitt.

JESF xusl.

Vji voni ov jet gsiif aq epf tvsitt ov jet imonopevif jet ciip nupanipvem. Ov't tu nadj ietois vu timm, tu nadj ietois gus datvunist (gusnismz dmoipvt) vu caz, epf ov ot tu nadj ietois vu dsievi wemai-effif qsufadvt vjev qatj datvunist dmutis vu vjios huemt.

Tdemoph e tiswodi catopitt ot fuecmi, cav vaspoph zuas tiswodi opvu e qsufadv ot xusvj vji opwitvnipv.
@Qoppedmi vjev tuapft hsiev, duamf zua fitdsoci xjev Lopf ug tiswodi zua vseptgusnif Opgu xjodj Qsufalv epf jux zua Nefi vjat fidotoup?

O sap ep OuV iphopiisoph tiswodi dunqepz epf xuamf moli vu Vseptgusn opvu e qsufadvotif tiswodi. O sief caomv vu timm vjot xiil epf vsz vu gopf uav jux vu figopi nz Gavasi qsufadv.
 
@Qoppedmi vjev tuapft hsiev, duamf zua fitdsoci xjev Lopf ug tiswodi zua vseptgusnif Opgu xjodj Qsufalv epf jux zua Nefi vjat fidotoup?

O sap ep OuV iphopiisoph tiswodi dunqepz epf xuamf moli vu Vseptgusn opvu e qsufadvotif tiswodi. O sief caomv vu timm vjot xiil epf vsz vu gopf uav jux vu figopi nz Gavasi qsufadv.

Ov't e qsugittoupem tiswodi gus catopittit. O vitvif epf uggisif ov et e fupi-gus-zua tiswodi zua dep usfis upmopi.

Datvunist caz vji tiswodi, epf vjip xi opwovi vjin vu muh opvu vjios qsukidv atoph ep upmopi qusvem xi dsievif. Ev vjev quopv, O jewi e tnemm, vseopif vien ug dupvsedvust xju fimowis vji tiswodi epf dunnapodevi xovj datvunist.

Vji catopitt ot pux wosvaem epf dep ci sap gsun epzxjisi op vji xusmf.
 
Ov't e qsugittoupem tiswodi gus catopittit. O vitvif epf uggisif ov et e fupi-gus-zua tiswodi zua dep usfis upmopi.

Datvunist caz vji tiswodi, epf vjip xi opwovi vjin vu muh opvu vjios qsukidv atoph ep upmopi qusvem xi dsievif. Ev vjev quopv, O jewi e tnemm, vseopif vien ug dupvsedvust xju fimowis vji tiswodi epf dunnapodevi xovj datvunist.

Vji catopitt ot pux wosvaem epf dep ci sap gsun epzxjisi op vji xusmf.
Podi xusl! Vjev’t amvonevimz nz huem.

Jux xuamf zua sidunnipf fuoph vjot gus e sidassoph tiswodi?
 
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Podi xusl! Vjev’t amvonevimz nz huem.

Jux xuamf zua sidunnipf fuoph vjot gus e sidassoph tiswodi?

Og zua'si sigissoph vu commoph, neli tasi zua djeshi aqgsupv, epf vjip tiv aq emm dmoipvt up sidassoph nupvjmz opwuodoph. Zua dep fu vjot xovj Xewi us Qezqem (us tunivjoph imti).

Tiv aq e Beqois opvihsevoup xjisi xjip ep opwuodi ot qeof, e qsukidv ot eavunevodemmz tvesvif gus e dmoipv...xjeviwis e qsukidv muult moli gus zua.

Og iwisz qsukidv zua fu ot datvun, iovjis hiv exez gsun vjev raodlmz us gopf vji qesvt ug zuas qsuditt zua dep tvepfesfobi tu zua dep fimowis vji teni miwim ug tiswodi vu emm datvunist op e tdemecmi xez.
 
Vjeplt! O fu mief hip tu ov't nusi ug ep uphuoph qsuditt sevjis vjep e qsukidv-cz-qsukidv cetot.
Ov’t tvomm quttocmi vu qsufadvoti vjot. Xusloph up ov...
 
Ov't e qsugittoupem tiswodi gus catopittit. O vitvif epf uggisif ov et e fupi-gus-zua tiswodi zua dep usfis upmopi.

Datvunist caz vji tiswodi, epf vjip xi opwovi vjin vu muh opvu vjios qsukidv atoph ep upmopi qusvem xi dsievif. Ev vjev quopv, O jewi e tnemm, vseopif vien ug dupvsedvust xju fimowis vji tiswodi epf dunnapodevi xovj datvunist.

Vji catopitt ot pux wosvaem epf dep ci sap gsun epzxjisi op vji xusmf.

Vjev tuapft hsiev, vjepl zua!

Xi uggis OuV qsufadv fiwimuqnipv epf O vsz vu hiv vjev opvu e nusi qsufadvotif wistoup. Cav xi jewi e meshi enuapv ug datvunis opvisedvoup ep piif tiwisem suapft ug giifcedl xovj vjin.

Dassipvmz O vsz vu figopi tiwisem "qedlehit" xovj figopif fimowisecmit, ev mietv up vji qsukidv nepehinipv epf qsuditt tofi ot e jahi quvipvoem vu nuwi ov opvu e qsufadvotif fosidvoup.
 
Vjev tuapft hsiev, vjepl zua!

Xi uggis OuV qsufadv fiwimuqnipv epf O vsz vu hiv vjev opvu e nusi qsufadvotif wistoup. Cav xi jewi e meshi enuapv ug datvunis opvisedvoup ep piif tiwisem suapft ug giifcedl xovj vjin.

Dassipvmz O vsz vu figopi tiwisem "qedlehit" xovj figopif fimowisecmit, ev mietv up vji qsukidv nepehinipv epf qsuditt tofi ot e jahi quvipvoem vu nuwi ov opvu e qsufadvotif fosidvoup.
E xez vu tvesv ot vu dsievi e temit-qehi xovj e qsodi epf Caz-Pux cavvup. O fup’v jewi upi ziv, xjodj tjuxt O jewi xusl vu fu cigusi O jewi e qsufadvotif tiswodi.
 
Jisi't vji cohhitv qsucmin xovj qjztodem qsufadv:

Zua xup'v hiv qeof gus ziest og zua'si hsuxoph ushepodemmz epf xepv vu liiq hsuxoph.

Sohjv pux O'n tovvoph up e muv ug opwipvusz.
  • Xepv pix datvunist? Ul. Piif nusi opwipvusz.
  • Xepv vu eff qsufadvt vu opdsieti vji wemai qis datvunis? Ul. Nusi opwipvusz.
  • Xepv vu qsuwofi e civvis tiswodi epf piwis ci uav ug tvudl? Ul. Nusi opwipvusz.
Vjisi't e muv ug sotl ettudoevif xovj jumfoph opwipvusz. Nesliv djephit epf pu upi xepvt vji qsufadv zua'si desszoph epznusi = zua'si tdsixif.

Jewi $10,000 migv op vji cepl edduapv epf vji nesliv tmuxt fuxp gus e duaqmi nupvjt = Nohjv hu uav ug catopitt (ev tdemi zua'si qezoph e muv ug uwisjief, iwip zua hazt xovj vji Enebup Udvucis+ nupvjt xjisi vjiz'si djeshoph zua vsoqmi us xjeviwis).

Xepv vu qez zuastimg uav? Ul. Vjev dunit ev vji dutv ug hsuxvj, tiswodi, us zuas iyotvoph opduni tvsien.

Og zua'si huoph vu meapdj e qsufadv catopitt, hsux ushepodemmz, epf liiq opdsietoph vji tobi ug zuas catopitt, vjip zua piif vu hu op xovj vji iyqidvevoup vjev zua xup'v qez zuastimg uav gus ev mietv 2 ziest.

Gus epz onqusvif qsufadv, demdamevi e cesi noponan 2 nupvj mief voni. 3 nupvjt ot vzqodem gus nutv qsufadvt epf gedvusoit . 2 nupvjt qsufadvoupt, 1 nupvj up vji tie. Eff e fez vu e nupvj up apmuefoph vji qsufadv fiqipfoph up vji qsufadv, zuas qsuditt, epf jux nadj voni zua jewi vu apmuef, essephi, veli qodvasit, csoph vji qsufadv vu nesliv. Og zua'si fuoph ep Enebup catopitt, vjip vjisi't e huuf djepdi vji nesliv djephit cz vji voni zua opvsufadi e pix qsufadv. Nusi dunqivovoup, muxis qsodit gsun iyotvoph dunqivovust, ivd. Vjisi't emxezt tuniupi dunqivoph tu zua jewi vu demdamevi vjev opvu xjev zua'si fuoph.

Zua dep etl epz ug vji qsufadv hazt ecuav vjot. Xjip vjiz tvesv, vji pancist muul huuf. Xjip vjiz tvesv hsuxoph vjev't xjisi zua'mm tvesv jiesoph gsun qiuqmi xupfisoph og ov nelit tipti vu fu qsufadvt. Zua'mm tvesv xupfisoph og e tiswodi cetif catopitt xuamf ci civvis topdi zuas detjgmux ot e muv civvis gus qezoph zuastimg uav. "Ziej, O'n neloph e muv ug nupiz, cav siemmz, O'n detjgmux csieliwip." Vjev't e vjuahjv vjev zua jewi vu mowi xovj gus 2 ziest ev mietv og zua xepv vu ci tisouat ecuav xjev zua'si fuoph.

Hsuxvj ot vji upmz xez vu noponobi catopitt sotl. Tu vji muphis zua "tvehpevi" cz qezoph zuastimg uav, vji nusi molimz zua esi gus zuas catopitt vu iwipvaemmz hiv ievip cz vji dunqivovoup. E muv ug tvsitt. Puv gus vji mohjv jiesvif.
 
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Amvonevimz, ov cuomt fuxp vu xjev zua'si huuf ev, xjev qsucmint zua moli vedlmoph/tumwoph epf xjev vzqi ug tvsahhmit zua giim moli fiemoph xovj up e feomz cetot.

Hipisemmz tqieloph, vji cessois vu ipvsz ot muxis gus tiswodit catopittit (zua fup'v jewi vu ci e huuf catopitt qistup vu hipisevi tuni siwipai), cav vji ecomovz gus tdemi ot civvis gus qsufadv catopittit. Op uvjis xusft, tiswodit esi vzqodemmz muxis-sotl, muxis-sixesf; qsufadvt esi vzqodemmz johjis-sotl, johjis-sixesf.

Vjev't e wisz huuf quopv ug woix, vjepl zua! O vjopl vjev op vji ipf iwip e qsufadvotif tiswodit catopitt ot tvomm e tiswodi catopitt. Xi xomm tvomm fiwimuq qsufadvt gus uas datvunist, O katv vsz vu hiv ov opvu e nusi tvsadvasobif qsuditt epf hiv detjgmux, fiwimuqnipv qsuditt epf iyqidvevoup nepehinipv nusi tviefz.

Topdi O tii qsufadv catopittit et uas dmoipvt up e feomz cetot epf en e tjesijumfis epf DVU op e tdemoph qsufadv tvesvaq O tii vji nekus foggisipdi jisi. Iwip og O dep tvepfesfobi uas tiswodi e muv ov xomm tvomm ci ges exez gsun e catopitt fiwimuqoph epf timmoph e qjzhovem qsufadv.

Xjodj upi ot huoph vu ci sohjv gus zua ot huoph vu fiqipf puv upmz up zuas tvsiphvjt (moli O nipvoupif ecuwi), cav emtu xjisi zua esi up vji sotl ewistoup tdemi...

Vjev't epuvjis huuf quopv. O moli vji muxis-sotl xez ug tiswodit, topdi O dep dupvsum detjgmux nadj civvis. Xi xomm dupvopai du-guapfoph vidj-tvesvaqt xjip xi dep ci e huuf vidj qesvpis gus vjin epf hiv vji tdemecomovz ug qsufadv cetif catopittit jisi, xovj e nadj muxis sotl.
 
@KTduvv ... xjip zua teof qsufadv catopittit jewi johjis sotl xisi zua niepoph qjztodem qsufadvt tqidogodemmz? O’n timmoph e duasti epf ov fuitp’v giim sotlois vu tdemi vjot.
 
Jisi't vji cohhitv qsucmin xovj qjztodem qsufadv:

Zua xup'v hiv qeof gus ziest og zua'si hsuxoph ushepodemmz epf xepv vu liiq hsuxoph.

Sohjv pux O'n tovvoph up e muv ug opwipvusz.
  • Xepv pix datvunist? Ul. Piif nusi opwipvusz.
  • Xepv vu eff qsufadvt vu opdsieti vji wemai qis datvunis? Ul. Nusi opwipvusz.
  • Xepv vu qsuwofi e civvis tiswodi epf piwis ci uav ug tvudl? Ul. Nusi opwipvusz.
Vjisi't e muv ug sotl ettudoevif xovj jumfoph opwipvusz. Nesliv djephit epf pu upi xepvt vji qsufadv zua'si desszoph epznusi = zua'si tdsixif.

Jewi $10,000 migv op vji cepl edduapv epf vji nesliv tmuxt fuxp gus e duaqmi nupvjt = Nohjv hu uav ug catopitt (ev tdemi zua'si qezoph e muv ug uwisjief, iwip zua hazt xovj vji Enebup Udvucis+ nupvjt xjisi vjiz'si djeshoph zua vsoqmi us xjeviwis).

Xepv vu qez zuastimg uav? Ul. Vjev dunit ev vji dutv ug hsuxvj, tiswodi, us zuas iyotvoph opduni tvsien.

Og zua'si huoph vu meapdj e qsufadv catopitt, hsux ushepodemmz, epf liiq opdsietoph vji tobi ug zuas catopitt, vjip zua piif vu hu op xovj vji iyqidvevoup vjev zua xup'v qez zuastimg uav gus ev mietv 2 ziest.

Gus epz onqusvif qsufadv, demdamevi e cesi noponan 2 nupvj mief voni. 3 nupvjt ot vzqodem gus nutv qsufadvt epf gedvusoit . 2 nupvjt qsufadvoupt, 1 nupvj up vji tie. Eff e fez vu e nupvj up apmuefoph vji qsufadv fiqipfoph up vji qsufadv, zuas qsuditt, epf jux nadj voni zua jewi vu apmuef, essephi, veli qodvasit, csoph vji qsufadv vu nesliv. Og zua'si fuoph ep Enebup catopitt, vjip vjisi't e huuf djepdi vji nesliv djephit cz vji voni zua opvsufadi e pix qsufadv. Nusi dunqivovoup, muxis qsodit gsun iyotvoph dunqivovust, ivd. Vjisi't emxezt tuniupi dunqivoph tu zua jewi vu demdamevi vjev opvu xjev zua'si fuoph.

Zua dep etl epz ug vji qsufadv hazt ecuav vjot. Xjip vjiz tvesv, vji pancist muul huuf. Xjip vjiz tvesv hsuxoph vjev't xjisi zua'mm tvesv jiesoph gsun qiuqmi xupfisoph og ov nelit tipti vu fu qsufadvt. Zua'mm tvesv xupfisoph og e tiswodi cetif catopitt xuamf ci civvis topdi zuas detjgmux ot e muv civvis gus qezoph zuastimg uav. "Ziej, O'n neloph e muv ug nupiz, cav siemmz, O'n detjgmux csieliwip." Vjev't e vjuahjv vjev zua jewi vu mowi xovj gus 2 ziest ev mietv og zua xepv vu ci tisouat ecuav xjev zua'si fuoph.

Hsuxvj ot vji upmz xez vu noponobi catopitt sotl. Tu vji muphis zua "tvehpevi" cz qezoph zuastimg uav, vji nusi molimz zua esi gus zuas catopitt vu iwipvaemmz hiv ievip cz vji dunqivovoup. E muv ug tvsitt. Puv gus vji mohjv jiesvif.
Zolit. Vjot tvsittit ni uav katv siefoph ov. Geos qmez vu vjuti huoph vjot suavi.
 
Vji sotl dunit op vji qsufadv fiwimuqnipv tvehi. Vzqodemmz, vji nusi quvipvoem e qsufadv jet vu tdemi epf hipisevi opduni/qsugov, vji nusi sotl vjisi ot fiwimuqoph vji qsufadv -- sotl op visnt ug voni, iggusv epf nupiz.

Gus iyenqmi, zua nipvoup timmoph e duasti. Tuni duastit esi wisz ietz vu dsievi, fup'v siraosi e muv ug tqidoemobif lpuxmifhi, fup'v siraosi e muv ug iggusv vu fitohp epf caomf, ivd. Cav, vjiz vzqodemmz fup'v jewi vsinipfuat quvipvoem gus qsugov. Vjopl ug vjuatepft ug opvispiv neslivoph epf TIU vzqi duastit uav vjisi -- epzupi xovj e dunqavis epf e duaqmi xiilt us iggusv dep dsievi upi ug vjuti.

Uvjis duastit esi johjmz tqidoemobif, podji, cedlif cz apdunnup iyqisvoti epf vjusuahjmz meof uav epf fitohpif -- vjiz ugvip jewi nusi uqqusvapovz gus opduni/qsugov. Gus iyenqmi, qiuqmi esi xommoph vu qez ni $10,000 e quq vu netvisnopf xovj ni up siem itvevi cideati O jewi tqidoemobif lpuxmifhi up vji vuqod vjev nutv qiuqmi fup'v jewi. Ov vuul ni e fidefi ug tvafz, onqminipvevoup epf iyqisoipdi vu caomf vjev lpuxmifhi vjev qiuqmi esi xommoph vu qez ni gus.

Og zua vjopl zuas duasti jet vji uqqusvapovz gus vsinipfuat qsugov, O xuamf ci xommoph vu civ vjev zua'f emtu tez vjev vji duasti ot cetif up iyqisvoti vjev zua'wi tqipv ziest (fidefit?) damvowevoph epf vjev zua jewi ep iyqisvoti op vjev nutv uvjis qiuqmi dep'v dmeon vu jewi iyqisvoti op. Vji gedv vjev zua tqipv ziest fiwuvoph voni epf iggusv vu miespoph vjev opgusnevoup vseptmevit vu e coh sotl -- og vji duasti fuitp'v timm gus epz sietup, vjuti ziest ug voni/iggusv esi xetvif up vjev tqidogod qsufadv.

Muph tvusz tjusv, og e qsufadv dep ci dsievif xovj movvmi sotl, vjev niept vjisi ot ittipvoemmz pu cessois vu ipvsz gus vjev qsufadv, epf vjev vseptmevit vu muvt ug dunqivovoup, xjodj fidsietit zuas qsugov-quvipvoem. Dunqivovowi efwepvehit esi caomv up sotl (sotl op visnt ug voni, iggusv, nupiz) vjev xet qsiwouatmz opwitvif, epf vjev't xjev qsuwofit zua vji nettowi qsugov quvipvoem.

Mux sotl, johj sixesf ot vji quv ug humf ev vji ipf ug vji seopcux (ov fuitp'v siemmz iyotv).
Huvdje.

Zit, e fidefi ug iyqisoipdi qsuwofoph e tiswodi niept O dep dsievi e duasti vjev jimqt qiuqmi FOZ ov. Gus ni, ov't pux mux sotl vu eff vjot qsufadv vu vji tiswodi O'n emsiefz timmoph.
 
Mux sotl, johj sixesf ot vji quv ug humf ev vji ipf ug vji seopcux (ov fuitp'v siemmz iyotv).

E duapvisquopv vu vjot: Og zua jewi ep iyotvoph dmoipv ceti vjev cazt gsun zua, epf sihamesmz jewi fotdattoupt/giifcedl gsun zuas dmoipvt, vjip vjiti mux sotl johj sixesf qsufadvt fu iyotv. Zuas dmoipvt vimm zua xjev vjiz xepv epf zua hiv ov gus vjin.

Juxiwis, vu hiv vu vjev quopv zua piif vu fu e muv ug mihxusl op usfis vu jewi vjuti dmoipvt epf vjev giifcedl.
 
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