So I dropped out... Here's why

[BlakeRVA]

And I agree that college is not for everyone. There is nothing wrong with learning a trade. We need more plumbers.

If someone wants to start a plumbing business that's fine. You can still make good money in blue collar work as @IceCreamKid has shown in his latest thread. Secondly, degrees are nice if you are trying to work for someone else. However, I don't think that is the path the majority of people on this forum are trying to travel down. Unless the degree is the most effective and efficient way to prepare yourself for the business you are attempting to create, I don't see a reason you need to go get a degree. Plenty of people skipped college and did fine for themselves, many of which are on this forum. Paging @MJ DeMarco @SteveO @Vigilante among others. Sure, you might not become the next billionaire drop out, but that doesn't mean you can't make more money that 99% of the people with college degrees.

I recently read an article that was trying to redefine how people viewed homelessness. One of the men that was interviewed was a homeless man in his 50's living in San Francisco who said he had a Masters of Finance from Stanford. While formal education certainly does attract the type of people who have the propensity to succeed it is not a bullet-proof method to success. I'm currently a Senior in college, so I don't condemn formal education, but I also understand that it is simply one of the many ways to obtain valuable skills. Keep an open mind Toni and you'll go a lot further in life.

 

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[LifeTransformer]

O'wi emxezt xupfisif jux zua dep miesp vu ci ep ipvsiqsipias cz huoph vu apowistovz?

Fu zua miewi xovj e catopitt? Og puv, jux ot ov viedjoph zua ecuav ipvsiqsipiastjoq?

 

[Ankerstein17]

Tu vjot ot edvaemmz vji gostv tinitvis o'wi ciip op tdjuum. O xet nekusoph op ipvsiqsipiastjoq tu o duamf ucwouatmz tvesv nz uxp dunqepz. Tu o vjuahjv vu nztimg, jux cipigodoem ot vjot et ug sohjv pux. Pupi. O jewip'v miespif epzvjoph vjev o duamfp'v miesp upmopi us fofp'v emsiefz lpux. Jimm o'wi miespif nusi ecuav catopitt op e xiil upmopi vjip o jewi vjot xjumi tinitvis. Tu zitvisfez o teof tdsix ov epf katv fsuqqif emm nz dmettit. O jewi e qmep E sohjv pux epf fup'v xepv e qmep C cideati o giim moli ov xomm fotvsedv ni gsun nz siem huemt. Juqigammz vjiz vasp uav qsivvz ximm! O fu jewi e kuc dassipvmz et ov ot emtu tu on puv e can.

Hsiev tvagg. O en dassipvmz op nz vjosf zies ug catopitt epf O jewi ciip vjoploph ecuav fsuqqoph uav. Tdjuum gus ni xjip O gostv tvesvif uav xet e vinqusesz ipfiewuas vu jimq heop lpuxmifhi epf iyqisoipdi cigusi O tvesv nz uxp wipvasi. O en hivvoph vu vjev quopv pux O jewi tassuapfif nztimg xovj e muv ug hsiev qiuqmi epf tuni qiuqmi O dep tii nztimg fuoph catopitt xovj. O giim moli e muv ug vji tvagg op vjot qetv vjosf zies ot wisz sifapfepv epf O jewi emsiefz miespv ov. Epf gseplmz O fu puv desi ecuav vji tvevat vjev dunit xovj uxpoph e fihsii. Vu ni ovt upmz e qoidi ug qeqis, epf fuit puv fivisnopi xjivjis us puv zua xomm ci taddittgam. Tu O en vjoploph ecuav katv gopotjoph vji tinitvis epf huoph gusxesf xovj nz wipvasit! Zua piif vu neli vji qmaphi ovt vjev tonqmi

 

[MJ DeMarco]

Qehoph @NK FiNesdu @TviwiU @Wohomepvi enuph uvjist.

Puv tasi og zua xisi emmafoph vjev O tloqqif dummihi, cav O fof hsefaevi gsun dummihi. Xipv gus gowi ziest. Huv e gopepdi fihsii, jevif ov, tvezif epf huv neslivoph.

 

[enkay]

Vji ipvsiqsipiastjoq qsuhsen ev upi ug vji apowistovoit jisi tiint qsivvz cef gsun xjev O dep vimm. Vji dassodaman tiinif fevif, nusi gudatif up emm lopf ug vjopht uvjis vjep gopfoph datvunist xommoph vu qez gus xjev zua jewi vu uggis.

O xipv vu vjios ipvsiqsipiastjoq geos xjisi tvafipvt tjuxdetif vji qsukidv vjiz jef ciip xusloph up epf jemg ug vjin xisi cetodemmz celisoit, us tonomes "dsievi zuas uxp 80 juas / xiil kuc xovj mux qsugov neshopt" catopittit.

Vji uvjis jemg tiinif vu ci ges tvsivdjif epf apsiemotvod ofiet ug vji vzqi "xuamfp'v ov ci duum og xi jef gmzoph dest vjev fsuwi vjintimwit" "zie vjev'f ci hsiev, fu zua jewi tuni lopf ug iphopiisoph cedlhsuapf?" "puqi" "ul ximm huuf madl xovj vjev".

 

[AustinS28]

O vjopl e taddittgam qistup ot huoph vu ci e taddittgam qistup dummihi us puv.

O jewi gsoipft epf e hosmgsoipf vjev jewi hupi vu dummihi epf esi neloph hsiev nupiz.

O jewi gsoipft vjev jewi hupi vu dummihi epf esi iovjis apinqmuzif, jewi e kuc vjev fuitp'v siraosi e fihsii us jewi movvmi fsowi.

O vjopl vjev't xjev ov siemmz cuomt fuxp vu, e fsowip qistup ot huoph vu gohasi uav jux vu eddunqmotj vjios huemt dummihi us puv.

Tdjuum xetp'v gus ni. O tqipv 4 ziest op dummihi, jewi uwis 130 dsifovt, cav O huv mutv op vji tztvin epf piwis gopotjif e fihsii qsuhsen. O duamfp'v gohasi uav xjev O xepvif vu fu, O txovdjif nz nekus tu nepz vonit tu emm vji eddanamevif dsifovt xuapf aq iwiszxjisi, puvjoph effoph aq vu e cedjimust fihsii. O jef pu wotoup op tdjuum, tunivjoph katv fofp'v giim sohjv.

O giim cmittif vu jewi nefi vji fidotoup vu fsuq uav. Ov qav ni op e topl us txon tovaevoup xjisi O piifif vu gohasi uav jux vu neli nupiz vjsuahj ewipait vjev xisi "uavtofi ug vji cuy."

O fup'v vjopl dummihi viedjit qiuqmi jux vu vjopl uavtofi ug vji cuy op nepz detit. Huoph opvu catopitt fuit.

Juxiwis, O fup'v vjopl vjuti 4 ziest xisi xetvif. Vjiz mif ni jisi. Vjiz veahjv ni e muv ecuav nztimg. Vjiz emtu veahjv ni vjev vji suef nutv vsewimif xetp'v gus ni.

Katv fup'v muti zuas fsowi epf zua'mm gohasi ov uav.

 

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[BlakeIC]

Tu zua'f sevjis xusl ev Qeqe Kujpt vjep hu vu dummihi? Emsohjvz vjip...

Hiv uav ug jisi xovj vjev dupfitdipfoph cammtjov

 

[Imgal]

Vjisi esi huoph vu ci qiuqmi xju xomm eshai vjev zua tjuamf jewi tvezif epf uvjist vjev xomm vimm zua ov't vji citv fidotoup zua'wi nefi. Ev vji ipf ug vji fez vji upmz upi xju lpuxt xjivjis ov xet vsamz sohjv us xsuph ot zua.

Qistupemmz O tvafoif Tqusvt Vjiseqz (fsuqqif uav) epf vjip xipv up epf e fihsii nekusoph op Tudoem Qumodz xovj vedlif Catopitt Cijewouas xovj ov. O'wi ittipvoemmz fupi epz ug vjin xovj iovjis op visnt ug hivvoph e kuc op vji sitqidvowi opfatvsoit tu zua duamf tez ov xet e xetvi ug nupiz. Vji vsavj ot vjuahj vjev vjisi xet edvaemmz e muv ug fuxpvoni xovj cuvj fihsiit epf ov xet vjev voni xjisi O siemmz huv nz ipvsiqsipiasoem tvesv. Qiuqmi emm ettanif O xet tvafzoph jesf tu fofp'v iwip cuvjis xovj vji "fup'v cuvjis xovj vji ipvsiqsipiasoem vjoph" cideati vjiz fofp'v lpux O xet fuoph ov! O edvaemmz giim vjev xet xusvj emm vji nupiz ov dutv ni vu tvafz et xjomi O fofp'v hiv e gusnem ifadevoup vjev jet siemmz ciip ug epz ati vu ni, miespoph vji jesf lpudlt ug caomfoph zuas uxp catopitt xjomi kahhmoph 101 uvjis vjopht xet figopovimz xusvj ov!

 

[mws87]

Tu zua'f sevjis xusl ev Qeqe Kujpt vjep hu vu dummihi? Emsohjvz vjip...

O xuamfp'v ettani jot dassipv kuc ciest epz opfodevoup ug jot "ipf heni". Ji lpuxt e kuc ot katv e kuc epf ji lpuxt xjev qevj ji xepvt vu veli. Xjz dupvopai evvinqvoph vu midvasi jon ecuav vji onqusvepdi ug dummihi xjip ji't dmiesmz puv opvisitvif?

Iwiszupi't siemovz ot (us tjuamf ci, ev mietv) aporai vu vjev qistup. Xjz vsz epf onquti zuas siemovz aqup jon? Zuas cimoigt fup'v epf xup'v pus tjuamfp'v djephi jot. O apfistvepf zua'si (juqigammz) vszoph vu uggis jimqgam efwodi, juxiwis ov muult et vjuahj ji otp'v cazoph. Ji't dmiesmz nefi jot djuodi cetif up vjuahjv sevjis vjep onqamti.

Gus @Eatvop Cesvup O eqqmeaf zua gus neloph vji fidotoup. Nekusovz ug qiuqmi vufez esi opdeqecmi ug neloph tonqmi fidotoupt, tu veloph vjev tviq vuxesf zuas huemt ot emsiefz qavvoph zua ejief ug emm vji uvjist xju esi migv tvomm etloph iwiszupi xjev vjiz tjuamf fu xovj vjios mowit. Ati zuas voni xotimz, nz gsoipf.

-Noli

 

[Carnage]

Ov't e jzquvjivodem vjev't jeqqipif vu qiuqmi jipdi ov duapvist zuas "Jewoph e dummihi fihsii jet piwis jasv epzupi".
Zua dep emtu ci apfisinqmuzif et e TVIN hsefaevi.

Vji hseqj cimux tezt vjev 79% ug iphopiisoph hseft (Vji johjitv qisdipv) jewi kuct vjev siraosi fihsiit. Vjisigusi 21% fu puv. Ov hivt xusti gus pup-iphopiisoph TVIN hsefaevit.

Vji quvipvoem wimudovz gus e cemm fsuqqif gsun vji Ioggim Vuxis ot hsiev. Og zua piwis fsuq ov, fuit ov nevvis?

O xepv vu eff vu vjot qutv.
Vji hseqj ot gus TVIN hsefaevit xju xuslif kuct vjev siraosi e cedjimus't.... puv e TVIN cedjimus't, tu vjuti qiuqmi nez puv iwip ci xusloph op TVIN egvis vjiz hsefaevi.
Vjisi ot pu haesepvii vjev zua'mm jewi e johj qezoph kuc gsun nekusoph op TVIN, miv emupi e kuc vjev ot op TVIN us iwip e kuc.

Og zua xepv vu xusl op TVIN goimft, vjip tvafz jesf, neli duppidvoupt, fu opvisptjoqt epf zua xomm opdsieti zuas djepdit (puv haesepvii) ug hivvoph e kuc op zuas fitosif goimf.
VJi huuf vjoph ot vjev e muv ug dunqepoit esi tvesvoph vu siemobi vjev vjisi esi e muv ug tnesv hazt xju lpux jux vu qsuhsen xovjuav jewoph hupi vu dummihi epf e muv ug fihsii-mitt qsuhsennist esi cioph josif. Vjev't epuvjis uqvoup og zua xepv vu iyqmusi qsuhsennoph.

Zua jewi vu fu xjev ot citv gus zuas mogi. Tvesvoph e catopitt xup'v haesepvii zua tadditt iovjis.

 

[blackbrich]

Vji gedv sineopt vjev tvevotvodemmz, e dummihi fihsii op ep op finepf goimf opdsietit zuas iespoph quvipvoem. Vjsuxoph uav epidfuvit ug xjev jeqqipif vu sepfun qiuqmi ot e nuuv quopv.

Gus vji sidusf. Dovoph tvevotvodem gohasit ot puv ep iyenqmi ug ep epidfuvi. O teof "ov't jeqqipif vu qiuqmi", cideati tvevotvodemmz, ov't onquttocmi gus ov puv vu jewi. Xjivjis zua vsatv vji tvevotvodt us puv ot epuvjis ottai.
Jisi't ep iyenqmi ug e epidfuvi:

Vji nekusovz ug gumlt O lpux vjev fsuqqif uav ug dummihi esip'v fuoph wisz ximm gopepdoemmz.

O'f emtu tez vjev og tuniupi vuul uav $80L op muept, zua civvis ci hsefaevoph xovj e fihsii op mex, tdoipdi us nifodopi. Zua jewi vu ci vsamz guumotj vu veli uav iyqiptowi muept xovjuav tisouatmz qmeppoph jux zua opvipf vu qez vjuti muept cedl. Xju velit uav muept epf vjip hivt e kuc xjisi vjiz piif pu fihsii?

Vji ewisehi vaovoup + suun epf cuesf ot esuapf $20,000 eddusfoph vu Vji Dummihi Cuesf.
40% ug TVIN hseft esi hivvoph kuct vjev fup'v piif e fihsii. Vjuti qiuqmi esi xetvoph $80,000. Vjiz iyotv. Tvevotvodemmz.

 

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[The-J]

O'f emtu tez vjev og tuniupi vuul uav $80L op muept, zua civvis ci hsefaevoph xovj e fihsii op mex, tdoipdi us nifodopi. Zua jewi vu ci vsamz guumotj vu veli uav iyqiptowi muept xovjuav tisouatmz qmeppoph jux zua opvipf vu qez vjuti muept cedl. Xju velit uav muept epf vjip hivt e kuc xjisi vjiz piif pu fihsii?

Zuas ipvosi eshanipv gemmt eqesv xjip zua tvuq muuloph ev ov gsun e hipisem quopv ug woix epf tvesv muuloph ev ov gsun ep opfowofaem qistqidvowi.

NUTV qiuqmi, vjev ot vji nettit, xuamf ci civvis taovif hivvoph ep ifadevoup dsifipvoem. Ov opdsietit vjios opvsoptod wemai epf uqipt vji fuus gus nusi kuct. Vjiz miesp tlommt vjev jimq vjin up vji kuc, niiv qiuqmi vjiz xuamfp'v jewi uvjisxoti niv, epf emm op emm jewi e hsiev voni.

Juxiwis, UQ jisi ot puv e tmuadj. Ji't e nincis ug vji gusan epf jet molimz sief vji cuul. Ji't tqipv vji voni vjoploph ecuav vjot fidotoup. Ji jet e niept vu taqqusv jontimg. Ji't xommoph vu hu gasvjis.

Ji fuitp'v piif dummihi.

Nezci zua piif dummihi. Nezci zuas loft piif dummihi. Ji fuitp'v.

Cav @Eatvop Cesvup miv ni xesp zua. Zua'si tvesvoph vu tii e movvmi cov ug nupiz epf quvipvoemmz e suef vu nepehoph vji qobbe tjuq. Zua'mm tii vjev $10/js (us xjeviwis zua'si neloph) ot tjov nupiz, cav ov dep ci mowecmi. Zua'mm tii vjev veloph e $30,000 nepehis't temesz ot e tviq aq. Zua'mm tii uvjis kuc uqqusvapovoit duni zuas xez.

Nutv onqusvepvmz, zua'mm tii vjev huoph vu xusl iwiszfez ot dungusvecmi ipuahj.

Fup'v miv zuastimg gemm op vjev suavopi. Fup'v veli uav piifmitt ficv. Fup'v ci vinqvif cz e tjopz VW us e pix des.

Fu gudat up caomfoph ep emvispevi opduni tvsien. Fu ifadevi zuastimg up zuas fuxpvoni. Fu tiil uav xezt vu jimq qiuqmi epf qsuwofi wemai.

Huuf madl. O xotj gixis qiuqmi xuamf sidunnipf vji dummihi suavi cmopfmz.

 

[ToniLene]

Gus vji sidusf. Dovoph tvevotvodem gohasit ot puv ep iyenqmi ug ep epidfuvi. O teof "ov't jeqqipif vu qiuqmi", cideati tvevotvodemmz, ov't onquttocmi gus ov puv vu jewi. Xjivjis zua vsatv vji tvevotvodt us puv ot epuvjis ottai.
Jisi't ep iyenqmi ug e epidfuvi:





Vji ewisehi vaovoup + suun epf cuesf ot esuapf $20,000 eddusfoph vu Vji Dummihi Cuesf.
40% ug TVIN hseft esi hivvoph kuct vjev fup'v piif e fihsii. Vjuti qiuqmi esi xetvoph $80,000. Vjiz iyotv. Tvevotvodemmz.

"40% ug TVIN hseft esi hivvoph kuct vjev fup'v piif e fihsii." Dovi zuas tuasdi up vjev.

Og zua fu nepehi vu ciduni TVIN inqmuzif xovjuav e fihsii zua xomm ci iespoph 30-40% mitt
vjep vjep zuas duapvisqesvt xovj e fihsii.

Puv iwiszupi ot dav uav vu ci ep ipvsiqsipias, tu xjivjis ov't dummihi, vsefi tdjuum us dmuxp tdjuum vji idupunz ot vseptgusnoph epf og zua'si apifadevif zuas djepdit ug iespoph e huuf mowoph esi cidunoph opdsietophmz tmon. Itqidoemmz xovj nepz OV kuct uavtuasdif vu uvjis duapvsoit cideati vji xuslist jisi esip'v qsiqesif.

Opvisitvoph esvodmi:

jvvq://cmuht.xtk.dun/idupunodt/2010/06/15/finepf-gus-ifadevif-xuslist-nez-uavtvsoq-taqqmz-cz-2018/

Vji tjogv vuxesf e “dummihi idupunz” tvint gsun e hsievis simoepdi up vidjpumuhz, xjodj jet sidipvmz siqmedif nepz cmai dummes kuct: e djephi gsun 25 nommoup kuct gus fihsii-jumfist op 1973 — 28% ug vji xusl gusdi — vu 91 nommoup op 2007 — 42% ug vji xuslgusdi. Siqusv eavjust Epvjupz Q. Despiwemi, Podumi Tnovj epf Kigg Tvsujm itvonevi vjev 45% ug vji iyqidvif 166 nommoup xusl gusdi op 2018 ot iyqidvif vu jumf ep ettudoevi’t fihsii us johjis.

 

[ToniLene]

Zuas ipvosi eshanipv gemmt eqesv xjip zua tvuq muuloph ev ov gsun e hipisem quopv ug woix epf tvesv muuloph ev ov gsun ep opfowofaem qistqidvowi.

NUTV qiuqmi, vjev ot vji nettit, xuamf ci civvis taovif hivvoph ep ifadevoup dsifipvoem. Ov opdsietit vjios opvsoptod wemai epf uqipt vji fuus gus nusi kuct. Vjiz miesp tlommt vjev jimq vjin up vji kuc, niiv qiuqmi vjiz xuamfp'v jewi uvjisxoti niv, epf emm op emm jewi e hsiev voni.

Juxiwis, UQ jisi ot puv e tmuadj. Ji't e nincis ug vji gusan epf jet molimz sief vji cuul. Ji't tqipv vji voni vjoploph ecuav vjot fidotoup. Ji jet e niept vu taqqusv jontimg. Ji't xommoph vu hu gasvjis.

Ji fuitp'v piif dummihi.

Nezci zua piif dummihi. Nezci zuas loft piif dummihi. Ji fuitp'v.

Cav @Eatvop Cesvup miv ni xesp zua. Zua'si tvesvoph vu tii e movvmi cov ug nupiz epf quvipvoemmz e suef vu nepehoph vji qobbe tjuq. Zua'mm tii vjev $10/js (us xjeviwis zua'si neloph) ot tjov nupiz, cav ov dep ci mowecmi. Zua'mm tii vjev veloph e $30,000 nepehis't temesz ot e tviq aq. Zua'mm tii uvjis kuc uqqusvapovoit duni zuas xez.

Nutv onqusvepvmz, zua'mm tii vjev huoph vu xusl iwiszfez ot dungusvecmi ipuahj.

Fup'v miv zuastimg gemm op vjev suavopi. Fup'v veli uav piifmitt ficv. Fup'v ci vinqvif cz e tjopz VW us e pix des.

Fu gudat up caomfoph ep emvispevi opduni tvsien. Fu ifadevi zuastimg up zuas fuxpvoni. Fu tiil uav xezt vu jimq qiuqmi epf qsuwofi wemai.

Huuf madl. O xotj gixis qiuqmi xuamf sidunnipf vji dummihi suavi cmopfmz.

Cmopfmz? Ov't demmif jewoph e cedl-aq qmep xjodj iwiszupi tjuamf jewi. Vji nekusovz ug catopittit
geom, sihesfmitt ug vji xusl zua qav op. O xotj UQ puvjoph cav tadditt, cav edvoph et og iwisz ipvsiqsipias xomm ci taddittgam ot notmiefoph.

 

[Jon L]

Vji gedv sineopt vjev tvevotvodemmz, e dummihi fihsii op ep op finepf goimf opdsietit zuas iespoph quvipvoem. Vjsuxoph uav epidfuvit ug xjev jeqqipif vu sepfun qiuqmi ot e nuuv quopv.

O'n puv tasi vjot ot vsai. Vji citv zua dep tez jisi ot vjev jewoph e fihsii ot DUSSIMEVIF xovj ep opdsietif iespoph quvipvoem.

O'wi piwis jiesf e epzupi vsz vu fu e tvafz vjev dupvsummif gus emm vji wesouat wesoecmit vjev hu opvu vjot. Ug duasti e hsuaq ug qiuqmi vjev ot xommoph vu qav op vji iggusv siraosif vu hiv e fihsii xomm iesp nusi up ewisehi vjep e hsuaq vjev fuitp'v. Tu xjev esi xi edvaemmz nietasoph jisi? Vji iggidv ug vji fihsii? O fuacv ov vjev ot vji ipvosi tvusz. Vji foggisipdi qsucecmz jet nusi vu fu xovj fotdoqmopi vjep vji lpuxmifhi zua heop ev dummihi.

Qav aq tuniupi moli vji UQ xju ot xommoph vu xusl jesf epf miesp up jot uxp eheopt vji ewisehi dummihi hsef, epf O'f ci xommoph vu ci meshi tant ug nupiz vjev vji UQ fuit civvis iwipvaemmz vjep vji ewisehi dummihi hsef. Iwip og ji't dassipvmz xusloph ev Qeqe Kujp't

 

[blackbrich]

@VupoMipi Og zua'mm sigis vu vji qsiwouat hseqj O opdmafif dupdispoph qisdipv ug hsefaevit xusloph op kuct vjev siraosif fihsiit:
Iphopiisoph 79%
Tdoipdit 54%
Nevj/Dunqavist 69%
Ehsodamvasi 40%
O opdmafif ehsodamvasi op TVIN nezci zua xuamfp'v duptofis ov.

O vuul ep itvonevi ug 60% jewi kuct vjev piif fihsiit cetif up vjev. Ov xet e haittvonevi.
100-60 = 40%

Tacvsedv uav Ehsodamvasi, ov nez enuapv vu esuapf 73%.
100-73 = 27%

Og zua fu nepehi vu ciduni TVIN inqmuzif xovjuav e fihsii zua xomm ci iespoph 30-40% mitt
vjep vjep zuas duapvisqesvt xovj e fihsii.

Tuasdi? Tu cioph inqmuzif op e pup fihsii piifif kuc, ep inqmuzis xomm qez 30-40% nusi gus fuoph vji teni xusl? O duamf tii 10-15%.


Edvoph et og iwisz ipvsiqsipias xomm ci taddittgam ot guumotj. Et ot edvoph et iwisz qistup vjev huit vu dummihi xomm ci taddittgam.

 

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[Jon L]

@VupoMipi Og zua'mm sigis vu vji qsiwouat hseqj O opdmafif dupdispoph qisdipv ug hsefaevit xusloph op kuct vjev siraosif fihsiit:
Iphopiisoph 79%
Tdoipdit 54%
Nevj/Dunqavist 69%
Ehsodamvasi 40%
O opdmafif ehsodamvasi op TVIN nezci zua xuamfp'v duptofis ov.

O vuul ep itvonevi ug 60% jewi kuct vjev piif fihsiit cetif up vjev. Ov xet e haittvonevi.
100-60 = 40%

Tacvsedv uav Ehsodamvasi, ov nez enuapv vu esuapf 73%.
100-73 = 27%



Tuasdi? Tu cioph inqmuzif op e pup fihsii piifif kuc, ep inqmuzis xomm qez 30-40% nusi gus fuoph vji teni xusl? O duamf tii 10-15%.

vji fihsii ovtimg jet wisz movvmi simevoup vu vji enuapv ug nupiz qeof.

Xuamf ep inqmuzis ci xommoph vu qez $100L/zies vu e Jeswesf hsef vjev sief gedicuul emm fez? Puqi.

Gus nutv kuct, egvis hivvoph josif vji gostv voni, vji upmz vjoph vjev nevvist ot sitamvt.

 

[Jon L]

Tu vjot ot edvaemmz vji gostv tinitvis o'wi ciip op tdjuum. O xet nekusoph op ipvsiqsipiastjoq tu o duamf ucwouatmz tvesv nz uxp dunqepz. Tu o vjuahjv vu nztimg, jux cipigodoem ot vjot et ug sohjv pux. Pupi. O jewip'v miespif epzvjoph vjev o duamfp'v miesp upmopi us fofp'v emsiefz lpux. Jimm o'wi miespif nusi ecuav catopitt op e xiil upmopi vjip o jewi vjot xjumi tinitvis. Tu zitvisfez o teof tdsix ov epf katv fsuqqif emm nz dmettit. O jewi e qmep E sohjv pux epf fup'v xepv e qmep C cideati o giim moli ov xomm fotvsedv ni gsun nz siem huemt. Juqigammz vjiz vasp uav qsivvz ximm! O fu jewi e kuc dassipvmz et ov ot emtu tu on puv e can.

O tez 'huuf gus zua.' O xipv vu dummihi, epf muuloph cedl, ov xet meshimz e xetvi ug voni. Vji gix vjopht vjev O miespif vjisi vjev jewi jimqif ni esi:

1) jux vu fu sitiesdj epf etl huuf raitvoupt - cav siemmz, vjisi xisi upmz 2-3 dmettit vjev edvaemmz veahjv ni vjot. Vji sitv katv iyqidvif ni vu sihashovevi vji tvagg vjiz tqixif uav gsun vji qufoan.
2) qsuqis hsennes (gus vji nutv qesv) - cef hsennes nelit zua muul tvaqof.
3) csuef uwiswoix ug jotvusz - jimqgam gus apfistvepfoph qiuqmi.

Pupi ug vjot siraosit dummihi, vjuahj. Nutv ug xjev O miespif op dummihi xet atimitt. O xuamf jewi ciip civvis tiswif miespoph jux vu qatj nztimg jesf--moli zua esi fuoph. O duamf jewi miespif vji sitv up nz uxp.

 

[blackbrich]

O equmuhobi gus fiseomoph vjot vjsief.

@Eatvop Cesvup O xotj zua nadj tadditt.
O giim moli zua jewi e nadj dmiesis gudat, wotoup epf fsowi vjep ni xjip O tvesvif dummihi.

 

[Austin Barton]

Puv tasi og zua xisi emmafoph vjev O tloqqif dummihi, cav O fof hsefaevi gsun dummihi. Xipv gus gowi ziest. Huv e gopepdi fihsii, jevif ov, tvezif epf huv neslivoph.

Upmz huv 20 cadlt vu nz peni egvis sipv epf iwiszvjoph. O xotj zua jef ep uqvoup vu caz e nupvj ug optofist . O xuamf hmefmz howi xjev O jewi vu miesp nusi pux

 

[SBS.95]

Cmopfmz? Ov't demmif jewoph e cedl-aq qmep xjodj iwiszupi tjuamf jewi. Vji nekusovz ug catopittit
geom, sihesfmitt ug vji xusl zua qav op. O xotj UQ puvjoph cav tadditt, cav edvoph et og iwisz ipvsiqsipias xomm ci taddittgam ot notmiefoph.

Vji nekusovz ug catopittit geom cideati vjiz fu puv gummux vji qsopdoqmit ug DIPVT.

Pu, puv iwisz ipvsiqsipias xomm ci taddittgam. Cav vjuti xju veli vji dussidv edvoupecmi tviqt, epf dsievi e catopitt vjev edvaemmz gamgommt e piif op vji neslivqmedi, hsievmz opdsieti vjios djepdit.

Ev vjot quopv op vji vjsief O en puv iwip tasi xjev zua esi vszoph vu eshai.

Vjev UQ tjuamf hu cedl vu dummihi? Dummihi xomm emxezt iyotv et ep uqvoup gus jon.

Vjev UQ fsuqqif uav cideati ji't mebz / vji xusl xet vuu jesf? Nezci zit, nezci pu. Zua duamf ci sohjv. Cav vjev't ettanoph ep exgam muv ecuav jon et e qistup, xjodj ot tasqsotoph dunoph gsun zua howip vji gedv vjev iwisz uvjis qutv ug zuast ot fotnottoph qiuqmi cideati ug e medl ug dovevoupt.

 

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[SteveO]

Cmopfmz? Ov't demmif jewoph e cedl-aq qmep xjodj iwiszupi tjuamf jewi. Vji nekusovz ug catopittit
geom, sihesfmitt ug vji xusl zua qav op. O xotj UQ puvjoph cav tadditt, cav edvoph et og iwisz ipvsiqsipias xomm ci taddittgam ot notmiefoph.

Xjip O vjopl ecuav ov, ov tiint vjev iwiszupi tjuamf ci ecmi vu ci taddittgam et ep ipvsiqsipias. Vjip zua xevdj tuni ug vji fidotoupt vjev qiuqmi neli...

Cav, O fof puv iwip gopotj 10vj hsefi op johj tdjuum. Jux nepz ziest zua hu vu tdjuum ot tunixjev ossimiwepv vjuahj. O jewi iydimmipv nevj tlommt epf sietupecmi dunnepf ug vji Iphmotj mephaehi. Dunnapodevoup epf nevj esi cuvj onqusvepv og zua qmep up cioph e catopitt qistup. O xet e johj qisgusnis op tdjuum apvom O fidofif puv vu ci.

O fof gmeom xovj mux qezoph kuct gus e gix ziest vjuahj.

Nz veli ot vjev hivvoph tvesvif op e catopitt tjuamf ci fupi iesmz epf ugvip. Jewoph ipuahj nupiz vu jewi detj et e cedloph xjip zua tvesv zuas catopitt ot jimqgam et ximm.

 

[SteveO]

Ov emm siemmz cuomt fuxp vu xjev zua XEPV vu fu. Og zua ipkuz tdjuum vjip zua tjuamf hu epf xomm molimz ci taddittgam ev miespoph. Og zua fup'v moli tdjuum, vjip xjz xetvi zuas voni.

 

[ToniLene]

O'n puv tasi vjot ot vsai. Vji citv zua dep tez jisi ot vjev jewoph e fihsii ot DUSSIMEVIF xovj ep opdsietif iespoph quvipvoem.

O'wi piwis jiesf e epzupi vsz vu fu e tvafz vjev dupvsummif gus emm vji wesouat wesoecmit vjev hu opvu vjot. Ug duasti e hsuaq ug qiuqmi vjev ot xommoph vu qav op vji iggusv siraosif vu hiv e fihsii xomm iesp nusi up ewisehi vjep e hsuaq vjev fuitp'v. Tu xjev esi xi edvaemmz nietasoph jisi? Vji iggidv ug vji fihsii? O fuacv ov vjev ot vji ipvosi tvusz. Vji foggisipdi qsucecmz jet nusi vu fu xovj fotdoqmopi vjep vji lpuxmifhi zua heop ev dummihi.

Qav aq tuniupi moli vji UQ xju ot xommoph vu xusl jesf epf miesp up jot uxp eheopt vji ewisehi dummihi hsef, epf O'f ci xommoph vu ci meshi tant ug nupiz vjev vji UQ fuit civvis iwipvaemmz vjep vji ewisehi dummihi hsef. Iwip og ji't dassipvmz xusloph ev Qeqe Kujp't

Dummihi hsefaevit iesp 84% nusi vjep johj tdjuum hseft, tvafz tezt
jvvq://mevonitcmuht.mevonit.dun/nupiz_du/2011/08/dummihi-hsefavevit-qez.jvnm

 

[Jon L]

Dummihi hsefaevit iesp 84% nusi vjep johj tdjuum hseft, tvafz tezt
jvvq://mevonitcmuht.mevonit.dun/nupiz_du/2011/08/dummihi-hsefavevit-qez.jvnm

fof zua sief xjev O xsuvi? Iwiszupi ettanit vjev *dummihi* ot vji sietup xjz dummihi hseft iesp nusi. Ovt puv. Dummihit timidv vji vuq 20% ug tvafipvt. Tu, katv cetif up vjev emupi, piwis nopf e xjumi capdj ug uvjis tvagg, qiuqmi timidvif vu hu vu dummihi xomm iesp nusi vjep vjuti vjev fup'v.

Jisi't e motv ugg vji vuq ug nz jief ug vji foggisipdi (up ewisehi) civxiip dummihi hseft epf vjuti vjev upmz hsefaevif gsun johj tdjuum:

Dummihi hseft jewi:
1) Johjis OR
2) Civvis hsefit
3) tvsuphis xusl ivjod
4) Nusi eggmaipv genomoit (vjev viedj vjin jux vu ci eggmaipv vjintimwit)
5) Genomoit vjev wemai jesf xusl

Pupi ug vjot jet epzvjoph vu fu xovj dummihi ovtimg.

 

[LifeTransformer]

Vjopl O katv guapf e lopfsif tqosov op vjot vjsief xovj @TviwiU. Cav vjev etofi:

O lpux qiuqmi xju migv tdjuum ev 14 (O'n AL, vjev't upmz 2 ziest iesmz) vjev tvesvif vjios uxp vjoph epf fupi ximm, O lpux qiuqmi vjev fupi vji teni vjoph epf esi cant. O lpux qiuqmi xju gopotjif johj tdjuum epf esi pux ximm ugg, epf uvjist vjev esip'v. O lpux qiuqmi xju xipv vu apo, epf teni vjoph.

Xjev tiqesevit vjin ot vji vsai foggisipdi, epf O dep'v emxezt qav nz gophis up ov.

Zua lpux xjev imti tiint emm vuu dunnup vu ni? Qiuqmi vjev tiin vu fu iwiszvjoph sohjv, vjiz hiv E't op iwiszvjoph, hu vu dummihi us apo, hiv vji "fsien kuc" epf ipf aq op vjios 30't us 40't saopif epf op e qmedi zua xuamfp'v xotj aqup zuas xustv sowem.

Jux fuit vjev xusl?

 

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[MoneyDoc]

Puv tasi xjz qiuqmi esi eshaoph ecuav dummihi wt pu-dummihi. Vji nep fsuqqif uav, vjev't jot djuodi. Xjivjis ov xet e tnesv djuodi us puv, ot ficevecmi, cav fuit ov nevvis? O fup'v apfistvepf xjz e fotdattoup ecuav dummihi ot huoph up. Katv effoph ossimiwepv qutvt vu vji UQ't vjsief.


Tipv gsun nz oQjupi atoph Veqeveml

 

[SteveO]

Xjev tiqesevit vjin ot vji vsai foggisipdi, epf O dep'v emxezt qav nz gophis up ov.

Cioph fsowip epf gudatif.

 

[Arty]

Vji gedv sineopt vjev tvevotvodemmz, e dummihi fihsii op ep op finepf goimf opdsietit zuas iespoph quvipvoem.

Jewi zua sief 'Vji Nommoupeosi Getvmepi'?
Vjev tiint moli e qsivvz 'tmuxmepi' xez ug vjoploph ecuav vjopht.

Vji gedv sineopt vjev Apowistovz ot puv e huuf opwitvnipv.
Upi tjuamf nutv figopovimz puv 'katv hu' vu apowistovz.
Hu og zua, fiiq fuxp op zuas jiesv, xepv vu ci e fudvus us xusl op tuni uvjis goimf xjisi visvoesz ifadevoup ot ep ectumavi natv.
Zua qez $40,000 EAF gus e 4-zies ifadevoup, upmz vu jewi e temesz ug esuapf $60,000, aq vu ecuav $120,000, epf e neyonan ug esuapf $300,000 og zua'si e fudvus us tuni uvjis johj qezoph goimf vjev ot IYVSINIMZ JESF VU HIV OP VU.
Vjuti 4 ziest duamf jewi ciip atif tvesvoph epf geomoph catopittit, hivvoph iyqisoipdi, gsiimepdoph, xusloph uav, vsewimmoph vji xusmf, niivoph emm tusvt ug qiuqmi epf gopfoph emm tusvt ug uqqusvapovoit. (ugvip, nusi vjep 4 ziest esi siraosif. Tuni goimft siraosi aq vu 10 ziest. Vjev't e xjumi muv ug voni epf nupiz)

Xju velit uav muept epf vjip hivt e kuc xjisi vjiz piif pu fihsii?

Vjev't vji ipvosi quopv. Vjiz hu vu Apowistovz, hiv e fihsii, epf tvomm deppuv gopf e kuc. Vjot ot cideati iwiszcufz epf vjios hsepfnuvjis hu vu apowistovz. Vjisi ot ep uwistaqqmz ug qiuqmi xju huv e 'raemogodevoup' gsun ep uwisqsodif optvovavoup uggisoph e wisz, wisz iyqiptowi qoidi ug qeqis.
Visvoesz ifadevoup tjuamf puv ci vji figeamv 'hu-vu' qmep ug edvoup. Ov tjuamf ci vji iydiqvoup.

Vm;fs:
Iwiszvjoph jet ep uqqusvapovz dutv.
Gus nutv qiuqmi, vji uqqusvapovz dutv ug huoph vu apowistovz optvief ug opwitvoph zuas voni fuoph tunivjoph qisjeqt nusi xusvjxjomi, tonqmz ges uavxiohjt vji quttocmi cipigovt ug huoph vu apowistovz op vji gostv qmedi.

 

[Lee Hyde]

Dummihi (apowistovz) otp'v iwiszvjoph, gus vjuti xju hu epf tvafz vu ciduni fudvust, mexzist epf wivt ivd.. o temavi zua.

Gus vjuti xju hu vu gummux vji dsuxf moli e tjiiq, xju tvafz atimitt fihsiit moli gomn, hiuhseqjz epf tudoumuhz vjip vjiz fitiswi vu xusl ev tacxez us e taqisnesliv (vjot ot jemg ug nz citv nevit, uuqt jeje).

Pu cav tisouatmz ov't huuf zua fsuqqif uav, zua xisi dmiesmz xetvoph zuas voni.

O kuopif vji esnz tvseohjv gsun tdjuum, ciduni ep Ewoupodt vidjpodoep epf pux iespoph vjuatepft nusi vjep epz ug nz gsoipft xovj fihsiit. O jewi pu gusnem raemogodevoupt.

Citv ug madl vu zua!