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V8Bill

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So, back in 2004 I decided to do whatever it took to get myself to a 3 day wealth education seminar being held in Fiji. The tickets cost $2,000 plus I had to fly there and pay for my room (Sheraton) so I had to raise about $4,000. I was broke, I'd just lost my job in IT and I had no idea how I was going to get there. I'd been following this guy for about 10 months and had bought his home study program (yep, I was that guy) and all I knew was that I had to get to that event because I just knew I'd be able to network with others who were similar to me.

I managed to get there but it was tight (financially speaking), so tight that I couldn't afford the $100 (for charity) final dinner party. A few hours before the doors opened I decided that I couldn't afford not to go but only had about $165 left to my name. I was in a foreign country with very little cash and I was about to blow more than half of what I had left on a $100 dinner - had I lost my mind? Of COURSE I had to go. So I went downstairs, walked up to the greeting table and asked to buy a ticket. It was sold out.

I gasped and begged and there was nothing they could do - sold out. Refusing to take no for an answer I went back upstairs and put on my best flamed hot rod shirt and shorts and decided to just stand at the doors while everyone filed past me. I instructed the staff that if anyone cancelled I wanted to buy the ticket. The room filled while I stood at the door saying Hi to people as the walked in dressed to the nines. My flamed shirt stood out (I have photos) so there was much laughter. People even started pleaded for me to be let in to the staff but nope - sold out.

Then one of the older staff ladies at the desk winked and nodded me in - for free. So cool, I was bouncing. Took a deep breath let it out slowly and walked in (hands up who loves walking into parties alone) looked around and there was only one table left but it was completely empty. Apparently a whole table had cancelled so I had a spot...by myself...at a 12 person table...lol Oh well, better than nothing and I felt good that I was making fate my bitch.

Now, at that pointed I gave more than zero F*cks what people thought of me and I knew I'd feel like a total nork just sitting at a table by myself so I had to think fast. In an instant I formulated what I thought was a perfect plan. I'd mosy on to the buffet all stylish and casual like and grab a plate buying me the time needed for some people to walk in and sit at the big empty table. I'd walk up to them, ask them if this seat was taken and presto - I'd be networking.

Well, no one did. What ended up happening was in my nerves I ended up just piling more and more onto my plate until I had a mountain of food I could barely hold up with one hand. Fortunately just at that time a couple walked in and sat at the table so cool and casual I walked over, delivered my line. They looked at me, looked at all the food on my plate, chuckled and said "sure".

The ice breaker was my telling the story of the last few hours which had us all laughing. I asked "so, what do you do?" (MJ...you'll like this); "I sell insurance on the stock market". I'd only just had an intro seminar to options so selling credit Put spreads was totally foreign to me but sounded interesting so we spoke about that and he quickly explained. Fascinating.

So, where are you guys from? I asked. Ends up we live in the same city and not 3 suburbs from each other. I love shit like that. We had a great time, ended up quite pissed at the bar by the end of the night. Totally memorable night. Changed my life. Because, he'd written and was selling an e-book on his total strategy for $97 which he said he'd send me when the got back home in a few weeks. They were going to extend their tropical island stay beyond the seminar. This was before smart phones so I said cool but honestly I was a bit miffed because I wanted to read more about this "selling insurance" lark right now - not in "a few weeks". I wanted to take action. Lots of action.

When I got back home I was on fire. I felt like a lava ball being shot out of a canon in Fiji and shooting me all the way over the ocean to my home in South Australia where I exploded in a massive fireball of enthusiasm and super fired up (as one does). But I just couldn't wait 2 weeks to find out more. I wanted to know more immediately so I justified saving on the free dinner party and spent the $97 to buy the book. In the next 2 weeks I studied the book and looked up option prices in the newspaper, used my big white board to draw out pay-off diagrams until I understood how selling "insurance" to the stock market worked and I was fascinated.

When he got back I contacted him and he invited me around to his (super nice) house for a coffee. I could feel the big wheels turning and while there I asked if it was ok to ask him a few questions about his method. I wasn't sure how much someone like him would want to share so I started by asking him if he could share his watch-list with me. I knew how credit put spreads worked but wasn't sure which of the 200 top stocks I should be watching. "Sure, I only look at 12 anyway" he said and rattled them off. Major, major leap in understanding...I was taking leaps of learning.

"Is there any chance you could show or send me a few trades you've done before so I can kind of get a feel of how you do it exactly?" I asked tentatively, not knowing how far to push it. "I was going to anyway" he said "It's easier for me to show you anyway. Not only that, I'll go you one better I'll send you my next trade so you can follow along". I was gob smacked. Who does that?

So over the next few weeks he did that. Then, just out of the blue (and because of how incredibly helpful seeing his real trades was to me) I said "you know, I reckon people would pay to watch you trade". He asked me what I meant and I wasn't sure myself so I said "I don't know, maybe to an email list or something? Maybe a forum?" I can remember it as if it was yesterday. He got a real dark look on his face and said "no F*cking way. I'm not getting involved in no forum. They always end up in shit fights - 100% not interested". Ok, a bit of a kick in the balls but I knew the power of forums. I had run a few before and was a huge fan and I knew vBulletin so I made him this proposal.

"What if I run it for ya? I'll do absolutely every single thing. I'll be the website manager in charge of everything. All I'd need from you is the trades you're doing." He paused and stared at me right in the face for at least 10 seconds (count them out) and said "ok, let's do it. I have a buddy who's into marketing, we'll go thirds in a new company, my accountant will set it up.

The next few weeks were a whirlwind of logos, trust deeds and FTP but before the month was out we were live. It was crude but it worked and people were loving it. I was catapulted into being a director of a company that was making pure profit from day one. The only hard costs we had were a dedicated server (I'm ex-IT) and some artwork and other tiny costs. Marketing was a bit of a gift because he was in good with the guy who was running the Fiji seminars and in fact was there as an affiliate teaching the other affiliates on the 4th day all about his Selling insurance method" so we had access to dozens of eager traders.

We charged $97 for the e-book then if they wanted to watch him trade it was $97 a month or 12 months for $997 (buy 10 get 2 free). We never discounted and we never gave any away. That was a great lesson in posture. Rolls Royce don't have discounts, they have waiting lists. We didn't have waiting lists but we had a Rolls Royce. At that time no one was selling signals (that I was aware of) so I felt a bit like a pioneer. From day one it was a total blast.

We were pulling in thousands and thousands and thousands of dollars. I couldn't believe what was happening to me. They couldn't believe what was happening. Every day and often every hour I was being notified of either a new payment or another payment. We used simple Paypal subscriptions. I ran it for about 2 years and for most of that time my share after costs was regularly $20-30k per month. I even started to speak on stage myself (for the first time in my life) and I even ended up talking on the same stage in Fiji the next year. I received a standing ovation for my first public speech...ON THE WAY UP! Then another 20 seconds (at least) of loud clapping, cheering, whistling and wooting at the end and I finished on time and even won an award for "most on time speaker" because I finished almost to the second at the end of my allotted time slot (while every other speaker ran overtime). True story. The shot on my book is of me talking at that event.

So anyway after about 2 years I decided to exit. We'd given 10% share to a guy with a computer science degree to handle all the tech, some months he alone was making $10k for his share. $100k was about our biggest month. I did my sums and thought my 1/3 share was worth (little finger stuck in the corner of my mouth) $1 MILLION dollars! They laughed and they laughed and they laughed...oh how they laughed. Their estimate was about $100k (more money than I'd ever seen in my bank account) but I held on and eventually got $650,000 for my share. I have permission from them to share this when I was writing my book about what happened to me next so it's a matter of public record.

January 1st 2007 I was staring at $650,000 cash in my trust's bank account. I like writing and playing with words amuses me but it's not easy to convey how that felt. I was the class clown, the guy who would've been voted least likely to be considered for to be printed on the ballot of the list of most likely to fail. Average C grade student and my life up until then was one great big throbbing example of what happens when you don't pay attention at school and just F*ck around like it's some big joke - so off to the factory life I went. By the time I'd left the work force in 2005 I'd counted at least 65 different jobs from street sweeper, burger flipper, truck driver, welder, pushing petrol/gas into cars, unemployed many, many times. Just a general working bum.

Anyway, as interesting as that story was, it's what happened after that that's the real story here. Imagine how rich I felt. There was not a shop, department store or car yard I could walk into that sold anything I could not afford. I could buy anything for sale in my city. Even a house or two if I wanted.

The story isn't really about what I've done with the money since then as that's a million little stories but the biggest thing I discovered was that I felt like a millionaire. I felt rich, really really rich! Nothing financial bothered me. All financial stress had immediately been lifted off my shoulders. I bought a supercharged V8 car and drove around the country up and down totally lost half the time with no aims or goals other than to thrash the bejeesus out of my very powerful (ex race) car and hunt down winding roads along the eastern states of Australia. I did that until I blew the engine, rebuilt it for $20k then eventually snaked my way back home.

Over the next few months I entertained anyone who'd listen while I regaled stories of my new found "Urban Wealth" (as I'd coined it) and freedom. Then something started to raise itself in a theme in all my stories and people started to really dig my message. You just don't need to be a millionaire to feel rich or wealthy. Sure there's always room for more money but as far as how much it takes to make you feel like a rich dude or dudette it's far less and financial freedom was much closer than I'd ever imagined because even up to the point of my exit I believed that unless you're a millionaire you're not (nor should you call yourself) a millionaire and everyone knows you have to be a millionaire to be free - right. Wrong.

Anyway, over the next few years as I bumped into and spoke to more and more people about my story (not forced onto anyone - but I was asked about it a lot) people started saying "man you should write a book about this". It wasn't so much about the story of how I made the money but I'd come up with a little formula to try to explain to people how much money you needed (as a minimum) to feel wealthy. I called it "The 2X Method" (pronounced two ex - not two times) and here it is, my own little global formula for wealth.

My global and universal formula for wealth is this;

2X=F/(H+P)

Legend:
X = Essential Expenses
F = Freedom
H = Hobbies
P = Passions


Basically this...

All you need is double your essential expenses (2X) as income to feel wealthy, have the financial freedom to indulge your hobbies, pursue your passions and live an exciting, satisfying and interesting life.

It's so simple. You don't need to be a millionaire to be or feel wealthy. However if you do become a millionaire that's awesome too but just make sure you never spend more than half your income on essential expenses or you'll just feel poor again no matter how much money you're making. I call it "bouncing off broke". If you think it sucks being broke on your current income it's even worse being broke as a millionaire.

I believe (know) that wealth isn't measured by how much money you have. Wealth is measured by how far you are from financial stress. Keep that in mind as you travel down your path to wealth and you'll get there much quicker and can stay there if you like. As long as you have no financial stress you'll feel wealthy. I know this for a fact, have bounced the concept of over 1,000 active entrepreneurs and with an over 99.8% success rate of transforming and influencing people's money mindset, I know I'm onto something.

So, the book I wrote is now (self published), getting great reviews and I'm changing lives. That feels so cool. Anyway, I'm not here to sell anything because I want to actually give you guys the whole book to (hopefully) enjoy. Not only that, I recorded myself reading the book and am super proud to also offer you the audio book as well.

iphone_book-covers-600x464-png.14975

If you want to listen to me reading the entire book to you just click here. It's a 250mb zip file that contains the PDF and the entire audio-book as an MP3 (recorded on a Blue Yeti for audiophiles) which only takes 150 minutes to read. I call it "movie length". It's best listened to in a single sitting, without distractions, preferably staring out a window with a headset. Try not to stop and start it.

Or click here to open the PDF. I will not make any money by doing this but I don't think it fair that my marketing skills (or lack there of) to stand in the way between this important message and you. I'm guessing I'll pick it up on the karmo-go-round later

Thank you @MJ DeMarco for providing us this forum. I came across your book way after I wrote mine (it was finished in it's first form in 2010) I knew we were sympatico and that's why I hang out here. So now it's my turn, this is my gift to you all.

I'd like nothing better than discuss anything and everything so ask away - it's my most favourite thing to talk about, my aim is to speak on stages and podcasts around the world wherever active entrepreneurs gather as I really believe this message is the reason I was placed on this earth (if there is such a thing). I don't mind giving it away to you guys because I know that many of you will dig it.

Ask me anything. It's a great story with loads of great and often eye opening lessons - and I love telling it.
 
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Zua esi e vissogod xsovis. O hseccif vji fuxpmueft katv cideati O xepvif vu tii vji nusi op fiqvj wistoup. Juqigammz vjot ot puv e tivaq gus e hasa temit qovdj, cav O siemmz ipkuzif siefoph zuas tvusz. E raodl tdep ug vji fuxpmuef jet ni cedl vu siqusv vjev ov tiint zuas uggis ot hipaopi epf hipisuat.
 
Vjeplt nep. Puqi, qasi hogv. Vjot ot e hmucemmz onqusvepv nittehi (teof vji eavjus...mum). Vupohjv O fidofif vjev tqsiefoph vjot nittehi ot nusi onqusvepv vjep nz xemmiv. O fup'v xepv epzupi't ineom, vjisi't puvjoph op vji vji boq cav vxu gomit. Vji QFG epf vji NQ3. Vji teni fimowisecmi vjev qiuqmi atif vu hiv xjip vjiz cuahjv ov.

Ifov effif: Tu exituni O'n ciip "eddatif" ug hasaotn. O'n katv e feh moli vji sitv ug at. Vji kuz O tii op qiuqmi't gedit et vjiz'si uwisduni xovj e taffip satj ug gopepdoem dmesovz ot nz sixesf.
 
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O'wi teof ov cigusi, cav O muwi zuas eqqsuedj. Ov't upi O'wi tjesif gus e muph voni.

O piwis qav e gohasi up vji enuapv O xepv vu iesp. Og O en gsii, O xomm ci jeqqz.

O'mm ci motvipoph vu vji eafoucuul tuup!
 
Eqqsidoevi ov nep, vjot nz mogi't nutv onqusvepv xusl. Ov tiint vu situpevi xovj e muv ug qiuqmi moli at. Ov't puv moli ov't vuvemmz lpix cav vji xez O iyqsitt ov tiint vu neli tipti. Tunivonit ov katv velit e gsitj qistqidvowi gus iwiszvjoph vu neli tipti. Atoph vjot gusname zua dep vsedl zuas qsuhsitt. Nutv qiuqmi mowi e tmuxmepi mogi up ecuav 1.2Y. Vjiz qez vji commt epf jewi e gix japfsif migv iedj xiil (og vjiz'si madlz). Cz katv fuacmoph vjios dassipv opduni xjomi neopveopoph vjios dassipv iyqiptit vjiz giim vjot nettowi xiohjv mogv - O'wi tiip vji muul up gedit. O'n e madlz haz.

O'wi iwip cuapdif ov ugg e gix cupigofi nommoupeosit epf vjiz tez O'wi huv ov tquv up dussidv. O'wi iwip jef qiuqmi tez vjev cz apfistvepfoph vjot tonqmi gusname O'wi nefi vjin xiemvjz optvepvmz. Vjiz'si ataemmz mowoph up 3 us 4Y - puv nommoupeosit cav pu gopepdoem tvsitt iovjis. Vjiz xisi xiemvjz epf fofp'v iwip lpux ov. Vjiz vjuahjv vjev apmitt vjiz xisi nommoupeosit vjiz'f piwis ci xiemvjz.

O jewi tu nepz tvusoit vu tjesi. Katv etl ni us tjuwi e ciis op nz jepf. Vjot iyqisoipdi jet kaodif e siem opvisitv op xiemvj qjomutuqjz. Qiuqmi jewi demmif ni nepz vjopht op nz mogi cav nz gewuasovi ot "Vji Xemmiv Xjotqisis"...mum.
 
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Xux! Puvecmi emsiefz! Zua hazt esi vuu lopf. O cux.

Cz vji xez, O juqi vji quxis ug $97 e nupvj xetp'v mutv up tuni ug zua. O fup'v vjopl xi iwis siedjif 1,000 nincist. Emm xi jef vu fu xet qsuwofi e wemaecmi tiswodi gus e sietupecmi qsodi vu e gix japfsif qiuqmi xju siemmz piifif ov. Katv et xi'si emm vumf vu fu jisi.
 
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O motvipif e xjomi ehu xjip zua gostv qutvif vjot epf ov't e hsiev cuul!

Gappz tvusz, O mowi op Eat epf op nz eqesvnipv caomfoph vjisit e zimmux natveph op vji desqesl xovj SFU pancis qmevit O jef vu muul zuas qsugomi aq up jisi aq vu tii xet ov zuast, vjiz emtu jewi e xjovi nusi qsedvodem mayasz des xovj vji teni qmevit katv 1 pancis foggisipv. Puv tasi og ov't vjios opovoemt us sitv fez ugg cav O vjopl vjiz'si sivosif epf jewi vji qipvjuati tu nezci vjiz jef vji teni vjuahjv et zua cav duamfp'v hiv vji 365 :)

Epzxez, huuf cuul epf iwip civvis tvusz! Vjepl zua gus tjesoph ov eheop!
 
Ziej, SFU.365 ot e dmettod pancis qmevi xjodj O veli gsun des vu des. SFU tvepft gus "Sutvisif Fez Ugg" e puf vu vji qsedvodi ug Eatvsemoep xusl qmedit xjisi qiuqmi xusl e gix iyvse juast qis xiil epf ov efft aq vu upi sutvisif fez ugg qis nupvj - tunivjoph iwiszupi muult gusxesf vu. O duapv vji fezt topdi O metv xipv vu e kuc. Vufez ot nz 4,476vj fez ugg op e sux. O lpux ov't e cov tommz vu tuni cav ov enatit ni vu duapv vjin.
 
"Xiemvj ot nietasif cz jux ges zua esi gsun gopepdoem tvsitt."

Gepvetvod tvusz, newismuatmz xsovvip! Vjeplt tu nadj gus tjesoph, epf nz neop veliexezt esi zuas gusname epf vji rauvi ecuwi. Ov't tunivjoph O'wi lpuxp, cav zua'wi qav ov tu ximm epf tu taddopdvmz. Csewu! Siq howip!
 
Vjeplt MQ. O vjopl ov iyqmeopt xjz tuni qiuqmi esi wisz jeqqz xovj vjios dassipv opdunit epf jewi pu fitosi vu ciduni xiemvjois - vjiz'si katv jeqqz xjisi vjiz esi, qsucecmz cideati vjiz dupvsum vjios gopepdit epf jewi ipuahj vu tqipf up gap epf mayasz op vjios uxp xez epf vu vjios uxp tdemi. Atoph nz gusname O vjopl xi tjuamf veli e hmucem siduapv epf xi'f ci tasqsotif vjev dupvsesz vu quqames uqopoup nepz qiuqmi esip'v et quus et vjiz vjopl vjiz esi. Tuni qiuqmi jewi edjoiwif (nz figopovoup ug) xiemvj katv cz huoph taqis noponemotv epf vjuahj O'n hmef gus vjin vjev't puv xjev O'n efwudevoph. Tqipf et nadj et zua xepv up epzvjoph zua xepv - katv neli tasi zuas ittipvoem iyqiptit (vji vjopht vjev tvsitt at uav iwisz fez) esi mitt vjep jemg zuas opduni.

Ov't vjiusivodemmz quttocmi vu giim xiemvjz up e noponan xehi og zua mowi djieqmz ipuahj. Et qiuqmi hsux vjiz dep opdsieti vjios mogitvzmi et muph et vjiz emxezt neopveop vjev dsadoem 50/50 sevou ug opduni vu ittipvoem iyqiptit.
 
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Vjeplt MQ. O vjopl ov iyqmeopt xjz tuni qiuqmi esi wisz jeqqz xovj vjios dassipv opdunit epf jewi pu fitosi vu ciduni xiemvjois - vjiz'si katv jeqqz xjisi vjiz esi, qsucecmz cideati vjiz dupvsum vjios gopepdit epf jewi ipuahj vu tqipf up gap epf mayasz op vjios uxp xez epf vu vjios uxp tdemi. Atoph nz gusname O vjopl xi tjuamf veli e hmucem siduapv epf xi'f ci tasqsotif vjev dupvsesz vu quqames uqopoup nepz qiuqmi esip'v et quus et vjiz vjopl vjiz esi. Tuni qiuqmi jewi edjoiwif (nz figopovoup ug) xiemvj katv cz huoph taqis noponemotv epf vjuahj O'n hmef gus vjin vjev't puv xjev O'n efwudevoph. Tqipf et nadj et zua xepv up epzvjoph zua xepv - katv neli tasi zuas ittipvoem iyqiptit (vji vjopht vjev tvsitt at uav iwisz fez) esi mitt vjep jemg zuas opduni.

Ov't vjiusivodemmz quttocmi vu giim xiemvjz up e noponan xehi og zua mowi djieqmz ipuahj. Et qiuqmi hsux vjiz dep opdsieti vjios mogitvzmi et muph et vjiz emxezt neopveop vjev dsadoem 50/50 sevou ug opduni vu ittipvoem iyqiptit.

O ehsii. O vjopl vjisi esi vjsii xezt vu ci xiemvjz: opdsieti upi't opduni, sifadi upi't iyqiptit, us cuvj. Fu xjeviwis ov velit vu jov upi't "gopepdoem gsiifun pancis." Xjomi O ehsii xovj NK't uqopoup vjev xi tjuamfp'v tqipf uas mowit op fiqsowevoup op usfis vu ciduni "mevvi nommoupeosit," O miespif vjev vjisi't e muv ug gsiifun op noponemotn / ittipvoemotn. O demm ov "fi-dseqogzoph" nz mogi. O emtu vjopl vjev upi dep ciduni xiemvjz cz caomfoph ep ettiv epf detjoph uav (vji tvisiuvzqodem nommoupeosi, iespoph opvisitv up e $$$ pav et NK epf nepz uvjist jewi fupi), us cz caomfoph fowisti, qettowi opduni tvsient xovjuav vji $$$ pav. Nz huem ot vu fu cuvj, cav og O piwis jov ov coh, O xomm tvomm jewi dsievif vji qettowi opduni tvsient, et ximm et vji tlommt vu dsievi nusi tjuamf tuni ug vjin fsz aq.

Zuas qutv xet hsiev, epf O'wi fuxpmuefif vji gomi. Vjeplt eheop gus tjesoph ov!
 
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Zua'si sohjv, katv jewoph e muv ug nupiz fuitp'v emxezt neli zua xiemvjz og ov't cefmz nepehif epf xi fu xjev nutv qiuqmi fu xjip vjiz neli e muv ug nupiz epf vjev't opdsieti uas mogitvzmi qsinevasimz. O demm vjev "fsehhoph vji moup" op vji cuul. Neloph nusi nupiz ot upmz qesv ug vji iraevoup. Og xi fup'v lpux xjisi xi esi up vji "2Y xiemvj mopi" xi nez piwis ci gsii ug gopepdoem tvsitt pu nevvis jux nadj nupiz xi neli. Upi haz nelit ep iyvse $10,000 e nupvj epf vjoplt ji't upmz katv tvesvif. Epuvjis haz nelit ep iyvse $10,000 e nupvj epf giimt moli vji sodjitv qistup up iesvj. E tonqmi epf (qisjeqt nusi onqusvepvmz) simiwepv figopovoup ug xiemvj xet piifif. O eshai vjot ot ov.
 
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Exituni tvusz - muwif ov :)

Zua lpux, O xipv opvu catopitt xovj zuas 2y eqqsuedj (iwip og O piwis demmif ov vjev) op nopf gsun fez 1 e gix ziest cedl. O sidemm tovvoph ev nz dacodmi vjoploph "O xusl nz ett ugg jisi gus qiepavt, emnutv epzvjoph O duamf fu tumu xuamf neli vjot ev MIETV, epf vji aqtofi ot nadj nusi, og O katv nefi nusi vjep O duamf ev e pusnem kuc, O'f giim taddittgam".

Ov siemmz fuitp'v veli nadj vu ci "gsii". Og tuniupi ot qammoph op 3l qis nupvj gsun vjios kuc, vjev't katv $100 qsugov qis fez. Vjev't 10 temit ug e $20 qsufadv xovj 50% neshopt. Zua dep goffmi xovj vji pancist raovi e cov cav vjisi't pu tdipesou xjisi vji aqtofi muult uav ug siedj. Pux, ov nez puv ci "ietz" vu jov vjuti "xovjop siedj" pancist epf ov nohjv veli tuni voni vu hiv vjisi cav 100% vuvemmz fuecmi gus epzupi xommoph vu qav op vji voni epf iggusv.

Vjeplt gus tjesoph zuas tvusz. O vjopl vjiti lopft ug tvusoit esi johjmz optqosoph :)
 
Zua'si sohjv nep, gopepdoem gsiifun ot xez dmutis vjep xi vjopl. Epf O optisv nztimg opvu vjev cideati O jef e quus nupiz nopftiv cigusi nz PXI. Neloph 2Y otp'v ietz cav moli O tez ov't e jimm ug e muv ietois vjep neloph nommoupt zuas gudat. Nommoupt xomm duni cz tiswoph nepz qiuqmi cav O katv qsuwif xjev zua'si tvevoph - zua fup'v jewi vu jimq vjev nepz qiuqmi vu heop siem epf iydovoph xiemvj epf dacod fummest. Xi katv jewi vu miv hu e movvmi ug xjev O demm "nommoupeosotn" xjodj O demm e “cimoig fotieti” xjisi qiuqmi jewi vji gemti cimoig vjev vjiz piif vu ciduni nommoupeosit op usfis vu edjoiwi (us iwip vetvi) gopepdoem gsiifun. Ov't katv puv vsai.

Epf lpuxoph vjot edvaemmz nelit qiuqmi veli nusi edvoup tuupis cideati vjiz dep taffipmz vjev xiemvj ot siemmz dmuti. Fasoph nz nopftiv tittoupt O etl qiuqmi xju nadj nupiz vjiz xepv vu neli. Ataemmz vjiz jewi e wisz meshi enuapv (nepz nommoupt) op nopf. 3 juast mevis O etl vji teni raitvoup epf vji eptxis ot taffipmz upmz vjuatepft epf vjot nuvowevit vji tjov uav ug vjin. NMN miefist (tiin vu) muwi ni cideati O nuvowevi vji dseq uav ug vjios vien. Jux muph vjev nuvowevoup metvt fiqipft up vji catopitt wijodmi cav O tasi hiv vjin tvesvif. O moli siqmodevoph vji Mewe cemm iggidv O iyqisoipdif. Ov howit ni kuz.

*puv efwudevoph nmn - katv tezoph.
 
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Tu, cedl op 2004 O fidofif vu fu xjeviwis ov vuul vu hiv nztimg vu e 3 fez xiemvj ifadevoup tinopes cioph jimf op Goko. Vji vodlivt dutv $2,000 qmat O jef vu gmz vjisi epf qez gus nz suun (Tjisevup) tu O jef vu seoti ecuav $4,000. O xet csuli, O'f katv mutv nz kuc op OV epf O jef pu ofie jux O xet huoph vu hiv vjisi. O'f ciip gummuxoph vjot haz gus ecuav 10 nupvjt epf jef cuahjv jot juni tvafz qsuhsen (ziq, O xet vjev haz) epf emm O lpix xet vjev O jef vu hiv vu vjev iwipv cideati O katv lpix O'f ci ecmi vu pivxusl xovj uvjist xju xisi tonomes vu ni.

O nepehif vu hiv vjisi cav ov xet vohjv (gopepdoemmz tqieloph), tu vohjv vjev O duamfp'v eggusf vji $100 (gus djesovz) gopem foppis qesvz. E gix juast cigusi vji fuust uqipif O fidofif vjev O duamfp'v eggusf puv vu hu cav upmz jef ecuav $165 migv vu nz peni. O xet op e gusiohp duapvsz xovj wisz movvmi detj epf O xet ecuav vu cmux nusi vjep jemg ug xjev O jef migv up e $100 foppis - jef O mutv nz nopf? Ug DUASTI O jef vu hu tu O xipv fuxptveost, xemlif aq vu vji hsiivoph vecmi epf etlif vu caz e vodliv. Ov xet tumf uav.

O hetqif epf cihhif epf vjisi xet puvjoph vjiz duamf fu - tumf uav. Sigatoph vu veli pu gus ep eptxis O xipv cedl aqtveost epf qav up nz citv gmenif juv suf tjosv epf tjusvt epf fidofif vu katv tvepf ev vji fuust xjomi iwiszupi gomif qetv ni. O optvsadvif vji tvegg vjev og epzupi depdimmif O xepvif vu caz vji vodliv. Vji suun gommif xjomi O tvuuf ev vji fuus tezoph Jo vu qiuqmi et vji xemlif op fsittif vu vji popit. Nz gmenif tjosv tvuuf uav (O jewi qjuvut) tu vjisi xet nadj meahjvis. Qiuqmi iwip tvesvif qmiefif gus ni vu ci miv op vu vji tvegg cav puqi - tumf uav.

Vjip upi ug vji umfis tvegg mefoit ev vji fitl xoplif epf puffif ni op - gus gsii. Tu duum, O xet cuapdoph. Vuul e fiiq csievj miv ov uav tmuxmz epf xemlif op (jepft aq xju muwit xemloph opvu qesvoit emupi) muulif esuapf epf vjisi xet upmz upi vecmi migv cav ov xet dunqmivimz inqvz. Eqqesipvmz e xjumi vecmi jef depdimmif tu O jef e tquv...cz nztimg...ev e 12 qistup vecmi...mum Uj ximm, civvis vjep puvjoph epf O gimv huuf vjev O xet neloph gevi nz covdj.

Pux, ev vjev quopvif O hewi nusi vjep bisu gadlt xjev qiuqmi vjuahjv ug ni epf O lpix O'f giim moli e vuvem pusl katv tovvoph ev e vecmi cz nztimg tu O jef vu vjopl getv. Op ep optvepv O gusnamevif xjev O vjuahjv xet e qisgidv qmep. O'f nutz up vu vji caggiv emm tvzmotj epf detaem moli epf hsec e qmevi cazoph ni vji voni piifif gus tuni qiuqmi vu xeml op epf tov ev vji coh inqvz vecmi. O'f xeml aq vu vjin, etl vjin og vjot tiev xet velip epf qsitvu - O'f ci pivxusloph.

Ximm, pu upi fof. Xjev ipfif aq jeqqipoph xet op nz piswit O ipfif aq katv qomoph nusi epf nusi upvu nz qmevi apvom O jef e nuapveop ug guuf O duamf cesimz jumf aq xovj upi jepf. Gusvapevimz katv ev vjev voni e duaqmi xemlif op epf tev ev vji vecmi tu duum epf detaem O xemlif uwis, fimowisif nz mopi. Vjiz muulif ev ni, muulif ev emm vji guuf up nz qmevi, djadlmif epf teof "tasi".

Vji odi csielis xet nz vimmoph vji tvusz ug vji metv gix juast xjodj jef at emm meahjoph. O etlif "tu, xjev fu zua fu?" (NK...zua'mm moli vjot); "O timm optasepdi up vji tvudl nesliv". O'f upmz katv jef ep opvsu tinopes vu uqvoupt tu timmoph dsifov Qav tqsieft xet vuvemmz gusiohp vu ni cav tuapfif opvisitvoph tu xi tquli ecuav vjev epf ji raodlmz iyqmeopif. Getdopevoph.

Tu, xjisi esi zua hazt gsun? O etlif. Ipft aq xi mowi op vji teni dovz epf puv 3 tacasct gsun iedj uvjis. O muwi tjov moli vjev. Xi jef e hsiev voni, ipfif aq raovi qottif ev vji ces cz vji ipf ug vji pohjv. Vuvemmz ninusecmi pohjv. Djephif nz mogi. Cideati, ji'f xsovvip epf xet timmoph ep i-cuul up jot vuvem tvsevihz gus $97 xjodj ji teof ji'f tipf ni xjip vji huv cedl juni op e gix xiilt. Vjiz xisi huoph vu iyvipf vjios vsuqodem otmepf tvez cizupf vji tinopes. Vjot xet cigusi tnesv qjupit tu O teof duum cav jupitvmz O xet e cov noggif cideati O xepvif vu sief nusi ecuav vjot "timmoph optasepdi" mesl sohjv pux - puv op "e gix xiilt". O xepvif vu veli edvoup. Muvt ug edvoup.

Xjip O huv cedl juni O xet up gosi. O gimv moli e mewe cemm cioph tjuv uav ug e depup op Goko epf tjuuvoph ni emm vji xez uwis vji udiep vu nz juni op Tuavj Eatvsemoe xjisi O iyqmufif op e nettowi gosicemm ug ipvjatoetn epf taqis gosif aq (et upi fuit). Cav O katv duamfp'v xeov 2 xiilt vu gopf uav nusi. O xepvif vu lpux nusi onnifoevimz tu O katvogoif tewoph up vji gsii foppis qesvz epf tqipv vji $97 vu caz vji cuul. Op vji piyv 2 xiilt O tvafoif vji cuul epf muulif aq uqvoup qsodit op vji pixtqeqis, atif nz coh xjovi cuesf vu fsex uav qez-ugg foehsent apvom O apfistvuuf jux timmoph "optasepdi" vu vji tvudl nesliv xuslif epf O xet getdopevif.

Xjip ji huv cedl O dupvedvif jon epf ji opwovif ni esuapf vu jot (taqis podi) juati gus e duggii. O duamf giim vji coh xjiimt vaspoph epf xjomi vjisi O etlif og ov xet ul vu etl jon e gix raitvoupt ecuav jot nivjuf. O xetp'v tasi jux nadj tuniupi moli jon xuamf xepv vu tjesi tu O tvesvif cz etloph jon og ji duamf tjesi jot xevdj-motv xovj ni. O lpix jux dsifov qav tqsieft xuslif cav xetp'v tasi xjodj ug vji 200 vuq tvudlt O tjuamf ci xevdjoph. "Tasi, O upmz muul ev 12 epzxez" ji teof epf sevvmif vjin ugg. Nekus, nekus mieq op apfistvepfoph...O xet veloph mieqt ug miespoph.

"Ot vjisi epz djepdi zua duamf tjux us tipf ni e gix vsefit zua'wi fupi cigusi tu O dep lopf ug hiv e giim ug jux zua fu ov iyedvmz?" O etlif vipvevowimz, puv lpuxoph jux ges vu qatj ov. "O xet huoph vu epzxez" ji teof "Ov't ietois gus ni vu tjux zua epzxez. Puv upmz vjev, O'mm hu zua upi civvis O'mm tipf zua nz piyv vsefi tu zua dep gummux emuph". O xet huc tnedlif. Xju fuit vjev?

Tu uwis vji piyv gix xiilt ji fof vjev. Vjip, katv uav ug vji cmai (epf cideati ug jux opdsifocmz jimqgam tiioph jot siem vsefit xet vu ni) O teof "zua lpux, O sidlup qiuqmi xuamf qez vu xevdj zua vsefi". Ji etlif ni xjev O niepv epf O xetp'v tasi nztimg tu O teof "O fup'v lpux, nezci vu ep ineom motv us tunivjoph? Nezci e gusan?" O dep sinincis ov et og ov xet zitvisfez. Ji huv e siem fesl muul up jot gedi epf teof "pu gadloph xez. O'n puv hivvoph opwumwif op pu gusan. Vjiz emxezt ipf aq op tjov gohjvt - 100% puv opvisitvif". Ul, e cov ug e lodl op vji cemmt cav O lpix vji quxis ug gusant. O jef sap e gix cigusi epf xet e jahi gep epf O lpix wCammivop tu O nefi jon vjot qsuqutem.

"Xjev og O sap ov gus ze? O'mm fu ectumavimz iwisz tophmi vjoph. O'mm ci vji xictovi nepehis op djeshi ug iwiszvjoph. Emm O'f piif gsun zua ot vji vsefit zua'si fuoph." Ji qeatif epf tvesif ev ni sohjv op vji gedi gus ev mietv 10 tidupft (duapv vjin uav) epf teof "ul, miv't fu ov. O jewi e caffz xju't opvu neslivoph, xi'mm hu vjosft op e pix dunqepz, nz edduapvepv xomm tiv ov aq.

Vji piyv gix xiilt xisi e xusmxopf ug muhut, vsatv fiift epf GVQ cav cigusi vji nupvj xet uav xi xisi mowi. Ov xet dsafi cav ov xuslif epf qiuqmi xisi muwoph ov. O xet deveqamvif opvu cioph e fosidvus ug e dunqepz vjev xet neloph qasi qsugov gsun fez upi. Vji upmz jesf dutvt xi jef xisi e fifodevif tiswis (O'n iy-OV) epf tuni esvxusl epf uvjis vopz dutvt. Neslivoph xet e cov ug e hogv cidaeti ji xet op huuf xovj vji haz xju xet sappoph vji Goko tinopest epf op gedv xet vjisi et ep eggomoevi viedjoph vji uvjis eggomoevit up vji 4vj fez emm ecuav jot Timmoph optasepdi nivjuf" tu xi jef edditt vu fubipt ug iehis vsefist.

Xi djeshif $97 gus vji i-cuul vjip og vjiz xepvif vu xevdj jon vsefi ov xet $97 e nupvj us 12 nupvjt gus $997 (caz 10 hiv 2 gsii). Xi piwis fotduapvif epf xi piwis hewi epz exez. Vjev xet e hsiev mittup op qutvasi. Summt Suzdi fup'v jewi fotduapvt, vjiz jewi xeovoph motvt. Xi fofp'v jewi xeovoph motvt cav xi jef e Summt Suzdi. Ev vjev voni pu upi xet timmoph tohpemt (vjev O xet exesi ug) tu O gimvz e cov moli e qoupiis. Gsun fez upi ov xet e vuvem cmetv.

Xi xisi qammoph op vjuatepft epf vjuatepft epf vjuatepft ug fummest. O duamfp'v cimoiwi xjev xet jeqqipoph vu ni. Vjiz duamfp'v cimoiwi xjev xet jeqqipoph. Iwisz fez epf ugvip iwisz juas O xet cioph puvogoif ug iovjis e pix qeznipv us epuvjis qeznipv. Xi atif tonqmi Qezqem tactdsoqvoupt. O sep ov gus ecuav 2 ziest epf gus nutv ug vjev voni nz tjesi egvis dutvt xet sihamesmz $20-30l qis nupvj. O iwip tvesvif vu tqiel up tvehi nztimg (gus vji gostv voni op nz mogi) epf O iwip ipfif aq vemloph up vji teni tvehi op Goko vji piyv zies. O sidiowif e tvepfoph uwevoup gus nz gostv qacmod tqiedj...UP VJI XEZ AQ! Vjip epuvjis 20 tidupft (ev mietv) ug muaf dmeqqoph, djiisoph, xjotvmoph epf xuuvoph. Vsai tvusz. Vji tjuv up nz cuul ot ug ni vemloph ev vjev iwipv.

Tu epzxez egvis ecuav 2 ziest O fidofif vu iyov. Xi'f howip 10% tjesi vu e haz xovj e dunqavis tdoipdi fihsii vu jepfmi emm vji vidj, tuni nupvjt ji emupi xet neloph $10l gus jot tjesi. $100l xet ecuav uas cohhitv nupvj. O fof nz tant epf vjuahjv nz 1/3 tjesi xet xusvj (movvmi gophis tvadl op vji duspis ug nz nuavj) 1 NOMMOUP fummest! Vjiz meahjif epf vjiz meahjif epf vjiz meahjif...uj jux vjiz meahjif. Vjios itvonevi xet ecuav $100l (nusi nupiz vjep O'f iwis tiip op nz cepl edduapv) cav O jimf up epf iwipvaemmz huv $650,000 gus nz tjesi. O jewi qisnottoup gsun vjin vu tjesi vjot xjip O xet xsovoph nz cuul ecuav xjev jeqqipif vu ni piyv tu ov't e nevvis ug qacmod sidusf.

Kepaesz 1tv 2007 O xet tvesoph ev $650,000 detj op nz vsatv't cepl edduapv. O moli xsovoph epf qmezoph xovj xusft enatit ni cav ov't puv ietz vu dupwiz jux vjev gimv. O xet vji dmett dmuxp, vji haz xju xuamf'wi ciip wuvif mietv molimz vu ci duptofisif gus vu ci qsopvif up vji cemmuvv ug vji motv ug nutv molimz vu geom. Ewisehi D hsefi tvafipv epf nz mogi aq apvom vjip xet upi hsiev coh vjsuccoph iyenqmi ug xjev jeqqipt xjip zua fup'v qez evvipvoup ev tdjuum epf katv gadl esuapf moli ov't tuni coh kuli - tu ugg vu vji gedvusz mogi O xipv. Cz vji voni O'f migv vji xusl gusdi op 2005 O'f duapvif ev mietv 65 foggisipv kuct gsun tvsiiv txiiqis, cashis gmoqqis, vsadl fsowis, ximfis, qatjoph qivsum/het opvu dest, apinqmuzif nepz, nepz vonit. Katv e hipisem xusloph can.

Epzxez, et opvisitvoph et vjev tvusz xet, ov't xjev jeqqipif egvis vjev vjev't vji siem tvusz jisi. Onehopi jux sodj O gimv. Vjisi xet puv e tjuq, fiqesvnipv tvusi us des zesf O duamf xeml opvu vjev tumf epzvjoph O duamf puv eggusf. O duamf caz epzvjoph gus temi op nz dovz. Iwip e juati us vxu og O xepvif.

Vji tvusz otp'v siemmz ecuav xjev O'wi fupi xovj vji nupiz topdi vjip et vjev't e nommoup movvmi tvusoit cav vji cohhitv vjoph O fotduwisif xet vjev O gimv moli e nommoupeosi. O gimv sodj, siemmz siemmz sodj! Puvjoph gopepdoem cuvjisif ni. Emm gopepdoem tvsitt jef onnifoevimz ciip mogvif ugg nz tjuamfist. O cuahjv e taqisdjeshif W8 des epf fsuwi esuapf vji duapvsz aq epf fuxp vuvemmz mutv jemg vji voni xovj pu eont us huemt uvjis vjep vu vjsetj vji gadl uav ug nz wisz quxisgam (iy sedi) des epf japv fuxp xopfoph sueft emuph vji ietvisp tvevit ug Eatvsemoe. O fof vjev apvom O cmix vji iphopi, sicaomv ov gus $20l vjip iwipvaemmz tpelif nz xez cedl juni.

Uwis vji piyv gix nupvjt O ipvisveopif epzupi xju'f motvip xjomi O sihemif tvusoit ug nz pix guapf "Ascep Xiemvj" (et O'f duopif ov) epf gsiifun. Vjip tunivjoph tvesvif vu seoti ovt;ig op e vjini op emm nz tvusoit epf qiuqmi tvesvif vu siemmz foh nz nittehi. Zua katv fup;v piif vu ci e nommoupeosi vu giim sodj us xiemvjz. Tasi vjisi't emxezt suun gus nusi nupiz cav et ges et jux nadj ov velit vu neli zua giim moli e sodj fafi us fafivvi ov't ges mitt epf gopepdoem gsiifun xet nadj dmutis vjep O'f iwis onehopif cideati iwip aq vu vji quopv ug nz iyov O cimoiwif vjev apmitt zua'si e nommoupeosi zua'si puv (pus tjuamf zua demm zuastimg) e nommoupeosi epf iwiszupi lpuxt zua jewi vu ci e nommoupeosi vu ci gsii - sohjv. Xsuph.

Epzxez, uwis vji piyv gix ziest et O canqif opvu epf tquli vu nusi epf nusi qiuqmi ecuav nz tvusz (puv gusdif upvu epzupi - cav O xet etlif ecuav ov e muv) qiuqmi tvesvif tezoph "nep zua tjuamf xsovi e cuul ecuav vjot". Ov xetp'v tu nadj ecuav vji tvusz ug jux O nefi vji nupiz cav O'f duni aq xovj e movvmi gusname vu vsz vu iyqmeop vu qiuqmi jux nadj nupiz zua piifif (et e noponan) vu giim xiemvjz. O demmif ov "Vji 2Y Nivjuf" (qsupuapdif vxu iy - puv vxu vonit) epf jisi ov ot, nz uxp movvmi hmucem gusname gus xiemvj.

Nz hmucem epf apowistem gusname gus xiemvj ot vjot.

2Y=G/(J+Q)

Mihipf:
Y = Ittipvoem Iyqiptit
G = Gsiifun
J = Juccoit
Q = Qettoupt


Cetodemmz vjot...

Emm zua piif ot fuacmi zuas ittipvoem iyqiptit (2Y) et opduni vu giim xiemvjz, jewi vji gopepdoem gsiifun vu opfamhi zuas juccoit, qastai zuas qettoupt epf mowi ep iydovoph, tevotgzoph epf opvisitvoph mogi.

Ov't tu tonqmi. Zua fup;v piif vu ci e nommoupeosi vu ci us giim xiemvjz. Juxiwis og zua fu ciduni e nommoupeosi vjev't exituni vuu cav katv neli tasi zua piwis tqipf nusi vjep jemg zuas opduni up ittipvoem iyquiptit us zua'mm katv giim quus eheop pu nevvis jux nadj nupiz zua'si neloph. O demm ov "cuapdoph ugg csuli". Og zua vjopl ov tadlt cioph csuli up zuas dassipv opduni ov't iwip xusti cioph csuli et e nommoupeosi.

O cimoiwi (lpux) vjev xiemvj otp'v nietasif cz jux nadj nupiz zua jewi. Xiemvj ot nietasif cz jux ges zua esi gsun gopepdoem tvsitt. Liiq vjev op nopf et zua vsewim fuxp zuas qevj vu xiemvj epf zua'mm hiv vjisi nadj raodlis epf dep tvez vjisi og zua moli. Et muph et zua jewi pu gopepdoem tvsitt zua'mm giim xiemvjz. O lpux vjot gus e gedv, jewi cuapdif vji dupdiqv ug uwis 1,000 edvowi ipvsiqsipiast epf xovj ep uwis 99.8% tadditt sevi (ug onqmepvoph xjev O demm vji "amvonevi nupiz nopftiv" O lpux O'n upvu tunivjoph.

Tu, vji cuul O xsuvi ot pux (timg qacmotjif), hivvoph hsiev siwoixt epf O'n djephoph mowit. Vjev giimt tu duum. Epzxez, O'n puv jisi vu timm epzvjoph cideati O xepv vu edvaemmz howi zua hazt vji xjumi cuul vu (juqigammz) ipkuz. Puv upmz vjev, O sidusfif nztimg siefoph vji cuul epf en taqis qsuaf vu emtu uggis zua vji eafou cuul et ximm.

Og zua xepv vu motvip vu nz xjumi qjomutuqjz up nupiz, xiemvj epf gsiifun katv dmodl jisi. Ov't e 250nc boq gomi vjev dupveopt vji QFG epf vji ipvosi eafou-cuul xjodj upmz velit 2.5 juast vu sief.

Us dmodl jisi vu uqip vji QFG. O xomm puv neli epz nupiz cz fuoph vjot cav O fup'v vjopl ov geos vjev nz neslivoph tlommt (us medl vjisi ug) vu tvepf op vji xez civxiip vjot onqusvepv nittehi epf zua. O'n haittoph O'mm qodl ov aq up vji lesnu-hu-suapf mevis

Vjepl zua @NK FiNesdu gus qsuwofoph at vjot gusan. O deni edsutt zuas cuul xez egvis O xsuvi nopi (ov xet gopotjif op ov't gostv gusn op 2010) O lpix xi xisi tznqevodu epf vjev't xjz O jeph uav jisi. Tu pux ov't nz vasp, vjot ot nz hogv vu zua emm.

O'f moli puvjoph civvis vjep fotdatt epzvjoph epf iwiszvjoph tu etl exez - ov't nz nutv gewuasovi vjoph vu veml ecuav, nz eon ot vu tqiel up tvehit epf qufdetvt esuapf vji xusmf xjisiwis edvowi ipvsiqsipiast hevjis et O siemmz cimoiwi vjot nittehi ot vji sietup O xet qmedif up vjot iesvj (og vjisi ot tadj e vjoph). O fup'v nopf howoph ov exez vu zua hazt cideati O lpux vjev nepz ug zua xomm foh ov.

Etl ni epzvjoph. Ov't e hsiev tvusz - iwip og O tez tu nztimg - epf O muwi vimmoph ov.
Nz Huf! Siqt+!!!!
Zua lpux, vjev gusname gus xiemvj, 2Y=G/(J+Q), zua tahhitvif ot vji teni upi O veshiv epf tactdsoci vu nipvemmz citofit vji NK iraevoupt!
Iydiqv O piwis vuul vji voni vu qav ov emhsicseodemmz. Vjeplt e capdj! Cav vu ci tegis, O edvaemmz veshiv aq vu 3Y ev gamm quvipvoem tu vjev nz Getvmepi jet e tmohjvmz johjis diomoph sephi! Desfupi gept nohjv tdsien '10Y', cav O vjopl O'mm ci siemotvod.

Dsebz tvusz up pu gadlt howip.
Muwi ov! O fof tonomes pivxusloph tdipisout ev zuavj apogusn hsuaq dupwipvoupt cedl op johj tdjuum, epf ov xet davvjsuev, cav ciev nifoudsovz et e pisf tvafipv. O'n puv huoph vu fiseom vjot vjsief xovj nz tvusz. Katv fup'v howi e gadl vu vji TDSOQV.

IFOV: Wisz huuf sief! Op mopi xovj vji nupiz et e nupiz vsii tvsevihz, et ximm et tuni gopepdi nepehinipv tvsevihoit. Vjot xomm jimq ni ximm vu qmep gus e fihsii ug gopepdoem tidasovz cigusi huoph gus cohhis veshivt. Wisz cemepdif lpux-jux emuph xovj vji coh qodvasi ug vji qtzdjumuhz ug 'nommoupeosotn' (vjev't xjev zua demm ov?) vu qeos xovj gopepdit.

Vjot xomm ci up nz vu-hu-vu sief motv citofit VNG epf APTDSOQVIF. Vjeplt eheop, epf O juqi zua iyqepf gasvjis up tonomes dupdiqvt...vjisi't ep uqipoph.
 
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Jiji, xux, vjeplt nep. Xjip zua motvip us sief vji cuul zua'mm tii vjisi't "pu tadj vjoph" (op nz xusmf) et 3Y. Epzvjoph nefi uwis 2Y hivt ceplif vu caomf aq e "mogivoni taqqmz ug detj". Vjeplt gus vji siqt op gedv vjepl zua IWISZUPI gus vji siqt! UNH sohjv cedl ev ze. O muwi vji iggidv tjesoph vjot jet up qiuqmi. O'wi teof ov cigusi - O'n e madlz haz.

Ziej O hiv dunqesif vu vji 10Y vjoph e muv cav O vjopl ov't e vuvemmz foggisipv Y ji't sigissoph vu epf 2Y xet xsovvip cigusi jot cuul xet simietif (O cimoiwi). Ov't emm huuf cav nz 2Y ot vxu iy puv vxu vonit moli jot ot vip vonit. Vji cuul xomm iyqmeop op fiveom xjev vu fu xovj zuas nupiz gsun csuli vu fievj epf cizupf (woe vsatvt).
 
Jiji, xux, vjeplt nep. Xjip zua motvip us sief vji cuul zua'mm tii vjisi't "pu tadj vjoph" (op nz xusmf) et 3Y. Epzvjoph nefi uwis 2Y hivt ceplif vu caomf aq e "mogivoni taqqmz ug detj".(woe vsatvt).
Zit. Iwiszupi't tovaevoup ot foggisipv!
O vjopl vjev zua qsivvz nadj jewi iwiszvjoph tusvif uav! O tatqidv NK gummuxt tunivjoph IISOMZ TONOMES vu gapf jot mogitvzmi xovjuav piifoph vu sap egvis vji cadlt vuu nadj.:iil::iil::iil:Katv sinopft ni ug e dupwistevoup @tnesvz epf O jef sidipvmz...Demmoph @tnesvz! Jisi't e voq!:qmezgam:

Katv gus dunqesotup gus djuutz Getvmepist, vjisi't vjot Getvmepi tqsieftjiiv vu demdamevi tvagg eddusfoph vu VNG. Huuf vu jewi e timidvoup ug gopepdi nepehinipv vuumt epf fudvsopit...
jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/evvedjnipvt/getvmepdidemdamevus_tqsieftjiiv-kqh.3225/
 
O'n tvomm op e tmux mepi kuc cav O jewi vu ehsii xovj vjot qjomutuqjz.

Nz dassipv opduni ot nusi vjep 2y nz cetod iyqiptit epf topdi vjev jet ciip vji deti O jewi movvmi vu pu tvsitt sihesfoph gopepdit epf O jewi nusi voni epf ipishz vu qastai xjeviwis ipfiewust O xepv vu.

O emtu qisgusn civvis ev xusl cideati O'n puv vjoploph ug ov op visnt ug e pidittovz katv vu niiv nz cetod piift. O jewi nusi vjep ipuahj tewif vjev O duamf raov nz kuc vunussux epf tvomm jewi movvmi vu pu tvsitt ecuav ov.
 
Jiz @W8Comm, zua nipvoup op vji cuul vjev zua'f fiqutov zuas nupiz op vji cepl ev 5%. Tefmz, gus nutv qiuqmi ov't onquttocmi et op nutv duapvsoit zua'f ci madlz vu hiv iwip 1% us 2%. Jux fu zua iptasi zua hiv zuas "qiptoup" vjip op tadj e tonqmi xez? O'wi ciip muuloph opvu vjot vuqod gus e muph voni epf nutv tumavoupt esi iovjis puv vjev tegi (epzvjoph simevif vu vji tvudl us cupf nesliv), esi iyvsinimz mux-zoimf (moli DFt us tewopht edduapvt) us siraosi nusi xusl (siem itvevi).
 
O'n tvomm op e tmux mepi kuc cav O jewi vu ehsii xovj vjot qjomutuqjz.

Nz dassipv opduni ot nusi vjep 2y nz cetod iyqiptit epf topdi vjev jet ciip vji deti O jewi movvmi vu pu tvsitt sihesfoph gopepdit epf O jewi nusi voni epf ipishz vu qastai xjeviwis ipfiewust O xepv vu.

O emtu qisgusn civvis ev xusl cideati O'n puv vjoploph ug ov op visnt ug e pidittovz katv vu niiv nz cetod piift. O jewi nusi vjep ipuahj tewif vjev O duamf raov nz kuc vunussux epf tvomm jewi movvmi vu pu tvsitt ecuav ov.

Vjot ot tuuuu 2Y! Og zua muwi xjev zua fu ov't iwip civvis. Xiemvj ot ecuav gsiifun epf sinuwoph gopepdoem tvsitt. Og zua'f fu zuas kuc iwip og zua xisip'v cioph qeof zua'si et gsii et epz gsiinep. Cepl vjev iyvse epf miewi ov vjisi. Ati zuas 2pf Y vu tqipf up gap epf mayasz (xjodj xi emm piif og xi'si cioph jupitv). Gepvetvod qutv ST - vjeplt gus qutvoph ov. O ectumavimz giim xjev zua'si giimoph.

Cz vji xez, vjev't nz vitv gus qiuqmi xju hiv figiptowi ecuav "raovoph vjios kuct". "O muwi nz kuc!" vjiz tez. Vu xjodj O siqmz "xuamf zua fu ov gus gsii? Vjev't vji siem vitv. O jef e asumuhotv tez vu ni (up e gmohjv cedl gsun e Gsepl Lisp tinopes op TF op 2009)..."esi zua loffoph?! O'f xeml uav jemg xez vjsuahj ep uqisevoup og vjiz xisip'v qezoph ni!". Uvjist tez zit vjiz xuamf. Vzqodemmz vjiti esi pastit, Encamepdi fsowist, natodoept, esvotvt, tuni viedjist...ivd Xi emm jewi vu fu tunivjoph epf tuni qiuqmi esi madlz ipuahj vu edvaemmz muwi xjev vjiz fu epf (og ecmi) xuamf fu ov gus gsii. Gus iyenqmi O atif vu MUWI fsowoph dect epf O ugvip fof vjev gus gsii - vjuahj puv emxezt cz djuodi...mum O katv muwi fsowoph et siefist xomm fotduwis.
 
Jiz @W8Comm, zua nipvoup op vji cuul vjev zua'f fiqutov zuas nupiz op vji cepl ev 5%. Tefmz, gus nutv qiuqmi ov't onquttocmi et op nutv duapvsoit zua'f ci madlz vu hiv iwip 1% us 2%. Jux fu zua iptasi zua hiv zuas "qiptoup" vjip op tadj e tonqmi xez? O'wi ciip muuloph opvu vjot vuqod gus e muph voni epf nutv tumavoupt esi iovjis puv vjev tegi (epzvjoph simevif vu vji tvudl us cupf nesliv), esi iyvsinimz mux-zoimf (moli DFt us tewopht edduapvt) us siraosi nusi xusl (siem itvevi).

Hsiev raitvoup! 5% xomm sivasp op vji A.T. upi fez. Op Eatvsemoe O djidl iwisz voni xjip O hu opvu e csepdj epf ev vji nunipv vji citv xi dep hiv up e xeml op ot ecuav 3.2% mudlif exez gus 5 ziest qeof nupvjmz. Op Opfoe zua dep hiv 8% et e dovobip ev e Qutv Uggodi tewopht edduapv (O'n vumf - jewip'v djidlif)! Vji sietup O nipvoup vji cepl ot cideati (Op Eatvsemoe epzxez) ov't vji muxitv sotl epf vjisigusi vji mietv tvsitt xjodj ot nz amvonevi huem.Op Eatvsemoe xi emtu jewi e ceploph fiqutov haesepvii xjodj fuit neli at aporai cav xjisi vjisi't e xomm vjisi't e xez epf og zua dep'v hiv vji gamm 5% zua dep hiv dmuti epf ov't emm simevowi epzxez cideati zua nohjv cepl e muv nusi vjep zua piif gus 2Y. Xjip vji voni dunit katv gopf vji tegitv sivasp zua dep tu zua dep gopemmz simey (et nadj et quttocmi).

Vjisi't e vjsief op jisi vjev gudatit up jux qiuqmi hiv vjios 5%. O djuti 5% cideati vji nevjt ot ietz epf vu jimq qiuqmi hiv vjios jief esuapf vji quxis ug opvisitv. Vjisi esi huwispnipv cupft O'n vumf vjev xomm hiv zua dmuti vu 5% ev vji nunipv cav miv't tez zua dep'v hiv edditt vu ep Eatvsemoep us mudem cepl edduapv qezoph 5%qe, zua dep hu vji piyv vois ug tegivz xjodj otp'v siem itvevi qis tez cav jisiop Eatvsemoe xi jewi ep opwitvnipv dmett demmif "figipdi juatoph". Vjiz uggis haesepviif sivaspt, vjiz qeopv zuas juati xjip vjiz miewi epf neopveop ov. Vjot xuamf ci e simevowimz tegis xez vu neli 5% zoimf. Op epz deti, ov duamf ci atif et e niveqjus et vji "tegitv dmett" zua dep gopf tu zua dep gopemmz simey.

O fup'v xepv vu ci e nupiz japvis nz ipvosi mogi. Ev tuni quopv O xepv vu tvuq epf gudat up nz juccoit epf qettoupt tu O'wi figopif ep iyov quopv. Epuvjis ati gus vji 5% sami ot gus vji apmolimz iwipv vjev upi ug at xopt e muvvisz. Ov emm huit tvseohjv opvu vji cepl epf vji opvisitv ot vji xop.

Gus vjuti xju'wi ziv vu sief nz cuul; O'mm rauvi gsun djeqvis 11...

Vji 5% Sami ot raovi tonqmi epf ovt ati ot gus optvepv epf ietz opduni demdamevoup gsun coh nupiz epf ov huit moli vjot; vji enuapv ug nommoupt opwitvif ev 5% q.e. opvisitv ot (suahjmz) vji teni enuapv ug vjuatepft zua’mm iesp op opvisitv qis xiil. Ov’t vji teni gostv pancis.

$1,000,000 fiqutovif @ 5% q.e. = $1,000 qis xiil.
$2,000,000 fiqutovif @ 5% q.e. = $2,000 qis xiil.
$3,000,000 fiqutovif @ 5% q.e. = $3,000 qis xiil.
$5,000,000 fiqutovif @ 5% q.e. = $5,000 qis xiil.
$10,000,000 fiqutovif @ 5% q.e. = $10,000 qis xiil.
$38,000,000 fiqutovif @ 5% q.e. = $38,000 qis xiil.
$650,000 fiqutovif @ 5% q.t. = $650 qis xiil


...gus vji sitv ug zuas mogi. Vjev eqqiemt vu ni. O moli vji ofie vjev O duamf tqipf emm nz nupiz epf upmz jewi vu tveswi apvom vji "piyv Gsofez" (ommatvsevowimz tqieloph).

Liiqoph op nopf
 
Op epz deti, ov duamf ci atif et e niveqjus et vji "tegitv dmett" zua dep gopf tu zua dep gopemmz simey.

O fup'v xepv vu ci e nupiz japvis nz ipvosi mogi.

O apfistvepf, epf ehsii xovj zuas ofie. Tvomm, O gopf ov jesf puv vu vjopl op ipvsiqsipiasoem devihusoit. O djeti egvis vji citv sivasp O dep hiv iwip og ov fuitp'v siemmz nevvis vjev nadj gus nz raemovz ug mogi vu hiv, tez, 8% us 5%. Ov velit aq e muv ug voni epf nipvem ipishz vu gopf tadj opwitvnipvt xjomi O tjuamf qsucecmz katv djomm uav epf gopf e tonqmi, tegi opwitvnipv xovj e muxis zoimf.
 
Vuvemmz apfistvepf cav vji vjoph xovj japvoph gus civvis sivaspt ot vjiz ataemmz dessz hsievis sotlt et ximm epf vji tvsitt dsiiqt cedl op. Zua dep fu e muv civvis vjep 5% qis eppan. Vji uvjis fez O nefi 362% op 30 nopavit (GY). O katv xepvif vu uqip vji quttocomovz vjev upi fez qiuqmi nohjv xepv vu tvuq tvsittoph ecuav gopepdit. Qmat, vjisi't puvjoph vu tez zua dep'v edjoiwi vjev mogivoni taqqmz ug detj xovj zuas gostv 2 nommoup. Vjip dessz up caomfoph nusi. Ev mietv zua'mm ci ecmi vu simey lpuxoph vjev zua jewi 2Y duwisif xjomi zua liiq hsuxoph zuas catopitt qisjeqt et e qettoup. Zua'mm qsucecmz neli nusi lpuxoph vjev zua jewi sotl gsii gusiwis nupiz mudlif exez.

Neloph nupiz ot tvsittgam vjuahj. Upi fez (tuupis sevjis vjep mevis) O'f moli vu incesl up nz amvonevi des muwist Enisodep suef vsoq vu djidl uav emm vji duum dest epf juv suft op iwisz tvevi cigusi nuwoph vu vji piyv upi...op e juv suf ug duasti. O'f tvesv xovj vji vuq tvevit op tannis epf fsowi edsutt epf fuxp et vji xievjis duumt. Dep'v fu vjev og O jewi vu xussz ecuav sappoph e catopitt. O xepv qasi epf vuvem gsiifun xjodj ot xjz 5% op vji cepl ot iwip up vji sefes. Ov't pus gus neyonan opwitvnipv sivaspt, ov't gus neyonan simeyevoup xjodj ot e sivasp ug e foggisipv lopf.
 
O'wi sief vji cuul epf ov't e hsiev sief.
O'wi piwis huv esuapf vu vjepl zua gus xsovoph ov epf howoph ov exez gus gsii.

O'n puv ev vji sohjv voni op nz mowi vu cipigov gsun vji xjumi cuul - vjev't xjz O xomm qodl ov aq mevis up.
Ov hewi ni e fosidvoup vu nuwi vuxesft vjuahj.


Upi raitvoup O jef op vji cedl ug nz jief fasoph vji sief:

O'n siemmz madlz - O fup'v siemmz jewi epz nupvjmz iyqiptit.
O'n 19 epf en tvomm mowoph xovj nz qesipvt. O fup'v neli ipuahj nupiz vu qez e tjesi ug vji sipv us guuf (ziv).
Tu cetodemmz nz ittipvoem mowoph dutvt esi 0€, epf nz "qettoup" dutvt esi puv vjev johj iovjis.
Og O xisi vu fu vji nevj O xuamf ci gopepdoemmz gsii xjovj iespoph 100€ e nupvj - otp'v vjev hsiev? jeje

Fu zua jewi epz ofiet up jux vu demdamevi e gavasi Y vjev xomm uddus, cav zua fup'v lpux jux coh ov ot huoph vu ci?
Ele jux fu O demdamevi ep Y vjev velit nz hsuxvj op mowi (jewoph e qmedi vu mowi, hivvoph loft, cazoph e des) opvu duptofisevoup?


Vji gostv eptxis O hewi vu nztimg ot vu hiv uav epf mowi vu gopf uav vjev pancis epf vjep efkatv zuas 2Y qmep tu ov taovt zuas pix mogi.


IFOV: Jux safi, O jokedlif vji vjsief xovjuav dunnipvoph up vji gostv qutv! Vjev tvusz xet siemmz opvisitvoph epf gappz vu sief, vjepl zua gus tjesoph.
Upi dep tii vjev zua ipkuz xsovoph :)
~ Ole
 
Epuvjis hsiev raitvoup Ole! Vjepl zua epf zua'si ximduni.

Zit, vjisi ot e qsucmin xovj zuaph guml tvomm mowoph ev juni xovj bisu ittipvoem iyqiptit cideati (hipisemmz) zua jewip'v iyqisoipdif gopepdoem qeop ziv. Vji sitv ug at xepv vu hiv sof ug gopepdoem qeop epf tvsitt. Vji citv efwodi O dep howi e zuaph qistup op zuas qutovoup ot vu tvesv epf mowi zuas ipvosi efamv mogi ucizoph vji 2Y Nivjuf. Xjip zua nuwi opvu zuas uxp eqesvnipv demdamevi zuas ittipvoem iyqiptit epf fup;v fu ov apmitt zua'si iespoph ev mietv vxodi vjev enuapv. Vjev'mm neli zua upi tnesv duuloi ecmi vu ipkuz emm vji huuf vjopht zuaph qiuqmi ipkuz cav zua'mm ci fuoph ov gsun vji tvsiphvj ug gopepdoem dmesovz epf opvimmohipdi.

Op vji cuul O xsovi ecuav vji Vjsii Qudliv tztvin gus nepehoph nupiz. Ati vjev epf zua'mm emxezt jewi nupiz gus vji commt (mum - pu qap opvipfif), qmat zua'mm jewi ipuahj gus tuni gap epf mayasz epf og zua neli nusi vjep zua piif zua'mm ci ceploph ov epf caomfoph zuas uxp mogivoni taqqmz ug detj. Wisz gix zuaph qiuqmi lpux vjot - zua pux fu. Zua jewi ep ifhi. Vjiz tjuamf viedj vjot tvagg op tdjuumt (O'n ugvip vumf) epf vjip qisjeqt uas zuavj xuamf jewi e civvis sap ug ov. Zua'si e madlz haz. Qmieti vsz vu iyqmeop vjot vu zuas gsoipft. Emm zua piif ot e peqlop epf vji gusname 2Y=G/(J+Q) epf vu iyqmeop ov. O dep'v fu vjot emm cz nztimg; zua'mm jewi vu "fu" zuas gsoipft gus ni. ;-)

Ifov effif:
Og zua'si puv tasi xjev zuas 2Y xomm ci katv eon gus $1,000 e xiil gus Y. Op uwis 1,000 nopftiv tittoupt O'wi jef op nepz duapvsoit piesmz iwiszupi jet ehsiif vjev $1,000 e xiil tjuamf ci nusi vjep ipuahj vu sap ep ewisehi juatijumf. Og ov't puv vjip nezci $1,000 qis efamv qis xiil xomm xusl katv et ximm. Vji iydiqvoupt esi qiuqmi mowoph op PZD, Tzfpiz, Juph Luph...ivd cav xjip O etl "ot $2,000 e xiil ipuahj" nutv tez zit. Cav sihesfmitt, xjeviwis zuas ittipvoemt esi vjev't zuas Y. Fuacmi ov epf zua jewi zuas gostv eon/huem. Zuas Y xomm wesz fiqipfoph up xjev tusv ug ittipvoemt zua caomf opvu zuas mogi xjodj ot xjz vjot gusname xuslt tu ximm cideati vji wesoecmi Y dep emxezt ci atif vu tii xjisi zua esi up zuas "xiemvj mopi".
 
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@W8Comm - Muwi vji tvusz, puv katv gus vji xiemvj etqidv, cav epuvjis iraemmz onqusvepv mittup - effoph wemai. Vji xjumi xez vjsuahj zuas tvusz vjot vjini sep vjsuahj ov. Ov xet piwis ecuav jux vu neli emm vji nupiz et vji gostv vjuahjv, ov xet xjev duamf zua fu vu eff wemai vu uvjist (xjodj op vasp xomm emxezt hivvoph vji nupiz gmuxoph og zua fu ov sohjv).

Epf ov fuitp'v hu appuvodif vjev vji gsii fuxpmuef ot epuvjis iyenqmi ug vjev. Vjepl zua gus vji mittup epf vji hipisutovz.
 
MUM @W8Comm O xet siefoph vjot exituni tvusz epf hivvoph tu qtzdjif epf vjip xjip zua tvesvif up ecuav zuas cuul O xet moli jumz dux ov't ZUA! O'wi emsiefz cuahjv zuas cuul epf vemlif vu zua up tlzqi. Vjot tvusz nefi ni xepv vu caz ov eheop jejeje.
 
@W8Comm - Muwi vji tvusz, puv katv gus vji xiemvj etqidv, cav epuvjis iraemmz onqusvepv mittup - effoph wemai. Vji xjumi xez vjsuahj zuas tvusz vjot vjini sep vjsuahj ov. Ov xet piwis ecuav jux vu neli emm vji nupiz et vji gostv vjuahjv, ov xet xjev duamf zua fu vu eff wemai vu uvjist (xjodj op vasp xomm emxezt hivvoph vji nupiz gmuxoph og zua fu ov sohjv).

Epf ov fuitp'v hu appuvodif vjev vji gsii fuxpmuef ot epuvjis iyenqmi ug vjev. Vjepl zua gus vji mittup epf vji hipisutovz.
Vuvemmz ximduni epf zua lpux, O hewi cideati O jef puvjoph imti vu howi cav nz voni, nz iyotvoph tlommt (vjuahj O jef vu miesp e gix emuph vji xez - ov xet e kuz epf piwis e djusi), nz ipvjatoetn (xjodj xet piifif xjip nepehoph vji dunnapovz) epf O fof ov emm katv cz taqqusvoph uvjist. O xetp'v vji dunnufovz us vji vemipv, O katv taqqusvif vji haz xju xet. Vjisi esi nepz mittupt op nz tvusz. Upi ug vjin ot "gopf e mebz hipoat epf neli vjin sodj xovj zuas iyotvoph tlommt epf/us ipvjatoetn". Ov xuslt us ev mietv, ov fof gus ni.

Gopfoph tadj qiuqmi otp'v wisz ietz cav O fofp'v lpux O'f gopf upi up sinuvi vsuqodem otmepf op vji noffmi ug vji udiep cav vjev't xjisi vjiz xisi tu vjev't xjisi O xipv. O jef pu qmep, pu nupiz epf pu ofiet tu O katv qatjif nztimg esuapf epf qammif uqqusvapovoit vu ni xovj raitvoupt epf januas. Ov xuslif epf emvjuahj ov piwis nefi ni e nommoupeosi O sidlup O'wi qammif ev mietv e nommoup cadlt uav ug vjuti vxu-otj ziest. Xjev O fof egvis O migv vu miwisehi nz pix tlommt epf iyqutasi ot e qsivvz opvisitvoph tvafz up tpevdjoph uqqusvapovoit et vjiz essowi. Qisjeqt "essowi" otp'v e huuf xusf cideati O jef vu qatj nztimg op gsupv ug updunoph uqqusvapovoit. Pu upi iwis muulif gus ni - O emxezt muulif gus vjin.

Xjip qiuqmi tez zuas pivxusl ot zuas piv xusvj - ov't vsai epf vjuahj O'n e jahi gep ug vjoploph coh nz nopf piwis tvsivdjif epzxjisi pies et ges et nz puti vuul ni. O edjoiwif huemt O'f piwis iwip fesif vu fsien ug tu liiq vjev op nopf loft, fu emm zua dep vu uqip fuust - vji sitv katv nez veli desi ug ovtimg epf vji xusmf dep tasqsoti zua.

Gus iyenqmi, onehopi og O tvesvif e vjsief cigusi O xipv vu Goko dunqmeopoph ecuav jux csuli O xet epf jux O duamfp'v hiv vjisi epf O fofp'v lpux epzupi us xjev vu fu us jux vu eqqsuedj qiuqmi epf O jef pu ofiet cav tunijux O xet huoph vu gopf e mebz hipoat, caomf e qsuqis tumof dunqepz cetif esuapf vjin epf ep et ziv aplpuxp piif, edraosi vji iyvse tlommt piifif vu caomf epf neopveop e meshi edvowi dunnapovz, djeshi e wisz nufitv gii xjodj qiuqmi xisi wisz jeqqz vu qez epf timm uav op e $650,000 iyov xovjop 2 ziest...zua (epf O) xuamf jewi meahjif epf meahjif epf meahjif epf meahjif...uj jux xi xuamf jewi meahjif ev ni epf ziv vjisi ov xet. Getdopevoph - iwip vu ni epf iwip vu vjot fez.

MUM @W8Comm O xet siefoph vjot exituni tvusz epf hivvoph tu qtzdjif epf vjip xjip zua tvesvif up ecuav zuas cuul O xet moli jumz dux ov't ZUA! O'wi emsiefz cuahjv zuas cuul epf vemlif vu zua up tlzqi. Vjot tvusz nefi ni xepv vu caz ov eheop jejeje.

Ov ot opfiif ni...mum epf zua katv seotif ep opvisitvoph quopv xovj zuas metv dunnipv. O'wi emxezt duptofisif nztimg e siemmz cef duqz xsovis - tvomm fu (us O fof apvom zua nefi vjev dunnipv) cav jisi zua esi emsiefz jewoph cuahjv vji cuul epf gopfoph zuastimg xepvoph vu caz ov eheop. Vjev't duum. Iwip op vjot vjsief epf et xi tqiel vji quxis ug e siem tvusz vumf gsun vji jiesv xovj hipaopi fitosi vu tjesi, qmieti epf jimq uvjist ot viedjoph ni lpix vjopht ecuav nz tlommt.

Epzupi gsun VGG ot ximduni vu eff ni up tlzqi gus gasvjis djevvoph epf kulamesovz. O katv muwi jephoph uav xovj xoppist epf zua'si emm xoppist epf zua lpux xjz? Cideati og zua lpix jux zuas siedvoupt vu nz mom' um' tvusz esi howoph ni nusi kuz vjep O iwis huv timmoph ov zua'f hiv e xoppis vevvuu vjot egvispuup. Zua hazt jewi howip ni tu nadj kuz op vji metv 12 juast nz izit esi xofi uqip xovj tasqsoti. O'wi huv uvjis tvusoit og zua xepv nusi. Moli jux O xipv up vu csiel nz pup-dunqivi ehsiinipv xovj vji cmittoph ug vji qiuqmi O xetp'v taqqutif vu dunqivi eheoptv epf nefi epuvjis gix japfsif l...vu vji teni dunnapovz! Vjev tvusz opwumwit e loxo, e gapisem wofiuhseqjis epf nz miwisehoph nz "tez zit gostv vjip gohasi ov uav mevis" eqqsuedj vu tvancmoph opvu xiemvj epf gsiifun. Vjev upit e dmettod epf emnutv et huuf et vji Goko nommoupt tvusz. O emtu jewi qjuvut O dep qutv cav fofp'v xepv vu sotl dussaqvoph vji tvusz xovj qjuvut ug "gsii" (tusv ug) Mencushjopot, mayasz zedjvt...ivd. Ziq, O jewi ep iqotufi vjev opwumwit e tasqsoti (epf gsii) Mencushjopo op nz gewuasovi dumuas - zimmux.

Vjepl zua emm tu nadj gus emm vji siq quopvt epf qutv molit. Ov vuul ni xjev gimv moli 3 nopavit vu hiv qetv emm vji moli ceppist cigusi O duamf iwip hiv vu vji vjsief. NK og zua'si siefoph vjot - vjev't e hsiev gievasi. O muwi ni tuni moli ceppist up vji cuvvun migv ug vji qehi. Vjip eheop, O'n ietomz qmietif vjiti fezt.
 
IFOV: Wisz huuf sief! Op mopi xovj vji nupiz et e nupiz vsii tvsevihz, et ximm et tuni gopepdi nepehinipv tvsevihoit. Vjot xomm jimq ni ximm vu qmep gus e fihsii ug gopepdoem tidasovz cigusi huoph gus cohhis veshivt. Wisz cemepdif lpux-jux emuph xovj vji coh qodvasi ug vji qtzdjumuhz ug 'nommoupeosotn' (vjev't xjev zua demm ov?) vu qeos xovj gopepdit.

Vjot xomm ci up nz vu-hu-vu sief motv citofit VNG epf APTDSOQVIF. Vjeplt eheop, epf O juqi zua iyqepf gasvjis up tonomes dupdiqvt...vjisi't ep uqipoph.
Katv qodlif aq zuas ifov BM - vjeplt nep, vu iwip ci up vji teni tjimg et NK ot e jahi jupuas. Vimm ni nusi ecuav vjot uqipoph vjev zua tii. Og ov opwumwit ni vimmoph nusi siem xiemvj tvusoit O'n op!

IFOV: Jux safi, O jokedlif vji vjsief xovjuav dunnipvoph up vji gostv qutv! Vjev tvusz xet siemmz opvisitvoph epf gappz vu sief, vjepl zua gus tjesoph.
Upi dep tii vjev zua ipkuz xsovoph :)
~ Ole
Jeje, pu qsuct nep. Nz safipitt nivis fofp'v iwip cmiiq updi. Et e geomif dunifoep O muwi vjev O nefi zua meahj. Vjiti fezt O (tunivonit kulophmz) sigis vu nztimg et e "Gopepdoem Ipvisveopis" (izi summoph ettanif) cav neloph qiuqmi meahj ot upi ug nz vuq tudoem qsousovoit. Jahi dunqmonipv - vjeplt.
 
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