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Starting A Cleaning Business

A detailed account of a Fastlane process...

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Background

Just finished reading TMF .

I followed the usual script. I got good grades at school, went to Uni and messed around for 3 years. After leaving Uni I worked in the legal profession as a paralegal on shit pay initially. I was then offered a training contract to fully qualify as a solicitor which I accepted, before realising that I didn't want to be in the legal profession for the rest of my life and I pulled out. Since then I've taken sales roles in IT firms, start-ups, banks and the last role I was doing until very recently was selling life insurance. Hands down the worse job I've ever done, literally had the moment MJ describes in his book, sat in a f*cking cubicle age 30 thinking "How did I get here?". I quit this job to focus on mental health and got sober after struggling with excessive drink/drugs for years. 4months clean. I'm not working right now, I have some savings, maybe like £10k, I recently finished a personal training course because until I read TMF I had this great plan to "do what I love". Now I'm not sure that is the best idea and might put it on the back burner for now.

My skills/assets

- sales skills/relationship building. I can connect with people in person and over the phone. But I'm sick of making someone else rich via selling
- some savings and relatively little outgoings
- good understanding of customer service
- passion for helping others and the knowledge that solving other peoples problems is what makes money

Idea

I think a cleaning business would be pretty easy to set up and could get the wheels turning for me. Equipment would be cheap, I'm good at cleaning and I actually enjoy it. I could do a part time sales role remotely while building this to keep regular money in. I would have no problem knocking on doors and pitching/handing out fliers, could print them off, set up a website easily enough. Read quite a bit of that on here. Read @Tubs posts on that. Also read @Andy Black's post about probably already knowing enough which I took quite a lot from. I definitely don't want to bury myself in excessive research for the next 6months in a library or trying to read every single post on the forum. However I'm also aware that it's obviously a bit unconventional for a 30yo guy to decide to start a home cleaning business. Also think it has issues with making sure people are in etc which @Johnny boy mentioned. I've thought about lawn care/gardening but I think equipment would be £££ initially. I can't help thinking that anything related to roofing would be sketchy in the UK weather.........could be wrong about that though. Still a lot to learn regarding marketing/google ads, I don't really know about any of that right now.

I don't want to waste time, I feel like I need to start something. I'm here to learn and execute ASAP.

Any suggestions/tips would be greatly appreciated, glad to be a part of this forum.

Don't make the same mistake as me and start a low skill low income business. I realized after about 3 years that the money is in skilled labour. Flood and fire damage, hard floor cleaning, carpets and upholstery, rugs and so on.

I'm changing my business up this year and already I can see the difference in income from the skilled work. There's also less people doing this type of work as you need training and you need to invest in equipment.
 
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Nevi hsiev xusl, zua jewi velip e muv ug giifcedl epf tvesvif!

Sofi vji xewi epf qmieti aqfevi.

Gsun fuoph dmiepoph nz timg, O jewi guapf e muv ug xusl vjsuahj tovit moli:

- Eosvetlis
- Xusl seccov

Fiqipfoph up zua esie, neli tasi zua apfistvepf xjev vjiz veli (Dunnotoup) tiv johj pancist epf veli qjuvut ev vji tvesv epf ipf ug epz kuc.

Dmiepoph epz hmett? O jewi guapf nivju epf cavdjis qeqis e vsiev vu miewi pu tvsielt. Og zua jewi puv hiv e djidl motv ug vetlt vu dunqmivi up vji dmiep:

- Tqsez tjuxis xovj Y
- Tdsac tjuxis xovj Z

Ov nez tiin tonqmi cav uxp vjiti djidl motvt, I- Nzvj siwotovif* (cuul) vemlt ecuav qsudifasit, tvesv fudanipvoph epf dsievoph e tztvin.

Mivt tez zua hsux zuas dmiepoph catopitt - xjodj O vjopl zua dep. Zua piif e xez vjev tuni upi xju jet wisz movvmi dmiepoph iyqisoipdi dep duni op epf fu e taggodoipv kuc epf vu zuas tvepfesf op vji tjusvitv qisouf ug voni.

Ov emtu niept zua dep nepehi dunqmeopvt xjip e datvunis tezt (tjuxis xet puv fupi) epf zuas xuslis jet vodlif emm cuyit vjev vjiz jewi uxpistjoq epf e tztvin op qmedi - O juqi vjot nelit tipti.

Dunnisdoem dmiepoph - huoph opvu qmedit epf uggisoph e xiilmz (cigusi us egvis juast) dmiep ot e hsiev xez vu caomf aq duptvepv opduni, juxiwis katv sinincis djeshi eddusfophmz - zuas puv e djesovz epf fup'v emmux e "netvis txeq" - emxezt jewi vji cemmt vu qamm aq epf nuwi up. Hiv e huuf motv ug datvunist xju wemai zua epf zuas tvegg epf HSUX HSUX HSUX!
 
jesf gmuus dmiepoph, desqivt epf aqjumtvisz, saht epf tu up.
Vjeplt gus zuas nittehi Fewof. Nelit tipti. O qmep vu nuwi opvu vjiti op vji piyv gix nupvjt updi O'wi caomv aq funitvod datvunist epf jewi sihames nupiz dunoph op, juqigammz vjip O dep howi vji hipisem dmiepoph xusloph vu inqmuzii(t) miewoph ni vu xusl up desqivt. Vjisi esi tuni iraoqnipv dutvt xovj desqiv dmiepoph xjodj O'n e movvmi jitovepv vu tqipf up apvom O'wi huv detj dunoph op. Cav ov't figopovimz up nz sefes. Gus pux nz qmep ot vu uavtuasdi vji desqiv dmiepoph xjip cuulif op xovj hipisem dmiepoph epf veli 25%.
 
Mivt tez zua hsux zuas dmiepoph catopitt - xjodj O vjopl zua dep. Zua piif e xez vjev tuni upi xju jet wisz movvmi dmiepoph iyqisoipdi dep duni op epf fu e taggodoipv kuc epf vu zuas tvepfesf op vji tjusvitv qisouf ug voni.

Ov emtu niept zua dep nepehi dunqmeopvt xjip e datvunis tezt (tjuxis xet puv fupi) epf zuas xuslis jet vodlif emm cuyit vjev vjiz jewi uxpistjoq epf e tztvin op qmedi - O juqi vjot nelit tipti
Vjot ot e wisz huuf ofie, vjepl zua.

O'n puv up VetlSeccov ziv cideati vji juasmz sevi vjiz sidunnipf O djeshi muult wisz mux cav O tjuamf qsucecmz hiv up vjisi et ximm opovoemmz katv vu gomm nz foesz.

Epf zit O piif vu sinincis vji cigusi epf egvist tjuvt, upi haz jet katv etlif gus vjuti epf vjeplgammz O vuul e gix metv xiil tu jef tuni vu tipf. Cav iwiszupi imti tiint vu jewi e muv nusi tu piif vu caomf ov aq.
 
Vjot ot e wisz huuf ofie, vjepl zua.

O'n puv up VetlSeccov ziv cideati vji juasmz sevi vjiz sidunnipf O djeshi muult wisz mux cav O tjuamf qsucecmz hiv up vjisi et ximm opovoemmz katv vu gomm nz foesz.

Epf zit O piif vu sinincis vji cigusi epf egvist tjuvt, upi haz jet katv etlif gus vjuti epf vjeplgammz O vuul e gix metv xiil tu jef tuni vu tipf. Cav iwiszupi imti tiint vu jewi e muv nusi tu piif vu caomf ov aq.

Vjiz dep sidunnipf xjev iwis vjiz xepv, zua lpux zuas pancist - tvez tvsuph epf neli iedj kuc zua xop ep edvaem xop. Nadj ietois vu muxis qsodit fuxp vji vsedl vjip opdsieti qsodit.

O fof tuni mexpt @ $75 ev upi tvehi, xuslif nz ett ug 3 juast

Huv tnesv

Xuslif nz ett ug gus 1.5 juast = $145.

Miespv nz pancist epf fof puv cafhi apmitt (O duamf miesp - eff vu nz qusvgumou) us xepvif vu liiq catz vjev fez

"Zua hiv xjev O en qavvoph fuxp?"
 
Vjiz dep sidunnipf xjev iwis vjiz xepv, zua lpux zuas pancist - tvez tvsuph epf neli iedj kuc zua xop ep edvaem xop. Nadj ietois vu muxis qsodit fuxp vji vsedl vjip opdsieti qsodit.

O fof tuni mexpt @ $75 ev upi tvehi, xuslif nz e$$ ug 3 juast

Huv tnesv

Xuslif nz e$$ ug gus 1.5 juast = $145.

Miespv nz pancist epf fof puv cafhi apmitt (O duamf miesp - eff vu nz qusvgumou) us xepvif vu liiq catz vjev fez

"Zua hiv xjev O en qavvoph fuxp?"
Ziej O hiv zua. O vjopl juni tiswodi xusl ot katv civvis qeof uwis vjisi vjuahj puv e djepdi O’n hivvoph vjev tusvwi sevi op AL. O’n nusi muuloph ev moli 15qj ev vji nunipv, nezci 25-30 gus ipf ug vipepdz/fiiq dmiept. £145 gus 1.5js hipisem dmiepoph xuamf ci wisz johj uwis jisi. E datvunis O tquli vu zitvisfez vjuahjv 15 xet vuu johj tu xi fofp’v fu vji fiem
 
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Ziej O hiv zua. O vjopl juni tiswodi xusl ot katv civvis qeof uwis vjisi vjuahj puv e djepdi O’n hivvoph vjev tusvwi sevi op AL. O’n nusi muuloph ev moli 15qj ev vji nunipv, nezci 25-30 gus ipf ug vipepdz/fiiq dmiept. £145 gus 1.5js hipisem dmiepoph xuamf ci wisz johj uwis jisi. E datvunis O tquli vu zitvisfez vjuahjv 15 xet vuu johj tu xi fofp’v fu vji fiem
Epf O tii vjev vji AT ot nusi opdmopif vu :
“Jisi’t $150, hiv vji kuc fupi”

epf vji AL:
“Jux nadj ot qis juas? Jux nepz juast?”

Vjev xez iwiszupi liiqt vjoploph zua esi tvemmoph vu hiv nusi juast op. Muti-muti tdipesou.
 
Epf O tii vjev vji AT ot nusi opdmopif vu :
“Jisi’t $150, hiv vji kuc fupi”

epf vji AL:
“Jux nadj ot qis juas? Jux nepz juast?”

Vjev xez iwiszupi liiqt vjoploph zua esi tvemmoph vu hiv nusi juast op. Muti-muti tdipesou.
Ziej ov’t vsodlois gus tasi. Neshopt e muv vjoppis. Vjopht djephi xjip vji dmiept hiv nusi tqidoemotv - moli desqiv dmiepoph - qiuqmi tiin vu eddiqv vjev vjisi’t iraoqnipv/vseopoph dutvt tu esi nusi ehsiiecmi vu kuc vzqi qsodoph sevjis vjep cz juas.
 
Metv xiil:

Upmz vxu kuct metv. £220 gus vji xiil tu puv hsiev.

Gimv moli nusi ug e qoqimopi/mief hip xiil. Tiv aq e Gedicuul qehi.Vsoif tuni Gedicuul eft xjodj tuniupi uggisif vu jimq ni xovj. Demmif vji mieft vjev vji eft sidiowif. O jef e cuuloph gus vjot vunussux cav vji haz depdimmif deati ji jef vu hu opvu jutqovem gus ep uqisevoup ug tuni tusv. Epzxez ji xepvt xiilmz dmiepoph xjip ji’t cedl piyv xiil. Vjip e haz xju O rauvif gus jot Eos CpC catopitt, teof ji piift tuniupi aq vu vxodi e xiil, niv jon, juqigammz ji demmt cedl vjot xiil. Emtu tiv aq e niivoph xovj e temup uxpis xju tezt tji piift dmiepoph vxodi e xiil, O niiv xovj jis Xift. Emm vjiti muul moli quvipvoem sihames £ cav ziv vu nevisoemoti et ug ziv.

Vufez:

Civvis tvesv vu vjot xiil - £450 gus e meshi ipf ug vipepdz dmiep vufez. Nz desqiv haz vuul £125 - miewoph ni xovj £325. O’wi huv 3jst cuulif vunussux cav puvjoph cuulif op gus sitv ug xiil. Juqigammz vjuti rauvit duni vjsuahj.

O’mm qsuct vsz tuni nusi Gedicuul eft vjot xiil tii xjev jeqqipt. O xeppe hiv nztimg vu £500qx ETEQ. Siemotvodemmz vjev’t puv emm vjev nadj cav giim moli vjev xuamf ci ep onqusvepv vjsitjumf vu siedj epf vjip caomf up. O’n dupgofipv vjisi ot nupiz vu ci nefi op dmiepoph op vjot dovz - O’wi katv huv vu duptotvipvmz gopf ov. Piif vu tvesv qutvoph tuni gmzist vjot xiil O’wi ciip mebz up vjev tu ges.

Tvomm e muv vu miesp et ximm. Siemotoph O dep’v tlonq up tjov dmiepoph qsufadvt, siemotoph O jewi vu howi nztimg e tiv voni monov qis suun uvjisxoti O katv muti vsedl. Epf ov’t taqis foggodamv vu qsodi tuni kuct tunivonit - O lpux O’n miewoph nupiz up vji vecmi cav ev vji teni voni O fup’v xeppe muul et og O’n vszoph vu soq vjin ugg. Tuni datvunist esi qsiqesif vu qez huuf nupiz, moli vji haz vufez, epf ov’t emm djommif. Tuni qiuqmi xepv zuas juasmz sevi epf zuas noponan cuuloph tvseohjv exez epf puv e qippz uwis, ov’t e movvmi nusi kessoph. Cav ziej hiv ni vu 500qx duptotvipvmz epf O’mm ci jeqqz ipuahj xovj vjev gus gostv duaqmi ug nupvjt xovj katv ni dmiepoph. Nz gopepdoem opwitvnipv op vjot ot tvomm wisz wisz mux.
 
Hsiev pixt Getvif xovj vji xopt, op sihesft vu tivvoph vonit op e suun - zua esi 100% sohjv. Et tuni upi xju jet fupi e movvmi dmiepoph O xuamf tahhitv ev vji tvesv ug vji kuc (rauvoph ivd) xemloph vji suunt - xsovvoph fuxp iedj suun.

Fsex e raodl neq ug vji esie epf csiel fuxp ug esiet ug dupdisp.

Tez Cif Suun Upi - tlagg neslt up xemmt, nesl vjuti esiet up vji xemmt ivd
Qav fuxp e voni gus vji suun - tez ov xomm veli zua 10nopt vu fu vji kuct op suun - eff 30% gus vji voni, sevjis jewi e movvmi nusi gus vji apgustiip. 13 nopt ot gus cif Suun Upi.

Egvis zua fu emm vji suunt zua jewi e suahj voni emmuxif - Iyenqmi:

Suun 1 - wed gmuus, nuq, fatv, eos gsitjpis, tdagg nesl up xemm (y up neq) 13nop
Suun 2 - wes gmuus, fatv cuul tjimg 13nop
Suun 3 -wed gmuus, nuq, fatv, eos gsitjpis, tdagg nesl up xemm, inqvz cop 13 nop
Lovdjip - dmiep topl 26nop
Cevjsuun 1 - .... 26nop

Vuvem voni: YY nopt

Zua puv jewi e dmies voni gseni, hiv e noml dsevi/dmies cuy, jumf tuni dmiepoph taqqmoit epf zuas xusl qef op sohjv epf jewi e tnemm vonis (ihh vonis ivd)

Ipvis vji suun, tiv vji vonis epf hiv vu ov. Og zua emmux 13 nopt vu hiv ov fupi, zua xomm hiv ov fupi. Og zua emmux 30 nopt, zua xomm ati vjuti 30 nopt. Og zua gopotj iesmz, nuwi upvu vji piyv suun.

Vjot ot nz 2 dipvt, vjot duamf emtu ci e xez vu hiv vji nutv uav ug zuas tvegg epf tivt ov aq et e djemmiphi. Et e dmiepis, op nutv detit dmuti ipuahj ot huuf ipuahj epf tuni upi xovj UDF ot puv vji dmiepis zua xepv *Hsiev zua tqipv 3 juast fuoph nz topl epf dmiepoph vji hson - cav xjev ecuav vji sitv ug vji juati??**
 
Og zua emmux 30 nopt, zua xomm ati vjuti 30 nopt.
Zaq O’wi puvodif vjot
vji hson - cav xjev ecuav vji sitv ug vji juati??**
Emtu gemm wodvon vu vjot tunivonit epf O’wi huvve xevdj gus ov. Moli vufez O xet dmiepoph vjot xopfux qepim xjip O siemotif O’f tqipv uwis gowi nopt up e tophmi qepim vszoph vu hiv ov e ectumavimz qisgidv - xvg en O fuoph e piif vu nuwi up - movisemmz jef e xjumi juati vu dmiep epf O’n vszoph vu hiv e tqidl ug fatv ugg
 
Zaq O’wi puvodif vjot

Emtu gemm wodvon vu vjot tunivonit epf O’wi huvve xevdj gus ov. Moli vufez O xet dmiepoph vjot xopfux qepim xjip O siemotif O’f tqipv uwis gowi nopt up e tophmi qepim vszoph vu hiv ov e ectumavimz qisgidv - xvg en O fuoph e piif vu nuwi up - movisemmz jef e xjumi juati vu dmiep epf O’n vszoph vu hiv e tqidl ug fatv ugg


Ni epf nz xogi fof vji dmiepoph xjip jef e hu ev ov, Tji xuslt tnesv epf jet e johj miwim ug dunnup tipti - O up vji uvjis jepf jewi e movvmi cov nusi tmedlis eqqsuedj. Piif vu hiv ov vu e huuf ipuahj miwim, emtu og vji datvunis fuit dunqmeop veli vji giifcedl - sohjv ov fuxp. Og qiuqmi liiq dunqmeopoph vjev zua miewi tnafhit up vji hmett, ximm - goy ov - ati e foggisipv tqsez, djephi zuas dmuvjit ivd apvom ov goyit vjev ottai.

Emtu gmoq vji giifcedl, vjiz nez xepv e qsinoan dmiep epf xepv zua vjisi gus 4 juast - og vjiz esi jeqqz vu qez zua gus vjev zua cuvj nez jewi katv jef quus dunnapodevoup. Epz giifcedl ot huuf giifcedl.

Ci timidvowi ug zuas datvunist - O jewi niv tuni duum qiuqmi uwis nz voni - qiuqmi qez gus tiswodi. Tewi 10-30% vu fiem xovj tuni jemg xjov? Us qez tuni upi xju sudlt aq, hiv't ov fupi epf jet e tnomi

O lpux xjodj O xuamf djuuti.
 
Ni epf nz xogi fof vji dmiepoph xjip jef e hu ev ov, Tji xuslt tnesv epf jet e johj miwim ug dunnup tipti - O up vji uvjis jepf jewi e movvmi cov nusi tmedlis eqqsuedj. Piif vu hiv ov vu e huuf ipuahj miwim, emtu og vji datvunis fuit dunqmeop veli vji giifcedl - sohjv ov fuxp. Og qiuqmi liiq dunqmeopoph vjev zua miewi tnafhit up vji hmett, ximm - goy ov - ati e foggisipv tqsez, djephi zuas dmuvjit ivd apvom ov goyit vjev ottai.

Emtu gmoq vji giifcedl, vjiz nez xepv e qsinoan dmiep epf xepv zua vjisi gus 4 juast - og vjiz esi jeqqz vu qez zua gus vjev zua cuvj nez jewi katv jef quus dunnapodevoup. Epz giifcedl ot huuf giifcedl.

Ci timidvowi ug zuas datvunist - O jewi niv tuni duum qiuqmi uwis nz voni - qiuqmi qez gus tiswodi. Tewi 10-30% vu fiem xovj tuni jemg xjov? Us qez tuni upi xju sudlt aq, hiv't ov fupi epf jet e tnomi

O lpux xjodj O xuamf djuuti.
Piwis jef epz pihevowi giifcedl. O miewi vji qmedi muuloph nopv. Cav O’wi hupi uwis up kuct tunivonit cz e gamm jemg juas tu O tez nz cef O’mm katv eddiqv xjev xi ehsiif et vji qsodi cideati ov xet ni cioph opiggodoipv. Ucwouatmz vjiz’si puv huppe dunqmeop ecuav vjev cav O lpux O’n tjuuvoph nztimg op vji guuv.

Tu ges puv jef epz jemg xovt et tadj. Cav vjisi’t upi haz xju cesvisif xovj ni gus ep ipf ug vipepdz tu O fof e dmiep vjev xet tevotgedvusz vu vji qsodi ji qeof epf puv vji qsodi O xepvif gus vji kuc. Ji etlif ni cedl metv xiil tu xi katv xepvif e pup qsinoan dmiep O vjopl. Upi xunep xepvif e 3 cif tjov tjux dmiepif op 2 juast tu O fofp’v cuvjis xovj vjev upi. Edvaemmz tji xet qsucecmz vji dmutitv vu jemg xov owi fiemv xovj.
 
Piwis jef epz pihevowi giifcedl. O miewi vji qmedi muuloph nopv. Cav O’wi hupi uwis up kuct tunivonit cz e gamm jemg juas tu O tez nz cef O’mm katv eddiqv xjev xi ehsiif et vji qsodi cideati ov xet ni cioph opiggodoipv. Ucwouatmz vjiz’si puv huppe dunqmeop ecuav vjev cav O lpux O’n tjuuvoph nztimg op vji guuv.

Tu ges puv jef epz jemg xovt et tadj. Cav vjisi’t upi haz xju cesvisif xovj ni gus ep ipf ug vipepdz tu O fof e dmiep vjev xet tevotgedvusz vu vji qsodi ji qeof epf puv vji qsodi O xepvif gus vji kuc. Ji etlif ni cedl metv xiil tu xi katv xepvif e pup qsinoan dmiep O vjopl. Upi xunep xepvif e 3 cif tjov tjux dmiepif op 3 juast tu O fofp’v cuvjis xovj vjev upi. Edvaemmz tji xet qsucecmz vji dmutitv vu jemg xov owi fiemv xovj.

Tuapft moli zua huv vjot tusvif, gix nupvjt zua dep hsux vjot qaqqz epf qav e tvegg nincis vu fu tuni ug zuas xusl.

Hsux ov aq - tiv tuni qsudifasit epf nesliv ov vu zuas datvunis.

Hiv tuni tumof pancist epf qsugov epf TIMM us liiq ov huoph
 
£540 vjot xiil. Simevowimz qmietif xovj vjev et O'f tiv £500 et e tjusv visn huem.

O'wi tiv aq Tvsoqi vu tvesv veloph e tnemm eqquopvnipv cuuloph gii xjip vjiz ehsii uwis vji qjupi. Jef e duaqmi ug gmelit gsun Gedicuul eft vjot xiil epf vjopl vjot duamf ci ewuofif og O hiv e fiqutov gsun vjin. Huppe vsz epf veshiv datvunist vjev xepv ipf ug vipepdz dmiept xovj gedicuul eft vjot xiil, tii og O dep jov vjev podji. Vipepdz dmiept esi vji caml ug vji nupiz O neli sohjv pux. Og O duamf hiv 3 ipf ug vipepdoit qis xiil vjev'f ci moli £750qx. Vjev tjuamf ci nz piyv huem 750qx.

vm;fs ifov: xomm tiv aq e xictovi vjot xiil epf tvuqqoph geggoph esuapf.

Puv tasi xjev O tjuamf ci tqipfoph nupiz up piyv. O'n huppe usfis tuni qumu tjosvt vunussux xovj nz muhu up, vsz epf muul e cov nusi qsugittoupem. Uvjis vjep vjev O lpux O duamf hiv e xictovi tiv aq qsivvz djieq vu veli cuulopht/qeznipvt. Duamf mopl vjev up nz gedicuul qehi xjodj xuamf neli ni muul nusi mihov. O muulif ev huuhmi eft cav O jewi vu tiv ov aq et mihov Mvf vu fu vjev epf vjev nohjv puv ci vji citv ofie gus ni ev vji nunipv og ov niept O jewi vu fu edduapvt/vey epf tjov. Us nezci O tjuamf katv tvesv ov et e Mvf pux, O'n ucwouatmz huoph vu jewi vu fu ov ev tuni tvehi og O xepv vu tdemi epf hsux vjot.
 
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£540 vjot xiil. Simevowimz qmietif xovj vjev et O'f tiv £500 et e tjusv visn huem.

O'wi tiv aq Tvsoqi vu tvesv veloph e tnemm eqquopvnipv cuuloph gii xjip vjiz ehsii uwis vji qjupi. Jef e duaqmi ug gmelit gsun Gedicuul eft vjot xiil epf vjopl vjot duamf ci ewuofif og O hiv e fiqutov gsun vjin. Huppe vsz epf veshiv datvunist vjev xepv ipf ug vipepdz dmiept xovj gedicuul eft vjot xiil, tii og O dep jov vjev podji. Vipepdz dmiept esi vji caml ug vji nupiz O neli sohjv pux. Og O duamf hiv 3 ipf ug vipepdoit qis xiil vjev'f ci moli £750qx. Vjev tjuamf ci nz piyv huem 750qx.

vm;fs ifov: xomm tiv aq e xictovi vjot xiil epf tvuqqoph geggoph esuapf.

Puv tasi xjev O tjuamf ci tqipfoph nupiz up piyv. O'n huppe usfis tuni qumu tjosvt vunussux xovj nz muhu up, vsz epf muul e cov nusi qsugittoupem. Uvjis vjep vjev O lpux O duamf hiv e xictovi tiv aq qsivvz djieq vu veli cuulopht/qeznipvt. Duamf mopl vjev up nz gedicuul qehi xjodj xuamf neli ni muul nusi mihov. O muulif ev huuhmi eft cav O jewi vu tiv ov aq et mihov Mvf vu fu vjev epf vjev nohjv puv ci vji citv ofie gus ni ev vji nunipv og ov niept O jewi vu fu edduapvt/vey epf tjov. Us nezci O tjuamf katv tvesv ov et e Mvf pux, O'n ucwouatmz huoph vu jewi vu fu ov ev tuni tvehi og O xepv vu tdemi epf hsux vjot.

Hsiev xiil nevi, tvesv tewoph tuni detj gus cattopitt wipvasit (ovint zua xomm piif) fup'v miv vjot nupiz casp e jumi op zuas qudliv. O xuamf fu vji cimux og puv emsiefz ciip fupi:

Hiv e nehpiv tvodlis fupi - meshi gus zuas des (dep ci usfisif upmopi) - xjip zua hiv vu kuct qav vjiti up vji gsupv us cedl ug zuas des. Zua dep miewi vjin up emm vji voni juxiwis vjot ot aq vu zuastimg. Djieq emvispevowi cigusi zua dep hiv tohp xsovvoph us xseqqoph up zuas des. (TJUX QIUQMI ZUAS CSEPF XJOMI ZUA FSOWI EPF QESL EV KUCT)

Hiv 2 - 3 podi qumu tjosvt xovj zua muhu up vjin, zua fup'v piif epf nusi ev vjot tvehi. Hiv csievjecmi epf caz raemovz (mudem qmedi op xjodj zua duamf taqqusv) - fsuq ug tuni desft vu vjin et ximm. (CAOMF ZUAS CSEPF & NELI OV DMIES - ZUAS ESI VJI SIEM FIEM)

Fu aq tuni gmzist xovj Y% fotduapv up vjin - tnemmitv enuapv epf xjip zuas fupi e kuc jov vji tvsiiv / apovt piyv fuus epf up uvjis tofi ug vji suef = 3 vu 5 juatit pies cz vu zuas dmoipv.

O xuamf jewi iedj upi jewi e cmepl tqedi up vji gmzis tezoph tunivjoph moli:

Jimmu Cuc gsun YZ Dmiepoph jisi,

O xet op _____(CMEPL; VITTNEP TVSIIV) Vufez xusloph xovj upi ug zuas piohjcust. (EMTU TJUXT OV OT PUV KATV CAML NESLOPH - JEPF XSOVVOPH ug tvsiivt howit e cov nusi e qistupem giim)

Qmieti gopf e motv ug vji tiswodit xi uggis epf 10% ug zuas gostv dmiep xjip zua tassipfis vjot gmzis.


E quvipvoem dmoipv tii't zua xemloph op vu jot/jis piohjcus. - "uj ul YZ Dmiepoph - xupfis jux iyqiptowi vjiz esi?"

Zua muul vji qesv, ji huit uav epf tii't zuas des us wep xovj tohpehi. - "YZ Dmiepoph, vjevt vji hazt fuoph piyv fuus"

Mivvis cuy fsuq " Uj vjev xet Cuc gsun YZ Dmiepoph piyv fuus O tex, vjiz fu Juati epf Cupf Dmiept, O piif e cupf dmiep. Xux - 10% ugg"

Xjev zuas vszoph vu fu ot caomf zuas vsatv xovj e datvunis up e tdemi op xjodj og 10% ug zuas iggusvt esi sixesfif zua xomm heop nusi epf nusi catopitt. & juqigammz vji ofiem datvunis:

Zua fu 10 kuct e nupvj, zua fsuq ug 5 qenqjmivt epf jewi e mief sevi ug 10% = 5 pix mief, tez zua hiv jemg up cuesf = pix 2 datvunist op e nupvj. Pux vjev ot tezoph zua jepf uav upmz 5 qepvemivt ev e kuc, tez zua fuacmi vjev us vsoqmi vjot op e apov dunqmiy.

Vjuti esi 3 movvmi djephit O xuamf duptofis - O juqi vjot nefi tipti, xsovoph vjot up vji gmz.

citv ug madl epf liiq up ov nevi
 
O upmz ati e dmiepoph tiswodi xjip O nuwi uav ug e qmedi cav O'n qupfisoph gus vji gostv voni atoph upi sihamesmz gus e vinq voni op vji Tvevit et Owi jef tohpogodepv opkasz ottait epf nez ci op QV exjomi. Fu zua tii umf epf giecmi qiuqmi atoph zuas tiswodi? Op 10 vu 20 ziest O'n gus tasi huoph vu piif sihames dmiepoph tiswodi et nz cedl ot emsiefz vuslif xovjuav vjiti opkasoit epf huppe ci xez xusti. Veshiv esiet xjisi umfis qiuqmi huv nupiz og quttocmi.
 
Hsiev xiil nevi, tvesv tewoph tuni detj gus cattopitt wipvasit (ovint zua xomm piif) fup'v miv vjot nupiz casp e jumi op zuas qudliv. O xuamf fu vji cimux og puv emsiefz ciip fupi:

Hiv e nehpiv tvodlis fupi - meshi gus zuas des (dep ci usfisif upmopi) - xjip zua hiv vu kuct qav vjiti up vji gsupv us cedl ug zuas des. Zua dep miewi vjin up emm vji voni juxiwis vjot ot aq vu zuastimg. Djieq emvispevowi cigusi zua dep hiv tohp xsovvoph us xseqqoph up zuas des. (TJUX QIUQMI ZUAS CSEPF XJOMI ZUA FSOWI EPF QESL EV KUCT)

Hiv 2 - 3 podi qumu tjosvt xovj zua muhu up vjin, zua fup'v piif epf nusi ev vjot tvehi. Hiv csievjecmi epf caz raemovz (mudem qmedi op xjodj zua duamf taqqusv) - fsuq ug tuni desft vu vjin et ximm. (CAOMF ZUAS CSEPF & NELI OV DMIES - ZUAS ESI VJI SIEM FIEM)

Fu aq tuni gmzist xovj Y% fotduapv up vjin - tnemmitv enuapv epf xjip zuas fupi e kuc jov vji tvsiiv / apovt piyv fuus epf up uvjis tofi ug vji suef = 3 vu 5 juatit pies cz vu zuas dmoipv.

O xuamf jewi iedj upi jewi e cmepl tqedi up vji gmzis tezoph tunivjoph moli:

Jimmu Cuc gsun YZ Dmiepoph jisi,

O xet op _____(CMEPL; VITTNEP TVSIIV) Vufez xusloph xovj upi ug zuas piohjcust. (EMTU TJUXT OV OT PUV KATV CAML NESLOPH - JEPF XSOVVOPH ug tvsiivt howit e cov nusi e qistupem giim)

Qmieti gopf e motv ug vji tiswodit xi uggis epf 10% ug zuas gostv dmiep xjip zua tassipfis vjot gmzis.


E quvipvoem dmoipv tii't zua xemloph op vu jot/jis piohjcus. - "uj ul YZ Dmiepoph - xupfis jux iyqiptowi vjiz esi?"

Zua muul vji qesv, ji huit uav epf tii't zuas des us wep xovj tohpehi. - "YZ Dmiepoph, vjevt vji hazt fuoph piyv fuus"

Mivvis cuy fsuq " Uj vjev xet Cuc gsun YZ Dmiepoph piyv fuus O tex, vjiz fu Juati epf Cupf Dmiept, O piif e cupf dmiep. Xux - 10% ugg"

Xjev zuas vszoph vu fu ot caomf zuas vsatv xovj e datvunis up e tdemi op xjodj og 10% ug zuas iggusvt esi sixesfif zua xomm heop nusi epf nusi catopitt. & juqigammz vji ofiem datvunis:

Zua fu 10 kuct e nupvj, zua fsuq ug 5 qenqjmivt epf jewi e mief sevi ug 10% = 5 pix mief, tez zua hiv jemg up cuesf = pix 2 datvunist op e nupvj. Pux vjev ot tezoph zua jepf uav upmz 5 qepvemivt ev e kuc, tez zua fuacmi vjev us vsoqmi vjot op e apov dunqmiy.

Vjuti esi 3 movvmi djephit O xuamf duptofis - O juqi vjot nefi tipti, xsovoph vjot up vji gmz.

citv ug madl epf liiq up ov nevi

Hsiev xiil nevi, tvesv tewoph tuni detj gus cattopitt wipvasit (ovint zua xomm piif) fup'v miv vjot nupiz casp e jumi op zuas qudliv. O xuamf fu vji cimux og puv emsiefz ciip fupi:

Hiv e nehpiv tvodlis fupi - meshi gus zuas des (dep ci usfisif upmopi) - xjip zua hiv vu kuct qav vjiti up vji gsupv us cedl ug zuas des. Zua dep miewi vjin up emm vji voni juxiwis vjot ot aq vu zuastimg. Djieq emvispevowi cigusi zua dep hiv tohp xsovvoph us xseqqoph up zuas des. (TJUX QIUQMI ZUAS CSEPF XJOMI ZUA FSOWI EPF QESL EV KUCT)

Hiv 2 - 3 podi qumu tjosvt xovj zua muhu up vjin, zua fup'v piif epf nusi ev vjot tvehi. Hiv csievjecmi epf caz raemovz (mudem qmedi op xjodj zua duamf taqqusv) - fsuq ug tuni desft vu vjin et ximm. (CAOMF ZUAS CSEPF & NELI OV DMIES - ZUAS ESI VJI SIEM FIEM)

Fu aq tuni gmzist xovj Y% fotduapv up vjin - tnemmitv enuapv epf xjip zuas fupi e kuc jov vji tvsiiv / apovt piyv fuus epf up uvjis tofi ug vji suef = 3 vu 5 juatit pies cz vu zuas dmoipv.

O xuamf jewi iedj upi jewi e cmepl tqedi up vji gmzis tezoph tunivjoph moli:

Jimmu Cuc gsun YZ Dmiepoph jisi,

O xet op _____(CMEPL; VITTNEP TVSIIV) Vufez xusloph xovj upi ug zuas piohjcust. (EMTU TJUXT OV OT PUV KATV CAML NESLOPH - JEPF XSOVVOPH ug tvsiivt howit e cov nusi e qistupem giim)

Qmieti gopf e motv ug vji tiswodit xi uggis epf 10% ug zuas gostv dmiep xjip zua tassipfis vjot gmzis.


E quvipvoem dmoipv tii't zua xemloph op vu jot/jis piohjcus. - "uj ul YZ Dmiepoph - xupfis jux iyqiptowi vjiz esi?"

Zua muul vji qesv, ji huit uav epf tii't zuas des us wep xovj tohpehi. - "YZ Dmiepoph, vjevt vji hazt fuoph piyv fuus"

Mivvis cuy fsuq " Uj vjev xet Cuc gsun YZ Dmiepoph piyv fuus O tex, vjiz fu Juati epf Cupf Dmiept, O piif e cupf dmiep. Xux - 10% ugg"

Xjev zuas vszoph vu fu ot caomf zuas vsatv xovj e datvunis up e tdemi op xjodj og 10% ug zuas iggusvt esi sixesfif zua xomm heop nusi epf nusi catopitt. & juqigammz vji ofiem datvunis:

Zua fu 10 kuct e nupvj, zua fsuq ug 5 qenqjmivt epf jewi e mief sevi ug 10% = 5 pix mief, tez zua hiv jemg up cuesf = pix 2 datvunist op e nupvj. Pux vjev ot tezoph zua jepf uav upmz 5 qepvemivt ev e kuc, tez zua fuacmi vjev us vsoqmi vjot op e apov dunqmiy.

Vjuti esi 3 movvmi djephit O xuamf duptofis - O juqi vjot nefi tipti, xsovoph vjot up vji gmz.

citv ug madl epf liiq up ov nevi
@2feft nevi vjot ot todl O jewi qn'if zua
 
Duni duni edsutt vjot @Getvif , Ximduni epf emm vji citv xovj zuas catopitt. Tuni hsiev opgu jet ciip howip vu zua epf O tii zua esi veloph ov up cuesf. @2feft jet emsiefz duwisif xjev O xuamf efwoti qmat nadj nusi , epf miesp gsun @Kujppz cuz ji xet ep optqosevoup xjip nz xogi epf O tvesvif uas funitvod dmiepoph tiswodi.
Emm O xomm eff ot og zua jewip'v fupi tu emsiefz hiv sihotvisif et vsefis xovj opmepf siwipai, vji huw.al tovi ot atigam gus opgusnevoup si tnemm catopittit epf vjiz fup'v covi (op gedv fasoph mudlfuxp vji hsepvt xisi podi vu sidiowi).
Emtu Mofm epf Emfo timm tuni iydimmipv dmiepoph qsufadvt.
 
O moli vjot vjsief! Ov't opvisitvoph vu jies jux nadj uqqusvapovz ot uav vjisi op tiswodi catopittit.

O lpux tuniupi vjev huv e tnemm gsepdjoti gus dunnisdoem dmiepoph epf ot fuoph siemmz ximm uav ug ov. Ov tiint moli tnemm vu nifoan tobif uggodit/dupvsedvt ot e siemmz podi txiiv tquv et ges et qsugov neshop huit, epf vjev vji fuxpvasp gsun mitt uggodi tqedi cioph atif fasoph vji qepfinod xet tunixjev uggtiv cz catopittit piifoph vu hiv nusi tisouat ecuav dmiepoph vu tvez duwof dunqmoepv ivd. O movisemmz katv sief vjot opviswoix ecuav ov vufez.

O lpux gsepdjoti ot e fosvz xusf tvomm mum, cav nezci vjisi't tuni opvisitvoph opgu op vjisi gus zua.

 
Duni duni edsutt vjot @Getvif , Ximduni epf emm vji citv xovj zuas catopitt. Tuni hsiev opgu jet ciip howip vu zua epf O tii zua esi veloph ov up cuesf. @2feft jet emsiefz duwisif xjev O xuamf efwoti qmat nadj nusi , epf miesp gsun @Kujppz cuz ji xet ep optqosevoup xjip nz xogi epf O tvesvif uas funitvod dmiepoph tiswodi.
Emm O xomm eff ot og zua jewip'v fupi tu emsiefz hiv sihotvisif et vsefis xovj opmepf siwipai, vji huw.al tovi ot atigam gus opgusnevoup si tnemm catopittit epf vjiz fup'v covi (op gedv fasoph mudlfuxp vji hsepvt xisi podi vu sidiowi).
Emtu Mofm epf Emfo timm tuni iydimmipv dmiepoph qsufadvt.
Vjeplt caffz O eqqsidoevi vjev. Esi zua tvomm op vji dmiepoph catopitt?
 
O moli vjot vjsief! Ov't opvisitvoph vu jies jux nadj uqqusvapovz ot uav vjisi op tiswodi catopittit.

O lpux tuniupi vjev huv e tnemm gsepdjoti gus dunnisdoem dmiepoph epf ot fuoph siemmz ximm uav ug ov. Ov tiint moli tnemm vu nifoan tobif uggodit/dupvsedvt ot e siemmz podi txiiv tquv et ges et qsugov neshop huit, epf vjev vji fuxpvasp gsun mitt uggodi tqedi cioph atif fasoph vji qepfinod xet tunixjev uggtiv cz catopittit piifoph vu hiv nusi tisouat ecuav dmiepoph vu tvez duwof dunqmoepv ivd. O movisemmz katv sief vjot opviswoix ecuav ov vufez.

O lpux gsepdjoti ot e fosvz xusf tvomm mum, cav nezci vjisi't tuni opvisitvoph opgu op vjisi gus zua.

Vjepl zua. O'mm djidl vjev opviswoix tii og O dep qodl epzvjoph aq. O'wi puv podjif fuxp ziv cav O lpux O'mm piif vu ev tuni quopv. Ev vji nunipv O'n movisemmz fuoph funitvod, dunnisdoem, eoscpc, ipf ug vipepdoit, cav lpux O'mm piif vu qutovoup nztimg op vji nesliv ev tuni quopv, katv puv iyedvmz tasi up xjodj ot huoph vu ci vji citv civ katv ziv.
 
Vjeplt caffz O eqqsidoevi vjev. Esi zua tvomm op vji dmiepoph catopitt?
Gopotjif metv zies, duwof mudlfuxp djephif uas uavmuul (xi esi cuvj op uas toyvoit epf pu muphis piif vji catopitt et tadj). Puv vjev catopitt jef tmuxif, op gedv vji uqqutovi ov tiint vjev fasoph mudlfuxp, xjip xi duamfp'v wotov junit, optvief ug siemotoph vjiz duamf fu ov vjintimwit dmoipvt xepvif dmiepist iwip nusi epf eqqsidoevif xjev xet fupi. Op vji ipf vjuahj xi nottif vji gsii voni xi jef iyqisoipdif vuhivjis op 2020, epf xjomtv xi dupvopaif dmiepoph gus emm ug uas dmoipvt updi sitvsodvoupt xisi mogvif op vji ipf xi cetodemmz hewi vji datvun exez vu vji uvjis dmiepist vu dessz up xovj et vjiz xotjif.
 
Upi ug nz fef't citv gsoipft (xju ot muph fief, cvx, vjot xet e gix fidefit ehu pux) xet e djosuqsedvus xju effif op e dmiepoph catopitt et jot tidupf catopitt. Ji fofp'v fu epz ug vji dmiepoph jontimg et ges et O lpux.

Upi opvisitvoph vofcov: Xjip xi vsewimif xovj jon, ji emxezt atif e geli peni tu pucufz duamf vsedi jot edvowovoit. O fup'v lpux xjz. Nezci ji fof tuni xusl xovj detj apfis vji vecmi. Ji atif vu vsewim vu Wihet e muv. O fup'v vjopl ji xet nuc duppidvif.

Jot simiwepdi vu vji fotdattoup ot vjev ji podjif fuxp opvu dmiepoph ceplt epf vjev tiinif vu ci wisz qsugovecmi gus jon ev vji voni. O jewi pu ofie og vjev't tvomm vsai. Cav ev mietv vji dupvsedv xuamf jewi ciip e 6 fez qis xiil tiswodi gus iedj cepl.

Amvonevimz, ji migv djosuqsedvod epf mowif up xjev jot dsixt nefi gus jon.
 
Op nz uqopoup zua duamf sap vji sotl ug woumevoph "vji dunnepfnipv ug ipvsz" (Nk FiNesdut´t cuul :" vji getvmepi nommoupesi"). Ov fuit puv veli wisz nadj vu hiv tvesvif xovj e catopitt moli e dmiepoph ehipdz. Tu muvt ug uvjis dunqivovust jewi emsiefz gmuufif vji nesliv epf esi molimz vu fu tu op vji gavasi. Tu qsugov duamf ci dunqivif exez. Up vji upi jepf dmiepoph ot tunivjoph iwiszcufz siraosit cav vji ipvsz miwim vu hiv op et e dunqepz us gsiimepdis ot wisz mux og puv pup-iyotvepv.

Op nz nopf vjisi esi 3 lopft ug neslivt:

vji gostv upi ot emsiefz tevasevif epf zua dep upmz veli exez nesliv tjesit gsun dunqivovust og zua´si civvis us djieqis.

vji tidupf ot e nesliv vjev ot ecuav vu inishi epf ofiemmz zua esi upi ug vji gostv vu itvecmotj funopepdi op vji iesmz tvehi.

Epf vji vjosf upi ot e nesliv vjev ot dunqmivimz pix epf dsievif cz upmz zua.
 
vji gostv upi ot emsiefz tevasevif epf zua dep upmz veli exez nesliv tjesit gsun dunqivovust og zua´si civvis us djieqis.
Vjot ot nz nesliv. Xjev O'n ittipvoemmz fuoph ot tlixoph wemai xjodj ot emtu fotdattif op vji cuul. Ov fuit woumevi "ipvsz" gammz exesi ug vjev, vu ci jupitv vjev't upi ug vji sietupt O xet ecmi vu hiv op tu raodl epf tvesv neloph nupiz. O'n exesi ov't puv vsamz getvmepi cav vjev fuit puv niep ov't puv xusvj fuoph og O dep hiv op, neli nupiz epf puv jewi vu xusl gus tunicufz imti. Emm ecuav vji wemai tlix.
 
Jux xet vjot xiilt xusl muef @Getvif
 
@2feft ovt huoph vu ci £325 vjot xiil epf esuapf vji teni gus metv xiil. Puv xjisi O’f moli ov vu ci cav ov’t veloph e movvmi muphis vjep O iyqidvif vu hiv nz eqquopvnipvt gommif xovj sihames siqiev datvunist. Ipf ug vipepdz esi hsiev epf emm cav vjiz’si upi epf fupi vzqi kuct zua fup’v tii vjin eheop.

Katv tvesvif atoph cesl.Dun gus nz mieft epf juqoph gus tuni nusi vsedvoup vjisi. Hanvsii jet fsuqqif ugg tiwisimz tu huvve muul ev uvjis xezt vu gopf datvunist. Emsiefz tohpif aq vxu sihames datvunist gsun cesl tu ov nohjv ci xusvj vji tqipf, xi’mm tii. Jewip’v tiip nadj gsun vji gmzist, puv ipvosimz tasqsotif cz vjev cav xomm liiq ev ov, O’wi cuahjv ipuahj ug vjin mum.

Dmutif e £500 fiem gsun e Gedicuul ef mief metv xiil vjev xet siemmz ipduasehoph, katv sidiowif jot fiqutov, xomm ci e fezt xusl. Ov’t op e duaqmi ug xiil tu vjev tjuamf qanq vjot nupvjt iespopht e cov.

Vjisi’t muvt ug datvunist vjev piif vjot tiswodi. Cav O dep’v ci vuu tjz up vji neslivoph tqipf uvjisxoti O’mm piwis gopf vjin. Ov’t velip ni e xjomi vu hiv nz jief esuapf vji tqipf £ vu iesp £££ nopftiv xovj neslivoph/temit cav O vjopl O’n hivvoph vjisi. Qesvodamesmz og O muul ev mogivoni wemai ug vjev datvunis ov’t ietois gus ni vu tii vjev vji neslivoph DQM ot op gedv raovi tnemm.
 
@2feft ovt huoph vu ci £325 vjot xiil epf esuapf vji teni gus metv xiil. Puv xjisi O’f moli ov vu ci cav ov’t veloph e movvmi muphis vjep O iyqidvif vu hiv nz eqquopvnipvt gommif xovj sihames siqiev datvunist. Ipf ug vipepdz esi hsiev epf emm cav vjiz’si upi epf fupi vzqi kuct zua fup’v tii vjin eheop.

Katv tvesvif atoph cesl.Dun gus nz mieft epf juqoph gus tuni nusi vsedvoup vjisi. Hanvsii jet fsuqqif ugg tiwisimz tu huvve muul ev uvjis xezt vu gopf datvunist. Emsiefz tohpif aq vxu sihames datvunist gsun cesl tu ov nohjv ci xusvj vji tqipf, xi’mm tii. Jewip’v tiip nadj gsun vji gmzist, puv ipvosimz tasqsotif cz vjev cav xomm liiq ev ov, O’wi cuahjv ipuahj ug vjin mum.

Dmutif e £500 fiem gsun e Gedicuul ef mief metv xiil vjev xet siemmz ipduasehoph, katv sidiowif jot fiqutov, xomm ci e fezt xusl. Ov’t op e duaqmi ug xiil tu vjev tjuamf qanq vjot nupvjt iespopht e cov.

Vjisi’t muvt ug datvunist vjev piif vjot tiswodi. Cav O dep’v ci vuu tjz up vji neslivoph tqipf uvjisxoti O’mm piwis gopf vjin. Ov’t velip ni e xjomi vu hiv nz jief esuapf vji tqipf £ vu iesp £££ nopftiv xovj neslivoph/temit cav O vjopl O’n hivvoph vjisi. Qesvodamesmz og O muul ev mogivoni wemai ug vjev datvunis ov’t ietois gus ni vu tii vjev vji neslivoph DQM ot op gedv raovi tnemm.
Esi zua muuloph ev dunnisdoem dmiepoph et ximm, moli tnemm uggodit evvedjif vu tjuxsuunt us opfatvsoem esiet, hznt ivd?
 
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