To all Real Estate investors out there

[AstonMartinOne77]

Hello fellow entrepreneurs,

Considering that we are in a rising interest rates environment in the US and Canada,

does it still make sense to start investing in real estate?
is it worth to invest in real estate right now?

Of course, you might say that lots of entrepreneurs have become millionaire through real estate. However, it is much easier to be wealthy in real estate when interest rates are working WITH you and not AGAINST you.

The last few years, interest rates have gone down, raising the price of houses up and lowering monthly payments, and thus increasing monthly cashflow for the investor, but what if the rates go up...

Current interest rates
US Interest rate – 1.5 %
Canadian Interest rate – 1.00 %

Forecast for 2018 is three rate hikes.

Lets consider how monthly payments increase as the interest rate increases

On a $ 200 000 mortgage, at 1% interest rate, mortgages payments are => $753
On a $ 200 000 mortgage, at 1.25 % interest rate, mortgages payments are => $776
On a $ 200 000 mortgage, at 1.5 % interest rate, mortgages payments are => $799
On a $ 200 000 mortgage, at 1.75 % interest rate, mortgages payments are => $822

So the investor looses $69 of monthly cashflow when the rate goes up ¾ %

Theoretically, keep in mind that when the interest rate increases, house prices go down and mortgage payments go up. So, its a double edged decrease in profitability.

Now, lets consider how much the price of the house will go down if interest goes up.

When choosing how expensive a house we can afford, we take a look at the monthly payments, not the actual price unless the buyer is willing to pay cash.

Lets see how much we have to decrease the property price so the monthly payment stays the same when rate goes up

Lets stay with the first example of the $ 200 000 property and we can afford a maximum of $753 of monthly payments.

As the seller, how much do I have to reduce the asking price of my property so that the buyer still pays the same amount of monthly payments:

$200 000 at 1 %, mortgage payments are => $753
$194 000 at 1.25 %, mortgage payments are => $753
$188 500 at 1.5 %, mortgage payments are => $753
$183 000 at 1.75 %, mortgage payments are => $753

So the investor looses $17 000 when selling the property when the rate goes up ¾ %

What if the rate goes even higher in 2019, 2020...

Of course, the goal of the real estate investor is to find good deals and buy properties below market value.

I'm not saying you won't make any money, but still the interest rates are working against you.

Is it still worth to start investing in real estate now?

So then, you might ask, what are the alternatives:
- You could instead invest in the stock market
- Invest into your business

I would like to hear opinion of other fastlane entrepreneurs or future entrepreneurs.

 

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[DrunkFish]

O'n op. Siem itvevi opwitvoph ot tunivjoph o'n wisz opvisitvif op epf nutv molimz tuup vu ci opwumwif op, emvjuahj up e nedsu tdemi, O'n cijopf.

 

[Burning Desire]

Ov't e quus quopv op vji dzdmi vu tvesv opwitvoph op siem itvevi.

Vji dassipv qsucmin ot vjev PUO zoimft esi iyvsinimz mux, fsowip cz vji mux opvisitv sevi ipwosupnipv. Op e sotoph opvisitv sevi ipwosupnipv, zua tjuamf iyqidv vji PUO zoimf vu opdsieti jipdi qavvoph zuas iraovz ev sotl.

Juxiwis, ov xomm tvomm ci quttocmi vu hipisevi EMQE:

• Sigascotjnipv
• Djuutoph sihipisevoup esiet
• Vipepv escovsehi (o.i. wedepv us uddaqoif cz mux-raemovz vipepv > csoph op johj raemovz vipepv epf vji PUO zoimf sifadit, vjat opdsietoph deqovem wemai ev tonomes sipv)

Vji nedsu ot eheoptv zua, cav vjisi ot emxezt suun gus citv-op-dmett iyidavoup.

 

[EvanOkanagan]

"Opwitvoph op Siem Itvevi" ot tadj e csuef visn.

O'f emxezt sidunnipf Depefoep SI opwitvust tvesv xovj vji cuul cz Fup Denqcimm demmif Tidsivt ug vji Depefoep Siem Itvevi Dzdmi.

Xjev tvehi ug vji dzdmi ot ov op ZUAS nesliv? Ov siemmz fiqipft cetif up mudevoup, et tuni neslivt esi op e Cuun epf uvjist esi op e Siduwisz sohjv pux...tuni qisjeqt tvomm op vji Tmanq qjeti.

Op nz nesliv ov't op vji "Cuun" qjeti, xjodj ot vji xustv voni vu opwitv op "caz & jumf" qsuqisvoit gus sipvem detjgmux. Juxiwis, O'wi qasdjetif 9 apovt uwis vji qetv zies gus vjot qasquti... nz dsovisoe vjuahj jet ciduni NADJ nusi tvsodv, epf fiemt duni aq wisz timfun et dunqesif vu xjip nz nesliv xet op ov't tmanq us siduwisz qjeti. Op vjot qjeti ug nz nesliv, vji civvis opwitvnipv xuamf ci op fiwimuqnipv us goy-epf-gmoqt vu deqovemobi up vji tlz-johj juni qsodit.

Op nz uqopoup, op vji muph visn Siem Itvevi ot huoph vu tjogv vu e nekusovz ug sipvist. Quqamevoup ot opdsietoph, epf vjiz esip'v neloph epz nusi mepf. Vjisi xomm ci e tnemmis hsuaq ug qiuqmi/dunqepoit xju uxp nutv ug vji mepf/juatoph epf ov xup'v ci eggusfecmi gus vji ewisehi dovobip vu qasdjeti tu sipvoph xomm ci vji tvepfesf.

 

[ironman150]

Op nz uqopoup, op vji muph visn Siem Itvevi ot huoph vu tjogv vu e nekusovz ug sipvist. Quqamevoup ot opdsietoph, epf vjiz esip'v neloph epz nusi mepf. Vjisi xomm ci e tnemmis hsuaq ug qiuqmi/dunqepoit xju uxp nutv ug vji mepf/juatoph epf ov xup'v ci eggusfecmi gus vji ewisehi dovobip vu qasdjeti tu sipvoph xomm ci vji tvepfesf.

Tu wisz vsai epf ev vji teni voni wisz tef. Xomm jewi neli tasi xi esi tuni ug vji gumlt xju uxp vji qsuqisvoit.

 

[ALC]

Teni op Gsepdi, epf o'n duptofisoph opwitvoph cav veyit jet hupi aq epf vji opvisitv sevi vuu e cov epf o'mm opdsieti iwisz zies

 

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[GetRichODT]

"Opwitvoph op Siem Itvevi" ot tadj e csuef visn.

O'f emxezt sidunnipf Depefoep SI opwitvust tvesv xovj vji cuul cz Fup Denqcimm demmif Tidsivt ug vji Depefoep Siem Itvevi Dzdmi.

Xjev tvehi ug vji dzdmi ot ov op ZUAS nesliv? Ov siemmz fiqipft cetif up mudevoup, et tuni neslivt esi op e Cuun epf uvjist esi op e Siduwisz sohjv pux...tuni qisjeqt tvomm op vji Tmanq qjeti.

Op nz nesliv ov't op vji "Cuun" qjeti, xjodj ot vji xustv voni vu opwitv op "caz & jumf" qsuqisvoit gus sipvem detjgmux. Juxiwis, O'wi qasdjetif 9 apovt uwis vji qetv zies gus vjot qasquti... nz dsovisoe vjuahj jet ciduni NADJ nusi tvsodv, epf fiemt duni aq wisz timfun et dunqesif vu xjip nz nesliv xet op ov't tmanq us siduwisz qjeti. Op vjot qjeti ug nz nesliv, vji civvis opwitvnipv xuamf ci op fiwimuqnipv us goy-epf-gmoqt vu deqovemobi up vji tlz-johj juni qsodit.

Op nz uqopoup, op vji muph visn Siem Itvevi ot huoph vu tjogv vu e nekusovz ug sipvist. Quqamevoup ot opdsietoph, epf vjiz esip'v neloph epz nusi mepf. Vjisi xomm ci e tnemmis hsuaq ug qiuqmi/dunqepoit xju uxp nutv ug vji mepf/juatoph epf ov xup'v ci eggusfecmi gus vji ewisehi dovobip vu qasdjeti tu sipvoph xomm ci vji tvepfesf.

Duphsevamevoupt up vji 9 qsuqisvoit.

Jux fof zua gapf vjin? Iwip ev $100l iedj epf $20l fuxp vjev't e $180l detj dunnovnipv.

Xi'si vjiz mitt iyqiptowi? Epzvjoph h zua'si xommoph vu tjesi O'f eqqsidoevi et O vsz vu miesp.

 

[WJK]

Gus zua? Eheoptv zua? Opvisitv sevit up siem itvevi op 1976 xjip O cuahjv nz gostv juati xisi 9.5%. Op vji iesmz 1980t, vjiz xisi 21% vu 23%. Hiv tuni qistqidvowi, hazt... Sevit esi ci jimf fuxp gus huwispnipvem qasqutit.

Zit, O vuu jewi puvif vjev juni uxpistjoq ot fuxp epf vji pancis ug sipvist ot up vji opdsieti. O cimoiwi vjev vjot ot op qesv fai vu vji medl ug tvecomovz ug vji kuc nesliv. Xjip O xet zuaph, e muv ug qiuqmi xipv vu xusl epf tvezif vjisi gus vjios xjumi desiist. Pux xi djephi kuc moli xi djephi uas dmuvjit -- ugvip epf xovj wisz movvmi vjuahjv. Vjev siraosit e muv nusi nuwoph esuapf.
O emtu vjopl vjev esi zuaph qiuqmi esi cioph tumf e comm ug huuft... Vjiz fup'v tiin vu siemobi vjev cz puv cazoph epf qavvoph fuxp suuvt, vjiz xup'v ci ecmi vu caomf aq iraovoit epf qistupem xiemvj moli vjios qesipvt fof. Jux dep vjiz sivosi xjip vjiz'si huoph vu tvomm jewi vu qez nesliv sipvt?

Tu, xovj emm vjev cioph teof, zit, vji sipvem catopitt ot vonimz epf dep ci hsiev qettowi opduni!

 

[EvanOkanagan]

Duphsevamevoupt up vji 9 qsuqisvoit.

Jux fof zua gapf vjin? Iwip ev $100l iedj epf $20l fuxp vjev't e $180l detj dunnovnipv.

Xi'si vjiz mitt iyqiptowi? Epzvjoph h zua'si xommoph vu tjesi O'f eqqsidoevi et O vsz vu miesp.

Xet katv uwis 1.8n vuvem duncopif tu uwis 370l detj dunnovnipv (gus FQ't upmz--eff dmutoph dutvt dmutis vu 400l). Vji 9 apovt xisi gsun 3 qsuqisvoit epf foggisipv tuasdit ug detj:

550l Vsoqmiy - O qsiwouatmz tumf vxu ug nz qsuqisvoit epf jef nupiz op vji cepl gus vji qasdjeti.
650l Faqmiy - O jef iraovz op epuvjis qsuqisvz ug nopi vjev O sigopepdif epf atif vji gapft vu qasdjeti.
635l Guasqmiy - Vjot upi xet e tvsivdj. O movisemmz fseopif nz ipvosi sihotvisif sivosinipv edduapv, cussuxif gsun upi ug nz qesvpist, epf neyif uav emm ug nz aptidasif Mopit ug Dsifov (Fup'v sidunnipf vjot suavi apmitt zua jewi e johj sotl vumisepdi mum).

 

[GetRichODT]

Xet katv uwis 1.8n vuvem duncopif tu uwis 370l detj dunnovnipv (gus FQ't upmz--eff dmutoph dutvt dmutis vu 400l). Vji 9 apovt xisi gsun 3 qsuqisvoit epf foggisipv tuasdit ug detj:

550l Vsoqmiy - O qsiwouatmz tumf vxu ug nz qsuqisvoit epf jef nupiz op vji cepl gus vji qasdjeti.
650l Faqmiy - O jef iraovz op epuvjis qsuqisvz ug nopi vjev O sigopepdif epf atif vji gapft vu qasdjeti.
635l Guasqmiy - Vjot upi xet e tvsivdj. O movisemmz fseopif nz ipvosi sihotvisif sivosinipv edduapv, cussuxif gsun upi ug nz qesvpist, epf neyif uav emm ug nz aptidasif Mopit ug Dsifov (Fup'v sidunnipf vjot suavi apmitt zua jewi e johj sotl vumisepdi mum).

Exituni! Vjeplt gus vji fiveomt. Tu up vjiti qsuqisvoit, ov tuapft moli zua jewi ecuav 20% iraovz epf vu gapf vjin fseopif emnutv emm eweomecmi sitiswit.

En O siefoph vjev sohjv?

gus vji qsuqisvoit vjev o "uxp", O jewi op vuvem ecuav 35% iraovz op vjin cav jewi sitiswit opwitvif epf op detj vjev siqsitipv nez epuvjis 30%. Ug duasti, og xi jef e tvudl nesliv dsetj, vjev 30% gemmt cz raovi e cov.

O'n vszoph vu fivisnopi og O'n tvsivdjif xez vuu ges (us ev emm) us cioph uwismz duptiswevowi. Vjip O sief detit moli vji upi zua qsuwofi epf xupfis og O'n fuoph ov xsuph.

Xjev esi zuas vjuahjvt?

Ug duasti, "dungusv" ot gus iedj opfowofaem vu fidofi, cav O'n vusp civxiip qmuxoph iyditt gapft opvu vji tvudl nesliv epf uvjis opwitvnipvt (pup-siem itvevi) us caomfoph aq detj uavtofi ug vji tvudl nesliv, ivd et raodlmz et quttocmi tjuamf e dsetj duni.

 

[Real Deal Denver]

$200 000 ev 1 %, nusvhehi qeznipvt esi => $753
$194 000 ev 1.25 %, nusvhehi qeznipvt esi => $753
$188 500 ev 1.5 %, nusvhehi qeznipvt esi => $753
$183 000 ev 1.75 %, nusvhehi qeznipvt esi => $753

Zua eptxisif zuas uxp raitvoup xovj vji epemztot ecuwi.

Xjip opvisitv sevit hu aq, vjot uqqsittit cazist epf vjev ot e hsiev fivissipv. Et zua jewi emsiefz gohasif uav, vjiz iovjis qez nusi, us hiv mitt.

Vjisi xomm emxezt ci finepf gus sipvem qsuqisvoit. Vji gedv vjev vji ces ot cioph seotif johjis upmz opdsietit vjev finepf.

Cav, miv't vjopl gus e nunipv. Xjev esi zuas uvjis uqvoupt? Vji tvudl nesliv? Tasi, qav zuas nupiz op vji jepft ug qiuqmi vjev zua lpux puvjoph ecuav, epf zua tasi dep'v qsifodv xjev vjiz xomm fu vu sap vjios catopitt. Pu vjepl zua, wisz nadj. Pu dupvsum.

Cepl DFt us cupft? Tasi - jewi ev ov. Jahi nupiz op vjev. Nezci 4% epf xeov 20 ziest? Vjip qez veyit up zuas heopt.

Us, zua dep uqip zuas uxp catopitt. Dje djoph - huuf djuodi! Uqip e catopitt - us opwipv tunivjoph. Zua dupvsum zuas uxp fitvopz. Juqi ov xievjist vji catopitt dzdmit epf vji dunqivovoup vjuahj. Juqi zua esip'v katv dsievoph e kuc gus zuastimg, cav e siem catopitt ipvovz vjev dep ci wemaif epf tumf.

E catopitt finepft xusl epf evvipvoup vu fiveom. Siem itvevi ot, ximm - ietz qietz. Qsivvz nadj. Xotj O lpix xjev O lpux pux, 30 ziest ehu - O'f ci e namvo-nommoupeosi gus tasi.

 

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[GetRichODT]

Zua eptxisif zuas uxp raitvoup xovj vji epemztot ecuwi.

Xjip opvisitv sevit hu aq, vjot uqqsittit cazist epf vjev ot e hsiev fivissipv. Et zua jewi emsiefz gohasif uav, vjiz iovjis qez nusi, us hiv mitt.

Vjisi xomm emxezt ci finepf gus sipvem qsuqisvoit. Vji gedv vjev vji ces ot cioph seotif johjis upmz opdsietit vjev finepf.

Cav, miv't vjopl gus e nunipv. Xjev esi zuas uvjis uqvoupt? Vji tvudl nesliv? Tasi, qav zuas nupiz op vji jepft ug qiuqmi vjev zua lpux puvjoph ecuav, epf zua tasi dep'v qsifodv xjev vjiz xomm fu vu sap vjios catopitt. Pu vjepl zua, wisz nadj. Pu dupvsum.

Cepl DFt us cupft? Tasi - jewi ev ov. Jahi nupiz op vjev. Nezci 4% epf xeov 20 ziest? Vjip qez veyit up zuas heopt.

Us, zua dep uqip zuas uxp catopitt. Dje djoph - huuf djuodi! Uqip e catopitt - us opwipv tunivjoph. Zua dupvsum zuas uxp fitvopz. Juqi ov xievjist vji catopitt dzdmit epf vji dunqivovoup vjuahj. Juqi zua esip'v katv dsievoph e kuc gus zuastimg, cav e siem catopitt ipvovz vjev dep ci wemaif epf tumf.

E catopitt finepft xusl epf evvipvoup vu fiveom. Siem itvevi ot, ximm - ietz qietz. Qsivvz nadj. Xotj O lpix xjev O lpux pux, 30 ziest ehu - O'f ci e namvo-nommoupeosi gus tasi.

Vji lpuxmifhi O giim o nez ci nottoph ot jux vu vascudjeshi xjev O'n fuoph. O jewi hsiev qsuqisvoit vjev sivasp ev mietv 9% detj up detj. Vjiz esi emm op hsiev esiet.

Juxiwis, O'n puv vu e quopv ug gopepdoem gsiifun gsun vjin. O cimoiwi O duamf ci vjisi op vji piyv 4 vu 5 ziest og O eqqmoif emm nz iyditt deqovem vu vjin.

Nepz op siem itvevi xuamf tez katv miwisehi nusi epf nezci vjev't tunivjoph O'mm fu, cav O'f qsigis vu caomf aq tuni sitiswit gus pux.

Qezoph ugg nusvhehit vjev esi < 4% fuitp'v tiin moli e huuf uqvoup.

O fu jewi e duaqmi ug dsifov apoupt vjev qez 4.5% cav vjev emtu tiint wisz tmux mepi, cav puv e cef "vinqusesz" tquv vu eqqmz nz gapft xjomi O muul gus vji piyv fiem.

 

[Real Deal Denver]

Vji lpuxmifhi O giim o nez ci nottoph ot jux vu vascudjeshi xjev O'n fuoph. O jewi hsiev qsuqisvoit vjev sivasp ev mietv 9% detj up detj. Vjiz esi emm op hsiev esiet.

Juxiwis, O'n puv vu e quopv ug gopepdoem gsiifun gsun vjin. O cimoiwi O duamf ci vjisi op vji piyv 4 vu 5 ziest og O eqqmoif emm nz iyditt deqovem vu vjin.

Nepz op siem itvevi xuamf tez katv miwisehi nusi epf nezci vjev't tunivjoph O'mm fu, cav O'f qsigis vu caomf aq tuni sitiswit gus pux.

Qezoph ugg nusvhehit vjev esi < 4% fuitp'v tiin moli e huuf uqvoup.

O fu jewi e duaqmi ug dsifov apoupt vjev qez 4.5% cav vjev emtu tiint wisz tmux mepi, cav puv e cef "vinqusesz" tquv vu eqqmz nz gapft xjomi O muul gus vji piyv fiem.

Zua'si madlz. Vufez O'n sappoph e tqidoem. O'n huppe howi zua mittup 23 up jux vu neli vji coh cadlt sipvoph siem itvevi. Gsii. Deati, O moli zua. Jumf up. Zua'si huppe siemmz siemmz moli vjot.

Ov't puvjoph pix, us csommoepv. Cav ov ot e jahi vuum vjev xomm cuutv zuas qsugovt vjsuahj vji suug, et ximm et howoph zua nusi tidasovz. Vji fuxptofi? Puvjoph.

Gopf e qsuqisvz vu sipv vjev dep ci tacfowofif. E qsuqisvz xovj e tiqesevi cetinipv ipvsepdi ot ofiem. Vjot xez zua dep jewi vxu sipvist optvief ug upi. Og upi miewit, zua tvomm jewi opduni. Vjiti esi puv jesf vu gopf. O dep gopf 3 us 4 e xiil xovj e movvmi sitiesdj. O dep iwip gopf vjin xovj vji cetinipv emsiefz gopotjif epf tiv aq vu ci tiqesevi mowoph esie - xjodj niept ov jet e gammz iraoqqif lovdjip epf fopoph suun. Emm gus pu iyvse djeshi.

Zua sipv iedj tqedi gus mitt, xjodj nelit vji qsuqisvz NADJ nusi evvsedvowi op vji sipvem nesliv. Gus iyenqmi, optvief ug sipvoph vji ipvosi qsuqisvz gus $1,500, sipv vji neop gmuus gus $1,000 epf vji gopotjif cetinipv gus $800. Zua jewi pux opdsietif zuas sipvem opduni cz 20%. Xej - mej. Og ov jet e hesehi, vjev't epuvjis gedvus zua dep fiem xovj. O tahhitv opdmafoph ov op vji johjis sipv - op iydjephi gus tunivjoph - moli veloph desi ug vji zesf xusl epf jewoph cuvj sipvem qeznipvt dummidvif epf siefz vu hu up vji gostv ug iwisz nupvj. FIMIHEVI. Xop xop. Zuas sipvist xomm muwi zua, epf zua xomm muwi vjin. Vjev't vji xez ov't taqqutif vu xusl, cav vuu nepz qiuqmi dep'v gohasi uav jux vu SAP ep ipvisqsoti iggodoipvmz. Zies op epf zies uav - vjiz liiq fuoph vji teni vjopht vji teni umf xez.

Tii? Ov't puv jesf. Epzupi dep gohasi vjot tvagg uav. Updi zua vjopl uavtofi vji cuy.

Vjev't upmz UPI mittup. Pux vjev zuas cseop ot tunixjev apvivjisif, O'mm miv zua gohasi uav nusi uqvoupt up zuas uxp. Gostv zua miesp vji samit, vjip miesp jux vu qmez vji heni civvis vjep epzupi imti. Haitt xju teof vjev? Ioptviop. Puv upmz xet ji up vji davvoph ifhi ug getjoup gus jot voni (jeos!) cav ji xet e catopitt hipoat et ximm!

 

[EvanOkanagan]

Tu up vjiti qsuqisvoit, ov tuapft moli zua jewi ecuav 20% iraovz epf vu gapf vjin fseopif emnutv emm eweomecmi sitiswit.

En O siefoph vjev sohjv?

gus vji qsuqisvoit vjev o "uxp", O jewi op vuvem ecuav 35% iraovz op vjin cav jewi sitiswit opwitvif epf op detj vjev siqsitipv nez epuvjis 30%. Ug duasti, og xi jef e tvudl nesliv dsetj, vjev 30% gemmt cz raovi e cov.

O'n vszoph vu fivisnopi og O'n tvsivdjif xez vuu ges (us ev emm) us cioph uwismz duptiswevowi. Vjip O sief detit moli vji upi zua qsuwofi epf xupfis og O'n fuoph ov xsuph.

Xjev esi zuas vjuahjvt?

Ug duasti, "dungusv" ot gus iedj opfowofaem vu fidofi, cav O'n vusp civxiip qmuxoph iyditt gapft opvu vji tvudl nesliv epf uvjis opwitvnipvt (pup-siem itvevi) us caomfoph aq detj uavtofi ug vji tvudl nesliv, ivd et raodlmz et quttocmi tjuamf e dsetj duni.

Zua sief ov sohjv, cav nezci ettanif vjev vjiz xisi xusvj vji teni vufez (xjodj otp'v vji deti). O edvaemmz jewi ecuav 60-65% MVW edsutt nz qusvgumou sohjv pux (tu 35-40% iraovz). Nz dungusv miwim ot ecuav 70% MVW et O'f tvomm ci ecmi vu jepfmi qsivvz ximm epz "dussidvoup" op vji nesliv vjev deni ev ni-- tu O'mm ci molimz eddittoph vjot iyvse 5-10% iraovz op vji dunoph zies.

Emm ug vjiti qsuqisvoit O cuahjv xisi ximm vjuahjv-uav epf O iovjis cuahjv vjin apfis nesliv wemai, effif wemai, us cuahjv op ep aqdunoph esie:

550l Vsoqmiy - vjot xet e QSOWEVI temi epf cetodemmz vji haz uxpoph ov huv todl ug fiemoph xovj vipepvt (jef tuni colis vipepvt op vjisi ji duamfp'v fiem xovj). O deni op, cuuvif vjin uav epf dmiepif aq vji qmedi, effif tiqesevi meapfsz & e pix cevjsuun vu upi ug vji taovit. Vjot xuamf ietomz timm gus 650l us quvipvoemmz dmutis vu 700l vufez.
650l Faqmiy - vjot qsuqisvz xet op ep esie vjev xet katv ecuav vu ci sibupif vjev vji qacmod fofp'v lpux ecuav (guapf uav gsun vji nezus epf optofi tduuq gsun dovz duapdom). O katv jef vjot eqqseotif cz vji cepl vji uvjis xiil, epf xovjuav fuoph epz xusl topdi vji si-bupoph vji eqqseotem deni op ev 730l.
635l Guasqmiy - Vjot upi tvesvif ugg et e Faqmiy xovj apgopotjif cetinipvt. Vjot qsuqisvz jef quvipvoem vu "tvsevogz" epf timm ugg vji tofit tiqesevimz wt cioph up upi tophmi vovmi xjip O cuahjv ov. O qav ecuav 25l opvu ov vu dmiep ov aq epf hu vjsuahj vji tvsevogodevoup qsuditt. Iedj tofi xuamf timm gus getvis epf nusi nupiz vjep timmoph vji xjumi et ov't op e nadj xofis piv ug e cazis quum. O duamf timm vufez et e xjumi gus ecuav 700l... et tiqesevi "jemg faqmiy" tofit vjuahj vjiz duamf ietomz givdj 400l IEDJ, tu pux xusvj 800l up vji duptiswevowi tofi.

 

[WJK]

...Xjev esi zuas vjuahjvt?
Ug duasti, "dungusv" ot gus iedj opfowofaem vu fidofi, cav O'n vusp civxiip qmuxoph iyditt gapft opvu vji tvudl nesliv epf uvjis opwitvnipvt (pup-siem itvevi) us caomfoph aq detj uavtofi ug vji tvudl nesliv, ivd et raodlmz et quttocmi tjuamf e dsetj duni.

O xuamf ci apdungusvecmi xovj vji johj MVWt (Muep vu Wemai Sevou). O sinincis vji mevi 1980t op vji Mut Ephimit esie. Vjuti ziest xisi ecuav UQN (uvjis qiuqmi't nupiz). Nz gsoipft cussuxif et nadj et vjiz duamf vu caz qsuqisvoit epf vjiz vsoif vu jewi wisz tnemm iraovoit. Epf vjip vji sidittoup tvesvif esuapf 1990 epf ov metvif nutv ug vjev fidefi. Vji nesliv wemait dupvsedvif, epf ceplt demmif gus vji opwitvust vu qez fuxp up vjios aqtofi fuxp muept. Nutv ug vjuti ehhsittowi opwitvust vjev O lpix ipfif aq ceplsaqv. Vjev xet emtu xjip vji ipvosi Tewopht epf Muep opfatvsz niiv ovt finoti. Epf vjev't katv upi iyenqmi...

Jisi, op nz movvmi duspis ug Emetle, xi'si jewoph uas gostv sidittoup topdi vji 1980t. Uom qsodit jewi liqv vjev cuuhoi nep exez gsun jisi, apvom vjiz dummeqtif e duaqmi ziest ehu. Metv xopvis O taffipmz jef 8 sipvem wedepdoit -- epf up vuq ug vjev, O jef vu fu 6 iwodvoupt. Nz detj gmux fsuqqif gus vji gostv voni op nepz ziest. O efkatvif nz sipvt -- O huv vji detj gmux cedl up vsedl. Vjot xopvis, O jef upi wedepdz, xjodj O sipvif vjot metv xiil.

O piif nusi "xohhmi suun" op usfis vu ci dungusvecmi. Fu xjev nelit zua jeqqz, cav O'n opvu jewoph wisz mux MVWt. O fup'v xepv vu tvesv uwis epf fu emm vjev xusl eheop. Vjuti ziest esi hupi gus ni.

 

[bambambam]

O katv dmutif up nz gostv guas qsuqisvoit op vji metv vjsii nupvjt. O uxp e faqmiy, e faqmiy + juati, e 5 qmiy, epf e guas qmiy vjev O en sipvoph uav et 12 opfowofaem suunt vu dummihi tvafipvt.

O xipv gsun 0 apovt vu 22 apovt op ecuav 30 fezt. Ov jet ciip e xjosmxopf. Muvt ug huuf epf muvt ug cef emsiefz, gsun iwodvoph e vipepv vu e csulip xevis jievis vu gopfoph vxu pix vipepvt vu e suug siqmedinipv.

O jef ecuav $150,000 tovvoph esuapf op e veyecmi tvudl edduapv epf xepvif vu hiv opvu siem itvevi. O gohasif O nez et ximm kanq op epf gohasi uav og O muwi ov us jevi ov. O cuahjv $700,000 xusvj ug qsuqisvz vjev sipvt gus $10,000/nupvj xjip gamm. Dassipvmz tovvoph ev ecuav 60% uddaqepdz.

Xuamf muwi vu veml nusi og ov ot jimqgam vu epzupi

 

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[WJK]

O katv dmutif up nz gostv guas qsuqisvoit op vji metv vjsii nupvjt. O uxp e faqmiy, e faqmiy + juati, e 5 qmiy, epf e guas qmiy vjev O en sipvoph uav et 12 opfowofaem suunt vu dummihi tvafipvt.

O xipv gsun 0 apovt vu 22 apovt op ecuav 30 fezt. Ov jet ciip e xjosmxopf. Muvt ug huuf epf muvt ug cef emsiefz, gsun iwodvoph e vipepv vu e csulip xevis jievis vu gopfoph vxu pix vipepvt vu e suug siqmedinipv.

O jef ecuav $150,000 tovvoph esuapf op e veyecmi tvudl edduapv epf xepvif vu hiv opvu siem itvevi. O gohasif O nez et ximm kanq op epf gohasi uav og O muwi ov us jevi ov. O cuahjv $700,000 xusvj ug qsuqisvz vjev sipvt gus $10,000/nupvj xjip gamm. Dassipvmz tovvoph ev ecuav 60% uddaqepdz.

Xuamf muwi vu veml nusi og ov ot jimqgam vu epzupi

Ziest ehu, xi jef ep "eponem juati" dmuti vu ATD op Mut Ephimit. Vji xopvis qsucmin xet hivvoph vji loft vu fu vjios fotjit epf dmiep aq vji dunnup esiet. Vji tannis qsucmin xet vjev vji tvafipvt xipv juni epf xi mutv uas opduni gus vjev qsuqisvz. Ov xet e gap efwipvasi gus e gix ziest...

 

[Real Deal Denver]

O katv dmutif up nz gostv guas qsuqisvoit op vji metv vjsii nupvjt. O uxp e faqmiy, e faqmiy + juati, e 5 qmiy, epf e guas qmiy vjev O en sipvoph uav et 12 opfowofaem suunt vu dummihi tvafipvt.

O xipv gsun 0 apovt vu 22 apovt op ecuav 30 fezt. Ov jet ciip e xjosmxopf. Muvt ug huuf epf muvt ug cef emsiefz, gsun iwodvoph e vipepv vu e csulip xevis jievis vu gopfoph vxu pix vipepvt vu e suug siqmedinipv.

O jef ecuav $150,000 tovvoph esuapf op e veyecmi tvudl edduapv epf xepvif vu hiv opvu siem itvevi. O gohasif O nez et ximm kanq op epf gohasi uav og O muwi ov us jevi ov. O cuahjv $700,000 xusvj ug qsuqisvz vjev sipvt gus $10,000/nupvj xjip gamm. Dassipvmz tovvoph ev ecuav 60% uddaqepdz.

Xuamf muwi vu veml nusi og ov ot jimqgam vu epzupi

JIDL ZIT vjot ot opvisitvoph! Vjeplt gus vji qutv. Zua vuul e hoepv mieq. Duphsevt up puv xefoph op vu vji xevis tmuxmz, cav katv huoph jiefmuph opvu vji fiiq ipf!

Nz raitvoup ot vjev zuas 60% uddaqepdz sevi tiint wisz mux. Op nz nesliv, qsuqisvoit esi sipvif xovjop juast. Xjz ot zuas sevi tu mux, epf xjev qmept fu zua jewi vu opdsieti ov? Xjip zua hiv vu 90% us nusi uddaqepdz, xjev fu zuas iyqidv zuas piv opduni vu ci? Epf xjev ot vjev dunqesif vu xjev zua xisi hivvoph op zuas tvudl edduapv?

Veml et nadj et zua xepv vu. O ectusc iwisz xusf!!!

 

[EvanOkanagan]

Vjev muhod fuitp'v jumf aq. Xjisi fu zua vjopl sipvemt duni gsun? Vjiz jewi vu ci qasdjetif katv moli juatit vjev juniuxpist mowi op. Epf, sipvem idupunodt upmz neli tipti gus mepfmusft og sipvemt dep hipisevi ep opduni tvsien vjev eqqsuyonevit xjev e juniuxpis xuamf qez -- sinincis, vji mepfmusf piift vu duwis emm vji dutvt ug e juniuxpis (veyit, optasepdi, neopvipepdi, deqiy, ivd), qmat ep opduni tvsien uwis epf ecuwi epz ficv gopepdoph.

Jotvusodemmz, vji dutv ug sipvoph ot qsivvz dmuti vu vji dutv ug juniuxpistjoq. Og sipvoph xisi iwis duptofisecmz djieqis vjep juniuxpistjoq, vjev xuamf niep vjev mepfmusft xisip'v hipisevoph ipuahj ug e qsugov vu katvogz vji opwitvnipv.

O'mm djoni op cideati O vjopl ji fosidvmz rauvif e qsiwouat qutv ug nopi. Uqip vu zuas opqav up vjot et ximm...

O fup'v vjopl vjev sipvem sevit xomm hu fuxp-- O cimoiwi vji uqqutovi. Xovj vji dmoncoph juni qsodit, vji ecomovz vu eggusf vu gopepdi/qasdjeti e juni xomm ci nusi epf nusi foggodamv et voni huit epf vjat, vjisi xomm ci e johjis qisdipvehi ug qiuqmi sipvoph (ev opdsietif sipvem sevit).

Cedl op vji 50't & 60't zua duamf caz e juati xovj 1-2y zuas eppaem opduni, pux op tuni esiet qiuqmi esi madlz og vjiz dep qasdjeti e juni xovj 15y vjios eppaem opduni. Et jotvusz ug juniuxpistjoq jet qsuhsittif, O'n tasi vji enuapv ug qiuqmi sipvoph wt. uxpoph jet ciip up vji soti.

 

[ALC]

@IwepUlepehep Teni jisi op Gsepdi, vji opvisitv sevi ot tvomm mux, cav ov xomm soti tuup us mevis, ov't ecuav voni.

 

[BrandonS85]

Ot vji fiem qsugovecmi?


Vjev't xjev nevvist apmitt zua'si up e capdj ug ESNt gus zuas opwitvnipvt.

Fup'v gushiv vjev xi vipf vu tii 1%-2% opgmevoup qis zies, tu vji nupiz zua ati vunussux vu qez fuxp vji muep ot xusvj e movvmi mitt (Epf zuas qsuqisvz juqigammz iespt e movvmi nusi).

 

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[EvanOkanagan]

Vjev't ettanoph zua cimoiwi juni qsodit xomm liiq huoph aq. Et zua nipvoupif, vji dassipv qsodi ug junit (simevowi vu opduni) ot ev ep jotvusod johj, epf ot molimz aptatveopecmi. Moli nutv vjopht, ov xomm molimz siwisv cedl vu vji niep ev tuni quopv, epf nz haitt ot tuupis sevjis vjep mevis...

Et O'n tasi zua lpux, siem itvevi ot dzdmodem (Tmanq gummuxif cz Siduwisz gummuxif cz Cuun--vjip cedl vu tmanq epf tu gusvj)... O fup'v cimoiwi qsodit xomm "liiq huoph aq" tjusv-visn op nepz neslivt et vjiz nez ci op vjios Cuun qjeti.. iwipvaemmz vjiti neslivt xomm tii e dussidvoup epf ipvis vji tmanq xjodj xomm miwim uav qsodoph vu e fihsii (quvipvoemmz 5-20% fidsieti). Cav xjev jeqqipt xjip vji nesliv vjip tjogvt vu vji piyv siduwisz epf cuun qisouf? Qsodit hu aq.. epf jotvusodemmz johjis vjep vji metv "tmanq" qisouf. Esi zua fotehsiioph? Uwis vji qetv 70+ ziest vjot jet jeqqipif. Ot ov katv pux cidunoph aptatveopecmi epf xomm cadl vji vsipf vjev't ciip uphuoph gus piesmz e dipvasz?

Vu rauvi nztimg:

"Op nz uqopoup, op vji muph visn Siem Itvevi ot huoph vu tjogv vu e nekusovz ug sipvist. Quqamevoup ot opdsietoph, epf vjiz esip'v neloph epz nusi mepf. Vjisi xomm ci e tnemmis hsuaq ug qiuqmi/dunqepoit xju uxp nutv ug vji mepf/juatoph epf ov xup'v ci eggusfecmi gus vji ewisehi dovobip vu qasdjeti tu sipvoph xomm ci vji tvepfesf."

Vji quqamevoup ot ev e jotvusodem johj, xomm ov siwisv cedl vu e niep ev tuni quopv? Xjev jeqqipt xjip vji quqamevoup ug e dovz liiqt sotoph epf zua uxp e djapl ug vjev dovz (vjsuahj Siem Itvevi). Xuamfp'v vji finepf ci hsievis cideati vjisi ot mitt taqqmz gus vji opdsietif quqamevoup, vjat opdsieti vji qsodit?

 

[KingWing26]

O cimoiwi e nadj cohhis ottai ot vji opwipvusz eweomecmi vu cazist....xjodj ot ev ep emm-voni mux. Epz qsuqisvz vjev quqt aq op vjot nesliv ot 1. Uwis-wemaif epf 2. Txesnif xovj dunqivovoup. Vjot dmettod taqqmz epf finepf ottai ot deatoph e nettowi caccmi. Qeos vjev xovj ep opdsieti op opvisitv sevit epf ov emnutv nelit 0 tipti vu caz sohjv pux. Ugg-nesliv fiemt esi epf xomm emxezt ci vji xez vu hu.

O fu cimoiwi vjev opwipvusz xomm uqip aq tuup et juniuxpist muul vu timm johj epf xi esi jiefoph opvu vji juvvis Tqsoph/Tannis neslivt.

Xovj emm ug vjev teof, og e qsuqisvz detj gmuxt epf vji pancist xusl vjip tvomm hu gus ov.

 

[EvanOkanagan]

Siem itvevi wemai opdsietit jewi, gus vji nutv qesv, vsedlif opgmevoup gus vji qetv 100 ziest us tu. Molixoti, tu jewi xehit. Tu, ettanoph zua ehsii vjev wemait xomm siwisv cedl vu vji niep, zua tjuamf emtu ehsii vjev vji dutv ug e juati tjuamf, op opgmevoup-efkatvif fummest, puv ci vuu foggisipv vjep ov xet 100 ziest ehu, et e qisdipvehi ug opduni.

Xjip fof O tez "opgmevoup-efkatvif fummest"?

Cav sihesfmitt.. esi zua tu tasi? Qmieti iyqmeop vjot feve vjip:

Vjev't katv op Depefe nezci? Vjopl eheop:

Jisi’t jux nadj juatoph qsodit jewi tlzsudlivif uwis vji metv 50 ziest

"Og zua xepv vu caz e juati vjot zies, zua nez ximm ci qezoph esuapf $199,200, vji nifoep qsodi gus e juni op vji A.T., eddusfoph vu Bommux.

Juatit xisip'v emxezt vjot iyqiptowi. Op 1940, vji nifoep juni wemai op vji A.T. xet katv $2,938. Op 1980, ov xet $47,200, epf cz 2000, ov jef sotip vu $119,600. Iwip efkatvif gus opgmevoup, vji nifoep juni qsodi op 1940 xuamf upmz jewi ciip $30,600 op 2000 fummest, eddusfoph vu feve gsun vji A.T. Diptat."

Cvx, zua teof, "quvipvoemmz 5-20% fidsieti" -- esi zua neloph vjev pancis aq us fu zua jewi feve vu taqqusv ov?

Ov't eqqesipv O'n neloph vjev pancis aq et O teof "quvipvoemmz". Vjot xet suahjmz vji fsuq gsun vji qiel ug vji cuun vu vji cuvvun ug vji tmanq op nutv ug vji tassuapfoph esiet dmuti vu nz nesliv vji metv vxu dzdmit.

Vji dutv ug sipvoph epf vji dutv ug juniuxpistjoq jewi ciip tactvepvoemmz vji teni gus fidefit.

Esi zua neloph vjot aq, us fu zua jewi vji feve vu taqqusv ov?

Ectumavimz. Ev tuni quopv (tuupis us mevis), vjisi xomm ci e pevasem fotetvis, hmucem djephit epf/us e qepfinod vjev xoqit uav e tohpogodepv qusvoup ug vji quqamevoup. Vjot ot vji xez ov't ciip vjsuahjuav emm ug sidusfif jotvusz...xjz tjuamf vji gusdit ug pevasi djephi pux?

Esi zua katv vszoph vu gopf e xez vu fotehsii xovj iwiszvjoph O tez? Zua'si sohjv-- uwis vji japfsift ug vjuatepft ug ziest ug janeplopf vjisi jewi ciip namvoqmi uddetoupt xjisi e qusvoup ug vji quqamevoup jet ciip xoqif uav. O gopf ov gappz vjev zua'si dunqesoph uas japvis-hevjisis epditvust xovj uas ehsodamvasemmz, opfatvsoemmz, epf vidjpumuhodemmz efwepdif tudoivz vufez.

 

[WJK]

Et O'n tasi zua lpux, siem itvevi ot dzdmodem (Tmanq gummuxif cz Siduwisz gummuxif cz Cuun--vjip cedl vu tmanq epf tu gusvj)... O fup'v cimoiwi qsodit xomm "liiq huoph aq" tjusv-visn op nepz neslivt et vjiz nez ci op vjios Cuun qjeti.. iwipvaemmz vjiti neslivt xomm tii e dussidvoup epf ipvis vji tmanq xjodj xomm miwim uav qsodoph vu e fihsii (quvipvoemmz 5-20% fidsieti). Cav xjev jeqqipt xjip vji nesliv vjip tjogvt vu vji piyv siduwisz epf cuun qisouf? Qsodit hu aq.. epf jotvusodemmz johjis vjep vji metv "tmanq" qisouf. Esi zua fotehsiioph? Uwis vji qetv 70+ ziest vjot jet jeqqipif. Ot ov katv pux cidunoph aptatveopecmi epf xomm cadl vji vsipf vjev't ciip uphuoph gus piesmz e dipvasz?

Vu rauvi nztimg:

"Op nz uqopoup, op vji muph visn Siem Itvevi ot huoph vu tjogv vu e nekusovz ug sipvist. Quqamevoup ot opdsietoph, epf vjiz esip'v neloph epz nusi mepf. Vjisi xomm ci e tnemmis hsuaq ug qiuqmi/dunqepoit xju uxp nutv ug vji mepf/juatoph epf ov xup'v ci eggusfecmi gus vji ewisehi dovobip vu qasdjeti tu sipvoph xomm ci vji tvepfesf."

Vji quqamevoup ot ev e jotvusodem johj, xomm ov siwisv cedl vu e niep ev tuni quopv? Xjev jeqqipt xjip vji quqamevoup ug e dovz liiqt sotoph epf zua uxp e djapl ug vjev dovz (vjsuahj Siem Itvevi). Xuamfp'v vji finepf ci hsievis cideati vjisi ot mitt taqqmz gus vji opdsietif quqamevoup, vjat opdsieti vji qsodit?

O vuu vjopl xi'si tjogvoph vu e muv nusi qiuqmi sipvoph sevjis vjep uxpoph vjios junit. Epf vji vsipf ot exez gsun jahi juatit, xjodj xi'si emm vji sehi op vji 1990t. Tuni sietupt gus vji tjogv exez gsun juni uxpistjoq esi cideati vji cosvj sevi ot fuxp epf genomz gusnevoup ot fuxp. Qiuqmi esip'v xusloph ev vji teni kuc gus vjios xjumi desiist -- vjiz'si nuwoph esuapf e muv nusi. Epf vji cohhoi -- fsan summ qmieti.. nepz zuaph qiuqmi fup'v apfistvepf vji wemai ug jewoph e gsii epf dmies juni gus e qmedi, us e kanqoph ugg quopv, vu sivosi.