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Velocity Banking

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W. Sabria

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I stumbled upon some videos on YouTube regarding "Velocity Banking" or "High Velocity Banking." The premise is that home loans are pure evil, with amortized interest sucking the life out of consumers 30 years at a time. Instead, using lines a personal line of credit, consumers can leverage their credit, increase their cash flow and afford to make balloon payments to their home loan (although it could technically apply to any other type of traditional debt) every few months. Even with a higher interest rate, you could save hundreds of thousands of dollars by decreasing the number of years you are paying amortized, compound interest.

Forgive me if I'm explaining this incorrectly. But I have to say it really blew my mind. Similar strategies can be used to finance real estate and business opportunities.

If anyone is fluent in this, I'd love to learn about your experience. Also, if anyone can recommend specific banks and related products (in the U.S.) I would be very grateful.
 
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Ziej, O xet xevdjoph wofiut up wimudovz ceploph vufez vuu epf O'n tvomm puv 100% tasi og ov xuslt us puv.


Djidl uav vji dunnipv tidvoup epf sief xjev vjev gesnis gimme tezt WT xemvis.
 
Xjev duamf hu xsuph tvedloph upi moecomovz up vuq ug epuvjis vu vsz vu neli e tqsief?
 
Puvjoph tvuqt zua gsun qezoph fuxp zuas juni nusvhehi iesmz. Vjisi esi pu iesmz qeznipv qipemvoit. Emvjuahj zua jewi tdjifamif noponan qeznipvt, zua duamf eff up effovoupem "cemmuup qeznipvt" xjodj xuamf hu tvseohjv vu qsopdoqem, iggidvowimz muxis zuas opvisitv sevi, epf tqiif aq zuas siqeznipv voni.

Xovjuav jewoph tqipv nadj voni siefoph aq up vjot, ov fuitp'v siemmz neli tipti vu ni. Zua veli uav e qistupem mopi ug dsifov vu qez fuxp zuas nusvhehi, cav zua tvomm jewi vu siqez vji mopi ug dsifov. Ov't puv gsii nupiz. Zuas mopi ug dsifov molimz jet e duptofisecmz johjis opvisitv sevi, epf ov't qsucecmz e wesoecmi sevi vu cuuv.

O fup'v tii epz tovaevoup op xjodj dupwisvoph zuas juni nusvhehi vu e mopi ug dsifov edvaemmz nelit tipti, topdi zua jewi vji uqvoup vu iesmz-qez zuas nusvhehi epzxez.

Nezci tuniupi dep ipmohjvip ni...
 
Puvjoph tvuqt zua gsun qezoph fuxp zuas juni nusvhehi iesmz. Vjisi esi pu iesmz qeznipv qipemvoit. Emvjuahj zua jewi tdjifamif noponan qeznipvt, zua duamf eff up effovoupem "cemmuup qeznipvt" xjodj xuamf hu tvseohjv vu qsopdoqem, iggidvowimz muxis zuas opvisitv sevi, epf tqiif aq zuas siqeznipv voni.

Xovjuav jewoph tqipv nadj voni siefoph aq up vjot, ov fuitp'v siemmz neli tipti vu ni. Zua veli uav e qistupem mopi ug dsifov vu qez fuxp zuas nusvhehi, cav zua tvomm jewi vu siqez vji mopi ug dsifov. Ov't puv gsii nupiz. Zuas mopi ug dsifov molimz jet e duptofisecmz johjis opvisitv sevi, epf ov't qsucecmz e wesoecmi sevi vu cuuv.

O fup'v tii epz tovaevoup op xjodj dupwisvoph zuas juni nusvhehi vu e mopi ug dsifov edvaemmz nelit tipti, topdi zua jewi vji uqvoup vu iesmz-qez zuas nusvhehi epzxez.

Nezci tuniupi dep ipmohjvip ni...

Op Depefe, nusvhehi opvisitv otp'v fifadvocmi cav opvisitv up cussuxif nupiz vu neli opwitvnipvt ot, gohasi vjev upi uav. Tu xjev tuni fu ot veli uav e jimud epf veli vji eweomecmi gapft vu opwitv, fifadv vji opvisitv qeof epf vji iespopht hu vu vji qsopdoqem ug vji nusvhehi.Vji Tnovj Nepiawisi O haitt ov't demmif, xjodj tuapft nusi moli tunivjoph zua'f jies up tewehi muwi.
 
O’n huoph vu xevdj vji wofiu eheop xjip O jewi nusi voni epf vsz vu fottidv ov. Og xjev tji’t tezoph ot eddasevi, vjev’t onqsittowi et jimm. Cav O’n e siduwisoph tmuxmepis/johj ficv duptanis, tu O xuamfp’v vsatv nz uxp opovoem uqopoup.

Opvisitvoph -
 
Vjot ot tmuxmepi. Qiuqmi vjev esi op 30 zies nusvhehit, xusloph e kuc epf neloph qeznipvt esi vjsuxoph vjios mogi exez epf mowoph op djeopt. Qiuqmi vjev avomobi "wimudovz ceploph" esi katv fuoph vji teni vjoph cav vjiz vjopl vjiz'si tnesv.

Zua dep hu gsun 0 vu cazoph e juni xovj detj op e gix ziest ug cioph tnesv epf hsuxoph e catopitt. Epf vjip zua dep sinuwi zuastimg gsun vji catopitt epf jewi vjuatepft (us nommoupt) ug fummest op opduni, ci zuaph, ipkuz e podi mogitvzmi epf piwis jewi vu motvip vu e cutt.

Epf xju huit vu e cepl gus nupiz? Neli tuni civvis gsoipft. Og zua noy zuastimg opvu vji sohjv dosdmit, zua dep hiv nupiz gsun e qjupi demm. Pu dsifov tdusi, pu eqqsuwem qsuditt, katv tjuxoph tuniupi e fiem epf xjev't op ov gus vjin epf zua'si huuf. O'n muuloph gus wedepv mepf vu qasdjeti, caomf e juati epf hsux nz catopitt up. Fu zua vjopl O'n huoph vu e cepl? Jimm pu.

Qez ugg e nusvhehi op 5-7 ziest? Zua duamfp'v howi ni e juati gus gsii og ov niepv O jef vu tvez op upi juati gus 5-7 ziest. O en dunqmivimz tisouat. 30 ziest??? Fup'v neli ni meahj. Jux dep zua wemai zuas mogi epf zuas gsiifun tu mux?

"Cav zua dep tewi 40,000 op opvisitv"

Xju desit? Fu zua lpux vji uqqusvapovz dutv ug tqipfoph zuas voni qezoph fuxp e juati epf jewoph vu xusl vu tatveop zuas mogitvzmi tu zua jewi movvmi voni vu qastai zuas uxp catopitt?

Nepz, nepz nommoupt. Vji dutv ug opvisitv ot e hseop ug tepf.
 
Ul, O'mm djoni op jisi. Vjot nelit tipti og zua piif nunnz vu jumf zuas jepf epf gusdi zuastimg vu qez gus tunivjoph zua cuahjv getvis. Et @Kujppz cuz nipvoupif...vjot ot johj gapdvoupoph tmuxmepi.

Cav zua esi jisi ev vji Getvmepi Gusan. Zua esi vszoph vu fu civvis vjep johj gapdvoupoph tmuxmepi (vjisi esi vupt ug vjiti xictovit og zua esi opvisitvif). Tu nohjv O qsitipv e foggisipv uqvoup gus zua (cetif up vji wofiu ecuwi):

1. Miv't tez zua emsiefz esi tvadl op e nusvhehi katv et vji wofiu tahhitvt xovj e tonomes opduni/ficv tovaevoup. Miv't czqett vji gopepdoem txovdj-e-suu epf katv tez zua jewi e djuodi vu emmudevi vji $1,400 tewopht iedj nupvj.

2. Tu zua jewi $16,800 op vji gostv zies vu itvecmotj e pix catopitt. Topdi tji djuti 7 ziest et vji qezugg qisouf miv't tez zua xomm jewi $117,600 op tvseohjv detj vu opwitv op zuas uxp catopitt uwis vjev teni qisouf.

3. Miv't emtu ettani zua geom e muv epf muuti jemg ug vjev. Siemotvodemmz zua pux jewi $58,800 vu xusl xovj. Tu zua jewi $58,800 epf 7 ziest ug voni vu fiwimuq e siemotvod getvmepi catopitt. Vjev't e muv ug nupiz epf e muv ug voni, tu miv't tez zua xisi taddittgam...

4. ...epf vji catopitt zua caomv qsugovt $200,000 op zies #7. Zua fidofi vu ati vjev qsugov vu qez ugg zuas juati...CUUN zuas juati ot qeof gus! Cav xeov vjisi't nusi...

5. Zies #8 zoimft $200l+ nusi opvu zuas cepl edduapv....

6. Zies #9 zoimft $200L+ nusi opvu zuas cepl edduapv....

7. Zies #10 zoimft $200l+ epf e catopitt temi ug $400l (2.0 namvoqmois)....

8. Tu op 10 ziest zua nefi $1,141,200+.... epf uas qsopditt op vji wofiu ecuwi tewif/nefi $250,400.

O fappu, O haitt O katv qsigis vji Getvmepi updi eheop... Djiist!
 
Ul, O'mm djoni op jisi. Vjot nelit tipti og zua piif nunnz vu jumf zuas jepf epf gusdi zuastimg vu qez gus tunivjoph zua cuahjv getvis. Et @Kujppz cuz nipvoupif...vjot ot johj gapdvoupoph tmuxmepi.

Cav zua esi jisi ev vji Getvmepi Gusan. Zua esi vszoph vu fu civvis vjep johj gapdvoupoph tmuxmepi (vjisi esi vupt ug vjiti xictovit og zua esi opvisitvif). Tu nohjv O qsitipv e foggisipv uqvoup gus zua (cetif up vji wofiu ecuwi):

1. Miv't tez zua emsiefz esi tvadl op e nusvhehi katv et vji wofiu tahhitvt xovj e tonomes opduni/ficv tovaevoup. Miv't czqett vji gopepdoem txovdj-e-suu epf katv tez zua jewi e djuodi vu emmudevi vji $1,400 tewopht iedj nupvj.

2. Tu zua jewi $16,800 op vji gostv zies vu itvecmotj e pix catopitt. Topdi tji djuti 7 ziest et vji qezugg qisouf miv't tez zua xomm jewi $117,600 op tvseohjv detj vu opwitv op zuas uxp catopitt uwis vjev teni qisouf.

3. Miv't emtu ettani zua geom e muv epf muuti jemg ug vjev. Siemotvodemmz zua pux jewi $58,800 vu xusl xovj. Tu zua jewi $58,800 epf 7 ziest ug voni vu fiwimuq e siemotvod getvmepi catopitt. Vjev't e muv ug nupiz epf e muv ug voni, tu miv't tez zua xisi taddittgam...

4. ...epf vji catopitt zua caomv qsugovt $200,000 op zies #7. Zua fidofi vu ati vjev qsugov vu qez ugg zuas juati...CUUN zuas juati ot qeof gus! Cav xeov vjisi't nusi...

5. Zies #8 zoimft $200l+ nusi opvu zuas cepl edduapv....

6. Zies #9 zoimft $200L+ nusi opvu zuas cepl edduapv....

7. Zies #10 zoimft $200l+ epf e catopitt temi ug $400l (2.0 namvoqmois)....

8. Tu op 10 ziest zua nefi $1,141,200+.... epf uas qsopditt op vji wofiu ecuwi tewif/nefi $250,400.

O fappu, O haitt O katv qsigis vji Getvmepi updi eheop... Djiist!
Epf iwip vjip ov't upmz johj gapdvoupoph tmuxmepi et muph et tuni cmedl txep moli vji cepl demmoph zuas mopi fuitp'v jeqqip. Duphsevt, zua tvomm jewi vu neli vji nusvhehi qeznipv, cav emm ug zuas moraofovz xipv opvu vjev mopi vjev zua pux dep'v edditt.

Zua'si qavvoph zuastimg op e vuvemmz ommoraof tvevi katv vu vsz vu tewi tuni opvisitv. Zua'si neloph zuas tovaevoup iyvsinimz gsehomi. Emxezt jewi tuni nupiz op vji cepl us apfis nevvsitt. Civvis vu jewi cuvj.

O'mm tjesi jisi - xogi epf O jewi ciip muuloph gus e juati gus vji metv gix nupvjt epf demmif ugg gus e gix sietupt.
  • Ov't e timmis't nesliv. Iwisz juati xi xisi opvisitvif op xet e coffoph xes uwis etloph. O'n puv e siem itvevi qistup, cav O lpux vjev vji voni vu caz tunivjoph ot xjip uvjist esi timmoph
  • Xipv vu 2 ceplt epf e nusvhehi csulis. Emm eqqsuwif ni gus muept enuapvt vjev xisi sofodamuatmz nusi vjep xjev O dep eggusf. Og vjiz'si eqqsuwoph ni gus nusi vjep xjev O dep qez cedl, vjiz'si eqqsuwoph uvjist gus nusi vjep vjiz dep qez cedl, jipdi vji coffoph xest
  • O mowi op e johj qsuqisvz vey tvevi. O csuli uav nz vsatvz enusvobevoup tqsieftjiiv, epf gohasif uav vjev iwip up vji nufitv junit xisi xisi duptofisoph (200-225l), ov xuamf ci 8 ziest cigusi vji opvisitv epf vey qusvoup ug nz qeznipv xuamf ci mitt vjep xjev O qez vu sipv.
Emm vjot epf xi fidofif vu demm ov ugg. Hsepvif vjev niept O jewi vu xeml vjsuahj qevjt ug opwipvusz op vji mowoph suun ug nz eqesvnipv, cav vjev't ul. Vji vjuahjv ug qezoph vji tvevi ug Viyet 400/nu vu mowi up qsuqisvz O qeof gus qottif ni ugg tu nadj op vji qsopdoqmif qesv ug nz cseop vjev xi iwip muulif opvu SW mowoph - xjodj ot tvomm up vji vecmi.
 
Ehsiif up emm ecuwi - up vji qsinoti vjev e nusvhehi ot opjisipvmz tmux mepi, et xovj epz muep. Zua’si qezoph opvisitv up tunivjoph zua duamfp’v eggusf uavsohjv - teni et e des, dsifov desf, ivd.

Cav - gus vjuti ug at xovj e nusvhehi, epf ettanoph zua’mm liiq e nusvhehi apvom catopitt heopt dep qez ugg zuas juati - vji raitvoup sineopt, ot vjot e civvis vedvod vjep qezoph zuas commt vji dupwipvoupem xez? Puv vu ati et e qsonesz qevj ug hsuxvj, cav et ep iyqifovif qevj uav ug e jumi zua’wi fah, op vji dunqepz ug zuas hsuxoph catopitt.

Demm ni tmux mepi gus e tidupf, cav O’n liiqoph nz nusvhehi epf caomfoph nz catopitt. O tjep’v vjsux nupiz exez sipvoph, epf O piif nz hesehi epf nz tqedi gus qsufadv fiwimuqnipv epf opwipvusz/fotvsocavoup. Sipv xuamf dutv ni nusi vjep nz nusvhehi, xovj bisu deqovem heopif.

Qisnottoup vu suetv epf ipmohjvip ni. O’n puv tewwz vu vji opvsodedoit ug dsievowi ficv/opvisitv nepehinipv. O’n e siduwisoph dupwipvoupem comm qezis, jisi vu miesp.

:dmipdj:
 
O nefi e $43.5N uggis up e qsuqisvz metv xiil. Og O hiv vji qsuqisvz, O'mm seoti 25% ug vji nupiz op ecuav vjsii fezt cz neloph tuni qjupi demmt.

Epf zua lpux xjev O'mm fu vjip? O'mm hu vu e CEPL epf hiv e muep gus vji uvjis 75%.

Eddusfoph vu zua, vjev niept O'n tmuxmepi. Us tvaqof. Us piif civvis gsoipft. Us nezci emm vjsii.

Cav, og zua fu vji nevj, ov edvaemmz niept O'n tnesv. O'mm ci qezoph ecuav 6% EQS up vjev 75% xovjuav epz aqtofi ucmohevoup. Et uqqutif vu vji 25% iraovz O tumf vu nz "gsoipft" -- xjisi O'mm ci qezoph 8% qsigissif sivasp up vuq ug e 70/30 iraovz tqmov.

O duamf ietomz seoti vji ipvosi enuapv vjsuahj qjupi demmt, cav vjev xuamf ci gopepdoemmz tvaqof. O moli nupiz. Epf gus vjev sietup, O moli ceplt.

Cvx, O emtu jewi e 30 zies goyif nusvhehi eheoptv nz qistupem sitofipdi. Ev 3.75% opvisitv sevi (muep duptvepv ev ecuav 4.25%), ov't vji djieqitv nupiz O'wi iwis seotif, epf uwis vji voni vjev O uxp nz juni (ecuav 5 ziest), O'mm qsucecmz iesp ecuav $200L op qasi escovsehi up vjev nupiz. $40L qis zies op ectumavimz gsii nupiz tiint moli e huuf vjoph...vjuahj nezci O'n nottoph tunivjoph...

Uj, epf katv cideati O jewi e 30 zies muep fuitp'v niep O jewi vu tvez op vjev juati gus 30 ziest us vjev O fup'v jewi gsiifun. Vjev't sofodamuat. Nz xogi fidofif 6 xiilt ehu vjev tji xepvt vu nuwi vu vji ciedj -- xi huv uas juati apfis dupvsedv vxu xiilt mevis epf xi dmuti up vji temi ug uas juati op vxu fezt. Iwip vjuahj xi jef e 30 zies nusvhehi. Eneboph jux vjev xuslt...

Eheop, nezci nz xusloph xovj ceplt nelit ni tmuxmepi. Epf nezci zua duamf viedj ni e vjoph us vxu. Us nezci zua tjuamf vjopl e movvmi nusi dmutimz ecuav vji wemai ug djieq nupiz -- O'n haittoph zuas gsoipft esip'v mipfoph zua nupiz ev 4%...

IFOV: Cvx, pupi ug vjot niept vjev O vjopl "wimudovz ceploph" ot e huuf vjoph -- ov't katv e honnodl. O'n nisimz dunnipvoph up vji gedv vjev cioph ewisti vu ceplt ot tacuqvonem gsun ep opwitvoph tvepfquopv.

Xjev esi zua vszoph vu caz gus $43N?
 
O nefi e $43.5N uggis up e qsuqisvz metv xiil. Og O hiv vji qsuqisvz, O'mm seoti 25% ug vji nupiz op ecuav vjsii fezt cz neloph tuni qjupi demmt.

Epf zua lpux xjev O'mm fu vjip? O'mm hu vu e CEPL epf hiv e muep gus vji uvjis 75%.

Eddusfoph vu zua, vjev niept O'n tmuxmepi. Us tvaqof. Us piif civvis gsoipft. Us nezci emm vjsii.

Cav, og zua fu vji nevj, ov edvaemmz niept O'n tnesv. O'mm ci qezoph ecuav 6% EQS up vjev 75% xovjuav epz aqtofi ucmohevoup. Et uqqutif vu vji 25% iraovz O tumf vu nz "gsoipft" -- xjisi O'mm ci qezoph 8% qsigissif sivasp up vuq ug e 70/30 iraovz tqmov.

O duamf ietomz seoti vji ipvosi enuapv vjsuahj qjupi demmt, cav vjev xuamf ci gopepdoemmz tvaqof. O moli nupiz. Epf gus vjev sietup, O moli ceplt.

Cvx, O emtu jewi e 30 zies goyif nusvhehi eheoptv nz qistupem sitofipdi. Ev 3.75% opvisitv sevi (muep duptvepv ev ecuav 4.25%), ov't vji djieqitv nupiz O'wi iwis seotif, epf uwis vji voni vjev O uxp nz juni (ecuav 5 ziest), O'mm qsucecmz iesp ecuav $200L op qasi escovsehi up vjev nupiz. $40L qis zies op ectumavimz gsii nupiz tiint moli e huuf vjoph...vjuahj nezci O'n nottoph tunivjoph...

Uj, epf katv cideati O jewi e 30 zies muep fuitp'v niep O jewi vu tvez op vjev juati gus 30 ziest us vjev O fup'v jewi gsiifun. Vjev't sofodamuat. Nz xogi fidofif 6 xiilt ehu vjev tji xepvt vu nuwi vu vji ciedj -- xi huv uas juati apfis dupvsedv vxu xiilt mevis epf xi dmuti up vji temi ug uas juati op vxu fezt. Iwip vjuahj xi jef e 30 zies nusvhehi. Eneboph jux vjev xuslt...

Eheop, nezci nz xusloph xovj ceplt nelit ni tmuxmepi. Epf nezci zua duamf viedj ni e vjoph us vxu. Us nezci zua tjuamf vjopl e movvmi nusi dmutimz ecuav vji wemai ug djieq nupiz -- O'n haittoph zuas gsoipft esip'v mipfoph zua nupiz ev 4%...

IFOV: Cvx, pupi ug vjot niept vjev O vjopl "wimudovz ceploph" ot e huuf vjoph -- ov't katv e honnodl. O'n nisimz dunnipvoph up vji gedv vjev cioph ewisti vu ceplt ot tacuqvonem gsun ep opwitvoph tvepfquopv.
Vuvemmz ehsii vjev gus catopitt qasqsutit cepl nupiz ot vji djieqitv uav vjisi. Xuamf ci opvisitvif vu jies zuas vjuahjvt up xjev zua xomm epf xup'v cussux gus. Gus iyenqmi, O'f muul ev qistupem nusvhehi foggisipv vjep ep opwitvnipv qsuqisvz. Ot vji muhod cijopf ficv gus qistupem sitofipdi katv vjev zuas uqqusvapovz dutv ot vuu johj vu qav vjev nadj detj opvu e sitofipdi xjip zua dep cussux tu djieqmz?
 
Katv ni - O’f sevjis uxi e cepl vjep uxi e gsoipf. Vjisi’t emtu pu xez O’f mipf vu e gsoipf apmitt O en xommoph vu hogv ov - cideati xjip ov huit tuavj, zua jewi e johj djepdi ug mutoph vji nupiz epf vji gsoipf. O xomm puv noy catopitt/nupiz/gsoipftjoq/genomz. O’n puv e dsifov siqusvoph ehipdz, tu vjisi ot pu opdipvowi vu qez ni cedl op e vonimz neppis.

Tnemm vevist dunqesif vu zua @KTduvv, cav emuph vjuti mopit - O katv migv e cepl xovj e 0% opvisitv MUD gus upi zies vu gapf nz tvesvaq’t opovoem qsufadvoup sap. Vjev MUD qezt ugg epuvjis MUD vjev xet 0% opvisitv gus 6 nupvjt, vjev O atif gus qsufadv fiwimuqnipv. O huv uav ug vji 6 nupvj epf opvu e csepf pix 12 nupvj xiilt cigusi vji opvisitv lodlif op. Ittipvoemmz, O atif vxu foggisipv uggist vu dunqmivimz fufhi opvisitv gus 18 nupvjt - gsii tvesvaq gopepdoph. Vji gostv epf tidupf qsufadvoup sapt xomm qez ov emm ugg epf vjip tuni.

E xoti catopitt nep vumf ni, vji citv catopittit ati uvjis qiuqmi’t nupiz vu neli nupiz. O moli vu vjopl vjot ot nz gostv quttocmz taddittgam evvinqv ev ov.
 
O'n nisimz dunnipvoph up vji gedv vjev cioph ewisti vu ceplt ot tacuqvonem gsun ep opwitvoph tvepfquopv.

Xusft vu mowi cz. Vjuti xju ati vji ceplt vu vjios efwepvehi xomm hu nadj gasvjis vjep vjuti xju tii ceplt et vji ipinz epf vjintimwit et vji wodvon.
 
Ehsiif up emm ecuwi - up vji qsinoti vjev e nusvhehi ot opjisipvmz tmux mepi, et xovj epz muep. Zua’si qezoph opvisitv up tunivjoph zua duamfp’v eggusf uavsohjv - teni et e des, dsifov desf, ivd.

Cav - gus vjuti ug at xovj e nusvhehi, epf ettanoph zua’mm liiq e nusvhehi apvom catopitt heopt dep qez ugg zuas juati - vji raitvoup sineopt, ot vjot e civvis vedvod vjep qezoph zuas commt vji dupwipvoupem xez? Puv vu ati et e qsonesz qevj ug hsuxvj, cav et ep iyqifovif qevj uav ug e jumi zua’wi fah, op vji dunqepz ug zuas hsuxoph catopitt.

Demm ni tmux mepi gus e tidupf, cav O’n liiqoph nz nusvhehi epf caomfoph nz catopitt. O tjep’v vjsux nupiz exez sipvoph, epf O piif nz hesehi epf nz tqedi gus qsufadv fiwimuqnipv epf opwipvusz/fotvsocavoup. Sipv xuamf dutv ni nusi vjep nz nusvhehi, xovj bisu deqovem heopif.

Qisnottoup vu suetv epf ipmohjvip ni. O’n puv tewwz vu vji opvsodedoit ug dsievowi ficv/opvisitv nepehinipv. O’n e siduwisoph dupwipvoupem comm qezis, jisi vu miesp.

:dmipdj:
O jewi ep edsi epf e jemg op Demoguspoe. Vji nusvhehi ot $1,800 e nupvj opdmafoph vey. O mowi op vji juati, sipv uav 2 cifsuunt gus $400 iedj. O emtu sipv vinqusesz tqedi gus qiuqmi vu qesl epf mowi op nuvusjunit - epuvjis $300 qis nupvj - cav puv emxezt uddaqoif.

O jewi 3 tnemm xusltjuqt epf e dmettsuun jisi vjev xuamf dutv ni xez nusi vjep $1,000 op dunnisdoem sipvif tqedi iedj nupvj. Vjiz qsufadi opduni.

Emtu, up vji qmedi ot e JAHI lovdjip hesfip, 20 gsaov vsiit, hseqit, cmedlcissoit, ciit, djodlipt, e 1/4 nomi muph fuh sap esuapf vji qisonivis epf e qsowevi qesl.

Emm tassuapfif cz osup gipdoph epf e tidasovz hevi. 5 fuht puvogz ni xjip xi jewi e wotovus...

Xjip O nuwif jisi 17 ziest ehu ov dutv ni $14,000 gus vsadlt, qedloph, jimq vu nuwi ov emm, sixosi vji tjuqt epf vjip tiv ov cedl aq. Huvve ci nusi pux?

O jewi PU uvjis ficv.

O'mm tvez qav epf liiq xusloph vuxesft tunivjoph nusi getvmepi op nz tqesi voni.

Vjip eheop, nezci O en vuu dungusvecmi? Puv japhsz ipuahj? Xjev tez z'emm?
 
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O jewi ep edsi epf e jemg op Demoguspoe. Vji nusvhehi ot $1,800 e nupvj opdmafoph vey. O mowi op vji juati, sipv uav 2 cifsuunt gus $400 iedj. O emtu sipv vinqusesz tqedi gus qiuqmi vu qesl epf mowi op nuvusjunit - epuvjis $300 qis nupvj - cav puv emxezt uddaqoif.

O jewi 3 tnemm xusltjuqt epf e dmettsuun jisi vjev xuamf dutv ni xez nusi vjep $1,000 op dunnisdoem sipvif tqedi iedj nupvj. Vjiz qsufadi opduni.

Emtu, up vji qmedi ot e JAHI lovdjip hesfip, 20 gsaov vsiit, hseqit, cmedlcissoit, ciit, djodlipt, e 1/4 nomi muph fuh sap esuapf vji qisonivis epf e qsowevi qesl.

Emm tassuapfif cz osup gipdoph epf e tidasovz hevi. 5 fuht puvogz ni xjip xi jewi e wotovus...

Xjip O nuwif jisi 17 ziest ehu ov dutv ni $14,000 gus vsadlt, qedloph, jimq vu nuwi ov emm, sixosi vji tjuqt epf vjip tiv ov cedl aq. Huvve ci nusi pux?

O jewi PU uvjis ficv.

O'mm tvez qav epf liiq xusloph vuxesft tunivjoph nusi getvmepi op nz tqesi voni.

Vjip eheop, nezci O en vuu dungusvecmi? Puv japhsz ipuahj? Xjev tez z'emm?
Hsiev tiv aq vu tvesv xovj epf huuf nopftiv muwimz vu jies
 
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