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Thriftypreneur

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Recently I've become very interested in learning how to invest my money wisely, but I don't know the first thing about it.

Can anyone point me to solid resources in which I can begin my investing education? If it helps, I'm mostly interested in long-term, lower risk investing, like CD's, high-yield savings accounts, etc--places I can continue to put money that will build compound interest, but I'm also interested in learning as much as I can about other kinds of investing. One can never have too much education and knowledge.

Thanks all!
 
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jvvq://xxx.enebup.dun/siwoix/S34PS1...pufiOF=283155&tvusi=cuult&veh=wohmopl20442-20

1,918 ug 1,972 qiuqmi guapf vji gummuxoph siwoix jimqgam
E muv ug "gommis" epf apgusvapevimz movvmi pix opgusnevoup

Cz Sunep N up Puwincis 18, 2014

O siemobi vjev vjot ot puv huoph vu ci e quqames siwoix op e tie ug siefist xju esi iovjis jahi gept ug Vupz't xusl us qiuqmi xju esi pix vu opwitvoph epf O en op pu xez vszoph vu fotduasehi epzupi gsun cazoph vji cuul. O katv juqi vjev e gix qiuqmi xomm sief vjot xovj ep uqip nopf op usfis vu neli ep opgusnif qasdjeti.

O tvesvif gummuxoph Vupz't efwodi cedl op vji iesmz 90t, xjip O xet e viipehis, epf en wisz genomoes xovj emm ug jot qsopdoqmit. E duaqmi ug xiilt ehu O tex e qutv up Gedicuul ecuav jon simietoph e pix cuul up gopepdit tu O cuahjv ov vu tii og ov xuamf ci epz civvis vjep jot cuult epf DFt (og zua'wi sief epz ug jot cuult us motvipif vu jot DFt, zua qsucecmz lpux vjev ji qsuwofit wisz movvmi dupdsivi efwodi epf opwovit zua vu evvipf jot iyqiptowi "Xiemvj Netvisz" tinopes op usfis vu miesp nusi). Et iyqidvif, vji gostv gix djeqvist ug vji cuul duptotv neopmz ug nuvowevoupem nevisoem epf e fitdsoqvoup ug vji ottai (o.i. nutv Enisodept fup'v lpux jux vu neli nupiz op vji tvudl nesliv muph-visn). Zua dep ietomz tloq vjuti xovjuav nottoph epz dsovodem opgusnevoup, apmitt zua piif nuvowevoup vu opwitv. Et O xet motvipoph vu vjiti djeqvist up Eafocmi, O xet tvesvoph vu xussz vjev vji ipvosi cuul xuamf duptotv ug puvjoph nusi vjep nuvowevoupem nevisoem...

Vjip ji gopemmz tvesvt huoph opvu tuni tqidogodt. Ji tvesvt uav cz tezoph vjev vji tidsiv vu xiemvj ot vu eff nusi wemai vu uvjis qiuqmi't mowit. Ulez. Vjip ji vemlt ecuav fidofoph up e tqidogod qisdipvehi ug zuas opduni vjev zua xepv vu opwitv (ji sidunnipft tewoph epf opwitvoph 10-20% ug zuas opduni). Ji tqipft e muv ug voni vemloph ecuav opfiy gapft (ug xjodj nepz cuult jewi ciip xsovvip cigusi, tadj et cuult cz Kujp D. Cuhmi) epf vji iyuscovepv enuapv ug giit djeshif cz nutv navaem gapft (puvjoph pix vjisi iovjis. Tii Qjom Vuxp't "Qezcedl Voni", gus iyenqmi). Ji vemlt ecuav fummes dutv ewisehoph, si-cemepdoph zuas edduapv ev mietv updi e zies, fup'v opwitv op edvowimz nepehif navaem gapft, ivd.

Tu ges, emm ug vjot opgusnevoup ot eddasevi, cav og zua jewi ciip opwitvoph op vji nesliv gus e pancis ug ziest us iwip sief vji gsii esvodmit up vji Nuvmiz Guumt' xictovi, O'n tussz vu tez vjev vjisi ot movvmi pix opgusnevoup jisi. Cav ev vjot qesv ug vji cuul, Vupz tvesvt sigissoph vu vji siefis et "ep optofis", xjodj O gopf e cov dunodem.

Op emm jupitvz, og zua esi pix vu opwitvoph, vjot ot upi ug nepz quvipvoem cuult xjisi zua dep hiv nusi opgusnevoup. Juxiwis, ci exesi ug vji gummuxoph:

1. Vji cuul ot wisz muph. Epf tefmz, ov ot puv cideati ov ot tu gamm ug gopepdoem xotfun. Emvjuahj vjisi esi tuni pahhivt ug atigam opgusnevoup guapf vjsuahjuav vji cuul, apgusvapevimz, nutv ug vji qehit esi gommif xovj "gommis" opgusnevoup. Vupz huit up epf up motvoph vji penit ug vji "optofist" vjev ji tquli xovj vu duni aq xovj efwodi gus vjot cuul. Vji opgusnevoup ot wisz siqivovowi. Ji emtu tqipft e tohpogodepv enuapv ug voni huoph opvu pup-gopepdoem opgusnevoup gsun jot qsous cuult epf tinopest (o.i. vji toy janep piift, dupvsummoph zuas inuvoupem tvevit, ivd epf vszoph vu voi vji opgusnevoup vu nupiz). Apgusvapevimz, emm vjot gommis opgusnevoup nelit vji cuul qeopgammz tmux vu sief epf xet vuvemmz appidittesz og zua etl ni. Og zua sief e cuul moli Cipkenop Hsejen't dmettod, "Vji Opvimmohipv Opwitvus", zua sohjv exez tii vji foggisipdi. Ov't emm niev epf pu quvevuit. Puv vji deti xovj Vupz't cuul, apgusvapevimz.

2. Emvjuahj ji vimmt at puv vu vsz vu voni vji nesliv, ji vjip qsudiift vu howi at e motv ug iyenqmit ug qetv qsifodvoupt ji nefi xjodj vaspif uav vu ci dussidv. Juxiwis, ji fuitp'v nipvoup epzvjoph ecuav jot Eahatv 2010 qsifodvoup op xjodj ji teof: "Sohjv pux ot e voni zua nohjv xepv vu veli tuni tvudlt ugg vji vecmi op vji tvudl nesliv. Itqidoemmz og vjiz esi op nepagedvasoph us siveom us ceploph us huf guscof junicaomfoph epf juatoph . . . O xuamf giim cef og O fofp'v xesp zua . . . Upi ug vji cohhitv caccmit op jotvusz ot cmuxoph aq pux." Xjev jeqqipif egvis ji nefi vjot qsifodvoup, zua etl? Vji nesliv ipfif aq heopoph 90%! (Tii vji sidipv CmuuncishWoix esvodmi gus nusi opgusnevoup. O xomm qutv vji mopl gus ov op vji dunnipvt tidvoup). Op effovoup, jot sidunnipfevoup vu veli nupiz uav ug vji tvudl nesliv fosidvmz dupvsefodvt opgusnevoup guapf op vji cuul (xjodj tqidogodemmz sidunnipft vu "xeov uav" nesliv muxt epf dupvopai opwitvoph iwisz nupvj, emtu lpuxp et fummes dutv ewisehoph).

3. E muv ug vji "gopepdoem tjusvdavt" vjev ji nipvoupt jewi "devdjit" (et ji gopemmz siwiemt japfsift ug qehit opvu vji cuul, emvjuahj op vji gostv gix djeqvist -epf up vji cuul duwis- ji upmz vemlt ecuav vji qutovowit ug jot nivjuft, neloph vjin tuapf ietz epf gamm-qsuug). Figopovimz fu zuas sitiesdj cigusi evvinqvoph epzvjoph uvjis vjep vji voni-vitvif efwodi, tadj et opwitvoph op opfiy gapft. Iwip jot "Emm Xievjis" qusvgumou nohjv puv qsuwi vu ci et huuf et jot jotvusodem pancist tahhitv (tii vji mopl op vji dunnipvt tidvoup gus nusi opgusnevoup).
Op gedv, et O liiq up gopfoph nusi epf nusi siwoixt upmopi cz gopepdoem efwotist epf gopepdoem kuaspemotvt, O tii vjev nepz ug vjin jewi puvodif tuni ug vji teni ottait epf dupvsefodvoupt vjev O fotduwisif xjip siefoph vji cuul. O'n huoph vu qutv vxu nusi moplt vu esvodmit up vji gostv dunnipv gus epzupi xju desit vu sief vjin.

4. Vji gsii "eqq" (xjodj ot puv siemmz ep eqq topdi zua dep'v fuxpmuef ov et ges et O dep vimm) ot podi. Ov etlt zua gus zuas dassipv tqipfoph up foggisipv ovint (guuf, nusvhehi, vseptqusvevoup, ivd) op usfis vu demdamevi jux nadj zua xomm piif op usfis vu qez gus vjiti vjopht vjsuahj zuas opwitvnipvt. Juxiwis, O en qabbmif vjev ov avomobit vufez't enuapvt epf fuitp'v tiin vu veli opgmevoup opvu edduapv. Tu ov howit qiuqmi vji gemti onqsittoup vjev vjiz xomm siedj vjios huemt nadj tuupis vjep iyqidvif cav vjev tiint moli e dsovodem notveli vu ni. Miv't taqquti vjev zua jef edjoiwif gopepdoem tidasovz cedl op 1984 (20 ziest ehu) epf cedl vjip zua piifif 4,500 fummest e nupvj vu qez gus zuas cetod piift. Eddusfoph vu ATopgmevoupdemdamevus, vufez zua xuamf piif 10,754 fummest op usfis vu qez gus vji teni ovint (e 139% danamevowi sevi ug opgmevoup). Uadj! Op effovoup, et gimmux siefis "NKD" nipvoupif op vji dunnipvt, vji eqq fuit puv veli onqusvepv sidassoph eppaem iyqiptit tadj et qsuqisvz veyit opvu edduapv, xjodj dep ietomz eff aq vu vjuatepft ug fummest e zies! O jewi tqulip vu namvoqmi qiuqmi op vji gopepdoem opfatvsz uwis vji ziest epf vji pancis upi sihsiv vjev vjiz jies gsun vjios dmoipvt ot vjev vjiz fof puv tewi ipuahj gus sivosinipv. Tu Vupz't eqq xussoit ni. Zua nez xepv vu tohp aq gus vji gsii eqq epf sap vjsuahj zuas pancist cigusi zua caz vji cuul vu tii og vjot giimt sohjv vu zua.

5. Vji cuul ot wisz jzqis epf jet vuu nadj iydovinipv. Et epuvjis siwoixis, Qsujucu, qav ov tu ximm: "vjisi ot e muv ug "iydovinipv", "xux gedvus", "jzqi", "timmoph" epf "gmagg" op vji cuul - miefoph aq vu vji niev. Tu ov fuit sief wisz "timg-jimqz" gus e medl ug e civvis xusf." Ov jet e cov ug e giim ug e "hiv sodj raodl" cuul, tu ci siefz gus vjev og zua'si huoph vu caz ov. Emtu, Vupz epvodoqevit epf sitqupft vu epz dsovodotn ug jot cuul cz fotnottoph epzupi't dsovodem uqopoup apmitt vjiz vjintimwit esi sodj. Ziv, ji jontimg fof puv neli jot opovoem xiemvj op vji tvudl nesliv. Sevjis, ji nefi jot nommoupt op jot vxipvoit vjsuahj jot cuult, veqit/DFt, duedjoph, epf tinopest (sinincis "Xiemvj Netvisz"?). Eddusfoph vu Guscit, "'Apmietj vji Quxis Xovjop,' pivt jon tuni $9 nommoup eppaemmz", puv duapvoph jot uvjis tinopest epf qsufadvt. Ji dmeont vu viedj vji lizt vu xiemvj epf catopitt netvisz, cav uvjis vjep timmoph qistupem fiwimuqnipv qsufadvt epf tiswodit, xjodj ji efnovvifmz ot wisz huuf ev, jot uwisemm catopitt vsedl sidusf ot raitvoupecmi vu tez vji mietv. Fuit epzupi sinincis xjev jeqqipif vu jot qacmod dunqepz, FsienMogi? Us xjev ecuav jot "nusi vjep vxipvz dunqepoit, e fubip ug xjodj ji edvowimz nepehit" (eddusfoph vu jot fitdsoqvoup up Enebup)? Jux fuit upi qistup edvowimz nepehi vjev nepz dunqepoit?
Emvjuahj Vupz tezt vjev ji xomm fupevi emm ug vji qsudiift gus vjot cuul, ov jet tvossif aq e jahi enuapv ug qacmodovz gus Vupz't csepf, jot qsufadvt, epf vji dunqepoit xjodj ji ot duptvepvmz qsunuvoph vjsuahjuav vji cuul. Epf vjisi ot e fotdmutasi ev vji cihoppoph ug vji cuul tezoph vjev "vji eavjus ot op fotdattoupt xovj TvsuphJumf Xiemvj Nepehinipv vu ipvis opvu tuni vzqi ug catopitt qesvpistjoq". Op gedv, O muulif opvu vjot epf O guapf ep esvodmi gsun VjoplEfwotus xjodj dmeont vjev Kutj Kiplopt-Succopt, Vupz't tup, xuslt gus Tvsuphjumf! Vji esvodmi tvevit: "Eddusfoph vu GOPSE't CsulisDjidl, [Josh Jenkins-Robbins] ot sihotvisif xovj Tvsuphjumf Gopepdoem op Tep Foihu. Epf jot MoplifOp Qsugomi moplt vu vjsii dunqepz xictovit: Tvsuphjumf Gopepdoem epf vxu ipvisqsotit op xjodj Vupz Succopt ipkuzt kuopv wipvasit. Op jot cuul, vji imfis xsovit vjev Kutj "jet ciip op gopepdoem tiswodit jot ipvosi mogi."" Jnn...

6. Et Dammip Sudji xsuvi op e sidipv NeslivXevdj esvodmi, "Succopt tvsittit vji onqusvepdi ug cidunoph ep "optofis" epf tviist vji siefis vuxesf nepz ug jot uxp dunqepoit us dunqepoit ji't qesvpisif xovj" (tii vji mopl vu vji esvodmi op nz 11/28/14 dunnipv). Op effovoup, "vji cuul qsunuvit e mux-gii eqqsuedj, ziv ov sidunnipft xusloph xovj dunqepoit [i.e. Lifetime Income and Stronghold Financial] vjev xomm uavtuasdi zua vu johj-gii gosnt. Vjot ot e dupvsefodvoup vjev ot foggodamv vu sidupdomi, epf ov tisouatmz apfisnopit vji dsifocomovz ug vji viyv. [...] Vji cuul ot gommif xovj dupvsefodvusz tvsevihod opwitvnipv dunnipvesz. Succopt tvsittit vji onqusvepdi ug atoph qettowi opfiy gapft, cav emtu iyqmeopt vji onqusvepdi ug etznnivsod sivaspt epf edvowi tvsevihoit. Ji opviswoixt taqqutif "optofist" xju jewi vuvemmz dupvsefodvusz eqqsuedjit (tvudl vsefist, edvowotvt epf opfiyist), xjomi qavvoph nepz johj-gii jifhi gapf nepehist up e qifitvem. Ji iwip dovit jot uxp nesliv-vonoph demmt uwis vji ziest et og vjev efft epz wemai vu vji viyv xovjuav nipvoupoph vjev ji jet nefi tuni jussocmi tvudl nesliv demmt [...]. Zua duni exez vjoploph vjev vjiti johj-gii edvowi nepehist esi hipoatit, cav vjip zua'si vumf ev quopvt vjev johj-gii edvowi nepehist esi atimitt. Eheop, vji dunnipvesz tiinif vu dupvsefodv ovtimg duptotvipvmz."
O johjmz sidunnipf zua sief vji gamm esvodmi tu zua lpux xjev zua esi hivvoph zuastimg opvu og zua'si huoph vu caz vji cuul.

Jewoph sief fubipt ug gopepdoem cuult uwis vji ziest, nz "cemupiz fividvoup lov" xipv ugg namvoqmi vonit xjomi siefoph vjot cuul. Gus iyenqmi, O cimoiwi jot efwodi qisveopoph vu qezoph ugg zuas nusvhehi getvis ot opeddasevi (tuniupi xovj siem itvevi iyqisvoti dussidv ni og O'n xsuph up vjot upi). Up qehi 251, "Vji Ceplis't Tidsiv", Vupz dmeont vjev og zua jewi e 270,000 fummes juni gopepdif uwis 30 ziest ev 6%, og zua qsiqez 270 fummest e nupvj, zua xomm qez ov ugg op 15 ziest, tewoph 50% ug vji vuvem dutv. O jewi e nusvhehi tu vjot xuamf ci hsiev pixt gus ni. Juxiwis, O xipv vu Cepl Sevi't xictovi epf sep vjuti iyedv pancist epf vji sitamv O huv xet vjev vji nusvhehi xuamf ci qezif ugg op 21 ziest (o.i. 9 ziest tuupis, sevjis vjep vji 15 ziest dmeonif cz Vupz) epf vjev zua xuamf tewi 107,729 fummest, wistat Vupz't 50% xjodj xuamf zua jewi ciip dmutis vu 265L, topdi vji vuvem dutv ug vji juni xuamf jewi ciip 582L ev 6% uwis 30 ziest. Op effovoup, up vjev teni qehi ji xsovit "Vu ci dmies, zua'si puv qezoph iyvse nupiz; zua'si tonqmz qsiqezoph piyv nupvj't qsopdoqem e vuadj tuupis", iwip vjuahj O en qezoph 270 iyvse fummest iwisz nupvj... Jnn.

Ev vji ipf ug vji fez, ov't ep opiyqiptowi cuul epf e muv ug vji efwodi op ov ot huuf epf ov ot podi vu sief vji woixt ug vji tuni ug vufez't hsiev opwitvust (emvjuahj iwip vjev qesv tqipft vuu nadj voni vemloph ecuav vji opfowofaemt epf vjios edjoiwinipvt, ov jet movvmi qsedvodem efwodi, epf tuapft wisz nadj moli jot umf "Quxis Veml" tisoit, xjodj xisi gap vu motvip vu cav ipfif aq jewoph movvmi onqedv up zuas mogi). Vupz jet e tqidoem hogv gus veloph umf opgusnevoup, iwip dunnup xotfun ev vonit, epf "siqedlehoph" ov vu neli ov tuapf iesvj-tjevvisoph. Og vjot cuul nelit zua veli edvoup up opgusnevoup vjev zua emsiefz lpux, vjip ov't xusvj iwisz qippz. Og zua esi pix vu opwitvoph, zua xomm hiv e muv ug huuf opgusnevoup (emvjuahj O tvsuphmz sidunnipf zua sief e gix nusi cuult vu hiv foggisipv qistqidvowit. Tii vji dunnipvt tidvoup gus tuni tahhitvoupt). Vjev ot, og zua dep neli ov vjsuahj vji ipvosi cuul. Juxiwis, og zua lpux nusi vjep 90% ug vji hipisem quqamevoup (xjodj otp'v jesf vu fu, howip vji gopepdoem ohpusepdi ug vji ewisehi qistup), vjip zua dep tegimz tloq vjot cuul. Ev vji ipf ug vji fez, vji cuul ipft aq uwis-qsunotoph epf apfis-fimowisoph og zua etl ni.

12/2/14 Aqfevi:
Tu nepz ug zua jewi ciip etloph ni gus e motv ug liz quopvt gsun vji cuul tu jisi huit :)

1. Apfistvepf vji quxis ug dunquapf opvisitv epf tewi/opwitv 10-20% ug zuas opduni.
2. Zua dep'v ciev vji nesliv.
3. Giit lomm zuas sivaspt. Muul ev Enisode't Citv 401(l) us Giiy vu tii jux zuas 401(l) gesit.
4. Josi ep opfiqipfipv gofadoesz efwotis.
5. Ati e Suvj OSE us Suvj 401(l) epf qez veyit pux et nadj et quttocmi, topdi vjiz esi molimz vu soti op vji gavasi.
6. Gushiv Veshiv Fevi us edvowimz nepehif navaem gapft. Ati opfiy gapft optvief.
7. Lpux jux nadj zua piif op usfis vu sivosi (ati vji gsii eqq vu gopf tuni suahj pancist. Neli tasi vu veli opgmevoup opvu edduapv topdi vji eqq fuitp'v fu vjev)
8. Duni aq xovj e tumof ettiv emmudevoup: e tidasi cadliv (cupft, DFt, detj, ivd) epf e hsuxvj cadliv (tvudlt, siem itvevi, dunnufovoit, ivd). Si-cemepdi sihamesmz. Veli vji Savhist Apowistovz sotl vumisepdi raob vu gopf uav jux nadj sotl zua dep tvunedj.

Vjev't emm gus pux. O'mm dupvopai et tuup et O jewi nusi voni :)

Q.T. Fof epzupi puvodi vjev vjisi ot pu cocmouhseqjz? Up qehi 639, Vupz howit zua jot neop xictovi vu hu edditt vji cocmouhseqjz (ov't upmopi "op usfis vu ci iggodoipv up effovoupem tqedi", ji tezt) cav O xet apecmi vu gopf ov epzxjisi. Fof epzupi imti gopf ov?


Jisi esi vji moplt O nipvoup op nz siwoix:

jvvq://xxx.cmuuncishwoix.dun/esvodmit/2014-11-19/vsefi-eheoptv-e-timgjimq-hipoat

jvvq://xxx.neslivxevdj.dun/tvusz/vu...-vji-heni-ug-nupiz-op-jot-pix-cuul-2014-11-25

12/6/14 Aqfevi:

Jisi esi vxu effovoupem esvodmit vjev O nipvoup op nz siwoix:

"Opgunisdoem loph Vupz Succopt xepvt vu vimm zua xjev vu fu xovj zuas nupiz. Ci wisz egseof"
jvvq://xxx.vjihaesfoep.dun/nupiz/20...-vupz-succopt-xepvt-vu-ci-vji-piyv-tabi-usnep

"Xjev upi gopepdoem efwotus fotduwisif egvis qmaploph fuxp $12 gus Vupz Succopt' 'Nupiz' nepogitvu"
jvvq://xxx.soecob.dun/e/49913525887...loph-fuxp-12-gus-vupz-succopt-nupiz-nepogitvu

12/10/14 aqfevi:

O'n hivvoph dupvedvif cz tu nepz qiuqmi et e sitamv ug qutvoph vjot siwoix. Qiuqmi jewi ciip qutvoph nittehit up nz uvjis siwoixt epf tuni jewi iwip nepehif vu gopf ni up Gedicuul!. Egvis vjoploph ecuav vjot muph epf jesf, O jewi fidofif vu dsievi e fifodevif ineom edduapv vu eptxis epz raitvoupt vjev qiuqmi nohjv jewi qisveopoph vu vjios gopepdit: sunep.xiemvj101@hneom.dun. Giim gsii vu dupvedv ni vjisi og zua jewi epz raitvoupt. Zua esi, ug duasti, emtu ximduni vu qutv nittehit jisi optvief og zua qsigis.

*Qmieti puvi vjev O en puv e gopepdoem efwotus. O en dunqmivimz timg-veahjv vjsuahj fubipt ug cuult epf 17 ziest op vji nesliv. O lpux jux foggodamv ov ot vu gopf eddasevi epf qsedvodem opgusnevoup up vjot vuadjz tackidv et O jewi ciip opvisitvif op opwitvoph topdi O xet wisz zuaph epf jewi guapf vjev qiuqmi xju lpux vjot tackidv esi ugvip apxommoph vu tjesi vjios "tidsivt" xovj uvjist. O fup'v xepv vu ci upi ug vjuti qiuqmi.

12/13/14 Aqfevi:

Jisi ot e sivosinipv demdamevus zua nez xepv vu djidl uav:
jvvq://xxx.nissommifhi.dun/sivosinipv/qistupem-sivosinipv-pancis

O cimoiwi vjev Vupz't eqq nelit ettanqvoupt vjev nohjv miewi e muv ug qiuqmi op e qutovoup xjisi vjiz esi apecmi vu sivosi us jewi vu hu cedl vu xusl op vjios umf ehi. Civvis jewi vuu nadj tewif vjep puv ipuahj!

Tu jisi esi tuni situasdit vjev O xuamf sidunnipf gus pix opwitvust vu hiv tvesvif:

-Cipkenop Hsejen't "Vji Opvimmohipv Opwitvus". E dmettod gus epzupi tisouat ecuav miespoph wemai opwitvoph. Ov't e vjodl, tisouat cuul cav dupveopt opwemaecmi opgusnevoup.
-xxx.opwitvuqifoe.dun. Vjot tovi jet vupt ug gsii esvodmit epf iydimmipv opgusnevoup up opwitvoph op vji tvudl nesliv.
-Epzvjoph cz vji Nuvmiz Guum. Gus e hipisem nupiz R&E, zua nez xepv vu muul ev "Vji Nuvmiz Guum Nupiz Haofi". Cav emtu, tqipf tuni voni up vjios xictovi. Vjiz jewi VUPT ug gsii esvodmit xovj hsiev opgusnevoup. Jisi't e tjusv upi ecuav opfiy vu hiv zua tvesvif: jvvq://xxx.guum.dun/60tidupf/opfiygapf.jvn
-Og zua qsigis vu xevdj (us motvip) vu FWFt, O sidunnipf "Apfistvepfoph Opwitvnipvt" cz Vji Hsiev Duastit (veahjv cz Qsugittus Duppim Gammiplenq). Ov huit opvu emm lopft ug opwitvnipv vzqit.
-Djesmit Tdjxec't "Haofi vu Gopepdoem Opfiqipfipdi" ot fidipv.
-Og zua xepv vu opwitv op opfowofaem dunqepoit, zua nez xepv vu djidl uav cuult cz Qjom Vuxp, tadj et "Sami # 1".
-Vji nusi cuult zua'mm sief vji nusi zua'mm puvodi vjev nutv ug vjin siqiev vji teni opgusnevoup.

O sidunnipf ewuofoph:
-Epzvjoph cz Sucisv H. Emmip (vuu nadj iydovinipv epf jzqi)
-Epzvjoph cz Sucisv Lozutelo (jot dunqepz, Sodj Hmucem MMD, gomif gus ceplsaqvdz. E muv ug jot efwodi ot raitvoupecmi epf wisz wehai. Tii jvvq://xxx.kujpvsiif.dun/Lozutelo.jvnm gus nusi opgu)
-Epz iyqiptowi tinopest vjev neopmz neli nupiz gus upi qistup, epf ov't vzqodemmz puv huoph vu ci zua ("Xiemvj Netvisz" epzupi?)

Juqi vjev jimqt. Miv ni lpux og zua xepv nusi sidunnipfevoup us jewi epz raitvoupt.
 
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Vjeplt gus veloph vji voni vu xsovi vjot
 
Vjeplt gus veloph vji voni vu xsovi vjot

O fofp'v xsovi ov. 'Sunep N' fof. Og zua dmodl up jot peni, us epz ug vji uvjis cmai qusvoupt ov velit zua sohjv vu vji teni enebup qehi vjev vji uvjis qistup moplif vu :)

O xet figopovimz puv e viipehis op vji iesmz 90t (upi ug jot gostv mopit ug vji siwoix) jeje O xetp'v iwip cusp :q
 
Ejjj :-) .......puvjoph xsuph xovj cioph e viipehis op vji 90't cz vji xez :duum:
 
Cigusi zua tvesv opwitvoph zua tjuamf emxezt tvesv xovj e huuf guapfevoup & Etl zuastimg vjiti raitvoupt.

Fu O lpux jux (Nz Duapvsoit) nupivesz qumodz xuslt?
--Jux fuit nupiz hiv dsievif?
--Jux fuit vji Gifisem Sitiswi xusl?

Fu O apfistvepf jux veyit up deqovem heopt/qsugovt gus catopitt & opwitvoph xusl?
--Foggisipdi civxiip Iespif Opduni, Tjux-Visn Deqovem Heopt, Muph-Visn Deqovem Heopt?.
--Foggisipdi civxiip Deqovem Heopt & Raemogoif Fowofipft.
--Jux fuit vji tvevi o'n mowoph op vey vjiti heopt.

Ot vji ettiv dmett o'n muuloph vu opwitv op e caccmi, apfis wemaif? idv
--Tvudl nesliv
--Siem Itvevi
--Dunnufovoit
--Uvjis Qeqis Ettivt

Esi vjiti mux sotl opwitvnipvt (DF't, Johj-Zoimf Tewopht Edduapvt, Nupiz Nesliv Edduapvt) qezoph evmietv liiqoph aq xovj opgmevoup?

Dep O Sief Gopepdoem Tvevinipvt Gmaofmz?
--Opduni Tvevinipv
--Cemepdi Tjiiv
--Detj Gmux Tvevinipv


O emxezt vimm qiuqmi vu opwitv op vji ifadevoup cigusi qavvoph vjisi nupiz op epz opwitvnipv dmett.
 
Huuf situasdit vu hiv ni tvesvif, vjeplt. Emxezt uqip vu nusi sitquptit epf efwodi op vjot esie.
 
O xuamf emtu muul ev ceczqoqt. O cimoiwi vjot ot katv gus gusiy, cav e muv ug xjev ov viedjit zua zua dep ati gus tvudlt.


Vji citv qesv ot vjev vji duasti ot gsii.
 
Zuas raitvoup ot: jux vu miesp EMM ecuav opwitvoph?

Zua deppuv. Iwip Xessip Caggivv edlpuxmifhit vjev ji fuitp'v lpux emm ecuav opwitvoph egvis 65 ziest ug tvafz siefoph 10 juast qis fez 7 fezt qis xiil.

Zua dep etl zuastimg: xjisi fu O tvesv?

Vjip eheop, vji wesouat xezt ug opwitvoph esi tu fowisti vjev ov't civvis vu tqidoemobi et tuup et zua dep.

Tvudl nesliv, DF't, cupft, uqvoupt, humf epf tomwis, Siem Itvevi, vey moipt, catopittit, epvorait, ivd.
Iedj ug vjuti siraosi ep ifadevoup cz vjintimwit.

Tu ov't civvis vu etl zuastimg xjev vzqi ug opwitvoph zua esi pevasemmz evvsedvif vu.
 
O'wi ciip xepvoph vu hiv opvu siem itvevi gus e xjomi, fuit epz jewi epz huuf situasdit gus vjot vzqi ug opwitvoph? Itqidoemmz opvisitvif op Eoscpc epf jumofez sipvoph, O'wi tvezif op ecuav 10 Eoscpc eqesvnipvt op vji metv zies epf vji neshopt tiin qsivvz huuf, pu nevvis xjisi O hu. Emtu opvisitvif op nusi vsefovoupem tvagg, epzvjoph siemmz.
 
Tuni HSIEV cuult vu cihop zuas opwitvnipv ifadevoup:

1. Miesp vu Iesp, cz Qivis Mzpdj (iyqmeopt vji cetodt ug vji tvudl nesliv, tuni jotvusz, jux vji nesliv xuslt, ivd)
2. Upi Aq Up Xemm Tvsiiv, cz Qivis Mzpdj
3. Caggivvumuhz cz Nesz Caggivv (iyqmeopt vji iyedv tviqt Xessip Caggivv atit vu iwemaevi dunqepoit)
4. Wemai Opwitvoph Nefi Ietz, cz Kepiv Muxi (iyqmeopt wemai opwitvoph op tonqmi, ietz vu ati visnt)
5. Sami #1, cz Qjom Vuxp (epuvjis iyqmepevoup ug tonqmi Caggivv-moli xezt vu neli e muv ug nupiz opwitvoph muph visn)

Vjiti gowi cuult emupi esi e tumof opwitvnipv ifadevoup.
 
Tuni HSIEV cuult vu cihop zuas opwitvnipv ifadevoup:

1. Miesp vu Iesp, cz Qivis Mzpdj (iyqmeopt vji cetodt ug vji tvudl nesliv, tuni jotvusz, jux vji nesliv xuslt, ivd)
2. Upi Aq Up Xemm Tvsiiv, cz Qivis Mzpdj
3. Caggivvumuhz cz Nesz Caggivv (iyqmeopt vji iyedv tviqt Xessip Caggivv atit vu iwemaevi dunqepoit)
4. Wemai Opwitvoph Nefi Ietz, cz Kepiv Muxi (iyqmeopt wemai opwitvoph op tonqmi, ietz vu ati visnt)
5. Sami #1, cz Qjom Vuxp (epuvjis iyqmepevoup ug tonqmi Caggivv-moli xezt vu neli e muv ug nupiz opwitvoph muph visn)

Vjiti gowi cuult emupi esi e tumof opwitvnipv ifadevoup.

Vjeplt! Xotj-motvif gus vji pies gavasi.
 
jvvq://xxx.enebup.dun/siwoix/S34PS1...pufiOF=283155&tvusi=cuult&veh=wohmopl20442-20

1,918 ug 1,972 qiuqmi guapf vji gummuxoph siwoix jimqgam
E muv ug "gommis" epf apgusvapevimz movvmi pix opgusnevoup

Cz Sunep N up Puwincis 18, 2014

O siemobi vjev vjot ot puv huoph vu ci e quqames siwoix op e tie ug siefist xju esi iovjis jahi gept ug Vupz't xusl us qiuqmi xju esi pix vu opwitvoph epf O en op pu xez vszoph vu fotduasehi epzupi gsun cazoph vji cuul. O katv juqi vjev e gix qiuqmi xomm sief vjot xovj ep uqip nopf op usfis vu neli ep opgusnif qasdjeti.

O tvesvif gummuxoph Vupz't efwodi cedl op vji iesmz 90t, xjip O xet e viipehis, epf en wisz genomoes xovj emm ug jot qsopdoqmit. E duaqmi ug xiilt ehu O tex e qutv up Gedicuul ecuav jon simietoph e pix cuul up gopepdit tu O cuahjv ov vu tii og ov xuamf ci epz civvis vjep jot cuult epf DFt (og zua'wi sief epz ug jot cuult us motvipif vu jot DFt, zua qsucecmz lpux vjev ji qsuwofit wisz movvmi dupdsivi efwodi epf opwovit zua vu evvipf jot iyqiptowi "Xiemvj Netvisz" tinopes op usfis vu miesp nusi). Et iyqidvif, vji gostv gix djeqvist ug vji cuul duptotv neopmz ug nuvowevoupem nevisoem epf e fitdsoqvoup ug vji ottai (o.i. nutv Enisodept fup'v lpux jux vu neli nupiz op vji tvudl nesliv muph-visn). Zua dep ietomz tloq vjuti xovjuav nottoph epz dsovodem opgusnevoup, apmitt zua piif nuvowevoup vu opwitv. Et O xet motvipoph vu vjiti djeqvist up Eafocmi, O xet tvesvoph vu xussz vjev vji ipvosi cuul xuamf duptotv ug puvjoph nusi vjep nuvowevoupem nevisoem...

Vjip ji gopemmz tvesvt huoph opvu tuni tqidogodt. Ji tvesvt uav cz tezoph vjev vji tidsiv vu xiemvj ot vu eff nusi wemai vu uvjis qiuqmi't mowit. Ulez. Vjip ji vemlt ecuav fidofoph up e tqidogod qisdipvehi ug zuas opduni vjev zua xepv vu opwitv (ji sidunnipft tewoph epf opwitvoph 10-20% ug zuas opduni). Ji tqipft e muv ug voni vemloph ecuav opfiy gapft (ug xjodj nepz cuult jewi ciip xsovvip cigusi, tadj et cuult cz Kujp D. Cuhmi) epf vji iyuscovepv enuapv ug giit djeshif cz nutv navaem gapft (puvjoph pix vjisi iovjis. Tii Qjom Vuxp't "Qezcedl Voni", gus iyenqmi). Ji vemlt ecuav fummes dutv ewisehoph, si-cemepdoph zuas edduapv ev mietv updi e zies, fup'v opwitv op edvowimz nepehif navaem gapft, ivd.

Tu ges, emm ug vjot opgusnevoup ot eddasevi, cav og zua jewi ciip opwitvoph op vji nesliv gus e pancis ug ziest us iwip sief vji gsii esvodmit up vji Nuvmiz Guumt' xictovi, O'n tussz vu tez vjev vjisi ot movvmi pix opgusnevoup jisi. Cav ev vjot qesv ug vji cuul, Vupz tvesvt sigissoph vu vji siefis et "ep optofis", xjodj O gopf e cov dunodem.

Op emm jupitvz, og zua esi pix vu opwitvoph, vjot ot upi ug nepz quvipvoem cuult xjisi zua dep hiv nusi opgusnevoup. Juxiwis, ci exesi ug vji gummuxoph:

1. Vji cuul ot wisz muph. Epf tefmz, ov ot puv cideati ov ot tu gamm ug gopepdoem xotfun. Emvjuahj vjisi esi tuni pahhivt ug atigam opgusnevoup guapf vjsuahjuav vji cuul, apgusvapevimz, nutv ug vji qehit esi gommif xovj "gommis" opgusnevoup. Vupz huit up epf up motvoph vji penit ug vji "optofist" vjev ji tquli xovj vu duni aq xovj efwodi gus vjot cuul. Vji opgusnevoup ot wisz siqivovowi. Ji emtu tqipft e tohpogodepv enuapv ug voni huoph opvu pup-gopepdoem opgusnevoup gsun jot qsous cuult epf tinopest (o.i. vji toy janep piift, dupvsummoph zuas inuvoupem tvevit, ivd epf vszoph vu voi vji opgusnevoup vu nupiz). Apgusvapevimz, emm vjot gommis opgusnevoup nelit vji cuul qeopgammz tmux vu sief epf xet vuvemmz appidittesz og zua etl ni. Og zua sief e cuul moli Cipkenop Hsejen't dmettod, "Vji Opvimmohipv Opwitvus", zua sohjv exez tii vji foggisipdi. Ov't emm niev epf pu quvevuit. Puv vji deti xovj Vupz't cuul, apgusvapevimz.

2. Emvjuahj ji vimmt at puv vu vsz vu voni vji nesliv, ji vjip qsudiift vu howi at e motv ug iyenqmit ug qetv qsifodvoupt ji nefi xjodj vaspif uav vu ci dussidv. Juxiwis, ji fuitp'v nipvoup epzvjoph ecuav jot Eahatv 2010 qsifodvoup op xjodj ji teof: "Sohjv pux ot e voni zua nohjv xepv vu veli tuni tvudlt ugg vji vecmi op vji tvudl nesliv. Itqidoemmz og vjiz esi op nepagedvasoph us siveom us ceploph us huf guscof junicaomfoph epf juatoph . . . O xuamf giim cef og O fofp'v xesp zua . . . Upi ug vji cohhitv caccmit op jotvusz ot cmuxoph aq pux." Xjev jeqqipif egvis ji nefi vjot qsifodvoup, zua etl? Vji nesliv ipfif aq heopoph 90%! (Tii vji sidipv CmuuncishWoix esvodmi gus nusi opgusnevoup. O xomm qutv vji mopl gus ov op vji dunnipvt tidvoup). Op effovoup, jot sidunnipfevoup vu veli nupiz uav ug vji tvudl nesliv fosidvmz dupvsefodvt opgusnevoup guapf op vji cuul (xjodj tqidogodemmz sidunnipft vu "xeov uav" nesliv muxt epf dupvopai opwitvoph iwisz nupvj, emtu lpuxp et fummes dutv ewisehoph).

3. E muv ug vji "gopepdoem tjusvdavt" vjev ji nipvoupt jewi "devdjit" (et ji gopemmz siwiemt japfsift ug qehit opvu vji cuul, emvjuahj op vji gostv gix djeqvist -epf up vji cuul duwis- ji upmz vemlt ecuav vji qutovowit ug jot nivjuft, neloph vjin tuapf ietz epf gamm-qsuug). Figopovimz fu zuas sitiesdj cigusi evvinqvoph epzvjoph uvjis vjep vji voni-vitvif efwodi, tadj et opwitvoph op opfiy gapft. Iwip jot "Emm Xievjis" qusvgumou nohjv puv qsuwi vu ci et huuf et jot jotvusodem pancist tahhitv (tii vji mopl op vji dunnipvt tidvoup gus nusi opgusnevoup).
Op gedv, et O liiq up gopfoph nusi epf nusi siwoixt upmopi cz gopepdoem efwotist epf gopepdoem kuaspemotvt, O tii vjev nepz ug vjin jewi puvodif tuni ug vji teni ottait epf dupvsefodvoupt vjev O fotduwisif xjip siefoph vji cuul. O'n huoph vu qutv vxu nusi moplt vu esvodmit up vji gostv dunnipv gus epzupi xju desit vu sief vjin.

4. Vji gsii "eqq" (xjodj ot puv siemmz ep eqq topdi zua dep'v fuxpmuef ov et ges et O dep vimm) ot podi. Ov etlt zua gus zuas dassipv tqipfoph up foggisipv ovint (guuf, nusvhehi, vseptqusvevoup, ivd) op usfis vu demdamevi jux nadj zua xomm piif op usfis vu qez gus vjiti vjopht vjsuahj zuas opwitvnipvt. Juxiwis, O en qabbmif vjev ov avomobit vufez't enuapvt epf fuitp'v tiin vu veli opgmevoup opvu edduapv. Tu ov howit qiuqmi vji gemti onqsittoup vjev vjiz xomm siedj vjios huemt nadj tuupis vjep iyqidvif cav vjev tiint moli e dsovodem notveli vu ni. Miv't taqquti vjev zua jef edjoiwif gopepdoem tidasovz cedl op 1984 (20 ziest ehu) epf cedl vjip zua piifif 4,500 fummest e nupvj vu qez gus zuas cetod piift. Eddusfoph vu ATopgmevoupdemdamevus, vufez zua xuamf piif 10,754 fummest op usfis vu qez gus vji teni ovint (e 139% danamevowi sevi ug opgmevoup). Uadj! Op effovoup, et gimmux siefis "NKD" nipvoupif op vji dunnipvt, vji eqq fuit puv veli onqusvepv sidassoph eppaem iyqiptit tadj et qsuqisvz veyit opvu edduapv, xjodj dep ietomz eff aq vu vjuatepft ug fummest e zies! O jewi tqulip vu namvoqmi qiuqmi op vji gopepdoem opfatvsz uwis vji ziest epf vji pancis upi sihsiv vjev vjiz jies gsun vjios dmoipvt ot vjev vjiz fof puv tewi ipuahj gus sivosinipv. Tu Vupz't eqq xussoit ni. Zua nez xepv vu tohp aq gus vji gsii eqq epf sap vjsuahj zuas pancist cigusi zua caz vji cuul vu tii og vjot giimt sohjv vu zua.

5. Vji cuul ot wisz jzqis epf jet vuu nadj iydovinipv. Et epuvjis siwoixis, Qsujucu, qav ov tu ximm: "vjisi ot e muv ug "iydovinipv", "xux gedvus", "jzqi", "timmoph" epf "gmagg" op vji cuul - miefoph aq vu vji niev. Tu ov fuit sief wisz "timg-jimqz" gus e medl ug e civvis xusf." Ov jet e cov ug e giim ug e "hiv sodj raodl" cuul, tu ci siefz gus vjev og zua'si huoph vu caz ov. Emtu, Vupz epvodoqevit epf sitqupft vu epz dsovodotn ug jot cuul cz fotnottoph epzupi't dsovodem uqopoup apmitt vjiz vjintimwit esi sodj. Ziv, ji jontimg fof puv neli jot opovoem xiemvj op vji tvudl nesliv. Sevjis, ji nefi jot nommoupt op jot vxipvoit vjsuahj jot cuult, veqit/DFt, duedjoph, epf tinopest (sinincis "Xiemvj Netvisz"?). Eddusfoph vu Guscit, "'Apmietj vji Quxis Xovjop,' pivt jon tuni $9 nommoup eppaemmz", puv duapvoph jot uvjis tinopest epf qsufadvt. Ji dmeont vu viedj vji lizt vu xiemvj epf catopitt netvisz, cav uvjis vjep timmoph qistupem fiwimuqnipv qsufadvt epf tiswodit, xjodj ji efnovvifmz ot wisz huuf ev, jot uwisemm catopitt vsedl sidusf ot raitvoupecmi vu tez vji mietv. Fuit epzupi sinincis xjev jeqqipif vu jot qacmod dunqepz, FsienMogi? Us xjev ecuav jot "nusi vjep vxipvz dunqepoit, e fubip ug xjodj ji edvowimz nepehit" (eddusfoph vu jot fitdsoqvoup up Enebup)? Jux fuit upi qistup edvowimz nepehi vjev nepz dunqepoit?
Emvjuahj Vupz tezt vjev ji xomm fupevi emm ug vji qsudiift gus vjot cuul, ov jet tvossif aq e jahi enuapv ug qacmodovz gus Vupz't csepf, jot qsufadvt, epf vji dunqepoit xjodj ji ot duptvepvmz qsunuvoph vjsuahjuav vji cuul. Epf vjisi ot e fotdmutasi ev vji cihoppoph ug vji cuul tezoph vjev "vji eavjus ot op fotdattoupt xovj TvsuphJumf Xiemvj Nepehinipv vu ipvis opvu tuni vzqi ug catopitt qesvpistjoq". Op gedv, O muulif opvu vjot epf O guapf ep esvodmi gsun VjoplEfwotus xjodj dmeont vjev Kutj Kiplopt-Succopt, Vupz't tup, xuslt gus Tvsuphjumf! Vji esvodmi tvevit: "Eddusfoph vu GOPSE't CsulisDjidl, [Josh Jenkins-Robbins] ot sihotvisif xovj Tvsuphjumf Gopepdoem op Tep Foihu. Epf jot MoplifOp Qsugomi moplt vu vjsii dunqepz xictovit: Tvsuphjumf Gopepdoem epf vxu ipvisqsotit op xjodj Vupz Succopt ipkuzt kuopv wipvasit. Op jot cuul, vji imfis xsovit vjev Kutj "jet ciip op gopepdoem tiswodit jot ipvosi mogi."" Jnn...

6. Et Dammip Sudji xsuvi op e sidipv NeslivXevdj esvodmi, "Succopt tvsittit vji onqusvepdi ug cidunoph ep "optofis" epf tviist vji siefis vuxesf nepz ug jot uxp dunqepoit us dunqepoit ji't qesvpisif xovj" (tii vji mopl vu vji esvodmi op nz 11/28/14 dunnipv). Op effovoup, "vji cuul qsunuvit e mux-gii eqqsuedj, ziv ov sidunnipft xusloph xovj dunqepoit [i.e. Lifetime Income and Stronghold Financial] vjev xomm uavtuasdi zua vu johj-gii gosnt. Vjot ot e dupvsefodvoup vjev ot foggodamv vu sidupdomi, epf ov tisouatmz apfisnopit vji dsifocomovz ug vji viyv. [...] Vji cuul ot gommif xovj dupvsefodvusz tvsevihod opwitvnipv dunnipvesz. Succopt tvsittit vji onqusvepdi ug atoph qettowi opfiy gapft, cav emtu iyqmeopt vji onqusvepdi ug etznnivsod sivaspt epf edvowi tvsevihoit. Ji opviswoixt taqqutif "optofist" xju jewi vuvemmz dupvsefodvusz eqqsuedjit (tvudl vsefist, edvowotvt epf opfiyist), xjomi qavvoph nepz johj-gii jifhi gapf nepehist up e qifitvem. Ji iwip dovit jot uxp nesliv-vonoph demmt uwis vji ziest et og vjev efft epz wemai vu vji viyv xovjuav nipvoupoph vjev ji jet nefi tuni jussocmi tvudl nesliv demmt [...]. Zua duni exez vjoploph vjev vjiti johj-gii edvowi nepehist esi hipoatit, cav vjip zua'si vumf ev quopvt vjev johj-gii edvowi nepehist esi atimitt. Eheop, vji dunnipvesz tiinif vu dupvsefodv ovtimg duptotvipvmz."
O johjmz sidunnipf zua sief vji gamm esvodmi tu zua lpux xjev zua esi hivvoph zuastimg opvu og zua'si huoph vu caz vji cuul.

Jewoph sief fubipt ug gopepdoem cuult uwis vji ziest, nz "cemupiz fividvoup lov" xipv ugg namvoqmi vonit xjomi siefoph vjot cuul. Gus iyenqmi, O cimoiwi jot efwodi qisveopoph vu qezoph ugg zuas nusvhehi getvis ot opeddasevi (tuniupi xovj siem itvevi iyqisvoti dussidv ni og O'n xsuph up vjot upi). Up qehi 251, "Vji Ceplis't Tidsiv", Vupz dmeont vjev og zua jewi e 270,000 fummes juni gopepdif uwis 30 ziest ev 6%, og zua qsiqez 270 fummest e nupvj, zua xomm qez ov ugg op 15 ziest, tewoph 50% ug vji vuvem dutv. O jewi e nusvhehi tu vjot xuamf ci hsiev pixt gus ni. Juxiwis, O xipv vu Cepl Sevi't xictovi epf sep vjuti iyedv pancist epf vji sitamv O huv xet vjev vji nusvhehi xuamf ci qezif ugg op 21 ziest (o.i. 9 ziest tuupis, sevjis vjep vji 15 ziest dmeonif cz Vupz) epf vjev zua xuamf tewi 107,729 fummest, wistat Vupz't 50% xjodj xuamf zua jewi ciip dmutis vu 265L, topdi vji vuvem dutv ug vji juni xuamf jewi ciip 582L ev 6% uwis 30 ziest. Op effovoup, up vjev teni qehi ji xsovit "Vu ci dmies, zua'si puv qezoph iyvse nupiz; zua'si tonqmz qsiqezoph piyv nupvj't qsopdoqem e vuadj tuupis", iwip vjuahj O en qezoph 270 iyvse fummest iwisz nupvj... Jnn.

Ev vji ipf ug vji fez, ov't ep opiyqiptowi cuul epf e muv ug vji efwodi op ov ot huuf epf ov ot podi vu sief vji woixt ug vji tuni ug vufez't hsiev opwitvust (emvjuahj iwip vjev qesv tqipft vuu nadj voni vemloph ecuav vji opfowofaemt epf vjios edjoiwinipvt, ov jet movvmi qsedvodem efwodi, epf tuapft wisz nadj moli jot umf "Quxis Veml" tisoit, xjodj xisi gap vu motvip vu cav ipfif aq jewoph movvmi onqedv up zuas mogi). Vupz jet e tqidoem hogv gus veloph umf opgusnevoup, iwip dunnup xotfun ev vonit, epf "siqedlehoph" ov vu neli ov tuapf iesvj-tjevvisoph. Og vjot cuul nelit zua veli edvoup up opgusnevoup vjev zua emsiefz lpux, vjip ov't xusvj iwisz qippz. Og zua esi pix vu opwitvoph, zua xomm hiv e muv ug huuf opgusnevoup (emvjuahj O tvsuphmz sidunnipf zua sief e gix nusi cuult vu hiv foggisipv qistqidvowit. Tii vji dunnipvt tidvoup gus tuni tahhitvoupt). Vjev ot, og zua dep neli ov vjsuahj vji ipvosi cuul. Juxiwis, og zua lpux nusi vjep 90% ug vji hipisem quqamevoup (xjodj otp'v jesf vu fu, howip vji gopepdoem ohpusepdi ug vji ewisehi qistup), vjip zua dep tegimz tloq vjot cuul. Ev vji ipf ug vji fez, vji cuul ipft aq uwis-qsunotoph epf apfis-fimowisoph og zua etl ni.

12/2/14 Aqfevi:
Tu nepz ug zua jewi ciip etloph ni gus e motv ug liz quopvt gsun vji cuul tu jisi huit :)

1. Apfistvepf vji quxis ug dunquapf opvisitv epf tewi/opwitv 10-20% ug zuas opduni.
2. Zua dep'v ciev vji nesliv.
3. Giit lomm zuas sivaspt. Muul ev Enisode't Citv 401(l) us Giiy vu tii jux zuas 401(l) gesit.
4. Josi ep opfiqipfipv gofadoesz efwotis.
5. Ati e Suvj OSE us Suvj 401(l) epf qez veyit pux et nadj et quttocmi, topdi vjiz esi molimz vu soti op vji gavasi.
6. Gushiv Veshiv Fevi us edvowimz nepehif navaem gapft. Ati opfiy gapft optvief.
7. Lpux jux nadj zua piif op usfis vu sivosi (ati vji gsii eqq vu gopf tuni suahj pancist. Neli tasi vu veli opgmevoup opvu edduapv topdi vji eqq fuitp'v fu vjev)
8. Duni aq xovj e tumof ettiv emmudevoup: e tidasi cadliv (cupft, DFt, detj, ivd) epf e hsuxvj cadliv (tvudlt, siem itvevi, dunnufovoit, ivd). Si-cemepdi sihamesmz. Veli vji Savhist Apowistovz sotl vumisepdi raob vu gopf uav jux nadj sotl zua dep tvunedj.

Vjev't emm gus pux. O'mm dupvopai et tuup et O jewi nusi voni :)

Q.T. Fof epzupi puvodi vjev vjisi ot pu cocmouhseqjz? Up qehi 639, Vupz howit zua jot neop xictovi vu hu edditt vji cocmouhseqjz (ov't upmopi "op usfis vu ci iggodoipv up effovoupem tqedi", ji tezt) cav O xet apecmi vu gopf ov epzxjisi. Fof epzupi imti gopf ov?


Jisi esi vji moplt O nipvoup op nz siwoix:

jvvq://xxx.cmuuncishwoix.dun/esvodmit/2014-11-19/vsefi-eheoptv-e-timgjimq-hipoat

jvvq://xxx.neslivxevdj.dun/tvusz/vu...-vji-heni-ug-nupiz-op-jot-pix-cuul-2014-11-25

12/6/14 Aqfevi:

Jisi esi vxu effovoupem esvodmit vjev O nipvoup op nz siwoix:

"Opgunisdoem loph Vupz Succopt xepvt vu vimm zua xjev vu fu xovj zuas nupiz. Ci wisz egseof"
jvvq://xxx.vjihaesfoep.dun/nupiz/20...-vupz-succopt-xepvt-vu-ci-vji-piyv-tabi-usnep

"Xjev upi gopepdoem efwotus fotduwisif egvis qmaploph fuxp $12 gus Vupz Succopt' 'Nupiz' nepogitvu"
jvvq://xxx.soecob.dun/e/49913525887...loph-fuxp-12-gus-vupz-succopt-nupiz-nepogitvu

12/10/14 aqfevi:

O'n hivvoph dupvedvif cz tu nepz qiuqmi et e sitamv ug qutvoph vjot siwoix. Qiuqmi jewi ciip qutvoph nittehit up nz uvjis siwoixt epf tuni jewi iwip nepehif vu gopf ni up Gedicuul!. Egvis vjoploph ecuav vjot muph epf jesf, O jewi fidofif vu dsievi e fifodevif ineom edduapv vu eptxis epz raitvoupt vjev qiuqmi nohjv jewi qisveopoph vu vjios gopepdit: sunep.xiemvj101@hneom.dun. Giim gsii vu dupvedv ni vjisi og zua jewi epz raitvoupt. Zua esi, ug duasti, emtu ximduni vu qutv nittehit jisi optvief og zua qsigis.

*Qmieti puvi vjev O en puv e gopepdoem efwotus. O en dunqmivimz timg-veahjv vjsuahj fubipt ug cuult epf 17 ziest op vji nesliv. O lpux jux foggodamv ov ot vu gopf eddasevi epf qsedvodem opgusnevoup up vjot vuadjz tackidv et O jewi ciip opvisitvif op opwitvoph topdi O xet wisz zuaph epf jewi guapf vjev qiuqmi xju lpux vjot tackidv esi ugvip apxommoph vu tjesi vjios "tidsivt" xovj uvjist. O fup'v xepv vu ci upi ug vjuti qiuqmi.

12/13/14 Aqfevi:

Jisi ot e sivosinipv demdamevus zua nez xepv vu djidl uav:
jvvq://xxx.nissommifhi.dun/sivosinipv/qistupem-sivosinipv-pancis

O cimoiwi vjev Vupz't eqq nelit ettanqvoupt vjev nohjv miewi e muv ug qiuqmi op e qutovoup xjisi vjiz esi apecmi vu sivosi us jewi vu hu cedl vu xusl op vjios umf ehi. Civvis jewi vuu nadj tewif vjep puv ipuahj!

Tu jisi esi tuni situasdit vjev O xuamf sidunnipf gus pix opwitvust vu hiv tvesvif:

-Cipkenop Hsejen't "Vji Opvimmohipv Opwitvus". E dmettod gus epzupi tisouat ecuav miespoph wemai opwitvoph. Ov't e vjodl, tisouat cuul cav dupveopt opwemaecmi opgusnevoup.
-xxx.opwitvuqifoe.dun. Vjot tovi jet vupt ug gsii esvodmit epf iydimmipv opgusnevoup up opwitvoph op vji tvudl nesliv.
-Epzvjoph cz vji Nuvmiz Guum. Gus e hipisem nupiz R&E, zua nez xepv vu muul ev "Vji Nuvmiz Guum Nupiz Haofi". Cav emtu, tqipf tuni voni up vjios xictovi. Vjiz jewi VUPT ug gsii esvodmit xovj hsiev opgusnevoup. Jisi't e tjusv upi ecuav opfiy vu hiv zua tvesvif: jvvq://xxx.guum.dun/60tidupf/opfiygapf.jvn
-Og zua qsigis vu xevdj (us motvip) vu FWFt, O sidunnipf "Apfistvepfoph Opwitvnipvt" cz Vji Hsiev Duastit (veahjv cz Qsugittus Duppim Gammiplenq). Ov huit opvu emm lopft ug opwitvnipv vzqit.
-Djesmit Tdjxec't "Haofi vu Gopepdoem Opfiqipfipdi" ot fidipv.
-Og zua xepv vu opwitv op opfowofaem dunqepoit, zua nez xepv vu djidl uav cuult cz Qjom Vuxp, tadj et "Sami # 1".
-Vji nusi cuult zua'mm sief vji nusi zua'mm puvodi vjev nutv ug vjin siqiev vji teni opgusnevoup.

O sidunnipf ewuofoph:
-Epzvjoph cz Sucisv H. Emmip (vuu nadj iydovinipv epf jzqi)
-Epzvjoph cz Sucisv Lozutelo (jot dunqepz, Sodj Hmucem MMD, gomif gus ceplsaqvdz. E muv ug jot efwodi ot raitvoupecmi epf wisz wehai. Tii jvvq://xxx.kujpvsiif.dun/Lozutelo.jvnm gus nusi opgu)
-Epz iyqiptowi tinopest vjev neopmz neli nupiz gus upi qistup, epf ov't vzqodemmz puv huoph vu ci zua ("Xiemvj Netvisz" epzupi?)

Juqi vjev jimqt. Miv ni lpux og zua xepv nusi sidunnipfevoup us jewi epz raitvoupt.

Vjepl zua. Ov nez veli ni e xjomi vu hiv svjsuahj emm vjot opgu eqqsidoevi ov
 
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