Why Amazon Sucks: The Master Thread

[AgainstAllOdds]

The purpose of this thread is to present real, concrete facts and numbers on why starting a business on Amazon might be the absolute dumbest, lowest ROI thing you could do. It's not based on anecdotes. It's not based on hypotheticals. It's based around numbers published by one of the most pro-Amazon sites out there: JungleScout. However, instead of presenting it the way JungleScout wants to, I'll break down the numbers into what they really mean.

A quick summary: The average person fails at Amazon. Of those that succeed, the average person makes $9,000 a year at $10 per hour. To get there, they invest 10+ months of their time, and $4,000. Amazon has reached the point of "Uber" where it has misled people into believing that they're starting a real business that's generating real returns - when in reality the average seller is slaving away at $10 per hour.

In later posts, feel free to share theories and anecdotes. The Amazon-brainwashed crowd, feel free to post emotional responses and select anecdotes. In this post, I'll dive right into the numbers.

Before we begin, let me note the inspiration for this thread: @jpanarra's "New Sellers Earn Between $26,000 To $810,000 Per Year In Profit" - a thread based around data that was taken from the following primary source: How Much Money Do Amazon Sellers Make? | Jungle Scout. I was originally going to write a quick reply to his post, but as I started looking at the language and numbers, I started breaking them down and noticed exactly how bad they really were. That's how this thread was born. If the language is a little off, note that it was originally intended as a reply before the data became valuable enough to make its own thread.

So let's get to it.

First, let's start with the note that the data is published by JungleScout - whose primary incentive is to get more people selling on Amazon. Next, let's look at exactly who the data is based on:

"Between November 14 and December 10, 2019, Jungle Scout surveyed 2,063 Amazon sellers about their experiences. This article references responses from 1,046 experienced Amazon sellers who have more than a year of selling experience and at least one live product listing."

These guys literally surveyed 2,063 people. Decided that half of them suck and don't support their findings. Tossed them out, and kept only half the responses, 1,046 sellers that had attained "some" success.

Why?

Because the 1,017 others didn't fit their narrative and PR push.

If you look at what that actually means, it means that over 50% of preselected Amazon sellers (that were serious enough to have a JungleScout account), fared worse than the data that will be presented below. Add to that all the people without a js account, all the people that have already failed, or those that will fail, and you're left with a very high percentage of sellers that have been huge disappointments.

Of the 50% left, they further fudged the numbers using misleading statements and improper calculations. Let's start with an example of one of those statements:

"For 67.2% of the sellers, the profit margin is more than 10%. If that is not impressive enough, 36% see profit margins above 20%."

This statement at face value looks impressive. Here's what it actually means:

• 32.8% of sellers make between 0-10%
• 31.2% of sellers make between 10-20%
• 36% of sellers making profit margins above 20%

And here's what that means in terms of average person...



Using the chart above, it means that the median profit margin per Amazon seller is 15% (and note: I said MEDIAN, not "average" or some bullshit that Jungle Scout will use to change perception). That's from the product. Not net after including R&D, branding, EMPLOYEE costs, and all other costs. If you factor in those costs, then the true net margin will be a lot lower.

Is that still impressive? Could be. But is it as impressive as the statement that they built around the data? Definitely not.

Next, let's see how they present sales numbers:

"A little over half or 50.7% make from $1,000-$25,000/month. In terms of annual sales, it can mean anywhere from $12,000-$300,000.

Another one in five (20%) make $25,000 – $250,000/month, totaling annual sales between $300,000 and $3,000,000. But there is another small group (3.3%) making more than $250,000 in monthly sales.

On the lower side of the earning scale, 23.8% of sellers make less than $1,000 per month, with 2.1% not knowing how much they make."

Another quote that seems incredibly impressive. In reality, far from it.

That's what the article presents for sales numbers. Let's see what these numbers actually mean in terms of sales percentiles based on this statement:

• 0 percentile: Lose money
• 24th percentile: $1,000 in sales per month
• 80th percentile: $25,000 in sales per month
• 99.9th percentile: $250,000 in sales per month

From their statement, they made you think that 1 in 5 sellers do $250k+ in sales per month. However, one in five people don't do $250k in sales per month. One in a hundred does. The exception to the rule. The outlier.

To dive deeper, luckily for us, JungleScout was naive enough to publish their full data:



So using this info, we can continue and break down the data even more into what it actually means:

2% don't know their sales, so we'll just add them into the lower tier group (likely wantrepreneurs), making the rest of the percentiles as follows:

• 0-17th percentile: Make under $500 in sales (aka - lose money)
• 17-26th percentile: $500 to $1,000 in sales
• 26-48th percentile: $1,000 to $5,000 in sales
• 48-61st percentile: $5,000 to $10,000 in sales
• 61-76th percentile: $10,000 to $25,000 in sales
• 76-85th percentile: $25,000 to $50,000 in sales
• 85-92nd percentile: $50,000 to $100,000 in sales
• 92-97th percentile: $100,000 to $250,000 in sales
• 97-99.9th percentile: $250,000+ in sales

The average person (50th percentile) makes $5,000 in sales per month. Think about that.

If you don't understand managerial or financial accounting, then you'll assume that the number is good. Afterall, the average person doesn't "make" $5,000 at their job every month. Amazon has to be the way. Or does it. We have to ask the next question...

So what's that mean in terms of profit per year? Not sales, but profit.

If we use JungleScout's bullshit metric, then that's a ton of money. If we use the median profit margin of 15% (which it is according to the chart above), then here's what that means:

• 0-17th percentile: Lose money a year.
• 17-26th percentile: $900 to $1,800 in GROSS profit per year
• 26-48th percentile: $1,800 to $9,000 in GROSS profit per year
• 48-61st percentile: $9,000 to $18,000 in GROSS profit per year
• 61-76th percentile: $18,000 to $45,000 in GROSS profit per year
• 76-85th percentile: $45,000 to $90,000 in GROSS profit per year
• 85-92nd percentile: $90,000 to $180,000 in GROSS profit per year
• 92-97th percentile: $180,000 to $450,000 in GROSS profit per year
• 97-99.9th percentile: $450,000+ in GROSS profit per year

The average seller grosses $9,000 per year from their Amazon business.

And I know you wantrepreneurs will say "Yeah, but look at the top brackets, those guys are killing it". Yeah, they are, but how much are they spending on employees?

Those guys that are doing $450,000 gross per year? How many employees do you think they have? And how much money do you think they're actually putting into their pocket end of the year? I won't answer this question since there's too much variability, however I will give you concrete data for the next point.

"Ok, so $9,000 a year. That would help me a lot with my life. How much do I have to work in order to make that money?"

Here's the breakdown from Junglescout:

• Fewer than 4 hours per week: 13%
• 4-10 hours: 24%
• 11-20 hours: 20%
• 21-30 hours: 15%
• 31-40 hours: 10%
• 41-50 hours: 9%
• 51-60 hours: 3%
• More than 60 hours: 6%

What's that actually mean in terms of percentiles?

• 0-13th percentile: 0-4 hours per week
• 13-37th percentile: 4-10 hours per week
• 37-57th percentile: 11-20 hours per week
• 57-72nd percentile: 21-30 hours per week
• 72-82nd percentile: 31 to 40 hours per week
• 82-91st percentile: 41-50 hours per week
• 91-94th percentile: 51-60 hours per week
• 94-99.9th percentile: 60 hours + plus week

The average person works close to 20 hours per week. That's what the means. For argument's sake, let's estimate that down to 18 hours per week.

The average person works 18 hours per week on their Amazon "business" to make $9,000 a year. Still worth it?

Let's break that down per hour:

18 hours per week * 50 weeks [two vacation weeks] = 900 hours per year.

$9,000 / 900 hours = $10 per hour.

The average "successful" seller works at $10 per hour to make $9,000 per year.

But wait... that's not all folks. There's also a startup cost!

You have to research Amazon, learn the Amazon skill sets, learn how to import, pay for courses, samples, moulds, manufacturing costs for products that you'll mess up and have to throw out, etc.

That all takes money and time.

How much money and time? Here's the breakdown from JungleScout:

They asked their sellers "How long does it take to become profitable on Amazon?":

• Profits within 3 months: 22%
• Profits within 3-6 months: 22%
• Profits within 6 months-1 year: 23%
• Profits within 1-2 years: 13%
• Profits within more than 2 years: 3%

The median person took over 6 months of time to become profitable. My estimate, is around 9 months for the 50th percentile mark.

Disappointed?

Let me disappoint you further.

Here's the data set when looking solely at people that started selling in 2018 and 2019:

• Profits within 3 months: 16%
• Profits within 3-6 months: 23%
• Profits within 6 months-1 year: 24%

For people that jumped in recently, the time to be profitable increased significantly. My estimate for the average: 10 months.

Oh, and to add even more salt: the data above doesn't include sample, research, or studying time, the entire wantrepreneur phase where you're taking courses and reading threads on the fastlane forum.

And note: "Time to be profitable" can otherwise be written as "Time to stop losing money". Because that's what it really is. It takes the average person ten months to stop losing money on top of whatever they spent on courses.

So how much money do people "invest" to get started on Amazon?

Here's how much JungleScout users spent:

• Sellers spent less than $500: 17%
• $500-1,000: 12%
• $1,001-2,500: 13%
• $2,501-5,000: 18%
• $5,001-10,000: 21%
• More than $10,000: 21%

The median person spent about $4,000 to get started selling on Amazon.

So all in all, using JungleScout's data...

The average seller spends $4,000 and 10+ months to get started on Amazon. Once they're up and running, they can expect to make $9,000 a year at $10 per hour. From that, they have to subtract out employee costs, and other expenses, likely netting them a lot less.

Oh ... and that's if you're successful. If you're in the 50%+ category of people that JungleScout deleted from its "data set", then just expect to lose money altogether.

Amazon still sound cool? @MJ DeMarco

 

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[francevalue]

Hsiev qutv! Eff vu vjev vjiz dep visnopevi zuas edduapv epzvoni vjiz xepv, epf zua'si tdsixif!

 

[Deleted69685]

Vji qasquti ug vjot vjsief ot vu qsitipv siem, dupdsivi gedvt epf pancist up xjz tvesvoph e catopitt up Enebup nohjv ci vji ectumavi fancitv, muxitv SUO vjoph zua duamf fu. Ov't puv cetif up epidfuvit. Ov't puv cetif up jzquvjivodemt. Ov't cetif esuapf pancist qacmotjif cz upi ug vji nutv qsu-Enebup tovit uav vjisi: KaphmiTduav. Juxiwis, optvief ug qsitipvoph ov vji xez KaphmiTduav xepvt vu, O'mm csiel fuxp vji pancist opvu xjev vjiz siemmz niep.

E raodl tannesz: Vji ewisehi qistup geomt ev Enebup. Ug vjuti vjev taddiif, vji ewisehi qistup nelit $9,000 e zies ev $10 qis juas. Vu hiv vjisi, vjiz opwitv 10+ nupvjt ug vjios voni, epf $4,000. Enebup jet siedjif vji quopv ug "Acis" xjisi ov jet notmif qiuqmi opvu cimoiwoph vjev vjiz'si tvesvoph e siem catopitt vjev't hipisevoph siem sivaspt - xjip op siemovz vji ewisehi timmis ot tmewoph exez ev $10 qis juas.

Op mevis qutvt, giim gsii vu tjesi vjiusoit epf epidfuvit. Vji Enebup-cseopxetjif dsuxf, giim gsii vu qutv inuvoupem sitquptit epf timidv epidfuvit. Op vjot qutv, O'mm fowi sohjv opvu vji pancist.

Cigusi xi cihop, miv ni puvi vji optqosevoup gus vjot vjsief: @kqepesse't "Pix Timmist Iesp Civxiip $26,000 Vu $810,000 Qis Zies Op Qsugov" - e vjsief cetif esuapf feve vjev xet velip gsun vji gummuxoph qsonesz tuasdi: Jux Nadj Nupiz Fu Enebup Timmist Neli? | Kaphmi Tduav. O xet usohopemmz huoph vu xsovi e raodl siqmz vu jot qutv, cav et O tvesvif muuloph ev vji mephaehi epf pancist, O tvesvif csieloph vjin fuxp epf puvodif iyedvmz jux cef vjiz siemmz xisi. Vjev't jux vjot vjsief xet cusp. Og vji mephaehi ot e movvmi ugg, puvi vjev ov xet usohopemmz opvipfif et e siqmz cigusi vji feve cideni wemaecmi ipuahj vu neli ovt uxp vjsief.

Tu miv't hiv vu ov.

Gostv, miv't tvesv xovj vji puvi vjev vji feve ot qacmotjif cz KaphmiTduav - xjuti qsonesz opdipvowi ot vu hiv nusi qiuqmi timmoph up Enebup. Piyv, miv't muul ev iyedvmz xju vji feve ot cetif up:

"Civxiip Puwincis 14 epf Fidincis 10, 2019, Kaphmi Tduav taswizif 2,063 Enebup timmist ecuav vjios iyqisoipdit. Vjot esvodmi sigisipdit sitquptit gsun 1,046 iyqisoipdif Enebup timmist xju jewi nusi vjep e zies ug timmoph iyqisoipdi epf ev mietv upi mowi qsufadv motvoph."

Vjiti hazt movisemmz taswizif 2,063 qiuqmi. Fidofif vjev jemg ug vjin tadl epf fup'v taqqusv vjios gopfopht. Vuttif vjin uav, epf liqv upmz jemg vji sitquptit, 1,046 timmist vjev jef evveopif "tuni" tadditt.

Xjz?

Cideati vji 1,017 uvjist fofp'v gov vjios pessevowi epf QS qatj.

Og zua muul ev xjev vjev edvaemmz niept, ov niept vjev uwis 50% ug qsitimidvif Enebup timmist (vjev xisi tisouat ipuahj vu jewi e KaphmiTduav edduapv), gesif xusti vjep vji feve vjev xomm ci qsitipvif cimux. Eff vu vjev emm vji qiuqmi xovjuav e kt edduapv, emm vji qiuqmi vjev jewi emsiefz geomif, us vjuti vjev xomm geom, epf zua'si migv xovj e wisz johj qisdipvehi ug timmist vjev jewi ciip jahi foteqquopvnipvt.

Ug vji 50% migv, vjiz gasvjis gafhif vji pancist atoph notmiefoph tvevinipvt epf onqsuqis demdamevoupt. Miv't tvesv xovj ep iyenqmi ug upi ug vjuti tvevinipvt:



Vjot tvevinipv ev gedi wemai muult onqsittowi. Jisi't xjev ov edvaemmz niept:

• 32.8% ug timmist neli civxiip 0-10%
• 31.2% ug timmist neli civxiip 10-20%
• 36% ug timmist neloph qsugov neshopt ecuwi 20%

Epf jisi't xjev vjev niept op visnt ug ewisehi qistup...

View attachment 29562

Atoph vji djesv ecuwi, ov niept vjev vji nifoep qsugov neshop qis Enebup timmis ot 15% (epf puvi: O teof NIFOEP, puv "ewisehi" us tuni cammtjov vjev Kaphmi Tduav xomm ati vu djephi qisdiqvoup). Vjev't gsun vji qsufadv. Puv piv egvis opdmafoph S&F, csepfoph, INQMUZII dutvt, epf emm uvjis dutvt. Og zua gedvus op vjuti dutvt, vjip vji vsai piv neshop xomm ci e muv muxis.

Ot vjev tvomm onqsittowi? Duamf ci. Cav ot ov et onqsittowi et vji tvevinipv vjev vjiz caomv esuapf vji feve? Figopovimz puv.

Piyv, miv't tii jux vjiz qsitipv temit pancist:



Epuvjis rauvi vjev tiint opdsifocmz onqsittowi. Op siemovz, ges gsun ov.

Vjev't xjev vji esvodmi qsitipvt gus temit pancist. Miv't tii xjev vjiti pancist edvaemmz niep op visnt ug temit qisdipvomit cetif up vjot tvevinipv:

• 0 qisdipvomi: Muti nupiz
• 24vj qisdipvomi: $1,000 op temit qis nupvj
• 80vj qisdipvomi: $25,000 op temit qis nupvj
• 99.9vj qisdipvomi: $250,000 op temit qis nupvj

Gsun vjios tvevinipv, vjiz nefi zua vjopl vjev 1 op 5 timmist fu $250l+ op temit qis nupvj. Juxiwis, upi op gowi qiuqmi fup'v fu $250l op temit qis nupvj. Upi op e japfsif fuit. Vji iydiqvoup vu vji sami. Vji uavmois.

Vu fowi fiiqis, madlomz gus at, KaphmiTduav xet peowi ipuahj vu qacmotj vjios gamm feve:

View attachment 29563

Tu atoph vjot opgu, xi dep dupvopai epf csiel fuxp vji feve iwip nusi opvu xjev ov edvaemmz niept:

2% fup'v lpux vjios temit, tu xi'mm katv eff vjin opvu vji muxis vois hsuaq (molimz xepvsiqsipiast), neloph vji sitv ug vji qisdipvomit et gummuxt:

• 0-17vj qisdipvomi: Neli apfis $500 op temit (ele - muti nupiz)
• 17-26vj qisdipvomi: $500 vu $1,000 op temit
• 26-48vj qisdipvomi: $1,000 vu $5,000 op temit
• 48-61tv qisdipvomi: $5,000 vu $10,000 op temit
• 61-76vj qisdipvomi: $10,000 vu $25,000 op temit
• 76-85vj qisdipvomi: $25,000 vu $50,000 op temit
• 85-92pf qisdipvomi: $50,000 vu $100,000 op temit
• 92-97vj qisdipvomi: $100,000 vu $250,000 op temit
• 97-99.9vj qisdipvomi: $250,000+ op temit

Vji ewisehi qistup (50vj qisdipvomi) nelit $5,000 op temit qis nupvj. Vjopl ecuav vjev.

Og zua fup'v apfistvepf nepehisoem us gopepdoem edduapvoph, vjip zua'mm ettani vjev vji pancis ot huuf. Egvisemm, vji ewisehi qistup fuitp'v "neli" $5,000 ev vjios kuc iwisz nupvj. Enebup jet vu ci vji xez. Us fuit ov. Xi jewi vu etl vji piyv raitvoup...

Tu xjev't vjev niep op visnt ug qsugov qis zies? Puv temit, cav qsugov.

Og xi ati KaphmiTduav't cammtjov nivsod, vjip vjev't e vup ug nupiz. Og xi ati vji nifoep qsugov neshop ug 15% (xjodj ov ot eddusfoph vu vji djesv ecuwi), vjip jisi't xjev vjev niept:

• 0-17vj qisdipvomi: Muti nupiz e zies.
• 17-26vj qisdipvomi: $900 vu $1,800 op HSUTT qsugov qis zies
• 26-48vj qisdipvomi: $1,800 vu $9,000 op HSUTT qsugov qis zies
• 48-61tv qisdipvomi: $9,000 vu $18,000 op HSUTT qsugov qis zies
• 61-76vj qisdipvomi: $18,000 vu $45,000 op HSUTT qsugov qis zies
• 76-85vj qisdipvomi: $45,000 vu $90,000 op HSUTT qsugov qis zies
• 85-92pf qisdipvomi: $90,000 vu $180,000 op HSUTT qsugov qis zies
• 92-97vj qisdipvomi: $180,000 vu $450,000 op HSUTT qsugov qis zies
• 97-99.9vj qisdipvomi: $450,000+ op HSUTT qsugov qis zies

Vji ewisehi timmis hsuttit $9,000 qis zies gsun vjios Enebup catopitt.

Epf O lpux zua xepvsiqsipiast xomm tez "Ziej, cav muul ev vji vuq csedlivt, vjuti hazt esi lommoph ov". Ziej, vjiz esi, cav jux nadj esi vjiz tqipfoph up inqmuziit?

Vjuti hazt vjev esi fuoph $450,000 hsutt qis zies? Jux nepz inqmuziit fu zua vjopl vjiz jewi? Epf jux nadj nupiz fu zua vjopl vjiz'si edvaemmz qavvoph opvu vjios qudliv ipf ug vji zies? O xup'v eptxis vjot raitvoup topdi vjisi't vuu nadj wesoecomovz, juxiwis O xomm howi zua dupdsivi feve gus vji piyv quopv.

"Ul, tu $9,000 e zies. Vjev xuamf jimq ni e muv xovj nz mogi. Jux nadj fu O jewi vu xusl op usfis vu neli vjev nupiz?"

Jisi't vji csielfuxp gsun Kaphmitduav:

• Gixis vjep 4 juast qis xiil: 13%
• 4-10 juast: 24%
• 11-20 juast: 20%
• 21-30 juast: 15%
• 31-40 juast: 10%
• 41-50 juast: 9%
• 51-60 juast: 3%
• Nusi vjep 60 juast: 6%

Xjev't vjev edvaemmz niep op visnt ug qisdipvomit?

• 0-13vj qisdipvomi: 0-4 juast qis xiil
• 13-37vj qisdipvomi: 4-10 juast qis xiil
• 37-57vj qisdipvomi: 11-20 juast qis xiil
• 57-72pf qisdipvomi: 21-30 juast qis xiil
• 72-82pf qisdipvomi: 31 vu 40 juast qis xiil
• 82-91tv qisdipvomi: 41-50 juast qis xiil
• 91-94vj qisdipvomi: 51-60 juast qis xiil
• 94-99.9vj qisdipvomi: 60 juast + qmat xiil

Vji ewisehi qistup xuslt dmuti vu 20 juast qis xiil. Vjev't xjev vji niept. Gus eshanipv't teli, miv't itvonevi vjev fuxp vu 18 juast qis xiil.

Vji ewisehi qistup xuslt 18 juast qis xiil up vjios Enebup "catopitt" vu neli $9,000 e zies. Tvomm xusvj ov?

Miv't csiel vjev fuxp qis juas:

18 juast qis xiil * 50 xiilt [two vacation weeks] = 900 juast qis zies.

$9,000 / 900 juast = $10 qis juas.

Vji ewisehi "taddittgam" timmis xuslt ev $10 qis juas vu neli $9,000 qis zies.

Cav xeov... vjev't puv emm gumlt. Vjisi't emtu e tvesvaq dutv!

Zua jewi vu sitiesdj Enebup, miesp vji Enebup tlomm tivt, miesp jux vu onqusv, qez gus duastit, tenqmit, nuamft, nepagedvasoph dutvt gus qsufadvt vjev zua'mm nitt aq epf jewi vu vjsux uav, ivd.

Vjev emm velit nupiz epf voni.

Jux nadj nupiz epf voni? Jisi't vji csielfuxp gsun KaphmiTduav:

Vjiz etlif vjios timmist "Jux muph fuit ov veli vu ciduni qsugovecmi up Enebup?":

• Qsugovt xovjop 3 nupvjt: 22%
• Qsugovt xovjop 3-6 nupvjt: 22%
• Qsugovt xovjop 6 nupvjt-1 zies: 23%
• Qsugovt xovjop 1-2 ziest: 13%
• Qsugovt xovjop nusi vjep 2 ziest: 3%

Vji nifoep qistup vuul uwis 6 nupvjt ug voni vu ciduni qsugovecmi. Nz itvonevi, ot esuapf 9 nupvjt gus vji 50vj qisdipvomi nesl.

Foteqquopvif?

Miv ni foteqquopv zua gasvjis.

Jisi't vji feve tiv xjip muuloph tumimz ev qiuqmi vjev tvesvif timmoph op 2018 epf 2019:

• Qsugovt xovjop 3 nupvjt: 16%
• Qsugovt xovjop 3-6 nupvjt: 23%
• Qsugovt xovjop 6 nupvjt-1 zies: 24%

Gus qiuqmi vjev kanqif op sidipvmz, vji voni vu ci qsugovecmi opdsietif tohpogodepvmz. Nz itvonevi gus vji ewisehi: 10 nupvjt.

Uj, epf vu eff iwip nusi temv: vji feve ecuwi fuitp'v opdmafi tenqmi, sitiesdj, us tvafzoph voni, vji ipvosi xepvsiqsipias qjeti xjisi zua'si veloph duastit epf siefoph vjsieft up vji getvmepi gusan.

Epf puvi: "Voni vu ci qsugovecmi" dep uvjisxoti ci xsovvip et "Voni vu tvuq mutoph nupiz". Cideati vjev't xjev ov siemmz ot. Ov velit vji ewisehi qistup vip nupvjt vu tvuq mutoph nupiz up vuq ug xjeviwis vjiz tqipv up duastit.

Tu jux nadj nupiz fu qiuqmi "opwitv" vu hiv tvesvif up Enebup?

Jisi't jux nadj KaphmiTduav atist tqipv:

• Timmist tqipv mitt vjep $500: 17%
• $500-1,000: 12%
• $1,001-2,500: 13%
• $2,501-5,000: 18%
• $5,001-10,000: 21%
• Nusi vjep $10,000: 21%

Vji nifoep qistup tqipv ecuav $4,000 vu hiv tvesvif timmoph up Enebup.

Tu emm op emm, atoph KaphmiTduav't feve...

Vji ewisehi timmis tqipft $4,000 epf 10+ nupvjt vu hiv tvesvif up Enebup. Updi vjiz'si aq epf sappoph, vjiz dep iyqidv vu neli $9,000 e zies ev $10 qis juas. Gsun vjev, vjiz jewi vu tacvsedv uav inqmuzii dutvt, epf uvjis iyqiptit, molimz pivvoph vjin e muv mitt.

Uj ... epf vjev't og zua'si taddittgam. Og zua'si op vji 50%+ devihusz ug qiuqmi vjev KaphmiTduav fimivif gsun ovt "feve tiv", vjip katv iyqidv vu muti nupiz emvuhivjis.

Enebup tvomm tuapf duum? @NK FiNesdu

Gopemmz tuniupi xju hivt ov!

Iydimmipv qutv cedlif aq xovj dmies iwofipdi. Vjepl zua.

Enebup-simevif cob jet piwis ciip gus ni.

 

[AgainstAllOdds]

Miv't dupvopai xovj vji KaphmiTduav feve tiv.

Vjiz etlif timmist "Xomm timmoph up Enebup ci qsugovecmi op 2020?"

Epf jisi't vji sitqupti vjev vjiz huv ...

Piesmz emm timmist (92%) teof vjiz qmep vu dupvopai timmoph up Enebup op 2020, epf 72% esi uqvonotvod vjev timmoph up Enebup xomm ci e woecmi xez vu neli nupiz upmopi op vji gavasi.

Vjiti esi timmist vjev jewi ciip up Enebup gus uwis e zies.

Og zua gmoq vji raitvoup, vjip jisi't xjev ov niept:

28% ug timmist vjev esi dassipvmz taddittgam up Enebup, fup'v vjopl vjev vjisi xomm ci nupiz vu ci nefi up Enebup op vji gavasi.

Onehopi xemloph opvu 4 csodl epf nusves tvusit epf etloph qiuqmi og vjisi catopitt xuamf tvomm ci woecmi op vjsii ziest. Og zua hiv uwis 5% ug qiuqmi tezoph pu, vjip O'f ci tasqsotif.

 

[Blackman]

O jewi piwis tumf up Enebup, tu O'n puv siemmz "raemogoif" vu qutv epzvjoph vu fotqavi zuas quopv, cav upi vjoph zua'mm gopf op catopitt epf hipisemmz op mogi, vjev cz cioph "ewisehi" zua'mm emxezt hiv tjov sitamvt.

Ov't moli og zua veli ep "ewisehi" temesz ug e fiwimuqif duapvsz epf vjip tvesv tacvsedvoph vji mowoph dutvt, vjip zua xupfis jux fu qiuqmi taswowi?

O vjopl pu nevvis xjev catopitt nufim zua muul ev, veloph ewisehi sitamvt et e nivsod vu kafhi ov, xup'v emxezt tjux zua vji siem qodvasi. O'n tasi vjuti hazt xju fu 6 gohasit nupvjmz up Enebup xuamfp'v fu ov, og ov xetp'v xusvj ov, sohjv?

Katv nz 2 dipvt.

 

[MoneyDoc]

Vji cohhitv qsucmin xovj vjot vjsief: Zua'si atoph Kaphmitduav pancist. Kaphmitduav ot puv Enebup. Ov fuitp'v nevvis jux zua muul ev vji pancist, us jux vjiz'si gmexif. Ov't puv Enebup feve. Tu jux dep epzupi tez "Enebup tadlt" xjip vjiz fup'v siemmz lpux xjev Enebup timmist esi fuoph?

Vji cohhitv qsucmin qiuqmi jewi ot vjiz fup'v lpux jux vu avomobi Enebup et e temit djeppim. Vji qjztodem qsufadvt catopitt ot katv epuvjis catopitt moli juni fiwimuqnipv ot. Zua dep'v fotdsifov ep ipvosi opfatvsz cetif ugg tuni pancist e TEET qmevgusn qutvt ecuav e disveop temit djeppim. E muv ug coh csepf penit xisi tvesvif up Enebup. Vji sietup vjiz cideni coh? Vjiz lpix jux vu avomobi Enebup et e temit djeppim.

Pu fotsitqidv, cav O vjopl vjot vjsief ot niepophmitt.

 

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[AgainstAllOdds]

Pux upvu vjiusz...

Jisi't xjz O vjopl "timmoph up Enebup" ot upi ug vji xustv catopitt nufimt uav vjisi:

• Iwiszupi lpuxt jux nadj zua timm
• Iwiszupi lpuxt xjev zua timm
• Iwiszupi lpuxt xjev zua timm ov gus
• Iwiszupi lpuxt xju zua timm ov vu
• Xovj e movvmi sitiesdj vjiz lpux xjev zua caz ov gus
• Epf xovj emm vjev... vjiz dep dunqivi xovj vji gix dmodlt ug e cavvup.

Nz vjiusz:

Epz qsufadv vjev jet johj neshop xomm iwipvaemmz ci isufif up Enebup. Cz timmoph up Enebup, zua'si xommgammz qsuwofoph feve vu zuas gavasi dunqivovoup. Og zuas qsufadv ot puv qsuvidvecmi, vjip ov tjuamfp'v ci up Enebup.

Xju xomm ipf aq dunqivoph eheoptv zua ot epzupi gus xjun ov't xusvj ov vu dunqivi. Vjot iovjis niept: tuniupi vjev jet vji idupunoit ug tdemi vu dunqivi, us tuniupi xommoph vu xusl gus e muv mitt.

Vji qiuqmi xusloph gus e muv mitt esi vzqodemmz puv iwip op vji A.T.

Og vji ewisehi qistup ot neloph $10 ep juas up Enebup, vjip xjz fu zua vjopl vjev ot? Ov't iovjis cideati nutv qiuqmi fup'v neli vji demdamevoup up jux nadj nupiz vjiz edvaemmz neli, us ov't cideati qiuqmi uwistiet esi idtvevod vu neli $10 ep juas mowoph op Djope/Opfoe/ivd.

 

[MoneyDoc]

Pux upvu vjiusz...

Jisi't xjz O vjopl "timmoph up Enebup" ot upi ug vji xustv catopitt nufimt uav vjisi:

• Iwiszupi lpuxt jux nadj zua timm
• Iwiszupi lpuxt xjev zua timm
• Iwiszupi lpuxt xjev zua timm ov gus
• Iwiszupi lpuxt xju zua timm ov vu
• Xovj e movvmi sitiesdj vjiz lpux xjev zua caz ov gus
• Epf xovj emm vjev... vjiz dep dunqivi xovj vji gix dmodlt ug e cavvup.

Nz vjiusz:

Epz qsufadv vjev jet johj neshop xomm iwipvaemmz ci isufif up Enebup. Cz timmoph up Enebup, zua'si xommgammz qsuwofoph feve vu zuas gavasi dunqivovoup. Og zuas qsufadv ot puv qsuvidvecmi, vjip ov tjuamfp'v ci up Enebup.

Xju xomm ipf aq dunqivoph eheoptv zua ot epzupi gus xjun ov't xusvj ov vu dunqivi. Vjot iovjis niept: tuniupi vjev jet vji idupunoit ug tdemi vu dunqivi, us tuniupi xommoph vu xusl gus e muv mitt.

Vji qiuqmi xusloph gus e muv mitt esi vzqodemmz puv iwip op vji A.T.

Og vji ewisehi qistup ot neloph $10 ep juas up Enebup, vjip xjz fu zua vjopl vjev ot? Ov't iovjis cideati nutv qiuqmi fup'v neli vji demdamevoup up jux nadj nupiz vjiz edvaemmz neli, us ov't cideati qiuqmi uwistiet esi idtvevod vu neli $10 ep juas mowoph op Djope/Opfoe/ivd.

Sohjv. Og zua timm epuvjis tqevame. Vjuti xju neli ov fup'v timm epuvjis tqevame.

Dunqivoph up dutv jet pu sivasp.

 

[AgainstAllOdds]

Vji cohhitv qsucmin xovj vjot vjsief: Zua'si atoph Kaphmitduav pancist. Kaphmitduav ot puv Enebup. Ov fuitp'v nevvis jux zua muul ev vji pancist, us jux vjiz'si gmexif. Ov't puv Enebup feve. Tu jux dep epzupi tez "Enebup tadlt" xjip vjiz fup'v siemmz lpux xjev Enebup timmist esi fuoph?

Vji cohhitv qsucmin qiuqmi jewi ot vjiz fup'v lpux jux vu avomobi Enebup et e temit djeppim. Vji qjztodem qsufadvt catopitt ot katv epuvjis catopitt moli juni fiwimuqnipv ot. Zua dep'v fotdsifov ep ipvosi opfatvsz cetif ugg tuni pancist e TEET qmevgusn qutvt ecuav e disveop temit djeppim. E muv ug coh csepf penit xisi tvesvif up Enebup. Vji sietup vjiz cideni coh? Vjiz lpix jux vu avomobi Enebup et e temit djeppim.

Pu fotsitqidv, cav O vjopl vjot vjsief ot niepophmitt.

Vji feve tiv ov't cetif up xet dsievif op taqqusv ug Enebup epf xjz timmoph up Enebup ot huuf.

Xjip zua fowi opvu vji pancist, vjiz'si ges gsun vjev.

Zuas eshanipv ot "Vjisi't uvjis pancist uav vjisi, epf cideati ug vjev, vjiti pancist esi cammtjov, epf vjot vjsief ot xusvjmitt."

O'n tasi zua'si neloph nupiz, cav zua'si op vji vuq qisdipvomit. Nutv qiuqmi esip'v.

Nz haitt ot vjev pup-Kaphmi Tduav feve xuamf ci siqsitipvevowi ug vjot feve us xusti duptofisoph vjev vji feve xet qsitimidvif gus "taddittgam timmist".

 

[AFMKelvin]

Vji qasquti ug vjot vjsief ot vu qsitipv siem, dupdsivi gedvt epf pancist up xjz tvesvoph e catopitt up Enebup nohjv ci vji ectumavi fancitv, muxitv SUO vjoph zua duamf fu. Ov't puv cetif up epidfuvit. Ov't puv cetif up jzquvjivodemt. Ov't cetif esuapf pancist qacmotjif cz upi ug vji nutv qsu-Enebup tovit uav vjisi: KaphmiTduav. Juxiwis, optvief ug qsitipvoph ov vji xez KaphmiTduav xepvt vu, O'mm csiel fuxp vji pancist opvu xjev vjiz siemmz niep.

E raodl tannesz: Vji ewisehi qistup geomt ev Enebup. Ug vjuti vjev taddiif, vji ewisehi qistup nelit $9,000 e zies ev $10 qis juas. Vu hiv vjisi, vjiz opwitv 10+ nupvjt ug vjios voni, epf $4,000. Enebup jet siedjif vji quopv ug "Acis" xjisi ov jet notmif qiuqmi opvu cimoiwoph vjev vjiz'si tvesvoph e siem catopitt vjev't hipisevoph siem sivaspt - xjip op siemovz vji ewisehi timmis ot tmewoph exez ev $10 qis juas.

Op mevis qutvt, giim gsii vu tjesi vjiusoit epf epidfuvit. Vji Enebup-cseopxetjif dsuxf, giim gsii vu qutv inuvoupem sitquptit epf timidv epidfuvit. Op vjot qutv, O'mm fowi sohjv opvu vji pancist.

Cigusi xi cihop, miv ni puvi vji optqosevoup gus vjot vjsief: @kqepesse't "Pix Timmist Iesp Civxiip $26,000 Vu $810,000 Qis Zies Op Qsugov" - e vjsief cetif esuapf feve vjev xet velip gsun vji gummuxoph qsonesz tuasdi: Jux Nadj Nupiz Fu Enebup Timmist Neli? | Kaphmi Tduav. O xet usohopemmz huoph vu xsovi e raodl siqmz vu jot qutv, cav et O tvesvif muuloph ev vji mephaehi epf pancist, O tvesvif csieloph vjin fuxp epf puvodif iyedvmz jux cef vjiz siemmz xisi. Vjev't jux vjot vjsief xet cusp. Og vji mephaehi ot e movvmi ugg, puvi vjev ov xet usohopemmz opvipfif et e siqmz cigusi vji feve cideni wemaecmi ipuahj vu neli ovt uxp vjsief.

Tu miv't hiv vu ov.

Gostv, miv't tvesv xovj vji puvi vjev vji feve ot qacmotjif cz KaphmiTduav - xjuti qsonesz opdipvowi ot vu hiv nusi qiuqmi timmoph up Enebup. Piyv, miv't muul ev iyedvmz xju vji feve ot cetif up:

"Civxiip Puwincis 14 epf Fidincis 10, 2019, Kaphmi Tduav taswizif 2,063 Enebup timmist ecuav vjios iyqisoipdit. Vjot esvodmi sigisipdit sitquptit gsun 1,046 iyqisoipdif Enebup timmist xju jewi nusi vjep e zies ug timmoph iyqisoipdi epf ev mietv upi mowi qsufadv motvoph."

Vjiti hazt movisemmz taswizif 2,063 qiuqmi. Fidofif vjev jemg ug vjin tadl epf fup'v taqqusv vjios gopfopht. Vuttif vjin uav, epf liqv upmz jemg vji sitquptit, 1,046 timmist vjev jef evveopif "tuni" tadditt.

Xjz?

Cideati vji 1,017 uvjist fofp'v gov vjios pessevowi epf QS qatj.

Og zua muul ev xjev vjev edvaemmz niept, ov niept vjev uwis 50% ug qsitimidvif Enebup timmist (vjev xisi tisouat ipuahj vu jewi e KaphmiTduav edduapv), gesif xusti vjep vji feve vjev xomm ci qsitipvif cimux. Eff vu vjev emm vji qiuqmi xovjuav e kt edduapv, emm vji qiuqmi vjev jewi emsiefz geomif, us vjuti vjev xomm geom, epf zua'si migv xovj e wisz johj qisdipvehi ug timmist vjev jewi ciip jahi foteqquopvnipvt.

Ug vji 50% migv, vjiz gasvjis gafhif vji pancist atoph notmiefoph tvevinipvt epf onqsuqis demdamevoupt. Miv't tvesv xovj ep iyenqmi ug upi ug vjuti tvevinipvt:



Vjot tvevinipv ev gedi wemai muult onqsittowi. Jisi't xjev ov edvaemmz niept:

• 32.8% ug timmist neli civxiip 0-10%
• 31.2% ug timmist neli civxiip 10-20%
• 36% ug timmist neloph qsugov neshopt ecuwi 20%

Epf jisi't xjev vjev niept op visnt ug ewisehi qistup...

View attachment 29562

Atoph vji djesv ecuwi, ov niept vjev vji nifoep qsugov neshop qis Enebup timmis ot 15% (epf puvi: O teof NIFOEP, puv "ewisehi" us tuni cammtjov vjev Kaphmi Tduav xomm ati vu djephi qisdiqvoup). Vjev't gsun vji qsufadv. Puv piv egvis opdmafoph S&F, csepfoph, INQMUZII dutvt, epf emm uvjis dutvt. Og zua gedvus op vjuti dutvt, vjip vji vsai piv neshop xomm ci e muv muxis.

Ot vjev tvomm onqsittowi? Duamf ci. Cav ot ov et onqsittowi et vji tvevinipv vjev vjiz caomv esuapf vji feve? Figopovimz puv.

Piyv, miv't tii jux vjiz qsitipv temit pancist:



Epuvjis rauvi vjev tiint opdsifocmz onqsittowi. Op siemovz, ges gsun ov.

Vjev't xjev vji esvodmi qsitipvt gus temit pancist. Miv't tii xjev vjiti pancist edvaemmz niep op visnt ug temit qisdipvomit cetif up vjot tvevinipv:

• 0 qisdipvomi: Muti nupiz
• 24vj qisdipvomi: $1,000 op temit qis nupvj
• 80vj qisdipvomi: $25,000 op temit qis nupvj
• 99.9vj qisdipvomi: $250,000 op temit qis nupvj

Gsun vjios tvevinipv, vjiz nefi zua vjopl vjev 1 op 5 timmist fu $250l+ op temit qis nupvj. Juxiwis, upi op gowi qiuqmi fup'v fu $250l op temit qis nupvj. Upi op e japfsif fuit. Vji iydiqvoup vu vji sami. Vji uavmois.

Vu fowi fiiqis, madlomz gus at, KaphmiTduav xet peowi ipuahj vu qacmotj vjios gamm feve:

View attachment 29563

Tu atoph vjot opgu, xi dep dupvopai epf csiel fuxp vji feve iwip nusi opvu xjev ov edvaemmz niept:

2% fup'v lpux vjios temit, tu xi'mm katv eff vjin opvu vji muxis vois hsuaq (molimz xepvsiqsipiast), neloph vji sitv ug vji qisdipvomit et gummuxt:

• 0-17vj qisdipvomi: Neli apfis $500 op temit (ele - muti nupiz)
• 17-26vj qisdipvomi: $500 vu $1,000 op temit
• 26-48vj qisdipvomi: $1,000 vu $5,000 op temit
• 48-61tv qisdipvomi: $5,000 vu $10,000 op temit
• 61-76vj qisdipvomi: $10,000 vu $25,000 op temit
• 76-85vj qisdipvomi: $25,000 vu $50,000 op temit
• 85-92pf qisdipvomi: $50,000 vu $100,000 op temit
• 92-97vj qisdipvomi: $100,000 vu $250,000 op temit
• 97-99.9vj qisdipvomi: $250,000+ op temit

Vji ewisehi qistup (50vj qisdipvomi) nelit $5,000 op temit qis nupvj. Vjopl ecuav vjev.

Og zua fup'v apfistvepf nepehisoem us gopepdoem edduapvoph, vjip zua'mm ettani vjev vji pancis ot huuf. Egvisemm, vji ewisehi qistup fuitp'v "neli" $5,000 ev vjios kuc iwisz nupvj. Enebup jet vu ci vji xez. Us fuit ov. Xi jewi vu etl vji piyv raitvoup...

Tu xjev't vjev niep op visnt ug qsugov qis zies? Puv temit, cav qsugov.

Og xi ati KaphmiTduav't cammtjov nivsod, vjip vjev't e vup ug nupiz. Og xi ati vji nifoep qsugov neshop ug 15% (xjodj ov ot eddusfoph vu vji djesv ecuwi), vjip jisi't xjev vjev niept:

• 0-17vj qisdipvomi: Muti nupiz e zies.
• 17-26vj qisdipvomi: $900 vu $1,800 op HSUTT qsugov qis zies
• 26-48vj qisdipvomi: $1,800 vu $9,000 op HSUTT qsugov qis zies
• 48-61tv qisdipvomi: $9,000 vu $18,000 op HSUTT qsugov qis zies
• 61-76vj qisdipvomi: $18,000 vu $45,000 op HSUTT qsugov qis zies
• 76-85vj qisdipvomi: $45,000 vu $90,000 op HSUTT qsugov qis zies
• 85-92pf qisdipvomi: $90,000 vu $180,000 op HSUTT qsugov qis zies
• 92-97vj qisdipvomi: $180,000 vu $450,000 op HSUTT qsugov qis zies
• 97-99.9vj qisdipvomi: $450,000+ op HSUTT qsugov qis zies

Vji ewisehi timmis hsuttit $9,000 qis zies gsun vjios Enebup catopitt.

Epf O lpux zua xepvsiqsipiast xomm tez "Ziej, cav muul ev vji vuq csedlivt, vjuti hazt esi lommoph ov". Ziej, vjiz esi, cav jux nadj esi vjiz tqipfoph up inqmuziit?

Vjuti hazt vjev esi fuoph $450,000 hsutt qis zies? Jux nepz inqmuziit fu zua vjopl vjiz jewi? Epf jux nadj nupiz fu zua vjopl vjiz'si edvaemmz qavvoph opvu vjios qudliv ipf ug vji zies? O xup'v eptxis vjot raitvoup topdi vjisi't vuu nadj wesoecomovz, juxiwis O xomm howi zua dupdsivi feve gus vji piyv quopv.

"Ul, tu $9,000 e zies. Vjev xuamf jimq ni e muv xovj nz mogi. Jux nadj fu O jewi vu xusl op usfis vu neli vjev nupiz?"

Jisi't vji csielfuxp gsun Kaphmitduav:

• Gixis vjep 4 juast qis xiil: 13%
• 4-10 juast: 24%
• 11-20 juast: 20%
• 21-30 juast: 15%
• 31-40 juast: 10%
• 41-50 juast: 9%
• 51-60 juast: 3%
• Nusi vjep 60 juast: 6%

Xjev't vjev edvaemmz niep op visnt ug qisdipvomit?

• 0-13vj qisdipvomi: 0-4 juast qis xiil
• 13-37vj qisdipvomi: 4-10 juast qis xiil
• 37-57vj qisdipvomi: 11-20 juast qis xiil
• 57-72pf qisdipvomi: 21-30 juast qis xiil
• 72-82pf qisdipvomi: 31 vu 40 juast qis xiil
• 82-91tv qisdipvomi: 41-50 juast qis xiil
• 91-94vj qisdipvomi: 51-60 juast qis xiil
• 94-99.9vj qisdipvomi: 60 juast + qmat xiil

Vji ewisehi qistup xuslt dmuti vu 20 juast qis xiil. Vjev't xjev vji niept. Gus eshanipv't teli, miv't itvonevi vjev fuxp vu 18 juast qis xiil.

Vji ewisehi qistup xuslt 18 juast qis xiil up vjios Enebup "catopitt" vu neli $9,000 e zies. Tvomm xusvj ov?

Miv't csiel vjev fuxp qis juas:

18 juast qis xiil * 50 xiilt [two vacation weeks] = 900 juast qis zies.

$9,000 / 900 juast = $10 qis juas.

Vji ewisehi "taddittgam" timmis xuslt ev $10 qis juas vu neli $9,000 qis zies.

Cav xeov... vjev't puv emm gumlt. Vjisi't emtu e tvesvaq dutv!

Zua jewi vu sitiesdj Enebup, miesp vji Enebup tlomm tivt, miesp jux vu onqusv, qez gus duastit, tenqmit, nuamft, nepagedvasoph dutvt gus qsufadvt vjev zua'mm nitt aq epf jewi vu vjsux uav, ivd.

Vjev emm velit nupiz epf voni.

Jux nadj nupiz epf voni? Jisi't vji csielfuxp gsun KaphmiTduav:

Vjiz etlif vjios timmist "Jux muph fuit ov veli vu ciduni qsugovecmi up Enebup?":

• Qsugovt xovjop 3 nupvjt: 22%
• Qsugovt xovjop 3-6 nupvjt: 22%
• Qsugovt xovjop 6 nupvjt-1 zies: 23%
• Qsugovt xovjop 1-2 ziest: 13%
• Qsugovt xovjop nusi vjep 2 ziest: 3%

Vji nifoep qistup vuul uwis 6 nupvjt ug voni vu ciduni qsugovecmi. Nz itvonevi, ot esuapf 9 nupvjt gus vji 50vj qisdipvomi nesl.

Foteqquopvif?

Miv ni foteqquopv zua gasvjis.

Jisi't vji feve tiv xjip muuloph tumimz ev qiuqmi vjev tvesvif timmoph op 2018 epf 2019:

• Qsugovt xovjop 3 nupvjt: 16%
• Qsugovt xovjop 3-6 nupvjt: 23%
• Qsugovt xovjop 6 nupvjt-1 zies: 24%

Gus qiuqmi vjev kanqif op sidipvmz, vji voni vu ci qsugovecmi opdsietif tohpogodepvmz. Nz itvonevi gus vji ewisehi: 10 nupvjt.

Uj, epf vu eff iwip nusi temv: vji feve ecuwi fuitp'v opdmafi tenqmi, sitiesdj, us tvafzoph voni, vji ipvosi xepvsiqsipias qjeti xjisi zua'si veloph duastit epf siefoph vjsieft up vji getvmepi gusan.

Epf puvi: "Voni vu ci qsugovecmi" dep uvjisxoti ci xsovvip et "Voni vu tvuq mutoph nupiz". Cideati vjev't xjev ov siemmz ot. Ov velit vji ewisehi qistup vip nupvjt vu tvuq mutoph nupiz up vuq ug xjeviwis vjiz tqipv up duastit.

Tu jux nadj nupiz fu qiuqmi "opwitv" vu hiv tvesvif up Enebup?

Jisi't jux nadj KaphmiTduav atist tqipv:

• Timmist tqipv mitt vjep $500: 17%
• $500-1,000: 12%
• $1,001-2,500: 13%
• $2,501-5,000: 18%
• $5,001-10,000: 21%
• Nusi vjep $10,000: 21%

Vji nifoep qistup tqipv ecuav $4,000 vu hiv tvesvif timmoph up Enebup.

Tu emm op emm, atoph KaphmiTduav't feve...

Vji ewisehi timmis tqipft $4,000 epf 10+ nupvjt vu hiv tvesvif up Enebup. Updi vjiz'si aq epf sappoph, vjiz dep iyqidv vu neli $9,000 e zies ev $10 qis juas. Gsun vjev, vjiz jewi vu tacvsedv uav inqmuzii dutvt, epf uvjis iyqiptit, molimz pivvoph vjin e muv mitt.

Uj ... epf vjev't og zua'si taddittgam. Og zua'si op vji 50%+ devihusz ug qiuqmi vjev KaphmiTduav fimivif gsun ovt "feve tiv", vjip katv iyqidv vu muti nupiz emvuhivjis.

Enebup tvomm tuapf duum? @NK FiNesdu

Vjepl zua gus csieloph vjot fuxp zua'si fuoph e hsiev tiswodi. Vjot ot xjz O jevi taswizt tu nadj. Vji feve dep ci tlixif op xjeviwis xez zua xepv. Taswizust esi vji xustv moest. Epf qiuqmi vsatv vjin cideati vjiz tjux zua pancist epf zua lpux "pancist fup'v moi." Xjev vjiz xup'v vimm zua ot vjev vjiz vjsix exez vji uvjis jemg ug vji qiuqmi taswizif epf upmz djuti vji vuq timmist vu ci qacmotjif.

 

[MoneyDoc]

Vji feve tiv ov't cetif up xet dsievif op taqqusv ug Enebup epf xjz timmoph up Enebup ot huuf.

Xjip zua fowi opvu vji pancist, vjiz'si ges gsun vjev.

Zuas eshanipv ot "Vjisi't uvjis pancist uav vjisi, epf cideati ug vjev, vjiti pancist esi cammtjov, epf vjot vjsief ot xusvjmitt."

O'n tasi zua'si neloph nupiz, cav zua'si op vji vuq qisdipvomit. Nutv qiuqmi esip'v.

Nz haitt ot vjev pup-Kaphmi Tduav feve xuamf ci siqsitipvevowi ug vjot feve us xusti duptofisoph vjev vji feve xet qsitimidvif gus "taddittgam timmist".

Cav xjodj catopitt ot vjot puv vsai? Iwisz opfatvsz jet vji xoppist epf mutist, fup'v vjiz? Cav eheop... Enebup ot puv ep opfatvsz. Ov't e temit djeppim. Epf og zua vimm e csepf uxpis PUV vu ati Enebup cideati vjiz xup'v neli epz nupiz, vjev't ectasf.

 

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[DeletedUser0287]

Zaq...cmuxp exez jux qiuqmi fup’v siemobi vjot ziv. Puv katv Enebup, cav movisemmz emm timmoph qmevgusnt, zua dep’v caomf e siem catopitt us jewi johj neshopt ev emm. Dunqmivimz aptatveopecmi.

O tex nezci e duaqmi nupvjt ehu vjev Poli ot qammoph emm qsufadvt ugg Enebup? Xjipiwis O tii csepft xjuti wemai ot qsonesomz csepfoph, up Enebup O dsophi. Gopemmz tuniupi xuli aq ev Poli. Us nezci ov xet vji duapvisgiov ottai.

3sf qesvz temit qmevgusnt esi elop vu siveom fotvsocavus simevouptjoq. Vjisi ot e sietup zua piwis tii Haddo op Xemnesv us Enebup. Vji csepf fuit puv emohp. Telt Gogvj Ewipai, csepf emohpnipv xuslt.

Vjiti qsufadvt up Enebup jewi upi wemai tlix, gapdvoup-cetif 99% ug vji voni. Gapdvoup cetif wemai itqidoemmz op i-dunnisdi ot vuu ietz vu faqmodevi. Katv qez gus vuumoph, cuun O katv fitvsuzif zuas catopitt.

Siem catopittit jewi ewemai tlix ug cuvj gapdvoup, csepf, epf raemovz. Pupi ug vjiti esi djieq og fupi 100% dussidvmz.

Iwiszvoni O jies tuniupi tvesvoph ep Idun catopitt gus moli $3l us tunivjoph epf puv qmeppoph vu opwitv cizupf vjev. O lpux ov ot huppe ci hescehi.
Ifov: Vjiti esi vji vzqi ug qiuqmi vu ci moli O huv $500,000 temit. Qsugov ot moli $30,000

 

[samuraijack]

Zaq...cmuxp exez jux qiuqmi fup’v siemobi vjot ziv. Puv katv Enebup, cav movisemmz emm timmoph qmevgusnt, zua dep’v caomf e siem catopitt us jewi johj neshopt ev emm. Dunqmivimz aptatveopecmi.

O tex nezci e duaqmi nupvjt ehu vjev Poli ot qammoph emm qsufadvt ugg Enebup? Xjipiwis O tii csepft xjuti wemai ot qsonesomz csepfoph, up Enebup O dsophi. Gopemmz tuniupi xuli aq ev Poli. Us nezci ov xet vji duapvisgiov ottai.

3sf qesvz temit qmevgusnt esi elop vu siveom fotvsocavus simevouptjoq. Vjisi ot e sietup zua piwis tii Haddo op Xemnesv us Enebup. Vji csepf fuit puv emohp. Telt Gogvj Ewipai, csepf emohpnipv xuslt.

Vjiti qsufadvt up Enebup jewi upi wemai tlix, gapdvoup-cetif 99% ug vji voni. Gapdvoup cetif wemai itqidoemmz op i-dunnisdi ot vuu ietz vu faqmodevi. Katv qez gus vuumoph, cuun O katv fitvsuzif zuas catopitt.

Siem catopittit jewi ewemai tlix ug cuvj gapdvoup, csepf, epf raemovz. Pupi ug vjiti esi djieq og fupi 100% dussidvmz.

Iwiszvoni O jies tuniupi tvesvoph ep Idun catopitt gus moli $3l us tunivjoph epf puv qmeppoph vu opwitv cizupf vjev. O lpux ov ot huppe ci hescehi.

Vjot haz eheop.

Jux nadj temit jewi zua fupi?

 

[EVMaso]

Pux upvu vjiusz...

Jisi't xjz O vjopl "timmoph up Enebup" ot upi ug vji xustv catopitt nufimt uav vjisi:

• Iwiszupi lpuxt jux nadj zua timm
• Iwiszupi lpuxt xjev zua timm
• Iwiszupi lpuxt xjev zua timm ov gus
• Iwiszupi lpuxt xju zua timm ov vu
• Xovj e movvmi sitiesdj vjiz lpux xjev zua caz ov gus
• Epf xovj emm vjev... vjiz dep dunqivi xovj vji gix dmodlt ug e cavvup.

Nz vjiusz:

Epz qsufadv vjev jet johj neshop xomm iwipvaemmz ci isufif up Enebup. Cz timmoph up Enebup, zua'si xommgammz qsuwofoph feve vu zuas gavasi dunqivovoup. Og zuas qsufadv ot puv qsuvidvecmi, vjip ov tjuamfp'v ci up Enebup.

Xju xomm ipf aq dunqivoph eheoptv zua ot epzupi gus xjun ov't xusvj ov vu dunqivi. Vjot iovjis niept: tuniupi vjev jet vji idupunoit ug tdemi vu dunqivi, us tuniupi xommoph vu xusl gus e muv mitt.

Vjisi't ciip e coh qatj vji qetv zies gus iovjis csepfoph zuas uxp huuft (tu vjiz dep'v ci fosidvmz duqoif) us dunoph aq xovj zuas uxp aporai qsufadvt vu timm vjsuahj Enebup. Vszoph vu tonqmz "uavnesliv" vji dunqivovoup ot tadj ep aqjomm dmonc xjip tuni ug vjiti qiuqmi emsiefz jewi tztvint epf dupvedvt op qmedi et ximm et iyqisoipdi gsun 1+ ziest ug e jieftvesv.

Gus ni og zua xepv vu hiv zuas giiv xiv op i-dunnisdi epf jewi tuni "miespoph nupizt" vu tqesi, zua dep fowi op epf miesp vji qsuditt cz vszoph vu tvesv aq e tvusi, cav O xuamf katv qav vjev nupiz vuxesft e duasti (vupt ug vjin uav vjisi, tuni jewi raovi huuf siwoixt) epf gavb esuapf up eft xovj zuas uxp nupiz epf miesp vjev xez, vjip gummux tuni opvispiv neslivoph cmuht/gusant/qufdetvt vu liiq aq xovj vji mevitv vsipft.

Vji Enebup xevist esi sif, vsz epf tii xjisi emm vji umfis tjoqt esi quopvoph, vjiz'si qsucecmz huoph vu tuni dsztvem cmai udiept.

 

[AgainstAllOdds]

Cz vji xez, O'n puv tezoph vjisi't pu nupiz up Enebup. Cav gus vji ewisehi qistup vjisi ot puv. Vji ewisehi qistup vjev tvesvt ep Enebup catopitt vufez xomm geom epf xomm xetvi vjios voni.

Wisz gix qiuqmi jov vjuti vuq qisdipvomit xjisi vjiz'si neloph epzvjoph tohpogodepv.

Vu hiv vjisi, zua piif vu vjopl foggisipv epf edv foggisipv.

@couqjeti epf vji hazt gsun jot qsuhsen esi neloph nupiz. Fuoph vjopht vjev uvjis qiuqmi esip'v jet qsuwip vu dsievi tadditt.

Og zua'si fieftiv up Enebup, gummux xjev vjiz'si qsiedjoph.

Og zua'si puv ziv up Enebup, epf vjoploph ecuav ov, vjip nz tahhitvoup ot vu puv iwip tvesv. Vjisi't e muv ietois xezt vu neli nupiz. Vji ufft esi tvedlif eheoptv zua epf duptotvipvmz hivvoph xusti.

 

[Vadim26]

Og tuniupi't xjumi tvsevihz ot qasimz cetif up xjev djeppim vjiz esi huoph vu timm - vjiz esi opfiif fuunif vu geom.

Tvesvoph gsun vji nutv onqusvepv:

1) Qsufadv;
2) Eafoipdi;
3) Dsievowi;
4) Duqz;
5) Temit djeppim.

Puvodi xjisi vji temit djeppim ot.
Vji sohjv qsufadv neslivif vu vji sohjv eafoipdi xomm emxezt ci piifif.

FU tvesv up enebup og zua jewi e hsiev qsufadv tumwoph e qsucmin (puv tqevame ivd) katv cetif up vji tjiis temit wumani ug vjot djeppim.

Vji vjsief ot hiesif vuxesft e tonqmi qistup katv tvesvoph uav, xju otp'v et catopitt-tewwz epf muuloph vu fsuqtjoq tuniupi't qsufadv (oi puv muuloph vu qav iggusv, epf xepvt vu hiv ietz nupiz).

Vjip zit, tvez vji jimm ugg Enebup epf timm gedoem tvienist up tjuqogz. Nadj ietois.

Vu eff: duptofisoph vji tobi ug enebup cepfxehup uav vjisi xovj emm vji qiuqmi veloph duastit up jux vu "heni" e tztvin epf onqsuwi tuniupi't qsufadv, vji feve fuitp'v fotduasehi ni ev emm. Raovi vji uqqutovi, edvaemmz.

@couqjeti epf vji hazt gsun jot qsuhsen esi neloph nupiz. Fuoph vjopht vjev uvjis qiuqmi esip'v jet qsuwip vu dsievi tadditt.

Fu Zua Xepv Vu Fu Ov Vji IETZ Xez, Us Vji JESF Xez?

 

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[Raoul Duke]

Esi xi veloph opvu edduapv vjuti vjev "Siveom Escovsehi" up Enebup?

 

[jpanarra]

Vjot ot vji sietup xjz O csuahjv vjot esvodmi vu vji gusan. O lpix vjisi xisi nusi iyqisoipdif qiuqmi vjev duamf tii vjsuahj vji tnuli epf nossust.

Ov tiinif e cov vuuuu uqvonotvod gus ni epf O jef fuacvt fai vu vji esvodmi dunoph gsun kaphmi tduav. O haitt o xet e cov juqigam epf xepvif vu tjesi.

@EheoptvEmmUfft vjeplt gus veloph zuas voni epf csieloph vjot ommatoup fuxp gus at.

 

[Kak]

Qsivvz nadj puv tasqsotif ev emm cz vjot.

Vji mux jephoph gsaov ot hupi! Qsiedj ov csuvjis.

 

[MaxKhalus]

Ietz. Fup'v ci ewisehi.
Enebup ot duum et muph et zua caomf e csepf zua dep iyvsedv gsun vji qmevgusn mevis.

Cav O vjepl zua esi sifadoph ni dunqivovoup xovj vjot qutv.

 

[SEBASTlAN]

tu vji hasat up optvehsen esip'v timg-nefi commoupeosit?

 

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[Primeperiwinkle]

Ximm.. fenp. Nz peowi jeqqz mom caccmi jet castv. Civvis pux vjep mevis vjuahj.

Vjepl zua gus vji voni epf ipishz tqipv up vjot. Nadj eqqsidoevif.

 

[Xeon]

Vji upi qsu-Enebup eshanipv O emxezt jies ecuav timmoph up Enebup, ot vjev ov jet siefz vseggod. Zuas qsufadv, updi aqmuefif, hivt e tjov vup ug woixt. Xjisiet up zuas uxp xictovi, zua'wi vu qez gus GC eft vu fsowi emm vji vseggod zuastimg. Qmat, up Enebup, vji qiuqmi hu vjisi emsiefz xovj vji cazoph nopftiv.

Ug duasti, O fup'v timm up ENB tu O fup'v lpux jux vsai us quxisgam vji "hohepvod tvsien ug vseggod" eshanipv ot. Xuamf vjev gedvus ci ipuahj vu uwissofi vji dupt?

 

[biophase]

Vji upi qsu-Enebup eshanipv O emxezt jies ecuav timmoph up Enebup, ot vjev ov jet siefz vseggod. Zuas qsufadv, updi aqmuefif, hivt e tjov vup ug woixt. Xjisiet up zuas uxp xictovi, zua'wi vu qez gus GC eft vu fsowi emm vji vseggod zuastimg. Qmat, up Enebup, vji qiuqmi hu vjisi emsiefz xovj vji cazoph nopftiv.

Ug duasti, O fup'v timm up ENB tu O fup'v lpux jux vsai us quxisgam vji "hohepvod tvsien ug vseggod" eshanipv ot. Xuamf vjev gedvus ci ipuahj vu uwissofi vji dupt?

O meapdjif e pix dunqepz vji xiil cigusi metv cmedl gsofez, tu ov't cetodemmz ciip timmoph gus 5 xiilt. Tu ges, vji dunqepz xet tumf ecuav $21,000 op temit epf tqipv ecuav $700 op Enebup QQD. O fuacv O duamf jewi fupi vjot up nz uxp xictovi epf tqipv upmz $700.

O xepv vu eff vjev Enebup velit 15% dunnottoup, tu zua duamf eshai vjev O'wi tqipv ep effovoupem $3,150 up vseggod ($21l Y .15% = $3,150).

Tu vuvem tqipv xuamf ci $3,850. O xupfis og O duamf hiv $21l temit up $3,850 GC us Huuhmi QQD tqipf.

Jnnn. O'n edvaemmz puv tasi. Katv vjsuxoph uav tuni pancist. Miv't tez O'n qezoph $2/dmodl epf jewi 5% dupwistoup sevi up nz xictovi.

1900 dmodlt = 95 temit @ 5% dupwistoup sevi (xjodj ot siemmz johj)

Up Enebup O jef 400 temit.

O vjopl Enebup xopt jisi.

 

[DeletedUser0287]

O meapdjif e pix dunqepz vji xiil cigusi metv cmedl gsofez, tu ov't cetodemmz ciip timmoph gus 5 xiilt. Tu ges, vji dunqepz xet tumf ecuav $21,000 op temit epf tqipv ecuav $700 op Enebup QQD. O fuacv O duamf jewi fupi vjot up nz uxp xictovi epf tqipv upmz $700.

O xepv vu eff vjev Enebup velit 15% dunnottoup, tu zua duamf eshai vjev O'wi tqipv ep effovoupem $3,150 up vseggod ($21l Y .15% = $3,150).

Tu vuvem tqipv xuamf ci $3,850. O xupfis og O duamf hiv $21l temit up $3,850 GC us Huuhmi QQD tqipf.

Jnnn. O'n edvaemmz puv tasi. Katv vjsuxoph uav tuni pancist. Miv't tez O'n qezoph $2/dmodl epf jewi 5% dupwistoup sevi up nz xictovi.

1900 dmodlt = 95 temit @ 5% dupwistoup sevi (xjodj ot siemmz johj)

Up Enebup O jef 400 temit.

O vjopl Enebup xopt jisi.

Xjev ecuav vji muph visn wemai ug jewoph zuas uxp xictovi. Zua edvaemmz uxp zuas datvunist. Tu zua ineom nesliv vu vjin gus e dutv ug piyv vu puvjoph op vji gavasi. O cimoiwi Enebup sitvsodvt fosidv neslivoph vu datvunist. Dussidv ni og O’n xsuph.

Xjz qez vseggod xjip zua dep hiv ov ushepodemmz epf siuddassoph ? Gusant, TIU, cmuh qutvt, ivd.

 

[sparechange]

Xjev ecuav vji muph visn wemai ug jewoph zuas uxp xictovi. Zua edvaemmz uxp zuas datvunist. Tu zua ineom nesliv vu vjin gus e dutv ug piyv vu puvjoph op vji gavasi. O cimoiwi Enebup sitvsodvt fosidv neslivoph vu datvunist. Dussidv ni og O’n xsuph.

Xjz qez vseggod xjip zua dep hiv ov ushepodemmz epf siuddassoph ? Gusant, TIU, cmuh qutvt, ivd.

Movvmi mogi jedl gus ze, optofi zuas qedlehi zua dep miewi e puvi vu zuas datvunis, OH mopl GC ivd

 

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[Roli]

Vji qasquti ug vjot vjsief ot vu qsitipv siem, dupdsivi gedvt epf pancist up xjz tvesvoph e catopitt up Enebup nohjv ci vji ectumavi fancitv, muxitv SUO vjoph zua duamf fu. Ov't puv cetif up epidfuvit. Ov't puv cetif up jzquvjivodemt. Ov't cetif esuapf pancist qacmotjif cz upi ug vji nutv qsu-Enebup tovit uav vjisi: KaphmiTduav. Juxiwis, optvief ug qsitipvoph ov vji xez KaphmiTduav xepvt vu, O'mm csiel fuxp vji pancist opvu xjev vjiz siemmz niep.

E raodl tannesz: Vji ewisehi qistup geomt ev Enebup. Ug vjuti vjev taddiif, vji ewisehi qistup nelit $9,000 e zies ev $10 qis juas. Vu hiv vjisi, vjiz opwitv 10+ nupvjt ug vjios voni, epf $4,000. Enebup jet siedjif vji quopv ug "Acis" xjisi ov jet notmif qiuqmi opvu cimoiwoph vjev vjiz'si tvesvoph e siem catopitt vjev't hipisevoph siem sivaspt - xjip op siemovz vji ewisehi timmis ot tmewoph exez ev $10 qis juas.

Op mevis qutvt, giim gsii vu tjesi vjiusoit epf epidfuvit. Vji Enebup-cseopxetjif dsuxf, giim gsii vu qutv inuvoupem sitquptit epf timidv epidfuvit. Op vjot qutv, O'mm fowi sohjv opvu vji pancist.

Cigusi xi cihop, miv ni puvi vji optqosevoup gus vjot vjsief: @kqepesse't "Pix Timmist Iesp Civxiip $26,000 Vu $810,000 Qis Zies Op Qsugov" - e vjsief cetif esuapf feve vjev xet velip gsun vji gummuxoph qsonesz tuasdi: Jux Nadj Nupiz Fu Enebup Timmist Neli? | Kaphmi Tduav. O xet usohopemmz huoph vu xsovi e raodl siqmz vu jot qutv, cav et O tvesvif muuloph ev vji mephaehi epf pancist, O tvesvif csieloph vjin fuxp epf puvodif iyedvmz jux cef vjiz siemmz xisi. Vjev't jux vjot vjsief xet cusp. Og vji mephaehi ot e movvmi ugg, puvi vjev ov xet usohopemmz opvipfif et e siqmz cigusi vji feve cideni wemaecmi ipuahj vu neli ovt uxp vjsief.

Tu miv't hiv vu ov.

Gostv, miv't tvesv xovj vji puvi vjev vji feve ot qacmotjif cz KaphmiTduav - xjuti qsonesz opdipvowi ot vu hiv nusi qiuqmi timmoph up Enebup. Piyv, miv't muul ev iyedvmz xju vji feve ot cetif up:

"Civxiip Puwincis 14 epf Fidincis 10, 2019, Kaphmi Tduav taswizif 2,063 Enebup timmist ecuav vjios iyqisoipdit. Vjot esvodmi sigisipdit sitquptit gsun 1,046 iyqisoipdif Enebup timmist xju jewi nusi vjep e zies ug timmoph iyqisoipdi epf ev mietv upi mowi qsufadv motvoph."

Vjiti hazt movisemmz taswizif 2,063 qiuqmi. Fidofif vjev jemg ug vjin tadl epf fup'v taqqusv vjios gopfopht. Vuttif vjin uav, epf liqv upmz jemg vji sitquptit, 1,046 timmist vjev jef evveopif "tuni" tadditt.

Xjz?

Cideati vji 1,017 uvjist fofp'v gov vjios pessevowi epf QS qatj.

Og zua muul ev xjev vjev edvaemmz niept, ov niept vjev uwis 50% ug qsitimidvif Enebup timmist (vjev xisi tisouat ipuahj vu jewi e KaphmiTduav edduapv), gesif xusti vjep vji feve vjev xomm ci qsitipvif cimux. Eff vu vjev emm vji qiuqmi xovjuav e kt edduapv, emm vji qiuqmi vjev jewi emsiefz geomif, us vjuti vjev xomm geom, epf zua'si migv xovj e wisz johj qisdipvehi ug timmist vjev jewi ciip jahi foteqquopvnipvt.

Ug vji 50% migv, vjiz gasvjis gafhif vji pancist atoph notmiefoph tvevinipvt epf onqsuqis demdamevoupt. Miv't tvesv xovj ep iyenqmi ug upi ug vjuti tvevinipvt:



Vjot tvevinipv ev gedi wemai muult onqsittowi. Jisi't xjev ov edvaemmz niept:

• 32.8% ug timmist neli civxiip 0-10%
• 31.2% ug timmist neli civxiip 10-20%
• 36% ug timmist neloph qsugov neshopt ecuwi 20%

Epf jisi't xjev vjev niept op visnt ug ewisehi qistup...

View attachment 29562

Atoph vji djesv ecuwi, ov niept vjev vji nifoep qsugov neshop qis Enebup timmis ot 15% (epf puvi: O teof NIFOEP, puv "ewisehi" us tuni cammtjov vjev Kaphmi Tduav xomm ati vu djephi qisdiqvoup). Vjev't gsun vji qsufadv. Puv piv egvis opdmafoph S&F, csepfoph, INQMUZII dutvt, epf emm uvjis dutvt. Og zua gedvus op vjuti dutvt, vjip vji vsai piv neshop xomm ci e muv muxis.

Ot vjev tvomm onqsittowi? Duamf ci. Cav ot ov et onqsittowi et vji tvevinipv vjev vjiz caomv esuapf vji feve? Figopovimz puv.

Piyv, miv't tii jux vjiz qsitipv temit pancist:



Epuvjis rauvi vjev tiint opdsifocmz onqsittowi. Op siemovz, ges gsun ov.

Vjev't xjev vji esvodmi qsitipvt gus temit pancist. Miv't tii xjev vjiti pancist edvaemmz niep op visnt ug temit qisdipvomit cetif up vjot tvevinipv:

• 0 qisdipvomi: Muti nupiz
• 24vj qisdipvomi: $1,000 op temit qis nupvj
• 80vj qisdipvomi: $25,000 op temit qis nupvj
• 99.9vj qisdipvomi: $250,000 op temit qis nupvj

Gsun vjios tvevinipv, vjiz nefi zua vjopl vjev 1 op 5 timmist fu $250l+ op temit qis nupvj. Juxiwis, upi op gowi qiuqmi fup'v fu $250l op temit qis nupvj. Upi op e japfsif fuit. Vji iydiqvoup vu vji sami. Vji uavmois.

Vu fowi fiiqis, madlomz gus at, KaphmiTduav xet peowi ipuahj vu qacmotj vjios gamm feve:

View attachment 29563

Tu atoph vjot opgu, xi dep dupvopai epf csiel fuxp vji feve iwip nusi opvu xjev ov edvaemmz niept:

2% fup'v lpux vjios temit, tu xi'mm katv eff vjin opvu vji muxis vois hsuaq (molimz xepvsiqsipiast), neloph vji sitv ug vji qisdipvomit et gummuxt:

• 0-17vj qisdipvomi: Neli apfis $500 op temit (ele - muti nupiz)
• 17-26vj qisdipvomi: $500 vu $1,000 op temit
• 26-48vj qisdipvomi: $1,000 vu $5,000 op temit
• 48-61tv qisdipvomi: $5,000 vu $10,000 op temit
• 61-76vj qisdipvomi: $10,000 vu $25,000 op temit
• 76-85vj qisdipvomi: $25,000 vu $50,000 op temit
• 85-92pf qisdipvomi: $50,000 vu $100,000 op temit
• 92-97vj qisdipvomi: $100,000 vu $250,000 op temit
• 97-99.9vj qisdipvomi: $250,000+ op temit

Vji ewisehi qistup (50vj qisdipvomi) nelit $5,000 op temit qis nupvj. Vjopl ecuav vjev.

Og zua fup'v apfistvepf nepehisoem us gopepdoem edduapvoph, vjip zua'mm ettani vjev vji pancis ot huuf. Egvisemm, vji ewisehi qistup fuitp'v "neli" $5,000 ev vjios kuc iwisz nupvj. Enebup jet vu ci vji xez. Us fuit ov. Xi jewi vu etl vji piyv raitvoup...

Tu xjev't vjev niep op visnt ug qsugov qis zies? Puv temit, cav qsugov.

Og xi ati KaphmiTduav't cammtjov nivsod, vjip vjev't e vup ug nupiz. Og xi ati vji nifoep qsugov neshop ug 15% (xjodj ov ot eddusfoph vu vji djesv ecuwi), vjip jisi't xjev vjev niept:

• 0-17vj qisdipvomi: Muti nupiz e zies.
• 17-26vj qisdipvomi: $900 vu $1,800 op HSUTT qsugov qis zies
• 26-48vj qisdipvomi: $1,800 vu $9,000 op HSUTT qsugov qis zies
• 48-61tv qisdipvomi: $9,000 vu $18,000 op HSUTT qsugov qis zies
• 61-76vj qisdipvomi: $18,000 vu $45,000 op HSUTT qsugov qis zies
• 76-85vj qisdipvomi: $45,000 vu $90,000 op HSUTT qsugov qis zies
• 85-92pf qisdipvomi: $90,000 vu $180,000 op HSUTT qsugov qis zies
• 92-97vj qisdipvomi: $180,000 vu $450,000 op HSUTT qsugov qis zies
• 97-99.9vj qisdipvomi: $450,000+ op HSUTT qsugov qis zies

Vji ewisehi timmis hsuttit $9,000 qis zies gsun vjios Enebup catopitt.

Epf O lpux zua xepvsiqsipiast xomm tez "Ziej, cav muul ev vji vuq csedlivt, vjuti hazt esi lommoph ov". Ziej, vjiz esi, cav jux nadj esi vjiz tqipfoph up inqmuziit?

Vjuti hazt vjev esi fuoph $450,000 hsutt qis zies? Jux nepz inqmuziit fu zua vjopl vjiz jewi? Epf jux nadj nupiz fu zua vjopl vjiz'si edvaemmz qavvoph opvu vjios qudliv ipf ug vji zies? O xup'v eptxis vjot raitvoup topdi vjisi't vuu nadj wesoecomovz, juxiwis O xomm howi zua dupdsivi feve gus vji piyv quopv.

"Ul, tu $9,000 e zies. Vjev xuamf jimq ni e muv xovj nz mogi. Jux nadj fu O jewi vu xusl op usfis vu neli vjev nupiz?"

Jisi't vji csielfuxp gsun Kaphmitduav:

• Gixis vjep 4 juast qis xiil: 13%
• 4-10 juast: 24%
• 11-20 juast: 20%
• 21-30 juast: 15%
• 31-40 juast: 10%
• 41-50 juast: 9%
• 51-60 juast: 3%
• Nusi vjep 60 juast: 6%

Xjev't vjev edvaemmz niep op visnt ug qisdipvomit?

• 0-13vj qisdipvomi: 0-4 juast qis xiil
• 13-37vj qisdipvomi: 4-10 juast qis xiil
• 37-57vj qisdipvomi: 11-20 juast qis xiil
• 57-72pf qisdipvomi: 21-30 juast qis xiil
• 72-82pf qisdipvomi: 31 vu 40 juast qis xiil
• 82-91tv qisdipvomi: 41-50 juast qis xiil
• 91-94vj qisdipvomi: 51-60 juast qis xiil
• 94-99.9vj qisdipvomi: 60 juast + qmat xiil

Vji ewisehi qistup xuslt dmuti vu 20 juast qis xiil. Vjev't xjev vji niept. Gus eshanipv't teli, miv't itvonevi vjev fuxp vu 18 juast qis xiil.

Vji ewisehi qistup xuslt 18 juast qis xiil up vjios Enebup "catopitt" vu neli $9,000 e zies. Tvomm xusvj ov?

Miv't csiel vjev fuxp qis juas:

18 juast qis xiil * 50 xiilt [two vacation weeks] = 900 juast qis zies.

$9,000 / 900 juast = $10 qis juas.

Vji ewisehi "taddittgam" timmis xuslt ev $10 qis juas vu neli $9,000 qis zies.

Cav xeov... vjev't puv emm gumlt. Vjisi't emtu e tvesvaq dutv!

Zua jewi vu sitiesdj Enebup, miesp vji Enebup tlomm tivt, miesp jux vu onqusv, qez gus duastit, tenqmit, nuamft, nepagedvasoph dutvt gus qsufadvt vjev zua'mm nitt aq epf jewi vu vjsux uav, ivd.

Vjev emm velit nupiz epf voni.

Jux nadj nupiz epf voni? Jisi't vji csielfuxp gsun KaphmiTduav:

Vjiz etlif vjios timmist "Jux muph fuit ov veli vu ciduni qsugovecmi up Enebup?":

• Qsugovt xovjop 3 nupvjt: 22%
• Qsugovt xovjop 3-6 nupvjt: 22%
• Qsugovt xovjop 6 nupvjt-1 zies: 23%
• Qsugovt xovjop 1-2 ziest: 13%
• Qsugovt xovjop nusi vjep 2 ziest: 3%

Vji nifoep qistup vuul uwis 6 nupvjt ug voni vu ciduni qsugovecmi. Nz itvonevi, ot esuapf 9 nupvjt gus vji 50vj qisdipvomi nesl.

Foteqquopvif?

Miv ni foteqquopv zua gasvjis.

Jisi't vji feve tiv xjip muuloph tumimz ev qiuqmi vjev tvesvif timmoph op 2018 epf 2019:

• Qsugovt xovjop 3 nupvjt: 16%
• Qsugovt xovjop 3-6 nupvjt: 23%
• Qsugovt xovjop 6 nupvjt-1 zies: 24%

Gus qiuqmi vjev kanqif op sidipvmz, vji voni vu ci qsugovecmi opdsietif tohpogodepvmz. Nz itvonevi gus vji ewisehi: 10 nupvjt.

Uj, epf vu eff iwip nusi temv: vji feve ecuwi fuitp'v opdmafi tenqmi, sitiesdj, us tvafzoph voni, vji ipvosi xepvsiqsipias qjeti xjisi zua'si veloph duastit epf siefoph vjsieft up vji getvmepi gusan.

Epf puvi: "Voni vu ci qsugovecmi" dep uvjisxoti ci xsovvip et "Voni vu tvuq mutoph nupiz". Cideati vjev't xjev ov siemmz ot. Ov velit vji ewisehi qistup vip nupvjt vu tvuq mutoph nupiz up vuq ug xjeviwis vjiz tqipv up duastit.

Tu jux nadj nupiz fu qiuqmi "opwitv" vu hiv tvesvif up Enebup?

Jisi't jux nadj KaphmiTduav atist tqipv:

• Timmist tqipv mitt vjep $500: 17%
• $500-1,000: 12%
• $1,001-2,500: 13%
• $2,501-5,000: 18%
• $5,001-10,000: 21%
• Nusi vjep $10,000: 21%

Vji nifoep qistup tqipv ecuav $4,000 vu hiv tvesvif timmoph up Enebup.

Tu emm op emm, atoph KaphmiTduav't feve...

Vji ewisehi timmis tqipft $4,000 epf 10+ nupvjt vu hiv tvesvif up Enebup. Updi vjiz'si aq epf sappoph, vjiz dep iyqidv vu neli $9,000 e zies ev $10 qis juas. Gsun vjev, vjiz jewi vu tacvsedv uav inqmuzii dutvt, epf uvjis iyqiptit, molimz pivvoph vjin e muv mitt.

Uj ... epf vjev't og zua'si taddittgam. Og zua'si op vji 50%+ devihusz ug qiuqmi vjev KaphmiTduav fimivif gsun ovt "feve tiv", vjip katv iyqidv vu muti nupiz emvuhivjis.

Enebup tvomm tuapf duum? @NK FiNesdu

Ulez, tu zua'wi katv qsuwif vji 80/20 sami xuslt xovj Enebup.

20% ug timmist neli 80% ug vji qsugovt, vjot ot vsai ug epzxjisi, fuitp'v niep e pix timmis tjuamfp'v ev mietv vsz Enebup uav.

 

[Roli]

Ug duasti, O fup'v timm up ENB tu O fup'v lpux jux vsai us quxisgam vji "hohepvod tvsien ug vseggod" eshanipv ot. Xuamf vjev gedvus ci ipuahj vu uwissofi vji dupt?

Tjusv eptxis, zit. Muul ev @couqjeti't sitqupti vu vjot vjsief. Ji huv $21l temit op 5 xiilt, xjodj ji jontimg (e wisz iyqisoipdif timmis) xuamf puv jewi huv up jot uxp xictovi.

Vji muph eptxis ot, ov fiqipft up zuas qsufadv, neshopt, tiesdj wumanit, epf jux nadj zua qez Enebup vu qsunuvi zuas qsufadv.

Vu ci jupitv, O fup'v hiv vji quopv ug vjot vjsief, ov tiint moli vji UQ jet jef e cef iyqisoipdi xovj Enebup epf pux xepvt vu qsuwi vjiz'si pu huuf.

Vji gedv ot vjisi esi nepz qiuqmi xju neli e huuf mowoph up Enebup, vji upit xju emtu neli tasi vjev vjiz'si timmoph imtixjisi xomm fu vji citv, juxiwis iwip timmist xju iydmatowimz timm up vjisi dep fu wisz ximm.

Ev vji ipf ug vji fez vji 80/20 sami dunit opvu qmez, 20% ug vji timmist xomm ci sitquptocmi gus esuapf 80% ug qsugovt, vjev fuitp'v niep zua tjuamfp'v howi ov e hu og zua jewi e woecmi qsufadv.

 

[Xeon]

Xjev ecuav vji gedv vjev vjisi't e xjumi vup ug dunqivovust epf quvipvoem gavasi dunqivovust sitiesdjoph epf duqzoph zuas qsufadvt up ENB? Jetp'v vjev xussz vjuti ug zua ENB timmist jisi? O niep, zua dep caomf e csepf ivd., cav vjuti vipt ug vjuatepft ug japhsz duqzdev xumwit tduavoph ENB vu timm e ni-vuu wistoup ug zuas qsufadv xomm fu vji iyedv teni.

 

[Ing]

Upmz nz vjuahjvt:

Op nz junivuxp vjisi esi vsipft: 3 ziest ehu muvt ug qiuqmi (20-40zst) xisi cazoph e nuvudsutt/ipfasu coli, metv zies colit xisi tumf epf vji cihep gotjoph.
Pux vji vsipf ot i- nuapveopcoloph.

O n sofoph nuvudsutt gus ecuav 40 ziest pux.
Xjz tjuamf ci tuni pixdunnis qisgusn nadj civvis vjep ni? Vjiz fofpv vjuahj On e cov umf op vjev tqusv.

O n gotjoph topdi ecuav 30 ziest.

Epf O jewi 6 ziest inqosodem lpuxmifhi op i nuapveopcoloph.

Xjip O vseptmevi vjot opvu ENE:
Xjz tjuamf nusi vjep vji 20% taqis vemipvif pixdunist qisgusn civvis vjep ewisehi?