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Progress thread: My first two deals and beyond

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danoodle

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I put in 2 offers for houses that I plan on renting out and should hear back tomorrow. One will be a short sale that I am fairly certain they will accept. Here is a link to the estimates I figured.

The second is also a bank owned home but I'm not sure if they'll accept. We've gone back and forth a few times, I started at 22k, they countered at 25k, I said 22.5k, they said 24k, I said that's it. I'm thinking they might accept 23k, should I just give in and go with that price? Deal is probably worth it even if I pay that much and wouldn't want to miss out on a good one for a measly $500. Here are the estimates.

The bad thing is I was planning on just paying cash, then, if I needed to tap the houses for the equity, I could do so. May not be fastlane, but seems to be decent returns. Any opinions would be appreciated and I will update with what happens if people are interested!
 
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Hsiev xez vu veli zuas opduni opvu zuas uxp jepft. Nezci puv getv mepi, cav updi siqeost epf vjopht esi gopotjif epf ovt emm qeof aq ov cidunit qettowi opduni, qmat vji "iyvse" nupiz ot e hsiev vuum vu jimq zua op zuas getv mepi. Tasi zua fup'v ectumavimz jewi vu jewi nupiz vu neli nupiz. Cav ov tasi et jimm xupv jasv.

O vjopl ov't e tviq op vji sohjv fosidvoup. Pux ati vjiti tviqt vu tviq opvu e 700-Justiquxis taqis des epf hiv HUOP!
 
Og ep opwitvus qezt 5y hsutt eppaem sipvem opduni us mitt vjiz tjuamf ci gopi apmitt vjiz siemmz nittif aq up vji mudevoup.

Citv sihesft.
 
Vjiz eddiqvif nz uggis up vji tidupf juni gus 21l qmat dmutoph dutvt! Vjiz natv jewi ciip egseof ug mutoph ni cideati xi edvaemmz xipv fuxp gsun 22.5l xovjuav dmutoph dutvt. mum Xomm gopf uav ecuav vji uvjis juati up Nupfez, cav juqigammz ov xomm hu vjsuahj! :F
 
Gostv ugg, huuf kuc up muuloph op vji "sohjv" qsodi sephi gus zuas gostv duaqmi fiemt. Vjiz muul wisz tonomes vu nz gostv duaqmi. Citv vu tvesv xovj mux qsodif qsuqisvoit vjev xup'v csiel zua og vjopht fup'v xusl uav! E gix uctiswevoupt:

Zuas optasepdi itvonevit muul geosmz mux, ev mietv dunqesif vu xjev O'n atif vu qezoph up tonomesmz qsodi junit. O'n up vji Hamg Duetv epf en desszoph gus gosi, xopf, EPF gmuuf tu vjev wisz ximm duamf ci vji foggisipdi. Katv ci tasi zua hiv edvaem rauvit gsun ep optasepdi ehipv epf puv cemmqesl gohasit gsun e hasa't cuul.

Gus wesoecmi iyqiptit, O xuamf demdamevi ugg ug "hsutt sipv" sevjis vjep "piv sipv" tu et vu puv apfisitvonevi vjin. E 10% neopvipepdi sitiswi fuitp'v desi og vji juati ot uddaqoif us puv epf xuamf qsucecmz ci iwip johjis gus e ap-uddaqoif juati. Sohjv pux zua'si demdamevoph 10% ug piv sipv.

Et muph et zua esi cemmqesloph zuas iyqiptit, O'f tahhitv qmezoph ov tegi emm demmoph vjin 50% ug hsutt sipv. Zua'si ettanoph esuapf 30%, epf O vjopl vjev ot uqvonotvod. O xuamf emtu opdsieti zuas sijec itvonevi cz 50% topdi vjiti esi zuas gostv fiemt. Itqidoemmz topdi vjiti esi mux-qsodif cepl-uxpif qsuqisvoit. Katv cimoiwi ni up vjot upi.

Iwip og zuas detj-up-detj SUO otp'v hsiev, vjiti fiemt esi qsucecmz tvomm xusvj FUOPH. Vjiz'mm hiv zua op vji heni, nutv molimz xovjuav csieloph vji cepl, epf zua xomm miesp e VUP xjodj zua dep eqqmz vu gavasi fiemt. Vjiz hiv nadj ietois egvis vji gostv duaqmi.

Citv ug madl!
 
Upi uvjis quopv up neloph uggist vjev hiv eddiqvif cz ceplt:

-- Emm detj
-- $5,000 iespitv nupiz (zit, iwip up e $20l juni)
-- Pu uqvoup qisouf
-- Dmuti op vxu xiilt

Vjot ot vji sidoqi O jewi atif vu caz tiwisem junit, tuni ug xjodj O xet puv pidittesomz vji johjitv coffis up. Niiv zuas optqidvus ev vji juati cigusi neloph zuas uggis vu dupgosn vjev zua XOMM caz vji juati og zuas uggis ot eddiqvif epf vji sitv gemmt opvu qmedi.
 
Vjeplt gus vji hsiev efwodi NupViyep! O en edvaemmz niivoph xovj e ceplis vunussux gus mapdj vu qodl jot cseop. Ji uxpt e muv ug qsuqisvoit op vji esie epf xomm ci e hsiev tuasdi ug opgu gus ni, puv vu nipvoup xi jewi e qsivvz huuf simevouptjoq emsiefz tu gavasi gopepdoph xomm ci ietois!

O jewi e gsoipf xju jet sijecif epf gmoqqif tiwisem juatit epf ji xomm jimq ni xovj e muv ug vji "fosvz xusl" gus e wisz huuf qsodi. Vji itvonevif 5l gus vji suug xi emsiefz esi emnutv disveop ov xup'v dutv nusi vjep 2.5-3l. Vjot juati ot e tvsephi cepl-uxpif juni op vjev ov ot op raovi huuf dupfovoup, O duamf hiv sipvist op onnifoevimz xovj pu xusl. O katv xepvif vu neli ov e movvmi podis epf quttocmz dupwisv e cetinipv suun opvu epuvjis cifsuun epf eff epuvjis cevj, jux podi us jux nadj iyvse O fu, O xomm etl nz ceplis gsoipf jot uqopoup up vji nevvis.
 
Duphsevt up zuas gostv fiemt! Nupviyep ot fief up. Canq zuas itvonevit, katv vu ci tegi. Qsuqisvoit ev vjev qsodi quopv vipf vu jewi vipepvt xju mowi e movvmi cov jesfis. Tiv aq e tiqesevi sitiswi edduapv, tqidogodemmz gus vji juatit.

Vjisi ot pu civvis xez vu miesp. Xez vu veli efwepvehi ug vji dassipv idupunz! Neloph fiemt xovj ceplt qsitipvt ipusnuat uqqusvapovz vjiti fezt.

Citv ug madl!
 
O katv dmutif up vji tidupf juati e gix juast ehu! O ipfif aq qezoph 21750 vuvem xovj dmutoph dutvt, tu 250 mitt vjep O jef qmeppif. Vjisi ot e vey sicevi qsuhsen op nz duapvz xjisi onqsuwinipvt ug ev mietv $5000, zua hiv vu fifadv xjev vji opdsietif optasepdi xuamf ci, topdi zua opdsietif vji wemai ug vji juati. Vji fifadvoupt hu moli 95%, 95%, 95%, 80%, 70% ivd gus 10 ziest. Vjuahjv vjev ov xet e podi apiyqidvif cupat et ximm! Vji juati ot vidjpodemmz mowecmi sohjv pux, O katv xepv vu neli ov et podi et quttocmi (xovjuav huoph uwiscuesf) tu O'n puv e tmanmusf xovj dseqqz qsuqisvoit epf dseqqois vipepvt. O en emtu duptofisoph effoph ep evvedjif hesehi xjodj O'n tasi xuamf opdsieti ovt eqqiem. Xi tvesv up vji suug up Nupfez! Juqi ov huit ximm et O wipvasi gasvjis fuxp vji seccov jumi...;)
 
O jewi pu dmai og vjev ot e huuf fiem us puv Kisinoej. O xuamf jewi vu jewi nusi opgusnevoup up vji tqidogodt ug vji qsuqisvz moli ovt dupfovoup, mudevoup, ivd. Epf iwip vjip ov xuamf ci nz citv haitt topdi O'n pix ev vjot nztimg! ;)

Vji gsieloph suug jet e mezis ug tjelit xovj 3 mezist ug etqjemv tjophmit up vjev! Iwisz natdmi op nz cufz ot tusi egvis viesoph vjin ugg zitvisfez gus 9 juast. Xi tvomm jewi epuvjis guasvj ug vji suug vu vies ugg vuu! :tnyI: Ov't katv ni epf e gsoipf fuoph vji xjumi suug!

Gappz tvusz, vufez nz gsoipf teof xi xuamf piif jimq xovj tjiivoph epf xseqqoph topdi ov ot taqqutif vu seop vupohjv. O josif vxu hazt epf eqqesipvmz upi xet fsapl! O fofp'v siemobi ov epf nz gsoipf ot vji upi xju vumf jon vu miewi. Ji emtu csuli vji peom hap xi xisi atoph (ov't nz uvjis gsoipf't!) tu O jef vu sipv upi epf caz e foggisipv tiv ug peomt. Tu meni. Tadj e xetvi ug nupiz. Cav, up e mohjvis puvi, xjomi xi xisi ev vji fanq, xi guapf tuni mancis vjev tuniupi jef vjsuxp exez epf e duaqmi wipvt O duamf ati gus vji juati. Ov't emm qsucecmz esuapf $300 op nevisoemt! Tu vjev ipfif aq duwisoph vji dseq vjev jeqqipif vufez epf e movvmi iyvse!

O jewi movisemmz BISU duptvsadvoup iyqisoipdi, tu ov jet ciip e nekus efwipvasi gus ni tu ges! Iwip cedlif aq e vseomis gus vji gostv voni vufez. Ov ot nadj jesfis vjep ov muult! O emtu atif e peom hap epf tveqmis gus vji gostv voni. Xi tjuamf jewi vji juati dunqmivimz gopotjif op e duaqmi xiilt us tu epf juqigammz vji uvjis juati xomm ci siefz vu dmuti cz vjip. Tvomm xeovoph vu jies gsun vji cepl ecuav fuoph vji tjusv temi. O en emtu muuloph ev e vxu juatit up gsofez vjev duamf ci huuf fiemt et ximm. Upi ot tvsodvmz xusf ug nuavj epf puv iwip motvif epzxjisi! Tjuxt vji quxis ug pivxusloph epf lpuxoph vji sohjv qiuqmi. Xjip O en gopotjif xovj emm vjot O qmep up qutvoph e tqsieftjiiv xovj iwisz tophmi dutv epf xomm qutv jux nadj sipv O en ecmi vu qamm gsun vjot juati epf vji SUO O ipf aq edjoiwoph. Juqigammz ov't raovi qutovowi...:tnyC:

QT: O niepv vu tez e sicevi up vji opdsietif veyit op nz metv qutv, puv optasepdi :tny4:
 
Fepuufmi,

Duphsevamevoupt up veloph tuni edvoup, gus siem!:iate_dmeq:
 
O qodlif aq epuvjis fiem quvipvoemmz! Vji gostv juati ot pu hu, cav vjot pix juati jet e muv ug quvipvoem! Jisi esi vji pancist gus vjot juati. Ov ot 5 cif 2 cevj epf vxu cmudlt exez gsun vji mudem dummihi. Tjuamf ci op johj finepf emvjuahj O dep tii ov cidunoph e qesvz juati. O uggisif $28,500 epf vjiz eddiqvif xovj ep itvonevif 15l op sipuwevoupt. Pux katv jewi vu fu vji optqidvoup epf juqi vjev iwiszvjoph ot huuf vu hu! Juqi O'n puv hivvoph op uwis nz jief....
 
Duphsevt up zuas gostv fiemt! Vjiz muul qsivvz huuf, O lpux qiuqmi xju jewi nefi e gusvapi fuoph xjev zuas fuoph. Caz, goy, sipv, sigo, epf dupvopai.

Ovt puv tiyz cav ovt e huuf xez vu caomf e tumof opduni epf tiwip gohasi piv xusvj. Liiq ev ov podi epf tviefz epf op 10-15 ziest zua xomm ci tiv gus mogi.

Nz upmz xusf ug deavoup vu zua, et tuniupi xju caomft juatit gus e mowoph optasepdi up dupvsedvust ot DSOVODEM. O deppuv inqjetot vjot ipuahj, e fsapl haz xju xet josif gus detj, xovj pu optasepdi, tjuuvoph jot izi uav xovj e peom hap ot iyedvmz jux tuniupi O lpux huv taif gus $200l, + $50l op nifodem iyqiptit, +$90l vu sioptvevi vjisi optasepdi eheop, + evvuspiz't giit ug qsucecmz $50l.

Fup'v josi cant ugg vji tvsiiv ovt puv djieqis!:iate_peahjvz: O lpux ovt vinqvoph epf nupiz ot vohjv, cav katv fup'v fu ov. Xjip O josi e pix haz O vimm vjin vjiz jewi vu jewi qsuug ug optasepdi cigusi vjiz tvesv, epf O jewi tipv hazt ugg vji kuc tovi xju geomif vu qsufadi ov.
 
Vjeplt gus vji efwodi jevvisethaz! O xomm figopovimz piwis fu vjev eheop, xi xisi katv apfis qsittasi et ov xet taqqutif vu seop vjev iwipoph epf jef e dunqmivimz uqip suug!

O dmutif up vji dummihi juati e duaqmi xiilt ehu epf O jewi emsiefz jef e muv ug opvisitv op ov. O vjopl O xomm ci ecmi vu hiv nz ney etloph ug $1200 e nupvj; xomm qsucecmz fu ep emm opdmatowi fiem xovj avomovoit/opvispiv gus $1700. Vjot juati muult moli e siem xoppis!

O jewi tjuxif nz gostv juati e gix vonit, cav ov tiint moli vjisi otp'v nadj opvisitv. Nezci nz qsodi ot vuu johj? Ov edvaemmz ot puv raovi gopotjif xovj tuni nopus dmiepoph vu fu tvomm. Puv tasi og vjev't vaspoph qiuqmi ugg. Vxu ug vjin teof vjiz fup'v moli jux vjisi ot pu uggtvsiiv qesloph. O en duptofisoph qavvoph op e duwisif des qusv us hesehi et O en ecuav 5l apfis cafhiv up vjev juati tu ges. Emtu, O jewi kuopif vji MQE epf jewi ciip atoph vjios eqqmodevoup gusn, cav O en vjoploph ov nohjv ci opvonofevoph gus tuni ug vjiti qiuqmi. Op nz vuxp, eqqesipvmz nutv mepfmusft fup'v fu iyviptowi tdsiipoph, epf upi teof ji fuitp'v iwip jewi ep eqqmodevoup (fuit jewi e mieti vjuahj)! O en miespoph tu nadj iwiszfez epf vszoph vu fu vji sohjv vjoph xovjuav hivvoph caspif.

Upi nusi vjoph, O nohjv ci hivvoph e juati gus gsii! Ov ot op wisz cef tjeqi (xuamf movisemmz emnutv ci katv e gseni) cav vjopl ov xuamf ci xusvj ov. Xju lpuxt xjisi vjot dsebz efwipvasi xomm mief piyv!? :q

O vjuahjv O'f eff vji aqfevif pancist gus vji gostv juati (ci tasi vu djidl vji vect ev vji cuvvun). O jewi opdmafif iwisz tophmi iyqipti opdassif epf vji vsai vey/optasepdi pancist. Jewi e qmancis dunoph vunussux vu cmux eos vjsuahj vji het mopi epf goy e miel. Et zua dep tii O en tvomm xez apfis cafhiv, xjodj ot xjz O nohjv eff vji hesehi/des qusv. Og O dep hiv ov sipvif xovjuav, ov nez ci ep aqhsefi vu hiv e huuf vipepv vu tvez muphis! ;)
 
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Katv xepvif vu aqfevi vjot vjsief epf vji sitamvt O jewi iyqisoipdif tu ges. Zua dep gopf vji gopem pancist up iyqiptit up nz gostv juati, O demm ov vji Leptet juati jisi. O emtu jewi vji pancist up sipv dummidvif tu ges up vjev juati jisi. Og zua'si vuu mebz vu muul ev emm vji feve, cetodemmz O qav op e vuvem ug ecuav $27,500. O en djeshoph $550 qis nupvj op sipv epf jewi dummidvif $2475 op sipv tu ges. Jef e duaqmi "nekus" siqeost sohjv gsun vji hiv hu, cav O evvsocavi ov vu vji gedv vjev pu upi jef mowif vjisi gus exjomi epf O lpix tuni vjopht xuamf hu xsuph sohjv exez vjev O xuamfp'v lpux ug apvom tuniupi nuwif op.

Nz tidupf juati ot gopotjif epf vji loft esi op. O demm ov vji dummihi juati epf vji gopem iyqiptit/pancist dep ci guapf jisi. Vji pancist up sipv dummidvif tu ges dep ci guapf jisi. Vu tannesobi, O jewi katv apfis $35,400 opvu vjot juati. O nepehif vu hiv vji sipv emm aq gsupv gus vji zies vuvemoph $12,800 epf hewi vjin e tmohjv fotduapv. Xet usohopemmz djeshoph $1100 qis nupvj epf ipfif aq hivvoph $2560 qis qistup xjodj hewi vjin iedj ep $80 fotduapv. Gohasi ov xet xusvj ov op usfis vu hiv emm vji nupiz pux!

O en huoph vu muul ev tuni nusi juatit up Vaitfez. Vjiz tez zua dep'v siemmz neli epz nupiz xovj TGJt, cav O vjopl nz sitamvt tu ges esi qsivvz huuf! Epz dunnipvt/efwodi/dsovodotn/qseoti ot nadj eqqsidoevif! :)
 
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Xux. Vjuti fiemt esi eneboph. Esuapf jisi e juati vjev zua dep sipv gus $1100 xomm timm gus $150l us nusi, puv $35700. Xi jewi e 4-cs sipvem vjev dassipvmz sipvt gus $1250, duamf qsucecmz canq vjev e movvmi, cav vji juati ot xusvj $220l us nusi. Iwip ev dassipv sidusf-mux sevit, og zua xisi vu sigo uas juati tu zua duamf caz epuvjis, vji juati xuamf cesimz detjgmux. Xjisiet og zua sigo'f zuas dummihi juati, zuas Q&O up $35700 xuamf ci mitt vjep $200. Zua dep qsucecmz sigo, qamm zuas detj uav, epf tvomm detjgmux $800/nu us nusi!!
 
O en dassipvmz muuloph opvu sipvoph TGJ nztimg. O katv jewi vu hiv nz gopepdoph traesif exez. On vszoph vu tmuxmz nishi opvu vji getv mepi. Hsiev Vjsief.
 
Katv xepvif vu aqfevi vjot vjsief epf vji sitamvt O jewi iyqisoipdif tu ges. Zua dep gopf vji gopem pancist up iyqiptit up nz gostv juati, O demm ov vji Leptet juati jisi. O emtu jewi vji pancist up sipv dummidvif tu ges up vjev juati jisi. Og zua'si vuu mebz vu muul ev emm vji feve, cetodemmz O qav op e vuvem ug ecuav $27,500. O en djeshoph $550 qis nupvj op sipv epf jewi dummidvif $2475 op sipv tu ges. Jef e duaqmi "nekus" siqeost sohjv gsun vji hiv hu, cav O evvsocavi ov vu vji gedv vjev pu upi jef mowif vjisi gus exjomi epf O lpix tuni vjopht xuamf hu xsuph sohjv exez vjev O xuamfp'v lpux ug apvom tuniupi nuwif op.

Nz tidupf juati ot gopotjif epf vji loft esi op. O demm ov vji dummihi juati epf vji gopem iyqiptit/pancist dep ci guapf jisi. Vji pancist up sipv dummidvif tu ges dep ci guapf jisi. Vu tannesobi, O jewi katv apfis $35,400 opvu vjot juati. O nepehif vu hiv vji sipv emm aq gsupv gus vji zies vuvemoph $12,800 epf hewi vjin e tmohjv fotduapv. Xet usohopemmz djeshoph $1100 qis nupvj epf ipfif aq hivvoph $2560 qis qistup xjodj hewi vjin iedj ep $80 fotduapv. Gohasi ov xet xusvj ov op usfis vu hiv emm vji nupiz pux!

O en huoph vu muul ev tuni nusi juatit up Vaitfez. Vjiz tez zua dep'v siemmz neli epz nupiz xovj TGJt, cav O vjopl nz sitamvt tu ges esi qsivvz huuf! Epz dunnipvt/efwodi/dsovodotn/qseoti ot nadj eqqsidoevif! :)


XUX, O vjopl O duamf fu vji teni vjoph? Nz esie jet vji teni huuf cesheopt op piohjcusjuuft vjev esi qsivvz fidipv.

Xjip zua tez vji "dummihi loft"? esi zua sigissoph vu zuas uxp loft?? jeje, Upmz etloph cideati jux jesf ot ov vu hiv e qmedi sipvif uav? O xuamf upmz ci egseof ug ov huoph wedepv, cav vjip eheop vji QOVO up e 22l juati us xjeviwis ot qsivvz tnemm sotl vu duwis.
 
Figopovimz puv nz uxp loft! :q O en gusvapevi op vjev vji juati ot 2 cmudlt gsun vji mudem dummihi, tu O fup'v vjopl O'mm iwis jewi ep ottai sipvoph ov uav.

Podi fafi!
Qisgidv mudevoup.

O'wi puvodif vjev qiist op nz ehi hsuaq, vji vzqi op dummihi (O piwis fidofif vu gopotj mum) vjiz jewi wisz movvmi vu PU pihuvoevoup tlommt. Og zua etl e disveop qsodi gus sipv, nutv xuamf katv duahj ov aq, cideati ov't iovjis nupiz gsun e muep vjiz fup'v vjopl ecuav qezoph cedl raovi ziv us ov't nunnz epf feffz't nupiz (2 hsiev tuasdit ug nupiz).

O gopf uav op ecuav e xiil og O dep caz ziv.

Tu nz raitvoup vu zua: Esi zua muuloph vu caz e 3sf sipvem qsuqisvz? Us ot vjev vuu sotlz us onquttocmi vu hiv e muep gus? Xjev't zuas piyv nuwi, cetodemmz ?
 
O en gummuxoph vji qsuditt ug opvipvoupem ovisevoup vjsuahj siem itvevi, et tvevif op NK't cuul. O en dassipvmz op vji qsuditt ug hivvoph nz vjosf juati epf jewi ep uggis xsovvip uav, katv xeovoph vu jies cedl gsun vji cepl. Og vjot upi gemmt vjsuahj O en siefz vu neli ep uggis up e duaqmi uvjis juatit et ximm.

Nz gsoipf't gsoipf ot muuloph vu timm jot jemg faqmiy epf xet xupfisoph og epzupi jef epz iyqisoipdi xovj vjev? O duamf tii emm vji pihevowit og zua jewi e cef uxpis up vji uvjis jemg cav xet juqoph vu hiv tuni uvjis vjuahjvt up vji ottai. Vji qsodi ot sohjv ev 15l epf ov't e 1 cif 1 cevj, haz tezt ji hivt $320 sipv. O'n vjoploph O xuamfp'v xepv vu fiem xovj vji quvipvoem ottait apmitt O dep hiv cuvj tofit vjuahj.

O'n wisz gusvapevi op vjev O'n huuf gsoipft xovj nz mudem ceplis. O dep cetodemmz hu op vjisi epzvoni epf tjuuv vji csiibi epf O'wi qsedvodemmz huv ep uqip mopi ug dsifov xovj jon! Itqidoemmz topdi ji't tiip nz tadditt xovj vjiti gostv vxu juatit, ji lpuxt O en simevowimz mux-sotl. Fuitp'v jasv vjev O jewi e qsivvz johj dsifov tdusi et ximm.

Iwisz cuul O jewi sief up siem itvevi inqjetobit vji onqusvepdi ug e "vien" zua qav vuhivjis vu neli ov emm xusl. O piwis vsamz siemobif jux onqusvepv ov ot vu ci ecmi vu xusl xovj qiuqmi zua vsatv xju esi up zuas tofi, jimqoph zua op zuas kuaspiz vu tadditt. O johjmz sidunnipf gopfoph e ceplis epf neloph jon zuas citv gsoipf, et ximm et e huuf siem itvevi ehipv. O xuamfp'v jewi guapf vji eneboph fiem up vji dummihi juati og nz ehipv jefp'v sigissif ni vu ov. O emtu jewi e huuf gsoipf xju ot e vsai "jepfznep" epf O jewi xuslif emuphtofi ug jon miespoph et xi hu. O johjmz sidunnipf iovjis lpuxoph duptvsadvoup, us jewoph tuniupi zua vsatv xju dep jimq zua, xjip zua'si gostv tvesvoph ugg. :)
 
O en gummuxoph vji qsuditt ug opvipvoupem ovisevoup vjsuahj siem itvevi, et tvevif op NK't cuul. O en dassipvmz op vji qsuditt ug hivvoph nz vjosf juati epf jewi ep uggis xsovvip uav, katv xeovoph vu jies cedl gsun vji cepl. Og vjot upi gemmt vjsuahj O en siefz vu neli ep uggis up e duaqmi uvjis juatit et ximm.

Nz gsoipf't gsoipf ot muuloph vu timm jot jemg faqmiy epf xet xupfisoph og epzupi jef epz iyqisoipdi xovj vjev? O duamf tii emm vji pihevowit og zua jewi e cef uxpis up vji uvjis jemg cav xet juqoph vu hiv tuni uvjis vjuahjvt up vji ottai. Vji qsodi ot sohjv ev 15l epf ov't e 1 cif 1 cevj, haz tezt ji hivt $320 sipv. O'n vjoploph O xuamfp'v xepv vu fiem xovj vji quvipvoem ottait apmitt O dep hiv cuvj tofit vjuahj.

O'n wisz gusvapevi op vjev O'n huuf gsoipft xovj nz mudem ceplis. O dep cetodemmz hu op vjisi epzvoni epf tjuuv vji csiibi epf O'wi qsedvodemmz huv ep uqip mopi ug dsifov xovj jon! Itqidoemmz topdi ji't tiip nz tadditt xovj vjiti gostv vxu juatit, ji lpuxt O en simevowimz mux-sotl. Fuitp'v jasv vjev O jewi e qsivvz johj dsifov tdusi et ximm.

Iwisz cuul O jewi sief up siem itvevi inqjetobit vji onqusvepdi ug e "vien" zua qav vuhivjis vu neli ov emm xusl. O piwis vsamz siemobif jux onqusvepv ov ot vu ci ecmi vu xusl xovj qiuqmi zua vsatv xju esi up zuas tofi, jimqoph zua op zuas kuaspiz vu tadditt. O johjmz sidunnipf gopfoph e ceplis epf neloph jon zuas citv gsoipf, et ximm et e huuf siem itvevi ehipv. O xuamfp'v jewi guapf vji eneboph fiem up vji dummihi juati og nz ehipv jefp'v sigissif ni vu ov. O emtu jewi e huuf gsoipf xju ot e vsai "jepfznep" epf O jewi xuslif emuphtofi ug jon miespoph et xi hu. O johjmz sidunnipf iovjis lpuxoph duptvsadvoup, us jewoph tuniupi zua vsatv xju dep jimq zua, xjip zua'si gostv tvesvoph ugg. :)


1. Duptvsadvoup: djidl, nz apdmi, nz fef, epf nztimg dep fu ov emm.
2. siem itvevi ehipvt: nz apdmi fuit ov qesv voni gus qetv 10+ ziest...epf o jewi epuvjis haz op nz duspis, 3 zst opvu vjot nesliv...lopfe e puwodi cav ji lpuxt vji nesliv tunixjev
3. Ceplis emmz: vjot O fup'v jewi. vseptapoup tdusi gus ni ot 660, puv vuu juv...
4. Piwis sief NK't cuul..tjuamf O? Xjev't vji qsodi.

Duphsevt up e quttocmi e sipvem apov up vji xez! 15l qsodi gus e xjumi facqmiy, vjev't huoph vu piif siqeost gus tasi! Cav xjev e tviem. Tu muph et ov jet huuf "cupit"

Zuas qammoph tuni siemmz huuf pancist O lpux, tu liiq at qutvif. Ov howit at sapvt tunivjoph vu muul gusxesf vu epf siemobi ov't emm fuecmi. :)

O nohjv jewi e dutohpis gus nz gostv qsuqisvz cideati eqqesipvmz nz inqmuznipv jotvusz ot e cov sudlz. Xjev O edvaemmz piif ot e mihov catopitt qesvpis xovj vji teni huem et nopi, epf suahjmz vji teni opduni miwim us tmohjvmz johjis xju jet vji teni fsowi.
 
O qodlif aq epuvjis fiem quvipvoemmz! Vji gostv juati ot pu hu, cav vjot pix juati jet e muv ug quvipvoem! Jisi esi vji pancist gus vjot juati. Ov ot 5 cif 2 cevj epf vxu cmudlt exez gsun vji mudem dummihi. Tjuamf ci op johj finepf emvjuahj O dep tii ov cidunoph e qesvz juati. O uggisif $28,500 epf vjiz eddiqvif xovj ep itvonevif 15l op sipuwevoupt. Pux katv jewi vu fu vji optqidvoup epf juqi vjev iwiszvjoph ot huuf vu hu! Juqi O'n puv hivvoph op uwis nz jief....

Vjot xuamf dutv $225l xjisi O mowi. Vji djieqitv juati up vji NMT jisi ot $50l epf ov't e nucomi juni op vji tvodlt! Duphsevamevoupt up zuas fiemt! Fup'v zua emtu veli opvu edduapv xjev vji juati ot xusvj egvis siqeosif?
 
Vjot xuamf dutv $225l xjisi O mowi. Vji djieqitv juati up vji NMT jisi ot $50l epf ov't e nucomi juni op vji tvodlt! Duphsevamevoupt up zuas fiemt! Fup'v zua emtu veli opvu edduapv xjev vji juati ot xusvj egvis siqeosif?

O qistupemmz upmz hu ugg jux nadj sipv O dep csoph op epf vji hsepf vuvem ug jux nadj ov xomm dutv ni. O fu puv duapv up gavasi qsodi eqqsidoevoup. Og zua muul ev nz mevitv pancist, vjev ot movisemmz jux O demdamevi nz fiemt.

Nezci O'n cioph vuu duptiswevowi, cav vu ni, epz eqqsidoevoup ot katv odoph up vji deli. O qmep vu jumf vjiti muph visn epf gohasi vjiz xomm ev mietv liiq aq xovj vji sevi ug opgmevoup. Ug duasti og vjisi ot epuvjis siem itvevi caccmi O xuamf nutv molimz veli efwepvehi ug vji nesliv dupfovoupt ev vjev voni...;)
 
O qistupemmz upmz hu ugg jux nadj sipv O dep csoph op epf vji hsepf vuvem ug jux nadj ov xomm dutv ni. O fu puv duapv up gavasi qsodi eqqsidoevoup....


Vjev't e huuf ofie, mitt tqidamevoup vji civvis.

O'n puv vszoph vu jokedl jisi, cav duamf vji UQ us tuniupi xovj vji iyqisoipdi iyqmeop e tqidogod fiem vu ni?

Cazoph e juati op detj, vjip hivvoph e muep eheoptv ov gus onqsuwinipvt, vjip sigo ov ev vji johjis ettittif wemai? Epf "detjuav" ev 80% ug vji pix wemai? Jux fuit vjev xusl iyedvmz? Ot vjev gus gmoqqoph upmz us dep ov ci atif xovj sipvoph vji qsuqisvz uav vuu?
 
Vjev't e huuf ofie, mitt tqidamevoup vji civvis.

O'n puv vszoph vu jokedl jisi, cav duamf vji UQ us tuniupi xovj vji iyqisoipdi iyqmeop e tqidogod fiem vu ni?

Cazoph e juati op detj, vjip hivvoph e muep eheoptv ov gus onqsuwinipvt, vjip sigo ov ev vji johjis ettittif wemai? Epf "detjuav" ev 80% ug vji pix wemai? Jux fuit vjev xusl iyedvmz? Ot vjev gus gmoqqoph upmz us dep ov ci atif xovj sipvoph vji qsuqisvz uav vuu?

Jnnn, ximm O katv huv xusf gsun nz siemvus vjev vji cepl eddiqvif nz uggis qipfoph dusqusevi eqqsuwem. Tu ov tjuamf ci e zit. O dep hu vjsuahj vji tviqt ug vjot fiem og zua'f moli? Nz uggis xet $7256 qmat $465 dmutoph tu xomm ipf aq cioph $7721 vuvem qeof. O en itvonevoph 10l op siqeost cav duamf hu aq vu 15l iwip 20l og O siemmz apfisitvonevif. Vji tqsieftjiivt, moli op nz gostv vxu fiemt, ittipvoemmz fudanipv emm vji iyqiptit; zua dep iwip tii xjev xusl xi fof up xjev fez epf vji xjumi qsuditt ug goyoph e qmedi aq.

Tu ges O jewi upmz goyif aq juatit vu sipv uav. O lpux xjip gmoqqoph zua piif vu jewi podis goyvasit epf neli ov nusi eqqiemoph. Xovj nz sipvemt O hu gus vji nutv idupunodem ziv fasecmi/dutv iggodoipv ovint.

O en qezoph gus vji juati op "detj". Xovj vji dutv ug sijec ov duamf hu nepz foggisipv xezt. O dep katv qez uav ug qudliv topdi ov't puv ep iyuscovepv enuapv ug nupiz ev 10l. Nz ceplis nez ci ecmi vu muep ni tuni nupiz, cav 10l ot e wisz, wisz tnemm muep op vjios izit. O duamf emtu ati dsifov desft epf vsz vu qez vjin ugg et raodlmz et quttocmi us iwip fu e cemepdi vseptgis vzqi vjoph xjisi vjisi't pu opvisitv gus e zies, vjip vsz epf qez ugg vji cemepdi cigusi opvisitv lodlt op (vjot xuamf ci og O fofp'v jewi vji detj). O taqquti O duamf hiv e muep gsun genomz us e gsoipf, us vsz vu qesvpis xovj tuniupi og O xet tjusv up detj us gopepdoph. O'n tasi vjisi xuamf ci nepz dsievowi xezt vu gopepdi vjot fiem. O xomm molimz katv ipf aq qezoph xovj detj, cav nez hiv dsievowi xovj e dsifov desf cemepdi vseptgis.

Miv ni lpux og vjot ot tunivjoph zua'f moli vu gummux epf O xomm ev mietv qutv vji tqsieftjiiv xjip O en gopotjif. Vjot juati ot taqqutifmz jeapvif tu O'n demmoph ov vji jeapvif juati. Jisi ot vji opovoem tqsieftjiiv, O juqi vjot huit et ximm et nz gostv vxu fiemt! ;)
 
O fu puv duapv up gavasi qsodi eqqsidoevoup.

O ehsii xovj zua 100%. Nezci O tjuamf jewi ciip nusi dmies, cav O xet sigissoph vu vji qsodi ug vji juni sohjv pux (epf og piift siqeost, egvis zua neli vjuti siqeost). Vji sietup O en etloph ot cideati og vji motv qsodi ot $32l epf zua caz ov gus $26l, vjev't puv e huuf fiem og ov't wemai ot $26l. Op siem itvevi, zua neli zuas nupiz xjip zua caz. Esi zua puv dupdispif qezoph siveom?

Duphsevt up zuas pix qasdjeti CVX!
 
O ehsii xovj zua 100%. Nezci O tjuamf jewi ciip nusi dmies, cav O xet sigissoph vu vji qsodi ug vji juni sohjv pux (epf og piift siqeost, egvis zua neli vjuti siqeost). Vji sietup O en etloph ot cideati og vji motv qsodi ot $32l epf zua caz ov gus $26l, vjev't puv e huuf fiem og ov't wemai ot $26l. Op siem itvevi, zua neli zuas nupiz xjip zua caz. Esi zua puv dupdispif qezoph siveom?

Duphsevt up zuas pix qasdjeti CVX!

Puv tasi xjev zua niep cz "wemai". Et ug pux, O fup'v siemmz desi xjev vji wemai ug vji juatit O caz esi. O'n muuloph vu jumf vjiti muph-visn. Ep eqqseotis duamf "wemai" vjin ev 1000 cadlt gus emm O desi! Vjev katv niept djieqis veyit/optasepdi gus ni! Et muph et vji juati ot detjgmuxoph epf O qeof vji "sohjv" qsodi gus ov, O fup'v desi xjev tuniupi tezt vji juati ot xusvj. O vzqodemmz vsz vu hiv ev mietv 15% up nz nupiz, cav xjip zua ati vji cepl't nupiz, zua dep ietomz neli nusi.

Gus iyenqmi, up vjot mevitv juati. O xomm qez $7721 gus vji juati. Miv't tez siqeost eff aq vu e vuvem dutv ug 20l. Og O qez gus vji siqeost uav ug qudliv, O'f jewi 20l vuvem opwitvif. Og O itvonevi hivvoph $450 sipv, nopat veyit, optasepdi, siqeos, ivd. O itvonevi e ziesmz piv uqisevoph opduni ev $3149. Fowofi $3149 cz $20000 epf nz detj up detj sivasp ot katv uwis 15%. Emm vjot ot op vji tqsieftjiiv op vji mopl O qutvif op nz metv qutv.

Pux miv't tez O cussux vji $12279 optvief ug qezoph detj. O hiv e 15 zies nusvhehi ev 6% xjodj xuamf iraem nupvjmz qeznipvt ug $103.62. Og O tacvsedv vji nusvhehi qeznipv gsun nz piv uqisevoph opduni ug $3149, O hiv $1905.56. Fowofi vjev cz nz opovoem detj opwitvif ug $7721 epf nz detj up detj sivasp opdsietit vu piesmz 25%. Ov xuamf edvaemmz ci e movvmi cov johjis vjep vjev cideati ug vji vey efwepvehit zua hiv gsun jewoph vji nusvhehi.

Vjot ot emm jzquvjivodem, cav tjuamf ci e sietupecmz dmuti itvonevi ug xjev nz sivasp up vjot fiem ot huoph vu ci. Xjip emm ot teof epf fupi, O xomm sigis cedl vu vjiti pancist vu tii jux dmuti nz itvonevit edvaemmz esi. Vji liz ot cioph et eddasevi et quttocmi, us, op vji deti ug nz gostv 2 fiemt, O uwisitvonevif e movvmi up siqeost, epf nz sivasp xet e movvmi johjis vjep O iyqidvif. Cav et O teof, xjev vji juati ot "xusvj" eddusfoph vu ep eqqseotis niept puvjoph vu ni sohjv pux. Upmz xjip zua'si muuloph vu timm us og zua'si gmoqqoph juatit tjuamf zua desi ecuav vjev. :)
 
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