How to invest in Florida Real Estate without getting screwed -

8/2/2019 How to invest in Florida Real Estate without getting screwed -

1/15

Zlkt Sa} Da`*t EàzKfa}t C`ymrtc`j C` Hk`dC` Ihavcdk Ba}hd M`d ]~Bartc`j Sa} k Iavt}`m+

< Bvctcbkh âc`tr ai Cìavgktca` Sa}

KFRAH]TMHS G]RT E@AZ

Fmiavm C`ymrtc`j k ^m``s

C` Hk`d C` Ihavcdk

Dmkv Ivcm`d ..

Kr sa} rt}ds mymvs zavd ai tlcr vm~avt sa} zchh fm kgkmd k`d ragm ai tlm

rlm`k`cjk`r sa} `mymv e`mz m|crtmd k`d rt}``md ta hmkv` zlkt ragm }`rbv}~}ha}r

~ma~hm zchh da iav k f}be.

Cgkjc`m laz ct za}hd immh ci sa} zmvm ta f}s k ~cmbm ai hk`d c` Ihavcdk a`hs ta

hktmv ic`d a}t cr zkr rzkg~hk`d c` Ihavcdk Tlkt za}hd immh tmvvcfhm za}hd`t ct1

Lmvm cr k rgkhh ~avtca` ai zlkt C kg jac`j ta vmymkh ta sa} k`d ZKV@ SA] KLMKD

AI TCGM zlkt m|kbths ta haae a}t iav.

+ Rbv}f'Oksr Tlm hctthm fcvdr tlkt dmrtvas ~va~mvts ykh}mr k`d iavt}`mr

+ Rzkg~ Hk`d Zlkt r~mbcicbkhhs ta zktbl a}t iav

+ Tk| Dmmd Hatr tlm dcvts hctthm rmbvmt fmlc`d tlmg k`d laz tlms bart

g}htc~hm tla}rk`dr c` lcddm` immr hktmv.

+ Hat Kbbmrr Laz za}hd sa} hcem ta az` k hat k`d àt lkym kbbmrr ta ct1

+ Hat Rcm Tlmvm kvm gk`s hatr taa rgkhh ta f}chd a` Sa} Da @at Zk`t Ta

Jmt Rt}be Zctl A`m ai Tlmrm+ Sa} ba}hd jmt rt}be zctl k ~cmbm ai hk`d tlkt

cr`t zavtl k ~at ta ~mm c`( àv k zc`daz ta tlvaz ct a}t+


2/15

+ Hat ]tchctcmr Fmhcmym ct av àt( tlmvm kvm fmk}tci}h r}fdcycrca`r khh aymv

Ihavcdk zctla}t mhmbtvcb ta tlmg. Emm~ vmkdc`j sa} zchh hmkv` gavm+

Fs Tlm Tcgm Sa} Bag~hmtm Vmkdc`j Kfa}t :>- ai Tlcr Vm~avt( Sa} Zchh Fmjc` TaImmh k Rm`rm ai Bkhg`mrr k`d Immh K`s Imkv ai C`ymrtc`j c` Hk`d C` Ihavcdk Ikhh

Kzks Fmbk}rm Sa} Kvm Jmttc`j Tlm Md}bktca` Sa} @mmd Klmkd Ai Tcgm k`d Zchh

Eàz Zlkt Ta Haae A}t Iav k`d Zlkt [}mrtca`r Ta Kre.

Sa} Kvm Jmttc`j Tlm Rtvkcjlt Rbaa~ Sa} @mmd Fmiavm C`ymrtc`j K Dcgm ai Sa}v Lkvd

Mkv`md Ga`ms+

Hmtr Jmt Rtkvtmd ..;.Rb}f'Oksr Tlm tmm`rs'zmm`rs tc`s hctthm fcvdr tlkt ba}hd gkem

sa}v hat zavtlhmrr

Tlm Ihavcdk Rb}f'Oks cr k rgkhh fh}m fcvd tlkt haaer hcem k Fh}moks. Ct cr ~vatmbtmd

}`dmv Rtktm k`d Imdmvkh hkzr k`d hcymr c` tlm Rbv}f kvmkr. Lm`bm ,C tlcè# tlm

`kgm Rbv}f'Oks. C` kddctca` ta tlmg( tlm kvmk tlms hcym c` cr ~vatmbtmd kr zmhh.

Tlm ]`ctmd Rktmr Icrl k`d Zchdhcim Rmvycbm lkr dmrcj`ktmd gk`s hatr c` Ihavcdk kr

Rbv}f'oks hatr.

Rbv}f'oks hatr kvm r~vmkd tlva}jla}t tlm rtktm.

Iav tlm gart ~kvt( ci tlmvm kvm lagmr f}cht c` tlm kvmk( sa} da`t lkym g}bl ta

zavvs kfa}t }`hmrr tlm r}fdcycrca` cr bharm ta k` aymvjvaz` kvmk.

Tlm`( sa} gks lkym k ~vafhmg.

C i tlm hat sa} kvm haaec`j ta ~}vblkrmk hat tlkt lkr k Rbv}f'Oks dmrcj`ktca` .


3/15

C t Cr @at F}c hdkfhm+Jmttc`j k ~mvgct ta f}chd a` k Rb}f'Oks hat cr ymvs dciicb}htci àt cg~arrcfhm. Ra

zls fatlmv c`ymrtc`j c` a`m1

Lmvm cr k hcè ta tlm hctthm bvcttmvr

ltt~?!!zzz.izr.jay!ymvafmkbl!cgkjmr!~dihcfvkvs!irok.~di

ci sa} kvm ra c`bhc`md ta vmkd }~ a` tlmg.

Gk`s c`ymrtavr lkym hart tlmcv rlcvtr c`ymrtc`j c` Rbv}f'Oks hatr tlcèc`j tlms

eàz fmttmv( k`d gk`s gavm lkym hart k r}frtk`tckh r}g fs hcrtm`c`j ta ikrt tkhec`j

~ctblgm` rmhhc`j tlmg.

Iav Jaad`mrr'Rkemr . Da`t Hmt tlcr lk~~m` ta sa}.

Tlmvm kvm gavm tlk` mà}jl hatr k`d kykchkfhm ~va~mvtcmr khh aymv Ihavcdk.

Zls vcre ct1

Mymvs Ba}`ts c` Ihavcdk tlkt lkr Rbv}f'Oksr lkr k hcè ta tlm ~vatmbtmd kvmkr k`d hatr.

Lmvm cr k hcè ta Blkvhattm Ba}`ts Rbv}f'Oks cìa?

ltt~?!!zzz6.blkvhattmih.bag!rbv}foksrmkvbl!

Da @at Tv}rt K`sa`mKre Haae k`d Ymvc is

FMIAVM Sa} ^}vblkrm k ^va~mvts

6. Rzkg~ Hk`d Rbkgr &Ci sa} fmhcmym tlkt C*ym jat k fvcdjm ta rmhh sa}&


4/15

C` tlm ;39>r k`d ;3:>r( rbkggmvr }rmd `ktca`zcdm kdymvtcrc`j ta h}vm ycbtcgr ta

f}s Ihavcdk vmkh mrtktm zctla}t ycrctc`j tlm ~va~mvtcmr icvrt.

Ct zkr k iavg ai baìcdm`bm tvcbe. Tlm `mz az`mvr bkgm ta ic`d tlmcv hk`d zkr

}`dmv zktmv c` k rzkg~ av c` ragm atlmv zks cg~arrcfhm ta f}chd }~a`.

FM BKVMI]H? Rzkg~hk`d rbkgr rtchh abb}v c` Ihavcdk.

Tlm C`tmv`mt lkr fva}jlt kfa}t k vmr}vjm`bm yck a`hc`m k}btca`r ai Ihavcdk vmkh

mrtktm. Rbkggmvr bcvb}gym`t baggmvbckh vmjcrtvktca` vm{}cvmgm`tr fs gkec`j

a`m'a`'a`m rkhmr.

Zlkt ta zktbl a}t iav?

Fm bk}tca}r ai khh dmkhc`jr ci sa} lkym àt ~lsrcbkhhs ycmzmd tlm ~va~mvts. @az'k'

Dksr( ct cr g}bl mkrcmv ta haae fmiavm sa} f}s fmbk}rm ai tlm c`tmv`mt. Ct cr ymvs

mkrs ta ymvcis k hat yck haaec`j a` tlm ba}`ts zmfrctm k`d ycmzc`j Kvcmh ~latar(

a`c`j badmr( vakdr( }tchcts ~ahmr( mtb.

2. Tk| Dmmd Hatr Tk| Dmmdr ^mvra`kh Dcrbhkcgmv.

C kg Hcbm`rmd C` Vmkh Mrtktm c` tlm Rtktm ai Ihavcdk C F}s( Rmhh(

C`ymrt k`d Fvaemv Vmkh Mrtktm Iav k Hcyc`j. C Lkym k F}rc`mrr

Hcbm`rm k`d k Bav~avktca`. C Hcym c` RZ Ihavcdk k`d kg Ymvs

Mkrs Ta Ic`d.

C KG @AT Ragma`m Zla Dmkhr c` Hatr A}t ai TlmTv}è ai Gs Bkv Zla Gks Yk`crl Zctla}t k Tvkbm

TagavvazC KG @ATK` Kttav`ms k`d C Da @at ^vkbtcbm Hkz( @av Da C

Jcym Hmjkh Kdycrm ]`dmv K`s Bcvb}grtk`bmr. Sa} KvmKdycrmd ta Da Sa}v Az` Vmrmkvbl.


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Tlcr cr @AT kdycrm c` k`s zks. ^hmkrm ba`tkbt k {}khcicmdkttav`ms iav hmjkh kdycbm.

Tlkt fmc`j rkcd( tkem k haae àz kt laz k ~va~mvts jmtr k Tk| Dmmd.^va~mvts tk|mr fmbagm dmhc`{}m`t K~vch ;rt ai mkbl smkv.

Kt tlkt tcgm( tlm Tk| Bahhmbtav lkr k Tk| Bmvtcicbktm rkhm. Tlcr cr k tk| hcm` a` tlm

~va~mvts.

Ci k bmvtcicbktm cr àt vmdmmgmd( ,fkbe ~va~mvts tk|mr ~kcd c` i}hh# zctlc` 6 smkvr(

tlm ~va~mvts cr mhcjcfhm ta fm rahd kt k tk| dmmd k}btca`.

Tlm Tk| Dmmd k}btca` fcd rtkvtr kt tlm bart ta ~ks khh fkbe tk|mr. Ci à'a`m fcdr a`

tlm ~va~mvts( tlm ~va~mvts jamr ta tlm ~mvra` zla ~kcd tlm tk|mr. Ct cr jvk`tmd yck

k Tk| Dmmd.

ZKV@C@J? Bmvtkc` hcm`r r}vycym tlm rkhm k`d vmgkc` a` tlm ~va~mvts+

Hcm`r zctl tlm Imdmvkh Jaymv`gm`t ,CVR#( Rtktm Jaymv`gm`t( k`d Habkh

Jaymv`gm`t jm`mvkhhs r}vycym k Tk| Dmmd K}btca`.

Da sa} vmkhhs zk`t ta blk`bm f}sc`j k ~va~mvts zctl k` CVR hcm` a` ct11

Tlmvm cr k` mym` }jhcmv ~kvt ai k Tk| Dmmd ~va~mvts tlkt cr em~t {}cmt ivag tlarm

~ma~hm dmkhc`j c` Tk| Dmmd ~va~mvtcmr tlms bk`àt jmt Tcthm C`r}vk`bm zctla}t

jac`j tlva}jl k ymvs m|~m`rcym k`d hm`jtlhs r}ct iav [}cmt Tcthm. Tlcr ~vabmrr( ci

sa} bk` ic`d k` Kttav`ms av Tcthm bag~k`s ta da ct bk` bart àvtl ai $2(>>> k`d

tkem }~ ta k smkv+

Ct cr cg~avtk`t zlm` ~}vblkrc`j k Tk| Dmmd hat tlkt sa} da k hcm` rmkvbl.

K jaad rtkvt cr ta }rm tlm Ba}`ts Vmbavdr RmkvblGk`s c`ymrtavr lahd tk| dmmd hatr.

Tlms lkym k hat gavm vcre tlk` k zkvvk`ts dmmd hat zctl tcthm c r}vk`bm. Mym`

tla}jl tlmvm cr k lcjlmv ~vaict ~atm`tckh( tlm dazìkhhr kvm rcj`cicbk`t.

FMZKVM ci sa} kvm jac`j ta c`ymrt c` k Tk| Dmmd ^va~mvts.


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Kr khzksr hcem zctl k`s c`ymrtgm`t( ~hmkrm }rm d}m dchcjm`bm.

Tlm A@HS zks ta mym` ba`rcdmv k Tk| Dmmd ~va~mvts cr ci sa} zmvm

~hk``c`j a` lahdc`j ct iav gavm tlk` 4 smkvr. Tlm vmkra` iav tlcr cr( tlmvm cr k

Ihavcdk gk`dktm tlkt rksr kitmv 4 smkvr( tlm lahdmv ai tlm dmmd gks k~~hs iav tcthm

c`r}vk`bm. Tlmvm kvm tcthm c`r}vk`bm bag~k`cmr a}t tlmvm zchhc`j ta crr}m tlm

c`r}vk`bm kitmv 4 smkvr lkr mhk~rmd iav k imm ai ba}vrm.

4.Hat Kbbmrr Laz za}hd sa} hcem ta az` k hat k`d àt lkym kbbmrrta ct1

Tlmvm kvm l}`dvmdr ai hatr c` Ihavcdk tlkt kvm r}fdcycdmd( f}t lkym à

kbbmrr. Tlmrm hatr kvm àt f}chdkfhm.

& Gkem r}vm sa} rmm k` kmvckh ~cbt}vm ai tlm hk`d sa} kvm f}sc`j takrr}vm ct lkr ~va~mv kbbmrr.

& Khra( atlmv lagmr c` tlm kvmk kvm k jaad rcj`kh tlkt tlm hat crf}chdkfhm ,gkem r}vm sa} da k Rbv}f'oks rmkvbl#.

=.Hat Rcm Tlm kymvkjm f}chdkfhm hat rcm c` Ihavcdk cr ;>> | ;>>.Lazmymv( ~hmkrm fm kzkvm tlkt tlmvm kvm gk`s hatr taa rgkhh ta f}chd a`+

Smkvr kja( fmiavm a`c`j k`d lmkhtl dm~kvtgm`t rtk`dkvdr zmvm rmt( gk`sr}fdcycrca`r zmvm da`m. Ragm ai tlmrm r}fdcycrca`r kvm rtchh kykchkfhm fmbk}rm

tlms dcd àt rmhh a}t iav a`m vmkra` av kàtlmv. Tlm Ihavcdk f}rc`mrr bsbhm c`

tlm ~krt lkr fmm` faag k`d f}rt( k`d gk`s tcgmr tlm dmymha~mv zm`t a}t ai

f}rc`mrr d}vc`j tlm bavvmbtca`. Tlmrm r}fdcycrca r kvm rtchh tlmvm( f}t zctl `mz


7/15

a`c`j }~jvkdmr k`d r}bl( gk`s ai tlmg sa} àz `mmd 6 hatr ta bagfc`m k`d

gkem a`m.

Tlmrm hatr kfaym kvm a`hs 4> immt zcdm. ]`hmrr sa} zk`t k 6> iaat zcdm lagm

,zctl rmtfkber#( C za}hd r}jjmrt sa} vmivkc` ivag f}sc`j tlcr rcm ai hat. @at ta

gm`tca`( tlms kvm khgart cg~arrcfhm ta vmrmhh. Sa} bk` rmm tlkt gk`s ~ma~hm

f}s tza tajmtlmv jcyc`j immt ai zcdtl. Tlcr cr ic`m. Tlm crr}m sa} `mmd ta fm

kzkvm ai cr tlkt~ma~hm tvs ta rmhh k 4> iaat zcdm hat fs ctrmhi. Tlms da`t

khzksr dcrbharm tlkt sa} kvm àt kfhm ta f}chd gavm tlk` k hkvjm dajla}rm a` ct+

Ra( ~hmkrm eàz sa}v ~va~mvts dcgm`rca`r ~vcav ta c`ymrtc`j. O}rt ra sa} eàz(

tlm hatr zm rmhh kvm jm`mvkhhs k rcm tlkt za}hd kbbaggadktm kt hmkrt k tlvmm'

fmdvaag tza'fktl lagm.

Ci Sa} Lkym K`s [}mrtca`rKfa}t Hat Rcmr ^hmkrm

Ba`tkbt Gm Tlva}jl Tlm Zmfrctm.ltt~?!!zzz.TlmHatJ}s.bag

FM BKVMI]H a` tlcr fmbk}rm a`m hat lkr à ykh}m }`hmrr sa} jmt tlm atlmva`m k`d gk`s c`ymrtavr eàz tlcr k`d rtvktmjcbkhhs f}s }`'f}chdkfhm a`mr

zkctc`j iav tlm a~~avt}`cts ta ja}jm tlm }`'r}r~mbtc`j ~mvra`.

Vmkhhs( zlkt sa} zk`t ta da zlm` ~}vblkrc`j k hat cr c`rcrt a` bharc`j c` k tcthm

bag~k`s aiicbm k`d kre tlm tcthm bag~k`s ta ymvcis khh tlm vm{}cvmgm`tr a` tlm

kjvmmgm`t iav rkhm.

FM BKVMI]H ai tlm ~ma~hm zla c`rcrt a` bharc`jtlm tvk`rkbtca` a}t ai tlm fkbe ai tlmcv bkv( avaymv tlm baiimm tkfhm. FCJ VMD IHKJ++


8/15

9.Vmkh Mrtktm Tk|mr? Zctl tlm vmbm`t dmbhc`m c` ~vcbmr gk`s~ma~hm lkym rta~~md ~ksc`j tlmcv vmkh mrtktm tk|mr.

Tlcr lkr a~m`md }~ k jvmkt a~~avt}`cts iav c`ymrtavr ta ~}vblkrm ~va~mvtcmr

ivag tlm ba}`tcmr iav fkbe tk|mr kt jvmkt ~vcbmr k`d vm'rmhh Tk| Dmm~ hatr.

Ct Lkr Khra A~m`md Tlm Daav iav ragm bvmktcym!r`mkes hat ihc~~mvrta jmt ~va~mvtcmr kt ymvs haz ~vcbmr ,hmkyc`j tlm fkbe tk| fchh kttkblmd ta tlm

~va~mvts# k`d rmhh tlmg aymv tlm c`tmv`mt iav haz ~vcbmr. ,Gkem R}vm Sa} Vmkd

Tlm Ic`m ^vc`t FMIAVM Sa} Gkem k` Aiimv a` Hatr Hcrtmd a` Mfks+# Sa} tlcè

sa} jmt k jaad dmkh k`d tlm`( khh ai k r}ddm` sa} jmt lct c` tlm rcdm ai tlm lmkd

zctl k l}jm fkbe tk| fchh. Ai ba}vrm( tlm ~mvra` zla rahd sa} tlm hat cr ha`j

ja`m k`d sa} lkym à vmba}vrm. ,Tlm Tv}è ai tlm Bkv J}sr C gm`tca`md Mkvhcmv#

Fmiavm sa} ~}vblkrm k ~va~mvts ct cr `mbmrrkvs ta da k rmkvbl

ta ymvcis tlkt tlmvm kvm à fkbe vmkh mrtktm tk|mr azmd.

Gkem r}vm sa} lkym ct R~mhhmd'A}t c` tlm ~}vblkrm

kjvmmgm`t tlm ~va~mvts zchh fm dmhcymvmd Ivmm'

k`d'Bhmkv ai khh hcm`r k`d m`b}gfvk`bmr

:.Hcm`r?Fmiavm sa} ~}vblkrm k` c`ymrtgm`t ~va~mvts K`szlmvm ct cr kzcrm cdmk ta blmbe tlm hat iav k`s a}trtk`dc`j hcm`r. Tlmvm kvm gk`s ts~mr

ai hcm`r tlkt bk` fm ~hkbmd a` k ~va~mvtsfatl jaymv`gm`tkh k`d ~vcyktm.


9/15

Gkem r}vm sa} lkym ct R~mhhmd'A}t c` tlm ~}vblkrm kjvmmgm`t tlm

~va~mvts zchh fm dmhcymvmd Ivmm'k`d'Bhmkv ai khh hcm`r k`d m`b}gfvk`bmr.

+ Tlmrm c`bh}dm hcm`r ivag tlm Ba}`ts iav `a`'~ksgm`t ai bmvtkc` bcts

fchhr.

+ Atlmv hcm`r kvm ~hkbmd a` hatr ivag `a`'~ksgm t ai ^va~mvts Az`mvr

Krrabcktca` D}mr.

+ Tlm C`tmv`kh Vmym`}m Rmvycbm k`d Ihavcdk Dm~kvtgm`t ai Vmym`}m kvm

atlmv kjm`bcmr tlkt bk` ~hkbm hcm`r a` k ~va~mvts.

Tlm kfrah}tm mkrcmrt zks ta kyacd tlmrm ~ctikhhr cr ta dmkh

zctl ragma`m zla cr k ~vaimrrca`kh k`d DMGK@D ta bharm

zctl k Tcthm Bag~k`s.

Ci Tlm Rmhhmv Tvcmr Ta

Rtmmv Sa} Kzks Ivag

K Tcthm Bag~k`s ..

+++V]@+++


10/15

Gart kvmkr lkym mhmbtvcb kykchkfhm ta tlm hat.

LAZMYMV( tlmvm kvm ragm kvmkr zlmvm tlm hk`d zkr r}fdcycdmd( tlm vakdr

~}t c` k`d kvm zctla}t ~azmv hc`mr k`d à ~hk`r c` tlm i}t}vm ta ~}t tlmg

c`+

Cgkjc`m az`c`j k ~cmbm ai ~va~mvts( ~ksc`j tk|mr a` ct tchh sa} jmt vmkds

ta f}chd a`hs ta ic`d a}t hktmv sa} bk`àt jmt ~azmv ta sa}v hat( av

hmkv`c`j ct zchh bart tm`r ai tla}rk`dr ai dahhkvr ta jmt mhmbtvcb tlmvm+

SCEMR++

@az Iav Tlm Jaad @mzr?

ZLS C@YMRT C@ IHAVCDK HK@D1

Ihavcdk lkr k`d zchh ba`tc`}m ta fm a`m ai Kgmvcbk*r ikrtmrt'jvazc`j rtktmr.

^vcbmr kvm k ivkbtca` ai tlmcv 6>>='9 ykh}mr?

& Vmkh mrtktm ~vcbmr kvm kt k ivkbtca` ai tlmcv lcjlr ivag icym smkvrkja. Ragm hk`d lkr dmbvmkrmd kr g}bl kr 3>-.

& Vmkh Mrtktm KHZKSR Vmbaymvr+ Ct cr a`hs k gkttmv ai tcgm. Tlm{}mrtca` cr laz raa`. Habktca` k`d dmgk`d ai tlm ~va~mvts lmh~

dcbtktm laz {}cbe ct zchh vmbaymv k`d vcjlt àz c` Ihavcdk( ~vcbmr lkym

RTA^^MD ikhhc`j k`d kvm a` tlmcv zks }~.

& Gk`s fcj f}chdmvr kvm fkbe c` tlm gkvemt {}cmths f}sc`j }~ ykrtkga}`tr ai hk`d vcjlt tlcr gc`}tm.

& Ihavcdk cr a`m ai tlm fmrt ~hkbmr iav gmdc}g ta ha`j'tmvg hk`dc`ymrtc`j.

& Tlm 6>>: gavtjkjm!bvmdct bvcrcr cr bvmktc`j gk`s a~~avt}`ctcmr taf}s zmhh habktmd hk`d ) hatr kt fkvjkc` ~vcbmr.


11/15

& Vkvmhs da f}smvr lkym tlm blk`bm ta f}s kt kfrah}tm gkvemtfattagr k`d hk`d cr tlm fmrt zks ta ~kvtcbc~ktm zlm` tlm Ihavcdk vmkh

mrtktm gkvemt lkr ct*r ~vcbm vmbaymvs.

& Fkrmd a` Ihavcdk*r ha`j tmvg lcjl jvaztl vktm ivag cggcjvktca`(vmtcvc`j fkfs'faagmvr( k`d atlmvr kttvkbtmd ta Ihavcdk*r bhcgktm(

fmkblmr( k`d lcjl mg~hasgm`t jvaztl( tlcr blk`bm ta f}s hk`d kt

dvkgktcbkhhs haz ~vcbmr zchh fm tlm fmrt zm zchh rmm c` a}v hcimtcgmr.

& Tlm `mmd iav zmhh'habktmd hk`d cr jvazc`j( Ihavcdk*r ~a~}hktca`jvmz fs 2;4(>>> c` 6>>: k`d lkr jvaz` fs gavm tlk` 6(>>>(>>> rc`bm

tlm smkv 6>>>.

& ^vcbm bsbhmr kvm gavm m|tvmgm c` hk`d tlk` atlmv vmkh mrtktm. Zmkvm ~krrc`j tlm haz ~ac`t ai tlcr bsbhm( zlcbl cr daz` 9> ta - ivag

tlm r}ggmv( 6>>= lcjl ~ac`t ai tlm hkrt bsbhm.

a C`ymrtavr hcem sa} kt tlcr ~ac`t c` tlm bsbhm bk` ~arrcfhs gkem ;>>

ta ;=>- av gavm zlm` ~vcbmr jmt fkbe ta tlm hmymhr ai tlm

r}ggmv ai 6>>=. Rc`bm ~vcbmr kt mkbl bsbhm lcjl }r}khhs m|bmmd

tlm ~vmyca}r lcjlr( ~atm`tckh jkc`r kvm m|bmhhm`t bag~kvmd ta

gart atlmv c`ymrtgm`tr.

& F}chdc`j hat ykh}mr jvaz ba`rcrtm`ths aymv ha`j ~mvcadr ai tcgmfmbk}rm tlm ~a~}hktca` ai Ihavcdk cr jvazc`j fs 2>>(>>>% ~ma~hm!smkv

k`d tlm kga}`t ai dmrcvkfhm( f}chdkfhm hk`d cr rlvc`ec`j.

a Hk`d c` Ra}tl Ihavcdk k`d zctlc` k 2> gc`}tm dvcym ai tlm bakrt cr

tlm gart hcemhs ta c`bvmkrm c` ykh}m fmbk}rm tlkt*r zlmvm 3>

~mvbm`t ai tlm ~ma~hm zk`t ta hcym.


12/15

& Hatr da`*t jcym sa} gk`kjmgm`t k`d gkc`tm`k`bm lmkdkblmrhcem vm`tkh ~va~mvtcmr k`d sa} bk` vmkhcm jvmkt dmkhr c` tlcr f}smv*r

gkvemt.

C` a}v zmfrctm ltt~?!!zzz.TlmHatJ}s.bag

sa} bk` ic`d zlkt sa} `mmd ta f}s k jvmkt c`ymrtgm`t ~kvbmh av ~kvbmhr

zlchm ~vcbmr kvm kt tlcr tmg~avkvs khh'tcgm haz.

& Fs 6>2>( tlm ~a~}hktca` ai Ihavcdk zchh lkym r}v~krrmd @mz Savekr tlm `ktca`*r tlcvd hkvjmrt( kbbavdc`j ta tlm Bm`r}r F}vmk}. Mrtcgktmr

rlaz k jkc` ai ;; gchhca` vmrcdm`tr aymv tlm `m|t 6= smkvr. Tlm hktmrt

bm`r}r ~vmdcbtca`r rlaz Ihavcdk*r b}vvm`t ~a~}hktca` ai ;:.= gchhca`

k~~vakblc`j 6> gchhca` fs 6>;> k`d ta~~c`j 6; gchhca` icym smkvr hktmv.

Tlm lcjlmrt ~mvbm`tkjm ai ~ma~hm vmhabktm c` bakrtkh kvmkr gkec`j

hk`d c`ymrtgm`t c` tlcr kvmk {}ctm h}bvktcym. Kfa}t 4> ~mvbm`t ai tlm

~vaombtmd jvaztl zchh bagm ivag ~ma~hm 9= k`d ahdmv. Tlm mhdmvhs zchh

bag~vcrm 6:.; ~mvbm`t ai Ihavcdk*r ~a~}hktca` c` 6>2> '' }~ ivag ;:.9

~mvbm`t c` 6>>>. Ihavcdk zchh fm a`m ai ;> rtktmr zlmvm vmtcvmmr zchh

a}t`}gfmv rblaahblchdvm`. C` 6>>>( blchdvm` a}t`}gfmvmd ~ma~hm 9=

k`d ahdmv fs (>>> c` tlm rtktm ai Ihavcdk. F}t ...fs 6>2>( tlm &}`dmv

; ~mvbm`t.


13/15

9 Cg~avtk`t Tlc`jr

Sa} G}rt Haae Iav Zlm`

C`ymrtc`j c` Hk`d c` Ihavcdk

;. Hc{}cdcts? Hc{}cdcts cr cg~avtk`t. Sa} zk`t ta fm kfhm ta vmrmhh sa}v ~va~mvts c` k

vmkra`kfhm kga}`t ai tcgm ci sa} zk`t k`d!av `mmd ta hc{}cdktm. K hat c` k dmrcvmd

kvmk( ~vcbmd kt k jaad ykh}m( zchh gk|cgcm hc{}cdcts.

6. Bkvvsc`j Bartr? Zlkt jaad cr k hk`d c`ymrtgm`t ci tlm bartr krrabcktmd zctl

az`c`j tlm ~va~mvts ,bkvvsc`j bartr# mkt }~ khh tlm ~vaictr1 Iav c`rtk`bm( hmtr rks sa}~}vblkrm k` c`ymrtgm`t hat iav $;>(>>> k`d vmrmhh ct icym smkvr hktmv iav $;=(>>>.

Tlcr rmmgr hcem k jaad dmkh vcjlt1

Gksfm+.

Ci ct bartr sa} $;(=>> ~mv smkv c` tk|mr( d}mr( krrmrrgm`tr( rmhhc`j bartr( mtb. sa}

za}hd kbt}khhs lkym $;:(=>> c`ymrtmd k`d rmhh iav $;=(>>> kt k harr ai $6(=>>.

A`m ai tlm ~vcgkvs vmkra`r C ~mvra`khhs c`ymrt c` RZ Ihavcdk cr fmbk}rm ai tlm haz

bkvvsc`j bartr.

Gart hatr zchh a`hs bart $;=>'$2=> ~mv smkv ta lahd.

2. Kgm`ctcmr? Kgm`ctcmr `mkv tlm ~va~mvts kvm cg~avtk`t zlm` tvsc`j ta vmrmhh k hat.

Hatr c` v}vkh kvmkr kvm g}bl gavm dciicb}ht ta rmhh tlk` hatr c` }vfk` kvmkr.

RZ Ihavcdk lkr gart ai tlm kgm`ctcmr ai k hkvjm bcts ,gkhhr( gaycm tlmktmvr(

lar~ctkhr( jaad rblaahr( blkc` vmrtk}vk`tr( rla~~c`j( mtb.# zctl k rgkhh bcts immh.

4. Vmbvmktca`? Zlkt da sa} haae iav zlm` ~}vblkrc`j k ~va~mvts1

Tlc`e kfa}t ct iav k gc`}tm. Gk`s ~ma~hm jmt c`tmvmrtmd c` ~va~mvts fmbk}rm ai k

immhc`j.


14/15

Tlms ~cbt}vm tlmgrmhymr a` tlm fmkbl( ~hksc`j jahi c` tlm zc`tmv( bktblc`j k hkvjm

icrl c` tlm lkvfav( av mòasc`j tlm zkvg zmktlmv.

RZ Ihavcdk lkr ct khh. Sa} kvm f}sc`j gavm tlk` o}rt hk`d5 sa} kvm f}sc`j c`ta k

dvmkg.

=. Bart? Zlm` sa} ja ta rmhh( cr ct mkrcmv ta rmhh k ~cmbm ai hk`d iav $;>(>>> av

$;>>(>>>1

Tlcr cr kàtlmv vmkra` C blaarm RZ Ihavcdk iav c`ymrtc`j. Tlm hatr kvm k jvmkt ykh}m.

Sa} bk` ~}vblkrm f}chdkfhm vmrcdm`tckh hatr iav }`dmv $;>(>>>. Gavm ~ma~hm lkym

$;>(>>> ta c`ymrt kr bag~kvmd ta $;>>(>>>. Tlcr khra lmh~r zlm` sa} zk`t ta rmhh.

Ci sa} lkym $;>>(>>> ta c`ymrt ct gks fm zavtl ba`rcdmvc`j ~}vblkrc`j tm` hatr kr

bag~kvmd ta a`m m|~m`rcym hat.

Tlcr zks sa} bk` rmhh tlmg {}cbemv av mym` o}rt rmhh k imz ta hc{}cdktm ragm {}cbe

bkrl.

9. Habktca`? Tlcr cr ~vafkfhs tlm gart cg~avtk`t bvctmvck ta haae kt zlm` ~}vblkrc`j

k` c`ymrtgm`t ~va~mvts. RZ Ihavcdk lkr k` cdmkh habktca`. Ct cr habktmd a` tlm J}hi ai

Gm|cba k`d lkr fmk}tci}h zlctm rk`ds fmkblmr. C` kddctca`( ct cr bharm ta c`tmvrtktm C'

:=. Gkec`j ct k` mkrs iav tvk`r~avtktca` ta Avhk`da( It Hk}dmvdkhm( ^khg Fmkbl( k`d

It Gsmvr.

C` rlavt

Ihavcdk bakrtkh hk`d zchh khzksr fm c` lcjl dmgk`d.

C la~m sa} lkym ia}`d tlcr cìavgktca` lmh~i}h kr sa} kvm

c`ymrtc`j c` hk`d.

Ci sa} kvm haaec`j ta ~}vblkrm {}khcts hk`d kt vmr~mbtkfhm

vmkra`kfhm ~vcbmr( gk`s ai zlcbl lkym tmvgr kykchkfhm( ~hmkrm

ycrct a}v rctm k`d blmbe a}t a}v kykchkfhm hatr kt

ltt~?!!zzz.TlmHatJ}s.bag


15/15

Sa} zchh ic`d k` krravtgm`t ai hatr ~vcbmd ta rmhh.

A}v hatr ta rmhh {}cbehs ra blmbe fkbe aitm` kr a}v c`ym`tavs

}r}khhs blk`jmr a` k zmmehs fkrcr.

Khra( ~hmkrm gkem r}vm sa} kvm k gmgfmv ai a}v gkchc`j hcrt ta

vmbmcym mkvhs `atcicbktca`r ai `mz hatr.

Sa}v baggm`tr k`d immdfkbe kvm khzksr zmhbagm. Immh ivmm ta

mgkch ltt~?!!zzz.TlmHatJ}s.bag

Jaad h}be a` sa}v hk`d c`ymrtgm`tr.

Rc`bmvmhs(

^k}h ) Tvas Iavrfmvj

Date post:	05-Apr-2018
Category:	Documents
Upload:	paul-forsberg
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