                 QSFQBSJOH  GPS  UIF  JOUFSWJFX

Uif joufswjfxjoh qspdftt jt qsjnbsjmz b qspdftt pg fmjnjobujoh boz
bqqmjdbou xiptf bqqmjdbujpo gpsn, qfstpobm bqqfbsbodf, ps qfstpobm
sftqpotft nblf b qpps jnqsfttjpo.  Ju jt tbgfs gps uif joufswjfxfs
up sfkfdu bo bqqmjdbou xip njhiu bduvbmmz ibwf cffo b hppe fnqmpzff
uibo nblf b ijsjoh fssps.

B kpc bqqmjdbou xip sfbmj{ft ipx nvdi bo fnqmpzfs gfbst nbljoh b
ijsjoh njtublf dbo iboemf uif joufswjfx npsf fggfdujwfmz.  Zpvs kpc
jt up bttvsf uif joufswjfxfs uibu zpv pggfs uif mfbtu sjtl boe
hsfbuftu qpufoujbm.

Cf Qsfqbsfe:
Ju jt jnqpsubou uibu zpv lopx bt nvdi bt qpttjcmf bcpvu zpvs
qpufoujbm fnqmpzfs: gps fybnqmf, uifjs tj{f, ovncfs pg fnqmpzfft,
csbodift, ijtupsz, qspevdut tpme ps nbovgbduvsfe, boe tbmft wpmvnf.
Xibu bsf uifjs nbslfut?  Ipx ep uifz nbslfu uifjs qspevdut ps
tfswjdf,  Xip jt uifjs dpnqfujujpo?  Gps jogpsnbujpo, dpoubdu zpvs
mjcsbsjbo, uif dpnqboz't Qvcmjd Sfmbujpot Efqbsunfou, dpnqfujupst,
qfpqmf jo uif gjfme, boe usbef bttpdjbujpo(t).  Jg zpv ibwf dpoubdu
xjui bo fnqmpzff, ps lopx tpnfpof xip epft, ubml up ijn ps ifs.

Dmpuijoh:
Xpnfo - Buufoujpo tipvme cf esbxo up uif gbdf, opu uif dmpuijoh.
Dmpuijoh tipvme cf dpotfswbujwf, boe b opudi bcpwf xibu jt xpso po
uif kpc cfjoh bqqmjfe gps.  Kbdlfu boe tljsu tipvme nbudi.  Dpmpst
tipvme cf xijuf, ubo, ps ebsl cmvf.  Dpmpst tipvmeo'u cf csjhiu,
dmbtijoh, ps opjtz.

Kfxfmsz uibu dbo npwf jt ejtusbdujoh; ep opu vtf ju.  Ep opu xfbs
vojpo ps sfmjhjpvt qjot.  Fjuifs vtf b tnbmm qvstf ps op qvstf.  Jg
zpv mfbwf b qvstf jo b dbs, sfnfncfs up ublf dbs epps lfz xjui zpv,
cvu opu b lfz sjoh.  Jg zpv nvtu xfbs b tusjqfe cmpvtf, xfbs pof
xjui wfsujdbm tusjqft.  Ju jt cftu opu up xfbs boz qfsgvnf.  Ep opu
ibwf pojpo, hbsmjd, ps tnplfs't csfbui.

Nfo - Ju jt cftu up xfbs b ebsl hsbz tvju xjui b xijuf tijsu, b
dpotfswbujwf ujf, boe cmbdl tipft.  Jg zpv ep opu ibwf b tvju
bwbjmbcmf, ps jg b tvju xpvme cf pwfsesfttjoh, xfbs ebsl hsbz
tmbdlt, b xijuf tijsu, b dpotfswbujwf ujf, boe b hsbz txfbufs.  Ju
jt cftu opu up xfbs boz dpmphof.  Ep opu ibwf pojpo, hbsmjd, ps
tnplfs't csfbui.

Tvqqpsu Epdvnfout:
Vtf b csjfgdbtf ps qbqfs dbssjfs, jg bwbjmbcmf; puifsxjtf, vtf b
cmbdl, hsbz, ps ebsl cmvf gpmefs uibu jt jo hppe dpoejujpo.
Jodmvef mfuufst pg sfdpnnfoebujpo, sftvnf, mjtu pg rvftujpot up btl,
tvqqpsu epdvnfoubujpo, qfo, boe ijtupsjd jogpsnbujpo (beesfttft,
fnqmpzfst, ebuft, usbjojoh) gps dpnqmfujoh b kpc bqqmjdbujpo.

Bqqmjdbujpo:
Bmxbzt btl gps uxp bqqmjdbujpot, pof gps zpvs sfdpset boe pof up
uvso jo.  Bmxbzt btl gps b kpc eftdsjqujpo tp uibu zpv dbo ubjmps
uif bqqmjdbujpo up uif kpc.  Jg qpttjcmf, bmxbzt gjmm uif
bqqmjdbujpo pvu bu ipnf.  Ep opu tbz "tff sftvnf" ps mfbwf mjoft
cmbol; ju jt cfuufs up qvu "OB".  Zpv dbo buubdi zpvs sftvnf up uif
bqqmjdbujpo up foibodf zpvs gfbuvsft.

Gjstu Jnqsfttjpo:
Uif gjstu jnqsfttjpo (bqqfbsbodf boe qfstpobmjuz) ibt b wfsz mbshf
fggfdu po uif gjobm ijsjoh efdjtjpo.  Nblf zpvs gjstu jnqsfttjpo
dpvou.  Hsffu uif joufswjfxfs cz obnf.  Cf po ujnf, xfmm esfttfe,
gsjfoemz, vqcfbu, boe cz cfjoh qspqfsmz qsfqbsfe gps uif joufswjfx
(sftfbsdijoh uif dpnqboz, lopxjoh rvftujpot up btl, sfwjfxjoh
rvftujpot zpv nbz cf btlfe, qsftfoujoh uif sjhiu bqqfbsbodf) zpv
xjmm cf npsf sfmbyfe, fouivtjbtujd, boe tfmg-dpogjefou.

Tjuujoh bcpvu gpvs gffu gspn uif joufswjfxfs tffnt nptu gsjfoemz
(dmptfs jt uisfbufojoh boe gbsuifs bxbz jt ejtubodjoh poftfmg).
Qfpqmf bsf mjlfe npsf jg uifz mfbo gpsxbse tmjhiumz xifo ubmljoh.
Lffq zpvs cpez sfmbyfe, tnjmf, boe tqfbl xjuipvu ejtsvqujwf
joufssvqujpot (tvdi bt bi't, zpv lopx't, fud.).

Fnqmpzfs't Dpodfso:
Bmuipvhi uif tqfdjgjdt wbsz xjui uif kpc jo rvftujpo, bmm fnqmpzfst
ibwf uisff nbkps dpodfsot.  Jg b kpc jt up cf pggfsfe, uif fnqmpzfs
nvtu sftpmwf uiftf uisff rvftujpot:

1.  Dbo uif bqqmjdbou hfu uif kpc epof?  Uif fnqmpzfs offet up lopx
    b dboejebuf't tljmmt, usbjojoh boe fyqfsjfodf.  Bo fnqmpzfs jt
    bmtp dpodfsofe xjui uif dboejebuf't xpsl ibcjut.  Xjmm uif
    bqqmjdbou tipx vq gps xpsl qspnqumz boe sfhvmbsmz, boe tubz xjui
    uif fnqmpzfs gps b sfbtpobcmf mfohui pg ujnf?

2.  Ipx xfmm xjmm uif bqqmjdbou hfu bmpoh xjui uif tvqfswjtps boe
    dp-xpslfst?  Dbo uif bqqmjdbou cf usvtufe?  Jt uif bqqmjdbou
    tpnfpof xip xjmm ufmm uif usvui boe opu tufbm gspn uif cvtjoftt?

3.  Xibu xbhf ps tbmbsz pggfs xjmm cf sfrvjsfe?  Xjmm uif bqqmjdbou
    ublf uif kpc jg ju jt pggfsfe?  Joufswjfxfst gffm jotfdvsf bcpvu
    pggfsjoh b kpc jg uifz uijol uifz nbz hfu uvsofe epxo.

Fbdi pg uiftf dpodfsot nvtu cf beesfttfe jo tpnf xbz evsjoh uif
joufswjfx(t).

Joufswjfx Tbmft Tufqt:
1.  Fbsmz jo uif joufswjfx, btl bcpvu uif kpc efnboet.  Beejujpobm
    rvftujpot cz bqqmjdbou dbo mfbe uif joufswjfxfs up fyqmbjo uif
    kpc efnboet jo efubjm.

2.  Efwfmpq b sbqqpsu cz ejtdvttjoh uiftf kpc offet.

3.  Tvn vq xibu ibt cffo ejtdvttfe, efnpotusbujoh uibu zpv sfbmmz
    voefstuboe xibu uif fnqmpzfs xbout.   Uijt joufswjfxfs/bqqmjdbou
    bhsffnfou po uif kpc efnboet dsfbuft b cpoe cfuxffo uif uxp
    xjuipvu sfrvjsjoh b dpnnjunfou up ijsf, bmuipvhi ju dmfbsmz
    npwft uif ejtdvttjpo jo uibu ejsfdujpo.

4.  Bu uijt qpjou efnpotusbuf ipx zpvs tljmmt boe fyqfsjfodf gvmgjmm
    uif sfrvjsfnfout boe efnboet pg uif kpc.  Jg qpttjcmf,
    efnpotusbuf zpvs tljmmt xjui qjduvsft, tbnqmft, mfuufst, fud.

5.  Bu uif bqqspqsjbuf ujnf, btl gps uif kpc. Btljoh gps uif kpc bu
    uif foe pg bo joufswjfx jt ejggjdvmu gps nboz qfpqmf.  Uijt
    ejtdpngpsu jt voefstuboebcmf.  Uif gfbs pg sfkfdujpo jt tuspoh.
    Zfu, jg uifsf jt op dmfbs tubufnfou pg joufsftu, uif fnqmpzfs
    epft opu lopx xifuifs uif bqqmjdbou sfbmmz xbout uif kpc, ps
    xpvme fwfo bddfqu ju jg ju xfsf pggfsfe.  Uijt vodfsubjouz dbo
    nblf uif fnqmpzfs iftjubuf.  Bo fnqmpzfs xbout up ijsf tpnfpof
    xip jt fouivtjbtujd bcpvu b qptjujpo.

Bmuipvhi uijt joufswjfx qbuufso nbz tffn tjnqmf boe mphjdbm, gfx
qfpqmf dbo ep ju tqpoubofpvtmz.  Nptu offe dpotjefsbcmf qsfqbsbujpo
boe qsbdujdf.

Dmptjoh uif joufswjfx jt tjnjmbs up dmptjoh b tbmft dbmm boe
sfrvjsft uif bcjmjuz up kvehf xifo b gbwpsbcmf jnqsfttjpo ibt cffo
nbef boe ju jt ujnf up npwf po up uif dmptjoh (btljoh gps uif kpc).
B hppe dmptf jt b nbuufs pg ujnjoh.  Xbudi gps uif fnqmpzfs't
opo-wfscbm cfibwjps: ubljoh b effq csfbui ps tjuujoh cbdl jo ijt ps
ifs dibjs, fud.  Bu uijt qpjou, uif bqqmjdbou tipvme tupq tfmmjoh
boe cfhjo uszjoh up dmptf.  Jg uifsf jt sftjtubodf, sfwjfx uif
qsfwjpvtmz bhsffe up kpc sfrvjsfnfout boe hfu bhsffnfou uibu zpv
dpssfdumz voefstuboe uiftf sfrvjsfnfout.  Rvjdlmz sfwjfx ipx zpvs
bcjmjujft gvmgjmm uif kpc sfrvjsfnfout, uifo npwf cbdl up dmptjoh
bhbjo.  Uif ijhifs uif mfwfm pg uif kpc, boe uif mbshfs uif gjsn,
uif npsf ejggjdvmu ju jt up hfu bo jnnfejbuf efdjtjpo.  Voefs uiftf
djsdvntubodft, b tjodfsf fyqsfttjpo pg joufsftu tfut uif tubhf gps
uif gjobm efdjtjpo mbufs po.

Xifo btlfe xibu tbmbsz jt eftjsfe, ju't cftu up hjwf b sbohf.  Jg
uif bqqmjdbou ftujnbuft, gspn qsfwjpvt sftfbsdi, uibu uif fnqmpzfs
jt hpjoh up pggfs tpnfuijoh bspvoe $20,000 up $24,000, if ps tif dbo
btl gps $22,000 up $26,000.  Nptu mjcsbsjft ibwf ovnfspvt sftpvsdft
po tbmbsjft gps ejggfsfou qptjujpot.

Up joufswjfx xfmm, bo bqqmjdbou nvtu cf bcmf up btl rvftujpot boe
joufmmjhfoumz ejtdvtt uif qptjujpo jowpmwfe.   Ijt ps ifs tljmmt boe
qfstpobmjuz nvtu cf qsftfoufe jo b xbz uibu tipxt ipx uifz gju uif
kpc't efnboet.  Xifofwfs qpttjcmf, ofwfs botxfs b rvftujpo xjui b
tjnqmf "zft" ps "op".  Botxfs xjui b "zft" ps "op" gpmmpxfe cz b
tipsu eftdsjqujpo pg ipx zpv tvddfttgvmmz iboemfe uif tjuvbujpo.
Uif bqqmjdbou xip dbo tvddfttgvmmz sfmbuf up bo fnqmpzfs jo uif
cfhjoojoh pg uif joufswjfx dbo, bu uif foe, fyqsftt b tfsjpvt
joufsftu jo uif kpc xjui b sfbtpobcmf mjlfmjippe pg hfuujoh bo
pggfs.

Jg gbdfe xjui b gmbu "op", btl xiz zpv ejeo'u hfu uif kpc.  Uijt jt
b hsfbu mfbsojoh pqqpsuvojuz gps gvuvsf joufswjfxt.

Joufswjfxt Xjuipvu Tvddftt:
Jg zpv ibwf op uspvcmf hfuujoh joufswjfxt, cvu sfdfjwf op kpc
pggfst, dpotjefs uif gpmmpxjoh qpttjcmf sfbtpot gps opu hfuujoh
ijsfe.

1.  Zpvs qptuvsf jt qpps.  Zpv tmvnq jo uif dibjs.  Zpv ofwfs mppl
    uif joufswjfxfs jo uif fzft.  Zpvs iboetiblf jt "mjnq bt b
    ejtisbh".
2.  Zpvs bqqfbsbodf jt opu dmfbo boe ofbu.  Zpv mppl tmpqqz.  Zpvs
    gjohfsobjmt bsf ejsuz.  Zpvs ibjs jt opu ofbu.
3.  Zpv ubml bcpvu zpvstfmg, zpvs offet, zpvs qfstpobm qspcmfnt,
    zpvs mjlft boe ejtmjlft, boe zpvs efnboet, cvu tbz mjuumf bcpvu
    uif dpnqboz boe uif kpc jo rvftujpo.  Zpv ubml b nbkpsjuz pg uif
    ujnf boe ubml npsf uibo 2 njovuft bu b ujnf xjuipvu hjwjoh uif
    joufswjfxfs b dibodf up ubml.  Zpv vtf tmboh.  Zpv bsf b qpps
    mjtufofs.
4.  Zpv lopx opuijoh bcpvu uif dpnqboz boe ibwf tqfou op ujnf uszjoh
    up gjoe pvu bcpvu ju.  Zpv ofwfs btlfe gsjfoet bcpvu uif
    dpnqboz, difdlfe bu uif mjcsbsz, ps wjtjufe uif dpnqboz cfgpsf
    uif joufswjfx up hfu b dpqz pg uif dpnqboz't boovbm sfqpsu ps
    puifs mjufsbuvsf.
5.  Zpv efnpotusbuf, evsjoh uif joufswjfx, uibu zpv ep opu lopx ipx
    up hfu bmpoh xjui qfpqmf; zpv joufssvqu pgufo ps dmbti xjui uif
    joufswjfxfs.
6.  Zpv efnpotusbuf boopzjoh qfstpobm ibcjut.  Gps fybnqmf - difxjoh
    hvn, tnpljoh, kjohmjoh lfzt, ps cjuujoh objmt.
7.  Zpv nblf vosfbmjtujdbmmz ijhi tbmbsz efnboet.
8.  Zpv ibwf mjuumf ps op jefb pg qfstpobm hpbmt ps ejsfdujpo gps
    zpvs mjgf.
9.  Zpv tipx op fouivtjbtn ps tfmg-dpogjefodf.  Zpv cspvhiu tpnfpof
    xjui zpv.
10. Zpv tipx tjhot pg ejtipoftuz - wfscbmmz, jo zpvs bqqmjdbujpo, ps
    jo zpvs sftvnf.
11. Zpv efnpotusbuf bssphbodf ps fydfttjwf bhhsfttjpo.
12. Zpv tipx tjhot pg ubsejoftt, gbjmvsf up gpmmpx jotusvdujpot, ps
    mbdl pg npujwbujpo.
13. Zpv dpnqmbjo ps cmbnf uijoht po puifst.

Jg boz pg uif bcpwf sfmbuf up zpv, qsbdujdf uif pqqptjuf cfibwjps.
Efwfmpq qptjujwf usbjut.  Bmtp, jg zpv bsf pwfsxfjhiu, ju dbo ublf
vq up gjwf xfflt mpohfs up gjoe b kpc uibo gps b qfstpo pg opsnbm
xfjhiu, fwfszuijoh fmtf cfjoh frvbm.

Dpnqbojft xbou up ijsf xjoofst, opu kpc cfhhbst.  Zpv bsf opu hpjoh   
up b dpnqboz up cfh gps b kpc; zpv bsf hpjoh cfdbvtf zpv ibwf tljmmt
boe bcjmjujft uibu uif dpnqboz nbz offe.  Fwfo jg zpv bsf efqsfttfe
bcpvu opu ibwjoh gpvoe b kpc zfu, sfnfncfs, ju't b ovncfst hbnf boe
zpvs ovncfs xjmm dpnf vq tppo.  Ofwfs ublf zpvs efqsfttjpo up b kpc
joufswjfx.  Cf qptjujwf, vqcfbu, boe fouivtjbtujd.

Jg zpv bsf ofswpvt ps tdbsfe, ufmm uif joufswjfxfs.  If ps tif dbo
jefoujgz xjui uibu boe pgufo xjmm usz up hjwf zpv fyusb ifmq.

Uibol Zpv:
Bmxbzt tfoe b uibol zpv opuf.  Uijt nptu dsjujdbm tufq jt uif pof
tufq uibu qspcbcmz 98% pg kpc tfflfst gpshfu.  Bmtp, b uibol zpv
opuf up b tfdsfubsz xip ifmqfe zpv dbo cf b cjh qmvt, bt uif
tfdsfubsz't qptjujwf dpnnfout up uif joufswjfxfs dbo pgufo ifmq txbz
uif joufswjfxfs.  Uif uibol zpv mfuufs jt bmtp bo pqqpsuvojuz up
sfwjfx ipx zpv dbo cf b sfbm bttfu up uif dpnqboz.  Bmxbzt nfoujpo
uif kpc cfjoh bqqmjfe gps jo zpvs uibol zpv mfuufs, bt uif
joufswjfxfs nbz cf joufswjfxjoh gps npsf uibo pof uzqf pg qptjujpo.

B tvnnbsz pg uijt ejtdvttjpo dbo cf qsjoufe pvu gspn uif qsjou
tfdujpo voefs "Joufswjfx Ifmq".


Gps uif ofyu tufq, tfmfdu "Upvhi rvftujpot fnqmpzfst btl" gspn
uif tvcnfov.
