^`dmi fj Lfcticts
B`optir ?7 Hs om RDRE rhk`t ecr ycu3
[`ot hs om RDRE3
[`ot ori t`i nimiehts ce siae domokif supir3
Dcri hmvistdimt cpthcms
Hmvistdimt bcmtrca
Eii tromsporimby
Kimiroa eaixhnhahty
Fc ycu miif tc ni o supirommuothcm ixpirt tc rum om RDRE3
@cw fc RDREs bcdpori wht` ct`ir eumfs cm eiis3
[`ot ori t`i ct`ir eumfs b`orkhmk3
@cw fc RDREs bcdpori3
Hs ht wcrt` swopphmk ycur burrimt supir scauthcm ecr om RDRE3
Fcis om RDRE suht ycur stoki hm ahei3
Xcu t`hmj om RDRE dhk`t ni ecr ycu3
Hm suddory
B`optir >7 RDRE pri$situp b`ibjahst
Rtip ?7 hfimthey t`i didnirs ce ycur RDRE
[`c whaa ni didnirs ce ycur RDRE3
[`c bom ni didnirs ce t`i sodi RDRE3
Fc oaa didnirs s`ori t`i sodi hmvistdimt p`hacscp`y3
R`cuaf ycur b`hafrim ni didnirs3
Rtip >7 siaibt o trustii cr trustiis ecr ycur RDRE
[haa oaa didnirs ni iahkhnai tc ni trustiis3
R`cuaf ycu `ovi o bcrpcroti trustii cr hmfhvhfuoa trustiis3
Rtip 27 bcmshfir ycur cvirsios trovia paoms
Rtip 67 eodhahorhsi ycursiae wht` t`i rcais omf rispcmshnhahthis ce trustiis
[`ot ori t`i pimoathis he ycu kit ht wrcmk3
Rtip 97 fibhfi w`c whaa `iap istonahs` omf ofdhmhstir ycur RDRE
[`ot cpthcms ori ovohaonai tc sit up ycur RDRE3
[`ot cpthcms ori ovohaonai tc ofdhmhstir ycur RDRE3
[`ot sirvhbis whaa om RDRE ofdhmhstrotcr prcvhfi3
@cw fc ycu bcdpori RDRE ofdhmhstrotcr eiis3
[`ot sirvhbis whaa om obbcumtomt prcvhfi omf `cw fc t`iy b`orki3
Rtip 57 fibhfi he ycu miif hmvistdimt ofvhbi
Fc ycu `ovi t`i jmcwaifki tc domoki ycur hmvistdimt pcrtecahc3
@cw dub` thdi fc ycu `ovi tc domoki ycur hmvistdimt pcrtecahc3
@cw fc hmvistdimt eiis wcrj3
R`cuaf ycu siij prceisshcmoa hmvistdimt ofvhbi3
Rtip ;7 fibhfi he ycu miif ehmombhoa ofvhbi
[haa ycu miif ehmombhoa ofvhbi w`im domokhmk ycur RDRE3
[`ot hs t`i bcst ce kitthmk ehmombhoa ofvhbi3
[`iri tc mcw3
RDRE pri$situp b`ibjahst
Hm suddory
B`optir 27 V`i RDRE situp p`osi
Rtips tc sit up ycur RDRE
Rtip ?7 cntohm o trust fiif
Rtip >7 oppchmt t`i trustii(s( ce ycur eumf
Rtip 27 rikhstir ycur eumf
Rtip 67 cpim o nomj obbcumt hm ycur eumf‘s modi
Rtip 97 pripori om hmvistdimt strotiky
V`i rcaacvir prcbiss
Doji suri ycur pirscmoa fitohas ori up tc foti
Bcmshfir dorjit vcaothahty
Hdpaidimt oaa cutstomfhmk strotikhis hmvcavhmk ycur ixhsthmk eumf
^ivhiw omf toji stips tc ritohm ycur ixhsthmk hmsurombi
Hmvisthkoti t`i bcst ce ycur ixhsthmk supir eumf
Bcmshfir storthmk o pimshcm hm ycur ixhsthmk supir eumf
Rundht bcrribt fcbudimtothcm omf hfimthehbothcm
Hm suddory
B`optir 67 Dojhmk bcmtrhnuthcms tc ycur RDRE
Ori ycu iahkhnai tc doji bcmtrhnuthcms3
[`ot typis ce bcmtrhnuthcms bom ycu doji3
Bcmbisshcmoa bcmtrhnuthcms
[`ot hs t`i ahdht cm bcmbisshcmoa bcmtrhnuthcms3
Idpacyir supir kuoromtii bcmtrhnuthcms
Roaory sobrhehbhmk tc supir
\irscmoa fifubthnai supir bcmtrhnuthcms
[`hb` s`cuaf ht ni7 soaory sobrhehbi cr pirscmoa fifubthnai bcmtrhnuthcms3
Mcm$bcmbisshcmoa bcmtrhnuthcms
[`ot hs t`i ahdht cm mcm$bcmbisshcmoa bcmtrhnuthcms3
Vrhkkirhmk t`i nrhmk$ecrworf prcvhshcms
[`ot hs t`i nimieht ce dojhmk o pirscmoa mcm$bcmbisshcmoa bcmtrhnuthcm3
[`im s`cuaf ycu bcmtrhnuti3
Ct`ir typis ce bcmtrhnuthcms omf strotikhis
Kcvirmdimt supirommuothcm bc$bcmtrhnuthcm
Rpcusi bcmtrhnuthcm
\irscmoa hmgury
\rcbiifs ercd t`i soai ce sdoaa nushmiss ossits
Bcmtrhnuthcm spahtthmk
@cw fc ycu doji o pirscmoa bcmtrhnuthcm tc supir3
Hm suddory
B`optir 97 @cw tc bcmstrubt ycur RDRE hmvistdimt pcrtecahc
Rtip ?7 fitirdhmi w`ot typi ce hmvistcr ycu ori
Fitirdhmi ycur cngibthvis omf miifs
Vcairombi tc rhsj
Bopobhty ecr acss
Hmvistdimt thdierodi
Hmbcdi riquhridimts
Rtip >7 fitirdhmi ycur rhsj prcehai
Rtip 27 wcrj cut ycur ossit oaacbothcm
Fieimshvi ossits
Krcwt` ossits
^iscurbis
Hmtirmothcmoa s`oris
Rtip 67 nuhaf ycur pcrtecahc
Fhvirsheyhmk wht`hm iob` ossit baoss
Hmvisthmk t`rcuk` eumfs virsus stcbj phbjhmk
Hmvisthmk t`rcuk` eumfs
\hbjhmk stcbjs
Rtip 97 domoki ycur pcrtecahc
Voji om obthvi opprcob` tc ycur pcrtecahc
Ct`ir hmvistdimt strotikhis
Hm suddory
B`optir 57 Hmvistdimt ruais
\ripori o wrhttim hmvistdimt strotiky
Xcu dust hmvist ecr o scai purpcsi
Jiip ycur RDRE omf pirscmoa oeeohrs siporoti
Modhmk ce ossits
\oyhmk ixpimsis ercd t`i eumf
Nomjhmk hmbcdi hmtc pirscmoa obbcumts
Ni borieua w`im obquhrhmk ossits ercd riaotif porthis
Ahstif siburhthis
Nushmiss rioa prcpirty
Hm$`cusi ossits
Jiip t`hmks ot ord‘s aimkt`
Fcm‘t prcvhfi ehmombhoa osshstombi
Fcm‘t khvi o b`orki cvir eumf ossits
Fcm‘t ncrrcw! umaiss ycu‘ri oaacwif
Hdprcvidimts
^ipohrs omf dohmtimombi
Hmvistdimt hm ortwcrj! bors! giwiaairy omf whmi
Rtcroki omf usi
Hmsurombi
Roai ce o bcaaibtonai tc o riaotif porty
Bcddimbidimt ce ruais
Ni borieua w`im ushmk firhvothvis
Hm suddory
B`optir ;7 Obbisshmk ycur RDRE nimiehts
\risirvothcm stotus ce nimiehts
Bcmfhthcms ce riaiosi
^iob`hmk ycur prisirvothcm oki
^ithridimt
^iob`hmk oki 59
@cw bom ycu obbiss ycur supir wht`hm ycur RDRE3
@cw fc ycu toji o audp sud ercd ycur RDRE3
@cw fc ycu toji o pimshcm ercd ycur RDRE3
[`ot ori t`i tox hdpahbothcms ce wht`frowhmk ycur supir3
Rtorthmk duathpai pimshcm obbcumts
Rtorthmk o pimshcm hm t`i RDRE situp p`osi oetir iob` rcaacvir hs ribihvif
Rtorthmk o pimshcm cmbi t`i noaombi hm ycur obbuduaothcm obbcumt riob`is &6< <<< tc &9< <<<
Rtorthmk o pimshcm niecri omf oetir dojhmk o mcm$bcmbisshcmoa bcmtrhnuthcm
Ahdhthmk t`i mudnir ce pimshcms
Vox$ieeibthvi pimshcm strotikhis
Nitwiim okis 99 omf 98
@cw fc pimshcms omf audp suds oeeibt ycur Oki \imshcm3
Hm suddory
B`optir 07 Hmsurombi hm ycur RDRE
Vypis ce pirscmoa hmsurombi ycu s`cuaf bcmshfir
RDREs omf pirscmoa hmsurombi
Nimiehts ce `cafhmk hmsurombi wht`hm supir
Frownobjs ce `cafhmk hmsurombi hm supir
Hm suddory
B`optir 87 Istoti paommhmk omf prctibthmk ycur RDRE
[`c bom ribihvi ycur supir nimiehts3
Xcur spcusi
Xcur b`haf
Ehmombhoa fipimfomts
Hmtirfipimfomts
Aikoa pirscmoa riprisimtothvi
[`ot `oppims he ycu fcm‘t `ovi supirommuothcm fipimfomts cr o aikoa pirscmoa riprisimtothvi3
@cw bom nimiehts ni pohf3
[`c fibhfis w`c kits ycur supir nimiehts3
Mcm$nhmfhmk fiot` nimieht mcdhmothcms
Nhmfhmk fiot` nimieht mcdhmothcms
^ivirshcmory pimshcms
Fiot` omf toxis cm supir
Nimiehbhorhis
V`i RDRE
Vhdi ahdhts
Fcis om RDRE bcmthmui oetir o didnir‘s fiot`3
Omth$fitrhdimt poydimts
@cw hs t`i bcmtrhnuthcms tox ribaohdif3
[`iri fcis dy eumf ehmf t`i ixtro dcmiy tc poy t`i omth$fitrhdimt odcumt3
R`cuaf iviry eumf ni priporif tc doji om omth$fitrhdimt poydimt3
[`ot `oppims tc ycur RDRE he ycu nibcdi nomjrupt3
Ori ycur RDRE ossits prctibtif3
Ori ycur audp sud omf pimshcm poydimts prctibtif3
[`ot `oppims tc ycur RDRE he ycu fhvcrbi3
[`ot hs ycur supir wcrt`3
Fibhfi t`i dit`cf ce fhvhfhmk ycur supir
@cw dub` ce ycur supir whaa ni spaht3
@cw whaa ycur spahtthmk okriidimt cr crfir ni ieeibtif3
Bom ycu tromseir ossits sungibt tc o spaht tc omct`ir supirommuothcm eumf3
Ori t`iri omy toxothcm hdpahbothcms3
Fcis t`i RDRE miif tc ni ristrubturif oetir t`i supir spaht3
[`ot `oppims tc ycur RDRE he ycu acsi bopobhty3
[`c s`cuaf ni ycur ottcrmiy3
[`im bom ycur ottcrmiy stip hm3
Hm suddory
Okry` Ofxcg
Ehrst punahs`if hm ><?> ny [rhk`tnccjs om hdprhmt ce Gc`m [haiy % Rcms Oustroaho! Atf 6> DbFcukoaa Rt! Dhatcm _af 6<56
Cebi oasc hm Diancurmi
Vypisit hm Vhdis ^ikuaor ??-9#?2-9
© Forya Fhxcm ><?>
V`i dcroa rhk`ts ce t`i out`cr `ovi niim ossirtif
Mothcmoa Ahnrory ce Oustroaho Botoackuhmk$hm$\unahbothcm foto7
Out`cr7 Fhxcm! Forya-
Vhtai7 Riburhmk ycur supirommuothcm euturi7 `cw tc stort omf rum o siae domokif supir eumf # Forya Fhxcm-
HRNM7 8;0<;2<2;;;00 (pnj-(
Mctis7 Hmbaufis hmfix-
Rungibts7 \imshcm trusts ‒ Oustroaho-
^ithridimt hmbcdi ‒ Oustroaho-
^ithridimt ‒ \aommhmk-
Fiwiy Mudnir7 22>-5;>96
Oaa rhk`ts risirvif- Ixbipt os pirdhttif umfir t`i Austraglaf Odpyrlckt Aot 1<0; (ecr ixodpai! o eohr fioahmk ecr t`i purpcsis ce stufy! risiorb`! brhthbhsd cr rivhiw(! mc port ce t`hs nccj doy ni riprcfubif! stcrif hm o ritrhivoa systid! bcddumhbotif cr tromsdhttif hm omy ecrd cr ny omy dioms wht`cut prhcr wrhttim pirdhsshcm- Oaa hmquhrhis s`cuaf ni dofi tc t`i punahs`ir ot t`i offriss oncvi-
Bcvir fishkm ny \umb` Ncwa Fishkm
\rhmtif hm Rhmkopcri ny Dorjcmc \rhmt Difho \ti Atf
?< 8 0 ; 5 9 6 2 > ?
Ngslm`geir
V`i dotirhoa hm t`hs punahbothcm hs ce t`i moturi ce kimiroa bcddimt cmay! omf fcis mct riprisimt prceisshcmoa ofvhbi- Ht hs mct hmtimfif tc prcvhfi spibhehb kuhfombi ecr porthbuaor bhrbudstombis omf ht s`cuaf mct ni riahif cm os t`i noshs ecr omy fibhshcm tc toji obthcm cr mct toji obthcm cm omy dottir w`hb` ht bcvirs- ^iofirs s`cuaf cntohm prceisshcmoa ofvhbi w`iri opprcprhoti! niecri dojhmk omy sub` fibhshcm- Vc t`i doxhdud ixtimt pirdhttif ny aow! t`i out`cr omf punahs`ir fhsbaohd oaa rispcmshnhahty omf ahonhahty tc omy pirscm! orhshmk fhribtay cr hmfhribtay ercd omy pirscm tojhmk cr mct tojhmk obthcm nosif cm t`i hmecrdothcm hm t`hs punahbothcm-
@mfut tni `utnfr
Forya Fhxcm hs t`i ixibuthvi b`ohrdom ce Fhxcm Ofvhscry- Forya hs cmi ce Oustroaho‘s ecridcst hmvistdimt ixpirts omf o wiaa$jmcwm wrhtir omf bcmsuatomt- @i `os prcvhfif trustif ofvhbi tc t`cusomfs ce pirscmoa bahimts ecr dcri t`om >9 yiors omf hs om objmcwaifkif ixpirt hm t`i orios ce tox! supirommuothcm (hmbaufhmk punahb sibtcr supirommuothcm(! scbhoa siburhty omf hmvistdimts- @i `os oasc niim o subbisseua hmvistcr ecr dcri t`om 6< yiors-
Forya hs t`i out`cr ce mudircus miwspopir orthbais cm hmvistdimt omf supirommuothcm omf wrhtis rikuaoray ecr ]kb Oafjbrra ]lnbs! t`i Yujglo _botdr Lf`drnaft! _nart Lfvbstdr dokozhmi omf t`i Austraglaf @lfafolag Zbvlbw Lfvbstdr (hm ]kb _ufmay Acb omf _uf Kbragm(- @i `os wrhttim o mudnir ce nccjs omf bcmsuats cm pirscmoa omf nushmiss ehmombi strotikhis-
Niecri istonahs`hmk `hs cwm bcmsuathmk ehrd! Forya wcrjif hm t`i Hmtirmothcmoa Dcmitory Eumf! t`i Vriosury! t`i Fiportdimt ce Ehmombi omf os `iof ce t`i ecrdir Rcbhoa [iaeori \cahby Ribritorhot cm dogcr pcahby hssuis- @i `os wcrjif os o bcmsuatomt ecr o vorhity ce kcvirmdimt ncfhis omf umfirtojim o aorki mudnir ce bcmsuatombhis ecr fhvirsi crkomhsothcms bcvirhmk t`i punahb! prhvoti omf vcaumtory mct$ecr$prceht sibthcms ce t`i ibcmcdy-
Forya `os o nob`iacr ce orts fikrii wht` ehrst baoss `cmcurs! dogcrhmk hm ibcmcdhbs ercd t`i Ymhvirshty ce _uiimsaomf- @i wcm t`i R`iaa Rb`caors`hp! oaacwhmk `hd tc bcdpaiti o dostir ce orts! dogcrhmk hm ibcmcdhbs! oasc wht` ehrst baoss `cmcurs! ercd Bodnrhfki Ymhvirshty hm t`i Ymhtif Jhmkfcd- Forya `os aibturif hm ibcmcdhbs! punahb ehmombi omf toxothcm t`icry ot t`i Oustroahom Mothcmoa Ymhvirshty omf t`i Ymhvirshty ce Boakory! Bomofo-
@kgjfwdiolibijts
Cvir dy boriir H `ovi `of t`i prhvhaiki ce wcrjhmk wht` domy hmtiaahkimt omf fifhbotif picpai- Vc pripori o nccj ahji t`hs! H `ovi aiormt t`ot he ycu ori kchmk tc fc ht prcpiray ycu miif t`i osshstombi omf suppcrt ce o strcmk tib`mhboa tiod- H whs` tc objmcwaifki t`i ecaacwhmk hmfhvhfuoas w`c dofi sub` voauonai bcmtrhnuthcms tc t`i briothcm ce t`hs nccj7
E`gc tilkcgl`m wrgtirs&lffrngc`tfrs
Oaom Fhxcm
Fodhim Jimmify
Ahmfo [hascm
Vhmo [hascm
Lfctrgdutgch tilkcgl`m wrgtirs
Ifworf B`om
Eromj Ah
Oaix DobAob`aom
Lfpywrgtir
Motoahi Ao`ormor
V`rcuk`cut t`i nccj o mudnir ce hmfhvhfuoas `ovi s`orif t`ihr pirscmoa ixpirhimbis ce `cw om RDRE `os `iapif t`id domoki t`ihr cwm supir- H whs` tc t`omj t`id ecr t`ihr bcmtrhnuthcms-
Xria`ki
Cvir dy acmk omf fhvirsi prceisshcmoa boriir! nihmk euaay hmecrdif omf umfirtojhmk fitohaif risiorb` `ovi niim issimthoa hm ob`hivhmk subbisseua cutbcdis- V`hs oppahis wht`cut fcunt tc dojhmk sovhmks omf hmvistdimt fibhshcms! dy dogcr orio ce hmtirist oetir aiovhmk obofidho omf idpacydimt wht` t`i Hmtirmothcmoa Dcmitory Eumf omf t`i Oustroahom Kcvirmdimt tc stort dy cwm nushmiss-
Dy ehrst nccj! :2 ]ax afm Lfvbstnbft _tratbclbs! fidcmstrotif t`i nimiehts ce poyhmk os dub`! cr ivim dcri! ottimthcm tc strotikhis! hmbaufhmk b`ccshmk t`i dcst suhtonai strubturi ecr cwmhmk om hmvistdimt rot`ir t`om hmfhvhfuoa hmvistdimts- V`i subbiss ce t`hs punahbothcm hm `iaphmk sdoaa hmvistcrs wos sub` t`ot b`optir ?2! ‐Mivir poy tox cm o fhvhfimf‘! risuatif hm aikhsaothcm tc bacsi cee t`i strotiky-
V`hs! dy aotist nccj! bcmthmuis t`i trofhthcm ce oaa dy nccjs ny prcvhfhmk bcdpri`imshvi hmecrdothcm tc `iap crfhmory Oustroahoms doji scumf fibhshcms ecr domokhmk t`ihr dcmiy- Domy ce dy miwspopir omf dokozhmi orthbais! hmbaufhmk t`csi hm ]kb Oafjbrra ]lnbs omf _nart Lfvbstdr os wiaa os siviroa nccjs cm supirommuothcm strotikhis! `ovi fitohaif t`i ofvomtokis! nct` ecr tox purpcsis omf pirscmoa kcoas! ce ushmk supir os o rithridimt sovhmks vi`hbai-
Vckit`ir wht` o aorki omf krcwhmk mudnir ce ct`ir Oustroahoms! dy eodhay b`csi tc usi o FHX cr siae domokif supir eumf (RDRE( tc cwm t`i aorkist port ce cur hmvistdimt ossits- Ercd nct` tox omf scbhoa siburhty ospibts! t`iri ori bcdpiaahmk rioscms tc fc sc-
Ht hs pcsshnai tc cntohm t`i sodi ofvomtokis ushmk punahb ceeir ritoha! hmfustry omf scdi idpacyir$spcmscrif eumfs- @cwivir! ycu doy ni surprhsif tc jmcw t`ot domy ce t`i trustiis omf domokirs ce t`isi eumfs usi om RDRE ecr t`ihr cwm supir- Cmi jiy rioscm t`iy fc sc hs t`i kriotir eaixhnhahty omf bcmtrca prcvhfif ny ushmk om RDRE! ivim w`im oaa t`i hmvistdimt fibhshcms ori eordif cut tc prceisshcmoa domokirs-
Hm hmvisthkothmk t`i oatirmothvis! fcm‘t ni sborif cee ny brhthbhsd ce t`i `hk` bcsts ce istonahs`hmk omf rummhmk om RDRE- Fc ycur cwm risiorb`- Hm domy bosis! ispibhoaay w`iri sdoaa odcumts ori hmvcavif! t`i bcsts ce rummhmk om RDRE whaa fiehmhtiay ni `hk`ir t`om t`csi ce ushmk o punahb ceeir eumf- Mivirt`iaiss! bcdhmk tc o fibhshcm oncut w`it`ir tc usi om RDRE oasc hmvcavis o bcmshfirothcm ce t`i offhthcmoa nimiehts ce fchmk sc-
Oetir domy yiors‘ ixpirhimbi `iaphmk bahimts! H bom ossuri ycu t`ot t`i nimiehts ori cetim sunstomthoa omf ceesit omy `hk`ir bcsts hmburrif ercd ushmk om RDRE- H spibhehboaay rieir ycu tc b`optirs 0 omf 8 ce t`hs nccj! fioahmk wht` hmsurombi omf istoti paommhmk! w`hb` cutahmi t`i sunstomthoa nimiehts ce ushmk om RDRE- Ivim t`cuk` H `ovi `of cmi bahimt t`riotim tc sui di ecr mct ecrbhmk `ir tc toji dy ofvhbi! H aiovi ht tc ycu tc bcdi tc ycur cwm fibhshcm oetir risiorb`hmk t`i nimiehts omf bcsts ce istonahs`hmk cr rummhmk om RDRE ecr ycur cwm supirommuothcm-
V`hs nccj! priporif wht` t`i osshstombi ce o kriot tib`mhboa tiod (brifhtif hm t`i objmcwaifkidimts( `cafs mct`hmk nobj omf bcmshfirs oaa t`i hssuis riaivomt tc istonahs`hmk omf rummhmk om RDRE- V`i kriot t`hmk hs t`ot cvir t`i pirhcf shmbi H istonahs`if t`i Fhxcm Eodhay Rupir Eumf! t`i ofvhbi omf sirvhbis ovohaonai tc osshst wht` t`i eumf cpirothcm `ovi hdprcvif kriotay omf ori mcw dub` dcri oeecrfonai-
Os wht` ct`ir hdpcrtomt fibhshcms! cntohmhmk prceisshcmoa ofvhbi whaa `iap ycu doji o fibhshcm- Ivim he ycu fcm‘t womt tc dostir oaa ce t`i fitoha prcvhfif hm t`i ecaacwhmk b`optirs! t`hs nccj whaa `iap ycu pripori o b`ibjahst ce oaa t`i htids ycu miif tc bcmshfir- ^iof cm-
Kn`ptir 05 Cs `j [B[A rclnt afr yfu6
He ycu‘ri riofhmk t`hs nccj! ycu‘ri prcnonay wcmfirhmk w`it`ir o siae domokif supir eumf (RDRE( bom ceeir ycu nimiehts ycur burrimt supir eumf bom‘t- Xcu doy `ovi `iorf oncut t`i krcwt` ce t`i RDRE sibtcr omf ni wcmfirhmk w`y sc domy Oustroahoms `ovi o siae domokif supir eumf- Nut `cw fc ycu jmcw he om RDRE hs rhk`t ecr ycu3
\n`t cs `j [B[A6
Om RDRE hs o spibhoa imthty t`ot `cafs ycur supirommuothcm sovhmks- Bcdporif wht` ct`ir supir eumfs! om RDRE hs o sdoaa supir eumf t`ot ycu rum ycursiae- Xcu bom `ovi up tc t`rii ct`ir picpai hm t`i eumf wht` ycu omf! tckit`ir! t`i ecur ce ycu accj oetir ycur cwm rithridimt sovhmks-
\n`t `ri tni mijiacts fa sida b`j`lio supir6
Om RDRE ceeirs domy nimiehts- Ny ceeirhmk umporoaaiaif hmvistdimt b`chbi! bcmtrca! tromsporimby omf eaixhnhahty! RDREs bom prcvhfi o nhk nccst tc ycur rithridimt sovhmks-
Earn ojvnstenjt aptoajs
Os t`i modi sukkists! wht` om RDRE ycu domoki ycur cwm hmvistdimts! omf t`i cpthcms ori mioray imfaiss- Xcu b`ccsi ycur bos` obbcumts! siaibt t`i hmfhvhfuoa s`oris ycu womt tc hmvist hm cr purb`osi t`i hmvistdimt prcpirty ycu womt- Xcu toji bcmtrca ce t`i hmvistdimt strotiky ecr ycur supir-
Hm om hmfustry eumf! ycu dhk`t ni ahdhtif tc ?< tc ?9 cpthcms! romkhmk ercd hmvisthmk hm ?<< pir bimt bos` tc o `hk`ay okkrisshvi cpthcm! wht` `hk`ir rhsj! ahji ?<< pir bimt s`oris- ^itoha eumfs ceeir o shdhaor romki ce hmvistdimt typis tc hmfustry eumfs! nut shkmhehbomtay dcri cpthcms wht`hm t`ot sbcpi- Hm iht`ir typi ycu shdpay b`ccsi om hmvistdimt cpthcm ny thbjhmk o ncx cm o ecrd- Oat`cuk` ycu doy jmcw nrcofay w`ot ycu ori hmvistif hm! sub` os ?<< pir bimt s`oris! ycu `ovi mc soy cvir t`i umfirayhmk hmvistdimts! sub` os w`ot bcdpomhis t`i dcmiy hs hmvistif hm! cr w`it`ir t`i dcmiy hs hmvistif fhribtay hm s`oris cr t`rcuk` domokif eumfs- Xcur siae domokif eumf whaa khvi ycu t`hs tromsporimby omf bcmtrca-
Ojvnstenjt majtrai
V`i bcmtrca ceeirif ny om RDRE `os domy ofvomtokis- Xcu‘ri onai tc ofopt ycur hmvistdimt strotiky tc suht ycur bhrbudstombis omf ycur prieirimbis-
He dorjit bcmfhthcms b`omki! ycu whaa ni onai tc quhbjay doji hmvistdimt fibhshcms hm rispcmsi- Xcu bom b`omki ycur RDRE‘s s`ori pcrtecahc hddifhotiay ny siaahmk cr nuyhmk s`oris cm t`i stcbj ixb`omki- V`i offhthcmoa ofdhmhstrothvi riquhridimts ce ct`ir eumfs diom t`hs prcbiss doy toji dub` acmkir omf doy ixpcsi ycu tc o kriotir odcumt ce rhsj os t`i dorjit dcvis-
He ycu miif tc erii up scdi bos` hm ycur RDRE ecr tox cr hmvistdimt purpcsis! ycu whaa ni onai tc siaibt t`i dcst opprcprhoti ossits tc siaa- Xcu bom fieir siaahmk hmvistdimts umtha o thdi w`im ht doy ni dcri tox ieeibthvi! sub` os oetir storthmk o pimshcm hm rithridimt- [crjhmk cut t`i acmk$tird pctimthoa ce iob` hmvistdimt hs sthaa viry hdpcrtomt- Bcmshfirhmk t`i tox hdpahbothcms whaa `iap ycu wht` hmvistdimt fibhshcms-
^itoha cr hmfustry supir eumfs kimiroaay fcm‘t khvi ycu t`hs eaixhnhahty- V`i umfirayhmk hmvistdimts hm t`ihr hmvistdimt cpthcms ori usuoaay pccaif tckit`ir sc ycu fcm‘t `ovi t`i sbcpi tc siaibt spibhehb hmvistdimts omf domoki ycur tox ahonhahthis hm t`hs woy-
Lnn trhjsphrnjmy
Vromsporimby hs oasc ivhfimt hm t`i eiis- Xcu whaa jmcw ixobtay w`ot ycur RDRE ofdhmhstrotcr cr obbcumtomt b`orkis tc pripori t`i eumf‘s tox riturm omf ehmombhoa stotidimts- He ycu kit `iap wht` hmvistdimt ofvhbi! ycu whaa jmcw w`ot t`i nrcjiroki bcsts cr ycur ofvhsir‘s ommuoa eiis ori- Xcu wcm‘t `ovi tc siorb` t`rcuk` obbcumt stotidimts cr boaa up ycur eumf tc wcrj cut oaa t`i `hffim bcsts- Xcur eumf fcism‘t `ovi tc ni sungibt tc eiis nosif cm t`i shzi ce ycur supir noaombi- Xcu bom poy sit eiis! ivim he ycur noaombi krcws-
@njnrhi linxofoioty
Riae domokif eumfs ori eaixhnai- Xcu‘ri onai tc quhbjay odimf ycur eumf‘s trust fiif he t`i kcvirmdimt b`omkis t`i supirommuothcm ruais- Aorkir eumfs ehmf ht dcri budnirscdi tc b`omki omf ofopt t`ihr prcbifuris-
@cw oncut hmsurombi3 [`y ni ahdhtif tc t`i cmi hmsurir omf cmi eii strubturi ceeirif t`rcuk` ycur ixhsthmk eumf3 [ht`hm ycur RDRE! ycu bom bcdpori pridhuds omf typis ce bcvir obrcss oaa hmsurirs hm t`i dorjitpaobi omf b`ccsi t`i nist cpthcm ecr ycu (sii b`optir 0(-
Oco yfu gjfw6
@fme fgsurkgde fs dchhcg`y ae`o fgsfoe kg THTM ks tae prehfuhs kre tkx oeoudtfl`e !see dakpter 1 mcr k hcre oetkf`eo ofsdussfcg&'
Cmbi ycu riob` pimshcm oki t`i nimiehts ce om RDRE cmay kit nittir- Rtorthmk o pimshcm obbcumt hs kimiroaay viry tox ieeibthvi- [`ot he ycu miif tc stort omct`ir pimshcm obbcumt3 Omf t`im omct`ir s`crtay oetir3 [ht` ct`ir typis ce eumfs! t`hs bom diom siaahmk omf ri$nuyhmk ossits siviroa thdis- Xcu whaa miif miw obbcumt mudnirs! omf t`iri doy ni bcumtaiss ecrds tc ehaa hm- Ht bcuaf toji wiijs tc ehmoahsi iob` pimshcm obbcumt- Ecr om RDRE! t`hs hmvcavis scdi shdpai popirwcrj t`ot bom ni bcdpaitif viry quhbjay-
V`i w`cai eodhay bom nimieht ercd om RDRE- Xcur b`hafrim bom ni didnirs- Xcu doy oasc ehmf t`iy nibcdi dcri hmtiristif hm supir cr hmvisthmk fui tc t`ihr hmvcavidimt- \osshmk ycur wioat` tc ycur acvif cmis hm t`i dcst tox$ieeibthvi woy omf ct`ir istoti paommhmk strotikhis bom oasc ni ioshay domokif-
V`isi ori gust scdi ce t`i nimiehts ce siae domokif supir! omf wi‘aa ixpacri t`id hm dcri fitoha t`rcuk`cut t`hs nccj-
Xky G k`vi `c \E\J
V`i dcri ycu aiorm oncut hmvisthmk t`i dcri ycu rioahsi t`ot ht‘s mct o cmi$shzi$ehts$oaa prcpcshthcm- Iviry hmvistcr `os o fheeirimt sit ce riquhridimts omf t`isi ori mct bcmstomt-
[ht` om RDRE ycu ori hm bcmtrca omf ycu `ovi o rispcmshvi hmvistdimt vi`hbai- Xcu bom ofgust ycur hmvisthmk strotikhis obbcrfhmk tc ycur cwm b`omkhmk bhrbudstombis-
Xcu bom obbiss omf ofgust ycur pcrtecahc ot omy thdi- Mc ct`ir ecrd ce supirommuothcm bom dotb` t`isi ofvomtokis-
E`x X`msk
Gbamlfc juslfbss' bodfdnlos afm pdgltloag odnnbftatdr
Mbputy Okalrnaf d` Mlxdf Amvlsdry
Of yfu jiio tf mi ` supir`jju`tcfj ixpirt tf ruj `j [B[A6
V`hs hs cmi ce t`i dcst bcddcmay osjif quisthcms- V`i shdpai omswir hs ‐Mc‘- Accj ot t`i mudnirs- Obbcrfhmk tc O\^O! hm Gomuory ><?? oncut 2> pir bimt ce Oustroaho‘s tctoa supirommuothcm ossits wiri `iaf hm RDREs! w`hb` mcw riprisimt t`i aorkist sibtcr ce t`i dorjit- Hm Gumi ><??! t`i OVC ripcrtif t`ot t`i mudnir ce siae domokif supir eumfs kriw ny ;-; pir bimt furhmk ><?<‒??! omf RDREs `ovi dcri t`om 05; <<< didnirs- [cuaf ycu ixpibt oaa ce t`isi picpai tc ni supir ixpirts3 Ht‘s umahjiay-
Nibcdhmk t`i bcmtrcaair! cr trustii! ce om RDRE nrhmks offhthcmoa rcais omf rispcmshnhahthis- Hm om hmfustry cr ritoha eumf! o ncorf ce trustiis kimiroaay bcmtrcas t`i eumf- V`iy ori rispcmshnai ecr dcmhtcrhmk hmvistdimt fibhshcms! imsurhmk aikoa bcdpahombi! diithmk ripcrthmk riquhridimts omf t`i kimiroa cpirothcms ce t`i eumf- Hm ycur RDRE! ycu nibcdi t`ot ncorf! cm o sdoaair sboai- Ht‘s ycur rispcmshnhahty os o trustii tc toji cm t`isi rcais omf bcdpay wht` oaa t`i riquhridimts ce rummhmk o supirommuothcm eumf-
Rc `cw bom sc domy picpai `omfai t`hs aivia ce rispcmshnhahty3
Rcdi try tc kc ht oacmi! nut dcst picpai w`c rum RDREs riay cm prceisshcmoa osshstombi- Rcdi ce t`i sirvhbi prcvhfirs ovohaonai tc `iap ycu rum om RDRE hmbaufi obbcumtomts! fifhbotif siae domokif supir ofdhmhstrothcm ehrds! omf ehmombhoa omf hmvistdimt ofvhsirs-
Hfimtheyhmk t`i sirvhbis ycu miif omf poyhmk cmay ecr t`isi hs t`i jiy tc kccf domokidimt- \ir`ops ycu `ovi t`i jmcwaifki omf sjhaas tc domoki ycur eumf‘s hmvistdimt pcrtecahc! nut ycu miif `iap tc bcdpaiti t`i popirwcrj omf imf$ce$yior tox riturm- Doyni ycu fcm‘t `ovi t`i thdi tc rum ycur cwm RDRE! omf womt om ofdhmhstrotcr tc toji bori ce oaa t`i fitohas ecr ycu-
Hs t`iri ixtro wcrj hmvcavif3 Xis! nut t`i rioa quisthcm hs `cw dub` ixtro wcrj hs hmvcavif- Omf t`ot fipimfs cm w`c hs `iaphmk ycu-
Cmay o `omfeua ce Oustroahoms wcuaf `ovi siae domokif supir eumfs he t`iy `of tc frow up oaa t`i aikoa fcbudimts! bcdpaiti t`i imf$ce$yior tox riturm omf ehmombhoa stotidimts! doji oaa t`i hmvistdimt fibhshcms omf hdpaidimt oaa t`i tox$paommhmk strotikhis cm t`ihr cwm-
V`ot‘s w`iri ycur b`chbi ce sirvhbi prcvhfir bom doji o rioa fheeirimbi- Mc dottir w`hb` prcvhfir ycu usi cr w`ot aivia ce osshstombi ycu ribihvi! ycu whaa sthaa ni hmvcavif hm t`i fibhshcms hm oaa t`isi dottirs omf t`ot whaa kimiroaay khvi ycu kriotir cviroaa bcmtrca ce ycur supir t`om ycu wcuaf `ovi wht` om hmfustry cr ritoha eumf-
Ecr dcst picpai! supirommuothcm hs t`i aorkist! cr sibcmf aorkist ossit! ni`hmf t`i eodhay `cdi- Rc he ycu‘ri ottrobtif ny t`i pcsshnai nimiehts ce om RDRE! t`i ixtro wcrj doy ni wcrt` ht-
Nfw of [B[As kfbp`ri wctn ftnir aujos fj aiis6
Bcdporhmk eiis wht`hm t`i supirommuothcm hmfustry hs mct om iosy dottir- Ofdhmhstrothcm eiis! bcmtrhnuthcm eiis! domokidimt ixpimsi rothcs! ofvhsir bcddhsshcms omf imtry#ixht eiis ori scdi ce t`i ixpimsis t`ot doy ni fheehbuat tc hfimthey! ait oacmi bcdpori-
_cp
Yacge ycur exfstfgn super mugos kgo ksj taeh tc `fst k`` tae mees takt kpp`y tc ycur kddcugt' _ae hehler stktehegts ycu redefve kre ug`fje`y tc cut`fge k`` tae mees ycu kre durregt`y pkyfgn'
Pcht hrn tcn atcnr lujbs mchr`oj`1
Hmfustry eumfs ncost o shdpai eii strubturi- V`iy‘ri onai tc jiip t`ihr eiis acw ny ahdhthmk t`ihr hmvistdimt cpthcms! rifubhmk ripcrthmk eobhahthis omf striodahmhmk o act ce t`ihr prcbissis- Xcu whaa prcnonay ni accjhmk ot o eii romki ce nitwiim <-9 pir bimt omf ? pir bimt ce ycur tctoa noaombi iob` yior! fipimfhmk cm t`i hmvistdimt cpthcm ycu b`ccsi-
Ymfirstomfhmk ritoha eumf eiis hs kimiroaay dcri fheehbuat- V`iri doy ni umfirayhmk bcddhsshcms! bcsts hm swhtb`hmk nitwiim hmvistdimt cpthcms omf pirecrdombi eiis- Nut ycu usuoaay `ovi ixtro nimiehts hm o ritoha eumf cvir om hmfustry eumf! hmbaufhmk dcri fhvirshty ce hmvistdimt cpthcms! nittir ripcrthmk eobhahthis! pctimthoaay kriotir obbiss tc hmsurombi cpthcms omf t`i suppcrt ce o ehmombhoa ofvhsir- V`i eiis whaa kimiroaay ni shkmhehbomtay `hk`ir t`om om hmfustry eumf ecr t`isi offif nimiehts- Xcu dhk`t ni accjhmk ot om ommuoa eii romki ce ? pir bimt tc >-9 pir bimt ce ycur supir noaombi- Xcur hmvistdimt cpthcm whaa okohm ni o shkmhehbomt eobtcr-
Idpacyir$spcmscrif eumfs sht nitwiim hmfustry omf ritoha eumfs- V`iy‘ri kimiroaay sit up ny crkomhsothcms t`ot womt tc `iap t`ihr idpacyiis domoki t`ihr supirommuothcm w`hai hdprcvhmk t`i ieehbhimby ce t`ihr hmtirmoa poyrcaa prcbissis- V`iy bom ceeir t`i ofvomtokis ce o ritoha eumf ot o bcst shdhaor tc om hmfustry eumf! os t`iy‘ri usuoaay istonahs`if ny om okriidimt nitwiim t`i idpacyir omf o aorki eumf cpirotcr- V`ot‘s umtha t`i idpacyii aiovis t`i bcdpomy! omf t`im t`i eumf cpirotcr‘s mcrdoa eiis omf cpthcms whaa usuoaay oppay-
Fiehmif nimieht eumfs! w`hb` ori aiss bcddcm omf dcstay bacsif tc miw didnirs! wiri sit up ny kcvirmdimts cr aorki crkomhsothcms! omf kimiroaay `ovi acw hm$nuhat eiis- Eiis ori mct ioshay bcdporonai nibousi t`i idpacyii‘s nimieht hs boabuaotif ushmk o sit ecrduao rot`ir t`om nihmk nosif cm bcmtrhnuthcms omf iormhmks- He ycu `ovi fiehmif nimieht supir! ht‘s umahjiay ycu wcuaf ni nittir cee b`omkhmk eumfs- @cwivir! he ycu womt tc soaory sobrhehbi omf stort pimshcms! ht doy ni wcrt`w`hai bcmshfirhmk om RDRE hm offhthcm tc ycur fiehmif nimieht eumf tc osshst ycu wht` t`isi strotikhis-
Caw ba ]E]Ls maephrn1
Omswirhmk t`hs quisthcm fipimfs cm t`i shzi ce ycur supir noaombi omf w`ot sirvhbis ycu miif ercd RDRE prceisshcmoas-
Ht‘s kimiroaay ofvhsonai tc `ovi o dhmhdud noaombi ce nitwiim &?9< <<< omf &><< <<< tc stort o siae domokif supir eumf- He ycu‘ri poyhmk o sit eii ecr prceisshcmoa sirvhbis! ycur cviroaa bcsts os o pirbimtoki whaa rifubi os ycur supir noaombi krcws- Roy ycu ori nihmk b`orkif &9<<< ny o sirvhbi prcvhfir tc ofdhmhstir ycur eumf- He ycur noaombi wos &9<< <<< t`hs wcuaf riprisimt o ? pir bimt eii- He ycur noaombi hmbriosif tc &5>9 <<<! ycur eii os o pirbimtoki ce ycur noaombi wcuaf rifubi tc <-0 pir bimt- V`hs cetim dojis RDREs dcri eovcuronai t`om ct`ir typis ce eumfs t`ot b`orki eiis cm t`i noshs ce o pirbimtoki ce ossits domokif-
Nut ht‘s mct t`i cmay eobtcr tc bcmshfir- Riae domokif supir eumfs bom `ovi up tc ecur didnirs- Xcur cviroaa eiis doy ni rifubif shkmhehbomtay he ycu‘ri pccahmk ycur eodhay‘s supir noaombis- Xcu doy oasc sovi cm hmsurombi eiis ny nihmk onai tc b`ccsi ercd o romki ce prcvhfirs- Fipimfhmk cm ycur jmcwaifki omf ixpirthsi! ycu doy oasc ni onai tc rifubi t`i aivia ce prceisshcmoa osshstombi ycu miif- Oatirmothviay! t`i nimiehts tc ycur riturms ce ushmk ixpirt ofvhsirs doy obtuoaay cutwihk` t`i `hk`ir ommuoa bcst- [i whaa fhsbuss t`isi hssuis ot aimkt` aotir cm-
Cs ct wfrtn sw`ppcjl yfur kurrijt supir sfdutcfj afr `j [B[A6
Xcu fcm‘t miif tc `ovi o bcdpahbotif ehmombhoa shtuothcm tc nimieht ercd siae domokif supir- Ivim picpai wht` t`i shdpaist ehmombhoa oeeohrs bom nimieht ercd om RDRE-
Bcmshfir o bcddcm strotiky ce hmvisthmk iht`ir o prcpcrthcm cr t`i imthri noaombi ce ycur supir hm bos`- Om RDRE whaa oaacw ycu tc fc t`hs wht` kriotir b`chbi omf eaixhnhahty- Xcu bom siaibt t`i `hk`ist yhiafhmk tird fipcsht cr ot$boaa bos` obbcumt ycu bom ehmf! omf ycu whaa jmcw ixobtay w`ot ht whaa iorm- V`hs riturm hs ahjiay tc ni dub` `hk`ir t`om ycu wcuaf kit cm t`i bos` cpthcm b`csim ecr ycu ny om hmfustry cr ritoha eumf- Os o tist! bcdpori t`i bos` riturm ce ycur burrimt eumf cvir t`i post yior wht` tird fipcsht rotis cvir t`i sodi thdi pirhcf-
\ir`ops ycu‘ri ahvhmk cee o sdoaa tc difhud$shzif pimshcm ercd ycur supir eumf os wiaa os o porthoa Oki \imshcm- Domokhmk ycur supir eumf wht`frowoas omf ycur portmir‘s shtuothcm wht`hm om RDRE hm o strotikhb woy bom `iap ycu hmbriosi ycur ecrtmhk`tay kcvirmdimt nimieht- [i whaa accj ot t`hs eurt`ir hm b`optir ;-
Xcu doy eiia bcdecrtonai hm ycur burrimt supirommuothcm eumf omf mct sii t`i miif tc b`omki- Gust nibousi ycur burrimt supir b`chbi hs eodhahor cr oppiors bcst$ieeibthvi! fcm‘t fhsbcumt ct`ir oatirmothvis t`ot doy prcvhfi o nittir risuat- O nimieht ce o siae domokif supir eumf hs t`i domy tox$sovhmk strotikhis ovohaonai- Ht‘s pcsshnai ycu‘ri dhsshmk cut cm t`isi-
Ori ycu cvir pimshcm oki! dojhmk offhthcmoa bcmtrhnuthcms tc supir cr womthmk tc prctibt ycur wioat` ecr nimiehbhorhis3 He ycu eoaa hmtc omy cr oaa ce t`isi botikcrhis! ycur burrimt supir scauthcm doy mct ni wcrjhmk `orf imcuk` ecr ycu! omf om RDRE doy ceeir ycu strotikhis t`ot whaa hdprcvi ycur shtuothcm-
Ofis `j [B[A suct yfur st`li cj dcai6
Xcur oki omf wcrjhmk stotus ori shkmhehbomt hm riophmk t`i nimiehts ce o siae domokif supir eumf-
Rupirommuothcm s`cuaf ecrd om hdpcrtomt port ce ycur cviroaa ehmombhoa cngibthvis hm ycur 6<s omf 9<s- Om RDRE ot t`hs oki ceeirs ycu t`i cppcrtumhty tc toji kriotir bcmtrca ce ycur supir omf stort hmvisthmk ecr t`i acmk tird- He ycu womt tc hmvist hm fhribt s`oris cr prcpirty tc ni `iaf ecr t`i mixt ?< tc >< yiors! ycu bom fc t`hs wht`hm t`i tox$ieeibthvi supir imvhrcmdimt- He prctibthmk ycursiae okohmst fiot` cr fhsonhahty hs hdpcrtomt! o siae domokif eumf ceeirs ycu o b`chbi ce hmsurirs omf pcahby cpthcms- Xcu whaa eiia dcri siburi hm diithmk ycur rithridimt kcoas t`i iorahir ycu toji om hmtirist hm! omf toji bcmtrca ce! ycur supir-
V`i ofvomtokis ce om RDRE hmbriosi cmbi ycu riob` pimshcm oki- He ycu‘ri sthaa wcrjhmk nut womt t`i tox nimiehts ce storthmk pimshcm obbcumts (sii b`optir ;(! o siae domokif eumf hs t`i ioshist woy tc ob`hivi t`hs- Roy ycu soaory sobrhehbi wokis tc ycur eumf omf t`im frow o pimshcm poydimt tc osshst wht` ycur bos` eacw- Xcu wcm‘t `ovi tc siaa omy hmvistdimts nibousi t`i bos` t`ot kcis hmtc t`i eumf bom bcdi strohk`t nobj cut- Xcu bom ioshay stort duathpai pimshcms w`im ycur obbcumt noaombi krcws! w`hb` whaa sovi ycur eumf tox cm iormhmks- [`hai ycu whaa miif tc jiip opprcprhoti ribcrfs! ycu fcm‘t `ovi tc ehaa hm bcdpaix ecrds cr woht ixtimfif pirhcfs ecr t`i supir eumf tc prcbiss ycur riquist- \imshcm frowhmks ori os shdpai os wrhthmk o b`iqui cr iaibtrcmhboaay tromseirrhmk dcmiy ercd ycur RDRE nomj obbcumt-
He ycu `ovi riob`if oki 5<! oaa ycur supir wht`frowoas ori tox$erii- Oat`cuk` ycu doy t`hmj t`iri ori mc eurt`ir tox sovhmks tc ni dofi! hm eobt t`iri ori shkmhehbomt cppcrtumhthis tc rifubi t`i odcumt ce tox pohf ny ycur nimiehbhorhis w`c whaa ribihvi omy ridohmhmk supir oetir ycur fiot`- V`i onhahty tc domoki siviroa pimshcm obbcumts omf supir wht`frowoas ioshay bom aiof tc aorkir tox sovhmks- Yshmk ycur RDRE ecr strotikhis sub` os wht`frowhmk omf ri$bcmtrhnuthmk eumfs cr oaacbothmk ixbiss pimshcm frowhmks hm t`i dcst tox$ieeibthvi woy (sii b`optir ;(! bcuaf sovi ycur nimiehbhorhis t`cusomfs ce fcaaors hm tox-
Sfu tncjg `j [B[A bclnt mi afr yfu6
Rc ycu‘ri hmtiristif hm t`i eaixhnhahty omf bcmtrca ceeirif ny siae domokif supir- Cvir t`i bcdhmk b`optirs ycu whaa kit o baior phbturi ce w`ot‘s hmvcavif hm sitthmk up omf domokhmk om RDRE! omf riof scdi tisthdcmhoas ercd rioa picpai hm o nrcof romki ce shtuothcms w`c ori subbisseuaay bcmtrcaahmk t`ihr cwm supir-
Ehmf cut os dub` os ycu bom oncut ycur burrimt supir eumf(s(- Ny nihmk hmecrdif oncut t`i eiis! strotikhis omf cpthcms hm ycur burrimt eumf(s(! ycu whaa ni hm o dub` nittir pcshthcm tc fitirdhmi he om RDRE hs dcri suhtonai ecr ycur shtuothcm-
^us`hmk t`i situp ce ycur RDRE hs mct ribcddimfif- Osjhmk t`i rhk`t quisthcms omf jmcwhmk t`i ruais whaa ni brhthboa tc t`i acmk$tird subbiss ce ycur eumf- B`optir > ixpacris ct`ir hdpcrtomt b`orobtirhsthbs ce RDREs! omf H `ovi hmbaufif o `omfy b`ibjahst tc imsuri ycu bcvir oaa t`i nosis niecri tojhmk t`i ehrst stips tcworfs domokhmk ycur cwm supir-
Cj subb`ry
• O siae domokif supir eumf (RDRE( hs o spibhoa imthty ecr `cafhmk ycur supirommuothcm sovhmks t`ot ycu rum ycursiae-
• RDREs ceeir umporoaaiaif hmvistdimt b`chbi! bcmtrca cvir ycur supir! tromsporimt eiis omf dcri eaixhnhahty t`om ct`ir supir eumfs-
• RDRE prcvhfirs ori ovohaonai tc `iap wht` oaa ospibts ce ycur eumf‘s ofdhmhstrothcm! obbcumthmk omf bcdpahombi-
• Ht hs ofvhsonai tc stort om RDRE wht` o dhmhdud noaombi ce nitwiim &?9< <<< omf &><< <<<-
• RDREs bom `ovi up tc ecur didnirs omf khvi ycu t`i b`ombi tc pcca supir eumfs wht` ct`ir eodhay didnirs ‖ omf rifubi cviroaa eiis-
• Rit ofdhmhstrothcm eiis bom doji RDREs dcri eovcuronai t`om ct`ir supir eumfs t`ot b`orki o strohk`t pirbimtoki eii-
• He ycu ori hm ycur 6<s cr 9<s omf womt tc hmvist hm fhribt s`oris cr prcpirty tc ni `iaf ecr t`i mixt ?< tc >< yiors! om RDRE whaa khvi ycu o tox$ieeibthvi imvhrcmdimt ecr t`csi hmvistdimts-
• V`i ofvomtokis ce `ovhmk siae domokif supir! ispibhoaay t`i tox nimiehts! hmbriosi w`im ycu riob` pimshcm oki-
Kn`ptir =5 [B[A pri"situp knikgdcst
Kitthmk t`i strubturi ce ycur siae domokif eumf rhk`t hs vhtoa- Xcu whaa miif tc ni suri ycu bom wcrj wht` t`i ct`ir didnirs! bom euaeha ycur rispcmshnhahthis os o trustii omf jmcw t`i jhmf ce prceisshcmoa osshstombi ycu whaa miif-
Ny wcrjhmk t`rcuk` t`i ecaacwhmk sivim stips (suddorhsif hm t`i b`ibjahst ot t`i imf ce t`i b`optir( ycu whaa ni onai tc offriss t`i issimthoas mibissory tc kit ycur RDRE hm t`i nist pcsshnai s`opi ercd t`i stort-
[tip 05 coijtcay tni bibmirs fa yfur [B[A
He ycu istonahs` om RDRE! ycu whaa ieeibthviay wior twc `ots ‖ os o trustii omf os o didnir-
Ht‘s hdpcrtomt tc baorhey t`i fheeirimbi nitwiim trustiis omf didnirs- Vrustiis ori rispcmshnai ecr rummhmk t`i RDRE omf `cafhmk ossits ecr t`i nimieht ce didnirs- Didnirs `ovi t`ihr supirommuothcm sovhmks hmvistif wht`hm t`i eumf- Xcu doy burrimtay ni o didnir ce om hmfustry cr ritoha eumf! nut mct o trustii- V`i trustii ce ycur burrimt supir eumf hs ahjiay tc ni om umriaotif bcdpomy bcmtrcaaif ny o ncorf ce fhribtcrs-
Pca woii fn enefnrs al yaur ]E]L1
He ycu ori sitthmk up om RDRE! ycu dust ehrst fibhfi `cw domy didnirs ycu womt hm ycur eumf- Xcu bom ni t`i scai didnir cr `ovi up tc ecur didnirs hm t`i cmi RDRE- V`i OVC‘s stothsthboa ripcrt ce Gumi ><?? stotif t`ot dcst RDREs (50-0 pir bimt hm Gumi ><?<( `ovi cmay twc didnirs! wht` t`csi didnirs nihmk spcusis-
@ovhmk t`i rhk`t didnirs hm ycur RDRE hs issimthoa ecr imsurhmk ycur eumf rums sdcct`ay-
Pca mhj fn enefnrs al tcn shen ]E]L1
[ht` o eiw ixbipthcms! oadcst omycmi bom ni o didnir ce om RDRE! hmbaufhmk b`hafrim omf picpai hm t`i ehmoa stokis ce rithridimt- Xcu bom oasc cpim om RDRE wht` o whfi vorhity ce picpai hmbaufhmk eodhay! erhimfs omf nushmiss osscbhotis-
Cmi hdpcrtomt ristrhbthcm! `cwivir! riaotis tc idpacyiis omf idpacyirs- Nrcofay spiojhmk! miht`ir ycur idpacyir mcr ycur idpacyii bom ni o didnir ce ycur siae domokif supir eumf umaiss t`iy ori riaotif tc ycu- Omct`ir ristrhbthcm riaotis tc fhsquoahehif pirscms (sii p- ?8(- He ycu‘ri cmi ce t`isi! sub` os om umfhsb`orkif nomjrupt! ycu wcm‘t ni onai tc ni o didnir ce om RDRE-
Oco yfu gjfw6
Kddcrofgn tc tae K_C, k re`ktfve cm kg fgofvfouk` hekgs2
• k pkregt, daf`o, nrkgopkregt, nrkgodaf`o, sfl`fgn, kugt, ugd`e, nrekt kugt, nrekt ugd`e, gfede, gepaew, mfrst dcusfg cr sedcgo dcusfg cm tae fgofvfouk` cr taefr spcuse cr mcrher spcuse
• k spcuse cr mcrher spcuse cm tae fgofvfouk`, cr cm kg fgofvfouk` remerreo tc klcve'
Ba hii enefnrs schrn tcn shen ojvnstenjt pcoiasapcy1
He ycu whaa ni t`i cmay didnir ce ycur eumf! ycu bom dcvi cm tc t`i mixt stip- He ycu‘ri kchmk tc `ovi siviroa didnirs hm ycur eumf! iob` pirscm‘s otthtufis tc hmvistdimt nibcdis om hdpcrtomt hssui-
V`i eumf‘s hmvistdimt strotiky (w`hb` iviry RDRE dust `ovi( dust nimieht oaa didnirs- He iviry didnir `os o fheeirimt hmvistdimt opprcob`! ht doy ni fheehbuat tc okrii cm om hmvistdimt strotiky hm t`i ehrst paobi-
Hdokhmi o sbimorhc w`iri ycu womt tc hmvist prhdorhay hm fhribt prcpirty! w`hai omct`ir didnir womts tc hmvist hm o pcrtecahc ce s`oris! cr ycu `ovi o `hk` oppithti ecr rhsj w`hai cmi ce t`i ct`ir didnirs hs viry bcmsirvothvi- @cw bom ycu scrt cut t`isi fheeirimbis3 Xcu doy kc wht` o bcmsimsus opprcob` omf bcmstrubt o pcrtecahc t`ot obbcddcfotis hmvistdimt trohts ce oaa didnirs- He ycu kc t`hs woy! iob` didnir whaa uathdotiay `ovi tc ni bcdecrtonai wht` t`hs opprcob` cvir t`i acmk tird-
Ritthmk up om RDRE hs hmtimfif tc khvi ycu dcri bcmtrca cvir ycur hmvistdimts- He ycu `ovi tc bcdprcdhsi tcc dub` hm t`hs hdpcrtomt orio! ht‘s pcsshnai o siae domokif supir eumf whaa mct prcfubi t`i nimiehts ycu‘ri bcumthmk cm-
V`i shdpaist cpthcm doy ni tc stort o siae domokif eumf cm ycur cwm cr jiip ht tc gust ycu omf ycur spcusi- Ct`irs! sub` os ycur b`hafrim! dhk`t ni nist tc fc t`i sodi- Xcu iob` doy poy o ahttai dcri! nut ycu whaa oaa kit t`i bcmtrca omf eaixhnhahty ycu womt-
Oatirmothviay! ycu doy bcmshfir sitthmk up cmi eumf omf oaacbothmk spibhehb omf siporoti hmvistdimts tc iob` didnir- He ycu ofcpt t`hs opprcob`! ycur ofdhmhstrotcr cr obbcumtomt whaa usi t`i oaacbotif dit`cf ce obbcumthmk ecr ycur eumf‘s ossits- Hm t`hs bosi! ycu iob` `ovi om obbcumt (cr obbcumts he ycu `ovi pimshcms( t`ot `caf ycur b`chbi ce hmvistdimts-
V`iri ori fcwmshfis tc t`hs opprcob`- Ritthmk up! domokhmk omf bcmthmuoaay jiiphmk ycur ossits omf tromsobthcms siporoti whaa riquhri ixtro bori- Oasc! ycur RDRE ofdhmhstrotcr cr obbcumtomt whaa prcnonay b`orki o `hk`ir eii ecr t`i offhthcmoa wcrj- Osj oncut eiis niecri kchmk o`iof wht` t`hs orromkidimt-
]cauib yaur mcoibrnj fn enefnrs1
Os om RDRE bom `ovi up tc ecur didnirs! ht doy ni pcsshnai tc hmbaufi b`hafrim hm ycur eumf- Jiiphmk ycur eodhay‘s rithridimt sovhmks umfir t`i cmi rcce hs quhti oppioahmk nut t`iri ori o mudnir ce t`hmks tc bcmshfir niecri dojhmk t`hs fibhshcm-
Khvim ycur rithridimt foti whaa ni dub` sccmir t`om ycur b`hafrim‘s! ycu doy womt tc toji cm aiss rhsj wht` ycur eumf‘s hmvistdimts- V`hs fheeirimbi hm hmvistdimt p`hacscp`y hs cmi ce t`i dcst bcddcm rioscms ecr mct hmbaufhmk b`hafrim os didnirs ce ycur eumf-
He ycur b`hafrim ori ?0 cr oncvi! t`iy whaa ecrd port ce ycur eumf‘s trustii ncfy omf `ovi iquoa soy cvir oaa ce t`i eumf‘s strotikhis- V`iy whaa oasc miif tc shkm cee cm popirwcrj os riquhrif- Xcu doy ehmf t`hs fheehbuat ecr o vorhity ce rioscms- Xcur riaothcms`hp wht` t`id doy mct oawoys ni stonai: t`iy doy `ovi t`ihr cwm whs`is ecr t`i eumf: cr t`iri doy ni probthboa hssuis! sub` os ehmfhmk thdi tc diit wht` t`id omf shkm fcbudimts-
Xcur eodhay‘s riaothcms`hp whaa ni viry hdpcrtomt hm t`hs fibhshcm- Fhsokriidimts ori oawoys o rhsj! nut ycu doy ehmf t`i b`ombi hs hmbriosif w`im eodhahis ori hmvcavif hm om RDRE- Ht doy oasc ni fheehbuat ecr ycu tc fhsbuss ycur ehmombhoa shtuothcm wht` ycur b`hafrim- Oatirmothviay! ycu doy ehmf ht usieua tc fhsbuss ycur ehmombis cpimay omf doji ycur b`hafrim owori ce ycur cviroaa pcshthcm- Hm aotir yiors! w`im ycu doy miif okif bori cr ori bcmshfirhmk `cw tc poss cm ycur istoti! t`ihr jmcwaifki ce ycur ehmombis bcuaf ni viry `iapeua-
V`iri ori ct`ir nimiehts ce `ovhmk ycur b`hafrim os didnirs- Ht‘s pcsshnai ycur b`hafrim‘s sdoaa supir noaombis ori burrimtay nihmk iotim owoy ny eiis omf hmsurombi pridhuds- Bcmscahfothmk ycur eodhay‘s supir hmtc cmi strubturi doy `iap ycu oaa sovi cm ofdhmhstrothvi bcsts- Xcu doy oasc ni onai tc rifubi ycur hmsurombi bcsts ny ushmk t`i cmi prcvhfir hmshfi ycur eumf! omf ycu bcuaf nuhaf o dcri bcdpri`imshvi prctibthcm pobjoki-
Xcur b`hafrim fcm‘t miif tc ni didnirs ecr ahei- V`iy orim‘t acbjif hmtc ycur eumf ecrivir- V`iy doy womt tc stort t`ihr cwm RDRE cmbi t`ihr noaombi krcws cr t`iy stort o eodhay ce t`ihr cwm-
Xky G k`vi `c \E\J
[i istonahs`if o siae domokif supir eumf ecr cur eodhay hm Gomuory ><<2- [i womtif tc toji kriotir bcmtrca ce cur cwm fisthmy omf tc `ovi dcri bcmtrca cvir w`ot wi hmvistif- Os o eodhay ce ecur wi oasc jmiw t`ot o siae domokif supirommuothcm eumf wcuaf khvi us dcri eaixhnhahty os o eodhay umht omf t`ot t`hs wcuaf ni eor dcri bcst$ieeibthvi t`om ushmk ritoha cr hmfustry eumfs-
Ht `os niim o viry ieeibthvi vi`hbai ecr us- Ht `os nrcuk`t t`i eodhay bacsir tckit`ir omf aif tc o kriotir bcaaibthvi umfirstomfhmk ce cur ehmombis omf ce ehmombhoa dorjits- [i imgcy nihmk pirscmoaay hmvcavif hm fibhshcm dojhmk oncut cur euturi- Cur siae domokif supir eumf `os oasc niim om ixbiaaimt vi`hbai tc osshst us wht` istoti paommhmk-
[`hai H od sthaa scdi yiors ercd rithridimt! cur siae domokif supir eumf `os prcvhfif dy eodhay wht` ehmombhoa stonhahty omf khvim us eor dcri ehmombhoa hmfipimfimbi t`om wi wcuaf ct`irwhsi `ovi `of- Ht `os khvim us t`i bcmehfimbi tc doji b`chbis hm cur ahvis t`ot ct`irwhsi wcuaf mct `ovi niim ovohaonai-
Bijj Xk`m`c @F
@drnbr OBD d` Obftrbglfh afm Nbmloarb
[tip =5 sidikt ` trustii fr trustiis afr yfur [B[A
Cmbi ycu `ovi fibhfif w`c t`i didnirs ce ycur RDRE whaa ni! t`i mixt t`hmk tc bcmshfir hs w`c t`i trustiis whaa ni-
Vrustiis bom ni iht`ir hmfhvhfuoas cr o bcdpomy- V`i nimiehts omf fhsofvomtokis ce nct` trustii strubturis ori fhsbussif aotir hm t`hs b`optir-
Rupir aikhsaothcm kimiroaay riquhris oaa didnirs tc ni iht`ir hmfhvhfuoa trustiis cr fhribtcrs ce o bcrpcroti trustii! t`cuk` t`iri ori o eiw mctonai ixbipthcms tc t`hs stomforf ruai-
V`i ehrst ixbipthcm riaotis tc shmkai$didnir eumfs- He ycu hmtimf tc ni t`i cmay didnir ce ycur RDRE! ycu `ovi twc cpthcms7
• Rit up o bcrpcroti trustii- Xcu bom ni t`i scai fhribtcr cr b`ccsi tc oppchmt o sibcmf fhribtcr (mcm$didnir( w`c hs mct ycur idpacyir (umaiss ycu‘ri riaotif(-
• Ehmf omct`ir hmfhvhfuoa w`c whaa ni oppchmtif os t`i sibcmf hmfhvhfuoa trustii ce ycur RDRE- Okohm! t`hs hmfhvhfuoa dust mct ni ycur idpacyir umaiss ycu‘ri riaotif-
V`i sibcmf ixbipthcm riaotis tc didnirs w`c ori umfir ?0 yiors ce oki omf fc mct `ovi o aikoa pirscmoa riprisimtothvi- Hm sub` bosis! t`i b`haf hs umonai tc obt os trustii cr fhribtcr ce t`i bcrpcroti trustii omf! os o risuat! t`i porimt cr kuorfhom bom obt hm t`ihr paobi- (Hm aoti ><?? t`hs ixbipthcm oppahis cmay tc eumfs wht` hmfhvhfuoa trustiis- @cwivir! t`i kcvirmdimt `os prcpcsif t`hs s`cuaf oasc oppay w`im t`i eumf `os o bcrpcroti trustii-( [`im t`i b`haf turms ?0! t`iy whaa nibcdi o trustii cr fhribtcr ce t`i bcrpcroti trustii hm t`ihr cwm rhk`t-
Oco yfu gjfw6
@enk` perscgk` represegtktfve hekgs tae exedutcr cm tae wf`` cr kohfgfstrktcr cm tae estkte cm k oedekseo perscg, tae trustee cm tae estkte cm k perscg ugoer k `enk` ofsklf`fty !suda ks k perscg wac fs hegtk``y fgdkpkdftkteo&, cr k perscg wac ac`os kg egourfgn pcwer cm kttcrgey nrkgteo ly kg fgofvfouk`'
O eurt`ir ixbipthcm riaotis tc didnirs w`c `ovi oppchmtif o aikoa pirscmoa riprisimtothvi ny woy ce om imfurhmk pcwir ce ottcrmiy (sii b`optir 8(- Hm t`hs bhrbudstombi! t`i pirscm w`c `cafs om imfurhmk pcwir ce ottcrmiy kromtif ny o didnir doy ni oppchmtif os o trustii cr fhribtcr hm paobi ce t`i didnir- V`hs ixbipthcm bom ni usieua w`iri o didnir acsis t`i bopobhty tc doji fibhshcms! ecr ixodpai hm t`i ivimt ce o sirhcus haamiss! cr w`iri o didnir hmtimfs tc trovia cvirsios omf wcm‘t ni onai tc umfirtoji t`ihr trustii futhis-
Ehmoaay! he o didnir possis owoy! t`ihr aikoa pirscmoa riprisimtothvi whaa kimiroaay stip hm os trustii cm t`ihr ni`oae umtha t`ihr nimiehts ori pohf ercd t`i supir eumf- He o didnir fhis wht`cut o whaa! t`i pirscm oppchmtif tc ofdhmhstir t`ihr istoti whaa bcddcmay stomf hm os trustii-
Poii hii enefnrs fn nio`ofin ta fn trustnns1
Os mctif iorahir! ycu dust ni cvir t`i oki ce ?0 tc obt os trustii cr fhribtcr omf `ovi euaa aikoa bopobhty-
Oasc! ycu bommct ni o fhsquoahehif pirscm- Obbcrfhmk tc t`i Oustroahom Voxothcm Ceehbi (OVC(! ycu whaa eoaa hmtc t`hs botikcry he ycu7
• `ovi ivir niim bcmvhbtif ce om ceeimbi hmvcavhmk fhs`cmisty
• `ovi ivir niim sungibt tc o bhvha pimoaty crfir umfir t`i supirommuothcm aows
• ori om hmscavimt umfir ofdhmhstrothcm
• ori om umfhsb`orkif nomjrupt
• `ovi niim fhsquoahehif ny o rikuaotcr (sub` os t`i OVC(-
He ycu‘ri sitthmk up o bcrpcroti trustii! ycur bcdpomy dust ni iahkhnai- Obbcrfhmk tc t`i OVC! o bcrpcroti trustii whaa mct ni iahkhnai he7
• o rispcmshnai ceehbir ce t`i bcdpomy (sub` os o fhribtcr! sibritory cr ixibuthvi ceehbir( hs o fhsquoahehif pirscm
• o ribihvir! ceehbhoa domokir cr prcvhshcmoa ahquhfotcr `os niim oppchmtif tc t`i bcdpomy
• obthcm `os niim stortif tc whmf up t`i bcdpomy-
He ycu‘ri o fhsquoahehif pirscm! ycu bom‘t ni o trustii cr fhribtcr ce o bcrpcroti trustii ce om RDRE! w`hb` oasc dioms ycu bom‘t ni o didnir ce om RDRE- He ycu eoaa hmtc t`hs botikcry! ycu whaa `ovi tc khvi o siae domokif supir eumf o dhss omf sthbj wht` ycur ixhsthmk supir orromkidimts-
]cauib yau chvn h marparhtn trustnn ar ojbovobuhi trustnns1
V`iri ori nct` ofvomtokis omf fhsofvomtokis tc `ovhmk iht`ir hmfhvhfuoas cr o bcdpomy obt os trustii ce ycur RDRE-
[`im ht bcdis tc eiis! hmfhvhfuoa trustiis whaa hmhthoaay ni t`i b`iopir cpthcm- [ht` o bcrpcroti trustii ycu whaa eobi om offhthcmoa bcst tc sit up t`i bcdpomy ce nitwiim &;<< omf &?<<<- Xcu whaa oasc hmbur om ommuoa rivhiw eii ercd t`i Oustroahom Riburhthis omf Hmvistdimts Bcddhsshcm (ORHB(- V`hs eii hs burrimtay &6> he t`i bcdpomy hs mct nihmk usif ecr ct`ir purpcsis-
Ivim t`cuk` ycu bom usi om ixhsthmk bcdpomy tc obt os ycur eumf‘s trustii! ht‘s kimiroaay mct ofvhsonai- He t`i bcdpomy wiri tc ni pursuif ny brifhtcrs cr kc hmtc ahquhfothcm fui tc hts ct`ir trofhmk obthvhthis! ycur eumf‘s ossits bcuaf ni ot rhsj- Hm porthbuaor! mct jiiphmk RDRE ossits siporoti ercd ct`ir bcdpomy ossits bcuaf prcvi bcstay- O trustii bcdpomy dust oasc doji suri ht bcdpahis wht` t`i RDRE fhribtcrs`hp ruais! w`hb` ristrhbt w`c bom ni o fhribtcr- V`hs doy ahdht euturi nushmiss eaixhnhahty! os kimiroaay cmay eumf didnirs bom ni offif os fhribtcrs ce t`i bcdpomy-
Xcur ripcrthmk cnahkothcms whaa ni `hk`ir wht` o bcrpcroti trustii- Iob` yior ycu whaa `ovi tc imsuri t`i bcdpomy bcdpaitis om ommuoa stotidimt ecr ORHB- Xcu dust oasc doji suri ycu jiip ORHB hmecrdif ce omy b`omkis tc t`i bcdpomy- Hm rioahty! t`cuk`! t`isi tosjs orim‘t tcc cmircus omf ycur obbcumtomt cr ofdhmhstrotcr whaa mcrdoaay `iap ycu domoki t`id-
\n`t cs `j `jju`d st`tibijt6
Ekda yekr KTFD wf`` sego ycu kg kgguk` stktehegt mcr ycur dchpkgy' Cgde ycu redefve tafs stktehegt ycu wf`` le requfreo tc2
• daedj tae oetkf`s cm ycur dchpkgy tc egsure taey kre stf`` kddurkte !mcr exkhp`e, daedj fm tae kooress kgo ofredtcr oetkf`s kre stf`` tae skhe&' Fm kgy dakgnes geeo tc le hkoe, ycu hust fgmcrh KTFD wftafg <1 okys cm tae okte cm fssue cm tae kgguk` stktehegt
• pky tae kgguk` revfew mee wftafg twc hcgtas
• pkss k sc`vegdy resc`utfcg wftafg twc hcgtas !Kustrk`fkg Tedurftfes kgo Fgvesthegts Dchhfssfcg, Kgguk` stktehegts kgo sc`vegdy resc`utfcgs, <9;; www'ksfd'ncv'ku&'
Fisphti t`i `hk`ir upercmt bcst omf cmkchmk ripcrthmk riquhridimts! o bcrpcroti trustii hs ahjiay tc sovi ycu dcmiy hm t`i euturi ny shdpaheyhmk ycur eumf‘s ofdhmhstrothcm- Ecr ixodpai! he ycur eumf `os hmfhvhfuoa trustiis! iviry thdi o didnir bcdis cr kcis! ycu whaa miif tc vory t`i eumf‘s trust fiif- V`i modis cm oaa ce ycur eumf‘s hmvistdimts dust oasc ni upfotif tc rieaibt t`i b`omkif bcdpcshthcm ce t`i trustii ncfy- V`hs hs nibousi oaa RDRE hmvistdimts dust ni `iaf hm t`i modi(s( ce t`i trustii(s( cm ni`oae ce t`i eumf- Dojhmk t`isi b`omkis bom ni thdi bcmsudhmk! omf ycu‘ri ahjiay tc hmbur offhthcmoa eiis he ycu `ovi prceisshcmoa `iap hm rummhmk ycur eumf- He didnirs b`omki wht` o bcrpcroti trustii! mc fiif ce vorhothcm hs riquhrif omf ycu whaa miif tc upfoti cmay t`i modis ce t`i fhribtcrs ce t`i bcdpomy omf hmecrd ORHB ce t`i b`omki! rot`ir t`om upfothmk t`i modis ce ycur eumf‘s hmvistdimts- V`i bcrpcroti trustii strubturi ceeirs o kriot ofdhmhstrothvi ofvomtoki-
Hm t`i bosi ce o stomforf twc$didnir eumf bcdprhshmk `usnomf omf whei! t`i RDRE hs cetim aiet wht` cmi didnir he cmi didnir possis owoy- He t`i eumf `os o bcrpcroti trustii! t`i RDRE bom bcmthmui tc ixhst wht`cut t`i miif tc ehmf o ripaobidimt cr sibcmf fhribtcr- He ycur eumf `os hmfhvhfuoa trustiis! ycu wcuaf miif tc ehmf omct`ir trustii cr sit up o bcrpcroti trustii- V`hs hs mct mibissorhay fheehbuat omf ycu whaa `ovi sovif cm t`i bcst ce o bcrpcroti trustii umtha t`hs pchmt! nut ht doy mct ni scdit`hmk ycu womt tc ni wcrryhmk oncut w`im ycu ori krhivhmk-
Ht‘s ioshir tc jiip t`i ossits ce ycur RDRE siporoti ercd ycur pirscmoa ossits he ycu `ovi o bcrpcroti trustii- Nibousi t`i trustii `cafs ossits hm t`ihr modi cm ni`oae ce t`i eumf! ht bom ni iosy tc dhx up ossits `iaf pirscmoaay wht` t`csi `iaf cm ni`oae ce t`i eumf- Ny ushmk o bcrpcroti trustii! t`i fhsthmbthcm nitwiim pirscmoa omf RDRE ossits whaa ni iosy tc hfimthey omf dohmtohm-
O bcrpcroti trustii bcuaf oasc prcvhfi ycu wht` om ixtro aivia ce prctibthcm hm t`i ivimt ce ahthkothcm hmvcavhmk t`i eumf- He om hmfhvhfuoa sueeirs omy ahonhahty os trustii! t`ihr pirscmoa ossits ori pctimthoaay ot rhsj- [ht` o bcrpcroti trustii! ahonhahty hs ahdhtif tc t`i bcdpomy‘s ossits omf mct t`csi ce hts fhribtcrs- Ecr ixodpai! he o bcmtrobtcr hs hmgurif w`hai dojhmk ripohrs cm om RDRE prcpirty! t`iy doy sui t`i trustii(s( ecr fodokis- He o bcrpcroti trustii hs hm paobi! fodokis whaa ni scuk`t ercd t`i ahdhtif ahonhahty bcdpomy (omf o scai purpcsi bcdpomy doy `ovi mc ossits( rot`ir t`om ercd t`i hmfhvhfuoa fhribtcrs-
Hmfhvhfuoa trustiis omf bcrpcroti trustiis bom ni ahonai tc pimoathis he t`i supir aikhsaothcm hs nriob`if- [`hai pimoathis vory fipimfhmk cm t`i moturi ce t`i nriob`! t`csi hdpcsif cm hmfhvhfuoas omf bcdpomhis ori mct oawoys t`i sodi- Hm eobt! t`i pimoaty rikhdi bom cetim hdpcsi `hk`ir pimoathis cm bcdpomhis t`om cm hmfhvhfuoas-
He ycu‘ri t`hmjhmk oncut sitthmk up om RDRE cm ycur cwm! omf ycu fcm‘t womt omycmi iasi hmvcavif wht` ycur eumf! ycur nist cpthcm hs prcnonay tc `ovi o bcdpomy obt os trustii- Xcu whaa ni t`i scai fhribtcr omf t`i cmay pirscm riquhrif tc doji fibhshcms omf shkm fcbudimts ecr t`i eumf- Ct`irwhsi! ycu whaa `ovi tc osj omct`ir hmfhvhfuoa tc ni om hmfhvhfuoa trustii- V`hs offhthcmoa pirscm wcuaf `ovi iquoa fibhshcm$dojhmk pcwir omf rispcmshnhahty ecr ycur eumf- Xcu wcuaf `ovi tc ni bcmehfimt t`ot t`iy wcuaf obt opprcprhotiay hm t`i rcai omf ni ioshay obbisshnai tc `iap wht` t`i eumf‘s domokidimt-
[tip ;5 kfjscoir yfur fvirsi`s tr`vid pd`js
Fc ycu hmtimf tc ahvi cvirsios3 Omswirhmk yis fcism‘t diom ycu bom‘t sit up om RDRE! ht gust dioms ycu whaa miif tc bcmshfir t`i RDRE rishfimby ruais- He ycur eumf fcism‘t sothsey t`isi ruais ht whaa mct ni bcmshfirif om Oustroahom supirommuothcm eumf umfir t`i Lfodnb ]ax Assbssnbft Aot 1<<3 omf whaa acsi hts bcmbisshcmoa tox stotus! w`hb` bom risuat hm siviri tox bcmsiquimbis-
Vc ni bcmshfirif om Oustroahom supirommuothcm eumf! ycur RDRE miifs tc diit t`i ecaacwhmk t`rii tists ot oaa thdis t`rcuk`cut t`i yior7
? Xcur eumf wos istonahs`if hm Oustroaho cr omy ossit ce t`i eumf wos shtuotif hm Oustroaho ot t`ot thdi-
> Xcur eumf‘s bimtroa domokidimt omf bcmtrca hs crfhmorhay hm Oustroaho-
2 Xcur eumf iht`ir `os mc obthvi didnirs (mc didnir hs bcmtrhnuthmk tc t`i eumf( cr ot aiost `oae ce t`i eumf‘s ossits ottrhnutonai tc obthvi didnirs niacmk tc obthvi didnirs w`c ori Oustroahom tox rishfimts-
Xcur onhahty tc diit tist ? hs rot`ir strohk`tecrworf omf s`cuafm‘t ni o prcnaid he ycu sit up ycur eumf opprcprhotiay-
Vist > hs t`i vhtoa cmi he ycu hmtimf tc kc cvirsios- Bimtroa domokidimt omf bcmtrca kimiroaay rieirs tc dojhmk t`i jiy fibhshcms ecr ycur eumf- V`hs hmbaufis domokhmk ycur eumf‘s hmvistdimt strotiky! dcmhtcrhmk hts pirecrdombi omf fibhfhmk `cw eumf ossits whaa ni usif tc eumf didnir nimiehts-
He dcri t`om `oae t`i hmfhvhfuoa trustiis cr fhribtcrs ori cvirsios pirdomimtay omf dojhmk t`isi fibhshcms! t`im ycur eumf whaa mct sothsey t`hs tist- @ovhmk sohf t`hs! o tidpcrory onsimbi ce up tc twc yiors whaa ni tcairotif- [`it`ir ycur onsimbi hs tidpcrory cr pirdomimt whaa ni ossissif cm o bosi$ny$bosi noshs- He ycu ori orkuhmk ht‘s tidpcrory! ycu s`cuaf `ovi ivhfimbi sub` os o ehxif tird gcn bcmtrobt! o riturm eahk`t foti omf cmkchmk bcddhtdimts hm Oustroaho tc s`cw ycur hmtimthcm tc riturm-
Kimiroaay! ycu whaa ni om obthvi didnir umfir tist 2 he ycu ori dojhmk bcmtrhnuthcms tc ycur eumf cr scdicmi iasi hs dojhmk t`id cm ycur ni`oae- V`hs tist imsuris ycur eumf hs prhdorhay nihmk usif tc hmbriosi t`i supir nimiehts ce Oustroahom tox rishfimts- Xcu‘ri cmay ahjiay tc imbcumtir prcnaids wht` t`hs tist he ycu aiovi t`i bcumtry pirdomimtay omf ori bcmshfirif o mcm$rishfimt ecr Oustroahom toxothcm purpcsis-
He ycu‘ri umbirtohm oncut ycur onhahty tc sothsey omy ce t`i rishfimby tists! siij eurt`ir ofvhbi- [`it`ir oppchmthmk miw didnirs cr ushmk om imfurhmk pcwir ce ottcrmiy ‖ t`iri doy ni o woy ce prctibthmk t`i rishfimby stotus ce ycur eumf-
_cp
Fm ycu‖re cverseks, tae eksfest wky tc sktfsmy tae kdtfve hehler test fs gct tc dcgtrflute tc ycur mugo'
[tip ?5 a`bcdc`rcsi yfursida wctn tni rfdis `jo rispfjscmcdctcis fa trustiis
Ori ycu eodhahor wht` t`i rcais omf rispcmshnhahthis ycu `ovi os trustii ce ycur RDRE cr os fhribtcr ce hts bcrpcroti trustii3
Os trustii cr fhribtcr ce o eumf‘s bcrpcroti trustii! ycu whaa `ovi euaa bcmtrca cvir `cw t`i eumf hs rum- Xcu whaa oasc `ovi euaa rispcmshnhahty ecr dojhmk suri t`i eumf bcdpahis wht` oaa riaivomt ruais- Nut jiip hm dhmf ycu fcm‘t kit pohf ecr t`hs-
Obbcrfhmk tc t`i OVC! os trustii cr fhribtcr! ycu dust obt hm obbcrfombi wht`7
• t`i trust fiif ce ycur eumf ‖ t`i fiif sits cut t`i ruais ce t`i eumf
• supirommuothcm aows ‖ ecr ixodpai! t`i _upbraffuatldf Lfmustry +_upbrvlsldf, Aot 1<<? omf t`i _upbraffuatldf Lfmustry +_upbrvlsldf, Zbcugatldfs 1<<=
• tox aows! sub` os t`i Lfodnb ]ax Assbssnbft Aot 1<<3 omf t`i ]ax Amnlflstratldf Aot 1<2?
• ct`ir kimiroa aows t`ot doy ni oppahbonai ‖ ecr ixodpai! t`i Odrpdratldfs Aot :991 (ecr o bcrpcroti trustii(-
Kimiroaay! t`isi ruais riquhri trustiis cr fhribtcrs tc ecaacw noshb prhmbhpais! w`hb` hmbaufi7
• dohmtohmhmk t`i eumf ecr t`i scai purpcsi ce prcvhfhmk rithridimt nimiehts tc didnirs
• oawoys obthmk hm t`i nist hmtirist ce t`i eumf‘s didnirs
• khvhmk didnirs obbiss tc hmecrdothcm w`im riquistif
• borryhmk cut oaa tosjs wht` `cmisty omf hmtikrhty
• sjhaeuaay omf fhahkimtay domokhmk t`i eumf
• briothmk omf hdpaidimthmk om hmvistdimt strotiky ecr t`i eumf
• hmvisthmk eumf ossits hm obbcrfombi wht` t`i hmvistdimt strotiky omf vorhcus hmvistdimt ruais
• jiiphmk pirscmoa omf eumf ossits siporoti
• oaacwhmk didnirs tc obbiss t`ihr supir cmay w`im t`iy diit o bcmfhthcm ce riaiosi! sub` os rithridimt cr tctoa omf pirdomimt fhsonhahty
• jiiphmk omf ritohmhmk bcdpaiti omf obburoti ribcrfs! hmbaufhmk ribcrfs ce oaa fibhshcms oeeibthmk t`i eumf
• priporhmk ehmombhoa stotidimts omf acfkhmk om ommuoa tox riturm wht` t`i OVC
• orromkhmk ecr t`i eumf tc ni oufhtif ommuoaay
• hmecrdhmk t`i OVC ce jiy b`omkis oeeibthmk t`i eumf wht`hm >0 foys-
Oco yfu gjfw6
K`` THTMs hust `cone kg kgguk` tkx returg wfta tae K_C ekda yekr tc dcgtfgue redefvfgn dcgdessfcgk` tkx trekthegt' _aey hust k`sc net taefr mugo‖s mfgkgdfk` stktehegts kuofteo ekda yekr ly kg kpprcveo kuoftcr lemcre `confgn tae kgguk` returg'
_ae K_C uses tae kgguk` tkx returg tc dc``edt fgmcrhktfcg klcut tae mugo‖s fgdche tkx pcsftfcg, hehler dcgtrflutfcg oetkf`s, kgo waetaer tae mugo aks dchp`feo wfta fhpcrtkgt super renu`ktfcgs' Ft‖s k`sc k wky mcr tae K_C tc dc``edt tae kgguk` K_C supervfscry `evy !durregt`y /;19&'
Xcur RDRE ofdhmhstrotcr! obbcumtomt! ehmombhoa cr ct`ir prceisshcmoa ofvhsir bom prcvhfi usieua ofvhbi rikorfhmk t`i ruais! nut ht‘s ycu! os trustii cr fhribtcr! w`c `os uathdoti rispcmshnhahty omf obbcumtonhahty ecr ycur eumf‘s bcdpahombi-
Pcht hrn tcn pnjhitons ol yau `nt ot wraj`1
V`i OVC hs rispcmshnai ecr ofdhmhstirhmk t`i aikhsaothcm omf imecrbhmk bcdpahombi wht` t`i aow- He ycur RDRE fcism‘t bcdpay wht` t`i ruais! t`i OVC doy toji o vorhity ce obthcms! w`hb` hmbaufi7
• hdpcshmk ofdhmhstrothvi pimoathis cm trustiis
• imtirhmk hmtc om okriidimt riquhrhmk trustiis tc ribthey o bcmtrovimthcm
• prcsibuthmk trustiis umfir t`i aow! w`hb` bom risuat hm ehmis cr hdprhscmdimt
• fibaorhmk om RDRE tc ni mcm$bcdpayhmk! w`hb` risuats hm siviri tox pimoathis ecr t`i eumf
• fhsquoaheyhmk! suspimfhmk cr ridcvhmk trustiis
• fhribthmk trustiis tc fhspcsi cr fioa wht` spibhehb eumf hmvistdimts-
V`isi pimoathis `hk`ahk`t t`i hdpcrtombi ce ecaacwhmk t`i supir ruais- ^ididnir oasc t`ot ycu `ovi o rispcmshnhahty tc ycur eiaacw didnirs omf trustiis- Ahji t`i OVC! t`iy bom toji obthcm okohmst ycu he ycu `ovim‘t ecaacwif t`i ruais sit cut hm t`i eumf‘s trust fiif-
[tip 95 oikcoi wnf wcdd nidp ist`mdcsn `jo `obcjcstir yfur [B[A
O quhbj siorb` cmahmi cr sbom ce t`i ehmombhoa pokis hm ycur eovcurhti miwspopir whaa rivioa domy crkomhsothcms ceeirhmk tc `iap sit up omf rum ycur RDRE- Ni owori t`iy fc mct oaa ceeir t`i sodi sirvhbi ‖ t`iri ori domy fheeirimbis omf cpthcms tc bcmshfir-
Pcht aptoajs hrn hvhoihfin ta snt up yaur ]E]L1
V`iri ori t`rii dohm cpthcms tc b`ccsi ercd ‖ ushmk om RDRE ofdhmhstrotcr! obbcumtomt cr aowyir- Om RDRE ofdhmhstrotcr cr obbcumtomt whaa kimiroaay prcvhfi ycu wht` euaa osshstombi hm sitthmk up ycur eumf- V`iy whaa bccrfhmoti priporothcm ce t`i eumf‘s trust fiif omf `iap ycu shkm cee cm oaa t`i ct`ir riquhrif popirwcrj-
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Securing Your Superannuation Future; How to Start and Run a Self Managed Super Fund
Find Out if an SMSF is Right for YouAre you thinking about setting up a self managed superannuation fund but unsure where to start? Are you worried that you're not maximising all the benefits an SMSF…
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