Global Pathway Finance

Global Pathway Finance Global Pathway Finance supports the Bhutanese community and wider Perth community with trusted home-loan guidance.

Your pathway to smarter finance starts here with trust. https://calendly.com/florian-globalpathwayfinance/30min

30/05/2026

Is now a good time to buy esp for first home buyers?

๐…๐ž๐๐ž๐ซ๐š๐ฅ ๐๐ฎ๐๐ ๐ž๐ญ & ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐Œ๐š๐ซ๐ค๐ž๐ญ

๐Ÿก ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง๐ฌ | ๐‚๐š๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž | ๐Ÿ’ผ๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ๐ข๐ฌ๐ž๐ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ
๐˜๐จ๐ฎ๐ซ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐ญ๐จ ๐’๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž.
๐Ÿข ๐†๐ฅ๐จ๐›๐š๐ฅ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐๐ญ๐ฒ ๐‹๐ญ๐
๐Ÿ›๏ธ ๐‡๐ž๐š๐ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž
๐’๐ฎ๐ข๐ญ๐ž ๐Ÿ–, ๐Ÿ๐Ÿ•๐Ÿ“ ๐Œ๐š๐ข๐ง ๐’๐ญ๐ซ๐ž๐ž๐ญ, ๐Ž๐ฌ๐›๐จ๐ซ๐ง๐ž ๐๐š๐ซ๐ค
๐–๐ž๐ฌ๐ญ๐ž๐ซ๐ง ๐€๐ฎ๐ฌ๐ญ๐ซ๐š๐ฅ๐ข๐š ๐Ÿ”๐ŸŽ๐Ÿ๐Ÿ•
๐Ÿ“ž: +๐Ÿ”๐Ÿ ๐Ÿ’๐Ÿ๐ŸŽ๐Ÿ–๐Ÿ’๐Ÿ๐Ÿ•๐Ÿ”๐Ÿ–/+๐Ÿ”๐Ÿ ๐Ÿ’๐ŸŽ๐Ÿ” ๐Ÿ๐Ÿ“๐Ÿ ๐Ÿ‘๐Ÿ•๐Ÿ‘
โœ‰๏ธ: ๐ข๐ง๐Ÿ๐จ@๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ

๐ŸŒ: ๐ฐ๐ฐ๐ฐ.๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ
โ‡๏ธ: ๐‡๐Ž๐Œ๐„ ๐‹๐Ž๐€๐ | ๐‚๐€๐‘ ๐‹๐Ž๐€๐ | ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐‹๐Ž๐€๐|

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Cutting Through the Mortgage JargonOne of the biggest barriers for first home buyers is simply understanding the languag...
30/05/2026

Cutting Through the Mortgage Jargon

One of the biggest barriers for first home buyers is simply understanding the language lenders use. Here's a quick breakdown of a few terms youโ€™ve probably come across:

LVR (Loan to Value Ratio)

This is the percentage of the propertyโ€™s value you're borrowing. For example, if youโ€™re buying a $500,000 home and borrowing $450,000, your LVR is 90%.
LMI (Lenders Mortgage Insurance)
Despite the name, this insurance protects the lenderโ€”not youโ€”if your deposit is under 20%. It can be a significant cost, but there are schemes that can help you avoid it.

Offset Account

This is a savings account linked to your home loan. The money in it reduces the interest charged on your loan, which can save you thousands over time.
Fixed vs Variable Rates
Fixed rates stay the same for a set period, giving you stability. Variable rates can move up or down with the marketโ€”offering flexibility, but less certainty.

If you're planning to buy your first home and want straightforward advice (without the jargon), feel free to reach out.

28/05/2026

๐๐ž๐ซ๐ญ๐ก ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐ฎ๐ฉ๐๐š๐ญ๐ž ๐Ÿ‘€๐Ÿ”ฅ
Less competition. More opportunities.

๐Ÿก ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง๐ฌ | ๐‚๐š๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž | ๐Ÿ’ผ๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ๐ข๐ฌ๐ž๐ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ
๐˜๐จ๐ฎ๐ซ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐ญ๐จ ๐’๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž.
๐Ÿข ๐†๐ฅ๐จ๐›๐š๐ฅ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐๐ญ๐ฒ ๐‹๐ญ๐
๐Ÿ›๏ธ ๐‡๐ž๐š๐ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž
๐’๐ฎ๐ข๐ญ๐ž ๐Ÿ–, ๐Ÿ๐Ÿ•๐Ÿ“ ๐Œ๐š๐ข๐ง ๐’๐ญ๐ซ๐ž๐ž๐ญ, ๐Ž๐ฌ๐›๐จ๐ซ๐ง๐ž ๐๐š๐ซ๐ค
๐–๐ž๐ฌ๐ญ๐ž๐ซ๐ง ๐€๐ฎ๐ฌ๐ญ๐ซ๐š๐ฅ๐ข๐š ๐Ÿ”๐ŸŽ๐Ÿ๐Ÿ•
๐Ÿ“ž: +๐Ÿ”๐Ÿ ๐Ÿ’๐Ÿ๐ŸŽ๐Ÿ–๐Ÿ’๐Ÿ๐Ÿ•๐Ÿ”๐Ÿ–/+๐Ÿ”๐Ÿ ๐Ÿ’๐ŸŽ๐Ÿ” ๐Ÿ๐Ÿ“๐Ÿ ๐Ÿ‘๐Ÿ•๐Ÿ‘
โœ‰๏ธ: ๐ข๐ง๐Ÿ๐จ@๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ

๐ŸŒ: ๐ฐ๐ฐ๐ฐ.๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ
โ‡๏ธ: ๐‡๐Ž๐Œ๐„ ๐‹๐Ž๐€๐ | ๐‚๐€๐‘ ๐‹๐Ž๐€๐ | ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐‹๐Ž๐€๐|

27/05/2026

๐Ÿ  ๐๐ž๐ ๐š๐ญ๐ข๐ฏ๐ž ๐ ๐ž๐š๐ซ๐ข๐ง๐  ๐œ๐ก๐š๐ง๐ ๐ž๐ฌ? ๐’๐ญ๐š๐ฒ ๐ข๐ง๐Ÿ๐จ๐ซ๐ฆ๐ž๐ ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ง๐ .
๐Ÿšจ ๐๐Ž๐“ ๐Ž๐๐‹๐˜ ๐…๐Ž๐‘ ๐๐‘
Financial services are available for student, temporary, working, and skilled visa holders too.

๐Ÿก ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง๐ฌ | ๐‚๐š๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž | ๐Ÿ’ผ๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ๐ข๐ฌ๐ž๐ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ
๐˜๐จ๐ฎ๐ซ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐ญ๐จ ๐’๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž.
๐Ÿข ๐†๐ฅ๐จ๐›๐š๐ฅ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐๐ญ๐ฒ ๐‹๐ญ๐
๐Ÿ›๏ธ ๐‡๐ž๐š๐ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž
๐’๐ฎ๐ข๐ญ๐ž ๐Ÿ–, ๐Ÿ๐Ÿ•๐Ÿ“ ๐Œ๐š๐ข๐ง ๐’๐ญ๐ซ๐ž๐ž๐ญ, ๐Ž๐ฌ๐›๐จ๐ซ๐ง๐ž ๐๐š๐ซ๐ค
๐–๐ž๐ฌ๐ญ๐ž๐ซ๐ง ๐€๐ฎ๐ฌ๐ญ๐ซ๐š๐ฅ๐ข๐š ๐Ÿ”๐ŸŽ๐Ÿ๐Ÿ•
๐Ÿ“ž: +๐Ÿ”๐Ÿ ๐Ÿ’๐Ÿ๐ŸŽ๐Ÿ–๐Ÿ’๐Ÿ๐Ÿ•๐Ÿ”๐Ÿ–/+๐Ÿ”๐Ÿ ๐Ÿ’๐ŸŽ๐Ÿ” ๐Ÿ๐Ÿ“๐Ÿ ๐Ÿ‘๐Ÿ•๐Ÿ‘
โœ‰๏ธ: ๐ข๐ง๐Ÿ๐จ@๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ

๐ŸŒ: ๐ฐ๐ฐ๐ฐ.๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ
โ‡๏ธ: ๐‡๐Ž๐Œ๐„ ๐‹๐Ž๐€๐ | ๐‚๐€๐‘ ๐‹๐Ž๐€๐ | ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐‹๐Ž๐€๐|

23/05/2026

๐’๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐ ๐ฐ๐ข๐ญ๐ก ๐€๐“๐Ž ๐ญ๐š๐ฑ ๐๐ž๐›๐ญ?
There may be a ๐ฌ๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐ฐ๐š๐ฒ ๐ญ๐จ ๐ซ๐ž๐๐ฎ๐œ๐ž the pressure & free up cash flow ๐Ÿ’ฐ
๐Ÿก ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง๐ฌ | ๐‚๐š๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž | ๐Ÿ’ผ๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ๐ข๐ฌ๐ž๐ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ
๐˜๐จ๐ฎ๐ซ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐ญ๐จ ๐’๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž.
๐Ÿข ๐†๐ฅ๐จ๐›๐š๐ฅ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐๐ญ๐ฒ ๐‹๐ญ๐
๐Ÿ›๏ธ ๐‡๐ž๐š๐ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž
๐’๐ฎ๐ข๐ญ๐ž ๐Ÿ–, ๐Ÿ๐Ÿ•๐Ÿ“ ๐Œ๐š๐ข๐ง ๐’๐ญ๐ซ๐ž๐ž๐ญ, ๐Ž๐ฌ๐›๐จ๐ซ๐ง๐ž ๐๐š๐ซ๐ค
๐–๐ž๐ฌ๐ญ๐ž๐ซ๐ง ๐€๐ฎ๐ฌ๐ญ๐ซ๐š๐ฅ๐ข๐š ๐Ÿ”๐ŸŽ๐Ÿ๐Ÿ•
๐Ÿ“ž: +๐Ÿ”๐Ÿ ๐Ÿ’๐Ÿ๐ŸŽ๐Ÿ–๐Ÿ’๐Ÿ๐Ÿ•๐Ÿ”๐Ÿ–/+๐Ÿ”๐Ÿ ๐Ÿ’๐ŸŽ๐Ÿ” ๐Ÿ๐Ÿ“๐Ÿ ๐Ÿ‘๐Ÿ•๐Ÿ‘
โœ‰๏ธ: ๐ข๐ง๐Ÿ๐จ@๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ

๐ŸŒ: ๐ฐ๐ฐ๐ฐ.๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ
โ‡๏ธ: ๐‡๐Ž๐Œ๐„ ๐‹๐Ž๐€๐ | ๐‚๐€๐‘ ๐‹๐Ž๐€๐ | ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐‹๐Ž๐€๐|

LVR โ€“ what does that even mean?Youโ€™ve probably seen it pop up on bank websites or heard it thrown around like everyoneโ€™s...
19/05/2026

LVR โ€“ what does that even mean?

Youโ€™ve probably seen it pop up on bank websites or heard it thrown around like everyoneโ€™s supposed to know what it is.

Hereโ€™s the deal: LVR stands for Loan to Value Ratio.

Itโ€™s just the percentage of the property price that youโ€™re borrowing.

So if you're buying a place for $500k and borrowing $450k, your LVR is 90%.

Why should you care?

Because once your LVR goes over 80%, the bank might charge you something called Lenders Mortgage Insurance (LMI).

And no, unfortunately, it doesnโ€™t protect youโ€”it protects the bank. Classic.
But there are a few ways around it. Thatโ€™s where I come in.

If youโ€™re hearing mortgage terms that sound like a different language, shoot me a message or drop it in the comments.

Happy to translate any time.

Paid LMI recently? You might be entitled to a refund โ€” hereโ€™s what most people donโ€™t realise...If youโ€™ve bought in a ris...
18/05/2026

Paid LMI recently? You might be entitled to a refund โ€” hereโ€™s what most people donโ€™t realise...
If youโ€™ve bought in a rising market (or done some value-adding renos), itโ€™s worth checking your propertyโ€™s updated valuation. Some lenders โ€” including ANZ, NAB, Westpac and others โ€” offer partial LMI refunds if the loan is refinanced or paid out early.
We recently had a client who bought with a 90% LVR loan through ANZ. A few months later, we refinanced based on the new (higher) valuation โ€” and ANZ refunded them $4,000 in LMI.
๐Ÿ’ก Hereโ€™s how the LMI refund typically works:
Loan paid out within 12 months โ†’ up to 40% LMI refund
Loan paid out within 12โ€“24 months โ†’ up to 20% LMI refund
LMI on an 88% loan usually ranges from 1.3%โ€“1.7% of the property price. So on a $500k purchase, thatโ€™s potentially $2,600โ€“$3,600 back in your pocket.
And if your new valuation brings your LVR below 80%, not only could you get an LMI refund โ€” you could also unlock better interest rates.
โœ… Pro tip: Ask your broker to order a few valuations across different lenders. Itโ€™s a simple step that could save you thousands.

16/05/2026

๐Ÿก ๐…๐ž๐๐ž๐ซ๐š๐ฅ ๐๐ฎ๐๐ ๐ž๐ญ & ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐Œ๐š๐ซ๐ค๐ž๐ญ

Big discussions continue around:
โœ”๏ธ ๐๐ž๐ ๐š๐ญ๐ข๐ฏ๐ž ๐†๐ž๐š๐ซ๐ข๐ง๐ 
โœ”๏ธ ๐‚๐š๐ฉ๐ข๐ญ๐š๐ฅ ๐†๐š๐ข๐ง๐ฌ ๐“๐š๐ฑ
โœ”๏ธ ๐…๐š๐ฆ๐ข๐ฅ๐ฒ ๐“๐ซ๐ฎ๐ฌ๐ญ๐ฌ

These changes could impact investors, homeowners, and future buyers across Australia.

Now more than ever, having the right finance structure and property strategy matters.

Contact Global Pathway Finance to discuss your options and plan ahead.

๐Ÿก ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง๐ฌ | ๐‚๐š๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž | ๐Ÿ’ผ๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ๐ข๐ฌ๐ž๐ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ
๐˜๐จ๐ฎ๐ซ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐ญ๐จ ๐’๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž.
๐Ÿข ๐†๐ฅ๐จ๐›๐š๐ฅ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐๐ญ๐ฒ ๐‹๐ญ๐
๐Ÿ›๏ธ ๐‡๐ž๐š๐ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž
๐’๐ฎ๐ข๐ญ๐ž ๐Ÿ–, ๐Ÿ๐Ÿ•๐Ÿ“ ๐Œ๐š๐ข๐ง ๐’๐ญ๐ซ๐ž๐ž๐ญ, ๐Ž๐ฌ๐›๐จ๐ซ๐ง๐ž ๐๐š๐ซ๐ค
๐–๐ž๐ฌ๐ญ๐ž๐ซ๐ง ๐€๐ฎ๐ฌ๐ญ๐ซ๐š๐ฅ๐ข๐š ๐Ÿ”๐ŸŽ๐Ÿ๐Ÿ•
๐Ÿ“ž: +๐Ÿ”๐Ÿ ๐Ÿ’๐Ÿ๐ŸŽ๐Ÿ–๐Ÿ’๐Ÿ๐Ÿ•๐Ÿ”๐Ÿ–/+๐Ÿ”๐Ÿ ๐Ÿ’๐ŸŽ๐Ÿ” ๐Ÿ๐Ÿ“๐Ÿ ๐Ÿ‘๐Ÿ•๐Ÿ‘
โœ‰๏ธ: ๐ข๐ง๐Ÿ๐จ@๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ

๐ŸŒ: ๐ฐ๐ฐ๐ฐ.๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ
โ‡๏ธ: ๐‡๐Ž๐Œ๐„ ๐‹๐Ž๐€๐ | ๐‚๐€๐‘ ๐‹๐Ž๐€๐ | ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐‹๐Ž๐€๐|

NegativeGearing CGT FamilyTrust PropertyInvestment GlobalPathwayFinance

10/05/2026

๐Ÿก ๐‡๐จ๐ฎ๐ฌ๐ž & ๐‹๐š๐ง๐ ๐๐š๐œ๐ค๐š๐ ๐ž๐ฌ ๐€๐ฏ๐š๐ข๐ฅ๐š๐›๐ฅ๐ž

๐Ÿ‡ฆ๐Ÿ‡บ Even ๐Ÿ๐จ๐ซ ๐Ÿ’๐Ÿ—๐Ÿ ๐ฏ๐ข๐ฌ๐š ๐ก๐จ๐ฅ๐๐ž๐ซ๐ฌ
โœ… 3 already SOLD
๐Ÿšจ Few properties left only
๐Ÿก ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง๐ฌ | ๐‚๐š๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž | ๐Ÿ’ผ๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ๐ข๐ฌ๐ž๐ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ
๐˜๐จ๐ฎ๐ซ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐ญ๐จ ๐’๐ฆ๐š๐ซ๐ญ๐ž๐ซ ๐…๐ข๐ง๐š๐ง๐œ๐ž.
๐Ÿข ๐†๐ฅ๐จ๐›๐š๐ฅ ๐๐š๐ญ๐ก๐ฐ๐š๐ฒ ๐…๐ข๐ง๐š๐ง๐œ๐ž ๐๐ญ๐ฒ ๐‹๐ญ๐
๐Ÿ›๏ธ ๐‡๐ž๐š๐ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž
๐’๐ฎ๐ข๐ญ๐ž ๐Ÿ–, ๐Ÿ๐Ÿ•๐Ÿ“ ๐Œ๐š๐ข๐ง ๐’๐ญ๐ซ๐ž๐ž๐ญ, ๐Ž๐ฌ๐›๐จ๐ซ๐ง๐ž ๐๐š๐ซ๐ค
๐–๐ž๐ฌ๐ญ๐ž๐ซ๐ง ๐€๐ฎ๐ฌ๐ญ๐ซ๐š๐ฅ๐ข๐š ๐Ÿ”๐ŸŽ๐Ÿ๐Ÿ•
๐Ÿ“ž: +๐Ÿ”๐Ÿ ๐Ÿ’๐Ÿ๐ŸŽ๐Ÿ–๐Ÿ’๐Ÿ๐Ÿ•๐Ÿ”๐Ÿ–/+๐Ÿ”๐Ÿ ๐Ÿ’๐ŸŽ๐Ÿ” ๐Ÿ๐Ÿ“๐Ÿ ๐Ÿ‘๐Ÿ•๐Ÿ‘
โœ‰๏ธ: ๐ข๐ง๐Ÿ๐จ@๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ

๐ŸŒ: ๐ฐ๐ฐ๐ฐ.๐ ๐ฅ๐จ๐›๐š๐ฅ๐ฉ๐š๐ญ๐ก๐ฐ๐š๐ฒ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž.๐œ๐จ๐ฆ.๐š๐ฎ
โ‡๏ธ: ๐‡๐Ž๐Œ๐„ ๐‹๐Ž๐€๐ | ๐‚๐€๐‘ ๐‹๐Ž๐€๐ | ๐๐”๐’๐ˆ๐๐„๐’๐’ ๐‹๐Ž๐€๐|

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