Yes I would like two know what i have to do to get the 195Linden per month sim

[Amethyst Jetaime]

You can buy a mainland sim, but you will only own the land and not be an estate owner.  These would have to be purchased from another resident or at auction.

or

You can buy a full private region; either a 'grandfathered' region from another resident or a region from another resident or one from LL and pay the $600.00 one time fee to get the grandfathered rate.

Buying a private region from another resident is generally a lot cheaper than buying one from LL.

[Amethyst Jetaime]

You can buy a mainland sim, but you will only own the land and not be an estate owner.  These would have to be purchased from another resident or at auction.

or

You can buy a full private region; either a 'grandfathered' region from another resident or a region from another resident or one from LL and pay the $600.00 one time fee to get the grandfathered rate.

Buying a private region from another resident is generally a lot cheaper than buying one from LL.

[Syo Emerald]

Just an addition: sims aren't paid with Linden. You pay them with Dollar. That would be 195$ a month.

[Lindal Kidd]

See this link:  https://community.secondlife.com/t5/English-Knowledge-Base/Buying-Private-Regions/ta-p/700045

Note that the initial purchase cost will be $600 USD...DOLLARS, not Linden Dollars.  The monthly upkeep is normally $295 USD, but you can "buy that down" to $195 USD per month by paying a one-time "buy down fee" of $600 USD.