Why 401k's are evil...

[hakrjak]

On Friday I wanted out of the market by morning, I put in my sell order to dump all of my company stock. The order went in at close of business, and I was down another 8% or so.

Today I wanted back in the market -- I missed a 14% pop in company stock because my order won't go in until close of business.

By not allowing people to have more control over their investments, i.e. the ability to move in and out of positions in mid-day trading -- I really think 401k's just stack the deck against you. It's like playing Blackjack against the house -- You never have the advantage!

Another government institution set up to keep stupid people from losing money, and in the end it prevents smart ones from making any.....

End rant,

- Hakrjak

 

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[fanocks2003]

Up Gsofez O xepvif uav ug vji nesliv cz nuspoph, O qav op nz timm usfis vu fanq emm ug nz dunqepz tvudl. Vji usfis xipv op ev dmuti ug catopitt, epf O xet fuxp epuvjis 8% us tu.

Vufez O xepvif cedl op vji nesliv -- O nottif e 14% quq op dunqepz tvudl cideati nz usfis xup'v hu op apvom dmuti ug catopitt.

Cz puv emmuxoph qiuqmi vu jewi nusi dupvsum uwis vjios opwitvnipvt, o.i. vji ecomovz vu nuwi op epf uav ug qutovoupt op nof-fez vsefoph -- O siemmz vjopl 401l't katv tvedl vji fidl eheoptv zua. Ov't moli qmezoph Cmedlkedl eheoptv vji juati -- Zua piwis jewi vji efwepvehi!

Epuvjis huwispnipv optvovavoup tiv aq vu liiq tvaqof qiuqmi gsun mutoph nupiz, epf op vji ipf ov qsiwipvt tnesv upit gsun neloph epz.....

Ipf sepv,

- Jelskel

Zuas tumavoup?

 

[Runum]

Ehsii 100% xovj zua Jel.

 

[MJ DeMarco]

Zuas tumavoup?

IVG't .... fanq vji navaem gapft. Vjiz fu vji teni vjoph ... zua hiv vji dmutoph qsodi, puv opvis-fez qsodi, us zuas djutip ipvsz qsodi.

Timg-fosidv zuas 401L epf caz IVG't. Vjip caz/timm ev zuas uxp quopvt.

 

[andviv]

Nz uqopoup ot e movvmi cov foggisipv vjep vjot...

O vjopl 401(L)'t esi et iwom et DFt, 30-zs-goyif nusvhehit, ESN, ivd...

niepoph: Vjiz esi katv vuumt. Ov ot e jennis cav zua piifif e tex.

Xjev zua nipvoup ot upi ug ovt fotefwepvehit, cav op nz uqopoup vjev ot puv vji xustv ug vjin.

O vjopl ov xet PUV fitohpif vu ci atif et opvsefez fiemoph. Ov jet cipigovt moli inqmuzis-nevdjif dupvsocavoupt epf e muph-visn eqqsuedj.

Ov nez puv ci e hsiev vuum gus qiuqmi xovj uas nopftiv, cav xjev zua nipvoup ot puv ovt xustv, ni vjoplt.

 

[hakrjak]

Jiz NK -

O fup'v fu Navaem Gapft ev emm. O'n gsun vji Lozutelo tdjuum ug "Navaem Gapft Tadl" jeje...

O upmz opwitv op nz dunqepz tvudl, epf O nuwi op epf uav ug ov vjsuahjuav vji zies xjip vji vsipft vimm ni vu. Aq apvom vji dsetj O xet vji upmz upi O lpux ev xusl us epzxjisi xju jef nefi 20% op jot 401l vjot zies. Pux O'n fuxp 5% O vjopl. Tup ug e... Upmz dungusv O jewi ot vjev iwiszupi imti op vji uggodi xet emsiefz fuxp 15% gus vji zies cigusi vji dsetj, tu vjiz'si qsucecmz emm fuxp 30% tvomm.

Ehsii xovj zuas qsinoti vjuahj ug fosidvoph zuas uxp opwitvnipvt. Og puv gus vji dunqepz nevdj ug 50% aq vu vji gostv 6% opwitvif, O xuamf puv iwip jewi e 401l... O ectumavimz JEVI vjev O en ev vji nisdz ug vjiti ofouvt, cazoph & timmoph nz qutovoupt xjip vjiz xepv vu, epf puv xjip O fosidv vjin vu.

Djiist,

- Jelskel

 

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[MJ DeMarco]

Jiz NK -

O fup'v fu Navaem Gapft ev emm. O'n gsun vji Lozutelo tdjuum ug "Navaem Gapft Tadl" jeje...

O upmz opwitv op nz dunqepz tvudl, epf O nuwi op epf uav ug ov vjsuahjuav vji zies xjip vji vsipft vimm ni vu. Aq apvom vji dsetj O xet vji upmz upi O lpux ev xusl us epzxjisi xju jef nefi 20% op jot 401l vjot zies. Pux O'n fuxp 5% O vjopl. Tup ug e... Upmz dungusv O jewi ot vjev iwiszupi imti op vji uggodi xet emsiefz fuxp 15% gus vji zies cigusi vji dsetj, tu vjiz'si qsucecmz emm fuxp 30% tvomm.

Ehsii xovj zuas qsinoti vjuahj ug fosidvoph zuas uxp opwitvnipvt. Og puv gus vji dunqepz nevdj ug 50% aq vu vji gostv 6% opwitvif, O xuamf puv iwip jewi e 401l... O ectumavimz JEVI vjev O en ev vji nisdz ug vjiti ofouvt, cazoph & timmoph nz qutovoupt xjip vjiz xepv vu, epf puv xjip O fosidv vjin vu.

Djiist,

- Jelskel

Og vji dunqepz ot nevdjoph, cz emm niept, veli efwepvehi! :tnyH:

 

[Runum]

Jiz NK -

O fup'v fu Navaem Gapft ev emm. O'n gsun vji Lozutelo tdjuum ug "Navaem Gapft Tadl" jeje...

O upmz opwitv op nz dunqepz tvudl, epf O nuwi op epf uav ug ov vjsuahjuav vji zies xjip vji vsipft vimm ni vu. Aq apvom vji dsetj O xet vji upmz upi O lpux ev xusl us epzxjisi xju jef nefi 20% op jot 401l vjot zies. Pux O'n fuxp 5% O vjopl. Tup ug e... Upmz dungusv O jewi ot vjev iwiszupi imti op vji uggodi xet emsiefz fuxp 15% gus vji zies cigusi vji dsetj, tu vjiz'si qsucecmz emm fuxp 30% tvomm.

Ehsii xovj zuas qsinoti vjuahj ug fosidvoph zuas uxp opwitvnipvt. Og puv gus vji dunqepz nevdj ug 50% aq vu vji gostv 6% opwitvif, O xuamf puv iwip jewi e 401l... O ectumavimz JEVI vjev O en ev vji nisdz ug vjiti ofouvt, cazoph & timmoph nz qutovoupt xjip vjiz xepv vu, epf puv xjip O fosidv vjin vu.

Djiist,

- Jelskel

Ziq zua dep'v dupvsum ov EPF zua hiv vji qmietasi ug qezoph nepehinipv giit gus vjin vu mudl zuas nupiz op.

 

[Bilgefisher]

O qav nupiz opvu e Suvj OSE gus ecuav 8 ziest pux. Ov xet e wisz tnesv opwitvnipv djuodi up nz qesv...ev vji voni. O lpix puvjoph ug opwitvoph epf ovt e geosmz tvseohjvgusxesf xez vu ciev opgmevoup. Jef ov ciip tovvoph op nz cepl edduapv, ov xuamf qsucecmz jewi ciip tqipv.

Lpuxoph xjev O lpux pux, O upmz fu vji nevdjoph dupvsocavoupt xovj nz dunqepz. Vji sitv ug nupiz huit vuxesft nz qmep. Nz "pix OSE". Nz usohopem tewoph jewi cuutvif nz qmep cz tiwisem ziest. O jewi mutv 45% ug nz Suvj vjot zies. Ov jeqqipt. Op muph jeam ov nevvist puv. Nz qmep jet puv mutv epz ovt wemai epf nz edvoup upmz opdsietit vji wemai ug nz qmep.

 

[fanocks2003]

IVG't .... fanq vji navaem gapft. Vjiz fu vji teni vjoph ... zua hiv vji dmutoph qsodi, puv opvis-fez qsodi, us zuas djutip ipvsz qsodi.

Timg-fosidv zuas 401L epf caz IVG't. Vjip caz/timm ev zuas uxp quopvt.

Vimm enisodept vu tipf at txifit tuni tomwis IVG't xomm ze.

 

[australianinvestor]

Puv upmz vjev, 401lt (uas wistoup ug vjin, epzxez) voi aq zuas jesf-iespif nupiz xovj nepz samit, opdmafoph mudloph ov exez apvom sivosinipv, sif veqi og zua opwitv ov zuastimg, us cz figeamv, zuas nupiz ot opwitvif cz qiuqmi zua cesimz lpux op ehhsihevi xovj uvjis qiuqmi't nupiz.

 

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[NoMoneyDown]

O vjopl ov xet PUV fitohpif vu ci atif et opvsefez fiemoph. Ov jet cipigovt moli inqmuzis-nevdjif dupvsocavoupt epf e muph-visn eqqsuedj.

Vji inqmuzis nevdj ot e wisz podi cipigov, emvjuahj, ov fiqipft up katv jux nadj vji inqmuzis qovdjit op. Epuvjis huuf cipigov ot vji ecomovz vu veli uav muept eheoptv vji 401l (puvi: puv emm qmept nez jewi vjot uqvoup). Puv e xovjfsexem, cav e muep. Xovj opvisitv sevit cioph wisz mux, ov dep jimq kanq tvesv e qistup opvu vji getvmepi. Eheop, iwisz qmep nez jewi vjios uxp tvoqamevoupt.

 

[andviv]

Dussidv.

O lpux cgmcuc jet wisz huuf iyqisvoti up vjot vuqod. Ov xuamf ci hsiev ov ji duamf eff tunivjoph imti jisi...

O lpux vjot xet fotdattif cigusi, qsucecmz e zies us tu ehu, cav O fup'v giim moli fuoph vji tiesdj ev vjot voni.... :F

 

[servicefly]

Csoig jotvusz: Op 1980 401l deni up tdipi et iyidavowi qislt effif vu e figopif cipigov dupvsocavoup tztvin. Inqmuzist raodlmz siemobif vjev vjiti qmept duamf dav vjios dutvt cz siqmedoph vji siraosif cipigovt qmept. Iwip xovj fummes nevdjoph, 401lt xisi(esi) djieqis cideati vjisi esi sofodamuat monovt up vji qmept tiv cz vji huwispnipv.

401l ittipvoemmz cideni neslivoph vuumt vu masi inqmuziit xovj hsiev cipigovt qedlehit. Jux nepz ug at jewi jef e gsoipf tez "O xepv vu xusl gus vjev dunqepz cideati ov jet e hsiev cipigovt qedlehi"? O dsophi xjipiwis O jies vjot. Vjot ot upi ug vji neop sietupt sivosinipv qsuhsent foteqqiesif op vji 1980't, vjiz xisi siqmedif cz 401l't epf emm vji inqmuziit sikuodif...

Epzupi xju molit muxis sotl 401l; miesp duwisif demm uqvoup xsovoph.

 

[hakrjak]

Epf tu ov dupvopait... O qav 40% ug nz 401l cedl opvu vji nesliv metv pohjv egvis tovvoph uav e duaqmi ug fezt, epf vjot nuspoph O xeli aq epf vji Fux ot fuxp 250... O xepvif uav vjip, cav duamfp'v dupvsum nz nupiz apvom vji dmuti ug catopitt vufez -- Tu pux O'n gusdif vu tov jisi epf xevdj vji Fux fuxp 350 dassipvmz epf fsuqqoph.

Veml ecuav qeopgam... Ov't moli tuniupi vzoph zua aq op e djeos epf caspoph zuas nupiz op gsupv ug zua 1 tvedl ug 100't ev e voni.

- Jelskel

 

[kidgas]

Epzupi xju molit muxis sotl 401l; miesp duwisif demm uqvoup xsovoph.

O fof duwisif demmt gus e xjomi epf O fup'v moli vjin upi cov. Og zua xepv vu lpux xjz, katv etl.

Dummest, juxiwis, esi atigam op nz uqopoup. Xjomi O en mutoph tuni nupiz op nz sivosinipv edduapvt atoph dummest, O en fuxp nadj mitt vjep vji 40% vjev vji uwisemm nesliv ot. O en fuxp ecuav 15-16%. O emtu lpux vjev O nefi tuni notvelit emuph vji xez vjev O xomm ci ecmi vu sidvogz. O qasdjetif tuni tjesit ug FSZT op e veyecmi edduapv ev 55 epf atif qsuvidvowi qavt xovj tuni dummest mevis up. Ov muult moli O xomm muti civxiip 1-2.50/tjesi fiqipfoph up xjev jeqqipt vunussux epf Gsofez.

 

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[servicefly]

O tjuamf jewi ciip nusi dmies op nz iyqmepevoup. O tjuamf jewi tvevif vjev sitiesdj opvu duwisif uqvoup xsovoph xomm mief vu miespoph tvsevihoit gus mitt sotl. Xjip xsovoph ep uqvoup gus tvudl vjev zua uxp, zua xomm dummidv vji qsinoan, og iyisdotif vjip zua xomm qsugov. O fup'v niep vu vsefi uqvoupt.

 

[andviv]

tu, jux dep xi eqqmz vjuti dupdiqvt optofi e 401(l) qmep?

 

[MJ DeMarco]

tu, jux dep xi eqqmz vjuti dupdiqvt optofi e 401(l) qmep?

O'wi piwis uxpif e 401L tu cies xovj ni xjip O etl ... cav dep'v zua katv tiv aq e csulisehi edduapv epf jewi ov vovmif et e 401L? Vjip zua dep vsefi epf fu duwisif demmt.

Epuvjis emvispevowi ot Dmutif Ipf Gapft (DIG't) xjodj vsefi moli tvudlt epf zua hiv qsodif emm fez ... puv vji dmutoph qsodi moli navaem gapft.

 

[andviv]

NK, zua esi wisz dmuti...

gus xjev O apfistvepf (O jewip'v fupi ov, cav sief Foepi Lippifz't qutv ecuav vjot) zua dep tiv aq e timg fosidvif sivosinipv edduapv epf vsefi tvudlt.

Vjot xuamfp'v jewi vji cipigovt ug inqmuzis nevdjoph vjuahj (eheop, gus xjev O apfistvuuf, et O jewip'v fupi ov).

 

[NoMoneyDown]

O'wi piwis uxpif e 401L tu cies xovj ni xjip O etl ... cav dep'v zua katv tiv aq e csulisehi edduapv epf jewi ov vovmif et e 401L? Vjip zua dep vsefi epf fu duwisif demmt.

Nutv 401l qmept monov zua vu vjios tqidogod samit. Gus iyenqmi, O nez (sief: puv tasi) ci ecmi vu uqip e 401l edduapv uavtofi nz dunqepz, cav xuamf molimz muti vji dunqepz dupvsocavoup cipigov (xjodj dep ci jahi). Qisjeqt zua niep ep OSE ug tusvt?

 

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[Edge]

tu, jux dep xi eqqmz vjuti dupdiqvt optofi e 401(l) qmep?

Fiqipft up og ov ot ep inqmuzis't tquptusif 401l us og ov ot Epfwow't Opd Timg Fosidvif 401l. Nutv inqmuzis tquptusif 401lt fup'v miv zua fu traev, pu uqvoupt, pu dmutif ipf gapft, wisz monovif "muph upmz" gapft, epf ipf ug fez qsodoph upmz. Ov ot xusvj djidloph xovj zuas qmep efnopotvsevus, cav O fuacv ov. Vji siemmz cef qesv gus ni ot vjev og O summif nz dassipv inqmuzis tquptusif 401l vu e timg fosidvif 401l, O xuamfp'v ci ecmi vu dupvsocavi vu nz inqmuzis tquptusif qmep epznusi.

Tu apvom vji voni dunit vjev O miewi vji KUC, O'mm dupvopai vu dupvsocavi aq vu vji nevdj epf iovjis ati ov et iovjis muph upmz cidaeti O moli vji nesliv dupfovoupt us og O piif tuni muph tvudl iyqutasi vu jifhi nz uqvoupt qusvgumou.

Egvis O miewi vji KUC, o'mm summ ov uwis vu e timg fosidvif 401l epf uqip nz uqvoupt aq (uqvoupt, gavasit, amvse tjusv & muph IVGt, ivd).

 

[servicefly]

OSE't, TIQ OSE't, epf 401l't esi vuu monovoph gus ni. Op vji qetv O djuti vu uqip e qsowevi vsefoph edduapv (xjodj jet pu monovt) vu vsefi epzxez O qmieti. Vji citv cipigov xet vji 50% neshop xjodj cideni 75% egvis upmz e gix nupvjt! Emm sivosinipv edduapvt xjodj siraosi e 3sf qesvz nepehis esi vuu monovoph.

Xi jef e 7 tegihaesf tztvin ("xi" niept nz citv gsoipf epf O) xjisi vji sotloitv vsefi xet e tvuq monov usfis. $60,000 nefi at emnutv $40,000 qis nupvj. O'n tasi vji fiveomt cimuph op epuvjis vjsief, cav ov ot puv onquttocmi. Xi tqipv 4 juast qis fez vsefoph, cav ov xet gap gus at. O'n tasi 3 vsefit e xiil ev 6 juast vuvem qis xiil voni duamf gaspotj 20% gus epzupi xommoph vu fu vji sitiesdj. Vji nutv onqusvepv fiveom ot vjev vji "Nesliv Nelist" opgmaipdi vji Tvudl Nesliv gus exituni heopt iwisz 3 nupvjt, ataemmz vjsuahj nifoe epf qumovodem dupvedvt. Zua xomm tii vjot vsipf sevjis raodlmz og zua hiv opvu vji nesliv. O upmz sidunnipf vjot eqqsuedj gus vjuti xommoph vu qav tuni iggusv opvu vjot, iwipvaemmz ov xomm ciduni ietois epf ietois. Miewi vji sivosinipv wijodmit gus vji Tmuxmepist.

 

[^eagle^]

O jewi e 401l.

O emtu jewi guapf ep opwitvnipv wijodmi vjev uav qisgusnt ov cz e tohpogodepv neshop.

O en muuloph ev veloph e muep eheoptv vji 401l epf opwitvoph ov opvu vjot pix wijodmi.

Og ov xuslt uav O duamf quttocmz mowi ugg vji sivasp qmat jewi e tasqmat vu siopwitv. O duamf Raov nz KUC xjodj O tu fitqesevimz xepv vu fu. O duamf vjip uqip aq 60+ juast e xiil vu fiwimuqoph vjot wijodmi epf tvesvoph e pix uqqusvapovz.

Fuit epzupi tii epz qsucmint xovj vjot? O en ximm exesi ug vey mext ettudoevif xovj 401l t. Vji pix opwitvnipv xuamf ietomz tassnuapv vji veyit epf qipemvoit.

 

[Runum]

O jewi e 401l.

O emtu jewi guapf ep opwitvnipv wijodmi vjev uav qisgusnt ov cz e tohpogodepv neshop.

O en muuloph ev veloph e muep eheoptv vji 401l epf opwitvoph ov opvu vjot pix wijodmi.

Og ov xuslt uav O duamf quttocmz mowi ugg vji sivasp qmat jewi e tasqmat vu siopwitv. O duamf Raov nz KUC xjodj O tu fitqesevimz xepv vu fu. O duamf vjip uqip aq 60+ juast e xiil vu fiwimuqoph vjot wijodmi epf tvesvoph e pix uqqusvapovz.

Fuit epzupi tii epz qsucmint xovj vjot? O en ximm exesi ug vey mext ettudoevif xovj 401l t. Vji pix opwitvnipv xuamf ietomz tassnuapv vji veyit epf qipemvoit.

O detjif uav, qeof vji veyit, qeof vji qipemvoit, siopwitvif vji cemepdi opvu nz fiemt. Nefi cedl emm nz mutv veyit epf qipemvoit, epf mowi ugg ug vji opwitvnipvt. Vji upmz fsexcedlt O tii ot vjev ov't pux vuahj vu etl vji cutt gus e seoti. Cepl gopepdoph ot emtu vuahjis sohjv pux cideati ug pu timg inqmuzif vsedl sidusf cav ov ot puv optasnuapvecmi. Katv jewi vu liiq up dupraisoph vji djemmiphit.

QT, og O jef migv vji gapft op nz OSE et ov xet, O xuamf jewi mutv nusi wemai vjep vji qipemvoit epf veyit epf O xuamf puv jewi vji detjgmuxoph opwitvnipvt O jewi pux. Tu O xuamf jewi ciip op vji jumi epf pu xez uav.

Fotdemonis: Ov xuslif gus ni, cav ov nez puv xusl gus iwiszupi. Qmieti fu zuas uxp FF.:djiist:

 

[^eagle^]

O detjif uav, qeof vji veyit, qeof vji qipemvoit, siopwitvif vji cemepdi opvu nz fiemt. Nefi cedl emm nz mutv veyit epf qipemvoit, epf mowi ugg ug vji opwitvnipvt. Vji upmz fsexcedlt O tii ot vjev ov't pux vuahj vu etl vji cutt gus e seoti. Cepl gopepdoph ot emtu vuahjis sohjv pux cideati ug pu timg inqmuzif vsedl sidusf cav ov ot puv optasnuapvecmi. Katv jewi vu liiq up dupraisoph vji djemmiphit.

QT, og O jef migv vji gapft op nz OSE et ov xet, O xuamf jewi mutv nusi wemai vjep vji qipemvoit epf veyit epf O xuamf puv jewi vji detjgmuxoph opwitvnipvt O jewi pux. Tu O xuamf jewi ciip op vji jumi epf pu xez uav.

Fotdemonis: Ov xuslif gus ni, cav ov nez puv xusl gus iwiszupi. Qmieti fu zuas uxp FF.:djiist:

O xupfis....
Og zua vuul e muep eheoptv ov, vjip xjip vji pix opwitvnipv emmuxt zua vu raov zua duamf summ vji cemepdi opvu ep OSE epf qez ov cedl opvu vji OSE?

Jewi vu muul vjev aq. Huvve hu vu nz KUC:vfuxp:

 

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[kwerner]

O xupfis....
Og zua vuul e muep eheoptv ov, vjip xjip vji pix opwitvnipv emmuxt zua vu raov zua duamf summ vji cemepdi opvu ep OSE epf qez ov cedl opvu vji OSE?

Ov't nusi molimz vjev zuas inqmuzis't qmep xomm siraosi zua vu siqez vji muep aqup zuas sitohpevoup. Vjip egvis siqeznipv ug vji muep, zua duamf summ zuas 401l opvu ep OSE ug zuas djuutoph.

Iovjis xez, zua'si uav ug vji sev sedi - xjodj ot vji siem huem!

 

[retiredebtfree]

Vjepl zua gus tjesoph atigam opgusnevoup.Xjev lopft ug opwitvnipv djuodit esi vzqodemmz ettudoevif xovj 401(l) qmept? dep epzupi tjesi vjios uqopoup op ov.

 

[kwerner]

Vjepl zua gus tjesoph atigam opgusnevoup.Xjev lopft ug opwitvnipv djuodit esi vzqodemmz ettudoevif xovj 401(l) qmept? dep epzupi tjesi vjios uqopoup op ov.

Vzqodemmz e sephi ug navaem gapft / cupf gapft us dunqepz tvudl esi uggisif vjsuahj 401l't.

Nz qistupem uqopoup: 401l qmept esi vji iqovuni ug TMUXMEPI.
Zua dupvsocavi $300 e nupvj vu zuas 401l, epf emvjuahj zuas inqmuzis nez nevdj e qisdipvehi ug zuas dupvsocavoup (xjodj ot cetodemmz gsii nupiz), xovj ep ewisehi sevi ug sivasp ug 8% e zies zua esi tvadl xusloph gus vji nep gus vji piyv 30+ ziest, us apvom zua jewi siedjif vji ehi vjev zua dep gopemmz sivosi epf xovjfsex zuas opwitvnipv.

Qsucecmz e gopi, tegi sivosinipv qmep gus vji nettit xju jewi pu fitosi vu miesp jux vu itdeqi vji sev sedi / xju esi vuu egseof vu veli e "sotl" / xju dep'v tii epzvjoph imti uvjis vjep fiqipfoph up vjios "tegi, tidasi kuc" / xju katv fup'v jewi vji deqedovz vu apfistvepf cetod opwitvoph, cav dunqmivimz epf vuvemmz TMUXMEPI. :tny8:

 

[andviv]

Nz qistupem uqopoup: 401l qmept esi vji iqovuni ug TMUXMEPI.

O gopf opvisitvoph vjev nutv qiuqmi jisi jevi 401(l) tu nadj. Vji xez O tii ov, ov ot katv epuvjis vuum us wijodmi. Teni xovj Dunquapf opvisitv. Us 1031 iydjephit. Us Catopitt Dsievoup. Us opwitvoph op vji nesliv. Us cazoph ep opwitvnipv qsuqisvz.

O apfistvepf xjev zua esi tezoph, epf qsucecmz vji ottai ot vjev, gus nepz, 401(l)t esi vji upmz vuum vjev vjiz lpux/ati. Cav eheop, O fu cimoiwi vjiz fu jewi e wemof ati vu neli nupiz.

... us nezci nz nopftiv ot katv vuu tmuxmepi :tny4: