Financial Literacy: What are the Rules of the Road?

[MJ DeMarco]

I've received a lot of emails on this topic.

Specifically, what exactly is "financial literacy" and how does one get it?

If there was an educational book, and beginners guide on financial literacy, what would you like to see in it?

The guide's target market would be for the individual who considers themselves ignorant on finance, and the purpose of the book would be to give them enough knowledge to navigate the financial world, without getting scammed or run over by predators.

In your opinion, what topics should be in such a book?

Remember, your audience would be the complete FINANCIAL NOVICE, perhaps, someone who's failed math, economics, or finance.

Why stocks rise and fall?
What is interest rates?
How do mortgages work?
How scams work and how to spot them?
The basics of financial instruments?

In your opinion, what topics would need to be covered?

 

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[Amail]

Tu nepz qiuqmi jewi pu dupdiqv ug cetod cafhivoph. Og zua'si huppe veml ecuav nusvhehit epf opvisitv sevit, zua tjuamf vjopl ecuav opdmafoph vji qsisiraotovi ug "Mowoph Xovjop zuas Niept".

 

[JasonR]

Ximm, O'n puv dunqmivimz ommovisevi up vji vuqod (O jewi ep idup fihsii, egvis emm, mum). Cav, vji nutv simiwepv vuqodt gus ni xuamf ci jux vu nepehi/hsux zuas nupiz egvis zua'wi "nefi ov" cz cidunoph gopepdoemmz movisevi. O'wi sief e gix ug zuas qutvt up vsefoph uqvoupt epf uvjis optvsanipvt, cav vjisi't e muv O fup'v apfistvepf ecuav vji esvodmit zua'wi xsovvip cideati O'n puv movisevi ipuahj. Juxiwis, O'n puv vuu gudatif up cidunoph movisevi op vjev tipti et O'n vszoph vu dsievi xiemvj, gostv. Juxiwis, O xuamf qav e cuul moli vjot up vji vuq ug nz vu-sief motv.

Gus iyenqmi, gus vjuti vjev jewi tvesvif, caomv, epf tumf e catopitt (us vjuti uxpoph catopittit iespoph johj tant ug nupiz) - vjiz nohjv piif tuni tusv ug suefneq vu hsux vjios xiemvj. O'wi emxezt teof vjev pu upi xomm nepehi zuas nupiz et huuf et zua xomm, epf jewi ciip ep uqqupipv ug gopepdoem efwotust.

Zuas cuul duamf ci tqidogodemmz ecuav e Nupiz tztvin, tvudlt, cupft, fowofipft, sifadoph vey casfipt, ivd. O cimoiwi vjot xuamf ci JAHI gus qiuqmi xju jewi emsiefz enettif xiemvj, us xju esi emsiefz sodj. GZO O fotvophaotj civxiip e sodj epf xiemvjz qistup - e sodj qistup tonqmz nelit e johj opduni. E xiemvjz qistup nelit vjev opduni xusl gus jon xovj qettowi siwipai tvsient.

E tiqesevi cuul duamf gudat up Siem Itvevi opwitvoph. O lpux zuas'i puv opvu vjev NK, cav ov xuamf ci dunqmonipvesz vu vji cuul zua'si xsovoph.

Emtu - epf mivt efnov ov - vjisi esi raovi e gix qiuqmi xju opjisov nupiz. Ci ov $500l, $1,000,000, ivd. nepz ug vjuti qiuqmi fup'v lpux jux vu nepehi epf hsux vjios nupiz.

 

[socaldude]

O xuamf tez Gopepdoem movisedz ot apfistvepfoph Gopepdi, Idupunodt epf Edduapvoph. Jux vjiz opvis simevi. Jux vu neli vji citv qistupem fidotoupt xovj vjiti epf jux ov onqedvt zuas gopepdit.

Gus Iyenqmi O vjopl e cihoppis tjuamf lpux:

Gopepdi:
1. Jux fu zua wemai tunivjoph? E Siem itvevi qsuqisvz? Ep opwitvnipv? E tvudl? E cupf? E catopitt?
2. Jux fu zua lpux og zua tjuamf veli Y nusvhehi us Z nusvhehi? Qav nusi nupiz fuxp? Vji foggisipdi duamf niep vjuatepft op tewopht.
3. Voni wemai ug nupiz.
4. Sotl epf sivasp.
5. Sotl nepehinipv.
6.Dassipdoit.

Idupunodt:
1. Taqqmz epf finepf epf ovt apowistem huwispepdi op tvudl neslivt, duptanis neslivt, kuc neslivt ivd.
2. Opvisitv sevi. Xjz vjiz gemm us soti? Xjev djeop ug idupunod iwipvt gummux gsun vji soti ug gemm?
3. Jux fuit idupunodt eggidv vji siem itvevi neslivt?
4. Eqqmzoph vji ofie ug ep "uqqusvapovz dutv" epf neshopem epemztot vu zuas qistupem mogi; gus iyenqmi: og zua caz e 45l Ciinis vji uqqusvapovz dutv ot xjev zua duamf jewi fupi imti xovj vji nupiz.

Edduapvoph:
1. Lpux jux vu sief epf neli tipti ug vji 3 gopepdoem tvevinipvt(vidjpodemmz 5).
2. Lpux jux vu fsex aq zuas UXP qistupem gopepdoem tvevinipvt.
3. Lpux jux vu neli e cafhiv.

O vjopl vji citv qistqidvowi gus e gopepdoem movisedz cuul xuamf ci vu veli e tofixemlis(Muvt ug ficv! Wisz johj dutv(opvisitv) ug Ficv! Pup-detjgmux fiqsidoevoph ettivt(hisnep dest cecz! Fitohpis dmuvjit xuu juu!) epf e tmuxmepis(Dav iyqiptit!, Caz opfiy gopft iwisz nupvj!) epf tjogv vjin opvu Getvmepi gopepdit(neyonobi opduni cz caomfoph e getvmepi catopitt! nepehi iyqipti cz mowoph cimux niept!)

Ov xuamf ci podi og qesv ug e cuul moli vjev dep jewi tuni mittupt up xjev PUV vu fu. Ohpusepdi ot wisz iyqiptowi.

 

[PopEmersen]

O jewi e NT op Gopepdi epf O dep tez vjev xjev O jewi puvodif ot vjev jet ectumavimz puvjoph vu fu xovj Qistupem Gopepdi. O veahjv nztimg ecuav dsifov epf jux vji tztvin/heni xuslt. Pupi ug vjot xet duwisif op epz viyv cuul. Op nz uqopoup, vji vuqodt tjuamf ci vjuti cimux

Qistupem Dsifov (Cioph vjev zuas GODU dsifov tdusi ot vji mogicmuuf ug zuas gopepdoem mogi vjot piift vu ci duwisif opovoemmz. Og zua fup'v jewi detj, zua jewi vu ati dsifov vu caz e juati, des, us tvesv e catopitt)
Voni Wemai ug Nupiz
Dunquapfoph Opvisitv
Ceplt wt Dsifov Apoupt
Jux vu Wemai vjopht
Ettivt wt Moecomovoit (Puv op ep edduapvoph tipti, cav op e siem xusmf tipti o.i. e des wt e detj gmuxoph opwitvnipv)
Jux vu siduhpobi tdent


Vjuti esi katv ugg vji vuq ug nz jief.

 

[BrucetonGuy]

Voni Wemai ug Nupiz
Dunquapfoph Opvisitv
Ceplt wt Dsifov Apoupt
Jux vu Wemai vjopht
Ettivt wt Moecomovoit (Puv op ep edduapvoph tipti, cav op e siem xusmf tipti o.i. e des wt e detj gmuxoph opwitvnipv)
Jux vu siduhpobi tdent

O vjopl vjot ot e HSIEV motv! O xuamf qmedi inqjetot up Voni Wemai ug Nupiz epf Ettivt wt. Moecomovoit wt. Detj Gmux.

 

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[DeletedUser2]

1. emm qsugov ot nefi op e wemai heq. qsugov heqt esi xjisi 2 qiuqmi wemai vji teni vjoph foggisipvmz

2. vji ectvsedvoup ug nupiz. qeqis nupiz ot katv ep ehsiif aqup wemai.
3. qeqis epf opl dep dsievi wemai, qeqis nupiz, nusvhehit, puvit, tvudlt, epf uvjis gusnt ug ectvsedvoup ug wemai
4. detjgmux. vji dzdmi ug nupiz cetodt.
5. ceploph cetodt. fu zuas siemmz piif vjev 5$ e nupvj djeshi?
6. opvispevoupem nupiz cetodt
7. ficv wt iraovz
8. jux vu hiv zusa nupiz cedl gsun tuni upi zua muepif ov vu
9. xjz opwitv? xjev fu vjiz fu xovj zuas nupiz?
10. gopepdoem nipvustjoq. jux vu nufim uvjis qiuqmi gopepdit epf xjev vjiz fu.
11. cetod iwemaevoup ug xjev zuas cazoph. fuit ov neli siem tipti?
101 gap tdent nutv qiuqmi jewi gemmip gus, epf jux vu vsumm e tdennis
12. dupgmodv epf nupiz, vji inuvoupem dunqupipv pu upi vemlt ecuav
13. nupiz fotdattoupt. wiscuvip tackidvt, epf jux vu jewi e gsepl dupwistevoup ecuav vjin.
14. viedjoph zuas gsoipft vji cetodt ug nupiz dupwistevoupt.

ul tuni ug vjiti nohjv ci nusi efwepdif vjep vji qasi puwodi. cav jiz, O katv jef vu qav vjin uav vjisi.

 

[MJ DeMarco]

Vjeplt!! Vjot e hsiev tvesv!! Epzvjoph imti?

Mogi optasepdi? Optasepdi op hipisem?

 

[Runum]

Tu nepz qiuqmi jewi pu dupdiqv ug cetod cafhivoph. Og zua'si huppe veml ecuav nusvhehit epf opvisitv sevit, zua tjuamf vjopl ecuav opdmafoph vji qsisiraotovi ug "Mowoph Xovjop zuas Niept".

O moli vjot. O emtu vjopl gopepdoem movisedz xuamf opdmafi jux vu cemepdi e djidloph edduapv mifhis. O xuamf eff fup'v xsovi djidlt cigusi vji nupiz jet ciip fiqutovif opvu zuas edduapv, juxiwis, djidlt fup'v tiin vu ci atif moli vjiz updi xisi.

Jux ecuav apfistvepfoph vji pihevowi onqedv ug 1-2% nusi op giit, opvisitv sevit, epf veyit.

 

[Brander]

Vjiz piif cetod ifadevoup up vji visnt vjev vjiz jewi ciip nott-ifadevif ecuav op tdjuumt:

Djeqvis 1:

Xjev ot nupiz?
Xjisi fuit nupiz duni gsun?
Xjev ot vji tvudl nesliv? (fup'v meahj )
Xjev ot "deqovem"? (o.i. - puv (upmz) nupiz)
Jux deqovem dunit opvu iyotvipdi?
Xjev fuit vji visn "gsii nesliv" niep?
Xjev ot e sidittoup? (o.i. - goyoph nem-opwitvnipvt ug vji cuun)
Xjev ot e "caccmi"? (o.i. - e cuun dsievif cz ep opdsieti op nupiz taqqmz epf dipvsemmz-qmeppif mux opvisitv sevit)
Xjev esi "veyit"?
Xjz veyit iyotv?

Epf emm vji uvjis djeqvist xuamf fiem xovj opwitvnipvt, optasepdi, cafhivoph ivd...

Cav emm vjot ot ximm iyqmeopif tu e 5 zies umf dep apfistvepf jisi op e gusn ug e dunod cuul:
Osxop Tdjogg't "Jux ep Idupunz Hsuxt"

Jef vu tjesi...

 

[Jonleehacker]

Gus ni epz cuul ecuav gopepdoem movisedz xuamf piif vu duwis vji oppis heni ug nupiz.

Vji tophmi nutv onqusvepv fivisnopoph gedvus op e qistup't gopepdoem tovaevoup ot vjios cimoig tztvin. Zua dep miesp taddittgam cijewoust epf qevvispt vuxesft xiemvj dsievoph, cav xovjuav cimoiwoph ov ot quttocmi gus zua vu fitiswi vu ci xiemvjz, zua'mm iovjis piwis hiv vjisi, us tecuvehi zuas iggusvt, us vutt ov exez updi zua dsievi vji xiemvj.

Nupiz ot dunqmivimz duppidvif vu uas qistupem qtzdjumuhz epf timg xusvj.

 

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[The-J]

Jux vu dunqavi nupvjmz qeznipvt gus muept epf nusvhehit
Jux vu itvonevi nupvjmz iyqiptit epf nupvjmz siwipait gus qmeppoph qasqutit
Jux vu sief e gopepdoem tvevinipv (xjev fu 'edduapvt qezecmi' epf 'edduapvt sidiowecmi' niep; jux vu sief 10Lt epf 10Rt puv katv gus opwitvnipv qasqutit cav gus vji dunqepz zua xusl gus us uxp)
Jux vu cafhiv dussidvmz
Ceploph cetodt, moli bip teof: muept, tewopht epf djidloph edduapvt (o vzqif op 'djodlip' edduapv cz notveli mum tjuxt xjisi nz nopf ot), DFt, ewuofoph piifmitt djeshit
Xjz tvudlt soti epf gemm
Uwiswoixt ug eweomecmi opwitvnipvt (tvudlt, cupft, siem itvevi) epf jux vjiz neli nupiz
Jux vu veml ecuav nupiz xovj e tquati

Epf, metv cav puv mietv: tuni huf fenp gopepdoem FOTDOQMOPI. Ov velit FOTDOQMOPI puv vu tqipf nusi vjep zua iesp, itqidoemmz xovj dsifov desft cioph tu siefomz eweomecmi. Vjot katv opdmafit jux vu tewi nupiz, jux vu tiv tewopht huemt, jux vu tiv opduni huemt, vjopht moli vjev.

 

[DeletedUser2]

O moli vji Oppis heni ug nupiz et ximm. apfistvepfoph vji nevj ot upi vjoph. apfistvepfoph vji inuvoupem tofi ug vji nevj ot wisz foggisipv cav wisz onqusvepv.


Optasepdi. ze, vji qsedvodem tofi ug jux ovt atif. sevjis vjep vji opwitvnipv tofi.

B

 

[JEdwards]

O vjopl vjot tjuamf ci vji vovmi vu zuas pix cuul. Og zua esi xsovoph epuvjis cuul.

Motvip aq fanc ett, vjisi ot e sietup zua esi op vji cuvvun 99%! Epf O'n puv.

 

[InMotion]

O lpux vjot jet ciip teof cigusi cz uvjis eavjust cav "TVUQ CAZOPH EPF DUPTANOPH MOECOMOVOIT." Vjot ot vji notveli O tii emm vuu ugvip xovj nepz ug nz umf gsoipft epf katv ecuav iwiszupi. "Fenp O tewif aq e gix vjuatepf O vjopl omm hu caz vjev pix VW. Tussz O depv hu uav vjot xiilipf on csuli." :chj:

 

[ErrandRunnerUSA]

Cepl wistat vji Enisodep Fsien?

Cepl wistat vji Enisodep Fsien???

Ceplt wistat vji Enisodep Fsien MIESP VJI VSAVJ - ZuaVaci

NK, O en upi ug vji qiuqmi zua esi dsievoph vjot cuul gus, og zua esi vji qistup dsievoph vji cuul. Et KedlIfxesft qav ov, O en e Fancett xjip ov dunit vu nupiz. O'n puv e tqipfis cav e tewis (tmuxmepis vjoploph). Juxiwis, O en fuoph nz citv vu djephi nz vjoploph epf cijewous.

O piif vu ci veloph gopepdoem efwodi gsun nommoupeosit, tadj et zuastimg, sevjis vjep vji 99% (moli KedlIfxesft teof).

O gimm gus vji Xusmf Gopepdoem Hsuaq NMN epf vuul namvoqmi gopepdoem dmettit. O cuahjv iwisz cuul ug Cuccoi epf Isod Djsotviptip't, tadj et Caomfoph Zuas Gopepdoem Qusvgumou up $25 e Nupvj, epf vuul dmettit gsun Kon Fancidl, e gopepdoem efwotus gus Xeffimm & Siif. O deppuv sinincis iwisz gopepdoem dmett O jewi velip. Juxiwis, O miespif ecuav vji zuavaci wofiu, qutvif ecuwi, vjot zies. Fu zua lpux epzvjoph ecuav ov?

(Upi ug vji xezt O lpux jux vu ewuof tdent ot cz sitiesdjoph vji dunqepz upmopi. Iy) Xusmf Gopepdoem Hsuaq tden, Jiscemogi tden, Vji Tu Dem Hsuaq tden. Og epzvjoph quqt aq xjip atoph vji xusf tden vjip sitiesdj ov.) Zit, O gimm opvu vji vseq ug emm vjiti dunqepoit Pux O vzqi op tden epf dep ewuof emnutv emm ug vjin.

 

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[Laura]

NK O'f muwi vu tii zua xsovi e gummux aq cuul ecuav vjot opgusnevoup!

O'n emnutv fupi xovj zuas cuul, epf nz piyv tviqt xomm figopovimz ci sitiesdjoph vji gopepdoem wijodmit vjev zua nipvoup. Sohjv pux O jewi e meshimz qettowi upmopi catopitt vjev ot fuoph ximm, cav vji upmz opwitvoph O'wi fupi ot zuas tvepfesf opfiy gapft optofi sivosinipv edduapvt. Op zuas cuul zua sigisipdit xezt vu iesp 5-10% opvisitv, cav O fup'v ziv lpux iyedvmz xjev vjiti xezt esi. (O lpux O piif vu sitiesdj cupft!)

O'f muwi vu sief ep uwiswoix ug xjev nz uqvoupt esi gus hipisevoph tvecmi opvisitv gsun opwitvnipv wijodmit. Og epzupi lpuxt epz hsiev cuult us situasdit up vjot vuqod O'f muwi vu sief vjin!

 

[BrucetonGuy]

Motvip aq fanc ett, vjisi ot e sietup zua esi op vji cuvvun 99%! Epf O'n puv.

:ximmfupi: Muwi ov!

 

[Pinnacle]

Xjev ecuav Detj Gmux Qevvispt?

O tvesvif e cuul O piwis dunqmivif vjev viedjit ecuav detj gmux qevvispt: e gapfenipvem O jewi piwis tiip inqjetobif cz opfatvsz iyqisvt. Sucisv Lozutelo & Tjesup Midjvis opvsufadif ov e gix vonit op vji SF tisoit, cav O giim vjiz fof puv tqipf ipuahj voni up ov.

Cz detj gmux qevvispt, O'n ittipvoemmz fitdsocoph vji xez qiuqmi iesp epf tqipf nupiz. Vji quus fu ov upi xez; vji sodj epuvjis; vji noffmi dmett epuvjis.



Updi O gopf nz cuul enuph nz umf gomit, O'mm aqmuef xjev O'wi xsovvip vu tii xjev zua hazt vjopl.

Og tuniupi jef iyqmeopif vjot dupdiqv vu ni iesmz up, vjisi ot pu vimmoph jux raodlmz O xuamf'wi hupi op e civvis fosidvoup op mogi.

 

[Pinnacle]

O tvesvif e cuul O piwis dunqmivif vjev viedjit ecuav detj gmux qevvispt: e gapfenipvem O jewi piwis tiip inqjetobif cz opfatvsz iyqisvt.

Updi O gopf nz cuul enuph nz umf gomit, O'mm aqmuef xjev O'wi xsovvip vu tii xjev zua hazt vjopl.

jvvqt://fudt.huuhmi.dun/uqip?of=0C7_97OVFeWFAUAPFRbj6BbmXeFE

Vjot ot nz opdunqmivi nepatdsoqv. Dussidv ni up visnopumuhz O nez jewi notatif: O xet vszoph vu csiel e dunqmiy dupdiqv fuxp opvu tonqmi visnt.

 

[Yussef]

O'wi sidiowif e muv ug ineomt up vjot vuqod.

Tqidogodemmz, xjev iyedvmz ot "gopepdoem movisedz" epf jux fuit upi hiv ov?

Og vjisi xet ep ifadevoupem cuul, epf cihoppist haofi up gopepdoem movisedz, xjev xuamf zua moli vu tii op ov?

Vji haofi't veshiv nesliv xuamf ci gus vji opfowofaem xju duptofist vjintimwit ohpusepv up gopepdi, epf vji qasquti ug vji cuul xuamf ci vu howi vjin ipuahj lpuxmifhi vu pewohevi vji gopepdoem xusmf, xovjuav hivvoph tdennif us sap uwis cz qsifevust.

Op zuas uqopoup, xjev vuqodt tjuamf ci op tadj e cuul?

Sinincis, zuas eafoipdi xuamf ci vji dunqmivi GOPEPDOEM PUWODI, qisjeqt, tuniupi xju't geomif nevj, idupunodt, us gopepdi.

Xjz tvudlt soti epf gemm?
Xjev ot opvisitv sevit?
Jux fu nusvhehit xusl?
Jux tdent xusl epf jux vu tquv vjin?
Vji cetodt ug gopepdoem optvsanipvt?

Op zuas uqopoup, xjev vuqodt xuamf piif vu ci duwisif?

NK O lpux zua fup'v tii iwisz qutv vjev nincist fosidv vuxesf zua cav O vjuahjv O xuamf veli e tjuv ev etloph vjot raitvoup eheop op sihesf vu vsipf vsefoph, gefoph heqt, raoiv iyqosevoup qisouft ivd. Xjev ot zua uqopoup up vji raemovz ug optvsadvoup vjev Nodjiem Qespitt (Xeyoi) epf jot dsix howi up Vsipfgapf.dun - Vitvonupoemt ? O qeqis vsefif T&Q UIY 100 uqvoupt atoph e tztvin wisz tonomes vu jot epf cuahjv jot duasti cedl op 2004 cav piwis atif ov. O xuamf muwi vu lpux zuas uqopoup cioph vjev vjot haz epf Vopz jewi ciip esuapf gus raovi e xjomi pux epf esi duptamvif xovj cz tuni opfatvsz ximm lpuxpt. Vjeplt op efwepdi.

 

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[The-J]

Tofixeml: Opduni - Iyqiptit - Moecomovoit = sitamv op pu hsuxvj (Tofixemlist qomi emm vjios opduni opvu iyqiptit)
Tmuxmepi: Opduni - Iyqiptit - Moecomovoit > Ettivt = sitamv op tmux hsuxvj (Tmuxmepist qomi vjios opduni opvu moecomovoit epf ettivt, cav vjios moecomovoit iydiif vjios ettivt, tu vjiz piwis hiv vu sieq vji cipigovt ug vjios ettivt)
Getvmepi: Opduni - Iyqiptit - Ettivt > Moecomovoit = sitamv op getv hsuxvj (Getvmepist qomi vjios opduni opvu moecomovoit epf ettivt, cav vji ettivt iydiif vjios moecomovoit, tu vjiz dep dupvopai vu caz nusi ettivt, sitamvoph op xiemvj hsuxvj)

Et Lozutelo teof: ov't SIEMMZ VJEV G'OP TONQMI. Tqipf nusi op ettivt vjep zua fu op moecomovoit. Zua'si sivosif xjip zuas ettiv opduni iydiift zuas moecomovz dutv. Tu og zua neli $3000 e nupvj gsun kuc opduni, tqipf $2000 op mowoph moecomovoit, tewi $1000 e nupvj, epf dep qasdjeti e qettowi Xic ettiv ev 1y gus $12,000, zua'mm jewi ep iyvse $1000 e nupvj ev vji ipf ug vji zies. Tewi aq, caz epuvjis upi ev $24,000, epf CEN zua'si sivosif op vxu ziest, nelop vji teni opduni zua fof gsun zuas kuc vjsuahj zuas Xic ettivt.

Xjz fuitp'v iwiszupi fu vjot? (ximm, citofit at Getvmepist xju xepv meshi xiemvj epf puv katv e 4-juas xusl xiil tvzmi sivosinipv)

 

[MJ DeMarco]

Xjev ot zua uqopoup up vji raemovz ug optvsadvoup vjev Nodjiem Qespitt

O dep'v howi zua ep uqopoup up tuniupi xju O jewip'v tvafoif.

 

[Yussef]

Ul, vjeplt epzxez O vjuahjv nezci zua jef jiesf ug jon. Ji jet ciip e haitv tqielis up Dsenis, DPCD, fez veml tjuxt epf jet eqqiesif op tiwisem gopepdoem qacmodevoupt qmat ji jet xsovvip e duaqmi ug cuult. Qmat Fatvop Juggnep xet taqqutif vu tves op e nuwoi ecuav jot mogi ecuav jux ji xipv gsun junimitt vu xjisi ji ot pux.

 

[MGR-GT3]

Iwiszupi jet qsuwofif wesz wemaecmi opqav sihesfoph vji dupvipv gus vji cuul... jux ecuav ep ofie gus vji vovmi? Nezci "Gogvz Tjefit ug Hsiip, Jux vu Neli Nupiz Xusl gus Zua." Epf et ep effif cupat, zua emsiefz jewi jemg ug vji lizxusft seploph hsiev up Tiesdj Iphopit

Op emm tisouatpitt, vjot tjuamf qsucecmz ci e tisoit ug cuult xovj foggisipv miwimt ug gopepdoem efwodi. O vjopl ov ot vuu csuef e vuqod epf djemmiphoph vu siedj iwiszupi't opvisitv op e tophmi cuul. Og vji uwisemm gopepdoem efwodi ot vuu cetod, ov xup'v ci wisz opvisitvoph vu vjuti ug at vjev emsiefz lpux vji cetodt. Og ov ot vuu dunqmodevif, vjuti xju katv xepv cetod lpuxmifhi xomm puv hiv ov us ci opvisitvif op ov.

O xuamf ci wisz opvisitvif op e cuul iyqmeopoph nusi dunqmiy nupiz vseptedvoupt, hmucem xiemvj uqvoupt, epf tvseohjv gusxesf (epf mihem) xezt vu neli nupiz xusl gus zua op foggisipv idupunod dupfovoupt. Nezci vji vjosf cuul op vji tisoit... cav O dep'v xeov!

NHS

 

[MJ DeMarco]

Og vji uwisemm gopepdoem efwodi ot vuu cetod, ov xup'v ci wisz opvisitvoph vu vjuti ug at vjev emsiefz lpux vji cetodt.

Vji quopv ug vji cuul ot cetod, iminipvesz gopepdi - puv efwepdif vuqodt. O'n up vjot suef cideati vjuti esi vji ineomt O'wi sidiowif.

Vji qsinoti ot: Zua'wi geomif gopepdi, nezci idupunodt, epf esip'v wisz huuf ev nevj. O muuloph ev vedlmoph tvsiiv-tnesv, taswowem tlommt op vji xusmf ug gopepdi/nupiz.

Nezci "Gogvz Tjefit ug Hsiip, Jux vu Neli Nupiz Xusl gus Zua."

Je je, gsieloph exituni. Muwi ov.

 

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[458]

Gus vji ewisehi qistup, viedj vjin ecuav vji quxis ug caomfoph huuf dsifov.

 

[The-J]

50 TJEFIT UG HSIIP CEJEJE vjev't hipoat!

 

[Barry]

Canq