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Unless you're a rooster you'll want to set your DVR for this one: tomorrow at 3:30 a.m. EST, Turner Classic Movies will be showing The Jolson Story (1946).
While undeniably entertaining, this grand-daddy of bio-pics surpasses its notable template Yankee Doodle Dandy in being almost completely fictional, apart from the very loose outline of Al Jolson's life. As in, almost every main character in what is purported to be Al Jolson's life story NEVER existed. But his old man was a cantor, and he did run away from home as a kid, and he did succeed in show business, and (not unimportantly) those are the songs Jolson is famous for singing, here lip-synced by Larry Parks, who was nominated for an Oscar for this performance.
Jolie was still alive and kicking when this film came out and it helped spur something of a comeback for him in his final years. Jolson's being alive however also meant that audiences were deprived of what ought to have been the film's most entertaining aspect: what an S.O.B. he was.
The film was Columbia's biggest money-maker up until that time. So popular was it in fact that it was re-released in 1954. Here's the trailer:
For more on the real Jolson go here: http://travsd.wordpress.com/2009/05/26/stars-of-vaudeville-14-al-jolson/
For more on show biz history, consult No Applause, Just Throw Money: The Book That Made Vaudeville Famous, available at Amazon, Barnes and Noble, and wherever nutty books are sold.
And don't my new book Chain of Fools: Silent Comedy and Its Legacies from Nickelodeons to Youtube, just released by Bear Manor Media, also available from amazon.com etc etc etc


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India Heron
Photography 3A
This project started out as a want to create cinematic images that conveyed a sense of drama and tension through, lighting of sets and not through the physicality of the emotion being present.
Taking the inspiration from a range of Cinematographers, Geoffrey Simpson, Fabio Cianchetti and John de Borman, I set out with the aim to harness my own cinematic stills using the quality of the films and music videos that have stimulated and shaped me, today, as a photographer.
The idea then came to merge this purely aesthetic idea with that of a topic particularly poignant to myself.
The interest in relationships within a family unit, how they develop as the people grow and the diverse range of emotions that families can inflict upon each other has always had a pull and relevance to me.
To re-create family photos into stills that reflect relationships now, was the main goal at the start of the project, and initially, I wanted to be as accurate as possible with to the original photographs, using only subtle hints at change, through things like the composition of the sitters and of course lighting.
Larry Sultan is one photographer, who achieves this beautifully, in his series pictures from home and Philip Lorca diCorcia another; who, through his style of lighting, gains an air of tension and emotion without any physical strain present.
"As soon as the meaning of an image becomes transmittable, this meaning is liable to become manipulated and transformed."
John Berger
A lot of obstacles appeared in the various stages of the project, creating the images again, in relation to setting, props used and angles, were always going to be a problem as we no longer live in the same house we did when the images were taken.
In looking at the work of the of the cinematographers mentioned, I researched the first part of making the images into possible film stills was the crop.
I wanted the images to mirror the panoramic 16:9 crop from the movies I took inspiration from.
I had experimented with this in a previous brief and the 16:9 edit gave great length to the image, allowing the subject to breathe with the short width giving an inclusive feel for the viewer, this helped lead me in the right direction and confidence in the tone created by using such a crop.
This was the first hurdle, finding locations that offered clean and wide angles.
"They were more like a record of hope and fantasies than of actual events".
Larry Sultan.
I had wanted to keep everything on location and as authentic as possible or as near to the home environment as I could, but there were always control issues. Unusual ceiling heights, room shapes and odd surfaces were the main things I had to battle with. It then became more apparent that I wasn't really interested in re-creating the surroundings but more that I just wanted a clean environment in which to control every aspect of the image in order to portray the most accurate mood.
I did a test shot in the studio for lighting and of course angle, and this proved to be the most beneficial way to conduct the project. I had my clean lines and control, but as with many things something had to give and still the angle was just not as wide as I would like, and was really something I wished to keep.
However, moving the shoot to the studio did mean a more successful way of working, but the issues of transporting and creating a home environment within the college was a lot more work in terms of the planning, more so than just being in a home location.
To combat any potential pit-falls of the project a run through was done with props only, this was done to layout markers of where the lights and camera would sit from shot to shot. This helped greatly to maintain a linear value to the shots and reduce the post-production time of the project. This type of work on the images, although previously outlined in the plan, wasn't of interest to me at all and I aimed to do as much work on camera to avoid this.
The run through I actually gave an interesting turn for the project, I felt the look of the set without people, gave everything a nostalgic uneasy feel to it, which really took the project to where it is now.
I took the view that, I will never be able to re-create 5 year old India again, because that isn't me now, and even me now will change from day to day. The things I could control and that still gave me the sense of change, progression, loss, gain are the material things around me that stir up emotions of the past and still give inspiration to the future.
"We could never have loved the earth so well if we had had no childhood in it"
George Eliot, The Mill on the Floss, 1860
To help ground the images together under one setting, I chose to use the same materials in the basic layout of the sets, a family antique Turkish rug and one back drop, painted using a palette reminiscent of that from films such as "an education", "the piano" and "sleeping beauty".
The set designers from these movies used minimal, dulcet tones from a traditional era to add depth to the stories, these colours also helped to re-enforce the air of nostalgia and dark dream like effect.
"The single most important thing to remember when devising a colour scheme is that colour appears to change, depending on what other colours are seen around it."
Martin Ephson, director Farrow & Ball
When choosing the props, for each set I did so with these aspects in mind. I looked at the colours, texture and obviously connection the objects may have to each frame, this was another task which took a lot of prior planning because of the logistics of moving things to the college, getting it right first time was imperative.
The capture method for the project was originally planned as using the Canon 5D with a 17-44mm lens, which would have given me as close to a panoramic perspective as possible.
The full frame of the Canon 5D, would have given me a good enough amount of detail for the large prints, and practicality of using it on location.
However now the project was running from the studio, I could choose to make full use of the Hassleblad and it's 20MB sensor, with a 80mm lens providing sufficient space for each image.
The more superior sensor proved to give such greater depth and sharpness, allowing me to create the images with the knowledge that they could be given real presence and feeling of participation, without loss of detail.
This was only available to use within the college grounds, and was in much higher demand this year than in previous, so had I to be well organised in every shoot and make every use count.
This was a new medium for me, I had never worked tethered to a computer in order to capture, and the focus ring of the Hassleblad took a while to get used to.
There are still parts of the camera that I have not got fully to grips with mostly the focus, however I feel confident enough that when time is tight with certain projects, where I would like to get similar quality to the like of a 5x4 film camera, I will be more than happy to make full use of the great results from a digital equivalent.
"Words you notice consciously, music is subtler, it can work almost without you noticing it…music and rhythm change the significance of a picture."
John Berger
So the main influence in the development of the mood of my images had always been from looking at the "moving image". Cinemas ability to combine visual beauty with emotional awareness is always enhanced by the introduction of sounds and music, to help tell the story.
Music videos are great for this they take a soundtrack of roughly three minuets and produce enough information for the viewer to become engaged with, but leave out enough for them to be involved in their own creation of feelings about the subject.
The audio aspect of the project is something that I have wanted to try for a while and at the start of the project I had already experimented with sounds and music to create relevant stories to go strengthen certain images.
I used very standard means of doing so; I wanted the sounds to stay quite raw and didn't go into as much detail with the production of them as I had first laid out in my plan.
I used my surroundings as the source of my soundtrack for the images I produced, anything from dripping taps to opening cupboards, telephone messages and a neighbours piano.
The piano played backwards the piano and gave the perfect melody for the sounds to sit on, and to resonate the connection to a sense of re-enactment I played it backwards and it really worked well.
My reasoning for the adding of sounds was to allow people an audio experience when viewing the images, a whole encounter they could connect with again on another level.
With my perfect gallery space to showcase this being in the Turbine hall at Tate Modern, I think it would have been a great success, even the echo from the vast space would have added its own dimension to the experience.
"Nothing that is complete breathes"
Antonio Porchia, Voces, 1943
Like most projects I have undertaken within the last couple of years, I always take on quite a lot, but every year theses projects make me learn more about the craft of photography. In pushing myself, I push my skills further each time, working this way gives me great sense of achievement when I'm learning a new skill that will help me in the future. As all perfectionists do, however, I'm never completely happy with the outcome as it stands.
The prints that I have submitted are not what I would like to see, there are aspects of them that are a bit soft, where they should be defined, the colouring is slightly too muted than were in camera and I only managed to create 3 images, where there is definitely scope for more.
I realise now that I have a series of incomplete images that can always be developed further, given a greater time frame I would continue it.
I do believe this is good thing, and with mistakes can only come confidence in the next. I'd rather know that I have more of the same experiences of growth in photography than to be faced with a wall.
The area that I am getting to be quite proud of more so thanks to this project has to be my lighting skills, they are really becoming the part of photography I like to play around with most, and whenever possible now I try and use studio lighting in any area of my work just to experiment. This is something I would usually have steered clear of before, and felt quite overwhelmed with but I really love the lighting in this project it's exactly what I wanted.
The pressure of creating new environments, which the viewer can experience, is always a rewarding task, I can only hope that this comes across in my images and I can't wait until the next.


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The Stop the Traffik (sic) coalition is using word-of-mouth (or, rather, word-by-email) to get its message out through brief, high impact films aimed at passing on to friends.
The "viral marketing" technique isn't, thank goodness, trying to sell yet more consumer products, but to promote a noble idea and a prcatical campaign. The series of short films [1] can be downloaded and passed on to contacts and colleagues ta the clickof a button.
Incidentally, Traffik will be hosting ext-Tory leader and MP William Hague tomorrow night - answering questions on his biography about Wilberforce and global issues.
The campaign is grassroots, non-partisan and beyond party politics. But it is also trying to draw 'established' politicians into a different form of political dialogue and action.
[1] http://www.stopthetraffik.org/resources/films.aspx
[2] http://del.icio.us/post?url=http://www.ekklesia.co.uk/node/5327;title=People are not for sale
[3] http://digg.com/submit?phase=2&url=http://www.ekklesia.co.uk/node/5327&title=People are not for sale
[4] http://tailrank.com/share/?link_href=http://www.ekklesia.co.uk/node/5327&title=People are not for sale
[5] http://reddit.com/submit?url=http://www.ekklesia.co.uk/node/5327;title=People are not for sale
[6] http://www.newsvine.com/_wine/save?u=http://www.ekklesia.co.uk/node/5327&h=People are not for sale
[7] http://view.nowpublic.com/?src=http://www.ekklesia.co.uk/node/5327
[8] http://www.technorati.com/search/http://www.ekklesia.co.uk/node/5327
[9] http://www.stumbleupon.com/submit?url=http://www.ekklesia.co.uk/node/5327&title=People are not for sale
[10] http://www.facebook.com/sharer.php?u=http://www.ekklesia.co.uk/node/5327
[11] https://twitter.com/share
[12] http://www.ekklesia.co.uk/tags/3141
[13] http://www.ekklesia.co.uk/tags/3142
[14] http://creativecommons.org/licenses/by-nc-nd/2.0/uk/
[15] http://www.ekklesia.co.uk/about/donate


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ContactPublished on - June 4th, 2006 (Modified on - August 18th, 2014) (by Ellen Cannon)
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I started getting a feed to your blog a few weeks ago and I love it.
Your post today sparked some questions I have about debt settlement. It's regarding a situation my mom is in.
She got involved with someone and – long story made short – she now has hundreds of thousands of dollars in credit card debt. This happened about a year ago, and we've been able to eliminate all her secured debts besides her home, but there is still probably about 200k outstanding. In talking with various people about the situation, most of the advice we've been getting has been to wait about 2 years from the accumulation of all the debt to begin trying to settle everything. Do you have any resources you can point me towards or any words of wisdom?
If it sounds overwhelming now, just imagine what it was like when there were 6 vehicle purchases involved in addition to all the credit card debt. And, so you know, it's not anything we can dispute; it was basically a situation where this guy capitalized on my mom's naivety, loneliness, and immaculate credit and max'ed out on everything he possibly could.
Any info you could pass along would be much appreciated.
I checked out my credit reports from the 3 agencies online, and I saw on each of them that Verizon Wireless was a negative marker. My reports say that they "wrote off" approximately $200 for my account. This is not what I remember happening, but I have nothing in writing to confirm this. Verizon let me out of my contract because they misadvertised their coverage area. I was told that they would release me from the cancellation fees because I was assured that my phone would work in my home area. Needless to say, it didn't. I thought I was getting a good deal and have had nothing but good things to say of Verizon because I considered this action to be very honorable. Now, I am extremely frustrated because this is a smear on my credit report, and I don't understand how or why it is there if the information I was given was correct.
What steps do I need to take to ensure this negative report is taken off my report and to make sure this does not happen to me again?
For some reason, my comment in response to a question in the "Current Deals and Contests from Online Banks" post was marked as spam.
What gives?
JD, you MUST see this blog!
I had to share with you an ad that I found while flipping through the June 2008 issue of Smart Money today.
It's a four minute workout machine that ooonly costs $14,615. The website for it is full of outlandish statements like "[the price]…still makes the ROM 4 minute workout the absolute least expensive method of exercise."
It also calls doctors and personal trainers "so called experts."
It's a super entertaining ad and website (http://www.fastexercise.com/) but the full page ad in the center of Smart Money makes me worry that the company is actually selling enough of these to make a large enough profit that it can afford expensive ad space.
I would like you to blog on online high yield savings accounts again. I have had a HORRIBLE experience with WaMu, and I'd really like to hear from you and others about other options. They charged me $10 per transaction after 6, even though they were transactions establishing additional accounts with WaMu, which WaMu encouraged as an option of funding the new accounts. I've paid $20 so far, and I'll pay another $10 on Friday when my check is direct deposited, and probably another $10 at the end of the month when my 2nd monthly paycheck is deposited, plus $10 for ANY other transaction between now and the next billing cycle. I want to scream! Apparently if I had banked in person, these charges would not apply. HELLO!? Are you not an on-line bank? Aren't you advertising the ease of using your account online? Aren't you encouraging use of my current Wamu accounts to fund the new accounts? I feel as though I was tricked by the big, bad bank. I would really be interested to learn about any other online bank with a decent APY and GOOD customer service.
I am VERY disappointed in Wamu, and I recommend GRS readers to avoid them like the plague. This is NOT what they are looking for.
Thought you might be interested in this post for possible future use or ideas.
Hey J.D., I'm an RSS subscriber and lurker here. You may have already come across this article, "A Nation in Debt," in The American Interest at http://www.the-american-interest.com/ai2/article.cfm?Id=458&MId=20. The full article was free when I viewed it this morning, though the rest of the magazine was subscription.
It seems to echo some of the sentiments found on GRS, taking them to the societal level and then into policy.
I had an idea for something you might want to post someday…
I started driving 55 (or less on secondary roads)to save gas. The real payoff has been in less stress and a more pleasant commute. Now, instead of getting annoyed at drivers who go too slowly, cut me off, etc. I just go my pace and they all just go their merry way. Rather like the parting of the Red Sea. Also, there is no stress about looking out for cops to avoid speeding tickets.
I'm trying to lower my monthly cell phone bill. On this blog's recommendation, I e-mailed my provider and asked for a discount. They offered a different calling plan that has the same services that I am currently using, but for less money. After doing some research, I have found that the major cell phone companies all have discounted plans that they do not market. How do we know if we have the lowest cost plan for our usage?
Also, I understand that the major companies will allow you get out of your contract (usually a 2 year commitment) if you can find someone else to 'sign' over your remaining contract time to. Does this really work?
Thought you and your followers would be interested in this financial literacy system for teens that I launched today. The release is pasted below. Would love to send you more info. All the best, Stephen
For Immediate Release
Just in time for graduation gift season, program can keep students from racking up credit card debt and ruining their credit scores
San Francisco, CA (June 10, 2008) — Stephen Epstein, the Student Money Expert™, today launched the first-ever financial literacy program to prevent young adults from racking up credit card debt and ruining their credit. The DollarCamp Financial Survival System™ (www.DollarCamp.com) is specifically designed to teach high school and college students how to control spending, how credit cards work and how to build strong credit scores.
Fifty percent of college students graduate with $5000 or more of high interest credit card debt (Sallie Mae), and nearly one-third of students admit that they were "not at all" or "not very well prepared" for managing their money once they got to college (KeyBank and Harris Interactive).
Through his San Francisco-based company, DollarCamp™, Epstein is doing something about this financial mess through a comprehensive, yet easy-to-understand crash course on financial literacy for high school and college kids.
"Unfortunately, most kids are absolutely clueless about money when they leave home and go to college and into the real world. Students have drug education, sex education and driver's education, but no financial education," said Epstein. "When I went to college, money wasn't real to me, and I was oblivious to my credit score. I saw all my friends treat credit cards like they were free money. I have parents that were very vigilant, and I still managed to screw it up."
After racking up credit card debt in college and in his early twenties, Epstein knew it was time to get his financial house in order. Yet nothing existed to help young adults understand budgeting, credit cards, credit scores and how to stay out of debt. So he consulted dozens of personal finance books and experts, spoke to accountants and certified financial planners. Based on his research, Epstein developed a system that helped him get out of debt and get on the road to great credit and a healthy savings and investment portfolio.
"I wanted to create a way to really get through to kids about money," said Epstein. "Most teens, and adults for that matter, think that learning about personal finance is boring. What we're doing at DollarCamp is exploding that myth."
Decked out as his alter-ego, "Sir Broke-A-Lot," and backed up by the catchy DollarCamp rap theme song, Epstein gave more than 100 packed seminars to California high schools, colleges and parent groups. After such an enthusiastic response from adults and students, he decided to create a system available to everyone.
The Financial Survival System's entertaining three-step program consists of DVDs, illustrated course books, slideshows, audio guides, special reports, and unlimited online phone conference support.
Step 1: The DollarCamp Budgeting SystemTM explains why most budgets fail and shows how to create one that works along with foolproof tools for implementing a budget and tracking spending.
Step 2: The DollarCamp Foundations™ teaches students and parents critical lessons about credit cards and debt while pointing out avoidable money mistakes.
Step 3: The DollarCamp Credit Building System™ teaches students the importance of credit scores, how to build solid credit and how to save a fortune in wasted interest payments.
Through the at-home program, students watch the DVDs and work through the print materials, complete the assignments and join the weekly conference calls with Epstein. Parents enjoy access to the Financial Survival Network™ to collaborate with each other to change the way their kids handle money. Also part of the program, students can take an online exam to become DollarCamp Certified™, proving to parents and potential employers that they are serious about money management and financial literacy.
The DollarCamp Financial Survival System™ costs three payments of $300 or one payment of $837, with 100 percent satisfaction guarantee. It's available exclusively through http://www.DollarCamp.com.
About Stephen Epstein, The Student Money Expert™
Since founding DollarCamp™ in 2006, Epstein has led more than 100 seminars for high school and college students on financial literacy. He is a Certified Educator in Personal Finance™ (CEPF) and co-host of "DollarTalk Radio" on KNBR 1050 AM in San Francisco. Epstein graduated from the University of Southern California with honors in 2003, where he racked up $4,000 in credit card debt, and then worked in real estate development as an analyst. He devised a system that helped him get out of debt and get on the road to great credit and a healthy savings and investment portfolio. Then Epstein developed the Financial Survival System™ to teach others how to control their spending, stay out of credit card debt and build good credit. Epstein, 27, enjoys living well and debt-free in San Francisco.
For more information, visit http://www.dollarcamp.com. To receive a media kit or to set up interviews with Stephen Epstein, please contact Romi Neustadt at firstname.lastname@example.com or 406-579-9947.
# # #
I know many of us are Warren Buffett fans. Its seems he is putting the GRS creed to the test.
JD, you should have some polls on the site. Maybe weekly or something. It'd be a lot of fun to see the average financial profile of a GRS reader. You could have questions like:
Credit Cards:
() Use them
() Use them but hate them
() Don't use them
Currently in Debt:
() $0-$5000
() $5000-$10,000
() …
Average age, amount in your 401k, monthly 401k contributions, number of cars, credit score etc.
So many things it'd be fun to learn!
You could make it anonymous so that no one is bragging or feeling bad. And yeah, it'd be an internet poll, and it'd be on a finance site so the results aren't going to be completely accurate, but they could be interesting none the less.
As a bonus to you, it might help you understand your audience even better…although you seem to do a fine job writing good articles for us anyways.
I'm new to investments and I've been following this site. I'm just a regular working guy who is trying to simply save money for retirement. But, I would like to learn about how the stock marked really works and how if I can down the line get into really investing. I saw a segment on T.V. about a guy who no nothing about investing and now is a serious player in the marked. It sort of made me wonder; why not me. At any rate, if you could suggest any books or other publication besides your wonderful site I would be very grateful
I've read a couple of your articles, and I'd like to thank you for posting such great information on your blog. You make this stuff much easier to understand and a lot less scary for people like me!
I have another variation on the "pay down debt or invest?" question.
I'm a 52 year old single woman with a mortgage debt of about $170,000, interest rate of 5.5%, and, as of a couple months ago, stock/money market/mutual funds (non-IRA/retirement restricted) amounting to about $150,000. I'm extremely concerned (like everyone) about the way the market is going, and, unlike my financial advisor, I am not reasonably confident that the market will recover within the next 20 years. He believes that although values will drop for a little while longer, if I'm not going to retire within five years (ha ha ha), I should keep the stock, etc.
I think I should pay off the mortgage, but I know that I'm unusually pessimistic and extremely risk averse. My home is on 40 acres of farmable land: even if the economy tanks and I lose my job, I can still grow food and raise livestock on the property, but you can't grow tomatoes on mutual funds. ;o)
If I sell the stock, etc., I'll probably have to pay about $10,000 in capital gains and, of course, I won't get a deduction of interest for income tax purposes any more. Another consideration is that the capital gains tax rate is relatively low right now – I would be surprised if it did not go up again, substantially, within the next five years.
I will be spending $1000 a month less, though, without the mortgage (I'll still be paying about $500 a month for insurance and property taxes), and I could be putting that into something safe(r).
I apologize for the disorganization of this message! I hope you decide to consider my question, but even if you don't, thank you for blogging!
I came across your blog about a month ago and in all truthfulness it is my favorite blog.
I started a blog about issues facing Americans and their money. I am writing about gas prices, foreclosures and unusual carpoolers.
I wanted to post something under the Money Merge account thread, but I see that you closed it. I was going to post that my wife and I are going to try this system and post about the results on my blog. I am hoping to share with people how it really works.
Hi JD,
I have been reading for almost a year, really helped me to pay off my credit card debt, yeah! I love your posts and was wondering if you have posted about a ledger book? Now that the debts are paid off, I am focusing more on budgeting and although I use a lot of computer tools (Quicken, PearBudget online, and PearBudget excel spreadsheet) after talking to a friend who said that she prefers the old-fashioned way of jotting receipts down by hand in a ledger book (having kids and not always being able to sit down at the computer uninterrupted). I was interested in trying this way too (I presently have a 17-month old on my lap right now!). Do any other readers have information about this? or have you ever used this? I'd love to hear what you or other readers have discovered on this subject!
Hey J.D. – First let me say thanks for all your hard work at putting together this site! I read it everyday and love the articles you post.
I wanted to draw your attention to a story I heard on NPR on the way home yesterday: http://www.npr.org/templates/story/story.php?storyId=91556654
It's about artists, who have yet to retire, living in New York City and being able to do so on minimal incomes and living frugally. It's an interesting take on how to prioritize the things that are really important for you – for an artist, it's their art.
I was reading the "No credit card" topic and was then curious about using my check/debit card for most purchases other than what rewards I get from my CC, which I pay in full. Can you get suggestions as to the best check/debit card for those day to day purchases that get some sort of bonus? I hate carrying cash around.
Hi! I recently had a look at the Zen Habits blog, specifically your guest post about eliminating debt -> http://zenhabits.net/2008/06/how-i-paid-off-35000-in-debt-and-how-you-can-too/.
I was curious about the subject of credit cards. In the post you suggest eliminated any ties I have to my credit cards. Right now, I'm 18 and I've never had one. My question is, without ever getting a credit card, how would I 'build credit'? (so say, I could get a loan for a house someday)
I love the blog!
I am currently comparing Mint and Wesabe for online finance tools. I was wondering if you have any experience with either? Right now im leaning toward Wesabe due to the fact that account information is stored on my personal computer, not their servers.
I just wanted to know if you had much experience with either, and what you thought about each.
Hi there. I've been reading your blog for more than 6 months now and receive daily updates via RSS. What you've got to say is fantastic and keep up the good work.
There are a couple of things I'd love to see you write about. First, how about addressing the ethics of putting frugal knowledge to use in dealings with others who may not be so knowledgeable? For instance, if people are willing to make poor financial choices, is it ethical to take advantage of that, or is it better to teach them to make better choices?
Second, I haven't seen you discuss using one's investment funds to become a lender, either a micro lender (loaning a few bucks to a 3rd world person to start a business) or lending through some vehicle like Prosper.com. What are the risks, advantages, disadvantages to these systems, do they work, do you know of any success stories? It's something I'm considering, especially considering one could earn significant interest lending through Prosper.
Anyway, like I said, keep up the great work and I look forward to reading you for years to come.
Oprah is giving away Suze Orman's book "Women & Money" on her website for free at the following link (shortened using Snipurl):
I gave the preview link instead of the direct link for those thinking it's some kind of trick.
While the book is targeted towards women I'm sure the tips she provides are good for any man. I haven't yet had a chance to read the book myself, but it is rated very well on Amazon.
Just wanted to share the info with everyone!
Hi there,
Ive been reading your articles for quite some time now, I have a question. I
make about 1700 a month and my wife makes about 800, so combined income is
about 2300 a month. All of our bills are paid and I still have at least a
1000 dollars left over each month, sometimes more. How would you invest this
Great blog! Thank you for all your work. I hope it goes well for you. You have inspired me to start my own blog, "Onwards, Ever Onwards" at blogger.com. I have nowhere near your level of expertise, but your writings have inspired me to get my own down on cyber-paper, as it were.
You focus on the "person" in "personal finance," and that's what makes your blog so unique. Thanks again,
Has anyone bought the "Top 10 work from home" package advertised on this site? What were your results?
Here's a situation I would like your (or your reader's) thoughts on.
When people talk about spending less than they earn (good advice, of course), what do you count as "spending"? Obviously bills/expenses/payments to others count as spending… but what about savings? Is retirement savings (401K, Roth IRA) "spending"? For instance, if you put $1000/month into each spouses' retirement fund, is that savings? I treat it like a bill in my head (so that it gets paid every month), but if I wanted to make a graph of income v. expenses, should I count it as an expense?
To some degree, it's overthinking to care, I suppose – we're lucky to be able to save so much – but I often don't keep a lot of cash on hand because of large contributions… that leaves me feeling stretched and as if I'm "spending" too much — when really, I'm saving a lot!
This isn't formulated so well. It's just a thought I had after I read this entry on another blog:
Spending would be money that you give away, not money that you keep. Money that goes to savings, retirement is still yours. Treat it like a bill for your own mind game in commiting to it, but it isn't spending because you still have it.
Hi! With oil prices going up and the US economy going down, how what would you recommend to prepare for the short (now-3 years) and long term (3-8 years)?
I'm currently employed so my income is from a salary and i'm single and I have house payments to make.
Would appreciate advice on disposable income in an economic crisis period like this.
Thanks and keep this site going! Its great resource
Hi JD! Really enjoy GRS and am turning my husband on to it as well.
Would you consider titling your daily posts with a hint to its contents (ie. Get Rich Slowly: Financial Success Stories), so that I can better identify specific emails within my archived GRS email folder?
Thank you!
I am wondering if you know of an online
calculator that will show how much money can be saved by paying more each month to one's mortgage. I've seen a couple that already have certain values and interest rated set, but I'd like to find one that allows the user to enter their own data.
thanks so much,
thought you might get a kick out of this comic about investing wisely… http://www.geekculture.com/joyoftech/joyarchives/1125.html
Your website is used in this article: http://www.hbindependent.com/articles/2008/07/10/blogs_and_columns/incidentally/hbi-cindy071008.txt
Your site is fantastic. I have a question regarding 401k rebalancing. At the beginning of this year, I rebalanced my 401k and selected a few new funds which total about 5 now. I have rethought my strategy after finally trying to take care of my finances, and actually coming up with a plan other than "willy-nilly" picking funds.
Since the market is doing so poorly, and some of the funds are down significantly (as many are), is it wrong for me to rebalance and change investments to take on my new, actual plan for retirement? Or should I stay where they are until the end of the year?
Just curious if you have any thoughts.
Yo JD. I love your site. its my favorite finance blog because you deliver good stuff a good handful of times a week.
I think im doing good financially, i just screwed up with my first credit card and got hit with a late fee (payed on the due date. didnt get processed til the day after. late fee city!!!) Other than that and im mostly good for a kid going to a commuter school.
I really want to say thanks and you got me hooked.
Here is a different take on what's become the token phrase "save money by buying a late model used car"
Here's another Get Rich Quick Quack doing the rounds, Roger Hamilton and the XL Results Foundation Scam.
Have you done any research into investing in European banks and funds? If so, do you recommend putting my US dollars into a European bank. If so, suggestions on which ones? Or who do you think I can talk to about this?
JD, just read your post on Back to Basics and you mentioned you and Kris are interested in aspects of Urban Homesteading. Have you checked out http://pathtofreedom.com?
It is amazing what this family is doing with their lot in the city. I've been following them for a couple of years now.
Hey J.D. hope you had an enjoyable weekend! I think your readers might be interested in a post about Upromise. I have been using the service in conjunction with a friend's account (since I don't have kids or young relatives) and I have found it to be a great way to help save for college. I wrote my own review: http://letsblogmoney.com/2008/07/18/worried-about-the-rising-cost-of-a-college-education-discover-upromise/ and think your own readers could benefit from a review of your own as well. Take care.
I have had a FNBO account for some time now. You have their current rate as 3.25% but it is actually 3.50%. When I opened the account it had a promotional rate of 6% which was great — but even now the rate is higher than most. It takes a little more time to transfer funds into my checking account so I have left some in my ING account (which has a lower rate) in case I need to transfer quickly. Both ING and FNBO are good — but why not get the higher rate at FNBO.
Hi. I would like to know how you decide on who you let guest post. I work for ETF MarketPro (www.etfmarketpro.com) and we are specifically focused on educating consumers on ETFs. Please let me know if we can schedule a time to speak or if you are interested.
Hi JD. I love reading GRS. Although I don't read Get Fit Slowly I routing for you on that. I recently lost thirty pounds through exercise (30-50 miles of running a week on top of moderate amount of walking). It takes time and it's hard at first but it is very much worth it. I just feel freer within my own body.
I find a lot of things relevant in your articles despite the fact that I'm 21, live in a very urban area, and have never had debt. You have universal good advice.
I have two comments/suggestions. One, If you ever get the chance to go to an Aldi (a discount grocery store), please go and review it. I'd be interested in hearing your thoughts. It's a different kind of place – like a discount TJs. Two, If you could have more posts on GRS-ing in an urban environment, I'd appreciate it. I know it's best to write what you know, but some things ways of living frugally just don't apply in a city, while there's a wealth of other resources not available to those in an suburban or even rural environment.
I just got an ad from Capital One in my email inbox. I have a card with them that has been empty for about 18 months. I thought I would share the ad with you:
Subject: Share Your Spending Power with Your Loved Ones
Adding your loved ones as authorized users to your account is an easy way to cover their everyday needs like textbooks, school activities, gas, car repairs—even a morning coffee.
Authorized users share your existing account, but they get their own card to use when they need it. And, you get everything you need to manage your account efficiently:
• All transactions on a single monthly billing statement
• Online access to your account to track activity any time
• Peace of mind knowing that your loved ones have access to credit 24/7
You can add up to five authorized users to your account [...]
Thanks for all you do,
Hi JD – big fan of the blog & I have a first time question for you.
I'm 37 and have just been told I will be laid off at the end of August. I have been in the tv industry for 14 years – same company that entire time. In terms of health insurance – what should I do now to make sure I'm covered without breaking the bank? Cobra will cost me $450 a month! Seems steep – what other options should I be looking into? Thanks for any advice!
sb in Seattle
I've read in some of your posts and the many subsequent comments that there's a huge emotional component to personal finance. I know this isn't a site for counseling, but since compulsive spending is a big issue keeping people (myself included) from saving, I thought I'd share something that's been helping me for the past couple of years. It's called The Work, and it gently guides you to analyze the beliefs that upset you and compel you to thoughtlessly spend more than your budget allows.
Might help someone. Good luck.
I would encourage you to do an entry on "commingled funds." I notice that many 401K plans seem to offer these in place of mutual funds but fail to really explain the difference.
The basic difference, as I understand it, is that the commingled funds are simply a shared account from which a manager engages in investment activity as opposed to being a registered mutual fund. This should, in theory, keep costs lower since no advertising of the fund is required.
There seems to be a real transparency problem since these funds are named similar to mutual funds offered by the same companies. I'm thinking specifically of the SSgA commingled funds which go by the name "Life Solutions." It wasn't until today that I figured out the mutual funds carried under the same name are not the same thing as the commingled fund offered by my employer's 401k plan. This means its impossible track the performance of these funds without the aid of statements from the fund manager.
This article discusses the recent phenomenon of commingled funds taking the place of mutual funds:
Perhaps you could do a post on this issue and get a discussion going. I'd be curious to know what others think.
Do you have any familiarity with these funds?
Feel free to email me.
Hi JD,
Have been following you in the RSS – great blog and lots of good tips.
We are launching a project called "Open Car Price" that might be of great interest to your readers.
OpenCarPrice.com is a project that utilizes the "wisdom of crowd" to build a database of "actual paid prices" for new cars, based on sales records submitted by people who recently bought new cars. See an example of data here: http://www.opencarprice.com/example.php
Such a detailed database has never existed before. It can help consumers save hundreds or even thousands of $$$ in price negotiation
I include a quick overview below and more info can be found at http://www.OpencarPrice.com/faqs.html
I would appreciate if you can introduce this project to your readers.
Thank you very much!
Frank Wang
What is OpenCarPrice.com?
Have you ever wonder about this question: "why do people pay widely different prices for identical cars"?
The answer is quite simple: a consumer has no way of finding out what other people have paid for similar cars. This lack of price transparency gives car dealers to sell each and every car through a bargaining process that is more like haggling in an Egyptian Market. Facing a blizzard of negotiating tactics from car salesmen, nice people often got bad deals.
According to NADA, identical cars may be sold for prices that vary by hundreds, or even thousands of dollars, depending on buyer's knowledge and negotiation skills.
OpenCarPrice.com has launched a project that tackles this problem with a unique approach: to use "crowdsourcing" to collect "actual paid price" data that car dealers would never share with you!
Car shoppers have submitted thousands of detailed sales records for new-cars that they recently bought. It is a good example of how the Internet and the collective knowledge of the "crowds" can do amazing things that otherwise difficult to do!
Armed with those sales records, consumers are much strong negotiation positions to get the same deals that other savvy car shoppers have managed to get. Car shopping also becomes a lot simpler – showing up with sales records of similar cars is often enough to make the dealers settle quickly without playing the "games" of negotiation.
Additional info about OpenCarPrice.com can be found at http://opencarprice.com/faqs.html
I've been following your blog for about six months now (since committing to getting my own financial house in order) and it's my favorite PF site…
I wonder if I've missed a post about the credit card reform bill now under consideration at the Federal Reserve Board, #Docket No. R-1314?
The rules propose curtailing abusive credit card practices, the same practices that, along with predatory lending in the housing market have contributed to so many folks being in financial hell right now.
I hope that you'll pass this information along to your readers… we only have until August 4th to speak on passing these reforms. The rules include:
Stop companies from hiking interest rates on existing balances (unless you pay 30 days late).
Stop them from applying your monthly payment to low-interest debt first.
Give you time between the bill and the due date so you can always pay on time.
Stop interest charges on debts paid off the previous month.
The credit card companies are going to be fighting this with everything they've got; the more of us that support the bill, the better the chances of it passing.
People can take action:
Visit http://creditcardreform.org/, a Web site maintained by Consumers Union, and tell your story in the box provided. (Consumers Union is the organization that publishes Consumer Reports.)
Visit the Federal Reserve's comment site and scroll down to "Regulation AA – Unfair or Deceptive Acts or Practices (R-1314)."
E-mail firstname.lastname@example.com, and type "Docket No. R-1314″ in the subject line.
Send a fax to 202-452-3819 or 202-452-3102, with "Docket No. R-1314″ at the top of your letter.
Send a letter by snail mail to Jennifer J. Johnson, Secretary, Board of Governors of the Federal Reserve System, 20th St. and Constitution Ave. N.W., Washington, DC 20551. Again, include "Docket No. R-1314″ on the top of your letter.
Thank you, JD, for all your hard work in creating and maintaining this blog!


text:
R.o.t.G. The Dreamer Chapter 1.Description:Skyler was your typical nine-year-old, with an open mind, large imagination, and a strong faith in your holiday idols: The Guardians. But she was different; her dreams would always come true; literally. But of course, who would believe a nine-year-old child?But on a stormy winter night, a blizzard abruptly hit and her parents' car swerved off the road and crashed into a frozen lake. No one survived that crash.But she did. And she doesn't know why.But she does know something
or someone saved her.Now 5 years later, she's now 14 and starting high school, and the memory of her savior has long been lost.But now as her 15th birthday nears, she has been having the same dream every night about a frost covered boy with white hair. She knows she's seen him before.But never did she think she would meet him.Pitch Black has returned after 2 years with new powers, but stronger, and hungrier for revenge, but he's not just targeting the children; he's targeting everyone. Jack Frost
R.o.t.G. The Dreamer Chapter 3.It was a bright sunny day in the town of Burgess; the ice and snow covered the roofs and sidewalks, and icicles dripped continuously from their perches. The children played and laughed as they did their normal snow-day activities. But only two had detached themselves from the main group and were standing on the top of the tallest snow-covered hill."Jamie
are you sure this is safe?" the 13-year-old turned to her friend; Jamie grinned and turned to her, "Sure it's safe! I wouldn't take you here if it wasn't." the girl shifted uneasily in her large winter boots, her huddled frame retreated in her thin, blue, winter coat like a turtle, making her even smaller next to Jamie."But last I heard, you slipped down the hill into the street, and lost a tooth after you crashed." She said, raising her dark eyebrows. Jamie bit his lip and turned his eyes away from her, "That
wasn't my fault." He said quickly."Then whose fault was it?" she said crossing her arms. Jamie shrugged, "A sliding couch."
R.o.t.G. The Dreamer Chapter 4.Jack blanked out and he found himself in void like darkness, and across from him was none other than the Nightmare King.'Pitch
I know you're the one doing this
leave her alone! She's just a kid!''Hehehe
I'm not the one doing this. She brought this upon herself. I'm just 'assisting' with her panic.''Don't play coy, the ice break when I'm around!''Well then perhaps it is you who caused this.''What
?''Your powers might be weakening. Or possibly
I might be getting stronger. Think about it, Jack.'And with that the darkness disappeared along with the Boogeyman, time began to speed up, and Jack found himself in the same situation he was in before. He looked over at a panicked Jamie who was looking back at him with pleading eyes."Jack! You gotta help her, or else she's going to fall in!" Jamie yelled, Jack looked up at the sinking girl, and back to Jamie.What if she doesn't see me
I can't help her if she can't
and I can't freeze over the pond again with her in the middle
He c
R.o.t.G. the Dreamer DescriptionDescription:Skyler was your typical nine-year-old, with an open mind, large imagination, and a strong faith in your holiday idols: The Guardians. But she was different; her dreams would always come true; literally. every dream she had always happened in the future. But of course, who would believe a nine-year-old child had this gift?But on a stormy winter night, a blizzard abruptly hit, and her parents' car swerved off the road and crashed into a frozen lake. No one survived that crash.But she did. And she doesn't know why.But she does know something
or someone saved her.Now 5 years later, she's now 13 and starting high school, and the memory of her savior has long been lost.But now as her 14th birthday nears, she has been having the same dream every night about a frost covered boy with white hair. She knows she's seen him before.But never did she think she would meet him.Pitch Black has returned with new powers, but stronger, and hungrier for revenge, but he's not just
R.o.t.G. The Dreamer Chapter 6.Darkness fell in the endless caverns and caves of the Boogeyman's lair. The cold chill of winter had long set in every crevice of the all scrap metal and dead stone that cluttered the place. Frost covered every cold, flat, surface it could find.The metal cages dangled lifelessly by their thick chains; making low groaning sounds as they swayed ever so slightly against every invisible breeze.In the center of the dead cave; Pitch stood stoically, his demeanor as 'high and mighty' as ever, in front of his black metal globe, in which its dark appearance was conquered by the lights of all the children that believed in the world. They twinkled like the endless stars in the night sky, some going out, and being replaced with new ones. Their numbers had grown considerably; as hope, wonder, memories, fun, and sweet dreams flourished through the children's lives
It sickened him.He glared at the lights with utter distain, his dead, silver-golden, yellow eyes burning through the globe with irrit
R.o.t.G. The Dreamer Chapter 7."Great. She's out again
just wonderful." Jack said throwing his arms up in the air exasperatedly. North smiled thoughtfully."She looks exactly how I picture her
" North said in thoughtful awe, "Oh
" Tooth said covering her mouth with astonished excitement. The girl laying half-way in the sack looked to be about 13 or 14-years-old, with olive skin, round cheek bones, a slightly round nose, small rosy lips, thick, black hair which cascaded down her shoulders in wavy locks, and almond shaped brown eyes which were peacefully closed with sleep.Tooth flew over to the unconscious girl and lightly moved a strand of hair out of her face to reveal her bandaged bruise. "Poor thing
she must be exhausted
" she looked down at her sadly.Jack stood up and rubbed his jaw, "Well her fist didn't seem to be
" he murmured.Bunnymund hopped over to the sleeping girl and gently picked her up in his furry arms, "Careful, Bunny
" Tooth said, "I know, I know, I've got 'er.""What took you so long?" N
R.o.t.G. The Dreamer Chapter 5."Oh no
" Jack said squeezing his eyes shut and scrunching up his face, internally cursing himself. Skyler stared at the three of them, eyes wide with shock and disbelief, and her mouth hanging open. Bunnymund's eyes darted around nervously, as did Sandy; trying to figure out what to do."What the
?" Skyler started, looking confused. Bunnymund leaned towards Jack, his eyes stayed on the girl in front of them, and whispered out of the corner of his mouth, "Hey mate; can she see us
?" Jack pursed his lips nervously and nodded, "E-e-e-y-u-p
" he said through his teeth, Sandy shrugged and his eyes motioned towards the girl in the bed. "Oh
Crikey, now what are we going to do
?" Bunny grumbled.Skyler's flashlight slipped from her grip, but quickly regained her grip on it as she pointed it at her three visitors. The light landed on Bunny, "Wha
the Easter Bunny
?" Bunny chuckled nervously, she moved the light over to Sandy, "And you're
the Sandman?" Sandy smiled and gave a small nod, his
RotG The Dreamer Chapter 16Skyler P.o.V. I scribbled furiously in my sketchbook, a slight scowl twisting my features; I pushed my green framed glasses up my nose as they began to slide down, I wore my blue zip-up sweatshirt, jeans and snow boots, and my thick black hair was back in a messy bun . I don't when I started drawing, but I found myself sketching a scene of the argument Jack and I had two days ago. I haven't talked to him since then. I blew a strand of loose hair out of my face. And I want to keep it that way; I was so mad at him it was ridiculous! I don't want to be anywhere near that notorious, blockheaded, trickster—! "Skyler? Skyler are you listening?" My hand immediately stopped scribbling the scene, and I looked up to see North giving me a concerned expression. I looked down at my drawing and saw that my hand was covered in graphite residue, which only happens when I draw for a really long time. But it was worse than any
RotG The Dreamer Chapter 8She felt like she was reliving a memory, more than a nightmare
She was wearing a long, old fashioned dress, which was torn at the ends, and leather lace up boots, which were covered in grime and snow.She was running so fast that her mind couldn't process all the images she was seeing in front of her; the trees were nothing but dark, green and brown blurs rushing past her, and her dress skirts were getting snagged on every root, bush, and twig it brushed by. But she didn't care.They were catching up to her.She could hear them jumping through the tall ever greens, branch by branch. They were 50 feet above her, yet their howls and snarls sounded as if they were right next to her.They were after her.They only wanted her.She was exhausted, but she kept running. She couldn't stop.But no matter how fast she went, no matter how far she went, they would always catch up to her.And they would get her.She didn't know why they wanted her, or what they would do to her if they did get her,
Jack FrostXReader~Part Three You awoke feeling freezing cold the next morning. You thought for a moment that Jack had made it so, but in all reality you had just left the window open when you had crawled back inside. You stayed there for a minute under your warm covers, not willing to face the chilling air that it protected you from. Yet, you eventually had to get up and close the window or else it would simply make the room worse. Taking a deep breath, you threw off your covers. The cold blast hit you hard but you pressed onward to the source of this awful temperature. You noticed that there was a thick layer of frost covering the glass, and it only further reminded you of last night. You shook your head and shut the window tight, being sure to lock it. After a quick hot shower, you went downstairs into your kitchen. You were about to grab a bowl when you realized that you had forgotten to do the dishes like your mother had asked you to! You quickly turned on the sink and began to rinse away the tough food sta
Jack FrostXReader~Part Two "(Your name), you found him. You found Jack." The white haired boy smiled at your sister and she smiled right back. "I don't care who he is, I don't want you near him," You said quickly. "But-" She started. "It's okay (sister's name), what do you say we show her a little winter fun?" The boy said with a smirk rewarded with several nods and a giggle from your sister. He jumped out of the tree and landed on the ground with surprising ease. In fact, he almost seemed to float down. "No, you stay away from us," You said, pointing the stick at him. It wasn't much to defend yourself against the unusual creeper, but it would have to do. However, you were no fighting master, and he swiftly took your wrists in both hands with no problem. Cold seemed to emit from his very skin and it traveled up your arm, causing you to stop squirming. "L-Let go of me!" You said through your now chattering teeth. Why were his hands so cold? "Oh, but we haven't even started to have fun yet!" He s
A Frozen Memory 3 Jack FrostxReaderCrouched on your bed was thee Jack Frost. Your eyes wander over him, making sure this was real. He just gave you the same goofy smile. A really beautiful smile actually.. But finally it hits you. Why in the world was this guy in your house? And how did he get in here? You couldnt help but to scream, a natural reaction. Jack tried calming you down. He put his cold hand to your mouth; You relaxed with his touch. He chuckled slightly as he stared at you. You stretch again and get up from your cozy bed."Hey Jack?" you blurted out. He looked up at you eagerly."Could you-ah- maybe l-leave for a second?" you asked polietly. His face looked like a kicked puppy. You felt bad but he did need to get out for a quick second."Wwwwwhhhyy? I came all this way to see you." he moaned."Well your going to see more then Id like if you stick in here." you reply. You turn around, grabbing fresh clothes from the drawer. Jack pieced the puzzle together and walked out. Taking a quick peek to make sure he wa
Jack Frost X Reader- How Could I Forget? - Part 4Jack Frost X Reader- How Could I Forget-Part 4You and Jack were sitting on your bed talking to each other and it was the middle of the night. You were talking about the best and most embarrassing moments in your life."I remember one time when I was young, I got lost in a shop. I couldn't find my mum and I was screaming the place down" You explain as Jack laughs."I also remember when I was at the beach and a crab pinched me" You said as you showed him a scar on your leg from where the crab had pinched you."What about you?""Well, I don't have much memories" he said glumly"Why not? You've lived for over 300 years, haven't you? You must have tons of memories!""Yes but I had no-one to share them with, then I met you which was probably the most happiest day of my life."You smiled, blushing a little bit."Before I became...'me' I had a little sister I used to play with. She was younger than me so I would always had to look out for her. One time when it was snowy we went to a frozen la
Not Just A Myth - Jack Frost x Reader Chapter 4Chapter 4: New house, New roomsAs soon as you stepped inside of your new home, the warmth wrapped around you like a blanket, most of the boxes were gone, which must have meant they got most of the house sorted, you must have been gone a while, you went into your kitchen (the only room you knew at the moment) and saw your mum cooking dinner, she must have heard you come in because she turned round to face you from the stove."_______!, there you are! i was beginning to get worried, have fun in the snow?"You nodded and smiled, you couldn't really tell her much, especially the fact you met Jack Frost! she would think you were crazy!"Yeah mum, it was great, I made a few friends" she smiled at you"That's nice, why don't you go and look around the house while i'm cooking the dinner? try to guess which ones your room..." you grinned at her"Okay! see you later!" you replied as you walked out of the kitchen, you roamed round the house, finding what was where, then it came to your ro
R.o.t.G. The Dreamer Chapter 2."Are you sure about this Jack? Do you want one of us to come with you?" Tooth asked. Jack tugged on his sweatshirt and grabbed his staff. Jack had a mission, and this was the most important thing he has ever done in his life. He turned to Tooth who looked worriedly at him, her wings buzzing a little faster. He smiled at her, "I'll be fine, I've been doing stuff like this for a while now; I know what I'm doing." He slung his staff over his shoulder and began to walk back to the others."B-but I mean
considering the circumstances of the situation, wouldn't it be wise to have someone, or a partner
?" Jack stopped and turned to her, slightly exasperated, "Tooth seriously, I've been going solo for a long time now, I think I know how to handle myself." He continued walking as Tooth slowly hovered behind him unsurely. Baby Tooth hovered by her leader's shoulder and saw the sad look in her eyes, Tooth could feel her stare, "I'm just fine Baby, no need to fret." She said, feigning her beaming s
Haven't held a
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this year… so,
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winners in total
-◊ 1st place:
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this journalAlthough
appreciated, it i...
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Hey everyone~!
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fav and comment on
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text: Comments on: This time, John Boehner should honor transparency pledge Back to the article » Examiner Editorial • | January 3, 2013 | 12:00 am Shortly after Ohio Republican John Boehner was re-elected speaker of the House of Representatives, and the 113th Congress was sworn in Thursday, the House approved rules for its new session. As with the last Congress, the rules include a requirement that all legislation be made public at least three days before a vote. This was a great idea when it was first adopted, but we urge House... Web URL: http://washingtonexaminer.com/article/2517504 Share this article on Facebook or Twitter Print this article


text:
F.G. Parmentier Music Collection
Francis Gordon Parmentier ( 1923 - 2008)
Francis Gordon Parmentier, composer and native
of Green Bay, who attended St. Norbert College. Parmentier served in the military in France during World War II. After completing his military service, he attended the Sorbonne Conservatory of Music in Paris and received an advanced degree in music composition.
Check out the St. Norbert College Parmentier Exhibit at
View the items in F.G. Parmentier Music Collection
Items in the F.G. Parmentier Music Collection Collection
Lazar: An Opera in Three Acts
Nine copies of "Lazar" (an opera in three acts). One is a personal copy that includes notes on the list of characters, the choruses, and orchestra. It also has markings for changes/corrections. Another is labeled 'My Copy.'
Lazar: Act I
Two copies of Act I of "Lazar."
Lazar: Act II
One copy of Act II of "Lazar."
Excerpts from Lazar Opera
Various excerpts from "Lazar."
Lazar Reduction Score Envelope
- One copy of "Lazar" located in envelope labeled 'Lazar Reduction Score.' However, pages one and two are missing.
- Original cover art for "Lazar" included.
- The part of a letter addressed to Gordon and dated February 12, 1992 was found…
- Original cover art for "Lazar" included.
- The part of a letter addressed to Gordon and dated February 12, 1992 was found…


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The Atlanta Fire Department honored the city's first African-American firefighters at a ceremony on Monday. This marks the 50th anniversary of integration at the Atlanta Fire Rescue Department.Back in 1963, 16 African-Americans were assigned to Fire Station 16. That station still stands as a symbol of the historic event.The hiring of African-American firefighters was Atlanta's first step toward full integration of the city's workforce.
KTTV FOX 111999 S. Bundy Dr.Los Angeles CA 90025Main: (310) 584-2000News Tips? (310) 584-2025


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The members of the Devil's Brigade, the popular name for the First Special Service Force, were true heroes during World Ward II. It was a joint American-Canadian unit that trained in Montana and was deployed to some of the most dangerous locations during the war.
These tough, rugged, daring men, many of whom came from Wyoming and Montana, scaled mountains, undertook risky parachute landings and fought against Axis forces in numerous locations, often in winter conditions or in the face of superior numbers.
Many died or were wounded, but more came home to go back to work, raise families and become valued members of their communities. Only about 180 remain alive now.
Their deeds have been celebrated in books and movies, and historians have chronicled the real-life adventures of these highly trained, risk-loving men. Forget about John Wayne and other celluloid heroes; the Devil's Brigade was all too real, as the enemies they faced found out.
Those Devils well earned their awards and acclaim.
Wyoming paid tribute to its WWII veterans with six honor flights to the nation's capital from 2009-2011. Larry Barttelbort, director of the Wyoming Veterans Commission, said 650 heroes boarded those flights.
It's puzzling why such an honor as a Congressional Gold Medal for the Devil's Brigade has taken this long, and why Congress doesn't pass it as swiftly as it has other bills, including those that impact their air travel on weekends.
But let's not quibble at this late date, especially today, June 6, the 69th anniversary of D-Day, the battle that turned WWII. Pass the bill and salute these brave warriors while there are still some around to hear the news.
The death of Sen. Frank R. Lautenberg, D-N.J., on Monday illustrates the continued passing of the men and women who served during the greatest and most horrific war in world history.
Lautenberg was 89. His death was not unexpected, but following the death of Sen. Daniel Inouye, D-Hawaii, late last year, it meant that none of the 115 World War II veterans who continued to serve in the Senate remain in office.
The Greatest Generation, as they have been dubbed for surviving the Great Depression and World War II, is slipping from us.
There still are more than 1 million living veterans of the war, including fewer than 3,000 in Wyoming. Bill White, 98, of Powell, is among those old soldiers who honor us with their presence.
They are answering the final call to assembly at a steady pace. The Veterans Administration says about 680 WWII veterans die each day.
These are the men and women in uniform who saved the world from ruthless dictators and violent ideologies that threatened the very core of human existence.
A gold medal for the Devil's Brigade sounds like a very fitting tribute, albeit one long overdue.


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What happened in LCF 10-20-30 years ago?
Story | Jun 8, 2011 | 1:16 PM
What happened in LCF 10-20-30 years ago?
Story | Jun 8, 2011 | 1:16 PM
National Weather Service Confirms Third Tornado
Story | May 27, 2011 | 3:26 PM
Trout and catfish plants for Southern California and Eastern Sierra during the week beginning May 9
Story | May 8, 2011 | 4:35 PM
Barring adverse weather, water or road conditions, the following is a list of Southern California and Eastern Sierra waters, listed by county, that will be stocked with rainbow trout or channel catfish throughout the week of May 9 by the...
April 25 buzz: Sugar detox, same-sex marriage, online poker
Story | Apr 25, 2011 | 4:35 PM
Most viewed: 40 days, 40 nights, no sugar As we continue indulging in chocolate bunnies and marshmallow Peeps in the name of Easter, so too do people keep coming to Diana Wagman's Friday Op-Ed article about how spirituality helped her...


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Reading Club For students 4-6 years with parent/significant adult
Study Skills and Reading Comprehension Class For students 7th-11th grade
Writing Skills Class For grades 6th-8th grade
The Reading Center provides the Gold Standard of Orton-Gillingham Training. Trainees come to us from all over the world for our high quality, intensive training. Click here to see where in the world our trainees came from for Summer Basic Institute 2013.
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The Reading Center is providing expert instruction for struggling readers! Paula Rome and Jean Osman founded the Reading Center in 1951 in Rochester,MN. Click here to learn more See videos and photos about The Reading Center
Dyslexia Dash Join us in a Fun 5k Run, plus a Children s 1 mile walk on October 11, 2014 to help raise funds for scholarships and critical Reading Center Programs. Click here for more information.
Dyslexia Dash Registration Join us in a Fun 5k Run, plus a Children's 1 mile walk on October 11, 2014.
Help raise funds for scholarships and critical Reading Center Programs. Click here for more information. If you can't join the Dash but still want to contribute, click here to Donate instead of Dash.
Successful Adults with Dyslexia Panel Discussion Registration on Tuesday, October, 7th at 7pm at Charter House. Hear the personal stories of four successful adults in our community that worked through the challenges of having dyslexia. Event is free but registration is requested. Click here for more information.
Walk in My Shoes: An Interactive Dyslexia Simulation Registration on Tuesday, October 21 at 7 pm at Premier Bank, NE Rochester. Participate in this high impact, hands-on workshop to experience some of the feelings and frustrations that people with dyslexia live with everyday. Registration is required. Suitable for teens and adults. Click here for more information.
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My stay in Cape town is over and I am a bit sad to leave this beautiful place, but I know for sure I will be back.I had a lot of good days kiting in the waves and also it was fun to see Cape town and the places around.
Cape Town was a really nice city and you can find everything there.. Markets, shopping centers, parks to go for a picnic, parties, nice restaurants, etc. Also it's the place to do all the water sports you want…Kite, windsurf, surf, SUP, body board, cable park…you name it
If you are planing a trip to Cape Town the only thing I can say is that I had the best time I think the best time to go is from December to March but the locals also say it can work all year around.
Here is a small move that I made. Its a movie from Italy, Norway and Cape Town. Hope you like it
Source: Ozone Kites
From Kari Schibevaag


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A 14-year-old won an essay contest and will share the inauguration stage with Governor Beshear.
Click here to read the full story.
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Government Deficits, Liquidity Preference, and Schumpeterian Innovation
AbstractWray asserts that rigorous analyses of the role played by innovation in economic development must acknowledge the contribution of Joseph Schumpeter. However, the author suggests that the current stagnation confronting most developed, capitalist economies "cannot be understood without synthesizing Schumpeter's insights with those of Kalecki and Keynes." Hence, Schumpeter's work alone is inadequate in explaining the links between government deficits in ensuring aggregate demand and corporate profits.
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Bibliographic InfoPaper provided by Levy Economics Institute in its series Economics Working Paper Archive with number wp_99.
Date of creation: Oct 1993
Date of revision:
Handle: RePEc:lev:wrkpap:wp_99
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Web page: http://www.levyinstitute.org
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Other versions of this item:
- L. Randall Wray, 1999. "Government Deficits, Liquidity Preference, and Schumpeterian Innovation," Macroeconomics, EconWPA 9907005, EconWPA.
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- Wray, L Randall, 1992. "Alternative Theories of the Rate of Interest," Cambridge Journal of Economics, Oxford University Press, Oxford University Press, vol. 16(1), pages 69-89, March.
- Jan Allen Kregel, 1993. "A Post Keynesian Explanation of the Causes of the Current World Slupm," Working Papers 182, Dipartimento Scienze Economiche, Universita' di Bologna.
- Robert Heilbroner, 1993. "Was Schumpeter Right after All?," Journal of Economic Perspectives, American Economic Association, vol. 7(3), pages 87-96, Summer.
Blog mentionsAs found by EconAcademics.org, the blog aggregator for Economics research:
- Plan B: Interview with Lester Brown about Collapse
by Tom Hickey in Mike Norman Economics on 2011-03-28 18:46:00
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In this topic which is a follow-up to the on of the Kingship of Saul we will trace the events of the Kingship of David. We will take a look at the contrast the Kingship of David with that of Saul showing the ways that King David followed the Covenant in contrast to Saul who did not did not.
David says what Elohim would do. David had faith. As the two spies spoke of the promise so did David have faith in the provider not his own might. The faithful speak of the promise of Adonai. David was king Saul's son in law. Saul gave Mikal to David in order to distract him and hopefully David would fall in battle to the Philistines. David consults the Ephod and escapes from Saul's clutches. David hides in a cave in Engedi and cuts off the tzitzit (corner tassels) of Saul's garment. David persuades Saul to reconcile with him. David sneaks in Saul's camp and threatens him by piercing the ground by him, whilst preventing his fellow outlaws from killing Saul. He takes Saul's spear and jug and bargains a truce with Saul the next day. David was the Second king of the United Monarchy. David reigned as an example of the Messianic Kingdom in which Messiah will reign.
David is believed to have been born and died on the day of Shavuot. David's prayer was said to be able to bring down that which "is in heaven" and make it so "on earth." We see this prayer for the Davidic kingdom and as it is in heaven so be it on earth in the prayer of the Master Y'shua. David was able to pray for the manifestation of the Messianic Age. David is a type of Mashiach a humble shepherd servant who slayed Goliath to later become the promised King of Israel. David mediated between Adonai and Man. Bethlehem is the birthplace of David and Yeshua.
During the Iron age 1 and 2, the United Monarchy was in development. David was a leader of a band of outlaws after King Saul tried to kill him. David trusts Adonai to conquer Goliath. David is blessed by Adonai. David was the youngest brother. David said "let no man's heart fall," despite Saul's attempt David chose not to wear the Armor because it was not battle tested by David. Goliath cursed David by his deity (his source) of provision and yet David slew him with all his physical advantages because He had faith in Adonai as his deliver, just as He had saved him from the Lion and the Bear.
Jonathan and David's souls where knit together because they had kindred spirits of faith and Covenant fidelity. David had a tender heart to pray and love. The priest gave David the Consecrated Bread (Showbread). Abigail saves Nabal. When Nabal dies, Abigail becomes David's first wife. Adonai remained with David. There were battles between the House of David and the House of Saul.
The Ark was taken to Jerusalem and the Tent of David was set up. David consulted the priest and used the Ephod. David feared Adonai and sought His divine provision. David trusted that Adonai would provide for him. David celebrates at his selection as King of Israel, however Abigail mocks David rejoice and therefore is barren til she dies. She is not fruitful because she wasn't faithful to the Covenant. David plans to build the Beit Ha'Mikdash. God Covenants with David making an eternal Covenant with him.
David sinned in acquiring Bath'sheba which lead to the loss of his son who violated David's daughter and his son who avenged his sister took David's throne will dying by getting his hair caught in a tree. David's repentance shows his fidelity to the Covenant. The Jewish practice of divorce on the battlefield made the act of remarrying Bath'sheba not a sin. According to the Talmud Uriah's death wasn't murder it was capital punishment for the sin of not obeying his king's command. David's heart is broken and he pleads for forgiveness. David is forgiven however the sin is kept as a record for us as what not to do. David's heart was towards the Covenant and he sought to use the method of atonement in the Covenant as opposed to doing it himself. He listened to the prophet and repented of his sin, he didn't go and commit more sins.
After Bath'sheba cleansed herself from being unclean, David told Uriah that he would not while "the ark, Israel and Judah" were in temporary shelters. Uriah rebelled against the King. When the time of Mourning was over David sent for Bath'sheba to be his wife. This was evil in Adonai's eyes and the prophet Nathan rebuked David. David recognizes his sin and repents immediately before people are "allowed to blaspheme" Adonai due to David's sins.
David interceded, as his son was sick. On the 7th day David's child died, David washed, changed his clothes, came to the house of Adonai and worshipped. David fasted and prayer while the child was alive, when he passed away he worshiped and ate. David mourned every day. Absalom, David's son, was trying to steal the hearts of the people. Absalom declared himself king. David fled Jerusalem. The King told Zadok to return to the city with the ark of Adonai. David went up to the Mount of Olives and went praying and weeping.
Sh'mei, son of Gira, cursed David. David sought Adonai's blessing in the face of Cursing. Absalom got hung by his hair and David was restored as King. David's brothers son, defeats Goliath. Solomon is David successor.


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Corvallis 104.3 FM • Hood River 91.9 FM • Portland 90.7 FM
Jay Alvarez wrote and performs in the play Be Careful! The Sharks Will Eat You! This is a fun interview with Jay that covers his play, how it got its title, and several other topics. He tells stories about his mother, and how many think the play is a love letter to his father. He talks about his pride in being both Cuban Latino and an American.
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The next regular monthly Board meeting will be Mon. Sept. 22nd at 6 pm at KBOO - 20 SE 8th Ave. Portland, and is open to the public
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A powerful companion for your Canon EOS digital camera. This Lenmar lithium-ion replacement battery is a must-have.
- Long-lasting, lithium-ion battery is an essential for your Canon EOS 450D, EOS Digital Rebel XSi or EOS Kiss X2 digital camera.
- Details:
- 7.4 volts
- 1080mAh
- Lithium ion
- Replaces Canon LP-E5 digital camera battery
- Canon digital camera not included
- Manufacturer's 3-year limited warranty
- Model no. DLCE5
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Birth Emergency Skills Training (BEST) workshop
Saturday, May 3, 2014
915 N Michigan Ave Howell MI 48843
Michigan Midwives Association is hosting a Birth Emergency Skills Training (BEST) workshop on Saturday, May 3rd and Sunday, May 4th, 2014 in Howell, MI. Further information will be provided as the time gets closer, but we wanted to give you advance notice so that you could plan to find on-call coverage in order to attend and budget accordingly for the training.
What is BEST? (information from their website)
Birth Emergency Skills Training for Out-of-Hospital Providers® (BEST) is a certification course that prepares out-of-hospital midwives, physicians, nurses, and birth assistants to manage obstetrical emergencies with greater confidence and proficiency.
Midwives who attend births at home and in free-standing birth centers work with low-risk clientele and seldom encounter emergencies. Yet life-threatening pregnancy and delivery complications may arise unexpectedly during an otherwise normal labor. In a crisis, the birth attendant must respond adeptly, but techniques seldom practiced decay over time, and ongoing research brings new recommendations. BEST sharpens skills so that providers may confidently manage obstetrical emergencies.
BEST workshops last two days and provide 12 hours of training. The subject matter is serious, but we make it fun, with stimulating presentations, learning activities, case studies, videos, discussion, and hands on practice.
What will I learn?
The BEST® course includes a systematic approach to:
Recognizing the high risk pregnancy
Pain and bleeding in pregnancy
Complications arising in pregnancy
Managing Complications of Birth
Postpartum Emergencies
Neonatal Emergencies
Unexpected Multiples
Maternal Trauma
This intensive 2 day training is suitable for both students and practicing midwives. 12 contact hours are available through both MEAC and ACNM. The book should be read ahead of time and can be ordered online. The cost for both days is $375.00. A $100 deposit is due by February 10th, with the $275 balance due by March 24th. Breakfast will be provided both days. Lunch will be potluck on Saturday, and Sunday we will order lunch in, so please bring money. Those attending are welcome to spend the night at Kate Mazzara's house, as she lives close by. There is the possibility that NRP will be offered on the day before or after BEST.
For more information on BEST, visit www.birthemergency.com
Questions? Contact Christa Bartley at email@example.com


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|The Spotted Pig in the West Village NYC
April was born in Birmingham, England in 1974. She was a big fan of Cagney and Lacey and decided she wanted to be a cop. When she missed the sign up date for the police academy, her mother asked her what she planned on doing with her life. Her sister was going to Birmingham College of Food, Tourism and Creative Studies at that time, and April thought she would give "cooking a go". "But when I walked into college, and saw the kitchens and smelt the spices, I knew I would give it 110%. I was just blown away."
Her first job was at the Holiday Inn in Birmingham. She didn't want to stay in Birmingham and knew she wanted more. She took on extra hours and worked very hard to get the experience she needed to further her career. Six months later she left for a job at Kensington Place, followed by a job at Bibendum. Her next job was at Roscoff in Northern Ireland. Where next? "I used to lie in bed thinking about the River Cafe, because I'd watched their TV programme. I remember watching Rose [Gray, the restaurant's co-founder] cooking cavolo nero. She pureed it with the best olive oil and cheese. I went to work the next day and immediately made it."
April had a friend who worked at the River Cafe. She gave her friend a call, and told her she was looking to move on. "They told me to come in, and I loved it from the moment I tasted the food. It was this pasta… I had to peel these walnuts. I'd never seen a wet walnut. My fingers were burning, but I was so happy. We made a sauce from the walnuts, some bread, the water I'd blanched them in, some pesto and some spicy oil. Tossed it into some tagliatelle. When I tasted it, my palate moved to a higher consciousness. I actually thought: what have I been doing for the last 10 years? I was so worried I wasn't good enough to get a job there."
A few years later she was called by Ken Friedman who was looking for a chef to help him open a restaurant. He was hoping to get Jamie Oliver, who turned Friedman down. He recommended April, who he had worked with at the River Cafe. She came to the US and took a job for the summer working at Alice Water's Chez Panisse, to familiarize herself with american ingredients. Then she headed to New York, where April (who is the executive chef) and Friedman opened The Spotted Pig.
April Bloomfield came into the spotlight in the fall of 2005 when her small and casual West Village gastropub, 'The Spotted Pig', received a highly esteemed Michelin star in the first Michelin Guide to NYC restaurants. In 2007, Food and Wine magazine named her one of the best new chefs of the year, stating that her menu "infuses modest British dishes with spirit and sophistication."
This week April Bloomfield's cookbook "A Girl and Her Pig" hit the stores and I'm sure it will be a huge hit…just like April herself!
|Oh so yummy deviled eggs
I decided to make The Spotted Pig's Deviled Eggs. I actually had an abundance of hard cooked eggs in my fridge due to the Easter bunny leaving way too many. What a great way to use them up! The recipe is quick and easy. These eggs were creamy, buttery, smooth and tangy….all the ingredients just came together so deliciously!
|These were a hit…even with my husband
|Creamy and tangy….so good!
|A Girl and Her Pig
This recipe was adapted from one found at The Fifth Tine
- 12 large eggs
- 1 tablespoons extra virgin olive oil, plus more for drizzling
- 1 tablespoon mayonnaise (The Spotted Pig makes these with home made olive oil mayonnaise)
- 1 tablespoon Dijon mustard
- 1 teaspoon white balsamic vinegar
- 2 teaspoons white wine vinegar
- Sea salt
- Peperoncino red chili flakes, put into a spice grinder
- 3 tablespoons thinly sliced chives
- Olive Oil for drizzling
These are the very talented bloggers who are on the quest to blog through Gourmet's list of the 50 Women Game Changers in Food…Make sure you stop by and check them out!
Mary - One Perfect Bite
Val - More Than Burnt Toast
Taryn - Have Kitchen Will Feed
Susan - The Spice Garden
Heather - girlichef
Mary - One Perfect Bite
Linda A - There and Back Again
Veronica - My Catholic Kitchen
Claudia - Journey of an Italian Cook
Martha - Simple Nourished Living
Sara - Everything in the Kitchen Sink


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Cook ground beef in a frying pan on medium heat until no pink can be seen. spoon your cooked meat into a cake pan and smooth it out so that the surface is even. Boil water in a sauce pan. Remove from heat. Combine the potato pearls and the water in a large mixing bowl until there are no clumps in the potatoes. If you desire, you can put food coloring in your "Frosting" to make your dinner look more like a cake. Put salt, pepper, onion powder, and any other desired spice to your meat in the cake pan. Spread you potato 'frosting' onto your meat. You now have a delicious cake!! Enjoy!!
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Hang tight!
Recipe by ACPHIFER
"This is a simple recipe that was given to me by my mother. She served it when I was a child, and my family of 6 loves it too. Serve on hamburger buns."
Watch video tips and tricks
1 pound
ground beef
1 cup
1/2 (12 ounce) bottle
chili sauce
1/2 cup
dark brown sugar
1/4 cup
grated Parmesan cheese, or to taste
1 teaspoon
sweet pickle relish
1 teaspoon
minced onion
1 teaspoon
Worcestershire sauce
This is a really easy recipe and the sweet pickle relish adds another dimension. Next time I will cut back the brown sugar to 1/4 cup. It was a bit on the sweet side.
I have several recipes for sloppy Joes but this is one of the easiest and most flavorful recipes, with the fewest ingredients I have found. Some people comment it is too sweet, but not for my family we tend to like sweet. There is one ingredient I do like to add to various hamburger related recipes that adds vegetables and stretches the recipe, and that is the Bellaire brand Southwest Vegetable mix. For those of you not familiar it is a combination of chopped green peppers, onions, black beans, and corn. It is located in the frozen vegetable section of the grocery store. Costco has small pretzel buns that go perfect with sloppy Joes.
3 Ratings
OMG this was so yummy!!!I loved it!!!
* Percent Daily Values are based on a 2,000 calorie diet.
Family Favorite Sloppy Joes
Serving Size: 1/6 of a recipe
Servings Per Recipe: 6
Amount Per Serving
Calories: 264
Calories from Fat: 92
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