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Editor's note: April 12 marked the 150th anniversary of the start of the Civil War. East Atlanta Patch asked Jeff McCord, owner of in East Atlanta Village, to compile his list of must-read books for folks seeking a better understanding of the Civil War.
by Jeff McCord
Asking for a top ten list of best books to read on the Civil War is like asking someone to pick up the prettiest shells on the beach. Where does one start? I've taken the liberty of including both fiction and non-fiction. And this is technically more than 10, but I'm counting trilogies as one. Also, I'm exercising a little bias toward titles with more local flavor.
This should not be portrayed as a definitive list, but rather a broad, representative list both for people who want an overview and also people who are willing to dig in a little deeper. So here's my list, in no particular order:
- One of the highlights of the last major milestone commemoration of the Civil War – the centennial – was the publication of Bruce Catton's Civil War Centennial Trilogy: "The Coming Fury," "Terrible Swift Sword" and "Never Call Retreat." More than just a narrative of battles and dates, the Pulitzer-prize winning Catton incorporates social, economic, and political topics as well. If you're not up for the trilogy, you can delve into Catton's infinitely readable, one-volume "The Civil War," which includes a new introduction by historian James M. McPherson.
- "War Like the Thunderbolt: The Battle and Burning of Atlanta," by Russell Bonds. This comprehensive and extremely readable narrative of the is one of the best, clearest and most understandable histories ever written on the topic.
- "The Complete Idiot's Guide to the Civil War," (3rd Edition) by Alan Axelrod. Completely revised for the Sesquicentennial and just recently re-released, "The Complete Idiot's Guide to the Civil War" is a quick and comprehensive overview of America's bloodiest war. Incorporating the latest scholarship, the book features a clear chronology of major events, detailed explanations of key battles, and offers fascinating stories of the men and women who fought bravely and often died for a cause they believed. This is a great starting point for Civil War novices and a worthy resource for buffs as well.
- "Army Life in a Black Regiment: And Other Writings," by Thomas Wentworth Higginson. Higginson was a Unitarian minister, a literary man and an active Abolitionist. From November 1862 to October 1864, he was the white colonel of the First South Carolina Volunteers, the first authorized black regiment recruited from former slaves for Union service. Covering one of the major political and social developments of the war, this is a familiar story to those who have seen the movie "Glory," chronicling the 54th Massachusetts Volunteer Infantry, which was formed afterwards and drew from free Northern blacks.
- "The Civil War: A Narrative," by Shelby Foote. This is a comprehensive history in three volumes ("Vol 1: Fort Sumter to Perryville;" "Vol 2: Fredericksburg to Meridian," and "Vol 3: Red River to Appomattox.") Stretching to 3,000 pages, it is not for the casual Civil War reader, but it is an excellent resource by an author who gained fame for his soft Southern drawl and keen historical insights on Ken Burns's 1990 PBS documentary "The Civil War."
- "Andersonville," by MacKinley Kantor. This Pulitzer-prize winning novel brings to life the tragic and shocking story of the infamous Confederate POW prison in South Georgia. There are many books written about Andersonville, but this novelization remains one of the best reads available.
- "A Distant Flame," by Phillip Lee Williams. This is the fictional account of a young Confederate sharpshooter, Charlie Merrill, facing the battles ahead at the gates of Atlanta in the summer of 1864. Beautifully written as the memoirs of an elderly Charlie on the occasion of the fiftieth anniversary of the Battle of Atlanta, the story reveals Charlie's journey from the Civil War's fields of fire to the redemption of old age.
- "The Red Badge of Courage," by Stephen Crane. A quick read and a classic that should be included on every Civil War reading list.
- "Chickamauga and Other Civil War Stories," edited by Shelby Foote (1993). This anthology of Civil War stories was long out-of-print, but was re-edited by Shelby Foote in 1993 and provides both a history of the Civil War era and an insight into the popular culture as revealed in the works of America's most notable writers, including such authors as F. Scott Fitzgerald, William Faulkner, Thomas Wolfe, Eudora Welty, and Mark Twain.
- "The Life of Johnny Reb," by Bell Irvin Wiley. Another classic! This is Wiley's composite portrait of the rank-and-file Confederate soldier, first published in 1943 to enthusiastic acclaim. The book still offers one of the best available accounts of the ordinary citizens who made up the Confederate army, providing an intimate history of a soldier's daily life - the songs he sang, the foods he ate, the hopes and fears he experienced, the reasons he fought. As a historian, Wiley was renowned as a champion of the common folk, whom he saw as ensnared in the great conflict of the 1860s.


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Cat Power/Social Distortion Cat Power has such a spotty live reputation that she's hard to pass up, epecially at a music festival. We all want to see the implosion when it happens. However, she once pleased me greatly (and made me somewhat of a fan) at one ACL Fest around the time her R&B-heavy The ... More >>
Photos by GroovehouseGogol Bordello House of Blues April 12, 2011 Check out our pics of the Gypsy punks. Maybe a Jolly Roger would have helped. Tuesday night at House of Blues, Gogol Bordello had the captain's wheel, center stage. They had the ocean, in the form of the seething pit of huma ... More >>
"He is singing into a penis..." Photos by GroovehouseDie Antwoord, Rye Rye Stereo Live November 1, 2010 For more photos from the show, see our slideshow here. It was industrial, grating, disorienting, sweaty, funky, hilarious and altogether like nothing we had ever seen in our lives. The w ... More >>
credReturn of the Bamboo Banger: M.I.A.Aftermath was eager to catch Gogol Bordello, only because our companion had missed their last Houston show at Meridian in 2008. We were convinced he'd get a kick out of them so we dragged him over to the AMD stage early in order to get a good view. One ... More >>
Moustaches are all the rage these days. From shirts to snow globes, rides, wax and tattoos, everyone wants a moustache or at least to support the cause. Rocks Off even has a moustache. When it was longer we combed it while driving or lounging, much to the chagrin of the people around us. Ce ... More >>
www.eaglesband.comWho knew the Eagles shot their publicity stills for The Long Road Out of Eden at ACL 2005?When the Austin City Limits festival lineup is released every spring, one of Rocks Off's favorite parlor games besides wondering what sort of Biblical weather-related calamity God will visi ... More >>
Liev Schreiber adapts a best-selling novel, without the best results
East Infection
Landlords and bounced checks abort the Fabulous Satellite Lounge's ten-year mission to rock the Heights
Gogol Bordello combines Balkan folk traditions with a theater of anarchy

subset: commoncrawl


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Senior Member
As most of you have expierienced, it sucks to lane against, or even get caught alone with ryze due to his ultimate. Well my friend and I thought of a possible solution, and that is everytime his ultimate bounces of an enemy hero or himself, the damage done is reduces by a percentile. So for example each time it bounces, the damage done is reduced by 15% give or take some. This would be similar to a chain lighting effect, because that is basically what his Ultimate is. Let me know what you guys think.
I love laning against Ryze. Stay back with your creeps and last hit carefully and he can't really hurt you. Soon as he makes one mistake chew his face off. Details vary by your hero of choice.
Of course if you get caught alone or baited in to getting ahead of your creeps its going to hurt. Don't let him bait you and you'll be fine.
Any double stun combo is going to be bad for you. I used to play a Sion/Taric combo that was disgusting. We had more ragequitters after lvl 1 violence than I have ever seen. Thats just a matter of good synergy with two heroes. In that case you just need to play defensively until someone can set us up the gank. People hate that answer, and I did too for a long time but if the laning situation is bad then it is either that or switch lanes with someone. A decent Ashe or Sivir will tear a Ryze apart if they know what they are doing. There are a number of other ranged champs like that. Cleanse is one of my favorite summoner abilites and so I will often counter bait and flip him into my tower and a puddle of goo (Singed).
© 2013 Riot Games, Inc. All rights reserved. Riot Games, League of Legends and PvP.net are trademarks, services marks, or registered trademarks of Riot Games, Inc.


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Microsoft Corp. announced the figure at the International Consumer Electronics Show Tuesday. The company hopes Windows 8 could bolster sliding personal computer sales.
LAS VEGAS -- Microsoft Corp. has sold 60 million licenses and upgrades for its new Windows 8 operating system in the 10 weeks since its launch, one of the top executives of the company's Windows unit said at the Consumer Electronics Show on Tuesday.
The figure marks a solid but unspectacular start for Microsoft's new flagship product, which has not managed to revive lagging personal computer sales, while new touch-screen Windows devices have not yet captured consumers' imaginations.
Windows 8 sales are growing in line with those of Windows 7, Microsoft's last operating system, launched in 2009, said Tami Reller, chief financial officer of the Windows division, in a presentation to analysts and investors at the annual tech show in Las Vegas.
The latest Windows 8 figure means Microsoft sold around 20 million Windows 8 licenses and upgrades since the end of November, when it announced 40 million sales in the first month on the market.
That puts sales broadly in line with Windows 7, which averaged 19.4 million sales per month in its first nine months on the market, when PC sales were running at a lower level than today.
Reller did not say how many of the Windows 8 sales were bulk orders from PC manufacturers and did not break out the proportion of full license sales and cheaper upgrades from earlier versions of Windows. She also did not say how many Surface tablets -- designed to tackle Apple Inc's iPad head on -- Microsoft had sold.
Final figures for PC sales in 2012, due in the next week or so from industry tracking groups, are expected to show the first year-on-year decline in a decade as consumers move toward mobile computing on powerful tablets and phones. Microsoft's app-based, touch-friendly Windows 8 system is an attempt to adjust to that shift.
Microsoft shares fell 0.5 percent to $26.55 on the Nasdaq on Tuesday. They are down 6 percent since the launch of Windows 8 on October 26.
Full disclosure: MSN News is a division of Microsoft Corp.
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Wednesday, September 17, 2014
Alternate title: Marie Antoinette Isn't Dead
A complex dramatic profile of Marie Antionette (1755-1793), wife of Louis XVI, which portrays the legendary figure as a real-life, multifaceted woman--difficult to others,as her fickle behavior stemmed from an oppressive childhood. In this cinematic represenation of the 18th-century queen who was executed by the Revolutionary Tribunal, Marie Antoinette is finally given a second chance--showing that her character and her background make her prey to gossip and accidents--rather than being holed into the generalizations which have shackled her to the image of being one of France's most shady historical figures. ~ Baseline StudioSystems


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The Harry Potter books are getting a makeover.
Scholastic Inc. announced Wednesday that new covers have been commissioned for U.S. trade paperback editions of J.K. Rowling's blockbuster series.
The first new cover, for "Harry Potter and the Sorcerer's Stone," replaces Mary GrandPre's iconic sandy-colored design of Harry in flight with a purplish-blue street setting by graphic novelist Kazu Kibuishi.
The GrandPre illustrations will still be used for hardcovers and mass market paperbacks.
The new edition of "Sorcerer's Stone" is scheduled for September, the 15th anniversary of Potter's debut in the U.S. The British editions are published by Bloomsbury. They have long had separate designs from the U.S. versions.
KTBC FOX 7119 East 10th StreetAustin, TX 78701Phone: (512) 476-7777Fax: (512) 495-7001


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Some days are tough. REALLY tough. It seems like there are too many things to do. Too many options. Too many choices. I just don't want to go on. I want to quit. School. Parenting. Life. Yes. I will admit it. Some days I want to die. Because I'm so exhausted. Emotionally beat-up. I just don't want to fight this fight anymore. The depression. The anxiety. The ADD. The sin in my heart. The sin in the world. The weight of the ugliness threatening the beauty of my life. All of it. I just don't want to fight. I don't want to be the strong one. I don't want to be the adult. I don't want. To. Be.
How do I get through these moments?
Prayer. I'm not talking the eloquent, flowery, prayer…you know…Oh Lord, God Father, you are majestic. Thank you for this mountain. Thank you for this trial. Thank you for the opportunity to show you to my family. I'd love to tell you that I'm the saint of the year. That I always look to him with gratitude and love. But let's get real. I'm human. He is God. So, here's more like what I say. Really God? CAN'T we stop this now. I'm tired. I can't do this. I hate to sound complaining. But I can't do this…I just. Can't.
And do you know what HE does? This amazing being I believe…he doesn't send down fire to strike me dead. He doesn't tell me that I'm a selfish, ungrateful child. No, he smiles. He says, "I know. I CAN. Let me. You. Rest." (Yes, he talks to me in single syllable words because I'm a simple-minded person.).
So while I condemn myself…and the blogs, the Facebook wall, the twitter feed, the preachers on the radio condemn me for being the less than perfect mom, wife and daughter…he tells me to stop doing. To Let HIM. and just REST.
Music. I turn to music. I know I should turn to the BIBLE. You know, God's word. But God speaks to me through the melodies on the radio…in my heart. God's word can be written in a book, one that is written in my heart. Or it can be written in a melody, recorded and broadcast on a simple program called Rhapsody. It seems like there is ALWAYS a song that speaks to me. Right there. In that moment. And THAT is God's word speaking right to my heart. AND that is ok.
Rest. Ultimately, when I hit these moments I have to rest. I quit blogging. I quit making lists. I do the bare minimal in school, housecleaning, cooking, devotions. I rest. To let my brain quit looping and rest. It may seem like I'm lazy. It may seem like I'm just a horrible mother. It may seem to you that I'm a flake.
But to me. It's my VERY survival. It's all I have. It's a fight against a chemical/electrical balance in my brain that I can't control. BELIEVE ME. No one in their right mind would EVER choose this life…this type of a brain.
Depression sucks the life out of every fiber of your being. Anxiety can show up and it stops life. And although the episodes are getting further between…when they arrive…they suck my life out of everything beautiful, happy. I feel like I'm drowning and have no way out.
And so today, I write. I choose to share my ugly world with you. Because this is real life. In the ugliness of this insidious disorder, there is beauty. Beauty of a heart who longs to share the God she knows. The one who loves her even in the depths of all the ugliness of a disorder that says, "You shall die."
I would LOVE to tell you that my house is clean. That my meals are GMO-Free. That my kids are well-behaved. My marriage the epitome of all that is holy. But would that be BEAUTY?
Sometimes, beauty is found in the ugly shards of a broken life…


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Importance of Protein with Bariatric Surgery Patients
Next to water, protein is the most abundant substance in the human body. The word "protein" is derived from the Greek word meaning "of first importance." This is literally true for the bariatric surgery patient. Protein is undeniably the most important nutrient in the bariatric diet.
Weight loss surgery causes severe trauma to the body. After bariatric surgery or gastric bypass surgery, you must take in sufficient protein every day to speed wound healing, preserve your lean body mass, enhance your fat-burning metabolism and minimize hair loss. Foods that are high in protein should always be eaten first during meals. The recommended long term post-surgery protein intake may vary from 55 to over 100 grams per day, depending on your individual needs and the bariatric diet provided by your surgeon or dietitian.
It's very difficult to consume enough protein from foods alone during the first several months after weight loss surgery. Most bariatric surgery patients integrate liquid protein supplements such as shakes, cold drinks, hot drinks, soups and puddings into their diet after surgery and many continue to use them as a balanced, convenient source of protein and nutrition for the rest of their lives.
Protein provides many important benefits to the bariatric surgery patient:
" Protein aids in proper wound healing after bariatric surgery.
" Protein helps keep your hair, skin, bones and nails healthy.
" Protein helps form hormones, enzymes and immune system antibodies to help your body function properly.
" Protein helps your body burn fat instead of muscle for a healthier weight loss.
" Protein supports your natural metabolism so you lose weight quicker.
" Protein curb's your hunger between meals.
Your body is actually made up of thousands of different proteins. Because your body is constantly making new proteins and because you don't store amino acids (the building blocks of protein), you need to intake a new supply of protein each day. The body can make 13 amino acids, but 9 amino acids are essential, meaning they cannot be made by your body and must come from food sources. There are both complete and incomplete protein sources. Complete proteins contain all the essential amino acids needed for the body to make new protein. Incomplete proteins are lacking one or more essential amino acids. A good source of complete protein is animal protein which includes meat, fish, eggs and dairy products. Vegetable or plant protein is incomplete protein.
As you follow your bariatric diet, keep in mind that plant proteins are not "complete" proteins. (A complete protein is one food item that contains all of the essential amino acids). Plant proteins should be used together with animal protein sources to provide you with all of the essential amino acids you need.
Protein Content of Foods
Examples of Animal Protein Foods Amount Grams of Protein
Beef, lean 1 ounce 7 grams
Cheese (American, cheddar, provolone, Swiss) 1 ounce 7 grams
Cheese, cottage 1/4 cup 7 grams
Cheese, ricotta 1/4 cup 7 grams
Chicken 1 ounce 7 grams
Egg or egg substitute 1 egg 7 grams
Fish and shellfish 1 ounce 7 grams
Milk, skim (recommended) 8 ounces 12 grams
Pork 1 ounce 7 grams
Turkey 1 ounce 7 grams
Yogurt, nonfat or low-fat fruit flavored 3/4 cup 12 grams
Yogurt, plain nonfat 3/4 cup 12 grams
Examples of Plant Protein Foods Amount Grams of Protein
Beans and peas (black-eyed, garbanzo, kidney, pinto, split, white)
1/2 cup 7 grams
Cereal, ready to eat 3/4 cup 3 grams
Corn 1/2 cup 3 grams
Lentils 1/2 cup 7 grams
Lima beans 2/3 cup 7 grams
Non-starchy vegetables (tomatoes, green beans, cucumbers)
1/2 cup cooked 2 grams
Oats 1/2 cup 3 grams
Pasta 1/2 cup 3 grams
Potatoes, baked or mashed 1/2 cup 3 grams
Soy burger, veggie burger 1 ounce 3 grams
Soy milk 8 ounces 7 grams
Tofu 4 ounces 7 grams
Liquid Protein Powder Supplements
Following are examples of Medibar Diet's liquid protein diet supplements designed for Bariatric Patients.
Product Portion Size Calories Protein Fat Carbs Sugar
Medibar Diet BOA Pudding/Shakes 1 Packet 100 15g 1.5g 7g 4g
Medibar Diet BOA Meal Replacement Shakes
1 Packet 200-250 29-35g 3-3.5g 15-23g 9-12g
Medibar Diet BOA Fruit drinks 1 Packet 60-70 12-15g 0g 1-3g 0g
Medibar Diet BOA Smoothies 1 Packet 100 15g 1g 7g 5 g
Medibar Diet BOA Gourmet Shakes 1 Packet 90 12g 1.5g 9g 3g
Medibar Diet BOA Hot Drinks 1 Packet 60-80 12-15g 1g 2-6g 0-3g
Medibar Diet BOA Puddings 1 Packet 80-90 12g 1-2g 6-7g 3-5g
Medibar Diet BOA Soups 1 Packet 70-100 12-15g 0-1.5g 5-10g 1-4g


text: Pros: Location & Wi.Fi. Cons: pretty much everything else When we arrived, we did not get the room with attached bath/WC as was booked (through Booking.com). In response to my obvious displeasure, the staff, while polite, was totally unhelpful - they wouldn't even adjust the price. The "designer" furniture is good to look at and genuinely different, but very inconvenient.... More


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Bed & Breakfast "Villa Sestilia" was built between 1910 and 1915 by grandma Sestilia and grandpa Pietro Giglioli and completely renovated by the Masi family in 2007. The B&B offers 4 romantic rooms located on the first floor and each... Plus d'informations
Prix moyen 130
The Bed & Breakfast Pillo Cancello is set in the middle of Tuscany, surrounded by wonderful landscapes and just 1 km away from the little medieval town: Montaione. We have 4 double bedrooms with private bathroom, tv and air... Plus d'informations
Bed and Breakfast "Casa Della Madonna" is located in Montaione, immersed in a Mediterranean forest. It is ideal to spend a quiet holiday, far from the stereotypes of mass tourism. The B & B offers a magnificent panorama of the upper... Plus d'informations
Pian Delle Querce Cipresso B&B is in the middle of 140n acres of wood and orchards, is ideal for visiting the cities of art in tuscany and at the same time it is a very quiet place for your relax after a long day walks. The B6B has 2... Plus d'informations
Clean and quiet Bed & Breakfast Il Pianigiano is in the middle of the countryside, but still only a ten minute walk from the town centre. All bedrooms have private bathroom, air conditioning and tv set. All rooms are cleaned daily by... Plus d'informations
Bed & Breakfast Orchidea is located in the heart of the Tuscany country into a Villa dating back to the first half of '800, a unique place of its kind, for people who love original spaces and nature. Situated near Palaia, an old... Plus d'informations
Prix moyen 80
Il Vicario is a building dating from 1300's restructured with care, maintaining the old style. Just 2 km from San Gimignano it is immersed in the countryside where the elegant views are enriched by vineyards, olive groves, wood and... Plus d'informations
Prix moyen 90
Bed & Breakfast Villa Ducci, surrounded by olive trees and Tuscan hills, is situated just 1,5 km from town centre. The origins of the villa are lost in time. Documents dating back to the 13th century mention a watch-tower at San... Plus d'informations
Prix moyen 108
Bed & Breakfast A Casa Di Lizzy is situated along the Wine Road on the hills of Pisa, amidst olive trees, vineyards, lines of cypresses and little woods. A Casa Di Lizzy B&B offers accommodation in 3 twin or triple rooms served by 3... Plus d'informations
Prix moyen 59
Bed & Breakfast Il Castagnolo is a typical stone house dating back to the 19th century, situated in a splendid position with panoramic sight, only 4 km from Sant Gimignano. The house has been accurately restructured in 2006, in the... Plus d'informations
Prix moyen 80
Bed & Breakfast Guesthouse Totti is located in the historical center of San Gimignano a few steps from the ancient fortress of Montestaffoli and Via Francigena. Retrieved from one of the great halls the 1400 College Mainardi, it still... Plus d'informations
Prix moyen 68
Bed and Breakfast Donna Nobile is set in an ancient medieval house completely restructured, along the ancient "Via Francigena". The b&b offers elegant accommodation in the historical atmosphere of the centre of San Gimignano. At... Plus d'informations
Prix moyen 65
Bed & Breakfast Palazzo Al Torrione is a century old building that has been carefully restored, located along the wall of San Gimignano, in the historic centre. From one side faces the panorama of the city almost touching its towers,... Plus d'informations
Prix moyen 90
Surrounded by Tuscan countryside, Bed and Breakfast "Pane e rose" is located Balconevisi, a few miles from San Miniato. It's the ideal place to spend pleasant moments of relax, in contact with nature and food traditions. The... Plus d'informations
Prix moyen 55
Bed & Breakfast Il Fienile is a real old barn renovated and is situated along the historical Via Francigena, about 100 meters from the town walls of San Gimignano. It offers wide bedrooms composed of a double bed and a small added... Plus d'informations
Bed & Breakfast Podere Rivoltino Di Sopra is located 3 km from the center of Volterra in panoramic position, dipped in an olive grove near an ancient roman road. The B&B is completely new, furnished in Tuscany style and offers... Plus d'informations
Prix moyen 70
Bed & Breakfast La Rondine is ideally located in the countryside, in a very quit spot, only 1.5 kilometre from the city centre of San Gimignano. Each room has a private bathroom inside; one of them has a separate kitchen too. Bed &... Plus d'informations
Prix moyen 72
Locanda Viani has 4 very comfortable bedrooms with air conditioning, internet free ADSL and a small wine bar. All rooms have private bathroom with shower and hairdryer. Some rooms have a terrace with view over San Gimignano. The... Plus d'informations
Prix moyen 130
La Piccionaia Bed and Breakfast is composed of two rooms: The Piccionaia room is a typical Tuscan attic with a private balcony overlooking the Tuscan hills. In this room you will find a double bed and a bunk bed; a big library at... Plus d'informations
Amarti Bed & Breakfast is a warm and friendly place, in the heart of the sparkling hills of Tuscany, between Florence and Pisa...An atmosphere in which to rest, to meet the cheerful laughter of the residents and their friends, and just... Plus d'informations
Prix moyen 67


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Shane Morris
3 Reasons Devin Gardner Should Be Moved To WR And Shane Morris Start At QB
Gardner is a fifth-year senior, who has had plenty of opportunity as Michigan's starting QB.
Devin Gardner Marginal In Spring Game, Remains Confident
Despite a spring game that looked rather rocky, Michigan quarterback Devin Gardner had his smile back.
Michigan Bowled Over By Kansas State Offense
Freshman quarterback Shane Morris was steady in place of injured starter Devin Gardner, leading Michigan on two early scoring drives. The Wolverines settled for field goals on both and did little the rest of the way.
Wildcats Roll Over Wolverines 31-14 In BWW Bowl
Jake Waters threw for 271 yards and connected with Tyler Lockett on three touchdowns, leading Kansas State to its first bowl victory in 11 years, 31-14 over Michigan in the Buffalo Wild Wings Bowl on Saturday night.
Gardner Out, Morris To Start For Michigan In Bowl
Shane Morris sat out most of his senior season in high school and spent a good portion of his first in college watching games from the sideline.
Michigan Offensive Coordinator Pleased With Progress Of Quarterbacks
With the start of Michigan football just two weeks away, offensive coordinator Al Borges is apparently quite happy with how starting quarterback Devin Gardner has progressed.
The Nation's Elite 2013 Quarterbacks Are Almost Gone
It's not even June and almost all of the nation's elite 2013 quarterbacks are spoken for.


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Categories > Books > A Wrinkle In Time > No Matter What
Prologue0 Reviews
A introduction to the story.
April 15, 2011
It's been a few months since Father's return, but he has a very short temper with me. I'm sure it's nothing, though. I'm just glad that he's home.
And in the few months, Calvin and I started dating! I'm so lucky. He asked me out a few weeks after we got back from Camazotz. I love him dearly (in a completely platonic way, of course).
Signing out,


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Share your comments
The caterpillar and the polliwog
Kent, Jack
Easy Picture Book KENT
Kent, Jack
Easy Picture Book KENT
What other readers are saying about this title:
Leah said:
I like when the caterpillar turns into a butterfly. I like when the polliwog turns into a frog.
posted May 9, 2006 at 11:08AM
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text: Plenty to sink out teeth into in this week's Gathering. At the World Cup, the name on everyone's lips was Luis Suarez, who has received a 4 month ban by FIFA for biting Italy's Giorgio Chillini. Away from the sporting arena, Fianna Fail expelled Brian Crowley after he joined the European Conservative and Reformist (ECR) grouping. Meanwhile former prime minister of Luxembourg, Jean-Claude Juncker is expected to be appointed next president of the European Commission later today. To talk about this and more were Fiach Kelly, political correspondent with the Irish Times; Fianna Fail Agriculture Spokesman Eamon O'Cuiv and Fine ...http://www.rte.ie/radio1/today-with-sean-o-rourke/programmes/2014/0627/626902-today-with-sean-o-rourke-friday-27-june-2014/?clipid=1614450


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News and Updates
New Logos!
We now have the official NEW logo of Triton Rocket Club! Big thanks to Trevor Irwin who created the masterpiece!
New Website Layout!
Welcome to out new website! We are currently building a a new website, so bear with us as this site may change frequently. If there are any issues, please post them here on GitHub or email us here.
Our site may seem discontinuous as we are in live development. Send any suggestions through our email. If you are interested in working on development, email us with your github account and we'll add you to the repo.
Teams Page Posted!
The new teams page has been posted! Its still a little rough and is still under development but I wanted to show everyone what I was working on.


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This is an almost weekly standard in our house. Over time we've cut out the buttermilk soak and the flour dredge and just sprinkle the chicken with the tarragon, salt & pepper and go straight to the pan. We've even made it for family and friends when casually entertaining and they always ask for copies of the recipe.
Chicken Scaloppine with Spring Herb Salad
Becky Luigart-Stayner
Haricots verts are delicate green beans, sometimes called French green beans.
Yield: 4 servings
More From Cooking Light
Nutritional Information
Amount per serving
- Calories: 314
- Calories from fat: 31%
- Fat: 10.7g
- Saturated fat: 1.7g
- Monounsaturated fat: 6.3g
- Polyunsaturated fat: 1.7g
- Protein: 41.9g
- Carbohydrate: 11.5g
- Fiber: 3g
- Cholesterol: 100mg
- Iron: 3mg
- Sodium: 610mg
- Calcium: 99mg
- Chicken:
- 4 (6-ounce) skinless, boneless chicken breast halves
- 1 cup whole buttermilk
- 1/2 teaspoon salt
- 1/2 cup all-purpose flour (about 2 1/4 ounces)
- 2 teaspoons dried tarragon
- 1/2 teaspoon freshly ground black pepper
- 1 tablespoon canola oil
- Salad:
- 2 1/2 cups haricots verts (about 8 ounces)
- 4 cups baby spinach leaves (about 2 ounces)
- 2 cups trimmed arugula (about 1 ounce)
- 2 cups trimmed watercress (about 1 ounce)
- 1/3 cup fresh flat-leaf parsley leaves
- 1 tablespoon chopped fresh chives
- 2 tablespoons finely chopped shallots
- 2 tablespoons fresh lemon juice
- 2 tablespoons olive oil
- 1 tablespoon champagne vinegar
- 1 teaspoon Dijon mustard
- 1/4 teaspoon salt
- 1/8 teaspoon freshly ground black pepper
- To prepare chicken, place each chicken breast half between 2 sheets of heavy-duty plastic wrap; pound each piece to 1/2-inch thickness using a meat mallet or rolling pin. Combine chicken and buttermilk in a large zip-top plastic bag; seal. Marinate in refrigerator for 2 hours, turning bag occasionally. Remove chicken from bag; discard marinade.
- Pat chicken dry with paper towels; sprinkle with 1/2 teaspoon salt. Combine flour, tarragon, and 1/2 teaspoon black pepper in a shallow bowl. Dredge chicken in flour mixture; shake off excess. Heat oil in a large nonstick skillet over medium-high heat. Add chicken; cook 3 minutes on each side or until done.
- To prepare salad, place haricots verts into a large saucepan of boiling water; cook 3 minutes. Drain and plunge haricots verts into ice water; drain. Place haricots verts, spinach, arugula, watercress, parsley, and chives in a large bowl. Combine shallots, juice, oil, vinegar, mustard, 1/4 teaspoon salt, and 1/8 teaspoon pepper in a small bowl, stirring with a whisk. Spoon 3 tablespoons shallot mixture over spinach mixture; toss gently to coat. Place 2 cups salad mixture onto each of 4 plates; top each serving with 1 chicken breast half. Drizzle chicken evenly with remaining shallot mixture.
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Chicken Scaloppine with Spring Herb Salad Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Entertaining
- MAIN INGREDIENT: Poultry
- COOKING METHOD: Marinate
- OCCASION: Spring
- PUBLICATION: Cooking Light
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N Curley Street: All Ages Block Party is Awesome!
Ashley and Donyae, our CFAA team members, partnered with a Patterson Park Neighborhood Association member, Tressa Carter, to lead an intergenerational and inclusive block project on the unit block of N Curley Street. CFAA supplemented block project funds by Banner Neighborhoods and SECDC. Creative Alliance provided an interpreter, Rose Lopez of Latino Provider's Network. Four Spanish speaking families on the block and five adults over the age of 55 participated. Neighbors between 1 thru 84 years old led an activity! The photograph (below) captures all of the leaders, those who cooked on the grill, planted the flower pots, and participated in the kids chalk-drawing contest. The winner's drawing was replicated by artist Derek Pulse, beautifying the block permanently with an important message in English and Spanish.
Photo by Darin Hughes
Older Adults are Active in Greater Highlandtown!
Older adults are leading a screen painting project at the John Booth Senior Center, painting beautiful scenes of famous Baltimorean sites such as the Pagoda, and harbor east docks on local resident and business' screens! The painted screens will be proudly displayed along the 300 blocks of Gough and Eaton Street and we invite you to take a tour of the finished screens in April! Also, CFAA has begun preparation for a series of Highlandtown activities focused upon community revival, and fostering friendships between older adults and community members. These activities will take place at the gymnasium of Our Lady of Pompeii on Claremont Street. Festivities begin with a "Night Out in Hollywood," featuring Baltimorean classics such as "Avalon" and other Barry Levison films. Sample savory treats, strut your stuff on the red carpet and soak up all the glitz and glam of old Hollywood! Big things are happening in Highlandtown, and we invite you to attend!
Photo by Edwin Remsberg
Volunteers Break Dance!
Held at the end of the year, an appreciation party was celebrated for all team members and those who have volunteered throughout the year totaling to 522 hours! We held this at an exceptionally great entertainment venue, the Creative Alliance, and featured food and dance that exposed our team to new cultures outside our own. Thai food from the neighborhood and the Johns Hopkins Bboys dance troupe were a huge hit! We further bonded as a team as we learned a few dance moves together and casually and made art as a group printing the first batch of CFAA t-shirts, a creative and lasting reminder of our work together this year.
Photo by Baltimore Community Foundation
2nd Annual Art Cart Derby a success? Yes!
On Oct 6, the streets of Highlandtown came to life with a celebration of speed, art, music and community during the Second annual All Ages Art Cart Derby. The Art Cart Derby involved teams racing their own gravity-powered art carts down Gough Street in the hopes of winning prizes in the categories of Fastest Cart, Coolest Cart Concept, Youngest-Oldest Art Cart Team and People's Choice. The Derby featured live music from Friendship Academy teens, local art demonstrations, neighborhood food and drink from the Friends of Patterson Parks' Consejo and Clementine at the Patterson, and lots of amazing derby carts doubling entries from last year! Over 250 people attended the Derby and enjoyed the type of arts and culture that only Patterson Park and Highlandtown can provide!


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High School -- Two-year varsity letterman for coach Mike Boehle at Loyola High … Helped lead the Cubs to runner-up finishes at the state and CIF championships and a Mission League title in 2013 … 2013 AVCA First-Team High School All-American, All-CIF Division I selection and Mission League MVP …2013 CIF Sportsmanship/Citizenship honoree … In 2012, the Cubs were ranked No.1 in the state and advanced to the finals of the CIF Championship after winning the Mission League title … Voted Loyola's Offensive Player of the Year in 2013 … Also earned 2013 Best in the West All-Tournament honors … Once served 18 consecutive points, including 13 aces, in a playoff match for Loyola.
Club -- In 2012-13, he played for the Huntington Beach Volleyball Club, which finished third in the SCVA Classic … Also played for the Manhattan Beach Surf in 2011-12 and that team won the SCVA Invitational … Played for the Southern California Volleyball Club from 2009-11 and helped lead that team to a gold medal at the USA Volleyball Junior National Championships in 2010 … Member of the 2011-13 USA High Performance U19 International Beach Team … Has earned 25 medals in AAU and CBVA tournaments.
Personal -- Attained his A Beach rating at 15 … Has an older sister and younger brother … Chose UCLA for its great academics, athletics and coaches and its proximity to sand volleyball courts … Admires Reid Priddy, veteran USA National Team outside hitter … Enjoys snowboarding, bodysurfing and music in his spare time … Was a left-handed pitcher until he started playing volleyball … Born in New York City … Major interests are in Environmental Science.


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Welcome to Sanapurna Center for Yoga & Therapy Zurich
Sanapurna Center for Yoga & Therapy Zurich offers Yoga classes for all levels in different styles and complementary medical treatment in the heart of Zurich. Located just a few minutes from Zurich main station we welcome people from all walks of life. Come by and our team will help you find your individual solution.
Therapy at Sanapurna
Complimentary Medicine & Therapy at Sanapurna
"The greatest medicine of all is to teach people how not to need it" Our various new therapists and their respective fields of expertise offer you a wide range of alternative therapy methods. Treat yourself with a  massage and take time to relieve stress, tiredness and energy blockages or consult with our therapists  to find a solution for your health concern.
We are there for you. From 7 a.m. to 8 p.m., 7 days a week.
For further information & bookings contact Thomas at 044 240 50 20
Sanapurna Specials
Yoga Breakfast Club
Wednesday October 1st, 07:00-09:00
Join us for this breakfast special!
07:00-08:00 Yoga with Elena & Nicole
08:00-09:00 Juice Bar and Breakfast by Ingrid
Sanapurna Workshops
Yoga Malish Workshop with Sanjeev Bhanot
Saturdays October 18th, 14:30-17:00
Experience yourself how Sanjeev Bhanot's Antastha Yoga empowers you on your personal journey of self discovery and continuous development
Teacher Training Course January 2015
Yoga Teacher Training Course in Zurich
- Sanapurna & Yogalife is offering a 200 Hours Yoga Teacher Training Course in Zurich. Certified by Yoga Alliance RYS 200. Next course starting in January 2015. For more information and booking contact firstname.lastname@example.com
Start Yoga Today
Trial Abo
CHF 59.- for 10 days unlimited yoga
30% off all Yoga Classes, Abos and Workshops
Sanapurna is happy to be a partner of KulturLegi Kanton Zürich.


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Freshen your soul with vegan soap that gives back »
What's better than a nice, wholesome, sweet-smelling bar of organic vegan soap? A nice bar of soap that'll help a child in a faraway land not die of cholera or other stupid, preventable diseases, that's what.
"But how do I give soap to foreign children?" you may ask. "I choose destinations with good sanitation, I avoid sick kids, and I have no room in my fancy duffel bag for extra soap. Heck, I barely carry my own." Rest easy, friend. Jack's Soap has got you covered.
Here's the deal: Jack's will sell YOU fancy vegan soap. Choose citrus, mint, or lavender. The bars are hefty, generous, and smell great. (They sent me a sample of each, and my bathroom is way classier now. My fav is probably the mint, pictured above, but they're all lovely.)
Meanwhile, for every bar you buy, Jack's works with nonprofits Children of the Nations and Global Handwashing Day to get a bar to a child in need. My favorite part? Instead of shipping froofy fancy soap from the U.S., Jack's manufactures the donation soap in the country where it's gonna be donated, thus avoiding extra shipping and helping the local economy. Right now they're working in Ethiopia, with Haiti on the horizon.
What if everything you bought magically sent a version of itself to someone in need? It'd be like TOMS meets "The Sorcerers' Apprentice"! Crazy! I'd totally think harder about what I bought. Example: I want a new blender. Does a child in Haiti need a new blender? Hmm, maybe I should buy lentils instead. Bam! I'm a better person.
I also think this soap would make a stellar Easter present. Hint, hint.
∞ posted at 04:40 by reportingrzurer
Pawesome's dollar for dollar campaign! Donate! »
The awesome website Pawesome, ye of the fantastic pet news and also cutest animal shirts ever, has a dollar for dollar campaign going on with Berkeley East Bay Humane. So, donate! And have your dollars matched! And save dogs and cats! And then eat some cake, you deserve it, you're such a good person. Attractive, too. You've really got it all.
From Pawesome's donation page:
When Pawesome was nominated for a Petties award, while we were stoked to be recognized for our pawesomeness, we were more excited about the prospect of donating our $1,000 prize to the Berkeley East Bay Humane Society. In May 2010 the organization suffered from a fire that gutted their facility and they've been struggling to raise funds to rebuild. While it's a bummer we didn't win a Petties, Pawesome has decided to give back to the Berkeley Humane Society anyway and we would love your help.
Pawesome will match your donation to the Berkeley East Bay Humane Society, in a dollar for dollar campaign. We can give a maximum of $500, so with help from you guys, we can all chip in $1,000 to this wonderful organization.
To participate, simply select the Shelter Fire Relief Fund button on the BEBHS donation page, make your donation, and then forward your donation receipt to pawesomehelps [at] pawesome [dot] net.
∞ posted at 14:19 by laurahooperb


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It would have been helpful had the listing shown the size of the balls. They did not fit the gun for which they had been ordered and the gun they do fit, tho' ordered, was not sent (and is now on back-order, thereby buggering up its value as a Christmas gift).
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You get 20 regular balls and 20 glow-in-the-dark balls. Includes 15 balls. Measures 21 3/8 x 2 x 5 1/2."
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Book Review: The Automatic Millionaire
Published on - October 23rd, 2007 (by J.D. Roth)
David Bach is perhaps best known for coining the term the latte factor, a phrase that has almost become a joke in personal finance circles. That's too bad, really, because Bach has some good ideas. And the latte factor is a marvelous concept, applicable to many people who casually spend their future a few dollars at a time. Bach's most popular book is The Automatic Millionaire. I've referred to it often, but never reviewed it until today.
The Automatic Millionaire is based on sound financial concepts. The author encourages readers to eliminate debt, to live frugally, and to pay themselves first. But the core of his book is unique: rather than develop will power and self-discipline, Bach says, why not bypass the human element altogether? Why not make your path to wealth automatic?
The latte factor
Bach argues that wealth is not a product of what we earn, but of what we spend.
Most people believe that the secret to getting rich is all about finding ways of increasing their income as quickly as possible. "If only I could make more money," they declare, "I'd be rich." How many times have you heard somebody say that? How many times have you said it yourself? Well, it simply isn't true. Ask anyone who got a raise last year if their savings increased. In almost every case, the answer will be no. Why? Because more often than not, the more we make, the more we spend.
Bach has an excellent point. Remember how you used to live when you were in college? How much did you spend each month? How much do you make now? If you lived like a college student, what sort of monthly surplus would you have now? If you lived like this for five years, how much could you sock away? What if you lived like a college student for ten years?
Even if you choose not to reset your lifestyle to what it once was, Bach suggests that it's important to examine your current expenses for subtle small drains. If you drink a latte a day, you're probably spending about:
- $3.50 a day
- $105.00 a month
- $1250.00 a year
- $12,600 in ten years
Each person's latte factor is different. For my wife, it's actually lattes. For me, it's comic books. Regardless, Bach says that if instead of spending money on our splurges we invested an equal amount, we could be well on your way to becoming millionaires. He's doing nothing more than stressing the incredible power of compound returns.
In essence, a latte doesn't just cost you $3.50. It costs you $3.50 plus the potential compound returns over the next 20 or 30 or 40 years. You're not just spending pocket change — you're spending your retirement.
If we can forego these indulgences and funnel the money toward savings, we'll profit in the future. But the problem is — we like our 180-degree nonfat lattes. We're not about to give them up. How do we bypass the human element?
Make it automatic
You've all heard that you're supposed to "pay yourself first". But what does this really mean? This concept simply states that before you pay your bills, before you pay your taxes, before you pay anything else, you set money aside for yourself. This isn't money to spend, but money to save for the future.
"But how can I do this?" you might say. "I only make minimum wage." It doesn't matter. This principle says that no matter how much you earn, you must force yourself to set aside something for your future. If you don't do it, nobody else will.
But, Bach says, human nature makes this difficult. Most of us think we don't have enough to pay ourselves first. Whether we earn $8 per hour or $80 per hour, there's always something to spend the money on. Bach writes:
In order for Pay Yourself First to be effective, the process has to be automatic. Whatever you decide to do with the money you're paying yourself — whether you intend to park it in a retirement account, save it as a security blanket, invest it in a college fund, put it aside help you buy a house, or use it to pay down your mortgage or credit card debt — you need to have a system that doesn't depend on following a budget or being disciplined.
The best way to do this is to make our savings automatic. For some people, this is easy. If your employer offers a retirement account such as a 401k, take advantage of it. Max it out. Contact your human resources department and request that a fixed percentage — 5%, 10%, 15% — be transferred from your paycheck to your retirement account. It's best to do this now, but if you think you can't possibly survive without the money, then wait until your next raise. Instead of taking the raise in your paycheck, have the increased income set aside in your retirement account. Continue to live on the amount you've been earning.
What if your employer doesn't offer a 401k? What if you want to do this on your own? Open an Individual Retirement Account. (We covered IRAs in detail earlier this year.) "Whatever type of retirement account you open, arrange to have your contributions automatically transferred into it, either through payroll deduction at work or an automatic investment plan" run by a bank or brokerage firm.
Make it all automatic
If you can make saving for retirement automatic, why not do the same thing with your other financial obligations? The Automatic Millionaire features chapters on how to automate emergency fund savings, how to automate housing payments, how to automate debt payments, and how to automate tithing (or charity contributions). Bach's basic tenet is this: by removing human nature, we can automatically do the right thing with our money. We can strive to become "automatic millionaires".
(Much of Bach's writing reminds me of my own pursuit of paperless personal finance.)
If you have your personal finances in order, you probably don't need to read The Automatic Millionaire. But if you're struggling to gain control, this book can make a big difference. I read it in the winter of 2005-2006, as I was beginning to take control of my money. I learned a lot.
I'm not sure that it's important to own The Automatic Millionaire — once you've read the book, you get it — but I think many people can learn a lot from what Bach has to say. This book is ubiquitous. You probably know a money-savvy friend from which you can borrow a copy. I guarantee that your local public library has it. If you've been struggling to set up a retirement plan, I encourage you to read The Automatic Millionaire. It just might change your life.
October 21st-27th is National Save for Retirement Week in the United States.
This article is about Books, Investing, Money Hacks, Retirement
This book is a must own for any personal finance library. The principals are rock solid and Bach is a fairly amusing guy.
1) The suggestive pic for one of your advertisers "seekingmillionaire.com" is a bit much imo…
2) Great review. I've just put the book on hold through my local library.
I'm a big fan of doing things automatically since I discovered that bills don't pay themselves if you just leave them on the side, but instead accumulate late fees.
I'd really encourage people to give this a try. My wife and I have only been doing this for a couple of years now, but you would be amazed at how much of your income you can live without. Start small at first…maybe just 5% of your pay. Once you get used to that, up it 2%. Once you start seeing money in the bank, it is much easier to find even more ways to save.
My thoughts. I agree, 100%, with auto-savings. My husband and I both max out our 401ks via auto deductions by our employers. We also have an auto deduction set up for our emergency fund savings account which gets deducted first before we pay others. We do this auto retirement investing and auto emergency fund savings even though we are paying off $55,000+ in debt this year (contrary to Dave Ramsey).
I also find that the more I think about financial health the more I think its very similar to emotional health. People often think I'll be happy when …. fill in the blank (new job, new house, meet the man/woman of their dreams, etc.). For me, I figured out that I have control over my happiness, regardless of what external events are going on in my life I'm happy now. I think money health is very similar. People say (I used to be one of them) I'll increase my savings when, I'll decrease my spending when, I'll keep my credit card spending under $1000 a month when…. fill in the blank. Its so easy to keep putting off paying off debt or putting off investing or putting off savings because there are just so many other things to spend money on or other bills pop up. One day, shortly after reading Total Money Makeover, I said I'm not spending money via credit cards ever again and I said to my husband we're going to pay off all our debt this year. Its amazing to me now, looking back at what we have accomplished thus far this year, to discover that when you make such a commitment what you can get done. I'm ready to train to climb Mt. Everest at this point.
Thanks for the review. I hope you can review more books
This is a great book with a lot of "Ah-ha" moments. Most of the information is so simple that if you apply the principles you are well on your way to getting your financial life in order.
I picked up this book from the library and read it in one sitting. I could not put it down. It lit a fire under me. That night, I increased my 401K % and set my Roth IRAs on auto-pilot with automatic deductions. I also opened ING savings and checking accounts to manage and automate my bills and saving for my emergency fund. Within 3 days I had the bulk of my finances organized and automated.
If you are struggling on where to begin, read this book and start automating.
I really like the idea of automatic millionaire and the idea of saving with out too much radical change to your lifestyle. It just shows you don't need to make radical changes to save money.
I do get the point of this, but dammit, leave my lattes alone!! I don't have cable, I don't drink sodas, I don't even drive my car to work anymore, but lattes is where I draw the line!
Hm. I'll have to see if my school library has this book on hold.
Great idea to automate these things. It makes life a lot easier.
What would make this simpler still is if you got paid on the same dates each month! My wife gets paid on the last Wednesday of each month (just once a month in her job – nurse in Scotland), but that can be anywhere between the 22nd (if you're in February) and the 31st of a month. As a result I tend to resort to processing these payments manually once she has been paid.
I'm thinking of dabbling into reading PF books, and this is a good candidate for my first, so thanks for the review!
As far as doing financial things automatically, I'm a little skeptical that it would work *for me*. I like paying bills, paying my mortgage, moving money around between my checking and savings, etc. I don't mean I like giving my money to banks and credit companies, but I mean the actual financial act of paying feels good to me. It makes me feel responsible, and it makes me feel like I'm accomplishing something, and since I check my various accounts almost weekly there is a lesser chance of a problem like overdraft or missing a payment.
I really enjoy the simplistic approach of the automation in finances. I actually have taken to buying the 'Smart Couples Finish Rich' for anyone of my friends that either buy a house or get married. I sure hope it helps work out for the best.
Oh, I forgot to add, I haven't actually started saving until 3 months ago. I was aggressively paying down debt and felt like my money would be put to better use doing that rather than saving. Even though I saw huge gains in this area, I kind of regret not saving at least something. Now that I am socking away 40-50% of my take home into a high yield savings, I absolutely love the feeling of watching it grow every month. Its funny that I can get that feeling over seeing the bank put $6-$7 measly dollars in my account, but it happens just the same. If I would have been reading pf blogs a couple years ago, I would have been more diligent about saving even small amounts.
Any diet that results in extreme deprivation, financial or gustatory, usually backfires. So be it a latte or rock concerts, good wine or flowers, you need to budget in some pleasure in life. Just so the book takes that into account….
I read and reviewed this book too. Everyone focuses simply on the Latte Factor and cutting that small daily indulgence and turning it into savings. I don't find anything wrong with that. But what bugs me is that most people don't point out what is wrong with his book. They only accentuate the good things.
I think his tables at 10% ROR are too optimistic. (I mean, when a lot of people default their 401k investment in a moribund 4% APR bond fund, is 10% a really good example to use or is it just dazzling readers with high numbers to convince them of his position?)
Sorry to be kind of grouchy, but beyond the basic principle of making automatic deposits for saving and paying yourself first, there's not much else to the book. (The McIntyre story is a few short pages and illustrates his whole principle. After that you can stop reading. I was convinced in 5 pages!)
I could keep griping, but your readers can find the two part review on my blog, both the good and the bad.
Not to be the black sheep here, but I have some serious problems with the teachings of David Bach (I'm in awe of him as a writer though). Specifically, the idea that you should focus exclusively on saving more money rather than making more money is… mathematically unsound.
All other things being equal, who is going to become a millionaire faster?
1) The high school teacher making $32,000 per year and saving 10% ($3,200)
2) The radiologist making $350,000 per year and saving 10% ($35,000)
Sure, your expenses increase as your income increases, but the ratio can still stay the same. In fact, I believe it becomes much, much easier to save your money as you make more money.
Three of my investing partners are doctors. I've seen their financial statements and helped them make real estate investments. I'm sure not every doctor is the same, but two of them save approximately 30% of their income and one saves 70% of his income.
Of course, not everyone is going to be a doctor, but increasing your income can make it much, much easier to start saving more money. Even if you only increase your income 10% by 10%, then you can increase your savings by 10%. Just keep the ratio the same.
In my opinion, the true road to wealth is both making more AND saving more.
While this book didn't lead me to the automatic pay-yourself-first lifestyle, ever since I set up automatic deposits from my checking to my savings accounts, I never worry about putting money aside.
In fact, I love getting the (too many) emails from HSBC telling me that they're going to transfer the money.
The best advice I've gotten on boosting savings: If you get a yearly raise from your employer, take that moment to increase your savings to a 401K (or IRA) by 1% of your salary. Say you get a small 3% raise. Moving 1% to your retirement makes still gives you a 2% boost in take home pay. You'll never feel the pain of lowering your take home. Keep doing this year after year and you'll be eventually be saving a pretty healthy chunk of your salary.
"The Automatic Millionaire" was a great help for me when I started getting serious about personal finance. I think it could be the basis for class for high school seniors, I sure wish I had taken that class.
I wonder why the latte factor has become a joke? I, too, think it's a great concept. For fun one day I went to a compound interest calculator and put in only the cost of a soda at the gas station. I was surprised to find out that bottle of soda that I thought cost me $1.40, would instead be worth nearly $70 if I saved the money for retirement instead. That's one expensive soda!
Personally I can't stand the automatic payment. All of them fall on different dates and it drives me nuts!
I always sit down the morning I get paid and pay every single one of the bills I owe on my computer and have it come out as close to that day as possible. I try to keep a couple hundred in checking as a pad and use that to take any friviolus spending or emergency cash out of. So by the time the next check comes around and I can see how much 'overflow' there is and if there isn't much I know that we need to look at exactly where that money is going.
books on becoming millionaires will be more and more common with inflation. The truth is that you can spend a million in retirement easy. You could also retire with a lot less and be happy. I have an engineering background, and I always think of money from a thermodynamics perspective. Q in and Q out. it's all about the flow.
Well, apparently I have been doing just what this book suggests, even though i had never heard of it! I have all of my bills that are the same each month done automatically (having the power company put me on the "budget" plan where they equal out all my monthly payments over the year REALLY helped).
You have no idea how much my mother (I'm 26 for freak's sake!) worries over this! She worries about "the identity theft" and other such things.
Personally, i love it. I never have to worry about saving enough money to pay my bills: They're already payed, with money i "never had," since i have them deposited into a different account [automatically] then what my checking account is. It's SO nice to know that A) i have the money to pay those bills; B) that i don't have to worry about missing (another) deadline!
I think the key is to be aware of what you're doing. What you don't want is to visit the ATM on the 15th, discover you're overdrawn – and you don't get paid til the 30th…
FWIW, other ways to save automatically are:
– Make your direct deposit put some money from each paycheck into savings. Or if your employer makes that hard, set it up as an automatic bill pay at your bank. (Building emergency fund or IRA contribution.)
– Setup an electronic transfer of $50 or $100 or $500 / month into the mutual fund you designate. Vanguard rocks for this. (Investing in addition to 401(k), or instead of if your 401(k) sux.)
"The truth is that you can spend a million in retirement easy."
I don't know. its pretty easy to make $50K a year off of that much, just by investing in low interest low risk investments. $50K is more than alot of people make at their day job. Depending on how you structured it, you could even roll 5% back into the investment to combat inflation and you might still be doing better than the median income in this country even after taxes. Now, you won't be jetting off to maui on a whim on that kind of money, but its still a pretty nice chunk of change for doing absolutely nothing at all.
Also, don't forget you would not have to continue to save 15% of your income for retirement anymore, as you will already be retired.
I've always been curious about this book, but much of it appeared to be common sense rather than new information. Having rea the review it certainly appears to be the case, thanks JD!
What I don't really see addressed in many articles like this, is where is the line between being a saving/frugality nazi and having a nice quality of life? I don't mean that someone has to have say, three lattes a day. While I agree that little things definitely add up over time, I think the focus should be more on following a sound budget that allows for "pocket money" which can be spent as the person chooses.
I generally think of frugality as how children should be managed: when you take something away from a small child, you generally need to give them something else to focus on, or they're going to get cranky. Ergo, if someone is told they have to give up all their little indulgences, they're going to get cranky and ultimately, resentful. I'd much rather see an article saying "giving up the lattes *twice a week* will allow you to do x."
Frugality should not be about a total excision of quality of life. Unfortunately, this is how it seems most personal finance writers talk about it.
This sounds like a great book. Thanks for recommending it.
I've been reading your blog for a while and have found it very helpful and inspiring. But I was shocked at the sexist seekingarrangments.com ad that has been added. Could you try to block ads from that site too?
Actually there is a book that takes the indulgences into consideration: Your Money or Your Life by Joe Dominguez and Vicky Robbin.
One time-consuming but ultimately eye-opening exercise in that book relates to determining how much time you need to spend working to purchase an item. (Factors in commute time and unreimbursed job expenses.) The whole point of the exercise is to bring balance into your life. Is it worth working x hours in order to buy that latte? those new shoes? go on vacation?
I have found the exercise worthwhile, and have used it for years when making purchasing decisions.
I haven't read the book, but I've listened to a podcast of Bach giving a presentation about the Latte factor and a few other concepts. I was already doing many of the things he spoke about, but the concepts made me think about what I was doing and how to relate the idea when speaking to other people. Even if you have your finances in order, reading this book, or being familiar with the concepts, is a good way to solidify your own thoughts on investing.
I haven't read the book, but I already do everything it's talking about right down to automatic charitable donations. Guess I don't need to read the book.
oh to be young and foolish again
Thanks for the review — sounds like just plain old common sense. I won't bother to read it. I suppose some need to hear it though. –sigh–
Thanks for the review. I've just started reading PF books and will certainly add this to my list at the public library. Even if only 5 pages are worthwhile, any tips I can pick up or even just reinforcement of trying to change my spending habits is extremely useful to me at this beginning, "transitional" stage.
LOVE this book – have read it three times just to read the McIntyer's story! Why? It is an inspiring, true story that gives your average Joe hope (and the how) that this can be attainable. My husband and I have been slowly but consistently using David Bach's advice for 3 years and let me tell you – the future is so bright, I gotta wear shades.
Our finances are pretty automatic. My pay gets split between two accounts (my sanity allowance, and our savings). My husbands gets split between the bill paying account and his sanity allowance.
I don't even notice if I get a raise, because the balance of my pay ends up in the savings account before I see it.
#18. Jon Morrow. On one hand I agree with your criticism about earning more ultimately meaning more than saving more. I've had to do that analysis on more than one occasion: no amount of making my own lunch would make up for the drop in income if I went from my current high-paying job to working minimum wage.
On the other hand, many people have more control of the spending aspect than the earning aspect, so a focus on both have their place.
Back when I was a financial advisor, this is the book I gave to every new client. Yes, its quite basic to those who pay attention to finances (such as those who frequent financial blogs) but is is pure genius to the average person. Another one I like for a basic grounding is "The Wealthy Barber". I would like to see both books become required reading in high schools.
I recently started a job with a bank, and realised that a lot of people overdraw their accountts when setting automatic payments. A lot of people tend to neglect keeping an eye on their finances or believing payroll will always get it right.
For me I set a recurring alarm on my mobile phone calendar to prompt me on payday. I'll check to make sure payroll has done their job and if they have I'll immediately transfer extra savings to a high yield account. And also make sure that I have transferred sufficient funds to my other accounts where mortgages/insurance/bill payments are automatically deducted.
#39. Daria. I understand. You can take immediate action by focusing on frugality and see immediate (if small) results. Stop buying those lattes and going out to dinner and you'll notice a few more bucks in your bank account by the end of the month.
On the other hand, I believe people *think* their income is harder to control, when it's not. Potentially, you could go in tomorrow, ask for a raise, and increase your income by 20%. You could also move your savings out of slow growth securities that earn you 5% and buy a foreclosure that earns you 30%.
I'm not saying you should do either, necessarily, but I think you *can* control your income. It's not always as immediate, but immediacy and control aren't the same thing. Focusing on making more money is just as important in the long run.
Then again, I think you may have been agreeing with me on that point.
This was a nice review of a book that I like. When I first read it, I began by making my savings automatic (at that time ING), expanding my 403B to 5%, and starting up a Roth. I read it again a year later and pushed me into saving about 20% of my income. It is a simple but sound read…worthy of going back to every so often to remind yourself to save more, make more to save, and be more frugal.
Even if you are unwilling to spend 3.50 a day you can still have your daily latte. Since I bought this
some time ago I can prepare them myself. Don't be talked into buying an expensive machine for it. You don't need it.
I guess it already saved me a few 100 dollars
@Jon Morrow: While true, it's important to spend a little time on increasing income on any personal finance blog, there are already tons of sites and blogs dedicated to that kind of thing. JD's blog is called Get Rich Slowly, and I appreciate that it's not geared towards sketchy wealth-building schemes, and how to live modestly, but also well, on moderate incomes, and save and invest for the future.
Any PF blogs that start talking about multi-level marketing schemes or making millions on foreclosures and I am so out of there. I like discussion of side projects/hobbies used to make extra cash on the side, but beyond that it becomes kind of a separate thing for me, that I'd go to a different reading source for.
Sara, thanks for saying what I was thinking and getting me to reply. I didn't really want the possibility the fact that I might agree with someone who is promising 30% returns on real estate lingering around. I'm tired of random people preaching "passive income". It's one thing to find a way to earn additional side income or asking for a raise, but another to throw all your savings into risky ventures. I've seen too many people hurt with that.
This was the first personal finance book that really got to me. The idea of paying yourself is so simple, but the most impressive aspect is seeing the compound interest. Since I'm just starting out, I realized the amount of time I have is a once in a life time opportunity for my self. This book made me realize why it is important to start saving ASAP.
Mapgirl, I read your good and bad, and don't agree with your bad:
I have issues with your commentary:
Can I just say that suggesting that people are going to lose money in a 401-k over the long term is amazingly irresponsible? You are somehow suggesting that the theory of compounded growth over long periods does not hold. Are you sure that you have the info to make that call? I don't think you do.
Not only that, by suggesting that a large number of people (who obviously haven't read the book; otherwise they'd have a better investment for their 401k) have a bond fund as their primary investment, which makes the 401k a questionable investment is borderline dishonest.
There are major problems with a 401k, but these aren't them.
10% is not too high. Since 1929, the S&P has returned 12% per year, 10% after inflation. You may suggest that past returns do not indicate future gains, but adjusting from 10% to 7% is completely arbitrary. You may use 8%, I actually do, but it's not anymore *correct* than 10% is. I actually use 8% to make me invest more than I probably need, which is a mental parlor trick I'm playing on myself.
Tax rates are currently lower than they have ever been in the US. I mostlyish agree that you should factor future tax rates into the trad/Roth IRA discussion, but not mentioning this is careless. It's also decidedly more likely that future tax rates will rise rather than fall, due to the SS & health care messes. Plus, medical expenses for someone up in the years will make your needed income much more variable than a young person's.
Plus, your example of moving from $200k (at which rate, you can't even contribute extra funds to a Roth IRA) to $70k at retirement would represent a huge lifestyle adjustment, and one that is probably fairly rare.
The rest of your points are fair and accurate.
Hi Overdog, Thanks for the comments. I replied back on my blog.
Sure it's nice to automate savings. And it's nice to cut lattes. But the truth is if you have a mortgage that is 50% all the lattes cutting won't save you! You are in the red every month by $1k? You need to move, sell the new car, etc.


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These Chaps Festive Casual yoga pants will become your go-to pair. Stretchy cotton blend moves with you for all-day comfort. In black.
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1. Georgia Tech A-back Orwin Smith did not practice Tuesday as his recovery continues from an ankle injury that kept him out of the Georgia game. Smith said Monday that he thinks he will be able to play Saturday in the ACC title game against Florida State.
"We'd love to have Orwin play, he's one of our better players, but if he doesn't play, you can't worry about it," coach Paul Johnson said. "You have to move on."
Smith is Tech's most explosive offensive player, averaging 9.0 yards per carry and 61.2 rushing yards per game. Against Georgia, backup A-backs Synjyn Days, B.J. Bostic and Deon Hill rotated into the game in Smith's stead.
Center Jay Finch suffered an undisclosed injury during Tuesday's practice and did not finish. Finch's backup is Catlin Alford.
2. ACC senior associate commissioner Michael Kelly declined to comment on the possibility of Tech bypassing the Sun Bowl if the Jackets were to lose to Florida State and fall to 6-7 and receive a
Continue reading Tech notes: Orwin Smith remains sidelined »


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Cordless Winter Garden Urn Filler 2 2
Nice looking but no timer I ordered 2 urn fillers and a swag for my front porch. They look VERY NICE...BUT berries were already cracked off showing the white foam underneath when I opened the box. Secondly, there is NO TIMER. So, yes, you can place them anywhere but you will have to shut them off. Maybe better for warmer climates or inside as I can't imagine opening my windows to shut off window swags or running to the front porch in the cold Chicago winter to shut them off. November 24, 2013
Love this arrangement I bought the Winter Garden window swag and I love the look of the arrangement. It is really a beautiful and lush swag that looks great. Unfortunately, the door wreath and other accompanied pieces are sold out. Will you have more available in January? Are you planning to offer the same Winter Garden set for next year so that I can add on to my decorations? December 3, 2013
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What are the dimensions of only the foam insert?
9 months ago
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Answer:Thank you for your interest in Grandin Road. The foam insert for the urn filler measures 8"H and is approximately 7 3/4" diameter at the bottom, and approximately 9" diameter at the top.
9 months ago
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I for one miss the priest-robe quest. I just rolled a priest to level it to play with someone on a different server and ...it's GONE! I hadn't seen the belf quest yet - I'd seen the options for the other races, or found the wounded NPC you had to go and heal. Noooooooooooo!
My very first character was a priest who didn't quite understand his instructions and ended up wandering around virtually naked in a field full of robes wondering how he "fortified" someone. When I realised it was Power Word Fortitude that they meant, I did it, was rewarded with my robes, and then deleted the character out of frustration and rolled a nelf hunter, never looking back.
Oh well. /mourn.


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letlive. have begun writing their next record. Check out a message and picture from the band below by clicking "Read More."
Following the collapse of D.R.U.G.S., Underminded are reuniting. Check out a picture Nick Martin tweeted below by clicking "Read More."
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FUCKING YES. I still believe they're one of the most underrated hardcore bands out there.