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American Express has formed a partnership with Foursquare and others to change coupon offers from traditional to digital. Eliminating the scissors and envelope to automation will speed the transactions and improve data collection. (and reduce employee fraud?) 7PUB3GDHMW6N
American Express and the social networking service Foursquare have launched a partnership that enables American Express card members who link their Foursquare profiles to their cards to "load" to mobile devices and redeem merchant specials without the need for coupons or special codes.
American Express uses Smart Offer Engine to leverage their services. Card holders link their card to their Foursquare profile to see specials. When they find a special offer they want to take advantage of, they check in to the merchant and load the special to their card. Sounds simple.
The first partnerships enable with the Smart Offer Engine were with Foursquare at South by Southwest and LevelUp, which is a product of SCVNGR.
Will this catch on? The appeal of an automated system similar to the now common grocery store loyalty discount card will certainly become popular quickly.
First go to AmericanExpress link: https://sync.americanexpress.com/foursquare/
Read the simple instructions:
After you test the system and understand the thought process of how or why your guests may have interest in Foursquare, your management team will need to evaluate the pros and cons of including this into a marketing plan.
New changes are around the bend. Too early to say whether it will be a hit but I believe there will be eagerness to participate because of the automation for all concerned.
This will also challenge the perception of value. If your restaurant is successful because of its reputation, continue to raise the bar and engage the guests. They will soon have the distraction of more new widgets, gizmos, social media and good deals.
Don't know how to use Foursquare? Watch this video.
Automatic couponing will be another trap just as the deal of the day offers will be. Once a restaurateur goes down the road of deep discount, it is a tough road to get off.
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I enjoy sewing and made it my life's work. As an offspring of my business Fruition, I created Tiny Finery...a line of childrens clothing and accessories. I also teach creative sewing in the area which I find to be very rewarding. Folks that think "they can't" find "they CAN!" and I've discovered another sewist!!!
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Augmented Art
Working in advertising, I've been extensively exposed to augmented reality, QR codes and the like, but I found Jason Tetlak's booth at One Spark that uses art as the medium pretty interesting. It was fun to see the how his work encouraged interaction with the viewers, who were all excited to download the free app and discover his hidden messages within each painting.
Want to create your own? Download the app here.


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Why Religion is an Important Part of Personal Finance
Published on - July 15th, 2007 (Modified on - July 17th, 2007) (by J.D. Roth)
This is a guest-post from Free Money Finance. J.D. is on vacation in Europe.
This guest-post has had some very passionate comments. I felt it appropriate to reference J.D's thought on the matter included in this article "I've intentionally kept my political and religious leanings obscure at Get Rich Slowly — they have no bearing on personal finance." However, FreeMoneyFinance disagrees and took time out from their very busy schedule to post a very lengthy and well-written guest article with a counter-viewpoint. –jerichohill(admining while JD is away)
Recently J.D. and I were emailing back and forth discussing a possible guest post on the topic of religion and money. I cover the issue every Sunday on my blog and I tossed out several ideas I thought were worthwhile. Then J.D. said something that decided the issue. He wrote: "I've intentionally kept my political and religious leanings obscure at Get Rich Slowly — they have no bearing on personal finance."
Ahhh, but they do — or at least the religious leanings do. (I'd argue that political leanings probably do too, but that's for a different post by a more-qualified blogger.) So I'd like to discuss why I think a person's religion should impact their finances. I'll toss out a few of my thoughts on the issue, then let all of you chime in with your points-of-view in the comments.
I'll start with a couple statements so you can get a sense for where I'm coming from:
- I'm a Christian and, as such, I have the most knowledge and experience on the various Christian viewpoints on money, how to handle it, on so on. My knowledge of other religions' beliefs on money can at best be described as "limited," so please forgive me if I make an inappropriate comment. It's certainly not intentional.
- That said, I think my point-of-view on religion impacting personal finance is true for all religions — Christian, Jewish, Muslim, Buddhist, Hindu, and so on. I think you'll see why in a moment.
Now to the heart of the matter. Here's my short and sweet position on why religious beliefs should impact finances:
Every religion has a set of principles detailing how a person should behave, worship God, treat others and the like. For each of these principles, a context could be (and most likely will be) experienced where money is injected into a situation that challenges a person to either follow or ignore these principles. In other words, how a person reacts with his money in a given situation often is fundamentally tied to whether or not he's actually following his religious practices — it's a visible, outside indication of his true belief in the principles of his religion. Therefore, it follows that our religious beliefs should significantly impact how we handle our finances.
How does this play out practically? Here are a couple generic suggestions that illustrate how religious beliefs should impact how money is handled:
- Almost every religion has some sort of principle that says we should treat our fellow man kindly. Furthermore, many religions go a step further and give specific instructions on how we should care for the poor and down-trodden in society. Does this have any implications on our personal finances? Of course. It impacts how we give to feed and clothe the poor, how much we give, to what organizations and the like. It even influences our reaction to a request from a homeless man for a handout or a request for a donation from a foodbank. Taking it back a step further, it even suggests how we budget our money — being sure we set aside enough to help care for the needy.
- Almost every religion has some sort of principle that includes the worship of (and service to) God, Jesus, nature or some higher being or principle. Many religions advocate that we worship God in many ways — through our actions, in song, in prayer, and even through our money. For instance, the Jewish religion has long had the principle of the tithe — giving the first 10% of a person's income as an act of worship to God. Many Christians practice this principle as well, though several advocate a more general principle of "generous giving" over the tithe. But in any case, doesn't it make sense that if we're commanded to worship and serve God that we'd worship and serve him in all ways — including with our money? Certainly this would impact how we handle our personal finances in many ways.
Now let me be a bit more specific. Here are some examples from the Old and New Testaments that impact various aspects of how we should handle or personal finances. Some are commands and some are general principles, but they all influence how we should handle our money:
- Saving: Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest. Proverbs 6:6-8
- Diversification of investments: Give portions to seven, yes to eight, for you do not know what disaster may come upon the land. Ecclesiastes 11:2
- Controlling greed: Then he said to them, "Watch out! Be on your guard against all kinds of greed; a man's life does not consist in the abundance of his possessions." Luke 12:15
- Borrow carefully: The rich rule over the poor, and the borrower is servant to the lender. Proverbs 22:7
- Being generous: You will be made rich in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God. 2 Corinthians 9:7-12
- Helping the poor: He who is kind to the poor lends to the LORD, and he will reward him for what he has done. Proverbs 19:17
- More on helping the poor: If anyone has material possessions and sees his brother in need but has no pity on him, how can the love of God be in him? 1 John 3:17
- Giving: Just as you excel in everything — in faith, in speech, in knowledge, in complete earnestness and in your love for us — see that you also excel in this grace of giving. 2 Corinthians 8:7
I could go on and on (there are hundreds of verses in the Bible on how to handle money), but I think you get the point.
It's a deep subject and I've only skimmed the surface, but we can consider the conversation now started. Please add your own thoughts in the comments below. I'll try to stop in now and then to comment myself and see how the discussion is progressing.
Thanks, FMF, for tackling this subject. Folks, I generally eschew religion and politics at this site, so if you've been wanting to discuss issues of spirituality and finance, now's the time to do it. You can read more about the Bible and money every Sunday at Free Money Finance.
This article is about Odds and Ends
Just for fun, I'll repeat that this whole blogged conversation is a wonderful and exciting (to me) example of how fed up we are with religion taking the moral high ground. This could actually be a poll that represents in a real natural sense what the real moral majority of this world feels about what has been done to human beings in the name of religion.
Hello All,
I have never commented on this blog before, so here goes:
1. I enjoy reading this blog.
2. I thought it was nice of the blog author to line up guest writers for his break, as some blogs I read do not do so.
3. I thought it very nice of the blog author to line up authors that have perhaps, a different viewpoint than his own.
4. I am a Buddhist, (not relevant, but perhaps of mild interest to some). I was not offended by the post as I viewed it as the opinion of the author of the post and in no way meant as an insult to me.
5. I found the "take away message" to really be about making sure that your handling of money lines up with your belief adn/or value system, which I can not argue with at all.
Thank you and I hope all have a great day.
I am sure that the author of this post was not trying to be insulting. However, I think that the poorly chosen title and the lack of any consideration for the atheist/agnostic view has alienated many regular readers (myself included).
That said, I certainly won't stop reading this blog because of this post. It's simply one person's view. I don't happen to agree with it, but that's OK. As Penn Jillette would say, it's all a part of "the marketplace of ideas."
I don't know. I think what we're seeing here may be more a cultural issue than a world view. We here in Western cultures are for the most part(regardless of personal belief system) familiar with Christianity and it's various aspects. I'm not saying everyone believes in it of course, just that it's the most familiar and present religion to "Westerners" which I assume is the majority of readers here.
I imagine if this article had been about "Buddhism & Finances", "Hinduism & Finances", or something along those lines, the reaction and conversation would likely be very different. Not to say there wouldn't be disagreements or debate, just that it would be different since most of us are not as familiar with those belief systems as we are with the one used in the post.
How's that old quote go, "Familiarity breeds contempt." Or something like that.
Anyway, the comments here have certainly been interesting in their own right, that's for sure!
I agree completely. Well stated. Many of us found THIS post to be disagreeable. Thats no reason to stop reading GRS. Especially considering it was a guest post.
"I'm a Christian and, as such, I have the most knowledge and experience on the various Christian viewpoints on money…"
I don't think you're entitled to this premise. I went to Catholic school for 12 years and it no more qualifies me to say how I think Mormon or Baptist school life would be than anything else.
Also, as a fellow Agnostic I think the Agnostic/Atheist crowd needs to lighten up a bit.
This post is entirely nuts.
Premise #1: Author has religion
Premise #2: Author likes personal finance
Result: Author thinks it would be kinda neat if #1 could be tied into #2.
Result as contrasted with reality:
By viewing someone's finance habits, there is almost no way you would be able to discern people who believe in supernaturalism from those who do not. Investing, for the most part, is a place where rationality and self-control rules the day.
Sounds like the author just has a really weird lens through which he'd like to view different 'types' of people.
Challenge to the author: given a bunch of bank/brokerage accounts without names attached, would you be able to identify the non-theists vs Jews vs Buddhists vs Christians? (Answer: duh, of course not).
Yet another way that religion simply does not intersect with the real, actual world.
(Unless you take the bible literally, in which case you subsist on very little and give all to your brothers in humankind)
Sean, what's so ironic about this post is that I'm almost positive J.D. himself is an atheist. This post could have been imagined along these lines instead:
Premise #1: Author has NO religion.
Premise #2: Author likes personal finance.
Result: Author thinks it would be kinda neat if #1 could be tied into #2. And of course the super interesting thing is that #1 now really DOES tie into #2. Strong arguments can actually be made from this premise. Here is an example from The Church of Reality(http://www.churchofreality.org/wisdom/welcome_home/):
"People of faith are more easily scammed than Realists. That's because their religion requires the suppression of critical thinking. This makes them vulnerable to scams by people who are in their faith based circle or people pretending to be in their circle."
I think a good argument could also be made that Christians might not prepare as much as they should for their retirement because they figure that "the lord will provide" for them or some insanity.
>I just don't get why someone saying you
> believe in SOMETHING even if you don't
> believe in any god or religion is offensive.
The problem is the confusion of belief (as epistemology) with the colloquial term "belief" which means cognitive content or predictive expectation. The words do not represent the same thing.
Consider the following:
All lemons are yellow.
My car is a lemon.
Therefore my car is yellow.
Words are symbols. The meaning of those symbols is important. If you start switching meanings while using the same symbol, the argument is invalid.
Man, I haven't seen so much rile and ruckus since the Great Debate of Term vs. Whole-Life back in the winter of '05!
Covert7 — hahaha!!!! Of course, you always want to get Term
Be careful Dave… Tossing insurance controversy into this hornets nest is liable to break the inter-tubes!
Let's get the introductions out of the way. I don't go to church. I'm not religious. I don't tithe or regularly give to charity. Having said all of that, I cannot understand the animosity spewed to the guest blogger and the people who tend to agree with his point of view.
Had this man stated, with no reference to religion, that his principles are to be a good steward of his money by saving regularly, diversifying his portfolio and monitoring his use of credit all while giving regularly to charity, the negative posters would have been singing his praises, so to speak. Because he did state all of the above and indicated that they are derived from some of the tenets of his Christian point of view, he is taken to task.
For those posters who are selfishly proclaiming offense where none was intended, you are straw men. You exaggerated this author's point of view to degrade his beliefs and spout your own. You charged that his value system has caused such harm to society it has no place on this blog yet you are free to record your strongly held points of view which are laced with insults to the author and potentially a great many readers. You are hypocrites. You did what you claim his religion does to our society. You took an opportunity to beat someone up because you do not agree with him.
I'm glad this article was posted. It may not have taught me anything about personal finance that I didn't already know but it did offer a much needed reminder that the "truly enlightened" among us are some of the most closed-minded people I have ever seen.
Wow! What a debate. FMF and JD I am with you guys, I appreciate what you do!!
Mike H. — you said in post #95, "I DO believe the Bible is truth (not 'poo-poo'), and as such seek to follow God's teaching faithfully." Fair enough. I'm curious, though, do you follow this teaching from 1 Timothy, Chapter 2:
"Let a woman learn in silence with full submission. I permit no woman to teach or to have authority over a man; she is to keep silent. For Adam was formed first, then Eve; and Adam was not deceived, but the woman was deceived and became a transgressor."
The Bible is very clear here and has commanded you to follow this teaching. However, I can tell from your post that you are a normal, intelligent human being. You will have come up w/ a rationalization (I hope) as to why you don't follow this particular verse or why it doesn't apply anymore or whatever. You see, my friend, you are really an atheist, too, if you would just be honest with yourself.
At my blog, I write about everything that strikes my mind/heart as worthwhile. Money, personal productivity, philosophy, and most of all, Chess. Oh, and Religion. I am just replying to the debate J.D. had with FMF about including religion in the post. I guess because I don't cater to many people's feelings, I don't worry about what they will think about my religious views. I guess, in a way, people out to embrace you for who you are… your financial knowledge, you family, your friends, and your values. Whatever makes you the person you are. I take it that religion is a major part of J.D. and surely that of FMF. When people are reading your "thoughts"/expertise/observations, they must know that they are not just reading words. They are reading a whole person who has tried to sum himself up in a post. (I think).
Some people look at religion as the soil, that has to be dug out, before you get to the gold or diamonds. They would prefer not to mix the two. Others look at religion as a postmark or some decoration – that says what lies underneath is of great value…
If you don't like religion, you can still benefit from the wisdom that is buried in it.
That's my move 1.e4!
I, too, agree that many of the people posting here are attacking the poor guest poster and his belief system. Only the argument/logic should be up for debate.
Thank you, I found your website because of this one post and I am going to subscribe. I looked around, saw that I can learn a lot and I will be back.
OK OK, enough with those who are just poking at Christian-nests with sticks in this thread (Dave . That is pointless and just gets people riled up.
Ron, let's not confuse "challenging some internet horse-hocky" with "animosity". I doubt there's a lot of animosity behind these posts. Let's not feed into the "persecuted majority" myth that some people have.
Let's get real here. Responding to a blog post in comments, without using ad hominem attacks or other defamation, in a way that is topical to the post (ie, personal finance), or addresses the assertions made in the post, is totally normal, agreed upon, and (honestly, from most conversations I've seen) polite here. If everyone keeps their cool and doesn't play the persecution card, the thread can live out its useful life without any pointless flamewars.
Nobody's mind is going to be changed by anything in a blog argument (IMHO). To see out of the veil of religious belief requires time, experience, and personal study, in my experience.
One more comment, after re-reading the initial post: Really, lighten up people. Get Rich Slowly is a variety blog. It's not the Financial Times, it's more like Readers Digest, or USA Today. There are occasionally some meaty topics, but there is also a fair bit of fluff/inanity.
The main point is to get people THINKING about personal finance. If someone is facing challenges in this regard, and the only way to get to them is through his or her paranormal beliefs, then so be it!
Cheers to G.R.S. blog and community.
Does anyone have any solid statistics on the average wealth of Christians v. Atheists, or the religions of the world's wealthiest citizens and their charitable habits?
I hope you are not experiencing too much grief by letting this post run while you were gone. You took a big risk to be open-minded with an unpopular point-of-view.
I am a follower of Jesus Christ and his teachings. Part of me is saddened because as I scroll down the comments, I see a trail of people who have had experiences with "religion" so bitter, that they have had intensely strong reactions only at the mention of it.
Anyway, I agree with FMF that that "religion" does have much to do with personal finance, but I would not use the term "religion". I think "worldview" may be more appropriate, since not everyone claims a religion, but you cannot escape having a worldview.
Your worldview shapes what value you assign to a dollar, and what value you assign to the things you will trade that dollar for.
I would be interested in reading more posts like this, but from other points of view (i.e., not Judeo-Christian).
I think the cat was testing the mice to see if they really do play while he is away.
Ron, post 113, said
'For those posters who are selfishly proclaiming offense where none was intended, you are straw men. You exaggerated this author's point of view to degrade his beliefs and spout your own. You charged that his value system has caused such harm to society it has no place on this blog yet you are free to record your strongly held points of view which are laced with insults to the author and potentially a great many readers. You are hypocrites. You did what you claim his religion does to our society. You took an opportunity to beat someone up because you do not agree with him.
I'm glad this article was posted. It may not have taught me anything about personal finance that I didn't already know but it did offer a much needed reminder that the "truly enlightened" among us are some of the most closed-minded people I have ever seen.'
No religion is free from criticism. He published his views on a public forum, asked for people to respond to his views, and that is what he got.
The fact that people strongly disagree with his statement about 'why religion is important to PF', or his views that 'our religious beliefs should significantly impact how we handle or finances' or his 'examples from the Old and New Testaments that impact various aspects of how we should handle or personal finances' or how he provides some 'generic suggestions that illustrate how religious beliefs should impact how money is handled' does not mean that people are being mean and nasty to the poor, set-upon author.
The tone of the article was rather preachy, with an automatic assumption in the article that the author's point of view is obviously right, and that the bible (a book not everyone believes was written by people touched by god) provides the answer to sound financial management.
Your argument that people who disagree with the author are 'free to record your strongly held views' that a post like that shouldn't be on this blog, even though our views may cause offence to some people, doesn't make any sense. The author was free to post his article on the blog itself, something most of us are unable to do, and he didn't take awareness that his strongly held views may cause offense among those who disagree with him. Just because you are unable to see any offence in the article doesn't really matter.
It does seem that you're getting upset that so many people have responded negatively to the article have pointed out some inherent flaws in the argument for religion (which does have a bearing, because if you're going to quote the bible, surely people are free to quote alternative biblical quotes back, especially if they expose contradictions). He asked for a debate on his views, and that is what he got.
I think a poster calling the author a "moron" falls within the realm of anamosity. As is comparing what this man believes to Santa Claus or other mythical characters.
The author called for a principled debate about the connection between personal finance and religion. In general, he got attacked because of his particular religion. Had the author chosen another backdrop to color his comments instead of Christianity I doubt the responses would have been so personally debasing. What's more, your statement that defending against this is feeding into the "persecuted majority myth" is akin to saying "shut up and take it".
Tom: "Taking offense" to another man's opinion has become a national pastime in this country. Really, are you in any way affected that the author may use the Bible as guide to living his life? I'm not. I couldn't care less. There was nothing offensive about this article. He did not fail to show regard to others by posting it. He stated his opinion and asked for debate. He received some of that and much more.
And it is hypocritcal for responders to state this type of article should not be posted while they opine the opposite point of view.
I agree people should be allowed to show the contradictions of organized religion. I could point out many inconsistencies present in the Bible, more than were cited here. I am not "upset" that negative posts pointed out flaws in the author's religous views. I don't care about his religous views. They are not mine, they're his. My point was and is that the author asked for a debate regarding religious practices and PF not the the accuracy of the Christian belief. I am curious as to what drives men and women in handling their money so from that point of view I found the article interesting. What caused me to post a comment was not a desire to defend the Christian religion. Let those that practice it do that. I would simply like to read other perspectives without the personal insults.
let's all put this into perspective, because I am really tired of people characterizing this discussion as "bashing" or somehow out of control or uncivilized.
there are currently 125 comments in this thread. of the 125, only 12 (10, 18, 27, 46, 54, 60, 65, 85, 87, 35, 36, 113) could be considered "negative", mocking or confrontational. of those 12, 3 (18, 29, 46) are merely disrespectful. and only 4 comments (10, 35, 36, 113) out of this entire thread of 125 actually contain personal attacks. most of which are mild, and only one of them (comment 10) is truly harsh, and should probably have been deleted:
So which of the wealthy electronic ministers who regularly fleece the flock do you really want to be? Nice description of chinese menu christianity you wrote. What ever fit your argument you used. What ever did not, you ignored.
You are a moron.
contrast that with the 29 comments (33, 38, 39, 40, 42, 43, 44, 47, 60, 71, 80, 81, 83, 87, 92, 93, 96, 97, 98, 106, 110, 112, 113, 117, 119, 120, 122, 124, 125) that characterize this discussion as out of hand, and you will rapidly see that the claims of negativity and harshness are simply hype and overreaction. in fact, people here have been remarkably civilized in discussing a very controversial topic. let's recognize that and stop making false claims of incivility. it's inaccurate and even disingenuous to do so.
Thank you for putting these posts in perspective for me. Until you did so, I did not know what I thought or what camp I was in.
I noted you did not list any of your posts in a category so you must be the only poster who is not saying anything controversial, negative or filled with hyperbole, right?
You find the post "incredibly offensive and presumptive" and "insulting". (Comment #17). Really? Was it really all that? Please.
Or how about "…religious people are so used to having a free pass and not having to actually back up their assertions that when people take a questioning or critical stance toward religion, they immediately get labeled as vicious attackers." (Comment #90). I don't think anyone has called you or anyone else a "vicious attacker" literally or in any connotation. Such sensitivity is really over the top.
And just so you understand that I'm not trying to argue every point to death, I agree with most of your statement in Comment #41 and felt it was one of the few on topic responses.
ron – your comments have been among the most inflammatory, so enough said.
I've long felt that people hear/read/see what they want, and this adds another piece of evidence.
I've re-read the post 3 times, I can't see where it says that aethiests don't have morals. Or where it is trying to exclude all views except the Christian view. But there are those who are hyper sensitive to that sentiment, and see it there.
To me it just says "A persons beliefs affects their choices." Well, duh.
As a side note, Thomas in comment 20 suggests that Leviticus prevents Christians from collecting interests. He missed the sentence prior: "If thy brother be impoverished, and weak of hand…"
Interesting guest article. As an atheist myself I found a few points in common with it based on my own moral code in general and specifically with giving to those in more need than myself REGARDLESS OF RELIGION.
With that being said, I'm probably the most lazy atheist in the world… I don't go to meetings, I'm not a freethinker, I don't try to point out what I feel is wrong with religion to others, I refuse to debate, everyone has given up on "saving me" and I'm not even getting off the couch much less "looking" for Jesus.
So that got me thinking… am I the ULTIMATE ATHEIST? I'm so into non-believing that I can't even believe I'll make an impact on someone else. Yep… seems to be the case. I'm the best atheist there is!
Seriously folks, its just a guest column so there is no need to go crazy over it. Really, its just too much work!
Whew, I take the afternoon off to sit in the sun and read Bangkok Haunts and when I come back to check the mail one whole page of my inbox is full. So first let me say that anyone who would quit this blog after this just doesn't deserve to be here. Second, the posts may have grown harsh at times but I took that as being more intensity than anger. Third, it's great to have a full and rounded discussion of this and any other meaningful topic in a world so media dominated that we seem to always be getting some sort of slanted point of view, and finally thanks to the moderator for letting us go on and trusting us to speak our minds civilly.
Yeah, I 'd really like to thank FMF for posting this because I learned something about myself in the process, which is that I spend WAY too much time focusing on the unreal. This message from the Church of Reality really sums it up for me:
"So I say to all Atheists reading this, why waste your life focusing on what isn't real when you can focus on what is real? Christians and Atheists are alike in that they both focus on a fictional God. One asserts that God does exist, the other asserts that God doesn't. Realists don't focus on God. God is a waste of time. God is irrelevant. Reality is relevant."
[...] Sunday, the Personal Finance blogosphere went into a tizzy over a guest post at Get Rich Slowly, a popular blog written by J.D. The guest blogger, from Free Money Finance (FMF) wrote about why he [...]
I am an atheist subscriber to both GRS and FMF. I tend to skip over the religious-themed posts at FMF, but enjoy the blog generally. I didn't read this guest post as accusing atheists of immorality, but rather as pointing out that the finances of a religious person are influenced by the religion. I'm surprised this is even controversial.
Imagine a Muslim blogger who kept silent about his religion. Wouldn't you wonder why he had chosen to buy his house outright and invest only in stocks, no bonds? Knowing his religious reasons for doing so would help you understand that decision and realize that it may not be the best choice for you from a purely financial standpoint. Or, as Tom Cort mentioned in comment #21, imagine a PF blogger choosing not to invest in lucrative vice funds for religious reasons. (I'm really disappointed that there was only one response to maybe the only probing question among these comments, and I hope that response, #47, does not reflect the consensus among Christians on the subject of sin.) Also, while certainly giving to charity is not exclusive to religious people, I doubt most people look to 10% as a lodestar unless they have religious motivations to do so, and regardless, religion affects where your money is donated–a Catholic might be excommunicated for donating to NARAL, for example.
So I do think that there are instances in which religious beliefs can profoundly affect what you do with your money, and in those circumstances, it's appropriate for the blogger to disclose the reasons (and maybe even irresponsible not to). That's not to say that all personal finance is rooted in religion, and where it is not, there's no need to bring in a discussion of religion. I have a feeling that J.D. is more in the former camp and that's why he doesn't discuss religion at GRS.
I am an atheist. I don't derive my beliefs from a magic book or some mystic god, but I do have beliefs.
IMHO, I am a much more moral person than 99% of "believers ( of any type)" and my belief system is more consistent, fair, and rational.
When we ( atheists) do things like help the poor, we usually do it out of genuine concern, and we don't fly some flag that says "brought to you by an atheist."
That said, I generally see religious charities,religious humanitarians, and churches,etc as a POSITIVE- especially when compared to the use of Government force.
doesn't his just represent the prime example of why people think money, religion, and politics are taboo topics for discussion?
i'm not a believer:
in religion, in non-religion, in not talking about money, religion, or politics.
i'm a believer:
in that it doesn't matter what you believe in. people want some reason for doing things and purpose for living. maybe it's a rabbit's foot (although the rabbit wasn't so lucky), a ritual, an idol, an icon, etc.
and for all the Atheists out there. If you call yourself an atheist, you are in fact clumping yourself into a religious group of Atheists. religion is about some sort of conformity.
at any rate, i'm a non believer, but seeing how some friends and parents have changed their financial life after going to church makes me wonder. the bottom line is that whatever it takes for a person to be at peace with who they are, where they want to go, and how they want to get there is important thing.
and for all the Atheists out there. If you call yourself an atheist, you are in fact clumping yourself into a religious group of Atheists. religion is about some sort of conformity.
if you are going to broaden the definitions of words to such an absurd degree as to render them basically meaningless, I guess that's your choice. but religion does not mean conformity any more than atheism means religion. atheism is simply the lack of a belief in a god or gods. as a "non believer", you are an atheist whether you feel comfortable calling yourself that or not.
in the immortal words of don hirschberg, "calling atheism a religion is like calling bald a hair color".
Religion: a set of beliefs concerning the cause, nature, and purpose of the universe, esp. when considered as the creation of a superhuman agency or agencies, usually involving devotional and ritual observances, and often containing a moral code governing the conduct of human affairs.
Atheist: a person who denies or disbelieves the existence of a supreme being or beings.
Brought to you by Dictionary.com
Since there hasn't been much discussion about Jews, I'll throw my hat in the ring.
I'm Jewish and I keep the Sabbath. Here are some ways my religion affects my personal finance…
1) I need two sets of dishes for everything. Three for some. And another two sets for Passover.
2) I need to live in a neighborhood with an Orthodox synagogue within walking distance. That limits me to places with an observant Jewish community, which tend to be city-based and therefore more expensive.
3) Kosher food is nearly always more expensive than non-kosher food. Grocery bill, higher.
4) Because I don't work on the Sabbath, I don't spend money on anything, but I need to leave some of the lights on in my house and my oven on low.
5) In order to give my kids a decent Jewish education, private day school is most likely a necessity.
6) I need to take days off of work for Jewish holidays — 6 days in the Spring, 7 days in the fall.
All of these things cost me money. Therefore, my religion affects my personal finance. I have to factor in these costs to my life.
No wonder Jews become lawyers and doctors …
[...] My reply to FMF's guest post over on Get Rich Slowly about Personal Finance and Faith. [...]
While the various points here are interesting, it continues to amaze me as to me how far off topic the comments on this post have drifted.
I think the main point here is that belief regardless of what that is effects your decisions and views on things. Personal Finance included. Most of my personal finance decisions are far less relate to math than they are about my family, who we are, our risk tolerance, and what we believe.
Agreeing with JerichoHill…I am guessing there are far better sites for discussion of theology and apologetics than Get Rich Slowly. Guessing you might also get more more input and opinion from these sites as well.
@junger – Great write-up, learned a few things I didn't know, thanks for sharing.
Hooray for junger, who understood the reason for the post and was possibly the first post relevant to the question asked in the article! I thought your post was very interesting, and brought up a bunch of things I'd never thought of before.
No, I lie. Many of the posts by atheists and agnostics were sort-of on-topic, although it might have been clearer if they'd said, "I am not religious, so my religion plays no part in my personal finances." Of course, they could choose to mentally substitute "ethical code" or "moral mores" for religion and I'm sure they'd have interesting things to say. For example, we've already seen that some atheists believe that it's an important principle of living (if, perhaps, not entirely financially sound) to give to those who are in need, and we've seen that some don't feel that that's important.
Enough speculating about how other people's beliefs/ethics/morals/rationals/irrationals/PC-word of the day influence their financial choices. Here are some ways that my religion affects mine.
I'm Mormon. No, I'm not polygamist, and I'm not interested in becoming so, either, thanks for asking.
For those who are going to bring up Utah having a high rate of bankruptcy and a fairly large number of pyramid and sucker scams, and use that to conclude that Mormonism must lead to suckerage, thanks for your concern. I have to say that that isn't a result of any overt teaching of the church, as far as I know.
We're taught a few important principles that relate to finance — things taught in our holy books (including the Bible, the Book of Mormon), and things taught by our modern prophets. Here are a short run-down of some, and how they affect my life. I don't pretend that this is exhaustive.
1. Tithe: Ten percent to the Lord, straight up. Has an impact on the budget. Not that I really pay all that much attention to my budget, except to compare it to how I'm spending and get depressed.
2. Give generously to the needy: As possible, give to those who are hungry, homeless, etc. and help them to build/rebuild their lives in a way that they can becoming self-sufficient. Exact mechanisms for this are not prescribed. This principle makes me evaluate how much of what I have (or want) I really need. Should I buy an HDTV or help someone who got sick and can't pay the rent? Nothing helps me keep the spending down better than thinking of people who don't have anything.
3. Stay out of debt: This is one of the most commonly-heard financial teachings in the church, often with two exceptions: education and possibly housing. Consequently, I carry no debt other than my house.
4. Obtain as much education as possible: This is an important financial tool, since a college education has a big impact on earnings potential. (That's not the only reason given for the principle, but it is one of them.) As a consequence, I got a Bachelors degree and a Masters, which have served me well.
5. Have kids: This affects my finances in three ways. First, when projecting finances, insurance needs, taxes, and so forth, several years ahead, I have to take into account the possibility of additional children coming along. (Three kids so far, and dang, they're cute. Best investment I ever made.) Second, I have to save for the inevitable weddings and possibly help for college. Third, I have to teach them financial prudence. Though the oldest is four, I'm starting now, because I'm sure it's a lot easier to get the concept across now than when they're teenagers ignoring everything I say.
5. Don't work on the Sabbath (with ox-in-the-mire exceptions for people like doctors): I don't. My field largely doesn't require this, thankfully, but this requirement had an influence on my choice of occupation.
6. Learn to count…
[...] the comments here, I see that FMF's exploration of the Bible and money caused a ruckus. Folks, nearly every post between now and early August is from a guest author. [...]
"or at least it was one of my favorite blogs until today. I find today's post incredibly offensive and presumptive, and it really makes me question whether this is a blog I can continue to read, and a blogger I can continue to respect. "
I hate when people write that, narrow mindless not religion is the problem. I realize that the anonymous nature of the internet makes it easy to make comments like that but if you apply that principal broadly you'd never read anything. Personally I find that focusing only on PF makes a blog boring and repetitive after a while. Guest bloggers add alot. I believe that to be a well rounded person regards of religious affiliation ones needs to read various points of view. I like fox news but I also read Truth Dig on a regular basis and you can't get more opposite ends of the spectrum than those two.
My point of view as a Christian: I've had several long discussions with a friend regarding tithing, specifically the 10% rule. I often tease him that as a Pastor he has a vested interest in tithing as it pays his salary. But he made a comment that got me thinking. The general rule of thumb is 10% to Church and 10% to savings with the balance for spending. I said impossible! But if you think about giving tithe forces you to live within your means. Those who tithe regularly are those who manage their money well. If you can't afford to tithe its because your not managing your money well.
Maybe it is my location (Los Angeles), but I've become VERY uncomfortable with how many churches that are on television around here engage in what I call "pseudo-tithing."
Pseudo-tithing is when a preacher (I can't use the term pastor or minister with these people–I come from a family of pastors and ministers who feel they have been called to minister to the needs of the people in their congregation and take that calling very responsibly) calls upon members in the congregation to "tithe" "seed money." The seed money is supposed to show G*d that we are serious about believing that all of our needs will be met. The story also goes that our seed money will be "returned" to us 10-fold.
To me, that goes against everything I learned growing up about what tithing is all about.
I learned that tithing is a way of giving thanks for all of the blessings (tangible and non-tangible) I have in my life. As such, I am to give to those organizations that are in alignment with my beliefs/values (such as the Mennonite Disaster Fund to help people rebuild their lives because I can't be there in person to help them myself–note that sending money doesn't absolve me from engaging in service myself…it is a stop-gap)
I learned that tithing doesn't necessarily have to be monetary. In fact, giving my time to care for others is a blessing in itself.
I learned that I can learn a lot about myself based on how I feel about tithing. Am I too attached to the money? If I'm too attached, then I need to rethink how I am spending my money and where I am out of alignment with my values.
My value system that has been shaped by my faith, gleaned from studying many religions, has brought me to the place where I want to be financially comfortable so that I can serve others without worrying about paying the bills.
Currently, I get paid for being of service to others (much like doctors and lawyers, do), but my intention is to pay off all of my bills and live a frugal life so that I can drop everything, if need be, so that I can help those who've encountered a disaster. Even if it is just to hold the babies so the mother can get some rest.
THAT is how my "religion" impacts my personal finance.
PS: I want to make it clear that my own value system has been shaped by explorations of the teachings from many religious traditions. That is not meant to imply that my value system's creation is any better than anyone else's, it is just the path that it took because of my upbringing.
The question was how does one's religious beliefs impact their personal finance decisions and that was all I was trying to answer.
This entire post is offensive to atheists. Please be more considerate in the future.


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There are various ways for you to accumulate necessary HGH for your body. However, there is no assurance that every way available in the medical society could be safe for your condition.
There are times that restrictions are placed in order to assure that you would not suffer from certain complications or side effects of the supplements.
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Memo: USDA prepared for CIO, CFO vacancies
More CIO execs to leave USDA
Agriculture CFO to double as CIO
When most senior executives in an organization are in an acting capacity, day-to-day operations continue but organizational effectiveness suffers, some management experts say. One of the biggest contributing factors in organizational performance is effective leadership, said John Palguta, vice president of policy at the Partnership for Public Service, an organization that supports efforts to improve government performance. If there is a weak link in management, either because of acting positions or vacancies, organizations may not be as effective, Palguta said. What is lacking is the long-term strategic direction of the organization, Palguta said. Its hard to look beyond the year ahead. For those in an acting capacity or if they are fairly new to the organization, its difficult to do the long-term planning or [develop] policy. Mary Mosquera
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Q:I'm new to Viggle and it may be a stupid question, but Viggle sent me an email saying "force close" the app. Does it mean I have to reboot my phone or do I use like a task killer to close it?
An email? Hmmm, we've never heard of that. But whatever is it, a reboot is probably the only real think you could do. And welcome to Viggle!
1 Notes/ Hide
- doodling-editor said: traditionally it means stop the app itself not the device. (If apple device: Exit the app. Double click the home button 'til the "dock" on the bottom appears. Then press & hold on the app's icon until it starts shaking. Then tap the X that appears.)
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Topic - NEW ARTICLE: Innovation, Mike Parsons and Alpkit Nick
Michael Ryan - on 03 Oct 2007
"The session that surprised me the most was the theory put forward by Dr Mark Talyor from Leeds University and Graham Thompson from Trail magazine.
For the past 15 years Graham Thompson has been banging on about membrane lined boots such as Gore-tex, Event, Sympatex and how they where inherently less breathable than a boot without such a lining. We saw the research, it had plenty of graphs and they used all kinds of sensors and stuff and.....it's official, the science has been done. "
Nick Smith reports on Innovation for Extremes conference held at Lancaster University Management School on Wednesday 26 September.
Read the article here: http://www.ukclimbing.com/articles/page.php?id=517
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Kim Kardashian and Kanye West's $11 million love shack is still under construction -- it has been for months -- and Thursday they put some pressure on the contractors ... by personally inspecting the quality of their work.
K&K dodged piles of scrap lumber and plywood as they did a walking tour of the 10,000-square-foot Italian-style villa in Bel Air, CA ... making sure the builders didn't leave out any details... like the bowling alley. Or the hair salon. Or the gym. Or the baby's nursery.
Hopefully the walls of the house are really, really thick ... 'cuz Kanye likes to yell. And everybody knows ... if the baby don't sleep ... nobody sleeps.
How can somebody with such bad taste build a beautiful home with such good taste?
He is in the same clothes he partied in last night... Bet he smells nice and ripe.
Why do these two losers need such a mansion? How greedy are some people? Such materialistic things. Shame on both of them.
one mans trash is another mans treasure...
They don't know crap, they stand and look at whats going on with stupidity in their eyes.
They hire a designer and generally the designer deals with the clients
The irony is, this house looks more like a Calabasas house than one in Bel-Air.
I noticed she has changed her hair color, to the same color as khloes, could she be getting jealous of her sisters posted photos?
I am still amazed at how this skank got famous for being a slut/whore/bimbo/tramp/hooker/streetwalker/hussy/floozy/skallywag, heffer, hee haw and hoolie hoo.
Why is it that "Gayfish" never looks happy?
Kim looks fatter than ever and what's with the hair? ...she looks like a bum with that uncombed pile of horse hair
That's the Beverly hill billy home they are going to love?! Not only does Kim have bad taste in guys but she has horribly bad taste in picking a place to call home, u think with all that dough she has , she have any good taste
How about a gate around that giant swimming pool. Or are celebs too cool to childproof?
"And everybody knows ... if the baby don't sleep ... nobody sleeps."
Is that a reference to North or to Kanye?
Looks ugly from the outside. The attached garage part is weird, and building on top of it is only making it worse. Instead of having a grand front entrance, there's like a funky nook. Looks like bad Feng Shui.


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Expo Hours:
Dedicated Expo Hours
With more than 850 companies on display and more than 13,000 colleagues in attendance, the NSC Congress & Expo is the safety, health and environmental industries' leading networking event. Exhibitors from around the world are attracted to this event. Whether you are searching for the latest technology or the tried and true products and services, this is the exclusive venue to accomplish all of your workplace needs.
The 2013 NSC Congress & Expo will feature 45-minute sessions where attendees can learn about an exhibitor's products and how they work from the user's perspective. Take advantage of this opportunity to listen to technical experts discuss a broad array of products representing multiple product categories.
Booth #2840 also features the following:
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Right after the presentation of OSHA's Top 10 learn from a panel of International Safety Equipment Association member companies how to avoid them and what they are doing to make workers safer and your job easier.
Embark on a journey through the 2013 NSC Congress & Expo floor and meet Exhibitors that will help you qualify to win prizes. Visit all of the Passport sponsors' booths to receive a stamp on your passport
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1Institut National de l'Environnement Industriel et des Risques (INERIS), Verneuil-en-Halatte, France
2Laboratoire des Sciences du Climat et de l'Environnement, Institut Pierre-Simon Laplace, Commissariat à l'énergie atomique et aux énergies alternatives, Centre National de la Recherche Scientifique, Université Versailles Saint Quentin, Gif-sur-Yvette,
3International Institute for Applied Systems Analysis, Laxenburg, Austria
4Laboratoire de Météorologie Dynamique, Institut Pierre-Simon Laplace, Centre National de la Recherche Scientifique, Ecole Polytechnique, Université Pierre et Marie Curie, France
*now at: Laboratoire Atmosphères, Milieux, Observations Spatiales, Institut Pierre-Simon Laplace, Centre National de la Recherche Scientifique, Ecole Polytechnique, Université Pierre et Marie Curie, France
Abstract. To quantify changes in air pollution in Europe at the 2050 horizon, we designed a comprehensive modelling system that captures the external factors considered to be most relevant and relies on up-to-date and consistent sets of air pollution and climate policy scenarios. Global and regional climate as well as global chemistry simulations are based on the recent Representative Concentrations Pathways (RCP) produced for the Fifth Assessment Report (AR5) of IPCC whereas regional air quality modelling is based on the updated emissions scenarios produced in the framework of the Global Energy Assessment. We explored two diverse scenarios: a reference scenario where climate policies are absent and a mitigation scenario which limits global temperature rise to within 2 °C by the end of this century.
This first assessment of projected air quality and climate at the regional scale based on CMIP5 (5th Climate Model Intercomparison Project) climate simulations is in line with the existing literature using CMIP3. The discrepancy between air quality simulations obtained with a climate model or with meteorological reanalyses is pointed out. Sensitivity simulations show that the main factor driving future air quality projections is air pollutant emissions, rather than climate change or long range transport. Whereas the well documented "climate penalty" bearing upon ozone over Europe is confirmed, other features appear less robust compared to the literature: such as the impact of climate on PM2.5. The quantitative disentangling of each contributing factor shows that the magnitude of the ozone climate penalty has been overstated in the past while on the contrary the contribution of the global ozone burden is overlooked in the literature.
Citation: Colette, A., Bessagnet, B., Vautard, R., Szopa, S., Rao, S., Schucht, S., Klimont, Z., Menut, L., Clain, G., Meleux, F., and Rouïl, L.: European atmosphere in 2050, a regional air quality and climate perspective under CMIP5 scenarios, Atmos. Chem. Phys. Discuss., 13, 6455-6499, doi:10.5194/acpd-13-6455-2013, 2013.


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Soundin' Off
Bridgeport Sound Tigers
Posts filtered on Category
One in, one out: Wednesday notes
The biggest-name remaining draft pick to sign for the Islanders was Ville Pokka. Pokka signed. There you go. Jesse Graham is the lone remaining player whose rights could expire for the Islanders on Sunday. If I count correctly, that's 32 NHL contracts for next year (1 G, 13 D, 18 F), not counting restricted free […] [Read More]
Nilsson to Russia announced (was Belated Tuesday boxes/notes)
Edit: Kazan announced it has signed Anders Nilsson to a one-year contract. His KHL rights had been sold earlier, as linked below, so, yeah, this was the next logical step. If it's spring conference championship week, must be rain… The AHL conference finals resume Wednesday, both tied at 1: Monday night, Texas finally beat Toronto, […] [Read More]
Nilsson up, Poulin down
The Islanders swapped goalies this morning, sending Kevin Poulin to Bridgeport, calling up Anders Nilsson. Since his last stint in the NHL, when Evgeni Nabokov was out injured, Nilsson has had his best stretch in two years. He had played nine of the past 10, winning his last six. He has a .918 save percentage […] [Read More]
Full weekend: Albany postgame
The Devils had moments where they were coming pretty hard — "Albany always comes hard, finishes checks," Matt Donovan said; "you've kind of got to match it" — but Anders Nilsson made sure they weren't really in this. Bridgeport scored goals less than a minute apart twice and finished with 12 goals in two games […] [Read More]
Special night: Springfield postgame
Scott Pellerin said Ryan Strome's day-to-day. The team's off until Tuesday after keeping Springfield winless in five, so there's two days right now. Odd, if you think about it, but with all the PK time, it's not like he missed all that much tonight. I had Andrew Clark for five shifts in the first and […] [Read More]
Donovan, Nilsson down
With Lubomir Visnovsky and Evgeni Nabokov back from their assorted injuries, the Islanders sent Matt Donovan and Anders Nilsson down. This appears to make Donovan eligible to play during the Olympic break, based on those guidelines Lindsay Kramer had — after tonight, he could play no more than 15 of the Isles' last 20 — […] [Read More]
Good news/bad news on the Island: Monday-night notes
The Islanders lost Evgeni Nabokov early in their game tonight against Dallas; Kevin Poulin took over, and the Isles announced only a lower-body injury on their veteran goalie. But the Big Club won it 7-3. Ryan Strome's first NHL goal; Calvin de Haan's first NHL point (his first two points, actually); goals for Brock Nelson […] [Read More]
Nilsson returns
As Arthur Staple reported earlier, Anders Nilsson is coming back down from the New York Islanders. Evgeni Nabokov returns to their lineup tonight, backing up Kevin Poulin. Nothing about a corresponding move here at the moment. With no roster restrictions in the AHL, it's decidedly less pressing. [Read More]
Milner up; Staple: Nilsson too
In the words of the great Sammy Adams "we goin..coast to coast" — Parker Milner (@milzy35) November 17, 2013 I thought that was Thomas Paine. Shoulda paid attention in history. The simplest immediate solution to the Evgeni Nabokov injury appears to have happened. Arthur Staple says Anders Nilsson gets the call tomorrow, reuniting the 2011-12 […] [Read More]
Something a little different
We'll look at those five points from Ryan Strome and those four points (or was it five?) (or was it three?) (hey, sheet says four) points from Mike Halmo and seven goals in all and four goals in the second and four power-play goals and what the heck was that?… But Scott Pellerin was looking […] [Read More]
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Seventy-four-year-old Ted and his wife Irene are on their tenth visit to the ER this year. Ted has already been diagnosed with terminal bladder cancer, but his problems have just gotten worse.
Plus, emergency medical technician Amanda is a key part of the team administering CPR to a man who's suffered cardiac arrest while another patient is brought into the ER after falling out of a tree.


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Laurel Coppock Is The Girl In The Toyota TV Commercials [VIDEOS + PHOTO]
Who is the cute and perky actress who plays "Jan" in the Toyota commercials, you know, the one who always has the right answers? She's Laurel Coppock, and we don't even know if she drives a Camry, but here's what we do know about her!
Laurel's been in a few movies lately, like Crazy, Stupid, Love and Comedy Jam. She's appeared on TV shows like Modern Family and 2 Broke Girls. She's also a member of the The Groundlings in Los Angeles, which is a legendary improv comedy group that spawned the likes of Phil Hartman, Lisa Kudrow, Kristen Wiig, Maya Rudolph, Jon Lovitz and Paul Reubens.
So, if you're looking for good gas mileage and reliability then buy a Toyota, and when you get to the showroom maybe you'll be lucky enough to come face to face with a girl like Laurel!
Casey Gagliard Is The Girl In The BeeZid.com Commercials
Morgan Smith Goodwin Is the Girl In The Wendys TV Commercials
Milana Vayntrub Is The Girl In the AT&T Commercials
Kourtney Hansen Is the Girl In The 1-800-PET-MEDS Commercial
Jana Kramer Is The Girl In The Nationwide Insurance TV Commercials


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Lee Scanlan
Gender: Male
City: Adelaide
Country: Australia
About Lee
Sport is my passion & Everton FC is my football team
First Game
1986 FA CUP final. I was 9 & my school team-mate's dad got us all a poster of the teams before the game. Liverpool had an Aussie Craig Johnstone playing for them, but i chose to support Everton.
Favourite Everton Moment
FA Cup 95
Favourite All Time Player
Neville Southall. Started supporting Everton from 1986 FA Cup final onwards so for many years he "was" Everton to me. Plus he looked a bit like my dad so that earnt him some extra credit for surel
Favourite Current Player
Marouane Fellaini. Reason? I don't do the whole favourites thing.
Favourite Manager
David Moyes. Reason? That's easy. Results.
Favourite Game
86 Cup Final. The first Everton match i'd ever seen & after choosing blue to support that night, the then 9 year old that is me, instantly became an Everton supporter for life. No matter what the result
Favourite Goal
Sharp at Anfield i reckon is a handy strike
Favourite Kit
kit worn in 85/86, it's the kit i started supporting the club in


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January Jones
Jeff Vespa/WireImage
Forget anorexic brows! At the Boom Boom Brow Bar in New York City, owner Boom Boom does 500 brows a month and this fall she says you have to be bold. But never fear; bold brows do not equal overgrown or bushy. She picks her celebrity brow faves, plus offers up tips on achieving the best look for a client.
Keira Knightley
Ferdaus Shamim/WireImage
For those who have have over-tweezed and over-waxed, you can still help them achieve good-looking brows. Cover and fill-in areas where clients have bare spots, imperfections and lack of growth with a powder rather than dark pencil, since it's more natural looking.
Lea Michele
Steve Granitz/WireImage
"Apply powder with an angled, firm brow brush for precision application. For those in a more serious situation needing brow rehab, recommend a brow tint with wax to help camouflage the grow out phase and give the appearance of thicker, balanced brows. It's a total crowd pleaser. Ultimately, big bold brows are not about following rules, it's about tricking them out to look proportionate on the face."


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Summer has officially set in across the country. If you're anything like me, you know this because your hair has been tossed into some sort of mess OFF of your neck for the past week and sweating, yeah, it's pretty much constant. The other evening I was heading to a yoga class when I developed a headache that lasted me a full 48 hours. That's when it clicked. Summer. Sweating. Dehydration -- I had it. I needed a fix.
Have you found yourself in a similar situation? Now that the warmer temperatures are in full swing, it's prime time for dehydration to kick in. Do yourself and your family a favor and take a look at the signs and symptoms of dehydration, as well as the at-home treatment options, here:
Dehydration can be caused by a number of things including fever, excessive diarrhea or vomiting, and burns and severe skin infections or diseases. In the summer, obviously, the biggest cause of dehydration is excess sweating, which causes an upped loss of fluids from the body. Now, on to symptoms:
Now for someone like me, confusion in the summer (heck, every time of year) is a constant. That headache from the other morning, though? Not so much. So how do you treat dehydration? First up your fluid intake, slowly. Too much water too fast will make you dizzy. Next, make sure to get plenty of rest, get out of the sun, and if your symptoms include a headache or other pain -- opt for an acetaminophen like Tylenol, or ibuprofen like Advil.
Have you ever been dehydrated? How do you and your family prevent dehydration in the summer months?
During the rest of the year you're probably still dehydrated. Is your urine yellow? You're dehydrated! Urine should be clear. Drink more water. Not soda, not alcohol, not sports drinks. Water. Or caffeine-free tea. Caffeine and carbonation are both dehydrating. And maybe get out of the sun. Humans don't photosynthesize, we wilt.
I forget to drink as much in the summer months, even though I know that the heat and outdoor activity tends to dehydrate me more..


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GOOD MORNING DELMARVA - The University of Maryland Eastern Shore School of Pharmacy's Student Government Association is proud to announce the 2nd Annual 5k Strides for Epilepsy run or walk.
The reason for having this event is to get the community involved in our mission of advancing epilepsy research while also encouraging healthy activity. In 2013, over 100 participants, 16 sponsors, and over 30 volunteers supported the race to help raise over $2,700.
Epilepsy is a brain disorder that is characterized by a person having 2 or more seizures which would require treatment. According to the Citizens United for Research in Epilepsy (CURE), epilepsy affects 65 million people worldwide and the prevalence totals more than Multiple Sclerosis, Cerebral Palsy, Muscular Dystrophy, and Parkinson's Disease combined. Since the mortality rate of those with epilepsy is 2-3 times higher and the risk of sudden death is 24 times greater than the average person, the organization has concluded that this is a condition that requires further attention.
Epilepsy is a real concern so please help support this charity event as awareness is raised for the disease because many remain unaware of how many people are suffering.


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October 24, 2008 4:09am
Oh, I have one more thing to say to Walter. First off, as far as you comment about everyone thinking like the BORG in an Atheist world, You're gravely mistaken. In fact, it's more like the church and it's members are already a hive mind, and all one needs to do to see this fact is read through all the christian nonsense posted in the comments.
Secondly...You claim that Atheists are no different than christians in the eyes of Americans, however, here's where I can definitely prove you wrong. According to various poles, Atheists are among the most untrusted members of American society, considered the least American, and according to former president George Bush Sr., should not even be considered citizens. So much for "love thy neighbor." The ironic thing is christians display more bad and flat-out criminal behavior than Atheists in the United States.
Enjoy your delusion. Richard Dawkins, along with some of the world's top intellectual minds have projected that within the next 25 years or so, there will be enough scientific understanding of the universe and it's development/origins that everyone will either need to renounce their religion or be declared insane. Religion is already a mass delusion, I just hope that I don't die in an accident before that happens. I want to be around to see the day when religious faith is an automatic symptom of insanity.
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No better example of the plant "born to blush unseen" can be found than the lowly fungi. Mushrooms and toadstools, growing quickly and unostentatiously in the dim-lit forest or hidden in the grass of the field are often passed by and little admired by man in general.
But the fungi of Mt. Rainier National Park have a saviour. Miss Elizabeth E. Morse, Secretary of the Mycological Society of California and an authority on Pacific Coast fungi, has just concluded an extensive stay in this Park during which time she made an intensive study of our fungi. Needless to say her work here and her enthusiasm for this particular branch of science has served to bring to light much of interest that has heretofore been passed by unnoticed.
The material that she has collected will be made available to our Museum and the information gained in its collection will go far toward making our Park Encyclopedia of greater value to the Educational or Nature Guide work here. She has literally made this Park "fungi-minded". Her work here has been the greatest contribution to a better understanding of our natural features by an outside party in many years for she has not only made an intensive study of mycology here--donating her own time--but has made the results of this study available for our use. Perhaps the high light of her work was the finding of a species of Hydnum not listed in any catalogue of fungi, as far as is known at the present time. It is hoped that this will prove to be a new species and if so it is proposed to name it Hydnum rainerii. This fungi is woody, apparently a perennial. It is ochre colored, the exterior surface being covered with short woody spines on which the spores are born. It was found by Miss Morse barely peeking through the carpet of evergreen needles and moss in the dry, coniferous forest near Longmire at an elevation of about 2700 feet.
A series of short articles on the fungi of the Park is now in preparation. After being referred to Miss Morse for certification they will be made available to readers of "NATURE NOTES" at regular intervals.
L. G. Richards,
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Jewelry Making Crafts
Save our Planet Charm Bracelet Kits (1 dz)
Make a commitment to save the planet with these Save our Planet Charm Bracelet Kits. Perfect for Earth Day or Eco-friendly events.
- 1 Dozen Save our Planet Charm Bracelet Kits.
- Bracelet Measures 12 Inches.
- Assorted Earth Friendly Charms & Beads.
- Packaged for Individual Use.
- Kit Includes Instructions & Extra Pieces.
Regular Price: $10.26
Now only: $8.79
Wooden Color Your Own! Bug Key Chains (1 dz)
Children love craft projects, especially these Wooden Color Your Own Bugs! Key Chains! With this fun key chain, kids will be excited to carry their own keys.
- 1 Dozen Key Chains
- Measures: 2 3/8" x 3"
- Wood
- Assorted Bugs
- Markers and Paints Not Included


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Appearance - Clear, pale straw golden yellow.
Aroma - Pungent génépi with mandarin orange and lemon zest. Hints of leather and saffron.
Taste - Sweetened mandarin zest with vanilla, génépi and fennel. Sweetness well balanced by peppery alcohol.
Aftertaste - Citrus zest and fennel.
Rating - 4.5/5


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A Common Sight in the Great Lakes
- Lake Effect Storm!
- Winter Weather Update Wrap
- Fantasy Snowfall League
- 400 Died in 1888 NE Blizzard
- Keeps Your Pipes from Freezing
- Sick of Winter? Try THIS.
- Windy and Snowy in Wisconsin
- How We Name Winter Storms
- He Survived. They Think He's Lying.
- The Science Behind Snow Melt
- Snow Chasers Chase Lake Effect Snow
- The Mystery of Lake Effect Snow
- Avoid the Flu at Home
- What is an Alberta Clipper?
- The Phenomenon That Made THESE
- Apocalypse of Ice
- Who Says You Can't Climb a Waterfall?
- Winter Car Survival Kit
- Driving Tips in the Winter
- Save Money This Winter
- Science Behind Snow Melt
- 2000 Miles of Untamed Mother Nature
- Weather Wizard: Freezing Rain
- Playing with Weather
- Is your city the snowiest?
- Making Snow from Scratch
- Foods That Keep You Warm
- Winter Calorie Burners
- The sun's role in a snow storm
- How do you know if the ice is safe?
- Winter driving: What you should have
- Science Behind the Snowflake
- What to do if you're sliding on ice
- How do avalanches trap people?
Lake-effect snow is a common sight in the snowbelts downwind of the Great Lakes in late fall and winter.
Satellite image showing bands of clouds containing lake-effect snow moving off of Lake Superior and Lake Michigan on Dec. 5, 2000.
After a cold front passes through, chilly winds mainly from the west or northwest flow over the relatively warmer waters of the lakes and gather moisture, allowing clouds and bands of lake-effect snow to develop. This snow, sometimes heavy, then piles up in locations generally to the east and southeast of the Great Lakes.
The direction and duration of the winds in combination with the difference in temperature between the air mass and the water of the lake typically dictates how much snow will fall in any one location (see video above for more details).
For two of America's snowiest cities, Boonville, N.Y. (193.5 inches each season) and Hancock, Mich. (211.9 inches each season), lake-effect snow is a big contributor to the monstrous snow totals seen each season.
But it's not just the Great Lakes where this phenomenon occurs. On the following pages, we look at some of the other bodies of water in the United States and around the world, including lakes, bays and oceans, that have produced snow from the same basic ingredients described above.
NEXT> Heading to the West


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Music and Video
Hey, Midway Fair, where are the lyrics? Well, we've put them in posts about the songs! Check out the "Song Sources" posts.
Creative commons
The albums Fireworks at the Carnival and The Distance of the Moon at Daybreak by Midway Fair are licensed under a Creative Commons Attribution-ShareAlike 3.0 Unported License.
Free music! Woo, swag!
These songs are free in any format you like, even CD quality audio. "Silent Little Bells" is our newest release. The free download includes a new original song and some video of us in the studio.
The Distance of the Moon at Daybreak is our second album. You can stream the entire album right here:
You can also stream the entire Fireworks at the Carnival album (our 2009 debut) and name your price to download it:
Jon has a couple solo releases that you can get over on his blog, too.
For Midway Fair's official YouTube, click here.
Our first official music video, a claymation cartoon for the title track of the first album:
Live videos:
These were shot by Paul Demmitt at Cellar Stage:


text: You remember the stupid Oxygen Bar at Rock am Ring? Obviously, this is a regular thing here. Couldn't stop laughing, when I saw that thing standing in the middle of Fremont Street. Just so you know: that's absolutely where we guys will go first, once you arrive. To have a nice little cup of fresh oxygen. Hell yeah.


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Loyalty to Country
America (also known as "My Country, 'tis of Thee")
Words by Samuel Francis Smith, 1832
My country, 'tis of thee,
Sweet land of liberty,
Of thee I sing;
Land where my fathers died,
Land of the pilgrims' pride,
From every mountainside
Let freedom ring.
My native country, thee,
Land of the noble free,
Thy name I love:
I love thy rocks and rills
Thy woods and templed hills;
My heart with rapture thrills
Like that above.
Excerpt from "Crito" in Great Dialogues of Plato
Translated by W.H.D. Rouse and edited by Philip G. Rouse and Eric H. Warmington. © 1956, 1961 by John Clive Graves Rouse.
One of the most famous examples of loyalty to the laws of country is embodied in the story of the death of Socrates, who was condemned to drink poison hemlock because he was convicted by a court composed of 501 citizens of having "corrupted the morals of Athens's youth." While Socrates awaited his execution, his close friend Crito visited him in prison to attempt to persuade Socrates to escape. Socrates' words, as they came down to us in the writing of his most famous student, Plato, are an eloquent description of the loyalty owed to a country by a citizen. Socrates refused to save his own life because to do so would require that he violate the laws of his country. Socrates explained to Crito that for seventy years he had chosen to stay in Athens when he was free to stay or leave. Now that he was no longer legally free to leave, Socrates could not abandon his principles and leave the city illegally. More is required a citizen, said Socrates, than that he obey the law only when it is convenient to do so. In his explanation to Crito, Socrates outlined the allegiance and loyalty owed to a country by its citizens:
Are you so wise that you failed to see that something else is more precious than father and mother and all your ancestors besides—your country, something more revered, more holy, of greater value, as the gods judge, and any men that have sense? You must honor and obey and conciliate your country when angry, more than a father; you must either persuade her, or do whatever she commands; you must bear in quiet anything she bids you bear, be it stripes or prison; or if she leads you to war, to be wounded or to die, this you must do, and it is right; you must not give way or retreat or leave your post, but in war and in court and everywhere you must do whatever city and country command, or else convince her where the right lies. Violence is not allowed against mother or father, much less against your country.
To Serve with Honor
By Richard A. Gabriel (Westport, Conn.: Greenwood Press, 1982)
In a crisis, the soldier must exercise his sense of loyalty as fides, and it must always take precedence over any sense of obsequium. Indeed, the problem is even more complex, for in a deep moral crisis the soldier may even have to override his oath to the profession and to the Constitution in order to be loyal to humanity itself.
The Germans, who perhaps have had more direct experience with officers and soldiers being crushed between demands of their oath and the course of immoral events, have developed an interesting distinction in dealing with the question of loyalty to superiors. They distinguish between hochverrat and landesverrat. Hochverrat is disloyalty to a superior, which in German terms meant disloyalty to the monarch or other government head of state. Landesverrat, by contrast, is disloyalty or betrayal of the nation. Within this distinction there is room for maneuver in making an ethical choice. In order to serve the nation or the Constitution, a soldier may sometimes have to be disloyal to his superiors or refuse to execute their orders. The Germanic distinction between the two notions of loyalty throws into focus what every member of the military profession knows in his heart, and that is that fundamentally a soldier's first loyalty is to behave ethically and humanly, and that in times of severe moral crisis he must be prepared to follow that higher morality….In essence, to be an ethical soldier is to do one's duty as to what is ethically right and to know why those ethics bind. Duty is not blindly tied to following orders.


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You are hereAwards / Essential Killing Takes Triple at Venice
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Essential Killing Takes Triple at Venice
"Essential Killing", a Jeremy Thomas presentation directed by Jerzy Skolimowski, has won an unprecedented three awards at last night's ceremony in Venice, taking home the Special Jury Prize, Best Actor (Vincent Gallo), and the Cinemavveniere Award for Best Film in Competition (youth jury).
In a rare coup, "Essential Killing" received both the Best Actor and Special Jury Prizes. Traditionally at Venice, Best Actor is not twinned with any other major awards for the same film. This year's jury, headed by Quentin Tarantino, was forced to ask Festival head Marco Mueller to break the rules. It is said that Tarantino particularly argued to recognize the film, and he led a standing ovation from the jury as Skolimowski accepted the Special Jury Prize.
Centring on an Afghani political prisoner (Gallo) who escapes from a secret detention centre into a vast snowy woodland in Eastern Europe, "Essential Killing" achieved an uncanny prescience earlier this week when the existence of CIA black sites in Poland were acknowledged by the Polish government.
Gallo, an enigmatic presence throughout the Festival, did not attend to accept his Best Actor award. Taking the stage on his behalf, Skolimowski entreated Gallo to take courage and reveal himself in the audience, leading a chant of
HanWay films is handling international sales and marketing.
"Essential Killing", a Jeremy Thomas presentation, directed by Jerzy Skolimowski. Written and produced by Ewa Piaskowska and Jerzy Skolimowski, and Executive-produced by Jeremy Thomas.
Thomas has had a long history with Venice, premiering many titles at the Festival such as Takashi Miike's "13 Assassins" this year, and recently Bernardo Bertolucci's "The Dreamers", Takeshi Kitano's "Brother" and Claire Peploe's "Triumph of Love".
Under his Recorded Picture Company banner, Thomas has produced or executive-produced over fifty films, including the nine-time Oscar winner "The Last Emperor". RPC is known for its strong relationships with leading directors such as Bernardo Bertolucci, Takeshi Kitano, David Cronenberg and
Stephen Frears, and has films with Phillip Noyce, Terry Gilliam and Vincenzo Natali upcoming.
RPC is currently in post-production on David Cronenberg's "A Dangerous Method" starring Viggo Mortensen, Keira Knightley, Michael Fassbender and Vincent Cassel.
HanWay Films' current slate includes David Cronenberg's upcoming "A Dangerous Method", Andrea Arnold's "Wuthering Heights", and Toronto Official Selection films "Essential Killing" by Jerzy Skolimowski, "13 Assassins" by Takashi Miike, "Made In Dagenham" by Nigel Cole starring Sally Hawkins, "Super" starring Rainn Wilson, Ellen Paige and Liv Tyler, and the animated feature "Chico and Rita" by director Fernando Trueba and the artist Mariscal.
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Reese Witherspoon (source)
Halle Berry (source)
Heidi Klum (source)
Liv Tyler (source)
Confession: last week I officially broke my 15-year stance against bangs and made the cut. I haven't had bangs since I was a little girl (and those were heavily feathered to match my thick plastic glasses), so it was a hard move for me. However, I think that my bangs are super cute and love them much more than I thought I would.
Another confession: I was inspired by celebs. It seems like every time I turned around another celeb was sporting some cute fringe, and I just didn't want to be left in the dust. No, seriously, it seemed like a simple solution to change up my stagnant style without severly cutting, dying or otherwise ruining my hair.
I have a round face, so I chose sideswept bangs (plus, they are easy to pin back and will grow out quickly if I decided I didn't like them). But if you want to get red carpet bangs, then you need to do a little research first. Here's how to get celebrity style bangs:
1) Consider your face shape: Anyone who has ever opened a magazine knows how important your face shape is when it comes to haircuts, and bangs are no exception. If you have a long face (like Liv Tyler) then you can do the heavy, blunt cut bangs. If you have a heart shaped face (like Reese Witherspoon) then lighter sideswept bangs are more your speed.
2) Try some on for size: If you are really unsure of how this look will suit you, then get thee to the mall and buy some hair pieces to try out the look first. I used my own hair and pinned it in place (I have longer hair) and took some pictures to see if I liked the effect first.
3) See a stylist: DON'T try to cut your own bangs if you want to get the best results. I cut my own, and while I think they are cute, I'll probably have to go in and have my stylist clean them up in a few months. A stylist can also recommend hot new bangs and textures to suit your face shape. Be sure to bring pictures for inspiration!
So that's how to get celebrity style bangs…don't be afraid of the shears if you really want to try this look, after all, it will grow back eventually. Good luck!


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text: Comments on: The great Washington DC Segway tourism free speech battle Back to the article » By Sean Higgins | July 23, 2013 | 12:00 am Did you know that all Washington, DC-based tourism guides are required to be licensed by the city? They are, but that law is being challenged in free speech grounds. The owners of a company called Segs in the City – all of its tours are done on Segways – is suing the District over the law, arguing the city has no right to tell them who they can hire to lead tourists around the nation's capitol... Web URL: http://washingtonexaminer.com/article/2533351 Share this article on Facebook or Twitter Print this article


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Bon Jovi's concert!!!
(I couldn't take a lot of pictures because my camera died by the middle of the concert. Also the noisy trio in front of me wouldn't put their fucking arms down.)
But it was fun and awesome and aaaa i saw Jon really close one time and his smile is so cute like damn i wanna hug you!
- tristan-legend likes this
- dust-rocket reblogged this from metallic-hair and added:
Look, guys! My sister posted the pictures she took of the concert we went to!
- dust-rocket likes this