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In Greek mythology, Eurypylus[pronunciation?] (Ancient Greek: Εὐρύπυλος) was the name of several different people. Of them the best known are two participants in the Trojan War: one (the son of Euaemon) on the side of the Achaeans, and the other (the son of Telephus) on the side of the Trojans.
Son of Euaemon[edit]
Eurypylus was a Thessalian king, son of Euaemon and Ops.[1] Another source gives his mother's name as either Deipyle or Deityche.[2] Alternate genealogies made him a son of Hyperochus and father of Ormenus.[3]
Eurypylus led the Thessalians during the Trojan War being a former suitor of Helen.[4] He led one of the larger contingents of ships, 40.[5] He fought valiantly and is often listed amongst the first rank of Greek heroes such as Idomeneus, Diomedes, Ajax, etc.[6] In the Iliad he was one of several to accept Hector's challenge to single combat, but was eliminated in the drawing of lots.[7] He went to the aid of Ajax the Great when the latter was wounded and tired from hard fighting and was compelled to withdraw from combat: in defending Ajax he killed Apisaon but was wounded in the thigh and put out of action by one of Paris' arrows.[8] This happened in the same book that all the other major Achaean warriors were wounded and put out of action.[9] When he withdrew from battle, his wounds were tended by Patroclus, and as he was at it Eurypylus convinced him to enter into combat even if Achilles refused to join.[10] Eurypylus slew no less than four opponents, including the aforementioned Apisaon, Hypsenor,[11] Melanthius[12] and Axion:[13] this makes the account of Hyginus wrong in informing that Eurypylus killed only one defender of Troy.[14] He was also one of the Greeks to enter the Trojan Horse.[15]
Eurypylus survived the Trojan War; his further destiny as described by Pausanias was as follows. After the war, Eurypylus got a chest as part of his victory spoils. The chest was abandoned by Aeneas when he fled from Troy, or was intentionally left behind by Cassandra who placed a curse on it to whichever Greek would open the chest. Inside the chest was an image of Dionysus, made by Hephaestus and given to the Trojans by Zeus. When Eurypylus opened the chest he went mad. During a period of sanity he went to Delphi to seek a cure for his malady. The priestess told him to find a people making an unusual sacrifice and settle there. Eventually he came to Aroe (later Patrae), where he found people sacrificing a youth and a maiden to Artemis, to propitiate the goddess for the crime of Comaetho and Melanippus, who had polluted her shrine. The people of the town recognised him as a leader an oracle had said would come to them and bring about an image and cult of a foreign deity, at which point the sacrifices were to cease. After this Eurypylus regained his sanity and the people of Patrae no longer needed to make human sacrifices. His tomb was in the city, and after the events the people of the area sacrificed to him as a hero at the festival of Dionysus.[16]
Son of Telephus[edit]
Eurypylus was son of Telephus and Astyoche.[17] Some write of Astyoche as his wife rather than mother.[18] At the request of Priam, Astyoche bribed him with a golden vine to fight on the side of the Trojans during the end of the Trojan War in command of a group of Mysians and Ceteians. Priam himself was encouraging Eurypylus to assist Troy in the war by sending him various precious gifts and even promising him Cassandra's hand in marriage.[19] Eurypylus was noted both for being one of the most handsome men ever (next to Memnon) and for fighting valiantly.[20] He killed a number of opponents, including Machaon[21] and Nireus[22] and was finally killed by Neoptolemus.[23] Because of him having killed Machaon, a son of Asclepius, his name was not to be pronounced in the temple of Asclepius in Pergamum.[24] Eurypylus had a son, Grynus, who became king in Mysia and was known as the eponym of Gryneion.[25]
Son of Poseidon[edit]
There were two distinct sons of Poseidon bearing the name Eurypylus.
Eurypylus of Cos[edit]
Eurypylus was king of the island of Cos. He was son of Poseidon and Astypalaea, husband of Clytie and father of Chalciope, Chalcon and Antagoras.[26] Heracles landed on Cos to escape a storm sent upon him by Hera, but the Coans took him for a pirate and attacked him; in a battle that ensued, Eurypylus was killed by Heracles.[27] In another version, Heracles planned the attack on Cos because he liked Eurypylus' daughter Chalciope and intended to abduct her.[28] Chalciope is indeed known as the mother of Heracles's son Thessalus.[29]
Eurypylus of Cyrene[edit]
Yet another Eurypylus was a son of Poseidon and the Pleiad Celaeno, and ruled over the Fortunate Islands. He had a brother named Lycus.[30] Others state that Eurypylus was a king of Cyrene, and note that the brothers were also referred to as Eurytus and Lycaon.[31] Eurypylus married Sterope, a daughter of Helios and sister of Pasiphae, and had two sons, Lycaon and Leucippus.[32][33] Triton assumed his shape when he encountered the Argonauts in Libya.[34]
Other characters[edit]
The name Eurypylus also refers to several less prominent characters, namely:
- Eurypylus, a son of Thestius. He participated in the hunt for the Calydonian Boar, during which he insulted Atalanta and was killed by Meleager.[35]
- Eurypylus, a son of Dexamenus who accompanied Heracles in his Trojan campaign. According to Pausanias, some authors related of him, and not of the son of Euaemon, the story of the cursed chest.[37]
- Eurypylus, a son of Eurystheus killed by Heracles at a sacrificial meal alongside his brothers Perimedes and Eurybius.[38]
- Eurypylus, one of the suitors of Penelope, from Dulichium.[39]
- Eurypylus, a son of Temenus, brother of Agelaus, Callias and Hyrnetho. As Temenus intended to leave his kingdom to Hyrnetho and Deiphontes, Eurypylus and his brothers hired assassins to kill Temenus, but the army still supported their sister and her husband.[40]
- Eurypylus, father of two daughters Morphe and Clyte, who were said to have been the first prostitutes in history.[41]
- ^ Hyginus, Fabulae, 97
- ^ Tzetzes, Homeric Allegories, Prologue, 619 - 620
- ^ Scholia on Pindar, Olympian Ode 7. 42
- ^ Pseudo-Apollodorus, Bibliotheca 3. 10. 8
- ^ Homer, Iliad, 2. 735
- ^ E. g. Iliad 8. 265; 11. 663 = 16. 27
- ^ Iliad 7. 167
- ^ Il. 11. 575 - 592
- ^ Il. 11, cf. especially 11. 660 - 664
- ^ Il. 11. 809 - 844; 12. 1; 15. 390 ff
- ^ Il. 5. 77
- ^ Il. 6. 36
- ^ Pausanias, Description of Greece, 10. 27. 2
- ^ Hyginus, Fabulae, 114
- ^ Quintus Smyrnaeus, Fall of Troy, 12. 340; Tryphiodorus, The Taking of Ilios, 176
- ^ Pausanias, Description of Greece, 7. 19. 6 - 10
- ^ Dictys Cretensis 2. 5
- ^ Eustathius on Homer, p. 1697
- ^ Dictys Cretensis 4. 14
- ^ Homer, Odyssey, 11. 519 ff
- ^ Quintus Smyrnaeus, Fall of Troy, 6. 408; Pausanias, Description of Greece, 3. 26. 9; Tzetzes, Posthomerica, 518, 584
- ^ Quintus Smyrnaeus, Fall of Troy, 6. 372; Hyginus, Fabulae, 113
- ^ Quintus Smyrnaeus, Fall of Troy, 8. 200; Hyginus, Fabulae, 112
- ^ Pausanias, Description of Greece, 3. 26. 10
- ^ Servius on Virgil's Eclogue 6. 72
- ^ Pseudo-Apollodorus, Bibliotheca 2. 7. 1; Theocritus, Idyll 8. 5 with scholia
- ^ Pseudo-Apollodorus, Bibliotheca 2. 7. 1
- ^ Scholia on Pindar, Nemean Ode 4. 40
- ^ a b Pseudo-Apollodorus, Bibliotheca 2. 7. 8
- ^ Bibliotheca 3. 10. 1
- ^ Scholia on Apollonius Rhodius, Argonautica, 4. 1561, referring to Philarchus for the alternate names
- ^ Tzetzes on Lycophron, 886
- ^ Scholia on Pindar, Pythian Ode 4. 57
- ^ Pindar, Pythian Ode 4. 33; Apollonius Rhodius, Argonautica, 4. 1561
- ^ Pseudo-Apollodorus, Bibliotheca 1. 7. 10
- ^ Scholia on Odyssey 15. 16
- ^ Pausanias, Description of Greece, 7. 19. 9
- ^ Athenaeus, Banquet of the Learned, 4. 158
- ^ Pseudo-Apollodorus, Bibliotheca Epitome of Book 4, 7. 27
- ^ Pseudo-Apollodorus, Bibliotheca 2. 8. 5
- ^ Scholia on Euripides, Hippolytus, 408 with reference to Herodianus the scholiast specifically stresses that this Eurypylus is distinct from Eurypylus of Cos
|This article includes a list of Greek mythological figures with the same or similar names. If an internal link for a specific Greek mythology article referred you to this page, you may wish to change the link to point directly to the intended Greek mythology article, if one exists.


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Photoset with 1 note
Couldn't resist….
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Nice night for a ride with a buddy!
Photo reblogged from Motorcycles > Everything with 317 notes
I wish more guys looked like this. Oh wait…. you can't actually see what he looks like…
Source: bikerboiz
Time to clean them wheels.
Lovely day for riding. My friend's 2009 zx14r (left) and my 1999 ex 250. Ninja power!
Photoset reblogged from Life on the Concrete Jungle Gym with 210,657 notes
11 Untranslatable Words From Other Cultures
Follow the link for the source
Love this.
Source: amandaonwriting
Photo with 5 notes
say your prayers pony
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my beautiful beautiful horse :D
Page 1 of 17

subset: commoncrawl


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Ticklists: Alex's Cornwall and Devon ticklist.
Photo: climber Nick Arding. Route Twilight Zone, middle Fin, Lower Sharpnose, N Devon © nick arding
Submit a new photo of this climb.
Neil - Lead O/S - 2014
Hidden - Lead O/S - 25/Jun/13
Hidden - Lead - 28/Sep/11
Superb. Good gear.. easy for grade?GuyM - Lead O/S - Sep/11 with will
soph - Lead O/S - Sep/11 with Helena Robinson
good climbing, I thought was quite easy technically but sustained and being bit careful re the rocknickdonohue - Lead - Jul/11 with Andy March
Hidden - Lead O/S - 12/Jun/10
Adventure climbing! Really enjoyed finding my way up this wall. Placed a lot of gear because non of it was 100% convincing but most was probably good.Bobby Gilbert - Lead O/S - 02/May/10 with Gary Burgess
Toby Dunn - Lead O/S - 29/May/09 with Simon Lee
shark - 2nd - 29/May/09 with Toby Dunn
Steady, no real crux, interesting gearchris j - 2nd O/S - 09/Jun/06 with Ben Bradford
PaulTanton - Lead O/S - 01/Jun/02 with Dave Taylor
A good voyage-of-discovery expedition.lowersharpnose - Lead O/S - 20/Sep/98 with tombawimba
Roget - Lead O/S - 19/Jun/97
Users with this climb on their wishlist are:
Mozzy, michael00693, Sam Maher, LauraCadman, web10steelj, peteruk, Hidden, Rhys_Alun, JRae, uniqueadventures, Hidden, dispeller, alexanderjwatts, ian1234567


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Mobile phone carriers have every reason to be afraid. Very afraid. WhatsApp announced its intention to enter the voice segment. With almost half a billion active users, WhatsApp boasts a subscription that is within spitting distance of Airtel, the second largest mobile network in the world.
The prospect of cheap international voice calls will not go unnoticed by chat users. Operators have seen a sharp drop in text (SMS) revenues as users have shifted in droves to mobile chat applications. A similar migration to VoIP will be a deadly blow to many networks. Mobile terminated revenues will shrink. Lucrative international calls will all but disappear. WiFi originated calls will be difficult to block. Unlike skype, WhatsApp takes advantage of existing phone numbers and subscriber recruitment is almost automatic.
New, affordable smart phones such as the one showcased by Firefox at the recent Mobile World Congress in Barcelona will allow emerging markets to skip traditional voice in favor of packet-switched calls.
Monday, March 3, 2014
Mobile phone carriers have every reason to be afraid. Very afraid. WhatsApp announced its intention to enter the voice segment. With almost half a billion active users, WhatsApp boasts a subscription that is within spitting distance of Airtel, the second largest mobile network in the world.
Posted by Boyd at 1:18 PM 0 comments
Monday, March 25, 2013
Android vs Tizen
Back in September 2009, I wrote about the challenge posed by Google's new operating system Android to incumbents Apple, Nokia, Blackberry and LG. Since then Android has dominated the mobile phone platform. Based on Linux, the OS benefits from code contributed by a legion of programmers across the globe and available royalty-free to hardware manufacturers and software developers.
A formidable response is on the horizon. An association of some of the largest players in the electronic industry is backing Tizen, a new mobile OS platform. Tizen, like Android, is based on the Linux kernel and should benefit from the combined strengths of members such as NTT DocoMo, Huawei, Samsung and Intel. It should be interesting to see how Google responds especially given that two of the main contributors to the rapid rise of Android (Samsung and Huawei) appear to have changed camp.
Posted by Boyd at 12:14 PM 0 comments
Labels: Android, Blackberry, Huawei, Intel, LG Electronics, Linux, NTT DocoMo, Samsung, Sprint, Tizen, Vodaphone
Thursday, January 17, 2013
Fabrice is the man!
Wednesday, August 29, 2012
Microfinance: The Emperor's Old Clothes?
Microfinance is premised on the belief that providing the poor with access to affordable capital stimulates entrepreneurship, creates jobs and helps to drive poverty out of their communities. That is all very well as long as there is a market for the said entrepreneurial goods and services within the community. In other words, while microfinance may tackle the supply side there is scant empirical evidence that it simultaneously boosts demand (Say's Law). This facilitation of financing has led to too many entrepreneurial businesses chasing too few customers and employing too few people (except the business owners who subsist on poverty wages).
Posted by Boyd at 3:53 PM 0 comments
A Radio Transmitter for the Masses
Posted by Boyd at 10:43 AM 0 comments
An Apple A Day Keeps Samsung Away
Apple's i-devices are powered by iOS, an operating system based on a system developed by the Darwin Foundation. Android, an OS released by Google, drives Samsung smartphones. The ancestry of both operating systems can be traced back to open source software based on UNIX; FreeBSD in the case of iOS and Linux for Android. The software features in contention all rely on UNIX internals. No UNIX means no pinching and no bouncing.
Both Apple and Samsung should be eternally grateful to the University of California at Berkeley for releasing patent-free BSD Unix into the wild.
Posted by Boyd at 10:03 AM 0 comments
Friday, December 30, 2011
Raspberry pi: Take a byte
Troubled by a distinct decline in the computer skills of A level students applying for a seat in the Computer Science department at Cambridge University, Eden Upton and colleagues set out to build a low cost, bare-bones computer in the hope of stimulating interest in programming.
In January 2012 the Raspberry Pi will be on sale for as little at $20. Based on a 700 MHz ARM processor, this little Linux computer sports a USB port, 128 MB of RAM and HDMI interface. Targeted at teenagers the computer can play Blu-ray-quality videos and a host of other multimedia content. Only the imagination limits the possibilities gifted to programmers by the Raspberry.
Developing countries should take advantage of the low cost of procurement and ownership. Rural internet cafes are financially feasible as most of the expensive components (e.g. workstations, routers, back-haul radios) can be replaced with the computing power of the Raspberry and other open source hardware devices such as software defined radios.
2012 will be an exciting year.
Posted by Boyd at 12:15 PM 0 comments


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Rep. Dan Flynn District 2 (R-Canton)
- Industry
- Business Owner, Ranching/Agriculture
- Education
- Diploma, McCallum High School, 1961
- Spouse
- Susan
- Committees
- Homeland Security & Public Safety
- Investments & Financial Services (Vice-Chair)
- Select Committee on Transparency in State Agency Operations (Co-Chair)
Sources of Income
Flynn owns Circle F Land and Cattle Company.
He owns stock in Texaco and Shell.
Ranch in Van valued at $36,690
Owns lots in Colorado City, Co., and land in Cherokee Village, Ark.
Flynn, who owns Circle F Land and Cattle Company, authored a bill in the 2013 session to remove barriers to the sale of raw milk and raw milk products. His bill made it out of committee, but didn't get to the House floor.


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This stunning dyed freshwater cultured pearl and diamond accent pendant will add the perfect amount of sparkle and sophistication to your ensemble.
Pendant Details:
- Pendant length: 1.02 in.
- Necklace length: 18 in.
- Clasp: spring-ring
- Metal: 14k white gold
Cultured Pearl Details:
- Type: dyed freshwater
- Shape: oval
- Size: 8-8.5 mm
- Color: black
Diamond Details:
- Total weight: less than 1/10 ct.
- Cut: baguette
- Color grade: I-J
- Clarity: I2
- Setting: channel
Image(s) may be enlarged to show detail.
Diamond weights are approximate. Diamond total weights may vary between .01 and .08 ct. Some diamonds have fewer than 17 facets.
Please note, due to the high value of this item, a signature may be required upon delivery.
Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.
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The links below are ads provided by the Google AdWords™ program. Outside companies pay to advertise via these links when specific phrases and words are searched. These ads are provided by Google and are labeled as sponsored links. Clicking on these links will open a new tab displaying that respective company's own website. The website you link to is not affiliated with or sponsored by Kohls.com


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Just left from our family reunion and it was wonderful! All of the lodging was extremely clean, comfortable, and very charming. The historic ambiance surrounds all the site and the landscape was breathtaking. With hikes, trails, and ocean views, not one person had anything bad to say. The great hall was perfect for all 37 of us and the gazebo... More
Location: United States > Oregon > Langlois
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Number of rooms: 7
- Official Description (provided by the hotel):
- Located on the scenic Oregon coast, Langlois Mountain Retreat is nestled amongst evergreen woods, meadows, flower beds and lawns. And you are only a few minutes away from Windsurfing, Kayaking, Lighthouse, Beach walks, Horseback riding, a State Park and more. ... more less


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The GRS Money Mailbag #1
Published on - June 5th, 2009 (by J.D. Roth)
This week's "Ask the Readers" is a little different. After reading Trent's weekly "mailbags" at The Simple Dollar for the past year, it occurred to me that a similar format might work for Get Rich Slowly, allowing me to answer more of the reader questions I receive. This is a test of the concept.
What I'd actually like to do is keep the regular "Ask the Readers" for Friday mornings, but add a reader mailbag for Friday afternoons. What do you think? Would you like to see a new mailbag feature? Mailbag only? "Ask the Readers" only?
My goal is to be able to help as many people as possible, and to get you, the readers, to offer your input, too. Here, then, are the four questions and one success story I selected for this week:
Online IRA brokers
Gavin wants to open an online brokerage account:
I have an employer 401(k) that I have to rollover to an IRA or Roth IRA. I'm looking at online brokers like Fidelity, Vanguard, Wells Fargo, Schwab, etc. Any advice on which is the best? I'm mostly concerned about a broker that has no fees, and I can sit my money in an account that I won't have to pay attention to all that much.
This is a fantastic opportunity for reader input. Which online brokerage do you use, and are you happy with it? I'm not sure there's any one best answer. My Roth IRA used to be with Sharebuilder, but I'm in the process of moving it (and all of my other accounts) to Fidelity. I'm not a raving fan of Fidelity, but they have been helpful, have a good interface, offer some low-cost index funds, and most importantly (to me), they have a nearby office I can visit if I want help.
I'm curious to see what GRS readers recommend for online brokerage accounts.
Ally Bank and rate-chasing
David asks:
I've been reading your blog for some time now and I'm a big fan. Like you, I use ING Direct as my bank and am completely happy with it. However, I started noticing that Ally Bank has a significantly higher yield with a similar banking philosophy. I was wondering what your thoughts were on this bank and if it was worth switching.
Ally Bank is the re-named GMAC bank. The company is struggling now, and in order to stabilize is trying to obtain additional deposits. The increased financial resources will help them fund their needs, but some analysts believe the company will need another government bailout.
That said, Ally Bank is FDIC-insured and offers a great rate. If your deposits are under the current FDIC insurance limits, it might make sense for you to move there. I've not used Ally Bank myself, so I cannot comment on its web interface or customer service. You can probably find user experiences on the GRS savings account page.
Is rate chasing a good idea? That's tough to answer. For some people, it can make sense. For others, it's not worth the time and effort. For people just opening a high-yield savings account, I generally recommend going with a bank that earns high marks for customer satisfaction and offers high interest rates. For those with existing accounts, it's a judgment call. I'm content with ING Direct. You may not be.
Paying down multiple loans with the same interest rate
Here's Kelly's situation:
I have been struggling with the best way to pay off four loans with the same interest rate. I want to pay these off in whatever order will have the least interest paid overall. Here are the loan amounts:
- Loan A: $6,006.34
- Loan B:$8,162.38
- Loan C:$10,924.89
- Loan D: $19,156.14
Current Interest rate on ALL four: 6.75%
Number of payments left: 197
I'd like to pay an additional $300 per month, but don't know if I should apply this extra money "strategically" across the four loans or only to one. Does it make sense to pay the highest loan first so that I can tackle the interest portion of each payment earlier rather then later? How should I best apply this extra $300 each month so that I pay the LEAST amount in interest over the life of all these loans? I don't care about the psychological aspect of paying these loans off — I care about paying the least amount of interest over time.
The answer to Kelly's question is simple: It doesn't make any difference how she pays these off. They all have the same interest rate. Assuming she pays an extra $300 every month, it doesn't matter how that money is applied. In February's post about using spreadsheets, I demonstrated the math on a similar problem related to interest earned on multiple bank accounts with identical rates:
This same math applies to debt repayment. My advice is to pay down the smallest loan first. It doesn't affect the total interest paid, but it gets rid of a debt, which can provide a bit of breathing room, if needed.
Books and blogs about the next stage of money management?
Leslie writes:
I have been reading your blog for a number of months now and am a big fan. My personal situation however is perhaps a step or two beyond frugality, debt repayment, and beginner investing (which I find to be the most covered topics on most PF blogs) and I am wondering if you have come across any books or blogs you would recommend for people at the next stage of financial growth. (Call it 'wealth management' if you like…I don't!)
I am looking for information on overall asset allocation (real estate, private business ownership and financial instruments), when it makes sense to stop contributing to registered plans, the best way to manage charitable contributions, etc. If you could point me in a general direction, I would certainly appreciate it!
To be honest, I can't think of any blogs that cover this area of personal finance. I'm sure they're out there, but I just haven't found them yet. I would love to hear recommendations from readers. Also, please note that Get Rich Slowly will begin to cover more of this material in the future as my own financial situation improves. But it's a slow transition.
As for books, I think there are a number of options, most of them a little dry. I'm currently reading The Quiet Millionaire from Brett Wilder, and while it has great advice, there's no real "life" to it. Still, I think it meets Leslie's requirements. Other books to read include:
The latter is one of my favorites. And although it's not about asset allocation and the like, George Kinder's The Seven Stages of Money Maturity is also an excellent "advanced" book on personal finance.
Success stories
If the money mailbag does become a regular feature, I'd like to share reader success stories and/or follow-ups to past reader questions. I think both of these can be fun and interesting reads.
Here's a recent message from April, for example, that's both a success story and an update on her "Ask the Readers" about whether to buy a car or pay off debt:
One huge benefit of getting our finances in shape is that I no longer HAVE to have my job. We can now pay the bills on one salary (though we'd have to suspend our saving), so as frustrating as office politics can be, I know I could quit if it was just unbearable, and that gives me a lot of peace. Right now I'd rather deal with it, keep increasing our savings, and look for something to transition into. But the point is that I don't feel enslaved by my job anymore, all thanks to our efforts this past year.
By the way, you featured my question last year about going from two cars to one, and I thought you should know we did go to one car, used the insurance money from the other to start our emergency fund and pay off some debt, and we have yet to buy a second vehicle. It's actually low on the priority list (building house, then vacation, then second car). I'm glad we didn't listen to friends and family members who thought it was a bad idea.
That, my friends, is the first edition of the Get Rich Slowly mailbag. Would you like to see further installments? I'll probably have to be more ruthless about editing messages and my responses, but this is roughly the form it would take. Let me know if you prefer this to "Ask the Readers", if you'd like to see both, or if you'd rather have "Ask the Readers" only.
And, of course, please offer your advice to the people who submitted questions!
This article is about Ask the Readers
I liked this range of Mailbag questions, and I would like to see the feature continue with similarly focused personal-finance topics.
How about alternating between a Mailbag and an Ask the Readers? It would give you a chance to answer a few more Mailbag notes while the GRS faithful discuss the reader query.
I think you've tackled these questions/situations in a way that will facilitate a lot of discussion, and I for one would look forward to these every Friday. Continue to try to choose unique discussion points.
Like it.
With regard to Kelly's situation, I wonder if your Excel simulation actually accurately simulates what the bank does. Excel keeps track of the exact balance on each account to the nth decimal point. I suspect (I don't know) that banks round to the nearest penny/cent, and that they probably do this in the way that most benefits them (i.e. rounding up interest on loans, down on savings). If this is the case, and like I say, I don't know that it is, it might be worth paying one loan off before another, even if they are on the same rate. If they do this, it would then also make a difference whether they calculate interest on a daily, weekly, monthly, or annual schedule.
Does anyone know for certain whether banks apply rounding to customer accounts when applying interest?
As I Twittered it would be great to have both the Mailbag and an Ask the Readers!
Well Ally has slashed its rates effective today. The online savings bank is now 2.05%, MMA 1.90% and the 1 yr CD is 2.49%. Hope these rates stay the same now!
Love the idea of a reader mailbag!
Regarding brokerages: I'd advocate heavily for Vanguard (or perhaps for Tradeking, buying ETF-versions of Vanguard funds).
For people in the "OK, I'm out of debt, and I'm no longer a total beginner to investing. Now what?" stage…
My blog suggestions would be: BadMoneyAdvice.com, BehaviorGap.com, or my own blog.
My book suggestions would be Four Pillars of Investing and Random Walk Down Wall Street.
I have my money invested with Vanguard. I've really liked their customer service throughout the years and feel very confident that my money is safe. Also, they have great low cost funds that have done well over time.
Also, when I had to rollover a 401K to Vanguard, they were very informative and even called my 401K provider to walk through exactly what I needed to do to transfer the money. I was impressed. Something that I put off MONTHS to do was accomplished in 10 minutes.
I run my family's IRAs through TD-Ameritrade. Since IRAs have to be in the individual's name, I like how you can link the accounts together. Trades are pretty cheap ($10), and the tools are good.
I have high-yield savings online (Emigrant Direct), but I'm starting to have second thoughts. I know a money-market fund broke the buck last year, but is that really a serious risk? Why not just move all that cash into a MM account?
I actually disagree with you in regards to your answer to the third question about loan repayment. I am struggling with a similar situation with student loan debt, and have found that it makes sense to pay loan with the highest effective interest per day first. I have found that many loan lenders accrue interest based on a daily balance formula:
Loan Balance * Interest Rate / 365 = Interest Each Day.
Given that these loans that Kelly had all have the same interest rate, the one with the largest balance accrues the most interest per month (and makes for the largest payment). Paying down this loan first will make the effective interest per month on this loan decrease, which over time will free up extra money to put towards principal.
I understand that this will happen with the smaller loans too, but the effect is much less pronounced.
I say do both! Reader Mailbag is my favorite feature at the Simple Dollar but GRS is my favorite money blog so I'd be very happy to see a RM here at GRS. Great blog…keep it up!
Per Gavin's question regarding online brokerages for an IRA, it is crucial to know how much he has to invest to start off with. I recommend going through an automatic investment plan through either Vanguard (unsure what minimum contribution is), T.Rowe Price (minimum contribution $50/month) or Fidelity (minimum contribution $200/month). As a disclaimer, I went with T.Rowe Price and contribute the minimum amount automatically to their Retirement 2050 fund. Beware of opening an IRA through a low-cost online broker, because you'll be charged a fee for every purchase you make. That greatly eats into your returns, and hardly makes it a good deal.
Per David's question regarding AllyBank (GMAC), I've been with them for about a year and I've been very pleased. I don't ask for much, however when I've needed customer service or done a bank transfer everything works the way it should, and with an extremely competitive rate!
Per Kelly's situation with the 4 loans with the same interest rate, is that interest rate applied top-heavy to any of those loans such as how a mortgage works? If so, she should pay down the highest balance until it reaches the loan value of the 2nd highest, then pay those both down until they reach the 3rd highest, and so on. If the interest was applied in a top-heavy fashion, this would amount to Kelly paying the least amount in interest. She should be able to look at her statments to see how much she pays in interest on each loan per month.
I love the idea of a mail bag because I really enjoy seeing all of the answers given by readers. The only downside I can see right now is when you ask several questions in one post, the comments seem kind of jumbled. For instance, if I'm mainly interested in the answer to the second scenario, then it's kind of hard to weed through all the comments to find the appropriate responses.
Nice to see that this site is following the "me too" format of PF blogs [/sarcasm]. Simple Dollar is not Get Rich Slowly. JD please don't copy Trent's site. That's his unique perspective and copying it doesn't add value to your site.
Moreover, it's extremely disappointing that the well written articles and unique perspective that made GRS great are now being watered down with endless guest posts and now mailbag questions.
Where's the GRS that the readers loved 1-2 years ago. JD you had something unique in the PF blog-o-sphere and my concern is that it's starting to fade.
I'm a long time reader of this blog and I wanted to take this opportunity to give my feedback. This post is not made to be inflammatory but just a cautionary note to turn back from heading in the wrong direction.
Don't you need to know how much Kelly pays for each loan? Certainly that would have an affect on how much interest she pays over time.
I agree with Sceptor. There seem to be a growing number of "commercials" between the best posts here.
Concerning Work Less, Live More: The beginning of this book is quite nice — inspiring even. However, I would be VERY cautious about following the investing advice suggested for use when living off your money in retirement. In particular, his "safe" plan for living off interest is totally off-base and doesn't really account for the deviations in return that one will actually see. It seems that his plan results in (what I view) unacceptably high risk of running out of money in the middle of retirement.
I would second the recommendation of "A random walk down wall street." In fact, this book will hopefully keep the "advanced investor" from getting sidetracked from what really works — and what is important. In my mind, once you are reach "wealth management" the question should no longer be, 'how do I make more money?' but should instead be 'how should I use the money that I have?' This is a much more interesting question. For books on spending habits, try "The paradox of choice" and "The omnivores delima" to start. Also, something like "Afluenza" or "The high price of materialism" might be nice, to help you avoid the pitfalls that can come with having money and not knowing what to do with it. Lastly, you might check out a book called "Choosing simplicity" which is just FULL of stories of people that are choosing to live the lives that they want to live — again perhaps more important that accruing more wealth?
I, for one, enjoy the reader mailbag aspect. I think that it highlights the advantages that a dynamic medium like blogs have to offer.
I prefer the "Ask the Reader" format because, as Elizabeth points out in #7, with the mailbag format there are many comments for different questions, which makes it harder to track a particular letter with a question that you want to answer or to read the answers to that question.
Regarding savings account, we have had our emergency savings account at Ally (formerlly GMAC) Bank for a few years. They have a easy to use web interface, no cluttered statements/inserts and consistently high interest rates. I hope they make it. I'm not clear what would happen if they "failed" but I imagine it would be similar to what happened to my primary bank, bought out with minimal to no disruption in customer service, but most probably the sweet rates would go away. Therefore so I'm sticking it out as long as I can.
Unlike Sceptor (& Joey), I like the "reader mailbag" idea – on both GRS and TSD. I don't see it so much as "copying," since Trent and JD are two unique individuals offering their own, personal perspective on questions from their readers. In fact, I would even take it one step further saying it would be fun to see both Trent and JD answer the same (non-straightforward) question every now and again – just to get the (potentially) varying perspectives. That is the reason I subscribe (via Google Reader) to several PF blogs – to get different perspectives that I can evaluate and (may or may not) incorporate.
It is in their best interest to answer questions that readers submit – and, if they feel that the information contained in those answers is worthwhile to everyone, then why not post it for all to benefit? Chances are that if one reader asks a question, many more have the same question – they just don't bother to submit it "officially" to be answered.
I say keep 'em coming!
I don't like mailbags, carnivals, roundups, etc. I'd rather see fewer posts than read these "fillers."
I like it! Great format!
I have to agree with the above regarding the similarity of this blog to Simple Dollar. I expect by next week JD will have a post on making his own laundry detergent? Both of them even bought new cars with a couple weeks of each other!
In all seriousness, I'll likely keep reading, but the mailbag will be something I'll skip.
What happened to the JD that was going to start writing more about "the next stage" like Leslie asked in her question?
I use Vanguard. I stopped using Fidelity and moved all my money from Fidelity to Vanguard because Fidelity was involved in investing that suppported those causing the genocide in Darfur.
The mailbag is something that I will read once and a while. In regards to rolling over a 401k I use foliofn @ folioinvesting.com.
Wow, a critical bunch today!
As far as copying goes – I very much doubt that Trent created the idea of "reader mail bag" posts. I think they are a fun type of post because you never know what will be in the questions/scenarios.
I think with any blog you have to read the posts you like and skip everything else – it's not like a favorite tv show where you expect to like every episode.
Lastly, people change over time, blogs change over time – that's just the way it is.
I opened an IRA with T. Rowe Price because they had pretty low minimum requirements to start and I didn't have much money to put in it. I thought it was important that I just get it started.
I'd also like to see more posts by JD and not quite as many guest posts.
I think plenty of other sites offer the Reader Mailbag and do a great job of it. GRS can come up with something more inventive for a regular topic. Or as an alternative do the mail bag once a month with the most popular type of reader question from that month.
I like the idea of success stories, but I think they don't have enough meet for me, only fluff. Exactly how people got rich slowly is what I'm interested in. I know the basics, spend less than you earn, but I would like to see numbers and figures behind this.
I love the site and keep up the good work!
I like the idea of a weekly mailbag as well as an ask the readers. Wasn't GRS just featured in the WSJ as having the best readers? So why not give them a bigger slice of the article pie? Yesterday's Roth IRA post was the first time I read one of Robert B's guest posts all the way through.
Gavin, I like both Fidelity and Vanguard. My 401k is with Fidelity and my Roth is with Vanguard.
Kelly, Snowball the debt by paying off the smallest one first. Then apply the full amount you were paying to the next highest. Any "found money" should also go to paying down your debt. Just don't focus so much on paying off your debt that you forget to have fun once in a while.
Leslie, I'll second ObliviousInvestor's (comment #5) recommendations and add http://www.dividendgrowthinvestor.com/
My target date for total debt freedom is May 2012.
I love the mailbag! Keep it coming.
I find all the links and graphics on the page really annoying…I like the mailbag idea, but the format on the Simple Dollar is much easier on the eye.
Online brokers: If the intent is to invest in a "lazy portfolio" type of strategy, one need only look at the account maintenance fees. If the intent is to simplify all financial activities, look at someone like eTrade (where all of my money is), who offers online checking and other services in addition. Your total assets under one roof may also change the fees you pay. For example, at eTrade, having more than $50k in total assets with them means that they don't charge me for paper statements or IRA maintenance.
Rate chasing: If you're willing to do the extra work and keep an eye on when promotional rates expire, I don't see anything wrong with rate chasing. With respect to Ally, I would not put ALL my money there. Keep your emergency fund closer to home (not AT home, mind you) where you can easily get your hands on it should Ally close their doors. FDIC protection does not mean instant access to those funds.
Interest rates: Agree with your comments 100%. The only difference between your savings rate example is if the bank has a sliding scale for rates based on how much you deposit. You may get a better rate for depositing $20k vs. $10k.
Books: I haven't read his latest, but I find Ray Lucia's advice to be significantly more advanced than most "gurus" yet it's easy enough for most people to apply.
J.D., I also like the Mailbag because it mixes things up but it is a bit confusing to know which reader comments apply to which Mailbag question/response. My suggestion would be to post each question/response separately for easier readability.
Oh, and I would LOVE to write for GRS!!! I am 23 and am really passionate about educating other younger people -students just don't know how much they don't know when it comes to personal finance!
On IRA, I use vanguard (both IRA and after tax investing). It works (minimum 3K opening) and meets my needs, especially since I wanted to buy Vanguard ETFs as part of my after tax investing.
That said, since we have both an account in my wife's name and one in mine…no way to link them. Not a big deal, but if you were looking to log into vanguard and get your simple net worth calcs…it doesn't combine. I do that offline so not an issue for me.
On the criticism of post topics – I want to say…write what you want. If I don't like a post, a simple press of space bar and I'm onto the next article. I personally don't subscribe to TSD because so many of the posts weren't relevant…but GRS's ratio of posts I read and find value over those I skip is much higher. Key to keeping a blog going over time is enjoying the process. Keep up the good work.
Concerning the question about the 4 loan with the same interest rate and the additional $300. Don't know if it is the same in US as it is in France, but in general when you lend money in France, the amount of reimbursement per month is split between interest and capital.
At the begining you pay more interest than capital. So if it is working the same way in US I would suggest to use the $300 to reimburse the most recent loan so you avoid paying too much of the interest …
Not sure my explanation are understandable as my english is so poor, but hope it helps anyway.
Kind Regards,
French Reader
JD, it's your blog and you can do what you want. If I don't want to read the guest articles, I just go on to something else. I just like your writing.
Hi JD,
I like seeing what people ask you by email, but I have to admit I do skip at least half of the guest posts. In general, the writing style of guest posts doesn't tend to be as engaging as yours. So I'd say: fewer guest posts, yes to mailbag (and whatever the Ask the Readers is- I guess it never stuck out to me! How is mailbag different from Ask the Readers?)
About paying off loans with the same interest:
@Kelly – it's true—it doesn't matter at all which one(s) you pay off first if they all have the same interest rate. So, the best strategy is probably to pay off the smallest one first. (Then add that money that you used to be paying for that loan to the extra $300 and apply that to the next smallest loan.) Then if something goes wrong, you now have the flexibility of making only three minimum payments instead of four. Also, it's fun watching the number of loans shrinking quickly.
However, there may be other concerns. If one loan payment has to be done by mail, you'll save stamp money by paying that one off first. If one loan payment is tricky and you're sometimes late on that one and have to pay a fee, you might want to pay that one off first. If one of the companies is particularly slimy or in any other way especially stressful, pay that one off first: You'll be done with them quicker and they'll get the minimum interest possible given what you can afford.
@Aaron – the effect of paying off smaller loans is not at all "less pronounced" than that of paying off larger loans. In each case you are reducing the principal by $300.
@kaloooni – Interest is calculated the same here as in France. It's true that the bigger loans have more interest, but you are paying all of that with your minimum payment. All of the extra $300 will go to principal. The overall interest for the following month will be reduced by the same amount regardless of which account it is applied to.
I personally prefer to only read really good posts, even if they're less frequent. I have a limited amount of time and energy to devote to discovering interesting things to read online, and I've removed sites from my RSS reader in the past when I found myself looking at unappealing headlines and immediately marking them as read more often than I actually read anything at the site. Sure, most of these sites still post something I find interesting once in a while, but if they bury it in enough clutter, I'll eventually just go somewhere else.
But for what it's worth, I prefer the mailbag to the 'ask the readers' format. Every post with comments enabled (which is all of them) is implicitly an 'ask the readers' post. And I wouldn't consider answering reader questions to be stealing another blogger's idea, it's been a pretty well established format for advice columns in newspapers for decades.
@Gavin: I've been with TD-Waterhouse, now TD Ameritrade for 4yrs and am happy. Have heard good things about Vanguard as well, and if you plan to buy mostly Vanguard funds (which is what I do), then consider them as well.
@Kelly: Pay them off smallest to largest, aka Dave Ramsey Debt Snowball…I recommend this even if interest rates on larger notes was higher than your lowest debt…there's a big psychological benefit in doing this, as you get to see yourself making progress.
@Leslie: I haven't found one yet either, however I do really like the forums at Bogleheads.org, and they have a great wiki as well. Clearly this is slanted toward the methods advocated by Jack Bogle. Some of the posters there have been there for years, have great wisdom to share, and occasionally Jack Bogle himself posts in the forums. Next on my list to read are : "The Four Pillars of Investing" and "The Bogleheads Guide to Investing"
I love the idea of the Mailbag and Ask The Readers! It gives a chance to have more questions answered. ^_^
After using both Fidelity and Vanguard for my work 401k accounts, I 100% prefer Vanguard over Fidelity. From their user interface to their offered investments, they just beat Fidelity hands down. I'm looking now to roll my Fidelity 401k over to a Roth IRA in Vanguard. For personal brokerage, I use Scottrade and have no complaints, but no raving reviews either.
I like the mailbag, but I would not want to see it replace "Ask the Readers." I like the idea to have one in the a.m. and the other in the p.m. or the alternating week format someone suggested.
@Gavin – We've been with Vanguard for years and are very happy with their products, service, and their web site.
@David – We opened an account with ING last year after reading about them here, and although I am disappointed that their rates keep falling frequently, I am happy with their website. I like to keep things simple so I hate the thought of opening another account and leaving the ING account hanging out there or having to close it. If I knew I only had to do it once, it would be one thing, but in a few months rates will be higher somewhere else, and the process will have to be repeated.
@Kelly – I would pay off the lowest balance first. You will have one less thing to worry about, and you will get a boost from seeing that bill disappear even if right now you think it won't matter to you. Even if each company has a slightly different way of calculating their interest that results in one company charging slightly more interest than the others, the difference would be so small it wouldn't be worth the time to figure it out IMO.
Hey JD, I'm the Amanda who was featured in an Ask The Readers about taking on large amounts of debt before my husband started dental school. I have been meaning to send you an update for a while now, so perhaps I should get around to that!
I think the ask the readers articles are great. You get a wide variety of perspectives and thoughts from all across the world. My husband and I had so much fun reading the comments to each other and then discussing with each other what we did and didn't agree with.
My point is, in my opinion, don't eliminate the ask the readers. There are a lot of good questions out there, and a lot of good readers who give great advice.
Thanks to J.D. and to everyone else for their responses to my request for 'next stage' book and blog suggestions…it is much appreciated! I will check out all the recommended blogs and have already put a number of the book titles on hold at the local library. I look forward to the summer reading!
Cheers and thanks again~
Kelly wants to pay least amount of interest over time. The first consideration is the interest rate, but since they are all the same that doesn't help. There are two other factors to consider:
#1) Are any of the loans tax deductable such as student loans or mortgage loans? If so pay off non-deductable loans first.
Did you use Turbo Tax or Tax Cut to do your taxes this year? If so check to see if you entered interest payments for any of these loans. Try temporarily changing that number to 0 and see if your tax bill changes.
#2) Do any of the loans have bad early payment policies? Don't make extra payments for any loans that have pre-payment penalties!
#3) Are any of the terms different? It sounds like they are all 197 payments left, but if they aren't you should pay more to the loan with the longest term first.
Leslie, I really enjoy the following blogs on investing: http://www.obliviousinvestor.com/ http://www.behaviorgap.com/
If you want a great podcast on wealth management check out: http://www.money-guy.com/
-Rick Francis
@Gavin – I work for a pension and investment records company, and we use Charles Schwab's services for almost all our clients, I recommend them highly. I absolutely do not recommend Fidelity.
@JD – I always enjoy seeing reader mail and your insightful answer. Both the mailbag and ask the readers sound good if it doesn't cut too much into your regular articles, which are great.
I haven't hit the financial success area yet, but I feel like I'm closing in. Yesterday I got a credit card through my credit union and when the representative saw my credit score he gave me a high five. It was silly, but still enjoyable to see someone get that excited over it.
Please add me to the group of voices who are in favor of both a mailbag and an ask-the-readers feature. On the other hand, I also tend to agree that the number of guest posts recently has caused me to skip more columns than I used to. I tend to prefer the idea of finding a single writer whose writing informs and complements the current GRS style. If you find a few promising finalists, it might even be fun to let the readers vote (especially if you pick a young writer as more of an "intern" than a "partner").
Kelly: I think this might be really obvious, but in case you haven't thought of it, I'll bring it up. Do any of your debts compound interest? Having credit card debt is more expensive than car loans or student loans in my experience, because the latter two just do simple interest.
If any of them do, you might consider paying those off first.
I suggest ShareBuilder for small-ball starting investments and Vanguard once you break the $10k necessary for their standard accounts. It's an all Vanguard show past $10k; I don't really know anyone else that will handle your money better. (Note this is $10k per account, not total.) Getting there is the hard part, which is why I recommend Sharebuilder.
The fees are $4 per product buy. (Mutual funds are available for free, but I despise most mutual funds. With that being said, the ING REIT mutual fund is part of my rollover portfolio and has performed very well the last year.) Minimum buy amount is $100 per product. Obviously, 2.5% is a fairly ridiculous fee, so the trick is to be patient and buy in bulk. For example, I wait until I have $1000, then purchase my shares according to my investment plan. My Roth IRA has four products in in (all EFT indexes), so I end up spending about 0.4% a product, which seems quite reasonable to me.
The other hangup is Sharebuilder's interface, which obfuscates your ability to purchase in a manner I can only assume is intentional. It will seem, at first, that you have to buy your products at the same time you transfer your money over. You don't. The trick is to set up recurring deposits to your money market account, then automate your investment plan to invest when your money market account tops a certain level ($1000, in my case).
The sell fee on a non-mutual fund (even EFTs) is a flat $20, however, so you won't want to rebalance if you can help it. Try to pick a portfolio strategy which doesn't require it, or—if you're a math geek like me—just change your next automatic investment to build rebalancing in.


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Grand and LorimerBrooklyn's Art and Music Scene 1998-2005Photography by Emily WilsonTen years ago, Emily Wilson captured an exciting and thriving art and music scene happening in Brooklyn, NY. Her work highlights early encounters with artists such as Liars, TV on the Radio, Yeah Yeah Yeahs, Oakley Hall, Black Dice, The Seconds, Christian Joy, and Katie Eastburn, to name a few.
To celebrate, a party for Grand and Lorimer will take place at Pete's Candy Store in Williamsburg on Saturday, November 20thfrom 4pm to 7pm. Emily will show slides of her photographs throughout the afternoon.Grand and Lorimer Book Release Party
Brooklyn's Art and Music Scene 1998-2005Photography by Emily WilsonSaturday, November 20th 4pm to 7pmPete's Candy Store709 Lorimer StreetBrooklyn, NY


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80's Man-God Tom Atkins has been cast in the 3D remake of "My Bloody Valentine"! I now officially take back everything bad I've ever said about this film. Tom freaking Atkins? Where did they dig him up from?
So, one of the original writers of "Robocop" now is referring to the next film as "Robocop 4" and not a "remake". Not sure if that's wishful thinking on his part, but that and more thoughts on the series can be found at the link.
Pay attention, Louis. The Scifi channel just finished filming a flick in Australia titled Goblin Shark Attack. Hey, amazing titles speak for themselves people.
Here are some synopses and casting lists for "Fear Itself", to debut on NBC this summer. NBC is taking a huge risk with this show, so it should be interesting as to how it pans out sans the R rating afforded by The Showtime network.
Frank Miller's "Spirit" has been moved up to December 25th, showing that Lions gate is feeling confident about Miller's directorial debut. The film, based on a popular comic strip, goes like this: "A slain rookie cop who returns from the dead to fight crime and track a cold-blooded killer." Sounds good to me!
International "X-Files 2" Poster. I'm ready for the hype train on this to stop until it's release, but I know we have a few resident fans so I'm just doing my part for ya.
A South Jersey cop has been sentenced for an incident in 2006 in which he forced a cow to give him fellatio. I'm going to go out on a limb and say that's the only time you'll see all those words in the same sentence together. Oh, and ewww.
Police were less shocked by the 30 cats in Michael Vondueren's home in Sacramento when they busted in recently, as they were about the 300 dead cats in his freezers. I can't fathom actually wanting to own ONE cat, so you can imagine how much I relate to this story.
A judge hearing a case brought by the RIAA regarding the use of "Shared Folders" on your computer has ruled that it is not unlawful to store music in a shared folder on your computer, effectively setting a precedent that may kill many suits brought on by the recording industry cartel. The good news is you can now continue to share those Weird Al tracks of yours unencumbered. Rejoice!
1915: The ocean liner Lusitania is torpedoed by German submarine U-20 off the coast of Ireland. The ship goes under in just 18 minutes. In their panic, the crew only manages to launch 6 of the 48 lifeboats. As a result 1,201 are killed. Contrary to published reports of the time, the passenger ship was smuggling 3,863 boxes of ammunition and 323 bundles of guncotton into Britain.
Welcome to Summer. The first real blockbuster is in the books, and boy was it a doozy. "Iron Man" scored with critics and with audiences. While number one at the box and $100 million sounds pretty good, to really understand how well the film did, it's helpful to look at some comparisons.
First, some prominent superhero films by Metacritic score:
Spider Man 2 - 83
Iron Man - 78
Terminator 4 is going to be PG-13. Sorry to make your head explode first thing in the morning, but it had to be done. I'm officially over the enthusiasm for this that was forced on me by everyone else.
"The Knights Templar" is about the famous holy warriors fending off an army of invading vampires. Although I'm sure they'll take liberties with the facts (vampires, after all) this concept still satisfies the history buff within me.
Three new TV spots for "The Strangers" just might be what you need to help you get over the first story. Let me know if it works. The home invasion pic starring Liv Tyler and Scott Speedman opens everywhere May 30th (only a few weeks away!).
Need another pick me up this morning? How about Saddam Hussein's diaries while in US custody. Apparently he thought he would get AIDs from sharing a clothesline with US soldiers. How adorable!
I'm no genius, but when a Priest gets caught having sex with inmates he's visiting, sending him to prison seems kind of like a vacation, doesn't it? That just seems like bad business.
Man flips off police officer, turns around to pop a wheelie, and then crashes his bike. This was all after he (presumably) screamed, "screw you bacon!"
1937: Zeppelin Hindenberg explodes at Lakehurst NJ, leaving 36 dead and others seriously burned. The video of the Zeppelin crashing may be the world's first viral video, and spawned the infamous line, "Oh the humanity!"
Last week saw the release of many peoples justification for owning a Wii; Mario Kart.
Released on every Nintendo Platform made since the Super NES, Mario Kart as been THE pinnacle of cartoon kart racing. There's hasn't been a whole lot of others mind you, but for what there is, none hold a candle to this little Italian plumber and his lead foot.


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Boucher, special teams key Flyers' 4-2 win over Sabres
By David Strehle
NHL Hot Stove NHL / Philadelphia Flyers Correspondent
Philadelphia Flyers' head coach Peter Laviolette made Brian Boucher his game three starting goaltender against the Buffalo Sabres, and it appears to have been the correct decision.
Boucher had once again proven his worth to the coach with his performance in relief of Sergei Bobrovsky in game two, sparking a Philadelphia rally in a 5-4 victory. Laviolette felt that Boucher deserved the game three start after his game two heroics.
Monday night, Boucher turned aside 35 of 37 Buffalo shots, and the Flyers penalty killers snuffed out a third period two-man advantage that lasted 1:16 while the Orange-and-Black were nursing a one-goal lead, as Philadelphia held on for a 4-2 victory.
In the process, the Flyers wrestled home-ice advantage away from Buffalo, which they had lost with a game one 1-0 defeat at the Wells Fargo Center.
The 34-year-old Boucher was in a most hostile environment at HSBC Arena, but the taunting "Boo-Shay" chants by the Sabres faithful didn't bother him whatsoever.
The Rhode Island-native outplayed Ryan Miller, who stopped 22 out of 25 Philadelphia shots.
The Flyers special teams also came up with critical efforts, as they ended the night 1-3 on the power play, and killed off five of six Buffalo man advantages.
Jeff Carter opened the scoring, ripping a shot past Miller's blocker and inside the far side post for a power play goal with Patrick Kaleta in the penalty box. It was Carter's first point of the series, and was a much-needed goal for the beleaguered power play unit.
The lead didn't last very long, though, as Buffalo got one back with a man advantage of their own.
After a couple of turnovers in the defensive zone led to extended Sabres' offensive pressure, the momentum of the game swung completely in Buffalo's favor.
With Flyers' defenseman Braydon Coburn off, for interference, Drew Stafford was able to get a shot through Boucher and a nice screen by expert crease-disturbed Tomas Vanek.
Scott Hartnell took a double minor late in the period, giving the Sabres a four-minute power play.
Buffalo outshot Philadelphia by a 16-6 count in the first, but Boucher kept his calm and kept his team in the game.
Early in the second period, Hartnell took the puck away from Sabres' defenseman Tyler Myers at the side of the net and flipped the puck to a wide-open Danny Briere in the slot. With Miller still sprawled on the ice, Briere potted the goal against his ex-teammates. Briere went into his standard exaggerated fist pump celebration before many in the crowd knew what had happened.
The 2-1 lead was extended into a two-goal lead late in the second.
Kris Versteeg battled hard for the puck along the offensive zone right wing boards, took control of it and fed a perfect cross-ice pass to Mike Richards. The captain spotted Nikolay Zherdev – inserted into the lineup to replace Andreas Nodl – at Miller's left, and the 26-year-old Ukrainian made no mistake in giving Philadelphia a 3-1 lead with 3:16 left in the middle stanza.
Boucher made his only real mistake of the night in giving up a juicy rebound off of a Tim Connolly shot, pushing it out right to Nathan Gerbe at the left faceoff circle. The five-foot, five-inch Gerbe picked the top corner over Boucher's glove with 1:48 remaining in the second, and Philadelphia's two-goal lead was just one at 3-2 heading into the third period.
A key moment in the game – and possibly the series – came with about 14 minutes left in regulation time.
With Zherdev already off for a questionable slashing call, Darroll Powe took a horrible charging penalty as he drilled Marc-Andre Gragnani into the Sabres' goal. Buffalo would have a two-man advantage for 1:16 with 13:01 left in the third.
The penalty-killers came up with a titanic effort. Coburn blocked a shot and cleared the puck the length of the ice, and Boucher made a stop on Tyler Ennis with his mask.
With the lead on the line, it was the Flyers' crucial determination that was so prevalent in last year's playoff run, but has been lacking from the club's game for some time this season.
Finally in the waning moments, Claude Giroux was able to get the puck to Kimmo Timonen up the left wing, and the defenseman buried the puck into the empty net from center ice with just 17.8 seconds left and Miller pulled in favor of an extra attacker.
For a team in need of a galvanizing moment to their lackluster late-season performance, the goaltending shuffle just may prove to supply such an important emotional lift. The club had been sleep-walking for the last six to eight weeks of the regular season, and something needed to occur oto bring them out of their slumber.
And it appears that number 33 may just have done that.
Taking a Flyer: Coburn and Timonen were each a +3 on the night…Buffalo's Kaleta left the game with an upper body injury after attempting to hit Coburn in the first period…The surprise part of the goaltending equation was that Bobrovsky was sent to the press box, and was replaced by Michael Leighton - who spent the season in the AHL with the Adirondack Phantoms – as Boucher's backup. The move gives the Flyers the same tandem of Boucher-Leighton as they had in last year's march to the Stanley Cup Finals…With only 8:14 of ice time, Zherdev took Star of the Game honors…Blair Betts, who had an excellent winning percentage on faceoffs for much of the regular season, won just five of 17 on the night…Richards' assist on Zherdev's goal was his first point of the series. Who would have thought that Philadelphia would hold a 2-1 series lead with Carter and Richards each not recording their first points until game three?
If you have any comments or questions, you can email the author at firstname.lastname@example.com. You can also follow him on Twitter – @David_Strehle


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Written by:
You were looking for another way out
of all of this, without the degrading head dropped
to your chest, you are afraid to look them in the eyes
I guess guilt is like old bones.
I watch the nature channel and listen about
prey who are born afraid
they come out of the womb alert
some are even eating alive the same day.
Thankfully you are an atheist fool who marvels at
his own hands
Then some days you are so spiritual
some days you are neither
We are just proud you didn't come into
the world afraid
We can live with that, because what they
do to you they do to me
And since you are so high strong on your
own hands
Please have something to show for it
You little part time atheist
If you so bent on hell fire have some fun
before you do.
But what if we are already in hell
in the palm of the enemy, so afraid to acknowledge
who will really destroy the world
We look out in the jungle for someone to blame
You ask me to follow a man who gathers sheep
and watch the eyes in darkness of night
Come for us like predators do.
Forgive me for my thoughts
We hang from the sun to give the illusion we
are strong, and we are, but the sheep that follows us
brings out the hungry wild
And humanity is in me to much to be eaten alive.


text: In his last "comedy" special, Daniel Tosh does a bit about the "Star Spangled Banner." "It sucks," he says. His proof: No one plays it at parties. No one sings it. No one has the "Star Spangled Banner" on their iPod. Enter Jersey rock band Madison Rising. They took the bit personally, and have wri ... More >>


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Ed Banger recording artist and idol among hipsters, Uffie, and professional fashion/music/action photographer Quang Le were good enough to slow down for a photo after an Uffie gig in LA. What are those delicious-looking headphones around Uffie's neck, you ask? Why, those are Skullcandy Hesh model headphones with a red on black headband and ear caps and zebra-print faux fur ear pads.
I wan't this headphoneees!! >.<
January 20, 2010 by
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Photo with 8 notes
This. This. This.
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Harbor Bridge
Sydney, NSW
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Bondi Beach, NSW
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Emergency Exit
From a Bus, Sydney
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Happy Thanksgiving again to everyone!
It was so nice to be able to silently celebrate it on Thursday here in Sydney but then also see all my family celebrating as well on Friday, which was Thursday back at home (If you can´t keep up).
Now, on Sunday (tomorrow), I´m having a Thanksgiving dinner…
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Phrase: "Good on ya!"
Translation: "Way to go, dude!"
I actually haven´t heard many people say this here in Sydney but I think if I traveled to smaller cities or different parts of Australia, I would hear this and whole slew of other lingo that would make me make this face:
Link reblogged from A Couple of Tra La Las with 8 notes
The spider below is called a Huntsman Spider and we have one living in our bathroom. (NOT MY PICTURE)
This is DEFINITELY the biggest spider I´ve seen here in Sydney, but also the most harmless. The bite will hurt, but isn´t poisonous. When threatened, this spider will play dead.. which…
Check out my adventures in Sydney, where I battle the evil spiders of the bush!
*insert light saber sound effects*
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aka to binge on and make myself feel better about being so far away from everyone
Photo reblogged from A Couple of Tra La Las with 12 notes
This photo is probably the best one out of the bunch that I took yesterday on my walk around Sydney.
These flowers were so vibrant and I had to take about 20 pictures to get the focus right, but the harbor bridge is blurry in the background.
Check out all of my pictures from Australia!
Post with 6 notes
Check out my travel blog where you can find all of that and mooooooore :)
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I wonder where he was going to put them…
Post with 5 notes
Post with 2 notes
If you want to see awesome pictures of Sydney and a sweet video of some jellies, head over to my travel blog and check it ouuuuut!
Photo with 1 note
Graffiti, Bondi Beach
Follow my adventure in Sydney! Check it out, promise you won´t be bored :)
Post with 2 notes
My normal blog is boooooring, so if you want to come read something interesting that comes out of my fingertips, check out my adventures in Sydney for the next year!
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Our process for deciding on what to do after the motorhome was of course part emotional and part calculation.
On the emotional side we had to factor in leaving our home on wheels that we've enjoyed so much and have upgraded over the years against a major lifestyle change.
A major factor was also understanding what we would gain and what we would be giving up as part of a change from our DP.
To help us with this process, we came up with the following comparison table:
|Kitchen access while underway.
|Lavatory access while underway.
|Set-up and beak-down time.
|Preventive Maintenance.
|Heating/Hot Water
|Repair costs.
|RV Park/Resort access.
|Miles per Gallon.
Some additional explanation is needed for this comparison:
We didn't give an advantage to either for set-up and break-down time. While you could argue that the DP was easier with regard to levelling versus backing up and levelling the trailer, in our case we normally stay at places that have concrete pads so that side-to-side levelling wasn't a regular occurrence. Factoring in the time it took to disconnect and park the tow car as well as set-up the long hose runs on the DP for power, water and sewer as well as window (windshield, front side) shades we can actually have the trailer set-up faster and easier. If the pad/site is not very level then the trailer would take longer. In our case we also assumed that there are two of us…a person by themselves would take a lot longer due to the need to get out of the truck several times during backing in and levelling.
Maneuverability we also ranked the same. For us, the DP is definitely easier to get through intersections, RV parks, etc. However, we can't back it up (toad attached) and the ability to back up the trailer can be priceless. This is especially true the few times a year I get us into a position where I would otherwise have to disconnect the toad. Now you can make the argument that it is harder to backup the trailer, but that is mroe a function of practice and experience — as well as having a great spotter.
Some of the areas that we definitely miss from the DP include storage and the hydro-hot for hot water and heat. There is just no comparison on these items.
We gave the Fueling nod to the trailer. While in our case we still use diesel (our truck) we can access more stations and don't have to go to truck stops. While we have nothing against the truckstops, having to go inside to pay — and often prior to payment as well — was an inconvenience.
You might wonder why we listed repair costs and repairs as two seperate items. Quite simply, we consider "repairs" to be the process that you have to go through in order to take care of a problem. With a DP for major work you are generally at a truck repair center of some sort or a Coach-Care which is nearly the same. For minor work you usually end up with an RV dealer or a mobile repair technician. Either way you have systems that in our experience can not be fully addressed by either and so you not only end up having to use multiple repairers, but also have to be able to handle the potential conflicts and research into what may be the underlying problem. If you don't, you are likely to face larger repair bills due to the nature of each to throw parts at the problem if they don't understand/have experience with your rig and how the system that has failed is installed.
On the other hand, with a trailer you generally can have most anything done in the fields or worst case by an RV dealer. If there is a tow vehicle problem you can have it repaired at either the car/truck dealer or an independant shop. To us this is a great advantage, not to mention that your home on wheels is still available to live in whiel they repair the tow vehicle.
I believe that all of the rest is self-explanatory.


text:
Reader Comments (Page 1 of 1)
John you must be hopelessly offended to the point of suicide by nearly every player in the game. There is hardly a guild, character name, or any number of people in the capital cities that yell something completely offensive. How can you not know who turpster is though? Seriously. He's mentioned here a lot and is on almost all the podcasts. It's just a joke. Chill winston.


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Your Voice for the Environment
"Climb the mountains and nature's peace will flow into you as sunshine into trees, while cares will drop off like autumn leaves."
John Muir, Sierra Club founder, had a profound love for the natural world. He experienced peace in nature, but also witnessed injustices against it. Recognizing that the environment lacked its own voice, Muir spoke on its behalf. "The battle for conservation will go on endlessly," said Muir, "It is part of the universal warfare between right and wrong."
It is with Muir's spirit that Rhode Island Sierra Club volunteers lend their voices to the environment. By lending your own voice you can help combat climate change, advance the green economy, imporve our transportation system, and encourage families to get outdoors.
Muir recognized that some would always seek profit at the expense of the environment. Still, nature can be protected when our voices are raised together. "Wrong cannot last," said Muir, "Soon or late it must fall, while some compensating good must surely follow."
Elections 2014: CLICK HERE for OUR ENDORSEMENTS
Learn about volunteer opportunities.
Our Issues
Pedestrians, bikers, and transit riders need to be considered every time state and town planners consider new projects. Multimodal communities provide transportation, health, safety, and qualitiy of life benefits that automobile-centric communities do not. The Rhode Island Sierra Club is dedicated to ensuring Rhode Island's streets are accessible to more than just cars.
A rapid transition to renewable energy is key to avoiding going over the 2° C temperature rise that even conservative estimates agree is the acceptable limit. The Rhode Island Sierra Club is working to get legislation passed that would provide a variety of smart tax credits to people who pursue renewable energy projects. On a larger scale, the Club is supporting the responsible development of offshore wind farms to help reduce our state's dependence of fossil fuels.
Rhode Island is the Ocean State, so we have a lot at stake when it comes to the sea level rise associated with global warming. We've witnessed 10 inches of rise since the 1940s, and we can expect 4-6 feet more by the end of the century whether or not we reduce global carbon emissions. The Club is helping Rhode Islanders adapt and prepare for what is in store, while also working to combat greenhouse gasses at their sources. Read the Chapter's "Primer on Climate Change in Rhode Island" here.
Up Next! --> Outings and Events
Apple Picking at Phantom Farms
Saturday, September 13, 10:00 a.m.
2920 Diamond Hill Rd, Cumberland, RI 02864
Join the RI Sierra Club for apple picking (MacIntosh) at Phantom Farms. Kerri, from Phantom Farms, will greet us and offer a short discussion about the farm, her operation, and farming practices. Meet in the garden center at the picnic tables under the arbor at 10 am. To find the arbor, head towards the "Pumpkin Patch" sign in the garden center. Pricing: $20/peck (can be split between up to 4 people), $30/half bushel (can be split between up to 7 people).
Biking the Blackstone River Bike Path
Saturday, October 4 at 8:45 am
Lippit Park in Providence
If you live in Providence and want to know the best route to access the Blackstone River Bike Path in Lincoln, join this outing. We will navigate through Providence, Pawtucket, and Central Falls to reach the beginning of the bike path, then continue along the scenic, paved, bikes-only route further north into Cumberland and possibly to its terminus in Woonsocket depending on how the group is feeling.
Meet at Lippit Park in Providence at 8:45 am with your bike or at the Kelly House at the end of the Lower River Road in Lincoln with your bike at 9:45.
Meet at Lippit Park in Providence at 8:45 am with your bike or at the Kelly House at the end of the Lower River Road in Lincoln with your bike at 9:45.