We have all got things in our lives that we are paying good money for, but we don't need. Things that we used at one time, but no longer get any real benefit from. These things have a way of taking over our lives, draining our bank accounts and creating stress.

So here is my list of 5 things that I can do without this year (or at least will try to do without):

1. Gym Membership: My wife and I have belonged to a lifetime fitness for some time. The club is beautiful, state of the art, and a huge drain on our finances. While we do enjoy being able to go there and use their pool in the summer or all of the equipment in the winter, it just isn't an expense that we need to have. We have a nice home gym with weights and a treadmill, and that is really all we need. So we're cancelling all gym memberships.
   
   
2. Expensive Gadgets: I am a self-confessed technophile - I love gadgets. It doesn't matter if its the latest MP3 player, or a hot new DSLR Camera. I love ALL the new gadgets, and I want them all. Of course buying all the new gadgets can be a strain on the old budget. So this year, I'm going to be limiting my budget for new electronic gadgets - as painful as that may be. No new HDTVs or MP3 Players this year!
   
   
3. Video Games (and accessories): Last year I bought my first new game system in 6 years - an Xbox 360. While I bought the system with money I got from selling other gadgets that I owned, (an old Sega Dreamcast gaming system and a DVD Recorder), I didn't realize how expensive a video game habit could be! Not only do you need to buy the system, but then you need to buy games, controllers, memory cards, batteries, battery chargers, more games, headsets and more games! Did I mention games? Not only is the video gaming habit expensive, but it can be a drain on your personal life as well when you get sucked into that video game for 6 hours straight. So I am going to try and limit my video gaming time this year, as well as only buying one or two of the new games that I want.
   
   
4. Fast Food: My wife and I are both afraid of a kitchen - or so it might seem to an outsider. We eat out probably 5-10 times a week, and those charges add up. It doesn't seem like much - but 5 dollars for lunch here and $25 for dinner there adds up to hundreds/thousands of dollars over the year. This year I am going to be trying to bring my lunch to work more often, and learning to cook (shudder).
   
   
5. DVDs: My wife and I love watching movies. One of our favorite things to do is to go and get a couple of movies and have movie night. Nothing wrong with that necessarily, except that we also tend to buy a lot of movies that we enjoy. We have probably over 200 movies stacked up next to our entertainment center, and I'll bet we've only watched about 1/2 of them. So why do we buy them? I'm not sure. I think renting the DVDs is a much better use of our money. Not only is it cheaper, but since we discovered renting from the Redbox at Mcdonald's - its free! Check out my post on the subject. Maybe we'll take some of these DVDs we have laying around and get one of those free ipods!
   

So those are some of the things that I'll be doing without this year. Its not an exhaustive list, but its a start. If we can do without those things I know we'll save hundreds if not thousands of dollars this year.

So what are your five things that you can do without? Post below in the comments or leave a link to your own post!

LINKS:
Trade DVDs for an Ipod
Free Movie Rentals

I just read these two quotes - and thought they fit well together. The subject? Having more is never enough:

“Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.”
- Benjamin Franklin

Homer Simpson:
Wow, Mr. Burns, you're the richest man in the world! You own everything!
Mr. Burns:
Ah, yes, but I'd give it all away to have just a little bit more.
- The Simpsons

"Then [Jesus] 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

Something to keep in mind - that we are not defined by how much we have, but by who we are in Christ. A good thing to think about when you are tempted to buy that new high definition TV, a new camera, or some other "possession". It can be so easy to buy things to feel good, and to equate things or possessions with a happy life. In the end, the the "possessions" can actually end up possessing us, and won't give us an enduring happiness or peace. Only God can do that.

This month in Kiplinger Personal Finance magazine they have an article talking about how much you need to save at any age to become a millionaire when you retire. They look at the ages 25, 35, 45 and 55. They make certain assumptions at each age about how much you've already saved, so their article may or may not apply to your exact situation, but maybe it can give you that nudge you need to realize that you're behind. You need to get saving!

At Age 25
You've Saved: $0
To reach one million by age 65 you need to save $286 per month.

• Contribute enough to your company 401(k) plan to capture your employer match.
• keep 100% of you account in stocks.
  
• Pay down credit cards and other high-interest debt.
  
• Set up an emergency fund in a high yield online account.

At Age 35
You've Saved: 0$
To reach one million by age 65 you need to save $671 per month.
If You've Saved: $50,000
To reach one million by age 65 you need to save $304 per month.

• Aim to save 15% of your gross income
• Shift your assets to 90% stocks and 10% bonds.
• Invest in a 529 college-savings plan

At age 45
You've Saved: 0$
To reach one million by age 65 you need to save $1,698 per month.
If You've Saved: $50,000
To reach one million by age 65 you need to save $1298 per month.
If You've Saved: $100,000
To reach one million by age 65 you need to save $861 per month.

• contribute up to $15,500 to a 401(k)
• 80% stocks and 20% bonds.
• Don't put your kids' college costs ahead of retirement.

At Age 55
You've Saved: 0$
To reach one million by age 65 you need to save $5,466 per month.
If You've Saved: $50,000
To reach one million by age 65 you need to save $4,859 per month.
If You've Saved: $100,000
To reach one million by age 65 you need to save $4,253 per month.
If You've Saved: $200,000
To reach one million by age 65 you need to save $3,040 per month.

• Add an extra $5,000 in catch-up contributions to your 401(k)
• 70% stocks and 30% bonds
• If you're coming up short, consider working a few more years

Read the whole article, however, the message is clear. Start saving as early as you can! At 31 I seem to be right about on track for the 35 year old, so that is encouraging for me. I do know, however, that I need to save more - it never hurts! As it says in Proverbs 13:11:

He who gathers money little by little makes it grow. Proverbs 13:11

Good luck!

LINKS:
Kiplinger Personal Finance

Be strong and courageous! Do not fear or tremble before them, for the Lord your God is the one who is going with you. He will not fail you or abandon you! Deuteronomy 31:6

I get today's verse from another blogger who blogged today about some hard times that his family has gone through in the last couple of years. He tells a touching story of how sometimes when you are going through hard times, the hard times can be used by God for good, even when they seem so bad. He tells the story of a farmer who keeps having things go wrong, only to be blessed later on because of his misfortune.

A few years later, his son was working in the hay loft of the barn. He slipped and fell to the ground floor, breaking his leg badly. When his neighbors heard, they came to see how his son was doing saying, “How will you harvest the crop this year without your son’s help? What will you do?” The farmer once again calmly replied, “Could be good, could be bad.”

The farmer worked hard that year to harvest the crop, harder then he ever had. He worked from early in the morning to late in the evening while his son lay mending. During that time, the civil war started. All of the older boys in the surrounding country side were called to duty to fight, his son however was not due to his broken leg. Many of those boys never returned home.

Go to his blog and read the whole story, it is very good.

Sometimes God knows our situations better than even we do, and he'll sometimes allow a storm in our life to occur because it will strengthen our faith, or cause us to remember to keep our focus on him. As in the story above sometimes a storm will even keep us from other misfortunes down the road.

In college I was headed down the wrong path, drinking and partying my way to a life that wasn't going to end well. God allowed some storms to come into my life at that time, specifically - allowing me to be in trouble with local law enforcement for underage drinking. Not once. Not twice. But three times. At the time I thought that getting caught for drinking was just about the worst thing that could happen. Now I realize that God allowing that storm in my life allowed me to get my life back on track, stop drinking excessively and move home and rededicate my life to Christ. Without that storm I doubt that things would be as good as they are today.

Jesus never promised that our lives as believers would be easy, in fact he said that we would often be persecuted for our faith. He did promise however, that if we call on him like I did, he will save us. In Matthew 14 the disciples are in the middle of a lake, a storm is upon them (troubles of life metaphor anyone?), and they are afraid for their lives. In the midst of the storm Jesus comes to them,

But Jesus immediately said to them: "Take courage! It is I. Don't be afraid." 28 "Lord, if it's you," Peter replied, "tell me to come to you on the water." 29 "Come," he said. Then Peter got down out of the boat, walked on the water and came toward Jesus. 30 But when he saw the wind, he was afraid and, beginning to sink, cried out, "Lord, save me!"31 Immediately Jesus reached out his hand and caught him. "You of little faith," he said, "why did you doubt?"

It is so important that we keep our focus on Him. Sometimes we WILL go through storms. Whether they be storms of correction because we're headed down the wrong path (like mine), or whether they're storms of perfection - helping us to perfect our faith in him, he will be with us if we place our faith in him. I'll end this with a verse from a song by Scott Krippane called "Sometimes He Calms The Storm". It has a nice reminder pertinent to my message today:

Sometimes He calms the storm
With a whispered peace be still
He can settle any sea
But it doesn’t mean He will
Sometimes He holds us close
And lets the wind and waves go wild
Sometimes He calms the storm

Have a blessed day!

LINKS:
gatherlittlebylittle.com
Matthew 14

In past weeks official looking envelopes have been appearing in people's mailboxes across the country, and some people aren't quite sure whether or not to take them at face value. The envelopes claim to be coming from the "Settlement Administrator" and if you are a quaifying credit card customer, you could be receiving $25 in refunds for credit card fees paid during foreign travel between Feb. 1, 1996, and Nov. 8, 2006.

The envelopes that people are receiving are in fact legitimate, and if you qualify you could receive a refund as well. Refunds, if you had limited travel during the above dates are $25. If you had more travel more documentation is needed for larger refunds.

So how do you make sure you don't get cheated or scammed by someone taking advantage of this class settlement? The article states that you can safeguard yourself by:

• Ignoring e-mails regarding the settlement. These will almost certainly be scams.
• Checking the return mailing address on your paper packet, which should be Settlement Administrator, P.O. Box 290, Philadelphia, PA 19105-0290.
• Ensuring that if you file a claim online, your browser address window reads "https" (indicating the data will be encrypted) before you submit any form with your name, Social Security number or credit card information.

Millions of people are expected to respond to the mailings, so it's important to take advantage of this while there are still funds available.

There are three ways to file a claim:

• The easiest is a $25 no-questions-asked refund, recommended for those with limited travel outside the U.S. between Feb. 1, 1996, and Nov. 8, 2006. If you have the ID number, you will not need to provide any personal information, either by mail or Internet.
• Others can seek larger refunds by estimating the number of days of foreign travel during the period; the settlement administrator will calculate the refund. If you have the ID number, you will not need to provide any personal information, either by mail or Internet.
• Lastly, those with extensive purchases can provide actual transaction estimates for each year that can be verified by the card issuers. This option requires the consumer to provide card numbers.

Berger & Montague, a Philadelphia law firm that handled the case, has created a Web site with details of who is eligible for a payment and how to file a claim. There also is a toll-free number, 1-800-945-9890, but he cautioned that it has been experiencing a large volume of calls.

If you traveled abroad during those years, jump on this now!

LINKS:
Settlement Website
MSNMoney Article

Today the temps here in our area of Minnesota dropped down to 16 below zero degrees farenheit. That's right, negative 16. Let me tell you, even for me - a Minnesotan born and bred - that is cold. They're saying the wind chill has gotten to -45.

Weather fact for here in Minnesota:

The coldest temperature in recorded weather history in the Twin Cities in the modern day (since 1891) is -34 in January, 1936. The pioneer record: -41 on Jan. 21, 1888! (source: Pete Boulay, Minnesota State Climatology Office)

So we didn't get a record today for cold, but its close enough for my taste. Brrrr.

"The wicked borroweth, and payeth not again: but the righteous showeth mercy, and giveth." Psalm 37:21

One principle that is important in the area of personal finance is integrity, and making sure that when you borrow money, you're paying it back.

The reasons that people will find themselves in debt vary, and it isn't always easy to understand why we do the things we do. We see that beautiful 60" Plasma screen and realize that we just HAVE to have it. Or that new super-thin laptop you saw on that tech site - you know just how you would use it. So you bought it.

Other times the reasons for debt may not be within your control. Maybe you've had an illness, or a natural disaster hit your area, but something caused your situation to get out of hand. The bills started piling up, and now you need to pay back that money that you've borrowed.

No matter where the debt came from, the fact is - it is there and now it needs to be paid off? Where to start?

Years ago I had larger debts that I had accumulated, it can be frustrating when you've got all these huge bills, and paying off small amounts on those large debts don't seem to get you anywhere. It can be frustrating to the point that you just give up on actually making anything more than the minimum payments.

Financial guru Dave Ramsey in his book Total Money Makeover talks about how getting out of debt is often more about getting your mental attitude straight, than about actually getting the numbers right when paying the debt. He talks about his debt snowball concept:

Personal finance is 80 percent behavior and 20 percent head knowledge. The Debt Snowball is designed the way it is because we are more concerned about modifying behavior than correct mathematics…Being a certified nerd, I always used to start with making the math work. I have learned the math does need to work, but sometimes motivation is more important than math. This is one of those times.

Getting out of debt can be more psychological than rational. The debt snowball concept makes it so that you're paying off the debts with the smallest balance first. That way you can see yourself making progress. The psychological benefit of actually seeing that number on the balance sheet disappear is priceless.

JD over at GetRichSlowly.com describes how the debt snowball works:

• Order your debts from lowest balance to highest balance.
  
• Designate a certain amount of money to pay toward debts each month.
  
• Pay the minimum payment on all debts except the one with the lowest balance.
  
• Throw every other penny at the debt with the lowest balance.
  
• When that debt is gone, do not alter the monthly amount used to pay debts, but throw all you can at the debt with the next-lowest balance.

The debt that I accumulated during my college and early working years included credit card debt from overseas trips, debt on my wife's engagement ring, car payments, student loan payments, and other various debts. While I didn't realize it at the time I was employing some of the very tactics that are described in this debt snowball method. I paid off the smaller debts first, then worked my way up until sometime a couple of years ago all of our debts were paid off, excluding our home mortgage (which we're working on now). So I know this works!

An extension of the debt snowball method is the "Snowflaking" idea proposed by Jaimie over at I've Paid for that Twice Already. The concept is that you take small amounts of money that you earn or save during the week and apply them to your debt. Save $5 with a coupon at the pump? Apply it to your credit card debt! Earn $15 selling a book on ebay? Apply it to that credit card debt. She explains that snowflakes are:

small amounts of money saved or earned that are applied directly to debt or into savings before they melt away into who knows where.

She continues with her five Golden rules for snowflaking:

• 1. Snowflake early and often
  
  This is really the overarching theme to snowflaking success. Snowflake whatever you can whenever you can. The more often you snowflake, the more it will become a habit to look for snowflakes. Identify them wherever you can and keep making those snowflake payments. The more ingrained the habit, the more you will find.
  
  
• 2. No amount is too small to be a snowflake
  
  I have snowflaked as little as $1.04 and as much as $1313.74 and everything inbetween. Any amount can be a snowflake, and any amount can make a difference. Especially when you are dealing with a debt that has interest charged to it (which most are) or putting money into savings earning interest, don’t wait to get to a certain amount before applying that snowflake. Whatever the amount - snowflake it.
  
  
• 3. Anything can be a snowflake
  
  Did you just save $3.40 at the grocery store using coupons? Did you just spend $5 less on shoes than you budgeted? Snowflake it. Just like any amount can be a snowflake, snowflakes can come from any source. They don’t have to be from a specific income stream or a specific budget item. Find them wherever you can.
  
  
• 4. Snowflake as immediately as possible
  
  When you save or earn money to snowflake, do it immediately. Transfer it to your savings account or make an immediate payment to debt. If you can’t do it immediately, keep very careful track of the exact amounts and pay them or save them as soon as possible. Right now, I am limited to 4 electronic payments a month on my credit card, so I keep track of all my snowflakes each week and make a payment once a week from my checking account. My past credit card, I could pay as often as I wanted, so I would send an electronic payment as soon as I could get to the computer after finding a snowflake. Don’t give yourself a chance to spend the snowflake on something else.
  
  
• 5. Keep track of your snowflakes to use for motivation
  
  A lot of small amounts may not seem like a whole lot if you don’t keep track of them. As well as watching your debt total shrink or your savings total rise, keep track of the snowflakes themselves. Keep a running total once a month to see how much all those small amounts add up to. You may be surprised, I sure was. It may not seem like much while you are doing it but a lot of little bits add up to one big chunk of debt demolished or savings achieved.

Hopefully some of these ideas can help you on your road to being debt free. God bless!

LINKS:
Total Money Makeover
Get Rich Slowly: Debt Snowflake
PaidTwice.com: Five Golden Rules for Snowflaking

Here is an interesting story on CNN money about Kevin Ham, a domain name king who started out as a doctor, and became a domain name tycoon after discovering how lucrative buying domain names could be. He is also a devout Christian:

Kevin Ham, the $300 million master of Web domains

Just a few years ago, most of the guys bidding in this room had never laid eyes on one another. Indeed, they rarely left their home computers. Now they find themselves in a Vegas ballroom surrounded by deep-pocketed bankers, venture-backed startups, and other investors trying to get a piece of the action.

And why not? In the past three years alone, the number of dotcom names has soared more than 130 percent to 66 million. Every two seconds, another joins the list.

But the big money is in the aftermarket, where the most valuable names -- those that draw thousands of pageviews and throw off steady cash from Google's and Yahoo's pay-per-click ads -- are driving prices to dizzying heights. People who had the guts and foresight to sweep up names shed during the dotcom bust are now landlords of some of the most valuable real estate on the Web.
How to make money without really trying

The man at the top of this little-known hierarchy is Kevin Ham -- one of a handful of major-league "domainers" in the world and arguably the shrewdest and most ambitious of the lot. Even in a field filled with unusual career paths, Ham's stands out.

Trained as a family doctor, he put off medicine after discovering the riches of the Web. Since 2000 he has quietly cobbled together a portfolio of some 300,000 domains that, combined with several other ventures, generate an estimated $70 million a year in revenue. (Like all his financial details, Ham would neither confirm nor deny this figure.)

Working mostly as a solo operator, Ham has looked for every opening and exploited every angle -- even inventing a few of his own -- to expand his enterprise. Early on, he wrote software to snag expiring names on the cheap. He was one of the first to take advantage of a loophole that allows people to register a name and return it without cost after a free trial, on occasion grabbing hundreds of thousands of names in one swoop.

Ham is a devout Christian, and he spends $31,000 to add Christianrock.com to his collection, which already includes God.com and Satan.com. When it's all over, Ham strolls to the table near the exit and writes a check for $650,000. It's a cheap afternoon.

Read the whole thing.

LINKS:
Kevin Ham, the $300 million master of Web domains

In the year 2009 all of regular analog broadcast TV signals will go dark, and if you don't have a digital TV or a digital tuner, your TV world will go off the air.

Before you panic - the government has now made coupons available for all homes that need to purchase a digital to analog converter box. Converter boxes will be available at an assortment of retailers, and the $40 coupon should help to defray most of the cost of getting one.

In our household we're going to need one or two of these for our old TVs, so we've already registered to receive our 2 coupons. There is a limit of 2 coupons per household. Check it out now while you still can!

LINKS:
https://www.dtv2009.gov/

"Then [Jesus] 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

This is a hard one sometimes for me to remember. As a self confessed gadget obsessed technophile, I am constantly having to remind myself that I don't need all the new gadgets, that if my friends have the newest PDA, game system or video card that I don't need to have it too. My hope isn't in my earthly possessions, but in my savior Jesus Christ. More often than not, those gadgets end up dusty in some closet or on ebay anyway, so it's often better just to not go down that road.

Cast but a glance at riches, and they are gone Proverbs 23:4-5

My hope and prayer is that I can be a good steward of the things that I have been given, and that I'll be able to keep my focus on what is important.

And now for something just a little different. Apple Crisp!


I don't usually do food blogging, but we were at a get-together with some friends recently, and for dessert they had this apple crisp that was just to die for. It was sweet, crisp and just delicious. So if you're feeling in a culinary mood, here is how you can make it:

Apple Crisp

8 C. sliced apples , peeled

Toss apples with cinnamon, sugar, & 2 Tbsp flour. Saute until apples are al dente, drain excess juice and let cool.

Topping mixture
2 C. oatmeal
1 C. brown sugar
1/2 C. butter
1/2 C. flour
1 tsp. cinnamon

Add apples to a baking pan, knead topping mixture together in a bowl and layer the topping onto the apples to completely cover them. Pack it down and bake at 350 degrees for 45 min.

If you end up making it, please let me know how it turned out - and how you liked it!

So I have been posting in the forums over at WiseBread.com where they were running a contest giving away $20 Gift cards daily to active forum posters. Amazingly enough I was one of their winners!

Now I have to figure out what I'm going to spend my gift card on. Do you have any suggestions? Reply to this post with your suggestions whether it be a book, movie, clothes, beef jerky or whatever you'd like.

The past couple of years my wife and I have been keeping close tabs on our credit. We purchased a house in late 2006 and making sure our credit was in good shape was important while we were looking for a home loan. (Yes, I know. We bought a house right before the bubble burst. Bad timing.)

Credit scores can run anywhere from a 300 to a 850 depending upon different factors. The higher your FICO score, the better. Last we checked we're somewhere in the mid to high 700s.

You can now get a free annual credit report through the government's website at annualcreditreport.com. There you can pull your free report every year from the top 3 credit reporting agencies (Experian, Equifax, Transunion).

For another credit score option, Jonathan over at MyMoneyBlog.com has information about a daily credit score checking website called Credit Karma. The site is currently in beta, and you'll need an invite to join the site, but basically the webpage will send you daily updates on your credit score - their scores range from 300-900. This can be compared to FICO's own score watch program that can run $90 or so. Credit Karma is free, but is supported by advertisers. I'm waiting for my invite right now!

UPDATE: Jonathan at MyMoneyBlog.com reports that you can use invite code: CKFRND to join Credit Karma. I just checked my score today and surprisingly I am at 889! I guess that's what happens when you never miss a payment - or even send one in late. :)

LINKS:
annualcreditreport.com
Credit Karma
MyMoneyBlog.com

"If they obey and serve him, they shall spend their days in prosperity, and their years in pleasures." Job 36:11

I just started blogging here this week - and already I am already tired of the old blogger template I was using. I have now switched over to a new blogger template compliments of the folks over at blogcrowds.com and the template originally designed by Ian Main called Green Marine. I hope you like the new look!

Please let me know what you think (the look might continue to change slightly) and let us know what kind of things you'd like to see us discuss on the site. Thanks and God Bless!

"Make a joyful noise unto the LORD, all ye lands.
Serve the LORD with gladness: come before his presence with singing" Psalm 100

I love listening to music, playing music and singing. I just love music. So you're probably not surprised to find out that I have an Ipod and that I listen to it pretty much on a daily basis.

What you might be surprised to know is that I didn't have to pay a dime to get my Ipod! A year or so back we were in the midst of moving to a new house, and in the process we were getting rid of a ton of old things that we had stored away. One thing that I had decided on getting rid of was my old CD collection. I had a couple hundred CDs that were just sitting in a box in the closet. I looked into selling the CDs at a local used CD store, but they were only going to pay me pennies on the dollar for all of them.

Then I found feedyourplayer.com. What feedyourplayer.com will do is take your old CDs in trade for a new Ipod (they have all the new ones including the nano and the iphone). They'll even take your CDs in trade for a new XBOX 360, Playstation 3, or a Wii if they have them in stock. If you don't have enough CDs or DVDs to do the trade, you can pay the difference in cash.

So here's how it worked. I downloaded an excel spreadsheet from their website that I had to fill out detailing all of the SKU numbers and titles of the CDs I wanted to send in. I also had some DVDs that I didn't want anymore, and they take those as well.

After filling in the spreadsheet, I emailed it in and they notified me within a couple of days which CDs and DVDs they wanted me to send in. I then boxed up the items and sent them in to feedyourplayer.com. This is the only part that actually cost me anything, and it DID cost me about $20 to send in the heavy box.

A couple of weeks later after my CDs and DVDs were processed I got my brand new 30gb Ipod Video in the mail.

So here is how the trades work out at the time of my writing this:

• 1 GB Shuffle - 40 CDs or 30 DVDs
• 4GB Nano - 75 CDs or 50 DVDs
• 8GB Nano - 100 CDs or 75 DVDs
• 8GB Touch - 150 CDs or 100 DVDs
• 16GB Touch - 200 CDs or 135 DVDs
• 80GB Classic - 125 CDs or 85 DVDs
• 160GB Classic - 175 CDs or 120 DVDs
• XBOX 360 - 175 CDs or 120 DVDs
• Playstation 3 - 250 CDs or 170 DVDs

Check out their trade calculator here to see how many CDs or DVDs you need to submit to get your item, or how much cash you'll need to pay if you don't have enough.

LINKS:
http://www.feedyourplayer.com/</