Monday, October 2, 2006

The Carnival of Personal Finance ’68 Hits the Oregon Trail

Author: Nick
Category: Money
Topics:

Back in 1868, my ancestors made the decision to seek out new financial opportunities in another part of the country. They set off from the small town of Independence, Missouri on a treacherous journey to the Willamette Valley in Oregon. Along the way, they encountered all sorts of economic perils and fiscal woes. With the help of some of my friends in the personal finance blogosphere, this week’s Carnival of Personal Finance showcases the journal of my great-great-great grandfather and his family’s trek along the Oregon Trail in search of a better, higher-paying life…


a banker from boston

March 1, 1868

Our financial situation is starting to look pretty grim here in Boston. There are more and more bankers popping up every day, and I’m getting absolutely killed by these online savings accounts that offer ridiculously high interest rates. I don’t know how they do it! At first I thought it was all just a scam, but it looks like ING Direct really offers 4.40% APY.

The situation has only been complicated by the fact that Emma was laid off from her job at the bakery. We’ve been going three months now on just one income, and that’s proving to be a difficult thing to do with three kids to feed. Barely able to make ends meet, we’re not keeping any of the money we earn. Sooner or later, we’re bound to break the cardinal rule of sound personal finance by spending more than we earn!

So we made a decision as a family to try our luck in a new place. I did some research and found that I could be making a lot more money out West. Not only that, but there are more family-friendly workplaces, and there are even municipal bonds effectively yielding 7.12% APY!

We’ll be setting off for Independence, Missouri in a couple of days. And from there, it’s on to our new home in Oregon. We know the journey will be hard, and it’ll definitely be a test of our financial cunning to make it across half the country through wilderness on just $1,600, but I think we can pull it off if we work together as a fiscally responsible family.

nick, emma, tom, jill, and sam

March 30, 1868

We’ve finally made it to Independence. If only the trip to Oregon would be as simple as the one from Boston to Missouri! We’re planning to roll out with the next caravan of settlers destined for Oregon tomorrow. In the meantime, it’s off to the General Store to pick up some supplies.

March 31, 1868

As much stuff as we bought at the store, we should only be grocery shopping once a year! We ended up spending almost three-quarters of our funds, but we’re fully loaded with supplies, we have a wagon with 20 oxen ready to go, and we have enough clothes, food, and spare parts to make it to Oregon and back again.

matts creepy general store

I’m a little suspicious of that store owner, though. For instance, the store had a special on oxen where they were 25% off. Fortunately I found out before buying them that the 25% off also applied to the oxen–they only had three legs! So I decided to go with quality over price and opted for 20 four-legged oxen.

And the whole time I was in the store, there was an employee following me around and taking notes. It was rather creepy, but afterward I found out from another customer that the store was tracking customer traffic to improve sales data.

We only have about $400 left to our name, but that and our load of supplies should be enough to get us to Oregon. I’m going to turn in early tonight to prepare for the first day of the journey tomorrow.

map of the oregon trail

April 1, 1868

Our first day on the trail, we met another family originally from Chicago. They had bought a house in Chicago, but it had lots of previous claims and was uninsurable. They’re upset they didn’t look up the claims history on the property before they purchased. So they sold the house, packed up, and started heading west instead.

April 3, 1868

I decided to buy a mattress for the wagon, but I think I got ripped off. Then again, I don’t know the first thing about how to buy a mattress. Oh well. At least our ride will be a little more comfortable.

April 11, 1868

five dollars for a ferry... no way

We’ve arrived at the Kansas River crossing. The ferry operator is gouging us poor settlers, but there’s no way I’m coughing up five bucks just to cross the river. Besides, it’s only a few feet deep, so we’ll just ford it.

April 12, 1868

oops, shoulda taken the ferry

Heh. Oops.

April 14, 1868

I learned how to use Quicken 1868 to update our wagon maintenance records. Quite handy!

April 17, 1868

Tom, our oldest son, is suffering from student loan debt. He should have returned that extra loan money he didn’t really need to pay for college instead of spending it. Now if only there were an easy way to pay back student loans

April 22, 1868

We’re almost to Fort Kearney. Today we met a couple who’ve been together for years and have children but aren’t married. At first, I suspected they didn’t marry because of the advantages of a couple remaining unmarried, but then I found out they were brother and sister and couldn’t legally get married in their home state and were heading to Oregon to see if they could get the job done there.

April 23, 1868

fort kearney

We made it to Fort Kearney. While we made camp, somebody offered to trade us some Apple stock for an ox. I told him no because I heard investing in Apple may not be such a great idea right now. While Apple is a socially responsible company, I feel they’re simply too overvalued.

April 27, 1868

I’ve been thinking a lot lately about what things will be like once we make it to Oregon. Sure, it’s still months off, but a guy can dream, can’t he?

I think the first thing I’ll do is change jobs. Maybe I’ll become a money manager, one who people can trust. And maybe I’ll be able to reach our Roth IRA contribution limits, possibly even end up saving 12% of my salary for retirement. And for once, we’ll start to accumulate savings instead of living paycheck to paycheck. Yes, that would be quite nice–to be able to secure my retirement without stress or worries.

May 2, 1868

Emma’s suffering from high credit card debt. I offered her some tips to help avoid and manage credit card debt in the future, but she refused them. So we rested for four days instead; from what I hear, that seems to cure just about everything.

May 7, 1868

chimney rock

Well, we made it to a big rock that looks like a chimney. While we were there, we talked to a man who was selling oxenless wagons. Apparently they run on some sort of mechanical engine. I doubt the idea will take off, and I suspect this guy is just an affiliate for some crazy entrepreneur getting paid for each product he sells.

May 16, 1868

a thief steals 48 bullets

A thief stole 48 bullets from our wagon. Stupid punk.

May 17, 1868

That thief came back again and tried to steal more bullets. This time he only stole two of them–the ones I shot into his leg. I don’t think he’ll be bothering us anymore.

May 22, 1868

Haha, stole your journal!

May 24, 1868

The thief stole our journal, but we got it back. Increased pace to “faster than thief can walk.”

May 27, 1868

Today, we ran across a rich family making the journey to Oregon. They mentioned how they had sold off some of their stock and donated the proceeds to help out displaced Indians. I told them that it’s much better all around to donate appreciated securities directly instead. Upon hearing this, the family was quite distraught, so they gave away all their clothes, too.

June 1, 1868

I remember when I first became a banker. I really wanted to take my time deciding my future career, but someone told me not to waste too much time thinking about my first career choice. And here I am, 15 years later, still a banker. I should’ve been a carpenter instead.

June 6, 1868

Another wagon collided into ours and damaged our wagon tongue. The other driver’s insurance is paying for a rental wagon while they try to recondition our wagon tongue instead of just replacing it.

June 12, 1868

Another frugal-minded traveller we encountered today passed on 25 tips for saving money. But when he mentioned how much money we could save if we used public transportation instead, I pointed out that we were in the middle of the freakin’ wilderness.

June 14, 1868

sam has cholera

Sam has cholera. We successfully negotiated down the price of his doctor’s bill, but next time we’ll probably just amputate. Or is that another disease I’m thinking of?

And fortunately the generic prescription he needed was only $4 at Wal-Mart.

June 21, 1868

yummy deer

Went hunting. Shot two deer. They were rather pale for deer, but they were still quite tasty.

June 27, 1868

The wagon caught fire and we lost most of our clothes. But that’s okay; it’s so hot out that clothes don’t do us much good anyway. And yes, I’m journaling naked.

July 4, 1868

Happy Independence Day! I am continuing to celebrate my independence from pants this week because it’s still very hot.

Emma’s credit card debt is getting worse. I found out today she hasn’t been reading her credit card statements. How can someone spend $400 on knitting yarn??? Come on! I don’t see any sweaters made out of gold around here…

Even worse, she’s been paying off her smaller card balances first instead of focusing on those with higher interest rates. I think she’s been reading too much Dave Ramsey.

Once we reach the next fort, I’m planning to submit Emma to the No Credit Needed Network so she can start tracking her debt reduction goals.

July 9, 1868

We bumped into a family that wanted to trade for baby formula. We had store-brand formula to offer which we think is just as good, but they weren’t interested. Oh well. That just means more formula for me!

July 15, 1868

I set up a bill-paying simplification strategy. Now we pay most of our bills online automatically, though it’s a bit hard to get a decent internet signal out here in the mountains… in 1868.

July 20, 1868

Time is flying and we still have far to go. Worse, we have little money left. If only spending time were as easy as spending money!

July 23, 1868

Thanks in part to our impending financial crisis, Emma seems to be building a better relationship with money. She’s learning more about our money and how to make wise financial decisions, and she’s starting to realize that personal integrity is more important than buying stuff. She still has some trouble overcoming some of the myths of saving money, but I think we can work on that.

August 1, 1868

indian wants my clothes

A Shoshoni guide offered to take us across the river in exchange for three sets of clothing. When I told him that we only had three sets left but I didn’t mind giving up the one I was wearing, he took us across free of charge.

August 5, 1868

We’re getting really low on funds. Hopefully we’ll be able to buy a home with zero down payment in Oregon. And once lots of people start moving to Oregon, the property value of our home will skyrocket, and we’ll take out a HELOC and buy a Porsche if they’ve been invented by then.

Then again, once we get to Oregon, we’re going to be pretty darn broke. Maybe we should wait to buy.

August 13, 1868

We’re running low on food, so we may have to take drastic measures to save money on food. Maybe we’ll organize a pot luck at the next fort.

August 17, 1868

I finally enrolled us in a health savings account (HSA). Now I can pay for Sam’s snake-bite medicine with pre-tax dollars.

August 21, 1868

We’re practically down to our last dollar. Once we get to Oregon, we could invest what money we have left, but I wonder how long it will take for our money to double.

August 22, 1868

Our freaking brilliant daughter Jill traded 200 pounds of food for a Beanie Baby. I don’t care how much the thing is worth; you can’t eat a Beanie Baby, Jill.

August 23, 1868

jill has a broken leg

Jill has a broken leg. We’ve increased the wagon’s pace to “faster than Jill can hop along.” Beanie Baby. Grr…

August 30, 1868

We’re almost to the Barlow Toll Road. I’ll gladly use the few dollars we have left to pay the toll rather than raft down the rock-filled Columbia River.

safe toll road or crazy river of death... hmmm

September 5, 1868

So much for buckling down on debt! Emma just spent the last of our money on a Ralph Lauren wagon cover. Looks like we can’t afford the Barlow Toll Road anymore. I sure do hope nothing happens to my spendthrift of a wife while we’re rafting down the dangerous river instead of taking the nice, safe toll road…

September 7, 1868

rafting down the columbia river

Rollin’. Rollin’. Rollin’ down the river…

oops again

Heh. Oops.

September 12, 1868

the willamette valley, oregon

Tom and I have made it safely to the Willamette Valley in Oregon. Of course we’ll miss Mrs. Spendaholic, Miss Beanie Baby, and Little Mr. Sick-All-The-Time, but I still can’t help but feel that things are finally looking up.

The first item on our list is to find a nice plot of land to call our new home. Fortunately there’s no need for a land survey for our home; we just pick a hill and it’s ours!

September 27, 1868

So… as it turns out, the only folks who are making it here from Missouri are all the bankers. Right now, Willamette Valley has 690 bankers, one carpenter, and nobody else. As a result, the average home price in Willamette Valley has jumped to $2 million. Tom and I have decided to pack up again and head south to California. We hear housing is cheap there, and they don’t even expect very high housing prices there anytime in the next couple of centuries!


Next week’s edition of the Carnival will be hosted at Journey to Financial Freedom.

151 Responses

1.

Golbguru
October 2nd, 2006 at 4:00 am

one word for you….WOW !! :) :)

2.

foolarch
October 2nd, 2006 at 5:25 am

great adventure! Hope your luck improves in California. Say “hi” to Marty and Doc brown for me!

3.

NCN
October 2nd, 2006 at 6:00 am

You ROCK!

Crowd Chants: This is awesome, clap, clap, clap clap clap…
This is awesome, clap, clpa, cap clap clap…

Thanks for hosting,
NCN

4.

jim
October 2nd, 2006 at 6:28 am

incredible man, good job :)

5.

Single Ma
October 2nd, 2006 at 6:49 am

Impressive!!

6.

Flexo
October 2nd, 2006 at 6:54 am

Most excellent, sir. Thank you for hosting.

7.

Brian Smith
October 2nd, 2006 at 6:58 am

Brilliant! I laughed through most of it – excellently done! Finance and humour don’t combine easily, but you really nailed it.

8.

Matt
October 2nd, 2006 at 7:20 am

Simply amazing.

9.

Meredith
October 2nd, 2006 at 7:52 am

How fun to see those old Oregon Trail graphics again! THat was the only free game that my frugal mother, a teacher, could find for our hand-me-down computer.

10.

Amy
October 2nd, 2006 at 9:08 am

You ROCK! I had flashbacks through the entire thing. Oregon Trail was the bomb- I laughed the whole way through it. Thank you for starting my morning out the right way :)

11.

HC
October 2nd, 2006 at 9:28 am

I always, always, got dysentery.

This was hilarious.

12.

John Wilks
October 2nd, 2006 at 9:38 am

Thanks for hosting :)

13.

FIRE Finance
October 2nd, 2006 at 9:50 am

One of the finest Carnivals of Personal Finance ever hosted !

14.

David
October 2nd, 2006 at 9:58 am

Bravo, a job REALLY well done!

15.

Amateur Investor
October 2nd, 2006 at 10:09 am

Hilarious! Excellent Job.

16.

Todd
October 2nd, 2006 at 10:14 am

That is really clever!

This is the best carnival I have ever seen! Great job!

17.

Clever Dude
October 2nd, 2006 at 11:06 am

Nick, you’re quite odd, but nonetheless humorous.

18.

Debt Free
October 2nd, 2006 at 12:50 pm

My God, that was an ingenious breath of fresh air. Loved the retro video game graphics. Good work!

19.

Frugal
October 2nd, 2006 at 2:29 pm

If there is an award to be given out for best PF carnival hosts, I think you would win it EVERY TIME! Most creative blogger that I’ve ever seen.

20.

Colorado Health Insurance Insider
October 2nd, 2006 at 5:17 pm

That is the COOLEST carnival post I’ve ever seen. Is there an Oregon Trail game I can put on my PC? Or have you just not upgraded since ’84?

21.

Nick
October 2nd, 2006 at 5:39 pm

Colorado, you may be interested in this website:

http://www.virtualapple.org/oregontraildisk.html

It’s the original Oregon Trail that you can play in a web browser. Unfortunately you’ll need to use Internet Explorer to do so.

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Lindsey
October 2nd, 2006 at 9:57 pm

This is positively brilliant! Thank you so much for the creative approach to the carnival this week! Brought back some fun memories ;-) !

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Sagar Satapathy
October 3rd, 2006 at 8:24 am

Great Job!!! Thanks for hosting and making it highly impressive

24.

J.D. @ Get Rich Slowly
October 3rd, 2006 at 9:05 am

Great job again, Nick. I got to thinking, though — I should have been last since I basically live smack on the spot that many of these pioneers were coming to. I am sitting here, in the heart of Oregon’s Willamette Valley, posting about personal finance. :)

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2million
October 3rd, 2006 at 3:15 pm

Nice Job!

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mbhunter
October 3rd, 2006 at 10:10 pm

And this took you HOW long?! Amazing.

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Jonathan
October 5th, 2006 at 12:54 pm

Dude. Now that’s what I call a carnival.

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Little Tykes
January 6th, 2008 at 10:28 am

what a great piece of software. Do you still have a working version available?

Really enjoyed learning about it – will tell my kids about it tonight. heh

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Vik
August 3rd, 2008 at 12:56 pm

This is absolutely hilarious. I wish I had thought of it!

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montreal mortgage
May 1st, 2009 at 8:56 am

how long it took You, Amazing.

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survey land express
July 16th, 2009 at 11:28 pm

great article.

all the trails….we as surveyors walk so many trails every day.

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Sign Printing Company
June 9th, 2010 at 7:18 pm

I love the Oregon Trail timeline and adventure. Super incredibly funny. I don’t want to even think about how long it took you. :P Thanks for sharing and for your awesome blog. I love reading it.

33.

MissSapphire
July 1st, 2010 at 7:44 am

This was a great idea, amazing article! Carnivals will always remind me of some wonderful moments :) and they bring a historical atmosphere to, like you’re traveling back in time. Incredible!

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tiffany
July 26th, 2010 at 10:48 pm

That thief came back again and tried to steal more bullets. This time he only stole two of them–the ones I shot into his leg. I don’t think he’ll be bothering us anymore. haha,maybe you are right, you are strong man, why didnt u kill him?

35.

Attorney
October 5th, 2010 at 8:31 pm

Very funny site and clips. I liked this one: We only have about $400 left to our name, but that and our load of supplies should be enough to get us to Oregon. I’m going to turn in early tonight to prepare for the first day of the journey tomorrow.

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October 29th, 2010 at 7:12 am

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November 16th, 2010 at 1:31 pm

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November 30th, 2010 at 2:20 pm

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دردشة سعودية
December 1st, 2010 at 11:27 am

Thanks for the beautiful theme

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Mr Price
February 5th, 2011 at 10:18 am

I had flashbacks through the entire thing. Oregon Trail was the bomb- I laughed the whole way through it. Thank you for starting my morning out the right way

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Jocuri
February 5th, 2011 at 10:24 am

You are right I have to go to oregan this summer can’t wait

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February 25th, 2011 at 11:18 pm

I do like the post very much, was really revealing the best of this was that precisely the required part was elaborated,to the point short particulars often can help and preserves followers running around searching to the details would not need a reread.

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February 25th, 2011 at 11:21 pm

Great job again, Nick. I got to thinking, though — I should have been last since I basically live smack on the spot that many of these pioneers were coming to. I am sitting here, in the heart of Oregon’s Willamette Valley, posting about personal finance

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April 25th, 2011 at 4:29 am

Excellent Job…You have given us a good article..i congratulate for your hard work.. Even i faced difficulty by these online savings accounts that offer ridiculously high interest rates. and I will follow your points, as i am planning to take housing loan .I will share with my friends about this useful information and thanks a lot for your effort….

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May 20th, 2011 at 10:27 pm

I love the oregon trail, one of the all time great games.

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July 5th, 2011 at 3:15 am

Great job again, Nick. I got to thinking, though — I should have been last since I basically live smack on the spot that many of these pioneers were coming to. I am sitting here, in the heart of Oregon’s Willamette Valley, posting about personal finance

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July 25th, 2011 at 7:21 am

Great post :)

I still remember these stuff from highschool or so

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July 26th, 2011 at 7:14 pm

Very funny site and clips. I liked this one: We only have about $400 left to our name, but that and our load of supplies should be enough to get us to Oregon. I’m going to turn in early tonight to prepare for the first day of the journey tomorrow.

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مسلسل فرصه ثانيه
July 26th, 2011 at 7:15 pm

Great job again, Nick. I got to thinking, though — I should have been last since I basically live smack on the spot that many of these pioneers were coming to. I am sitting here, in the heart of Oregon’s Willamette Valley, posting about personal finance :)

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Trackbacks & Pingbacks

  1. [...] Carnival of Personal Finance at Punny Money with “How to Secure Your Retirement Without Stress and Worry” [...]

    Pingback by » Blog Archive » Carnivals of the Week — October 2, 2006 @ 6:05 am

  2. [...] It’s time to hit the Oregon trail with the latest Carnival of Personal Finance over at Punny Money. Edition #68 takes place in 1868, and the Carnival takes the form of a travel diary of a family traveling west. Explore the articles while following the adventures. [...]

    Pingback by Carnival of Personal Finance » Carnival of Personal Finance #68 — October 2, 2006 @ 6:59 am

  3. [...] Nick from Punny Money did a wonderful job hosting the Carnival of Personal Finance. If you’re a fan of old video games, you may like his theme. Here’s a graphical hint: [...]

    Pingback by » Check Out the Latest Carnival of Personal Finance! on Consumerism Commentary: A Personal Finance Blog — October 2, 2006 @ 8:23 am

  4. [...] This week, Punny Money put together the best Carnival of Personal Finance I’ve ever read.  If you’re like me and into personal finance, it’ll arouse some nostalgia from about 1984 and also give some very good reading about personal finance along the journey.  This adventure from 1868 is a can’t miss and has a great ending for the really frugal. [...]

    Pingback by Colorado Health Insurance Insider » Personal Finance on The Oregon Trail — October 2, 2006 @ 2:03 pm

  5. [...] Carnival of the Capitalists Carnival of Personal Finance [...]

    Pingback by The Time & Money Group Accelerates Your Path to Financial Freedom » Blog Archive » Blog Carnivals — October 2, 2006 @ 6:04 pm

  6. [...] Again, make sure you check out Punny Money’s edition of the Carnival. Thanks, not only to Nick, but also to the participants, especially those who linked back. The hosts appreciate the attention, so thank you Money, Matter, and More Musings, No Credit Needed, Scott on Money, and Single Ma! [...]

    Pingback by Carnival of Personal Finance » Great Carnival This Week — October 2, 2006 @ 9:57 pm

  7. [...] The Carnival of Personal Finance ‘68 Hits the Oregon Trail | Punny Money Nick did a fine job with this week’s carnival. (tags: carnivals pfblogs) [...]

    Pingback by Get Rich Slowly » links for 2006-10-03 — October 3, 2006 @ 7:49 am

  8. [...] Punny Money’s #68 is a great example of a fun metaphor. For another creative example, take a look at Carnival #47 at Blueprint for Financial Prosperity. [...]

    Pingback by Carnival of Personal Finance » Tips for Hosting Great Carnivals — October 3, 2006 @ 3:35 pm

  9. [...] The Carnival of Personal Finance is up at Punny Money. [...]

    Pingback by Blogging Away Debt » Blog Archive » Three Carnivals and a Festival — October 3, 2006 @ 7:47 pm

  10. Carnivals – Punny Money Hits The Oregon Trail…….

    One of the finest Carnivals of Personal Finance (#68) was hosted this week by Punny Money. We are taken on an Oregon trail in which our host uses different personal finance tenets submitted at the carnival to reach the goal. We thank our host for bei…..

    Trackback by FIRE Finance — October 3, 2006 @ 9:39 pm

  11. This Week’s Carnivals…

    Here’s a list of this week’s financial carnivals:

    Festival of Stocks #4 hosted by My 1st Million At 33
    Carnival of Business #24 hosted by Fat Pitch Financials
    Carnival of Personal Finance #68 hosted by Punny Money
    Carnival of the Capital…

    Trackback by Fat Pitch Financials — October 3, 2006 @ 9:59 pm

  12. Free Money Finance in Seven Carnivals This Week…

    Free Money Finance is part of seven carnivals this week. Here are the carnivals and my posts that were included in each: Festival of Frugality – Move, Save Money, Become a Multiple Millionaire — All in One Step Carnival of…

    Trackback by Free Money Finance — October 5, 2006 @ 5:21 am

  13. [...] Punny Money outdid himself yet again with this week’s Carnival of Personal Finance.  (Did they even have credit cards back in 1868?) [...]

    Pingback by Mighty Bargain Hunter » Carnivals for the week — October 5, 2006 @ 10:46 pm

  14. [...] Hit the trail of Oregon with the Carnival of Personal Finance #68 at Punny Money. It’s been a while since I saw something like that carnivals, personal financeBookmark to:   Related PostsCheck Out the Carnival of Personal Finance #65Check Out The Carnival of Personal Finance #70Must Read For New Bloggers: 25 Steps To A Wildly Successful Personal Finance BlogPersonal Finance is Self-DisciplineSubmit Your Articles To The Carnival Of Debt Reduction #62 [...]

    Pingback by Check Out Carnival Of Personal Finance #68 — November 22, 2006 @ 2:52 am

  15. [...] The Carnival of Personal Finance included “Save on Medical Care, Part I.” [...]

    Pingback by » Carnivals - Week of 10/02/06 @ fivecentnickel.com — February 3, 2007 @ 11:02 pm

  16. [...] Teaching Kids the Value of a Dollar defeated The Carnival of Personal Finance ‘68 Hits the Oregon Trail [...]

    Pingback by » Money Madness @ fivecentnickel.com — March 5, 2007 @ 9:00 pm

  17. [...] Teaching Kids the Value of a Dollar defeated The Carnival of Personal Finance ‘68 Hits the Oregon Trail [...]

    Pingback by » Money Madness @ FreeMoneyFinance @ raising4boys.com — March 5, 2007 @ 9:05 pm

  18. [...] These are labors of love for the hosts.  Sometimes you get the carnival in verse, with an old video game flair, with a podcast, with celebrities, or even with a Renaissance [...]

    Pingback by Blog Carnival Tips » Does it pay to be clever as a host? — March 26, 2007 @ 11:22 pm

  19. [...] http://www.punny.org/money/the-carnival-of-personal-finance-68-hits-the-oregon-trail/ cholera orgeon trail [...]

    Pingback by DS106 Minimalist travel poster | At any rate you live. — January 26, 2012 @ 7:19 pm