Many people are sitting on XRP funds they received for free, without realizing that these funds can today be used to buy bitcoins.

These XRPs sitting in your Ripple account (wallet) can easily be sent to a Ripple gateway (like BITSTAMP) and from there used to buy bitcoins.  Or now with Ripple's "Bitcoin Bridge" it is even simpler to cash out your XRPs into bitcoin!
 - http://gigaom.com/2013/07/02/ripple-allows-payments-to-any-bitcoin-address-straight-from-its-client
 - https://ripple.com/blog/bitcoin-bridge-lets-ripple-users-make-payments-to-bitcoin-accounts

For many of us it should be like reaching into the back of the couch and finding a $20 (the value, roughly, of 1,000 XRP)!   A few who were earlier in the Ripple freebie giveaways got many, many thousands of XRPs -- which are now worth many bitcoins!

And if you don't yet have any XRPs, ... Ripple has more giveaways every so often. SnapSwap.us is a Ripple gateway that will give out 1,000 XRP for anyone who links their bank account.