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Don Straub, a spry 88-year-old, looked at the B-24 bomber with a respect only a few men could as he stood on the runway of the Casper-Natrona County International Airport in Wyoming on July 3. Those bombers safely took him and his crew through mission after mission in the Pacific during World War II. The sight of that old bomber stirred some feelings in Straub.
"I had some memories – good and bad," he said. "It took me back.
Straub, of Windsor, was one of the WWII veterans invited to ride in a B-24 from Casper, Wyo., to Loveland. The flight was in honor of these veterans' service to their country.
Straub had been a radio operator on a B-24. Thanks to the Honor Flight of Northern Colorado, Straub received a chance to ride once again in his old seat behind the pilot's. Straub jumped at the opportunity.
"This may be my last chance," he said.
Seeing that B-24 sparked a lot of memories for him. He recalled Sleepy Time Gal, his old bomber, and the risque pinup girl his crew painted on the side. He remembered the long missions out to sea, searching for enemy boats and downed pilots. He remembered his crew and his squadron.
"We accomplished a lot of things," he said. "It was a great squadron."
For Straub, the flight was more than just one last chance to ride in a B-24 though. This flight served as a memorial to his crew and squadron and gave him a chance to remember them. He believed he was the last living member from the entire squadron.
"I thought about my crew, I knew all the guys very well," he said. "I thought about their positions."
You could almost see Don imagining his old crew as he sat in the rattling hull of the B-24 as it soared over the Wyoming-Colorado border. Straub sat and listened to the roar of the engines.
He leaned his head back against the hull of the plane and a look of reverence crept onto his face as he remembered. For Don, there couldn't have been a more fitting way to memorialize his comrades.


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We are proud to announce that this Jul 15th, 2:00 PM to 4:00 PM we will be hosting an Open House at 20578 48B Avenue in the Langley City neighborhood, Langley. This is an opportunity to visit this excellent House for sale in beautiful Langley City.
Please come with any questions you may have. In the meantime you can take a virtual tour of this Langley City House for sale.
As always please do not hesitate to give me a call at 604.533.3491 if I can answer any questions before the open house, or if you would like to book a private showing.
Tammy Evans, Personal Real Estate Corporation

subset: commoncrawl


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Sneak Peek: LMC's 2013 Christmas Commercial
Each year, Lexington Medical Center produces a commercial to wish members of our community a Merry Christmas. Tonight at 6:00 p.m. on our hospital website, you can see the official debut of the 2013 edition. The commercial features LMC employees singing "God Rest Ye Merry Gentlemen." We hope you enjoy it.


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Since I don't see the point of a GPS clock that does not show seconds, I had to figure out how to fit 6 digits on the 8x16 LED matrix. One way to do it is this:
as used by the "Matrix Clock V1.0". Kind of hard to distinguish between 0 and 8 though.
Another way is based on MixiClock, where 4 digits are crammed in a 8x8 (tri-color) matrix. (This was more than 4 years ago. Incredible how little progress I made since.)
As for the name, I settled for "Mondrian" because Kandinsky was already taken :)
The Mondrian clock is made of 2 boards: the wsduino with the GPS Bee plugged in (and the antenna affixed on the back with double sided tape, as shown in the next photo), and the LED-mini-display shield.
The GPS Bee module is connected on the hardware serial port (there are only a couple of pins left available, D2 and D17).
The clock has two buttons (on the LED matrix shield) used for incrementing the hours and the minutes respectively. The GPS synchronization occurs every 10 hours. That should be more than enough, considering that the highly accurate DS3231 on the wsduino board is responsible for timekeeping.
The clock, powered by 5V, consumes less than 200mA.
The sketch can be found here (compiles on Arduino IDE 1.0.6 and has dependencies on TinyGPS and DS1307 libraries).


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Some stars seem to constantly make headlines with their behavior bad (or just plain odd) behavior. But how much is too much?
Are you sick of hearing about Justin Bieber? Can you absolutely not handle another Amanda Bynes incident? Does the mere mention of the names Lindsay Lohan and Chris Brown make you groan?
Photos: Child stars gone bad
We want to know: Which celebrities do you find the most annoying? Tell us who makes you want to plug your ears and chant "la la la" just so you don't have to hear another word about them and their crazy antics in the comments below!


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Puff Pastry
Preheat oven to 425 degrees. Line two cookie sheets with parchment paper, set aside.
Unfold puff pastry sheet and trim edges to a 9-inch square. Cut pastry into nine rectangles. Transfer pastry dough to the prepared baking sheets; prick pastry. Bake in a preheated oven for 18-23 minutes, or until golden. (Or bake according to package directions.) Carefully remove pastries from baking sheet. Cool on a rack.
Custard Filling:
6 egg yolks beaten
2 cups milk
2 tablespoon of butter melted
1 full piece of orange peel (optional)
3/4 cup sugar
6 tablespoons of flour
1 tablespoon pure vanilla extract
Melt butter in pan add flour stir till smooth no, lumps add milk, beaten egg yolks, sugar, butter, peel if using, vanilla...stir constantly until thick and creamy, if it gets too thick add a little more milk. Remove immediately from pot as it will continue to cook and then pour into a bowl. Cool with a piece of wax paper over the top and a teaspoon of sugar this will keep the skin from forming on top.... cool completely.
Spread about 1 1/2 tablespoons of the pastry cream on the bottom layer and precede as follows:
Top with middle pastry layers. Spread another 1 1/2 tablespoons of the pastry cream on each middle layer. Finally, top with remaining pastry layers. You can stack as many as you like I used six for each pastry. Spread glaze over top of napoleons, then drizzle with melted chocolate. Chill up to 1 hour before serving.
1/2 cup chocolate chips melted (I used a microwave safe dish in the microwave)
2 cups powdered sugar
1 tablespoon butter
2 to 3 tablespoons of hot water
Mix sugar, butter and water till a smooth consistency, frosting should be loose not thick.
After the pastry is layered, slather white thick frosting over the top, drizzle with melted chocolate and swirl with a knife to get the marbled effect.
+claudia lamascolo Author


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Click here to request a
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There are currently over 189,000 apps available for Android.
Download the PDF file here and make your own Android!
Tell us what toys you like to see next by visiting our Facebook Fan page.
Just a quick note to let you know that a link to this post will be placed on CraftCrave today [29 Dec 01:00am GMT]. Thanks, Maria
winnie the pooh pls???
Hello, how are you?
I wanted to ask if you can consider doing the Coyote and Road Runner.
All papers are excellent.
A big greeting from Argentina.
Jose .-
wow! this is too cool! i love paper toys:)
we;d love to feature your work someday!!
This is awesome! Do you have one for any of the toy story toys? I love the characters and collect the little figurines for my desk.
Pessoal achei essas idéias fantasticas, hoje em dia as crianças precisam muito disso
These are really great paper toys, well done and so many of them. Personally I like paper airplane models as opposed to characters.
How about a paper pilot?
Please can you make another car apart from speed racer's car?May be uhh.... Chevrolet camaro 2010 version?!!!!
I love this robot I made it for my daughter she has it taped to the front of her balance bike and calls it c-3po she says it makes her bike faster.lol


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One of my New Year's resolutions was to reduce my hobby and entertainment spending by 50%. Each month, I budget a certain amount to spend on my hobbies and other entertainment sources, with any "leftovers" rolling over into the next month. My goal for 2010 was to spend an annual amount that equaled half of what I spent in 2009.
I knew this would be a bit difficult, mostly because I like to buy books (that's where the majority of my "entertainment" money goes). So, I decided to make the change a bit progressive to see how it worked.
The first thing I did was calculate the amount I could spend each month in 2010, which was easy enough – take my total from 2009 (somewhere around $3,000), divide it in half, then divide it by twelve, leaving me to shoot at an average of $125 a month.
Rather than radically re-shift my spending right off the bat, I decided to try incremental change to push my spending habits in the right direction.
So, in January, for example, I set a target of 75% of a typical month from 2009, capping my spending at $180. In February, I dropped it to 70% – $165. Each month thereafter, I've dropped it another 5%, leaving May at 55% of my spending from an average month in 2009. In June, I'll be at 50% and I'll stay there for a couple of months, then start dropping further, ending with November and December at 35%. For the year, the total adds up to 50% of my spending for 2009.
Making the changes small and incremental has, at least so far, made it much easier. Each month, I'm pushed just a little more to use the library instead of the bookstore. I'm pushed just a bit more to eat out less. I'm pushed just a smidge more to hold off on buying a new board game, holding off a month or two. I'm pushed to conserve money for things later in the year that I intend to do.
This idea of "incremental change" works well for other personal goals.
For example, I'm slowly increasing the amount I walk each day (on average). One week, for example, I'll set an average of two miles a day. The next week, I'll raise that average to 2.1 miles.
Now, how do I work through that average? Some days, I'll walk three and a half miles. Other days, I won't take a walk or I'll take a walk for just a mile (sometimes with my son and daughter over at the park).
The key, though, is that I meet my average for the week and that the average is slowly going up. I keep track of the data carefully using a pedometer so that I'm sure I'm meeting my goals.
Another example is moving my diet towards a vegetarian diet. To do this, I'm including meat in fewer and fewer of my meals gradually over time, replacing the meat with protein-heavy vegetables like beans.
This type of "gradual change" can be used for almost any personal finance goal.
Paying off debt matches this tactic very well. Slowly ratchet up your debt repayment over time, adding a little bit more to your payment each month and figuring out how to live on what's left.
Saving for a goal works in a very similar way. Ratchet up your savings a little bit at a time by changing your automatic savings plan to transfer a little bit more each time.
Working through your financial to-do list can be handled by doing one thing today, then two things tomorrow, then three the day after that… and the next thing you know, it's done.
The next time you're trying to adopt a new habit in your life or make a significant change to how you do things, consider working to it gradually instead of cold turkey. It can really work.
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The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger's own site by clicking on the link above.


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Something's Stu-ing: Rifkin gives good restaurant
On Sunday nights, legions of TV watchers tune in to The Restaurant, the reality TV show that follows the efforts of Rocco Despirito as he launches his latest hip Manhattan restaurant.
Stu Rifkin, however, doesn't watch the show. He doesn't need to; he lives it every day, helping restaurateurs open their eateries.
Rifkin, 41, got his start in the food biz more than two decades ago, working in The American Café in Northern Virginia while attending American University. Though his degree is in criminology, it was food service that caught– and kept– his interest.
"I have a ton of ideas and business plans," says Rifkin, "and I like to see them through."
Since moving to Charlottesville in 1991 and opening a consulting business, Rifkin has had a hand in the development of no less than 15 restaurants. As part owner of Northern Exposure, Sweetbones, and Rococo's, Rifkin honed his management skills. And, although he has since gone out on his own, he says the connections he made over the years continue to prove fruitful. (He's also a commercial real estate agent who has matched several local restaurant buyers and sellers.)
Rifkin says that clients come to him primarily by word of mouth, because his goal is not just to make things tasty, but also profitable.
"He's about the largest vat of restaurant knowledge I've ever come across," says Andrew Silver, one of three owners of Zocalo, soon to open in the former Moondance space in Central Place.
Silver says he and his partners have turned to Rifkin for advice on everything from purchasing equipment to dealing with the health department.
Rifkin was also influential in the creation of the Liberty gas station and Everyday Café in the Rivanna Ridge shopping center on Pantops, and he's now working on a similar project in Baltimore.
Furthest afield, however, is Poppy's, a health-oriented fast food restaurant that Rifkin opened in July with Bob Waldstein in Bangor, Maine. After a glowing article on Poppy's appeared in the Bangor Daily News, cars lined up 40 deep in the drive-thru, Rifkin says, and Waldstein, who handles the day-to-day operations, had to temporarily turn customers away.
So what's the secret to making it in the risky restaurant world?
Experience, says Rifkin. The number one mistake aspiring restaurateurs make is "undercapitalization," he explains. Making sure there's enough dough in the coffers to cover broken equipment and advertising expenses is key to keeping an operation open– and profitable– in the long term.
And while Rifkin would like to get in on more ventures like Poppy's, in which he has a monetary stake, he says he'll never stop consulting.
"It's the energy of doing it again," he says.Read more on: stu rifkin


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READING, Pa. (AP) – Producers at Odyssey Networks faced skepticism when they first approached Reading, Pa., about doing a Christmas special in the city. Some residents and leaders assumed it would be yet another exposition of Reading's problems — its poverty, crime and drugs — broadcasted for the world to see.
But that wasn't the story the New York City-based religious media coalition wanted to tell. The result is "One Christmas Story: People Rich in Spirit," airing at 11:35 p.m. EST Christmas Eve on CBS.
The aptly named Hope Lutheran Church, in the city's most impoverished neighborhood, is the setting as a congregation gathers in the bedecked sanctuary to listen to the Gospel account of Jesus' birth, with local choirs and choral groups providing a festive and diverse musical backdrop. Interspersed throughout are vignettes featuring residents who find joy in Christmas despite their struggles, and the volunteers and social-service organizations that help them out.
"This is not a story about poverty, about trouble, about hopelessness," said the Rev. Eric Shafer, senior vice president of Odyssey Networks, a multi-faith media organization that produces religion-themed content for television, the web and other platforms. "This is a story about hope, that people of faith have hope."
Reading, a city of 88,000 about 60 miles northwest of Philadelphia, was known for its manufacturing and railroads, then gained fame as an originator of the outlet mall. More recently, the city found itself in a different kind of spotlight when the Census Bureau released data in September 2011 showing more than 40 percent of the population lived in poverty — the highest share of any city in the nation with a population of at least 65,000. (A slight decline in the poverty rate dropped Reading to sixth place this year, with Camden, N.J., taking the top spot.)
The news didn't come as much of a surprise to service organizations that had seen an increase in the number of people seeking help. But it still felt to many like the poverty numbers presented an incomplete picture of a resilient city that is much more than the sum of its problems.
"A lot of people reacted angrily, because we don't feel as though we are poor," said Mayor Vaughn Spencer. "So there was kind of a backlash."
Odyssey itself had followed the story of Reading's decline in an award-winning online documentary released a few months after the city was named the nation's poorest. The documentary caught the attention of CBS executives who approached the media coalition about producing the network's annual Christmas Eve show.
Because of the publicity surrounding the poverty data, "we had some initial resistance from the people of Reading," recalled Shafer, 62, who grew up outside the city and whose mother taught at Reading High School.
But Odyssey officials reassured Reading that, while the program wouldn't sugarcoat the city's issues, it would focus on how people are leaning on one another — and their faith — to overcome challenges. And, of course, it would be a celebration of Christmas and its message of faith, hope and God's love.
"It's going to really help show the real spirit of this community," Spencer said.
The program will air commercial-free in David Letterman's slot.
(© Copyright 2012 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)


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Fujifilm serves people's needs through our diverse range of innovative products and services. We are using progressive technology to improve the quality of life and nurture environmental sustainability around the globe.
Professionals in many fields, from medicine to printing, use Fujifilm products to win satisfied customers and strengthen competitiveness. We are spearheading the solutions that will drive tomorrow's industries.
Fujifilm Corporation is a wholly-owned subsidiary of Fujifilm Holdings Corporation.


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Seed Production
KWS POTATO B.V. aims at producing and marketing high-quality seed potatoes. Next to our biggest seed potato production region – the Netherlands – KWS has established seed potato production in various other markets like Denmark, France, UK, and Russia in order to meet customer demands. The teams of the local KWS entities serve as the basis for a successful development of this international approach.
The Netherlands are world famous for their seed potato production. KWS POTATO B.V. is well established and experienced in the best growing areas. The light to medium clay-soil in the north-western, northern and central parts of the country supply the majority of the potato seed. The mentioned areas benefit from their relatively close proximity to the coastal areas, which reduces the risks for diseases and viruses.
The high graded pre-basic seed potato production of KWS POTATO B.V. is carried out by a selected group of specialized growers who have a comprehensive expertise in producing excellent basic seed potatoes. This potato seed is used by other groups of growers for growing commercial seed potatoes meant for export or local ware potato production. Most of those growers use the traditional system of classical clone selection. Nevertheless the use of in vitro-propagated tubers so called mini tubers is greatly increasing.
KWS POTATO B.V. aims not only at delivering a high quality of its seed potatoes but also of all services related to production, packing and transport of its products. In a close, transparent and fair communication process with its partners, KWP constantly optimizes the relevant processes. We strive at delivering customers a service package that allows sustainable and successful long-term business relations.


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Professional Community for Car Dealers, Marketing, Advertising and Sales Leaders
The Women's Automotive Speakers Bureau powered by AskPatty.com, represents a cross section of outstanding, professional and dynamic speakers who specialize i...
Views: 136
I agree Ralph. Several is in order for the upcoming year!!!!!!!!!!!
We are very honored to have Dr. Elizabeth Archuleta participate. She has a wealth of knowledge to help dealerships and the automotive industry at large become more effective at resonating with ethnic women and the LGBT market.
I am pleased and proud to see Dr. Elizabeth Archuleta shown as a member of the Women's Automotive Speakers Bureau... Would very much like to see several of these professionals scheduled at all automotive conferences, workshops, seminars and conventions.
The Women's Automotive Speakers Bureau represents a cross section of outstanding, professional and dynamic speakers who specialize in a wide range of topics and services, including keynote presentations, brand spokespersons, workshops, coaching, video training, live and recorded webinars, facilitated panel session speakers and more.
For more information on our additional speakers on the Women's Automotive Speakers Bureau go to: http://www.askpatty.com/speakers/
Click on a speaker profile to learn more and complete the online form to inquire on rates and dates or contact us directly for a proposal for your upcoming event, conference, or trade show or brand initiative at firstname.lastname@example.com.
© 2020 Created by Ralph Paglia. Powered by


text: Wilson Combat - Beretta 92G Centurion Ta... Wilson Combat Tactical Elite 1911 45 ACP... Wilson Combat .45 – CQB TACTICAL LE, 100... Wilson Combat Commander Special Color Ca... Wilson Combat Tactical elite Guns Pistols Wilson Combat Pistols Wilson Combat EDC X S mm Blackout Edition | 755 | 106 | Lc | 62.472ms View Category Wilson Combat EDC X9S 9mm Blackout Edition For Sale from Investments That Shoot | Positive feedback: 100% View | Verified Seller | 872 Completed Sales View Sellers Items /UserImages/851/901845733 14608662.jpg /UserImages/851/901845733 14608663.jpg /UserImages/851/901845733 14608664.jpg /UserImages/851/901845733 14608665.jpg /UserImages/851/901845733 14608666.jpg /UserImages/851/901845733 14608667.jpg /UserImages/851/901845733 14608668.jpg /UserImages/851/901845733 14608669.jpg /UserImages/851/901845733 14608670.jpg /UserImages/851/901845733 14608671.jpg /UserImages/851/901845733 14608672.jpg /UserImages/851/901845733 14608673.jpg Description: New offering from Wilson Combat, the EDC X9S. Check out this little beauty of a carry piece. All black edition, carry melt treatment, front night sight. Super compact self defense pistol, with a stylish package to boot, and Wilson reliability. Shiping $35 to lower 48, price reflects 3% cash discount. Read More Condition: New In Box Brand: Wilson Combat Caliber: 9mm Luger Location: TX Trades Accepted: Yes. Read More INVESTMENTS THAT SHOOT ... the right gun every time since 1989. Quality weapons have higher resale and lower overall cost due to better reliability & fewer upgrades. We stock only proven reliable & accurate weapons. Buyer has 3 day inspection period begining upon receiving FFL's receipt of firearm, in which to return firearm and all related items in identical condition received for refund of the purchase price less shipping charges. Firing or disassembling firearm in any manner voids this policy. Buyer is responsible for all damage claims. If received damaged, save all packing material and notify carrier. All used firearms sold "as-is". No warranties, expressed or implied, are provided as to working condition. All mention of conditon refers only to the outward cosmetic condition of firearm's finish & appearance, not functionoality. Buyer is advised to have firearm inspected by competent gunsmith before firing. New guns are warrantied by the manufacturer, not the retailer. New gun returns subject to return shipping and 15% restocking fee. Deposits on special orders and lay-away payments constitute purchase contracts and are therefore non-refundable. All certified funds mailed via USPS or private carrier must require our signature for delivery. We are CA DOJ certified. CA residents add $15 for DOJ paperwork. Credit +3% Shipping Notes: UPS 2nd Day Air Insured Read More Share Item Item #: 901845733 SKU: EDC X9S Investments That Shoot Seller Since: Jan. 2003 Identity Verified ( Friendswood, TX ) Trusted Seller This seller is an FFL City: Friendswood State: TX Price: SOLD Shipping: $35.00 (or FREE in-store pick up!) Accepted Payment Methods: Returns: See Description Your Recently Viewed Items


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The Convention on Wetlands of International Importance, called the Ramsar convention, is an intergovernmental treaty that provides the framework for national action and international cooperation for the conservation and wise use of wetlands and their resources.
The Ramsar Convention is the only global environmental treaty that deals with a particular ecosystem. The treaty was adopted in the Iranian city of Ramsar in 1971 and the Convention's member countries cover all geographic regions of the planet.
The Ramsar mission
The Convention's mission is "the conservation and wise use of all wetlands through local and national actions and international cooperation, as a contribution towards achieving sustainable development throughout the world".
The Convention uses a broad definition of the types of wetlands covered in its mission, including lakes and rivers, swamps and marshes, wet grasslands and peatlands, oases, estuaries, deltas and tidal flats, near-shore marine areas, mangroves and coral reefs, and human-made sites such as fish ponds, rice paddies, reservoirs, and salt pans.
The Wise Use concept
At the centre of the Ramsar philosophy is the "wise use" concept. The wise use of wetlands is defined as "the maintenance of their ecological character, achieved through the implementation of ecosystem approaches, within the context of sustainable development". "Wise use" therefore has at its heart the conservation and sustainable use of wetlands and their resources, for the benefit of humankind.
Also view the guidelines adopted by the conference of the contracting parties to the Ramsar Convention on wetlands


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Tag: zika virus
Why Liberals Are Hell Bent on Suicide
I read an article recently by a do-gooder in one of the Syrian refugee centers. She was "excited" to start "helping the refugees" and signed up to volunteer. Now she's discovered instead of welcoming grateful families into her loving embrace, she's fighting off nasty, violent, demanding men. These rapefugees sexually harass her and threaten to behead volunteers when they're given the bad… Read More ›


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Here is a walkthrough of sculpting the Sea King's head. It shows the entire process in realtime in 24 minutes with a commentary by the artist explaining how it was made. You will find all kinds of interesting tips and ideas for improving your sculpts inside!
Walkthrough Video of Sculpting the Sea King's Head in Curvy 3D


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Woodforest Bank Card Activation Number
• Tell us some more • Upload in Progress • Upload failed. Please upload a file larger than 100x100 pixels • We are experiencing some problems, please try again. • You can only upload files of type PNG, JPG, or JPEG. • You can only upload files of type 3GP, 3GPP, MP4, MOV, AVI, MPG, MPEG, or RM. • You can only upload photos smaller than 5 MB.
• You can only upload videos smaller than 600MB. • You can only upload a photo (png, jpg, jpeg) or a video (3gp, 3gpp, mp4, mov, avi, mpg, mpeg, rm). • You can only upload a photo or a video. • Video should be smaller than 600mb/5 minutes • Photo should be smaller than 5mb •.
How To Use Woodforest Rx. You can register on-line now and print your member identification card quickly and conveniently convenience of your desktop computer or save.
PADUCAH, KENTUCKY -- After realizing a check had been stolen from my fiance's checkbook and someone had forged his signature and cashed a check payable to themselves, we contacted Woodforest National Bank to advise. We made not one, not two, but numerous calls to numerous different individuals (part of management) who informed us that since the check had already been put through the account - and overdrew the account, no less - that they could not do ANYTHING to help us! Are you serious? As his financial institution, do you not take the responsibility for not being able to clearly see that was not his signature on the check?
Not to mention, the check was years out of sequence!? The financial institution has the responsibility to have his signature on file and to be aware when something suspicious occurs on the account. We have filed a police report, spoken to our lawyer, and will be pressing charges against the criminal, the institution who sent the check to the bank, but also Woodforest Bank for allowing the check to be cashed, and for knowing be advised the check was stolen and fraudulent and advising us there is nothing they can do! Because, as they say, the check hit the account a month ago and so since it has already went through. They can not assist us with the stolen/blatantly fraudulent check!!!
Instead of protecting their clients from fraud, they have used this stolen, fraudulent check to collect overdraft fees on account - which would have not been overdrawn had a criminal not cashed a forged check on the account! They are a disgrace to financial institutions and should be ashamed of themselves for not providing the security each person deserves when they entrust a financial institution with their hard earned money! TYLER, TEXAS, TEXAS -- To get help on insurance premiums, I went to Woodforest National Bank in Tyler, Texas on Hwy 64.
I asked for a 3 month statement and was charged $15.00. I do not have a printer so could not get online. If I could afford $15.00 for print-outs I would not need help on my insurance premiums. I am disabled and live on a small income so I chose Woodforest Bank because they offered free services.
When did they start charging for statements needed for insurance, social security, and disability? BATON ROUGE, LOUISIANA -- I am an ex-military wife, my ex-husband was in the Marine Corps 1st then U.
Army retired after 24 yrs in. He was deployed to Iraq after 9/11.
He stayed there for 5 years then came home for 2 weeks then retired in them 2 weeks and went back over as a contractor working with Special Forces. He has now been there 10 years. All the time he has been there he has sent me money for me to take care of the household bills and to take care of the 3 kids. We divorced in 2004 and he still sent me money till yesterday and he would send by way of wiring from his bank account with USAA & Capital One, into my Woodforest account for the last 3 yrs since I moved to Louisiana. I had been with other banks before and NEVER had any problems. Today I tried to use my debit card and couldn't so I went to the bank to find out what was wrong.
They told me my account was closed for suspicious activity on my account and 'due to the extensive monitoring required for the activity on your account we regret to inform you your account will be closed.' I called and spoke with the corporate office and they said they are not obliged to tell me what was suspicious activity was on my account. We have the same last name and the wires come in his name to my name and they can also see I pay all my bills with my debit card, so they are thinking I am a drug dealer or money laundering so they closed my account. My 3 kids have accounts with them that now we are closing and I advise you to NEVER bank with them. My ex-husband and best friend fights for this country and I can't even have him wire money to me from his bank account to pay bills and take care of the kids as long as I was with Woodforest National Bank. Because to them I am obviously a criminal and not a mother & ex-military wife of 24 years!!!
RICHMOND, VIRGINIA -- Good morning, I received an email on July 3rd from you bank concerning my bank account being compromised. This is the email I received: 'Woodforest has recently learned that your Woodforest Debit MasterCard速 ending in ** was used at a merchant whose records may have been compromised. To best protect your account Woodforest has lowered your ATM daily withdrawal limit to $100 per day; meaning, your card will continue to work on transactions that require your Signature to perform POS (Point of Sale) transactions as well as any ATM withdrawal that is $100 or less. We have also ordered a replacement Debit MasterCard速 for your account in which you should receive in approximately one week. Load X Men Origins Wolverine Pc Game Crack Free. Your new card will have the same PIN as your current Woodforest Debit MasterCard速.
You may continue to use your existing Woodforest Debit MasterCard速 until either (i), or (ii) until you activate your replacement card, whichever occurs first. If you have automatic payments set up on your existing card, you will need to inform the merchant of your new card number. You will receive an automated call and a postcard notification in the mail with additional details.
Please contact our Customer Care department at 1-877-968-7962 immediately if you suspect unusual or fraudulent activity on your account.' The problem I have is that I visited my local branch and they were to stop the fraudulent activity. As of today, whoever compromised my account is still taking money out, so I call the 1-877-968-7962 number to your customer service. I spoke to Shemekia who was very friendly and sympathetic to my situation, but when she transferred me to a manager the whole tone of the conversation changed. The lady spoke to me as if I was running a scam and as if I was the person stealing money out of my own account.
She kept asking me the same questions over and over like I was stupid or lying. She was very rude and has no customer service skills and should not be working at a bank. I will probably cancel all 4 of my accounts with Woodforest, that would include my business account. This person has wiped out my Checking and Saving account. I am currently -$511.31 in my checking and $0.00 in my saving account. Not only do I not have money I have to listen to a rude manager in customer service. I am TOTALLY DONE WITH THIS BANK.
BAYTOWN, TEXAS -- This is the worst bank company EVER. They charge you $15 for a debit card. The debit card is a flimsy POS.
My account was overdrawn a few bucks because of their fee policy even though I had direct deposit last month so it shouldn't have charged the fee. So I transferred some money from my PayPal to cover some of the negative balance. That was last week. Friday, I transferred $117, and then $17 on Saturday from my Amazon account. Sunday night, Woodforest decided to close my bank account, without emailing me or calling.
Customer service is outsourced in India or something. The first representative told me to deposit money into the account which I did. Today a representative informed me there's nothing they can do to reverse the closed account. If I want a checking account I need to go into a branch. And pay another $25 opening fee and $15 debit card fee? No thank you.
My husband called the branch manager and she didn't offer to help. Just said the transfers should bounce back to Amazon. She doesn't want my business or the $6.95 back that the bank paid to close the account? WTF, any major bank would offer to help.
I banked with a major bank for years and never had an issue. They always bent over backwards to help me. Not this lady. She couldn't care less to even offer to help as a branch manager. And my money is still floating around in limbo.
Thanks Woodforest Bank. Yes No Replies.
BOWLING GREEN, KENTUCKY -- I have been banking with Woodforest for over 2 years now. I am upset because I had overdraft protection and paid a bill, went over the 500 dollar limit and deposited the money back into the bank the same day so that I could avoid being penalized. The banker stated that my deposit should hit my account before getting penalized for going 23 dollars over. I mean come on, I put the money back into the account the same day! No one sent a notification advising that I lost my overdraft protection and so I paid my insurance, again overdrafting the account and thought I was good to go. Checked my statement only to find a rejected payment and in the negative in top of overdraft fees and a cancelled insurance policy. I will be sure not to recommend this bank to anyone.
They are money-hungry. Also had a situation where a company was running my card number without permission so I called to dispute and the dispute got rejected after having documents and a letter from the company stating that they ran it without authorization??? How am I penalized when I had all of the documents to back up my claim? RUN AWAY FROM WOODFOREST BANK. I am going to close out the account after I get my last check and pay off the overdraft because I have always been good for it. HOUSTON, TEXAS -- I must say that I have dealt with a lot of banks before we were a moving family due to my family's job. I have had many times that I would be frustrated at other banks and they acted as though they did not care.
I have to say that WFNB has always put forth extra effort to help me and my family. To be really open we even went through a time where we could not afford to fix the mess we had in the account. 2 years after we left them and walked away due to finances (which we had never done before).
We went in and they helped not only take care of the charge off they allowed us to open another account. I must say they have won my business.
I am certain that everyone has good and bad experiences, but thank you to those that helped me and mine. Yes No Replies. EBENSBURG, PENNSYLVANIA -- Long story. Their mistake but were reluctant to do anything. And lied to me. My unemployment goes into an account that I have a debit card for.
My only access to the money is by using the debit card or paying extra to do an online transfer to a bank. I wanted to pay off a 0% cc loan that was about to expire. I had a few grand in my checking account and I had about $4500 in my unemployment account. On April 23rd I went to the bank to get a $3000 cash advance to deposit into my checking account so I could pay the cc off.
When the teller swiped the card the machine malfunctioned (she didn't tell me that). She processed the transaction again and it was declined. I thought maybe there is a limit, try $2000. It was declined again.
I said try $1000. The $1000 transaction was approved. When I got home I checked to see if there was a limit and found that there was in fact no withdrawal limit. But I also saw a pending pre-authorization on my account for $3000.
I called the company and asked why the pending transaction if it was declined. They said it was not declined, that the amount was approved when the request was made. I knew that in order to get the pending removed I would need the bank to send a letter telling them they were not going to finalize the transaction. I asked the guy if there was another alternative other than waiting 5 to 10 days, he said no.
Next day, April 24th, I went to the bank and explained to the teller that there was a pending transaction for the $3000 and they needed to send a letter to the bank. I provided a copy of my statement showing the pending transaction. I thought it would be a simple request because I knew the procedure.
(It happened to me once at the post office. They said I had to swipe my card again and there were actually 2 transactions for the same amount. I did let that one go for 5 days.) They had no idea what to do so they were going to send it to someone else and let me know what they found out.
I never received a call so I just waited. 5 days and it was still there.
10 days and it was still there. I called the company and found out what really happened. They told me she had swiped the card twice and the first time got approved, the second was declined because the first was approved and there was not enough money for the second request. The 3rd attempt was declined because the first was approved.
The 4th attempt was approved because there was still enough money in the account. She also said anything over $250 would remain for 30 days unless the bank sent a letter. And she said the matter could be resolved in a few hours if they would just fax a letter. I went to the bank and asked them what was being done. They said nothing was being done because when they forwarded the matter no one had ever heard of anything like that and that they could not send a letter because they did not have any record of the transaction. I said if you have no record then what will it hurt to send a letter to that effect and tell them it won't be processed.
I got them to call someone and in the phone conversation that is when she said she swiped the card and the machine malfunctioned. But in all the people she talked to, she never told them what needed to be done. She just asked if they should do anything to get the funds released. But they still said they had never had to send any correspondence like that.
Their risk dept. Didn't have any idea.
I made a small scene in the bank at Walmart and they said someone would call me that afternoon. I went straight home and called the account company back and spoke with them again and they assured me there was nothing I could do, the bank had to do it. I called the banks main CS in Houston and talked to about 3 people and a CS supervisor told me that someone in risk was taking care of it and it would be done within the hour.
The branch manager called and I explained to him that I had called CS and he said he would call and make sure I was told correctly. Well, the next morning the transaction was still there. I called the account company and they said they had received no letter. I called the banks CS and went through about 3 people and no one knew what the hell was going on.
I finally got a CS supervisor that told me that she had spoken to someone in risk and that the letter had been faxed in that morning (18 hours later than they said they were going to) and that they had received a confirmation of the fax. I told them I wanted a copy of the letter faxed to the bank so I could pick it up. I never got to speak to anyone in risk at any point. I am the customer, shouldn't they deal with me if they are offering customer service? They can't even give you a direct call back number, you have to start everything from the automated process. I called the company back and got to the head person on duty on the phone and she told me the fax number I was given was for the Texas office and that she was in Harrisburg, Pa.
So she could not verify receipt of the fax. I told her I was going to get a copy of the letter and would she accept it if I faxed it in. She said yes. She was very accommodating and said that if she saw the money post to my account before the end of the day she would call me. I told her I would get the letter but would wait until morning before I got back to her. I went to the bank about 4 hours later to pick up the letter and no one knew a thing. After about 15 minutes they finally came up with the letter from an email.
I brought the letter home and waited. The next morning the money was back in my account showing a transaction reversal. So after 12 days and only two extra blood pressure pills I got my money back. The people at the bank did not seem at all concerned that I would have to wait 30 days to get my money even though it was their machine that malfunctioned and caused the whole ordeal. Hell, I guess all their account holders have an extra 3 grand to throw away for a month.
The lady at the account company said it is a very common thing to happen and that she has had a few banks refuse to send a letter, and those banks did complete the transaction 90% of the time. But she has never known of a bank that has never had it happen and did not know what the procedure was to rectify the situation. I think the bank was just stalling with the whole thing. They said they made a one-time exception just for me. I know this was just one incident with the bank; but the way it was (or should I say wasn't) handled and the several times they lied to me about what was being done and the total lack of communication is just not the way customer service should be provided. Especially for a financial institution. I told the teller, I normally keep a few thou in there but since they messed up, all that money was now gone from the account and I will make damn sure that there was never any money in that account again.
I don't think they really care. Yes No Replies. CINCINNATI, OHIO -- Woodforest does not care about you or your security, the only thing they do care about is your money and how they can keep it.
A few month after opening my account I noticed a fraudulent charge pending on my account for $35.00. I went to my local office to take care of it immediately; however, they told me there is nothing they can do about it. They refused to do anything about the fraudulent charge until it posted to the account. As a result, the charge posted for $35.00, and sent my account into the negatives. On top of that, the two legitimate transactions I made did not post until after the fraudulent charge posted, even though they were made four to five days beforehand.
This resulted in $105 in overdraft fees due to a fraudulent charge that they allowed to post. On top of that, they charged me $12.00 to cancel the debit card so there would be no more fraudulent transactions. In just over a few months, I have noticed Woodforest often rearranges the way transactions post in an effort to overdraft your account. For example, if you have 20 transactions for $5.00 and one transaction for $500 that happened 5 days later, they will post the $500 dollar transaction first so that you have 20 overdrafts. On top of that, they often wait until you have no money in your account to charge you any monthly fees. I often have little money in my account after the first of the month due to paying all of my bills. Yet, I always leave enough to cover the service fees.
Yet, they will not withdraw them on the same day every month. Instead, they wait until your account balance is less than that of the service fee so that they can hit you with an overdraft fee on top of the service fee.
They will also hold your deposits for a long time. I have seen cash deposits left in the night drop take days to post, and if my girlfriend or father deposit money into my account it will take over a week to post to my available balance. It makes it difficult when my girlfriend is putting her half of the rent in my account or my dad is loaning me money from two states away by putting CASH into my account, yet I cannot use it for a week or more. I highly recommend avoiding this bank. Despite their convenient hours, they will find some way to screw you over and make you out to blame. Since this bank is only located in Wal-Mart, then I suggest just using Wal-Mart to cash your check and get one of their re-loadable Visa cards.
You will save yourself lots of headaches, frustration, and money in the end. Yes No Replies.


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Authorities released on Thursday the name of the woman who died in a two-car crash in southern Weld County on Wednesday night.
Leone Gee, 78, of Fort Lupton died after her 2009 Toyota sedan collided with a 1998 Chevrolet pickup truck at the intersection of Weld County Road 22 and U.S. 85. The crash happened about 8:15 p.m.
The Chevrolet was headed northbound on U.S. 85 and Gee was headed westbound on Weld 22, about two miles north of Fort Lupton. Gee was pronounced dead on the scene at 8:31 p.m., according to Weld County Coroner Mark Ward.
She is the 27th person to die on Weld roads so far this year. Through Aug. 21 of last year, 25 people had died.


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秘魯的環境保護義工工作:亞馬遜雨林環境保護項目: 每月更新
Monthly Update - December 2009
Looking back over the last twelve months it is amazing to see how much we achieved this year. With a record breaking 180 volunteers visiting us in 2009 we have pushed so many different projects forward with truly remarkable results and all the success is a reflection of the dedication of the entire team at the centre. The combination of our staff's knowledge and expertise coupled with an excellent work ethic from everyone who stayed at the lodge has made this year one to remember. However, before looking back over the highlights of the year there is still plenty to report for this month alone and so I shall start there...
The pilot farm at Taricaya has been hugely satisfying in producing new initiatives designed to improve farming techniques and the standard of living for the local communities and as 2010 approaches we aim to shift our study bias and start looking at larger scale projects. Over the years we have discovered and designed some excellent projects aimed at small scale farmers and as these ideas have been accepted and employed by our neighbours it is time to follow the natural evolution of the project and start with some new projects designed on a larger scale. One of the major causes of deforestation in tropical rainforests, if not the biggest, is large scale clearing for cattle farming as millions of hectares of forest are lost annually. After this land is used it is often just abandoned as it is easier to clear more plots than try and maintain the grass cover on over grazed areas. This leaves huge areas of heavily leached and thus infertile land that will never recover naturally and so we wish to set up a study plot to investigate the best methods for recuperating these areas. To initiate this study we need an open grass area and the natural choice is our goat enclosure. After many years with us we have demonstrated successfully that the rearing of these versatile animals is a viable alternative for both milk and meat that can help improve the diet of local farmers and their families but does not require huge areas of land (fifty goats can be maintained in the same area as a cow!).
It was time to move on and start a new project. So, after a few minutes of hectic chasing we herded the animals up and loaded them into the boat to take them across the river to one of our neighbours with whom we have been working for years. He was happy to receive the goats and they were installed quickly with his sheep leaving us an area of just under a hectare to separate into plots ready for our research next year.
Back at the rescue centre the animals are all in good health and a source of fun for everyone at the lodge were the first excursions of our Southern river otter (Lutra longicaudis) from its enclosure to the creek. The scarcity of these mammals in the wild means that we want to be able to monitor our young male upon release and part of the process is getting him used to the area around the centre. The playful nature of the otter coupled with relative short-sightedness on land means that he follows people around when let out of his cage and so it was easy to lead him to the creek for his first outings. Once in the water the transformation is complete from a clumsy, almost comical, lope to a truly graceful hunter and volunteers have enjoyed swimming with him as he appears and disappears at will, obviously enjoying startling people with gentle nips and nibbles. The future looks very bright for the otter and we shall continue his rehabilitation into the New Year.
Before looking back over the last year I would like to add some additional thanks to those volunteers and staff that stayed in the lodge to look after the animals over Christmas and the New Year. Yet a further demonstration of the high levels of commitment that has become the norm at Taricaya....
Reflecting on 2009 gives me a huge sense of satisfaction as every project has evolved and developed and perhaps I should start by mentioning our ongoing research into biodiversity. From plants to frogs; mammals to butterflies; birds to bats; we have continued to make some amazing discoveries around the reserve and our species lists are a source of immense pride. They reflect innumerable hours checking traps and mist nets, visiting platforms, patrolling the trails and poring over field guides. To date we have registered 48 species of amphibian, 61 species of reptile, 86 species of mammals (including 34 species of bat), 167 species of butterflies, 286 species of plant and 428 species of bird. These figures are remarkable for an area of 476 hectares and the biodiversity of the reserve has already marked Taricaya as a hotspot for wildlife and our findings will undoubtedly figure in future field guides to the flora and fauna of Peru. I am in no doubt that these numbers will continue to increase next year as our research will now become even more specific as we target new monitoring techniques and areas of the reserve least studied thus far.
It seems that every December I comment on fresh successes in the turtle project and this year is no exception as we released 1600 baby turtles (Podocnemis unifilis) back into the wild. This is a truly astonishing figure and I am sure that next December I will be praising an even higher number as our first turtles released in 2005 will start to reproduce next year also. The knock-on effects of the project have also led to several local schools building artificial beaches and releasing their own youngsters back into the wild. In fact, the Ministry of Education for the whole province of Madre de Dios has declared our anniversary (5th November) as the "Day of the Taricaya", Taricaya being the local name for these endangered turtles. Such improved education on conservation and getting youngsters involved has been thoroughly rewarding and I hope that 2010 will see us build on this excellent foundation and push environmental issues to the forefront in schools and communities both in Puerto Maldonado and the surrounding areas.
2009 saw huge progress with the animal rescue centre with our first official releases since receiving our legal status in January. Both the coatis (Nasua nasua) and Spix's guan (Penelope jacquacu) have been seen around the reserve and their good health in the wild reflects a good release protocol and the future for many of our residents looks bright as we commence the lengthy rehabilitation of our spider monkeys (Ateles chamek) in 2010 as just one of the many releases planned over the coming months. A new experience for us next year will be captive breeding programs for our tapirs and jaguarundis as we attempt to repopulate the area with offspring raised successfully in the centre.
Our international status has continued to improve this year also with a new documentary aired in France based on our ongoing work in the field of conservation, the first international bird banding course in Peru being hosted at the centre and the ever growing number of volunteers from an ever broader range of countries.
The future looks very bright for Taricaya and as we are now in our ninth year and, as we approach out 1000th volunteer for the project in 2010, the achievements are a result of hard work and dedication on every level and it just leaves me to thank everyone involved with Taricaya for their efforts...roll on 2010!!!
Stuart Timson
Conservation Director
Projects Abroad
6th January, 2010


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Table of contents
- Main findings
- Summary
- Number of divorces
- Divorce rates
- Age at divorce
- Duration of marriage
- Marital status before marriage
- Fact proven at divorce
- Children of divorced couples
- Proportion of marriages ending in divorce
- Divorces in the UK
- Civil partnership dissolutions
- Availability of mid-2011 population estimates by marital status and the calculation of divorce rates for 2011
- Population estimate revisions and their impact on divorce statistics for 2002-2010
- Users of divorce statistics
- Further information
- References
- Background notes
- Methodology
1. Main findings
The number of divorces in England and Wales in 2011 was 117,558, a decrease of 1.7% since 2010, when there were 119,589 divorces
In 2011, 10.8 people divorced per thousand married population compared with 12.9 in 2001
The number of divorces in 2011 was highest among men and women aged 40 to 44
Based on marriage, divorce and mortality statistics for 2010, it is estimated that the percentage of marriages ending in divorce is 42%, compared with 45% in 2005
2. Summary
This bulletin presents annual statistics on divorces that took place in England and Wales in 2011, following court orders. The statistics do not include divorces to couples usually resident in England and Wales which took place abroad.
A marriage may be either dissolved, following a petition for divorce and the granting of a decree absolute, or annulled, following a petition for nullity and the awarding of a decree of nullity. In this release, the term divorce includes both decrees absolute and decrees of nullity.
Divorce statistics are analysed by sex, age and marital status before marriage, duration of marriage, age at divorce, the number and age of children involved, and the grounds for divorce.
This is the first time that ONS has released 2011 divorce statistics for England and Wales.Back to table of contents
3. Number of divorces
In 2011 the number of divorces in England and Wales decreased by 1.7% to 117,558 compared with 119,589 in 2010. This continues the general decline in divorces since 2003 when there were 153,065. The fall in divorces is consistent with a decline in the number of marriages to 2009. The decrease in marriages to 2009 may be due to the increasing number of couples choosing to cohabit rather than enter into marriage (Beaujouan and Bhrolcháin, 2011) (283.5 Kb Pdf).
Figure 1: Number of marriages and divorces, 1931–2011
England and Wales
Source: Office for National Statistics
- Marriage figures for 2010 are provisional.
Download this chartImage .csv .xls
Figure 1 shows the changing trend in the number of divorces since 1931, as well as changes in the number of marriages. The number of divorces generally increased between 1931 and 1990 as a result of changes in behaviour and attitudes.
The large increase in the late 1940s (following the end of the Second World War) is considered to be attributable to women's increased participation in the labour force which meant couples were no longer as financially dependent on each other. The large increase observed during the 1970s was associated with the Divorce Reform Act 1969, which came into effect in England and Wales on 1 January 1971, making it easier for couples to divorce upon separation.Back to table of contents
4. Divorce rates
In 2011, 10.8 people divorced per thousand married population, compared with 12.9 in 2001. Similar decreases in the male and female divorce rates have also taken place since 2001 (Figure 2). The male divorce rate decreased to 10.8 divorces per thousand married males, down from 13.0 in 2001. The female divorce rate reached 10.8 divorces per thousand married females, down from 12.9 in 2001.
Figure 2: Divorce rates by sex, 1971–2011
England and Wales
Source: Office for National Statistics
- Divorce rates for 2002-2010 are calculated using marital status population estimates based on the 2001 Census. Revisions to these estimates to take account of the 2011 Census are not currently planned. Divorce rates for 2011 are based on estimated 2011 marital status population estimates which use the mid-2011 population estimates based on the 2011 Census and the marital status distribution from the 2008-based marital status population projections for 2011. Consequently comparisons between rates for 2002-2010 and 2011 should be treated with caution due to the different census bases used. For more information see section titled 'Availability of Mid-2011 Population Estimates by Marital Status and the Calculation of Divorce Rates for 2011'.
Download this image.png .xls
Changes in the size of the adult population who are married, and therefore at risk of divorce, will affect both the number of divorces and the divorce rate. The decrease in divorce rates in 2011 was driven by both a decrease in the number of divorces and an increase in the size of the married adult population. Changes in the size of the married population are determined by patterns of marriage, divorce, mortality and migration. Whilst the actual number of males and females getting married or divorced in a particular year is equal, the number of unmarried males and females in the population will differ, hence the different rates (see background note 3).
Marital status estimates based on the 2001 Census suggest that both the male and female divorce rate decreased between 2004 and 2011 with the exception of 2010 where rates increased. The increase in 2010 could have been associated with the economic climate following the 2008-09 recession. Two competing theories exist relating to the effect of an economic downturn on the number of partnerships dissolving.
One theory suggests that recession could contribute to a rise in partnership break-ups because of increased financial strain, changes in employment and related lifestyle changes. Social research in Britain has shown that unemployment and downturns in the housing market may be associated with family instability (Vaitilingam, 2011). In addition some individuals may believe they will get a more favourable divorce settlement if their income is currently low.
In contrast, an alternative theory suggests that partnerships would be less likely to dissolve in an unfavourable economic climate because of an increase in family solidarity during difficult times and the need to postpone marital break-ups until the economy, and the value of their home improves (Bradford Wilcox, 2011). Any impact of the recession on divorce is likely to vary across different sectors of society.
It is too early to say whether the decrease in divorces in 2011 will continue in 2012 or whether recent trends in divorce rates represent small fluctuations resulting from rates nearing some form of stabilisation. Recent trends could be consistent with the theory that recession is associated with an increased risk of divorce, but with a delayed impact (Bradford Wilcox, 2011), perhaps reflecting a couple's wait for an economic recovery to lift the value of their assets or the time lag between separation and obtaining a decree absolute. A similar trend can be seen during the previous recession in 1990-92, where divorce rates increased more markedly in 1993 than during the recession itself.Back to table of contents
5. Age at divorce
Figure 3 shows the age at divorce for men and women in 2011. At younger ages there were more women than men divorcing; however, at older ages more men than women divorced. This pattern reflects the differences seen in age at marriage of men and women (the provisional mean age for men marrying in 2010 was 36.2 years compared with 33.6 for women). In 2011, the number of divorces was highest among men and women aged 40 to 44.
Figure 3: Number of divorces by age at divorce, 2011
England and Wales
Source: Office for National Statistics
Download this chartImage .csv .xls
Compared with 2001, divorce rates in England and Wales are higher in 2011 for men and women aged 45 and above while divorce rates for men and women aged below 45 are lower for all age groups, with the exception of women aged 40 to 44 and for men aged under 20. (See tables 3a and 3b – Number of divorces, age at divorce and marital status before marriage (301.5 Kb Excel sheet)).
Women in their late twenties had the highest divorce rates of all female age groups, with 23.9 females divorcing per thousand married women aged 25 to 29 in 2011. This continues the general pattern seen over the last two decades.
Similarly, men in their late twenties had the highest divorce rate in 2011 with 21.9 males divorcing per thousand married men aged 25 to 29. This continues the recent trend where men aged 25 to 29 had the highest divorce rate between 2006 and 2008; rates for men aged 25 to 29 and 30 to 34 were equal highest in 2009, and in 2010 rates for men aged 30 to 34 were highest. Over the last two decades, the divorce rate for men has been highest for those aged either 25 to 29 or 30 to 34.
The average (mean) age at divorce increased slightly for both men and women in 2011 (Figure 4 and tables 2a and 2b – Number of divorces, age at divorce and marital status before marriage (301.5 Kb Excel sheet)). The mean age for men divorcing was 44.5 years in 2011, an increase from 44.2 years in 2010. For women this increased from 41.7 years in 2010 to 42.1 years in 2011.
Following an initial rise between 1971 and 1972 the mean age at divorce generally declined for both males and females during the mid to late 1970s and generally remained stable in the early 1980s. Since 1985 the mean ages at divorce for men and women have increased, rising by 7.1 years for men and 7.2 years for women. The difference between the mean age of husband and wife at divorce has remained relatively unchanged over the last four decades, with a difference of around 2.5 years except for the years 1974 to 1976 when it was 2.0 years.
In 2011, 8.0% of males divorcing and 5.0% of females divorcing were aged 60 and over. This compares with 4.6% of males and 2.6% of females in 2001.
Figure 4: Average (mean) age at divorce of husband and wife, 1971–2011
England and Wales
Source: Office for National Statistics
Download this chartImage .csv .xls
6. Duration of marriage
The median duration of marriage (the median is the mid point of the distribution – see background note 6) for divorces granted in 2011 was 11.5 years, a small increase from 2010 (11.4 years), and also an increase from 10.9 years in 2001 (see table 4: Age at marriage, duration of marriage and cohort analyses (488 Kb Excel sheet)).
The Matrimonial and Family Proceedings Act 1984 came into effect in England and Wales on 12 October 1984. The Act replaced the discretionary time bar (minimum time interval between the date of marriage and being able to file a petition for divorce) of three years by an absolute time bar of one year. No petition can now be filed within the first year of marriage.
The median duration of marriage for divorces granted in 1984 was 10.1 years. Following the change in legislation the median duration of marriage fell to 8.9 years for divorces granted in 1985. Since this change, the median duration between marriage and divorce increased steadily up to 2005 but has remained relatively stable since.Back to table of contents
7. Marital status before marriage
In 2011, 20% of men and 19% of women divorcing had their previous marriage end in divorce. These proportions have almost doubled since 1980 when the comparable figures were 10% (see table 7: Number of divorces, age at divorce and marital status before marriage (301.5 Kb Excel sheet)).
In 2011, 70% of divorces were to couples where both parties were in their first marriage, while the remaining 30% were to couples where at least one of the parties had been divorced or widowed previously.
The percentage of couples divorcing where the marriage was the first for both parties has generally declined from the early 1970s to 2011. Over the same period however, the percentage of divorces where one or both parties were previously divorced has gradually increased.Back to table of contents
8. Fact proven at divorce
In 2011, of all decrees granted to one partner (rather than jointly to both), 66% were granted to the wife (see table 1: Number of divorces, age at divorce and marital status before divorce (301.5 Kb Excel sheet)). In over half (54%) of the cases where the divorce was granted to the wife, the husband's behaviour was the fact proven (see background note 7). Of the divorces granted to the husband, the most common facts proven were the wife's behaviour (36% of cases) and two years' separation with consent (32% of cases). Very few decrees (0.1%) were granted jointly to husband and wife.Back to table of contents
9. Children of divorced couples
Almost half (49%) of couples divorcing in 2011 had at least one child aged under 16 living in the family (see table 1: Children of divorced couples (108 Kb Excel sheet)). There were 100,760 children aged under 16 who were in families where the parents divorced in 2011, a decrease of 31% from 2001 when there were 146,914 children.
Over a fifth (21%) of the children in 2011 were under five and 64% were under 11. In 2011 there was an average of 1.76 children aged under 16 per divorcing couples with one or more children aged under 16. This compares with 1.85 in 2001. These changes may reflect the increasing proportion of children born to cohabiting, rather than married, couples (see reference table 2 in birth statistics package Characteristics of Mother 1).Back to table of contents
10. Proportion of marriages ending in divorce
It is estimated that the percentage of marriages ending in divorce (assuming 2010 divorce and mortality rates throughout the duration of marriage) is 42%. Around half of these divorces occur in the first ten years of marriage (see table 2a – Age at marriage, duration of marriage and cohort analyses (488 Kb Excel sheet)).
These figures have been derived by calculating the married population by duration of marriage for 2010. Mortality and divorce rates for 2010 are then applied to this population. See background note 10 for assumptions behind these calculations. More information on how these figures have been calculated is available in the Divorces Metadata (187.4 Kb Pdf).
Figure 5 illustrates the percentages of marriages ending in divorce or death, by each anniversary assuming that divorce and mortality rates remain unchanged from those in 2010 throughout the duration of the marriage. For example:
34% of marriages are expected to end in divorce by the 20th wedding anniversary,
6% of marriages are expected to end in the death of one partner by the 20th wedding anniversary,
Therefore 60% of marriages are expected to survive to the 20th anniversary.
The average marriage is expected to last for 32 years.
Figure 5: Cumulative percentage of marriages ending in divorce or death by anniversary, 2010
England and Wales
Source: Office for National Statistics
Download this chartImage .csv .xls
Figure 5 shows that the cumulative percentage of marriages ending in divorce increases more rapidly in the first 10 years of marriage than the 10 years after that. Once the 20th wedding anniversary is reached, the cumulative percentage increases less rapidly. Conversely, the cumulative percentage of marriages which end in the death of one partner increases less rapidly in the first 40 years of marriage than the 10 years after that. This is because mortality is greater at older ages, and so has more impact at longer durations of marriage.
Compared with figures from 2005 (Wilson and Smallwood, 2008) (244.2 Kb Pdf), the proportion of marriages ending in divorce has decreased from 45% in 2005 to 42% in 2010. This may be related to the following two factors:
The age at first marriage has been increasing, and previous research has shown that those marrying at older ages have a lower risk of divorce (Wilson and Smallwood, 2008) (244.2 Kb Pdf).
Cohabitation has increased in recent years. Cohabitation is often a precursor to marriage and may act to filter out weaker relationships from progressing to marriage (Beaujouan and Bhrolcháin, 2011) (283.5 Kb Pdf).
Figure 6: Probability of divorce in interval to next anniversary, 2010
England and Wales
Source: Office for National Statistics
Download this image.png .xls
Figure 6 shows that the probability of divorce by the next wedding anniversary rises rapidly in the first five years of marriage, so that between the fourth and eighth wedding anniversaries the probability of divorcing by the next anniversary is over 3%. After the eighth wedding anniversary, the probability of divorcing decreases from this peak, and by the 26th anniversary, the chance of divorcing by the next anniversary is less than 1%.Back to table of contents
11. Divorces in the UK
The number of divorces in the UK decreased by 1.9% in 2011 to 129,763 compared with 132,338 in 2010.
The number of divorces in Scotland fell by 2.8%, from 10,149 in 2010 to 9,862 in 2011. The number of divorces in Northern Ireland also decreased. In 2011, there were 2,343 divorces, 9.9% fewer than in 2010 when there were 2,600.
Annual divorce figures for the UK and constituent countries can be found in the Population and Health Reference tables (see 'Annual Time Series' table).Back to table of contents
12. Civil partnership dissolutions
Despite the decrease in divorces, the number of civil partnership dissolutions increased in 2011. However this is part of an upward trend given that this type of partnership is relatively new and therefore the numbers of people in civil partnerships is increasing.
Comparisons between civil partnership dissolutions and divorce statistics can be found in the article: Civil Partnerships five years on (190.1 Kb Pdf), which was published in Population Trends (Autumn 2011).
Further statistics on civil partnership dissolutions can be found on the ONS website.Back to table of contents
13. Availability of mid-2011 population estimates by marital status and the calculation of divorce rates for 2011
Mid-2011 population estimates by marital status are not currently scheduled for publication. These estimates would normally be used to calculate 2011 divorce rates.
Consequently, 2011 divorce rates are based on estimated 2011 marital status population estimates which use the mid-2011 population estimates based on the 2011 Census and the marital status distribution from the 2008-based marital status population projections for 2011. Analyses have shown that these estimates provide:
a plausible marital status distribution for 2011
a more plausible 2011 marital status distribution than the 2010 marital status estimates
ONS will consider the future need for population estimates by marital status in their present form once results from the 2011 Census by marital status, age and sex are available. These results will be used to benchmark current methods and evaluate alternative sources of data on partnership status.Back to table of contents
14. Population estimate revisions and their impact on divorce statistics for 2002-2010
Population estimates for mid-2002 to mid-2010 are being revised to take account of the results of the 2011 Census to ensure a consistent time series over the decade. Revised population estimates for:
England and Wales, mid-2002 to mid-2010 were published on 13 December 2012
Subnational areas in England and Wales, mid-2002 to mid-2010 are due to be published in March-April 2013
Revisions to population estimates by marital status for mid-2002 to mid-2010 are not currently planned. The marital status estimates used to calculate divorce rates for 2002-2008 are therefore not consistent with the latest mid-year population estimates. Consequently, any comparisons between rates for 2002-2010 and 2011 should be treated with caution due to the different census bases used. To enable comparisons over time, divorce rates in 2011 have been compared to those in 2001.Back to table of contents
15. Users of divorce statistics
ONS uses divorce statistics to:
report on social and demographic trends
perform further analyses, for example comparing trends in divorce with civil partnership dissolutions
produce population estimates by marital status for England and Wales (currently under review and may be discontinued)
produce population projections by marital status for England and Wales (currently under review and may be discontinued)
The Ministry of Justice (MoJ) is one of the key users of divorce statistics and has responsibility for policy and legislation on divorces. Demographic information collected by MoJ is analysed and published by ONS and MoJ relies on these analyses to inform policy decisions.
Other government departments, for example the Department for Work and Pensions (DWP) and the Department for Education (DfE), also use divorce statistics. The demography unit at DWP uses the detailed divorce statistics to feed into statistical models for pensions and benefits. DfE have an interest in divorce statistics since family breakdown can impact on a child's well-being.
Organisations such as Eurostat and those in the voluntary sector use ONS divorce statistics for comparison purposes and also to support campaigns. These organisations often pass on ONS's divorce statistics to their own users.
Lawyers, solicitors and those involved in family law, as well as academics and researchers in demography and social sciences, are often interested in divorce figures.
Queries on divorces by area are frequent, although ONS does not produce divorces by area of residence. This is because divorce data provided to ONS by the courts does not contain information on the area of residence of the parties. Information on the location of the court is available, but this is not a good indicator of where the parties lived either before or after separation, as the two parties may choose the court they wish to use and courts are not evenly spread around England and Wales.Back to table of contents
16 .Further information
More data on divorces in England and Wales are available on the Office for National Statistics (ONS) website.
ONS divorces metadata (187.4 Kb Pdf) provides further information on data quality, legislation and procedures relating to divorces.
The ONS divorces QMI (123.1 Kb Pdf) provides overview notes which pull together key qualitative information on the various dimensions of quality as well as providing a summary of methods used to compile the output.
Annual divorce figures for the UK and constituent countries can be found in the Population and Health Reference tables.
National Records of Scotland provide divorce statistics for Scotland.
Northern Ireland Statistics and Research Agency provide divorce statistics for Northern Ireland.
Annual and quarterly divorce statistics are also available from the Ministry of Justice.
Further statistics on marriages, civil partnership and civil partnership dissolutions are available on the ONS website, as are data on families and households which presents recent estimates of the number of families by type, people in families by type, and children in families by type.
Population estimates by marital status provide the estimated resident population by single year of age, sex and marital status (single, married, divorced, and widowed) for England and Wales.Back to table of contents
17 .References
Beaujouan, E and Bhrolcháin, M (2011) Cohabitation and marriage in Britain since the 1970s (283.5 Kb Pdf), Population Trends 145.
Bradford Wilcox, W (2011) The State of Our Unions, Marriage in America 2009, Money and Marriage, University of Virginia, The National Marriage Project.
Wilson, B and Smallwood, S (2008) The proportion of marriages ending in divorce (244.2 Kb Pdf), Population Trends 131.
Vaitilingham, R. (2011) Recession Britain, Economic and Social Research Council (ESRC) [Accessed 11 December 2012].Back to table of contents
18 .Background notes
ONS divorce statistics are collated from D105 forms used to record decree absolutes. These paper forms are supplied to ONS for processing by the courts. The Ministry of Justice (MoJ) also publishes a summary of divorce figures as part of their Judicial and Court Statistics. MoJ receives divorce data electronically from HM Court Service (HMCS) through the FamilyMan system.
The number of divorces as indicated by ONS and MoJ statistics, while similar, do not match exactly, and ONS and MoJ have published a joint statement on differences between these figures. For example, in 2011 the total ONS divorce figure was 117,558 compared with the MoJ figure of 119,610 a difference of 2,052 (1.7% ). The two sets of figures do not count precisely the same cases. For example:
- ONS divorce figures include annulments while MoJ figures do not. The number of annulments in 2011 published by MoJ was 206.
- Since 2007 divorce figures published by MoJ have included dissolutions of civil partnerships. These are not included in ONS figures. The number of civil partnership dissolutions in 2011 published by ONS was 624. Further information civil partnerships and civil partnership dissolutions can be found on the ONS website.
There are some other differences arising from the way the data are collected and processed. These include:
- differences in the number of late divorce records excluded from ONS and MoJ annual datasets
- differences in the process to remove duplicate records
- and differences between the number of records entered onto the FamilyMan system and the number of paper records received by ONS from courts
ONS and MoJ have worked closely together over the past couple of years to reconcile the two sets of statistics as far as possible. Both departments have agreed that attempting to achieve yet closer reconciliation is not an immediate priority at the current time. This situation will be regularly reviewed in the future.
The male divorce rate is calculated by dividing the number of males divorcing in a particular year by the estimated number of married males aged 16 and over in that same year (taken from mid-year population estimates by marital status). Likewise, the female divorce rate is calculated by dividing the number of females divorcing in a particular year by the estimated number of married females aged 16 and over in that same year.
The statistics do not take into account married couples who separate, but do not divorce.
The average (mean) ages presented in this release have not been standardised for age and therefore do not take account of the changing age structure of the population.
The median duration of marriage at divorce in this release is represented by the middle value when the data are arranged in increasing order. The median is used, rather than the mean, because the duration of marriage for divorces is not symmetrically distributed, therefore the median provides a more accurate reflection of this distribution. The mean would be affected by the relatively small number of divorces which take place when duration of marriage exceeds 15 years.
Fact proven at divorce; A petitioner must prove one or more of five facts (adultery, unreasonable behaviour, desertion, and separation, either with or without consent of the respondent), in order to establish the irretrievable breakdown of the marriage.
The Divorce Reform Act 1969 came into effect in England and Wales on 1 January 1971. The Act, subsequently consolidated in the Matrimonial Causes Act 1973, made it possible for the first time for divorce to be petitioned for on the couple's separation.
The Matrimonial and Family Proceedings Act 1984 came into effect in England and Wales on 12 October 1984. The Act made two changes. The first replaced the discretionary time bar (minimum time interval between the date of marriage and being able to file a petition for divorce) of three years by an absolute time bar of one year. No petition can now be filed within the first year of marriage. The second change meant the Act no longer required courts to try to place the divorced spouses in the financial position they would have enjoyed had the marriage not broken down.
Statistics on the proportion of marriages ending in divorce are based on several assumptions including:
- divorce rates and mortality rates remain unchanged from 2010
- the married population by age and sex is accurately assigned to duration of marriage (a description of how this was done is provided in the divorces metadata (187.4 Kb Pdf))
- people marry, divorce and die in the country where they usually live
All these factors will affect the true percentages. For example, couples who live in England and Wales but who have married abroad in the last decade are not included in the marriage figures but may be included in the divorce figures, which could lead to over-estimation of the proportion of marriages ending in divorce.
These figures have been produced using marriage statistics, divorce and mortality rates for 2010. While divorce and mortality rates are currently available for 2011, 2011 statistics for marriages will not be available until Spring 2013.
Special extracts and tabulations of divorce data for England and Wales are available to order (subject to legal frameworks, disclosure control, resources and agreement of costs, where appropriate). Enquiries should be made to:
Vital Statistics Output Branch
Life Events and Population Sources Division
Office for National Statistics
Segensworth Road
Hampshire PO15 5RR
Tel: +44 (0)1329 444110
Email: email@example.com
The ONS charging policy is available on the ONS website.
We welcome feedback from users on the content, format and relevance of this release. The Health and Life Events (HLED) User Engagement Strategy is available to download from the ONS website. Please send feedback to the postal or e-mail address above.
Details of the policy governing the release of new data are available by visiting www.statisticsauthority.gov.uk/assessment/code-of-practice/index.html or from the Media Relations Office email: email@example.com
The United Kingdom Statistics Authority has designated these statistics as National Statistics, in accordance with the Statistics and Registration Service Act 2007 and signifying compliance with the Code of Practice for Official Statistics.
Designation can be broadly interpreted to mean that the statistics:
- meet identified user needs
- are well explained and readily accessible
- are produced according to sound methods
- are managed impartially and objectively in the public interest
Once statistics have been designated as National Statistics it is a statutory requirement that the Code of Practice shall continue to be observed.
19 . Methodology
Contact details for this Statistical bulletin
Telephone: +44 (0)1329 444110


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The road that encompasses the second biggest lake in Chile stretches for 185 km. The area of the lake is close to 90,000 hectares. The lake was first discovered by western explorers by Pedro de Valdivia in 1552, and remained relatively untouched by colonialists and civilization until the end of the 19th c. However, these days, the area has a distinct European flavor to accompany magnificent views of the Osorno Volcano.
The city of Puerto Varas is located only 20 minutes north of Puerto Montt, where Llanquihue Lake emerges from beneath the Osorno Volcano. It is known as the city of roses due to the streets being filled with these flowers. One of the distinguishing characteristics of the town is its historical buildings, 10 of which have been designated national monuments. The town has also been recognized for its cultural richness, and includes a casino and shopping area. It is highly recommended that visitors take the time to visit Niklitschek beach, located 7 kilometers away and surrounded by nature.
The Petrohué Falls are formed by water rushing from the Todos Los Santos Lake over rocky formations in the Vicente Pérez Rosales National Park. The falls, which are protected and maintained by the government, can be visited after hiking along a short path. They are located 76 km east of Puerto Varas.
The Mapuche name for the Osorno Volcano, Hueñauca, means dangerous heights. The prominent volcano is 2,652 meters high and has a perfect cone top. The weather in the area can vary significantly within the course of an hour, shifting from blue skies to rain and back again. It is a moderately difficult mountain to climb, requiring 6 to 7 hours to make the full ascent. Hiking the mountain is only recommended during the summer. In the winter, the volcano opens for skiing along 12 different trails. The base of the volcano is located less than 70 km from Puerto Varas.
The city of Puerto Octay is located on the northern shore of the Llanquihue River. The quiet town has a history dating back to 1852. 19th c. German colonial houses line its streets. Points of interest include the El Colono Museum, which focuses on presenting visitors with a comprehensive display of how immigrants first developed the community. Other attractions include the Cultural House and Galpon Museum. Several beaches with views of the volcano and the mountains are located near the town, notably Centennial Peninsula. The town is also known for its traditional dishes and stews.
The city of Frutillar is easily one of the most beautiful in southern Chile. It is located 26 km from Puerto Varas, and has beautiful old German houses that both complement the lake and highlight effective local preservation. Every summer, it hosts the Music Week Festival, an event that showcases classic music at the Lake Theatre. Other popular sites include the German Museum, the Phillipi promenade, and the Winkler National Forest. The city is also an ideal place to sample a traditional German supper.
Llanquihue is a city that showcases such attractions as the Sausage Road, outstanding local beer, and historical houses. Like other cities in the area, it was incorporated in 1852 by German settlers.


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My wife and I are taking a trip to Japan in several months and that got me thinking, what should someone look for in a bike case when travelling? I won't be taking one on this trip (not in the shape I want to be in quite yet), but it could be beneficial information for others and myself in the future. The range of prices that bike cases span is pretty broad so knowing what to look for could potentially save you money and a broken bike.
Doing a little bit of research myself, I noticed that some airlines will also supply you with boxes for travel. Are these safe or is it worth getting your own?
Bicycling in a foreign country (or a different city for that matter) seems like an amazing way to see parts of it that you normally wouldn't get a chance to see.