text:
Is it Laurence or Lawrence? How ever his first name was spelt, I have blogged about L.S.Lowry before - here and here. A week ago, before I reached my aunt's funeral in north Manchester, I tarried for a while in Mottram in Longdendale. It was in this overgrown village on the edge of the Pennines that Lowry lived out the last twenty eight years of his long life, still painting and still being an awkward so and so - loving humanity and yet hating it at the same time. He could never really fit in.
Two boys and an old woman murdered by Israel.
Ninety per cent of Israelis are in favour of what their government has recently instructed its military machine to do. Ninety per cent are in favour of bombing schools, hospitals and most recently Gaza's only electricity power plant. Ninety per cent are in favour of killing innocent women and children. Ninety per cent are in favour of the unconscionable blaming of Hamas for Israeli attacks - turning the truth on its head. Ninety per cent are in favour of trundling out the same lame excuses about Hamas rocket launching sites in order to justify the outrageous mass murder of frightened Palestinians.
The Israelis have killed far more than a thousand now and injured many more people than that. In contrast, the small Israeli death toll mainly consists of forty five soldiers from their invasion force. What do they expect? You invade a desperate, overcrowded and beleaguered little country and you expect no angry response? Now their latest coverall lame excuse is to cite the alleged intricate network of tunnels that Israel claims is a major threat to its security.
And what is America doing? What is the useless United Nations doing? Nothing. Nothing at all. They are letting innocent Palestinians die, silently condoning the brutality. History has taught us to be sorrowful for Jews and what they endured in World War II but their military onslaught upon Gaza is ironically like a mini-holocaust for Palestinians. Dying in a gas chamber at Auschwitz or dying under a pile of concrete in Gaza - what's the difference?
Ninety per cent of onlookers from the rest of the world say to Israel - You are wrong! This is not the way! Ninety per cent shudder about the horror of it all. Ninety per cent say that the way to solve differences is through talking - no matter how difficult those negotiations might be. I have already sent £25 to Oxfam's Gaza Appeal. I should probably be sending more but we Yorkshiremen are as tight as they come and to get £25 out of me is like getting regrets for what is happening out of Benjamin Netanyahu.
It's like a military campaign map. The red blob and the satellite red bits reveal where I have taken photographs in this region of England for the geograph project. I have red squares in other parts of the country too - from Cornwall to Fife and from Liverpool to Kent. I took up this hobby in 2009 since when my blob has grown like a pool of red wine on a laminate floor. The hobby involves several things apart from snapping pictures. There's miles and miles of walking, study of maps and map reading, internet research of the places I have been and the things I have seen. Through geograph I have learnt more than I knew before of England's beauty, its history and its incredible diversity.
On Thursday, I travelled over The Pennines to what we Yorkshire folk often call "The Dark Side". Its real name is Lancashire. I was going to the funeral of a ninety two year old lady - my Auntie Irene. The funeral was held in the northern suburbs of Manchester in a place called Middleton. I had never been there before and I only ever met my Auntie Irene once - at my mother's funeral in 2007.
My mother only had one sibling - her brother Derek - who married Irene McGann shortly after World War II. Times must have been hard for them because when my own mum and dad returned from India - where they themselves had married in the last year of the war - Uncle Derek asked if he could borrow some money. By this time Irene had had a baby daughter - their first child. They needed to borrow £50 which was an enormous amount of money back then - equivalent to about two month's salary for an average worker.
Mum and Dad had very little spare cash and lending this money was a big sacrifice as they themselves began to settle back into civilian life. As I understand it, Uncle Derek was unable to repay the debt by the promised time. A big argument ensued which resulted in my Dad wanting to cut off all contact with Uncle Derek and Auntie Irene. This must have happened in 1946 - just before Mum gave birth to my oldest brother - our late and much missed Paul.
Anyway - the years passed - with Uncle Derek and Auntie Irene living life and raising a family in Middleton while Mum and Dad lived a parallel life in East Yorkshire. Irene bore five daughters and Mum bore four sons. On Thursday I learnt that Irene had in fact had a son too but he had died before he was a week old. Co-incidentally my mother also had a baby girl but she was stillborn.
So five daughters and four sons grew up. We were and are of course cousins but we didn't know each other. Having five girl cousins could and should have been something that enriched our lives. My peers in our East Yorkshire village all seemed to be in touch with their extended families and I remember feeling quite envious of this. Isn't that how life was meant to be? And isn't the true meaning of "family" something richer and more extensive than the modern core nuclear family which is too often developed in geographical isolation.
The funeral had three phases. First there was a well-attended memorial service in Middleton's surprisingly wonderful and ancient parish church. Irene had nine siblings and so the McGann side of her family was numerous. She was a much-loved matriarch and had many friends, living life to the full right up to the end.
Next the funeral moved to Boarshaw Cemetery for the interment - witnessed by a crowd of perhaps a hundred. And then we all went on to Middleton Cricket Club for food and drink and conversation - marking the passing of Auntie Irene. And it was there I managed to snap this picture of my five girl cousins - now mature women of course with children - and in three cases - grandchildren of their own. I wish I had known them with pigtails I could pull, hide and seek and picnics on beaches, ghost stories and giggles, sandcastles and caravan holidays - growing up together - part of the same big family. But sadly it never happened.
Close to the former South Yorkshire coal mining village of Maltby, in a green valley that is blessed by a sparkling stream, you will find the remains of Roche Abbey. It was founded in 1147 by the Cistercian monastic order and destroyed by Henry VIII's forces some four hundred years later during The Dissolution. And after that many local people viewed the site as a free salvage yard. They would turn up with horse and carts or wooden hand carts and take away dressed stones or pieces of lead and glass. And that pillaging went on well into the nineteenth century.
If you think that Cistercian monks were all about self-denial and the worship of God, you'd be wrong. The Cistercian movement was about political and economic control as much as religious worship. Like other abbeys in Yorkshire, Roche Abbey drew its wealth from the surrounding farmland and local people were subjugated - paying rents, delivering agricultural produce and undertaking work without payment in order to keep the latest abbot happy. No doubt they were warned that if they didn't do as they were told they wouldn't enter heaven.
Just to build a substantial religious campus like Roche Abbey would have been a mind-boggling task in the twelfth century. Suitable stone would need to be identified in the local area then quarried, dressed and brought in carts to the site. No electric drills, no trucks, no dynamite, no tubular scaffolding. It makes the construction of The Shard in London - or any other modern skyscraper - seem like child's play.
There were over fifty Cistercian monasteries in England and they were like the tentacles of a movement that had its central powerhouse in France. Cistercian leaders had great political sway with monarchs and popes for five hundred years. It would have been hard not to listen to an organisation that could boast such economic power and in everyday terms governed the lives of many thousands of people throughout western Europe.
Roche Abbey has a fence around it these days and is overseen by an organisation called "English Heritage". It used to be that you could wander freely around the site at any time but now you can only go inside the fence on Wednesdays, Sundays and Bank Holidays, paying £3.60 for the privilege. I took my photographs and kept on walking on another gorgeously hot and sunny summer's day. If only Roche Abbey's stones could speak. I would love to listen to their stories.
It's not a cricket match nor a meeting of two great baseball teams. We are not talking about rugby or athletics or snooker, we are talking death. The Grim Reaper. The end of life. Even as we speak, Israel is wreaking havoc in the Gaza Strip with its American tanks and state of the art weaponry while Palestinians fire pathetic "rockets" into Israel that are not much more deadly than grenades on sticks. If these rockets are such a threat, how come more Israelis haven't died? How come the damage to buildings is so superficial?
We are led to believe that the humane Israeli military machine messages Gaza civilians ahead of its missile strikes - warning them to evacuate their homes. Where are they meant to run to? How much time have they got? How do the Israeli generals know the messages have got through? Can Israeli bombings really be so pinpoint accurate that they always hit their targets and leave the people next door free to get on with their lives?
It is such an unequal conflict and personally I shudder when I hear the justifications and tissue thin apologies of Israeli spokesmen. Obviously, the issues surrounding Israel and the Palestinians are complex - like a tangled ball of wool. I would have no idea how it might be sorted out but killing women and children, bombing schools and hospitals, creating terror in the densely packed streets of Gaza is surely not the way. Talking, agreement and compromise are the only way forward. Ultimately, that's how it has always been.
Dumb Dubya Bush and Catholic Convert Blair promoted a war ON terror, but Philadepelphia-educated Benjamin Netanyahu is now conducting a war OF terror on a desperate people whose lives are not underwritten by America with its vast military arsenal and influential Jewish lobbyists. One things's for sure - the death and terror currently being meted out by Israel will not be the end of it all. It's no solution, no solution at all. If you kick a wounded dog it will bite back. If you put a lid on a bottle of soda water and shake it up it is liable to explode.
Surprisingly, Bob is not a woman's name - it is a man's name! It is not short for "bobbin" which is an item used in textile industries. No - Bob is short for Robert. Over here in England the most famous Bob is an animated children's TV character called Bob the Builder. Here he is! Hello Bob!
The name "Bob" is favoured by owners of small dogs throughout the English speaking world. It is estimated that there are approximately 2.7 million canine"Bobs" worldwide. And on that happy note I do believe that I have exhausted all of my "Bob" knowledge. I hope that this post has been instructive to any Bobs who happen to have been visiting this humble blog.
Thursday was hot. Weather forecasters on the television were warning we Britons to stay indoors and avoid vigorous exercise so naturally that inspired me to go on a ten mile walk in Derbyshire. My starting point was the tiny village of Aldwark which is west of Matlock. Once it was on the old stage coach route from Derby to Buxton but now it's a forgotten place and would be very peaceful if not for the sound of nearby limestone workings.
From Aldwark, I headed for Winster and then along Bonsall Lane, taking a cross country footpath south to another small and rather delightful village called Ible. I had planned to continue strolling southwards from there into Griffe Grange Valley but there was a bull in one of the fields through which the little used public footpath runs. He advanced in my direction as soon as he saw me approaching and wasn't coming over to exchange pleasantries or even to talk bull. His horns were lethal weapons and he was snorting pure testosterone so naturally I chose to take a detour. This involved me receiving a jolt from an electric fence and squelching through boggy ground. Thank you Bully!
Up to Griffe Grange, through the woods then along to The Limestone Way footpath where farmers were making hay while the sun shone and then west to Longcliffe with yet more limestone works. Then back in an arc to Aldwark - which means "old fortification".
survive? This one isn't even re-painted any more. Damn those mobile phones!
Out on the moors the other day, I followed a track which was defined by boundary stones. I believe they mark the western extremity of the metropolitan district of Sheffield though who would have sanctioned their placement I have no idea. I came across more than twenty of them in different states of repair - including the one below which was the only stone with letters carved upon it. Such lettering normally indicates ownership of moorland estates. Beyond this stone you can just make out Dale Dike Reservoir - source of The Great Sheffield Flood of 1864 and there's Boot's Folly to the right.
To the north, by a boggy area known as Running Moss, I noticed a gritstone outcrop so I made my way over there crossing several rivulets that cut through the peaty earth that blankets this landscape. The outcrop consists of several time-sculpted stones and as far as I can deduce it is unnamed. It is some distance from the nearest path or track and hard to reach - unless you happen to be a sheep.
I love places like this. To me these stones are better than manmade sculptures. They speak of the bedrock and of the centuries that have shaped them - wind and rain and frost - while empires rose and fell. These voiceless stones endure. Below, flimsy summery clouds try to imitate the solid rock shapes.
And then along Hoar Stones Road to this monument - built over a roadside spring in 1832 - in memory of a local child who drowned here. It is called the Edgefield Obelisk and it sits here in glorious isolation above Bradfield Dale.
One of the best albums I ever owned was "Blue" by Joni Mitchell. In fact I owned it three times over - as a vinyl disc, as a tape cassette and as a CD. And I saw Joni in concert when she was twenty five. She was more than the archetypal singer-songwriter for there was a unique and tender poignancy about her lyrics. She was a poet or maybe a poetess.
Only yesterday, thanks to a BBC Radio 4 programme, I discovered that this song was about a child that Joni gave up for adoption when she was nineteen and a destitute art student. She discovered she had become pregnant by her Calgary boyfriend. She said, "...he left me three months pregnant in an attic room with no money and winter coming on and only a fireplace for heat. The spindles of the banister were gap-toothed fuel for last winter's occupants.". That little girl - Kelly Dale Anderson - later to be renamed Kilauren Gibb - remained a secret throughout Joni's years of musical success but it seems that in the late nineties she finally re-established contact with this long lost daughter. And when they met in 1997, both women found their lives enriched as if discovering vital missing jigsaw pieces.
Joni Mitchell is seventy now. She has health issues - some are probably psychosomatic - and she is something of a recluse living in the Los Angeles hills in what has been described as a "Joni Mitchell museum". Always a gifted, original visual artist, she is surrounded by her art work into which she now applies most of her creative energy. Intellectually she lives on the edge, a highly strung chain smoker and combative too. It cannot be easy being Joni's daughter. It cannot be easy being the genius who is Joni Mitchell.

lowercased:
is it laurence or lawrence? how ever his first name was spelt, i have blogged about l.s.lowry before - here and here. a week ago, before i reached my aunt's funeral in north manchester, i tarried for a while in mottram in longdendale. it was in this overgrown village on the edge of the pennines that lowry lived out the last twenty eight years of his long life, still painting and still being an awkward so and so - loving humanity and yet hating it at the same time. he could never really fit in.
two boys and an old woman murdered by israel.
ninety per cent of israelis are in favour of what their government has recently instructed its military machine to do. ninety per cent are in favour of bombing schools, hospitals and most recently gaza's only electricity power plant. ninety per cent are in favour of killing innocent women and children. ninety per cent are in favour of the unconscionable blaming of hamas for israeli attacks - turning the truth on its head. ninety per cent are in favour of trundling out the same lame excuses about hamas rocket launching sites in order to justify the outrageous mass murder of frightened palestinians.
the israelis have killed far more than a thousand now and injured many more people than that. in contrast, the small israeli death toll mainly consists of forty five soldiers from their invasion force. what do they expect? you invade a desperate, overcrowded and beleaguered little country and you expect no angry response? now their latest coverall lame excuse is to cite the alleged intricate network of tunnels that israel claims is a major threat to its security.
and what is america doing? what is the useless united nations doing? nothing. nothing at all. they are letting innocent palestinians die, silently condoning the brutality. history has taught us to be sorrowful for jews and what they endured in world war ii but their military onslaught upon gaza is ironically like a mini-holocaust for palestinians. dying in a gas chamber at auschwitz or dying under a pile of concrete in gaza - what's the difference?
ninety per cent of onlookers from the rest of the world say to israel - you are wrong! this is not the way! ninety per cent shudder about the horror of it all. ninety per cent say that the way to solve differences is through talking - no matter how difficult those negotiations might be. i have already sent £25 to oxfam's gaza appeal. i should probably be sending more but we yorkshiremen are as tight as they come and to get £25 out of me is like getting regrets for what is happening out of benjamin netanyahu.
it's like a military campaign map. the red blob and the satellite red bits reveal where i have taken photographs in this region of england for the geograph project. i have red squares in other parts of the country too - from cornwall to fife and from liverpool to kent. i took up this hobby in 2009 since when my blob has grown like a pool of red wine on a laminate floor. the hobby involves several things apart from snapping pictures. there's miles and miles of walking, study of maps and map reading, internet research of the places i have been and the things i have seen. through geograph i have learnt more than i knew before of england's beauty, its history and its incredible diversity.
on thursday, i travelled over the pennines to what we yorkshire folk often call "the dark side". its real name is lancashire. i was going to the funeral of a ninety two year old lady - my auntie irene. the funeral was held in the northern suburbs of manchester in a place called middleton. i had never been there before and i only ever met my auntie irene once - at my mother's funeral in 2007.
my mother only had one sibling - her brother derek - who married irene mcgann shortly after world war ii. times must have been hard for them because when my own mum and dad returned from india - where they themselves had married in the last year of the war - uncle derek asked if he could borrow some money. by this time irene had had a baby daughter - their first child. they needed to borrow £50 which was an enormous amount of money back then - equivalent to about two month's salary for an average worker.
mum and dad had very little spare cash and lending this money was a big sacrifice as they themselves began to settle back into civilian life. as i understand it, uncle derek was unable to repay the debt by the promised time. a big argument ensued which resulted in my dad wanting to cut off all contact with uncle derek and auntie irene. this must have happened in 1946 - just before mum gave birth to my oldest brother - our late and much missed paul.
anyway - the years passed - with uncle derek and auntie irene living life and raising a family in middleton while mum and dad lived a parallel life in east yorkshire. irene bore five daughters and mum bore four sons. on thursday i learnt that irene had in fact had a son too but he had died before he was a week old. co-incidentally my mother also had a baby girl but she was stillborn.
so five daughters and four sons grew up. we were and are of course cousins but we didn't know each other. having five girl cousins could and should have been something that enriched our lives. my peers in our east yorkshire village all seemed to be in touch with their extended families and i remember feeling quite envious of this. isn't that how life was meant to be? and isn't the true meaning of "family" something richer and more extensive than the modern core nuclear family which is too often developed in geographical isolation.
the funeral had three phases. first there was a well-attended memorial service in middleton's surprisingly wonderful and ancient parish church. irene had nine siblings and so the mcgann side of her family was numerous. she was a much-loved matriarch and had many friends, living life to the full right up to the end.
next the funeral moved to boarshaw cemetery for the interment - witnessed by a crowd of perhaps a hundred. and then we all went on to middleton cricket club for food and drink and conversation - marking the passing of auntie irene. and it was there i managed to snap this picture of my five girl cousins - now mature women of course with children - and in three cases - grandchildren of their own. i wish i had known them with pigtails i could pull, hide and seek and picnics on beaches, ghost stories and giggles, sandcastles and caravan holidays - growing up together - part of the same big family. but sadly it never happened.
close to the former south yorkshire coal mining village of maltby, in a green valley that is blessed by a sparkling stream, you will find the remains of roche abbey. it was founded in 1147 by the cistercian monastic order and destroyed by henry viii's forces some four hundred years later during the dissolution. and after that many local people viewed the site as a free salvage yard. they would turn up with horse and carts or wooden hand carts and take away dressed stones or pieces of lead and glass. and that pillaging went on well into the nineteenth century.
if you think that cistercian monks were all about self-denial and the worship of god, you'd be wrong. the cistercian movement was about political and economic control as much as religious worship. like other abbeys in yorkshire, roche abbey drew its wealth from the surrounding farmland and local people were subjugated - paying rents, delivering agricultural produce and undertaking work without payment in order to keep the latest abbot happy. no doubt they were warned that if they didn't do as they were told they wouldn't enter heaven.
just to build a substantial religious campus like roche abbey would have been a mind-boggling task in the twelfth century. suitable stone would need to be identified in the local area then quarried, dressed and brought in carts to the site. no electric drills, no trucks, no dynamite, no tubular scaffolding. it makes the construction of the shard in london - or any other modern skyscraper - seem like child's play.
there were over fifty cistercian monasteries in england and they were like the tentacles of a movement that had its central powerhouse in france. cistercian leaders had great political sway with monarchs and popes for five hundred years. it would have been hard not to listen to an organisation that could boast such economic power and in everyday terms governed the lives of many thousands of people throughout western europe.
roche abbey has a fence around it these days and is overseen by an organisation called "english heritage". it used to be that you could wander freely around the site at any time but now you can only go inside the fence on wednesdays, sundays and bank holidays, paying £3.60 for the privilege. i took my photographs and kept on walking on another gorgeously hot and sunny summer's day. if only roche abbey's stones could speak. i would love to listen to their stories.
it's not a cricket match nor a meeting of two great baseball teams. we are not talking about rugby or athletics or snooker, we are talking death. the grim reaper. the end of life. even as we speak, israel is wreaking havoc in the gaza strip with its american tanks and state of the art weaponry while palestinians fire pathetic "rockets" into israel that are not much more deadly than grenades on sticks. if these rockets are such a threat, how come more israelis haven't died? how come the damage to buildings is so superficial?
we are led to believe that the humane israeli military machine messages gaza civilians ahead of its missile strikes - warning them to evacuate their homes. where are they meant to run to? how much time have they got? how do the israeli generals know the messages have got through? can israeli bombings really be so pinpoint accurate that they always hit their targets and leave the people next door free to get on with their lives?
it is such an unequal conflict and personally i shudder when i hear the justifications and tissue thin apologies of israeli spokesmen. obviously, the issues surrounding israel and the palestinians are complex - like a tangled ball of wool. i would have no idea how it might be sorted out but killing women and children, bombing schools and hospitals, creating terror in the densely packed streets of gaza is surely not the way. talking, agreement and compromise are the only way forward. ultimately, that's how it has always been.
dumb dubya bush and catholic convert blair promoted a war on terror, but philadepelphia-educated benjamin netanyahu is now conducting a war of terror on a desperate people whose lives are not underwritten by america with its vast military arsenal and influential jewish lobbyists. one things's for sure - the death and terror currently being meted out by israel will not be the end of it all. it's no solution, no solution at all. if you kick a wounded dog it will bite back. if you put a lid on a bottle of soda water and shake it up it is liable to explode.
surprisingly, bob is not a woman's name - it is a man's name! it is not short for "bobbin" which is an item used in textile industries. no - bob is short for robert. over here in england the most famous bob is an animated children's tv character called bob the builder. here he is! hello bob!
the name "bob" is favoured by owners of small dogs throughout the english speaking world. it is estimated that there are approximately 2.7 million canine"bobs" worldwide. and on that happy note i do believe that i have exhausted all of my "bob" knowledge. i hope that this post has been instructive to any bobs who happen to have been visiting this humble blog.
thursday was hot. weather forecasters on the television were warning we britons to stay indoors and avoid vigorous exercise so naturally that inspired me to go on a ten mile walk in derbyshire. my starting point was the tiny village of aldwark which is west of matlock. once it was on the old stage coach route from derby to buxton but now it's a forgotten place and would be very peaceful if not for the sound of nearby limestone workings.
from aldwark, i headed for winster and then along bonsall lane, taking a cross country footpath south to another small and rather delightful village called ible. i had planned to continue strolling southwards from there into griffe grange valley but there was a bull in one of the fields through which the little used public footpath runs. he advanced in my direction as soon as he saw me approaching and wasn't coming over to exchange pleasantries or even to talk bull. his horns were lethal weapons and he was snorting pure testosterone so naturally i chose to take a detour. this involved me receiving a jolt from an electric fence and squelching through boggy ground. thank you bully!
up to griffe grange, through the woods then along to the limestone way footpath where farmers were making hay while the sun shone and then west to longcliffe with yet more limestone works. then back in an arc to aldwark - which means "old fortification".
survive? this one isn't even re-painted any more. damn those mobile phones!
out on the moors the other day, i followed a track which was defined by boundary stones. i believe they mark the western extremity of the metropolitan district of sheffield though who would have sanctioned their placement i have no idea. i came across more than twenty of them in different states of repair - including the one below which was the only stone with letters carved upon it. such lettering normally indicates ownership of moorland estates. beyond this stone you can just make out dale dike reservoir - source of the great sheffield flood of 1864 and there's boot's folly to the right.
to the north, by a boggy area known as running moss, i noticed a gritstone outcrop so i made my way over there crossing several rivulets that cut through the peaty earth that blankets this landscape. the outcrop consists of several time-sculpted stones and as far as i can deduce it is unnamed. it is some distance from the nearest path or track and hard to reach - unless you happen to be a sheep.
i love places like this. to me these stones are better than manmade sculptures. they speak of the bedrock and of the centuries that have shaped them - wind and rain and frost - while empires rose and fell. these voiceless stones endure. below, flimsy summery clouds try to imitate the solid rock shapes.
and then along hoar stones road to this monument - built over a roadside spring in 1832 - in memory of a local child who drowned here. it is called the edgefield obelisk and it sits here in glorious isolation above bradfield dale.
one of the best albums i ever owned was "blue" by joni mitchell. in fact i owned it three times over - as a vinyl disc, as a tape cassette and as a cd. and i saw joni in concert when she was twenty five. she was more than the archetypal singer-songwriter for there was a unique and tender poignancy about her lyrics. she was a poet or maybe a poetess.
only yesterday, thanks to a bbc radio 4 programme, i discovered that this song was about a child that joni gave up for adoption when she was nineteen and a destitute art student. she discovered she had become pregnant by her calgary boyfriend. she said, "...he left me three months pregnant in an attic room with no money and winter coming on and only a fireplace for heat. the spindles of the banister were gap-toothed fuel for last winter's occupants.". that little girl - kelly dale anderson - later to be renamed kilauren gibb - remained a secret throughout joni's years of musical success but it seems that in the late nineties she finally re-established contact with this long lost daughter. and when they met in 1997, both women found their lives enriched as if discovering vital missing jigsaw pieces.
joni mitchell is seventy now. she has health issues - some are probably psychosomatic - and she is something of a recluse living in the los angeles hills in what has been described as a "joni mitchell museum". always a gifted, original visual artist, she is surrounded by her art work into which she now applies most of her creative energy. intellectually she lives on the edge, a highly strung chain smoker and combative too. it cannot be easy being joni's daughter. it cannot be easy being the genius who is joni mitchell.


text:
Style NotesLet’s keep this short and sweet. Our petite dresses are designed with you in mind, so no ..
Style NotesElevate your office look with a chic shirt dress. Think stripes, structured silhouettes, ..

lowercased:
style noteslet’s keep this short and sweet. our petite dresses are designed with you in mind, so no ..
style noteselevate your office look with a chic shirt dress. think stripes, structured silhouettes, ..


text: Illustration of Saul, javelin raised and pointed at David, in a rage as David plays his harp. David's left hand is raised to shield himself. An adviser sits to the right of Saul. A young boy, perhaps Jonathan, stands against a column to Saul's left. A dog stands at the boy's feet. The room has arched windows that open up on to the town.

lowercased: illustration of saul, javelin raised and pointed at david, in a rage as david plays his harp. david's left hand is raised to shield himself. an adviser sits to the right of saul. a young boy, perhaps jonathan, stands against a column to saul's left. a dog stands at the boy's feet. the room has arched windows that open up on to the town.


text:
Few outdoor skills eclipse s’more making for universal application and applause-inducing displays of campfire acumen. With the Camp Chef Redwood Fire Pit, there’s room to perfect the Art of Marshmallow Roasting even at home. Powered by clean-burning propane and ready for deck, backyard and campground, Redwood brings consistency and improved safety to your circle of family and friends.
Spin through the brand’s favorite recipes in video form, but don’t ignore Active Junky’s s’more alchemy. This recipe was perfected during a recent trip to southern Colorado on a film project. Once again, the Redwood showed up with the capability to handle solo and group cooking sessions including pie-iron hot sandwich preparation.
Double-down on to two regular-sized puffs or one oversized marshmallow. Before commencing toasting, break a Justin’s Dark Chocolate Peanut Butter Cup into quarters. Place a confection-covered half graham cracker within range of the Redwood’s warming glow to pre-melt the Peanut Butter Cup until it has a “wet” appearance (rather than reach complete melt-down).

lowercased:
few outdoor skills eclipse s’more making for universal application and applause-inducing displays of campfire acumen. with the camp chef redwood fire pit, there’s room to perfect the art of marshmallow roasting even at home. powered by clean-burning propane and ready for deck, backyard and campground, redwood brings consistency and improved safety to your circle of family and friends.
spin through the brand’s favorite recipes in video form, but don’t ignore active junky’s s’more alchemy. this recipe was perfected during a recent trip to southern colorado on a film project. once again, the redwood showed up with the capability to handle solo and group cooking sessions including pie-iron hot sandwich preparation.
double-down on to two regular-sized puffs or one oversized marshmallow. before commencing toasting, break a justin’s dark chocolate peanut butter cup into quarters. place a confection-covered half graham cracker within range of the redwood’s warming glow to pre-melt the peanut butter cup until it has a “wet” appearance (rather than reach complete melt-down).


text:
Financial group with more than 30 years in the country. Since the beginning of its operations, it has assumed a pioneering position in product launches and in anticipating trends with outstanding participation in the segments in which they operate.
Western Union is a multinational company that offers financial services. It has its headquarters in the United States. It offers various services such as person to person money transfers, money orders and business services. It has over 250,000 points of sale in 195 countries around the world.
Working in the financial transactions market for over 15 years, present in 5 states and providing solidity to its customers with the right service for every need.
Founded in 1958, Carol Precious Metals pioneered the metal market specializing in refining and marketing of precious metals like gold and silver. In 1989 Carol DTVM was authorized by Brazil's Central Bank to operate in exchange tourism industry, carrying out purchase and sale of foreign currency for those traveling abroad.
Present in the tourism exchange market since 1968, the Cotação is the largest distributor of the sector in the country.
The Confidence Bank, founded in 2010, was the first financial institution to obtain Central Bank license to work specifically with foreign exchange transactions in Brazil. Today is a leader in the country's foreign exchange market.
OM Group is a financial institution which has a branch in three business areas: Absolute Gold, Gold Gifts and Exchange Quick, having become the largest seller of gold coins online and Foreign Brazil. The company also works with Securities and Agricultural Debt Securities (TDA).
The Levycam figure as a pioneer in the segment Tourism Exchange with accreditation of the Central Bank of Brazil.
Founded in 1993 and always attentive to technological advances, the J. Alves offers the most modern and founded this platform with professionals with proven experience in foreign exchange and foreign trade.

lowercased:
financial group with more than 30 years in the country. since the beginning of its operations, it has assumed a pioneering position in product launches and in anticipating trends with outstanding participation in the segments in which they operate.
western union is a multinational company that offers financial services. it has its headquarters in the united states. it offers various services such as person to person money transfers, money orders and business services. it has over 250,000 points of sale in 195 countries around the world.
working in the financial transactions market for over 15 years, present in 5 states and providing solidity to its customers with the right service for every need.
founded in 1958, carol precious metals pioneered the metal market specializing in refining and marketing of precious metals like gold and silver. in 1989 carol dtvm was authorized by brazil's central bank to operate in exchange tourism industry, carrying out purchase and sale of foreign currency for those traveling abroad.
present in the tourism exchange market since 1968, the cotação is the largest distributor of the sector in the country.
the confidence bank, founded in 2010, was the first financial institution to obtain central bank license to work specifically with foreign exchange transactions in brazil. today is a leader in the country's foreign exchange market.
om group is a financial institution which has a branch in three business areas: absolute gold, gold gifts and exchange quick, having become the largest seller of gold coins online and foreign brazil. the company also works with securities and agricultural debt securities (tda).
the levycam figure as a pioneer in the segment tourism exchange with accreditation of the central bank of brazil.
founded in 1993 and always attentive to technological advances, the j. alves offers the most modern and founded this platform with professionals with proven experience in foreign exchange and foreign trade.


text:
On the north side of the Church is a beautiful Chapel dedicated to musicians. Many musicians are remembered in the Chapel through the stained glass windows and Musicians’ Book of Remembrance.
The Chapel is supported by the Friends of the Musicians’ Chapel, who look after the Musicians’ Book of Remembrance, organise an annual Service of Thanksgiving and help to maintain the Chapel.
In the north wall of the sanctuary are what may be the remains of an Easter Sepulchre. The most notable person known to have been buried in this chapel was Roger Ascham, the beloved tutor of Queen Elizabeth I who died in 1568.

lowercased:
on the north side of the church is a beautiful chapel dedicated to musicians. many musicians are remembered in the chapel through the stained glass windows and musicians’ book of remembrance.
the chapel is supported by the friends of the musicians’ chapel, who look after the musicians’ book of remembrance, organise an annual service of thanksgiving and help to maintain the chapel.
in the north wall of the sanctuary are what may be the remains of an easter sepulchre. the most notable person known to have been buried in this chapel was roger ascham, the beloved tutor of queen elizabeth i who died in 1568.


text: Tomorrow I’ll be moving to Hunan province, China, to study Mandarin for a year in Xiangtan University. I’ll be using this blog to record anything that interests me (and could conceivably interest others) while I’m there. I’ve been to China once before, in July 2010, when I spent 3 weeks on the UK’s Study China Programme in Shanghai. My blog from that trip can be seen here.

lowercased: tomorrow i’ll be moving to hunan province, china, to study mandarin for a year in xiangtan university. i’ll be using this blog to record anything that interests me (and could conceivably interest others) while i’m there. i’ve been to china once before, in july 2010, when i spent 3 weeks on the uk’s study china programme in shanghai. my blog from that trip can be seen here.


text:
The following course in Ethics is provided in its entirety by Atlantic International University's "Open Access Initiative" which strives to make knowledge and education readily available to those seeking advancement regardless of their socio-economic situation, location or other previously limiting factors. The University's Open Courses are free and do not require any purchase or registration, they are open to the public.
Final exam for overall evaluation of the course.
The Administrative Staff may be part of a program of titillation paying up to three college credits. The lessons of the course can be taken on line Through distance learning. The content and access are open to the public according to the "Open Access" and " Open Access " Atlantic International University initiative. Participants who wish to receive credit and / or term certificate , must register as students.

lowercased:
the following course in ethics is provided in its entirety by atlantic international university's "open access initiative" which strives to make knowledge and education readily available to those seeking advancement regardless of their socio-economic situation, location or other previously limiting factors. the university's open courses are free and do not require any purchase or registration, they are open to the public.
final exam for overall evaluation of the course.
the administrative staff may be part of a program of titillation paying up to three college credits. the lessons of the course can be taken on line through distance learning. the content and access are open to the public according to the "open access" and " open access " atlantic international university initiative. participants who wish to receive credit and / or term certificate , must register as students.


text:
The MIM Music Theater proudly announces its Summer 2019 Concert Series, with tickets on sale to the public starting on April 4 at 10:00 a.m. The new series, running from May through August, features more than thirty-five concerts spanning multiple genres across the globe. Highlights this season include folk-pop singer-songwriter Brett Dennen, who is known for his feel-good lyrics and melodies. Grammy Award–winning Americana and folk singer-songwriter Patty Griffin will deliver a powerful performance that explores the universal emotions that bind people together. Sitar player and composer Anoushka Shankar, daughter of the late Ravi Shankar, will fuse together Indian classical techniques with popular sensibilities. Vocal quartet New York Voices will share their inspired jazz-fusion arrangements and unparalleled vocal blend.
Tickets will go on sale early to members who give $250+ annually at the Summer 2019 Concert Series Preview Event this Wednesday, March 27. Join MIM’s Circle of Friends starting at $250 to enjoy exclusive member benefits, including advance purchase opportunities for concerts and invitations to Concert Series Previews with MIM’s artistic director. Members who give $500+ annually also receive 10% off concert tickets.

lowercased:
the mim music theater proudly announces its summer 2019 concert series, with tickets on sale to the public starting on april 4 at 10:00 a.m. the new series, running from may through august, features more than thirty-five concerts spanning multiple genres across the globe. highlights this season include folk-pop singer-songwriter brett dennen, who is known for his feel-good lyrics and melodies. grammy award–winning americana and folk singer-songwriter patty griffin will deliver a powerful performance that explores the universal emotions that bind people together. sitar player and composer anoushka shankar, daughter of the late ravi shankar, will fuse together indian classical techniques with popular sensibilities. vocal quartet new york voices will share their inspired jazz-fusion arrangements and unparalleled vocal blend.
tickets will go on sale early to members who give $250+ annually at the summer 2019 concert series preview event this wednesday, march 27. join mim’s circle of friends starting at $250 to enjoy exclusive member benefits, including advance purchase opportunities for concerts and invitations to concert series previews with mim’s artistic director. members who give $500+ annually also receive 10% off concert tickets.


text:
An enormous thanks to my brother and sister-in-law for my early birthday/going-away present!
Right now I'm the process of learning how to use it, which is just really overwhelming. I'm about 9 pages into the manual and I'm not doing so hot. I'd really like to use more than just the auto function.
Looks like I've a got a huge project for the next few weeks. You know, besides packing.
Today, Friday, I am leaving Columbus for the last time before I head for Paris. This means that I won't be returning to the good ol' 614 until at least next June.
This week was full of a lot of sad goodbyes. I know that I should be excited for the adventure ahead of me, but right now it still doesn't feel real. What does feel real is that fact that I won't see so many of my great friends for such a long time. This summer has certainly been one to remember. I got a great new job and made a lot of great memories - most of which I did not have to have relayed to me the next morning.
So far, leaving Columbus is reminding me of a few things. The first is that I'm going to miss out on a lot this year. Everyone and their brother is turning 21, and I won't be here to celebrate any of it. I'll also miss what is sure to be an incredible football season. Probably more upsetting is that I'm going to miss so many people graduating this year. Wish I could be here to enjoy that time as well. Second, is that Columbus has been so good to me. I love this school more than anything, and I'm so glad the path of life has brought me here. But for Ohio State, I would not have all of these many and incredible opportunities. Finally, I'm reminded of all the great people I have in my life. Without the people, this place wouldn't feel like home. I'll always remember long, lazy days at the pool and that night that we almost died coming back from downtown, but still blasted Defying Gravity the whole way.
Thank you to all my new co-workers and my new friends. You've made this summer one to remember, from all the hours we spent at the Union, way too much Chipotle, and so many great stories.
Thanks to all the girls (and Kyle) of apartment 50D for letting me crash for a few days. I wish I could have just moved in with you; you guys are fantastic.
Endless thanks for Kat and Bethany who let me crash in the Nosk for two and half weeks! I know you didn't plan on living in a triple, but I really appreciate everything! Without you I wouldn't have been able to work until the last minute, see all of my friends, and mostly just enjoy your company! Basically, I would have missed out on a lot. You guys are the best and I owe you big time.
So right now, I'm sitting in the terminal waiting to board. A quick 50 minute flight and I'll be back in Virginia. If I'm lucky, the plane will take off to the West and we'll do a huge turnaround over the city and have to fly over campus. It would be a great final send-off.

lowercased:
an enormous thanks to my brother and sister-in-law for my early birthday/going-away present!
right now i'm the process of learning how to use it, which is just really overwhelming. i'm about 9 pages into the manual and i'm not doing so hot. i'd really like to use more than just the auto function.
looks like i've a got a huge project for the next few weeks. you know, besides packing.
today, friday, i am leaving columbus for the last time before i head for paris. this means that i won't be returning to the good ol' 614 until at least next june.
this week was full of a lot of sad goodbyes. i know that i should be excited for the adventure ahead of me, but right now it still doesn't feel real. what does feel real is that fact that i won't see so many of my great friends for such a long time. this summer has certainly been one to remember. i got a great new job and made a lot of great memories - most of which i did not have to have relayed to me the next morning.
so far, leaving columbus is reminding me of a few things. the first is that i'm going to miss out on a lot this year. everyone and their brother is turning 21, and i won't be here to celebrate any of it. i'll also miss what is sure to be an incredible football season. probably more upsetting is that i'm going to miss so many people graduating this year. wish i could be here to enjoy that time as well. second, is that columbus has been so good to me. i love this school more than anything, and i'm so glad the path of life has brought me here. but for ohio state, i would not have all of these many and incredible opportunities. finally, i'm reminded of all the great people i have in my life. without the people, this place wouldn't feel like home. i'll always remember long, lazy days at the pool and that night that we almost died coming back from downtown, but still blasted defying gravity the whole way.
thank you to all my new co-workers and my new friends. you've made this summer one to remember, from all the hours we spent at the union, way too much chipotle, and so many great stories.
thanks to all the girls (and kyle) of apartment 50d for letting me crash for a few days. i wish i could have just moved in with you; you guys are fantastic.
endless thanks for kat and bethany who let me crash in the nosk for two and half weeks! i know you didn't plan on living in a triple, but i really appreciate everything! without you i wouldn't have been able to work until the last minute, see all of my friends, and mostly just enjoy your company! basically, i would have missed out on a lot. you guys are the best and i owe you big time.
so right now, i'm sitting in the terminal waiting to board. a quick 50 minute flight and i'll be back in virginia. if i'm lucky, the plane will take off to the west and we'll do a huge turnaround over the city and have to fly over campus. it would be a great final send-off.


text:
As the resistance of the malaria parasite to antimalarial drugs continues to increase, as does that of the malarial mosquito to insecticides, the efficacy of efforts to control malaria in many tropical countries is diminishing. This trend, together with the projected consequences of climate change, may prove to exacerbate substantially the significance of malaria in the coming decades.
In this article we introduce the use of an evolutionary modeling approach to simulate the adaptation of mosquitoes and parasites to the available pesticides and drugs. By coupling genetic algorithms with a dynamic malaria-epidemiological model, we derive a complex adaptive system capable of simulating adapting and evolving processes within both the mosquito and the parasite populations.
This approach is used to analyze malaria management strategies appropriate to regions of higher and lower degrees of endemicity. The results suggest that adequate use of insecticides and drugs may reduce the occurrence of malaria in regions of low endemicity, although increased efforts would be necessary in the event of a climate change. However, our model indicates that in regions of high endemicity the use of insecticides and drugs may lead to an increase in incidence due to enhanced resistance development. Projected climate change, on the other hand, may lead to a limited reduction of the occurrence of malaria due to the presence of a higher percentage of immune persons in the older age class.

lowercased:
as the resistance of the malaria parasite to antimalarial drugs continues to increase, as does that of the malarial mosquito to insecticides, the efficacy of efforts to control malaria in many tropical countries is diminishing. this trend, together with the projected consequences of climate change, may prove to exacerbate substantially the significance of malaria in the coming decades.
in this article we introduce the use of an evolutionary modeling approach to simulate the adaptation of mosquitoes and parasites to the available pesticides and drugs. by coupling genetic algorithms with a dynamic malaria-epidemiological model, we derive a complex adaptive system capable of simulating adapting and evolving processes within both the mosquito and the parasite populations.
this approach is used to analyze malaria management strategies appropriate to regions of higher and lower degrees of endemicity. the results suggest that adequate use of insecticides and drugs may reduce the occurrence of malaria in regions of low endemicity, although increased efforts would be necessary in the event of a climate change. however, our model indicates that in regions of high endemicity the use of insecticides and drugs may lead to an increase in incidence due to enhanced resistance development. projected climate change, on the other hand, may lead to a limited reduction of the occurrence of malaria due to the presence of a higher percentage of immune persons in the older age class.


text:
HEC designs and creates tableware and houseware products that bring a touch of sophistication to the most average of homes. We developed a design-focused brand identity that also connected with people's sense of fun, then gave it life both through design and events.
We designed a brand book for HEC that contains and summarizes mission, vision, values and the visual identity of the company.

lowercased:
hec designs and creates tableware and houseware products that bring a touch of sophistication to the most average of homes. we developed a design-focused brand identity that also connected with people's sense of fun, then gave it life both through design and events.
we designed a brand book for hec that contains and summarizes mission, vision, values and the visual identity of the company.


text:
Why does she insist that maretha play the piano?
Is it possible to learn how to play the piano online?
Is playing piano allowed in Islam?
What should i play violin,electric guitar,or piano and which is easier?
Does anyone play the Organ or Piano in church?
How to play piano by ear?
Does anybody here play the piano?
Why does she insist on being friends?
Why does she insist on paying?

lowercased:
why does she insist that maretha play the piano?
is it possible to learn how to play the piano online?
is playing piano allowed in islam?
what should i play violin,electric guitar,or piano and which is easier?
does anyone play the organ or piano in church?
how to play piano by ear?
does anybody here play the piano?
why does she insist on being friends?
why does she insist on paying?


text:
(Right-of-way located at the Southeast corner of Spring Station Road and Airport Boulevard -- median located between Airport Boulevard and Service Road)Sign Variance to allow a 16 square foot off-site freestanding sign located in city right-of-way; all signs must be located on-site (private property).
161 Mobile Street Southwest corner of Spring Hill Avenue and Mobile Street)Access/Maneuvering and Landscaping Variances to allow a 21’ 7” wide two way driveway, an 11’ 3” one way driveway along the west side of the building, an 11’ one way driveway along the south side of the building and to allow off-site landscaping; the Zoning Ordinance requires that two-way driveway be a minimum of 24-foot wide, one way driveway be a minimum of 12-foot wide and all landscaping is to be on site in a B-3, Community Business District.
154 Randolph Street (East side of Randolph Street, 50’ + North of Jenkins Street)Use Variance to reopen a previous variance to allow medical sales with associated warehousing in an R-1, Single-Family Residential District; medical sales is allowed by right in a B-2, Neighborhood Business District.
115 Providence Street (West side of Providence Street, 230’ + South of Spring Hill Avenue, extending to North Catherine Street)Use, Off-Site Parking and Parking Surface Variances to allow a bed and breakfast in an R-1, Single-Family Residential District with an off-site, aggregate surface parking lot in a B-1, Buffer Business District; a bed and breakfast is allowed by right in a B-1, Buffer Business District, the Zoning Ordinance requires all parking to be located on-site and the parking surfaces to be asphalt, concrete or an approved alternative paving surface.
3901 Airport Boulevard (Southwest corner of Airport Boulevard and Downtowner Loop West)Sign Variance to allow two walls sign for one tenant on a multi-tenant site; only one wall sign per tenant is allowed on a multi-tenant site.
1260 Carleton Acres West West side of Carleton Acres West, 164’ + South of Halls Mill Road)Rear Yard Setback Variances to allow an existing garage 0.2’ and an existing shed 6.1’ from the rear property line; an 8’ minimum rear yard setback is required from the rear property line in an R-1, Single-Family Residential District.
(Area bounded on the West by South Washington Avenue, on the South by Kentucky Street, on the East by South Scott Street, and the North by Tennessee Street [unopen] and Illinois Central Gulf Railroad right-of-way)Request for six month extension.

lowercased:
(right-of-way located at the southeast corner of spring station road and airport boulevard -- median located between airport boulevard and service road)sign variance to allow a 16 square foot off-site freestanding sign located in city right-of-way; all signs must be located on-site (private property).
161 mobile street southwest corner of spring hill avenue and mobile street)access/maneuvering and landscaping variances to allow a 21’ 7” wide two way driveway, an 11’ 3” one way driveway along the west side of the building, an 11’ one way driveway along the south side of the building and to allow off-site landscaping; the zoning ordinance requires that two-way driveway be a minimum of 24-foot wide, one way driveway be a minimum of 12-foot wide and all landscaping is to be on site in a b-3, community business district.
154 randolph street (east side of randolph street, 50’ + north of jenkins street)use variance to reopen a previous variance to allow medical sales with associated warehousing in an r-1, single-family residential district; medical sales is allowed by right in a b-2, neighborhood business district.
115 providence street (west side of providence street, 230’ + south of spring hill avenue, extending to north catherine street)use, off-site parking and parking surface variances to allow a bed and breakfast in an r-1, single-family residential district with an off-site, aggregate surface parking lot in a b-1, buffer business district; a bed and breakfast is allowed by right in a b-1, buffer business district, the zoning ordinance requires all parking to be located on-site and the parking surfaces to be asphalt, concrete or an approved alternative paving surface.
3901 airport boulevard (southwest corner of airport boulevard and downtowner loop west)sign variance to allow two walls sign for one tenant on a multi-tenant site; only one wall sign per tenant is allowed on a multi-tenant site.
1260 carleton acres west west side of carleton acres west, 164’ + south of halls mill road)rear yard setback variances to allow an existing garage 0.2’ and an existing shed 6.1’ from the rear property line; an 8’ minimum rear yard setback is required from the rear property line in an r-1, single-family residential district.
(area bounded on the west by south washington avenue, on the south by kentucky street, on the east by south scott street, and the north by tennessee street [unopen] and illinois central gulf railroad right-of-way)request for six month extension.


text:
The new Motor Vehicle Block Exemption Regulation (MVBER) continues the existing rules relative to the market for automotive sales and distribution until 2013. After this period the non sector specific Vertical Block Exemption Regulation (VBER), which was adopted last month, will apply; it will cover the after-sales market as well. In addition the Commission has adopted a "mini" MVBER, paired with comprehensive guidelines, which will apply as of 1 June 2010.
Within this "mini" MVBER and related guidelines, the European Commission continues to recognise leasing companies as "end users", a status which confirms leasing companies as the economic owners of the leased vehicles. In addition, the European Commission has clarified that the sale of new vehicles to leasing companies cannot be made dependent on the requirement to disclose the identity of the lessee.
Additionally, guidance regarding the misuse of warranties has been reinforced. For example, it is now clearly stated that a vehicle's warranty cannot be made conditional upon the end user having after-sales services which are not covered by the warranty provided only within the authorised repair networks.

lowercased:
the new motor vehicle block exemption regulation (mvber) continues the existing rules relative to the market for automotive sales and distribution until 2013. after this period the non sector specific vertical block exemption regulation (vber), which was adopted last month, will apply; it will cover the after-sales market as well. in addition the commission has adopted a "mini" mvber, paired with comprehensive guidelines, which will apply as of 1 june 2010.
within this "mini" mvber and related guidelines, the european commission continues to recognise leasing companies as "end users", a status which confirms leasing companies as the economic owners of the leased vehicles. in addition, the european commission has clarified that the sale of new vehicles to leasing companies cannot be made dependent on the requirement to disclose the identity of the lessee.
additionally, guidance regarding the misuse of warranties has been reinforced. for example, it is now clearly stated that a vehicle's warranty cannot be made conditional upon the end user having after-sales services which are not covered by the warranty provided only within the authorised repair networks.


text:
XDU Recon Single Earhook Earphone with Reinforced Cord - Far End Gear™ Products for outdoor enthusiasts - earbuds, earphones, and earbud sport grips.
OneGood (XDU) Earphones have garnered the attention of Entrepreneur Magazine, and they have placed us on their list of 100 Brilliant Companies.
XDU™ Single Earphones are the ideal way to safely listen to music, podcasts, audio books, and mobile calls while running, cycling, snowboarding, or working out at the gym. Our custom-designed earphone mixes both channels of sound from a stereo audio device into a single ear  enabling the wearer to maintain alertness in any environment.
In addition to its safety benefits, XDU™ Single Earphones can also allow individuals with a single-sided hearing impairment to finally enjoy full sound from an earphone.
Features our removable wrap-around earhook design, allowing for installation and wear in either the left or right ear. Each package includes two earhooks (black/clear) which can be easily shaped for a customized fit.
XDU: From the Latin "ex duo unum" which means "from two, one".
Single Earbud Designed for wear in either the left or right ear, our in-ear style earbud features soft rubber eartips of varying sizes for a comfortable, secure, near-customized fit. Technical Specifications: Gold-Plated Stereo 3.5mm plug (same as 1/8-inch size plug) Includes 3 sizes of rubber ear tips, to find your best fit Compatible with Apple iPods, Apple iPhone, Android Phones, Sony MP3 Players, Laptops and Desktop Computers, as well as Sansa, Creative, Etek, Ativa, RCA and other low-cost MP3 players Works with any device that accepts a stereo or mono 1/8-inch (1/8") or 3.5mm plug Weighs in at 0.3 ounces (8 grams) Stereo-to-mono circuitry mixes both stereo channels (left and right) together into one earphone 42 inch long nylon-reinforced TPU cord XDU: From the Latin "ex duo unum" which means "from two, one".

lowercased:
xdu recon single earhook earphone with reinforced cord - far end gear™ products for outdoor enthusiasts - earbuds, earphones, and earbud sport grips.
onegood (xdu) earphones have garnered the attention of entrepreneur magazine, and they have placed us on their list of 100 brilliant companies.
xdu™ single earphones are the ideal way to safely listen to music, podcasts, audio books, and mobile calls while running, cycling, snowboarding, or working out at the gym. our custom-designed earphone mixes both channels of sound from a stereo audio device into a single ear  enabling the wearer to maintain alertness in any environment.
in addition to its safety benefits, xdu™ single earphones can also allow individuals with a single-sided hearing impairment to finally enjoy full sound from an earphone.
features our removable wrap-around earhook design, allowing for installation and wear in either the left or right ear. each package includes two earhooks (black/clear) which can be easily shaped for a customized fit.
xdu: from the latin "ex duo unum" which means "from two, one".
single earbud designed for wear in either the left or right ear, our in-ear style earbud features soft rubber eartips of varying sizes for a comfortable, secure, near-customized fit. technical specifications: gold-plated stereo 3.5mm plug (same as 1/8-inch size plug) includes 3 sizes of rubber ear tips, to find your best fit compatible with apple ipods, apple iphone, android phones, sony mp3 players, laptops and desktop computers, as well as sansa, creative, etek, ativa, rca and other low-cost mp3 players works with any device that accepts a stereo or mono 1/8-inch (1/8") or 3.5mm plug weighs in at 0.3 ounces (8 grams) stereo-to-mono circuitry mixes both stereo channels (left and right) together into one earphone 42 inch long nylon-reinforced tpu cord xdu: from the latin "ex duo unum" which means "from two, one".


text:
Gold Rings For Men: Tungsten Carbide Ring Review, Amazon Rings For Men 8mm Mens With Meteorite Inlay can be seen here on Amazon: https://amzn.to/2rtfOQo Gold Rings For Men Price UPDATE: 03/20/2018 The price of this had dropped significantly since I purchased nearly 2 years ago. I bought it for around $60 back then. It's now selling for $23 on Amazon -- so this does change my mind on this ring regarding its overall worth. I do now recommend it because the price has lowered. It is worth around $25 in my opinion -- it just wasn't worth $60. With that said, here's my original review. Quick thoughts on Gold Rings For Men: Tungsten Carbide Ring Review, Amazon Rings For Men 8mm Mens With Meteorite Inlay. This is a 14k gold ring that failed to deliver its promise at a $60 price tag range. I have to tell ya, upon looking through hundreds of gold rings designs, I was VERY excited to get this gold plated ring. I have been waiting a while to find something that really caught my eye. I haven't had my wedding ring for years (lost it!) and always popped in and out of jewelry stores to find something that could replace it, but nothing ever caught my eye and I hate being around pushy sales people who seem to think every gold ring on your finger is "the one!" (Ha!) Anyway, this 14k gold plated ring caught my eye. When I opened it up, I was expecting to be overwhelmed by the "glamorous" design this ring should have given off for $60. Instead, I was underwhelmed by a shiny gold ring with a piece of tin foil running down the middle. In the photos, the imitation meteorite inlay looks very nice, but in real life, it looks a bit cheesy. Seriously, this gold wedding ring looks like a piece of crumpled tin foil wrapped in yellow gold. Gold Rings For Men: Tungsten Carbide Ring Review, Amazon Rings For Men 8mm Mens With Meteorite Inlay - Gold Rings Review: It was an unfortunate discovery that while looking at gold rings designs, this gold ring for men didn't deliver the results I was expecting. Perhaps it was because of the price? I mean, for $60, one would expect a gold wedding ring to be much higher quality, even if it's for gold plated. But in my opinion, it's not worth over $25. Gold Rings For Men: Tungsten Carbide Ring Review, Amazon Rings For Men 8mm Mens With Meteorite Inlay - Gold Rings Review: If you're looking a decent men's wedding band, then you ought to maybe pass this one by in the $60 price range. The gold wedding ring had inspiration which was well thought out, but this gold wedding ring lacked overall execution and is less than to be desired regarding a gold ring for men in the $60 price range. Gold Rings For Men: Tungsten Carbide Ring Review, Amazon Rings For Men 8mm Mens With Meteorite Inlay - Gold Rings Review: A men's wedding band that did fit well, but upon further inspection, looked more like a costume ring that was polished brightly than a true gold ring for men. That inlay is attractive, but I don't want to have to keep turning it to hide its imperfections! As I rolled it around on my finger, it fit nicely. It does have a good weight to it (tungsten is a nice solid heavy material), the 14K gold plated finish is nice too -- very shiny. But that meteorite running down the middle is just not worthy of a $60 price tag I paid. As I continued to roll it around my finger, I actually saw a crease of the inner meteorite where it bubbled up slightly, as well as where it likely glued. I thought maybe it wasn't so noticeable -- but it is. I put it on my finger with the crease showing on top and showed my wife the ring on my finger. The first thing she said was "Oh that's pretty... hey, is that metal they used inside or foil? Because I can see the crease." EPIC FAIL! Watch my video review and you will see the crease. These gold rings for men do look expensive from afar, but up close, it looks cheap. Sorry, but that's the truth. It's beautiful in photos, has good weight, and it is shiny -- but that meteorite is not fooling anyone! Seriously, for $60 you can certainly buy better gold rings for men!
Fred Cuellar, The Diamond Guy, and Mark Mehaffey, ER physician, discuss dangers of removing tungsten and colbalt wedding bands. Equipment in cutting cobalt and tungsten rings are as readily available as some manufacturers lead you to believe. Go to www.diamondcuttersintl.com for more information.
http://UniqueTungstenRings.com Tungsten carbide is a metal compound which involves equal parts of tungsten and carbon being compounded together. It appears a shiny, dark grey, silver colored metal. It's also extremely strong and resilient to many different types of external forces which may cause other metals to scratch. The main pro of a tungsten carbide ring is that it's durable and very strong. Many different metals, especially that of the ubiquitous gold wedding bang, often show signs of strong wear after a couple of years. Gold easily scratches from daily use, and many customers are often obligated to send their rings in for maintenance every few years -- which can cost a lot of money. This, is rarely the case with tungsten carbide as it's an extremely strong metal which hardly shows any wear even after years. Another very important benefit about the tungsten carbide ring is that it's very affordable. Gold, platinum wedding bands may cost even up to the thousands for the bride and groom, however tungsten carbide rings only cost a fraction of that. A good quality tungsten carbide ring will set someone back around two hundred dollars. Leading to massive savings, even in the long term -- as mentioned above, there is usually no need for a tungsten carbide ring to be maintained every few years. Tungsten rings cannot be re-sized as in the case of rings made of other metals. So, if you put on weight or may be lose some, you cannot get your ring size adjusted. However, there are many jewelers who give a lifetime guarantee when they sell tungsten rings. Due to this guarantee, you can get your ring replaced due to the problem of size, for free. Hence, while making your purchase, ask questions regarding this to your jeweler.
product link: https://bit.ly/2PI7pFX This silver wedding band is made of Genuine Tungsten Carbide. It is perfect for both men and women and suitable for all occasions, which can be used for various purposes, as a wedding ring, engagement ring, anniversary and Valentine's Day gift. The great workmanship on brushed matte surface and high polish smooth inner face, bring the wearer both the Elegance and Comfort. Each of our rings has met our standards of high quality and they are paired up with the economical price we can offer. We respect people that know quality when they see it and that is why we offer the biggest bang for your buck. Metal Features: ① Cobalt Free ② Safe and Comfort ③ High Hardness ④ Scratch Resistant ⑤ Corrosion Resistant ⑥ Color Retention ⑦ No Deformation ⑧ Masculinity Occasions: Promise, Engagement, Marriage, Anniversary, Daily Wear, etc. A perfect gift for your lover or spouse with an elegant jewellery box. Special Service: Free Custom Engraving. You can remember special days, meaningful handwriting, etc. by carving inside the ring. Guarantee: Friendly customer service and lifetime warranty covering any damage and size exchange.
New Luxury Tungsten Rings, Shop: http://www.americantungsten.com American Tungsten is the leading tungsten ring website with hundreds of rings and modern designs to choose from. Black, white, blue, silver, and more. We also have a wide selection of scratch resistant tungsten rings or him and for her. Did you have a look at our men's wedding bands. They are stunning, aren't they?
This is how I designed and fabricated my friends wedding ring and I will custom hand craft you one too, just click on the link above.
Hello! Am Britto we sell a range of fashion tungsten rings fulfilling your expectation. we have a wide collection of men's tungsten rings and tungsten wedding rings.Thank you!Tungsten Rings are perfect for wedding bands or everyday style. We also offer unique durable and inexpensive Tungsten Wedding Rings for Men and Woman with a lifetime warranty on every Tungsten Band.
http://blog.weddingbandsforboth.com/post/49446672067/the-pros-and-cons-of-tungsten-carbide-rings - Top Quality Designer Tungsten Wedding Bands for Men & Women On Sale This Week Including Free Shipping. Limited Offer!
http://madtungsten.com.au/shop/fusion-rings-for-men/ This is some awesome silver tungsten carbide ring. We've taken a whole lot of silver tungsten carbide, a dash of brushed finish, some funky polished grooves, a bit of black ceramic and fused them all together, thus, we have the Fusion Tungsten Rings for Men. An 8mm wide band that weighs 15.5 grams, is indeed a gem of a ring.
Buy Here: http://evoratungstenrings.com/abrantes/ Use coupon "youtube" to get 15% off your order! Abrantes features possibly the most simple yet elegant design of tungsten ring that we carry. The coveted Forever Finish™ inside and out as well as a domed exterior make Abrantes a great choice. Backed by our No-Hassle warranty, this ring will please for ages to come.
Buying link: https://amzn.to/2GiqIRq Charming Jewelers presents with this classic brushed dome tungsten carbide band featuring with polished blue paling in a 2mm width. This luxurious blue paling ring is perfect to use for marriage or a dressy piece of upscale jewelry. We delicately create our unique rings in Comfort Fit, which provide comfortable and every day stylish wear. We carry all sizes including half sizes, for either women or men. We know you will love our sharp and elegant design so it makes a perfect choice for your ceremony and its unisex style will appeal to both the bride and groom.

lowercased:
gold rings for men: tungsten carbide ring review, amazon rings for men 8mm mens with meteorite inlay can be seen here on amazon: https://amzn.to/2rtfoqo gold rings for men price update: 03/20/2018 the price of this had dropped significantly since i purchased nearly 2 years ago. i bought it for around $60 back then. it's now selling for $23 on amazon -- so this does change my mind on this ring regarding its overall worth. i do now recommend it because the price has lowered. it is worth around $25 in my opinion -- it just wasn't worth $60. with that said, here's my original review. quick thoughts on gold rings for men: tungsten carbide ring review, amazon rings for men 8mm mens with meteorite inlay. this is a 14k gold ring that failed to deliver its promise at a $60 price tag range. i have to tell ya, upon looking through hundreds of gold rings designs, i was very excited to get this gold plated ring. i have been waiting a while to find something that really caught my eye. i haven't had my wedding ring for years (lost it!) and always popped in and out of jewelry stores to find something that could replace it, but nothing ever caught my eye and i hate being around pushy sales people who seem to think every gold ring on your finger is "the one!" (ha!) anyway, this 14k gold plated ring caught my eye. when i opened it up, i was expecting to be overwhelmed by the "glamorous" design this ring should have given off for $60. instead, i was underwhelmed by a shiny gold ring with a piece of tin foil running down the middle. in the photos, the imitation meteorite inlay looks very nice, but in real life, it looks a bit cheesy. seriously, this gold wedding ring looks like a piece of crumpled tin foil wrapped in yellow gold. gold rings for men: tungsten carbide ring review, amazon rings for men 8mm mens with meteorite inlay - gold rings review: it was an unfortunate discovery that while looking at gold rings designs, this gold ring for men didn't deliver the results i was expecting. perhaps it was because of the price? i mean, for $60, one would expect a gold wedding ring to be much higher quality, even if it's for gold plated. but in my opinion, it's not worth over $25. gold rings for men: tungsten carbide ring review, amazon rings for men 8mm mens with meteorite inlay - gold rings review: if you're looking a decent men's wedding band, then you ought to maybe pass this one by in the $60 price range. the gold wedding ring had inspiration which was well thought out, but this gold wedding ring lacked overall execution and is less than to be desired regarding a gold ring for men in the $60 price range. gold rings for men: tungsten carbide ring review, amazon rings for men 8mm mens with meteorite inlay - gold rings review: a men's wedding band that did fit well, but upon further inspection, looked more like a costume ring that was polished brightly than a true gold ring for men. that inlay is attractive, but i don't want to have to keep turning it to hide its imperfections! as i rolled it around on my finger, it fit nicely. it does have a good weight to it (tungsten is a nice solid heavy material), the 14k gold plated finish is nice too -- very shiny. but that meteorite running down the middle is just not worthy of a $60 price tag i paid. as i continued to roll it around my finger, i actually saw a crease of the inner meteorite where it bubbled up slightly, as well as where it likely glued. i thought maybe it wasn't so noticeable -- but it is. i put it on my finger with the crease showing on top and showed my wife the ring on my finger. the first thing she said was "oh that's pretty... hey, is that metal they used inside or foil? because i can see the crease." epic fail! watch my video review and you will see the crease. these gold rings for men do look expensive from afar, but up close, it looks cheap. sorry, but that's the truth. it's beautiful in photos, has good weight, and it is shiny -- but that meteorite is not fooling anyone! seriously, for $60 you can certainly buy better gold rings for men!
fred cuellar, the diamond guy, and mark mehaffey, er physician, discuss dangers of removing tungsten and colbalt wedding bands. equipment in cutting cobalt and tungsten rings are as readily available as some manufacturers lead you to believe. go to www.diamondcuttersintl.com for more information.
http://uniquetungstenrings.com tungsten carbide is a metal compound which involves equal parts of tungsten and carbon being compounded together. it appears a shiny, dark grey, silver colored metal. it's also extremely strong and resilient to many different types of external forces which may cause other metals to scratch. the main pro of a tungsten carbide ring is that it's durable and very strong. many different metals, especially that of the ubiquitous gold wedding bang, often show signs of strong wear after a couple of years. gold easily scratches from daily use, and many customers are often obligated to send their rings in for maintenance every few years -- which can cost a lot of money. this, is rarely the case with tungsten carbide as it's an extremely strong metal which hardly shows any wear even after years. another very important benefit about the tungsten carbide ring is that it's very affordable. gold, platinum wedding bands may cost even up to the thousands for the bride and groom, however tungsten carbide rings only cost a fraction of that. a good quality tungsten carbide ring will set someone back around two hundred dollars. leading to massive savings, even in the long term -- as mentioned above, there is usually no need for a tungsten carbide ring to be maintained every few years. tungsten rings cannot be re-sized as in the case of rings made of other metals. so, if you put on weight or may be lose some, you cannot get your ring size adjusted. however, there are many jewelers who give a lifetime guarantee when they sell tungsten rings. due to this guarantee, you can get your ring replaced due to the problem of size, for free. hence, while making your purchase, ask questions regarding this to your jeweler.
product link: https://bit.ly/2pi7pfx this silver wedding band is made of genuine tungsten carbide. it is perfect for both men and women and suitable for all occasions, which can be used for various purposes, as a wedding ring, engagement ring, anniversary and valentine's day gift. the great workmanship on brushed matte surface and high polish smooth inner face, bring the wearer both the elegance and comfort. each of our rings has met our standards of high quality and they are paired up with the economical price we can offer. we respect people that know quality when they see it and that is why we offer the biggest bang for your buck. metal features: ① cobalt free ② safe and comfort ③ high hardness ④ scratch resistant ⑤ corrosion resistant ⑥ color retention ⑦ no deformation ⑧ masculinity occasions: promise, engagement, marriage, anniversary, daily wear, etc. a perfect gift for your lover or spouse with an elegant jewellery box. special service: free custom engraving. you can remember special days, meaningful handwriting, etc. by carving inside the ring. guarantee: friendly customer service and lifetime warranty covering any damage and size exchange.
new luxury tungsten rings, shop: http://www.americantungsten.com american tungsten is the leading tungsten ring website with hundreds of rings and modern designs to choose from. black, white, blue, silver, and more. we also have a wide selection of scratch resistant tungsten rings or him and for her. did you have a look at our men's wedding bands. they are stunning, aren't they?
this is how i designed and fabricated my friends wedding ring and i will custom hand craft you one too, just click on the link above.
hello! am britto we sell a range of fashion tungsten rings fulfilling your expectation. we have a wide collection of men's tungsten rings and tungsten wedding rings.thank you!tungsten rings are perfect for wedding bands or everyday style. we also offer unique durable and inexpensive tungsten wedding rings for men and woman with a lifetime warranty on every tungsten band.
http://blog.weddingbandsforboth.com/post/49446672067/the-pros-and-cons-of-tungsten-carbide-rings - top quality designer tungsten wedding bands for men & women on sale this week including free shipping. limited offer!
http://madtungsten.com.au/shop/fusion-rings-for-men/ this is some awesome silver tungsten carbide ring. we've taken a whole lot of silver tungsten carbide, a dash of brushed finish, some funky polished grooves, a bit of black ceramic and fused them all together, thus, we have the fusion tungsten rings for men. an 8mm wide band that weighs 15.5 grams, is indeed a gem of a ring.
buy here: http://evoratungstenrings.com/abrantes/ use coupon "youtube" to get 15% off your order! abrantes features possibly the most simple yet elegant design of tungsten ring that we carry. the coveted forever finish™ inside and out as well as a domed exterior make abrantes a great choice. backed by our no-hassle warranty, this ring will please for ages to come.
buying link: https://amzn.to/2giqirq charming jewelers presents with this classic brushed dome tungsten carbide band featuring with polished blue paling in a 2mm width. this luxurious blue paling ring is perfect to use for marriage or a dressy piece of upscale jewelry. we delicately create our unique rings in comfort fit, which provide comfortable and every day stylish wear. we carry all sizes including half sizes, for either women or men. we know you will love our sharp and elegant design so it makes a perfect choice for your ceremony and its unisex style will appeal to both the bride and groom.


text:
Strategic default ? opting to walk away from a mortgage you can afford ? isn’t a new phenomenon in the housing crisis. But with home values continuing to decline, more owners are finding themselves in a position where they may see it as a savvy business decision to destroy their credit rather than wait years for prices to recover.
Marty Likier is one who knows the mental hurdles that have to be crossed to make the decision.
Likier put almost 20 percent down to purchase a $312,000 townhouse in Westmont in 2006 and lived there until two years ago, when he remarried and bought a home in Chicago Ridge. For a year he rented the townhouse.
When a change in rules at the community meant Likier’s days as a landlord would end, he called his lender and asked if he could rework the loan, but he didn’t have enough equity left to refinance the $240,000 mortgage.
Likier, 55, took a long look at his finances and the combined monthly mortgage payments of more than $4,700 and decided last fall that the struggle wasn’t worth it.
He listed the townhouse for $249,000, figuring he would bring $20,000 to the closing table to facilitate a deal.
The listing has since dropped to $179,000, which is lower than the unit sold for when it was built in 1999. He stopped paying the mortgage in January and recently was served with foreclosure papers.
Despite the fact that he and his wife are employed and have an annual household income near $150,000, he’s comfortable with his decision.
“I did a lot of soul-searching about whether it was morally the right thing to do,” he said. “I felt there was no moral obligation to make a payment. The contract says it’s a financial obligation, not a moral obligation.
Earlier this month, CoreLogic reported that as of the end of March, home prices had declined for eight consecutive months, and more than 11 million borrowers nationally were underwater, which means they owe more on their mortgages than the home is worth. It’s difficult to predict just how many of those borrowers may opt for default, but FICO, the widely used credit scoring system, recently developed a formula to help lenders pinpoint borrowers who might default.
There is growing consumer sentiment that if there is little financial upside to staying in a home, voluntarily defaulting on the mortgage is a smart decision, not a moral shortcoming. In its most recent national consumer survey, Fannie Mae found that 27 percent of people think it’s acceptable to walk away from a mortgage if they face financial distress, twice as many as did a year ago.
Once accepting of the facts, it takes some time for people to rationalize the social and moral considerations of shirking their financial responsibilities and preparing for the legal and financial ramifications, Zingales said.
A recent study co-written by Zingales found a decrease in walkaways since December. He doesn’t think the improvement will last.
“Maybe they are paying the mortgage a little but when they’re seeing that prices aren’t recovering, they default,” Zingales said.
When a vacation condo in Panama City, Fla., became difficult to rent, Naperville, Ill., resident Philip Burdi tried to sell it for $90,000 ? far less than the $190,000 owed on the mortgage. His lender, doubting Burdi’s financial hardship, wouldn’t approve it.
Burdi stopped paying the two mortgages on the condo in March 2010 and is over the guilt, particularly after he tapped retirement savings to settle the second mortgage debt. He occasionally stays in the condo, and he lets friends and family stay there for free. He has yet to be served with foreclosure.
The decision to walk away carries long-lasting repercussions. A foreclosure strikes the same blow whether it was voluntary or involuntary, decreasing a credit score as much as 250 points, a drop that it may take an otherwise creditworthy consumer up to seven years to recoup.
That lower score will affect a consumer’s ability to access additional credit, whether it is credit cards, an automobile or rental housing. Landlords pull credit reports too. Auto insurance premiums also would increase. “We’re not sure that consumers understand the ramifications of it,” FICO’s Gaskin said.
Some do, though, and they’re taking steps beforehand to position themselves for the difficult years ahead. They’re making repairs to their cars and applying for extra credit cards because they won’t qualify after a foreclosure.
Margie Jones prepared for the fallout, getting her finances in order and making any big-ticket purchases. When she and her husband bought a home in El Paso, Texas, they put it in his name only.
The Chicago native endured multiple deployments to Iraq and Kosovo as an Army warrant officer overseeing motor pools. But she no longer can take the financial stress associated with a three-flat in Chicago’s Logan Square neighborhood, a home she still lists as her legal address, and a mortgage she took over from her mother more than five years ago.
Bought in 2002, the building where her mother and two renters live last appraised for less than half its purchase price. Efforts to refinance its two mortgages failed, and the first lien holder wouldn’t approve a loan modification because the lender views Jones, who is now stationed in El Paso, as an investor.
The last time she made a payment on the first mortgage was in February.

lowercased:
strategic default ? opting to walk away from a mortgage you can afford ? isn’t a new phenomenon in the housing crisis. but with home values continuing to decline, more owners are finding themselves in a position where they may see it as a savvy business decision to destroy their credit rather than wait years for prices to recover.
marty likier is one who knows the mental hurdles that have to be crossed to make the decision.
likier put almost 20 percent down to purchase a $312,000 townhouse in westmont in 2006 and lived there until two years ago, when he remarried and bought a home in chicago ridge. for a year he rented the townhouse.
when a change in rules at the community meant likier’s days as a landlord would end, he called his lender and asked if he could rework the loan, but he didn’t have enough equity left to refinance the $240,000 mortgage.
likier, 55, took a long look at his finances and the combined monthly mortgage payments of more than $4,700 and decided last fall that the struggle wasn’t worth it.
he listed the townhouse for $249,000, figuring he would bring $20,000 to the closing table to facilitate a deal.
the listing has since dropped to $179,000, which is lower than the unit sold for when it was built in 1999. he stopped paying the mortgage in january and recently was served with foreclosure papers.
despite the fact that he and his wife are employed and have an annual household income near $150,000, he’s comfortable with his decision.
“i did a lot of soul-searching about whether it was morally the right thing to do,” he said. “i felt there was no moral obligation to make a payment. the contract says it’s a financial obligation, not a moral obligation.
earlier this month, corelogic reported that as of the end of march, home prices had declined for eight consecutive months, and more than 11 million borrowers nationally were underwater, which means they owe more on their mortgages than the home is worth. it’s difficult to predict just how many of those borrowers may opt for default, but fico, the widely used credit scoring system, recently developed a formula to help lenders pinpoint borrowers who might default.
there is growing consumer sentiment that if there is little financial upside to staying in a home, voluntarily defaulting on the mortgage is a smart decision, not a moral shortcoming. in its most recent national consumer survey, fannie mae found that 27 percent of people think it’s acceptable to walk away from a mortgage if they face financial distress, twice as many as did a year ago.
once accepting of the facts, it takes some time for people to rationalize the social and moral considerations of shirking their financial responsibilities and preparing for the legal and financial ramifications, zingales said.
a recent study co-written by zingales found a decrease in walkaways since december. he doesn’t think the improvement will last.
“maybe they are paying the mortgage a little but when they’re seeing that prices aren’t recovering, they default,” zingales said.
when a vacation condo in panama city, fla., became difficult to rent, naperville, ill., resident philip burdi tried to sell it for $90,000 ? far less than the $190,000 owed on the mortgage. his lender, doubting burdi’s financial hardship, wouldn’t approve it.
burdi stopped paying the two mortgages on the condo in march 2010 and is over the guilt, particularly after he tapped retirement savings to settle the second mortgage debt. he occasionally stays in the condo, and he lets friends and family stay there for free. he has yet to be served with foreclosure.
the decision to walk away carries long-lasting repercussions. a foreclosure strikes the same blow whether it was voluntary or involuntary, decreasing a credit score as much as 250 points, a drop that it may take an otherwise creditworthy consumer up to seven years to recoup.
that lower score will affect a consumer’s ability to access additional credit, whether it is credit cards, an automobile or rental housing. landlords pull credit reports too. auto insurance premiums also would increase. “we’re not sure that consumers understand the ramifications of it,” fico’s gaskin said.
some do, though, and they’re taking steps beforehand to position themselves for the difficult years ahead. they’re making repairs to their cars and applying for extra credit cards because they won’t qualify after a foreclosure.
margie jones prepared for the fallout, getting her finances in order and making any big-ticket purchases. when she and her husband bought a home in el paso, texas, they put it in his name only.
the chicago native endured multiple deployments to iraq and kosovo as an army warrant officer overseeing motor pools. but she no longer can take the financial stress associated with a three-flat in chicago’s logan square neighborhood, a home she still lists as her legal address, and a mortgage she took over from her mother more than five years ago.
bought in 2002, the building where her mother and two renters live last appraised for less than half its purchase price. efforts to refinance its two mortgages failed, and the first lien holder wouldn’t approve a loan modification because the lender views jones, who is now stationed in el paso, as an investor.
the last time she made a payment on the first mortgage was in february.


text:
Who sees himself in the dream as a freak, dwells on in the awake life probably to a crooked thought which can mislead him. The envy from the picture of the freak often also speaks that other better stand there than we ourselves.
see: you cannot prevent the insidiousness of an enemy, - big hopes remain unfulfilled, - one is disappointed by a being close person painfully, the trust is abused, - defamation is in the circulation.
give birth: an expected disappointment will not enter.
see: confide in your destiny.

lowercased:
who sees himself in the dream as a freak, dwells on in the awake life probably to a crooked thought which can mislead him. the envy from the picture of the freak often also speaks that other better stand there than we ourselves.
see: you cannot prevent the insidiousness of an enemy, - big hopes remain unfulfilled, - one is disappointed by a being close person painfully, the trust is abused, - defamation is in the circulation.
give birth: an expected disappointment will not enter.
see: confide in your destiny.


text:
The announcement ""coworking space" "office space"" does not find available, invite you to visit the following similar announcements.
Multi utility office space for rent in the heart of the city agra.
We are the reputed real estate company. we provide commercial semi furnished office space.

lowercased:
the announcement ""coworking space" "office space"" does not find available, invite you to visit the following similar announcements.
multi utility office space for rent in the heart of the city agra.
we are the reputed real estate company. we provide commercial semi furnished office space.