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On the Stoke Central By-Election Candidates

nintchdbpict000285332230And so the finalised list of Stoke Central by-election candidates is out, and ten folks fancy their chances. And it’s a circus, albeit one not likely to produce much merriment. Who then are the lions and acrobats? Which of them is the clown?

Naturally, Gareth Snell has roared into action. Labour were all over the constituency from the very moment Tristram Hunt declared Trexit and, as I’ve observed before, the party has a formidable machine and a real weight in the constituency that will be tough for its opponents to crack. That hasn’t stopped people from outside the constituency who can’t find Stoke without the aid of Google Earth have tried explaining to me that the local party couldn’t have selected a less suitable candidate. Au contraire. Gareth has lived locally for 13 years, worked in a series of part-time, insecure jobs while a student, worked in a local MP’s office where he dealt with the full gamut of constituent concerns, has sat and currently is a borough councillor, organised low paid workers as an employee of a local Unison branch and, most topically, defeated UKIP in a council by-election this summer in a ward that voted 80/20 to leave the European Union.

His politics, while not Corbynist, are by any measure on the left. And during his too brief tenure as leader of Newcastle-under-Lyme Borough Council, he pushed through a no redundancies, no cuts to front line services budget despite government cuts to the local government grant while introducing the living wage (not the fake Tory rebranding of the minimum wage) to its lowest paid workers. It’s worth noting that subsequent Labour administrations have carried on in this vein. No cuts, no diminution of service, no redundancies. In the context of Tory austerity, that sounds like a record any Labour member would be proud of.

It seems the objections all centre around Gareth’s remain-ism and that he said rude things about Jeremy Corbyn on Twitter. Last thing first, while we all say daft things on social media in the heat of the moment there won’t be too many Stokies bringing up Guido’s “exposé” on the doorstep. Rather these have been all over his muckraking site and, surprise surprise, the Daily Express to generate social media interest in an attempt to suppress Labour support. This isn’t meant to offend their readership, but to ensure the bulk of the new membership have an entirely passive relationship with their party. Why, some would reason, should anyone from Momentum turn out to help in Stoke when the candidate is evidently not a Jeremy supporter? Guido and the Express aren’t interested in the truth, but they are interested in using anything to destroy the Labour Party as a going concern. It’s sad that this has to be explained to folks who should, by now, know better.

The second point is on remain vs leave. The bookies are offering slightly more favourable odds to UKIP based on the assumption that Stoke Central heavily voted for leave and we have a remainer candidate. And that’s where the analysis ends. But as noted previously, the record of all of last year indicates that if Brexit is a new political cleavage, an issue around which electoral fortunes turn, then it is a lopsided one. Leave voters have got their way. We’re leaving the EU. Some might moan about the pace of the departure, but it’s very much a minority pursuit. For most of them when it comes to politics, it’s back to the same old same old. If Brexit was blocked it would then be a different matter. Remain voters, however, are more motivated by this issue. For a variety of reasons, they – rightly – believe Leave conned, lied, and stirred up hate on its way to victory. And so when elections come round they are moved to make a point about it at the ballot box. That explains how the LibDems have come surging back in local council by-elections, won in Richmond, and confounded expectations in Witney. It’s how you can have bizarre results where the LibDems take a safe Labour seat in Brexit-supporting Sunderland. Had remain won, I have no doubt the terms would now be reversed. It would be UKIP enjoying another wind as the gust of defeat drives at its sails. And because of the song and dance UKIP are making about remain-supporting Gareth, they might be unwittingly helping Labour’s chances.

Yes, I am aware there are other candidates in this election, so let’s take a look. Jack Brereton won the Tory nomination to fight Stoke Central in a contest as foregone as any organised by the Zanu-PF. CCHQ are apparently pleading poverty and sinking all their resources into Copeland, but that doesn’t mean the Tories won’t wage a proper campaign. The Conservative group on the council are an ambitious bunch who fancy taking berths up in the Commons. For all sorts of reasons, a win is impossible but if they can take back second place and are seen to put UKIP back in their box, 2020 could make for an interesting time for them. The LibDems in Stoke are in a difficult place. I will give their man, Dr Zulfiqar Ali some credit. Rain or shine, he’s stood and he’s stood and he’s stood, be it as a no hope parliamentary candidate, or a no hope council candidate. However, with local students not terribly well disposed toward his party for their tuition fee betrayal, and past LibDem support bound up with local “personalities” who’ve either retired from politics or now sit as City Independents, where can their vote come from? The same can be said for Adam Colclough of the Greens. Formerly of Labour, he absented himself from the party after the 2010 factional farrago left us with Tristram. But where is their support? Some students, yes. Scraps of votes around the slightly more better off parts of the constituency, yes, but enough to win back their deposit?

Moving from the parties to the living dead, this by-election sees the unwelcome return of the BNP. David Furness (who?) was their London mayoral election candidate in 2015, and describes himself as a “practising member of the Church of England”. Because nothing advertises Christian values like the membership of a fascist organisation. While another opportunist carpetbagger, Furness’s candidacy underlines the weakness of the local BNP. In fact, they have almost no discernible existence. Since we last took a look at Stoke BNP a few years ago, we found them a sad bunch sat in awkward silence over identical McDonald’s Happy Meals. I am pleased to report the necrosis has continued apace. Their remaining activists have either dropped out of politics, or followed their local “brains”, Mike Coleman, into the Albion First groupuscule/Facebook page. Yet for Stokies who did vote BNP up until 2010, the eclipse and tumultuous disintegration of the party since won’t have registered. There will be some who rock up at the polling booth, spot the BNP on the ballot, and place their cross there as opposed to UKIP.

In the independent corner, we have two to choose from. Neither of which are associated with our friends the City Independents, of course. Mohammed Akram is a solicitor who has a history in local Muslim welfare organisations. And Barbara Fielding hails from Blythe Bridge on the city’s outskirts. Quite why they’re standing and what they hope to achieve is a complete mystery – something I often wonder about when independents contest parliamentary by-elections.

I’ll pass over the Monster Raving Loonies (I await the inevitable “gags” in the comments box, below) and Christian People’s Alliance, and head straight to Paul Nuttall. We’ve talked about him before, and he’s given me more reasons to speak ill of him again. Consider this. If you are clever, if you claim “to have a PhD”, if you are the leader of a political party and the media spotlight is on you, would you commit a violation of electoral law by declaring a house you’ve never been to in the constituency as your home, and then admit to it on national telly afterwards? He’s been caught telling porkies, just like his time wearing the Tranmere Rovers’ jersey and “being there” at Hillsborough. Here we have an incredibly brittle man whose national profile is entirely thanks to Nigel Farage. He knows he has no discernible qualities, which is why he has to make them up. And, I have to say, lying so much about his own biography easily lends himself to telling lies about immigration, about the NHS, about Brexit. And there’s the small matter of being under investigation for office expenses fraud as well. Nuttall is a spiv, a fake, a lazy arsed mediocrity whose sole concern is to use politics to feather his bed. He doesn’t care about Stoke, its problems, its people. The prize is another £75,000/annum and a few more years as Someone Who Matters, and he’s quite prepared to wade in the sewer to get it.

And so the choice is pretty obvious. It’s between stopping UKIP and their poisonous politics here, in Stoke, and throwing them into a reverse from which they may never recover. Or having them emerge victorious with all the terrible consequences for our politics that entails. It’s between a union man who champions working people, and a lying wastrel who can’t wait to sponge off the taxes of those selfsame workers. Are you in to stop this shit in its tracks?

  1. John Penney says:

    If only your fantasy world had any relation to the truth , Phil B-C. The rabid Labour Right Winger, Snell is now rebadged and reborn as a working class militant socialist hero! I suggest anyone who wants to see what his Newcastle Under Lyme Labour Council has really been up to, as yet another Labour facilitator of the Austerity Offensive, that they simply Google “Newcastle Under Lyme Council Cuts”. A very different reality will then emerge to the fantasy nonsense Phil is serving up.

    Self-delusion, and bullshit, and denial of the cronyist Austerity implementing nature and role of local Labour Councils, is a very dangerous habit to acquire in politics, Phil. It is what destroyed Labour, after 30 years of the same arrogance, in Scotland.

    All of us on the genuine Left can only hope that Nuttall fails to win Stoke Central, even if this just places yet another anti-Corbyn Right Winger in the PLP, – and via getting less votes than Labour, not an administrative glitch over his address.

    But deliberately choosing a candidate who is rabidly anti-Brexit (in STOKE!), rabidly anti-Corbyn, and deeply implicated as Council Leader in the well-documented vicious cuts regime carried out by his former Newcastle Under Lyme Council, was NOT the way to turn Labour’s chances around in Stoke Central.

    1. Sue says:

      :0( this is very disturbing. To combat UKIP we definitely need a very clear anti austerity stance. We also need MPs who are socialist and prepared to take the tough decisions to reduce inequality such as taxing the rich etc

  2. David Pavett says:

    The choice has been made by Stoke Central LP so, for the moment, the important thing is to retain the seat. This doesn’t require us to believe the unbelievable but it probably does require us to tone down the critical rhetoric aimed at the Labour candidate which has no useful function in the lead up to the vote. John P says “All of us on the genuine Left can only hope that Nuttall fails to win Stoke Central”. I think we should just hold that thought until the election.

    1. Ed says:

      (Try again). Absolutely right. Would have preferred a more pro Jez candidate but priority is as you state. Did google Newcastle Under Lyme Council cuts but frankly there did not seem to be many and what there were , were often Tory Staffs County Council’s cuts. If this post is excised would you have the decency, Messrs Left Futures, kindly to explain why.

  3. Patrick McGrath says:

    Fingers crossed – He’s a Stoke man with peoples needs running through his veins and the Stoke electorate will forgive him his remain ideology. His statement on Corbyn was a sectarian disgrace though and the narrative used on Brexit missed the reasons why people on the left voted for structural change in their choice of voting to Leave the EU. Poor Judgment may not save the seat and the fact he can sway the CLP does not mean he holds the electorates favour.

  4. ed says:

    Absolutely right David. (I googled Newcastle Under Lyme Council cuts but didn’t find all that many and most of those were the Tory County Council’s doing). Yes I’d rather see a clearly Jez supporting candidate but I have difficulty quarelling with Snell’s currently stated position. Priority is as David says.

  5. Historyintime says:

    Gareth Snell said on twitter a while ago he was ‘traditional right wing labour’ ie Labour First.

  6. Gary Elsby says:

    This election has two people on the voting paper:
    1. His party tells the truth, has consistently paraded that truth and goes into this election still saying that truth and has not veered from it in the slightest.
    2. A former Labour member of Stoke Central’s GMC Executive who walked out when his ballot paper was discounted, the ballot re-taken and won by a person whose anti-Semitism made Herr Hitler blush (Don’t you just love the NEC and its ‘Mummy knows best’ sub-committees structure?) I rate this guy 100% as being upstanding, trustworthy and loyal to the core.

    We are then left with Labour’s choice who describes Jeremy as: ‘ An IRA and Hamas terrorist sympathiser’ (ITV, BBC, CH4, CH5, local TV, local radio and every International news station on the planet, including the International space station.
    A Labour CLP who gives 80% support for Jeremy as Leader wishes to send him to London showing how mature the party is now!
    (It gets better)
    Leaflets are now coming thick and fast.
    3 from the Tories (Jack Brereton) and 1 of those by Theresa May, who is the only one prepared to deliver BREXIT and the best BREXIT at that.
    I have been on 2 ballot papers with Jack on it.
    His work rate is the best I have ever seen from the Tories. He appears to be the golden one and his side-kick will out-perform any others with their strategy.
    The Liberals have excelled themselves up to date and set out their stall in a very colourful way and simplistically put.
    Labour have also knocked a leaflet up.
    The candidate is ‘glad that no money is going to the EU anymore’, is a local lad (200 miles away) and knows, lives and breathes all things Potteries (note, Potteries and not Stoke-on-Trent- big clue). Very similar to Tristram’s favourite beer (made in Stoke), his favourite football team (Stoke City) and his favourite subject, pottery (funny enough, that’s made in Stoke as well).Tristram will ‘never forget Stoke and will retain all links’ now he’s f***** off.

    Anyone who thinks UKip are done had better have another think. I was in a pub a few days ago, well known to me, and of the 50 people in there, 49 are voting Ukip, just as they voted to Leave the EU.
    The formidable party machine that Phil writes of is approximately 25% of that we had under Kinnock or Blair, even though Jeremy has gone some way to correct the decline.
    This City booted out the Labour Group due to its austerity collapse and offering a white flag on day one.
    The Labour party membership offered no open criticism as our City suffers up to now, a £120 million cut, even though Jack Brereton is now doing the honours.

    1. James Martin says:

      Thank you so much Gary, it is good to have a local working class antidote to what often comes across as out of touch academic wishful thinking. I hope I’m wrong, but as soon as I found out that the CLP had put someone with the politics and history of Snell up to take on the ukips who have a real chance here then I honestly put my head in my hands and said to myself that we’re completely stuffed. If I am wrong then great, I will be the first to admit the fact, but if Nasty Nuttalls wins due to this then both the NEC shortlisting committee and those that voted in that CLP meeting will have a lot of questions to answer, although hopefully not via that academic who will have given up any right to post on a left forum given the apparent nonsense spouted so far.

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Dorothy J. Lauman

Lauman, Dorothy J.

passed away on May 7, 2020 from Covid-19, at the age of 96. Beloved wife of the late Clarence 'Pete' Lauman; loving mother of Tom (Margie), Don (Donna) and the late Bob (Jill) Lauman. Services: A Celebration of Life Memorial Mass will be held on Saturday, August 29, 2020 at 10:00 a.m. at Epiphany of Our Lord Catholic Church.

To plant trees in memory, please visit our Sympathy Store.
Published by St. Louis Post-Dispatch on Aug. 23, 2020.
Mass of Christian Burial
Epiphany of Our Lord Catholic Church
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Hoffmeister Colonial Mortuary
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Mrs. Lauman, as we knew her, was very active in Epiphany Grade School. As a young child we looked up to her and saw her often, even directing our drum and bugle core marching down Ivanhoe Avenue. I knew the family well and Bob was a good friend. Lives lived so well were a blessing for many.
Rich Hollowood
August 28, 2020
My condolences to you Tom & Margie & Family. Mrs. Lauman was so active in her life and lived it to the fullest! She’s with your Dad & Brother now - probably making our Dishcloths, which I have a few left!! Prayers to all of the Family. Faithful Servant Come Home.
Susan Layton
August 26, 2020
Dorothy was a wonderful woman who had a profound impact on my life. She was my first piano teacher and my introduction to music. My thanks to her for enriching my life and, subsequently, those of my children and grandchildren. Piano lessons through eighth grade were a requirement for all of them. And remember those Epiphany Toppers? She worked so hard to get us to march and play at the same time. May you be blessed with good memories.
Susan Farrell Hennig
August 23, 2020

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• Maya Haran Rosen and Orly Sade

Does Financial Regulation Unintentionally Ignore Less Privileged Populations?

In recent decades, financial regulation around the globe has transferred responsibilities from governments and employers to individuals. To help in the decision making process, regulators emphasize transparency and disclosure, with the aim that individuals will use this available information rationally and in their best interest. In addition, technological advancements have enabled regulators to use digital media and websites as platforms for promoting different initiatives. These platforms are supposed to promote direct interaction and provide information in a timely manner while bypassing intermediaries. However, this transfer of responsibilities to the public, combined with the increased use of technology by the regulators, has been criticized. The fear is that the regulation can be unsuccessful if people do not respond as intended, or if people are not equally exposed to it.

In our recent paper; "Does Financial Regulation Unintentionally Ignore Less Privileged Populations? The Investigation of a Regulatory Fintech Advancement, Objective and Subjective Financial Literacy", we try to answer the question of whether once a regulatory fintech advancement is introduced, whether all individuals receive the needed information and whether they act upon it, using an Israeli regulation as a case study.

In 2013 the Israeli regulator reached out to the population, recommending the use of a website to help individuals find inactive retirement savings accounts and close them (withdraw the savings or transfer them to active accounts). A year after that, a second campaign in the form of a tax exemption on savings withdrawn from small inactive accounts in provident funds was launched. Its aim was to encourage individuals to close small inactive accounts, thus avoiding new minimum management fees that would gradually exhaust the savings. The importance of the campaign and the need to close the accounts at the given fixed minimum management fee can be illustrated by the following example: with this fee an inactive account of 100 USD with a 6% annual return rate will completely exhaust itself in approximately 6 years. The first campaign targeted the general population and was publicized in prime-time advertisements in television, radio, and the Internet. The second campaign, regarding the tax exemption, was not as broad but still used wide media.

The government’s efforts did not result in the closure of most of the inactive accounts and by end of the second campaign, only 15 percent of the eligible accounts for tax exemption had been closed. Proprietary data indicate that those who closed the inactive accounts have a higher socioeconomic index and live in central locations. Survey data indicate that those who lacked financial literacy and confidence in their financial knowledge were less likely to be aware of the campaigns and take financial actions. From this we conclude that the current policy of informing the public about regulatory changes via the mass media and the use of a website does not reach all the population equally.

Using a controlled field experiment, that investigated the effectiveness of different communication methods on the awareness and actions of an underprivileged population, we demonstrate that more personal (and detailed) digital interventions and interventions that include a human touch can be more effective. Transfer of financial information using these interventions can increase the awareness and activeness of underprivileged populations. For example, face-to-face explanations and e-mails that include a video presentation by a person are effective ways to relay financial information to the public that can be easily and widely used in future consumer financial regulations.

Maya Haran Rosen, Bank of Israel

Orly Sade, Hebrew University

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Automated Justice and Fairness in the PRC

Straton Papagianneas - Leiden University -- In 2017, the People’s Republic of China (PRC) opened its first internet court in Hangzhou, tasked with resolving e-commerce related disputes. The Hangzhou I

Copyright © 2018 All Rights Reserved. Faculty of Law, The Chinese University of Hong Kong

The Chinese University of Hong Kong


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Global Bitcoin Markets and Local Regulations

Cyn-Young Park, Asian Development Bank;

Shu (Grace) Tian, Asian Development Bank;

Bo Zhao, Asian Development Bank

-- Bitcoin prices have soared on inflation fears as global central banks eased monetary policy to fight against COVID-19. Like gold, Bitcoin attracted investors who seek safe havens while traditional financial assets suffer from the prospect of weaker economic growth and monetary easing that will lead to higher inflation. But unlike gold, Bitcoin—designed as a decentralized digital currency to offer an alternative to a state-controlled currency subject to deteriorating national budget and central bank monetary policy uncertainty—offers additional allure to be particularly relevant to the coming of age of digital currency and fintech applications ushered in by the COVID-19 pandemic.

Since the launch of Bitcoin in 2009, however, significant volatility and speculation in the cryptocurrency market have raised concerns over investor protection and financial stability. The volatile prices of many cryptocurrencies have sparked considerable attention among investors, policy makers, and researchers over its asset nature and trading behaviors. Many national authorities and regulatory agencies have started to regulate the local Bitcoin market through either policy communication or direct intervention. Meanwhile, there is an emerging debate on whether regulators should intervene and, if so, what approaches would be appropriate given a major tradeoff between protecting investors and encouraging financial innovation.

While the same Bitcoin is traded globally, Bitcoin prices in local markets vary across different markets, driven by market frictions such as local market structure, trading infrastructure, information asymmetry, transaction costs, and so on (Figure 1). Such market frictions can limit arbitrage opportunities across different markets, causing market segmentation, where each market forms its respective pricing dynamics subject to local market demand and supply.

Bitcoin Prices in Six Major Markets

cny = yuan, eur = euro, gbp = British pound, krw = Korean won, jpy = Japanese yen, usd = US dollar.

Source: Park, Tian, and Zhao (2020).

In the global Bitcoin market, since cryptocurrency supplies are tightly controlled in the short run, day-to-day price variation of cryptocurrencies is mainly driven by changes in local market demand and trading conditions for cryptocurrency. When an individual market introduces a regulation or signals an authority stance, local trading activities may be affected, and local price dynamics could be influenced.

Our recent Asian Development Bank Economics Working Paper “Global Bitcoin Markets and Local Regulations” explores how bitcoin prices and trading activities were affected by local regulations. We find that the impact of local regulations on Bitcoin prices is very short-lived, only on the announcement day and the day after the announcement. However, local regulations seem to have a lasting repressive impact on trading in the local market as local trading volume continued to decline over a longer period after the regulation announcement.

As investors in Bitcoins need to move across markets to trade, financial openness of a local market matters for the investors. Our paper further finds that financial market openness can mitigate the repressive impact of local regulation, especially on Bitcoin trading activities. This may be because investors in a relatively free and open market tend to face lower trading barriers to make investment internationally.

The study supports the view that it is challenging for national authorities alone to effectively regulate the highly speculative trading activities and prices in the global Bitcoin market. Instead, local regulations may drive the speculators out of the local market and move their funds to invest in other markets. International and regional regulatory cooperation would be essential to better foster the healthy development of the cryptocurrency market, safeguard financial stability and protect investors.

Disclaimer: The views expressed in this blog are those of the authors and do not necessarily represent the views and policies of the Asian Development Bank or its Board of Governors or the governments they represent.

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Straton Papagianneas - Leiden University -- In 2017, the People’s Republic of China (PRC) opened its first internet court in Hangzhou, tasked with resolving e-commerce related disputes. The Hangzhou I

Copyright © 2018 All Rights Reserved. Faculty of Law, The Chinese University of Hong Kong

The Chinese University of Hong Kong


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Search Acumen comments on MHCLG Q4 Planning Application Statistics

Search AcumenAndy Sommerville, Director at Search Acumen, comments:

“At the time, Q4 2019 felt particularly turbulent – with the prospect of a no deal Brexit and a pre-Christmas election purdah – but it now pales in comparison to the current UK lockdown.

“It is still important to recognise the underlying trends that are holding back the planning application process. Applications take far too long to process, with legacy technology and paper records rendering the due diligence process confusing and incomplete. The premium placed on urban land further compounds these pain points in the planning process.

“We echo the sentiments of the culture and digital minister Caroline Dinenage that harnessing technology and innovation is the best way to get ahead during this time of uncertainty – enabling us to look forward to building with confidence once the current shadows pass.”

Associate News is provided by Legal Futures Associates.
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YSU-LEIMUN High School Conference

YSU-LEIMUN High School Conference

March-April, 2021

Youngstown State University in Youngstown, Ohio

As Secretary General of the 2020 YSU-LEIMUN High School Conference, I would like to welcome you to this year’s conference. Just last year, I joined the Youngstown State Model United Nations team as a freshman and over the past two years this organization has given me countless opportunities for which I’m extremely grateful.

Model United Nations is an organization where you will learn public speaking and writing skills. You will gain insight into other people’s cultures and perspectives on the world that will allow you to empathize with vastly different people. You will gain knowledge of complex international situations, diplomacy, and geo-political knowledge of areas of the world that large parts of the adult population don’t even know exist. Empathy and knowledge are extremely important as Malala Yousafzai points out in saying, “I truly believe the only way we can create global peace is through not only educating our minds but our hearts and our souls”.In order to accomplish Malala’s vision of world peace, one last skill MUN will teach you is cooperation. As you will see there are many opposing values in the world, however there must be compromise and sacrifices made in order to satisfy the heart and soul for the sake of humanity. Collaboration is, in my opinion, the most important skill, because despite differing views you can still accomplish something amazing.

As the conference begins, I would like you to keep in mind the four main goals of the 1951 UN Charter: maintaining worldwide peace and security, developing relations among nations, fostering cooperation between nations in order to solve economic, social, cultural, or humanitarian international problems, and providing a forum for bringing countries together to meet the UN’s purposes and goals. Through these goals you can turn your committee’s from a conglomerate of nations into the United Nations.

I’d like to thank you all for taking the initiative to be here and wish you the best of luck.

Carson Robert Markley

2020 Secretary-General

If you have any questions, comments, concerns, or need assistance in any way, please feel free to contact ceo@leimun.com or registration@leimun.com.


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CFPB Releases Status Update Regarding Fall 2016 Rulemaking Agenda

Thumbnail for 1394On December 2, 2016, the Consumer Financial Protection Bureau (CFPB) released a status update regarding various initiatives that were proposed in its fall 2016 rulemaking agenda.  The update provides readers with an overview of the CFPB’s proposals and observes that comments submitted in connection with a number of the proposals are currently under review. The following is a list of developments reported by the CFPB that industry participants may want to keep an eye on.  These include “rulemaking actions in pre-rule, proposed rule, final rule, long-term, and completed stages.”

  • Know Before You Owe ClarificationsOn July 29, 2016, the CFPB “released a Notice of Proposed Rulemaking to make small clarifications and provide further guidance that will facilitate implementation of its Know Before You Owe mortgage rule.”  Among other goals, the proposed update was designed to encourage lenders to make housing assistance loans by ensuring that more such loans qualified for a partial exemption from the rule’s disclosure requirements.  The original rule was implemented in 2015 and was designed to, inter alia, streamline federal disclosures that consumers receive when securing mortgage loans.  At this time, the CFPB reports that it is in the process of reviewing comments regarding these proposals.
  • Increasing Mortgage Reporting Requirements.  The CFPB is currently working to facilitate implementation of new mortgage reporting requirements under the Home Mortgage Disclosure Act (HMDA).  These new requirements include the obligation of lenders to report additional information regarding loans, including “property value, the term of the loan, and the duration of any teaser or introductory interest rates.”  In addition, “financial institutions will be required to provide more information about mortgage loan underwriting and pricing, such as an applicant’s debt-to-income ratio, the interest rate of the loan, and the discount points charged for the loan.”  To this end, the CFPB reports that it is conducting outreach within the industry to prepare for the impending changes—some of which take effect in January 2017, but most of which will not take effect until January 2018.
  • Expanding CFPB Authority Over Nonbank Entities.  The CFPB plans to continue “rulemaking activities that will further establish [its] nonbank supervisory authority” over certain “larger participants” of the consumer financial products and services markets.  Industry members can expect that the next such rulemaking will focus on the markets for consumer installment and vehicle title loans. In addition, the CFPB is also considering registration requirements for these or other non-depository lenders.
  • Eliminating Mandatory Arbitration Clauses.  On May 5, 2016, the CFPB issued a Notice of Proposed Rulemaking “concerning the use of arbitration clauses in consumer financial agreements.”  Specifically, the CFPB proposed a ban on mandatory arbitration clauses, which was meant to address “concerns that arbitration clauses are being used to prevent groups of consumers from joining together to seek effective relief from wrongdoing by financial companies.”  At this time, the CFPB reports that it is in the process of reviewing comments regarding this proposal.
  • Reducing Consumer Debt Traps. On June 2, 2016, the CFPB released a Notice of Proposed Rulemaking “to address consumer harms from practices related to payday loans, vehicle title loans, and other similar credit products”—which the CFPB observed may become “debt traps” for consumers.  Among the CFPB’s proposals include the requirement that lenders “take steps to make sure consumers have the ability to repay their loans.”  At this time, the CFPB reports that it is in the process of reviewing comments regarding these proposals.  For a summary of the CFPB’s findings on default patterns for single-payment vehicle title loans, see our previous blog post here.
  • Addressing Debt Collection.  Finally, the CFPB is currently “engaged in developing proposed rules to regulate debt collection practices.”  The CFPB reports that the “federal government for many years has received more consumer complaints about debt collectors than about any other single industry.”  The agency reports that it has “been analyzing the results of a survey to obtain information from consumers about their experiences with debt collection and plans to publish a report on the survey in coming months.”

LenderLaw Watch will continue to monitor and report on these rulemaking initiatives as they develop.


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Views - New Construction - Master on Main
616 Montopolis Drive Austin, TX
$ 649,000
Property Attributes
  • MLS#6278318
  • TypeSingle Family
  • CountyTRAVIS
  • CityAustin
  • Area9
  • NeighborhoodMontopolis
  • Zip78741
  • StyleSingleFamilyResidence
  • Year Built2020
  • Taxes578
  • Price$ 649,000
  • Bedrooms3
  • Full Bathrooms2
  • Half Bathrooms0
  • Sqr Footage1970
  • Lot Size3,049 SqFt
Listing Provided Courtesy Of:
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Property Description

This is a new construction home built by DPG Uphill LLC. architects design Fazio. Modern contemporary designs with new appliances throughout. This is a two story home with a one car garage. See photos and floor plan to be uploaded soon.

Elementary School Middle School High School
Allison Elementary School Martin Middle School Garza Indep High School
Price History
12/1/2020 Listed $649,000

General Features

Accessibility None
Appliances BuiltInRange, Dishwasher, ExhaustFan, Microwave, Oven, Refrigerator, TanklessWaterHeater
Association Fee Includes SeeRemarks
Association Y/N No
Attached Garage Yes
Community Features Curbs, StreetLights, Sidewalks
Elementary School Allison
Energy Efficient Insulation
Exterior Features SeeRemarks
Flooring Concrete, Tile
Garage Spaces 1.0
Heating Central, NaturalGas
High School Garza Indep
High School District Austin ISD
Interior Features DoubleVanity, HighCeilings, MainLevelMaster, OpenFloorplan, SeeRemarks, WalkInClosets
Levels Two
MLS Area 9
Middle/Junior High School Martin
New Construction Yes
Parking Features Attached, Concrete, Driveway, Garage
Pool Features None
Private Pool No
Property SubType SingleFamilyResidence
Property Type Residential
Roof Composition, Shingle
Sewer PublicSewer
Special Listing Conditions Standard
Terms Cash, Conventional, FHA, LenderApproval, VALoan
View Neighborhood
Waterfront Features None

Interior Features

Air Conditioning Y/N Yes
Full Baths 2
Laundry Features WasherHookup, ElectricDryerHookup
Living Area 1970.0
Main Level Bedrooms 1

Exterior Features

Covered Spaces 1.0
Fencing BackYard, Fenced, FrontYard, SeeRemarks, Wood
Foundation Details SeeRemarks
Horse Y/N No
Lot Features BackYard, CornerLot, FrontYard
Lot Size Acres 0.07
Lot Size Area 0.07
Water Source Public
Waterfront Y/N No

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Master On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Property vs Zip Code Average in 78741

AVG $800K
AVG $5,384
AVG 28
Year Built
AVG 1972
AVG 49
Data Provided by Walkscore ® not using MLS data

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Your Child’s First Visit to a Le Sueur Dentist

When should your child first see a Le Sueur dentist? Expert Le Sueur dentists say the ideal time is six months after the first tooth erupts.

At this time, the dentist can provide or recommend information on baby bottle tooth decay, infant feeding practices, mouth cleaning, teething, pacifier habits, and finger-sucking habits.

Prepare your child

If possible, schedule morning appointments with a Le Sueur dentist, when young children are alert and fresh.

Prepare a preschooler or older child for the visit by giving him or her a general idea of what to expect. Explain why it is important to go to the dentist. Build excitement and understanding.

Prepare yourself

Discuss your questions and concerns with the dentist before the exam. Remember that your interpretations and expectations toward dental visits can be quite different from your child’s. Be honest with your view of the dentist. If you have dental anxieties, be careful not to relate those fears or dislikes to the child. Parents need to provide moral support by staying calm while in the dental exam room. Children can pick up parents’ anxieties and become anxious themselves.

Prepare the dentist

At the first visit, provide your Le Sueur dentist with your child’s complete medical history. For a restoration visit, such as getting a cavity filled, tell the dentist if your child exhibits stubborn, defiant, hysterical, or fearful traits in other life experiences.

Analyze your child’s reactions. Many parents are able to anticipate their child’s possible response to certain situations and should inform the dentist. Certain behavior traits may be linked to the age of your child:

  • 10 to 24 months.Some securely attached children may experience developmental separation and become upset when taken from their parents for an exam.
  • 2 to 3 years.A securely attached child may be able to cope with a brief separation from parents. In a 2-year-old, “no” may be a common response.
  • 3 years. Three-year-olds should not be expected to accept separation from their parents for restoration treatment procedures, such as getting a cavity filled. This is because most 3-year-olds are not socially mature enough to separate from parents.
  • 4 years.Most children should be able to sit separately from parents for exams and treatment procedures.

The first visit

Most initial office visits are to help acquaint the child with the dentist. The first dental visit is recommended at 6 to 12 months of age, or after several baby teeth have erupted. The first visit usually lasts 30 to 45 minutes and may include the following, depending on the age: a thorough examination of the teeth, jaws, bite, gums, and oral tissues to monitor growth and development, and, if needed, a gentle cleaning, which includes polishing teeth and removing any plaque, tartar and stains. The dentist may demonstrate proper home cleaning, including flossing, and assess the need for fluoride. Because baby teeth fall out, X-rays aren’t usually recommended for diagnosing decay. X-rays are used to see if the root of a jammed baby tooth may be affecting an adult tooth. In general, it is best not to use X-rays in young children unless absolutely necessary.

The second visit

Like adults, children should see the dentist every six months. Some dentists may schedule more frequent visits, every three months, to build comfort and confidence in the child, or to monitor a development problem.


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Want to learn the basic techniques of using Chalk Paint™ by Annie Sloan in a fun and relaxed environment? Then our workshops are for you!

All workshops are held at The Levee Art Gallery in Maitland, where the full range of Chalk Paint™ products are available.

Payment in full is required to secure your place.


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“It’s incredibly helpful and inspiring to have a partner in Lewis who gets it and can adjust pace—sometimes by day. Thank you for your flexibility—that’s what makes YOU competitive!” - Mary Beth Lennon, President, Mercy High School

Building Information Modeling (BIM) is an intelligent 3D model-based process that gives architecture, engineering, and construction (AEC) professionals the insight and tools to more efficiently plan, design, construct, and manage buildings and infrastructure. Every detail of a building is modeled in BIM. The model can be used for analysis to explore design options and to create visualizations that help stakeholders understand what the building will look like before it’s built. The model is then used to generate the design documentation for construction.

We are on the forefront of BIM integration with our clients, so that we can jointly identify and help circumvent potential problems early in the construction process. And with our extensive use of Mobile Management Software in the field, we actively work with our teams to ensure projects are progressing accurately in real time.


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Kickoff: 23/01 15:00
English Football League - League Two
Leyton Orient
Leyton Orient
Forest Green Rovers
Forest Green Rovers

access_time 12 months ago

The O’s are uniting with football clubs across the country to kick off the biggest ever conversation on mental health.

Over the past two seasons, the EFL has joined forces with Mind, the mental health charity, to help improve football’s approach to mental health and raise awareness around the country

Now, for two weekends in February, every football team from across the Premier League, English Football League, The National League, The Barclays FA Women’s Super League, The FA Women’s Championship and The FA Women’s National League will dedicate their matches to Heads Up, a partnership between The FA and Heads Together.

Spearheaded by HRH The Duke of Cambridge, Heads Up aims to harness the influence and popularity of football to normalise the conversation around mental health.

The Heads Up Weekends will highlight the power of talking as a way to support one another and dispel the stigma, with activity planned at fixtures across the men’s and women’s football calendar.

On Saturday, Leyton Orient will join clubs across the nation to display the Heads Up emblem across stadiums, programmes and player kit, in a major unifying moment that aims to get the nation talking about mental health.

As part of the Heads Up Weekend, Orient players will wear Heads Up t-shirts in their pre match warm up.

With over 15 million football fans in England, Heads Up aims to use the power of football as a way to show the nation that we all have mental health and it is just as important as physical health. Over the Heads Up Weekends, the aim is to reach every single football fan to raise awareness that we will all face ups and downs in life which will affect our mental health, but we can all do more to support each other – and that starts with talking.

The weekend will further highlight the important work taking place across football to improve the approach to mental health in football. This includes the EFL and Mind’s ground-breaking charity partnership, which began in 2018 and has provided increased visibility, important training and support for Clubs, staff and fans, and raised vital funds for the mental health charity.

The simple power of conversation – talking and listening – can be the first step to better mental health, and to making it OK to say we’re not OK.

Chief Executive Danny Macklin said: “As a Club we are very committed to playing a leading role in raising awareness of mental health and the impact it has on individuals, families and the community at large. We very much hope that this weekend proves to be another catalyst in encouraging people to discuss their mental well bing, in a more open manner.”

EFL Chairman Rick Parry, said: “Through our ground-breaking partnership with Mind, the EFL and its Clubs have worked hard to improve the approach to mental health in football and wider society, over the past two seasons.

Football provides a platform like no other to raise awareness and tackle society’s biggest issues and we’re proud to offer our support to the Heads Up campaign, as football comes together to further encourage the conversation around mental health. I look forward to seeing the impact over the two weekends.”

Whether you or someone you know is struggling, or if you want to help dispel the stigma, kick off a conversation about mental health this weekend.

Join the conversation using #KickOffAConversation and #HeadsUp.

Find out more and get tips from Heads Up’s charity partners (Mind, CALM, Sporting Chance and Heads Together) – visit

Those wanting immediate support can also text ‘HeadsUp’ to 85258 to connect with a trained crisis volunteer – a service run by ‘Shout’ and powered by Crisis Text Line, which is available 24/7 and free to text from most mobile networks.

For further advice and support please visit To learn more about the EFL’s partnership with Mind, please visit:

Title Partners
Gold Partners


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Homelessness applications

This fact sheet is aimed primarily at people who are, or may become, homeless and may be considering making a complaint to the Ombudsman.

I am homeless or will become homeless soon and the council is not dealing with my application properly. Can the Ombudsman help me?

Yes in some circumstances. We can consider your complaint if you have told a council you are homeless or threatened with homelessness, and you think it has made a mistake in dealing with your application and this is the reason you have not found alternative accommodation, or it has caused you other problems.

We cannot overturn a decision made by a council on your homelessness application. For example, if the council has written to tell you that you are not homeless, or not in a priority need group, and it has no duty to find you somewhere to live, we would usually expect you to use the review and appeal procedure to challenge that decision.

We would also expect you to use the review and appeal procedure for certain decisions including:

  • the council's decision to bring its prevention or relief duty to an end
  • the council's decision you have deliberately and unreasonably refused to co-operate
  • the steps the council will take to help you, which itlists in your personalised housing plan

How do I complain?

You should normally complain to the council first. Councils often have more than one stage in their complaints procedure and you will usually have to complete all stages before we will look at your complaint.

Then, if you are unhappy with the outcome, or the council is taking too long to look into the matter – we think 12 weeks is reasonable – you can complain to us.

You should normally make your complaint to us within 12 months of realising that the council has done something wrong.

For more information on how to complain, visit our contact us page or complete an online complaint form.

It is important that we can keep in contact if you have no permanent address and you move around. If you give us a mobile telephone number or email address that will make it much easier for us to keep in touch with you.

If you consider my complaint what will the Ombudsman look for?

We have to decide whether the council has done something wrong in the way it handled your application and whether this has caused you a problem. Some of the issues we can look at are if the council:

  • does not let you make a homelessness application or fails to recognise that your request should be treated as a homelessness application
  • fails to make proper enquiries or makes unreasonable requests for you to provide evidence before it agrees to look at your application
  • does not ask Children's Services to help assess your needs if you are 16 or 17 years old and you make a homelessness application
  • breached the law that says the maximum time a family with children can stay in bed and breakfast accommodation with shared facilities is six weeks
  • does not give you information and advice on things such as preventing homelessness, your rights and the council's duties, and what help is available
  • does not agree a personalised housing plan with you, or does not review that plan when things change
  • does not provide support to prevent you becoming homeless when you are threatened with homelessness, or to help you find accommodation if you are already homeless
  • takes far too long to deal with your application and reach a decision
  • wrongly closes your application or treats it as having been withdrawn
  • fails to provide you with interim accommodation while it makes enquiries, if it has reason to believe you may be homeless and in priority need
  • places you in unsuitable interim accommodation while it makes enquiries into your application, or fails to deal with repair problems in your temporary accommodation
  • loses, damages or destroys your personal belongings while they are in storage or fails to help you protect your possessions, and
  • fails to give you a written decision on your application and does not tell you about your legal right to ask for a review or an appeal.

What happens if the Ombudsman finds the council was at fault?

If we find that the council did something wrong in the way it handled your application, and that you were affected by this, we will ask the council to review the application and correct its mistakes. For example if the council:

  • did not make proper enquiries and so it misunderstood your true circumstances, we would ask it to take steps to put this right and to apologise to you, or
  • has taken too long to make enquiries and reach a decision on your homelessness application, we will ask it to complete its enquiries and issue a decision promptly.

However, there will be times when a homeless person suffers real hardship because of a council’s mistake and the clock cannot be turned back to put this right. For example, we may find that someone was homeless and in priority need but the council did not arrange temporary accommodation, and so he or she had to sleep rough instead. In these circumstances, we are likely to ask the council to make a payment.

The facts will be different in each complaint and we consider each case carefully to decide on a remedy.

Sometimes we find that a council’s policy and procedures for dealing with homelessness applications are flawed or that officers have not been given proper training and guidance. We may recommend that the council reviews its procedures or arranges training for staff so that other homeless people do not go through the problems you have experienced.

Examples of some complaints we have considered

Mr B experienced a spinal cord injury and spent some time in hospital. Mr B told the council that his home would no longer be suitable for him, as he would now need a wheelchair, and he would therefore be homeless when the hospital discharged him. The council delayed making enquiries and told Mr B he would have to visit its offices, travelling from hospital, for it to take a homelessness application. This caused Mr B significant inconvenience and discomfort. The council took two months to make a decision about what duty it owed to him, causing Mr B uncertainty, and it told him it owed the wrong duty because it did not recognise he was already homeless. The council delayed arranging emergency temporary accommodation for Mr B, so he had to stay in hospital longer than necessary. When it arranged temporary accommodation, it was not suitable for Mr B as a wheelchair-user and he experienced significant loss of dignity. The council did not find him alternative accommodation until it found him a permanent home four months later. The council agreed to apologise and pay Mr B £2,150. It also agreed to review Mr B’s case and make changes to procedures and staff training to reduce the chances of the same faults happening again.
Miss B and her partner were given notice to leave their private rented property. They told the council they would become homeless, and it wrote a personalised housing plan for them and gave them advice. Miss B then separated from her partner and left the private rented property with her son before the notice ran out. The council updated her personalised housing plan and told her it now owed her a different duty (the ‘relief duty’) because she had become homeless. However, it then did not take steps to help Miss B secure accommodation, so it did not meet that duty. It put all the responsibility on Miss B to find her own accommodation, and she ended up asking another council to help her. We decided Miss X had suffered distress and uncertainty. The council agreed to apologise, pay Miss B £400 and create an action plan to show how it would make sure it did not repeat the same errors.

Other sources of information

If you are in a crisis and you need immediate practical help or advice on your legal rights you can contact Shelter who run a free national telephone advice line (0808 800 4444) and have a network of housing aid centres across England – you can find out more at www.shelter.org.uk.

Law centres, Citizens Advice Bureaux and independent housing advice centres may also be able to help you.

The Civil Legal Advice telephone number is 0345 345 4345.

Our fact sheets give some general information about the most common type of complaints we receive but they cannot cover every situation. If you are not sure whether we can look into your complaint, please contact us.

We provide a free, independent and impartial service. We consider complaints about the administrative actions of councils and some other authorities. We cannot question what a council has done simply because someone does not agree with it. If we find something has gone wrong, such as poor service, service failure, delay or bad advice and that a person has suffered as a result we aim to get it put right by recommending a suitable remedy.

October 2020

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The Subtle Art of Not Giving A F*ck - (PB)

The Subtle Art of Not Giving A F*ck - (PB)

The Subtle Art of Not Giving A F*ck - (PB)

By: Mark Manson

Publication Date:
Nov, 30 2017
Paper Back
Availability :
In Stock
  • Rs 977.50

  • Rs 1,150.00
  • Ex Tax :Rs 977.50
  • Price in loyalty points :978

You saved Rs 172.50.

Due to constant currency fluctuation, prices are subject to change with or without notice.

Read More Details

The Subtle Art of Not Giving A F*ck: A Counterintuitive Approach to Living a Good Life"

In this generation-defining self-help guide, a superstar blogger cuts through the crap to show us how to stop trying to be "positive" all the time so that we can truly become better, happier people. For decades, we've been told that positive thinking is the key to a happy, rich life. "F*ck positivity," Mark Manson says. "Let's be honest, shit is f*cked and we have to live with it." In his wildly popular Internet blog, Mason doesn't sugarcoat or equivocate. He tells it like it is--a dose of raw, refreshing, honest truth that is sorely lacking today. The Subtle Art of Not Giving a F*ck is his antidote to the coddling, let's-all-feel-good mindset that has infected modern society and spoiled a generation, rewarding them with gold medals just for showing up. Manson makes the argument, backed both by academic research and well-timed poop jokes, that improving our lives hinges not on our ability to turn lemons into lemonade, but on learning to stomach lemons better. Human beings are flawed and limited--"not everybody can be extraordinary, there are winners and losers in society, and some of it is not fair or your fault." Manson advises us to get to know our limitations and accept them. Once we embrace our fears, faults, and uncertainties, once we stop running and avoiding and start confronting painful truths, we can begin to find the courage, perseverance, honesty, responsibility, curiosity, and forgiveness we seek. There are only so many things we can give a f*ck about so we need to figure out which ones really matter, Manson makes clear. While money is nice, caring about what you do with your life is better, because true wealth is about experience. A much-needed grab-you-by-the-shoulders-and-look-you-in-the-eye moment of real-talk, filled with entertaining stories and profane, ruthless humor, The Subtle Art of Not Giving a F*ck is a refreshing slap for a generation to help them lead contented, grounded lives"-


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You are viewing all posts for tags: astro

Used Chevrolet Astro Vermilion OH 44089-0457

Chevrolet Astro Base

Outstanding design defines the 2005 Chevrolet Astro. It features an automatic transmission, rear-wheel drive, and a refined 6 cylinder engine. Chevrolet prioritized practicality, efficiency, and style by including: 1-touch window functionality, variably intermittent wipers, front bucket seats, fully automatic headlights…

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Library COVID-19 Dashboard

Library COVID-19 Dashboard
Learn more about updates to library services

Meeting the Need: Interlibrary Loan Increases Digitizing Materials While Physical Library Spaces are Closed

May 4, 2020

The onset of COVID-19 created obstacles for institutions across the country, including the University of Wisconsin-Madison. The requesting process of physical books at the UW-Madison Libraries – both borrowing and lending – came to a halt in early March as health and safety considerations became paramount. Books could no longer be shared, yet remained essential for instruction. This problem required libraries to adapt – quickly.

Overnight, the UW-Madison Libraries’ Interlibrary Loan and Resource Sharing unit’s relatively behind-the-scenes services were thrust into the foreground as digital article and book chapter requests from patrons and other libraries are pouring in.

“The biggest challenge is trying to figure out how to get scans from physical materials to patrons when there is virtually no staff at campus libraries, no way to move books from campus libraries to Memorial Library (where we’re doing the digitizing), and many other university libraries around the country are closed,” explains Rachel Watters, Director of Resource Sharing at UW-Madison Libraries. “To give some perspective, the Libraries moved around 28,000 books between campus libraries and other institutions in the spring semester of 2019.”

Since copyright law prevents digitization of entire books, library staff had to develop creative, innovative solutions, virtually overnight.

The staff depends typically on student employees to pull and scan articles and books. With much of the staff working remotely and students no longer on campus, only a skeleton crew in the physical library is now able to retrieve and scan the materials. For the few remaining individuals in the library, they continue to face a staggering workload.

But count on librarians to be tenacious, persistent, and thorough. These behind-the-scene heroes are excellent at finding creative solutions to meet the needs of our users. The standard 50-page scanning limit was lifted to accommodate more requests. Additional scanners were set up (appropriately distanced from each other) to increase scanning capacity, and Library staff from other departments volunteered to help the ILL department. This work continues at a rapid pace while maintaining specific health safety protocols, including social distancing and regular breaks for hand-washing and sanitizing of workstations.

ILL has always been a vital library service, but given the recent events, it has become crucial. Joy Pohlman, Head of the Interlibrary Loan department, insists, “Despite all the challenges, we are still deeply committed to getting patrons what they need as quickly as possible.”

They may not be familiar with glory, but they certainly have the guts. If you need help getting resources, learn how to request material on the Libraries website.


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by Keith Baines (Rendition)

Other authorsRobert Graves (Introduction)
Paperback, 1962

Call number

Mentor (1962), Mass Market Paperback, 512 pages

Presents the epic story of King Arthur, the wizard Merlin, his Knights of the Round Table, the sword Excalibur, and his tragic and poetic death, in a prose translation of the classic legend, featuring an introduction by acclaimed poet Robert Graves.

User reviews

LibraryThing member andreablythe
I know Le Mort d'Arthur is supposed to be a great classic and the definitive Arthur, but damn it, I'm 377 pages in and I can't do it anymore. It is just too much of the same flipping story over and over and over and over again. And not just the same story (knight jousts with knight), but almost the same exact wording with each battle.

The only thing to have sparked my interest in about 200 pages was this line: "The King Arthur overtook her [a false lady and sorceress], and with the same sword he smite off her head, and the Lady of the Lake took up her head and hung it up by the hair to her saddle-bow." THAT is pretty damn awesome, but it's also just one line out of all those 200 pages, and it made me long for a Lady of the Lake story, not more and more of these knights smacking each other around and talking about how knightly and courtly they are because they are big strong men who can politely knock another guy off a horse.

I am so wonderfully wroth at this book that I'm about to come at all of these damn knights like thunder and smote them down with their own damn lances. (PS. If I never see the words "wroth", "smote", or "came together like thunder" again, it will be too soon.) Seriously, don't these guys have anything better to do than run around the forests or hang out a bridges and joust with each other? Isn't there farming or something to be done? Anything? Please? I mean, I'll read about the wheat in the fields at this point.

Did I also mention that it's over 900 pages? Well, it is, and apparently this is the SHORT version. The other version is in like three volumes or something. Since it's getting the point that I'm starting to hate Arthur and his knights, I need to just put in the towel and read something — anything — else for a while.

Right now, I'm really looking forward to rereading Simon Armitag's translation of Sir Gawain and the Green Knight, because I need something to remind me why I used to love Arthurian stories so much.
… (more)
LibraryThing member LisaMaria_C
I agree with the reviewer who said this is not for the faint of heart, and few general readers are going to find this a great read. If you're looking for an absorbing, entertaining read with characters you can relate to and root for, you're absolutely, positively in the wrong place. Read instead Arthurian novels such as T.H. White's The Once and Future King or Mary Stewart's Merlin Trilogy. There are countless other such novels inspired by this material worth reading, and I've read a lot of them.

But I did find it interesting at times going through this, one of the ur-texts as it were of Arthurian legend. There are other, earlier works of Arthurian literature: Geoffrey of Monmouth's The History of the Kings of Britain (1136), Chrétien de Troyes's Arthurian Romances in the 12th century and Wolfram von Eschenbach's Parzival in the 13th century are among the most notable. But Malory drew from several sources, so much so he's often described more as the "compiler" than the author of the work. I own a edition in two volumes that comes close to 1,000 pages. So this is an exhaustive resource of all sorts of facets of the legend. The story of Tristram and Iseult is here, for instance.

And this is a medieval work, so it's imbued with its assumptions and attitudes. Obviously a source of outrage to some reviewers, and even by the standards of the time, comparing this to how women are treated in say Boccaccio's Decameron and Chaucer's Canterbury Tales--well, women don't come off well here. Misogyny abounds. And knights are held up as paragons who commit a lot of heinous acts and just plain WTF. A lot is repetitive and a slog--as one reviewer put it too much is "joust, joust, joust." And this was written about half-way between Chaucer and Shakespeare. With the spelling regularized it's quite readable, much more so than unmodernized Chaucer. But with those that choose to preserve the archaic words, that means wading through words such as "hight" (is called) and "mickle" (much). And there's just so much that can be excused by, well, "it's the times"--I found plenty of medieval writers who were wonderful reads, and just plain more humane: Dante, Boccaccio, Chaucer. I can't see Malory as their equal--not remotely. But as a fan of Arthurian literature and someone fascinated by the Middle Ages, this did from time to time have its fascinations.
… (more)
LibraryThing member jpsnow
While I can appreciate it's standing as the English epic and the beauty of its prose, the key moments are disarrayed within a relentless series of encounters between incredible knights. Homer and Virgil are more believable and more touching because they are more human. Were I to recommend the death of Arthur, I would probably specify portions that avoid the action-movie feel of endless jousts. The opening sets the foundation of Arthur (Excalibur, Mordred) and is the only part involving Merlin. Perhaps a few sections in the middle regarding Sir Beumains, Sir Tritram, and the Lady Isoud would also be included. The last few hundred pages finally bring out a plot, showing the conflict between Lancelout and Arthur -- and the tragic result. If one wants to understand the nature of the knight errant, they might read just a few chapters to get the idea.… (more)
LibraryThing member MrsBond
The first time I read this I was a college student immersed in literature. I loved the language and imagery, truly felt transported to another time and place. With this second reading I see James Bond. Arthur roams the countryside, bedding/leaving damsels, fighting/killing whatever gets in his way, getting himself wrapped up in conspiracies and evil plots, all without losing his smirk. OK, maybe Malory doesn't mention the smirk, but you know it's there.… (more)
LibraryThing member tronella
I listened to the Librivox audiobook version, but the age of the text makes it pretty hard to follow in places, so I went back and reread some chapters at My favourite parts of this were the parts I didn't already know (basically the whole Lancelot and Guinevere business and the grail quest) -- I think the best section is the bit where King Arthur is bored doesn't feel like paying taxes so he fights the entire Roman Empire, and then when he's defeated everyone and is in charge of everything he just goes home.… (more)
LibraryThing member Pondlife
I've known about this book for a long time, but had always assumed that it only covered Arthur's death based on the title. I recently became interested in the Arthur story again after reading The Queen of Air and Darkness, so I downloaded Le Morte d'Arthur from project gutenberg.

This version uses modern English spellings, but the text can still be a bit difficult to follow because of the old usage of some of the words. A dictionary that includes middle english usage is helpful as there are quite a few false friends. I found the late middle english interesting, but I can imagine that it might not be to everyone's taste.

You can see where Monty Python got the ideas from some of their Holy Grail sketches from, because some of them like the Black Knight obviously come from this book. I found that quite a few of the knights escapades had a bit of a monty python quality to them, like the knight who accidentally chops off a woman's head and gets told something like "Arthur will be mad at you for that".

Some of the exploits of Arthur and his knights are chivalrous, but many are not. They certainly can't claim the moral high ground.
… (more)
LibraryThing member k8_not_kate
Having adored T.H. White's "The Once and Future King" in high school, I figured I would read this classic treatment of the Arthurian legends and enjoy it as well. Unfortunately, Malory's work was far less entertaining. Sure, I expected prose from the 15th century to be a harder to get through and denser than White's 20th century treatment, but "Le Morte D'Arthur" barely has an actual story. Malory gives us a series of very repetitive events and makes it difficult to identify with or even care about the main characters. I did give the book three stars, though, almost completely on the strength of the first chapters that go over Arthur's rise to the throne and the final chapter recounting his legendary death. These are worth reading and are very good. Overall, though, if you are looking for a more meaningful and entertaining telling of the Arthurian legends, go to White.… (more)
LibraryThing member drewandlori
The mother of all Arthurian legends. Not the easiest reading, and extremely repetitious at points, but worth it if you like King Arthur stories. The ending chapters on the fall of Camelot are incredible.
LibraryThing member SaraPrindiville
Very long, but as usual interesting that something written so long ago is still relatively current.
LibraryThing member JeffV
Malory was a medieval author who wrote the first recorded account of the largely mythical King Arthur. It is largely an account of the 100 knights of the round table (or "table round"). Unfortunately, these stories are rarely interesting (except maybe for graphic descriptions of quality kills) and it really gets tedious. The stories we commonly associate with King Arthur have their seeds here, but are fleshed out derivatives, it's hard to see the story we're all familiar with. Perhaps Malory was a minstrel and these tales made for good song, but for read, they are dull, dull, dull.… (more)
LibraryThing member dreamingtereza
An absolute childhood favorite - I took my Malory (and my thesaurus) everywhere! I fear I wore out a few copies before I acquired this sturdy hardcover.
LibraryThing member Joybee
I barely got halfway through this book. While the stories are fun, the language makes for a slow, difficult read.
LibraryThing member Elizabeth.Michele
despite the difficult language (this is an untranslated version) very good read.
LibraryThing member DinadansFriend
"The Beast with the Hair on". The spelling is regularized but that's the only concession made to the modern reader. The Tales are unorganized, but that's part of the fun. Also we should consider that Malory's organization differs from our personal one because he was writing for his own time. A great read, which rewards rereading. I know Ive been back to it several times.… (more)
LibraryThing member MorgannaKerrie
An essential Arthurian Legend text.
LibraryThing member richard_dury
A reworking of existing tales by Sir Thomas Malory about the legendary King Arthur, Guinevere, Lancelot, Merlin, and the Knights of the Round Table. Malory interpreted existing French and English stories about these figures and adds original material (e.g., the Gareth story). Malory's actual title for the work was The Whole Book of King Arthur and His Noble Knights of the Round Table, but after Malory's death the publisher changed the title to what is commonly known today. "The Death of Arthur" originally only referred to the final volume in the complete work. (Wikipedia)… (more)
LibraryThing member LibraryLou
Classic tale of King Arthur and his Knights, read it at Uni, and want to read it properly without studying it to enjoy it more.
LibraryThing member AliceAnna
Very difficult, monotonous reading. Lots of smoting and brasting. Surprising source of subsequent Arthurian legends which bear little resemblance to Malory's work.
LibraryThing member tommi180744
This Edition is based on Caxton's text: It therefore very largely contains the original detailed content - alterations have been confined almost entirely to spellings and a little grammar.

This is the 'Romance' as conceived by Malory; every human strength and frailty explored through a tale of fair and foul maidens bestowing favours and demanding submission from manly counterparts, valiant and timid knights gripped by purity of motives and the basest of desires, the noble pursuit of mystical religious objects, considerable magic worked for good and bad, lived folk-lore, and at its core a legendary great King whose moral reputation, avowed love and sincere loyalty for his fellows in the face of every sort of affliction, assault and treachery survives unsullied to the present day.

Be he real or imagined - Arthur - is one of the greatest characters ever written down in the English language - with his gallant, chivalric recruits to the Round Table, their strong-willed female companions and array of adversaries the range of all future English Literature (and much for Europe and modern America) is given a riveting basis for its later global success.

It is said (by many) Cervantes' Don Quixote was the first modern novel - I disagree - 'The Death of Arthur' in my estimation has that significant role.
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LibraryThing member DarthDeverell
Keith Baines' edited version of Sir Thomas Malory's Le Morte d'Arthur renders Malory's compendium of Arthurian legends into modern idiom. Malory's Arthur and Knights of the Round Table would likely appear strange to those familiar with the Arthur stories from Tennyson's Idylls of the King and T.H. White's The Once and Future King. In Malory's 15th-century retelling of the traditional legends, the knights frequently behead those they best in jousting, beget bastards on various ladies, and regard chivalry more in its original meaning of horsemanship rather than the later Victorian ideals. That shouldn't alienate those who come to these stories from their later reworkings, as Malory seems to set his Arthur in all times, blending elements from 500 C.E. through the 1100's.
The stories overlap at times, but, for the sake of ease, Malory divides them into eight books: The Tale of King Arthur; The Tale of King Arthur and the Emperor Lucius; The Tale of Sir Launcelot du Lake; The Tale of Sir Gareth; The Book of Sir Tristram of Lyoness; The Tale of the Sangreal; The Book of Sir Launcelot and Queen Gwynevere; and Le Morte d'Arthur. All of the books fit together to make one larger narrative, though The Book of Sir Tristram of Lyoness (a retelling of Tristan and Iseult) stands alone and could serve as its own book. While the story of Tristan and Iseult likely predates the Arthurian legends, by Malory's time it had been incorporated into that body of work (after it had likely influenced the relationship of LLancelot and Guinevere). The strongest books in the series are The Tale of King Arthur, The Tale of the Sangreal, The Book of Sir Launcelot and Queen Gwynevere, and Le Morte d'Arthur.
If looking for an edition of Le Morte d'Arthur to serve as an introduction to the larger Arthurian tradition, Baines' translation is a serviceable work.
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LibraryThing member scottjpearson
King Arthur’s mythic Round Table – with Queen Gwynevere, Sir Launcelot, and the famous sword Excalibur – resounds through England’s history. They might be fable, or they might have a historical root. Either way, they make for a good telling and national myth. Sir Thomas Malory recorded these tales in book form in the late fifteenth century, and Keith Baines adapted these for modern languages in the mid-twentieth century. Their storytelling power remains full of intrigue and drama.

Be forewarned that these stories contain much conflict and fighting. They tell of a day where knights maintained the social order, and these knights maintained order amongst themselves by a code of honor. As abundantly repeated, Sir Launcelot was the most noble of these knights, second only in greatness to his son Galahad. The honor of knighthood achieved some level of eternality for these chaps and encourages the reader to aim for similar levels of greatness.

But this was no tranquil knighthood. These knights courageously entered into drama-filled situations and sought to resolve them honorably. Malory’s records delineate many of these dramas. In an era and country ruled by royalty, knighthood symbolized a nobility for the common man. (Unfortunately, in this era, women were excluded from such honors.) These tales form a founding myth of the English people, where in the absence of a democracy or a republic, the ambitious sought to serve the king – and by the king, the people.

Readers of this work should understand that this founding myth forms as much a part of British culture as the founding myth of the Revolutionary War does for the American people. Indeed, Great Britain still is subject to a heredity (though constitutional) monarchy which allegedly traces its origin back to Arthur. Hence this work provides many political, historical, and cultural insights in its contribution to literature.

Students of England or Western civilization will certainly benefit from studying this work. Also, generally educated readers will likely benefit from enhanced understanding of the unique British people. But philosophical understanding is not all there is. Readers will also find these stories entertaining as adapted by Baines into a fluent, modern tongue. They harken the human heart back to an era of chivalry and romance. This era may have never existed in history exactly as told, but it certainly dwells still in our hearts. Understanding that romance of honor will continue to benefit the modern reader if she/he chooses to spend their time seeking after Camelot.
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LibraryThing member jshillingford
Beautiful, oversized hardcover edition of this classic work. Learn the story of King Arthur as is was first "recorded." Highly recommended!
LibraryThing member TheDivineOomba
This is one of those books I'm glad I read, but it got old, fast. Its a classic for western literature, and its the inspiration for so many early modern fantasy writers. Unfortunately, I didn't like it. Between all the kings and knights, the countless jousting matches, and really unlikable characters, it I had a hard time reading this. Of course, the stories are drawn from oral tradition, the author, Malory, pretty much made up whatever he wanted and for late 15th century, nobody much cared about accuracy.

As for characters, the only one I really .liked was Nyneve, who locked Merlin up in a caver for following her around (Merlin deserved it).
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LibraryThing member AlanSkinner
I think I read this over and over when I was a child, and when I came back to it as an adult, I still loved it. These tales are an ingrained part of western culture and are still a weather value for the rough winds of our morality.

Of course Mallory's tales of Arthur are a fifteenth century re-modelling but what glorious new dressing has been added. Each tale is a short story in its own right, and each combines effortlessly to create the picture of heroes and a kingdom in which people mattered, in which civilisation was something to strive for and not something to endure.

Maybe I'm just a sucker for Arthurian tales. They still delight and captivate me (all except the recent film version with Clive Owen and Keira Knightly) and I'm glad they do. We all know right and wrong is more complex than in Mallory's tales, but at least he makes living up to even simple choices filled with hurdles and pitfalls. Maybe that's why they work, because every hero wears his failings as openly as he wears his sword and shield.
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Create And Customise Your Own Android Emojis With Gboard

Create And Customise Your Own Android Emojis With Gboard
Image: Google

Emojis add a little personality to your messages and social media posts, and there are so many of them to pick from that they’re practically their own language at this point. Even then, sometimes you’ll find that there isn’t one that quite fits what you’re trying to say.

Thankfully, Android users will soon be able to mix and match two different emojis to create new ones, all thanks to the Gboard keyboard app’s new “Emoji Kitchen” feature.

How to use Gboard’s “Emoji Kitchen” on Android

Google" loading="lazy" > Gif: Google

Only certain emojis are supported by the Emoji Kitchen and most of them just add faces to inanimate objects or change an emoji’s expression, but it’s a neat way to personalise your messages without needing extra apps or third-party websites.

  1. Open an app with text input, and then open Gboard’s emoji section. Note: Gboard needs to be your default keyboard app.

  2. Tap on an emoji. Make sure you test out a few of the emojis to see which ones are supported. Google’s official announcement includes the cowboy face, clown, monkey, robot, cactus, poop, ghost, and heart emojis, but there are probably even more that you can play with.

  3. If the emoji can be customised or combined with another, Gboard will offer up some suggestions in a menu above the keyboard. This might take a moment to show up.

  4. Scroll through and select the new emoji you wish to use, and it will be added to your message.

Users will get the new feature as part of the Gboard update that’s rolling out today, so make sure you’ve updated the app if Emoji Kitchen doesn’t seem to work. Or, if you’re like me and the official update hasn’t arrived on your device yet, you can try joining the Gboard beta program and hopefully get the feature even sooner.

  • I clicked the headline because I wanted to “Create And Customise [My] Own Android Emojis” (Samsung emojis suck)
    But what you’re actually telling me is that picking an emoji will show suggestions for stickers (read: image attachments).

    Also if they’re “stickers”, that means they get sent as an image, and not really adding an emoji to your message like your description implies.

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The Positives and Negatives of Ionized Water

Can you improve the healthfulness or cleaning power of water by ionizing it, rather than by adding any

Ionized water is misunderstood by critics and many sales people

chemicals or supplements? According to over 40 studies, the answer is yes. But if you want to find those studies, don’t look for ionized water, because you won’t find any studies with the words ‘ionized water’. Instead, you can find health studies on ionized alkaline water by searching for “electrolyzed reduced water” and you can find cleaning and disinfection studies on ionized acidic water by searching for “electrolyzed oxidative water” An article in the Wall Street Journal written by Laura Johannes made that mistake, and because of it, the WSJ article paints a grossly distorted picture of ionized water.

Water ionization: Science or snake oil?

The Science: A water ionizer uses charged plates to separate water into alkaline and acidic water. The process used to ionize water is called electrodialysis, not electrolysis. It’s a small but important distinction. The difference between electrodialysis and electrolysis is that electrodialysis separates the charged plates with ion-permeable membrane. Without that membrane, water ionizers would not be able to make alkaline and acidic waters.

The Snake Oil: The process of ionization used by water ionizers is poorly understood, both by alkaline water skeptics such as chemist Stephen Lower, and even by people who sell water ionizers: A great example of this are the laws of physics and chemistry defying descriptions of Kangen water given by Enagic salespeople. The confusion over the ionization process leads to a lot of misunderstandings.

Pseudoscience: The negatives of ionized water

Many ionizer companies claim that alkaline ionized water is made better by “restructuring” tap water into “microclusters” of water molecules that are hexagonal in shape. Many health benefits are attributed to this “restructuring” process. The problem is, none of it is true. Water molecules don’t cluster together. They can’t be “restructured” because they aren’t structured in the first place! It’s bad enough that overeager and under-informed salespeople use these false claims to sell water ionizers, but they make it worse by making ionized alkaline water sound like a miracle drug – it’s not. Ionized alkaline water supports general wellness, it’s a health supplement, not a drug.

Likewise, the effects of ionized acidic water aren’t understood by critics and most ionizer salespeople either. There is a big difference between the ionized acidic water made with tap water, and the ionized acidic water made by adding salt to water, and then ionizing it. The ionized acidic water made with salt contains chlorine, so it is a potent disinfectant. The ionized acidic water made with tap water isn’t a disinfectant, but it is good for cleaning with.

Health, beauty, and sanitation: The positives of ionized water

Ionized alkaline water has some unique qualities that make it a healthy beverage: It has higher alkalinity than regular water, so it can counteract acidity. Ionized alkaline water also has antioxidant potential, which can counteract harmful radicals like Reactive Oxygen Species (ROS) and Reactive Nitrogen Species (RNS). There is strong albeit preliminary evidence that drinking ionized alkaline water can improve the health of people whose body’s ability to handle acidity has been compromised. Some of the health benefits that have been reported in studies on ionized alkaline water are:

  • Maintains healthy bones
  • Improves hydration
  • Inactivates pepsin, the enzyme that triggers GERD
  • Detoxification and protection against the toxic effects of mercury
  • Reduce blood pressure and cholesterol levels

There’s many more documented benefits that can come from drinking alkaline ionized water. In fact, ionized alkaline water has been known for it’s health benefits even before water ionizers existed! This is because there are seven protected springs where ionized alkaline water is found in nature. Springs like Zam Zam in Saudi Arabia, Nordenau in Germany, and Hita Tenesoryu in Japan have been revered and even worshipped as sacred places because the health effects people experienced from those waters. The water from those springs has the same composition of minerals as ionized alkaline water made by an ionizer, and it has similar antioxidant potential.

Ionized acidic water has some unique qualities as well. It’s a weakly-acidic solution, which makes it safe to use as a beauty treatment. It has oxidative potential which gives it some antibacterial potential. Ionized acidic water is a miracle hair rinse, it does two beneficial things for hair follicles: It closes and compacts hair follicles, which leaves your hair softer, more manageable, with a natural shine. For people like me, with long hair that is prone to tangles, ionized acidic water makes hair noticeably more healthy. It also works well on skin, ionized acidic water acts as a natural astringent, and it can help clear up with skin conditions like acne. Plants absolutely love ionized acidic water, it oxygenates their roots, and lowers soil pH to levels that are healthy for plants.

Ionized water for cleaning and disinfection is made by adding salt to water before ionizing it. The result is strongly ionized alkaline and acidic waters that aren’t for drinking, they’re for cleaning. When you use salt to make ionized water, you get chlorinated water which works as a cleaner and a disinfectant. Many people and even some businesses are finding that strongly ionized water can replace many chemicals used for cleaning.

The bottom line: Ionized water is poorly understood and needs to be studied further

Advocates of ionized alkaline water say it’s a healthy beverage that supports general wellness. Critics say that there isn’t enough research evidence to make health claims for it. So who’s right? There are over 40 studies that document potential health benefits that can come from drinking ionized alkaline water. It is also true that more research is needed to confirm those results. The problem is: Those needed studies would cost a lot of money. The clinical trials needed would cost billions – far more than the entire water ionizer industry makes in a year. The lack of comprehensive research and the daunting costs of that research holds ionized water back. It’s tragic because ionized alkaline water has the potential to help many people that struggle with poor health, and it’s a lot cheaper than prescription medications.

Could alkaline water help put you back in charge of your health? Call us at 855 959-7977 for a free no obligation alkaline health consultation

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