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I'm not too familiar with Erro, alas,. I'm trying to avoid being a person who has opinions except of a positive sort. Richard Posner a remarkable judge and legal mind, oddly enough the appeal's court judge who ruled for me in the McFarlane case just did a book about this, from a writer's point of view, saying the same thing as you Eddie, more or less: There's a review at www.

When something's at stake either status, in the case of my poetry chums, or hard cash , the knives start to come out. I'm someone who doesn't get it. I won't argue against it being great or whatever, I just obviously am missing something with it. I so agree with you on this issue. Thanks Sonny B - great thing you did before you ran into that tree. And now with Disney trying to trademark other peoples creations. They interpreted the characters - protect that fair enough - but now they want exclusive rights to use all those characters?

There have been at least 14 English-language films based on Collodi's novel The Adventures of Pinocchio which itself drew on other sources , and many more in other languages. One would hope that Disney is not allowed to lay claim to stories that are out of copyright the sole reason why even Disney itself was able to make movies of them merely because it adapted them.

Obviously, nobody likes to be out and out copied. It is nice when people bring their own style and subject matter to their art. While on the subject it also drives me batty when some collage artists go on about copyright! If it was not for the public domain most of us would have no source material!? Which is awesome I for one never want to be like Disney and steal other peoples ideas fiddle with them a bit and slap my own copyright on it. I feel that the public domain is so important - for people to make art and continue building upon great ideas.

You gotta just not worry about it keep coming up with new ideas and hope that adding your aesthetic keeps things rolling. What Lichtenstein did was not plagiarism in any sense, as far as I can see my opinion, as you state. His comic panels were merely a reinterpretation of specific works from a medium most at the time didn't even consider to be art at all.

It was a pretty bright move, if nothing else, even the most conservative have to admit. The best modern art is subversive, and the Lichtenstein panels in question were certainly subversive. Which brings me to a certain insane comic book artist I used to know who began making his living plagiarising Frazetta.

I've seen "originals" by this guy that are nothing more than blatant copies of Frazetta works with some minor changes. Why this is considered acceptable, I've never been able to figure. Apparently there is a different attitude at work in the world of graphic art than in literature. Brilliant quote, I love it! Unfortunately it requires all artists to agree to this rule for it to work in this day and age, which makes it a bit idealistic, but I'd LOVE to see it happen. It's amazing because, for a while, the internet and computers allowed people to do such things.

It wasn't perfect, but it was great fun being able to rework a movie's artwork and share it with people. Some of the designs were way better than the ones you could buy in the shops. Alas, Disney sued the pants off of the poor student who owned the site, and it has long since gone.

But for a while, being able to tear apart other people's work and do what you like with it, was tremendously liberating. Trying to define plagiarism is like trying to nail the proverbial jelly to the wall. I usually define it as large scale theft without alteration being passed off as unique work. Beyond that we're into the misty realms of collage, sampling and general artistic influence which is a whole other matter. In other words, giving special dispensation to a work simply because it appears new or sui generis is a mistake.

This is despite writing a book called The Shock of the New. You'd have to read his argument in his words but I think he's saying we're beyond the point where originality as much as that can be quantified confers anything special on an artwork, book, comic, etc. Brian Eno has a recipe for originality: Which leads to the second point.

Something he's said repeatedly over the past few years concerns influence and the question of originality. Since we're now Post-Original, the task of the artist or writer Eno says is to be a "curator of influence". In other words, your influences might be W Pett Ridge, Thunderbirds, Get Carter and the Epic of Gilgamesh; if you mash those together in different quantities you're going to have something unique that represents you, even though the individual elements have a prior existence.

Your influences differ from the next person; even if they didn't you might take completely different things from them. In the review Neil refers to above there's mention of The Waste Land which is a good example of a sampled or collaged poem. It's also a great example of Eliot curating his influences in a very careful manner so that what emerges is unique.

Another poet borrowing from Shakespeare, Dante, Baudelaire, The Golden Bough, etc would produce something completely different. Oh, and if you want another flush of irony, look no further than the severe strictures Faber places on anyone daring to quote Eliot's work. So what's plagiarism then? Thieving without admitting it?

Is it a question of degree, the more you steal from a single source, the worse it gets from a moral standpoint? Slippery stuff this, especially when we've had Kathy Acker making a whole career of stealing from other writers. But then she did so openly and she was less a plagiarist than a writer riffing off Dickens and co. We're all feeding each other, eating each other, creatively speaking. The only real sense I can make of plagiarism outside of academia is in the sense of one artist using the work of another artist without "filing the serial numbers off", when that other artist still controls the legal right of copy over it still alive etc.

Which is to say, it's a tort issue, not a creative one. White paint and an exemplary installation currently give the Hayward Gallery an of-our-own-time presence. But the paintings by Roy Lichtenstein which line the walls — the early ones anyway — are now so well established as an ironic commentary on pop culture that they read as decoration, as conventional and period-flavoured in their way as chintz.

You could be in a fashion store which has decided to go retro and jazz up the decor. There are pictures in the Hayward show from right up to the last year of his life — The comic-strip frames, which are still the Lichtenstein pictures one thinks of first, are not in a majority at the Hayward, and the other subjects are connected with them only by the use he made of the accidents and conventions of cheap comic-book drawing and printing — heavy outlines, flat colour and coarse mechanical screens.

Among them are hard-edged drawings of big fluid brush marks — a mockery of gestural art. Or perhaps a tribute to it. There are pictures of rooms, a car tyre, an exercise book and a golf ball. Right at the end are paintings in which graded tints show hills rising out of mist with a tiny kitsch-Oriental boat or bridge in the foreground. As early as he hired an assistant.

These are not pictures where you look for the hand of the master, or indeed any hand at all. That the early ones have a sure place in the history of American painting in the 20th century has little to do with a battle in the studio between man, paint and canvas — the painter as hero was becoming the artist as ironist.

That one force draws style towards classic stillness and abstraction and another pushes it towards expressive exaggeration and storytelling. That every move away from narrative for example, towards pure landscape or abstraction is liable to be followed by a wander back in its direction Surrealism, Pop.

Lichtenstein can be explained either way. He used narrative material but made his comic-book frames into pictures with simple shapes and firm organisation, which some read as a kind of classicism.

What seemed a radical way with narrative finished up as monumental decoration. A tradition of illustration and cartooning runs unbroken and often unnoticed through the undergrowth of culture. Its practitioners keep full a huge image reservoir. High art, particularly over the last couple of hundred years, has regularly dipped into it. For Degas, Keene was a great draughtsman.

Lichtenstein, on the other hand, needed crude performances, not great ones. The one thing everyone hated was commercial art. How was one supposed to read the early pictures like Whaam! Were they a tribute to popular culture or a criticism of it?

Were they just plagiarism? Were they failed plagiarism? The real political, sexual and formal energy in living popular culture passes you by. What right has gallery art to make a meal of indifferent comic-book drawing of the kind Lichtenstein used and then ignore stuff as good as Krazy Kat?

When I walked around the Hayward my first thoughts had nothing to do with low art. I was struck by how very handsome the whole thing was. Large pictures announce their provenance with authority. What each one says most clearly is: Lichtenstein demands only brief attention. As you tour the exhibition, pausing, but not for long, and later flicking through the catalogue illustrations, the badge and the thing badged, the picture and the label, elide.

The screen dots — themselves a comment on the physical feel of old commercial printing — no longer take on the character of abstract patterns and revert to representing tone. Seen small like that, the calmness not to mention the irony is squeezed out of the picture. This applies equally to the later images which are not based on printed originals.

At page-size the contrast between the big dots and the tiny boats and bridges in the late misty mountain pictures is almost unreadable. The comic-book pictures were not in this sense subject-matter: Good copying was necessary if the comic-book pictures were to work.

In images he invented himself, where the lines are less energetic, you miss the tacky vitality of the brush-drawn mark. At Flowers Central in Cork St, W1 you can see, also until 27 March, prints of collages put together in the s and s by Eduardo Paolozzi he appears, incidentally, in the Spiegelman cartoon in a list of true masters of popular art.

He blatantly copied the work of other artists, while debasing their chosen medium comics and raked in the dough for what was tantamount to copyright infringement and intellectual theft. None of those artists saw a penny of royalty from this base exploitation of their labours, nor were any of them given due credit by that cretin. I hope modern art comes to its' senses someday, and this fraud is seen for what he was.

A pioneer at piracy and a common criminal. I have read the article as suggested, but I am afraid I have yet to persuaded as to the merits of Lichtensteins' work. It remains a piece of comic imagery which has more impact within the pages of a comic than in an art gallery. It is shallow and decorative as a piece of wallpaper or as an eye catching image to attract an observer to buy some commodity, a piece of advertising material.

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In , there was a boiler explosion that killed 3 men not 2 as the photo statement says and wrecked 5 boilers. Coroner's Inquests were usually held within the space of 48 hours following a death that appeared to be of a suspicious or unexplained nature. They were usually held in a local public-house, ale house, municipal building, or parish workhouse, but sometimes in the building where the death occurred. The Coroner usually came from a legal or medical background and more often than not, appointed for life by the respective County.

The Coroner and a Jury of between 12 and 24 persons, usually men of substantial standing, were empanelled to examine the body, hear witnesses, and the Jury then to come to a Verdict as to Cause of Death. The account of the Inquest appearing in local newspapers, included the name of the deceased, where they died, and how they died. Sometimes, age, occupation, parish or address, and other relatives' names can be found. In later years when Hospitals appear, people can be dying away from their parish after having been admitted to that institution, and the Inquest is therefore conducted where the death occurred, rather than where the person was living.

The first issue of the Gloucester Journal appeared on April 9, Before that date there were thirty-six provincial newspapers published, and of those only six have survived to the present day.

Taken before Wm Trigg, Gent. Verdict in both cases, Accidental Death. Verdict in each case, Accidental Death. Verdict, Sudden Death by the Visitation of God. So determined was this unfortunate female on self destruction, that she first procured a quantity of laudanum, which failing in its operation, she made a second application, and effected her fatal purpose.

The cause assigned for this act, is supposed pregnancy, which on surgical examination proved otherwise. The Jury, after a very minute investigation, returned a Verdict of Lunacy. The following inquests have been taken before Wm Trigg, Gent. Verdict, Died from the Inclemency of the Weather.

It appeared that on retiring to bed the preceding evening conceiving the room where they slept over one of the out buildings rather damp, they had taken up with them, from under a furnace, some live coals in an open coal scuttle, which they left in the middle of the room; but the place having no chimney, or vent of any kind, and being closely shut up during the night, they must have been suffocated from the effect of the sulphuric gas.

One of them was found in a sitting posture in bed, as if he had been awoke by the oppression of his breath; but doubtless at a moment when he was too much overcome, either to effect his escape, or create an alarm. The pernicious influence of charcoal has often been experienced; and we trust, that the above melancholy catastrophe will operate equally as a warning, against the use even if commended in similar enclosed situations, where there is no draft or current of air.

Although so dreadfully injured, he contrived to walk home, where surgical assistance was procured, and he underwent a very painful operation for the extraction of the shot. He lingered, however, in excruciating pain till Friday evening, when he expired.

He was an officer in the local Militia, and a young man highly respected. He had considerable property about him, and was perfectly sober when he left his inn. The body has not yet been found. The gentleman happily survives; and we feel infinite pleasure in stating, that hopes are now entertained of his recovery. Taken before Wm Trigg, Esq. The night on which the accident happened was so extremely cold, that he had nearly perished, when he was taken up by another coach travelling the same road.

Verdict, Died by the injury he received from the fall. An inquest was held next day at the Ship, in Maisemore, and a verdict given of Accidental Death. On cutting off his boots, one of his legs was found much bruised, supposed from the injury he received by his horse striking against the parapet wall of the bridge, which he was thrown over.

Last week MARY FOWLER, of Nibley, in this county, having had some trifling dispute with her daughter about planting her garden, went out to alter it, and immediately dropped down dead between the plants and was found four days later. On Saturday night, as DANIEL TRULL, a boy of 13, deaf and dumb, was at work in a mill belonging to Messrs LLOYD, Clothiers, of Cam, in this county, his clothes became entangled in the gig wheel, and, before it could be stopped, although immediate assistance was at hand, his head was forced against the roller with such violence as to cause his instant death.

Verdict, in both cases, Accidental Death. She was in her 72nd year. An inquest was taken at Dudbridge, before Wm Trigg, Gent. The deceased was of a very lively temper, and happy in his situation, and as no motive could be ascertained for his committing the horrid crime of self murder, the jury concluded that the cause of his death was more the effect of accident than otherwise, and returned a verdict accordingly.

Another melancholy accident lately attended the common practise of servants riding on the shafts of waggons and other carriages: In jumping off, to stop the horse, the unfortunate man fell with his head against a stone, which caused an immediate discharge of blood from his ears, and terminated his existence, in about four hours, after suffering excruciating torture.

On Friday an inquest was taken before D Willey, Esq. Her disease was of an apoplectic nature, and although it so long deprived her of the power of eating, and the use of speech, she was perfectly sensible till the day previous to her dissolution. The unfortunate gentleman had been missing ever since the night of the 21st of February. It had been imagined that the deceased had become a prey to violence; but the property which he had with him, when last seen, being found in his clothes, it now appears probable that his death was occasioned by having fallen into the water while passing near the bridge, owing to the extreme darkness of the night; or to a sudden fit of illness, to which he was frequently subject.

The following inquests were last week taken before D Willey, Esq. Verdict, in each case, Accidental Death. It is supposed he fell down in a fit whilst at work the preceding day, and immediately expired, as the hoe was lying by him, and there was no appearance of his having moved after he fell across the row of beans he was earthing up.

The Jury returned a verdict of Accidental Death. On Tuesday last, JOHN SADLER, labourer, of Wotton Underedge, after drinking three pints of gin at one public house, went to another, where, boasting of his prowess whilst a soldier, he made a bet with a person in the house, that he would drink a quart of gin in an hour!

The liquor being brought in, he took off the half of it at one draught, and soon after finished the remainder with as little ceremony! He then boasted of the feat, and the instant afterwards fell down, and expired almost immediately!

To the surviving party in this transaction, we leave those reflections which cannot fail to pervade the mind of every rational being. Jul 29 Early on Thursday morning last, a barge-hand named WALSH, on going aboard the vessel to which he belonged, at Tewkesbury, after being out all night, and it is supposed somewhat intoxicated, fell overboard and was drowned.

On Wednesday last, at Tewkesbury, a melancholy accident attended the very reprehensible practise of leaving guns loaded in insecure situations. It is much to be deplored, after the distressing events that so repeatedly occur, through the heedlessness of people using firearms, that more care is not evinced by placing loaded guns out of the reach of children and others who know not that they are charged. An inquest was taken, on Monday, before D Willey, Esq.

The cause assigned for this rash act is his being involved in two law suits, the last of which, relative to the occupation of the house in which he lived, was to be decided on the morrow after he committed the fatal deed. He had come up to that place, with two other gentlemen, in a small pleasure boat; and, upon their return from thence, in pushing off from the shore, they were upset by running foul of the large passage boat; when the lives of the other two were saved by the extra-ordinary exertions of the ferryman.

He has left a wife pregnant, and three children, to lament his loss. COOK, a youth, who was killed by his playfellow inadvertently striking him a violent blow on the temple with a stone. He languished fourteen days. The jury, which was very respectable, after a minute investigation, returned a verdict of Manslaughter against the said RADFORD, who has since disappeared.

Taken last week before D Willey, Esq. HOLFORD, a respectable farmer, of Hartpury, who, on the preceding Saturday, as he was returning from Gloucester market, fell from his horse, and was unfortunately dragged in the stirrup nearly a mile: Verdict, Visitation of God. It appeared that the deceased laboured under a bodily complaint which the faculty pronounced incurable, and would sooner or later terminate his existence. The dread of leaving his family, a wife and 12 children, in distressed circumstances, strongly affecting his mind, the jury returned a verdict, Lunacy.

On the 3rd ult. At Culley Muxen Farm ,near Tetbury, on the body of JOSIAH LEE, a gypsy boy, about nine years of age, who was killed by the explosion of a gun loaded with shot, which entered his left shoulder, and, passing through his chest, caused his death instantly. The jury, after a minute investigation, returned a verdict, Accidental Homicide. On Thursday night, four young men, of Bristol, sailed on a cruise, in an open boat, in and about Kingroad, and remained at Clevedon and the adjacent places till Sunday, when they prepared to return home; but on passing the wreck of the Rebecca, they agreed to go on board, and to fasten their boat to the wreck, by the painter.

The sea at this time was very high. They had not been long on the wreck, when the violence of the waves swamped their boat, and she went to pieces; and in an instant a wave precipitated them into the ocean. Two of them sank to rise no more! The body of a woman was taken out of the float, near the Lime Kiln Glass house, on Friday morning. Her legs were tied together, and it is supposed she must have been in the water some days.

On Monday night, a fatal accident happened at Clifton; ISAAC GODFREY, who has long been accustomed to work the steam engine there, having incautiously removed the cover of the furnace, he was in an instant overwhelmed with boiling water, and expired in a few hours.

He has left a wife and four children without support. An inquest was taken before W Joyner, Esq. Coroner; verdict, Accidental Death. A similar verdict was given before the same gentleman, on view of the body of THOMAS COLE, hatter, of Bitton, who, on his return home on Saturday evening, intoxicated, fell over a railing into a quarry, and was killed on the spot. On Saturday last, the body of an aged man was picked up in the river at Crews Hole, Bristol.

On Friday last, an inquest was taken, in the parish of Quinton, in this county, before Thos. After a minute investigation by a respectable jury, and the body being opened by a surgeon, a verdict was returned, Died in a Fit of Apoplexy. The following inquests were taken last week, before Wm Trigg, Gent.

On Tuesday last, an inquisition was taken before Thos. Coroner, on view of the body of a man, found drowned in a well at Mitcheldean, he fell over twenty feet. Taken before D Willey, Esq. Early on Saturday morning last, as the waggon team of Mr Kendrick, of Toddington, was passing between Ashchurch and Tewkesbury, while the driver was riding in the waggon, the horses took fright and, though a boy was attending the leading horse, set off at a fast speed: On Monday an inquest was taken before Wm Trigg, Gent.

From the appearance of the body, it must have lain in the water several weeks. Taken last week, before W Joyner, Esq. Mr Clutterbuck, who was killed by a concussion of the brain, received by a fall from a horse on the morning of the Monday preceding.

And, same day, at Horton, in this county, on the body of J HOBBS, a boy about 13 years of age, who died in consequence of the kick of a horse, on the preceding Friday. Coroner, on view of the body of ROBERT MORSE, servant to Mr Tanner, London carrier, found dead in the hay stack, of one of the stables, into which he had fallen headlong unobserved he lay there for a week, and thereby sustained a mortal injury in the spinal marrow.

A chimney sweeper was yesterday committed to our City Gaol, for re-examination, being suspected of occasioning the death of his apprentice boy by ill usage. An inquest is this day to be taken before the Coroner, on view of the body; and it would be premature to state any of the particulars of this melancholy case, until the verdict of the jury be known.

On Monday an inquest was taken before Thos Commeline, Esq. The body, by order of the Coroner, had previously been carefully dissected by a surgeon who, being unable to discover the smallest symptom of violence, the jury returned a verdict, Sudden Death by the Visitation of God. The following inquests were taken before Wm Trigg, Gent. She left her husband and infant child in bed early in the morning, and precipitated herself into the Basin, where her lifeless body was found by her affected relatives in a few hours after.

She lived on the most affectionate terms with her husband and family. On Tuesday last, as the ferry boat was crossing the river Severn, at Framilode Passage, deeply laden with cattle, coming from Ross fair, she unfortunately shipped some water, and sank about half way over, at the depth of ten feet.

The cattle swam for different parts of the shore. The drover who had them in charge, and two boatmen, were the only persons on board; one of the latter supported himself upon a plank; the other mounted one of the horses, but being a stout, powerful man, the animal sunk under him, when he sustained himself by swimming till the boats from the shore picked him and his companion up. But their unhappy passenger perished, in the presence of many spectators, on whom he called most piteously for assistance, for several minutes, without their being able to avert his melancholy fate.

His body had not been found on Saturday. At Stroud, on the body of Mrs SIMS, wife of a respectable butcher, of that place, who was stated to have died in consequence of a blow she received from one of her sons, in an affray which happened between him and his brother; the jury, after a very minute investigation, returned a verdict of Sudden Death, and not from any hurt or injury received from any persons, to the knowledge of the jurors.

On Monday, an inquest was taken by Wm Trigg, Gent. On Saturday night, an inquest was taken before Wm Trigg, Gent. Coroner, on view of the body of HANNAH BLAKE, aged about 19, who had been at Stroud fair, and was returning home late at night, under an idea that she was in the company of a man who had shewn her some civilities in the course of the day, but who took an opportunity, in their way through a private field, to attempt the violation of her person: In consequence of this barbarous usage, she lingered under the most acute suffering, and expired on the seventeenth day.

Thomas Allen an American sailor on the good ship Sarah Park. He was going on board in the Cumberland Basin about midnight and as the plank was slippery he fell into the water. The hooks did not get him out fast enough and he drowned. While trying to place a landing stage on board the steamer Taff, it swerved round and he was thrown into the river and drowned.

It was noted that the landing stage had to be placed on in a great hurry so that passengers could get off immediately to catch their trains. He was a member of the Ancient Order of Shepherds. Charles Andow, 3 year old son of a shoemaker also called Charles Andow, he died of burns when his clothes caught fire because he got too near to the fire in the grate at the house in Carey's Lane where he was with his mother.

Verdict of accidental death. Samuel Andy, aged 60, was killed by falling feet from St Vincent's Rocks. He was a quarryman in the employment of Mr Eaglestaff, working in Cleeve Quarry. He and his fellow worker had lit a fuse and he had hauled himself up to the surface to warn people of the explosion. After the charge had fired they went to lower themselves down the face of the rock. In descending Andy caught hold of the rope he had used before which was attached to an iron bar but he hadn't noticed there was almost 30 ft of slack and he fell headlong, headfirst onto a projection 60 ft from the surface and rebounded to the bottom of the quarry.

He had been employed at the quarry for 40 years. He was married and several people contributed for a fund towards his widow's welfare. Jones, aged 23 was riding with another man on Durdham Down and started jumping his horse over a chain at the racecourse there. He went backwards and forwards several times then decided to raise the chain higher until it was 3 or 4 feet off the ground. Ayres advised against it and was proved right when the horse's fore-hoof caught it and it swung, catching the hind legs.

Jones was thrown and the horse fell on top of him, being unable to rise because the bridle was entangled round its body. It fell back on him three times. Ayres fetched the man who had been riding with Jones, a Robert Pugh, who lived at 9 Dowry Square and also Dr O'Brien and they lifted off the horse and conveyed the injured man to the King's Arms in a fly. He did not recover and the inquest verdict was that he died of concussion and compression of the brain.

The inquest jury recommended that the chain should be removed. Lily Elizabeth Bailey, daughter of a labourer from Westbury on Trym, she was aged 5 when she slipped and fell into the water while crossing the river by a planked bridge. Her friends ran away without giving the alarm and she was later found drowned by two girls a week later. William Baker of 5 Little George Street. Aged 30 he was taken to the Infirmary with burns on his face caused by an explosion when pouring vitriol into a generator at Messrs Keevil and Co soda water manufacturers, Redcliffe Hill, he died at the Infirmary.

Josiah Baker aged 21 and of 43 Catherine Mead Street. He was found dead in the Floating Harbour neat Tottenham Lock by a bargeman. Henry Barlow lived at 4 Somerset Street, aged 3, when he was killed at Cathay. He was playing with other children when a cart belonging to Mr Perry, haulier of Temple Back came along and he fell over, the wheel passing over his head.

No blame was given against J Batt, the driver of the cart, who had been proceeding at a very slow pace. An inquest was held on this 7 weeks old baby at Bedminster Police Station. Eliza Bater of 8 Bath Street, his mother, stated that she lived with Thomas Goodwin, quarryman as his wife. He left the house at 8. About 4pm she laid down with the baby by her side, next to a wall and fell asleep.

When Goodwin came in he woke her up and she found the baby was dead. Neighbours were called in and Eliza told them she had had too much drink during the day and had had to lie down.

Eliza Webb, a neighbour said that she had seemed sober when she saw her earlier, but appeared the worse for drink later after the baby had been found dead. The doctor thought the baby had been overlaid. Although there were 4 other children, she seemed happy about the baby, making a dress for it. The verdict was given as accidental death, although Eliza was warned to lead a better life.

Burned to death aged 8, in the absence of her mother who had locked her in. Samuel Stanton Batman - A Bristol shipwright, on the day of his death he was working on a gunboat in Mr Patterson's yard. As he was leaving in the evening he fell in the dock, receiving severe injuries and died as a result. Charles Bennett he was a miner living in Soundwell who was killed in an explosion at Easton Colliery on Christmas day. On the day of his funeral, as the procession left for Downend church, his brother in law, a Mr Bolton, a miner from Durham delivered an address and led hymn singing round the coffin , The funeral service at the church was conducted by Rex J W Dann.

History of Wayne, Pike and Monroe counties, Pennsylvania. Mathews, Alfred, [from old catalog] ed Peck, R. The Library of Congress. Tracy were the firstassociate judges elected, and both served untilthe expiration of the term, in September, In he erected the grist-mill on thestream, and in had purchased three thou-sand acres of timber land at Melrose; hence,on the expiration of his term of office, he de-termined to devote his life to his family andthe large and constantly increasing demands of band did not long survive, he dying August18, At the time of his death he ownedand operated two saw-mills and one grist-mill,and some twelve hundred acres of farm andtimber land, and was employing considerablelabor.

He was a tender husband, a devotedfather, a firm friend and kind neighbor, everready with aid and advice, always foremost ingood works and honorable in all transactions,both public and private. During the next sixteen years. Then he bought some six hundred acres,nearly surrounding the Coxtown Pond, whichnow is in the hands of Hon.

On August 9, , the lifes journey ofMrs. Oliver, born December 10, ; Olive, bornJuly 29, , married V. Osboru ; Warren W.

Routes and rates for summer tours Rome, Watertown and Ogdensburg railroad company. Undoubtedly the best bass and muskallonge fishing in the world will be found in the vicinityof Wolfe Island, just off Cape Vincent, the largest of the Thousand Islands, being thirty miles longand from seven to ten wide.

The steamer Maud will land passengers at Marysville, a smallvillage on the island opposite Kingston. At the headof Wolfe Island lies Horse Shoe Island—between the two are many rocky shoals where earlyfly-fishing for bass cannot be equalled on the St.

The many bays along the islandcast of Marysville afford abundant opportunity for sport in trolling for pickerel, pike,muskallonge and other gamy fish. Resuming our journey northward from Watertown, a run of ten miles, passing SanfordsCorners, brings us to Evans Mills, a pleasant village within three miles of the celebratedLeRay mansion erected in , where President Madison was once hospitably entertained. At Philadelphia, seven miles distant, we cross the tracks of the Eastern Division, where adetour is made for Clayton, twenty-two miles distant, in the midst of the Thousand Island region.

Antwerp and Keenes are in the midst o. Bad Credit Payday Loans also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday. The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records.

Legislation regarding payday loans varies widely between different countries and, within the United States, between different states. To prevent usury unreasonable and excessive rates of interest , some jurisdictions limit the annual percentage rate APR that any lender, including payday lenders, can charge.

Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. Payday lending is legal in 27 states, with 9 others allowing some form of short term storefront lending with restrictions. The remaining 14 and the District of Columbia forbid the practice. The CFPB has issued several enforcement actions against payday lenders for reasons such as violating the prohibition on lending to military members and aggressive collection tactics.

The CFPB also operates a website to answer questions about payday lending. Payday lenders have made effective use of the sovereign status of Native American reservations, often forming partnerships with members of a tribe to offer loans over the internet which evade state law.

Some states have laws limiting the number of loans a borrower can take at a single time according to LATimes report. Reports published by state regulators in these states indicate that this system enforces all of the provisions of the state's statutes.

Some states also cap the number of loans per borrower per year Virginia, Washington , or require that after a fixed number of loan renewals, the lender must offer a lower interest loan with a longer term, so that the borrower can eventually get out of the debt cycle by following some steps.

Borrowers can circumvent these laws by taking loans from more than one lender if there is not an enforcement mechanism in place by the state. Some states allow that a consumer can have more than one loan outstanding Oklahoma. States which have prohibited payday lending have reported lower rates of bankruptcy, a smaller volume of complaints regarding collection tactics, and the development of new lending services from banks and credit unions.

In the US, the Truth in Lending Act requires various disclosures, including all fees and payment terms. Effective January 9, , the maximum interest rate that payday lenders may charge in the District of Columbia is 24 percent,[22] which is the same maximum interest rate for banks and credit unions.

Georgia law prohibited payday lending for more than years, but the state was not successful in shutting the industry down until the legislation made payday lending a felony, allowed for racketeering charges and permitted potentially costly class-action lawsuits.

In this law was used to sue Western Sky, a tribal internet lender. New Mexico caps fees, restricts total loans by a consumer and prohibits immediate loan rollovers, in which a consumer takes out a new loan to pay off a previous loan, under a law that took effect November 1, A borrower who is unable to repay a loan is automatically offered a day payment plan, with no fees or interest. Once a loan is repaid, under the new law, the borrower must wait 10 days before obtaining another payday loan.

There is also a cent administrative fee to cover costs of lenders verifying whether a borrower qualifies for the loan, such as determining whether the consumer is still paying off a previous loan. This is accomplished by verifying in real time against the approved lender compliance database administered by the New Mexico regulator. The statewide database does not allow a loan to be issued to a consumer by a licensed payday lender if the loan would result in a violation of state statute.

A borrower's cumulative payday loans cannot exceed 25 percent of the individual's gross monthly income. In , the North Carolina Department of Justice announced the state had negotiated agreements with all the payday lenders operating in the state.

The state contended that the practice of funding payday loans through banks chartered in other states illegally circumvents North Carolina law. The expiration of the law caused many payday loan companies to shut down their Arizona operations, notably Advance America. Many countries offer basic banking services through their postal systems. According to some sources[35] the USPS Board of Governors could authorize these services under the same authority with which they offer money orders now.

In the early s some lenders participated in salary purchases. These salary purchases were early payday loans structured to avoid state usury laws. As early as the s check cashers cashed post-dated checks for a daily fee until the check was negotiated at a later date.

In the early s, check cashers began offering payday loans in states that were unregulated or had loose regulations. Many payday lenders of this time listed themselves in yellow pages as "Check Cashers. Banking deregulation in the late s caused small community banks to go out of business. This created a void in the supply of short-term microcredit, which was not supplied by large banks due to lack of profitability.

The payday loan industry sprang up in order to fill this void and to supply microcredit to the working class at expensive rates. By payday loan stores nationwide outnumbered Starbucks shops and McDonald's fast food restaurants. Deregulation also caused states to roll back usury caps, and lenders were able to restructure their loans to avoid these caps after federal laws were changed.

The reform required lenders to disclose "information on how the cost of the loan is impacted by whether and how many times it is renewed, typical patterns of repayment, and alternative forms of consumer credit that a consumer may want to consider, among other information". Re-borrowing rates slightly declined by 2.

Rolling over debt is a process in which the borrower extends the length of their debt into the next period, generally with a fee while still accruing interest. The study also found that higher income individuals are more likely to use payday lenders in areas that permit rollovers. The article argues that payday loan rollovers lead low income individuals into a debt-cycle where they will need to borrow additional funds to pay the fees associated with the debt rollover.

Price regulation in the United States has caused unintended consequences. Before a regulation policy took effect in Colorado, prices of payday finance charges were loosely distributed around a market equilibrium. The imposition of a price ceiling above this equilibrium served as a target where competitors could agree to raise their prices. This weakened competition and caused the development of cartel behavior.

Because payday loans near minority neighborhoods and military bases are likely to have inelastic demand, this artificially higher price doesn't come with a lower quantity demanded for loans, allowing lenders to charge higher prices without losing many customers. In congress passed a law capping the annualized rate at 36 percent that lenders could charge members of the military. Even with these regulations and efforts to even outright ban the industry, lenders are still finding loopholes.

The number of states in which payday lenders operate has fallen, from its peak in of 44 states to 36 in Payday lenders get competition from credit unions, banks, and major financial institutions, which fund the Center for Responsible Lending, a non-profit that fights against payday loans.

Tech companies such as PayActiv, FlexWage, Activehours, Clearbanc, and Even are beginning to provide alternatives to traditional payday loans. PayActive provides a service to employers that allows workers to immediately receive earned income for a fee. The website NerdWallet helps redirect potential payday borrowers to non-profit organizations with lower interest rates or to government organizations that provide short-term assistance.

Its revenue comes from commissions on credit cards and other financial services that are also offered on the site. The social institution of lending to trusted friends and relatives can involve embarrassment for the borrower. The impersonal nature of a payday loan is a way to avoid this embarrassment. Tim Lohrentz, the program manager of the Insight Center for Community Economic Development, suggested that it might be best to save a lot of money instead of trying to avoid embarrassment.

While designed to provide consumers with emergency liquidity, payday loans divert money away from consumer spending and towards paying interest rates. Some major banks offer payday loans with interest rates of to percent, while storefront and online payday lenders charge rates of to percent.

Additionally, 14, jobs were lost. By , twelve million people were taking out a payday loan each year. Each borrower takes out an average of eight of these loans in a year.

In , over a third of bank customers took out more than 20 payday loans. Besides putting people into debt, payday loans can also help borrowers reduce their debts. Borrowers can use payday loans to pay off more expensive late fees on their bills and overdraft fees on their checking accounts. Although borrowers typically have payday loan debt for much longer than the loan's advertised two-week period, averaging about days of debt, most borrowers have an accurate idea of when they will have paid off their loans.

The effect is in the opposite direction for military personnel. Job performance and military readiness declines with increasing access to payday loans. Payday loans are marketed towards low-income households, because they can not provide collateral in order to obtain low interest loans, so they obtain high interest rate loans.

The study found payday lenders to target the young and the poor, especially those populations and low-income communities near military bases. The Consumer Financial Protection Bureau states that renters, and not homeowners, are more likely to be consumers of these loans. It also states that people who are married, disabled, separated or divorced are likely consumers. This property will be exhausted in low-income groups. Many people do not know that the borrowers' higher interest rates are likely to send them into a "debt spiral" where the borrower must constantly renew.

A study by Pew Charitable research found that the majority of payday loans were taken out to bridge the gap of everyday expenses rather than for unexpected emergencies. The Center for Responsible Lending found that almost half of payday loan borrowers will default on their loan within the first two years.

The possibility of increased economic difficulties leads to homelessness and delays in medical and dental care and the ability to purchase drugs. For military men, using payday loans lowers overall performance and shortens service periods.

Based on this, Dobbie and Skiba claim that the payday loan market is high risk. The interest could be much larger than expected if the loan is not returned on time. Easy fast quick approvals bad credit no credit check payday loans direct lenders local near me locations in downtown mobile fairbanks la los angeles torrance dover maui boise chicago topeka bangor baltimore joplin las vegas.

En Route to Ottawa last Monday with Jade and Mackenzie, we drove up Highway 41 which is where the stories of our stay at Gregory's Diner came pouring out like salt from a cardboard box, I couldn't hold them in.

Mac burst out in loud laughter when I said, "all it seems the folks here in Canada's Kentucky knew to do was to fish fuck and hunt. Pole Roads are Cheap, Durable and Speedily built. The Cars can be built by any handy man in a couple of days, and will carry 2, feet of Hardwood Logs at a Load, drawn by one Span of Horsea.

The Wheels are adjustable on the Axles to accommodate themselves to any bend in the poles. The Iron Work complete, including Bolts and Washes, with a dia- gram of Oar, are supplied by the undersigned. As to cost and utility of Pole Roads we will refer without permis- sion to E. A Full and Complete Stock always on hand. Write for Prices and Discounts. Recommended by Physicians, Ministers uco Norses. It never Jails to bring relief.

It is estimated that there have passed through the boom of the St. B, River, this season, about ,, feet of logs. A Poplar tree recently cut in Clark county, Ky,, was seven feet in diameter, 70 feet to the first limb, and yielded 60, shingles. It is stated by local authority that upwards of ,, feet of lumber are cross-piled at the Muskegon, Mich.

It is told that in digging a well near Leitch- ville, W. Immediately under them was a washed gravel bed, which upon being pierced, gave a flow of water which rose in the well to a eight of 25 feet. About 5,, of the total were old logs that go to the booms next season will all be new ones. It is expected that the crop of will be about the same in quantity as that of A log was recently cut on the Skagit waters, Puget Sound, which was nine feet in diameter at the stump.

The first cut was 24 feet long, and the next log 32 feet in length, and 76 inches in diameter at the big end, while the third was 36 feet long, and measured 63 inches—in all 92 feet of logs, and an average diameter of over five feet.

Thus far this season they have cut 1,, feet of poplar to be used by the Penobscot Chemical Fiber Company in the manufacture of pulp. The "Deseronto Notes'' of the Belleville Ontario contain the following paragraph: Walker, the manager of the Chemical Works, will dispel 3uch an illusion, as the num- ber of products to be derived from it are appar- ently legion.

The evaporating pans disclose to the visitor every conceiveable combination of brilliant and changing colors. Murray, of Pembroke, have disposed of one of their timber limits to H. Mc- Lean, of Eardley.

The limit comprises 19 square miles of territory. A couple of years ago the Messrs. The same firm have also disposed of another timber limit adjacent to the one mentioned to David Moore, the well-known lumberman. Nothing is known of the amount of their liabil- ities, and it is understood that their principal creditors will be the shippers in Nova Scotia.

The Timber Trades Journal says: Some fine sailing vessels built in New Brunswick some years ago have been recently inspected, and the inspection has proved the suitability of spruce for shipbuilding purposes.

It was the fashion some years ago to loudly condemn spruce being used for almost any purpose. As a matter of fact, under anything like favorable conditions, few woods are more durable than spruce. The engine, which is a handsome one, weighs ten tons and is about horse power. The machinery now lying here will make a large boat load.

Every piece of machin- ery being put in this mill is new and has been made expressly for the Company. With this load Mr. Keene will send about twenty more men to work at French River all winter. According to the Chicago Railway Aye, a railway running along for hundreds of miles between rows of shade trees will soon be one of the novel characteristics of the Northern Pacific.

This extensive tree planting is being done to protect the road from storms and snow- drifts. In addition to having a large force of men at this work between Fargo and Bismark, Dak. The Times of Prince Albert, N. The machinery which Mr. Mcdowell has gone east to bring up will include two large circular saws, shingle machine, lath machine and com- plete set of planers and moulders. This mill will be capable of turning out 4 or 5,, feet of lumber in the season.

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