The mobile-home market is showing signs of stress.
The delinquency rate on mobile-home loans has increased by 200 basis points, or 2 percentage points, over the past year, according to research cited by UBS. The 30-day-plus delinquency level is now about 5%, the highest level since 2005.
The increase in the number of struggling mobile-home borrowers suggests that a large chunk of these people haven’t benefitted from the economic growth of the past few years, despite the low unemployment level.
“We interpret this data to mean that these individuals have not largely benefitted from these macro-dynamics, and may also be disproportionately exposed to industries that have experienced compression – rather than expansion – in the current economic conditions, such as retail or some areas of energy extraction,” UBS said.
Conventional single-family residential loan delinquencies haven’t seen a similar uptick, instead continuing their steady downward path through the post-recession recovery.
This data represents a piece of a jigsaw puzzle of the condition of consumer finances in the US. And the picture that’s emerging, according to UBS, is of a two-speed economy, with lower-income consumers and younger borrowers with substantial student debt moving at a slower pace than more affluent and established participants.
There’s been a pretty popular and awkwardly named “no poo” trend going around. People forgo shampoo to avoid chemicals that strip away hair’s natural oils; some even say shampoo is a sham created by advertisers over the past century. Katherine and Margaret here at Treehugger even ran careful experiments testing the trend.
I am not one of those people. I stopped washing my hair for two months by accident.
It all began when I was traveling through Portugal with my friends — let’s call them Timward and Patriciabeth. I fully intended to shower, but something scared me off all the plumbing in our Lisbon apartment.
The washing machine was located under the stove in the tiny kitchen, because nothing says hygienic like a box of dirty water next to your food. Nonetheless, I’d already been traveling for a couple weeks with only a backpack’s worth of clothes, and my socks were so grimy that they were making my feet itch. I needed to do laundry.
I ran a load and, once it finished, I opened the washing machine door. A pool of water spilled out. And I don’t mean a trickle: the whole kitchen was flooded with half an inch of water. I slammed the machine door shut, but it was too late.
After pondering the injustice of the universe as a whole and my life in particular, I looked around for a mop. Finding none, I grabbed some towels and tried to soak up the flood. There was so much water that I had to keep squeezing the water out of the towels into the sink and reapplying them. Timward checked on my progress.
“Wow, that really is a lot of water,” he insightfully observed. “Do you need help?”
“Yes,” I responded. He nodded and walked away.
Then Patriciabeth popped in. “Looks like you’ve got it covered,” she chirped.
After that incident, I was too scared to try the shower. If a machine made for washing clothes could flood the kitchen, what was a machine designed for imitating rain capable of?
Luckily, I was already a pro at not showering. I generally washed my hair every five days or so, which is when my roots tended to get unbearably greasy. I figured I’d just shower at the next place.
Alas, faulty systems were not an exclusively Lisbonian problem. Portugal was a global empire in the 16th century, but it’s been going downhill ever since, thanks to an earthquake and a few plucky French invasions. Long story short, Portuguese electricity and plumbing aren’t great. When Timward tried to use the oven at our apartment in Porto, it literally shocked him. Still, I was getting desperate.
“I’m gonna take a shower,” I announced over cold sandwiches the next day.
“Be careful,” Timward warned me. “The water pressure’s crazy.” This did not sound like a problem to me. But when I turned on the tap, I discovered that the water was cold and the pressure non-existent. Apparently, by “the water pressure’s crazy,” Timward had meant, “I cranked the pressure way up and used all the hot water.” I heroically soaped and rinsed my body in about ten seconds but did not even attempt to clean my hair.
It was the same story everywhere else we stayed that month. Finally, on the last day, I managed to get warm water long enough to strong-arm some shampoo into my hair, at which point the water ran cold. (I can already hear commenters screaming, “That’s washing your hair! You lied!” And maybe they’re right. But “I accidentally stopped using shampoo for two months except for once or twice when I sort of didn’t,” wouldn’t fit in the title bar.)
After leaving Portugal, I traveled alone to a Moroccan village with a population of 4,000. By then, a strange thing was happening: My scalp was feeling less oily.
“You’re gonna love the shower,” said the man who ran the guesthouse I was checking into as we tripped down a bumpy, dark stone path in the middle of the night. “It actually has hot water,” he continued, which I guess was something you could brag about there.
Finally. A hot shower. As I prepared my shower supplies, I discovered that I’d lost my conditioner. So I asked a French tourist to translate a few words for me (French is one of a few widely-spoken languages in Morocco, thanks to, naturally, a couple French invasions) and went to the village’s closet-sized general store.
“Vou as conditionneur?” I attempted to ask the 10-year-old boy at the outdoor counter. I mimed washing my hair. He gave me a look that said, “I don’t understand your French, foreigner, but if I did, I bet you’d be saying something stupid.”
Someone else in line assured me that there was no conditioner. I walked away, wondering how the villagers managed. Their hair looked fine. Maybe they kept a secret stock of conditioner hidden away so they could feel superior to tourists. If so, their plan was working.
I scoured my room for a towel. Apparently, my guesthouse did not provide one; I’d have to make do with my sweatshirt. Even worse, the shower in my bathroom had a detachable showerhead. That would have been fine, but the part that connected the showerhead to the wall was broken, so I’d have to hose myself down like an elephant bathing with its trunk. But greasy vagabonds can’t be choosers.
I turned on the faucet …
And a sad drizzle of lukewarm water eked out.
Morocco is mostly desert. It’s blistering in the sun, but once the sun goes down or you step into the shade, the temperature drops by about 30 degrees. As a result, the guesthouse was an icebox; only a masochist would wash herself in tepid water there. I could rinse my body from time to time, but my hair would have to go au natural. Se la vie.
My hair, though surprisingly not oily, grew coarser and messier as time passed. In the U.S., I generally finger-combed my hair in the shower, but that was no longer an option, and there were no brushes for sale in the village. I took to wearing a plaid scarf I’d brought along as a bandana, making me look like a lumberjack pirate.
Eventually, I met a middle-aged Rasta guy from the Sahara with colorful beads in his dreadlocks and a penchant for quoting Bob Marley.
“Where’s your family from?” he asked me over mint tea at a local café blasting a mix of reggae and Berber music.
“But originally?” he probed. “If you know your history, then you would know where you’re coming from.” I swallowed the real answer — some Jewish shtetl— because I was not telling anyone that on this side of the Atlantic.
“I like your dreads,” I changed the subject.
“You should dread yours,” he told me. “Your whole life would change.”
He was right. Dreads don’t get tangly; they are tangles. They could be the answer to my conundrum. It was a risky move; I’d seen a video of a woman grabbing a blond guy and chastising him for his dreadlocks in San Francisco. I wondered if Americans might find my hairstyle offensive when I returned to the U.S. Still, cultural appropriation might be better than the matted tumbleweed taking over my head.
But before I could dread natty dread, fate intervened.
“I haven’t had a hot shower in two months,” I complained to a 23-year-old French Canadian who was boiling water over the outdoor propane tank that was his kitchen. I played with a lock of my hair that was making the unilateral decision to start dreading itself.
“My shower’s hot,” he responded in his thick Quebec accent, the legacy of yet more French invasions.
I looked at him with the kind of expression you might see on a zombie’s face as it approaches a survivor with an especially juicy brain.
“You can use it if you want,” he offered nervously. After pressuring the Canadian into lending me a towel, I locked him out of his bathroom and, ready for another disappointment, twisted the shower handle.
Warm water streamed onto my face like magma over an icy mountain. The world faded away; all that existed was the steamy cascade. I’d eaten truffles, gotten massages, and stayed in fancy hotels. But I’d never known true luxury until that moment. When I emerged from the bathroom, my hair had returned to normal.
“All good?” the Canadian asked me as I left.
“I’ve been reborn,” I told him, stealing the towel.
Here’s the odd thing: Over those couple months, I’d washed my hair once. But despite getting a little stiff and quite tangled — again, no brush — my hair never really looked or felt too horrific. I think I passed pretty successfully as a perfectly sanitary human. In fact, my hair was greasiest at the two-week mark, which I’ve heard is the amount of time it takes your hair to adjust to the no shampoo lifestyle. I’d finally figured out how the Moroccan villagers kept their hair so silky without conditioner: if you don’t dry your hair out with shampoo all the time, you don’t need conditioner.
Since coming back to the U.S., I’ve started showering regularly again (you’re welcome, America). But I only shampoo every ten days or so, and I don’t use conditioner. Ultimately, I learned that 1) the no poo trend might be onto something and 2) if you go anywhere that was invaded by the French, bring a comb.
Health and fitness are important parts of life, and are part of a mindset that I make sure is part of my day every day – even if that means just having an active rest day. I believe the body requires exercise every day. For a while I used to lift weights at a gym, but then that changed for me and I want to share some info about why I chose to leave that behind.
It’s not that there is anything wrong with lifting weights at the gym or at home, as there are multiple ways to “get results” in the fitness world. But I believe it comes down to enjoying something and asking what you want from your exercise. For me, right now, I use a combination of training styles, with calisthenics as the focus. With calisthenics (body-weight training) you can get all the same results as weight-lifting, become very strong, and build a truly firm foundation, while lowering your risk of injury significantly compared to weight-lifting.
Calisthenics (Body-Weight Training)
I, along with many others, strongly believe that calisthenics is the future of fitness. It’s already taken off in some countries and is now showing its spark here in Western culture -and for good reason. Many people I talk to lately seems to be looking for something different, as if they are bored of the same old gym/weight routine just as I was. It also seems people want to have more fun when they work out.
Calisthenics is about functional strength, natural looking bodies, free workouts, creativity, self-mastery, and healthy routines. It is also something many people can do. I believe that in general we are moving in this direction because times change, our minds change, and things seem to be shifting towards a more natural way of being, which means getting out of repetitive cycles.
Why I Left The Gym
I worked out at the gym for years and was lifting heavy. Did it work? Absolutely, I got plenty of muscle and gained strength. Exercising was part of my routine in high school, as I was inspired by a kinesiology course I took where I learned all about the body, muscles, nutrition, and how to work out to get results.
But I noticed that I started to get tight, I wasn’t flexible, and it was easy, even with proper form, to irritate joints when lifting heavier weights. I didn’t feel my whole body was getting strong either, just in certain parts doing specific things. Plus, I didn’t like the gym and lifting weights – the vibe, the repetition, the lack of creativity, the people so focused on hyping themselves up, looking at themselves in the mirror all day – it simply wasn’t for me. My goals were never about impressing people with my body. I wanted to be healthy, have functional strength, enjoy movement, have healthy joints, build strong neurological connections to my body, and exercise in an environment I liked.
Functional strength is strength that you utilize in everyday tasks. It also goes along with a lot of natural body movements. What I noticed in my experience from weight lifting was that I could get stronger at certain exercises yet I didn’t notice much functional strength increases versus training calisthenics. This was further illustrated to me when I would train my back and shoulders like crazy with weights, yet could only do a small amount of pull-ups. Weight-lifting exercises can often train very localized muscles, whereas with calisthenics it’s naturally more of a full-body workout. Again this comes down to what you are looking for. This was probably one of the most noticeable differences for me, I was gaining strength throughout my whole body in areas that I felt didn’t get touched when I was weight-lifting. Plus, doing calisthenics and avoiding heavy weights healed injuries that I had struggled with for years.
Coming from a point of having my back and core heavily injured, this was a huge transformation for me. The photo below is of me after only 3 months of calisthenics training. My form for this “human flag” is not perfect yet in this picture, but it’s not far off. Three months later (today), I can now hold that same move with straight arms and flatter legs.
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Choosing A Workout That’s Right For You
First off, don’t let anyone tell you what routine you should be doing or what workout methods are best. You have to do what’s right for you, and being aware of your options will empower you. If you don’t enjoy your workouts, then you will have a hard time with motivation and in general you will be forcing yourself to do something you don’t like. Find what works for you, calisthenics is only one option out of many.
For me, getting out of the gym and into outdoor calisthenic workouts made me LOVE my workouts. Compared to when I used to lift weights, I’ve never felt this good. I’m stronger and more flexible than I have ever been. My mind and body connection is through the roof and even though my goals are health related, the appearance of my body is the same as when I used to lift heavy, except now my muscles are longer and my body isn’t puffy and bloated (could be diet too.) I also don’t need to go through bulk up phases and then slim down phases because my nutrition choice is a sustainable lifestyle versus being strictly fast-goal oriented.
Currently I do a mix of calisthenics and yoga. I add in sports and active rest time on days where I don’t work out. Don’t be afraid to use multiple workout methods and switch things up. It seems we often get afraid that as soon as we stop working out we’ll deflate. If that’s happening to you, you’re probably not building sustainable muscle.
Focusing totally on body image is a mindset I truly believe Western culture struggles with greatly; we are obsessed with physical results and short-term results. We’ll do anything to be a “hunk,” even if it’s not healthy for us. When you take the ego away and go for what’s a true healthy choice for you – for mind, spirit, and body – your choices and goals become very different, and your results do too.
Check Your Mindset & Goals
So is calisthenics for you? You answer that question yourself. What appeals to you? What do you want your lifestyle to look like? What do you like doing when you work out? You have to enjoy it! There’s no wrong answer.
If you want to be a body builder, and have that huge body, maybe compete in competitions, or be a power lifter (a couple reps of a ton of weight), then you will need to lift weights simply because you have to stress your body to incredible levels to get those results. You also have to eat in a specific manner to get those results and to be honest, much of the diet advice you get from these types of athletes is not all that healthy for you long-term. But of course you can make healthier diet choices.
If you are looking for a lot of functional strength, solid bone, and ligament health, good cardiovascular fitness, or a toned, muscular looking body, calisthenics will give you all of that as well.
One myth you hear a lot is that you can’t build muscle mass or get good results with calisthenics, but this isn’t true at all. You will gain a lot of strength and size, and be in great shape just as anyone working out at a gym does. There are easy exercises and tough exercises, and many of weight lifters have trouble performing some of them. Your body is your weight, so it’s not like you are not lifting weight, there’s just no added weight. You’d be surprised how hard many of these exercises are and how well they work any other body part, without an increased risk of hurting yourself.
This guy pretty much sums it up well and he’s been through a ton of different techniques. He explains why, in his opinion, he feels bodyweight/calisthenics is best. He does still lift weight as he believes in multiple types of training, but he covers some great points.
I’m simply trying to lead us to realize that it’s about kicking the ego out of your health and make it about a lifestyle choices and health. You can play in whatever realm you like, there’s no need to judge either, but keep yourself honest and in check with what you are doing and why. You have options. Choose what’s fun and engaging for you!
Groundbreaking docu-series is going to change everything you know about this plant and how to use it.
This remarkable plant not only takes on cancer, but 31 other diseases of modern man…from Alzheimer’s to MS…from arthritis to fibromyalgia.
This 1 plant can beat 32 serious health conditions.
Source Article from http://feedproxy.google.com/~r/Collective-evolution/~3/1JhprkYgN7c/
Think you’ve got a big family? Check out the world’s biggest family tree, containing 13 million people. The giant family tree is the largest of several built using crowd-sourced data, each of which tells a tale about the history of Western civilisation.
Joanna Kaplanis at the Wellcome Trust Sanger Institute in Cambridge, UK, and her colleagues, collected 86 million publicly-available profiles from Geni.com. Users on this crowd-sourcing website create family trees, which are then merged with others when matches occur.
After cleaning up the data, the team was able to dispel a long-standing myth.
It was thought that people in the west stopped marrying their close relatives in the 19th century, because improved transport meant that people were born further away from their families. But the family tree proved otherwise.
“Even though people started to be born further away from their families during the early 19th century, they were still marrying cousins for 50 years,” says Kaplanis. It seems the eventual decrease in inbreeding was more to do with cultural influences. “It just became less socially acceptable.”
The new family tree is also shedding light on longevity.
We know siblings tend to live to a similar age, as do parents and their children. This suggests that lifespan is at least somewhat heritable, but we haven’t found many of the genes responsible. “When you’re looking at close relatives like siblings and parents, there’s a lot of shared environment, so it’s difficult to tease apart the genetic influence,” says Kaplanis.
The gigantic family tree allowed the team to compare the lifespans of family members who were more distantly related and living in different towns. The analysis suggests that around 16 per cent of the variance in our lifespan can be explained by inherited genes.
That “is on the lower end of what previous research had suggested,” says Kaplanis.
Journal reference: Science, DOI: 10.1126/science.aam9309
A group of Daesh fighters was arrested on 8 February at Trinidad and Tobago while they were preparing a mega-attack during the night stretching from 13 to 14 February when the carnival was in full swing.
In Trinidad-and-Tobago there is a strong minority presence of Indian Muslims who arrived during the British colonization. Over time, Afro-Americans and Arabs have been added to the community.
This magnificent Caribbean island has equipped Daesh with several hundred combatants. It is the first country to source jihadists in the Americas.
Last year Shane Crawford, called Abu Sa’d at-Trinidadi (photo), had announced in the Dabiq (Daesh’s journal), that preparations for an operation were underway in Trinidad and Tobago.
In July 1990, a hundred jihadists of the Jamaat al Muslimeen had tried to take power in Trinidad-and-Tobago. They had attacked the parliament and taken the prime minister as a hostage. Then they had used the offices of the national television to hide away for six days before turning themselves in.
In May 2017, Thierry Meyssan had responded on the Spanish edition of Russia Today , that the events in Venezuela could be interpreted as an attack comparable to the one that the CIA organized against the Chile of Allende. In a number of interviews, Thierry had affirmed that Daesh was preparing to destabilise the North-West of South America in the context of the strategy of Admiral Arthur Cebrowski .
Source Article from http://www.voltairenet.org/article199725.html
February 14th, 2018
Via: Baltimore Sun:
FBI officials said they are continuing to investigate an incident at Fort Meade early Wednesday that left three people injured when the driver of an SUV attempted to make an unauthorized entry into the National Security Agencyâ€™s compound.
Dave Fitz, a spokesman at the FBIâ€™s Baltimore field office, said late Wednesday investigators are looking into the possibility that the driver made a wrong turn at the complex, but said it is not the only theory officials are examining.
Those injured included an NSA police officer, a civilian onlooker and the driver of the black SUV, said Gordon B. Johnson, special agent in charge for the FBIâ€™s Baltimore office. He said the SUV had a total of three occupants.
At a news briefing at Fort Meade, Johnson described the encounter as â€œan isolated incident.”
â€œI cannot emphasize enough that we believe there is no indication that this has a nexus to terrorism,â€� Johnson said.
The FBI took the lead in the investigation, and at the news conference Johnson said only limited information was available to be shared.
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Source Article from http://www.cryptogon.com/?p=52344
The Swedish Security Service (Säpo) started monitoring Akilov, a construction worker from Uzbekistan, on August 31st 2016 after receiving a tip that he might present a risk. However, the surveillance was dropped five months later – January 31st 2017. The pre-trial hearing revealed that Akilov had started preparations for the vehicle-ramming attack on January 16, 2017.
“The intelligence which existed was not in my judgement sufficiently concrete to provide grounds for the use of, for example, preventative force,” Runar Viksten, lead judge of Sweden’s military intelligence court, wrote in a Justice Department report seen by local media. Viksten insists that Säpo did “what was possible” about the Akilov case.
Säpo got information based on social media chats “which revolved around potential possibilities for a terror attack and not around any concrete plans,” according to Viksten “One must remember that it is not uncommon for people on social media and chats connected to militant Islamism to propose exalted thought and plans for attacks in order to boost their statuses,” he wrote.
The assault took place in Drottninggatan, one of Stockholm’s main pedestrian areas April 7, 2017. A truck driven by Akilov ploughed through a crowd, killing five and injuring over a dozen people. Akilov managed to flee the scene but was apprehended later that day. In January 2018 he was formally charged.
Soon after the attack, media and officials started revealing information about the suspect. It turned out that his asylum application had been rejected in summer of 2016 and he had been illegally hiding in Sweden ever since. Uzbekistan’s Foreign Ministry confirmed that he had already been investigated for having terrorist sympathies in his home country. Recruited by Islamic State (IS, formerly ISIS) back in 2014, he apparently had called on his fellow Uzbeks to go to Syria and join the terrorists.
In the meantime, the Swedish TT news agency together with Radio Free Europe/Radio Liberty revealed the results of their own investigation on Akilov, suggesting that he was in contact with high-ranking IS members before, during and even after the massacre. The journalists analyzed online chats between Akilov and at least 12 of his contacts, described by the prosecutor as “terror-related.”
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The other day, I welcomed the fact that Lloyds of London, the world’s oldest insurance market, would stop investing in coal. Not long after, however, I got an email from solar pioneer (and former oil geologist) Jeremy Leggett, who provided some sobering context: Jeremy, it turns out, had presented a report to Lloyds of London back in 1993 warning of the consequences of delay, and suggesting they begin moving all fossil fuel-related investments to solar, renewables and energy efficiency instead. This lead Jeremy to pose the following question:
“By delaying a quarter of a century enacting what is surely such an obvious self-protection measure, how much damage has Lloyd’s done to investors who have placed their trust in them, in the interim, when it comes to weather-related disasters?”
I’ve been thinking a lot about this email since then. While I tend to celebrate each new move towards more renewables, smarter cities etc. as a sign that a low carbon future is now inevitable, it is important for us “glass half full” types to remember that how fast we get there is increasingly critical.
Lloyd’s post on President Trump’s new solar tariffs is a classic case in point. On the one hand, it will slow progress and cost thousands of jobs. On the other, even industry insiders are saying that another 1.5 years of price cuts and the effects of the tariffs will be largely wiped out.
So what’s the problem?
The sad fact is that 1.5 years is an awful long time if we have any hope of keeping climate change to 1.5 degrees. And in that struggle, a pound of carbon saved now is worth an awful lot more than a pound of carbon saved 20, 10 or even 2 years from now. So we need to fight what Alex Steffen often refers to as “predatory delay” wherever it rears its head. Even if the naysayers can’t derail the march of renewables, they can slow us down enough to make our future even more challenging than it already is.
I do, however, have one more “silver lining” argument to make on the significance of all this. While the delay tactics of Big Energy and their allies are indeed doing damage, the fact that that damage may be limited may actually prove to be a final tipping point for much more ambitious action. Over at Politico, Eric Wolff writes a powerful piece entitled Trump’s failing war on green power, in which he points out that the much promised renaissance of coal has failed to materialize, and that many states, cities and corporations are redoubling their efforts in terms of renewables as a direct rebuke of the president’s policies.
If—and it is indeed an if—we get through the most openly anti-environment administration in recent history and renewables do keep marching, then I would imagine there will be an even larger number of energy investors who start thinking about where the future lies.
Lloyd concluded his piece on the tariffs by saying that the campaign to kill solar and promote fossil fuels was “just getting started”.
And he’s right.
The good news is, so are we.