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What If Its True

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Dealing with catastrophes has always been a problem for mankind. In Europe, which was ravaged with plagues between the early 1500's to 1670 or so (I believe every 15 years one hit), with over 2 million dying in France alone in the first 70 years of the 17th Century, mankind devised all kinds of "remedies" and sought to know the underlying reasons for such plagues.



In 1636 a London epidemic caused the deaths of 10,400 people between April and December. But all over Europe in the mid 1500's and through much of the 1600's disease was a foe that was unstoppable. It rose as the tide, coming in on the continent, flooding the land with bodies, then receding, only to return again some years later with the same deadly consequences.

In London, the sick were usually quarantined, but it wasn't too effective because the sick refused to stay home. Authorities tried to identify homes with straw bundles but that didn't work so they started making a cross on the house with the words "Lord Have Mercy On Us." They even tried confining them to "pest houses" on the outskirts of town in Gloucester and Leicester.

Gatherings were banned, including weddings or funerals, and travel was severely restricted. The theatres were closed. The government hired or otherwise enlisted "searchers" whose jobs were to find and identify the sick (so they could be quarantined). Burials were restricted to specified times at night. Animals had to be kept indoors or they would be killed. Fires were kept burning at all times to kill the bad odors or otherwise get rid of the "foul air."

One "brilliant" idea to get rid the foul odor was to float a boat load of onions down the Thames with the idea that the pungent odor of the onions would attract the the air pollution (which they connected with the plagues). It worked about as well as security worked at American airports in our not to distant past.

Finally, the Great Plague of London hit. Lady Anne Clifford wrote in her diary, the following: "And in this yeare 1665 and the beginning of the yeare following, was there a great Plague in the Cittie and suburbs of London, whereof there dyed for severall weekes together above 8000 a week, the like whereof was never known in London before." -The Diaries of Lady Anne Clifford, p. 177.

One of the reasons for the plague growing as quietly and as deadly as it did was because London had thought itself (as did much of Europe) past the plague years. And when cases began to erupt, it was kept quiet. No one said anything for fear of being quarantined, for fear of stigma, for fear of the economic losses (merchants would refuse to come to London) and probably because they didn't want to believe the monster had returned. Thus, the usual precautions of cleansing of the streets, quarantines, onions (grin) and a lot of other good things, were not done until it was too late.

Large gatherings continued, theatres were populated, animals roamed freely, streets were unsanitary (again) and people ignored the plague until the death rate was so staggering that it could not be ignored. Not until June of that year, well into the plague, were drastic actions taken. By then, it was too late. Schools were closed and large gatherings were prohibited (though church gatherings continued) and in the city there was a rising sense of panic.

In July, the deaths rose to 8828 with over 5600 directly attributable to the plague. August saw over 18,000 deaths from the plauge and in the first week of September, 6,988 died. By December, the numbers had fallen drastically and the plague ended soon thereafter for all practical purposes. The total deaths for the year long period was 97,306 deaths. Of those, 68,596 were attributed to the Plague.

However, that number was probably low because in the early stages, the deaths were not reported as plague and the deaths that hit some of the rich were not attributed to the Plague because it had some pretty definite connotations of evil with it. The clergy, many of whom preached that it was a devine retribution, did not want to be known as one who died from the plague, thus some of them who died of it were not listed as dying from the plague.

Cooks were dying. Bakers were dying. Servants were dying. The rich and the poor were dying. Some of the well to do shut themselves away in their house, refusing to see anyone. The dead were stacking up and those responsible for burying them began to die as well. The room to bury the dead became a problem. People could not afford to pay for the burials. At the height of the plague, bodies were tossed into huge pits, sometimes up to forty at a time. Those who went around with the body carts were looked upon as death themselves and were generally seen by society as coming from the "baser sort," probably akin to our "street people" of today. 

Now we fear a terrorism that will envelope us in a maelstrom of death from violent attacks, including biological warfare which could generate a plague that would sweep across the nation and the planet as well.

We have seen, in America, a deadly enemy hit us. It's blow was, in terms of death, minor when compared to the plague that hit London in 1665. Even on an economical scale, the blow dealt to America is minor, comparatively speaking. London survived. Europe survived.

And we will survive.
What If It's True
A couple recently divorced. Their Divorce Decree stated that the husband would pay the balances on their three joint credit card accounts. Months later, after he neglected to pay off these accounts, all three creditors contacted the wife for payment. She referred them to the divorce decree, insisting that she was Not Responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that the wife was still legally responsible for paying off the couple's joint accounts. She later found out that the late payments appeared on her credit report.

You may want to look closely at issues involving credit if you've recently been through a divorce - or are contemplating one. Understanding the Different Kinds of credit accounts opened during a marriage may help show you the potential benefits and pitfalls of each.

There are two types of credit accounts: individual and joint. You can permit authorized persons to use the account with either. When you apply for credit-whether a charge card or a mortgage loan - you'll be asked to select either an individual or a joint account.

Individual Account

The creditor considers your income, assets, and credit history. Whether you are married or single, you alone are responsible for paying off the debt. The account will appear on your credit report, and may appear on the credit report of any authorized user. If you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin) the individual debts of one spouse may appear on the credit report of the other.

Advantages/Disadvantages

If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income. But if you open an account in your name and are responsible, no one can negatively affect your credit record.

Joint Account

The income, financial assets, and credit history of you and your spouse are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977).

Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is Granting a Loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This rule continues to rule your credit score, even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly held accounts.

Account "Users"

If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, it will be reported in both of your names if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user.

Advantages/Disadvantages: User accounts often are opened for convenience. They benefit people who might not qualify for credit on their own, such as students or homemakers. While these people may use the account, you yourself are contractually liable for paying the debt. If you are Thinking About Divorce, examine the status of your credit accounts, because if you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. Remember that if there's an Outstanding Balance on a joint account, you and your spouse are responsible for it. Therefore, if divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user.

You could also ask the creditor to Convert These Accountsto individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor also is not required to change joint accounts to individual accounts and could require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to Require Refinancingto remove a spouse from the obligation.
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Both Voyle A. Glover, Esq. Glover & Jeffrey Broobin are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Voyle A. Glover, Esq. Glover has sinced written about articles on various topics from Writing. http://brevia.comVoyle Glover is an attorney and author. He has written numerous articles, news columns, and several books. His latest book is entitled "Protecting Your Church Against Sexual Predators.". Voyle A. Glover, Esq. Glover's top article generates over 480 views. to your Favourites.

Jeffrey Broobin has sinced written about articles on various topics from Estate Planning, Legal Matters and Recreation and Sports. . Jeffrey Broobin's top article generates over 40500 views. to your Favourites.
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