How can a postnup protect your retirement accounts?

Getting married is an exciting time. And even if a marriage does fail, many are able to find love again and enter into another marriage. Because the chances of another divorce occurring the second time around is fairly high, it is important that these spouses take the time to understand ways they can protect themselves and their future, especially when it comes to their assets and retirement benefits.

How can a postnup protect your retirement accounts? Much like discussing a prenuptial agreement before marriage, bringing up a postnuptial agreement during a marriage is a difficult task. Nonetheless, it is an important topic to handle, especially when one remarries.

There are many reasons to get a postnup, one of them being to protect assets, property and retirement benefits. By entering into this marital agreement, spouses are able to lay everything out on the table, allowing them to see everything they have, whether owned solely or jointly.

And while a postnuptial agreement can address the many concerns one might have going into a second, third or even fourth marriage, it is always crucial to understand other documents that can add some protection. Because a person is remarried, it is vital to update one’s estate plan and will. If these documents are not updated, this could pose problems for a current spouse, such as the inability to enjoy certain benefits or inheritances.

Divorce can be a very messy and complex process. Even though the mere thought of ending a marriage is unpleasant, it is important to consider ways to protect oneself in the event of divorce. Those considering a postnuptial or prenuptial agreement should understand how these documents could benefit one in the event of a divorce.


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Author: On behalf of Katie L. Lewis of Katie L. Lewis, P.C. Family Law

Stowe guests: Divorcing your mortgage by James Harris of J P Mortgages

In this instalment of Stowe guests, we are joined by James Harris of J P Mortgages

J P Mortgages is a whole of market independent mortgage brokers so clients can be confident that they will find the best the best mortgage deal available.

Today, James offers his expert advice on mortgage options when you are separating or getting a divorce

Divorce and separation can be a very stressful event. In the midst of all of this, you may ask: Where am I going to live?

Whilst things were going well, you may have bought a house with your partner and you may want to continue to live in that house – especially if you have children. But what do you do about your mortgage?

In an ideal world, you might keep your mortgage, or re-mortgage to get a better deal, whilst getting the house and the mortgage in your sole name. This is referred to as a Transfer of Equity – one person agrees to come off the property title, typically as part of a larger agreement, or in return for a sum of money. From then on, you would be the sole owner of your property. So, what’s stopping you?

Firstly, you’ll need to negotiate with the other party to the mortgage, possibly via your solicitor: Will they agree to come off the mortgage? How much money do they want for their share of the property? Will this affect any other agreements (i.e. maintenance payments). Speak to your solicitor about this before making an agreement. As part of these discussions you should determine how much you can borrow – after all, if no financial institution will lend you enough to take over the mortgage on one income, this will affect what you plan to do.

Once you have reached an agreement, you will need to get your mortgage sorted. This will take time, and there may be additional fees involved; taking someone’s name off a property requires a solicitor – and the solicitor representing you in your separation may not be able to act for you.

When applying for a mortgage, you may encounter some difficulties; the first of these is affordability. A joint mortgage underwritten on two incomes, may not pass the lender’s affordability test with just one income – even if you’re not asking for any more money, and even if you have been paying it on your own for some time.

The other big problem that some people have is credit scoring. Prior to separating, you may have had money worries, or built up big credit card balances, or perhaps you’ve kept your finances in good order whilst your partner has not. By taking a joint credit agreement (such as a mortgage) you’ve linked your credit files held by the Credit Reference Agencies, so even if you’ve kept your accounts in perfect order, if your credit file is linked to another file with a low score, this will drag your score down.

Credit scoring is a complex topic, but the key point is that it will take a long time to repair the damage done to your credit score – years perhaps. So if you’re re-mortgaging whilst separating, you will have to do so with your current credit file.

So how are you to solve these problems? Well, as a Mortgage Broker who has been giving mortgage advice for 7 years, I’d say: see a Mortgage Broker. If you’re not sure how to find one, or which is the right broker to use, talk to your solicitor – they will have had contact with Mortgage Brokers who have helped people in a similar situation to yourself and can recommend those who have helped their clients in the past.

There are over 300 mortgage lenders in the UK, and there is a huge difference in their rates, terms, and most importantly, their lending criteria: many lenders will not lend a mortgage that is more than 4.5 times your gross income (salary multiple), others may lend up to 6 times, or will use strict affordability instead of a salary multiple cap; many lenders have very low tolerance for missed credit card payments and defaults, others will lend to those with County Court Judgements, debt management plans, individual voluntary arrangements and even historic bankruptcies; some will use only the basic salary of the full-time permanently employed, others will lend to the self-employed, contractors, people on zero hour contracts and use overtime and bonuses to calculate if the mortgage is affordable. These are just some of the hundreds of things a lender will consider when they look at your application.

Every lender has a little box they like to fit their clients into – if you don’t fit into that box, they will not lend to you. An Independent Broker has access to lenders you’ve never heard of, a good broker can easily match you to a lender who is going to get you the mortgage you need, without you needing to spend days and weeks talking to every bank on the high street yourself.

In summary, sorting your finances out is just part of separating from your partner, and your mortgage is a big part of that. Obtaining a mortgage whilst going through a divorce can be complex and difficult, engaging the services of a professional as early as possible, can save you a lot of time, money and stress.

I’ve helped dozens of people in this situation during my career. Let’s look at the common thoughts of people in your situation.

Am I going to be on a very high rate?

That depends very much on your personal circumstances. A broker would first look at a high street lender to get you the best rates, if possible.  However, if your financial circumstances are not ideal, he may need to look at other options. If, for example, your credit history is in poor shape, he may need to put you with a higher-rate lender for several years, before arranging a re-mortgage to another lender after your credit file has recovered. Many lenders only look back a set time (24 months, 48 months etc) for any missed payments, defaults or other issues. So, after paying a higher rate for a few years, there may be much better options available to you.

I’ll just keep my current mortgage – I don’t need to borrow extra money.

If this is possible, it may be the best solution. However, even if the lender is not lending you any extra money, from their point of view, this reduces the security of their loan – they’ll go from having 2 people with separate incomes they can chase for the monthly payment, to only having 1. If you can meet all their lending criteria, they’ll almost certainly agree, but if you can’t (and it may take a long time to get a definite answer), then they won’t agree to it.

I don’t want to pay a broker to find a mortgage – I’d rather do it myself.

I wish you the best of luck! I say that with utmost sincerity; I’ve been a mortgage broker for years, and I’m constantly learning and sometimes asking other brokers for ideas with complex cases. I regularly attend workshops run by the lender’s representatives to keep up to date on their constantly changing criteria.

Ultimately, it’s a matter of time and money; A broker might need only 2-3 hours of your time during the whole process, and you could have your new mortgage in place in a matter of weeks. To research lenders and personally handle the application on your own, could take hundreds of hours – if you’re spending 2 hours every day on it, you might still be working at it 6 months later.

We’ll just write up an agreement with my partner – I’ll pay the mortgage and stay in the house.

In some cases, this might be the only option available to you. I’d advise talking to your solicitor about the ramifications of this before you finalise any agreement. From a mortgage lenders point of view, these agreements don’t absolve the other person of the mortgage obligation, and credit reference agencies don’t record them.

Or to put it another way; if your partner was the one living in the house and paying the mortgage, and you were moving out but were still named on the mortgage, would you want to buy a new house?

If you do, your credit file still says you’re named on a mortgage; failing to disclose this during an application will almost certainly result in a lender refusing your application. Many lenders will refuse to consider your application for (from their point of view) a second mortgage, those that do consider you, will include the full mortgage as a regular outgoing – even if you are not actually paying it.

Don’t assume everything will go smoothly – always talk to an expert.

Written by

James Harris of J P Mortgages

www.jp-mortgages.co.uk

4 The Crescent Adel, Leeds West Yorkshire LS16 6AA

Tel: 01132 677391 Mobile: 07912754191

The post Stowe guests: Divorcing your mortgage by James Harris of J P Mortgages appeared first on Stowe Family Law.


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Author: Stowe Family Law

Are the proposed divorce reforms just about changing timeframes?

When the news broke the other day that the Lord Chancellor, David Gauke, has confirmed that he will introduce legislation enacting no-fault divorce in the next session of parliament I tweeted a link to the story on Twitter. My tweet received a response suggesting that in the view of the tweeter the introduction of no-fault divorce will change little, save for the timeframes involved in getting divorced. I have heard this before, and suspect that it is a widely-held view. But is it correct?

To answer the question one obviously needs to look at the current law and the proposed new law. A look at the figures for the number of divorces granted per fact proven (I will explain this in a moment if you do not know what ‘fact proven’ means) will also not go amiss.

Let us begin with the current law. There is only one ground for divorce: that the marriage has irretrievably broken down. This will not actually change under the government’s proposals for reform. However, under the current law it is necessary to demonstrate irretrievable breakdown by proving one of five facts: that the other party has committed adultery and the petitioner finds it intolerable to live with them; that the other party has behaved in such a way that the petitioner cannot reasonably be expected to live with them; that the other party has deserted the petitioner for a continuous period of at least two years immediately preceding the presentation of the petition; that the parties to the marriage have lived apart for a continuous period of at least two years immediately preceding the presentation of the petition and the other party consents to the divorce; or that the parties to the marriage have lived apart for a continuous period of at least five years immediately preceding the presentation of the petition.

Note that fault is only attributable in relation to the first two facts. However, those two facts account for the majority of divorces. The most recent figures available are for 2017. In that year there were a total of 101,337 divorces granted. Of those 58,234 were on the basis of adultery or ‘unreasonable behaviour’, or a combination of both. In other words, some 57 per cent of divorces were fault-based.

There is one more thing to consider before moving to the reform proposals. How long does a divorce actually take? Well, it varies greatly, depending upon many factors, including how quickly the parties deal with the divorce (or how quickly they want to deal with it), and of course how quickly the court/divorce centre deals with it. However, if it is dealt with as quickly as possible I suppose it could go through within three months, although that is very unusual – three to six months is more likely, according to the latest figures. That figure includes a statutory minimum period of six weeks between the decree nisi and the decree absolute.

So it could be said that under the current law a divorce could in theory go through within three months of the ‘moment of breakdown’ if a ‘fault’ fact is proved, assuming that the ‘moment of breakdown’ is when one party decides the marriage is over and they want a divorce. On the other hand, if the only fault provable is five years separation it would take a minimum of five years from the moment of breakdown (assuming the beginning of the separation was the ‘moment of breakdown’ – it may not be) plus three months, i.e. five years and three months.

And what does the government propose?

It proposes that the five ‘facts’ be done away with, i.e. the petitioner will no longer have to prove one of them. A statement by one or both parties that the marriage has irretrievably broken down will suffice. However, the government believes that there should be a minimum timeframe for the divorce “to allow due consideration of the decision to divorce”. To achieve this they suggest that the period between decree nisi and decree absolute be increased to a minimum of six months.

So it could be argued that the reform will change the timeframes involved in divorce. And not just by reducing them, as in desertion and separation cases. For some it may actually take longer to divorce, if the six month ‘period for consideration’ is brought in. Assuming that under the new law it could still be possible to get a decree nisi within a month and a half of issuing proceedings, the minimum time for a divorce could be some seven and a half months, in all cases.

In summary, the minimum time for a divorce under the government’s proposed new system will reduce from five years and three months for a non-consent separation divorce, to just seven and a half months. On the other hand, the minimum in a ‘fault-based’ divorce would actually increase, from three months to seven and a half months.

But all of this is of course missing the main point of no-fault divorce. As we have seen, currently in 57% of cases petitioners are attributing blame for the marriage breakdown on the other party. They are doing this because they don’t want to wait two (or, worse still, five) years before they can issue divorce proceedings. And why should they have to wait?

So in nearly two-thirds of divorces we have the spectacle of blame. OK, in many cases the other party may not be too bothered about being blamed, or about the allegations of their unreasonable behaviour made by the petitioner. But in a lot of cases they will be bothered. This will make them less amenable to resolving other issues by agreement, such as in relation to finances and arrangements for children. It may even make them want to enter into the disaster that is a defended divorce. In both cases (issues not resolved by agreement and defended divorce) long, acrimonious, expensive and stressful contested court proceedings could ensue.

Attributing fault for the breakdown of the marriage can have awful consequences, not just for the parties but also for any children involved. And it is entirely unnecessary. As must now be clear to all, there is no need whatsoever to attribute fault for the breakdown of a marriage. So why not do away with it, and its consequences? That is really what the reforms are about.

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Author: John Bolch

How to Find New Music You’ll Actually Like

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By Nick Douglas

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Be friends with Lester Bangs/Vinyl Films

Some people can dig up great music like magic, or have friends inside the industry who keep them updated. Some people are contented with their weekly Spotify Discover playlist. But if you need more ways to find music, here are 50 ideas, taken from Twitter users, my colleagues at Lifehacker’s publisher Gizmodo Media Group, and some of my own habits. Some are obvious, some bizarre, some embarrassing, but they’ve all helped people find their new favorite song, or even their favorite band.

“Best Of” Lists

If you’re getting into a new era or genre, or if you just want to “be more of a music person,” you might enjoy a guided tour.

Music Review Sites

If you find a site whose taste matches yours, great! If not, you can still use these to just see what’s out this week.

  • Metacritic Music averages critical reviews, so it’s a good starting point, and shows you what’s controversial or universally acclaimed. From there you’ll find review sites like these:
  • “I check Pitchfork every morning to see what just came out; they publish 4-5 album reviews a day. I don’t really read it or care what they say too much. Pitchfork’s ratings are arbitrary!”—Joel Kahn, senior video producer at Lifehacker
  • Consequence of Sound uses a letter-grade system for reviews, and streams new tracks as they come out (sometimes before they hit Spotify or iTunes).
  • Needledrop keeps a running “loved list” of its favorite new songs. It’s a tight selection; this year’s list only has 13 tracks so far. (via Péter Szász, managing director at GMG Hungary)

The Rest of the Internet

The internet wants, very badly, for you to hear new music.

  • Each month, Bandcamp names the best new music on the platform, in varying genres. E.g., March’s best ambient music, or February’s best hip-hop. (via Maria Sherman, writer/editor at GMG)
  • You can dig deeper into Bandcamp by “tag surfing” from a band you like to others, or following the Bandcamp blog, says GMG developer Janos Hardi.
  • SoundCloud is similarly built for wandering; when you’re done with a track, it autoplays something else you might like. Find an artist you enjoy, then check out the tracks they’ve “liked.” Tag surfing works great here as well.
  • Pandora might show up in Google below the jewelry brand of the same name, but it’s still one of the best “custom radio” services. Just tell it an artist you like and it builds a new station. For less obvious results, plug in a band that you’ve only recently fallen in love with.
  • iHeartRadio is also still around, streaming radio stations (both old-school and niche digital-only) based on your genre preferences.
  • Tools like Gnoosic and Musicroamer work like tiny versions of Pandora or Spotify Discover, suggesting new music based on what you enter.
  • Spotify and Apple Music try to alert you to new releases by artists you already like, but their delivery systems kind of suck. (Just give me a playlist, and don’t clog it up with bands I “might like,” you weirdos!) But you can fix that with services like Album Reminder, MuzeRoom, muspy, Beathound, and Swarm.fm. They all offer different options for importing your listening history from iTunes, Spotify, or last.fm, plus options for manually entering bands to follow.
  • You might have a hard time getting your friends to gather for an in-person listening party, but you could probably coax them onto JQBX, where users synch up their Spotify playback in a virtual DJ room. You need Spotify Premium to use it, but JQBX also lets you import and export music to Spotify—plus its search function seems to work better than Spotify’s own. Lifehacker loves it.
  • If your workplace has a chat app, start a channel for sharing music. That’s where I got all the recommendations from my GMG colleagues, and it’s also where Nathan Edwards, senior editor at the Wirecutter, finds music: “Our work Slack has a music channel and there’s usually recs from people younger and cooler or older and wiser than me.”
  • Join last.fm, which tracks your music listens across different platforms, and you’ll have a centralized record of your listening habits, along with recommendations. I’ve had an account for over a decade, and sometimes I dig into the archives to find forgotten favorites.
  • If you’re still using Facebook, join some music-based groups, or follow the pages of specific artists. Music recommendation communities can be intimidating, but Facebook has a way of making it all feel accessible.
  • Apple Music, as everyone knows, sucks at algorithmic music recommendation. But its staff-curated playlists are intricate and reliable. For major artists, Apple supplements its “essentials” lists with “next steps,” “deep cuts,” and music that influenced or was influenced by the artist. There are even playlists of the best covers of certain artists.
  • Compilation streams on SoundCloud: On “Vintage Obscura Summer Mix 2014,” I found the Smiles original “I Am Just a Star on a Democratic Flag,” which you won’t find on Spotify or Apple Music. (You will find a beautiful, if less haunting, cover by Pink Flames.)
  • Compilation streams on YouTube: The internet is really into the stream “lofi hip hop radio – beats to relax/study to,” stream. Gaming site Polygon even made a parody, lofi chill beats X hip hop study X waluigi. The 7clouds account runs 7 live streams of good background music.
  • /r/vintageobscura is the source for that summer mix; all entries are obscure tracks from 1900 to 1989. Most entries link to YouTube, home of all rarities. You’ll find more mixes and genre filters in the right rail.
  • NPR’s Tiny Desk Concert series is a fun listen in itself, but it’s also a cool way to get a “live” introduction to an artist. Most of the concerts are 15-20 minutes, the correct length for a music set. If there’s anything wrong with discovering music this way, it’s that everyone sounds their best behind the tiny desk.
  • Similarly, the A.V. Undercover series brings in bands to play covers of famous songs, from a tracklist hand-picked by Lifehacker sister site the A.V. Club. If you like the “cheesy song played straight” trope, there’s plenty here for you—try Atlas Genius’s cover of Hootie and the Blowfish’s “Only Wanna Be With You.”
  • You probably already bump into covers when you’re looking for music. Try collections of covers of your favorite artists (Spotify probably has a cover for every Beatles song), to find groups that might have a different sound, but share your love of the first artist.
  • Vice News Tonight has a tragically overlooked segment called New Music Corner in which they ask musicians to comment on new releases from other acts. This construct leads to surprising moments like Weezer discussing new tunes from Bjork and Kelly Clarkson, Yo La Tengo being baffled by a new David Byrne record, Andrew W.K. somehow finding glee in every scrap of recorded sound, or Liam Gallagher walking off the set for being subjected to modern music. Finally, a way to experience new music while watching Run The Jewels beef with Sheryl Crow.”—Rex Sorgatz, author
  • Subscribe to some music podcasts. Each episode of Song Exploder breaks down one song’s inspiration, composition, and production. That’s where I first heard Ibeyi and Mitski. It’s also a good place to rediscover older acts in a new phase of their careers.
  • “The podcast Reverberation Radio is just a weekly playlist. Most songs not on Spotify though,” says Beth Griffenhagen. There are currently 257 available episodes, and in each one, the music feels obscure, like something you heard in a dream.
  • Tumblr has tons of individual music blogs. The good ones—the ones with really obscure shit—can be tough to find. But search Tumblr for band names and dig around til you find a blog that matches your taste. You could start at naquelescaminhos, recommended by Jezebel writer Ashley Reese.
  • Late Night Tales: Each album in this compilation series is curated by a recording artist like the Flaming Lips or Belle and Sebastian. You’ll hear some rarities and deep cuts as the artists try to impress and surprise you. Here’s a sampler from Bandcamp.
  • Check out other releases from your favorite artist’s label. “Follow the labels on Twitter and they’ll tweet support for other bands and labels.”—Pat Cartelli
  • “See who your favorite artists are talking about. I’ve found that often people who work in music—those on top of their discovery game—learn about cool new shit before everyone else simply because they saw a musician they like tweet about it.”—Maria Sherman

Soundtracks

Music rating sites have to churn through everything as it comes in; soundtracks are curated samplers of one particular sound.

  • I first heard a lot of my favorite songs through my favorite TV shows. Some shows (like GIRLS, Atlanta, The Magicians, Divorce, and Mad Men) are just constantly playing bangers. “[Soundtracks] remind me of the poignant scenes they underscore, so the songs alone can elicit that same catharsis & blend of emotions,” says Lou McLaren. “Watch CW shows to hear what the teens are listening to,” says Alicia Adamczyk, personal finance writer at Lifehacker.
  • Same goes for movie soundtracks, which will have a narrower range of sound, but often their own original hits, like Black Panther, Call Me By Your Name, and anything from Wes Anderson.
  • And don’t forget video game soundtracks; sister site Kotaku fell in love with Far Cry 5’s in-game cult radio. The Grand Theft Auto series has always been a home for rarities by good bands. More instrumental soundtracks can make great work/study music. We’re fans of the soundtrack to 2d platformer Celeste, which combines piano, synth, and drums.
  • Look, I’ve not only googled the music from Apple ads, I’ve done it at least five times. Apple has a good ad agency! They pick the songs because they’re catchy! I’m not ashamed but I feel like I’m supposed to be! AppleMusic.info lists the music from Apple commercials from 1984 to 2017.

Spotify and Apple Music

There are loads of features beyond “Discover” for finding new music. And some of the best have nothing to do with algorithms.

  • Watch the social feed on the Spotify right rail, says Drew Olanoff. And dig through your friends’ public playlists.
  • If you haven’t searched Spotify for incredibly specific playlists, just to see if they exist, you’re missing the best part of the app. Start with the musical toyboxes we covered.
  • Listen to the thousand-song Spotify playlist of music from The Best Show, says Twitter’s jitka. This weekly comedy show plays a wide variety of new and old songs.
  • Search for Spotify Sessions, exclusive recordings from big artists. Apple Music also features exclusives on its Browse tab.

The World

Did you know music exists outside your computer?

  • Do you always hear good music in the local coffeeshop or bar? When the staff isn’t busy, they would probably love to tell you all about it. Like, you might get dragged into a music lecture. But really, just ask them.
  • Because everywhere else, where the staff didn’t pick the music, you’ll have to ask Soundhound or Siri. And usually that will work, but you won’t hear about all the other related shit. You won’t connect with a real human being, maaan.
  • You wanna connect? Show up at local shows. Or just make a habit of choosing a bar with live music—I get antsy at shows, so I like this low-commitment option, where the band complements the drinks and not the other way around.
  • The radio tends to be a terrible place to find new music; it’s the ultimate in “played to death.” But find your local college radio station, where the kids are more interested in impressing you than playing the hits.
  • Public radio is similarly unconcerned with hits, and if (like me) you’ve barely listened to it since the iPod came out, you’ll be happy to find that many public radio stations are diversifying from the old “classical and jazz” mix.
  • “I think the most underrated (and coolest) way to discover new music is to just see who your favorite acts are touring with, who they’re bringing on as openers. Like goddamn Lorde has Run the Jewels and Mitski out with her right now.”—Maria Sherman

This post originally appeared on Lifehacker.

The Antikythera Mechanism

The Antikythera Mechanism

Computer from ancient Greece

The ancient Greeks were responsible for such marvels as the catapult and the camera obscura. They invented the astrolabe, a forerunner of the sextant, which aided marine navigation by (among other things) measuring the angle between the horizon and the sun or other celestial bodies. By the end of the first century BCE, they had even invented the odometer, which measured the distance a cart or carriage traveled. So when it comes to engineering, they were no slouches. When it comes to preserving their most advanced inventions for posterity…well, that’s another story. At the beginning of the 20th century, historians were shocked to learn that Greek thinkers had built a rather sophisticated analog computer in the neighborhood of 82 BCE and then, astonishingly, left no record of its existence.

Low Gear

In 1900, a ship carrying Greek sponge divers was blown off course in a storm. They anchored near the small island of Antikythera, and decided that as long as they were there, they might as well dive and look for sponges. What they found instead was a shipwreck, under about 42 meters (140 feet) of water. Returning later with a navy ship, the divers recovered many artifacts from the sunken vessel, including marble and bronze statues. Archeologists who examined the pieces and other evidence reliably dated the shipwreck at around 65 BCE (give or take 15 years). But one of the archeologists noticed that a clump of bronze contained what appeared to be gears—an astonishing discovery, since that would make it the world’s oldest surviving geared mechanism. Further examination showed that the object was originally a wooden case holding about 32 bronze gears, with several dials on the outside. Over the centuries, the bronze had corroded, the wood had deteriorated, and the whole mass had accumulated heavy calcium deposits. But some inscriptions on bronze plates were still legible, and researchers began the painstaking task of reconstructing what the device must have looked like when it was made.

The first thorough description of the device—based solely on visual inspection and measurements—was published in 1959. Later evaluations included crucial additional details from X-ray and gamma-ray analysis, among other techniques. And eventually, in 2008, researchers were able to build a complete, working replica of the device. It turned out to be a clockwork-like mechanism designed to display the progress and positions of the sun, moon, and all five of the other planets known at the time (Mercury, Venus, Mars, Jupiter, and Saturn) over a period of 19 years, along with solar and lunar eclipses and the years of the Olympic games. In other words: it’s an analog astronomical computer. It had apparently been built several years before the shipwreck—most likely in 87–82 BCE, though some believe it could be as old as 205 BCE.

It’s All About Us

That’s cool, but it gets even better. At the time the Antikythera mechanism was built, the Greeks still believed the entire universe revolved around the Earth. This caused tremendous problems for predicting the orbits of the planets, which from our perspective do not follow nice elliptical paths. So in order to make this mechanism account for the data, its designer had to invent entirely new arrangements of gears. One of these was the differential (a primitive version of what is found in modern cars)—which, until the discovery of the Antikythera mechanism, was believed to have been invented in the 13th century. As for the overall device, nothing similar is known to have existed until about 1000 CE.

One reason historians find all this so interesting is that previously (in the absence of any reliable evidence to the contrary), the ancient Greeks were believed to have terrific theoretical knowledge when it came to astronomy, physics, and math, but little skill in the way of practical application. Sure, there were occasional remarks about an actual device. Cicero, for example, mentioned (at about the time the Antikythera mechanism was created) a device “recently constructed by our friend Poseidonius, which at each revolution reproduces the same motions of the sun, the moon and the five planets.” But since there was no evidence of these devices, few people took such claims literally. The discovery of the Antikythera mechanism changed all that.

We do not know for certain who created the device. The biggest mystery surrounding the Antikythera Mechanism, though, is why and how all records of this technology disappeared. Surely this could not have been the only such device ever created. If technology this important was in use at the time, it stands to reason that there would have been many other similar devices in existence, and that some of those would have survived to this day. But not only is this the only one, it’s a fluke that we even know about this one at all. What other ancient technologies may have existed that we don’t know about? The answers are probably lying out there—right where you’d least expect them.

Note: This is an updated version of an article that originally appeared on Interesting Thing of the Day on April 28, 2005.

Image credit: Joyofmuseums [CC BY-SA 4.0], from Wikimedia Commons


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Author: Joe Kissell

National Inventors’ Day

Portrait of Thomas Edison

Today we celebrate the contributions inventors have made to the world. Every February 11 since 1983 has been National Inventors’ Day in the United States, as proclaimed by President Ronald Reagan. It’s just coincidentally Thomas Edison’s birthday, too! He’d be 172 today. So hug your favorite inventor today. (Or, I mean, if you’re an inventor, you should totally use that automatic hugging machine you built for yourself!)

Image credit: Louis Bachrach, Bachrach Studios, restored by Michel Vuijlsteke [Public domain], via Wikimedia Commons


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Author: Joe Kissell

New Orleans Walking Tours

Chris Brooks [CC BY-ND 2.0], via Flickr

Ghosts, vampires, and history

The first time I visited New Orleans, I didn’t know anything about the city except that it was legendary for its Mardi Gras celebrations. But the more I learned about New Orleans, the more I came to love it. The history of the city is immensely colorful and complex. New Orleans has some of the most distinctive cuisine in the United States, a well-earned reputation as a center of music and culture, and a vibrant nightlife. But what I find most interesting about the city is its rich collection of legends and myths. The best way to learn about them is to take one of numerous walking tours of the French Quarter.

The Spanish French Quarter

The French Quarter—the focal point of the city for most tourists—is a well-defined area of about 13 blocks by 7 blocks, bordered by the Mississippi River on the south. This was the original city of New Orleans, established by French settlers in 1718 and controlled by France until 1762, when it was given to Spain. The city remained under Spanish rule until the early 1800s, when it was secretly returned to France, only to be immediately turned over to the United States as part of the Louisiana Purchase. The French Quarter is so named because for many years it was the district in which the majority of the French-speaking population lived. However, much of the original city was destroyed by massive fires in 1788 and 1794. Since Spain was in control during that time, the new buildings for the most part reflected Spanish architecture, and that is what survives today as the French Quarter. Most buildings are only three or four stories high. Wrought-iron balconies extend over sidewalks in the business district, and louvered shutters cover most windows and doors. The French Quarter has the feeling of being very old—for a North American city—largely because of strict construction rules designed to protect the historical character of the buildings.

But it’s not just the old buildings that give the French Quarter its unique vibe. The traffic usually consists more of pedestrians and horses than cars. Every other door seems to lead to a restaurant or bar, and people walking down the street without a beer or margarita in their hands seem out of place. You never have to walk more than a few blocks to find a voodoo shop, antique store, or “gentlemen’s” club.

As I was wandering around the French Quarter during my first visit to New Orleans, I kept seeing signs and brochures for walking tours—particularly “ghost” tours. I thought a tour might be a good way to get to know a bit about the city, and I was curious about the whole ghost angle. So I showed up at the designated location one evening, paid my US$15, and set out with a guide and about a dozen other tourists to see what mysteries we could uncover.

We visited a number of historical sites and heard about the many groups of people who shaped the city’s culture: the French and Spanish, Cajuns, Creoles, and free people of color. But New Orleans has also been a hangout for pirates, slave traders, and rogues of all stripes. As a result, a great many gruesome murders have taken place in the city, not to mention infamous suicides, executions, and deaths caused by the great fires. So it’s little surprise that many of the buildings in the French Quarter are said to be haunted.

Spirits and Spooks

The typical tour guide spiel includes a heavily embellished history of a building’s former owner, the events leading up to the significant deaths, and anecdotes about recent sightings of ghosts, mysterious sounds, or curses that have supposedly kept buildings uninhabited for decades. The stories are all entertaining, even though it’s sometimes difficult to tell at what point the history becomes myth. But not all the tales are apocryphal, and some are quite chilling. At one point, our tour guide stopped us and said, “Notice that blood-red house across the street. This building was once home to one of the most notorious characters in New Orleans history: Richard Simmons.”

Plenty of companies offer walking tours of the French Quarter, each with its own twist. Some are highly theatrical, with tour guides dressed as pirates or vampires; others offer a more conservative approach that emphasizes historical accuracy. There are ghost tours, vampire tours, witchcraft and voodoo tours, cemetery tours, and so on. There are also walking tours of the city’s Garden District across town, where the main attractions are lavish houses and beautiful landscaping. I’ve taken perhaps half a dozen different walking tours in New Orleans. Some were better than others, and there were certainly instances of overlap and contradiction. But judging by the number of interesting things encountered per hour (or per dollar), walking tours are the perfect way to combine education and entertainment as you explore New Orleans.>NewOrleansOnline.

Note: This is an updated version of an article that originally appeared on Interesting Thing of the Day on May 17, 2003, and again in a slightly revised form on November 16, 2004.

Image credit: Chris Brooks [CC BY-ND 2.0], via Flickr


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Author: Joe Kissell

National Flannel Day

Flannels

It seems like just yesterday we were celebrating National Seersucker Day, and who can forget the wild revelry of World Terrycloth Week? Of course, every fabric has its day, but today, in the middle of winter (in the Northern Hemisphere), we celebrate the comfy, cozy warmth and softness of flannel. I have a few flannel shirts that I just love, and I’ll be wearing one of them today. I’m afraid I have to draw the line at flannel sheets, which are too warm for my liking, but if that’s your thing, hey, go for it today.

Image credit: Louis Beche [CC BY 2.0], via Wikimedia Commons


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Author: Joe Kissell

Portmeirion

Portmeirion

The Folly of Sir Clough Williams-Ellis

World-famous architects like Frank Gehry, Renzo Piano, and Rem Koolhaas often make headlines for their daring and creative buildings, but the vast majority of architects spend their time on more down-to-earth projects, like schools and fire houses. Their work is dictated by the needs of their clients, and their creativity is in service to solving any problems these needs might entail. But what happens when architects are given free rein? What do architects do for fun?

It is easy to imagine that Julia Morgan, the architect who designed Hearst Castle, enjoyed creating that fantastical world to Hearst’s specifications, or that Eduard Riedel, the architect of King Ludwig II of Bavaria’s Neuschwanstein Castle, found some pleasure in recreating a medieval castle in the 19th century. But these architects were still limited by the wishes and whims of their employers, unable to express themselves fully.

In comparison, the English-born Welsh architect Sir Clough Williams-Ellis (1883–1978) found a way to realize his dearest architectural dreams on his own terms. After purchasing a particularly beautiful piece of property on the northern Welsh coast in 1925, Clough set out to create a wonderland of architectural whimsy that he called Portmeirion (after the coastal setting and the Welsh name of the local county, Merioneth). The result of Clough’s work is a colorful Italianate village of cottages, towers, fountains, and cobbled streets that has drawn comparisons to the medieval hill towns of Tuscany and the world-renowned Italian coastal town of Portofino.

It Takes a Village

When Clough bought the Portmeirion site in 1925, his vision was not simply to construct individual buildings, but to create an entire town. As The Architects Journal noted of the project in 1926, the “results of his [Clough’s] scheme will be significant and should do much to shake the current notion that although houses must be designed with due care, towns may grow up by chance.” Over the next 50 years, this vision of Portmeirion began to take shape under Clough’s leadership, with construction occurring in two phases: from 1925 to 1939, and from 1954 to 1976.

Another part of Clough’s vision for Portmeirion was that it help to prove that beautiful natural spaces could be developed for commercial use without ruining their beauty, what he referred to as “that strange necessity.” His choice of this particular site, a peninsula in the Snowdonia region of Wales, was no accident. He wanted to draw visitors to the area, and the balmy microclimate and coastal views of Portmeirion proved attractive even when the town had not been fully developed. In fact, early on Clough raised money for the construction costs by operating a hotel out of an existing building.

In this respect, it could be argued that Clough was a forerunner to the modern pursuit of sustainable development, the attempt to provide economic benefit while preserving natural resources. Clough cared deeply about environmental protection; he not only served on various councils related to this goal, but was also a strong advocate for the creation of national parks in England and Wales, most especially for Snowdonia National Park in Wales.

Clough’s architectural credo, “Cherish the Past, Adorn the Present, Construct for the Future,” is in keeping with his passion for sustainability. At Portmeirion, Clough honored the past by salvaging old structures from demolition sites, relocating and renovating them to become part of what he called his “home for fallen buildings.” The vivid colors and enchanting streets of the town show Clough’s obvious love for “adorning the present,” while his larger vision of preserving the environment by pursuing limited economic development gives meaning to “constructing for the future.”

Escape to Portmeirion

Portmeirion has become a prime tourist destination for visitors to North Wales; visitors can see the town during the day, or may opt to stay the night in the main hotel, in serviced rooms located in the village, in self-catering individual cottages, or at the Castell Deudraeth, a Victorian castellated mansion on the estate. Tourists are drawn by the town’s legendary beauty, but it does have another claim to fame.

In 1966, Portmeirion was the setting for the filming of the British TV show The Prisoner, starring the popular stage and screen actor Patrick McGoohan. Although the show ran for only 17 episodes in 1967 and 1968, it became an enormous hit, and fans continue to be interested in every aspect of its production, including where it was filmed. As part of this interest, the official fan club of The Prisoner, Six of One, holds a convention in Portmeirion every year.

In these and other ways, the popularity of the town Sir Clough Williams-Ellis built lives on, over 40 years after his death. Although he may have created Portmeirion to satisfy his own architectural visions, he succeeded in bringing these dreams to life for the benefit of countless others.

Note: This is an updated version of an article that originally appeared on Interesting Thing of the Day on December 15, 2006.


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Author: Morgen Jahnke

Read in the Bathtub Day

Woman reading in a bathtub

Today is Read in the Bathtub Day, which is to say Saturday. Don’t most of us read in the bathtub at least once a week? Well, I’ll put it this way: normal, sane people read in the bathtub regularly, and by that metric at least, I am both normal and sane. (Pauses to reflect on the implications…) Now, I’ve been reading in the bathtub pretty much since I was old enough to read, and over years of intensive practice, I’ve developed the skill of, you know, not getting the book wet. But if you lack such a skill, if (like me) you prefer to read ebooks, or both, there’s a great solution. The latest Amazon Kindle Paperwhite is waterproof and prices now start at just $99.99. Now run a nice hot bath and get reading!

Image credit: Book Catalog [CC BY 2.0], via Flickr


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Author: Joe Kissell