Simple Tips For Getting Your LoanWritten by T. O' Donnell
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If your spending is out of control, don't put your home at risk by getting a home equity credit line to pay off your credit-card debts. Shop for rates when market is calm. Rates change from day to day, so compare lenders. The quotes you get should all be from same time period. Submit a neat application form; it shows you're business-like and efficient. It will be read and assessed by a human being; appearances count. Only pay up-front fees to well-known institutions, or ones highly recommended by trusted sources. Don't sign documents without reading them. As soon as possible, before you close deal, review documents you'll be signing, and make sure you understand them, so you won't have to sign them in a hurry. Keep a copy of every cheque you write for your loan. If you call your lender about your loan, make sure you get full name of person with whom you speak. Make a note of it. You may be dealing with a large bureaucracy, and will need to refer to this conversation later. If you find yourself in a dispute with a lender, don't send correspondence to same address you send your payment. You need to deal with decision-makers, not account clerks.
About the author: T. O' Donnell (http://www.tigertom.com/personal-loans-uk.shtml) offers personal loans, advice, an ebook and a loan calculator, in London, UK.
| | Toilets in Modern ArtWritten by Angelique van Engelen
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The work was inspired by collapse of Soviet Union, which to artists minds demanded an embracing of genre ‘total installation’. This is first work in which Ilya Kabakov encompassed an entire range of personal memories and reproduced them. His toilet shows shabby walls of white lime, covered by obscene graffiti in which toilets without any doors are placed. They epitomize Russian idea of civilisation even more because they were communal, just like ordinary people's residences. People believe that in exile, Ilya Kabakov's work has become more unified and total. Kabakov and his wife created more than 200 installations in a number of different countries. They are concept artists closely associated with Russian NOMA group and steer clear of producing pop art, a strong contemporary art movement in Russia. Kabakov does not want his work to look as if it could be included in an advertisement. He has chosen to focus on ordinary everyday life in an old fashioned effort to chronicle its bleakness. “Too banal and insignificant to be recorded anywhere else, and made taboo not because of their potential political explosiveness, but because of their sheer ordinariness, their all-too-human scale”, as one writer puts it. The Toilet in Corner is now on permanent display in State Hermitage. One Belgian, Jan de Pooter, also more or less a contemporary concept artist, is also driven by urge to document. He has made an inventory of collapsing public urinals of his home town Antwerp. He also made a portable urinal and christened it "pisse-partout". It is a portable device that allows one to have a pee at any place in complete serenity... In creating his ‘urinal art’, De Pooter isn’t first to draw public attention to public conveniences in city. They even derive their official name "Vespassiennes" from Roman emperor Vespacianus who lived in 68 AD. On this ruler’s list levying taxes on public toilets throughout his empire came after building Colloseum, ending Nero's misgovernment and persecuting Jews. When he got complaints about it he used famous words: (pecunia) non olet! Money does not smell. Which was rather a civilized thing for time.
Angelique van Engelen is a freelance writer living in Amsterdam, the Netherlands. She writes for www.contentClix.com and also contributes to a blog writing ring http://clixyPlays.blogspot.com
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