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Online Banks For Bad Credit Auto Loans 5 Things To Look For

April 14, 2018July 12, 2017 by

By Everett Maclachlan

You may relate to the experience of thousands of others who are in need of a car but who cannot seem to find a bank who will approve them for an auto loan. If so, you already know the frustration a person can feel when they are not able to get behind the wheel of their own car just because their credit score is too low.

The fact is, a person’s credit score does not tell the whole story about whether a person is creditworthy. Rather, there are a number of factors that should be taken into consideration. Unfortunately, 99% of banks out there only look at your credit score when deciding whether they will approve your auto loan application.

The good news is that you can find online banks that will extend you a bad credit auto loan. The key is knowing how to look for the right lending bank, how to prepare for applying for a car loan, and how to carry out the application process.

If you are interested in finding online banks for bad credit auto loans, here are 5 things to look for:

1. Be sure they advertise themselves as a bad credit auto loan bank:

[youtube]http://www.youtube.com/watch?v=hQCvvlfnPEg[/youtube]

Banks are not all the same. If you just walk into a local bank branch to apply for an auto loan – and you have a bad credit score (say, a FICO score under 600) – you are likely to get rejected for a loan on the spot. However, if you look for a “bad credit auto loan” bank, you are much more likely to find one that will approve your application. These banks specialize in working with people who have less-than-perfect credit but who need an auto loan.

Do some online research and make a list of at least 5-10 banks who advertise themselves as bad credit auto loan lenders.

2. Find a bank that you can trust:

Banks come in all shapes and sizes. How can you know which type to choose? Well, you need to start by finding one that you can trust. And, remember, it is not necessarily the big banks that are the most trustworthy: there are countless stories each month about judgments in court made against many big-name banks, whereby the court has found the banks acting in inappropriate ways.

Once you have your candidate list of banks (see #1 above), do some research via online discussion boards to find out any positive or negative comments about them. Take careful notes!

3. Make sure they are FDIC insured:

Before applying with any lender, do a quick check with their website to make sure they are FDIC-insured. This is the sign that they are a legitimate bank with everything in order.

4. Check your credit score before applying for a loan:

Now, run your latest credit report to find out your current score; it may have changed since the last time you checked it. Also, be sure to make a note of any items you find there.

5. Shop to get yourself the best loan rate:

Now, it is time to start shopping. The biggest mistake many would-be auto loan borrowers make is to just apply to one bad credit car loan bank, get accepted, and move forward with that bank. But, doing so without shopping around further could put you in jeopardy of not getting the best-possible deal.

Look for these 5 things as you find the right online bank for bad credit auto loans.

About the Author: Get a list of online bad credit auto loan lenders at:

Best Car Financing Banks

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How To Cut Calories}

February 27, 2018July 12, 2017 by

How to Cut Calories

Aldrich alfred

Hey everyone, as you know cutting calories in order to lose weight can be really tough. There are many ways however of cutting calories, one such ways of losing weight can be achieve is while you are preparing your food. I came up with a routine that will cut calories while preparing food. Let’s talk about them now!

You should maintain a food diary for at least fifteen days and write everything that you consume in that diary. Now, everything means everything except for plain water. Even if you take your tea and coffee without milk and sugar, it should still go there. At the end of the day review that diary. The review will help you to understand how many unnecessary calories you have consumed, and how you can cut those unnecessary calories.

Find out your daily caloric needs and set a goal for your target daily intake. You can calculate how many calories you need to maintain your current weight easily online. Don’t set yourself up for failure by depriving yourself of too many calories too quickly.

The next step is on how you cook your food. If your going to cook your food in a frying pan with a whole bunch of grease, that is going to pack the calories. It’s actually healthier to cook your food on a grill rather then frying it if you can. This is because the grease drips down into the grill. It won’t contain as much fat and will contain less calories.

Most fresh whole foods are naturally low calorie. You can eat more for less calories. If you want to lose weight fast and never feel deprived – eat more fruits, veggies, and healthy grains. Plant foods take up space in your tummy so you feel satisfied and that makes you less likely to grab those high calorie fattening junky foods.

Unfortunately that is not how our bodies are programmed to work. Humans are a survival type of animal and have developed over time so that fat is stored for when it may be required. By not consuming enough calories our bodies think it is starving which makes it want to keep the fat already stored.

The strategy to eating more and cutting calories is to eat those foods that are normally avoided in the diet. These would be the fresh fruits and vegetables. Most people do not like the taste of these and do not find them satisfying. When you are hungry, eating some baby carrots does not give that full feeling that other foods give.

At your workplace, avoid unhealthy habits such as drinking too much tea, coffee or smoking. If you want to live a healthy and a balanced life then you need to make some changes at your work place like drinking 3 to 4 cups of green tea rather than going for a coffee or tea, avoiding junk foods, and drinking a lot of water throughout the day.

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10-year-old Oklahoma girl found murdered

July 12, 2017July 12, 2017 by

Sunday, April 16, 2006

Police in Purcell, Oklahoma, about 40 miles (64 km) south of Oklahoma City, on Friday discovered the mutilated body of a ten-year-old girl in the apartment of a man who lived in the same apartment complex.

The body of Jamie Rose Bolin was found in a storage bin in the bedroom closet of Kevin Underwood, 26, said Tim Kuykendall, district attorney for McClain County. Underwood has been arrested on suspicion of first-degree murder and is being held without bail. He has no criminal record or history of mental illness.

The girl was last seen on Wednesday near the Purcell public library, and her family reported her missing that night. Officials waited until Thursday night to issue an Amber Alert because no abduction was reported.

Underwood reportedly drew the suspicion of law enforcement at an information checkpoint set up at the apartment complex. Among the other items found in Underwood’s apartment were a decorative dagger, a hacksaw, barbecue skewers, meat tenderizer, and a wooden cutting board, according to police.

Preliminary autopsy reports find that the girl died of asphyxiation and blunt force trauma to the head. Deep saw marks found on the body indicate that the suspect attempted to decapitate the girl, say authorities. As the body was found unclothed, police also suspect that Bolin was molested after she died.

“Regarding a potential motive, this appears to have been part of a plan to kidnap a person, rape them, torture them, kill them, cut off their head, drain the body of blood, rape the corpse, eat the corpse, then dispose of the organs and bones,” Purcell police chief David Tompkins said.

According to Kuykendall, Underwood said he began fantasizing about eating someone a year ago. The prosecutor added that authorities believe “that while she was ultimately chosen to be the victim of this horrific crime, that other people had been targeted and considered,” including a woman and a 5-year-old boy. He added that this was one of the most atrocious crimes he had seen as district attorney, and that he intends to seek the death penalty.

Adele and David Bowie each win five Grammys

July 12, 2017July 12, 2017 by

Wednesday, February 15, 2017

On Sunday, British singer Adele won five Grammy Awards at the 59th Grammy Awards event in Los Angeles. David Bowie posthumously won five Grammys.

Adele won Song of the Year, Best Pop Solo and Record of the Year for her song Hello, and Album of the Year for her album 25, becoming the first singer to win the Song of the Year, Record of the Year, and Album of the Year twice.

David Bowie was nominated in five categories — three for his album Blackstar in Best Alternative Music Album, Best Engineered Album, Non-Classical, and Best Rock Performance; and two for his song Blackstar, Best Rock Song and Best Rock Performance. Days after releasing his 25th album, Blackstar, Bowie passed away in January 2016, due to cancer. Before Blackstar, Bowie won a Grammy for his music video Jazzin’ for Blue Jean, and Lifetime Achievement Award in 2006, never winning the award in a major category before.

In the event, singer Bruno Mars paid tribute to music icon Prince, replicating style, costumes, and guitar of Prince’s. Minneapolis-based funk band The Time, who had performed with Prince, paid tribute to the singer who passed away in April at the age of 57. Adele, in her performance, paid tribute to George Michael. While performing, Adele stopped, swore, and restarted. She later apologised, saying “I am sorry for swearing and I am sorry for starting again, I can’t mess this up for him[…] I am sorry, I can’t.” British pop singer George Michael died on Christmas Day of heart failure at the age of 53.

Adele was in tears while receiving Grammy for the Album of the Year. In her acceptance speech, she said, “But I can’t possibly accept this award. And I’m very humbled and I’m very grateful and gracious. But my artist of my life is Beyoncé. And this album to me, the ‘Lemonade’ album, is just so monumental. Beyoncé, it’s so monumental. And so well thought out, and so beautiful and soul-baring and we all got to see another side to you that you don’t always let us see. And we appreciate that. And all us artists here, we fucking adore you. You are our light. And the way that you make me and my friends feel, the way you make my black friends feel, is empowering. And you make them stand up for themselves. And I love you.” Other albums in the pool, besides 25 and Lemonade, were Justin Bieber’s Purpose, Drake’s Views, and A Sailor’s Guide To Earth by Sturgill Simpson.

Earlier, while receiving award for the Record of the Year, Adele said, “My dream and my idol is Queen Bee [Beyoncé], and I adore you and you move my soul every single day and you have done for nearly seventeen years”. Other songs nominated in the category were Beyoncé’s Formation, Work by Rihanna, 7 Years by Lukas Graham, and Stressed Out by TWENTY ØNE PILØTS.

Beyoncé received the largest number of nominations for the event — nine — but she won only two. Her album Lemonade won Best Urban Contemporary Album and her song Formation won Best Music Video.

Chance The Rapper won Best New Artist, and claimed Best Rap Performance for No Problem and Best Rap Album for Coloring Book. Chance’s songs were never sold, and were available for free on streaming services.

The new host James Corden took a pratfall on the stairs while entering. The duo TWENTY ØNE PILØTS won Best Pop Duo/Group Performance for their song Stressed Out. Upon announcement, they removed their pants to accept the award. Sharing an incident of watching Grammys before the duo was famous, Tyler Joseph said Josh Dun proposed if they were to receive a Grammy, they would receive it in their underpants as they were in underpants watching the award ceremony at the time. In his acceptance speech, he said, “I want everyone who’s watching at home to know that you could be next. So watch out, because anyone from anywhere can do anything.”

New study claims Stonehenge was a place of healing

June 21, 2017June 21, 2017 by

Thursday, September 25, 2008

Archaeologists Timothy Darvill of Bournemouth University and Geoff Wainwright, President of the Society of Antiquaries, claimed to have found evidence that Stonehenge was once a center of healing. In an excavation conducted at the site, a large number of human remains were found that display signs of physical injury or disease. Study of the teeth from the skeletons indicates that about half of them were from outside the area.

A large number of bluestone or spotted Preseli dolerite chips found during the excavation led the researchers to conclude the stones were venerated for their healing properties. It is believed that about 80 of such bluestone blocks were transported from the Preseli Hills in Pembrokeshire, Wales to the Salisbury plains. The inner circle of bluestones are the earliest stone structures found in this site. Later bluestones were encircled by the imposing sandstone monoliths of sarsen stones. “It could be that people were flaking off pieces of bluestone, in order to create little bits to take away… as lucky amulets,” said Professor Darvill.

	Stonehenge would attract not only people who were unwell, but people who were capable of [healing] them.

Radiocarbon dating indicates that the original bluestone circle was built around 2300 BC. This date coincides with the burial of “Amesbury Archer“, whose tomb was discovered near Stonehenge. The skeleton of this man reveals that he had serious knee injury and tooth problems. Researchers therefore conclude that the Archer came to Stonehenge to be healed.

Dating of charcoal fragments revealed that the site was inhabited as early as 7200 BC by groups of hunter-gatherers. This is more than 3500 years earlier than previously known.

Glass Block Walk In Showers More Style And Less Maintenance}

November 3, 2017June 20, 2017 by

Glass Block Walk In Showers – More Style and Less Maintenance

Mike Foti

You want to spend more time enjoying your home and bathrooms than cleaning them. If youd like to stop bending down to clean those messy shower rails and film off the shower doors then a glass block walk in shower might be the right solution. Glass blocks are easy to clean, low-maintenance, highly durable and come in a wide variety of styles. In addition a glass block shower can be installed on a solid surface tile, marble or granite base or a pre-formed acrylic base so they can be designed to fit in any home or commercial application.

Benefits of glass block showers and walls include:

Looks provides a cool, clean contemporary look. Many designers are now combining the contemporary look of the glass block in traditional interior designed bathrooms creating a more eclectic design approach.

Easy To Clean – Several glass block patterns are designed to minimize spotting and residue in a shower applications. Consider patterns like Icescapes and Decora from Pittsburgh Corning or Wave from Mulia. Glass block clean easily with just soap and water.

Durable – Glass Block is sturdy and mortared together unlike some flimsy shower wall systems that are only caulked to the walls.

Light Transmitting – Opening up a shower with glass block will often create a brighter space on the interior of the shower making it safer and more open.

Privacy – Unlike clear shower wall systems glass block can obscure views creating increased privacy.

Design Flexibility and Color Glass Block options Computer aided design programs are available to design glass block walls into spaces. In addition there are now colored glass blocks, glass block with designer patterns, glass block with beveled edges the options have expanded vastly over the last 5 years.

Glass Block Walk in Showers on a Tile, Marble, Granite or Solid Surface Base

Glass blocks can be installed onto a solid surface tile, marble, corion, or granite base to match virtually any bathroom dimension. With the use of specialized layout cards the glass block base can be designed to fit the shape youd like. The base and tile walls are then built by a tile or general contractor. Once this is completed the glass blocks walls can be installed on top of your base. Most of the bases have a 4 to 5 inch curb although these showers can be designed without a curb so those with special needs can roll into the shower as well. The glass block walls are either installed on the job site (one by one) or in some cases can be prefabricated with a specialized system called Vinyl Stack which can save labor costs in the field and often improves the finished quality of the installation.

Preformed Glass Block Walk In Shower Systems

One preformed glass block walk in shower system measures 72 x 51 and is easy for you and your builder/remodeling/glass block installation contractor to design with because it comes in 7 different colors and pre-formed acrylic base. This system has grown over 40% the last 5 years according to Pittsburgh Corning, the manufacturer of the product. Because you walk into this shower system through a curved wall you can eliminate cleaning the bottom of a shower door ever again. The acrylic material is durable and easy to clean as well.

Other popular uses of glass blocks include windows above soaking or Jacuzzi tubs in master bathrooms, windows in garages and walk-in closets to let in light while maintaining privacy, basement windows, and above tub surrounds in childrens bathrooms. Glass block is used to increase privacy, improve security, create a modern look, and increase light transmission from room to room.

Mike Foti President, Columbus Glass Block 614-252-5888 mfotigb@aol.com http://www.columbusglassblock.com/shower-wall.aspx (glass block shower and wall)http://www.columbusglassblock.com/products-designer-and-color.aspx (colored glass blocks)

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Can I Receive An Attunement By Distance?}

June 20, 2017June 20, 2017 by

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Submitted by: Martin Donnelly

Is distance healing really possible?

The idea that we are able to send healing to one another through time and space is a concept which can be very difficult to even fathom, let alone accept. It is an idea which seems almost science fiction like and is something which is often met with some doubt or perhaps disbelief.

But as we progress on our healing and meditative pathway, and as we start to do more and more distance healing sessions for people (with consistent results!), it does indeed become quite clear that whilst we may not understand this concept clearly enough, it definitely does seem to have a positive effect on the person receiving the distance healing.

We often hear of many success stories of people who are sending & receiving energy by distance and most notably we can see these stories appearing nowadays through the practice of Usui Reiki.

Understanding the process of an attunement

Now that we understand a little more about distance healing, the next step is to understand what an attunement does. What happens during an attunement and is this so different from distance healing?

For those of you who are unfamiliar with the term attunement, it is typically described as a very sacred process whereby the vibration of an individual (or a living thing) is being raised or attuned to a particular set of divinely guided energetic frequencies.

If that all sounds way too complicated, you may think of the attunement as being a process of receiving access to a very special set of energetic healing tools. Once you have received the attunement, you can then call on these healing frequencies through a variety of ways. Invariably, we are often taught to access these energies through meditation, self-healing and in doing healing work for others i.e. in a healing session environment.

In very basic terms, it is this giving access part which makes the attunement so sacred and so very blessed. By receiving an attunement, it can help to strengthen our connection to the energies being offered through a particular energy based healing system.

Why do I even need an attunement?

It is often said that you must receive an attunement from a fully qualified lineage holder of the energy based healing system you are learning before commencing with your practice. This is a most important point and it is sometimes something which some people ask why it is deemed to be so necessary.

From a philosophical perspective, we should be able to open ourselves up to receiving any kind of energy based healing practices without receiving an attunement. After all, we are all one inter-connected source of divine energy so how can anyone truly say that you cant connect with these energies? And this is most certainly a very valid point!

From a practical perspective though, if you try to practice any form of Reiki or energy based healing without the attunement, you are not really practising with the same intensity as you could be. You havent received the special access to these energies that the attunement provides you with.

As an analogy, you can think of the Reiki energies as being like the sun. You are the grass receiving the lovely sunlight on a clear sunny day. You are warm and receiving benefits. Now think of the attunement as a piece of glass which magnifies the suns rays so that you can quickly feel the heat. This is a good way of thinking about the attunement process and your teacher.

Can I receive an attunement by distance?

The answer here is a little bit of a grey area as we are seeing many newer forms of Reiki and energy based healing offering their attunements by distance. The more traditional forms of Reiki such as Usui Reiki and Karuna Reiki suggest that attunements be provided in person.

Most people would generally agree though that if you can give healing by distance then it is surely possible to also give and receive attunements by distance. And this does definitely seem to be a common-sense answer here, especially as we factor in the divinely guided aspects of these healing practices and the interconnected-ness of all.

Add to this a vast array of lovely and uplifting distance attunement experiences which have been given many times in these newer forms of Reiki (refer below) and you may start to lean towards the idea that to receive an attunement by distance is actually no different than receiving an attunement in person. As always, it is our intention which is so important after all.

From our own experiences, we would also add that the efficiency and effectiveness of the distance healing attunement also seems to strengthen as the senders vibration is raised and expanded.

So let us now look at a few examples of some of these newer forms of energy based healing where attunements can be received by distance. We note here also that most of these practices are offered by donation or suggested donation.

i) Celestine Reiki:

Celestine Reiki is a very uplifting and invigorating set of energies with all attunements being offered by distance and by donation. These attunements are being offered as part of the Unified Pathway To Light and help to connect you with the deeply loving and blissful energies of the new consciousness. The practices are very simple and deeply purifying and can be completed in around 10-15 minutes.

ii) Kundalini Reiki:

Brought through by Mr Ole Gabrielson in Denmark. This mode of healing is offered to recipients by distance for a suggested donation of around $40 per attunement. These attunements combine the Kundalini energies from within us with the universal energy which is Reiki to form Kundalini Reiki. This system is taught over 3 levels and often is less than a week. The healing practices are very simple and easy to learn.

iii) Pathway To Light – The Golden Mile

A series of very unique (and free!) healing attunements for the new consciousness – all offered for free online / by distance. In this system of healing, you are led through a series of healing based attunements which have been divinely designed to uplift your vibration closer towards the love of the new consciousness. There are no meditational or self-healing practices required and each attunement is completed in around 15 minutes. This is now being offered in one very simple and easy ebook format.

iv) Maitrijusha & Maitrijusha(Ni)

A beautiful addition to any healing toolkit. These teachings provide you with a beautiful cleanse as well as a set of two very special Master Healing energies which are used to combine other energetic frequencies. These teachings are best suited to people who are working with many forms of energy based healing.

Conclusions

Whether you can receive an attunement by distance or not depends on your own personal preferences and the type of energy based healing practice that you are wishing to receive an attunement for.

For those of you who are wishing to receive a Usui Reiki attunement, generally these are given in person, although you can now find different Reiki Masters on the internet willing to offer you attunements by distance.

For other energy based healing practices, as you can see from the above examples, you can find a number of different energy based healing systems that provide you with by distance attunements, often by donation (or suggested donation).

Please just take caution before you pay money to someone claiming to offer distance attunements. We would humbly suggest that you do an appropriate amount of inquiry first to ensure that you are in fact receiving an attunement rather than just an airy promise before you make your payment.

Please be sure to review any website carefully and examine whether there is love & light being offered to you in these practices and whether the Master is of a vibrational understanding of the practices that are being taught.

May this information help you on your quest towards more love & light in your life and may your journey forwards be filled with love, joy and happiness!

Namaste.

About the Author: Marty is a mediation consultant, divine assistant and humble seeker of truth and love. He is a Usui Reiki Master, Karuna Reiki Master, Kundalini Reiki Master, Lama Fera Master, a Vajrayana practitioner, a Unified Pathway To Light Teacher as well as a teacher of many other types of energy based healing. It is with love that he aims to inspire and empower people towards understanding their truly divine nature and now works as a co-founder of the not for profit organisation Love Inspiration –

loveinspiration.co.nz

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Colleges offering admission to displaced New Orleans graduate students

June 20, 2017June 20, 2017 by

See the discussion page for instructions on adding schools to this list.Tuesday, September 13, 2005

NAICU has created a list of colleges and universities accepting and/or offering assistance to displace faculty members. [1]Wednesday, September 7, 2005

This list is taken from Colleges offering admission to displaced New Orleans students, and is intended to make searching easier for faculty, graduate, and professional students.

In addition to the list below, the Association of American Law Schools has compiled a list of law schools offering assistance to displaced students. [2] As conditions vary by college, interested parties should contact the Office of Admissions at the school in question for specific requirements and up-to-date details.

The Association of American Medical Colleges is coordinating alternatives for medical students and residents displaced by Hurricane Katrina. [3]

ResCross.net is acting as a central interactive hub for establishing research support in times of emergency. With so many scientists affected by Hurricane Katrina, ResCross is currently focused on providing information to identify sources of emergency support as quickly as possible. [4]

With so many scientists affected by Hurricane Katrina, ResCross is currently focused on providing information to identify sources of emergency support as quickly as possible.

Physics undergraduates, grad students, faculty and high school teachers can be matched up with housing and jobs at universities, schools and industry. [5] From the American Association of Physics Teachers, the Society of Physics Students, the American Institute of Physics and the American Physical Society.

If you are seeking or providing assistance, please use this site to find information on research support, available lab space/supplies, resources, guidelines and most importantly to communicate with fellow researchers.

The following is a partial list, sorted by location.

New York legalizes same-sex marriage

June 20, 2017June 20, 2017 by

Sunday, June 26, 2011

The New York State Legislature passed a bill Friday that legalizes same-sex marriage in the state. It was signed into law by Democratic governor Andrew Cuomo. New York now becomes the sixth and largest U.S. state with legalized same-sex marriage. The practice is legal in Connecticut, Massachusetts, Vermont, New Hampshire, Iowa and Washington, D.C..

Four Senate Republicans including Stephen Saland of Poughkeepsie, Mark Grisanti of Buffalo, Roy McDonald of Saratoga Springs, and James Alesi of Rochester, joined 29 Democrats in support, for a margin of 33 to 29. Grisanti defended his vote, stating “I cannot deny a person, a human being, a taxpayer, a worker, the same rights I have with my wife”. Governor Cuomo referred to the four Republicans as “people of courage and…principle.”

	I cannot deny a person, a human being, a taxpayer, a worker, the same rights I have with my wife

Gay rights activists, who had spent over $1 million to lobby legislators, cheered the passage, which had failed two years before and had been debated for several weeks. Human Rights Campaign president Joe Solmonese exclaimed that “History was made today in New York. This victory sends a message that marriage equality across the country will be a reality very soon.” New York City Mayor Michael Bloomberg hailed the passage as leaving the state “stronger than we were yesterday”.

But detractors of the bill reacted differently. Chairwoman Maggie Gallagher of the National Organization for Marriage blamed the state Republican Party for the passage and argued that “sadly it’s the families of New York who will pay the worst price of the new government-backed redefinition of marriage.” The state’s Catholic Church released a statement that commented that the bill “alter[s] radically and forever humanity’s historic understanding of marriage [and] leaves us deeply disappointed and troubled”.

The new law, which will take effect in 30 days, also allows same-sex couples to be eligible for state marriage benefits.

Semi truck crashes into viaduct in Buffalo, New York

June 20, 2017June 20, 2017 by

Wednesday, April 23, 2008

Buffalo, New York — According to police in Buffalo, New York, no one was injured after a semi-trailer truck carrying paper from Ontario, Canada hit a railroad viaduct, tearing the truck in half.

At approximately 11:00 p.m. EDT (UTC-4) on April 21, an unidentified man driving the truck westbound on Walden Avenue between Wasmuth and Roetzer streets hit the viaduct which tore his truck in half sending debris and cargo over most of the road.

Police describe the truck’s cabin as a “can of sardines.”

“He made it all the way through, but his truck looks like a can of sardines,” said officers on police radio communications who were on scene.

The driver was given a traffic citation and admits he did not notice signs posted along Walden which state the bridge’s clearance.

The street and the viaduct remained closed into the early morning hours of Tuesday April 22. According to Don Poleto of the city’s Public Works office, the bridge was not damaged.