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Understanding your Credit Score
- Nickolas Hudson
- 2 years ago
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1 Understanding your Credit Score
2 Understanding Your Credit Score Fair, Isaac and Co. is the San Rafael, California Company founded in 1956 by Bill Fair and Earl Isaac. They pioneered the field of credit scoring for financial companies. They have expanded their enterprise to cover decision systems, analytics and consulting. Every credit agency, and most lenders, calculate your credit score using software from FICO (Beacon) or in house software based on the FICO rating system. What does your credit score mean? This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 950. There are other scores used by lenders and insurance companies (some of which are developed by FICO) such as Application and Behavior scores. These other scores take other information into account. Usually a lender will use a combination of your credit score with other factors when determining your risk. They all have the same objective, to determine the borrower s potential risk. Regardless of whether the score was generated by FICO or a system based on FICO parameters, they all yield an industry standard three-digit score. This score places the borrower in one of three main categories (we named the third one ourselves.) To learn more about what your credit score means please call: Prime, sub-prime, and shafted Prime : If your credit score is above 680, you are considered a prime borrower and will have no problem getting a good interest rate on your home loan, car loan, or credit card.
3 Sub-prime : If your credit score is below 680, you are sub prime, and will likely pay a much higher interest rate on your loan. Shafted : Below 560 is the shafted score. At least that is how most lenders and credit issuers perceive it. You can still get a credit card but you will likely be hit with a security deposit or high acquisition fee. In addition to that your interest rate will likely be 22 to 23%. You can forget about most home loans and the majority of new car loans at this score. Below 560 is no place to be. You will pay much, much more in higher interest and unnecessary fees. You may even pay more for your insurance rates. A very low score can even prevent you from getting a job with many companies. How much does your low score cost you? Credit Cards Most if not all prime credit cards are entirely out of reach to consumers with bad credit. And the few credit cards that are available to them (known as sub-prime cards) typically require exorbitant setup fees or recurring monthly fees, offer very low credit lines, often require cash deposits, and in most cases do not even report your positive credit activity to the credit bureaus. Automobile Financing If you are making payments on a car, you are probably paying between $5,000 and $9,000 more just for having bad credit. This added interest shows up every month in a higher payment. Take a look. $20,000 car paid over 5 years: CREDIT STATUS RATE PAYMENT COST OF BAD CREDIT Perfect 10% $ $0.00 Mildly Damaged 14% $ $4, Damaged 20% $ $8,593.30
4 Home Mortgage Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit. $100,000 paid over 10 years: CREDIT STATUS RATE PAYMENT COST OF BAD CREDIT Perfect 10% $ $0.00 Mildly Damaged 14% $ $4, Damaged 20% $ $8, As you can see, a low score can cost you hundreds of dollars per month. Which is why it is so important to obtain and maintain as high a score as possible. To find out what your low score is costing you, please call: How are credit scores calculated? The methods of calculating your FICO may differ slightly depending on the credit bureau. When obtaining your score from one of the Credit Bureaus it is important to understand that your score does not come directly from FICO. It is adapted to each bureau and is given its own name: Equifax uses Beacon, Trans Union uses Empirica, and Experian uses Experian/Fair Isaac. These scores are also referred to as your Bureau Scores. Since your score is derived from your bureau data, it will change every time your reports change. However your score is calculated, it will always take into consideration many categories of information. No one piece of information or factor determines your score. As the information in your credit report changes, the importance of one or several factors may change in your FICO score. Lenders look at many things when making a credit decision, including your income and the kind of credit you are applying for. However, your FICO score does not reflect these facts as it only evaluates the information retained by the credit reporting agency.
5 What factors affect your credit score? There are five factors which are used in credit scoring calculations that determine your overall credit score. Previous Credit Performance (Payment History) 35% A lender wants to know what your payment history is like. Have you paid everything on time, are you late on anything now, and so on. Your payment history is just one piece of information used in calculating your score, although it can be the very important. Payment history on your accounts. These include credit cards, retail accounts (department store credit cards), installment loans, finance company accounts and mortgage loans. Collection items and Public records. This includes judgments, bankruptcies, suits, liens, collection items and wage attachments. Most of these are considered quite serious, although older items count less than recent ones. It s all in the details. This includes specific details on late and missed payments. Negative information/late pays are determined using three factors. Recency - How long ago was the last delinquency? How old is the late pay? A 30-day late payment made just a month ago will effect your score much more than a 90-day late payment from five years ago. Severity - What level of delinquency was reached? How late was the payment made? 30 days, 60 days, 90 days or worst of all, is the payment still outstanding. Prevalence - How many credit obligations have been delinquent? The amount of negative items as compared to your total amount of available credit. For instance, 5 accounts showing 3 late payments is much worse than 10 accounts showing 4 late payments. One of the biggest sub factors is how many accounts show no late payments.
6 A good track record on most of your credit accounts will increase your over all FICO score substantially. Current Level of Indebtedness (Amount Owed) 30% How much is too much? Can the borrower pay me and still afford to pay his other bills? Not necessarily. Having available credit can actually help your ratio of debt to available credit. These are the types of questions that most borrowers want to know and the answers are almost as important as your previous credit history. Total amount owed on all open accounts. Paying off your credit cards in full every month, does not mean that they won t show a balance on your report. Your total balance on your last statement is generally the amount that will show in your credit report. Specific types of accounts, such as credit cards and installment loans are scored differently and in conjunction with the overall amount owed on all open accounts. This also factors into your balance on each specific type of account. For instance; you have a credit card with a very small balance and no late pays. Even though the balance is low, this still looks very good as it shows that you are able to manage your credit responsibly How many accounts do you have open and how many have balances? A large number of open accounts, even with small balances, can indicate higher risk of over-extension. This is weighted in your FICO score but most lenders leave it to their discretion as they have access to your income amount. For the most part though it is good not to have too many credit card accounts, three maximum. How much of the total credit that is available to you are you using? In other words, Are you close to maxing out? For example, if you have a credit card with an available credit line of $1000 dollars and you have a current balance of $ or more, then you are nearly maxed out. Several credit cards or other debts with balances approaching the credit limit will effect your score negatively. Even if you have made your payments responsibly. Your FICO score will factor your overall ratio of debt to your overall limits. Want to know what factors affect you credit score? please call:
7 Your score takes into account: How many new credit obligations have recently been assumed? Opening several credit card accounts at the same time can look bad. What FICO looks for is To what extent is this consumer trying to open new credit accounts? How recent were these efforts? How long it has been since you opened a new account. Primary consideration is given to the following: Number of inquiries in last six months Number of trade lines opened in last year Number of months since most recent inquiry There are no good inquiries. Inquiries are typically seen as a request for credit and thus are factored as if you are searching for credit. Every time you fill out one of those credit card applications to get a free hat, you are also getting a free inquiry. Every time you fill out an online application for a credit card, or other type of loan, you are getting an inquiry. Too many inquiries looks bad. While there are no good inquires there are neutral inquiries. These inquiries are most often known as: Consumer initiated. A request for your credit report shows as a consumer inquiry. When you run a credit check on yourself. (provided that you don t call your mortgage broker buddy to pull your report) Pre-Approval. If a potential lender has viewed your credit reports to determine whether they want to offer you a loan, these are not factored into your score. However, once you fill out a credit application, your full report will be reviewed and a bad inquiry will appear on your reports. Periodic Review. Many lenders will periodically review the credit reports of their current customers to see if there have been any major changes to their credit reports. If the lender discovers that your credit score is now too low for their standards, they may close your account. These inquiries created as a result of the periodic reviews are not supposed to be factored into your credit score.
8 TYPE # OF DAYS # OF INQUIRIES NOTES Dept Store 68 Mortgage 65 Mortgage 56 Auto 25 Auto Auto Not counted at all if within 30 days of first inquiry Applied for one dept card Two mortgage apps with in 30 days of each other counts as only on injury These two don t count at all they were within 30 days of the first app and within 15 days of each other Bank Card 5 1 How inquiries are computed is somewhat complex. The above table is meant as a basic guide but does not cover all the different calculations. As a reasonable measure you should avoid unnecessary inquiries. The system is designed to take into account rate shopping but things like applying to credit card offers will add inquires to your file. Types of Credit Experience (10%) A healthy mix of different types of credit, installment loans, retail accounts, credit cards, and mortgage. This score is not normally a key factor in determining your score but it can help a close score. Its not a good idea to try and open different types of accounts just to try and make this factor better. It will likely reduce your score in other areas. You should never open accounts you don t intend to use anyway. What type of accounts you have, and how many, can make a big difference. The optimal ratio of installment versus revolving accounts depends on your profile and differs from person to person. One factor that seems to have significant influence is your percent of open installment loans. Too many can lower this portion of your score. To find out what your score takes into account, please call:
9 Cracking the code. If you are denied credit, you will receive four reason codes which indicate why you were denied. These codes appear in order of importance, below. The first code has the strongest impact, followed in declining impact by the second, third and forth reason. A typical readout your lender might view follows. This particular readout presents information from all three credit agencies. In the example below, the individual failed to qualify for each credit agency and the reasons are listed in descending order. ***** BORROWER: SMITH, JOE M. ***** TU Score: [00623] Reason1=[022] Reason2=[016] Reason3=[028] Reason4=[004] Experian Score: [00629] Reason1=[022] Reason2=[016] Reason3=[028] Reason4=[032] Experian Score: [00617] Reason1=[022] Reason2=[016] Reason3=[028] Reason4=[032] All three credit agencies do not always have the exact same information therefore your three scores will differ slightly. As a general rule though, if you fail to qualify at one agency you are likely to still be denied if one of the other bureaus is checked. Most mortgage loans companies will run all three credit agencies and take the lowest score.
10 REASON EXP. T.U. EQU. Amount owed on account is to high Delinquency on Accounts Too few bank revolving accounts 3 N/A N/A To many account with balances 4 N/A N/A Consumer finance accounts Account payment history too new to rate Too many recent inquiries last To many accounts opened in last 12 mo Proportion of balances to credit limit is to high Amount owed on credit history is too short Length of credit history is to short 11 N/A N/A Lack recent bank revolving information Note that these codes change often, and may not represent the current codes as of this writing. To learn more about cracking the code, please call: Improving your credit score. Now that you know how your score is calculated, you can begin making changes to your current financial planning. The best things you can do are simple. Pay your bills on time. Sounds simple, but this is the biggest thing you can do to keep your score high. Delinquent payments and collections have a major negative impact on a score.
11 Keep your balances low on unsecured revolving debt like credit cards. High outstanding balances can affect a score. The amount of your unused credit is an important factor in calculating your score. You should only apply for credit that you need. Make sure the information in your credit report is correct. If its not, dispute it with the credit agencies and/or with the creditor directly. Removing negative items on your credit reports has the biggest impact on your FICO score. Generally, negative items stay on your reports for seven years but you can hire a professional credit report repair service such as Lexington Law Firm to do it for you.
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Loving ourselves more without hair.
Our Beginning
In 2010, Founder, Nell Coleman, removed her hair to prove a major point, that hair wasn't needed to be beautiful. Hair is a part human experiences, however for her, it was a distraction that needed to be removed to truly see herself. In doing so, she was able to experience the positive and negative emotions that came living day to day without hair. She was able to experience the insecurities that came while dealing with society's standard of beauty. She experienced what it felt like not to depend on something that so many needed to feel and look their best selves. With this experience, The Baldie Movement was created, targeting those who've experienced hair-loss due to cancer, alopecia, and other autoimmune diseases, and building a community who together would teach each other how to walk with confidence, throughout their daily lives, without the need of hair.
"Hair is like an accessory, whether you have it or not, it doesn't determine your beauty of your worth, you do"
Our Mission
The Baldie Movement celebrates, supports, and empowers women and children experiencing baldness due to cancer, alopecia, and other conditions that causes hair-loss, to love themselves more, without the need of hair.
We work to make life beautiful for bald women & children, starting with helping one recognize their beauty first. We pride ourselves on decreasing depression, anxiety, suicidal thoughts, self hate, and increasing self-confidence and self-worth, and empowering bald women and children to walk confidently throughout their daily lives.
of women experience depression due to hair-loss and baldness
of women experience anxiety and depression due to hair-loss and baldness
of women experience suicidal thoughts due to hair-loss and baldness
We want to get to know you better and ensure that we can help you along your hair-loss journey. Take our survey to get started.
"I should add that I NEVER would have considered going outside without a wig... I am closer than ever... thanks to you all!!" - Pat Knight
"I love The Baldie Movement!! I love that we support each other and being in this group has helped me to officially embrace being me, unapologetically!" -Tynesha Hanes
"I love The Baldie Movement. The encouragement has been amazing. Some days I still struggle with my baldness but on those days I always see something posted in the group by one of my baldie sisters that gives me the encouragement I need on this journey...Truly a God sent blessing!!!" - Stephanie Clark
"I honestly wish my rare disease group was this supportive and loving." - Anonymous
"I don't use social media for almost anything else aside checking the group. Some days I am down and need the uplift. Some days I see a sister in need... some other days I just laugh... or get good tips... but moreover I feel understood and at home. It is a place where I feel welcome, understood and never judged. I needed The Baldie Movement. I am so glad I found it." - Julia Vincent
"The most supportive social media group not only with being a baldie but in all aspects of life !!!!I got to walk Brooklyn Bridge with the group walk this summer. It has kept me going and reminds me it's ok to be the real, authentic me!" -Karina Fairchild
"As a woman bald by circumstance, most of my alopecia groups focus on trying to "fix" the bald head. I'm happy those groups exist for people to use as a resource, but The Baldie Movement is only one that encourages me to embrace myself as is before doing anything else." - Laura Flemming

subset: commoncrawl


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'The stakes are high,' Floyd says
"More Christians around the world are being persecuted and killed for their faith than any other time in modern history," said Floyd, pastor of Cross Church in northwest Arkansas. "And with the continual and growing threats of Boko Haram, ISIS and other persecution, we are seeing one of the most severe refugee crises in our generation.
"Simultaneously, with over 6,000 unreached people groups globally, we as Southern Baptists are reducing our mission force by 1,000 missionaries. Southern Baptists, the stakes are high," Floyd said.
Laws protecting traditional marriage have been overturned, government overreach has extended to the restroom and the dignity of human life is being demeaned, Floyd said, yet "these things are not some new morality. They are signs that our nation is on the ragged edge of moral insanity."
"As spiritual leaders, there is not one of us who can sit out in this critical hour," Floyd told more than 6,000 messengers. "Now is not the time for churches in America to call time-out and retreat to their land of comfort and sit around dissecting their theology and the theology of others."
Floyd called on laypeople to "be more engaged on Sundays than ever before," but also to "intentionally integrate your faith on the front lines of our culture in everything you do regardless of where you are."
Referring to Esther 4:13-17, Floyd said God sees what people do not see, and God's faithfulness and providence are present everywhere.
"Providence placed Esther at the right place at the right time to accomplish the purpose of God," Floyd said. "To every pastor here today and those of you watching online and to every church leader, God has you where you are at the right time to accomplish the purpose of God.
"... America is in a crisis today. We are on the precipice of either experiencing awakening or falling into an abyss. We cannot be adrift in denial any longer. We must face our future honestly," Floyd said.
America is facing a leadership crisis, as evident in the race for president of the United States, Floyd said, and America is facing a racial crisis.
"Any form of racism defies the dignity of human life," Floyd said to applause. "Regardless of the color of one's skin, God has put His divine imprint on each one of us."
Floyd identified five ways Southern Baptists need to respond in the current high-stakes climate.
1. Now is the time for Southern Baptists to come together.
"In this social media world, we need to cease writing or saying things that can be easily misunderstood," Floyd said. "We need to understand that one day we will answer to God for every blog, article and tweet we write, and every conversation we have with one another."
2. Now is the time for Southern Baptists to lead.
"We need to lead more than just in number of churches and members as the largest Protestant denomination in America. We must lead with influence," Floyd said.
3. Now is the time for Southern Baptists to evangelize.
"Pastors and church leaders must adjust their thinking and prioritize evangelism in their church, both personal evangelism and church evangelism. We talk about the Gospel more than we actually advance the Gospel," Floyd said. "Pastors, whatever you do, present the Gospel through your preaching and call people to respond to Jesus Christ weekly.
"... While theological debate is ascending and is applauded loudly in our convention, evangelistic fervor and fire is being extinguished and the masses are silent about it," Floyd said.
4. Now is the time for Southern Baptists to give.
Floyd thanked Southern Baptists that giving through the Cooperative Program this year is up 2.65 percent, reflecting an increase of 6.13 percent over the projected budget for 2015-16. He also cited increases in giving to the Annie Armstrong Easter Offering for North American missions and the Lottie Moon Christmas Offering for international missions, and he urged Southern Baptists to prioritize stewardship.
5) Now is the time for Southern Baptists to pray.
"You may have given up on America, but God hasn't. You may have given up on your church, but God hasn't. You may have given up on ministry, but God hasn't. You may have given up on yourself, but God hasn't. Our God can do anything, anytime, anywhere with anyone. God can do more in a moment than you could ever do in a lifetime," Floyd said.
"... The church cannot call America to repent until the church repents. We need to repent of our prayerlessness. We need to repent of our unbelief. We need to pray for ourselves to get right with God and right with one another in this critical hour."


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Oft overlooked, constantly tourtured, once forced to share a bathroom with Cortana (the old one, not the pretty one) - Bungie finally gives the Disembodied Soul some love in an article on BungieNet.
Throb on over and read it and then be on the lookout for mislabeled Marathon Infinity disks. I hear that when they get every one of them back they will let him go... er, it go.
After reading the interview twice, I can't get over the feeling that I'm seeing two mirrors reflecting into infinity.


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Twig is sad to announce the departure of some of our beloved products. Glop and Glam, Kevin Murphy's Balancing Wash, Miracle Oil and the one and only All Nighter will be saying goodbye to Twig this year. Come on in and stock up on these tried and true products, all marked 20% off, before they are gone for good.
With that being said, make sure to ask us about Intelligent Nutrients. The first hair care line made specifically to have the lowest toxin impact with the highest impact of awesome. See our blog below for more info.


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On September 11, 2001, when the World Trade Center towers crashed down, around 3017 persons were reported dead officially. However, the aftermath of 9/11 is still continuing and not many know about it.Know about MesotheliomaMesothelioma is a deadly form of lung cancer that affects anyone who comes in contact with asbestos. Asbestos dust, when inhaled through the nose or mouth enters the lungs/abdomen and starts corroding the same leading to uncontrollable cellular reproduction. This in turn, leads to mesothelioma. Asbestos is used in building and construction industries as it has high level of fire-retarding qualities. Mesothelioma has no known cure and results in the worst possible form of painful death. The worst part is you don't need to be exposed to asbestos over a period of time. Even a single exposure can lead to mesothelioma.The 9/11 AftermathDuring 9/11, the buildings shattered, plastic melted, metals burned and all this has released loads of asbestos dust and asbestos fibers into the atmosphere. However, proper clean-up was not done immediately. While the governments were tending to the dead and injured, the potential dangers to the living was overlooked. People started going to offices and looked around in dismay at the layers of white dust that surrounded them. They just swept it off and carried on with their work unsuspectingly, without realizing the huge amount of asbestos that is bound to exist in that dust. Asbestos clean-up operations by the government were definitely lax.City Heroes face Mesothelioma riskThe dedicated Ground Zero workers like the firefighters and policemen were not given adequate protection from the toxic substances circulating in the air. These heroes took in all those harmful substances through their nose and mouth. Now, they are facing persistent lung problems. Mesothelioma has a very long latency period, around 20-30 years. That means, it may take around 20-30 years for mesothelioma to be detected after the initial exposure to the asbestos fibers/ dust. So, it may take another 15-20 years before the effect of the asbestos exposure on the city's heroes is known. Till then, they are at potential risk for contracting mesothelioma and various other diseases.
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Concert Recap: Da' T.R.U.T.H. Unplugged – A Break From The 808's
Photo Credits by Brandon "B-Luv" Johnson
It was a Monday night at Musically Speaking Studios in Blackwood, NJ, and the stage was set for something unique. As you walked up the steps to the venue, you could hear the musicians getting ready; The bass player warming up, walking up down the frets of his guitar. The keyboard player was getting his volume levels just right on all four of the keyboards at his station. The electric guitar player was tuning his instrument of choice, making sure that it met the effects of his desire. The horns section (trumpet and trombone) were getting in sync, blending their volume for balance. And the drummer's well adjusted eight piece drum set was set right in the middle, with all nine cymbals strategically placed to his liking.
As you reach the top of the stairs and turn the corner, you enter the room – the ceiling cascaded with the colors of the Northern Lights, shimmering off of the chrome highlights of the drum set and onto the three rows of seats opposite the instruments. With such an intimate setting, you know that you are in for something special. And that is exactly what it was.
Sponsored by Music Makes Me Happy, the night, aptly titled "Da' T.R.U.T.H. Unplugged: A Break From The 808's", was a night for the music lover who has grown up with hip hop. Besides a backing track that utilized a minimal amount of synths to help the band cue their song intros, the entire concert was played by live instruments. The whole reason that this event came to be the brainchild of Mixed Bag Entertainment's Da' T.R.U.T.H. and Ladesha Albury of PyroArt Solutions, was to give those specific listeners something they can enjoy.
"We wanted to provide that moment for people to take a break from the 'turn up' and just enjoy quality musicianship in Christian Hip Hop," said Da' T.R.U.T.H.. "We're in an era where everything is arena-ish, big crowds, and turnt up, and I love that myself, but there is a large contingent of hip hop listeners, especially the late 20's, 30's, and even 40 somethings that just want a break; where they can take it all in and absorb all the lyrics. So I took all the "B Side" songs; songs I wouldn't normally do because they'd be boring in a concert context, and give those songs an opportunity to speak."
And speak they did. Held in a 1,200 square foot room, the songs of Da' T.R.U.T.H.'s album's past grooved like never before with his band "No Name Necessary." The limited space created a very comfortable environment as I sat almost to the back wall, approximately 15 feet away from him. You could see that Da' T.R.U.T.H. was in his element, as his background comes from being a musician. (He grew up and excelled in playing drums). The event jumped off with a raucous, drum driven version of "Bully", followed by a "grown & holy" version of "Do It For You," perfect for the skate parks. Horn stabs and added musical arrangements peppered songs throughout the night, giving a new flare to tracks that had been released three to six years prior.
Old songs took new life, as some were stripped down to a minimalist-style of production for the concert. Some replaced soft keyboard pads for the normal intense synthesizer rhythms, while others were embellished with new chord movements that allowed for some spectacular guitar and drum solos. When they played "J.I.F.E" and "Peace Talks," the bass player and horn section were just going in.
Since Da' T.R.U.T.H. was "diggin in the crates" from his past records, many songs had features from artists who could not attend, so T.R.U.T.H. brought in others to fill their spots. Mixed Bag member Prayz1 stood in on "Bully", "Do It For You", "Standing Ovation", "Fantasy", and he accompanied Da Truth on "Forgiveness." The evening's standout performance has to go to Thomas Clay, who sung "Change The World," but absolutely killed the hooks for "Great Wall" and "Ugly Love." With the power of what the lyrics mean in these songs, combined with the unique way they were played that evening, these two songs brought pure and powerful moments of worship, something that Da' T.R.U.T.H. is all about. As Da' T.R.U.T.H. did "Ugly Love" specifically, with the soft playing of synth pads, a strumming background guitar, and Thomas Clay's vocals, in which everyone had to pause and give reverence to the Spirit of God that was in the room.
It was during these times that opened up the space for Da' T.R.U.T.H. to share his heart; where at a regular concert may not be able to create a receptive space for what he wanted to say. He was able to give biblical expansion to topics of songs, even so as to compactly exegete a text that drove him to write certain songs. Most turn-up-concert atmospheres don't have the space, or time, to give that biblical reasoning for why the artists do what they do. There was even space for us to just cry out to God as the music played.
I looked around the room multiple times during the evening, scanning the rows of adults who love quality music, as they nodded their heads in appreciation for what was taking place. There wasn't one person in the room who wasn't totally engaged with what Da' T.R.U.T.H. was displaying that night.
To cap the night off, Da' T.R.U.T.H. had to do one hype joint. So we all stood, turned to our neighbor, and said "Stop Playing With It!" A fitting end to a very special night of music, transparency, and worship. I personally have been desiring events like this one for many years now, and it is encouraging to know that there are others who feel the same way. And with Da' T.R.U.T.H. being the pioneer that he is, I can say with much certainty that this will not be the last of the "Break From the 808's" concerts. Look for this series to continue soon in the future.


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Considerations To Know About turkish bath in side turkeyif you want to hitch a unique bash encounter, we'd advise to guide the Szechenyi Spa Bash – remember to note, that you have to e-book independently to the daytime bath use + therapeutic massage and for that Sparty. To create a legitimate reserving for Bath- and social gathering ticket, please Stick to the backlink:
The bath offers afternoon tickets, which implies you could enter the Bath just after 5pm (This could only be bought around the location however)
This morning we'll travel into the village of Güzelyurt and fulfill With all the neighborhood mosque's imam (counterpart to the minister or rabbi), with a chance to question questions about the Muslim faith as well as the separation of mosque and state in Turkey. Just after lunch we'll hit the road and, like Silk Road vacationers a huge selection of years ago, stop to admire the intricate carvings of a medieval caravanserai (limitless camel parking).
They have to shoot devoid of transferring their arms, and hearth the shooters by squeezing them among their thumb and forefinger. The gamers squeeze their shooters in direction of the marbles in the road. If a participant hits any marble, then he can hit other marbles also. Every marble strike goes on the a single who hit it. The sport ends when each of the marbles have already been hit. -Antakya
Iraqi court docket sentences fifteen Turkish Females together with 4 with youthful little ones to Dying for belonging to ISIS
The three outdoor swimming pools (amongst which happens to be a fun pool) are open up all 12 months, such as Wintertime. Indoors there are around 10 independent pools, and a complete host of professional medical therapies is additionally accessible.
"This really is cheating a little bit, because the evident wow second of our excursion was the balloon journey in excess of Cappadocia, but the opposite experience I under no circumstances believed I'd get was at Heiropolis(Pamekkule).
"My favorite "Wow" moment was my initially night in Istanbul in the Azade Hotel. I put in time to the vacant rooftop deck admiring the views. I discovered the Blue Mosque more mesmerizing in comparison to the views of your Bosphorus!
Just after he picks up the stone, he opens his eyes and tosses it back to the main sq., closes his eyes, goes back to the very first sq., picks up the stone, and finishes the game. If another participant states "outside," then the player tosses his stone earlier squares five and six, and carries on just as if the opposite had stated "inside." This past A part of the game is named "birli çiftli iç ya da dış" (solitary, double, inside or outside). Immediately after this Element of the game, the participant turns his again to your squares and throws the stone in excess of his shoulder to any square. The sq. on which the stone fell is then considered the player's "kuma" (lit. "next wife"). When he relates to the sq. in the course of the video game, he may perhaps stand with the two feet or open his eyes. If a participant throws his stone on his opponent's "kuma," then he is "caught" and may't go on. The sport is over when many of the squares are taken as "kuma."
With the coming of recent housing with bathrooms, a lot of hamams fell into disuse. Quite a few have now disappeared while Other folks lie in ruins. But all within the state, not simply in tourism places, the normal hamam is currently looking at a revival as a brand new generation rediscovers the pleasures and social joys of the hamam pay a visit to and several aged hamams are increasingly being restored and renovated in lots of regions of Turkey.
"There were so many WOW moments. My favourite was in all probability the fairy chimneys in Cappodochia, Particularly looking at them by incredibly hot air balloon. A detailed 2nd was the Greco Roman ruins at Ephesus."
If the counting is flughafentransfer antalya alanya finished, the "it" workforce goes trying to find them. Once they discover them, they yell "tuğara / tulgara tulgara tulgara!" (These terms bear some resemblance into the term "tangara," the title for idols in the course of the Turks' Shamanistic time period.) Even if only a type of hiding is observed, the teams then swap sites. -Bayburt
Hello there Renata, Aqua Environment is we consider the best option for a Wintertime pool expertise with toddlers. You will find great toddler swimming pools, a lot of slides, play dwelling and Enjoy location for children, together with wellness services.
His expertise in Archeology made the encounter of the various ruins come to lifestyle. Our group begun out as 28 strangers and by the end of the 1st day, we had satisfied and designed new good friends.


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Last week, Cowaramup Skate Park got a new mural, painted by local kids under the artistic guidance of Perth-based urban artist George Domahidy.
We asked Molly Ryan, Community Development Trainee at the Shire of Augusta Margaret River, to tell us a little about the project.
"It wasn't until I swapped my paintbrush for an aerosol can that I realised the skill and physicality required to produce street art. Working with well-known street artist George Domahidy and his spray painting companion Scott Hitchcock, a street artist who has been working in the creative hub of Brooklyn, New York, was an experience in itself."
"As this project was part of our youth engagement program, involving local youth was really important. A little practice and skill-building was done while designing some preliminary pieces, followed by a brainstorming session. Those who attended were asked to sketch iconic symbols that they thought were specific to Cowaramup and these designs were then incorporated into the final mural."
"Day two of painting was welcomed with the stencils drawn by George and Scott (inspired by the drawings done by the group of young artists) that would soon become our finished piece. Watching George and Scott so confidently bring our block colour art work to life with black spray paint was mesmerising and showcased their highly developed skills. Projects like this allow youth to differentiate between urban art and graffiti while expressing themselves. The artwork adds colour and creativity to the space however amplifies the ambience of the skate park."
– Molly Ryan.
All Photos: Mark Boskell


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A Welcome Message From Our Team
Here at Miracle-Ear, we're proud to help people reach their full hearing potential every day. It's our goal to make the process as easy and enjoyable as possible. We hope you will allow us to help you hear better days!Get In Touch
Our Location
1659 N. Spring St.
Get Directions
Beaver Dam, WI 53916
Our Office
Specializes In
- Hearing Loss
- Hearing Aids
- Custom Fit
- Tinnitus
- Aftercare
How Can We Help?
Ready to experience Miracle-Ear hearing aids for yourself?
Call 608-352-3081 to schedule your first appointment.
We'll work together to find the best solution for you.
Miracle-Ear Hearing Aids in Beaver Dam, WI
If you've been missing out on important parts of your loved ones' lives because you can't hear properly, it may be time to set up your appointment with a hearing aid center. As America's most recognized brand of hearing aids, Miracle-Ear® has a great reputation, and we're ready to find the answers that you're looking for. We're an independently owned and operated center in Beaver Dam, so you can trust that our hearing care specialists will focus on your individual needs.
A Lifetime of Care
We know that you may need help with a hearing aid repair at one time or another, which is why we're affiliated with a brand that has more than 1300 locations around the nation. Our hearing care specialists can perform a routine checkup in which we:
- Test your hearing aids to ensure that they function properly
- Thoroughly clean your hearing aids
- Make sure your hearing aids fit comfortably
- Inspect your ears for earwax buildup
Advanced Sound Quality
Determined to offer hearing aids that replicate natural sound, we employ cutting-edge technology in our products. If you'd like to find a hearing aid that can respond to your unique needs, we can show you how GENIUS™ Technology works. GENIUS™ Technology is designed to minimize ambient noises and background sounds that may impact your hearing abilities when you move from one location to another. When you come to our center, we can perform a hearing test and discuss which of our products may be best for your needs.
The Miracle-Ear Experience in Beaver Dam, WI
If you live in or near Beaver Dam, WI, and want to see how hearing aids can improve your quality of life, count on Miracle-Ear for personalized care. Nine out of 10 people who suffer from hearing loss notice a difference with the right hearing aid, and our experienced specialists can help you find the best match for your needs. To discover and experience the Miracle-Ear® Advantage, call our hearing aid center and set up your initial appointment today.
Meet the Team
Bob Dohe Hearing Instrument Specialist
Professional Experience
Bob has 8 years of experience as a Wisconsin ... Read More About Bob Dohe
Professional Experience
Bob has 8 years of experience as a Wisconsin State Licensed, Hearing Instrument Specialist. He is also Board Certified through the National Board for Certification in Hearing Instrument Sciences.
Bob Dohe, BC-HIS
Licensed Hearing Instrument Specialist in the State of Wisconsin.
Board Certified through the National Board for Certification in Hearing Instrument Sciences.
Member of The International Hearing Society.
Favorite Part of working with Miracle-Ear
Bobs loves helping and interacting with people that seek solutions for their hearing health.
Jason Welch Regional Manager
Professional Experience
18 years of customer service experience. 1 year as a ... Read More About Jason Welch
Professional Experience
18 years of customer service experience. 1 year as a H.I.S. I have worked for Miracle Ear for 1 year.
I have an H.I.S. certification
Favorite Part of working with Miracle-Ear
Giving people better quality of life.
Scott R. Lau ACA, BC-HIS Franchise Owner
Thank you for visiting!
This is my 18th year in the hearing healthcare business and I ... Read More About Scott R. Lau ACA, BC-HIS
Thank you for visiting!
This is my 18th year in the hearing healthcare business and I simply cannot believe how far we have come and the remarkable improvements we have witnessed, not only in the Miracle-Ear product, but also in the processes we use to create the amazing results we deliver for our customers.
With the support of my wife Jinette and the amazing people on our team, we have grown what started out as a small hearing aid practice in Western Wisconsin, to our current operation consisting of more than 40 locations in 3 states.
We know you have a choice when purchasing hearing aids and we work hard every day to deliver the quality product and exceptional service you deserve. Life is too short and the road too long to trust your hearing to anyone other than Miracle-Ear.
I'm proud to say that every member of our staff - Front Office Staff as well as Hearing Aid Specialists - have successfully completed the stringent requirements of the new Miracle-Ear Certification program. We are the only company in our industry to offer this comprehensive certification. This gives our customers the peace of mind that they have the assurance that we are uniquely qualified to serve them.
It is our mission to improve our customers' lives by helping them to hear better. It's not about ears, it's about people and relationships - reconnecting people with the people they care about.
Michael P
"My treatment has been great, outstanding, caring & concerned staff in a friendly atmosphere... They communicate extremely well and express a sincere concern and interest in resolving any issues concerning you."
Lee T
"To be completely honest... I really don't remember what, or who, sent me to Miracle-Ear - but I do know I would not have been expecting a "Miracle", but some way, somehow, it happened!! I honestly believe the people at Miracle-Ear were mainly concerned (and continue to be) with how much they can help my hearing problem, and not with how many dollars they can make off my hearing problem."
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Each week we send out an email for the Saturday morning classes. We also Send out a periodical email for drawing Classes.
If you have questions:email us at email@example.com or call 304-599-7687
Kid's Clay Class
Each Saturday Morning
Please note: enrollment will be capped at 6 Children.
In this 4-week class, we will be primarily focusing in clay. Your kids will get more flexibility to make things they want to make. Any yet, Rose Anne Heater will still give them ideas for projects. Your kids will also learn how to work with different consistencies of clay giving them a whole new realm of possibilities for their projects! We will still use painted underglazes to decorate their projects.
Time: 10:30am - Noon
Cost: $25
Ages: 6ish-12ish
Kid's Drawing Class (4-week class)
Each Friday Evening; August 24th - September 14th
Please note: enrollment will be capped at 6 Children
In this 4 week class for kids, We will teach your kids about values, gesture, line and shading. These are some of the essential roots to drawing. Along with this, Rose Anne Heater will work with your children to incorporate these aspects into their individual drawings. With the class being a little smaller, we are able to spend lots of individual time with each of the kids.
Dates: Fridays
Time: 5:30-7:00
Cost: $125
Ages: 6-12ish


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Usagi Yojimbo Graphic Novels
Samurai Action with a Twist
: Discontinued and Out of Print - Limited to Stock on Hand
Join Usagi Yojimbo in his hare-raising adventures of life and death.
Watch as he faces assassins, medicine peddlers, bat ninjas, and more! This is a story of honor and adventure. It's a masterful adaptation of samurai legend to sequential art. Dark Horse is proud to present this epic story of good versus evil.
Sakai's unique blend of storytelling
and Japanese legend has made a unique niche for itself.
|Usagi Yojimbo, Vol #7, Demon Mask, Graphic Novel
|Usagi Yojimbo One, Graphic Novel (Fantagraphics Edition)
|Usagi Yojimbo Ronin, Graphic Novel (Fantagraphics Edition)


text: You can never have too much of a good thing, which is why the Main Library has elected to follow its successful Alfred Hitchcock summer film series with an Alfred Hitchcock fall film series. "The Master of Suspense: Alfred Hitchcock Classics" will commence its second tour of duty at 7 p.m. tonight in the Wachovia Playhouse at ImaginOn. On the bill will be 1946's Notorious, which for my money ranks second only to Psycho as Hitchcock's greatest movie. Ingrid Bergman (in her best performance) is cast as a "tainted" woman who aids an American government agent (a superb Cary Grant) by infiltrating a Nazi spy ring and wooing its most vulnerable member (supporting actor extraordinaire Claude Rains). Upcoming titles in the Monday night series include Spellbound, Shadow of a Doubt and, yes, Psycho. Free. 7 p.m. ImaginOn, 300 E. 7th St. 704-416-0252.


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Consolidation Loan
What is it?
A consolidation loan is a loan which allows you to combine all your existing credit agreements, such as credit cards, store cards and personal loans into one. You will then make repayments to a single lender.
A consolidation loan may also give you the opportunity to repay your existing debts over a longer period of time.
Who is it for?
- A consolidation loan is for people who are having trouble re-paying credit cards, loans etc and want to consolidate these together to just pay one lender a set monthly amount.
- People without county court judgements.
- People with a good credit rating.
- People with a permanent residence.
- People with a reasonable level of surplus income to meet loan repayments.
The Process
Before taking out a consolidation loan it is vital that you compare the interest rate being offered by this new lender to those rates being charged by your existing lenders. Other questions you should ask yourself or any potential lender include:
- What are the monthly payments and can I afford them?
- Do the lower rates of interest apply for the whole period of the loan?
- What is the total cost of the consolidation loan?
- What is the period of the consolidation loan?
- Are there any upfront fees or periodic charges – such as late payment charges?
Consolidating Personal Debt
Be particularly careful if the consolidation loan is to be secured on your house, as failure to make the repayments may cost you your home.
Whilst care should be exercised before consolidating debt, the practice can be of use if they reduce the amount paid each month in interest provided they do not come with onerous repayment terms or put you at risk of losing your home.
Although Chamberlain & Co does not itself provide consolidation loans, we do have contacts with various financial institutions, finance brokers and independent financial advisors who can provide details of available loans.
Advantages of consolidating debt
- Ability to deal with one creditor rather than numerous creditors.
- Length of time to settle consolidation loan.
- Interest on consolidation loan may be higher than a normal loan.
- As paying off debt over a longer period of time, this may result in a greater overall amount payable.
What is it?
The aim of a remortgage is to change the terms of your existing mortgage and usually, but not necessarily, involves switching to a new lender without moving home. A home owner with existing financial difficulties might consider a remortgage to:
- Reduce their monthly mortgage payments – by taking advantage of lower interest rates or by extending the period of their mortgage.
- Consolidate their secured and unsecured debt into one loan at lower interest rates.
- To repay debts such as personal loans or credit cards.
- What are the monthly payments of a remortgage and can I afford them?
- What is the total cost and duration of the remortgage?
- Are there any penalties for early redemption of the loan?
- Are there any restrictions preventing a subsequent remortgage?
In addition, remember there may be substantial upfront costs involved in personal remortgaging, including valuation fees, arrangement fees, legal fees and so on.
Who is personal remortgaging for?
- Personal remortgaging can be of use to individuals in financial difficulties if they genuinely reduce the costs of borrowing, without significantly the risks of losing your home. However, as indicated above they do require careful consideration, particularly of the small print.
- People with large amounts of equity in their property.
The Process
Although Chamberlain & Co does not itself provide remortgages, we do have contacts with various financial institutions, finance brokers and independent financial advisors who can provide details of available loans.
- Not a formal insolvency process.
- Security of the amount to be paid.
- Interest rate may be variable and may increase.
- Involvement of sub-prime lenders.
- Home may be at risk.


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Here's the new clip from the upcoming remake/reimagining of the Broadway musical "Annie," which stars Quvenzhané Wallis as the title character, with Jamie Foxx, Rose Byrne, Cameron Diaz, Bobby Cannavale, Adewale Akinnuoye Agbaje, Dorian Missick and Tracie Thoms joining her in front of the camera.
The Sony Pictures project is set for a December 19, 2014 release.
Filmed in New York City, under Will Gluck's direction, the project hails from Will & Jada Smith's Overbrook Entertainment, in partnership with Jay-Z (who's also working on the soundtrack). Gluck revised the script which was originally written by Emma Thompson and Aline Brosh McKenna.
Check out Ms Wallis singing a new song written for the film by singer Sia. Not quite "It's The Hard Knock Life," or "Tomorrow," as you might expect.
Said director Gluck about the clip: "Annie sings this song after she realizes that she's got a good thing going with Jamie Foxx's character."
Sign Up: Stay on top of the latest breaking film and TV news! Sign up for our Email Newsletters here.


text: On Sunday I blogged very enthusiastically about going to the Paekakariki Press. I had a lovely couple of hours setting the letter press type and then printing these business cards. They took a couple of days to dry, and I got my hands on these last night. The colour and finish is beautiful. I'm very excited.


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White House Down [movies]
While on a tour of the White House with his young daughter, a Capitol policeman springs into action to save his child and protect the president from a heavily armed group of paramilitary invaders.
When a paramilitary group led by Emil Stenz (Jason Clarke) takes over the White House, US Capitol Police officer John Cale (Channing Tatum), a rejected applicant to the Secret Service, must rescue the President of the United States James Sawyer (Jamie Foxx) while trying to keep his daughter Emily (Joey King) out of danger.
White House Down is directed by Roland Emmerich and based on a screenplay by James Vanderbilt, who is also one of the film's producers. Sony Pictures purchased Vanderbilt's spec script in March 2012 for $3 million, in what The Hollywood Reporter called "one of the biggest spec sales in quite a while". The journal said the script was similar "tonally and thematically" to the films Die Hard and Air Force One. In the following April, Sony hired Roland Emmerich as director. Emmerich began filming in July 2012 at the La Cité Du Cinéma in Montreal, Quebec, Canada.
In 2012, Sony competed with Millennium Films, who was producing Olympus Has Fallen (also about a takeover of the White House) to complete casting and to begin filming.


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Adapted from a recent online discussion.
Dear Carolyn:
Is there a way to help someone else build his social circle? My partner and I are both in our 30s with no kids and a fair amount of free time. We do spend quite a bit of time together and go on regular dates, etc.
I am a "joiner" and am involved in things that occupy the rest of my free time. My partner does not, and has begun complaining that he feels lonely when I am away from home for a few hours in the evening.
I don't think I can be happy in a relationship where I forgo my hobbies and time with other friends in order to keep him constant company. Where appropriate, I invite him to join me, but (1) I can't always do that (ladies' happy hour, for instance, and hobbies he's not interested in), and (2) he often declines and counter-proposes doing something at home — often the same thing we have done a few other nights that week, like play board games and watch TV together.
He has a handful of people he calls close friends, but he does not make a meaningful effort to spend time with them and defaults to wanting me to do everything/go everywhere with him. I have suggested more than once that he call up a fellow board-game lover for nights when he wants to stay in and play, but he won't do it.
What next? I don't want to think this is a relationship killer.
— Active Partner, Lonely Partner
You don't want to, but you may have to, because you can't make a person social who isn't — nor is it your job to.
But first, it sounds like it's time for the "This is the way I am" conversation, where you spell out that:
You are a joiner, like being a joiner, and don't intend to stop being a joiner;
You are happy to include him where appropriate but it won't always be;
You don't see such inclusion on its own as a solution for his loneliness, because it's a patch, not a repair;
You understand he is lonely and will support him in his effort to find more companionship but you won't agree to be the sole source of that companionship. Because you like having a mix of time with him and time on your own stuff.
Once you've spelled this out as a non-negotiable part of being with you, then he gets to decide whether he's willing to accept you and your relationship on those terms, or if he wants something different.
If he wants something different, then it'll need to be with someone else.
One caveat. Chances are he will bypass the either-or and still try to get both, to stay with you and have things on his terms — because that's pretty much what everyone wants and wishful (re)thinking is powerful stuff. Accordingly, he might say he agrees to your terms but then keep on complaining about them.
If that happens, then you'll need to decide if you want him and care about him enough to put up with that as your status quo. Wishful rethinking is a risk for you, too; for your own sake, please don't succumb.
© 2017, Washington Post Writers Group


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Monday, January 30, 2012
Series I Need More of in 2012
Kevin Hearne's Iron Druid series
I've read books 1 and 2. Need to finish Hammered before Tricked comes out. Male-lead UF with lots of mythological beings.
Devon Monk's Allie Beckstrom series
I have book 1 waiting for me. I really liked Dead Iron, interested in Monk's take on UF. Female-lead UF with magic.
Lilith Saintcrow's Dante series & Dru series
I've read the first in the Dante Valentine books. Need to read the next one (I bought the complete series bundle, so they are all waiting for me). Female-lead UF with demons and psychics.
Dru - I've read the first 2 books, need to finish the series and read books 3-5. Female-lead YA UF with vampires and werewolves.
Jim C. Hines' Princess series
I've been told by more than one person that I have been remiss in reading Hines' self-rescuing princesses, so I will be fixing that problem. Female-lead UF with fairytale retellings.
Rachel Aaron's Eli Monpress series
I pre-ordered the bundle (books 1-3) that will be out in February. Book 4 is out this summer. Mostly male-lead UF (I think) but with a varied cast. I've heard many good things.
Rachel Vincent's Soul Screamers series
I've heard good things about this YA series involving banshees, but haven't started it yet. I have book 1 waiting for me. Female-lead YA paranormal Romance.
Rob Thurman's Cal Leandros series
I really liked book 1, so I need to get to book 2. Male-lead UF with all kinds of nasty paranormal creatures.
Ann Aguirre's Sirantha Jax series
Another one where I loved book 1 and need to read more. Female-lead Sci Fi with romance.
How about you? Have any existing series you want to try this year?
6 comments:
This is the weirdest post. I have tried the first four of these series listed. I did not like any of the four. Wow. That's got to be some kind of record. Or Karma. Or something.ReplyDelete
:) Sometimes that's just the way it goes. I'm thinking you should look into the Eli Monpress books, at least try the sample. There are thieves...ReplyDelete
- GinevraFebruary 1, 2012 at 1:46 PM
A lot of these series are on my TBR pile (or should be). Unfortunatly, I also own some of them so... we've discussed the library vs. owned books dilemma, I know you get what I'm saying. I was thinking that you'd pretty much covered it, until I went back to my current read (Feed by Mira Grant) and thought about her alter ego Seanan McGuire. I loved "Rosemary and Rue" but haven't picked up the rest of the series yet. Also, I can tell that I'll need to read "Deadline" asap.ReplyDelete
- GinevraFebruary 1, 2012 at 8:45 PM
Update: I just finished Feed and I actually think I can wait a bit before I read Deadline. At least until my headache goes away... :`(ReplyDeleteReplies
I've got to gear up for Deadline. I couldn't just start it right away either - and not just because of the TBR list. Feed was intense.Delete
I've only read book 1 in the Toby Daye series too - another one to catch up on. :)


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Dzilnuciems (Riga region)
Price 2 000 000EUR
- 4500 Area of the land, m2
- 842 Total area, m2
- 8 Room amount
- 1 Floor amount
- Address Dzilnuciems (Riga region)
- Added 27 Jan 2016
- Views 0
- Contact person - Larisa Bogdanova
- +371 29433001
- firstname.lastname@example.com
The modern one-storeyed country house of 842 sq.m. completely arranged with furniture and light from Cavalli also is equipped with household appliances from such brands, as SieMatic, Gaggenau, Siemens.
For your convenience in it "The clever house", the monitoring system of air of temperature, heating of floors, lighting and sound system in all the house is connected on uniform control system.
All rooms are spacious that gives indescribable feeling of freedom. Recreation area with exercise machines from Tehnogimи, the pool (16х4х1.5м) with a jacuzzi and a cinema hall with the screen of 5 meters on a diagonal with HD quality of the image. Bath which can work in different modes, a sauna, the Russian bath, etc.
The settlement is in well-groomed park with the lake. Round-the-clock protection and territory cleaning.


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Neil Francis: Krusty the Clown or Pee Wee Herman would do a better job at Leinster than Matt O'Connor
The suffering of the Leinster players under Matt O'Connor is increasing with every game, writes Neil Francis
I wrote a couple of weeks ago that there was very little point in replacing Matt O'Connor as Leinster coach until they found someone better, but with every passing performance from this Leinster side the entry level for new candidates gets lower and lower.
After Friday's arcane performance against Benetton Treviso, we have four new candidates who are qualified on the basis that they could do a better job than O'Connor did on Friday night. Krusty the Clown, Panti Bliss, Pee Wee Herman and the Grand Old Duke of York could not do any worse than the shambles we saw at the RDS.
If it has come to pass that Leinster are reduced to fumbling their way past a side like Treviso at home, so that they can be assured of Champions Cup competition again next year, then we have reached the low watermark in Leinster's halcyon dynasty.
Read more: Anthony Foley: We ran out of numbers and they had 14 men
Read more: Jackson holds nerve to deny Munster vital win
The new candidates could point out that a growing injury list, the retirements of key players and the never-ending demands from the international side make it a difficult job, but there is something that Joe Schmidt and Michael Cheika managed to do with ease - get the shadow squad to perform to the level that is expected of them.
The third onerous imposition I suspect will not have so much of an influence next season as I anticipate that all the fringe Leinster players who are currently in the squad will, on the back of such a stagnant season, be no longer required for international duty as the Ulster and Munster players begin to make their performances and their season count.
The fan base has been falling off incrementally and the doleful and morose renderings of 'Come on ye Boys in Blue' are symptomatic of what is happening on the pitch and is at an adjunct of what we saw at a full and vibrant Kingspan Stadium yesterday.
Should the Leinster faithful elicit a tantrum of entitlement at their reversal of fortune, how many more of them will say they are just not going to watch the rubbish on offer?
The error count, the handling mistakes, the aimless kicking, the inability to give and take a pass even in wet conditions, the evisceration of their tight platform in the Pro12, the mistakes that are made week in, week out without recognition or correction. Do we think that a new season or the June break will mend things, give management time to think things through, maybe understand that their strategy or the way that they want to play the game just isn't working?
Can they examine how the team is playing without ambition, imagination or guile and recognise what this still-capable side have become, without the ability to think on their feet, recognise the trend of a game and turn it around?
In one season, Matt the Thrasher has turned Leinster into the Newcastle United of the Pro12 and asking him to fall on his sword at this stage might present a problem - he could knock the sword on or miss the spot completely.
The most disappointing thing revolves around next season and the lack of hope. In this instance hope is merely disappointment deferred. Leinster must now watch as Munster and Ulster vie for home ties and the fervent hope that an Irish side can win the Pro12.
Yesterday's crucial game at the Kingspan was an enthralling episode and although there were mistakes made and ball went loose all over the park, there was enough quality and direction and purpose in both sides' performances to suggest that they will both at least make it to the final.
You suspect though that Ulster will have to travel and this will not suit them as they have not developed enough or matured enough to do what Munster and Leinster have routinely done in their pomp - win away from home when they need to at the business end.
This game turned a number of times but the key moment was the introduction of BJ Botha in the 53rd minute and almost by magic with all those loose balls being lost in midfield, the scrum became a factor and Munster's scrum managed to pick up enough penalties to keep their scoreboard rolling and give enough bad ball so that the Ulster three-quarters had to adjust one step backwards before they went forward.
Iain Henderson, the man of the moment, had a notable game yesterday. His brilliance brought Ulster back into the game after being nine points down and yet again, just like the Heineken Cup final, mad things happen in big games.
On the stroke of half-time, and as Munster kicked off and put the ball yet again into Paul O'Connell's imperious reach, he won yet another kick-off, but Rory Best had been standing round like a mongrel scrounging scraps at the back door of a kitchen and he cleverly locked on to O'Connell's tap back and managed to get a good 10 yards down the park.
As the ball went through phases the difference in quality between good teams and pretenders became obvious. When forwards and backs are mixed up in the field of play sometimes it is the quality of passing from tight-five forwards that makes the difference.
The good teams have forwards who can put the ball out in front and get it to skilled players without having to check or reach for a pass and Ulster's passing, through Tuohy and all the way out to Henderson on the wing, was impressive and the big man pulled off something that most forwards in his class just cannot do. He managed to square up to Ronan O'Mahony on the wing, fix him and take the tackle on his terms.
At this stage CJ Stander was coming in from the outside to also join in on the tackle. Henderson's under-handed pea-flicker out to the right was brilliantly read by Tommy Bowe who burst on to it, accelerated away and then cut back outside - a thing of beauty.
The thing is that of all the brilliant things that Paul O'Connell can do, he can't do that and neither can Devin Toner and no matter what happens in any disciplinary committee in the next week or so, or what happens in the run-in to the season finale, Henderson must play in Ireland's second-row.
Henderson was red-carded with seven minutes to go and I do think that Nigel Owens has become a little bit too finicky in this area of the game and the clear-out which was responsible for him leaving the field I thought was rash.
The big back-rower had effected six or seven similar aggressive clear-outs and it did look that he led with the forearm followed by the head. He was also guilty of going off his feet.
It probably falls into the category of reckless endangerment because he could have done some damage to the Munster player but at all stages the intent was to clear out and I felt that there was no malice in the way he went about his action. On that basis, a yellow card only was merited.
I suspect that his sentence will reflect that, but Ulster will miss their star player coming into the final games and that will have a hugely detrimental effect on their ambitions to win it.
Munster looked efficient and semi-clinical and I think they will make the final on the basis that no one at this stage of the season will travel to Thomond with pretensions of winning.
Meanwhile, all of the contenders for the World Cup squad advance their cause to the detriment of Leinster players.
Read more: Anthony Foley: We ran out of numbers and they had 14 men
Read more: Jackson holds nerve to deny Munster vital win
Sunday Indo Sport
Related Content
- Anthony Foley: We ran out of numbers and they had 14 men
- Jackson holds nerve to deny Munster vital win
- Jackson clinches last gasp draw
- Iain Henderson sees red as Ulster claim draw at the death