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Build Guide by Sir KrisWald
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
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Miss Fortune Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Miss Fortune, The Bounty Hunter
This is a guide for your friends that dont rock the party so hard.
Begin by laning with the tank and asking him to help you farm gold to get Soulstealer.
After this make sure you are in on every fight. you get stacks based on kills/assists you need to atleast hit them once whenever someone is going to gank. try your best to get there and help. This is going to get you to practice map awareness. notice where all their heroes are and call out for help and ganks appropriately. If you die you lose 1/3 of your stacks... so don't die or this item is going to be almost pointless... you need the cooldown reduction from 20 stacks.
Now then far as laning you do not use rain unless 2-3 are about to die or you are next to the tower... you want the minions close to the tower so #1... you dont get ganked... and #2... easier for the middle to help gank :P
now then... work on saving up cash for a philosopher stone next and sorc boots. you can go mobility if you are laning and defending a lot... or swiftness to help with combat ganks and such... but mercury is always a solid choice.
Now then Work to rush your Rylai's Scepter... this will increase your slow effect from rain and also give your double shot a slow now :P as well as your ultimate... so they can not run out of it as easily.
Next work on Glacial shroud for armor as well as cooldown reduction and an abysmal scepter for magic resist ability power and magic resist reduction to your enemies ^^
you will then need to hit Tab and see if they are stacking magic resist.. if they are void staff will stop that... if they arent... possibly a zhonyas ring for ability power and you can click it in combat if they target you... Otherwise there is GA... it offers more armor and resist... but not overly as great of an item... also innervating locket... will give health and mana as well as heal those around you everytime you use an ability... which will be often. 4 sec cooldown anyways. You will definately get the most from that... also you could get spell vamp from will of the ancients perhaps? help your team mates with that...
anyways check your stacks if you are failing with soulstealer sell it and get soul shroud instead... it has more life and aura for cooldown reduction to help allies...
dont take the blue or red buffs ever. you wont need them. and help your team out any way you can. this is a learning process for you =] try and learn as you watch the fights from a distance slowing the enemies down :P when in doubt run to a tower :P and cry mommy :P lol
sorry is this is rushed... this is the 4th time ive posted on this site and it keeps disappearing...
i just threw the items on at the end for options for your 6th item. have fun :P


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Verizon Wireless and AT&T Mobility say their 3G/4G coverage in the United States is now pretty much universal with more than 300 million pops currently covered, mostly due to both carrier's extensive 700 MHz LTE networks. Now it's a matter of keeping up with capacity requirements.
Sprint says its LTE network now covers 260 million people, mostly through the use of 10 megahertz of spectrum in the 1.9 GHz band. Next year, Sprint's Chief Network Officer John Saw said Sprint will continue to build out its LTE network with its 800 MHz buildout about halfway finished. "We expect to be substantially complete with our LTE 800 MHz build by the end of 2015 in markets where the spectrum is available," according to Saw.
Sprint's 2.5 GHz coverage is now available in 62 markets, utilizing the carrier's Spark program, reports Saw, which combines 800Mhz, 1.9GHz and 2.5 GHz. Their 2.5 GHz network covers about 100 million people.
Meanwhile T-Mobile US CTO Neville Ray said the carrier's LTE network coverage currently serves a similar 260 million pops, matching Sprint. Ray says T-Mobile is now on track to cover 280 million people with 4G LTE by mid-2015. They expect to cover 300 Million Pops by the end of 2015.
T-Mobile purchased 700 MHz Block A spectrum from Verizon Wireless for $2.4 billion in a deal announced in 2014 and bought more Block A from Paul Allen's Vulcan Wireless in the Seattle and Portland, Ore., areas.
Speaking at Deutsche Telekom's Capital Markets Day, John Legere appeared rational and made a lot of sense.

subset: commoncrawl


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Jo fights past Roddick
Posted on October 31st, 2008
It was a great fight as Jo defeated Andy Roddick 5-7 6-4 7-6 (5) Friday at the BNP Paribas Masters in Paris. In Saturday's semifinal Jo will play fellow Shanghai hopeful James Blake. The stakes couldn't be higher. Blake will qualify if he reaches the final. A win would be good enough to take Jo to Shanghai […]
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Even if we know that earthquakes are horrible and their consequences are always bad for humans, we have to admit that in this case, earthquakes brought us something useful. Here you can see amazing photos of beautiful terraced pools in Pamukkale, Turkey which were created as a consequence of earthquake.
Pamukkale got its name from Turkish words 'pamuk' which means cotton and 'kale' which means castle. Probably they named this location 'Cotton castle' because of intensive white color of its carbonate rocks.
This amazing natural site is located in Denizli Province, at the south-west of Turkey. This place is known amongst tourists for a very long time. There are some historical records which tells us that tourists were bathing in those natural pools even thousand years ago.
This place also has some historical significance. It is know that there was an ancient city called Hierapolis in this place whose ruins can be found even today but the main remains of this ancient towns were destroyed in last hundred years when local authorities decided to enable building of few hotels in this location.


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NEW BRUNSWICK—A New Brunswick man has pleaded guilty to a count of aggravated manslaughter, admitting he fatally shot another man on a city street in 2008, Middlesex County Prosecutor Bruce J. Kaplan announced today.
Derrick Higgins, 23, pleaded guilty to the charge on April 1, admitting he shot and killed William Wilson Jr., 27, of Franklin Township.
Higgins pleaded guilty to the charge during a hearing at the Middlesex County Courthouse in New Brunswick before Superior Court Judge Frederick DeVesa.
Under the terms of a plea agreement negotiated with Middlesex County Assistant Prosecutor Michael Weiss, the defendant faces 20 years in prison when he is sentenced by DeVesa on June 28. As part of the plea agreement, Higgins must serve 85 percent of his prison term before he can be eligible for parole.
Higgins was arrested and charged following an investigation by Detective Mark Pappas of the New Brunswick Police Department and Investigator Paul Miller of the Middlesex County Prosecutor's Office.
The investigation began after police received a 911 call at 1:19 a.m. on June 20, 2008, reporting a shooting. Police arrived to find the victim dead in bushes near a house at 135 Jones Avenue in New Brunswick. An autopsy showed the victim died from a single gunshot wound to the chest.
Higgins was arrested and charged later in the day, He remains in custody at the Middlesex County Adult Correction Center in North Brunswick.
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SCHOOL HOLIDAY WORKSHOP: Water Wheels
Join local artist Amanda Stuart to see how water flows through the farm, and make your own model water wheel. Participants will tinker and make with 'loose parts' using timber, hammers and nails. Discover how the Curley family stored water, and find out how they used the well in the early 1900s. This program engages children and their carers in the built and grassland heritage of Canberra, and is informed by the New Nature Movement. A self-guided map will direct participants through the museum's paddocks to stimulate sight, hearing and touch in the natural environment.
Amanda Stuart is a Canberra based visual artist. After studying land management and earth sciences at university, Amanda worked as a park ranger. She studied an Honors degree in sculpture at the ANU School of Art, and went on to complete a PhD in Visual Art, in the Sculpture Workshop. Her practice embraces drawing, object making, sculptural installation, performance interventions in environments and the photo documentation of her work in situ.
For children aged 7 to 12 years
$10 (ACT M&G Members $5), bookings by Wednesday 4 October
Friday 6 October: 10–12pm and 1–3pm


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WASHINGTON Municipal market participants are relieved, if only for now, that Congress did not include a 28% cap on tax-exemption in the last-minute fiscal cliff deal it narrowly passed to avoid most of the scheduled tax hikes and spending cuts.
We dodged a bullet, said Matt Fabian, managing director at Municipal Market Advisors. The time crunch prevented a larger deal that would have impacted the market.
The fiscal cliff deal, brokered by Vice President Joe Biden and Senate Minority Leader Mitch McConnell, R-Ky., and finalized in the early hours of New Years Day, permanently indexed the alternative minimum tax for inflation so that nearly 30 million individuals wont be subject to the law, originally intended for wealthy Americans.
We are pleased that Congress has finally and permanently addressed the long-standing issue of the AMT patch, said Michael Decker, co-head of municipal securities at the Securities Industry and Financial Markets Association. The expiration of the previous patch threatened to significantly raise borrowing costs for AMT bond issuers.
The package also allocated $400 million for qualified zone academy bonds and included a two-month delay on the automatic, across-the-board federal spending cuts known as sequestration.
Other details of the fiscal cliff package relevant to the muni market include: increase the arbitrage rebate exception for qualified school construction bonds to $15 million from $10 million on a permanent basis; allow tax-exempt bond private activity bonds to be issued for qualified education facilities in states with annual volume caps that are the greater of $10 per resident or $5 million; extend the deduction for state and local sales taxes by one year; extend New York Liberty Zone bonds by one year.
The Joint Committee on Taxation estimated the total price tag of the bill will be $3.9 trillion over 10 years.
However, Fabian and other market observers noted that although munis were unharmed, its only a matter of time before the market starts to feel the heat again.
The president clearly has a priority of rolling back the value of tax expenditures for upper income earners, Fabian said. Although it didnt happen this time, in future tax reform discussions the pressure is not off the federal government. The budget balancing that needs to be done cant be done only through spending.
There are a trifecta of issues looming that the 113th Congress and President Obama will have to tackle in the coming months including raising the federal governments debt ceiling, addressing the sequester and passing a budget resolution to keep the government funded. Comprehensive tax reform is likely to be addressed as well.
If muni bonds and other things were on the menu, they have picked their first course, we still have the second and third course to go, said a tax lobbyist. So we are still on the table. This is by no means over.
While the fiscal cliff deal provided state and local groups temporary relief, they will continue to lobby Congress and the White House about the importance of tax exemption as well as shifting the burden to local governments.
We view this as Round 1 and are well aware that a full debate on tax reform could revisit public policy arguments on municipal bonds, said Marc Jahr, co-chair of the Municipal Bonds for America, a coalition issuers, dealers and brokers. The focus should not be on revenue but on the shared responsibility of federal, state and local governments to insure that vital public infrastructure continues to be financed by the most cost-effective means possible.
Lars Etzkorn, program director for the National League of Cities, said there is a continuing threat to tax exemption and state and local groups need to remain vigilant.
What we learned in the discussions that just happened, is that they were not highly transparent, Etzkorn said. Once the discussions are underway, its almost too late. We need to get the information to the decision-makers before they get to the conference room.
Scott Pattison, executive director of the National Association of State Budget Officers agreed and said that while states assume there will be spending cuts that will affect their long-term debt situation, primarily the concern tends to be the lack of certainty and unpredictability.
One tax provision that surprised some muni market participants was the inclusion of the Clinton-era phaseout of itemized deductions known as Pease and the personal exemption phaseout (PEP) for individuals earning more than $250,000 and couples earning more than $300,000.
Chuck Samuels, lawyer-member of Mintz, Levin, Cohn, Ferris, Glovsky and Popeo PC, said the muni market temporarily avoided a 28% cap on the value of tax exemption due to the alternative Pease and PEP provisions.
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An Iraqi Kurdish editor of a magazine that advocates relations between the Kurdistan region and Israel has been missing for more than 10 days, a journalist from the publication said on Wednesday.
Mawlud Afand, the editor-in-chief of the Israel-Kurd Institute's magazine, has been missing since June 8, said Diyari Mohammed, a correspondent for the magazine in Sulaimaniyah, in the autonomous Kurdistan region of northern Iraq.
During a visit to Sulaimaniyah, Afand "went alone for an appointment… and disappeared," Mohammed said.
A woman who spoke Persian answered Afand's phone on June 13, but it has been switched off since then, Mohammed said, adding Afand's colleagues have raised the possibility he was kidnapped by Iranian intelligence.
Mohammed said the president of the Israel-Kurd Institute, Dawood al-Baghistani, had been informed by the Kurdistan region's government last year that Iran wanted the magazine closed, but that Kurdistan declined to do so.
Iran has alleged its arch-foe Israel was operating in Kurdistan, claims the region has rejected as "untrue."
On May 5, Tehran's consul in Arbil, Azim Hosseini, said Iran's security agencies had found evidence that "Israelis are in Kurdistan, and they are working against Iran."
And on April 21, Iranian MP Esmaeel Kosari told Al-Alam, an Iran-based Arabic-language news channel, that Kurdistan and Azerbaijan "should know that the presence of the Zionist regime on their soil will be harmful to them."
The Kurdistan regional government responded by saying: "This is not the first time that Iranian officials are saying this without presenting evidence or reasons."


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We just spend 2 weeks in Toscany, Italy. Kaya was our tourguide (as this pictures show) and we could hardly keep up with her pace...She was far more interested in fresco's and sculptures than we were, so we just left her in museums while we were off eating icecreams. Had a great time!! Kaya also showed us how to flirt with Italian men: just have blond hair, smile and say 'ciao' and they immediately fall in love with you :-)
Saturday, May 31, 2008
Holiday in Toscany, Italy
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Ontario Real Estate Documents
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The most recent example of this in U.S. financial markets is the Fed taper. Before the Fed taper talks, the general expectation was that quantitative easing would continue into the indefinite future and that there would be no premature tightening. As a result, the stock market seemed very resilient because there were expectations of strong growth conditional on Fed easing. The Fed misinterpreted these expectations as independent of the Fed's policy of QE and decided to tighten.
However, fiscal authorities can also face the same circularity problem. If an economy is highly dependent on government spending, then real economic conditions may be determined conditional on expected future fiscal easing. And if the fiscal authority sees the strong current economic conditions as a justification for austerity, then this too may cause a fall in growth in the same way that a premature monetary contraction can slow growth.
The Chinese government is currently facing this fiscal policy circularity problem. In an interview on June 18th with the IMF mission chief for China Markus Rodlauer, he notes that high frequency data such as retail sales, investment growth all point to moderate growth. Even thought the PMI may have faltered a little bit, it's well within historical ranges. Rodlauer takes this and makes the conclusion that there's really no need for stimulus.
While he may be right, it is also likely that the Chinese government could fall into a fiscal circularity problem. Especially since Chinese fiscal policy has the ability to reallocate a large amount of resources, much of business is conducted on the basis of expectations of future government policy. Under these conditions, concluding that economic conditions are strong on the basis of high frequency data may cause the fiscal authority to be too sluggish in responding to a slowdown in growth.


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Compound and Elemental Analysis At Seven Mile Hole Area (Larson, Et Al., 2009)
From Open Energy Information
Exploration Activity: Compound and Elemental Analysis At Seven Mile Hole Area (Larson, Et Al., 2009)
|Exploration Activity Details
|Seven Mile Hole Area
|Exploration Technique
|Compound and Elemental Analysis
|Activity Date
|not indicated
Standard X-ray diffractometer (XRD) analyses were used in the laboratory to confirm the PIMA mineral identifications and to look for minerals that have poor SWIR response (e.g., quartz and feldspars) or were not present in great enough concentrations to be detected by the PIMA. Petrographic and electron microprobe analyses of selected samples were conducted in the laboratories of the GeoAnalytical Laboratory at Washington State University. The distributions of hydrothermal mineral types or associations in the Sevenmile Hole altered area are shown in Fig. 3.
- Peter B. Larson, Allison Phillips, David John, Michael Cosca, Chad Pritchard, Allen Andersen, Jennifer Manion (2009) A Preliminary Study Of Older Hot Spring Alteration In Sevenmile Hole, Grand Canyon Of The Yellowstone River, Yellowstone Caldera, Wyoming
Additional References


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sku AL50039
Althorp Living History The Library Wine Table AL50039Althorp Living History Althorp Living History 10' 19' 10' 19' 30' 39' 30' 39' Coffee Tables End Tables Coffee Tables End Tables $500 To $1000 $500 To $1000 Living Room Living Room Classic Old World Classic Old World End Side End Side 10' 19' 10' 19'
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A rosewood quarter veneer and mahogany wine table, the top with a pierced brass three quarter gallery on a turned column and tripod cabriole legs terminating in pad feet. The original Regency, circa 1825. The Library.
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docand (about 6 years ago)
Bridgette, welcome to our web-site. I'm so glad to hear of a B&B that is crazy about pugs. If ever in N.Carolina, we will look your home up. We don't travel with Lexi though(at least not far away), but it would solve our home-sickness for her. We were in Calif. in June, for a wedding, and we found a young couple walking their pug. Did I ever "fuss" him over. Than I got lonesome for my Lexi. Welcome to PugSpot!..........Doc and his girls


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I'm Sorry For What I Said When I Was Hungry Tank
I'm Sorry For What I Said When I Was Hungry TankEach item is printed to order in the USA and ships from Columbus, OH in 3-7 business days. During Holidays, orders may take longer. _____________________________________________Size Chart Info:Length measurement is taken in inches from shoulder seam at collar to bottom hem. Width measurement is 1" inch below sleeves from side to side. Take a look at our Sizing & Fit Guide for additional information and model photos. Unisex Tank Sizing Chart (close to...
Discovered by Jessica Custer in Wishlist


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Anyone who is a regular reader of my blog knows that I have the actual worst luck with vehicles. The engines blow up, the interiors fall apart, or they just make noises that they shouldn't. This blog post isn't about any of those things….at least this time. This time, I want to spend some time talking about my windshield.
Rewind the clock to the end of January. My husband's car just stopped working. It just turned off in the middle of driving. It turns out some kind of pump failed in it. Until it could be replaced, it was undriveable. (Sidebar: Is undriveable a word? It is now!) We shared my vehicle for the entire last week of January until the new pump part thingee arrived and could be installed. I forget the reason, but he took my car to his dealership to check on something (or perhaps order the part)? That's when he noticed this:
A crack had formed in my windshield on the driver side. The crack was exactly at eye level (at least for me, a short person). My husband texted me with the bad news. SIGH. More money into the money pit. Two weeks prior to this, I had to get a new tire due to a pothole. Prior to that, I had to get two new tires because my back tires were bald. I started to call around for quotes. It turns out my comprehensive deductible on my insurance is 500 dollars. A new window costs 500 dollars. Why bother using insurance at that point?
As I called around for quotes, I kept getting asked the same question: Do you have a rain sensor? I'll be the first person to admit that I know next to nothing about cars, engines and vehicle stuff. I would have to assume that I do not have a rain sensor because my wipers do not kick on when it rains. To me, that's what I would think a rain sensor would be. Just to be sure, I wanted to call my dealer and double check. If anyone would know, it should be them, right? Wrong. They have no idea what they sold me. I then asked if they could look it up by VIN or if I could find it in my manual. NOPE. "Because the manual is generic" The only solution is to put 90 miles round trip on my car to go to the dealership for a 5 second inspection. Like, AYFKM? I left a nasty voicemail for Chrysler. Yep, that's right…Chrysler in Michigan. I already have an open case. We're on a first name fuckin' basis. But that's another story for another time.
Feeling helpless, I was left with no other choice to call my insurance agent and open a claim. My hopes were that the crack could be repaired without the windshield needing total replacement since I was getting the runaround. It seems a windshield repair is completely covered with my current insurance policy. Replacement is not. My insurance company contacted Safelite to come out and look at the windshield. Safelite is their preferred window replacement provider.
The next day, Safelite came out and with one look determined a repair was out of the question. The reason for this is that the crack went the entire way to the end of the windshield. Once that happens, the windshield is unsafe and not repairable. Fantastic. A new windshield had to be ordered and they set up a follow-up appointment to install it. The story doesn't end here folks….it is just beginning. Buckle up, because this ride is about to get bumpy.
Two days later, Safelite shows up to install my brand new $500 windshield. Except there's a problem. It's the wrong windshield. Let me repeat that. The wrong windshield. It turns out the first guy that came out to attempt a repair wrote down the wrong type of windshield on the work order. Guy #2 calls the office and explains the situation. A new (correct) windshield is ordered, but it "has to come from the factory" and will take "2-12 days to arrive" because "my car is super rare." Fine. Whatever. Just tell me, Guy #2, is the windshield going to fall apart and smash on me when I'm driving? Allegedly, it won't because it's made of multiple layers. Fine….do what you need to do. Blood pressure slightly elevated.
February 5th was the day that my $500 new-new windshield was supposed to be installed. That is to say the correctly ordered one. Guy #3 and Guy #4 show up. They can't install the windshield outside because it's lightly flurrying so we allow them to use the garage. Luckily it was cleaned out and organized due to the husband's car pump installation. The appointment was set for between 8am-12pm. They called to say they couldn't make it until 12-2pm. I'm slightly annoyed because I had work early Saturday morning and needed to sleep to get back on schedule. I ended up falling asleep and napping through their arrival and the installation. I had no choice. The work gets done and the bill is paid. If I didn't know any better, my car is in better shape now then it was when they first got there. I had a new windshield, the glass was clean, the car was vacuumed. I was impressed, though poorer.
I drove around with the new windshield on Saturday and Sunday. I didn't go anywhere on Monday and most of Tuesday. When I left the house for work on Tuesday, it was lightly snowing, but at that point it wasn't sticking to the roads. It was clinging and melting to the grass, cars and surfaces. I open my door to my car to drive to work around 2:45pmish and this is what I see:
I had to do a double take because I didn't believe what I was seeing. All of the snow that was melting was dripping down directly from above my rear view mirror, into my light fixture, then down into my dashboard, down the front of my stereo and temperature controls and into my cupholder and cigarette lighter. I don't smoke, so I use it for a car phone charger as you can see. Plugged into my stereo was my 6th gen iPod nano and it was sitting in nearly a half inch of dirty melted snow car water. I just about lost my mind. I quickly alerted my husband to what happened. We stood there and watched water drip from my windshield down into my car in amazement. Drip. Drip. Drip. I rescued my iPod, the cables and a USB power inverter from the water, but it was too late. It was already drenched. The car charger cable still works, luckily. I didn't test the USB power inverter thing yet, but I bought it at Five Below so it's really not a big deal. The iPod doesn't turn on. I'm not sure about the old style apple cable that was connected. That was the last type of cable I had like that and I shared it between that iPod and my iPad. I put the iPod in a bag of rice, but I'm not holding much hope for that.
I called Safelite again to complain about the shoddy installation of the windshield. Except this time I am yelling and cursing. My cars circuitry is working for the moment, but how do I know this water damage doesn't screw up something months from now? My iPod doesn't turn on. WHAT. ARE. YOU. GOING. TO. DO. ABOUT. IT. The answer was hang up. They hung up on me. It's not bad enough that they ordered the wrong windshield, broke an appointment and now ruined my car's interior and my personal effects, now they've hung up on me to boot. I call back AGAIN get a different rep on the phone and get transferred to the executive team who makes a follow-up appointment for yesterday.
Yesterday, Guy #3 from Friday and his boss show up. I opened up the car and showed them where the water was leaking. They take the windshield apart again and lo and behold, there's a big section of glue missing from where the water was leaking. They fixed everything and re-vacuumed my car. I was told by the boss that I needed to produce a receipt from my iPod. The iPod is years and years old. Apple doesn't make that model any more. I've moved and reorganized and I do not have the receipt. I don't know if I threw it away or what, but I do not have it. Once again, I call Safelite and explain the situation. They talked with corporate and they are paying to get my car detailed as well as a new iPod. I am just going to have to keep an eye on the circuitry. I don't know what to say or do about that until something breaks.
What bothers me the most about the iPod is not that it's just an expensive piece of Apple gear that was ruined. It's the songs loaded on it that meant a lot to me. I know it's probably worth not more than 50 bucks today and it was probably a $199 device in it's heyday at best. The songs that are loaded on it were from a specific time period in my life when I was dealing with specific struggles, worries, fears and had specific goals and dreams. The way that I felt when I listened to the music loaded on it cannot be replaced. My hard drive has died at least twice since the last time it was synced. I cannot re-sync it without iTunes wanting to format it and I don't want to format it. I have since upgraded to an SSD and travel less, so hard drive failure is longer an issue for me, but it's still upsetting. Lesson learned I guess.
Music to me is like photographs, poetry or art to other people. It makes you feel a certain way, it triggers memories. You cannot replace a piece of personalized property such as an iPod loaded with specific music from 3 hard drives ago. I can't just walk into Best Buy and say, can you please sell me the same exact iPod loaded with the same exact music? Sigh. I realize I probably sound like a child having a temper tantrum over this, but I don't ask for many things. Music is one of the few things that motivates me to do anything that I don't want to do. I listen to music when I clean, when I drive, when I'm getting ready in the morning, and throughout the day. Literally, any other device I own could have been in that center console and I wouldn't have cared. My iPod hits where it hurts. Look. I admit it, I hate driving. Listening to music was the one thing that made the experience somewhat enjoyable. It also keeps me awake when I'm driving exceptionally early or ridiculously late. Just ugh. Starting over sucks.
I really do not want anything from this company. I am happy they agreed to try to make things right, but it's more of a principle thing at this point. I kind of just want my car to go back to the way it was before this mess started, but unfortunately life does not come with a rewind button. As if that all wasn't bad enough, I get this in my e-mail:
Salt in an open wound much, Safelite? So, I'm going to fill out the survey and send them a link to this blog post. Would I recommend this company to friends and family? Hell no. I think it would even be cruel to recommend them to my worst enemy.


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(PRWEB) January 02, 2014
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Myles Jury meets Mike Ricci in the main event of the UFC on Fox Sports 1 preliminary card for UFC 165: Jones vs. Gustafsson from Toronto, Ontario, Canada.
Jury, an undefeated (12-0) UFC lightweight, just scored his biggest win in his MMA career when he stopped Ramsey Nijem in the second round with a thunderous knockout punch.
The hot prospect goes into detail about how he feels he'll rack up the W on Saturday:
"I've played the fight out in my head," Jury told RM Sports. "I see myself finishing him with punches, jiu-jitsu, outwrestling him – all that good stuff."
Vid was originally posted on Fightline.com


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Harry Potter author JK Rowling's first adult novel, The Casual Vacancy, was released worldwide on Thursday. Potter admirers be warned: this is absolutely unfamiliar ground for Rowling and her fans. Nonetheless, REBECCA DAVIS finds, it's not all that bad.
While reading initial reviews of The Casual Vacancy, many of which gasped at the novel's coarse language and sex scenes, I was reminded of the decision of Daniel Radcliffe to choose the psycho-sexual play Equus as one of his first post-Harry Potter acting roles. The production required him to spend time onstage naked, getting his jollies from a horse. It was decidedly non child-friendly stuff. The provocative choice – he could, after all, have started with something more middle-ground, like The Mousetrap – seemed deliberate, a clear message out that Daniel was all grown up now, and his schoolboy wizard days far behind him.
Rowling seems to be doing something similar via The Casual Vacancy. Carping about swearing in this novel – as, most notably, the Daily Mail's hateful and hate-filled columnist Jan Moir has done – seems utterly bizarre. Why shouldn't there be swearing in this novel? It's a novel for adults. Adults often swear. The descriptions of sex, too, are far from gratuitous. Nonetheless there is a sense, particularly in the initial pages, that Rowling is staking her new ground out quite firmly.
"A great apron of stomach fell so far down in front of his thighs that most people thought instantly of his penis when they first clapped eyes on him," reads an early description of a main character; "wondering when he had last seen it, how he washed it, how he managed to perform any of the acts for which a penis is designed". Toto, we ain't in Hogwarts no more.
While I was reading The Casual Vacancy at a Kloof Street coffee shop, a woman next to me leaned over. "Excuse me, that doesn't have anything to do with Harry Potter, does it?" she asked. No, I replied, explaining that it was Rowling's just-published foray into adult literature and that it had received mixed reviews. She didn't like the sound of those mixed reviews.
"Do you not think that people will just say it's bad because they don't want her to have too many good books?" she asked earnestly.
Actually, it's not a bad question. There is both a tremendous amount of pressure on Rowling, with this first foray into "serious" literature, and a tremendous amount of hype attached to the actual book. The novel is expected to be one of the best-sellers of the year, swelling the coffers of a woman who is already the richest novelist in history. The photograph of Rowling, on the hard-cover dust jacket, has subtly changed in tone since Potter days. Rowling is pictured in an armchair in what looks like a stately home, or at least a grand living room. She is no longer the single mother who hit it lucky with her likeable wizard series. She is now, for better or worse, a national treasure.
The stultifying effect this must have on Rowling's writing can only be guessed at. She has said that she considered publishing The Casual Vacancy under a pseudonym, because it was the only way in which the novel would be judged on its own merits, and because she feared its reception. Ultimately, however, she said she felt it was braver to bring it out in her own name. Will she regret that? Some reviews have been pretty brutal so far, yet had the novel been brought out under a pseudonym, it is almost impossible that it would be a bestseller. It would not be nominated for the Man Booker prize. It would be treated, perhaps, as a decent, slightly over-ambitious novel, showing promise. But that's all irrelevant, because we all know that JK Rowling wrote it, and it's very hard to extricate that from her previous work, as much as we know that we should.
Was anyone really expecting a work of genius from Rowling? What made the Harry Potter series compulsively readable was largely her skill at creating a meticulously-conceived alternative world. But the books are not in themselves beautiful, mysterious and wise in the way of, say, Philip Pullman's His Dark Materials trilogy, which can be read on a multitude of levels. Within the Harry Potter universe, the "Muggle" (non-wizard) world was always portrayed as pretty dreary. Without any magical elements at all, the world according to Rowling – as seen in The Casual Vacancy – is dark to the point of hopelessness.
The story is set in the town of Pagford, which we are told is in England's West Country but really just seems to stand for "Middle England": unplaceable but recognisable. It conforms to the small-town cliché of seeming unremarkable on the surface but having tensions bubbling below. The youngsters of Pagford yearn for the metropolitan centre: they "dreamed of London and of a life that mattered", we are told. If all this sounds familiar, it's because it is. These are tropes recurring through English literature since the invention of the novel. It is to Theo Tait, writing for the Guardian, that we owe the coining "Mugglemarch", as a description of this novel – a reference to both its Potter antecedents and its George Eliot heritage.
All is not well in the town of Pagford, and its murky depths are brought to the surface in the aftermath of the death of a popular Parish councillor, Barry Fairbrother. One central, cataclysmic event causes ripples through a small town: this, too, is familiar territory. The death of Fairbrother opens up a coveted position on the Pagford Parish Council, and soon the town is in a state of virtual civil war. In the recounting of the rivalry between local would-be councillors, I was reminded of the late Victorian novelist EF Benson's Mapp and Lucia series. Except that the Mapp and Lucia books are full of warmth, charm, and irresistible humour; The Casual Vacancy is as if French misery-guts Michel Houellebecq took a turn at re-writing the series one rainy afternoon.
The novel is exceedingly bleak in its view of human relationships of all kinds, but particularly in its view of adult sexual relationships. Parent-child relationships also come off badly. Rowling gives us both the child's and the parent's point-of-view in some relationships. While empathy for all her characters is a calling-card of the author, there is a sense that her sympathies ultimately lie on the side of the children. This is particularly demonstrated by one really caricaturish father, Simon Price – prone to punching his youngest son Paul in the nose till he bleeds and then yelling things like "Pauline's got her fucking period again" – who is an almost perfect amalgam of Vernon Dursley, the man from whom Harry Potter was rescued, and the father in the Roald Dahl novel Matilda.
Rowling is at her best with the teenage characters, so it's no coincidence that much of the action takes place around a school. She is funniest when she writes about the kids. Of one particularly dysfunctional schoolgirl, for instance, she notes: "Krystal's slow passage up the school had resembled the passage of a goat through the body of a boa constrictor, being highly visible and uncomfortable for both parties concerned". On the subject of a schoolboy's crush, she writes: "The chimeric Gaia who filled his fantasies was a sexually inventive and adventurous virgin".
When it comes to the action around the adult characters, however, part of the problem is that it's so damn plausible. No doubt many platforms of local politics function precisely how she explains the Pagford Parish Council, but the issue is that their petty betrayals and mean-spirited behind-the-scenes machinations are ultimately rather dull. Who wants to read the minutes of parish council meetings, or endlessly speculate on who might fill an unimportant local committee position? Yet this is essentially what we are asked to do as readers, as well as eavesdrop on a number of excruciatingly failing relationships.
Rowling is at her best in the novel skewering the pretensions of the upwardly-aspirational middle class. "It was classy to volunteer; it was what women did who had no need of extra cash," a character realises. She is also very gifted at capturing the back-and-forth of thoroughly banal cocktail-party chitchat, where phrases like "Never a dull moment!" are brought out as though they were priceless witticisms.
There are also some wonderfully sharply-observed characters. The reluctantly-ageing housewife who develops a crush on a boyband member and is humiliatingly relieved to discover that it's a different member of the band to the one her daughter lusts after. The pretentious deli-owner who "had introduced fine dining to Pagford with the élan of a sixteenth-century adventurer returning with delicacies from the other side of the world." The woman in a largely unreciprocated love affair who stays on the line, after her unwilling boyfriend has rung off, in order to pretend to return expressions of love for the benefit of any co-workers who might overhear.
But the novel is very long, with a vast roster of characters to keep track of, and none of them are very likeable. The only character who seems uncompromisingly nice is the recently-deceased man who forms the absent centre of the novel. For the rest, there are few to warm to. This would be perfectly acceptable, except that in a novel of this length (503 pages), one eventually tires of following figures without much caring as to their fates.
Over the last quarter of the novel, the pace suddenly accelerates from ambling to sprinting, with the plot growing progressively less plausible in terms of the speed and scale of social disintegration it describes. Unlikely coincidences pile on each other, and the tone turns mawkish. It's hard to buy. "People round here are effing mental," says one schoolgirl, and by the novel's end, you can see what she means.
What is it that elevates a novel from good to great? What quality raises a novel from fiction to the status of literary fiction? You may find yourself asking this question throughout The Casual Vacancy. Whatever that elusive quality is, this book doesn't have it. Then again, neither did Harry Potter. DM
Photo: Author J.K. Rowling poses for photographers during a event to publicize her adult fiction book "The Casual Vacancy", at the Queen Elizabeth Hall in London September 27, 2012. J.K. Rowling's first foray into adult fiction was bound to be compared to her wildly successful Harry Potter series, and, while "The Casual Vacancy" has earned mixed reviews, for some critics the magic has worn off. REUTERS/Paul Hackett
"The soul is known by its acts" ~ Thomas Aquinas


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To have a legend like David Morales talk to us about his relationship with Frankie Knuckles is humbling.
(PRWEB) May 02, 2014
Online nightlife and gaming site ADANAI continues its series of exclusive DJ interviews, branded under the moniker "Inside the ADANAI DJ Booth" with legendary DJ David Morales speaking about recently deceased house music legend Frankie Knuckles. Morales spoke about how he met Knuckles, Def Mix and some of his all time favorite tracks.
In recent weeks, ADANAI has also sat with Producer/DJs Eva Shaw, Adrian Lux, The Crystal Method and Icona Pop.
"When we kicked off this series last year with the likes of Armin Van Buuren and Porter Robinson we thought this might be a nice series," said Ki, ADANAI's founder. "To have a legend like David Morales talk to us about his relationship with Frankie Knuckles is humbling."
In the coming months, the series will continue with the likes of Sharam, TOKiMONSTA, and DJ Dani. There are also several local DJs from Sweden, Ibiza and New York City scheduled for a trip to the ADANAI DJ Booth.
To read the David Morales interview, visit: http://adanai.com/david-morales-interview/.
About ADANAI
ADANAI provides an in-depth, inquisitive look into the worlds of nightlife & partying (night clubs, DJs, brunch parties, pool parties, sports bars, destination parties, edgy restaurants), and gaming (video games, poker, social games). ADANAI: the preeminent domain for nightlife and gaming connoisseurs. Please visit http://www.adanai.com to learn more.


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Glitz Salon & Spa is located at the address 581 Northfield Ave Ste 4 in West Orange, New Jersey 07052. They can be contacted via phone at (973) 324-1191 for pricing, hours and directions. Glitz Salon & Spa specializes in Acute Pain, Allergies, Back Pain.
Glitz Salon & Spa has an annual sales volume of 0 - 500K. .For more information contact Layla Ghamlouch, Owner
Glitz Salon & Spa provides...
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Glitz Salon is conveniently located in the South Mountain Mall. Glitz Salon offers a full service hair for women, men and children offering services ranging from hair cuts and styles to perms, coloring, highlights and styling for special events. The stylists at Glitz also do manicures, pedicures and waxing.
Glitz Salon & Spa is located at 581 Northfield Ave Ste 4, West Orange, NJ. This business specializes in Beauty Salons.


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$929.00 $1,996.00
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Or as low as $85/month
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End Table
Glass, Wood
Other Colors
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158 lbs
AICO Oppulente End Table in Sienna Spice 67202-52
The Oppulente® collection is influenced by the divergent cultures of the three continents that make up the Mediterranean coastline. Spanish, Moorish and Italian origins converge to create an abundance of finely crafted details. The Moors created some of the finest city plans in ancient history. The city of Cordoba for example, had running water, air conditioning, heating, and working lampposts that lit the streets at night, causing Cordoba to be one of the most cosmopolitan cities of its time. Italy has been the source of many of our modern pieces of architecture, whereas Spain is home to some of the greatest architectural sites in the world. With these influences merging together in one collection, the Oppulente® collection has become a unique experience. Offered in warm Sienna Spice finish, this collection is sure to impress with its ornate metalwork, exquisite marble inlays and intricate carvings. Like the timeless treasures that inspired it, Oppulente® will bring home feelings of both tranquility and affluence.
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BiltongPosted on October 13th, 2007 by Head Chef
Filed in: Miscellaneous, Snacks, South Africa
South Africa's all time favourite snack – Biltong is a dried meat snack that originates from South Africa. Different meats can be used to make Biltong (beef is the popular standard). Biltong is made from beef, ostrich, game (springbok, kudu) …
Welsh Amber PuddingPosted on October 1st, 2007 by Head Chef
Filed in: Desserts, Great Britain, Sweets
This traditional Welsh pudding recipe serves 4 – 6 guests. Serve it hot, warm or cold. Delicious served with cream! Great as a dessert or with afternoon tea.


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|Baha'i History Baha'i History: The Báb, Bahá'u'lláh, `Abdu'l-Bahá
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Senior Member
Joined: Sep 2010
From: Canada
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A Book like Quran
Baha'u'llah in Iqan, narrates a Hadith that Qaim reveals a Book like Quran:
In the "Biḥár" it is recorded: "In our Qá'im there shall be four signs from four Prophets, Moses, Jesus, Joseph, and Muḥammad. The sign from Moses is fear and expectation; from Jesus, that which was spoken of Him; from Joseph, imprisonment and dissimulation; from Muḥammad, the revelation of a Book similar to the Qur'án."
1. What is the name of this Book?
2. How long it took the Bab to complete it according to history?
Last edited by InvestigateTruth; 02-19-2016 at 06:21 AM.
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Can you quote the passage of the Iqan? Por favor.
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'In the Aválím, an authoritative and well-known book, it is recorded: A Youth from Baní-Háshim shall be made manifest, Who will reveal a new Book and promulgate a new law;
'In another passage, it is related of Sádiq, son of Muhammad, that he spoke the following: There shall appear a Youth from Baní-Háshim, Who will bid the people plight fealty unto Him. His Book will be a new Book, unto which He shall summon the people to pledge their faith. Stern is His Revelation unto the Arab. If ye hear about Him, hasten unto Him.'
I hope this helps.
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The Hadith that Baha'u'llah refers to, I found in the Shia Book, called Bihar Alanwar, and goes like this:
Imam Muhammad Baqir (a.s.) said
"The master of this matter has aspects like those that four of the prophets have had; an aspect of Musa, one of Jesus Christ, one of Joseph and one of Muhammad (peace be upon them)."
I asked: "Which aspect of Musa (a.s.)?" He said: "Afraid and lying in wait." I said: "Which one of Jesus Christ (a.s.)?" He said: "It will be said about him (Imam Mahdi) as that has been said about Jesus Christ (a.s.)." I said: "Which of Joseph?" He said: "Prison and disappearance." I said:
"Which of Muhammad (s.a.w.s.)?" He said: "If he (Imam Mahdi) appears, he will imitate his grandfather, Muhammad (s.a.w.s.) but he will unsheathe his sword for eight months, during which there will be commotion, until Allah becomes pleased." I said: "How will it be known that Allah becomes pleased?" He said: "Allah will put mercy into his (the Imam's) heart."
I noticed that, in the way Baha'u'llah narrates the hadith and this version I found in Bihar, it appears there is a difference in the last part.
Baha'u'llah says, the similarity between Qaim and Muhammad is Revellation of a Book similar to Quran, whereas this Hadith in Bihar, states that:
"If he (Imam Mahdi) appears, he will imitate his grandfather, Muhammad (s.a.w.s.) but he will unsheathe his sword for eight months, during which there will be commotion, until Allah becomes pleased." I said: "How will it be known that Allah becomes pleased?" He said: "Allah will put mercy into his (the Imam's) heart."
It seems to me that Baha'u'llah interpreted "imitation from Muhammad" as "Revelation of a Book similar to Quran". The Sword in this Hadith is the symbol of the Tongue of Qaim, which reveals the New Book. Elsewhere, in a Hadith, Muhammad stated, God gives Power of speech to the sword of Qaim.
Another thing I notice in this hadith is a reference to Eight Months.
My initial thought was this would be the Durarion which the Book is revealed.
Last edited by InvestigateTruth; 02-19-2016 at 09:32 AM.
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I did a little investigation on this matter a month or so ago, and was greatly aided by my friend and his own study network. I can share some notes that my friend sent me. I will quote from our email correspondence. I apologize for the flood of text, but I'd rather have everything said on record somewhere than try to edit this down to the bare essentials, because I am feeling lazy.
Here is the quote from his Baha'i friend who reads classical Arabic:
Last edited by Neal; 02-19-2016 at 01:19 PM.
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From: Canada
Posts: 1,297
Thank you Neal!
Actually the Bab himself refers in Qayyum alasma, that is the Book Like Quran:
"O people of the city! Ye have disbelieved your Lord. If ye are truly faithful to Muḥammad, the Apostle of God and the Seal of the Prophets, and if ye follow His Book, the Qur'án, which is free from error, then here is the like of it—this Book, which We have, in truth and by the leave of God, sent down unto Our Servant. "
"DOTH it seem strange to the people that We should have revealed the Book to a man from among themselves in order to purge them and give them the good tidings that they shall be rewarded with a sure stance in the presence of their Lord? He indeed beareth witness unto all things…"
But I am not sure what the Bab means here:
"When the verses of this Book are recited to the infidels they say: 'Give us a book like the Qur'án and make changes in the verses.' Say: 'God hath not given Me that I should change them at My pleasure.' I follow only what is revealed unto Me. Verily, I shall fear My Lord on the Day of Separation, whose advent He hath, in very truth, irrevocably ordained."
Regarding revelation of the Book in 40 days, I am still searching for some Schollarly work on the history of the Book.
Last edited by InvestigateTruth; 02-19-2016 at 02:02 PM.
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Recently we planted Perpetual Spinach which has turned out to be not so 'perpetual' after all as another one of our local pests has been chomping on it. The CEO said it may have been a hare or a rabbit as, according to the TV news, the latter are becoming a problem in Queensland once again.
Also the Dinosaur Kale is looking a bit the worse for wear as it is also being eaten but I can't find any caterpillars on it so am not sure what its problem is. I have planted my Landcress ( Barbarea vulgaris) seeds from Eden Seeds and am hoping that they will help to deter the caterpillars that like to chomp on all my brassicas.
We have yet another new Tamarillo tree which some kind bird must have helped to propagate. I am hoping that Blinky from The Herb Barrow will be able to help out with a sugar free recipe to use these up before the flying foxes find them.
I have been challenging myself to try and improve my knitting and crochet skills and recently found an interesting pattern for 'The Almost Lost Washcloth Pattern'. You will have to check out the website to find out why it was called that :-) I am making a Mini version using this pattern.
However I am just going to make a little coaster out of it. This pattern was a bit of a learning curve for me as I had never heard of 'knit back'/flip before but I think I am getting the hang of it. Obviously there were a few more beginner knitters who were having trouble too and mentioned that in the comments as later on a more detailed tutorial was done which is very helpful.
I also made a jam pot cover from a pattern in a lovely book from the local library called 'Cute and Easy Crochet' by Nicki Trench. I think I made the larger version and it was too big for a jam bottle so I put it on a medium Moccona bottle but it looks a bit like a pimple on a pumpkin. LOL! Anyhow, I was quite happy that I had actually finished it by the end of March.


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Leave aside the theatrics of gyrating prostitute-lookalikes during halftime. The real contrast in American culture was in the commercials. It pitted an ad featuring Paul Harvey talking about American farmers against a Coke ad featuring glorification of leftists tagging private property.
The contrast is stunning. In one, we hear about the greatness of Americans — the value of hard work and compassion, the value of commerce, of providing goods Americans need. In the other, we see the most superficial depiction of peaceful values — graffiti on presumably privately-owned property. The old school commercial demonstrates why America was great; the new school demonstrates why America may not be great for long.


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CPO Commerce Launches SawStop Branded Site
Feb 27, 2013, 08:40 EST
PASADENA, Calif., Feb. 27, 2013 /PRNewswire/ -- Leading online tool retailer CPO Commerce has added CPO SawStop to its stable of branded retail websites. CPO Commerce now operates 44 specialty online retail stores.
Rob Tolleson, CPO Commerce's Founder & CEO, is excited about adding SawStop to CPO's line of brands. "SawStop produces premium-quality cabinet and contractor saws. SawStop's incredible safety technology is what sets them apart from the competition."
"Statistically, table saws are the country's most dangerous power tool," stated Tolleson. "In North America over 4000 emergency room visits occur each year due to severe table saw injuries. Many of these result in loss of digits, hands and even limbs. SawStop's innovative technology helps prevent accidents before they have a chance to happen." Mr. Tolleson further explains, "SawStop saws automatically detect contact with skin and stops the blade within five milliseconds."
About CPO Commerce
Established in 2003, CPO Commerce is America's leading online tool retailer, operating 40 brand outlet stores including CPO Makita, CPO Black & Decker, and CPO Briggs & Stratton (to see all of CPO's brand outlets, go to CPOoutlets.com). CPO's brand outlet stores are known for their full selection of new tools and accessories, as well as the country's largest selection of factory reconditioned tools. CPO Commerce also operates 4 specialty stores, Reconditionedtools.com, Tylertool.com, CPOoutdoor.com and CPOpressurewashers.com.
CPO has shipped over 1 million orders to professional contractors, woodworkers, and handy homeowners who appreciate CPO's commitment to its customers. BizRate recognized CPO in its Circle of Excellence, acknowledging that CPO goes above and beyond the norm to provide exceptional service to its customers. For five years in a row CPO Commerce has been recognized by Inc. magazine as one of the fastest-growing private companies in America.
Susan Warm | Affiliate Manager | CPO Commerce, Inc.
120 W. Bellevue Dr., Suite 300, Pasadena, CA 91105 | firstname.lastname@example.com
This press release was issued through eReleases® Press Release Distribution. For more information, visit http://www.ereleases.com.
SOURCE CPO Commerce


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- Availability: In Stock
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An illusion, jewel beaded neckline with deep v-neck and beaded bodice, layers of sparkle tulle to make a charming mermaid skirt, and sweep train. The illusion back is beaded on tulle with buttons and center zipper. Sparkle Tulle
In Stock:
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Items available in store
*A style on our web site listed as in-stock can usually be shipped today or next day for immediate delivery or quick delivery. An item listed as "Ships Today" can be sent the same business day as long as the order is placed before the cutoff time.


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Paid or unpaid defaults? Discharged bankrupt? Learn what you need to do to get a home loan.
Due to uncontrollable life events, such as suddenly losing your job, going through a separation or divorce or experiencing a sudden illness, you may have ended up with some bad marks on your credit. However, having bad credit may not preclude you from getting a home loan and owning your own home or investment property.
Thankfully, there are a range of specialist lenders and brands in Australia who will accept borrowers with paid and unpaid defaults, discharged bankruptcy claims, mortgage arrears and a high number of credit enquiries on their credit files. The products offered by these lenders are known as non-conforming home loans and are very flexible with lending conditions, usually also being offered to self-employed borrowers.
Read through the guide below to find out about bad credit and how it can affect your home loan chances.
How to get your bad credit home loan application considered by a lender
Are you struggling to get a home loan with bad credit? Compare the lenders, brands and brokers below and apply for a bad credit home loan today.
Check out a wider range of Pepper Money products for credit impaired borrowers
Read more about bad credit home loans
1. What is bad credit?
Bad credit occurs when you get one or more negative listing on your credit file, or you have a low Equifax score. Depending on how many and the type of listing, it could decrease your chances of getting a loan with a typical lender dramatically. Below are some examples of what a bad credit file contains:
- Unpaid bills - One of the main ways that people will get a bad credit history will be because they have unpaid bills. Make sure you keep your payments up to date and on time and try to pay them back as soon as possible.
- Late payments - While late repayments will affect your credit history, they will not have as much as an effect as unpaid bills.
- Previous credit rejections - If you have recently been declined a home loan, credit card or personal loan then you may get a bad credit rating from this. Many lenders see rejections as a negative thing, as it could show you're careless about your credit file.
- Applying too often - Tying in with the point above, it is a general rule of thumb that you should only make an enquiry for credit once every six months. Any more than this could raise a red flag to lenders, as it could show that you're struggling financially and require credit.
- Bankruptcy - If you have declared bankrupt then you will have a bad credit rating that will stay on your credit file from five to seven years. Even if you've been discharged, your name stays on a Solvency Index. Lenders can access this Index at anytime.
2. Which non-conforming lenders offer bad credit mortgage options?
There are several non-conforming lenders within Australia that will happily consider a home loan application from someone with bad credit. These include:
- Liberty Financial
- MKM Capital
- Pepper Home Loans
We can also help you compare other bad credit financial products
3. Am I eligible for a bad credit home loan?
All is not lost as there are credit impaired home loans are available for purchases if you can meet one or more of the following criteria:
- You are not currently bankrupt or in a Part 9 (IX) creditor agreement within the Bankruptcy Act. You can apply for a home loan with Pepper one day after being discharged. You'll need to wait two years for other lenders.
- You can put together a minimum deposit of at least 10% (or have enough equity in the property you want to refinance). Non-conforming home loans will usually lend out a maximum of 80% - 90% of the property value but any First Home Owner Grant (FHOG) you may be eligible to receive can be included as part of your deposit.
- You will be required to find money to pay any stamp duty and other costs outside of the loan allocation funds.
- You will need to prove you have a sufficient, ongoing income to service the loan repayments. Usually people rely on just pensions or those who are unemployed can not obtain a non-conforming home loan.
- Any outstanding debts, whether in default or otherwise must usually be declared and fully consolidated into your new mortgage and be fully paid out on settlement. Even taking into account of the consolidation of all outstanding debts your new home loan can still not exceed the LVR as set out by the lender.
4. Can I qualify for a bad credit loan if I'm a first home buyer?
You can still apply for a bad credit home loan if this is the first home loan you're applying for and you have the deposit ready. The same tips and information on this page applies to first home buyers, as applying for your first home loan as opposed to your second or third makes no difference to your eligibility all things being equal.
Keep in mind that if you're applying for your first home loan you should still be careful of your income and your deposit size. This is because unlike a buyer with a proven track record of paying off a home loan, you might not have an extensive credit history your lender can look for, so the other aspects of your application will come under more scrutiny.Here's how to navigate your way into the home loan space so you know which direction to take.
5. How do I get a home loan with bad credit?
One of the main factors that will determine whether you will be accepted will be your income and the nature of your bad credit. Typically, if your bad credit was triggered by a life event then lenders tend to be more understanding. However, if you were aware of your bad credit but continually and knowingly made it worse, then lenders may be more sceptical. Regardless, researching about your options, attempting to fix up your credit and choosing a specialist lender to go with should help you get back on track. Research what options you have:
- Opt for a specialist lender - There are number of lenders who specialise in dealing with borrowers who have bad credit. These lenders will normally have a criteria in place, such as a deposit of at least 10%, not currently in mortgage arrears and not currently bankrupt.
- Speak to a mortgage broker - A mortgage broker could have access to a few bad credit home loans in their database, so it's worth calling up and asking what your options are.
Develop a plan to get your credit file back on track:
- Saving up for a deposit - Getting back on track is the first step to saving up a significant deposit. This could include finding employment and gradually saving up the amount you need.
- Credit repair - While bigger impairments such as bankruptcy are hard to repair, the smaller impairments such a late repayments, inquiries and defaults can be paid back and removed from your file.
6. What tips are there for applying for a home loan with bad credit?
- Get expert advice or financial counselling - If you can afford the services of a financial planner, it might be a good idea to talk about the best strategy in repairing your credit. Alternatively, the Australian Government provides a free financial counselling hotline to offer general advice.
Free Financial CounsellingIf you would like free financial counselling you can call the Financial Counsellors hotl
- Have a budget to show a savings history and get rid of existing debts - When you have a budget you can show your lender exactly where your money is going and how much is being saved. You will be able to see whether there really is room in your budget for a mortgage repayment each month and you will have a plan to manage your home loan and other expenses. Also consider reducing or paying down any credit cards if you have any.
- See where you currently stand - Obtain a copy of your credit report to find out exactly what you're dealing with. You can get a full copy of your credit report, provided by Experian, for free from finder. Having a copy of your credit report before you meet with a bank or mortgage broker to apply for a home loan can also help you uncover whether there have been any mistakes on your credit report which have led to you having bad credit. These can be listings such as a bill being declared overdue when you have actually paid it, or someone fraudulently using your credit card details. In these cases bad credit can often be fixed.
- Be honest if you have bad credit - If you are honest about the fact that you have a less than perfect credit history, your mortgage broker or lender can more easily find a way around the issue, rather than finding out too late that there is a better type of loan could be applying for to ensure success.
- Provide accurate information in your application - Your lender will ask you about your income, your expenses, your assets and your liabilities so make a list using your budget to provide accurate figures for each aspect of your finances.
7. Are there any home loan features I should avoid if I have bad credit?
Applying for a home loan if you have bad credit is about more than just applying and hoping you are accepted. You also need to make sure that your home loan will help you manage your finances responsibly in the future, and not be tempted into making your bad credit history even worse. If you have a bad credit history consider avoiding features which may tempt you into spending more than you can afford, such as:
- Line of credit. A line of credit allows you to access the equity in your home up to a value decided on by your lender. Often you don't need to make repayments until you have reached the limit of your line of credit, and while a line of credit has a lower interest rate than most credit cards or personal loans, it requires significant discipline to not spend more than you can afford to repay.
- Redraw facility. Making additional repayments to your home loan is one of the most financially responsible things you can do, so make sure you look for a home loan which allows you to make additional repayments without attracting a fee. At the same time having a redraw facility on your loan can make it very easy to access those funds again, undoing all of your hard work.
8. What does my credit history report contain?
Your credit report includes information pertaining to when you made the application, what type of credit you applied for, how much you requested, as well as other information regarding your repayments. For example, if you have ever filed for bankruptcy or have defaulted on a loan or had a court judgement against you, this information, including pertinent details, will be found in your credit history file.
You can get your full credit report and credit score for free from finder today.
9. Are there any risks with a bad credit lender?
Just because certain lenders specialise in loans for people with a poor credit history, it doesn't mean that obtaining such a loan is easy or that bad credit home loans offer guaranteed approval. Since these types of loans are riskier for lenders, they tend to be extremely stringent, demanding higher interest rates and fees to cover themselves in case the applicant defaults on the loan. The thought pattern behind this is that the applicant has a bad credit rating for a reason and even if they have changed their ways, there's no guarantee that he or she won't default on the loan at a later date.
Additionally, with the new credit reporting code introduced in 2013, as well as the National Consumer Credit Protection Act (2009) and reforms to the Privacy Act 1988, lenders have to be even more careful to ensure they don't end up on the wrong end of the stick. This is because the legislation obligates lenders to only recommend financial products to their customers that they can easily repay without suffering any financial difficulty in the process.
If the lender approves a customer for a loan and the person cannot make their repayments and subsequently demands an investigation, the lender can end up losing their money if the independent investigator finds the customer to be in the right. That is, that the lender recommended a loan deemed to be unsuitable for the borrower's circumstances.
10. What do lenders assess in terms of credit history?
When a lender conducts a credit history check, they look at a number of factors which are then used to determine whether the applicant poses too much of a risk for them to approve their loan.
Credit application frequency
One thing all lenders analyse when assessing your credit rating is how often you apply for credit. The higher the number of applications registered in your credit history file and the more frequent they are, the less chance you will have of getting a loan. Of course, they will first ask you if there was a good reason for the frequency of the applications. Also, a lender could reject the application if there are a lot of credit applications on file but the borrower claims to have only a few debts. This is because the lender could simply believe that the applicant is being untruthful about their existing loans.
Type of credit applied for
The type of loans you applied for will also be important to a lender analysing your credit history. For example, someone who has applied for a large number of credit cards may be declined immediately because it leads the lender to believe that such an applicant is too reliant on credit. On the other hand, someone who has a large number of applications for home loans is understandable because they could simply be looking to find the cheapest offer.
Defaults, bankruptcies and other red flags
As with every lender, a non-conforming lender will look at all the red flags in your credit history. However, they will also demand an explanation regarding each entry and you will have to be thorough in the details you provide. If you try to hide something, you won't improve your credit rating, you will simply make the lender more suspicious and this may lead to your application being declined on the grounds that you were not being transparent enough or fully honest about your circumstances.
Peter and Mary apply for a bad credit home loan
Peter and Mary had been paying their home off for the past 20 years. Unfortunately, Peter fell ill and had to take four months off work. For the first two months they were able to cover the home loan repayments on the amount in their redraw account and Mary's wage covering day to day expenses.
It was after this two months that the couple started to struggle, having already taken a repayment holiday, bills were piling up and the home loan repayment was deemed more important. Numerous letters from the lender sat on the kitchen table. Peter and Mary eventually fell into arrears on their current mortgage.
A few months later, Peter was able to go back to work again and their finances started getting back on track. They wanted to refinance their home loan to extend it to 25 years instead so they could get back on track with smaller repayments. Since they already had a black mark with their current lender, they refused their application to refinance.
Peter and Mary did a significant amount of research online and decided to apply for a refinance with Pepper home loan. They already had the deposit ready from the equity they had built in their property. Pepper were happy to see that Peter was back in employment and offered them a loan.
11. Can I get a home loan with paid defaults on my credit file?
You might still be able to get a home loan if you have paid defaults on your credit file. These will appear on your credit history and your success will depend on the lender's policy.
12. My partner or spouse has bad credit, does that affect me?
If you decide to apply as a joint application for your home loan, your lender will take into account your partner or spouse's bad credit history. While your good credit history may offset some of that, the banks will make an assessment based on the whole and will let you know of the outcome. If you're declined by a typical lender, then you may need to speak to a bad credit specialist lender.
13. I'm currently on the pension, am I eligible for a bad credit home loan?
While lenders tend to accept pension payments as a source of income, you tend to need another source of income to be able to service a home loan. This is because a home loan is such a big amount, that Centrelink payments alone, won't be able to make to make the repayments. Other income sources include employment and assets that generate cash flow.
14. Do you qualify for a bad credit home loan?
The answer to this question will depend on the loan you apply for. Some lenders will clearly state which loans cater to which types of bad credit. Generally speaking, there are loans offered to most types of bad credit applicants, with the worst cases receiving higher interest rates.
15. Are there different types of defaults?
Defaulting on a utility bill and defaulting on a home loan payment are different things. Missing your utility bill payment will be listed as an unpaid default on your credit rating. By comparison, being 'in default' on your home loan means you have unpaid arrears outstanding on your account that need to be paid.
If you are in default on your home loan, chances are the amounts you owe are much higher than just the missed payment amounts. This is because your lender is likely to charge you overdue fees or missed payment fees, along with default penalty interest rates on top of your regular interest charges.
16. What are some of the documents that I would need to provide?
Full documentation
- PAYG - Typically last two pay slips with a letter confirming employment, latest group certificate, tax assessment notice of three months bank statements.
- Self employed - Last two years of tax returns plus tax assessment notices.
Low or alternate documentation
- ABN registered for 24 months though some lenders have a 12 month minimum
- Declaration of financial position, including business bank statements, business activity statements and accountant's confirmation
17. Are there banks that overlook defaults on bad credit?
Yes, there are a number of non-conforming lenders within Australia that may accept bad credit histories. Aside from this, many of the big banks may overlook a small default if your application is particularly strong.
Your credit fileIf you do have defaults listed on your credit report, there are some things you can do to improve your chances of being approved for a home loan. Here are some simple steps to take:
- Write a letter for your default explaining how it occurred
- Provide evidence to verify your explanation
- Pay off any unpaid defaults and ask the credit provider to change your listing to a paid default instead of an unpaid default
- Save as much money as you can. A larger deposit will go in your favour
- Search for a lender that is more likely to approve your application, despite your defaults
18. Are there any advantages and considerations of a bad credit home loan I should know?
- Get into the housing market sooner. One of the biggest advantages of obtaining a home loan through a bad credit lender is that you get to enter the housing market now instead of waiting until later. This gives you the ability to start proving to your lender that you are capable of keeping up with your financial obligations and making your payments on time.
- Can refinance to a regular home loan later. If you can manage to improve the value of the property you bought or pay down your home loan balance enough, you also have the opportunity to refinance your bad credit home loan over to a mainstream lender. This could mean slightly lower interest rates after you've proven that your bad credit rating was a temporary downfall in your past that you've since amended.
- Higher interest rate. Perhaps the biggest disadvantage to a bad credit home loan is that the interest rate is often higher than what is available from the big banks. This is because non-conforming lenders adopt a 'rate for risk' policy. As their risk increases, so too does your interest rate.
- Higher repayments. Due to the higher interest rate, this will also mean you could end up making higher repayments each month. If you are able to make your repayments on time, many non-conforming lenders may consider reducing your rate.


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Featured News - Current News - Archived News - News Categories
The newest members of the Huth Road Elementary School Third Grade Newspaper Club held their first meeting on Wednesday to lay the groundwork for their next publication. The newsroom is under the guidance of teachers Melissa Marciszewski (back row, far left) and Angela Gorecki (back row, far right), and fifth-grade editor Arthur Meaney (back row, third from right). The students also had a visit from Island Dispatch editor Larry Austin, who distributed free copies of the Dispatch to the aspiring journalists. He also handed out professional news reporters notebooks to the students, advising them to "treat the notebook like your underwear: no one should see it, and don't let anyone borrow it."


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To find historical stock market data, navigate to NASDAQ's official website and click on the "Quotes" tab. From there, enter a stock symbol and select "Historical Quotes" from the "Quotes" category under the box, according to NASDAQ. Follow the prompts to choose the stock's data to be displayed.Continue Reading
Finding historical stock market data on the NASDAQ website is fast and easy, requiring just a few clicks of the mouse and minimal information, reports NASDAQ. Follow the steps below to access historical data from the site.
Point any web browser to the NASDAQ website. From the homepage, click on the "Quotes" tab. This redirects to the Quotes page. Once on the page, enter an official stock symbol into the "Stock Lookup" text box. Enter up to 25 stock symbols at a time, separated by spaces or commas.
Choose the "Historical Quotes" option from the list of quote types under the "Quotes" heading.
Once Historical Quotes is clicked from the Quotes page, the page redirects to historical stock information for the stock symbol queried. When searching for multiple stocks, the stocks are all listed by separate blue tabs on the results page. Choose whether to read the HTML version that displays, or opt for an Excel download of the data. Select a timeframe to view, ranging from 5 days to 10 years.


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This post is sponsored by Spark Business℠ from Capital One®.
High-level skiers are always looking for the perfect slope, the right conditions, and the best equipment. Stephan Drake took things a step further: When he couldn't get the skis he wanted, he decided to make them himself.
Drake spent years seeking out the best slopes in South America and Europe before starting his own business to create high-performance skis for serious skiers. His ambitious goal: to design and produce the first pure carbon-fiber sandwich skis, a technology that took him years to develop and perfect.
Launched in 2005, DPS Skis— located at the base of the Wasatch Mountains in Salt Lake City — now employs 50 designers, engineers, photographers, skiers, and sales reps from all over the world.
We interviewed Drake as part of our Fast Track Q&A series, in which we're asking various small business owners the same 11 questions about their professional and personal inspirations. He shared with us the reasons he started DPS Skis, the story of his ill-advised stint as a bouncer in Venezuela, and the lengths his employees will go to give customers what they want. Read more in the series »
Interview conducted by Business Insider Studios and lightly edited for clarity and length.
BI Studios: When you were a kid, what did you want to be when you grew up?
Stephan Drake: I really wanted to be a skier from a pretty young age. I knew that I had an affinity for the sport, and I'd go out to visit my grandfather in Colorado and ski, then go back to NYC, and I'd spend the other 50 weeks in the city dreaming about being back there. By the time I was 8, my mom had already gotten me a subscription to Powder Magazine.
How did you get the idea for your business?
DPS was started based on a decade of global travel, through living a really passionate lifestyle, following the sport, and living it in its most authentic form. I was traveling season to season, going after that perfect run and that perfect turn, and going to some pretty exotic places. The idea really came from that pursuit, which is really all-encompassing and the fact that there was a void in the market.
The existing, established brands weren't building the equipment that we wanted to be riding on, and moreover, culturally, they weren't representing the dedication and lifestyle that certain people, the small group of people that you would see on different continents over and over, really had for the sport in its purest embodiment.
How did you pick the name for your business?
DPS stands for "Drake Powderworks." The idea was that the brand would have something personal to it and that skis are reflections of our vision of the sport. Since Drake is my last name, the skis had a stamp of personal craftsmanship, and then we decided to brand it as DPS.
What is the biggest risk you've taken in your career?
Naively, it really was just trying to build carbon fiber skis in China. It was a risk that we took not fully understanding at the time, but looking back that was kind of crazy and wild. We put all our chips on the table and felt so passionately about the concept and the design that I spent six to eight months a year there for five years, living on the edge on a shoestring budget, trying to develop this new ski technology.
What's the strangest request you've ever gotten from a customer?
The strangest requests we've gotten have involved custom topsheets, where we've had some weird requests for odd and slightly licentious stuff to be put on skis.
We've also had customers who will call us up and ask us to meet them and deliver skis at an airport or a mountain, and sometimes we've been able to accommodate those and go on cool little adventures to meet up with customers in the strangest places. I personally haven't been on any of those missions, but I've met our customers in far-flung continents or pretty off-the-beaten-path places in South America or Europe. Mike Cannon, our sales manager, has hand-delivered skis for guys all around the Wasatch area [in Salt Lake City].
What is your greatest talent (professional or otherwise)?
I would say that I do have a talent for skiing itself, as well as a unique ability to translate what I feel on the snow and in the equipment into the [ski] designs.
What's the first job you ever had?
My first real job was working as a dishwasher in a restaurant in Argentina, and it was a great gig. It was tiring, but I would come in every day at 4 p.m. and wash dishes, do food prep, and leave around 11:30 at night or so. Then I'd get up and ski all day the next day. I'd put my ski stuff in the locker and go right to work. It allowed me to spend a season down in Argentina.
What's the weirdest job you've ever had?
I was assigned to be a bouncer at a Venezuelan night club for a few days against my wishes. I'm not your typical bouncer. I was just a gringo, fresh off the boat, in this wild little outpost fishing village in Venezuela. I was just this 21-year-old American kid. If a group of five drunk Venezuelan guys wanted to come in without paying cover, I wasn't going to tell them not to.
Which entrepreneur or business personality do you most admire?
It's really fun to watch a guy like Elon Musk at Tesla and SpaceX combine innovation and passion with really neat ideas that are transforming the way we think about life and charging towards the better future within business. That's pretty inspiring.
Also, Yvon Chouinard at Patagonia. The company he's built and the ethics behind that business and the way he's gone about doing it — with a deference to lifestyle and cultural values that are intrinsic to the sports the company is built on — are also really inspiring. It's definitely influenced my own path in a big way.
If you had a superpower, what would it be?
It's pretty cliché, but flying would be not only fun, but practical. I think it would be very cool to be able to fly to the top of peaks and be able to ski down them. It would logistically be a lot easier and less tiring than what I go through currently. Another superpower would be instant self-healing powers of a Wolverine-type character because my body is pretty beat up after 36 years of abuse and hard skiing.
What advice would you give to an aspiring small business owner?
The advice I would give is to cultivate the ability to persevere, get tough, and mentally prepare yourself to weather storms, because there will be many. I think that's what separates those who survive and those who don't. A lot of people turn back when faced with adversity. If you believe in your vision strongly enough, perseverance is the number one thing that can get you from point A to B and beyond.
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