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[D62]David Cook All I Really Need Is You

by Jack Deal, Jac

On those rare but revealing occasions when our good Sherlock was bested, he had to swallow his pride, no small task, and go and seek counsel with his older brother Mycroft. Mycroft lived at the gentleman's club Diogenes, a place where few members spoke and all sipped their coffee and brandies and read the newspaper and looked at each other through the tops of their eyeglasses. That's where Mycroft lived. Mycroft also had some sort of government job but his exact duties and functions were unclear.

Sherlock would approach Mycroft and Mycroft would immediately start this sarcastic teasing of Sherlock. Only under the most extreme of circumstances would Sherlock go this route but there were times when he just couldn't get over the hump in the case. Even our man Sherlock could get stumped.

After a fair amount of belittling, Mycroft would give Sherlock the hint and one almost wondered if in fact Sherlock already knew the answer, but just couldn't get it out. And our poor hero Sherlock would slip away dragging his tail and feeling just a little bit wiser but a lot more foolish. Mycroft was Sherlock's comeuppance and reality check.

Yet curse as he may, Sherlock knew he would use Mycroft again. Sherlock knew there would come another case and he would have to go meekly before his brother and beg. The only thing worse than shame is ignorance.

Now whether Mycroft actually had the knowledge or just real good people skills is the question of the day. In the end Sherlock probably had the imagination and creativity to solve anything but at times just hit one of those mental blocks, as we humans are prone to do.

Did Mycroft actually know the answer or did he know how to structure the perception and question to reveal the answer? Did Sherlock always have the answer already within himself? Was Mycroft really too lazy to do the investigative work?

Would that our man Mycroft were around and on call today to help us out on this one. Like Sherlock we most likely would discover that a good dose of humility is a small price to pay for the right answer. The right answer can mean the difference between a project's success or failure. The wrong answer can lead one down a Narnian path to the twilight zone of no return.

Mycroft's secret was he kept getting a bigger and bigger perspective on the problem. At some point, he simply mastered it and moved on. Sherlock would hit dead end and like most of us throw up his hands in despair. Not Mycroft. Mycroft didn't structure the problem that way in his mind so he didn't feel that frustration. Mycroft didn't care. Mycroft just kept trying to get the greatest perspective he could on the problem and then probe Sherlock's head to fill in the blanks and connect the dots.

Holmes certainly led a more exciting life but clearly excitement was not how Mycroft measured his own life. Mycroft appears to be forever content sitting around the club reading the evening edition. Or the morning edition. Or looking wistfully at clouds of tobacco smoke. The club was Mycroft's reward for being Mycroft.

So in the end Mycroft probably didn't know the answer. Mycroft was a club rat; it kept him insulated from the cruel and insane world, a world of which our man Sherlock was always knee deep in; rogues and scoundrels and that sort of thing. In the end we have to conclude that Mycroft was nothing more than a well dressed guru pointing the way...and did perhaps Mycroft envy Sherlock?

At any rate we Sherlock freaks would like even tougher cases and to see our man Sherlock having to squirm and run to Mycroft for more brotherly advice. Sherlock seldom squirmed. This is what it's all about and part of what make both Mycroft and Sherlock tick. Well, at least Sherlock.

With Mycroft it was all just one big crossword puzzle but for Sherlock it was a way of life so that is why Sherlock wallowed in it. Mycroft didn't have to. Sherlock was the populist; Mycroft the aloof landed gentry. Sherlock lived life; Mycroft experienced life vicariously since it was so much tidier that way. Two paths that cross through necessity.

Besides, our Sherlock would never be content with the dull, gentlemanly life of the Diogenes club, right Sir Doyle?

OK, so maybe that's not exactly how most marriage vows go. But, how important are your potential spouse's credit scores in the grand scheme of things?

The first thing you need to understand when you marry someone with a previous bankruptcy appearing on their credit reports is that their bankruptcy and other bad credit will never merge with yours.

So, don't panic?you won't wake up one day and find their bankruptcy appearing on your credit reports. Credit reporting just doesn't work that way. You are two separate individuals with unique Social Security numbers, credit reports and credit scores.

All three of the credit reporting agencies in the United States store credit files on individuals?not couples. Never the two shall meet...unless, of course, you have accounts that are in both of your names. In that case they WILL show up on both of your credit reports and they WILL affect both of your FICO credit scores.

When you're applying for credit with your spouse, you need to pay attention to a few key things:

1. What it means to become a co-borrower
2. How and when to apply for credit together (also known as "joint credit")
3. When it makes sense to add your spouse as an authorized user on one or more of your credit card accounts

Marriages...bankruptcies...and mortgages...

It's a mistake to assume too much when you apply for a mortgage or new car loan.

The most common assumption is that if a person with a bankruptcy is added to the loan application as a co-borrower, the credit will automatically be more expensive. It might be. But then again...it might not be.

The best way to tackle this situation is to know all of your options. You start by knowing how to structure the deal.

How do you do this?

Simple, each of you should fill out individual credit applications.

Now, the lender can review your credit scores and advise you if you're better off submitting an individual or joint credit application to the lender.

The mortgage or auto lender should compare all your options and advise you of the pros and cons accordingly. If they don't take time to compare...take it as a sign that they don't have your best interest at heart and get a second opinion.

If you do like what the lender has to say?then take his advice and do what he recommends.

However, if you don't like what the lender has to say?then you have two choices:

1. Wait six months and work hard to increase your credit scores...then re-apply.
2. Take what you can get, even if it's a high interest rate?but use this only as your very last resort. (If then.)

There were many times my wife and I wanted something...and could have gotten it immediately (but at a higher cost). Instead, we would always wait until we qualified for the lowest interest rates and best terms.

At times it hurt. And we had plenty of arguments about waiting. But in the end, we both agreed it was for the best. It's amazing how much money just one or two extra percentage points on your interest rate can add to the cost of something over time.

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Both Jack Deal & Stephen Snyder are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Jack Deal has sinced written about articles on various topics from Computers and The Internet, Health and Web Development. Jack Deal is a Sherlock Holmes fan. may be found at