Renting With Bad Credit - Scarsdale, NY Patch

Rentals are hot right now. Renters understand that competition in certain areas is fierce, and they are doing all they can to convince a landlord to go with them. Choosing an occupancy date the landlord wants, along with offering much more than asking price has become quite common. Some tenants will even go so far as to pay 6 months of rent up front just to get the property.

When choosing a tenant, a landlord will commonly request interested parties to fill out an application, provide references and employment verification letters, and they will also request a credit check.

With all this competition for rentals, how can those with not-so-great credit compete?

Rule number one- know your credit score. Nothing is worse than thinking you have a great credit score, only to find out that you do not as the landlord is ripping up the lease in front of you. On the other hand, if you think you have a horrible credit score, but have not had the numbers run for some time, it is better to pull your report and have the actual facts at hand. It is always more beneficial to work at locating a property knowing what you have to work with.

Whatever you do, don?t guess your credit score. These numbers change every day, and it could be possible that the number is actually better than what you may believe.

Renters can easily pull their own credit score if they are not working with an agent. You can download a free credit report at www.annualcreditreport.com. Credit scores range from 300 to 850. Scores above 700 are considered to be good.

Rule number two- be honest. If you apply for a property, do not let the landlord discover your low credit on their own. If you are willing to let a landlord run your credit, warn them about the possibility of a low score ahead of time. No one likes surprises, especially a landlord.

Rule number three- explain. Set up a face-to-face meeting with the landlord and talk about your circumstances. They may be willing to take certain factors into consideration when making the decision on whether to extend you a lease or not. Matters of high medical bills, divorce, or student loan debt may be deemed lesser offenses from the perspective of a landlord.

If a face-to-face meeting is not possible, try writing a cover letter explaining your credit history. You don?t need to go into too much detail, but let the landlord know how the issues came up, and what you have done to correct them.

There are numerous other techniques a renter can use to persuade a landlord to rent to them.

Try putting down a larger security deposit. While it may be extremely difficult for some people to find extra money to put down towards a deposit, this method may convince a landlord to lease to you. Putting down more money when you sign the lease signals that you are less of a risk.

In addition to the usual letters of reference from your employer, another strategy is to get a letter from your previous landlord indicating that you paid rent on time and were a good tenant. The letter should clearly indicate the name of your previous landlord, along with a contact number in case the current landlord wants to follow up with more questions. You could even go so far as to provide proof of your timely payments by printing out rent-payment stubs or copies of canceled checks for the past two years and submit these with your application.

Although it might take you longer to find a home to rent if you have bad credit, you have a lot of control over the situation as long as you can show why you aren?t as risky a proposition as your credit suggests.

If you have bad credit, you want to demonstrate your credibility to a landlord by providing any evidence that enhances your image as a reliable tenant. Bad credit is deemed a high risk and you have to give them some incentive to do business with you. They don't know you and you are a risk until you can prove otherwise.

Source: http://scarsdale.patch.com/articles/renting-with-bad-credit

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Curious why Mars rover has such a dinky camera and computer?

10 hrs.

John Roach

NASA scientists deserve every high-five and hug received for surviving ?seven minutes of terror? and?safely landing the 1-ton Curiosity rover on Mars, but what?s up with the spacecraft?s dinky 2 megapixel camera and equally dinky PowerPC 750 computer chip?

The spacecraft also has just 4.5 gigabytes of data storage, Information Management points out in a profile of Ann Devereaux, deputy lead for the entry, descent and landing stage of Curiosity?s mission at NASA?s Jet Propulsion Laboratory in Pasadena, Calif.

?When people saw the data volumes we process and the memory space they?d inevitably ask, ?You?re taking this to Mars?? Deveraux told the newsletter. ?Why isn?t this the latest gear? My memory stick has more memory than your whole computer.?

The short answer, NASA scientists and space observers point out, is the team started working on the mission in 2004. At the time, these components were state-of-the-art technology already approved for the rigors of space travel including radiation bombardment and temperature extremes.

The problem is that the pace of technology moves so fast that what was relatively high-tech less than a decade ago looks comparatively lame today. Sure, any images whatsoever from the surface of Mars are super cool. But where?s the real-time streaming video?

In addition to the long-lead time for design and testing of components to fly on a mission to Mars (remember, there?s no Best Buy there to put that extended warranty to use should something break), transmitting the data from Mars to Earth is a tricky proposition. ExtremeTech notes:?

The rover sends data to two satellites that orbit Mars, which then relay it back to Earth. This stream of data is quite limited, to something like 256 megabits (32MB) a day. And images aren?t the only thing that Curiosity is sending back ? there are all sorts of other recordings and measurements that needs to be transmitted.

So, give NASA and Curiosity a break and relish in the images that do find their way back to Earth, which are indeed quite stunning. ?

Let?s just hope The Onion is joking with a report that Curiosity?s memory card is full and the?mission is over.

?I guess we probably should have deleted those old Hubble photos off there before the mission," the tongue-in-cheek fake?news site quoted chief scientist John Grotzinger as saying.

??via Information Management, ExtremeTech, The Onion

John Roach is a contributing writer for NBC News Digital. To learn more about him, check out his website. For more of our Future of Technology series, watch the featured video below.

Source: http://www.futureoftech.msnbc.msn.com/technology/futureoftech/curious-why-mars-rover-has-such-dinky-camera-computer-934969

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Gay & Lesbian Medical Association Conference

Each week the CSPH highlights an upcoming workshop, conference, and other continuing education opportunity pertaining to sexuality, gender, or reproductive justice issues. This week we are featuring the 30^th Annual Gay & Lesbian Medical Association Conference in San Francisco, CA.

Who: The Gay and Lesbian Medical Association (GLMA)

What: The 30^th annual conference.

Where:

Westin San Francisco Market Street
50 Third Street
San Francisco, CA 94103
(415) 974-6400

When: September 19-23, 2012

Why: The GLMA conference is the world?s largest scientific meeting that focuses on LGBT health. The GLMA conference aims to educate health care providers and students about the unique needs of LGBT patients and providers. Topics that will be addressed include behavioral health, transgender health, LGBT racial and ethnic minorities, families and relationships, legal issues, and health professions education. Conference registration includes 19 hours of educational programing credits. For more information on registration and programming, please visitthe GLMA conference?s website. ?

Source: http://thecsph.org/gay-lesbian-medical-association-conference

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Be Intelligent In Chaussure Pas Cher Affiliate Internet Marketing ...

Affiliate marketing online can be quite a wonderful supply of income. In the event you submit Nike Pas Cher online, you can make dollars when a website visitor for your site constitutes a purchase or completes an undertaking, such as doing a set of questions, from your hyperlink on the webpage. Not all the web marketing opportunities are traditional, so it?s essential to investigation them which means you don?t end up getting ripped off.

Make your part at heart. For an affiliate online marketer, there is no need to be a challenging-purchase artist using a clever pitch. Just let folks know about just how the merchandise you recommend will manage to benefit them. Be sincere and legitimate, but don?t transform them off with a very high-powered, tough-market marketing campaign. The organization that makes the product previously has properly-explored income resources in position.

For greater traffic on your own Internet site, add a connect to your site or weblog within your community forum trademark. When you submit on forums on a regular basis and it?s in just a forum?s policies Nike to incorporate hyperlinks in your unique, go appropriate ahead of time and put in a link to your affiliate enterprise. This will work most effectively should your hyperlink is of interest to individuals who see the online community, obviously.

Be skeptical of affiliates that do not offer you genuine-time buyer tracking professional services. An affiliate that are not able to show a site owner the visitors running from their web site for the affiliate?s website is potentially an affiliate trying to cheat the site owner. Associates that be dependent exclusively on testimonials on earlier functionality are a whole lot worse ? how an online affiliate accustomed to do business has nothing at all related to the way they conduct business now!

Realize that Nike Pas Cher you do not have to get a monogamous connection along with your affiliate marketer partner. Different companions according to your passions can be quite a spot to increase your website traffic. Becoming an professional within a market does not necessarily mean good results. You ought to be in a position to provide your visitors choices instead merely a sole alternative.

Chose a special product or service to market. By trying to promote a product or service which hundreds or some other associates are already selling, you will be unlikely to acquire any orders or percentage without having to spend large sums of money on promoting. Instead, select a product or service which just one or two affiliates are releasing.

Increase your savings Nike Pas Cher before you start to pay your affiliate internet marketing revenue on frills. That expensive auto can wait around, so be sure you have sufficient money set aside just in case anything horrendous takes place,. Just like the organization you are associated with ending up shutting down, or their standing getting destroyed and having an effect on revenue.

The ideal affiliates know the best time to again out even should they have been successful by using a campaign, business or even an strategy. At times an item will quickly have an awful track record or perhaps the firm are going to degrade. You won?t would like to hang about for your fallout. There?s no disgrace inside the lower-and-operate strategy as it might just save your very own brand.

Whenever you Chaussure Pas Cher publish on the web, you need to ensure your information is applicable and trustworthy. Be honest relating to your affiliations. Revenue from this particular advertising, strengthens steadily as time passes, so perseverance is vital. Well before investing your time and efforts, try to look for individuals that have tried the same software. Any information and facts which you get, might be useful in making certain the internet affiliate marketing program is legit.

Authorized Nike Shop sells all kinds of very affordable Air Max Shoes today with Efficient Shipping, Safe and sound Checkout & Superb Customer Care.

Source: http://all-articles-directory.com/be-intelligent-in-chaussure-pas-cher-affiliate-internet-marketing-with-one-of-these-recommendations/

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Natural birth -- but not C-section -- triggers brain-boosting proteins

ScienceDaily (Aug. 8, 2012) ? Vaginal birth triggers the expression of a protein in the brains of newborns that improves brain development and function in adulthood, according to a new study by Yale School of Medicine researchers, who also found that this protein expression is impaired in the brains of offspring delivered by caesarean section (C-sections).

These findings are published in the August issue of PLoS ONE by a team of researchers led by Tamas Horvath, the Jean and David W. Wallace Professor of Biomedical Research and chair of the Department of Comparative Medicine at Yale School of Medicine.

The team studied the effect of natural and surgical deliveries on mitochondrial uncoupling protein 2 (UCP2) in mice. UCP2 is important for the proper development of hippocampal neurons and circuits. This area of the brain is responsible for short- and long-term memory. UCP2 is involved in cellular metabolism of fat, which is a key component of breast milk, suggesting that induction of UCP2 by natural birth may aid the transition to breast feeding.

The researchers found that natural birth triggered UCP2 expression in the neurons located in the hippocampal region of the brain. This was diminished in the brains of mice born via C-section. Knocking out the UCP2 gene or chemically inhibiting UCP2 function interfered with the differentiation of hippocampal neurons and circuits, and impaired adult behaviors related to hippocampal functions.

"These results reveal a potentially critical role of UCP2 in the proper development of brain circuits and related behaviors," said Horvath. "The increasing prevalence of C-sections driven by convenience rather than medical necessity may have a previously unsuspected lasting effect on brain development and function in humans as well."

Other authors on the study included Julia Simon-Areces, Marcelo O. Dietrich, Gretchen Hermes, Luis Miguel Garcia-Segura, and Maria-Angeles Arevalo.The study was funded by the National Institutes of Health.

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Story Source:

The above story is reprinted from materials provided by Yale University. The original article was written by Karen N. Peart.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Julia Simon-Areces, Marcelo O. Dietrich, Gretchen Hermes, Luis Miguel Garcia-Segura, Maria-Angeles Arevalo, Tamas L. Horvath. Ucp2 Induced by Natural Birth Regulates Neuronal Differentiation of the Hippocampus and Related Adult Behavior. PLoS ONE, 2012; 7 (8): e42911 DOI: 10.1371/journal.pone.0042911

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/living_well/~3/p4AdtABgK3Y/120809090652.htm

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Getting The Best Hawaii Tour | Travel and Leisure Information

Hawaii is definitely one of the most visited tourist destinations all over the world. This island has caught the heart of every traveler with its stunning natural wonders. Hawaii is home to stunning white sand beaches and active volcanoes. The combination of these two makes Hawaii a unique and perfect place for every traveler.

If you are planning to travel to Hawaii, then read on and find out more.

Great Hawaii Tour Packages That Suit Every Budget

No matter what type of Hawaii tour package you are looking for, the island is always a great place to have fun and enjoy with your friends or family. You can find tour packages that suit your budget. The good news is, these packages are inclusive of hotel accommodation and island tours. You will surely have a great time because you will experience Hawaii in a different way. If you wish to have an experience of a lifetime, Hawaii will never disappoint you.

What to See and What to Expect

1. Pearl Harbour ? One of the places where you can go when you travel to Hawaii is the famous Pearl Harbour. With its magnificent history, every tourist is interested to go to this tourist destination.

2. Volcano Tours ? This is definitely one of the most exciting things to do during your trip. Hawaii is home to active volcanoes. During your vacation, you can visit the famous Volcanoes National Park. It is where you can find mount Mauna Loa and mount Kilauea, the two of the most active volcanoes all across the world. This is certainly a once-in-a-lifetime experience because you?ll get to see bubbling hot lava. Also, you can bring your camera with you to take photos.

3. White Sand Beaches ? Of course, your trip won?t be complete if you won?t be able to spend relaxing moments at the beach. Couples and honeymooners choose to stay in Hawaii to have a romantic experience.

You can spend great moments with your family or friends as you witness stunning sunset at the beach. You can also do fun water activities such as scuba diving, surfing, and a lot more. You can also see a glimpse of dolphins in the island.

4. Polynesian Luau Centre Experience and see how rich Hawaiian culture is by going to Polynesian Luau Centre. This is a fun way of meeting the natives and learning about the village life in the island.

Finding a Great Hawaii Tour Package

If you are looking for travel packages to Hawaii, then there are various options you can have. You can go to a nearest travel agency in your area to see if they can offer a suitable travel package to you. Also, you can ask a friend or colleague for a possible recommendation. Ask them if they know a particular travel package to Hawaii.

Modern technology has paved way for an easier and faster way of finding answers to almost everything you need. With this, finding a great Hawaii tour package can be done online. This way, you can easily find a reliable website where you can book for a Hawaii tour.

Source: http://www.phillyville.org/getting-the-best-hawaii-tour.html

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Saving Doe Mountain - Scrapbook

Late this spring, the Sierra Club's Watauga Group?celebrated a big victory when 8,600 acres of Doe Mountain, in the state's northeastern corner, was officially saved from clear-cutting and exclusive private development.

"This is a huge win, and it protects a significant portion of our Watauga Watershed," says Gloria Griffith, right, chair of the Watauga Group.

Among the top priorities of the Watauga Group (the Tennessee Sierra Club's newest group) has been protecting water quality in Doe Creek, a spring-fed creek that runs around Doe Mountain.?Doe Creek supports an exceptional wild rainbow trout population and some of the largest fish sampled in Tennessee streams in recent years.

The creek flows then into Watauga Lake, a Tennesee Valley Authority?reservoir that sits 1,959 feet above sea level and is known for its exceptionally clean water. TVA?describes?the lake as being located "...in some of the most beautiful country in the Tennessee River watershed."

Thanks to the heads-up work of Watauga Group activists, notably Gabby Lynch and Dennis Shekinah, Doe Mountain will remain forested and open to the public. That's?Shekinah at left, below;?Lynch at right.

Let's let Dennis tell the story (which appeared in the June/July issue of the Tennessee Chapter's newsletter, the Tenne-Sierran):

Doe Mountain encompasses 8,600 acres of wilderness known best by hunters on foot and Tennessee Wildlife Research Agency officers in 4-wheel-drive vehicles. It is home to black bear, white tail, fox, coyote, turkey, king squirrel, bobcat and, some say, cougar.

Left alone for generations, this slice of heaven is about to change. Soon, all-terrain vehicles (ATVs), horses, mountain bikes, and hikers from all corners will be drawn to Doe, altering its timeless and peaceful character forever. Let me explain why this is a good thing...

My log cabin (below), built in the 1920s, sits in the shade of Doe Mountain in Neva Valley. In fields where the Cherokee once lived, I have hosted countless bluegrass gatherings, raised children, and planted seeds in the fertile soil. In all the years I explored the Doe's trails, I can only recall coming across two other people. They were both hunters and as nice as they could be. Doe Mountain was a well-kept secret, hidden smack dab in the middle of Johnson County, Tennessee.

Then one morning the sound of chain saws broke the peaceful melody of the East Fork Fall Brach. The dogs kept up as I literally ran into the sanctuary. I found a group of men clearing the jeep trail and setting a metal gate across its path. They seemed nice, but busy. I left them to their job and returned to my cabin and started working the phone. A developer had purchased Doe Mountain to build a gated community. Gates on all access points were a statement to his strict 'no trespassing' policy. No more hunting. No more quiet walks with my camera on Doe.

It turned out the deed for the mountain changed hands several times when the state didn't opt to renew the Wilderness Management Area lease from the original owners. A logging company owned it for less than a month before the developer laid enough easy money on the table to get them to sell. A gated community can yield millions of dollars in profit; indeed, he had done it many times before.

After resigning myself to the inevitable march of progress, I said a prayer for the black bear and all the critters who would eventually be displaced by manicured lawns and electrified fences. Then two things changed everything: the housing bubble burst and the developer died from a massive coronary. The Doe Mountain gated community project, named "Daniel's Trace," went into bankruptcy. No one seemed to know who owned the mountain or what its fate would be.

Months passed without any news, save rumor and speculation. Then one morning the phone rang and Larry Potter (below), our county mayor, asked, "Dennis, do you know anyone with eight million dollars?" Larry owns a small eatery in Doe Valley, and he had overheard a logger proclaim that he was going to clear-cut Doe Mountain. Yes, like a shark sensing blood in the water, the logging company was putting a bid on the deed and had already done an assessment of the lumber's worth.

Larry was desperate. Not only is he a fly-fisherman (and thus a clean-water advocate by default), he is passionate about Johnson County's economic development. An 8,600-acre scar in the middle of our county wasn't going to bring in the tourists.

Our closest neighbor to the north, Damascus, Virginia, had already saved itself from potential ruin by developing a bicycle-friendly trail system. Johnson County could do it one better, Larry thought. We have Watauga Lake, the Appalachian Trail, and a network of great B&Bs and small family-owned restaurants. We just needed a hook to pull in outdoor enthusiasts. That was Doe Mountain, Larry rightfully reasoned.

But the sharks were circling. "I'll make some calls," I told Larry. I immediately got ahold of my friend Gabby Lynch (below), a Watauga Group activist who works for The Nature Conservancy (TNC).

[Click on image below to watch a video of Lynch talking about the campaign to save Doe Mountain.]

True to form, Gabby was already on the Doe Mountain situation. In short order, an environmental assessment was done and she applied for a loan from TNC international headquarters. Larry worked his network of state representatives (most notably Lieutenant Governor Ron Ramsey). Gabby asked that we send letters of thanks and encouragement for Ramsey's efforts to secure funding for saving Doe Mountain. Still, months passed without any news?

At our monthly Watauga Group meetings, Gabby would place her finger over her lips and shake her head: "Don't say a word." We had no reason to feel overly hopeful in this age of budgetary austerity. The Nature Conservancy had many worthy projects that needed funding, and newly-elected Governor Bill Haslam was slashing budgets. Somehow, Larry got the governor in an ATV and took him, along with the lieutenant governor, along the trails of the Doe.

Soon thereafter, Gabby announced that The Nature Conservancy had approved the loan to save Doe Mountain, and the great state of Tennessee arranged to immediately buy Doe from TNC. A "multi-use" provision would be attached as a condition, assuring that the mountain would be developed to offer all citizens a chance to know a little of the peace that comes from nature even if they were looking out from the top of a horse, a wheelchair, a bicycle or a caravan of ATVs.

We may never know all the players who made this deal possible, but as I look out my window at beautiful Doe Mountain, I give thanks?a heartfelt prayer of thanks raised up join those of all the wildlife and trees that depend on good people doing the right thing.

Source: http://sierraclub.typepad.com/scrapbook/2012/08/saving-doe-mountain.html

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How to Start a Mobile Computer-Repair Business | GoPayment Blog

Few things cause more professional panic than a crashed hard drive or a system-disabling virus, which means savvy computer repair technicians have ample opportunity to create thriving mobile businesses.

The GoPayment Blog recently talked with engineer Matt Karls of Karls Technology?Computer Repair (which operates under other DBAs as well) in Arizona to get his tips for starting a mobile computer-repair business. Here?s what he told us.

1. Decide who you?ll serve. Computer techs often specialize in certain services or decide to work exclusively on either residential or commercial accounts. For instance, Karls says that he focuses on virus removal, data recovery from dead or damaged hard drives, and server management for businesses.

2. Get the right tools. According to Karls, very little hardware or software is required to run a mobile computer-repair business. You will need ?a computer with some data-recovery software, a good ICSA certified anti-virus program, and a SATA-to-USB adapter.? Although a wireless WAN or air card is helpful, Karls says he has successfully operated without one in the past. Beyond that, he adds, you only need a vehicle and a phone to open your business.

3. Be prepared to work hard. When asked how many hours a week he works, Karls said that he?s been working 18 to 20 hours a day, six days a week. That?s a lot of hours (and not something we?d recommend), but according to him, he could get back to his ?normal? hours of 12 to 14 hours six days a week if he refused more work or hired another computer systems engineer, something he?s currently looking for. The point is that, in this type of business, it?s important to be available to your customers. Karls says that working Saturdays is crucial because while most businesses are open Monday through Friday, residential customers are typically only available after 5 p.m. or on weekends.

4. Get some training. You don?t need a specific license (other than the standard business license) or certification to operate a mobile computer-repair business, but Karls recommends a minimum of a CompTIA A+ and Microsoft Certified Solutions Expert certification. This will give you some added credibility with clients and ensure that you have the skills to do the job, he notes.

5. Advertise smartly. Karls says that he?s found it difficult to market his mobile computer-repair service. In fact, he?s tried all types of advertising except television, and the only thing that has worked in his 13 years of business is word of mouth.

6. Understand your potential. Karls makes an average of $200 per invoice, but his jobs can range from $40 to $1,000. The takeaway, he says, is that ?you can earn a lot of money in computer repair if you work hard and long hours.? After a few years of this, he says, you should have enough referrals and clients that it would be ?impossible to go out of business.?

7. Enlist help. Karls advises hiring a personal assistant to answer the phones and get back to people right away, while you?re in the field. That move alone has resulted in about 50 percent more work for him, he says, because clients want to be able to talk to someone and feel that they?re important.

Suzanne has been a full-time freelance writer for 20 years. She?s written for numerous business and financial publications, such as Entrepreneur, Reason, and Home Business Magazine. She blogs regularly for Money Crashers and Feefighers, and ghost blogs for a few well known CEOs. Her goal is to eventually work from a remote island equipped with Wi-Fi.

Source: http://blog.gopayment.com/money-trends/how-to-start-a-mobile-computer-repair-business/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-start-a-mobile-computer-repair-business

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