Rao bulletin 15 June 2016 html edition this bulletin contains the following articles
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- Your credit score was under 700.
- You ignored requests for additional financial information and documents.
- Your application was illegible.
- You have a spotty employment history.
- Your debt-to-income ratio doesn’t support the rent payment.
- You have collections on your credit report
- Intelligence Briefings ► Presidential Pre-election Briefing
- Brain Teaser ► Movies Stars
- Have You Heard ► Puns for Educated Minds FF or EF
- Brain Teaser Answer ► Movie Stars
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Renters ► 10 Reasons for Non-Acceptance Do you think you’re the perfect renter and you should be able to just pay the money and be accepted into any building or rental house you want? Not so fast! Landlords and leasing agents look for a lot more than just money. Brooklyn native Crystal Green, a licensed real estate sales person and leasing agent for The Level Group in New York City, identified the biggest lease application mistakes she sees. Here are 10 things on (or not on) your rental application that make them say, “No way” to leasing to you: 
1. Your credit score was under 700. Your credit score doesn’t lie because it takes into account your credit account payment history, your amounts owed, how many credit accounts you have and more. “If your credit score is under 700,” explains Green, “it may mean that you have some credit problems, which tells me that an applicant is more likely to go into default on the rent down the line and is a greater risk from a landlord prospective.” If you don’t know you’re credit score, check it. One free service is at https://secure.creditsesame.com/s/signup1#ad=ctatop . Remember, bad credit is fixable. Refer to https://www.creditsesame.com/blog/how-do-i-fix-my-bad-credit for some guidance 2. You ignored requests for additional financial information and documents. “Many people decide it’s not necessary to provide all of the supporting documents I request,” explains Green. “If a prospective tenant is drip-feeding the paperwork to me, I may move on to other qualified candidates who have all their documentation submitted.” 3. Your application was illegible. If I cannot read what you wrote or make out the phone numbers, addresses and names on the application, I cannot verify the information and will move on to applications I can read. Neatness counts when it comes to rental applications. 4. You lied. In this day and age of background checks, eviction checks, credit checks and job, income and prior landlord verification, there’s no point in trying to hide things on your application. A soon as I see any major differences between what you wrote on the application and what turns up on the background check and the credit check, I will move on to other candidates. 5. You left blank spaces. All the spaces on the application are meant to be filled out. If you must leave a blank (because you don’t have two rental references, for example) point out why when you hand in your app. If you leave blanks for your debt payments, prior addresses, reference phone numbers or consent signatures, I can’t verify the information on your application and that shows me that maybe you weren’t all that serious. If that happens, I will move down the list looking for a completely filled in application with no information gaps before calling you to get all the missing information. 6. You have a spotty employment history. If you have trouble holding a job or large gaps between jobs, I might think you’ll have trouble paying the rent and move on to other applicants with solid job histories. 7. You have an eviction, nonpayment of rent or unverifiable rental history. “If the credit report reflects unpaid rent on a prior residence there’s no way we will rent to that applicant,” says Green. “Landlords see that as a higher possibility that an applicant may not pay the rent and default on the lease entirely.” 8. Your debt-to-income ratio doesn’t support the rent payment. I always run a debt-to-income (DTI) ratio to see if you really can afford the rent. I will determine your income from the pay stubs or tax returns you provided and then add up all your current monthly debt payments I find on your credit report. If the ratio is higher than 36, then just like a mortgage lender I will deny your application on the grounds that your income really can’t support the rent payments. (Not all landlords have a maximum DTI.) 9. You don’t use a bank. Do you rely on prepaid debit cards and money orders to manage your payments and finances? I like to see that a tenant knows how to use a bank as a signal that they know how to manage money. If not, I could end up driving around to collect the rent instead of using a simple online payment service for guaranteed payment on the first of every month. You’d be surprised how many rental applications I deny because they leave the bank information blank and say, “Don’t have one.” 10. You have collections on your credit report. Green says your credit report shows if you paid late often on an assortment of regular monthly bills such as phones or utilities or if any bills are currently in collection. If so, it’s a signal there may be a higher likelihood of a rent default somewhere down the line. But there are also ways to remove collections from your credit report. “There is a little bit of grey area where medical bills and student loans are concerned, says Green, “because I often see millennials carrying a heavy student loan debt.” I agree, but if I see the student loans are in default (meaning they are not in deferment or not being currently paid) or medical bills are in collections, I may decide you have too many other financial obligations in arrears to pay the rent on time or that you don’t take your financial obligations seriously. Just know that federal law – the Fair Housing Act and the Equal Credit Opportunity Act – prohibits landlords from denying any rental application because of race, color, religion, sex, handicap, familial status, public assistance income, age or national origin. If your application is denied because of information we found in a credit check or background check, you are entitled to a free copy of that report. One way to avoid many rental application headaches is to pass the credit check with flying colors. [Source: MoneyTalksNews | Naomi Mannino | May 2, 2016 ++] ******************************** Intelligence Briefings ► Presidential Pre-election Briefing After the political convention confetti is swept away, a more sobering tradition of the presidential election begins: The regular, top-secret intelligence briefings for Donald Trump and Hillary Clinton, the likely Democratic nominee. Started by President Harry S. Truman, the briefings are designed to get the candidates, before they walk into the Oval Office, up to speed on problems around the globe. Truman, who was Franklin D. Roosevelt's vice president for almost three months before Roosevelt died, first learned about the Manhattan Project to develop an atomic bomb only 12 days into his presidency, and he pledged not to leave any future commander in chief behind the ball. There's an old political saw about how a White House candidate believes firmly in his or her foreign policy views — until that first top-secret briefing. In his recent book, former CIA Director Michael Hayden says these revelations are known as "aw s---" moments — as in, "Aw s---, wish we hadn't said that during that campaign stop in Buffalo." If Clinton is the Democratic nominee, much of the intelligence information she receives probably will sound familiar. As secretary of state until 2013, Clinton was one of President Barack Obama's senior advisers who were privy to the President's Daily Brief — the highest level intelligence document prepared in the United States. The intelligence briefings could be eye-opening for New York businessman Donald Trump. The Republican's loose-lipped campaign remarks have left some intelligence and foreign policy officials worried about whether he can keep the nation's secrets. Trump has said in interviews that he's looking forward to the briefings. Director of National Intelligence James Clapper, whose office arranges the briefings, was asked recently what he would want to say to Trump to help educate the political newcomer about foreign policy and perhaps even counter some of his ideas, such as temporarily banning Muslims from entering the United States. Clapper bristled and said the question falsely implied that the U.S. intelligence agencies would have a separate message for each candidate. "There's a long-standing practice of briefing each of the candidates once they are officially designated. And that sort of shifts into higher gear, in terms of detail, after the president-elect is known," Clapper said. "It's not designed to shape anybody's world view. We just brief as we normally would — each of them — and they (the briefings) have to be exactly the same." But Rep. Adam Schiff, the top Democrat on the House Intelligence Committee, said he believes many people share his deep concern about Trump's inexperience with handling classified information. "I would have to imagine that those concerns are fairly broadly held, so I wouldn't be at all surprised if the intelligence briefings received by both candidates — which will be identical — will be at a more generalized level than they might otherwise be," said Schiff, D-Calif. Clinton had her own issues with secret information while secretary of state. The FBI is investigating whether her use of a private server in her home to send and receive work-related emails — including 22 that have since been classified — broke any laws. Intelligence officials have started planning the briefings, which probably will begin right after the Democratic and Republican conventions in late July. After the 8 NOV election, more detailed briefings for the president-elect will include information about U.S. covert operations. The sitting president has the final decision on how much information is disclosed to the president-elect; typically that includes access to the entire President's Daily Brief. The ritual began in 1952, when Truman offered intelligence briefings to Republican nominee Dwight D. Eisenhower and Democrat Adlai Stevenson. CIA briefers were in a quandary after the 2000 election, when the country didn't know for some time whether Republican George W. Bush or Democrat Al Gore had won. Bush had received a four-hour CIA briefing in September before the election at his ranch in Crawford, Texas, but he had never seen the President's Daily Brief, which Gore saw daily as vice president. As their lengthy ballot recount dragged into December, President Bill Clinton authorized intelligence officials to share the so-called PDB with Bush, too. "The CIA was basically on the edges of their seats waiting for permission to start briefing Bush," said David Priess, author of "The President's Book of Secrets," a history of the President's Daily Brief. The first one on Dec. 5 almost didn't happen because water poured through the ceiling of the CIA's outpost in Austin, Texas, threatening efforts to reproduce the so-called PDB on sensitive communications equipment. Priess said Bush started receiving the PDB later than any other president in recent history, and he is the only person in the modern era to get PDB briefings before he technically was president-elect. The pre-election briefings for Eisenhower's successor, John F. Kennedy, raised the issue of when presidential candidates should find out about pending U.S. covert operations — in this case what became the failed U.S.-sponsored Bay of Pigs invasion meant to topple Cuban leader Fidel Castro. Ten days after becoming president-elect, Kennedy was given the details at his family's home in Palm Beach, Florida. Likewise, Trump or Clinton, as early as the day after the election, could learn more about operations against the Islamic State group, for instance, than they know now. Eisenhower, the first to receive the briefings, was commander of allied forces in Europe during World War II, so he was in on his share of secrets before winning the presidency. He received four briefings, including one on a train bound for Grand Central Station in New York, according to a book by former CIA inspector general John Helgerson, who extensively researched the briefings. Another briefing was conducted in Denver where Eisenhower stopped in at a rodeo and toured the grounds in a stagecoach with the CIA briefer riding "shotgun, up top with the driver," Helgerson wrote. [Source: Associated Press | Deb Riechmann | May 31, 2016 ++] ******************************** ► Movies Stars The following questions are about movies made between 1950 and 1998. See how good your memory is. Those of you that are over 60 will probably do best. No cheating and don’t Google your question. That’s cheating! 1. Who played the starring male roll in the 1952 movie “Ivanhoe?” a. Clark Gable b. Errol Flynn c. Robert Taylor d. Burt Lancaster 2. Who played Gary Cooper’s wife in “High Noon?” a. Barbara Stanwyck b. Lana Turner c. Grace Kelly d. Olivia de Havilland 3. Who played the main male part in “Ben–Hur?” a. Charlton Heston b. Kirk Douglas c. John Wayne d. Dean Martin 4. Who played the nut case in “Psycho?” a. James Dean b. River Phoenix c. Jeff Bridges d. Anthony Perkins 5. Who played Dustin Hoffman’s girlfriend in “The Graduate?” a. Katherine Ross b. Elizabeth Taylor c. Mia Farrow d. Faye Dunaway. 6. Who played Lawrence in “Lawrence of Arabia” a. Tyrone Power b. Peter O’Toole c. Jimmy Stewart d. Charles Bronson 7. Who played the female lead in “The Birds?” a. Marilyn Monroe b. Marsha Mason c. Natalie Wood d. Tippi Hedren 8. Who played the chief of police in “Jaws?” a. Ernest Borgnine b. Roy Scheider c. George Hamilton d. Eli Wallach 9. Who played Sonny in “The Godfather?” a. Sylvester Stallone b. Robert DeNiro c. James Caan d. Marlon Brando 10. Who played Rocky’s wife in “Rocky?” a. Talia Shire b. Hillary Duff c. Diane Keaton d. Mimi Rogers 11. Who played the young blonde-haired kid in “E.T. The Extra Terrestial?” a. Shirley Temple b Drew Barrymore c. Tracy Gold d. Mary-Kate Olsen 12. Who played Jake La Motta’s wife in “Raging Bull?” a. Cathy Moriarty b. Winona Ryder c. Lana Turner d. Sharon Stone 13. Who played the lead male part in “Die Hard?” a. Robert DeNiro b. Sylvester Stallone c. Johnny Depp d. Bruce Willis 14. Who was Tom Cruise’s girlfriend in “Top Gun?” a. Meg Ryan b. Melonie Griffith c. Kelly McGillis d. Katheen Turner 15. Who played the black man in “The Shawshank Redemption?” a. Denzel Washington b. Danny Glover c. Samuel Jackson d. Morgan Freeman 16. Who played the US Lieutenant in “Saving Private Ryan?” a. Jack Nicholson b. Tom Hanks c. Charlie Sheen d. Mark Walberg 17. Who played Leonardo DiCaprio’s girlfriend in “Titanic?” a. Julia Roberts b. Marisa Tomei c. Kate Winslet d. Debra Winger 18. Who played Schindler in “Schindler’s List?” a. Liam Neeson b. Michael Douglas c. Steve McQueen d. James Woods ******************************** Have You Heard? ► Puns for Educated Minds & FF or EF 1. The fattest knight at King Arthur's round table was Sir Cumference. He acquired his size from too much pi. 2. I thought I saw an eye-doctor on an Alaskan island, but it turned out to be an optical Aleutian. 3. She was only a whisky-maker, but he loved her still. 4. A rubber-band pistol was confiscated from an algebra class, because it was a weapon of math disruption. 5. No matter how much you push the envelope, it'll still be stationery. 6. A dog gave birth to puppies near the road and was cited for littering. 7. A grenade thrown into a kitchen in France would result in Linoleum Blownapart. 8. Two silk worms had a race. They ended up in a tie. 9. A hole has been found in the nudist-camp wall. The police are looking into it. 10. Time flies like an arrow. Fruit flies like a banana. 11. Atheism is a non-prophet organization. 12. Two hats were hanging on a hat rack in the hallway. One hat said to the other: 'You stay here; I'll go on a head.' 13. I wondered why the baseball kept getting bigger. Then it hit me. 14. A sign on the lawn at a drug rehab center said: 'Keep off the Grass.' 15. The midget fortune-teller who escaped from prison was a small medium at large. 16. The soldier who survived mustard gas and pepper spray is now a seasoned veteran.. 17. A backward poet writes inverse. 18. In a democracy it's your vote that counts. In feudalism it's your count that votes. 19. When cannibals ate a missionary, they got a taste of religion. 20. If you jumped off the bridge in Paris, you'd be in Seine. 21. A vulture carrying two dead raccoons boards an airplane. The stewardess looks at him and says, I'm sorry, sir, only one carrion allowed per passenger.' 22. Two fish swim into a concrete wall. One turns to the other and says, 'Dam!' 23. Two Eskimos sitting in a kayak were chilly, so they lit a fire in the craft. Unsurprisingly it sank, proving once again that you can't have your kayak and heat it too.
24. Two hydrogen atoms meet. One says, 'I've lost my electron.' The other says, 'Are you sure?' The first replies, 'Yes, I'm positive.' 25. Did you hear about the Buddhist who refused Novocain during a root-canal? His goal: transcend dental medication. 26. There was the person who sent ten puns to friends, with the hope that at least one of the puns would make them laugh. No pun in ten did. -o-o-O-o-o- After a seven-month deployment to the Western Pacific the aircraft carrier U.S.S. Abraham Lincoln was finally inching up to the pier at San Diego’s North Island Navy base. Looking down from the bridge the ship’s Captain noticed a sailor on the flight deck waving intently with semaphore flags. He also spotted an attractive young woman standing on top of a mini-van in the parking lot who was waving semaphore flags. Always concerned about security and never having seen something like this before, the Captain barked at his duty signalman, "What message are those two people sending?" The signalman concentrated intently and quickly reported, "Sir, he is sending FOXTROT-FOXTROT (FF) and she is sending ECHO-FOXTROT (EF)." Not having any clue as to what these messages could mean, the Captain dispatched an armed Marine to escort the flag waving sailor up to the bridge. The young sailor arrived, out of breath from climbing up the many ladders leading to the bridge, saluted smartly, and said, "Seaman Endicott reporting as ordered, sir!" "Seaman", the said Captain gruffly, "who is that woman on the pier and why are you exchanging signals FF and EF with her?" "Sir, that's my wife, sir, and she wants to eat first!" ******************************** ► Movie Stars 1.c 2.c 3.c 4.d 5.a     
6.b 7.d 8.b 9.c 10.a     
11.b 12.d 13.d 14.c 15.d     
16.b 17.c 18.a   
ANSWERS: 1c. 2c. 3a 4d. 5a. 6b. 7d. 8b. 9c. 10a. 11b. 12d. 13d.14c. 15d. 16b. 17c. 18.a ********************************   
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