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Sunday, September 30, 2012
Video: Garrett Warren: 'It seemed like a nightmare'
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Wells Fargo Bank Talks About What Bankers are Looking For | High ...
Wells Fargo has passed the billion dollar mark nationwide for SBA lending. Doug Hargraves,?Wells Fargo Regional Manager for Riverside and San Bernardino County says they do see a lot of SBA lending, through two programs, the 7a and 504. 7a is a flagship program and up to 80% of their lending volume comes from that program. ?Wells Fargo is number one nationally for that program.?
According to Hargraves, banks are looking for business owners who show high character, have a good reputation, are known in their industry and are able to weather good times and bad. ?It continues to be a challenge to lend to people with difficult credit,? he said. ?If people have experienced difficulties, it is even more important than usual to have a relationship with the bank so they understand what has transpired.?
Traditionally banks don?t lend to those with a bankruptcy on their record, but will look on a medical bankruptcy more favorably. Hargraves explained, ?A medical bankruptcy doesn?t generally indicate a person?s character. Bankers are really trying to evaluate not just the ability, but the willingness of a person to be responsible for the loan. You don?t want to lend to someone with a poor ability to pay their debts.?
- Credit: You need to be credit worthy, with good business and personal credit. It?s a person?s character we are looking at, and that?s how we judge. If you haven?t already pulled credit reports, do it. Be prepared to explain derogatory credit points.
- Cash flow: Banks want to see how profitable the business was in its most recent fiscal year, and two of last three years.
- Collateral: Banks like collateral. With something tangible to liquidate, the bank has something to fall back on in an effort to repay all or a portion of the amount lent. Real estate and equipment are easy to lend against. Companies without hard assets are more difficult to lend to. For instance a software company?s inventory is code, so it is not something that can be liquidated easily.
LENDING ADVICE from a Banker
- The three key professionals you need for your business are a CPA, an attorney, and a banker.
- Don?t be afraid to approach your local bank. The mistake a lot of business owners make is to wait until they are about to start their business, to establish their relationship with a bank. It is much easier if you have an established relationship with the bank.
- Before you walk in for credit, reach out to a business banker in your community. In terms of selecting a bank, whether it is a small local or regional player or a large bank that has a strong presence in the community, and has a small business focus. You want to make sure the people you are meeting with from the bank are empowered and can make decisions in your local community. Some big banks will send out a package to Texas, for instance, to be decisioned.
- At Wells Fargo, we take pride in being a bunch of small community banks inside of a large bank. Within the $2 ? $20 million customer segment, all decisions are made locally to extend pricing, manage it locally so it?s not about a transaction, it?s about a relationship. It doesn?t start with the loan. It starts well before and extends well after.
?
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Places in the F.A.Y.Z.
It was just a regular day when suddenly everyone over 15 poofed... [Literate RP'ers only/Accepting]
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This topic is an Out Of Character part of the roleplay, ?F.A.Y.Z.?. Anything posted here will also show up there.Topic Tags:
Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.Peridido Beach:
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Clifftop Resort
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This is the main places that i have so far
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Honey bees fight back against Varroa
Friday, September 28, 2012
The parasitic mite Varroa destructor is a major contributor to the recent mysterious death of honey bee (Apis mellifera) colonies. New research published in BioMed Central's open access journal Genome Biology finds that specific proteins, released by damaged larvae and in the antennae of adult honey bees, can drive hygienic behavior of the adults and promote the removal of infected larvae from the hive.
V. destructor sucks the blood (hemolymph) of larval and adult bees leaving them weakened and reducing the ability of their immune systems to fight off infections. Not that honey bees have strong immune systems in the first place since they have fewer immunity genes than solitary insects such as flies and moths. These tiny mites can also spread viral disease between hosts. This double onslaught is thought to be a significant contributor to Colony Collapse Disorder (CCD).
But all is not lost - honey bees have evolved a way to fight back: hygienic behavior where diseased or parasitized larvae are removed from their brood cells, and Varroa-sensitive hygienic behavior which they use to reduce the number of reproductive mites on remaining larvae.
To find exactly how bees respond to hive infections, researchers from Canada looked at the natural behavioral of bees in the presence of damaged larvae and compared this to protein differences in the larvae and adults. After scanning 1200 proteins the team found that several proteins, including LOC552009 (of unknown function but similar to ApoO), found in the antennae of adults were associated with both uncapping brood cells and the removal of larvae. Other proteins were involved in olfaction or in signal transduction, probably helping the adults find infected larvae amongst a brood.
In damaged larvae, transglutaminase, a protein involved in blood clotting, was upregulated, which appeared to be a key component in regulating the adult's behavior. Other proteins indicated adaptations to help fight infection, including chitin biosynthesis and immune responses.
Dr Leonard Foster from CHIBI at the University of British Columbia, who led this research said, "Bee keepers have previously focused on selecting bees with traits such as enhanced honey production, gentleness and winter survival. We have found a set of proteins which could be used to select colonies on their ability to resist Varroa mite infestation and can be used to find individuals with increased hygienic behavior. Given the increasing resistance of Varroa to available drugs this would provide a natural way of ensuring honey farming and potentially survival of the species."
###
BioMed Central: http://www.biomedcentral.com
Thanks to BioMed Central for this article.
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Source: http://www.labspaces.net/123968/Honey_bees_fight_back_against_Varroa
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Scary New Malware Uses Your Smartphone To Map Your House for Robbers [Apps]
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Saturday, September 29, 2012
Cellcom to offer iPhone 5 for $149 and up starting Friday
Small carrier Cellcom just announced pricing details for the iPhone 5, which it will offer starting this Friday, September 28th. Apple's latest smartphone will run on the carrier's 3G network, and pricing for the various models is as follows: $149 for the 16GB version, $249 for 32GB and $349 for 64GB. iPhone 5 owners on Cellcom will have to choose one of four plans, ranging from $69.95 for unlimited testing and 200 voice minutes to $109.95 for unlimited voice, text and 2,048MB of data. (Of course, there's a mandatory two-year contract as well.) Head past the break for the carrier's full press release.
Continue reading Cellcom to offer iPhone 5 for $149 and up starting Friday
Filed under: Cellphones, Mobile
Cellcom to offer iPhone 5 for $149 and up starting Friday originally appeared on Engadget on Thu, 27 Sep 2012 18:44:00 EDT. Please see our terms for use of feeds.
Permalink | | Email this | CommentsSource: http://www.engadget.com/2012/09/27/cellcom-to-offer-iphone-5-for-149-and-up-starting-friday/
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Friday, September 28, 2012
Wall Street drops on growth fears, quarter remains positive
NEW YORK (Reuters) - U.S. stocks fell on Friday as investors locked in gains at the end of a strong quarter and amid uncertainty ahead of the result of stress tests on Spanish banks.
Equities added to their losses following a weaker-than-expected read on the Institute for Supply Management-Chicago's index of Midwest business activity, which fell to 49.7 in September from 53.0 in August.
The final read on the Thomson Reuters/University of Michigan survey on consumer sentiment was also less than expected, though it advanced to its highest in four months.
"We had been seeing good data recently, but now we seem to be following the slowdown in China and Europe and we're seeing weakness," said Paul Nolte, managing director at Dearborn Partners in Chicago.
A plan for economic reform in Spain had sparked a rally Thursday, though the bank stress-test results and a review of Spain's credit rating by Moody's, both due later in the day, could compound the nation's challenges in dealing with its debt.
Investors are also worried about anti-austerity protests across Europe, which could make political maneuvering more difficult.
Trading was light following Thursday's gains and on the last day of the quarter, when money managers reposition their portfolios. The S&P has advanced 5.5 percent over the past three months.
All ten S&P sectors fell, though losses were limited in technology as U.S. shares of Research in Motion
Nike Inc
The Dow Jones industrial average was down 111.61 points, or 0.83 percent, at 13,374.36. The Standard & Poor's 500 Index was down 10.17 points, or 0.70 percent, at 1,436.98. The Nasdaq Composite Index was down 20.60 points, or 0.66 percent, at 3,116.00.
The S&P is down 1.6 percent this week so far, for a second straight week in the red, though Thursday's rally narrowed the losses from five straight days of declines. The Dow is down 1.5 percent for the week and the Nasdaq is down 2 percent.
Wall Street's gains in the quarter were largely linked to expectations for measures by central banks around the world to boost their economies.
After those expectations were met, stocks have struggled for direction and trading has been thin, as investors looked to new catalysts amid lackluster data and lowered corporate earnings outlooks. Advance Micro Devices , which cut its outlook in July, has slumped 41 percent to be the S&P's worst performer this quarter.
U.S. consumer spending rose in August by the most in six months as households stretched to pay for higher gasoline prices, according to a Commerce Department report.
There may be volatility on Friday as investors "window dress," or undergo a last-minute push to reposition portfolios ahead of the quarter's end. MetroPCS
(Editing by Bernadette Baum)
Source: http://news.yahoo.com/wall-street-opens-lower-last-day-quarter-134617078--finance.html
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AT&T's new MiFi Liberate is LTE-capable, 'world's first' with touchscreen display
We'll have to give it to AT&T for going with something a wee bit different than what we're accustomed to seeing in the world of handy MiFis -- but with touchscreens apparently being a thing nowadays, it also shouldn't surprise us that the company chose to go this route. Either way, the newly introduced MiFi Liberate will surely be of help to those who need to stay connected while on the go, offering features such as LTE connectivity (provided the network's live in the area, of course), simultaneous pairing of up to 10 WiFi devices, 11-hour battery life, a microSD slot, DLNA capabilities and, as you can see above, a 2.8-inch touchscreen display. Unfortunately, the carrier didn't say when we can expect the Liberate to be up for grabs (or for how much), with a company representative only telling us that it'll be at some point "in the coming months." While we wait for those details, however, feel free to check out the extra pic located just past the break.
Continue reading AT&T's new MiFi Liberate is LTE-capable, 'world's first' with touchscreen display
Filed under: Misc, Peripherals, Wireless
AT&T's new MiFi Liberate is LTE-capable, 'world's first' with touchscreen display originally appeared on Engadget on Thu, 27 Sep 2012 14:48:00 EDT. Please see our terms for use of feeds.
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Thursday, September 27, 2012
How About Home Improvement? | Home Designs and Real Estate
If you are like lots of people you might be getting the need to alter things a little inside your home but have no clue where to start. Remodeling and home improvements are great endeavors to think about. It?s a time whenever your imagination can go wild and also you get make use of your more creative side. Don?t be concerned if your brand-new space will earn a place within the latest home improvement magazine. We sometimes seem like we must make our home just like a museum for this to become beautiful. Not too. Just relax and make up a space it truly comfortable for your family.
Everyone sees home improvement ideas on TV shoes, in gossip columns, in hardware stores as well as on the Internet. The internet is great because you can get it easier and may really have a thorough take a look at such things as kitchen remodeling pictures, pre and post photos, bathroom remodels, room additions, plus much more. There are also a complete kitchen layout or detailed redesign plans for a number of rooms around the web. You might find some you could use like a template or as inspiration. However, if you want firm design plans it is advisable to consult an expert contractor or designer to make certain you receive what you believe you are receiving.
The simplest place to start with may be the budget. This dictates a lot of things. Simultaneously, you should know which rooms require the most love and a focus. Some might just require a simple change that may be accomplished having a coat of fresh paint and new draperies. Others may require some serious improving. Choose focal points and financial constraints. Should you became of have bought a fixer-upper or perhaps your home is older, you might want to consider home improvement financing. This could help you using the costs. You should consider how much you?re investing around the makeovers using the overall value it?ll increase the house. Take a look at how much you purchased the home for, how much it?s worth now, and how much the makeovers will increase the value. This will help in identifying your general budget.
Once money is squared away, you might want to start cost evaluating. Cost evaluating can make reference to quotes from companies in order to discovering how much granite counter tops will definitely cost in comparison to quarta movement. Additionally, it involves locating the most cost effective but quality supplier from the products you?ll need. Generally, for bigger jobs you need to allow the contractor take care of this. Your job is to look into the references from the contractor and also to get quotes from the 3. Should you choose that, you?ll have to possess a general concept of what types of things you want to see occur to your parking space and just what features or finishings you would like. Such things as hardwood or carpet will greatly influence the quote you receive.
This does not need to be a frightening experience. Just spend some time, walk carefully, and move sensibly. You?ll be so thrilled using the finish results. Everybody loves a home improvement.
Related posts:
- Employing a Home Renovation Contractor
- Effective Tips For Do-it-yourself Home Improvements
- Home Renovations ? A Step-By-Step Manual
- Home Renovations: How you can Conserve Your Penny
- Suggestions If you are Thinking about Home Renovations
Source: http://rmdesigns.org/301/how-about-home-improvement.html
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Achona : International Thespian Society claims a spot in Academy's ...
Florida State Thespians provides competitions and training for students interested in performance and debate.
Jessica Riddle, Entertainment Editor
September 25, 2012
Filed under Entertainment, Fine Arts
Bayshore Thespian Troupe 0846, a new honors society and competitive Theatrical Arts troupe, has?arrived to claim its spot among the many extracurricular activities offered at Academy.
Bayshore Thespians will meet during Blue Club set on Wednesdays to rehearse their I.E.?s, or Individual Events. The?I.E.?s include Monologue and Duet Acting, Solo and Duet Musical Theatre, Small and Large Group Musicals, ?nearly every performance opportunity imaginable, which thespians can perform at Districts.
Additionally, those thespians who are not fawning over the idea of performing in front of crowds can participate ?in behind-the-scenes jobs, such as set design, costume design and construction, playwriting, and student directing. All events mentioned are available to every member of the Thespian Troupe.
Blue Club?and out-of school rehearsals?will lead to the Districts competition,which will be held at Wharton High School this year. Districts begins the season of Thespian competition, while States finishes it. The last main competition at States is??show time,? in which?all other high school troupes come perform, compete, and take workshops. The?long rehearsals and extra hours staying up to practice and perfecting their performance pays off here at States. That is, if they pass districts competition with an ?Excellent? or ?Superior? rating.
Both competitions have the same grading scales for performing acts and technical events.? The highest I.E. ratings a Thespian can receive are ?Superior,? the highest possible rating, and ?Excellent,? the second highest rating. ?Superior? and ?Excellent? ratings allow the competitors to proceed directly to the States Competition.
In contrast, the other ratings ? ?Good?, ?Fair?, and ?Poor? ? do not allow the competitors to compete for their troupe at States. Besides the ratings, there is also Critics? choice, which allows the judges to pick one piece from each group of performers or technical competitors?that they thought reigned supreme over all the rest.
After a successful first meeting, members are looking forward to this upcoming year. Hilda Delgado, a junior member of Thespians, said ?I think Thespians is going very well so far! It seems like a lot of fun and we seem to be right on task practicing for Districts and learning about all there is to know about theatre.?
Sophomore member Jacqueline Do added, ?I think Thespians is going to be great this year. I?m so excited! The people in the group are great as well. Everyone can just relax and be themselves and do what they love to do. That?s my favorite part about this club.?
Academy is sure to step up to the challenge of this season considering the talent of the Thespians and guidance from the enthusiastic moderator, Ms. Cox. Members?can now take part in this experience as a step to becoming a professional performer or part of the technical crew.?
Districts, watch out for this troupe, they will be fierce as JAGUARS!
To learn more about Thespians, lead your iPad?to this link http://www.flthespian.com/index.html?and immerse yourself in Florida theatre.
?
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Wednesday, September 26, 2012
Your fabulous fall foliage photos
If you're looking to hit the road this autumn to see some beautiful foliage, look no further! Travel expert Arabella Bowen shares the best highways and byways for sighseeing this season.
By Joy Jernigan, TODAY
Fall has arrived, that time of year when summer's heat gradually gives way to an imperceptible chill in the evening air. It's also when trees begin shedding their leaves in brilliant displays of fiery reds, oranges and yellows in an annual event that unfolds from September through November.
We asked for your most glorious fall foliage photos, and here they are:
More on TODAY Travel
Source: http://todaytravel.today.com/_news/2012/09/25/14101581-your-fabulous-fall-foliage-photos?lite
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BedandBreakfast Tv ? Increase Your Attractiveness Using These ...
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Are you feeling like you?re not carrying out all that you can to look your very best? Do you wish to think of a better elegance regimen, but don?t know where to start? In this post, you?ll discover some essential attractiveness assistance that can help you discover what to do up coming!
The key elements to pay attention to when you find yourself seeking to work towards the way you look or that from an individual in your area is health and fitness, clothing, skin care and standard position. By working on every one of these major topics, it is possible to develop a greater and a lot more gorgeous variation of your self.
Whiten your pearly whites making use of berries. Just before a large event or images as well as to instantaneously whiten your teeth, utilize the moist part of the cut strawberry and rub around your teeth. This helps whiten them easily and quickly. This is very rewarding when you are unprepared or operating reduced by the due date.
Go to a department shop to purchase your make-up. Many department stores have in-house beauty experts who can provide you with a cost-free makeover and allow you to decide on goods that match your skin type and sculpt. Once you know which cosmetics works best for your skin, you may then purchase your products from your retail outlet.
For relaxing skin area inflammation rose and lavender are perfect strategies to relaxed these locations. It could either be a cream or a product and can be used on any section of the body. There are a number of products obtainable in an organic develop and several who have not been examined on pets.
If you?re anxious that your newly colored fingernails will smear, it is possible to protect them with a slender motion picture of some kind of essential oil. Sometimes placed a fall of extra virgin olive oil on your own palm and rub it on the fingernails, or even easier, make use of a can of organic olive oil cooking spray and provide every finger only the quickest feel of cooking mist. The oils will type a protective shield which will keep the shine from smearing.
Use an exceptional, water-proof mascara at the shore or swimming pool. Water can easily scrub away your attractiveness schedule. Making use of waterproof items are able to keep this from occurring. If all your other products rinse away yet your mascara stays, you can expect to nonetheless seem ?done up? and finish.
Throw away mascara wands, which can be acknowledged by makeup designers as ?spoolies?, are a low-cost and effective instrument for your personal makeup package. These tiny brushes are of help to interrupt up sections inside the lashes and remember to brush away excess mascara without having spoiling your makeup products. Inside a pinch, they may also be used to bridegroom your eye brows. They must be disposed soon after each and every use.
Adding to your splendor isn?t as intricate or unreachable as it might appear to be! Given that you?ve look at this report, you realize all kinds of actions you can take which will greatly boost your appearance. With just some additional time and energy, you may get some really extraordinary final results. Exactly what are you awaiting?
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Source: http://www.bedandbreakfasttv.com/increase-your-attractiveness-using-these-sound-advice/
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Nexus 7 arrives in Japan, better late than never
Well, it took a while, but Google has finally launched the Nexus 7 in Japan. The tablet made its state-side debut in July, but it took almost three months for it to cross the Pacific and land in the east Asian nation. Pricing is a little higher than what we've seen everywhere else, with the 16GB model selling for ¥19,800, or about $312. It makes a perfect companion for the recently updated Play Books app that also just made its debut in the Land of the Rising Sun.
Filed under: Tablets
Nexus 7 arrives in Japan, better late than never originally appeared on Engadget on Tue, 25 Sep 2012 15:37:00 EDT. Please see our terms for use of feeds.
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Tuesday, September 25, 2012
SHOW BITS: Keep the line moving; Daily celebration
Show Bits brings you the 64th annual Primetime Emmy Awards through the eyes of Associated Press journalists. Follow them on Twitter where available with the handles listed after each item.
___
QUICKQUOTE: JULIANNE MOORE
"Hurry up, hurry up! I need my Emmy." ? Emmy winning "Game Change" actress Julianne Moore, waiting in line behind Emmy winning "Game Change" director Jay Roach backstage at the Emmy trophy table.
___
AN EMMY KODAK MOMENT
It's Kodak Moment time backstage at the Emmys, with "The Daily Show" winners taking photos of each other holding their Emmys.
"Do they still ship these if you ask?" inquired the show's head honcho, Jon Stewart.
"Yeah, because I have two children with me," he added, noting the statuette's pointy wings.
But he borrowed a trophy so he could pose for a photo with his writing team. He promised to return it before leaving the theater.
? Sandy Cohen ? Twitter: www.twitter.com/apsandy
___
'MANDY PATINKIN, HOLLA!'
Claire Danes came up with the catchphrase of the night when she saluted her "Homeland" co-star during her Emmy acceptance speech thusly: "Mandy Patinkin, holla."
Danes, taking the stage after winning best actress in a drama for the Showtime series, mentioned several names before matter-of-factly calling out Patinkin in the most unexpected way.
Twitter went nuts, with many people suggesting that this saying needs to become a meme, and soon.
As the pop-culture site (at)Gawker put it: "'Mandy Patinkin, holla' is the new Angelina Jolie's leg." From New York Magazine's (at)Vulture site: "'Mandy Patinkin, holla' is the best thank-you ever." And from NPR's (at)nprmonkeysee: "If the Internet doesn't remix 'Mandy Patinkin, holla' by tomorrow morning, it is a failure."
Others suggested that Jewish delis begin baking Mandy Patinkin challah. Still others made references to Patinkin's Broadway bona fides with "Evita" jokes.
If someone can figure out a way to incorporate Patinkin's famous line from "The Princess Bride" ? "Hello, my name is Inigo Montoya, you killed my father, prepare to die" ? then the Internet might truly be worthwhile after all.
? Christy Lemire ? Twitter: https://twitter.com/christylemire
___
'HOMELAND' STAR JOKES ABOUT PLAYING HOUSE
Married actor Damian Lewis joked to reporters that he might be doing some extra celebrating with "Homeland" co-star Claire Danes, who is also married and came to the Emmys with a baby bump.
"We're going away to a romantic island together," the red-headed British actor joked. "When that baby is ginger you guys are going to have a field day."
The comment may have gotten some members of the press too excited, one of whom asked Danes a few moments later how she viewed the win in light of giving birth.
"Thank god I am not giving birth," said Danes, who's in an earlier stage of pregnancy.
The pair reunited later in another backstage area, looking very platonic and like two friends enjoying each other's success.
? Anthony McCartney ? Twitter http://twittter.com/mccartneyAP
___
KIMMEL EVENS THE SCORE
Don't ever cross Jimmy Kimmel.
The Emmy host warmly introduced his parents, who were seated in the audience, and told viewers they had always been supportive of their son.
"They always told me I could do anything I set my mind to," he said, "and this year I set my mind to winning the Emmy.
"And guess what? I didn't," he went on. "You told me I could, and I didn't, and I'm devastated. You lied to me!"
Egged on by Tracy Morgan, who was seated beside them and stated, "I don't trust them," Kimmel summoned security to remove Mom and Dad from the auditorium.
"It's OK if you Taser them if you need to," he told the security men.
? Frazier Moore ?Twitter http://www.twitter.com/tvfrazier
___
DANES PROUD OF OBAMA BEING A FAN
Claire Danes loves that President Barack Obama is a fan of her show "Homeland."
"No pressure," the actress said backstage after her win for lead actress in a drama series at Sunday's Emmy Awards. "It's way cool that he is a fan. It speaks to the relevancy of the show and it's hugely validating.
Obama has said the Showtime series about a Marine returning home after being held as a POW, and who is now suspected by a CIA agent as working for al Qaeda, is his favorite.
? Beth Harris ? Twitter: http://www.twitter.com/bethharrisap
___
JIMMY KIMMEL AT TWO-THIRDS MARK
As he neared the two-thirds mark of his Emmy hosting marathon, Jimmy Kimmel hadn't broken a sweat. Nor had he broken any records for laughter or hosting finesse.
Perhaps his most notable achievement was a prank: Inviting "30 Rock" star Tracy Morgan to lie on the stage, then asking viewers to post on Facebook and tweet that Morgan "just passed out" and turn on ABC right now to see it. It worked, with the message going viral and maybe even boosting the Emmy audience for a few moments.
Otherwise, Kimmel keep the show moving, with a few forgettable jokes greasing the skids.
Oh yeah ? he offered up a parody of the "In Memoriam" fixture that's a part of all awards shows. But this one was meant to salute someone still living, "to the life and work of someone everyone in this room admires, respects and loves."
The person, of course, was Kimmel, who was displayed in slow-motion video clips while Josh Groban sang a sonorous song.
Too bad Kimmel's best Emmycast moments were a practical joke and silly self-promotion.
? Frazier Moore ? http://www.twitter.com/tvfrazier
___
TIME FOR A NEW TATTOO
Damian Lewis was so over the moon at winning an Emmy that he says he's thinking of having "Emmy Winner" tattooed on, well, somewhere on the back of his body.
"I'm overwhelmed that I am here!" said the winner of the best actor award for a drama series for "Homeland."
When told backstage that he could have the trophy engraved with his name at the Governors Ball after the show, he contemplated complementing that with body art.
But first he had to sign for his award, and as he did couldn't hold his hands still.
"It's like my grandmother used to write ? all shaky," he said.
"Just tell me what to do," he continued. "I'm out of my mind."
? Sandy Cohen ? Twitter: http://www.twitter.com/apsandy .
___
OMG! KIMMEL HIJACKS TWITTER
So this is how time-wasting celebrity rumors get started.
Emmy host Jimmy Kimmel instructed people to go on Twitter and Facebook and write something along the lines of: "OMG, Tracy Morgan just passed out at the Emmys. Turn on ABC right now!" as a prank, just to see how quickly the information would spread (and inspire new viewers). Morgan, who was in on the gag, complied.
And, true to the pack mentality that develops instantaneously on social media, untold thousands of people actually did this. Many others simply read the words "Tracy Morgan" and "passed out" and thought Morgan truly had passed out.
Even Stephen Colbert (at)StephenatHome and Rosie O'Donnell (at)Rosie got in on the action, which prompted thousands more retweets.
Morgan was committed to the act, though: Not only did he lie down on stage, he actually stayed there through the commercial break and was hauled away, rambling to himself.
? Christy Lemire ? Twitter: https://twitter.com/christylemire
___
CRYER IS NOW TOP DOG
The changing of the guard is complete.
Jon Cryer truly was shocked to win an Emmy Sunday in his first outing as a nominee for lead actor in a comedy series.
That category used to belong to Cryer's former "Two and a Half Men" co-star Charlie Sheen. But with Sheen famously dumped from the CBS program, Cryer was elevated to top dog status.
"I will be impossible to live with," he quipped backstage after collecting his award. "I will be brandishing this regularly."
Cryer said he figured Jim Parsons of "The Big Bang Theory" would repeat as the winner.
"Clearly 'Big Bang' is just at the top of its game right now and unfortunately he's not gotten any worse," Cryer said. "I just did not think this was going to happen, so I apologize for my speech."
?Beth Harris ?Twitter http://twittter.com/bethharrisap
___
KAT'S CURVES
It's a happy fact of life for male viewers that "Mad Men" star Christina Hendricks and "Modern Family" star Sofia Vergara are, well, curvy.
And their curves were on ample display at Sunday's night Emmy telecast.
But the night's big surprise: Kat Dennings in a gown that exposed much of what had only been hinted at in her "2 Broke Girls" waitress uniform.
Her bustline had viewers' jaws dropping and tweeters madly tweeting.
? Frazier Moore ? Twitter http://www.twitter.com/tvfrazier
___
NO BOW TIE FOR KEVIN COSTNER
Kevin Costner went against the bow tie fashion trend at this year's Emmy Awards, sporting an open collar look that at least beat the searing heat on the red carpet.
The nominee for lead actor in a miniseries or movie for "Hatfields & McCoys" kept his arm around the waist of wife Christine Baumgartner as he arrived for the show. Asked to describe her gown, Costner said, "I can't wait to go home and close the door."
Stephen Colbert whipped out a blotting paper to make the sweat on his upper lip disappear before facing the throng of TV cameras.
Christine Baranski of "The Good Wife" shimmered under the relentless sunshine in a gold-and-silver sequined short dress. She eschewed a gown, saying she didn't want people stepping on it all night.
"I tried this on and it rocks," she said.
? Beth Harris ? Twitter: http://twittter.com/bethharrisap
___
QUICKQUOTE: STEVEN LEVITAN
"I'm a little bit in shock, to tell you the truth." ? Steven Levitan, who won for directing, comedy, for "Modern Family"
___
STONESTREET WON BUT WHO ELSE WON?
Eric Stonestreet was the first Emmy winner of the night, and the first backstage at the trophy table, but the suspense was still killing him.
"Who won? Who won? Who won the next award?" the "Modern Family" star kept asking as he claimed his statuette for best supporting actor in a comedy.
? Sandy Cohen ? Twitter: www.twitter.com/APSandy
___
ZOOEY NAILS IT
Zooey Deschanel played up her "adorkable" persona on the Emmy red carpet with a quirky, sparkly manicure featuring television sets on her thumbnails.
The silver, gold and black accessories were a huge hit on Twitter.
A photo of an (at)ZooeyDeschanel digit was retweeted 964 times and favorite 1,135 times as of this writing. They were the work of nail technician Tom Bachik (at)RedCarpetMan.
Glamour Fashion called it "the mani we've been waiting for!" The "New Girl" star, who was a presenter Sunday night, is famous for her red-carpet nail numbers.
? Christy Lemire on Twitter: https://twitter.com/christylemire
___
A MAD MAN MOMENT IN EMMY LOBBY
It was life imitating art just off to the side of the red carpet outside the Nokia Theatre entrance as "Mad Men" newbie Ben Feldman caught a smoke.
The resourceful first-time nominee discovered a corner tucked away from the scads of cameras and celebrities that was the perfect spot for a quick pre-show cigarette.
Unfortunately, there weren't any bottles of scotch nearby for him to wash it down with, but just inside the lobby of the Nokia Theatre attendees were lined up at the concession stand for $10 cocktails.
Feldman's "Mad Men" leading man Jon Hamm held court on the other side of the lobby, attracting a line of attendees who wanted a photo with the veteran nominee.
? Derrik J. Lang ? Twitter: http://www.twitter.com/derrikjlang .
___
MOMS GOT THEIR DUE FROM THE RED CARPET
Moms weren't forgotten on the red carpet.
Rico Rodriguez, young star of "Modern Family," brought his mother as his date, presenting her to the world as "the beautiful ma-ma."
The pair were even featured in a prerecorded bit that tracked their progress in a limo from home to the Emmycast.
And earlier Stephen Colbert, while being interviewed with his wife at his side, took a moment to phone his 91-year-old mom on his cellphone to say hello.
"I've shouted at her 'We're on ABC!'" he told interviewer Josh Elliott.
? Frazier Moore ? Twitter http://www.twitter.com/tvfrazier
___
A RED CARPET PROPOSAL
One Emmy attendee used the red carpet for more than just walking ? he got down on one knee and proposed to his date.
Security initially tried to shoo him off, but saw him reaching into his pocket for a ring and let the moment happen. With throngs of people cheering, he presented the ring and received a kiss, and presumably an answer "Yes," as those nearby applauded the mystery couple.
? Anthony McCartney ? Twitter http://twittter.com/mccartneyA
___
EVEN CELEBRITIES SWEAT
With temperatures topping 90 degrees on the Emmy red carpet, the stars were doing everything they could not to let you see them sweat.
"Dancing With the Stars" host Tom Bergeron sucked down a bottle of water as he walked the carpet. Others clutched hand fans and discreetly dabbed their brows as they made their way into the Nokia Theatre.
Ashley Judd of "Missing" went a different route, toting an umbrella as she sashayed between interviews.
? Anthony McCartney ? Twitter http://twittter.com/mccartneyA
___
FROM 1 JIMMY TO ANOTHER
Jimmy Fallon is playing musical chairs at this year's Emmy Awards, in more ways than one.
The 2010 Emmy host, interviewed on the red carpet, noted he has passed hosting duties on to another Jimmy this year, name of Kimmel.
As a result, Fallon said, he doesn't even have a ticket to the 2012 show.
"But Clint Eastwood said he was going to save me a chair," Fallon cracked.
His advice to this year's Jimmy: "Don't make out with Betty White. There's cameras everywhere and you'll get caught. And definitely go to Honey Boo Boo's after-party, cause that's gonna be where it's at."
? Frazier Moore ? Twitter http://www.twitter.com/tvfrazier
____
SEEING STARS ON THE RED CARPET
At the Emmys there's the red carpet and then there's ? well ? the other red carpet.
As the main red carpet fills up, security tries to keep the line moving by directing the big stars down the carpet where cameras are lined up to film them and entertainment journalists are waiting to interview them.
Meantime, the less famous are directed down a parallel red carpet closer to the fan bleachers.
"Please continue walking," security guards continuously say.
Sometimes they'll also give a gentle nudge to someone on the B-list red carpet who lingers too long taking pictures of the folks on the A-List red carpet.
? Anthony McCartney ? Twitter http://twittter.com/mccartneyA
___
QUICKQUOTE: JESSE TYLER FERGUSON
"It's so warm I thought a nice flannel tux would be appropriate." ? Jesse Tyler Ferguson of "Modern Family" on the Emmy red carpet.
___
GETTING THE STARS' ATTENTION
"Jesse Jesse Jesse!" the crowd chants trying to get the attention of "Modern Family" star Jesse Tyler Ferguson. He obliges with several waves to the bleacher crowd.
Before the first stream of stars arrived on the Emmy Red Carpet, a show producer told them to "make everything personal" if they wanted to get their attention.
It may take several chants, but the stars often answer with a wave, a smile or the occasional fist pump.
? Anthony McCartney ?Twitter http://twittter.com/mccartneyAP
___
KEEPING COOL IN THE FAN BLEACHERS
Fran and Elmer Armstrong are awards show veterans, joining throngs of fans for at least their sixth Emmy Awards Show on a sweltering Sunday afternoon.
The retired St. Louis couple's quest for a front row seat in the fan bleachers beside the red carpet began when they lined up outside the Nokia Theatre around 7:30 a.m. Sunday. As the day progressed, and temperatures rose, they hung in there, cheering as the cameras from E! Entertainment television filmed pre-show segments.
"Goodbye Giuliana," 70-year-old Elmer Armstrong shouted to anchor Giuliana Rancic as the E Entertainment crew wrapped up.
With temperatures topping 90 degrees, he and his 71-year-old wife were like many in the stands ? trying to keep cool with water and wet paper towels. At least this year's stands are shaded. Elmer Armstrong recalled one year when fans were forced to sit in the blazing sun.
That's not the only change to this year's fan seating ? a tall wall keeps fans from glad-handing or even getting autographs from cooperative celebrities.
Elmer Armstrong remains at the ready, however ? keeping his digital SLR camera and telephoto lens handy to get shots of the stars.
? Anthony McCartney ? Twitter ? http://twitter.com/McCartneyAP
____
EDITOR'S NOTE ? Show Bits brings you the 64th annual Primetime Emmy Awards through the eyes of Associated Press journalists. Follow them on Twitter where available with the handles listed after each item.
Source: http://news.yahoo.com/show-bits-keep-line-moving-daily-celebration-031536083.html
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Fab Freebie: Happy Fifth To You | Young House Love
Fab Freebie: Happy Fifth To You
For every blogiversary we try to do something special for that week?s giveaway. And this year we ran with the five theme and snagged five different $500 prizes for one lucky winner from a few of our favorite places: FLOR, HomeGoods, Joss & Main, Shades of Light and Z Gallerie. Which means someone?s gonna get a grant total of $2,500 to spend in celebration of our big five year blogiversary.
The five generous folks who are each giving away $500 aren?t just places we love, but also places that hold a special place in the our blog?s history (and future). In addition to being one of our first and most longstanding sponsors, Z Gallerie has dished out prizes for a blogiversary before ? and was our first ever giveaway to break the 1,000 entry mark.
Richmond-based Shades of Light (also a long-time sponsor) has found their way into our home on several occasions (their local outlet makes us crazy). Plus we?ve got an exciting announcement about them that we?ll be sharing soon (secrets, secrets, are no fun).
Joss & Main is a newer favorite of ours, and they?ve invited us twice to curate sale collections on their site?. so we?ll always be grateful to them for making us feel like real designers ? even if only for a brief time. Haha.
While HomeGoods seems to find their way onto our blog pretty often (like a $500 giveaway for you guys last week), one of our favorite instances was when they helped us makeover a local family?s living areas for them a while back.
And last but not least is FLOR, whose catalogs is one of our favorites to get in the mail. But more importantly, they?re gonna play an important role in our upcoming book tour. More details on that next week!
- PRIZE: $500 gift cards to FLOR, HomeGoods, Joss & Main, Shades of Light and Z Gallerie (totaling $2,500!)
- TO ENTER: Comment on this post with the words ?FIFTH ME? and tell us?
- BONUS QUESTION: ? where you see yourself in five years. We always say we have no clue where we?ll be down the road but it?s always fun to imagine, right? How might your family be different or have grown? Will you be in a new home or a new city? Will you have the same job?
- GIVEAWAY CLOSES: Wednesday, Sept 26th at 8pm EST or at 10,000 entries (whichever comes first)
- NUMBER OF WINNERS: One
- PRIZE SHIPS: The United States (although we do try to wrangle as many international giveaways as possible)
- USUAL STUFF: One entry per e-mail address is permitted. The winner will be selected using random.org and announced on Thursday as an update to this post. That?s right, come right back here on Thursday for the announcement of our winner. Good luck?
Note: We aren?t paid or perked for hosting these giveaways, we just do ?em to thank you awesome folks for stopping in. See our Giveaway FAQ page for more info. Pics courtesy of FLOR, HomeGoods, Joss & Main, Shades of Light and Z Gallerie.
   
 
 
 
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Source: http://www.younghouselove.com/2012/09/fab-freebie-happy-fifth-to-you/
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6 Ways to Make the Landlord Pick You | Zillow Blog
You?re entering the apartment rental market for the first time, and you?ve spent many weekends looking for a place. You finally find one that?s just perfect for you, but 20 other people are waiting to see the apartment. Now you start to panic, wondering what you?can do to make yourself stand out as the perfect future tenant. Well, fear not! We have the answer.
But first, you need to understand that your future landlord cares about only three things: that you pay your rent on time, that you don?t wreck the apartment and that you don?t cause any problems with your fellow tenants, or heaven forbid, the law. If you had rented before, you?d have a ?rental resume??? references from previous landlords attesting that you were a great, responsible tenant. Alas, your don?t have one, so instead you have to behave in a way that will impress your future landlord. Here are six strategies that will help you make your case:
Look only for places you can afford
A landlord?s No. 1 goal is to make sure you can pay the rent. Win over prospective landlords by knowing the maximum rent you can afford on your income?? and only look at rentals at or under this amount. To calculate your limit, you need to first figure out how much you make per year, including all sources of income. Then take your total annual income and divide that by 40 to determine your target rent. (For example, if you make $40,000 a year, your target rent is $1,000 a month.) If that number is equal or higher than the amount you?re planning to pay in monthly rent, you?re in great shape.
Know your credit history
Having enough income to qualify for the rental is just the first step. Almost every prospective landlord will also look at your credit score. (The score can range anywhere from 300 to 850, and for most parts of the country 550-580 will be workable for a first-time renter with a decent income.) Here those few late credit card payments in college can come back to bite you. If you have a few blemishes in your credit history, ideally, you?ll need to explain a mediocre credit score before the landlord discovers it. When you bring up the dings, have an explanation as to why and how those circumstances have changed.
While plenty of services allow you to check your credit score for a fee, the federal government allows you to check your credit history one time per year with each credit bureau (Experian, Equifax and Transunion) at no cost. Simply visit AnnualCreditReport.com. You?ll want to do that before you start looking, so you have time to start repairing any damage.
Have enough cash in the bank
Most landlords charge fees even before you?re approved. Make sure you have enough money saved up to cover these expenses. An application fee and security deposit are the most common pre-approval charges. Other fees can include credit check fees, pet deposits, parking permits, broker fees and, in some cases, even the last month?s rent. Most of the fees mentioned above are refundable in the event you end up not moving into the property, though the application fee is generally non-refundable.?As a rule of thumb, you need to have at least two months? worth of rent sitting in your bank account, plus another couple of hundred for the application fees, etc. And your future landlord will want to see the bank statement to prove it.
Warning: If you have a very bad credit score, or no credit score (you always pay cash, never had a car loan, credit card or even a cellphone in your name) you may need to prepay several months of rent to land your dream apartment in a tight rental market.
The first three tips will get your foot in the door, but you still have to convince your future landlord that you?ll take care of the apartment responsibly. Here the first impression counts.
Dress up
When attending an apartment viewing and meeting with the landlord or his representatives (agent, building manager), make sure to dress nicely.?No torn cutoffs or old exercise clothes. Consider an outfit you?d wear to meet your significant other?s parents for the first time. For guys, business casual isn?t overkill; a nice button-down shirt with clean slacks or khakis can make an excellent first impression. Ladies should wear a nice skirt and blouse or a dress, or nice slacks with a shirt. First impressions mean just as much to your prospective landlord as they do to potential employers, and the message you want to send is, ?I take good care of myself, and I?ll take good care of your apartment.?
Be on time
When you are scheduled to meet with the landlord or his representatives, make sure you arrive a couple of minutes early, just like with a job interview. Why is that so important? It?s just common courtesy, but also another way of subliminally messaging to the landlord that you are punctual in your habits and will be punctual in paying your rent.
Don?t hide your doggy, kitty or cockatoo
If you have a pet, things can get tricky, especially for first-time renters without a ?rental resume? that says how well-behaved your dachshund is. It?s simply a fact that cautious landlords will often avoid renters with pets rather than guessing whether the pet is well-behaved and house-trained.?Savvy renters can avoid potential problems by suggesting a pet interview, which provides the landlord an opportunity to make a personal assessment of your pet?s behavior and demeanor.?This can be especially important for problematic breeds that get bad PR, because without personally meeting your pet, a landlord will simply move on to the next prospective tenant.
Following these six tips will show your future landlord that you will be a responsible tenant who has? enough income to pay the rent on time and will take care of the apartment. Overall, approach applying for a new rental as if you were applying for a new job.?In this market, in both situations, the ratio of qualified applicants to available openings is high, meaning you have a lot of competition. Therefore, if you?re genuinely interested in the apartment, it?s important to set yourself apart from others being considered.?To give yourself the best opportunity to wow potential landlords and be the one to sign the lease to the new place of your dreams, you need to be prepared, professional and polite.
> Find Rentals on Zillow
Related:
MyFirstApartment.com helps novice renters successfully navigate the first year of living on their own.? The blog shares proven tips and tricks for everything from finding the perfect rental or roommate, to furnishing on a small budget or no budget, to dealing with landlords or roommate?s girlfriends.
Note: The views and opinions expressed in this article are those of the author and do not necessarily reflect the opinion or position of Zillow.
Source: http://www.zillow.com/blog/2012-09-24/6-ways-to-make-the-landlord-pick-you/
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