7801 Scenic Highway
Baton Rouge, LA 70807
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 Fax:(225) 356-4267
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Your Access to Free Credit Reports

Published 2/1/2012

Your Access to Free Credit Reports

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

A Warning About “Imposter” Websites

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.

Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.

Q: What information do I need to provide to get my free report?

A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Q: Why do I want a copy of my credit report?

A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to:

  • make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
  • help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Q: How long does it take to get my report after I order it?

A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.

There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know.

Q: Are there any other situations where I might be eligible for a free report?

A: Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $10.50 for another copy of your report within a
12-month period.

To buy a copy of your report, contact:

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

Q: Should I order a report from each of the three nationwide consumer reporting companies?

A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.

Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time?

A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

Q: What if I find errors — either inaccuracies or incomplete information — in my credit report?

A: Under the FCRA, both the consumer report­ing company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.

  1. Tell the consumer reporting company, in writing, what information you think is inaccurate.

    Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

    When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

  2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

Q: What can I do if the consumer reporting company or information provider won’t correct the information I dispute?

A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your state­ment to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.

Q: How long can a consumer reporting company report negative information?

A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about crimi­nal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, which­ever is longer.

Q: Can anyone else get a copy of my credit report?

A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, em­ployment, or renting a home are among those that have a legal right to access your report.

Q: Can my employer get my credit report?

A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.

For More Information

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To learn more about credit issues and protecting your personal information, visit ftc.gov/credit.

To file a complaint or to get free information on other consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

         

        The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


        AfterHours - Oncall Answering Service

        Published 2/1/2012
        If you have an afterhours emergency, please contact our answering service at 225-906-5277. 


        Palisades Rules and Regulations

        Published 2/1/2012

        The Palisades at Jaguar City
        Apartment Community Rules and Regulations
        Effective September 1, 2010


         

        EXHIBIT “A”

        RULES AND REGULATIONS

         

        These Rules and Regulations are incorporated by reference into the Lease between Landlord and Resident and are a part thereof. They are promulgated for the purpose of preserving the welfare, safety, and convenience of residents in the Apartment Community and for the purposes of making a fair distribution of services and facilities for all residents, and for the purpose of preserving Landlord's property from abusive treatment.

        1.             Solicitation and/or canvassing of any kind, without the prior consent of the Landlord, will not be permitted in the Premises or about the Apartment Community Residents are requested to notify Landlord of any such activity.

        2.             Residents shall not hang or erect anything on or about the interior or exterior of the Premises or Apartment Community, nor place nails, hooks, etc. on interior or exterior walls or ceilings of the Premises or Apartment Community without the prior written consent of Landlord.  Residents are encouraged to use good taste when decorating.  Posters should be secured to walls using push pins or thumb tacks.  Framed pictures or heavy wall hangings should be secured using proper picture hanging hooks that do not penetrate through the entire dry wall boards.  Seek assistance from the Apartment Community maintenance staff if you have any questions.  All interior and exterior doors of the Premises and Apartment Community shall remain free of nails, stickers, or any other additions to the original surface.  To avoid marring the facilities, no posters or flyers are to be posted on exterior building walls, windows, or doors.

        3.             Pets or any animals are prohibited from being brought into the premises of Apartment Community without the express written consent of Landlord. Pet prohibitions apply to all mammals, reptiles, birds, fish and insects.  Notwithstanding the foregoing, nothing herein shall be construed to prohibit seeing-eye dogs in Apartment Community for the visually impaired or other animals assisting disabled or handicapped persons. In the event of a violation of this rule, a $100 fine per occurrence will be assessed against the Resident, and Landlord, at its discretion, may declare the Resident in default.   Pets must be removed from the Premises immediately.  Landlord may remove any unauthorized pet if one day’s written notice of intent to remove the pet is left in a conspicuous place in the Apartment.  Landlord may turn the pet over to a humane society or local authority.

        4.             Fire warning devices and safety equipment are to be used only in case of emergency. The sounding of a fire alarm should be taken seriously. In the event of an alarm, residents are to vacate the premises immediately.  Residents will be instructed by university or Apartment Community staff when they will be allowed to return to their apartments.  Residents who do not vacate their Apartment during a fire alarm are subject to disciplinary action. The intentional sounding of an alarm outside of an emergency situation is a criminal offense and a material breach of the Lease.  At Lease commencement Landlord will test the smoke detectors and carbon monoxide detector in the Premises for proper operation and working batteries.  Upon notification by Resident, Landlord will replace batteries. Tampering or altering smoke detectors or carbon monoxide detector will result in a $25.00 fine.  Any violation is a default under the Lease which will entitle Landlord to declare a default and pursue all remedies available to Landlord.

        5.             Fire code prohibits storage or use of barbecue grills in or on any building, walkway, stairway, patio, deck or balcony.   Grills found on the Premises will be disposed of by Landlord.  Community grills are available for residents only.  Grills and grill area should be left clean for use by others.

        6.             The use of candles in the Premises is not permitted.

        7.             The following items are prohibited in Apartment Community:

                        a.             Decals and stickers (with the exception of security ID stickers) because of damage to painted walls, windows, and other surfaces.

                        b.             Darts, dart boards, and liquid-filled furniture because of potential damage to the facilities.

                        c.             Dangerous substances and chemicals including, but not limited to, automobile batteries, gasoline, acids and other dangerous chemicals.

        d.             Firearms, fireworks, and dangerous weapons because of the potential danger to others. This includes, but is not limited to, pistols, rifles, BB guns, paint pellet guns, billy clubs, numchucks, switchblades, explosives and dangerous chemicals.

                        e.             Major appliances not otherwise provided by Landlord (such as washers, dryers, dishwashers, etc.) because of electrical and plumbing problems.

                        f.              Aerials, masts and other short wave radio transmitting equipment because of FCC interference regulations and safety precautions.

                        g.             Live-cut Christmas trees because they constitute a fire hazard.

                        h.             Drug paraphernalia because they are associated with the use of illegal substances.

                        i.              Motorcycles, motor scooters, mopeds, or other internal combustion engines inside or adjacent to buildings.

                        j.              Space heaters and other heating devices because they present a fire hazard.

        8.             Some small appliances, such as radios, televisions, irons, refrigerators not exceeding four cubic feet and microwaves not exceeding 600 watts are permitted.

        9.             Dehumidifiers in all apartments, if equipped, must remain in the on position and placed on low and set to “5” at all times.

        10.          Landlord recognizes the right of Resident to entertain friends and have guests. Resident, members of Resident's family and guests shall at all times conduct themselves in an orderly manner, and shall not make or permit any loud or offensive conduct or otherwise disturb the comfort or quiet enjoyment of the other residents. Resident will be held responsible for the conduct of their visitors and guests; however, the privacy and right to normal use of the Premises by Resident's roommate must be respected by Resident when entertaining visitors and guests.  Residents of the same sex may visit overnight when it can be arranged with the Property Manager for a period not to exceed two consecutive nights.  Any person occupying or otherwise staying in Resident’s room or suite as a guest for more than two (2) consecutive days shall be deemed a guest only if the prior written consent to such occupancy or stay is secured from Landlord, except that, under no circumstances, may such person’s stay in the room exceed four (4) days.  In recognition that the Premises are primarily for Resident’s occupancy relative to Resident’s enrollment at University for educational purposes, Resident may not request permission for a guest to stay in Resident’s room any more than four (4) times during the Lease Term.  Resident’s failure to observe the above requirements shall constitute a default by the Resident and entitle Landlord to exercise its rights and remedies hereunder.

        11.          All radios, televisions, stereo equipment or any other appliances or items which generate noise or sound shall be turned down to a level that does not annoy or interfere with the quiet enjoyment of the other residents.

        12.          No percussive or electronically amplified musical instruments may be played on the premises with the exception of scheduled student activities in common areas organized by the University, or by the Apartment Community management or staff.  Non-electronically amplified acoustic instruments may be played in the Premises or in Apartment Community at a level that does not annoy or interfere with the quiet enjoyment of the other residents.

        13.          No incense or other odor producing items shall be used in or about the Premises. It is understood by Resident that offensive noises and odors are expressly prohibited.

        14.          Driveways, sidewalks, courts, halls, entry passages, stairs and other public areas shall not be obstructed at any time. Bicycles may be parked or stored only in the areas provided for bicycle parking. Bicycles may not be chained to any exterior railings, trees, light poles, or any other structure.  Bicycles may be removed from such areas by Landlord and a $25.00 removal fee will be charged to the owner of the bicycle. Landlord shall not be liable for damage or loss of any bicycles.

        15.          Residents will not be permitted to construct lofts, waterbeds, wall partitions, or any similar structure without the written consent of the Landlord, which consent may be withheld in the sole discretion of Landlord.

        16.          All residents shall comply with QUIET HOURS and COURTESY HOURS in the community as posted, and shall comply with all rules and regulations as posted from time to time for use of the recreational areas.  No guests or visitors shall be authorized in the recreational areas except when accompanied by Resident. 

        17.          All organized parties must be planned in advance with and be approved in writing by Landlord.

        18.          Alcohol-related conduct which infringes upon the rights of others to a quiet, orderly living environment is not acceptable under any circumstances. Under no circumstances shall the consumption of alcohol take place or any open container of alcohol be permitted in Apartment Community except inside an apartment, and then only by persons 21 years old or older.

        19.          Windows and doors shall not be obstructed. The use of foil and other similar materials over windows is not permitted.  Window screens must remain permanently in place to fulfill their purpose and to avoid loss.  In the event that Resident removes or damages the window screen, a charge of $25.00 will be imposed for each offense, and payment must be made within ten (10) days from date Resident receives notice of the charge.

        20.          All trash and refuse should be placed in parking lot dumpsters provided by Landlord and not left in the Premises or in any of the common areas, hallways, or similar places in Apartment Community.  Residents should not deposit room or apartment trash in litter receptacles located throughout the grounds since these are intended for litter, not apartment trash or garbage.  Residents should deposit items to be recycled in the appropriately designated recycle receptacles when available.  A $25.00 service charge will be immediately due and payable by Resident for any refuse which is left outside Resident’s unit, placed in litter receptacles, or left elsewhere on the property.

        21.          It is the responsibility of the Resident to clean and maintain her/his Apartment in a sanitary and safe condition.

        22.          Parking is by permit only in specified areas. Possession of a parking permit does not guarantee the availability of a space.  The parking fee is for rental of space, which cost is borne only by those requiring such facility.  Parking in more than one space, in fire lanes, in staff spaces or spaces assigned to other residents will result in the vehicle being ticketed or towed at vehicle owner’s expense.  Landlord is not responsible for damage that may occur during towing.  Vehicle reconditioning, repair, maintenance (including changing of oil or changing tires) is not permitted on site.  Washing cars is not permitted unless designated at a specific time and area by Landlord.  Vehicles deemed inoperable or in disrepair by Landlord may be removed at owner’s cost if one day’s written notice of intent to remove the vehicle is left in a conspicuous place on the vehicle.

        23.          Speed limit for motor vehicles within the parking areas and/or within the Apartment Community is not to exceed 5 MPH.  Pedestrians have the right of way.

        24.          No furniture is to be removed from public areas or apartments.  Removal of such will be considered disorderly conduct or theft and the person or persons responsible may incur charges for replacement, fines or other disciplinary actions.

        25.          At certain times, if a Resident is accompanied by a guest, the guest must provide a valid I.D. and sign in before entry.

        26.          Resident will pay a $50.00 service charge each time that Resident locks himself/herself out of the Premises and requests Landlord’s assistance to gain access to the Premises after 5:00 p.m. on weekdays and any time on weekends and holidays.  Locks may not be altered, changed or added by Resident under any circumstances.  Keys and Electronic Access Cards are the property of Landlord and must be returned to Landlord at the end of Resident's occupancy.  Duplication of keys is prohibited.  Resident will be charged at Landlord’s then current key replacement rate for each key that is damaged.  Resident will be charged at Landlord’s then current card replacement rate for each lost or damaged Electronic Access Card.  .  Resident will be charged at Landlord’s then current re-keying rate to re-key the entire apartment due to a lost key.  Landlord may, from time to time and without prior notice, change locks on an apartment for security purposes.  Residents will be instructed to exchange keys at the leasing office.  In the event of any missing apartment keys, the responsible resident shall pay for the lock change of the entire apartment.

        27.          No recreational or sporting games in any form are permitted in the buildings, breezeways, balconies or parking lots.

        28.          No storage for unwanted furniture is available.  Residents shall return furniture to its original position prior to moveout.  No furniture may leave the Premises at any time.

        29.          No couches, chairs, sofas or loveseats are to be placed in the window / alcove area of the living room.  Entertainment centers may be placed in the window /alcove area of the living room but must be at least 8” inches from the window.

        30.          The Apartment Community is a smoke free facility.  Smoking is not allowed in any public areas, e.g. hallways, lounges, laundry room, or any apartment.

        31.          Baby-sitting is not allowed in the Apartment Community with the exception of the children of Apartment Community residents. Commercial or business activity within the apartment units is expressly prohibited.

        32.          The use, sale, or distribution of illicit drugs will not be tolerated.  Residents or guests caught using, selling, possessing or soliciting drugs will be turned over to the local police or university police, as appropriate.  Residents or guests caught or suspected of using drugs will face disciplinary action including the possibility of eviction.

        33.          Gambling is prohibited in the Apartment Community or on the Apartment Community grounds.

        34.          Hazing by any club, group, organization or individual is strictly forbidden by State law.  Hazing includes “any act that injures, degrades, disgraces, any fellow student or person.”  Pledging activities are prohibited.

        35.          All signs, posters or other items must be approved by Landlord before they may be posted in any public area.  Approved materials must be posted in approved areas.

        36.          Laundry facilities are for residents’ use only.

        37.          Throwing, dropping, or hanging any and all objects from windows and balconies in Apartment Community constitutes a danger to other residents and the facilities and is expressly prohibited.  Residents who throw, drop or suspend any objects, including but not limited to Frisbees, balls, paper gliders, etc., will be subject to immediate eviction.

        EXCEPT AS TO FINES SPECIFICALLY SET FORTH IN THESE RULES AND REGULATIONS, LANDLORD MAY IMPOSE A FINE FOR ANY VIOLATION OF THESE RULES AND REGULATIONS. ANY VIOLATION OF THESE RULES AND REGULATIONS ALSO CONSTITUTES A DEFAULT UNDER THE LEASE AND SHALL ENTITLE THE LANDLORD TO PURSUE ALL REMEDIES AVAILABLE TO LANDLORD PURSUANT TO SAID LEASE. LANDLORD'S DETERMINATION OF A VIOLATION SHALL BE FINAL.

        RESIDENT ACKNOWLEDGES THAT HE OR SHE HAS READ THESE RULES AND REGULATIONS PRIOR TO EXECUTING THE LEASE AND RESIDENT AGREES TO ABIDE BY THESE RULES AND REGULATIONS DURING THE LEASE TERM. RESIDENT ALSO ACKNOWLEDGES THAT LANDLORD EXPRESSLY RESERVES THE RIGHT TO PROMULGATE ADDITIONAL RULES AND REGULATIONS APPLICABLE THE APARTMENT COMMUNITY OR TO AMEND OR MODIFY ANY RULE OR REGULATION CONTAINED HEREIN AS LANDLORD FROM TIME TO TIME DETERMINES TO BE APPROPRIATE.

         

        I acknowledge that I have read the foregoing, understand that it is a part of my Lease, and agree to abide by the foregoing.

         

         

         

         

         

         

         

         

         

         

         

         

         

         

         

         

         

         


        Energy Saving Tips

        Published 2/1/2012

        Heating Tips

        • Take advantage of free solar heat - keep blinds open in the day to let in sun, close them at night to hold in the heat
        • Replace filter in heating unit at least once a month
        • Set thermostat at 68 degrees, 2-3 degrees lower if you'll be away from the house for several hours
        • Close fireplace flue when not in use
        • Use warm clothes, blankets, etc. to feel warmer
        • Caulk/weatherstrip around doors and windows.  It's inexpensive, and it can significantly reduce drafts and improve comfort
        • Turn off exhaust fans immediately after use
        • Use ceiling fans ("backwards") to circulate warm air down from the ceiling
        • Cooking helps heat your home - but don't use the oven as a primary heat source .

        Cooling Tips

        • Control solar heat - keep windows shaded to keep out direct sun
        • Replace filter in air conditioning unit at least once a month
        • Set thermostat at 78-80 degrees, 2-3 degrees higher if you'll be away from the house for several hours
        • Use ceiling fans to make your home feel cooler
        • Turn off all unnecessary lights and appliances - they add heat to your home
        • Do cooking and other heat producing chores during cooler parts of the day (morning or evening)
        • Turn off exhaust fans after use.
        • Ask the landlord to service the AC at least once a year

        Water Heating Tips

        • Use low flow fixtures/faucet aerators
        • Don't let hot water run when shaving, doing dishes, etc.
        • Do only full loads of wash
        • Use cold or warm water wash instead of hot to save

        Lights/Appliances

        • Turn off when not in use
        • Use compact fluorescent lamps instead of traditional light bulbs

        About Renter's Insurance

        Published 2/1/2012

        Why Buy Renters Insurance?

        If you're a renter, you may not think you need insurance at all. (Your landlord already has insurance on the building, right?) But you may not realize that your landlord's policy doesn't cover any of your personal property. What would happen to your belongings if:

        *                       Your apartment building burned down?

        *                       A thief broke into your town house?

        *                       A guest slipped and injured himself in your kitchen?

        *                       The home you're renting suffered water damage?

        Without renters insurance, you've got no coverage for personal property loss or damage. Fortunately, you can get affordable renters insurance (also called apartment insurance) to protect you in situations like these.

         

        Protect Your Belongings

        Too often, people think they don't have enough property to make a renters insurance policy worthwhile. But take a minute to think about what you own, and what you've got to lose, including:

        *                       Clothing

        *                       Furniture

        *                       A television or entertainment system

        *                       A computer

        *                       An iPod

        *                       Musical or sporting equipment

        *                       Jewelry

        When Does Renters Insurance Apply to You?

        Your renters policy will state exactly what you're insured against. In the insurance world, it's known as "named peril" coverage.

        The named perils in your renters policy may include:

        *                       Fire or Lightning

        *                       Windstorm

        *                       Smoke

        *                       Vandalism or Malicious Mischief

        *                       Theft

        *                       Accidental Discharge of Water

        *                       Nine other common loss types

        Your coverage will also include liability protection, which covers injury to another person on your property. If necessary, your policy may even pay for your legal defense in these circumstances.

        Additionally, your policy will include medical payments coverage that pays for medical expenses of people who don't live with you, but who are injured on your property.

        Contact a local insurance agent today and ask about renter's insurance.

         


        Palisades Video....Student Living at its Best

        Published 2/1/2012

        Ambling Student Housing February EcoGram 2012

        Published 2/8/2012

        SU Student Refunds

        Event Date and Time: 2/17/2012 12:00 AM to 11:59 PM

        Spring Break - SUBR

        Event Dates: 4/6/2012 to 2/15/2012

        Final Exam Period - SUBR

        Event Dates: 5/7/2012 to 5/12/2012

        Spring Commencement -SUBR

        Event Date and Time: 5/18/2012 12:00 AM to 11:59 PM