Tuesday, August 23, 2011

Neuroscience Research Group Presentation September 12

The doctors of the Northwestern University Schizophrenia Research Group will present a program on their research findings about the neurological abnormalities related to the biological causes of schizophrenia on Monday, September 12, 7-9 p.m. at the Glenview Police Dept. Building Community Room, 2500 East Lake Ave. The program is sponsored by the North Suburban Cook County NAMI group headquartered in Northfield and is free and open to the public. Free parking is available at the front of the building.

Thursday, August 18, 2011

Parking Lot is Complete

The lower level of the new parking structure at the Glenview Public Library is now open.

The garage security door on the lower level will automatically close and lock at library closing, 9:00 PM Monday-Friday, 5:00 PM on the weekends. Please be aware that you must remove your vehicle before closing or it will be locked in. Those who park in the lower level and leave the library, returning after the building and garage have been secured, will not be able to retrieve their vehicles until the next day that the library is open.

Please drive safely.

Thursday, August 11, 2011

NextReads

Subscribe to our new email newsletter service NextReads and receive reading suggestions in more than 20 reading interest categories including fiction and non-fiction, with brand new titles and older favorites. Armchair Travel, Historical Fiction, Business and Personal Finance, History and Current Events, and Popular Culture are just a few of the choices. Title entries contain easy links to the Library's online catalog. Click here for more information and to subscribe. You can unsubscribe at any time.

Wednesday, August 10, 2011

Gale LegalForms Easier to Use

Enhancements and Additions have been added to Gale LegalForms Make it Easier for Library Patrons to ‘Take the Law into Their own Hands.’

Gale LegalForms is an online legal resource available to library users through the Glenview Public Library Online Services web page. It is designed to help public library patrons create accurate and reliable legal documents. Gale LegalForms offers an easy-to-use, step-by-step approach to addressing basic legal matters, such as developing a will, conducting real estate transactions including rental or lease agreements, and more. Users have access to thousands of customizable online legal documents that are available to GPL library card holders anytime from any place through the library's web site. Users of Gale LegalForms avoid hours of research often required to develop legal documents. Users can simply locate the appropriate form that’s needed, download the form and plug in their information.

Gale LegalForms now also includes a Law Digest module which contains access to a collection of case law summaries that are ideal for research. Within each Law Digest entry users can find additional resources, including government organizations and their contact information, a bibliography for further research, and links to related subjects. The Legal Q&A section houses a collection of real attorney-provided legal answers to questions from everyday people.


Gale Legal Forms is available to library users from any PC within the Glenview Public Library or remotely for home users who have a Glenview Public Library card.

Tuesday, August 9, 2011

Keep Your Credit Rating Healthy





Credit ratings are in the news these days. Have you ever wondered about yours? Are you interested in improving your credit after being hit by the recession? Morningstar editor Esther Pak recently published an excellent article about improving and keeping your credit score strong. Morningstar is one of our GPL Online Services that Glenview Public Library card holders can access through our web site at http://www.glenviewpl.org/. You can access Morningstar, Valueline, and other business information services by using your GPL bar code number on our library web site for access to these premium paid online services.

Below is Pak's article reprinted in full:

Investing Tip of the Month

How to Keep a Credit Score High

By Esther Pak, Assistant Site Editor of Morningstar.com

Your credit score serves as a key determinant of the costs of some of the most important and substantial purchases you'll make--like buying a home or car--as well as the interest rates that accompany your credit cards. Damaged credit can affect how much you pay for services such as insurance.

Conducting a Checkup

Whether you're actively in the market for credit or not, it's helpful to know your current credit situation. For starters, every year you can obtain a free credit report from the three major credit bureaus at
http://www.morningstar.com/go/?uidm=1FWBC5GVUZ4K&murl=DYGOAHEJ--the only authorized source for consumers to obtain free credit reports. But keep in mind that this site doesn't provide actual FICO scores--you'll have to pay to see those. At http://www.morningstar.com/go/?uidm=1FWBC5GVUZ4K&murl=AMBFA0EI, you can buy two (TransUnion and Equifax) of your three FICO scores for $19.95 each. Note that other sites may provide generic credit scores but those are not the scores that lenders typically use.

As you evaluate your scores, keep in mind that lenders have varying standards when it comes to what constitutes a good credit score. The general rule of thumb is that a credit score above 720 is considered excellent, which puts you in a very good place when securing loans and other types of credit. On the other hand, a score below 620 is considered subpar and will tend to translate to higher interest rates on loans.


Tips for Boosting Your Score
It might seem obvious that the best way to maintain a high credit score is to pay your bills on time. But some aspects of credit scoring are counterintuitive. Here are five tips for raising your score.

Stick With the Majors
Having at least one major credit card, such as Visa or MasterCard, and paying your bills promptly will have a bigger impact than will good behavior with department store and gas cards. At the same time, having too many credit cards can work against you. You might be tempted to overextend your credit, and new credit inquiries, which are typically initiated when you apply for a new card, can lower your credit score.

Limit High Balances
The best way to improve your credit score is to pay down your revolving (or credit card) debt, because having a high balance/credit limit ratio doesn't bode well for your credit score. If you have a card that is close to being maxed out, consider transferring part of the balance to other cards. That's because it's generally better to have smaller balances on a few cards than a big balance just on one. Also keep your charges to 30% or less of a card's limit; 10% is ideal. If you're having trouble sticking to the limits, set up e-mail or text alerts with credit card companies to let you know when you're approaching a limit you've set.

Comb Through Your Credit Report
When you receive your credit report, scrutinize it for any erroneous information, such as improperly reported late payments or accounts that don't belong to you. Also bear in mind that identity theft can swiftly hack away at your credit score. If you do spot fraudulent activity related to your cards, cancel all credit cards and alert your card issuer. Then, file a police report in the community and a complaint with the Federal Trade Commission. Also call the toll-free fraud number at any one of the three major credit reporting agencies to place a fraud alert on all three of your reports. Doing so will ensure that all potential lenders speak with you directly and require you to answer a series of security questions before authorizing a new line of credit.

Keep Up Good Habits
If a history of making late payments with a credit card company has adversely affected your credit score, make it a priority to keep paying your bills on time going forward. Delinquencies on payments remain on your credit report for seven years, though some bankruptcies and unpaid tax liens can remain on your record for 15 years. So even though rebuilding your credit history might not be fun, it's possible to undo black marks on your record.

Maintain Old Relationships
Although those in credit-improvement mode might reflexively embark on an account-closing spree, it's usually wise to hang on to your oldest credit card accounts. That's because the length of your credit history is an important factor in your credit score, so closing old accounts can actually hurt your credit rating by making you look like a much newer borrower than you are. Moreover, closing an unused account without paying down your debt increases your utilization ratio, which is the amount of your total debt divided by your total available credit, and that too can be a negative for your credit rating.

Friday, August 5, 2011

Mosquito Spraying in Glenview

Recent heavy and frequent rainfalls have produced a bumper crop of mosquitos. As a result, the North Shore Mosquito Abatement District has targeted Glenview and other North Shore communities for mosquito adulticide spraying. The Village posts information on its website about when and where the treatments are scheduled after notification by the abatement district. For tips on how to avoid mosquito bites and more information on the abatement district's treatment programs, go to the NSMAD website.

Tuesday, August 2, 2011

Let Your Legislators Know How You Feel-Give Them a Tweet!

Did you get caught up in the recent phone logjam trying to get to your legislators to let them know how you feel about the debt ceiling controversy?
Next time, forget about calling, just send them a tweet!
The helpful folks at FearlessRevolution Blog have put together a list of all federal senators and members of congress and their twitter handles to make it easy for you to express your thoughts in 140 characters or less!

Dog Days of Summer

There are only nine of them left, so hang in there! According to Chase’s Calendar of Events, the Dog Days begin on July 3 and end August 11. In the Northern Hemisphere they are typically the hottest days of the year, no surprise there. They were originally called dog days because at one time they coincided with Sirius' – the Dog Star’s – rising at about the same time as the sun. This is no longer true, but the name stuck. The Ancients sacrificed a brown dog at the beginning of the period to appease the rage of Sirius, but these days, we recommend a tall, frosty drink and air conditioning.

Learn more about the Dog Days here.