Straight Talk 2016
January 23, 2016
Welcome Speaker
I was a welcome speaker at Straight Talk 2016 hosted by SBA and Buffalo Niagara SCORE held at the Buffalo Niagara Convention Center. This all day conference includes small business basics, seminars, and networking. Information booths were also available with banking resources, counseling services and many other resources for small businesses.

Frank Sciortino - SBA Buffalo District Director,
Arba Cooper - SCORE Buffalo Niagara Chapter Chair,
City of Buffalo Mayor Byron Brown

With so many Fair Housing Laws , it is important for landlords to know how to properly deny a tenant application. The main factors to look at when choosing tenants are: Credit Score, Eviction History, Background Check, Landlord & Employer References, and Income-to-Rent Ratio (3x) . You need to let the prospective tenant know that you will not be selecting their application by sending them an adverse action letter .