Campaign Fact Sheet About the Loan Modification Scam Epidemic national foreclosure rate 2.1%. Every 20 seconds

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Campaign Fact Sheet About the Loan Modification Scam Epidemic national foreclosure rate 2.1%. Every 20 seconds"

Transcription

1 Campaign Fact Sheet Abut the Lan Mdificatin Scam Epidemic Tday, the natinal freclsure rate stands at. Every 20 secnds in America, there is anther freclsure filing. There are mre than 4,260 hme freclsure filings per day. Apprximately 1 millin husehlds are currently in sme stage f freclsure. Experts say 4.9 millin hmes have already cmpleted freclsure since September The freclsure envirnment cntinues t prvide great pprtunity fr lan mdificatin scam artists, wh prey n unsuspecting hmewners with unethical and smetimes illegal tactics t scam them ut f mney and ften times their hmes. Many f these hmewners turn t lan mdificatin r freclsure rescue cmpanies, r even lawyers wh are unethical, fr help -- nly t realize they've been scammed. Lan mdificatin scams cntinue. Every day, hmewners fall prey t the slick advertising and sales pitches that guarantee t keep them in their hmes. Many scam artists are penly taking advantage f peple in difficult circumstances n the televisin and radi, nline, n hme and cell phnes, and smetimes bldly kncking n drs in cmmunities. Abut the Lan Mdificatin Scam Alert Campaign T cmbat this issue, Cngress asked NeighbrWrks America t launch a natinal public educatin campaign t empwer hmewners t educate hmewners abut lan mdificatin scams. The campaign targets all audiences, but its resurces are fcused sharpest n thse grups that have already seen high levels f scam activity, including senirs, Hispanics, African Americans and Asian Americans Our missin is threefld: 1. First, ALERT hmewners abut scams. 2. Secnd, help them spt a scam befre it's t late. 3. Third, encurage them t reprt scammers t the authrities. Thrugh an integrated marketing and earned media campaign, NeighbrWrks America has wrked with its natinal, state and lcal partners n the grund and 235 cmmunity-based affiliates t educate and prtect hmewners frm scam artists. Campaign partners have alerted thusands f hmewners in cmmunities at high risk fr scam activity thrugh real-life scam stries, fliers, pstcards, dr hangers, e-cards, psters, televisin, radi, and print advertising, lcal radi and transit PSAs, ut f hme advertising, search engine marketing, events, wrd f muth and scial media activity.

2 What Hmewners Can D t Avid Scams Hmewners at risk f freclsure and lking fr lan mdificatin guidance shuld AVOID any cmpany r persn wh: Asks fr fees in advance (it s illegal t cllect advance fees) Guarantees that they ll stp a freclsure r mdify a lan, r Tells yu t stp paying yur mrtgage cmpany r t pay them instead. Fr free, lan mdificatin guidance frm a HUD-apprved cunseling agency call HOPE (4673) available 24 hurs a day, seven days a week r visit Charts and Graphs Ttal Mdificatin/Freclsure Scams Reprted t the Federal Trade Cmmissin Cnsumer Sentinel Database ,000 20,500 20,000 19,500 19,000 20,480 20,540 18,500 18,000 17,500 17,000 18,086 18,079 16, Number f Cmplaints Filed thrugh FTC Cnsumer Sentinel Database = 71,185

3 States Mst with High Freclsure Rates 2013 Tp 20 States with Highest Freclsure Rates Flrida Cnnecticut Maine Hawaii Illinis Nevada Delaware New Mexic Oregn Rhde Island Suth Carlina Vermnt District f Clumbia Oklahma Washingtn 3.6% 3.6% 3.4% 3.1% 3.0% 3.0% 2.5% 2.5% 2.4% 2.4% 2.3% 1.9% 1.9% 1.8% 4.9% 6.7% 6.5% 0% 1% 2% 3% 4% 5% 6% 7% 8% Natinal Freclsure Rate in 2013 =

4 States Mst Affected by Scams 2013 Tp 20 States with Highest Scams Reprted t the Lan Scam Database Califrnia Flrida Illinis Texas Gergia Massachusetts Virginia Washingtn Nrth Carlina Wiscnsin Arizna Michigan Clrad Suth Carlina Tennesee In 2013, hmewners reprted 9,669 cmplaints t the Lan Scam Database ,000 1,200 1,400 Number f Cmplaints Filed thrugh Lan Scam Database in 2013 = 9,669 Original lan mdificatin scam cmplaint infrmatin is cmpiled and hused in the natinal Lan Mdificatin Scam Preventin Netwrk Database, which is maintained by the Lawyers Cmmittee fr Civil Rights Under Law, lcated in Washingtn D.C.

5 States Mst Affected by Scams 2012 Tp 20 States with Highest Scams Reprted t the Lan Scam Database Califrnia Flrida Gergia Texas Illinis Virginia Massachusetts Michigan Nrth Carlina Tennessee Washingtn Arizna Cnnecticut Clrad Wiscnsin In 2012, hmewners reprted 8,658 cmplaints t the Lan Scam Database ,000 1,200 1,400 1,600 Number f Cmplaints Filed thrugh Lan Scam Database in 2012 = 8,658 Original lan mdificatin scam cmplaint infrmatin is cmpiled and hused in the natinal Lan Mdificatin Scam Preventin Netwrk Database, which is maintained by the Lawyers Cmmittee fr Civil Rights Under Law, lcated in Washingtn D.C. Surces: Federal Trade Cmmissin, Cnsumer Sentinel Database Lawyers Cmmittee fr Civil Rights Under Law Cre Lgic RealtyTrac Fr mre infrmatin, cntact: Duglas Rbinsn, ,

Taking All the Credit: Tax Credits That Could Give Your Family a Break

Taking All the Credit: Tax Credits That Could Give Your Family a Break Taking All the Credit: Tax Credits That Culd Give Yur Family a Break Vlume 26 Tax seasn is here again! D yu fear ding yur taxes r feel that it is a chre? It desn't have t be scary r take a lt f wrk. If

More information

MCInfo An Overview for Companies

MCInfo An Overview for Companies MCInf An Overview fr Cmpanies Natinal Online Registries, LLC, an NICUSA cmpany, hsts Mtr Carrier Infrmatin Exchange, r MCInf. MCInf is a natinal, Internet-based service that lets Insurance Cmpanies, Filing

More information

LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form

LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Frm At the beginning f the interview, please remember: Tell hmewners at the utset that yu are nt ffering t represent them at this time, that there

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

Specifically, the Council reviewed information from a variety of sources and the institutions' responses in connection with the following items:

Specifically, the Council reviewed information from a variety of sources and the institutions' responses in connection with the following items: VIA E-MAIL AND OVERNIGHT DELIVERY Mr. Kevin Mdany President and CEO ITT Educatinal Services, Inc. 13000 Nrth Meridian Street Carmel, IN 46032 kmdany@ittesi.cm Dear Mr. Mdany: ITT TECHNICAL INSTITUTE, INDIANAPOLIS,

More information

The Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant

The Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant The Allstate Fundatin Dmestic Vilence Prgram 2015 Mving Ahead Financial Empwerment Grant Due Date: September 1, 2015 Online applicatin: https://www.grantrequest.cm/sid_1010?sa=sna&fid=35296 The Allstate

More information

A Guide to Buying Foreclosures

A Guide to Buying Foreclosures A Guide t Buying Freclsures Use this step by step guide t better understand the freclsure market and the prcess invlved in purchasing these prperties. 9 Steps t help yu buy a freclsure. A Guide t Buying

More information

Small Business Healthcare Education & Implementation

Small Business Healthcare Education & Implementation Small Business Healthcare Educatin & Implementatin Over the past fur years, Small Business Majrity has successfully created a pwerful nnidelgical vice fr America s 28 millin small business wners and self-emplyed

More information

The Stanley Foundation 209 Iowa Avenue Muscatine, IA 52761 563-264-1500 563-264-0864 FAX EVENT PLANNER S GUIDE

The Stanley Foundation 209 Iowa Avenue Muscatine, IA 52761 563-264-1500 563-264-0864 FAX EVENT PLANNER S GUIDE The Stanley Fundatin 209 Iwa Avenue Muscatine, IA 52761 563-264-1500 563-264-0864 FAX EVENT PLANNER S GUIDE Table f Cntents Abut the Nw Shwing Event-in-a-Bx Tlkit...2 Event Planning Checklist...4 Pre-Event

More information

2014 Entry Form (Complete one for each entry.) Fill out the entry name exactly as you want it listed in the program.

2014 Entry Form (Complete one for each entry.) Fill out the entry name exactly as you want it listed in the program. 2014 Entry Frm (Cmplete ne fr each entry.) Fill ut the entry name exactly as yu want it listed in the prgram. Entry Name HFA Submissin Cntact hne Email Qualified Entries must be received by Tuesday, July

More information

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions Maryland General Service (MGS) Area 29 Treatment Facilities Cmmittee (TFC) TFC Instructins Lve And Service Facility Presentatin t Patients We are frm Alchlics Annymus (AA), fr AA, and ur service is fr

More information

Cadette Savvy Spender Workshop. Adult Facilitation Guide

Cadette Savvy Spender Workshop. Adult Facilitation Guide Cadette Savvy Spender Wrkshp Adult Facilitatin Guide Wrkshp Time: 3 hurs and 30 minutes Ttal time spent t facilitate this wrkshp is 3 hurs and 30 minutes. Belw yu will find a facilitatin guide t help girls

More information

Introduction to the Community Reinvestment Act Housing Action Illinois 2015 Housing Matters! Conference

Introduction to the Community Reinvestment Act Housing Action Illinois 2015 Housing Matters! Conference Intrductin t the Cmmunity Reinvestment Act Husing Actin Illinis 2015 Husing Matters! Cnference Nvember 5, 2015 Develping Bank Partnerships Bank Mtives fr Partnerships: l Welfare f the cmmunity and the

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

Frequently Asked Questions for Restoring Stability: A Save the Dream Ohio Initiative (Ohio s Hardest-Hit Fund)

Frequently Asked Questions for Restoring Stability: A Save the Dream Ohio Initiative (Ohio s Hardest-Hit Fund) Frequently Asked Questins fr Restring Stability: A Save the Dream Ohi Initiative (Ohi s Hardest-Hit Fund) General Prgram Questins What is Restring Stability: A Save the Dream Ohi Initiative (Ohi s Hardest-Hit

More information

Nurse Practitioners and Physician Assistants: Supply, Distribution, and Scope of Practice Considerations

Nurse Practitioners and Physician Assistants: Supply, Distribution, and Scope of Practice Considerations Nurse Practitiners and Physician Assistants: Supply, Distributin, and Scpe f Practice Cnsideratins A resurce prvided by Staff Care, the natin s leading lcum tenens staffing firm and a cmpany f AMN Healthcare

More information

Join the top radio station for the over 45s to make your business No.1!

Join the top radio station for the over 45s to make your business No.1! Jin the tp radi statin fr the ver 45s t make yur business N.1! 104.9 SUNSHINE FM MEDIA KIT (Effective Octber 2015) We are prud t annunce that in a McNair Ingenuity Research Survey 104.9 Sunshine FM was

More information

Emergency Preparedness Plans. Page 1 of 19

Emergency Preparedness Plans. Page 1 of 19 Emergency Preparedness Plans Page 1 f 19 Page 2 f 19 Requirements SUA Respnsibilities t AA Designate a Disaster Aging Officer DADS Disaster Crdinatr - Glen Basn A&I AAA Sectin s Disaster Team Aimee Mick*,

More information

Team Hpe Walk fr HD Where we have been. Where we are ging. 1 Welcme T Team Hpe Walk fr HD 2009! Jana Wilcx, Natinal Manager 2 Tday s Gals Gal #1: Share with yu The Visin f the Walk Initiative Prvide a

More information

Saving Energy Lesson Plan

Saving Energy Lesson Plan Prviding energy educatin t students in the cmmunities we serve. That s ur Prmise t Michigan. Saving Energy Lessn Plan Cnsumers Energy s Saving Energy Lessn Supprts the Michigan Grade Level Cntent Expectatins

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

COLLEGE APPLICATION DAY

COLLEGE APPLICATION DAY INDIANA COLLEGE APPLICATION DAY Schl Manual 2015 Editin COLLEGE PLANNING CAREER SUCCESS Prduced in partnership by the Indiana Cmmissin fr Higher Educatin and the American Cllege Applicatin Campaign. Funding

More information

Utility Tax Training Seminars. Deloitte Center. for Energy Solutions. Utility Industry Book/Tax Differences March 25, 2015

Utility Tax Training Seminars. Deloitte Center. for Energy Solutions. Utility Industry Book/Tax Differences March 25, 2015 Utility Industry Bk/Tax Differences March 25, 2015 Financial Reprting fr Incme Taxes: Rate-regulated Utilities March 26, 2015 Dallas, TX Delitte Center fr Energy Slutins The Prgram Utility Industry Bk/Tax

More information

Preventing Identity Theft

Preventing Identity Theft Preventing Identity Theft Each year, millins f Americans have their identity stlen. ENG Lending wants yu t have the infrmatin yu need t prtect yurself against identity theft. While there are n guarantees

More information

Strategic Plan 2015 2018

Strategic Plan 2015 2018 The Illinis Chapter f the Natinal Schl Public Relatins Assciatin Strategic Plan 2015 2018 Missin Statement The missin f the Illinis Chapter f the Natinal Schl Public Relatins Assciatin (INSPRA) is t prvide

More information

ADSENSE AND ADWORDS With Affiliate Marketing Training Program

ADSENSE AND ADWORDS With Affiliate Marketing Training Program ADSENSE AND ADWORDS With Affiliate Marketing Training Prgram We are alive t witness a time when humankind is using cmputer technlgy t push the limits f knwledge and freedm. We cnnect in the digital underwrld

More information

Folder Citation: Collection: Office of Staff Secretary; Series: Presidential Files; Folder: [10/24/80-Not Submitted-DF]; Container 181

Folder Citation: Collection: Office of Staff Secretary; Series: Presidential Files; Folder: [10/24/80-Not Submitted-DF]; Container 181 [10/24/80-Nt Submitted-DF] Flder Citatin: Cllectin: Office f Staff Secretary; Series: Presidential Files; Flder: [10/24/80-Nt Submitted-DF]; Cntainer 181 T See Cmplete Finding Aid: http://www.jimmycarterlibrary.gv/library/findingaids/staff_secretary.pdf

More information

PLAN Date: Constituent Institution: Proposed date of establishment

PLAN Date: Constituent Institution: Proposed date of establishment THE UNIVERSITY OF NORTH CAROLINA NOTIFICATION OF INTENT TO PLAN A NEW BACCALAUREATE, MASTER S PROGRAM, OR C.A.S. PROGRAM THE PURPOSE OF ACADEMIC PROGRAM PLANNING: Planning a new academic degree prgram

More information

By offering the Study Abroad Scholarship, we hope to make your study abroad experience much more affordable!

By offering the Study Abroad Scholarship, we hope to make your study abroad experience much more affordable! Internatinal Educatin Prgrams is pleased t annunce a Study Abrad Schlarship fr Seattle Central Cmmunity Cllege students. The schlarship has been established by the Internatinal Educatin Prgrams divisin

More information

Serving the Underserved: Initiatives to Broaden Access to the Financial Mainstream. Thursday, June 26, 2003 10 A.M.

Serving the Underserved: Initiatives to Broaden Access to the Financial Mainstream. Thursday, June 26, 2003 10 A.M. Testimny f James E. Yung, President & CEO Citizens Trust Bank Atlanta, Gergia Befre U. S. Huse f Representatives Subcmmittee n Financial Institutins and Cnsumer Credit Hearing 2128 Rayburn Huse Office

More information

Revised October 27, 2011 Page 1 of 6

Revised October 27, 2011 Page 1 of 6 Keystne STARS Accreditatin Applicatin Philsphy The Keystne STARS prgram is Pennsylvania s QRIS which began in 2002. There are fur quality levels frm STAR 1 t STAR 4, each level building n the prir levels;

More information

learndirect Test Information Guide The National Test in Adult Numeracy

learndirect Test Information Guide The National Test in Adult Numeracy learndirect Test Infrmatin Guide The Natinal Test in Adult Numeracy 1 Cntents The Natinal Test in Adult Numeracy: Backgrund Infrmatin... 3 What is the Natinal Test in Adult Numeracy?... 3 Why take the

More information

Thank you for your interest in the above post. Please find enclosed the following:

Thank you for your interest in the above post. Please find enclosed the following: September 2015 Dear Applicant Marketing & Events Assistant Thank yu fr yur interest in the abve pst. Please find enclsed the fllwing: a jb descriptin a persn specificatin guidelines n cmpleting the applicatin

More information

MARKETING PLAN BY JESSICA FLETCHER JANUARY 20, 2015

MARKETING PLAN BY JESSICA FLETCHER JANUARY 20, 2015 MARKETING PLAN BY JESSICA FLETCHER JANUARY 20, 2015 TABLE OF CONTENTS GOALS... 3 KEY POINTS... 3 MARKETING AUDIT... 3 MARKET RESEARCH... 4 MARKET ANALYSIS... 4 COMPETITIVE RESEARCH... 4 SPT RESEARCH...5

More information

Making Home Affordable Program Update

Making Home Affordable Program Update Making Hme Affrdable Prgram Update On February 18, the Obama Administratin annunced the Making Hme Affrdable (MHA) Prgram, a cmprehensive plan t stabilize the U.S. husing market. As prmised, tw weeks later

More information

Lost or stolen wallet or checkbook

Lost or stolen wallet or checkbook Identity theft is ne f the fastest-grwing financial crimes in America, accunting fr lsses in the billins f dllars every year. The Federal Trade Cmmissin reprts that 10 millin Americans discvered that their

More information

CREATING A COLLEGE-GOING CULTURE

CREATING A COLLEGE-GOING CULTURE CREATING A COLLEGE-GOING CULTURE Nw that students have cmpleted their applicatins and FAFSA, it is time t keep enthusiasm high in the days and weeks leading up t Cllege Decisin Day. Students wh have expectatins

More information

Southeast Michigan Disaster Recovery Talking Points

Southeast Michigan Disaster Recovery Talking Points Sutheast Michigan Disaster Recvery Talking Pints DR-4195-MI, The majr federal disaster declaratin signed by President Obama n September 25, 2014, ffers Individual and Public Assistance t Sutheast Michigan,

More information

Information for Faith-Based and Community Leaders

Information for Faith-Based and Community Leaders Intrductin Infrmatin fr Faith-Based and Cmmunity Leaders On June 3, 2013, President Obama cnvened a Natinal Cnference n Mental Health at the White Huse. Dzens f cmmitments by rganizatins representing media,

More information

New York City Department of Health and Mental Hygiene 2015 Health Bucks Application Information

New York City Department of Health and Mental Hygiene 2015 Health Bucks Application Information New Yrk City Department f Health and Mental Hygiene 2015 Health Bucks Applicatin Infrmatin Thank yu fr yur interest in the New Yrk City Health Department s Health Bucks prgram. Health Bucks are cupns redeemable

More information

RESOURCES FOR EARLY LITERACY MENTORS/COACHES: Three resources from the Head Start: Steps to Success multimedia kit are now available to download.

RESOURCES FOR EARLY LITERACY MENTORS/COACHES: Three resources from the Head Start: Steps to Success multimedia kit are now available to download. The Child Care Planning Cuncil cmpiled these resurces frm a variety f electrnic newsletters. We have nw cmpiled them by subject. We hpe it is helpful! General Early Childhd Research Databases and Resurces

More information

Identity fraud and theft

Identity fraud and theft Page 1 f 5 Identity theft is when yur persnal details are stlen and identity fraud is when thse details are used t cmmit fraud. Mre abut identity fraud and identity theft Identity fraud can happen when:

More information

CREDIT REPORTING USER GUIDE

CREDIT REPORTING USER GUIDE Suthwest Business Credit Services, User Guide CREDIT REPORTING USER GUIDE Last Mdified: 5/6/14 Last Mdified: 5/6/14 1 Suthwest Business Credit Services, User Guide Table f Cntents Intrductin... 3 Hw T

More information

Survey of State Assisted Living Regulations:

Survey of State Assisted Living Regulations: Executive Summary Survey f State Assisted Living Regulatins: - Assisted Living & Licensing - Staffing and Staff Qualificatins NARA Adult Care Plicy Cmmittee Nvember 13, 2015 March 7, 2015 Natinal Assciatin

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

Exhibit B to Bill No. 110297. Wells Fargo Bank, N.A Fair Lending Plan As Required by City Ordinance No. 100549 June, 2011

Exhibit B to Bill No. 110297. Wells Fargo Bank, N.A Fair Lending Plan As Required by City Ordinance No. 100549 June, 2011 Exhibit B t Bill N. 110297 Wells Farg Bank, N.A Fair Lending Plan As Required by City Ordinance N. 100549 June, 2011 Wells Farg is pleased t respnd t the Annual Lending Study cmmissined by the City f Philadelphia

More information

The ADA: Your Employment Rights as an Individual With a Disability

The ADA: Your Employment Rights as an Individual With a Disability The ADA: Yur Emplyment Rights as an Individual With a Disability The U.S. Equal Emplyment Opprtunity Cmmissin ADDENDUM Since The Americans with Disabilities Act: Yur Respnsibilities as an Emplyer was published,

More information

Leading a Community Towards Healthy Housing

Leading a Community Towards Healthy Housing Leading a Cmmunity Twards Healthy Husing Magaly Angelni, MBA Rhde Island Department f Health June 2008 Tday s Presentatin Gals 1. Define healthy husing 2. Describe the Rhde Island experience 3. Share lessns

More information

Ad Hoc Dental Technical Work Group October 16, 2014

Ad Hoc Dental Technical Work Group October 16, 2014 Ad Hc Dental Technical Wrk Grup Octber 16, 2014 AGENDA Ad Hc Dental Technical Wrk Grup Meeting and Webinar Thursday Octber 16, 2014, 12:00-3:00 p.m. Agenda Items Suggested Time 1. Welcme & Agenda Review

More information

Health Plan Business Plan

Health Plan Business Plan Health Plan and Business Plan 2013-20162016 Better Quality, Better Outcmes, Better Value The Path Frward Alberta Health Services Health Plan and Budget Plan 2013-2016 represents the beginning f significant

More information

Prepaid Phones Dealers - How to become one?!

Prepaid Phones Dealers - How to become one?! Prepaid Phnes Dealers - Hw t becme ne?! Mbile phne distributrs are a critical part f a prepaid wireless prvider's success! D yu want t becme a cell phne distributr? Here yu'll learn abut what it takes

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

SCIENCE FAIR PACKET SCIENCE PROJECT DEADLINES

SCIENCE FAIR PACKET SCIENCE PROJECT DEADLINES SCIENCE FAIR PACKET SCIENCE PROJECT DEADLINES Event 1 st Semester Science 2 nd Semester Science Science Prject Idea Apprval September 27, 2016 Octber 7, 2016 Science Fair Cntract Due Date September 30,

More information

Florida Distance Learning Consortium 1753 West Paul Dirac Drive Tallahassee, FL 32310 V: 850-922-3359 F: 850-922-3109 S: 292-3359

Florida Distance Learning Consortium 1753 West Paul Dirac Drive Tallahassee, FL 32310 V: 850-922-3359 F: 850-922-3109 S: 292-3359 Learning Object Repsitry Funding Summary by State States with Funding 1. Nrth Carlina Learning Object Repsitry (NCLOR) http://www.nclr.its.state.nc.us/nclrprd/lgn.d Status: Nt yet in prductin: test envirnment

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

VENDOR REGISTRATION AND DISCLOSURE STATEMENT AND SMALL, WOMEN-, AND MINORITY-OWNED BUSINESS CERTIFICATION APPLICATION

VENDOR REGISTRATION AND DISCLOSURE STATEMENT AND SMALL, WOMEN-, AND MINORITY-OWNED BUSINESS CERTIFICATION APPLICATION WV-1A New Update REV. 09/18/15 STATE OF WEST VIRGINIA - PURCHASING DIVISION VENDOR REGISTRATION AND DISCLOSURE STATEMENT AND SMALL, WOMEN-, AND MINORITY-OWNED BUSINESS CERTIFICATION APPLICATION Befre a

More information

Creating Your First Year/Semester Student s Group Advising session

Creating Your First Year/Semester Student s Group Advising session 1 Creating Yur First Year/Semester Student s Grup Advising sessin This dcument is meant as a spring bard t get yu thinking abut yur wn grup advising sessins based n yur campus demgraphics. This is nt an

More information

This Toolkit Includes

This Toolkit Includes Fd Drive Tlkit 220 Herndn Street San Marcs, TX 78666 Phne: (512) 392-8300 x230 Fax: (512) 392-5286 Develpment Directr: Ashley Hurst ahurst@haysfdbank.rg Thank yu fr yur interest in supprting the Hays Cunty

More information

A PRACTICAL WORKBOOK

A PRACTICAL WORKBOOK The Rle f the Vice President Public Relatins Public Relatins, Tastmasters and the VP PR A PRACTICAL WORKBOOK By Jhn Jyce DTM MPRII www.spindriftpress.cm Jhn Jyce 2010 Abut the authr Jhn Jyce is a lng standing

More information

SAMPLE PARENT WORKSHOP PLAN AND ANNOTATED AGENDA: PARENT SESSION II

SAMPLE PARENT WORKSHOP PLAN AND ANNOTATED AGENDA: PARENT SESSION II SAMPLE PARENT WORKSHOP PLAN AND ANNOTATED AGENDA: PARENT SESSION II Time 2 Hurs (120 minutes) Objectives 1. Parents will understand hw the Cmmn Cre Learning Standards differ frm traditinal NY educatinal

More information

Colorado Gardener Certificate Training 2015 Application and Training Information

Colorado Gardener Certificate Training 2015 Application and Training Information Clrad Master Gardener sm Prgram Clrad Gardener Certificate Training Clrad State University Extensin Clrad Master Gardener sm Prgram Clrad Gardener Certificate Training 2015 Applicatin and Training Infrmatin

More information

Coordinate with Yellow Ribbon Reintegration Program

Coordinate with Yellow Ribbon Reintegration Program Crdinate with Yellw Ribbn Reintegratin Prgram A DD Prgram fr Supprting Reserve and Natinal Guard Families OVERVIEW The Yellw Ribbn Reintegratin Prgram (YRRP) is a Department f Defense (DD) prgram that

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

Drive More Revenue with Facebook Advertising

Drive More Revenue with Facebook Advertising Drive Mre Revenue with Facebk Advertising 1 Hw T Create Tp-Perfrming Facebk Ads What began as a scial netwrk fr Harvard students in 2004 and sn spread t cllege campuses acrss the cuntry is nw the biggest

More information

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washingtn, D.C. 20549 FORM WB-DEC DECLARATION OF ORIGINAL INFORMATION SUBMITTED PURSUANT TO SECTION 21F OF THE SECURITIES EXCHANGE ACT OF 1934 A. SUBMITTER

More information

DDCSP@NAU 2016 APPLICATION

DDCSP@NAU 2016 APPLICATION DDCSP@NAU 2016 APPLICATION The Dris Duke Cnservatin Schlars prgram at Nrthern Arizna University is a multi-year prgram funded by the Dris Duke Charitable Fundatin that serves t strengthen the cnservatin

More information

CONSTRUCTION INDUSTRIES & MANUFACTURED HOUSING DIVISION

CONSTRUCTION INDUSTRIES & MANUFACTURED HOUSING DIVISION New Mexic Regulatin and Licensing Department 2550 Cerrills Rad Santa Fe, NM 87505 Ph (505) 476-4700 Fax (505) 476-4685 INSTRUCTIONS FOR FILING A COMPLAINT Thank yu fr cntacting The New Mexic Regulatin

More information

POSITION: Palliative Care Registered Nurse Division 1. Coordinator Nursing Services. Nicholson Street, Fitzroy North. DATE: December 2015

POSITION: Palliative Care Registered Nurse Division 1. Coordinator Nursing Services. Nicholson Street, Fitzroy North. DATE: December 2015 POSITION: Palliative Care Registered Nurse Divisin 1 REPORTS TO: LOCATED: Crdinatr Nursing Services Nichlsn Street, Fitzry Nrth DATE: December 2015 ORGANISATIONAL ENVIRONMENT Melburne City Missin (MCM)

More information

FREQUENTLY ASKED QUESTIONS ABOUT MOBILE WEB BANKING

FREQUENTLY ASKED QUESTIONS ABOUT MOBILE WEB BANKING FREQUENTLY ASKED QUESTIONS ABOUT MOBILE WEB BANKING What is Mbile Banking? A service that enables yu t access yur accunt infrmatin, cnduct transfers, and pay and manage yur bill payments frm any mbile

More information

Internal ID: Nisei Student Relocation Commemorative Fund Scholarship Application Academic Year 2015-2016

Internal ID: Nisei Student Relocation Commemorative Fund Scholarship Application Academic Year 2015-2016 Dear Schlarship Candidate, Internal ID: Schlarship Applicatin Academic Year 2015-2016 Welcme t the applicatin. Please read the fllwing instructins carefully befre submitting yur infrmatin. Please remember

More information

UTR Ebook How to get your UTR Number

UTR Ebook How to get your UTR Number UTR Ebk Hw t get yur UTR Number Published by UTR.rg.uk inf@utr.rg.uk 1. What is a UTR Number Table f Cntents 2. Hw t Apply fr a UTR Number 3. What t d if yu have lst yur UTR Number 4. Self emplyed What

More information

RAMS Deposits FAQs RAMS Saver

RAMS Deposits FAQs RAMS Saver 12 May 2012 Accunt Sectin 1. Wh is eligible? Wh can pen a accunt? Yu can pen a accunt if yu satisfy all f the fllwing requirements: Yu are a persnal custmer (nt a business, cmpany r trust) Yu are aged

More information

SUPPORT FOR ALBERTANS AFFECTED BY WILDFIRE. Help in a stressful time.

SUPPORT FOR ALBERTANS AFFECTED BY WILDFIRE. Help in a stressful time. SUPPORT FOR ALBERTANS AFFECTED BY WILDFIRE Help in a stressful time. There are resurces available t help yu and yur lved nes cpe with stress in difficult times. We re here t help. It s nrmal t feel stress.

More information

A Summary of Your Rights Under the Fair Credit Reporting Act

A Summary of Your Rights Under the Fair Credit Reporting Act Para infrmacin en Espanl, visite www.ftc.gv/credit escribe a la FTC Cnsumer Respnse Center, Rm 130-A 600 Pennsylvania Ave. N.W., Washingtn, D.C. 20580. A Summary f Yur Rights Under the Fair Credit Reprting

More information

Section 3 Handout Important Victim Assistance Resources

Section 3 Handout Important Victim Assistance Resources Sectin 3 Handut Imprtant Victim Assistance Resurces Victim Assistance Prgrams There are ver 10,000 victim assistance prgrams in the United States tday. The prgrams that are specific t victims f rape, sexual

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

Supporting Student Veterans

Supporting Student Veterans Supprting Student Veterans Backgrund Mre military veterans reside in Califrnia than anywhere in the natin, and in 2010 11, mre than 44,000 enrlled in a Califrnia Cmmunity Cllege including 8,000 t 10,000

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

Social media guidelines

Social media guidelines Scial media guidelines I. Overview This dcument will prvide yu with basic guidelines n using scial media channels such as Facebk, Twitter r YuTube t reach individuals and families abut hw t prepare fr

More information

MODULE 1. What is entrepreneurship?

MODULE 1. What is entrepreneurship? MODULE 1 What is entrepreneurship? Part 1: Key features f an entrepreneur ENTREPRENEUR - ne wh undertakes an endeavr. This is the meaning f the French wrd entrepreneur. It is really all abut starting smething

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

Delaware State Housing Authority. Delaware First-Time Homebuyer Tax Credit

Delaware State Housing Authority. Delaware First-Time Homebuyer Tax Credit Delaware State Husing Authrity Delaware First-Time Hmebuyer Tax Credit The Delaware First-Time Hmebuyer Tax Credit Team Delaware State Husing Authrity (DSHA) has partnered with Hilltp Securities, Inc.

More information

Part I: Welcome to BoardEffect -- Overview & Online Tour

Part I: Welcome to BoardEffect -- Overview & Online Tour Part I: Welcme t BardEffect -- Overview & Online Tur BardEffect is the leading e-gvernance tl fr missin-based rganizatins. This secure website will allw the Shaping NJ Partnership members t cmmunicate,

More information

Getting to Know You. Lesson Plan

Getting to Know You. Lesson Plan 47 Lessn Plan Objectives: 1. Participants will be able t identify their individual persnality traits. 2. Participants will be able t identify hw their persnality traits impact their chices, their relatinships,

More information

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals Budget Wrkbk This budget wrkbk was cmpiled t help yu find a simple and practical guide fr managing yur mney. Mney management abilities can have a great effect n the degree f satisfactin we gain frm life.

More information

LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014

LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014 LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014 PREPARED BY NELLIS LAW CENTER, 4428 England Ave (Bldg 18), Nellis AFB, Nevada 89191-6505 702-652-5407, Appt. Line 702-652-7531 If yu rent prperty yu

More information

Occupational Therapy

Occupational Therapy Health Prfessins: Occupatinal Therapy Overview f Prfessin Pre-Requisites Applicatin Prcess Timeline Admissin Exam- GRE Additinal Requirements Overview f OT Schl Imprtant Websites Overview f Prfessin: (surce:

More information

THERE IS NO GUARANTEE OF SERVICE BY APPLYING TO REBUILDING TOGETHER AURORA

THERE IS NO GUARANTEE OF SERVICE BY APPLYING TO REBUILDING TOGETHER AURORA Rebuilding Tgether Aurra 37 S River St Aurra, IL 60506 Office Line: (630) 585-7510 Fax Line: (630) 585-7512 Dear Hmewner: Rebuilding Tgether Aurra (RTA) is a safe and healthy husing rganizatin which utilizes

More information

Domain D. Utilizing Patient Activation to Expand Access to Community Based Care for Special Populations Project

Domain D. Utilizing Patient Activation to Expand Access to Community Based Care for Special Populations Project Dmain D. Utilizing Patient Activatin t Expand Access t Cmmunity Based Care fr Special Ppulatins Prject 2.d.i ID Prject Title Implementatin f Patient Activatin Activities t Engage, Educate and Integrate

More information

Certified Financial Planner Board of Standards Senior Financial Exploitation Study

Certified Financial Planner Board of Standards Senior Financial Exploitation Study Certified Financial Planner Bard f Standards Senir Financial Explitatin Study AUGUST 2012 BACKGROUND AND OBJECTIVES Certified Financial Planner Bard f Standards, Inc. (CFP Bard) is a 501(c)(3) nn-prfit

More information

WORKSHOP MANUAL INTRODUCTION. Thanks for your interest in running workshops with young people!

WORKSHOP MANUAL INTRODUCTION. Thanks for your interest in running workshops with young people! WORKSHOP MANUAL Thanks fr yur interest in running wrkshps with yung peple! INTRODUCTION RErights.rg is an nline cmmunity where yung peple are invited t share their insights n their experience f their rights

More information

Invest in US Event Planning Guide

Invest in US Event Planning Guide Invest in US Event Planning Guide The fllwing utline prvides an verview f the key elements needed fr an Invest in US event, including the prgram, attendees, venue cnsideratins and materials needed. Agenda

More information

Important 2015 Date!!! Our home swim meet The Ukiah Dolphins Soroptimist Swim Meet is the weekend of July 24 th.

Important 2015 Date!!! Our home swim meet The Ukiah Dolphins Soroptimist Swim Meet is the weekend of July 24 th. Thank yu fr yur interest in jining the Ukiah Dlphins! Here is ur registratin packet. Please read and fllw these imprtant guidelines as yu cmplete yur packet: Fill ut and turn in every part f the packet

More information

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE POLICY PROPOSAL ON CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE As child care

More information

The Field. Preparation

The Field. Preparation The Field Architectural Engineering Overview The Field - Preparatin - Accreditatin - Day in the Life - Earnings - Emplyment - Career Path Frecast - Prfessinal Organizatins Architectural engineers apply

More information

Connecticut State Department of Education 2014-15 School Health Services Information Survey

Connecticut State Department of Education 2014-15 School Health Services Information Survey Cnnecticut State Department f Educatin 2014-15 Schl Health Services Infrmatin Survey General Directins fr Cmpletin by Schl Nurse Crdinatr/Supervisr This Schl Health Services Infrmatin Survey was designed

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Contents. Extra copies of this booklet are available on the Study Skills section of the school website (www.banbridgehigh.co.

Contents. Extra copies of this booklet are available on the Study Skills section of the school website (www.banbridgehigh.co. Banbridge High Schl Revisin & Examinatins Cntents Hw t Plan Yur Revisin... 2 A sample timetable:... 3 Sample Revisin Timetable... 4 Hw t Create the Right Envirnment: Setting Up My Space... 5 Think Abut

More information

Homeowner s Guide To Assignment of Mortgage Payments Sales

Homeowner s Guide To Assignment of Mortgage Payments Sales Hmewner s Guide T Assignment f Mrtgage Payments Sales America s leading netwrk f nn-traditinal real estate authrities! Sellers that NEED TO SELL a prperty, but CANNOT AFFORD TO, because f the amunt wed,

More information

Best Practices on Monitoring Hotel Review Sites By Max Starkov and Mariana Mechoso Safer

Best Practices on Monitoring Hotel Review Sites By Max Starkov and Mariana Mechoso Safer January 2008 Best Practices n Mnitring Htel Review Sites By Max Starkv and Mariana Mechs Safer Hteliers ften ask HeBS hw they can mnitr the Internet chatter surrunding their htels and whether r nt they

More information