INCHARGE DEBT SOLUTIONS COMPANY OVERVIEW & 2013 ANNUAL REPORT GET INSPIRED

Size: px
Start display at page:

Download "INCHARGE DEBT SOLUTIONS COMPANY OVERVIEW & 2013 ANNUAL REPORT GET INSPIRED"

Transcription

1 INCHARGE DEBT SOLUTIONS COMPANY OVERVIEW & 2013 ANNUAL REPORT GET INSPIRED

2 INCHARGE: A RESPECTED NAME InCharge Debt Solutions is aredited by the Counil On Areditation (COA), an international, independent, nonprofit arediting organization. COA areditation signifies that InCharge maintains the highest standards as a nonprofit redit ounseling ageny. InCharge Debt Solutions has been a BBBaredited business sine 2002 and has earned a rating from the bureau as an A+ provider. This rating signifies that InCharge Debt Solutions meets BBB areditation standards, whih inlude a ommitment to resolving onsumer omplaints. As a HUD-approved housing ounseling ageny, InCharge Debt Solutions is part of the U.S. Government s efforts to reate strong, sustainable, inlusive ommunities and quality affordable homes for all. The Exeutive Offie for United States Trustees (EOUST) has approved InCharge Debt Solutions to issue ertifiates evidening ompletion of the Pre-Filing Bankrupty Courses Credit Counseling and the Pre-Disharge Debtor Eduation ourse. As a member of the National Foundation for Credit Counseling (NFCC), InCharge Debt Solutions is part of a nationally-reognized organization of nonprofit agenies with high standards, ethial praties, ertified ounselors, and poliies whih help onsumers ahieve finanial stability. Proud Member of: A Trusted Soure for the Media:

3 PRESIDENT S MESSAGE In 2013, we reognized the role inspiration plays in the lives of our staff and lients, and ramped up our efforts to inspire and be inspired. From helping our telephone ounselors onnet with allers, to sharing motivational messages in soial media, we are inspiring people to take the leap toward lasting finanial health. We aim to hange lives but realize that it takes more than a simple phone all, a new budget, and finanial literay eduation. It s about onnetion and momentum. Get Inspired is about believing that tomorrow an be a better day and doing what you need to do to make it so. This year, we ve inspired our Florida neighbors to onnet with grants and programs that make homeownership a reality. We ve provided Habitat for Humanity program partiipants with the finanial literay knowledge required to sustain a mortgage, but beyond that - we ve inspired a newfound onfidene and the pride that omes with alling oneself a homeowner. Sad stories are ommonly heard by our bankrupty ounselors: death in the family, medial issues, divore, long-term unemployment If anyone needs a dose of inspiration, it s our bankrupty lients, whih is why our team works hard to inspire hope and why all pre-disharge lients reeive a opy of the ebook, Life after Bankrupty. Our redit ounseling department worked hard this year to improve aess to our programs and servies, overhauling our website and lient management system to make them aessible anytime, anywhere, on any devie. As we move to a world where problems are solved on the go, InCharge is up to the hallenge. OTHER IMPORTANT ACCOMPLISHMENTS: Upgraded our phone system for more effetive ommuniation with ustomers and employees Produed and distributed 25,000 opies of Defending Your Home, a housing guide for the military Launhed Hometrek, an online homebuyer eduation ourse Grew our soial media footprint 15-fold, reahing a broader ommunity with finanial literay eduation and motivational messages Reahed over 150 eduators from 40 states with Teah Money, a train-the-trainer program designed to improve finanial literay eduation in the lassroom President & CEO

4 OUR SERVICES We strive to deliver the highest quality ounseling and eduational servies to onsumer groups inluding military families, students, teahers, employers and employees. BUDGET & CREDIT COUNSELING: Professional, ertified ounselors deliver individual advie on developing budgets, managing money, using redit wisely and building a savings plan. DEBT MANAGEMENT PROGRAMS (DMP): InCharge DMPs are a debt onsolidation alternative that onsolidates lient redit bills into one monthly payment and pays debt faster through lower interest rates. HOUSING COUNSELING: InCharge is approved by HUD to help onsumers with their housing needs. For forelosure lients, trained and ertified ounselors review the individual s situation and provide advie on available short- and long-term solutions. InCharge also provides homebuyer eduation that inludes pre-purhase eduation, training and assistane. BANKRUPTCY COUNSELING & EDUCATION: InCharge is approved to issue bankrupty ertifiates for Pre- File redit ounseling and the Pre-Disharge debtor eduation ourse. InCharge and its affiliates have provided over 1 million bankrupty ourse sessions sine FINANCIAL LITERACY EDUCATION: InCharge understands that there is no one size fits all path to finanial literay; programs are ustomized to the speifi needs of students, teahers, the military, debt-distressed and low-inome lients. InCharge teahes personal finane through in-person workshops, online ourses, webinars, printed and eletroni books, newsletters and through an extensive library of artiles and tools available on InCharge.org. INCHARGE 2013 FAST FACTS Web Visits... 1,134,200 17% MIDWEST Phone Calls (1st time Credit Counseling)... 40,683 39% SOUTH Budget/Credit Counseling Sessions... 44,534 21% WEST 23% NORTHEAST FEES FOR 59% SERVICE 41% CREDITOR AND GRANTS Bankrupty Sessions...71,102 CONTRIBUTIONS Housing Counseling Sessions...8,618 Counseling Programs Split 86% CREDIT COUNSELING 9% BANKRUPTCY 4% HOUSING 1% OTHER Client Servie by Region 21% WEST 15% 23% 70% COUNSELOR/CLIENT SERVICES NORTHEAST & PROGRAM SUPPORT 17% MIDWEST 5% 39% EDUCATION & OUTREACH SOUTH ADMINISTRATIVE 10% HARD/SOFTWARE SUPPORT ST 39% SOUTH Community Workshops/Seminars % FEES FOR Attendees Eduated SERVICE (workshops/seminars) Military Transition Guidebooks (printed) distributed... 25,000 Total Number Of ebooks Downloaded...5,408 COUNSELING Credit Card Debt Repaid by InCharge Clients...$123,136,325 41% CREDITOR CONTRIBUTIONS AND GRANTS 86% CREDIT 9% BANKRUPTCY 4% HOUSING 1% OTHER Employee Funtion Split 21% WEST 15% 23% 70% COUNSELOR/CLIENT SERVICES & NORTHEAST PROGRAM SUPPORT 17% MIDWEST 5% 39% EDUCATION & OUTREACH SOUTH ADMINISTRATIVE 10% HARD/SOFTWARE SUPPORT Funding Soures FEES FOR 59% SERVICE 41% CREDITOR CONTRIBUTIONS AND GRANTS 86% CREDIT COUNSELING

5 CLIENT DEMOGRAPHICS 43 % MARRIED 33 % AGE % FEMALE 37 % COLLEGE DEGREE OUR MOST LIKELY CLIENT Is a FEMALE between who is MARRIED with A COLLEGE DEGREE and who RENTS her residene 46 % RENTS CLIENT AGE: % % % % % % CLIENT MARITAL STATUS: Married...43% Single...39% Sep./Div...16% Widowed... 2% CLIENT ACCESS: Yes...96% No... 4% CLIENT GENDER: Female...66% Male...34% INCOME VS CREDIT CARD DEBT AVERAGE INCOME $36,170 DEBT % OF INCOME 51 % DEBT AVERAGE CC DEBT $18,550 CLIENT DEBT CAUSE: Poor Money Management...44% Redued Inome... 41% Medial Expenses... 7% Divore/Separation... 7% Death in Family... 1% CLIENT EDUCATION: BA/BS/M/Ph.D... 37% Some College/Still Student... 31% Some Shool/H.S...29% Teh./Other/Unknown... 3% CLIENT HOUSING: Rent...46% Own...40% Live with Friends/Family...14%

6 This workshop really made me think. I learned the importane of budgeting and why I should pay off my loans quikly. I also loved the opportunity to see what perent of my monthly inome should go to ertain expenses. Ashley INCHARGE FINANCIAL LITERACY INITIATIVES InCharge Debt Solutions, along with affiliate InCharge Eduation Foundation, is ommitted to the development and deployment of a wide range of eduational resoures to foster finanial literay among target onsumer groups. Finanial literay workshops are onduted in partnership with many organizations. In 2013, InCharge partiipated in over 120 ommunity workshops and onferenes, touhing more than 3000 people. SCHOOLS TEACH MONEY InCharge s Teah Money is a program designed to provide finanial literay eduation to future teahers. In-lass workshops prepare the next generation of teahers to inlude appropriate finanial literay ontent into their urriulum, as well as firm up their own finanial onfidene and ompetene. Finanial Literay Workshops for AVID Welome to Be InCharge of Your Future, an in-person workshop series designed for Central Florida eighth grade AVID students. In our workshops, we plant seeds. This is how you get a job in high shool. This is how to open a no-fee bank aount. This is what you ould save, if you tried. This is what ollege osts. This is how you set finanial goals. Eighth grade is the right time to start ollege pre-planning. Be InCharge is about putting a plan together, asking important questions and getting students and families exited about the future. Through interative workshops, we enourage students to ompare ollege osts, researh sholarship opportunities, learn the differene between loans and grants, and put a plan in plae to not just attend ollege, but afford ollege. Workshop Topis Inlude: Paying for College Your First Job Bank Aounts and Credit Cards Budgeting & Money for Your Life Learn Money AVID Flyer Deades of College Dreams Beause telling our hildren to go to ollege is not enough. We have to show them how to do it, without taking out a life sentene in loans. Florida s ollege drop-out rate: 45 % Number one reason: Cost LEARN MONEY CELL PHONE ECONOMICS SECTION 1 - COMPARISON SHOPPING PLAN A 2-year ontrat Phone Cost: $ mins per month w/unlimited Nights & Weekends: $39.00/mo. Unlimited Texting: $15.00/month 1 time Ativation Fee: $36.00 Unlimited Data Plan: $30.00/month Phone features: Smart phone, amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: PLAN C Pay as you go Phone ost: $19.99 $10.00 for every 100 minutes 5 ents for eah inoming & outgoing text msg. Phone features: Talk and text only No amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: PLAN B 2-Year ontrat Phone Cost: Free Unlimited Text & Talk: $59.00/month Data: $29.00/month 1 time Ativation Fee: $0.00 Phone features: Smart phone, amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: PLAN D Pay as you go Phone ost: $ Ativation fee: $0.00 Monthly Fee: $45.00 Unlimited talk, text and data Phone features: Smart phone, amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: SECTION 2 NEEDS VS WANTS Teah Money: Cell Phone Eonomis Worksheet CELLPHONE FEATURES NEED WANT Talk Low texting Moderate texting Unlimited texting Data plan InCharge supports Florida s Orange County Publi Camera Shools by providing free International alling GPS Learn Money finanial literay workshops to eighth grade students in the App ompatible MP3 player AVID program (Advanement Via Individual Determination) that teah finanial pre-planning for ollege. Topis inlude: paying for ollege, your first job, bank INCHARGE.ORG 1 aounts and redit ards, budgeting and money to fuel your dreams. About InCharge Debt Solutions: InCharge Debt Solutions is a 501()(3) nonprofit organization based in

7 COMMUNITY MILITARY DEFENDING YOUR HOME InCharge and Military Money published and distributed 25,000 printed opies of Defending Your Home. Owning a home has long been the Amerian Dream, but with frequent moves and deployment, is this dream attainable for the military? What about VA loans? How an a servie member protet his or her home from forelosure ation while deployed? These and more questions are answered in this guide, whih provides helpful tips, real-life examples and a robust resoures guide for those needing more information. InCharge Members at Habitat For Humanity Projet HABITAT FOR HUMANITY InCharge leads Finanial Literay Workshops for Habitat for Humanity. This 10-part workshop series helps home reipients through eduation on goal-setting, budgeting and the finanial responsibilities of homeownership. Defending Your Home INCHARGE FINANCIAL LITERACY AFFILIATIONS Goodwill of Central Florida Amerian Legion SunTrust Bank of Ameria Fairwinds Credit Union Habitat for Humanity Lighthouse of Central Florida Polk Works Center University of Florida Military (Ft. Bragg, Ft. Knox) Jump$tart (Florida and National Coalitions) Navy-Marine Corps Relief Soiety Orange County Publi Shool Distrit Congressional Offies Ally Finanial Wells Fargo Bank, N.A. University of Central Florida ORGANIZATION MEMBERSHIPS Downtown Orlando Partnership Rollins College Philanthropi & Nonprofit Leadership Center Florida Prosperity Partnership West Orange Chamber of Commere Hispani Chamber of Commere Better Business Bureau Orlando Regional Chamber of Commere INCHARGE GETS SOCIAL In 2013, InCharge stepped up its efforts in soial media, growing Faebook followers 15-fold. Through soial media, InCharge s finanial literay and inspirational ontent is now reahing 1.5 million people a day. InCharge is also ative on Twitter, Pinterest, Instagram, Google+ and Foursquare.

8 A friend on your program told me about InCharge and it has hanged my life! I had over $20k in redit ard debt, and in a little over 4 years, it is ALL paid off. I ould have NEVER done this without your help. I tell everyone I know! Sophie BUDGET AND CREDIT COUNSELING Debt-Burdened Consumers Need a Reliable Counseling Partner They Can Trust InCharge Debt Solutions is ommitted to providing high quality, unbiased, professional and free ounseling to people trying to weather the high-debt storm. InCharge ounselors and ustomer support staff make up over 80% of our employees. Counselors are ertified, experiened and arefully trained and monitored. Budget and redit ounseling is the first step for debt-burdened individuals and families toward getting relief and getting their life bak on trak.

9 INCHARGE INTERACTED WITH OVER 1 MILLION PEOPLE IN InCharge lients paid bak more than $123 million in redit ard debt in 2013 alone. InCharge websites drew over 1.1 million visits and ounselors fielded more than 40,000 phone alls. 80% of the InCharge team work in ounseling, lient servies or program support. In 2013, we ontinued to improve and expand lient servies to improve the quality of the ustomer experiene. The ertified ounseling team ompleted over 44,000 sessions. INCHARGE INNOVATIONS IN 2013 NEW CLIENT MANAGEMENT TOOL MOBILE WEBSITE NEW WEBSITE DESIGN INCHARGE MEETS TRUST REQUIREMENTS: Areditation by third-party organizations (COA, BBB A+) Certified redit ounselors Nonprofit 501()(3) Reasonable fees Comprehensive ounseling; lient learns about all available options and makes hoie on best option for their situation CREDIT COUNSELING FEATURES: Phone, fae-to-fae and 24/7 web-based onsumer redit ounseling Mobile website for smart phone lients English and Spanish language websites with live hat Counseling in Spanish and English Free redit ounseling and budget development BENEFITS: Pay off debt faster Do on their own time shedule Lowered monthly payments Redued interest rates Waived late or over-limit fees Eduate lient about - and offer - alternate solutions Provide Debt Management Programs (DMPs) Advaned online redit ounseling program Vast eduational resoures to help lient learn for life Colletion alls redued Learn how to re-establish redit Use eduational resoures or get ounseling in preferred language Aess by PC, land phone, mobile devie or in-person

10 I ve been approved for the loan modifiation. I m on loud nine! The new mortgage payment is within what I an afford. You have no idea what an important part you played in helping me stay strong and ontinue fighting for what I wanted. Thank you from the very bottom of my heart for all your wise ounsel and your extraordinary kindness. Roberta HOUSING COUNSELING & EDUCATION In 2013, we were ommitted to assisting families and rebuilding ommunities. HOMEBUYER EDUCATION: Through eduation, families purhase homes they an afford to buy and maintain, resulting in long-term suessful ownership. InCharge s 8-hour Homebuyer Eduation Program is designed to set the right home ownership expetation for lass partiipants and provide them with the tools, knowledge and resoures to buy right, and maintain their home. HOMETREK: To improve aess to pre-purhase eduation, InCharge launhed Hometrek, an online HUD-approved homebuyer eduation ourse. Sine its launh in Marh 2013, 3,464 students have ompleted the pre-purhase homebuyer eduation ourse. FORECLOSURE PREVENTION: InCharge worked with over 10,900 homeowners in desperate need of alternative solutions to forelosure. InCharge ounselors stayed urrent on all available options, onduted publi outreah ampaigns, researhed loal trends and supported loal forelosure intervention efforts. PRE-PURCHASE COUNSELING: InCharge s Certified Housing Counselors have been trained to provide potential borrowers with omprehensive one-on-one ounseling that overomes hallenges that might bar them from homeownership. Eah family is guided through the development of a solid budget and savings strategy; omplete review of their redit report, and reation of a ustomized ation plan with speifi, manageable steps. Are you unemployed? Se Habla Español Nonprofit NEED HELP WITH YOUR MORTGAGE PAYMENT? ACT NOW TO TAKE CONTROL OF YOUR HOME AND FINANCES Are you underemployed? Are you onsidering a short sale? Have you failed to obtain a loan modifiation? Are you having hallenges renegotiating the terms of your mortgage with your lender? Register for our Free Forelosure Prevention Workshop. Call Forelosure Prevention Flyer

11 AFFILIATION AND PARTNERSHIP INITIATIVES: PRINCIPAL REDUCTION PROGRAM: Florida Housing Finane Corporation administered the roll out of this program in September The program is designed to provide eligible homeowners with up to 50k to redue their prinipal balane. InCharge was one of many HUD approved agenies hosen to assist borrowers in determining their eligibility for this program. WELLS FARGO & NEIGHBORWORKS AMERICA: InCharge was seleted as the lead ageny partnering with Wells Fargo and NeighborWorks Ameria to failitate the Orlando NeighborhoodLIFT program. This Down Payment Assistane (DPA) program, funded by the Wells Fargo Foundation, is designed to provide potential borrowers, purhasing in the ity of Orlando, with up to $25,000 in funds. NEIGHBORHOODLIFT: In 2013, we helped over 400 home buyers determine their eligibility for up to $25,000 in Down Payment Assistane. More than half were suessful in ahieving home ownership through this generous program. HABITAT FOR HUMANITY: InCharge supports the H4H mission by providing eduation and housing resoures to Habitat borrowers. Our mutual objetive is to help very low and low inome persons aquire and maintain a habitat in a safe ommunity/environment. FREDDIE MAC: InCharge served as the sole failitator for the Borrower Help Network, providing assistane to Freddie Ma ustomers faing ertain or imminent default on their homes. InCharge met the hallenge of not only identifying forelosure prevention alternatives for Freddie Ma home owners, but also onduting ounseling sessions to address total finanial well-being. INCHARGE SINCERELY APPRECIATES THE SUPPORT & PARTNERSHIPS OF THE FOLLOWING ORGANIZATIONS: Bank of Ameria Community Legal Aid Servies Countless Real Estate Professionals & Mortgage Brokers D.R. Horton Experian Fifth Third Bank Freddie Ma Genworth Mortgage Insurane Radian Private Mortgage Insurane SunTrust J.P. Morgan Chase

12 Hello. We are writing to tell you we firmly believe that your ourses should be offered in EVERY high shool aross the nation. (It should be) A requirement before being able to graduate. We both found all of the information inredibly helpful, espeially the pre-disharge ourse we just ompleted. Jason & Yvonne BANKRUPTCY COUNSELING & EDUCATION As a nonprofit 501()(3) organization, InCharge Debt Solutions offers the required pre-file redit ounseling and pre-disharge ourse for a nominal fee. InCharge knows that sometimes bankrupty is the best or only option available to those struggling with debt problems. For lients onsidering bankrupty, InCharge offers a wealth of information in the form of many insightful artiles about the law, the short- and long-term ramifiations of bankrupty, what rights lients have, et. For lients who are going through bankrupty, InCharge has been approved to issue ertifiates evidening ompletion of the Pre-Filing Credit Counseling and the Pre-Disharge Debtor Eduation ourse in ompliane with the Bankrupty Code (approval does not endorse or assure the quality of a Provider s servies).

13 NEW LOWER PRICING InCharge is proud to introdue new lower priing for Pre-File Credit Counseling (now $25) and Pre-Disharge Debtor Eduation (now $15). We reated a new Attorney Referral list, whih helps onnet lients with attorneys in their area. Pre-Disharge Debtor Eduation has been improved to enhane the user experiene. Attorney Management system provides realtime aess to lient data via personal online dashboard. Chek lient status, view invoies, or print ourse ertifiates. Se Habla Español Nonprofit $ 25 Online Pre-Filing Credit Counseling Bankrupty Counseling $ 15 Online Pre-Disharge Debtor Eduation Why Choose InCharge? Same prie for single & joint filers Online (with live hat) or phone sessions (English or Spanish) Immediate ounseling by ertified staff all U.S.-based FREE e-book upon ompletion of Pre-Disharge ourse Over 1 million ourses provided Pre-File Credit Counseling and Pre-Disharge Debtor Eduation available at PersonalFinaneEduation.om OR Improved PersonalFinaneEduation.om Website InCharge Bankrupty Postard PROGRAM FEATURES: Offer both Pre-Filing & Pre-Disharge required ourses Instant ertifiate delivery Online ourses available 24/7 Telephone ourses in English and Spanish Attorney Management System Online hat mode Free eduational resoures along with free ebook and omputer game upon ourse ompletion CLIENT/ATTORNEY BENEFITS: Single soure for both required ourses Keeps filing on shedule to eliminate paying for re-file fees Clients an omplete at their onveniene Clients reeive servie in preferred language Attorney module automates ertifiate delivery, invoiing and billing Clients learn how to start anew after bankrupty Clients an hat with ounselors as they work through online ourses Attorney Referral Program available Free Credit Booster ebook

14 WHAT OUR CLIENTS SAY... This morning I alled and set up my final payment! I had well over 10k in redit ard debt from when I was out of work. Enrolled in 2007 and now I m done! Without them, it would have taken lose to 50 years due to the extremely high APRs. Thank you InCharge for giving me peae of mind and eduating me along the away! FROM: TRACY I just want to thank you guys so muh for helping me pay off my debt in less than three years! Very easy set up, very fair monthly fee and an exeptionally helpful, respetful and ourteous staff every time I have alled. I am now able to start my new year with one less bill, and I ouldn t be happier. I reommend your ompany to everyone that I know. Thank you again for all of your help!!!! FROM: DINA Wow! I an t tell you how thrilled I am that the debt that weighed me down, stressed me out, and depressed me is paid in full! Thank you for giving me my life bak. FROM: JUDY Thank you to everyone at InCharge! I just made the final payment! My wife and I paid off $59, in 5 years and we are now debt free exept for our home. It would have taken me 47 years to do it on my own. No really, I did the math, 47 years. FROM: LANS THIS IS A WONDERFUL PROGRAM. I HIGHLY RECOMMEND IT!!! -Linda

15 INCHARGE DEBT SOLUTIONS BOARD OF TRUSTEES Rihard Anderson, Ph.D. Chairman of the Board Business Consultant Robert Ruiz, Esq. State of Illinois Workers Compensation Committee Veronia Whitelaw Consumer Credit Exeutive (Retired) Dr. Joseph Chavez President, National Housing Advisory Group, LLC. Peter Kennedy Prinipal, PRM Consulting Group Lonnie M. Ritzer, Esq. Partner, Shapiro Sher Guinot & Sandler Kristen Soles Watkins Meegan, CPA Maxine Sweet Vie President of Corporate Relations Experian North Ameria Patriia A. Wexler Senior Vie President of External Communiations JP Morgan Chase Offiers: Etta W. Money, President & CEO William R. Malseed, Treasurer Jodi L. MGregor, Seretary Rihard Anderson Dr. Joseph Chavez Peter Kennedy Jodi MGregor William Malseed Lonnie Ritzer Robert Ruiz Kristen Soles Maxine Sweet Patriia Wexler Veronia Whitelaw INCHARGE EDUCATION FOUNDATION BOARD OF TRUSTEES Rihard Anderson, Ph.D. Business Consultant Lonnie M. Ritzer, Esq. Partner, Shapiro Sher Guinot & Sandler Offiers William R. Malseed, President Etta W. Money, Treasurer Jodi L. MGregor, Seretary Etta Money President & CEO of InCharge Debt Solutions

16 InCharge BY THE NUMBERS. Number of workshops and seminars onduted 120 in Number of organizations or agenies that aredit, rate, or issue regulatory approval to InCharge Debt Solutions (NFCC, COA, BBB, HUD, EOUST). 3,000 Number of attendees at InCharge finanial literay, housing and other workshops in ,534 Number of redit ounseling sessions delivered by InCharge to its lients in ,102 Number of bankrupty ounseling and eduation sessions ompleted by InCharge lients in ,401,896 Number of lient payments proessed sine ,678,210,397 Amount of total debt our lients have repaid sine NUMBER OF DAYS IN THE YEAR WE CARE ABOUT OUR CLIENTS!

INCHARGE DEBT SOLUTIONS

INCHARGE DEBT SOLUTIONS INCHARGE DEBT SOLUTIONS 2016COMPANY OVERVIEW & 2015 ANNUAL REPORT INCHARGE: A RESPECTED NAME InCharge Debt Solutions is accredited by the Council On Accreditation (COA), an international, independent,

More information

How To Help Someone With A Credit Card

How To Help Someone With A Credit Card INCHARGE DEBT SOLUTIONS PRESIDENT S MESSAGE InCharge Debt Solutions is committed to providing expert help to consumers facing high credit balances, considering or entering bankruptcy, or facing mortgage

More information

Professional Certificate Training in Business Writing

Professional Certificate Training in Business Writing Professional Certifiate Training in Business Writing About Training in Business Writing ZeebraCross Centre for Management Exellene (ZCME) is an initiative of ZeebraCross (Unit of InfousRx Marketing and

More information

Table of Contents. Appendix II Application Checklist. Export Finance Program Working Capital Financing...7

Table of Contents. Appendix II Application Checklist. Export Finance Program Working Capital Financing...7 Export Finane Program Guidelines Table of Contents Setion I General...........................................................1 A. Introdution............................................................1

More information

PROCEEDS OF CRIME (BUSINESS IN THE REGULATED SECTOR) ORDER 2015

PROCEEDS OF CRIME (BUSINESS IN THE REGULATED SECTOR) ORDER 2015 Proeeds of Crime (Business in the Regulated Setor) Order 2015 Artile 1 Statutory Doument No. 2015/0073 Proeeds of Crime At 2008 PROCEEDS OF CRIME (BUSINESS IN THE REGULATED SECTOR) ORDER 2015 Approved

More information

Health Savings Account Application

Health Savings Account Application Health Savings Aount Appliation FOR BANK USE ONLY: ACCOUNT # CUSTOMER # Health Savings Aount (HSA) Appliation ALL FIELDS MUST BE COMPLETED. Missing fields may delay the aount opening proess and possibly

More information

State of Maryland Participation Agreement for Pre-Tax and Roth Retirement Savings Accounts

State of Maryland Participation Agreement for Pre-Tax and Roth Retirement Savings Accounts State of Maryland Partiipation Agreement for Pre-Tax and Roth Retirement Savings Aounts DC-4531 (08/2015) For help, please all 1-800-966-6355 www.marylandd.om 1 Things to Remember Complete all of the setions

More information

BUSINESS PRACTICE BULLETIN The School Board of Broward County, Florida

BUSINESS PRACTICE BULLETIN The School Board of Broward County, Florida PAGE: 1 OF 16 (ECE) GUIDELINES FOR INFANT, TODDLER AND PRE-K PROGRAMS TOPICS IN BULLETIN: I. GENERAL INFORMATION II. CRITERIA FOR OPENING PROGRAM III. ACCOUNTING AND FINANCIAL MANAGEMENT IV. OPERATIONAL

More information

Strategic Plan. Achieving our 2020 vision. Faculty of Health Sciences

Strategic Plan. Achieving our 2020 vision. Faculty of Health Sciences Strategi Plan Ahieving our 00 vision Faulty of Health Sienes Our Values guide our ations Health and Understanding, promoting, and influening the holisti well-eing of self and others Our Vision To e a national

More information

MEMBER. Application for election MEMBER, NEW GRADUATE. psychology.org.au. April 2015

MEMBER. Application for election MEMBER, NEW GRADUATE. psychology.org.au. April 2015 MEMBER Appliation for eletion MEMBER, NEW GRADUATE April 2015 psyhology.org.au MEMBER Belonging to the Australian Psyhologial Soiety (APS) means you are part of an ative, progressive organisation whih

More information

Board Building Recruiting and Developing Effective Board Members for Not-for-Profit Organizations

Board Building Recruiting and Developing Effective Board Members for Not-for-Profit Organizations Board Development Board Building Reruiting and Developing Effetive Board Members for Not-for-Profit Organizations Board Development Board Building Reruiting and Developing Effetive Board Members for Not-for-Profit

More information

Henley Business School at Univ of Reading. Chartered Institute of Personnel and Development (CIPD)

Henley Business School at Univ of Reading. Chartered Institute of Personnel and Development (CIPD) MS in International Human Resoure Management (full-time) For students entering in 2015/6 Awarding Institution: Teahing Institution: Relevant QAA subjet Benhmarking group(s): Faulty: Programme length: Date

More information

Henley Business School at Univ of Reading. Pre-Experience Postgraduate Programmes Chartered Institute of Personnel and Development (CIPD)

Henley Business School at Univ of Reading. Pre-Experience Postgraduate Programmes Chartered Institute of Personnel and Development (CIPD) MS in International Human Resoure Management For students entering in 2012/3 Awarding Institution: Teahing Institution: Relevant QAA subjet Benhmarking group(s): Faulty: Programme length: Date of speifiation:

More information

INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS

INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS Virginia Department of Taxation INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS www.tax.virginia.gov 2614086 Rev. 07/14 * Table of Contents Introdution... 1 Important... 1 Where to Get Assistane... 1 Online

More information

London Metropolitan Business School

London Metropolitan Business School North Campus London Metropolitan Business Shool Publi Relations Single Honours Degree Course Handbook For admission to Certifiate Level in 2011-2012 PBR4N Undergraduate Aademi Year 2011-2012 AUTUMN SEMESTER

More information

prepayment / change of prepayment 1) Seafaring

prepayment / change of prepayment 1) Seafaring APPLICATION FOR PREPAYMENT AND FOR CHANGE IN WITHHOLDING TAX PERCENTAGE 2016 This form is for individual taxpayers, businesses or self-employed, farmers or partners in partnership for appliations for a

More information

Entrepreneur s Guide. Starting and Growing a Business in Pennsylvania FEBRUARY 2015. newpa.com

Entrepreneur s Guide. Starting and Growing a Business in Pennsylvania FEBRUARY 2015. newpa.com Entrepreneur s Guide Starting and Growing a Business in Pennsylvania FEBRUARY 2015 newpa.om The Entrepreneur s Guide: Starting and Growing a Business in Pennsylvania was prepared by the Pennsylvania Department

More information

TRENDS IN EXECUTIVE EDUCATION: TOWARDS A SYSTEMS APPROACH TO EXECUTIVE DEVELOPMENT PLANNING

TRENDS IN EXECUTIVE EDUCATION: TOWARDS A SYSTEMS APPROACH TO EXECUTIVE DEVELOPMENT PLANNING INTERMAN 7 TRENDS IN EXECUTIVE EDUCATION: TOWARDS A SYSTEMS APPROACH TO EXECUTIVE DEVELOPMENT PLANNING by Douglas A. Ready, Albert A. Viere and Alan F. White RECEIVED 2 7 MAY 1393 International Labour

More information

Suggested Answers, Problem Set 5 Health Economics

Suggested Answers, Problem Set 5 Health Economics Suggested Answers, Problem Set 5 Health Eonomis Bill Evans Spring 2013 1. The graph is at the end of the handout. Fluoridated water strengthens teeth and redues inidene of avities. As a result, at all

More information

26 th Annual Summer Seminar for Language Teachers

26 th Annual Summer Seminar for Language Teachers The California Language Teahers Assoiation and The California World Language Projet s 26 th Annual Summer Seminar for Language Teahers Common Core, World Readiness and Interulturality: The Passport to

More information

THE UNIVERSITY OF TEXAS AT ARLINGTON COLLEGE OF NURSING. NURS 6390-004 Introduction to Genetics and Genomics SYLLABUS

THE UNIVERSITY OF TEXAS AT ARLINGTON COLLEGE OF NURSING. NURS 6390-004 Introduction to Genetics and Genomics SYLLABUS THE UNIVERSITY OF TEXAS AT ARLINGTON COLLEGE OF NURSING NURS 6390-004 Introdution to Genetis and Genomis SYLLABUS Summer Interession 2011 Classroom #: TBA and 119 (lab) The University of Texas at Arlington

More information

SCHEME FOR FINANCING SCHOOLS

SCHEME FOR FINANCING SCHOOLS SCHEME FOR FINANCING SCHOOLS UNDER SECTION 48 OF THE SCHOOL STANDARDS AND FRAMEWORK ACT 1998 DfE Approved - Marh 1999 With amendments Marh 2001, Marh 2002, April 2003, July 2004, Marh 2005, February 2007,

More information

Information Security 201

Information Security 201 FAS Information Seurity 201 Desktop Referene Guide Introdution Harvard University is ommitted to proteting information resoures that are ritial to its aademi and researh mission. Harvard is equally ommitted

More information

Using Live Chat in your Call Centre

Using Live Chat in your Call Centre Using Live Chat in your Call Centre Otober Key Highlights Yesterday's all entres have beome today's ontat entres where agents deal with multiple queries from multiple hannels. Live Chat hat is one now

More information

INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS

INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS Virginia Department of Taxation INCOME TAX WITHHOLDING GUIDE FOR EMPLOYERS www.tax.virginia.gov 2614086 Rev. 01/16 Table of Contents Introdution... 1 Important... 1 Where to Get Assistane... 1 Online File

More information

Retirement Option Election Form with Partial Lump Sum Payment

Retirement Option Election Form with Partial Lump Sum Payment Offie of the New York State Comptroller New York State and Loal Retirement System Employees Retirement System Polie and Fire Retirement System 110 State Street, Albany, New York 12244-0001 Retirement Option

More information

Transfer of Functions (Isle of Man Financial Services Authority) TRANSFER OF FUNCTIONS (ISLE OF MAN FINANCIAL SERVICES AUTHORITY) ORDER 2015

Transfer of Functions (Isle of Man Financial Services Authority) TRANSFER OF FUNCTIONS (ISLE OF MAN FINANCIAL SERVICES AUTHORITY) ORDER 2015 Transfer of Funtions (Isle of Man Finanial Servies Authority) Order 2015 Index TRANSFER OF FUNCTIONS (ISLE OF MAN FINANCIAL SERVICES AUTHORITY) ORDER 2015 Index Artile Page 1 Title... 3 2 Commenement...

More information

BENEFICIARY CHANGE REQUEST

BENEFICIARY CHANGE REQUEST Poliy/Certifiate Number(s) BENEFICIARY CHANGE REQUEST *L2402* *L2402* Setion 1: Insured First Name Middle Name Last Name Permanent Address: City, State, Zip Code Please hek if you would like the address

More information

Affordable Housing Partnership Housing Counseling Program

Affordable Housing Partnership Housing Counseling Program Affordable Housing Partnership Housing Counseling Program ORGANIZATION AND STAFF INFORMATION Name of Organization: Affordable Housing Partnership of the Capital Region Inc. 255 Orange Street Albany, New

More information

MEDICATION MANAGEMENT ASSESSMENT

MEDICATION MANAGEMENT ASSESSMENT MEDICATION MANAGEMENT ASSESSMENT The Mediation Management Assessment provides evidene-based reommendations/standards for Minnesota hospitals in the development of a omprehensive mediation safety program.

More information

The D.C. Long Term Disability Insurance Plan Exclusively for NBAC members Issued by The Prudential Insurance Company of America (Prudential)

The D.C. Long Term Disability Insurance Plan Exclusively for NBAC members Issued by The Prudential Insurance Company of America (Prudential) Plan Basis The D.C. Long Term Disability Insurane Plan Exlusively for NBAC members Issued by The Prudential Insurane Company of Ameria (Prudential) What does it over? The D.C. Long Term Disability Insurane

More information

A Comparison of Service Quality between Private and Public Hospitals in Thailand

A Comparison of Service Quality between Private and Public Hospitals in Thailand International Journal of Business and Soial Siene Vol. 4 No. 11; September 2013 A Comparison of Servie Quality between Private and Hospitals in Thailand Khanhitpol Yousapronpaiboon, D.B.A. Assistant Professor

More information

T HE NATION NOW HAS THE BEST OPPORTUNITY indecades

T HE NATION NOW HAS THE BEST OPPORTUNITY indecades A Flexible Benefits Tax Credit For Health Insurane And More Poliymakers have a unique opportunity to do the right thing for the uninsured in a way that ould benefit all Amerians. by Lynn Etheredge ABSTRAiX

More information

A MESSAGE FROM THE CHAIRMAN...

A MESSAGE FROM THE CHAIRMAN... insurane brokers A MESSAGE FROM THE CHAIRMAN........... A MESSAGE FROM THE CHAIRMAN.......... Every single member of MKenzie Ross is part of a team, dediated to both our lients profession. Every single

More information

WINSTON-SALEM STATE UNIVERSITY

WINSTON-SALEM STATE UNIVERSITY FRESHMEN TRANSFER STUDENTS NON-WSSU SECOND DEGREE STUDENTS NON-DEGREE & SUMMER SCHOOL TEACHER CERTIFICATION/LICENSURE READMISSION UNDERGRADUATE INTERNATIONAL WINSTON-SALEM STATE UNIVERSITY MAIL COMPLETED

More information

Main Street. For city officials and staff

Main Street. For city officials and staff Texas Muniipal Retirement System Main Street For ity offiials and staff Volume 17 Number 1 September 2015 TMRS in 2015 In it for the Long Run In July the TMRS Board of Trustees voted to hange the System

More information

What to bring to your first appointment:

What to bring to your first appointment: Tampa Bay Community Development Corporation Housing Counseling Services 2139 N.E. Coachman Road, Suite 1, Clearwater, FL 33765 Phone: (727) 442-7075 (866) 608-3220 (813) 849-1121 Fax: (727) 446-8727 www.tampabaycdc.org

More information

2011 ANNUAL REPORT Fiscal Year 2010-2011

2011 ANNUAL REPORT Fiscal Year 2010-2011 2011 ANNUAL REPORT Fiscal Year 2010-2011 Peter Laroche President & CEO Letter from Board Chair, Charlette Lindell Charlette Lindell CCCS Board Chair Another year has passed and the world of financial counseling

More information

S&P/Case-Shiller Home Price Indices 24%

S&P/Case-Shiller Home Price Indices 24% HOME PRICES CONTINUE STEADY AINS IN MARCH ACCORDIN TO THE S&P/CASE-SHILLER HOME PRICE INDICES NEW YORK, MAY 31, 2016 S&P Dow Jones Indies today released the latest results for the S&P/Case-Shiller Home

More information

i e AT 1 of 2012 DEBT RECOVERY AND ENFORCEMENT ACT 2012

i e AT 1 of 2012 DEBT RECOVERY AND ENFORCEMENT ACT 2012 i e AT 1 of 2012 DEBT RECOVERY AND ENFORCEMENT ACT 2012 Debt Reovery and Enforement At 2012 Index i e DEBT RECOVERY AND ENFORCEMENT ACT 2012 Index Setion Page PART 1 INTRODUCTORY 5 1 Short title... 5

More information

PET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU.

PET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU. PET INSURANCE GIVING YOUR PETS AS MUCH AS THEY GIVE YOU. THEY RE HEALTHIER, YOU RE HAPPIER. ALL PART OF GENERATION BETTER. Give your best mate the best are possible Think of Medibank Pet Insurane like

More information

( Articulatio Agreement. College of Sou bern Maryland. Southern Maryland C minal Justice Academy Police Entrance Le el Training Program

( Articulatio Agreement. College of Sou bern Maryland. Southern Maryland C minal Justice Academy Police Entrance Le el Training Program ...... ' Artiulatio Agreement College of Sou bern Maryland Southern Maryland C minal Justie Aademy Polie Entrane Le el Training Program ...... Artiulation Agreement and Southern Maryland Criminal Justie

More information

Application for Emergency/Minor Home Repair Program City of Coeur d'alene, CDBG Entitlement Program

Application for Emergency/Minor Home Repair Program City of Coeur d'alene, CDBG Entitlement Program FOR OFFICE USE ONLY Date Reeived Appliation omplete By Appliation for Emergeny/Minor Home Repair Program Panhandle Area Counil The City of Coeur d'alene Emergeny/Minor Repair Program is designed to assist

More information

Exempt Organization Business Income Tax Return

Exempt Organization Business Income Tax Return Form For alendar year 2013 or other tax year beginning, and ending. 34 Unrelated business taxable. Subtrat line 33 from line 32. If line 33 is greater than line 32, enter the smaller of zero or line 32

More information

Research Data Management ANONYMISATION

Research Data Management ANONYMISATION ANONYMISATION Sensitive Data Sensitive Data is information overing: The raial or ethni origin of the Data Subjet Politial opinions Religious or other beliefs of a similar nature Membership of trade unions

More information

INSURANCE INTERMEDIARIES (GENERAL BUSINESS) (AMENDMENT) REGULATIONS 2012

INSURANCE INTERMEDIARIES (GENERAL BUSINESS) (AMENDMENT) REGULATIONS 2012 Insurane Intermediaries (General Business) (Amendment) Regulations 2012 Regulation 1 Statutory Doument No. 0735/2012 Insurane At 2008 INSURANCE INTERMEDIARIES (GENERAL BUSINESS) (AMENDMENT) REGULATIONS

More information

2014 State of the Credit Counseling and Financial Education Sector. Delivered by Susan C. Keating. President and CEO

2014 State of the Credit Counseling and Financial Education Sector. Delivered by Susan C. Keating. President and CEO 2014 State of the Credit Counseling and Financial Education Sector Delivered by Susan C. Keating President and CEO National Foundation for Credit Counseling 49 th Annual Leaders Conference Seattle, Washington

More information

Florida Blue has got you covered. Choose your plan. Choose your network.

Florida Blue has got you covered. Choose your plan. Choose your network. overed. Choose your plan. Choose your network. When it omes to your health are overage, you an ount on us. attention and extra support are part of every plan. You hoose features that are most important

More information

SOFTWARE ENGINEERING I

SOFTWARE ENGINEERING I SOFTWARE ENGINEERING I CS 10 Catalog Desription PREREQUISITE: CS 21. Introdution to the systems development life yle, software development models, analysis and design tehniques and tools, and validation

More information

FIFTH JUDICIAL DISTRICT OF TEXAS JUN 0 8 2012 AT DALLAS YIGALBOSCH. Appellant, Vs.

FIFTH JUDICIAL DISTRICT OF TEXAS JUN 0 8 2012 AT DALLAS YIGALBOSCH. Appellant, Vs. L t t ' ' FILED IN IN THE COURT OF APPEALS FOR THECOURT OF APPEALS FIFTH JUDICIAL DISTRICT OF TEXAS JUN 0 8 2012 AT DALLAS YIGALBOSCH Appellant, Vs. LISA MATZ CLERK, 5th DISTRICT CIRRO GROUP, INC. D/B/A

More information

AT 6 OF 2012 GAMBLING DUTY ACT 2012

AT 6 OF 2012 GAMBLING DUTY ACT 2012 i e AT 6 OF 2012 GAMBLING DUTY ACT 2012 Gambling Duty At 2012 Index i e GAMBLING DUTY ACT 2012 Index Setion Page PART 1 INTRODUCTORY 5 1 Short title... 5 2 Commenement... 5 3 General interpretation...

More information

H.E.L.P. COMMUNITY DEVELOPMENT CORP. Foreclosure Counseling Program DOCUMENT CHECKLIST

H.E.L.P. COMMUNITY DEVELOPMENT CORP. Foreclosure Counseling Program DOCUMENT CHECKLIST H.E.L.P. COMMUNITY DEVELOPMENT CORP. Foreclosure Counseling Program DOCUMENT CHECKLIST PLEASE COMPLETE ITEMS 1 AND 2 BELOW AND FAX OR MAIL BACK TO OUR OFFICE. Complete the INTAKE FORMS as thoroughly as

More information

Health service delivery and healing are central to the

Health service delivery and healing are central to the editorial The mission of the Churh in health are Health servie delivery and healing are entral to the mission of the Churh. Jesus Christ whose teahing and example Christians emulate had a ministry that

More information

Customer Reporting for SaaS Applications. Domain Basics. Managing my Domain

Customer Reporting for SaaS Applications. Domain Basics. Managing my Domain Produtivity Marketpla e Software as a Servie Invoiing Ordering Domains Customer Reporting for SaaS Appliations Domain Basis Managing my Domain Managing Domains Helpful Resoures Managing my Domain If you

More information

COMPLETE BLOCKS 6 THRU 10 IF THIS IS AN AMENDMENT Separate transmittal for each amendment. b FFY 2011 9017

COMPLETE BLOCKS 6 THRU 10 IF THIS IS AN AMENDMENT Separate transmittal for each amendment. b FFY 2011 9017 DEPARTMENT OF HEALTH AND HUMAN SERVICES CENTERS FOR MEDICARE MEDICAID SERVICES 1 TRANSMITTAL NUMBER 2 STATE FORM APPROVED OMB NO 09380193 TRANSMITTAL AND NOTICE OF APPROVAL OF STATE PLAN 10031 COLORADO

More information

TECHNOLOGY-ENHANCED LEARNING FOR MUSIC WITH I-MAESTRO FRAMEWORK AND TOOLS

TECHNOLOGY-ENHANCED LEARNING FOR MUSIC WITH I-MAESTRO FRAMEWORK AND TOOLS TECHNOLOGY-ENHANCED LEARNING FOR MUSIC WITH I-MAESTRO FRAMEWORK AND TOOLS ICSRiM - University of Leeds Shool of Computing & Shool of Musi Leeds LS2 9JT, UK +44-113-343-2583 kia@i-maestro.org www.i-maestro.org,

More information

' R ATIONAL. :::~i:. :'.:::::: RETENTION ':: Compliance with the way you work PRODUCT BRIEF

' R ATIONAL. :::~i:. :'.:::::: RETENTION ':: Compliance with the way you work PRODUCT BRIEF ' R :::i:. ATIONAL :'.:::::: RETENTION ':: Compliane with the way you work, PRODUCT BRIEF In-plae Management of Unstrutured Data The explosion of unstrutured data ombined with new laws and regulations

More information

Income Protection CLAIM FORM

Income Protection CLAIM FORM Inome Protetion CLAIM FORM PLEASE COMPLETE THIS APPLICATION IN BLACK PEN ONLY USING BLOCK LETTERS 1 PERSONAL DETAILS Poliy numer Important notes: a This form must e ompleted in full and returned to PO

More information

Picture This: Molecular Maya Puts Life in Life Science Animations

Picture This: Molecular Maya Puts Life in Life Science Animations Piture This: Moleular Maya Puts Life in Life Siene Animations [ Data Visualization ] Based on the Autodesk platform, Digizyme plug-in proves aestheti and eduational effetiveness. BY KEVIN DAVIES In 2010,

More information

From a strategic view to an engineering view in a digital enterprise

From a strategic view to an engineering view in a digital enterprise Digital Enterprise Design & Management 2013 February 11-12, 2013 Paris From a strategi view to an engineering view in a digital enterprise The ase of a multi-ountry Telo Hervé Paault Orange Abstrat In

More information

Findings and Recommendations

Findings and Recommendations Contrating Methods and Administration Findings and Reommendations Finding 9-1 ESD did not utilize a formal written pre-qualifiations proess for seleting experiened design onsultants. ESD hose onsultants

More information

FOOD FOR THOUGHT Topical Insights from our Subject Matter Experts

FOOD FOR THOUGHT Topical Insights from our Subject Matter Experts FOOD FOR THOUGHT Topial Insights from our Sujet Matter Experts DEGREE OF DIFFERENCE TESTING: AN ALTERNATIVE TO TRADITIONAL APPROACHES The NFL White Paper Series Volume 14, June 2014 Overview Differene

More information

Open and Extensible Business Process Simulator

Open and Extensible Business Process Simulator UNIVERSITY OF TARTU FACULTY OF MATHEMATICS AND COMPUTER SCIENCE Institute of Computer Siene Karl Blum Open and Extensible Business Proess Simulator Master Thesis (30 EAP) Supervisors: Luiano Garía-Bañuelos,

More information

2012 Annual Report 11

2012 Annual Report 11 2012 Annual Report 2012 Annual Report 11 10 Simon Property Group, In. Simon Property Group Simon Property Group, In. (NYSE: SPG) is an S&P 100 ompany and the largest real estate ompany in the world. Our

More information

2015 State of the Financial Counseling and Education Sector. Susan C. Keating. President and CEO. National Foundation for Credit Counseling

2015 State of the Financial Counseling and Education Sector. Susan C. Keating. President and CEO. National Foundation for Credit Counseling 2015 State of the Financial Counseling and Education Sector Susan C. Keating President and CEO National Foundation for Credit Counseling 50 th Annual Leaders Conference Indianapolis, Indiana September

More information

Participant Handbook a helpful guide to living and working in the United States

Participant Handbook a helpful guide to living and working in the United States Partiipant Handbook a helpful guide to living and working in the United States Who is Cultural Vistas? Before you arrive U.S. arrival Getting settled U.S. ulture Seeing the U.S. After your program Important

More information

UNIVERSITY AND WORK-STUDY EMPLOYERS WEB SITE USER S GUIDE

UNIVERSITY AND WORK-STUDY EMPLOYERS WEB SITE USER S GUIDE UNIVERSITY AND WORK-STUDY EMPLOYERS WEB SITE USER S GUIDE September 8, 2009 Table of Contents 1 Home 2 University 3 Your 4 Add 5 Managing 6 How 7 Viewing 8 Closing 9 Reposting Page 1 and Work-Study Employers

More information

Representing Alabama s Public Two-Year College System NUR 204 ROLE TRANSITION FOR THE REGISTERED NURSE. Plan Of Instruction

Representing Alabama s Public Two-Year College System NUR 204 ROLE TRANSITION FOR THE REGISTERED NURSE. Plan Of Instruction Alabama Department of Postseonary Euation Representing Alabama s Publi Two-Year ollege System NUR 204 ROLE TRANSITION FOR THE REGISTERED NURSE Plan Of Instrution Effetive Date: 2006 Version Number: 2006-1

More information

Agile ALM White Paper: Redefining ALM with Five Key Practices

Agile ALM White Paper: Redefining ALM with Five Key Practices Agile ALM White Paper: Redefining ALM with Five Key Praties by Ethan Teng, Cyndi Mithell and Chad Wathington 2011 ThoughtWorks ln. All rights reserved www.studios.thoughtworks.om Introdution The pervasiveness

More information

A Holistic Method for Selecting Web Services in Design of Composite Applications

A Holistic Method for Selecting Web Services in Design of Composite Applications A Holisti Method for Seleting Web Servies in Design of Composite Appliations Mārtiņš Bonders, Jānis Grabis Institute of Information Tehnology, Riga Tehnial University, 1 Kalu Street, Riga, LV 1658, Latvia,

More information

Pre-Purchase Counseling Application

Pre-Purchase Counseling Application Pre-Purchase Counseling Application Guidance on purchasing a home and qualifying for downpayment assistance Pre-purchase counseling helps prepare the first-time homebuyer for the home purchase process

More information

WZ Architecture, LP. 245 Vallejo Street San Francisco, CA 94111. 415-705-6214 office 415-705-6215 fax www.wzarc.com.

WZ Architecture, LP. 245 Vallejo Street San Francisco, CA 94111. 415-705-6214 office 415-705-6215 fax www.wzarc.com. WZ Arhiteture, LP 245 Vallejo Street San Franiso, CA 94111 415-705-6214 offie 415-705-6215 fax www.wzar.om WZ Arhiteture WZ Arhiteture is established with the belief that the key of meeting the hallenges

More information

Account Contract for Card Acceptance

Account Contract for Card Acceptance Aount Contrat for Card Aeptane This is an Aount Contrat for the aeptane of debit ards and redit ards via payment terminals, on the website and/or by telephone, mail or fax. You enter into this ontrat with

More information

Strategies for Development and Adoption of ERR in German Ambulatory Care

Strategies for Development and Adoption of ERR in German Ambulatory Care Strategies for Development and Adoption of ERR in German Ambulatory Care Sebastian Duennebeil 1, Ali Sunyaev 1, Jan Maro Leimeister 2, Helmut Krmar 1 1 Department of Informatis 1 Tehnishe Universitat MUnhen

More information

Financial Education for Homeowners

Financial Education for Homeowners Financial Education for Homeowners Tax Time Coalition of Central Ohio MISSION: To provide the central Ohio community with information about, and access to, free, high-quality tax assistance services and

More information

FCC Form 471 Do not write in this area. Approval by OMB 3060-0806

FCC Form 471 Do not write in this area. Approval by OMB 3060-0806 FCC Form 471 Do not write in this area. Approval by OMB 3060-0806 Shools an Libraries Universal Servie Desription of Servies Orere an Certifiation Form 471 Estimate Average Buren Hours per Response: 4

More information

INTAKE FORM. Signature. Signature. Date. Property Address: City: State: CA Zip Code:

INTAKE FORM. Signature. Signature. Date. Property Address: City: State: CA Zip Code: 2560 W Shaw Lane #101 Fresno CA 93711 Ph 559-221-6919 Fax 559-256-1564 info@chcfresno.org INTAKE FORM HUD Approved Agency #84811 Date Property Address: City: State: CA Zip Code: County: Home Phone: Do

More information

Customer Efficiency, Channel Usage and Firm Performance in Retail Banking

Customer Efficiency, Channel Usage and Firm Performance in Retail Banking Customer Effiieny, Channel Usage and Firm Performane in Retail Banking Mei Xue Operations and Strategi Management Department The Wallae E. Carroll Shool of Management Boston College 350 Fulton Hall, 140

More information

FY 2011 Annual Report TALLAHASSEE LENDERS CONSORTIUM

FY 2011 Annual Report TALLAHASSEE LENDERS CONSORTIUM FY 2011 Annual Report TALLAHASSEE LENDERS CONSORTIUM September 30, 2011 Mission Statement Our mission is to make the dream of affordable homeownership a reality by improving people s ability to obtain

More information

AVOIDING FORECLOSURE

AVOIDING FORECLOSURE AVOIDING FORECLOSURE Consolidated Credit 5701 West Sunrise Boulevard Fort Lauderdale, FL 33313 1-800-210-3481 www.consolidatedcredit.org Congratulations on taking this important step to a brighter financial

More information

(b) no moneys forming a part of any such fund shall be invested in any investments other than such as are expressly authorized herein.

(b) no moneys forming a part of any such fund shall be invested in any investments other than such as are expressly authorized herein. at any time held in the Debt Servie Fund may be invested only in Federal Obligations having stated maturities, or being redeemable at the option of the holder thereof at a stated prie and time, not later

More information

Welcome to The Heritage Killenard

Welcome to The Heritage Killenard Welome to The Heritage Killenard We are proud to introdue you to the opulent luxury, sophistiated elegane and impeable hospitality of The Heritage Killenard. A unique, lassial property with a harming harater,

More information

Certificate of Foreign Intermediary, Foreign Flow-Through Entity, or Certain U.S. Branches for United States Tax Withholding and Reporting

Certificate of Foreign Intermediary, Foreign Flow-Through Entity, or Certain U.S. Branches for United States Tax Withholding and Reporting Form W-8MY (Rev. April 2014) Department of the Treasury nternal Revenue Servie Do not use this form for: A A A Certifiate of Foreign ntermediary, Foreign Flow-Through Entity, or Certain U.S. Branhes for

More information

Medical Assistant-Registered Application Packet

Medical Assistant-Registered Application Packet Medial Assistant-Registered Appliation Paket Contents: 1. 651-001...Contents List/SSN Information/Mailing Information...1 page 2. 651-002...Appliation Instrutions Cheklist...2 pages 3. 651-003...Credentialing

More information

Steps to a Home Retention Solution. Required Document Checklist Please verify that you have submitted the following items by checking the box:

Steps to a Home Retention Solution. Required Document Checklist Please verify that you have submitted the following items by checking the box: Steps to a Home Retention Solution Follow these easy steps! 1. Call BCL of Texas and discuss your homeownership situation 2. Have Counselor explain the guidelines, check list, eligibility, and requirements

More information

Metro Interfaith Housing Counseling. Tell Us About Yourself. General Information Primary

Metro Interfaith Housing Counseling. Tell Us About Yourself. General Information Primary Metro Interfaith Housing Counseling 21 New St, Binghamton, NY 13903 Phone: 607.723.0582 Fax: 607.722.8912 Tell Us About Yourself Print clearly. Use additional sheets if necessary. Information provided

More information

FLORIDA POST PURCHASE COUNSELING PROGRAM

FLORIDA POST PURCHASE COUNSELING PROGRAM Phone: (727) 442-7075 Fax: (727) 446-8727 FLORIDA POST PURCHASE COUNSELING PROGRAM Please find enclosed our Foreclosure Prevention and Intervention Program Application. It is important that you complete

More information

CCCS Annual Report 2006/2007

CCCS Annual Report 2006/2007 CCCS Annual Report 2006/2007 595 MARKET STREET, 15TH FLOOR, SAN FRANCISCO, CA 94105 800.777.7526 WWW.CCCSSF.ORG Our Mission By providing comprehensive financial counseling and education, we will help consumers

More information

ru ILllYC UT 3 IMC IrrCRCIYLL3 AND SIMLARITIES BETWEEN CALIFORNIA AND h.tlnols

ru ILllYC UT 3 IMC IrrCRCIYLL3 AND SIMLARITIES BETWEEN CALIFORNIA AND h.tlnols ru ILllYC UT 3 IMC IrrCRCIYLL3 AND SIMLARITIES BETWEEN CALIFORNIA AND h.tlnols Foreward This paper outlines some of the signifiant differenes and similarities between the eletri power environments whih

More information

i e AT 21 of 2006 EMPLOYMENT ACT 2006

i e AT 21 of 2006 EMPLOYMENT ACT 2006 i e AT 21 of 2006 EMPLOYMENT ACT 2006 Employment At 2006 Index i e EMPLOYMENT ACT 2006 Index Setion Page PART I DISCRIMINATION AT RECRUITMENT ON TRADE UNION GROUNDS 9 1 Refusal of employment on grounds

More information

Road Map to a Perinatal Patient Safety Program

Road Map to a Perinatal Patient Safety Program Road Map to a Perinatal Patient Safety Program Perinatal Safety 2012 Minnesota Hospital Assoiation The Perinatal Patient Safety Road Map provides evidene-based reommendations/standards for Minnesota hospitals

More information

Effectiveness of a law to reduce alcohol-impaired driving in Japan

Effectiveness of a law to reduce alcohol-impaired driving in Japan Effetiveness of a law to redue alohol-impaired driving in Japan T Nagata, 1,2 S Setoguhi, 3 D Hemenway, 4 M J Perry 5 Original artile 1 Takemi Program, Department of International Health, Harvard Shool

More information

Price-based versus quantity-based approaches for stimulating the development of renewable electricity: new insights in an old debate

Price-based versus quantity-based approaches for stimulating the development of renewable electricity: new insights in an old debate Prie-based versus -based approahes for stimulating the development of renewable eletriity: new insights in an old debate uthors: Dominique FINON, Philippe MENNTEU, Marie-Laure LMY, Institut d Eonomie et

More information

The Basics of International Trade: A Classroom Experiment

The Basics of International Trade: A Classroom Experiment The Basis of International Trade: A Classroom Experiment Alberto Isgut, Ganesan Ravishanker, and Tanya Rosenblat * Wesleyan University Abstrat We introdue a simple web-based lassroom experiment in whih

More information

Financial Fitness Greater Austin

Financial Fitness Greater Austin Website and Sponsor Name ACCION USA www.accionusa.org/home/small-business-loans/financial-educationresources.aspx Financial Fitness Greater Austin Free Online Financial Resources Description General Financial

More information

Trial Boot Camp. advocacy. critique. tactics cross-examination. Techniques. Zealous. justice proof. evidence. testimony EXCHANGE.

Trial Boot Camp. advocacy. critique. tactics cross-examination. Techniques. Zealous. justice proof. evidence. testimony EXCHANGE. Trial Boot Camp Tehniques skills Zealous EXCHANGE advoay tatis ross-examination STRATEGIES objetions preparation witnesses evidene equality tools persuasion justie proof ritique Holiday Inn Chiago Mart

More information

HOME PRESERVATION BASICS

HOME PRESERVATION BASICS HOME PRESERVATION BASICS - Know what to do and when to do it The current economic crisis has greatly affected the housing industry, and our local community is no exception. This has forced different households

More information

Caught in the Crossfire: The Effects of a Peer-based Intervention Program for Violently Injured Youth

Caught in the Crossfire: The Effects of a Peer-based Intervention Program for Violently Injured Youth JOURNAL OF ADOLESCENT HEALTH 2004;34:177 183 ORIGINAL ARTICLE Caught in the Crossfire: The Effets of a Peer-based Intervention Program for Violently Injured Youth MARLA G. BECKER, M.P.H., JEFFERY S. HALL,

More information