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HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state below. You may search more specifically for a reverse mortgage counselor or if you are facing foreclosure, search for a foreclosure avoidance counselor.
Design and Construction Resources
HUD Design Manual - Fair Housing Guidelines:
www.huduser.org
Select publications on the left
Select alphabetical listing on right
Select "F" for fair housing
Select Design Manual
ANSI - American National Standards Institute
11 West 42nd Street
New York, New York 10036
Can be purchased on-line from a variety of sources; cannot be reproduced
Fair Housing Accessibility First
If you are indigent and cannot afford hospital and medical care, including medications, or basic necessities such as rent, food, and utilities, then the county is required by law to assist you in paying for them. This is a "last resort" program. This means that the county will pay for these services or necessities only if you have no other way of paying for them on a temporary basis. If, for example, you receive Medical Assistance through the state, then that program must pay for your hospital and medical bills.
Esta guía brinda información general acerca de las leyes laborales estatales y federales. Es para ser utilizada únicamente para propósitos de información y no substituye la ley...
If you’re looking for a job, you may see ads for firms that promise results. Unfortunately, some firms may misrepresent their services, promote outdated or fictitious job offerings, or charge high fees in advance for
services that may not lead to a job....
Those desperate to find work can sometimes fall victim to job placement and work-at-home
scams. /// Tips On Avoiding Employment Scams
With prices averaging more than $28,000 for a new vehicle and $15,000 for a used vehicle, most consumers need financing or leasing to acquire a vehicle. In some cases, buyers use “direct lending:” they obtain a loan directly from a finance company, bank or credit union. In direct lending, a buyer agrees to pay the amount financed, plus an agreed-upon finance charge, over a period of time. Once a buyer and a vehicle dealership enter into a contract to purchase a vehicle, the buyer uses the loan proceeds from the direct lender to pay the dealership for the vehicle.
A new car is second only to a home as the most expensive purchase many consumers make. That’s why it’s important to know how to make a smart deal.
Buying a New Car: Buying a New Car Guide
Buying a Used Car: Buying a Used Car from a Dealer Guide
For the same guides in Spanish/Espanol, please view the attachments below.
The following simple steps will help you determine how much car insurance you need to carry. And it will also help you get the best coverage at the lowest price. If you are confused about any of the terms we use, be sure to review the glossary in "Little-Known but Important Insurance Issues."...
Chances are you rely on your vehicle to get you where you need to go — and when you need to go — whether it’s to work, school, the grocery store, or the soccer field. But if you’re late with your car payments, or in some states, if you don’t have adequate auto insurance, your vehicle could be taken away from you...
OK, so you can no longer afford your car. What to do? The first idea comes to you after a few intense discussions with your spouse or perhaps after a few beers. “I know, we’ll just give it back.” The next day you call the dealership and tell them why you can’t afford to make payments. Fully expecting to hear from that same understanding salesman that threw in the leather and sunroof at “factory” prices, instead you get the third degree about late fees and penalties.
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