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In Project Out-Reach, each of the three ABA entities designates lawyers to work in teams to implement new or enhance existing school-based peer mediation programs. The lawyers agree to help the designated school for at least a full year. Start ABA Project Out-Reach in your community’s schools.
Housing built before 1978 may contain lead-based paint. Lead from paint, paint chips, and dust can pose
health hazards if not managed properly. Lead exposure is especially harmful to young children and pregnant women. Before renting pre-1978 housing, lessors must disclose the presence of known lead-based paint and/or lead-based paint hazards in the dwelling. Lessees must also receive a federally approved pamphlet on lead poisoning prevention.
Simple Steps To Protect Your Family From Lead Hazards.
Payday loans are small cash advances, usually of $500 or less. To get a loan, a borrower gives a payday lender a postdated personal check or an authorization for automatic withdrawal from the borrower’s bank account. In return, he receives cash, minus the lender's fees. For example, with a $300 payday loan, a consumer might pay $45 in fees and get $255 in cash.
Payday lenders are not the only option for consumers facing debt problems.There are many alternatives to payday loans such as: small savings accounts or rainy-day funds; salary advances from employers; credit card advances; working out extended repayment plans with creditors; and loans from friends, relatives, religious institutions, or social service agencies. In addition, many lenders have developed lower-cost alternatives to payday loans that have better repayment terms.
If you happen to be behind on your payday loans and your checks keep bouncing, you may be worried about facing criminal prosecutions. Some “payday” lenders have been known to call and threaten borrowers to “pay or go to jail.” As a result many “payday” loan borrowers are terrified by threats of criminal prosecution. But if you are in this situation, you should not be scared by these “loan shark” threats...
Many older Americans have difficulty meeting their monthly expenses. A fixed income can’t always cover a senior’s needs, particularly unexpected needs associated with medical problems, home and car repairs, or even an old refrigerator that doesn’t work anymore. Unfortunately, there are few resources to help vulnerable seniors get through these hard times. Affordable small loans are hard to come by. As a result, many seniors end up with very high cost small loans, including payday loans...
A loan is borrowed money which must be repaid in one or more payments. Lenders charge interest on the amount you borrow. This means that you pay back more than you receive. This is how a lender covers the cost of doing business and makes profit. The higher the interest rate, the more you must repay. You should know that the lower the monthly payment, the longer it will take you to repay the loan and the more you will pay to borrow the same amount at the same interest rate.
See the attached guides in English and Spanish for more information.
To heighten awareness about lead poisoning prevention, the U.S. Environmental Protection Agency (EPA) has developed Lead in Your Home: A Parent's Reference Guide. The Agency believes this is an essential resource for anyonefrom owners to tenantsconcerned about the dangers of lead in their home and environment. This Guidebook provides Agency recommendations on how you can reduce your familys risk of lead exposure and prevent lead poisoning, ranging from simple steps you can do now to more rigorous procedures that will permanently get rid of lead hazards in your home.
Do you renovate, repair or paint homes or child-occupied facilities built before 1978? If so, you need to know how to work safely with lead-based paint. This guide is designed to help plan for and complete a home renovation, repair or painting
project using lead safe work practices. Lead safe work practices are a group of techniques that reduce the amount of dust produced by renovation activities. When used correctly, they make the work area safer for workers and the home
safe for residents when renovation is complete.
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