Sentences with phrase «cost financial counseling»

And should you need, BALANCE can assist with confidential, no - cost financial counseling services to help you develop a sensible budget managing spending and debt.

You can also check with your local bank or consumer protection office to see if it has a list of reputable, low - cost financial counseling services available.

They offer free or low - cost financial counseling to help people solve their financial problems.

Or, you can check with your local bank or consumer protection office to see if it has a listing of reputable, low - cost financial counseling services.

Not exact matches

There are several components of cost: preparing plan documents and government filings; obtaining a valuation; administration; and, in a leveraged ESOP, loan commitment fees, legal fees for the lender's counsel and loan documents, and, possibly, financial consulting for structuring the transaction.

THE Australian Tax Office's Reply - in - Five GST response service has broken down - resulting in major confusion and potential financial cost for thousands of small business operators, says CPA Australia's senior tax - counsel Paul Drum.

ICI General Counsel David Blass told California State Treasurer John Chiang in a Thursday letter that the feasibility study, conducted by Overture Financial LLC, fails to fully consider the range of likely events that could raise the costs and undermine the feasibility of the program.

Instead they would receive «practical» assistance from newly - created victim support units who would provide them with access to counselling and help with immediate financial costs.

The Office of Student Financial Planning provides counseling and services designed to help students and their families meet the costs of financing an education at Drake University.

Borrower pays costs of Bureau to hire a financial advisor and legal counsel to evaluate requests for credit assistance

As noted in Chapter 1 and in the Letter of Interest / Draft Application discussion in Section 4 - 1 above, the DOT requires applicants for and recipients of DOT credit assistance to reimburse the Federal Government for its out - of - pocket costs for its outside legal counsel and financial advisors needed to review an applicant's Letter of Interest / Draft Application and application, and to negotiate and close the credit agreement.

During the counseling session, the HUD - approved advisor may touch on the financial implications of a reverse mortgage, compare costs among various lenders, and even propose alternatives to an HECM loan for the individual.

Additionally, the borrower must undergo a counseling assessment with an agency approved by the Department of Housing and Urban Development (HUD), and undergo a financial assessment to ensure the borrower is capable of covering the costs of home maintenance, property taxes, and homeowners insurance.

Some of the criteria established by the NASFAA Monograph include: loan cost, quality of customer service, problem resolution (responsiveness to complaints), lender default rates and lender default aversion efforts (including early intervention), ease of loan certification process, 24/7/365 availability to borrowers, disbursement flexibility, loan products offered (Stafford Loan, Parent PLUS Loan, Grad PLUS Loan, Private Student Loan, Consolidation Loan), borrower preferences for national and local lenders, life of loan servicing, entrance and exit counseling, financial literacy and debt management counseling, clarity and accuracy of lender marketing materials and web site, protection of borrower privacy, response time for processing loan applications, and quality of lender toll free telephone numbers and call centers (e.g., hold times and complexity of phone menus).

To fulfill that mission, MEFA offers financial counseling for college students and their families, low - cost student loans, and college savings plans.

Instructing them on basic budgeting techniques and offering them personally - tailored budgeting tips Providing at no cost a credit counseling session on financial education Teaching them how to reduce their debt

In addition to investment advisory fees, each Fund pays other expenses including costs incurred in connection with the maintenance of securities law registration, printing and mailing prospectuses and Statements of Additional Information to shareholders, certain financial accounting services, taxes or governmental fees, custodial, transfer and shareholder servicing agent costs, expenses of outside counsel and independent accountants, preparation of shareholder reports and expenses of trustee and shareholders meetings.

The Underwriting Agreement between the Trust and Ceros Financial Services Inc. («Ceros») provides that the Registrant agrees to indemnify, defend and hold Ceros, its several officers and directors, and any person who controls Ceros within the meaning of Section 15 of the Securities Act free and harmless from and against any and all claims, demands, liabilities and expenses (including the reasonable cost of investigating or defending such claims, demands or liabilities and any reasonable counsel fees incurred in connection therewith) which Ceros, its officers and directors, or any such controlling persons, may incur under the Securities Act, the 1940 Act, or common law or otherwise, arising out of or based upon: (i) any untrue statement, or alleged untrue statement, of a material fact required to be stated in either any Registration Statement or any Prospectus, (ii) the breach of any representations, warranties or obligations set forth herein, (iii) any omission, or alleged omission, to state a material fact required to be

ACCC has been providing free credit counseling and low - cost financial services to individuals and families since 1991.

Basil's Buddies has a comprehensive list of Michigan and national organizations offering financial assistance, low - cost wellness care, vet care, food banks, and behavioral counseling.

And some defendants are completely deprived of their constitutional right to counsel, putting states at risk for expensive lawsuits on top of the heavy financial burden of unnecessary incarceration costs.

General counsels of large companies and financial institutions are facing significant internal demands to rein in legal costs.

Raji Mangat is counsel with the BC Civil Liberties Association and author of a recent report on the personal, social and financial costs of mandatory minimums.

Cost pressures, always intense for general counsel, have intensified as the financial implications of e-discovery work, which involves scrutinising electronic paper trails and requires armies of associates, hit home.

«The appellant maintains that, by its nature, a tax on criminal defence legal fees will, at some level, be prohibitive or at the very least act as an impediment to or will interfere with the right to counsel since the additional cost of the tax to an accused will interfere with the financial resources available to mount a defence to the charges brought against him or her,» wrote Tax Court of Canada Justice Brent Paris, summing up the firm's case.

In the costs decisions arising from the certification of the class proceedings styled Sankar v. Bell Mobility, Brown v. Canada (Attorney General), Crisante v. DePuy Orthopaedics, Dugal v. Manulife Financial, and Rosen v. BMO Nesbitt Burns Inc., Belobaba noted, in general, the amount of time spent by legal counsel was too high, the volume of material filed with the court was excessive, oral hearings were too long, and counsel over-litigated most issues.

For instance, an increase of $ 1 million in reserve has a huge financial impact on a smaller company, and if counsel isn't quick to inform their client of this change, it could cost them their panel position.

At the Mediation and Collaborative Law Offices of Rosemarie McElhaney, I counsel couples who seek to settle divorce and family law disputes without the extreme emotional and financial costs of protracted litigation.

Some lawyers can, nevertheless, be accused of failing to look beyond the client's balance sheet to the general counsel's position on a human level — having justified to their financial controllers that a claim should be pursued, a GC will be under pressure to deliver a well - managed and cost - effective project.

Illustrate the relationships between cost, financial and business risk, department workload, outside counsel use, and matter status

These recommendations are mostly consistent with the position taken by the intervenor Consumers» Coalition, made up of Winnipeg Harvest, Community Financial Counselling Services and Consumers» Association of Canada (Manitoba Branch), although the Consumers Coalition was unsuccessful in seeking a reduction in the total cost of credit from 17 % to 15 %.

Justice Brown also made a series of orders over the last few years for «additional costs» against Ms A — who could not afford legal counsel — for up to $ 30,000, persuaded that Mr B — who also represented himself some of the time, at other times represented by counsel — had suffered financial hardship as a result of Ms A's behaviour.

Excel in program and organizational planning, with documented success overcoming challenges of limited resources and financial constraints to design high - quality, cost - effective and comprehensive service offerings skills Domestic Violence Certification Life skills counseling Sexual assault victim counseling Organized Culturally - sensitive Medicare and Medicaid applications Skilled community - based case manager

• Provided knowledgeable counseling and student advisement concerning financial aid and eligibility, application procedures, aid programs, costs, indebtedness, money management, financial planning and individualized information addressing needs and situation of the student.

University of Denver, Financial Aid Office, Denver • CO 1991 — 1998 Financial Aid Counselor (1996 — 1998) Financial Aid Documents Supervisor (1991 — 1996) Provided knowledgeable counseling and student advisement concerning financial aid and eligibility, application procedures, aid programs, costs, indebtedness, money management, financial planning and individualized information addressing needs and situation of theFinancial Aid Office, Denver • CO 1991 — 1998 Financial Aid Counselor (1996 — 1998) Financial Aid Documents Supervisor (1991 — 1996) Provided knowledgeable counseling and student advisement concerning financial aid and eligibility, application procedures, aid programs, costs, indebtedness, money management, financial planning and individualized information addressing needs and situation of theFinancial Aid Counselor (1996 — 1998) Financial Aid Documents Supervisor (1991 — 1996) Provided knowledgeable counseling and student advisement concerning financial aid and eligibility, application procedures, aid programs, costs, indebtedness, money management, financial planning and individualized information addressing needs and situation of theFinancial Aid Documents Supervisor (1991 — 1996) Provided knowledgeable counseling and student advisement concerning financial aid and eligibility, application procedures, aid programs, costs, indebtedness, money management, financial planning and individualized information addressing needs and situation of thefinancial aid and eligibility, application procedures, aid programs, costs, indebtedness, money management, financial planning and individualized information addressing needs and situation of thefinancial planning and individualized information addressing needs and situation of the student.

The Chasm Group, LLC and Chasm Institute, LLC (San Bruno, CA) 1997 — 2008 Business Operations Manager • Managed all daily operational tasks for leading multi-million dollar high - tech market strategy consultancy, while providing executive administration to C - level executives and venture capital partners • Developed and managed the firm's annual budget, proposing and implementing expense cuts, producing monthly reports and financial statements, and coordinating with CPA firm for accurate and timely filings • Oversaw all client relationship management efforts while cultivating new business efforts from concept to implementation, providing high - quality service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report generation

The qualified staff at Associates in Counseling & Mediation can assist in estimating cost and planning for payment in a way that doesn't create financial burden.

Capias Capias Mittimus CAPTA (Child Abuse Prevention and Treatment Act) Caption Case Management Cause of Action CEJ (Continuing Exclusive Jurisdiction) Central Authority Certification Certified Divorce Financial Analyst Cestui Que Trust Charge to Jury Child Abduction Child Abuse and Neglect Child Representative Child Support Enforcement Child Support Guidelines Child Support Payment Children's Rights Circuit Court Citation Civil Code Civil Contempt Civil Law Civil Liberties Civil Rights Civil Union Clear and Convincing Evidence Classifications of Law Clerk of the Court COBRA (Consolidated Omnibus Budget Reconciliation Act) Codicil Cohabitation COLA (Cost of Living Adjustment) Collaborative Divorce Collaborative Law Commencement of Action Common Law Common Law Marriage Community Property Competency Complainant Complaint for Divorce Concurring Opinion Condonation Confidential Privilege Conflict of Interest Conjugal Rights Consanguinity Consent Order Conservator Consolidation Constitution Contemnor Contempt of Court Contested Divorce Contingency Fee Continuance Contract Co-Respondent Corroborative Witness Cost Analysis Counsel Counseling Count Counterclaim Court Court Costs Court of Equity Court Order Court Reporter Court Services Officer Covenant Marriage Coverture CRC (Children's Rights Council) Criminal Contempt Cross-Examination Cruel and Abusive Treatment CSRA (Child Support Recovery Act) Custodial Parent Custody Custody Affidavit Custody Evaluation Custody Preference

Outpatient individual counseling, family therapy, support groups, financial education, and no - cost evaluations.

The grants support a wide range of housing initiatives, including housing symposia; home buyer education or housing fairs; counseling and financial literacy efforts; down payment or closing cost financial assistance programs; public opinion surveys; and REALTORS ® affordable housing education.

Additionally, the borrower must undergo a counseling assessment with an agency approved by the Department of Housing and Urban Development (HUD), and undergo a financial assessment to ensure the borrower is capable of covering the costs of home maintenance, property taxes, and homeowners insurance.