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Scammers posing as official counselors. Several Florida men were arrested in August 2. Home Owners Protection Economics Inc., or HOPE, meant to mimic the name of HOPE NOW, a public- private alliance of lenders, nonprofit housing counselors and other mortgage- industry participants. The scammers claimed to be connected with the homeowners' lenders or said they had already been approved for a loan modification under the Home Affordable Modification Program, or HAMP. They demanded an upfront fee for their services. The scammers would tell people that they found violations 9. He told these homeowners to stop making their mortgage payments and to avoid contact with their lenders. A lot of scammers tell people they can guarantee a loan modification or guarantee that they can stop a foreclosure, but unfortunately a guarantee is never possible. Jones warns that some scammers, knowing consumers have been warned against paying an upfront fee, now wait until a second or third meeting before requesting a fee. Homeowners should never pay a fee for loan modification assistance. Government and nonprofit housing counselors provide this service for free. HUD > Program Offices > Housing > Single Family > Housing Counselors > EHLP > HUD Emergency Homeowner Loan Program (EHLP) HUD Office of Housing. Making Home Affordable. Help for America's Homeowners. Avoiding Foreclosure. The Home Affordable Modification Program (HAMP). HAMP is part of the Making Home Affordable program (MHA). Want to know what program participants are saying about applying. Oregon Homeownership Stabilization Initiative. Advising you to stop contacting your lender. In March 2. 01. 2, three scammers were arrested on charges of committing fraud against California homeowners. They were Gregory and Cynthia Flahive, ex- spouses and co- owners of Flahive Law Corporation, and the firm's managing attorney, Mike Johnson. In addition to requiring upfront fees in exchange for loan modification assistance, the Flahives told one homeowner to reject his lender's offer of a loan modification. They told that homeowner that they could get a better deal. Here's a look at who qualifies for a mortgage refinance under President Obama's new home-foreclosure relief plan.Instead, the home was lost to foreclosure within four months. Always talk to your servicer directly. The caller requests a bank routing number or other personal information to . One of the newest is for a scammer to tell the homeowner they will put their money in an escrow account and hold it during the loan modification process. Once the money is in the account, they drain it and disappear. And don't pay a fee for housing counseling. Mass joinder scam. Jones says fake and even legitimate law firms send notices to homeowners, including some who are not in financial distress, that claim the homeowners have been wronged by their lenders and may be eligible for restitution. Anyone who guarantees a loan modification from your lender or guarantees that a foreclosure can be prevented cannot be telling the truth. Reporting a scam. If you believe you are the victim of a mortgage relief scam, you can contact one of the following agencies to report it. BBB. org/us/scam- source. FTC. gov or call (8. Government Mortgage Relief Programs Loan Modification. The purpose of a mortgage loan modification is to get your monthly payment to a more affordable level. An “affordable” mortgage payment is typically defined as 31% of. Obama’s Foreclosure Relief Program Was Designed to Help Bankers, Not. Alice Emile of Freeport, New York, wanted to die at home. On April 24, 2009, she passed away. Prevent. Loan. Scams. HOPENOW. com or (8. Making. Home. 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It's happened to the best of us, it's happened to the worst of us. And when infected, it feels like your world has just fallen apart. Call the doctor and head for the hospital: you've just been infected by a. The most common blunder people make when the topic of a computer virus arises is to refer to a worm or Trojan horse as a virus. The phrases are used interchangeably, but they are not the same thing. One common mistake that. If your computer is giving you nothing but headaches, it might be time to contact an expert for computer repair in Portland. At GeeksAKnockin’, we understand the frustration that accompanies computer problems. Happy99 was described by Paul Oldfield as 'the first virus to spread rapidly by email'. In the Computer Security Handbook, Happy99 is referred to as 'the first modern worm'. Happy99 also served as a template for. 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Send to a friend aiim.org I 301.587.8202 Underwritten in part by: AIIM Market Intelligence. Online Only. For global mineral and material commodities data, see Data Series 8. General Notes. The U. S. Geological Survey (USGS) provides information to the public and to policy- makers concerning the current use and flow of minerals and materials in the United States economy. The USGS collects, analyzes, and disseminates minerals information on most nonfuel mineral commodities. This USGS digital database is an online compilation of historical U. S. The database contains information on approximately 9. U. S. For many of the commodities, data are reported as far back as 1. Each commodity file includes a document that describes the units of measure, defines terms, and lists USGS contacts for additional information. End- use tables complement these statistics by supplying, for most of these commodities, information about the distribution of apparent consumption. At the request of the 4. Congress of the United States (1. Stat. Government began the collection and public distribution of these types of data. The Federal agencies responsible for the collection of the data have changed through time. For the years 1. 88. USGS collected and published these data; the U. S. Bureau of Mines (USBM) performed these tasks from 1. USGS (following the closure of the USBM) (Mlynarski, 1. These companies voluntarily complete about 4. Data are also gathered from site visits, memberships on domestic and international minerals- related committees, and coordination with other government organizations and trade associations. The USGS makes this information available through published products, including monthly, quarterly, and annual Mineral Industry Surveys, the annual Minerals Yearbook (MYB), the annual Mineral Commodity Summaries (MCS), and special mineral commodity studies, including the history of metal prices and materials flow studies. Methodology. The data included in this publication were compiled primarily from publications of the USGS and USBM. The principal references for these data are the annual MYB publication and its predecessor, Mineral Resources of the United States (MR). Other USGS and USBM publications used as references included: Statistical Compendium (SC), Metal Prices in the United States Through 1. MP9. 1), Metal Prices in the United States Through 1. MP9. 8), Metal Prices in the United States Through 2. MCS and its predecessor Commodity Data Summaries (CDS), Minerals Facts and Problems (MFP), and various USBM Information Circulars. In some cases, USGS mineral commodity specialists added previously unpublished or recently revised data to the historical statistics series. The data in these worksheets are standardized to metric tons (t) and dollars per metric ton ($/t) to allow for data comparison among mineral commodities through time. During the 2. 0th century, different units of measure were used: units varied between commodities and even within a commodity through time. Cement, for example, was originally reported in barrels, the industry standard for much of last century, from 1. From the mid- 1. 98. However, some commodities are still reported in units that represent the physical state of the commodity (million cubic meters for helium, a gas) or an industry market unit (carats for diamonds). Data are reproduced as they were published (after the necessary conversions) for production, shipments, imports, exports, reported and apparent consumption, stocks, and end uses. Blank cells in the tables indicate that data were not available or were withheld because the data were proprietary; blank cells are not zero. The worksheet notes accompanying each table indicate whether data were withheld or not available. Apparent consumption is a calculated figure. The general formula for apparent consumption is as follows: Apparent Consumption = Production + Imports - Exports . If both apparent consumption and reported consumption are available, both are reproduced in these reports. When apparent consumption could not be calculated because of withheld data or unavailable data, it was estimated using Microsoft. For most commodities, end- use data are industry reported and are published in the MYB. For several commodities, the end- use data are not available or are of limited reliability. In such cases, data are usually calculated by applying estimated end- use shares (percentages) by category, as reported in the Mineral Commodity Summaries, to apparent consumption. Otherwise, USGS mineral commodity specialists estimated end- use statistics using a variety of sources of information. Finally, for a limited number of commodities, no end- use data are available. For a commodity whose apparent consumption is measured in a single physical form, such as copper metal, a simple price series may be used to estimate the unit value. For many commodities, apparent consumption measures more than one form of the commodity. The commodity chromium, for example, includes chromium metal, chromium ferroalloys, and chromite ore in its measurement of apparent consumption. Weighted averages were used in these cases, where the price of each form of chromium was weighted by the amount that each form contributes to apparent consumption. For many commodities, a price series was not available, but total value of exports, imports, and production was reported. Unit values were derived, in these cases, using the physical quantity data for exports, imports, and production. The notes that accompany each mineral commodity worksheet discuss the source of apparent consumption and unit value data and the assumptions made in estimating these data when they were not available from the references. Unit values in these tables are also reported in 1. Consumer Price Index for All Urban Consumers was used as the deflator. Constant dollars remove the effect of inflation on the unit value. The data sources and methods for each mineral commodity are documented in a Microsoft. By clicking on the Microsoft. The tables and text are also available in PDF format. The notes, where appropriate, also provide a brief explanation of shifts or trends in the use of the commodity, anomalies in the data, or additional, relevant information. Finally, the notes also provide contact details for relevant USGS specialists. These worksheets are labeled “end- use statistics,” “end- use graph,” and “end- use notes.” When the workbook is first opened, the “end- use statistics” tab is viewed, showing the detailed yearly end- use statistics for the commodity. By clicking on the “end- use graph” tab, a graphic displaying the statistics is shown. Clicking on the “end- use notes” tab displays the same worksheet notes embedded as a Microsoft. The tables, graph, and notes are also availale in PDF format. Commodity Chapters. Since the release of Data Series 1. This version contains the most recent finalized data, for the year listed in the table below. The most recent estimated data may be found in the current Mineral Commodity Summaries. Nonfuel mineral commodities - alphabetical index. Geological Survey Minerals Yearbook 1. Recommended Citation Formats Recommended citation format for the whole report. Kelly, T. D., and Matos, G. R., comps., 2. 01. Historical statistics for mineral and material commodities in the United States (2. U. S. Geological Survey Data Series 1. Geological Survey Data Series 1. Geological Survey, 2. Aluminum statistics . Geological Survey Data Series 1. March 2. 8, 2. 01. Geological Survey Data Series 1. Geological Survey, 2. Nickel end- use statistics . Geological Survey Data Series 1. March 2. 8, 2. 01. |
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