"to those particular fellowships, or to remove gender-biased language. The Twelve Traditions accompany the Twelve Steps. The Traditions provide guidelines for group governance. They were developed in AA in order to help resolve conflicts in the areas of publicity, politics, religion and finances. Alcoholics Anonymous' Twelve Traditions are: In the twelve-step program human structure is symbolically represented in three dimensions: physical, mental, and spiritual. The problems the groups deal with are understood to manifest themselves in each dimension. For addicts and alcoholics the physical dimension is best described by the allergy-like bodily reaction resulting in the compulsion to continue using"
"the statutory criteria for eligibility and indicates those the city satisfied, and finds that the city met the minimum criteria for eligibility. The memorandum discusses in depth the major objections raised by various parties to the city's eligibility, and finds that the objections are either unfounded in law or insufficient factually to deny the city eligibility for Chapter 9. The judge concluded the memorandum with a reminder to all interested parties that eligibility is only a preliminary step in a Chapter 9 case, and that the ""ultimate objective is confirmation of a plan of adjustment...the Court strongly encourages the parties"
"step 7 asking the shortcoming to be removed, step 8 creation of a list detailing any wrongdoing done, and step 9 actively seeking to make amends) of AA involve identifying and dealing with resentment as part of the path toward recovery, including acknowledging one's own role in resentment and praying for the resentment to be taken away. The inventory that AA suggests for dealing with recovering from resentments is to first inventory the resentment by identifying what person, organization, idea or thing is the source of the resentment, then to identify why it is that thing is causing the resentment"
"Amend (motion) In parliamentary procedure, the motion to amend is used to modify another motion. An amendment could itself be amended. A related procedure is filling blanks in a motion. Using Robert's Rules of Order Newly Revised (RONR), all main motions can be amended. An amendment can be amended. However, the limit is that an amendment to an amendment may not be amended, because it would be too complicated. Secondary motions that, by their nature, include a variable element, also may be amended. For example, the motion to postpone may be amended as to the length of the postponement; the"
"Ninth Amendment to the United States Constitution The Ninth Amendment (Amendment IX) to the United States Constitution addresses rights, retained by the people, that are not specifically enumerated in the Constitution. It is part of the Bill of Rights. The Ninth Amendment has generally been regarded by the courts as negating any expansion of governmental power on account of the enumeration of rights in the Constitution, but the Amendment has not been regarded as further limiting governmental power. The amendment as proposed by Congress in 1789 and later ratified as the Ninth Amendment reads as follows: When the U.S. Constitution"
"Second-degree amendment In parliamentary procedure using Robert's Rules of Order, the wording of a motion could be changed by an amendment. This amendment is called a primary amendment, or first-degree amendment. A secondary amendment, or second-degree amendment is an amendment of an amendment. Secondary amendments are handled like other amendments in that they can be debated and voted on before moving forward. For example, in a situation where a resolution is being considered for the purchase of a new building, the motion may read as follows: """"That the organization purchase a facility for the purpose of continuing operations."""" An amendment"
"to this motion might insert the words ""In Nashville"" to specify where the building would be purchased. In this case, ""in Nashville"" is the primary amendment. A second-degree amendment would amend the original amendment to insert the words ""in ""South"" Nashville"". ""South"" would be the secondary amendment. In this manner, the motion would then amend the text to read: """"""That the organization"" purchase a facility in South Nashville for the purpose of continuing operations."""" A tertiary amendment, or third-degree amendment, is an amendment of an amendment to an amendment and is not allowed because it would be too complicated. Second-degree"
"a spending plan may also be developed or modified. Actions plans are lists of specific actions to resolve debts and improve one's financial situation. Members organize pressure relief groups about once a month. In times of crisis, however, they may hold them more often. Practicing the Fourth Step of the DA's Twelve Steps includes not only a moral inventory of personal characteristics but also an inventory of personal financial history including a list of current outstanding debts. Similarly, the Ninth Step includes monetary debt repayment. Following the language of the Ninth Step, however, the payment schedule should not injure the"
"modifications on their home mortgage debt. This section requires every mortgage servicer participating in the program and denies a re-modification request to provide the borrower with any data used in a net present value (NPV) analysis. The Secretary of the Treasury is also directed to establish a Web-based site that explains NPV calculations. The Secretary of the Treasury is instructed to develop a Web-based site to explain the Home Affordable Modification Program and associated programs, that also provides an evaluation of the impact of the program on home loan modifications. The following sections have been added to the Act: The"
"Home Affordable Modification Program The Home Affordable Modification Program (HAMP) is a government program introduced in 2009 to respond to the subprime mortgage crisis. HAMP is part of the Making Home Affordable program (MHA), established in concert with the Hardest Hit Fund program (HHF) under the Troubled Asset Relief Program (TARP), a part of the Emergency Economic Stabilization Act of 2008. HHF provides targeted aid to home owners in states hit hardest by the economic crisis and works in tandem with HAMP and most MHA programs. HAMP (and the entire MHA Program) is set to expire December 31, 2016, the"
"indicated by Madison in his speech introducing the Bill of Rights (emphasis added): The First through Eighth Amendments address the means by which the federal government exercises its enumerated powers, while the Ninth Amendment addresses a ""great residuum"" of rights that have not been ""thrown into the hands of the government,"" as Madison put it. The Ninth Amendment became part of the Constitution on December 15, 1791 upon ratification by three-fourths of the states. The final form of the amendment ratified by the states is as follows: The Ninth Amendment has generally been regarded by the courts as negating any"
"people. The amendment affects Articles 160, 162, 174, 192 and 230 of the constitution. They are amended as follows: Article 341 of the constitution, which governs amendments, states that ""amendments shall be numbered consecutively and shall be published beneath the Constitution without altering the text of the latter"". Therefore, the 2009 amendment has not altered the original text of the constitution. Rather, Amendment No.1 (including new texts for each of the five amended articles) is published below the original text as a codicil. The question elaborated by the National Electoral Council was: Opinion polls conducted on the measure in December"
"strategies to get borrowers down to an “affordable” mortgage payment, defined as 38 percent of a household’s monthly gross income on a first mortgage payment. The Office of the Comptroller of the Currency and the Office of Thrift Supervision reported on 2009-04-03 The Home Affordable Modification Program (HAMP) was established on February 18, 2009 to help up from 7 to 8 million struggling homeowners at risk of foreclosure by working with their lenders to lower monthly mortgage payments. The Program is part of the Making Home Affordable Program which was created by the Financial Stability Act of 2009. The program"
"issues, The Lamb Enquiry made 51 recommendations to the government to which an implementation plan has been derived. As well as focusing on improving skills and practices within the workforce and specifically on children's outcomes, the plan also focuses heavily on strengthening engagement with parents,ensuring a strategic local approach is made. The implementation plan also includes: The Lamb Enquiry (2009) includes two legal amendments: One to provide a right of appeal for parents if a local authority decides not to amend a statement after a review; and the other to place a specific duty on Ofsted to report on the"
"changed in modification all the enterprise. This method is divided in four steps. First step is the mission determination in which the managers decide what they want as an enterprise, to be accomplished, what is the main purpose of the company. In this step is also include the principles that will guide the enterprise. The second step is environmental assessment. It is divided in external, determining threats and opportunities, and internal, determining strengths and weaknesses. The third step is objective setting where you create specific goals to the enterprise that can be measurable, achievable, time specific and documented. Finally the"
"also illegal, computer fraud and not the governments intended purpose or definition of a modification. There are reputable companies that are trained to assist with foreclosure defense and home retention options. In addition, hud.gov offers a variety of non-profit agencies that offer assistance. During the Great Depression in the United States a number of mortgage modification programs were enacted by the states to limit foreclosure sales and subsequent homelessness and its economic impact: is not true. United States of America birthed Modifications through The HAP Team late in the year of 2009 due to crimes collectively titled, "" Predatory lenders."""
"Nineteenth Amendment of the Constitution of Ireland The Nineteenth Amendment of the Constitution Act, 1998 (previously bill no. 24 of 1998) is an amendment of the Constitution of Ireland which permitted the state to be bound by the Good Friday Agreement and enabled the establishment of shared political institutions between Ireland and Northern Ireland. It also provided a mechanism for a further amendment to the Constitution upon a declaration by the government on the implementation of the Agreement, most notably by changing Articles 2 and 3 from an irredentist claim on the whole island of Ireland to an aspiration towards"
"their mortgage payments. Nationwide, Ocwen has completed approximately 795,000 loan modifications and provided billions of dollars in principal forgiveness since January 2008. In 2014, Ocwen established its Community Advisory Council, which provides a forum for Ocwen leaders and community advocates to share ideas, discuss policy issues and collaboratively identify opportunities for Ocwen to have a positive impact on local communities, particularly those hit hardest by the financial crises. The Community Advisory Council consist of 15 leading non-profit community advocates and housing counseling agencies from around the country. Ocwen is a participant in the U.S. Treasury Department's Home Affordable Modification Program"
"and if said changes can be improved as well. Example: Gap analysis, or Appraisals Also called ""Adjust"", this act phase is where a process is improved. Records from the ""do"" and ""check"" phases help identify issues with the process. These issues may include problems, non-conformities, opportunities for improvement, inefficiencies and other issues that result in outcomes that are evidently less-than-optimal. Root causes of such issues are investigated, found and eliminated by modifying the process. Risk is re-evaluated. At the end of the actions in this phase, the process has better instructions, standards or goals. Planning for the next cycle can"
"2016. Home Affordable Modification Program The Home Affordable Modification Program (HAMP) is a government program introduced in 2009 to respond to the subprime mortgage crisis. HAMP is part of the Making Home Affordable program (MHA), established in concert with the Hardest Hit Fund program (HHF) under the Troubled Asset Relief Program (TARP), a part of the Emergency Economic Stabilization Act of 2008. HHF provides targeted aid to home owners in states hit hardest by the economic crisis and works in tandem with HAMP and most MHA programs. HAMP (and the entire MHA Program) is set to expire December 31, 2016,"
"Loan modification in the United States Loan modification is the systematic alteration of mortgage loan agreements that help those having problems making the payments by reducing interest rates, monthly payments or principal balances. Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure. Loan modifications have been practiced in the United States since The 2008 Crash Of The Housing Market from Washington Mutual, Chase Home Finance, Chase, JP Morgan & Chase, other contributors like MER's. Crimes of Mortgage ad Real Estate Staff had long assisted nd finally the"
"Rights Act. In these cases, interpretation to comply may conflict with legislative intent. It is considered a measure of last resort. A range of superior courts can issue a declaration of incompatibility. A declaration of incompatibility is not binding on the parties to the proceedings in which it is made, nor can a declaration invalidate legislation. Section 4 therefore achieves its aim through political rather than legal means. Section 10 gives a government minister the power to make a ""remedial order"" in response to either A remedial order may ""make such amendments to the legislation as [the Minister] considers necessary"
"amendments to bills. On rare occasions, Supplementary Order Papers are referred to select committees for comment. The extent to which a bill changes during this process varies. If the select committee that considered the bill did not have a government majority and made significant alterations, the Government may make significant ""corrective"" amendments. There is some criticism that bills may be amended to incorporate significant policy changes without the benefit of select committee scrutiny or public submissions, or even that such major changes can be made with little or no notice. However, under the MMP system when the Government is less"
"Nineteenth Amendment to the Constitution of Pakistan The Nineteenth Amendment to the Constitution of Pakistan (Urdu: آئین پاکستان میں انیسویں ترمیم) is a 2011 amendment reforming the judicial appointments procedure as well as expanding the Federally Administered Tribal Areas (FATA). The proposed amendment was presented on 21 December 2010 by the Parliamentary Committee on Constitutional Reforms' Chairman Raza Rabbani in the National Assembly The Amendment was Passed by the National Assembly on December 22, 2010, by the Senate on December 30, 2010 and assented to by the President on January 1, 2011. 26 amendments to the present 6 articles constitution"
"proposed modified payment. Timely payments must be made for three consecutive months before a borrower's loan can be modified under the SMP. The ""Streamlined Modification Plan,"" or SMP, which is an expansion of what many lenders are already doing, was implemented starting December 15, 2008. With the George W. Bush administration refusing to enact FDIC Chairwoman Sheila Bair's controversial loan modification plan, lawmakers are taking matters into their own hands. ""We (IndyMac Bank) commend FDIC Chairman Sheila Bair for her leadership in developing a systematic loan modification protocol. FHFA, the GSEs and HOPE NOW relied heavily on the IndyMac model"
"for the 31st amendment. No referendum has ever been annulled by the courts. The Nineteenth Amendment, passed in May 1998, introduced a novel method of amendment. Its provisions allowed the later amendment to Articles 2 and 3 of the Constitution in 1999. The Nineteenth Amendment did not itself amend those articles, but rather introduced a temporary special mechanism by which the Government could order their amendment once it was satisfied that certain commitments made by other parties to the Good Friday Agreement had been complied with. The sections added to the text of the Constitution which provided for this later"
"Adjustment"" was created to determine ""all claims, doubts and disputes which may arise under departmental contracts""; it implemented the policies for Liquidation, Cancellation, and Adjustment of contracts. According to Evans Reamer Machine Company v. United States. 386 F.2d 873, ""since the early days of World War II,"" the main defense agencies have been authorized to grant discretionary relief to contractors suffering losses on account of mistakes. The underpinning for the granting of relief must be a finding that such action would facilitate the national defense or prosecution of the war. Title II relief has been referred to variously as ""far-reaching,"""
"(HAMP), which is designed to use loan modifications to help homeowners facing foreclosure. Ocwen early on posted relative success in converting trial loan modifications to permanent ones, in part because it relied on verified income statements from borrowers rather than stated ones. In August 2010, Ocwen enacted a Shared Appreciation Modification (SAM) program that reduces a qualified delinquent borrower's principal to 95% of the home's current market value, but requires the homeowner to later share 25% of the home's appreciation with the investors when the home is eventually sold or refinanced. In 2011, Ocwen reported that it had modified more"
"to be modified had to be your primary residence. In June 2012, HAMP was significantly revised to expand the scope of the program and clarify some troubling issues. A Tier 2 modification program was initiated permitting modifications for loans on properties not owner occupied and also allowing multiple loans on multiple properties to be modified. Pre-existing rules for owner occupied properties now come under the umbrella of Tier 1 modifications. The MHA Handbook is a consolidated reference guide outlining the requirements and guidelines for the Making Home Affordable (MHA) Program and particularly HAMP, its most popular component. A complex calculation"
"to call for a Constitutional Convention in which they would propose the amendments comprising the bill. Alternatively, the United States Congress could propose the amendments to the states, as they have done every time a Convention to propose amendments has been called for. The amendments, summarized by number below, would do the following; On April 16, 2009, Barnett appeared on the Glenn Beck Show to address the question, ""What redress do states have who are tired of getting kicked around by the federal government?"" Barnett proposed the idea of passing a constitutional amendment and argued that by threatening to hold"
"ballot measure to enact these changes, but failed to submit signatures to the Secretary of State. In 2009, the group supported two legislative efforts, House Joint Resolution 10 and Senate Joint Resolution 9. Both failed to pass, though House Joint Resolution 10 did succeed in passing through the House. In 2012, the group supported one bill, Senate Joint Resolution 51, which passed through both houses of the legislature and will appear on the November 2012 ballot as Amendment 3. In 2009, the group announced their sponsorship of an initiative petition to replace the Missouri Plan with a judicial nomination system"
"Move to Amend Move to Amend is a political organization in the United States that seeks to blunt corporate power via a constitutional amendment that ends corporate personhood and states that money is not speech. The group was created in response to the Supreme Court ruling ""Citizens United v. Federal Election Commission"". The ruling held that corporations have a First Amendment right to make expenditures from their general treasuries supporting or opposing candidates for political office. Move to Amend argues that the Court's decision disrupts the democratic process by granting disproportionate influence to the wealthy. Move to Amend's strategy has"
"Christian amendment Christian amendment describes any of several attempts to amend the United States Constitution by inserting explicitly Christian ideas and language. The most significant such attempt began during the American Civil War and was spearheaded by the National Reform Association. In February 1863, during the American Civil War, a coalition of eleven Protestant denominations from seven northern states gathered to discuss the state of the nation. Seeing the Civil War as God's punishment for the omission of God from the Constitution, they discussed a proposed amendment to alter the wording of the Preamble to acknowledge God. The idea that"