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Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill Lynch”) provides products and services to various employers, their employees and other individuals. In connection with providing these products and services, and at the request of the employer, Merrill Lynch makes available websites on the internet, mobile device applications, and written materials, including brochures, in order to provide you with information regarding your plan. Under no circumstances should these websites, applications, and material, or any information included in these websites, applications, and materials, be considered an offer to sell or a solicitation to buy any securities, products, or services from Merrill Lynch or any other person or entity.

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Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD. 

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We are an Equal Housing Opportunity Provider. We provide housing without discrimination on the basis of race, color, religion, sex, physical or mental handicap, familial status, national origin, or other protected class. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410 or call Customer Service at (202) 708-1112 (voice) or (202) 708-1455 (TTY). HUD is an equal opportunity provider and employer.

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on one’s uppers Impoverished, down-and-out; shabby-looking, down-at-the-heel. This phrase, of U.S. origin, appeared in The Century Dictionary (1891). The uppers are the upper leathers of shoes or boots; a person “on his uppers” has worn through both sole and welt. Footgear as indicative of financial status is also found in the term well-heeled (though this is probably of unrelated origin), and in the above-noted down-at-the-heel.

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We are an Equal Housing Opportunity Provider. We provide housing without discrimination on the basis of race, color, religion, sex, physical or mental handicap, familial status, national origin, or other protected class. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410 or call Customer Service at (202) 708-1112 (voice) or (202) 708-1455 (TTY). HUD is an equal opportunity provider and employer.

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The Fair Housing Act does not specifically prohibit discrimination based on sexual orientation or gender identity. But discrimination against someone who is lesbian, gay, bisexual, or transgender (LGBT) may still be in violation of the Act or other state or local regulations. If you think you've been discriminated against for these reasons, file a complaint as described above, or email HUD at LGBTFairhousing@hud.gov with general questions about LGBT housing issues. 

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Low-income earners can earn at or no more than 199% of the poverty level. For example, if you live alone, the federal government considers you a low-income earner if you earn between $11,490 and $22,865.10 (1.99 x $11,490). The government considers a family of four earning no more than $46,864.50 ($23,550 x 1.99) as low income. These income limits don't account for taxes. You may earn $22,865.10 but take home nearly 25% less, depending on the amount withheld from your paycheck.

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By the early 1970s, Free became one of the biggest-selling British blues rock[5][6][7] groups; by the time the band retired in 1973, they had sold more than 20 million albums around the world and had played more than 700 arena and festival concerts. "All Right Now" remains a rock staple and has been entered in ASCAP's "One Million" airplay singles club.[8][9]

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the benefits of fresh air and sunshine A benefit of museum membership is that purchases are discounted. There are many financial benefits to owning your own home. She is just now starting to reap the benefits of all her hard work. The benefits of taking the drug outweigh its risks. I see no benefit in changing the system now. We're lucky to be able to get the full benefit of her knowledge. He began collecting his retirement benefits when he was 65. He began collecting his retirement benefit when he was 65. The job doesn't pay much, but the benefits are good.

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We are an Equal Housing Opportunity Provider. We provide housing without discrimination on the basis of race, color, religion, sex, physical or mental handicap, familial status, national origin, or other protected class. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410 or call Customer Service at (202) 708-1112 (voice) or (202) 708-1455 (TTY). HUD is an equal opportunity provider and employer.

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Twitter scored a massive $1.1 billion profit last quarter, but virtually of that was because of a significant one-time tax benefit from some international deferrals. — David Goldman, CNN, "Twitter says it's anti-spam campaign is working," 26 July 2019 The consumer benefit from free internet services was estimated to be more than $100 billion in the United States alone, according to a 2012 paper co-written by Erik Brynjolfsson, an economist at the M.I.T. Sloan School of Management. — Steve Lohr, New York Times, "Calls Mount to Ease Big Tech’s Grip on Your Data," 25 July 2019 Kinsey told jurors that a string of prosecution witnesses who are doing prison time and were given financial benefits from the District Attorney’s Office were not credible to place Haddock at the crime scenes. — Pauline Repard, San Diego Union-Tribune, "Two men found guilty in 2011, 2013 murders sparked by gang rivalry," 24 July 2019 And the United States has a responsibility to be that model, because the United States has emitted more greenhouse gases than any other country in the world, and has reaped substantial economic benefits from those emissions. — Natasha Geiling, The New Republic, "The Democrats’ New Climate Plan Can’t Be Serious," 24 July 2019 Just as the men’s basketball tournament was energized by the switch from Staples Center in Los Angeles to T-Mobile Arena in Las Vegas, so too will the FCG benefit from the move to Sin City. — Jon Wilner, The Mercury News, "Pac-12 football media day: Title game to Las Vegas, changes to officiating procedure, media poll and more," 24 July 2019 Related Articles Under the proposal, to qualify for automatic eligibility, people would have to get at least $50 a month in benefits from TANF for a minimum of six months. — Carole Feldman, Twin Cities, "USDA rule would cut food stamp benefits for 3.1 million," 23 July 2019 That would allow the owners to buy lower-cost flood insurance backed by the federal government and potentially benefit from millions of dollars in other federal aid to fix infrastructure including roads and bridges. — Dave Collins, courant.com, "Could coastal mansions in Connecticut become eligible for disaster aid?," 22 July 2019 The people eligible for benefits from the settlement are the 150 million people affected by the breach. — Don Reisinger, Fortune, "Equifax May Owe You Some Money. Here’s How to Get It," 22 July 2019

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Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
In accordance with federal law and United States Department of Housing and Urban Development (HUD) policy, this institution is prohibited from discriminating on the basis of race, color, national origin, age, disability, sex or familial status. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410, or call (202) 708-1112 (voice) or (202) 708-1455 (TTY).

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hard up In financial straits, short of cash, out-of-pocket. Originally nautical, this expression was usually used in the imperative, directing that the helm or tiller be pushed as far windward as it would go in order to turn the ship’s bow away from the wind. Since this maneuver was usually necessitated by a storm or other potentially disastrous situation, the phrase took on the general sense of difficulty or straits. The nonnautical use of this expression dates from the early 19th century.

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The most well known affordable housing programs, such as the Section 8 and Low Income Housing Tax Credit programs, use the Area Median Income (AMI) as a metric to determine income eligibility and rent restrictions. Rents and eligibility requirements are set relative to the Area Median Income so that a household earning a lower percentage of the AMI would be eligible for homes with cheaper rents.

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In accordance with federal law and United States Department of Housing and Urban Development (HUD) policy, this institution is prohibited from discriminating on the basis of race, color, national origin, age, disability, sex or familial status. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410, or call (202) 708-1112 (voice) or (202) 708-1455 (TTY).

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hard up In financial straits, short of cash, out-of-pocket. Originally nautical, this expression was usually used in the imperative, directing that the helm or tiller be pushed as far windward as it would go in order to turn the ship’s bow away from the wind. Since this maneuver was usually necessitated by a storm or other potentially disastrous situation, the phrase took on the general sense of difficulty or straits. The nonnautical use of this expression dates from the early 19th century.

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Unlike their previous albums, Tons of Sobs and Free, their album Fire and Water, released in 1970, was a huge success largely due to its hit single "All Right Now", which reached No. 1 on the UK rock music charts, No. 2 on the UK singles chart and No. 4 on the US Billboard Hot 100 chart.[15] The album reached No. 2 in the UK charts and No. 17 on the U.S charts, making it the most successful Free album. "All Right Now" became a No. 1 hit in over 20 territories and was recognised by ASCAP (American Society of Composers, Authors, and Publishers) in 1990 for garnering 1,000,000 plus radio plays in the US by late 1989. In 2000 an award was given to Paul Rodgers by the British Music Industry when "All Right Now" passed 2,000,000 radio plays in the UK.[16] 

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Bassist Andy Fraser left the band in mid-1972 due to Paul Kossoff's unreliability in being able to perform at shows or even showing up. The remaining members recruited Japanese bass player Tetsu Yamauchi and keyboardist John "Rabbit" Bundrick, who had worked with Kossoff and Kirke during Free's initial split, recording Kossoff, Kirke, Tetsu and Rabbit[19] and recorded what would be Free's final album, Heartbreaker. Kossoff was replaced by ex-Osibisa guitarist Wendell Richardson for a USA tour in 1973, but shortly thereafter, Free disbanded for good, with Rodgers and Kirke going on to form Bad Company[20] that same year. Fraser went on to form the band Sharks[21] and later The Andy Fraser Band, and Kossoff formed the band Back Street Crawler.[22]

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Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill Lynch”) provides products and services to various employers, their employees and other individuals. In connection with providing these products and services, and at the request of the employer, Merrill Lynch makes available websites on the internet, mobile device applications, and written materials, including brochures, in order to provide you with information regarding your plan. Under no circumstances should these websites, applications, and material, or any information included in these websites, applications, and materials, be considered an offer to sell or a solicitation to buy any securities, products, or services from Merrill Lynch or any other person or entity.

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Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill Lynch”) provides products and services to various employers, their employees and other individuals. In connection with providing these products and services, and at the request of the employer, Merrill Lynch makes available websites on the internet, mobile device applications, and written materials, including brochures, in order to provide you with information regarding your plan. Under no circumstances should these websites, applications, and material, or any information included in these websites, applications, and materials, be considered an offer to sell or a solicitation to buy any securities, products, or services from Merrill Lynch or any other person or entity.

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By the early 1970s, Free became one of the biggest-selling British blues rock[5][6][7] groups; by the time the band retired in 1973, they had sold more than 20 million albums around the world and had played more than 700 arena and festival concerts. "All Right Now" remains a rock staple and has been entered in ASCAP's "One Million" airplay singles club.[8][9]

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In 1971, due to differences between singer Paul Rodgers and bassist Andy Fraser, where Rodgers felt he wasn't being listened to, the band disbanded.[18] This led to the release of the live album called Free Live!. In early 1972 the band set aside their differences and reformed in an effort to save Kossoff from his growing drug addiction, and released Free at Last in June of the same year.[2]

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poor as a churchmouse Extremely poor; impoverished, insolvent; poor but proud. This expression, popular since the 17th century, is probably derived from a tale which recounts the plight of a mouse that attempted to find food in a church. Since most churches, including that of the story, do not have kitchens, the proud mouse found it difficult to survive since its pickings were slim at best.

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Paul Kossoff and Simon Kirke first became friends in the R&B band Black Cat Bones, but they wanted to move on. Paul Kossoff saw vocalist Paul Rodgers singing with Brown Sugar while visiting the Fickle Pickle, an R&B club in London's Finsbury Park. He was immediately impressed and asked if he could jam with Rodgers onstage. Along with Kirke, they began the search for a fourth member. Alexis Korner recommended Andy Fraser to the band; at the age of 15, Fraser had already been playing with John Mayall & the Bluesbreakers. Korner also provided the name "Free" to the newly formed band.

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Paul Kossoff and Simon Kirke first became friends in the R&B band Black Cat Bones, but they wanted to move on. Paul Kossoff saw vocalist Paul Rodgers singing with Brown Sugar while visiting the Fickle Pickle, an R&B club in London's Finsbury Park. He was immediately impressed and asked if he could jam with Rodgers onstage. Along with Kirke, they began the search for a fourth member. Alexis Korner recommended Andy Fraser to the band; at the age of 15, Fraser had already been playing with John Mayall & the Bluesbreakers. Korner also provided the name "Free" to the newly formed band.

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on one’s uppers Impoverished, down-and-out; shabby-looking, down-at-the-heel. This phrase, of U.S. origin, appeared in The Century Dictionary (1891). The uppers are the upper leathers of shoes or boots; a person “on his uppers” has worn through both sole and welt. Footgear as indicative of financial status is also found in the term well-heeled (though this is probably of unrelated origin), and in the above-noted down-at-the-heel.

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For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Van Buren is $28,620 a year, or $2,385 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,385 by 30% to get a maximum rent of $716 a month.

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Forfait Freebox One : engagement 12 mois. Frais de mise en service : 49€. Frais de résiliation : 49€. Offre réservée aux 100 000 premières souscriptions par des personnes n’ayant pas été abonnées à une offre Freebox dans les 30 jours qui précèdent cette souscription. Perte de la remise supplémentaire en cas de déménagement ou changement d’offre. Remise de 10€/mois pendant 12 mois. En cas de résiliation avant la fin de la période d’engagement, perte de la remise et facturation des mois restants dus au tarif mensuel de l’offre hors promotion. Perte de la remise en cas de changement d’offre ou de déménagement.

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Twitter scored a massive $1.1 billion profit last quarter, but virtually of that was because of a significant one-time tax benefit from some international deferrals. — David Goldman, CNN, "Twitter says it's anti-spam campaign is working," 26 July 2019 The consumer benefit from free internet services was estimated to be more than $100 billion in the United States alone, according to a 2012 paper co-written by Erik Brynjolfsson, an economist at the M.I.T. Sloan School of Management. — Steve Lohr, New York Times, "Calls Mount to Ease Big Tech’s Grip on Your Data," 25 July 2019 Kinsey told jurors that a string of prosecution witnesses who are doing prison time and were given financial benefits from the District Attorney’s Office were not credible to place Haddock at the crime scenes. — Pauline Repard, San Diego Union-Tribune, "Two men found guilty in 2011, 2013 murders sparked by gang rivalry," 24 July 2019 And the United States has a responsibility to be that model, because the United States has emitted more greenhouse gases than any other country in the world, and has reaped substantial economic benefits from those emissions. — Natasha Geiling, The New Republic, "The Democrats’ New Climate Plan Can’t Be Serious," 24 July 2019 Just as the men’s basketball tournament was energized by the switch from Staples Center in Los Angeles to T-Mobile Arena in Las Vegas, so too will the FCG benefit from the move to Sin City. — Jon Wilner, The Mercury News, "Pac-12 football media day: Title game to Las Vegas, changes to officiating procedure, media poll and more," 24 July 2019 Related Articles Under the proposal, to qualify for automatic eligibility, people would have to get at least $50 a month in benefits from TANF for a minimum of six months. — Carole Feldman, Twin Cities, "USDA rule would cut food stamp benefits for 3.1 million," 23 July 2019 That would allow the owners to buy lower-cost flood insurance backed by the federal government and potentially benefit from millions of dollars in other federal aid to fix infrastructure including roads and bridges. — Dave Collins, courant.com, "Could coastal mansions in Connecticut become eligible for disaster aid?," 22 July 2019 The people eligible for benefits from the settlement are the 150 million people affected by the breach. — Don Reisinger, Fortune, "Equifax May Owe You Some Money. Here’s How to Get It," 22 July 2019 

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poor as a churchmouse Extremely poor; impoverished, insolvent; poor but proud. This expression, popular since the 17th century, is probably derived from a tale which recounts the plight of a mouse that attempted to find food in a church. Since most churches, including that of the story, do not have kitchens, the proud mouse found it difficult to survive since its pickings were slim at best.

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Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill Lynch”) provides products and services to various employers, their employees and other individuals. In connection with providing these products and services, and at the request of the employer, Merrill Lynch makes available websites on the internet, mobile device applications, and written materials, including brochures, in order to provide you with information regarding your plan. Under no circumstances should these websites, applications, and material, or any information included in these websites, applications, and materials, be considered an offer to sell or a solicitation to buy any securities, products, or services from Merrill Lynch or any other person or entity.

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For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Van Buren is $28,620 a year, or $2,385 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,385 by 30% to get a maximum rent of $716 a month.

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A related expression, poor as Job’s turkey, is credited to Thomas C. Haliburton (1796–1865), a Canadian judge and humorist. Haliburton, using the pseudonym Sam Slick, described Job’s turkey as so poor that it had only one feather, and so weak that it had to lean against a fence in order to gobble. Job, of course, never had a turkey—poor or otherwise—as the bird is a native of North America. A variation is poor as Job’s cat.

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Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

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