Links Mentioned On Town Meeting

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Gasoline/oil issues:
 
http://www.oilwatchdog.org/
A consumer group based in Santa Monica that critiques oil companies and pushes for legislative reforms. Their website is dedicated exclusively to gasoline; has a blog, shows numerous studies, releases insider reports on the industry, etc.
 
http://www.wspa.org
Western States Petroleum Association (WSPA) is a non-profit trade association that represents approximately 30 companies that account for the bulk of petroleum exploration, production, refining, transportation and marketing in the six western states of Arizona, California, Hawaii, Nevada, Oregon and Washington. Founded in 1907, WSPA is the oldest petroleum trade association in the United States.
 
http://www.api.org
American Petroleum Institute- is the only national trade association that represents all aspects of America’s oil and natural gas industry. Our 400 corporate members, from the largest major oil company to the smallest of independents, come from all segments of the industry. They are producers, refiners, suppliers, pipeline operators and marine transporters, as well as service and supply companies that support all segments of the industry.
 
http://www.eia.doe.gov
U.S. Government Energy Information Administration (EIA), created by Congress in 1977, is a statistical agency of the U.S. Department of Energy. Our mission is to provide policy-neutral data, forecasts, and analyses to promote sound policy making, efficient markets, and public understanding regarding energy and its interaction with the economy and the environment.

Food and general economy issues:
 
http://www.ers.usda.gov/Briefing/CPIFoodAndExpenditures/Data/table7.htm
The U.S. has the lowest spending as a percentage of income for food at home.  The rate was 5.8% in 2006 (last available numbers).  This link shows that this number has steadily decreased since it was tracked in 1929.  In 1929 it was 20.3%.
 
www.solid-ground.org/Programs/Nutrition
Seattle based - Solid Ground’s Hunger Action Center. It develops and provide creative, comprehensive and effective responses to our community's needs - Offers quality human services in a manner that promotes dignity – Addvocates for public policies and private initiatives that give all people equal opportunities and resources - Supports the efforts of others who share our vision of community.
 
http://www.cityofseattle.net/humanservices/emergencyservices/FoodBanksSeattleKingCounty.pdf
A comprehensive list of food Banks in Seattle
 
www.donotcall.gov
The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at this Website. You can register your home or mobile phone for free.
 
www.optoutprescreen.com
This applies to offers you receive by mail.
The Opt-Out prescreen list is a centralized service to accept and process requests from consumers to "Opt-In" or “Opt-Out” of firm offers of credit or insurance. OptOutPrescreen.com is a joint venture among Equifax Information Services, LLC, Experian Information Solutions, Inc., Innovis Data Solutions, Inc., and TransUnion, LLC (collectively the "Consumer Credit Reporting Companies").
 
Housing issues:
 
http://www.choc-wa.org
Washington Homeownership Center is a nonprofit that works with people to prepare them for homeownership, including resources for credit counseling, pre-purchase counseling, mortgage default counseling and purchase assistance loans across the state.  Great resource for potential homebuyers and current homeowners.
 
http://www.wshfc.org
Washington State Housing Finance Commission – provides free, state-sponsored counseling for Washington residents who are facing foreclosure, thinking of buying a home, or considering refinancing. Also offers special down payment assistance programs.
 
www.myfico.com/crediteducation
Good consumer resource on credit scores. There are many credit models, but this is the one used by the mortgage industry.
 
www.annualcreditreport.com
Every consumer is entitled to a free credit report annually. 
 
http://www.fhaoutreach.gov/lender/
Federal Housing Administration site, consumer section, includes calculators to help figure out your purchase power.
 
www.fha.gov
Good resources for homeowners, such as information on using FHA to refinance out of a riskier mortgage; also has link to “FHASecure,” a government-sponsored program that gives homeowners with non-FHA adjustable rate mortgages (ARMs), current or delinquent and regardless of reset status, the ability to refinance into a FHA-insured mortgage.
 
www.responsiblelending.org
The Center for Responsible Lending is a nonprofit, nonpartisan research and policy organization dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices.
 
www.solid-ground.org/Programs/Housing
Solid Ground Housing Programs. Our Housing programs help 4,700 families get out of homelessness or avoid it altogether.

http://www.wshcc.com/association_site
Association of Washington State Hispanic Chambers of Commerce.  Information on housing and real estate issues.

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