Home Affordable Modification Program (HAMP) The largest program within MHA is the Home Affordable Modification Program (HAMP). HAMPâs goal is to offer homeowners who are at risk of foreclosure reduced monthly mortgage payments that are affordable and sustainable over the long-term. HAMP was designed to help families who are struggling to remain in their homes and show: Documented financial hardship An ability to make their monthly mortgage payments after a modification.
BICSc is the largest independent, professional and educational body within the cleaning industry, with over 10,000 individual and corporate members. the home of. What We Do. Our mission is to raise the standards of education and to build awareness of the cleaning industry through professional standards and accredited training.
Basic Interpersonal Communication Skills. Experts such as Jim Cummins differentiate between social and academic language acquisition. Basic Interpersonal Communication Skills (BICS) are language skills needed in social situations. It is the day-to-day language needed to interact socially with other people. English language learners (ELLs) employ BIC skills when they are on the playground, in the lunch room,on the school bus, at parties, playing sports and talking on the telephone. Social interactions are usually context embedded.