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Plateau Land & Wildlife Fall Seminar set for March 5


BUFFALO, Texas– Plateau Land and Wildlife Management is giving a presentation on transitioning to Wildlife Management Tax Valuation (“Tax Exemption”) at the Buffalo Civic Center on March 5, 2015.

Dayne's Texas Travels: Buffalo Gap


After Dayne learned the history of the West Texas region, she traveled a few minutes down the road to Buffalo Gap. While she was there, she made sure to check out the Buffalo Gap Historic Village, where she toured the grounds and got a real life feel for ...

Buffalo Rodeo premieres album


Following its latest release, Buffalo Rodeo has many plans jotted down in its itinerary, including attending some unofficial showcases during the annual SxSW festival March 13-22 in Austin, Texas. The showcases are free promotional events during the festival.

Welch: Buffalo's Cafe is back


Buffalo’s Cafe is back in Canyon ...
Virdinski’s Rub Shack ranks No. 1 An Amarillo restaurant serves Texas’ best banana pudding, Texas Monthly barbecue guru Daniel Vaughn said. In a Feb. 10 blog, Vaughn put Virdinski’s Rub Shack in the No. 1 ...

Buffalo Bayou Partnership Regatta launches March 7


HOUSTON – The tradition continues as the Buffalo Bayou Partnership celebrates its 43rd Regatta on March 7. Texas' largest canoe and kayak race will welcome over 900 participants who will paddle their way down scenic Buffalo Bayou. The 15-mile American ...

57 dogs rescued from hoarder in Texas; one was from Missouri


Those dogs were all crammed into one duplex in Hewitt Texas. One of those dogs has a local connection and has since made her way back to Buffalo Missouri. Izzie is an 8-year-old English Bulldog. A year and a half ago she was rescued from a puppy mill in ...

20 Best College Football Traditions


And the best ones let them loose—literally. Colorado's Ralphie the Buffalo, Texas' longhorn steer Bevo and Georgia's bulldog Uga spend plenty of time out on the field during their teams' home games. Ralphie helps lead the Buffaloes onto the turf at ...

New exhibit opens at Museum Of Americas


By the late 18 th century the stage was set for the 100 years or so of Plains Indian dominance based on horsemanship and access to the seemingly endless herds of buffalo. Texas has a role in this story. The Comanche, the Apache and the Kiowa roamed vast ...

Will Texas Roadhouse Heat Up Q4 Earnings?


But like Texas Roadhouse, Buffalo Wild Wings (NASDAQ:BWLD) got the axe from Miller Tabak recently with a downgrade to hold from buy on Feb. 9. The sports bar chain had missed analyst views, though shares got a boost from positive Q1 same-store sales and an ...

Buffalo Bayou Brewing celebrates Texas Independence


Date & Time: Saturday, March 7, 2015 from 6 p.m. to 9 p.m. Buffalo Bayou Brewing is ready to pay homage to the past at the Texas Independence Party and the brewery invites you to join them for an evening of historic reminiscing accompanied with fine brew.

Where To Purchase Online Best Anti Aging Neck Treatment In Buffalo, New York


Best anti aging neck treatment, secretagogue HGH plus anti aging galvanic treatment. Certified natural Salix alba for sore mouth and throat in Buffalo, New York. Many people have factious supplements …

NFL free agency 2015: could Dawan Landry replace Da'Norris Searcy in Buffalo?


Dawan Landry, a long-time player under Rex Ryan, is a name Buffalo Bills fans should remember next week - especially with Da'Norris Searcy potentially leaving in free agency. Once Rex Ryan was named …

What Is The Prices Of Rejuvenation Effects Of Xocai Capsules In Buffalo, New York


Rejuvenation effects of xocai capsules, HGH boosters real simple anti aging. Synthetic Pyridoxine for inflamed nasal passages. In Buffalo, New York. E-pulse (Gh) is a postulate strengthening that revu…

Podcast #15 – We Jam On Buffalo, Frozen Pipes, State of the City, Byron’s Goofs.


- This week we lost our guest to the stomach bug, but we held strong and jammed about Buffalo, how to unfreeze pipes, and how not to, Byron Browns state of the city, and why we feel a need for more ef…

Art Dinner Experiences with Sue Thomson, John Green, Elwira Pioro, Donna Sands, Leo Tagalis, and Dean Caminiti at the Arboretum Club in Buffalo Grove, IL. Come, Be A Part Of The Experience!


Art Dinner Experiences in Buffalo Grove, Illinois   We are now accepting reservations for our Thursday, March 26, 2015 Art Dinner Experience at the Arboretum Club in Buffalo Grove! The host for thes…

Monarchy in Buffalo (Danaus plexippus)


By Jay Burney A single Monarch butterfly at Wilkeson Point Park preparing for its long migration south, September 2014 You may have heard that the United States Fish and Wildlife Service (USFWS) has…

The Buffalo Board of Education – Worse than Reality TV


What in the name of Puck, Snooki, Omirosa, Pedro, or whomever, is going on with the Buffalo Board of Education? Like an out of control version of The Real World meets The Apprentice. They consistently…

Jacquie & Justin’s Phenomenal Buffalo Wedding Photography and Videography | PHENOMENON #GETtheTIE


Jacquie and Justin are incredible! We loved working with them, our Photo & Video team captured the true love these two share! They had a beautiful ceremony at the Shorewood Country Club and a stunning…

Lack, not Markstrom, to start for Canucks in Buffalo


Willie Desjardins, playing it safe.

Jenifer & Don’s PHENOMENON Wedding | Buffalo Wedding Photography and Videography


Jen & Don were such a pleasure to work with. Jen and Don were up for anything we threw at them. Everyone cooperated and the timeline we planned out gave us extra time to head to a few extra locations!…




SPECIAL INFORMATION FOR BUFFALO

Avoiding Foreclosure in BUFFALO TEXAS

The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD. This page provides a summary of these various programs. Please continue reading in order to determine which program can best assist you.

Please read FHA's brochure, "Save Your Home:  Tips to Avoid Foreclosure," also published in   Spanish,  Chinese and  Vietnamese.

Making Home Affordable

The Making Home Affordable © (MHA) Program is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

Homeowners can lower their monthly mortgage payments and get into more stable loans at today's low rates. And for those homeowners for whom homeownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today's homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth. Please read the following program summaries to determine which program options may be best suited for your particular circumstances.

Modify or Refinance Your Loan for Lower Payments

  • Home Affordable Modification Program (HAMP): HAMP lowers your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income to make your payments more affordable. The typical HAMP modification results in a 40 percent drop in a monthly mortgage payment. Eighteen percent of HAMP homeowners reduce their payments by $1,000 or more. Click Here for more information.
  • Principal Reduction Alternative (PRA): PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information.  
  • Second Lien Modification Program (2MP): If your first mortgage was permanently modified under HAMP SM and you have a second mortgage on the same property, you may be eligible for a modification or principal reduction on your second mortgage under 2MP. Likewise, If you have a home equity loan, HELOC, or some other second lien that is making it difficult for you to keep up with your mortgage payments, learn more about this MHA program. Click Here for more information.
  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.

“Underwater” Mortgages

In today's housing market, many homeowners have experienced a decrease in their home's value. Learn about these MHA programs to address this concern for homeowners.

  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP. HARP is designed to help you refinance into a new affordable, more stable mortgage. Click Here for more information.
  • Principal Reduction Alternative: PRA was designed to help homeowners whose homes are worth significantly less than they owe by encouraging servicers and investors to reduce the amount you owe on your home. Click Here for more information.  
  • Treasury/FHA Second Lien Program (FHA2LP): If you have a second mortgage and the mortgage servicer of your first mortgage agrees to participate in FHA Short Refinance, you may qualify to have your second mortgage on the same home reduced or eliminated through FHA2LP. If the servicer of your second mortgage agrees to participate, the total amount of your mortgage debt after the refinance cannot exceed 115% of your home’s current value. Click Here for more information.

 Assistance for Unemployed Homeowners

  • Home Affordable Unemployment Program (UP): If you are having a tough time making your mortgage payments because you are unemployed, you may be eligible for UP. UP provides a temporary reduction or suspension of mortgage payments for at least twelve months while you seek re-employment. Click Here for more information.
  • Emergency Homeowners’ Loan Program (EHLP):  Click Here for more information about EHLP assistance provided in your state.
  • FHA Special Forbearance: If you are having difficulty making mortgage payments because you are unemployed and have no other sources of income, you may be eligible for FHA's Special Forbearance.  FHA now requires servicers to extend the forbearance period, by offering a reduced or suspended mortgage payment for up to twelve months, for FHA borrowers who qualify for the program. Click Here for more information.

Managed Exit for Borrowers

  • Home Affordable Foreclosure Alternatives (HAFA): If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure through HAFA SM. Click Here for more information.
  • “Redemption”is a period after your home has already been sold at a foreclosure sale when you can still reclaim your home. You will need to pay the outstanding mortgage balance and all costs incurred during the foreclosure process.

Contact Your Lender

If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer directly to inquire about foreclosure prevention options that are available. If you are experiencing difficulty communicating with your mortgage lender or servicer about your need for mortgage relief, there are organizations that can help by contacting lenders and servicers on your behalf. 

 

Assistance for FHA-Insured Homeowners

The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its  National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) borrowers facing financial hardship or unemployment and whose mortgage is either in default or at risk of default.

  • Click Here to log onto the NSC Loss Mitigation Programs home page.
  • Click Here for answers to Frequently Asked Questions about FHA’s loss mitigation programs.

Contact FHA

FHA staff are available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs. There are several ways you can contact FHA for more information, including:

  • Call the National Servicing Center at (877) 622-8525
  • Call the FHA Outreach Center at 1-800-CALL FHA (800-225-5342)
  • Persons with hearing or speech impairments may access this number via TTY by calling the Federal Information Relay Service at (800) 877-8339.
  • Email the FHA Resource Center
  • The Online FHA Resource Center

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BUFFALO TEXAS tspan:3m BUFFALO TEXAS




Two years of community college free for responsible students in BUFFALO TEXAS

The President unveiled a new proposal: Make two years of community college free for responsible students across America.

In our growing global economy, Americans need to have more knowledge and more skills to compete -- by 2020, an estimated 35 percent of job openings will require at least a bachelor's degree, and 30 percent will require some college or an associate's degree. Students should be able to get the knowledge and the skills they need without taking on decades' worth of student debt.


The numbers:

If all 50 states choose to implement the President's new community college proposal, it could:

  • Save a full-time community college student $3,800 in tuition per year on average
  • Benefit roughly 9 million students each year

Under President Obama's new proposal, students would be able to earn the first half of a bachelor's degree, or earn the technical skills needed in the workforce -- all at no cost to them.


The requirements:

  • What students have to do: Students must attend community college at least half-time, maintain a 2.5 GPA, and make steady progress toward completing their program.
  • What community colleges have to do: Community colleges will be expected to offer programs that are either 1) academic programs that fully transfer credits to local public four-year colleges and universities, or 2) occupational training programs with high graduation rates and lead to in-demand degrees and certificates. Community colleges must also adopt promising and evidence-based institutional reforms to improve student outcomes.
  • What the federal government has to do: Federal funding will cover three-quarters of the average cost of community college. Participating states will be expected to contribute the remaining funds necessary to eliminate the tuition for eligible students.

Expanding technical training programs:

President Obama also proposed the new American Technical Training Fund, which will expand innovative, high-quality technical training programs across the country. Specifically, the fund will award programs that:

  • Have strong employer partnerships and include work-based learning opportunities
  • Provide accelerated training
  • Accommodate part-time work

Read the full fact sheet on the President's proposal here.

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A generic drug is an identical copy of another factory named

1. What are generic drugs?

A generic drug is an identical copy of another factory named. The same dosage, safety, strength, desired effect, how to use and final results, unless the trademark.

2. Are the equally safe generic drugs to leading factory name? 

Yes. The FDA requires that all drugs are safe and effective. Being that the generic use the same active ingredients and work in the body in the same way as the original, also have the same risks and benefits.

 3. Are the equally powerful to the original generic drugs?

Yes. The FDA requires that generic drugs are of the same quality, strength, purity and stability as their counterparts with factory name.

4. generic drugs need more time to work in the body?

No. Generic drugs work in the same way and for the same period of time the drugs trade name.

5. Why are generic drugs less expensive?

One of the main reasons is because the manufacturers of generic drugs did not have to invest money to the developers of the original drug spent on the new product. New drugs are developed and protected by a patent. The patent protects the investment-including research, development, distribution and advertising-giving the company the sole right to sell the drug while it remains in effect. When approaching the expiration of the patent, manufacturers pueded submit an application to the FDA to sell generic versions of the drug. Since these manufacturers do not incur these costs desarrolllo the product as the first, can sell the generic version at substantial discounts. There is also more competition and less advertising, which helps keep the price down. Today, almost half of all drug prescriptions are replaced with generic versions.

6. Are drugs with name brand, produced in more modern facilities than generic?

No. Both facilities must meet manufacturing requirements required by the FDA. The agency does not allow drug manufacturing facilities of inferior quality. The FDA annually conducts about 3,500 inspections to ensure that regulations are met. The signatures of generic drugs work comparable to those of drugs called factory facilities. Indeed, the producers of original drugs produce approximately about 50 percent of generic drugs; frequently make copies of their own brand and other firms that are sold without the original name.

7. If the name drugs and generic factory have the same active ingredients, why they look different?

In the United States the law does not allow a generic drug look exactly the same to another name or trademark. However, a generic drug must duplicate the active ingredient of the original. The colors, flavors and some inactive ingredients may be different.

8. Is it necessary that every drug has a generic equivalent?

No. When drugs called factory were introduced, most of which were protected by a patent for 17 years.This provided protection to the originator that covered the initial costs (including research and marketing expenses) to develop the new drug. However, when the patent expires, other companies can introduce genetic competing versions, but only after being put to thorough testing by the manufacturer and FDA approved.

 9. What is the best source of information about generic drugs?

Contact your doctor, pharmacist, or insurance company for more information about its generic drugs. You can also visit the FDA on the Internet: Understanding Generic Drugs. [5]










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