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8th grade students learn by blogging at Carroll Middle School


Carroll, Iowa-- New technology can bring new learning opportunities to classrooms as Rachel Menken, an 8 th grade English teacher at Carroll Middle School, learned this year. She integrated blogging into her curriculum for the first time and students were ...

Live Healthy Iowa Partners With Communities to Host 5K Events


...
14 communities across Iowa as host sites for the 2nd annual Live Healthy Iowa 5K events. The events, scheduled for Saturday, April 11, will be held in Bondurant, Carroll, Clarion, Decorah, Dike, Fairfield, Glenwood, Hiawatha, Mount Ayr, Osage, Perry ...

Richard Harrington


Surviving are sons, Clinton and Anh Harrington of Orange, Calif., Pat and Robin Harrington of Carroll, Iowa, and Don and Dawn Michelle Harrington of Hinton, Iowa; daughters, Rose Harrington of Salix, Rita and Eric Anderson of Fort Dodge, Iowa, and Lisa and ...

Branstad appoints state agency directors, regents and others


Connor Flynn of Des Moines and Mary Rathj of Marion to the Iowa Lottery Authority Board; Dr. Kyle Ulveling of Carroll, Mary Romanco of Pleasantville, and Dr. Charles Wadle of West Des Moines to the Iowa Board of Medicine; Dennis Schemmel of Grimes ...

Firm accepts Illinois marijuana grow permit covering Carroll County


Illinois Department of Agriculture spokeswoman Kristi Jones told The Associated Press today that PharmaCann was the next-highest scoring qualified applicant in District 1, which covers Carroll, Lee, Ogle and Whiteside counties. PharmaCann has 15 days to ...

Norbert Richard Thelen Anita


Iowa. Norbert was born April 3, 1935, in Carroll County, Iowa, to Sylvester J. and Mathilda E. (Neuerburg) Thelen. He attended Our Lady of Mount Carmel School in Carroll County. After 8th grade, he farmed with his family due to the death of his father.

2014-'15 Men's Hoops Blog - Penn State vs. Iowa


Carroll comes from a rather athletic family ...
The Nittany Lions return to Rec Hall on Saturday for Senior Day at 4 p.m. to face off against Iowa, SUNY Brockport and Penn. UNIVERSITY PARK, Pa. - Following a bye week, the Nittany Lion basketball team ...

Imelda Roth


Imelda "Millie" Roth, the daughter of Nick and Mary (Heller) Kramer, was born Jan. 14, 1920, in Carroll, Iowa. Her childhood years were spent in Carroll, where she received her education, graduating from Carroll High School. Millie married Earl Roth on Jan ...

Democratic Presidential Forum Planned for Carroll


CARROLL, Iowa — The Carroll County Democratic Party of Iowa is planning a presidential candidate forum for July 12th. The Party has secured the Carroll football stadium for the event. Thirty Democrats who could be possible candidates have been invited.

Upper Iowa basketball boxscores


Totals 20-55 14-19 61. UPPER IOWA (7-18, 5-16) -- Carroll 4-13 5-5 13, Buck 5-11 2-4 12, Rosenstiel 3-7 4-5 11, TerHark 1-6 0-0 3, Cleaver 1-6 0-0 2, Winkler 0-7 2-2 2, Meier 0-3 1-2 1, Benson 0-4 0-0. Totals 14-57 14-18 44. Halftime - Augustana 27-18.

My Run for Office: Why Call It a State House When So Few Mothers Are In It?


I had expected February to be another month of juggling book promotions for my ibook, Lean On and Lead, Mothering and Work in the 21st Century Economy, not to mention college applications for my oldes…

Templar Carroll is the best character in all of dragon age


Templar Carroll is the best character in all of dragon age

Tweets in Review


With the release of Dumb and Dumber 2, I am reminded of the many classic lines from the first installment. Not sure the second one will match up but we’ll always have those gems! Some of the best twee…

2 Arrested In Slayings Of Elkton Couple In Burglary


ELKTON, Md. (AP) — Authorities say two people have been arrested in the slayings of a couple during a burglary at their Elkton home. The Cecil County Sheriff’s Office reported Saturday that 25-year-o…

UPDATE: Coroner called to fatal crash in Carroll Township, York County


Update: Victim identified as 30 year old, Richard Keller, of Dillsburg. Original Post: The York County Coroner has been  called to a fatal crash in Carroll Township York County. York County 911 co…

Piketon Super Cops! (Carroll's Journey)


Nothing is as funny as watching a movie where they portray the cops as "dumb-asses". Some would say it's Hollywood taking liberties to juice up a film. If you happen to be one of these people who thin…

Energy Drinks Linked to Hyperactivity and Inattention in Children


Middle-school children who consumed more sweetened energy drinks were significantly more likely to self-report more problems with hyperactivity and inattention, according to a study in Academic Pediat…

North Jackson woman killed in Carroll County crash


KENSINGTON, Ohio (WYTV) – A North Jackson woman was killed in a crash Monday while driving a truck carrying brine from a Carroll County gas well. Terrace L. Richardson, 43, was hauling brine from the…

North Jackson woman killed in Carroll County crash


KENSINGTON, Ohio (WKBN) – A North Jackson woman was killed in a crash Monday while driving a truck carrying brine from a Carroll County gas well. Terrace L. Richardson, 43, was hauling brine from the…

Adventures in Carroll Land – I’ve been teaching here half my life…


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SPECIAL INFORMATION FOR CARROLL

What do you know about abuse of women in CARROLL IOWA ?

Click the red escape button above to immediately leave this site if your abuser may see you reading it.

Signs of abuse

It can be hard to know if you´re being abused. You may think that your husband is allowed to make you have sex. That´s not true. Forced sex is rape, no matter who does it. You may think that cruel or threatening words are not abuse. They are. And sometimes emotional abuse is a sign that a person will become physically violent.

Below is a list of possible signs of abuse. Some of these are illegal. All of them are wrong. You may be abused if your partner:

  • Monitors what you´re doing all the time
  • Unfairly accuses you of being unfaithful all the time
  • Prevents or discourages you from seeing friends or family
  • Prevents or discourages you from going to work or school
  • Gets very angry during and after drinking alcohol or using drugs
  • Controls how you spend your money
  • Controls your use of needed medicines
  • Decides things for you that you should be allowed to decide (like what to wear or eat)
  • Humiliates you in front of others
  • Destroys your property or things that you care about
  • Threatens to hurt you, the children, or pets
  • Hurts you (by hitting, beating, pushing, shoving, punching, slapping, kicking, or biting)
  • Uses (or threatens to use) a weapon against you
  • Forces you to have sex against your will
  • Controls your birth control or insists that you get pregnant
  • Blames you for his or her violent outbursts
  • Threatens to harm himself or herself when upset with you
  • Says things like, "If I can´t have you then no one can."

If you think someone is abusing you, get help. Abuse can have serious physical and emotional effects. No one has the right to hurt you.

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Healthy vs. unhealthy relationships

Sometimes a relationship might not be abusive, but it might have some serious problems that make it unhealthy. If you think you might be in an unhealthy relationship, you should be able to talk to your partner about your concerns. If you feel like you can´t talk to your partner, try talking to a trusted friend, family member, or counselor. Consider calling a confidential hotline to get the support you need and to explore next steps. If you´re afraid to end the relationship, call a hotline for help.

Signs of an unhealthy relationship include:

  • Focusing all your energy on your partner
  • Dropping friends and family or activities you enjoy
  • Feeling pressured or controlled a lot
  • Having more bad times in the relationship than good
  • Feeling sad or scared when with your partner

Signs of a healthy relationship include:

  • Having more good times in the relationship than bad
  • Having a life outside the relationship, with your own friends and activities
  • Making decisions together, with each partner compromising at times
  • Dealing with conflicts by talking honestly
  • Feeling comfortable and able to be yourself
  • Feeling able to take care of yourself
  • Feeling like your partner supports you

If you feel confused about your relationship, a mental health professional can help. Remember, you deserve to be treated with respect.

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More information on Am I being abused?

Read more from womenshealth.gov

Explore other publications and websites

Connect with other organizations

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Avoiding Foreclosure in CARROLL IOWA

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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Take Action to Improve Your Financial Situation in CARROLL IOWA

By Katie Bryan, America Saves Communications Director.

America Saves Week, February 24 – March 1, 2014, is a time to review your finances, decide what you want to save for, and set up a system that will allow you to save automatically. That’s why the America Saves Week theme is Set a Goal. Make a Plan. Save Automatically. Did you know that only half of Americans report having good savings habits? Even if you are already saving, it’s good to take a look at your goals and decide if you can save more or start a new savings goal. Join thousands of others who are pledging to pay down debt, save money, and take financial action during America Saves Week.

Not sure what to save for or what to save for next? Here are the most popular saving goals of those who have pledged to save through America Saves:

· Save for Emergencies - Only 37 percent of low-to-moderate income households have a savings or money market account at a bank or credit union and nearly a quarter of savers who have pledged to save have chosen “emergency savings” as their first wealth-building goal. Learn more.

· Save for Education - Saving for education is the second most popular goal savers select when they pledge to save with America Saves. There are many different things to factor in when saving and paying for college. Learn more.

· Pay Down Debt - Getting out of debt is the #3 goal Savers select when they pledge to save. That does not come as a surprise since a 2012 survey found that 45% of families with annual incomes under $50,000 rely on credit cards to pay for basic needs such as rent, utilities, insurance and food. Learn more.

· Save for a Home - For decades, home ownership has been the main path to wealth for most Americans. Today, home equity - the market value of a home minus the balance on any home loans - represents more than four-fifths of the typical family’s wealth. Learn more.

· Save for Retirement - Retirement savings is a top priority for many Savers. Saving for retirement now will ensure that you have enough money to maintain a comfortable standard of living when you stop or reduce the amount of hours you work. Learn more.

Not sure how to save for your goals? Here are some saving strategies to help:

· Save Automatically - The easiest and most effective way to save is automatically. This is how millions of Americans save at their bank or credit union, and how millions of employees save through 401(k) and other retirement programs at work. Learn more.

· Save at Tax Time - Do you spend weeks eagerly anticipating your tax refund? When the money finally comes in, is it gone tomorrow? Many people view tax refunds as unplanned bonuses. They see the money as a gift from the government, to use for splurges or treats. But a tax refund provides the opportunity to improve your financial situation. Learn more.

Take the America Saves Pledge (or re-pledge) today to set your savings goal and make a plan to save. When you take the pledge you can also choose to receive text message tips and reminders to help you save for your goal. And don’t forget to follow America Saves on Facebook and Twitter.

America Saves Week is coordinated by America Saves and the American Savings Education Council. Started in 2007, the Week is an annual opportunity for organizations to promote good savings behavior and a chance for inpiduals to assess their own saving status

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If people in the media cannot decide whether they are in the
business of reporting news or manufacturing propaganda,
it is all the more important that the public understand
that difference,and choose their news sources accordingly.
Thomas Sowell

Newsof.org. Selected the top stories of the city of CARROLL IOWA. Political events, traffic accidents on highways, downtown events, neighborhoods and inside. Also researched local newspapers and social networks, as well as the site of City Hall. Crimes, are always subject to demand generally for information. Also the tragedies and disasters such as fires, floods, flooding, rain, hail and winds. Tags: Breaking News, CARROLL IOWA, City, Indoors, Monday, Tuesday, Wednesday, Thursday , Friday, Saturday, Sunday, Car, Crash, Elections, Beating, Accident, Crime, Police, Criminal, Police, Road, Highway Access, Elections, Party, Hail, Rain, Flood, Anniversary, Award, Month, Week End , Today, Yesterday, Female, Male, Family, Child, People.