CENTRAL LAKE MICHIGAN
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Latest News - CENTRAL LAKE MICHIGAN

Polar face! Lady Gaga and Vince Vaughn dip into freezing cold Lake Michigan water for Chicago charity event after city's coldest February since 1875


Lake Michigan was estimated to be right at freezing when the event began at 10.30am Central Time. Organizers say that 5,000 people were expected to attend the plunge, and that they had already made more than $1million during the morning, according to ABC7.

Manistee Fire Crews Battling Large Commercial Fire


Central dispatch says several fire departments are battling ...
Whether be it a man or a woman, good hair can't be...
Lake Michigan Ice Formations Attract Tourists Once Again Lake Michigan Ice Formations Attract Tourists Once Again Ice caves are back ...

Girls basketball district schedules


Portage Northern/Mattawan, 7; Kalamazoo Central vs. Niles/Stevensville Lakeshore, 5:30 Fri: Final, 7 No. 2 at Holt Mon.: Mason at Holt, 7; Jackson at Kalamazoo Loy Norrix, 7; Richard Gull Lake at Battle Creek Lakeview, 7 Wed.: Battle Creek vs. Holt/Mason ...

Michigan Football: 10 Wolverines Who Could Surprise People This Spring


There is enough untapped talent on Michigan’s roster to forecast several potential ...
a true freshman—so there is certainly more around the bend for the former Salt Lake City Highland superstar. He's a cut above the rest. His pass-rushing abilities ...

Pesticide applicator training and exam scheduled for February 26 in Central Lake


MDARD will offer a pesticide applicator exam session at the same location in Central Lake, Michigan. The session will begin at 1 p.m. and run until exams are complete. Participants may take either the Private Applicator or Commercial Applicator Exams.

Tuesday’s Michigan high school basketball scores


Houghton Lake, ccd. Zeeland West vs. Byron Center, ppd. Grand Rapids Northview vs. Cedar Springs, ppd. Muskegon Orchard View vs. Howard City Tri-County, ppd. Fremont vs. Manistee, ccd. Montague vs. Muskegon Catholic Central, ppd. White Cloud vs.

Kalamazoo Central 58, Gull Lake 46: Maroon Giants clinch share of SMAC East title


KALAMAZOO, MI — It took a little bit for Kalamazoo Central’s girls basketball team to get started, but once it did, there was no stopping the Maroon Giants. For the second time this year, Kalamazoo Central (14-4, 8-0) got the best of Gull Lake in a bat ...

Kids Count in Michigan survey shows improvements in education, declines in economic security


A tie for the top rating went to Livingston County, home to northern suburbs of Detroit and the state's third-highest per capita income, and Ottawa County along the central Lake Michigan coast. Both had low rates for child poverty and abuse investigations.

Report Shows Improvements In Education For Michigan Kids


A tie for the top rating went to Livingston County, home to northern suburbs of Detroit and the state’s third-highest per capita income, and Ottawa County along the central Lake Michigan coast. Both had low rates for child poverty and abuse investigations.

Hemphill's steal and slam gives City big home win over Lake Central


MICHIGAN CITY | No one in their right mind would want to ...
emotion,” Hemphill said after Tuesday night's dramatic 56-52 win over visiting Times No. 5 Lake Central. “I didn't show anything on my face. I just kept playing. But inside I was jumping ...

High school wrestling: Crystal Lake Central takes 4th at dual team state


BLOOMINGTON – With a 41-23 win against Lemont in the quarterfinals of the dual team state tournament at US Cellular Coliseum, Crystal Lake Central was guaranteed a state trophy for the first time sinc…

CV too charitable in loss to Moses Lake


To Central Valley boys basketball coach Rick Sloan sometimes it’s the little things that are the difference in a competitive game. Friday, it was something big and glaring – poor free-throw shooting. …

Morning Meanderings… A Good Day To Jump In The Lake


Good morning!  As the sun comes up this morning in Central Minnesota I am prepping to leave for my two-hour drive to Anoka MN where at approximately 1:45 pm today, I along with many many other crazy p…

Man Disappears After Boat Capsizes in Lake Kinneret


A man from Israel’s central region has disappeared after his boat overturned in Lake Kinneret (Sea of Galilee), about 400 meters off of Dugit Beach. An eyewitness alerted police. Shortly thereafter, p…

Man Disappears After Boat Capsizes in Lake Kinneret


A man from Israel’s central region has disappeared after his boat overturned in Lake Kinneret (Sea of Galilee), about 400 meters off of Dugit Beach. An eyewitness alerted police. Shortly thereafter, p…

Corinthia Hotel a gem in central London


Stunning, almost surreal, in style and size, a stay at London’s Corinthia Hotel is well worth it if only for its superb spa spanning four floors. Displaying dramatic Calacatta and black Italian marbl…

Rediscovering New York: A Snowy Reunion in Central Park


It’s been over three months since my last visit to The Lake in Central Park and the kaleidoscope of Fall colors is no more, leaving in its wake a monochromatic landscape of naked trees and snow. Fifte…

Eating in Central America


by Maria Ruiz Maria often shares stories with us about Santa Barbara history, her travel all over the world, her dogs, and life. When we left the U.S. to begin our travels, I thought that I would ne…

Running a few errands downtown before this morning’s @citypresslc service. Join us for church over in Central Ninth at @localfirstutah (865 S 200 W) at 10 AM. #downtownslc #saltlakecity #retrospec #urbancycling


Downtown Salt Lake City photo by markpeach70 Share this photo with your friends below! :)

J-L 72, Central Lake 49: Cards cruise past Trojans early in Ski Valley win


CENTRAL LAKE — Johannesburg-Lewiston went to work in the first quarter Friday and Central Lake could never recover. The Cardinals, 11-4 overall and 11-3 in the Ski Valley, bullied the Trojans early on…




SPECIAL INFORMATION FOR CENTRAL LAKE

Avoiding Foreclosure in CENTRAL LAKE MICHIGAN

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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CENTRAL LAKE MICHIGAN tspan:3m CENTRAL LAKE MICHIGAN




Make Your Health Benefits Work for You in CENTRAL LAKE MICHIGAN

The Department of Labor´s Employee Benefits Security Administration (EBSA) administers several important health benefit laws covering employer-based health plans. They govern your basic rights to information about how your health plan works, how to qualify for benefits, and how to make claims for benefits.

In addition, there are specific laws protecting your right to health benefits when you lose coverage or change jobs. EBSA also oversees health care laws covering special medical conditions. For more information on the laws that protect your benefits, see EBSA´s Website. Or call the agency toll free at 1-866-444-3272 to reach a regional office near you. These 10 tips can help make your health benefits work better for you.

1. Explore Your Options for Health Coverage

You have options for health coverage. There are many different types of health benefit plans. Find out what your employer offers, then check out the plan (or plans). Your employer´s human resource office, the health plan administrator, or your union can provide information to help you match your needs and preferences with the available plans. Or consider a health plan through the Health Insurance Marketplace. Visit HealthCare.gov to see the health plan options available in your area. Get information about all of your options and review it. The more information you have, the better your health care decisions will be.

2. Review the Benefits Available

Do the plans offered cover the benefits that are important to you, such as mental health services, well-baby care, vision or dental care? Are there deductibles? What are the out-of-pocket expenses you may face? Determine your needs and priorities. Compare all of your options before you decide which coverage to elect. Matching your needs and those of your family members will result in the best possible benefits. Cheapest may not always be best. Your goal is high quality health benefits.

3. Read Your Plan´s Summary Plan Description (SPD) for the Wealth of Information It Provides

Your health plan administrator should provide a copy. It outlines your benefits and your legal rights under the Employee Retirement Income Security Act (ERISA), the Federal law that protects your health benefits. It also should contain information about the coverage of dependents, what services will require a co-payment or coinsurance, and the circumstances under which your employer can change or terminate a health benefits plan. You also can find many of the answers to your questions in the Summary of Benefits and Coverage (SBC), a short, easy-to-understand summary of what a plan covers and what it costs. You should receive a copy with your enrollment materials. Save the SPD, the SBC, and all other health plan brochures and documents, along with memos or correspondence from your employer relating to health benefits.

4. Use Your Health Coverage

Once your health coverage has started, use it to help cover medical costs for services like going to the doctor, filling prescriptions or getting emergency care. Using your benefits will help you and your family stay healthy and reduce your health care costs. The Patient Protection and Affordable Care Act (ACA) provides many valuable protections for people enrolled in employment-based health plans including prohibiting preexisting condition exclusions and annual and lifetime limits on essential health benefits. What’s more, many plans cover certain preventive services for free, including routine vaccinations, regular well-baby and well-child visits, blood pressure, diabetes and cholesterol tests, and many cancer screenings. You also can keep your children on your health plan until age 26. Take advantage of your benefits, especially free preventive care if your plan covers it. If you were required to pay cost-sharing for a preventive service, check your Explanation of Benefits and ensure that the provider billed the service properly.

5. Understand Your Plan’s Mental Health and Substance Use Coverage

Many health plans provide coverage for mental health and substance use disorder benefits. If a plan does offer these benefits, the financial requirements (such as co-payments and deductibles) and the quantitative treatment limits (such as visit limits) for the mental health and substance use disorder benefits cannot be more restrictive than the financial requirements or treatment limits applied to medical/surgical benefits. Plans also cannot impose lifetime and annual limits on the dollar amount of mental health and substance use disorder services, including behavioral health treatment. Some plans cover preventive services like screenings for depression and child behavioral assessments for free. Check your SPD and SBC to find out what your plan covers.

6. Look For Wellness Programs

More employers are establishing wellness programs that encourage employees to work out, stop smoking, and generally adopt healthier lifestyles. The Health Insurance Portability and Accountability Act (HIPAA) and the ACA encourage group health plans to adopt wellness programs but also includes protections for employees and dependents from impermissible discrimination based on a health factor. These programs often provide rewards such as cost savings as well as promoting good health. Check your SPD and SBC to see whether your plan offers a wellness program(s). If your plan does, find out what reward is offered and what you need to do to receive it.

7. Know How to File an Appeal if Your Health Benefits Claim is Denied

Understand your plan’s procedures for filing a claim for benefits and where to make appeals of the plan´s decisions. Pay attention to time limits – make sure you timely file claims and appeals and that the plan makes decisions on time. Keep records and copies of correspondence. Check your health benefits package and your SPD to determine who is responsible for handling problems with benefit claims. Contact EBSA for assistance if you are unable to obtain a response to your complaint.

8. Assess Your Benefits Coverage as Your Family Status Changes

Marriage, Porce, childbirth or adoption, the death of a spouse, and aging out of a parent’s health plan are life events that may signal a need to change your health benefits. You, your spouse, and your dependent children may be eligible for special enrollment into other employer health coverage or through the Health Insurance Marketplace. Even without life-changing events, the information provided by your employer should tell you how you can change benefits or switch plans. If you’re considering special enrollment, act quickly. You have 30 days after the life event to request special enrollment in other employer coverage or 60 days to select a plan in the Marketplace.

9. Be Aware that Changing Jobs and Other Work Events Can Affect Your Health Benefits

If you change employers or lose your job, you may need to find other health coverage. If you have a new job, consider enrolling in your new employer’s plan. Whether starting or losing a job, you may be eligible to special enroll in a spouse’s employer-sponsored plan or through the Health Insurance Marketplace. Under the Consolidated Omnibus Budget Reconciliation Act – better known as COBRA – you, your covered spouse, and your dependent children may be eligible to continue coverage under your former employer-sponsored plan. This coverage is temporary (generally 18 to 36 months) and you may have to pay the entire premium plus a 2 percent administrative charge. Get information on your coverage options and compare. Be aware of the deadlines for deciding on coverage and find out when your new coverage will be effective.

10. Plan For Retirement

Before you retire, find out what health benefits, if any, extend to you and your spouse during your retirement years. Consult with your employer´s human resources office, your union, or the plan administrator. Check your SPD and other plan documents. Make sure there is no conflicting information among these sources about the benefits you will receive or the circumstances under which they can change or be eliminated. With this information in hand, you can make other important choices, like finding out if you are eligible for Medicare and Medigap insurance coverage. If you want to retire before you are eligible for Medicare and your employer does not provide health benefits in retirement, consider what you will do for health coverage. Your options may include enrolling in a spouse’s employer plan or in a Marketplace plan or temporarily continuing your employer coverage by electing COBRA. Planning for retirement includes planning for your health coverage in retirement. To find out more, read Taking the Mystery Out of Retirement Planning.

These Laws Can Help

  • The Employee Retirement Income Security Act – Offers protection for inPiduals enrolled in retirement, health, and other benefit plans sponsored by private-sector employers, and provides rights to information and a claims and appeals process for participants to get benefits from their plans.
  • The Patient Protection and Affordable Care Act – Creates the Health Insurance Marketplace and provides protections for employment-based health coverage, including extending dependent coverage of children to age 26; prohibiting preexisting condition exclusions and prohibiting lifetime and annual limits on essential health benefits.
  • The Consolidated Omnibus Budget Reconciliation Act – Contains provisions giving certain former employees, retirees, spouses, and dependent children the right to purchase temporary continuation of group health plan coverage at group rates in specific instances.
  • The Health Insurance Portability and Accountability Act – Allows employees, their spouses and their dependents to enroll in employer-provided health coverage regardless of open enrollment periods if they lose coverage or in the event of marriage, birth, adoption or placement for adoption. Also prohibits discrimination in health care coverage.
  • The Women´s Health and Cancer Rights Act – Offers protections for breast cancer patients who elect breast reconstruction in connection with a mastectomy.
  • The Newborns´ and Mothers´ Health Protection Act – Provides rules on minimum coverage for hospital lengths of stay following childbirth.
  • The Genetic Information Nondiscrimination Act – Prohibits discrimination in group health plan premiums based on genetic information. Also, generally prohibits group health plans from requesting genetic information or requiring genetic tests.
  • The Mental Health Parity and Addiction Equity Act and the Mental Health Parity Act – Requires parity in financial requirements and treatment limitations for mental health and substance use benefits with those for medical and surgical benefits.
  • The Children´s Health Insurance Program Reauthorization Act – Allows special enrollment in a group health plan if an employee or dependents lose coverage under CHIP or Medicaid or are eligible for premium assistance under those programs.

For More Information

Visit the Employee Benefits Security Administration’s Website to view the following publications. To order copies or to request assistance from a benefits advisor, contact EBSA electronically or call toll free 1-866-444-3272.

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Cautions with Jasbug in CENTRAL LAKE MICHIGAN

The "Jasbug" is a flaw in the way that computers have access to a network. If any of the hackers had known this since 2000, they could have used to infiltrate computer systems company and take complete control.

Suppose you use your laptop and public access to Wi-Fi to connect to the office computers. Hackers nearby could spy, steal documents or introduce malware ... I mean, everything.

There is still no evidence that someone has taken advantage of Jasbug and did this. But it may be too early to say.

Microsoft considered that the gravity of this situation was "critical". Even Alert guaranteed by the Department of Homeland Security and similar warnings from major companies in cybersecurity.

Jasbug affects everything from Windows Vista to Windows 8.1 newer. This is the kind of problem that will give you many headaches for system administrators and IT staff of the company.

Some mistakes are too embedded in the code. The Jasbug was so embedded that Microsoft had to return to restructure some basic parts of Windows.

Consider this another example of that small defects embedded in computer code could give you problems later. In fact, Microsoft did not even find on your own.

Jeff Schmidt, an independent researcher JAS Global Advisors in Chicago, discovered a year ago while working on another project. He alerted Microsoft and have since worked together to fix this error.

Why it took so long to fix it? Jasbug is a problem with the design of the Microsoft operating system itself. The company had to restructure basic parts of your engine giant ... and test it thoroughly to make sure it still worked fine.

Microsoft can not afford to make arrangements affecting a complete system. Remember that according Netmarketshare, Windows is used by 91% of computers worldwide. [10]










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