CENTRAL LAKE NEWS AND BLOG


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Crystal Lake Central surprises Hampshire


This was more grudge match than rematch. The Crystal Lake Central boys basketball team had been anticipating Saturday's tilt with Hampshire since Dec. 16, when the Whip-Purs whupped the Tigers 90-49 in a Fox Valley Conference Fox Division game. Story ...

High school competitive dance: Crystal Lake Central finishes 6th


The Crystal Lake Central girls dance team completed a highly successful season with a sixth-place finish Saturday at the state finals at U.S. Cellular Coliseum in Bloomington. The Tigers maintained their standing of sixth place from Day 1 of the ...

Central women’s basketball team falls at Buena Vista


STORM LAKE — Buena Vista used a 15-2 run in the second half to take the lead for good and defeat the Central College women’s basketball team 68-58 Saturday. The Dutch (9-10 overall, 0-8 Iowa Conference) led 35-31 with 15:30 to play before the Beavers ...

Lake of the Ozarks offers year-round fishing


If your vacation luggage always includes a tackle box, Central Missouri's Lake of the Ozarks is the perfect year-round destination for you. The Lake includes 54,000 acres of fish-filled water and is fed by several rivers and their tributaries - the ...

Central State Participates in research project on Lake Erie


WILBERFORCE — Central State University’s International Center for Water Resources Management participated in a statewide research project to create a forecasting model to predict the arrival and toxicity of algal blooms on Lake Erie. Dr. KrishnaKumar ...

Chesterton, Palombizio hold off late Lake Central challenge


CHESTERTON | It was a rough outing, by his standards, for Chesterton's Chris Palombizio. "It was my worst shooting night for a while," Palombizio said. "I'm going to be in the gym tomorrow for sure. I told (Lake Central's Austin Atkins) he played great ...

Chesterton holds off frantic Lake Central rally


Lake Central rally comes up short to Chesterton. CHESTERTON — After Chesterton's 56-53 win Friday against Lake Central, Trojans coach Tom Peller collected himself and exhaled. "We played hard for 32 minutes — we had to," he said. "We couldn't have any ...

Spring Lake 52, Muskegon Catholic Central 28: Defense, balanced scoring lead undefeated Lakers in girls basketball


SPRING LAKE, MI – Some early foul trouble to senior forward Kelsee Zuidema didn’t slow down Spring Lake’s girls basketball team. The undefeated Lakers improved to 11-0 and 5-0 in the Lakes 8 with a 52-28 victory against visiting Muskegon Catholic ...

HIGH SCHOOL SOCCER: Central and Lake View renew acquaintances


Two boys soccer teams searching for consistency will meet at Old Bobcat Stadium on Friday night. But they aren’t just any two soccer teams. The Central Bobcats will take on the Lake View Chiefs in a battle for San Angelo supremacy. The two SAISD schools ...

Sussex Central swimmers take on Lake Forest


Sussex Central swimmers take on Lake Forest Sussex Central freshman Albert Norman, 15, swims a backstroke race versus Lake Forest Thursday, Jan. 29 at Howard Ennis School in Georgetown. Check out this story on delmarvanow.com: http://www.delmarvanow.co m ...




SPECIAL INFORMATION FOR CENTRAL LAK

In CENTRAL LAK: Understanding Links Between Smoking & Weight

Maybe you quit smoking to do something good for your health, and now you’ve noticed the pounds adding up on the scale. Or maybe one of the reasons you’re not quite ready to quit is that you’re afraid of gaining weight.

Here are some of the reasons why some people gain weight when they quit:

  • Smoking lowers your appetite.
    Smoking cigarettes makes you feel less hungry. So, when you quit smoking, you might feel hungrier and then eat more than you used to eat.  
  • Smoking increases your metabolism.
    Smoking cigarettes increases your metabolism, so you burn more calories. So when you stop smoking, you may burn fewer calories which can lead to weight gain. 
  • Eating can be a substitute for smoking.
    Smoking gave you something to do with your hands and something to put in your mouth. For a lot of people, food replaces cigarettes. And the more you reach for food, the more likely it is that you will gain weight.
  • Eating may soothe the feelings that smoking used to soothe.
    Maybe smoking was your go-to when you were feeling bad. When you stop smoking, you may find that you turn to eating to feel better or to deal with stress—but this can backfire and result in weight gain.

The good news is that you can take charge of your weight even while quitting smoking. Check out Forever Free for more info about smoking and weight.

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CENTRAL LAKE tspan:3m CENTRAL LAKE




Responding To and Protecting Students from Sexual Assault in CENTRAL LAK

January 26, 2015

Courtesy of Eve Hill and Mark Kappelhoff, Deputy Assistant Attorneys General for the Civil Rights pision

Note: The sample MOU can be found at here.

President Obama established the White House Task Force to Protect Students from Sexual Assault one year ago. On this anniversary, the task force has released a sample memorandum of understanding (MOU) to assist campuses and law enforcement agencies to work together in their efforts to protect students, address the needs of sexual assault survivors, and ensure a prompt, thorough, and fair response to allegations of sexual misconduct. This is yet another important step in the task force’s effort to help colleges and universities, as well as their partners in the community, address the problem of campus sexual violence.

While colleges and universities can do much on their own, communication and collaboration between campus administrators, campus police and local law enforcement is critically important to address the problem of sexual assault on campus.

The sample MOU reflects input from task force members and agencies, outside experts on sexual assault, police associations, state attorneys general, and campus administrators and counsels.

Many colleges and universities already have MOUs in place with local law enforcement authorities covering a variety of areas. Our conversations with campus administrators, campus police, and law enforcement have underscored the need for additional tools and strategies that are specifically tailored to the dynamics of sexual assault on campus, as well as the needs of sexual assault survivors. The task force is providing this sample MOU with that in mind.

We recognize that every campus and community is unique and there is no one-size-fits-all solution. The sample MOU is, therefore, intended to be a starting point for a conversation between campus administrators, campus police and local law enforcement on how to improve collaborations between critical first responders. We fully expect that, in partnering to address the issue of sexual violence on campus, campus administrators and law enforcement will adapt the provisions of the sample MOU to meet their particular needs and circumstances. For example, some campus and law enforcement authorities may wish to incorporate some or all of the provisions into an existing general campus safety MOU, while others may prefer a standalone agreement specifically addressing campus sexual violence. Still others may decide that some different method of collaboration better meets their needs. We hope that this sample MOU will be an important resource in collaborative efforts between campus administrators, campus police and law enforcement to eradicate sexual assault from college communities nationwide.

Posted in: 

Civil Rights pision

Office on Violence Against Women

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Avoiding Foreclosure in CENTRAL LAK

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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