CHERRYVALE NEWS AND BLOG


Latest News - CHERRYVALE

Cafe Bonai- Come Tell Your Story


Do you just love learning more about people through their stories? Join us for our very first Story Slam Open Mic at Bonai Coffee House on February 8th, 3-5pm, 1527 Cherryvale Rd., Boulder, CO 80303. Interested in telling a story? Here are the rules ...

Jan. 29 update: Area, state high school basketball stat leaders


12 ...
182 ...
15.2 Nunnery, Hays ...
9 ...
137 ...
15.2 Wessel, Golden Plains ...
9 ...
137 ...
15.2 Trout, Cherryvale ...
14 ...
212 ...
15.1 McCartney, Hesston ...
13 ...
196 ...
15.1 Holloway, Russell ...
12 ...
166 ...
15.1 Ky. Comley, Sterling

Kansas' birthday


What other film of hers had a Kansas connection? 8. What actress from Cherryvale starred in "I Love Lucy"? 9. A lot of people know "Buffalo Bill" Cody used to hunt buffalo to feed railroad workers in Hays. However, what building in Hays is named after the ...

Trojan Tribune — Upcoming Events


29-Foreign Language Club Latin Dance @ Cafeteria 7 p.m. 30-FBLA District @ Cherryvale 8:30 a.m. -Basketball @ LCHS 4:30 p.m. 3-Basketball @ Frontenac 4:30 p.m. 4-FFA Meats/Agronomy @ Yates Center 9 a.m. 5-Scholars Bowl Regionals @ Fort Scott 3 p.m. 6 ...

Cherryvale takes two from Neodesha


NEODESHA — The Cherryvale Chargers, weary from the recently completed Wilson County Classic, still had the energy to win handily in two varsity games against Neodesha here Tuesday night. The Chargers won 68-51 and the Lady Chargers won 44-30. In the boys ...

Winnebago County Sheriff mulls revamp of police chase policy


In August, Rockford attorney Karen Williams was killed after a vehicle fleeing Boone County police into Winnebago County crashed into Williams’ vehicle in the 2000 block of South Perryville Road near Menards and CherryVale Mall. It's unclear how a new ...

James W. Wade


James and Barbara celebrated their 41st wedding anniversary on Jan. 25, 2015. They were married in Cherryvale United Methodist Church by Rev. Arthur E. Grant. James was a wonderful husband and enjoyed their visits to The Great Smoky Mountains in Tennessee.

Marilyn Heape


She later married Robert L. Heape in Minot. To that union, one son was born. In 1974, the family moved to rural Cherryvale, Kan., where they lived until 1980. She then moved to Parsons, where she worked at the former Katy Hospital prior to her employment ...

Four New Stores Coming to CherryVale Mall


ROCKFORD (WIFR) -- Officials with CherryVale Mall say the shopping center is bringing in four new stores, all opening in the next several weeks. The stores will offer options for junior apparel, fashion accessories, and more. Ooh La La beauty bar is slated ...

An ice day of crappie fishing


Indeed, he did. For months Clay had planned this media trip to the lake that’s within a few miles of his Cherryvale home. The original intent was to focus on a morning hunting late-season mallards, then a few afternoon hours for some winter crappie fishing.




SPECIAL INFORMATION FOR CHERRYVAL

Avoiding Foreclosure in CHERRYVAL

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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CHERRYVALE tspan:3m CHERRYVALE




There are more opportunities than ever for those receiving benefits from Social Security Disability Insurance [Social Security Disability Insurance (SSDI)] and SSI [Supplemental Security Income (SSI)] to learn job skills and find permanent employment in CHERRYVAL.

If you are looking for work, or are new to the workforce, familiarize yourself with the Americans with Disabilities Act [Americans with Disabilities Act (ADA)] of 1990 , a federal civil rights law designed to prevent discrimination and enable people with disabilities to participate fully in all aspects of society.

A fundamental principle of the ADA is that people with disabilities who want to work and are qualified to do so should have equal employment opportunities.

This booklet answers questions you may have about your employment rights under the ADA.

How do I know if I am protected by the ADA?

To be protected, you must be a qualified individual with a disability. This means you must have a disability as defined by the ADA. Under the ADA, you have a disability if he has a physical or mental impairment that substantially limits a major life activity such as hearing, seeing, speaking, thinking, walking, breathing, or performing manual tasks. You must also be able to perform the job for which you want to be hired, or for which you have been hired, with or without reasonable accommodation.

What are my rights under the ADA?

The ADA protects you from discrimination in all employment practices, including: job application procedures, hiring, firing, training, pay, promotions, benefits and licenses. You are also right not to be harassed because of your disability and your employer can not fire or discipline you for asserting your rights under the ADA. More importantly, you have the right to request reasonable for the hiring process and employment functional adaptations.

What is a "reasonable accommodation"?

A reasonable accommodation is any modification or adjustment to a job, work environment or how they usually do things that would allow you to apply for a job, work, or enjoy equal access to the benefits available to others in the workplace. There are many things that can help people with disabilities work successfully. Some of the most common types of accommodations are:

  • physical changes, such as installing a ramp or modifying the workspace or services;
  • sign language interpreters for the deaf or blind readers;
  • provide a quiet space or other changes to reduce noise distractions for someone with mental disabilities;
  • training and written materials in accessible formats such as Braille or audio cassette or computer discs;
  • TTY for deaf can use the telephone, and computer hardware and software to facilitate computer access for people with visual impairments or who have difficulty using their hands; and
  • licenses disability who needs treatment.

    What should I do if I think I need a reasonable accommodation?

    If you think you need a reasonable accommodation for the job application process or at work, you must apply. You may request a reasonable accommodation at any time during the job application, or any time before or after starting work. How do I request a reasonable accommodation? Just let your employer who needs an adjustment or change because of their disability. Needless to complete special forms or use technical language to do so. For example, if you use a wheelchair and it does not fit under your desk, you should talk to your supervisor. This is a request for a reasonable accommodation. A doctor´s note requesting disability leave or saying that you can work with certain restrictions is also a request for reasonable accommodation. What happens after making a request for a reasonable accommodation? Once you have made the request for reasonable accommodation, the employer must discuss the options available to you. If you have a disability that is not obvious, the employer may require documentation that demonstrates and explains why you need a reasonable accommodation. You and your employer must work together to determine an appropriate accommodation.

    For more information on labor support, contact the Social Security Administration [Social Security Administration] to:

    1-800-772-1213 (voice)

    1-800-325-0778 (TTY) www.ssa.gov/work [2]




  • How can I prepare for breastfeeding before I give birth?

    baby-breastfeedingTo prepare for breastfeeding, the most important thing you can do is have confidence in yourself and to plan ahead. Committing to breastfeeding starts with the conviction that you can do it! Other steps you can take to prepare for breastfeeding are:
    • Get good prenatal care, which can help you avoid early delivery. Babies born too early have more problems with breastfeeding.
    • Tell your doctor about your plans to breastfeed, and ask if the place where you plan to deliver your baby has the staff and setup to support successful breastfeeding. Some hospitals and birth centers have taken special steps to create the best possible environment for successful breastfeeding. These places are called Baby-Friendly Hospitals and Birth Centers.
    • Take a breastfeeding class. Pregnant women who comprehend about how to breastfeed are more likely to be successful at breastfeeding than those who do not. Breastfeeding classes offer pregnant women and their partners the chance to prepare and ask questions before the baby´s arrival.
    • Ask your doctor to recommend a lactation consultant. You can establish a contact with a lactation consultant before the baby comes so that you will have support ready after the baby is born.
    • Talk to your doctor about your health. Discuss any breast surgery or injury you may have had. If you have depression, or are taking supplements or medicines, talk with your doctor about treatments that can work with breastfeeding.
    • Tell your doctor that you would like to breastfeed as soon as possible after delivery. The sucking instinct is very strong within the baby´s first hour of life.
    • Talk to friends who have breastfed, or consider joining a breastfeeding support group.
    • Talk to fathers, partners, and other family members about how they can help you successfully breastfeed. Partners and family members can:
      • Support your breastfeeding by being kind and encouraging
      • Show their love and appreciation for all of the work that goes into breastfeeding
      • Be good listeners if you need to talk about any breastfeeding concerns you might have
      • Help make sure you have enough to drink and get enough rest
      • Help around the house
      • Take care of any other children who are at home
      • Give the baby love through playing and cuddling
    • Get the items you will need for breastfeeding, such as nursing bras, covers, and nursing pillows.
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