CIBOLO TEXAS NEWS AND BLOG


Latest News - CIBOLO TEXAS

Owner of horse 'shocked to victory with electric buzzer' by jockey says he is appalled by claims that cheating device was used - and says champion ride is in good health


The married father-of-one who runs a racing stable in rural Cibolo, just outside San Antonio, Texas, told Daily Mail Online: 'This has been really painful to me and my family. 'I'm the breeder, I've raised this horse and have had him his whole life.

Community mourns teen killed in Florida crash


CIBOLO, Texas - Friends and coaches are mourning the death of a 17-year-old who was killed in a Florida car accident Wednesday. Jaques or "Jay" Hill was a popular basketball player at Steele High School before he moved to Pensacola. He had only lived there ...

Lambert Named McDonald’s All-America


Lambert, who is a product of Cibolo, Texas, is averaging 26.2 points a contest on the season at Samuel Clemens H.S. The 5-9 point guard turned in a season-high 50 points Dec. 16 against East Central as she hit 22-of-36 field goals, while totaling nine ...

Bruce Wayne Dawson


Matthew (Patti) Dawson of Cibolo, Texas, and Michelle (Jeff) Dawson Parsley of Lebanon, Tenn. He is also survived by his grandchildren, Tanner, Clay, Layton, Christian, Liam, Hannah, Marliese, Owen and Abigail, as well as his stepgrandchildren, Katy (Bruce ...

It’s a hard job, but somebody’s got to do it: Schertz public works crews keep city going


Public work crews are working on several projects including the widening and resurfacing of Lower Seguin Road, from FM 1518 to Cibolo Creek ...
been called out for emergencies such as helping the Texas Department of Transportation de-ice highway bridges ...

Paula Mata Camacho


To this union two children were born, Melita Camacho Wise of Universal City, Texas, and Jose Camacho Jr. of Austin ...
she is survived by grandchildren Rene Wise of Universal City and Melissa Wise (Cibolo) and great grandchildren Alyssa Bailey, and ...

Chef inspired by surfer lifestyle in Tofino


Then came a busy restaurant. Now, a cookbook. The chef, who trained at the Culinary Institute of America and did a stint as executive chef of Cibolo Creek Ranch in west Texas, the state of her birth, drew on her southwestern culinary roots in launching her ...

As school choice looms in Texas, public schools use tax dollars for image rehab


In 2013, questions arose over Texas Education Service Center officials creating the ...
An October 2014 San Antonio Express-News article reported how Schertz-Cibolo-Universal City ISD, one of the county’s few non-Go Public ISDs, finally approved ...

Casa Mechanical Inks 44,000-SF Lease in Cibolo


Casa Mechanical, a local HVAC and plumbing contractor, leased the 44,000-square-foot warehouse building at 120 Industrial Dr. in Cibolo, TX. Formerly leased to aircraft supply company Fiber Art, the single-story facility delivered in 1988 in the Schneider ...

Texas Tech signing-day preview: Red Raiders aim high during recruitment


OL Terrence Steele, Cibolo Steele — The Red Raiders are reloading their offensive line, which will lose most of its starters after the 2015 season. That means this big signing class — six already have pledged their future to Texas Tech — will spend ...




SPECIAL INFORMATION FOR CIBOLO

Avoiding Foreclosure in CIBOLO

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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CIBOLO TEXAS tspan:3m CIBOLO TEXAS




Avoiding cyberbullyng in CIBOLO

Cyberbullying is bullying that takes place using electronic technology. Electronic technology includes devices and equipment such as cell phones, computers, and tablets as well as communication tools including social media sites, text messages, chat, and websites.

Examples of cyberbullying include mean text messages or emails, rumors sent by email or posted on social networking sites, and embarrassing pictures, videos, websites, or fake profiles.

Why Cyberbullying is Different

Kids who are being cyberbullied are often bullied in person as well. Additionally, kids who are cyberbullied have a harder time getting away from the behavior.

  • Cyberbullying can happen 24 hours a day, 7 days a week, and reach a kid even when he or she is alone. It can happen any time of the day or night.
  • Cyberbullying messages and images can be posted anonymously and distributed quickly to a very wide audience. It can be difficult and sometimes impossible to trace the source.
  • Deleting inappropriate or harassing messages, texts, and pictures is extremely difficult after they have been posted or sent.

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Effects of Cyberbullying

Cell phones and computers themselves are not to blame for cyberbullying. Social media sites can be used for positive activities, like connecting kids with friends and family, helping students with school, and for entertainment. But these tools can also be used to hurt other people. Whether done in person or through technology, the effects of bullying are similar.

Kids who are cyberbullied are more likely to:

  • Use alcohol and drugs
  • Skip school
  • Experience in-person bullying
  • Be unwilling to attend school
  • Receive poor grades
  • Have lower self-esteem
  • Have more health problems

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Frequency of Cyberbullying

The 2010-2011 School Crime Supplement (National Center for Education Statistics and Bureau of Justice Statistics) indicates that 9% of students in grades 6–12 experienced cyberbullying.

The 2013 Youth Risk Behavior Surveillance Survey finds that 15% of high school students (grades 9-12) were electronically bullied in the past year.

Research on cyberbullying is growing. However, because kids’ technology use changes rapidly, it is difficult to design surveys that accurately capture trends.

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How I can eat a healthy diet?

The body needs minerals, vitamins and other nutrients to stay healthy. A healthy diet means you are eating:


  • Vegetables, fruits, whole grains and non-fat dairy and low-fat
  • Fish, seafood, chicken or turkey, lean meats and low-fat, eggs, beans, peas (peas), seeds and nuts


    Limit your intake of foods rich in:


  • Cholesterol, sodium (salt) and added sugar.
  • Fat trans: fats trans can be found in foods such as cakes (or cakes), cookies, margarine that comes in bars and fried foods.
  • Saturated fats: These fats are in animal products such as cheese, high-fat meats, whole milk and butter.
  • Refined grains: refined grain products include white bread, pasta, white rice and flour tortillas, among others.


    Get a personalized diet plan to help you choose healthy foods



    Having too much cholesterol in the blood can cause heart disease or heart attack. Approximately one in six people in the United States have high cholesterol. You may have high cholesterol and not know it. Good thing its easy to get tested for cholesterol, and if you go too high, you can take steps to control it.


    Who should be tested for cholesterol?


  • Men who are 35 or more
  • Men under 35 who have heart disease or are at risk of suffering from
  • Women who have heart disease or are at risk of suffering from


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  • We selected CIBOLO TEXAS LAST NEWS AND IMPORTANT ISSUES. Share!

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