DOLAN SPRINGS ARIZONA NEWS AND BLOG


Latest News - DOLAN SPRINGS ARIZONA

Supervisors approve funds for Willow Beach hatchery


and Arizona Game and Fish officials in August ...
The district staffs three firefighters a day - two in Dolan Springs and one in Meadview. Administrator John Flynn said he wants to consolidate the district into an adjacent district and transition back ...

Dolan Springs man accused of kidnapping


DOLAN SPRINGS — Mohave County Sheriff’s deputies arrested a ...
Deputies and Officers from the Arizona Department of Public Safety responded to the area, locating the vehicle and conducting a high-risk traffic stop with the assistance of DPS on Highway ...

10 arrested after warrant sweep in Dolan Springs


DOLAN SPRINGS — A warrant sweep by the Mohave County Sheriff ...
a felony warrant for parole violation issued out of Arizona Department of Corrections and was additionally charged with possession of dangerous drugs and possession of drug paraphernalia ...

9-year-old Arizona girl accidentally shoots, kills instructor


9-year-old Arizona girl accidentally shoots, kills instructor DOLAN SPRINGS — A 9-year-old girl accidentally killed an Arizona shooting instructor as he was showing her how to use an automatic Uzi, authorities Check out this story on KHOU.com ...

MCSO: 9-year-old accidentally shoots, kills gun instructor with Uzi


DOLAN SPRINGS, AZ - A 9-year-old girl accidentally shot and killed her shooting instructor Monday in northern Arizona. According to the Mohave County Sheriff's Office, the 9-year-old was at Last Stop, an outdoor shooting range, in Dolan Springs Monday ...

Girl accidentally shoots instructor in Arizona


DOLAN SPRINGS, Ariz. (AP) -- Authorities say a 9-year-old girl has accidentally shot her shooting instructor in the head in northwestern Arizona. Mohave County Sheriff's officials say the 39-year-old shooting instructor was shot at an outdoor range in ...

Dolan Springs, AZ, US


RT @vegasbreaking: #BREAKING DETAILS: 9-year-old girl accidentally shot her shooting instructor Monday morning in Dolan Springs: http://t.c… - @8NewsNow Partner Disclaimer: This item was submitted to breakingnews.com, but has not been approved by our ...

Dolan Springs mobile home fire kills man


An Arizona man has died from a Dolan Springs mobile home fire. The Kingman Daily Miner reports that the man died after the blaze began early Friday. Northern Arizona Consolidated Fire District Chief Patrick Moore said the fire was so bad by the times crews ...

Winning the Real Estate Game in Dolan Springs in a Tough Market


Purchasing a home in Dolan Springs, Arizona is one of the best investments you can make; but like so much else in life, timing is everything. Recent talk about subprime mortgages, falling property values, foreclosures and slow real estate markets in Dolan ...

Fall in Dolan Springs, Arizona


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SPECIAL INFORMATION FOR DOLAN SPRINGS

Avoiding Foreclosure in DOLAN SPRINGS

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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DOLAN SPRINGS ARIZONA tspan:3m DOLAN SPRINGS ARIZONA




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 DOLAN SPRINGS.

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]




  • Buying prescription drugs via the Internet: A consumer guide to DOLAN SPRINGS

    The Internet has changed the way we live, work and even as bought. The advance of the Internet has made it possible to compare prices and buy products without having to leave the house. But when used for medicine is important to be very careful. Some websites sell drugs that are not legitimate, putting their health at risk.

    For example, some websites that sell medicines:

    • They are not licensed pharmacies with state of the United States or are not really pharmacies.

    • They can give an incorrect diagnosis or sell you a drug that is not appropriate for your medical condition.

    • Do not protect your personal data (eg social security number and credit cards).

    Some of the drugs that are sold on the Internet:

    • They are fake (counterfeit or adulterated).

    • They are very strong medicine dose or very low concentration.

    • They contain ingredients that can be harmful to your health.

    • They are expired or expired medicines.

    • They have not been approved by the Food and Drug Administration (FDA for its acronym in English), or have not been studied for their safety and efficacy.

    • They have been prepared using safe standards.

    • They are not safe for use with other medicines or products you use.

    • No right or have not been properly stored or shipped labels.

    TALK TO YOUR DOCTOR BEFORE TAKING ANY MEDICINE FOR THE FIRST TIME

    • Talk to your doctor and get a physical before taking any medicine for the first time.

    • Use only medications that have been prescribed by your doctor or other health professional you trust, who is licensed in the United States to give prescriptions or prescriptions.

    • Ask your doctor if you have to do something specific for your prescription.

    The following information will help protect (a) if you purchase medicines via the Internet:

    KNOW WHERE YOUR MEDICINES COME TO MAKE SURE THEY ARE SAFE

    Make sure that the website where you buy your drugs is state-licensed pharmacy in the United States and you are located in the United States. Pharmacies and pharmacists in the United States must be licensed by a state pharmacy board. The pharmacy board of the state where you reside, you can tell if the website you use is a state-licensed pharmacy if you have good reputation, and if you are located in the United States. For a list of state pharmaceutical boards in English at the National Association of Boards of Pharmacy (NABP) whose website is:www.nabp.net . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645), the Li line Telefónica Health National Hispanic Family.

    The NABP is a professional association of pharmaceutical state boards. This association has a program that will help you find some of the pharmacies that are licensed to sell through the Internet. The websites where the hallmark of this program appears, have been checked to ensure they comply with federal and state regulations. For more information in English about this program and for a list of pharmacies where VIPPS® (Verified Internet Pharmacy Practice Sites ™) seal appears, visit the website: www.vipps.info . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.

    . Find the websites whose practices are designed to protect you a secure website should:

    • Be located in the United States and be licensed by the state pharmacy board which operates the website (visit the website www.nabp.net for a list of state pharmaceutical boards in English). For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.

    • Have a licensed pharmacist who can answer your questions.

    • Require a prescription from your doctor or other health professional who is licensed in the United States to give prescriptions or prescriptions.

    • Having a medium through which you can talk to a person if you have any problem.

    MAKE SURE YOUR PRIVACY IS PROTECTED

    Note that the privacy and security of the site you will find easy to use and understand.

    Do not give any personal information (such as your Social Security number, the number of your credit card or your medical history) unless you are sure the website will keep the protected information and not made public.

    Ensure that the website will not sell your personal information unless you authorize it.

    PROTECT YOURSELF AND OTHERS

    Report the web sites you do not feel safe (a), or those for which you have complaints. Visit the website www.fda.gov/buyonline and click under "Notify the FDA sites web troubled "to fill the form in Spanish.

    [17]







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