GIBSON GEORGIA
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Latest News - GIBSON GEORGIA

Famed guitar gets custom repair at NSU


Georgia, whose uncle Luther “Blue Lou” Wamble, an accomplished blues guitarist, was a close friend of Payne’s. It was that connection that facilitated White’s purchase of the Gibson from Payne’s widow, Vicki, after Payne’s death in 2013 ...

Walk for multiple sclerosis set for March 21 in downtown Albany


Walk MS: Georgia 2015 consists of nine events throughout the state ...
research for a cure and to address the challenges of everyone affected by MS.” Fay Gibson, development manager with Walk MS, said participants in the walk are expected to raise ...

Gibson Bros. emerges from fire bigger and better


as far south as Georgia and as far north and west as North Dakota. Maines' customers include Burger King, Bertucci's, Boston Market, IHOP, Olive Garden, Red Lobster, Subway and Wendy's. After the fire struck in 2013, Gibson Bros. acted quickly to lease ...

Lawmakers could limit license plate scanner use


Georgia isn’t one of them ...
verbally with other criminal justice agencies “in furtherance of a criminal justice purpose.” Maj. John Gibson says the resemblance to Pezold’s bill is not a coincidence. “I did a lot of research before we decided ...

Gibson named SCAC Men's Golfer of the Week


LAWRENCEVILLE, Ga. – Centenary’s Jamie Gibson has been named Southern Collegiate Athletic Conference Men’s Golfer of the Week for his efforts at the Georgetown College Invite in St. Augustine, Fla., earlier this week. Gibson claimed the individual ...

Calvin Ave. murder suspects appear in court


COLUMBUS, GA (WTVM) - Five suspects in a double shooting in Columbus made their first court appearance Friday morning. Bernard Gibson, Curtis Williams, Thomas Williams, Christopher Gilliam and Richard Gilliam are all charged with murder in the death of ...

Alford leads Georgia State softball to fast start


Gibson shines for Dolphins Cameron Gibson has enjoyed a fine ...
a bit of a struggle for Kierra Camp in her first year of collegiate softball playing for Georgia Southern, but the former all-state player at Heritage had a fine outing recently.

THE GRIND: North Forsyth's Gibson reshapes his preparation


“I didn’t want to go after practice.” Two months ago, Gibson made the necessary adjustment. His mother had been going to Fitness 1440, a gym 10 minutes up Georgia Highway 400, every morning at 4:40. She encouraged him to join her. It was ...

GIBSON, Julian


Nancy Turner Braswell Gibson, sister, Hilda Copeland of Florence, Al.; sons Robert (Patsy) of Durham, NC, and Richard (Nancy) of Greensboro, NC, daughter, Pat Addison of Winston-Salem; Beverly Bras-well Applestone of Smyrna, Ga., and Shelly Whittington of ...

1954 Les Paul Gibson guitar sells for $330,000


NEW YORK (AP) - The 1954 Les Paul Gibson guitar known as "Black Beauty" has sold at ...
She appea...
Photo Slideshow: Miss Georgia Pageant 2013 Outstanding Teen Contestants Photo Slideshow: Miss Georgia Pageant 2013 Outstanding Teen Contestants Meet ...

Oh No He Didn’t! Keyshia Cole Catches Daniel Gibson Texting Another Woman and Shares the Texts on Instagram [Photo]


So much for reconciliation. Literally less than 24 hours after we shared with you the news of Keyshia Cole and Daniel Gibson’s attempt at rekindling their love, Daniel has already landed himself in ho…

Derrick Rose Begins His Rehab In ‘Good Spirts’


By Cody Westerlund- CHICAGO (CBS) – As expected, Bulls point guard Derrick Rose began his rehab Saturday, one day after undergoing “minor” knee surgery on a tear in his right medial meniscus. Rose is…

Indianapolis man arrested in Gibson County for marijuana DUI


GIBSON COUNTY, Ind. (WISH) – An Indianapolis man was arrested by police yesterday for driving under the influence of marijuana in Gibson County. Indiana State Police stopped the driver of a maroon Ol…

Bulls Lose Gibson To Left Ankle Injury


CHICAGO (AP) — Forward Taj Gibson has left the Chicago Bulls’ game against Minnesota with a left ankle injury. Gibson rolled his ankle late in the first quarter and was replaced by Nikola Mirotic. Th…

stuck in love (2012)


Download stuck in love (2012) stuck in love (2012) — Stuck in Love Synopsis: Online Streaming Stuck in Love An acclaimed writer, his ex-wife, and their teenaged children come to terms with the com…

About a million years ago I saw a Top 5 Favorite Fictional Female Characters in Their...


About a million years ago I saw a Top 5 Favorite Fictional Female Characters in Their Most-Appropriate Categories meme. I saved the category headings and have now nearly driven myself mad filling it i…

fast and furious 2009 in hindi


Download fast and furious 2009 in hindi Download Fast & Furious (2009) 1080p BluRay x264 Dual Audio English + Hindi — TBI torrent or any other torrent from Highres Movies Mar 29, 2014 From pop st…

my maid invests in stock market


Download my maid invests in stock market my maid invests in stock market. Learn how to invest in the Philippine stock market, real estate and insurance the Truly Rich Club way I bought this book …

minds in the water


Download minds in the water 5 years in the making, Minds In The Water is the story of one surfer’s international journey to help protect dolphins, whales and their ocean environment. Shot on I ha…

Recent reads: Gibson, Strahan, Kiernan, Abbott


I’ve been slack, sneaking in a bit of reading and not passing on the goods. So here’s a quick summary of yarns I’ve read lately (outside of last year’s Australian Women Writers Challenge) that have ma…




SPECIAL INFORMATION FOR GIBSON

Filing A Charge of Discrimination on GIBSON GEORGIA

If you believe that you have been discriminated against at work because of your race, color, religion, sex (including pregnancy), national origin, age (40 or older), disability or genetic information, you can file a Charge of Discrimination. All of the laws enforced by EEOC, except for the Equal Pay Act, require you to file a Charge of Discrimination with us before you can file a job discrimination lawsuit against your employer. In addition, an individual, organization, or agency may file a charge on behalf of another person in order to protect the aggrieved person´s identity. There are time limits for filing a charge.

Note: Federal employees and job applicants have similar protections, but a different complaint process.

If you file a charge, you may be asked to try to settle the dispute through mediation. Mediation is an informal and confidential way to resolve disputes with the help of a neutral mediator. If the case is not sent to mediation, or if mediation doesn´t resolve the problem, the charge will be given to an investigator.

If an investigation finds no violation of the law, you will be given a Notice of Right to Sue. This notice gives you permission to file suit in a court of law. If a violation is found, we will attempt to reach a voluntary settlement with the employer. If we cannot reach a settlement, your case will be referred to our legal staff (or the Department of Justice in certain cases), who will decide whether or not the agency should file a lawsuit. If we decide not to file a lawsuit, we will give you a Notice of Right to Sue.

In some cases, if a charge appears to have little chance of success, or if it is something that we don´t have the authority to investigate, we may dismiss the charge without doing an investigation or offering mediation.

Many states and local jurisdictions have their own anti-discrimination laws, and agencies responsible for enforcing those laws (Fair Employment Practices Agencies, or FEPAs). If you file a charge with a FEPA, it will automatically be "dual-filed" with EEOC if federal laws apply. You do not need to file with both agencies.

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GIBSON GEORGIA tspan:3m GIBSON GEORGIA




Avoiding Foreclosure in GIBSON GEORGIA

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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People help people. Gods do not help people

HealthDay news image Organ transplants have saved more than two million years of life in the United States over a period of 25 years, new research shows.But fewer than half the people who needed a transplant in this period they received, according to a report in the online edition of the January 28 issue of the journalSurgery JAMA ."The critical shortage of donors continues to affect this field. Just 47.9 percent of patients on the waiting list during the 25 years of the study underwent a transplant. The need is increasing, and therefore the Organ donation should increase, "wrote Dr. Abbas Rana, Baylor College of Medicine in Houston, and colleagues. The researchers analyzed the medical records of more than 530,000 people receiving organ transplants between 1987 and 2012, and nearly 580,000 people who signed up for the waiting list but never received a transplant. In that period, transplants saved 2.2 million life years, with an average of just over four years saved for each person who received a transplant from a living body, the study authors noted in a news release from the journal . The number of years saved by type of organ transplant life were: kidney, 1.3 million years; liver, more than 460,000; heart, almost 270,000; lung, about 65,000: pancreas and kidney, nearly 80,000; pancreas, just under 15,000, and intestines, around 4,500. One expert noted the relevance of the findings. "This study highlights the importance of organ donation, and shows that solid organ transplants save lives. One organ donor can have an impact on up to 50 lives," said Dr. Kareem Abu-Elmagd, director of the Center for transplant at the Cleveland Clinic in Ohio. "The field of transplantation continues to seek ways to save more lives," said Abu-Elmagd. "For example, the program of ex vivo perfusion of organs of the Cleveland Clinic has been studying perfusion technology to better preserve organs donated." Powered by infusion, a machine pumps oxygen and nutrients to the donated enriched to prevent damage or deterioration of the body prior to transplant into a patient waiting, according to the Cleveland Clinic organ solution. Baylor researchers suggested a direct solution. "We call for greater support of transplantation and solid organ donation, valuable efforts have an impressive record of achievements and tremendous potential to do even more good for humanity in the future," concluded the authors. HealthDay, translated by HispaniCare

SOURCES: Kareem Abu-Elmagd, MD, Ph.D., director, Cleveland Clinic´s Transplant Center, Ohio; JAMA Surgery , news release, Jan. 28, 2015

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