GRACEVILLE NEWS AND BLOG


Latest News - GRACEVILLE

Accident in Jackson County claims four lives


The Florida Highway Patrol said the accident occurred about 8 miles south of Graceville on Highway 77 at Tri-County Road. Those killed were identified as George Hayes, 54, Bishop Peterson, 22, and Angela Spencer, 45, of Jackson County. Also killed in the ...

The Hoppers and Mercy Revealed Return to BCF Feb. 7th …….


Check your calendar and circle the date as once again The Baptist College of Florida (BCF) located in Graceville, Fla., will host the inspirational gospel family The Hoppers and awarding winning duo Mercy Revealed in concert Saturday, February 7 ...

Fairmont rallies to win over UC


Dozier, a sophomore from Graceville, Fla., entered the game hitting 31-percent of his 3-point tries and averaged 8.2 points a game. But after missing his two first-half shots from that distance, he sank all seven of his second-half 3-point tries en route ...

Big wet puts a dampener on Ipswich's weekend sport


That means no softball, baseball or cricket in Ipswich, though the Ipswich Logan Hornets fists are expected to turn up at Graceville for their game against Wests, before the call is made to abandon. One consequence is Brothers will meet Laidley in the ...

Boy's Basketball: NLS can’t slow down Chargers in Wright loss


Up next for BLHS will be an away game against Gibbon-Fairfax-Winthrop next Tuesday at 7:30 p.m. Noah Kannegiesser scored 21 points and added eight assists as Hancock defeated Clinton-Graceville-Beards ley 68-59 to earn a Pheasant Conference victory.

Another record reset as Tigers defeat BSLA


The Morris Area / Chokio-Alberta gymnastics team defeated the Big Stone Lake Area Lightning, a cooperative of Ortonville / Clinton-Graceville-Beards ley, on Thursday, Jan. 22 in Ortonville. The Tigers won the meet with ease at 123.925-89.9, and the junior ...

Patricia "Pat" Clark Barfield obituary


Patricia "Pat" Clark Barfield, 78 of Graceville, FL passed away, Wednesday, January 7, 2015 at her residence following an extended illness. Pat was born in Monticello, Florida on December 3, 1936 to the late Judson Douglas Clark and Beulah Weeks Clark.

Freezing rain makes for slick Saturday around region


Slick conditions sent a snow plow sliding into a ditch Saturday morning near Wheaton, Minn. Dan Seifert, 42, of Graceville, sustained minor injuries when the truck he was driving slid off the road and rolled on its side. He was transported to an area ...

Graceville rolls past Blountstown for district victory


A well-balanced offensive attack and disruptive defense helped the Graceville boys basketball team overcome a slow start to knock off district opponent Blountstown 59-44 on Thursday night. Visiting Blountstown raced out to a 7-0 start but Graceville (16-3 ...

Rev. Paul Lyons - Obituary


He graduated from Baptist Bible Institute in Graceville, Fla., William Carey College in Hattiesburg, Miss. and Southwestern Baptist Theological Seminary in Ft. Worth, Texas. He also pastored Baptist churches in Florida, Mississippi, and Texas. He taught ...




SPECIAL INFORMATION FOR GRACEVILL

How can consumers in GRACEVILL be sure a genetic test is valid and useful?

Before undergoing genetic testing, it is important to be sure that the test is valid and useful. A genetic test is valid if it provides an accurate result. Two main measures of accuracy apply to genetic tests: analytical validity and clinical validity. Another measure of the quality of a genetic test is its usefulness, or clinical utility.

  • Analytical validity refers to how well the test predicts the presence or absence of a particular gene or genetic change. In other words, can the test accurately detect whether a specific genetic variant is present or absent?

  • Clinical validity refers to how well the genetic variant being analyzed is related to the presence, absence, or risk of a specific disease.

  • Clinical utility refers to whether the test can provide information about diagnosis, treatment, management, or prevention of a disease that will be helpful to a consumer.

All laboratories that perform health-related testing, including genetic testing, are subject to federal regulatory standards called the Clinical Laboratory Improvement Amendments (CLIA) or even stricter state requirements. CLIA standards cover how tests are performed, the qualifications of laboratory personnel, and quality control and testing procedures for each laboratory. By controlling the quality of laboratory practices, CLIA standards are designed to ensure the analytical validity of genetic tests.

CLIA standards do not address the clinical validity or clinical utility of genetic tests. The Food and Drug Administration (FDA) requires information about clinical validity for some genetic tests. Additionally, the state of New York requires information on clinical validity for all laboratory tests performed for people living in that state. Consumers, health providers, and health insurance companies are often the ones who determine the clinical utility of a genetic test.

It can be difficult to determine the quality of a genetic test sold directly to the public. Some providers of direct-to-consumer genetic tests are not CLIA-certified, so it can be difficult to tell whether their tests are valid. If providers of direct-to-consumer genetic tests offer easy-to-understand information about the scientific basis of their tests, it can help consumers make more informed decisions. It may also be helpful to discuss any concerns with a health professional before ordering a direct-to-consumer genetic test.

[2]

GRACEVILLE tspan:3m GRACEVILLE




6 Tips for Managing Portion Size

Eating healthy is about enjoying your food while also managing portion size. Most people eat and drink more than their bodies need especially when they are served larger portions. So, choosing smaller portions to begin with is important for maintaining your overall health and well-being.

Here are some tips to help you manage your portion size:

  1. Measure out 1 cup, 1/2 cup, or 1 ounce of some different foods onto the bowls, glasses, cups, and plates you usually use to see what these portion sizes look like on them.
    Remember:
    • 1/2 cup = light bulb
    • 1 cup = baseball
    • 1 oz. or 2 tbsp. = golf ball
    • 3 oz. of chicken or meat = deck of cards
    • 3 oz. fish = checkbook
  2. Eat you meals on a smaller plate. The smaller your plate, the smaller your portion.
  3. Finished your plate but think you’re still hungry? Wait 10 minutes before going back for seconds. You might not want them after all. If you do go back for seconds, aim for the same balance you had with your first serving and start with veggies.
  4. When ordering at a restaurant, ask for a take-home container as soon as your meal comes. Put half of the meal in the take-home container so you’re sure to let your stomach—instead of your eyes—be your guide. Or share the meal with a dining companion. Many restaurants offer a smaller or “appetizer size” of entrees, so when a smaller portion is available, go for it!
  5. Buy or portion out treats and snacks in small, single-serving bags or packages.
  6. Check out the food label for serving size info

Try This: Small changes like these can make a big difference. Commit to making at least one change to reduce your portion sizes this week.

[6]



Avoiding Foreclosure in GRACEVILL

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

[11]






We selected GRACEVILLE LAST NEWS AND IMPORTANT ISSUES. Share!

Feed Widget


If people in the media cannot decide whether they are in the
business of reporting news or manufacturing propaganda,
it is all the more important that the public understand
that difference,and choose their news sources accordingly.
Thomas Sowell

Newsof.org. Selected the top stories of the city of GRACEVILLE MINNESOTA. Political events, traffic accidents on highways, downtown events, neighborhoods and inside. Also researched local newspapers and social networks, as well as the site of City Hall. Crimes, are always subject to demand generally for information. Also the tragedies and disasters such as fires, floods, flooding, rain, hail and winds. Tags: Breaking News, GRACEVILLE MINNESOTA, City, Indoors, Monday, Tuesday, Wednesday, Thursday , Friday, Saturday, Sunday, Car, Crash, Elections, Beating, Accident, Crime, Police, Criminal, Police, Road, Highway Access, Elections, Party, Hail, Rain, Flood, Anniversary, Award, Month, Week End , Today, Yesterday, Female, Male, Family, Child, People.