HARTFORD ALABAMA NEWS AND BLOG


Latest News - HARTFORD ALABAMA

15-30 inches of snow expected statewide - MyFoxAL.com - FOX6 WBRC Birmingham, AL


Blizzard Colbie remains on track to clash with the northeast Monday. A blizzard warning has been issued for Hartford, Fairfield, Litchfield, Middlesex, New Haven, New London, Tolland and Windham counties. It goes into effect Monday afternoon and lasts ...

‘State children’s flower’ to honor victim of home invasion


The Hartford Courant reports Republican state Rep. Al Adinolfi of Cheshire is sponsoring legislation that would designate four-o’clocks the official “children’s state flower,” a companion to the official state flower, the mountain laurel.

Blizzard expected for 250-mile stretch of Northeast


A winter storm warning covering Boston and Hartford, Conn., was in effect through 7 p.m. as ...
Farther north, snow plow driver Al Laplant expected to be out clearing roads of Simsbury, Connecticut, this week, just as he has for more than two decades.

2015 'Most Bible-Minded' Cities: Birmingham, Alabama Takes Top Spot, Followed by Chattanooga, Roanoke, and Shreveport


The Barna Group has released the latest 2015 version of its annual study on the most Bible-minded cities in the country, and this year, the top spot is given to Birmingham, Alabama ...
NY (#93), Hartford, CT (#94), and Las Vegas, NV (#95).

Alabama, Auburn women's players suspended 2 games for fight


Alabama player Meoshonti Knight was also ejected for leaving ...
The agency plans to distribute water testing kits to the first 300 people who visit its booth at the Hartford Home Show. The event runs from Friday through Sunday at the XL Center.

Village Manager Al Gatta to Retire After 20 Years in Scarsdale


Scarsdale Village Manager Al Gatta has announced that he plans to retire this coming ...
I have been in Scarsdale for twenty years and before that I was City Manager in Hartford, CT; Ann Arbor, MI and Methuen, MA and held management jobs in New Jersey.

Pursuing justice in Alabama


So he vividly recalls his seven weeks spent in Alabama’s rural Crenshaw County as a foot soldier ...
including organizer Bruce Hartford, also Jewish, who had found the group housing in a local residence. Sookne recalled that about five minutes after ...

Echoes of Selma: Angeleno recalls Alabama summer of ‘65


So he vividly recalls his seven weeks spent in Alabama’s rural Crenshaw County as a foot soldier ...
including organizer Bruce Hartford, also Jewish, who had found the group housing in a local residence. Sookne recalled that about five minutes after ...

Texas A&M tops Hartford, 58-49


I think sometimes we were too open." Up Next: Texas A&M: The Aggies open Southeastern Conference play at Alabama on Tuesday. Hartford: The Hawks resume America East play on Wednesday when they play host to Binghamton. Stat lines Caruso's five steals gave ...

Hartford man killed when vehicle hits fence, overturns in Houston County


DOTHAN, Alabama -- A Hartford man was killed when his vehicle struck a fence and overturned early Saturday morning. Johnny Harold King, 54, was driving a 2006 Chevrolet Silverado when the crash occurred at around 3:30 a.m. on Alabama 109 at the one-mile ...




SPECIAL INFORMATION FOR HARTFORD

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.

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HARTFORD ALABAMA tspan:3m HARTFORD ALABAMA




Found Unclaimed Money in HARTFORD

What Is Unclaimed Money?

If the government owes you money and you do not collect it, then it’s unclaimed. This can also happen with banks, credit unions, pensions, and other sources.

Beware of unclaimed money scams. There are people who pretend to be the government and offer to send you unclaimed money for a fee. Government agencies will not call you about unclaimed money or assets. Learn how to spot these types of scams.

Currently, the government does not have one website for finding unclaimed money by name, Social Security number, or state. To find it, you’ll need to visit each site separately and perform a search.

States’ Unclaimed Money

  • Search by State  – Search your state’s listing of unclaimed funds and property.

Retirement

Taxes

Banking, Investments, and Currency

  • Bank Failures  – Search the Federal Deposit Insurance Corporation (FDIC) for unclaimed funds from failed financial institutions.
  • Credit Union Failures  – Find unclaimed deposits from credit unions.
  • SEC Claims Funds  – The Securities and Exchange Commission (SEC) lists enforcement cases where a company or person owes investors money.
  • Damaged Money  – The Treasury Department will exchange mutilated or damaged U.S. currency.

Mortgages

  • FHA-Insurance Refunds  – If you had an FHA-insured mortgage, you may be eligible for a refund from the Department of Housing and Urban Development (HUD).

Savings Bonds

International

  • Foreign Claims  – U.S. nationals can find money owed to them from foreign governments after loss of property.

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Avoiding Foreclosure in HARTFORD

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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