JACKSONVILLE NORTH CAROLINA NEWS AND BLOG


Latest News - JACKSONVILLE NORTH CAROLINA

Is The Military Getting Undue Credit For Solar Power In North Carolina? (Part 1 of 2)


But in its latest deal for renewable energy, a 13 MW solar farm at Marine Corps Base Camp Lejeune in Jacksonville, NC, the military has a problem: it may be taking credit for renewable energy that it doesn’t deserve. The utility in North Carolina ...

Labor Department: Pancho Villa underpaid employees


one in Stafford on Garrisonville Road and one in Jacksonville, North Carolina on Marine Boulevard. Phillips said the investigation highlights the positive impact her division has on low wage employees. "It should serve as a reminder to employers in ...

Mexican restaurant in Jacksonville in trouble for shorting workers’ pay


The underpayments affected 30 workers from December 2010 to December 2013 at the company’s eight Virginia locations (in Fredericksburg, Culpeper, Dahlgren and Stafford) and its sole North Carolina location at 2121 N. Marine Blvd. in Jacksonville.

Overflow crowd of vets show up in Jacksonville to get answers on VA claims


The American Legion, Department of North Carolina, Veterans Assistance and Rehabilitation Division held what is called a Veteran's Benefits Action Center at American Legion Post 265 in Jacksonville. The event was billed a place Veterans and dependents ...

Veteran’s Benefits Action Center to set up in Jacksonville


Veterans and retirees will be able to take advantage of services offered by the Department of North Carolina as it plans to set up shop in Jacksonville this week. The Department of North Carolina Veterans and Rehabilitation Division will hold a Veteran’s ...

Marine dies in motorcycle crash in North Carolina


JACKSONVILLE, N.C. — A Marine was killed in a motorcycle crash after authorities said his bike went off the road, hit a concrete curve and struck a guardrail. The Jacksonville Daily News reported that it happened shortly after 1:30 a.m. Sunday on a ...

Florida State at North Carolina


The skinny: The Seminoles broke a three-game losing streak by prevailing over Clemson 59-55 on Monday. … FSU hasn’t defeated North Carolina since an 85-82 victory in the 2012 ACC Tournament championship game. The Tar Heels have won four in a row.

Jacksonville's Adame seeks NC Democratic Party chair


RALEIGH, N.C. - The number of people seeking to become the top leader of the North Carolina Democratic Party has grown ...
Others are Marshal Adame of Jacksonville; Connie Johnson of Salisbury; Janice Covington Allison of Charlotte; Tommy Davis of Aberdeen ...

North Carolina remembers Battle of Fort Fisher


"It is important for people to understand what type of lifestyle it was back then and the hardships they dealt with," said Gregory Oliver, a confederate army role player during the reenactment and Jacksonville, North Carolina, native. "It’s also ...

Capital Tonight Jan. 19: North Carolina and the Civil Rights Movement


On Capital Tonight: We look at North Carolina's history and role in the Civil Right Movement ...
E-mail your photos to ncweather@twcnews.com Shelf cloud ahead of storms moving through Jacksonville September 8, 2014. Photo by William Burdine.




SPECIAL INFORMATION FOR JACKSONVILLE

Avoiding Foreclosure in JACKSONVILLE

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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JACKSONVILLE NORTH CAROLINA tspan:3m JACKSONVILLE NORTH CAROLINA




City service: tips to get pregnant

Trick 1: Find out when you"re ovulating

The biggest secret to get pregnant right away is to know exactly when you are ovulating, ie, when one of their two ovaries are releasing an egg. Think of this egg like a target, and imagine the sperm like arrows:. For you to get pregnant, one of the arrows have to hit the target there are several methods to help you discover if you are in the fertile period. One of them is our ovulation calculator. Read more about how your menstrual cycle works. But if you notice that your periods have been very irregular in recent months, may be more difficult to identify ovulation. See what other methods to detect ovulation and consult your doctor to know better how to proceed. 




Trick 2: Be in the right place at the right time

Once you know the date of ovulation, prepare (and list your partner) to have sex during your most fertile days. You can get three days before and continuing until after the expected date of ovulation. (Start a little earlier also does not hurt; some women achieved pregnancy having sex until six days before ovulation.) As the sperm survive in your body for a few days, you have a good length of time to try to conceive. This means that if you have intercourse on a Monday, the sperm will stay in her reproductive system, waiting for an egg, until Thursday. Or up to Sunday in some cases. But remember, your egg only survives for about a day. If you do not know when ovulation will occur, follow the good old rule of having sex every other day. So, every day you will have a stock of healthy sperm waiting in the fallopian tube, ready to spring into action when the egg appears. (If you and your partner want to have sex more often than that, no problems. But know that it does not will increase or decrease your chances of getting pregnant). Another tip: if for some reason you are waiting to go into action during the time of ovulation, do not let this happen after a long fast. Your partner needs to ejaculate at least once before the fertile period, but there may be an accumulation of dead sperm in the semen, and they do not serve to conceive a baby. 








Trick 3: Remain lying down after sex

For a long time, scientists had no evidence that the woman stay lying down for a while after sex help the sperm to reach the egg. But, in 2009, Dutch researchers found that, in a fertility clinic in Amsterdam, women remained lying on his back for 15 minutes after artificial insemination were 50% more likely to become pregnant than those that remained standing after the procedure. You can not prove that the same probability applies to sexual intercourse, but the study shows that lie can help the sperm to do their part. And anyway, does not hurt to try. It is not necessary to stay with her ??legs up, just lying on her side is enough. 






Trick 4: Enjoy this time of expectation

If you hurry to get pregnant, you may end up feeling too anxious about it. This is normal, but the truth is that the chances are greater if you are not stressed. This is because the hypothalamus - the gland in the brain that regulates hormones ovulation. - Does not work so well when you"re nervous, causing her body to end ovulating later or even not release an egg that cycle therefore try maximum to enjoy this phase and all this "lot" of carefree sex. Make sex fun - instead of just thinking about making a baby - you can even increase your chances of getting pregnant. And if you"re thinking of ways to spice things up, good news: there is not a position that is better than the other to get pregnant. All are equally effective. 


Trick 5: Prepare the ground for superespermatozoides

Sperm are more likely to fertilize an as healthier, stronger and egg are plentiful. There are several ways to help your partner improve sperm quality:
  • Cut Alcohol (drink daily studies show that may reduce testosterone levels, lower sperm count and increasing the number of defective cells).
  • Declare war on smoking (smoking can reduce the quality of sperm).
  • Eat more foods rich in zinc, folic acid, calcium and vitamins C and D (they help produce many strong and fast sperm).
  • Avoiding hot and sauna baths, since the heat eliminates sperm (testes work best at a temperature between 34.4 and 35 degrees Celsius, slightly less than normal body temperature). Stay long with the laptop on the lap increases the temperature of the testes, as well as riding a bike too.

The sooner your partner adopt these changes, the better. New sperm can take up to three months to produce. 

Trick 6: Make sure you also

Your chances of having a healthy pregnancy and a baby are higher if your body and your life are ready for the task. Before you start trying to conceive, see your gynecologist or general practitioner to see if all is well with your ovulation and if their immunizations are up to date. You will also greatly help if you reduce or cut the consumption of alcoholic beverages and smoking cessation and drugs. All these substances interfere negatively on your fertility and are also dangerous to the fetus. Consider the hypothesis also cut out caffeine. Some studies show that women who take more than one or two cups of coffee a day are less likely becoming pregnant. 
Based in babycenter.com [20]



Two years of community college free for responsible students in JACKSONVILLE

The President unveiled a new proposal: Make two years of community college free for responsible students across America.

In our growing global economy, Americans need to have more knowledge and more skills to compete -- by 2020, an estimated 35 percent of job openings will require at least a bachelor's degree, and 30 percent will require some college or an associate's degree. Students should be able to get the knowledge and the skills they need without taking on decades' worth of student debt.


The numbers:

If all 50 states choose to implement the President's new community college proposal, it could:

  • Save a full-time community college student $3,800 in tuition per year on average
  • Benefit roughly 9 million students each year

Under President Obama's new proposal, students would be able to earn the first half of a bachelor's degree, or earn the technical skills needed in the workforce -- all at no cost to them.


The requirements:

  • What students have to do: Students must attend community college at least half-time, maintain a 2.5 GPA, and make steady progress toward completing their program.
  • What community colleges have to do: Community colleges will be expected to offer programs that are either 1) academic programs that fully transfer credits to local public four-year colleges and universities, or 2) occupational training programs with high graduation rates and lead to in-demand degrees and certificates. Community colleges must also adopt promising and evidence-based institutional reforms to improve student outcomes.
  • What the federal government has to do: Federal funding will cover three-quarters of the average cost of community college. Participating states will be expected to contribute the remaining funds necessary to eliminate the tuition for eligible students.

Expanding technical training programs:

President Obama also proposed the new American Technical Training Fund, which will expand innovative, high-quality technical training programs across the country. Specifically, the fund will award programs that:

  • Have strong employer partnerships and include work-based learning opportunities
  • Provide accelerated training
  • Accommodate part-time work

Read the full fact sheet on the President's proposal here.

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