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Arkansas court affirms class-action status in tobacco suit


LITTLE ROCK, Ark. (AP) — The Arkansas Supreme Court says a lawsuit against tobacco giant Philip Morris USA can proceed under class-action status. The lawsuit seeks refunds on every pack of Marlboro Lights sold in Arkansas from 1971 to 2010. The ...

Little Rock Marathon: A reason to cheer


LITTLE ROCK, Ark. (KTHV) - Sunday morning ...
THV11's Craig O'Neill sat down with Miss Teen Arkansas USA Arynn Johnson, Angela Kremers and Dina Vinson with the Best Buddies program to talk about cheering on those who need it for the LR Marathon.

Arkansas House supports health care termination letters


Donnie Copeland of Little Rock that would require the state to notify all persons who enroll or re-enroll in Arkansas' "private option" that the program will end on Dec. 31, 2016. However, it's unclear if it will end on that date. The Legislature earlier ...

Arkansas Panel Rejects `Conscience-Protection' Measure


LITTLE ROCK, Ark. (AP) - A "conscience-protection" proposal in Arkansas that critics call an attempt to sanction discrimination against gays and lesbians has failed before a legislative panel. The Senate Judiciary Committee rejected the measure to ban any ...

Arkansas House passes stricter rules for disposal of remains


LITTLE ROCK, Ark. (AP) - The Arkansas House has passed and sent to the state Senate a bill to require stricter requirements when disposing of human and fetal remains. The House voted 84-3 Thursday for the bill. Republican Rep. Kim Hammer of Benton said the ...

Carman McBride is 2015 Arkansas Milken educator


Carman McBride, an environmental and spatial technology facilitator for grades 3-5 at Roberts Elementary in Little Rock, is this year's Arkansas winner of the Milken Educator award, a $25,000 prize. She previously taught fourth grade in Texarkana and was ...

Street Closures List for This Weekend's Little Rock Marathon


Streets closed on the race course create a safe and efficient environment for runners and spectators. LITTLE ROCK, AR (News release) - More than 14,000 athletes and 40,000 spectators will take to the streets on Sunday, March 1st for the Little Rock ...

Arkansas Bill Allows Schools to Make Up Snow Days by the Hour


LITTLE ROCK, Ark. -- Proposed legislation could help Arkansas school districts make up snow days by the hour. LITTLE ROCK, Ark. -- The West Fork School District knows all about snow days. "We missed 21 days of school last school year for inclement weather.

State offices in Little Rock area close


Arkansas state offices in the Little Rock metropolitan area are closing for the remainder of the workday Wednesday because of inclement weather, Gov. Asa Hutchinson’s office said. Nonessential personnel will be dismissed at noon, and state workers ...

Winter weather hits Arkansas with snow; schools close


LITTLE ROCK, Ark. (AP) — Schools, several businesses and a number of state offices shut down Wednesday as a half-foot of snow fell on portions of southern Arkansas. The northern half of the state, which typically sees winter weather more often ...

First few days in Little Rock


Thursday was our last day at the school, and we went out to dinner to celebrate, then cleaned and finished packing. Friday morning we had the kitchen and room inspections, and then headed off to Littl…

Little Rock Look Back: Byron Morse, 55th Mayor of Little Rock


On February 23, 1917, future Little Rock Mayor Byron R. Morse was born. A founder of the real estate firm of Rector-Phillips- Morse, he was long active in civic affairs of Little Rock. Mayor Morse was…

Flyleaf To Headline 2015 Edition Of Revolver’s Hottest Chicks In Hard Rock Tour


Flyleaf will be headlining this year’s edition of Revolver’s Hottest Chicks In Hard Rock tour. The band will also be joined by The Agonist (on select dates), Fit For Rivals, Diamante, and Falling For…

Helpful Tips when Looking for Electrical Contractors in Little Rock


If you need electrical work done, whether you’re building a new facility, home or you’re renovating your existing home or business, you may need the services of an electrical contractor. Even for mino…

boiledgreenblood:Killin it in Little Rock


boiledgreenblood: Killin it in Little Rock

gang war _ bangin’ in little rock


Download gang war _ bangin’ in little rock The top Gang Wars: Gang War: Bangin’ in Little Rock quotes selected by the Rotten Tomatoes community. Login to submit a quote! Gang War: Bangin’ in Litt…

Life in Little Rock


Little Rock. I love Little Rock. I’m a traveler who hasn’t seen much of her own country. That’s why I love this program. I love being on the move and being able to set down roots in each place I’m dep…

Little Rock Look Back: Robinson Auditorium officially opens


On February 16, 1940, after three years of planning and construction, the Joseph Taylor Robinson Memorial Auditorium officially opened. It was a cold, rainy night, but those in attendance did not care…

Little Rock Look Back: John Wassell the 27th Mayor of Little Rock


Future Little Rock Mayor John Wassell was born on February 15, 1813 in Kidderminster, England. In 1829, he came to the United States.  He learned carpentry and construction in Ohio and ended up in Lit…

The fast and superior Home Security in Little Rock


The traditional home security system is not enough for fulfilling the security needs, therefore with the eat sparingly increasing technological innovation better self is essential that the modern home…




SPECIAL INFORMATION FOR LITTLE ROCK

Buying prescription drugs via the Internet: A consumer guide to LITTLE ROCK ARKANSAS

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.

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LITTLE ROCK ARKANSAS tspan:3m LITTLE ROCK ARKANSAS




Take Action to Improve Your Financial Situation in LITTLE ROCK ARKANSAS

By Katie Bryan, America Saves Communications Director.

America Saves Week, February 24 – March 1, 2014, is a time to review your finances, decide what you want to save for, and set up a system that will allow you to save automatically. That’s why the America Saves Week theme is Set a Goal. Make a Plan. Save Automatically. Did you know that only half of Americans report having good savings habits? Even if you are already saving, it’s good to take a look at your goals and decide if you can save more or start a new savings goal. Join thousands of others who are pledging to pay down debt, save money, and take financial action during America Saves Week.

Not sure what to save for or what to save for next? Here are the most popular saving goals of those who have pledged to save through America Saves:

· Save for Emergencies - Only 37 percent of low-to-moderate income households have a savings or money market account at a bank or credit union and nearly a quarter of savers who have pledged to save have chosen “emergency savings” as their first wealth-building goal. Learn more.

· Save for Education - Saving for education is the second most popular goal savers select when they pledge to save with America Saves. There are many different things to factor in when saving and paying for college. Learn more.

· Pay Down Debt - Getting out of debt is the #3 goal Savers select when they pledge to save. That does not come as a surprise since a 2012 survey found that 45% of families with annual incomes under $50,000 rely on credit cards to pay for basic needs such as rent, utilities, insurance and food. Learn more.

· Save for a Home - For decades, home ownership has been the main path to wealth for most Americans. Today, home equity - the market value of a home minus the balance on any home loans - represents more than four-fifths of the typical family’s wealth. Learn more.

· Save for Retirement - Retirement savings is a top priority for many Savers. Saving for retirement now will ensure that you have enough money to maintain a comfortable standard of living when you stop or reduce the amount of hours you work. Learn more.

Not sure how to save for your goals? Here are some saving strategies to help:

· Save Automatically - The easiest and most effective way to save is automatically. This is how millions of Americans save at their bank or credit union, and how millions of employees save through 401(k) and other retirement programs at work. Learn more.

· Save at Tax Time - Do you spend weeks eagerly anticipating your tax refund? When the money finally comes in, is it gone tomorrow? Many people view tax refunds as unplanned bonuses. They see the money as a gift from the government, to use for splurges or treats. But a tax refund provides the opportunity to improve your financial situation. Learn more.

Take the America Saves Pledge (or re-pledge) today to set your savings goal and make a plan to save. When you take the pledge you can also choose to receive text message tips and reminders to help you save for your goal. And don’t forget to follow America Saves on Facebook and Twitter.

America Saves Week is coordinated by America Saves and the American Savings Education Council. Started in 2007, the Week is an annual opportunity for organizations to promote good savings behavior and a chance for inpiduals to assess their own saving status

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Avoiding Foreclosure in LITTLE ROCK ARKANSAS

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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