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Six arrested in Cumberland County human trafficking investigation


Alexis Santon, 18, Randall Jerome Knapp, 41, James Daniel Bradford, 26, and Reginald Bateau, 32, all of Fayetteville, Charles Ray Moore, 50, of West End, and Roberto Carol Morales-Rivera, 30, of Lumberton ...
under the North Carolina Sex Offender Registry ...

DOT: Exit work near end of road


LUMBERTON — The North Carolina Department of Transportation says that a newly configured interchange at Exit 22 that has been a headache for motorists for two-and-a-half years will be essentially finished in early April, leaving just some landscaping wor ...

Prevention the Key to Keeping Measles Out of Indian Country


Dr. Adrian Jacobs, a member of the Lumbee Tribe of North Carolina, is a pediatrician with a small clinic in Lumberton, North Carolina. Her practice has not had a spike in calls from parents concerned about the outbreak, something she partially chalks up to ...

FORECAST: Frigid temps ahead of weekend warm-up


What North Carolina residents hope was the last winter storm of the ...
Temperatures early Friday ranged from 13 in Jefferson in Ashe County to 34 in Lumberton and Southport. Duke Energy reported no significant power outages, with only about 120 customers ...

Black ice a problem in North Carolina


What North Carolina residents hope was the last winter storm of the ...
Temperatures early Friday ranged from 13 in Jefferson in Ashe County to 34 in Lumberton and Southport. Duke Energy reported no significant power outages, with only about 120 customers ...

Lumberton community cracking down on fake pot


$4.8M in gold bars stolen in armored truck heist on highway $4.8M in gold bars stolen in armored truck heist on highway Authorities in eastern North Carolina say armed robbers stole $4 million in gold from a truck traveling on Interstate 95 from Florida to ...

Book’em packs ‘em


LUMBERTON — You can’t judge a book by its cover, but you can judge a convention by its crowd — and the verdict’s in on Book ‘Em North Carolina. The fourth edition of the annual writers conference and book fair brought more than 3,000 people to ...

Robeson Community College to host annual book festival with headlining author Terry Irving


LUMBERTON, NC (WMBF) – The annual Book ‘Em North Carolina book festival with feature author Terry Irving, four-time Emmy award-winning TV producer, on Saturday, February 28, 2015. Irving will talk about the Road from Journalism to Fiction, and will be ...

Carolina Forest hires Satterwhite as new athletic director


That’s nothing that will intimidate Satterwhite, whose last two jobs have come at schools with enrollments north of 1,800 ...
top sports job at Lumberton High School, his alma mater. He shifted over to South View in 2013. At Carolina Forest, Satterwhite ...

Mangan Renewables Installs PV Array for One of the World's Largest Cold Storage Providers


Mangan Renewables announced today it will design and install a 2.7 megawatt solar array system for the United States Cold Storage's (USCS) warehouse in Lumberton, North Carolina. The system will be a ground-mount system on a fixed 30° tilt to achieve a ...

Delivery Driver Assistant – Lumberton, NC


Want a Cool Job for the summer? Reddy Ice is looking for Driver Assistants for this summer.  If you value keeping your body in shape while you work, then this is an excellent opportunity for you over…

Human Resources Assistant, Lumberton NJ


Our client in Lumberton NJ has a need for a Human Resources Assistant to report to the Human Resources Manager. This position is contract to hire for the right candidate. Summary: Provides administra…

Freezing Rain Advisory in effect tonight for Bladen and Columbus counties


The National Weather Service in Wilmington has issued a Freezing Rain Advisory for Bladen and Columbus counties, which is in effect from midnight to 11:00 a.m. Sunday.Other counties included are Robes…

Legend of Lizard Lick Visits Lumberton NC Today


Lickety Split I’m off to Lumberton, North Carolina, today for the Book ‘EM Book Show and Sale tomorrow at Robeson Community College.  Parents, Grandparents – bring the children to my book reading tom…

The Wright Stuff: The Creative & Artistic Side of Lumberton


Last night, we were given our first opportunity to vote for Michael Simeon on American Idol. I hope everyone got a chance to cast their votes. For the past few days, I've blogged about various talente…

Adult Dating Chat Lines in New Mexico


Livelinks – Chat Lines Flirt, chat and date! Talk to sexy real singles in your area. Call now! (877) 871-3547 phone chat lines in houston texas phone chat lines free phone chat lines san antonio…

Adult Phone Chat Lines in New Jersey


Livelinks – Chat Lines Flirt, chat and date! Talk to sexy real singles in your area. Call now! (877) 871-3547 phone chat lines in houston texas phone chat lines free phone chat lines san antonio…

Lumberton's Got Talent


There's a lot of negative things said about the City of Lumberton but the city is comprised of some very talented, caring, gifted people. Some have moved but their foundation was established in Lumber…

Top Picks for Valentine’s Day in Cypress!


Love is in the air this week  as couples plan romantic weekend get-a-ways and special dinners.  If you are staying local, Cypress has a few great little hidden gems sure to be a Valentine’s Day hit! …

Carpenter Lumberton (NC) – Lumberton Carpenters


Carpenter Lumberton (NC) Lending helping hands when you need masterpieces built in Lumberton (NC). Papa’s Carpenter Specialists in Lumberton, North Carolina work with, builds and fixes items and str…




SPECIAL INFORMATION FOR LUMBERTON

Avoiding cyberbullyng in LUMBERTON NORTH CAROLINA

Cyberbullying is bullying that takes place using electronic technology. Electronic technology includes devices and equipment such as cell phones, computers, and tablets as well as communication tools including social media sites, text messages, chat, and websites.

Examples of cyberbullying include mean text messages or emails, rumors sent by email or posted on social networking sites, and embarrassing pictures, videos, websites, or fake profiles.

Why Cyberbullying is Different

Kids who are being cyberbullied are often bullied in person as well. Additionally, kids who are cyberbullied have a harder time getting away from the behavior.

  • Cyberbullying can happen 24 hours a day, 7 days a week, and reach a kid even when he or she is alone. It can happen any time of the day or night.
  • Cyberbullying messages and images can be posted anonymously and distributed quickly to a very wide audience. It can be difficult and sometimes impossible to trace the source.
  • Deleting inappropriate or harassing messages, texts, and pictures is extremely difficult after they have been posted or sent.

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Effects of Cyberbullying

Cell phones and computers themselves are not to blame for cyberbullying. Social media sites can be used for positive activities, like connecting kids with friends and family, helping students with school, and for entertainment. But these tools can also be used to hurt other people. Whether done in person or through technology, the effects of bullying are similar.

Kids who are cyberbullied are more likely to:

  • Use alcohol and drugs
  • Skip school
  • Experience in-person bullying
  • Be unwilling to attend school
  • Receive poor grades
  • Have lower self-esteem
  • Have more health problems

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Frequency of Cyberbullying

The 2010-2011 School Crime Supplement (National Center for Education Statistics and Bureau of Justice Statistics) indicates that 9% of students in grades 6–12 experienced cyberbullying.

The 2013 Youth Risk Behavior Surveillance Survey finds that 15% of high school students (grades 9-12) were electronically bullied in the past year.

Research on cyberbullying is growing. However, because kids’ technology use changes rapidly, it is difficult to design surveys that accurately capture trends.

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Avoiding Foreclosure in LUMBERTON NORTH CAROLINA

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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LUMBERTON NORTH CAROLINA: part-time employment while you are enrolled in school

Federal Work-Study provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the student’s course of study.

Here’s a quick overview of Federal Work-Study:

  • It provides part-time employment while you are enrolled in school.
  • It’s available to undergraduate, graduate, and professional students with financial need.
  • It’s available to full-time or part-time students.
  • It’s administered by schools participating in the Federal Work-Study Program. Check with your school´s financial aid office to find out if your school participates.

What kinds of jobs are there?
Are jobs on campus or off campus?
How much can I earn?
How will I be paid?
Can I work as many hours as I want?


What kinds of jobs are there?

The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study, whenever possible.

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Are jobs on campus or off campus?

Both. If you work on campus, you’ll usually work for your school. If you work off campus, your employer will usually be a private nonprofit organization or a public agency, and the work performed must be in the public interest.

Some schools might have agreements with private for-profit employers for work-study jobs. These jobs must be relevant to your course of study (to the maximum extent possible). If you attend a proprietary school (i.e., a for-profit institution), there may be further restrictions on the types of jobs you can be assigned.

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Man working in shop class

If you’re interested in getting a Federal Work-Study job while you’re enrolled in college or career school, make sure you apply for aid early. Schools that participate in the Federal Work-Study Program award funds on a first come, first served basis.


How much can I earn?

You’ll earn at least the current federal minimum wage. However, you may earn more depending on the type of work you do and the skills required for the position.

Your total work-study award depends on:

  • when you apply,
  • your level of financial need, and
  • your school’s funding level.

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How will I be paid?

How you’re paid depends partly on whether you’re an undergraduate or graduate student.

  • If you are an undergraduate student, you´re paid by the hour.
  • If you are a graduate or professional student, you´re paid by the hour or by salary, depending on the work you do.
  • Your school must pay you at least once a month.
  • Your school must pay you directly unless you request that the school
    • send your payments directly to your bank account or
    • use the money to pay for your education-related institutional charges such as tuition, fees, and room and board.

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Can I work as many hours as I want?

No. The amount you earn can’t exceed your total Federal Work-Study award. When assigning work hours, your employer or your school’s financial aid office will consider your class schedule and your academic progress.

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