NEWLAND NEWS AND BLOG


Latest News - NEWLAND

Community rallies to save Pius X


Jennifer Newland never went to school at Pius X, but as a 17-year Slate Belt resident, she is helping organize the effort to save the school. "When outsiders talk about Roseto, they always talk about the church and the school," she said. "It's part of what ...

Newland resident wins big


The odds were slim, but one Avery County resident was lucky enough to beat them. Rachel Hoilman of Newland won $1 million on a Powerball ticket sold in Spruce Pine in the Jan. 3 drawing, Hoilman matched five out of six numbers to win, the chances of which ...

Inter-Service Club Council installs new officers at Manassas ceremony


Judge Weimer conducted the installation of the new 2015 ISCC officers: President Ernie Newland, Vice President Chester Smith, Secretary Joseph Angsten and Treasurer Julian Rozzell. The following outstanding volunteers were awarded for their accomplishments ...

Rail terminal project comment deadline extended


The comment deadline for the project’s environmental review was Friday. North Everett resident Jo Newland saw the first mention of the rail loop in a story published Monday in The Daily Herald. The project developer, a partnership between Cedar Grove Com ...

3 in custody following domestic violence incident, chase, crash in Pittsburgh


All three people were quickly taken into custody after police K-9’s searched the area. They were later identified as Robert Newland, Shania Williams-Harriott and Carl Green III. McClay said an AK-47 assault rifle was also found in the car.

Chase ends with crash, 3 arrested on South Side


Cmdr. Larry Scirotto said officers spotted the car Green was in and attempted to pull the driver over. They said 24-year-old Ronald Newland was behind the wheel and sped away toward the South Side Flats. Police followed the Jeep down to South 10th and ...

3 arrested after police chase ends in South Side crash with 1 injured


While en route to the call, police spotted a Jeep at Arlington Avenue and Fernleaf Street. Robert Newland, 24, crouched down in the driver's seat when he saw the patrol car, police said. With guns drawn, police ordered Newland, Green and Shania Williams ...

David Wayne Reed’s new play, ‘Help Yourself,’ makes serious points with acute humor


And the actors are quite good. Reed’s conceit is that we, the theatergoers, are attending a seminar led by self-help guru Gabe Newland (Jeff Smith), a manic flimflam man selling the concept of US, short for “understanding simplified.” Gabe’s main ...

Students abroad left uninformed by universities in wake of terror attacks


“Nobody reached out at all from GW,” says Spencer Newland, a junior at George Washington University who leaves on Monday to study in Paris for a semester. “I thought they could have at least sent a ‘Be safe, be smart, these are the things we told ...

Conner Jeff Newland


GREEN RIVER - Our beloved son, brother, uncle, COACH and friend to all, Conner returned to his Heavenly Father on January 10, 2015 at the age of 22. Conner was born May 21, 1992 in Price, Utah to Jeff and Valerie Farnsworth Newland. He lived an awesome ...




SPECIAL INFORMATION FOR NEWLAN

Avoiding Foreclosure in NEWLAN

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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NEWLAND tspan:3m NEWLAND




The city and the 7 steps to positive thinking

Most of us keep a constant mental conversation .  We talk with ourselves every day, and unfortunately, many times these "internal" discussions are negative,  often marked by guilt about the past or worry about the future.  Such negativity can destroy any sign of hope that we have about the realization of our dreams.

Our actions are based on our thoughts.  If we change the way we think, we can begin to change the actions we take.  Humans are always in pursuit of personal growth  financial, emotional, physical or spiritual. Practicing positive internal conversations can help us going to take actions that lead to great results.

Then I leave seven steps to achieving a positive self-talk.  Following these steps you will be able to start eliminating your negative conversations and replace them with thoughts that will motivate you to improve.

1   Eliminate negative self-talk

The first step is realizing.  Would difficult to make a change without know intimately the thoughts that are in our head. 

No doubt that if you have a long history of negative internal conversations, will be a challenge.  Their conversation becomes negative over the years for various reasons.  For example, if a child constantly told you that you were "dumb", you could incorporate as a truth. Then  you will discover your inner self there is a little voice that often repeats phrases like "I´m too slow", or "it costs me learn something."  If you constantly pass on negative stories, your actions will reflect their low self-esteem.  Going to be difficult for you to get somewhere if you´re always pulling back.

Ordinary conversation includes the negative "can not."  When you say to yourself  "I can´t" or "it´s very difficult," you are creating resistance.  A mental block  are prevented you from doing things that  could succeed.

Whenever you find yourself saying "I can´t ...", stop the game and challenge yourself with a "why?".  Studies show that most geniuses become outstanding people after years of commitment and more commitment.  So if you want to be successful need to start saying "I can" more often.

A good method I have found useful is to say "stopping, stopping" whenever I notice myself saying something negative about myself, both mentally and verbally.  This method works if you have a sincere interest in positive thinking.

2    Positive Affirmations

Affirmations are positive expressions of a desired outcome or goal.  Expressions are generally short, believable and focused.  By repeating them over time, we opened new paths in our subconscious, creating the possibility of a new order of thoughts.

An important step in repeating affirmations is to read them aloud and with feeling.  But read does not help unless you really feel what you say.

Surely you have any questions about this technique at the beginning.  Nevertheless, if you follow these simple instructions to his disbelief will soon be replaced by faith in yourself.

3      Create positive screenplays

One thing you can see is that it´s easy for your mind to generate negative thoughts, based on other negative thoughts.  This cycle never ends, but increases, creating a strong limitation.

From now on, let´s do this exercise.  Invent a positive, uplifting story that flows like a movie script.  Visualize the situation. Build  the story with a positive ending;  how bigger the storyline  better.  Better yet if you can develop a story that tells how all your goals are reached.  When you do begin to internalize your goals and dreams as if they were something you already did.

4      Replace negative influences with positive

It is important to identify external negative factors in your life that are limiting your thoughts.  For example, your mood can poison with friends and people who are negative.  If you are not careful enough, you will begin to adopt their  negative thoughts.  So be alert to negative influences.  Whether they come from friends, limit your exposure to these thoughts as much as you can. Additionally, avoid discussing your plans with people who did not  encourage and help you in your dreams and goals.

Instead, look to surround yourself with the thoughts and actions of people that motivate you. Before long you will see the transformation of a pessimistic ball in a good and pleasant aura .  This positive energy that surrounds you will begin to improve their internal conversations too.

5    Posts in present time

What can help you is to focus about the steps you can take now.  If you find yourself locked, think: "what can I do now?."  Change your self-talk, letting anxiety about the future and start to act in this time.  You can not control what happens in the future, but if you take the necessary steps now, it allows you to have a better tomorrow. Focus   your thoughts on today and now.

6    Controlling fears

Fear is often what prevents you from achieving the goals.  Are you afraid to take risks for fear of losing the security that enjoys now.  You try to convince yourself that you are happy in their current state when, in reality, is not .  Your inner self may seem positive in trying to lie to himself.  Yet somehow, you know you´re cheating.

Ask yourself what are your fears. What ´s the worst that can happen? Follow  a step-by-step approach - to discuss their fears and see if there is any way to see things more positively.  When you confront your fears, often going to realize that the worst case scenario is not as bad as thought.  On indeed, the benefits of change tend to justify the risk.

7    Enjoy the good times

It´s much easier to have a positive attitude if you focus on the good moments of your life instead of the bad.  Although it is inevitable to have  problems and challenges, remember that life consists of ups and downs, and that the good times are forged through the bad times.

So choose to fill your mind with positive thoughts and images.  Make it a conscious habit.  To start, if you can be grateful for what you have now, your internal conversation will begin to change and align yourself with that sense of joy.  A state of gratitude helps a lot to your mind.

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A  new brand of smartphones defy Samsung and Apple

We know that Samsung is the largest manufacturer in the world of smart phones, and Apple is number two. But, do you have any idea who is the third largest is?

¿Lenovo? ¿LG? Nokia nosing? ¿Sony? No, no, no and no. It is a Chinese company called Xiaomi.

If you´ve never heard of Xiaomi, you can soon do it.

Xiaomi raised 1,100 million dollars in funding from some of the most powerful players in the high tech industry. That gives the company a value of $ 45,000 million - larger than LG, Motorola and Sony together. Xiaomi is now the new world´s most valuable company, even more than Uber, Airbnb and Pinterest.

Xiaomi is also the smartphone maker´s fastest growing company. Its sales soared 211% to more than 17 million smartphones in the third quarter of 2014 - a little less than half the number of iPhones that Apple sold, according to IDC.

Xiaomi participation in the market more than doubled to just over 5%. A year ago, was only 2% of the market.

The smartphone maker in China rose so fast with that focused on China and some nearby high-growth countries. Xiaomi is now the number two brand smartphones in China (behind only Samsung), and recently began selling phones in Indonesia, Mexico, Russia, Thailand and Turkey.

Xiaomi arrived in growth markets by storm, offering super low price phones online sales only. The magnificent smartphone E4 company debuted in August, designed to be at home the iPhone killer.  Its design almost exactly like the iPhone, helps.

The company has a unique business model: not even about making money with their phones $ 130, which sells at cost. Most of the proceeds from the sale of accessories and applications.

Xiaomi also has a knack for marketing, advertising campaigns have attracted a massive group of very loyal fans in China.

"We will strive to continually bring innovation to everyone, with a goal of producing high-quality, high-performance devices with great user experience," said Bin Lin, founder of Xiaomi, in a Facebook message Monday . "In January 2015, we will launch our next flagship device".

The big question for Xiaomi is whether it can grow beyond the countries where it already sells phones. For example, could Xiaomi shake the US smartphone market, which is dominated by Samsung and Apple?

Chinese manufacturers of smartphones have not exactly been welcome in the United States. None of the major national competitors Xiaomi -Lenovo, Yulong and Huawei- have made no progress in America.

For most of the past decade, Nokia was the world leader in sales of cell phones without a significant presence in the United States. LG, Sony and many others have found international success, but failed to gain traction on US soil.

Xiaomi has no plans to sell phones in the United States. But when that day comes, he will face his greatest challenge.

 David Goldman , CNNMoney

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