NORTH JUDSON INDIANA NEWS AND BLOG


Latest News - NORTH JUDSON INDIANA

Logan travels to Richmond for NCC showdown


NORTHWESTERN (9-2, 3-0 MIC) AT CASS (7-4, 1-1 MIC) The Mid-Indiana Conference-leading Purple Tigers put ...
The Warriors have won five in a row including a sweep of North Judson and Tippecanoe Valley last weekend. Derek Dotlich (12.5 ppg) leads a balanced ...

Third annual Honor Band Program at DePauw Saturday and Sunday


Central Indiana schools represented in this year's Honor Band include Cathedral High School, Clay City, Eastern, Edgewood, Greencastle, Lebanon, North Putnam, Pike, Scecina Memorial High School, South Vermillion and Terre Haute North Vigo high schools.

Musicians from 11 High Schools to Perform at Sunday's Third Annual Honor Band Concert


The DePauw University School of Music will host its third annual Honor Band program at the Judson ...
Indiana schools represented in this year’s Honor Band include Cathedral High School, Clay City, Eastern, Edgewood, Greencastle, Lebanon, North Putnam ...

10 of the safest college campuses in the U.S.


Judson College ...
Purdue University-North Central Campus: Westville, Ind. Purdue is a mid-sized public university located in a rural area. Westville is a very small town located in the northwest region of Indiana. The campus and surrounding areas have ...

Saturday's Indiana prep schedule


6:30 p.m. Boone Grove at Portage, 7 p.m. Gary 21st Century at Covenant Christian, 7 p.m. Lake Station at Hebron, 7 p.m. LaPorte at Plymouth, 7 p.m. North Judson at Wheeler, 7 p.m. Bowman Academy at Guerin Catholic, 12:30 p.m. Knox at Hebron, 12:30 p.m ...

The Indiana Football Digest's Insider – 2014 Sectionals Week One


Each league's record against non-conference opponents during the regular season Northeast Hoosier (14-2), Hoosier Heritage (12-4), Midwest (12-4), Hoosier (15-6), Conference Indiana (11-5 ...
Bremen 12, North Judson 12. Andrean and Columbus East have ...

Carmen Elizabeth Foust


Carmen Elizabeth Foust, 83, Kokomo, passed away at 5:27 P.M. on April 2, 2014 at the Wellington at Kokomo, Kokomo, Indiana. She was born on March 18, 1931 in North Judson, Indiana to the late Herschel and Geroldine (Currier) Smith. On May 24, 1953 ...

Indiana notebook | Corydon's Kolkmeier All-Star coach


Corydon's Jamie ...
Bedford North Lawrence's Sammy Dillman and Columbus East's Allyson Bunch will compete in the North-South All-Star Classic at Vincennes University on April 13. Jeffersonville is ranked No. 1 in the Indiana High School Baseball Coaches ...

Day Trip: Get on the train at the Hoosier Valley Railroad Museum in North Judson, Indiana


NORTH JUDSON, Ind. — Steamy best describes this Day Trip. The steamy heat caused sweat to drip into our eyes while steam poured out of a locomotive at the Hoosier Valley Railroad Museum, 507 Mulberry St., in North Judson, Ind. With a Best-Ever Friend and ...

Mint Festival in North Judson, Indiana


These festivals are a time for the community to come together and celebrate and have a good time. North Judson, Indiana strikes up it's annual Mint Festival the weekend of Father's Day every year. North Judson can be known for it's wondeful minty aroma in ...




SPECIAL INFORMATION FOR NORTH JUDSON

Avoiding Foreclosure in NORTH JUDSON

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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NORTH JUDSON INDIANA tspan:3m NORTH JUDSON INDIANA




Avoiding job scams in NORTH JUDSON

Scammers know that finding a job can be tough. To trick people looking for honest work, scammers advertise where real employers and job placement firms do. They also make upbeat promises about your chances of employment, and virtually all of them ask you to pay them for their services before you get a job. But the promise of a job isn’t the same thing as a job. If you have to pay for the promise, it’s likely a scam.

Signs of a Job Scam

Scammers advertise jobs where legitimate employers do — online, in newspapers, and even on TV and radio. Here’s how to tell whether a job lead may be a scam:

You need to pay to get the job

They may say they’ve got a job waiting, or guarantee to place you in a job, if you just pay a fee for certification, training materials, or their expenses placing you with a company. But after you pay, the job doesn’t materialize. Employers and employment firms shouldn’t ask you to pay for the promise of a job.

You need to supply your credit card or bank account information

Don´t give out your credit card or bank account information over the phone to a company unless you´re familiar with them and have agreed to pay for something. Anyone who has your account information can use it.

The ad is for "previously undisclosed" federal government jobs

Information about available federal jobs is free. And all federal positions are announced to the public on usajobs.gov. Don’t believe anyone who promises you a federal or postal job.

Job Placement Services

Many job placement services are legitimate. But others lie about what they’ll do for you, promote outdated or fake job openings, or charge up-front fees for services that may not lead to a job. In fact, they might not even return your calls once you pay.

Before you enlist a company’s help:

Check with the hiring company

If a company or organization is mentioned in an ad or interview, contact that company to find out if the company really is hiring through the service.

Get details — in writing

What’s the cost, what will you get, and who pays — you or the company that hires you? What happens if the service doesn’t find a job for you or any real leads? If they’re reluctant to answer your questions, or give confusing answers, you should be reluctant to work with them.

Get a copy of the contract with the placement firm, and read it carefully. A legitimate company will give you time to read the contract and decide, not pressure you into signing then and there. Make sure any promises — including refund promises — are in writing. Some listing services and "consultants" write ads to sound like jobs, but that’s just a marketing trick: They´re really selling general information about getting a job — information you can find for free on your own.

Know whether it’s job placement or job counseling

Executive or career counseling services help people with career directions and decisions. They may offer services like skills identification and self-evaluation, resume preparation, letter writing, and interview techniques, and general information about companies or organizations in a particular location or job field.

But job placement isn’t guaranteed. Fees can be as high as thousands of dollars, and you often have to pay first.

The National Career Development Association (NCDA) offers some tips on finding and choosing a career counselor, and explains the different types of counselors active in the field.

Check for complaints

Your local consumer protection agency, state Attorney General´s Office, and the Better Business Bureau can tell you whether any complaints have been filed about a company. Just keep in mind that a lack of complaints doesn’t mean the business is on the up-and-up. You may want to do an internet search with the name of the company and words like review, scam, or complaint. Look through several pages of search results. And check out articles about the company in newspapers, magazines, or online, as well.

Where to Look for Jobs

You’ve read the many resume and interview tips from respected sources available for free online, and scoured online job boards and newspaper classifieds. Some other places to look for leads in your job search include:

CareerOneStop

Sponsored by the U.S. Department of Labor, CareerOneStop lists hundreds of thousands of jobs. It also links to employment and training programs in each state, including programs for people with disabilities, minorities, older workers, veterans, welfare recipients, and young people. For federal jobs, all open federal positions are announced to the public on usajobs.gov.

State and county offices

Your state’s Department of Labor may have job listings or be able to point you to local job offices that offer counseling and referrals. Local and county human resources offices provide some placement assistance, too. They can give you the names of other groups that may be helpful, such as labor unions or federally-funded vocational programs.

College career service offices

Whether it’s a four-year university or community college, see what help yours can offer. If you’re not a current or former student, some still may let you look at their job listings.

Your library

Ask if they can point you to information on writing a resume, interviewing, or compiling a list of companies and organizations to contact about job openings.

Report a Job Scam

If you’ve been targeted by a job scam, file a complaint with the FTC.

For problems with an employment-service firm, contact the appropriate state licensing board (if these firms must be licensed in your state), your state Attorney General, and your local consumer protection agency.

To learn about credit and background checks when you’re looking for a job, read What to Know When You Look For a Job.

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This is Real: The World Climate is Changing

Our Earth is warming. The average temperature of the Earth has risen about 1.4 ° F (0.7 ° C over) over the last century. It is projected that the average temperature rise of approximately 2 to 11.5 ° F (1.1 ° C to 6.4 ° C) over the next hundred years. Small changes in average global temperature could lead to large and potentially dangerous changes in climate and weather.

The evidence is clear. Rising temperatures have been accompanied by changes in the weather and climate. Many sites have seen changes in rainfall, which resulted in more flooding, drought or heavy rain and waves more frequent and severe heat.The oceans and glaciers on the planet have also undergone some big changes: the oceans are warming and acidifying, the ice caps are melting and sea levels are rising. As these and other changes are more pronounced in the coming decades, they will have to present challenges to our society and our environment.

Learn about the signs of climate change in the United States.


Humans are largely responsible for recent climate change

smoke coming from a chimney in a factory

Over the past century, human activity has downloaded large amounts of carbon dioxide and other greenhouse gases into the atmosphere. Most greenhouse gases come from the burning of fossil fuels that produce energy, but deforestation, industrial processes and some agricultural practices also emit gases into the atmosphere.

The greenhouse gases act like a blanket around the Earth, which traps energy in the atmosphere and causes it to heat.This phenomenon is called the greenhouse effect is natural and necessary to sustain life on Earth. However, the accumulation of greenhouse gases can change the Earth´s climate and dangerous effects to human health and welfare and ecosystems.

The choices we make today will affect the amount of greenhouse gases in the atmosphere will in the near future and for years to come.

Learn about the causes of climate change .


Climate change affects all

Our lives are linked to climate. Human societies have adapted to relatively stable climate which have enjoyed since the last Ice Age ended several millennia ago. A warming climate will result in process changes that could affect our water supplies, agriculture, energy and transport systems, the natural environment and to our own health and safety.

Some of the climate changes are inevitable. carbon dioxide can remain in the atmosphere for about a century so the Earth will continue to warm over the coming decades. The hotter it gets, the greater the risk of more severe changes in climate and Earth system. Although it is difficult to predict the exact impacts of climate change, it is clear that the climate to which we are accustomed to is no longer a guide to which we can trust what we can expect in the future.

We can reduce the risks we face from climate change. Choosing options that reduce pollution from greenhouse gases and prepare for the changes that are already underway, we can reduce the risks of climate change. Our decisions will shape the world in which our children and grandchildren will live.

Learn about the impacts of climate change and adaptation to change .


We can make a difference

hands holding a globe

You can take action. You can take steps at home, on the road, in your office to reduce emissions of greenhouse gases and the risks associated with climate change. Many of these steps can save you money; some, such as walking or cycling to work could improve your health! You may also participate in activities to support local or state level energy efficiency, clean energy programs and other climate programs.

Learn about what you can do .

Calculate your carbon footprint and find ways to reduce their emissions through simple actions you take daily.

EPA and other federal agencies are taking action. EPA is working to protect the health and welfare of the people in this country through common sense measures to reduce pollution and greenhouse gases to help communities prepare for change climate.

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