PHILIPPI WEST VIRGINIA NEWS AND BLOG


Latest News - PHILIPPI WEST VIRGINIA

Pierpont and ABU will work together on petroleum degree programs


A West Virginia community college and 4-year institution will work ...
Jan. 23 between Pierpont and Alderson Broaddus University in Philippi. At Pierpont, students can already earn a 2-year applied sciences degree in petroleum technology.

Creola Murphy, 97, Orrville


Burial will be in Mount Vernon Cemetery in Philippi. Friends may call today (Friday) at Auble Funeral Home, 512 E. Oak St., Orrville from 4-6 p.m. or one hour prior to the service on Sunday at the funeral home in West Virginia. Online registry and ...

UU swimmers sweep Alderson-Broaddus


PHILIPPI, West Virginia (January 17, 2015) – Both the Blue Knight men’s and women’s swim teams got back on the winning track on Saturday afternoon. Urbana University swept Alderson-Broaddus University in the Battlers’ home pool. The Blue Knight men ...

Woodworker Creates His Pieces Using Wood from the Mountain State


He'll use wood from well-known places like the Philippi Covered Bridge ...
He's even going to make some pens using wood from the old bowling alley at West Virginia Wesleyan College. He's also looking into getting some from the Trans-Allegheny Lunatic ...

Dr. Jacqueline S. Stemple


She earned a BS in Nursing at Alderson Broaddus College in Philippi, WV and an MS in Nursing and EdD from West Virginia University. Her experience as a nurse educator began at the Monongalia General Hospital Nursing Program in 1960 and she was recruited ...

Alderson Broaddus adds legal studies as major; recruitment on W.Va. campus starts


PHILIPPI, West Virginia — Alderson Broaddus University is adding a new major: legal studies. The program will be launched next fall on the Philippi campus, with the recruitment of students beginning immediately. The legal studies program will be ...

Juvenile Injustice


An altercation with another student at Philip Barbour High School in Philippi, West Virginia ...
as detention centers and group homes. West Virginia’s geography represents a major hurdle to turning the juvenile incarceration rate around.

Brotherhood Outdoors Tv Takes West Virginia Coal Miner On A Paid Illinois Whitetail Hunt


Chad Keller, a union coalminer from Philippi, West Virginia hunts white-tailed deer in the March 9 episode of Brotherhood Outdoors. The show airs Sunday, 11 a.m. ET, on the Sportsman Channel. Union Sportsmen’s Alliance Nashville, TN – February 20 ...

West Virginia-themed crafts and gifts attract customers from near and far


PHILIPPI — A West Virginia store, filled with blue and gold, coal figurines and locally made crafts, fits perfectly in a town like Philippi. The county seat of Barbour County, Philippi was the site of the first land battle of the Civil War and lays claim ...

Fatal Fire in Philippi, West Virginia Ruled Arson


PHILIPPI, W.Va. (AP) -- A Barbour County apartment building fire that killed two people over the weekend was deliberately set, state Fire Marshal's Office spokeswoman Kim O'Brien said Tuesday. The bodies of a male and a female were found in a second-floor ...




SPECIAL INFORMATION FOR PHILIPPI

Avoiding Foreclosure in PHILIPPI

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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PHILIPPI WEST VIRGINIA tspan:3m PHILIPPI WEST VIRGINIA




Avoid using heart rate monitors or take fetal pictures of "remembrance"

Ultrasonography is the most widely used medical method for imaging the fetus during pregnancy.

Fetal fetal ultrasonography provides images in real time.The fetal heart rate monitors Doppler ultrasonic devices are handheld devices that allow one to hear the heartbeat of the fetus. Both are prescription devices designed for use by trained health professionals. They are not intended for sale or use nonprescription medications, and FDA censorship categorically use to take videos and pictures of fetal keepsake.

"Although there is no evidence that there is any damage as a result of the ultrasound images and heart rate monitors, it is important that prudent use of these devices by providers trained health becomes" warns Dr . Shahram Vaezy, PhD, a biomedical engineer at the FDA."Ultrasound can gently heating the tissue and in some cases also create tiny bubbles (cavitation) in some of them."

The long-term effects of heating and cavitation of tissue are unknown. Therefore, ultrasonography should be performed only when there is a medical need, backed by a recipe and trained technicians.

The fetal keepsake videos are controversial, because exposing the fetus to ultrasound brings no medical benefit.The FDA knows of several companies that sell ultrasound imaging in the United States to fetal keepsake videos.In some cases, be that the ultrasound machine used for up to an hour to record a video of the fetus.

Although the FDA recognizes that fetal images can help strengthen the bonds between parents and the unborn baby, such opportunities are provided routinely during prenatal care. In creating fetal keepsake videos, there is no control over how long it will last one sonographic sign, how many sessions will be held or ultrasound systems work well. Instead, explains Dr. Veazy, "the proper use of ultrasound equipment covered by a prescription, ensures that pregnant women receive professional care that contributes to your health and your baby".

Heart Rate Monitors Doppler ultrasound:

Similar concerns surrounding the sale and use of heart rate monitors Doppler ultrasound. These devices, which are used to hear the heartbeat of the fetus, are lawfully marketed as "medical devices prescription", and can only be used by a health professional or under the supervision of one.

"When the product is purchased without a prescription and used without consulting a health care professional who is attending to the pregnant woman, there is no oversight on how the device is used. In addition, it is expected that exposure has little or no medical benefit, "says Dr. Vaezy. "Furthermore, the number of sessions, or duration, for the images of a fetus lack of controls, and that increases the possibility that the fetus and, ultimately, the mother damaged".

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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]






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