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Latest News - SEVERN NORTH CAROLINA

Three Johns Hopkins men headline 2015 Tewaaraton Award watch list


Other players on the list with ties to the Baltimore area are Tufts senior attackman Cole Bailey (Severn), Duke junior midfielder Deemer ...
In addition to Johns Hopkins, North Carolina and Virginia are each represented by three players.

Nike/LM HS Preview: Mid-Atlantic Top 10 and Players to Watch


Taylor McDaniels (North Carolina) scored 34 goals as a freshman ...
The Blazers reached the IAAM A semifinals last season, posting wins over Archbishop Spalding (Md.), Severn (Md.), Roland Park, Manhasset (N.Y.) and Bryn Mawr (Md.) along the way.

College Roundup: Navy baseball team routs Coppin in home opener


Navy will next be in action at the Freedom Classic in Kinston, North Carolina. Play between the Mids and the Falcons ...
ST. MARY'S MEN'S LACROSSE: Sophomores Greg Louzan and Kevin O'Malley (Severn School) each recorded a hat trick as the Seahawks opened ...

Company Overview of Meherrin Agricultural & Chemical Co., Inc.


The company's products include seeds, fertilizers, pesticides, crop protectants, and agricultural chemicals. Meherrin Agricultural & Chemical Co., Inc. was incorporated in 1958 and is based in Severn, North Carolina.

College Lacrosse Matchup of the Week: #9 Johns Hopkins at #4 North Carolina


This time of year, big games are the norm in North Carolina. While they’re usually indoors on the ...
Sophomore Brett Bedard (Severn) has also seen significant minutes as a shorty mid. The connection extends to Carolina’s coaching staff as well which ...

Johns Hopkins Faces Tough Test At North Carolina


Sophomore Brett Bedard [Severn] has also seen significant minutes as a short-stick defensive midfielder. The connection extends to North Carolina's coaching staff as well, which includes ex-Loyola University assistant Dave Metzbower and Hopkins/Severn ...

Super 25 Preseason Girls Lacrosse Rankings


North Carolina-bound midfielder Charlotte Sofield headlines a pack of future Division I athletes. 4. Severn School, Severna Park, Md. (14-5) Last season ended with the Admirals falling in the IAAM semi-finals, but Coach Renie Sotiropoulos returns many key ...

Maudrey M. Futrell


The memorial service will be at 2 p.m. on Wednesday, Dec. 31, in Severn Baptist Church, Severn, North Carolina, with the Rev. Mark Corbett officiating. The family will receive friends one hour prior to the service at the church and suggests that memorial ...

Suffolk man charged with sexually assaulting child


The incident happened in Severn, North Carolina. Officers responded to a report of an assault. Once officers arrived on scene, they learned it was for the sexual assault of a juvenile. Authorities say the incident happened while the child’s mother was ...

North Carolina company buying peanut plant


PORTALES, N.M. — A North Carolina company is hoping to buy an eastern New Mexico peanut butter plant that went bankrupt after a salmonella outbreak shuttered its operations and prompted a nationwide recall. Hampton Farms of Severn, N.C., apparently made ...

2 Men Arrested In Attempted Theft Of Vehicle


SEVERN, Md. (WJZ) — Anne Arundel police are invested the attempted theft of a vehicle in Severn early Friday morning. According to police, the victim said they heard a vehicle attempting to start aro…

Review: Her Fallen Protector by Nichole Severn


I have a great treat for you guys today.  I am reviewing a fantastic paranormal romance that will grab hold and excite you through the whole story.  Nichole Severn’s Her Fallen Protector is steamy, se…

Dating Chat Lines in North Carolina


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…

Her Fallen Protector by Nichole Severn ~ Release Day Launch & Giveaway


It’s release day for Her Fallen Protector by Nichole Severn!! I am so excited to share this new paranormal romance with you!! Nichole is sharing new teases with us and giveaways, so be sure to check o…

Her Fallen Protector by Nichole Severn Release Day


It’s release day for Her Fallen Protector by Nichole Severn!! I am so excited to share this new paranormal romance with you!! Nichole is sharing new teases with us and giveaways, so be sure to check o…

Her Fallen Protector by Nichole Severn


It’s release day for Her Fallen Protector by Nichole Severn!! I am so excited to share this new paranormal romance with you!! Nichole is sharing new teases with us and giveaways, so be sure to check o…

Happy Release + Giveaway: Her Fallen Protector by Nichole Severn


When a trio of demons kidnap Vdarra Jansen, her normal life is ripped away. Her abductors claim she is the “lost heiress” of the Underworld, and the commander of the mighty Army of Duemos. They don’t …

Release Blitz: Her Fallen Protector by Nichole Severn and Giveaway


It’s release day for Her Fallen Protector by Nichole Severn!! I am so excited to share this new paranormal romance with you!! Nichole is sharing new teases with us and giveaways, so be sure to check o…

Release Day Blitz: Her Fallen Protector by Nichole Severn + Giveaway


Welcome to our stop on Her Fallen Protector Release Day Blitz for Nichole Severn. This blitz is hosted by InkSlinger PR. Her Fallen Protector An Afterlife Novel Author: Nichole Severn Reading Level: …

Firefighters Battle Blaze In Severn


SEVERN, Md. (WJZ)—Firefighters battle a two-alarm residential fire in Anne Arundel County. Crews were on scene of a large fire near Severn Road and Reece Road in Severn. There were no injuries repor…




SPECIAL INFORMATION FOR SEVERN

Avoiding Foreclosure in SEVERN 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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SEVERN NORTH CAROLINA tspan:3m SEVERN NORTH CAROLINA




Take Action to Improve Your Financial Situation in SEVERN NORTH CAROLINA

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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A problem in the city: A GREAT CONSUMPTION OF ALCOHOL IN ADOLESCENCE CAN IMPAIR THE BRAIN PERMANENTLY

To drink much during the teens years could lead to structural changes in the brain and memory deficits that persist in the adult phase, according to the disturbing results of a study done on animals. The study found that, even as adults, rats who had daily access to alcohol during his adolescence had reduced levels of myelin. With a function not very different from the  insulation of electrical wiring, myelin forms an insulating layer that surrounds the axons. These are filiform extensions of neurons that transmit nerve impulses.

These brain changes in rats were observed in a region important for reasoning and decision-making. Animals who drank more alcohol performed worse on a test of memory made when they were adults. The results suggest that high doses of alcohol during adolescence may continue affecting the brain even when the inpidual has left the consumption of alcohol. More research is needed to determine if these findings can be applied to humans.

According to the World Health Organization, a growing number of teens and young adults is provided to drinking to get drunk, consuming four (five for men) or more drinks in about two hours. Previous research in humans have shown an association between an episode of drinking excessive (binge) in adolescence, changes in the myelin sheath in several brain regions, and cognitive impairments in adulthood. However, it was unknown if alcohol was behind these brain differences and behaviour or if there was predisposition factors that could explain the found.

In this study, Heather N. Richardson, Wanette M. Vargas, Lynn Bengston and Brian. W. Whitcomb, of the University of Massachusetts in Amherst American city, as well as Nicholas W. Gilpin, of the State University of Louisiana in New Orleans, United States, compared the myelin in the prefrontal cortex (an area of the brain that is vital to reason and make decisions) in young male rats who gave a daily sweetened alcohol or sweetened water access for two weeks. It was found that animals that drank alcohol in his teens experienced a reduction in the levels of myelin in the prefrontal cortex, compared with those who drank a similar amount of sweetened water. When the researchers examined the animals exposed to the alcohol several months later, they found that continued showing levels of myelin reduced as adults.

In noticiasdelaciencia.com [21]










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