SHELBY INDIANA NEWS AND BLOG


Latest News - SHELBY INDIANA

Indiana Senate panel approves bill requiring ethnic studies in schools


Shelby, Tippecanoe, Tipton, Vermillion, Vigo, Warren Winter Storm Watch issued January 30 at 11:37AM EST expiring February 2 at 7:00AM EST in effect for: Benton, Jasper, Lake, Newton, Porter Winter Storm Watch issued January 30 at 11:35AM EST expiring ...

Winter storm watch issued for central Indiana


A winter storm watch has been issued for counties in central Indiana, including Howard and Tipton counties ...
Putnam, Randolph, Rush, Shelby, Tippecanoe, Tipton, Vermillion, Vigo and Warren.

Clarksville 2nd 'most dangerous' in Indiana


Shively was ranked more dangerous at 36th on that list, while several local areas were listed as safer: Bardstown (4th); Jeffersontown (6th); Shelbyville (8th); Elizabethtown (10th); Shepherdsville (11th) and St. Matthews (23rd). In Southern Indiana ...

State Salutes Former Indiana Congressman


Shelby Funeral Home is assisting the family ...
For three decades, John worked tirelessly to represent Hoosiers from west central Indiana in the U.S. House of Representatives. The legacy of public service he leaves behind is unmatched, and we do well ...

Proposed state law to have little impact on Shelbyville Police Department


While the Indiana General Assembly passed legislation that requires police reserve officers to complete in-service training in interacting with individuals who suffer from mental illness and other disorders, officials with the Shelbyville Police Department ...

15-term Indiana Congressman John Myers dead at 87


COVINGTON — Former U.S. Rep. John Myers, who represented western Indiana's 7th District for three decades, has died. Owner Robert Shelby of Shelby Funeral Home in Covington says the 87-year-old Myers died Tuesday morning in his home following a brief ...

Bill to Regulate Indiana Animal Exhibitors and Dealers Dies in Committee


Indiana law says that dealers and exhibitors licensed by the ...
Michael Crider, a Republican who represents parts of Marion, Shelby and Hancock counties, had hoped to change that. Support for WFPL comes from: In pushing his proposal, Crider cited recent ...

Shelby Mast's Bracketology: Indiana's NCAA touranment prospects are much better this year


The college basketball landscape in Indiana is much brighter this year compared to last year. Here's where things stand for in-state teams as of now. Indiana has exceeded expectations so far this year. Big wins over SMU, Maryland and Butler have ...

Indiana lawmakers facing renewed debate over casinos


The proposal would also allow the state’s two horse track casinos — Hoosier Park in Anderson and Indiana Grand in Shelbyville — to have live dealers for table games such as blackjack that are now run by computers. Along with the decline in revenues ...

Illinois teen arrested in Indiana following high-speed chase


INDIANA-–An Illinois teen is being held in the Fountain County Jail in Covington, Ind., after leading police on high-speed chase that originated in Danville and ended in Indiana. Dorries Williams, 18, of Danville, Ill., faces numerous charges in both ...




SPECIAL INFORMATION FOR SHELBY

Avoiding Foreclosure in SHELBY

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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SHELBY INDIANA tspan:3m SHELBY INDIANA




Health insurance on SHELBY

Young adults have several options to get coverage through the insurance market.

1. Special Enrollment Periods

Find out if you are eligible for a Special Enrollment Period. You may be eligible for registration under the Special Enrollment Period unknowingly. If your student medical coverage you finished, you may be eligible for a Special Enrollment Period that will allow you to purchase a health plan through the Insurance Market. You might also grant a Special Enrollment Period if you get married or porced, have a child or adopt a child, moving to another area, and not old enough to be on the safe parent or have in your life some other event eligible to do so.

2. Medicaid and CHIP

Find out how to request coverage for Medicaid and CHIP . You can enroll in Medicaid or the Childrens Health Insurance Program (CHIP) at any time of year. If you qualify you can now register.

3. coverage through the health plan of the parent

You can get coverage from their parents plan until age 26, even if married, not living with their parents or dependent on them economically. After age 26, you qualify for a Special Enrollment Period.

4. Catastrophic Coverage

These plans are an affordable way to protect yourself from the high costs of the worst cases, such as an accident or serious illness. If you are under 30, you can purchase a catastrophic plan coverage. Served three visits per year before you have paid the deductible and certain preventive services .

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Something that you may to know about Saudi Arabia

"The Kingdom ... strongly condemns and denounces this cowardly terrorist act that is rejected by true Islamic religion as well as the rest of the religions and beliefs."

So reads the statement issued by Saudi Arabia, where I grew up, the day the offices of "Charlie Hebdo" came under attack, with the loss of 12 lives.

Last Sunday, to show further solidarity with the victims, the Saudi ambassador to France joined other world leaders in Paris for a unity rally to celebrate free speech.

This is consistent with the face Saudi Arabia presents to the outside world. Visitors to the website of the Saudi embassy in Washington are invited to "learn ... how the Kingdom´s political system is rooted in Islam´s traditions which call for peace, justice, equality, consultation and respect for the rights of the individual."

Just two days before the Paris rally, my friend Raif Badawi was removed, in shackles, from a mini-bus outside the Al-Jafali mosque in Jeddah as a large crowd gathered around him after Friday prayers. According to eyewitnesses, he closed his eyes and raised his head skyward as a security officer approached him from behind with a large cane and started to beat him. Witnesses say Raif was lashed 50 times. Afterwards, he was taken back to prison where he is serving a 10-year sentence—for blogging.

Raif´s next flogging was set to take place today, but Saudi authorities postponed it due to medical advice, his wife said. She expects he will be flogged again next week—and every following week—until his sentence of 1,000 lashes is complete.

Raif is officially charged with "adopting liberal thought," "founding a liberal website," and "insulting Islam." He has become the latest symbol of the two-faced policy his country takes towards human rights.

Saudi Arabia is a strong American ally that has enjoyed virtually unconditional support from the United States for decades. President Bush famously held hands with its monarch, King Abdullah, as the two strolled through his Crawford, Texas ranch during the King´s 2005 state visit. President Obama was widely criticized for appearing to bow to Abdullah at a G-20 summit in London.

In the same month that ISIS horrified the world with its brutal beheading of journalist James Foley, Saudi Arabia publicly beheaded 19 people, for crimes ranging from smuggling cannabis to sorcery. Limb amputations for theft are sanctioned by the state religion.

In addition to oil, Saudi Arabia is the world´s leading exporter of Salafism, an ultra-conservative strain of Islam. The country touts itself as the birthplace of the religion of peace—yet underlines the Islamic declaration of "Shahadah" on its flag with a sword. Osama bin Laden was a Saudi citizen, as were 15 of the 19 hijackers on 9/11.

Why does a world outraged by the horrific actions of ISIS and the Taliban turn a blind eye to the way this country treats its own citizens?

The first reason is obvious. It isn´t just our governments. Every time we fill our cars with gas, we all bow to the Saudi king.

The second is more complex.

Online videos of Raif´s flogging show worshipers from the mosque, including young children, running excitedly towards the square to watch the beating. Afterwards, the crowd erupts into cheers and applause, chanting "Allahu Akbar!" (God is Great!) in unison.

This isn´t surprising. The public likely considers Raif guilty of blasphemy and apostasy. A 2013 Pew Research poll found that large numbers in Muslim countries favor the death penalty for leaving Islam—including 88% of Egyptian and 62% of Pakistani Muslims, as well as majorities in Jordan, Malaysia, Palestine, and Afghanistan.

Of course, these views don´t represent all Muslims. But contrary to what we´re usually told, they aren´t just held by a fringe minority either. Many of these countries don´t have populations willing to rally en masse to support free speech and pluralism the way France did. The change has to first come from within.

Raif has sacrificed a great deal to make this change happen. The world must support him and call Saudi Arabia out on its hypocrisy.

Some time ago, just 50 miles east of where Raif is being held today, another dissident once spoke of change, of challenging the status quo, of radical new ideas that would ultimately transform his society. He was ostracized, persecuted, and eventually driven from his city by those wanting to kill him. He was Mohammed, the Prophet of Islam; his persecutors, the Quraysh tribe of Mecca.

Muslims endeavor to emulate the life of Mohammed. Saudi Arabia has instead chosen to emulate the Quraysh.

This week, Raif spent his 31st birthday imprisoned and wounded. With enough awareness, we can put enough international pressure on the Saudi government to ensure that he spends his next one with his wife and their three beautiful children.

Ali A. Rizvi is a Pakistani-Canadian writer and friend of Raif Badawi. He grew up in Libya, Saudi Arabia, and Pakistan, and is an advocate for secularism and reform in the Muslim world. He is currently writing his first book, "The Atheist Muslim." [5]








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