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Indiana High School Boys Basketball Top 10 Teams


Covington (21-1) beat N. Putnam 74-24, beat S. Vermillion 58-38. 2. Orleans (17-2) vs. W. Washington, ppd. to Feb.25, vs. Shoals, cancelled, vs. Eastern (Greene), cancelled. 3. Barr-Reeve (18-2) vs. Vincennes Rivet, ppd. to Feb.25. 4. Liberty Christian (19 ...

Thursday's Scores


Vincennes Rivet, ppd. to Feb 23. Seymour vs. Greensburg, ppd. Shoals vs. Dubois, ppd. to Feb 23. Southwestern (Hanover) vs. Trinity Lutheran, ppd. to Feb 21. Southwestern (Shelby) vs. N. Decatur, ppd. to Feb 23. Taylor vs. Carroll (Flora), ppd. to Feb 23.

FreightCar America, Inc. Reports Fourth Quarter and Full Year 2014 Results


Looking ahead to 2015, operational execution will be key as we start an additional production line at our Shoals facility and anticipate full ...
charge related to the closure of the Clinton, Indiana facility. Services segment operating income was $1.6 ...

Landmarks Names Partners in Preservation


Indiana Landmarks announces recent awards from its Partners ...
Fine and Sons Building, New Albany (Floyd Co.) Shoals Historic District, Shoals (Martin Co.) Pennsylvania Railroad Depot, Decatur (Adams Co.) Henry Henley Memorial Public Library, Carthage ...

Three Arrested On Drug And Weapons Charges In Shoals


(SHOALS) - Indiana State Police and parole officers arrested three Shoals residents on drug and weapon charges Tuesday morning. Around 10:50 a.m. Trooper Jarrod Lents assisted two parole officers in conducting a parole search at the home of 47-year-old ...

UPDATED: ‘Large, Dangerous’ Tornado Touches Down Near Shoals


UPDATED, 4:25 p.m.: Parts of south central Indiana are under a Tornado Warning after a tornado touched down nine miles northw of Shoals. A severe thunderstorm northeast of Vincennes is capable of producing a tornado and moving east at 60 MPH. Counties ...

The 8 Best Indiana High School Sports Nicknames


The Indiana High School Athletic Association boys’ basketball ...
This geological wonder, pictured below, is also the namesake of the athletic teams at Shoals High School. But the Shoals athletes don’t call themselves the Jug Rocks; they’re the ...

Shoals, Indiana Vacation Rentals


Shoals, Indiana offers great vacation house rental and home rental-by-owner deals for the knowledgeable traveler. No matter what budget or level of comfort you seek in your holiday to Shoals, IN, there's surely a great local vacation home rental available ...

UPDATE: Threat against Rogers School was apparently directed at another school by same name in Washington state


ROGERS, Ala. (WHNT) – Rogers School was closed Friday due to a threat.  However, it turns out the threat was apparently made against another Rogers High School on the other side of the United States. …

Shoals emergency crews working overtime in the snow


FLORENCE, Ala. (WHNT) –  Emerge ncy Management officials declared roads impassable throughout the Shoals area in the early afternoon Wednesday. Still, crews responded to various wrecks through the eve…

Pathfinder Alabama program hopes to recruit more Shoals businesses


MUSCLE SHOALS, Ala. (WHNT) –  We’ve met a few of the 13 students chosen for a job placement program, guiding tomorrow’s workforce. Pathfinder Alabama is a program aimed at taking students of career t…

Sheriff: Shoals man in jail after more than 10 years on the run


COLBERT COUNTY, Ala. (WHNT) – According to Colbert County authorities, the U.S. Marshal’s Service took 49-year-old Jeffrey Lee Scott into custody. Scott has been on the run from authorities for more …

School closings and delays have Shoals superintendents watching the numbers


MUSCLE SHOALS, Ala. (WHNT) – Normally it’s hard to find a student who doesn’t love missing school due to winter weather — that is, unless they have to make up the days missed. With several days lost,…

Florence Police Assist in Quintuple Murder Investigation


The accused killer of five Georgia people may have traveled through the Shoals earlier this month. Officials with the Troup County Sheriff’s office have issued a statement thanking the Florence Police…

Chase Ends in Wreck


A high-speed chase ended in a wreck shortly before 10am today at the intersection of Highways 72 and 43 in Tuscumbia. According to law enforcement officials the driver of the car was parked on the sid…

Recent animal cruelty case in Shoals moves forward in court process


LAUDERDALE COUNTY, Ala. (WHNT) – A recent animal cruelty case in Lauderdale County will soon head to the grand jury. An attorney for 38-year-old Laura Fitterman Sherwood waived a preliminary hearing …

Solar Plant to be Built in Shoals


The Tennessee Valley Authority announces plans to construct a new 80 million watt solar power facility near the Colbert Fossil Plant. The TVA Board has voted to allow CEO Bill Johnson to execute an ag…

High tech manufacturer begins operations in Shoals


FLORENCE, Ala. (WHNT) – In December, a joint effort by industrial recruiters to bring in high-tech jobs into northwest Alabama paid off with the announcement of Elite Medical moving to Florence. And …




SPECIAL INFORMATION FOR SHOALS

Buying prescription drugs via the Internet: A consumer guide to SHOALS INDIANA

The Internet has changed the way we live, work and even as bought. The advance of the Internet has made it possible to compare prices and buy products without having to leave the house. But when used for medicine is important to be very careful. Some websites sell drugs that are not legitimate, putting their health at risk.

For example, some websites that sell medicines:

  • They are not licensed pharmacies with state of the United States or are not really pharmacies.

  • They can give an incorrect diagnosis or sell you a drug that is not appropriate for your medical condition.

  • Do not protect your personal data (eg social security number and credit cards).

Some of the drugs that are sold on the Internet:

  • They are fake (counterfeit or adulterated).

  • They are very strong medicine dose or very low concentration.

  • They contain ingredients that can be harmful to your health.

  • They are expired or expired medicines.

  • They have not been approved by the Food and Drug Administration (FDA for its acronym in English), or have not been studied for their safety and efficacy.

  • They have been prepared using safe standards.

  • They are not safe for use with other medicines or products you use.

  • No right or have not been properly stored or shipped labels.

TALK TO YOUR DOCTOR BEFORE TAKING ANY MEDICINE FOR THE FIRST TIME

  • Talk to your doctor and get a physical before taking any medicine for the first time.

  • Use only medications that have been prescribed by your doctor or other health professional you trust, who is licensed in the United States to give prescriptions or prescriptions.

  • Ask your doctor if you have to do something specific for your prescription.

The following information will help protect (a) if you purchase medicines via the Internet:

KNOW WHERE YOUR MEDICINES COME TO MAKE SURE THEY ARE SAFE

Make sure that the website where you buy your drugs is state-licensed pharmacy in the United States and you are located in the United States. Pharmacies and pharmacists in the United States must be licensed by a state pharmacy board. The pharmacy board of the state where you reside, you can tell if the website you use is a state-licensed pharmacy if you have good reputation, and if you are located in the United States. For a list of state pharmaceutical boards in English at the National Association of Boards of Pharmacy (NABP) whose website is:www.nabp.net . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645), the Li line Telefónica Health National Hispanic Family.

The NABP is a professional association of pharmaceutical state boards. This association has a program that will help you find some of the pharmacies that are licensed to sell through the Internet. The websites where the hallmark of this program appears, have been checked to ensure they comply with federal and state regulations. For more information in English about this program and for a list of pharmacies where VIPPS® (Verified Internet Pharmacy Practice Sites ™) seal appears, visit the website: www.vipps.info . For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.

. Find the websites whose practices are designed to protect you a secure website should:

  • Be located in the United States and be licensed by the state pharmacy board which operates the website (visit the website www.nabp.net for a list of state pharmaceutical boards in English). For information in Spanish call toll free 1-866-SU-FAMILIA (1-866-783-2645) National Helpline Hispanic Family Health.

  • Have a licensed pharmacist who can answer your questions.

  • Require a prescription from your doctor or other health professional who is licensed in the United States to give prescriptions or prescriptions.

  • Having a medium through which you can talk to a person if you have any problem.

MAKE SURE YOUR PRIVACY IS PROTECTED

Note that the privacy and security of the site you will find easy to use and understand.

Do not give any personal information (such as your Social Security number, the number of your credit card or your medical history) unless you are sure the website will keep the protected information and not made public.

Ensure that the website will not sell your personal information unless you authorize it.

PROTECT YOURSELF AND OTHERS

Report the web sites you do not feel safe (a), or those for which you have complaints. Visit the website www.fda.gov/buyonline and click under "Notify the FDA sites web troubled "to fill the form in Spanish.

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Avoiding Foreclosure in SHOALS INDIANA

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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Save Money on Homeownership in SHOALS INDIANA

Watch on YouTube

President Obama and Secretary of Housing and Urban Development Julián Castro visited Phoenix, Arizona this afternoon to put a spotlight on the recovering housing sector.

Restoring security to homeownership has always been one of the President's top economic priorities, and the results are clear -- the housing market has greatly improved since President Obama took office.

The President’s push for new consumer protections and tough enforcement on abuses have given Americans more confidence in investing in homeownership:

  • Home sales are up.
  • Home building has more than doubled since 2009.
  • Home values have risen for the past three years.

But there's more work to do. Mortgages need to be more accessible and affordable for creditworthy families.

That's why today, at Central High School in Phoenix, the President announced a responsible reduction in the Federal Housing Administration’s (FHA) Mortgage Insurance Premium program. The Federal Housing Administration will reduce annual mortgage insurance premiums by 0.5 percentage points, from 1.35 percent to 0.85 percent.

The President’s new proposal to reduce the fees associated with buying a home would help first-time homebuyers save an average of $900 on their annual mortgage payment. More people buying homes would also strengthen the market, helping everyone who already owns a home.

In Phoenix today, President Obama explained that homeownership was a dream that should be open to all Americans. Not only will the President’s actions help numerous families realize the American Dream and get a place they can finally call home, but millions of families will save billions of dollars in mortgage payments in the coming years, helping to support and stabilize the housing market recovery.

President Obama delivers remarks on housing at Central High School in Phoenix

President Barack Obama delivers remarks on housing at Central High School in Phoenix, Az., Jan. 8, 2015. [31]










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