TOQUERVILLE UTAH NEWS AND BLOG


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Robert Walter Anderson


Robert Walter Anderson was born August 22, 1925 in Toquerville, Utah to Walter Herbert and Lola Pearl Button Anderson. He passed away January 16, 2015. Robert attended South High School, the University of Utah. He was in the armed service during WWII and ...

Families begin construction on self-help homes in Toquerville; STGnews Videocast


TOQUERVILLE – Four families enrolled in a self-help home-building program broke ground in Toquerville for their homes Thursday, marking the beginning of a new chapter in their journey to own a home. Watch videocast at the top of the story, click the ...

I-15 accident near Toquerville sends man to hospital


The man swerved to avoid hitting a slower car on southbound Interstate 15 just south of Toquerville, over-corrected his vehicle, went off the shoulder and rolled at least once before landing in a ditch, Utah Highway ...
2014/11/15/accident-near- toquerville ...

Hike of the Week: Toquerville Falls trail


The trail to Toquerville Falls is a long hike to a series of waterfalls in the ...
The temperature and sun exposure in southern Utah has caused many injuries and even death. Hikers can prevent sun-related injuries by bringing plenty of water and wearing ...

Teenager booked in Toquerville homicide


TOQUERVILLE, Utah (ABC 4 Utah) -- Authorities in Washington County have ...
Sheriff's Office said it had submitted a charge of criminal homicide against Joshua David Canfield to the 5th District Court. Additional unspecified charges were also under review ...

SOUTHERN UTAH MEMORIES: History of Toquerville


(WASHINGTON COUNTY, Utah) - One of the earliest settlements of Washington County was Toquerville, which was settled in 1858 by Joshua T. Willis, Wesley Willis and Josiah Reeves, according to The History of Toquerville by Rhea Higbee Wakeling. Wakeling ...

Wildfire near Toquerville contained


TOQUERVILLE, Utah — An early-season wildfire in Toquerville, Utah, has been 100 percent contained Thursday evening, according to fire officials. Officials say the wildfire started on Monday morning just northeast of Toquerville off of U.S. 17 by some ...

History of Toquerville, Utah


This archived news story is available only for your personal, non-commercial use. Information in the story may be outdated or superseded by additional information. Reading or replaying the story in its archived form does not constitute a republication of ...

Obituary: Kenneth Thurston Slack


Kenneth Thurston Slack, the first librarian of the Church College of Hawaii, died October 31, 2007 in Lakeside Arizona at the age of 87. He was born March 4, 1920 in Toquerville, Utah, the oldest of eight children of Edwin Kenneth and Louise Thurston Slack.

Toquerville, Utah Vacation Rentals


Toquerville, Utah 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 Toquerville, UT, there's surely a great local vacation home rental ...




SPECIAL INFORMATION FOR TOQUERVILLE

The city and the 7 steps to positive thinking

Most of us keep a constant mental conversation .  We talk with ourselves every day, and unfortunately, many times these "internal" discussions are negative,  often marked by guilt about the past or worry about the future.  Such negativity can destroy any sign of hope that we have about the realization of our dreams.

Our actions are based on our thoughts.  If we change the way we think, we can begin to change the actions we take.  Humans are always in pursuit of personal growth  financial, emotional, physical or spiritual. Practicing positive internal conversations can help us going to take actions that lead to great results.

Then I leave seven steps to achieving a positive self-talk.  Following these steps you will be able to start eliminating your negative conversations and replace them with thoughts that will motivate you to improve.

1   Eliminate negative self-talk

The first step is realizing.  Would difficult to make a change without know intimately the thoughts that are in our head. 

No doubt that if you have a long history of negative internal conversations, will be a challenge.  Their conversation becomes negative over the years for various reasons.  For example, if a child constantly told you that you were "dumb", you could incorporate as a truth. Then  you will discover your inner self there is a little voice that often repeats phrases like "I´m too slow", or "it costs me learn something."  If you constantly pass on negative stories, your actions will reflect their low self-esteem.  Going to be difficult for you to get somewhere if you´re always pulling back.

Ordinary conversation includes the negative "can not."  When you say to yourself  "I can´t" or "it´s very difficult," you are creating resistance.  A mental block  are prevented you from doing things that  could succeed.

Whenever you find yourself saying "I can´t ...", stop the game and challenge yourself with a "why?".  Studies show that most geniuses become outstanding people after years of commitment and more commitment.  So if you want to be successful need to start saying "I can" more often.

A good method I have found useful is to say "stopping, stopping" whenever I notice myself saying something negative about myself, both mentally and verbally.  This method works if you have a sincere interest in positive thinking.

2    Positive Affirmations

Affirmations are positive expressions of a desired outcome or goal.  Expressions are generally short, believable and focused.  By repeating them over time, we opened new paths in our subconscious, creating the possibility of a new order of thoughts.

An important step in repeating affirmations is to read them aloud and with feeling.  But read does not help unless you really feel what you say.

Surely you have any questions about this technique at the beginning.  Nevertheless, if you follow these simple instructions to his disbelief will soon be replaced by faith in yourself.

3      Create positive screenplays

One thing you can see is that it´s easy for your mind to generate negative thoughts, based on other negative thoughts.  This cycle never ends, but increases, creating a strong limitation.

From now on, let´s do this exercise.  Invent a positive, uplifting story that flows like a movie script.  Visualize the situation. Build  the story with a positive ending;  how bigger the storyline  better.  Better yet if you can develop a story that tells how all your goals are reached.  When you do begin to internalize your goals and dreams as if they were something you already did.

4      Replace negative influences with positive

It is important to identify external negative factors in your life that are limiting your thoughts.  For example, your mood can poison with friends and people who are negative.  If you are not careful enough, you will begin to adopt their  negative thoughts.  So be alert to negative influences.  Whether they come from friends, limit your exposure to these thoughts as much as you can. Additionally, avoid discussing your plans with people who did not  encourage and help you in your dreams and goals.

Instead, look to surround yourself with the thoughts and actions of people that motivate you. Before long you will see the transformation of a pessimistic ball in a good and pleasant aura .  This positive energy that surrounds you will begin to improve their internal conversations too.

5    Posts in present time

What can help you is to focus about the steps you can take now.  If you find yourself locked, think: "what can I do now?."  Change your self-talk, letting anxiety about the future and start to act in this time.  You can not control what happens in the future, but if you take the necessary steps now, it allows you to have a better tomorrow. Focus   your thoughts on today and now.

6    Controlling fears

Fear is often what prevents you from achieving the goals.  Are you afraid to take risks for fear of losing the security that enjoys now.  You try to convince yourself that you are happy in their current state when, in reality, is not .  Your inner self may seem positive in trying to lie to himself.  Yet somehow, you know you´re cheating.

Ask yourself what are your fears. What ´s the worst that can happen? Follow  a step-by-step approach - to discuss their fears and see if there is any way to see things more positively.  When you confront your fears, often going to realize that the worst case scenario is not as bad as thought.  On indeed, the benefits of change tend to justify the risk.

7    Enjoy the good times

It´s much easier to have a positive attitude if you focus on the good moments of your life instead of the bad.  Although it is inevitable to have  problems and challenges, remember that life consists of ups and downs, and that the good times are forged through the bad times.

So choose to fill your mind with positive thoughts and images.  Make it a conscious habit.  To start, if you can be grateful for what you have now, your internal conversation will begin to change and align yourself with that sense of joy.  A state of gratitude helps a lot to your mind.

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TOQUERVILLE UTAH tspan:3m TOQUERVILLE UTAH




Avoiding Foreclosure in TOQUERVILLE

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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Buying prescription drugs via the Internet: A consumer guide to TOQUERVILLE

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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