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Piketon edges Southeastern, wins sectional title


WAVERLY – With all things considered ...
5:30 p.m., March 8 at the Convocation Center at Ohio University with a trip to a D-III district final on the line.

iHeartMedia Stations To Carry Ohio Girls Basketball Games Tonight


Three iHEARTMEDIA radio stations in the CHILLICOTHE, OH, area, will pool their resources to broadcast ...
WKKJ will feature WESTFALL vs WHEELERSBURG from the DIVISION 3 DISTRICT semi at WAVERLY'S DOWNTOWN GYM. News/Talk WBEX (NEWS RADIO 1490 and 92.7FM ...

No. 5 Waverly Shellrock top No. 13 Marion in regional final


Waverly-Shell Rock post player Victoria Asplund led all scorers with 14 points. Grawe finished with nine points, at times head-to-head against her cousin, Mia. “At first when I heard we were playing Marion,” Grawe said. “I was like, ‘Oh my God ...

Waverly-Shell Rock tops Marion in regional final


Waverly-Shell Rock post player Victoria Asplund led all scorers with 14 points. Grawe finished with nine points, at times head-to-head against her cousin, Mia. “At first when I heard we were playing Marion,” Grawe said. “I was like, 'Oh my God ...

Cleveland's Waverly and Watterson-Lake elementary schools to be closed this summer, students moved during construction


Do you like this plan? Tell us below. CLEVELAND, Ohio -- Up for community discussion at a public meeting Wednesday: The Cleveland school board plans to shut Waverly and Watterson-Lake elementary schools at the end of this school year, so it can start ...

AP source: Ohio's Strickland to seek Portman US Senate seat


Tuesday's prep boys basketball action between Lincoln Lutheran and Raymond Central from the C1-3 subdistrict tournament in Waverly. Photos by … Ken Hambleton and Ryly Jane Hambleton highlight this weekend's important boys A and B district basketball ...

Clark County grand jury indictments


North St., Waverly, Ohio. For: Forgery. •John Jones, 22, 1432 Linden Ave. For: Attempted burglary. •Joshua Ragland, 17, 1028 E. John St./Apt A. For: Burglary (two counts), trespass in a habitation when a person is present or likely to be present.

Mickey S. Stahler


He was born December 11, 1943 in Chillicothe, Ohio to the late Charles and Melva Finley Stahler and grew up in Waverly, OH. He married Mary Ellen Cormany in 1964 and they were divorced. On September 28, 1991 Mick married Barbara Painter St. Hilaire and she ...

Temperatures plummet across central Ohio


So far, no Central Ohio districts have made any decisions about school for ...
The Huntingon Local School District in Ross County and the Scioto Valley and Waverly districts in Pike County have canceled school for Monday. The following school districts ...

Topic matches for "waverly"


Norma Jean Lemaster, 74, of Curtis Lane, Waverly passed 3:45 p.m. Sunday, February 15, 2015 at the Adena Regional Medical Center, Chillicothe, Ohio. Georgianna (Peters) Stonerock, 93, of Circleville, passed away Thursday, February 5, 2015 at Genesis Health ...

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What To Do This Weekend In Frankfort?


Don’t miss a minute of what’s going on this Weekend in and around the Frankfort Area! Capital Living Covers Frankfort’s Social Scene…BE SEEN By Capital Living!!!         FIND US.  FOLLOW US.  AND ST…

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Woman Severely Burned in Waverly House Fire


A woman is severely burned in a fire in Waverly.

Sip a Foamy Latte at Klatch Coffee in San Dimas


One Yelp reviewer says, "Klatch holds a special place in my heart," while another says Klatch Coffee offers "one of the best cups of coffee you can find in Southern California." And, indeed, this popu…

Waverly Maye's Big Girl Bed


We are almost two weeks into our big girl bed transition, and still going strong with Waverly sleeping in her bed during both naps & bedtime with zero issues at all! :)  I am still a little shocked ev…

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SPECIAL INFORMATION FOR WAVERLY

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]



WAVERLY OHIO tspan:3m WAVERLY OHIO




Schools and libraries with Wi-Fi in WAVERLY OHIO ?

In June 2013, I joined the President in Mooresville, NC, to launch ConnectED – an initiative to close the technology gap in our schools and bring high-speed Internet to 99 percent of America’s students within five years. This vision – that all students should have access to world-class digital learning – is well on its way to becoming a reality.

Thanks to the leadership of the President and the FCC, the resources are in place to meet the President’s connectivity goal. In addition, various private-sector partners are making over $2 billion worth of resources available to students, teachers, and schools. These include tablets, mobile broadband, software, and online teacher professional development courses from top universities. Fewer than 40 percent of public schools currently have the high-speed Internet needed to support modern digital learning.

But now we have the resources to solve this problem. We just need help from our nation’s superintendents and school technology chiefs.

Last year, the FCC approved the first major update to the E-Rate program since it was created in 1997. E-Rate (also known as the Universal Service Program for Schools and Libraries) makes it more affordable for schools and libraries to connect to high-speed Internet – with the goal of making the gigabit speeds we see in cities like Cedar Falls, Iowa, and Chattanooga, Tennessee the norm in schools across the country.

These updates have unlocked funding to support internal Wi-Fi network upgrades in schools and libraries this year for the first time since 2012. Wi-Fi is important because no matter how fast the Internet connection is to a school, students can’t take full advantage of it without a robust wireless network within the school.

To secure E-rate support for Wi-Fi, schools and libraries must submit a form describing their project needs to the Universal Service Administrative Company (USAC). USAC then posts the request for competitive bidding. The Department of Education has prepared an Infrastructure Guide to help district leaders navigate the many decisions required to deliver cutting-edge connectivity to students. That said, schools and libraries have the final say when they submit an application to USAC for approval.

Bringing our schools up to speed is a major priority, and E-rate provides an opportunity to make doing so much more affordable. For all of the superintendents and technology officers: If you haven’t yet done so, get your requests submitted by February 26, 2015, and your applications in before March 26, 2015 (requests must be up for 28 days before a school can choose a vendor). Your students, your community, and your country will thank you for bringing our classrooms into the 21st century. [20]




Avoiding Foreclosure in WAVERLY OHIO

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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