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Purdue’s Bays named second team All-Big Ten


WEST LAFAYETTE, Ind. (Purdue Sports)-Purdue women’s basketball ...
She scored a new career-high twice this season, turning in 27 points against Indiana and at Ohio State, and grabbed a career-high 19 rebounds against the Buckeyes at home this season.

Purdue police retiring department's first-ever K-9


WEST LAFAYETTE, Ind. - Having participated in nearly 600 deployments ...
Born in Holland, the Dutch shepherd trained with Standifer at the Vohne Liche Kennels in Denver, Indiana. The dog was trained in narcotics detection, and tracking and apprehending ...

Endocyte reports 4Q loss


(AP) _ Endocyte Inc. (ECYT) on Monday reported a loss of $8.1 million in its fourth quarter. The West Lafayette, Indiana-based company said it had a loss of 19 cents per share. The results surpassed Wall Street expectations. The average estimate of ...

Salin Bank & Trust Company Adds to Its Agricultural Lending Team


Salin Bank & Trust Company operates 21 banking center locations in 10 Indiana counties serving Columbus, Delphi, Edinburgh, Flora, Fort Wayne, Galveston, Gas City, Kokomo, Lafayette, Logansport, Marion, West Lafayette, Fishers and Indianapolis.

Goshen woman launches spring scarf collection


WEST LAFAYETTE, Ind. — A Purdue student entrepreneur who was Miss Purdue University 2014 and now serves as Miss Indiana Heartland 2015 has launched her spring collection of scarves that will be sold online by her startup, Get Involved - Be the Change Inc ...

Thomas William Bettis


He was born on March 17, 1933, in Chicago, Illinoi,s to William and Gertrude Bettis. On June 4, 1955, he married Valerie Jeanne deLanuex in West Lafayette, Indiana. Tom and Valerie were happily married for 48 years until Valerie's death in 2003.

Batman, Beatles and bikes keep West Lafayette mayor happy


For many West Lafayette residents, Dennis is simply the man in the mayor's chair. But he's also a man with interests one wouldn't necessarily expect of a police chief-turned-Republican mayor in Indiana. Although people associate him with Batman ...

Indiana Superintendent of the Year: Parents should homeschool kids during testing week


Superintendent Rocky Killion of West Lafayette Community School District in Indiana, who was named 2015 Superintendent of the Year by the Indiana Association of Public School Superintendents, has some advice for parents: Keep your kids home when schools ...

Five takeaways from Indiana’s loss to Purdue


The result was just a 5-of-16 shooting performance from 3 and when combined with the first game in West Lafayette, Indiana managed to hit just 9-of-35 shots from behind the arc in two games against the Boilermakers. Purdue’s defense, which came into the ...

Indiana and Purdue play in pivotal Big Ten matchup


A little more than three weeks removed from a 83-67 drubbing in West Lafayette, the Indiana Hoosiers (18-8, 8-5) and Purdue Boilermakers (17-9, 9-4) reconvene in Bloomington for a pivotal Big Ten matchup tonight at 7 on ESPN. The Boilermakers scored 46 ...

West Lafayette parks adjust to upcoming construction


WEST LAFAYETTE, Ind. (WLFI) — Two West Lafayette construction projects may get in the way of those using the city’s parks. The West Lafayette Parks Department said when the Happy Hollow Road project …

The YaYas at The Beachhouse in West Lafayette, Indiana (1986) - Eden by Gegensauce | March 01, 2015 at 06:08PM


Video Title: The YaYas at The Beachhouse in West Lafayette, Indiana (1986) - Eden This video has upload by Gegensauce Date: March 01, 2015 at 06:08PM Original Source (Youtube video ID rN8AMsaambs) …

West Lafayette Wins Big on Senior Night


West Lafayette Honors Five Outstanding Senior Players Last night I made my final trip to the West Lafayette Gym for the season. I have covered many games there this year, and as much as I want spring …

Shop At Tri-N-Run West Lafayette for Excellent Men Running Shoes


Running enthusiast can buy finest men running shoes from Tri-N-Run the best shoe store in West Lafayette offering running shoes that improve the performance of the runners.

Visit Lafayette-West Lafayette redesigns their website


LAFAYETTE, Ind. (WLFI) – Visit Lafayette-West Lafayette has redesigned their website to make it easier to keep you in the know. The updated website took nearly a year to build. A new subscriptions ta…

West Lafayette Basketball at Central Catholic


Gearing Up For One Shot Just before I left for the basketball game last night I saw a tweet from the West Lafayette student section saying that they would be out in force and wearing neon. I grabbed m…

West Seattle Thursday: See what’s up today/tonight


(Downtown, from West Seattle Elementary; photo by Joe Wolf, shared via WSB Flickr group) Good morning! Some of what’s up today/tonight, from the WSB West Seattle Event Calendar (where you can browse …

West Lafayette Loses a Heartbreaker to Lafayette Jeff


The Bronchos Beat the Red Devils 64-62 Last night the West Lafayette Red Devils tested my heart yet again with another close game. They seemed to be following the same blueprint to victory that they d…

Carpenter West Lafayette (IN) – West Lafayette Carpenters


Carpenter West Lafayette (IN) Lending helping hands when you need masterpieces built in West Lafayette (IN). Papa’s Carpenter Specialists in West Lafayette, Indiana work with, builds and fixes items…

Equipment failure in power line causes power outage in West Lafayette


WEST LAFAYETTE, Ind. (WLFI) – Hundreds of West Lafayette residents were without power Friday after a power line was knocked out. The power outage started just before 11 a.m. Friday near the intersect…




SPECIAL INFORMATION FOR WEST LAFAYETTE

Domestic violence in WEST LAFAYETTE INDIANA

Does your partner ever….

> Embarrass you with put-downs?

> Control what you do, who you see or talk to or where you go?

> Look at you or act in ways that scare you?

> Push you, slap you, choke you or hit you?

> Stop you from seeing your friends or family members?

> Control the money in the relationship? Take your money or Social Security check, make you ask for money or refuse to give you money?

> Make all of the decisions?

> Tell you that you’re a bad parent or threaten to take away your children?

> Prevent you from working or attending school?

> Act like the abuse is no big deal, deny the abuse or tell you it’s your own fault?

> Destroy your property or threaten to kill your pets?

> Intimidate you with guns, knives or other weapons?

> Attempt to force you to drop criminal charges?

> Threaten to commit suicide, or threaten to kill you?

If you answered ‘yes’ to even one of these questions, you may be in an unhealthy or abusive relationship. Don’t hesitate to chat or call to 1-800-799-SAFE if anything you read raises a red flag about your own relationship or that of someone you know.

For over 17 years, the National Domestic Violence Hotline has been the vital link to safety for women, men, children and families affected by domestic violence. With the help of our dedicated advocates and staff, we respond to calls 24/7, 365 days a year.

We provide confidential, one-on-one support to each caller and chatter, offering crisis intervention, options for next steps and direct connection to sources for immediate safety. Our database holds over 5,000 agencies and resources in communities all across the country. Bilingual advocates are on hand to speak with callers, and our Language Line offers translations in 170+ different languages.

The Hotline is an excellent source of help for concerned friends, family, co-workers and others seeking information and guidance on how to help someone they know. We work to educate communities all over through events, campaigns, and dynamic partnerships with companies ranging from The Avon Foundation to Verizon. Today, The Hotline is continuing to grow and explore new avenues of service.

http://www.thehotline.org/

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WEST LAFAYETTE INDIANA tspan:3m WEST LAFAYETTE INDIANA




Earned Income Tax Credit Awareness Day in WEST LAFAYETTE INDIANA

The U.S. Treasury Department’s State Small Business Credit Initiative (SSBCI) today released a new Quarterly Report detailing how the program continues to help small businesses grow and create jobs. Since the beginning of the program, the Treasury Department has disbursed more than $1.1 billion to participating states.

The Internal Revenue Service is partnering with community-based organizations across the country to promote Earned Income Tax Credit Awareness Day, an effort to alert millions of low and moderate-income workers who may be missing out on a significant tax credit that can be as much as $6,000.

Millions of workers who earned $52,427 or less last year may qualify for EITC for the first time in 2015, making awareness of the credit critical. About a third of the people eligible for EITC fluctuate each year based on changes to their marital, parental and financial status. All across the United States, local officials and community organizations are holding events highlighting this key benefit.

“About four out of five eligible workers and families get the credit they earned. That leaves millions missing EITC every year,” said IRS Commissioner John Koskinen. “It’s an important credit and one of the government’s best tools to fight poverty.”

Last year, almost 28 million eligible workers and families received $66 billion total in EITC, with an average EITC amount of $2,400.

The IRS website is a valuable first stop to help taxpayers get it right this filing season, from information on claiming the EITC, to learning about the Affordable Care Act (known as the health care law), to finding free tax help. The IRS encourages everyone to use the EITC Assistant on IRS.gov/eitc, an interactive tool to find out if they are eligible for the credit. The IRS website also provides helpful information on the health care law and how it may affect tax returns at IRS.gov/aca. There is also an interactive tool that helps individuals determine if they are eligible for the premium tax credit. And qualified taxpayers may also find a free tax return preparation site on IRS.gov/vita.

The amount of EITC varies depending on income, family size and filing status. Those who work for someone else or those who run a business or farm and who earned $52,427 or less during 2014 could receive larger refunds if they qualify for the EITC. This could mean up to $496 in EITC for people without children, and a maximum credit of up to $6,143 for those with three or more qualifying children.

The EITC is refundable. This means those eligible may get a refund from the IRS even if they owe no tax or had no taxes withheld from their paycheck.

Workers potentially eligible to claim the credit should visit IRS.gov/eitc to learn if they qualify, how to claim the credit and more. The EITC Assistant will also determine their filing status, if they have a qualifying child or children and estimate the amount of the EITC they could get. If an individual doesn’t qualify for EITC, the Assistant explains why and a summary of the results can be printed.

Get the Credit — How to Claim the EITC

To get the EITC, workers must file a tax return, even if they are not legally required to file, and specifically claim the credit. Free tax help is available to those eligible for the EITC:

The Internal Revenue Service is partnering with community-based organizations across the country to promote Earned Income Tax Credit Awareness Day, an effort to alert millions of low and moderate-income workers who may be missing out on a significant tax credit that can be as much as $6,000.

Millions of workers who earned $52,427 or less last year may qualify for EITC for the first time in 2015, making awareness of the credit critical. About a third of the people eligible for EITC fluctuate each year based on changes to their marital, parental and financial status. All across the United States, local officials and community organizations are holding events highlighting this key benefit.

“About four out of five eligible workers and families get the credit they earned. That leaves millions missing EITC every year,” said IRS Commissioner John Koskinen. “It’s an important credit and one of the government’s best tools to fight poverty.”

Last year, almost 28 million eligible workers and families received $66 billion total in EITC, with an average EITC amount of $2,400.

The IRS website is a valuable first stop to help taxpayers get it right this filing season, from information on claiming the EITC, to learning about the Affordable Care Act (known as the health care law), to finding free tax help. The IRS encourages everyone to use the EITC Assistant on IRS.gov/eitc, an interactive tool to find out if they are eligible for the credit. The IRS website also provides helpful information on the health care law and how it may affect tax returns at IRS.gov/aca. There is also an interactive tool that helps individuals determine if they are eligible for the premium tax credit. And qualified taxpayers may also find a free tax return preparation site on IRS.gov/vita.

The amount of EITC varies depending on income, family size and filing status. Those who work for someone else or those who run a business or farm and who earned $52,427 or less during 2014 could receive larger refunds if they qualify for the EITC. This could mean up to $496 in EITC for people without children, and a maximum credit of up to $6,143 for those with three or more qualifying children.

The EITC is refundable. This means those eligible may get a refund from the IRS even if they owe no tax or had no taxes withheld from their paycheck.

Workers potentially eligible to claim the credit should visit IRS.gov/eitc to learn if they qualify, how to claim the credit and more. The EITC Assistant will also determine their filing status, if they have a qualifying child or children and estimate the amount of the EITC they could get. If an individual doesn’t qualify for EITC, the Assistant explains why and a summary of the results can be printed.

Get the Credit — How to Claim the EITC

To get the EITC, workers must file a tax return, even if they are not legally required to file, and specifically claim the credit. Free tax help is available to those eligible for the EITC:

  • Free File on IRS.gov. Free brand-name tax software walks people through a question and answer format to help them prepare their returns and claim every credit and deduction for which they are eligible. Free File also provides online versions of IRS paper forms, an option called Free File Fillable Forms which is best suited for taxpayers comfortable preparing their own returns.

  • Free tax preparation sites. EITC-eligible workers can seek free tax preparation at thousands of Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) sites. Taxpayers can locate the nearest site using a search tool on IRS.gov or through the IRS2go smartphone application.

    It is important for taxpayers to bring along all the required documents and information to make sure they get the EITC they deserve. Also, those who bought coverage through the Health Insurance Marketplace should receive Form 1095-A, Health Insurance Marketplace Statement, from their Marketplace in early February. It’s important to also bring the Form 1095-A to the volunteer site. Any taxpayer who does not receive it by early February should contact their Marketplace, not the IRS. The IRS will not have access to the information on the form.

Like last year, the IRS expects to issue more than nine out of 10 refunds within 21 days. The IRS reminds taxpayers that the fastest way to get a refund is to e-file their tax return and choose direct deposit. It takes longer to process paper returns. Because of budget cuts resulting in a smaller staff, it will likely take an additional week or more to process paper returns, meaning that those refunds are expected to be issued in seven weeks or more. Taxpayers can track the status of their refund with the “Where’s My Refund?” tool available on IRS.gov or on IRS2go.

Similar Benefits Available Through the Health Care Law

The Affordable Care Act requires that a taxpayer and each member of his or her family have qualifying health insurance coverage for each month of the year, qualify for an exemption from the coverage requirement, or make an individual shared responsibility payment when filing a federal income tax return.

Premium Tax Credits: If taxpayers bought coverage through the Health Insurance Marketplace, they should receive Form 1095-A, Health Insurance Marketplace Statement from their Marketplace by early February. They should save this form because it has important information needed to complete their tax returns. 

If a taxpayer is expecting to receive Form 1095-A and has not received it by early February, they should contact the Marketplace where the coverage was purchased. Due to the fact that the IRS does not have this information, it is recommended that taxpayers contact the appropriate marketplace.

Anyone who benefited from advance payments of the premium tax credit must file a federal income tax return. The taxpayer will need to reconcile those advance payments with the amount of premium tax credit they’re entitled to based on actual income. As a result, some people may see a smaller or larger tax refund or tax liability than they were expecting. When filing their return, taxpayers will use IRS Form 8962, Premium Tax Credit (PTC), to calculate the premium tax credit and reconcile the credit with any advance payments.

Reporting requirements: Most taxpayers will simply check a box on their tax return to indicate that each member of their family had qualifying health coverage for the whole year. No further action is required. Qualifying health insurance coverage includes coverage under most, but not all, types of health care coverage plans. Taxpayers can use the chart on IRS.gov/aca to find out if their insurance counts as qualifying coverage.  

Exemptions: A taxpayer may be eligible to claim an exemption from the requirement to have coverage. If eligible for an exemption, the taxpayer will need to complete the new IRS Form 8965, Health Coverage Exemptions and attach it to their return. The individual must apply for some exemptions through the Health Insurance Marketplace.  However, most of the exemptions are easily obtained from the IRS when filing a tax return.  

Individual Shared Responsibility Payment: If an individual does not have qualifying coverage or an exemption for each month of the year, they will need to make an individual shared responsibility payment when filing their return for choosing not to purchase coverage. Examples and information about figuring the payment are available on the IRS Calculating the Payment page. More information about the Affordable Care Act and the 2014 income tax return is available at IRS.gov/aca.

Get It Right

Taxpayers are responsible for the accuracy of their tax return even if someone else preparers it for them. The rules for EITC are complicated. The IRS urges taxpayers to seek help if they are unsure of their eligibility, whether from a paid tax professional or at a free tax return preparation site. Deliberate errors can have lasting impact on future eligibility to claim EITC and leave taxpayers with a penalty.

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Avoiding Foreclosure in WEST LAFAYETTE 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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