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Revive Indiana seeks to unite Christians


As another part of the outreach, training on how to share the love of Jesus will take place February through May, including a Revive Indiana barn raising in April. Tony Hicks of Wolcottville, one of the Revive trainers, said of the barn raising ...

July 4 Independence Day Fireworks, Parades and Events Around Wolcottville


Find July 4th Fireworks in Wolcottville, IN including Events, Schedules and Parades. Search for Wolcottville Indiana July 4th fireworks, events, parades, restaurants, things to do and more! And if you love those “bombs bursting in air” on the Fourth of ...

ATV crash injures Wolcottville man


WOLCOTTVILLE — Indiana Conservation Officers are investigating an off-road vehicle accident that injured a rider Friday just before 10 p.m. in northern Noble County. Jeffrey C. Gallup, 39, of Wolcottville was airlifted by Samaritan helicopter to Parkview ...

Indiana boy found 19 years after he went missing; Birth mother lived in a car when grandparents abducted him


Indiana State Police announced that Landers had been found on Thursday. Landers had lived with his ...
the grandparents took him from their home in Wolcottville, about 50 miles southeast of South Bend, and fled. "I'm not sure that they (the grandparents ...

UPDATE: Family of abducted LaGrange County boy always felt he was safe


five-year-old Richard Wayne Landers Jr. in 1994. Landers Jr. and his grandparents were found living in the town of Long Prairie, Minnesota this week. “They were just good solid people,” said Jack Landers, who lives in rural Wolcottville, Indiana.

Indiana boy abducted in '94 found in Minnesota


Richard Wayne Landers Jr. was just five years old when he and his paternal grandparents, who were upset over custody arrangements, disappeared from Wolcottville, a town about 30 miles north of Fort Wayne. Indiana State Police said the now 24-year-old Mr ...

Abducted Indiana boy found nearly 20 years later in Minnesota


According to Indiana State Police, Landers was abducted in the summer of 1994 by his paternal grandparents during a custody dispute in Wolcottville, Indiana. Police say the grandparents have verified the identity of the man as one-and-the-same as the ...

Indiana boy abducted in 1994 found in Minnesota under different name


WOLCOTTVILLE, Ind. – In 2006, an 18-year-old Minnesota man legally changed his name to Michael Jeff Landers. Six years later, authorities determined Landers was really the Indiana child who had been abducted by his paternal grandparents in 1994.

Kidnapped Indiana boy found 19 years later in Minnesota


Richard Landers Jr. is 24-years-old now, and living in Minnesota. Police in Wolcottville, Indiana, say Landers’ grandparents kidnapped him in 1994 as his parents were involved in a custody dispute. Police say the grandparents lived under assumed names in ...

Wolcottville, Indiana Vacation Rentals


Wolcottville, 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 Wolcottville, IN, there's surely a great local vacation home ...




SPECIAL INFORMATION FOR WOLCOTTVILLE

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]



WOLCOTTVILLE INDIANA tspan:3m WOLCOTTVILLE INDIANA




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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Avoiding Foreclosure in WOLCOTTVILLE

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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