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FINANCIAL HELP FOR DIABETICS Type 1 diabetics, who can’t live without insulin, watched the price of the most popular form of the drug skyrocket from $20 per vial in 1996 to $275 per vial in 2018, an increase of 1,275%. The amount of insulin diabetics use varies, but most need about two vials ($550) a month. One vial holds about one-third of one ounce of insulin. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIESSEE MORE ONDEBT.ORG
SHORT & LONG TERM RENTAL ASSISTANCE PROGRAMS FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
HOW TO PAY OFF A 30-YEAR MORTGAGE IN 15 YEARS: TIPS & TRICKS Examine the loan closely. The monthly payment on a 30-year, $200,000 mortgage at 2.5% would be $790 a month. The monthly payment on a 15-year, $200,000 mortgage at 2.25 % would be $1,310. That’s another $520 a month to finish paying off your mortgage 15 years sooner. DEBT.ORG - AMERICA'S DEBT HELP ORGANIZATION Once you have an idea of which basic type of adviser best suits your needs, interview at least three prospects. Ask about the services they provide, credentials, relevant $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
FINANCIAL HELP FOR DIABETICS Type 1 diabetics, who can’t live without insulin, watched the price of the most popular form of the drug skyrocket from $20 per vial in 1996 to $275 per vial in 2018, an increase of 1,275%. The amount of insulin diabetics use varies, but most need about two vials ($550) a month. One vial holds about one-third of one ounce of insulin. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIESSEE MORE ONDEBT.ORG
SHORT & LONG TERM RENTAL ASSISTANCE PROGRAMS FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
HOW TO PAY OFF A 30-YEAR MORTGAGE IN 15 YEARS: TIPS & TRICKS Examine the loan closely. The monthly payment on a 30-year, $200,000 mortgage at 2.5% would be $790 a month. The monthly payment on a 15-year, $200,000 mortgage at 2.25 % would be $1,310. That’s another $520 a month to finish paying off your mortgage 15 years sooner. HOW TO AVOID AN EVICTION & WHAT TO DO IF IT IS TOO LATE There have been so many dispiriting numbers resulting from the COVID-19 pandemic that it’s hard to pick which one is the worst, but here is one that belongs somewhere near the top – seven million renters In the U.S. could be evicted when the federal moratorium protecting them expires June 30. HOW TO CUT YOUR UTILITY BILLS THIS WINTER, NO MATTER YOUR As the temperature outside drops, your utility bill is on the rise. We get it. It’s cold outside and you want to keep warm and cozy inside, but before you dial up that thermostat, take the time to read some tips and tricks to save money this winter.. The winter of 2016 was the warmest on record in the United States, with temperatures averaging 37degrees.
COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELP Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and WHAT TO DO WITH GIFT CARDS FROM A STORE THAT IS OUT OF Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
CREDIT COUNSELING FOR BANKRUPTCY: WHAT ARE THE REQUIREMENTS? The agency offering the credit counseling must be approved by the U.S. Trustee Program office. The session must take place within 180 days before filing for bankruptcy. The counseling fee is about $50, and you can ask for the fee to be waived if you can’t afford it, or to pay it in installments. The credit counseling organization will provide HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIES Funeral home’s basic service fee: $2,100. Vault: $1,395. Embalming: $725. Facilities and staff to manage a funeral ceremony: $500. Facilities and staff to manage a viewing: $425. This doesn’t include the costs of transporting remains, preparing the body, providing a plot and decorations such as wreaths or flowers. SHORT & LONG TERM RENTAL ASSISTANCE PROGRAMS Federal and State Government Programs for Long-Term Rental Assistance. There are federal and state programs designed to help low-income individuals and families, the elderly, and those with disabilities secure long-term affordable housing. One program is subsidized, or public, housing that can range from single-family houses to high rise VETERAN & MILITARY FINANCIAL ASSISTANCE & DEBT RELIEF OPTIONS VA Personal Loan Options for Veterans. There are several lenders offering personal loans for veterans and active members of the military, even those with bad credit. Unsecured loans up to $40,000 are available and interest rates range from as low as DOWNSIZING YOUR HOME TO REDUCE DEBT Here is what it will take: Run the numbers. Determine how much, if anything, you can save by downsizing your home. Use the Bankrate.com mortgage calculator to run a few scenarios. Hire a trusted real estate agent. Tell your agent what you can afford to spend for your new home and ask for a thorough explanation of your buying options. FINANCIAL HELP FOR SINGLE PARENTS: BENEFITS, GRANTS & PROGRAMS The American Rescue Plan was the third omnibus relief package from Washington D.C., and it provides a third stimulus check of up to $1,400 per child. As for taxes, families can also claim up to $3,600 per child under age 6 and $3,000 for children up to age 17 for one year. The previous tax credit was $2,000 per child. DEBT.ORG - AMERICA'S DEBT HELP ORGANIZATION Once you have an idea of which basic type of adviser best suits your needs, interview at least three prospects. Ask about the services they provide, credentials, relevant $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
FINANCIAL HELP FOR DIABETICS Type 1 diabetics, who can’t live without insulin, watched the price of the most popular form of the drug skyrocket from $20 per vial in 1996 to $275 per vial in 2018, an increase of 1,275%. The amount of insulin diabetics use varies, but most need about two vials ($550) a month. One vial holds about one-third of one ounce of insulin. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIESSEE MORE ONDEBT.ORG
SHORT & LONG TERM RENTAL ASSISTANCE PROGRAMS FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
HOW TO PAY OFF A 30-YEAR MORTGAGE IN 15 YEARS: TIPS & TRICKS Examine the loan closely. The monthly payment on a 30-year, $200,000 mortgage at 2.5% would be $790 a month. The monthly payment on a 15-year, $200,000 mortgage at 2.25 % would be $1,310. That’s another $520 a month to finish paying off your mortgage 15 years sooner. DEBT.ORG - AMERICA'S DEBT HELP ORGANIZATION Once you have an idea of which basic type of adviser best suits your needs, interview at least three prospects. Ask about the services they provide, credentials, relevant $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
FINANCIAL HELP FOR DIABETICS Type 1 diabetics, who can’t live without insulin, watched the price of the most popular form of the drug skyrocket from $20 per vial in 1996 to $275 per vial in 2018, an increase of 1,275%. The amount of insulin diabetics use varies, but most need about two vials ($550) a month. One vial holds about one-third of one ounce of insulin. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIESSEE MORE ONDEBT.ORG
SHORT & LONG TERM RENTAL ASSISTANCE PROGRAMS FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
HOW TO PAY OFF A 30-YEAR MORTGAGE IN 15 YEARS: TIPS & TRICKS Examine the loan closely. The monthly payment on a 30-year, $200,000 mortgage at 2.5% would be $790 a month. The monthly payment on a 15-year, $200,000 mortgage at 2.25 % would be $1,310. That’s another $520 a month to finish paying off your mortgage 15 years sooner. HOW TO AVOID AN EVICTION & WHAT TO DO IF IT IS TOO LATE There have been so many dispiriting numbers resulting from the COVID-19 pandemic that it’s hard to pick which one is the worst, but here is one that belongs somewhere near the top – seven million renters In the U.S. could be evicted when the federal moratorium protecting them expires June 30. HOW TO CUT YOUR UTILITY BILLS THIS WINTER, NO MATTER YOUR As the temperature outside drops, your utility bill is on the rise. We get it. It’s cold outside and you want to keep warm and cozy inside, but before you dial up that thermostat, take the time to read some tips and tricks to save money this winter.. The winter of 2016 was the warmest on record in the United States, with temperatures averaging 37degrees.
COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELP Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and WHAT TO DO WITH GIFT CARDS FROM A STORE THAT IS OUT OF Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
CREDIT COUNSELING FOR BANKRUPTCY: WHAT ARE THE REQUIREMENTS? The agency offering the credit counseling must be approved by the U.S. Trustee Program office. The session must take place within 180 days before filing for bankruptcy. The counseling fee is about $50, and you can ask for the fee to be waived if you can’t afford it, or to pay it in installments. The credit counseling organization will provide HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIES Funeral home’s basic service fee: $2,100. Vault: $1,395. Embalming: $725. Facilities and staff to manage a funeral ceremony: $500. Facilities and staff to manage a viewing: $425. This doesn’t include the costs of transporting remains, preparing the body, providing a plot and decorations such as wreaths or flowers. SHORT & LONG TERM RENTAL ASSISTANCE PROGRAMS Federal and State Government Programs for Long-Term Rental Assistance. There are federal and state programs designed to help low-income individuals and families, the elderly, and those with disabilities secure long-term affordable housing. One program is subsidized, or public, housing that can range from single-family houses to high rise VETERAN & MILITARY FINANCIAL ASSISTANCE & DEBT RELIEF OPTIONS VA Personal Loan Options for Veterans. There are several lenders offering personal loans for veterans and active members of the military, even those with bad credit. Unsecured loans up to $40,000 are available and interest rates range from as low as FINANCIAL HELP FOR SINGLE PARENTS: BENEFITS, GRANTS & PROGRAMS The American Rescue Plan was the third omnibus relief package from Washington D.C., and it provides a third stimulus check of up to $1,400 per child. As for taxes, families can also claim up to $3,600 per child under age 6 and $3,000 for children up to age 17 for one year. The previous tax credit was $2,000 per child. DOWNSIZING YOUR HOME TO REDUCE DEBT Here is what it will take: Run the numbers. Determine how much, if anything, you can save by downsizing your home. Use the Bankrate.com mortgage calculator to run a few scenarios. Hire a trusted real estate agent. Tell your agent what you can afford to spend for your new home and ask for a thorough explanation of your buying options. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT When the novel coronavirus hit in March of 2020, governments and businesses scrambled to create programs that would soften the gutpunch they
$300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS If you are unemployed and your job prospects are grim, March 11th was probably one of the better days you’ve had during the pandemic. That was the day federal unemployment benefits were extended untilSeptember.
FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT One of the best things about aging is the wisdom you accrue over the years. One of the worst things? The debt you are bound to accrue. According to a 2016 study done by the Employee Benefit Research Institute, nearly half of families with heads-of-households over 75 reported having debt. HOW TO GET A REFUND ON YOUR STUDENT LOAN PAYMENTS DURING Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Tax rates for individuals depend on their income level. Learn which bracket you fall into and how much you should expect to pay based onyour income.
HAZARD PAY FOR ESSENTIAL WORKERS: HOW MUCH COULD YOU EARN? The HEROES Act provides money for hazard pay during the COVID-19 public health emergency, calling on employers to pay essential workers $13/hour for greater risk of injury or death. HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC The CARES Act halted student loan payments and interest on federal loans until Sept. 30, 2020, but what happens after that date? HOW WORKING FROM HOME IN 2020 AFFECTS INCOME TAXES Maureen Milliken has been writing about finance, banking, investment, entrepreneurship, real estate and other related topics for more than30 years.
FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COLLEGE GUIDE TO BUYING COMPUTERS Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT When the novel coronavirus hit in March of 2020, governments and businesses scrambled to create programs that would soften the gutpunch they
$300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS If you are unemployed and your job prospects are grim, March 11th was probably one of the better days you’ve had during the pandemic. That was the day federal unemployment benefits were extended untilSeptember.
FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT One of the best things about aging is the wisdom you accrue over the years. One of the worst things? The debt you are bound to accrue. According to a 2016 study done by the Employee Benefit Research Institute, nearly half of families with heads-of-households over 75 reported having debt. HOW TO GET A REFUND ON YOUR STUDENT LOAN PAYMENTS DURING Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Tax rates for individuals depend on their income level. Learn which bracket you fall into and how much you should expect to pay based onyour income.
HAZARD PAY FOR ESSENTIAL WORKERS: HOW MUCH COULD YOU EARN? The HEROES Act provides money for hazard pay during the COVID-19 public health emergency, calling on employers to pay essential workers $13/hour for greater risk of injury or death. HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC The CARES Act halted student loan payments and interest on federal loans until Sept. 30, 2020, but what happens after that date? HOW WORKING FROM HOME IN 2020 AFFECTS INCOME TAXES Maureen Milliken has been writing about finance, banking, investment, entrepreneurship, real estate and other related topics for more than30 years.
FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COLLEGE GUIDE TO BUYING COMPUTERS Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT Enrolling in a two-year college, staying on top of the latest job skills and seeking out scholarships instead of student loans could keep you from landing in debt. HOW TO GET A REFUND ON YOUR STUDENT LOAN PAYMENTS DURING Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
BANKRUPTCY LAWYERS PREDICT FLOOD OF FILINGS DUE TO COVID-19 The storm is coming. American consumers will be filing personal bankruptcies in record numbers by the end of 2020.. That is the projection from bankruptcy attorneys, bankers and other experts who project that the COVID-19 era will lead to a historic financial tsunami. “Tsunami, hurricane, flood, bloodbath there are a variety of words you could use,’’ Miami-based bankruptcy attorney FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COLLEGE GUIDE TO BUYING COMPUTERS Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
FINANCIALLY PREPARING FOR DIVORCE: WHAT TO DO & WHO TO CONSULT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONS When you’ve reached the end of your rope, goes the maxim, tie a knot and hang on. Good advice if you have rope left. If not, and if what little bit of the rope you have left is unraveling as you squeeze, it may be time to grab hold of debt settlement or bankruptcy. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE IT How would you like to be deemed “judgment proof”? If nothing else, it sounds like a really good designation in life. Judgment proof is a legal term that could apply to anyone, but generally speaking is used to describe seniors and people with disabilities who live on fixedincomes.
FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
ARE TIMESHARES A GOOD INVESTMENT OR A SCAM? Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT When the novel coronavirus hit in March of 2020, governments and businesses scrambled to create programs that would soften the gutpunch they
$300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS If you are unemployed and your job prospects are grim, March 11th was probably one of the better days you’ve had during the pandemic. That was the day federal unemployment benefits were extended untilSeptember.
FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT One of the best things about aging is the wisdom you accrue over the years. One of the worst things? The debt you are bound to accrue. According to a 2016 study done by the Employee Benefit Research Institute, nearly half of families with heads-of-households over 75 reported having debt. HOW TO GET A REFUND ON YOUR STUDENT LOAN PAYMENTS DURING Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Tax rates for individuals depend on their income level. Learn which bracket you fall into and how much you should expect to pay based onyour income.
HAZARD PAY FOR ESSENTIAL WORKERS: HOW MUCH COULD YOU EARN? The HEROES Act provides money for hazard pay during the COVID-19 public health emergency, calling on employers to pay essential workers $13/hour for greater risk of injury or death. HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC The CARES Act halted student loan payments and interest on federal loans until Sept. 30, 2020, but what happens after that date? HOW WORKING FROM HOME IN 2020 AFFECTS INCOME TAXES Maureen Milliken has been writing about finance, banking, investment, entrepreneurship, real estate and other related topics for more than30 years.
FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COLLEGE GUIDE TO BUYING COMPUTERS Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT When the novel coronavirus hit in March of 2020, governments and businesses scrambled to create programs that would soften the gutpunch they
$300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS If you are unemployed and your job prospects are grim, March 11th was probably one of the better days you’ve had during the pandemic. That was the day federal unemployment benefits were extended untilSeptember.
FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT One of the best things about aging is the wisdom you accrue over the years. One of the worst things? The debt you are bound to accrue. According to a 2016 study done by the Employee Benefit Research Institute, nearly half of families with heads-of-households over 75 reported having debt. HOW TO GET A REFUND ON YOUR STUDENT LOAN PAYMENTS DURING Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Tax rates for individuals depend on their income level. Learn which bracket you fall into and how much you should expect to pay based onyour income.
HAZARD PAY FOR ESSENTIAL WORKERS: HOW MUCH COULD YOU EARN? The HEROES Act provides money for hazard pay during the COVID-19 public health emergency, calling on employers to pay essential workers $13/hour for greater risk of injury or death. HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC The CARES Act halted student loan payments and interest on federal loans until Sept. 30, 2020, but what happens after that date? HOW WORKING FROM HOME IN 2020 AFFECTS INCOME TAXES Maureen Milliken has been writing about finance, banking, investment, entrepreneurship, real estate and other related topics for more than30 years.
FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COLLEGE GUIDE TO BUYING COMPUTERS Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT Enrolling in a two-year college, staying on top of the latest job skills and seeking out scholarships instead of student loans could keep you from landing in debt. HOW TO GET A REFUND ON YOUR STUDENT LOAN PAYMENTS DURING Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
BANKRUPTCY LAWYERS PREDICT FLOOD OF FILINGS DUE TO COVID-19 The storm is coming. American consumers will be filing personal bankruptcies in record numbers by the end of 2020.. That is the projection from bankruptcy attorneys, bankers and other experts who project that the COVID-19 era will lead to a historic financial tsunami. “Tsunami, hurricane, flood, bloodbath there are a variety of words you could use,’’ Miami-based bankruptcy attorney FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
COLLEGE GUIDE TO BUYING COMPUTERS Debt.org wants to help those in debt understand their finances and equip themselves with the tools to manage debt. Our information is available for free, however the services that appear on this site are provided by companies who may pay us a marketing fee when you click orsign up.
FINANCIALLY PREPARING FOR DIVORCE: WHAT TO DO & WHO TO CONSULT Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONS When you’ve reached the end of your rope, goes the maxim, tie a knot and hang on. Good advice if you have rope left. If not, and if what little bit of the rope you have left is unraveling as you squeeze, it may be time to grab hold of debt settlement or bankruptcy. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE IT How would you like to be deemed “judgment proof”? If nothing else, it sounds like a really good designation in life. Judgment proof is a legal term that could apply to anyone, but generally speaking is used to describe seniors and people with disabilities who live on fixedincomes.
FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
ARE TIMESHARES A GOOD INVESTMENT OR A SCAM? Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONS Pay themselves. Debt settlement company fees could be as much as 20%-25% of your original debt. Debt settlement can be more lengthy than bankruptcy, and will still damage your credit score. If you need immediate relief or do not have the ability to pay monthly fees, bankruptcy may be the best (or only) solution. HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIES Funeral home’s basic service fee: $2,100. Vault: $1,395. Embalming: $725. Facilities and staff to manage a funeral ceremony: $500. Facilities and staff to manage a viewing: $425. This doesn’t include the costs of transporting remains, preparing the body, providing a plot and decorations such as wreaths or flowers. FINANCIALLY PREPARING FOR DIVORCE: WHAT TO DO & WHO Also, victims of domestic violence or those who fear for their safety may qualify for free legal aid from organizations that can help you gather evidence of abuse and file for restraining orders, among other things. Call the National Domestic Violence Hotline at 1-800-799-SAFE (7233). And not all abuse is physical. 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
FINANCIAL HELP FOR SPECIAL NEEDS CHILDREN & THEIR FAMILIES In 2021, the median financial eligibility level for Medicaid and CHIP children was 255% ($55,386 per year for a family of three) of the federal poverty level. Medicaid covers medical and long-term care services for special needs children, many of which are covered in limited amounts – if at all – in private insurance. APPEALING A SOCIAL SECURITY DISABILITY DENIAL: DO YOU NEED Fees for a Social Security Disability Attorney. Attorneys work Social Security Disability cases on a contingency basis. That is, they get paid only if they win, and their fee comes from the backpay they earn for their clients. Except in rare cases, Social Security law limits the size of a lawyer’s payout to $6,000 or 25%, whichever is less. CAN DEBT COLLECTORS TRACK YOU DOWN ON FACEBOOK? This means that debt collectors cannot take actions like writing to you on your Facebook wall, as this is public communication visible to others. They also cannot repeatedly send private messages to you, as repeated contact can constitute harassment. However, collectors may be able to contact you once via a private Facebook message, or once per ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONS Pay themselves. Debt settlement company fees could be as much as 20%-25% of your original debt. Debt settlement can be more lengthy than bankruptcy, and will still damage your credit score. If you need immediate relief or do not have the ability to pay monthly fees, bankruptcy may be the best (or only) solution. HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIES Funeral home’s basic service fee: $2,100. Vault: $1,395. Embalming: $725. Facilities and staff to manage a funeral ceremony: $500. Facilities and staff to manage a viewing: $425. This doesn’t include the costs of transporting remains, preparing the body, providing a plot and decorations such as wreaths or flowers. FINANCIALLY PREPARING FOR DIVORCE: WHAT TO DO & WHO Also, victims of domestic violence or those who fear for their safety may qualify for free legal aid from organizations that can help you gather evidence of abuse and file for restraining orders, among other things. Call the National Domestic Violence Hotline at 1-800-799-SAFE (7233). And not all abuse is physical. 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
FINANCIAL HELP FOR SPECIAL NEEDS CHILDREN & THEIR FAMILIES In 2021, the median financial eligibility level for Medicaid and CHIP children was 255% ($55,386 per year for a family of three) of the federal poverty level. Medicaid covers medical and long-term care services for special needs children, many of which are covered in limited amounts – if at all – in private insurance. APPEALING A SOCIAL SECURITY DISABILITY DENIAL: DO YOU NEED Fees for a Social Security Disability Attorney. Attorneys work Social Security Disability cases on a contingency basis. That is, they get paid only if they win, and their fee comes from the backpay they earn for their clients. Except in rare cases, Social Security law limits the size of a lawyer’s payout to $6,000 or 25%, whichever is less. CAN DEBT COLLECTORS TRACK YOU DOWN ON FACEBOOK? This means that debt collectors cannot take actions like writing to you on your Facebook wall, as this is public communication visible to others. They also cannot repeatedly send private messages to you, as repeated contact can constitute harassment. However, collectors may be able to contact you once via a private Facebook message, or once per ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONS Pay themselves. Debt settlement company fees could be as much as 20%-25% of your original debt. Debt settlement can be more lengthy than bankruptcy, and will still damage your credit score. If you need immediate relief or do not have the ability to pay monthly fees, bankruptcy may be the best (or only) solution. HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIES Funeral home’s basic service fee: $2,100. Vault: $1,395. Embalming: $725. Facilities and staff to manage a funeral ceremony: $500. Facilities and staff to manage a viewing: $425. This doesn’t include the costs of transporting remains, preparing the body, providing a plot and decorations such as wreaths or flowers. 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
FINANCIAL HELP FOR SPECIAL NEEDS CHILDREN & THEIR FAMILIES In 2021, the median financial eligibility level for Medicaid and CHIP children was 255% ($55,386 per year for a family of three) of the federal poverty level. Medicaid covers medical and long-term care services for special needs children, many of which are covered in limited amounts – if at all – in private insurance. APPEALING A SOCIAL SECURITY DISABILITY DENIAL: DO YOU NEED Fees for a Social Security Disability Attorney. Attorneys work Social Security Disability cases on a contingency basis. That is, they get paid only if they win, and their fee comes from the backpay they earn for their clients. Except in rare cases, Social Security law limits the size of a lawyer’s payout to $6,000 or 25%, whichever is less. HOSPITAL AND SURGERY COSTS In 2016, Medicaid paid about $339.3-billion for acute-care services, such as hospital care, physician services and prescription drugs. Its share of hospital admissions is about 20%, for whom it pays about 89% of all hospital costs. Overall, Medicaid pays for approximately 17% of all hospital care costs. There are other ways to pay for surgery. CAN DEBT COLLECTORS TRACK YOU DOWN ON FACEBOOK? This means that debt collectors cannot take actions like writing to you on your Facebook wall, as this is public communication visible to others. They also cannot repeatedly send private messages to you, as repeated contact can constitute harassment. However, collectors may be able to contact you once via a private Facebook message, or once per ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. COVID-19 FINANCIAL ASSISTANCE: WHERE TO FIND HELPVETERANSCOMMON FINANCIAL TERMSUNDERSTAND YOUR DEBT Child Tax Credit. The American Rescue Plan institutes a fully refundable child tax credit for 2021 — eligible families get the money even if they don’t pay income taxes — and boosted its outlay to $3,600 (from $2,000) for children under age 6, $3,000 between 6 and $300 UNEMPLOYMENT BENEFITS: WHEN IT STARTS & HOW LONG IT LASTS The period between March 14 and Sept. 6 spans 25 weeks. If the payments were to pick up immediately, that’s $7,500 extra in federal money for individuals. ARPA also increased the maximum period of benefits from 50 weeks to 79 weeks. If you are on unemployment and are not receiving the extra $300 a week, alert your state unemploymentsystem.
HOW TO HANDLE STUDENT LOAN PAYMENTS DURING THE PANDEMIC To get the amount of interest you’re being charged daily we would do a simple calculation: ($35,000 * 0.045)/365 = $4.315. Rounding up, your daily interest comes out to $4.32. Multiply this by 30 to get your monthly interest charge of $130. This is the amount you’re FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which MORTGAGE DEBT FORGIVENESS & DEBT RELIEF Mortgage Forgiveness and Debt Relief Act. This vestige of the Great Recession, passed in late 2007 during the George W. Bush administration, then extended by Congress under both presidents Obama and Trump, allowed — under limited circumstances — debt forgiven by mortgage lenders to be excluded from the borrower’s tax return. JUDGMENT PROOF: WHAT IT MEANS & HOW TO PROVE ITSEE MORE ON DEBT.ORG BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONSSEE MORE ON DEBT.ORG FINANCIAL HELP FOR ALZHEIMER'S CAREGIVERS & DEMENTIA PATIENTS Bill “No Pay” Fay has lived a meager financial existence his entire life. He started writing/bragging about it in 2012, helping birth Debt.org into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering the high finance world of college and professional sports for major publications, including the Associated Press, New York Times andSports
FINANCIAL ASSISTANCE FOR CANCER PATIENTS: ORGANIZATIONS The organization’s phone number is (800) 813-4673 and its website is www.cancercare.org. AvonCares Program for Women Fighting Cancer. Offers financial aid to low-income and uninsured women diagnosed with breast or cervical cancer. It is a unit of CancerCare and can be reached at the same phone number and website. ADVICE ON HOW TO KEEP YOURSELF OUT OF DEBT 50 — Limit your “must have’’ expenses — shelter, utilities, food, transportation, insurance, child care and minimum loan payments — to 50% of your after-tax income. And here’s another gauge for debt. If a new debt payment still keeps you under the 50% mark, you can probably afford it. FINANCIAL HELP FOR SENIORS: GOVERNMENT BENEFITS, PAYING DEBT According to the Bureau of Labor Statistics, the average retiree over the age of 65 spends over $46,000 a year or almost $4,000 a month. The average Social Security retirement benefit for 2019 is $1,461 a month, or $17,532 a year. That’s a pretty substantial gap. What the average person gets in benefits will cover the cost of housing, which BANKRUPTCY VS. DEBT SETTLEMENT: PROS & CONS Pay themselves. Debt settlement company fees could be as much as 20%-25% of your original debt. Debt settlement can be more lengthy than bankruptcy, and will still damage your credit score. If you need immediate relief or do not have the ability to pay monthly fees, bankruptcy may be the best (or only) solution. HELP WITH FUNERAL COSTS: BURIAL FUNDS, PROGRAMS & CHARITIES Funeral home’s basic service fee: $2,100. Vault: $1,395. Embalming: $725. Facilities and staff to manage a funeral ceremony: $500. Facilities and staff to manage a viewing: $425. This doesn’t include the costs of transporting remains, preparing the body, providing a plot and decorations such as wreaths or flowers. 2020-2021 TAX BRACKETS & RATES FOR EACH INCOME LEVEL Whether your taxable income is $40,000 a year, $400,000, or $40 million, the first $10,000 you earn is taxed the same (10%). The same goes for the next $30,000 (12%). And so it goes through the various levels until the brackets top out at 37% ($518,401 for single filers). FINANCIAL HELP FOR WIDOWS: GOVERNMENT BENEFITS, MANAGING DEBT Financial help for single parents can be found through several government agencies, nonprofit organizations, churches and community groups in the form of grants for low-income widows and professional financial guidance that includes debt management advice. Of course, the most obvious place to seek help is from those closest to you: yourfamily.
FINANCIAL HELP FOR SPECIAL NEEDS CHILDREN & THEIR FAMILIES In 2021, the median financial eligibility level for Medicaid and CHIP children was 255% ($55,386 per year for a family of three) of the federal poverty level. Medicaid covers medical and long-term care services for special needs children, many of which are covered in limited amounts – if at all – in private insurance. APPEALING A SOCIAL SECURITY DISABILITY DENIAL: DO YOU NEED Fees for a Social Security Disability Attorney. Attorneys work Social Security Disability cases on a contingency basis. That is, they get paid only if they win, and their fee comes from the backpay they earn for their clients. Except in rare cases, Social Security law limits the size of a lawyer’s payout to $6,000 or 25%, whichever is less. HOSPITAL AND SURGERY COSTS In 2016, Medicaid paid about $339.3-billion for acute-care services, such as hospital care, physician services and prescription drugs. Its share of hospital admissions is about 20%, for whom it pays about 89% of all hospital costs. Overall, Medicaid pays for approximately 17% of all hospital care costs. There are other ways to pay for surgery. CAN DEBT COLLECTORS TRACK YOU DOWN ON FACEBOOK? This means that debt collectors cannot take actions like writing to you on your Facebook wall, as this is public communication visible to others. They also cannot repeatedly send private messages to you, as repeated contact can constitute harassment. However, collectors may be able to contact you once via a private Facebook message, or once per * LATEST BLOG POST How to Get Out of Debt in 2020 * LATEST NEWS ARTICLE How the New FICO Credit Scoring System WillAffect You
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