Tips for Seniors and Families




Free Tax Preparation Clinics at the Library


Bring your social security cards, photo IDs, last year’s return, all necessary forms and receipts (W2s, 1099s, 1095-As etc.), childcare provider’s ID number, amount of other income or economic stimulus payments, and bank routing and account numbers if requesting direct deposit. 

AARP Tax Aid Clinics 

Appointments required, but some limited walk-ins may be accepted. Call the branch for an appointment no more than one week in advance. n England Run: January 25–April 11, Mondays and Saturdays 9:00–2:00 n Salem Church: February 3–April 15, Wednesdays and Fridays 10:00–2:00 n Snow: February 6–April 9, Saturdays 9:00–2:00


Rappahannock United Way Earned Income Tax Credit (EITC) Clinics 

Eligibility: Maximum 2015 income of $60,000, regardless of family size. Visit or call the Rappahannock United Way for more information at 540-373-0041. No appointments required.

*7:00 is the latest a return may be started, as the clinic closes promptly at 8:00.


Financial Events at the Library


Free Wills for Seniors and Resource Fair
England Run • Monday, May 16, 9:30–3:00
Rappahannock Legal Services, Inc.’s first annual FREE Wills for Seniors and Resource Fair. For eligibility and screening contact Carolyn Ross 540-371-1105, ext. 111 or Pre-registration required.

Money Smart at the library! 
Porter, 3rd Saturdays, 10:00–11:30.
Workshops offered by the Virginia Credit Union. To register, visit or call the Porter Branch at 540-659-4909. Drop-ins welcome.

Join Brad Ellis, Financial Advisor with the Edward Jones investment firm, for timely information and Q&A on one or both of these topics:



Cooking On A Budget

Salem Church, Wednesday, April 27, 12:00.
Need ideas for quick, nutritious, low cost meals? April Payne from the Spotsylvania Extension Office shares shopping and cooking tips. Sample a delicious meal prepared during the class! 


College Admissions: Tips and Tricks for Parents


Porter, Thursday, April 28, 7:30– 8:30.
College and career coach Felice Rollins helps you ready your student for college with tips on choosing the right college, navigating the application process, creating a timeline, and finding financial aid and scholarships. 

Foundations of Investing
Salem Church, Wednesday, April 27, 7:00–8:00
Edwin Peterson from the Edward Jones investment firm hosts an introductory seminar on how to invest in today’s market.





The IRS is warning about tax scams to watch for in 2016...

ALERT: New Tax Scam Warning from IRS

Top 10 Scams from the IRS for Tax Season


Please remain alert and protect your personal information!!!





Explore the World with Road Scholar






Educational Travel Since 1975


Road Scholar (formerly known as Elderhostel), the not-for-profit leader in educational travel since 1975, offers 5,500 educational tours in all 50 states and 150 countries. Alongside local and renowned experts, experience in-depth and behind-the-scenes learning opportunities, from cultural tours and study cruises to walking, biking and more.


Scholarships for Those in Financial Need
Each year, Road Scholar awards $250,000 in scholarships toward programs in North America for those who do not have the financial means to participate.


Learn More About Road Scholar by going to






            Virginians Age 60 & Older


May Take College Courses with Free Tuition

(Senior Citizens Higher Education Act)



Did you know that Section §23-38.56 of the Code of Virginia (also known as the Senior Citizens Higher Education Act) states that Virginians age 60 and older may take college courses without paying tuition?  Older citizens may register for and enroll in courses in any state institution of higher education (subject to the admission requirements of the institution) as a full-time or part-time student for academic credit if their federal taxable income does not exceed $15,000 per year. The State Council of Higher Eduction (SCHEV) has details of the Senior Citizen Tuition Waiver.  These details may be found at


Virginians age 60 and older, regardless of income, may register for and audit courses in any Virginia institution of higher education. Students may have to pay for course materials and laboratory fees. For more information, contact the admissions office of the state college or university nearest you. SCHEV offers a listing of state colleges and universities at







Health Insurance Opportunity


If you know someone who is uninsured or underinsured, someone who works for or owns a small business, or someone who simply wants to know what other health insurance options are out there, the Marketplace on offers options for coverage with financial assistance. 



Health insurance provides peace of mind.  Before the Marketplace, many people could not afford to get the health care they needed.  Now financial help is available, families do not have to be at risk of bankruptcy due to medical expenses.  If everyone tells just one friend or family member about the Marketplace, we’ll be taking steps to achieve our strategic goal of a Healthier America.  The Health Insurance Marketplace established under the Affordable Care Act (ACA) does not affect the Federal Employees Health Benefits (FEHB) Program.



So the bottom line is this. If you have friends or family who are uninsured, tell them to or, the Spanish version of the site.







                                                                                 Adoption is a Family Matter!


Virginia One Church- One Child advocates the recruitment of African-American families for Adoption Grants. Please contact for Sis. Charlene White at (804) 440-5090 if interested in participating or go to their website: Presently, there are approximately 1,362 Afro-American, children who are awaiting placement with wholesome families in Virginia. Parents (through adoption) are desperately needed ASAP.













MISSION:  I Am a 21st Centure Leader Program is a  program sponsored by Empowering the Poor, a 501 (c) (3) nonprofit organization dedicated to empowering poor communities to self-reliance through education, healthcare, and micro loans programs in the United States and around the world.  The mission of the I Am a 21st Century Leader Program is to enhance the academic achievement and leadership skills of all students attending the local 1st through 12th grades by providing special emphasis on empowering economically disadvantaged students and their parents to become accountable for learning and long-term academic successes by matching students, parents with caring teachers to:



The program's aim is "to help students understand what is means and takes to become a leader in today's 21st century global village, while promoting perssonal and community responsibility."  The leadership aspect of the program's audience is limited to 9th - 12th grade students and provides leadership activities that inlcude local and global service-learning projects, field trips, college tours, etc.


To seek assistance, obtain more information, or donate to this very worthwhile program, please contact Darius Coulibaly, Program Founder & Chief Executive Servant at  

To donate to this very worthwhile cause, you may donate online at or mail your tax-deductible donation to:


P O BOX 42031





myRA (my Retirement Account


myRA (my Retirement Account) is a new retirement savings program that helps you take control over your future introduced by the Obama administration.  myRA is a simple, safe and affordable retirement account created by the United States Department of the Treasury for the millions of Americans who face barriers to saving for retirement.  It is designed as a new retirement savings option that makes it easy for you to participate, with no minimums, fees or risky investments.

Learn more by visiting:




·   Contact the United States Treasury about myRA

·   Website:

·   Email:

·   Phone: 855-406-6972

·   TTY/TDD: 855-408-6972

·   International: 1-414-365-9616






Spotsylvania County provides an exemption of taxes on real property for the elderly and/or totally disabled persons.


GENERAL INFORMATION If you are disabled, one letter from Social Security or one letter from two separate doctors has to be provided at the time of application stating the total disability and the date the applicant was declared disabled. The disability date has to be before January 1 of the tax year. The disability statements only need to be provided if you are a first time applicant and are not over sixty-five (65) years old. The exemption is for the dwelling and up to one (1) acre of land. Applicants are required to own and occupy the property currently and before January 1 of the current tax year for which the exemption is applied. An exemption may be given for the prior tax year if the applicant meets the qualifications and an application is submitted before the March 1 deadline anniversary date. The prior year gross income and net worth totals are used to determine if the applicant qualifies. A maximum amount of up to $1,200 in taxes may be exempted. 


The exemption is granted on an annual basis and a renewal application has to be filed each year. 

1) All information on the application is confidential and not open to public inspection. 

2) Current exempted taxes are due upon the sale of the exempted property and/or death of the applicant if there is no surviving qualifying co-applicant, or if the applicant(s) no longer resides on the exempted property for any reasons other than occupying a nursing home/hospital. 




Application forms are available at:










You can prevent or delay type 2 diabetes. Stay at a healthy weight, eat well and be active. With these steps, you can stay healthier longer and lower your risk of diabetes. - See more by clicking the button below:





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