Tips for Seniors and Families

 

 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 http://www.roadscholar.org/about/history.asp

 

 

 

 

 

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 http://www.schev.edu/adminfaculty/regsSeniorCitizenTuitionWaiver.pdf

 

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 http://www.schev.edu/Students/collegeListAlpha.asp

 

 

 

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 www.HealthCare.gov 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 www.HealthCare.gov or www.CuidadoDeSalud.gov, 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: www.vaonechurchonechild.org. 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.

 

 

 

 

 

 

 

I AM A 21st CENTURY LEADER PROGRAM PROVIDES TUTORING & LEADERSHIP DEVELOPMENT

AN INNOVATIVE, PEPRSONALIZED LEARNING, & YOUTH LEADERSHIP PROGRAM

FOCUSING ON MATH, LANGUAGE ARTS, ENGLISH, SOCIAL STUDIES, SCIENCE, WORLD LANGUAGES, SOL, SAT/ACT/ASVAB, 

& GED PREPARATION

www.empoweringthepoor.org

 

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 coulibaly@empoweringthepoor.org.  

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

EMPOWERING THE POOR

P O BOX 42031

FREDERICKSBURG VA  22404

 

 

 

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:  https://myra.gov

 

 

   Questions?

·   Contact the United States Treasury about myRA

·   Website:  https://myra.gov/

·   Email: myra@treasury.gov.

·   Phone: 855-406-6972

·   TTY/TDD: 855-408-6972

·   International: 1-414-365-9616

 

 

 

TAX RELIEF FOR SPOTSYLVANIA SENIORS

 

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. 

 

ELIGIBILITy:

 

Application forms are available at:  http://www.spotsylvania.va.us/cor/realestate/taxrelief