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.
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
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:
Remediate academic gaps and help student to master concepts taught at their current grade levels;
Teach independent study skills and test-taking strategies;
Provide assistance with homework completion;
Increase the literacy skills of students with limited English proficiency; and
Prepare students to pass the SOLS, SAT/ACT. ASVAB, and GED tests.
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 firstname.lastname@example.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
· Contact the United States Treasury about myRA
· Website: https://myra.gov/
· Email: email@example.com.
· 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.
Age 65 years or older or totally disabled before January 1st
Income of $50,000 or less
Net worth less than $200,000 (excluding home and up to 10 acres)
Reside in Spotsylvania County at the exempted home
Application forms are available at: http://www.spotsylvania.va.us/cor/realestate/taxrelief
TIPS FOR FAMILIES
Providing Additional Funding for the Children’s Health Insurance Program. Under the law, states will receive two more years of funding to continue coverage for children not eligible for Medicaid.
If your children need health coverage, they may be eligible for the Children's Health Insurance Program (CHIP). If they qualify, you won't need to buy a Marketplace plan to cover them.
CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers parents and pregnant women. Each state offers CHIP coverage, and works closely with its state Medicaid program.
What CHIP covers
The benefits covered through CHIP are different in each state, but all states provide comprehensive coverage, including:
Dental and vision care
Inpatient and outpatient hospital care
Laboratory and X-ray services
States may choose to provide additional CHIP benefits. Check with your state for more information about covered services.
What CHIP costs
Routine "well child" doctor and dental visits are provided free of charge. But there may be copayments for certain other services. Some states charge a monthly premium for coverage. The costs you'll have to pay are different in each state, but you can't be asked to pay more than 5% of your family's income for the year.
See if your children qualify for CHIP
Each state program has its own rules about who qualifies for CHIP. There are 2 ways to see if your children qualify:
Visit www.insurekidsnow.gov, or call 1-877-543-7669.
Fill out the Marketplace application when enrollment opens October 1, 2013. When you finish this application, we'll tell you which programs you and your family qualify for. If it looks like anyone is eligible for CHIP, we'll let the CHIP agency know so that your coverage can start right away.
PROTECT YOUR$ELF FROM FRAUD BY...
Taking your name off the Marketer’s Hit List
Dial the "Do Not Call Registry" at 800.382.1222 to register with the Federal Trade Commission (FTC)
Don’t use the “Remember Me” function on online accounts
Choose uncommon passwords – Cr3d!+Un!0n$R0ck
Change your passwords regularly and don’t write them down
Be careful of posting identifying info about you or your family on personal web pages (Facebook, MySpace, etc…)
Use Reliable Computer Protection like Anti-virus, Anti-Spyware, Firewall protection programs
Don’t leave a "personal information trail" and shred your mail professionally (banks offer this service on occasions free)
Be Aware During Phone Calls
Know who is calling you
Never give personal info over the phone unless you initiate the call
Never respond to an e-mail requesting personal info
Monitor your Credit Report by going to