So many people travel for important holidays that you may be quite disappointed with the cost of it. There are great ways you can save money though whether you are traveling by plane, train, or bus to get to your destination for the holidays. It is essential that you book your travel arrangements early. You don’t want to be stuck without a way to get where you want to be for the holidays due to everything being sold out. You also want to take your time to compare prices. Continue reading “SAVE MONEY ON HOLIDAY TRAVEL GET LOWER PRICES”
You can buy T-bills online directly from the U.S. government at TreasuryDirect.
Alternatively, you can also buy T-bills through a bank or broker. Bills are issued weekly
through an auction bidding process.
What is the current 1 year T bill rate?
Basic Info. 1 Year Treasury Rate is at 4.32%, compared to 4.38% the previous market
day and 1.55% last year. This is higher than the long term average of 2.88%.
Are 6 month T-bills tax free?
Interest from Treasury bills (T-bills) is subject to federal income taxes but not
state or local taxes. The interest income received in a year is recorded on Form
1099-INT. Investors can opt to have up to 50% of their Treasury bills’ interes
earnings automatically withheld.
Interest rates continues to be low but not for long. The Federal Reserve
have begun to tighten. Recent statements state an additional rate hike as early as
May 2023. With inflation still high the Federal Reserve is left with no choice.
What are the primary generations today?
Gen Z, iGen, or Centennials: Born 1996 – 2015.
Millennials or Gen Y: Born 1977 – 1995.
Generation X: Born 1965 – 1976.
Baby Boomers: Born 1946 – 1964.
Traditionalists or Silent Generation: Born 1945 and before.
How much did the Federal Reserve make in 2022?
The Federal Reserve Board on Friday announced preliminary financial information
indicating that the Federal Reserve Banks had estimated net income of $58.4 billion in 2022.
The Federal Reserve raising interest rates will earn even more in 2023.
What states do not tax Social Security income?
States That Don’t Tax Social Security
Alaska.
Florida.
Nevada.
New Hampshire.
South Dakota.
Tennessee.
Texas.
Washington.
What is the maximum Social Security benefit you can get?
The maximum benefit depends on the age you retire. For example, if you retire at full
retirement age in 2023, your maximum benefit would be $3,627. However, if you retire
at age 62 in 2023, your maximum benefit would be $2,572. If you retire at age 70 in 2023,
your maximum benefit would be $4,555.
6 Month Treasury Bill Rate is at 4.94%, compared to 4.91% the previous market day
and 0.71% last year. (February 28, 2023)
What is the easiest SBA loan to get?
SBA Express
This term loan or line of credit offers fixed or variable SBA loan rates as well
as the easiest SBA application process, quick approval times, flexible terms, and
lower down payment requirements than conventional loans.
Gather the information listed below that you’ll need to fill out an Application for Health Benefits (VA Form 10-10EZ)
You’ll need this information:
Social Security numbers for you, your spouse, and your qualified dependents
Your military discharge papers (DD214 or other separation documents)
Insurance card information for all insurance companies that cover you, including any coverage provided through a spouse or significant other. This includes Medicare, private insurance, or insurance from your employer.
Gross household income from the previous calendar year for you, your spouse, and your dependents. This includes income from a job and any other sources. Gross household income is your income before taxes and any other deductions.
Your deductible expenses for the past year. These include certain health care and education costs.
Note: You don’t have to tell us
What are the basic requirements for a VA loan?
You meet the minimum active-duty service requirement if you served for:
At least 24 continuous months, or.
The full period (at least 181 days) for which you were called to active duty, or.
At least 181 days if you were discharged for a hardship, or a reduction in force.
Medicare offers free or low-cost medical benefits to people with disabilities, through three
parts that cover different services:
Medicare Part A: Hospital Insurance
Medicare Part A helps cover inpatient care in hospitals, including critical access hospitals
in rural areas, and skilled nursing facilities for temporary treatments. It does not cover
custodial care, which helps you with activities of daily living or long-term care. It also
helps cover hospice care and some home health care. You need to meet certain conditions to
get these benefits. Most people don’t pay a premium for Part A because they or a spouse
already paid for it through their payroll taxes while working.
Medicare Part B: Medical Insurance
Medicare Part B helps cover doctors’ services and outpatient care. It also covers other
medical services that Part A doesn’t cover, like some of the services from physical and
occupational therapists, and some home health care. Part B helps pay for these covered
services and supplies when they are medically necessary, like ambulance services and
medical equipment. Most people pay a monthly premium for Part B.
Medicare Part D: Prescription Drug Coverage
Medicare Part D is available to everyone with Medicare, not just those who are disabled.
To get Medicare prescription drug coverage, you’ll need to join a plan approved by
Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part
D coverage.
Medicaid
Medicaid is different than Medicare because it only offers health insurance to people under
65 with certain disabilities and any age with end-stage renal disease. Medicaid eligibility
criteria is different from state to state. Many states have expanded their Medicaid programs
to cover more low-income adults. If you are not sure if you qualify for Medicaid, you should
apply. You might be eligible depending on your household income, family size, age, disability,
and other factors. You can learn more about Medicaid in your state through Medicaid.gov.
You can learn more about applying for Medicare and Medicaid at CMS.gov.
Disability Insurance
SSA offers Social Security Disability Insurance (SSDI) to provide financial help to people who
become disabled after earning enough Social Security work credits within a certain time. To
be eligible, you must have a qualifying disability and have earned enough Social Security
work credits through your employment history. You can apply online as soon as you become
disabled.
SSA offers another program called the Ticket to Work Program, which is a free, voluntary program.
It helps people who receive Social Security disability benefits re-enter the workforce and become
financially independent, all while keeping their benefits. Ticket to Work connects you with free
employment services to help you decide if working is right for you, prepare for work, find a job, or
maintain success while you are working. You can learn more on the Ticket to Work site and find
resources that might be helpful to you.
Find more benefits
To learn more about disability benefits or other government benefits you may be eligible for,
take the Benefit Finder questionnaire. It can take between 10-30 minutes to finish, and all answers
are kept confidential. Once you have completed the questionnaire, you will receive a list of
government benefits you may be eligible for and where you can apply. Check out this video
to learn more about the Benefit Finder Questionnaire.
Tags
HEALTHCARE & MEDICAL ASSISTANCE
Print Email
Featured Benefits
Medicare Program
Medicaid Program
Social Security Disability Insurance Benefits
Supplemental Security Income (SSI)
You May Also Like
Eating Disorders Awareness
Importance of Heart Health
Benefits for Senior Citizens
What benefits are widows of veterans eligible for?
What are veteran survivor benefits? As a veteran’s surviving spouse, child or parent,
you may qualify for certain benefits, such as help with burial costs and compensation
or pension. You may also qualify for health care, life insurance, or financial assistance’
The information contained in this article is to be used for reference only. It is not to be used in place of, or in conjunction with, professional hair care advice. Anyone who notices a concerning condition, relating to their hair, should consult a dermatologist for proper diagnosis and/or treatment.
10 Tips To Improved Hair Care
Hair care is an important part of looking good and feeling good, both inside and out. There are an endless number of hair care products that promise to shape up, curl, straighten, moisturize and rejuvenate, but what is the best way to maintain healthy hair?
Here are 10 tips to get you started.
If you notice split ends, have them trimmed. This will result in healthier hair and a better overall appearance.
A trim is relatively inexpensive and should only take a matter of min…
Hair care is an important part of looking good and feeling good, both inside and out. There are an endless number of hair care products that promise to shape up, curl, straighten, moisturize and rejuvenate, but what is the best way to maintain healthy hair?
Here are 10 tips to get you started doing it yourself.
If you notice split ends, have them trimmed. This will result in healthier hair and a better overall appearance.
A trim is relatively inexpensive and should only take a matter of minutes at the local salon.
Use a low to medium heat on your hair dryer. Extreme heat can dry out the hair and cause the frizzies.
Avoid prolonged exposure to the sun, which is not only bad for your skin, but can dry out your hair as well.
Many people suffer from dandruff. If you are one of the many, avoid scratching or rubbing the head as this will promote flaking.
Instead, use a shampoo and/or conditioner that is especially designed to treat dandruff and eliminate flaking.
If you have thin hair, add a volumizing shampoo for added body. If you have thick hair, using a healthy shine shampoo will bring out the additional beauty.CLICK NOW FOR MORE INFORMATION
Avoid harsh hair care products, which can dry out or damage the hair. In some cases, individuals have even experienced hair loss in using certain at-home perm and/or coloring treatment products.
If you want to have this type of treatment done, have it done at the salon.
In choosing a salon, make sure that you opt for one that has been in business for awhile and has a clean, professional workspace.
Ask friends for referrals. If they have used a certain hair care product, which coincides with one that you are searching for, inquire about their experience.
The same is true with salons, which are often best recommended by friends and family.
When brushing your hair, use soft strokes rather than those swiped in a hurry. A part of quality hair care is, just as the name implies, caring for your hair.
When using styling products, make sure that they do not overheat prior to using them on your hair.
Extreme heat can and will damage the hair, not to mention the discomfort of a burn resulting from an overheated styling product.
The information contained in this article is to be used for reference only. It is not to be used in place of, or in conjunction with, professional hair care advice.
Anyone who notices a concerning condition, relating to their hair, should consult a dermatologist for proper diagnosis and/or treatment.
If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane.
But you can do your part to stay ahead of the battle by following these great tips for hair care.
1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must
If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane.
But you can do your part to stay ahead of the battle by following these great tips for hair care.
1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must have. Look for products in salons that are customized for your hair type.
For instance: If you have color or a perm, choose a conditioner that is for chemically processed hair. And stay away from those all-in-one shampoo and conditioner combos.
Audible Gift Memberships
https://imgenerationx.com/wp-admin/revision.php?revision=7859&gutenberg=true
2. Choose a cut tailored to your face and body shape. The number one mistake that people make when choosing a new hairstyle is to pick a style based on popularity rather than how it will enhance their features.
Always choose a new cut based on how it will enhance or detract from your facial features and build. If you have broad shoulders, choose a full-bodied cut over a close cropped head hugging doo.
3. Don’t forget your UV protectants. Just as your skin gets damaged by wind and sun, so does your hair. To combat this, look for finishing products such as mousses, gels and sprays that block UV rays.
4. Keep your appointments. Did you know that your hair will split faster than it will grow? You need to get a trim every 6 to 8 weeks, even if it’s just a micro trim. A good hairdresser makes them good because they know what to leave on the head, not take off.
5. Leave chemicals to the professionals. There is a reason why beauticians need to go to school to learn how to handle chemicals and hair processes.
You can do irreparable damage with these products even if the package says that it’s way easy. And even if you don’t make your hair fall out, you could end up looking like a clown and paying a stylist big bucks to fix your mess. (Note: Most stylists charge double the rate for corrective color than they do for normal color processes)
6. Get color for interest and body. Every cut needs a little bit of color to make it truly breathtaking. No matter whether your taste is subtle or dramatic, you can add interest and volume to your tresses with a color process.
Highlights, lowlights, all over color, gray coverage, you name it, it’s all good for your look.
7. Do weekly conditioning treatments. Even if your hair is extremely healthy, it is constantly on the attack from wind, sun, cold and heat. During the summer months, your hair is battered even more when it absorbs chlorine and other chemicals from your pool.
8. Get an ionic ceramic flat iron. Instead of frying your hair with a conventional metal plated flat iron. Straighten your tresses, add shine and infuse moisture with one of the a negative ionic flat irons. We personally use T3 irons for all our work.
9. Choose your styling products wisely. Avoid products that leave build-up on your hair. If you see white gunk, that means that your product is not water-soluble and may be coating your hair shaft.
Build-up causes limpness, breakage and inability to curl not to mention the white flakes.
10. Did you know that if you use a towel after your shower to dry your hair you are causing split ends and adding static electricity to your hair. Don’t rub the towel back and forth over your hair, scrunch the towel around your hair like your would scrunch crackers in your soup.
While all of these tips won’t make you look like you’ve hired a personal hairdresser, they will help you look the very best that you can each and every day. When it comes to hair care, remember that you wear your hair everyday.
Now isn’t it worth the time, effort and money that it takes to keep it looking spectacular?
PLEASE DONATE WITH THE PAYPAL BUTTON BELOW — CLICK NOW
Your Small Business Web Site
A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. So, how can you reach some of those internet surfers, and how can you capture some of the billions spent in e-commerce?
A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. Almost 60% of Canadians had access to the internet at home in 2003, and around 8 million had regular access to the internet from somewhere, either at home, at work or at school.
And that’s just in Canada. Ecommerce sales from Canada were $7.2 billion, and we only captured 4% of the global e-commerce market! So, how can you reach some of those internet surfers, and how can you capture some of that $7.2 billion spent in e-commerce?BUILDING RETIREMENT WEALTH
First, you build it
The first step is designing your website. If your company already has business cards and letterhead, it’s best to design your website around them. A matching corporate identity and website helps with branding.STARTING A BUSINESS
I like uncomplicated websites, with a simple layout and easy navigation. A nice, simple layout, with good graphics, a balanced look, and good color combinations is my #1 goal when designing a small business website.
Remember to use graphics sparingly and to optimize them for your website because internet surfers are impatient. If your page loads too slowly, they’ll leave.
Navigation should be easy to find and to use, and it should be consistent from page to page. I’ve left more than one site frustrated because I couldn’t easily find their navigation.
Small business websites aren’t static. They evolve. You need to start somewhere, and starting with an introductory website is probably the easiest. All you really need to start is five pages. You can always add pages later.
The important thing is to just do it—take the plunge and get it out there.
1
Principal
Principal is the amount of money you borrowed to buy your house, or the amount of the loan that you have not yet repaid.
Keep in mind, the more money you pay up front in your down payment, the less you will have to borrow.
The amount of money you can borrow is based on a variety of factors, including your monthly income and payments such as car loans and student loans. Use our mortgage affordability calculator to estimate how much you may be able to qualify for.
2
Interest
Interest is the cost you pay to borrow money from your lender, and it usually appears as a percentage of the amount you borrowed.
Interest rates are set by your lender based on many factors, some that you can control and some that you can’t. Out of those that you can control, one of the most important factors is your credit score. A higher credit score could help you get a lower interest rate.
Learn more about interest and getting the best possible rate for you.
3
Escrow
Required by many lenders under the terms of your mortgage, an escrow account is a reserve set aside to pay for a portion of your annual costs for property taxes and insurance premiums, such as homeowners insurance.
Your escrow payment goes to your lender, who deposits the money into an escrow account. The lender uses the money in the escrow account to pay for your property taxes and insurance premiums on your behalf when they are due.
Regularly scheduled escrow payments are a good option for many homeowners because they eliminate the surprise of a large annual payment for those expenses.
Learn more about escrow payments.
4
Taxes
Your mortgage payment will typically include one-twelfth of the estimated annual real estate taxes, also known as property taxes, on the home you purchased.
These payments are put into an escrow account, and the lender will use the funds to pay your property taxes on your behalf when they are due.
5
Homeowners Insurance
Homeowner’s insurance protects both you and your lender from fire or flood, which damages the structure of the house. It also protects from a liability, such as an injury to a visitor to your home, in addition to damage to your personal property, such as your furniture, clothes or appliances.
Your mortgage payment will usually include one-twelfth of your annual homeowner’s insurance premium that will be put into an escrow account.
Just like your taxes, when your insurance is due, your lender will use the money from that account to pay your homeowner’s insurance on your behalf.
6
Mortgage Insurance
If your down payment is less than 20%, you will have to purchase private mortgage insurance, an added insurance policy that protects the lender if you are unable to pay your mortgage.
As with your taxes and homeowner’s insurance, one-twelfth of your annual mortgage insurance premium is included in your monthly payment and put into your escrow account. Your lender will use these funds to pay for your insurance on your behalf when it is due.
7
Homeowner’s Association Fees or Condominium Fees
Most neighborhoods and all condominiums have a homeowner’s association (HOA). HOAs provide service
THESE ARE SOME BOOKS WE HIGHLY RECOMMEND TO GET STATRTED ON YOUR JOURNEY TO HOME
OWNERSHIP. THE JOURNEY OF A MILE START EITH ONE STEP. IF MILLIONS OF AMERICANS OWN
THEIR VERY OWN HOME, THAN WHY NOT YOU (CLICK NOW — GET A BOOK THAT TELLS YOU STEP
BY STEP HOW TO PURCHASE YOUR DREAM HOME IN 2023————
Home Equity Loans: How to get the Best Home Equity Loan Deal
What you should you know about Home Equity Loans Credit
Home Equity Secrets
How to Own Your Home Years sooner and Retire Debt Free
What does it mean living in a Section 8?
The Housing Choice Voucher Program, also known as Section 8, is the federal government’s
program for assisting low-income families, the disabled, and the elderly afford housing.
Participants can choose housing that meets the requirements of the program and receive
housing vouchers to help with their rental costs.Jan 22, 2020
An Overview of Section 8 Housing Assistance – Benefits.govhttps://www.benefits.gov ›
