Friday, March 18, 2011

You Can Qualify for a Checking Account

Cheque sample for a fictional bank in Canada. ...Image via Wikipedia     Are you on a fixed income and find it impossible to handle the fees associated with a checking account.  God forbid you ever accidently bounce a check and then try to recoup your loses.  In reality, you know that if you could actual afford one life would be so much easier.  In some states you can qualify for a checking account if your income is low.  In all states, there is a banking product call second chance banking for those that have a severe blow to their credit.  Life can be unkind to us sometimes and everyone deserves a second chance.  Many people with great credit have been displaced from their jobs, and well you can get behind.  There is no reason this setback should haunt you forever.  It doesn't seem fair that those that are struggling always get charged more fees than those that can afford to pay them.  Let's look at some of the way that you can qualify for a checking account again.
     A Lifeline Checking Account
     Sometimes all you need is just a little help to get back on the right track.  A Lifeline Checking account can help you get there.  They account are great for when funds are tight.  Lifeline Checking accounts often time require a no to low monthly balance and a no to low maintenance fee.  If there is a monthly service fee, then usually the rates are around $3.00 per month.  ATM fees are usually waived with this type of an account.  This ability to open up a Lifeline Checking account is the law in seven states, and the law determines the terms and conditions of these accounts, not the bank.  You have access to these accounts in Illinois, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, and Vermont.  If you don't live in one of these states try to find a bank with free checking.

     A Second Chance Checking Account

     A Second Chance Checking account is basically a second chance at acquiring a checking account for those burdened with a bad banking history.  These banks don't usually run your name through the chexsystem to find out your banking history.  Usually the fees associated with this type of account run around $10.00 a month.  You can get a debit card with your account.  Some will offer checks, but most will not.  This will keep you from writing ones with insufficient funds.  Many times people get a bad banking history due to trying to pay bills and then they try to get the funds into the account before the check hits.  Even though recent federal regulations have put a halt to enormous overdraft fees, you will still incur a charge for insufficient funds.  Not have checks will prevent you from making this mistake.  Here is a free list of banking institutions from every state that offers second chance banking.
Once you establish a good banking history, then you can go back and seek traditional banking products and services.

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Wednesday, February 2, 2011

Take Care of Pets When You are Broke

If you are a pet owner you know how difficult it is to take care of pets when you are broke.  Feeding ourselves and our families is hard enough as it is, much less keeping a roof over everyone's head.  Many of us pet owners know that are animals can be just as precious to us, and we want the best for them, but our families have to come first.  Well it doesn't have to be that way.  Plenty of people get pets when life is going good, and they feel like they can be responsible pet owners.  However, life takes many turns and they can find themselves in a position that they never intended on being in.  How do we get through these trying times and still keep our pets healthy and happy, after all, sometimes they are our best friends.
     I ran across this interesting site based out of Georgia that offers help to the residents there.  They are a food bank organization for animals.  How cool is that!  They also provide a National Listed for other states in which they have found aid.  Here is the link.  I will be searching for other sites in other states and I will add to this post as I find them.
     What about the pets that have medical problems?  Paying for veterinary services can be very expensive.  In searching for some information about this subject, I ran across another list of useful services.  This list even has a list of organizations that we help you with canine specific needs.  I hope this helps you in your quest for finding food and health care for your little friends.  If you know of any other sites that would be helpful to our reader, please list them in the comment box and I will add it to this post.
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Tuesday, February 1, 2011

Find the Help You Missed

TogetherImage via Wikipedia     I thought that my second post of the year should be a review with links to the past posts that provide aid in the event that you have missed anything.  I am hoping sometime this year to be able to make a site map so that you can easily find something specific that just might apply for you.  To recap all of the benefits that are available here is a list for your convenience.  Hopefully, during 2011, I will find many more services that will help you to get by in these hard times.

No One Knows Where I Have Been
Here is a Wonderful Site for People Helping People
A Person with a Heart of Gold
Need a Car, but Can't Afford One
You've got the Car, but Can't Afford the Gas
Phone Service is no Longer a Luxury
Are Heating and Cooling Cost Getting You Down
Are You Finding Yourself Hungry Lately
Help with the Water Bill is Harder to Find
How to Afford a Memorable Christmas - The Ornaments
An Affordable Christmas - The Wrapping Paper
Beautiful Gifts without Sticker Shock
More Inexpensive Christmas Ideas
Fireplace Pleasers without the Price
The After Christmas Sale
A Decade that Changed Us Forever
If You Need Help Now Dial 211
An Abscessed Tooth Can KILL You
Free College Education for Senior Citizens
Could You Use Some Free Surgery or Meds?
Are You Facing Foreclosure
Is Your Birthday Approaching?
Remodel on a Shoestring Budget
Save Money at the Grocery Store!!!
Free Legal Aid is Available
Are You a Single Mom in Need of Help?
Make Some Easy Cash at Home
Scrap Soup:  An Awesome Money Saver
Low Cost to Free Travel Ideas
Free and Addictive Way to Give
Need Some Costly Repairs to Your Home:  Grants Are Available
Adaptive Housing Grants for Veterans
Are You an Unemployed Senior Citizen Who Needs Work
So the Bank Will Not Loan You Money to Finance Your Dream?
How to Get a Free Eye Exam and Glasses
Happy Thanksgiving to You
Articles for You
My Christmas Present to You:  A New Job
Free Tax - Preparation and Assistance for Low-Income, Elderly, and The Military

These articles can direct you to places that really can provide help.  Please look into them and take advantage of them.  I wrote the article about getting help for home repairs and had a family member get over $7,000 dollars in free work from the government that she desperately needed, so I know that help is out there without having to go through all of the red tape.  My Christmas Present to You:  A New Job is a real place were you can write and make money.  You don't have to wait to get lucky and have someone hire you.  If you have got the drive, you can make your own money without having to depend on anyone else ever again.  I am between jobs in the medical field.  I made great money.  It is hard to get a job right now.  Writing online is something that no one can take from me or stop me from doing.  Getting a paycheck from google is a wonderful feeling, a sense of independence, but it requires a lot of typing and research.  Look into these things, they do not cost you a dime.  I have read about a lady that had nothing and used the internet at the public library to learn how and do this.  Where there is a will, there is a way, so don't give up.  May this year be better a better year for us all.

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Sunday, January 9, 2011

Free Tax - Preparation and Assistance for Low-income, Elderly, and The Military

     If you need some free tax help and you are low to moderated income, elderly, disabled, or you are limited in speaking the English language then there is help for you. VITA, the Acronym for volunteer income tax assistance, is an organization that can help you with free preparation of your income tax return.  As far as income limits are the IRS website states an income of $49,000.00 or less, however, VITA's website state that they helped over 3 million taxpayers with incomes less than $22,000.  These volunteers are trained and certified by the IRS.  To find a VITA volunteer in your area click here.
     Another program that offers free tax advice and basic preparation for the elderly focusing on those that are 60 and older is the TCE program.  This program is known as Tax Counseling for the Elderly.  This people are volunteers made up of mostly retired people associated with non-profit organizations that receive grants for this service.  Part of the sponsored program via the IRS, the AARP has several sites set up all over the nation to assist low to moderate income with tax preparation, but their focus is geared toward those 60 and older. To find free tax help and information about the AARP service call 1-888-227-7669 or visit their website.   For more information on TCE call 1-800-829-1040.
     For those in the military and your families there is free tax help available for you as well.  The military has their own division of VITA as well as the Armed Force Tax Council (AFTC).  This counsel handles the tax returns of the Army, Navy, Air Force, Marine Corps, and Coast Guard.  The military can receive free tax preparations within their respective installations.  These agencies know how to handle specific tax issues indigenous to the military.  Find more information about these services here.
     When receiving assistance for free tax preparation, advice, filing or any other service be sure to bring all form of documents with you as you would anytime that you are getting your return filed.  Also, make sure that you have your bank routing number available for electronic direct deposits.  If you know of any other source for free tax assistance, please feel free to drop a line in the comment box below.

P.S.  Learn How to Slash Your Taxes Now!
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