Saturday, May 2, 2015

Getting Assistance for the Donut Hole in Prescription Drugs

A big worry for people who are covered by part D prescription coverage is the dreaded donut hole--the part after initial coverage, that drops coverage, before the cost is covered again. Is there any assistance available for this cost? Sometimes, in some circumstances, there is.

By 2020, the Affordable Health Care Act will gradually erase the donut hole. Until then, some patient assistance programs set up by drugmakers to help uninsured and underinsured people will help with the donut hole. RxAssist has a page devoted to specific drug manufacturers and the drugs for which they will prove donut hole assistance.

The Patient Advocates Foundation also has a copay assistance fund for several potentially catastrophic illnesses. Check this list and see if you qualify, and apply online.

Thursday, April 9, 2015

Historic Home Preservation Loans in Toledo, Cleveland Dirt Cheap

The Lucas County Land Bank, created to keep neighborhoods from sinking under the weight of delinquent and abandoned properties, has grown and flourished. Current programs include grants for new roofs for low-income homeowners (only through June 2015), chance to get side lots, land for gardens, and their newest cool thing.
The Heritage Home Program gives low-cost loans to homeowners with historic homes to restore their homes along historically appropriate lines. That means no aluminum siding and other stuff that messes up historic authenticity, but free consultation with experts, recommendations to qualified contractors, and loans as low as 3.5%.
In Cleveland, the Heritage Home Program offers similar help to owners of historic residences in the metropolitan Cleveland area. They offer help with consultants, low-cost loans, and even purchasing. If you love historic homes in these two towns, they awe worth a look.  If you live elsewhere, contact your local preservation society to find out if there is a similar organization near you.

Tuesday, March 10, 2015

Gowns for Stillborn and Other Infant Burial, and How Toledoans Can Help

Awhile back, we wrote about an organization, Heavenly Angels in Need, that made gowns for the burial of infants.  Just today, an article appeared in the Toledo Blade about a Toledo area organization, Gabriel's Gowns, that also creates infant shrouds from donated wedding dresses and donates them to local health organizations for the parents of stillborn children and infants who die shortly after birth. Toledoans who wish to donate their wedding gowns can drop them off at March of Dimes offices located at 3450 W, Central Ave. Suite 352 in Toledo Ohio.
Drop off times are Tuesdays from 1-6, and Thursdays from 8-12, or call them at 567-298-4825 to make an appointment.You can also see the website if you wish to volunteer to sew gowns.
For more sources of help when losing an infant, see this site.

Friday, February 20, 2015

Save Through a Credit Union, Hit the Lottery

While everybody who can count on their fingers knows that saving is a surer road to money than playing the lottery, the lure of the big score makes lotteries fat and savings slim. Often, savings institutions and their fees make savings an unattractive idea. But some credit unions in four states--Michigan, Nebraska, North Carolina and Washington--are offering savers in their credit unions the chance to have their savings cake, and eat some lottery winnings.
Here's how it works: if you start an account, you get a chance to win a lottery held at least once a year. The more you save, the more chances you get to win. You. get another "ticket" with each $25 in savings. So the more you save, the better your chances of winning.
Where are these.credit unions? Right now, they are in those four states and can be found in this directory. But there may be more in the future, since federal laws are allowing more states to create laws that enable "save to win" accounts. See if a nearby credit union offers this option.

Wednesday, February 11, 2015

Interest Free Loans to Fix Homes in Detroit

Fixing up your Detroit home just got easier. In the state of the city address, Mayor Duggan announced a program to give zero interest loans to Detroit homeowners who have owned their homes at least six months before applying. Low income homeowners are qualified within any area in the city. Within certain qualifying areas, all homeowners may qualify.
 
However, you must have a minimum credit score of 560. If you don't, you can get credit counseling to help improve your credit. The loans are between $5000 and $25000. The loans concentrate on health and safety improvements.
Applications will be available in March, online or at the city's recreation centers, neighborhood intake centers, and neighborhood district manager's offices. For more information, call the Detroit Planning and Development Center at 313) 224-2560.

Monday, February 2, 2015

Get Free Help Filling Out FAFSA Forms

This coming Sunday, there will be free help to students around the country in filling out the federal student aid forms (FAFSA). College Goal Sunday will be observed this year on February 8th at locations all around the country. Find the place closest to you and contact them about getting assistance on the 8th.
 
Even if you can't get there Sunday, the College Goal page is a great source of information. For instance, did you know that you can apply for FAFSA even if your parents are undocumented? Or the newest online practice sheet? The blog page is a cornucopia of goodies for families and students.
 
And while you're at it, check out this listing of state student financial aid. Many states have financial aid unique to their students.

Monday, January 19, 2015

Now's the Time for Free Tax Preparation

The new tax season is the time for tax prep, and for low and moderate income taxpayers, free tax preparation is available. Finding out where is as easy as dialing 1-800-906-9887, or seeing this website and putting in your zip code. They are best able to tell you if you are due an earned income credit (or working, low income people), or how the new health care law affects your return.

This site has a list of what to bring so that your preparer can work on the forms. And while you won't get an instant tax refund, you won't lose a chunk of it to the preparer, like you will if your taxes
are prepared at an "instant tax return" place. Check out this video that explains the trouble of these instant return places--you lose a piece of your returns before you even get it.

In the Toledo area, getting an appointment with a tax preparer is as easy as dialing 211. If you have a household income of less than $53,000 give them a call.