Union County Housing Fair – Saturday, July 23, 2011

Although the recession is technically over, the unemployment rate in New Jersey remains high as does the continued fear of home foreclosure. To address the housing crisis issue a number of agencies will be holding a Housing Fair on Saturday, July 23 at Union County College in Elizabeth. Sponsoring organizations include: Union County Foreclosure Task Force, New Jersey Housing & Mortgage Finance Agency (HMFA), Brand New Day, Urban League of Union County, Affordable Housing For Union County, and Faith, Brick & Mortar.

The housing fair will be held on a Saturday in hopes of attracting homeowners, new home buyers, and tenants. Information will be available on foreclosure intervention, foreclosure prevention programs, tenants rights, credit counseling, weatherization programs, homelessness assistance, utility assistance, first time home buyer programs and more. The organizers hope to attract the general public, lenders, realtors, and other community organizations.

The Housing Fair will be held at Union County College – Kellogg Building, 40 West Jersey Street – 5th floor, in Elizabeth, New Jersey from 10AM to 2PM. The flyer recently issued indicates that for further information and to RSVP please contact Jacqueline Jenkins of Brand New Day, Inc. at 908-282-0781, extension 146 or email: jackie.j@bndcdc.org. Feel free to copy or distribute the Union County Housing Fair flyer, either in English or in Spanish.

In preparing this post I surveyed a number of reliable websites on foreclosure information. You may wish to visit these sites:
HUD/NJ Housing & Mortgage Finance Agency list of certified counseling agencies, NJ Judiciary Foreclosure Mediation Program, Legal Services of New Jersey foreclosure page, and HUD’s avoiding foreclosure in New Jersey page.

Please share this information with people who are in need of housing and foreclosure information.

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Thank You Tilman Hausherr

Most of the posts that I write are about social programs or community resources. Today I decided it was time to thank someone for a gift he gave. There is a web developer by the name of Tilman Hausherr who lives in Berlin, Germany. In 1997 he created a freeware program titled Xenu’s Link Sleuth. The program checks for broken web links. I’ve been using it for years to check all the links on my website. So the other day I thought it would be kind to write him a check or send him some cash. Guess what, he doesn’t want payment! He gave a few options instead, so I decided to write this article and thank him.

You can go his website to download the program. It works great, btw. Or you can find it on the CNET download site. Additional information is available in a Wikipedia article.

I don’t know how I would keep my website’s 1800 links up-to-date if it weren’t for Tilman’s free program. Thank you, Tilman.

Pass it forward.

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A Road Less Traveled

A long time ago I learned in geometry the shortest distance between two points is a straight line. A similar rule when taking a car trip is to take the Interstate if you want to get to your destination fast. Sometimes it is more fun to take the road less traveled. A few months ago while visiting our sons in Maryland and Virginia we decided not to take I-95 but instead to go west via I-78 and make a left at Harrisburg and take Route 15 south.

Near Gettysburg, Pennsylvania we came upon a number of what seemed to be handmade road signs advertising handmade pottery and fresh produce. On the return trip back to New Jersey we decided to take this turnoff. We followed the signs, turning onto Route 134 in Gettysburg. To be more precise we took a left onto Taneytown Road. A mile or so down the road we came to our destination, a local pottery shop and community market known as The Lion Potter. The shop is owned by David and Junko Young, an incredible couple.

If you spend enough time at The Lion Potter you will know this is a special place. I can’t explain the place as well as a local news article did so I’ll suggest you read the piece found in the local Emmitsburg News-Journal. We bought a small pitcher and unpasteurized goat’s milk. We will be visiting their shop at 855 Taneytown Road, Gettysburg, PA. on a future trip.

We got a postcard from David and Junko the other day. They are having their 7th annual spring cleaning sale on Saturday and Sunday, May 21 & 22, 2011. Their inventory of plates, bowls, mugs, vases, etc. will be priced at 50% off. Go visit them. Take the turnoff for a road less traveled.

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LIHEAP Season Extended

The state sent out an email recently to announce the deadline for energy assistance applications will be extended through May 2, 2011. The reason for the change is that the normal deadline, April 30th, falls on a Saturday. According to their news release “LIHEAP applications will be accepted until closing of normal business hours on May 2nd. We will continue accepting applications for USF all year long.”

For a list of the local LIHEAP and USF application agencies, income guidelines, and resources for other energy and weatherization programs visit the New Jersey Community Resources website.

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Legal Services To Release Poverty Benchmarks Report – March 22, 2011

Date: Tuesday March 22, 2011
Time: 10:00 am to 1:00 pm
Place: New Jersey State Museum Auditorium, 205 W. State St, Trenton, NJ

Legal Services of New Jersey invites you to the public release of Poverty Benchmarks 2011: Assessing New Jersey’s Progress in Combating Poverty —the fifth annual report in the Poverty Benchmarks series prepared by LSNJ’s Poverty Research Institute.

Attendees will hear about recent trends revealed by data related to poverty and income inadequacy in New Jersey, as well as implications for state action to address existing and anticipated challenges. The release will feature presentation of report highlights, followed by panel discussions and Q&A. More details about the event, including directions and parking information, will be sent next week. Feel free to share the attached Poverty Benchmarks 2011 flyer with other interested parties.

The Poverty Benchmarks Project is an on-going data collection effort that aims to increase understanding of poverty in New Jersey as a foundation for more effective public response to the reality of poverty and its consequences. This report is the fifth in the annual series and updates key poverty trends and attendant policy implications.

Please RSVP by e-mail: PRI@lsnj.org. For more information contact Zane Kratzer (x8502) or Shivi Prasad (x8218) at (732) 572-9100.

Source: recent email from LSNJ

P.S. LSNJ has since released online Poverty Benchmarks 2011: Assessing New Jersey’s Progress in Combating Poverty. Those interested in reading some of the 172 page report can view it online at http://www.lsnj.org/PDFs/budget/Benchmarks2011.pdf .

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Tax Benefit For Commuters Extended

The following article appears in NJ Transit’s FYI Customer Update, February 2011:

Congress has continued the $230 monthly pre-tax commuter transit benefit allowance through Dec. 31, 2011.

Under the American Recovery and Reinvestment Act, the pre-tax payroll deduction limit for transit was increased to $230 per month on March 1, 2009, while maintaining the existing $230 limit for parking expenses.

Through commuter tax benefits, employees save on income taxes when they use pre-tax salary toward their mass transit commute and/or qualifying parking benefit. Employers also save on payroll taxes for each participating employee by lowering payroll costs. To find out how you can participate, visit www.njtransit.com/taxbenefits.

The extension of the commuter tax benefit was part of the Middle Class Tax Relief Act of 2010 passed by Congress on December 16, 2010.

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LIHEAP Action Day – February 9, 2011

Today is LIHEAP Action Day. Join with others to press Congress for at least $5.1 billion in federal funding for the Low Income Home Energy Assistance Program (LIHEAP) for Fiscal Year 2012. For a list of local energy assistance organizations and fuel funds visit NJ Community Resources list of energy organizations. You may also wish to make a contribution to New Jersey’s fuel fund – New Jersey SHARES. See their website for details.

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EITC Awareness Day – January 28, 2011

Earned Income Tax Credit Can Put Money in Your Pocket

You could be eligible to get more money back from the IRS – as much as $5,666.

If you earned less than $48,362 from wages, self-employment or farming last year, you may qualify for a refundable tax credit called the Earned Income Tax Credit, or EITC. But you must file a federal income tax return claiming the credit to get it.

EITC can be a big financial boost for working people hit by hard economic times. Many individuals who saw their incomes drop in 2010 may qualify for the first time.

The credit has been making the lives of workers a little easier for more than 35 years. Yet it remains little known, possibly because people move into and out of eligibility as their financial, marital and parental statuses change. IRS estimates four of five eligible people claim and get their EITC.

Unlike other tax credits, both EITC eligibility and the amount of the credit is based on several factors such as the source and amount of your income, or combined incomes if married, whether you have qualifying children and how many. Workers without children also may qualify.

The amount of the credit peaks then phases out at certain income limitations depending on filing status and other factors. You may qualify for EITC even if you had no federal tax withheld or are not otherwise required to file.

The credit is complex, but worth exploring. It’s even more valuable if your state has a corresponding tax credit. (New Jersey does have their own.)

The online EITC Assistant at www.irs.gov/eitc can help determine your eligibility and estimate the amount of your credit. Free help preparing your return and claiming EITC is available at volunteer income tax assistance sites and IRS Taxpayer Assistance Centers. To locate a volunteer site, call your community’s 211 or 311 number for local services or call the IRS at 1-800-906-9887. Find an IRS Taxpayer Assistance Center in the blue pages of your telephone directory.

Remember: if you are eligible, you must file a federal income tax return, even if you are not otherwise required to file, and you must specifically claim the credit to get it. Find more information about EITC at www.irs.gov or in your tax software package.

According to the IRS, rural and non-traditional families — such as grandparents raising grandchildren — childless workers, and non-English speaking taxpayers are among those who most frequently overlook the credit.

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AARP Tax-Aide

The following bulletin was issued by the AARP Foundation, located in Washington, D.C. The service performed by AARP compliments the work of VITA sites (Volunteer Income Tax Assistance) and IRS’ Earned Income Tax Credit (EITC).

AARP Tax-Aide is the nation’s largest free, volunteer-run tax assistance and preparation service. It is available to taxpayers with low- and moderate-income, with special attention to those age 60 and older. Last year AARP Tax-Aide served 2.5 million taxpayers at 6,500 sites across the country. The sites are located in libraries, community centers, senior centers, and other convenient locations and are open in 2011 from approximately late January/early February to mid-April. The filing deadline in 2011 is April 18.

AARP Tax-Aide provides this free service regardless of age or AARP membership. Volunteers are trained to assist in filing the 1040 tax form and Schedules A, B, C-EZ, D, and EIC. Taxpayers with complex tax returns are advised to seek paid tax assistance. AARP Tax-Aide, a program of AARP Foundation, has been providing a valuable service to taxpayers in communities across the country for over 42 years.

Finding or referring people, to a nearby AARP Tax-Aide site is easy and quick to do. You can either refer people directly to the web site or to a toll free number. Assistance can be located by:

1) Calling 888-227-7669. The toll free site locator number is very easy to use. A caller is asked to enter their zip code either by voice or manually entering it with their phone. They are then given all of the information on the nearest site. They are also given an option for additional sites.

2) Go directly to the AARP web site which allows you to search for the caller by their zip code if they do not have internet access or don’t want to use the web site themselves. Simply go to http://www.aarp.org/applications/VMISLocator/searchTaxAideLocations.action.

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Energy Tips: How To Navigate The System To Get Help

It seems this will be a hard winter. Unemployment still high, colder than average temperatures in the state, delayed energy funding etc etc etc. If you work in a social service agency and need to provide the public with helpful information then read the tips below. It may help your client navigate the system a little easier.

If you have applied for LIHEAP and/or USF via your local intake agency and your case is still pending, you can obtain quick information on the status of your case by calling the LIHEAP/USF Hotline at 800-510-3102. They are open from Monday through Saturday from 8am to 5pm. Yes, even Saturday. You do not have to call the agency that is processing your application to get up-to-date information. In fact, by calling the hotline you free up the local agency to process applications rather than answering phone inquires.

If you receive a Universal Service Fund (USF) credit but you move, you should call the utility company and tell them you want to have your USF transferred to your new address. They will then recalculate your energy usage and have the state make a determination as how much of a credit you may be eligible for at the new address. USF benefits won’t automatically follow you to your new address. As a USF customer you have to call them and ask to have your USF credit transferred. This feature of the USF is called Portability.

Case Name vs. Customer Name. Some customers when shutoff resort to having the service turned on in another person’s name – friend, family member, etc. However, doing so eliminates the likelihood of getting assistance from either welfare or through the Universal Service Fund program. If you have a bill problem seek help. Don’t compound the problem.

When you are talking to a customer service representative at a utility company, remember to write down the name of the person you spoke to. Often they will type notes into their computer system but not always. You should write down what was said and who you spoke to. The same holds true when calling a social service agency.

The Winter Termination Program (WTP) protects certain households against a utility shutoff during the winter. The Board of Public Utilities (BPU) – www.bpu.state.nj.us – advises the following, “Those enrolled in specific programs (such as SSI, Temporary Assistance to Needy Families, USF and Lifeline) are protected by WTP, and an additional “catch-all” category is included for people unable to pay their utility bills because of circumstances beyond their control such as unemployment or illness.” This is found on the BPU website at www.bpu.state.nj.us/bpu/assistance/programs/. A full list of the protected categories under the WTP can be found at www.njcommunityresources.info/wtp.html.

It is the customer’s responsibility to let the utility company know they are WTP protected.

“Circumstances beyond their control” is a key phrase which could help thousands prevent a shutoff, if you know your rights as a utility customer or read the bill message insert when you get a shutoff notice. You can request protection under the WTP by calling the utility company or if that fails by calling the BPU Customer Assistance hotline at 800-624-0241.

A bill will be estimated if the utility is unable to get a true reading. If your bill has been estimated for more than one month it is in your best interest to read the meter and call it in or to arrange for meter reader access. Most utility company websites have information about how to read the meter. Look at your bill to know when the next reading will occur. It is difficult to make an arrangement on a back bill if it has been estimated for a number of months.

Bill assistance is not the only answer. Energy conservation will reduce consumption and lower your monthly bill. A few websites and programs to inquire about include:

Weatherization Assistance Program. A downloadable list is available at www.state.nj.us/dca/divisions/dhcr/forms/docs/wealist.doc or telephone 866-551-7165. It is available to households earning less than 200% of the Federal Poverty Index.

Comfort Partners. Visit www.njcleanenergy.com/residential/programs/comfort-partners/comfort-partners or telephone 888-773-8326.

Energy Savers Booklet published by the U.S. Department of Energy is available online at www.energysavers.gov/pdfs/energy_savers.pdf.

Many utility company websites – see www.njcommunityresources.info/nj.html#utilities – provide information if you search under ‘energy conservation’ or ‘weatherization’.

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