PUA – Pandemic Unemployment Assistance. This is subject to change at any time. This information was posted here in April 2020. Unemployment now provides payment to folks not traditionally eligible for unemployment like self employment, independent contractors This is subject to change. It was posted here April 2020. New York State remains on PAUSE through…
STOP JUNK MAIL – To stop junk mail, you can reduce the number of unsolicited credit and insurance offers that you receive via the mail. If you decide that you don’t want to receive pre screened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or…
You or a relative might have unclaimed funds. Lost or unclaimed money gets turned over by organizations required to report dormant accounts to the New York State Office of the State Comptroller. This money includes things like forgotten savings accounts, lost paychecks, and stocks or bonds. Banks, insurance companies, corporations and the courts are among…
CLICK HERE if you are interested in electronically signing the petition discussed below. (At this time, there are already over 25,000 signatures) 🟥 I have recently seen many recent international student graduates solicit their resumes aggressively because they will not be able to stay in the country much longer because their F1/OPT visa does not…
This book discusses how to raise your credit score. It includes new ways that you can increase your credit that previously were not available. For example, rent that you pay and the cell phone bill you pay can count towards increasing your credit score. This is a MUST read because you can increase your score…
Small business owners qualify for chapter 7 bankruptcy. The Coronavirus aftermath is destroying small businesses. The small business debt is typically debt which has been co-signed by the business owner. That makes the owner liable. The creditors will look to collect from the business owners which means dealing with creditors, lawsuits, wage garnishment, judgments, liens,…
Glossary of Credit Terms 2-percent rule A rule of thumb to see if refinancing a mortgage loan is a good financial decision. The rule says you should refinance if you can lower the interest rate on the loan by at least 2 percentage points (for example, to 7% percent from 9%). However, factors such as…
STEPS IN A BANKRUPCY CASE Mandatory Credit Counseling You must obtain a certificate from an approved credit counseling agency before you can file your case. It is expected that this can be done over the internet and will likely cost approximately $35- 45. A copy of any payment plan devised by the counseling service must…
Beware of the ten day rule If you get pulled over for something, and if you mention to the police officer that the address on your driver’s license is NOT your current address, you might get another ticket you didn’t expect. The reason for this is that New York State law (Article 19 section 509-8) requires…
Suppose a NY driver receives a ticket and it results in points against their license. I’ve heard police officers, lawyers, prosecutors, and even judges say that the defensive driving class can be taken to “offset” four points. Web sites offering the class say things like: “reduces up to 4 points on your license.” Therefore, many…
