How to Get a Free Roof for Your House?

How to get a free roof for your house? There are many factors that affect our roof of the house, hail, storms, bad weather, etc. The destruction of the roof can cause damage to your wallets also. Fixing your roof is the thing of significant loss of money. If the roof is in poor condition your entire house will be in a vulnerable situation.

According to a Home Advisor, repairing your home nearly takes $ 800 approximately. Moreover, the cost depends on the size of the roof is required. And one cannot help himself in certain conditions to get things done financially. In such a case you can get help from some government grants. This article is about to solve the question; How to get a free roof for your house?

Then as mentioned in the second paragraph, there are some government grants to help you. In case you are financially weak and couldn’t help it. Afterward, you don’t have to worry about that anymore. At last, there are government policies to help you out.

Government Grants

• Weatherization Assistance Program
• Single Family Home Repair Loans and Grants
• The Tribal Energy Program
• The Housing Preservation grants

Weatherization Assistance Program

The Weatherization Assistance Program (WAP) enables low-income families to reduce their energy bills by making them more efficient. Specifically, there are certain terms of this program, these are like:

• Where you apply, you have to be a resident of the same city.
• People who are above the age of 60 are eligible for this program.
• However, families with children are eligible to get help.
• If you receive any Supplemental Income Aid, then you are automatically eligible for this assistance.
• Consequently, to be eligible, you must have some household income.
  

  

How to Apply for Weatherization Assistance Program

• First, determine your eligibility for weatherization service. The eligibility protocol is mentioned just above in the paragraph.
• Second, identify your local weatherization assistance provider. You can get help from the official service provider to apply for this service.
• Third, complete the weatherization application process. You have to provide proof of your income, social security payments, and pay stubs, etc. The information of proof of income is a must. However, provide poverty income guidelines.
• Furthermore, you can prepare yourself for weatherization services.
• Although keep this in mind, the people who are most needy are on the top of this list.

Single Family House Repair Loans and Grants

The single family house repair loans and grants are popularly known as home repair programs. This service grants people loans for home purposes.

How You may use the funds?

• You can use the funds for repairing, modernizing, and improving your home.
• Even you can use it for health and other safety hazards.

How much I can get?

• The maximum loan you can get is $20,000.
• The minimum loan you can get is $7,500.
• Although you can combine both of the grants and make a value up to $27,500.

The terms of the loan

• You have a margin of over 20 years to repay the loan.
• The interest rate for the loan 1% and remain the same. So, it is easy to repay.
• The grants of $7,500 have a lifetime limit.
• However, you must repay the loans and grants if you sell the property in less than 3 years.

The requirements of the program

• A homeowner with very low income
• Permanent resident of the city where you apply for family loans and grants.
• A resident of a rural area.
• Be the age of 62 years or above.
• The owner should be able to repay loans and grants.

The Tribal Energy Program

Tribal communities can accordingly browse potential financial opportunities, find education and training programs, and access technical assistance. the US Tribal Energy Program provides financial and technical assistance that enables the tribes to develop.

Also, work for their evaluation of their renewable energy. However, energy consumption is done through efficiency and weatherization. This program also offers their education and training opportunities. Hence, it is designed for obtaining clean energy technology adoption.

In addition, the Tribal Energy Program promotes tribal energy to foster economic development. This service makes tribal leaders choose energy choices. Enhance human capacity through education. They equally give importance to the financial opportunities through competitive processes, technical assistance of the department, workshops, knowledge building, adding skills, etc.

The Housing Preservation Program

This is a rural agency that works with a broad range of agricultural programs. The department here helps with the development of rural areas. The funds are you can get from the sponsors are combine with many programs. They grant loans to eligible people. And this eligibility is decided for people with low income. HPG funds are received by the sponsors for funds used for grants, loans, household subsidies for recipients, etc.

In addition, the housing property program is the base for landlords, members of a co-operative, homeowners, and low-income housing. The guaranteed mortgages are extended. The District Offices handles the applications and servicing and backups. Besides, the housing program provides counseling to the applicants for better understanding.

 

 

Published by: Somya

How to Open a Bank Account That No Creditor Can Touch?

Can a creditor get into your bank account? How to open a bank account that no creditor can touch? Whether and what a creditor can get access to your bank account. It totally depends on the circumstances. In addition, this condition is also dependent on the state of the law in which you live. For that reason, consult your attorney general.

How a Creditor Gets Access to Your Bank Account?

A creditor needs a court order to get access to your bank account. Without such an order a creditor is not liable to get access to your account. Specifically, a creditor must sue you, take you to court and win the case. In the aftermath of the judgment, the creditor wins the lawsuit.

You don’t have to worry about the creditor get access while the judgment in its favor. Part of this process is, you will be given a court notice and hearing. So, if the creditor sues you, you would know. A creditor cannot have access until that time comes.

If you have federal loans, the federal government does not need to get a judgment against you. Resulting, they cannot get access to your bank account. The government could also get the wage garnishment, social security garnishment, and tax refund to get paid. There may be rare exceptions to this case. That is why it is important to take the advice of your attorney.

Another exception of this case is if you owe money to is the same financial institution where you hold your money. For example, if you have a loan from a particular bank where you at, then the bank can repay the loan from your funds.

Avoiding Frozen Bank Accounts

If you have past due debts, then your creditors can collect the debts directly from your bank account. The creditors can freeze your bank accounts. Even if you able to levy the debts, still you have to suffer some negative consequences.

There are certain steps to be taken to avoid freezing your bank account. And at least make it easy to release funds without any trouble. Here are some ways to avoid freezing your bank account:

Don’t ignore the debt collectors or creditors

First of all, if you don’t want to freeze your bank account, then you must have to take care of the debts. Also, it is known as a bank account levy. If you have a burden of paying debts over your head then set up a payment plan to give yourself time to pay. Federal taxing authorities will work with you on this.

While most creditors file a lawsuit against you before freezing your account. These include government agencies that collect federal and state taxes and other student loans, etc.

Have government assistance funds direct deposited

If an attachment order or garnishment order the bank receives, it must review the account. if the direct deposits into the account include certain government assistance income. It reviews the income such as social security and veteran’s benefits, etc. Other benefits are by this:

•  Supplemental Security Income
• Civil Service Retirement System, and
• Federal railroad retirement, unemployment, and sickness
• Federal Employee Retirement System

If you make a direct deposit then the bank can strictly prohibit you from freezing your account. If you receive any assistance in the form of a check which you then deposit into the account, then there are chances of your account can be frozen. The freezing continues until you prove your right to have the funds released.

Don’t transfer your social security funds to different accounts

There is special protection for Social Security Income. Especially if you have money direct deposited into your account. Social Security Funds provide protection even after the funds are received. If you move or transfer the Social Security Funds into different accounts then it will mix with other money. This mixing of money will lead you to inefficient proof of Social Security Income. However, the burden lies upon you to prove the source of funds. This makes the money hard to decipher, is it really the income of Social Security.

Know your state’s exemptions and use non-exempt funds first

Each state provides a law for certain property or income. Bu which no one can take your rights. Even the rights cannot be taken through creditors too. If you are familiar with your state’s exemptions then you can protect your property very well.

Don’t commingle accounts

You should keep a separate account for funds that qualify for the specific exemption from the attachment. It makes it easy to release the account quickly. And you can show the released account show only funds that qualify for an exemption.

If the funds commingle or mix with money that is not exempt, you will have to trace the deposits to prove to the court that the balance which was actually frozen, came from the exempt funds. This procedure is a lot more complex and time-consuming.

Don’t keep your account in a bank that you owe money to

if you owe money to the bank that holds your savings and falls behind on your payment, the bank has the right to set off the funds in your account against the debt. The bank does not need any kind of court order or judgment to do this thing with your account. Keep in mind you do not need to keep your personal account in the same bank.

Published by: Somya

More than 55 million people own savings bonds. It has been a popular tool for investors. The reason for the popularity, there is a government behind which provides a guaranteed return. According to the Treasury Department, most people possess billions of dollars in savings bonds that haven’t even cashed in. How to Check if Savings Bond Has Been Cashed?

By sources, there are approx $ 16 billion savings bonds that are unclaimed. If you have at least one savings bond and want to check if the savings bond has been cashed or not. This article is for; How to check if savings bond has been cashed?

Visit Treasury Direct

You can check your savings bonds either on the web, postal, or telephone service. You can check this online. Login to treasurydirect.gov, and check out if your bond has been cashed. However, if you don’t have an account then follow these steps:

• Click on the ”Open an Account” option from the same website. This option would be present on the right side.
• In the aftermath following the prompts as shown there.
• Although click on the link ”Check Treasury Hunts”, after logging in.
• Scroll down to the next page, click on the ”Start Search” button.

Enter the Requested Information

You need to provide the Social Security Number (SSN) or the Employer Identification Number (EIN) which is on the bond. Then press the “Search” button. Moreover, you will be taken to the bond details. Otherwise, if that number does not match you will get a message of no found.

You can check if a bond has been cashed or not if you have EIN or SSN. The detailed information can only be known by an owner.

Send an E-mail

The Treasury Department provides you with the section “Write us”. In case you didn’t find your match, this section provides you with written help. If you are sure of having matured savings bond and unable to find it, then this feature is quite a helping. If you are receiving bonds because of death, you will need to provide a death certificate too.

Call Treasury Direct

Another option is to dial a customer service number and complain them a dispute. Then you will need to provide then a serial number of the savings bond. By this route, at the same time, you can also know if your bond has been cashed, lost, or destroyed. However, you can replace the bond or get its cash.

Adding, calling may take a long time sometimes. However, sending an e-mail is the least time-consuming option.

Gather Supportive Information

• While finding your savings bond you will need to provide as much information as possible.
• You can process redeeming with your bond in the aftermath of finding a savings bond.
• Sending a written request of your savings bond is the most effective and quick resulting thing.
• In case your bond has been destroyed, file Form 1048. You can claim for lost, stolen, or destroyed savings bonds here.

The Facts You Have to Know

• Savings bonds have the popular acceptance for the surety of it. You don’t have to worry about the repaid and other things of money.
• The treasury bonds and the savings bonds are interchangeable.
• Savings bonds have a low-interest rate.
• You can save money for up to 20 years. If you are not looking for 20 years of savings, then you can have a series bond.
• If you desire to save money for short period, then saving bonds is not a worthy option for you.
• Series bonds can fluctuate more than savings bonds.
• Also, this bond invests a fixed amount of interest.
• Savings bonds do not add local taxes. This feature is one of the most benefit making things.

Summary

How to check if a savings bond has been cashed? Savings bonds are some most popular ways of investment. The people who are looking for a fixed income source usually go for it. The Treasury Direct provides internal services to redeem your savings bond. There are some effective ways of finding if your bond has been cashed or not. Savings bonds have low-interest rates still they are considered beneficial.

Published by: Somya