Personal Finance

Monthly cash benefit programs like Social Security provide an important economic safety net for many Americans. Understanding disability benefits programs and rules does not have to be complicated.

Visit http://www.GovBenefits.gov for information about more than 1,000 benefit and assistance programs, including many that can benefit people with disabilities.

Reverse mortgages are becoming popular in America. Reverse mortgages are a special type of home loan that lets a homeowner convert the equity in his/her home into cash. They can give older Americans greater financial security to supplement social security, meet unexpected medical expenses, make home improvements, and more.

If you are interested in a reverse mortgage, beware of scam artists that charge thousands of dollars for information that is free from HUD!

Learn About Making Home Affordable

Refinancing: Many homeowners pay their mortgages on time but are not able to refinance to take advantage of today’s lower mortgage rates perhaps due to a decrease in the value of their home.

Modification: Many homeowners are struggling to make their monthly mortgage payments perhaps because their interest rate has increased or they have less income.

Information on issues surrounding senior nutrition (food stamps, other federal nutrition programs, etc.).

GovBenefits.gov is the official benefits website of the U.S. government, with information on over 1,000 benefit and assistance programs.

The Earned Income Tax Credit or the EITC is a refundable federal income tax credit for low to moderate income working individuals and families. Congress originally approved the tax credit legislation in 1975 in part to offset the burden of social security taxes and to provide an incentive to work. When the EITC exceeds the amount of taxes owed, it results in a tax refund to those who claim and qualify for the credit.

To qualify, taxpayers must meet certain requirements and file a tax return, even if they did not earn enough money to have a filing requirement.

More and more parents are finding themselves raising grandchildren. Social Security will pay benefits to grandchildren if benefits are not payable on the work record of a parent.

Official website of the U.S. Social Security Administration.

Whether you're in foreclosure now or worried
about it in the future, we have information that can help.

Reverse mortgages are becoming popular in America. Reverse mortgages are a special type of home loan that lets a homeowner convert the equity in his/her home into cash. They can give older Americans greater financial security to supplement social security, meet unexpected medical expenses, make home improvements, and more.