About Priority Tax Relief and Our Tax Services by Experienced Tax Attorneys – Tax Attorneys Will Help You Settle Your Tax Problems – Priority Tax Relief #priority #tax #relief, #priority #tax, #tax #relief, #tax #releif, #priority, #tax, #services, #tax #problem, #tax #relief, #taxes #relief, #tax #settlement, #offer #in #compromise, #tax #help, #free #consultation, #free, #tax #relief, #irs #representation, #internal #revenue #service, #help, #payroll #taxes, #penalties, #irs, #settle, #cpa, #levy, #irs #collection, #debts, #relief, #seizures, #irs #tax,offer #in #compromise, #tax #resolution, #irs #problem, #levy, #law, #abatement, #federal, #settlement, #mediation, #problems, #liens, #professionals, #audits, #tax #attorny, #tax #attorney


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About Priority Tax Relief

Priority Tax Relief is dedicated to helping taxpayers in their time of crisis. We are a team of highly qualified Tax Attorneys, Tax Negotiators, Certified Public Accountants and Associates who are here to help you find the best solution available, to resolve your tax problems quickly and efficiently. We recognize this is a difficult time for you and you are looking for help.

Our Tax Professionals have years of experience successfully negotiating thousands of cases. Our team of Tax Relief Expert Advisors are highly trained and will be able to assist you in determining the best course of action to resolve your tax issues. Whether it’s about tax levies, wage garnishments, bank attachments, offers in compromise, innocent spouse or other tax related issues, we can help and answer your questions. Unlike many other tax relief companies, we follow-up and keep you informed every step of the way until your case is resolved. Priority Tax Relief offers an ongoing Client Support Line. Any questions or requests for case updates are answered directly by one of our qualified consultants.

We will evaluate your situation and explain your options. Our services include but are not limited to: Bank Levy and Wage Levy Garnishment Releases, I.R.S. Collections, IRS Audits, Liens Seizures, Delinquent Tax Returns, Offers in Compromise, Employment Tax Issues, Trust Fund Penalty Problems, Employee Plans, International Tax Issues, Criminal Tax Issues, Sales and Use Taxes, and other State Tax Issues.

Call us now for your FREE Confidential Consultation 888-776-7770.

– Do you have unfiled or unpaid back taxes? – Has the IRS garnished your wages, seized your property or bank account? – Are you afraid to put money in the bank, get a job, start a business or buy a home because you know the IRS will get you? – Have you already made an agreement with the IRS without talking to a lawyer?

Do you have any tax issue and haven’t talked to an Experienced Tax Attorney?

If so, take action right now! Priority Tax Relief will stop the IRS in their tracks! Our professional staff of Tax Attorneys, IRS Licensed Enrolled Agents, and Tax Analysts will provide you with the representation that you need and deserve. With over 40 years of combined experience, our tax professionals will find the solution that is right for you.

Once you become a client, Priority Tax Relief will communicate and correspond directly with the IRS and the State on your behalf. You will no longer have to speak to or communicate with any tax agency regarding your tax debt.

The Tax Attorneys at Priority Tax Relief will find the best solution to your IRS or State Tax Problem. All you have to do is decide that you are sick and tired of tax problems and want to get back to living a normal life.

Call Right Now to Receive a FREE Personal, Confidential and
Professional Tax Consultation. 1-888-776-7770


Sheriff Joe Arpaio Criminal Defense Trial Begins in Phoenix #joe #arpaio, #jack #macintyre, #judge #murray #snow, #maricopa #county #sheriff #s #office, #federal #trial


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Defense Subpoenas Jeff Sessions as First Day of Arpaio Trial Comes to a Close

The trial of former Maricopa County Sheriff Joe Arpaio began today in U.S. District Court with sharply contrasting arguments over whether “America’s Toughest Sheriff” deliberately violated a court order to end discriminatory enforcement.

The first day ended with the defense team announcing that it had subpoenaed U.S. Attorney General Jeff Sessions. The Department of Justice has filed a motion to quash.

In a 16-minute opening statement for the bench trial, federal authorities said Arpaio knew he was ordered to cease enforcing federal immigration law, ignored the order, then bragged to the press about it.

Arpaio’s attorney forcefully countered in a 20-minute opener that the sheriff only enforced the law.

Arpaio, in a dark suit, sat stoically throughout the proceedings. Sometimes he rested his chin in his palm. Other times, he leaned forward, listening intently and taking careful notes.

The gallery, mostly filled by supporters and critics of the controversial seven-term sheriff, were rapt by the testimony.

Related Stories

Arpaio Begs for Money While His Lawyers Make Bank in Melendres

The government has charged Arpaio with criminal contempt of court. If convicted, he could face six months behind bars. The charges stem from the original Melendres vs. Arpaio racial profiling lawsuit.

Prosecutor Victor Salgado made the government’s case.

“He wore his defiance for political gain,” Salgado said. “He of all people knows that when the court speaks, you listen.”

Salgado described the court order by U.S. District Judge Murray Snow as “clear, precise, and definite.”

But Dennis Wilenchik, defending Arpaio, said, “You can ram a truck through those words.”

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“They can dress it up any way they want, but that’s not what this case is about,” Wilenchik argued.

Wilenchik noted the U.S. Supreme Court ruled in a related civil suit that Arpaio’s cooperation with the federal government was “constitutional, absolutely constitutional.”

The defense attorney called the case against Arpaio “shameful and outrageous,” and said Arpaio was the only one “to get it right.”

The trial began with the news of the death of Jack MacIntyre, a key Arpaio associate who took the fall for evidence destroyed in the original civil rights case. Whether MacIntyre’s deposition will be allowed was debated.

The morning ended with stop-start testimony from Timothy Casey, Arpaio’s attorney in the civil rights lawsuit.

Through dozens of objections, many sustained by a visibly frustrated Judge Susan Bolton, the government established that Casey met repeatedly over two years with Arpaio and advised him about the injunction.

Wilenchik argued that Casey “dropped the ball and threw the sheriff under the bus,” adding that such conversations never existed.

Casey’s testimony continues this afternoon.

Dark Cloud of Alleged Sex Abuse Continues to Follow Former Phoenix Bishop O’Brien

Sean is a freelance reporter with a 30-year career in print news. He was an investigative reporter at The Arizona Republic and the Oakland Tribune. He won a Sigma Delta Chi award for investigative reporting. He’s covered transportation, terrorism, the border, disasters, child welfare, courts, and breaking news.

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Best Interest Rate on Senior Citizens Bank Fixed Deposits- May 2017 #fd #rates #for #senior #citizens,senior #citizens,fixed #deposit #rates #for #senior #citizens,allahabad #bank #fd #rate,andhra #bank #fd #rate,axis #bank #fd #rate,bandhan #bank #fd #rate,bank #of #baroda #fd #rate,bank #of #india #fd #rate,bank #of #maharashtra #fd #rate,canara #bank #fd #rate,catholic #syrian #bank #fd #rate,central #bank #of #india #fd #rate,city #union #bank #fd #rate,corporation #bank #fd #rate,dcb #bank #fd #rate,dena #bank #fd #rate,dhanalakshmi #bank #fd #rate,federal #bank #fd #rate,hdfc #bank #fd #rate,icici #bank #fd #rate,idbi #bank #fd #rate,idfc #bank #fd #rate,indian #bank #fd #rate,indian #overseas #bank #fd #rate,indus #ind #bank #fd #rate,j #k #bank #fd #rate,karnataka #bank #fd #rate,karur #vysya #bank #fd #rate,kotak #mahindra #bank #fd #rate,lakshmi #vilas #bank #fd #rate,oriental #bank #of #commerce #fd #rate,post #office #5 #year #rd #fd #rate,punjab #and #sind #bank #fd #rate,punjab #national #bank #fd #rate,repco #bank #fd #rate,south #indian #bank #fd #rate,state #bank #of #bikaner #and #jaipur #fd #rate,state #bank #of #hyderabad #fd #rate,state #bank #of #india #fd #rate,state #bank #of #mysore #fd #rate,state #bank #of #patiala #fd #rate,state #bank #of #travancore #fd #rate,syndicate #bank #fd #rate,tamilnad #mercantile #bank #ltd #fd #rate,the #ratnakar #bank #fd #rate,uco #bank #fd #rate,union #bank #of #india #fd #rate,united #bank #of #india #fd #rate,vijaya #bank #fd #rate,yes #bank #fd #rate,citibank #fd #rate,deutsche #bank #fd #rate,standard #charted #bank #fd #rate,,j #k #bank #fd #rate,allahabad #bank,andhra #bank,axis #bank,bank #of #baroda,bank #of #india,bank #of #maharashtra,canara #bank,catholic #syrian #bank,central #bank #of #india,city #union #bank,corporation #bank,dcb #bank,dena #bank,dhanalakshmi #bank,federal #bank,hdfc #bank,icici #bank,idbi #bank,indian #bank,indian #overseas #bank,indus #ind #bank,ing #vysya #bank,j #k #bank,karnataka #bank,karur #vysya #bank,kotak #mahindra #bank,lakshmi #vilas #bank,oriental #bank #of #commerce,punjab #and #sind #bank,punjab #national #bank,south #indian #bank,state #bank #of #bikaner #and #jaipur,state #bank #of #hyderabad,state #bank #of #india,state #bank #of #patiala,state #bank #of #travancore,syndicate #bank,tamilnad #mercantile #bank #ltd,the #ratnakar #bank,uco #bank,union #bank #of #india,united #bank #of #india,vijaya #bank,yes #bank,bank #fd,fixed #deposit,fixed #income,investment #plan


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Best Interest Rate on Senior Citizens Bank Fixed Deposits May 2017

Highest Interest Rate on Bank Fixed Deposits for Senior Citizens May 2017

The post lists down the rate of interest on Bank fixed deposits for Senior Citizens as of May 1, 2017.

You might want to bookmark this page as the FD interest rates would be updated every month. Would help you in better decision making.

Fixed Deposit Highlights:

  • Most banks offer FDs for tenure of 7 Days to 10 Years.
  • The Ratnakar Bank IDBI Bank do offer fixed deposits up to 20 years too .
  • For very short Term Deposits the interest rate is similar to that of Savings Account and so you should not worry about FD. Also Interest up to Rs 10,000 in Saving Account is Tax free .
  • Most banks compound interest quarterly
  • Banks offer Loan/Overdraft against the amount available in Fixed Deposit. The interest is generally 0.5% to 1% more than that offered to FD.
  • TDS (Tax deduction at source) at the rate of 10% is deducted, if the interest income is more than Rs 10,000 in financial year per bank. You can fill Form15G/H
  • You can fill Form15G/H if you want to avoid TDS .
  • There might be penalty for pre-mature withdrawal of Fixed Deposits

Fixed Deposit Interest Rates:

The highest interest rate is offered by The Repco Bank at 8.50% for 1 to 2 years Fixed Deposit.

For comparing the best interest rates on fixed deposits over different duration of investment, we have it divided into following 5 slabs:

  • FD for Less than 1 Year
  • FD for 1 to 2 years
  • FD for 2 to 5 Years
  • FD for 5 to 10 years
  • FD for More than 10 years

We show the highest interest rates on fixed deposits for the above duration buckets. We have also compared the best interest rates on offer by that being offered by State Bank of India (SBI), ICICI Bank and Post Offices.

Interest Rate (Senior Citizens) for FD Less than 1 Year:

The highest interest rate is offered by The Ratnakar Bank (241 days to 364 days) at 7.75% .

Shankar Iyer says:

I suppose there has to be an extensive study before stats are pur out esp. with reference to Ratnakar Bank. If you could check Varacha Bank, Surat Peoples Bank, Sutex Bank, Sarvoday Coop Bank ( all coop banks in Surrat) whose financials are available and NPAs are available for view. These give better returns than Ratnakar. Also, see Gujarat Rajya Karmachari Coop Bank. Investments upto Rs. 1 lac is insured. Also, the investor needs to be educated on the maneouveing of applicant names while opening accounts with coop banks, so that only the benefit of sr citizen is obtained, but the deposits are also insured.

I agree with your views and you can use various combinations of names of account holders to get benefit of deposit insurance. Historically co-operative banks have been riskier and so they offer higher interest rate. Also claiming insurance in case of default is not easy and it may take time. So it s individuals call weather to take risk for slightly higher interest rates.

Your Opinion Matters – Please Share below. Cancel reply


Drunk driving dui #dane #county, #wi,owi, #dui, #dwi, #dwi, #dui, #drunk #driving, #procedure, #owi #treatment #court, #dui, #wisconsin, #madison, #criminal #defense, #lawyer, #dane #county, #attorney, #attorney #at #law, #lawyers, #defense #lawyer, #defense #lawyers, #criminal #lawyers, #trial #lawyers, #lawyers #directory, #find #lawyers, #trial #lawyer, #criminal #defense #lawyer, #criminal #defense #lawyers, #wisconsin #lawyer, #wisconsin #attorney, #wisconsin #lawyers, #wisconsin #law, #lawyer #directories, #defense #attorney, #defense #attorneys, #criminal #attorneys, #criminal #defense #attorney, #lawyer #wisconsin, #madison #wisconsin #lawyers, #wi #lawyer, #lawyer #in #wisconsin, #attorney #in #wisconsin, #law #firms, #dodge, #iowa, #jefferson, #columbia, #sauk, #richland, #marquette, #fond #du #lac, #grant, #monroe, #adams, #green #lake, #green, #sauk #city, #beloit, #janesville, #middleton, #portage, #baraboo, #wisconsin #dells, #ft. #atkinson, #juneau, #dodgeville, #cambridge, #cottage #grove, #law #firm, #attorney, #lawyer, #criminal #defense, #traffic, #litigation, #appeals, #state, #federal #court, #sparta, #drunk #driving, #owi, #dui, #vehicular, #operating #after #revocation, #experience, #experienced, #trial #lawyer


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This page is about the counting of alcohol offenses in Wisconsin when charging OWI / DUI / DWI cases. If you are looking for information about the DUI / OWI Treatment Court in Dane County, or court process for criminal DUI / OWI cases in Dane County you should go to those pages instead.

DUI / OWI (Drunk Driving) Math inWisconsin

Criminal Cases that depend on how you count

In Wisconsin all drunk driving charges after the first one are criminal charges handled in Circuit Court. First offense cases are not charged as crimes unless there is a minor in the car or there is an injury. Both criminal and civil drunk driving charges can have profound consequences. This page is about what counts and does not count as a prior conviction. It may surprise you.

Which things are counted as prior offenses is listed, confusingly, in Sec. 343.307, Wisconsin Statutes. Penalties (and classification as non-criminal/misdemeanor/felony) is determined by the penalty provisions in Sec. 346.65, Wisconsin Statutes .

Further, the timing and sequence of arrests and convictions can matter.

Civil Cases – First Offense

First Offense OWI / DUI is not treated as a crime in Wisconsin unless there is a child in the vehicle or someone is injured. That does not mean it is treated lightly. First offense OWI / DUI in Wisconsin often results in more significant penalties than in other states that treat this as a crime. However, the procedures are a little different in non-criminal cases and many different courts can hear such cases. If you have never been arrested or cited or in court for an OWI / DUI / Drunk Driving you are treated as a first offender. Except if as an underage drinker you were convicted of an absolute sobriety violation in another state that will count as a prior conviction.

Any one incident more than ten years ago will not count, but more than one will count. That is if a driver had one prior in May of 1989 a charge in June of 1999 (or 2010) counted as first offense. However if the driver had the May 1989 and the June 1999 offenses (both treated as first offenses) and then another in 2010, the 2010 charge would not be a first offense or second offense but a criminal third offense for court purposes. Again, you can have two first offenses more than ten years apart but not three. The look-back period for a any offense after the second is January 1, 1989. The look-back period to determine if a second actual offense is charged as a second offense is ten years, date of offense to date of offense.

No offenses before January 1, 1989 are counted.

Out of State Charges Are Different – Usually in a bad way!

The following are counted as prior convictions in Wisconsin when they occurred in a different state – even if they would not count in the original state:

  1. Refusing to take a chemical test
  2. A deferred prosecution for OWI / DUI / Drunk Driving / Drugged Driving that did not result in a conviction
  3. Operating as an underage drinker you were convicted of an absolute sobriety violation (would not count if in Wisconsin)
  4. A conviction for OWI / DUI / Drunk Driving / Drugged Driving

Some offenses in or out of Wisconsin are not counted!

Some prior convictions are not counted if proper procedures were not followed. This is a complex determination and requires analysis of all relevant records by an experienced attorney. For instance in one of the cases handled by our office a case originally charged as a third offense was properly revised to be a first offense.

Examples of counting

Example 1 – 3rd offense following two first offenses

Fifth Offense – Felony

Note, this is the same as example 6 except for the date of the second offense and conviction. The fourth offense conviction (third charged) was within 5 years of the second offense and the offense was within 5 years following the second offense conviction. The fourth charge was counted as a third because at the date of conviction there were only two earlier convictions. The third charge was counted as a fourth because at the date of conviction there were three convictions counted.

Example 8 – Out-of-state deferral without conviction

Note: State v. Carter . 2010 WI 132 (Dec. 2, 2010) decided saying that the Illinois absolute sobriety suspension counts as a prior offense. This does not necessarily apply to all out-of-state absolute sobriety convictions. Read the case!

IID Requirement (Ignition Interlock Device) – one more wrinkle on counting

Repeat Offenses

An IID is required for all second or subsequent offenses, even if the offense would be counted as a first offense for other penalty purposes. Village of Grafton v. Seatz . 2014 WI App 23 (Jan. 29, 2014). But, see DMV OWI Penalty Chart .

This is true even if none of the offenses involved alcohol. (No one ever said that the laws had to make sense.)

More Serious First Offenses

If there is an alcohol level of .15 or higher (at the time of the offense). Note: The alcohol reading on the evidentiary breath test may be higher than the alcohol level was at the time of the offense! Also, these machines are not calibrated to measure at the .15 level. Talk to a drunk driving defense lawyer!

If there was an unlawful refusal to take an evidentiary test that is specified in the Wisconsin Implied Consent law.

Can last longer than the revocation even if ordered for the same length of time – usually will last longer!

If an 18-month revocation period and an 18-month IID requirement are both imposed, do they end at the same time? Usually not. The revocation period gives credit for any period of administrative suspension (up to six months). In addition, the revocation period runs out once the time is up. The IID requirement does not start running until the driver has a license (occupational or regular).

Applies to all cars owned or driven, whether or not an owned car can even run!

If the DMV has record of the driver owning a vehicle, even if it has been junked or is undrivable, the driver will be required by the DMV to install an IID in it unless the vehicle is exempted by the Court.

Warning – Use at your own risk.

This page is not intended to be legal advice or substitute for legal advice. It is intended to provide general information. Legal advice can only be given with a full understanding of the actual facts of a case, generally in a face-to-face consultation. Note that there are exceptions to many of the statements made on this page. No one should act or refrain from acting based on anything stated in this web page. My office does not give legal advice to non-clients over the phone or internet. Further, the law (and procedures) in drunk driving cases are changing rapidly. This page reflects procedures in place in Wisconsin on January 1, 2014. In this session of the legislature, the Assembly has passed bills that would change many things stated on this page; those changes have not been adopted by the Senate, yet.

DUI / OWI Wisconsin – How this office approaches DUI / OWI cases. The need for an assessment and / or treatment along with competent legal assistance is discussed.

DUI / OWI Field Sobriety Tests in Wisconsin – A look at what field sobriety tests are – and are not – in Wisconsin.

DUI / OWI (Drunk Driving) Wisconsin Ten Day Warning – Why a defendant needs to take action before the court process even gets going.

DUI / OWI Treatment Court – an option that must be considered in Dane County for some third-offense cases

Wisconsin Judicial Sentencing Guidelines for OWI / DUI / Drunk Driving cases by County. Each judicial district has different guidelines.

Click on images above for larger view This page last revised: 09 Feb 2017 17:43:51 -0600.

Email Warning (links below)

By clicking on a button or link below you will be attempting to send an email to the office of Attorney Charles Kyle Kenyon. We do not give legal advice or opinions to non-clients over the phone, the Internet, or by email. Sending an email to us does not establish an attorney-client relationship. Confidential information should not be sent by email. Do not expect that information sent us will be kept secret. If your email is about a legal matter please restrict your email to:

  1. Your name address and phone number.
  2. The County involved.
  3. A time when it would be convenient for someone from this office to contact you and set up a time for you to consult with an attorney.

Clicking on the button or link below means you have read the above and agree to keep any communication about legal matters within these limits.

Copyright 1997-2017 Charles Kyle Kenyon. Madison, Wisconsin, all rights reserved.

This is a living hypertext document. If you find any errors, of fact or in links, please contact me so that they may be corrected. Please also write to me for permission to copy. You can reach me at lawyer at Add Balance.

Note: NO email is sent from this domain. If you receive any email with a domain name of addbalance.com. it is spam and not from me!

The name of this file is duimath.htm.


Auto Loan Rates – Police and Fire Federal Credit Union #auction #finance


#auto finance rates

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Rates reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE. The AutoDraft can only be used to purchase or buyout a lease on an automobile (examples of vehicles that cannot be purchased using an AutoDraft are a motorcycle, mobile home, trailer, RV, boat, snowmobile, jet ski, off road vehicle, commercial vehicle, or any other untitled vehicle). The vehicle must be purchased from a business entity licensed to sell automobiles. PFFCU will only finance autos that have mileage of 90,000 or less. The maximum age of any auto to be financed is 7 years or less than the current model year (For example, as of September 1, 2016 the oldest auto to finance is a model from 2010). AutoDraft can only be used to purchase a new car in PA, NJ, DE, MD, FL and NY or a used car from a licensed dealership in PA, NJ or DE.

  1. Your rate will depend upon your credit score, loan term and model year.
  2. All payments quoted above are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product.

Call Us with Questions

If you have questions or want to apply for a loan over the phone please call us
at 1-800-228-8801 or 215-931-0300.

ABA Routing #236084285

Police and Fire Federal Credit Union
901 Arch Street, Philadelphia, PA 19107
215-931-0300
800-228-8801

©2016 Police and Fire Federal Credit Union.

All Rights Reserved


College of DuPage – Student Financial Assistance #financial #aid, #financial #assistance, #loans, #grants, #state #grant, #federal #loan, #scholarships, #work #study, #federal #student #aid, #fafsa, #title #iv #school #code, #net #price #calculator, #college #scorecard, #cost #of #attendance, #financial #literacy


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Paying for College

  • If you are interested in applying for the Grants, Loans, and Work Study your first step is to complete the Free Application for Federal Student Aid, FAFSA, online at www.fafsa.gov Our school code is 006656.

    If you are looking to transfer to College of DuPage mid school year, you will need to make sure you add College of DuPage to your FAFSA. Our school code is 006656.

    If you are enrolled at another college/university during the school year, and are looking to enroll at College of DuPage for the Summer Semester only, you not be eligible to receive financial aid for the Summer Semester at College of DuPage.

    If you are entering College of DuPage with a bachelor’s Degree, you will not be eligible to receive State or Federal Grants offered through FAFSA. You may be eligible to apply for Federal Direct Subsidized and Unsubsidized Loans if you have not borrowed your maximum loan eligibility

    If you are completing the 3+1 Programs, your financial aid will be processed through College of DuPage for only the classes that are required for your Associates Degree from COD.

    Student Financial Assistance

    The first step in applying for any type of financial assistance at College of DuPage – whether it is grants, loans, scholarships*, work-study – is to complete the Free Application for Federal Student Aid, FAFSA.

    Our Title IV School Code is 006656

    **NEW for 2017-2018 ** Students can begin filing their 2017-2018 FAFSA on October 1, 2016.

    **DEADLINE TO APPLY FOR THE 2017-2018 ILLINOIS MAP GRANT is Wednesday, Dec. 21, 2016**

    Additional Resources

    * There are some scholarships that do not require the FAFSA to be completed. Each scholarship will provide you with a list of eligibility requirements.

    Summer Hours: June 4 through Aug. 13
    Summer hours at COD are in effect June 4 through Aug. 13. During this time, most buildings on the Glen Ellyn campus are closed Fridays to Sundays.

    Regular Hours
    Monday to Thursday: 8 a.m. to 7 p.m.
    Friday: 8 a.m. to 5 p.m.


HomeStart Finance wants federal government to expand agency nationally #finance #careers


#homestart finance

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HomeStart wants Commonwealth to roll out national lending scheme for first home buyers

WITH the dream of owning your own home becoming further out of reach, one Australian state claims it might have the solution.

For almost three decades, the South Australian government, through its HomeStart Finance agency, has given prospective first home buyers who have been unable to secure traditional sources of finance a leg-up in the market.

The agency acts as a lender to low- to moderate-income earners, including those on casual wages and Centrelink benefits, giving them the opportunity to buy their own home.

Not only that, but the agency doesn t require hefty deposits like the banks, nor does it charge mortgage lender s insurance.

The interest rate on the loan can be variable and is generally about 1 per cent higher than the banks, but repayments are structured to ensure household cashflow isn t severely affected.

In its submission to the national inquiry into home ownership, HomeStart argues that, because of its success and that of a similar scheme operating in Western Australia called KeyStart, the Commonwealth should consider rolling out a similar scheme nationwide.

It says since its program began 26 years ago it has helped more than 66,000 households in the state, or about one in eight first home buyers.

These buyers, typically on low-moderate incomes, require home finance which overcomes barriers to home ownership, such as deposit, start-up costs and borrowing capacity, the submission says. Once assisted, the vast majority become reliable payers, with many quickly building enough equity in their home to refinance with a major lender.

The latest statistics from the ABC show that home loan approvals had fallen 6.1 per cent in May, which was worse than anticipated. Source: Supplied

The suggestion comes as the latest data from the Australian Bureau of Statistics show home loan approvals have fallen 6.1 per cent in May, which is worse than expected.

Economists had predicted only a 1.5 per cent for May.

There were 50,366 approvals in the month, compared to 53,643 approvals in April.

The total value of housing finance also fell to 4.4 per cent in the month to $31.139 billion, with investor housing loans down 3.2 per cent and owner-occupied housing down 5.3 per cent.

Our position is that the rate of home ownership across Australia could be improved by governmental facilitation of a national program aimed at increasing access to affordable home finance, the submission says. Nationally, affordable housing policy typically leaves the provision of finance entirely up to the private sector. HomeStart s experience and results demonstrate there is a role of government to play in providing a stepping stone for customers to move from private rental or other accommodation into assisted home ownership.

The success of KeyStart in Western Australia provides further evidence of a need for such assistance.

Both programs are constrained to operating within their respective states, and not unreasonably so given the states provide capital and ongoing funding. The consequence of this limitation is that the vast majority of Australia s population is unable to access a valuable pathway to home ownership.

HomeStart also says through a prudent, adaptable and inclusive approach to managing credit risk it has generated a profit every year of operation, returned more than $440 million to the South Australian government since inception.

Buying a house is Sydney is very competitive with auctions almost the norm. Picture: Tim Hunter Source: News Corp Australia

However, not everyone thinks rolling out a national lending scheme is a good idea.

Simon Cowan, research fellow from the Centre of Independent Studies, warns against governments becoming too entrenched in social engineering schemes such as this, arguing it was one of the issues that led to the collapse of the housing market in the US.

What we saw in the US was this attempt by government to expand home ownership to people who didn t meet traditional lending criteria who had a lot of risk associated with them, he said. And I think when you look at areas, particularly Sydney and Melbourne, where the cost of houses are so high, the potential exposure is quite high as well.

Having said that one of the key challenges in housing affordability in Sydney and Melbourne you need such a high deposit to get into the market.

In the past the interest rates were so high so the repayments were relatively high but now you also have to have a high deposit.

It s a good idea for the government to look at this but I wouldn t be looking at demand side solutions.

I would be saying that government should cut stamp duty, and to really seriously look at the way the local councils impinge on planning and zoning requirements and really try and address the supply side issues that are pushing the prices up, rather than more tinkering on the demand side.

I don t know if we want the Commonwealth in that segment of the market. I think we need much more action on the supply side not the demand side not just for first home buyers but for all homeowners. The big problem here is that supply side restrictions have driven up prices so high.

There s a need to deal with house price affordability, and there s a problem for first homeowners. The problem is when you start looking at expanding the reach of the loans to people who are on social security rather than questioning, there s a lot of risk involved in that process and that social engineering is one of the things that caused problems in the US.


Overview Of Federal Sector EEO Complaint Process #federal #employment #lawyer


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Overview Of Federal Sector EEO Complaint Process

If you are a federal employee or job applicant, the law protects you from discrimination because of your race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), national origin, age (40 or older), disability or genetic information. The law also protects you from retaliation if you oppose employment discrimination, file a complaint of discrimination, or participate in the EEO complaint process (even if the complaint is not yours.)

There are also federal laws and regulations and Executive Orders(which are not enforced by EEOC) that prohibit discrimination on bases such as sexual orientation, marital status, parental status, or political affiliation.

If you are a federal employee or job applicant and you believe that a federal agency has discriminated against you, you have a right to file a complaint. Each agency is required to post information about how to contact the agency’s EEO Office. You can contact an EEO Counselor by calling the office responsible for the agency’s EEO complaints program.

EEO Counselor

The first step is to contact an EEO Counselor at the agency where you work or where you applied for a job. Generally, you must contact the EEO Counselor within 45 days from the day the discrimination occurred.

In most cases the EEO Counselor will give you the choice of participating either in EEO counseling or in an alternative dispute resolution (ADR) program, such as a mediation program.

If you do not settle the dispute during counseling or through ADR, you can file a formal discrimination complaint against the agency with the agency’s EEO Office. You must file within 15 days from the day you receive notice from your EEO Counselor about how to file.

Filing A Formal Complaint

Once you have filed a formal complaint, the agency will review the complaint and decide whether or not the case should be dismissed for a procedural reason (for example, your claim was filed too late).

If the agency doesn’t dismiss the complaint, it will conduct an investigation. The agency has 180 days from the day you filed your complaint to finish the investigation.

When the investigation is finished, the agency will issue a notice giving you two choices: either request a hearing before an EEOC Administrative Judge or ask the agency to issue a decision as to whether the discrimination occurred.

Agency Issues A Decision (Final Action)

If you ask the agency to issue a decision and no discrimination is found, or if you disagree with some part of the decision, you can appeal the decision to EEOC or challenge it in federal district court.

Requesting A Hearing

If you want to ask for a hearing, you must make your request in writing within 30 days from the day you receive the notice from the agency about your hearing rights. If you request a hearing, an EEOC Administrative Judge will conduct the hearing, make a decision, and order relief if discrimination is found.

Once the agency receives the Administrative Judge’s decision, the agency will issue what is called a final order which will tell you whether the agency agrees with the Administrative Judge and if it will grant any relief the judge ordered. The agency will have 40 days to issue the final order. It will also contain information about your right to appeal to EEOC, your right to file a civil action in federal district court, and the deadline for filing both an appeal and a civil action.

Filing An Appeal Of The Agency’s Final Order

You have the right to appeal an agency’s final order (including a final order dismissing your complaint) to EEOC Office of Federal Operations. You must file your appeal no later than 30 days after you receive the final order.

EEOC appellate attorneys will review the entire file, including the agency’s investigation, the decision of the Administrative Judge, the transcript of what was said at the hearing (if there was a hearing), and any appeal statements.

If the agency disagrees with any part of the Administrative Judge’s decision, it must appeal to EEOC.

Request For Reconsideration Of The Appeal Decision

If you do not agree with the EEOC’s decision on your appeal, you can ask for a reconsideration of that decision. A request for reconsideration is only granted if you can show that the decision is based on a mistake about the facts of the case or the law applied to the facts. You must ask for reconsideration no later than 30 days after you receive our decision on your appeal.

Once EEOC has issued a decision on the appeal, the agency also has the right to ask EEOC to reconsider that decision.

Once we have made a decision on your request for reconsideration, the decision is final.

Filing A Lawsuit

You must go through the administrative complaint process before you can file a lawsuit. There are several different points during the process; however, when you will have the opportunity to quit the process and file a lawsuit in court, including:

  • After 180 days have passed from the day you filed your complaint, if the agency has not issued a decision and no appeal has been filed
  • Within 90 days from the day you receive the agency’s decision on your complaint, so long as no appeal has been filed
  • After the 180 days from the day you filed your appeal if the EEOC has not issued a decision, or
  • Within 90 days from the day you receive the EEOC’s decision on your appeal.

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NeJame Law – Orlando Law Firm – Highly Experienced Attorneys #orlando #criminal #attorney,orlando #defense #lawyer,orlando #criminal #lawyer,mark #nejame,orlando #immigration #attorney,orlando #personal #injury #attorney,florida #civil #lawyer,orlando #dui #attorney,orlando #auto #accident #attorneys,florida #federal #attorney


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Attorney Mark NeJame has been a leading attorney and litigator for more than 30 years. Along with his team of lawyers and legal assistants, the firm has represented thousands of clients throughout Florida, the United States and the Caribbean. NeJame Law is AV rated (the highest possible) by Martindale-Hubbell whose ratings reflect both legal skills and attorney’s ethics. NeJame Law has been recognized with multiple additional accolades, including being selected in the Bar Register of Preeminent Lawyers in the U.S.

The firm’s practice includes multiple divisions devoted to personal injury, criminal defense, immigration law, foreclosure defense, bankruptcy, real estate, business, corporate and civil law, intellectual property, employment and family law. Several of the firm’s attorneys are board certified and considered specialized in their areas of practice. The highest level of evaluation conducted by The Florida Bar is that of board certification, and only the most competent and experienced attorneys are awarded such recognition. Moreover, the firm is highly regarded, in large part, due to its enormous trial experience, with the attorneys at the firm having an impressive total of over a thousand jury trials. NeJame Law has the trial experience and background, which is rarely rivaled.

In addition, NeJame Law has handled literally thousands of cases and has represented people from every walk of life. Whether an average citizen, a business owner, celebrity, politician, law enforcement officer, or judge, NeJame Law has helped whenever needed. If you have been in an accident, arrested, have a business dispute or need, immigration issue, real estate related matter, or family law case, NeJame Law has the depth, experience, qualifications, and background to help.

NeJame Law prides itself on its ethnic diversity with its attorneys coming from a variety of cultures and backgrounds. In addition to English some other languages spoken at the firm include Spanish, Portuguese, Hindi, Urdu, Arabic, Punjabi, French, and Italian.

About Mark NeJame

Attorney Mark NeJame has been a leading attorney and litigator for more than 30 years. Along with his team of lawyers and legal assistants, the firm has represented thousands of clients throughout Florida, the United States and the Caribbean. NeJame Law is AV rated (the highest possible) by Martindale-Hubbell whose ratings reflect both legal skills and attorney’s ethics. NeJame Law has been recognized with multiple additional accolades, including being selected in the Bar Register of Preeminent Lawyers in the U.S.

Mark NeJame In The News

Shahzad Ahmed, Esq. a Florida Bar certified immigration expertand former Orlando Regional Vice-Chair of American Immigration Lawyers Association (AILA), called on President-elect Trump to turn to a more productive discussion and to work with Congressional leaders on both sides of the aisle to move forward on immigration reform.

Attorney Shahzad Ahmed filed for asylum relief for an Iranian Christian. The application is based upon the claim that if Mr. Ahmed’s client returns to Iran, he will be persecuted by Iran’s regime and its people.

According to The National Advocates Top 100, this award exemplifies “superior qualifications of leadership, reputation, influence and performance in their area of specialty.


What did the American Taxpayer Relief Act of 2012 do? #federal #budget #and #economy,, #federal #revenue


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Some Background

Numerous tax cuts enacted between 2001 and 2010 were scheduled to expire after 2012, part of the “fiscal cliff” that threatened to cut short nascent recovery from the Great Recession. The expirations involved four tax acts[1] :

  • Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) phased in tax cuts for most taxpayers, but scheduled all of the cuts to expire after 2010 to avoid conflict with Senate rules (Joint Committee on Taxation 2001).
  • Jobs and Growth Tax Relief Reconciliation Act of 2003 accelerated the phase-in of some of EGTRRA’s provisions, but retained their expiration dates (Joint Committee on Taxation 2003).
  • American Recovery and Reinvestment Tax Act of 2009 (Division B, Title I of the American Recovery and Reinvestment Act, or ARRA) provided a number of temporary tax cuts designed to stimulate the economy, all of which were to sunset by the end of 2010 (Altshuler et al. 2009).
  • The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 extended most provisions of those three acts through 2012 (Urban-Brookings Tax Policy Center 2010).

The Tax Policy Center’s analysis of the scheduled expirations found that failure to extend them would have raised taxes by more than $500 billion in 2013—an average of almost $3,500 per household. Roughly 90 percent of Americans would have seen their tax bills rise (Williams et al. 2012).

Congress passed the American Taxpayer Relief Act of 2012 (ATRA) early on January 1, 2013, to prevent most of the sun-setting tax cuts from expiring. Most 2001 and 2003 income tax cuts were made permanent for all but the highest-income taxpayers. Three ARRA provisions were extended through 2017, while permanent changes to the estate tax and the alternative minimum tax reduced the number of people affected and indexed those provisions for inflation.

Tax Provisions Made Permanent

Income Tax Provisions
  • Tax Rates: Maintains the basic marginal tax rate structure of 10, 15, 25, 28, 33, and 35 percent for taxable income under $400,000 ($450,000 for married taxpayers filing jointly); the thresholds are indexed for inflation after 2013. Taxpayers with taxable income above the thresholds face a 39.6 percent marginal tax rate.
  • Pease and PEP: The limitation on itemized deductions (Pease) and the personal exemption phaseout (PEP) applies only to taxpayers with adjusted gross incomes of $250,000 or more ($300,000 for married taxpayers filing jointly); the thresholds are indexed for inflation after 2013.
  • Child Credits: The child tax credit (CTC) equals $1,000 per child and is refundable up to 15 percent of earnings above $10,000 (indexed for inflation after 2001). Another ATRA provision temporarily reduced the refundability threshold to $3,000. The child and dependent tax care credit rate begins at 35 percent on eligible expenses up to $3,000 per child (to a maximum of $6,000) and phases down to 20 percent between AGIs of $15,000 and $43,000.
  • Marriage Penalty: The standard deduction and the 10 percent and 15 percent brackets for joint filers equal twice those for single filers.[2]
  • Education Tax: Maintains higher annual contribution limits for Coverdell education savings accounts and higher phaseout ranges for the student loan interest deduction.
  • Capital Gains and Dividends: Retains 15 percent tax rates on long-term capital gains and qualified dividends (0 percent for those who would otherwise be in the bottom two tax brackets) for taxpayers in all but the top income tax bracket; sets a 20 percent rate for those in the top bracket.
  • Alternative Minimum Tax (AMT): Sets the 2012 AMT exemption at $50,600 ($78,750 for married taxpayers filing jointly) and indexes the exemption amount, the exemption phaseout threshold, and the future tax brackets for inflation.
Estate and Gift Taxes

ATRA sets a $5 million effective estate and gift tax exemption (indexed for inflation from 2011) and a top estate tax rate of 40 percent. A surviving spouse may claim any exemption not previously used by the deceased, a feature termed “portability.”

Extension of Temporary Tax Provisions

Tax Extenders

Congress regularly renews a few dozen temporary tax provisions, known as extenders, for one or two years at a time. ATRA extended that group of tax provisions through 2013. Most extenders had expired at the beginning of 2012; their ATRA extensions were retroactive, making them effective for 2012.

Extension through 2017 of Certain 2009 Tax Cuts
  • The American opportunity tax credit, which replaced the HOPE education credit in 2009.
  • The CTC is refundable up to 15 percent of earnings above $3,000 (not indexed for inflation), which is reduced from earnings above $10,000 (indexed for inflation from 2001).
  • The earned income tax credit threshold for couples filing jointly is set at $5,000 (indexed from 2008) above the phaseout for single filers. The phase-in rate for families with three or more children is raised to 45 percent.

[1] Another tax law, the Temporary Payroll Tax Cut Continuation Act of 2011, extended through 2012 a cut in employees’ share of the payroll tax funding Social Security, from 6.2 percent to 4.2 percent. ATRA did not extend that provision.

[2] ATRA also temporarily extended the higher earned income tax credit phaseout threshold for joint filers.

Rosanne Altshuler, Leonard E. Burman, Howard Gleckman, Dan Halperin, Benjamin H. Harris, Elaine Maag, Kim Rueben, Eric Toder, and Roberton Williams. 2009. “Tax Stimulus Report Card: Conference Bill.” Washington, DC: Urban-Brookings Tax Policy Center.American Recovery and Reinvestment Tax Act of 2009. Pub. L. No. 111-5, 123 Stat. 306 (2009).

Urban-Brookings Tax Policy Center. “Tax Policy Center Analysis of the American Taxpayer Relief Act (ATRA)” (especially distribution and marginal tax rate tables). Accessed October 27, 2015.

Williams, Roberton, Eric Toder, Donald Marron, and Hang Nguyen. 2012. “Toppling Off the Fiscal Cliff: Whose Taxes Rise and How Much?” Washington, DC: Urban-Brookings Tax Policy Center.