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crystalmethsanta-blog · 5 years

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Advice from a debt collector trying to be helpful

First things first: I am a collector at a furniture store. The way that my company handles things and what my boss tells me to do might be different than the store or loan company you are financing with.

We are just as, if not more, broke as you are.

We are not trying to harass you.

We are doing what we are told and need to keep our jobs. We’ve gotta eat, too!

Now, for some pointers.

Everything is based on your credit, not how much money you actually have.

We have customers who make 800 dollars a month on disability that are given a 4,000 dollar credit limit with the store if it’s good. In some cases, you can even qualify for interest-free options. If you need to finance something, ask your salesperson or customer service rep if you qualify for any of those options. It’ll save you a lot of money.

As far as furniture and other physical products go, we automatically put on insurance and product warranties. It’s how we make our money. While they are good to have, they can get pretty pricey depending on how much merchandise you’re financing. ALWAYS ASK if we can remove it if you don’t want it. Some people might try to talk you into keeping them, but they have to take it off.

ALWAYS. READ. YOUR. MOTHER. FUCKING. CONTRACT!!!! The people behind the counter are often told to be a bit vague about the insurance and warranties in hopes that customers won’t think anything of it. You can ask your closer to explain every single point on the thing to you, or you can take your sweet time to read it before you sign anything. But once that contract has ink on it and the merchandise is in your possession, there is no changing shit.

That being said, DO NOT call the store/company a week after you signed the damn thing and say you “just got the chance to read your contract” and want to take off half of your shit. It doesn’t work that way. While we are instructed to be vague, we do mention every aspect of the contract to you and provide further elaboration if you just ask! Once you sign for it, you have agreed to what is written on it!

NEVER rely on your co-signer/SO/parent/first cousin thrice removed to make the payment if YOUR name is on the contract. People say shit they don’t mean and break promises. If you can’t afford the payment yourself, DO NOT BUY THE FUCKING MERCHANDISE. It blows a giant hole in your credit even if you were in the agreement with an undisclosed person that they will be paying for it. Even if it was a gift for them and they’re the ones who got the merchandise, YOUR NAME is still on the contract and you are responsible for the payment.

If you are trying to build credit and need a co-signer, make sure you come to an agreement with your co-signer that ensures the payment is made on time.

Better yet, put your merchandise on layaway or a COD contract. It basically means that you pay as much as you can, when you can and you won’t have to worry about monthly payments once you have your merchandise.

Whether your payment is 15 dollars or 1500 dollars a month, missing a payment is equally bad for your credit.

If you fall behind even half of the payment, we are instructed and REQUIRED to call you. Please be nice to us. Not only because we are living human beings with feelings, but because we ARE trying to help you out. The fewer payments made with each passing month, you fall down into lower buckets.

Buckets are categorized based on one of two things: Recency of payment and/or contractual currency of payment. Recency regards how many payments you have made in the past five months. If your account is one hundred percent current, it means five payments have been made in the past five months, eighty percent means four payments, sixty percent means three, forty percent means two (and this is when the company reserves the right to sue you for the owed balance!) twenty percent means one, zero means zero. In other words, if you fail to make three payments in a period of five months, you can have your wages garnished (we take your owed amount out of your paycheck if employed) you can be full-on sued, or some companies will repossess your shit.

In my employer’s case, we are required to call at least once a day if we don’t receive your payment by the deadline. At our store, there is a ten-day grace period before the late fee is added to the balance. If you genuinely forgot your payment, we understand. But if you come up with a new excuse every time we get in touch with you for why the payment has not been made, we have to assume that you are lying. That’s not only for late payments, but it will require u to keep calling and re-confirm your promises to pay. The only way for us to stop calling you is if you just pay your damn bill.

We understand situations where medical problems are happening, deaths in the family, people getting laid off, marital problems, more important bills to pay, etc. Trust me. We WANT to help you. You just have a responsibility to let us know what’s going on. If we call you to check in with you and you hang up/cuss us out/block our number, we have to assume that you just don’t give a shit about the payment and it doesn’t hurt our feelings to file legal action on you. Then, it looks really suspicious when you call the store and say that any of the above happened and that you haven’t been able to make the payment.

Hope this was helpful to anyone considering financing furniture, a car, a loan, etc

#finance #money #merchandise #financing #payment #debt #collector #moneytips #advice #moneyadvice

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ladyyatexel · 6 years

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So I don't know if you guys remember the last time that I decided just to do a stream-of-consciousness chatting in my voice to text box while I was sitting in traffic, but that's what we're going to do again today. Because it's funny, every time I leave the house kind of late I end up with traffic that's like a little more active than usual but I managed to squeeze into the parking lot right around the time that I need to be there. Except today, I'm thinking okay I feel like garbage but I'm going to try 2 be at work a little earlier and look responsible or some shit. So since I'm doing this you can imagine the. Has not gone as planned. I'm sitting in even worse traffic than usual despite leaving considerably earlier. There is some kind of holy sweet spot for traffic that I have not yet found at least not for this season. Because, the traffic patterns change dramatically depending on what the weather looks like. This sounds like it should make sense like people drive worse when it's actively storming or something like that. But it's actually just like as soon as it gets colder there's 200 on my route to work. I don't know why this is but it makes my already seasonal efukt brain less happy. I apologize that this wall of text I've been able to figure out for the most part, and last night I even figured out that you can vocally enter emojis, which blows my fucking mind for some reason. I do not however know how to get it to make a

Okay so saying the word new and then the word paragraph turned off the voice thing and acted like it was thinking about getting me another line so that's pretty funny, luckily I'm sitting in traffic so I could reach over and press the button again. I didn't actually want to make a new space right there but whatever this is what we've got. Already having so much trouble waking up in the morning and it's not even completely dark. I should be getting up earlier than I am but it's a struggle just to do what I'm doing right now. I have definitely just rolled out of bed in the shirt and sports bra that I slept in threw on some pants and a sweater and gone to work a few times in the last week and a half. I'm wearing a sports bar right now. I can't stop coughing in the mornings I always sounds like I'm the first carrier of the new bubonic plague and then it just like goes away by 10:30 or so but I wish that this thing could pick up coffin somehow and relate to you how often I'm doing it throughout this. I look over at it occasionally and I can see that it's already made some very interesting word choices but my last one was a lot more interesting in terms of what the fuck does that say

I just passed a car that is always parked on the side of the road when I'm on my way in except today they had a new sticker on their back window that said in loving memory of someone with an end date of 2018 so that was certainly something. There's usually well not usually but frequently enough that I recognize it a truck that is parked on my route home that has a sticker on its window with the word sleep in like a no-smoking circle. And there's another sticker to with a similar Johnny 5 and I can never remember it until I see it and everytime I think hey I got to go home and tell the internet about that they're really going to appreciate it but I never remember because like the moment I enter my door the day is gone you know? Like yesterday, my supervisor asked me about something that I did on Thursday of last week and I don't know if she legitimately expect me to remember the names of all of the people that I deal with, but I especially am not going to remember it after a weekend and a Friday that I left sick. Unless the case was really interesting or really unique or something no I don't remember these people I just do the thing I'm supposed to do and ship it off to where it's supposed to go that's literally it. I also just passed some people who were pulled over by the police, so maybe that's what made traffic extra funky today feel like I've been seeing a lot of police

I guess I do this because sometimes I just need to feel like I'm talking to someone and my situation lately has his left things uncomfortable in that regard like I feel as though I am being a bother more so than usual because I just kind of have bad things going on and the people that I usually go to to help me with the bad things also have bad things so I feel a bit like I'm running out of outlets.

I also feel like I have been working so hard on so many things lately trying 2 make my life better buy some marginal Shred and it either goes unrecognized or ends up meaning nothing. Like I finally got that stupid wage garnishment off of my paycheck and then my right. Increased and yeah the paycheck will still result in me having more but it feels like I lately have been taking steps to do things better and what I'm getting in return is excuses for people to their for take more from me. About here buddy that was me talking to the construction guy who was waving at me to go on a different Road when I wasn't even going onto his Road

But really lately it does feel like I just make progress and step forward so that someone can say oh good she can handle more abuse, you know? Hey she makes more money now that's great that means we can take more from her. Hey we know that she's an adult and tries to do things rationally and shit and has really been working on communication and other kinds of therapy bullshit so it's okay to let other people mistreat her for a while because she can take it.

Dang she sure is really fast at work let's make sure we give her all of the work that has an extreme time limit. Her anxiety disorder will definitely not short out her brain when she sees all these emergencies in her inbox and force her to do nothing but hide in the bathroom for 20 minutes.

I did a lot of scary things and put a serious dent in my financial stability in order to rehabilitate this dumb student loan and attempted to improve my credit score, and while that has removed the garnishing my wages like I said my rent immediately went up so it feels kind of like that did nothing and I feel like the higher credit score has only increased the amount of garbage I get in the mail telling me to sign up for more credit cards. Like all I really did was make myself look more attractive two people who want to take advantage of me.

Last year I tried to fix my uterus after bleeding constantly for 3 months and that was a complete shitshow and I feel like I have gotten only slightly above middling results with that treatment

Considering that I tried to slice my own arms apart with my fingernails last week not terribly sure the antidepressants are working either

Like oh you want to take meds for this great let's make it worse and have you attempt suicide at work, you know?

Therapy, you say? Yeah, you barely fit in the schedule and can't afford to go as often as you need to now. Congrats, dumbass.

I feel like my good efforts are mostly being punished, that's the moral of the story.

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driverswing60 · 2 years

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thementalexercise · 6 years

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The Prison of Debt and Lower Earnings Potential (Part 2 of 2)

In Part 1 we discussed some good and bad uses of debt. In this last installment I will describe truly horrible results due to debt; homelessness, wage garnishment, and the job dependency.

Homelessness risk can be measured by how long will it take to become homeless if your earnings stop for some reason? We will take into account most states have an eviction process (let us say 45-days) and excluding any help from parents, siblings or friend.

Update: Alabama has only a 7-day eviction process if rent is unpaid but it is easy for a landlord to refuse your payment to get you out. The costs of eviction are small to the landlord and the state takes the responsibility to move you out and you risk being imprisoned for a felony. (There are more details you can research if you live in Alabama.)

If your time to homeless is only the eviction process then you need to start an emergency fund. An emergency fund is critical to handle the unexpected necessities without stressing your regular expenses. I am not talking about that new phone or pair of shoes. I am talking about paying for rent or mortgage, car payments, car repairs, gasoline, food and utilities.

When I was in college I started at 45-days (the eviction period) from being homeless because I had no emergency reserve and I did not want to depend on parents for emergencies. I did have a roommate but his finances were more stressed than mine.

So I started by setting aside 3% of each paycheck (I worked part-time in college) into a savings account not tied to my checking account. Within a year I had enough saved to handle a car repair or other small emergency. Over the years I have continued to contribute to an emergency reserve, especially since my needs have change. I now measure the time to being homeless years. It will not happen overnight but with some effort you can have a safety net.

Now you may be asking, how am I supposed to do that when my current expenses are higher than my take home pay or I do not have a job? You will have to make difficult decisions like;

Can I afford where I live? Do I need roommates?

Can I keep my car for 7 to 10 years performing maintenance?

Should I make going out a special occasion and eat at home instead?

Can I lower the heater setting or raise the air conditioner temperature?

Do not make decisions that can put you at greater risk like canceling home, car or health insurance, getting a payday loan (do not do this! borrow from anyone else first!), buying more lottery tickets, or shifting necessities to credit cards and hoping for something lucky to happen.

Wage garnishment is when a court mandates taking money from your paycheck by your employer before you receive it. This is often due to a failure to pay an outstanding debt like student loans, child support, or a legal judgement against you. If you are at this point then you may need help from a reputable credit service. Check with your state government or local bank for assistance finding someone to help.

Where wage garnishment can hurt you is with your employer. First if you have wage garnishment then you likely have a low credit rating. If this occurred while employed then it could jeopardize your position especially if you handle money for the company. Remember that most employers can run your credit rating during the hiring process but also while you are employed.

Second, your supervisor may very well know about your situation and they could take advantage of it. Due to the wage garnishment you may have difficulty finding another job and your supervisor could put more work on you at the same salary because they know you are in a bind.

Job dependency is when you cannot afford to lose your job. Most everyone needs a job to earn a living but this entails that you cannot afford to lose this job. There are many circumstances that can lead to it but the fear (or reality) is that you will not be able to find another job with similar pay or none at all. The following are some circumstances that could lead to this concern.

Your debt burden is too great. If you are in the situation of barely making payments or in crisis now, then the fear of losing your job can keep you from looking for another one. Besides, companies may check your credit score and see your situation.

You are nearing or past 50 years of age. I will probably write another piece about this but age discrimination occurs in the work all the time. Many states will not even investigate the claim and suggest that you sue the company in court.

You or your dependents have preexisting conditions. While this is not the case at the moment with the Affordable Care Act (aka ObamaCare) in force, if it is cancelled or diminished then many families will be at risk.

Your employer may imply advancement, raises or some other benefit but never in writing and only on the condition that you remain with the company. Unfulfilled promises can keep most anyone in a bad relationship. Just remember, that is what your employer is, a relationship. They provide pay in exchange for work that you perform. They are not performing charity and they usually do not have your best interests at heart.

Your employer may work you almost to death. It is very hard to look for another and probably better job if your manager does not give you the chance. No time off not only makes your manager look better but it keeps you from getting a better job.

Your family was previously a two income earner and due to circumstances (maybe one of the above) you are now a single income family with all the burden and risk on you keeping your job.

Debt can be an effective force to keep you in a job. It can also be a force for your supervisor to take advantage of you. While some of the things I discussed are not a debt burden now, something like medical bills without insurance can put you in that place.

From my experience, once you are an employee the company is no longer making great offers to keep you, they will do that with the next new hire. You will get a small raise and maybe a promotion for a bigger raise and more work. If you really want to see your income grow then consider changing jobs to another company in a similar area of work to preserve your experience. Also, negotiate for more than two weeks of vacation and a week of sick time.

I hope you are not in a place of high financial risk but if you are then it may be good time to seek help to correct the situation.

Good luck and best wishes.

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Creative Commons Attribution-ShareAlike 4.0 International License

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advancetaxreliefexperts · 3 years

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WHEN THE IRS FILES A TAX LIEN

Federal Tax Lien, IRS Tax Lien, Tax Resolution & Tax Debt Relief Help

The good news is that the IRS cannot just file a Notice of Federal Tax Lien (NFTL) without any warning or notice. Several things must first occur before an NFTL gets filed. An assessment must be made, notice and demand for payment must be made, and the taxpayer must neglect or refuse to pay the assessment. In order for the IRS to file a tax lien, the IRS is required to first make reasonable efforts to contact the taxpayer.

So what constitutes reasonable efforts? The IRS has determined that issuing a statutory assessment notice and balance due notice satisfies this requirement because these notices provide 10 or more days for the taxpayer to pay the liability thereby allowing them to avoid additional penalty and interest charges. The IRS is only required to mail these notices to the last known address that they have on file. Due to this provision, it is advisable to always keep the IRS up to date with your current address. Of course, as with most IRS rules, there are some exceptions to these notice requirements but since they are not very common, this article will not be addressing the limited exceptions.

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ADVANCE TAX RELIEF LLC

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NOTICE OF FEDERAL TAX LIEN (NFTL)

Things get a lot more serious when the IRS issues a Notice of Federal Tax Lien (NFTL). An NFTL is a public notification that is filed with a designated state and local jurisdiction for the purpose of informing the world of the existence of the statutory lien securing the tax debt. The purpose of a federal tax lien is to establish the Government’s right of priority against creditors. The types of people who want to know about the existence of an NFTL include lenders, purchasers, and holders of a security interest such as a mechanic’s lien, UCC lien, mortgage or judgment lien.

With most liens the typical rule of thumb is “first in time, first in right,” meaning that a secured interest that is created and perfected prior in time to another secured interest will take priority over the subsequent secured interest. However, federal tax liens are oftentimes referred to as “super liens” because they can sometimes avoid this rule.

WHAT IS AN IRS TAX LIEN?

Let me begin with an explanation as to what exactly a federal tax lien is before going any further.�� In a nutshell, a federal tax lien is a claim against property, including current and future rights to property. It represents a tax or tax related debt of an individual or business. Note that a statutory federal tax lien comes to existence by operation of law once a tax liability is assessed. Aside from always paying your taxes on time, there isn’t really much that can be done to avoid a statutory tax lien.

However, a statutory tax lien, sometimes referred to as a “silent lien,” is not a public record, and, for the most part, ought not to be a major cause for concern (though owing the IRS is definitely a serious cause for concern). Generally speaking, a statutory tax lien won’t hurt your credit and won’t impair your ability to borrow or buy and sell assets.

HOW DOES A FEDERAL TAX LIEN AFFECT ME OR MY BUSINESS?

Now that we have a basic understanding as to what a federal tax lien is, the next logical question probably is why should I care about a tax lien? An individual or business should be concerned about tax liens because by alerting creditors, they then become aware of the statutory lien and tax liability through the Notice of Federal Tax Lien filing and then those creditors must compete with the lien. The mere filing of the federal tax lien may affect the creditworthiness of the person or business against whom the lien was filed.

Furthermore, it may also impact the ability to get a loan, or a new credit card, or the financing needed to buy a house or a car, or even to sign a lease, just to mention a few things. All of the determinants of a tax lien make it important that taxpayers resolve outstanding tax liabilities as quickly as possible before a Notice of Federal Tax Lien filing becomes necessary.

It is worth noting that the IRS generally will not issue an NFTL for liabilities of less than $10,000. However, there is no guarantee that they won’t issue an NFTL for smaller tax debts.

Some additional good news is that the IRS is not always obligated to file a tax lien. There are pre-filing considerations that the IRS must first consider. Internal Revenue Code Section 6320 requires the IRS to balance the need for efficient collection of the tax with legitimate concerns of the taxpayer. This is done in order to ensure that the IRS’s actions are no more intrusive than necessary. Some of these considerations include but are not limited to a taxpayer’s current and previous tax compliance history, a taxpayer’s qualification for a determination exception, protection of the government’s interest (including exigent circumstances where the filing of an NFTL is necessary to protect those interests), and a determination of whether a Notice of Federal Tax Lien filing will hamper collection.

Some determination exceptions include securing certain payment agreements such as guaranteed/streamlined installment agreements or in-business trust fund express agreements that resolve the outstanding tax liability within pre-established timeframes, which tend to be relatively short.

However, just like with most IRS provisions, there are exceptions to these guidelines that allow the IRS to file a tax lien despite the taxpayer qualifying for a resolution alternative that does not require a lien to be filed. These exceptions typically involve a determination by the IRS that it is in their best interest to file a tax lien due to the taxpayer in question being a repeat offender (e.g. defaulting prior resolution agreements and/or taxpayers who have a track record of continually accruing liability).

Even if all of the above mentioned pre-filing criteria have been satisfied, do not give up hope as all is not lost. The IRS is still able to choose to not file a Notice of Federal Tax Lien provided that they are able to support why not filing one would be appropriate. These types of situations vary on a case by case basis so having a qualified tax attorney on your side can be very beneficial in persuading the IRS that a tax lien would not be appropriate.

CIRCUMSTANCES WHEN THE IRS DOES NOT NEED TO FILE A TAX LIEN

There are some limited circumstances when the IRS does not need to support their decision to not file a fax lien. Some of these circumstances include:

When the aggregate unpaid balance of assessments is less than $10,000 or the balance to be reflected on the tax lien is less than $2,500;

When there is no reason to believe a lien filing will be required in the future. One example of this would be a pending full abatement of the tax liability;

The taxpayer is a defunct corporation or LLC (where the LLC is liable) whose assets have been previously liquidated;

The taxpayer is deceased and there are no known assets in the estate;

The taxpayer is a corporate entity or LLC (where the LLC is liable) that has gone through a liquidating bankruptcy;

When a non-paying officer has been assessed the Trust Fund Recovery Penalty and an adjustment is pending because the assessment has been paid by another officer;

There is an indication that the liability has been satisfied or that credits are available to satisfy the liability;

The taxpayer is in bankruptcy and the tax lien relates to liabilities incurred before the taxpayer filed for bankruptcy;

There is genuine doubt as to the validity of the liability.

Bottom line, a Notice of Federal Tax Lien can be very detrimental to any individual or business and so it is very important to act quickly when one becomes aware of an outstanding federal tax liability so steps can be made to address and ultimately resolve the liability before the IRS determines that a Notice of Federal Tax Lien may be necessary.

If you are concerned about a Notice of Federal Tax Lien, I suggest you contact a tax resolution professional or call Advance Tax Relief .

GET TAX RELIEF HELP TODAY

If you think that you may need help filing your 2014, 2015, 2016, 2017, 2018, 2019 & 2020 Form 1040 tax returns or past due tax returns, you may want to partner with a reputable tax relief company who can help you get the max refund and reduce your chances for an IRS AUDIT.

Advance Tax Relief is headquartered in Houston, TX with a branch office in Los Angeles, CA. We help many individuals just like you solve a wide variety of IRS and State tax issues, including penalty waivers, wage garnishments, bank levy, tax audit representation, back tax return preparation, small business form 941 tax issues, the IRS Fresh Start Initiative, Offer In Compromise and much more. Our Top Tax Attorneys, Accountants and Tax Experts are standing by ready to help you resolve or settle your IRS back tax problems.

Advance Tax Relief is rated one of the best tax relief companies nationwide.

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easyfoodnetwork · 4 years

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Dispatches From Food Service Workers Across the U.S.: ‘I’m Trying Not to Panic’

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Restaurant employees from Kentucky, North Dakota, New York, Oregon, and Minnesota share their stories

Last week, President Trump formed the Economic Revival Industry Group, a collection of 200 experts and industry leaders to inform the (possibly ill-advised) campaign to re-open the economy. The group, focused on restaurants, included numerous chain CEOs and celebrity chef-owners like Wolfgang Puck and Thomas Keller. And though the latter could hardly be expected to advocate for the needs of restaurant owners whose restaurants don’t have Michelin stars, there is another group notably absent from the committee: restaurant workers.

Independent restaurant owners are struggling with the realities and uncertainties of life in a pandemic, whether it’s having to lay off employees or trying to keep people paid as the business pivots to take-out only. But for your average food service worker — servers, bartenders, line cooks, and baristas — there is even less support. Restaurant employees made up 60 percent of the jobs lost in March. Twenty-two million people filed for unemployment in the past four weeks, leaving unemployment websites overwhelmed. The Paycheck Protection Program, which offers federal loans in exchange for keeping employees on payroll, is out of money. All this adds up to millions of food service workers being left without a paycheck.

Despite Trump’s plans, no one knows what the restaurant industry is going to look like on the other side of the pandemic. And so workers wait, hoping their restaurants will reopen, hoping they or their coworkers will be rehired, hoping there will be a workplace to come back to. As chains and fine-dining chefs are the only ones with access to the White House, it’s important to remember their experiences do not represent the restaurant industry as a whole. Whether or not restaurant workers, not merely restaurateurs, feel supported will be the true test of any government program’s success. With that in mind, we spoke to five restaurant workers across the country on what they’re experiencing right now. These are stories in their own words, edited lightly for clarity.

Gregg Adams, line cook at J Harrods, Louisville, Kentucky

The chef and I are the only kitchen staff left of four full-time and two part-timers. He takes a salary, I am on reduced hours, which means less money to repair the house and cars, much less save anything. Since this began we have been steadily losing customers. Our food isn’t geared for takeout, though we changed the menu some. Also, we made a lot of our money through drinks. Initially, the state only allowed the sale of closed alcohol containers, and some restaurants started selling flight bottles and half pints with soda or cup mixer on the side. Within a week, open alcohol sales were allowed rather than just packaged liquor, but it was too late for those who followed the rules.

I’m hanging in there, but I’m lucky. Not much has changed for me and my family. My wife is on medical disability with fixed income and doesn’t leave the house much. My teenager already practiced social distancing. My 26-year-old is working 60 hours a week at a local coffee chain. My 25-year-old works for UPS. I’m blessed to have employment. I know three other cooks and two chefs who are unemployed. But I can’t plan anything for anything now. I’m wondering about my concert tickets and my child’s education if my older children will get sick, and what my options are in general. I’m trying to not panic.

Massoud Violette-Sheikh, sous chef at the Heights, Ithaca, New York

I am 23 years old and have been working in the industry for five years, starting as a dishwasher at the Heights. My start in the industry was mainly out of necessity — dishwashing offered good hours and the possibility of upward mobility in the restaurant. But the work ethic and our local food community was contagious; I wouldn’t want to be in any other industry, even in these times. I rose to sous this past year. In an area where we are financially dependent on Ithaca College and Cornell as our main contributors to economic stimulation, this has train-wrecked the local economy.

At the Heights, all staff with the exception of our chef de cuisine have been temporarily let go. I think the post-pandemic dining landscape is going to be entirely different — staff cuts, wage cuts, and mandatory seating reduction will absolutely affect how we are able to eat. Even the most luxurious restaurants will have to cut back on menus, garnishes, and available reservations. I’m hopeful that diners will come out in droves after restaurants open up, but realistically that’s not likely. The social habits that we develop will linger. I spend a lot of time talking with my close friends and coworkers. Everyone just wants to be back in the kitchen — to be back home. As an individual I’m grateful for private grants such as the Restaurant Employee Relief Fund — programs like that are going to be our saviors. But our primary concern is how long our local independent restaurants, farms, and purveyors will be able to stay open. The debt to equity ratio in our industry is very high, and I expect to see places sink into irreversible debt. I hope customers will be patient as we get back on our feet; without their support, all that will be left is Chili’s and McDonald’s.

Marlena Chaboudy, cook at A Frame Bar & Grill, Westhope, North Dakota

Busy season is the beginning of spring through the end of summer. We are situated on Lake Metigoshe, and when the snow melts people start moving in their boats and readying their docks to enjoy their summer. We were all gearing up for that when the spread of the virus hit hard and hours were cut. Our place was then shut down for dine-in service and we tried to stay positive. I found out the secret was really not to make eye contact, because if I saw one of us start to tear up, it opened the floodgates for me.

I’m behind in rent, my vehicle is in need of a few repairs. I had planned on moving closer to work — I live about 40 miles away — and found a place, but will have to come by money for the utility and house deposits and rent in order to do so. My fiancé and I live together, and he also works at the A-Frame as a dishwasher. He has filed for unemployment but has a limited work history and hasn’t paid in enough in the quarters to draw unemployment. And he won’t get the one-sum stimulus check either, and that’s going to hurt. Living in a rural community, you can’t count on anything for relief. You can’t count on the small town store to get a delivery truck, or go to the store the same day and be able to buy a roll of toilet paper or a dozen eggs. I can’t guarantee that my internet will be functional much less my phone service, and trying to even access the unemployment website can take all day. You go to the gas station for a treat and you never know if they are open because if they haven’t had enough business that day to justify keeping the lights on, or paying an employee to sit there, they close early.

I don’t think the aid the government is giving is enough. Not at all! It’s getting bad everywhere. The people in the foodservice industry are the “blue collar” workers that everyone forgets about. We are not paid as much as the blue collar norm and making ends meet isn’t looking possible for most.

Rae Bullinger, former front of house at Rise Bagels, Minneapolis

We closed our dining room around March 16th, but kept our online and takeout phone ordering systems the same. After closing the dining room, it was fairly slow that first week, but we kept advertising the online and pick-up ordering and by the weekend our system just couldn’t keep up. On my weekend shift, we were so overwhelmed with online orders overnight that we actually had to turn the first customers away, because we were still trying to catch up with the online orders. The next day is when the owners decided to temporarily close. Before coronavirus, we had a good sense of how many bagels we needed each day of the week to fill our normal amount of orders. Once we started advertising more about online and phone ordering mid-March, our demand shifted to a point we couldn’t have predicted.

Before I started my job at Rise Bagel, I was a graduate student in the psychology field. I had to take a leave of absence in October due to an inpatient stay for my mental health, and decided to put school on pause and pursue a new career in food sustainability. I thought getting my foot in the door at a local restaurant that focuses on local, organic ingredients and sustainable practices would provide me with some great insight. The job finally gave me a sense of purpose and control when I hadn’t had that in a long time. However, when we suddenly had to close, it was like my sense of purpose also disappeared. My job was the one thing that kept me feeling certain about my future. Uncertainty about my future at Rise has led to an increase in my anxiety around leaving school and my future career. I have many fears of having to start all over again, and it’s hard to stay motivated when I can’t gain restaurant experience from my home.

Here in Minnesota, individual unemployment benefits are only given if you had made $3,000 or more before unemployment. Because I was in graduate school and had only been at my job at Rise for a few months, I did not meet this requirement and will not be receiving any unemployment benefits. For those making minimum wage (aka many of those in the food service industry), prerequisites like this may have some major impacts. I’m incredibly thankful to be living at home during this time with great support, but I couldn’t imagine being in a more dire situation and then denied benefits based on something I may not have had control over. I’m really glad something is being done for small business owners, but what really matters is what happens after this. A restaurant will only survive if better legislation is passed and people continue to visit even after social distancing orders are lifted. The attention and support food service employees and places are getting right now is amazing, but systematic change needs to occur for them to continue to survive.

Ashton Long, bartender, Portland, Oregon

We were all in an especially odd situation because we had just all been through training and had opened the restaurant, Bar King, to the public Monday, March 9th. Our restaurant closed down to the public on March 15th and began only providing takeout orders. Luckily, right now it is looking like we’ll be opening back up and all have our jobs back, but when? I don’t think anyone has even a clue. And that is terrifying.

My partner and I moved here in early January of this year. Luckily, he works from home, but I set out to find a job as soon as I got here, and even with my experience and my resume, it took me nearly two months to find something because of how competitive the service industry staffing is in Portland. I exhausted nearly all of my savings and threw all of my faith into the fact that I’d find a job when I got here, and then I worked for literally two weeks and then lost my job. I don’t remember a time in my life where I didn’t have two jobs and work anywhere from 40 to 70 hours a week, so having this much free time, and on such an incredibly STRICT budget of one income, has been extremely challenging to fill.

While I think the stimulus money is great, and quite literally a life saver for many — including me — unemployment has been a literal shit show and a nightmare to deal with. I still have yet to see any benefits or correspondence from either Michigan or Oregon to figure out what I need to do in this situation where I lived and worked in Michigan last year and Oregon now. While I do understand that having 2.2 MILLION people sign up for unemployment in the last month is overwhelming, if it weren’t for the stimulus check and my partner, I could very well be on my way back to Michigan right now to live with family. And as a 25-year-old who has never had to consider an option like that because I’ve always had work and savings, that is a horrifying and scary scenario.

If you’re a food service worker, Eater wants to hear your story. Please fill out this survey.

from Eater - All https://ift.tt/3cz9Lic https://ift.tt/2KmWSfe

Shutterstock/Kondor83

Restaurant employees from Kentucky, North Dakota, New York, Oregon, and Minnesota share their stories

Gregg Adams, line cook at J Harrods, Louisville, Kentucky

Massoud Violette-Sheikh, sous chef at the Heights, Ithaca, New York

Marlena Chaboudy, cook at A Frame Bar & Grill, Westhope, North Dakota

Rae Bullinger, former front of house at Rise Bagels, Minneapolis

Ashton Long, bartender, Portland, Oregon

If you’re a food service worker, Eater wants to hear your story. Please fill out this survey.

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traciedemars · 6 years

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Want to buy a home? Where to Start?

Home Adventure Education & Home buyer & seller classes Upcoming Free (& non-promotional) Home Buyer Classes: Saturday January 6 , from 9am-12pm (ish) Marshall Community Center, conference room 1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) Thursday, January 11, from 5pm-8pm (ish) Marshall Community Center, conference room 1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) Saturday, January 20, from 12pm-3pm (ish) Vancouver YMCA, conference room 11324 NE 51st Circle, Vancouver WA (corner of SR500 & Gher Rd/112th Ave) If these class dates and/or times don't work for you, please let us know. We understand that you have lives, and families, and work. We will work something out that works better with your schedule. Just let us know.... ....we also have home seller classes available too...link on left on website Remember...with reservation...we will throw in lunch, or dinner! :-D ~~~~~~~~~ Hey there! Happy New Years! :-) 2018... does anyone else feel that 2017 flew by? When you're young they tell you that time goes by faster as you get older.... I am here to tell you that it really is true. I guess we all need to listen to Dr. Who, and to stop blinking!!! ....sigh... I hope you had a wonderful Christmas with friends, family, and food.... holiday food really is the best. With the new year starting though, a lot of folks start thinking about new things, and resolutions. I'm not a fan of resolutions... unless they are to eat more bacon, read more books, crochet more blankets, or help folks buy (or sell) a home.... those are about the only resolutions I can keep! Do you have resolutions? Do you keep yours? The holidays are really about family & home, I think.....having friends & families over for the holidays, or going to someone else's home for the holiday celebrations. Add that to the new year, and new beginnings and many people start thinking about the next big step. Is it time for a new home...a bigger home? Maybe a smaller home, or are you renting your home, but want to be a homeowner? Purchasing a home, whether it's your first home, or you've owned homes before, is one of the four BIG steps we take in life. What most folks don't know is where to start, and what questions do you need to ask yourself? What questions do you ask a lender? A Realtor? What about classes? There are SO many right now (it's because it IS the beginning of the year), but how do you KNOW which one is going to give you the best information? There are definitely some questions you should ask.... Let's start with questions to ask yourself.... #1... Do you have a steady income? When you decide it is time to try to buy a home, a lender is going to want to see a steady income. Have you been on your job for at least 6 months? Were you working before that? Was it in the same industry? If you weren't working before your current job, were you in school? Were you in school for the occupation you are in, or something similar? Are you self employed? Do you have at least 2 years of 1099's and tax records to prove your income? These are all questions a lender will ask, and need answers to. Want more information on this part? Contact Chris Berg at Pinnacle Mortgage for answers. He can be reached at [email protected] , or at 503-320-0925. Don't let the 503 number fool you....he is local. :-) Owning a home is usually a bit more expensive than renting. With the rising costs of monthly rent, your rent and mortgage payment may be about the same, but owning does have a few more expenses. When you rent, and something breaks, or has an issue, you call your landlord, or rental management company, and eventually things get repaired. When you own a home, YOU are the landlord, and so you need to budget for those home repair issues that will come up. Take $20 from each check and have it automatically deposited in a credit union or financial institution of your choice. Do not have a check book or card for this account. This is your home maintenance fund. You know I love the home warranty, and remember that you can continue it year after year. Use this fund to pay for that next year of the home warranty. However, remember that the home warranty does not cover roofing, windows, walls, flooring, or siding. This account should also be used to maintain and take care of those items as well. #2...How much debt to you have? This is a big one. We all have debt, and don't get me wrong....I think Dave Ramsey is a good guy with many excellent ideas, but there is one area that he preaches that actually hurts you in the pursuit of buying a home. The idea of a cash based living style is wonderful, but when it comes to buying a home this will actually hurt you. Strange as it is, having NO credit is worse than having BAD credit! Some debt is actually good....not a lot...but some. A lender will base the amount of your pre-approval on how much income you have vs how much debt you have. Your mortgage payment can only be a certain percentage of your disposable income which, in a nutshell, is your income minus your debt. Some debt is good because it gives you a history of payments. Are you credit worthy? Do you pay your debts? Do you pay those debts on time? Are you reliable? Too much debt is bad because the ratio of your debt to your income is too high. When you are applying for a mortgage, that is (for some of us) the largest debt we will ever carry. How do lenders know if you will pay back that debt? They will look at your credit score...which is determined by how well you pay your current debt. This kinds of leads me to our next question. #3... What is your credit score? Ah yes...the dreaded credit score! In the upcoming weeks we will spend some time talking about credit scores...the good, the bad, and the ugly. For right now though, a credit score is based on your credit history. It tells the lender a story about your reliability of repaying your debt. Frankly, at some time, we all have credit issues...or at least most of us do. Many moons ago, when my husband and I were in the early years of our marriage, we had 'issues'. We had 2 young children, and a ton of medical debt. When our son was a baby, we declared chapter 7 bankruptcy. At the time it was the only thing we could do. My husbands wages were being garnished, and we couldn't even afford diapers. We were, in a word, BROKE...and only going broker. So, we made the decision to go bankrupt. It was, looking back at it, really the best decision we could have made. After the discharge, we took it upon ourselves to learn about how 'this' all works. I think they should teach budgeting, and credit in schools. This lack of understanding gets a lot of young adults in trouble....of course....just like everything else here this is just my opinion :-) So, we learned, and we made better decisions, and choices. We learned to live within our means. We learned to stock up, and save. We went back to school to better ourselves, and our situations so we could provide a better life for (at the time) two children. Our oldest daughter was married this year, and like most young couples they are broke. I guess it is where most of us start. She *barely* remembers what it was like when she was very young.A credit score is based on what type of credit you have, if you make your payments on time (late payments ding your credit score), how much credit you are carrying, and if you pay off your credit in a timely fashion. Do you have a car loan? Do you make the minimum credit payment, or more? Have you paid off a debt? If you have paid off a credit card....don't close the account because closing the account can hurt your credit score. Cut up the card if you want, but keep the account open. Do you have high credit balances? Lenders don't like to see this because if you have high credit balances it means you have less credit to draw on in case of emergency, and let's face it, we all have emergencies sometimes. In short, a credit score is based on your past credit history, and lenders use this number to determine how risky it is to loan to you. With lending...it is all about risk. They prefer to loan money to individuals with reliability. They don't want to loan money to individuals with a high risk...someone who most likely won't pay back the money. So what can you do if your credit score is somewhat, less than stellar? Call your lender, or call Chris. They can go over your credit report with you, and point out the areas that you need to address. They can, and should, actually HELP you to understand your credit report, and should be able to give you some steps to take to better your credit score. Is it hard work? Yes...but the end result is absolutely worth it. It may take some time, but if you do all the steps, we can....and will...help you find a home. What is 'good' credit? Most loans will want to say a 'mid-score' of at least 620. There are three credit scoring companies, Equifax, Transunion, and Experian. The lender will use the middle score of the three. The better the credit score, the lower your interest rate for some loans as they have determined you have less risk. With a few loans, you can go as low at 580 on your credit score, but there are some 'hiccups' with that. The majority of loan programs, especially the loan programs that help home buyers with downpayment will require a 620 mid score to loan money to buy a home. #4... Do you have a down payment? Do you need help with one? There is quite a few down payment grants & loans out there that can help with that. Yes, there really is! Many lenders, and classes will talk about one...maybe 2, of them...but there are some grants to help with your down payment too. No lie... There is also other ways to come up with a down payment....401k, 'gifts', tax refunds, etc. All of these options (and the pros/cons of each) are discussed by Chris Berg at the free & non-promotional home buyer education classes. Remember that you do need money for a earnest money deposit, the home inspection, and the appraisal though. Anyone who tells you that you don't need any money to buy a home is blowing smoke.... *and I'll let you finish that* #5.... Have you taken a home buyer education class? Buying a home, or taking that first step to buying a home, is a tense, exciting, thrilling, fun, and yet scary time for everyone. These classes are about 3 - 3 1/2 hours long and will go over the entire real estate process & what the papers all really mean to you. The lender will go over the entire loan process including closing costs, down payment loans/grants, and the loans (including the 100% loans), the pros & cons of each (not just the good stuff, but the things you really do need to know too) , credit (and help to get you there), interest rates, and more. The real estate portion will help you understand the steps, the questions to ask a Realtor (see next weeks email), inspections, appraisals, earnest money, and what all those papers involved in an offer really mean. The classes are free, non-promotional, and taught at community centers for your convenience. Before you talk with a Realtor, or a lender, and definitely BEFORE you sign any papers with either a Realtor or a lender... TAKE A CLASS. A home buyer education class should be your first step....not the last one. When you call to rsvp for a class.... ask how long the Realtor and lender have been teaching classes. Ask how long the Realtor has been licensed. Ask where the classes are being held at....are you going to a lender office? A real estate office? What will they go over? There's nothing wrong with taking more than one class too.. Buying (and selling) a home are some of the biggest things that you will ever do. The only thing that will cost you more money is having a child....and wouldn't it have been nice to have a handbook for that? :-D Information is power, and I hope that I am able to help you. Good luck, and as always...May the odds be ever in your favor out there.... If you are looking for a real estate agent, I would love to be able to help you. As always....this is just a quick overview.... please remember that your agent, and your lender work for YOU. You drive the bus...we are merely GPS to help you get to your goals. Like the classes, this weekly blog email is to help you with your home adventure. The goal is to be informative and non-promotional. :-) We are, however, hoping you will call and want us to help with your adventure. If you have any questions about this, or something you have heard...or if you would like me to help you with your home adventure, please call, email, text, or facebook me anytime. I am, as always, happy to help! Thank you again for your business and your referrals!! ...and thank you for referring these classes to your friends, family, and co-workers. . ..disclaimer...if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings... Next Week: Interview Questions to hire a Realtor Last Week: Winter time & buying (or not) buying a home Have a great day, and I will talk to you soon, ;-D Tracie DeMars Real Estate broker Re/Max - Van Mall 360/ 903-3504 cell 360/ 882-3600 fax www.traciedemars.com [email protected] “Interested in free and non promotional home buying or selling classes? Go to www.traciedemars.com for local upcoming classes, or facebook: Tracie DeMars Real Estate for my home adventure education blog. Classes are now available for home owners thinking about selling their home. Links are on the left." "Listen to the mustn'ts, child. Listen to the don'ts. Listen to the shouldn'ts, the impossibles, the won'ts. Listen to the never haves, then listen close to me... Anything can happen, child. Anything can be." - Shel Silverstein, American poet, cartoonist and composer, (1930 - 1999).

#traciedemars #traciedemarsrealtor #traciedemarsremax #realestate #remax #pnwrealtor #learningtobuyahome #traciedemarsrealestate #vancwa #homebuyereducation #homesellereducation #buyingahome #sellingahome #happybuyers #happysellers #buyersagent #sellersagent #clarkcountywa

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juliusltyz210-blog · 4 years

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Tax Debt Lawyer For the Defaulters

"I am single and also I owe the Internal Revenue Service $80,000 in back taxes for tax obligation years 2000 via 2003. I think I probably owe some cash to the State of Ohio and I currently make $40,000 per year. I simply received a Notification of Levy, which states that the IRS prepares to garnish my incomes. I recognize I will be terminated if my company figures out. What can I do?"

The foregoing is an archetype of the kinds of tax troubles a tax law office encounters daily. Individuals faced with tax issues and also putting in jeopardy levies and/or garnishments are often emotionally troubled - thinking that they will lose their residences, their tasks, their marriages. Numerous are worried that they will John Du Wors certainly even be sent to prison. Unfortunately, a lot of their worries stand. In this new age of hostile tax obligation enforcement, shedding your home is a genuine possibility and also being sent out to prison is not completely out of the question.

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Luckily, this tax problem does not need to spoil our customer's life. Those of us that turn on the tv even just as soon as a week for 15 minutes is aware of the Infamous Deal in Concession program. This program addresses your tax obligation problems for "dimes on the buck." Unfortunately, regardless of what you hear on tv, you really have to be in dire straits to qualify for this program. Our $40,000 per year single tax obligation client might, however most likely will not certify. It he has any kind of cash left over from his paycheck, he can be sure the IRS wants it.

Nonetheless, many tax customers do get approved for an Installment Arrangement, either partial or complete. A $40,000 per year solitary tax client can not potentially pay off an $80,000 tax debt, particularly when fines and interest remain to accumulate. Under these scenarios, a Partial Pay Installation Arrangement is likely the most effective alternative. This strategy enables our tax client to pay the Internal Revenue Service a sensible amount on a monthly basis. Sometimes, the IRS will certainly agree to accept less than the overall amount due and do away with penalties and passion.

Certainly, if our tax obligation customer's income boosts, the IRS will likely discover this new-found cash and will look for to renegotiate the payment plan. The IRS does realize that everyone requires a location to sleep, along with particular other basic necessities. In order to work out the most effective layaway plan feasible, our tax client will require to make up these requirements in agonizing detail. The more money he needs to pay his month-to-month home loan, the less cash he has in his pocket to pay the Internal Revenue Service. Bear in mind though, the IRS has actually established national standards for the standard requirements. With an income of $40,000 annually, our solitary tax obligation client shouldn't rely on having the ability to remain in his $250,000 home.

The good news is that the Internal Revenue Service has a law of constraints. The Internal Revenue Service can not remain to collect from our tax obligation customer greater than 10 years after the tax obligation was evaluated without suing him for an extension, which is extremely uncommon. When it comes to our $40,000 annually tax customer, the tax obligations owing for 2000 were most likely evaluated sometime around 2002. The Internal Revenue Service has a "drop-dead day" in 2012. If it hasn't gathered already, our tax obligation customer can likely rest easy that the tax financial debt for that year is gone.

As constantly, with the bright side comes the poor. A State such as Ohio does not have a statute of constraints. They can and also will pursue our tax obligation customers for life. We just recently had a client that possessed an automobile dealership over two decades earlier. He failed to pay sales tax in 1982. More than 25 years later, the State of Ohio imposed him for the unpaid sales tax obligation. Obviously, he no longer had any type of paperwork to challenge the amount they claimed he owed. Nevertheless, he did have photos of the car dealership, which were taken back in 1982. We were able to generate these photographs to the State of Ohio, in order to record the variety of cars he truly had in his inventory at the time. We were able to lower his tax obligation financial debt by over $100,000.

Similar to our car dealership, our tax client that makes $40,000 annually is not without hope. With quick involvement on our part and also collaboration from our customer, the wage garnishment can be quit, before the employer has any type of understanding of it. The secret is immediate action. If the IRS knows that a tax obligation expert will be sending a recommended resolution to the trouble, any type of impending levy and/or garnishment will likely remain up until a mutually-agreeable resolution is established. It is important that tax issues be handled as promptly and also successfully as possible. Otherwise, our tax customer might find himself incapable to pay his mortgage or make his automobile settlement, as the Internal Revenue Service has taken almost all of his $770 weekly income.

#John Du Wors #John Du Wors Attorney #Tax Attorney

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johnathandlcq759-blog · 4 years

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Exactly how to Plan Your Estate

"I am single and also I owe the IRS $80,000 in back taxes for tax years 2000 through 2003. I assume I probably owe some cash to the State of Ohio and also I presently make $40,000 each year. I just received a Notification of Levy, which mentions that the IRS prepares to garnish my earnings. I know I will be discharged if my company figures out. What can I do?"

The foregoing is an archetype of the types of tax troubles a tax law firm experiences on a daily basis. Individuals confronted with tax obligation problems and also approaching levies and/or garnishments are frequently emotionally John Du Wors anxious - thinking that they will lose their homes, their work, their marriages. Several are worried that they will certainly even be sent out to jail. Unfortunately, much of their issues are valid. In this new age of aggressive tax obligation enforcement, losing your residence is an actual opportunity and also being sent to prison is not entirely impossible.

Thankfully, this tax trouble does not have to ruin our client's life. Those of us who switch on the television also simply once a week for 15 mins knows the Notorious Deal in Compromise program. This program addresses your tax obligation troubles for "cents on the buck." Regrettably, despite what you hear on television, you actually have to remain in dire straits to receive this program. Our $40,000 each year single tax client might, yet probably won't qualify. It he has any kind of cash left over from his income, he can be certain the Internal Revenue Service desires it.

youtube

However, many tax obligation clients do get an Installation Arrangement, either partial or complete. A $40,000 each year single tax client can not possibly repay an $80,000 tax obligation financial obligation, especially when fines and passion continue to accumulate. Under these situations, a Partial Pay Installment Arrangement is most likely the most effective alternative. This strategy enables our tax client to pay the Internal Revenue Service a sensible sum every month. Often times, the Internal Revenue Service will certainly consent to approve less than the total amount due and also forego fines as well as passion.

Naturally, if our tax client's earnings increases, the Internal Revenue Service will likely find this new-found cash as well as will certainly look for to renegotiate the layaway plan. The IRS does understand that everyone requires a place to rest, as well as specific various other standard requirements. In order to negotiate the best layaway plan possible, our tax client will certainly need to account for these necessities in painful detail. The more money he requires to pay his monthly home loan, the less cash he has in his pocket to pay the Internal Revenue Service. Keep in mind however, the IRS has actually developed nationwide averages for the fundamental needs. With an earnings of $40,000 each year, our single tax obligation customer shouldn't rely on being able to remain in his $250,000 house.

Fortunately is that the IRS has a law of restrictions. The IRS can not continue to accumulate from our tax obligation customer more than ten years after the tax obligation was assessed without suing him for an expansion, which is really unusual. In the case of our $40,000 per year tax customer, the taxes owing for 2000 were most likely evaluated at some point around 2002. The Internal Revenue Service has a "drop-dead date" in 2012. If it hasn't accumulated by that time, our tax obligation customer can likely relax easy that the tax financial debt for that year is gone.

As always, with fortunately comes the poor. A State such as Ohio does not have a statute of constraints. They can as well as will certainly seek our tax obligation clients permanently. We lately had a customer who possessed a car dealership over 20 years ago. He stopped working to pay sales tax in 1982. Greater than 25 years later on, the State of Ohio imposed him for the unsettled sales tax. Obviously, he no longer had any kind of paperwork to challenge the amount they declared he owed. Nevertheless, he did have pictures of the dealer, which were taken back in 1982. We had the ability to create these photos to the State of Ohio, in order to record the variety of vehicles he truly had in his inventory at the time. We had the ability to minimize his tax financial obligation by over $100,000.

Comparable to our cars and truck dealership, our tax obligation customer that makes $40,000 annually is not without hope. With quick participation on our component as well as cooperation from our customer, the wage garnishment can be stopped, before the employer has any knowledge of it. The key is instant action. If the IRS knows that a tax obligation expert will certainly be submitting a suggested resolution to the issue, any type of upcoming levy and/or garnishment will likely stay till a mutually-agreeable resolution is established. It is imperative that tax obligation problems be dealt with as promptly and also effectively as possible. Otherwise, our tax customer may find himself not able to pay his mortgage or make his car settlement, as the Internal Revenue Service has taken almost all of his $770 per week income.

#John Du Wors #John Du Wors Attorney #Tax Attorney

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ittousagi · 7 years

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Please Help Our Fundraisers

Having had no success with This Fundraiser at YouCaring.com, I’ve copied this fundraiser to GoFundMe.com, RIGHT HERE.

The material and goals of the fundraiser are the same, so now anyone can contribute to either fundraiser, or directly to us through PayPal at [email protected], or to PayPal.me/AaronVSteimle

It’s not so important that either of the fundraisers get completely fulfilled -- it’s more important that enough funds are raised to cover what the fundraisers are for.

So please help us by sharing these fundraisers and/or donating if you can.

Thank You!

Here is the text of the fundraiser:

We need your help to financially survive through the holidays and into the new year.

Since starting my latest job seven months ago as a Direct Service Provider for both people with Autism and people with Aging and Physical Disabilities, we have constantly struggled to catch up on paying our bills. It seems that when we get to the point of being able to meet our bill payment schedules, one emergency or another pops up, tearing away our bill-directed funds.

As is common in the DSP industry, I am paid only a little above minimum wage. Adding to this, a creditor has attached a 25% (post-taxes) garnish to my wages, so effectively I receive about 57% of the meager income that I work for.

I work around 50 hour per week, usually five days per week in split shifts, meaning that most days I leave our flat around 7:30am and don't return until about 7:30pm. This, of course, leaves me exhausted during my off times, too exhausted to work supplementary projects to boost our income and cover those recurring emergency costs.

To help compensate for this low income we cut ourselves away from luxury/everyday things; we subscribe to no streaming services (e.g. Netflix, Hulu, Amazon Prime), have no television services beyond over-the-air broadcasts, and have the lowest-costing flip-phone cell phone we can get for work and emergency calls. Most of our food comes from two food banks: one we visit once per week, one we visit once a month.

But even with our cost-cutting measures, we fall behind on a number of essential bills, which when we pay late we end up having to pay additional fees to cover late charges. This pulls even more money from other bills, leading those to be paid late with even more late fees. This vicious cycle compounds upon itself leading to the major predicament we now find ourselves in.

Right now we have three-month late bills for both our electricity and meager internet access, for half of our monthly rent, and for our car title loan payment and insurance. As of this writing I have 80 cents in my bank account.

We don't have money to cover these bills, let alone pay for our upcoming needed toiletries, clothing replacements, or even for any holiday celebration. So we're asking for your help.

If you can help us raise around $2500, then we will be able to pay our bills, bringing us even with the bill schedule and escaping the vicious cycle of late-payment issues. It won't get us ahead, but it will simply get us even, which is all we are asking for.

Please share this fundraiser with whomever you can and donate to help us out. With your sharing and helping, we can finally catch up with our bills and survive through the holidays and into the new year.

Thank you!

(The GoFundMe.com fundraiser has the “As of this writing...” line removed because time has passed and the number is now inaccurate.)

Again, thank you in advance for helping us with this fundraiser!

#Fundraiser #We Need Your Help

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instantdeerlover · 4 years

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Dispatches From Food Service Workers Across the U.S. ‘I’m Trying Not to Panic’ added to Google Docs

Dispatches From Food Service Workers Across the U.S. ‘I’m Trying Not to Panic’

Shutterstock/Kondor83

Restaurant employees from Kentucky, North Dakota, New York, Oregon, and Minnesota share their stories

Gregg Adams, line cook at J Harrods, Louisville, Kentucky

Massoud Violette-Sheikh, sous chef at the Heights, Ithaca, New York

Marlena Chaboudy, cook at A Frame Bar & Grill, Westhope, North Dakota

Rae Bullinger, former front of house at Rise Bagels, Minneapolis

Ashton Long, bartender, Portland, Oregon

If you’re a food service worker, Eater wants to hear your story. Please fill out this survey .

via Eater - All https://www.eater.com/2020/4/22/21229505/food-service-workers-tell-their-coronavirus-shutdown-experiences

Created April 22, 2020 at 08:39PM /huong sen View Google Doc Nhà hàng Hương Sen chuyên buffet hải sản cao cấp✅ Tổ chức tiệc cưới✅ Hội nghị, hội thảo✅ Tiệc lưu động✅ Sự kiện mang tầm cỡ quốc gia 52 Phố Miếu Đầm, Mễ Trì, Nam Từ Liêm, Hà Nội http://huongsen.vn/ 0904988999 http://huongsen.vn/to-chuc-tiec-hoi-nghi/ https://drive.google.com/drive/folders/1xa6sRugRZk4MDSyctcqusGYBv1lXYkrF

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easyfoodnetwork · 4 years

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Shutterstock/Kondor83 Restaurant employees from Kentucky, North Dakota, New York, Oregon, and Minnesota share their stories Last week, President Trump formed the Economic Revival Industry Group, a collection of 200 experts and industry leaders to inform the (possibly ill-advised) campaign to re-open the economy. The group, focused on restaurants, included numerous chain CEOs and celebrity chef-owners like Wolfgang Puck and Thomas Keller. And though the latter could hardly be expected to advocate for the needs of restaurant owners whose restaurants don’t have Michelin stars, there is another group notably absent from the committee: restaurant workers. Independent restaurant owners are struggling with the realities and uncertainties of life in a pandemic, whether it’s having to lay off employees or trying to keep people paid as the business pivots to take-out only. But for your average food service worker — servers, bartenders, line cooks, and baristas — there is even less support. Restaurant employees made up 60 percent of the jobs lost in March. Twenty-two million people filed for unemployment in the past four weeks, leaving unemployment websites overwhelmed. The Paycheck Protection Program, which offers federal loans in exchange for keeping employees on payroll, is out of money. All this adds up to millions of food service workers being left without a paycheck. Despite Trump’s plans, no one knows what the restaurant industry is going to look like on the other side of the pandemic. And so workers wait, hoping their restaurants will reopen, hoping they or their coworkers will be rehired, hoping there will be a workplace to come back to. As chains and fine-dining chefs are the only ones with access to the White House, it’s important to remember their experiences do not represent the restaurant industry as a whole. Whether or not restaurant workers, not merely restaurateurs, feel supported will be the true test of any government program’s success. With that in mind, we spoke to five restaurant workers across the country on what they’re experiencing right now. These are stories in their own words, edited lightly for clarity. Gregg Adams, line cook at J Harrods, Louisville, Kentucky The chef and I are the only kitchen staff left of four full-time and two part-timers. He takes a salary, I am on reduced hours, which means less money to repair the house and cars, much less save anything. Since this began we have been steadily losing customers. Our food isn’t geared for takeout, though we changed the menu some. Also, we made a lot of our money through drinks. Initially, the state only allowed the sale of closed alcohol containers, and some restaurants started selling flight bottles and half pints with soda or cup mixer on the side. Within a week, open alcohol sales were allowed rather than just packaged liquor, but it was too late for those who followed the rules. I’m hanging in there, but I’m lucky. Not much has changed for me and my family. My wife is on medical disability with fixed income and doesn’t leave the house much. My teenager already practiced social distancing. My 26-year-old is working 60 hours a week at a local coffee chain. My 25-year-old works for UPS. I’m blessed to have employment. I know three other cooks and two chefs who are unemployed. But I can’t plan anything for anything now. I’m wondering about my concert tickets and my child’s education if my older children will get sick, and what my options are in general. I’m trying to not panic. Massoud Violette-Sheikh, sous chef at the Heights, Ithaca, New York I am 23 years old and have been working in the industry for five years, starting as a dishwasher at the Heights. My start in the industry was mainly out of necessity — dishwashing offered good hours and the possibility of upward mobility in the restaurant. But the work ethic and our local food community was contagious; I wouldn’t want to be in any other industry, even in these times. I rose to sous this past year. In an area where we are financially dependent on Ithaca College and Cornell as our main contributors to economic stimulation, this has train-wrecked the local economy. At the Heights, all staff with the exception of our chef de cuisine have been temporarily let go. I think the post-pandemic dining landscape is going to be entirely different — staff cuts, wage cuts, and mandatory seating reduction will absolutely affect how we are able to eat. Even the most luxurious restaurants will have to cut back on menus, garnishes, and available reservations. I’m hopeful that diners will come out in droves after restaurants open up, but realistically that’s not likely. The social habits that we develop will linger. I spend a lot of time talking with my close friends and coworkers. Everyone just wants to be back in the kitchen — to be back home. As an individual I’m grateful for private grants such as the Restaurant Employee Relief Fund — programs like that are going to be our saviors. But our primary concern is how long our local independent restaurants, farms, and purveyors will be able to stay open. The debt to equity ratio in our industry is very high, and I expect to see places sink into irreversible debt. I hope customers will be patient as we get back on our feet; without their support, all that will be left is Chili’s and McDonald’s. Marlena Chaboudy, cook at A Frame Bar & Grill, Westhope, North Dakota Busy season is the beginning of spring through the end of summer. We are situated on Lake Metigoshe, and when the snow melts people start moving in their boats and readying their docks to enjoy their summer. We were all gearing up for that when the spread of the virus hit hard and hours were cut. Our place was then shut down for dine-in service and we tried to stay positive. I found out the secret was really not to make eye contact, because if I saw one of us start to tear up, it opened the floodgates for me. I’m behind in rent, my vehicle is in need of a few repairs. I had planned on moving closer to work — I live about 40 miles away — and found a place, but will have to come by money for the utility and house deposits and rent in order to do so. My fiancé and I live together, and he also works at the A-Frame as a dishwasher. He has filed for unemployment but has a limited work history and hasn’t paid in enough in the quarters to draw unemployment. And he won’t get the one-sum stimulus check either, and that’s going to hurt. Living in a rural community, you can’t count on anything for relief. You can’t count on the small town store to get a delivery truck, or go to the store the same day and be able to buy a roll of toilet paper or a dozen eggs. I can’t guarantee that my internet will be functional much less my phone service, and trying to even access the unemployment website can take all day. You go to the gas station for a treat and you never know if they are open because if they haven’t had enough business that day to justify keeping the lights on, or paying an employee to sit there, they close early. I don’t think the aid the government is giving is enough. Not at all! It’s getting bad everywhere. The people in the foodservice industry are the “blue collar” workers that everyone forgets about. We are not paid as much as the blue collar norm and making ends meet isn’t looking possible for most. Rae Bullinger, former front of house at Rise Bagels, Minneapolis We closed our dining room around March 16th, but kept our online and takeout phone ordering systems the same. After closing the dining room, it was fairly slow that first week, but we kept advertising the online and pick-up ordering and by the weekend our system just couldn’t keep up. On my weekend shift, we were so overwhelmed with online orders overnight that we actually had to turn the first customers away, because we were still trying to catch up with the online orders. The next day is when the owners decided to temporarily close. Before coronavirus, we had a good sense of how many bagels we needed each day of the week to fill our normal amount of orders. Once we started advertising more about online and phone ordering mid-March, our demand shifted to a point we couldn’t have predicted. Before I started my job at Rise Bagel, I was a graduate student in the psychology field. I had to take a leave of absence in October due to an inpatient stay for my mental health, and decided to put school on pause and pursue a new career in food sustainability. I thought getting my foot in the door at a local restaurant that focuses on local, organic ingredients and sustainable practices would provide me with some great insight. The job finally gave me a sense of purpose and control when I hadn’t had that in a long time. However, when we suddenly had to close, it was like my sense of purpose also disappeared. My job was the one thing that kept me feeling certain about my future. Uncertainty about my future at Rise has led to an increase in my anxiety around leaving school and my future career. I have many fears of having to start all over again, and it’s hard to stay motivated when I can’t gain restaurant experience from my home. Here in Minnesota, individual unemployment benefits are only given if you had made $3,000 or more before unemployment. Because I was in graduate school and had only been at my job at Rise for a few months, I did not meet this requirement and will not be receiving any unemployment benefits. For those making minimum wage (aka many of those in the food service industry), prerequisites like this may have some major impacts. I’m incredibly thankful to be living at home during this time with great support, but I couldn’t imagine being in a more dire situation and then denied benefits based on something I may not have had control over. I’m really glad something is being done for small business owners, but what really matters is what happens after this. A restaurant will only survive if better legislation is passed and people continue to visit even after social distancing orders are lifted. The attention and support food service employees and places are getting right now is amazing, but systematic change needs to occur for them to continue to survive. Ashton Long, bartender, Portland, Oregon We were all in an especially odd situation because we had just all been through training and had opened the restaurant, Bar King, to the public Monday, March 9th. Our restaurant closed down to the public on March 15th and began only providing takeout orders. Luckily, right now it is looking like we’ll be opening back up and all have our jobs back, but when? I don’t think anyone has even a clue. And that is terrifying. My partner and I moved here in early January of this year. Luckily, he works from home, but I set out to find a job as soon as I got here, and even with my experience and my resume, it took me nearly two months to find something because of how competitive the service industry staffing is in Portland. I exhausted nearly all of my savings and threw all of my faith into the fact that I’d find a job when I got here, and then I worked for literally two weeks and then lost my job. I don’t remember a time in my life where I didn’t have two jobs and work anywhere from 40 to 70 hours a week, so having this much free time, and on such an incredibly STRICT budget of one income, has been extremely challenging to fill. While I think the stimulus money is great, and quite literally a life saver for many — including me — unemployment has been a literal shit show and a nightmare to deal with. I still have yet to see any benefits or correspondence from either Michigan or Oregon to figure out what I need to do in this situation where I lived and worked in Michigan last year and Oregon now. While I do understand that having 2.2 MILLION people sign up for unemployment in the last month is overwhelming, if it weren’t for the stimulus check and my partner, I could very well be on my way back to Michigan right now to live with family. And as a 25-year-old who has never had to consider an option like that because I’ve always had work and savings, that is a horrifying and scary scenario. If you’re a food service worker, Eater wants to hear your story. Please fill out this survey. from Eater - All https://ift.tt/3cz9Lic

http://easyfoodnetwork.blogspot.com/2020/04/dispatches-from-food-service-workers.html

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