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The Julian News
Julian , California
December 10, 2014     The Julian News
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December 10, 2014

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December 10, 2014 Alerting, To Mortgage Resources (NAPSA)-There's good news for homeowners who are having a tough time making their mortgage payments. There is a free federal program that just may have the solution, even if you're not behind on your mortgage. The program-Making Home Affordable, or MHA-launched in 2009 and is a critical part of the administration's strategy to help homeowners avoid foreclosure, stabilize the country's housing market and improve the nation's economy. A Range Of Solutions MHA offers a range of solutions, including lower monthly mortgage payments for struggling homeowners, as well as options for unemployed or underemployed homeowners and those who owe more than their homes are worth. To date, it has helped more than 1.5 million families nationwide. Unfortunately, there is evidence that there is still a need for the program, which was recently extended through at least December 31, 2016. Nearly one in 17 homeowners has fallen behind on his or her mortgage. There is speculation that many of these homeowners may be unaware that MHA has expanded its options. Increasing Awareness In an effort to increase awareness of MHA's free resources and assistance for struggling homeowners, the U.S. Department of the Treasury. (Treasury), the U.S. Department of Housing and Urban Development (HUD), and the Ad Council have launched a new series of public service advertisements (PSAs) as part of their Foreclosure Prevention Assistance campaign. Help Is Available Said Treasury's Deputy Secretary Sarah Bloom Raskin, "This new PSA campaign is our latest effort to raise awareness of the free government resources available through Making Home Affordable to assist struggling homeowners in avoiding Since its inception in 2009, the federal MItA program has provided mortgage help to more than 1.5 millionfamilies nationwide. foreclosure." "Although the housing market and economy are making a steady recovery, many struggling homeowners would still benefit from the one-on-one counseling services a HUD-approved housing agency can provide them," said Federal Housing Administration Commissioner Carol Galante. "We hope this effort to educate homeowners will lead to many more families using these free services and getting the help they need to stay in their homes." Reaching Those In Need "While MHA has already helped so many across the country, our research shows that many families continue to rebalance their finances-to meet their mortgage payments. They know they need help but don't know where to find it," said Peggy Conlon, president and CEO of the Ad Council. "We hope the advertising will reach those in need, letting them know they don't have to face this problem alone and inspiring them to reach out for help." With that in mind, Chicago- based advertising agency Schafer Condon Carter (SCC) created the new TV, print, radio, outdoor and digital PSAs pro bono, to strongly encourage homeowners not to give up hope and remind them that there are free resources available to help. "This new campaign will broaden the reach of MHA and extend the message of its benefits to more Americans who are struggling every day to meet the financial demands of their mortgages," said David Selby, president and managing partner of SCC. "The advertising seeks to resonate with these homeowners by acknowledging the commitment they make to keep their homes while letting them know that there is additional help available." The PSAs, which are available in English and Spanish, direct homeowners to call 888-995- HOPE (4673) to speak one on one with experts at HUD- approved housing counseling .agencies about solutions based on each family's individual circumstances. The hoUine is available 24 hours a day, seven days a week. Additionally, the campaign drives homeowners to for program eligibility and information. Since the campaign was launched in 2010, media outlets have donated over $135 million in airtime and space. To learn more, visit www. makinghomeaffordable'.gov/ about-mha. Embrace Your Weird Beard This Winter (StatePoint) Most men say their facial hair defines them, according to a recent survey conducted by Schick Hydro. However, 72 percent of men have experienced facial hair growing woes, such as patchy chin growth. In addition to being beard- challenged, men are also bullied, with over ,half of men surveyed continued on page 10 The Julian News 9 What You Need To Know About Taxes And Health Insurance More than 8 million Americans signed up for insurance through the federal or a state-sponsored marketplace. (NAPSA)-In the first year that most Americans were required to have health insurance, more than 8 million individuals got insurance through the federal or a state-sponsored marketplace. If you can count yourself among those 8 million plus with marketplace insurance for any part of 2014, you're required to file a federal income tax return and report some simple information on your return. "Your marketplace will send you Form 1095-A, Health Insurance Marketplace Statement, by January 31, 2015/' said Jessi Dolmage of TaxACT. "When your tax program asks for it, simply enter the information on the form. The program will do the necessary calculations and complete your tax forms." In addition to the health insurance mandate, the Patient Protection and Affordable Care Act enacted a premium tax credit for individuals purchasing insurance through a government- sponsored marketplace. The credit amount is awarded on a sliding scale based on your householdsize and income. Generally, the lower your householdincome, the higher your premium tax credit to help cover the cost of marketplace .health insurance. Requirements for the credit include: You are ineligible for such government programs as Medicare, Medicaid or CHIP. You. do not have employer- sponsored insurance or the lowest-priced, self-covered plan meeting minimum essential requirements offered by Your employer costs more than 9.5 percent of your annual household income. Your annual' household income is 100 to 400 percent of the federal poverty level. For the 2014 credit, that's $11,490 to $45,960 for an individual. (Hawaii and Alaska residents are subject to different amounts.) 'ou cannot be claimed as a dependent on someone else's tax return. Your filing status generally cannot be "married filing separately." If qualified, you had the optiod of receiving some or all of the credit in advance, with payment sent directly to your insurance company, thereby reducing your monthly premiums. Alternatively, you could pay for your marketplace insurance throughout the year, then claim the credit on your tax return, either reducing your federal tax owed or increasing your refund amount. Regardless of your choice, whether you qualified for the credit and how much credit you received were based on your best estimate of your 2014 household income and family size at the time you applied for marketplace insurance. If your actual household income was more than the estimated amount, you may need to pay some of the credit back. If your income was less than estimated, you may qualify for a higher credit amount and therefore receive a larger refund. "Everyone who received the advanced credit or plans to claim the credit can still do their own taxes," said Dolmage. "All you have to do is answer simple questions. The tax program will complete the calculations and tax forms to reconcile your income and family information with the premium credit to make sure you get every dollar you deserve." If you reported all income and family changes to your marketplace as they happened in 2014, your tax liability or refund amount is less likely to be affected by your premium credit. Dolmage recommends doing your 2014 taxes beforehand to help estimate your 2015 income if you plan to apply for marketplace insurance and the premium credit during the next enrollment period, November 15, 2014 through February 15, 2015. Learn more about the premium tax credit at and To file your federal taxes free with TaxACT Free Edition, go to www. Out Of The Box Players Is Auditions For Its First Play Of The 2015 "Outrageous Fortune" by Rebecca Salomonsson and directed by Juliana Stewart Auditions - Thursday, January 15, 2015, 4pm, BBS Playhouse (321 12th St, Ramona) Rehearsals will be Mondays and Thursdays 6-8p at BBS Playhouse (321 12th St,, Ramona) with performances the last two weekends in April - 17, 18, 19, 24, 25, 26. Rehearsals start Feb 2 with an all cast read through. Adult and youth cast combo. Adult ,roles already cast and 17 youth roles to be cast. 6th grade is minimum age for auditions. Auditions will be cold readings from the script. More info may be found on our website outoftheboxplayers. and Facebook page Out of the Box Players - Info on rehearsal/performance schedule and how to check out a script. We have our own private parking lot behind the office... entrance off 'C' Street ORNER WWW. lan-prope TREET P.O. Box 1000 Julian, CA 92036 CA BRE Lic #00859374 A very special property which has not been offered for sale before! SPECTACULAR VIEWS The expansive view is absolutely fantastic from this lovely home on 34 acres high on SPACIOUS HOME NOT FAR FROM TOWN Nice large two-story home was built in 2003, It is over 2900 square feet, three bedrooms - master bedrooms on both floors plus another bedroom, and 3.5 baths, bonus/office room. On a nice corner half acre lot. Granite counter tops in kitchen, l aundryroom, tile and carpet throughout. Large deck with nice views. Priced Right at $460,000 a hill. It is very private but not far from historic downtown Julian. The house has an open floor plan with adjoining living room, dining area, kitchen and family room. ii VERY NICE HOME IN "TOWN" - PRIVATE SETTING ... Just two blocks off main street - an easy walk to stores, restaurants, library, schools and most There are 3 bedrooms and 2 spectacular rock fireplaces. The 100 foot long deck is great everywhere in town. Located on a (almost half acre) corner lot with large trees and landscaping. for outdoor living and allows for even more view enjoyment particularly on a clear Fireplace in the living roon; separate dining room, great kitchen with breakfast area, three bedrooms, day - all the way to Catalina Island, San Clemente Islands and the ocean, double garage and additionaIparking area, secluded back yard with some spectacular sunset views. Priced at $785,000 Priced at $415,000 Rose Steadman, Broker / Owner email: lilyroy@sbcglobaKnet CA BRE Lic #00859374 Kirby Winn, Realtor Associate emaik CA BRI Lic #00326128