Can i insure my moms car
Top 7 Programs For Low Income Housing Assistance Plans
So you‘re a single mom or elder in today’s frantic, fast paced world and looking for government low income housing assistance. Often you find yourself wishing there were more than 24 hours in a day, so much to do and so little time to do it. Having a stable and concrete roof to live under in such times can truly be a blessing. Whether you already have one to support you, or you are looking to have such a thing to rely on, keep on reading to maintain the dreams that constitute as ‘your home’. Various Housing Grants and Housing Programs are available.
Some of the Housing Assistance Programs for available low income families are –
1) Ask if you are applicable for the ‘Hope for Homeowners(H4H)’ program passed by the Congress in 2008 or HARP program. H4H or HARP provides you with a new 30 year fixed mortgage if you and your lender agree to certain stipulations. This program should provide government housing assistance for low income families.
2) The Veterans Affairs Supportive Housing Program usually combine the grant money offered for housing with provision of clinical services.
Tip – One of the easiest ways as a single mother or a low income family to get the ball rolling is to pick up your phone and dial 211. 211 is a service that will connect you with emergency help finding affordable housing and providing basic human needs. In addition, 211 can also help with finding addiction prevention programs for your teenage children, find help for your aging parents, and can even help identify specific support groups that can assist with ongoing support. From mentoring and educational services to rent assistance to Meals on Wheels, 211 can hook you up with your communities resources. For further questions regarding housing assistance for single mothers and about what your state can specifically provide through 211, please feel free to access your state’s 211 website through http://211us.org/status.htm.
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3) If you are a single mother and need low income housing assistance, then you need to know about the HOME program. Each state is given a block grant from Housing and Urban Development, and then through a competitive application process of funds distribution determined by each state, it provides successful applicants with low-interest loans and grants to help finance their projects. Projects funded by HOME have strict requirements for rent controls, income eligibility of tenants and homeowners, housing development costs and long-term affordable requirements. So if you are a low income working single mother, ask your prospective landlords if they participate in the HOME program. The next available housing assistance for single mothers is –
4) Another great program that provides housing assistance for single mothers is the Housing Choice Voucher Program. Also known as Section 8 housing program, these government housing grants essentially mean that the government holds the responsibility to pay a specified amount to the landlord who offers a house for single moms and their children in which they may reside. This housing assistance for single mothers program differs from state-to-state and it is also important for you to visit each residence before accepting program assistance to insure that the offered residence will fit you and your families needs. Simply visit your state’s website and search for the Housing Choice Voucher Program to get started.
5) Housing Vouchers and Supportive Housing Program – Every area has 211, which means it is up to you to be able to access your community resources. The Federal Government allows families with annual household income less than 50% of the median income for the county or the metropolitan area where they are residing to receive housing vouchers that are administered locally by public housing agencies, known as PHAs. PHA housing grants, known as vouchers, are distributed by a network of 2,400 local, state, and regional housing agencies, and these vouchers allow single mothers to choose a residence, including the one in which they are currently residing in, and simply pay the difference between the actual rent charged and the amount of subsidy paid by the PHA. Some single mothers may also qualify to purchase the rental home provided the rental unit measures up to PHA standards. The PHA also has the Supportive Housing Program, which is designed to develop supportive housing and services that will allow homeless persons to live as independently as possible. To find your local Public Housing Agency that provides housing assistance for single mothers, you can visit the government’s Department of Housing and Urban Development [HUD] website or visit http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/pha/contacts. The application for PHA vouchers must be written. Either you or your local field representative will are able to fill it out, but the field representative usually needs to collect the following information in order to determine your eligibility for the program: the names of everyone who would be living in the chosen home, their gender, their birthdays, and their relationship to you; your present address and telephone number; your family characteristics, such as being a veteran or your minority status, as well as your family circumstances, such as your current housing situation, that might qualify your family for tenant selection preferences; the names and addresses of your current and previous landlords for information about your family’s residential history; an estimate of your family’s projected income for the next twelve months and where that income will come from; the names and addresses of your employers, banks, and any other information required to verify your income status and any qualifying deductions, as well as to verify your family composition; and you may also be required to allow the field representative to visit you in your home in order to interview you and your family members to see how you manage the upkeep of you current home. Once qualified, if you are offered a house or apartment and decide to accept it, you will be required to sign a lease with the PHA. Depending on your income levels, this may also require a security deposit. For some families, this means it is more beneficial to stay in their current home if they qualify to do so rather than seek a new residence simply because of the amount of income held in reserve. The next program available as housing assistance for single mothers is:
6) If you are a single mother with a disability, then the Shelter Plus Care Program [SPCP] might be for you. SPCP housing grants are for disabled women and are meant to provide both housing and other supportive services on a long-term basis for homeless or about to be homeless single mothers with disabilities and their families. Sponsored by HUD, these services are designed for families contending with serious mental illnesses, chronic substance abuse problems, or AIDS and other related diseases, to ensure that families dealing with those disabilities do not reside in places unfit for their health and safety. Disabled single mothers who are able to pay up to 30 percent of their monthly adjusted income for rent are eligible for housing assistance under SPCP.
7) Finally, many states and communities offer their own state and privately funded programs and grant opportunities for single mothers. Check out the Rural Development Housing and Community Facilities by USDA. From supplemental rental assistance that fills in the gaps between Federally funded vouchers to grant programs that offer blocks of money to assist in maintaining a safe and healthy residence, many of these programs bridge the gap and further assist the bottom lines of many single mothers. To access these housing assistance for single mothers programs, it usually just takes one phone call to your local Department of Health and Human Services to start the ball rolling.
Government Housing – Making Home Affordable video
Public housing assistance and Low income housing assistance is provided by the government and this video highlights the Government Program
I Need Help in making Housing Payment – What do I do?
If you have fallen behind on your payments, you may want to discuss the following foreclosure prevention options with your loan servicer: a) Reinstatement – You pay the loan servicer the entire past-due amount, plus any late fees or penalties, by a date you both agree to. This is for those people whose payment problems are temporary. b) Repayment plan – Your servicer gives you a fixed amount of time to repay the amount you are behind by adding a portion of what is past due to your regular payment. This may be appropriate if you’ve missed a small number of payments
HUD Housing Assistance for single mothers
Here is a step by step guide for HUD housing assistance for single mothers and others – Step One – Get in touch with the nearby HUD center outlined within the authorities area with the telephone guide. You’ll be directed to a nearby housing authority workplace. # Two: Contact for an appointment. Inquire whether or not you’ll require to deliver in any info or documentation like spend stubs or other statements. # Three: Go in and fill out an help software. You will be needed to voice concerns about who will probably be residing with you, your earnings and any unique requirements. # Four: Determine just how much rent will be payed by the housing subsidy program # Five: Figure out whether or not your family members count and earnings make you qualified for rental subsidy or other housing help. # Six: Fill out an software for Section 8, a lease subsidy, if you’re qualified. The housing authority HUD will provide the software in the event you meet the specifications. # Seven: Inquire the HUD to offer a checklist of inexpensive housing lands available inside your region. The majority of these government-subsidized housing models drop as Section 8. # Eight: Discover out which form fits the “rental certificate program” and which fits as the “rental voucher system.” They are each Section 8 housing program applications. # Nine: Get in touch with the landlords or managers of those interested properties to organize a walk-through
Housing Assistance For Single Mothers – Considerations
If you are looking to buy a house, various factors should be under your consideration. Only after you are well versed in the local market trends should ever consider making a Real Estate purchase of any sort in that locality. Some places have a more upward trend in terms of their value, and the US Statistical Data indicates there are many places whose value has risen beyond expectations in the short duration of a few years. On the other hands, there are many neighborhoods that have hardly been able to maintain their Estate Value over the last decade with many areas actually dropping down in terms of Market Value. So an accurate knowledge of the local market trends can be instrumental in the pursuit of your dream home. You may even choose not to actually make a purchase but actually decide upon renting out a place. This is a very intelligent decision, especially for that person who does not have the luxury of being certain the duration of her stay in a certain place. An unplanned or hurried sale of your Estate could result in you having to sustain losses of up to 15-20% on the original value. The following programs are available for housing assistance for single mothers. Top Related Links:
|Emergency Housing||Single Mom Shelters||Home Loans For Single Mothers||Rental Assistance For Single Moms|
Learn also more about – Financial Assistance Grants for single mothers Financial Help Return to the top The HUD Housing Assistance program is available for all. It is important to take advantage of government housing assistance for single mothers that is available
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This entry was posted on Tuesday, April 13th, 2010 at 4:01 pm and is filed under Housing. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
When shopping for car insurance, it can be tempting to reduce your rates by choosing lower amounts of coverage or by raising your deductibles. These are, of course, the two most obvious factors that affect the cost of your auto insurance.
You may not realize it, but your overall rate is also affected by many more different factors – some of which you can control, and many of which you cannot. However, knowing what affects your rate can help you make a more informed decision when purchasing insurance, and can help you know exactly what to do to lower your expenses.
Your gender, age, marital status, geographical location, and credit score all affect your insurance rates in different ways.
1. Gender and Age
Young men usually incur higher rates than young women as statistically, more male teenagers have accidents than female teenagers. However, older men generally have better rates than older women. Some evidence suggests that older women are in more minor accidents than older men – though the difference in premium costs usually isn’t drastic.
2. Marital Status
Married people tend to have fewer accidents than single people; therefore, getting married (especially for men) can significantly lower your rate. How much your rate decreases depends on your previous driving history – if you are a man who has never been in an accident and has a clean driving record, you could see your rates nearly halved.
3. Where You Live
Because most traffic accidents occur close to home, the area you live in greatly affects your rates. More densely populated neighborhoods with more cars mean you are at a higher risk of accidents, theft, and collisions with injuries.
Repairing your car also costs more in some areas, and some areas have higher rates of theft. Plus, in this economy, many urban areas with high unemployment rates have a lot of uninsured drivers, as many people can’t afford to insure their cars. Detroit and Philadelphia are two of the most expensive cities in which to insure a car, as they both have high traffic density and high rates of uninsured drivers.
4. Credit Score
Many insurance companies take your credit score into account when determining your rate. There is no specific point at which your credit score begins to affect your rate, but in general, lower scores mean higher insurance premiums.
Auto insurance companies may also make correlations between a person’s risk of accident and their profession, and they can adjust your premium accordingly if they think you’re more likely to get in an accident. For example, delivery drivers and journalists are on the road constantly, and thus are more likely to be in an accident, whereas airline pilots often just drive between the airport and home, and don’t spend much time on the road. Others, such as police officers, paramedics, nuns, and insurance underwriters, often receive a good rate, as they are seen to be more careful than the average driver.
The car you drive significantly affects your rate, since some cars are more likely to be stolen, lack safety features that prevent accidents, or cost more to repair.
6. Safety Rating
Owning a vehicle with a high safety rating means there is a lower chance of needing to pay for your or your passengers’ medical bills – therefore, your rate will be lower. Owning a car with a lower safety rating, however, will usually result in a higher cost.
The safety rating is based on several factors, including the likelihood of the car’s owner getting into an accident, and also how likely a passenger is to be injured in an accident. Safety features such as airbags, automatic seat belts, and traction control help make your car safer, which makes you less likely to get in an accident, as well as making it less dangerous.
7. Vehicle Size
Larger cars are generally safer than smaller cars in an accident. Therefore, many larger cars with good safety ratings have lower premiums than smaller cars with otherwise similar ratings. However, cars with larger engines relative to body size tend to have higher rates – for instance, insurance for a sports car with a V8 engine costs much more than a small car with a V4 engine.
8. Age of the Car
Though the repair costs of an older vehicle are similar to the costs of a newer vehicle, an older car is more likely to be “totaled” in an accident. This is because the cost of significant repairs needed for an older car can often be higher than the vehicle’s entire worth. Therefore, it is likely that the owner would simply discard the vehicle and replace it, rather than paying for repairs.
Since the cost to replace a new car is much higher than to replace an old car, newer cars are not considered to be totaled as often, and generally have much higher collision coverage rates than older autos. The higher coverage translates to a higher premium for a newer car.
However, if your car is quite old, you could probably drop the collision coverage altogether and simply save the money to buy a replacement jalopy if you get in an accident.
9. Likelihood of Theft
Some cars are more attractive to thieves than others, and a car model that hits the top 10 most stolen list is likely to have higher rates than one that’s not a likely target. But if you have a car alarm or other anti-theft features, this can lower the premium.
Personal Driving Habits
While the above items do influence your overall rate, the most important factor in determining your insurance costs is your personal driving record.
10. Driving History
If you have been in accidents, received any tickets, or made previous auto insurance claims, the insurance company has learned that you’re more likely to make another claim than a similar driver who doesn’t have any blemishes on their record. If your driving record is bad enough, some insurance companies will refuse to give you insurance at all.
Fortunately, these blemishes tend to become less important over time. So if you had some wild years with a few tickets or accidents in your past, making an effort to drive more slowly and carefully in order to avoid future problems can pay off in time. Most tickets and non-injury accidents stop affecting your rate after three years, and injury accidents generally do not affect your rate after five years. A DUI ticket can affect your premium for up to 10 years, however, and many companies won’t insure someone with one.
11. Driving Activity
Some companies can alter your rate based on what you use your car for, the distance you drive, and where and when you drive. Business commuters usually put more miles on their car, and the more you’re on the road, the more likely you are to get in an accident. You may be able to get a discount on your insurance if you don’t drive the car much, or don’t use it to commute to work. Plus, if you can keep your car in a secure location, such as a garage, it’s less likely to incur damage, which lowers your rate further.
Paying for car insurance is a major part of the cost of owning a car, so anything you can do to lower the rate is beneficial for your budget. Many insurance companies also offer additional discounts if you also purchase renter’s insurance, homeowner’s insurance, or other types of insurance as part of a bundle, or if you use alumni or fraternal group associations to get discounts.
What other tips do you recommend to reduce your auto insurance premium?
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Read the Spanish version: Cuando un amigo tiene un accidente con tu carro: Normas de responsabilidad civil con automóviles
If you drive your car and cause an accident, your car insurance will pay for the damages you cause, as defined in your policy. If your friend drives and crashes your car, you may assume that he -- and his car insurance -- will pay for damages. In fact, you are on the hook. Here are a number of accident scenarios and what you can expect to happen.
Scenario No. 1: Your friend drives your car and causes an accident with minimal damage to your car only.
If you loan your car to a friend, he damages your car and both of you have car insurance, normally your insurance will pay, under collision coverage, and you'll have to pay your deductible. The reason? Most auto insurance policy insures your vehicle plus you, any relative or anyone else who uses your car, if the use reasonably is believed to be with your consent. Insurers refer to people you allow to operate your car as permissive drivers.
Scenario No. 2: Your insured friend drives your car and causes an accident with a lot of damage.
Let's say the accident your friend causes results in serious bodily injury to others and property damage. Liability coverage consists of two parts: bodily injury liability and physical damage liability. Liability insurance follows a car first and driver second. That means the car owner's policy covers the driver and all passengers in the other vehicle for bodily injury. The car owner's liability also covers property damage caused by his or her car. Liability insurance also covers the cost of your legal fees in the event that you are sued.
But if the damage exceeds your insurance liability limits, the courts can attach your personal assets, such as your home, to recover damages. Liability coverage won't pay for damages beyond the limit for which you are insured.
If your liability limits are not enough to cover all the damages inflected on the other party, your friend's auto policy may be looked at secondary coverage. Cases in which you and your friend's insurance policies share the cost of the accident are known as "pro rata." For example, say your friend causes $22,000 in property damage while driving your car. You have $10,000 in property damage coverage and your friend has $25,000; total coverage available is $35,000. Typically, in pro-rata cases, your insurance would pay the up to your limits, $10,000 and then have the other party look to your friend's insurer for the remaining $12,000. However, some insurers will pay the entire amount of damages and then seek compensation from your friend's insurer to recover the amount not covered by your policy.
If your friend was injured and has on his auto policy personal injury protection (PIP), he would claim against his policy for this. PIP is different and follows a driver first and car second, meaning if he didn't have PIP and you did, then he could claim against your PIP coverage.
Scenario No. 3: Your uninsured friend drives your car and causes a lot of damage.
Lending your car to an uninsured friend can land you in a world of hurt. In this case, your uninsured friend has put you in a really bad spot. If the damage your friend causes exceeds your policy limits, the injured party can come after you for medical and property-damage expenses.
Scenario No. 4: Your unlicensed friend drives and crashes your car.
Letting a friend that doesn't have a valid license, either without one altogether or under suspension, is a bad idea. Many car insurance policies include an exclusion of coverage if the driver of your vehicle doesn't have a valid license. And if he doesn't have a license, it's doubtful he'd have auto insurance. This would leave you and your friend responsible for any damages he caused in an accident. You can say it wasn't you driving, but car owners have vicarious liability for anyone they allow to use their vehicle. Basically, this means you can be held liable along with the driver for their actions behind the wheel.
Scenario No. 5: Your friend drives your car without your permission and crashes it.
You're not likely to be held accountable for the damages because your friend borrowed your vehicle without your knowledge. In this case, your friend's insurance (assuming he or she has it) will kick in first. If your friend is uninsured, you'll probably need to use your collision insurance to cover the damages to your own vehicle and your liability insurance may cover damage to others' property.
Bear in mind that insurance companies will assume a friend has permission to use your car unless there are clear indications that you denied permission, such as a drunken friend who drives away in your car without your knowledge or authorization. Someone you know using your car without your permission is termed "unauthorized use" instead of theft and usually means your insurer will not pay for damages if that person is in an accident in your vehicle. You may have to make a report with the police on the unauthorized use if the person does crash and you don't want your auto insurance policy used for claims (since these claims can affect your future rates).
Scenario No. 6: Your car is stolen and then crashed.
If the thief crashes into someone or something, you won't be held responsible for the damages done to other people and their property, but you probably will have to use your comprehensive insurance to pay for the damage to your car. Don't count on the thief having auto insurance, let alone enough money to spring for repairs and medical expenses. Even if the thief is caught and has insurance, his company won't pay for damages resulting from his criminal act.
Before allowing anyone to drive your vehicle, think about the consequences. If the driver is unlicensed, it can keep your insurer from paying for accidents -- and in some states get you cited by police. Your auto policy follows your vehicle, so claims that arise from a friend wrecking your car will go on your policy and affect your future car insurance rates. Think about that before handing over the keys to your car.
If you've been paying higher rates after an accident your friend caused, it my be wise to compare top-rated auto insurance companies to see which ones might give you a lower rate.