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How to add your COVID-19 vaccine card to Apple Wallet ...

20-01-2022 · You can use a QR code or an official health record, and store and present it either from the Health app or Apple Wallet. You can scan the QR code with their camera, tap the Health app notification ...

20-01-2022

With iOS 15.1, Apple debuted a brand new feature related to the COVID-19 pandemic. It allows you to store your proof of vaccination directly in your Apple Wallet, making it easy for you to access and present if needed in locations that require proof of vaccination. The iOS update offers some options that let iPhone owners keep a verified copy of their COVID vaccine cards handy. Note these general instructions can vary depending on your location and your vaccine provider.

Apple lets you store your provider's vaccine and test records within the Wallet or Health app or both. Before getting started, make sure you find out how your vaccine provider stores your vaccine information and the method it uses to give you that information.

Apple offers alternative ways to show verifiable proof of COVID-19 vaccinations. You can use a QR code or an official health record, and store and present it either from the Health app or Apple Wallet. You can scan the QR code with their camera, tap the Health app notification, and add it to the Wallet and Health apps. Or you can download a verifiable health record from your provider and add that to the Health and Wallet apps.

If you already have your vaccine record in the Health app, you can just add it directly to Wallet. The Wallet card shows your name, which COVID vaccine you received, the dates of your doses, the health care provider, and a QR code.

Selected states, providers, and pharmacy chains already use an Apple-compatible framework for verified vaccination records, including California, Hawaii, Louisiana, New York, and Virginia, as well as some retail pharmacies and electronic health records vendors.

Participating pharmacies and retailers include CVS, Walgreens, Walmart, Stop and Shop, Hannaford, Big Y, Price Chopper, Wegmans, Rite Aid, and Costco. These retailers let anyone who received a vaccine from any of their outlets request an electronic vaccine record online. You must either log into your account online or show up at any store. Be prepared to show your ID and some personal verification information.

Note that you can't store COVID-19 test results in Wallet right now. In our testing, the health app also did not record booster shots. If you have an Apple Watch paired to your iPhone, the vaccination card gets added there too, if your watch is running WatchOS 8 or later.

how add your covid 19 vaccine card apple wallet qr code

Using a QR code

Some providers can give you a QR code that you can scan using your iPhone to extract your vaccination information.

Sure, you can use your Camera app to photograph the front and back of your vaccination card, but that is not considered proof of vaccination, as you can edit and otherwise tamper with that photo.

Vaccination and test result records are downloaded in a verifiable format much the same way as a registered digital signature, only in this case, signed by the vaccine provider. Verifiable health records have a checkmark in the Health app that ensures they have not been tampered with.

Step 1: Open the Camera app and point the rear-facing camera directly in front of the QR code on your computer screen.

Accessing COVID-19 information on iPhone.
Apple Health app verifies COVID-19 vaccine information.
COVID-19 info to add to Health app.

Step 2: When the QR code appears in the Camera's viewfinder, your iPhone will recognize it and bring up the Health app. Tap the Add to Wallet and Health button. Your vaccination record will then appear in both places.

You can view and display the card at any time in the Wallet app. The card shows your name, vaccine type, dates of the doses, the provider, and the QR code.

Using a downloadable file

You can download and store verifiable vaccination and test result records in the Health app.

Step 1: Depending on how your health provider operates, you can also request a downloadable health record of your COVID-19 vaccine information.

how add your covid 19 vaccine card apple wallet download health information

Step 2: Tap Add to Wallet & Health to add the record to the Health app and the Wallet app.

how add your covid 19 vaccine card apple wallet covidpass20
COVID-19 vaccine verification in Apple Health app.
COVID-19 vaccine verification in Apple wallet.

How to show your verification, if needed

Now that your vaccination record is safely tucked away in your iPhone, here's what to do if you ever need to use it.

Step 1: If you own an iPhone model that supports Face ID, double-click the side button. For iPhones with a Home button, double-click the Home button.

Step 2: Find your vaccination card in the Wallet app, and tap it. If needed, authenticate with Face ID, Touch ID, or passcode.

Step 3: Present the QR code to the reader, or you may have to verify your identity via a driver’s license or photo ID.

Step 4: Conversely, if you want to remove your vaccination verification from Apple Wallet, just pull up your vaccination card and tap the three-dot button at the top right. On the resulting page, tap the Remove Pass button. This removes the card from the Wallet app as well as your Apple Watch.

Wallet app with vaccine card.
Remove vaccine ID from Apple Wallet.

Apple consistently reassures its iPhone customers about the security and privacy of their vaccine information — as well as other data stored in its Wallet and Health apps. Vaccination information is stored on the device, not in the cloud, and Apple never sees or has access to this personal data. Vaccination card information cannot be shared with other users or devices. The only way to access, view, or display vaccine verification is via Face ID, Touch ID, or passcode.

Some approved third-party apps can have access to vaccination data on a one-time basis if users consent to share their immunizations and lab results, but Apple demands strict encryption practices and prohibits outside vendors from using this information for advertising or selling. Vendors must provide a privacy policy and an option for users to request deletion of their data.

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Kalahari Resort, Wisconsin Dells - Everything you NEED to Know

29-12-2021 · Kalahari Resort in Wisconsin Dells is a Safari-themed waterpark hotel, with an outdoor waterpark, indoor waterpark (the largest in the state, in fact), and on-site adventure park. Because of the fun attractions, this is a great place for families with teens and young children, but it also has meeting and convention facilities.

29-12-2021

The Kalahari Resort Wisconsin Dells needs no introduction if you’re from Wisconsin or the Midwest. We’ve been going to the Dells our whole lives. It is the place we went in the summer for some outdoor waterpark fun and in the winter to a waterpark hotel. 

Wisconsin Dells is a city in southwestern Wisconsin, along the Wisconsin River. It is widely known as the waterpark capital of the world, thanks to an abundance of theme parks, waterparks, and water sports adventure activities all over the city. Out of all the Wisconsin Dells Waterpark hotels, Kalahari Resort is one of the best-known.

Kalahari Resort in Wisconsin Dells is a Safari-themed waterpark hotel, with an outdoor waterpark, indoor waterpark (the largest in the state, in fact), and on-site adventure park. Because of the fun attractions, this is a great place for families with teens and young children, but it also has meeting and convention facilities. Between all the activities, themed design, and top-tier hotel facilities, Kalahari Resort is one of the best waterpark hotels in Wisconsin Dells.

Things to do in Wisconsin Dells

high drone photo of the slides and lazy river at the Outdoor waterpark of the Kalahari in Wisconsin Dells

Outdoor Waterpark

The Kalahari Wisconsin Dells outdoor waterpark (called The Zambezi outdoor waterpark) is 75,000 square feet and has no less than nine different individual water activities.

For more moderate and slow-paced activities, there’s a 750-foot-long lazy river where you can peacefully float along in a tube. It winds around the entire outdoor area, so you can get a good view of the whole outdoor park. If you’d rather stay put, check out the outdoor whirlpool spa. Parents with younger kids will have fun exploring the Splashdown Safari, a multi-level tree fort with slides and tipping buckets.

But, most visitors to a waterpark are looking for a little heart-pounding excitement. The slalom water slides, appropriately called the Extreme Rush, zigzags left and right suddenly as you zoom along. These are the only slalom slides in the whole state. Or try the Zimbabwe Zipper, a spiraling flume slide that will have you sliding down the tube at over 40 miles per hour.

Panorama photo of the Kalahari Resort Outdoor water park as seen from a hotel room

And then there are the tube slides, where you ride an inner tube while also zooming down different kinds of water slides. The Wild Wildebeest is a fast water slide for a tandem tube, meaning a double inner tube with a spot for two riders (and hand grips so you can hold on tight).

The Anaconda is a single-rider tube slide that has sharp turns and even sudden drops, and the Swahili Swirl has a high speed funnel slide that will have you swirling around and around before plummeting into the pool below.

water slides at an outdoor waterpark hotel in Wisconsin Dells - Pin

But of all the slides, The Smoke That Thunders is the most intense of all the rides, perfect for anyone chasing a bit of adrenaline. It features a high-speed ride through a dark tunnel, swirling through a funnel, and an almost vertical drop into the catch pool.

If you get hungry, you don’t need to go far. The outdoor waterpark has a dining spot called the ZanziBAR, which serves things like french fries, breaded chicken strips, and corn dogs. It hits the spot for a quick bite to eat. The outdoor waterpark is open from May to September.

View of the indoor water park at the Kalahari with a large lion statue and many water slides

Kalahari Resort Indoor Waterpark

At over 125,000 square feet, the Kalahari’s indoor waterpark is the largest in Wisconsin. And with a waterpark that size, the list of activities is extra long.

If you’re looking for the standard water slides, you won’t be disappointed. The Sahara Sidewinders is a 250-foot ride that will have you hurtling along, sometimes vertically, and through a 360-degree loop into the pool. Or, try the Tanzanian Twister, where you’ll zoom around and around in the funnel slide before free falling into the catch pool underneath. If you’re really adventurous, try the Screaming Hyena, a drop slide that starts 60 feet in the air.

There are several tube slides if you’d prefer to sit in something comfy while you zoom. The Elephant’s Trunk is a tandem tube slide that extends over 270 feet. The Rippling Rhino, meanwhile, is the largest group slide meant for groups of 2 or 3 and has drops, sharp turns, and a big splash into the catch pool underneath.

Little ones who may not be ready for the bigger rides will still be able to have fun: the Leopard’s Lair is a multi-level water tree fort with mini slides, a shallow pool, and water cannons that fire at random. Tiko’s Watering Hole is perfect for young kids who just want to get used to being in the water, with a zero depth pool and mini water slides. The mini wave pool is equally fun for young kids.

group of colorful water slides at the indoor water park of the Kalahari resort

The indoor waterpark has some very exciting rides that are unique to Kalahari. The Flowrider is a mock-surfing ride where you can practice your surfing and balance skills on a wave simulator, and the Master Blaster, a 570-foot long water slide with a rollercoaster-like blast start. And the newest attraction is the underwater Virtual Reality, where you can feel like you are exploring brightly colored reefs underwater, or the endless galaxies of outer space.

There are a few options inside the waterpark for food and snacks. The Mud Hut swim-up bar serves signature cocktails or ice-cold beer for adults who want a refreshing drink. The Cracked Coconut, Safari Snacks, and the Zulu Grill serve gourmet burgers, pizza, salads, fresh sandwiches, and more.

Thanks to Wisconsin’s continental climate and frigid winters, the indoor waterpark is open year-round. The facility loans complimentary life jackets for any children under the minimum height to ensure safety.

Entrance and red haired Mascot of Tom Foolery's Adventure Theme Park at the Kalahari Resort

Tom Foolerys Adventure Park

As if the Kalahari Resort’s indoor and outdoor waterparks aren’t enough excitement, the hotel also has an adventure park right on the grounds. Tom Foolerys Adventure Park is a 100,000 square foot theme park with no less than 21 separate games, activities, and attractions. As a guest of the Kalahari Resort, a wristband is provided with access to the adventure park. Several attractions are included with this wristband, and some cost extra.

For younger kids, there’s an African-themed carousel ride (with safari animal rides), the Sky Rangers mini roller coaster, and the Lil Toucans rope-climbing course.

For older kids, there are endless things to do. Active kids will love the Conqueror’s of Mt. Foolmore, an indoor rock climbing wall, a laser tag arena with four individual courses, and the Toucan Climb, a three-story ropes course for ambitious climbers.

Rides

If you’re looking for the kind of ride you might find in a theme park, Tom Foolerys has those too. There’s a Ferris wheel that stands over 6 stories tall, the G-Force 1 ride which sways, spins, and swings like a pendulum, a 50-foot high drop ride, and even a zip line.

Virtual reality games are becoming more and more popular and this theme park has over ten. The most popular include the XD Dark Ride, which combines an amusement park ride with VR technology inside a 5D theater, the Arizona Sunshine, which takes you through a zombie apocalypse, and the Arena Ultimate VR, the highest quality VR game where your body feels transported into the narrative.

Some of the other activities you can find at Tom Foolerys include an Egyptian-themed escape room, a 24-lane bowling alley, a 200-game arcade room, and a two-story go-kart track where you can safely race against other drivers. And it’s not all for kids: adults will enjoy the golf simulator game where you can practice your golf swing.

Entrance and signage for Wisconsin Brew Pub located inside the Kalahari Resort in Wisconsin Dells

Kalahari Food Services

Kalahari Resort has so many dining options that you’ll never need to leave the hotel, and you might not even eat at the same place twice. It’s important to note that Kalahari is not a nut-free resort, so food allergies are important to discuss with your server. The resort has many different levels of dining, like buffets, drink lounges, snack bars, and higher-class sit-down restaurants.

Those looking for a quick stop in between trips down the waterslides will want to check out the following spots. Java Manjaro is a quick-stop coffee and pastry shop serving freshly-baked pastries, desserts, and (for mom and dad) Starbucks coffee. For similar sweet snacks, the Sweet Hut has candy, desserts, and cool treats like candied apples.

Waterpark Dining Options

Running around a massive waterpark or theme park is sure to make anyone hungry. The waterparks have no less than six dining options between them. The Mud Hut is a swim-up bar where you can get a refreshing cocktail or cold beer. Or, check out the Cracked Coconut, Safari Snacks, or the Zulu grill for gourmet burgers and pizza, or healthier meals like salads and sandwiches.

Tom Foolerys has dining options as well. Located in the upstairs part of the park, Volcano Lounge is in the bowling alley area and serves fresh pizza. Rattler’s Cantina is right in the center of the waterpark and serves pizza, burgers, hot dogs, and more (the kind of food you’ll probably will want when you’re running around an amusement park). If you are looking to go out for pizza, here are our picks for the best pizza in Wisconsin Dells. 

Wisconsin Brew Pub

For a more relaxed, sit-down meal, be sure to check out the family-friendly Wisconsin Brew Pub, which specializes in all things Wisconsin (like cheese curds and local beer). There’s also Trappers Turn, which does classic Wisconsin fish fry, prime rib, and a hefty Sunday brunch (reservations are required).

High-quality dining is also available at Ivory Coast, which serves breakfast, lunch, and dinner right beside the hotel’s main lobby. Or try the Double Cut Charcoal Grill and Liquor Bar, a steak and seafood house.

But if you just don’t feel like leaving the comfort of your bed, don’t forget you can always order room service. Kalahari’s in-room food service brings signature pizzas direct from Ingraffia’s Pizza Kitchen.

There are tons of great restaurants in the area, make sure to read our best restaurants in Wisconsin Dells article for other suggestions.

interior view of a hotel room at the Kalahari Resort in Wisconsin Dells

Kalahari Resort Wisconsin Dells – Accommodation & Facilities

Kalahari’s accommodation options prove that there’s nothing lacking at this resort. The hotel has stay options with single rooms, double rooms, and even options for groups of 3-5 people or more. But the hotel takes it a step further by offering waterfront cottages and high-tech multi-bedroom rentals.

The accommodation options are sorted by how many sleeping rooms there are. Single sleeping rooms contain either two queen beds or a single king, and several options also contain full-size sofa beds or murphy beds. These are great options for families who are on a budget because you can still fit the whole family without paying more for separate rooms.

Some of the single sleeping rooms still include luxury elements like whirlpool saunas, private balconies, fireplaces, and wet bars. These are good options for anyone who doesn’t want to upgrade to the luxury rooms but is still interested in having elements of a luxury stay. If you need a kitchen and living area, there are suites available as well.

Suites at the Kalahari Resort

Double sleeping rooms also have several options depending on your group size and room needs. Each double sleeping room includes one bedroom with a king-sized bed and a second bedroom with 1 or 2 queen-sized beds. In some options, the second bedroom also has a full-sized sofa pullout. Some also have a second bathroom, ideal if you are sharing a space with more than four people. On our last trip we stayed in a double sleeping room with two bathrooms, it worked out great for us and having the grandparents stay with us. 

Still, in the two-room category, there are two suites. The two-bedroom Kitchen-Living Room Suite has a king bedroom and a second bedroom with two queen beds, but it also has flat screen TVs, a living room with a sleeper sofa, a fireplace, a fully equipped kitchen, and two bathrooms containing whirlpool tubs. Or take it one step further with the 2-bedroom Presidential Suite, which has all of the above plus a 55” projection TV, and a full-sized wet bar.

The remaining units have 3, 4, or 5 bedrooms. Several are within waterfront chalets or cottages. There’s also a staggering 10-bedroom entertainment duplex that combines two 5-bedroom loft houses under one reservation (be sure to call or email as this can’t be booked online). These multi-bedroom rentals offer extra luxuries not available in the standard hotel rooms, like pool tables, private patios, bunk bedrooms, and recreation rooms with wet bars.

Kalahari Spa

Outside of the room rentals, the hotel facilities will add another level of enjoyment to your stay. The Kalahari Spa & Salon offers a range of relaxing body treatments and cosmetic services. Facials, nails, and makeup are just some of the available services.

As if running around a waterpark wasn’t enough exercise, Kalahari Resort has a fitness center with on-site personal training services. Personal training is available by advance reservation while the fitness center is open 24 hours.

Have you stayed at the Kalahari Resort Wisconsin Dells location? We’d love to hear from you below in the comments. 

Before heading out for the day we suggest going out for a big hearty breakfast, here are our picks for the best breakfast in Wisconsin Dells. If you visit during the winter or have a rainy day, consider grabbing a pint at one of these breweries in Wisconsin Dells.

Make sure to check out some of our other Wisconsin Dells articles: best waterpark hotels in Wisconsin Dells, Kalahari Resort review, and things to do in Wisconsin Dells. 

This post may contain affiliate links, see our disclosure
Stimulus Check 2022 Update as ,500 Cash Payments …

11-05-2022 · 1 day ago · On Tuesday, the Alaska Senate approved a state spending package that includes cash payments of ,500 for Alaskans. The package includes dividends of about ,200 to residents this year as well as ...

11-05-2022

On Tuesday, the Alaska Senate approved a state spending package that includes cash payments of ,500 for Alaskans.

The package includes dividends of about ,200 to residents this year as well as "energy relief" checks of ,300.

The vote in Alaska comes as a number of other states are considering sending more direct payments to their residents as Americans continue to grapple with record-high inflation and rising gas prices, driven partly by Russia's ongoing war in Ukraine.

The package passed 15-5 and was sent to the House, which will decide whether to agree with the Senate version.

However, lawmakers believe the House is more likely to reject it, according to the Anchorage Daily News. If that happens, lawmakers from both chambers will have to reach an agreement in a conference committee.

The House approved a version of the budget last month that included a dividend of roughly ,250 and a ,300 energy check.

Lawmakers in recent years had been divided over the size of the dividend, traditionally paid with earnings from the state's oil-wealth fund, known as the Alaska Permanent Fund.

Economic stimulus checks are prepared for printing
The Alaska Senate passed a spending package on Tuesday that includes ,500 stimulus payments to Alaskans. The package now moves to the state House for approval. Pictured, economic stimulus checks are prepared for printing at the Philadelphia Financial Center in Philadelphia. Jeff Fusco/Getty Images

During a debate on the budget on Monday, the Senate voted 10-9 in support of a dividend of about ,200.

The cost for that size dividend would be nearly .8 billion, while the cost of the proposed energy payment is estimated at 0 million, according to The Associated Press.

Supporters of the Senate budget argued that Alaskans could use the financial help, while critics raised concerns about the possible fiscal consequences.

Alaska House Speaker Louise Stutes, a Republican, was critical of conservative lawmakers in the state Senate for voting for a budget that could dip deeply into the state's savings.

"We have all these conservative people that have been nickel and diming different bills, saying, 'We've got to save money,'" Stutes said, according to the Daily News.

"The House—our anticipation was to put a lot of money in a savings account. Well, that just got shut down in the Senate. All these conservative people just spent all our money, all our savings account, and money that we haven't gotten yet."

Stutes said she expected the House would vote on the Senate's budget on Wednesday evening or Thursday morning.

The Alaska State Legislature has until May 18 to pass a budget or be forced into a special session.

Stimulus checks to ease the financial toll of the COVID-19 pandemic were incredibly popular, with millions of Americans signing online petitions to demand more direct payments.

How Do Land Loans Work?

25-05-2022 · That’s how land loans work when inumproved. USDA Loans USDA loans, or FSA loans can be used to purchase land, livestock, equipment, feed, seed, and supplies. USDA …

25-05-2022

Are you considering custom building a home and need land loans? We all need a home to live in, that’s a no-brainer. But what a lot of homebuyers don’t consider is that they could build their own home instead of buying one that someone else has already lived in.

This can be an excellent idea since, as a home buyer, you get to build and craft your perfect home. That is — until you take this idea and sit and consider what it might cost you to build it.

Building a home CAN be very expensive, but there are many ways to make your home building plans much more feasible.

Land loans are one of those ways. There are quite a few things you need to know about land loans. Let’s take a deep dive so you can see if this mortgage type is right for you.

First off, let’s discuss what land loans actually are, so you know why you might want to use it to your advantage if you’re looking to build your very first home.

Land loans are used to finance a buyer with a plot of land where they can build their dream home. If you’re looking for land loans, the type you can get depends on what land you’re buying as well as how you intend to use said land. Land loans are most often used when a buyer is not going to start their project immediately. They will hold the land for a while before it is developed.

For those intending to build a home right away, a construction loan would be more appropriate.

We’ll discuss these in a little more detail, but these types of loans are known as: improved land loans, unimproved land loans, and raw land loans. Let’s get into how land loans work in these different circumstances.

Raw Land Loans

Known to be completely undeveloped land, with no electricity, sewers, or even roads insight. If you’re interested in this type of land for building purposes, you will be looking at getting raw land loans.

It’s hard to get a loan for this type of land. You’ll need to develop a really detailed plan so the lender knows exactly what you’re going to be doing with the land and can be confident you actually understand the task you’re taking on.

This is so you don’t pose a financial risk since you’re going to look committed to the project when doing this.

While it’s cheaper to get this type of land, the large down payment and high-interest rates can make this type of loan unobtainable for many first-timers, especially if they have a poor credit score. These types of loans are typically used by land developers who have intentions to construct a subdivision.

Unimproved Land Loans

Unimproved land is more developed than the last and features things like utilities and amenities. It still lacks basic necessities, like an electric meter or a natural gas meter.

While an unimproved land advance isn’t as hard to obtain as a raw land advance, it can be hard to get. So ensure you have a detailed plan ready, a large upfront down payment, and a solid FICO credit score.

Since unimproved land credits aren’t the most hazardous kind of loan a lender can offer, the upfront installments and financing costs will not be out of this world. However, it’s not going to be uncommon for them to be higher than other sorts of financing loans. That’s how land loans work when inumproved.

USDA Loans

USDA loans, or FSA loans can be used to purchase land, livestock, equipment, feed, seed, and supplies. USDA loans can also be used to construct buildings or make farm improvements.

Improved Land Loans

Unlike the last two loans mentioned, this type of land will usually have access to electricity, water, and roads. Of course, this is the most expensive land to get a hold of for someone looking to build their dream home because of what I have mentioned above.

The good part about looking to finance this type of land is that interest rates and down payments are a lot more manageable, as it’s less of a risk from a lender’s point of view.

With this being said, just like with any loan, it’s still going to be advantageous to have a good credit score and put down a large down payment to increase your chances of being accepted for the loan.

How Do These Type of Loans Work?

Each land loans (the three mentioned above) has its own qualifications borrowers will need to meet if they want to successfully obtain one of these loans.

Although, there are still general guidelines you as a buyer are going to want to consider when you look to apply for either of these loans.

They are as follows:

  • Have an excellent credit score
  • Be able to put down a decently sized deposit
  • Have a detailed plan of how you intend to use the land
  • Highlight areas of the property that need to be checked: Zoning, Land-use restrictions, utility access, etc. Banks will usually want to have the land surveyed for more definitive answers.

These are all things that need to be brought to the lender to know what you are getting into before signing off on the requested loan.

Even after the assessment, land loans can have higher interest rates than something like a home mortgage as they are riskier for the lender. Like other lending scenarios, if you have a good credit score and a debt-to-income ratio, you could get much lower rates.

After things have been assessed, the loan rates have been determined, and the borrower has been approved, the borrower is responsible for making the outlined down payment and paying back the loan in full.

The Pros and Cons of Land Loans

Now that you know what a land loan is as well as the type of land loans you could qualify for as a borrower, we want to round off this article with the pros and cons of land loans so you can get an even better idea if this type of loan is going to be a good idea for you or not.

Pros of a Loans for Land

The biggest positive from getting one of these loans is building the home you want as long as you have the necessary creative vision and a little bit of patience that is needed to take on and complete a huge project like this. Some folks are using land loans to finance more creative construction projects such as a container house.

Cons of a Loans for Land

Just like with everything, there are some drawbacks to applying for any type of loans for land.

One of those drawbacks is that it’s a riskier transaction since there is a lack of collateral with something like this, meaning lenders are less likely to borrow.

Even if you’ve been accepted, there are still things like high down payment and interest rates, which could make life a little tricky for you, not to mention the unforeseen complications that come along with taking on a huge project like this.

The Benefits of Building a House

After you get the land, you’ll presumable want to build something on it. So is building a house the best option for you? There are many reasons why it might be your best option. 

First, you’ll get to pick almost everything: colors, layout, counters, flooring. You’ll have a house that’s matched exactly to your style and preferences. If you buy an existing home, it likely won’t look exactly the way you like. You might have to do some aesthetic work (painting, flooring) or renovations (knocking out a wall, replacing cabinets) before you feel like your home is just the way you want.

And, when you build a house, you’ll be able to include all the upgrades you like. Whether it’s granite countertops or radiant floor heating, you can decide what features are worth the investment. Of course, upgrades can bump up your costs considerably, so you’ll have to make sure they fit in with your budget. 

But it’s not just all about expenses. New construction homes come with some savings, too, in the form of energy efficiency. When you build a house, your appliances, lighting, HVAC, plumbing, electrical, and other systems will be brand new. They’ll be more energy efficient than models that are even a few years old. This can save you hundreds of dollars per year.

And you’ll be moving into a pristine house, one that no one else has lived in. 

The Drawbacks of Building a House

There are also drawbacks to building a house, even if it’s your dream house. 

The biggest drawback is the expense. It’s easy to get caught up in the excitement of building a home and underestimate how much does it cost to build a house, going over budget with upgrades and additional features. And if the construction runs into any delays or issues, there could be additional costs that you have no control over. 

The other big drawback to building a house is the timeline. It will take much longer for you to wait for a home to be built than to close on an existing home. If you need to be in your home by a certain date, building might not be your best choice.

How much does it cost to build a house?

So how much does it cost to build a house? According to the National Association of Home Builders, the median price for constructing a single-family home is 9,415 or 3 per square foot. The answer to how much does it cost to build a house can vary greatly depending on where in the country your new home will be built. 

  • Northeast: 5.10/square foot
  • Midwest: 6.37/square foot
  • South: .56/square foot
  • West: 1.88/square foot

Some of the expenses involved are optional and based on your personal choices, such as the appliances or flooring. Others, such as the foundation or plumbing, are based on local market prices. 

Final Thoughts

When there is a desire to build a custom home but not immediately, a land loan is an excellent option. If you are interested in building right away, then a construction loan would be much more appropriate.

Hopefully, you have found these tips for understanding land loans to be useful.

Above all, remember that your Realtor should be there to aid in your home buying process, not just to show you listings. Helping you avoid the wrong time to buy, the wrong location or the wrong house for your budget can all go a long, long way in making sure that you’re happy with the end result. Beyond that, realtors aren’t all the same, and you will need to find one that gels with your interest as a home buyer before choosing to go the length of the field with them.

UpNest uses a proprietary agent matching system that considers closed listings, location of listing, and other factors to provide the customer with 3-5 individual proposals. 

The proposal includes commission information, marketing techniques, a Q&A about the agents, local trends, reviews, and more. Once agents start using UpNest’s platform, the matching system evaluates their performance with UpNest, including conversion rates and response time.

UpNest is a no-cost service for home sellers and buyers to find the best real estate agents locally. The UpNest platform allows you to compare multiple agents in your area so you can compare reviews, commission rates, previous sales, and more.

Our agents have been carefully vetted and often offer competitive, lower than average commission rates to UpNest customers. There is no obligation to sign up with one of our Realtors, but when you can potentially save thousands on commission – why wouldn’t you? If you’re ready to get started, just enter your zipcode below!

Do banks give loans for land?

Yes, land purchase loans are offered by banks when you need financing to buy a plot or a piece of land. This loan is generally provided for residential purposes and in urban areas. However, some banks do let you use the loan amount to purchase land in a rural area.

What is a loan for land called?

Mortgages secured by land are called lot loans. They work similarly to mortgages for homes, but there are important differences. This article explains how lot loans work and how to finance a land purchase. See today’s mortgage rates.

How to Hack Someone’s Facebook Account Online Free

21-02-2022 · mSpy FB Spy app comes packed with 150+ features among which the phone spying is the most impressive one. Spy on all messages, calls and multimedia exchanged through WhatsApp and other IM apps including iMessage, Instagram, Facebook, Line, Skype, Kik, Wechat and Viber. Get instant updates of messages along with date, time and sender information.

21-02-2022

Facebook is one of the most important social networks around the world these days. It has millions of users and more and more are joining every day. Numbers like this are not sufficiently striking until we notice that our neighbors have one, and not just them but also our family, our coworkers and our best friends have one too. Knowing this makes us want to hack the Facebook account of someone in particular, any person we would like to know more about for no reason. The problem of how to hack into someone’s Facebook account will be solved easily.

The following are some tools and methods through which you can hack someone’s facebook and read their messages. You will find, how to hack someone’s Facebook account without changing the password online is possible.

Part 1: Hack Facebook Account Online Using mSpy FB Spy

hack facebook account using mSpy fb spy
hack facebook account using mSpy fb spy

The first recommended method to hack Facebook account is by using mSpy FB Spy. It is a powerful Facebook Tracker app and the easiest way to hack facebook password. With this program you will have the opportunity to hack the Facebook account of your liking, read the messages as well as view and download the pictures from the hacked Facebook account. You can also monitor WhatsApp, Snapchat and other popular messengers.

mSpy Facebook Spy is a leading parental control app for smartphones that allows parents to monitor text messages, calls, current GPS location, Snapchat, WhatsApp and much more.

  • See all messages, instant messages, SMS, and iMessages sent and received.
  • See the time stamps of all text messages sent and received
  • WhatsApp, Snapchat, Facebook, and other messaging apps
  • Monitor Calls, Text messages, GPS tracking and 25 more features.
  • Quick installation, user-friendly interface.
  • No need to jailbreak or root a device.

Now keep track of your kids` phone to read their Facebook messages. Monitor your kids` Facebook messenger to be sure they don`t fool around during the school time. Here’s how to hack Facebook account using mSpy FB Spy.

View Demo >>

  1. Purchase mSpy FB Spy app. Choose the subscription package depending on your needs. Then fill out the billing form. After the confirmation of payment, you will get an e-mail with further instructions.
  2. Follow the instruction guide sent to your email. The process of installation will take several minutes. In case you have questions or need any assistance, our free customer support is available 24/7.
  3. As soon as you completed the installation process, you will be able to monitor Facebook media and messages from the Control Panel.
hack facebook account
how to hack someones facebook

Keylogger is a type of program that records strokes people make on their keyboards, without them knowing that are being recorded. Then you can hack facebook password instantly. The keylogger will automatically record all victim’s keystrokes and this program will never be detected, working quietly in the background. The Keylogger feature would also help you hack someone’s facebook password without knowing.

hack facebook password using keylogger
hack facebook password using keylogger

If you are just learning about how to hack a Facebook account for free then you should know that there is no better tool for doing so than mSpy FB Spy. Among other great things that this facebook hacking tool has, you should know that mSpy FB Spy comes with over 25 other great features, ranging from GPS tracking to call monitoring.

View Demo >>

Part 2: Hack Facebook Account Free on iPhone Via eyeZy

eyeZy hack facebook account free on iphone
eyeZy hack facebook account free on iphone

The second Facebook tracking app is eyeZy, which is also an excellent Facebook monitoring app. eyeZy is not only easy to use in monitoring Facebook accounts but also others features. Such as monitoring text messages, monitoring installed social media apps, blocking websites and apps, etc.

  1. Track Facebook messages. It can easily track Facebook accounts to see other’s contacts and Facebook chat messages. If you want to keep your loved ones safe online, like kids, you can monitor their Facebook accounts.
  2. Monitor installed apps. It can monitor the social installed apps on the other party’s cell phone, such as whatsapp, snapchat, Instagram, etc.
  3. Block websites. You can choose which sites to block from the other party, such as blocking the Facebook website so that the other party’s phone can’t show it.
  4. Blocking apps. This function is similar to the blocking website function, you can block apps that you don’t want the other party to use, such as the Facebook app, so that the Facebook app can’t be used.

In addition, eyeZy can hack Facebook account on iPhone for free. If you buy the premium package of eyeZy, not only you can track Facebook, but you can also use a variety of other features. Moreover, you can track Facebook accounts without touching the other party’s phone. It can be tracked through the other party’s iCloud account and password.

Part 3: Hack Facebook Account Via Forgot Password Method

Apart from using an online program that requires you to use the username of the target Facebook account to hack it, you can employ a unique method of hacking Facebook. Another way for learning how to hack facebook password easily is through the password reset. What you need to have to hack a Facebook account is the access to the user account email address (the email address used to open the Facebook account).

This is probably the easiest of all methods to use, especially if you are a friend with the person whose facebook account you want to hack. The following is a detailed process on how to hack Facebook account online using the “Forget Password” option.

  1. First you should get the e-mail login of the person’s facebook account
  2. Then next step is to click on the button for forgotten passwords where you should type the e-mail address of the victim. The system will then ask you whether you want to reset the password through his e-mail address. That will not help you, so you should press the button which says –>”no longer have access to these?”
  3. A new page requesting you to “Reset Your Password” will open up. You can use the email, text message or the phone call option. You must make sure that you have access to any of these three recovery methods. Choose the email option and click “Continue”.
  4. The following step is answering a question that the victim knows the answer to. If the victim is your friend then you will likely know the answer, but if not, you can make a simple guess. If the answer is correct you can easily change the password and wait for 24 hours before you can login to that facebook account.
  5. Facebook will ask you to logout from any device that you suspect of accessing the account. Just click on the “Stay Logged in” option and click “Continue” to hack facebook account.

From this point onwards, the hacked Facebook account now belongs to you. It’s simple as that.

hack fb account free
hack fb account free

Part 4: Hack Facebook Account Online Using US Hacker

The fourth method for exploring how to hack Facebook accounts is by using US Hacker: https://ushacker.com/. US Hacker is a simplified online program that allows you to hack Facebook account as long as you have the Facebook ID of the target Facebook account. The following are simple steps of how to hack Facebook account online by using US Hacker.

  1. Visit the official US Hacker. To hack Facebook accounts, you have 2 options: hack Facebook account by providing the email address connected to the Facebook account or hack Facebook password by giving the Facebook ID number. If you know the email address linked to the Facebook account you want to hack then please use the first option, which is the faster way to hack Facebook password. Click “Hack Now” button and just enter the email address into the hacking form. Next, click the hack button, you will go to the step 2.
  2. Follow the instruction on your screen, you will be able to hack the Facebook account within few minutes.
Hack Facebook Account
how to hack someone’s facebook

Part 5: How to Hack Facebook password using Piraterfaceook

You can hack Facebook online by using the Piraterfaceook. This free online hacking tool allows you to hack any Facebook account as long as you have the details such as the username with you. Unlike other hack Facebook online methods, the Piraterfaceook only requires the username used to register the Facebook account.

  1. Type in the user’s link you want to hack: Example: https://facebook.com/zuck
  2. Click on “HACK“, the system will connect with the database.
  3. Wait for the process to be done. This can take a few minutes.
  4. IT’S DONE!… All data has been obtained. Now, just click on “VIEW DATA”.
Hack Facebook password using Piraterfaceook
online fb hack

The process of hacking any person’s account takes approximately 1 to 5 minutes. After you wait for the results to appear, you should be able to see key parts of the information. It means that the Facebook that you entered has been hacked and our system has information such as email, cell phone number, and most importantly, the password.

Part 6: How to Hack Facebook Account Online Using Hyper-Cracker

Hyper-Cracker is an online Facebook hacking tool that allows you to hack any Facebook account in a span of minutes. With this free online hacking tool, all you need to have with you is the username of the account holder.

Hyper-Cracker allows you to crack the Facebook password, view the friend list of the target account, download pictures remotely, search the entire history of the target account, as well as check the login activities and the entire conversations of the target user.

The following is a detailed process on how to hack Facebook account profile online by using the Hyper-Cracker method.

  1. Visit the Hyper-Cracker website http://hypercracker.com and scroll down the page to locate the “Hack Now Online” option.
  2. Click on this option to open a new web page.
  3. In the spaces provided, enter the user name of the target Facebook account.

Tip: Please make sure that the username starts with the HTTP:// address. Failure to do this you won’t’ be in a position to hack the Facebook account.

Once you have entered the details correctly, click on the “Hack This Facebook Account Now” option.

The account in question will be hacked, and you will be in a position to access the messages, profile pictures as well as anything that you may deem necessary from the account.

how to hack facebook password
facebook id hack online

Attractive Features Made Available by mSpy FB Spy

mSpy FB Spy app comes packed with 150 features among which the phone spying is the most impressive one. Spy on all messages, calls and multimedia exchanged through WhatsApp and other IM apps including iMessage, Instagram, Facebook, Line, Skype, Kik, Wechat and Viber. Get instant updates of messages along with date, time and sender information. Here is a list of some other features that are certainly going to win your heart –

  • Spy photos: Images, Audio files and other multimedia files are a great way to track the cell phone of any android user. mSpy FB Spy app gives you access to all of the mentioned bouquet of features with the click of one button.
  • Skype Messenger Spy: The process to monitor all Skype conversations including multimedia files transferred over the devices got way simpler with mSpy FB Spy app.
  • WhatsApp Messenger Spy: With WhatsApp spy you can easily access all text messages and multimedia messages like videos, images, voice recordings that have been exchanged through WhatsApp messenger.
  • Hike Messenger Tracking: A popular social media app Hike is available to users globally. This app can be used for sharing texts and photos. mSpy FB Spy app can be used to spy all Hike chats.
  • GPS Tracker: mSpy FB Spy app informs you about the live location of the target android smartphone.
  • E-mail Spying: Yahoo Mail, Outlook Mail and Gmail are the most popular ways of doing formal communication. People use these email services to share various kinds of emails including spams. You can keep your family secure with the help of mSpy FB Spy app to keep yourself away from all threats. Employers can install mSpy FB Spy app to their employees mobile to monitor their email conversations, while the parents can install the iPhone parental monitoring app to their kids android device to keep an eye on the emails shared by them.

Facebook hacking is very possible these days. The instances of famous celebrities getting their facebook accounts hacked is on the news every now and then. Most of the advanced programming experts can hack into facebook account with relative ease these days. However, should any one ask famous hacking groups to hack facebook accounts, they demand huge amount of money and why shouldn’t they? Its a fancy, rare and demanded art to break into the servers of world’s renowned and one of the most visited websites Facebook. So where does this lead common not-so-programming-experts people? Not everyone can afford to pay hundreds and thousands of dollars for a mere single facebook account hack.

Hacking a Facebook account can be an interesting thing to do especially if you have always wanted to know what a particular person is always up to online. As we have seen in this article, if you want to hack Facebook account online, you can easily do this from the comfort of your PC at no extra cost. From the six hack Facebook account password methods covered, it is easy to see that the method you choose will depend on your preferences. All in all, if you have always wanted to know what a particular person does on his/her Facebook account, it is high time that you got involved now and did something about it.

We wish you all the best.

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Stimulus Update: Not Sure if You Got All the Stimulus ...

09-01-2022 · After your tax return is processed, the missing stimulus money will be issued along with the money sent to you as part of your refund. But before you claim the third stimulus payment on your taxes ...

09-01-2022
A person working on a laptop at a dining room table with a baby on their lap.

Image source: Getty Images

Not sure whether you should be on the receiving end of more stimulus money when you file your taxes? Here's an easy way to check.

Key points

  • While most Americans received the stimulus money they were owed in 2021, not everyone did.
  • Some Americans are also missing the monthly Child Tax Credit payments they qualified for -- and millions more are owed the second half of the tax credit money.
  • You can still claim what you're owed as a rebate or credit on your 2021 taxes, and there's an easy way to find out what you're owed.

While millions of Americans are hopeful that the federal government will eventually issue more stimulus money to households across the nation, right now, there are few signs that it will happen -- at least not in the near future. As of early February, lawmakers had yet to move forward on any enhanced Child Tax Credit extension -- and while stimulus petitions have continued to rack up the signatures, there has been virtually no movement on that front, either.

The current lack of stimulus or tax credit money is likely a big hit to millions of low- to moderate-income households. After all, many of these households came to rely on the monthly Child Tax Credit payments that landed in their mailboxes or bank accounts during the second half of 2021. According to numerous studies, this money helped families buy groceries, pay for childcare, and purchase school supplies and other essentials.

But while hundreds of millions of households benefited from the stimulus and tax credit money issued in 2021, not everyone who qualified received the money they were owed. Luckily, the money from both of these stimulus programs can be claimed when you file your taxes this year, so if you're still owed money from the federal government, you still have time to claim it. And, there's also an easy way to check whether you got all of the stimulus money you're owed. Here's how you can do that.

How to check if you're still owed stimulus money

The IRS issued the third stimulus payment -- which was worth a maximum of ,400 per qualifying adult and dependent -- to more than 160 million people in early 2021. And, while most people received the full stimulus payment they qualified for, not everyone did.

If you think you're still owed the money from the third stimulus payment, the good news is that you can still take steps to receive the money. You'll just need to claim it as a Recovery Rebate Credit when you file your 2021 taxes this year. After your tax return is processed, the missing stimulus money will be issued along with the money sent to you as part of your refund.

But before you claim the third stimulus payment on your taxes, you may want to check to see if you're entitled to the money. Doing so is simple: All you have to do is check to see if you've received Letter 6475 from the IRS.

These letters, which have already been issued by the IRS, were sent out to help you determine whether you can claim the money for the third stimulus on your taxes. In addition to helping you determine whether you can qualify for the Recovery Rebate Credit, this letter also includes instructions on how to claim the money on your taxes.

You will need that information to ensure that your tax filings are free of errors -- which will help to expedite your tax refund and your missing stimulus payment. So, if you qualified but did not receive your third stimulus payment -- or if you received some but not all of the stimulus money you qualified for -- you should be sure to keep this letter on hand to otherwise avoid missing out on funds or facing long processing delays due to incorrect filing information.

The third stimulus check may not be the only stimulus money you can claim when you file your taxes. There are millions of parents who are eligible to claim the second half of the Child Tax Credit -- and as with the stimulus money, there's an easy way to check to see what you're owed.

If you want to find out what you can claim for the Child Tax Credit, you'll want to refer to Letter 6419, which is also originating from the IRS. This letter outlines pertinent information about the tax credit payments you received during the second half of 2021 -- if any. This includes the total payment amount you have received thus far and the number of dependents the IRS included in your payments.

This information will help you to determine what you can claim for the Child Tax Credit as part of your tax return. It will also come in handy when filing your taxes, as you will need the information included in that letter to reduce the chance of errors on your return. Any incorrect information included in your tax paperwork will likely result in delays or other issues during processing, so be sure to compare the information in Letter 6419 to the information you include in your tax filings.

While additional assistance from the federal government looks less and less likely by the day, making sure you claim any remaining owed funds on your 2021 tax return could still provide a welcome boost for your family this spring.

How Many Stimulus Checks In 2021

02-02-2022 · Stimulus Checks In : How Will It Affect The 2022 Tax Return. The Economic Impact Payments, colloquially known as the stimulus checks, Were sent out again in 2021 to help people swamped under more covid-19 problems. Nearly a year later, the time is soon approaching that taxpayers will need to reconcile these payments with their 2021 tax returns. However, the …

02-02-2022

The Us Federal Government Sent Out Three Waves Of Stimulus Payments Since The Start Of The Covid

Stimulus checks could arrive as soon as January 2021, but will it be enough?

The US is in the throws of another wave of covid-19 infections with case numbers surpassing all previous peaks. In the past this led to the federal government stepping up to help Americans left struggling in the disruption the pandemic has wrought on livelihoods and household finances. However, this time despite workers out sick or quarantining no new federal stimulus checks look set to be sent out.

In a recent press release the Internal Revenue Service put out its annual report highlighting the efforts of its employees in 2021. One of the accomplishments touted by the agency has been successfully delivering more than .5 trillion to people across the nation through Economic Impact Payments, tax refunds and advance Child Tax Credit payments. Here’s a look at the three Economic Impact Payments, better known as stimulus checks.

Will There Be A Fourth Stimulus Check

Many lawmakers are pushing for another round, but President Biden has yet to express support.

Nearly two dozen Senate Democrats sent a letter to Biden on March 31 urging him to implement recurring payments and automatic unemployment insurance tied to economic conditions, reported Insider’s Ayelet Sheffey. Some Democrats have taken to rather than stimulus checks.

And last summer, more than 150 economists wrote an open letter supporting recurring payments “for as long as necessary.”

Stimulus checks have proved effective thus far. The Economic Security Project released a report on April 14 that found the direct cash payments have played a critical role in fighting poverty, boosting small-business revenue, and increasing state and local revenues.

“Evidence from the last year shows stimulus checks to be the fastest and most impactful investments helping Americans get through this crisis, lifting more people out of poverty than any other single policy,” the report said.

The expanded child tax credit will also provide recurring cash payments to eligible parents during the second half of 2021. Democrats hope to make the expanded credit permanent. Learn more about the credit here »

How Much Is The Second Stimulus Check

The Internal Revenue Service has been sending direct payments to millions of Americans since the coronavirus pandemic began. But how many people have received the money so far?

The Treasury Department and the Internal Revenue Service as well as the Bureau of the Fiscal Service announced Wednesday that another 2.2 million checks are on their way for distribution.

Since March 12, when the first stimulus checks went out, the IRS has sent out more than 0 billion in stimulus payments, meaning that in total more than 478 million stimulus checks have been sent out since the pandemic began.

The ,400 stimulus payments are part of the .9 trillion package Congress passed in March. The IRS will continue to make the economic impact payments on a weekly basis.

The White House has so far downplayed talks of a fourth round of stimulus checks despite an online petition from more than 2.6 million people requesting recurring payments of ,000 per month.

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People Who Don’t File A Tax Return

Question: What if I don’t file a 2019 or 2020 tax return?

Answer: Some people don’t file a tax return because their income doesn’t reach the filing requirement threshold. If that’s the case, the IRS will send a third stimulus check based on whatever information, if any, is available to it. That information potentially could come from the Social Security Administration, Railroad Retirement Board, or Veterans Administration if you’re currently receiving benefits from one of those federal agencies. If that’s the case, you’ll generally receive your third stimulus payment the same way that you get your regular benefits. If you supplied the IRS information last year through its online Non-Filers tool or by submitting a special simplified tax return, the tax agency can use that information, too.

Some people who receive a third stimulus check based on information from the SSA, RRB, or VA may still want to file a 2020 tax return even if they aren’t required to file to get an additional payment for a spouse or dependent.

How Many Stimulus Checks Have There Been

Stimulus checks could arrive as soon as January 2021, but ...

Three stimulus checks were approved between March 2020 and March 2021 to provide financial support to Americans struggling during the coronavirus pandemic.

  • ,200 in the first stimulus check, plus 0 for dependents under age 17, sent in spring 2020
  • 0 in the second stimulus check, plus 0 for dependents under age 17, sent in December 2020 and January 2021
  • ,400 in the third stimulus check, plus ,400 for dependents of all ages, sent in March and April 2021

Read Also: I Never Got My First Stimulus Check

How Likely Is A Fourth Stimulus Check

Don’t hold your breath, according to Wall Street analysts.

For one, the Biden administration has focused on infrastructure spending to spark economic growth, betting that an investment in roads, trains and other direct investments will help get people back to work and spur the ongoing recovery.

Secondly, economists have pointed fingers at relief efforts such as the three rounds of stimulus checks for contributing to inflation. Because Americans had cash in their pockets, they boosted spending on goods such as furniture, cars and electronics. Combine that with the supply-chain crunch, and the result was sharply higher inflation, according to economists.

Without new stimulus efforts on the horizon, it’s likely that inflation could moderate in 2022, according to Brad McMillan, the chief investment officer at Commonwealth Financial Network. “One cause of inflation has been an explosion of demand driven by federal stimulus,” he noted in a December report. “But that stimulus has now ended.”

He added, “Yes, we will continue to face inflation and supply problems, but they are moderating and will keep doing so.”

Can I Receive A Stimulus Payment If I Normally Do Not File A Tax Return

Yes, the IRS will also use information provided through Forms SSA-1099 and RRB-1099 to determine whether people are eligible for economic impact payments.

Due to the fact these tax forms do not include information about any dependents, taxpayers in this situation will need to inform the IRS through their 2020 tax returns that they are entitled to additional economic impact payments.

Also Check: Who Is Getting Stimulus Checks First

Stimulus Checks: Parents Who Expanded Families In 2021 Could Be Eligible For A 00 Payment

As the pandemic enters its third year, there appears to be little momentum for another round of stimulus checks. However, there may be payments waiting for people whose family grew in 2021.

According to a report on Nasdaq.com, folks who added a child to their family in 2021, could be in line for a ,000 check.

The total goes back to a stimulus payment that was meant for children under the age of 6, but was never paid.

Heres how it works, according to the report.

There was a stimulus payment of ,400 per dependent from 2021 and an expanded Child Tax Credit worth ,600 per child for children under the age of 6. That number is ,000 for children ages 6-to-17.

For a child born last year, he or she would count as a dependent for both the stimulus check and the Child Tax Credit. Parents who adopted a child are also eligible.

For children born in 2021, its likely the IRS wouldnt have known about the child, even though the family was eligible for the payments. They are still eligible for the payments, just in 2022.

The same is true for parents who had twins or triplets, according to the report. That family would be eligible for ,000 or ,000.

To receive the stimulus money, new parents only have to file their tax returns.

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Timing Of Third Stimulus Checks

Stimulus check 2021: Who gets one and when can you expect to receive the money?

Question: When will I get my third stimulus check?

Answer: Millions of Americans have already received their third stimulus check. And the IRS will be sending out more over the next several weeks. So, if you haven’t received your payment yet , it should arrive relatively soon.

How long it will take to send all payments is not known yet. The IRS has a lot on its plate right now. We’re in the middle of tax return filing season, so the IRS is already busy processing tax returns. The tax agency also has to send refunds for people who reported unemployment compensation on their 2020 return and come up with a way to send periodic child tax credit payments later this year. All of this could very well slow down the processing and delivery of third-round stimulus checks.

  • 8 Reasons Why Your Third Stimulus Check Could Be Delayed or Denied

If the IRS already has your bank account information either from a recent tax payment that you made, a tax refund it sent you, or some other source then expect to get your third stimulus check faster. That’s because the IRS will be able to directly deposit the payment into your bank account. The IRS can also make a third stimulus payment to a Direct Express debit card account, a U.S. Debit Card account, or other Treasury-sponsored account. Otherwise, you’ll get a paper check in the mail.

If you already have a prepaid debit card from the IRS , you’ll get a new card if the IRS decides to send your third stimulus payment to you in that form.

Recommended Reading: Irs Where’s My Second Stimulus Payment

Back Taxes Child Support And Other Debts

Getty Image

Question: Can the IRS or other creditors take my third stimulus check if I owe back taxes, child support or other debts?

Answer: Your third stimulus check is not subject to reduction or offset to pay child support, federal taxes, state income taxes, debts owed to federal agencies, or unemployment compensation debts.

However, the American Rescue Plan doesn’t include additional protections that were included in the legislation authorizing the second round of stimulus checks. For example, second-round stimulus checks weren’t subject to garnishment by creditors or debt collectors. They couldn’t be lost in bankruptcy proceedings, either. The IRS also had to encode direct deposit payments so that banks knew they couldn’t be garnished.

Question: Can a dead person get a third stimulus check?

Answer: For the third round of stimulus checks, anyone who died before January 1, 2021, is not eligible to receive a payment. Essentially, they’re treated as if they don’t have a Social Security number.

There is an exception for military personnel. If a person who died before 2021 was married and a member of the U.S. military, the surviving spouse can still receive a third stimulus check even if he or she doesn’t have a Social Security number.

The extra ,400 per dependent is also off the table if the parent died before 2021 or, in the case of a joint return, both parents died before then.

Question: Will I receive a notice from the IRS about my payment?

Second Round Of Direct Payments: December 2020

The second round of aid, a 0 billion package which was part of the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 was signed off by Trump on 27 December 2020. It provided a one-off check of up to 0, but this time, households were also able to claim an additional 0 for child dependents aged 16 or under. Those who earned under ,000 in the 2019 tax year received the full stimulus check, while a steadily smaller figure was given to those on a higher annual income, up to a maximum phase-out limit of ,000. The first payments, through direct deposit and paper checks with some later payments made by EIP 2 Cards, were issued between 29 December 2020 and 15 January 2021.

Those who didnt receive a stimulus payment either through the CARES Act or the December Covid-19 Relief bill were able to claim for it retroactively when they filed their federal tax returns for 2020 through the IRS Recovery Rebate Credit.

Read Also: Is There A Mortgage Stimulus Program

How Many Stimulus Checks Were Issued In 2021

Throughout the pandemic the federal government has sought to ease the financial consequences of covid-19 and the related restrictions by offering relief to Americans. This has been done in the form of the boosted unemployment benefits and the expanded Child Tax Credit, but by far the most far-reaching of those programmes has been the three rounds of stimulus checks.

First introduced in the CARES Act of March 2020, Economic Impact Payments are a direct cash injection into the bank accounts of individual people. As we approach one year since the last round of the payments was approved, we take a look back at the stimulus checks in 2021

  • Which families are eligible to receive ,400 in 2022?

Only one round of direct payments was distributed last year

2021 began with a change in the White House as President Biden was sworn into office, bringing with him an ambitious legislative proposal known as the American Rescue Plan. The bill comprised roughly .9 trillion of federal funding in total and while campaigning in the all-important Georgia Senate run-off election last January, Democrats vowed to pass a ,000 stimulus check if they successfully retook the Senate.

BREAKING: Consumer spending rose 4.2% last month, the fastest pace in nine months, while incomes, boosted by stimulus checks, soared a record-breaking 21.1% in March. The gains offer more evidence the economy is poised for a robust recovery.

The Associated Press

What If You Didn’t File Tax Return Or Register With The Irs’s Non

Are the third stimulus checks included in 2021 IRS tax ...

You may still be eligible to receive a payment. If you didn’t receive a first or second round stimulus payment you may be able to claim the Recovery Rebate Credit when you file your 2020 federal income tax return. For the third round, we will update this page as additional information becomes available from the IRS.

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Is There Hope For A Fourth Stimulus Check

Because the Democrats spread out the payments for the child tax credit, that may inhibit the opportunity to get a fourth stimulus check passed for the masses. But this also can depend on what state you live in. There are opportunities to get up to ,000 if you live in certain states.

California has sent out Golden State stimulus checks for 0. Recipient households must earn between ,000 to ,000 to get the checks, and households with children can get an extra 0. Vermont is sending out reimbursement grants to frontline workers who move to the state. New Mexico is hooking up residents who may not have been eligible for the first three stimulus checks. Missouri took care of state corrections officers, boosting each of their salaries.

Those are just some of the states that are helping out residents. So consider which stimulus checks youve received and keep tabs on all that is being given out.

Andy is a reporter in Memphis who also contributes to outlets like Fast Company and The Guardian. When hes not writing about technology, he can be found hunched protectively over his burgeoning collection of vinyl, as well as nursing his Whovianism and bingeing on a variety of TV shows you probably dont like.

Millions Of Payments Went Overseas

Combined over all three rounds of stimulus, about 3.7 million payments worth .5 billion were sent to more than one-third of the 9 million or so U.S. citizens who live overseas, according to CNBC. The term overseas, however, can be misleading because it includes residents of U.S. territories like Puerto Rico. Many checks also went to military members stationed overseas and American citizens living abroad.

Find Out: All the States That Dont Tax Social Security

Recommended Reading: When The Next Stimulus Check Coming

Stimulus Checks In : How Will It Affect The 2022 Tax Return

The Economic Impact Payments, colloquially known as the stimulus checks, Were sent out again in 2021 to help people swamped under more covid-19 problems. Nearly a year later, the time is soon approaching that taxpayers will need to reconcile these payments with their 2021 tax returns. However, the news is mostly good, as the filing gives people the opportunity to receive payments that they did not fully receive last year.

Something that could be more of a concern is the Child Tax Credit. While many will receive the final six months as a lump sum, others may have to pay back the IRS if they received too much money in relation to their earnings.

  • Can a fourth stimulus check payment happen in January 2022?

How might your tax return be impacted?

Individuals who didn’t qualify for the third Economic Impact Payment, better known as the third stimulus check, or did not receive the full amount may be eligible for the Recovery Rebate Credit based on their 2021 tax information. They’ll need to file a 2021 tax return, even if they don’t usually file, to claim the credit.

Individuals will also need the amount of their third stimulus and any Plus-Up Payments received to calculate their correct 2021 Recovery Rebate Credit amount when they file their tax return. Ensuring they use the correct payment amounts will help them avoid a processing delay that may slow their refund.

What about the Child Tax Credit?

Florida Michigan Tennessee And Georgia Are Giving 00 To Teachers

Most Californians to receive another stimulus check – here’s how much and when to expect it | ABC7

Florida will be distributing stimulus payments in December for first responders and educators who work with students. Teachers and principals are eligible for payments of up to ,000.

Georgia has implemented a similar policy, giving teachers and principals ,000 in stimulus cash for their work during the pandemic.

Michigan is giving ,000 bonuses to every full-time child care professional as part of its Child Care Stabilization Grant. Licensed child care providers are eligible to apply and should visit Michigan.gov/childcare to apply. Child care professionals will be awarded bonuses directly from their employer and do not need to apply.

Tennessee will be doling out ,000 of hazard pay bonus to full-time teachers and 0 to part-time educators. They should expected to receive their checks before Jan. 1. The hazard pay came at the cost of an expected 2% raise that educators had been expecting in a bill passed in June.

Read Also: Will Everyone Get A Third Stimulus Check

Credit Cards that Offer Annual Travel Credits and How to Use …

13-05-2022 · 1 day ago · The Bank of America® Premium Rewards® Card comes with a annual fee, and offers 0 in travel credits. You’ll get a 0 annual travel statement credit that can be used …

13-05-2022

We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money.

It’s no secret that some travel cards come with hefty annual fees. And if you don’t use the card enough, it can easily become another expense that’s not worth it. 

But these credit cards often include credits that you can use toward travel and everyday expenses to offset the annual fee. You can use this “free cash” on in-flight beverages, seat upgrades, baggage fees, and more. But it depends on the credits and making sure you use them before they expire.

“Use them. Don’t save them for later,” says Brian Sumers, Editor at Large for Skift, a travel website. “If you save them for later, you may forget or you may not travel.”

With rising costs and fewer discounts, your credits can be the golden ticket to upgrading your seat on your next flight or having lounge access for the first time. Here are our favorite travel credit cards that offer credits to help you save money despite the annual fee: 

Travel Cards That Offer Travel Credits 

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

American Express Platinum Card 

The Platinum Card® from American Express
Editor’s Score: (4.5/5)
value for annual fee: 4.0
transfer partner options: 5.0
travel and purchase protections: 4.5
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
Learn more At our partner’s secure site. See Rates & Fees, Terms Apply.
The Platinum Card® from American Express
Editor’s Score: (4.5/5)
value for annual fee: 4.0
transfer partner options: 5.0
travel and purchase protections: 4.5
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • Earn 100,000 points
  • 5
  • See Pay Over Time APR
  • Recommended credit score:
    670-850 (Good to Excellent)

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to 0,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

  • Valuable welcome offer
  • Tiered rewards structure
  • No foreign transaction fee (See Rates & Fees)
  • Travel perks including lounge access and airline fee credits
  • Very high annual fee
  • Relatively high APR
  • Not great for rewards outside travel categories
From high-earning travel rewards categories to cash credits that can offset the cost of your next vacation, the Platinum Card from American Express has a long list of benefits. Just make sure you can take advantage of them to make the high 5 annual fee worth your while.
  • Up to 0 annual airline fee credit
  • Up to 0 in digital entertainment credits (up to per month) on eligible purchases and subscriptions with: Audible, Disney , The Disney Bundle, ESPN , Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required
  • Up to 5 annual Walmart membership credit: Cover the cost of a .95 monthly Walmart membership with a statement credit after you pay for Walmart each month with your Platinum Card. Cost includes .95 plus applicable local sales tax. Plus Ups are excluded.
  • Up to 0 fee credit for Global Entry or TSA PreCheck
  • 0 back in statement credits each year on prepaid Fine Hotels Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card
  • 9 annual statement credit for a Clear® membership
  • Up to 0 in Uber Cash to use on rides or Uber Eats in the U.S. annually ( per month and a bonus in December), plus Uber VIP access
  • 0 in annual statement credits (up to per month) on eligible Equinox memberships or a digital subscriptions to Equinox , an on-demand fitness app
  • Up to 0 in annual statement credits toward purchases at Saks Fifth Avenue or saks.com (up to every 6 months, per calendar year)
  • Access to American Express Global Lounge Collection including Centurion Lounges and Delta SkyClubs (when flying same-day Delta Air Lines flights)
  • Access to Fine Hotels & Resorts program, plus credits and benefits during your stay, including 0 credit towards eligible onsite activities
  • Hilton Honors Gold elite status enrollment
  • Marriott Bonvoy Gold elite status enrollment
  • Travel and purchase protections
  • American Express preferred seating and presale access

The Platinum Card® from American Express is one of our top travel card picks. It has a steep 5 annual fee, but it can be worthwhile for frequent travelers, who can gain access to luxury perks and everyday savings. The card offers nearly ,400 in credits. 

You’ll get a 0 annual airline fee credit to use toward baggage fees, seat upgrades, and other flight expenses. The Platinum card also comes with 0 back in statement credits each year on prepaid Fine Hotels Resorts® or The Hotel Collection bookings, but it requires a minimum two-night stay and you have to pay with your card. 

There are also a few credits you can use for everyday expenses, including a 5 annual Walmart membership credit, up to 0 in digital entertainment credits on eligible purchases (up to per month), and 0 in Uber Cash to use for rides or Uber Eats ( per month and a bonus of in December). 

For other leisure activities, you’ll get 0 in annual statement credits on eligible Equinox memberships or a digital subscription to Equinox , and a 0 annual statement credit toward Saks Fifth Avenue or saks.com (up to every six months, per calendar year). 

If you have several upcoming trips, the card can help you earn points to save money on your next travel expense, and give you credits to maximize your Platinum Card’s value whether you’re home or traveling. 

Bank of America Premium Rewards Credit Card 

Bank of America® Premium Rewards® credit card
Editor’s Score: (3.6/5)
value for annual fee: 4.5
other fees penalties: 4.0
transfer partner options: 0.0
travel and purchase protections: 4.0
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
Learn more At our partner’s secure site.
Bank of America® Premium Rewards® credit card
Editor’s Score: (3.6/5)
value for annual fee: 4.5
other fees penalties: 4.0
transfer partner options: 0.0
travel and purchase protections: 4.0
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • 50,000 points
  • 16.24% – 23.24% Variable APR on purchases and balance transfers
  • Recommended credit score:
    670-850 (Good to Excellent)

Earn unlimited 2 points for every spent on travel and dining purchases. Unlimited 1.5 points per spent on all other purchases.

The Bank of America® Premium Rewards® Card comes with a annual fee, and offers 0 in travel credits. You’ll get a 0 annual travel statement credit that can be used toward flight upgrades, baggage fees, and other travel expenses. You’ll also get a 0 credit for Global Entry and TSA Precheck membership. Even though this card doesn’t offer as many credits as other premium travel cards, you’ll still get more value in credits than the annual fee. 

Chase Sapphire Reserve Card

Chase Sapphire Reserve®
Editor’s Score: (4.3/5)
value for annual fee: 4.0
transfer partner options: 5.0
travel and purchase protections: 5.0
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
Apply Now At Chase’s secure site.
Chase Sapphire Reserve®
Editor’s Score: (4.3/5)
value for annual fee: 4.0
transfer partner options: 5.0
travel and purchase protections: 5.0
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • 50,000 points
  • 0
  • 17.24% – 24.24% Variable
  • Recommended credit score:
    740-850 (Excellent)

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®. Earn 5x total points on air travel through Chase Ultimate Rewards®. Earn 3x points on other travel and dining. Earn 1 point per spent on all other purchases.

  • Valuable welcome bonus
  • 0 travel credit and other added benefits
  • 50% points value boost when redeemed for travel booked through Chase Ultimate Rewards
  • No foreign transaction fee
  • Metal card
  • 0 annual fee
  • High APR
  • Not a great choice if you travel infrequently
Luxe benefits and valuable points redemptions draw many people to the Chase Sapphire Reserve, despite its steep 0 annual fee. But if you travel often and your spending aligns with high-value rewards categories, the Reserve’s benefits can outweigh even the high cost of ownership.
  • 50% redemption boost on points redeemed for travel through Chase Ultimate Rewards or eligible statement credits via Pay Yourself Back
  • 0 annual travel credit
  • Up to 0 credit every four years toward Global Entry or TSA PreCheck fee
  • Complimentary airport lounge access through Priority Pass Select membership
  • 10x points on Lyft rides through March 2025
  • Complimentary DashPass from DoorDash subscription through 12/31/24
  • Travel protections
  • Purchase protections

The Chase Sapphire Reserve® Card carries a 0 annual fee. But if you’re a fan of luxury travel, the perks and travel credits can be worth it. The card comes with a 0 travel credit and a 0 credit toward TSA PreCheck/Global Entry. Plus, you’ll get a complimentary DoorDash DashPass membership through Dec. 31, 2024. 

If you don’t think you’ll use the credits or travel enough to maximize this credit card, you may consider its sister card, the Chase Sapphire Preferred® Card. It still comes with travel perks and rewards, but has a lower annual fee. 

Citi Prestige Card

Citi Prestige® Credit Card
Editor’s Score: (3.5/5)
value for annual fee: 3.5
transfer partner options: 3.0
travel and purchase protections: 1.0
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
Learn more At our partner’s secure site.
Citi Prestige® Credit Card
Editor’s Score: (3.5/5)
value for annual fee: 3.5
transfer partner options: 3.0
travel and purchase protections: 1.0
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • 50,000 points
  • 5
  • 16.99% – 23.99% variable APR based on your creditworthiness*
  • Recommended credit score:
    740-850 (Excellent)

Earn 5 points per on Air travel. Earn 5 points per on Restaurants. Earn 3 points per on Hotels. Earn 3 points per on Cruise Lines. Earn 1 point per on all other purchases.

The Citi Prestige® Card comes with a 5 annual fee, but you’ll get 0 in travel credits within your first year.

The card comes with a 0 travel credit annually, and up to 0 toward Global Entry and TSA PreCheck every five years. It’s an ideal card for frequent fliers who enjoy upgrading seats, lounge access, or avoiding baggage fees to save more money on each flight.

And when you book four consecutive nights at a hotel through ThankYou.com, you’ll get the fourth night free. You can use this perk two times each year. This credit can extend your vacation an extra day without paying extra for a hotel stay. 

Marriott Bonvoy Brilliant American Express Card 

Marriott Bonvoy Brilliant™ American Express® Card
Editor’s Score: (N/A)
Last updated May 17, 2022
All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.
  • 75,000 points
  • 0
  • 16.49% – 25.49% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.

  • Generous welcome offer and rewards on Marriott purchases
  • Value of added benefits and credits can far exceed the annual fee
  • Qualify for automatic Marriott Bonvoy Gold Elite status
  • Comes with travel insurance and purchase protections
  • High annual fee
  • High APR
  • Marriott award nights use dynamic pricing, so redemption value can vary depending on your travel plans
  • Rewards aren’t that flexible
The Marriott Bonvoy Brilliant Amex Credit Card is a luxury hotel credit card with high value perks for regular travelers and fans of the hotel chain. While it does require a 0 annual fee, frequent travelers can surpass the cost with major benefits, which include a 0 annual Marriott Bonvoy statement credit, a free night award each card renewal month (up to 50,000 points), automatic Gold Elite status in the Marriott Bonvoy program, Priority Pass Select airport lounge membership, and more.
  • Up to 0 Marriott Bonvoy statement credit annually
  • 0 Marriott Bonvoy property credit when you book an eligible stay of two nights or longer at The Ritz-Carlton or St. Regis properties
  • Free night award each card renewal month (worth up to 50,000 points)
  • 15 Elite Night Credits each calendar year
  • Automatic Gold Elite status with Marriott Bonvoy
  • Priority Pass Select airport lounge membership
  • Fee credit for Global Entry or TSA PreCheck membership
  • Eligible for Amex Offers
  • Travel protections
  • Purchase protection and extended warranties on eligible items

The Marriott Bonvoy Brilliant American Express Card is a solid choice for loyal Marriott members. It has a 5 annual fee and comes with a few credits to save money on hotel stays. You’ll get up to 0 Marriott Bonvoy statement credits annually. Plus, there’s a 0 Marriott Bonvoy property credit when you book an eligible stay of at least two nights at The Ritz Carlton or St. Regis properties. The Marriott Bonvoy Brillant card also gives a free night award credit each account anniversary. 

As a cardholder, you’ll automatically be upgraded to Gold Elite status with Marriott Bonvoy, but the card also comes with 15 elite night credits each calendar year to earn a higher rewards status and get more benefits. Aside from Marriott benefits, you’ll also get a 0 fee credit for Global Entry and TSA PreCheck every four years. 

How to Maximize Your Travel Credits 

Yes, travel credits can save money on your next vacation, but the big question is how much? 

Most travel credit card credits can range from to 0, depending on the credit card, credit, and its conditions. And with airline and hotel prices on the rise this summer and a travel credit can come in handy.

“Certainly, you can offset some of those increases by using your credits that you have on your travel credit card,” Sumers adds. 

You can use the credit for a once-in-a-lifetime experience or you can cut the costs on an annual vacation. You may choose to pay less out of pocket by redeeming your travel credit to cover in-flight movies for your kids or seat-changing fees. Travel credits can also be used to upgrade your trip with a luxury perk such as a lounge access pass, a hotel stay upgrade, or a spa day — depending on your credit card’s rules. 

Pay attention to the terms and limits of your travel card’s credits. Some cards may only offer a credit, like the Global Entry/TSA PreCheck credit, once every four years. Other times, you may only get the credit for your first year as a new cardholder.

How you use your travel credits will depend on your trip itinerary and your travel preferences. For instance, you could use your travel credit to upgrade to first class, or you could use it toward baggage fees if your credit card doesn’t offer free checked bags.

“If you have a credit, I like to put things on there that you can’t use points to book,” says Lyn Mettler, travel journalist and founder of Families Fly Free, a travel program for families. “I will save credits for things like an Airbnb or vacation rental because you can’t book those in points.”

Keep in mind your credit card issuer may have limitations on what you can use your travel credits toward. For instance, the Amex Platinum Card’s travel credit can only be used toward Fine Hotels Resorts and The Hotel Collection if you prepay. You won’t earn rewards when redeeming your travel credit, and you may forfeit any amount that you don’t use when you redeem it. 

Make sure you understand the terms and conditions of your travel credits, too. If you need to change or cancel your trip, you may lose your travel credit. Oftentimes, if you book with points and you have to cancel, the points are refunded to your account. But that’s not always the case with travel credits. 

“If you use your travel credit to book a nonrefundable hotel or a flight that you can’t change, then you’re stuck,” says Mettler. 

If you’re booking a trip in advance, you may choose to save your travel credit for when you’re on your trip to be on the safe side if you need to change or cancel your trip due to an unforeseen circumstance. 

What to Know Before Getting a Travel Card 

A travel credit card definitely has its benefits: namely rewards and luxury perks. But the credit card’s value really depends on your lifestyle and spending habits. 

Before you get a travel card, look at the card’s fees, rewards, perks, and credits before applying. If you’re not a frequent traveler or you don’t plan to use the travel credits to maximize the card’s value, you will likely be better off choose another card that aligns with your lifestyle and spending habits. 

A travel card can be a way to cut costs on flights, hotels, and attractions, but be careful to avoid just chasing rewards for your next trip, since the value of rewards can be quickly wiped out if you aren’t able to pay your balance off in full and on time each month. If you don’t travel often or use the perks, a card with an annual fee may not be worth it. A good cash back card might be a better choice, with rewards on everyday spending and even some travel perks depending on the card. And cash back cards typically don’t have an annual fee to weigh rewards and benefits against. 

For instance, the Platinum Card has nearly ,400 worth of credits to use toward flights, hotels, and everyday spending. But the card has a 5 annual fee. If you don’t plan to use the majority of the credits, you may choose a credit card like the Chase Sapphire Preferred with its annual fee, to still get a hotel credit and redeem your points for travel at a boosted rate to save money on your next trip. 

But if you’re a frequent traveler that has 5-6 trips planned within the next year, you may choose to get a new card to take advantage of the welcome bonus, credits, and earn rewards to redeem for trips planned for next year. 

“If you want a few hundred dollars off of travel, just get a cash back card,” Sumers adds. “But if you can rack up these points and use them in the future for free or discounted travel, that’s another place you’re getting the value.” 

How Cash App works: Complete guide to send and receive money

18-02-2022 · Cash App is a peer-to-peer payment app that allows people to send and receive money to their friends and family. You can also use the linked debit card (optional) to make purchases or access an ATM. Consumer Reports study of peer-to-peer payment apps gave it a 64 on a scale of 1 to 100 (with 100 being the perfect score).

18-02-2022

You probably know the Cash App, it used to be called “Square Cash” but they changed the name. Today we will explain how Cash App works, with our complete guide you will learn to send and receive money through this valuable tool.

Owned by Square (led by Twitter founder Jack Dorsey), the app allows consumers to send and receive money, link to an existing bank account, or spend money directly from the Cash App with a debit card. Users can also set up direct deposits to their Cash App account.

You want to know more? Next, we explain in detail how Cash App works.

Table of Content

What is CashApp?

Cash App is a peer-to-peer payment app that allows people to send and receive money to their friends and family. You can also use the linked debit card (optional) to make purchases or access an ATM.

Consumer Reports study of peer-to-peer payment apps gave it a 64 on a scale of 1 to 100 (with 100 being the perfect score). It got good marks for data security, customer support, and accessibility (across a range of devices and for those without bank accounts). But testers felt the app could do better in terms of payment authentication and privacy.

The Cash app is available for iPhone and Android users

How does Cash App work?

Cash App is a peer-to-peer payment app, so you can use it to send, receive and request money. Instead of an account number, you are known online by your email address or phone number. Or you can create a unique identifier known as a $Cashtag. If you receive money, it goes to your Cash App account. Or you can link the Cash App to an existing bank account and use it to transfer money to and from the Cash App account. You can also send money from a debit card and spend your Cash App balance directly from it. The app also allows users to receive direct deposits (such as a paycheck ) into their accounts.

WARNING: You must be at least 18 years old to open an account. And US users can only make payments to US-based recipients, according to a company spokesperson. UK residents can use the Cash App to send and receive money within the UK.

Are there limits to the amount you can send or receive through the Cash App?

Users can send “up to 0 in a seven-day period and receive up to ,000 in a 30-day period, ” according to the Cash App website.

Once you’ve verified your account by giving information like your name, date of birth, etc., those limits are raised, according to a Cash App representative.

Plus, if you have a Cash App debit card, you can use ATMs to withdraw up to 0 at a time; ,000 in a seven-day period and ,250 in a 30-day period. And you can also get cash at the register, if the merchant allows it.

How much does CashApp cost?

Sending, receiving and transferring money is free.

And while the Cash App does not charge ATM fees, you will be responsible for any fees charged by ATM networks.

How quickly does the other party receive the money sent through Cash App?

Money can be sent and received instantly through the app, according to the site.

Adding or depositing money to your Cash App account can take one to three days, depending on your bank, the site reports.

You can also opt for instant deposits to your bank account, which are immediate but come with a 1.5 percent fee, according to a company representative.

Direct deposits can take anywhere from one to three days, depending on the sender’s bank, the representative explained.

Are Cash App transactions public?

No. And the Consumer Reports study found that “they’re actually pretty transparent about data security and privacy, but not as private as the best of them,” says Christina Tetreault, senior policy adviser at Consumer Reports.

If you send money to the wrong person or for the wrong amount using the app, that money could be permanently gone.

Is the money in the Cash App account FDIC insured?

Not at this time, according to a company representative.

What if I send the wrong amount or send it to the wrong person?

It is likely that you will never get that money back. The Cash App site states that “Payments are instant and normally cannot be cancelled”. Direct users to “look at your activity feed to see if the payment receipt shows a cancellation option.” If it doesn’t show it, the option it gives you is to use the app to ask the recipient to return the money.

And while you can apply for help through the app or the company’s website, you can’t contact the company by phone or email, according to a Cash App representative.

The Consumer Reports study found that a large number of complaints about the Cash App concerned that aspect of the service, Tetreault says.

“There are plenty of good answers to frequently asked questions, but for people looking for personal attention, this might not be that easy”, he says.

And that problem isn’t unique to Cash App, he says.

With any service that involves your money, “consumers should have multiple and abundant ways to solve problems,” says Tetreault.

Does Cash App offer its own cards?

Yes. Once you sign up for an account, you can request a free debit card.

Cash App does not offer credit cards.

Is money sent through the Cash App protected against loss, fraud and theft?

The Cash App account and debit card will fall under the new prepaid card regulation, which went into effect on April 1, Tetreault says.

That means if you have unauthorized charges and report them within two days, your losses are limited to .

You can also temporarily disable the card if you’ve lost it, according to the company’s site.

But if you actually authorize money to be sent to someone — to the wrong person, in the wrong amount, or to a recipient for merchandise that isn’t what was agreed upon — you’re not protected, Tetreault says.

Cash App has a rewards program called “Boost”. Allows you to link Cash App offers to your Cash App debit card . (You can select only one offer at a time).

When you make a purchase, the discount is automatically deducted from the price as a coupon. The card also offers a discount for purchases at cafes.

WARNING. Use these services (any peer-to-peer services) only with people you know and trust.

Do I need additional security when using the Cash app?

Cash App allows you to add a PIN code or fingerprint identification to make payments. (The PIN will be the same as your Cash App debit card, if you have one, according to the company’s site.)

Patrick Jackson, CTO of online privacy company Disconnect, gives them high marks on security and encryption. “They require an additional level of security,” he says.

That said, since it’s all about money, make sure you’re also using optional security features and good computing practices.”

If you can’t access your private network, skip public Wi-Fi, says Jackson, whose company collaborated with the Consumer Reports study on peer-to-peer payment offerings.

Tetreault echoes the recommendation to enable all available security options in the app and on your device.

“We recommend turning on security features so there’s a layer of protection,” he says. It will also be a good decision to set alerts for transactions.

Also, while you’re still technically on social media, think like a bank customer when evaluating, selecting, and using peer-to-peer payment services, says Tetreault.

“People trust the [social media-based] system because they use it with people they know and trust,” he says. Take the same approach if you’re sending money.”

Says Tetreault, “Use these services (any peer to peer service) only with people you know and trust.”

Irs Track My Stimulus Check 2021

20-02-2022 · Stimulus Check: You’ll Need This Irs Notice To Get More Money If your stimulus check was less than you deserved in 2021, you’ll need IRS Letter 6475 to claim the rest of it. Dan Avery Writer Dan is a writer on CNET’s How-To team. His byline has appeared in Newsweek, NBC News, The New York Times, Architectural Digest, The Daily Mail and elsewhere.

20-02-2022

What If I Never Got Letter 6475

Second stimulus check problems 2021: Tracking, payments delayed, going to wrong bank account, lower

If you never got a third stimulus check, you won’t receive Letter 6475. Instead, you’ll need to create an IRS online account to view the amount of your Economic Impact Payments. If you were eligible for payments and didn’t get them, you can get those funds by claiming the recovery rebate tax credit on your 2021 tax return.

I See An Irs Treas 310 Transaction Listed On My Bank Statement What Does It Mean

If you receive your tax refund by direct deposit, you may see IRS TREAS 310 listed for the transaction. The 310 code simply identifies the transaction as a refund from a filed tax return in the form of an electronic payment . You may also see TAX REF in the description field for a refund.

If you see a 449 instead of 310, it means your refund has been offset for delinquent debt.

Here’s How Long It Will Take To Get Your Tax Refund In 2022

Three in four Americans receive an annual tax refund from the IRS, which often is a family’s biggest check of the year. But with this tax season now in progress, taxpayers could see a repeat of last year’s snarls in processing, when more than 30 million taxpayers had their returns and refunds held up by the IRS.

Treasury Department officials warned last month that this year’s tax season will be a challenge with the IRS starting to process returns on January 24. That’s largely due to the IRS’ sizable backlog of returns from 2021. As of December 31, the agency had 6 million unprocessed individual returns a significant reduction from a backlog of 30 million in May, but far higher than the 1 million unprocessed returns that is more typical around the start of tax season.

  • IRS is in crisis, Taxpayer Advocate warns

That may make taxpayers nervous about delays in 2022, but most Americans should get their refunds within 21 days of filing, according to the IRS. And some taxpayers are already reporting receiving their refunds, according to posts on social media.

Yessssss. My tax refund hit my bank account!!!! Bless the financial gods!

KB

And other issues can slow down your refund, such as errors like math problems or incorrectly stating how much you received from the advanced Child Tax Credit payments. In those cases, your tax return could get flagged, leading to delays of weeks or even months.

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How To Find Out The Status Of Your Stimulus Check

If you want to find out what the status of your stimulus check is — or determine whether you’re eligible for the third round of stimulus payments — you can start with the IRS Get My Payment tool. That’s the only way to get information on your stimulus payment. The IRS isn’t taking phone calls on stimulus payments.

You can use this tool to find out when your third stimulus payment is scheduled to be sent out, the method of payment — direct deposit, paper check, or debit card — and the date it was sent to you . If you want to use this Get My Payment tool, the best time of the day to do so is in the mornings, as it’s generally updated overnight each day.

All you need in order to use this tool is your Social Security number or tax identification number , your date of birth, your address, and your zip code. Once you input that information, you should get more information on the status of your check.

If you get a message that says “Payment Status Not Available,” don’t panic. It doesn’t necessarily mean that you’re not eligible or not in line to receive a payment. That message is normal, according to the IRS, and it will likely be updated after your payment is scheduled to be sent out.

Can You Use The Portal If You Didn’t File A Tax Return

Where

You couldn’t use the “Get My Payment” tool to track the status of your first stimulus check if you didn’t file a 2018 or 2019 federal income tax return. However, there was another online tool that non-filers could use to give the IRS with the information it needed to process a payment.

  • Who’s Not Eligible For a Third Stimulus Check

The non-filers tool wasn’t used for second stimulus checks, though. Instead, if you didn’t file a 2019 tax return, and you didn’t use the non-filers tool to get your first-round payment, then you have to wait to claim your second stimulus check money as a Recovery Rebate credit on your 2020 return.

The IRS is not using the non-filers tool for third-round stimulus checks, either. As a result, if you don’t file a 2019 or 2020 tax return, you’ll have to claim any money you’re owed as a Recovery Rebate credit on your 2021 return, which you won’t file until next year. However, you can avoid having to wait until next year by filing a 2020 return before the May 17, 2021, deadline.

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How To Check Your Refund Status

Use the Where’s My Refund tool or the IRS2Go mobile app to check your refund online. This is the fastest and easiest way to track your refund. The systems are updated once every 24 hours.

You can to check on the status of your refund. However, IRS live phone assistance is extremely limited at this time. Wait times to speak with a representative can be long. But you can avoid the wait by using the automated phone system. Follow the message prompts when you call.

State Tax Relief Available In Louisiana Following Hurricane Idacontinue Reading

BATON ROUGE As the recovery period following Hurricane Ida continues, several forms of state tax and disaster relief are available to individual and business taxpayers in Louisiana. Information about all of these provisions is available at www.revenue.louisiana.gov/HurricaneIda.

Tax Filing Extensions

The Louisiana Department of Revenue is granting automatic filing extensions to taxpayers whose homes, principal places of business, critical tax records or paid tax preparers are located in the following parishes affected by Hurricane Ida:

1. Ascension

18. St. Martin

For excise, franchise, income, severance and withholding taxes with original or extended due dates on or after Aug. 26, 2021, and before Jan. 3, 2022, the automatic extended due date is Jan. 3, 2022.

This is an extension to file the applicable tax returns, but not an extension to pay any taxes due. Payments submitted after the original deadlines are subject to penalties and interest.

Read Revenue Information Bulletin 21-024 for more information.

Natural Disaster Sales Tax Refunds

Individuals may be eligible for state sales tax refunds for personal property destroyed in a natural disaster. The natural disaster must have occurred in an area of Louisiana subsequently declared a federal disaster area.

The natural disaster sales tax refund is available to individual Louisiana residents only. Property owned by corporations, partnerships or any type of business does not qualify.

Waiver of Dyed Diesel Fuel Penalty

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What Can Get My Payment Tell Me

The Get My Payment portal launched soon after the CARES Act, which included the first stimulus payment. The Internal Revenue Service tool is designed to give status information to those expecting stimulus payments. However, the IRSs responses on the site sometimes require some clarification.

Many people will receive a payment status message stating that their payment has been processed. The message will also include a payment date and how the payment is to be sent, meaning direct deposit or mail. Other people will be told that theyre eligible, though the payment is awaiting processing. No date will be given, because it is pending.

Get My Payment may also state that your payment status is not available. That could mean that the IRS has not processed the payment, does not enough information to send out a payment, or the potential recipient is ineligible.

The portal could instead say that more information is needed. That means the post office failed to deliver your payment and returned it to the IRS. According to the Agency, the best way to update an address is to submit a 2020 tax return.

The tool could also tell you to try again later. The system limits a user to three failed login attempts and five successful logins over 24 hours. So receiving this message could mean that your information doesnt match what the IRS has on file or that you have logged in too many times.

What To Do With Your Tax Refund

How to check the stimulus check payment 2021 | Tracking Your 00 payment IRS Get My Payment Tool

Through Feb. 4, 2022, over 4.3 million people have received their tax refund at an average of ,201 per person, according to the IRS. And with many Americans unable to afford a ,000 emergency, a refund of that size is extremely helpful.

If you receive a tax refund, here are some starting points of where you can send those funds:

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Stimulus Check: You’ll Need This Irs Notice To Get More Money

If your stimulus check was less than you deserved in 2021, you’ll need IRS Letter 6475 to claim the rest of it.

Dan Avery

Writer

Dan is a writer on CNET’s How-To team. His byline has appeared in Newsweek, NBC News, The New York Times, Architectural Digest, The Daily Mail and elsewhere. He is a crossword junkie and is interested in the intersection of tech and marginalized communities.

The IRS started mailing Letter 6475 in January.

Most Americans received their full Economic Impact Payment — or third stimulus check — in 2021, but it’s possible you could have more money coming. If you had a baby last year or added a qualifying child to your family, you’re eligible for another ,400. If your income changed significantly in 2021, you could also be owed more money.

The IRS finished mailing the third checks in January, but those entitled to more money can claim what’s called the recovery rebate credit on their 2021 tax returns when they file this tax season. The catch is that you’ll need a specific IRS notice to do that.

Letter 6475, Your Third Economic Impact Payment, was mailed to recipients of the third stimulus check starting in late January. It’s considered the official record of your stimulus payments for all of 2021. The letter helps determine if you’re owed more money via the recovery rebate credit. Even if you don’t qualify for more money, you still need the letter to report stimulus money on your tax return.

Why Do We Need Stimulus Checks

The economy shrank by 3.5 percent in 2020, the largest single-year decline since the end of World War II. Approximately 684,000 people initially applied for unemployment insurance in the third week of March. That is almost 100,000 fewer claims than the prior week and the lowest number since the start of the pandemic. An additional 241,000 sought Pandemic Unemployment Assistance.

Approximately 18.2 million people were receiving unemployment benefits of one kind or another as of the end of February. Thats roughly one out of every nine workers. While the official unemployment rate is 6.2 percent, the actual rate is probably closer to 10 percent, given all the people who have dropped out of the labor force. On the bright side, employers added another 379,000 jobs last month.

An economic bounceback depends on the widespread distribution of a COVID vaccine. And efforts to inoculate the public are progressing by the day. Americans have received over 145 million doses, with 28.6 percent of the population having received at least one dose and 15.8 percent completely vaccinated. Vaccination numbers continue to increase at a rate of over 2 million doses per day. In a show of continued optimism, the President Biden increased his vaccination target from 100 million doses in the first 100 days of his presidency to 200 million doses.

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What Should I Do If I See A Payment Status Not Available Message

The Get My Payment portal may give you a message that says ‘Payment Status Not Available’ until the payment is scheduled to be issued, so you don’t need to do anything until it is updated.

However, if it is a legitimate message of error the IRS FAQ page offers a few possible reasons you might be seeing that message after you enter your information:

  • You might not be eligible for a payment.
  • Your payment might not yet have been processed .
  • The IRS doesn’t have enough information to issue you a payment.

Irs Get My Payment: How To Use The Online Tracker Tool

Irs Stimulus Check / Stimulus Checks Will Go To Direct ...

To get an update on your third stimulus check using Get My Payment, enter your Social Security number, date of birth, street address and ZIP or postal code. The tool will display a message with information about your payment. You can see things like whether your money was sent or is scheduled to be sent, the payment method and the date your stimulus money was issued. The tool may also say it can’t yet determine your status — see more below about error messages.

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Can I Track My Payment

The IRS reopened its “Get My Payment” website following the passage of the American Rescue Plan, allowing people to track when they might receive their stimulus checks. The IRS created this portal last year for the ,200 stimulus checks directed by the Coronavirus Aid, Relief and Economic Security, or CARES, Act.

When people check the “Get My Payment” site for the new ,400 checks, they typically see one of several messages.

First, some people will see that their payment has been processed, along with a payment date and whether the payment will be sent via direct deposit or mail. If a check is sent by mail, the IRS will either send a paper check or a pre-paid debit card.

Others may see a message that they are eligible, but their payment hasn’t been processed and therefore there’s no payment date available.

Check The Status Of Your Stimulus Payment

You can now check the status of your 2021 Economic Impact Payment in the Get My Payment tool.

All first and second Economic Impact Payments have been sent and will no longer appear in Get My Payment. If you didnt get a first or second payment or got less than the full amounts, you may qualify for the 2020 Recovery Rebate Credit and must file a 2020 tax return even if you dont normally file.

Find help with this tool with Frequently Asked Questions.

Get My Payment updates once per day, usually overnight. Do not call the IRS. Our phone assistors don’t have information beyond what’s available on IRS.gov.

Previous payment information is no longer available in Get My Payment. See First and Second Payment Status.

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What Is The Irs

IRS stands for International Revenue Service. It is an American federal agency which deals with tax collection and laws related to taxation. President Abraham Lincoln was established in 1862 to handle the affairs of tax collection and related issues.

Here’s What Veterans And Ssi Ssdi Beneficiaries Should Know

IRS TRACK MY STIMULUS CHECK 2021 IRS.GOV: 3RD STIMULUS CHECK [AM]

The IRS tracking tool Get My Payment is designed to tell you the status of your third stimulus check. People who receive Social Security benefits like SSDI and SSI and veterans who don’t file taxes can also see their payment status in the tracker tool. Tens of millions of Social Security recipients and veterans should have already received their ,400 payment.

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Undelivered Federal Tax Refund Checks

Refund checks are mailed to your last known address. If you move without notifying the IRS or the U.S. Postal Service , your refund check may be returned to the IRS.

If you were expecting a federal tax refund and did not receive it, check the IRS’Wheres My Refund page. You’ll need to enter your Social Security number, filing status, and the exact whole dollar amount of your refund. You may be prompted to change your address online.

You can also to check on the status of your refund. Wait times to speak with a representative can be long. But, you can avoid waiting by using the automated phone system. Follow the message prompts when you call.

If you move, submit a Change of Address – Form 8822 to the IRS you should also submit a Change of Address to the USPS.

Florida Michigan Tennessee And Georgia Are Giving 00 To Teachers

Florida will be distributing stimulus payments in December for first responders and educators who work with students. Teachers and principals are eligible for payments of up to ,000.

Georgia has implemented a similar policy, giving teachers and principals ,000 in stimulus cash for their work during the pandemic.

Michigan is giving ,000 bonuses to every full-time child care professional as part of its Child Care Stabilization Grant. Licensed child care providers are eligible to apply and should visit Michigan.gov/childcare to apply. Child care professionals will be awarded bonuses directly from their employer and do not need to apply.

Tennessee will be doling out ,000 of hazard pay bonus to full-time teachers and 0 to part-time educators. They should expected to receive their checks before Jan. 1. The hazard pay came at the cost of an expected 2% raise that educators had been expecting in a bill passed in June.

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