Income Tax Rates

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If you want to see what your tax rate is, you can go to this site for the IRS:

https://www.irs.gov/filing/federal-income-tax-rates-and-brackets

FICA Tax on Your Paycheck

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The FICA is 2 taxes: the Social Security tax and the Medicare tax


Bankruptcy Courts

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Bankruptcy courts are not part of your county and state courts. They are part of the federal court system.


Social Security Garnishments

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Can your Social Security benefits be garnished? It depends. See:

https://www.ssa.gov/faqs/en/questions/KA-01873.html

Public Wi-Fi Networks

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Try not to buy things online when using a public Wi-Fi network. These will be in airports, restaurants and cafes. There may not be strong security so you may get hacked.


FHA Loan

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You can’t actually get a mortgage through the FHA. The FHA gives insurance for borrowers who may have a hard time getting a conventional mortgage.


Phishing

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Phishing is when criminals try to trick you into giving them your personal information. They will often use emails that look legitimate but they are not.


What Credit Score Do You need to Get a Mortgage?

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For a regular mortgage, you will need a 620 credit score. For an FHA mortgage, you may only need a 500 credit score with a 10 % down payment.


Mortgage Interest Rates

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Mortage interest rates are currently at about 6.3 %.


Free Tax Preparation Help

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If you are looking for free tax preparation help, try this resource:

https://www.fdic.gov/consumer-resource-center/free-tax-preparation-taxpayers-who-qualify

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