Showing posts with label New Hampshire. Show all posts
Showing posts with label New Hampshire. Show all posts

Monday, December 29, 2008

22 points of view: Homeless bloggers speak out

Once a year, at Christmastime, housed people give homeless people a little more thought-- and a little more charity-- than usual.

As appreciated as that charity is, the end of December and the beginning of the New Year is sometimes bitter and sometimes sweet for homeless people and their closest allies.

On or near the longest night of the year, cities and towns around the country commemorate the lives of homeless people who have died. The Nashville Homeless Power Project lost one of their own leaders this year so their memorial on Dec. 13 was especially poignant. The New Hampshire Under the Bridge Project has a list of people who have died in New Hampshire every year since 1994. This year's list has 36 names.

Many homeless groups are organizing and fighting back against community antipathy. In Sacramento CA, the People Project reports on a Deccmber 23rd march organized by the homeless themselves against discriminatory laws that make their lives miserable. Take Back the Land in Miami, FL is reveling in some good publicity about their movement, has been liberating public and foreclosed land and homes since 2006. The 13th Juror reports on a lawsuit filed in Laguna Beach CA charging the city with a campaign of harassment against homeless people. Ordinances prohibit homeless people from sleeping out anywhere within the city yet Laguna Beach only provides an overnight shelter between december and March. Save Feral Human Habitat is supporting an effort by the homeless and advocates to seek an extension to the city's planned January 23rd ordinance forbidding the city's homeless from sleeping out on the grounds they have nowhere else to go. Victoria BC,'s A Room of My Own is posting the minutes of organizing meetings to get a tent city established. But in the tradition of "One step forward, one step back," Chosen Fast lambasts Des Moines IO's destruction of wooden huts built by Hope Builders and the homeless themselves, because one of the huts was slightly damaged by fire.

Again, this time of year, homeless blogs pull their thoughts together to think about the policy-- and lack of policy-- that affects homelessness. Diane Nelin at Invisible Homeless Kids discusses a new report on the increase in child and youth homelessness. Wandering Vets has the 2nd part of an in-depth look at homeless veterans. SLO Homeless has a painful look at increasing family homelessness. The Ontario Coalition Against Poverty analyzes how Ontario's government "has led the way in the deterioration of income adequacy for people on assistance. "

Is passing out $13,000 in $10 bills to residents of LA's Skid Row doing people any good? Joel John Roberts at LA's Homeless Blog doesn't think so, and he explains why. Tim Harris at Apesma's Lament remarks on how policymakers just have to stay positive about the progress being made to end homelessness, even when they have to stretch the truth, and the Homeless Family's Blog isn't buying the line that homelessness is decreasing, either.

Last but not least, this is at least one time of the year when homeless people allow themselves to wax philosophical about the ending of the old and the beginning of the new. At The Adventures of Homeless Girl, the author thinks about the pursuit of happiness and what it takes to catch it. Kevin Barbieux at The Homeless Guy is not feeling too good about his life these days. Jamie's Big Voice from London has a poem to share, as does an anonymous author at Stone Soup Station. Ryan Garou at On Homelessness in America looks at an article about how to democratize powerwhile Homeless in Abbotsford BC explores the idea of generosity. Finally, the author of Homeless Man Speaks posts the plain words of his homeless friends and paints a picture with them.
Please take the time to learn something directly from homeless people by visiting these incredible blogs. Remember that thoughtful comments are always appreciated. It means somebody is listening.

Photos: Tony shoveling snow from Homeless Man Speaks; mourners from Nashville Homeless Power.

Saturday, October 11, 2008

Massachusetts versus New Hampshire

MASSACHUSETTS
Sales Taxes
State Sales Tax:
5% (food; prescription drugs; fuel costs; gas, oil, electricity; clothing costing up to $175, are exempt). For a complete list, click here.
Gasoline Tax: 23.5 cents/gallon

Diesel Fuel Tax: 23.5 cents/gallon
Cigarette Tax: $1.51/pack of 20

Personal Income Taxes
Tax Rate Range: Flat rate of 5.3% of federal adjusted gross income
Personal Exemptions: Single - $4,125; Married - $8,250;
Dependents - $1,000
Standard Deduction: None
Medical/Dental Deduction: Federal amount
Federal Income Tax Deduction: None
Retirement Income Taxes: Social Security, civil service, state/local government pensions are exempt. Pension income from other state or local governments that do not tax pension income from Massachusetts public employees is exempt from Massachusetts taxable income.
Retired Military Pay: Not taxed.
Military Disability Retired Pay:

Disability Portion - Length of Service Pay; Member on September 24, 1975 - No tax; Not Member on September 24, 1975 - Taxed, unless combat incurred. Retired Pay - Based solely on disability:
Member on September 24, 1975 - No tax; Not Member on September 24, 1975 - Taxed, unless all pay based on disability and disability resulted from armed conflict, extra-hazardous service, simulated war, or an instrumentality of war.

VA Disability Dependency and Indemnity Compensation: Not subject to federal or state taxes
Military SBP/SSBP/RCSBP/RSFPP: Generally subject to state taxes for those states with income tax. Check with state department of revenue office.

Property Taxes
Massachusetts does not provide for a general homestead exemption but does have a Homestead Act. The Homestead Act permits a homeowner who occupies a house as his/her principal residence to shield up to $500,000 in equity in that house from creditors. By simply filing a Declaration of Homestead with the appropriate Registry of Deeds, a homeowner may be able to protect his/her residence from the claim of a future creditor. The Homestead Act permits only one spouse to file for the equity protection if each has an ownership interest in the home. The protection offered to the disabled and the elderly is even more comprehensive because it allows a husband and wife who own their own home to each file for the $500,000 equity protection. Click for details.

Massachusetts also has a circuit breaker program that offers a real estate tax credit for persons age 65 and older. Certain taxpayers may be eligible to claim a refundable credit on their state income taxes for the real estate taxes paid during the tax year on the residential property they own or rent in Massachusetts that is used as their principal residence. If the credit due the taxpayer exceeds the amount of the total income tax payable for the year by the taxpayer, the excess amount of the credit will be refunded to the taxpayer without interest. For tax year 2007, the maximum credit allowed for both renters and homeowners is $900. To be eligible for the credit for the 2007 tax year; the taxpayer or spouse, if married filing jointly, must be 65 years of age or older at the close of the 2007 tax year; the taxpayer must own or rent residential property in Massachusetts and occupy the property as his or her principal residence; the taxpayer's "total income" cannot exceed $48,000 for a single filer who is not the head of a household, $60,000 for a head of house hold, or $72,000 for taxpayers filing jointly; and for homeowners, the assessed valuation as of January 1, 2007, before residential exemptions but after abatements, of the homeowner's personal residence cannot exceed $772,000. Click for details.

Inheritance and Estate Taxes
There is no inheritance tax and a limited estate tax on estates valued at $1,000,000 or more.

For further
information, visit the Massachusetts Department of Revenue site.

NEW HAMPSHIRE
Sales Taxes
State Sales Tax:
None. There is an 8% tax on lodging and restaurant meals and a 7% tax on two-way communications.

Gasoline Tax: 19.6 cents/gallon
Diesel Fuel Tax: 19.6 cents/gallon
Cigarette Tax: $1.08 cents/pack of 20

Personal Income Taxes
New Hampshire depends more upon real property taxes for revenue than most states since there are no general income, sales or use taxes. The state also receives substantial revenue from taxes on motor fuels, tobacco products, alcoholic beverages sold through the state liquor stores, and pari-mutuel betting. The state income tax is limited to a 5% tax on dividends and interest income of more than $2,400 ($4,800 for joint filers). A $1,200 exemption is available for residents who are 65 years of age or older.
Retirement Income: Not taxed.

Property Taxes
Local property taxes, based upon assessed valuation, are assessed, levied and collected by municipalities. To view the tax rates for each town, click here.

A state education property tax rate of $2.24 (2007) per $1,000 of total equalized valuation is assessed on all New Hampshire property owners. It will be $2.14 for tax year 2008. An elderly exemption for property taxes can be age, net income limits, including Social Security income, and net asset limits. Property taxes can be deferred but accrue interest at the rate of 5% per annum. The deferred property tax may not exceed more than 85% of the equity value of the residence. The deferral is available (if granted) by the assessing officials, to any resident property owner who is at least 65 years old. For single homeowners 65 and older who earn less than $5,000 and married couples who earn less than $6,000, $5,000 of their property's assessed value is exempt from taxes. In addition, the homeowner's other assets besides the home must be worth less than $35,000.

There is a Low & Moderate Income Homeowner's Property Tax Relief program in New Hampshire. Click here. You must own a homestead subject to the state education property tax; reside in such homestead as of April 1 of the year for which the claim for relief is made; have a total household income of (1) $20,000 or less if a single person or (2) $40,000 or less if married or head of a New Hampshire household.

Call 603-271-2687 for details on property taxes or click here for municipal tax rates.

Inheritance and Estate Taxes
New Hampshire's Legacy & Succession Tax was repealed in 2002 and is effective for deaths occurring on or after January 1, 2003. As a result there is no inheritance or estate tax.


For further information, visit the New Hampshire Department of Revenue Administration site or call 603-271-3397.

From Retirement Living