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saulhernandezar · 1 year

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Taking Aspire Membership Is As Easy As Counting 1, 2, 3

Are you looking for a place to bank and don’t want to deal with a bank? Aspire Credit Union is the place you can trust, with products you actually need.

Aspire Credit Union was established in 1937 with the sole purpose of providing financial assistance to its members. This spirit of collaboration continues to drive us today. As a non-profit financial institution, our mission is to assist members in achieving financial independence through a combination of cost-effective products, exemplary service, community engagement and financial education. Members of Aspire have access to a comprehensive range of financial services, such as savings accounts, auto, checking, credit, business, retirement and more. Plus, your accounts are always close at hand with our mobile app, online banking and our branches, spanning Bottineau, McHenry, McLean, Mountrail, Renville or Ward counties of North Dakota.

As your financial partner, we’re dedicated to preparing you for the road ahead. Let’s make the journey together.

Taking an Aspire Membership is easy:

Join: We make it easy to join. Simply book an appointment at a branch near you. We offer appointments over the phone, and in branch.

Plan: Speak with a member services specialist about your goals.

Be Connected: With a financial institution that truly cares, you know because we treat you like family.

After taking Aspire membership, you should know that we are:

Nonprofit and tax-exempt (but not a charity)

Cooperatively owned and governed - one member, one vote

Regulated, fully-insured financial institutions

You will receive superior member service through accurate and effective handling of your accounts. To achieve this service philosophy, we will:

Utilize state of the art technology for member service delivery

Maintain a well-trained staff, knowledgeable in all credit union services

Respond to members’ concerns with feeling and empathy

Have fun. Work can be fun, fulfilling, and exciting. Fun translates to a friendly work environment where people like to be. When we enjoy our jobs, our members enjoy us.

Aspire membership includes: anyone who lives, works, worships, or attends school; and businesses, other legal entities, and organizations of such persons; located in Bottineau, McHenry, McLean, Mountrail, Renville or Ward counties of North Dakota. Our membership also includes immediate families or households of our existing members.

What are you waiting for, connect with us to know about our Aspire membership.

Taking Aspire Membership Is As Easy As Counting 1, 2, 3

Are you looking for a place to bank and don’t want to deal with a bank? Aspire Credit Union is the place you can trust, with products you actually need.

As your financial partner, we’re dedicated to preparing you for the road ahead. Let’s make the journey together.

Taking an Aspire Membership is easy:

Join: We make it easy to join. Simply book an appointment at a branch near you. We offer appointments over the phone, and in branch.

Plan: Speak with a member services specialist about your goals.

Be Connected: With a financial institution that truly cares, you know because we treat you like family.

After taking Aspire membership, you should know that we are:

Nonprofit and tax-exempt (but not a charity)

Cooperatively owned and governed - one member, one vote

Regulated, fully-insured financial institutions

You will receive superior member service through accurate and effective handling of your accounts. To achieve this service philosophy, we will:

Utilize state of the art technology for member service delivery

Maintain a well-trained staff, knowledgeable in all credit union services

Respond to members’ concerns with feeling and empathy

Have fun. Work can be fun, fulfilling, and exciting. Fun translates to a friendly work environment where people like to be. When we enjoy our jobs, our members enjoy us.

What are you waiting for, connect with us to know about our Aspire membership.

#Student Credit Cards #CD Rates Minot ND #Aspire Membership

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mchenrycountyattorney · 3 years

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Estate Planning Attorney in McHenry County, IL

Estate Planning Lawyer in McHenry County, Illinois

When choosing an attorney for Estate Planning in McHenry County, Illinois, there is one Woodstock law firm that stands out for helping people in the areas of Estate Planning. Estate Planning Law in McHenry County, IL is really all about the legal aspects of the distribution of assets at the time of death and/or a medical incapacity. Estate Planning can be the most important area in family law as it directly affects the families and beneficiaries of someone and their wishes as to how their assets are ultimately handled. When you are in need of a trust, a medical power of attorney, or other estate planning legal instruments, or need an adjustment in your current Estate Planning documents, the Family Law firm of Carroll & Carroll can help. Attorney Peter Carroll has served families in McHenry County for more than 30 years. They provide legal services in all areas of family law.

Protect yourself and your family

One of the more significant and important areas in family law is when an individual or couple decides to plan for the ultimate – death or medical incapacity. Choosing a Estate Planning lawyer in McHenry County, IL is an important step in protecting your rights and your children’s rights. The Estate Planning McHenry County, IL law firm of Carroll & Carroll can help you gain the most equitable results from you’re the distribution of your estate, including fair distribution of assets, beneficiaries, and assets that you want to bequeath to particular beneficiaries.

Estate Planning – Taking the First Step

The way your family is taken care of is of utmost importance to you, so you need to have legal representation for your Estate Planning. Your estate consists of everything you own, including homes, other real estate, cars, savings, life insurance policies, investments, furniture, and personal belongings. When you die, you need to plan, in advance, to have your estate distributed the way you want it to me. You must specify who gets what and when. You also want it to happen without paying extra legal fee, court fees, or taxes. That is the essence of estate planning - designating in advance who you want to receive your possessions after you pass. If you don't have a plan, the state will, and it will be the state that decides all these things for your family and loved ones for you.

Begin with a will or living Trust

A will provides your instructions for distribution, but it does not avoid probate. Any assets titled in your name or directed by your will must go through your state’s probate process before they can be distributed to your heirs. This can take a long time and can be expensive with legal fees, executor fees, and court costs. To avoid probate, you can have jointly owned property and assets, and some assets which allow for beneficiaries can be distributed without probate as well as assets that let you name a beneficiary such as life insurance policies and IRAs.

Call Carroll & Carroll Today

Carroll & Carroll Attorneys at Law is ready to assist you today to start your estate planning.

Links: https://www.peterfcarroll.com/

https://www.peterfcarroll.com/estate-planning-attorney-mchenry-county-illinois

https://www.peterfcarroll.com/family-law-attorney-mchenry-county-illinois

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bestweb20sitelist · 3 years

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Biden visits Illinois to sell voters on families agenda - Times of India

New Post has been published on https://uspost.xyz/uncategorized/biden-visits-illinois-to-sell-voters-on-families-agenda-times-of-india/

Biden visits Illinois to sell voters on families agenda - Times of India

CRYSTAL LAKE: President Joe Biden on Wednesday turned his focus to pitching his proposed investments in families and education, using a visit to a community college in an Illinois swing district to highlight how his spending on so-called human infrastructure would boost the economy. The president toured McHenry County College, a community college in Crystal Lake with a workforce development program and a child care center. He’s trying to sell voters on his vision to invest in child care, health care, education and other important aspects of everyday life for Americans, White House press secretary Jen Psaki said Wednesday on Air Force One. Biden toured a metals lab at the community college, where he emphasized the need to invest in research and development to bolster manufacturing jobs. “We’ve got the best folks in the world, we’re just not investing the kind of money we should,” he said. The president also wants to put a renewed focus on the portions of his economic agenda that didn’t make it into the bipartisan infrastructure deal that he backed in June. That package includes hundreds of billions of dollars of investments in roads and bridges, transit systems and broadband, but it constitutes only part of the $4 trillion in spending Biden has proposed in a broader plan to reinvigorate the economy and boost the middle class. On Wednesday, the Democratic president took steps to highlight the rest, including his plans to invest in child care and workforce development programs and provide two years of free community college, universal prekindergarten and paid family and medical leave. He’ll make the case that investments in such programs are needed to maintain America’s economic growth and competitiveness globally. He’ll also highlight his proposals to establish a clean energy standard and invest in home care for seniors and affordable housing. And he’ll speak about his plans to make permanent the expansion in the child tax credit and expanded health care premium subsidies from the Covid-19 aid bill. Democrats plan to include much of this in a bill they hope to pass through a legislative maneuver that would require just a simple majority vote, skirting the 60-vote hurdle in an evenly divided Senate. Biden has said he would prefer that the two bills move through Congress together, and Democrats are hoping to make progress this month on both. The Biden administration promoted its agenda on multiple fronts Wednesday. First lady Jill Biden visited an elementary school in Washington to discuss how the trillions of dollars the president wants Congress to spend on families would pay for more affordable child care, preschool for all 3- and 4-year-olds, larger salaries for teachers and modern school buildings with safe drinking water, along with more teachers of color and more nurses and counselors to help students with their emotional and other needs. “You and your students will continue to be one of our top priorities, not just in one legislative bill, but in everything we do,” she said during a speech to a virtual meeting of the American Federation of Teachers union.” President Biden was greeted by Chicago Mayor Lori Lightfoot when he landed in Illinois and was met at the community college by Gov. JB Pritzker; Illinois’ two Democratic senators, Dick Durbin and Tammy Duckworth; and Democratic Rep. Lauren Underwood, who represents the district. Biden won Illinois’ 14th Congressional District by about 2 percentage points in 2020, and Underwood won reelection by less than that. Hers is one of the top-targeted seats in the nation and is emblematic of the kind of district Democrats will need to hold onto in the 2022 midterms if they hope to maintain control of the House.

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architectnews · 4 years

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Architects: Keep Georgia on your mind

How the Georgia Senate January 5th election will affect global architects, US President Biden Building News

Architects: Keep Georgia on your mind

Historic US Election Review of Architectural Aspects: Architectural Column by Joel Solkoff, PA, USA

Dec 29, 2020

Architecture under President Biden Part IV

Joel Solkoff’s Column Vol. VI, Number 7

Architects: Keep Georgia on your mind

In 1789, the first President of the United States George Washington took the oath of office in New York City. President Washington swore to “preserve, protect and defend the Constitution of the United States and defend it against all enemies foreign and domestic” on Wall Street. New York was our first Capitol under the Constitution. The following year, Amos Doolittle drew this engraving of the event at Federal Hall now an historical landmark. The engraving shows the Greek Revival style building designed by architects Town and Davis. Federal Hall is a short subway ride from the room where I am writing this column.

”You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.”

R. Buckminster Fuller, Architect

#### DATELINE – Monday , December 28, 2020. Memorial Sloan Kettering Cancer Center, New York, New York. I regard myself as a refugee from rural Lycoming County, Pennsylvania, currently the 19th fastest growing hot spot in the U.S. According to the World Health Organization, the global death toll, as of two days ago, is 1,739.000. President Trump withdrew the US from the WHO; President Elect Biden will return the US to the WHO when at long last he takes the oath of office on January 20th.

According to the US Centers for Disease Control based in Atlanta, Georgia, the US death toll as of yesterday was/is 338,263. According to reliable sources, the Trump Administration attempted to shed doubt upon the reliability of CDC data by requiring that the CDC submit its data through the US Department of Health and Human Services headed by Alex Azar former drug company executive.

At his first inauguration, President Washington said, “In these honorable qualifications, I behold the surest pledges, that as on one side, no local prejudices, or attachments; no seperate views, nor party animosities, will misdirect the comprehensive and equal eye which ought to watch over this great assemblage of communities and interests: so, on another, that the foundations of our National policy will be laid in the pure and immutable principles of private morality; and the pre-eminence of a free Government, be exemplified by all the attributes which can win the affections of its Citizens, and command the respect of the world.”

No contrast can be greater than the bizarre behavior of outgoing President Trump toward his successful opponent President Elect Biden .Trump currently has launched a spectatatiraly divisive campaign in Georgia where two of his most vocal senate supporters are fighting to keep their jobs. In the previous column, I focused on the campaign of Senator David Perdue vying aganst his Democratic opponent David Ossoff, an investigative reporter. (Guess whom I am rooting for).

Today you will meet Senato Kelly Lynn Loeffler runnng against Democrat The Rev.Mr. Raphael Warnock.

On January fifth, Georgia voters will decide whether the power of the Senate will shift so that Democrats will take control. Doing so will result in a shift away from cutbacks and toward major expenditures for public housing at a time when private architectural commissions are drying up.

President Biden owes his electoral victory to the African-American community

Two black Southern leaders with considerable influence among voters in Northern urban areas are responsible for Biden’s win.Without the endorsement and vigilant follow up in South Carolina of Representative Jim Clyburn of South Carolina, Biden ( who came in fifth at the Iowa caucuses and fourth in the New Hampshire primary) would not have received the Democratic nomination.

The second powerful leader is Stacey Abrams of Georgia whose ability to deliver the black vote (most espcially the female black vote) caused Biden to win Georgia’s electoral votes (previously regarded as an improbable) as well as many African Anerican votes in critical Northern cities, like Detroit, Michgan. Especially impresssive is Stacey Abrams’s political machine ( put together with vigor) which is likely to turn the Senate Democratic on January 5th.

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Rep. Clyburn is a powerful Democratic leader in the US House of Representatives whom Speaker of the House Nancy Pelosi relies upon for advice and direction. With the sad death this year of Representative John Lewis, Jim Clubirn retook Lewis’s place as THE representative of the loving yet militant Civil Rights Movement of which I was a card carrying member.

Wikipedia: Jim Clyburn

“James Enos Clyburn (born July 21, 1940) is an American politician and a Democratic member of the U.S. House of Representatives from South Carolina. He has served as House Majority Whip since 2019. He is a two-time Majority Whip, having previously served in the post from 2007 to 2011, and served as House Assistant Minority Leader from 2011 to 2019.

“Currently in his 14th term as a congressman, Clyburn has served as U.S. Representative for South Carolina’s 6th congressional district since 1993. His congressional district includes most of the majority-black precincts in and around Columbia and Charleston, as well as nearly all of a mostly rural region within South Carolina. Clyburn is the current dean of the South Carolina congressional delegation.

“Clyburn has been the third-ranking Democrat in the House behind Nancy Pelosi and Steny Hoyer since 2007, serving as Majority Whip behind House Speaker Pelosi and Majority Leader Hoyer during periods of Democratic House control, and as Assistant Minority Leader behind Minority Leader Pelosi and Minority Whip Hoyer during periods of Republican House control. After the Democrats took control of the House following the 2018 midterm elections, Clyburn was re-elected Majority Whip in January 2019 on the opening of the 116th Congress, alongside the re-elected Speaker Pelosi and Majority Leader Hoyer, marking the second time the trio has served in these roles together.”

Jim Clyburn – Wikipedia

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Noteworthy, while looking at Rep. Clyburn’s homepage just now, this two-year old posting on public housing appeared in a prominent spot.

“In my last newsletter I laid out the devastating impact the new Republican tax law would have on middle-income Americans, and I offered some proposals for a better deal. I’ve heard from a large number of you expressing grave concerns that the new tax law would make the affordable housing crisis worse. Unfortunately, it will. According to Novogradac & Company, because of the Republican tax law’s adverse impact on low-income housing tax credits, 235,000 fewer affordable housing units—nearly twenty percent—will be built over the next ten years.

“Meanwhile, according to the Post & Courier, in South Carolina, the cost of rent rose at twice the rate of income over the last few years, which has undoubtedly contributed to North Charleston and Columbia being ranked the #1 and #8 cities for eviction by the Princeton-backed, EvictonLab.org. South Carolina evicts families from their homes at a rate four times higher than the national average. In this newsletter, I propose a better deal on affordable housing. Home ownership and safe and secure housing are central to stabilizing communities and building family wealth. Martin Luther King, Jr. often spoke of the beloved community, and in the title of his last book, he asked a poignant question, ‘Where Do We Go From Here: Chaos or Community?’

“Today, fifty years after King’s death, that question still looms large. The results of recent studies are ominous. Skyrocketing evictions, steady foreclosures, fewer affordable housing units and increased rent to live in public housing at a time when wages have not kept pace are raw deals that could create the ‘perfect storm’ of chaos. America’s and South Carolina’s families deserve a better deal.”

This capitol of the State of South Carolina, is replete with histrical and political drama. On the grounds is a monument to the South Carolina slave trade. The pre-Civil War structure was originally designed by a an arvchitect who was fired for fraud and dereliction of duty. In 1865, Union Troops under the command of General William Tecumseh (“war is hell”) Sherman burned the structure to the ground. This building was completed in its orignal form by archtect Frank McHenry Nemsee in 1877. Several early 20th century Confederate monuments were erected and the focus of significant controversy. Photo courtesy of Wikimedia Commons.

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Georgia on our minds

Under state law, a candidate for a US Senate seat in Georgia must receive at least 50 percent of the vote. Neither of the two pair of candidates was able to do so on November third. Therefore, this consequential race— which has already cost, according to a Newsweek report, over $400 .million— is a run off. As you know, a senate term is six years. Political junkies like me observe the first two years one can be a statesman. The second two: half statesman half politician. The last two: all politician and as is the case with Senator David Perdue running like hell for re-election.

Republican Senator Kelly Loeffler was not elected to the job. She was appointed by the governor to fill the vacancy created when Republican Senator Johnny Isakson resigned because of health problems. The governor who appointed Loeffler is Republican Brian Kemp a very strong Trump supporter.. Two years previous, Kemp, who had been Georgia Secregtary of State, narrowly won election against Stacey Abrams.

Remember, Stacey Abrams is one the two black leaders from the South who made it possibe for Joe Biden to be elected President. Now would be a good time to read the following selection of Stacey Abrams’s Wikipedia biography. Abrams emerges from the 2020 Presidential election as a kingmaker. Stacey Abrams, DC political insiders like me speculate, could have had her pick of Biden’s domestic cabinet positions–Abrams would, for example, have made an excellent choice as Secretary of Housing and Urban Develpment if she did not have her heart set on defeating current Governor Kemp when up for re-election in two years.

Wikipedia: Stacey Abrams

“Stacey Yvonne Abrams ( born December 9, 1973) is an American politician, lawyer, voting rights activist, and author who served in the Georgia House of Representatives from 2007 to 2017, serving as minority leader from 2011 to 2017 member of the Democratic Party. Abrams founded Fair Fight Action, an organization to address voter suppression, in 2018.

“Abrams was the Democratic party’s nominee in the 2018 Georgia gubernatorial election, becoming the first African-American female major-party gubernatorial nominee in the United States. She lost to Brian Kemp in an election marked by accusations that Kemp engaged in voter suppression. In February 2019, Abrams became the first African-American woman to deliver a response to the State of the Union address. She was one of 16 electors selected to cast Georgia’s votes in the Electoral College for Joe Biden following the 2020 presidential election.”

—Stacey Abrams – Wikipedia

It has been 28 years since Georgia voted Democratic for President. Without question, Biden’s win of Georgia’s 16 elector voters (reminder: the oft mentioned Pennsylvania contest secured 20 votes ) was the narrowest of Biden’s wins and was recounted more than once. Abram’s organization is likely to determine senate control for the Democrats on Janaury fifth.

The upshot of the Presidential November 3rd election also resulted in a new senate that until now is an even split of 48 senators. If Perdue’s opponent Ossoff wins and if Loeffler’s opponient Warnock wins then the even 50-50 split will make the Senate Democratic. because Vice President Kamala Harris will also serve in her only Consitutional mandated capacity as President of the Senatre breaking the tie. Got it? Before the complicated multi-character situation becomes even more complicated, let us take a deep breath while watching the classic comedic sketch this situation comes to mind;namely, Who’s on first?

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Because Trump insists the Presidential contest is not over…

The final election vote count in Georgia was certified by Georgia’s Secretary of State Brad Raffensperger who was appointed by Governor Kemp who previously had been Secretary of State before being elected Governor. After President Trump lost lawsuits alleging fraud and election theft, Trump followed up by attacking Governor Kemp who has been one of the President’s strongest election supporters.

Indeed, Governor Kemp filed a personal lawsuit against the mayor of Atlanta. The governor opposed compulsary mask wearing orders by mayors in the state. Atlanta Mayor Lance Bottoms had reproved President Trump for arriving in her city without wearing a mask.

Even so, Trump has been trying to convince the state legislature to reberse Kemp and his secretary of state certification and overturn the official result. This puts Senator Loeffler in the uncomfortable position of agreeing with her President’s attack–without Trump support she cannot win–on the governor who appointed her to the senate.

Wikipedia: Kelly Loeffler

“Kelly Lynn Loeffler (born November 27, 1970) is an American businesswoman and politician serving as the junior United States Senator from Georgia since 2020. A Republican, Loeffler was previously chief executive officer (CEO) of Bakkt, a subsidiary of commodity and financial service provider Intercontinental Exchange owned by her husband, Jeffrey Sprecher. She co-owns the Atlanta Dream of the Women’s National Basketball Association (WNBA).

“Brian Kemp, the Republican Governor of Georgia, appointed Loeffler to the Senate in December 2019 after Republican Senator Johnny Isakson resigned for health reasons. Loeffler is running in the 2020 Georgia U.S. Senate special election, the winner of which will hold the Senate seat until January 3, 2023. She finished second in the November 3 election, advancing to a runoff with Democrat Raphael Warnock scheduled for January 5, 2021

“Loeffler has strongly aligned herself to President Donald Trump and touted her “100 percent Trump voting record” during the campaign.[4] She was investigated in connection with the 2020 Congressional insider trading scandal after selling stock in companies vulnerable to the COVID-19 pandemic valued at several million dollars the same day she attended a private briefing of the Committee on Health, Education, Labor & Pensions on the disease, before the public had been alerted to its severity. Both the Department of Justice the Senate Ethics Committee eventually dropped their probes of Loeffler, with the Senate Ethics Committee not finding any evidence of her violating federal law, Senate rules or standards of conduct.”

Kelly Loeffler – Wikipedia

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Wikipedia: Raphael Warnock

“Raphael Gamaliel Warnock (born July 23, 1969) is an American pastor and politician. He has been the senior pastor of Ebenezer Baptist Church in Atlanta since 2005. Warnock came to prominence in Georgia politics as a leader in the campaign to expand Medicaid under the Affordable Care Act. A member of the Democratic Party, he is running in the 2020 U.S. Senate special election in Georgia for the seat now held by Kelly Loeffler.

“Warnock supports expanding the Affordable Care Act and has called for the passage of the John Lewis Voting Rights Act. He also supports increasing Covid relief funding. A proponent of abortion rights and gay marriage, he has been endorsed by Planned Parenthood. He opposes the concealed carry of firearms, saying that religious leaders do not want guns in places of worship.Warnock has long opposed the death penalty, having advocated for death row inmate Troy Davis, who was executed in 2011 for killing a police officer despite evidence that supported his innocence.”

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Capitol of the State of Georgia, Atlanta. Wikipedia: “.Like many U.S. state capitols, the Georgia State Capitol is designed to resemble the Neoclassical architectural style of the United States Capitol, in Washington, D.C. Former Confederate general Philip Cook. was a member of the commission that oversaw planning and construction of the building. The commission engaged architects Willoughby J. Edbrooke and Franklin Pierce Burnham, of Chicago to design the building and Miles and Horne of Toledo, Ohio for construction. Work completed in March 1889. Sculptor George Crouch executed all the ornamental work on the building.” Published in accordance with Wikimedia Commons licensing.

Note: Wikipdia needs all our help. Please: Make your donation now – Wikimedia Foundation

My editors beckon: “All right, stop writing, Joel.”

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Isabelle Lomholt and Adrian Welch, Editors at e-architect

Photo by AB; published with permission

Joel Solkhoff, PA, USA: Upper East Side, Manhattan, New York

My editors beckon: “All right, stop writing, Joel.”

Isabelle Lomholt and Adrian Welch, Editors at e-architect

Joel Solkhoff, PA, USA: Selfie, Lycoming County, Pennsylvania, USA

Please feel free to phone me at US 570-772-4909 or send an e-mail [email protected]

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The firm producedBBCinvestigations aboutISISwar crimesanddeath squadsinEast Africa. Ossoff was also involved in producing a documentary about the staging of a play inSierra Leone.

’Joel’s previous articles

Dec 24, 2020 All Architects Must Be Covid-19 Architects

Nov 12, 2020 Architecture under the Biden Presidency

Sen. Kelly Loeffler And Raphael Warnock Face Off In Georgia Senate Runoff Debate – NBC News NOW – YouTube

The election is on January 5, 2020.

Architecture Columns

Architecture Columns – chronological list

Special Wooden Floors for Renzo Piano’s Whitney in New York

New York City Mayor Bill de Blasio, Queens Library

Renzo Piano’s Whitney Neighborhood

Detroit Dying Special Report

Disability-Access Architecture

US Architecture

American Architecture

American Architects

Joel Solkoff’s Column Vol. IV, Number 2

Joel Solkoff’s Column Vol. IV, Number 1

Special Wooden Floors for the Whitney

Detroit will be a Trendy City

Belt and Suspenders Routine – Joel Solkoff’s Column

Joel Solkoff’s Column Volume II No. 6

Joel Solkoff’s Column, Vol.II, Number 7

Comments / photos for the Architecture under President Biden – page welcome

The post Architects: Keep Georgia on your mind appeared first on e-architect.

#e-architect

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cutmytaxes1 · 3 days

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Wondering how to lower your upcoming McHenry property bills!

Yes, reach out to O'Connor's tax reduction experts for more info on the property tax protection program https://www.cutmytaxes.com/illinois/mchenry-county-property-tax-reduction/

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oconnor2023 · 4 months

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How to Cut Your Property Taxes ?

You can now reduce your McHenry County property taxes every year by enrolling in our property tax protection program. Sign up with the largest property tax consultant to lower your taxes, reach us at https://www.cutmytaxes.com/illinois/mchenry-county-property-tax-reduction/

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realestatedigitalsales · 4 years

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Top 10 U.S. housing markets that could be hardest hit by coronavirus

Top 10 U.S. housing markets that could be hardest hit by coronavirus

Jeff Ostrowski Senior mortgage reporter The housing slowdown caused by the coronavirus could deliver the sharpest shocks to real estate markets in New Jersey, Illinois and Florida. That’s according to an analysis by ATTOM Data Solutions. The provider of property data studied housing markets in 483 U.S. counties and looked for signs of weakness based on housing affordability, the share of homes where owners owe more than their homes are worth and foreclosure rates. Those metrics serve as “major distress indicators,” and they highlight the areas of the country that already were vulnerable heading into the coronavirus downturn, says Todd Teta, chief product officer at ATTOM. As housing demand weakens and struggling borrowers stop making mortgage payments, the areas singled out by ATTOM face a heightened risk of foreclosures and falling property values – although for now, most lenders are refraining from initiating foreclosure proceedings. The Garden State fares poorly in ATTOM ‘s analysis. New Jersey locales make up six of the nine most vulnerable counties and 10 of the 20 counties with the gloomiest outlook. The analysis considered only economic factors, not public health data, so Teta says he didn’t factor in the high number of coronavirus cases in New Jersey. The state ranks second to only New York in confirmed cases of coronavirus and deaths from COVID-19.

An unequal housing boom

In the nation’s strongest housing markets, home values have rallied far past their peaks set during the housing boom of 2005 to 2007. That’s not the case for much of New Jersey, however. Even before the coronavirus pandemic struck, New Jersey’s housing market was struggling, says Jeffrey Otteau of Otteau Group, an appraisal firm in Matawan, New Jersey. The state’s housing market still hasn’t fully recovered from the last global financial crisis. “New Jersey has been one of the worst-performing states in terms of home price recovery coming out of the Great Recession,” Otteau says. “You have very thin equity levels, and you still have negative equity. And you layer on top of that the COVID-19 recession.” Among the economic headwinds, New Jersey’s steep taxes and high cost of living have hampered job growth and population growth. “New Jersey has more outbound migration than inbound migration,” Otteau says. “People and jobs are both leaving, in stark numbers.” In one small upside for New Jersey’s housing market, the coronavirus crisis has spurred some residents of New York City to look for homes in the suburbs, he says. Not everyone agrees with the dire assessment. “We are a healthy state,” says Angela Sicoli, president of the New Jersey Realtors and owner of Century 21 Award Agency in Nutley. “We were in an upswing prior to the pandemic.”

The 10 most vulnerable counties

The national housing market was strong going into the pandemic. A typical homebuyer needed to devote a reasonable 31 percent of income to afford a median-priced home. Less than 14 percent of homeowners were underwater, meaning more was owed on the mortgage than the house is worth. And just 0.08 percent of American homes were in foreclosure, a historic low. But all real estate is local, as the saying goes. ATTOM says housing markets in these counties showed the strongest signs of stress heading into the coronavirus crisis: Sussex County, New Jersey: This area along the Pennsylvania border has a population of 140,000. More than a quarter of homeowners were “underwater” – meaning they owed more than their homes were worth – at the end of 2019. And the foreclosure rate was 0.3 percent, compared to a national total of less than 0.1 percent. Warren County, New Jersey: Warren County is located along the Pennsylvania border and is adjacent to Sussex County. Fully 28 percent of homeowners were underwater, and the county’s foreclosure rate also was 0.3 percent. However, its affordability picture is slightly more favorable than Sussex County’s. Charles County, Maryland: In this county south of Washington, D.C., affordability poses a problem. A typical buyer needed to spend nearly 43 percent of income to afford the median-priced home during the first quarter of 2020, according to ATTOM. McHenry County, Illinois: In this county northwest of Chicago, nearly 24 percent of homeowners were underwater at the end of 2019, and the foreclosure rate was 0.2 percent. Illinois has mostly missed the economic boom of the past decade, Teta notes. The state’s job growth has been tepid and home values have barely appreciated. Rockland County, New York: Homes are eye-wateringly expensive in this suburban county in the New York City metro area. A typical buyer needed to devote a whopping two-thirds of income to afford a home in the first quarter of 2020, when the median price was $406,500. Atlantic County, New Jersey: This coastal county is home to Atlantic City, where the tourism economy has been hit hard. More than a third of Atlantic County homeowners were underwater, and the foreclosure rate topped 0.2 percent. Passaic County, New Jersey: Affordability is the major challenge for this area just outside of New York City. A typical buyer needed to devote more than half of income to afford the median-priced home during the first quarter of 2020, according to ATTOM. Ocean County, New Jersey: This county along the Jersey Shore is another place where affordability poses a high hurdle. Median-income homebuyers needed to devote nearly 45 percent of their income to afford a median-priced home. Gloucester County, New Jersey: In this county in suburban Philadelphia, more than 27 percent of homeowners are underwater, and the foreclosure rate is more than 0.3 percent. Flagler County, Florida: This small coastal county is situated between Daytona Beach and St. Augustine. Affordability poses the major pain point: A buyer would spend 47 percent of income on a median-priced home. Not all of New Jersey is in the danger zone. Some Garden State counties were well-positioned heading into the pandemic. For instance, Hudson County ranks No. 349 on ATTOM’s list of 483 counties. Somerset County is No. 217, and Morris County is No. 158. While just one Florida county made the top 10, there are 10 Florida counties ranked among the 50 most vulnerable housing markets. These include Flagler, Lake, Bay, Clay, Broward, Hernando, Santa Rosa, Osceola, Highlands, and Charlotte counties. Four Illinois counties, in addition to McHenry, also made the top 50: Kane, Will, Tazewell and Lake. Fast-appreciating housing markets in the western half of the U.S. are mostly absent from ATTOM’s list of vulnerable areas. California has just one county in the top 50. Colorado and Washington state don’t have a single county in the top 300. That’s because soaring home prices have given homeowners a cushion of equity. If you’re wondering, ATTOM says the nation’s most solid housing market is Indiana’s Tippecanoe County, home of Purdue University.

What to do if you’re facing housing distress

With many homeowners suddenly out of work, the Federal Housing Finance Agency has opened forbearance programs that allow for missed mortgage payments. “If you have any level of financial impact from this, I’d certainly research the forbearance programs that are out there,” Teta says. “That’s what they’re there for. These mortgage relief programs are better designed than the ones in the Great Recession.” The earlier generation of initiatives helped some homeowners but frustrated others. If you had been pondering a home sale, it would be wise to sit on the sidelines, Teta says. “Unless you need to sell, I would not right now,” he says. “We’re of the opinion that this is a three- to five-month delay in the selling season. In three to five months, there’s going to be a lot more demand.” For those shopping for homes, on the other hand, the coronavirus slowdown could offer some bargains. Sellers who have kept their properties on the market could be signaling a willingness to negotiate. “If you’re a buyer,” Teta says, “there are some potential opportunities out there.” Read more https://global.goreds.today/real-estate-10-years-later-many-underwater-counties-have-not-escaped-the-housing-crisis/ Read the full article

#Top10U.S.housingmarketsthatcouldbehardesthitbycoronavirus

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124southmain · 5 years

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Extension of Replacement Period for Livestock Sold on Account of Drought on Cook & Co. News

New Post has been published on https://cookco.us/news/extension-of-replacement-period-for-livestock-sold-on-account-of-drought/

Extension of Replacement Period for Livestock Sold on Account of Drought

Notice 2019- 54

SECTION 1. PURPOSE This notice provides guidance regarding an extension of the replacement period under § 1033(e) of the Internal Revenue Code for livestock sold on account of drought in specified counties.

SECTION 2. BACKGROUND .01 Nonrecognition of Gain on Involuntary Conversion of Livestock. Section 1033(a) generally provides for nonrecognition of gain when property is involuntarily converted and replaced with property that is similar or related in service or use. Section 1033(e)(1) provides that a sale or exchange of livestock (other than poultry) held by a taxpayer for draft, breeding, or dairy purposes in excess of the number that would be sold following the taxpayer’s usual business practices is treated as an involuntary conversion if the livestock is sold or exchanged solely on account of drought, flood, or other weather-related conditions.

.02 Replacement Period. Section 1033(a)(2)(A) generally provides that gain from an involuntary conversion is recognized only to the extent the amount realized on the conversion exceeds the cost of replacement property purchased during the replacement period. If a sale or exchange of livestock is treated as an involuntary conversion under § 1033(e)(1) and is solely on account of drought, flood, or other weather-related conditions that result in the area being designated as eligible for assistance by the federal government, § 1033(e)(2)(A) provides that the replacement period ends four years after the close of the first taxable year in which any part of the gain from the conversion is realized. Section 1033(e)(2)(B) provides that the Secretary may extend this replacement period on a regional basis for such additional time as the Secretary determines appropriate if the weather-related conditions that resulted in the area being designated as eligible for assistance by the federal government continue for more than three years. Section 1033(e)(2) is effective for any taxable year with respect to which the due date (without regard to extensions) for a taxpayer’s return is after December 31, 2002.

SECTION 3. EXTENSION OF REPLACEMENT PERIOD UNDER § 1033(e)(2)(B) Notice 2006-82, 2006-2 C.B. 529, provides for extensions of the replacement period under § 1033(e)(2)(B). If a sale or exchange of livestock is treated as an involuntary conversion on account of drought and the taxpayer’s replacement period is determined under § 1033(e)(2)(A), the replacement period will be extended under § 1033(e)(2)(B) and Notice 2006-82 until the end of the taxpayer’s first taxable year ending after the first drought-free year for the applicable region.

For this purpose, the first drought-free year for the applicable region is the first 12-month period that:

(1) ends August 31;

(2) ends in or after the last year of the taxpayer’s four-year replacement period determined under § 1033(e)(2)(A); and (3) does not include any weekly period for which exceptional, extreme, or severe drought is reported for any location in the applicable region. The applicable region is the county that experienced the drought conditions on account of which the livestock was sold or exchanged and all counties that are contiguous to that county.

A taxpayer may determine whether exceptional, extreme, or severe drought is reported for any location in the applicable region by reference to U.S. Drought Monitor maps that are produced on a weekly basis by the National Drought Mitigation Center.

U.S. Drought Monitor maps are archived at http://droughtmonitor.unl.edu/Maps/MapArchive.aspx.

In addition, Notice 2006-82 provides that the Internal Revenue Service will publish in September of each year a list of counties1 for which exceptional, extreme, or severe drought was reported during the preceding 12 months. Taxpayers may use this list instead of U.S. Drought Monitor maps to determine whether exceptional, extreme, or severe drought has been reported for any location in the applicable region.

The Appendix to this notice contains the list of counties for which exceptional, extreme, or severe drought was reported during the 12-month period ending August 31,

Under Notice 2006-82, the 12-month period ended on August 31, 2019, is not a drought-free year for an applicable region that includes any county on this list. Accordingly, for a taxpayer who qualified for a four-year replacement period for livestock sold or exchanged on account of drought and whose replacement period is scheduled to expire at the end of 2019 (or, in the case of a fiscal year taxpayer, at the end of the taxable year that includes August 31, 2019), the replacement period will be extended under § 1033(e)(2) and Notice 2006-82 if the applicable region includes any county on this list. This extension will continue until the end of the taxpayer’s first taxable year ending after a drought-free year for the applicable region.

SECTION 4. DRAFTING INFORMATION The principal author of this notice is Lewis Saideman of the Office of Associate Chief Counsel (Income Tax & Accounting). For further information regarding this notice, please contact Mr. Saideman at (202) 317-7006 (not a toll-free call).

APPENDIX

Alabama

Counties of Barbour, Bibb, Chilton, Coffee, Covington, Dale, Geneva, Henry, Houston, Jefferson, Shelby, and Tuscaloosa.

Alaska

Municipality of Anchorage. Boroughs of Kenai Peninsula, Ketchikan Gateway, Kodiak Island, Lake and Peninsula, Matanuska-Susitna. Census Areas of Prince of Wales-Outer Ketchikan, Skagway-Hoonah-Angoon, Valdez-Cordova, Wrangell-Petersburg, and Yukon-Koyukuk.

Arizona

Counties of Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Maricopa, Mohave, Navajo, Pima, Pinal, Santa Cruz, Yavapai, and Yuma.

Arkansas

Counties of Columbia, Lafayette, and Union.

California

Counties of Del Norte, Humboldt, Imperial, Los Angeles, Modoc, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Siskiyou, Trinity, and Ventura.

Colorado

Counties of Alamosa, Archuleta, Baca, Bent, Boulder, Chaffee, Clear Creek, Conejos, Costilla, Crowley, Custer, Delta, Dolores, Eagle, Elbert, El Paso, Fremont, Garfield, Gilpin, Grand, Gunnison, Hinsdale, Huerfano, Jackson, Kiowa, Lake, La Plata, Larimer, Las Animas, Lincoln, Mesa, Mineral, Moffat, Montezuma, Montrose, Otero, Ouray, Park, Pitkin, Prowers, Pueblo, Rio Blanco, Rio Grande, Routt, Saguache, San Juan, San Miguel, and Summit.

Florida

Counties of Brevard, Holmes, Indian River, Jackson, Martin, Okaloosa, Palm Beach, Saint Lucie, and Walton.

Georgia

Counties of Atkinson, Bacon, Ben Hill, Berrien, Brantley, Bryan, Bulloch, Charlton, Chatham, Clay, Clinch, Coffee, Cook, Early, Effingham, Irwin, Jeff Davis, Lanier, Pierce, Screven, and Ware.

Hawaii

Counties of Hawaii, Honolulu, Kauai, and Maui.

Idaho

Counties of Bannock, Benewah, Bonner, Boundary, Canyon, Cassia, Franklin, Kootenai, Oneida, Owyhee, Payette, Power, Shoshone, Twin Falls, and Washington.

Illinois

Counties of Hancock, Henderson, Mercer, Rock Island, and Warren.

Iowa

Counties of Appanoose, Clarke, Davis, Decatur, Des Moines, Henry, Jefferson, Lee, Louisa, Lucas, Mahaska, Marion, Monroe, Ringgold, Van Buren, Wapello, and Wayne.

Kansas

Counties of Anderson, Atchison, Brown, Chase, Coffey, Dickinson, Douglas, Franklin, Geary, Greenwood, Harvey, Jackson, Jefferson, Johnson, Leavenworth, Linn, Lyon, McPherson, Marion, Marshall, Miami, Morris, Nemaha, Osage, Pottawatomie, Riley, Saline, Shawnee, Wabaunsee, and Wyandotte.

Louisiana

Parishes of Bienville, Bossier, Caddo, Claiborne, De Soto, Jackson, Lincoln, Natchitoches, Red River, Union, Webster, and Winn.

Maine

Counties of Cumberland, Hancock, Knox, Lincoln, Sagadahoc, and Waldo.

Michigan

Counties of Antrim, Charlevoix, Cheboygan, Crawford, Emmet, Kalkaska, Mackinac, Montmorency, Oscoda, Otsego, and Presque Isle.

Minnesota

County of Marshall.

Missouri

Counties of Adair, Andrew, Audrain, Barry, Barton, Benton, Boone, Buchanan, Caldwell, Callaway, Carroll, Cass, Cedar, Chariton, Christian, Clark, Clay, Clinton, Cole, Cooper, Dade, Dallas, Daviess, DeKalb, Douglas, Gentry, Greene, Grundy, Harrison, Hickory, Holt, Howard, Jackson, Jasper, Johnson, Knox, Laclede, Lafayette, Lawrence, Lewis, Linn, Livingston, McDonald, Macon, Maries, Mercer, Moniteau, Monroe, Morgan, Newton, Nodaway, Osage, Pettis, Phelps, Platte, Polk, Pulaski, Putnam, Randolph, Ray, Saint Clair, Saline, Schuyler, Scotland, Stone, Sullivan, Taney, Webster, Worth, and Wright.

Montana

Counties of Blaine, Flathead, Lincoln, Mineral, Phillips, Sanders, and Valley.

Nevada

Counties of Clark, Elko, Humboldt, Washoe, and White Pine.

New Mexico

Counties of Bernalillo, Catron, Chaves, Cibola, Colfax, Curry, DeBaca, Eddy, Grant, Guadalupe, Harding, Lea, Lincoln, Los Alamos, McKinley, Mora, Otero, Quay, Rio Arriba, Roosevelt, Sandoval, San Juan, San Miguel, Santa Fe, Sierra, Socorro, Taos, Torrance, Union, and Valencia.

New York

Counties of Clinton, Essex, Franklin, Hamilton, and Warren.

North Dakota

Counties of Benson, Bottineau, Burke, Cavalier, Divide, Eddy, Foster, Grand Forks, Hettinger, McHenry, Mountrail, Nelson, Pembina, Pierce, Ramsey, Renville, Rolette, Sheridan, Stark, Towner, Walsh, Ward, and Wells.

Oklahoma

Counties of Beckham, Blaine, Caddo, Canadian, Carter, Cimarron, Comanche, Cotton, Custer, Ellis, Garvin, Grady, Greer, Harmon, Jackson, Jefferson, Kay, Kiowa, Love, McClain, Noble, Nowata, Osage, Pawnee, Roger Mills, Rogers, Stephens, Tillman, Tulsa, Washington, and Washita.

Oregon

Counties of Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wasco, Washington, Wheeler, and Yamhill.

South Carolina

Counties of Allendale, Barnwell, Beaufort, Berkeley, Charleston, Colleton, Dorchester, Hampton, and Jasper.

South Dakota

Counties of Brown, Edmunds, Faulk, Haakon, McPherson, Spink, and Ziebach.

Texas

Counties of Anderson, Aransas, Archer, Armstrong, Atascosa, Baylor, Bee, Bell, Bexar, Blanco, Borden, Bosque, Bowie, Brazos, Briscoe, Brooks, Brown, Burleson, Burnet, Caldwell, Callahan, Camp, Carson, Cass, Castro, Cherokee, Childress, Clay, Coke, Coleman, Collingsworth, Comal, Comanche, Concho, Coryell, Cottle, Crosby, Culberson, Dallas, Dawson, Deaf Smith, Delta, Denton, Dickens, Dimmit, Donley, Duval, Eastland, Edwards, Ellis, Erath, Falls, Fisher, Floyd, Foard, Franklin, Freestone, Frio, Gaines, Garza, Gillespie, Glasscock, Gonzales, Gray, Gregg, Guadalupe, Hale, Hall, Hamilton, Hardeman, Harrison, Haskell, Hays, Hill, Hockley, Hood, Hopkins, Houston, Howard, Hudspeth, Jack, Jeff Davis, Jim Hogg, Jim Wells, Johnson, Jones, Kendall, Kent, Kerr, Kimble, King, Kinney, Kleberg, Knox, Lamar, Lamb, Lampasas, La Salle, Leon, Limestone, Live Oak, Llano, Lubbock, Lynn, McCulloch, McLennan, McMullen, Madison, Marion, Martin, Mason, Maverick, Medina, Menard, Midland, Milam, Mills, Mitchell, Montague, Morris, Motley, Navarro, Nolan, Nueces, Oldham, Palo Pinto, Panola, Parker, Potter, Presidio, Randall, Reagan, Real, Red River, Refugio, Robertson, Runnels, Rusk, San Patricio, San Saba, Schleicher, Scurry, Shackelford, Smith, Somervell, Starr, Stephens, Sterling, Stonewall, Sutton, Swisher, Tarrant, Taylor, Terrell, Terry, Throckmorton, Titus, Travis, Upshur, Upton, Uvalde, Val Verde, Van Zandt, Webb, Wheeler, Wichita, Wilbarger, Williamson, Wilson, Wise, Wood, Young, Zapata, and Zavala.

Utah

Counties of Beaver, Box Elder, Cache, Carbon, Daggett, Davis, Duchesne, Emery, Garfield, Grand, Iron, Juab, Kane, Millard, Morgan, Piute, Rich, Salt Lake, San Juan, Sanpete, Sevier, Summit, Tooele, Uintah, Utah, Wasatch, Washington, Wayne, and Weber.

Vermont

Counties of Addison, Chittenden, Franklin, Lamoille, Orleans, and Washington. Washington

Counties of Clallam, Clark, Cowlitz, Grays Harbor, Jefferson, King, Kitsap, Klickitat, Lewis, Mason, Pacific, Pend Oreille, Pierce, Skagit, Skamania, Snohomish, Stevens, Thurston, Wahkiakum, and Whatcom.

Wyoming

Counties of Carbon and Sweetwater.

Guam Island of Guam.

Commonwealth of the Northern Mariana Islands

Islands of Rota and Saipan.

Commonwealth of Puerto Rico

Municipalities of Aibonito, Barranquitas, Cabo Rojo, Cayey, Cidra, Coamo, Comerio, Guanica, Guayama, Guayanilla, Juana Diaz, Lajas, Penuelas, Ponce, Sabana Grande, Salinas, Santa Isabel, Villalba, and Yauco.

United States Virgin Islands

Islands of Saint Croix and Saint Thomas.

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go-redgirl · 7 years

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ILLINOIS HAS 63,000 GOVERNMENT WORKERS MAKING OVER $100K Illinois Policy ^

Illinoisans are struggling under the highest property taxes in the nation, a declining population and the nation’s worst income growth, but one group is still doing pretty well – government workers.

According to OpenTheBooks.com, Illinois has 63,000 public employees making more than $100,000, costing taxpayers $10 billion. These government workers range from auto pound supervisors to corrections nurses to junior college presidents and more. One of the most lucrative government fields is that of village and city managers, many of whom out-earn every U.S. governor.

The 10 highest-paid village and city managers in Illinois are located in Cook County and the collar counties of DuPage, Kane, Lake, McHenry and Will. These local officials are all are making more than $200,000 per year.

The village of Glenview has the highest-paid village manager at $297,988.45 per year. Grayslake, Lake Forest, Libertyville, Northbrook, Rosemont, Palatine, Schaumburg and Northfield round out the top 10, with city and village managers in those locales all making between $230,000 and $265,000. Rosemont was on the list twice, with two village managers making more than $245,000.

This is on top of the comparatively high salaries many Illinois mayors take in. For example, Rosemont Mayor Brad Stephens makes $260,000 per year, while San Francisco Mayor Ed Lee makes $289,000 annually and Los Angeles Mayor Eric Garcetti has a salary of $238,000. Houston Mayor Sylvester Turner makes $235,000 per year.

Rosemont taxpayers are on the hook for more than $750,000 for just three executive positions. In addition to Brad Stephens’ salary, the village of 4,200 has two village managers who both make six figures. Rosemont Village Manager Christopher Stephens – who is also Brad Stephens’ nephew – makes $249,231.46 per year, and Rosemont Village Manager Patrick Nagle makes $245,000.

Bolingbrook Mayor Roger Claar has an annual salary of roughly $150,000. Bolingbrook is partially located in DuPage County, where taxpayers are paying the second highest property taxes in Illinois and the 27th-highest in the country. Lake County – where village officials in Grayslake, Lake Forest and Libertyville are pulling in more than $200,000 per year – has residents faced with the highest property taxes in the state, and the 21st-highest in the nation.

Collar counties McHenry, Kane and Will rank fourth-, fifth- and sixth-highest in the state, respectively, and all are among the country’s top 35 counties for the highest median property taxes. Cook County residents are saddled with slightly lower property taxes, though still 67th-highest in the country.

These municipalities with high-priced executives also receive state aid through the Local Government Distributive Fund, or LGDF. Grayslake, for example, with a village manager making more than $264,000, received more than $2.1 million from state taxpayers in fiscal year 2016. Northbrook, with a more than $250,000 village manager, received more than $3.3 million. Schaumburg, with a village manager receiving nearly $240,000, received $7.5 million in LGDF funding.

The LGDF distributes money not based on need or any particular purpose, but simply based on each local government’s share of the statewide population. This sends state taxpayers’ money to locales that may not need it and also encourages local overspending – such as on high pay and benefits for local government employees.

Ending LGDF for populations over 5,000 could save the state $1.75 billion each year, and rein in spending that keeps local taxes so high. Additionally, local government and school district consolidation efforts could reduce costs and ease the burden on overtaxed residents in the Chicagoland area.

In the meantime, as Illinois taxpayers struggle with the one of the highest overall tax burdens in the country, and deal with personal income growth that lags behind neighboring states, government officials should take the initiative in exercising fiscal restraint and cutting the cost of government by reducing their own salaries. Taxpayers in Cook County, the collar counties and across the state of Illinois have been forced to bear the burden for too long.

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cutmytaxes1 · 17 days

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How to reduce property taxes in McHenry County?

How to reduce commercial property taxes in McHenry County? Protest each & every year!It is your right & most appeals are successful. Reach us at https://www.cutmytaxes.com/illinois/mchenry-county-property-tax-reduction/

#reduce property taxes #property taxes #protest property taxes #mchenry county #mchenry county taxes #mchenry county property taxes

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oconnor2023 · 4 months

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Lower McHenry County property taxes now! - Cut my taxes

Protest both market value and unequal appraisal annually. It is your right and most appeals are successful. Sign up with the largest property tax consultant to lower your taxes. Visit at https://www.cutmytaxes.com/illinois/mchenry-county-property-tax-reduction/

#property taxes #cut my taxes #oconnor #mchenry county #mchenry county property taxes #property tax consultant #largest property tax consultant

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opedguy · 4 years

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Covid-19 Rally Starts to Fizzle

LOS ANGELES (OnlineColumnist.com), June 17, 2020.--Looking too far ahead into a distant future, Wall Street rallied back after hitting a multiyear low March 18 at 20,794.91 rocketing up June 3 to 27, 572.44 only 2,000 points off its Feb. 12 record high of 29,551.42. Knowing the damage to the U.S. economy, Wall Street battled back as close to its record high June 3, only to watch the market start to unravel, hearing more bad news from 68-yearold Federal Reserve Chairman Jerome Powerll. Powell tried to help Wall Street get back to some reality that any kind of economic recovery would take years, a very different picture presented than by the White House. Losing 170.37 today to finish at 26,119.61, the Dow gave back nearly half of its over 500 point gain Tuesday when all the news was about a sudden 17% gain in monthly retail sales. That optimism quickly vanished when Powell made clear that any economic recovery must be accompanied by more economic stimulus.

Wall Street looked so far ahead a time horizon for economic recovery that investors jumped on the bandwagon since markets bottomed March 18, one week after the World Health Organization [WHO] declared a global pandemic. Powell didn’t waste any time either slashing the Federal Funds rate March 15 to zero-to-a-quarter-percent, the sample level former Fed Chairman Ben S. Bernanke dropped rates to Dec. 15, 2008 at the height of the Great Recession. Powell confirmed that whatever happened then, the situation is far worse now with the Fed not knowing how to proceed in the Covid-19 era. When Powell urged Congress today in the strongest possible terms to pass another bailout bill to deal with possible bankruptcies for cities, counties and states, Wall Street finally got the message that things were getting worse. Wall Street realized that it got ahead of itself running the market up without fundamentals.

Powell said May 13 that the Fed was in new territory managing the fallout from the economic shutdown during the novel coronavirus crisis. Back in 2008, Bernanke knew where the bodies were buried in the Financial Crisis, something that Powell can’t say today. “I would think that it would be a concern if Congress were to pull back from the support that it’s providing too quickly,” Powell, said, watching the Dow swing about 400 points, finishing down 170 points. After running up since March 18, Wall Street’s starting to digest the bleak reality of what the economy faces in the months ahead. While everyone was elated about the steep rise in retail sales, it’s unlikely that can sustain itself, given the Depression-era levels of unemployment. While Covid-19 unemployment runs about 15% nationwide, some cities like Los Angeles see unemployment spiking to nearly Depression-era 30%.

Powell warned that the Fed’s dovish interest rate policy could continue into 2022 or longer, depending on how the economy responds. If Democrats take over Nov. 4, Goldman Sachs economist Jan Hatzius warned of tampering with the 2017 corporate tax cuts, something that could plunge the stock market 18% if Biden gets elected. “I do think it would be appropriate to think about continuing support for people who are newly out of work and for smaller businesses who are struggling,” Powell said, urging the White House and Congress to pass second CARES Act, this time addressing budget shortfalls in cities, counties and state governments “The economy is just now beginning to recover. It’s a critical phase and I think that support would be well-placed at this time signaling to Wall Street that things are far worse than imagined. Wall Street hoped more bailouts were not necessary.

With Powell slashing the Federal Funds Rate to zero-to-a-quarter-percent, there’s not much Powell can do other that start buying corporate assets or backstopping government bonds with cities, counties and states out of cash. “Monetary and fiscal policy are two very different things. I would urge you and the leadership of the Fed to stick to monetary policy,” said Rep. Patrick McHenry (R-N.C.). McHenry knows when Powell asks Congress to continue working on fiscal policy, he’s very concerned that monetary policy may be enough to dig the economy out of its hole. McHenry was surprised that Powell would ask Congress to repeat another bailout much like the first CARES Act that pumped $2 trillion into the economy. Fiscal policy, of course, is joined at the hip to monetary policy, because without the Fed printing enough cash and handing it to the U.S. Treasury nothing would work.

Powell hopes to influence Republicans in Congress to heed his call for more fiscal stimulus, something he can’t do at the Fed. “Your words of encouragement that we have or responsibilities on the fiscal side of the house I think are well-noted, and what you are telling us about the employment marketplace on a going-forward basis, I think, is informative for our policy making,” McHenry said. Unlike the Fed and Congress, Wall Street has a unique role to play in the nation’s recovery from today’s recession. Wall Street helps generate the investment capital needed for companies to add to the nation’s employment picture, recently shedding millions of jobs. “And so, thank you for your statements there, that additional congressional action is required,” including another CARS Act, needed to give consumers the needed cash to spend into the consumer economy to eventually stop the recession.

About the Author

John M. Curtis writes politically neutral commentary analyzing spin in national and global news. He’s editor of OnlineColumnist.com and author of Dodging The Bullet and Operation Charisma.

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lovehardenemycollector · 4 years

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In a country ground to a standstill by the coronavirus pandemic, there is one place normalcy reigns: immigration courts.Overburdened judges oversee packed proceedings; attorneys shuttle clients and paperwork from room to room, often with interpreters in tow; aspiring legal citizens, or at least residents, follow closely, sitting through hearings famously described as death-penalty cases held in a traffic court.The courts, along with visa applications, detention hearings and other immigration related bureaucracy, are seemingly the lone part of the federal government still expected to function as if a global pandemic hasn’t upended nearly every facet of American life. But those tasked with keeping the machine running say that they have received little guidance about how to keep the system running in the era of social isolation, and even less protection despite fears that immigration proceedings put some of the most vulnerable people in the country in the impossible position of choosing between their health or their home.The Trump administration has refused to allow immigration courts and visa hearings to comply with the same social isolation standards followed by nearly every other civil aspect of government, and has not allowed for previously scheduled hearings to be postponed. The administration has also issued little in the way of guidance for judges, immigration attorneys or immigrants, whose hearings—which often take years to schedule—directly conflict with stay-at-home orders across the county.“The immigration court’s refusal to adopt policies that protect the health of respondents, lawyers, judges and immigration court staff during the current pandemic forces immigrant families and their lawyers to make an impossible decision: endanger public health or risk being deported,” said Nadia Dahab, senior litigation attorney at Innovation Law Lab, one of half a dozen immigrants-rights groups that on Friday filed an emergency order challenging the operation of immigration courts despite the crisis.“We are in the middle of a global pandemic, but the immigration court system is continuing to operate as if it’s business as usual,” said Melissa Crow, senior supervising attorney with the Southern Poverty Law Center’s Immigrant Justice Project. “The government has turned the court system into a public health hazard.”Is ICE’s ‘Risk Tool’ Sentencing Innocents to COVID-19 Death?A similar dilemma faces individuals who are up against imminent deadlines to apply for or renew their visas. The U.S. Citizenship and Immigration Service has so far declined to extend deadlines for the filing of key documents, putting visa hopefuls in the difficult position of running afoul of shelter-in-place mandates, not to mention risking their own and others’ health, in order to get everything in on time. Failing to do so could do long-term damage for a person’s eligibility for legal residence or put them in another dilemma—figuring out how to get back to another country in a time of unprecedented travel restriction.“These are not trivial issues,” said León Rodríguez, who ran USCIS during the Obama administration. “They’re not bureaucratic issues. These issues have a lot to do with what a person’s future is, their ability to do business, so people are doing what they need to do. They’re being careful. But right now, people are going to the office where they otherwise wouldn't need to, in an effort to get their fillings done the right way and on time. If we’re in a national emergency… that means it’s time to protect as many people as we can.”In a Wednesday letter to USCIS acting Director Ken Cuccinelli, Rep. Mark Pocan (D-WI), co-chair of the Congressional Progressive Caucus, urged “immediate action” to extend the deadlines, saying that the failure to do so forces “families to take unnecessary risks to their health and the health of our communities.”“I would hope now, if ever, this administration would find some compassion and patience to serve the totality of the people of this country,” Pocan said in a statement to The Daily Beast. The Trump administration has eased up some visa procedures; current biometrics, like a fingerprint scan, are no longer required for applicants on account of health concerns. USCIS is also implementing a 60-day extension for individuals to respond to some items, like requests for additional evidence to support an application. But the agency is still urging applicants to submit information “on time and in accordance with existing instructions” so as to “prevent a lapse in immigration status.”A spokesperson for USCIS said: “We continue to monitor this evolving pandemic and remain prepared to take necessary steps in order to protect the health and safety of our employees, applicants and the nation.” But the apparent reluctance to take additional steps—or the failure to provide specific guidance in some cases—stands in stark contrast to swift action from the Trump administration to, for example, push back Tax Day or extend Securities and Exchange Commission filing deadlines. To immigrants and their advocates, the evident lack of concern for those who are put at risk by the lack of uniform social distancing in immigration proceedings is just the latest in a long line of indignities.“For whatever reason, USCIS has become an outlier,” said Jesse Bless, director of federal litigation for the American Immigration Lawyers Association. “Every federal agency is stopping time, and yet USCIS, who may have the largest population of people they serve, they have said it’s business as usual.”What little guidance there has been has largely put the onus of properly preventing the spread of the novel coronavirus on immigration judges—already the “sacrificial lamb” of the American immigration system. Last Wednesday, Executive Office of Immigration Review Director James McHenry issued a policy memo saying that it was effectively up to individual judges to make the decision to allow attorneys to appear by phone for proceedings and reduce the number of attendees “on a case-by-case basis,” and allowing—but not requiring—judges to wave the presence of undocumented immigrants during proceedings and to conduct hearings by teleconference.Immigration proceedings, the National Association of Immigration Judges said in response, are an epidemiologist’s worst nightmare for coronavirus transmission, with judges and court staff working “shoulder-to-shoulder,” interpreters flying around the country to attend different proceedings, and people in immigration detention being moved in large groups with almost zero chance of proper social distance. The analogue nature of the paper-based immigration court system, too, makes the risk of transmission of infectious disease particularly acute.“EOIR’s refusal to close detained courts causes a cascade of social interaction that puts all of us at risk,” the union said in a statement. “The immigration courts are in the midst of a crisis created by EOIR.”One member stated that the crisis demonstrates that the office needs “to be gutted and rebuilt from the ashes.”“I've never witnessed an utter lack of concern for people like I have here,” the judge said. “In my former life, we treated captured Taliban and ISIS with more humanity. Moreover, I’ve never seen worse leadership. A crisis usually brings good and bad to the light. We have nothing but darkness.”According to immigration advocates, the guidance actually heightens the risk of infection for migrants, as well as their families, attorneys, and the immigration judges presiding over the proceedings.“McHenry should reinstate previously rescinded guidelines for telephonic appearances and allow all advocates to appear telephonically for court,” said Laura Rivera, director of the Southern Poverty Law Center’s Southeast Immigrant Freedom Initiative.Democratic lawmakers say they are keeping close watch on the situation. “Coronavirus has exposed how the most vulnerable experience the most injustice during a crisis,” Rep. Joaquin Castro (D-TX), chair of the Congressional Hispanic Caucus told The Daily Beast. “Instead of listening to CDC guidelines on social distancing, and state and local stay-at-home orders, several immigration courts remain open. This is not only risking the lives of judges, attorneys, and immigrants, but also their loved ones and entire communities.”Immigration lawyers describe a similarly difficult and muddled situation for those who are attempting to apply for visas or get them renewed. Thousands of foreign nationals currently in the U.S. will see their legal status expire in coming months, and making those deadlines requires individuals to be in close cooperation with lawyers, as well as workplace H.R. departments, to navigate a complicated and paper-intensive process.That USCIS has not yet extended key deadlines due to the coronavirus emergency forces a set of difficult choices on applicants and their lawyers. Attorneys, said AILA’s Bless, are in a Catch-22: meeting their clients in person and gathering evidence may help them make a deadline, but it also puts them in violation of shelter-in-place mandates in effect in many states—and risks spreading the virus.And if applicants, meanwhile, miss deadlines while remaining in the U.S., it can negatively impact their eligibility for legal status down the road. But leaving the country is currently difficult, not to mention dangerous. “From a practical standpoint, how can individuals protect themselves when they can’t leave the U.S. and they can't file applications and get evidence to their employer or attorney right now?” asked Bless. “Whether you’re an attorney or an individual, the USCIS position is, if nothing else, ramping up and contributing to what is a once in a lifetime stressful situation.” The agency’s decision to waive the need for new biometrics—and its decision to extend deadlines on some forms of documentation—has been interpreted by advocates as a signal that the administration is aware of the new problems the COVID-19 outbreak is posing for their normal functioning. USCIS has halted all face-to-face engagement with applicants at their offices through at least May 3. Some watchdogs are anticipating that USCIS will end up leaning on existing exceptions for “natural catastrophes and other extreme situations” to provide wiggle room to migrants on a case-by-case basis, according to a congressional source. But advocates are baffled that isn’t translating into a broader extension for the many people impacted by the public health emergency. Rodríguez, the former USCIS director, told The Daily Beast that the administration doesn’t “have to do anything magical” to make this happen.“They have legal tools to do it,” Rodríguez said. “I’d think that a global pandemic is an extraordinary circumstance—probably one of most compelling I can think of.”Read more at The Daily Beast.Get our top stories in your inbox every day. Sign up now!Daily Beast Membership: Beast Inside goes deeper on the stories that matter to you. Learn more.

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