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COVID-19 Scams

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As if fearing the health-related consequences of the COVID-19 coronavirus wasn’t enough, there’s also a fair amount of financial uncertainty related to recession and an unstable economy. People all across the United States are wondering how they’ll pay their bills and make ends meet as they file for unemployment and wait for a one-time stimulus check that may not cover the bills.

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It’s unfortunate, but some bad actors will always take advantage of situations like coronavirus. In addition to everything else, individuals also need to be on the lookout for COVID-19 scams that are cropping up. In fact, there are so many coronavirus scams out there right now that the FTC created an FTC Scam Bingo game to try and spread the word.

Read up on what COVID-19 scams to look out for and how you can protect yourself and your finances.

COVID-19 Stimulus Check Scams

Some scammers are tricking people into thinking they need to provide personal information to obtain their government relief check. Consumers do not need to sign up for the federal stimulus checks. The government plans to distribute them based on consumers’ 2018 or 2019 federal tax returns starting April 2020. Keep in mind that the IRS does not initiate contact by email, text, or social media.

How to Protect Yourself

Do not respond to any correspondence claiming to be the IRS or other branch of the government requesting personal information in exchange for access to your stimulus check. For accurate information about the federal relief checks and when you can expect yours, visit the IRS’s coronavirus resource.

Student Loan Scams

Americans owe over $1.64 trillion in student loan debt, so it’s no wonder that scammers are preying on this financially vulnerable population. Watch out for offers to forgive your student loan debt in its entirety or change your repayment plan for a fee, or requests for other personal information in order to suspend your payments in response to coronavirus. There is no such thing as instant student loan relief, and you should not need to pay a fee for help from your loan servicer. All federally backed loans have automatically suspended payments and set interest to 0%.

How to Protect Yourself

Do not accept unsolicited offers to help you with your
student loan payments and never give out your personal information. If you are
having trouble making payments because you’ve lost your job, reach out to your
loan servicer for options.

Social Security Scams

Social Security scams are common, but coronavirus has put a new twist on the scam. Now, in addition to watching out for scammers claiming that your Social Security number is about to be suspended, you also need to watch out for calls or letters claiming that your benefits will be canceled due to coronavirus-related office closures. Social Security offices are closed, but officers are still working, and your benefits will not be suspended. And your Social Security number will never be suspended.

How to Protect Yourself

If you are unsure if a call or email is from the Social Security Administration, reach out to them yourself for confirmation before sharing any personal information. If you have already given you Social Security number to a scammer, visit IdentityTheft.gov/SSA for steps on how to protect your credit and identity.

Medicare Scams

Because older individuals are particularly susceptible to COVID-19, scammers have been targeting them with Medicare scams. Be on the lookout for fraudulent Medicare representatives asking you to verify personal information, like your bank account, Social Security, or Medicare numbers. Medicare representatives will never call you to verify your account number, offer you free equipment or services, or try to sell you anything.

How to Protect Yourself

If you’re
not sure if a phone call is legitimate, hang up and call Medicare yourself.
That way you can confirm that you are talking to an actual Medicare
representative. To reach the Medicare office, call 1-800-633-4227.

Fraudulent Charities

Whether it’s a natural disaster or worldwide pandemic
like the coronavirus, legitimate charities work hard to aid people in need.
This can include providing food, funds, housing or other forms of assistance. Unfortunately,
fake charities can crop up too. They might use names that sound similar to real
charities and may even have emails, websites and phone numbers that seem
legitimate but aren’t.

How to Protect Yourself

Donate to charities that you are already familiar with. If you’re questioning the legitimacy of a charity, you can use third-party websites to check credentials. Options include Charity Navigator and Give.org, which is maintained by the Better Business Bureau.

Protect Yourself from COVID-19 Scams

As you continue to navigate the uncharted waters of a
worldwide pandemic, be on the lookout for COVID-19 scams. If you’re ever unsure
about something, you can consult trustworthy government resources or well-known
news outlets to verify information. Share this information about scams with
others so they know what to be on the lookout for as well.

More resources on scams:

  • Senior’s Guide to Avoiding Scams
  • Tax Season Scams
  • Student Loan Scams
  • Common Scams

The post COVID-19 Scams appeared first on Credit.com.

Source: credit.com

Want a Fun New Paint Project? Try Colorblocking

vicnt / Getty Images

Painting a room’s walls is the easiest DIY makeover under the sun—but want to try something a bit bolder and fun? Consider colorblocking instead.

“Colorblocking is about creatively pairing two or more shades—or blocks of color—to make a unique statement on a wall, ceiling, door, or other home surface, and it’s a trend that can be accomplished by DIYers and pros alike,” says Dee Schlotter, a PPG senior color marketing manager.

“These geometric fields of color, which are usually separated by neutral zones, can serve to punctuate or establish a color plan for your space, sort of like accent walls taken to an extreme,” adds Debra Kling of the eponymous color consulting firm.

And if you see hints of modern art or connections to the fashion world in colorblocking, you’re on the right track. Kling considers Mondrian to be the master of this technique, and colorblocked frocks were debuted by Yves St. Laurent in the 1940s and have been trending ever since.

Here’s more about colorblocking, including how-to’s, shade pairings, and where to try this technique in your home.

Gather the gear

Photo by Studio Razavi 

Painter’s tape is critical for this task as you’ll need to section off the various colors you want to use and create clean lines, says Schlotter.

“Using a high-quality roller and a smaller paint brush to ‘cut in’ to the smaller details or corners of the colorblocked design will also help ensure a polished look,” she adds.

Relearn the color wheel

Photo by mcleanquinlan

If using a color wheel is making your head spin, get some help from the pros.

“PPG has virtual color consultations to help you choose paint for colorblocking and other home projects,” notes Schlotter.

Once you’ve shared photos of your space and color preferences, experts can text, email, or FaceTime their recommendations and assist with ordering swatches or buying paint.

Match shades with moods

Photo by Inspired Interiors

Bright shades behind a den’s bookcases are energetic, while softer tones create a sense of calm.

“If you want to instill restfulness in your bedroom, consider a halfway-up-the-wall technique by painting the upper portion in a warm hue and the bottom in a darker, moodier version,” says Schlotter.

You can also create a headboard in a bedroom with colorblocking or make an impact by defining shapes behind bedside tables or dressers.

Let loose in kids rooms

Photo by colorTHEORY Boston 

“Colorblocking works very well in a child’s room because it adds personality and more visual interest beyond using just a single color,” says Schlotter.

Blocked primary colors on walls are typical in kids rooms, but other combos can also playfully decorate the ceiling, bookcases, and floors.

“For a playroom, consider painting a geometric shape like a diagonal across an entire wall with a bright color on one half and a neutral on the other,” Schlotter adds.

Save paler shades for higher up on the walls, and use darker ones, like navy, lower to the ground as they’ll serve to hide dirt and scuffs that’ll no doubt appear here.

Highlight unusual features

Soft pink follows this doorway’s curvy line.

Alexandra Ribar

Colorblocking can also create a focal point by showcasing molding or other architectural detail.

Leanne Ford recently put this technique into play on an arched doorway project using a sandy pink hue to create a playful stripe and her go-to Delicate White (PPG 1001-1) to brighten the walls behind it,” says Schlotter.

Create a room with blocked color

Photo by Achille à Paris 

Colorblocking with bold paint can create rooms where none existed before by marking off spaces for different tasks. Pull up a desk and chair to a bold purple shape and a home office is born—or do the same near your kitchen for a breakfast nook or in a hallway to make a cozy reading corner.

The post Want a Fun New Paint Project? Try Colorblocking appeared first on Real Estate News & Insights | realtor.com®.

Source: realtor.com

5 Things You Should Pay Premium for as a Homeowner or Renter

Being a homeowner on a budget is nothing to be ashamed of, if anything, most people prefer to keep their expenses low, especially after recently purchasing a home! But,there are some things you shouldn’t cheap out on, and we’ve got you covered.

The post 5 Things You Should Pay Premium for as a Homeowner or Renter appeared first on Homes.com.

Source: homes.com

7 Creative and Quick Dining Room Updates

With so many dining rooms being converted into part of the living room or kitchen these days, dining room design has kind of fallen by the wayside. But if you’re one of the lucky homeowners to have hung on to a formal dining space, you’ve got an opportunity to make some amazing modern updates. Here are 7 affordable ways to breathe new life into an old dining room:

#1 Perk things up with paint.
Are your dining room walls still the same color they were when you moved into your house 10 years ago? If so, there’s a good chance the color’s a little past its prime. In fact, it may also be doing an injustice to your furniture and the updates you’ve made in adjoining rooms as well. Refresh the walls with a paint shade that makes you feel comfortable and cozy. The room will reflect that feeling.

#2 Modernize the lighting.
Are outdated chandeliers and lamps gathering dust in your dining room? Consider sending them packing and installing some recessed lighting and pendants in their place. Pendant lights, in particular, come in a wide variety of styles and colors sure to add some new pizzazz to your space.

#3 Repurpose another room.
If your dining room is located in an undesirable space — a cramped corner of the house away from the kitchen, for example — pick a new place for your table and chairs. Put them in the kitchen, if you have the the space. Or, place the dining table somewhere right in your living room, where there’s easy access to the TV and stereo. You should always feel comfortable during a meal, and being confined to an area you don’t enjoy doesn’t contribute to that feeling.

#4 Add some visual appeal.
Visual appeal doesn’t stop at paint and lighting. It’s also important to consider how wall decor may increase the interest and comfort of the room. Blank walls may make it easy to zone out and focus on your meals, but your guests will surely enjoy looking at something a little more interesting. Depending on your budget and the size of your dining room, consider hanging potted plants and colorful pieces of art. Just be sure to balance wall decor with other elements in the room so your space doesn’t feel like it’s cluttered with stuff.

#5 Throw in a rug.
One of the worst sounds to hear is a chair scratching against the floor as you go to get up from the dining table. So fix the issue. Add a rug underneath the table and chairs to make things soft and cozy. Choose a rug that isn’t too thick with fibers. Otherwise, your chairs can get stuck and twisted. Of course, you’ll also want to make sure that the style and color of your rug complement the rest of the room.

#6 Use dividers.
Many newer homes combine kitchen and dining spaces. If you want to create a dedicated dining space, think about incorporating a room divider. It’s much cheaper than installing a wall — and you can add shelves, plants or a sliding door to further divide the two spaces. Plus, the flexibility of the divider allows to revert back to the bigger space any time you like.

#7 Build in.
How’s your dining room designed? Do you have a table that sits in the middle with four chairs around it? If you want to make the room more functional — and create more storage in the process — think about ditching the clunky furniture and opting instead for built-ins like bench seating, china cabinets and buffets. A professional can create custom built-ins to suit any style.

The post 7 Creative and Quick Dining Room Updates first appeared on Century 21®.

Source: century21.com

So You Want to Buy a Fixer-Upper: Here’s What You Need to Know

Stephen and David St. Russell, self-taught renovation and fixer-upper experts, are sharing their advice for homebuyers who are looking to explore buying a home that needs some extra TLC.

The post So You Want to Buy a Fixer-Upper: Here’s What You Need to Know appeared first on Homes.com.

Source: homes.com

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