California ResourcesCARE (California Alternate Rates for Energy)This program provides a 20% discount on your monthly energy bill if you are eligible.
Click here to learn more…
The California Lifeline Telephone ProgramThis program can provide your family with a discounted home telephone service if you qualify.
Click here to learn more…
California’s Low Cost Auto InsuranceThis program provides an affordable auto insurance option to low-income good drivers.
Click here to learn more…
Golden State Advantage CardsThese cards can help you to buy food for your family. The average amount of benefits received per household is about $300 per month.
Click here to learn more…
CA Association of Food BanksGet Food assistance for you and your family at a location near you.
Click here to learn more…
Health
PROTECT YOU AND YOUR FAMILY FROM THE WHOOPING COUGH EPIDEMICLearn more about whooping cough and find a location for a low to no-cost vaccination
Click here!
Find a Health Center in Your AreaFederally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide: checkups when you're well, treatment when you're sick, complete care when you're pregnant,immunizations and checkups for your children, dental care and prescription drugs for your family, and mental health and substance abuse care if you need it
Health centers are in most cities and many rural areas. Type in your address and click the 'Find Health Centers' button to find health centers near you.
http://findahealthcenter.hrsa.gov/
Paid Family Leave ProgramThe
Paid Family Leave (PFL) program provides support to workers who need time off to bond with a newborn baby, adopted or foster child, and to care for a seriously ill parent, child, spouse or registered domestic partner.
·Workers who contribute to the State Disability Insurance (SDI) fund are entitled to six weeks of partial pay each year while taking time off from work for caregiving or bonding.
·Workers may receive up to 55% of their weekly wages up to a maximum weekly benefit amount. In 2010 benefits are capped at a maximum weekly benefit amount of $987.
·Workers do not need to take all six weeks consecutively. PFL can be taken intermittently on an hourly, daily or weekly basis as needed. Before receiving benefits, workers must serve a 7-day non-payable waiting period.
The PFL program is administered by the California Employment Development Department (EDD), not your employer. To get information or to request an application, contact EDD directly at (877) 238-4373 or visit
http://edd.ca.gov/ Applications may be submitted no earlier than 9 days before and no later than 49 days after the day you begin leave.
To learn more about the PFL program, you can also visit
www.paidfamilyleave.org EDD's Disability Insurance Branch is able to provide presentations on Paid Family Leave. If your organization is interested in having a representative conduct a presentation, send an e-mail request to diboutreach@edd.ca.gov or contact Alicia Oldfield at (916) 654-8089.
Cal-COBRA is the California version of the federal COBRA program.
Cal-COBRA allows you to keep your group health insurance when your job
ends or your hours are cut. You have to pay the premium but you can keep
your insurance for at least 18 months after your federal COBRA benefits
expire; for a total of 36 months of coverage. Contact your health plan for more information or visit
http://www.hmohelp.ca.gov/dmhc_consumer/hp/hp_cobra.aspx
Help for the UninsuredIf you do not have health insurance, find out about low-cost or no-cost health insurance and other resources for you and your family.
Visit
http://www.hmohelp.ca.gov/dmhc_consumer/hp/hp_uninsured.aspx
CA Department of Health Care ServicesFor a list of related programs and services that can help you find assistance, health care services for low-income individuals and families, for the elderly, personal care, specific diseases and children with special medical needs, visit
http://www.dhcs.ca.gov/services/Pages/AllServices.aspx.
Learn about Medi-Cal, County Health programs, and how to apply at your local county department of social services.Find your local county department of social services at
http://www.cwda.org/links/chsa.phpFind a community clinic in your areahttp://www.cpca.org/resources/findclinic/California Dental Association low-cost dental services database
Search by zip code to find a clinic that offers free or discounted dental services to those in need. Specifics vary by clinic.
Visit
http://www.cda.org/clincs for a location in your area.
Money AdviceBank on CaliforniaThis program aims to help the millions of California working families who don't have bank accounts. Bank on California will help unbanked Californians open starter accounts to begin saving, build a credit history, gain access to lower-cost resources of credit and invest for their future.
http://bankoncalifornia.gov
Consumer Credit Counseling Serviceshttp://www.cccsstl.org/debtsolutions/index.asp
Have IRS issues? Need a Tax Professional
Assistance During an Audit?Low Income Taxpayer Clinic (LITCs) represent low income taxpayers before
the Internal Revenue Service in audit, appeals, and collection issues,
for free or for a nominal charge. If you are a low income taxpayer who
cannot afford professional tax assistance during audits of your federal
income tax return, you may qualify for help from Low Income Taxpayer
Clinics or other organizations that provide free assistance in tax
disputes.
Find a Low Income Taxpayer Clinic in California at
http://www.irs.gov/advocate/article/0,,id=146985,00.htmlConsumer ActionPublications avaliable in English, Spanish, Chinese, Korean, Vietnamese, and other languages about financial education.
http://www.consumer-action.org/english/library/C19Money Saving ResourcesCalifornia Work Opportunities & Responsibility to Kids (CalWORKs)Cash assistance to families with children and pregnant women in the last 120 days of pregnancy, who have little or no assets or income.
http://www.cdss.ca.gov/calworks http://www.c4yourself.comLink-Up (discounted cell phone)Link-Up lowers the cost eligible consumers pay for setting up new phone service at their home, including cell phone service. Link-Up pays up to $30.00 of a qualified consumer’s home phone startup fees (even if it’s a cell phone), not including the cost of the phone. Link-Up also lets consumers borrow up to $200 of set-up fees, interest-free, for up to one year.
Find out what the income requirements are in California and your service provider at
http://www.lifelinesupport.org/li/low-income/lifelinesupport/browser/Need help paying energy, telephone or water bill?The California Public Utilities Commission (PUC) provides assistance in negotiating a more affordable payment to utility companies if a customer has trouble paying his/her energy, telephone, or water bill.
http://www.cpuc.ca.gov/puc/cec/b_paymentplan.htmAssistance Paying Your BillSome utilities have shareholder-funded emergency payment assistance programs for their customers, which provide cash assistance to help offset the costs of heating and cooling their homes. There are also other plans that may be of assistance to you in managing your energy bills.
Learn more at
http://www.cpuc.ca.gov/PUC/energy/Electric+Rates/billassist.htm
Do you use medical appliances that run on electricity? If you rely on life support equipment, or those who have life threatening illnesses or compromised immune systems, you may be eligible for a discount.
Visit
http://www.cpuc.ca.gov/PUC/energy/Electric+Rates/Baseline/medbaseline.htm for more information
Family Electric Rate Assistance (FERA) Program Family Electric Rate Assistance (FERA) Program provides assistance to
families with slightly higher incomes. FERA is available for customers
of Southern Ca. Edison, San Diego Gas and Electric Company, and Pacific
Gas and Electric Company.
http://www.cpuc.ca.gov/PUC/energy/Low+Income/fera.htmCalifornia Weatherization Assistance Program The Weatherization Assistance Program reduces the heating and cooling costs for low-income families by improving the energy efficiency of their homes and ensuring their health and safety. Among low-income households, the program focuses on those with elderly residents, individuals with disabilities, and families with children.
General Program RequirementsIn order to qualify for this benefit program, you must be a resident of the State of California, you must need financial assistance for home energy costs and your household's annual income before taxes must not exceed:
$29,173 if
one person lives in the household;
$38,149 if
two people live in the household;
$47,125 if
three people live in the household;
$56,101 if
four people live in the household;
$65,077 if
five people live in the household;
$74,053 if
six people live in the household;
$75,736 if
seven people live in the household,
or $77,419 if
eight people live in the household.
For larger households, add $1,683 for
each additional person in the home.
Contact a local provider to determine your eligibility:
http://www.csd.ca.gov/Programs/Energy%20Service%20Providers.aspx or call 1-866-675-6623.
For more information, visit
http://www.csd.ca.gov/Programs/Weatherization%20Assistance%20Program.aspx California Cash for AppliancesThe Cash For Appliances rebates are available on a first-come, first-served basis. Amount of rebates are:
* Eligible Refrigerators - $200
* Eligible Clothes Washers - $100
* Eligible Room Air Conditioners - up to $50
* Dishwashers- $100
* Freezers- $50
* Water heaters- $300-$750
* HVAC systems- $500-$1000
Other appliance rebates may be available from your utility company, appliance retailer, or other entity.
For more information, visit
http://www.cash4appliances.org/
Consumer Assistance Program (CA Bureau of Automotive Repair)
Save money on these car-related expenses:
(1) The Consumer Assistance Program (CAP) provides financial assistance for qualified consumers whose vehicles fail their biennial (every-other-year) Smog Check.
(2) Vehicle Retirement: Eligible consumers can receive payment to retire their high-polluting vehicle. There are no income or Directed Vehicle eligibility requirements. Approved applicants must take their vehicle to an authorized dismantler. The vehicle must pass a visual and operational inspection before it is retired.
For application information, visit
http://www.autorepair.ca.gov/80_BARResources/ftp/pdfforms/CAP_App.pdf
Food Resources
Supplemental Nutrition Assistance Program (SNAP)SNAP is the federal food stamp program.
For more information and how to apply, visit
http://weconnect.net/index.php/public/home/page/71
Free Summer Lunch ProgramsFree lunches are available to all children under 18, regardless of income,every summer.
http://www.cde.ca.gov/ds/sh/sn/summersites10.asp
The Treasure BoxThe Treasure Box provides families and individuals with a substantial box of grocery store quality food retailing between $65-100 for just $30 each. Each Treasure Box contains between 21-25 pounds of high quality, frozen foods, including chicken, pork, beef, or seafood, as well as vegetables, fruit, a side dish and a dessert. One Treasure Box is enough food to nutritiously feed a family of four lunch and dinner for almost a week or a senior citizen for nearly a month.
For information on a Treasure Box pick-up location in your area and ordering information, visit
www.thetreasurebox.org.
Human Services
First 5 CaliforniaFirst 5
California is dedicated to improving the lives of California’s
young children (age 0-5) and their families through a comprehensive
system of
education, health services, childcare, and other crucial programs.
Visit
the First 5 California website for more details at
http://first5california.com/Parents/?gclid=CKqlvZSBy6ECFYd-5Qod20Y5fg
PACEAPP The Professional Association for Childhood Education Alternative Payment Program (PACEAPP) is a childcare subsidy program serving low-income families and their childcare providers in 25 counties in Northern and Central California. PACEAPP's case managers help families find the resources they need to support their families.
Find out if your family is eligible by visiting
http://paceapp.org/index.htmlFor more information on money-saving resources, check out:La Opinion/ WE Connect 2010 Supplement
Click here to view!
10 Tips to Put More Money in Your Pocket

Click here to view
and print a downloadable copy!
10 Tips for Financial Empowerment

Click here to view and print a downloadable copy!
10 Tips for the Recently Unemployed

Click here to view and print a downloadable copy!
Continue to scroll down for more even resources!!
Federal Resources
Emergency Unemployment CompensationEUC is a Federal temporary extension of unemployment compensation for unemployed individuals who have already collected all regular state benefits for which they were eligible.
These benefits are available for
weeks of unemployment ending on or before November 30, 2010. Individuals establishing benefit entitlement as of this date can
collect the remainder of this entitlement through April 30, 2011.
Learn more about unemployment compensation extension here:
http://www.ows.doleta.gov/unemploy/supp_act.asphttp://www.ows.doleta.gov/unemploy/pdf/euc08.pdfFor state specific information,
click here Discounted Utilities
Low Income Home Energy Assistance Program (LIHEAP)LIHEAP is a Federally-funded program that helps low-income households with their home energy bills. LIHEAP can help you stay warm in the winter and cool in the summer. By doing so, you can reduce the risk of health and safety problems (such as illness, fire, or eviction). Your LIHEAP program may be able to offer you one or more of the following types of assistance: bill payment assistance, energy crisis assistance, and weatherization and energy-related home repairs.
For more information, visit
http://www.acf.hhs.gov/programs/ocs/liheap/brochure/brochure.htmlFind an LIHEAP office in your state, visit
http://www.acf.hhs.gov/programs/ocs/liheap/grantees/states.htmlOr call the toll free number 1-866-674-6327
Lifeline (discounted home phone)Lifeline provides qualified consumers with a discount on monthly charges for their primary home phone line, even if it’s a cell phone. If you qualify for this program, Lifeline can save you at least $10 a month on your phone bills, depending on what state you live in and which phone company in your area provides this program. Some states provide more discounts to make local telephone service even more affordable.
Find out if your state provides Lifeline by contacting your state Public Utilities Commission at
http://www.naruc.org/commissions.cfmFind out what the income requirements are for your state and your service provider at
http://www.lifelinesupport.org/li/low-income/lifelinesupport/browser/
Link-Up (discounted cell phone)Link-Up lowers the cost eligible consumers pay for setting up new phone service at their home, including cell phone service. Link-Up pays up to $30.00 of a qualified consumer’s home phone startup fees (even if it’s a cell phone), not including the cost of the phone. Link-Up also lets consumers borrow up to $200 of set-up fees, interest-free, for up to one year.
Find out if your state provides Lifeline by contacting your state Public
Utilities Commission at
http://www.naruc.org/commissions.cfmFind out what the income requirements are for your state and your
service provider at
http://www.lifelinesupport.org/li/low-income/lifelinesupport/browser/
Tax Credits
EITCThe Federal Earned Income Tax Credit is the nation's largest resource for working families at the low end of the income scale. If you are eligible to claim it, it can mean a return of up to $5,600.
Click here to learn more...
Federal Child Tax CreditYou may be able to get back up to $1,000 per qualifying child.
Click here to learn more...
Making Work Pay Tax CreditFind
out how to get more in your paycheck:
Click
here to learn more... First-Time Homebuyer CreditThe First-Time Homebuyer Credit has been extended to September 30, 2010.
Click here to see if you are eligible Military Tax TipsClick here to view "10 tips" from the IRS for completing your tax returnsTax Benefits for EducationThere is a variety of tax credits, deductions and savings plans
available to taxpayers to assist with the expense of higher education.
http://www.irs.gov/newsroom/article/0,,id=213044,00.htmlTax PrepI-CAN! E-FILE: www.icanefile.org/
I-CAN E-File is an online service that allows you to file your federal and state taxes online for free.
Volunteer Income Tax Assistance Program (VITA): www.irs.gov/individuals/article/0,,id=107626,00.html
The VITA Program offers free tax help to low- to moderate-income (generally, $42,000 and below) people who cannot prepare their own tax returns. Certified volunteers sponsored by various organizations receive training to help prepare basic tax returns in communities across the country. VITA sites are generally located at community and neighborhood centers, libraries, schools, shopping malls, and other convenient locations. Most locations also offer free electronic filing. To locate the nearest VITA site, call 1-800-829-1040.
Tax Center to Assist Unemployed TaxpayersThe Internal Revenue Service recognizes that many people may be having difficult times financially. There can be a tax impact to events such as job loss, debt forgiveness or tapping a retirement fund. If your income decreased, you may be newly eligible for certain tax credits.
Learn for at
http://www.irs.gov/individuals/article/0,,id=219269,00.htmlTaxpayer Advocate ServiceGet free and confidential help to resolve your IRS problems
http://www.irs.gov/advocate/index.htmlHave IRS issues? Need Professional Tax Assistance During an
Audit?Low Income Taxpayer Clinic (LITCs) represent low income taxpayers before the Internal Revenue Service in audit, appeals, and collection issues, for free or for a nominal charge. If you are a low income taxpayer who cannot afford professional tax assistance during audits of your federal income tax return, you may qualify for help from Low Income Taxpayer Clinics or other organizations that provide free assistance in tax disputes.
Find a Low Income Taxpayer Clinic in your state at
http://www.irs.gov/advocate/content/0,,id=151026,00.htmlIRS Taxpayer Assistance CentersIRS Taxpayer Assistance Centers are your source for personal tax help when you believe your tax issue cannot be handled online or by phone, and you want face-to-face assistance.
Click here for 8 reasons to visit a Taxpayer Assistance Center
Visit
http://www.irs.gov/app/officeLocator/index.jsp and enter your zip code to find a Taxpayer Assistance Center near you!
The Beehive: www.thebeehive.org/taxes
The Beehive is a place where you can file your taxes for free online as well as other valuable information.
Are you from an organization who wants to open a VITA (volunteer income tax assistance) location? Click here to learn more!
Money AdviceThe Beehive: MoneyHelp with your finances, free tax filing, home budgets, and more.
http://www.thebeehive.org/moneyMyMoney.govMyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on MyMoney.gov can help you maximize your financial decisions. Throughout the site, you will find important information from 20 Federal agencies and Bureaus designed to help you make smart financial choices.
http://www.mymoney.gov/
Practical
Money Skills For LifeClassroom resources for financial
literacy education, home-based financial literacy resources for adults,
parents and children, and financial management tools for small
businesses.
Click
here to learn more...
Free Online Budgeting ToolsGeezeo:
http://www.geezeo.com/Wesabe:
http://www.wesabe.com/Buxfer:
http://www.buxfer.com/The Motley FoolInvestment and Retirement basics
http://www.fool.com/investing/basics/index.aspx
Junior Achievement Dedicated to educating students about workforce readiness, entrepreneurship and financial literacy.
http://www.ja.org
Planning for Retirement? Visit these two retirement calculators to learn more about what retirement could mean for you:
Retirement Nest Egg Calculator
This calculates what is needed for retirement and underlying facts.
http://www.aarp.org/work/retirement-planning/retirement_nest_egg_calculator/
Retirement Contribution Effects on Your Paycheck Calculator
An employer sponsored retirement savings account could be one of your
best tools for creating a secure retirement. It provides two important
advantages. First, all contributions and earnings are tax deferred. You
only pay taxes on contributions and earnings when the money is
withdrawn. Second, many employers provide matching contributions to your
account, which can range from 0% to 100% of your contributions. Use
this calculator to see how increasing your contributions to a 401(k),
403(b) or 457 plan can affect your paycheck as well as your retirement
savings. This calculator has been updated to use the new withholding
schedules for 2010.
http://www.aarp.org/work/retirement-planning/contributions_paycheck_calculator/
Money Saving Websites
American Recovery and Reinvestment Act of 2009 Who says you can't get a break these days? The American Recovery and Reinvestment Act may give you the break you are looking for.
Click here to learn more... FinancialStability.govThis website seeks to bring a new level of transparency and accountability that is designed to protect American taxpayers by ensuring proper use of public funds through conditions on lending and executive compensation, and by enhanced reporting requirements.
http://www.financialstability.gov Coupons.comPrint coupons for FREE and save!
Click here to learn more... Food AssistanceFind a food bank in your areahttp://feedingamerica.org/foodbank-results.aspxNutrition Assistance ProgramsFNS provides children and low-income people access to food, a healthful diet, and nutrition education. We help nearly one in four people. Check out our programs to see if we can help you or your family.
http://www.fns.usda.gov/fns/
Supplemental Nutrition Program for Women Infant’s and Children (WIC)WIC provides Federal grants to States for supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk.
http://www.fns.usda.gov/wic/ Emergency Food Assistance ProgramTEFAP is a Federal program that helps supplement the diets of low-income needy persons, including elderly people, by providing them with emergency food and nutrition assistance.
http://www.fns.usda.gov/fdd/programs/tefap/Commodity Supplemental Food ProgramsThe Commodity Supplemental Food Programs (CSFP) is a Federally funded program, which works to improve the health of low-income pregnant and breastfeeding women, other new mothers up to one year postpartum, infants, children up to age six, and elderly people at least 60 years of age by supplementing their diets with nutritious USDA commodity foods.
http://www.fns.usda.gov/fdd/programs/csfp/default.htm
For other federal food assistance programs and nutritional information,
click here Health
Find a Health Center in Your AreaFederally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide: checkups when you're well, treatment when you're sick, complete care when you're pregnant,immunizations and checkups for your children, dental care and prescription drugs for your family, and mental health and substance abuse care if you need it
Health centers are in most cities and many rural areas. Type in your address and click the 'Find Health Centers' button to find health centers near you.
http://findahealthcenter.hrsa.gov/
COBRA
The
American Recovery and Reinvestment Act (ARRA) provides a COBRA premium
reduction for eligible individuals who are involuntarily terminated from
employment through the end of May 2010. Due to the statutory sunset,
the COBRA premium reduction under ARRA is not available for individuals
who experience involuntary terminations after May 31, 2010. However,
individuals who qualified on or before May 31, 2010 may continue to pay
reduced premiums for up to 15 months, as long as they are not eligible
for another group health plan or Medicare.
The Unemployment
Compensation Extension Act of 2010 signed by the President on July 22,
2010, did not extend the COBRA premium reduction.
If You Are Recently Unemployed...
Get answers to frequently asked questions and check out your COBRA options at http://www.dol.gov/ebsa/cobra.html
Health Care UpdatesExplore health care options and learn about new programs and services you may be eligible for
http://www.healthcare.gov/
Access2Wellness: www.access2wellness.com
Access2wellness
provides access to one of the broadest selections of assistance
programs that offer more than 1,000 prescription medications, for free
or at a discount, to those who qualify. Access2wellness was designed to
help people find information on assistance programs quickly and easily.
It describes available programs and provides contact information. It
also features a unique Eligibility Tool that can quickly and easily
determine which patient assistance programs might be most appropriate.
Health Insurance Eligibility Quiz (Provided by Foundation for Health Coverage Education)
Take our
simple 5-question Eligibility Quiz and receive a personalized list of
both the public and private health coverage options for which you may
qualify!
http://www.coverageforall.org/finder/index.php
Women, Infants and Children Program: www.fns.usda.gov/wic/
WIC is a
federally-funded health and nutrition program for women, infants, and
children. WIC helps families by providing checks for buying healthy
supplemental foods from WIC-authorized vendors, nutrition education, and
help finding healthcare and other community services. Participants
must meet income guidelines and be pregnant women, new mothers, infants
or children under age five.
Children's Health Insurance Program (CHIP)
The Children's Health Insurance Program (CHIP) is a state and federal partnership that provides low-cost health insurance coverage for children in families who earn too much income to qualify for Medicaid but cannot afford to purchase private health insurance coverage. States have considerable flexibility to establish income eligibility rules for CHIP, but children enrolling in the program must be otherwise uninsured.
Find a provider in your area at http://www.insurekidsnow.gov/state/index.html
Planned Parenthood: www.plannedparenthood.org/
Planned
Parenthood is the nation's leading sexual and reproductive health care
provider and advocate.
The Beehive: Health
Free health tips on living a balanced and healthy life.
http://www.thebeehive.org/health
Seniors
Medicare Interactive ToolHelps make the healthcare maze easier to understand.
http://www.medicareinteractive.org/index.php
Doughnut Hole Calculator
If you have Medicare Part D, you may be at risk of falling into the coverage gap, or "doughnut hole." Follow this four-step tool and save money!
http://doughnuthole.aarp.org/
Human Services
211: www.211.org2-1-1
is the three digit number set aside by the federal Communications
Commission (FCC) in July 2000 for the sole purpose of providing health
and human service information and referral (I&R). Similar to 911 for
emergency services and 411 for directory assistance, 2-1-1 is the three
digit number to dial for health and human service information and
referral.
United Way:www.liveunited.org/
United Way
of America is the national organization dedicated to leading the United
Way movement. Local United Ways create long-lasting community change by
addressing the underlying causes of the most significant local issues.
Common focus areas include helping children and youth achieve their
potential, promoting financial stability and independence, and improving
people's health. Our goal is to create long-lasting changes by
addressing the underlying causes of problems.
Meals on Wheels: www.mowaa.org
The
Meals On Wheels Association of America (MOWAA) is the oldest and largest
organization in the United States representing those who provide meal
services to people in need.
Child Care Information and ResourcesVisit this website for more information on programs which provide little to no cost child care in your area.
http://nccic.acf.hhs.gov/emergency/topic_childcare.cfm#2
Early Head Start Program
The Early Head Start (EHS) program is for low-income infants, toddlers, pregnant women and their families. EHS programs enhance children's physical, social, emotional, and intellectual development; assist pregnant women to access comprehensive prenatal and postpartum care; support parents' efforts to fulfill their parental roles; and help parents move toward self-sufficiency.
Find a head start location in your area at http://eclkc.ohs.acf.hhs.gov/hslc/HeadStartOffices
Click here for Other Helpful Resources