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  • Framingham Library: Finances
    and assets For more information about whether you qualify visit your local Social Security office or check the Social Security Website www ssa gov top Banking Your Money Money should be kept in a bank for safety and to permit your savings to earn interest All banking institutions are insured by the federal government so that you will not lose your deposits if the bank is robbed or goes out of business All records in the bank are under normal circumstances confidential In Massachusetts there are two kinds of institutions in which you may deposit your money banks and credit unions They provide a variety of services You may open a savings account at a bank and receive interest on the money you have deposited You may withdraw the money at any time but people normally keep a certain amount in their accounts for emergencies or to build up savings for the future Banks and credit unions also offer checking accounts You deposit an amount in your checking account in the bank or credit union and write checks for up to the total amount of money in your account You should keep your own records of all checks the bank will send you a monthly statement of all transactions Many kinds of checking accounts are available Some pay interest others do not Some have monthly charges others do not if a certain minimum balance is maintained in the account Discount or free checking accounts are available for seniors over 65 years Not all stores accept checks Those that do accept checks normally require identification such as a driver s license or a credit card However checks are a very convenient way to pay bills and mail money Checks can be mailed safely currency cannot Most employers pay their employees in the form of a check which then can be deposited into your account or cashed at a bank Banks and credit unions offer the cheapest way to borrow money but the rates are still high and the monthly repayments may be too difficult unless you have planned your budget carefully If you do not have a checking account both banks and credit unions will issue a bank check also called a treasurer s check or a cashier s check for the amount that you need You may have to pay a small service charge in addition to the amount of the check Another common form of payment is a money order This can be purchased in various amounts in most banks credit unions post offices supermarkets and other locations Some banks and credit unions have safe deposit boxes in which you may keep your valuables documents jewelry but no cash Credit cards usually issued by banks and credit unions are very popular for store purchases and other expenses Before choosing a credit card opening a bank account or selecting a telephone service etc ask friends for advice and compare costs and service These are highly competitive services with differences that

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywfinances.htm (2016-05-02)
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  • Framingham Library: Finanzas
    n bancaria es confidencial En la mayor a de los casos Hay dos clases de instituciones bancarias en Massachusetts donde puede depositar el dinero los bancos y organizacones de credito Credit Unions Los bancos dan una variedad de servicios Puede abrir una cuenta de ahorros en un banco y recibir inter s sobre el dinero depositado Puede sacar este dinero en cualquier momento pero la mayor a de las personas guardan cierta cantidad para emergencias o para ahorrar para el futuro La mayor a de los bancos ofrecen cuentas corrientes Se deposita una cantidad en la cuenta corriente del banco y se escriben cheques hasta la cantidad de la cuenta Cada persona debe de llevar cuentas propias de sus cheques el banco manda un extracto mensual con todas las transacciones Existen muchos tipos diferentes de cuentas corrientes Algunas pagan inter s otras no Algunas tienen cargos mensuales y otras requieren mantener un m nimo en la cuenta Para personas mayores de 65 a os de edad se debe preguntar por los descuentos o cuentas gratis No todas las tiendas aceptan cheques Las que aceptan cheques normalmente piden identificaci n como licencia de conducir o tarjeta de cr dito Los cheques son una forma f cil de pagar facturas y enviar dinero Los cheques se pueden enviar por correo con todo seguro dinero en efectivo no La mayor a de los trabajos pagan a sus empleados con cheque el cual puede depositar en su cuenta o cobrar en un banco Los bancos y las organizaciones de cr ditos ofrecen la forma m s barata de pedir dinero prestado Si se planea bien aun con los intereses siendo altos los pagos mensuales no deber an ser muy dif ciles de pagar Si no tiene cuenta corriente puede obtener un tal n o cheque de banco por cualquier cantidad en los bancos o las cajas de ahorros Pagar un peque o precio m s el valor del tal n Otra forma com n de pago es un env o de dinero Estos se pueden comprar en cantidades varias en la mayor a de los bancos y oficinas de correos Los bancos y las organizaciones de cr ditos tambi n tienen cajas fuertes donde se puede guardar las pertenencias confidencialmente Son disponibles en varios tama os y estasa se alquilan por a o Las Tarjetas de Cr dito normalmente dadas por los bancos y las organizaciones de cr ditos son muy populares para las compras en tiendas u otros gastos Antes de escoger una tarjeta de cr dito abra una cuenta en el banco o escoja un servicio de tel fonos etc pida consejo a los amigos y compare precios y servicios Estas compa as var an mucho y son muy competitivas con diferencias que podr an ser substanciales top Derechos del Consumidor Lo siguiente es un sumario de tus derechos como consumidor Para m s informaci n se puede llamar a la l nea de informaci n de la fiscal a general Consumer

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywfinsp.htm (2016-05-02)
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  • Framingham Library: Health Care
    insurance they must report coverage on their income tax forms Massachusetts Health Connector Connect with an insurance provider For more information call 1 877 623 6765 or visit the website www mahealthconnector org MassHealth Enrollment Center http www mass gov eohhs gov departments masshealth For information 1 800 841 2900 Application for MassHealth Health Insurance Processing Center P O Box 4405 Taunton MA 02780 Many families do not qualify for public assistance DTA benefits and cannot afford private health insurance MassHealth provides health care benefits to low and middle income families living in Massachusetts The Division of Medical Assistance offers these benefits directly or by paying part or all health insurance premiums You may be eligible if Your family income is low or medium You have children under age 19 You are under age 19 whether or not you live with your own family You are pregnant with or without other children You have been out of work for a long time You are disabled Women s and Children s Health Care Children s Medical Security Plan https www cmspkids com Telephone 1 800 909 2677 WIC Women Infants and Children Program SMOC http www smoc org wic women infants children program php 7 Bishop Street Framingham MA 01702 Telephone 508 620 1445 WIC provides food vouchers nutritional information and prenatal education Must be income eligible show proof of residence and provide a picture ID Program available in numerous towns Spanish Portuguese Women s Health Network Toll free number 1 877 414 4447 Eligible low income women age 40 to 64 with limited or no health insurance Under 40 and over 64 if qualified Free annual pep test mammogram and physical exam Immigration status not considered social security number not required Spanish Portuguese top Dentists Reduced Fee Dental Clinics Going to the dentist can be very expensive in the U S The clinics listed below offer dental services at substantially lower costs Much of the work is done by dental students and dental hygiene students under the supervision of a dentist Call directly for more information Edward M Kennedy Community Health Center http www kennedychc org services dental 32 Concord Street Framingham MA Telephone 1 800 853 2288 Provides dental care for both insured and uninsured Mass Dental Society www massdental org 2 Willow St Suite 200 Southborough MA 01745 Telephone 800 342 8747 This is a program with dentistry for all to help low income people who have no dental insurance MassHealth clients are eligible Dentists charge reduced fees for services and most work is done by dental and hygiene students under supervision of a dentist Middlesex Oral Surgery 126 Union St Marlboro MA Telephone 508 485 3245 Accepts MassHealth Medicaid Quinsigamond Community College www qcc edu 670 West Boylston Street Worcester MA 01606 Telephone 508 853 2300 Mental Health Advocates http www advocates org 1881 Worcester Road Framingham MA 01701 Telephone 508 628 6300 24 Hour Crisis Support 1 800 640 5432 Provides individual group and family counseling

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywhealthcare.htm (2016-05-02)
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  • Framingham Library: Temas De Salud
    a aplicar para el seguro de salud MassHealth Enrollment Center http www mass gov eohhs gov departments masshealth Para informaci n 1 800 841 2900 Solicitud de MassHealth Health Insurance Processing Center P O Box 4405 Taunton MA 02780 Muchas familias en Massachusetts no pueden acceder a la asistencia p blica DTA ni pueden pagar un seguro m dico privado MassHealth ofrece cobertura de bajo costo para las familias en Massachusetts La Divisi n de Asistencia M dica ofrece estos beneficios directamente o pagando parte de la cobertura de seguro de salud Usted puede calificar si su familia tiene un ingreso bajo o medio tiene hijos menores de 19 a os usted tiene menos de 19 a os viva o no con su familia est embarazada con o sin otros hijos ha estado sin trabajo por largo tiempo est imposibilitado de trabajar Los Servicios de Salud para las Mujeres y los Ni os Children s Medical Security Plan https www cmspkids com Tel fono 1 800 909 2677 WIC Women Infants and Children Program SMOC http www smoc org wic women infants children program php 7 Bishop Street Framingham MA 01702 Tel fono 508 620 1445 WIC brinda cupones para alimentos informaci n nutricional y educaci n prenatal Elegibilidad seg n ingreso con prueba de residencia e identificaci n con foto Este programa se ofrece en varias municipalidades Espa ol portugu s Clique aqui para informaci n de WIC en Espa ol Women s Health Network Numero telef nico gratuito 1 877 414 4447 Mujeres de bajo ingreso entre las edades de 40 a 64 sin o con seguro limitado Menores de 40 o mayores de 64 si cualifican Examen anual de PAP gratuito mamo gramas ex menes f sicos No se exige estatus de inmigraci n ni cedula de seguro social Espa ol portugu s top Dentistas Cl nicas Dentales a Precio Reducido Ir al dentista puede ser muy caro en USA Las cl nicas mencionadas ofrecen servicios dentales a un precio substancialmente menor Mucho del trabajo lo hacen estudiantes dentales y estudiantes de higiene dental bajo la supervisi n de un dentista Llame directamente para m s informaci n Edward M Kennedy Community Health Center http www kennedychc org services dental 32 Concord Street Framingham MA Tel fono 1 800 853 2288 Provee asistencia dental tanto a aquellos con seguro como los que no tienen seguro Mass Dental Society www massdental org 2 Willow St Suite 200 Southborough MA 01745 Tel fono 800 342 8747 Este es un programa de dentister a para todos que ayuda a las personas de bajos ingresos que no tienen seguro dental Clientes de MassHealth son elegibles Estos dentistas cobran precios reducidos para los servicios y la mayor parte del trabajo se hace por estudiantes de dentister a o de la higiene bajo la supervisi n de un dentista Middlesex Oral Surgery 126 Union St Marlboro MA Tel fono 508 485 3245 Acepta MassHealth Medicaid Quinsigamond Community College www qcc edu 670 West

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywhealsp.htm (2016-05-02)
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  • Framingham Library: Cuidados com a Sa�de
    de MassHealth Enrollment Center http www mass gov eohhs gov departments masshealth Informa es 1 800 841 2900 Application for MassHealth Health Insurance Processing Center P O Box 4405 Taunton MA 02780 Muitas fam lias n o se qualificam para o aux lio p blico DTA e n o possuem recursos para pagar um seguro de sa de particular MassHealth fornece benef cios de servi os de sa de s fam lias de baixa e m dia renda que vivem em Massachusetts A Divis o de Assist ncia M dica oferece estes benef cios diretamente ou pagando parte ou o total dos pr mios do seguro de sa de Voc pode ser eleg vel se a renda de sua fam lia baixa ou m dia se voc tem crian as com idade inferior aos 19 anos se voc tem idade inferior aos 19 anos vivendo ou n o com sua pr pria fam lia se voc est gr vida tendo ou n o outros filhos se voc est h muito tempo desempregado se voc deficiente f sico Cuidados de Sa de das Mulheres e das Crian as Children s Medical Security Plan https www cmspkids com Telefone 1 800 909 2677 WIC Women Infants and Children Program SMOC http www smoc org wic women infants children program php 7 Bishop Street Framingham MA 01702 Telefone 508 620 1445 WIC oferece vouchers para alimentos informa o nutricional e educa o pr natal Deve ser qualificado atrav s de sua renda deve mostrar prova de resid ncia e identidade com foto Programa dispon vel em v rias cidades Espanhol Portugu s Clique aqui para informa es sobre WIC em Portugu s Women s Health Network Toll free number 1 877 414 4447 Qualifica mulheres de 40 a 64 anos com baixa renda e pouco ou nenhum seguro de sa de Abaixo de 40 e acima de 64 se qualificada Exames anuais gratuitos papanicolau mamograma e exame f sico Estado imigrat rio n o considerado n mero do Seguro Social n o exigido Espanhol Portugu s top Dentistas Cl nica Dent ria de Baixo Custo Ir ao dentista pode tamb m ser muito caro nos Estados Unidos As cl nicas abaixo listadas oferecem tratamento dent rio a um custo relativamente baixo A maior parte do trabalho feito por estudantes de odontologia e por estudantes de higiene bucal sob a supervis o de um dentista Ligue diretamente para obter maiores informa es Edward M Kennedy Community Health Center http www kennedychc org services dental 32 Concord Street Framingham MA Telefone 1 800 853 2288 Cuidado dent rio oferecido para pessoas com ou sem seguro Mass Dental Society www massdental org 2 Willow St Suite 200 Southborough MA 01745 Telefone 800 342 8747 Esse um programa dent rio para todos para ajudar pessoas que possuem baixa renda e n o t m seguro dent rio Clientes do MassHealth s o eleg veis Os dentistas cobram valores reduzidos e a maior parte do servi o feita

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywhealpo.htm (2016-05-02)
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  • Framingham Library: Housing
    you leave the apartment before the end of the lease you are subject to a fine You sign a new lease every time the lease ends If you are a tenant at will that means you or your landlord must notify the other 30 days before moving out When you have rented the apartment the landlord usually asks you to pay in advance the first and last month s rent he or she might also ask you for a security deposit A landlord cannot collect more than one month s rent as a security deposit which must be held in an interest bearing Massachusetts bank account You are entitled to 5 interest or the actual interest received by the landlord from the bank whichever is less Interest is payable annually within 30 days of the yearly anniversary date of your tenancy At the end of the tenancy the landlord may only deduct from the deposit for unpaid rent certain unpaid real estate tax increases and for damage beyond reasonable wear and tear The security deposit must be returned nothing deducted within 30 days after the tenancy ends or you are entitled to triple damages three times the amount of the deposit If this happens to you you must pursue your claim through the small claims court You do not need a lawyer The court clerk will explain how to file a claim Renting a Room in a Lodging House Lodging houses also known as boarding or rooming houses offer rooms for rent View a list of licensed lodging houses in Framingham This list is supplied by the Town of Framingham Licensing Department Getting a Telephone To begin telephone service in your apartment or house in the Framingham area you must call 1 800 870 9999 You will reach Verizon the local telephone company For more information visit Verizon s website at www verizon com You will be asked for the following information Address Where the new phone will be installed Social Security Number If you do not have a Social Security number just tell them It is not mandatory you still can get telephone service Telephone Number Where you can be reached such as work number landlord s number friend s number Billing Address Who will pay the bill and where it should be sent Type of Service You Want There are several plans available For details look in the Verizon Yellow Pages You also may be interested in other optional services for an extra fee top Utilities Electricity Eversource Telephone 1 800 592 2000 Serves Framingham Ashland and surrounding towns There are discounts for people eligible for fuel assistance or receiving other services Call 1 800 566 2080 for information about this program National Grid Telephone 1 800 322 3223 Serves Marlboro Hudson and surrounding towns To begin electric service in your apartment you must call one of the electric companies listed above You will be asked the following information Name Who is responsible for the bill Address Where

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywhousing.htm (2016-05-02)
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  • Framingham Library: La Vivienda
    el apartamento durante el tiempo acordado pero si deja el apartamento antes del fin del contrato tendr que pagar una penalizaci n Cuando el contrato se vence se tiene que firmar un contrato nuevo Un tenant at will arrendador sin contrato le tiene que notificar con 30 d as de anticipaci n de un desalojo Al alquilar un apartamento el due o normalmente pide un avance del primer y ltimo mes del alquiler tambi n puede pedir una fianza en dep sito la cual el esta obligado a poner en una cuenta bancaria de Massachusetts que produzca inter s Ud tiene derecho de recibir la menor de las cantidades el 5 de inter s o a la suma actual recibido por del banco por el due o El inter s se debe pagar anualmente dentro de 30 d as de cumplirse el aniversario de ocupaci n Al terminar la ocupaci n del apartamento el due o s lo puede deducir del dep sito el alquiler que no haya pagado ciertas tasas inmobiliarias no pagadas y el costo de los da os hechos m s all del uso normal El dep sito de seguro debe ser devuelto dentro de 30 d as del desalojo o Ud tendr derecho a da os triples tres veces la cantidad del dep sito Si esto pasa deber reclamar en el tribunal de instancia de asuntos menores small claims court No requiere abogado Un ayudante de la corte le explicar como hacer el reclamo Solicitando un Tel fono Para empezar el servicio de tel fonos en el apartamento o casa en rea de Framingham tiene que marcar el 800 870 9999 Se conectar con la compa a de tel fono local Verizon Para m s informaci n visite la p gina del Internet www verizon com Pedir n la siguiente informaci n Direcci n Donde ser instalado el tel fono nuevo N mero de Seguro Social Si no tiene n mero de seguro social simplemente decirlo No es obligatorio a n puede tener servicio telef nico N mero de Tel fono Donde le pueden localizar ejemplo n mero del trabajo casa o un amigo Direcci n par envio de cuentasa Quien pagar la factura y donde mandarla Tipo de Servicio Deseado Hay varios planes disponibles Para detalles busque las paginas amarillas de Verizon Ud tambi n puede estar interesado en otros servicios opcionales por un pago extra top Ultilidades Electricidad Eversource Tel fono 1 800 592 2000 Sirviendo a Framingham Ashland y reas cercanas Hay descuentos para aquellas personas cualificadas para la asistencia con el combustible o dem s servicios Llame al 1 800 566 2080 para mas informaci n sobre este programa National Grid Tel fono 1 800 322 3223 Sirviendo a Marlboro Hudson y reas cercanas Para comenzar el servicio el ctrico en su apartamento debe llamar a una de estas compa as Les preguntar n la siguiente informaci n Nombre Qui n ser el responsable de la factura Direcci n Donde va a

    Original URL path: http://www.framinghamlibrary.org/newcomers/fywhoussp.htm (2016-05-02)
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  • Framingham Library: Moradia
    o locador n o pode pedir que voc deixe o apartamento durante esse per odo mas se voc sair do apartamento antes do final do contrato voc estar sujeito a uma multa Voc deve assinar um novo contrato de aluguel ao t rmino deste Se voc for um inquilino tenant at will isto significa que voc ou o locador devem notificar ao outro 30 dias antes da mudan a Quando voc aluga um apartamento o locador pede geralmente que voc pague adiantado o aluguel do primeiro e ltimo m s pode tamb m ser pedido um dep sito de seguran a Um locador n o pode recolher mais do que um aluguel do m s como um dep sito de seguran a que deve ser mantido em uma conta de banco que renda juros do estado de Massachusetts Voc tem direito ao rendimento de 5 ou do rendimento real recebido pelo locador qualquer que seja o valor O rendimento pago anualmente dentro de 30 dias da data anual do anivers rio do seu contrato No fim do contrato o locador pode somente deduzir do dep sito os alugu is n o pagos alguns aumentos n o pagos de impostos predial territorial e alguns danos al m do desgaste natural e de uso O dep sito de seguran a deve ser retornado nada deduzido dentro de 30 dias ap s o contrato terminado ou voc ser intitulado ao recebimento de tr s vezes o valor do dep sito triple damages Se isto n o acontecer voc deve reivindicar atrav s da corte de pequenas causas Voc n o precisar de um advogado O funcion rio da corte explicar o procedimento Como Conseguir uma Linha Telef nica Para solicitar a instala o de uma linha telef nica em sua casa ou apartamento na rea de Framingham ligue 1 800 870 9999 Voc falar com a Verizon a companhia local de telefone Para maiores informa es acessar o website www verizon com Ser o solicitados os seguintes dados Endere o Onde o novo telefone dever ser instalado N mero do Social Security Se voc n o tem o n mero do Social Security apenas diga que n o tem Este n mero n o obrigat rio para este servi o N mero de um telefone de contato onde voc pode ser encontrado por exemplo seu trabalho ou telefone de um amigo Endere o para conta Quem pagar a conta e para onde ser enviada Tipo de servi o que voc quer Existem diversas op es dispon veis Para detalhes verificar nas p ginas amarelas do cat logo telef nico da Verizon Para servi os opcionais haver cobran a de taxa extra top Utilidades Electricidade Eversource Telefone 1 800 592 2000 Serve a rea de Framingham Ashland e cidades vizinhas Descontos dispon veis para pessoas qualificadas para receber assist ncia de combust vel ou outros servi os Ligue para 1 800 566 2080 para informa es National Grid Telefone 1 800 322 3223 Serve

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