Louisiana
Can You Pay Your Louisiana Taxes with a Credit Card?
According to one automated website Louisiana residents are just 58 days and a few hours away from one of our least favorite days of the year. That day is in mid-April and it’s the day we, the people, are required to submit our federal and state income tax returns.
Tax Consultants Prepare For New Tax Guidelines
For the majority of Louisiana residents that isn’t as bad as it could be for residents of other states. That’s because it’s estimated that 79.3% of Louisiana residents who file a federal or state tax return will get a refund. Only three other states, West Virginia, Mississippi, and Indiana have a higher percentage of taxpayers getting money back.
That still leaves about 20% of us having to make a payment to Uncle Sam or Uncle Jeff, it used to be Uncle John Bel but Jeff got elected in the last gubernatorial race, so we’ll blame him now.
And depending on how you have your withholdings structured where you work you could find yourself owing a few bucks, a few hundred bucks, or in some cases a few thousand bucks or more. This leads to another question, “How am I going to pay this”.
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Can You Use a Credit Card to Pay Your Federal Income Taxes?
The short answer from the Internal Revenue Service is “yes”. Yes, you may use a credit card to pay your tax obligation. Certain service fees apply but you may pay that bill with a credit card. The IRS accepts VISA, Mastercard, American Express, and Discover. Most of the fees amount to just under 2% of the total transaction cost. So, it’s a minimal charge for the convenience and security of paying by card.
Just so you know, when you get your credit card statement the payment will be listed as “The United States Treasury Tax Payment” and the convenience fee will be noted as “Tax Payment Convenience Fee” or something similar. We should not that the Internal Revenue Service does not collect any monies from the “convenience fees”.
Fistful Of Credit
Can You Use a Credit Card to Pay Your State Taxes?
The answer to that question is “probably”. It depends on which state you live. But if you live in Louisiana you are in luck. You may use your fantastic plastic to cover your state tax obligation too. And just like with the federal taxes, there are convenience fees that have to be paid.
In Louisiana, the convenience fee for paying taxes on a charge card is 2.45% of the total transaction. Again, it’s not a lot of money when you compare it to the convenience and security using a card offers.
Sara Dubler via Unsplash.com
Pay Your Taxes Earn Hotel Stays and Airline Miles
When you pay your taxes with a credit card there are a few other benefits you might consider. Those “purchases” can earn you reward points on your card. You might redeem those for free hotel stays or airline tickets depending on which card you use and what rewards program you subscribe to.
Paying with a credit card also allows you to “pay over time”. While the IRS or State Treasury gets their money instantly, you’ll have the ability to pay what you owe over a period of months. Again, that is dependent on what your credit card agreement states.
Can You Buy Lottery Tickets in Louisiana with a Credit Card?
This just seemed like a great follow-up question to include. The answer is “yes”. But there is a caveat. The Louisiana Lottery says you may purchase tickets with a credit card but the choice to sell tickets via credit card is up to individual retailers. Since most of the retailers don’t make a lot of money on a lottery purchase that has “credit card fees” attached, most of them don’t and now you know.
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Gallery Credit: Bruce Mikells
Louisiana ranks among the top 10 most affordable states to retire, according to a new study from Retirement Living, a national journal of retirement research.
Researchers analyzed each state’s housing costs, living expenses and tax friendliness to compile the ranking. Louisiana, they say, is the eighth most affordable state for retirees.
In Louisiana, the median monthly rent for a one-bedroom apartment is $932, the median home sale price is $255,000, monthly grocery spend per capita is $272, the average price per gallon of regular gas is $4, the average Medicare Advantage monthly premium is $13.35 and the average effective property tax rate is 0.55%.
West Virginia is the most affordable state to retire, followed by Mississippi, Alabama, Oklahoma, Arkansas, Kentucky, Missouri, Louisiana, Indiana and Kansas. Researchers describe the South as “the sweet spot for an affordable retirement.”
The most expensive state to retire, meanwhile, is California, followed by Hawaii, Washington, Oregon, Colorado, New Jersey, Massachusetts, Utah, New York and Minnesota.
Read Retirement Living’s full report here.
BATON ROUGE, La. (WAFB) – With hurricane season approaching, the Louisiana Coastal Protection and Restoration Authority is bringing the community together to prepare before a storm forms.
“We can’t stop disasters from happening. We can’t stop hurricanes from happening. But what we can do is equip our communities with the resources that they need to prepare for these storms ahead of time,” said Jayda Morris, CPRA outreach manager.
The agency hosted an event featuring interactive storm simulations and a full model of the Mississippi River.
“If you do it now, like on a sunny day like today, you’re ready to go for the rest of the season,” Jay Grymes said.
El Niño may reduce storms, but Louisiana still at risk
State Climatologist Jay Grymes said an El Niño pattern may reduce the number of storms in the Atlantic but warned against a false sense of security.
“In those 25 years, Louisiana, some part of the state has been impacted by 29 storms. That’s one a year, regardless of El Niño. So that should tell you something,” Grymes said.
He said the bigger concern is storms that can form in the Gulf with little warning.
“If we’re going to get a storm, it very possibly could be one that bubbles up in the Gulf and doesn’t give us five or seven days to track it coming our way. It gives us 40 hours to get ready for a landfall. So it’s imperative that you go ahead and do it now,” Grymes said.
Preparation goes beyond stocking water
Preparing now includes walking through yards, checking trees, and knowing whether everyone in the family can survive two weeks without power.
PhD students with the LSU College of the Coast and Environment gave the community a virtual reality experience that puts users inside a storm.
“If they wear the goggles or play with the Apple Vision Pro, they can understand how high will the flood be, and they can know how dangerous is the hurricane scenario,” said Yixuan Wang.
The VR simulation uses real historical data to show users what compound flooding looks like in New Orleans and surrounding areas. The goal is to make the science real for people who can’t picture what a flood map means.
“It’s just to let you understand the environment. We will add the audios, the different sound of the wind and the storm. And you can see how tense of the rainfall around you,” Wang said.
Organizers said the event is about making sure that when a storm threatens the area, families already know their plan.
Information from the event is available on CPRA’s website. Hurricane season runs through Nov. 30.
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BATON ROUGE, La. (WAFB) – Louisiana homeowners can get financial help to upgrade their roofs and ensure they can better stand up to strong storms.
According to the Louisiana Department of Insurance, registration for next Louisiana Fortify Homes Program lottery opens at 8 a.m. on Monday, June 1. The registration period will stay open through 5 p.m. on Friday, June 19.
Under the latest round of the program, 3,000 grants of up to $10,000 will go out. After applying, homeowners will get placed into a lottery and will be randomly selected.
There are many specific benefits of having a roof upgraded through the Louisiana Fortify Homes Program. Officials said the roofs have stronger shingles that can protect against hail up to two inches wide, sealed roof decks to help prevent water damage, and stronger edges to keep wind from getting underneath.
Homeowners with a fortified roof can also get a certificate to receive a discount on insurance premiums.
“At the end of the day, this program is about more than just roofs,” said Louisiana Insurance Commissioner Tim Temple. “It is about protecting families, it is about strengthening communities, and it is about putting Louisiana in a stronger position—both physically and economically—to face the challenges ahead.”
Only people living in Ascension Parish, Livingston Parish, Assumption Parish, Tangipahoa Parish, Acadia Parish, Calcasieu Parish, Cameron Parish, Iberia Parish, Jefferson Parish, Jefferson Davis Parish, Lafayette Parish, Lafourche Parish, Orleans Parish, Plaquemines Parish, St. Bernard Parish, St. Charles Parish, St. James Parish, St. John the Baptist Parish, St. Martin Parish, St. Mary Parish, St. Tammany Parish, Terrebonne Parish, and Vermilion Parish are eligible to apply for the latest round of the program.
People living in a newly built home, mobile home, or condominium are not qualified.
For a detailed list of eligibility requirements, click here.
If a person registered for the program previously, he or she must do so again. The person will also need to provide the following information:
- A homestead exemption on the primary residence.
- A policy of insurance that provides wind coverage for the primary residence.
- A flood insurance policy on the primary residence if it is in a special flood hazard area.
For more information about applying, click here.
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Watch the latest WAFB news and weather now.
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