COVID-19 INFORMATION

Center For Disease Control

 

NATIONAL RELIEF MEASURES

Broad Measures

  • The tax-filing deadline has been moved from April 15 to July 15 for both Federal and California State taxes.
  • Send stimulus checks directly to American households. Use this calculator to estimate how much your family will receive. If you haven’t received your stimulus check click here to find help.
  • Bank of America, Wells Fargo, and Ally Bank have all said that if customers are having trouble making payments on loans (mortgages, credit cards, personal loans, auto loans, etc.) to call them to find out what options are available.
  • Foreclosures and evictions will be suspended for 60 days on all HUD-owned properties and mortgages backed by the FHA, Fannie Mae, or Freddie Mac. Additionally, homeowners are eligible for a forbearance plan to reduce or suspend their mortgage payments for up to 12 months. Borrowers should contact their loan servicer to ask about this.
  • Suspend Federal student loan payments through September 30 with no accrual of interest on these loans. Borrowers should contact their loan servicer to ask about this.
  • Individuals that apply for unemployment insurance will receive an additional $600/week for up to four months on top of what they would normally receive from unemployment benefits. Self-employed workers and independent contractors are eligible for this program.
  • Click here to find other Covid-19 Government Benefits.

STEPS TO TAKE IF YOU’RE CONCERNED ABOUT PAYING BILLS

Budget

  • If you haven’t looked at a budget in a while, now’s the time to do so. Every Dollar is a great free app to use to get a budget together.
  • Get clarity from your income sources as to what the reality will look like over the coming weeks.
  • Cut spending to bare necessities. If you can’t pay all of your bills, Dave Ramsey recommends you spend your money on these four items first and in this order:
    • Food 
    • Utilities 
    • Shelter 
    • Transportation

Defer Payments

  • If you’re still not able to cover all of your expenses, identify payments that can be deferred:
  • Call creditors to explain your situation. You can ask for temporary relief on your monthly payments. If you offer to still send some money, even if it’s a smaller amount than your typical payment, they might be more willing to work with you.
  • If you have federal student loans, you can forbear (interest accrues) or defer (interest doesn’t accrue on subsidized federal loans) your loan payments.
  • For student loans, use this questionnaireto understand what options are available to you.
  • If you’re paying extra on debt(s) right now and have less than one to two months’ worth of expenses in an emergency fund, it might not be a bad idea to temporarily stop extra payments and then restart them once things settle down.
  • Enroll for health insurance, if you can.

Cell Phone/Internet

  • Xfinity will not disconnect or add late fees for customers who contact the company. Customers will have unlimited data for 60 days, and Xfinity Wi-Fi hotspots will be free for anyone. New customers will also get access to 60 days of free Internet Essentials service (25 Mbps).
  • AT&T, Verizon, and Sprint will not terminate or add late fees for the next 60 days. Public Wi-Fi hotspots are also open and customers will receive unlimited Internet data. 
  • T-Mobile advises customers with past-due amounts to set up payment arrangements online. 

 

CALIFORNIA STATE/KINGS COUNTY ASSISTANCE PROGRAMS.

Unemployment Insurance

Small Businesses

Financial/Rent Utility/Food Assistance

CHILD CARE FOR ESSENTIAL WORKERS

 
 

We are ALL dealing with higher stress levels right now that are affecting our emotional and mental health. You are not alone in this, but it can definitely feel that way! Here are a few resources that you can access right now and please reach out to us at any time for prayer or encouragement using the orange chat bubble in the bottom right of the page.
 
Current Classes: 
 
Anxiety robs you of your sense of safety, well-being, and peace. The group Overcoming Fear & Anxiety, offers a whole-person approach to coping with and eliminating anxiety combining common sense, biblical wisdom, and therapeutic advice.
 
In this group we will identify the causes of anxiety, assess the severity of the symptoms, and start down avenues of positive change. This group will help you step out of the shadow of constant worry and into the light of confident, peaceful life.
Led by Kings Counseling Facilitators. If you are married or engaged this 6-week class is for you!
 
Discuss the foundations necessary for a successful marriage. This class is a must if you are requesting a Koinonia pastor to perform your wedding ceremony.
 
Topics include: Relational Pillars and Emotional Termites, Psycho-social Patterns, How To Have A Fight, Finances, Love and Romance, and Spiritual Leadership.

Dealing with Stress within the Home

 
Paul tells us in Ephesians 4:3 “Make every effort to keep the unity of the Spirit through the bond of peace.” But what if that “bond of peace” seems less like peace and more like chains. The fact is, these times can be really difficult for people.

For some, quarantine means you are stuck in a house with someone who you know will hurt you.

WARNING SIGNS: that you may be in an abusive relationship Isolation from Friends, Family and Employment
Constant Surveillance
Strict Detailed Rules for Behavior

Restrictions on Access to Basic Necessities (food, clothing and sanitary facilities) This PDF download can help make people aware and prompt them to action, even by

just contacting someone for advice. For victims and friends alike!​ ​Recognize the signs.

What Can You Do?

Reach out to your support system of friends and family Set Safe Boundaries Your First Priority

(you can’t work on an unsafe relationship…until it’s safer)
Create a safety plan with lots of options (people to call, places to go, things to bring with)

Call any of these numbers:

THE HOTLINE​. Advocates are available 24/7 in more than 200 languages. All calls are free and confidential.
CALL 1-800-799-SAFE (7233) | TTY 1-800-787-3224 | CHAT​ THEHOTLINE.ORG

Kings Community Action Organization – Domestic Violence 24-Hour Hotline 1-877-727-3225

Sometimes it’s difficult for people to understand​ why someone stays in an abusive relationship. Here’s a great webpage on that:​ ​“Why Don’t They Just Leave?”

Paul tells Ephesians 4:2 that we should “Be completely humble and gentle; be patient, bearing with one another in love.” So if you are speaking with someone in an abusive relationship:
Be Concerned
Check in Often
Share Resources
Be Humble, Gentle, Patient, Loving…like Paul says!

This article can help you get prepared! ​How to Help a Domestic Violence Victim

For other couples, quarantine brings out things you need to work on together.

Paul tells us in Ephesians 4:4-5 There is one body and one Spirit, just as you were called to one hope when you were called; 5 one Lord, one faith, one baptism; 6 one God and Father of all, who is over all and through all and in all.

Personality Differences:

Everyone is different. We are a unique blend of many different traits. Take some time to keep getting to know each other! Search for a personality assessment online, there’s lots of free and cheap ones and explore! I personally like “The Big Five”, “Myers-Briggs”, and “Strengths Finder.” You will probably find that you and your partner are different, yet complimentary.

Boundaries in Marriage

Now that you know you’re different…what are the conflict points these differences bring up? To what degree do you practice independence, interdependence and dependence in your relationship? Some couples enjoy lots of independence and like the space to do what they want. But some need to feel like they are going through life together all the time. Every couple will experience each of these. It’s not about being balanced, it’s about being in agreement and having an understanding of each other.

INDEPENDENCE: Acting separately from your partner, with different goals. Examples: She is out back gardening, while he is golfing, or hiking.

INTERDEPENDENCE: Acting together toward a similar goal in a similar fashion. Examples: A couple has invited their Bible Study over for dinner. He is cleaning while she is cooking. He goes to work, they both decide how to budget the money.

DEPENDENCE: Relying on another for support in order to enable action on your part. Example: He is dependent on her to take care of the kids, while she is dependent on him to make their household income.

And for those couples who have done the work, they are living a life worthy of the calling we have received (Ephesians 4:1)

“Human love opens us up to the divine, just as God’s love teachers us to reach for one another.” ~Dr. Sue Johnson and Kenneth Sanderfer in ​Created for Connection

What does a healthy relationship look like?

Husband and wife can get each other’s attention easily, and really talk. They show each other that they come first in each other’s lives. They share their deepest feelings and experiences.

Husband and wife are present when each needs comfort. Each can respond to signals that they need to come close to the other. They can lean on each other when feeling anxious or unsure. When they fight or disagree, each still knows they are important to the other, and will find a way to come together. If one needs reassurance, they can get it.

Husband and wife feel comfortable being close and fully trusting each other. They can confide in each other about almost anything. They are confident they can connect even when they are apart. They know that they care about each other’s joys, hurts and fears. They feel safe enough to take emotional risks.

Wherever your relationship is at, it requires work and daily care. Join me for some online chats to share and discuss the struggles and joys of married life in quarantine.