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Medicare and Medicaid: What's the Difference?

It's easy to confuse Medicare and Medicaid, particularly since they're both government programs that pay for health care. But there are important differences between each program. Medicare is generally for older people, while Medicaid is for people with limited income and resources.

What is Medicare?

Medicare is a federal health insurance program that was enacted into law to provide reasonably priced health insurance for retired individuals, regardless of their medical condition, and for certain disabled individuals, regardless of age. It is managed by the Centers for Medicare & Medicaid Services, a division of the U.S. Department of Health and Human Services.

What is Medicaid?

Medicaid is a health insurance program that is jointly administered by state and federal governments. Medicaid serves financially needy individuals who are also elderly, disabled, blind, or parents of minor children.

BBB, AT&T, ASIS, U.S. Attorney’s Office and others partner to present free cybersecurity event

BBB, AT&T, ASIS, U.S. Attorney’s Office and others partner to present free cybersecurity event

According to the National Cyber Security Alliance, 60 percent of small businesses that experience a data breach or a cyber-attack are unable to maintain business. In addition, the average cost to fix an attack or a breach is close to $700,000.

To help educate Western New Yorker’s on how to protect their business from an attack or a breach, Better Business Bureau of Upstate New York, AT&T, American Society for Industrial Security (ASIS) Western New York have partnered with the U.S. Attorney’s Office, Crimestoppers, Erie County Law Enforcement Foundation, Lawley, Lincoln Archives to host a free cybersecurity seminar, featuring experts on topics including:

·         Cyber security and your business

·         Securing your mobile device and data

·         Cyber security insurance

WBFO and AT&T to present Cyberbullying Facebook Live Event May 9 at 1 pm

WBFO and AT&T to present Cyberbullying Facebook Live Event May 9 at 1 pm

WBFO-FM 88.7 and AT&T will present a Facebook Live panel event on cyberbullying on Tuesday, May 9 at 1:00 p.m.

Hosted by WBFO Senior Reporter Eileen Buckley, this online event is not simply to raise awareness of cyberbullying.  This program is about developing strategies that students, teachers and parents can use to minimize cyberbullying. The program will also provide online tools and resources to help facilitate conversations and make a cultural shift around this dangerous behavior.

The panel:

·       Tracy Rodemeyer, the mother of Jamey Rodemeyer, the Williamsville teen who was driven to suicide by cyberbullying in 2011.

·       Amanda Nickerson, Ph.d, Director of UB’s Alberti Center for Bullying Abuse prevention.

·       Daniela Wolfe, a social worker for the Amherst School District and serves as a Dignity Act Coordinator.

Helpful Tips to Keep in Mind When Amending Your Tax Return

Taxpayers can fix mistakes or omissions on their tax return by filing an amended tax return. Those who need to amend will find the following tips helpful.

Important Facts about Filing Late and Paying Penalties

April 18 was this year’s deadline for most people to file their federal tax return and pay any tax they owe. If taxpayers are due a refund, there is no penalty if they file a late tax return.

Taxpayers who owe tax, and failed to file and pay on time, will most likely owe interest and penalties on the tax they pay late. To keep interest and penalties to a minimum, taxpayers should file their tax return and pay any tax owed as soon as possible.

Here are some facts that taxpayers should know: 

Commentary: Let’s Start a Community Discussion About Mental Illness

Commentary: Let’s Start a Community Discussion About Mental Illness

While we may not like to talk about it at the dinner table, mental illnesses are real and prevalent in our nation, and approximately half of us will have a mental health diagnosis at some point in our lives. And what better time to talk about it than during May, which is also known nationally as Mental Health Month.

It’s no secret that all Americans experience times of difficulty and stress in their lives, and you and I are not exempt from the problems of daily life. When our troubles begin to overtake our mental health, we should all feel comfortable in seeking help and support to manage these times in a compassionate, judgement-free way. 

Tax Tips to Help You Determine What Makes a Gift Taxable

Taxpayers who give money or property to others may wonder about the federal gift tax and if it applies. Most gifts are not subject to the gift tax.

Here are seven tax tips about the gift tax and giving:

1. Nontaxable Gifts. The general rule is that any gift is potentially taxable. However, there are exceptions to this rule. The following are nontaxable gifts: