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How to Prevent a Tax Offset from Your Student Loan Debt

Written by adminJune 26, 2019

One of the worst things about that paying your student loan debt is that the government will try to get its money any way it can. They don’t care what you’re going through or dealing with. As long as they’re getting their money, they’re happy. But if you go into default and start struggling to pay back your loans, they will come after you.

The process is such a burden on so many Americans that every single Democratic candidate is making student loan debt one of their top priority campaign issues. One of the ways that come after you is by stealing your tax refund right out from underneath you. The Department of Education will refer your account to the Department of Treasury for collection. They can even steal your spouse’s refund.

So, if you owe the Department of Education any money, they won’t hesitate to take your and even your spouse’s tax refund to get what they’re owed. That can cost you thousands of dollars, especially if you’re expecting a tax refund this year. The best thing to do, especially if you’re well into default, is to expect this to happen and not to receive your refund. But, if you need your refund, there are a few ways around it.

The first step in knowing whether your taxes will be offset is whether the department has issued your defaulted student loan with a collection agency. This collection agency one sure that your refund is withheld by the IRS to go directly into student loan debt. Using this method, the IRS must send you a letter with the proposed offset so that you can see for yourself where your money is going.

How to Prevent the Offset from Happening

You may not have any choice in the matter, as the government will get their money anyway they can. But there are a few ways that you can help prevent them from stealing your tax refund. One of those ways is getting back on the books and out of delinquency. There are several ways to do this, but you must return to paying your monthly payments.

The first is by consolidating into a direct loan program. This mean that all of your loans are bundled up with a new lender, essentially pulling alone out of default and forcing it into good standing. You’ll even be able to choose the right type of repayment program that is right for you so that you’re not paying more than you can afford each month.

There’s also the long way of rehabbing your standing with your lender. You have to come together and agree on a new affordable and reasonable repayment plan and get back into making on-time payments. It might take about nine months to get back in the green, but at least doing something and they won’t steal your tax refund from you.

It’s important to understand that your student loans are your responsibility. It’s not a responsibility that you can or should try to avoid. Not paying your student loans will always hurt you in the end. Whatever you have to do to get current, do it. Re-consolidate your loans, refinance your loan, pick up the phone and talk to the creditor and work out a better deal.

These are simple solutions for taking care of a complex problem. Sitting around waiting for the government to make all the decisions for you will not help you. We may never get a new law that wipes away all of our student debt regardless of what presidential candidates say. Take a look at the options you have and go from there.

Written by adminJune 26, 2019

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Teachers have a difficult task at hand. They not only teach students about the basic fundamentals, like math and reading, but they also work hard to prepare our little ones for life in general. A teacher’s success can seem limited, though, when you consider how fast the world is changing and the lack of attention and funds that go into our schools.

There are simple tools and techniques we can use at our disposal to help ensure our kids are prepared for adulthood. In fact, their time in school is their first glimpse of the outside world away from the comfort of their homes. Here are four ways we can help prepare our kids for life and for success in whatever field they choose.

#1: Give students incentives to study.

One amazing fact about kids is, they’re all different and unique in their own special ways. Certain subjects will be more difficult for some students than for others. A lot of schools use the satisfaction of good grades as a motivating factor to do well, but that often doesn’t translate well in the real world. It also doesn’t give attention to the students who studied harder to grasp a concept than those who picked it up quickly.

This idea is difficult and can be discouraging for those who often fall behind. They’re seen as lazy and are punished rather than encouraged for the extra work they put in. Over time, a student will simply accept that they are a “C” student and are comfortable with that existence. It can lead to more problems down the road, including a loss of confidence.

#2: Do away with policies that discourage effort.

One way a lot of schools work to increase the graduation rate is to offer a lax set of rules for allowing students to choose and design their own workload. While it’s understandable that this might contradict the first point made about students working at different paces, this strategy discourages higher learning at any level.

Students who can just choose to evade subjects they don’t want to learn, take easier courses as alternatives to the core curriculum, and awarding those students diplomas simply for having the required number of credits does absolutely nothing to prepare them for life outside the school’s walls. In fact, it does the opposite. It allows for laziness to creep in and when that student enters the real world, they will not be given the same opportunities to ‘take it easy’.

#3: Teach methods that allow students to overcome peer pressure.

Even with elementary school students, peer pressure can offer a profound impact on how students treat their learning opportunities. In a lot of ways, if a certain student does well, studies hard, and participates in class, they are ridiculed and bullied. They may feel the pressure to slack off in class and not be as open in their learning as they should be in fear that the same will happen to them.

This may lead to bigger problems down the road when a student attends school/college simply for a sports-related endeavor and/or to achieve various levels of popularity. Schools can better prepare a student by using peer pressure to their advantage, such as enlisting peer groups to help influence like-minded students to encourage each other in their academic pursuits.

#4: Don’t make it too easy.

As pointed out in the first point, a lot of students are disadvantaged when it comes to learning various subjects. Where it’s necessary to offer incentives for better studies, a lot of schools just outright cut any attempts to encourage higher learning. This is often done in an attempt to save the student’s self-esteem or even because they don’t want to put in the extra effort.

By allowing students a free pass to get out of any subject they deem too difficult does nothing but set a dangerous precedent later in life. Instead, figure out new ways to teach those students in ways that speak to them. There is no ‘black and white’ way of learning. There’s a whole spectrum of ways to teach that can help those who have a tougher time learning.

#5: Teach them about money.

This is one area where parents are severely lacking. Most teenagers and young adults brought up today know very little about the financial world. They don’t know how to balance a checkbook or understand the virtues of saving. This lack of education will cost them severely down the road.

Take the time to teach your children about how credit works, why they should save their money, and how not to become big spenders. If they’re going to be successful in life, then this is one major lesson they need to learn. Don’t just give them everything they want, either, but rather allow them to develop the tendency to earn what they do get.

Being a teacher is one of the most rewards jobs on the planet. There’s no doubt that it’s also one of the toughest. There seems to be a trend as of late to make schooling easier, less complicated, and designed to just push those who have trouble learning through the system. In the end, that does nothing to prepare them for life.

They will go into the world lacking proper problem-solving skills to handle the difficult times. Offer incentives and teach in ways that speak to each individual student. You’ll be amazed at the results and how eager they will be to learn if it’s done in the right way for their brain to interpret.

Written by adminJune 26, 2019

Uncategorized

There were a lot of high expectations for Toy Story 4. It reunites an all-star cast in a time when big sequels and remakes are all the rage in Hollywood. Despite being disappointing by not reaching expectations, the movie did pull in a respectable $118 million during opening weekend and it’s a number the Pixar team should be proud of.

It appears as if sequels have not been doing too well lately. Hollywood’s fix for unoriginal ideas is to keep bringing back the big characters that have sold well before. Disney and Pixar didn’t really need a huge hit on their hands. They still reign supreme currently. Disney was also hoping to push Avengers: Endgame this weekend into the #1 of all time slot.

Toy Story 4 is only the third movie this year to hit triple-digit million-dollar hauls opening weekend and is still a top debut for an animated movie. Also still in the mix is Disney’s “Aladdin” remake, which crossed the $800 million mark. It would appear as if Disney might have way too many hands in the cookie jar currently. Still, Toy Story 4 is a hit.

“Audiences are loving this movie,” said Paul Dergarabedian, a senior box office analyst at Comscore. “That should portend long-term playability for the film. [Pixar] can build on this perception of quality that should carry it forward quite nicely.”

Disney’s Continued Dominance

Currently, Disney films are making up about 30% of the year’s total market share. That’s a lot of money! After their merger with Fox and other dominant outings, Disney is poised to have its best year on record. They’re even responsible for the four largest movies out this year, with Avengers: Endgame, Aladdin, Captain Marvel, and now Toy Story 4. This is all while the year-to-date ticket sales have been average downward.

In the coming weeks and months, we expect Disney to continue pushing out content. With their release of Disney+ later this year, they’re also pushing out their live version remake of The Lion King, Star Wars: The Rise of Skywalker, and Frozen 2. It’s currently all hands on deck for the Disney crew. They’ve spent billions acquiring all of these properties and it has paid off for them in a major way.

“When you’re at the top of your game, that’s the blessing and the curse,” Dergarabedian said. “Everything you do is under a brighter spotlight.”

The problem with Toy Story 4 most likely is a little franchise fatigue. An $118 million opening weekend is far from being a failure, but there is just so much out there right now to choose from, especially with the likes of Godzilla and other mega-franchises still in theaters. Still, Toy Story 4 revealed the best opening of the franchise, so there should be no worries about whether this franchise is still a hit. It is.

Written by adminJune 26, 2019

Mortgage

We’re currently sitting in a market that should be inspiring a real estate frenzy. Consumer sentiment about buying a home is higher than it’s been in five years. Home price appreciation is slowing down. Mortgage rates are slipping to a rate of 3.82%, a two-year low. While these are great numbers, it’s not leading to the kind of excitement it should be.

“We are in an extremely interest-rate-sensitive housing market,” said Daren Blomquist, vice president of market economics at Auction.com. “There’s a lot of hopefulness that cycle will repeat in 2019.” But, it’s just not happening. People aren’t buying home like they would in the past. Mortgage applications have dipped by 2% according to the Mortgage Bankers Association.

A lot of it is gun-shyness from the economy that is still recovering from the last recession. Buying a home is a riskier investment now. Due to rising mortgage rates last year, many Americans decided to get into a ‘rate-lock’ mortgage, so they already have low-interest mortgages and have no need to change it, which would be risky.

“Rates are clearly not the only factor people consider,” said Danielle Hale, chief economist at Realtor.com. While rates have gone down, homeowners are facing prices that continue to be expensive. They’re not seeing the motivation they need to decide to move up and purchase larger pieces of property.

Tax Fallout Hurting Home Buying

Another major issue keeping homebuyers from taking the leap is Trump’s changes to the tax code. The deduction for state and local taxes has been capped, preventing new buyers from getting a lower rate of property taxes. Now that those are moving upward, it’s preventing new buyers from jumping in.

“You’re facing a triple-whammy right now,” said Rick Sharga, a mortgage industry veteran and CEO of CJ Patrick Company, a real estate and financial services consulting firm. “A lot of the financial incentives that a move-up buyer would have had a couple years ago no longer exist.”

In the past year, the median U.S. home listing price jumped from $297,200 last year to $315,000 in 2019. “It’s really difficult to forecast where rates are going to go right now because there’s so much uncertainty,” Hale said. “Anytime there’s a lot of uncertainty that just sets the market up for disappointment.”

Despite the positive indicators, people are scared away from buying a new home. There’s nothing out there right now to push them into that decision. In fact, it hurts them in several ways. Hopefully this will change soon and the market will go back to being a buying frenzy.

Written by adminJune 25, 2019

Politics

In a move that might help push down some of the costs of healthcare, President Trump signed a new executive order yesterday afternoon. In it, he called for hospitals and doctor offices to be more transparent about their prices. The goal is to give patients the opportunity to shop around. If they can compare prices, it might impact where they go to receive care.

Allowing for consumers to shop around, in turn, drives down the market cost. Currently, if you needed an emergency room visit, the costs are hidden from view. You don’t know what you’re getting into until later when you receive the crazy bill. This gives hospitals a marketing advantage as they don’t feel the need to compete with other hospitals. Now they do, which will ultimately help to drive down costs.

“Hospitals will be required to publish prices that reflect what people pay for services,” said President Trump at a White House event. “You will get great pricing. Prices will come down by numbers that you wouldn’t believe. The cost of healthcare will go way, way down.”

Giving Patients Control

Businessman-turned-president understands a thing or two about competition and how to drive down costs. Yet, this executive order doesn’t tell the hospitals how it should be done. In fact, it simply directs the Department of Health and Human Services to start putting together a new policy that hospitals will later be forced to follow.

“The president knows the best way to lower costs in health care is to put patients in control by increasing choice and competition,” HHS Secretary Alex Azar said at a phone briefing for reporters Monday morning. The new rule should also “require health care providers and insurers to provide patients with information about the out-of-pocket costs they’ll face before they receive health care services,” he added.

“Today patients don’t have access to prices or choices or even ability to see quality,” said Cynthia Fisher, founder of a group called Patient Rights Advocate. “I think the exciting part of this executive order is the President and administration are really moving to put the patient in the driver’s seat and be empowered for the first time with knowledge and information.”

New Rules to Be Determined

Again, it’s unknown what rules will be written in this regard, but it’s expected to help drive down costs in five unique ways. Those ways haven’t been revealed yet, but it’s the most comprehensive package designed to lower healthcare costs, much to the frustration of the healthcare industry as a whole.

In fact, the healthcare industry is saying these changes will have the opposite effect and push prices higher.

“Publicly disclosing competitively negotiated, proprietary rates will reduce competition and push prices higher — not lower — for consumers, patients, and taxpayers,” said Matt Eyles, CEO of America’s Health Insurance Plans in a statement. He says it will perpetuate “the old days of the American health care system paying for volume over value. We know that is a formula for higher costs and worse care for everyone.”

“I’m skeptical that disclosure of health care prices will drive prices down, and could even increase prices once hospitals and doctors know what their competitors down the street are getting paid,” said Larry Levitt, senior vice president for health reform the Kaiser Family Foundation, in a tweet.

Written by adminJune 25, 2019

Real life

When you’re Bill Gates, you must constantly feel like you’re on top of the world. As one of the richest men to have ever born, one must wonder how many times Mr. Gates has struck out with an idea. What mistakes or regrets does this man have? At a Venture Capital event earlier this week, the Microsoft founder revealed that very secret.

For most of his career, Gates has been in lockstep with Apple competing on the world stage to create the best technology. The two sides have been fighting for decades, seeing who makes the best stuff. But one area where Gates didn’t jump in is in the phone industry. While Apple is working on putting out the iPhone, Microsoft should’ve been creating one for themselves.

The market was wide open for a non-Apple phone to revolutionize the mobile industry and take on the iPhone. Microsoft could’ve been in the same position that Android is in now. Android currently powers about 80% of the entire non-Apple mobile market. This market share, according to Gates, is worth around $400 billion.

It’s not like Microsoft wasn’t already working on a prototype. They were deeply involved in created a Windows Mobile OS about a year before Android even considered the opportunity. Rather than putting out that phone, Microsoft made a huge mistake. The CEO at the time, Steve Ballmer, apparently had no vision for what would change the world forever. He said the mobile application would have no appeal for businesses because it doesn’t have a keyboard.

Bill Gates’ Deep Regret

Bill Gates knows that he could’ve had the same market share that Android currently has. They could be in that spot right now, but missed out on the amazing opportunity to jump in right when they could’ve. That means they lost out on around $400 billion, making this perhaps one of the greatest all-time blunders in technology history.

“You know, in the software world, in particular for platforms, these are winner-take-all markets. So, you know, the greatest mistake ever is the whatever mismanagement I engaged in that caused Microsoft to not be what Android is, [meaning] Android is the standard non-Apple phone form platform. That was a natural thing for Microsoft to win. It really is winner take all. If you’re there with half as many apps or 90% as many apps, you’re on your way to complete doom,” said Gates.

He goes on about his regret:

“It’s amazing to me, having made one of the greatest mistakes of all time — and there were this antitrust lawsuit and various things that, you know, our other assets, Windows, Office, are still very strong. So, we are a leading company. If we got that one right, we would be the company. But oh well.”

Microsoft did release their Windows Phone in 2010. It was actually fairly functional and worked well, but the world was moving in a different direction. The Windows Phone lacked support for apps, which ultimately resulted in its death. And rather than make the change and dive deeper into the industry, they pulled back and customers flocked to Android.

Later on, Microsoft attempted to correct their mistake by spending $7 billion to acquire Nokia, but that didn’t go anywhere either. At this time, Gates feels it’s too late. There’s only room for one competitor to take on Apple and Google and other industries trying to break through, Microsoft is content to sit back and make their impact felt in other ways.

Written by adminJune 25, 2019

Credit & Debt , Credit & Debt Settlement , Saving

The big mistake is that we’re using misleading language when it comes to retirement.

New employees will be familiar with this: older colleagues incessantly bombarding you with advice to start saving for retirement as early as possible. Personal finance books go on about why it’s essential to save for retirement. Surveys are done and studies get published about how much you should be putting away for your golden years.

Sure, it only seems logical. You’re putting aside money for the future and letting it grow over the years, which is the definition of saving. But the very word ‘save’ has a double meaning. What you’re doing is putting money into an investment portfolio for retirement.

It’s important to acknowledge that you are now an investor, no matter if you have a 401(k) or IRA. You are now putting your money to work for you in the stock market instead of letting it sit stagnant in a savings account.

Call Now 844-332-2079

Avoid Making this Mistake

Make sure that when you are setting up your 401(k) that you are selecting actual investments, and that you are not literally saving into your account. Sure, at the maturation of your policy, you may get a decent lump sum, but it would not be enough to comfortably retire. It would also be a huge discrepancy from what you could make if you properly invest the money and reap the benefits of compound interest.

To do some simple calculations, if you end up putting an average of $500 per month into a 401(k) for 40 years estimating an average 6% market return, you would end up with $933,714.65 upon retirement. But if the money just sat in a savings account it would only yield $240,000 upon maturation based on the market average 0.01% annual percentage yield on their savings accounts. Even with the highest savings rate of 2%, the money in savings would not exceed $370,000.

If you have a 401(k) or IRA, it would be prudent to check in on it, and make sure that your contributions are going into your investment portfolio to maximize your return upon maturation.

Stop Procrastinating and Take Control

One main reason that people often procrastinate about adjusting their 401(k)s is that they don’t understand all their investment options. There are many terms like mid-cap, large-cap which can confuse and intimidate people from confronting what they do not understand.

There is rarely any guidance as to which investments are best for an individual’s risk tolerance or time frame for maturation. So how does one go about learning how to set up an investment portfolio that is aligned with their personal interests?

How to Get Started

The simplest way to make sure you are on the right track is to consider a target-date or life-cycle fund. This is directly related to when you decide to retire and these funds are usually offered in 5 year increments.

You can also set up your fund to start with an aggressive portfolio, and rebalance it to become more moderate and eventually conservative as it approaches the set retirement year. You should start off aggressive and take more risk when you have time to withstand the variations of the stock market

There are those that say that target date funds go hand in hand with higher fees, which takes away from the future you. What that means is that one can end up with an investment portfolio that starts off too conservative, missing out on critical returns in the first few years.

Whichever method you choose, make sure that your money is being invested and not saved in a retirement account. If you need any other financial advice, feel free to reach out to the Financial Helpers. We are ready to assist you.

Call Now 844-332-2079

Written by adminJune 21, 2019

Travel

If you’re one of the thousands of people who live life out on the road, you may find it’s quite difficult to keep up with your workout. You can’t necessarily take your equipment with you. Not to mention, traveling takes a lot out of a person, so it can be incredibly difficult to remain motivated on any workout regime.

There are several steps you can take to stay ahead of the game, even when stuck in your hotel room. All it takes is a little ingenuity and a will to succeed and you’ll be working out in no time! Jet Lag or no jetlag.

Step #1: Take Advantage of Hotel Amenities

Believe it or not, a lot of hotels, especially the larger chains, are prepared to take care of ALL their customer’s needs. They have pools, restaurants, bars, and even a fitness room! Many come with stationary bikes, treadmills, and everything else you need to stay in shape while away from home. It will pay to do your research ahead of time to find the hotels that can meet your needs.

Step #2: Gym Membership

If you have access to transportation, such as a rental car or are able to hail a cab, there are several gym memberships that allow you to visit ANY gym in their network. For example, Planet Fitness has a Black Card membership which lets you not only bring in friends to work out with you for free, but gets you in the door at every Planet Fitness in the world. So if you enjoy having a gym membership and find yourself traveling to the same areas, it wouldn’t hurt to look for a gym where you could work out at both places.

Step #3: Swimming Laps

Swimming is perhaps the greatest workout there is. You can work every muscle in your body and burn a tremendous amount of calories without stressing out your joints. Lucky for you, just about every hotel has a pool for your convenience. Even the less-than-desirable motels have pools. If you’re headed to a cold winter climate, be sure to check ahead of time for indoor pools that let you get your swim on.

Step #4: Going for a Walk

There’s no better workout substitution than going for a nice walk. You may not know the city or town you’re stuck in, but odds are, you’re in a hotel with long hallways and stairways. It’s safe and more than capable of pumping up your heart rate. If you don’t feel comfortable going for a walk in the hotel, perhaps there’s a mall or shopping center near where you’re staying. Those are great locations to burn off a big meal.

Step #5: Workout in Your Room

If you bring a computer with you on the road, do you have enough space in your bag to add a few workout DVDs? Space in your room may be limited, but that shouldn’t prevent you from being able to do some light workout or even strike a few Yoga poses. If the room doesn’t have a DVD player, you can buy a small portable one or just stick it in your computer to watch. Also, if you have internet access, you can watch free workout videos on YouTube.

Step #6: Lightweight Equipment

Unless you have ZERO room in your bag, there are a few small pieces of workout equipment you can take with you. But some take up virtually no space at all. For example, resistance bands. They are nothing more than a large rubber band that provide resistance equal to lifting weights and building muscle. If you do have the room, you can get arm and ankle weights. Every little bit helps.

Written by adminJune 21, 2019

Life Style

One of the ways used to determine how well the economy is going is by looking at charitable giving. A lot of Americans feel quite charitable and give regularly. Maybe they tithe to their church or help support a soup kitchen or any of the thousands of charities out there. It appears as if 2018 saw a massive drop in such giving to charities.

In fact, this was the largest drop in charitable giving since the 2008-2009 Great Recession. Part of the slip in giving is due to the tax policy changes that happened that year. It was a 1.1% drop from 2017. While that might not seem like a lot of money, it totals out somewhere around $3 billion less than 2017. This is according to data from The Giving USA report.

It was an interesting year. The new tax cuts were put in place, but hardly anyone noticed until it was tax time. The economy was strong and wages have started to rise, but the stock market was volatile. While individuals didn’t feel it was a good time to give, big corporations, who received the largest part of this tax cut, actually improved their giving by 0.7%.

Reason for the Drop

Experts say the reason why charitable giving fell in 2018 is the new tax change. It doubled the standard deduction. 45 million households in 2016 itemized their deductions, but because the new tax law already doubled it, they didn’t feel the need to donate money to increase it themselves. It ultimately lowered the incentive often given for charitable giving.

“Whenever there’s a major tax policy change like that, it has an effect.” said Rick Dunham, chair of Giving USA Foundation, which publishes the annual report. It is researched and written by the Indiana University Lilly Family School of Philanthropy.

Stacy Palmer, editor of the Chronicle of Philanthropy, a magazine that covers the nonprofit world, said, “The changes would have relatively less impact on charities that rely on wealthy donors, and greater impact on social-service providers and other charities that get broad support from middle-class Americans. Charities who depend on them are really worried,” said Palmer.

Impact on Charities

While charitable giving is down overall, the full impact of this loss won’t be realized until later this year. Groups like United Way don’t release their financial year numbers until later. But it’s known that about 90% of the money they receive is from workplace campaigns. They’re already starting to see challenges, including competition from websites like GoFundMe.

Religious giving is also down. A lot of that has to do with the controversy surrounding the Catholic church and the lower number of people who identify themselves as religious. But it’s not just religion, as overall giving for educational foundations and society benefits are also down, revealing a larger overall problem.

At the same time, giving was up for some sectors. It was found that environmental and animal-welfare type nonprofits did see an increase in donations. Even some international affairs saw an increase, but overall nonprofits saw the largest increase. We’ll find out more information about how the tax law impacted charities later this year.

Written by adminJune 21, 2019

Entertainment

Do you consider yourself a grill master? How good are you with ribs? If you can hang as one of the best grilling chefs in America, then you might get to join Reynolds Wrap in a journey across the United States this summer. It’s only for a few weeks, but the pay is solid at $5,000 per week. This is a deal I don’t think anyone can pass up!

Reynolds Wrap has officially stated that they’re looking for their next “Chief Grilling Officer.” If that Chief Grilling Officer is you, then the company will let you choose a friend to join you on the quest of finding the best BBQ ribs in America. They don’t just pay $5,000 per week (in the form of a $10,000 stipend), but also all your lodging and transportation costs.

Now, you may be chomping on the bit to take this job, but it’s not for the faint of heart. You’d be asked to eat A LOT of BBQ ribs over a two-week period. If you can handle it, then the role of Chief Grilling Officer can be all yours! The contest would have the CGO traveling the country and looking for the best rack of ribs in America.

“If you don’t mind being paid to taste test some of the most delicious BBQ ribs across the country, posting envy-inducing pictures of your food and falling asleep every night dreaming about your next rack of ribs, then you could have what it takes to be the next Reynolds Wrap Chief Grilling Officer,” Reynolds Wrap said in a statement.

Genius Marketing Stunt

There are a lot of ways of using Reynolds Wrap foil when barbequing, especially when grilling a rack of nice ribs. A marketing stunt like this, sending the Chief Grilling Officer to find the best ribs in America, is surely done to promote their brand and how amazing chefs, grillers, and smokers across the land use Reynolds Wrap foil for their tasty food.

In order to qualify to be chosen, Reynolds Wrap is asking each contestant to send in a photo that shows them grilling and using their products. They’re also asking for a 100-word essay that explains why you should be the Chief Grilling Officer. But you must hurry! The deadline for this contest is coming up soon!

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