If you have more than one automobile in your household, and it is not being used right now, you can put the car on storage only coverage for meaningful savings. Remember that any vehicle with storage coverage is not street legal and may not be parked on the road.

Read this article or reach out to your insurance company for more information.
https://www.thebalance.com/storage-insurance-for-cars-3572245

HEAP is a Federally-funded plan that assists low-income homeowners and tenants in paying for utility and heating bills.

In NYC, the Heating Aid application period has been extended until April 20, 2020.
https://www1.nyc.gov/site/hra/help/energy-assistance.page

To apply in NYS (not including NYC):
https://otda.ny.gov/programs/heap/

The Massachusetts Department of Revenue has extended the due date for personal income tax returns and payments from April 15, 2020 to July 15, 2020. ( This is only for personal tax returns.

https://www.mass.gov/info-details/important-covid-19-coronavirus-response-update-from-dor

All Sales Tax returns and payments expected during the period beginning March 20th and ending May 31, 2020 are suspended. All such returns and payments are now due on June 20, 2020.

This postponement does not apply to marijuana retailers, marketplace facilitators, or vendors selling motor vehicles. Such vendors are expected to file returns and make payments following the standard rules for those industries.

https://www.mass.gov/info-details/important-covid-19-coronavirus-response-update-from-dor

New York State is now allowing residents eligible under the Pandemic Unemployment Assistance Program to apply via the state. This includes previously ineligible applicants, including the self-employed and independent contractors.
https://www.labor.ny.gov/ui/cares-act.shtm

To see if you’re eligible for Pandemic Unemployment click below https://www.labor.ny.gov/ui/pdfs/pandemic-unemployment-assistance.pdf

New York State is waiving the 7-Day waiting period for Unemployment Insurance benefits for people who are out of work due to COVID-19 closures or quarantines.

New York State has instituted a filing method based on your last name.
https://applications.labor.ny.gov/IndividualReg/

New York State employees can receive partial Unemployment Insurance benefits while working decreased hours.
https://www.labor.ny.gov/ui/employerinfo/shared-work-program.shtm

The Federal government has stated that the following individuals are now eligible for Unemployment.

(1) An employer temporarily halts operations due to COVID-19, restricting employees from coming to work; (2) An individual is quarantined with the expectation of returning to work after the quarantine is over; and (3) An individual leaves employment due to a risk of exposure or infection or to care for a family member. Also, federal law does not require an employee to quit in order to receive benefits due to the impact of COVID-19.
This is a directive to the States only. The Federal government does not offer Unemployment Insurance. Instead, you must file through your state.
https://www.dol.gov/newsroom/releases/eta/eta20200312-0

Coronavirus Aid, Relief (CARES Act) Unemployment:
The CARES Act extends eligibility for unemployment insurance for those who are displaced due to COVID-19 in several ways. Workers that are not eligible for this program are those that telework with pay or are accepting paid sick days or paid leave. Workers must be authorized to work to qualify for this program, meaning that undocumented folks will not be eligible. The state will administer benefits.

Federal Unemployment Benefits– From March 27, 2020 through July 31, 2020, everyone filing for unemployment will get their usual calculated benefit plus an extra $600 per week in compensation for up to four months (the $600 per week applies regardless of what your wages were). This includes those who are getting a partial unemployment benefit check. It may be paid together or independently from your regular unemployment check, but both will be paid weekly. The additional $600 is not income for purposes of eligibility for either Medicaid or CHIP but is considered taxable income. You do not need to file separately for these additional benefits. You will be automatically eligible if you are currently on your state’s unemployment program.

Modifications to State Unemployment Benefits- The Act also provides an additional 13 weeks of state unemployment benefits (the total benefit may not continue beyond 39 weeks), which will become available after someone depletes all their regular state unemployment benefits. To receive additional weeks of benefits, workers must be actively involved in searching for work. The bill explicitly allows a State to provide flexibility in meeting such work search terms, incase individuals are unable to search for employment due to COVID-19, including because of illness, quarantine, or movement restriction. The program defers the one-week waiting period established by state unemployment laws.
The Act includes a specific section related to non-profit organizations, which allows these organizations to be reimbursed for half of the costs incurred through the end of 2020 to pay unemployment benefits.

Pandemic Unemployment Assistance– This program will provide income support to various workers who do not meet the traditional requirements of the state unemployment benefit systems in this country. Those eligible include self-employed workers, including independent contractors, freelancers, workers seeking part-time work, and workers who do not have a long-enough work history to qualify for state unemployment benefits. The program will run from January 27, 2020 (will be retroactively applied) through December 31, 2020. The minimum benefit will be equal to one-half of the state’s average weekly unemployment benefit.
Workers will need to apply for PUA through their state unemployment offices.
Eligibility:
Verify that they are partially or fully unemployed
Verify that they unable and unavailable to work because:
They have been diagnosed with COVID-19 or have symptoms of it and are seeking a diagnosis
A member of their household has been diagnosed with COVID-19
They are providing care for someone diagnosed with COVID-19
They are providing care for a child or other household member who can’t attend school or work because it is closed due to COVID-19
They are quarantined or have been advised by a health care provider to self-quarantine
They were scheduled to start employment and do not have a job or cannot reach their place of work as a result of a COVID-19 outbreak
They have become the breadwinner for a household because the head of the household has died as a direct result of COVID-19
They had to quit their job as a direct result of COVID-19
Their place of employment is closed as a direct result of COVID-19
They meet other criteria established by the Secretary of Labor

North Bergen:
Residential, meter and street sweep enforcement is suspended until further notice.
http://www.northbergenparkingauthority.com/

Newark:
Enforcement of parking violations to only those that pose public safety hazards until Tuesday, March 31, 2020. All other parking violation enforcement is suspended until that time.
Street cleaning will also be suspended for the same period.
https://npd.newarkpublicsafety.org/covid19/traffic_towed_vehicles

Jersey City:
Parking regulations are suspended until further notice. That indicates street cleaning, residential zone parking, and meter rules will not be enforced during the current COVID-19 health emergency.https://www.jerseycitynj.gov/CityHall/PublicSafety/Parking

NJ has recently passed legislation to ensure all Medicaid recipients receiving a medically necessary Coronavirus test should not incur any costs. All co-pays will be waived for this purpose.

https://nj.gov/humanservices/documents/covid/CertificateofWaiver.pdf

Governor Murphy has announced the following mortgage relief to mortgage borrowers impacted by the COVID-19. The directive includes:
A 90-Day Grace Period for Mortgage Payments

Financial institutions will offer, consistent with applicable guidelines, mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19. In addition, those institutions will:
Provide borrowers a streamlined process to request a forbearance for COVID-19-related reasons, supported with available documentation;
Confirm approval of and terms of forbearance program
Provide borrowers the opportunity to seek additional relief, as practicable, upon a continued showing of hardship due to COVID-19
No Negative Credit Impacts Resulting from Relief
Moratorium on Initiating Foreclosure Sales or Evictions
For at least 60 days, financial institutions will not initiate foreclosure sales or evictions, consistent with applicable guidelines.
Relief from Fees
For at least 90 days, financial institutions will waive or refund at least the following for customers who have requested assistance:
Mortgage-related late fees
Other fees, including early CD withdrawals (subject to applicable federal regulations).

Governor Murphy secured support from Citigroup, JPMorgan Chase, U.S. Bank, Wells Fargo, and Bank of America, in addition to over 40 other federal and state-chartered banks, credit unions, and services to protect New Jersey homeowners. More financial institutions are presumed to sign on in the coming days. The New Jersey Bankers Association, CrossState Credit Union Association, and the Mortgage Bankers Association of New Jersey have endorsed this initiative. They are supporting all their members to adopt these policies.
Call your mortgage provider to find out if you qualify.

https://nj.gov/governor/news/news/562020/approved/20200328c.shtml

Statewide:

Governor Newsom from California signed an Executive Order that authorizes (does not command them to but allows for) regional governments to stop evictions for renters and homeowners and delay foreclosures for Californians affected by COVID-19. (The order does not relieve a tenant from the responsibility to pay rent, or restrict the landlord’s ability to recover rent that is due.) Eviction protections are in effect through May 31, 2020, unless stretched.

https://www.gov.ca.gov/2020/03/16/governor-newsom-issues-executive-order-to-protect-renters-and-homeowners-during-covid-19-pandemic/
https://www.gov.ca.gov/wp-content/uploads/2020/03/3.16.20-Executive-Order.pdf

Click on the mortgage tag below to see additional mortgage relief available.

Los Angeles:
The Mayor of Los Angeles issued emergency moratoriums on evictions of household and commercial tenants in the City of Los Angeles during the local emergency period, if the tenant can show an inability to pay rent due to circumstances related to the COVID-19 pandemic.

https://www.lamayor.org/mayor-garcetti-orders-new-restrictions-evictions-announces-indefinite-moratorium-water-and-power

San Francisco:
Mayor Breed from San Francisco announced an Executive Order imposing a temporary moratorium on eviction for non-payment of rent by household tenants directly impacted by the coronavirus crisis.

https://sf.gov/news/about-citys-temporary-moratorium-evictions

San Diego:
The City Council from San Diego announced plans to take immediate action on a temporary eviction moratorium to give relief to residents and businesses facing financial difficulty related to the COVID-19 outbreak.

https://www.sandiego.gov/mayor/news/releases/mayor-council-president-take-aggressive-steps-provide-eviction-relief

Santa Clara:
The City Council from Santa Clara announced a statute establishing a temporary 45-day moratorium on evictions for the non-payment of rent and no-fault evictions for household tenants with incomes affected by the coronavirus.

https://santaclara.legistar.com/LegislationDetail.aspx?ID=4400605&GUID=6684BF19-DA21-44A4-A607-996E2C477808&Options=&Search=