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Rented in Atlanta for a year, assumed a loan from another service member in 1980 in Dayton, Ohio, when interest rates were 17 percent. Spent six years in Guam and lived in government housing and then moved to Springfield, Va., when assigned to the Pentagon in 1990.

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If you owe and can’t pay, just call the IRS and set up a payment plan. Read: If you can’t pay what you owe the IRS by Tax Day, here’s what to do Then go to and read: What if I can’t pay my taxes? — Red flags that your tax preparer is a fraud — Get a tax refund every year? Color of Money question of the week Have you fallen prey to a tax debt relief scam? In the subject line put “Tax Time.” Live chat today I’m all yours today. Please join me today at noon (ET) when I’ll be live taking your personal finance questions. Black homeownership is as low as it was when housing discrimination was legal.

The regression in black homeownership is disturbing to me.

It seems that once again, our institutions need to focus on how to help people think critically and make wise choices.

Also, if you couldn’t pay your tax bill, were you able to get help from the IRS? Black homeownership rates were rising before the housing crisis.

Almost 50 percent of African Americans owned homes. “From 2000 to 2015, that gain was more than erased as forces within and beyond the housing market aligned to reduce the black homeownership rate to 41.2 percent,” according to Urban Institute researchers.

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