While Cinco de Mayo would usually mean colorful parades, a copious amount of drinking, and enjoying the fresh spring time air with your buddies, May 5th is unfortunately going to have to be celebrated indoors for a majority of Americans. Luckily, Mexican restaurants everywhere are determined to celebrate the day of Mexican independence regardless of quarantine. Across the country, restaurants both big and small are offering amazing deals to keep the party rolling. Here are some of the best deals you're gonna get tomorrow.

Taco Bell

Taco Bell "At Home Taco Bar"

The fast food chain has just launched its new At Home Taco Bar campaign in an effort to satisfying your Locos Tacos addiction, and on Cinco de Mayo they're upping the ante. For tomorrow only, their best offer serves six people and includes 8 flour tortillas, 12 Crunchy Taco shells, and 6 oz. of nacho chips. But what would tacos be without toppings? The order additionally includes a toppings bar with shredded lettuce, refried beans, nacho cheese sauce, cheddar cheese, diced tomatoes, sour cream and their signature Hot Sauce packets. While they can't legally deliver liquor to your door, Taco Bell's "Taco Bar" also offers a series of recipe cards that provide instructions on how to make trendy cocktails. At only $25, this is the best bang for your buck if you're strapped for cash.

Chipotle

Chipotle Obama

The other Mexican fast food chain has another amazing deal for those strapped for cash. With the purchase of any entree on May 5, the insanely popular chain will include a free Queso Blanco dish, with free delivery to boot.

Bartaco

Bartaco

The Mexican restaurant is having an "all-day virtual cinco celebration" tomorrow on Instagram. The 24-hour-fiesta will offer a slew of fun activities from cooking demonstrations to a live online yoga class and DJ set. The popular also promises "special surprises along the way."

Price Chopper

Price Chopper

The grocery chain is doing a slew of amazing discounts on Cinco de Mayo goods in honor of the beloved holiday. The deals include a $15 chicken meal for four, among other amazing discounts.

Bahama Breeze Island Grille

Bahama Breeze

Bahama Breeze is set to host a Cinco de Mayo Happy Hour Facebook Live event at 5 PM tomorrow. The special event will feature live music from Patrick Simpson, and song requests will be granted to those who chime in. Additionally, customers will be offered a "Happy Hour Bundle" of drinks and a 15% discount order on food and non-alcoholic drinks through the end of May 17.

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It's easy to forget that the presidency of the United States is a government job just like any other–in that it comes with a stipulated salary and benefits.

But regardless of their bombastic rhetoric or self-serious public image, politicians are like all other government employees. The president, vice president, and legislators earn an annual income from the government in exchange for their duties, which include: executing/circumventing the law, upholding/withholding the civil liberties of American citizens, and legislating/sabotaging how societal institutions meet the needs of citizens, from healthcare to education.

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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.

When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.

Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.

Federally backed mortgages include:

  • Fannie Mae
  • Freddie Mac
  • The Federal Housing Administration (FHA)
  • The US Department of Veteran Affairs (VA)
  • The US Department of Agriculture (USDA)

Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.

Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.

Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.

Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.

At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.

Possible Repayment Options:

You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.

Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.

For example:

Regular payment: $1000 per month

Reduced payment: $500 per month

Payment after forbearance period: $1500 (until caught up)

Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.

Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.

The Next Steps:

Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.

Have questions ready to ask. Here are some questions you should be asking:

  • What fees are associated with the forbearance?
  • What are all the repayment options available to you at the end of the forbearance?
  • Will you be charged interest during the forbearance period?

If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.


For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.