Monthly Archives: September 2022

How to get out of credit card debt

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woman crushed by huge credit card

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You may be feeling a bit overwhelmed by your credit card debt, especially if you’ve made the choice to tackle it head on. Credit card debt can seem like a cumbersome challenge to face, especially because everyone’s situation is unique. But by familiarizing yourself with strategies to pay off debt and breaking your approach down step by step, Universitas Alma Ata Bantul it becomes palatable. Here are some best practices for curbing your spending and hatching a practical, actionable plan to pay off your credit card balances.

Figure out how you got into credit card debt

One of the most important steps to getting a handle on credit card debt is to understand what got you into debt in the first place. Otherwise, you may end up in the same boat soon after paying off your current card balances.

Brittney Castro, a certified financial planner for the finance app, believes bad habits often stem from a lack of financial literacy. “College students are often offered a credit card on campus or apply for multiple credit cards online, thinking they are more or less free money,” she says. “What they aren’t told is if the balance is not paid off in full every month, they will be charged the credit card’s APR (interest rate) on their balance (the money spent using the card), which can sometimes be as high as 29.99%. This can quickly spiral into a debt balloon.” 

To avoid this situation, it’s important to know . Credit comes in handy in many situations, but the convenience could cost you. The longer you carry a balance, the more you will pay in interest charges. “Proper and smart credit card habits include making payments on time and paying off the full balance every month,” she says. “In other words, only charge it if you can afford it.” 

Build a budget

There are plenty of reasons why you may be in over your head with credit cards. You may not be aware of how much you actually spend. Or you had an emergency, but no emergency savings fund to draw on, and paid with your card instead. Regardless of the reason, knowing how much money comes in — and goes out — is essential to taking control of your finances. Creating a budget to rein in spending and pay down your debt is crucial. 

Plain and simple, credit card debt is the result of spending more than you can afford to pay back. A good budget could take some time to set up, but will ultimately act as a visual tracker of your financial status. To build a budget, create an income category by adding up all the money that comes in each month. Then categorize and add up all your expenses. Budgeting apps do most of the heavy lifting. Some of the most popular are:

  • , aka You Need a Budget

Once you’ve set up a budget, ask yourself the following questions:

  • Are my expenses more than my income? If you’re spending more than you make, you have two options: cut back on your expenses or pick up extra hours at work (or a side hustle) to bump up your earnings.
  • Am I setting aside any money towards an emergency fund? Growing a rainy day fund could help you avoid turning to credit cards in an emergency. 
  • Could I lower my spending? Take a look at your spending for ways to cut back, such as dining out less or canceling some subscriptions. Send the money you save towards paying off your credit cards faster. 
  • How much do I owe? Figure out the current balances on each of your credit cards to decide how much you owe and how long you’ll need to pay them off.
  • How much interest am I paying? Determine how much of your card payments go towards interest and take note of the cards with the highest interest rates.

Choose a debt payoff strategy

Once you’ve made a budget and have an idea of how much credit card debt you need to pay off, it’s time to start whittling away at it. There are a few ways you could approach debt payoff. Some of the most popular methods to get out of credit card debt are:

The avalanche method

If you have more than one credit card to pay off, the avalanche method saves you the most money, since you’re paying off your most expensive debt first. Start by allocating the most money towards the credit card with the highest interest rate and make sure you’re paying at least the minimum on all the other cards. Once you’ve paid the balance off on the highest-interest credit card, focus the funds on the next-highest-interest card and so on.

The snowball method

The opposite of the avalanche method is the snowball method. It uses momentum to keep your debt payment plan going. Pay off the smallest balance first and build on your success until you pay off the card with the highest balance. Hide your cards as you pay them off to avoid the temptation of spending again.

Pay more than the minimum

A general way to get out of credit card debt is to pay more than the minimum for your card each month. Otherwise, it could take years to get rid of a balance. For example, paying the monthly minimum of a $5,000 balance at 17% APR can take ten years and cost a total of $10,000. 

In addition, carrying high balances could significantly affect your since credit utilization weighs heavily. Carma Peters, CEO of , says, “The largest negative impact on your credit score is keeping a balance that exceeds more than 50% of your limit.” The sooner you pay down your balance, the faster you can rebuild your credit.

Balance transfer card

Certain credit cards offer enticing signup bonuses such as a low introductory rate for . If you have good credit, you may qualify for a card offering balance transfers at . Taking advantage of a balance transfer can buy you time to pay off a high balance for free. Just make sure you’re able to pay the balance in full before the term ends, or you could get hit with interest for the remaining amount, or worse, the full transferred balance.

Debt consolidation loan

If you’re juggling several credit cards, the best plan may be to take out a for the total you owe on all credit cards. You’re essentially into one loan to save considerably on interest.

The average credit card interest rate hovers around 16%. In comparison, a debt consolidation loan’s APR is around 6%. That’s a big savings. However, your credit score could affect your interest rate — and the chances of getting approved for a loan.

Debt counseling program

Debt counselors can work with you on creating a repayment plan, as well as give you advice on how to manage your finances. Keep in mind that most debt counselors are fee-based. Depending on your financial situation, it may be better to DIY debt repayment and apply the fee you’d pay a counselor towards your credit card debt.

Hardship assistance programs

If you’re struggling with the bills and experiencing financial hardship, contact the card issuer. Creditors typically have hardship assistance programs available that could waive certain fees, or defer your payments for a few months.

Consider debt settlement or bankruptcy

Debt settlement and bankruptcy are two additional ways to get out of credit card debt. The trouble is, they will likely affect your credit score. Brian Dechesare, a former banker and founder of , warns that these methods should be used as a last resort. “You should only consider both in extreme situations when you’ve exhausted all other options and can’t make ends meet to pay,” he says. 

Debt settlement

Contacting the creditor to negotiate a lower balance can help you get out of credit card debt if you have a larger balance. According to Dechesare, “Most lenders will only consider a debt settlement if the debt is over $10K, so for smaller debts, you may be better off consolidating or paying it off.” 

You could get as much as half forgiven, but it comes with lasting consequences. Dechesare says, “debt settlement could drop your credit score by 100 points and will stay on your record for seven years.”

Bankruptcy

For extreme financial hardship, bankruptcy can help you wipe your slate clean. The moment you file, you’ll get instant relief from creditors. If the court grants you a bankruptcy discharge, you’ll no longer be obligated to pay your debts. However, there are drawbacks worth noting. You’ll be required to attend credit counseling before filing. It can be expensive when you account for filing fees and a bankruptcy attorney. If your debt is discharged, the bankruptcy will be public record and remain on your credit report for seven years, as well as send your credit score plummeting.

Review your finances regularly and set goals

Once you’re out of debt or on your way to being credit card debt-free, it’s important to establish healthy financial habits to keep you from slipping. Sticking to your budget will be vital. You may want to do an annual review of your spending and make budget adjustments. In addition, prepare for unexpected expenses by putting money into an emergency savings account. Lastly, set goals and stick to them. Saving a down payment for a house or establishing a retirement fund is a great way to keep your eye on the prize and your spending in check.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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U.S. tech-focused hedge funds brace for heavy losses amid market slide

By Svea Herbst-Bayliss and Carolina Mandl

NEW YORK, Sept 15 (Reuters) – U.S.hedge funds that focus broadly on technology investments are bracing for heavy losses this year as gloomier economic data sparked a fresh selloff this week, shrinking hopes of clawing back any significant ground in coming months.

For fund managers, including those gathered at one of the industry’s biggest conferences in New York, MINIBOLA any optimism from last week’s market rally was sapped by a fresh sucker punch on Tuesday as the S&P 500 slid 4.3%.Many funds were already sitting on declines of 30% or more.

Speakers at a panel on the state of the industry at the SALT New York 2022 conference urged investors to stick with their bets, arguing the downturn could become a money making opportunity.

But off stage, the mood was darker.

“It will take a lot of work to get out of this hole,” said David Moon, managing director at Symmetric.io which tracks hedge fund managers’ investments and returns.

Even before this week’s decline, funds that bet on technology and health care stocks were feeling the pain. Whale Rock Capital Management LLC’s main fund tumbled 38% through August while HMI Capital Management dropped 39% in the first eight months of the year.Casdin Capital was off 50% and SoMa Partners was off 31%.

Other prominent fund managers, including some who got their start with the recently deceased Julian Robertson, credited with helping pioneer making money when stocks fall, are also in the red.Coatue Management lost 17% in the first eight months of the year while Maverick Capital is off 27% through August.

Representatives for the funds declined to comment.

“I’ve been through 9 bear markets and they absolutely suck,” said Anthony Scaramucci, managing partner of investment firm SkyBridge Capital and founder of the three-day SALT conference.

The broader S&P 500 Index fell 17% through August while the average hedge fund dropped 4% through August according to Hedge Fund Research (HFR).The HFR technology and healthcare index is down roughly 15%.

Goldman Sachs reported that hedge funds stocked up on tech stocks again last week, making it the most robust buying spree in the sector in seven months.

For many of these funds this year’s losses come after a string of strong returns fueled by a decade long bull market, investors and fund managers said.

And not all hedge fund are faring poorly this year.

Citadel reported that its Wellington fund returned 3.74% in August, bringing its year to date returns to 25.75%.DE Shaw, in its Composite fund, reported a 20% gain to investors. Representatives for the firms declined to comment.

At the SALT conference, poor returns were top of mind, as the focus of the conference also shifted from hedge funds to crypto investments.

Many of the prominent investors who appeared over the years, including Steven A. Cohen, Daniel Loeb, and Ray Dalio were absent. Private concerts and pool-side parties that featured when the conference was held at the Bellagio in Las Vegas were replaced by buffet lunches with pasta, tacos and salad at the cavernous Jacob K.

Javits Convention Center in Manhattan.

Two hedge fund executives who skipped SALT this year told Reuters they were worried about the optics of paying thousands of dollars for a ticket at a time investors were withdrawing capital from their firms.

Greg Jensen, co-chief investment officer at Bridgewater Associates, one of the world’s biggest hedge funds founded by Ray Dalio, echoed the more somber tone.Financial markets had not fully priced the prospect of a recession, he warned, just hours before the market tumbled on Tuesday and slipped more on Wednesday. (Reporting by Svea Herbst-Bayliss and Carolina Mandl; editing by Richard Pullin)

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Abortion Laws: Where Will Abortion Appear on the Ballot in November?

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For more information about your reproductive health rights and related federal resources, you can visit the US government’s site.

The Michigan Supreme Court ruled Thursday that a ballot measure that would enshrine abortion access in the state constitution must be added to the November ballot.

The 5-2 decision came just one day before the deadline to finalize the state ballot, The Board of State Canvassers had been deadlocked on certifying the more than 750,000 signatures gathered to get the Michigan Right to Reproductive Freedom Initiative on the ballot, forcing the state’s highest court to step in. 

Michigan is one of several states putting abortion on the ballot this fall after the US Supreme Court’s ended the federal right to an abortion. Voter initiatives in Kentucky and Montana could further restrict abortion access while those in Vermont and California could codify abortion protections in their state constitutions.

On Aug. 2, that would have removed state protections for abortion. 

Read on to learn about upcoming ballot initiatives and abortion laws in all 50 states. For more on reproductive rights, visit the US Department of Health and Human Services .

Which states have abortion rights on the ballot on Election Day?

Woman holds up "I voted" stickerWoman holds up "I voted" sticker

In the wake of Roe being overturned, abortion rights are on state ballots in November.

Getty Images

CaliforniaA “yes” vote on Proposition 1, the , would amend the state constitution to read that the state cannot “deny or interfere with an individual’s reproductive freedom in their most intimate decisions,” including the choice to have an abortion or to choose or refuse contraceptives.

If it passes, Proposition 1 would go into effect five days after the vote is certified.

Should the measure, endorsed by Gov. Gavin Newsom and Democratic lawmakers, fail, abortion would remain protected under current California law.

The California state constitution already guarantees a right to privacy, which the California Supreme Court has ruled includes the right to have an abortion.

KentuckyRepublican lawmakers, who have a majority in both houses, added Amendment 2 to the ballot, which asks voters to support changing the Kentucky Constitution to state that it does not “secure or protect a right to abortion or require the funding of abortion.” 

Kentucky’s trigger law already bans most abortions in the wake of Roe being overturned. But while that law could be appealed, “the constitutional amendment would not be,” University of Louisville political science professor Dewey Clayton . “The governor doesn’t even have the authority to veto that.”

If passed, the amendment would go into effect immediately after the State Board of Elections certifies the results of the Nov. 8 elections.

MontanaWhile abortion remains legal in Montana, Legislative Referendum 131 would extend legal personhood to infants at any stage of development who are “born alive” — defined as breathing, having a heartbeat or voluntary muscle movement.

Failure to provide medical treatment in such an instance could come with punishments of up to $50,000 and 20 years in prison.If it passes, LR-131 would go into effect on Jan. 1, 2023.

VermontA state constitutional amendment before voters would enshrine individuals’ rights to “personal reproductive autonomy,” including decisions about pregnancy, contraceptives and abortion.

Should it pass,  would become effective on Election Day, Nov. 8. If it fails, abortion still would remain legal in Vermont.

MichiganIntroduced by Reproductive Freedom for All, the  would establish an “individual right to reproductive freedom” including decisions about contraception, sterilization, infertility, pregnancy, abortion, miscarriage, childbirth and postpartum care.

It would also ban the prosecution of anyone having a legal abortion or assisting in the procedure. It would allow for laws regulating the termination of a pregnancy after the point of viability, except in cases where the patient’s physical or mental health was endangered.

What are the abortion laws in your state?

With the Dobbs decision overturning Roe v. Wade, abortion laws vary greatly from state to state. Nearly a third of American women have lost access to abortion and, if courts lift injunctions blocking abortion bans in various states, that percentage would rise to 36%, .Below are the latest regulations in all 50 states, as well as in Washington, DC, and Puerto Rico. New laws and legal challenges are expected, so check with for the most up-to-date information.

Alabama

Passed in 2019, Alabama’s  bans almost all abortions, except in cases of life-threatening pregnancies. The law had been put on hold due to legal challenges but will likely go into effect with Roe v. Wade being overturned.

Until the law’s current injunction is overruled, abortions are prohibited after 22 weeks of gestation. The state also requires counseling, ultrasound, Jasa pembuatan pt tangerang a 48-hour waiting period and parental consent for minors.

Alaska

Abortions are fully legal in Alaska, though state-directed counseling is required, as is parental consent for minors. The Alaska Supreme Court ruled that abortion is protected by the state constitution.Alaskans will  whether to hold a constitutional convention as a path toward banning abortion in the state. 

Arizona

A law signed by Republican Gov. Doug Ducey in March bans abortions after 15 weeks of pregnancy except if necessary to save the mother’s life. Physicians performing abortions face felony charges and loss of their professional licenses.

The statute is slated to take effect 90 days after the legislature adjourns its 2021-2022 session.

Arizona Attorney General Mark Brnovich says  predating Arizona statehood and mandating prison time for abortion providers is in effect now and supersedes the newer statute. Ducey has said the newer statute takes precedence. On July 13, Brnovich filed a lawsuit with the Pima County Superior Court, asking to , which bans all abortions.

Previously, Arizona allowed abortions until fetal viability, approximately 24 to 28 weeks. Arizona requires state-directed counseling, ultrasound, a 24-hour waiting period and parental consent for minors.

Arkansas

A 2019 law, , makes providing an abortion a felony, punishable by up to 10 years in prison or a fine of up to $100,000. There are exceptions in cases of life-threatening pregnancies. 

California

Abortion in California is legal until the point of fetal viability.

In 2002, the California Legislature  that prevents the state from denying or interfering with a woman’s right to obtain an abortion up to that point, or when an abortion “is necessary to protect the life or health of the woman.” 

Democratic Gov. Gavin Newsom has pledged to make California an abortion sanctuary state, establishing it as a haven for people who need access to abortion, whether they live in California or not.  

A referendum on the November ballot would enshrine the right to abortion and access to contraception in the .

Colorado

Colorado allows abortion until fetal viability, though parents of minors must be notified.In 2020, voters rejected a ban on abortions after 22 weeks. In April 2022, Colorado lawmakers passed , codifying protections for reproductive care, including abortion, and ensuring that fertilized eggs, embryos and fetuses don’t have the rights of personhood under Colorado law.

Connecticut

Connecticut allows abortions only up to the point of fetal viability unless necessary to preserve the woman’s life or health. Patients under 16 can obtain an abortion after receiving counseling from a nurse or clinician.

In May 2022, Democratic Gov. Ned Lamont signed first-in-the-nation  making Connecticut an abortion sanctuary state. Starting July 1, medical providers in other states that have outlawed abortion, as are patients who travel to the state for abortion services and anyone who helps them. 

Delaware

Delaware law allows abortions until the point of fetal viability.In June 2022, lawmakers introduced , which would protect Delawareans who obtain, provide or assist others with getting legal abortions from facing civil suits in other states. It would also allow physician assistants and certified nurse practitioners and nurse-midwives to perform abortions.

Florida

In April 2022, Republican Gov. Ron DeSantis signed a law , set to take effect July 1, with exceptions to prevent serious harm or death of the patient but not in cases of incest, rape or human trafficking.

Among the groups challenging the law is  which argues that the ban violates Jewish teachings on reproductive rights. 

On June 30, Judge John Cooper  of the 15-week ban, calling it unconstitutional because it violates the privacy provision of the Florida constitution. The state has appealed to the Florida Supreme Court, which automatically ensures a stay on Cooper’s injunction while the various legal challenges play out, . 

Georgia

With Roe now overturned, a  goes into effect banning most abortions after about six weeks, before many people know they’re pregnant. There are exceptions for cases of rape or incest when a police report has been filed, and when a pregnancy has been deemed “medically futile” by a physician. 

The 2019 ban  from the SisterSong Women of Color Reproductive Justice Coalition but has been allowed to take effect while the case works its way through the courts. 

Previously, abortion was legal in Georgia up to 20 weeks into a pregnancy. 

Hawaii

In 1970, Hawaii became the first state to fully legalize abortion up to the point of fetal viability. In 2006, the state to ensure full access to abortion services no matter what happened on the federal level. It also removed a requirement that individuals seeking an abortion be a resident for at least 90 days and allowed the procedure to be performed outside of hospitals in clinics and doctors’ offices.

Idaho

In March 2022, Idaho lawmakers  that allows potential relatives of an embryo or fetus to sue medical providers for abortions performed after six weeks. In April, the state Supreme Court SB 1309, but , allowing the law to take effect immediately.

A separate  banning all abortions was also blocked in April, but the court decision allowed the law to take effect Aug. 25. 

The US Department of Justice has , claiming that the lack of an exception for medical emergencies in the state’s total abortion ban is unconstitutional. A federal judge has temporarily blocked part of the new law, saying the state can’t ban abortion when it .

Illinois

Abortion is legal in Illinois up until the point of fetal viability, and that isn’t expected to change.In 2019, the state removed regulations for abortion providers with .  

Indiana

On Aug. 5 the Indiana Legislature passed  that would make providing an abortion a felony in almost all cases. Republican Gov. Eric Holcomb signed the bill into law just moments later.

Set to go into effect on Sept. 15, it’s the first state ban passed since the Supreme Court struck down Roe v. Wade.

Previously, Indiana technically allowed abortions up to 22 weeks of pregnancy, but strict limitations — including bans on abortion medication after 10 weeks and requirements for state-directed counseling and ultrasound at least 18 hours before an abortion — meant most abortions happened in the first 13 weeks of pregnancy, NPR . 

A 2019 law banning  had been previously blocked by a court ruling, but a court decision on July 8 overturned the injunction, allowing the ban to take effect immediately.

Iowa

Iowa allows abortions up to 20 weeks after fertilization and requires an ultrasound and parental notification for minors.In 2019, the state passed , but it was struck down by the Iowa Supreme Court. The status of that law won’t change even though Roe v. Wade is no longer the law of the land.

Kansas

Kansas bans abortions after 22 weeks and requires patients to undergo ultrasounds and state-directed counseling.

Republican lawmakers banned  in 2019, but the law was struck down by the state Supreme Court. 

On Aug. 2, Kansans overwhelmingly  that would have removed state protections for abortion, which is allowed there until 22 weeks of pregnancy. 

The ballot measure, which was voted down by nearly 59%, marks the first time voters in the US have weighed in on reproductive rights since the Supreme Court .

Kentucky

In 2019, Kentucky became one of the first states to pass an , which went into effect after Roe v. Wade was struck down. The law states that providing surgical or medical abortion is a Class D felony, except if necessary to save the life of the patient or to prevent permanent impairment of a life-sustaining organ.  The new law was temporarily blocked by court rulings in June and July, but on Aug. 1, an the state’s near-total ban, making all abortions in the state immediately illegal.

Before Dobbs, Kentucky allowed abortions up to 22 weeks, requiring parental consent for minors, ultrasound, state-directed counseling and a 24-hour waiting period.

In November 2022, Kentucky voters will whether the state constitution suggests a right to abortion or government funding for abortion.

Activists on both sides of the abortion issue protest outside the US Supreme Court in 2020Activists on both sides of the abortion issue protest outside the US Supreme Court in 2020

Demonstrators on both sides of the abortion debate outside the US Supreme Court building.

Saul Loeb/AFP/Getty Images

Louisiana

In 2006, Louisiana passed  except to prevent “substantial risk of death or permanent impairment under certain circumstances.” 

After Roe was struck down, the law was  pending a lawsuit by the Center for Reproductive Rights. On July 8, a Louisiana court on the near-total ban, but it was reinstated four days later with a hearing set for July 18.Louisiana  in 2020 to remove any language that might imply the right to an abortion.

Maine

Maine allows abortions up to fetal viability, and beyond that in cases of life endangerment.In 2019, Maine and passed legislation allowing people other than doctors to perform the procedure. In April, the state passed a law at abortion clinics.

Maryland

Abortion is legal in Maryland up until the point of fetal viability, though in the case of a minor, parents must be notified.

In 1992, Maryland voters passed , intended to protect abortion in Maryland in case the US Supreme Court overturned Roe v. Wade.

Massachusetts

Massachusetts allows abortion until fetal viability. In 2018 the state passed .

In late 2020, the state also passed legislation called the , which expanded access to abortion and made it explicitly legal in the case of Roe v. Wade being overturned. 

Michigan

Abortions in Michigan are legal until fetal viability, though state-directed counseling and a 24-hour waiting period are required.

With Roe v. Wade overturned, opponents of abortion are looking to enforce a  making all abortions illegal. Gov. Gretchen Whitmer has sued to block the law, saying that the due process and equal protection clauses of the state constitution make it invalid.

On Aug. 1, a that the injunction against the 1931 law does not apply to county prosecutors, but an Oakland County judge issued a temporary restraining order prohibiting its enforcement.

There’s a referendum on the ballot in November that seeks to affirm the right to abortion in the state constitution. 

Minnesota

Minnesotans’ right to abortion is protected by , and Gov. Tim Walz has declared that “no abortion ban will ever become law” during his term.In July,  that some restrictions — including a 24-hour waiting period, two-parent notification requirement for minors and a ban on nurse practitioners and midwives performing abortions — went against the state constitution. The decision may be appealed, but reproductive rights activists say it bolsters Minnesota’s status as an abortion access “island” in the Midwest, where many states have enacted total or near-total bans. 

Mississippi

Mississippi’s  of 2018, which limited abortions to the first 15 weeks of pregnancy, was the subject of the Supreme Court case that led to the overturning of Roe v. Wade.A Mississippi  except in cases of rape or to save the life of the patient. The law went into effect on July 7, 2022. On July 20, Jackson Women’s Health Organization, the only abortion clinic in the state and the subject of the historic Supreme Court ruling, .

Missouri

Following the Supreme Court ruling, Missouri invoked a trigger law banning all abortions in the state, with an exception if the life of the mother is at stake but not in cases of rape or incest.The law makes inducing an abortion a class B felony, with a possible prison sentence of five to 15 years. Abortion providers can also have their medical licenses suspended or revoked.

Previously, abortions were banned after 20 weeks’ gestational age and required state-directed counseling, ultrasound and a 72-hour waiting period.  

Montana

A 1999 Montana law permits abortion until the point of viability, defined as “the ability of a fetus to live outside the mother’s womb,” or at about 24 weeks of pregnancy. Exceptions are allowed to save the life or health of the mother.

Abortion restrictions passed in 2021 — including banning the procedure after 20 weeks, eliminating telehealth services for medication abortions and mandating providers offer patients the opportunity to view an ultrasound or hear a fetal heartbeat — are  while they face a legal challenge from Planned Parenthood.

 

A before voters in November would extend legal personhood to infants “born alive” at any stage of development and require those born from induced labor, cesarean section or failed abortion to receive medical care.  

Nebraska

Abortions in Nebraska are legal until 22 weeks of pregnancy. The state requires mandated counseling and a 24-hour waiting period, as well as parental consent for minors and a ban on telemedicine for abortion medication.

In February, the state failed to pass a  that would’ve banned all abortions when Roe v. Wade was overturned. Nebraska legislators have indicated they may call a special session to try again to pass the bill.

Nevada

Nevada allows legal abortions up until 24 weeks. In 1990, were passed by referendum and can’t be changed by the legislature without a repeal from state voters. Only physicians can perform abortions, and parental consent is required for minors.

New Hampshire

New Hampshire has no specific laws protecting abortion. A 2022 state law made abortions after 24 weeks illegal and added several requirements, like ultrasound and parental consent for minors.In May 2022, Gov. Chris Sununu allowing abortions after 24 weeks in the case of fatal fetal anomalies.

New Jersey

Abortion remains legal in New Jersey. , passed in January 2022, protects the right to abortion and removed several restrictions from the law, including the requirement that only physicians provide abortions.In 2000, the state Supreme Court struck down a law requiring parental consent for minors.

New Mexico

In 1969, New Mexico passed a law criminalizing abortion, but the in February 2021. The repeal also removed requirements for parental consent for minors.There’s no law protecting abortion in New Mexico, but the overturning of Roe v. Wade doesn’t immediately impact abortion access in the state. 

New York

New York state legalized abortion in 1970, a few years before the Supreme Court ruling in Roe v. Wade, and a 2019 law lifted several restrictions, including a requirement that only physicians could provide abortions.A 2019 law, , removed abortion from the New York state criminal code and allowed abortion after 24 weeks in the case of a life-threatening pregnancy or a nonviable fetus.

North Carolina

Before Dobbs, abortion was legal in North Carolina until fetal viability, considered approximately 22 weeks.

On Aug. 17, 2022, a US district court judge lifted an injunction against a law banning abortions after 20 weeks of pregnancy. The hold had been in place since 2019 but was lifted now that Roe has been overturned.

State regulations also mandate parental consent for minors, ultrasound, mandatory state-directed counseling and a 72-hour waiting period before terminating a pregnancy.

North Dakota

, North Dakota’s trigger law makes terminating a pregnancy a Class C felony punishable by a maximum penalty of five years in prison and a $10,000 fine, except to save the life of the mother or in the case of rape or incest.

The state’s only abortion clinic, Red River Women’s Clinic in Fargo, has filed suit, alleging that North Dakota Attorney General Drew Wrigley prematurely certified the Supreme Court ruling striking down Roe v. Wade.  

On July 27, 2022, one day before the law was to take effect, a judge issued a temporary injunction pausing enforcement of the abortion ban. The temporary injunction was continued with .

Ohio

On June 24, a federal judge lifted an injunction  that bans abortion after about six weeks into a pregnancy, with an exception if the life of the patient is at stake but not in cases of rape or incest.

Health care providers found guilty of performing an abortion could face felony charges and up to a year in prison.

Senate President Matt Huffman, a Republican from Lima, said residents who seek abortions in other states would not be prosecuted. “If someone is going to go to New York to have an abortion, we’re not going to know that and we’re not going to be able to prevent that,” Huffman .  

Previously, abortions were legal in Ohio up to 20 weeks after fertilization, though they required mandatory counseling, a 24-hour waiting period and ultrasound.  

Oklahoma

Post-Roe, anyone who performs an abortion at any point  could be subject to up to two to five years in prison unless the life of the mother is at risk. (A trigger law went into effect on Aug. 26 that increases the penalties to 10 years in prison and/or a fine of $100,000.)

    

The statute makes exceptions for miscarriages, ectopic pregnancies, to save the life of the patient and if the pregnancy is the result of rape or incest that has been reported to law enforcement. It is also aimed at medical professionals — a woman having an abortion would not be charged.

Like the Texas ban, Oklahoma’s law allows private citizens to sue anyone who helps a woman obtain an abortion for at least $10,000 in damages.

Oregon

Oregon has enacted several laws to expand access to reproductive care. In 1983, abortion became a right under the state Constitution. In 2017, the state began allowing nonphysician health professionals to provide abortion care and passed a  that requires private insurers to cover the costs of abortion. 

In 2018, voters rejected a ballot measure to restrict use of state funds for abortion.

Pennsylvania

Pennsylvania allows abortions up to 24 weeks after the last menstrual period. In 1982, the state legislature  including state-directed counseling, ultrasound, a 24-hour waiting period and parental consent for minors.

Puerto Rico

Abortion has been legal in Puerto Rico since 1937. Before Roe v. Wade, some Americans living in states where they couldn’t legally get an abortion would travel to the US territory to obtain one.In 2019, Puerto Rico passed some of its first restrictions, including the requirement of parental consent for minors.

, which passed the Senate in June, after fertilization. 

Rhode Island

Abortions are legal and minimally restricted in Rhode Island. Parental consent is required for minors and only physicians are allowed to perform the procedure.In 2019, state lawmakers  a law criminalizing abortions after 12 weeks and replaced it with a measure that added statutory protections but didn’t guarantee the right to abortion in the state constitution.

South Carolina

South Carolina , with exceptions for rape or incest.

Under Roe, abortion was strictly limited, with mandatory state-based counseling, a 24-hour waiting period and a ban on abortions after 20 weeks post-fertilization.

South Dakota

A  bans abortions except in the case of life-threatening pregnancies.

Under Roe, South Dakota banned abortions after 22 weeks, requiring counseling and mandating a 72-hour waiting period. A law signed in March 2022 further restricted abortion medication.

Tennessee

A  that effectively bans abortion unless it can be proven in court that the mother’s life is at stake went into effect on Aug. 25.   

Tennessee voters amended the state constitution in 2014 to remove abortion protections granted by a state Supreme Court ruling in 2000.

Texas

In 2021, Texas passed  after six weeks except to save the life of the mother or if they risk “substantial impairment of major bodily function.” The law, which makes providing an abortion punishable by up to life in prison and fines of up to $100,000, took effect on Aug. 25.

On July 1, the  Texas could also enforce a 1925 abortion ban that allows for civil charges to be filed against someone assisting in the termination of a pregnancy.

Utah

With Roe v. Wade overturned, a  makes performing an abortion a second-degree felony in Utah, punishable by up to 15 years in prison and a $10,000 fine. It took effect immediately after the Supreme Court announced its ruling in June.

There are exceptions in the case of rape, incest or a life-threatening pregnancy. Abortion is also permissible in the case of a fatal defect or “severe brain abnormality” in the fetus. This exception does not include Down syndrome, cerebral palsy or other conditions that don’t result in a vegetative state.Enforcement of the law  while a Planned Parenthood lawsuit works its way through the courts.

Before the June 2022 Supreme Court ruling, women seeking abortions had to agree to state-based counseling, a 72-hour waiting period and parental consent for minors.

Vermont

Vermont has no major restrictions on abortion. An abortion ban was ruled unconstitutional by the state Supreme Court in 1972 and repealed by the legislature in 2014. 

In 2019, Republican Gov. Phil Scott signed , a sweeping reproductive rights law that established the right to abortion without government interference. Vermont Proposal 5, the Right to Personal Reproductive Autonomy Amendment, is on the ballot in November and would add language prohibiting government infringement on the right to personal reproductive autonomy “unless justified by a compelling state interest.”

Virginia

Abortion is generally legal in Virginia up until 25 weeks of gestation.  repealed several restrictions, including a 24-hour waiting period and a requirement that only physicians provide abortions. 

In 2021, the state removed a prohibition on state exchange insurance covering abortion. 

Washington 

In 1971, Washington state repealed criminal penalties for terminating a pregnancy, and abortions are legal up to the point of fetal viability, somewhere between 23 and 24 weeks. 

In 2018, the right to abortion was  that also requires insurers that provide maternity care to cover abortions.In March 2022, the state  that shields both patients and providers from out-of-state prosecution, in response to laws in Texas and elsewhere . 

Washington, DC

The right to an abortion was codified into law in 2020 with the passage of , which also prohibits employment discrimination against health care professionals who perform or are willing to perform abortions.

West Virginia

Currently, West Virginia bans abortions after 22 weeks except in cases of . It also requires a 24-hour waiting period, counseling and parental notification for minors. In 2018, West Virginia voters agreed to amend the state constitution to specifically declare that it doesn’t include any right to abortion.

A law signed by Republican Gov. Jim Justice in March 2021 prevents a woman from getting an abortion because she believes . 

A  makes performing an abortion a felony punishable by three to 10 years in prison. On July 18, Kanawha Circuit Judge Tera Salango because it predates West Virginia statehood and hasn’t been enforced in a half-century.

West Virginia Attorney General Patrick Morrisey is appealing Salango’s ruling.

On July 27, 2022, the West Virginia House passed a bill that would ban abortions at any stage of pregnancy with exceptions for a nonmedically viable fetus, ectopic pregnancy or medical emergency but not in cases of rape or incest. If passed, an abortion provider could be subject to felony charges and face three to 10 years imprisonment.The measure now goes to the state Senate for consideration.

Wisconsin

A law  makes abortion a felony, but it’s not clear if the 173-year-old ban will now go into effect as State Attorney General Josh Kaul has said he wouldn’t enforce the “draconian” law. 

Democratic Gov. Tony Evers to repeal that law, but it isn’t expected to do so.

Until now, abortion in Wisconsin has been legal up to the 22nd week, though state regulations require counseling, parental consent for minors, a 24-hour waiting period and mandatory ultrasound. They also prohibit telemedicine for abortion medication.

Wyoming

In March, Wyoming passed , a trigger law that outlaws all abortions except in the case of life-threatening pregnancies. On July 27, the day HB 92 was set to take effect, a judge of the law, siding with a women’s health clinic that argued it violates an amendment to the Wyoming constitution saying competent adults have the right to make their own health care decisions. Their lawsuit also claims the ban will harm the women by prohibiting potentially life-saving treatment.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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