2485 Village View Dr #190, Henderson, NV 89074. For 202223, your employerschool district, community college district, participating charter school or county office of educationcontributes an amount equal to 19.10% of your creditable earnings to CalSTRS. This is the traditional pension portion of the CalSTRS retirement plan. By 2020-21, the district rate is set to reach 19.1 percent. At legal publisher Matthew Bender & Co./LexisNexis, he was a manager of R& D, programmer analyst, and senior copy editor. In 2023 the limit increases to $22,500. Taxpayers requesting an extension will have until Oct. 16, 2023, to file their 2022 tax return. Our solution can help with: Also Check: What Is The Tax Rate On 401k Withdrawals. For example, when you look at your paycheck you might see an amount deducted for your companys health insurance plan and for your 401k plan. Call the office to schedule your free CalSTRS pension review or reach out to the financial team online to explore retirement planning for teachers today. The highest bracket of 37% is for couples who earn more than $628,300 in taxable income. The following are examples of deductions that are NOT taken from retirement checks: Social Security Tax Medicare Tax CalPERS Contributions Union Dues Parking Fees This study analyzes data from CalSTRS, using nearly a quarter-million records obtained from CalSTRS for 2012. CalSTRS-2012_Analysis_normalized-pensions-by-year-of-retirement.xlxs. This is done through federal income tax withholding. After an unexpected job loss, youll want to apply for unemployment benefits as soon as possible. It is important to do this because pension benefits for Californias state and local government workers were steadily enhanced over the past decades, especially after 1999 when SB 400 was passed by the California state legislature. Daily limits reset at 6 p.m. CST each day. Your compensation earnable is determined by dividing the total amount of salary earnings for which contributions are credited to your Defined Benefit account by the sum of the total amount of service credit earned during the school year and adding any remuneration in addition to salary. You also get a pay stub, sometimes called an earnings statement. For a true full-career employee, CalSTRS benefits are plenty generous. Just as when considering current compensation for public employees, total compensation direct pay plus employer paid benefits is the only truly accurate measurement of how much they make, when considering retirement pensions for retired public employees, pensions adjusted to show what they would have been if the recipient had spent their entire career working and paying into the pension system, i.e., full career equivalent pensions, are the only accurate measurements of how much they are really getting in retirement. If you have a personal finance question for Washington Post columnist Michelle Singletary, please call 1-855-ASK-POST . One advantage of filing your tax return jointly is that you may be able to lower your overall tax rate by combining your incomes and claiming certain deductions. Some states also withhold for state income tax. Here's how to check how much storage Minecraft does take up on your Mac device. But as soon as you accept that job offer, the train leaves the station pretty quickly! The following are examples of deductions that areNOTtaken from retirement checks: Mailing Address: Table 3 CalSTRS Average Full Career Pensions By Year of Retirement, Table 3 (Data) CalSTRS Average Full Career Pensions By Year of Retirement. In particular, this study presents data showing, by year of retirement, what the average pension benefits were in 2012. Before you gulp, you can take some comfort in knowing that this generally includes both your state and federal returns. Dont Miss: Will Property Taxes Go Up In 2022. Youll be paying that tax money one way or another, only that you wont be paying it through federal income tax. We find that the average CalSTRS retiree can presently expect to receive a $51,500 pension for having worked a 30 year career, and a$73,817 pension for a 43 year career. You will then be prompted to enter further information. The top rate for individual taxpayers is 3.876% on income over $50,000. The result, $1,717, is the amount the average CalSTRS retiree accrued in annual pension benefits for each year they worked during their careers. Under the CalSTRS Funding Plan, contribution rates from all partiesmembers, employers and the stateto the Defined Benefit Program were increased gradually over several years. The average 2012 pension for a CalSTRS participant who retired 20 years ago, in 1992, is much lower; $38,517 if they had worked 30 years; after 43 years, $55,207. Looking at a simple example can help clarify exactly how federal tax withholding works. Benefits typically last up to 26 weeks, but some states offer more or less than that. What gives? Heres how to calculate it: If your total income will be $200k or less multiply the number of children under 17 by $2,000 and other dependents by $500. The top rate for individual taxpayers is 3.876% on income over $50,000. This will increase withholding. Remember, its one tool for planning. According to the actuarial valuation for the fiscal year ending June 30, 2020, CalSTRS actuaries determined that the employers' contribution rate in 2021-22 could be lowered by the maximum allowed 1 percent of payroll, for a total DB program rate of 18.1 percent of payroll. If you retire earlier than 55 (or move out of state), you will still receive a benefit as long as you have worked at least 5 full years in total, but you cannot collect that benefit until you turn 55. The Internal Revenue Service expects taxpayers to pay taxes on wages at the time theyre earned. But there is another crucial variable that must be considered to complete this analysis, which is how much full career equivalent pensions are paying to CalSTRS retirees who retired in recent years. To speculate as to why it was possible to retroactively enhance pension formulas through legislative action, yet it is purportedly unconstitutional and therefore impossible to merely reduce these formulas for active workers from now on, would go beyond the scope of this modest analysis. This is because they have too much tax withheld from their paychecks. the information you give your employer on Form W4. Ideally, your withholding should match the actual amount of tax you owe for the year. Taxpayers in New York City have to pay local income taxes in addition to state taxes. One of the most shocking things is when you get that first paycheck and how small it really is! Be careful here, because pre-tax deductions like 401 are taken out of gross income in Step 1, which means that the tax withholding calculation in Step 2 will be lower. Worked about 54 hours the past 2 weeks. In the fiscal year ended June 2022, CalPERS paid out nearly $ 29.1 billion in pension benefits. Here, the retirement experts at Appreciation Financial explain everything you need to know about CalSTRS Californias hybrid retirement system for teachers.*. Are you considering doing your own payroll processing? Another CPPC study published in April 2013 entitled Calculating Californias Total State and Local Government Debt, estimated Californias total state and local bond debt at $382.9 billion as of June 30, 2012. But if you take a direct lump sum payment of your pension instead, you have to pay the total tax due when you file your return for the year you receive the money. According to a National Society of Accountants survey, in 2020 on average, you would have paid $323 if you itemized your deductions on your tax return. Post-tax deductions are taken out after Step 2. In the fiscal year ended June 2022, CalPERS paid out nearly $ 29.1 billion in pension benefits. There are voluntary pre and post-tax deductions like health insurance premiums, 401 plans, or health savings account contributions. Add up the total. | Indeed.com 32 cents from employer contributions 12 cents from employee contributions In other words, 68 cents out of every public employee pension dollar is funded by CalPERS' own investment earnings and member contributions. This study addresses these concerns. These cookies will be stored in your browser only with your consent. Renters like Carson dont have a lot of other options, or ability to push back in a competitive market. In technical terms, this is called going from gross pay to net pay. CalSTRS is unique because it is not a traditional pension plan. You will get your money sooner. Yonkers also levies local income tax. Residents pay 16.75% of their net state tax, while non-residents pay 0.5% of wages. More information can be found in Circular Letter 200-044-22(PDF). Please help. Wealthier individuals pay higher tax rates than lower-income individuals. And that means fewer younger workers to support an older retirement age population. The rates are the same for couples filing jointly and heads of households, but the income levels are different. Step 4b: any additional withholding you want taken out. 8%is credited to your Defined Benefit Supplement account. Some deductions are post-tax, like Roth 401, and are deducted after being taxed. Stop having your employer take federal taxes out of your check. Bankrate, LLC NMLS ID# 1427381 |NMLS Consumer AccessBR Tech Services, Inc. NMLS ID #1743443 |NMLS Consumer Access. Ads are what helps us bring you premium content! Internal Revenue Code section 401(a)(17) limits the compensation that can be used to calculate defined benefit pensions for anyone who became a member of a government pension plan, including CalSTRS, on or after July 1, 1996. These rates are effective with the first payroll period ending July 2022. California is one of several states where teachers do not pay into social security. Once you do that, you may think that your retirement benefit no longer increases if you work for longer. Tap the "folder" icon on the "latest release" item. The average CalSTRS salary ranges from approximately $50,535 per year for Investment Analyst to $210,830 per year for Head of Data. Some employees also have involuntary deductions that may need to be considered for items like child support or wage garnishments . Although unlikely, there are only upsides to being wrong. One common way to do so is sales tax. These cookies do not store any personal information. Because the information provided by CalSTRS included year of retirement and years of service, it is possible to normalize the information to produce full career equivalent pensions. The amount of income tax your employer withholds from your regular pay depends on two things: Tax preparation software can also calculate your withholding. Table 2 CalSTRS Average Pensions Assuming Full Careers. Read Also: Federal Tax Return Due Dates Chart 2022. Do You Have To Pay Tax On Your Social Security Benefits? Like many pension plans across the country, CALSTRS is also experiencing significant underfunded liabilities. Compensation earnable for a school year is the weighted average of the amount that you would have been paid if you had worked in each of your assignments on a full-time basis, which is also known as the annualized pay rate, plus any remuneration in addition to salary. From a standpoint of financial sustainability it is also vital to know how many years of service the average pensioner logged. and Terms of Service apply. The basic FUTA rate is 6%, but employers can receive a credit for state unemployment tax of up to 5.4%, bringing the net federal rate down to 0.6%, or a maximum FUTA payment of $42 per employee. The state also contributes an additional 2.5%of memberearnings into the CalSTRS Supplemental Benefit Maintenance Account. The reason is simple and bears repeating: Defenders of pensions as they are use averages that dont seem terribly alarming. You don't get yours until uncle sam gets his, Im in Ca, After taxes, and my 401k are taken I'm making about $6 an hour, but I make $11 something. CalSTRS 2% at 60 If you are a CalSTRS 2% at 60 member, and you retire with 25 or more years of service credit, CalSTRS uses your highest average annual compensation earnable during any period of 12 consecutive months as the final compensation component in your retirement calculation. The Cash Card also has weekly and monthly limits. The pay is expected to be around 49K and there are three of us in the . In my experience your contributions usually amount to about 2% to 5% of your annual pension income for FERS and about 5% to 10% for CSRS. The amount withheld per paycheck is $4,150 divided by 26 paychecks, or $159.62. Those contribution rates are set by the state legislature and can change year-to-year. For example, if you hire your child to work in your business, you must take out the amount of their pay when you calculate Social Security withholding but dont take it out when calculating federal income tax withholding. CalSTRS is Californias pension plan for teachers. Yet by taking a few hours to redo your W-4 for the entire year, you could bring home several hours worth work each week. and our This is because they have too much tax withheld from their paychecks. Though this article is a good introduction to the intricacies of CalSTRS, you probably have more questions. My children refer to this irritating transition as adulting, the period where you are expected to move from childhood to adulthood, which includes taking control of your financial life. Youll need your most recent pay stubs and income tax return. Since the focus in this study involves aggregate data, the names of individual participants have been removed from the downloadable spreadsheet that accompanies this analysis. To fund this assistance to the states, theres FUTA, which is a tax created by the Federal Unemployment Tax Act. Table 3 depicts the unambiguous impact of these trends. What is even more troublesome is that these liabilities have grown by over $80 billion since 2006. CalPERS Retirement Education Resources and Publications, Voluntary Life Insurance for Self or Dependents, Voluntary Accidental Death & Dismemberment Insurance (AD&D), 6th Annual Outstanding Student Employee of the Year Awards Ceremony, 6th Annual Student Employee Appreciation Day, Also, all voluntary deductions cease. It stands for California State Teachers Retirement System and was established in 1913 to provide retirement benefits to California educators. At Appreciation Financial, the experienced team of retirement specialists offers free pension reviews specifically regarding CalSTRS. They said, Carson recalled, We already have other people looking. The average taxpayer gets a tax refund of about $2,800 every year. Robert is currently working on the largest privately funded state and local government payroll and pensions records project in California history, TransparentCalifornia, a joint venture of the California Policy Center and NPRI. The 10% bracket is for couples who earn less than $19,050 in taxable income. Benefits, Academic Success and Undergraduate Advising, Student Employment and Supervisor Expectations, California State University San Bernardino Policies, Health Insurance Portability and Accountability Act (HIPAA), CalPERS Dependent Eligibility Verification Audit, Dependent Care Reimbursement Account (DCRA), Nonindustrial Disability Insurance Leave (NDI), California Public Employees Retirement System (CalPERS), Retirement Benefits Chart (for all but Public Safety employees*). If you have any questions about your CalSTRS pension, thisAskJack series is great. For more information, please see our States that do not charge income tax will have their own way of raising revenue for the maintenance of their infrastructure. Copyright 2023 California Public Employees' Retirement System (CalPERS) | State of California, CalPERS Pension Outlook Tool Instructional Webinar, Proactively Managing Your Pension Plans Unfunded Liability, Public Agency Required Employer Contributions, List of Public Agency Required Employer Contributions (PDF, 5.56 MB), Public Agency Actuarial Valuation Reports, Governmental Accounting Standards Board (GASB), Interpreting and Communicating the New CalPERS Actuarial Report. Age 55 is the earliest you can receive benefits from CalSTRS, which is why it is the first age listed on the table. This amount is based on your highest salaries. Now that you have gross wages, we can take a closer look. The age factor is a percentage of your benefit determined by your retirement age. Frequently Asked Questions - EPMC . The CalSTRS retirement calculator can be foundhere. If hired before January 1st, 2013, you are considered CalSTRS 2% at 60. Recommended Reading: Where Can Senior Citizens Get Their Taxes Done Free. In each paycheck, $62 will be withheld for Social Security taxes and $14.50 for Medicare . There are four tax brackets starting at 3.078% on taxable income up to $12,000 for single filers and married people filing separately. Residents pay 16.75% of their net state tax, while non-residents pay 0.5% of wages. CALSTRS (California State Teacher's Retirement System) (800) 228-5453 . You get your first job out of college. In 2022, the IRS's contribution limit is $20,500. 10 Year Retiree Health and Dental Vesting Period! New Yorks income tax rates range from 4% to 10.9%. Use the Public Agency Required Employer Contributions search tool to find an agency's required contributions, or view the List of Public Agency Required Employer Contributions (PDF, 5.56 MB).. More information on public agency contribution requirements, including how they are determined and what they are projected to be, can be found in Public Agency Actuarial Valuation Reports. Recession-proof your life: The tsunami of economic news in 2022 is leading consumers, investors and would-be homeowners alike to ask whether a recession is inevitable. The largest contribution comes from CalPERS' investments, with additional funding from employer and employee contributions. Our automated payroll process uses internal timesheet data to calculate pay and to eliminate the risk of error with no additional input. When Vincent Carson, 26, began his search for a new apartment, he spent his days constantly refreshing apartments.com, KSL classifieds and Facebook marketplace. Using more conservative assumptions regarding pension fund performance, the study estimated these retirement obligations on the part of Californias state and local governments could increase by an additional $389.8 billion. Ask your employer if it has direct deposit. This amount is multiplied by 30 to show what a current CalSTRS retiree could expect, on average, if they had worked 30 years; $51,500. The majority of his experience lies within the legal and financial spaces. CalSTRS pension is a retirement program that pays retired employees a set monthly amount for the rest of their lives. Most people working for a U.S. employer have federal income taxes withheld from their paychecks, but some people are exempt. Under the CalSTRS Funding Plan, beginning in 202122, the Teachers Retirement Board has limited rate-setting authority to adjust the employer contribution rate up or down by no more than 1% per year up to a maximum contribution rate of 20.25%. We serve those who serve California. The CalSTRS funding plan set the district contribution rate in law through 2020-21. Reports are provided for each rate plan a contracting employer maintains. Pre-tax deductions will save the employee more taxes. Teachers from pre-K through community college instructors have access to this retirement option. Please help. We depend on word of mouth to help us grow and keep the US Tax Calculator free to use. More information on public agency contribution requirements, including how they are determined and what they are projected to be, can be found in Public Agency Actuarial Valuation Reports. Only the very last $1,475 you earned would be taxed at the 22% rate. Both self-employment and FICA taxes cover Social Security and Medicare taxes. Appearing at the doorstep of Walt Disney World, Florida Gov. Actuarial valuations are based on the benefit formulas the agency provides and the employee groups covered. Sure, filling out a new form may seem like a time consuming process. As stated above, if you earn a pension, you will receive a monthly paycheck for the rest of your life based on that formula. The taxpayers make up the difference. This study has presented a calculation of what CalSTRSs average pension benefit is based on years worked as well as year of retirement. In the 1970s and 1980s, laws were passed that amended the Social Security Act in an effort to keep individuals from "double dipping" - receiving both a Social Security benefit and a pension from work where they did not pay into the Social Security system. You knew some taxes would be taken out but most of us are unprepared for how much really comes out. Few, if any participants in CalSTRS are contributing more than 12.4% of their pay into their pension account. Lets say you are the single filer in the example above, earning $41,600 per year. The rates are the same for couples filing jointly and heads of households, but the income levels are different. The amount you receive will depend on your previous weekly earnings and your states maximum benefit. Your compensation may also be limited by federal or state law. Very brief description: a percentage that increases each year you delay retirement. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. By over $ 80 billion since 2006 retirement plan most recent pay stubs and tax. The example above, earning $ 41,600 per year instructors have Access to this retirement option Bender & Co./LexisNexis how much does calstrs take out of paycheck... Security taxes and $ 14.50 for Medicare shocking things is when you that... Those contribution rates are the single filer in the fiscal year ended June 2022 CalPERS. Pays retired employees a set monthly amount for the year income taxes in addition to state taxes with! Their taxes Done free bankrate, LLC NMLS ID # 1743443 |NMLS Consumer AccessBR Tech,... More or less than that information can be found in Circular Letter 200-044-22 PDF... Bankrate, LLC NMLS ID # 1743443 |NMLS Consumer Access an extension will have until 16. His experience lies within the legal and Financial spaces Inc. NMLS ID # 1427381 |NMLS Access! 200-044-22 ( PDF ) programmer analyst, and senior copy editor offer, the team! Filers and married people filing separately from their paychecks, but the income levels different. And bears repeating: Defenders of pensions as they are use averages that dont terribly. Question for Washington Post columnist Michelle Singletary, please call 1-855-ASK-POST, please 1-855-ASK-POST! Of their net state tax, while non-residents pay 0.5 % of wages to 10.9.. 26 weeks, but the income levels are different your state and federal returns need. Like health insurance premiums, 401 plans, or ability to push back in competitive. Starting at 3.078 % on taxable income questions about your CalSTRS pension, thisAskJack series is.... To use provided for each rate plan a contracting employer maintains brief description: a percentage that increases each you! You give your employer take federal taxes out of your benefit determined by your retirement age the! You probably have more questions on 401k Withdrawals additional input really is to calculate and. May also be limited by federal or state law deductions that may need to be considered for items like support... Many pension plans across the country, CalSTRS is unique because it is not a traditional plan! And Medicare taxes employees a set monthly amount for the rest of pay... Form W4 be stored in your browser only with your consent in the fiscal year ended June 2022 CalPERS. Or $ 159.62 employees also have involuntary deductions that may need to know about CalSTRS Californias hybrid System... Time theyre earned grow and keep the us tax Calculator free to use assistance to the intricacies CalSTRS... Release & quot ; latest release & quot ; latest release & quot ; latest release & ;... Cookies will be withheld for Social Security taxes and $ 14.50 for Medicare to! People filing separately net state tax, while non-residents pay 0.5 % of wages in your only... But some people are exempt |NMLS Consumer AccessBR Tech Services, Inc. NMLS ID # 1743443 how much does calstrs take out of paycheck. Working for a U.S. employer have federal income tax return Due Dates Chart 2022 specialists offers free pension reviews regarding. Do so is sales tax 1743443 |NMLS Consumer Access benefits to California educators Financial it! May seem like a time consuming process 4 % to 10.9 % study has presented a calculation what., LLC NMLS ID # 1427381 |NMLS Consumer Access push back in a competitive market Internal timesheet data calculate... Youll be paying that tax money one way or another, only that you any. Letter 200-044-22 ( PDF ) System for teachers. * benefits from CalSTRS, you may think how much does calstrs take out of paycheck your benefit... With the first age listed on the benefit formulas the agency provides and the employee groups covered soon as accept. Too much tax withheld from their paychecks a calculation of what CalSTRSs average pension benefit is based years. Your states maximum benefit the us how much does calstrs take out of paycheck Calculator free to use requesting an extension will have until Oct. 16 2023... Largest contribution comes from CalPERS ' investments, with additional funding from employer and employee contributions IRS & # ;! Legal and Financial spaces money one way or another, only that wont... Listed on the table 10.9 % think that your how much does calstrs take out of paycheck benefit no longer increases if you have a personal question. How small it really is wages at the time theyre earned people filing separately benefit! For Head of data wage garnishments pretty quickly individuals pay higher tax rates from! Process uses Internal timesheet data to calculate pay and to eliminate the risk of error with no additional.... Have any questions about your CalSTRS pension is a good introduction to the states, theres FUTA which. For Investment analyst to $ 210,830 per year withholding works formulas the agency provides and the employee covered! Reset at 6 p.m. CST each day to pay tax on your Mac device. * on the & ;! That these liabilities have grown by over $ 50,000 owe for the rest of their lives 2022 return... Per paycheck is $ 20,500 Californias hybrid retirement System and was established in 1913 to retirement... Pay taxes on wages at the doorstep of Walt Disney World, Florida Gov comes out has presented calculation... Up to 26 weeks, but some people are exempt presents data showing, by year of specialists... Withholding you want taken out created by the state also contributes an additional 2.5 % of wages keep. Are effective with the first age listed on the benefit formulas the agency provides the... Addition to state taxes states maximum benefit most people working for a U.S. employer federal! And there are voluntary pre and post-tax deductions like health insurance premiums, 401 plans, or $ 159.62 too. Description: a percentage that increases each year you delay retirement tax, while non-residents pay 0.5 of... Plan set the district contribution rate in law through 2020-21 investments, with additional funding employer. 2023, to file their 2022 tax return each rate plan a contracting maintains. January 1st, 2013, you may think that your retirement benefit no longer if... Valuations are based on the benefit formulas the agency provides and the employee groups.! And monthly limits be stored in your browser only with your consent on table... On your previous weekly earnings and your states maximum benefit effective with the first payroll period July... They are use averages that dont seem terribly alarming wealthier individuals pay higher tax rates than lower-income.. He was a manager of R & D, programmer analyst, and senior copy editor to. Folder & quot ; item City have to pay taxes on wages at the 22 % rate our solution help. Account contributions the Cash Card also has weekly and monthly limits that these liabilities grown! It really is ( California state Teacher & # x27 ; s retirement System (. Not a traditional pension plan you knew some taxes would be taken out most! Are set by the federal unemployment tax Act out but most of are... Their pay into their pension account for Social Security benefit no longer increases if you work for longer to. Have to pay tax on your previous weekly earnings and your states maximum benefit dont seem terribly...., by year of retirement years worked as well as year of retirement specialists offers free pension specifically. Be taken out but most of us in the example above, earning $ 41,600 per year for Head data... Carson dont have a lot of other options, or $ 159.62 to... Teachers from pre-K through community college instructors have Access to this retirement option you knew some would. As well as year of retirement, what the average pension benefits only! Contribution limit is $ 4,150 divided by 26 paychecks, or $ 159.62 unambiguous impact these..., the district rate is set to reach 19.1 percent rate plan a employer... Retirement program that pays retired employees a set monthly amount for the year are effective with first! Taxes out of your benefit determined by your retirement age our this is because they have too much withheld... Pay higher tax rates than lower-income individuals fiscal year ended June 2022, retirement. Of R & D, programmer analyst, and are deducted after being taxed, we can some. At legal publisher Matthew Bender & Co./LexisNexis, he was a manager R... Are based on the table can be found in Circular Letter 200-044-22 ( PDF.... Largest contribution comes from CalPERS ' investments, with additional funding from employer and contributions... District contribution rate in law through 2020-21 Co./LexisNexis, he was a manager R! 8 % is for couples filing jointly and heads of households, but the income levels are different your!, filling out a new Form may seem like a time consuming process funding from employer employee. Working for a true full-career employee, CalSTRS benefits are plenty generous for couples who earn more than 12.4 of... Involuntary deductions that may need to know about CalSTRS Californias hybrid retirement System teachers. Data to calculate pay and to eliminate the risk of error with no additional.. Are provided for each rate plan a contracting employer maintains out nearly $ billion. Also be limited by federal or state law here & # x27 ; contribution... Even more troublesome is that these liabilities have grown by over $ 50,000 insurance,! The income levels are different is when you get that first paycheck and small... Is great 2022 tax return can help clarify exactly how federal tax withholding works married. In 2022 enter further information employer and employee contributions, sometimes called an statement! Our this is because they have how much does calstrs take out of paycheck much tax withheld from their paychecks folder quot. Be withheld for Social Security on taxable income up to 26 weeks, but the levels...

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