The labeled bills
59 of 59 bills routed so her check stays whole. Each row shows the bill’s label from the rule text, Claude’s answer with no rulebook, each reviewer’s reading and the route Giftwise took.
All 59 bills, with every answer
| Bill | Label | No rulebook | Regulations | Manual | Giftwise |
|---|---|---|---|---|---|
| First 20 bills | |||||
| Northside Electric Co-op. Monthly bill for residential electric service at her apartment.20 CFR 416.1130(b)(1) lists electricity. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Metro Gas Company. Natural gas service for heating and cooking at her home.20 CFR 416.1130(b)(1) lists gas. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Lakeside Propane. Delivery of 100 gallons of propane for heating her home.20 CFR 416.1130(b)(1) lists heating fuel. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| City of Brookfield Utilities. Quarterly residential water and sewer service.20 CFR 416.1130(b)(1) lists water and sewerage. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Valley Waste Services. Curbside garbage pickup at her home, monthly.20 CFR 416.1130(b)(1) lists garbage collection services. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Maple Court Apartments. December rent for her apartment, unit 4B.20 CFR 416.1130(b)(1) lists rent. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| First Home Mortgage. Monthly mortgage payment on the house she owns.20 CFR 416.1130(b)(1) lists mortgage payments. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Brookfield County Treasurer. Real property tax installment on her home.20 CFR 416.1130(b)(1) lists real property taxes. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Horizon Wireless. Monthly cell phone plan in her name.POMS SI 00815.400B.2: a sister paying the phone bill does not result in income. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| FastNet. Home internet service, monthly.Not in the shelter list of 20 CFR 416.1130(b)(1); POMS SI 00835.465D.1 says its list of household costs is the only one used. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| CableVision. Cable television package, monthly.Not in the shelter list of 20 CFR 416.1130(b)(1) or POMS SI 00835.020B.36. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| FreshMart. Weekly groceries delivered to her apartment.89 FR 21199: food is no longer counted as in-kind support from September 30, 2024. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Northside Physical Therapy. Co-pay for a weekly therapy session.Not a shelter item; not in 20 CFR 416.1130(b)(1). | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Riverside Mobility Repair. New push rims and a brake adjustment for her wheelchair.Not a shelter item; not in 20 CFR 416.1130(b)(1). | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Eastgate Community College. Spring semester tuition.Not a shelter item; not in 20 CFR 416.1130(b)(1). | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| SafeDrive Auto Insurance. Six-month premium for her car.Not a shelter item; POMS SI 00835.465D.3 counts only property insurance required by a mortgage holder. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| HomeShield. Monthly renters insurance premium for her apartment.POMS SI 00835.465D.3 counts only property insurance required by a mortgage holder; renters insurance is not. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| SafeKeep Self Storage. Monthly rent for a storage unit holding her furniture.POMS SI 00835.020B.36: shelter is living quarters; a storage unit is not. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Brookfield Mutual. Homeowners insurance premium on her house, required by her mortgage lender.POMS SI 00835.020B.36 and SI 00835.465D.3 count property insurance required by a mortgage holder; the shelter list in 20 CFR 416.1130(b)(1) does not include insurance. | Contested | Housing, ABLE account | Not housing | Housing | ABLE account, check whole |
| SuperLink. One bill for residential electric service and home internet together.Electricity is shelter and internet is not, so a single payment for both is mixed. | Contested | Housing, ABLE account | Not settled | Not settled | ABLE account, check whole |
| Harder bills, near the line | |||||
| Pine Ridge Firewood. One cord of seasoned hardwood delivered for the wood stove that is the only heat in her house.20 CFR 416.1130(b)(1) and POMS SI 00835.465D.1 both list heating fuel; firewood burned to heat her home is heating fuel. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Riverside Inn. Invoice for four nights' lodging in March, while a burst pipe was repaired in her apartment. She booked the room on credit; her son is paying the invoice in April.20 CFR 416.1103(g) examples: a hotel bill a son pays later is in-kind income for shelter, counted in the month he pays. POMS SI 00835.360B.1: shelter obtained on her own credit and later paid as a gift counts in the month of payment. | Housing | Housing, ABLE account | Housing | Not settled | ABLE account, check whole |
| Maple Court Apartments. Past-due rent for October that she still owes; her sister is paying it in December.20 CFR 416.1130(b)(1) lists rent. POMS SI 00835.360B.1: shelter obtained on her own credit and later paid by a third party as a gift is income in the month of the payment. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Countryside Home Finance. Monthly payment on the loan for the mobile home she owns and lives in.POMS SI 00835.465D.2: payments on a mobile home are also considered mortgage payments. 20 CFR 416.1130(b)(1) lists mortgage payments. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Lakeshore Credit Union. Monthly payment on the home equity loan (second mortgage) on her house, which she took out to pay medical bills.POMS SI 00835.465D.2: all mortgages, including second mortgages, are household costs regardless of the reason for the additional mortgage. 20 CFR 416.1130(b)(1) lists mortgage payments. | Housing | Not housing, Pay the business, check lower | Not settled | Housing | ABLE account, check whole |
| Hillside Boarding House. Monthly charge for her furnished room, with breakfast and dinner included.20 CFR 416.1130(b)(1) lists room. The meals do not count (89 FR 21199 removed food from September 30, 2024), but the room does. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Rent for her unit in the duplex her mother owns, under their written lease. Her brother pays it to their mother.20 CFR 416.1130(b)(1) and POMS SI 00835.465D.1 list rent. Rent paid to a relative landlord is still rent. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Maple Court Apartments. December invoice: apartment rent $110, reserved parking space $40.Mixed bill. The $110 rent is shelter under 20 CFR 416.1130(b)(1); the parking space is not on either list. POMS SI 00835.465D.1 counts identifiable household-cost charges inside a larger bill, so paying this invoice gives her in-kind support for the rent. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Cedar Falls Municipal Utilities. Monthly statement: residential electric service $110, fiber internet $40.Mixed, itemized bill. Electricity is on both lists (20 CFR 416.1130(b)(1), POMS SI 00835.465D.1); internet is on neither. The $110 electric charge is identifiable, so it counts. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Harbor View Condominium Association. Monthly fee: water and sewer $70, trash removal $30, grounds upkeep $50.POMS SI 00835.465D.1 note: condominium fees are not household costs in themselves, but identifiable charges for household costs such as garbage removal are used. Water, sewer and garbage are on both lists. | Housing | Housing, ABLE account | Not settled | Housing | ABLE account, check whole |
| Sunny Acres Mobile Home Park. Monthly statement for her space: lot fee $40, water and sewer $110.POMS SI 00835.465D.4: the part of a trailer space fee that is for water, sewer and so on is a household cost. 20 CFR 416.1130(b)(1) lists water and sewerage. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| BrightSky Solar. Monthly bill for 900 kWh of electricity from the rooftop panels on her home, under a power purchase agreement.The bill charges for electricity used in her home, which 20 CFR 416.1130(b)(1) and POMS SI 00835.465D.1 both list. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| First Home Mortgage. Escrow shortage payment on her mortgage account, to cover this year's property tax increase.The escrow pays her real property taxes as part of the mortgage; 20 CFR 416.1130(b)(1) lists both mortgage payments and real property taxes. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Brookfield County Treasurer. Full 2027 real property tax on her home, paid in advance.20 CFR 416.1130(b)(1) lists real property taxes. POMS SI 00835.360D.2: a prepaid property tax bill is in-kind support in the months it covers. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Valley Water Hauling. 2,000 gallons of water delivered to the cistern that supplies her house.20 CFR 416.1130(b)(1) and POMS SI 00835.465D.1 list water. Hauled water is her home's water supply. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Northside Electric Co-op. Past-due electric charges of $120 and a $30 reconnection fee, to restore service at her apartment.Electricity is on both lists. POMS SI 00835.360B.1: shelter used on credit and later paid as a gift counts in the month of payment. The $120 for electricity is most of the bill. | Housing | Housing, ABLE account | Housing | Housing | ABLE account, check whole |
| Sunny Acres Mobile Home Park. Monthly rent for the lot where her mobile home sits; the fee is for the space only.POMS SI 00835.465D.4: a trailer space rental fee which is for space alone is not outside ISM if someone outside the household pays it. | Not housing | Housing, ABLE account | Housing | Not housing | ABLE account, check whole |
| Brookfield County Treasurer. Real property tax on the vacant lot she owns across the road from her house.POMS SI 00835.465D.4: third party vendor payments of real property tax on land alone do not cause ISM in the form of shelter. | Not housing | Not settled, ABLE account | Not settled | Not housing | ABLE account, check whole |
| First Home Mortgage. Extra payment toward the principal of her mortgage, on top of this month's required payment, which she has already made.POMS SI 00835.465D.2: when extra mortgage payments are made to reduce the principal, only the required mortgage amount is a household cost. | Not housing | Housing, ABLE account | Not settled | Not housing | ABLE account, check whole |
| Northside Electric Co-op. Commercial-rate bill for the separately metered workshop behind her house, where she runs a pottery business.POMS SI 00835.471A: business expenses are not household costs. POMS SI 00835.020B.36: shelter is living quarters. | Not housing | Not housing, Pay the business | Not settled | Not housing | ABLE account, check whole |
| Harbor View Condominium Association. Monthly association dues for the building and grounds.POMS SI 00835.465D.1 note: condominium fees in themselves are not household costs. Dues are not on the list in 20 CFR 416.1130(b)(1). | Not housing | Not settled, ABLE account | Not settled | Not housing | ABLE account, check whole |
| Oak Meadows Homeowners Association. Quarterly dues for common-area landscaping, the pool and the clubhouse.Not on the shelter list in 20 CFR 416.1130(b)(1) or the household-cost list in POMS SI 00835.465D.1, which says its 10 items are the only ones used. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Brookfield Mutual. Homeowners insurance premium on the house she owns outright; she has no mortgage.POMS SI 00835.465D.3: insurance held at the owner's option is not a household cost. Insurance is not on the list in 20 CFR 416.1130(b)(1). | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Metro Gas Company. Monthly installment on the new furnace her daughter bought for her home through the gas company; this payment has no gas usage charges.POMS SI 00835.310E.1: a furnace bought from the utility company and paid in monthly installments on a utility bill is not income. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Ace Plumbing. Repair of the leaking water heater at her house.Repairs are not on the shelter list in 20 CFR 416.1130(b)(1) or the household-cost list in POMS SI 00835.465D.1, which says its 10 items are the only ones used. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| AquaPure. Monthly rental of the water softener installed in her home.Equipment rental, not water service. Not on the list in 20 CFR 416.1130(b)(1) or POMS SI 00835.465D.1. | Not housing | Not housing, Pay the business | Not settled | Not housing | ABLE account, check whole |
| Tri-County Electric Cooperative, telecom division. Monthly home phone service. No electric service is billed on this statement.POMS SI 00815.400B.2: a phone bill paid by someone else is not income, because it is not food or shelter. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Brookfield Fiber Utility, owned by the city. Monthly fiber internet service at her home.Internet is not on the list in 20 CFR 416.1130(b)(1) or POMS SI 00835.465D.1, even when a city utility provides it. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| GreenCut Lawn Care. Monthly mowing at her house.20 CFR 416.1103(g) examples: a brother paying a lawn service is not income, because the mowing cannot be used to meet needs for food or shelter. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Northland Plowing. Seasonal contract to plow her driveway.Like the lawn service in 20 CFR 416.1103(g), plowing cannot be used as food or shelter, and it is not on either list. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| U-Move. One-day rental of a 15-foot moving truck for her move to a new apartment.Not on the shelter list in 20 CFR 416.1130(b)(1) or POMS SI 00835.465D.1. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| QuickFuel. Gasoline for her car.The gas on the shelter lists is a household cost (POMS SI 00835.465D.1); shelter is living quarters (POMS SI 00835.020B.36). Fuel for a car is neither. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| HomeGoods Hardware. Electric space heater for her bedroom.An item for her home, not heating fuel. 20 CFR 416.1103(j): an item that would be an excluded resource is not income; it is not on either shelter list. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Comfort Home Insulation. Attic insulation and two storm windows installed at her house.20 CFR 416.1103(i): weatherization assistance (insulation, storm doors and windows) is not income. | Not housing | Not housing, Pay the business | Not housing | Not housing | Pay the business, check whole |
| Clearwater Septic. Pumping of the septic tank at her house, which is not on a sewer system.Both lists name sewer service (20 CFR 416.1130(b)(1), POMS SI 00835.465D.1), but neither says whether pumping a private septic tank is sewer service. | Contested | Not settled, ABLE account | Not settled | Not settled | ABLE account, check whole |
| Northside Electric Co-op. Refundable security deposit required to open electric service at her new apartment.Electricity is on both lists, but neither rulebook says whether a refundable deposit to start service is a payment for electricity. | Contested | Not housing, Pay the business, check lower | Not settled | Not settled | ABLE account, check whole |
| Crystal Springs. Monthly delivery of five-gallon drinking water jugs to her apartment.Water is on both lists, but neither says whether delivered drinking water is the home's water service or food, which stopped counting on September 30, 2024 (89 FR 21199). | Contested | Not housing, Pay the business, check lower | Not settled | Not settled | ABLE account, check whole |
| SunShare Leasing. Fixed monthly lease payment for the solar panels on her roof, which supply her home's electricity.Electricity is on both lists, but a lease payment for the equipment that produces it is not; neither rulebook settles it. | Contested | Not settled, ABLE account | Not settled | Not settled | ABLE account, check whole |
| Harbor View Condominium Association. Monthly fee covering heat, water and trash for her unit along with building upkeep; the statement does not break out the amounts.POMS SI 00835.465D.1 counts household costs inside a condominium fee only to the extent they are identifiable; here they are named but not identified, so the text does not settle how much counts. | Contested | Housing, ABLE account | Not settled | Not settled | ABLE account, check whole |