It Is Always FAFSA Season!

October 4, 2019 The FAFSA is the Free Application for Federal Student Aid. College applicants that want to apply for federal grants, work study or loan programs must complete the FAFSA. Between 1958 and 1992 federal legislation was passed to ensure that middle- and low- income families had access to loans and grant programs in … Continue reading It Is Always FAFSA Season!

Avoid Breach Fatigue: Plan To Protect Your Identity

September 15, 2019 Fatigue: weakness caused by repeated forces, conditions or exerted efforts over time. Gradually, strength, alertness or resolve to resist diminishes.  The results of fatigue are mechanical failure, capitulation, or indifference.   Think of repeatedly bending a paperclip back and forth until it breaks, the way an ill-prepared sprinter physically falls apart during … Continue reading Avoid Breach Fatigue: Plan To Protect Your Identity

#Therapeutic: A Part of Financial Life Planning Grammar

No matter what subject I teach or concept I explain, I start with definitions and grammar.  A definition “states or expresses the meaning of a word or the nature of something”, whether that “something” is abstract or concrete.   Grammar has several definitions, however the definition of interest for the purposes of this discussion is “a … Continue reading #Therapeutic: A Part of Financial Life Planning Grammar

Go One Step Further: The 529 ABLE For Recovering Opioid Abusers…?

Posted December 13, 2018 Can the 529 ABLE account be expanded to include Opioid Use Disorder as a qualified disability?  It is worth considering. Prior to June 2018, the Whatcom County Sherriff’s office had a policy of denying individuals suffering from opioid use disorder (OUD) medications that treat opioid addiction.  Inmates were required to go … Continue reading Go One Step Further: The 529 ABLE For Recovering Opioid Abusers…?

Thief – Overcoming Social and Economic Barriers to Human Capital Recovery

Posted November 29, 2018 “My life was a raging dumpster fire!” – Anonymous, after two weeks at a residential drug rehabilitation treatment center. So, how does the practitioner or client engage in financial planning while the client is driven to desperately and surreptitiously feed their addiction or fearfully concede to a dependence on opiates?  When … Continue reading Thief – Overcoming Social and Economic Barriers to Human Capital Recovery