Personal Finance, Disability Finance, College Finance, Personal Lines Insurance, Budget Travel, Women's Issues, Ghost Writing & More
Despite Last Year's Resolutions, Americans Are Spending More on Alcohol
On a day in late March 2020, I found myself on the phone with a customer service representative. I honestly don’t remember which bill or service I had called in to discuss. We were less than two weeks into the lockdown, and we were already desperate for human interaction. I was in Pittsburgh, and she was just across the state line in Ohio. Rather than discussing the business at hand, we were engaged in a game of one-upmanship as we compared our pandemic horror stories.
“I’m actually working o...
Here’s What to Know About the New Form for the Cryptocurrency Taxes
There’s a new tax form coming your way for the 2025 tax year. Form 1099-DA will make filing your capital gains taxes on cryptocurrencies and other digital assets easier. But it is a new form, so today we’ll review what it does so you’re not shocked when this cryptocurrency tax form shows up in your mailbox or inbox in...
What You Need to Know About the Disabled Adult Child Benefit
If you’re a business owner, and the IRS hit you with a big tax bill this year, you might want to lower your future tax burden. Electing S Corp tax status as an LLC probably came up in your research. But carefully consider this decision if you have a disabled child, as it could affect their Social Security benefits.
The ADHD-Friendly Guide to Organizing Your Finances
ADHD can make you creative, spontaneous, and give you the ability to hyperfocus on your interests. But there are also some challenges that come along with neurodivergence and traditional budgeting strategies. Today, we’ll break it all down — the good, the bad and the beautiful — to help you figure out the best way to organize your finances with ADHD.
Financial Tips and Resources for Disabled Entrepreneurs
In the working world, disabled job seekers come up against many systemic barriers. It's not a surprise, then, that many disabled people see entrepreneurship as a solution. Almost 17% of disabled people who participate in the labor market are self-employed, compared to only 11% of the non-disabled workforce.1 In the Deaf community in particular, 11.6% of people own their own business. In the hearing population, business ownership is lower, at 9.8%.2
Rosa Lee Timm, president of Communication Se...
What to Know about Taxes and Student Loan Forgiveness in 2025
Did you know that under normal circumstances, you pay income taxes on canceled or forgiven student loan debt?
Even though you’re not seeing a penny in income from it, most forgiven student loans can result in a higher IRS bill. This is a pretty big deal, as student loan forgiveness can be tens or sometimes hundreds of thousands of dollars.
However, if you recently had your student loans forgiven, you’re in for some good news. Your forgiveness likely won’t be taxed like it would be in a normal...
Don't Let ACA Anxiety Cost You Coverage in 2025
It’s ACA enrollment season, and people are feeling a lot of anxiety. Active marketplace health insurance plan selections are down by 27% compared to this time last year, according to data released by CMS. A major reason for the lack of action is that Americans are feeling uncertain about the future of the ACA, and this lack of certainty is leading to analysis paralysis.
It’s perfectly reasonable to feel overwhelmed by all the potential “what-ifs” of the future of American healthcare. But push...
Elder Financial Abuse: How to Identify It, Prevent It and Fight It
Elder financial abuse happens when someone takes advantage of a senior for their money.
It can happen if you’re planning to pass down an estate of millions, or if the only money you have is your monthly Social Security check.
While financial abuse can look like a scam or someone attempting to alter your will, it can also be a nursing home or other medical institution inappropriately increasing your payments. It can be your caretaker doling you an “allowance” from your own bank account, refusi...
How to start a business in North Carolina
Starting a business in North Carolina is a relatively intuitive process. While there are nuances depending on your business entity type, you can expect the steps to look something like this:
8 Medicare Changes to Expect in 2024
A new year means new changes to your Medicare coverage.
On the one hand, in 2024, you can expect to see higher premiums and deductibles on Part B plans and fixed copays for Part D Extra Help enrollees. On the other hand, Extra Help enrollees won’t have to pay partial premiums anymore, and everyone will enjoy caps on their out-of-pocket costs for Part D prescriptions. There are also a few areas of expanded coverage, like chronic pain, mental healthcare, and compression treatment.
Let’s get int...
Kids with autism growing up in middle-class families have the worst health outcomes, and it comes down to money
Middle-income households are less likely to have access to resources like Medicaid and food stamps.
That's one factor making it harder for families with kids with autism to meet their medical needs.
Public health insurance and professionals who help families navigate available assistance could help.
ABLE Age Adjustment Act
ABLE accounts have been around since 2014, but in late 2022 they got a facelift via the ABLE Age Adjustment Act, which passed as a part of SECURE 2.0. This new law ups the maximum age of onset of disability from 26 to 46, nearly doubling the eligible user base.
Let’s take a look at what that means for you as you save for your disabled child’s college education.
How One Woman Secured $200,000 in Grants for Her Autistic Children
Sheletta Brudidge has secured more than $200,000 in free grant money over the course of her autistic children’s lives. With the biggest calendar year bringing in $80,000, this grant funding has paid for therapies that weren’t covered by insurance, a fence to address her children’s elopement concerns and a trampoline, as well as other sensory items.
Parents of disabled children often incur enormous costs just to provide a healthy life for their child. This is especially true in states that don...
Get Connected in Your Community: 18 Free or Cheap Activities for Seniors
When I told Tony Brooks, activist and advocate at ADAPT Philadelphia, that I was writing a story about free and cheap activities for seniors, he let out a laugh.
“You mean like adult day care?”
ADAPT is a disability advocacy group that explicitly includes seniors among the disabled. Brooks was acknowledging the fact that American culture tends to separate seniors (and disabled people at large) from their own communities.
“I usually love having conversations with elderly people,” Brooks contin...