This year, with the annual health coverage election periods rapidly approaching, people have more questions than usual regarding both Medicare and the Affordable Care Act/Obamacare. Obviously in this highly dynamic environment, anything we say today can change tomorrow, but let’s try to answer some of your questions as best as we can. I don’t have insurance this year; will I have to pay the penalty? This is a complicated issue. The president can declare that the penalty for not having health insurance won’t be imposed this year. Since the IRS works for the executive branch, they would then be obligated […]

It’s back-to-school time. If you have young children going to public schools, your biggest expenditures may be on pens, pencils and notebooks. But if you want those same kids to go to college someday, you’ll eventually face considerably larger costs – so you may want to start preparing soon. College is costly. For the 2015-16 school year, the average expense (including tuition, fees room and board) was nearly $20,000 at a public, four-year school, and more than twice that amount at a four-year private school, according to the College Board. Of course, cheaper alternatives are available – your children could […]

In their book Nurture Shock, authors Po Bronson and Ashley Merryman attempt to identify “supertraits” that, if learned and applied, will ensure a child’s success. Despite their exhaustive research, they concede that because children are “walking contradictions,” there is no one-size-fits-all approach to training up a child. Think Ian Malcolm’s chaos theory, which claims results vary due to the presence of slight variations within any given dynamic. Considering God created each student uniquely, it is impossible to predict one’s outcome due to a myriad of variances: a wayward student might attend a secular college and find faith, whereas a student […]