Now is the time of year when letters will be sent to people who are currently getting Social Security Disability Insurance benefits. These letters will provide information about what to expect in regards to the amount of your benefit checks in the coming year. The letter my husband got was a bit disappointing this time around. My husband is legally blind, which means he qualifies for Social Security Disability Insurance benefits. He is able to work part time, and the money he gets from his Disability Insurance is an incredibly helpful supplement to his income. It is something we rely … Continue reading →

The upcoming changes in health care reform are going to make an impact on limited-benefit health insurance plans. The changes could cause many of these kinds of health insurance plans to stop existing. An argument going around in the news, and on the internet, states that it is better to have one of these limited-benefit health insurance plans than to have absolutely no form of health insurance at all. But, is that true? Limited-benefit health insurance plans, which are also sometimes referred to as mini-med plans, are health insurance policies that come with an annual limit, and many come with … Continue reading →

I never expected to open mail from an Alumni Association, and find an advertisement for car insurance. However, that is exactly what I found in my mailbox today. It was unexpected. Every once in a while, I get some kind of mail from the Alumni Association where I got my B.S. in Education several years ago. Sometimes, they send me a magazine like newsletter, that describes what some of the other people who graduated from the same university as me are up to now. I see marriage announcements of people I do not know. I am informed about the awesome … Continue reading →

I have family and friends living in several areas of Southern California. Memories of my past went up in flames during the disaster we have witnessed this week. I know people who have lost everything. My brother faced evacuation Wednesday night. My sister-in-law wasn’t able to come home from work on Tuesday night, the main Interstate 15 was closed. As a child my family lived near Lake Arrowhead. During the early 1980’s my brother and ex-husband did a lot of the electrical construction work on hundreds of homes built in the new community of Rancho Bernardo. One day I hope … Continue reading →

It’s been a long four-years since this picture was taken and we brought Makala and Jeremiah home to be our children. It required nearly two-years before we met them to complete the application for adoption, training as special needs parents, and have our home study done by the state. We chose to adopt special needs siblings from our state foster care system. Our lives were stable and we had experience raising Sean and Tori who were on their way to college. We wanted and worked hard to get into a position of making a huge change in the lives of … Continue reading →