I am / You Are / We are more than just a stay at home mom.

My husband always says I’m more than just a stay at home mom & he appreciates me and that I’m a good wife & mother to our children.  So it got me thinking.  Because honestly in past times when someone would ask me, “what do you do for a living?”  I’d kinda timidly say, “Oh I’m just a stay at home mom or homemaker” unknown that I was demeaning my role.  After some thinking tonight, I’ve come to the conclusion that I took my own role for granted.  I’m much more than just a stay at home mom or homemaker.  If I was paid for ALL I do, I think I’d be much wealthier than I actually am presently.

Being a mom & a wife has given me experience to wear many hats & fulfill different titles.

Bookkeeper

Personal Advisor

Therapist

Financial Advisor

Cable Technician

Publicist

Tutor

Teacher

Physical Trainer

Live in Nanny

Maid

Painter

Instructor

Activist and Advocate

Founder

CEO

Language Intrepreter

Manager

Supervisor

Musician

Singer (I can’t sing)

Gamer

Movie Critic

Plumber

Mechanic

Chaueffer

Mental Health Expert

Lawyer

Driver Instructor

Comedian

Spiritual Mentor

Personal Banker

Payroll Clerk

Administrative Assistant

Receptionist

Answering Service

Stockbroker

Investment Broker

Fashion Designer

Personal Shopper

Personal Chef

Housekeeper

Seamstress

Leader

Team Captain

Accountant

Crisis counselor

Medic

Nurse

Uber driver

Door Dash driver

Librarian

Cheerleader

Life coach

And an expert in Pig Sty’s

I have become all these under the role of being a wife and mom.  And I believe other parents might agree for their role.  I value my roles and my lived experiences because they’ve only given me knowledge, wisdom and much understanding.  All these and so many more unlisted, are in relation to different stages of life and learning “on the job” training, rolling with the punches, and continuing to put on and take off many different “hats” as I live on.

Thanks for being here once again. And for following my articles.

Continue reading “I am / You Are / We are more than just a stay at home mom.”

Here’s a wealth of information about ABLE accounts! #Disabilities #Money #Assets

Last night I attended “The Gathering” which is a open group meeting held by NAMI Pierce for the community. A local affiliate that I am a member of and involved with. NAMI stands for National Alliance on Mental Illness for those who may not have known.

This would be my first time attending the gathering event. I’m so glad I went because the topic of discussion was about the new ABLE accounts for individuals with disabilities.

I had already heard about this service finally being offered in our state but didn’t know all the details.

There are some good benefits to having an ABLE account. The fact that the individual is allowed to save more than $2000 in their account without it being considered an asset with a maximum of up to $100k saved. And in this ABLE account those funds aren’t considered an asset when and if the individual should need to apply for Washington Apple Health, DSHS SNAP, TANF, food stamps, DCYF (childcare), HUD section 8 are all ABLE exemptions. Pretty cool right?

I also learned the qualifying expenses to spend from the ABLE account are basic living costs, housing, transportation, education, assistive technology, employment training, personal support services, legal fees, funeral, burial expenses, health and wellness, financial management costs. So in otherwords, they are able to spend on groceries, dining out, pay rent, and all the other things necessary to utilize their monies for.

There were a few downsides I wasn’t too fond about but it might be seen as beneficial for others. The individual would NOT have any access to withdrawing cash from a bank or ATM. Although I did ask the question, what if the individual uses their prepaid MasterCard at the grocery store and tries getting cash back at the register? I wasn’t given an adequate answer, instead I was told, “their not supposed to do that.” So I reiterated once more, “so their not supposed but they can, or their not supposed to and they won’t be given this access?” Still no clear answer, just informed that because the program is so new, kinks are still being worked out. So if anyone reading this actually knows the facts please comment to share that helpful info.

The other thing I wasn’t too fond of is that there us a $10 minimum transaction amount, and a $15k withdrawal amount. The number of withdrawals are unlimited daily and no transaction fee. But in order to spend from the account, it is only by online purchases, paper check, or their option of prepaid MasterCard. And its advised the individual use the funds for qualified disability expenses ONLY, and maintain records of their purchases.

There is also a fee for the prepaid card. It’s $1.25 per month so I had asked if they load $10 and don’t wind up spending the $10 does it fee itself out from being dormant over the period of say 8 months? Answer was yes. So basically, don’t load the card unless you know those funds are going to be spent. Again, there is no access at an ATM, or any financial institution. It’s is also prohibited for online gambling or illegal transactions which is a good thing.

The other downside, is that because this is NOT a credit card with a line of credit, if they use it for reserving a hotel stay, rental car, or things of that nature, they need to make sure to load the appropriate amount of funds in the event that the company may decide to preauthorize a set amount to hold their reservation. Meaning that set amount is not accessible to the individual until that hold falls off.

I could go on and on about all the details of the ABLE accounts but I would rather anyone who’s truly interested to inquire for the accurate information themselves. You can click the link within this article here to go directly to the website, or you can find the link on the main page of my website listed under resources.

So that’s a little bit of information to share with others who receive SSI, SSDI or are disabled who don’t receive these benefits but their disability occurred prior to the age of 26 and would meet the criteria.

I hope I was able to enlighten someone with this small wealth of information. One last thing I will provide here are 2 present contacts for these ABLE accounts with Washington State which may be difficult to find on the website.

Peter Tassoni, Disability Workgroup Manager – (360) 725-3125 peter.tassoni@commerce.wa.gov

Chris Gagnon (360) 725-3131 Christina.gagnon@commerce.wa.gov

FYI- At times I share other people’s articles to help them gain exposure or to help spread awareness about their journey with their life. I’m here to help others and to advocate for what I believe in. I’m here to be the voice for others who haven’t found the courage to use their own yet, but still want to get a message out. I’m here as a mom, advocate and friend, not a Mental health professional. Just using my experiences and knowledge to hopefully help others who are uninformed.

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Thanks again for being here and I appreciate the positive feedback that some of you have already given me. I truly appreciate it. It helps me to know that my time, work and writing efforts are not in vain.