Craft the Right Insurance Plan
My son loves to play Minecraft®. It’s one of his video games to which I object the least because it does encourage creativity. If only...
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Alexandra Baig, CFP®
- Aug 13, 2018
- 3 min
Take it to the Max!
Everyone wants to obtain the maximum 100% of anything for which they are legitimately eligible. A popular discount chain used to run a...
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Alexandra Baig, CFP®
- Aug 7, 2018
- 4 min
Choose Your Own Financial Story
Those of you now in the position to be planning for the young-adult phase and the adulthood of your child with special needs are probably...
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Alexandra Baig, CFP®
- Jul 31, 2018
- 4 min
Making a Good Thing Better
How many of us really think that that plain slice bread really is the greatest thing? For most of us, adding meat, cheese, creamy...
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Alexandra Baig, CFP®
- Jul 23, 2018
- 3 min
Medicaid: Not All Flavors Taste the Same
On January 1, 2014, like many states, Illinois expanded Medicaid under the Affordable Care Act (aka “Obamacare”). The ACA Medicaid...
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Alexandra Baig, CFP®
- Jul 12, 2018
- 3 min
Plan Early, Plan Often
Although the only generic answer to most financial planning questions is “It depends”, because every client’s situation is multi-faceted...
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Alexandra Baig, CFP®
- Jun 27, 2018
- 3 min
Hi. This is your Social Security Phone Scammer.
This morning, I received a call from this phone number: 443-674-8443. I did not see the caller ID since I answered hands-free while...
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Alexandra Baig, CFP®
- Jun 21, 2018
- 3 min
Me Retire? Never!
“Elbert, are you ever going to retire?” I asked one of my good friends and a co-founder of the L’Arche-Chicago Community[i]. “Nope,” he...
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Alexandra Baig, CFP®
- Jun 13, 2018
- 3 min
The Work of Working with a Disability
There is a popular radio ad featuring a “life hacker”. In addition to using the parking app that the ad is selling, the life hacker is...
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Alexandra Baig, CFP®
- Jun 6, 2018
- 3 min
Pool Safety for Your Assets
Pool /pool/ n. 1) a small area of still water, formed naturally or artificially, sometimes used for swimming, 2) a common fund into which...
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Alexandra Baig, CFP®
- May 30, 2018
- 3 min
SNT Grammar: First and Third Person
Sometime in third or fourth grade, most of us learned about the order of "person" in the grammarian sense. First-person pronouns are "I",...
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Alexandra Baig, CFP®
- May 23, 2018
- 4 min
Better Together: ABLE and SN Trusts
For those of us old enough to remember, there is a classic Sesame Street skit in which Ernie buys some bread for himself to eat, along...
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Alexandra Baig, CFP®
- May 15, 2018
- 3 min
Finally, ABLE to save
From the perspective of someone like me who screens for financial posts, the Internet is full of anecdotes and data about how little how...
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Alexandra Baig, CFP®
- May 8, 2018
- 3 min
Which Income Passes the "Duck Test"?
Elements of government programs frequently confound the "duck test." Generally, if it looks like a duck, walks like a duck, and swims...
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Alexandra Baig, CFP®
- May 1, 2018
- 3 min
Equal pay for equal work: Employer Subsidies
“Substantial Gainful Activity” or “SGA” is a significant threshold for anyone with a disability, who wants to qualify for government...
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Alexandra Baig, CFP®
- Apr 24, 2018
- 3 min
Just Right: SSI, ISM and "fair share"
If you remember the story, Goldil ocks took a lot of time in the home of the three bears, finding the right fit for everything. One bed...
2,137 views0 comments
Alexandra Baig, CFP®
- Apr 17, 2018
- 2 min
If We IRWE: Earn More, Keep Benefits
Impairment Related Work Expenses (IRWE, pronounced "ur wĕ") are a work incentive category that people who receive Social Security...
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Alexandra Baig, CFP®
- Apr 10, 2018
- 2 min
How many quarters = $1,320?
Social Security determines whether you may be eligible for certain benefits--namely, retirement or disability insurance benefits--in part...
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Alexandra Baig, CFP®
- Apr 3, 2018
- 2 min
"D" is for "definitely different: SSI vs. SSDI
For those of us who grew up on Sesame Street (before CGI), "D" is for "definitely different" when it comes to Social Security's two cash...
29 views0 comments
Alexandra Baig, CFP®
- Mar 27, 2018
- 2 min
How Social Security Defines "Disability"
To qualify for disability benefits as an adult--which is at any age over 18, you must demonstrate to the satisfaction of the Social...
55 views0 comments
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