Good News for Children with Disabilities

Do you have a child with a disability or do you know of a child with a disability?  I have some great news for you.  The state of Ohio has created opportunities for you to save money for that child without affecting certain benefits.

A STABLE account is an investment account available to eligible individuals with disabilities. STABLE Accounts are made possible by the federal achieving a Better Life Experience (“ABLE”) Act. STABLE Accounts allow individuals with disabilities to save and invest money without losing eligibility for certain public benefits programs, like Medicaid, SSI, or SSDI. Earnings in your STABLE Account are not subject to federal income tax, so long as you spend them on “Qualified Disability Expenses.”

You may put up to $14,000 per year and you have to stop contributing at $426,000.  The Stable account program allows you to invest the money how you want and you may make 2 changes per year.

This money grows tax free and you can spend it on “Qualified Expenses” like: Housing, transportation, employment training, personal support services, education, legal fees, assistive technology, and basic living expenses.

You can find out a lot more information by going to Stableaccount.com or calling 800-439-1653.  This article is a public service announcement for children with disabilities.  LPL Financial and Webb Financial Group LLC have no affiliation with the stable account program.  Please consult your advisor for more details.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual

Scott L. Webb CFS is the owner of Webb Financial Group LLC and can be reached at scott.webb@lpl.com or (740)454-6113 Securities are offered through LPL Financial,  member FINRA/SIPC


 

 

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Copycat Recipe: Applebee’s Fiesta Lime Chicken

Eating out is fun, but it can take a huge bite out of your wallet.

Restaurants generally mark-up the cost of entrees over 300% just to cover their overhead. For a family of four, the cost to eat out can be over $50. Add drinks and a tip and the cost is over $70. By making your favorite restaurant dishes at home, you and your family can enjoy them for a fraction of the cost.

For instance, Applebee’s charges about $11.50 per serving for its delicious Fiesta Lime Chicken. If you make this in your own kitchen, the price shrinks to $1.40 per serving!

The chicken needs to marinate for minimum of two hours, but cooking takes 15 mins. You can prepare the marinade the night before and put the chicken in it so it’s ready to cook the following day. This recipe serves four. (Source: Genius Kitchen)

Ingredient ** Average Price ** Cost Per Recipe
1/3 C. teriyaki sauce , $1.82 (15 oz.) , $0.32
juice of ½ a lime , $0.15 (ea.) , $0.08
3 garlic cloves, minced , $0.40 (bulb by weight) , $0.11
1 tsp. tequila (optional) , $19.99 (750 ml.) , $0.39
1 tsp. liquid smoke , $1.48 (4 oz.) , $0.06
½ tsp. salt , $2.98 (26 oz.) , $0.01
¼ tsp. ground ginger , $3.97 (1.6 oz.) , $0.05
1 lb. boneless skinless chicken breast , $1.99 (per lb) , $1.99
¼ C. mayonnaise , $2.48 (30 oz) , $0.17
2 tbsp. chunky salsa, spicy , $1.98 (24 oz) , $0.08
1 tbsp. milk , $2.08 (gal.) , $0.02
1 tsp. Cajun blackened spice mix , $3.34 (5 oz.) , $0.11
¼ tsp. dried parsley , $2.49 (.5 oz.) , $0.21
¼ tsp. hot sauce , $1.54 (30 oz.) , $0.01
1/8 tsp.of dried dill weed , $3.28 (.3 oz.) , $0.23
1/8 tsp.of cumin , $2.98 (1.5 oz.) , $0.02
1 C. Colby-Monterey jack cheese shredded , $3.98 (16 oz.) , $.99
2 C. corn chips, crumbled , $2.00 (11 oz.) , $0.75

Total for the recipe: $5.60
Cost per serving: $1.40

Directions:
1. Whisk together the first 8 ingredients, coat chicken in mixture, and marinade for at least 2 hours.
2. Whisk together the next 9 ingredients, cover, and chill until needed.
3. Grill the marinated chicken breasts for 3-5 minutes per side, or until cooked through. Discard marinade.
4. Brush grilled chicken with reserved dressing, sprinkle with cheese, and broil until cheese has melted.
5. Serve the chicken over a bed of crumbled chips.

To find other recipes for your favorite restaurant dishes, go to http://www.geniuskitchen.com and search for “copycat.”

Copyright 2018 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

4 Ways to Curb Your Online Shopping Enthusiasm

Browse. Click. Buy. Repeat. Shopping online has never been easier.

Nearly every need or want can be fulfilled and at your door in 48 hours or less, thanks to sites like Amazon, Walmart and Google Express.

That near-instant gratification can be problematic, though. Boxes and bills can pile up quickly, making a mess of your home and your finances. Even if your urge to Amazon isn’t yet a financial drain, it may well be a time suck.

Tidying up your online shopping habits can make you more productive, if not more fiscally responsible. Try these tricks to hamper your internet purchasing impulse.

1. Unsubscribe and unfollow

“Cleanse your inbox and unsubscribe from any notifications … that encourage you to shop,” says Natasha Rachel Smith, a personal finance expert at TopCashBack.com, a website that offers rewards to shoppers who buy through the site.

Makenzi Wood’s kryptonite: Amazon Daily Deal emails. After she racked up more than $1,000 in six months — on everything from jewelry to clothes to hair extensions — she unsubscribed.

Wood, a marketer and author of the personal finance blog Picky Pinchers, also unfollowed brands on social media and used Unroll.me to unsubscribe from junk email in bulk and “rollup” other subscriptions into one daily email — rather than dozens of daily emails.

“I have lizard brain. I need to check emails immediately,” Wood says. “If I batch my emails with that tool, it doesn’t catch me by surprise as much and I’m able to evaluate it more logically.”

Services like Unroll.me have broad permissions to “read, send, delete, and manage your email” and may share your data anonymously. If you’re not comfortable with that, do things the old-fashioned way — unsubscribe individually. Promotional emails typically have a link at the bottom that you can click to shut off emails from that retailer or adjust their frequency.

2. Turn off app notifications

Retail apps can be a great way to save money. They can also be a trigger for impulse shopping, sending push notifications to your smartphone to alert you to sales.

If the pull of that push is too hard to resist, turn it off. Some apps give you the option to do this when you sign up, while others require you to go to your settings (typically a gear icon) or account profile to disable notifications.

3. Make checkout difficult

Websites offer to store your payment information for a reason: They know the easier it is to check out, the more likely you are to complete your purchase.

Add some friction back into the process by removing saved payment information from your favorite sites. And keep your wallet out of reach, so you’ll have to walk across the room to get your cards — then manually enter your account number — to check out.

You can take this a step further and enlist a trusted friend or family member to hold on to your cards. Strong emphasis on “trusted.” Wood locked her cards in a safe — at her now-husband’s apartment — for six months.

“This way, if I wanted my card I had to go over there and explain to someone why I needed my cards.”

4. Institute a waiting period

“If ever you feel the temptation to buy something, go ahead and add it to your cart,” says money-saving expert Andrea Woroch. “The simple act of filling your online cart is often enough to satisfy that urge to splurge.”

Woroch suggests letting your stash sit in your cart for at least 24 hours before completing the purchase.

Too tempted by a full cart? Put your finds on a wish list or set up price alerts. Michelle Madhok, an online shopping expert and founder of the deals site shefinds.com, uses the website Shopstyle for this.

“I do this all the time when a new season starts,” Madhok says. As the season wears down, she gets alerts for pieces she flagged at the start. “Frequently by that time I don’t want the item anymore.”

The article 4 Ways to Curb Your Online Shopping Enthusiasm originally appeared on NerdWallet.

Preparing a Disaster Kit

The number of natural disasters, particularly weather-related disasters, appears to be rising each year. (See the Economist https://www.economist.com/blogs/graphicdetail/2017/08/daily-chart-19) If you live in a hurricane-, earthquake-, or flood-prone area, you know you may only have seconds to get to safety. Since help may not arrive immediately, it’s important to be ready for the aftermath of a disaster.

To prepare for such an event, create your own disaster supply kit, something you can grab quickly and easily as you head to safety. The kit should contain enough food, water, and other vital supplies to help you for at least 72 hours.

Your disaster kit should contain:
• Water – one gallon of water per person per day for at least three days, for drinking and sanitation
• Food ¬– at least a three-day supply of non-perishable food, including food for your pet.
• Manual can opener for food
• Any prescription medications
• Radio (hand-cranked or battery-powered – make sure you have extra batteries)
• Flashlight (hand-cranked or battery powered – make sure you have extra batteries)
• First aid kit
• Whistle to signal for help
• Dust mask
• Plastic sheeting and duct tape to create a shelter
• Moist towelettes, garbage bags, and plastic ties for personal sanitation
• Wrench or pliers to turn off utilities
• Local maps
• Cell phone with chargers and a backup battery
• Copies of important papers in a sealable, waterproof bag.

Store your items in a plastic bin or duffel bag and place it in an easily accessible place. If your work is far from your home, you may want to create a separate disaster kit for your car.

No one likes thinking about calamities, but giving a thought to a disaster prep kit now may save your life later. To get more helpful advice, go to http://www.ready.gov.

Copyright 2018 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.