Royal Baby birth livestream: Meghan Markle, Prince Harry welcome baby boy | ABC News Special Report

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Build your own lightsaber or master ‘Star Wars’ special effects with these $20 online courses

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As a long-time Star Wars fan, you’ve likely celebrated countless May the Fourths with all of the binge-watching, merchandise buying, and arguing over conspiracy theories possible.

This year, take a step further into your favorite universe: Udemy offers several Star Wars-themed online courses to give hardcore fans a hands-on way to commemorate their favorite franchise. You can learn to build your own lightsaber, use Adobe to create realistic special effects, or play the Star Wars main theme on the harmonica. 

SEE ALSO: Save $ 10 on LucasFilm-approved lightsabers at ThinkGeek with code

The skills will be a step up from wowing a child with how fast you can build an X-Wing out of Legos, but patience you must have, young padawan. Read more…

More about Star Wars, May The Fourth, Lightsaber, Mashable Shopping, and Shopping Solo


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AP Explains: Why this Ebola outbreak is a special challenge

AP Explains: Why this Ebola outbreak in Congo is especially challenging, 1,000 deaths in
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

A former special representative confirms he signed an agreement to pay North Korea $2 million for the release of Otto Warmbier

Joseph Yun, the former State Department Special Representative for North Korea, confirmed Monday that he signed an agreement to pay North Korea $ 2 million for the release of American student Otto Warmbier in 2017.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Kaiser Permanente facility achieves special membership

DOWNEY, Calif. — Kaiser Permanente Pediatric Care Center, Downey, has been accepted for membership into the Children’s Hospital Association — the voice for more than 220 children’s hospitals nationwide. It joins Kaiser Permanente Southern California’s two other pediatric care centers at Los Angeles and Fontana as members of the organization. All three locations provide highly-specialized inpatient pediatric medical care involving complex procedures and treatments.

The Children’s Hospital Association advances public policy that enables hospitals to better serve children and build awareness of child health issues. It is the premier resource for pediatric data and analytics driving improved clinical and operational performance among its member hospitals.

“Participation in the Children’s Hospital Association offers us access to a network of institutions and people who understand the unique health care needs of children,” said Jim Branchick, senior vice president and area manager, Kaiser Permanente Downey Medical Center. “We look forward to collaborating with our peers and the children’s hospital industry, as well as adding our voice to advocate on behalf of all children.”

Kaiser Permanente Pediatric Care Center, Downey, is setting the standard for the highest quality pediatric care to Kaiser Permanente members in the southeast Los Angeles County area. “It was established as a tertiary pediatric care location in 2017 and designed to allow physician specialists, nurses, and other providers to work more efficiently and effectively as a coordinated and specialized pediatric care team, providing the right care at the right time in the right location by the right providers,” said Dr. James Tan Lee II, area medical director, Kaiser Permanente Downey Medical Center.

The Kaiser Permanente Pediatric Care Center, Downey, is also equipped with the most advanced technology related to pediatric care. Combining these specialized professionals with technologically advanced resources enriches the care children receive while in the hospital and allows for even healthier medical outcomes.

“We are pleased to welcome the Kaiser Permanente Pediatric Care Center, Downey and look forward to its active involvement,” said Mark Wietecha, Children’s Hospital Association president and CEO. “Our hospital members are the backbone of the nation’s pediatric health care infrastructure. With them, we are committed to providing the highest quality care and developing innovative solutions to impact the future of children’s health and health care.”

Children’s hospitals represent 5% of all hospitals and provide a disproportionately large share of the nation’s pediatric acute clinical care. Children’s hospitals are also vital centers of primary and specialty pediatric medical education and are leaders in pediatric research. 

Kaiser Permanente Downey Medical Center also received a Women’s Choice Award® for “Best Children’s Hospital” in 2019.


About the Children’s Hospital Association
The Children’s Hospital Association is the national voice of more than 220 children’s hospitals, advancing child health through innovation in the quality, cost and delivery of care.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 12.2 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. 

Contact
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Porsha Williams Talks About Her Special ‘Porsha’s Having A Baby’ On Fox5

Porsha Williams just has an interview on Fox5 about her spinoff special called ‘Porsha’s Having A Baby.’ She talked about the show, pregnancy, snapback and more. Here are the videos that she shared on her social media account.

Fans can see the special edition on April 28.

Someone asked Porsha: ‘Are we gonna get to see baby PJ’s face after your Bravo special airs? I wanna see her 😍 But, I also understand if you don’t plan to show her on social media.’

Another follower said ‘Yasss. Strong enough to bear the children, then get back to business.😍

One fan posted this: ‘I just love you. Your whole aura….I have always rooted for you, even when everyone on the show misunderstood u….I’ve been there myself.’

A supporter calls Porsha an inspiration: ‘Always love you Porsha… Your growth over the year on RhOA is truly an inspiration…👍👍👍😊😊😊

Someone also addressed Porsha’s snapback game: ‘Love that you embracing yourself and looking good doing the snapback is gonna be epic because you’re taking your time to care for the baby and yourself… 🙌🏾

A fan said that Porsha deserves the great life that she has been living for a while: ‘You deserve all the happiness Porsha! Its been a long time coming 👏❤❤

Porsha has recently shared a photo in which she’s rocking an outfit from her own clothing line, and fans are here for it again.

But, she also managed to spark a debate in the comments regarding her body after giving birth to baby PJ.

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Those close to the President say he is furious at the people whose interviews with the special counsel created the epic depiction of a chaotic White House

By the time President Donald Trump had passed through the prime rib buffet at Mar-a-Lago on Thursday to sit for dinner with family and a top aide, the damning picture Robert Mueller’s report painted of his presidency had become clear.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Ashanti, Ciara, H.E.R. To Honor Moms On VH1 Mother’s Day Special

VH1’s annual Dear Mama: A Love Letter to Mom returns May 6 with special performances and tributes from artists including Ashanti and H.E.R. Both will take the stage to sing and shout out their mothers who have shaped their massive career success.

Ciara, on behalf of #SeeHer, will honor deserving moms who have helped spread the group’s mission of increasing representation of women and girls in advertising and media, Billboard reports.

 

Additional talent will be announced in the coming weeks.

A-listers who have honored the leading ladies in their lives at past “Dear Mama” events include Alicia Keys, Will Smith, Halle Berry, Queen Latifah, Mary J. Blige, Ludacris, DJ Khaled, Kelly Rowland, Robin Thicke, Chris Paul and Maxwell.

Dear Mama: A Love Letter to Mom will take place at The Theatre at the Ace Hotel in downtown Los Angeles and will air on May 6 at 10 p.m. ET/PT on VH1.

In related news, Ashanti is recently opened up about death of her friend and beloved rapper Nipsey Hussle, who was shot and killed on March 31 outside his clothing store in South Los Angeles.

“I’m still little bit in disbelief,” Ashanti shared in a recent interview with ET Live. “Going to the funeral, I think it shocked me a little bit and it became a reality, seeing the casket on the stage. It was like everyone stood back like, ‘This really happened,’ and it just shows you that life is so short and so precious.”

She also recalled his support through her recent battle with an illness, which delayed their plans of hitting the studio together to work on new material.

“Nip was always helpful. It’s funny because I was looking at some of the last texts that we had, and I was recording at his studio and was like, ‘Nip, I don’t think I’m gong to make it tonight. I have allergies, I’m sneezing, I got a headache,’” she shared. “He was like, ‘Oh I got these herbs that are really good for you! I know where you can get some good stuff!’ And he was sending me links and like, ‘Sis, I got you, you gotta try this.’ And it just made me sad because he was such an amazing spirit. His heart was pure and he was always willing to help and always really positive.”

PHOTO: PR Photos


HEAD BACK TO THE BLACKAMERICAWEB.COM HOMEPAGE

 

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‘Special’ creator Ryan O’Connell: ‘There’s such ignorance around disability’

Actor/writer Ryan O’Connell, who has cerebral palsy, wants to change the way we talk about disabilities — and he’s hoping to do that with “Special,” his new Netflix sitcom premiering Friday. “When people see me in public, they think I have limited cognitive ability; they think I can’t do certain things,” says O’Connell, 32, who’s…
Entertainment | New York Post

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DeVos reverses course on Special Olympics cuts after Trump orders funding

Education Secretary Betsy DeVos spent three days defending her plan to eliminate Special Olympics funding from next year’s budget.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

BroadwayRadio Special: Interview with Andrew Lippa

Andrew Lippa chats with Matt Tamanini and James Marino about his newest project, “Unbreakable” [display_podcast] Guest: Andrew Lippa Spanning 120 years of unsung history, Unbreakable is an epic choral work exploring the gay experience in America through the words and music of Andrew Lippa. It was recorded live at its read more
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Wm Morrison Supermarkets FY18 Pretax Profit Declines; Proposes Special Dividend

Morrison(Wm.)Supermarkets PLC (MRW.L) on Wednesday reported profit before tax of 320 million pounds for the 52 weeks ended 3 February 2019, down 15.8 percent from 380 million pounds in the previous year. Earnings per share were 10.11 pence, down from 13.03 pence a year ago.
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Gayle King Faces Down R. Kelly: ‘What Makes You So Special?’

CBS News

Gayle King, host of CBS This Morning, stared down R. Kelly as he loomed above her—ranting and shouting—during an interview about the numerous abuse accusations leveled against him.

King maintained her composure throughout, telling the R&B star to his face that his account lacked credibility.

The veteran interviewer posted an Instagram shot of Kelly towering over her during the interview as he shouted “You don’t want to believe this!”

Read more at The Daily Beast.

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Trump attacks special counsel Robert Mueller’s credibility, and disparages his former attorney general, former FBI director and others in two-hour speech

President Donald Trump attacked special counsel Robert Mueller’s credibility Saturday, disparaging former Attorney General Jeff Sessions and former FBI Director James Comey as Washington waits for Mueller’s report in the coming weeks.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Holy cow: Aukey fast wireless chargers are somehow only $10 each with this special coupon

Wireless Charger Sale On Amazon

If you have a smartphone or anything else that supports wireless charging, today is your lucky day. The AUKEY Qi Fast Wireless Charger is as good as any other fast wireless charging pad out there. It supports 5W standard charging, 7.5W fast wireless charging for iPhones, 10W fast wireless charging for Android phones, and it’s made by Aukey so you know the quality is top-notch. Use the coupon code 5YMQ2JL2 at checkout, and you can snag one for only $ 10! That’s the best price we’ve ever seen on any fast wireless charger from a reputable brand, and it’s a deal that will definitely sell out soon.

AUKEY Qi Wireless Charger, Fast Wireless Charging Pad with 10W, 7.5W & 5W Output Levels, Compat…: $ 10.02 (use code 5YMQ2JL2)

Here’s more info from the product page:

  • Wireless Charging: Fast charge your modern Qi-compatible Android phone at 10W (when using Samsung’s Fast Charging wall charger or a Quick Charge 2.0/3.0 charger) or your iPhone XS / XS Max at 7.5W. Also supports 5W standard wireless charging
  • Premium Design: With soft TPU charging surface and elegant metallic edge, this slim & compact wireless charger looks great on any desk or nightstand. Ideal for home or office phone charging
  • Safety Features: Temperature control, foreign object detection, power input monitoring, and more ensure safe & reliable operation
  • Broad Compatibility: Works with all Qi-enabled devices including iPhone XS / XS Max and Samsung Galaxy S9 / S9+, even through most cases (thickness less than 3mm/0.12”). Non-wireless-charging devices require a wireless charging adapter (not included)
  • Package Contents: AUKEY LC-C6 Graphite Lite Q 10W Wireless Fast Charger, Micro-USB Cable, User Manual, 45-Day Money Back Guarantee and 24-Month Product Replacement Warranty Card

AUKEY Qi Wireless Charger, Fast Wireless Charging Pad with 10W, 7.5W & 5W Output Levels, Compat…: $ 10.02 (use code 5YMQ2JL2)

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  1. Aukey fast wireless chargers are somehow only $ 10 each today

Aukey fast wireless chargers are somehow only $ 10 each today originally appeared on BGR.com on Wed, 27 Feb 2019 at 07:54:13 EDT. Please see our terms for use of feeds.


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The House intel chair says he’s willing to sue if the special counsel’s report isn’t made public

House Intelligence Committee Democrats are willing to compel Special Counsel Robert Mueller to testify before their panel and sue the administration if that’s what it takes to make public Mueller’s report on his investigation into possible Russian involvement in the 2016 election.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Here’s your look at the Entertainment Weekly special issue…

Here’s your look at the Entertainment Weekly special issue cover featuring Marvel Studios’ “Captain Marvel”! Read more: https://bit.ly/2T1buXN

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Special counsel says Paul Manafort deserves up to 24.5 years in prison for financial crime

Prosecutors on special counsel Robert Mueller’s team intend to file a sentencing recommendation in the Paul Manafort case Friday.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Judge voids Paul Manafort plea deal, says he ‘intentionally’ lied to the FBI, special counsel and grand jury

Paul Manafort, President Donald Trump’s former campaign chairman, lied to special counsel Robert Mueller, a federal judge ruled Wednesday.


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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

4 Financial Steps to Take if You’re Raising a Child With Special Needs

Raising any child is expensive, but when you’re raising a child who has special needs, there are additional financial responsibilities to consider.

The cost of doctor’s visits, therapy appointments, medication and special equipment add up. The amount of time needed to provide care may restrict you or your partner from working outside the home — or even at all.

Depending on your child’s condition, you may need to provide them with lifetime support.

It can be overwhelming just dealing with the medical and emotional aspects of your child’s particular challenges. Here’s what to know so that your finances don’t add to that stress.

Apply for Government Benefits

After your child is diagnosed, you’ll probably want to speak with a social worker who can help you understand what assistance may be available to your family and how to apply for that aid. Your child’s physician may be able to recommend a social worker, or you can contact your city or county department of social services.

A special needs attorney can also assist you. Robert Fechtman is a special needs attorney in Indiana and the president of the Special Needs Alliance, a national organization made up of attorneys who specialize in disability and public benefits law. He helps families navigate the public benefits system and plan for their children’s futures.

Fechtman said families may qualify for financial assistance through Social Security.

The Social Security Administration gives out Supplemental Security Income, also referred to as SSI, to children with qualified medical conditions whose family’s income falls under a certain threshold. The amount of assistance, which is given out monthly, varies from state to state.

Once your child reaches adulthood, he or she may also be able to receive Social Security disability benefits, which the administration gives out when an adult isn’t able to work due to a medical condition.

Depending on your family’s income, your child may also be able to qualify for free health insurance through Medicaid. Oftentimes if your child qualifies for SSI, he or she would also qualify for Medicaid. The Children’s Health Insurance Program, or CHIP, is available for families that make too much money to qualify for Medicaid but still can’t afford private health insurance.

The Fouche family of Ocala, Florida, qualifies for both Medicaid and SSI to cover costs for their 10-year-old daughter, Hannah, who has cerebral palsy. Vicki Fouche, Hannah’s mother, says the government aid has been a blessing for their family, but she worries that if her husband made more money, they’d lose those benefits and have more out-of-pocket expenses.

A mother puts shoes on her daughter as her daughter is playing on an iPad.

Families that don’t qualify for publicly funded medical insurance might find an affordable health insurance provider via the Health Insurance Marketplace at HealthCare.gov. Open enrollment has ended for 2019, but you can enroll if you have a qualifying life change, such as if you recently lost health insurance.

Fechtman also tells his clients to apply for Medicaid waivers, which allow those in need of long-term care to get free health care in home settings instead of a nursing facility. Children with special needs may qualify regardless of their parents’ income or assets. Each state operates its own Medicaid waiver program.

Fechtman said that many times, families aren’t aware of these waivers. There are often waitlists for applicants, so it’s generally one of the first things he brings up when meeting with new clients.

Families struggling with their finances should also check to see if they qualify for other public benefit programs, such as Temporary Assistance for Needy Families (TANF) or the Supplemental Nutrition Assistance Program (SNAP). TANF provides monthly cash assistance for families, while SNAP provides money specifically for buying food. Both are income-based programs.

Set up a 529 ABLE Account or a Special Needs Trust

When you’re applying for government aid, the administering agency will typically have rules about how much income your family can earn and how many assets you can own. Money in a traditional checking or savings accounts could restrict a family from receiving public benefits.

However, Fechtman said parents can save money in a 529 ABLE account or a special needs trust, and those dollars won’t count toward a family’s assets.

ABLE accounts are tax-deferred similar to 529 college savings accounts. However, ABLE account funds can be used for more than just education. Fechtman said qualifying expenses also include health, wellness and transportation expenses for a child with a qualifying disability.

According to SavingforCollege.com, families can withdraw the money tax-free and can have up to $ 100,000 in the account without it affecting the child’s eligibility for SSI benefits.

The annual amount that could be contributed to an ABLE account in 2018 was $ 15,000.

Fechtman said it’s relatively inexpensive to open and maintain an ABLE account. However, one downside is if the child dies, the money in the account must go to reimburse whatever state provided Medicaid benefits for the child.

Families that save money for a child in a special needs trust don’t have to worry about those savings going to reimburse the state. A special needs trust is a legal arrangement set up to hold money for someone with a disability so that the person can continue to receive public benefits. The trustees — those who manage the trust — generally have few restrictions on how the money in the trust is used as long they don’t interfere with the beneficiary receiving government assistance.

Another difference between the two money-saving vehicles is the cost, which varies depending on factors such as who sets up the account and what state you live in.

Fechtman said an attorney might charge around $ 1,500 to draft a special needs trust. However, families can also join a pooled trust managed by a nonprofit organization, which could cost half that. Setting up an ABLE account could cost as little as $ 50.

Look Into Assistance from Nonprofits

Government programs aren’t the only source of assistance. Nonprofit organizations also provide help to families struggling financially.

Here are just a few organizations that help families in need:

  • The HealthWell Pediatric Assistance Fund provides financial assistance for families whose health insurance doesn’t cover the critical medical treatments their children need.
  • The UnitedHealthcare Children’s Foundation issues grants to help children get medical services that aren’t fully covered by their private health insurance.
  • The Different Needz Foundation provides grants for families so they can get medical equipment or services.
  • The M.O.R.G.A.N. Project has a pediatric disability equipment exchange program that lets families receive donated medical equipment for free.
  • Ronald McDonald House Charities provides families with places to stay when they have to travel so that a child can receive extended treatment at a hospital away from home. Families may be asked to make a donation of up to $ 25 per day, but no family is turned away if they can’t pay.

Organizations like United Way and the Salvation Army also help families struggling financially — not just those with special needs children.

Think About the Future

No parent wants to think about a situation where they aren’t alive to care for their child, but it’s important to prepare for — especially if your child has special needs.

“Every person who’s got a disabled child is horrified by the notion that they’re going to die before that child and that the child won’t have the care and support and everything that the parents provide,” Fechtman said.

Having a will is a given. But Fechtman said the will should direct inheritance money to a special needs trust so that the child can continue to qualify for public benefits.

Designating who will become the child’s guardian is also key, he said. Parents should look for someone who would be able to provide proper care for their child.

In addition, Fechtman said parents should have an adequate amount of life insurance to provide for their family in the event of their untimely death.

He recommends parents — specifically those in a two-parent household — get a survivorship life insurance policy, also known as a second-to-die life insurance policy. It covers both parents, but it doesn’t pay out until both parents are deceased.

One benefit of this type of policy is that premiums are generally much lower than for other policies. Another benefit is that coverage lasts until the policyholders die — unlike term life insurance, which ends after a certain number of years. This is especially important for parents who have special needs children, because those children may not be able to be independent and support themselves once they reach adulthood.

Of course, single parents wouldn’t be able to open this type of policy, and it may be insufficient if one parent is the household’s sole income earner.

“If you only have one breadwinner, you’d need to have individual insurance on that breadwinner,” Fechtman said. “Maybe you’re lucky enough that they have some kind of life insurance through work, so maybe you wouldn’t have to run out and get a seperate policy.”

The important thing is to have a plan in place so that your child is financially taken care of no matter what.

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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How This Family Lives Off $45K/Year While Raising a Special Needs Child

On a late November afternoon, Vicki Fouche heats up slices of frozen pizza in the toaster oven for lunch.

Her daughter Hannah, 10, waits at the dining room table in their Ocala, Florida, home.

Hannah has challenges eating on her own. She was diagnosed with cerebral palsy, a neurological disorder that affects motor skills, muscle tone and movement, when she was 6 months old.

Vicki, 48, places two plates in front of Hannah. “Look here. Which pizza do you want? Do you want ‘The Lion King’ or Olaf?” Vicki asks, referring to the Disney characters decorating each plate. “Which would you like? Lion King? Olaf?”

Hannah replies with just a sound — one that would be incomprehensible to most. But without any words exchanged, her mom knows what’s wrong.

“You don’t want either one?” she guesses. “You want pretzel bites?”

Hannah utters another obscure sound.

“You’re a pain in the butt, do you know that?” Vicki jokes, and she whisks the plates away from Hannah, handing a pizza slice off to Hannah’s 21-year-old sister, Bethany.

Vicki heads back to the freezer to get some pretzel bites, one of Hannah’s favorite foods.

When Hannah’s lunch is heated, Vicki brings a plate over to Hannah, whose attention is fixed on the iPad in front of her. Vicki proceeds to cut the pretzel bites into small pieces and feed her.

Hannah’s condition is hypotonic, meaning she has low muscle tone — specifically in her head, neck and trunk. She can’t stand on her own, walk or talk.

Hannah has the cognitive abilities to communicate; she just lacks the physical abilities to speak more than a few words. She uses an app on her iPad that lets her select words and phrases to speak aloud for her. In fact, Vicki says Hannah often uses the app to request pretzel bites.

There are many variations of cerebral palsy. For some, the disorder has a minimal effect on their lives. Others require around-the-clock care.

An older sister helps her little sister find a game on her iPad.

According to the Cerebral Palsy Alliance Research Foundation, 1 in 323 U.S. babies are diagnosed with cerebral palsy. There is no known cure for the disorder, which affects approximately 17 million people across the globe.

Hannah’s physical challenges mean that Vicki and her husband, Tim, have to care for Hannah in ways similar to caring for an infant. They feed her. They bathe her. They carry her down the hallway and lift her into her safety bed, which resembles an oversized crib.

Hannah’s parents also shoulder all the financial responsibilities of raising a child with cerebral palsy.

The Fouches are a family of five living off less than $ 45,000 per year. Though Bethany, their oldest daughter, doesn’t live at home anymore, Vicki and Tim have a 6-year-old daughter, Mikayla, and they took in their 15-year-old niece, Naomi, last summer.

Tim, 48, who works as a residential construction estimator for a custom home builder, is the family’s sole breadwinner.

“I work hard,” Tim says. “As a husband and a dad, you try to maintain a balance of working and being there for your family, too, at the same time. When you do that and you still feel like you’re falling short at the end of the month… it gets frustrating sometimes.”

Why Making More Money Isn’t an Option

A married couple sit at their kitchen table discussing finances.

The family qualifies for Medicaid and Social Security benefits for Hannah, plus a scholarship that covers home-schooling expenses. But Vicki says she’s scared of the possibility of losing that assistance if her husband makes more money.

“We’re [between] the proverbial rock and a hard place,” she says.

The Fouches know other families with disabled children that don’t qualify for assistance and aren’t able to get certain treatment or equipment covered under their private insurance.

“If [Tim] were to make more money and then they took [Medicaid away], it would cost us more in the long run,” Vicki says.

Vicki usually handles paying the bills and budgeting for the family since Tim works full time.

“How she does it, I don’t know,” Tim says. “She takes something out of nothing, and she pays the bills. But it’s a struggle every month.”

The Fouches have between $ 10,000 and $ 15,000 in credit card debt. They’ve used their credit cards when unexpected expenses came up, such as when the transmission went out in their minivan last year. They’ve made home-schooling purchases on credit, only to later find out Hannah’s scholarship wouldn’t reimburse the expense.

Every year, they like to put money aside from their tax refund to save for emergencies. Unfortunately, that doesn’t stretch through the year. They don’t have any other financial safety net.

“We never have money to save,” Vicki says. “We’re lucky that we have enough to pay our bills.”

Medicaid Helps… but It Has Limits

Each week, Hannah sees a speech therapist, physical therapist and occupational therapist. She also participates in therapeutic horseback riding. Because of assistance, the Fouches don’t have to pay out of pocket for any of that.

The Fouches have also gotten some of Hannah’s equipment paid for through Medicaid: an electric wheelchair, a manual wheelchair, a walker, a shower chair and Hannah’s safety bed, plus her nutritional drinks and diapers.

“We’re very, very blessed,” Vicki says.

But Vicki says the diapers Medicaid covers for Hannah leak easily. The electric wheelchair has malfunctioned several times.

Hannah never felt comfortable in the first shower chair they were able to get through Medicaid when she was little, so her father built one out of PVC pipe and trampoline material.

Vicki says she’s glad her husband is so handy. He also built a makeshift wheelchair ramp for their front door and widened the entrance into their kitchen so Hannah’s wheelchair could fit through.

A daughter is bathed by her mother.

Getting requests approved through Medicaid can be challenging, Vicki says. She says the agency requires in-depth explanations about why they need certain equipment or therapy and how Hannah will benefit.

And even when something is approved, the family sometimes still has to pay for part of it. Last spring, for example, Hannah received three weeks of intensive therapy at a facility in Melbourne, Florida. Medicaid covered the cost of the therapy, but the family had to pay for travel and lodging, since the facility was three and a half hours from home.

The family sold bracelets as a fundraiser and made about $ 2,300.

“We ended up having to come up with some of it out of our pocket,” she says. “We raised most of it, but not [all].”

A Plan Abandoned

A mother pushes one daughter in a shopping cart and the other daughter in a wheel char as she grocery shops at Sam's Club.

Vicki used to work as a Girl Scouts program coordinator, but high day care costs caused her to become a stay-at-home mom after having Hannah. She thought it would be temporary and that she’d go back to work once Hannah started kindergarten. Then, she got unexpectedly pregnant with Mikayla.

Vicki had her tubes tied after that pregnancy. With Hannah in school, Vicki’s new plan was to go back to work once Mikayla was in kindergarten. But then Hannah started having troubling experiences at school.

“She came home one time with rug burn on her cheek, a black eye, a split-open lip, and they say she fell over at circle time,” Vicki recalls, saying she suspects Hannah fell off a changing table instead. “She would come home 90% of the time with her lunch [uneaten].”

The Fouches were concerned their daughter wasn’t getting proper care at school. Two weeks before Hannah was going to start third grade, her parents told her she’d be going back to school soon. She cried hysterically.

“What kid at 8 years old hates school so bad?” Vicki asks.

So the Fouches made the decision to home-school their girls, and Vicki abandoned her plan to return to work. Though Vicki does a lot for her family, she sometimes feels bad that she isn’t able to earn an income. However, Tim says he’s very thankful for the role she’s taken on.

“[It’s] worth a whole lot for her to be with our children, to keep them safe and [see to it] that they’re taken care of and getting a good education,” he says.

That’s not the only sacrifice the Fouches have had to make.

A girl with cerebral palsy rides on a horse as part of a therapy session.

Vicki says they choose not to go to places as a family that aren’t accommodating for Hannah, like the playground or the fair. If Mikayla wants to go, she has to wait until one parent can stay home to watch Hannah.

The Fouches try to make sure Mikayla gets to do things she likes — such as gymnastics and T-ball — but the money isn’t always there for her to participate. Vicki says they had to charge T-ball registration fees to their credit card. They pay per class for gymnastics, and when money is tight, they’ll just skip it for the week.

One special treat the entire family enjoys is going to Disney World, which is only about an hour-and-a-half drive from their home. Last year, the Fouches had annual passes. They got them as a Christmas gift for the girls and paid for them in monthly installments. However, Vicki says they decided not to renew the passes for this year after Disney raised its prices.

“That’s been really frustrating,” she says. “That’s really the only thing that we do with the kids… Hannah doesn’t feel disabled at Disney. She can go on all the rides. She can’t do that at all the other parks.”

Their Plans and Dreams for an Uncertain Future

About a decade ago, when Hannah was diagnosed with cerebral palsy, Vicki remembers the doctor explaining the diagnosis twice.

“I guess most people get hysterical and we didn’t, so the doctor [asked], ‘Do you understand what I’m saying to you?’” she says.

But Vicki and Tim knew something serious was wrong with Hannah. Their infant daughter wasn’t meeting typical milestones for her age. Unbeknownst to each other, they both had suspected it was cerebral palsy.

Instead of being devastated, they were grateful Hannah didn’t have a terminal illness, but rather a disorder that can improve over time through therapy.

And the Fouches have seen Hannah progress over the years. She can sit up unassisted, whereas before her body wasn’t strong enough to support itself.

One speech therapist told the Fouches that Hannah would never be able to work a communication device.

“She said she would never be strong enough to push the buttons on the communication thing,” Vicki recalls. “And yeah, this kid’s a whip on the iPad. It’s not even funny.”

A mother comforts her daughter at a doctor's appointment.
A family comfort one of the girls as she cries in bed.

In early December, Hannah was fitted for a leg brace that will keep her body from folding up in her sleep. Since she can’t control her limbs, it can be dangerous if she bends herself in half overnight, causing her to hurt herself or even block her breathing. Hannah often sleeps in her worried parents’ bed so they can closely monitor her.

A few weeks after getting the brace, Tim says she’s still having trouble adjusting to it. Hannah’s therapist suggested putting the brace on for an hour or two in the evening and working their way up to using it while she sleeps. Once Hannah is able to use the brace overnight and transition to her own bed, her parents will be able to get a more restful night’s sleep.

There’s still other equipment the Fouches wish Hannah had to better her life.

They’d love for Hannah to have a mobile stander, a device that would help her stand and move around without having to support her own weight.

“We can stand her for a little bit… but the last couple times we had her in her walker, she’s gotten so overheated, she’s thrown up,” Vicki says.

A father carries his daughter to the living room.

Having a device that doesn’t make Hannah strain to support herself would be ideal. Being in a wheelchair so often causes Hannah to have poor circulation in her legs.

However, Vicki says Medicaid won’t cover the mobile stander, because Hannah already has the electric wheelchair. She says it’d cost $ 5,600 to pay for out of pocket — money the family doesn’t have.

She also says it’d be wonderful to have a hoist system in the house to lift Hannah up. At 60 pounds, Hannah isn’t easy to carry anymore.

“I’m scared I’m going to fall with her,” says Vicki, who had to be hospitalized twice last year after bad falls. Luckily, she wasn’t carrying Hannah on either occasion.

A father sleeps on the couch in his living room.

The Fouches also wish they had a handicap-accessible van, but they can’t afford one. Vicki said even getting their current minivan converted to be wheelchair accessible would cost around $ 15,000.

Instead, they have to lift Hannah into the minivan, and they use her manual wheelchair when they go out.

Hannah’s only 10 now, but Tim and Vicki have thought about what her life will be like as she gets older. It’s uncertain what Hannah will be able to do on her own once she reaches adulthood.

“If we could have one wish for her… I would really hope at some point that she could be able to speak,” Vicki says. “I think that would make a huge difference for her, instead of having to rely on a communication device. I don’t know if that will ever happen — and if it doesn’t, it’s fine — but if I had a choice between her walking or speaking, I’d rather have her speak.”

One thing Vicki and Tim do know is that they never want to place Hannah in a nursing home. The Fouches say their faith in God gives them strength to handle all the challenges that come their way.

Overall, Vicki’s greatest hope for her daughter is one most parents have for their child.

“I just want her to have as [good of] a life as she can,” she says.

A mother and daughter laugh together at home.

If you are raising a child with special needs, learn more about how to plan financially for your child’s future.

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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Dwyane Wade may be retiring at the end of the NBA season, but Bleacher Report is making sure his fans have some memorabilia to help send him off in style.
The online sports site today will debut the D. Wade World Tour collection, an exclusive line of apparel designed to commemorate the basketball star’s career.
The collection of T-shirts, long-sleeve shirts, hoodies and hats is intended to highlight major moments in Wade’s life and include images of him as a child as well as some of his career milestones printed on the back of the pieces to mimic concert tour merchandise.
Prices range from $ 30 for a Dad hat and $ 35 for a T-shirt, to $ 45 for a long-sleeve shirt and $ 75 for a hoodie.
The line will be promoted through an advertising and social media campaign by both Bleacher Report and Wade that will include a concert tour-style photo shoot with the Miami Heat player.
“I have been closely involved in every step of the design process of this very personal collection,” Wade said. “My fashion partnerships have always been an authentic reflection of who I am. It’s been a joy to look back at my career and incorporate very special moments into the

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Special Episode: Lewis J. Stadlen Talks Touring with Betty Buckley in “Hello, Dolly!”

Lewis J. Stadlen Discusses Chemistry with Betty Buckley, Touring at a Certain Age, and Why He Was Afraid of “Penny in My Pocket”! LEWIS J. STADLEN as HORACE VANDERGELDER Lewis J. Stadlen is the recipient of the Irish Times Award for his performance in Arthur Miller’s The Price at Dublin’s read more
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WATCH: World News 11/18/18: Trump Says He Has Completed His Answers for Special Counsel Robert Mueller

The Senate race is officially over after a mandatory recount in Florida; Monica Lewinsky opening up about her affair with President Bill Clinton
ABC News: World News Tonight

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

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Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

ASPCA to reward special animals including the dog who helped located Subway sandwich pitchman Jared Fogle’s porn stash

The dog who helped sniff-out Subway pitchman Jared Fogle’s kiddie porn habit will lead a list of furry honorees at Thursday’s ASPCA Humane Awards Luncheon.

Bear, a once-homeless mutt who helped authorities locate digital storage items in a search of Fogle’s Indiana home, is the ASPCA’s Public Service…

/entertainment – New York Daily News

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Todd Gurley’s special play shows winning football still exists

If only Todd Gurley had performed a backflip into the end zone — while blowing kisses, flexing his muscles then pounding the ball against the nearest wall. Last Sunday Gurley provided indisputable evidence that it’s OK — even wise — to play thoughtful, winning team football, to play like a professional. Of course, he was…
Sports | New York Post

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Shaun White Apologizes to Special Olympics for ‘Insensitive’ Costume

Professional snowboarder Shaun White expressed regret after dressing up for Halloween as Simple Jack, Ben Stiller’s disabled character in the 2008 film Tropic Thunder.

“I owe everyone in the Special Olympics community an apology for my poor choice of Halloween costume the other night,” White, 32, wrote in a statement posted on his Twitter account on Monday, October 29. “It was a last minute decision. It was the wrong one. The Special Olympics were right to call me out on it. They do great work supporting so many athletes and I am sorry for being insensitive. Lesson learned.”

The three-time Olympic gold medalist showed off his costume two days earlier in a since-deleted post on Instagram. The Special Olympics condemned it soon after.

“We are truly disappointed that Shaun White, an acclaimed Olympian, would choose this costume which is so offensive and causes so much pain,” one of the organization’s cofounders, Soeren Palumbo, said in a statement to HuffPost. “Disability is not a joke nor should it be a punchline. We hope that Shaun White and others learn that this just continues stigma, stereotypes and discrimination.”

After White apologized on Twitter, the Special Olympics replied, “Thank you @shaunwhite for listening to our community. You always have an invitation to shred with our athletes at #XGames Aspen!”

Tropic Thunder was widely criticized and boycotted by disability advocacy groups around the time of its release. The action comedy repeatedly and excessively used the R-word to describe Stiller’s character.

A spokesperson for DreamWorks Pictures said in a statement to The New York Times in 2008 that the movie “satirizes Hollywood and its excesses and makes its point by featuring inappropriate and over-the-top characters in ridiculous situations.” The company added that it did not intend to “disparage or harm the image of individuals with disabilities.”

Us Weekly

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EXCLUSIVE: Diane von Furstenberg Designs Minnie Mouse’s Wrap Dress for TV Special

Who wouldn’t doubt that Diane von Furstenberg and Minnie Mouse would become fast friends?
For the prime-time ABC special Nov. 4 in celebration of Mickey and Minnie Mouse’s 90th anniversary, von Furstenberg has designed a wrap dress for Minnie Mouse.
“They asked me if I’d like to do a dress for her 90th birthday, and I said ‘OK,’” said von Furstenberg. “Obviously she’s an icon and she had to have a wrap dress. I made a wrap that had lots of different cutouts so we could play with her dots and the colors of the dot and a lot of godets.”
Minnie Mouse’s dress was created by using a 100 percent silk faille fabric in white and black and hand-embroidering sequins to create the mix of polka-dot designs. The dress was sewn by hand in New York, taking 15 people nearly 35 hours to complete.
Long considered a fashion icon, Minnie has been a muse for designers, inspiring new collections and appearing in magazines and runway shows all over the world. Her classic polka-dot ensemble has been continually reimagined by the industry through the decades. Minnie Mouse, who has a reputation for being cute, playful and flirtatious, has often been portrayed as a dancer

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SPECIAL REPORT: Pittsburgh synagogue shooting update

ABC News

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

U.N. special envoy Jolie voices support for Venezuelan refugees

U.N. refugee agency special envoy Angelina Jolie speaks about the plight of Venezuelans forced to leave their crisis-stricken homeland. Rough Cut (no reporter narration).


Reuters Video: Entertainment

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Burger King’s new green bun Halloween sandwich follows black bun special that turned poop green

This Burger King bun may be the stuff of nightmares for more than one reason.

The fast food giant is launching a green-bun sandwich for Halloween that the company claims has been scientifically proven to cause nightmares. Hopefully the forest-hued bread won’t also haunt customers the way Burger…

Life Style – New York Daily News

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Ready to Love: All-Access Special | Ready to Love | Oprah Winfrey Network

OWN

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!