Joel Thrift Law LLC - December 2023

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The Disability DIGEST

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December 2023

Managing Kids, Christmas, and Work

December Brings Lots of Excitement and Stress

make the season special and don’t require a lot of time.

As the holidays approach, a familiar tension fills the air. On one side, there’s the promise of twinkling lights, heartwarming traditions, and quality time with loved ones. On the other, there’s the seemingly never-ending list of tasks and responsibilities that come with being a parent and a professional. Trust me, as a busy attorney with a spouse and kids, I know how overwhelming it can get. You’d think being a lawyer means December would be quiet. Think again. It’s a peak season for us, filled with people trying to get settlements, workers’ compensation, and other legal issues sorted before the year- end. The stakes are high, the cases are urgent, and simply taking the month off to sip hot cocoa by the fireplace is, regrettably, not an option.

With school out for the holidays, the next question becomes: “What do we do with the kids?” I can’t let my kids spend the whole day on YouTube, nor can I offload all the responsibilities on my spouse, who also has a job. The older ones are somewhat easier to manage, with holiday camps or playdates, but options are limited for the younger ones. Then comes the classic “Elf on the Shelf” predicament. Keeping the elf moving around the house nightly seems like just another task added to an already long list. But you know what? My kids are growing up, and the wonder of Christmas will eventually fade for them. So, these “chores” do have a charm of their own. It sounds like an insurmountable challenge, but here’s the truth: Balancing professional life with parenting during the holidays is doable, even if you work long hours. Here’s how: Delegate: Spreading out the responsibilities is key. My wife and I take turns looking after the kids, particularly when we don’t have family around to help. If your job is more demanding, consider outsourcing some tasks, like gift-wrapping or decorating. Simple Traditions: Who says holiday traditions have to be elaborate? Simple traditions like a Sunday movie night or baking cookies together can

Prioritize: I get my holiday shopping done well before the season starts to avoid last-minute scrambles. Having the gifts sorted out early means one less thing to worry about. Quality Over Quantity: If you have to take a day off work, make it meaningful. I would rather fill a free day doing something fun and memorable with my family than just letting the kids sit in front of the TV all day. Flexibility: Holidays aren’t perfect. Learn to adapt. If the kids miss a day of holiday camp or other activity because of your work commitments, make it up to them in small ways, like a special dinner or an extra storytime before bed. Juggling work and family life during the holiday season is indeed a Herculean task. But the reward, the joy in your child’s eyes as they unwrap gifts or set out cookies for Santa, makes it all worthwhile. We might not be able to create a picture-perfect holiday season, but we can certainly make it memorable and magical for our children. And ultimately, isn’t that what the spirit of Christmas is all about?

–Joel Thrift

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The Battle Over Student Loan Forgiveness What Happens Now?

The costs of higher education have grown substantially over the past few decades. According to a report from the Georgetown University Center on Education and the Workforce, the average cost of tuition, fees, and room and board for an undergraduate degree has increased 169% between 1980 and 2020. The U.S. Bureau of Labor Statistics also reports that tuition has risen by another 5% in the past three years alone. While the cost of a college education has continued to go up, the average wage earned by recent college graduates has not kept pace, with only a 19% increase between 1980 and 2020. Most students and their families cannot afford college tuition on their paycheck alone, which has led them to take out exorbitant student loans. When the pandemic started, many Americans grew fearful of their financial future. Many were losing their jobs or getting furloughed, so they worried they couldn’t afford housing, food, or basic necessities, let alone their monthly student loan payments. In March 2020, Congress passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), which paused all federal student loan repayment programs. Individuals could still make payments on their loans, but they didn’t have to worry about interest or past-due notices. To help young Americans reclaim their financial freedom, President Joe Biden announced in August 2022 a $400 billion plan to eliminate or reduce federal student loan debt for millions of Americans. Not everyone in Congress agreed with Biden’s proposal, which led to the Supreme Court deciding the issue. The Supreme Court voted against the proposed plan 6-3. They claimed Biden was trying to use a bipartisan law from 2003 that deals with national emergencies to gain the power he needed to push his plan into action. “Six states sued, arguing that the HEROES Act [Health and Economic Recovery Omnibus Emergency Solutions Act] does not authorize the loan cancellation plan. We agree,” Chief Justice John Roberts wrote for the court. So, where do we go from here? The student loan forgiveness plan is out the window. Interest on student

loan repayments started back up in September, with actual payments resuming in October. President Biden has not backed down on helping college graduates with their student loan payments. A few months ago, the Education Department unveiled its newest income-driven repayment plan called Saving on A Valuable Education (SAVE). While SAVE doesn’t outright cancel any federal student loans, it will make repayment much more affordable for millions of Americans. A couple of fantastic benefits come with SAVE. First, borrowers earning less than $32,800 individually or $67,500 for a family of four will see $0 monthly bills. Other borrowers will pay less each month, with many experts estimating that payments will be cut in half. Students who took or plan to take less than $12,000 in loans will be eligible for forgiveness after 10 years instead of 25. And possibly the best benefit is that interest will no longer build up as long as you make your monthly payments. While it’s not total forgiveness, this plan does help recent college graduates get off the ground. One of the biggest concerns regarding student loan forgiveness was that it would apply only to people with loans. SAVE will help all former, current, and future higher education students. If you have children or grandchildren preparing to start college in the next few years, share this great news with them, as it will help make college more affordable for all.

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TAKE A BREAK

Chimney Christmas

Gifts Igloo

Mistletoe Ornament Parka Reindeer Sleigh Snowman Wreath Yuletide

Dreams are mysterious journeys into our subconscious. They can be filled with strange places, familiar faces, or bizarre scenarios. While the content of your dreams may seem random, research suggests the position you sleep in can influence their nature and intensity. The Impact of Sleep Position on Dreams The way you sleep can affect how often you enter the rapid eye movement (REM) stage and, consequently, the types of dreams you experience. While researchers can’t conclusively identify the relationship between sleeping positions and dreams, they have reached some research-based theories. Supine (On Your Back) Sleeping on your back allows for more unobstructed breathing and less fragmented sleep and may increase the likelihood of vivid and intense dreams because you’re more likely to reach REM sleep. Prone (On Your Stomach) Sleeping face down is associated with more restless sleep, less REM, and potentially fewer dreams, meaning your dreams will be less vivid and memorable. Lateral (On Your Side) Sleeping on your side, particularly in the fetal position, commonly leads to emotional dreams, possibly due to the sense of vulnerability or comfort this position provides. While sleep position can influence the frequency and nature of your dreams, it’s only one piece of the dream puzzle! Dreams remain a complex aspect of human consciousness, but it’s pretty neat to know that how you sleep may play a part! A Dreamer’s Guide: The Link Between Sleep Positions and Dreams

Chicken, Leek, and Blue Cheese Pilaf

Inspired by BBCGoodFood.com

Ingredients

• 2 1/2 cups water • 1/2 cup brown basmati rice • 2 tsp vegetable bouillon powder • 1 bay leaf

breasts, chopped • 1 leek, thinly sliced • 2 zucchini, thinly sliced • 1 cup frozen peas • 4 walnut halves, broken • 1/4 cup crumbled Gorgonzola cheese

• 1 tsp grapeseed oil • 2 skinless chicken

Directions 1. In a large pot, add water, rice, bouillon powder, and bay leaf. Cover, bring to a boil, then reduce the heat and simmer for 20 minutes. 2. Meanwhile, in a large frying pan, heat oil and stir-fry chicken over medium-high heat until just cooked. Remove from pan, then fry leek until soft. Add zucchini, stir-fry for a few minutes more, then add peas. 3. When the rice is cooked, add it and any liquid from the pot to the vegetables. Return chicken to the pan, then cover and cook for 5 minutes more. Stir in walnuts and cheese and serve hot.

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INSIDE THIS ISSUE

Strategies to Make the Most of the Busy Holiday!

1

New Hope for Student Loan Borrowers

2

Chicken, Leek, and Blue Cheese Pilaf

3

Sleep Position Secrets

The Unbelievable Story of WWI’s Christmas Truce

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A BRIEF PAUSE IN THE TRENCHES The Heartwarming Tale of the Christmas Truce in WWI

Christmas is a time for kindness, yet for those in the trenches during World War I, no one expected mercy. It was Christmas Eve 1914 when British soldiers huddled in the mud-filled trenches, trying their best to ignore the harsh winter winds. Well, that was when peace broke out all along the Western Front. It became known to the world as the Christmas Truce after countless men wrote about their experiences amid the ceasefire. Records reveal the Germans called over to the British at around 10 p.m. to share some wine. At first, the British soldiers were skeptical, yet as they met halfway along the battlefield, amiable chatter and merriment began.

All along the trenches on various battlefields, French, German, Belgian, and British soldiers followed the

Christmas Truce. Men who were shooting at one another the day before began to share cigarettes, sip wine, and joke around. One account even recalled a soccer match between the British and German soldiers. A German lieutenant named Kurt Zehmisch wrote of the match in his diary. He wrote, “Eventually, the English brought a soccer ball from their trenches, and pretty soon a lively game ensued.” Zehmisch added, “How marvelously wonderful, yet how strange it was. The English officers felt the same way about it. Thus, Christmas, the celebration of Love, managed to bring mortal enemies together as friends for a time.”

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