Stubbins Watson & Bryan - September 2018



FIRSTDAYOF SCHOOL What Nervous Parents Should Know

Mike Bryan

Hello Everyone!

I hope your September is off to a good start. This month, I would like to say a few words about Medicaid benefits. As you might know already, Medicaid Benefits can be used to help pay for home health care, assisted living, or nursing home care. Unfortunately, there is a lot of bad information out there. Many folks believe that they have to lose all of their assets in order to qualify. Typically, this is heard from family and friends because many will go through the same ordeal. Well, I have good news to share with you. Even when someone is in a crisis, has high health care costs, and has no planning in place, there are still methods available to protect one half or more of their assets from being spent down. In addition, if someone is in good health and is planning ahead, then even more could be protected by appropriate planning. If you have questions about any of these techniques or know someone who may find this to be useful, please pass our newsletter along. See you next month!

Children are constantly reaching new milestones. Whether a child is preparing for their first dance, earning their driver’s license, or heading off to college, success in navigating these events is often determined by the kinds of experiences parents share with their children when they are young. One of the earliest milestones a child encounters is the first day of kindergarten, a sometimes overwhelming event that many parents struggle to navigate. The good news is that parents who have already endured the struggle can offer advice to assuage the fears of newer parents. Teach Them the Basics Everyone knows that the primary purpose of school is to educate, but there are some basic things you should consider teaching your child before their first day. One mother recently wrote to USA Today encouraging fellow parents to teach their kids the ABCs, numbers, and a handful of useful vocabulary words. Additionally, kindergarten teachers encourage parents to make sure their kids know the basic elements of hygiene. One common example is knowing how to use the restroom by themselves. Teaching your child how to properly flush the toilet and wash their hands before they enter the classroom will help ease any fear of going to the bathroom alone, and it will also benefit their teacher. Finally, be sure your child knows how to open all their lunch containers. Children often don’t have a lot of time to eat, so ensuring that your child can open their containers and start devouring their lunch as soon as possible is good practice.

- Mike Bryan

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