Affordable Care Act

A new “5-year rule” in California allows the government to recover their costs for social services received by you. Question: Are the insurance subsidies under the ACA to be considered as a social service received?  Presumably so, but I am not sure. Under the new rule the government can demand to be paid back from your estate for theContinue reading “Affordable Care Act”


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Student Loans and the Road to Eternal Poverty

I noticed a SF documentary filmmaker ( is developing and producing a feature about the “student loan crisis.” I wish him great success. Posing the question to myself, I ask what is the student loan crisis?  This gets my mind whirring. So the following is a response to the student loan crisis. Just like Erasmus the Educator, Artist, aContinue reading “Student Loans and the Road to Eternal Poverty”