PART 8: HOW TO...

Address Common Learning Challenges

Reading, writing, and math are particularly tough for students with ADHD and learning disabilities. Use these strategies and tools to help your child succeed in core subjects.

Grade-Specific Reading Strategies
Reading hurdles can trip up every aspect of school. Find concrete tips — elementary through college — to help all students get more from the page.

When Writing Feels Like Torture
Your child is brimming with creative ideas, but he just can't get them down on paper. The solution? Try these ADD-friendly writing tips for school and home.

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"My Child Learns Best by ____."
Most kids favor one sense over the others in the classroom. Is your child a visual, auditory, or tactile/kinesthetic learner? Find targeted teaching strategies for each style.

SELF-TEST
Does My Child Also Have an LD?
As many as 50 percent of all children with ADHD do. Could your child's academic struggles be signs of a learning disability? Take the test »

Help Him Say What He Means
Students with ADHD may have difficulty organizing or retrieving their thoughts while speaking. These verbal expression strategies can help the words flow.

Sharpen Your Child's Math Skills
The problem: your student hates math. Here are 18 solutions — from how to tackle word problems to a simple trick for keeping equations orderly.

+ Register for these upcoming webinars:
Sept. 20: The ADHD Guide to Productive Parent-Teacher Cooperation
Sept. 25: Getting It Done: Tips and Tools to Help Your Child Start — and Finish — Homework
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Although roughly 28 million Americans say getting one of the new iPhones is worth going into debt, that might not be necessary, according to the personal-finance website WalletHub’s new 2018 iPhone Savings Report, which found that people can save $740 - $1,403 over two years by picking the right plan.

You can find some highlights from the report below. You can also crunch the numbers to see which iPhone plan is right for you, using WalletHub’s custom Cell Phone Savings Calculator, ahead of the newest models starting to ship on Friday.

• A no-contract plan from Walmart Family Mobile is the best way to get one of the new iPhones, beating plans from all four major carriers.
   
• For even more savings, keep your old phone. Individuals can save up to $1,552, and families can save up to $2,265.
   
• 5X more millennials say the new iPhone is worth going into debt for than baby boomers.
   
• 29% of cell phone shoppers don’t know they could be in for a credit check.
   
• 44% of millennials believe their cell phone has a bigger impact on their life than their credit score.
   
• “Early cell phones were purchased for consumers by their service providers, which hid their cost to some degree,” Lewis S. Davis, an associate professor of economics at Union College, told WalletHub. “Most consumers are not particularly savvy about long term contracts. In short, we're really bad at compound interest.”

 
WalletHub’s Cell Phone Savings Calculator lets users input their upfront and monthly costs to compare the true cost of two-year contracts, installment plans and no-contract plans from all of the major carriers. You can check out the calculator, along with an embeddable infographic comparing the most popular plans, here: https://wallethub.com/cell-phone-calculator/.
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4 Ways Marijuana Businesses Could Benefit From Banking Law Changes

The old adage “money talks” could be revised to “money screams” when it comes to money and the legalized marijuana business.

“There is just too much cash running through these pot businesses for something not to change,” says Sarah Lee Gossett Parrish (www.sarahleegossettparrish.com), a cannabis industry lawyer. ‘’The status quo – not allowing banks to legally work with pot businesses – is not going to work for very much longer.”

Although marijuana is still illegal under federal law, some state laws allow it, and that leaves distributors of legal marijuana in peril.

Wall Street interest in marijuana firms is at an all time high.  The North American cannabis market is expected to go from $9.2 billion in 2017 to $47.3 billion within 10 years, according to Arcview Market Research and BDS Analytics. 

That kind of money attracts the movers and shakers in the upper echelon of the financial markets who know how to pull strings in Washington.  U.S. Sen. Elizabeth Warren said recently that if the Democrats’ narrow chances of capturing the Senate in November succeed, Democrats would vote in favor of a bill to end federal oversight of marijuana and let states handle the issue.

“The politics are tricky, but money is a great motivator in politics,” Parrish says.  “Plus as more states continue to jump on the bandwagon, there will be huge incentives for the banks to want to get involved with the business.”

A few small credit unions offer marijuana businesses checking accounts, but most financial institutions are awaiting the federal government to act.  And that means most marijuana businesses are dealing with large amounts of cash.

She says allowing financial institutions to work with legal marijuana businesses would ease these issues:

• Financing. Marijuana growers are like any other business people. They occasionally need to borrow money for a variety of reasons. Being able to work with a bank will open up more opportunities.
   
• Credit card access. Customers would be able to use credit cards to purchase marijuana, and marijuana businesses would have better ways to track spending and income.
   
• Cash violence. It is not unusual for some marijuana businesses to handle $20,000 or more in cash. This is not only dangerous for the people carrying the money, but for innocent bystanders should a robbery occur.
   
• IRS paper trail. Cash transactions are easier to hide from the Internal Revenue Service.  Putting the money in a bank is an easier way for the IRS to track revenue from a business.

“It is ridiculous for the federal government to put these shackles on businesses that are allowed to operate under their state laws,” Parrish says.  “But it can’t last.  Money talks.” 

Or screams…

About Sarah Lee Gossett Parrish

Sarah Lee Gossett Parrish  (www.sarahleegossettparrish.com) is an attorney who maintains a civil-litigation practice and is admitted to practice in Oklahoma and in Texas. She also is admitted to practice before several District Courts in Oklahoma; the United States Court of Appeals for the Tenth Circuit and the United States Supreme Court. Ms. Parrish received her B.A. in Letters from the University of Oklahoma, Phi Beta Kappa, Summa Cum Laude. She also served as Chairman of the Governor's Commission on the Status of Women for the State of Oklahoma and was instrumental in starting the Oklahoma Women's Hall of Fame. She received her Juris Doctorate from the University of Oklahoma College of Law.  Her legal thriller, Guilt of Innocence, placed second in the New York Law Journal's national fiction writing contest.