NLIC.org

Charlene Said:

Will I qualify for pregnancy medicaid in texas?

We Answered:

Hi, I don't know the texas laws down there. But here is the site where you can find out if you do indeed qualify. Infact you can register online alot of times.

http://www.hhsc.state.tx.us/medicaid/med…

Below is the income requirements...
http://www.hhsc.state.tx.us/Help/HealthC…
It looks like if there are only the 2 in the household..your income amount cant be over...
$2,247 for preg medicaid

Also if you don't have insurance and cant afford it, they really cant deny you. I know that's in the state where I live now, and where I use to live in that state as well.

BTW CONGRATS

Nellie Said:

Refinance home?Good Time?

We Answered:

Hi I am a Realtor in CT. I believe (now I could be wrong) that all stated income products are no longer available. They did away with that when the market crashed. Just like there are no more mortgage products for 100% finanacing.

What I think you should do is just wait a little longer. Here is what I read today in my daily real estate email. Good Luck Realtor Tina in CT

Obama Promises More Low-Cost Mortgages
President Barack Obama promised Saturday to reduce mortgage costs as a key part of his plan to improve the economy.

Analysts applauded the move, saying that making low-cost mortgages widely available could stabilize housing markets and jumpstart new home construction.

Beyond that, observers say aid for the troubled housing market will help blunt the anger many Americans feel over the financial bailout as the executives of firms that received billons take bonuses while average people lose their homes.

Source: Reuters News, Mark Felsenthal (01/31/2009)

Rene Said:

How much child support should I be getting ?

We Answered:

The guidelines are available in any public library. It's based on your salary, and his salary. You don't get less if he has high car payments and mortgage, and you don't get more if he has small payments. Yes you can ask for a review yearly, if you think his income has changed, or if your income has changed. But if your income has gone up, or his down, support could be lowered...and you can't say, never mind, forget the petition. Check the library first.

Joe F.--you know entirely too much about your parents finances.

Eva Said:

Where can I get good business advice in DFW, Texas?

We Answered:

Go to www.score.org/index.html and in the upper left hand corner, enter your zip code. On the next screen, you will find the SCORE chapter nearest you. Call them and arrange for a free meeting with a SCORE counselor.

SCORE "Counselors to America's Small Business" is a nonprofit association dedicated to educating entrepreneurs and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA).

SCORE was founded in 1964 and is headquartered in Herndon, VA and Washington, DC and has 389 chapters throughout the United States and its territories, with 11,500 volunteers nationwide. Both working and retired executives and business owners donate time and expertise as business counselors. SCORE is America's premier source of free and confidential small business advice for entrepreneurs.

Jenny Said:

First time homebuyer, where do I begin?

We Answered:

If your incomes are good, your jobs are stable and secure, you don't plan on children right away and you have at least 8 months of monthly expenses in reserve, then start looking for your house. Don't do it if you are going to be broke the day you move in.

Owning a home comes with tons of expenses - taxes, insurance, water, sewer, garbage, gas, electric, cable, internet access, maintenance, repairs, lawn expense, mechanical breakdowns, new appliances, decorating. You also have other personal expenses - car payments, car insurance, health insurance, clothing allowance, meals out, entertainment, etc.

If you are looking at a $145,000 home, you should have at least $70,000 gross income and $24,000 in savings as reserve that you don't touch.

Reginald Said:

My dad recently died. We can't afford the house payments, but the value is less that the mortgage. Any advice?

We Answered:

Well since the insurance didn't have a named beneficiary it's estate money now and will be eaten up by whatever liabilities come through. The home can be sold by the fiduciary or foreclosed on (if you do nothing). The mortgage company will take all the the money from that. Some loans require mortgage insurance which covers the losses suffered by the mortgage company. If the insurance money had gone straight to a beneficiary and you wanted to keep the home you could have used that towards paying down the mortgage. But now there is really nothing you can do.

EDIT: Just saw your new info. The life insurance should not be in probate. That should be going directly to your brother. So I do hope that's the case. And yes, if a beneficiary is named or it is a payable on death account it bypasses probate. If he died with a will, even if the will names certain assets to someone those still must be probated though.

I am very sorry for your loss. I definitely know what you are going through.