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Q: 

How can i protect my family if i can''t get life insurance?

A:  Darron, first let me say it is good to see you asking the next question as many do not. There remain a few options that should be considered/reviewed. First, there are guaranteed issue policies available for those that are declined by the standard market. Eligibility varies by insurer but generally, as long as you are not in a terminal ilness situation coverage can often be obtained. It is more expensive than the voluntary market due to the risk involved but worthy of consideration. Secondly, making sure that wills are up to date, making good use of other vehicles such as trusts may be applicable depending on your specific situation. If we can help, feel free to contact me at 888-518-4494 Ed Cooper, Performance Insurance Group Congratulations on your impending arrival! The other...

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How can I get my husband to stop being so stingy?

A:  your husband''s a real smart dude and he''s absolutely right. in this recession we''ll all be in a shytload of trouble before long. wait until triple digit inflation kicks in from all that stimulus money the government printed and spent. you won''t be able to afford anything no matter how much you make. and wait until socialized medicine takes affect. doctors won''t be making anything anymore. your husband might have to leave medicine entirely and find a new profession. your husband is smart to make as much money as he can now while he still can and save every penny he''s got. you would be doing the same if you were smart. He works hard for his money, and see''s a lot of disturbing things. He is, I''m sure, thinking about how to save money because at one time he never had it, and went with...

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How can I make my employer pay me on salary - like what my paperwork says I am being paid.?

A:  in the US: hourly, salary, piece rate or commission is irrelevant it is a matter of ''exempt'' status that determines if an employee must be paid overtime or minimum wage. unless you have a contract that states otherwise, all an employer is required to pay is at least the applicable minimum wage and overtime. the issue you have is a policy matter, as long as you are paid appropriately there is no law that states an employer has to pay you in a certain manner just because some company specific paperwork stated as much. (unless that paperwork is a contract) IF you have proof that you are being treated differently ''solely'' because you are part of a protected group then that is illegal....... employers have great latitude in determining how an employee is paid, how much and what benefits are...

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How can i get my ex back without loosing her as a friend?

A:  Wait, wait, wait. If you go and tell her it is all or nothing you will be the loser, for she has control. Remember she told you she is happy at the moment. You seem to divide being a friend and being in relationship. You could just spend time with her, she wants to go places with you, do things with you. As she is in control all you can do is take what she is offering, and be there for her, support her, enjoy the time with her. And who know''s the old relationship may become re-established? If it is isn''t you probably will have a lifelong friend. Sadly it is you who is offering ''either this, or I go'', and at the end of that road you will probably be shown the door. Slow down, and be with her as she allows.... anything else and you LOSE. You can make sure she is taken care of and be...

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How can I save my deceased mother''s car?

A:  I have no idea about the legalities of the probate situation. That may be reason enough not to read anything that follows. But -- as a practical matter -- what''s to stop you from just taking over the payments by sending in your own checks? The loan company won''t care so long as payments are being made. Eventually, once the loan is paid and if you want the title in your name, I assume there would be a paperwork issue to iron out with the state DMV. But I''m sure the state DMV faces deceased-owner situations all the time. I suppose one of your relatives might come after the car, and you would face the risk that you might lose the money you sink into the payments because someone might have a legal right to take the car away as part of the estate -- I don''t know. You''ll need to get some...

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Foreclosure on house- How can I be liable?

A:  Because your still on the title . . . it''s a common mistake in divorce proceedings . . . someone (probably your divorce attorney) forgot to ''quit claim'' your interest in the house. You are going through the same thing I did. However, it is a bunch of garbage, but if you were the original creditor, and did not do a quick claim deed on the house, you are the one liable. You can however at this time stop foreclosure because of the new laws, if you can afford it. Sorry about the Bad news. By all accounts you should not be heald liable for this. You need to get a lawyer. Bring them a copy of your credit report as well as a copy of the closing papers when you signed the house over to him. This should be an easy fix. Then you need to get a

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How can I get my wife back to the US ?

A:  - As you know, a tourist visa strictly requires nonimmigrant intent. It will be very hard for her to be granted one as they will know that she is married to a US citizen and previously had a green card that has since lapsed. They could easily suspect her of using the tourist visa as a shortcut to adjusting back to PR status. - Yes, you would indeed have to do the process all over again. (I-130 etc) - Are you back in the US now? If you are still in your home country living with her, then you may possibly qualify for Direct Consular Processing. It is actually an easier and faster process and will take less than a year. You could check with the US Embassy there. If you are back here in the US though, then just file the I-130 so you could get the process going asap. In the meanwhile, maybe you...

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How can I win my Small Claims lawsuit?

A:  Most judges will allow a notarized statement, especially if it matches the police report. Of course, if you can get the person there, so much the better. Toby''s witness will have to be believed by the judge. You say what you think, respectfully, and let the judge make the decision. Digging up another witness wouldn''t be a bad thing. Someone knows that the other witness was in another room. It''s worth your time to check around again. Since you''ve spoken with an attorney, I assume you have all of your financial damages in proper order. Take another look at that just to make sure. Remember, drama in small claims is for Judge Judy, not real life....

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How can I win my Small Claims lawsuit?

A:  To be honest, I''m shocked this wasn''t prosecuted criminally. Did the police not see your injuries??? What about the people who were pulling Toby off of you? Did they stick around or did they leave? Perhaps you could get a copy of your medical report from the hospital or Dr. who was in attendance. Most hospitals won''t release that information to you because it''s their property, but who knows what subpoena might produce if indeed a subpoena would be necessary. Also...did anyone not connected with the incident see your injuries?? Hire someone who looks like Mike Tyson to have a little chat with him Bring pictures of your injury, the hospital report, your medical bills, and any witnesses you have. There is no such thing as perjury in civil court. Everyone is sworn to tell the truth and...

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How can I get my Peruvian Girlfriend a visa to come to the United States?

A:  There are no other options ..you family will have to go meet her Getting a tourist visa for any single women is difficult from poorer countries or all meet in a third country...