Results 1 to 3 of 3
  1. #1
    herberkids3
    Guest

    Default Wic & Foodstamps, selling houses, assets, etc.

    These are the nation-wide income guidelines. The first set of

    numbers is for the continental US. The 2nd set is for Alaska, the

    3rd set is for Hawaii.





    CONTINENTAL US

    Monthly Twice-Monthly Bi-Weekly Weekly

    1 18,130 1,511 756 698 349

    2 24,420 2,035 1,018 940 470

    3 30,710 2,560 1,280 1,182 591

    4 37,000 3,084 1,542 1,424 712

    5 43,290 3,608 1,804 1,665 833

    6 49,580 4,132 2,066 1,907 954

    7 55,870 4,656 2,328 2,149 1,075

    8 62,160 5,180 2,590 2,391 1,196

    Each Add'l Member Add 6,290 525 263 242 121



    Alaska



    Annual Monthly Twice-Monthly Bi-Weekly Weekly

    1 22,663 1,889 945 872 436

    2 30,525 2,544 1,272 1,175 588

    3 38,388 3,199 1,600 1,477 739

    4 46,250 3,855 1,928 1,779 890

    5 54,113 4,510 2,255 2,082 1,041

    6 61,975 5,165 2,583 2,384 1,192

    7 69,838 5,820 2,910 2,687 1,344

    8 77,700 6,475 3,238 2,989 1,495

    Each Add'l Member Add 7,863 656 328 303 152



    Hawaii

    Annual Monthly Twice-Monthly Bi-Weekly Weekly

    1 20,850 1,738 869 802 401

    2 28,083 2,341 1,171 1,081 541

    3 35,317 2,944 1,472 1,359 680

    4 42,550 3,546 1,773 1,637 819

    5 49,784 4,149 2,075 1,915 958

    6 57,017 4,752 2,376 2,193 1,097

    7 64,251 5,355 2,678 2,472 1,236

    8 71,484 5,957 2,979 2,750 1,375

    Each Add'l Member Add 7,234 603 302 279 140





    The first number for each row is yearly income. The 2nd is monthly.

    3rd is if you get paid on the 1st & 15th, or 15th & 30th of the

    month. The 4th is if you get paid bi-weekly, and the last is if you

    get paid weekly.



    If you fall into those numbers, based on how many people are in the

    house, you WILL qualify.



    WIC is much more relaxed on guidelines than foodstamps. As long as

    there is a child under the age of 5, and you fall within the income

    noted, you WILL qualify.



    If you are denied for any reason, but fall within the income

    guidelines, ask for a written note as to why you are being denied

    WIC.



    The guidelines are the exact same, state to state, with the

    exceptions of Hawaii & Alaska.









    For foodstamps, the income levels DO change by state, but the

    guideline is the same for the most part- You have to make at or less

    than 150% of the state poverty level. Meaning, if poverty level for

    a family of 4 is $25,000 a year, you can make up to $37,500 a year,

    and still qualify for food stamps. However, foodstamps also look at

    other things, such as assets.



    If you own a vehicle that you still owe money on, it's considered an

    asset. If you own a vehicle that's worth more than a set amount,

    it's considered an asset. If you own more vehicles than the

    household requires, it's considered an asset. If you own your home,

    it's considered an asset. If you own more than 1 home, it's

    considered an asset. If you have more than a certain amount of money

    in the bank, in CD's, in money market, etc, it's considered an asset.



    Assets count AGAINST your yearly income, jacking it up.



    The reason for this is that if you are sitting on a house that's

    worth $120,000, and you can't afford food, they expect that you'll

    sell it and move to a cheaper housing alternative.



    This is in place to prevent people who do not need food stamps from

    getting food stamps. Basically, you have to be down to your last

    dime to qualify, which is why so many people are able to abuse the

    system, and why people who are just down on their luck have a much

    harder time qualifying for them.



    I understand the resentment, but you have to look at the assets you

    DO have before saying you don't have enough money to buy food. If

    you have a large asset such as a house, and you can't afford to pay

    the bills, then the most logical way to solve the problem is to sell

    the house, and move into housing that is much cheaper.



    That is how the states look at it. People who abuse the system don't

    have any assets, for the most part, or they hide the assets under a

    different name, a parent, a brother, a friend, etc.



    The system does have flaws, obviously. But it can work, if you know

    what they are looking for.



    Herlean- have you considered transfering your name off the title of

    the house? Put it in your husband's name, and tell them you pay

    rent. Tell them you are seperating, but have no place to go, so you

    are paying rent and half the utilities for now.



    If you are doing that, you are considered a seperate household from

    your husband. It cuts your income in half, and removes a dependant,

    but you would qualify for help much easier if it is just you and a

    child, as opposed to a family unit.



    It's crappy, I get it. I've been there before. But you have to be

    willing to go to the lengths they want to get the help. I know

    you've asked for help before, and it's hard to get. We've given you

    a LOT of information over the past few months, and while it might

    not all pan out, some will.



    I understand the unwillingness to let go of the house, but consider

    all the bills involved with a house-

    Gas

    Electric

    Insurance

    Water

    Trash

    Upkeep

    House Payment



    How much does that come up to?If it exceeds 60% of your monthly

    income, it's too high. Selling the house might not be your preferred

    option, but in my opinion, the kids come first. If you can't afford

    to feed them, then you can't afford that house.



    So many people out there are going through foreclosures because of

    lost work, lost income, and they didn't think ahead far enough to

    try and sell the house.



    Can you guarantee that in 6 months, you'll both be working full

    time, and can provide enough income to cover all your bills? If not,

    then you will likely be losing money over the next 6 months, falling

    further and further behind.



    Robbing Peter to pay Paul only works for so long. Shifting the

    amounts by paying smaller here and there WILL catch up, and make it

    10 times worse in the long run.





    My suggestion is that you sell the house, get a cheap apartment for

    a year, save up what you can to pay off your debts, and a year from

    now, buy another home that's maybe smaller, and cheaper to start

    out. Maybe buy a fixer-upper. They're not beautiful, but they work,

    and you can add to them as you have the money.



    My examples are this-



    Let's say you have $14,000 in debt aside from the house. You owe

    $56,000 on the house still (these are JUST examples). You have

    monthly house payment of $850. Your utility bills come to $600 a

    month. Your car payments are $500 a month. Your credit card bills

    are $200 a month.



    Now, let's say your income is 0 a month. Hubby's income is down


    because of being laid off. So, if he gets $750 a month from

    unemployment, that means the two of you are making $1600 per month.



    Your bills are $1450 for nessecary things- utilities & house

    payment. That means before paying credit cards or car payments, you

    are left with only $150 per month to get groceries & pay the rest of

    the bills.



    Now, that might be an extreme example. But, if this is the case, if

    you have only a little left each month, then you are losing the

    game. You can't set money aside to save, you are not able to make

    all the bills, and food is being cut back to cover bills.



    It might sound harsh, but you need to stop looking for a quick fix,

    and sell what you can to cover the debts you can, and get out of the

    situation.



    Most people don't have the asset of a house when they get into a

    rough situation. You have 1 major thing that can literally fix your

    problems. Selling it automatically eliminates the house debt.

    Depending on how much you have into the house, you could eliminate

    credit card debt, and car payments, leaving you with 1 less asset,

    but lots less debt.



    It gives you a starting ground for a much easier life a year down

    the road.



    Say you sell the house, and had $15,000 into the house above what

    you owe. Let's say you owe $9,000 in credit card debt, and $5,000 in

    car payments. You've just paid off the cars and eliminated credit

    card debt 100%, leaving you with $1,000.



    Now, let's say you move to an apartment that only costs $550 a

    month. If the apartment covers heat, water, & trash, your bills just

    got cut in half each month to $300. You no longer owe a credit card

    bill or car payment bill, so your monthly income of $1600 is double

    what you need, meaning you can set aside $400 a month into a savings

    account.



    Suddenly, at the end of a year, you have $5800 saved up, counting

    the $1,000 left from the sale of the house. A nice cushion.



    Let's also say that 9 months from now, your husband is back to full

    time work, upping his monthly payments from $750 to $1200 a month.

    Now you're making $2050 per month, with bills of $800 per month. So

    for 3 months, you can set aside $1000 a month, making your savings

    $8,800 over the course of a year.



    Do that for 2 years, and suddenly, you're looking at a cushion of

    $20,800 to put into a new home.



    Granted, the numbers may be off, but the general premise is not.



    You like the school system- I'm sure there are apartments in the

    same school system. You like the house- that's great, but if you

    can't pay the bills, it's an asset you can't afford. You want help

    with foodstamps, wic, etc, but don't qualify- you have a way to

    alleviate this by selling the home and living much cheaper.





    I know not everyone here will agree with me, but you have the way to

    alleviate it all yourself, without relying on government assistance.








  2. #2
    ~trina~
    Guest

    Default Wic & Foodstamps, selling houses, assets, etc.

    I would truly ask about the house thing.

    For food stamps and medi-cal, they allow one car, no problem

    (give approximate value), when you OWE money on it, it is considered an

    asset, but they don't consider that you necessarily OWN it, because

    usually you OWE money on it. and there is a LIEN on it, that is a

    benefit to you, not them.

    As for housing, they don't have a problem with you OWNING your house,

    But they do have you turn in your mortgage statements.

    We did this for Health insurance for the kids. They do need to know how

    much you make and how much your mortgage/rent is.

    **Owning a house does not pose such a problem, but the KEY thing is that

    it is your primary residence **THAT YOU LIVE IN IT**, the moment you

    tell them you Have a boat, 2nd house,computers, etc, --then don't bother

    LOL

    those are the key things they look for, including jewelery not counting

    your wedding rings. --you may be hiding the crown jewels somewhere, but

    there are times when people need the help, even if its temporarily, they

    aren't all there to be mean/make life difficult.



    My husband's job never offered insurance and he had stinky pay for a

    good while, so we qualified (even while owning a house--we lived in

    it,of course)

    For medical insurance for our kids--- BUT the moment he got his raise,

    I wrote them and had our kids removed off their program, so we could pay

    for it. But we are ever so grateful that our kids were rarely sick,

    and that those basic yearly check ups were comfort, in case something

    did happen.



    --there are also lots of programs someone can fall under, under income

    guidelines. And if you get a good person, they are there to help. Don't

    let someone intimidate you....--they don't tell you that.



    --Remember, guidelines DIFFER from Food stamps and Medi-cal, vs Free

    lunch programs and WIC, or even State health insurance where you can pay

    for kid's health insurance (and dental).










  3. #3
    Herlean
    Guest

    Default Wic & Foodstamps, selling houses, assets, etc.

    Thanks for all of the information. You do make several valid points. Part of the problem with selling the house is paying the costs of moving - realtor fees (they don't do it for free), moving, packing, storage (presuming we move to a smaller place/an apartment and do not get rid of every single thing we own). Being money is so tight, where do we get the money to move? I have been entertaining that idea now & then, but I still can't figure out how we are supposed to afford moving out of here. Forget coming up with a deposit for an apartment. It's not there. I am open to your ideas for helping overcome this problem. I have come to realize the government assistance is most likely not coming our way. Figured that out months ago. Thanks again. I really appreciate your taking the time. Herlean

    herberkids3 <herberkids3@yahoo.com> wrote: These are the nation-wide income guidelines. The first set of
    numbers is for the continental US. The 2nd set is for Alaska, the
    3rd set is for Hawaii.


    WIC is much more relaxed on guidelines than foodstamps. As long as
    there is a child under the age of 5, and you fall within the income
    noted, you WILL qualify.

    If you are denied for any reason, but fall within the income
    guidelines, ask for a written note as to why you are being denied
    WIC.

    The guidelines are the exact same, state to state, with the
    exceptions of Hawaii & Alaska.


    Herlean- have you considered transfering your name off the title of
    the house? Put it in your husband's name, and tell them you pay
    rent. Tell them you are seperating, but have no
    place to go, so you
    are paying rent and half the utilities for now.

    It's crappy, I get it. I've been there before. But you have to be
    willing to go to the lengths they want to get the help. I know
    you've asked for help before, and it's hard to get. We've given you
    a LOT of information over the past few months, and while it might
    not all pan out, some will.

    You like the school system- I'm sure there are apartments in the
    same school system. You like the house- that's great, but if you
    can't pay the bills, it's an asset you can't afford. You want help
    with foodstamps, wic, etc, but don't qualify- you have a way to
    alleviate this by selling the home and living much cheaper.



    &#32;
    8:00? 8:25? 8:40? <a href="
    http://tools.search.yahoo.com/shortcuts/?fr=oni_on_mail&#news"> Find a flick</a> in no time
    with the<a href="
    http://tools.search.yahoo.com/shortcuts/?fr=oni_on_mail&#news">Yahoo! Search movie showtime shortcut.</a>


 

 

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •