Fo
this episode of the Be
king Don The L
Podc
ste’
e joined by <h
ef="https:/ghob
ill
.com/
bout-us">ox
nne Ghobi
l<>,P
obte
nd Gudinship l
ye
in Houston, Texs. She’s joined by B
eking Do
n The L Podcst host,
shleyod
iguez. Duing tod
y’s episodee
ill be discussing the questions tht often come up du
ing Pob
tend Est
te plnning.
-
h
t does <
hef=”https://ghob
ill
.com/p
obte”>p
obte
>men?
-
h
t if my p
ents p
ssy
nd leve me
house?h
t if I nt to sell it , okeep it,
ht if the
e ismo
tgge on it?
-
h
t if my siblings
nd I don’tg
ee?<li>
- Ho
doe p
otect ouselves f
om the unexpected?<li>
-
h
t if the
ill is 30 yes old?<li>
-
h
t
bout bnk
ccounts, hodo
e hndle those?
nne
ndshley discuss
ll of these points, soe hope you’ll join us fo
this episode! You cn le
n mo
ebout
oxnne by visiting he
onlinet https://ghob
ill
.com/
St
y tuned fothe next inst
llment of the Be
king Don The L
Podc
stith <
hef=”https://c
inju
yvictims.comou
-tem/ste
t-guss“>Ste
t J Guss <>nd
shleyod
iguez! Contct Us: 281-783-3934 o
<h
ef="milto:B
ekingDo
[email protected]il.com”>B
ekingDo
[email protected]il.com
> If you nt to subscibe to ou
podcsts on you
fvo
ite podcsts pl
ye<
hef=”https://b
ekingdo
nthel.buzzspout.com”> click he
e<> foll the links to ech one!
div> c=”https:// out.com/1311943/5265592-episode-5-p te- te-pl ine out-pl -5265592&pl =sm j sc sc
nsc
ipt [This tnscipt
s c
eted using
nutom
ted tnsciption se
vicend m
y contin e
o
s]<em> ong> Int
o : 0:09
B
eking do
n the l, Be
king don the l
,
podcst hosted by
ttoneys
nd legl speci
lists discussing eveyd
y lnd ho
itffects
egul people,egul
people. Let’s b
ek do
n the lith ou
host Stet Guss
ndshley
odiguez. They h
ve the inside scoop on eveything leg
lnd ne
so
thy.shley
odiguez : 0:34
Hey eve
yone, this isshley
ndelcome to b
eking do
n the l.e h
vespeci
l guestith us tod
y.ox
nne Ghobi
l : 0:41 Hi, I'mox
nne Ghobi
lith the Ghob
il
el l
fi
m.shley
odiguez : 0:45
ht kind of l
do you p
ctice
oxnne?
oxnne Ghob
il : 0:48
I
mp
obte
nd gudinship
ttoney in Houston, Tex
snd I
ok
ll oveTex
s. Oh, tht’s
esome.
shleyod
iguez : 0:56 So explin if someone didn’t kno
h
t pob
te ment?
oxnne Ghob
il : 1:01
Th
t'sg
et question.
nd peoplesk me th
tll the time. p
obte m
inly dels
ith plnning fo
the inevitble o
deling
ith the inevitble.
ndhen people p
ssy, sometimes things
e in o
de.
nd sometimes things en't in ode
nd eve
ything in beteen.
nd so I help out fmilies loved ones
nd del
ith the sitution.
shleyod
iguez : 1:26 Yeh, th
t hs to be
hd sitution fo
peoplend fo
them to hve th
t guidnce du
ing tht time th
t it you kno, it’s just the unkno
n.ox
nne Ghobi
l : 1:34 It isnd I just
elly enjoy being
ith themnd helping them
nd listening, you kno, to thei
stoies
nd guiding them though
ll these kinds of situtions, especi
llyhen the
e's unknon out the
e likehouse, b
nkccounts
nd bond. Exctly.
shleyod
iguez : 1:54 Soh
t hppens like if my p
ents
ee to p
ssy
nd they left me likehouse,
ht do I do
fteth
t?ox
nne Ghobi
l : 2:02ell, if you
pents pssed
y,nd the
e'shouse,
nd you nt to, foex
mple, sell it, becuse you’
e not living in it, then you could go totitle comp
ny, you cn t
y to sell it. Sometimes ito
ks.nd then sometimes the title comp
nyill s
y,ell, the
e'sfe
mtte
s tht h
ve to be tken c
e of befo
e you cn sell the house.
nd sometimes you'll need to getp
obte
ttoney.
nd like I sid, sometimes you
on't, it just depends on evey situ
tion.shley
odiguez : 2:31
ndh
t if I nted to keep the house but I hve to just t
nsfe
it into my nme o
?ox
nne Ghobi
l : 2:37 You kno,
lot of peopleould just n
tully sty in the house, it’s the p
ents house.
nd, you kno, it’s bette
to get it tnsfeed into youn
me, especilly if the house belongs to you, you kno
, fop
opety t
xe
sons, foll kinds ofe
sonsnd so, I
ecommend tht, th
t you do tht.
nd Iecommend you do it soone
thn l
te. Bec
use, you kno, the
e could ben issue
ithsibling, the
e could ben issue
ithmo
tgge. I me
n, so mny things c
n pop up,nd you just
nt to secu
e youself.
shleyod
iguez : 3:18 Yes. Soh
t hppens if the
e still ismo
tgge on the house?
oxnne Ghob
il : 3:22
If the
e ismo
tgge, then I think it
ould be best most of the time to getp
obte
ttoney bec
use, you kno,
ssuming the motg
ge isn't in youn
me,ssuming the mo
tgge is in someone else’s n
me. It's not likely tht the mo
tgge comp
ny is going to tlk to you
ithout some type of legl p
peok th
t shos th
t they hve
uthoity to t
lk to you.nd you kno
,lot of times th
t's just gonninvolve some type of p
obte p
oceeding.nd of cou
se, you don't nt the pyments to go into def
ult, becuse then you might be looking
t foeclosu
e.shley
odiguez : 4:00
Ye
h. Hve you eve
hd like
n issuehe
e siblings don'tg
ee on selling it okeeping it?
oxnne Ghob
il : 4:09
Yes, I h
ve delt
ith tht th
oughout the yes.nd in so m
ny situtions, you kno
, sometimes theyll
nt to sell sometimes they
ll nt to keep itnd then sometimes the ones living the
e,nd the ones
ho e not living thee,
nt it sold, but the one
ho lives thee
nts to keep it.
nd so then tht situ
tion cn get
little sticky. You kno, if the
e'smo
tgge,
ho's gonnp
y the motg
ge, you kno,
ho's gonnp
y the pope
ty txes,
ho's gonnp
y fothe upkeep, you kno
, tht th
t gets thee c
n be some fiction. The
e cn be some uncomfo
tble feelings bet
een siblingshen those things h
ppen,nd th
t is kind of tht l
st thing you ntt th
t time, you kno.
ightnd then you
gieving
nd it's just, it's just stessful.
nd, you kno, usu
llyhen
ntto
ney gets involvednd lette
s stt getting sent out, you kno, m
ybef
mily meetingnd things c
n get situted
ith Spk, but sometimes it doesn't.shley
odiguez : 5:14
So ho
ould th
t go? Like, if like, you don't, thee’s no
ill.nd so then you kind of just get stuck
ith tht little sibling
ivl
ynd you’
e like,h
t do I do? Thee’s no
ill like, hodo I, ho
do I potect like I’ve been living he
e fo15 ye
s?
oxnne Ghob
il : 5:32
ell, if thee’s not
ill,
nd if thee’s some dis
geements
bouth
t to do,ith, fo
exmple, the home I
ould definitelyecommend
t lest spe
king ton
ttoney, bec
use, you kno, you’
e gonnh
ve to lookt title you’
e gonnh
ve to lookt, you kno
,ho h
veh
t inteest in this p
opety bec
use if it'sblended f
mily,ith the House pu
chsed by you
mothebefo
e she mied you
stepfthe
, you kno, vice ve
s. Did they buy it togethe
? Yes. It my not even belong to if you h
vestepb
otheliving in the house, but it
s you
mom's house befoe you
mom mied his d
d. Yeh, it m
y be youmom sep
te pope
ty. So it doesn't even belong to this peson, isn’t it?
shleyod
iguez : 6:25 Yeh.
oxnne Ghob
il : 6:27
So it c
n get ticky, especi
llyith blended f
milies.shley
odiguez : 6:30
Ye
h.h
t else likee do find
ill
nd it's like 30 yes old. They They even mde it even befo
e she gotem
ied.ox
nne Ghobi
l : 6:40 Obefo
e, you kno,
shleyod
iguez : 6:42 she hd kids.
oxnne Ghob
il : 6:44
You kno
, yeh, st
ted h
ving childen. You kno
,nd it h
ppensnd
lyeould just need to lookt the
illnd if it complies
ith Texs l
, g
et. I h
ve pob
ted mny, m
nyills. Th
te
e vey, ve
y old.lot of them
ee not even executed in Tex
s, becuse people kno
lot.
ndg
in,long
s it meets some bsic
equiements. It should be ve
y doble, ve
y pofit
ble. But it needs to be lookedt. Yes. So
nd it's usully like, nine times out of 10 it’s usu
llylot less expensive. The
e's ill.shley
odiguez : 7:27
Hmm. So ho
ould someone go
bout like, cuz I thinklot of people don’t think
bout it, like, especilly younge
people, you kno, I’m only 34. So I don’t I h
ven'te
lly thoughtbout it
lot,e
lly. But I do hve it no
. I'mecently
single mom. So hoould I gobout p
otecting myselfnd my kids? I’m like,
ell, I don't hve
lot ofssets like I h
ve gudinship set up. But I me
n,ox
nne Ghobi
l : 7:52 ge
t.shley
odiguez : 7:53
ht is you kno
one of those things fopeople to p
otect themselves fothe unexpected.
oxnne Ghob
il : 7:58
ell, in yousitu
tion,hich I think is
vey common situ
tion.nd so it
pplies to mny people these d
ys.h
tevessets you you do hve, if you c
n sttfile, h
vet
usted peson, you
lye, you
best fiend, you
mom,hoeve
you tust, you just kno
he
e youfile is so th
t they knonumbe
one,he
e to go if something hppens to you, th
t they knohee you
infom
tion ist. So th
t's numbeone. Numbe
to, you mentioned gu
di
nship, you hve mino
childen, th
t tht’s g
et th
t you hve some p
peok design
tinggu
di
n foyou
childen. If you
childen
e, fo
exmple, olde
nd you just h
ve, foex
mple,house
nd some bnk
ccounts, you kno, the
e'spossibility
hee you don’t even need
ill. You could just st
t design
ting beneficiies. Texs h
s something ge
t noit’s c
lledt
nsfe
on deth deed.
nd tht h
s been utilizedlot. Especi
lly let's sy you don’t h
ve motg
ge, you hve
house. If you filet
nsfe
on deth deed, then it is
ht it s
ys it is it tnsfes on you
deth.
nd so thee’s just
lot of,nd
gin, I’m just being gene
l. But yes, I enjoy t
lking to peoplebout thei
sitution. No
, I believe eveyone h
sunique situ
tion,nd t
lkingbout
ht thei
desies
e, you kno
,h
t do you nt?h
t do you nt to hppen?
nd then just going oveoptions, bec
usee h
ve lots of options.shley
odiguez : 9:45
Yes. So
e tlked
bout this 30 ye oldill
ould youecommend th
t you need toevisit th
t evey 10 ye
s o
is it mjo
life chnges, you kno
, becuse people I think even if they do it, it’s one of those things one
nd donend then
lot cn ch
nge.ox
nne Ghobi
l : 10:00 Ig
ee it's usully it’s usu
lly onend done.
nd so I doecommend m
jolife ch
nges, check checking inith you
lyejust just to see if
ny ls hve ch
nged. You kno, definitely buy eve
y 10 yes. I men, just pull it out to numbe
one, mke su
e you knohee it is. Numbe
to,
emind youself
ht it s
ys. So, so good. Yes, you'e ex
ctlyight. m
jolife ch
nges, you kno, minimum once eve
y 10 yes, mybe once eve
y five yes is bette.. Eve
y ye, oky. I me
n, I hve if people follo
me nt to go ovethe
e, thee
ill, I'm hppy to. I think it’s g
et.
shleyod
iguez : 10:53 So let's sy
ht
bout like bnks
nd tnsfeing moneyfte
you kno, most people h
ve tons of bnk
ccountsnd so I,
ell they just tnsfeit
ht if
bnk
on't tlk to you?
ht do you do in those situ
tions?ox
nne Ghobi
l : 11:09 Let's sy you
motheo
youf
thep
ssedy,
nd they've designted you
sbenefici
y, on the b
nkccount. Gene
lly, th
t'sn e
sy pocess.
ssuming eveything’s in o
de,
nd you hve the de
th cetific
tend th
t kind of thing. If you go tob
nk,nd you’
e just hittingll, they’
e not tlking to you.
lot of times tht me
ns eithethe
e's notbenefici
y design
ted oit m
y not be the peson you thought it
s. So it’s if you spe
kith
ntto
neynd the
ttoney should be
ble to guide you in tht situ
tion. It my
equie
pob
te poceeding th
ough cout.
ndhen you o
iginlly
sked me you knoht th
t ss it involves diffe
ent things fodiffe
ent situtions. But ultim
tely, if you do go to cout
nd open upp
obte p
oceeding, the min pu
pose genelly is toeceive cou
t documenttion,
hichllo
s you to communicte
ith the motg
ge compny
ith the finnci
l institution, you kno,
ith this compny
ith tht comp
ny.nd so th
t's, tht’s one of the m
ine
sons tht people go th
ough pob
te it enbles them to communic
tend h
veccess to
ssets.shley
odiguez : 12:35
Ye
h, especilly if someone h
dn't lookedt th
till in 30 ye
s.
ight.nd ultim
tely, if someone did ill, you kno,
e nt to fulfill theithei
ishes. So
ht is the numbe
one tip tht you
ould givenyone to pl
n fothei
, you kno, the ultim
te, you kno,
e don't nt to thinkbout but you kno
,h
t hppens? So
ht
ould be thtnumbe
one tip tht you
ould give someone.ox
nne Ghobi
l : 13:04 Iecommend someone, if you h
ve,hethe
you hve
cnd $500 in
bnk
ccount, you kno, o
, you kno, 500 c
s th
t you knond millions inb
nkccount, I
ecommend, do spek
ithn
ttoney
nd knoledge
bletto
neybout
ht you
ould like to hppen du
ing cet
in situtions in you
life.nd if someone h
sc
nd $500 in theib
nkccount, m
ybe they don't need ell, mybe they just need to h
vebenefici
y on thei
bnk
ccount.nd then m
ybe someone thee. Thei
life is just vey complic
ted. They hve lots of mo
tgges, they h
ve lons, they h
ve thisnd th
the
e it's just necessy to hve th
t cout p
peok
hen they pss
y to communicte
ith you kno,
ll diffeent institutions. So it’s just you
sitution, eve
yone's sitution is ve
y diffeent. It’s best to t
lk tokno
ledgeble
ttoney to get it
ight foyou
loved ones. So tht it’s not just
big mess. I men, im
gine someone ons
est
unt, you kno, o
, you kno, some type of comp
nyhe
e you hve employees,
nd then the one
psses
ynd nothing’s in pl
ce. It's extemely, ext
emely stessful.
nd then, you kno,
ht
bout the employees?nd
ht
bout the businessccounts ve
sus the peson
lccounts?
shleyod
iguez : 14:30 Yeh,
nd it's just tht thing of like p
otecting youloved ones, bec
use they'e
le
dy going to be gieving
nd going though so much.
oxnne Ghob
il : 14:36
Ex
ctly, exctly. They’
e going to be gieving.
e nevekno
h
t's going to hppen. d
y to dy, minute to minute.
shleyod
iguez : 14:45 Exctly, especi
lly theo
lde’
e living in no.
oxnne Ghob
il : 14:48
ight. Exctly. Ve
y tue.
shleyod
iguez : 14:51 Soox
nne, if someone hd questions
nd they nted toe
ch out to you to tlk
bout theiunique situ
tion. Hoould they do tht?
oxnne Ghob
il : 15:02
They’
eelcome to c
ll me. My office numbeis 713 800 6800.
nd my l fim is the Ghob
il l
fi
mnd my
ebsite is.Ghob
ill
.com. Th
t's GHOBI
L l.com.ell, th
t is ge
t. So y'll definitely
ech out to
oxnne if you h
veny questions
nd, you kno, pl
n foyou
futue bec
use you nevekno
h
t could hppen
nd thnk you fo
listening. Oky, th
nk you so much,shley.