Open Enrollment Ahead: Which Health Insurance Plan Should You Pick?Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/09/27/open-enrollment-ahead-which-health-insurance-plan-should-you-picksusan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

http://www.dailyfinance.com/2012/09/26/open-enrollment-picking-health-insurance-plans/

Its almost time for the annual ritual of open enrollment, when you get to choose a health insurance plan and other benefits for the coming year. And while wading through all those documents and details may not sound like much fun, the right decision can save you enough money to make it worth the effort.
If you have multiple health insurance plans to choose from, your first consideration should be overall cost. The most comprehensive plans likely mean less money out of your pocket for co-pays and deductibles, but you’ll pay higher premiums to get that coverage.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Tips for Joint Venture Success. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/27/tips-for-joint-venture-success-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

 

 

Forming a joint venture (JV) or a partnership with another company benefits both sides in a variety of ways, such as shared capital expenses and human resources, faster access to new technologies, and the ability to draw from a larger, combined talent pool of workers. A joint venture can also help each side tap into new geographical regions and markets, as well as soften potential financial risks.
When larger companies bond with smaller ones, it’s usually to outsource some aspect of the project, such as research and development. The smaller businesses then capitalize on the larger companies’ IT resources to boost the quantity and the quality of their work (ideally).

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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America’s Hidden Unemployed: Too Discouraged to Count. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/27/americas-hidden-unemployed-too-discouraged-to-count-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

WASHINGTON (Reuters) – When Daniel McCune graduated from college three years ago, he was optimistic his good grades would earn him a job as an intelligence analyst with the government.

With a Bachelor of Science degree from Liberty University in Virginia, majoring in government service and history, McCune applied for jobs at the National Security Agency, the Federal Bureau of Investigation and other agencies.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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HUD-certified counselors can help homeowners avoid foreclosure. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/27/hud-certified-counselors-can-help-homeowners-avoid-foreclosure-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

To avoid foreclosure, the Giordanos applied twice to their lender for refinancing under the government’s Making Home Affordable program. Twice they were turned down.

“We were not getting the right information from our bank,” said Joy Giordano, who had to close her advertising specialties business because of the economic downturn. “We did everything we were told to do. But each time, we were not approved because of this or not approved because of that.”

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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8 Things You Could Buy … That Aren’t Worth the Money. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/27/8-things-you-could-buy-that-arent-worth-the-money-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca-2/

.
We all have our bad spending habits: a $3 latte in the morning, an expensive taxi fare now and then, a cheap piece of jewelry when we’re down in the dumps.

We’re all for splurging, especially if you do it right. In other words, go ahead and buy the things that make you happy, as long as those small purchases motivate you, and you plan them out for maximum enjoyment … rather than simply throwing your money away.
For example: You buy yourself a bouquet of fresh flowers at the end of the month as a reward for staying on budget. Let’s say that costs you $20 a month, which adds up to $240 a year. That might sound like a lot, but if it motivates you to stay on track with your budget, you’re probably saving yourself way more than $20 each month. So we call that a good splurge.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Home prices rise for 6th straight month, but less than expected. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/09/26/home-prices-rise-for-6th-straight-month-but-less-than-expected-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

A sign advertising a home for sale is seen August 28, 2012 in Los Angeles. According to a widely-watched survey, single-family home prices rose for the sixth consecutive month in July. By Reuters U.S. single-family home prices rose for a sixth month in a row in July, though the improvement was not as strong as expected, a closely watched survey showed on Tuesday. The S&P/Case Shiller composite index of 20 metropolitan areas gained 0.4 percent in July on a seasonally adjusted basis, shy of economists’ forecasts for 0.9 percent, according to a Reuters poll. On a non-adjusted basis, prices fared better, rising 1.6 percent. Six years after its collapse, economists believe the housing market has turned a corner. Recent data show home resales and groundbreaking on new properties rose in August, while business sentiment among homebuilders picked up to a more than six-year high this month. The home price data confirmed “recent good news” about the sector, David Blitzer, chairman of the index committee at Standard & Poor’s, said in a statement.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Work-at-Home Jobs that Really Pay. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/09/26/work-at-home-jobs-that-really-pay-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

If you don’t relish the thought of hustling to a workplace every day or you’re having a hard time securing a local gig, there’s never been a better time to work from home: More than 40 million Americans do it, according to the advocacy group Telework Coalition. And as the economy improves, more companies will be looking for additional staff. For most at-home jobs, you’ll need a computer and an Internet connection, some basic skills and a can-do attitude.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
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Bottom Fifth Of Americans Spent Double Their Incomes In 2011. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/09/26/bottom-fifth-of-americans-spent-double-their-incomes-in-2011-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

The United States’ lowest earners spent more than double their incomes last year, according to data released Tuesday by the Labor Department.

The bottom fifth of the U.S. income distribution — 24.4 million households — on average earned $10,074 in after-tax annual income and spent $22,001 last year, according to the Labor Department.
This percentage of households includes many retirees, who are presumably living off savings.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Cedars-Sinai and UCLA cut from Los Angeles health plan. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/26/cedars-sinai-and-ucla-cut-from-los-angeles-health-plan-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

Cedars-Sinai has long captured the public’s attention because celebrities have sought out treatment there for years. (Rick Meyer, Los Angeles Times / June 9, 1994)
Two of the most prestigious names in Southern California healthcare — Cedars-Sinai and UCLA — are getting shut out of a major insurance plan for being too expensive.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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https://twitter.com/#!/lawyer93001
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FHA eases burdensome condo financing rules. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/26/fha-eases-burdensome-condo-financing-rules-

The controversial rules had caused thousands of buildings across the country to lose eligibility for FHA financing.WASHINGTON — Here’s some encouraging news for condominium unit owners, sellers and buyers: The biggest source of funding for low-down-payment condo mortgages, the Federal Housing Administration, has revamped controversial rules that caused thousands of buildings across the country to lose their eligibility for FHA financing.

The revised guidelines, which were issued Sept. 13 and took effect immediately, should make it easier for large numbers of homeowner associations to seek certification by the FHA. The certification process is intended to provide the FHA, a government-run mortgage insurance agency, with key information about a development’s legal, physical and financial status. Without approval of an entire development — regardless of whether it’s a small complex in the suburbs or a massive high-rise in the center city — no individual unit can be financed or refinanced with an FHA mortgage.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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https://twitter.com/#!/lawyer93001
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Credit score you see may not be the one the lender does.

http://bkhelpnow.com/wordpress/2012/09/25/credit-score-you-see-may-not-be-the-one-the-lender-does/

The credit scores that consumers buy from credit reporting agencies sometimes differ from the scores lenders see when deciding the terms of loans, potentially to the detriment of the consumer, a U.S. watchdog agency said on Tuesday.
About one in five consumers purchasing a credit score is likely to receive a substantially different score than a potential lender would see, according to the report from the Consumer Financial Protection Bureau.
That could lead those consumers to waste time applying for loans they cannot afford or to take out loans with worse terms than they could get if they saw the same score as the lender, the consumer agency said.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Discover to refund $200 million to customers for deceptive telemarketing

http://money.cnn.com/2012/09/24/pf/discover-penalty-telemarketing/index.html?hpt=hp_t1

 

NEW YORK (CNNMoney) -- Discover Bank has agreed to refund $200 million to more than 3.5 million cardholders over claims of deceptive telemarketing.
The Consumer Financial Protection Bureau and the Federal Deposit Insurance Corporation announced the agreement Monday, following a joint investigation that found Discover's telemarketing and sales strategies misled consumers about additional products that can be bought when opening credit cards.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Scam watch: Online car sales, secret shoppers, resort hotel. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/23/scam-watch-online-car-sales-secret-shoppers-resort-

One of the perpetrators in the online car scam bought a Mercedes Benz CLS63 AMG with stolen money, prosecutors said. (Mercedes Benz)
Here is a roundup of alleged cons, frauds and schemes to watch out for.
Online car sales – Two foreign nationals have pleaded guilty to running an Internet auto-sales scam that caused victims to lose more than $4 million. Corneliu Weikum, 38, a Romanian citizen who lives in Germany, and Yulia Mishina-Heffron, 24, of Russia, were accused of advertising cars for sale on popular websites such as Yahoo, EBay and AutoTrader, taking payment from victims and then never delivering the cars.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Retirement savings, paying off toxic debt should be priorities. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/23/retirement-savings-paying-off-toxic-debt-should-be-

Dear Liz:I have read tons of books on finance and debt repayment, but I’m having trouble deciding what to do next. My husband and I are 52. He receives a monthly disability income, and I work two days a week. We still have about $105,000 left before our mortgage is paid off. We also owe about $7,000 in credit card debt and $5,500 in overdraft charges.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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https://twitter.com/#!/lawyer93001
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From Parents, a Living Inheritance. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

 http://bkhelpnow.com/wordpress/2012/09/23/from-parents-a-living-inheritance-susan-salehi-

For all of the conversation this week about Mitt Romney’s views on federal income taxes and personal responsibility, his insistence that “I have inherited nothing” may be the most thought-provoking.
Enlarge This Image
 

Bucks

George Lewis’s family started a fund nearly 50 years ago to help young relatives pay for their educations with interest-free loans.
His comment, which was among those he made in the video of a fund-raiser that Mother Jones magazine posted Monday, has inspired a few skeptical reactions, given his privileged background. But leaving the breadth of his advantages aside, the comment speaks to an often unspoken distinction among families that can determine who gets ahead, who gets along and who merely scrapes by.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
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Medicare Bills Rise as Records Turn Electronic.Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/23/medicare-bills-rise-as-records-turn-electronic-susan-.

When the federal government began providing billions of dollars in incentives to push hospitals and physicians to use electronic medical and billing records, the goal was not only to improve efficiency and patient safety, but also to reduce health care costs.
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Robert Burleigh was overbilled for an emergency-room visit because the hospital’s electronic records included examinations he had not been given.

Mr. Burleigh keeps a spreadsheet of the charges and payments for his overbilled emergency room visit.

But, in reality, the move to electronic health records may be contributing to billions of dollars in higher costs for Medicare, private insurers and patients by making it easier for hospitals and physicians to bill more for their services, whether or not they provide additional care.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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3 Ways to Beat the IRS in 2013 If America Falls Off the Fiscal Cliff

http://www.dailyfinance.com/2012/09/21/beat-the-irs-fiscal-cliff-tax-increase/

Tax planning is never simple, and right now, it's more complicated than ever, as the upcoming election has left a large fraction of America's lawmakers unwilling to tackle the fiscal cliff we're hurtling toward, or the automatic tax increases that are part of it.

Although the outcome of the elections will obviously have a big impact on tax policy going forward, for now, a host of tax increases are slated to take effect that will hit higher-income taxpayers hard.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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A Winning Strategy for Saving: These Sites Make It a Game

http://www.dailyfinance.com/2012/09/20/saving-money-game-smartypig-saveup/

With interest rates so low these days, it's hard to get motivated about putting money into a savings account. But it is important for us to save, and so services have popped up that use other methods to encourage us. Two in particular -- SaveUp and SmartyPig -- turn the act of saving or paying down debt into a game: Play enough, and you can get sweet deals on gift cards or win a new iPad.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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The Most Depressing Student Loan Stories

http://www.dailyfinance.com/2012/09/20/the-most-depressing-student-loan-stories/

 

By Mandi Woodruff

With total student loan debt long past the $1 billion mark, activists are doing all they can to put as many faces on the crisis as possible.

Their mission is simple: To convince Congress student loan debt should be dischargeable through personal bankruptcy.

"We want the world and our leaders in Washington to see these are not just numbers on a piece of paper," says Robert Applebaum, co-founder of studentdebtcrisis.org. "These are real people struggling day to day with student debt."

Through the end of September, Applebaum's site is running a video challenge asking borrowers to submit their student loan horror stories. Each video is then ranked by viewers.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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2013 401k and IRA contribution limits. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://thefinancebuff.com/2013-401k-and-ira-contribution-limits.html


The Consumer Price Index for August 2012 was released last Friday. It gives me one more data point to calculate 2013 401k and IRA contribution limits. Because of various rounding rules, I don’t necessarily have to wait until next month to project what the 2013 contribution limits will be.
Here are my projections:

	2012	2013	Increase
Limit on employee contributions to 401k, 403b, or 457 plan	$17,000	$17,500	$500
Limit on age 50+ catchup contributions to 401k, 403b, or 457 plan	$5,500	$5,500	None
Traditional and Roth IRA contribution limit	$5,000	$5,500	$500
Traditional and Roth IRA age 50+ catchup contribution limit	$1,000	$1,000	None
SIMPLE 401k or SIMPLE IRA contributions limit	$11,500	$12,000	$500
SIMPLE 401k or SIMPLE IRA age 50+ catchup contributions limit	$2,500	$2,500	None
Maximum annual additions to all defined contribution plans by the same employer	$50,000	$51,000	$1,000
Highly Compensated Employee definition	$115,000	$115,000	None

If you are curious how the numbers adjust to inflation, see my post from last year 2012 401k and IRA Contribution Limits.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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