Thursday, February 28, 2013

Student loans: Welcome to subprime university

http://finance.fortune.cnn.com/2013/02/14/subprime-student-loans/?iid=F_F500M

Unlike the U.S. mortgage market, an imploding student loan market will have few immediate consequences, and that could be its biggest risk.

By Lauren Silva Laughlin
FORTUNE -- Make no mistake: the student loan market is a disaster. The Wall Street Journal recently reported that a third of borrowers in the $900 billion market are subprime, and about a third of those subprime borrowers aren't paying bills on time. Lending standards are not rigid. College education prices are inflating. And, at the very least, young college students facing a poor job market are offered seemingly endless amounts of cash with little initial recourse.
It's tempting to draw parallels to the U.S. mortgage market. But the two markets, at close glance, are nothing alike. A blow-up in the student loan market would have few immediate consequences -- and that is its biggest risk.
  • 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. 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

    Wednesday, February 27, 2013

    Make your money last all through retirement

     

    http://money.cnn.com/2013/02/11/pf/expert/retirement-withdrawals.moneymag/index.html?iid=HP_River

     

    This story is part of Money magazine's story 5 retirement choices: Get 'em right, live well which covers big decisions that can dramatically boost your income in retirement.

  • Decision No. 5: How much can you draw from your savings?

  • The decision: After you stop working, you'll have to figure out how much you can safely take out of your retirement portfolio each year -- a daunting task.
    Why it's important: The conventional strategy is to start with a modest withdrawal rate -- typically 4% or so -- and then adjust for inflation annually.
  • 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. 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

     

    Tuesday, February 26, 2013

    The risks (and rewards) of having a 'work spouse'

    http://management.fortune.cnn.com/2013/02/14/work-spouses/?iid=F_F500M

    If you've got a work "wife" or "husband," here's how to keep the relationship professional, productive, and drama free.

    FORTUNE -- When David Kurtz was browsing for engagement rings for his now-wife Rebecca, he sought advice from his "work wife" Christine, texting her photos and consulting her on styles until he found the perfect art deco number. He and Christine shared an office at a tech startup, putting in 14-hour days and working closely with each other. Christine helped Kurtz every step of the way in his courtship of Rebecca, from screening online dating profiles to editing his emails and suggesting outfits.
    "I clearly remember her getting me dressed for my first dates with my wife," says Kurtz, a Los Angeles-based entrepreneur. "When she came to my wedding, I had to thank her in front of everybody, 'Christine helped me not screw this one up.' "
  • 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. 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

     

    Monday, February 25, 2013

    'Do We Need a Prenup?' Why You Two Lovebirds Really Should Discuss It

    http://www.dailyfinance.com/2013/02/15/prenuptial-argreement-finance-love-money/


    Yours. Mine. Ours. The words take on new meaning when you're getting married -- and entirely different new meanings if you're splitting up. A lot of couples got engaged Thursday, and while no one can predict their future, many people find that a prenuptial agreement helps increase their security during the marriage, and ease the transition should it end. To others, starting out with a request for a prenuptial feels like stacking the deck against a happy union.
  • 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. 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

     

    Sunday, February 24, 2013

    Student loan debt -- a bit of good news


     \
    Some of the nearly 14,000 students receiving degrees are among the estimated 40,000 people filling Alumni Park at USC for the 129th annual graduation ceremony. (Mark Boster / Los Angeles Times / February 11, 2013)
    But those are the rare bits of good news in the otherwise dispiriting report on students’ escalating college debt.
    While concluding that diplomas are worth the money, the study by Wells Fargo economists found that the payoff may not come for years because graduates are squeezed by several factors.
    Tuition costs are rising faster than incomes. Graduates are having trouble finding solid jobs. And even when they find positions in their wheelhouse, some fields of study are relatively low-paying compared with the increasing debt students take on to secure their degrees.
  • 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. 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

    Saturday, February 23, 2013

    Hazards of having an ex-wife as credit card joint owner

    http://www.latimes.com/business/la-fi-montalk-20130210,0,4248122.column

    Dear Liz: My boyfriend is deployed. I have his power of attorney, and during his deployment I have paid off all of his credit card debt. The accounts now need to be closed because they are ones that were acquired with his former wife. I know you say that it will hurt his credit to close accounts, but I'd rather close them because they're tied to his ex..
  • 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. 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

     

    Friday, February 22, 2013

    Phone rate hikes have landline customers ready to cut the cord

    http://www.latimes.com/business/la-fi-lazarus-20130212,0,1491023.column

    AT&T customers report increases of as much as 50% since 2011. And the firm is not alone. Verizon also has been raising basic service rates.

     
    Lane Kasselman, an AT&T spokesman, defended the latest price hikes by saying they “reflect changes in the marketplace.” Above, the company's headquarters in Detroit are shown in 2007.


    Joseph Aguon believes in preparing for the worst. So even though he makes most of his calls using a cellphone, he maintains a landline at his home in the Fairfax neighborhood — just in case an earthquake or storm knocked out wireless service.
    But Aguon, 61, is finally ready to cut the cord, not because he's less mindful of potential disasters, but because AT&T keeps jacking up his rates.
    I've heard from dozens of AT&T customers in recent weeks about big jumps in their bills for basic landlines and measured phone service, which provides customers with a fixed number of local calls each month.
  • 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. 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


     

  • Thursday, February 21, 2013

    Daughter's Credit in Trouble After Mom Defaults on Shared Card

    http://www.foxbusiness.com/personal-finance/2013/01/30/daughter-credit-in-trouble-after-mom-defaults-on-shared-card/

     

    Dear Opening Credits,
    I added my then minor daughter as an authorized user on one of my credit cards that has since gone into default. My daughter is now ready to complete the FAFSA application, and I am concerned that it will affect her in a negative way. I have contacted the credit card company, and she has been removed as an authorized user. Is there anything else I need to do? Please help!
    - Angela
    Dear Angela,
    No need to worry -- you've already taken corrective action by removing your daughter's name from your account.
    It's true that authorized users have the same information woven into their consumer credit reports as the primary account owner. This kind of arrangement can work quite well, as long as the owner (who is entirely responsible for the bill) pays on time and keeps the debt nice and low. The authorized user will then reap the positive credit rating rewards.
  • 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. 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

     

    Wednesday, February 20, 2013

    Entrepreneurs Could Benefit from New Research and Development Tax Credit

    http://www.entrepreneur.com/blog/225664

     
    image credit: Shutterstock
    Entrepreneurs could benefit from a new research and development tax credit that has been proposed by bipartisan lawmakers in Congress. If it passes, the tax credit would bring serious savings to startups that spend money on innovation before they have turned a profit.
    Dubbed the Startup Innovation Credit Act of 2013, the bill would allow qualifying companies to claim the Research and Development Tax Credit against their employment taxes. Typically, a business deducts its research and development expenses from its taxable profits, which means the current R&D tax credit is useless for any startup that has not yet started making a profit.
  • 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. 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

     

    Tuesday, February 19, 2013

    10 Questions to Ask Yourself When Testing a Business Idea


     
    image credit: SpongeBob Squarepants
    You've got a business idea you're jazzed about, but aren't sure if it's feasible. What you need to do is test the concept to see how it stands up to a series of rigorous questions.
    "You are always testing," says Andre Marquis, Executive Director of the Lester Center for Entrepreneurship at Haas School of Business at the University of California, Berkeley. "What you start with is rarely what you end up with."
  • 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. 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


     

    Monday, February 18, 2013

    3 Apps to Help You Write a Business Plan

    http://www.entrepreneur.com/blog/225616

     
    image credit: Business Plan Premiere
    If you have a killer idea for a startup, but lack the time, resources and budget to develop a business plan, a business plan-generating app can help you get your plan on paper and, ideally, off the ground.
    A number of apps simplify the often tedious, complicated process of crafting a thorough bank- and investor-ready business plan. You provide the information, they organize it into a plan, and hopefully soon you'll be in business.
    Here's a look at three apps that can help get your business plan rolling:
  • 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. 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

     

    Sunday, February 17, 2013

    Hunting for Business Ideas? Consider Looking at These 8 Hot Industries

    http://www.entrepreneur.com/blog/225693

     
    image credit: Shutterstock
    There may be a lot of economic uncertainty, but that doesn't mean it's a bad time to launch a business. For a few business ideas, take a spin through this list of eight online industries expected to see healthy U.S. revenue growth in 2013 that are hot for startups, according to industry research firm IBISWorld.
    Social network game development -- People are spending more time on social networks like Facebook and they are also spending an ever increasing number of hours online, thanks to the rapid adoption of mobile devices like smartphones and tablets. Consumers are spending more time playing games that are embedded into their social network.
  • 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. 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


     

    Saturday, February 16, 2013

    IRS delays issuing tax refunds; fiscal cliff to blame?

    http://www.latimes.com/business/money/la-fi-mo-irs-delays-tax-refunds-fiscal-cliff-20130208,0,6901725.story

  •  
     
      Don’t worry if you haven’t received your expected IRS tax refund. Most people haven’t -- and the fiscal cliff is to blame.

  • The Internal Revenue Service is far behind its normal pace in processing federal tax returns and mailing billions of dollars in refunds, according to a new report.
    Through Feb. 3, the agency sent out only about $4.3 billion in refunds, according to the analysis by Nicolas Colas, chief market strategist at ConvergEx Group in new York.
    That’s far behind the $26.9 billion in refunds issued at this point in 2012. That’s a difference of $22.6 billion.
    And 2012 itself was a slow year because the IRS was grappling with security issues, according to Colas. Going back to 2005, the IRS normally has mailed $30 billion to $40 billion in refunds by this point.
  • 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. 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

     

    Friday, February 15, 2013

    Couples' Money Secrets: Financial Counselors Reveal Tales of Lies and Debt

    http://www.dailyfinance.com/2013/02/08/marriage-money-secrets-financial-counselors-lies-debt/

    "We do financial counseling, not marriage counseling or therapy," says Mike LeClear, director of counselors at Financial Hope Counseling and Education in Fort Wayne, Ind. But that hasn't stopped clients from asking LeClear to play the "enforcer" role when it comes to marital money spats.

    LeClear, who has been helping people overcome their financial hurdles for 15 years, says that when it comes to marriage and money, 90 percent of the time the wife is the money manager in the household.
  • 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. 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

    Thursday, February 14, 2013

    2012 Low-Cost Franchises

    http://www.entrepreneur.com/franchises/lowcost/index.html

     
    If you're ready to go bargain shopping, then you'll be interested in our ranking of the top franchises that can be started for under $50,000. These franchises are ranked based on their scores in Entrepreneur's Franchise 500®.
  • 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. 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

    Wednesday, February 13, 2013

    Just Explain It: Maximizing Your Social Security Retirement Benefits

    Social Security beneficiaries will receive a little more spending money this year thanks to the annual cost of living increase.
    According to the Social Security Administration, the average single beneficiary will get $21 more each month – $34 for couples. It’s not much to begin with, and some of that extra cash could end up going to things like higher Medicare premiums or just groceries.

    Which brings us to today’s Just Explain it.
    What’s the best strategy to maximize your Social Security check in retirement?
    We spoke to Richard Johnson, Director of the Program on Retirement Policy at the Urban Institute, to help break it all down.
    AARON TASK: What are some of the things you can do to maximize your Social Security retirement check?

  • 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. 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


    Tuesday, February 12, 2013

    What Could Ruin The Recovery in Housing

    http://www.thefiscaltimes.com/Articles/2013/02/04/The-Housing-Roadblock-that-Could-Kill-the-Recovery.aspx#page1


     
     
    The recently-tightened mortgage lending standards have been widely cited for preventing a faster turnaround in the housing market. But the bigger culprit may be the slowdown in construction loans for builders.
    Real estate industry experts and home builders have been warning for nearly a year that the lack of new home construction could slow the housing recovery. That moment may be here. The supply of existing homes for sale in December fell to its lowest level in more than 7 years: 4.4 months’ worth of homes are for sale at the current pace, according to data from the National Association of Realtors. That constricted supply, in turn, has driven up prices. December’s average prices nationwide were 11.5 percent higher than a year earlier, according to the NAR.
  • 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. 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

     

    Monday, February 11, 2013

    What Google’s Enhanced Campaigns Mean For Small Businesses

    http://www.webpronews.com/what-googles-enhanced-campaigns-mean-for-small-businesses-2013-02
     
    It’s been a huge week of news in the online maketing industry, particularly when it comes to Google. For one, Yahoo announced that it has signed a contextual ad agreement with Google, which will see Google display ads appear on various Yahoo properties, and even some co-branded sites. Before that, Google announced the launch of enhanced campaigns for AdWords, which is a huge evolutionary step (for better or for worse) for Google’s ad product, and by default, that means it has huge ramifications for online advertising.

  • 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. 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

     

    Sunday, February 10, 2013

    10 Questions to Ask Yourself When Testing a Business Idea

     
    image credit: SpongeBob Squarepants
    You've got a business idea you're jazzed about, but aren't sure if it's feasible. What you need to do is test the concept to see how it stands up to a series of rigorous questions.
    "You are always testing," says Andre Marquis, Executive Director of the Lester Center for Entrepreneurship at Haas School of Business at the University of California, Berkeley. "What you start with is rarely what you end up with."
    Where to begin? Here are 10 key questions to help you evaluate your business idea:
  • 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. 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
     

    Saturday, February 9, 2013

    Glitch in Health Insurance Overhaul May Leave Some Families Uncovered

    http://www.dailyfinance.com/2013/01/31/obamacare-health-insurance-glitch-affordability/




    WASHINGTON (AP) - Some families could get priced out of health insurance due to what's being called a glitch in President Barack Obama's overhaul law. IRS regulations issued Wednesday failed to fix the problem as liberal backers of the president's plan had hoped.


  • 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. 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

    Friday, February 8, 2013

    3 Apps to Help You Write a Business Plan

    http://www.entrepreneur.com/blog/225616

     
    image credit: Business Plan Premiere
    If you have a killer idea for a startup, but lack the time, resources and budget to develop a business plan, a business plan-generating app can help you get your plan on paper and, ideally, off the ground.
    A number of apps simplify the often tedious, complicated process of crafting a thorough bank- and investor-ready business plan. You provide the information, they organize it into a plan, and hopefully soon you'll be in business.
    Here's a look at three apps that can help get your business plan rolling:
    1. Enloop. This is an all-in-one web app that walks users through every step of creating a traditional business plan. Here's how it works: Based on the data you enter into the app, Enloop automatically generates sales, profit and loss, cash flow and balance sheet projections for you, complete with explanatory graphs and other compelling visual elements. Enloop also provides standard, yet customizable business plan text for each section of your plan, including portions focused on key company information and financial data.

  • 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. 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.comwww.bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
     

    Thursday, February 7, 2013

    Student Loan Debt Crisis: How’d We Get Here and What Happens Next?

     

    http://business.time.com/2013/02/04/student-loan-debt-crisis-howd-we-get-here-and-what-happens-next/?iid=biz-main-lead


    The amount of student loan debt and the rate of delinquency have been climbing for years now. If it seems like every new statistic is worse than the last, that’s because it is. Two studies released this week are no exception.

    Credit bureau TransUnion says that in the past five years, the average student loan debt each borrower carries has risen 30% to $23,829. More than half of student loan accounts, which add up to more than 40% of the total dollars owed, are in deferral status. This is just a temporary reprieve; students can defer for only a few years before they have to repay.
  • 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. 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
    www.bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
     

    Wednesday, February 6, 2013

    What's Your Best Tip for Making Quick Money? Bkhelpnow.com Susan Salehi Bankruptcy Ventura Oxnard Camarillo Bankruptcy Santa Barbara Woodland Hills Los Angeles CA.

    http://www.dailyfinance.com/2013/01/31/readers-best-quick-money-making-tips/


  • 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
    http://bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
     

    Tuesday, February 5, 2013

    4 Tax Breaks Every College Student Should Know About. Bkhelpnow.com Susan Salehi Bankruptcy Ventura Oxnard Camarillo Bankruptcy Santa Barbara Woodland Hills Los Angeles CA.

    http://www.dailyfinance.com/2013/02/01/best-college-student-tax-breaks

    A recent report by the New York Federal Reserve Bank shed a sobering light on how much debt Americans will carry with them into the new year.

    Though they managed to end the third quarter of 2012 with a $74 billion lighter debt load overall, consumers upped their non-mortgage credit debt by another $2 billion and took on $42 billion in new student loans.
  • 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. 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
    www.bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

     

    Monday, February 4, 2013

    Considering a startup competition? Here are 3 things to think about first. Bkhelpnow.com Susan Salehi Bankruptcy Ventura Oxnard Camarillo Bankruptcy Santa Barbara Woodland Hills Los Angeles CA.

    http://venturebeat.com/2013/02/01/considering-a-startup-competition-here-are-3-things-to-think-about-first/


     

    Winning a startup competitions is a great way for an entrepreneur to take an idea from concept to reality, to get attention, and to obtain initial funding, which can be one of the most difficult hurdles.
    I’ve won two startup competitions and have learned some lessons along the way.
    There are hundreds of startup competitions ranging from Arch Grants to MassChallenge, TechStars, Y-Combinator and Startup Chile. Here are three things you should consider when applying to a startup competition:
    1. How you get the money you win
    2. Location and the cost of living
    3. The startup network

    Sunday, February 3, 2013

    Tax Refund Delay Leads To Overdue Bills For Poorest Americans. Bkhelpnow.com Susan Salehi Bankruptcy Ventura Oxnard Camarillo Bankruptcy Santa Barbara Woodland Hills Los Angeles CA.


    http://www.huffingtonpost.com/2013/01/24/tax-refund-delay_n_2543412.html?utm_hp_ref=@money123

     


    Bobbie Fulton cannot wait to do her taxes. But thanks to Congress's prolonged fight over the fiscal cliff she won't be able to file her return until next Wednesday, nearly two weeks later than in past years. And that means all her bills will have to hold for now.
    “I have a lot of bills I expected to pay and the longer I push it back, the more money it costs me,” Fulton, a 52-year-old resident of Belmont, Calif., said.
    This year, all taxpayers will have to wait a little longer to electronically file their taxes and get their refunds. The delay is a direct result of Congress's failure to come to a timely deal to avert the fiscal cliff in December. When a tax deal was finally reached on Jan. 1 -- after the end-of-the-year deadline -- it was too late for the Internal Revenue Service to meet its standard mid-January start date for e-filers.

  • 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
    http://bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Saturday, February 2, 2013

    Iconic game company Atari files for bankruptcy protection. Bkhelpnow.com Susan Salehi Bankruptcy Ventura Oxnard Camarillo Bankruptcy Santa Barbara Woodland Hills Los Angeles CA.

    http://bkhelpnow.com/wordpress/2013/02/02/iconic-game-company-atari-files-for-bankruptcy-protection-bkhelpnow-com-susan-salehi-bankruptcy-ventura-oxnard-camarillo-bankruptcy-santa-barbara-woodland-hills-los-angeles-ca/

    Posted on by Law Office of Susan J. Salehi



    Atari said tonight it has filed for bankruptcy protection as part of a move to separate from its French parent company.
    The filing suggests that even the most venerated brands aren’t guaranteed to live forever. Atari’s name stretches back to the dawn of the video game industry with Pong. We’ve heard that Atari has been shopping itself to buyers for months.
    The move is an attempt to carve out a separate existence for the U.S. company. The filing includes companies operating under the names Atari Inc., Atari Interactive Inc., Humongous, Inc., and California US Holdings, Inc. The papers were filed in U.S. Bankruptcy Court in New York. The company, founded by Nolan Bushnell in 1972, expects to continue operations during the bankruptcy proceedings.
    • 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.  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
    www.bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Friday, February 1, 2013

    5 ways to fight your fears, get off your ass, and start that startup. Bkhelpnow.com Susan Salehi Bankruptcy Ventura Oxnard Camarillo Bankruptcy Santa Barbara Woodland Hills Los Angeles CA.

    http://bkhelpnow.com/wordpress/2013/02/01/5-ways-to-fight-your-fears-get-off-your-ass-and-start-that-startup-bkhelpnow-com-susan-salehi-bankruptcy-ventura-oxnard-camarillo-bankruptcy-santa-barbara-woodland-hills-los-angeles-ca/

    Posted on by Law Office of Susan J. Salehi


    http://venturebeat.com/2013/01/18/5-ways-to-fight-your-fears-get-off-your-ass-and-start-that-startup/s



    You know that you want to quit your job and that you want to start a startup. You’ve had this desire for quite sometime now and you really must begin.
    But you don’t.
    You don’t because you’ve got responsibilities. You don’t because you’ve not got the perfect time. You don’t because you don’t have enough cash. You don’t because you procrastinate.
    The bottom line is, you don’t because you’re afraid. The rest are all excuses.
    • 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
    http://bkhelpnow.com/wordpress
    http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
    http://www.youtube.com/watch?v=PMJSiWP2Pzw
    http://www.youtube.com/watch?v=hLzM0Hi6q10
    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms