Sunday, March 31, 2013

Solved: 10 Social Security Mysteries

Social Security is America's largest source of retirement income. But most of us have little or no idea how it works. Worse yet, misinformation causes poor retirement decisions. Here are straight facts about Social Security's top 10 mysteries.

First, some background. Social Security is insurance, paid for by workers and employers. Only workers and their families benefit from it. It insures against loss of your work income due to retirement (or age), disability or death. It has an annual cost of living adjustment (COLA) equal to the inflation rate, to protect your long-term buying power.

Mystery #1: Will Social Security be there for me? Social Security can pay 100% of all promised benefits until 2033. After 2033 it can pay about 75% of promised benefits. There are numerous options to extend solvency indefinitely with a mix of tax increases and/or benefit cuts. If you're a pessimist, subtract 25% from your SSA benefit estimate.
  • 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

    Posted by at No comments:
    Labels: , , , ,

    Saturday, March 30, 2013

    Why Business Loans Are Up for Grabs

    http://www.entrepreneur.com/article/225996

     
     
    After years of being beaten up and blamed for every ailment besetting the economy, banks may be able to start defending themselves a bit. For several years now, many small-business owners reported having trouble securing loans for their enterprises. That certainly sounded consistent with what we know about the economic downturn -- small companies and their balance sheets were hit hard during the recession, and increased bank regulation made it increasingly challenging for some businesses to qualify for a loan.
    But that situation has changed.
  • 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

    Posted by at No comments:
    Labels: , , , ,

    Friday, March 29, 2013

    The Time, and Place, to Buy


    http://www.nytimes.com/2013/03/10/realestate/the-right-time-and-place-to-buy.html?adxnnl=1&ref=economy&adxnnlx=1362866941-Ptw46WTgtfUdi1AaeGbCGA
     

  • 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



    Posted by at No comments:
    Labels: , , , , ,

    Thursday, March 28, 2013

    Home shopping: Should you buy new?

    http://money.cnn.com/2013/03/01/real_estate/home-buying.moneymag/index.html



    A newly-constructed home is likely to be priced 10% to 15% higher than an existing one.
    (Money Magazine)

    It's official: After years of little activity, homebuilders are dusting off their jackhammers.

    Last year housing permits hit their highest level since 2008, according to the Census Bureau, and new-home sales grew 20% from the prior year.

    "Builders are more optimistic than they have been for several years," says Patrick Newport, an economist at IHS Global Insight.
    An untouched abode offers advantages, of course, such as a sleek modern layout and few repairs. Buying an existing home, however, may allow you to seal the deal faster and can offer better short-term price appreciation.
    These head-to-head comparisons can help you decide which choice better fits your priorities.
    SALES PRICE
    Winner: Draw

  • 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


    Posted by at No comments:
    Labels: , , , , ,

    Best places to buy foreclosures

    http://money.cnn.com/2013/03/08/real_estate/foreclosure-sales/index.html


    The average discount on homes sold in a foreclosure was 39% below conventional sale prices during the fourth quarter, according to RealtyTrac.
    NEW YORK (CNNMoney)

    Shoppers willing to buy homes sold in foreclosures or short sales are nabbing them at deep discounts, especially if they know where to look.

    Nationwide, the average discount on homes sold in a foreclosure was 39% below conventional sale prices during the fourth quarter, while prices on homes sold in a short sale averaged 23% below market, according to RealtyTrac, the online marketer of foreclosed properties.

    Best foreclosure markets
    City Median foreclosure price Discount
    Cleveland $57,592 56%
    Dayton, Ohio $50,679 57%
    Charlotte, N.C. $111,260 43%
    Columbus, Ohio $87,994 48%
    Palm Bay, Fla. $87,018 39%
    Winton-Salem, N.C. $72,356 49%
    Daytona Beach, Fla. $88,012 33%
    Canton, Ohio $57,339 48%
    Greensboro, N.C. $85,333 40%
    Pensacola, Fla $100,825 33%

  • 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

    Posted by at No comments:
    Labels: , , , ,

    Boomerang buyers return to market after foreclosure

    http://money.cnn.com/2013/03/11/real_estate/foreclosure-homes/index.html

      Susan and Dave Edwards lost their home to foreclosure in 2010. Just two years later, they have bought a new place.
    NEW YORK (CNNMoney)

    Borrowers who lost homes to foreclosure during the housing bust are starting to buy again.

    Since the housing bubble burst, 4.8 million borrowers have lost their homes to foreclosure, and another 2.2 million gave them up in short sales, according to RealtyTrac. While many are still struggling to recover financially, a growing number are starting to bounce back -- and they are looking for a new place to call home.

    Susan Edwards and her husband, Dave, lost their Palmdale, Calif., home in 2010 after Susan's severe arthritis made it impossible for her to work her medical device sales job.
    The medical bills soon piled up and the couple could no longer afford their $2,300 monthly mortgage payment. In addition, their home's value had plunged 40% below the $325,000 mortgage balance.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    10 Questions to Ask Before Selling Your Business

    http://www.entrepreneur.com/article/225984

     
    If you’re thinking about selling your business, think twice. Selling a business should never be a spur-of-the-moment decision, says Curtis Kroeker, group general manager for San Francisco-based BizBuySell.com and BizQuest.com, business-for-sale marketplaces that have an inventory of about 40,000 businesses. "You need to figure out things like if you should sell, when is the best time to sell, and what you need to consider before selling.
  • 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

     
    Posted by at No comments:
    Labels: , , , ,

    New College Guarantee: Graduate in 4 Years or the Extra Tuition Is Free

    http://www.dailyfinance.com/2013/03/06/college-graduation-four-year-guarantee/



    Now that the average college freshman takes more than five and a half years to graduate, a growing number of colleges are trying to entice students with guarantees that they will finish in four years -- or the extra tuition will be free.

    But most of these four-year guarantees come with fine print that can disqualify many applicants, such as requiring students who sign up for the program freshman year to declare and stick to a major all four years, take inconvenient classes or forgo study abroad. In addition, even the most generous of the guarantees only offer to cover tuition after the fourth year -- students still have to pay for dorm and living costs.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Can Poor Credit Cost You a Job? A Recent Study Says Yes

    http://www.dailyfinance.com/2013/03/11/can-poor-credit-cost-you-a-job-a-recent-study-says-yes/

    By Blake Ellis

    One in four unemployed Americans have been required to go through a credit check when applying for a job, and one in ten have been denied jobs due to information in their credit report, according to a survey by liberal think-tank Demos of about 1,000 low- and middle-income households with credit card debt.

    "Employer credit checks are common and they're keeping people from getting jobs," said Amy Traub, Demos senior policy analyst and author of the report.

    While people tend to think credit checks are only conducted for senior level positions, the study found they are often used for entry-level, low-paying positions as well -- even for jobs like delivery drivers and frozen yogurt servers.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Wednesday, March 27, 2013

    For Parents-to-Be, a Few Financial and Legal Tips

    http://www.nytimes.com/2013/03/09/your-money/financial-tips-for-expectant-parents.html?ref=your-money&_r=0

     
    Once you hold your new baby in your arms for the first time, the last thing on your mind is all of the money-related tasks and decisions you have to make.

    Handling this while you’re bleary-eyed is guaranteed to lead to less-than-optimal choices. As a new mother myself, I did my best to prepare ahead of time. But nearly seven months later, even this personal finance reporter hasn’t managed to fully organize her financial and legal affairs.
     
    What I have done is create a series of to-do lists, one for before and after the baby arrived, which has certainly helped my family maintain some sense of order. So sometime after you start considering baby names, but well before you start to assemble a crib and decorate a nursery, try to check off as many of these as possible.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Monday, March 25, 2013

    Identity Thieves Are After Your Children

     http://www.dailyfinance.com/2013/03/11/identity-theft-children-prevention/
    As f parents didn't have enough on their minds, now they have to worry about making sure their offspring aren't in the crosshairs of financial scammers. According to AllClear ID, an identity-theft protection company, children are 35 times more likely than adults to be identity theft victims.

    It's hard to nail down exactly how pervasive the crime really is.


  • 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

    Posted by at No comments:
    Labels: , , , ,

    Sunday, March 24, 2013

    Savings Shrink as Americans See Biggest Monthly Income Drop in 20 Years

    http://www.dailyfinance.com/2013/03/07/savings-shrink-as-americans-see-biggest-monthly-income-drop-in-2/



    Feeling poorer?

    Americans saw their income drop so dramatically in January that it marked the deepest one-month decline in 20 years.

    Personal income decreased by $505.5 billion in January, or 3.6%, compared to December (on a seasonally adjusted and annualized basis). That's the most dramatic decline since January 1993, according to the Commerce Department.

    It's something of a combination of one-time events, though.
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Saturday, March 23, 2013

    Well on Just $14,000 a Year

    http://www.dailyfinance.com/2013/03/05/how-this-family-of-4-lives-well-on-just-14-000-a-year/

    In the years since the recession, the median household income in the U.S. has dropped to just over $50,000, while fixed costs like health care, higher education, and housing have only soared. Now imagine trying to support a family of four on a fraction of that income.

    It's a reality that stay-at-home wife and mother of two Danielle Wagasky has lived for the last four years. And, perhaps a little surprisingly, she wouldn't have it any other way.

    Wagasky, 28, lives with her her husband, Jason, 31, and their two young children in a three-bedroom family home in Las Vegas, Nevada. While Jason, a member of the U.S. Army, completes his undergraduate studies, the family's only source of income is the $14,000 annual cost of living allowance he receives under the G.I. Bill.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Friday, March 22, 2013

    5 Extreme Ways People Paid Off Their Credit Card Debts

    http://www.dailyfinance.com/2013/03/07/paying-down-credit-card-debt-extreme-ways/

    We've all heard of the usual ways people try to save or generate more money to pay off their debts: cutting out the daily latte, brown-bagging lunch, getting a weekend job, or starting a side business selling clothing, toys, or beauty products.

    But some people go to extremes to find ways to accelerate their debt payments and get rid of the IOUs once and for all.

    We asked credit counselors across the country to share some of the more dramatic approaches their clients have used to get out of debt.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Thursday, March 21, 2013

    Businesses In Military Towns Brace For Budget Cuts



     
    FAYETTEVILLE, N.C. -- Like many who make their living in the commercial strip outside the gates of Fort Bragg, Mike Thomas is confident the $85 billion in automatic military spending cuts will hurt sales at his used car lot and rim shop.
    The vast majority of his customers work on the base, and smaller paychecks means less money for the four-wheel drive Jeeps, chrome wheels and window-rattling sound systems that are his specialty.
    While it remains too soon to measure the exact impact for small businesses that thrive on the civilians employed at the nation's largest military posts, owners already are bracing for the damage. Pentagon officials say the automatic budget cuts that took effect March 1 will result in one-day-a-week furloughs for 800,000 civilian employees across the U.S. starting next month, resulting in a 20 percent cut to their paychecks. Soldiers' salaries are exempt from the cuts.
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Wednesday, March 20, 2013

    How to raise startup funding from friends and family

    http://venturebeat.com/2013/03/03/how-to-raise-startup-funding-from-friends-and-family/


     
    When New York-based entrepreneur Matthew Hogan quit his steady job in finance to work on a startup idea, he told his two closest friends during a road trip to Atlantic City. A few months later, they each wrote Hogan a $25,000 check.
    Many tech entrepreneurs take investment from friends and family to test the viability of an idea. They raise just enough to fund a developer’s salary, office space, monthly rent, and a steady supply of ramen noodle soup.
    It’s a time-honored startup strategy, but it’s a risky one. Hogan could make his friends rich, if his startup takes off. But if it craters, that lost $50,000 could haunt their friendship.
    For Hogan, the investment buys him enough time to test the market opportunity for his startup, “DataCoup.” If all goes according to plan, it will earn him a place at a competitive tech accelerator program like TechStars, which he can parlay into additional investment.
     
    Andrew Frank, Matthew Hogan and Brian Kauffman
    “I’m solely investing in this idea because of Matt,” said Andrew Frank, an investment banking managing director. ”
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Tuesday, March 19, 2013

    3 Common Mistakes to Avoid When Naming Your Business

    http://www.entrepreneur.com/article/225859

     

     
    image credit: Shutterstock
    Picking the right business name is an important first step toward creating a successful company, but not everyone hits the jackpot on the first try.
    Often, people first choose names that are too wordy and don't have a catchy ring. You want a name that grabs the consumer's attention but doesn't try to cram in too much information, says Eli Altman, director of strategy at A Hundred Monkeys, a San Francisco-based branding and naming firm. "A good way to think about a name is that it's the start of a conversation.
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Monday, March 18, 2013

    Young Adults Are Too Broke to Get Loans

    http://www.dailyfinance.com/2013/02/28/young-adults-debt-levels-loans/



    Young adults are in less debt than they were a decade ago, but that's not a good thing.

    It's not because legions of Americans under age 35 have suddenly become fiscally responsible. It's more likely that their shaky economic foundations either prevent them from qualifying for a loan or even thinking about applying for one, according to those studying the trend.

    "It's a sign of economic struggle, not economic success," said Richard Fry, senior economist at the Pew Research Center. "They don't have the mortgage, but they don't have the house."
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Sunday, March 17, 2013

    Credit Limit Tricks: Keep a High Score While Still Using Your Card

    http://www.foxbusiness.com/personal-finance/2013/02/22/credit-limit-tricks-keep-high-score-while-still-using-your-card/

     

    Here's an axiom familiar to borrowers: Using too much of your available credit hurts your credit score. A personal finance rule of thumb that goes with it says that for a good credit score, keep your "credit utilization ratio" -- what you use versus how much you have to use -- below 30%. The rule applies to each card individually, and to the cumulative limits of all your cards.
    So if you have a card line with a $10,000 limit, for the best credit score, don't carry a balance higher than $3,000. Simple, right?
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Saturday, March 16, 2013

    7 Money Moves You Should Never Hide From Your Tax Preparer

    http://www.dailyfinance.com/2013/03/01/tax-returns-7-money-moves/


    Not to be pessimistic, but it's safe to assume that not every taxpayer is 100 percent truthful when it comes time to fill out their tax returns.

    In a 2011 IRS report, twice as many Americans (8%) said a little fibbing on tax returns is fine compared to the same survey issued in 2010.
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Friday, March 15, 2013

    Young Adults Are Too Broke to Get Loans

    http://www.dailyfinance.com/2013/02/28/young-adults-debt-levels-loans/

     

    Young adults are in less debt than they were a decade ago, but that's not a good thing.

    It's not because legions of Americans under age 35 have suddenly become fiscally responsible. It's more likely that their shaky economic foundations either prevent them from qualifying for a loan or even thinking about applying for one, according to those studying the trend.

    "It's a sign of economic struggle, not economic success," said Richard Fry, senior economist at the Pew Research Center. "They don't have the mortgage, but they don't have the house."
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Thursday, March 14, 2013

    The Tough Truth: My Biggest Financial Mistake Was…

    http://www.foxbusiness.com/personal-finance/2013/03/01/tough-truth-my-biggest-financial-mistake-was/ 

      REUTERS

    1 Mistake: I Didn’t Have an Emergency Fund

    •   iStock
      2 Mistake: I Lived on Credit
    •  
      3 Mistake: I Took Out too Much in Student Loans
    • REUTERS
      4 Mistake: I Mixed Business and Friendship
    •   REUTERS
      5 Mistake: I Saw Dollar Signs

    • 1Mistake: I Didn’t Have an Emergency Fund

        REUTERS
      Who: Corrina Hunt, 28, Jacksonville, Fla.
      Occupation: Lawyer, Farrah & Farrah
      Hunt unexpectedly got sick while in college with a bad case of food poisoning, and despite having insurance, her co-pay wound up being around $1,000.
      “My parents told me they weren’t paying for it and I was in college and was really poor. I just couldn’t afford to pay that amount. So I just ignored the payment.
      The hospital immediately sent her to collections, which has hurt her credit score. Hunt says she didn’t realize there were options like setting up a payment plan or negotiating the price and in turn, she was dogged by collection agencies for four years.

    • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Wednesday, March 13, 2013

    Having Car Buyer's Remorse? You Have Options

    http://www.foxbusiness.com/personal-finance/2013/03/01/having-car-buyer-remorse-have-options/




    If you've purchased a car and are now regretting your decision, you do have options, depending on the circumstances. In most situations, the dealer has no legal obligation to take the car back if you signed the sales contract. But, you may be able to get whatever reasons for your car buyer's remorse resolved and possibly even return the car.
    If you regret your decision because you feel like you got ripped off, gather documentation that shows in what way you were wronged. Request a meeting with the dealership manager and calmly present your case. While it's unlikely you'll be met with much consideration if you are the one who signed the original deal, this might work if you are acting on behalf of someone else, such as your college-aged child buying his first car or an aging parent.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Tuesday, March 12, 2013

    Her Financial Goal: Get a Handle on Retirement Planning

    http://www.dailyfinance.com/2013/02/22/financial-goal-401k-retirement-planning/

    Everyone has things they want to improve about their financial lives -- even those of us who are paid to write and think about money on a daily basis. To that end, the editors at DailyFinance and a few other AOL sites shared their 2013 goals with personal finance expert Jean Chatzky. Today she offers some tips to help Sarah Chazan, editor-in-chief of AOL Music, take control of her retirement plan.

    "For years, I've blindly been putting money into a 401(k) but have neglected to learn about what I'm investing in and if that's even the best course for my long-term goals," Sarah says. "Since Social Security isn't a given for my generation, it's really up to me to make sure I'll be financially secure when I decide to hang up my editors' shoes."

    Here's what Jean had to say:

    Step 1: Don't give up on Social Security just yet, but taking a more active role in planning your retirement is a necessity. The first thing I'd recommend is to take a good look at your 401(k) statement. You have information at your fingertips, and it arrives in the mail every month. You just might not know how to read it, which brings us to...
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Monday, March 11, 2013

    Consumers Spend Less When Using A Single Account, Study Finds


    http://www.huffingtonpost.com/2013/02/20/consumer-spending-single-account_n_2720017.html?utm_hp_ref=@money123
    You have too many bank accounts.
    That is, if you're trying to cut back on spending and save money. According to new consumer behavior research, the easiest way to stop overspending is to use only a single account.
    In new a study to be published in the forthcoming issue of the journal Organizational Behavior and Human Decision Processes, researchers found that consumers who made payments from a single account spent 10 percent less than those who had access to multiple accounts.
    The study divided 91 people into two groups and asked them to do some online shopping. One group made payments from a single spending account, while the other group had access to the same amount of money spread across multiple accounts.
  • 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


     
    Posted by at No comments:
    Labels: , , , , ,

    Sunday, March 10, 2013

    How to Play the Housing Market

    http://www.foxbusiness.com/personal-finance/2013/02/20/how-to-play-housing-market

    •  
       
    Between the pent up demand and low inventory, this year is shaping up to favor sellers in the housing market—something not seen in about six years.
    Data from real estate website Zillow shows housing inventor y in the U.S. is down close to 18% from last year, which means competition for homes on the market is severe. Stories of bidding wars and all-cash offers are plentiful in some markets, and are forcing buyers to play offense.
    “It varies by market, but in certain areas, like in the Bay Area or Orange County [in California], there is fierce competition for homes,” says Jani Strand, a spokeswoman for real estate company Redfin.
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Saturday, March 9, 2013

    The 13 Most Outrageous Job Interview Mistakes: Forbes


    http://www.huffingtonpost.com/2013/02/23/the-13-most-outrageous-jo_n_2744655.html?ir=Business
    RELATED: 12 Oddball Interview Questions For Interns
    The sluggish hiring environment may cause frustrated candidates to make avoidable mistakes–but no amount of stress or pressure can justify some of these outrageous gaffes. Nerves and lack of preparation can also be to blame, says Rosemary Haefner, CareerBuilder’s vice president of human resources, leading to errors like hugging the president of the company or calling your wife mid-interview to ask what’s for dinner.
  • 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

     
    Posted by at No comments:
    Labels: , , , , ,

    Friday, March 8, 2013

    How to Master the Allowance Question and Prepaid Cards in One Shot

    http://business.time.com/2013/02/15/how-to-master-the-allowance-question-and-prepaid-cards-in-one-shot/?iid=biz-main-lead


    Some years ago I was looking to set up a simple third-party automated allowance system for my three children and discovered that banks could be a costly facilitator. The fees for sub-accounts and weekly transfers were ludicrously high, given the small amounts of cash involved.

    But I was determined to get out of the business of handing cash to my kids either weekly or upon request. I was equally determined to put the kids on a budget and in charge of their own spending decisions, believing it to be the most effective financial teaching tool in the universe.

  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Thursday, March 7, 2013

    4 Things Identity Thieves Don't Want You To Know

    http://www.dailyfinance.com/2013/02/22/4-things-identity-thieves-dont-want-you-to-know/

     


    More than 11.6 million consumers reported identity theft in 2011, a 13 percent jump over the year prior and a figure that's likely to rise as we continue our love affair with digital banking.

    MoneyGram (MGI), the second largest money transfer business in the U.S., has learned a thing or two about the lengths fraudsters will go to dupe consumers.
  • 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

    Posted by at No comments:
    Labels: , , , , ,

    Wednesday, March 6, 2013

    Mortgage Relief Scams Still Going Strong

    http://www.dailyfinance.com/2013/02/15/mortgage-relief-scams-still-going-strong/

    In December, an elderly Kansas man was contacted by fraudsters posing as Bank of America (BAC) employees. They claimed his home was near foreclosure. Two months later, after he granted the con men access to his financial information, they made off with $110,000 of his money.

    More than five years have passed since the mortgage bubble began to pop, and scammers taking advantage of homeowners still abound. And the criminals have become increasingly sophisticated, sometimes posing as legitimate government agencies offering mortgage relief programs, or as representatives of mortgage companies themselves.
  • 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

    Posted by at No comments:
    Labels: , , , , ,
    Subscribe to: Posts (Atom)