Sunday, June 30, 2013

How to Protect Your Business From Personal Legal Trouble

 
 

Editor's Note: Learn from a panel of experts and entrepreneurs who have successfully financed their own ventures and are helping others do it at the Thought Leaders Live 2013 event May 29, in Long Beach, Calif. Event and ticket information can be found here.
Recently, I had a client get in a car accident that was clearly his fault. The other driver and passengers were seriously injured and the claims are going to be in the hundreds of thousands, if not millions. What makes the situation more precarious is that my client owns a successful business, a few rental properties and a personal home with equity in it. Regrettably, he and his wife had not taken steps to protect their wealth in the past because they didn't think something like this could happen to them.
  • 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
     

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    Saturday, June 29, 2013

    10 Questions to Ask Before Naming Your Business

     

     
      
    What's in a name? When deciding what to call your company, the answer is plenty. A business name can be too broad--or too confining. It can be too quirky--or not memorable enough. The challenge is to pick a name that's catchy, but also fits well with your particular type of business.
    Here are 10 questions to ask as you ponder various names, keeping in mind that the choice could make all the difference in establishing your company in the marketplace.
    What do I want a name to accomplish for my company?
    A name can help separate you from competitors and reinforce your company's image, says Steve Manning, founder of Sausalito, Calif.-based Igor, a naming agency. He suggests clearly defining your brand positioning before choosing a name, as Apple did to differentiate itself from corporate sounding names like IBM and NEC. "They were looking for a name that supported a brand positioning strategy that was to be perceived as simple, warm, human, approachable and different," Manning says.
  • 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
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    Friday, June 28, 2013

    The Real Power of Health Insurance

     


    As business owners, we tend to view health insurance as a nice perk to offer employees. But it's not a perk. It's a requirement for anyone choosing to go it alone as an entrepreneur.
    One thing that people--and I'm one of them--seem to forget when it comes to moaning about the escalating cost of health insurance is that we're buying a safety net.
    Other types of insurance help rebuild a house after a fire or buy a new car when the old one is demolished. But something strange happens to our interpretation of insurance when it comes to healthcare: We use it to pay for medical visits to deal with runny noses. This is akin to billing your auto insurance to fix a radiator hose.
  • 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
     
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    Thursday, June 27, 2013

    5 Reasons a Young Entrepreneur Should Raise Outside Funding

    http://www.entrepreneur.com/article/226708

     
     Many entrepreneurs cringe at the idea of seeking outside financing, as a deal will most likely require giving up control and equity. They want keep their business under lock and key and forgo investor scrutinizing their every move.
  • 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
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    Wednesday, June 26, 2013

    The Pros and Cons of Franchising Your Business

     

     
     
    Entrepreneurs who have developed a successful business often wonder if they should franchise as a way to expand their operations. Like any business model, franchising has its benefits and drawbacks.
    There's no way to know for sure whether franchising is right for your company until you evaluate its pros and cons in the context of your operations. That usually requires the help of a franchise attorney or consultant, but before you start talking to the experts, you should get a sense of the key advantages and disadvantages.

  • 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
     
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    Tuesday, June 25, 2013

    The Next Real Estate Bubble Has Already Begun (But It’s Not What You Think)

    http://business.time.com/2013/05/23/the-next-real-estate-bubble-has-already-begun-but-its-not-what-you-think/?iid=biz-main-lead

    The American public is, for obvious reasons, a bit gun-shy when it comes to asset bubbles. Ever since the financial crisis, market watchers have worried about bubbles in the stock market, in high yield debt, and even the reinflation of the real estate bubble. The latest asset class to receive worried attention from policy makers? Farmland.
  • 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
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    Monday, June 24, 2013

    How-To: Break 5 Bad Financial Habits

    http://www.savvysugar.com/Bad-Financial-Habits-How-Break-Them-18360999

     

    Everyone has a bad financial habit. We live in a country that spends billions on advertising to make us want to make purchases; However, if you are looking to make change and break your bad financial habits use these tips. Remember: even though the habits are hard to break .
  • 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

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    Sunday, June 23, 2013

    Ultimate Guide to Groceries: 33 Tips That Will Help You Save

    http://www.savvysugar.com/How-Save-Groceries-29786000

     

     

    1. Buy in-season fruits and vegetables. Buying fruits and vegetables can get expensive, so to cut down on costs, it's important to buy ones that are in season because if they aren't, they can cost twice as much.
    2. Play with overage. According to one extreme couponer, some stores like Walmart give overage, which means that if "you have a coupon for $3 and your item is only $2, that extra dollar goes towards your other items." You can apply overage toward items that rarely have coupons, like meat and milk.
      3.  
    3. 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.

    5. www.bkhelpnow.com


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    How Can I Prevent Another Denied Loan?

     


    Dear Debt Adviser,
    I applied for a home equity line of credit with my mortgage lender. I was denied, in part, because I've been late occasionally on my mortgage payments. I now have a credit score of 670 and a high-interest auto loan for $5,400 that I'd like to pay off. Do you have any financial advice for someone like me? Please help!
    -- Sherry
    Dear Sherry,
    One reason you were denied a home equity line of credit is because late mortgage payments put you in the category of a high-risk borrower. Your current credit score reflects that level of risk. Another reason you were denied is that you applied for a loan with the same lender using the same collateral.



    Read more: http://www.foxbusiness.com/personal-finance/2013/05/02/how-can-prevent-another-denied-loan/#ixzz2SHHWullo
  • 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
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    Saturday, June 22, 2013

    How Grads Can Negotiate a Salary and Benefits Package

     

    Salary negotiations are hard for even the most seasoned workers, but for college students fresh on the job market, the process can be intimidating. While talking about money can be uncomfortable, the discussion is necessary because it will determine grads’ starting income and potentially set the bar for future earnings.
    According to NACE’s April 2013 salary survey, the average starting salary for the Class of 2013 stands at $44,928, rising 5.3% from the 2012 average salary of $42,666. Employers expect some level of discourse with candidates about salary and benefits during the hiring process, experts warn grads tread carefully and handle discussions with the utmost professionalism


    Read more: http://www.foxbusiness.com/personal-finance/2013/05/03/how-grads-can-negotiate-salary-and-benefits-package/#ixzz2SHHHggvc
  • 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
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    Friday, June 21, 2013

    Supreme Court Arbitration Ruling Slices Away More Consumer Protections


    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

    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 
     
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    You're Never too Young to Think About Your Estate

     

    The last thing on the minds of young adults heading off to college is drafting a health care proxy and power of attorney. Once they emerge freshly educated four years later, visions of wills and trusts are also unlikely to be on their radar. After all, who thinks about ticking off items on an estate planning checklist while they're still in the throes of figuring out how they're going to pay off student loans?
    Not many people do, but there are a few bare-bones estate planning basics that even the college freshman could benefit from and that are nearly necessities for singles in their 20s and 30s.



    Read more: http://www.foxbusiness.com/personal-finance/2013/05/03/youre-never-too-young-to-think-about-your-estate/#ixzz2SHGO6Zwc
  • 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
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    Thursday, June 20, 2013

    Older Workers Back in Demand as Employers Hunt for Experience

     


    Workers across the board took a hit during the financial crisis and struggled to find work, but older candidates faced an even harder time regaining employment during and after the Great Recession. But that tide may be turning as employers are now looking to add older and more skilled workers to their payrolls.
    “Experience has come back into vogue in a big way,” says Charles W. B. Wardell III, president and CEO of executive search firm Witt/Kieffer. “Management experience is beginning to be a real criterion.”
    The economic downturn forced companies to do more with less on smaller budgets, which meant many people were promoted into management positions with little experience.  But a good worker doesn’t equate to an effective manager, and some promotions hurt office morale and led to high turnover. 

  • 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


    Read more: http://www.foxbusiness.com/personal-finance/2013/05/01/older-workers-back-in-demand-as-employers-hunt-for-experience/#ixzz2SHH6PnjR
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    Wednesday, June 19, 2013

    One Car Loan Request Accepted, Another Rejected?

     

    Dear Driving for Dollars,
    I bought a new car about a month ago. The finance guy at the dealership got car loan rate quotes from several lenders. He presented them to us and we selected one. In today's mail, I received a rejection letter from another bank stating it could not approve my loan.



    Read more: http://www.foxbusiness.com/personal-finance/2013/05/03/one-car-loan-request-accepted-another-rejected/#ixzz2SHGuS6ko
  • 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

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    Tuesday, June 18, 2013

    Four Costly Car Maintenance Mistakes to Avoid

     

    While the cost of car maintenance may be hard to swallow, postponing regularly scheduled maintenance actually can result in more costly problems in the long run. Postponing maintenance is the No. 1 car maintenance mistake, according to research by CarMD.com, which polled certified master technicians.
    Of the top 10 maintenance mistakes in the firm's study, four of them were related directly to regularly scheduled car maintenance and could be avoided. Take a look at these four and what you need to do to prevent them from hurting your wallet.



    Read more: http://www.foxbusiness.com/personal-finance/2013/05/03/four-costly-car-maintenance-mistakes-to-avoid/#ixzz2SHGYie59
  • 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
     
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    Monday, June 17, 2013

    Insurance That's 'Just Right' for an Old Car

     


    Whether you drive an aging set of wheels because it's cheaper or because it has sentimental value, there are important things you need to know about buying insurance for an old car. In your auto insurance quote, you don't want to spend more on coverage than you need, but you also don't want to wind up without enough car insurance.
    If you own a car that is getting on in years, you're not alone. Automotive research firm R.L. Polk & Co. reports that the average age of the more than 240 million cars and light trucks on U.S roads has climbed to a record 11.2 years. In 1995, the average age was 8.4 years. The recent recession has contributed to the trend of drivers keeping cars on the road longer..
  • 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



    Read more: http://www.foxbusiness.com/personal-finance/2013/05/03/insurance-that-just-right-for-old-car/#ixzz2SHGiUxuW
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    Sunday, June 16, 2013

    How This Couple Paid Off a $210,500 Debt in 5 Years


    http://www.savvysugar.com/How-Pay-Off-Debt-Five-Years-29776211


    Paying off all your debt is always impressive, especially when it runs up to six figures. Reddit user Biking posted about his and his wife's recent success of paying off $210,500 worth of debt, which includes their $127,500 home, $34,500 in car loans, and $48,500 in student loans. Further, they were also raising a kid, currently 3 years old, while trying to reach their goals. 

    The couple had initially bought their home when they were 24 and had been working toward paying of all their debt for five years. Biking says their combined income when they began was $77,000 and their income now is $127,800. Here's how they did it:

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    Saturday, June 15, 2013

    Should You Change Your Maiden Name? 5 Things to Consider

     

    http://www.savvysugar.com/Should-You-Change-Your-Maiden-Name-30208048


    Getting a ring on your finger doesn't just mean a fancy wedding; it also comes with big lifestyle changes. This includes the dilemma of whether or not you should change your maiden name. Before you make the plunge, keep these things in mind:
    • What to change it to: If you decide you want to change your name to reflect your new Mrs. status, keep in mind that there are plenty of choices. See this list for suggestions. You can do it the old-fashioned way and swap your last name for his, opt for a hyphenated hybrid of your last name and his, and more.
    • Your career: Is your full name synonymous with your career? Some women hang onto their maiden names because they've already established themselves in their field with their name. This is especially true for those who work in the media industry. They worry that changing their name may affect their advancement. Evaluate your priorities, and know that there are plenty of women who have changed their last names and continue to have successful careers, while there are plenty who are happy to have kept their maiden name.


    • 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
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    Friday, June 14, 2013

    Job Hunting? 8 Tough Interview Techniques to Prepare For

    http://www.savvysugar.com/Job-Interview-Advice-30112211

     

    Job interviews: Nobody likes them, but they inevitably stand between you and your dream job.
    Unfortunately, “What’s your greatest weakness?” is no longer the only hard-to-answer question hiring managers will throw your way.
    RELATED: 11 Things Hiring Managers Won't Tell You
    New techniques, designed to do everything from measure your ability to handle criticism in the moment to downright intimidate you, are now being wielded more frequently by HR managers.
    Life and Career Coach Anna Goldstein, founder of SelfintheCity.com, walks you through eight curveball interview techniques you might encounter, and the best way to ace each one.
    Read on to find out what made the list
    1. Subtle Scare Tactics
      It’s not just in your head: Your potential future boss did not smile at you. And if she’s using intimidation techniques in an interview, she might wait a few beats after you answer a question before responding to what you’ve said.
      2.  
    2. 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.


    4. www.bkhelpnow.com


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    It's Time to Talk to Your Kids About Your Finances

    http://www.foxbusiness.com/personal-finance/2013/04/15/it-time-to-talk-to-your-kids-about-your-finances/

     
    by
    They say talk is cheap, and that holds true when parents only discuss money in terms of spending with kids.
    According to a new survey by T. Rowe Price, parents are talking to their kids about shopping, but are skipping conversations about household budgets, savings and financial goals. Close to 75% of survey respondents say they regularly have conversations with their kids about money, but the focus is on spending—not the family’s current financial situation.

  • 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.
    • http://lawyer93001.blogspot.com/
    www.bkhelpnow.com
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    Thursday, June 13, 2013

    13 Money Lies You Should Stop Telling Yourself By Age 40

    http://www.dailyfinance.com/2013/04/29/13-money-lies-you-should-stop-telling-yourself-by-age-40/ 


    Though most of today's workers have already accepted the fact that they'll work well past the age of 65, there's just something about that number -- 65 -- that still feels like an unofficial finish line. And by 40, the pressure really starts to hit home.

    Half of workers said they aren't prepared for retirement in a 2013 Employee Benefit Research Institute report. Less than 20 years ago, that figure was only 27%.
  • 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
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    Wednesday, June 12, 2013

    Why An Irrevocable Trust Can Be Superior to Gifting

     

    If you’ve heard of an irrevocable trust but don’t really understand them or what they are used for, you’re not alone. Most people have only heard one thing about these types of trusts: They’re set up by the rich as a way to give assets to their loved ones after they have passed.  However, only part of this popular belief is true.
    Irrevocable Trusts are designed to allow a person’s estate to continue to be useful long after they pass away.  These trusts aren’t only beneficial for the Kennedy’s or the Rockefeller’s. Ordinary citizens have the ability to greatly benefit from these trusts as well, and with a little research and work, you may be able to do it without paying thousands of dollars in legal fees. 



    Read more: http://www.foxbusiness.com/personal-finance/2013/04/29/why-irrevocable-trust-can-be-superior-to-gifting/#ixzz2S523AWK0
  • 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
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    Tuesday, June 11, 2013

    5 Biggest Retirement Questions Answered

    http://www.grandparents.com/money-and-work/retirement/retirement-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. 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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    Monday, June 10, 2013

    Apartment rents keep on rising in Los Angeles County

    http://www.latimes.com/business/money/la-fi-mo-la-apartment-rents-20130501,0,4811820.story

    Rents in Hollywood have climbed in the last 12 months. Above, the Avenue apartment complex in Hollywood. (Francine Orr / Los Angeles Times / May 1, 2013)
    Apartment vacancies plunged in Hollywood during the last 12 months and rents increased as the neighborhood continued to rebound from the recession. But vacancies were still more plentiful in the Santa Clarita Valley, where former renters bought low-priced homes.

    Rents rose across most of Los Angeles County during that time as both blue- and white-collar companies added jobs at a faster pace than the national average, a report said. And landlords are expected to continue raising apartment rents in the months ahead, especially in neighborhoods where empty apartments are scarce.


  • 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.

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    Sunday, June 9, 2013

    How to Protect Your Personal Finances From Business Risks

    http://www.entrepreneur.com/article/226544

     
    One of the most misunderstood concepts in the law, especially for small business owners, is how to protect personal wealth. Many business owners get taken advantage of with high-priced asset protection plans that don't provide the protection they promise. Others avoid the topic and buy more insurance, crossing their fingers that an expensive lawsuit or accident doesn't befall them.


  • 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

     
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    Saturday, June 8, 2013

    Part-timers to lose pay amid health act's new math


    http://www.latimes.com/business/la-fi-part-time-healthcare-20130502,0,3228617.story


    Some workers are having their hours cut so employers won't have to cover them under Obamacare. But many will benefit from the healthcare law's premium subsidies and Medicaid expansion.
  • 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.

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    Friday, June 7, 2013

    Will ‘Sell in May’ Come True This Year?

     
    It’s baseball season, so superstition is back in fashion in the stock market – not least, the old chestnut, “sell in May and go away!” And this little rhyme is not really like wearing the same socks to keep a win streak going; indeed, it’s all about knowing when to “fold” on the 2013 equity winning streak, take your cash and head to the beach. And there are even some statistics that bear out the claim that stock market returns in the May-September period do tend to run lower than over the remainder of the 12-month cycle commencing on May Day.
  • 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.

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    Thursday, June 6, 2013

    Why Your Credit Score Is So Bad


    A Credit.com reader named Roger recently took me to task for my blog post, How to Decode Your Credit Score, that focused only on high credit scores and neglected some of the common reason codes that accompany lower credit scores:
    What about reason codes: Serious delinquency and or public record or collection filed. Time since delinquency too short, or my favorite Number of delinquent accounts. OH Yeah, we are talking about how to decode your extremely high credit score…. I forgot.
    My apologies go out to Roger and others who have some negatives on their credit report, as the reason codes they receive are just as important and can be just as confusing as the codes that come with the higher scores.
  • 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.

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    Wednesday, June 5, 2013

    My Smartest Money Move: Taking More From My Retirement



    We’re taught to think of retirement savings as a source of last resort — money that we shouldn’t touch until all other resources have been used up. However, given the way the tax rules work in combination with the nature of Social Security benefits, it can often be in your best interest to use your retirement savings (IRAs, 401(k) accounts, and the like) to allow you to delay and maximize your Social Security benefits. Below is a version of a situation that I recently worked through with a client.
  • 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.

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    Tuesday, June 4, 2013

    How the American Dream Is Keeping Us Broke

    http://www.dailyfinance.com/2013/04/29/how-the-american-dream-is-keeping-us-broke/

     

     

    Our grandparents grew up in a time when you had to learn to be resourceful.

    Things were fixed and not replaced, women made their own clothes, and neighbors shared one phone. Things were purchased because they were necessary, not because they were simply wanted -- and guess what? No one would ever have dared to refer to your Nana as a cheap-ass.

    So where did we go wrong? Research from Ohio State University found that people in their late 20s and early 30s carry significantly higher credit card debt than older generations and pay it off much more slowly. Much of this can be attributed to the rising costs of education, but the bigger problem, in my opinion, is our generation's fear of looking cheap.
  • 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
     
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