Just thinking about money can corrupt you

 

http://money.cnn.com/2013/06/17/pf/money-corrupt/index.html

  When money is on your mind, you may be more likely to act unethically.

NEW YORK (CNNMoney)

Simply thinking about money can trigger people to lie, steal and make unethical decisions, new research shows.

People who have just seen images of money or phrases about money are more likely to do something unethical like steal paper from their office because they ran out of paper at home. They're more apt to hire a candidate who says he will share confidential insider information about his former company. And if it means winning money, they're more likely to lie to get it.

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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Keeping debts secret from spouse is ill advised

 

http://www.latimes.com/business/la-fi-montalk-20130616,0,5427780.column

 

Dear Liz: I have three credit cards that are in my name only, plus a small loan at my credit union. My husband did not sign for any of these, nor does he know the extent of my debt, which is about $10,000. If I should die before I can get them paid off, will he be responsible for my debt?

Answer: Your debts become an obligation of your estate when you die. That means creditors will be paid out of the assets you leave behind. The extent to which creditors can make a claim on jointly owned assets — such as, say, your home — varies by state. In a community property state such as California, debts are generally considered owed by both people in a marriage, so a jointly owned home would be fair game. In other states, creditors could go after assets co-owned by your husband if the debts were incurred to benefit you both.

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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Put on Your Detective Cap to Learn More About Your Potential Employer

http://www.savvysugar.com/How-Research-Company-23243414

Doing research on a company is one of the first steps to tailoring your job application and prepping for an interview. One of the more common ways people learn about the company is by googling it and seeing what kind of articles pop up in their search. Another way is to read the company's "FAQ" or "About Us" section. But if you rely on those sources alone, you will be only scraping the surface of the company. You'll also be reading the same things other competing job candidates will be reading. To get a leg up on your competitors, check out these little known sources:

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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High-Paying Careers For People With Notoriously Low-Paying Degrees

http://www.savvysugar.com/Highest-Paying-Jobs-From-Different-Majors-30727908

College graduates these days face an average debt of $25,000 and a shaky job market. It may seem like a finance or medical degree is the only good option in this scenario, but we're a little more optimistic. Even if you have a degree in one of PayScale's lowest-paying college majors, it is possible to find a career that pays surprisingly well. In most cases, these aren't careers that happen over night, and many will require years of experience and working your way up through the ranks. The point is that a low-starting salary alone shouldn't deter you from pursuing a certain degree or career path –– it's what you do with it that counts.
Note: Each job listed requires a bachelor’s degree. Salaries noted are mid-career estimates.

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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The Pros and Cons of Paying Cash For a House

http://www.savvysugar.com/Paying-Cash-Home-30786786

My husband said that when we do buy a house, he wants to just buy it with cash so we can own it outright and in our way say "screw you" to the banks. I like that idea, but just like any financial decision, there are pros and cons to doing this.
Pros
No Credit History Needed
A long time ago I read a story of a guy who avoided credit cards and loans like the plague so he did not have a credit history, but he had considerable savings. When he wanted to buy a house no one would give him a loan, so he bought a house outright with his savings. In situations where you do not have the ability to get a reasonable loan, then paying cash might be the best option.
RELATED: Building a Credit History
Risk Free 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.

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Stay-at-Home Dads Talk Breadwinner Wives, Leaving the Workforce

http://www.savvysugar.com/Stay--Home-Dads-Talk-Breadwinner-Wives-30779083

With so many interpretations of the "modern family," the stay-at-home dad is becoming a more talked-about role. In fact, statistics show that house husbands are gradually on the rise. According to the census, 32 percent of married fathers in 2011 were primary caregivers of their kids. That's up from 26 percent in 2002.
The topic of house husbands surfaced again in the media when results of a recent Pew study revealed that 40 percent of households with children under 18 have mothers who are the sole or primary income provider for the family.

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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Change jobs, get poor 401(k) help

 

http://money.cnn.com/2013/06/01/retirement/401k-rollover.moneymag/index.html

The 401(k) provider at your next workplace may not give you the best advice on rollovers, judging from a recent report by the Government Accountability Office.

New hires are often steered toward moving their old 401(k) into an IRA at the company managing their new employer's plan, the GAO found, and are given information that is inaccurate, vague, or confusing.

When a GAO researcher posed as a job-changer seeking help with his 401(k), 12 out of 30 401(k) call center representatives raised doubts about his ability to roll money from his old 401(k) into a new plan. And inefficient or complex procedures make it much harder to roll an old 401(k) into a new one than it is to move the money into an IRA.

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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5 Celebrity Money Mistakes

http://finance.yahoo.com/news/5-celebrity-money-mistakes-143646749.html

 

There’s never a dull moment when you’re a celebrity. Headlines are quick to point out their imperfections, including some of their financial mishaps. Here’s a look at five famous financial faux pas and the lessons learned.

Excessive Spending

Sir Elton John sang the financial blues in 2002 while filing for bankruptcy. With debt once soaring to the tune of $2 million per month, he has admittedly battled with “excessive” spending, including blowing an obsessive $400,000 a month on flower arrangements. This proves it doesn’t matter how much money you make, it’s how you manage it that counts.

5 Signs You May Be Broke in 10 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.

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Sites to Help You Save Big on Medical Bills

http://www.foxbusiness.com/personal-finance/2013/06/07/7-sites-to-help-save-big-on-medical-bills/?intcmp=trending

 

 Need a CBC blood test? You might pay $16 at one New York lab – or $117 at another. How about an echocardiogram with Doppler? It may run you $250, or over $2000, depending on where you go.
One of the biggest frustrations about our current healthcare system is that there is little transparency. Insurance is partly to blame, since insured patients usually just focus on their deductibles and co-pays. But millions of consumers remain uninsured or have high deductibles, and even consumers with good health insurance may wind up paying hefty out-of-pocket medical bills. Consumers with good insurance may also find lower prescription drug prices by shopping around and paying cash.

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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How to Budget Without Regular Paychecks

http://www.savvysugar.com/How-Save-Without-Regular-Income-30712230

 

 tly. Successful budgeting tends to depend on two things: careful planning and a steady income.

The first, anyone can do. The second isn’t so simple.
If you’re self-employed, you might be asking yourself: “But I don’t have a regular paycheck coming in. Can I even set up a budget? Should I bother?”
You can. And, yes, you should.

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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Retired, with Roommate: Seniors Share the Rent

http://www.foxbusiness.com/personal-finance/2013/06/05/retired-with-roommate-seniors-share-rent/?intcmp=trending

Some seniors have nice homes, but not a lot of ready cash. Others are renters, and not particularly comfortable with that regular money drain. And there are a few of us still living with the kids to get over a bad patch, without intending to make the arrangement permanent; they’ve got their lives to live, after all. Most of us left the idea of roommates behind when we left college – but now it has its attractions.
Rewards – and risks
For a homeowner, a roommate can help with finances in a couple of ways: the arrangement can provide extra income, and it can allow you to “barter” for services that you would have to pay for otherwise.  Services like a ride to the doctor now and then, and having someone to help with the shopping or the yard work. In effect, the roommate option lets seniors monetize what is probably their biggest asset – their home – without more drastic solutions involving a reverse mortgage or a home-equity line of credit.

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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8 Tips for Choosing a Nursing Home

http://www.foxbusiness.com/personal-finance/2013/05/15/eight-tips-for-choosing-nursing-home/?intcmp=trending 

It’s not easy deciding which nursing home (or assisted-care facility) would best suit an aging loved one. Unfortunately, often times the person in question is no help at all. Many of us have been forced to undergo this difficult transition, however, and are willing to share their insights about weathering the process. Also, for those who find choosing a nursing home too daunting, there are professional services that can help, such as Aidin, Assisted Transition, SilverLiving, and HealthAdvocate.

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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Grey Charges” Can Hit Seniors Hard

http://www.foxbusiness.com/personal-finance/2013/05/15/grey-charges-can-hit-seniors-hard/?intcmp=trending

 

When’s the last time you checked your credit-card statements? Not just a quick glance to see how the total got so high, but scrutinizing even the small charges to see if any of them sound suspicious? Those small entries are where the danger lurks, you know. Like zombie memberships that you canceled once, but mysteriously come back to life, patiently extracting an unnoticeable amount from your credit card every few months. Or trivial costs that creep up slowly from $5.99 to $6.99 to $7.99 and so on, taking advantage of the long time between billing cycles, knowing that your attention is likely to wander.

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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This Housing Upturn Looks Like the Real Thing

http://business.time.com/2013/05/15/why-this-housing-upturn-looks-like-the-real-thing/

 

 

 Ever since the recovery began in 2009, a weak housing market has held back the U.S. economy. The first rebound in home prices was lackluster and after only a year was followed by another dip. But the recent upturn in home prices looks like the real thing. One clear sign of a turning point: In March, homeownership hit a 17-year low, while the 12-month gain in home prices was the biggest in seven years. Those two extremes suggest that the market has hit bottom. The people who are least well financed have been squeezed out, while demand is growing among people who can afford to pay higher home prices. If that trend continues – and there are good reasons to believe it will – a substantial burden will be lifted from the U.S. economy.

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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How to Factor in Health Costs into Your Retirement Planning

http://www.foxbusiness.com/personal-finance/2013/05/16/how-to-factor-in-health-costs-into-your-retirement-planning/

 

by Casey Dowd

Boomers planning on relying on just Medicare to cover their health-care costs in retirement better think again.  
With health care costs rising two to three times faster than inflation over the last few decades, baby boomers in retirement are facing unplanned medical costs that are eating up their nest eggs.
Fidelity Investments, which has been tracking retiree health care costs for over a decade, estimates that a 65 year old couple retiring this year will need $240,000 to cover future medical costs. While Medicare can help cover some costs, it won’t cover deductibles and copayments, prescriptions and premiums for supplemental coverage.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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3 Money Moves Every College Student Should Make Before Graduation

http://www.foxbusiness.com/personal-finance/2013/05/08/3-money-moves-every-college-student-should-make-before-graduation/

 

 

Seniors on the cusp of entering the “real world” might be focused on their last final exams, getting resumes sent out and finding a place to live, but they shouldn’t overlook prepping their finances.
Life after college brings on new expenses and financial challenges, but students can soften the blow on their banks accounts by taking action before graduation.
Along with relocation expenses for a potential job, recent grads must prepare to take on new expenses previously covered by student loans, housing and meal plans and tackle any outstanding debt they’ve taken on, says Andy Josuweit, CEO of Student Loan Hero.
According to data from public policy organization Demos, two out of three students graduate with an average of more than $24,000 in student loans, and the most common kinds of increased debt for Gen Y (age 18-34) are student loans at 42%, credit card debt at 35% and medical bills at 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.

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Things to Consider Before Buying Disability Insurance

http://www.entrepreneur.com/article/226687

 

15

183

Business owners buy insurance to protect many things: health, life, liability, vehicle, and inventory are just a few. But what happens if you become sick or are unable to work for a long period of time?
Disability insurance replaces income lost due to injury from a catastrophic accident or illness beyond 90 days. It generally replaces 60 percent of the policyholder's income from the previous year, up until retirement age (normally around 65 years-old). Chris Peck, CEO of Stamford, Conn.-based CBP, an insurance brokerage firm that works with small and medium- sized businesses, says that disability insurance is usually not on a business owner's radar, but it should be.

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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http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

http://www.youtube.com/watch?v=PMJSiWP2Pzw

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http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms 

Free Online Service Matches Small Businesses With Lenders

 

 

http://www.entrepreneur.com/article/226132

 

 

When the economy tanked around 2008, enrollment in Olya Losina's fledgling art school began to wane. Marketing the San Diego-based Losina Art Center to a new crop of students required cash the painter and her husband/business partner, Bill Beatty, didn't have. So in late 2011 they created a profile on Lendio, a free online service that matches small businesses with lenders. Within minutes, they had a customized list of half a dozen potential lenders offering the five-figure, short-term financing they were seeking. Within days, they received the cash they needed.

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 

Car? House? Sorry: Graduates of 2013 Are Each $35,200 in Debt

 

http://business.time.com/2013/05/17/car-house-sorry-graduates-of-2013-are-each-35200-in-debt/

 

The typical college graduate will leave campus this month owing nearly as much money as they stand to earn in their first year of full-time employment, new research shows.
At a personal level, graduates toting up their private and government student loans, credit card balances, and personal debt will find the sum shocking. On average, they owe $35,200 and half say they are surprised by how much debt they have accumulated, according to a Fidelity Investments Cost-Conscious College Graduates Study.
At a broader level, this debt has far-reaching implications for the economy as young people with starting pay of $44,455 spend much of it servicing debt—not buying cars and homes or beginning to save for retirement or emergencies.

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