Read more: http://business.time.com/2013/04/30/forget-lowballing-bidding-wars-return-in-hot-housing-markets/#ixzz2S958K36w
Friday, May 31, 2013
Forget Lowballing: Bidding Wars Return in Hot Housing Markets
Are buyers being manipulated into overbidding for the relatively few
attractive homes on the market?
Earlier this year, the National Association of Realtors (NAR) announced that
the number of homes for sale in the U.S. had reached a low not seen since 1999.
More homes have hit the market since then, but Lawrence Yun, NAR’s chief
economist, said in March that in many areas around the nation, the
inventory of homes for sale is unlikely to keep up with the number of interested
buyers.
Read more: http://business.time.com/2013/04/30/forget-lowballing-bidding-wars-return-in-hot-housing-markets/#ixzz2S958K36w
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://business.time.com/2013/04/30/forget-lowballing-bidding-wars-return-in-hot-housing-markets/#ixzz2S958K36w
Thursday, May 30, 2013
Here's the form to apply for Obamacare coverage
http://money.cnn.com/2013/05/01/news/economy/obamacare-application/index.html?iid=H_E_News
NEW YORK (CNNMoney)
Starting in October, Americans without access to affordable health care
coverage through their jobs will be able to shop for insurance for themselves
and their families through state-run exchanges.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
Wednesday, May 29, 2013
10 Steps to Spring Clean Your Finances By Martha C. WhiteApril 29, 20131 Comme
When it comes to spring cleaning, you probably haul the junk out of your garage, scrub your fridge, and wash the rugs and drapes. But don’t forget about your personal finances. Just after tax season is the perfect time to perform an annual evaluation and tidying up of your budget, bank accounts, debts, and investments.
Read more: http://business.time.com/2013/04/29/10-steps-to-spring-clean-your-finances/#ixzz2S95fM1Mv
Tuesday, May 28, 2013
When Your Credit Score Assumes You're Guilty
A Credit.com reader recently shared his nightmare of a story with us in which a collection account for an unknown debt was placed on his credit report multiple times, creating a Whac-A-Mole situation by forcing him to dispute each item repeatedly while new collections for the same debt continued to pop up. He wrote:
http://finance.yahoo.com/news/credit-score-assumes-youre-guilty-110002573.html
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://finance.yahoo.com/news/credit-score-assumes-youre-guilty-110002573.html
Monday, May 27, 2013
Where Small Businesses Are Finding Money (Infographic)
Access to
capital is one of the most important factors in successfully starting or growing your business,
but finding enough money may be a problem for many small-business owners.
According to a 2012 survey from the National Small Business Association (NSBA),
47 percent of small businesses were unable to find a lender in the previous four
years.
Sunday, May 26, 2013
Bracing for Obamacare, Some Businesses Try PEOs
ESCO Communications, an Indianapolis-based audio/visual equipment installer,
has provided health insurance
for its 100 employees for more than
40 years, but when CEO Chip Roth was faced with 40 percent price hike on the
company's plan last year, he realized he needed to make a change. The cost
increase--coupled with expected complexities of the Affordable Care Act, often
referred to as Obamacare--led Roth to
WorkSmart Systems, a local professional employer organization that pools health
benefits for the employees of 200 small companies
Read more: http://www.entrepreneur.com/article/226492#ixzz2S9GaNZGQ
Saturday, May 25, 2013
Savings Kung fu: How to Strengthen Your Financial Discipline
http://www.foxbusiness.com/personal-finance/2013/04/23/savings-kung-fu-how-to-strengthen-your-financial-discipline/
Fortunately, you can strengthen your saving skills with the right training program, building discipline like monks on their way to Shaolin mastery. Discipline with money is a lot like martial arts, actually. It's hard at first, but the benefits can last.
Friday, May 24, 2013
Ailing Long-Term Care Insurers Share Their Pain
http://www.cnbc.com/id/100669104
Don't look now, but the long-term care insurance business is hurting - badly.
And that could make it more difficult, or more expensive, for you to get a
policy.
What went wrong?
Long-term care policies have only been offered on a large scale since the 1980s, meaning insurers are just now seeing clear claims patterns emerge. From their perspective, it's an ugly picture: more people than expected are holding onto their policies until they can file a claim, and years of rock bottom interest rates have kept insurers from earning a decent return on policies whose benefits increase three to five percent a year.
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
What went wrong?
Long-term care policies have only been offered on a large scale since the 1980s, meaning insurers are just now seeing clear claims patterns emerge. From their perspective, it's an ugly picture: more people than expected are holding onto their policies until they can file a claim, and years of rock bottom interest rates have kept insurers from earning a decent return on policies whose benefits increase three to five percent a year.
Thursday, May 23, 2013
Here Come the Floods. How to Be Sure You're Covered
http://www.cnbc.com/id/100678404
Joe Kozlowski looks out on his flooded property from his
porch in Fox Lake, Illinois.
The spring floods are here and the summer hurricanes are not that far away.
Flooding is the most common natural disaster in the United States, according to the Federal Emergency Management Agency (FEMA).
The standard homeowner's insurance policy does not cover flood damage. You need to buy a separate policy from the National Flood Insurance Program or a private company
Flooding is the most common natural disaster in the United States, according to the Federal Emergency Management Agency (FEMA).
The standard homeowner's insurance policy does not cover flood damage. You need to buy a separate policy from the National Flood Insurance Program or a private company
Wednesday, May 22, 2013
Ailing Long-Term Care Insurers Share Their Pain
http://www.cnbc.com/id/100669104
Don't look now, but the long-term care insurance business is hurting - badly. And that could make it more difficult, or more expensive, for you to get a policy.
What went wrong?
Long-term care policies have only been offered on a large scale since the 1980s, meaning insurers are just now seeing clear claims patterns emerge. From their perspective, it's an ugly picture: more people than expected are holding onto their policies until they can file a claim, and years of rock bottom interest rates have kept insurers from earning a decent return on policies whose benefits increase three to five percent a year.
Long-term care policies have only been offered on a large scale since the 1980s, meaning insurers are just now seeing clear claims patterns emerge. From their perspective, it's an ugly picture: more people than expected are holding onto their policies until they can file a claim, and years of rock bottom interest rates have kept insurers from earning a decent return on policies whose benefits increase three to five percent a year.
Tuesday, May 21, 2013
Credit Card Rewards: Don't Let Good Points Go Bad
http://www.dailyfinance.com/2013/04/24/credit-card-rewards-points-best-techniques/
Most people have points,
but few people know how to use them.
That's according to a new study by
rewards points consultant Brian Kelly, whose blog thepointsguy.com helps people find and make
the most of the right rewards programs for them.
Kelly's study found that
nearly 73 percent of Americans enrolled in either credit card rewards programs
or frequent traveler programs don't know how many points they have.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
Monday, May 20, 2013
The Financial Rules of Cohabitation
http://www.foxbusiness.com/personal-finance/2013/04/25/financial-rules-cohabitation/
While experts say couples living together should have the same discussions about living arrangements as married couples, they advise unmarried individuals co-habiting take extra financial protections.
Before moving in together, couples should determine if they have shared lifestyles, calculate a budget and agree on who pays from what expenses, says Anna Behnam, an advisor for Ameriprise Financial. Leave emotion out of the decision-making process. “Have a black and white discussion for how you’re going to manage your assets and expenses.”
Sunday, May 19, 2013
Boomers in Transition - How to Craft Your Retirement Plan
http://www.foxbusiness.com/personal-finance/2013/04/25/boomers-in-transition-how-to-craft-your-retirement-plan/
Despite Wall Street’s recent rally, boomers aren’t ready to jump back into equities to fully fund their retirement. According to the Allianz Life 2013 Transition Boomers and Retirement Income Survey, boomers nearing retirement said they are looking for more a guaranteed return than what Wall Street has to offer.
Saturday, May 18, 2013
Can't Sell Your Home? Try Swapping It
http://www.foxbusiness.com/personal-finance/2013/04/24/cant-sell-your-home-try-swapping-it/
In response, a crop of websites emerged that let homeowners trade properties, and even now that the real estate market is on the mend, the sites are still attracting sellers.
Friday, May 17, 2013
Best and Worst Jobs of 2013: Annual Report by CareerCast
http://www.latinospost.com/articles/17476/20130425/best-worst-jobs-2013-annual-report-careercast.htm
Internet career finder and resource site CareerCast.com has released its
annual report of the best and worst careers in today's market.
The 2013 Jobs Rated report considered four core job categories that publisher Tony Lee told ABCNews.com are basic every job: environment, income, outlook, and stress.
"We have a wide range of criteria we look at when we do the rankings," Lee said.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. 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
The 2013 Jobs Rated report considered four core job categories that publisher Tony Lee told ABCNews.com are basic every job: environment, income, outlook, and stress.
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Us on Facebook
But the study also evaluated the emotional factors, income potential and
unemployment rates within specific job areas"We have a wide range of criteria we look at when we do the rankings," Lee said.
Thursday, May 16, 2013
Working with cancer: A brave new professional world
http://management.fortune.cnn.com/2013/04/25/cancer-career-working/?iid=SF_F_River
By Vickie Elmer
FORTUNE – Not long ago, the word "cancer" was off-limits, among friends, at home, and certainly at the office. Whether it was out of superstition, fear, confusion, or respect, most talk about the disease was done in hushed tones.
Today, as the survival rate climbs, the decisions people make after diagnosis -- both personal and professional -- have evolved significantly. Suddenly, for many (but not all), the question is not, "How do I leave work for good?" Instead, it's "How long do I take off?" or "Do I have to take off at all?"
Wednesday, May 15, 2013
New home sales: Poised to double?
http://finance.fortune.cnn.com/2013/04/25/new-home-sales/?iid=SF_F_River
More good news for the housing market.
By Joshua Steiner, Hedgeye
FORTUNE -- The chart above shows the ratio of new home
sales to total sales historically back to 1999. Currently, new home sales are
running at 7.8% of total sales. From 1999 to 2005, new home sales averaged a
fairly consistent 16% of total sales. The low watermark was 5.5% in May
2010.The trend in new home sales as a share of total is encouraging, rising steadily since year-end 2010. If new home sales return to their 1999-2005 average of 16% of total sales, this would imply ~800k new home sales, or roughly double the current 417,000 run rate.
Tuesday, May 14, 2013
To Politics and Religion, Add a Taboo on Credit Card Debt
http://www.cnbc.com/id/100673650
Forget politics and religion. When it comes to talking with people we've just
met, a new study finds that the most uncomfortable topic of discussion is how
much we owe in credit card debt.
About 85 percent of people surveyed on behalf of CreditCards.com said they'd
be somewhat or very unlikely to discuss credit card debt with some onethey'd just met.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
Monday, May 13, 2013
You're Rich! 5 Strategies for Staying That Way
http://www.dailyfinance.com/2013/04/25/how-to-stay-rich-financial-strategies/
Most people believe that striking it rich will instantly solve all their financial problems forever. Yet as rich people know all too well, it can be just as hard to hang onto your wealth as it was to earn it in the first place.
There are countless stories of lottery winners, high-paid professional athletes, and celebrities showing that the trip from rags to riches often proves to be a round-trip back to rags.
Sunday, May 12, 2013
How a Single Mom of Three Scrapes by on a $40,000 Salary
http://www.dailyfinance.com/on/single-mother-personal-finance-making-ends-meet
Mike Dang of personal finance blog The Billfold sat down with an anonymous mother trying to pull off this feat, and the interview is a startling look at the compromises some Americans are forced to make on limited salaries. The subject of the piece works at a nonprofit that pays her around $40,000 a year, and she gets an additional $1,500 a month in child support payments from the children's father. It's barely enough to get by.
Saturday, May 11, 2013
Ways to Maximize Your Social Security Benefit
http://www.cnbc.com/id/100669411
Most Americans don't understand all the ways that Social Security can benefit
them, and no wonder — Social Security is an enormous, complex system that covers
retirement, disability and death, with rules that are under-explained and
confusing.
As a result, many recipients find out how to maximize their benefits only after beginning to receive them – when it is too late to change their elections.
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
As a result, many recipients find out how to maximize their benefits only after beginning to receive them – when it is too late to change their elections.
Friday, May 10, 2013
How to Amend a Tax Return
http://www.dailyfinance.com/2013/04/18/1040x-form-how-to-amend-tax-return/
by
Q: When I was doing my 2012 tax return this year, I realized that I could have claimed the child-care credit for my son's summer camp expenses in 2011, but I didn't know I qualified then. Is it too late to get the money?
A: It's not too late. You have up to three years after the due date of your return to file an amended return and claim the credit. The child-care credit is a frequently overlooked tax break for people who have kids under age 13 and pay for child care so they can work or look for work.
Wednesday, May 8, 2013
7 Worst Mistakes You Can Make on Your Tax Return
http://www.grandparents.com/money-and-work/saving-and-investing/tax-return-help
Taxes are tricky. Avoid these little slip-ups that can cost
you big.
By Cari Wira
There’s no doubt about it: Taxes are tricky. And making a mistake can cost
you big—in penalties, paying more than you need to, or by raising a red flag and
prompting the IRS to audit you.
“Mistakes on your tax return often come from simply being confused,” says Jackie Perlman, principal tax research analyst with The Tax Institute at H&R Block. But there is help available. Through their Tax Counseling for the Elderly (TCE) program — "elderly" sounds alarmingly old, but it means age 60 and older in this case — the IRS offers free tax help with volunteers who specialize in questions about pensions and retirement issues unique to seniors. And if you earn $50,000 or less you might qualify for free tax return preparation through the IRS’s Volunteer Income Tax Assistance program (VITA).
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
“Mistakes on your tax return often come from simply being confused,” says Jackie Perlman, principal tax research analyst with The Tax Institute at H&R Block. But there is help available. Through their Tax Counseling for the Elderly (TCE) program — "elderly" sounds alarmingly old, but it means age 60 and older in this case — the IRS offers free tax help with volunteers who specialize in questions about pensions and retirement issues unique to seniors. And if you earn $50,000 or less you might qualify for free tax return preparation through the IRS’s Volunteer Income Tax Assistance program (VITA).
Tuesday, May 7, 2013
Considering Part-Time Hires Under Obamacare?
Monday, May 6, 2013
Obama's Proposed Student Loan Debt Remedy Carries a Hidden Trap
http://www.dailyfinance.com/on/obama-student-loan-debt-remedy-interest-rate-trap/
by
America's student
loan debt problem is nothing new: For years, the media has been offering up
a flood of stories about people facing decades of debt repayment and crushing interest rates. But with tuitions still rising and
employment options for college grads still stagnating, America's potential
"student loan bubble" is making many experts increasingly jittery. President
Obama's recent budget proposal includes a new plan to tackle the problem, but
some critics worry that it could leave students in even worse
shape.
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://lawyer93001.blogspot.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
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
Sunday, May 5, 2013
Identify and Eliminate Hidden Fees From Your Bills
http://www.dailyfinance.com/2013/04/17/did-you-know-hidden-fees-in-bills-savings-experiment/
http://lawyer93001.blogspot.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
http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation
http://www.youtube.com/watch?v=PMJSiWP2Pzw
http://www.youtube.com/watch?v=hLzM0Hi6q10
http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
Saturday, May 4, 2013
More bad news for student loan borrowers
http://finance.fortune.cnn.com/2013/04/22/student-loan-debt-borrowing/
Young, educated workers were once seen by banks as the most promising
borrowers. That's no longer the case, thanks to student loan debt.
FORTUNE – Graduation season is upon us. It used to be that
in the years after hopeful twentysomethings bid farewell to campus life, they'd
start borrowing to buy many things typically associated with adulthood --
namely, a car and a home. Many had college loans to repay, but that's partly
what made brainy go-getters so attractive to banks and lenders. They typically
earn more over a lifetime, so they seemed like a safe bet.
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
Friday, May 3, 2013
5 Personal Finance Tips for Cash-Strapped Entrepreneurs
http://www.entrepreneur.com/article/226274
Going all-in is sometimes the only way to go. But as an entrepreneur, when
the majority of your net worth and compensation are wrapped up in the success of
your business, your personal
finances can suffer.
At 26, Brian Fox, founder and chief marketing officer of Confirmation.com, a
Brentwood, Tenn.-based online auditing company, found himself in that position.
In 2001, Fox was a newly minted MBA from Vanderbilt University, the proud owner
of a struggling startup -- and the not-so-proud owner of $92,000 in student loan
debt. At one point, Fox recalls taking his Honda Accord to a CarMax for an
estimate just in case he needed to sell it to pay his employees' health
insurance costs. Luckily, a $25,000 nick-of-time check from an investor spared
the car.
Thursday, May 2, 2013
Obama's Budget: What's In It for Entrepreneurs
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