Which monthly bills affect your credit score? Most people don't know

 

http://finance.yahoo.com/news/monthly-bills-affect-credit-score-113035819.html

How to Get a Credit Card Late Payment Fee Waived

 

 

http://www.dailyfinance.com/2014/08/26/how-to-credit-card-late-fee-waived/

US Trustee

 

http://www.justice.gov/ust/

Need cash for university? How to budget and where to find free money

 

 

http://globalnews.ca/news/1487240/need-cash-for-university-how-to-budget-and-where-to-find-free-money/

The 10 Commandments of Saving Money

 

http://www.dailyfinance.com/2014/04/17/ten-commandments-saving-money/

 

Deducting Your Home Office, Made Simpler This Year

http://www.nytimes.com/2014/03/13/your-money/taxes/deducting-your-home-office-made-simpler-this-year.html?ref=your-money

 

 

If you work at a home-based business, you may want to consider a new, simpler option for taking a deduction for your home office on your federal income tax return this year.

The Internal Revenue Service announced last year a streamlined option for the home office deduction, effective for the 2014 filing season.

Consumers Not Powerless in the Face of Card Fraud

http://www.nytimes.com/2014/03/15/your-money/credit-and-debit-cards/consumers-not-powerless-in-the-face-of-card-fraud.html?ref=business&_r=0

  

When you think about the security of your credit and debit cards, consider the facts on the ground.

Industry representatives readily admit that thieves are often one step ahead of them and that data breaches are a fact of life

Susan Salehi Bankruptcy Videos

 

 

How This Olympian Dug Himself Out of $220,000 of Debt

 

http://www.mainstreet.com/article/moneyinvesting/credit/debt/how-olympian-dug-himself-out-220000-debt

  as appearing on TheStreet

 

NEW YORK (MainStreet) — As his race times improved, Jayson Jones was invited to run in more races, some of them bringing him abroad to Europe. The sprinter began amassing a larger portfolio as his winnings rose but was quickly spending more than he was earning.
Part of the problem was that Jones, whose talent would later enable him to run representing Belize in the 200-meter for the 2000 Olympic Games in Sydney and the 2008 Olympic Games in Beijing, received his winnings from European races solely in cash.

Will the Government Now Monitor Your Credit Card Data?

 as appearing on TheStreet

http://www.mainstreet.com/article/moneyinvesting/credit/debt/will-government-now-monitor-your-credit-card-data

  

 

NEW YORK (LowCards.com) — The Consumer Financial Protection Bureau is thinking of taking a new approach to "financial protection" by monitoring 80% of all credit card transactions in the United States. This would be done through a controversial data mining program that would evaluate up to 42 billion transactions in a single year.

Sneaky Late Fees: Avoiding the Discredit

http://www.mainstreet.com/article/moneyinvesting/credit/debt/sneaky-late-fees-avoiding-discredit

 

  NEW YORK (MainStreet) — How well do you know the fine print on your credit card's late fees? What do you think the impact on your credit score is? How can you avoid the late fees trap?
The average number of credit cards per U.S. household is six. In comparison, the figure for Canada is two. Speaking in purely mathematical terms, Americans are three times as likely to have a problem with late fees on their credit card as their neighbors up north! What can we do to even the odds?

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.

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 

 

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.

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 

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.

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 

 

4 Tax-Break Savings You Should Know About When Starting a Family. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/10/08/4-tax-break-savings-you-should-know-about-when-starting-a-family-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

I’m expecting my first child in just a matter of weeks, and while I’m basking in the midst of baby showers and nursery color schemes, there are some much more serious issues that we will need to tackle as we move beyond her birth. Of course there’s health insurance for her, life insurance for us, and a will, but a little planning now will also help us afford things like child care and college. Fortunately, Uncle Sam has put a few programs in place that allow parents to save for these major expenditures . . . and provide a nice tax break to boot!
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
https://plus.google.com/107475889096576192557
www.bkhelpnow.com
www.bkhelpnow.com/wordpress
https://twitter.com/#!/lawyer93001
http://paper.li/lawyer93001/1340474350
http://bankruptcyattorneyventuraoxnard.blogspot.com

When pro athletes go ‘Broke’. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/10/04/when-pro-athletes-go-broke-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

Posted on 10/04/2012 by Susan Salehi

Miami filmmaker Billy Corben’s new documentary on bankrupt players premieres Tuesday on ESPN

As a purveyor of documentaries about Miami’s cocaine-smuggling trade, illegal backyard fighting rings and ganja-peddling religious cults, filmmaker Billy Corben is all too familiar with characters who live hard and crash harder.
Add to Corben’s resume “Broke,” a documentary on the too-common trend of professional athletes going financially bust. It premieres at 8 p.m. Tuesday on ESPN as the second season opener for the network’s “30 for 30″ series.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
https://plus.google.com/107475889096576192557
www.bkhelpnow.com
www.bkhelpnow.com/wordpress
https://twitter.com/#!/lawyer93001
http://paper.li/lawyer93001/1340474350
http://bankruptcyattorneyventuraoxnard.blogspot.com

Credit-Card Blunders That Could Hurt Any Small Business. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/10/01/7-credit-card-blunders-that-could-hurt-any-small-business-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

Making it as a small-business owner is tough. The oft-repeated survival statistics: Only about a third of startups survive to celebrate their 10th anniversary, according to U.S. Census Bureau and Labor Department data, and only a quarter last until their 15th.
There are many ways to increase your company’s survival odds, but one of the easiest is to control your use of credit-card debt. Too often, entrepreneurs don’t make the best use of their accounts and end up hurting their businesses. Here are seven of the most common credit-card slipups to avoid.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
www.bkhelpnow.com/wordpress
https://twitter.com/#!/lawyer93001
http://paper.li/lawyer93001/1340474350
http://bankruptcyattorneyventuraoxnard.blogspot.com

When Having a Financial Adviser Makes Sense. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/10/01/when-having-a-financial-adviser-makes-sense-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

When it comes to planning for retirement, the biggest concern confronting many investors is uncertainty.

From overall market volatility, to worries about the ability of central banks to help a struggling global economy, to concerns about the impact of the U.S. presidential election on potential tax laws, investors are increasingly confused about the direction they should take in their investment decisions.
Yet that is when having a financial adviser may make the most sense.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
www.bkhelpnow.com
www.bkhelpnow.com/wordpress
https://twitter.com/#!/lawyer93001
http://paper.li/lawyer93001/1340474350
http://bankruptcyattorneyventuraoxnard.blogspot.com