5 Hidden Costs of a New Job

 

 

http://jobs.aol.com/articles/2014/09/08/new-job-hidden-costs/?cps=gravity

Furlough means I can't pay my student loan

http://money.cnn.com/2013/03/28/news/economy/federal-workers-student-loans/index.html?iid=A_E_News

mom to three kids, including Micah, 8, will have to delay paying off $10,000 in student loans if furloughs cut her pay by 20%.

WASHINGTON (CNNMoney)

Upcoming furloughs mean a 20% pay cut for thousands of federal workers -- and some tough budgeting choices. For many, student loan payments will be the first to go.

Laurie Vroman has already made her decision. She has three young children and makes $37,000 a year as a management assistant at an Army arsenal near Albany, N.Y.

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/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

 

Best Value Private Colleges And Universities: Princeton Review List 2013

http://www.huffingtonpost.com/2013/02/16/best-private-colleges-value_n_2680091.html?ir=Business

 

Five new institutions made the top 10 of the Princeton Review and USA Today's list of best value private colleges this year.
The Princeton Review and USA Today looked at data from 650 competitive U.S. colleges and universities, and selected 50 private and 50 public universities according to their performance in 30 areas, including academic excellence, financial aid and cost of attendance. The data used was taken from surveys conducted from the fall of 2010 through the fall of 2011, with all financial data collected in fall 2011. (For more information on methodology, see the Princeton Review.)

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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Entrepreneurship Is a Midlife Game (Opinion)

http://www.entrepreneur.com/article/225843

 

 

image credit: shutterstock.com

Who is more likely to be an entrepreneur: A 25-year-old guy or his 50-year-old dad? Everyone knows it’s the kid.
After all, middle-aged people have mortgages and families to support. They need a steady pay check. They can’t afford the uncertainty that comes from running your own business. Young people are the ones who can afford to fail and start over.
It’s a good theory. Too bad it isn’t true.
Contrary to popular opinion and the media’s fascination with young entrepreneurs, baby boomers are more likely to run their own businesses than 20-somethings.

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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Consumer Reports: Top Picks For Cash Back Cards. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/10/08/consumer-reports-top-picks-for-cash-back-cards-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

Posted on 10/08/2012 by Susan Salehi

http://www.savvysugar.com/Consumer-Reports-Best-Cash-Back-Credit-Cards-2012-25299162

The hunt for the perfect cash back credit card can be overwhelming. There are so many choices out there that it’s hard to pick the right one that fits your lifestyle. Consumer Reports has made the search easier by doing the research for us. It recently analyzed 53 credit cards to find the best ones to suit people’s needs. For those looking for a cash back credit card, these are the top picksbased on a family spending $400 a month on gas, $600 on groceries, and $1,000 elsewhere:

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.
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What motorists should know about California's auto lemon Law. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://www.latimes.com/business/autos/la-fi-five-lemon-20120930,0,2757139.story

 

California's lemon law applies to any problem that “substantially impairs the use, value or safety” of a car covered by a manufacturer’s new vehicle warranty, provided the problem is discovered within 18 months or 18,000 miles of purchase or lease. Above, cars for sale at a Toyota dealership in Richmond, Calif.

• California's lemon law is designed to protect consumers who discover a serious, unfixable flaw in a vehicle they've purchased or leased. Here are key things to know about the law, according to the state Department of Consumer Affairs: 
• 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.
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How to Erase a Debt That Isn’t There. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/10/01/how-to-erase-a-debt-that-isnt-there-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

“We are canceling the remaining amount you owe Chase!” says a letter that JPMorgan Chase sent recently to thousands of home loan borrowers. “You are approved for a full principal forgiveness of your Home Equity Account,” says another, from Bank of America.
Jackie Esposito, of Guilford, Conn., got a letter like that. But she wasn’t elated — because she doesn’t owe the money anymore. She and her husband filed for bankruptcy three years ago. The roughly $64,000 they owed Chase has been legally wiped out.
What’s going on?

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.
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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.
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HUD-certified counselors can help homeowners avoid foreclosure. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/27/hud-certified-counselors-can-help-homeowners-avoid-foreclosure-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

To avoid foreclosure, the Giordanos applied twice to their lender for refinancing under the government’s Making Home Affordable program. Twice they were turned down.

“We were not getting the right information from our bank,” said Joy Giordano, who had to close her advertising specialties business because of the economic downturn. “We did everything we were told to do. But each time, we were not approved because of this or not approved because of that.”

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.
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Work-at-Home Jobs that Really Pay. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/09/26/work-at-home-jobs-that-really-pay-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

If you don’t relish the thought of hustling to a workplace every day or you’re having a hard time securing a local gig, there’s never been a better time to work from home: More than 40 million Americans do it, according to the advocacy group Telework Coalition. And as the economy improves, more companies will be looking for additional staff. For most at-home jobs, you’ll need a computer and an Internet connection, some basic skills and a can-do attitude.

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.
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Bottom Fifth Of Americans Spent Double Their Incomes In 2011. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/09/26/bottom-fifth-of-americans-spent-double-their-incomes-in-2011-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

The United States’ lowest earners spent more than double their incomes last year, according to data released Tuesday by the Labor Department.

The bottom fifth of the U.S. income distribution — 24.4 million households — on average earned $10,074 in after-tax annual income and spent $22,001 last year, according to the Labor Department.
This percentage of households includes many retirees, who are presumably living off 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. 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.
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https://twitter.com/#!/lawyer93001
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FHA eases burdensome condo financing rules. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/26/fha-eases-burdensome-condo-financing-rules-

The controversial rules had caused thousands of buildings across the country to lose eligibility for FHA financing.WASHINGTON — Here’s some encouraging news for condominium unit owners, sellers and buyers: The biggest source of funding for low-down-payment condo mortgages, the Federal Housing Administration, has revamped controversial rules that caused thousands of buildings across the country to lose their eligibility for FHA financing.

The revised guidelines, which were issued Sept. 13 and took effect immediately, should make it easier for large numbers of homeowner associations to seek certification by the FHA. The certification process is intended to provide the FHA, a government-run mortgage insurance agency, with key information about a development’s legal, physical and financial status. Without approval of an entire development — regardless of whether it’s a small complex in the suburbs or a massive high-rise in the center city — no individual unit can be financed or refinanced with an FHA mortgage.

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

Credit score you see may not be the one the lender does.

http://bkhelpnow.com/wordpress/2012/09/25/credit-score-you-see-may-not-be-the-one-the-lender-does/

The credit scores that consumers buy from credit reporting agencies sometimes differ from the scores lenders see when deciding the terms of loans, potentially to the detriment of the consumer, a U.S. watchdog agency said on Tuesday.
About one in five consumers purchasing a credit score is likely to receive a substantially different score than a potential lender would see, according to the report from the Consumer Financial Protection Bureau.
That could lead those consumers to waste time applying for loans they cannot afford or to take out loans with worse terms than they could get if they saw the same score as the lender, the consumer agency 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. 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.
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Discover to refund $200 million to customers for deceptive telemarketing

http://money.cnn.com/2012/09/24/pf/discover-penalty-telemarketing/index.html?hpt=hp_t1

 

NEW YORK (CNNMoney) -- Discover Bank has agreed to refund $200 million to more than 3.5 million cardholders over claims of deceptive telemarketing.
The Consumer Financial Protection Bureau and the Federal Deposit Insurance Corporation announced the agreement Monday, following a joint investigation that found Discover's telemarketing and sales strategies misled consumers about additional products that can be bought when opening credit cards.

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.
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From Parents, a Living Inheritance. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

 http://bkhelpnow.com/wordpress/2012/09/23/from-parents-a-living-inheritance-susan-salehi-

For all of the conversation this week about Mitt Romney’s views on federal income taxes and personal responsibility, his insistence that “I have inherited nothing” may be the most thought-provoking.
Enlarge This Image
 

Bucks

George Lewis’s family started a fund nearly 50 years ago to help young relatives pay for their educations with interest-free loans.
His comment, which was among those he made in the video of a fund-raiser that Mother Jones magazine posted Monday, has inspired a few skeptical reactions, given his privileged background. But leaving the breadth of his advantages aside, the comment speaks to an often unspoken distinction among families that can determine who gets ahead, who gets along and who merely scrapes by.
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