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

Getting by on $58,000 a year isn't easy, but it's manageable. Doing it as a single mother of three is a near-Herculean task.

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.

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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Ways to Maximize Your Social Security Benefit

http://www.cnbc.com/id/100669411

Blank U.S. Treasury checks are run through a printer at the U.S. Treasury printing facility in Philadelphia, Pennsylvania.

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.

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How to Amend a Tax Return

http://www.dailyfinance.com/2013/04/18/1040x-form-how-to-amend-tax-return/

 by Kiplinger

By Kimberly Lankford

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.

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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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.

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Considering Part-Time Hires Under Obamacare?

http://www.entrepreneur.com/article/226428

Starting in 2014, some small companies will have to provide health insurance for their employees, or face some stiff consequences under the new health reform law, commonly known as “Obamacare.” Specifically, any company with 50 or more full-time workers that does not provide health benefits could face fines of between $2,000 and $3,000 per employee for all but 30 of its full-timers. Even part-timers who work 30-hour-a-week jobs are counted toward that final tally of 50.

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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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 Bruce Watson

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.

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Identify and Eliminate Hidden Fees From Your Bills

http://www.dailyfinance.com/2013/04/17/did-you-know-hidden-fees-in-bills-savings-experiment/

Attention, savers. Here's a case where what you don't know can hurt you. Many companies will attempt to charge extra fees on your monthly bills, hoping to squeeze extra money out of you. Here's how to become a super sleuth and ensure that you're only paying what you owe.

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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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.

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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.

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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Obama's Budget: What's In It for Entrepreneurs

 

 

http://www.entrepreneur.com/article/226355

 

BY Catherine Clifford |

 

From raising the minimum wage to cutting paperwork on government-backed loans, the new White House budget includes a number of proposals likely to be of interest to small-business owners.

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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