Tuesday, April 30, 2013

Employers Dropping Insurance Coverage: A Decade Old Trend

 

 
 
http://www.foxbusiness.com/personal-finance/2013/04/12/employers-dropping-insurance-coverage-decade-old-trend/
 
Employees are increasingly losing employer-sponsored health-care plans, but they can’t blame the new health-care reform entirely for their lost coverage. New data show employers around the country have been dropping insurance coverage for their workers over the past decade in an effort to reduce their costs as health-care prices soar.
In the past ten years, employer-sponsored health insurance has fallen by about 10%, according to the Robert

  • 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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    Monday, April 29, 2013

    The Hassle of Being in Debt

    http://www.foxbusiness.com/personal-finance/2013/03/19/hassle-being-in-debt/

      
    by Holly Johnson

    A few months ago, I wrote about how we dug ourselves out of debt.Once we cut our expenses and stopped living beyond our means, it didn't take long to make significant progress against the tens of thousands of dollars we owed. And after a few years of struggle and sacrifice, we finally paid everything off. Once all of our consumer debts were gone, we turned our focus to our mortgage.
    Because we were young and dumb when we upgraded to our current home, we didn't put a lot of money down. Therefore, we were stuck paying private mortgage insurance. Big mistake. Unfortunately, there was no easy solution to our problem

  • 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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    Sunday, April 28, 2013

    Doubling Your Limits Doesn't Double Your Rates

    http://www.foxbusiness.com/personal-finance/2013/03/21/doubling-your-limits-doesnt-double-your-rates/ 

     
    by Penny Gusner


    Question: I just leased a vehicle and have to carry liability of 100/300/50.  I currently have limits of only 50/100/50, so I'm wondering if this change will make my policy premium go up by a lot of money.
    Answer: We won't kid you, You're getting more coverage, so you will pay more. But doubling your car insurance liability limits will not double your rates.
    How much will it cost?  We can't tell you an exact amount because your car insurance rates are determined using many different risk factors that include personal information we don't have.  The best way to get an accurate quote is to comparison shop here, or by calling an agent to run some numbers.

  • 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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    Saturday, April 27, 2013

    Six Questions to Ask at Tax Time

    http://www.foxbusiness.com/personal-finance/2013/03/22/6-questions-to-ask-at-tax-time/?Intcmp=taxes

    • ReutersAs April 15 approaches, many Americans are still scrambling to get their tax returns together. But while meeting the tax deadline is important, this is also a good time to be thinking about next year's taxes.
    As the 2012 tax season fades in the rear-view mirror, now is the time to make a meaningful difference to your 2013 taxes. Here are six tax-time questions to prompt you to explore the possibilities.

  • 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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    Friday, April 26, 2013

    Debt vs. Savings: Who Gets Paid First?

    http://www.foxbusiness.com/personal-finance/2013/03/20/debt-vs-savings-who-gets-paid-first/?intcmp=trending

     
     
    Dear Opening Credits,
    I've heard that you should always pay your debts down before saving anything. Is that true? For example, if you have a bunch of student loans, should you pay those off before starting a savings account?
    - Jane
    Dear Jane,
    Sure, from a basic math standpoint, it would make sense to pay off all debt before beginning a savings plan. After all, lenders add finance fees to an amount owed, so you're losing money when you hang on to balances. That's especially true considering how low interest rates are on savings and how high they can be on loans

  • 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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    Thursday, April 25, 2013

    Healthcare law could raise premiums 30% for some Californians

    http://www.latimes.com/business/la-fi-calif-health-rates-20130329,0,6971020.story


    Premiums for many middle-income residents who aren't covered by employer plans could go up an average of 30% next year, a report says. Lower-income consumers could save big.

  • 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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    Wednesday, April 24, 2013

    Don't Get Burned by Your Charitable Deductions


    http://www.dailyfinance.com/2013/03/27/charitable-deductions-income-tax-irs-donations/

    Americans are well-known for their generosity in times of tragedy. But if you aren't careful about making sure the charity you're giving to is legitimate -- or that you set up the donation properly -- you could end up wasting your money and losing the tax deduction the IRS gives for charitable donations

  • 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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    Tuesday, April 23, 2013

    Federal Subsidized Loan Rates May Double July 1

    http://www.foxbusiness.com/personal-finance/2013/03/29/congressional-action-student-loan-hike/ 

    Federal student loan rates are set to increase July 1 if Congress fails to act and students may be on the hook for up to $5,000 on new loans.
    Subsidized Stafford loan interest rates will nearly double increasing to 6.8% from 3.4% if Congress doesn’t pass legislation preventing the rate to go up, which would add up to $6 billion. The mid-summer hike would be untimely since it would hit new students heading into their freshman year. The hikes are only for subsidized loans, and will only impact those taking out new loans.
  • 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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    Monday, April 22, 2013

    1 in 4 Teens Plans to Rely Financially on Parents Until Age 27

    http://www.dailyfinance.com/2013/03/31/teens-financial-literacy-parents/

    April is Financial Literacy month, which is the personal finance industry's cue to ramp up its message that high school -- and the home -- is ground zero for the movement. After all, if we can teach teens to handle money responsibly, we can ensure that the next generation of adults won't make a mess of things. Right?
  • 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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    Sunday, April 21, 2013

    How to Avoid an IRS Audit

    http://www.foxbusiness.com/personal-finance/2013/03/29/how-to-avoid-irs-audit/

     
     
    Getting audited is every taxpayer’s nightmare, but rest assured: your chances of being singled out for an audit are slim.
    According to the IRS, approximately 1% of the tens of millions of taxes filed each year get audited. However, if the IRS finds holes in your tax returns, the repercussions can be wide ranging and financially devastating.
    While no one is immune from the magnifying glass, certain filers are more likely to attract the scrutiny from the IRS, including those making more than $1 million a year, self-employed individuals and those claiming certain tax deductions like the home office credit.
    The best strategy for small business owners to avoid an audit is to have a dedicated business credit card that can provide detailed reports to track spending and expenses.
    Here are additional strategies to avoid having your tax returns flagged for an audit:
  • 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

     

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