Sunday, March 31, 2013

Long-Term Care Insurance Should Be Part of Your Financial Plan

http://www.dailyfinance.com/2013/03/12/long-term-care-insurance-should-be-part-of-your-financial-plan/

In the world of insurance products, long-term care insurance is a relative newcomer. It was introduced in the late 1970s, but in recent years, it has become a much more important element of retirement planning thanks to twin rises in health care costs and longevity. (Life expectancy in 1930 was just 59.7; in 2010 life expectancy for Americans was 78.7.)

Many people associate long-term care insurance with nursing homes, but it also pays for in-home care and assisted living facilities. According to the American Association for Long-Term Care Insurance, 50 percent of long-term care insurance benefits in 2011 went to pay for in-home care, 31 percent for nursing home care, and 19 percent for an assisted living facility.

How Long-Term Care Insurance Works

Each long-term care insurance policy is slightly different, but most benefits kick in based on a similar definition of "disability": either you have severe cognitive impairment or you need help with at least two daily living activities. These activities include bathing, dressing, eating or using the bathroom.

In other words, you don't just automatically receive the benefits when you think you could use some help or when you move into a retirement community. Policies are typically purchased with fixed daily benefits for a fixed period of time such as three years or five years.
  • 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, March 30, 2013

    Our expert (finally) reveals his personal retirement strategy

    http://money.cnn.com/2013/03/28/pf/expert/retirement-planning.moneymag/index.html

    Walter Updegrave, who has spent 26 years at Money magazine, has written more than 1,000 Ask the Expert columns.
    NEW YORK (Money Magazine)

    I've gotten lots of valuable help from your column over the years, but have always wondered about your personal retirement strategy. Have you been faithful to your own advice? -- Jim K., Madison, Wis.

    I haven't said much about my own finances in the more than 1,000 Ask the Expert columns I've written over the past 13 years. Everyone's situation is different, so I wouldn't want people to assume they should follow a particular strategy or invest in a certain way just because "The Expert" has done so.
  • 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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  • 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, March 29, 2013

    Why paying off your mortgage slowly can be a good thing

    http://homes.yahoo.com/news/pay-down-mortgage-slowly-024029874.html

    The benefits of paying your mortgage off quickly are well documented, but what about the benefits of taking your time?


    Congrats! You've signed the paperwork, dotted the i's, crossed the t's, and purchased a home. You're also now the proud owner of a 30-year mortgage that's burning a big hole in your pocketbook. Better start throwing money at the mortgage to pay it off as quickly as possible, right?
    Maybe not, says Paula Pant, founder of money management website AffordAnything.com.
    In fact, "putting your money to its highest and best use might involve making only your minimum mortgage payment so you can invest the rest in higher-yielding opportunities," she says.
    Read on to learn more about this, and other reasons why you might want to put the brakes on paying off that mortgage too fast.

    You could see a better ROI by investing your money elsewhere

    Before you decide to put all of your cash flow .
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    Thursday, March 28, 2013

    Employers Caught Off Guard by 'Unfair' Health-Care Fee

    http://www.dailyfinance.com/2013/03/15/employers-caught-off-guard-by-unfair-health-care-fee/

     
    Employers are bracing for big fees next year for insuring their employees. The fee, equal to $63 for each worker, is a little-noticed requirement of the Patient Protection and Affordable Care Act that became law in 2010. The fee goes to create a $25 billion fund for insurance companies to offset the cost of covering patients with high medical bills.

    As The Wall Street Journal reports, the fee will hit most large employers, and they're fighting back. The requirement unfair, they say, because it subsidizes individually purchased plans that won't cover their workers.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    Wednesday, March 27, 2013

    10 Things Medicare Won’t Tell You


    1. “We’re in the cross hairs like never before.”
    The Centers for Medicare & Medicaid Services, or CMS, the federal agency that administers Medicare and other health programs, got smacked with cuts early this month as lawmakers failed to avert the sequester, $1.2 trillion in spending cuts designed to help trim the country’s budget deficit. Hospitals and doctors face 2% cuts in the amounts that Medicare reimburses them for services rendered to recipients—cuts of $10.7 billion this year and $118.8 billion over nine years, according to a report by consulting firm Tripp Umbach.
    While patients themselves won’t see any direct reduction in their benefits, experts say the ripple effects of the sequester could indeed hit older Americans. Doctors and hospitals had warned that their industries would have to slash more than 200,000 jobs this year alone if the sequester went through.
  • 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, March 26, 2013

    Homeowners fall behind on HOA dues, get little help from board

    http://www.latimes.com/business/realestate/la-fi-associations-20130317,0,3432151.story

    A couple who are behind on their payments have received warnings about fees and penalties. How to resolve and avoid foreclosure?

    Question: My husband and I lost our jobs and have enough challenges staying current with our monthly mortgage payments, but we're three months behind in our homeowner association dues. We've already received one notice from the board stating we must stay current or be subject to fees and a lien being placed on our house.

    I want to know if there is anything we can do to ensure we're not unreasonably fined or penalized, or are subject to other things that the HOA board may impose against us, like a lien or foreclosure. The board seems unwilling to meet with us. It is as if they're just biding their time before taking our home. What do we do?
    Answer: There are two types of foreclosure typically used in common interest developments with homeowner associations, judicial and nonjudicial.
  • 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, March 25, 2013

    5 Ways to Avoid Outliving Your Retirement Savings

    One of the biggest challenges of retirement is making sure your money will last the rest of your life--however long that might be. You can only estimate how many years you will live, and you have to manage your finances so your savings will last for that unknown number of years. Here are some ways to make sure you will have money coming in, no matter how long you live:
    Social Security. Social Security is your first line of defense against outliving your savings because these payments will continue for the rest of your life and are adjusted for inflation each year. Anyone who qualifies for Social Security will never completely run out of money, but could have to cut their standard of living to survive on their Social Security payment if they exhaust all other sources of income. Since this is the only guaranteed source of income most retirees have, it's a good idea to try to increase the amount you will get. Common strategies for boosting your Social Security payments include making sure you have at least 35 years of covered earnings, claiming spousal payments, and delaying claiming up until age 70. "Get your [online] Social Security statement from the Social Security Administration and then go through that information and use it to decide when to claim Social Security," advises Troy Von Haefen, a certified financial planner for Von Haefen Financial Management in Nashville.
  • 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, March 24, 2013

    California Assembly moves to speed business filings

    http://www.latimes.com/business/money/la-fi-mo-california-assembly-moves-to-speed-business-filings-20130318,0,7649553.story?track=rss

     

    Assembly Speaker John A. Perez pushed legislation to speed up processing of business legal filings. (Rich Pedroncelli / Associated Press / January 28, 2013)


    SACRAMENTO -- The state Assembly is expected to vote swiftly Monday to add $2 million to the secretary of state's budget to speed up the processing of business paperwork.
    The office relies on a system of paper and not computerized filings for corporate, partnership and other business records that an entrepreneur must submit before hiring workers, opening doors or selling products.
    The $2-million appropriation, which must be approved also by the state Senate, would allow Secretary of State Debra Bowen to increase the pace of her operations for the rest of the current fiscal year, which ends June 30.
    The goal is get all documents processed within five days of being received in Sacramento.
    Assembly Speaker John A. Perez has scheduled an afternoon news conference with leaders of major business associations to hail the passage of the emergency appropriation to cut into an estimated 122,000-document backlog.
  • 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, March 23, 2013

    Put Medi-Cal expansion on the front burner

    Put Medi-Cal expansion on the front burner

    Gov. Brown should embrace state lawmakers' efforts to maximize participation in the program.

      

    The state is expected to expand Medi-Cal eligibility to childless adults and more families near the poverty line. (Gary Friedman / Los Angeles Times / October 10, 2006)




    The 2010 healthcare reform law has three interlocking goals: to expand insurance coverage, improve the quality of care and slow the rise of healthcare spending. The first goal is the costliest, requiring federal and state governments to extend public and private insurance plans to millions of people who can't afford to pay the full price. Yet bringing them under the insurance umbrella is crucial to improving the quality, efficiency and cost-effectiveness of their care.
    The law tries to expand coverage in part by having states sign up more impoverished legal residents for Medicaid, the federal-state healthcare program for the poor. California legislators are now debating competing visions for how to do that in Medi-Cal, the state's Medicaid program: an expansive approach promoted by Assembly Speaker John A. Perez and Sen. Ed Hernandez (D-West Covina), and a far more cautious one advanced by the Brown administration.
  • 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, March 22, 2013

    Which Retirement Fund is Best for Spare Bucks?

    http://www.foxbusiness.com/personal-finance/2013/03/12/which-retirement-fund-is-best-for-spare-bucks/?intcmp=trending

     
    Dear Dr. Don,
    I am 52 years old and have $155,000 in my 401(k) and another $25,000 in a Roth individual retirement account. I am four years away from paying off my house. And in three months, I will have paid off two consumer loans. That means I'll have an extra $1,000 every month to invest. Do you think it would be better to put the bulk of that each month into my Roth IRA or my 401(k)? Or possibly, I could split the money between the two accounts. I've basically paid off all the interest in my house. I am not sure it would be wise to put any of the extra money in.
  • 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, March 21, 2013

    3 Simple Ways to Increase Your Retirement Income

    http://www.dailyfinance.com/2013/03/09/increase-retirement-income-tips-social-security-/

     A soon-to-be-released report from the Deloitte Center for Financial Services reveals the nation's dire state of retirement readiness -- and, on top of that, how deflated so many people feel about the prospects of their future getting better:
    • Although saving for retirement is a top priority, 58 percent of those surveyed said they don't actually have a retirement plan.
    • One in five say they will rely entirely on Social Security to provide their retirement income.
    • Nearly 40 percent believe that no matter what they do with their money, they won't be able to generate the income they want when they retire.
    Yet despite people's grim outlook for their retirement prospects, few trust financial professionals to help them, instead preferring to handle their money on their own.
  • 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, March 20, 2013

    What Kind of Homebuyer are You? Find Out

    http://www.foxbusiness.com/personal-finance/2013/03/13/what-kind-homebuyer-are-find-out/

     
    You picked your neighborhood, know your price range and are ready to start shopping for a new home. But before you start your hunt, it’s important to identify what kind of buyer you to avoid wasting time.
    For many home buyers, school district, neighborhood and affordability dominate the decision-making process, but knowing your “buyer personality” will help define and focus your search.
    For instance, if you want a move-in-ready home but never convey that to your realtor, you can waste time looking at fixer uppers. Or if you care about the environment, you may want to see only green homes, which could require a more specialized agent.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    Tuesday, March 19, 2013

    Better Business Bureau expels Los Angeles area chapter

    http://www.latimes.com/business/la-fi-0313-bbb-expelled-20130313,0,222935.story

    BBB of the Southland was accused of demanding that businesses pay membership fees for good ratings. It launches a group called the Business Consumer Alliance.
    • For generations, Americans turned to the Better Business Bureau to find out if the local grocer was cheating customers or if the neighborhood dry cleaner was mishandling clothes.
    But this week the 101-year-old consumer watchdog turned its sights on one of its own — ousting the Los Angeles chapter that grades local businesses. BBB of the Southland was expelled after years of internal strife and a slew of audits by the Council of Better Business Bureaus.
    The chapter, which was the organization's largest and covered Los Angeles, San Bernardino, Orange and Riverside counties, was accused of demanding that businesses pay membership fees in exchange for good ratings. It even reportedly issued an A-minus rating for a fake business named after Hamas, considered a terrorist group by the U.S. government.
    It's the latest problem facing the Arlington, Va.-based Better Business Bureau, which has struggled to stay relevant as consumers turn to Internet sites such as Yelp and Angie's List.
    "They have a spotty past and this is just one more situation that's going to lead people to believe there's problems there," said Scott Hauge, president of the advocacy group Small Business Ca
  • 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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    lifornia.
     

    Student Tax Deduction Form Glitch May Delay Returns for Some

    http://www.foxbusiness.com/personal-finance/2013/03/13/student-tax-deduction-form-glitch-may-delay-returns-for-some/?intcmp=trending


    Some taxpayers that used H&R Block to file their taxes this year may also be receiving their returns later that anticipated if they used a student tax credit deduction form.
    The Internal Revenue Service is reporting that up to 600,000 tax returns filed by H&R Block may be delayed for up to six weeks due to an issue with the form that allows people to take the student tax credit deduction. On Form 8863, filers can receive up to 100% of the first $2,000 of qualifying expenses and 25% of expenses higher than that amount.
    The IRS revised the form earlier this year to require taxpayers to enter an “n” for lines 23-26 to confirm qualifications for eligibility. In the past, it was acceptable to simply leave these fields blank. Those who did not enter “n” will see delays, H&R Block says. Only those who filed between Feb. 14 and Feb. 22 are impacted.
  • 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, March 18, 2013

    The Danger of Discounts and How to Avoid Them

     
    Warren Buffett once famously said, “Price is what you pay. Value is what you get.”
    Though the billionaire investor was referring to stocks, the statement is telling for young entrepreneurs too. For those who must, say, guide a sales staff, it’s important to instill in them the value of your product, rather than focusing on its price.
    Otherwise, when price is the only factor, rampant discounting can occur. That’s, of course, a dilemma that should be avoided. Here are some common excuses for discounting and ways to counter them:
  • 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://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, March 17, 2013

    How to Raise Your Prices Without Playing the Blame Game

     
    I am constantly looking for ways to raise the prices on my products and services so that I can improve the margins. As you continue to expand your company and improve your services, you'll one day face the challenge of raising your prices.
    Almost every day you experience higher prices at the grocery store, gas pump and a range of other places. From time to time, the government requires you to increase employee wages. Why are you the only one not raising your prices? You may say, "My business is so competitive, and it's all price driven." Most companies make that claim. Your competition may be unwilling to ask for a higher price, but it doesn't mean you should be.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

    http://www.youtube.com/watch?v=PMJSiWP2Pzw

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Saturday, March 16, 2013

    Online Platform Connects Entrepreneurs with Local Lendershttp://www.entrepreneur.com/article/225478

    Candace Klein knows firsthand how hard it is to raise startup funds. When she needed capital for her first business, Bad Girl Ventures, a microfinance organization for Cincinnati women-owned businesses, she tapped several relatives--a move that led to a few "very uncomfortable Thanksgivings."
    That experience inspired SoMoLend, her online platform that plays matchmaker between businesses and investors, often in the same geographic neighborhood. Since the beta site launched in May 2012, SoMoLend has facilitated some 100 small-business loans totaling nearly $3.5 million. Loans range from $500 to $1 million, with interest rates ranging from 3 to 22 percent and terms spanning six weeks to five years, depending on a business's needs and creditworthiness. SoMoLend also charges a 4 percent transaction fee on funds borrowed.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

    http://www.youtube.com/watch?v=PMJSiWP2Pzw

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
     

    Friday, March 15, 2013

    How To Launch Your Business


    Looking for a way to launch your business with the minimum investment possible? Then consider setting up shop in a home office rather than a commercial space.
    Working from home makes a lot of sense when you're launching a business and have limited startup funds.
    In addition to saving beaucoup bucks on operating expenses like rent and utilities, you'll save on commuting costs and wardrobe expenses. You may even be able to take a tax deduction equal to the percentage of your home that's used as Business Central.
  • 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://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

    Thursday, March 14, 2013

    Why Stretching the Budget Is Worth It

    Your friend who dabbles in WordPress gave you a screaming deal on your website design. And your niece--a junior in college who loves Facebook--will run your company's social media accounts. Fantastic.
    Give me a shout in a few months. I'd love to hear about their work. My guess? You won't have time to talk. You'll be too busy hiring a professional designer to fix your website and doing brand-rep damage control because your niece tweeted from the wrong account during an all-night frat party.
    Yes, it's tempting to take the cheap route. It's scented with top notes of bottom-line-enhancing pheromones that promise to add curves to your balance sheet in all the right ways.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

    http://www.youtube.com/watch?v=PMJSiWP2Pzw

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Wednesday, March 13, 2013

    How Unwary Grandparents Can Wreck Your College Financial Aid

    http://www.dailyfinance.com/2013/03/07/college-financial-aid-529-plan-mistakes-grandparents/

     Thanks to the ever-rising cost of a college education and the stagnation of middle class incomes, fewer and fewer cash-strapped parents are able to shoulder the burden of college costs all by themselves. Often, that's where generous relatives come in.

    Last month, the AARP teamed up with financial-services company TIAA-CREF to provide information about college savings plans, also known as 529 plans, to AARP members. As TIAA-CREF CEO Roger Ferguson Jr. said in a press release, when it comes to college savings, "getting the entire family involved -- parents, grandparents and children -- reinforces the importance of setting and achieving savings goals."
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

    http://www.youtube.com/watch?v=PMJSiWP2Pzw

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Tuesday, March 12, 2013

    Is Budgeting the Best Way to Save? Seven Personal Finance Myths

    http://www.dailyfinance.com/2013/03/06/is-budgeting-the-best-way-to-save-seven-personal-finance-myths/

    Think you're financially savvy? When it comes to their personal finances, people carry around notions all their lives that may or may not be valid. For example, you've heard that money can't buy you love, but can it buy happiness? Most people believe that it can't -- but science may prove them wrong.

    Here are seven personal finance myths that happen to be everyday beliefs about the way we consider and handle money. Many of these myths fool even the smartest of savers. The latest research will help you discern the facts and see through the smoke.
  • 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://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

    SBA Lending Marches On Post-Sequester, But Anxieties Linger


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    526

     
    UPDATE: The Small Business Lending and Investment Summit was postponed due to an expected snowstorm in the D.C. region, and it's rescheduled date is still pending.
    The Small Business Administration isn't expecting to slow down its pace of guaranteeing loans in the wake of the sequester, says outgoing SBA-chief Karen Mills. While the agency's loan-guarantee fund expects to lose $16.68 million, the SBA has never reached its cap, despite recent record-lending years.
    Meanwhile, a handful of uncertainties confront the SBA, including the potential revival of a popular commercial-real-estate-refinance program and a potential resolution to the sequester fighting, which make it difficult to predict where SBA lending will be a year from now.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    Monday, March 11, 2013

    U.S. gets 19th place in retirement security rankings

    http://money.cnn.com/2013/03/08/retirement/retirement-security/index.html?iid=H_PF_News

     Retirees in the United States are worse off than those living in Norway, Israel, Slovenia and more than a dozen other countries.
    The U.S. ranks 19th in overall retirement security worldwide, according to an index compiled by Natixis Global Asset Management, a Paris-based asset management firm.
    Rank Country
    1 Norway
    2 Switzerland
    3 Luxembourg
    4 Sweden
    5 Austria
    6 Finland
    7 Netherlands
    8 Denmark
    9 Germany
    10 France
    11 Australia
    12 Israel
    13 Canada
    14 Belgium
    15 Japan
    16 Slovenia
    17 Czech Republic
    18 Slovak Republic
    19 United States
    20 United Kingdom
    21 Italy
    22 New Zealand
    23 Iceland
    24 Cyprus
    25 Spain
    The index was calculated using 20 indicators in four major categories, health; material well-being, quality of life and finances.
  • 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://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Saving on Your Tax Bill: 3 Things You Might Not Have Considered


     



    Before you start planning for 2013, you still have 2012 taxes to worry about. Take these three steps to keep your bill as low as possible.

    Enjoy Returning Favorites

    The tax deal brought back dozens of expired credits and deductions, making them retroactive to 2012.

    You'll again be able to deduct state sales taxes instead of income taxes -- a good move if you live in an income-tax-free state.

    Homeowners can enjoy a 10% credit, up to a max of $500 over your lifetime, for energy-efficient upgrades, such as insulation.

  • 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://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