Monday, September 30, 2013

Looking for a Bank Loan? Don't Forget About the Little Guys

 

Trying to get a business loan from a bank? Don’t skip over the little guys in your quest for capital.
Loans at smaller banks grew at a 6 percent annualized rate in the second quarter of 2013, according to a recent report on the lending activity of banks in the U.S. That’s three times the annualized growth rate recorded for the nation’s 25 largest banks, which stood at 2 percent, according to the report by New York-based financial-services firm Keefe, Bruyette and Woods. Loans are measured by dollar volume rather than the number of loans made.


Read more: http://www.entrepreneur.com/article/227614#ixzz2bEEjGgYd

Saturday, September 28, 2013

5 Questions You Should Ask Before Accepting a Job

 

Question 1: How does my position and department fit into the overall organization and what are my future opportunities within the company?
Delve into the fine details of a position, including advancement opportunities, before signing an offer, says LinkedIn career expert Nicole Williams.
“Make sure you have a good picture of what the levels ahead of you look like as well,” says Williams. “Are they mostly glorified titles? Would they require a lot of management or travel?”
Read more: http://www.foxbusiness.com/personal-finance/2013/08/06/5-questions-should-ask-before-accepting-job/#ixzz2bEGwo8JI

Wednesday, September 25, 2013

7 Simple Numbers That Can Grow Your Business

 
  • 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

    One of my main business mantras is "Know Your Numbers," and because numbers are the language of business, it is numbers that will ultimately determine your success.
    Business is literally a numbers game, but what numbers should you know?


    Read more: http://www.entrepreneur.com/article/227616#ixzz2bEE7ESwY

    Tuesday, September 24, 2013

    4 Kinds of Fraud That Could Destroy Your Business

     

    http://www.entrepreneur.com/article/227689
     
      
     Get two entrepreneurs in a room and chances are one, if not both, have been the victim of accounting fraud. According to the Association of Certified Fraud Examiners annual report, nearly half of all small businesses experience fraud at some point in their business lifecycle. It will cost these organizations an average of $114,000 per occurrence. Worse, such fraud is usually committed by a "loyal" employee.

  • 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

    Saturday, September 21, 2013

    Why Your College Student Should Start a Business

    Have you seen the cost of tuition lately? This hit home for me personally as my oldest child is heading off to college this fall. While the options vary on how to pay for tuition, it is certainly a challenge when a college degree can be equivalent to the cost of a new home.
    You may have heard of the proverb, "Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime." We have the perfect opportunity to implement this powerful concept in helping our children pay for their own college, rather than flipping for the bill ourselves.
    There is a huge opportunity to involve your children in a business to help pay for the cost of college, as well as teach entrepreneurship and responsibility. In my practice over the years, I have helped many clients start businesses with their children.

    Monday, September 16, 2013

    Questions to Ask Before Taking Out a Home Equity Loan

     

    Borrowing money against a home isn’t as simple as applying for a new credit card. Not only do homeowners have to understand the differences between a home equity loan and line of credit, they must also calculate the costs that come with taking equity out of what’s probably their biggest asset.
    “It’s incredibly important before you take on any form of credit--including a home equity line of credit—that you assess your overall assets and credit picture,” says Adam Nash


    Read more: http://www.foxbusiness.com/personal-finance/2013/07/17/questions-to-ask-before-taking-out-home-equity-loan/#ixzz2Zuk9Rton

    Saturday, September 14, 2013

    A Little-Known Way to Reduce Your Mortgage Payment

     
  • 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

    For consumers purchasing or refinancing a home with less than 20% equity or 20% down, there’s a little-known fee that will apply to the total mortgage payment, effectively inflating the monthly outlay.
    Mortgage insurance is paid by the the homeowner to insure the lender against future mortgage payment default. Mortgage insurance, also dubbed as PMI (an acronym for private mortgage insurance), can easily be several hundred dollars per month depending on the loan program. This added premium makes the cost of homeownership more expensive. However, there is a way to cut your mortgage payment using single-pay mortgage insurance


    Read more: http://www.foxbusiness.com/personal-finance/2013/07/18/little-known-way-to-reduce-your-mortgage-payment/#ixzz2ZujKoSvX

    Thursday, September 12, 2013

    Retirement Statistics: Then vs. Now

     

    Retirement statistics: Then vs. now
    How long will $1 million last in retirement?
    Is this truly the worst time to retire? Bankrate took a look at some key factors to determine what today's new retirees are up against. What follows are some key statistics that don't bode well for the boomer who's planning to retire today.
    Timing is everything. A typical portfolio (60% stocks, 40% bonds) enjoyed great success in the 1980s. A retiree could have withdrawn 4% a year and still watched the investment grow, thanks to a confluence of strong yields, bull market returns and low inflation. That wasn't the case in other years. A similar portfolio from which funds were withdrawn beginning in 1960 and 1970 each would have run out of cash before 30 years elapsed, due to high inflation. In 2013, low starting yields are expected to shorten the life span of a $1 million portfolio to 25 years. Some investors wonder, is the golden age of retirement gone?


    Read more: http://www.foxbusiness.com/personal-finance/2013/07/22/retirement-statistics-then-vs-now/#ixzz2ZuiFgtKI

    Monday, September 9, 2013

    Why Summer Home Buying is So Hot

     

    June 21 marked the first day of summer. But to Realtors, only one season matters: home-buying season, which occurs annually from March to September.
    Seasonality presents important implications for buyers and sellers, and is naturally most pronounced in markets with seasonal change. But other factors like the school year and expiring leases have a lot to do with home-buying season as well


    Read more: http://library.hsh.com/articles/first-time-homebuyers/seasons-home-buying.html?WT.qs_osrc=fxb-172200310#ixzz2Zuib0ag4
  • 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

     

    Friday, September 6, 2013

    The Condo Insurance Every Unit Owner Needs

    Dear Insurance Adviser,

    I own a condominium, and I am finding it very hard to get clear answers about the amount and kind of insurance I need. The confusion comes in interpreting the condo documents and the master condo insurance policy for the complex. It's hard to tell exactly what's already covered. No one, not even the insurance company that writes our master policy, can give me a clear answer that I can feel comfortable with.
    Can you help?
    -Pat


    Read more: http://www.foxbusiness.com/personal-finance/2013/07/22/condo-insurance-every-unit-owner-needs/#ixzz2Zui3zywx

    Thursday, September 5, 2013

    Congress Nears Deal on Student Loan Rates. Spoiler Alert: They’re Going Up

     

    In a moment of rare bipartisan collaboration, the Senate hammered out an agreement last week to keep rates on some new student loans from doubling, and it’s expected that a final version will be signed into law before the new academic year starts. It’s welcome progress, but here’s the rub: The compromise pretty much guarantees that rates will go up in the future


    Read more: http://business.time.com/2013/07/22/congress-nears-deal-on-student-loan-rates-spoiler-alert-theyre-going-up/#ixzz2ZuXIpGhr

    Wednesday, September 4, 2013

    How Boomers Can Maximize Their Social Security Benefits

    I receive more questions about Social Security than any other topic I cover. Part of the reason is simply demographics: more members of the large baby boom generation are hitting the age when they become eligible for benefits. The other factor is gender-related: compared to previous generations, a higher percentage of baby boomer women have college degrees and were paid substantially more than any time in American history.

    In my opinion, the most significant impact boomers have had on American society- especially from an economic perspective- is the two-career marriage. And now, many more women are approaching retirement with Social Security benefits that are equal to or higher than those earned by their husbands.
    Boosting Your Joint Benefit


    Read more: http://www.foxbusiness.com/personal-finance/2013/07/23/how-boomers-can-maximize-your-social-security-benefits/#ixzz2ZuiOvYZ4

  • 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, September 1, 2013

    4 Simple Ways to Trim the High Price of Parenthood

     

     
     
    A recent article on the TODAY show's website reports that young adults' finances are in such dire shape that a significant number of them are delaying "the huge economic plunge of having children."

    The data back this up: The birth rate in 2011 for women aged 20 to 24 was "a record low," according to the CDC.