Bankruptcy Attorney Ventura Oxnard Camarillo Santa Barbara Bakersfield Woodland Hills Los Angeles CA

Susan J. Salehi Bankruptcy Attorney Ventura, Oxnard, Camarillo,Santa Barbara, Bakersfield, Woodland Hills, Los Angeles,CA .Represented 1000's of debtors in Chapter 7 and Chapter 13 Bankruptcy cases since 1992. Free Consultation. Chapter 7's can help you get rid of Credit Card debt, Medical Bills,and Start at only $999 Attorney Fees. Restrictions Apply.Stop Foreclosures with a Chap 13. Operators 24/7. (805)654-1467

Sunday, April 7, 2013

New Laws Take Guesswork Out of Investment Tax Liability

http://www.nytimes.com/2013/03/16/your-money/new-tax-laws-cover-cost-basis-of-investments.html?ref=your-money&_r=0

Until recently, the tax man rarely held you accountable for how much you profited — or lost — when you sold stocks or mutual funds.

Nico Willis, chief executive of NetWorth Services, said the new rules made paying taxes more complicated.

Instead, reporting those numbers on your tax return was generally based on the honor system: You reported how much you bought the stock for, and if you lost track or couldn’t remember, you made your best guess. The tax collectors didn’t have an automated way of checking your calculations.

Those days are over, at least in part. For the second consecutive tax season, a new law requires your investment brokerage firm to report to the I.R.S. the price you paid for certain taxable investments, known as your cost basis, a figure that also takes into account items like reinvested dividends, stock splits and company mergers.

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 6, 2013

An Owner Rethinks How He Spends His Marketing Dollars

http://boss.blogs.nytimes.com/2013/03/15/an-owner-rethinks-how-he-spends-his-marketing-dollars/

Generating revenue along with the buzz.

Back in January, Jeff Chinman, president of Broadway Kitchens and Baths, which remodels kitchens and bathrooms in Manhattan, Northern New Jersey, and Stamford, Conn., left a comment on this blog.
In the comment, he wrote that he was now on his third or fourth revamp of his Web site, that he had a Facebook page and was trying to figure out how to integrate Twitter and Facebook. He went on to ask whether he was really getting business in return for his efforts or whether he was just bothering his “little bubble of friends and acquaintances.” He said that his big question for 2013 was where he should invest his marketing dollars: Should he stick with radio and print or try harder with social media and Google AdWords?

Friday, April 5, 2013

Saving on Title Insurance

http://www.nytimes.com/2013/03/17/realestate/saving-money-on-title-insurance.html?_r=0&adxnnl=1&ref=economy&adxnnlx=1363538448-8I1EYTNMlCzU5xA+wl/MKA

Ostensibly, that premium (and sometimes assorted fees) reflects the cost of guaranteeing the borrower clear ownership of a property. Title agents search public records for tax liens and any other outstanding claims that need to be resolved, and then insure the borrower and the lender against claims that might have gone undetected.

Thursday, April 4, 2013

What Hospitals Charge the Uninsured

http://economix.blogs.nytimes.com/2013/03/15/what-hospitals-charge-the-uninsured/?ref=economy

Uwe E. Reinhardt is an economics professor at Princeton. He has some financial interests in the health care field.

Steven Brill’s exposé on hospital pricing in Time magazine predictably provoked from the American Hospital Association a statement seeking to correct the impression left by Mr. Brill that the United States hospital industry is hugely profitable.

Today’s Economist

Perspectives from expert contributors.

In this regard, the association can cite not only its own regularly published data, but also data from the independent and authoritative Medicare Payment Advisory Commission, or Medpac, established by Congress to advise it on paying the providers of health care for treating Medicare patients.

As shown by Chart 6-19 of Medpac’s report from June 2012, “Health Care Spending and the Medicare Program,” the average profit margin (defined as net profit divided by total revenue) for the hospital industry over all is not extraordinarily high, although for a largely nonprofit sector I would rate it more than adequate.

Medicare Payment Advisory Commission

But in each year there is a large variance about that year’s average shown in Chart 6-19, with about 25 to 30 percent of hospitals reportedly operating in the red and many others earning margins below the averages.

Wednesday, April 3, 2013

4 Things Young Entrepreneurs Need to Know About the JOBS Act

http://www.entrepreneur.com/article/226023

For many young entrepreneurs, landing startup funding is next to impossible. Banks won’t generally look at you unless you have two years of financials, and investors want to see serious traction before they’ll sign on. So what’s a young trep to do?
Enter, crowdfunding. Traditionally, donation based platforms like Kickstarter allow entrepreneurs to appeal to people at large for the capital necessary to start a project or product. In return, funders often receive tangible rewards like a T-shirt, product sample or VIP status.
That model is set to change, however. Last year, the Jumpstart Our Business Startups Act, or JOBS Act, became the law of the land. One of the most anticipated measures in the law gives entrepreneurs the ability to sell a financial stake in their companies to anyone, regardless of whether they’re accredited investors.

Tuesday, April 2, 2013

5 Tips for Digitizing Small Business Tax Receipts

http://www.smallbusinesscomputing.com/tipsforsmallbusiness/5-tips-for-digitizing-small-business-tax-receipts.html

Many small business owners

saddle themselves with boxes of paper receipts for fear that an auditor might disallow electronic records. In fact, the Internal Revenue Service has advocated accepted "electronic storage systems

" for business records and tax-related documents since 1997. As long as you follow all five of these guidelines, you should be able to shred your paper trail without fear.

5 Small Business Tax Tips

1. Collect all the information the IRS might want

According to the IRS, a valid electronic receipt must contain the name (and preferably the address) of your vendor, the date of the transaction, and the amount you paid. In your notes related to each receipt, you should catalog what you purchased and its use in your business

, in case an auditor asks for this information later.

2. Keep your receipt database current

IRS officials recommend entering receipts and notes into your system as soon as possible after you make a purchase. That way, you're not hard pressed to come up with business justifications if you've forgotten why you made a purchase, or if the staff member who authorized an expense has left your company

Monday, April 1, 2013

6 essential tips for first-time homebuyers

http://homes.yahoo.com/news/6-essential-tips-for-first-time-homebuyers.html

The typical American spends more time thinking about buying a car than buying a house. Even though the house they buy might wind up costing several times as much as the car.

Why is that? While buying a home has long been part of the American Dream, it’s a daunting task – especially for first-time homebuyers. Many would-be buyers, overwhelmed by the process and the current state of the market, give up and decide to rent.

It doesn’t have to be that way. The fact is, today’s housing market is a once-in-a-lifetime opportunity for first-time buyers. Interest rates are at near-record lows, homes are more affordable than they have been in years and there are plenty of homes for sale (with more on the way, thanks to the foreclosure crisis). Buyers are more likely to truly find the home of their dreams than they were in years past.

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