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, July 7, 2013

Seniors in 48 states face serious income shortage

http://money.cnn.com/2013/06/10/retirement/retirement-income/index.html?iid=SF_PF_Lead

Seniors in almost every state in the country are falling short when it comes to affording their golden years, according to a study released Monday.

Nationwide, seniors are living off of a median household income of $35,107, roughly 57% of the median income of their younger counterparts ages 45 to 64, according to an analysis of 2011 U.S. Census Bureau data by Interest.com, a financial information website owned by Bankrate.com.

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, July 6, 2013

How College Grads Can Improve Money Management Skills

They might have an undergraduate degree under their belts, but recent graduates are entering the real world lacking sufficient knowledge and education when it comes to money management.
According to a recent report by Finra’s Investor Education Foundation

, 19% of Americans still spend more than they earn and 56% said they do not have "rainy day" funds that cover three months of expenses. What’s more, the report cites that a lack of financial education — mostly among younger workers in certain states — is the main reason many Americans have little in savings.

Friday, July 5, 2013

How to Create a Personal Health Record

As the health-care industry continues to evolve, patients are getting more involved in their care, with many using personal health records to help track their illness and treatment history to help better their care.
“Right now health care is siloed with all these doctors not talking to each other,” says Julie Wolter, interim director, Program in Health Sciences, Doisy College of Health Sciences at Saint Louis University and an AHIMA member. “The only common link between all health care professionals is the patient.”

Thursday, July 4, 2013

Fix costly credit report errors

http://money.cnn.com/2013/06/01/pf/credit-report.moneymag/index.html?iid=SF_PF_LN

You may be doing everything right: keeping your card balances well below their limits, always paying bills on time, and watching how often you apply for new loans. Yet you might have a lower credit rating than you deserve.

A recent study by the Federal Trade Commission found that one in 20 consumers could have a meaningful error in a credit report.

These are mistakes that, when fixed, could cause at least a 25-point increase in your score, enough to qualify you for a lower interest rate. "For something so important, this rate of error is too high," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.

Wednesday, July 3, 2013

6 Ways to Improve Your Credit Score Now

http://www.savvysugar.com/How-Improve-Credit-Score-30727361

Improving your credit score does require some patience and perseverance — a significant increase can take 12 months or more, according to experts. But it’s worth the effort. A jump of even 100 points can translate into thousands of dollars in interest saved on a loan or mortgage. If you applied for a 30-year mortgage loan for $200,000, for example, the difference between a FICO score of 650, which is considered good, and one of 750, which is great, could be nearly $34,000 in savings, thanks to the lower interest rate the higher score could get you. FICO scores can range up to 850, though one of 760 or more will often qualify you for the best rates.

Tuesday, July 2, 2013

Big Banks Bet on Jumbo Mortgages Again

http://finance.yahoo.com/news/big-banks-bet-jumbo-mortgages-163256228.html;_ylt=AsmBlVnqAnT.V7szP.9rhLCiuYdG;_ylu=X3oDMTQ4NWRpdWcyBG1pdANDTkJDIFRvcCBTdG9yaWVzBHBrZwMwMGMyZjc5MC1lNmZjLTM4NGItYWUzNS04NDc5MGQ3Y2ZhYTAEcG9zAzMEc2VjA01lZGlhQkxpc3RNaXhlZExQQ0FUZW1wBHZlcgMyNjhhMjZmMC1kMWZmLTExZTItYWVmNy0zMDg0MTM5ZjE

As home prices rise, demand for jumbo mortgages is rising too. And as investors look for new ways to cash in on the housing recovery, these mortgages are starting to look more attractive.
Since the housing crash began, the market for jumbo mortgage-backed securities, pools of these loans sold to investors, has been close to nothing. Banks still make the loans, but hold them on their books. Now that is beginning to change

Monday, July 1, 2013

Car? House? Sorry: Graduates of 2013 Are Each $35,200 in Debt

http://business.time.com/2013/05/17/car-house-sorry-graduates-of-2013-are-each-35200-in-debt/

The typical college graduate will leave campus this month owing nearly as much money as they stand to earn in their first year of full-time employment, new research shows.
At a personal level, graduates toting up their private and government student loans, credit card balances, and personal debt will find the sum shocking. On average, they owe $35,200 and half say they are surprised by how much .

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