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

Tuesday, July 16, 2013

How to Deal With Loan Collectors--Even if They're Related

Dear Dave,
I borrowed $30,000 from my aunt to buy a condo eight years ago. We had a deal that she would get her money back, plus a piece of the profits, when it sold. If there were no profits, she would get back her original $30,000. Recently the condo sold and I lost the money I put into it, plus my aunt’s money as well. I make good money and don’t have any other debt, but I’m a little resentful now that she wants me to pay her back. Do you have any suggestions?

Dear Christine,
I don’t want to be mean, but you have no right to be resentful toward your aunt. This is the deal you signed up for, and she did nothing wrong. Wanting her money back now isn’t greedy or malicious on her part, and it’s definitely not worth putting a family relationship at risk.

http://www.foxbusiness.com/personal-finance/2013/06/18/how-to-deal-with-loan-collectors-even-if-theyre-related/#ixzz2Wb1MCP9p

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

Monday, July 15, 2013

Are 4% Mortgage Rates the new Norm?

Mortgage rates climbed for the sixth week in a row, making refinancers and potential homebuyers nervous. If it serves as consolation, rates are likely to stabilize for a few days until the Federal Reserve meets next week.
The benchmark 30-year fixed-rate mortgage rose to 4.14%, compared with 4.1% last week, according to the Bankrate.com national survey of large lenders. The mortgages in this week's survey had an average total of 0.32 discount and origination points. One year ago, that rate stood at 3.91%. Four weeks ago, it was 3.71%.
Compare Mortgage Rates in Your Area

In early May, the fixed rate was 3.52%. It had been below 4% since May 2012 -- for more than a year -- up until the first week of June 2013.

http://www.foxbusiness.com/personal-finance/2013/06/14/are-4-mortgage-rates-new-norm/#ixzz2WaydVZ8W

Sunday, July 14, 2013

The New Retirement: Why You Don’t Have to Pay Off Your Mortgage

Low interest rates have changed the game for retirees—but not always in a bad way.
Consider your mortgage. With rates having fallen so far, there may no longer be a pressing need to own your house outright before you call it quits at the office.
This may be of little comfort to millions of savers trying to eke by each month on income from bank deposits paying below 1%. But today’a low rates are a boon to those saddled with a mortgage payment at a time in life when carrying large debts has long been ill-advised.

http://business.time.com/2013/05/28/the-new-retirement-why-you-dont-have-to-pay-off-your-mortgage/#ixzz2WWKJ2TUA

Friday, July 12, 2013

5 Ways to Keep Living Costs as Low as a Student's

http://www.savvysugar.com/How-Live-Cheaply-Student-23514519

Once you've thrown your graduation cap in the air, it's time to face the real world. Although you're not in school anymore, you could still probably stand to keep your living costs as low as a student's because — let's face it — that entry-level salary probably won't stretch very far. Here are some ways you can live a frugal student's lifestyle:
Use student discounts: You still have some time before the date on your student ID is expired, so make use of student discounts (here's a list!) while you can. Use student clothing discounts from J.Crew or Ann Taylor to get yourself a work outfit.
Find roommates: Room with other people to keep living costs down, just like you did in college. But pick carefully — you don't want to end up with a nightmare rooming situation. Do background checks if it's a stranger from Craigslist, or try to stick to people you know. Make sure you ask your potential roommate these five questions before moving in with them.
Make use of the library: It's time to transition from the school library to a local public library! Keep on getting your books for free by patronizing your local library.

Wednesday, July 10, 2013

How to Use Your IRA to Buy Income Properties

With taxes going up for most people, you might be paying more attention to your tax-deferred retirement investing options, such as your Individual Retirement Account (IRA). And with property prices going up, you might ponder whether you can invest those IRA funds in real estate to both defer (or eliminate) taxes and earn a fair rate of return.
Putting your hard-earned IRA assets into a “self-directed” IRA can be a very good idea to grow long-term, tax-deferred or tax-free assets. But it doesn’t work for everyone.
Here are a few things you should consider

Tuesday, July 9, 2013

The New (Old) Family Doctor: Cheaper, Better Care Without Insurance

http://www.dailyfinance.com/2013/06/07/direct-primary-care-ryan-neuhofel/

In old movies and TV shows, medical care always seems like a simple thing. When Beaver Cleaver or Jem Finch is sick or injured, the kindly neighborhood doctor shows up, fixes everything, and gives the parents a bill. Payment usually occurs off screen, but the medical expenses never seem especially onerous: the "Beaver's Tonsils" episode of Leave it to Beaver doesn't finish with Mr. Cleaver telling his son to hold on for a month until finances are better. And the broken arm scene in To Kill a Mockingbird doesn't end with Atticus telling Jem to man up until they can make it to the free clinic. Instead, the process is simple: injury, treatment, payment, healing.

Monday, July 8, 2013

You Thought You Were Safe? 6 Myths and Realities of Online Security

http://www.dailyfinance.com/2013/06/10/online-security-privacy-myths-realities-prism/

Even at the best of times, surfing the Web involves a delicate dance between security and freedom. After all, while you have the freedom to visit any site in the world, the thought that your favorite website might be infected with malware can put a dent in your plans. And, as the recent furor over the NSA, Prism, and the federal government's access to our online information has highlighted, when it comes to privacy on the Internet, nobody is completely secure.

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