A Notice of Default (NOD), also known as a Pre-Foreclosure Notice, is a notice sent to a homeowner when they have defaulted on their mortgage payment at least 3 months consecutively. If a homeowner does not cure the payments in arrears, they are at serious risk of losing the property by the lender. The lender…
5th of a series [SELECT a handful of those things in your bucket list that have the highest chance of coming to fruition given your time frame. In tech speak, it means before your life’s energy goes into ‘ low batt mode’ and life has run out of sockets to plug into.] Ever wonder how…
1. Use moving average crossover strategy. • Buy when its 50-day simple moving average crosses above its 200-day simple moving average. • Sell when the short 50-day SMA drops back below the long 200-day SMA. 2. Use RSI (Relative Strength Index) to measure of short-term momentum that varies from zero to 100. • Sell or…
Q: I WAS badly injured in a recent car accident. I had to undergo multiple surgeries. I missed several weeks of work and will need more time off for treatments. I am afraid to tell my boss that I need more time off because I might be fired. What should I do? A: You need…
WHAT is the meaning of the title of this article? Does this imply that Chapter 7 is risky such that Chapter 13 is safer in certain situations? Yes, that’s exactly what it means. Now that interest rates on mortgages are historically at their lowest and given the shortage of houses in Southern California, the prices…
WITH so many drivers in California driving without valid insurance coverage, it is important to make sure that your insurance policy includes uninsured motorist coverage. Your insurance agent is the best source to inquire about in obtaining this coverage. Uninsured and underinsured motorist coverage have several similarities. For both, coverage applies only if a vehicle…
A LOT of people in debt often already know what they need to do once they realize that bankruptcy is their only way out. But they usually delay the decision to file because they try their best to avoid it if at all possible, and they will only rush to act when they face an…
Part 3 of 4 Technical analysis is the study of historical market data including price and volume. It helps long-term investors time their entry (buy) or exit (sell). If timing is off, gains will be lower no matter how strong business fundamentals are. Technical analysts depend on tools to find trends and patterns in the stock market. Such tools…
Q: I WORK in healthcare where there is a strict policy of no unapproved overtime, and no going on breaks unless we have a reliever. We are forced to skip our breaks if there is no reliever (which happens a lot because we are often understaffed). As for overtime, we don’t even ask for approval…
WHETHER a loved one dies as a result of an auto accident, pedestrian accident, motorcycle accident or an elderly loved one dies as result nursing home neglect/abuse, it is non-economic damages that resonate with a jury. These damages for the loss to the plaintiff of the decedent’s love, companionship, comfort, care, assistance, affection, protection, society…
The question of course is why would anyone need to convert his Chapter 7 case to Chapter 13 when the former is a total wipeout of debt, while the latter would require partial or full payment of debt? It’s because after you file your Chapter 7 case, the estimated value of your house was wrong,…
Filing bankruptcy can be a big decision that most people put off until they realize that they have no other way out of debt. Unfortunately, however, sometimes people wait too long. When they finally do make the decision to file, they soon realize that they would actually have been better off if they had just…
By Rachelle Arizmendi With over 4 million people in the United States, Filipino Americans are the 3rd largest Asian American group in the county. In California, we are the largest Asian American group with 1.6 million. Although Filipino Americans have an average household income higher than the average US household income, there are many Filipinos living…
IT is no secret that the insurance industry wants claimants to be unrepresented in order to take advantage of them with lowball settlement offers and unfair denials of liability. For example, in nationwide class-action litigation, former Allstate employees testified that they were “trained to build rapport with customers and discourage them from hiring lawyers.” This…
California Supreme Court issues new ruling FOR two years, Jessica Ferra worked as a bartender for Loews Hollywood Hotel, LLC. Loews paid Ferra hourly wages as well as quarterly nondiscretionary incentive payments, which refer to payments for an employee’s work that are owed to employees based on a prior agreement or promise and dependent on…
Stock traders use fundamental analysis and technical analysis to buy stocks. Fundamental analysis involves looking at a company’s business metrics such as revenue, earnings and debt. Technical analysis involves looking only at a stock’s recent price movements and identifying buy and sell signals in its chart. Technical analysis identifies price trends and chart patterns. Technical analysts believe past…
The CARES Act is federal legislation that was adopted after the pandemic to help our country and people survive the pandemic created unemployment, businesses losses and financial hardship. It provided for the much-needed stimulus package, the PPP loans for businesses to protect wages, and pandemic unemployment benefits for those who lost their jobs due to…
DO you have sleepless nights worrying about your credit card debts? Are you feeling hopelessly trapped with no way out? If you are up to your eyeballs in credit card debt and have no way of paying back what you had borrowed, a lot of things may be going through your mind at the moment….
Growth stocks are expected to grow sales and earnings at a faster rate than the market average. Growth stocks have a history of strong revenue growth and projected strong revenue growth and strong earnings. Growth stocks have the potential to outperform the overall market over time because of their future potential. Growth stocks often look…
Q: I work for a mid-size company in Los Angeles. Because of the COVID pandemic, I, together with half of our work force, worked from home for over a year. Now, we are returning to the worksite. However, management has told us that there will be a “reorganization” and some employees will not be asked…
A PEDESTRIAN is crossing a typically busy street in a marked mid-block crosswalk. A car approaching the crosswalk in the slow lane sees the pedestrian crossing and stops for the pedestrian. This car blocks the view of another car approaching the crosswalk in the fast lane. There is no stop. The driver of the car…
A PEDESTRIAN is crossing a typically busy street in a marked mid-block crosswalk. A car approaching the cross walk in the slow lane sees the pedestrian crossing and stops for the pedestrian. This car blocks the view of another car approaching the crosswalk in the fast lane. There is no stop. The driver of the…
IF you are in debt and are seriously considering bankruptcy as an option, I am sure a lot of thoughts are going through your mind. I just want to get out of debt and start a new life but how quickly can I recover from bankruptcy? What are the different types of bankruptcy available? How…
Investors who use fundamental analysis are often broken into two categories: Value investors place a higher priority current stock price. Growth investors place a higher priority on the future prospects. Let’s discuss Value investing now and explore Growth next week. Value stocks are companies that are currently trading below what they are really worth. Value investors seek out larger,…
TYPICALLY, traumatic brain injury cases arise in personal-injury cases involving the negligence of a third person. These types of cases arise from motor-vehicle accidents, vehicle-pedestrian accidents, injuries arising from a defective product, bicycle and motorcycle accidents. The thought before was that if a person does not lose consciousness, they could not have suffered brain injury….
THE debtor is 50, while the spouse is 48. They have two children — a son aged 18, and a daughter aged 16. The son is about to go to college out of state. The daughter is about to graduate from high school and applying for college in state. They expect that once the son…
Q: Four weeks ago, I was fired from work. My employer told me my last paycheck will be mailed to me by next payday. I have not received it yet. When I called the company to ask where my check is, I was told it was on the way. I waited again but still no…
BEING in debt and doing nothing about it can have more serious consequences than you think. First of all, it can impact your financial future. Uncontrolled debt can deprive you the opportunity to put money aside for emergencies, save money for a home or college for your children, or perhaps for retirement. Every day I…
THERE seems to be a misconception in the general public that you can only obtain a divorce in California if your spouse will sign the divorce papers. I get this question a lot from our family law clients. The fact is that California is a no fault state and you do not need your spouse’s…
Q: MY job title is “manager.” I work at least 10 hours per day, 6 to 7 days per week. While I supervise a few employees, I mostly do the same tasks they do. I cannot hire or fire anyone. My employer insists that since I am salaried and paid double the hourly minimum wage,…
