[COLUMN] What is a postnuptial agreement?
A postnuptial agreement is a contract between you and your spouse entered into after you get married resolving issues in your marriage. It is similar to a prenuptial agreement except…
Category: Consumer Columnists
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[COLUMN] Who is an honest debtor or one in good faith?
THE honest debtor is the only debtor who can get a discharge in bankruptcy. But who is an honest debtor? If we go by layman’s definition just to get an…
[COLUMN] Fundamental analysis for stock trading
YOU can use two primary approaches to analyze a stock: fundamental analysis and technical analysis. Fundamental analysis involves looking at a company’s underlying business metrics, such as revenue, earnings and debt….
[COLUMN] Will incorporating a separate property business during marriage make it community property?
YOU own a successful business, as a sole proprietor, prior to marriage. You later meet the love of your life and decide to marry her. Years into the marriage, you…
[COLUMN] Things to consider before signing that severance or release agreement
A SEPARATION package or a severance agreement is a contract between an employer and an employee who is about to leave the employer’s employment. In a typical severance agreement, the…
[COLUMN] Get out of debt now: Safely and legally
ARE you sick and tired of being in debt and having bad credit? Do you want to start over but simply don’t know where to begin? Is filing bankruptcy an…
[COLUMN] Vicarious liability
Vicarious liability is a legal doctrine under which parties can be held indirectly liable for an incident and/or injury, even though they did not cause it. Where vicariously liability is…
[COLUMN] I received a notice of default / pre-foreclosure notice. What should I do?
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…
[COLUMN] The bucket list: Whip up your signature dish
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,…
[COLUMN] Part 2 of 3: Trading strategies for technical analysis
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…
[COLUMN] Your rights at work after a personal injury
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….
[COLUMN] When Chapter 13 is safer than Chapter 7
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…
[COLUMN] Uninsured and underinsured motorist coverage
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…
[COLUMN] If you’re thinking of filing for bankruptcy
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…
[COLUMN] Part 3: Technical analysis for stock trading
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…
[COLUMN] When ‘voluntary’ work off-the-clock should be paid
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…
[COLUMN] Wrongful death
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…
[COLUMN] Converting Chapter 7 to Chapter 13
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…
[COLUMN] Filing bankruptcy: Lose your debt, not your assets
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…
[COLUMN] Act now to get affordable home internet
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…
[COLUMN] Insurance companies taking advantage of you
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…
[COLUMN] How are payments for missed meal or rest breaks computed?
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…
[COLUMN] Technical analysis for stock trading
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…
[COLUMN] CARES Act and supplements modify BK code temporarily to help debtors affected by COVID
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…
[COLUMN] Credit card debt problems? How bankruptcy can help
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…
[COLUMN] Investing in value stocks
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…
[COLUMN] Can employer fire employees in a post-COVID ‘reorganization’?
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….
[COLUMN] Pedestrian accidents
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…
[COLUMN] Break the shackles of debt after COVID
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…
[COLUMN] Starting a new life after bankruptcy
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…