IN 2008, the California State Controller’s office led a multi-state audit of the practices of 21 national insurance companies, to determine these companies’ compliance with state unclaimed property laws. California’s…
ADVANTAGES of home sales for 2013 is that there will be fewer short sales and hopefully more regular listing coming back on the market. Lenders have pulled together finally and…
YOU are still upset from losing an IRS audit. You have two choices: pay or fight. If you choose to fight, go to appeals. Let me give you 10 tips…
YOU know what a stockbroker is and what he does for a living, right? A stockbroker recommends what stocks to buy and sell to his client, and he makes a…
IF this Halloween proves to be too much candy for your children’s teeth, then come join us at Millbrae Smile Center on November 2nd for a Sweet Swap Post-Halloween party…
CONTRARY to what others may think, the majority of people who file for bankruptcy are honest, hard working people who simply need to get a fresh financial start. Because life…
Q: AS an employee for a service provider company, I am paid an hourly rate and an additional piece rate if I respond to customer calls after hours. I often…
FROM my article last week, I got a few more homeowners calling about the same scenario, I thought of researching more of how you can research and find out if…
SCHEDULE J of the bankruptcy petition shows the actual monthly expenses of the debtor. This is different from the means test which specifies the allowable deductions of debtor using IRS…
CHAPTER 13 debtors are able to “strip” junior liens on their residences if there is no equity supporting the lien. To illustrate, debtor owes $100,000 of credit card debt, owns…
IF YOU have serious debt problems, you may feel depressed and alone. It may seem like the end of the world. Your self-esteem may have suffered. You may feel angry,…
IN 2006, Filipino nurses at the Delano Regional Medical Center in Delano, California were called to a meeting and told they were not allowed to use their native language at…
I TOLD you I would always keep my eyes and ears widely observant for potential homeowners getting any kind of mortgage debt balance reduction. I also mentioned that I felt…
WHILE IRS audits decreased from the mid-90s, the Service reorganized, retrenched, and retrained its personnel during years of inactivity. They are back. I have personally handled more audit defense cases…
PREGNANCY and its related hormonal changes exaggerate the effects from plaque irritants. And as you know, the acids in plaque can lead to tooth decay, gum tissue inflammation and, if…
ROBERT Collins had applied for an officer’s position with the Maryland Department of Public Safety. Collins narrated that during the job interview, the human resources personnel interviewing him asked for…
EVERYONE knows that the mortgage rates are really at its Historic Lows, we are talking about 3.25%- 3.5% for your 30 years fixed rate mortgages. I noticed that these are…
LET’S say that you’re a man who loves women and you own a business distributing lingerie. You require all your women employees to wear the company’s products in the office….
ARE you being harassed by your creditors day and night due to unpaid bills? If you are, you know that this is a pretty unpleasant experience. You may feel scared,…
A FEDERAL jury in Los Angeles recently awarded a former supervisor of the United Parcel Service, Inc. (UPS) more than $18 million in damages after he was fired for filing…
A client of mine said he never saw it coming. Everything he ever wanted in life, he always purchased on credit. The “pre-approved” credit cards just kept coming in the…
OBVIOUSLY, the easiest way in stopping the IRS from seizing your property or rights to property is by paying the taxes you owe. In today’s economy, however, it is not…
IF YOU’VE ever been in a situation in your life where you had to file bankruptcy as a last resort in order to get out of debt, you know exactly…
Q: I HEARD that the Supreme Court recently decided a case about the employer’s obligation to provide lunch breaks. Some say the employers won the case. But others say the…
IF YOU are like a lot of people who have old, unpaid debts, collection accounts and judgments from their past that they don’t even remember, you may feel that it…
OBVIOUSLY, the simplest way to refinance without extending the term is to select a new mortgage with a shorter term. How do you refinance your 30 year loan after paying…
ARE you having problems paying your debts? Are creditors calling you day and night threatening you with a wage garnishment, repossession or foreclosure? Are you starting to feel hopeless and…
WHILE each dentist may focus on different priorities in their practices, we all preach the same mantra: Take care of your teeth, and they’ll take care of you. Teeth begin…
As we all know, the recent global financial crisis has forced thousands of homeowners to give up their homes through foreclosures. To make matters worse, these homeowners had to contend…
I THOUGHT of sharing this information about my trip to the Philippines recently. I primarily stayed in the Metro Manila and the Makati Area for about a week. I did…
