Listening to and learning from you

A CRITICAL component of personalized patient care is cultivating the art of listening. One of the most important reasons we use social media is to be sure it’s easy for you to connect with us—whenever and wherever you want. We’re always anxious to know your thoughts about how we can best serve you. Your feedback…

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CA tax changes for 2013 tax returns

MINIMUM Wage –Minimum wage increases to $9 per hour effective July 1, 2014. Medical and Dental Expense Deduction – Federal law made it tougher to deduct medical expenses by raising the floor from 7.5 percent to 10 percent. This means  that you can only deduct expenses that exceed 10 percent of your federal adjusted gross…

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Treatment of non-filing spouse income in bankruptcy

CAN a spouse file for bankruptcy while the other does not? For instance, husband’s gross income is $3,000 monthly. Wife’s income is $8,000 monthly. Husband has $100,000 of credit card debt. Wife has $50,000 of credit card debt. Husband wants to file bankruptcy, either a Chapter 7 to discharge all of his $100,000 of credit…

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Need help with debt but too embarrassed to ask?

HAVE you ever faced a situation in your life where you needed help so badly but you were just too afraid or embarrassed to ask for it?  Perhaps you felt confused and overwhelmed with the problem that you spent sleepless nights trying to figure out what to do. As a bankruptcy attorney, over the years…

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New California laws for 2014

(Part 2 of 2) Immigrants POLL workers: Permanent legal residents who are not citizens may serve as poll workers in California elections. Employer threats: Employers are prohibited from inducing fear by threatening workers to report their immigration status if they complain about working conditions. Lawyers: Illegal residents who pass the state bar exam may be…

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New CA Laws for 2014

(Part 1 of 2) MINIMUM Wage: Minimum wage increases to $9 per hour effective July 1, 2014. Identity Theft, Internet Online Tracking – Identity theft: State agencies and businesses are required to notify people when security information is hacked. – Tracking software: Website operators are required to inform users if their online activities are being…

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Paid leave to care for sick family members

LAST week, we wrote about the California Family Rights Act (CFRA) which entitles qualified employees 12 weeks of leave from work when they have to care for their seriously ill child, parent or spouse, for birth of and bonding with a newborn, or for the adoption or foster care a child. In the absence of…

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Should you direct deposit your IRS refund?

YES, of course. Direct deposit is the fastest and safest way to receive your tax refund. Here are reasons why you should use direct deposit of your refund: 1. Speed: When you combine direct deposit with e-file, you can receive your refund in as little as 10 to 14 days. 2. Security: The IRS holds…

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How to end debt suffering with bankruptcy relief

A lot of people end up filing bankruptcy when they get to the point of feeling hopeless about their financial problems. Despite what others may think, there is no shame in needing a second chance to secure your financial future. Bad things can happen to good people, as the saying goes.  Sometimes, people simply make…

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Enamel education

While we endeavor to help our patients aoid tooth problems, with the reality is that by the time many people get to the dentist, they are already experiencing symptoms of dental distress. Many common dental complaints – both physical and cosmetic – can be traced back to enamel damage. tooth enamel is the hard, outer…

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Is lover’s claim dischargeable?

SOMETIMES one lover takes advantage of the other lover by borrowing money that is not repaid. For example, John and Mary are in a relationship. They think that they are in love with each other. John wants to invest in the stock market because all the stock market indexes are up over 25 percent this…

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Living trusts: The problem with probate

ALMOST everyone is concerned with saving money on their taxes, but most people worry only about income taxes and ignore planning to avoid estate taxes, which can consume up to 46% of a family’s taxable estate before it can be passed on to the children.  With proper estate tax planning, you could avoid probate and…

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What to do when a loved ones dies

WHAT to do immediately -Gather family members. Plan, organize, delegate. Agree on main contact person. -Prepare lists of records to gather, tasks to do, people to contact. Establish responsibilities. -Establish dates & locations of -Viewing -Interment -Reception Who to inform – Family members – Close friends – Employer – Trustee, executor – Pastor, minister, priest,…

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