[COLUMN] Why hiring a debt settlement company can make your problems worse
IF you are delinquent on your debts, you may be able to avoid dealing with the bill collectors for a few months but sooner or later, you will still need…
Category: Business
Covering the week’s most noteworthy business news impacting the Filipino-American and Global Filipino community.
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Purchasing car insurance that is right for you: Melody Avecilla of GEICO will show you how
FILIPINA Melody Avecilla’s successful career in the insurance industry started after migrating to the United States. Previously an international flight attendant, she was advised by family members living in the…
Will eviction moratorium save renters and landlords?
By Jenny Manrique/Ethnic Media Services THE Centers for Disease Control and Prevention (CDC) extended the federal moratorium on evictions until October 3, while President Joe Biden’s administration provided $47 billion…
[COLUMN] Employee rights and California mandates to get a COVID vaccine
Q: I HEARD California is requiring workers to be vaccinated. My employer just sent a memo to everyone saying that employees must be vaccinated in order to be allowed into…
[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] Get out of debt, improve your life
YOU may not like what I have to say in this article. But oftentimes, the truth hurts. But if you find yourself broke every payday because of too much debt,…
[COLUMN] Car insurance follows the vehicle maximizing the client’s recovery
THE common misconception is that car insurance follows the driver. In reality, car insurance follows the vehicle. Under the “permissive use statute,” this means if you give another driver permission…
[COLUMN] The homestead exemption
WHAT about the homestead exemption? Let’s use the exact words of the law as to what is considered a homestead in California. Section 704.710 (c) of the California Code of…
[COLUMN] Day trading
THIS style is called “day trading” because securities are bought and sold within the same day. Day traders typically buy and sell securities within the same day, often multiple times…
[COLUMN] Can I sell my home without hiring a realtor?
YES, you can sell your home without a realtor. Property owners who sell their property without hiring a licensed real estate agent, are considered as a “for sale by owner”…
[COLUMN] Company wants to give me a 1099, not a W-2 – is this legal?
Q: I have been working as a caregiver for a healthcare agency in Los Angeles. My boss talked to me about signing an independent contractor agreement which will make me…
Jollibee acquires Tim Ho Wan
FILIPINO fast-food giant Jollibee Foods Corp. (JFC) has fully acquired Michelin-starred restaurant chain Tim Ho Wan following the purchase of its remaining stake held by other investors. Through its wholly-owned…
[COLUMN] Day trading versus swing trading
Highlights: Day traders typically buy and sell securities within the same day (even multiple times per day) while swing trading involves making trades over a few days, weeks, or months….
[COLUMN] Insurance companies taking advantage of social media and your injuries after any type of accident
IT is no secret that insurance is a multi-billion-dollar industry. The insurance industry and insurance companies have all the resources and money to spend in their efforts to take advantage…
[COLUMN] Bankruptcy can provide hope when everything looks hopeless
WHEN debts spiral out of control, bankruptcy can become an invaluable financial recovery tool in getting you back on the right track. While it’s not for everyone, close to a…
[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…
[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…
Demanding equal access to the internet as a human right
The Internet has become so integral to modern life that access to it is a necessity. Broadband access is an integral part of infrastructure negotiations and in the United Nations,…
[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…