Living Together and Common Law Marriage

Living Together and Common Law Marriage  Many people who come to see me usually tell me “Well, we have been married for 10 years, but we lived together for 10 years before that, so its 20 years”. Not so fast. Common Law marriages, where spouses live together and act...

Mistakes to Avoid When Facing Foreclosure

Mistakes to Avoid When Facing Foreclosure You already know that your home is in foreclosure. You’ve received that dreaded Notice of Default. You know that after 90 days, your home can be scheduled for a Trustee Sale. You don’t have a lot of time left. Your home with...

Avoid These Financial Traps

Avoid These Financial Traps Money. It’s hard to get and easy to lose. It doesn’t take long for the wealth you’ve accumulated to disappear if you don’t manage your money well or have a plan to protect your assets from sudden calamity. Undisciplined Spending The more...

Parking Lot Accidents Who is at Fault?

Parking Lot Accidents Who is at Fault?  So, you are driving at Target’s parking lot when all of a sudden, a car backs out of a parking space and hits you. Who is at fault? Car accidents in parking lots usually occur become someone is not paying attention. Parking lot...

Common Client Questions

Common Client Questions I speak to my Clients throughout the day, I usually get the following questions: Is my coverage adequate? Is it the right coverage? Do I need Flood Insurance? Do I need Earthquake Insurance? What is an Umbrella policy? What does all the...

Tax Planning Now Can Save You Money Later

Tax Planning Now Can Save You Money Later  When we review past tax returns of new clients, we usually find they paid more taxes than they needed to. The primary reason is failure to adequately tax plan. What Is Tax Planning? Tax planning is the process of gaining the...

Understanding IRA Required Minimum Distributions

Understanding IRA Required Minimum Distributions  IRAs are an important part of many investors’ nest eggs. Know the rules for how to withdraw funds from them for your retirement. Individual retirement accounts (IRAs) play a key role in helping Americans save for...

In an Accident? Important First Steps

In an Accident? Important First Steps 1. Call the police and report the accident. California Law requires those in a car accident that results in injury or death, or at least $1,000 in property damage to report the accident to the D.M.V. within 10 days. Even if you do...

Are You Financially Fit?

Are You Financially Fit?  If you don’t have a financial plan, that question may be hard to answer. To achieve financial wellness, you need to define your goals and set a time frame for reaching them. The following steps can help you take control of your finances....

Bankruptcy When Your Financial Future Is at Stake

Bankruptcy When Your Financial Future Is at Stake  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...

Post-concussion Syndrome and TBI

Post-concussion Syndrome and TBI If you watch football, you have heard of “Post-concussion syndrome” – a common result of traumatic brain injury (TBI) following a concussion.  The Centers for Disease Control and Prevention (CDC), defines TBI as a “bump, blow, or...

Common Client Questions

Common Client Questions I speak to my clients throughout the day, I usually get the following questions: Is my coverage adequate? Is it the right coverage? Do I need Flood Insurance? Do I need Earthquake Insurance? What is an Umbrella policy? What does all the...

Offshore Accounts and Taxes

Offshore Accounts and Taxes U.S. taxpayers must report their worldwide income on their tax returns. Due to our government’s need to increase revenue, the IRS is actively searching for violators. When caught, the penalties for failing to disclose can be harsh, ranging...

How Much is My Case Worth?

How Much is My Case Worth?  We are often asked this question.  Simplest answer “It’s worth as much as someone is willing to pay for it!” In all seriousness, the answer depends on a variety of factors: 1. Timing – at what point in the case is this question asked? Is it...

Fighting For The Rights Of Injured Workers

Fighting For The Rights Of Injured Workers  Have you recently experienced a work-related injury? Has getting the treatment you need to return to work become impossible to get authorized through the worker’s compensation insurance carrier? Recent legislation effective...

What is Probate?

What is Probate?  If you or, more likely, your parents, created an old-fashioned will, or you, or your parents have no will or trust, then a process must be initiated in Superior Court called Probate. Probate is the court supervision of the administration of a...

Connecting Industry with Parents

Connecting Industry with Parents On October third, STREAM Global Innovations will be hosting their Parent Café in honor of their Manufacturing Day event the following day. Parent Cafés are industry-led panel discussions for parents to ask questions and get vital...

Hits Happen – Are you Covered?

Hits Happen – Are you Covered? We all know that accidents happen. Most often it is someone else’s negligence. Most, not all, people obey the mandatory insurance provisions of the state statutes.  Some folks don’t purchase any insurance. More and more people get...

When Bankruptcy Becomes Necessary

When Bankruptcy Becomes Necessary Many people find themselves facing overwhelming debt, with constant calls from creditors and no obvious way out. For some, a job loss sent them into a downward spiral, and they are now unable to pay their bills and meet their...

Should I Take the $500 Offered by the Adjuster?

Should I Take the $500 Offered by the Adjuster? I have heard this story (or a variation) many times: “two days after my accident, the adjuster offered me $500.”  Some even say: “the adjuster offered to keep my medicals open for up to $1,500.”  What does this mean, and...

When Should I Update My Estate Planning?

When Should I Update My Estate Planning?  After going to the time and expense of setting up an estate plan, people often put their important documents on a shelf and forget about them. How often should you dust off these documents and revisit these important life...

Business Directory

Business Directory From lawyers to tax consultants to accountants and everything in between, this month’s business guide will show you just how convenient and easily accessible any kind of service can be. The August Business Guide is your “one stop shop” for all the...

Common Errors in Business Valuations

Common Errors in Business Valuations  Business valuations are prepared by a variety of professionals, including business appraisers, brokers, financial analysts, certified public accountants, and economists. There are quite a few common errors made in business...

The Basics of Long-Term Care Insurance

The Basics of Long-Term Care Insurance Planning for the cost of long-term care is something nearly every household should think about. Thinking about the need and the costs of long-term care is enough to make anyone uncomfortable. But while it’s a difficult subject to...

Do I Need a Lawyer?

Do I Need a Lawyer?  Ever wonder: “Do I need a lawyer, or can I handle my injury case on my own?” To quote Abraham Lincoln: “He who represents himself has a fool for a client.” Think about it: you wake up one morning with a nasty toothache. You can either yank that...

When Should I Make an Estate Plan?

When Should I Make an Estate Plan? The need for an estate plan is not so much dependent on your age but on life events. Here are a few key events that may trigger the need for an estate plan or a change in an existing plan. 1. Marriage or Divorce – After marriage, a...