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Bankruptcy

Manos Legal Services > Bankruptcy (Page 3)

10 Ways to Save Money on Halloween Decorations

[ad_1] If you live a frugal lifestyle, holidays can test your commitment to thriftiness. It feels silly to spend money on decor, tableware and lawn ornaments that only come out for a few weeks a year. But that’s the point of a holiday – spending time and energy to celebrate a fleeting moment, regardless of how pointless it might seem. The good news is, tricking your place out for Halloween can be a cheap treat if you approach it the right way. Here are some of our best tips from frugal experts. Hit Up Craft Stores Justin Pritchard, CFP of Approach Financial Planning...

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How to Keep Your Budget in Check this Holiday Season

[ad_1] Ah, the holidays. Amid the cheer, festive gatherings with loved ones, and stress from the inevitable craziness, if not careful, they could put a serious dent on your credit cards. While it’s certainly not news that the holidays happen every year, they do have a way of unexpectedly creeping up on us. However, with a bit of prep, you can avoid those cringeworthy “overspend” moments, and avoid suffering from holiday debt hangover. Here are some ways to keep your spending in check this time around: Create a Holiday Spending Plan You may have a budget, or spending plan, for your your day-to-day...

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Fall Into These Good Credit Habits

[ad_1] Good habits are the foundation of a stable life. Little things like exercise, hygiene, meditation and reading can have a tremendous impact if done consistently. It’s about taking a holistic approach to improving and maintaining yourself day in and day out.  The same holds true for your finances. By forming a system of healthy habits, you can avoid the stress that most people associate with managing their money. You may still have setbacks and downturns, but the road to your financial goals will be smoother and less complicated.   The best way to start is by paying closer attention to your credit...

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How to Kickstart an Emergency Fund

[ad_1] Besides having a spending plan and saving for retirement, one of the major tenets of financial wellness is to have a healthy emergency fund. But the reality is that when you’re juggling multiple financial priorities—or simply have a rough time covering your bills each month—building the recommended three to six months for the unexpected is super challenging.   I remember when I was making $30,000 at my first full-time job. While that doesn’t seem like terrible pay, living in Los Angeles can be pricey. With rent on my tiny studio apartment in West L.A. devouring about a third of it, I...

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Is $1,000 Emergency Fund Enough?

[ad_1] People tend to latch on to the wisdom of the most prominent experts in any field. In the case of personal finance, the most famous expert is probably Dave Ramsey. One of his key pieces of advice is to save $1,000 in an emergency fund before paying off any high-interest debt. That’s good advice, but some people end up taking it the wrong way. They assume that $1,000 is the most they need to save, rather than a baseline. For some people, that might be enough – for others, it’s not even close. The amount you need depends entirely on your...

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Insurance When You’re a Freelancer

[ad_1] When you’re a 9 to 5er, it’s easy to take your company’s benefits for granted. And now that you’re a freelancer, one of the things you need to tend to is creating your own benefits package. Plus, as an army of one, self-employed solopreneurs bear the risk of higher uncertainty—hello, feast or famine! It’s even more important that you insure yourself against any potential perils you may face. Here are key types of insurance sole proprietors should consider: Health insurance Medical bills can get very expensive, very quickly, points out Tyler Dolan, a CFP and financial planner at Society of Grownups. Take it...

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Why I will be Rude to You After You File Chapter 13

[ad_1] I like my clients. I find bankruptcy work rewarding because I can offer positive change to the lives of honest, hardworking people who have an immediate financial problem. However, I can be an absolute pain in the rear end to my Chapter 13 clients after we file and during the two to four month period of time prior to the plan confirmation hearing. Why does this disconnect exist? Why would you want to hire a lawyer who will be demanding and abrupt? The answer is simple – if you want your Chapter 13 to work, you and I have a lot...

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WTFinance: What is Compound Interest?

[ad_1] It’s claimed Albert Einstein once said “the power of compound interest is the most powerful force in the universe.” While it’s still unknown if he actually said this or not, the message remains powerful and widely adopted and here’s why: Compound interest is basically interest on the principal amount + interest that has already accrued. In other words, interest on interest. Here are the key factors to keep in mind:Principal = amount borrowed or invested Interest rates =Interest paid on principal Interest paid on accrued interestCompounding schedule = interest can accrue daily, monthly, yearly or any other schedule laid out in the...

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Jessica Naziri of TechSesh on the New Mint for iOS Look

[ad_1]If you ever wished for an easier way to figure out what you should do to improve your financial health– stop what you’re doing and read up! Maybe you’ve heard me talk about Mint’s website and mobile app and how it helped me create and stick to a budget during my wedding and after (link to past videos). I’ve always been a fan of Mint, and now with new iOS app redesign, better features and data-driven MintSights– or Mint Insights, it’s even easier to stay on top of your savings, expenses and budgeting. This app update will help you have a...

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Why does the IRS file liens? And what you can do about one.

[ad_1] The obvious reason the IRS files a lien is because someone owes it money.  If you have a lien filed against your property the IRS is attempting to collect a debt. It could be an aggressive or passive collection attempt but the lien signals the existence of a debt. Whenever you face debt collection consider your options, including the possibility of bankruptcy. For a greater understanding, first let’s briefly examine what is a lien.  A lien creates a right to keep possession of property belonging to another person until a debt owed by that person is paid.  Most liens do...

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