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Bankruptcy

Manos Legal Services > Bankruptcy (Page 6)

We Earn $200,000 and Can’t Save. Help!

[ad_1] Mia, 35 and her husband Luke, 36, earn a combined $200,000 per year. But after paying their mortgage and rental property loan, as well as car and student loans, child care, and other living expenses, the Los Angeles couple has a difficult time socking away money in savings. They do have about $10,000 in a rainy day account, which could cover their expenses for about one month. But adding to the account has been proving difficult. Luke feels confident that if they ever run into a serious financial bind, they could always take advantage of their low-interest home equity line of...

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Mint Feature Highlight: New Credit Utilization View

[ad_1] Hi Minters! Kyle here from Mint’s product team. I wanted to share with you one of our newest feature updates that we hope you have already discovered. One of the biggest impacts to your credit score is your credit utilization ratio. That sounds really intimidating, but it’s actually a simple calculation of the total amount you use on your credit cards (your balance) divided by your credit limit. Knowing where you stand is a key factor in making good spending decisions.That’s why we wanted to make it really simple for you to go in and see how you’re doing with each...

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How to Make Use of Abundant Seasonal Produce [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=6lxwtJFT5D4?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]Welcome back to the collaboration between Mint and Brewing Happiness. I’m Haley, the girl behind Brewing Happiness – a blog about celebrating the small healthy choices we make in our lives, complete with recipes for everybody!  I’m here to give you tips on living a healthy, happy life on a budget. Summer is in full swing and ripe with fresh produce! This is my favorite time of year to shop seasonally, because there is an abundance of fruits and vegetables in season all at very low costs. Walk into any grocery store and there are likely to be sales...

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WTFinance: What is a Credit Score? [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=ucI4pOcbVYM?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]Thinking about buying a house? That new car you’ve be dreaming about? Opening that coffee shop/bookstore/record store that maybe also sells sandwiches? Having big dreams may also require good credit. To keep your eye on the prize, you need to keep an eye on your credit score, and we’re here to help.Why your credit score mattersFor starters, your credit score is the number that alerts bankers and lenders of how reliable you are when it comes to repaying debt. This score is calculated from things like if you pay your credit card on time, your credit card utilization...

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How to Travel Like a Minimalist and Save Money [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=dXlyc1epqkA?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]If you want to travel more, it doesn’t have to be more expensive. There are many ways to travel like a minimalist— travel lighter while saving money for future traveling. Here are my six recommendation for traveling like a minimalist.# 1 Sign up for travel deal alertsThere are many airfare deal websites where you can subscribe for updates on the latest deals. This is a way to be in the know about cheap flights on certain dates and take advantage of them. Since one of the biggest costs of traveling is usually airfare, this is a way to...

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College Grads: Stepping-Stones to Starting Your Own Business

[ad_1] If you’re a recent college grad, you may aspire to turn your dream business into a reality. In fact, a survey conducted by the University of Phoenix reveals that 63 percent of people in their 20s were either entrepreneurs—or would like to be one someday. While that may come as no surprise, getting a venture up and running isn’t easy. As you know, it requires a ton of work, grit and resources. But no need to feel intimidated or overwhelmed. There are ways you can gradually build your own business that don’t necessarily require a lot of funds and time.   For...

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Why Nothing Good Comes from Pro Se Bankruptcy Filings

[ad_1] I have been a personal bankruptcy lawyer in Atlanta for more than 30 years and one of the trends that I have seen over all these years has been that personal bankruptcy is more complicated and confusing now than it is ever been in the past. Back in 1988, for example, I would often see pro se (people who filed bankruptcy without a lawyer) appearing at 341 hearings and Chapter 13 confirmation hearings. At that time, a pro se filer could head over to Office Depot and buy Chapter 7 or Chapter 13 forms, fill them out with a pen,...

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How College Grads Can Get Started Investing

[ad_1] If you’ve just graduated college—first off, congrats! And as you’re creating a massive “next steps” to-do list, that might include landing your first grown-up job, moving to new stomping grounds, or creating a budget, you’ll want to add one thing: investing. We get it. While retirement might seem like aeons away, here’s the thing: The sooner you squirreling your beans away for retirement, the better. In this article, we’ll go over a few pointers on how to get started investing if you’re a  fresh college grad:Start Small and Start NowGetting a jump on investing what you’re young benefits you in...

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The 4 Biggest Budget Suprises for New College Grads

[ad_1] Life after graduating college is a time of surprises. You’re thrust into the adult world for the first time, forced to earn your way and find your place, all while still feeling like a kid inside. Some people make the transition smoothly, but most of us struggle a bit.   That’s especially true when it comes to your finances. Given the poor state of financial education in American schools, most people graduate college barely able to write a check or remember the PIN number for their debit card. So, a little stumbling is inevitable – but that doesn’t mean you need to...

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7 Destinations with Strong Exchange Rates for US Travelers [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=GDHDLeGwOO0?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]If you want to have the next trip of a lifetime you will want to stretch your budget as far as it can go and really make every dollar work for you. If you choose a destination where the US currency is strong you can save big bucks on everything without really trying. This is especially true when booking travel to typical expensive destinations, like Japan or Norway. Watching the foreign exchange rate, and traveling when it’s favorable for the US is a great way to plan an expensive trip and still save some money. Here are the top countries...

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