Blog Series

January 30, 2014

Is it legal for a doctor’s office to report an unpaid “missing appointment charge” to a collection agency and then the agency reports it to the credit bureau? Yes, they are perfectly within their rights to do so.


If a “missing appointment charge” or a medical bill goes unpaid long enough for the medical provider’s to sell or turn over the debt to a collection agency, most collectors do report accounts to the credit bureaus. And they are perfectly within their rights to do so. That can take your credi...

January 30, 2014

Wealth Management Financial Advisors. Long Beach CA.


Tax season for individual taxpayers opens on January 31, 2014. That doesn’t mean you can’t submit your information early to WMFA or your certified IRS tax preparer, we are– accepting information early and hold tax returns until the IRS systems open for processing. However, early submission assumes you have your complete tax information. That includes your forms W-2, 1099, 1098 and the like which your employer, bank and financial institution is unde...

January 30, 2014

For the overwhelming majority of Americans, having secure retirement income in the future doesn’t seem like a very sure thing. Your retirement days may be near, far off, or already here. But NOW is always the right time to be working toward your future financial goals – and have your retirement plan working for you.

Our Personal Retirement Planning experts have worked with hundreds of families and created thousands of financial plans. They’ll help you answer vital questions like these:

  • How much mon...

January 23, 2014

Is your Mortgage Loan with Wells Fargo? If your answer is yes you MUST READ:


Wells Fargo To Sell $39B MSR Portfolio To Ocwen


Ocwen’s servicing segment is set to acquire mortgage servicing rights (MSRs) on a $39 billion portfolio from Wells Fargo, the two companies announced Wednesday. According to the dual releases, the portfolio consists of approximately 184,000 loans and accounts for about 2 percent of Wells Fargo’s total residential servicing portfolio as of the end of 2013. The companies expect t...

January 22, 2014

On January 14, 2014. I attended Mayor Bob Foster’s final State of the City address that recounted successes of his two terms. Foster referred to keeping a 10-year-old child in mind as a “guidepost” for the decisions we all make and how it will affect that child’s future.


That resonated with me. Professionals, lay people, and parents have become very comfortable and complacent with concluding that children who are physically demonstrative, tactile and kinesthetic  and easily distracted require a diagn...

January 19, 2014

Here are the factors that will impact future lending decisions:

  • Beginning this year, lenders will be prohibited from extending mortgages to borrowers who cannot afford it under the Consumer Financial Protection Bureau’s new ability-to-pay rules.



  • Credit scores of less than 640 will fall under the category of “subprime.” Banks making subprime loans would have less legal protection so they presumably won’t make such loans in the future.

  • Banks would have less legal protection to...

January 17, 2014

Anyone who has ever been through a bad breakup, the loss of a loved one, parenting challenges, job struggles, or financial difficulty can tell you that having the prettiest and well-shaped body isn’t what holds you up when times are tough. What does is emotional, mental, and spiritual strength.


Emotional, mental, and spiritual strength are important because they give one greater power to choose how to respond in every situation and therefore make better decisions. I have found that yoga offers tools...

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Ask Marie: That Could Trigger an IRS Audit?

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