Not a lawyer. Not a judge. Not a congressional committee. The Collector(IRS). Every single one. Flagged. Filed. Dated. Indexed to a Social Security number that now sits near the top…
Let me tell you about Ray Calloway. Ray was 65 years old when the letter arrived. It had been forwarded from his old California address — the house he’d sold…
THE PROMISE THIEF A Tax Underworld Story CHAPTER ONE The letter was postmarked six weeks ago. Frank almost missed it. It had gone to the old California address first —…
Quick one today. April 15 is 23 days away. My team handles IRS resolution. That’s our main mission. But we also prepare tax returns for our clients that has past…
There’s a saying in emergency medicine that sounds obvious until you’re standing over someone who’s dying. “Treat what kills first.” Not what hurts most. Not what’s loudest. Not what the…
What does an IRS lien actually do to you? (Most people get this wrong) A guy called me last Tuesday. Let’s call him Ray. Ray had done everything right. He…
Came back from Puerto Rico with something brewing. Felt it the last two days of the trip. Ignored it. Flew home. Told myself I’d sleep it off. That was a…
As I write this email I’m fighting one of the worst colds I’ve had in years. Something I caught in Puerto Rico. Still with me almost a week later. I…
I just got back from Puerto Rico. Took the family out there for a few days. My daughter especially — watching her enjoy herself made every minute worth it. Somewhere…
The government’s own watchdog dropped a bombshell this week. The GAO — that’s the Government Accountability Office, the people whose entire job is to keep federal agencies honest — just…
Last September I put this week on the calendar and locked it shut. No client calls. No strategy sessions. No notifications at midnight. Because my daughter Bella is a Coast…
I want to tell you about a phone call I got this week. We were in El Yunque. That’s the rainforest in Puerto Rico. Dense canopy, humidity you can wear,…
My good friend Vance Morris sent me an article this morning that made me almost choke on my coffee. The FBI Director’s girlfriend is blaming “transgender mice” for his taxpayer-funded…
I need to tell you something important. And I need you to read every word of this letter carefully because what I’m about to share could save you tens of…
On Tuesday I walked off stage from a workshop I gave to a room full of realtors about what’s happening inside the IRS right now. I looked at their faces…
The IRS is a pirate. Stop negotiating. I was just in New London on my East Coast expansion trip, watching my daughter at the Coast Guard Academy. And here’s what…
CaliClaw Exposed: How California’s Tax Beast Hunts Your Paycheck (And How to Fight Back) By Carlos Samaniego, EA – The Tax Debt Detective™ Every week, someone calls my office screaming…
Plus: Help me choose the official goblin for our Tax Underworld There’s a creature living in your paycheck. Goes by “Wage Garnishment Goblin.” And right now, he’s sitting in HR…
In The Godfather, money wasn’t the true currency. It was respect. Solve someone’s problem, and you didn’t just earn payment. You earned loyalty. That’s exactly what happened with a business…
In The Godfather, Don Corleone never begged anyone for respect. He didn’t plead for attention. He solved problems. And people came to him because they knew he could deliver. That’s…
In The Godfather, Don Corleone never chased respect. He earned it. By showing up when families had no one else to turn to. That’s exactly how it works in the…
When the Wage Garnishment Goblin attacks, it’s ugly. He doesn’t just sneak into your paycheck—he rips out 25% before you can buy groceries, pay rent, or cover your kids’ school…
This weekend, I watched my daughter graduate from the U.S. Coast Guard Academy’s Swab Summer. Seven weeks of designed misery—sleepless nights, constant pressure, and physical and mental punishment. Most people…
Writing this from New London, CT. Just completed a podcast with my mentor, Eric Green, and am doing a few videos here in Connecticut. Tomorrow’s the big day, watching my…
The 3½-hour battle that proves the IRS grace period is over I’m flying out to Boston in the morning and driving to New London, CT, to meet with my attorney…
FOR IMMEDIATE RELEASEContact: Carlos Samaniego, EAPhone: 909-521-2212 (Direct)Fax: 909-586-9190Website: NewLondonTaxVet.com He’s Not a Cop… But He Investigates and Solves IRS Crimes Every Day Former Army Medic and Military Dad Brings…
Retirement should be all about shuffleboard, grandkids, and sweet, sweet freedom. But guess what? The IRS didn’t get the memo. They’re still lurking, ready to claw away at your Social…
If you’ve got past-due taxes or recently got smacked with a CERTIFIED MAIL with an IRS Levy Notice (CP504 or Letter 11), what I’m about to tell you could be…
Picture this: Me, shivering my cookies off in “sunny” Orlando, infiltrating a 4-day Tax Rep conference. And boy, did I score some juicy intel about the IRS’s 2025 warfare plans.…
Want to know my biggest regret? It’s not the 8 years I went without filing taxes. It’s the 12 years after that… when I knew I had a problem but…
Quick update from foggy San Diego airport… My son Andrew and I are heading to the 4th Annual Tax Rep Summit at Disney Springs, where I’ll be one of the…
A few years ago, I made a big decision in my life to hire Larry Winget as my business coach. You may know Larry Winget as the no-nonsense “take responsibility…
Just last night, I took my daughter Bella to Halloween Horror Nights at Universal Studios Hollywood. It was a well-deserved reward for her after completing her 7th and final SAT…
It’s Friday afternoon, and we’re wrapping up another busy week of tackling IRS and State Tax issues for our clients. I’m looking forward to unwinding with either a spooky spider…
Well, it’s official… we’re homeless again. As I mentioned yesterday, we stayed in our Mountain Home Village house as long as we could. But the “Line Fire” has exploded—over 26,000…
This morning, I woke up at the Beverly Hills Hotel. Yeah, that Beverly Hills Hotel is where movie stars sip martinis and make million-dollar deals. I’ve been here since Wednesday…
Four years ago, on a scorching Labor Day weekend much like this one, my family and I were knee-deep in the frenzy of a 27-mile garage sale in Mountain Home…
This past Sunday, I found myself in San Diego for an unexpected but deeply meaningful family reunion. Three generations of tax professionals came together—my son, Andrew, my dad, Juan Orona,…
I want to start today’s email with a big congratulations to my daughter, Bella Samaniego, for an incredible Saturday in Palm Springs. Talk about a dedicated student-athlete! We kicked off…
Quick heads-up. Today, four people reached out to me in a panic after getting slapped with an IRS Letter 11. It’s a nasty little letter that can turn your world…
Since last week, we’ve helped 11 people halt the IRS in its tracks, stopping the enforcement juggernaut triggered by the dreaded Letter 11. I won’t lie—I am plain tired. However,…
I just got back from two days of intense discussions with IRS officials and other tax professionals in San Diego, and let me tell you, it was an eye-opener. This…
Let me take you on a quick trip down memory lane—back when Disneyland still used paper tickets for rides. I was just six, clutching those precious “E” tickets. You know,…
Happy Monday! Can you believe it’s already the first workday of June? Time flies, doesn’t it? Now, let’s get down to business. If you’re dealing with unfiled tax returns and…
This morning, I was out on my usual walk along Mill Creek, a beautiful spot less than a hundred yards from my front door. It’s a serene place where Bruno…
As I mentioned in my Monday email, our first day on the New York trip was nothing short of cinematic. We headed to the Merchant Marine Academy because Bella had…
I hope this message finds you in good spirits. Our family on Sunday, just returned from a whirlwind trip to the East Coast with my daughter Bella. We had a…
If you thought horror stories were just for campfires and Halloween, you haven’t met the IRS when you’re on their radar. But before I jump into my story. Now that…
My Segment on Fox News Discussing Last-Minute Tax Tips This past Sunday, I had the opportunity to join Fox News live at 6:45 AM, sharing crucial tax advice as the…
You ever find yourself glued to the TV, heart racing, as Rick and the gang from “The Walking Dead” slice through yet another horde of walkers? Well, last night, as…
Friday, has arrived and I had to answer a question that has been asked 5 times this week from client and prospective clients. “Carlos, will the IRS just forget all…
Just got off the phone with the “CaliClaw” (our little nickname for the California Franchise Tax Board), and I swear, I almost lost my breakfast. The story I have for…
Carlos Samaniego, EA and Renowned NATP Fellow, Achieves Prestigious MSCTA Certification, Elevating Tax Advisory to New Heights Redlands, CA – March 12, 2024 – In an impressive display of commitment…
What a whirlwind 48 hours it’s been! Between the flurry of phone calls and the flood of emails in response to the IRS unleashing their special “certified” notices on clients…
Hope you’re gearing up for a cozy weekend. After the avalanche of calls this week about new clients facing bank levies, wage garnishments, and the ever-dreaded IRS notices, it’s fair…
Grab a cup of your favorite brew and park yourself for a sec. I’ve got a tale that’s both a heart-warmer and a cold splash of reality all rolled into…
Picture this: Waking up to a world blanketed in snow so unexpectedly makes you stop and stare. That’s how my day started. Bruno, my trusty four-legged sidekick, Bella and Liz,…
Redlands, California- JANUARY 3, 2024– Tax expert and Founder of Tax Debt Consultants, LLC, Carlos Samaniego, EA, is thrilled to announce the launch of his brand-new podcast series, “Carlos’ Blend:…
Yesterday, I spent a beautiful, crisp day at one of my favorite places – Universal Studios. As a big movie fan, there’s something magical about being in the heart of…
Yesterday ,we paddle through the seventh day of our 12 Days of Christmas Tax Resolution journey, I’ve got a tale to share, fresh from the swanky world of tax resolution.…
As I sit down to type this email to you, it’s been a rough 13 days battling a pesky cold. It’s funny how the years seem to catch up with…
As I write this, I’m on day seven of a relentless cold that’s made this holiday weekend more of a convalescence than a celebration. While I’ve been sidelined next to…
Aloha! Our Hawaiian journey is more than just a scenic escape; it’s a fusion of strategic meetings and awe-inspiring experiences. Yesterday, amidst the tropical backdrop, our day began with a…
I’m writing to you once more from the scenic shores of Hawaii, continuing the story I began in yesterday’s email. Just when you think life in this paradise couldn’t get…
As I sit here in a Hawaiian coffee shop since the crack of dawn, gazing at the stunning, aqua blue ocean, the intoxicating ocean breeze compels me to share some…
Hello from sunny Orlando, Florida! I’m currently here, immersing myself in knowledge and insights from some of the top tax professionals in the country. It’s an incredible experience, learning and…
On this eerie Halloween night, I’m drawn back to a chilling memory, one that still haunts me, something that’s not easy to talk about. It’s about the day my mom…
This morning, I found myself waking up in the gorgeous paradise of Sarasota, Florida after my redeye flight from Ontario, California, and let me tell you, the vibes here are…
We are getting read closed up shop to catch my daughter’s volleyball match in Santa Clarita. I wanted to share a story that happened this morning. I promise it’s more…
As I sit down to write this, the glint of the sun on my recently awarded Quilly Award from The National Academy of Best-Selling Authors captures my attention. I…
I hope your enjoying your holiday weekend and spending it time with the ones you love and cherish. Today, I want to share a story that underscores the power…
Man, today has been one for the books. I learned I became a best-selling author on my new book co-authored with Dick Vitale. Which was awesome to hear.…
Imagine this: a room buzzing with energy, and nervousness, lights meticulously placed, cameras at the ready, capturing not just a story but a mission. That was us, just…
Hey there, A massive milestone recently hit my family – my daughter passed her driving test! It’s a rite of passage, right? But as Bella danced with excitement…
First and foremost, I need to share something personal. Last night, we faced the fierce wrath of Hurricane/Tropical Storm Hillary. It was an unforgettable night of relentless…
In the quiet enclave of Mountain Home Village, stories and legends often took root amidst its residents. But none was as compelling as the tale of Bruno, “The Watchful Guardian,”…
As I write this, looking out my window and watching the big oak trees and pine trees swinging back and forth. Hurricane Hillary is starting to make her presence felt.…
Happy Friday! I was about to join a call with my friend, Tax Attorney Eric Green, and some other top tax resolution experts when I saw a Facebook comment…
This beautiful Thursday morning, I left extra early from home to take Bella to school and to make a visit to visit my mom before heading into the office. …
I have some news to share about the email I got yesterday, right before I left for Bella’s first high school volleyball game. They started the year with a…
Hope this note finds you dry and safe, especially if you’re here in sunny southern California. Yep, while most of you signed up for tips to ward off IRS…
It’s a piece of ancient wisdom that keeps proving itself true, even in our digital age. Have you heard the saying, “Pride comes before a fall?” I am here with…
Have you heard the saying, “Pride comes before a fall?” It’s a piece of ancient wisdom that keeps proving itself true, even in our digital age. I am…
Greetings From San Diego. I am writing this email on my son and daughter-in-law’s back patio overlooking the hills of San Diego. Absolutely gorgeous! We celebrated my son’s 27th…
So yesterday, I get home from the office, and there was a small postcard in the mail address to me. It said this was a reminder that I had…
I wanted to take a moment to share something truly awe-inspiring with you, something that perfectly encapsulates the feeling of conquering challenges and gaining a fresh perspective. This is fresh…
Are you tired of those looming IRS tax problems keeping you up at night? Well, I decided to travel to Windy City during the 4th of July weekend, I have…
California business owners! A storm is brewing, and you need to be prepared. I just heard about the news that will make you squirm. For years, I have told my…
I wanted to share with you an episode of the Carlos Samaniego Tax Debt Consultant podcast; we are going to discuss the Franchise Tax Board and how to avoid common…
Are you struggling with tax problems and want to buy a house? Well, you’re not alone. In our latest episode, Carlos Samaniego, the host of a tax debt consultant podcast…
I am thrilled beyond measure to share some incredibly exciting news with you. It is with overwhelming gratitude and a mix of awe and humility that I announce the inclusion…
I’ve got some heart-stopping news that’ll send shivers down your spine and even scared got me so worried; we added more people to my team. As you may know,…
Taxes are a daunting task for many people, but for those who are self-employed and not filing their taxes, it can be an utter nightmare. I know personally because I…
As you know, club volleyball can get pretty expensive, especially considering travel, equipment, and club fees. I have seen some club’s cost can be anywhere from $2500-$10K+ depending on your…
IRS garnishment is a process that allows the Internal Revenue Service (IRS) to take money directly from your paycheck in order to settle unpaid taxes. Wage garnishment is a serious…
You’ve worked hard all year and now you finally have the chance to take that dream vacation overseas. But what if your tax debt stands in the way of realizing…
Just in time for the holidays, IRS has given taxpayers a gift – they’ve kicked their 1099-K reporting threshold up to $600! But don’t let this news lead you astray…
The IRS is coming for you! Well, not really. But they are definitely ramping up their audits and collections efforts. And if you haven’t been filing your tax returns or…
As a small business owner, taxes are an inescapable part of your life. While you may be aware of the need to pay taxes, one area many business owners overlook…
FTB Taxpayer’s Guide to Avoiding Bank Levies and Wage Garnishment: A Practical Handbook for Surviving California Franchise Tax Board Issues The California Franchise Tax Board (FTB) is a government agency…
The IRS has various collection tools at their disposal when it comes to collecting on unpaid taxes. One such tool is to send a taxpayer’s case to a private debt…
Last week I had the opportunity to travel to Beverly Hills to be interviewed by Hollywood live It was such an honor to work with Emmy Award-winning director Nick Nanton…
The Inflation Reduction Act was proposed by the Biden administration as a way to combat rising inflation. However, many experts are concerned that the bill’s tax reform provisions will result…
So what does a Volleyball dad do on Friday night? Normally this dad is spending the evening with his wife and daughter (maybe the daughter is a teenager) and just…
Did you know that the IRS can garnish your wages if you owe them money? It’s true. If you’re one of the unfortunate few who find yourself in this situation,…
Are you a non-filer? Do you know what that means? It means that you have not filed a federal income tax return for a given year, even if you were…
I’m going to talk about what to do when you get an IRS letter in the mail. This can be a really scary experience, but don’t worry, I’m going to…
It isn’t easy to make predictions, especially about the future. But there is one prediction we’re confident in making: you will have substantial out-of-pocket expenses for health care after you…
Tax law has an amazing break for unconventional homeowners. You can deduct your mortgage interest payments even when the deed to the house and the mortgage are in someone else’s…
You have heard the horror stories about mail sent to the IRS that remains unanswered for months. Reportedly, the IRS has mountains of unanswered mail pieces in storage trailers, waiting…
Working at a tender age is an American tradition. What isn’t so traditional is the notion of kids contributing to their own IRA, especially a Roth IRA. But it should…
IRS warns of messy tax filing season – iHeart’s Talk Radio WIOD Miami asked Carlos Samaniego to come on the air and discuss. 🎙 Carlos is the founder of…
Are you getting married soon? How much do you know about your soon to be spouse? This is embarrassing, but true. When I got married to my beautiful wife, you…
Imagine this: • Tax deduction for you • Tax-free income for Mom and Dad It doesn’t have to be Mom and Dad. The tax-free income can go to your brother…
The IRS is serious about tax evasion. You may have been putting off filing your taxes because you thought it wasn’t necessary, but the IRS will not hesitate to penalize…
Not every day is a good day to be in business. The taxes we have been dealing with for years can make it difficult and stressful, but there are ways…
You don’t have to be a victim anymore.This morning I got this message you see above. This taxpayer had $5618.49 withdrawn from his bank account.How is he supposed to live…
In our files, we show that you have a self-employed business that you file on Schedule C of your Form 1040. As you likely know, in times of economic…
Now that most tax refunds are deposited directly into taxpayers’ bank accounts, the dream of opening your mailbox and finding an IRS refund check is all but a thing of…
The PayPal loophole is going away in a little over six months from now. You may remember the strategy where you can avoid giving 1099s to contractors and vendors when…
It’s time to take some kind of action. You’ve been cooped up from COVID, you’ve had to deal with downsizing, layoffs, “essential workers” (or the lack thereof), and, quite frankly,…
True confession: every time a client calls or emails me with those faithful words “I’m being audited!” I cringe a little. Not because I’m afraid of the IRS, or even…
I want to ask you to think about something you might not have considered in a long time: Do you like the work you do? Before you answer, re-read that…
One of the biggest challenges we’ve seen in the last year of COVID-based lockdowns has been with kids and virtual classrooms. Dual income parents who were furloughed or working from…
To tell the truth, I should have penned this email months ago, but time and tax season simply got away from me and the team. Today, I want to talk…
It is ABSOLUTELY no fun to see that envelope from the IRS in your mail, and when you open it to find they have decided to audit your return, it’s…
Whether you claim a business office in the home or are simply working at home, say because of COVID-19, you likely have some former personal assets that you now use…
You know that long list of ways that the coronavirus has affected our lives? Well, here’s another one. The Internal Revenue Service has completely flipped a switch on its priorities,…
In this month’s Issue of my Cashflowaire newsletter, I wrote about protecting the purchasing power of your savings. This article highlights the massive amount of money printing and possible implications. …
Here’s good news: the properly used business vacation home or condo does not suffer from the vacation-home rules, the passive-loss rules, or the entertainment-facility rules. In these days of COVID-19,…
Due to the COVID-19 pandemic, the IRS has gradually postponed necessary tax filing and payment deadlines. Now, the IRS has issued new guidance postponing almost all tax-related actions over the…
Get ready for this: “I’m from the government, and I’m here to help.” Here’s the deal: “I’m going to give you $20,833 today. I want you to give me $5,448…
For the last couple of years, I have been watching a Youtube Channel called Trout and Coffee. There something so relaxing and stressfree about watching these videos. I wake up…
“The new IRS People First Initiative provides immediate relief to help people facing uncertainty over taxes,” Rettig added “We are temporarily adjusting our processes to help people and businesses during these uncertain times. See…
The IRS has provided clarity on the capital gains component of the Section 199A tax deduction.
If you don’t understand the right definition of a salary, keep reading to find out everything there is to know.
Investing strategies are like food diets: The best strategy is the one that works best for you.
Here are the top saving strategies you can use if you want to save in an easy and relaxed way
Here is everything you need to know about how to sort out your retirement plan.
If your 401(k) has been on autopilot for months, take time now to give your retirement account its annual checkup—while you still have time before the end of the year…
What to do in case your identity gets stolen? Here are all the answers you need.
Here are two ways to possibly reduce taxes in retirement while extending the life of your nest egg by being smart about which accounts you tap first.
Start your retirement planning, which is in fact cash flow planning.
Now is the time to sit down with your significant other and map out your financial plan for the year.
Your year-end tax planning doesn’t have to be hard. I have outlined below five strategies that will increase your tax deductions or reduce your taxable income so that Uncle Sam…
It’s time to examine your existing cars, SUVs, trucks, and vans for some profitable year-end business tax deductions. Your first step is to identify your gain or loss on sale.…
Here are five year-end tax-deduction strategies that apply if you are getting married or divorced, have children who did or could work in your business, and/or have situations where you…
As hard as it is to believe that December is here and 2018 is nearly over, it’s the truth. For a lot of families, the news on the new tax…
No matter what you do for a living, all of us have some sort of “retirement” plan in our minds. It might be part-time consulting in your field for a…
Most every entrepreneur I’ve ever worked with has the challenge of always wanting to build the next thing and sometimes neglecting to follow up on the current business. But are…
If you’ve ever spoken to a financial planner, he or she may discuss the topic of mental accounting. Most of us manage our budgets this way: We already know where…
In other words, how much do you need to retire comfortably? By now, you’ve likely heard the conventional wisdom: that you should aim to have a nest egg of $1 million to…
The “power of positive thinking” is a popular concept, and sometimes it can feel a little cliché. But the physical and mental benefits of positive thinking have been demonstrated by multiple scientific…
That story about a woman who returned a Christmas tree to Costco on Jan. 4 “because it [was] dead” – and got a full refund – sure got people talking. Costco gave…
You won’t get a Section 199A tax deduction for your cannabis business. But some of the other tax reform changes may make the C corporation a more attractive choice of…
Carlos Samaniego, EA, Earned Elite Tax Fellow Designation Redlands, CA – November 09, 2018. Juan Carlos Samaniego, EA, has earned the prestigious Fellow designation from the National Association of Enrolled…
Now that Dia de la Muerto’s is over a famous Mexican holiday that we had the pleasure of celebrating this years. I had a couple friends ask me about their…
In our experience, most small businesses don’t have nearly enough cash reserves in case of a significant economic downturn or other disruption. A J.P. Morgan report from 2016 seems to…
Taxes remain the top headache for small business owners in Redlands,California, according to Capital One’s Small Business Growth Index. Among those surveyed, 47 percent say taxes are a major worry this…
I represent taxpayers every day in California. Sitting in my office in Redlands, I review financials with taxpayers who have just filed multiple years of federal tax returns and want to compromise their tax debt. When I ask…
You probably think you can’t take money out of your IRAs before age 59 1/2 unless you meet a narrow exception to the unpleasant 10 percent penalty on early distributions.…
Here we are, in the middle of football season, and no matter if you love the sport, hate the sport, or fall somewhere in the middle, there’s no denying one…
Will your taxes increase under the new tax code? Learn just some of the sweeping changes to the tax code will impact your 2018 tax bill! Call Carlos at 909-570=1103
This month, we’ve spent a lot of time looking at ways to put more money back in your pocket or to keep more money in your pocket. Everybody wants that,…
Here we are, in the middle of football season, and no matter if you love the sport, hate the sport, or fall somewhere in the middle, there’s no denying one…
There’s a ton of information – most of it wrong – available about how your credit score is calculated and – even worse – how it is impacted by you…
Much has been written about the struggles business owners face to get paid on time, and how to get clients who are dragging their feet to pay up. Clients stalling…
There’s about one month left in Summer 2018, plenty of time before school shopping or – Heaven forbid – Christmas – to do a little “financial cleansing”. Why? Every once…
Here we are, past the halfway mark of 2018 and guess what? If you’re like a lot of companies I’ve been talking to, you’ve spent too much already this year.…
This month, we’ve spent a lot of time developing the ideas of entrepreneurship versus small business ownership and I wanted to ask you to play a little game with me…
If there’s one thing that we’ve learned from tax season, it’s that every year, we see first-time filers struggling with software, tax codes, and sifting through paperwork they aren’t sure…
Now that we’ve made it past April 15th, accountants and business owners all over the country are breathing a collective sigh of relief. One thing we run into every year,…
This month’s newsletter took a deep dive into the new “gig” focused economy that many “regular” wage earners are playing a role in with side jobs in companies like Uber,…
There’s a veritable gold mine for companies that study and collate information about small business owners and entrepreneurs. After all, every one of them is a likely source of either…
Companies long ago mastered the idea of “giving back” for a lot of reasons – some based on tax benefits and some on completely altruistic grounds. In many cases, the…
No matter how you slice it, if you’re a C or an S corporation, March 15 is the end of your year. We’ve been over this time and again, but…
Well, we’re really done to the last month before Tax Day and for a few of you, you are still playing Hamlet about filing. Don’t make it harder than it…
An interesting thing happened a few weeks ago when a friend of mine started having the inside of his house painted. He met with the painter who walked him and…
Happy New Year! Every year, about this time, me and the team field call after call that starts with something like “…I forgot to ask you…” Fear not! We’ve been…
Happy New Year! So here we are, another year older and presumably another year wiser. Undoubtedly, you’ve made a list of resolutions that might look suspiciously like last year’s –…
Thank you to TaxMama for this update.”..One major 2018 issue that really needs to change is the loss of the deduction for casualty and theft losses. For instance, if you…
The Internal Revenue Service announced today that the nation’s tax season will begin Monday, Jan. 29, 2018 and reminded taxpayers claiming certain tax credits that refunds won’t be available before…
It is January 1st: If you deduct your mileage, take a picture of your odometer today. The IRS requires contemporaneous proof and a photo of starting mileage for the year…
Happy New Year! As we recover from the collective hangover that was 2017 and look forward to 2018, a lot of new contractors began working in 2017. With the advent…
This morning I spent a few hours doing some tax training for County of San Bernardino to discuss Affordable Care Act, Covered California, and IRS. I got to share some…
Yesterday, I attended an event by Covered California where some top officials flew in from Sacramento to have a discussion about Covered California and current updates, concerns, tips for the…
Yes, if you got premium tax credits for 2014, you have to file a federal tax return. Even if you have never filed before, starting in 2014 if you got tax credits…
Lots of people may not realize they got premium tax credits. If you applied when you enrolled, you don’t actually “get” the tax credit every month. The IRS pays your premium tax credit directly…
It’s hard to believe that the tax return filing season is just a couple of weeks away. While some of our clients are unable to complete their return until later…
Employer-provided health benefits are changing in America, especially for small businesses. Group healthcare costs continue to rise. Annual premiums for group policies have increased over 180 percent in the last…
HSAs can be used to lower your MAGI and qualify for better cost assistance on the Health Insurance Marketplace, this makes high deductible Silver plans very attractive. We highly recommend using…
Christmas is just a few days away and I know all of us are running around with a million things to do before Christmas. However, if you recently got insurance through…
Frequent readers are familiar with the fact that many analysts believe health-care reform will drive businesses to drop medical benefits for their employees. The argument is that it will be…
Every day I hear small business owners, entrepreneurs, and free-lancers ask, “are health insurance premiums tax deductible?” The rules about when health insurance premiums are tax deductible can be confusing.…
California’s health insurance exchange extended its deadline for consumers who want Obamacare coverage in effect beginning Jan. 1. Peter Lee, executive director of Covered California, said people who start the…
By Tom Kisken, Ventura County Star, Calif. Tribune Content Agency Dec. 07–Covered California’s first deadline falls at the stroke of midnight Dec. 15. People who meet the cutoff and enroll…
Your Annual Out-of-Pocket Maximum – The Maximum Amount You Will Pay Each Year Your annual out-of-pocket maximum is the absolute maximum amount of money you will pay for covered services during…
Over the next few weeks we will go over “The Basics” terms in insurance. So you will have the ability to shop and compare different options, especially when getting new health…
Social Security recipients will receive 1.7 percent bigger checks in 2015, the Social Security Administration announced last week. And some groups of workers will begin receiving benefit statements in the…
This Saturday is the start of open enrollment for Covered California Healthcare Coverage. If you need health insurance and/or have any questions please feel to call me at 909-570-1103. Don’t…
I have been getting quite a bit of questions about how does the tax credit work with ACA/Covered California? I found this great short video that explains it. If you…
WASHINGTON, D.C. (NOVEMBER 10, 2014) BY JEFF STIMPSON The IRS is reminding tax professionals and taxpayers that procedures kick in this January to limit to three the number of refunds electronically…
IRS releases rates… See article at: http://www.forbes.com/sites/kellyphillipserb/2014/10/30/irs-announces-2015-tax-brackets-standard-deduction-amounts-and-more/
I think the appeals court got it right, article is below. I believe that PRA and other “debt” buyers are committing fraud. Oh, and so are the creditors that sell…
Will government regulation improve or hinder how the state implements the Affordable Care Act? October 28, 2014 Jesy Odio Politics What it’s all about: The Affordable Care Act instituted Covered…
It’s time to renew your health coverage. Give us call today if you need assistance with renewal or like to make a change. Carlos SACRAMENTO, California — The state’s…
As a tax advisor, we know that having a home-based business is excellent tool not only for saving on taxes, but for the potential to dramatically increase your income to help…
Every year, millions of americans look forward to their tax refunds to go on vacation, pay some bills, make large purchases for the home, however, this year that will all…
There have been many people that have told me, “…I am not affected by Affordable Care Act(Obamcare), because I have health insurance from my job.” However, the trend we are…
At Risk of Losing or Having to Pay Back Health Insurance Subsidies from Affordable Care Act By STEPHANIE ARMOUR Updated Sept. 29, 2014 9:26 p.m. ET Americans in the hundreds of…
This is some great information in this Wall Street Journal article. Remember you have choices when it comes to Medicare. Give me a call just to make sure there are…
Somehow, the most shocking thing about the indictment of Michael Sorrentino for tax fraud is not that the “Jersey Shore” star may have been less than punctilious about paying the…
The IRS just released a new publication designed to simplify the information about the Affordable Health Care Act (ACA). Pub 5172 is one page long. Take a look at it.…
The penalty for not having insurance will, at minimum, double. Lastly, if you choose not to purchase health insurance in 2015 be prepared to open up your wallet significantly wider…
Warning: This is an urgent message about two major scam alerts that is coming from the IRS. They scams are coming via email and telephone. Today I want to talk…
Did you know that you’ll automatically enroll in the same plan unless you do something about it. Here’s something I’d venture a guess you probably didn’t know: If you don’t…
The first big change that you may or may not be aware of is that the open enrollment date is much later this year than it was last year. If…
If you have health insurance, you don’t have to worry about paying a penalty. If you don’t have coverage for 3 or more months in 2014, you may be subject…
At renewal time this year, many small businesses will face sticker shock at the new rate hikes for group health insurance in 2015. Many small businesses are seeking cost-mitigation strategies…
Getty Images Up to 115,000 people stand to lose Obamacare health insurance coverage by Sept. 30, and another 336,000 people are at risk of losing federal subsidies to pay for…
The Affordable Care Act establishes state marketplaces, where individuals and small businesses can shop for health insurance on the Internet, in person or by phone. These marketplaces will help make…
As an entrepreneur and small business owner for most of my life. I understand the challenges involved with being self-employed. The new ACA (Obamacare) has called a whole new challenge…
WASHINGTON — Taxes? Who wants to think about taxes around Labor Day? But if you depend on your tax refund and you’re one of the millions of Americans getting tax…
The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility…
My son has been gone to US Naval Academy Prep School for two months. We are extremely proud of him and just want to be a pillar of support and…
This morning I was reading an article from one of my favorite blogs: Early Retirement Extreme. I thought you would enjoy it. Don’t wear sunscreen Published on August 4th,…
Andrew officially enlisted in the United States Navy and is now attending the US Naval Academy Prep School program in Newport, Rhode Island. He will attend a 3 week military indoctrination…
Today, Andrew "The Eagle" Samaniego, reported for duty at the United States Naval Academy Preparatory School at the Naval Station in Newport, Rhode Island. To say how proud I am…
Getting ready for my Prosperity Study Group at Unity of Yucaipa. Come join us for this great event. We meet at 12 noon on the 1st and 3rd Thursday of…
Our military has some amazing men and woman with some unbelievable skills.
My Dad, Juan Orona, came down from Washington to come to Andrews, graduation/birthday/going-away-party. We decided to go to Oak Glen which is right up the road from our home. Here…
My son, Andrew graduated from Yucaipa High School this week. I am so proud of this young man. I am looking forward to where life is taking him. Next stop…
This past sunday, I had to honor and previlege to have my son, Andrew, baptised at Unity of Yucaipa. It was a beautiful ceremony. His Godparents were our minister Rev.…
If you want to beat debt and build wealth, you have to break the cycle. #DaveDaily http://daveramsey.com/blog
We as a family lost a family member yesterday. His name was "King." He was German Sheppard/Roti mix and was one of the most gentle dogs you could ever meet.…
This past holiday weekend we had the opportunity to go on a family trip to the Grand Canyon with Redlands Boy Scout Troop 11. It was the very first time…
My son received his "Big Fat Envelope" on Valentines day. He will be attending the United States Naval Academy as part of class 2019 upon completion of prep program.. He received a letter from Dean…
Over the last few months, I have been completed fascinated by "tiny houses." Maybe it's the minimalistic side of me not wanting a lot or even having to maintain a big…
My son spoke at the California Inland Empire Council’s Annual Volunteer Recognition Dinner last night the Moreno Vally Conference and Recreation Center he did amazing job and was given a standing…
I truly love feel good videos like this….
Have you ever questioned yourself if you have what it takes to do your home business? Have you ever questioned the products you promote or the leadership of the company…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
6 Stages of Facebook Envy Facebook envy. There aren’t any forms of positive envy, but Facebook envy might be the worst. What is it? As we explained in our article earlier this year ,…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took…
Have you ever felt like you were trapped? Trapped in the corporate cubicle…trapped in a job you may not enjoy…trapped doing something that consumes your life and is not getting…
So many people these days have turned to the Internet to make extra or full time income, myself included. To many people it's a new concept but hundreds of thousands…
Have you ever wondered why certain people just seam to attract success in their lives? Not just financial but all so many other areas such emotional, spiritual and just genuine…
Do you have a mortgage or rent payment? Most of us do. I'm sure the favorite part of your month is making that monthly payment right? Ya right! Doesn't it…
Last week, my son Andrew Samaniego received a phone from the City of Yucaipa. "We would like you to come to our City Council meeting on Monday and please wear your…
When you were a kid did you ever have a lemonade stand? Did you ever sell candy to the neighbors or at school to make a few bucks? Not…
If you have been watching any of the new channels the last few days, I'm sure you heard about the world record that long-time swimmer Diana Nyad just broke…
↵ Earlier today, my business partner Joel Peterson posted a great video on how he is not only earning $1000 a month, but over 10 times that amount every month…
Julies Dervaes, grow over 6,000 pounds of food on his property in Pasadena California. He call's it the, "Path to Freedom.." I watched this amazing video that sums up his…
Today I wanted to share with you some blog training. This video is intended for those using the Simple Money Simple and are involved in the Pure Leverage Business. If…
Earlier today our family received a phone call that my grandfather (my mom's dad)Pata Lupe made his transition to heaven in his sleep. He was 96 years young and truly amazing…
If you've have ever entertained the idea of …(1)working from home, (2) starting your own internet business, (3) learning new skills, (4) and wanted to be mentored by someone who is…
Do you have a WHY? Many people get this confused with wanting to earn a lot of money in their business. In reality though money is usually not a strong…
Feeling the Challenges of Financial Stress I remember a few years back, when I first started online. I became a friend and business partners I met through the internet shared…
A few minutes ago, I received an email from a very trusted internet expert I follow and wanted to share that email with you immediately. I have seen way to many…
This morning was reading an article that listed 20 Things The Rich Do Everyday. It was an eye opening read I highly recommend heading over to Tom Corley website to…
This morning we had a chance to go on 8 mile training hike to Mazanita Peak up in the San Bernardino National Forest. We are only two weeks away from our…
I just started re-reading an classic prosperity book, by Unity Minister, "Dare To Prosper." I read this book many years ago, but since our minister at Unity of Yucaipa is…
The 4th of July is tomorrow and wanted to wish everyone a very Happy 4th of July. I wanted to share a beautiful video that will bring tear to your…
Below is True story from my friend Joe, who lives out in San Antonio." Blessings, Carlos ____________________ True story.. I could not believe my 14 year old daughter said this…
"Daddy, what is a job?" Bella asked. I almost found it funny when she asked me the question. I asked her , "Why do you ask?" She said that her friends in…
Do you ever have the Sunday blues? I never really had those blues, you know when your super excited about the weekend on Friday then on Sunday your just completed…
It's been a busy few weeks with the end of school and beginning of summer, all you parents probably totally understand where I am coming from in regards to time. A couple weeks ago just before the end of the school. One of the big accomplishment we are proud of Andrew for was his final push to get straight A's for his Spring semester of his Junior year. He wanted a 4.0. Originally he didn't think it would happen, and he did it. He pulled out the last week of school. We then watched our daughter Bella graduate from Kindergarten and now is a 1st grader. It was the cutest thing watching them get their "magic hugs" from their school teacher that turned them into a 1st grader. With the end school, we got Andrew off to the first of his many trips this summer. His first stop was The…
This morning I read the tragic news of the untimely passing a great actor, James Gandolfini. I like many of you just knew of him through his acting, and he…
Here are three secrets to making an online business pay you more than you have ever made before. Check It Out! 1. You need a way to create buyers effortlessly,…
About 4 years ago, I was looking for a spiritual home for not only myself, but for my family. A place I can truly be moved spiritually. I wanted my children…
My daughter Bella the other day asked me, "Daddy what kind work do you do on computer?" I told her, "I help people make money with their computer." She said,…
Today I had a chance to complete the longest one day hike I have ever personally ever accomplished we went to Mazanita Peak in the San Bernardino County wilderness area. …
↵ I am getting ready to go on 8 mile training hike tomorrow to Manzanita Peak in the San Bernardino Mountains. But I was thinking about those of you that…
I watched this amazing 6-minute video today and loved the message that Eric Worre gave today. It is a message we all need to hear. How to create true finanicail…
I know that's a weird concept. How on EARTH could a home based business be ANYTHING like scuba diving? Well check it out: If you were to pick up scuba…
The other day I was watching Super Soul Sunday on the OWN Network. I was truly blessed to see Thich Nhat Hanh (Vietnamese Zen Buddhist Monk, teacher, author, poet, and…
Last Saturday, we went on a training hike with our Boy Scout Troop 11 family. We decided to climb to the peak of the Crafton Hills Mountain, which is located…
Today was our first class of our, "Think and Grow Rich" Book Study. I first read this book back in 80's and then I re-read this book back in early…
Today I read part of this wonderful sermon by the Pope. I know there will be many people that may not agree with him because of 'their" beliefs. I love…
Think and Grow Rich, book study start tomorrow morning at 9:30am until 11:00am. What a perfect time to re-read this classic book by Napoleon Hill. Earlier today I was listening…
Yesterday, I was speaking with a friend and he asked what is Empower Network a project I recently added to my business. Empower Network was created and…
This is a weekend I will remember there rest of my life. It gave me a deeper meaning of the word "FAMILY." Many us when we here the words family…
Just over a month ago I planted my square foot garden along with my daughters, Bella, square foot garden. Just wanted to share with you some pictures on the garden…
This great short video by Mark Yarnell he discussed the great book, The Emperor Handbook, why most people are stopped their goals and dreams by "impression management?" Have you made…
Yesterday, I was talking with one of my fellow Toastmaster members at my Entrepreneur Toastmaster club. She had just joined our club, and I need to speak with her in regards…
The urgency of communication becomes greatly exaggerated. In a world where information is easily accessible and interpersonal relationships are always available, the urgency of communication begins to accelerate. Just because…
One of the biggest joy's of my life is teaching my kids Andrew and Bella how to Square foot garden. Last year was the first year we ever tried this…
Prosperity :00 AS I APPRECIATE MY GOOD, IT EXPANDS. Magnets attract metal. When one holds a magnet over a collection of items, only those with metallic properties will…
“Got to go on adventure of lifetime with my son and his Boy Scout Troop 11. Canoing down the Colorado River over 25 miles from starting at the base of…
I just heard I was nominated by my school for the American Legion Boy's State program. Being nominated is a huge honor. The nominated Students from Yucaipa High School will…
I wanted to again thanks the Mayor of Yucaipa Denise Hoyt, Redlands City Councilman and Former Troop 11 Scoutmaster, family and friends for joining me on this special day. …
“The culmination of Andrew Scouting Journey to Eagle Scout was celebrated at @[166268742638:274:Unity of Yucaipa]. Family, Friends, and Scouting family enjoying this patriotic celebration. Special Guest Mayor Denise Hoyt, Redlands…
As a father we all love to brag about our kids and today, I wanted to brag about my son’s recent new website launch. AndrewSamaniego.com. He started the project a…
If you’re in the stage of your life where you’re looking at going to college, or you’re a parent encouraging your kids to apply to universities, or maybe you’ve already…
Here we are in the middle of holiday season and on television every holiday movie that has come out is being played classics such as Charlie Brown Christmas, Frost The…
On what advice he’d give to young folks: “Youth shouldn’t be clouded by any chemical or anything. Somebody my age can easily know that too, but youth is too wonderful…
Are you having a tough time finding job? Not finding the job you really want? There is huge Shift happening. A Revolution! This is must watch video, fast forward to…
Today I am celebrating seven years of marriage to my amazing wife, Elizabeth. I am amazed how time fly’s it seem like only yesterday when awoke on beautiful November day…
One of the most important things to check as you age is your blood pressure. A couple weeks ago I had a physcial and the doctor told me he wanted…
Today Veterans Day was a day of recollecting those that have served our country and currently serve our country. It’s amazing how many people in my family have serve our…
I stayed up pretty late last night watching the Presidential elections on CNN, probably like most of the country and finally around 10:00 pm or so…. CNN annouced that President,…
Does Mediation really work? That has been a huge question I have been asking myself for months. I have heard of meditation for years but never really looked into much…
Today is very special day. Last night, I watched a young confident and intelligent young man my Son, Andrew, go to Eagle Board of Review. The Eagle Board of Review…
One of my favorite YouTube movies and most informative thing I have seen about how the Federal Reserve system works. It made such a impact with my son at Andrew…
My favorite prayer and probably most powerful prayer, it is also the simplest to remember: “Thank you, God!” Never mind if it doesn’t make sense to do it. It doesn’t…
This is great commentary from my good friend and mentor, Tom “Big Al” Schrieter at Fortunenow.com He analizes which is better: Prison vs Work Ever wonder why people with jobs…
I was reading a great article by blogger, Sean Ogle at Location180.com Talking about the mistakes that soloentrepeneurs have working on their business. It was eye opener know that I…
Well, that is not the whole truth. However, I did ask her if he would slap me if she caught me checking Facebook. Now why in the world do I…
Earlier this afternoon, Richard Brooke share this great video, to a a response by someone earlier this months that said, “Hey Mr. President how you gunna help me get a…
For the last 3 weeks, I have been attending a book study at Unity of Yucaipa. We been discussing the book, “The Untethered Soul: By Michael Singer. One of my…
Group lauds Cook’s leadership and patriotism. Published: Tuesday, October 16, 2012 4:21 PM PDT YUCCA VALLEY – The National Vietnam & Gulf War Veterans Coalition announced its endorsement of Colonel…
Many of you may not know. I am a huge fan of independent documentaries. One of reasons I love netflixx so much is the ability to see so many independent…
This last week was a very busy weekend for me and our entire family. First we had to get Andrew over for his 1st college entrance pre-exam, the PSAT over…
Last year, I happen to watch about 6 episodes of the HBO series, Boardwalk Empire. I was amazed at the story telling and visual style of some criminal elements during…
What is that? A Varsity letter in Academics. I had never heard of such a thing! But I believe that is good thing, actually now I know that is good…
Earlier today our entire family for our 4th year joined the Scouting for Food event here in Redlands. It is one of my favorite volunteer event’s we do every year.…
All week, I been working on this post trying to figure out how to put into words how proud I have felt about my son’s accomplishment this last weekend. As…
One of my favorate prayers is the “Power of Protection.” below The light of God surrounds us;The love of God enfolds us;The power of God protects us;The presence of God…
This is the week that Andrew, my 16 year old son (for you new readers) start’s is actual “Eagle Project”. So your asking what is an Eagle Project on his…
Who do you want to be? Who am I? These are questions I think everyone of us ask ask ourselves daily and many have asked all our lives, Of of…
As I was reading Sean site I noticed this great article, alot of my readers would love. “How to make and Extra $1000 in a month.” How can you not…
http://www.soultravelers3.com/2012/09/do-you-have-to-be-rich-like-suri-cruise…
Sell your stuff! Life is not about collecting more stuff, but collecting beautiful experiences! Collect rich experience, not be about what you own! Listen to great talk by Adam…
First Pair of Glasses. This afternoon was a very special and emotional day. We took Bella to the eye doctor to get her first ever pair of glasses. She was…
Wells of Abundance At the root of must human difficulty lies the eternal problem of supply. The accents called all imperfection a matter of “under-hourshment.” The law “gives and it…
Lessons from a Multimillionaire Mark @ Toastmasters Today during Toastmaster we had a guest that came in and shared his story. He shared with our Entrepeneur Toastmasters group me he…
Over 15 years ago my good friend Art Jonak recommended a book to me called, “Dynamic Laws of Prosperity” by Catherine Ponder. This book change my life and directly led…
Too many people are feeling quite a squeeze on their finances with job loss or pay reductions, divorce and other factors that affect their income. Some of the worst things…
Yesterday, it was over 106 degrees in town, even with AC on the house was warm, so we decided to head over to a “Cool Zone” Border Bookstore in Redlands,…
“Three Local Yucaipa Students Survives The Hardest 10 Days in their life – The Marine Corp. Devil Pup Program!” On July 28, 2012, at Marine Corp Base Camp Pendleton, California.…
By Tim Sales Here’s a lesson from the world’s fastest man who will make his third Olympic next week. Let’s start this lesson by watching this video clip: This is…
Are you involved in Sales? Did you know Tom Hopkins not only recommends all sales professionals use SendOutCards he uses it personally. If your in Real Estate, Insurances, Mortgage Lending,…
The first rule of management is this: Don’t send your ducks to eagle school. Why? Because it won’t work. Good people are found, not changed. They can change themselves, but…
This is amazing video I wanted to share with you today. Truly amazing!
Below is a wonderful article written by one of my mentors I follow in business. If your real estate industry visit his website http://www.renegademillionaireblog.com Enjoy this great article. Carlos Samaniego…
One of my mentor, Eric Worre, just recorded one the best videos I think he has ever produced. It is a wake up call to everyone around the world.
I watch this video every morning to get my morning started!
Needs vs. Wants: the very first thing your new distributor must know. Many people have asked me, “Carlos, when you are getting a new distributor started what do you do?”…
Yesterday, was a very special Fathers Day for me and a very unique story. Not only did I get to deliver a very special Fathers Day Sermon at Unity of…
Here is another round of annoucements from our 2012 Convention: ANNOUNCEMENT! Handwriting Font Full Package (Handwriting and 4 signatures) is now just $25!! 1. Print form from downloads (you need…
Just got back from the 2012 SendOutCards convention in Las Vegas and one of the highlights for me was talking to Richard Brooke, who the last time I had met…
JOIN THE 30 DAYS OF GRATITUDE CHALLENGE! What is the Challenge? Commit to sending a greeting card, everyday for the next 30 days, with a personalized heartfelt message to someone…
SEEING WHAT NO ONE ELSE CAN “Wealth comes to the man who can see the potential for wealth. – Napoleon Hill Does this seem goofily obvious? Maybe it is. But…
Did you know you can now only pay about $1 for completely customized card and never leave your home to send the card? Try it out for yourself, send a…
Here a few corporate update from our recent national convention: Here are some stats and company announcements: 1. In the Network Marketing Profession, retention rates are typically 10% every 5…
On April 27-29, we had two congregants Norma Erickson and our Board Member, Carlos Samaniego attend, Prayer Chaplain Training at Unity of Tustin and was trained by Light of Love…
Over the last month I been pretty amazed by a new TV show called “Preppers.” Where they profile Americans all over the country how they are preparing their family from…
In my spiritual quest over the years. I have been led to help more in my church at the Unity of Yucaipa. I currently serve on the Board but I…
Come learn the attend Basic Training and Certified Training for the SendOutCards System. Senior Certified Trainers and Senior Managers Carlos and Elizabeth Samaniego will show you how to use the…
I just saw this amazing TV show on Oprah network it is a must watch for all. Carlos Sneak Preview: Oprah Visits America’s Most Unusual Town Oprah spends the day…
Are you worried about your job? Are you employed? Just finishing college? Watch this amazing interview The marketing guru Seth Godin and author talks about the new year, the ‘forever…
Steve Jobs gives employees a little speech when they’re promoted to Vice President at Apple, according to Adam Lashinsky in a new article in Fortune that’s not online yet.* Lashinsky…
Elizabeth and I are in process of becoming a Certified Trainers with SendOutCards Corporation. If you have been looking to start a simple home-based business right from the comfort of…
I just found out on Sunday, I will be filling in for our minster at the Unity Church of Yucaipa on January 1, 2012. This will be the first time…
There is a times in your life you hear, read, see, or watch things than can change your life! Today I got email from someone I consider a business mentor…
Most people know the fear that comes from speaking in public. There are several things you can do to help you gain confidence in this area. Confidence comes through when…
Earlier today I was speaking to Pablo Blassino out in Maryland. He called me up and said Carlos I am ready to start a home/internet business please walk me and…
You been asking and its finally live. The new CreditandDebtResourceCenter.com website is now live! Go visit today and tell your friends about the new site!
My good friend Neisha Weston the Etiquette Expert is hosting a event this October that all business owners locally and throughout the country needs to attend Go to her site…
One of my mentors, shared this video. It’s great video, parents listen to the words of this song!
Carlos Samaniego was elected to be the new Area D1 Governor for Toastmaster District 12. Carlos is the founder and charter member and current President of “Entrepreneur Toastmasters” that meet…
I just got done speaking on stage at Craig Duswalt’s, RockStar Marketing Bootcamp. Craig is amazing person and put on a event every business owner needs to attend. I got…
Just got done spending for 4 days with ABC Secret Millionaire, James Mallinchek. Had a great time learn a ton of new stuff and made some great friendships that should…
I recently read article online from the www.SovereigMan.com, that really open up my eyes. Something stood out in article. As a parent of 3 year old, I really don’t notice…
I just read this great article by fellow marketer Ryan Diess and he so right. You may have heard that I recently connected with my Father after 41 years and…
We are looking to have our 1st ever Inland Empire Entrepreneur Bootcamp late January or February! Would be interested in a intense 1 day boot camp for Entrepreneurs with guest…
Just finished up filming Barbara Smith for her Long Term Care Insurance videos she is using to promote her website and for her online marketing! Carlos Samaniego
Today in my Tuesday, Toastmasters meeting I am doing speech on, how to prepare and present a speech, woke up in the middle of night with some ideas, so now…
WOW, what a beautiful day in the Inland Empire. Andrew and I spent most of morning helping future Eagle Scout, Colin Shaffer with his Eagle Project enclosing a patio for…
I just got this email below from collegue and mentor of mine about what is going on with “fake credit scores”. I don’t want to say much let Stephen, explain…
Enjoying a warm aftenoon and speaking with the founder of BirthdayBags4Kids, Julie Farquhar. We are discussing ways to use social media marketing to help her great organization. Your friend, Carlos…
A Client and friend, recently wrote this great article I wanted to share with my readers who have high school age kids….Go get a free Silver membership from his website!…
Credit.com’s John Ulzheimer appeared on FOX Business to discuss whether or not the new CARD Act laws will benefit consumers. Interestingly enough, the new laws may actually hurt more than…
My job is to stay in touch what is happening out in the credit and financial world, I recently sent the article by close friend, and found it quite interesting.…
Just read this blog article on ForeclosureDump.com 3 Million Foreclosures Forecast THIS YEAR William Henderson – Wednesday, February 03, 2010 Posted on February 1, 2010 by livinglies Editor’s Note: Reality…
Are you interested learning more about improving your credit, purchasing home, or learning more about the myths of foreclosures or short sales. Come to one of my workshops that is…
This is power message by Dave Ramsey, who is one of my mentors I been following for last few years!
Double Standard: Of Morals and Mortgages Posted using ShareThis
Double Standard: Of Morals and Mortgages Posted using ShareThis
2010 is Going To Best Year Ever! Once you claim it for yourself it yours! I watch this video every morning for the rest of year in 2010! Inspirational and…
Congress Votes Against Bankruptcy Modification By Mark Markus | December 11, 2009 Today the U.S. House of Representatives voted against legislation that would have allowed homeowners to modify their loans…
Congress Votes Against Bankruptcy Modification By Mark Markus | December 11, 2009 Today the U.S. House of Representatives voted against legislation that would have allowed homeowners to modify their loans…
Doesn’t look good for many people, so what is your Plan B in 2010? Read this recent article from Foreclosuredump.com Carlos Samaniego The housing market is going to continue to…
Below is great article I read that talks about “The Second Wave of Mortgage Defaults.” It is great story, one I have been telling my credit workshop students and home…
One of my personal credit coaches and mentors is John Ulzhiemer, he recently posted this article, that I believe is must read for all who care about their credit scores!…
Almost 20 years ago, I took a Macro-Economics class, and did a research paper, on a book, called, “Unlimited Wealth” by Paul Zane Pilzer! He has gone all to be…
That is right only 5 of 1,711 permanent modifications as of Sept 1 of this year had a principal reduction! That is what I have been telling my clients, that they are…
Time to get ready to buy your new home and take advantage of this tax credit! My credit client’s the Sanchez we got their credit scores to over 700! Now…
Everyday I get call’s from homeowners who do not know what to do? They are behind on their mortgages, owe more than what the house is worth, lost their job,…
Things are looking god for extension of the tax credit, watch my video message and read article below: To get our our free VIP List click here now: To…
Last night, I was Grandma, house visiting, she asked if, Liz and I wanted to go out for little bit. So we decided at last minute to go see, Paranormal…
That is right the Terminator strikes back in Sacramento! Sign’s 9 new law’s in legistition that is effective immediate! Bye, Bye, Loan modification companies and even attornies that get paid…
So its been a hell of year, maybe lost your job or your spouse lost their job. Unemploment is barely enough to pay for groceries, and of course credit card companies…
This was what a good day is like. I got this email below from Oscar Jimenez. It felt great helping somone out again! Good Morning Carlos, Thanks for taking the…
At 8:30 am sharp, Andrew and I heading to Holy Name of Jesus, Church in Redlands to help sift and sort through 1000’s of donated food from throughout the Inland…
This is repost from Paul Hartunian http://paulspublicityblog.com It was so good I had to post it on my site, Paul is huge dog lover 😉 Hope you enjoy it! Carlos…
During my last Credit Workshop, I was asked what is better for you a short sale or Forclosure. Well they are both bad, and whether you have a short sale…
I have been getting once call after another, “Carlos, I need to get a loan modification, should I use company X? How about a Forensic Audit?” I was seeing loan…
Here is anothor great article, support my opinion why the housing market has not hit bottom, and the buying opportunities has just begun for this wanting to buy a home…
Wells Fargo Credit-Card Rates To Rise Ahead of Law Posted using ShareThis
Wells Fargo sticking it to consumers their last chance! It makes you sick!! Oct. 7 (Bloomberg) — Wells Fargo & Co. plans to raise interest rates on a majority of…
Finally get a truly free credit report in easy to understand format!
A couple of weeks ago, while speaking at one my workshops. I said that in my opinion I believe foreclosures/short sales will be increasing dramatically in next couple years! He…
Call your congressman today and let's help push this program to be extended to next summer! This is helping our economy, getting new homeowners into house saving people from foreclosure,…
Looks like those most loan modifications are not really loan modifications and causing payments to be higher for clients. This great article by USA today explains! If you are interested…
Great video, of the average American consumer getting fed up!
That is right after working, writing, and editing I finally finished my book, "Foreclosure Home Buying Secrets." So many of you have called, email, blog, asking me, "Carlos how to…
More credit scores will be dramatically affected as they cut your credit limits! U.S. credit card issuers pare lending limits Fri Aug 28 16:29:46 UTC 2009 By Juan Lagorio –…
State statutes of limitation for credit card debt Collectors have a limited time to file lawsuits over unpaid card debts. Some times it doesn’t make sense to pay off and…
Recent Article about importance of your credit when trying to get a new job!! Enjoy, Carlos Samaniego www.CarlosSamaniego.com August 7, 2009 Another Hurdle for the Jobless: Credit Inquiries By JONATHAN…
As many of you know I conduct workshops and bootcamps on regular basis here in the Inland Empire, and throughout the country. Normally, at my my workshops, I give all…
Just wanted to make a brief correction on my last post. Our Credit and Debt Bootcamp will be held on Saturday, August 15, 2009 from 12-4pm. "Credit and Debt Boot…
Carlos Samaniego presents his 4 hour Credit and Debt Boot-Camp for the first time in the Inland Empire! Finally The Truth Will Be Told! Credit and Debt Boot Camp
This morning I was preparing for my next “Credit/1st Time Home Buyer Worksho” at the City of Ontario on Thursday, I came upon this great article in the New York…
It looks like the Workshops we have been conducting are a huge success, we are now doing workshops in Both the City of Fontana and City of Ontario. I have…
As many of you know I have been training with CERT (Civilian Emergency Response Team). One of the most important thing any family can do is have a 72 hour…
“DON’T TOUCH THAT DIAL.”That familiar broadcasting statement certainly applied to the markets last week, as the volatility continued and the markets changed direction quickly. Take a look at the chart…
That is right! Interest Rates have jumped over 1.122% in last 10 days! Do you want to know why? Well my good friend, John Yang posted the article below this…
This update from Mortgagee Letter 2009-15 establishes guidelines for use of the first-time home buyer tax credit as settlement funds.Here are the 10 things you need to know about these…
Okay, Okay…. stop the phones! We’ve been receiving calls all day about the “announced” monitization of the $8000 first-time homebuyer tax credit. “Where’s the ML?” Well, there ISN’T one yet……
Great Article, by one of my favorite websit Credit.com A new FICO report on credit data from the second half of 2008, revealed that 16% of the US population had…
There could be no better time than now to by your first home in Southern California, especially in the InlandEmpire region. Prices have dropped in some places in excess of…
The Obama administration on Wednesday gave lenders a green light to begin modifying home mortgages under a new $75 billion program aimed primarily at people facing imminent financial hardship. The…
Note: Details of the plan below will not be annouced until first week of March, stay posted to find out more details. Carlos Samaniego(909)512-6418 President Obama has released details of…
This morning I was watching ABC Good Morning America as usual with my cup of coffee, when I saw a special report about homeowners are delaying there foreclosure on their…
That is right American Express just announced they will pay you to close your account. I just read the article on a great blog called CreditMattersBlog.com, it must read blog.…
Shiff pans government's direction on economy By Christopher Falvo Posted: 02/12/2009 10:00:00 AM EST Let the market be. This ideology may stray far from that of President Barack Obama's stimulus plan,…
Obama to outline plan to help struggling homeowners next week; major lenders halt foreclosures Alan Zibel, AP Real Estate Writer Friday February 13, 2009, 4:16 pm EST WASHINGTON (AP) —…
I just informed from collegue, Stephen Snyder about your FICO credit score. Read his email below. Your friend,Carlos Samaniego,CMPS(909)512-6418 Experian just announced they have a very special Valentine
I had heard from my client's they where getting their credit lines reduce, and the reason given by credit card companies was basically they shop at certain stores. I found…
Financial Terrorism: How Will the Madoff Scare Affect the Reverse Mortgage Industry? By Dennis Haber, Esq. As the economy worsens more and more seniors are turning to the one mortgage…
This morning I was watching one of my favorite financial reporter Ali Veshi on CNN, he talks about in this short video clip, why you should be not investing on red cent…
I just posted my live credit workshops, and reverse mortgage workshops online for next 4 months. Most classes will be hosted by the City of Fontana and City of Ontario.…
BY CHRIS PETHERICK In a desperate attempt to shock the economy out of recession, Federal Reserve Chairman Ben Bernanke dug deeply into his bag of tricks in late December and…
Just wanted to give you all a quick update, I am planning on launching my Credit Coaching and Restoration program in few days. Keep an eye out for details or…
Hi there, I hope all is well today in your home. I saw great video online on CNBC that talks about specifically what I have been telling my clients in…
http://www.marketwatch.com/news/story/hud-expands-mortgage-modification-program/story.aspx?guid=%7B16FE2FFC-8A8E-4F6C-9CE9-895647CD8FA4%7D&dist=msr_4 Here is great article. Above is the link for the headlines that came from the on-going negotiation between Wall Street (Lenders) and Main Street (Tax Payers) continues with our…
That is right if you have watched news on television Citibank and other mortgage lenders annouced they would start doing loan modifications (New Article). However, because you must qualify for…
A friend recently referred me to this book online. He said that he Found the book Buffett read as a boy that got him thinking about making a million. It…
Are you a homeowner? Are you getting mail,faxes, calls to your home claiming your lender will accept less then what they are owed? This morning I was speaking with a…
If you’re like me, you’ve tightened your belt and taken steps to avoid any unnecessary expenses. Even if you’re doing well, wasting money is just plain stupid. I just…
A free emergency workshop is being held for all homeowners who want to keep their homes; they just need an adjustment in their mortgage allowing them to keep…
U.S.News & World ReportHow Treasury’s Plan Will Affect ConsumersTuesday October 14, 1:09 pm ET By Kimberly Palmer It looks like the Treasury Department won’t just be buying bad mortgage debt…
Well, it looks like promising news for Countrywide mortgage holders, BofA is going to start helping them, hopefully it works the way it supposed to! Read article from Money Magazine…
I get this question all the time from client and homeowners, does Credit Repair really work, do I really need to hire a credit repair agency to help fix my…
That is right the current bailout plan how is written is wrong for the homeowners of America that are struggling! Yes, I understand we need a plan to basically save…
Yesterday, I had to the pleasure of being on the "The Ron Carruther’s Radio Show" on KCEO 1000 in San Diego, California. We talked about the massive foreclosure crisis and…
So Greenspan say’s that this is worse economy possibly in the last 100 years, and you thought you where crazy! No it’s tough out there! People can’t afford to…
This morning I read a great article about how more and more homeowners are finally realizing that they don’t have to lose their home to forclosure, because of "Loan Modifications".…
I just posted FREE 24hr recorded messages for loan modification awareness and educations Visit http://carlossamaniego.blogs.com/blog/free-loan-modification-co.html Your friend,Carlos Samaniego, CMPSLoan Modification Specialistand Certified Mortgage Planning Specialist.
If you have an Indymac Bank Loan you may be a perfect candidate for home loan modifications? Read article below why the government is pushing lenders to do loan modifications.…
Yes, that is right, I finally got to spend a few minutes with Congressman, Jerry Lewis and explain to him how he needs to push lenders to continue doing loan…
Most American’s want their homes; they just need an adjustment in their mortgage allowing them to keep their homes and help getting back on their feet. They need an adjustment…
Over the last few months I had been getting quite a few calls about a company Auto Surf Daily. A few of my clients have been looking for a part-time…
My good friend and business mentor,Edward Jamison just put out this Credit Alert. If you like to have complementary credit consultantion please call our offices at 909-512-6418 and tell us…
I have to admit. I have found one of the best books on helping people with their credit in long time. I have read, reviewed, and help edit a whole…
Every so often you see something online that just makes you feel good! Today I got email from friend Trevor Sines, that just completely touch me to the core. I…
Are you a mom, looking to make a few extra hundred dollars a month? Are you trying to replace the income you lost from leaving work to have a baby…
The recent bank failure of IndyMac bank is catching a lot of people by surprise. I was getting ready to write out an extensive blog today due to many concerns…
It has been a while since I last posted her on my blog. I had been so busy on a project that is now helping almost 100 people all over…
If you’re an Entrepreneur, Financial Planner, Insurance Agent, College Planner, Small Business Owner, or Real Estate Professional and you want more free traffic, attract more clients, and become an instant…
One way to help struggling homeowners is to create more income. I have seen that the average home mortgage increase from adjusting home mortgages is about $300-$700 a month. So…
If you have a Home Equity line, you need to read this now! Banks Suspending Home Equity Lines of Credit By Aleksandra Todorova April 24, 2008 TERI GRUBAR, a 46-year-old…
Today I wanted to share with you a video clip my good friend, James Lee shared with me, he writes a blog at www.onlinebusinessfreedom.com. It has nothing to do with…
I read this article at my favorite celebrity financial planner Dave Ramsey Website!! Bank of America messing with people, but remember it’s the whole credit card industry!! Earlier this year,…
What an unbelievable weekend in Southern California! This weekend the family and I had been planning on going up to the Mountains in Big Bear in the snow, to spend…
Last night I did another Credit Workshop for the City of Fontana. It was great success. These are small workshops of 10-30 people I do for the City every couple…
Dear Friends, It looks like lenders are going to make it even tougher to get a mortgage loan. Your credit score has just become a that more important. Even if…
Many of you know that last week I spent a few days in Las Vegas. No I am not a gambler, I spent two days at a Credit Restoration and…
Well, I already got pinched this morning. You believe I forgot it was St. Patty’s day! Well I warned you 🙂 This morning had something fun for you parent’s out…
It finally became official today, the new FHA loan limits where annouced for California counties. For us here in San Bernardino and Riverside County, the new FHA loan limits are…
This morning I came into work like any other day. Getting ready to take on the world. I start checking my messages at the office, then happen to noticed a…
Great article from CNN….I have never seen a better time to buy in the Inland Empire. Home values have declined across the country, giving homebuyers the best buys they’ve had…
It finally happened. Liz and I got married back on November 26, 2005, we have been patiently waiting for our wedding video and we finally got it. It is awesome!!…
By now most of us have heard about the "Tax Rebates" the government is giving to most people in this country. However, I have a huge concern over what many…
Carlos Samaniego Exclusive Update – We have seen a whirlwind of legislative activity these past few weeks! There is much confusion surrounding the recently passed Economic Stimulus Package and higher…
There is more help for delequent homeowners, at least short term help. The new "LifeLine" was just annouced today and it will help someowner throughout the country more importantly to…
My very good friend Ron Caruthers, one of the Nations Leading Experts on College Planning recently launched his own blog! Make sure you visit it, especially if you have college…
I have a very special gift for all my readers. For the very first time ever we are releasing at no cost our "Income-for-Life Book" that was co-authored by Rob…
I know I am couple days late talking about the Superbowl. But what an amazing game! I didn’t have any particular favorite for the Superbowl. Since I was upset that…
One of my favorate no-nonsense financial planner that I enjoy reading, listening, and watching on television is Dave Ramsey (www.daveramsey.com). His biggest calling is get out of debt! He teaches…
The Federal Reserve Lowers Interest Rates AGAIN… What Does This Mean For YOU? What does this all mean! I just posted articled with detailed explanation about what it means to…
The Federal Reserve Lowers Interest Rates AGAIN… What Does This Mean For YOU? In order to answer this question, it is helpful to understand the four major interest rates that…
In a nearly unprecedented move the Federal Reserve early Tuesday cut the Federal discount rate by .75 of a point, the largest single rate cut in 20 years. The move…
After watching a gutsy performance, taking on the the unbeaten Patriots I thought I would be depressed after watching San Diego lose the game. However, I felt good watching a…
As many of you already know I am a huge San Diego Chargers fan, since I was10 years old! So I have been a fan for 29 years and counting.…
Free Gift For Carlos Blog Reader’s I made arrangements with the #1 Marketing Expert in the world, Dan Kennedy, to give you THE MOST INCREDIBLE
I am a little late in Reporting this, but with the holiday business I totally forgot to put this on my blog. However on Thursday, December 20th, President Bush…
On Friday, one of my personal mentors, Rob Minton, Author, Real Estate Consultant, Entrepreneur and Founder of Income of Life. Posted a great article about creating wealth in Real Estate…
OK….So the New Year has started and you probably have all written down your New Years resolutions or your goals!! I want to share one of mine with you today.…
It’s 2008! Happy New Year! I hope you all had a great new year celebration. I spent the evening with my family and brought the New Year in at home!…
Isn’t hard to believe that Christmas 2007 has come and gone so fast! WOW! I hope you all had a great Christmas, I know we had a beautiful day with…
The other day I went to store and found my favorite gift of 2007, "The Flying Monkey". It’s a great inexpensive gift and more than anything alot of fun! Here…
Yes I finally going to do what hundreds of people have been asking me! I am launch a Blog Coaching Program. Hundreds of people have asked me, "Carlos, will you…
The credit file freeze is now national! Starting in October, consumers from all 50 states now have a new tool to protect themselves from identity theft from at least two…
It is so hard to believe Christmas is just around the corner. I swear, it seem as though we just celebrated the new year couple months ago! It has been…
Last week we got to take the family too Disneyland. It was a wonderful gift to our family from a family friend, Charles Wild who work’s there at Disney. Being…
Well The President annouced there new plan a few minutes ago, it definitely looks like it will help "some" people. I have once client specifically here in Redlands I know…
From the Senate: Senator Clinton Calls for Immediate Action to End Foreclosure Crisis Washington, DC – Senator Hillary Rodham Clinton today sent the following letter to Treasury Secretary Henry Paulson…
California Foreclosures Increase 221 Percent In October 2007 Foreclosures Increase 18,975 in One Year Default Research, the fastest growing foreclosure research company in the nation, is reporting that California…
Well today at the office we are so excited! Why you ask? Well my colleague andpartner Victor Romero who works here at the office was working with a client. Are…
It’s been two weeks since we been back from our family vacation/retirement celebration! No I didn’t retire. But, my mother, Angie Samaniego finally after 30 years of working for the…
Mike, we miss you can’t wait for you to get home. Here is a video from your wife and kids and our family. Take care of yourself! Samaniego Family
Today is a day we give thanks and remember all the people, family, friends and clients who have made a difference in our lives. I wanted to to say "Thank…
WOW- isn’t hard to believe we are coming upon the holidays. What happen to this year it just flew this year. I amazed how fast the year can go…
Ok you ask for it? Here they are, right there on the left hand side… Some recent pictures of Bella. We had some great professional pictures done, however, I have…
If your mortgage is about the adjust and you know you will not be able to afford payment, call them now and let them know, they will try to help,…
Borrowers get small break from Fed Those with home equity loans and lines of credit didn’t just hit the jackpot – but every little bit helps. By Ismat Sarah Mangla,…
Last week, President George W. Bush announced his FHASecure Plan which is designed to help some 80,000 homeowners avoid foreclosure as their ARMs adjust to higher rates and payments. The…
President Bush Annouces today a new Federal program to help homeowners that are behind on their mortgages. I posted the article below. I will be watching this closely and keep…
Yes I finally did it? I am on Myspace! Many of my friends have been bugging me to get on myspace. I thought that was a place for kids and…
The Crisis continue…below is article from CNN this morning. The headline say’s it best, they buyers and homeowners with good credit will make out well, however if you cannot prove…
10:30amDrinking Coffe with my wife on the porchRedlands, Ca This morning while drinking coffee with my wife and are daughter gigling on her little swing. My wife and I where…
Today we had a great teleseminar, where I interviewed Mr. X that discusses what is going on in the banking industry that is causing a crisis for banks, mortgage lenders,…
GOOD, BAD OR UGLY? All of the above, if we’re looking at last week and home loan rates. Good news came in the form of friendly inflation and employment news,…
Today is Thursday it has been a rough week in the office. I have talked with people this week alone about divorce’s, foreclosures, bankrupty, and spend quite a bit of…
I am angry post! WOW, I have used some really bad language as most will say! But I have never been more pissed than some news I heard about some…
As part of me keeping abreast on the credit and debt laws happening there is a major change in credit scoring that is going to dramatically change alot of peoples…
Well today is the last day of this 4th of July week! I hope you enjoyed your time this week with your family and friends. Elizabeth and I spent 4th…
How time fly’s our little princes turned 8 weeks old yesterday. She is almost twice the size when she was born she wieghs 15lbs and almost twice as long. All…
Yesterday, I saw Michale Moore’s new documentary film – Sicko. Me and my brother Sam where at the very 1st showing in Riverside! I have to admit, I almost started…
It is so hard to believe that my daughter is already 8 weeks old this week. It seems like every parent I speak to say enjoy these months, every moment,…
Below is article from Bankrate.com about Stephen King on Credit Card Debt! Who: Stephen King Notable: Best-selling author (“Misery,” “Carrie,” “The Dark Tower,” “The Green Mile”) Fame & Fortune Q&A:…
Our favorite hotel heiress Paris Hilton was released from a minimum security women’s prison in Lynwood, CA on Tuesday at 12:15am in high spirits. ABC News rehashed the history of…
Since identity theft is of concern, it’s important to remember that there are steps you can take to minimize the risk and help protect your privacy and identity. Shred documents…
It is time to slap the credit card companies where it hurts! Did you know that the 3 major credit card companies are selling your personal credit information to other…
I was watching Warren Buffet- Billionare Next Door on CNBC he had two pieces of advice for young people. 1. Stay away from Credit Cards2. Invest in yourself – To…
Well I am finally back at home after spending 3 days with some of the nations leading expert at the JW Marriot Desert Ridge Resort in Phoenix. A It was…
Interest-only loans give you the flexibility of paying interest-only or interest and principal each month. Interest-only home loans can have a fixed or adjustable mortgage rate. The monthly payment flexibility…
Below is recent article that my friend and money expert Stuart Frass sent me…He found this on CNN Money.com. He is some great insight to the FICO scoring system. Your…
Visit some more pictures from hospital along with a slide show at More Bella Pictures and Slide Show
It finally happened the day Elizabeth and I have waited for over 9 months. Bella Melania Samaniego was born at 7:45am at Redlands Community Hospital. She was 7 pounds, 15…
14 hours to go!!! In about 14 hours ago Elizabeth and I take the 2 1/2 minute drive over to Redlands Community Hospital, to get ready for the birth of…
Today one of my coaches and mentors Barry Habbib was featured on CNBC and talk’s in detail about the Subprime Meltdown and also why if you are going to do…
The headlines are once again full of news from the mortgage and real estate front…and this time, the "Sub-Prime meltdown" is taking center stage. What exactly is going on, and…
It was a classic beautiful California weekend! It was sunny, nice breeze, about 78 degrees. The smell of the spring blooms permeated the air. The Wisteria tree was waterfall of…
That is why i am offering a completely free analysis of your mortgage to help you know what you have and also offering a free ARM Analysis for anyone who…
Finally, people are starting to understand what I have been telling my clients, at my workshops, and teleseminars because author and Oprah favorite financial guy David Bach is talking! It…
I don’t think there are any scarier 3 letters in the english language. But for many people it is going to become even scarier! Why? Because the IRS will be…
Well I hope you had a great Valentines Day with your loved ones. Elizabeth and I had a special quiet day together. We slept in on Valentines Day, then went…
Well It has been a week since the nation watched the Superbowl and it is also a week since myself and my brother Sam experience the coldest weather in our…
When dealing with an old debt, it’s important to know your limits. (as seen at bankrate.com) Once a debt passes beyond the statute of limitation in your state, a debt…
Snow In Redlands? Now that does sound wierd, we are only at 1300foot elevation. But it happen two days ago. Now what is strange 2 days before it was 86…
Happy New Year! I know I am couple day late’s posting a Happy New Year post here at the blog. But I had decided to stay away of all computer…
Yesterday I got to celebrate my 38th birthday with my wife and my entire family. After enjoying a relaxing Sunday afternoon and watching the San Diego Chargers win another game…
My friend Jason in New York recently shared these scary facts with me! Shocking Debt Facts * Over 70% of all marriages that end in divorce are due to financial…
Well it is Saturday after Thanksgiving. I hope you all a wonderful thanksging day an celebration. We had a great deal here at home. We had a small family dinner…
How you doing today. It’s two more days to thanksgiving and I am looking forward to it. Last night Elizabeth and I watched a 3hr special on history channel about…
I recently recieved this information from a friend, and considering we have the holiday season coming up, I thought it would be good to share with you. Your friend, Carlos…
It’s been a while since I have written to you all. I am sitting here watching the Finals to "Dancing with the Star’s’ with my son and very pregnant and…
All collection agencies and creditors will settle for less than the full balance, except collections on student loans and unpaid child support, which must be paid in full due to…
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided…
I learned early on that credit card companies love people who max out their credit cards. They love them because of the income stream they get as a result. However,…
This is great article I recently found about Teens & Credit. Credit & Teens is like a ticking time bomb! Enjoy. Carlos MONEY SMART KIDS Scare Teens Away From Credit?…
You heard right! I guess we were just as shocked! But this is something, Elizabeth and I have been wanting for a very long time. My son Andrew is so…
I just got back on last friday from a 4 day trip to Cleveland, Ohio. I spent 4 days with my coach Rob Minton at his Real Estate Office getting…
Well, we are back home from a dream trip to Kauai. Today we need to get back to our Credit tip. Below is a great one from my firend Edward…
1:45pm Shipwreck LagoonGrand Hyatt, Kauai, Hawai Aloha my friends, Today is the 4th day of our 7 day stay in Kauai. We have been visiting and looking at investment prorperties…
How are you doing this week. Elizabeth and I just got back from Chicago on Monday. Today is Tuesday and we just got on a 6 hour plane flight to…
I just got back from St. Louis after spending 4 days with one of my mentor’s Mike Miget. We masterminded with 15+ of the nations leading experts in helping clients…
Hi Everyone, Here I am St. Louis visiting with some friends and doing some business. But i wanted to give you this month. Samaniego Times! Download Now! Download September2006.pdf Your…
This coming Monday, on September 11 the IRS will issue "Internal Revenue Bulletin 2006-37," which will summarize the IRS’s use of three private collection agencies (PCAs) to collect past-due tax…
"Please! Can you just help me get this car, credit card, student loan, Wide-Screen TV?" How many times have you heard that coming out of mouth of someone you know,…
Well we got home yesterday from Ohio. What a week of learning how to better manage our business and to make changes to better served are clients. Although I did…
Cleveland, Ohio11:00pmNorthfield Park Racetrack Dan Kennedy Races in the 9th Race at Northfield ParkWell it here we are at thee Northfield Park Racetrack watching Dan…
You may not know this but there is a huge difference in the type of lenders that you use! Banks and Credt Unions are looked at more favorably from a…
How are you all doing. It’s been quite some time I have had to talk to you. It is been a very busy few weeks, Well where do I start.…
Carlos Samaniego Earns Certified Mortgage Planning Specialist
Hello! My name is Elizabeth and I am Carlos’ wife and you’re newest contributor to CarlosSamaniego.blogs.com. You can see more pictures in our photo album on the left side of…
I was just accepted as a member of the National Association for Responsible Community Lending and Investment. This is an extrememly exlusive association… there are less than 100 hand-selected members…
It’s been a few weeks since I last posted. Since then Miami Heat won the Finals and Shaq got another championship and the US get’s booted from World Cup. We…
Today’s update could save you enough money over the next few years to go to the beautiful waters in Grand Caymen Islands. Here I am attempting to snorkel with hundreds…
Hope you all had a great Memorial Day weekend! Me and Elizabeth had a relaxing weekend at home and did alot of spring cleaning and yard work. However,…
No, not bird flu. Identity theft. As the world tries to ready itself for the inevitable spread of the H5N1 avian flu virus, it
Tip #6: Keep your old cards active 15% of your credit score is based on the length of your credit history. If you have older cards, keep them!…
The sayings is something like this, "If you don’t know your rights. You don’t have any? Today we will discuss your rights as a debtor. In this installment we will…
What Happen’s In Vegas, Stay’s In Vegas! Read Story Below… Your Credit Tip #5 that is provided by Attorney Edward Jamison! Credit Savvy Tip #5: Keep your old cards active…
How you doing? Well it’s a couple days after Easter and I didnt get a chance to say, "Happy Easter". I hope you had a great Easter Weekend? You know…
Carlos’s Credit Savvy Tip #4: Don’t pay off old collections Why would you ever not want to pay outstanding collections? Because, due to an error in the credit…
My Coach Wins The 2006 Marketer of the Year! That’s right I just got back from a six day trip to Chicago to attend the 2006 Kennedy Marketing Superconference! While…
What does Richard Brason, Home Loans, and a Hot Tub have to do with one another? Read this interesting article below. Link: adfreak: Can you find the link between Richard…
That’s right my 9 year old son competed in the 26 Annual Redlands Bicycle Classic, representing of course your company, my company, Team Integrity Consulting!! It was a beautiful crisp,…
There are very few things in life you should question, here is one of them visit site below and watch this movie. It will change your life! – Carlos The…
What do you know the Fat Cat Credit Agencies Thinks Your back in School! The three major credit reporting agencies has decided to come up with a more "uniform" way…
How To Improve Your Credit Score! Have you ever looked at your credit report and seen balances that are inaccurate? This is because your credit cards may…
So what does a snowy Chicago Day and Jerry Springer have in common? Well this last week I had to fly to Phonenix for 3 days with my good friend…
You have heard about Identity non-stop on TV, radio, newspaper, friends, and family. Does it scare you? It should! As of December 2005, according to federal statistics, The Inland Empire…
Pay your balances down! 30% of your credit score is made up by your debt ratio: the amount of debt you have as a percentage of what your…
"Carlos paid off mortgages, paid off our car, gave us the car title back free and clear. We didn
This morning, I had appointment with Glen Baker from Banning, California. He is building a new home on a lot he owns there in Banning. I am getting him a…
What does King Kong, American Idol, and the The Grammy’s all have in common? Well, at 8:30pm this evening my wife and I are sitting in front of TV trying…
It’s Super Bowl Sunday! Just finished the 1st Quarter, it’s been boring game so far, score is Steelers 0, Seattle 3. I am going for the underdogs, Seattle.! The FEDEX…
I read this below today, I loved what it say’s, I thought you may like it too!! How to Attract Prosperity – (Classic book written in 1922 by Orisen Swett…
Who do you take advice from on a day-to-day basis? Everyday I speak with people who seem to be taking advice, directions, tips from other people who are broke, out…
I got another phone call this morning and it’s true. I am guilty! A mortgage banker asked me if I was the same guy that spoke in Dallas, Texas to…
Warning: Don’t Pay Another Credit Card Bill Until Your Read This! Reported in USA Today! Did you know that your credit card payment will double (and maybe even triple) because…
It’s a beautiful crips Saturday morning here in Redlands. I came into the office this morning to meet a client who was having credit challenges and trying to reduce his…
Many of you have asked me if we had any pictures to share from our wedding. Many of you know me and Elizabeth got married November 26, 2005 on the…
Warning : Fat Cat Banker’s & Credit Card Companies Don’t… You read it right the "Fat Bankers" & Credit Card companies are trembling because their insider secrets will be revealed…
