San Diego Lawyer

A Debit Card will be Fine! – Seriously?!

August 17, 2012 Gary

College Kids with Credit Cards – WATCH OUT!!

Watch the short news story linked below and see how I feel about new college kids with credit cards:

Consumer Bob – NBC 7/39 – visits KCBQ & KPRZ studios to get GQ’s opinion on college kids with Credit Cards.

At a dinner meeting last night a long-time friend of mine jumped on me and said “Your kids are gonna hate you” – “What, no Credit Cards for Gary’s college kids?” “Gary want’s his kids’ passwords?” – He had seen me on Consumer Bob’s TV report on NBC 7/39 saying that college kids don’t need a credit card.

New college kids need to focus on studying. Maybe a Credit Card after their freshman year. My son Ryan was interviewed by Consumer Bob too and he wants to be responsible and build credit. That’s great. If he can get his own CC with a small limit and be responsible – GREAT!

I see too many parents who give their kids a joint CC with mom or dad – or worse a mom and dad card! That’s just CRAZY! That $25 dinner charged on the card will take a long time to pay off – remember he or she won’t even see the bill for a month.

Great credit is very important. Teach correct principles – over time, kids will learn . . . well.

Parents Co-signing on loans?

Most important part of Bob’s interview is me answering Bob’s question: “Should a parent co-sign a loan with a child?” My response . . . NEVER EVER EVER!

That’s my opinion.

GQ

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San Diego Lawyer

Happy Graduation – Welcome to Crazy Town!!

August 7, 2012 Gary

College graduation day! How cool is that!

. . . and yet there is something in the back of your mind – a little annoying thought that gives you the tingles every once in a while. It is like that dream that you have in college that you are late for the big test or you forgot to turn in your assigned project. The dream where you dream that you wake up and still cannot function properly. But finally you do wake up and you are OK – the test is tomorrow.

What am I talking about? Your student loan is coming due. It’s that dream that you forgot something. The thing you forgot, after 3 or 4 years of college, is that you now have student loan debt – perhaps more than you thought you would have.

Congratulation on graduating from college. Now you really are a “grown-up” (well, by some definitions) and your student loan lender will soon remind you that your first loan payment will be due in 6 months or so. No problem, you think, “I will have a good job by then” – “I’m pretty sure I will” – “I’m not worried”. . .

Student loans are the next big financial disaster that looms over the horizon.

Nationwide student loan debt now exceeds all credit card combined. The problem with student loan debt is that it is easy to get and very hard to get rid of. In 2005 the Federal Government made it nearly impossible to get rid of student loans. Even if you cannot pay the loans, you cannot eliminate them in a bankruptcy. Nearly everything else can be eliminated in bankruptcy – including many taxes, but not student loans.

Even student loans from a private lender are protected under the 2005 BK code. Yep. Welcome to Crazy Town!

Student loan debt will keep many graduates from buying cars, traveling, renting, eating out, and basically contributing to commerce. They will not have that money to spend. Some graduates have obtained loans of over $100,000 to get a job that pays $25,000 per year.

What’s my point? Avoid student loan debt like the plague. Go to cheaper schools. Get an associate degree at a community college, then finish at your dream school.

And parents. NEVER get “parent student loans”. I have seen families destroyed financially because of them.

Bottom line. Avoid debt – especially student loan debt.

GQ

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San Diego Lawyer

Big IRS News

May 22, 2012 Gary

IRS announced yesterday that it has been “working to put in place common-sense changes to the OIC program to more closely reflect real-world situations”. That’s big news in my world as a Financial Solutions Attorney. We have struggled for many years with the ridiculous rules that have made the IRS Offer-In-Compromise (OIC) program useless for many taxpayers.

According to the announcement, the IRS will finally allow the taxpayer’s budget to include payments on student loans, payments on state and local delinquent taxes, and only look to future income over a 1 to 2 year period rather than the 4 to 5 year period in the past.

Even better, if they truly implement it (this may be too good to be true) they will not look to the equity in income producing assets of an on-going business in the calculation of reasonable collection potential. In the past, the IRS calculated an artificial business value which included income producing business assets. The artificial business value caused many small business OIC’s to fail.

We are going to be implementing these new changes immediately on our OIC cases. This could be great.

Here’s hoping.

GQ Law

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San Diego Lawyer

Weekend Warriors

April 30, 2012 Gary

BSA Varsity Scout Triathlon 4.28.12

Craig Sewing, a bunch of the youth I advise, my son Tyler, and I got out and competed in the BSA Varsity Scout Triathlon on Fiesta Island on Saturday. The event is for Boys, Girls, and youth leaders – I have been a youth and Boy Scout leader for 30 years.

While on the air on KCBQ, I got Craig committed to compete this year and am glad he did. Getting to know him outside of the business environment was great. We spend so much time with people in specific situations and it is nice to get out and do something other than work.

Yes, Craig is buffer than I am, but then I am 20 years older and have 3 sons, 1 daughter, and 2 grandsons.

Today is was back to business as usual. Solving financial problems.

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San Diego Lawyer

Outdoor exercise

April 27, 2012 Gary

It’s the weekend. Why not get out and exercise. I enjoyed this article from Outdoor Magazine on getting out and exercising without any fancy machine or equipment. Using the rock for weight – yeah, its free. A great idea if you want more resistance in your exercise.

Ty and I after Climbing Half Dome in Yosemite

(I like rocks – but I’d rather climb them)

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San Diego Lawyer

Sewing Squad @ Ann Coulter Event

April 26, 2012 Gary

Friday afternoon we broadcast the Craig Sewing Show – 1170AM KCBQ – live from the San Diego Air & Space Museum. Ann Coulter was there for her “Hope For Change” tour. It was a new experience for all of us. It is very different doing a show with 500 people sitting in front of you. It seems easier in the studio when I can just imagine that someone is listening. Live – you know when they are not! – but it is exciting when you get live reactions.

Here I am with Craig Sewing – real estate and finance expert – The radio show host – and Dave Elhoff – our financial planner.

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San Diego Lawyer

Tax Time with The Quackenbush Report

April 25, 2012 Gary

Welcome to the Quackenbush Report.

Tax season has ended – for now at least – and the big rush to file returns of extensions by April 17, 2012, has ebbed. I did it again – I filed my extension last-minute – after all but the main Post Office on midway had closed. The trip was sort of an adventure – a tax-season ritual for me. As a financial solutions attorney I deal will all kinds of tax situations for clients so I never like to file my own tax return during the April 15th crush.

So back to my last-minute trip to the post-office. I followed the traffic cones and traffic control people in front of the post office. As I approached the bright lights at the front of the line, a nice white-gloved woman cheerfully relieved me of my envelope. It was done – I am extended!

The IRS has its was to get money from you if you owe. This year the have all sorts of new rules that we are dealing with. Helping clients through the IRS and California Franchise Board tax mazes is my job. I like the challenge. After 24 years of doing it, I am just glad to be able to help. Dealing the IRS on your own is awful, scarey, and not a good idea.

For tips on dealing with financial situations – finances, debt management, taxes, wills, trusts, or real estate. Follow me on my web site at www.GQLaw.com. You can follow and comments on my posts on FaceBook www.facebook.com/pages/GQ-Law.

See you next time.

GQ

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GQ Law/Coastal Estate Planning is a law firm based in San Diego and Orange County California. The firm specializes in estate planning, Wills and Trusts, Probate, and Trust Administration.