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Your Complete Guide to Early Retirement: A Step-By-Step Plan for Making It Happen Tired of commuting? Fed up with your boss? Bored with your job? There's a solution: start living and doing what you want to do. Lie in a hammock or on a beach, swing your golf club, or hit the open road. Get control of your life, become financially independent, and RETIRE EARLY. If you want to retire early-before age 65-you're not alone. In a survey of workers ages 30 to 50, more than half plan to retire at 60 or younger and only 6 percent plan to work past 65. There are three things you need to do to retire early: 1) Manage your expenses and reduce or eliminate debt, 2) accumulate capital, and 3) save and invest wisely. It's easy, but requires patience and self-control, and with the guidance of this new book you will be on your way to achieving this goal. You will learn how to take control of your life, set realistic long-term goals, choose appropriate lifestyle trade-offs, and learn effective savings techniques and simple investing strategies. You will learn how to calculate how much you need to retire early, get the most from your investment portfolio, reduce your taxes, use retirement planning tools, increase your income while retired, reduce living expenses, deal with inflation and deflation, and calculate social security and pension payments. This book will be your road map to turn the dream of early retirement into reality. ISBN-10: 0-910627-93-2• ISBN-13: 978-0-910627-93-1 • Item # 9780910627931 $24.95 with Companion CD-ROM
The Complete Guide to Planning Your Estate: A Step-by-Step Plan to Protect Your Assets, Limit Your Taxes, and Ensure Your Wishes are Fulfilled What happens to an individual's estate after they are gone is very much within their control. Estate planning is not only for the wealthy; it is for everyone. It is simply the process of deciding where your assets are to be distributed after your death. For those people who wish to preserve their assets for designated purposes ‑ such as family or special charities ‑ it becomes necessary to make special advance preparations. Performing these important preparations is commonly referred to as estate planning. For an individual to help ensure that his assets are protected and final wishes carried out, there are some common actions that need to be taken now. Proper estate planning allows you to plan for yourself and your loved ones without giving up control of your affairs. Your estate plan should allow for the possibility of your own disability. It should give what you own to whom you want, at a time of your choosing, the way you want. Your estate plan should include fully disclosed, controlled costs for you and for those you love. The last thing you want to worry about is having it drained of value through taxes and legal costs. The right plan can protect the value of your estate and spare your loved ones unnecessary hassles and legal conflicts. This new book will help you glide through the complicated process. One of the biggest issues you need to consider is estate taxes. For starters, Uncle Sam begins collecting gift taxes at the $1 million level. Married couples with estates over $4 million are subject to estate taxes that soar up to 46 percent and if you wish to leave money to grandchildren, estate taxes can reach as high as 73 percent! Many books on estate planning indicate you do not need the services of an attorney, but we highly recommend an attorney versed in this area to assist you. You should not go through the process alone. What this book will do though is explain the complicated issues, terminology, and planning strategies of estate planning to the lay person (me and you) so that when you do meet with a qualified attorney, you will be well prepared. You will understand legal terms and be ready to discuss issues and strategies with familiarity, saving time and legal fees and ensuring peace of mind. Some of the contents of the book are wills, assets, and settlement costs, probate, guardianship and minor children, executors and trustees, life insurance, living trusts, living wills, durable power of attorney, catastrophic illness, potential long-term care needs, marital deductions, types of trusts, federal and state estate exemptions, irrevocable life insurance trusts, gift splitting, survivorship deeds, charitable remainder trusts, 529 plans, health care proxy, power of attorney, reducing or eliminating estate taxes, avoiding tax on life insurance, using insurance to pay estate taxes, gift tax issues, generation skipping transfer tax, and tax deferred accounts. Estate planning should be a positive experience. It involves reviewing your situation and planning for your future. Although most people also find it unpleasant to think about the possibility of disability or death, advance planning is also a way to show your love and to reduce potential distress later. Get started today. ISBN-10:1-60138-049-6 • ISBN-13:978-1-60138-049-4 • Item #9781601380494 • $24.95 *Eric Hoffer Awards 2008 Award Winner, Business Notables: The Complete Guide to Planning Your Estate, Sandy Baker* Bronze Award Winner - First Annual Axiom Business Book Awards Bronze: *The Complete Guide to Planning Your Estate, Sandy Baker*
Retire Rich with Your Self-Directed IRA: What Your Broker & Banker Don’t Want You to Know About Managing Your Own Retirement Investments In recent years many smart investors have exited the stock market because they have essentially lost control of their investments. They have relied on the advice and skill of their brokers, bankers, and financial advisors. Many retirement accounts have dwindled or not increased. Fortunately, there is a great but little-understood alternative: the self-directed IRA. This new book will teach you how to turn your IRA into a wealth-building tool that you control 100%! Take control of your investment future, and make sure your investments are performing for YOU, not someone else. Why haven’t your banker and broker ever told you about this new IRA? Because they will no longer make any money on your retirement account! New IRS regulations and the new self-directed IRA make it effortless to build up and keep hold of IRA money. Inside this new book you’ll find out how to benefit from the new IRS rules and how to stay away from problems. With a self-directed IRA you can purchase real estate, buy a business or franchise, invest in high-yield mortgages and notes, invest in tax liens and foreclosed homes, manage property purchased by your retirement, rental property, ocean-front property, lake-front property, probate property, commercial property, REO property, tax-lien property, repossessed property, foreclosed property, apartment communities, and storage facilities. You can invest in stocks, bonds, mutual funds, or virtually any investment allowed by IRS regulations. The self-directed IRA lets you act as your own investment manager. We will show you how to set up your account with a custodian or IRA administrator to deal with the day-to-day activities, such as depositing contributions and executing and settling investment transactions. It’s easy, fun, and puts you back in control of your retirement account. Retire Rich with Your Self-Directed IRA combines essentials, insight, and insider secrets to secure a financial victory after retirement. ISBN-10: 0-910627-72-X • ISBN-13: 978-0-910627-72-6 288 Pages • Item # 9780910627726 • $21.95 The National 2007 Indie Excellence Book Awards Business Finalist: Retire Rich With Your Self-Directed IRA: What Your Broker & Banker Don't Want You to Know About Managing Your Own Retirement Investments by Nora Peterson 2007 Independent Publisher Book Awards Finance/Invesetments/Economics Bronze: Retire Rich With Your Self-Directed IRA: What Your Broker & Banker Don't Want You to Know About Managing Your Own Retirement Investments by Nora Peterson ForeWord Magazine's Book of the Year Awards Finalist: Retire Rich With Your Self-Directed IRA: What Your Broker & Banker Don't Want You to Know About Managing Your Own Retirement Investments by Nora Petersonchi USA Best Books Awards 2007 Business: Personal Finance Finalist: Retire Rich With Your Self-Directed IRA: What Your Broker & Banker Don't Want You to Know About Managing Your Own Retirement Investments by Nora Petersonchi
The Complete Guide to Creating Your Own Living Trust: A Step-by-Step Plan to Protect Your Assets, Limit Your Taxes, and Ensure Your Wishes are Fulfilled You worked hard for your money, so it's only natural that you want some control over what happens to your assets in the event of your death. At the very least, you probably want to minimize or avoid potential hassles and headaches for your loved ones. A living trust, created while you're alive, lets you control the distribution of your estate. You transfer ownership of your property and your assets into the trust. You can serve as the trustee or you can select a person or an institution to be the trustee. If you are the trustee, you will have to name a successor trustee to distribute the assets at your death. A living trust is probably the best strategy to avoid probate, protect your financial privacy, and provide long-range planning advantages. If you want to protect your assets and make sure they are distributed according to your wishes, you should think about establishing a living trust. It can be designed to manage your investments now and provide broader financial management later to make provisions for a surviving spouse, children, or other family members, and to reduce the impact of estate taxes or avoid probate. What are the advantages of a living trust? Properly drafted and executed, it can avoid probate because the trust owns the assets ‑ not the deceased. Only property in the deceased's name must go through probate. The potential downside? Poorly drawn or unfunded trusts can cost you money and endanger your best intentions. Many books on estate planning and living trusts indicate you do not need the services of an attorney, while we highly recommend an attorney versed in this area to assist you. We do not recommend going through the process alone. What this book will do is explain the complicated issues, terminology, and planning strategies of living trusts to the layperson (me and you). When you meet with a qualified attorney you will be well prepared, versed in the language, and ready to discuss issues and strategies that you will be familiar with, saving time, legal fees, and ensuring peace of mind. Get started today with the help of this new book. ISBN-10:1-60138-113-1 • ISBN-13:978-1-60138-113-2 • Item #9781601381132 • $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
The Savvy Business Traveler's Guide to Customs and Practices in Other Countries: The Dos and Don'ts to Impress Your Host and Make the Sale So you jump off the plane ready to meet your foreign counterpart and close that big business deal. You are too far away to shake hands so you make a circle with your thumb and forefinger up into the air for all to see, meaning "OKAY!" - to you. There is a problem. We hope you are not in France where it means, "You are a zero," or in Japan where it is a blatant symbol for money, or in Brazil where it is just plain vulgar. Avoiding cultural gaffes such as these is critical to success in international business. Lack of familiarity with the business practices, social customs, and etiquette of any country can weaken your firm's position in the market, prevent it from accomplishing its objectives, and ultimately lead to failure. There are many nuances in communicating with people in other countries, just as there are in America. This new book will be the next best thing to living in a foreign country. It will introduce you to some of the more important cultural differences, based upon a country-by-country break down. You will find country-specific information about business customs and protocol in more than 100 nations worldwide. You will understand business culture, successful communication, social etiquette, and negotiating tactics. With this book, you can proceed confidently through business deals that involve foreign travel and negotiations. Find out about proper gift-giving, business entertainment, travel, security issues, and much more. Some of the cultural pitfalls detailed are stereotypes, personal space, forms of address, demeanor, restroom customs, tipping, social and business visits, greetings and introductions, names and titles, proper manners, proper conversations, business dress, clothing, telephone and computer use, dining, gift giving, smoking, gestures, noises, numbers, calendar dates, time and temperature, holidays, weights and measures, jewelry, religious information, developing relationships, being on time, exchanging favors, and addressing women in business. 978-1-60138-013-5 1-60138-013-5 $24.95 9781601380135 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
The Complete Guide to Trustee Estate Management: What You Need to Know About Being an Executor Explained Simply One of the most critical decisions a person must make when crafting a will is who to name as executor. Being chosen for this important job is an honor, and you must know how to perform the tasks correctly. With the help of this new book, The Complete Guide to Trustee Estate Management, you will understand the complex process of carrying out a person's final wishes. This book will provide insight whether you are a lawyer, accountant, financial consultant, spouse, adult child, relative, or friend; the simple, easy to understand language makes this book accessible to everyone. You will become familiar with many estate management terms, such as beneficiary, probate, remaindermen, trust agreement, trust property, trustor, and trustee. In addition, you will learn the many duties and responsibilities of an executor, including the disbursement of property to the beneficiaries, collecting and arranging for the payment of debts, approving and disproving creditors' claims, calculating taxes, filing forms, assisting the estate attorney, acting as the representative of the estate, inventorying and appraising the assets, and acting in the best interests of the deceased. After reading this book, you will know how to initiate probate; how to preserve the value of the estate; how to notify beneficiaries; how to send notices to the post office, banks, utilities, and credit card companies; how to file for Social Security, civil service, and veteran benefits; how to file tax returns; and how to file state death and federal estate tax returns. As executor, you will be responsible for settling the deceased person's estate. Using this book as a guide, you can be assured that you will be prepared to properly perform the necessary duties entrusted to you. Item# 9781601382016 $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
How to Retire Comfortably and Happy on Less Money than the Financial Experts Say You Need: Insider Secrets to Spending Less While Living More Imagine a retirement filled with blue skies, soft sand, and refreshing breezes. Picture yourself spending your days lounging in a hammock and listening to the waves roll onto the shore. You may be thinking that this scenario sounds great but that you cannot afford it. However, that is where you are mistaken. What If I Don't Have Enough Money to Retire? shows you how you can achieve your dream retirement without obsessing about saving and without overspending. As senior citizens age, they tend to go through less money; in fact, the typical over-75 household spent only $25,763 in 2004. This is in direct contrast to financial planners who tell you that you need to save large amounts of money in order to live comfortably during your retirement years. In this new book, you will learn how to manage your expenses, how to reduce and eliminate debt, how to save and invest wisely, how to use retirement planning tools, how to reduce living expenses, how to downsize to a smaller, less expensive property, how to save on small items, how to prioritize your insurance, and how to cut back. Additionally, you will learn about withdrawal plans, selling your home, simplifying your life style, and streamlining postretirement activities. Perhaps most interestingly, you will be presented with the option of moving overseas when you retire. Places such as Costa Rica, Panama, Belize, Malta, and Mexico offer lower living costs and lower prescription drug prices. In fact, approximately one million retirees live abroad. This new book will provide you with a wealth of ideas about retiring with less money. You may have thought that a comfortable, happy retirement was out of reach, but if you read this book you will find countless ways to achieve your goal. Item#: 9781601382047 $21.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
The Complete Guide to Wills, Trusts, & Estates: What You Need to Know Explained Simply Most people find thinking about the possibility of disability or death extremely unpleasant; however, planning for these occurrences in advance will reduce potential stress later in life. With the help of this new book, you can take the guesswork out of planning and finally understand the complex processes. The Complete Guide to Wills, Trusts, & Estates will provide you with all the information you need to choose, set up, and execute a will, trust, or estate. You will learn the terminology, including such words as beneficiary, probate, trustor, trustee, assets, guardianship, and executor. You will also learn about trust agreements, trust property, settlement costs, life insurance, durable power of attorney, marital deductions, gift splitting, survivorship deeds, gift tax issues, generation skipping transfer tax, tax deferred accounts, and advance directives. Furthermore, you will learn how to protect your financial privacy, how to plan for long-term care, how to reduce or eliminate taxes, and how to choose beneficiaries and executors. By reading this book, you will understand the differences among living trusts, 529 plans, limited term trusts, life insurance trusts, estate freeze trusts, qualified personal residence trusts (QPRT), privacy trusts, A/B trusts, qualified terminable interest property trusts (QTIP), child's trusts, and irrevocable trusts. You will know which will, be it holographic, nuncupative, self-proving, statutory, simple, joint, living, mutual, ethical, electronic, or video, fits your needs. In addition, you will be provided with estate planning strategies in easy to understand language that will make the task seem much less burdensome. Whether you are writing your will, establishing a trust, or planning your estate for the first time or you are updating or revising your previous plans, The Complete Guide to Wills, Trusts, & Estates will give you all the tools and knowledge you need to decide where your assets will go when you die and to whom. Item# 9781601382030 $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
Your First Cruise: A Complete Guide to Planning and Attaining the Perfect Cruise Vacation Each year, over 11 million people take a cruise vacation. Cruising has become one of the fastest growing vacation alternatives in the 21st century. The experience of cruising is unlike any other. If you have never cruised before, imagine being pampered at a luxurious resort and waking up each morning to a brand new, stunning view of the world. But your first cruise can be a little confusing, and you may not know what to expect or what to do. You could spend much of your vacation just figuring out how the cruise vacation works. Do not waste a moment of your precious vacation time if you want to take the plunge and go on your first cruise. This new book will be your traveling companion and answer the myriad of questions that arise when planning a cruise. By reading this book, you will learn what to expect while on a cruise. You will learn how to choose a cruise line, ship, and cabin, how to choose a cruise vacation, how to pick a destination, how to avoid cruise scams, how to book online, how to cruise on a budget, how to watch for hidden costs, how to book excursions, how to pack, how to get to the cruise terminal, how to get married onboard, how to connect back to home, how tipping works, how to plan a reunion or family cruise, and how to get off the ship. You will become knowledgeable about cruising myths, planning timelines, cruise insurance, cruising terms, travel agents, air/sea packages, sailing ship and river cruises, pre- and post-cruise travel, what clothing to bring, special needs passengers, singles on cruises, seniors on cruises, cruise costs, group cruises, last minute packages, passports and other critical documentation, travel rules and regulations, luggage, daily newsletters, room service, sports and exercise areas, seasickness, duty free port shopping, entertainment, libraries and game rooms, bars and lounges, private receptions, the spa, compulsory safety drills, life rafts, on board activities, the purser's desk, cruise cards, the dreaded norovirus, security, formal nights, pictures, your cell phone, walkie talkies, your final bill, and U.S. customs. In addition, we will answer the questions you might be too embarrassed to ask, such as: Why a cruise vacation? What is a guaranteed cabin? Which dining time is best? What should I expect? What will my cabin be like? Will I get wet when I go snorkeling? All this and more than you need to know for your first cruise will be covered in this new book. Item#: 9781601381514 $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
The Complete Guide to IRAs & IRA Investing: Wealth Building Strategies Revealed As more and more baby boomers prepare to retire and as people seem to be retiring at an earlier age, the importance of saving for retirement has become increasingly apparent. Many people find themselves worrying that they will not be able to maintain their current life style once they retire. However, the strategies provided in this book will help you turn your IRA into a wealth-building tool. The Complete Guide to IRAs and IRA Investing will show you how to take control of your investment future and make sure your investments are performing for you. You will learn about Roth IRAs, traditional IRAs, SEP IRAs, SIMPLE IRAs, and self-directed IRAs, and you will learn how to choose the right plan for you. You will learn about the Economic Growth and Tax Relief Reconciliation Act of 2001, rules regarding distribution, rollovers, transfers, conversions between accounts, valid adjustments, adjusted gross income, annual contribution limits, the advantages and disadvantages of the various IRAs, potential penalties, tax deductible contributions, myths and truths about IRA investing, and IRS guidelines. In addition, we will show you how to open an IRA; how to choose the right financial advisor for you; how to manage vital information and deadlines; how to set up your account with a custodian or IRA administrator to deal with the day-to-day activities, such as depositing contributions and executing and settling transactions; and how to use your IRA to invest in mutual funds and stocks. You will also read about the specific rules relating to life insurance, collectibles, foreign investments, and real estate and find the answers to common questions, such as "How do rate returns affect my retirement income?" "When should I begin saving?" "What IRA am I eligible for?" This new book will provide you with all the information you need to know about IRAs and IRA investing. The Complete Guide to IRAs and IRA Investing combines essentials, insight, and insider secrets to help you secure financial victory after retirement. Item# 9781601382023 $21.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
Your Complete Guide to Leaving An Inheritance For Your Children and Others: What You Need to Know Explained Simply While more than 50 percent of Americans feel it is important to leave an inheritance for their children and other beneficiaries, the majority have not yet made any plans for their estate. This new book will serve as an aid in your planning, providing you with indispensable information and the necessary tools. Whether you choose to arrange a trust or a will, you will learn how to do so, as well as how to manage and alter your plans. You will be able to choose which trust is right for you, be it living, incentive, Qualified Terminable Interest Property, charitable remainder, children's, support, family, or generation-skipping tax-exempt. You will decide which will - holographic, nuncupative, self-proving, statutory, simple, joint, living, mutual, ethical, electronic, or video - best fits your needs. Furthermore, you will learn about income only trusts, the Uniform Transfers to Minors Act, 529 plans, and Coverdell accounts. In this book, you will learn tips for distributing inheritance among children and what an appropriate inheritance is, as well as about inheritance taxes, exempt beneficiaries, disinheritance, durable power of attorney, and advance health care directives. Additionally, you will learn tips for distributing inheritance among children; what an appropriate inheritance is; how to prevent fights over inherited property; how to deal with adopted children, stepchildren, and children from a second marriage; how to select trustees and guardians; how to protect your money from a financially immature child, a child's spouse, and creditors; how to divide valuables and non-cash assets; and how to deal with the family home. Your Complete Guide to Leaving an Inheritance for Your Children and Others makes this difficult process easy to understand by using simple, every day language. If you are one of the many people who want to leave an inheritance but do not know where to begin, it is time to pick up this book and start planning. Item# 9781601382108 $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
The Complete Guide to Organizing Your Records for Estate Planning: Step-by-Step Instructions With Companion CD-ROM Planning your estate is a long, complicated process that requires much time and effort. The process of organizing your records for estate planning is equally time consuming and complex. Hiring an attorney to assist you may cost you more than you are willing to spend. With the help of The Complete Guide to Organizing Your Records for Estate Planning you can not only take charge of your estate planning documentation but also save time, money, and effort. In this new book, you will learn how to find an organizational system that works for you, where to look for records, what to record, who to tell, where to keep records, and how often to update your records. You will also find information on creating a will or a living will, setting up a trust, assigning power of attorney, and filling out health care directives. Additionally, you will learn about the documents that should be included in your estate plan, such as insurance policies, Social Security cards, birth certificates of minor children, stock brokerage statements, credit card numbers and statements, certificates of deposit, real estate deeds, mortgage statements, retirement account savings, non-retirement account savings, and current bank statements. The CD-ROM is filled with sample documents and worksheets, as well as a checklist of often overlooked information, including any medications you take, where you worked, where your savings and checking accounts are located, where your car title is located, what your funeral plans or wishes are, and who should receive what. The Complete Guide to Organizing Your Records for Estate Planning will help you prepare your documents and record your final instructions and wishes. By using the information provided in this book you will save money you might otherwise have spent on legal and accounting fees. In addition, you will save your family the frustration of searching for these documents if something should ever happen to you. This book, written in easy to understand language, will walk you through the process of organizing your records and make the process much easier for you and your family. Item #9781601382351 $21.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: SPRING 2008
The Complete Power of Attorney Guide for Consumers and Small Businesses: Everything You Need to Know Explained So You Can Understand It Every year, thousands of medical, financial, and legal issues crop up due to the confusion surrounding the specific directions of an individual incapable of making the necessary decisions about their estate, body, or finances. The same problems can arise for small businesses and, for that reason, understanding what power of attorney entails, and how you go about establishing it, is a vital step. This guide helps you cut away the confusing red tape and finally understand exactly what power of attorney involves and how you can use it to your advantage. The first thing you will learn is the various forms of power of attorney that are available to you, including for financial purposes, medical and health care purposes, living wills, childcare, and all-in-one purposes. The details of what an agent can supply in each instance will be provided to help you understand what each specific style of power of attorney will provide. The process of choosing your agent will be outlined in detail for you, including who is applicable and what important factors should be included in every discussion related to who your power of attorney will be. You will learn how to select a lawyer and whether you will be able to afford one in certain instances. You will be able to see what is involved in working with a lawyer and what you need to do if you decide to fire that particular lawyer. The federal laws and then the specific state laws that apply to your situation will be provided with details about how you can further research them to know how they apply to even more specific situations. For those seeking financial powers of attorney, you will learn how to limit the power of attorney, how that power applies to real estate, and how to acquire and use an affidavit of attorney in fact. For those with health care related issues, you will learn how a durable power of attorney operates for health care, how to choose someone to make medical treatment decisions, the creation and application of a living will, the specific presentation of a do not resuscitate order, and how to determine the distribution of anatomical gifts. Finally, issues such as child care and the revocation of a power of attorney will be discussed. With the assistance of dozens of interviews across multiple different fields with experts in law, family, and business applications of a power of attorney, you will be provided with an extensive overview of everything you need to know to effectively utilize this highly valuable legal tool. This book is the essential tool every small business or individual with need of a power of attorney needs. 978-1-60138-311-2 1-60138-311-8 Item #9781601383112 $24.95
The Complete Guide to Wills: A Complete Guide Explained So You Can Understand It Whether many people realize it or not, a will is a vital necessity in making sure all assets and wishes are properly attended to after death. Yet, according to a 2007 lawyers.com survey, more than 55 percent of all American adults do not have a will, assuming that because they do not have substantial assets, it is an unnecessary task. Many more people neglect it because it seems too complex and time consuming. Fortunately, with this guide in hand, you will have a comprehensive outlook on exactly what a will entails and what you need to do to prepare one. You will learn the basics of estate planning, starting with the outlining of your assets and understanding the various different forms of ownership style. The real and personal property lines, including how your marriage, children, and other legal relationships will affect your property rights, are included. You will learn what value life insurance can have and why every one should have an active policy before creating a will. In addition, you will learn how to measure and distribute assets from a pension, other retirement accounts, and if you own your own business. The difference between a trust and will is provided along with a reason why you should have both in hand at all times. You will learn what the probate court process entails and how attorneys and other legal issues factor into the process. Once the will creation process has begun, sections on how to decide the guardianship of your children and how to handle specific problem situations, such as marriage issues, disabilities, grandchildren you might care for, excess debt, and bankruptcy are provided. You will learn how to make sure your estate is taken care of so that there are no disputes amongst your family after your passing. Dozens of interviews were conducted with attorneys, tax accountants, and other experts to establish a set of clear guidelines to help you ensure your will is created with the best of everyone in mind. You will learn how to minimize the amount of taxes that will be levied on your estate, including through estate taxes, state taxes, and income taxes. You will learn how to use charitable donations, gifting, and other ploys to keep your wealth and possessions in the family. Other details covered include how to choose an attorney to execute the will, and what you can do to handle the surprises you will not be able to anticipate before filing your will. A chapter is included that helps you outline and keep track of how you will keep your will updated as you age and your estate changes. For any of the 125 million Americans without a will, this book is a vital tool to help you prepare your estate properly. 978-1-60138-312-9 1-60138-312-6 Item #9781601383129 $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: FALL 2008
The Complete Guide to Managing Your Parents' Finances When They Cannot: A Step-by-Step Plan to Protect their Assets, Limit Taxes, and Ensure their Wishes Are Fulfilled Every year, millions of Americans transfer their finances to their children or other family members because they reach a point at which they can no longer manage them alone. More than $95 million in 2006 alone was lost due to confusion in transferring these finances and the elderly are the ones who end up suffering. For those who are about to start managing the finances of their parents, it is important to know exactly how to protect their assets, manage their taxes, and live up to their wishes. This book has been written to do just that, providing a comprehensive walkthrough of what you can expect and how to successfully handle your parents' finances. To start, you must learn the basics of managing money that is not your own. You will be provided with a step-by-step chapter on how to keep track of funds, maintain the same accounting methods your parents have used for decades, and keep everything organized and separate from your own. You will learn how to evaluate sources of income - including how to receive and manage Social Security, 401(k), and other retirement plans as payments are made. Additionally, you will learn how to balance their expenses, including a budgeting sheet to help you maintain the same level of expense they expect. You will learn how to budget accordingly, depending on where your parents are living and what their medical expenses might be. A chapter on insurance and medical coverage is included to help you understand how much money you can expect to set aside for these expenses and how much should be covered by programs such as Medicaid. Learn how to maintain housing for your parents as well, whether they are in assisted living or staying with you. A guide on how to talk to your parents about fraud and keep them away from potentially dangerous opportunities will make it easier for you to keep a handle on their finances without taking away their freedom. Dozens of men and women who have gone through this same situation, and also professional finance managers, have added their expertise to this book, providing firsthand accounts of how they were able to manage their own parents' accounts and what you can expect. You will learn the difference in tax laws for the retired and what you will be required and not required to pay as a result of their age. It can be daunting when you first take control of your parents' finances, but with this book in your hands, you should be able to quickly and efficiently take the reins and maintain the quality of life they have grown accustomed to. 978-1-60138-313-6 1-60138-313-4 Item#9781601383136 $24.95 PRE-ORDER ONLY - YOUR CREDIT CARD WILL NOT BE CHARGED UNTIL THE PRODUCT SHIPS. RELEASE DATE: FALL 2008