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Financial Peace: Putting Common Sense Into Your Dollars and Cents

theDoc — Sat, 04 Sep 2010 15:57:37 +0000


A practical and spiritual guide on how to become free from financial stress draws on biblical wisdom to discuss how to get out of debt, simple rules of investing, using the principle of contentment, and more. Read by Dave Ramsey.

The Complete Guide to Planning Your Estate in California: A Step-by-step Plan to Protect Your Assets, Limit Your Taxes, and Ensure Your Wishes Are Fulfilled for California Residents (Back-To-Basics)

theDoc — Tue, 31 Aug 2010 15:57:37 +0000

What happens to your estate after you are gone is very much within your 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. To ensure your assets are protected and final wishes are carried out, there are some common actions that should 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 also allow for the possibility of your own disability. It should detail what you own and whom you want to leave it to at a time of your choosing and the way you want. Your estate plan should include fully disclosed, controlled costs for you and your loved ones. The last thing you want to worry about is having your estate 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. The Complete Guide to Planning Your Estate in California will help you glide through this complicated process. This new book has been adapted to offer Ohio residents state-specific advice for estate planning. Co-authors Margo Pierce and Linda C. Ashar, attorneys at law, have crafted an estate planning primer, allowing California residents to become more informed and more involved during the process. Many books on estate planning indicate you do not need the services of an attorney, but this book highly recommends using an attorney versed in this area: You should not go through the process alone. This book is intended explain the complicated issues, terminology, and planning strategies of estate planning so when you do meet with a qualified attorney, you will be well prepared. You will understand the legal terms and be ready to discuss issues and strategies with familiarity, saving you time and legal fees and ensuring peace of mind. California -specific information is offered throughout this book, including: California s probate code; California rules, regulations, and laws specific to estate planning; elements of a valid California will; planning your living will in California; explanations of In California diana laws regarding durable health care power of attorneys, do not resuscitate (DNR) orders, and directives to withhold CPR. The book s easy-to-understand context clarifies this complicated and sensitive subject and gives readers the power to take control of their future. This book also offers an overview of abatement rules, settlement costs, guardianship and minor children, executors and trustees, life insurance, potential long-term care needs, marital deductions, types of trusts, gift splitting, survivorship deeds, 529 plans, 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 few people want to think about the possibility of disability or disease, advance planning is also a way to show your love and to reduce potential distress later. Other books offer a non-state-specific overview of estate planning, causing many readers to be misinformed about rules and regulations particular to their state; but, this new book provides information California residents need to know. Do not get outdated or wrong information that does not pertain to you specifically. Use this new book to craft an estate plan that is not only legally sound but also fully carries out your last wishes and protects your loved ones.

Real Life Financial Planning: An Easy-to-understand System to Organize Your Financial Plan and Prioritize Financial Decisions

theDoc — Wed, 25 Aug 2010 15:57:37 +0000

There is an abundance of information out there on financial planning - tips on general investment strategies, methods for portfolio diversification, steps to turn hundreds into thousands - but these don't always incorporate sound, experience-related, applicable advice. In Real Life Financial Planning CFP Todd Bramson strives to impart the knowledge he has gained from 20+ years working directly with individuals, customizing their financial plans and addressing their specific questions. Contrary to most financial planning publications and plans themselves, which assume everyone lives a long life and saves a good portion of their income through quality investments, this book addresses issues that arise in real life - those both expected and unforeseen - and stresses the importance of working with a trained professional to develop and implement a financial plan that meets individual goals and objectives. At its core, this title sets forth practical methodology for understanding, organizing and prioritizing financial decisions, whatever the intended outcome may be. You will learn how to prioritize your many competing financial decisions and manage your complex financial life. The result is a financial plan that decreases worry and stress, knowing that you are in control and are systematically building and protecting your wealth. There is an amazing amount of practical advice packed into this book based on the wisdom gained from over 10,000 individual meetings that Todd has had with his clientsÃ�â�¦people just like you. You will learn to: organize your financial affairs to meet your needs; prioritize decisions so that you know what to do when; maximize financial security with correct insurance and asset protection strategies; get control of your financial life; begin a path toward financial independence, and much, much more!

The Wall Street Journal. Guide to Starting Your Financial Life

theDoc — Thu, 05 Aug 2010 15:57:37 +0000

Your Road to Lifelong Financial IndependenceItâ��s about time you felt empowered to better manage your money becauseâ��in tough economic times more than everâ��your financial freedom depends on making smart choices. But itâ��s hard to know where to begin, especially when youâ��re just starting out. And of course, it only gets more complicated as you go through life: How do you establish good credit? Do you buy or rent? What kinds of health coverage do you really need? How do you actually stay afloat in an uncertain market? The Wall Street Journal Guide to Starting Your Financial Life gets you off on the right financial foot, from tackling everyday choices like cell-phone plans and pet ownership to big decisions such as smart investment strategies and buying a car or a house. Youâ��ll learn:â�¢ How to open your first checking and savings accounts, get your first credit card, and establish good creditâ�¢ The ins and outs of starting a job, including information about taxes, choosing health insurance options, and saving for retirement â�¢ How to budget for big purchases and expenses, such as paying off student loans, buying a car, and affording your housingâ�¢ Strategies for buying the little things you want and need without going broke â�¢ The basics of investing, how to manage an inheritance, and the documents you need to protect your assetsThis valuable resource puts you in the driverâ��s seat, so you will be in control of your money and on your way to achieving lifelong financial independence across any economic terrain.

Live Long Live Rich: Creating Your Retirement Paycheck with Award Winning Retirement Planning

theDoc — Tue, 03 Aug 2010 15:57:37 +0000

Winner - Books And Authors - Retirement Planning Book - 2008 In these turbulent times it is important to maximize your income while keeping risk in check. Live Long Live Rich is the leading continuing education book for financial professionals on retirement income. Live Long Live Rich is the first guide for people who want to know how to invest to create retirement income. Retirement is a new chapter in your life and should be a time free from worry. Live Long Live Rich provides the tools and practical advice you'll need to enjoy this time of your life like no other. Every word of this book was written with that in mind. For 20 years H Craig Rappaport has been helping individuals with retirement income planning. Rappaport is a graduate of Northeastern University with a degree in Finance and an Accredited Wealth Management Advisor from the University of Pennsylvania, Wharton School. He is a Financial Planning Specialist, A Guided Portfolio Manager, and a National Football League Players Association Advisor. Specializing in retirement, Rappaport has appeared in the Wall Street Journal, Fox News, CNN Headline News, The Dow Jones News Service as well as many television shows, magazines and newspapers. Rappaport's unique ability to explain complex investments in simple, easy to understand terms has kept the media coming back time and time again and is why he has written Live Long Live Rich, which is quickly becoming the investors' "Income Bible". The free software download has received numerous awards; PC World and Readers Digest included it in their list of "Best Retirement Planning Software" Family PC Magazine calls it "a top notch product" Bloomberg Personal Finance says it's an "easy to use retirement planner" Barrons refers to it as "a good simple tool" Life Insurance Magazine describes it as "fast and intuitive - Retirement Planner is a snap to use and may represent the leading edge in a new kind of illustrative software. The user will get everything right away."

Long-Term Care: Your Financial Planning Guide

theDoc — Sun, 01 Aug 2010 15:57:37 +0000


Consumer text provides information on how to design a strategy for long-term care planning. Includes data on financing, various insurance policies, reverse mortgages, Medicaid, and Medicare. Also contains updated directories of insurance departments, aging and health agencies, and Medicare/Medicaid divisions. Softcover.

The Financial Universe: Planning Your Investments Using Astrological Forecasting : A Guide To Identifying The Role Of The Planets And Stars In World Affairs, Finance, And

theDoc — Mon, 26 Jul 2010 15:57:37 +0000

Deconstructs the future in clear masterful strokes. An absolute must read text not only for professionals in financial services and related industries but also for anyone who relies on the future for business and personal planning. Written by one of the world's foremost financial astrologers, 'The Financial Universe' highlights periods to maximise investment returns and minimise portfolio losses through exposure to geopolitical events and circumstances, and financial market hotspots. This important new text maps out potential responses by international stock markets to world events that are predicted between now and the year 2020. The book is written for those who have little understanding of astrological terminology. The book deconstructs the complex relationship of planetary alignments, sun spot patterns, and other cosmic influences. Through astrological forecasting The Financial Universe illustrates the direct impact that world events might have on global stock markets. It presents not only a compelling analysis of the financial astrology behind previous market events but also suggests concrete strategies for professionals to confront challenges which lie ahead. Specific chapters are devoted to the City of London market and Wall Street. Important market turning points to be anticipated in the years 2004-2020 are forecast and explained against world affairs, and finance and investment opportunities.

Rich Dad’s Rich Kid, Smart Kid: Giving Your Children a Financial Headstart

theDoc — Sat, 24 Jul 2010 15:57:37 +0000

Growing up with two father figures, a Rich Dad and a Poor Dad, Robert T. Kiyosaki understood well the importance of financial planning. In this easy-to-read parenting guide, Kiyosaki and co-author Sharon Lechter design a step-by-step guide to moms and dads to explain to their children the basics of our financial economythe employees, the self-employed, the business owners, and the investors. The authors explain that providing children with financial problem-solving skills, can help to ensure a profitable future.

Retirement Security: Understanding and Planning Your Financial Future

theDoc — Tue, 06 Jul 2010 15:57:37 +0000

Millions of Americans face the possibility of a personal retirement crisis in the coming years. In the not too distant future, known demographic trends, projected financial imbalances in Social Security and Medicare programs, changes in employer pension and retiree health plansâ��and inadequate planningâ��threaten to derail your retirement security. Only through personal education, informed planning, and disciplined action can you insure a reasonable standard of living and quality of life throughout your retirement years. Retirement Security provides complete, candid, and insightful advice to help you separate retirement fact from fiction. Written by a retirement policy and planning expert with extensive experience in government and the private sector, this self-contained guide gives you the knowledge and the tools you need to make the most of your earnings and investmentsâ��both now and in the future. You will gain a solid understanding of the many components that affect your retirement security and the factors that drive them, including full coverage of Social Security, Medicare, pensions, retiree health arrangements, personal savings, and more. You will also find out how to design, implement, and amend your own retirement strategy, using a straightforward and effective seven-step method based on sound and proven retirement savings and investment principles. Whether you are embarking on a career, nearing retirement, or already retired, don't let your golden years be tarnished by financial insecurity. Retirement Security will show you how to plan, save, and invest in your future so that you can afford to retire. What is likely to happen to Social Security and Medicare programs? How can I make the most of my employer-sponsored pension and savings plans? How much income will I need for retirement? How should I invest what I save? When should I use IRAs or Keoghs? Now you can find answers to these and other critical questions in one bookâ��Retirement Security, the most comprehensive and authoritative guide to retirement planning currently available. Combining sound analysis of the different components of retirement income with practical guidance on developing your own retirement strategy, the book's unique, two-pronged approach gives you the knowledge and the tools you need to make the most of your financial resources both now and in the future. Key features include: Comprehensive coverage of Social Security, Medicare, pensions, retiree healthcare, personal savings, and more. Clear explanations of the impact of demographics, economics, law, and politics on public and private sector programs and investments. A straightforward and effective seven-step method for devising and implementing your personal retirement plan. Crucial savings and investment principles to guide your retirement strategy. Informed guidance on where to seek further information about your government and employer-provided retirement benefits.

Rich Dad’s Increase Your Financial IQ: Get Smarter with Your Money

theDoc — Fri, 02 Jul 2010 15:57:37 +0000

For years, Robert Kiyosaki has firmly believed that the best investment one can ever make is in taking the time to truly understand how one's finances work. Too many people are much more interested in the quick-hitting scheme, or trying to find a short-cut to real wealth. As Kiyosaki has preached over and over again, one has to truly under the process of how money works before one can start out on trying to escape the daily financial Rat Race.Now, in this latest book in the popular Rich Dad Poor Dad series, Kiyosaki lays out his 5 key principles of Financial Intelligence for all to understand. In INCREASE YOUR FINANCIAL IQ, Kiyosaki provides real insights on these key steps to wealth:o How to increase your money -- how to assess what you're really worth now, what your prospects are, and how to start mapping out your financial future.o How to protect your money -- for better or for worse, taxes are a way of life. Kiyosaki shows you that "it's not what you make....it's what you keep."o How to budget your money -- everybody wants to live large, but you have to learn how to live within your budget. Kiyosaki shows you how you can.o How to leverage your money -- as you build your financial IQ, knowing how to put your money to work for you is a crucial step.o How to improve your financial information -- Kiyosaki shows you how to accelerate your wealth as you learn more and more.