Download 4 Steps to Financial Security for Lesbian and Gay Couples: by Harold L. Lustig PDF

By Harold L. Lustig

The 1st monetary advisor adapted completely TO LESBIAN AND homosexual ON find out how to safeguard THEIR resources whilst legislation FAIL

Lesbian and homosexual can in attaining good, long term monetary security--but they should arm themselves with foresight, wisdom, and evidence. That's what this e-book is all approximately. Now, drawing on greater than twenty years' adventure as a monetary adviser to lesbian and homosexual undefined, Harold L. Lustig has written the definitive monetary consultant for you and your partner.

Through Lustig's 4 easy-to-follow steps to monetary security--PLAN, PLAN, PLAN; shield WHAT'S YOURS; imagine group; USE NON-CONVENTIONAL knowledge AND TAKE ACTION--this helpful publication promises practicable monetary concepts and up to date info on

- property planning--why it's specifically important for you and your enjoyed one
- Tax benefits on hand to you--and to not legally well-known couples
- decreasing your tax load via charitable contributions and transferring assets
- A household companion agreement--why it truly is serious on your monetary well-being
- heading off the "gay penalty" on long term future health care and retirement plans
- information for investment a faculty education--without losing into the red
- Reentering the task marketplace while you are HIV positive
- procuring and fine-tuning incapacity insurance
- The evidence approximately joint ownership
And a lot more!

Despite detrimental legislation, you could guard your resources, supply for retirement, steer clear of discriminatory consequences, and make sure that you simply and your associate get pleasure from and percentage what you've earned jointly. From development and moving wealth with existence assurance to making files that safeguard you whilst marital legislation don't, this transparent, shrewdpermanent, useful advisor presents the fundamental monetary info that each lesbian and homosexual couple wishes and merits.

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Additional resources for 4 Steps to Financial Security for Lesbian and Gay Couples: Expert Advice for Reducing Your Tax Burden, Increasing Your Wealth, and Protecting Each Other

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The following areas are covered. (i) Size of U K payments card market (ii) U K Bank credit card market shares (iii) Bank current account holders who also have credit cards (iv) Regional breakdown of credit card ownership (v) Socio-economic profiles of credit cardholders (vi) Sex of credit cardholders (vii) Age and income profiles (viii)Methods of payment; as a percentage of total expenditure (ix) Patterns of credit. 2]. There are three main types of data. Firstly, the volume and value of debit and credit clearing.

Where changes in balances are displayed, they may exclude the effect of the ASSETS AND LIABILITIES: MONETARY SECTOR 31 difference in coverage in the period in which it occurred. Footnotes will, whenever possible, be given quantifying the difference. In the monetary sector statistics changes have yielded significant discontinuities in the series. These are outlined in the table below. 3 Valuation Adjustments. F r o m the second calendar quarter of 1975, the changes in assets and liabilities in foreign currencies have been adjusted to exclude the effect of movements in exchange rates (to the extent that the total adjustments made to foreign currency assets does not equal the total of adjustments to foreign currency deposits, a net adjustment is made to non-deposit liabilities).

Monthly data is shown for 2 years, quarterly for one and a half years and annual for 5 years. The same table 32 BANKS AND OTHERS gives the liabilities and assets outstanding at the end of period, quarterly for one and a half years and annually for 4 years. 5]. 2]. This shows the end-year levels, split into public sector, private sector and overseas sector, sterling and other currencies for the latest 10 years. 24] titled " U K Monetary Sector: analysis of domestic deposit and lending" gives a further analysis of amounts outstanding.

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