Bøger udgivet af People Tested

Estate administration is an on-the-job learning experience that most hope they will never have to experience. What's the Deal With Estate Administration? answers the questions that you didn't even know to ask, especially at a time that is quite overwhelming for all of us. In her previous book, What's the Deal With Estate Planning? Peggy R. Hoyt provided a fresh new approach to thinking about estate planning that focuses on the personal aspect, not just the documents involved! Her unique approach to estate planning addressed questions regarding planning for mental incapacity, planning for long term care and ultimately, planning for your death. This book starts where her last one left off. Peggy deals with the mystery of estate administration in a straight-forward and easy-to-understand format. Estate administration is essentially a three-step process: 1. Identifying, gathering and valuing estate assets 2. Identifying and paying all creditors, including taxes 3. Distributing the remaining estate assets to the proper beneficiaries Included in those three important steps are lots of additional steps intended to comply with relevant state and federal laws. This book will help you navigate some of the most important estate administration questions you'll encounter. Some of the topics What's the Deal with Estate Administration? tackles are: - What to do when a love ones dies - What not to do - Probate is not a four-letter word - The difference between wills and trusts - The importance of asset ownership - Avoiding the morbid scavenger hunt - Dealing with income, estate and other possible taxes - Pre-planning your memorial service - Accomplishing your own estate planning goals While the overarching goal of estate administration is to distribute the assets to the intended beneficiaries, no two estate administrations will ever be the same. That's because every family is different. What's the Deal with Estate Administration? provides insight and guidance--crucial to making sure your estate plan works the way you intend.

Have you had "the talk" yet? No, this isn't the one you have with your kids about sex, hoping you actually know more than they do. This talk is the one adult children have with their parents about their parents' retirement and aging and such concerns as medical proxies, healthcare and estate planning, wills, trusts, and the fact that 70% of people over age 65 will require some form of long-term care. This book focuses on the talk and incorporates Jack Tatar's innovative Four Keys approach to a safe retirement. By following Jack's game plan laid out in his book, you will understand: - What the talk is and why it's important to have it earlier, rather than later - How to start the talk with your parents and use talking points to keep them engaged - What to discuss during the talk, ensuring that all the important topics and details are covered - How to create, maintain, and review a financial plan for retirement - The latest up-to-date information on health matters pertaining to retirees - How to maintain a positive attitude in retirement - How to create an effective social structure and network for retirees. The talk is often not a single discussion, but rather something that's ongoing and detailed. It will help create a safe retirement for your parents and peace of mind for your entire family. It will also provide adult children with the understanding they'll need when considering their own retirement and an appreciation of the value and importance of having this talk with their own children. Like Jack's previous books, Safe 4 Retirement: The Four Keys to a Safe Retirement and The 10 Joys of a Safe Retirement, this new book will change the way you think about retirement. The talk will bring families together so that they stay together.

In his book, Having The Talk: The Four Keys to Your Parents' Safe Retirement, Jack Tatar provided a game plan for having one of the most necessary and vital family conversations--the talk between adult children and their retired or retiring parents. As Jack stresses, the talk is best done sooner rather than later and his approach to having the talk goes beyond just the financial aspects to also consider what he calls the Four Keys to a Safe Retirement. In this concise and informative book, Jack collects recent articles and excerpts from his book on this topic to provide the reader with an easy to read book that can be read and shared between families in order to ensure that "the Talk" occurs. In this book, Jack covers the following: - What are the Four Keys to a Safe Retirement? - How do you Begin the Talk? - What are the Six Vital Financial Questions to ask? - What are the Danger Signs for Elderly Investors? - What are the 5 Critical Health Questions to Ask? - Should we discuss Long-Term Care Planning? - How do you Leave a Legacy in Retirement? - How Can You Find Purpose in Retirement? - What is the Secret to a Longer Retirement? - How Important is Social Networking for Retirees? - Should My Parents Move Closer to Me? - And more! This book also contains a special offer for all readers to gain 50% off of Jack's innovative home study program that helps retirees and pre-retirees to achieve a Safe Retirement.

Ah, Retirement. You think you have achieved the stage of life where all your hard work finally pays off. You are looking forward to enjoying the fruits of years of labor and saving ahead. It's the time to travel, take it easy, and do the things that you put aside for the future when you have time. Ultimately, it is time for you. But, there is just one more thing to consider before you sit back and cruise for the remainder of your life. It's time to plan for your health coverage. Thanks to the Affordable Care Act (ACA), and the regulations found in Social Security's Program Operations Manual system (POMs) you are required to have health care coverage in order to maintain your quality of life, meet the federal guidelines and keep your Social Security benefit. During your retirement that health coverage is Medicare. Under ACA, credible health insurance is mandated for everyone. What you may not know is that once you are retired, are at least 65 years old and are receiving Social Security benefits you must accept Medicare when eligible. If you fail to accept Medicare you will forfeit all of your Social Security benefit. That's right, since 1993, you have to have health insurance, that is Medicare...or else. So now that you know, what do you do about it? How do you plan for it? And how do you pay for it? When it comes to saving and investing for retirement, many Americans have done a pretty good job. The financial planners are more than willing to show us how to invest and how to save. But how many of you are planning for the mandatory expense, your health coverage? Additionally, the information is just not that easy to find. Instead of bombarding you with 300 pages of text on the subject of Medicare, this book is a crash course on everything Medicare. It covers: When and Why Medicare was created. It gives you an overview of the Parts of Medicare. You will find out how to enroll, when you will be eligible and what the coverage will cost you. We hope that this book can help you plan accordingly for the next phase of your life.

New Book Addresses the Realities of How Obamacare and Rising HealthCare Costs Will Hurt Retirees For Many Years! Powerful and Controversial New Book Written by Seven Retirement Experts Examines the New Realities of Retirement and Provides Actionable Solutions We've been trained, advised and educated that the key to enjoying a long and prosperous life in retirement depends upon our ability to maximize the growth of our assets so that we have as much retirement income as possible. But as we know, retirement is not the same as it was years ago. Investment challenges, the complexity of investment vehicles, and government intervention have changed the retirement landscape for all of us looking towards a long and thriving retirement. Yet what hasn't changed is the fact that we continue to do the same things that we've done for years when it comes to retirement. So, if you were doing something wrong, when would you like to know about it? Early enough to be able to do something, or do you want to wait until the last possible moment? Currently there are millions of people planning for their retirement and unfortunately what they are doing is wrong. There are many factors for this, including 3 obscure rules from the Federal Government, changes to the cost of healthcare and other items that most Americans are unaware of, that will force people to change their thinking about saving and funding their retirement in the future. In order to help people to save their Social Security benefits, lower their tax obligations, maximize their retirement income and control their health costs in retirement, we've gathered seven of the leading retirement experts writing today to point out the realities of the new rules of retirement and what you can do to take back control of your future. Seven of the leading retirement experts provide the facts, realities and solutions around these topics: - Dan McGrath: The New Rules of Retirement - Michael Gerali: The REAL Truth about Medicare and Social Security - Robert Ryerson: Financial Planning for the New Retirement - Robert Klein: The Truth about Annuities - Justin Belair: The New Approach to Estate Planning - John Marroni: What to Know about Reverse Mortgages - Mike Padawer, author of What's the Deal with Long-Term Care?: The Economic Realities of Long-Term Care With an Afterword by Jack Tatar, author of Safe 4 Retirement: The Four Keys to a Safe Retirement and Having The Talk: The Four Keys to Your Parents' Safe Retirement

With a "retirement boom" to continue for the next twenty years, planning for those retirement years is critically important; and there may be no greater threat to a comfortable retirement than the need for Long-Term Care. Nearly 70% of Americans over age 65 will need some form of Long-Term Care as they age, yet studies show that fewer than 10% of Americans have completed any Long-Term Care Planning whatsoever. You need to include Long-Term Care into any retirement plans that you have! But what is Long-Term Care? Do I need it? How do I find the right solution? The goal of this book is to help you - the consumer - become better educated about Long-Term Care and Long-Term Care Planning, and after reading it, you should be prepared to move forward with planning for yourself or your family. This book will provide you with answers to the following: - What Long-Term Care is and why it's critically important to plan for it - The physical, financial and emotion impact of Long-Term Care - Understanding healthcare in retirement and the myths of Medicare/Medicai. - Initiating and successfully moving through the planning process - Long-Term Care Plan designs and options to customize your plan - Tax-Advantages to compliment other financial & retirement planning - Tips for working with the right Long-Term Care Planning specialist - And helpful resources for Long-Term Care Planning

Are you and your family prepared in the event of a disability or death? In her previous book, Straight Talk! About Estate Planning, author Peggy Hoyt provided a fresh new approach to thinking about estate planning that focuses on the personal aspect, not just the documents involved!To be relevant, your estate plan must be well-counseled, fully funded and up to date. Don't rely on your state's default laws to create an estate plan for you - create one for yourself that meets your specific needs, goals and concerns. This requires that you understand your own situation and that of your family - and every family is unique! What's the Deal With Estate Planning? explores Peggy's unique approach to estate planning and addresses important questions regarding planning for mental incapacity, planning for long term care and ultimately, planning for your death, including a peak into what happens when someone dies. In this book, Peggy addresses the following questions: Why is Estate Planning Important? Should I Plan for Mental Disability? Doesn't the Government Pay for Long Term Care? How vital is a Will and what does it provide for me and my family? Can you Trust Your Family? What if I have Unique Planning Concerns? Are Taxes a Big Concern? What Should I Do When Someone Dies? What about my Pets? This book also discusses the latest information for same-sex couples. It also includes a comprehensive list of resources for further information so that you can stay up to date with the latest laws and advice. Remember, every family's situation is unique - a cookie cutter approach to estate planning will not work! It's your family - provide them with the best possible outcomes. Educate yourself today before meeting with your estate planning professional tomorrow. Let Peggy's book help you and your family plan for the future.

Time management is a challenge for everyone, but it is a particularly daunting challenge for middle and high school students. There is an expectation that at their age they should be independent and know how to get things done on their own. But teens are busier than ever. Between homework, school, afterschool activities, family, friends, jobs, and more, teens often find that their time is truly NOT their own. Add in the fact that they often lack the tools to manage their time; maybe it's a little unrealistic for parents to expect their teenagers to instinctively know how to manage time. "What's the Deal with Teens and Time Management" takes parents step-by-step through the basics of teaching their teens the time management skills they need to succeed--at school, at work and in life! This is a user-friendly guide full of best practice solutions for helping teens stay on top of their homework, avoid procrastination traps, get out the door in the morning with minimal conflict and manage the use of their electronics. In a readable, breezy and witty fashion, Josel opens the door to the world of time management, what it really means, why it's important and why your teen probably doesn't "get it." And throughout the book, Josel offers up the "Triple Ts" - her tried and true Tips, Tools and Techniques - to provide support and guidance for parents looking to help their teens understand, develop and implement time management skills. In this book, you'll learn: - The FIVE mindsets parents need to start their teen on the journey of time management awareness. - How to create a "Personal Homework Profile" to better understand how your teen tackles homework. - How to help your teen create a time sense and develop "future awareness". - How to pick an appropriate paper or electronic academic planner and how to properly plan their time. - How to create a peaceful and calm morning routine to get your teen out the door in the morning without anxiety and frustration. - Case studies, useful resources, Leslie's straight talk and much, much more! Time Management is a Life Skill that Doesn't Come Naturally to Everyone. It Can be Learned.