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

By Harold L. Lustig

The 1st monetary consultant adapted solely TO LESBIAN AND homosexual ON the way to defend THEIR resources whilst legislation FAIL

Lesbian and homosexual can in achieving strong, long term monetary security--but they should arm themselves with foresight, expertise, and proof. That's what this ebook is all approximately. Now, drawing on greater than twenty years' event as a monetary adviser to lesbian and homosexual undefined, Harold L. Lustig has written the definitive monetary advisor for you and your partner.

Through Lustig's 4 easy-to-follow steps to financial security--PLAN, PLAN, PLAN; defend WHAT'S YOURS; imagine neighborhood; USE NON-CONVENTIONAL knowledge AND TAKE ACTION--this worthwhile publication offers conceivable monetary recommendations and up to date info on

- property planning--why it's specifically very important for you and your enjoyed one
- Tax benefits on hand to you--and to not legally famous couples
- lowering your tax load via charitable contributions and transferring assets
- A family companion agreement--why it really is severe on your monetary well-being
- fending off the "gay penalty" on long term overall healthiness care and retirement plans
- guidance for investment a school education--without losing into the red
- Reentering the task marketplace while you're HIV positive
- procuring and fine-tuning incapacity insurance
- The evidence approximately joint ownership
And a lot more!

Despite negative legislation, you could defend your resources, supply for retirement, stay away from discriminatory consequences, and make sure that you simply and your associate get pleasure from and proportion what you've earned jointly. From development and moving wealth with existence coverage to making files that safeguard you while marital legislation don't, this transparent, clever, functional consultant offers the basic monetary info that each lesbian and homosexual couple wishes and merits.

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B. Usually, a warrant is issued as a sweetener to make the debt instrument more marketable. This enhancement allows the issuer to pay a slightly lower rate of interest. A warrant may be issued together with an issue of bonds or preferred stock, entitling the owner to purchase a given number of common shares at a specific price for a certain number of years. 9. C. Treasury stock is stock a corporation has issued and subsequently repurchased from the public in the secondary market. It does not carry the rights of other common shares, such as voting rights, rights to dividends, or preemptive rights.

2. 5. 1. 2 Income Many corporations pay regular quarterly cash dividends to stockholders. A company’s dividends may increase over time as profitability increases. indb 12 3/7/2011 9:16:06 AM Unit 1 Equity Securities 13 major reason many people invest in stocks. Issuers may also pay stock dividends (additional shares in the issuing company) or property dividends (shares in a subsidiary company or a product sample). T est T opic A lert Stock dividends are frequently paid by companies that wish to reinvest earnings for research and development.

1. 3. 2. 1 Straight Preferred Straight preferred (noncumulative) has no special features beyond the stated dividend payment. Missed dividends are not paid to the holder. 1. 3. 2. 2 Cumulative Preferred Buyers of preferred stock expect fixed semiannual dividend payments. The directors of a company in financial difficulty can reduce or suspend dividend payments to both common and preferred stockholders. Most likely, the corporation will never make up any dividends common stockholders miss. In contrast to this, all dividends due cumulative preferred stock accumulate on the company’s books until the corporation can pay them.

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