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4 Steps to Financial Security for Lesbian and Gay Couples
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Binding: Paperback
Dewey Decimal Number: 332.0240664
EAN: 9780449002490
Edition: 1
ISBN: 0449002497
Label: Ballantine Books
Manufacturer: Ballantine Books
Number Of Items: 1
Number Of Pages: 296
Publication Date: June 15, 1999
Publisher: Ballantine Books
Release Date: June 15, 1999
Studio: Ballantine Books
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Editorial Review:
THE FIRST FINANCIAL GUIDE TAILORED EXCLUSIVELY TO LESBIAN AND GAY COUPLES ON HOW TO PROTECT THEIR ASSETS WHEN LAWS FAILLesbian and gay couples can achieve solid, long-term financial security--but they need to arm themselves with foresight, awareness, and facts. That's what this book is all about. Now, drawing on more than twenty years' experience as a financial adviser to lesbian and gay couples, Harold L. Lustig has written the definitive financial guide for you and your partner. Through Lustig's four easy-to-follow steps to economic security--PLAN, PLAN, PLAN; PROTECT WHAT'S YOURS; THINK COMMUNITY; USE NON-CONVENTIONAL WISDOM AND TAKE ACTION--this invaluable book gives you workable financial strategies and up-to-date information on- Estate planning--why it's especially vital for you and your loved one
- Tax advantages available to you--and not to legally recognized couples
- Reducing your tax load through charitable contributions and shifting assets
- A domestic partner agreement--why it is critical to your financial well-being
- Avoiding the "gay penalty" on long-term health care and retirement plans
- Tips for funding a college education--without dropping into the red
- Reentering the job market when you are HIV positive
- Buying and fine-tuning disability insurance
- The facts about joint ownership
And much more!Despite unfavorable laws, you can protect your assets, provide for retirement, avoid discriminatory penalties, and ensure that you and your partner enjoy and share what you've earned together. From building and transferring wealth with life insurance to creating documents that protect you when marital laws do not, this clear, smart, practical guide provides the essential financial information that every lesbian and gay couple needs and deserves.
Customer Reviews
Average Rating: 
Rating:  - proceed with caution! (not for the novice)
This is a well written and easy to understand book that provides some much needed advice for lesbian and gay couples. That being said, the author's advice is not without bias (in favor, for example, of using insurance as an investment vehicle), so readers are advised to compare these recommendations to those of other experts with differing opinions. For myself, I agree with those who look with a jaundice eye at whole or universal life insurance as a planning or savings tool. (Term life is usually ... Read More
Rating:  - Answered Questions I didn't even know to ask...
My partner and I just bought a house, combined our checking account, and were unaware of the problems we could be facing. While we knew we needed rights of survivorship and wills, we didn't think of the tax issues, trusts, and the plethora of other issues addressed so clearly and to the point in this book. If you are queer or straight and committed but not married, this book is a goldmine of information!
Rating: - A much needed guide thru the paperwork maze
Lustig's book is a must-read for any gay or lesbian couple, as it tackles such sticky wickets as purchasing life insurance when one has serious medical problems, viaticals, and the hurdles of retirement plan assets when a partner with an employer-funded plan dies. It's easy to read with "frequently asked questions" and gives step-by-step instructions for approaching insurance companies, mortgage brokers and traditional bankers. If you think the world of financial responsibility is difficult ... Read More
Rating: - The only personal finance book a gay family needs.
At long last, money advice we can actually use! Four Steps is the only personal finance book a gay family needs.
Rating: - Great book.
Harold Lustig gives us the financial strategies we need to over come the many ways lesbian and gay couples are unfairly treated under the laws.
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