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The Complete Guide to Wills: What You Need to Know Explained Simply

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Whether many people realize it or not, a will is a vital necessity in making sure all assets and wishes are properly attended to after death. Yet, according to a 2007 lawyers.com survey, more than 55 percent of all American adults do not have a will, assuming that because they do not have substantial assets, it is an unnecessary task. Many more people neglect it because it seems too complex and time consuming. Fortunately, with this guide in hand, you will have a comprehensive outlook on exactly what a will entails and what you need to do to prepare one.

You will learn the basics of estate planning, starting with the outlining of your assets and understanding the various different forms of ownership style. The real and personal property lines, including how your marriage, children, and other legal relationships will affect your property rights, are included. You will learn what value life insurance can have and why every one should have an active policy before creating a will. In addition, you will learn how to measure and distribute assets from a pension, other retirement accounts, and if you own your own business.

The difference between a trust and will is provided along with a reason why you should have both in hand at all times. You will learn what the probate court process entails and how attorneys and other legal issues factor into the process. Once the will creation process has begun, sections on how to decide the guardianship of your children and how to handle specific problem situations, such as marriage issues, disabilities, grandchildren you might care for, excess debt, and bankruptcy are provided. You will learn how to make sure your estate is taken care of so that there are no disputes amongst your family after your passing.

Dozens of interviews were conducted with attorneys, tax accountants, and other experts to establish a set of clear guidelines to help you ensure your will is created with the best of everyone in mind. You will learn how to minimize the amount of taxes that will be levied on your estate, including through estate taxes, state taxes, and income taxes. You will learn how to use charitable donations, gifting, and other ploys to keep your wealth and possessions in the family. Other details covered include how to choose an attorney to execute the will, and what you can do to handle the surprises you will not be able to anticipate before filing your will. A chapter is included that helps you outline and keep track of how you will keep your will updated as you age and your estate changes. For any of the 125 million Americans without a will, this book is a vital tool to help you prepare your estate properly.<\p>

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How to Buy Real Estate Without a Down Payment in Any Market: Insider Secrets from the Experts Who Do It Every Day

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This new book explains everything you need to know to locate and purchase real estate with no down payment from individuals, banks, and other sources. Whether you are a first-time homeowner or an experienced property investor, this is a tremendous guide for buying real estate in any market with no down payment. You will learn the simple formula that can build massive wealth through a real estate purchase, with no money down. This proven formula works even if you have no real estate experience, bad or no credit, or very little money. This formula has been developed out of real-life experience. You will learn how to make smart real estate investments and use those investments to help you achieve financial success. We spent thousands of hours interviewing, e-mailing, and communicating with hundreds of today's most successful real estate investors. This book is a compilation of their secrets and proven successful ideas. If you are interested in learning hundreds of hints, tricks, and secrets on how to purchase a property with no money down, then this book is for you. You will learn how to find the right property, locate motivated sellers, make mutually beneficial offers, and possibly even receive cash at the closing. Though you may be relatively cash-poor or have a less-than-perfect credit rating, you can acquire a mortgage and find the house you've always wanted. You will receive professional direction through all the complicated legal and tax issues involved. You will uncover secrets that expert real estate investors use every day. This comprehensive resource contains a wealth of modern tips and strategies for financing and closing on a property. The author shows readers how to find out how much they're really worth, how to uncover unknown assets, and how anyone can enhance their credit rating within six months. Financing your dream home can be possible, even if you never thought you could.

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The Complete Guide to Tips & Gratuities: A Guide for Employees Who Earn Tips & Employers Who Manage Tipped Employees and Their Accountants

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There are millions of workers in the USA that rely on tips for most of their income, and there are well over two million businesses where the employers rely on tipped employees. According to recent statistics from the U.S. Department of Labor, food and beverage service-related workers held 6.5 million jobs in 2000 alone. The U.S. Department of Labor estimates in a 2001 study that tips and gratuities may account for well over $5 billion per year being left on plates and tip trays, financed on credit cards and handed directly into happy, open palms.

But let’s face facts. Relying on customers’ tips for your income is tough. The average customer just doesn’t realize how difficult and hard the average waiter, waitress, hair dresser, concierge, cab driver, maitre de or bartender works for their money. Dealing with and satisfying the general public is one of the most demanding jobs around. Many, if not most, tipped employees have a tough time making ends meet. And then there are the complicated IRS tax laws regarding tipping and gratuities that most employees and few employers know how to handle correctly.

For the first time this new book deals with all aspects of tips and gratuities. For the employee or self-employed, learn how to earn more tips and how to properly account for and pay taxes on them. For the employer: how to manage and properly account for the taxes on tipped employees; for the bookkeeper and accountant: get the latest on tax and withholding laws. Apart from all great and practical advice in the book, it has to be remembered that tips have to be earned, thus there are literally hundreds of little tricks, hints and suggestions to help tipped employees – well, make more tips!

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How to Creatively Finance Your Real Estate Investments and Build Your Personal Fortune: What Smart Investors Need to Know Explained Simply

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For years the traditional way to finance a real estate purchase was with a 5-20 percent down payment. Investing in real estate in this manner was a slow go, but things have changed with the release of this new book. There are now hundreds of different methods for creatively financing your real estate investments. Smart investors know the secrets to using other peoples money to finance their investments and now for the first time you can learn how to buy houses, lots, land, and commercial properties for nothing down and in some cases even receive cash back at the closing. These truly effective techniques are closely guarded secrets that are revealed for the first time. In this new book you will learn: how to negotiate with sellers, proven effective valuation techniques, how to use other people's money, use other people's credit, sell it before you buy it or pay for it, create positive cash flow, subject-to deals, over twenty nothing down scenarios, profiting from foreclosures, dealing with over-financed properties, working with judgments and liens, quit claim deeds, discounting mortgages and liens, lease options, wraparound financing and wrap notes, using trusts, self-directed IRAs, 1031 exchanges, create assumable loans, VA loans, options, and futures. The book also includes numerous tables, reference charts, and financial tools that one can use in analyzing and financing your investments while building your personal fortune.

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The Refractive Thinker: Vol III Change Management (Chapter 9)

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Chapter 9: Executive Coaching: A Strategy for Effective Change Management

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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How to Get Your Message Out Fast & Free Using Podcasts: Everything You Need to Know About Podcasting Explained Simply

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Is your ultimate goal to have more customers come to your Web site? You can increase your Web site traffic by more than 1,000 percent through the expert execution of podcasts and podcasting. A podcast is a digital media file, including music, data, or video, that is distributed over the Internet using syndication feeds for playback on portable media players such as Apple

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The Refractive Thinker: Vol: VII: Social Responsibility (Chapter 11)

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Chapter 11: Social Irresponsibility Provides Opportunity for the Win-Win-Win of Sustainable Leadership

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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The Refractive Thinker: Vol VI: Post-Secondary Education (Chapter 6)

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Chapter 6: The Consumer Learner: Shifts in the Teacher/Student Relationship: Student as Customer

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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The Complete Guide to Investing in Reits: How to Earn High Rates of Return Safely

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Currently, there are nearly 200 publicly traded real estate investment trusts (more commonly referred to as REITs) in operation in the United Sates with a combined $500 billion in assets. An estimated two-thirds of REITS are traded on national stock exchanges. A REIT is a real estate company that offers its shares to the public. By doing so, a REIT stock becomes like any other stock that represents the holder s ownership in a business. However, REITs have two distinct features: REITs manage groups of income-producing properties and must distribute 90 percent of profits as dividends. The Complete Guide to Investing in REITs will teach you everything you need to know about REITs and how you can earn high rates of return. In this book, you will learn about publicly and privately held REITs, Net Asset Value (NAV), Adjusted Funds From Operations (AFFO), Cash Available for Distribution (CAD), the benefits associated with REITS, dividend reinvestment programs (DRiPs), capitalization rate, equitization, leverage, positive spread investing, securitization, and straight-lining. You will also learn about equity, mortgage, and hybrid REITs and the more specific types, including residential, office, industrial, and retail. The Complete Guide to Investing in REITs will walk you through finding the appropriate REIT for you. This book will also teach you how to manage your REIT, how to limit your personal risk, how to understand REIT performance, and how to analyze REITs. By reading this book, you will know and understand the pitfalls of investing in REITs, you will know how REITs behave as an investment class and how to best integrate them into your portfolio, and you will know what economic issues affect real estate and the effects these have on REITs. This book is not merely for the novice investor who wants to learn everything possible about real estate investment trusts; professional investors, financial planners, and investment advisors will also find valuable information in this book. Ultimately, The Complete Guide to Investing in REITs will help you stabilize and grow your portfolio and earn high rates of return by providing you with vital information and practical guidance.

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Understanding the Digestive System: A Study Guide

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This flip chart offers an overview of the digestive system. The flip chart covers anatomical and physiological topics as well as common diseases and disorders of the digestive system.

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Journey Outside the Golden Palace: A Story of Transformation

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Come take a mythical journey with Henry from The Village of Yore and the many colorful characters of The Golden Palace on their quest to unlock the palatial gates of corporate Ivory Towers. Dr. Cheryl Lentz has cleverly offered an allegorical tale that demonstrates the lessons learned when leaders in organizations fail to listen and serve the needs of their stakeholders. These lessons emerge through the eyes of such characters as Nada from The Village of Not Likely, Earl from The Village of That s the Way We ve Always Done It, and Merlin from The Village of Calm and Clarity. Join them as well as King William III and The Royal Academy of Bean Counters as they journey toward understanding the elegant simplicity of effective leadership, unlocking the secrets to The Golden Palace Theory of Management along the way. This revised second edition offers a companion workbook for discussion, reflection, and refractive thinking. The purpose of this workbook is to examine each character within this allegorical tale and their leadership qualities more closely. Take a leap of faith and follow us in our journey. Perhaps you may recognize some old friends along the way.

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The Refractive Thinker: Vol IV: Ethics, Leadership, and Globalization (Chapter 3)

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Chapter 3: Physician Cultural Attitudes towards Hospice Services

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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The Refractive Thinker: Vol: VII: Social Responsibility (Chapter 4)

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Chapter 4: Generational Conflict Between Nurses in the Workforce: A Phenomenological Study

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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The Refractive Thinker: Vol II: Research Methodology, Second Edition (Full)

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Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility.  Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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Dr. Ramon L. Benedetto, Dr. Cheryl A. Lentz, Dr. Judy Fisher-Blando, Dr. Nathan Boyer, Dr. Susan Kristiniak, Dr. Gillian Silver, Dr. Armando Salas-Amaro Jr., Dr. Denise Land, Dr. Leigh Riley, Dr. Patricia Dues

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Muscle Explosion: 28 Days to Maximum Mass

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The information found in this book does not constitute medical advice and should not be taken as such. Consult your physician before taking part in any exercise program. The dietary modifications found in this program are extreme and assume a healthy body. If you have medical considerations that require special nutritional practices, please review this book with your nutritionist and physician before starting. Any application of the recommended material in this book is at the sole risk of the reader, and at the readers discretion. Responsibility of any injuries or other adverse effects resulting from the application of any of the information provided within this book is expressly disclaimed.

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The Refractive Thinker: Vol II Research Methodology (Chapter 3)

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Chapter 3: The Modified Ask-the-Experts Delphi Technique: The Conundrum of Human Resource Experts on Management Participation

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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The Refractive Thinker: Vol I An Anthology of Higher Learning (Full)

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Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility.  Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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Dr. Lisa M. Kangas, Jr., Dr. Cynthia Ann Roundy, Dr. Edward F. Knab, Dr. Lucy Surhyel Newman, Dr. Laura D. Grandgenett, Dr. Cheryl A. Lentz, Dr. Thomas M. Woodruff, Dr. Elmer B. Hall, Dr. Armando Salas-Amaro, Dr. Judy Fisher-Blando

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The Encyclopedia of Real Estate Forms & Agreements: A Complete Kit of Ready-To-Use Checklists, Worksheets, Forms, and Contracts

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In this book you will find over 250 essential forms, agreements, and contracts for buying and selling real estate, managing your business, and managing property and tenants. Designed for use by new and veteran agents, property managers, and brokers alike, this book is essentially a unique “survival kit.” It focus on the issues that you face in real estate from working with buyers, sellers, and tenants to ensuring profitability. The forms may be printed out and customized from the companion CD-ROM.

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The Restaurant Manager's Success Chronicles: Insider Secrets and Techniques Food Service Managers Use Every Day to Make Millions

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Restaurants are one of the most frequently started businesses, yet they have one of the highest failure rates. A study from the Ohio State University reports the restaurant failure rate is between 57 percent and 61 percent after only three years. Do not be a statistic on the wrong side; plan for success. There are many books and courses on restaurant operation; this is the only book that will provide you with insider secrets. We asked the successful restaurant owners and operators who make their living on the restaurant floor and they talked. This new book will give you real-life examples of how successful restaurant operators avoid the pitfalls and thrive. The information is so useful that you can read a page and put the idea into action today! Learn the most efficient ways to bring customers in and have them return, how to up-sell, cost control ideas, oversights to avoid, and how to steer clear of disappointment. We spent thousands of hours interviewing, e-mailing, and communicating with hundreds of today's most successful restaurateurs. This book not only chronicles their achievements, but is a compilation of their secrets and proven successful ideas. If you are interested in learning hundreds of hints, tricks, and secrets on how to make money (or more money) with your restaurant, then this book is for you. Instruction is great, but advice from experts is even better, and the experts chronicled in this book are earning millions. This new exhaustively researched book will provide you with a jam-packed assortment of innovative ideas that you can put to use today. This book gives you the proven strategies, innovative ideas, and actual case studies to help you sell more with less time and effort.

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The Refractive Thinker: Vol I An Anthology of Higher Learning (Chapter 8)

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Chapter 8: The CEOs Triple Dilemma of Compensation, Employee, and Corporate Performance Management

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.