My Money Tree
Why is retirement planning different for women? Women are completely comfortable talking about many "M-word" topics: their marriages, motherhood and their mothers, merlots and martinis, mammograms and menopause. But, bring up money and the conversations often screech to a halt. Ask how prepared a woman is for retirement and she can tell you the exact date when she wants to retire, but not how much money she'll need for a 30-year retirement. In this thought-provoking, but non-traditional, fun approach to planning for a woman's retirement, Marcia Mantell guides women through the key questions they'll need to answer before they will be prepared to retire. In What's the Deal with Retirement Planning for Women?, you'll get realistic perspectives on retirement in the new era, a treasure trove of resources to get started, and practical examples of how other women are dealing with redesigning and reinventing retirement. Ten key questions are discussed and you may be surprised by the answers! While no two women will have the same retirement or financial resources, there are common topics that each woman needs to address. While this book offers financial information, it also focuses on how to start defining your future years, how to use the skills of running your household to manage your retirement, and why doing what you love will continue to be a key activity in retirement. It also provides a critical overview into Social Security, which is often the foundation of income for most women in retirement. This book should help you feel more confident and empowered to own your own retirement and future. It will give you a terrific roadmap for how to plan for the future you deserve and help you to make your retirement the best time of your life!"
If you wish to advise clients how to qualify for nursing home Medicaid while protecting their assets, this is the definitive book! Written by an elder law attorney with over 25 years of experience, this manual is the professional edition version of attorney Heiser's best-selling Medicaid Secrets book. This manual is geared toward attorneys, accountants, and financial advisors seeking up-to-date and accessible information on the Medicaid program rules as well as a complete analysis of available Medicaid asset protection techniques for their clients. Includes a summary of all income and asset rules for both married and single individuals, together with numerous examples and several case studies, which take the planner through the same thought processes that an experienced elder law attorney would go through when analyzing a real-life client's situation. The book includes tips on: how to title the home so the client does not lose it to the state; how to make transfers to family members that won't disqualify the client from Medicaid; how "Medicaid annuities" work to make assets "disappear" for Medicaid eligibility purposes; clever ideas for "spending down" assets; what to change in a client's will to save thousands of dollars if the spouse ever needs nursing home care; avoiding the state's reimbursement claim following the nursing home resident's death; and much more. The 2016 Edition has been expanded, revised, and completely updated to incorporate all changes in the law as of January 1, 2016, and includes two chapters on Veterans' benefits as well as a 39-page Ethics of Elder Law section. Completely annotated with all case citations and statutory references given in over 550 footnotes. Also includes full copies of relevant statutes and a sample filled-out Medicaid application, plus sample clauses for deeds, wills, powers of attorney, etc.
Strategic Planning in Environmental Regulation introduces an approach to environmental regulatory planning founded on a creative, interactive relationship between business and government. The authors argue that regulation -- often too narrowly defined as direct, command-and-control standard setting and enforcement -- should include the full range of activities intended to influence private behavior to conform to public goals. The concept of strategic regulatory planning that the book introduces provides a model for designing more effective environmental regulation. Strategic planning requires careful consideration of the regulatory objectives, the target audiences for regulation, and the characteristics of the regulatory agency.The two important case studies in the book -- one on the use of the gasoline additive MTBE and the other on the cleanup of underground storage tanks (USTs) -- apply the model, compare the approaches and results, and illustrate the advantages of a strategic approach.The case of MTBE -- in which an additive intended to produce cleaner-burning gasoline was found to contribute to both air and groundwater pollution -- shows the drawbacks of top-down regulation by fragmented regulatory agencies. The success of the UST cleanup, in contrast, highlights a unique, strategic, and results-oriented approach to policy implementation. These two cases demonstrate why regulation works better in some cases than others, and the alternative approaches to regulation described in the book promise to promote the achievement of environmental quality goals.
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