By Harold L. Lustig

The 1st monetary advisor adapted completely TO LESBIAN AND homosexual ON find out how to guard THEIR resources whilst legislation FAIL

Lesbian and homosexual can in attaining stable, long term monetary security--but they should arm themselves with foresight, knowledge, 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 fiscal security--PLAN, PLAN, PLAN; guard WHAT'S YOURS; imagine neighborhood; USE NON-CONVENTIONAL knowledge AND TAKE ACTION--this necessary booklet provides viable monetary thoughts and up to date details on

- property planning--why it's specifically important for you and your enjoyed one
- Tax benefits on hand to you--and to not legally well-known couples
- decreasing your tax load via charitable contributions and moving assets
- A family accomplice agreement--why it truly is severe in your monetary well-being
- fending off the "gay penalty" on long term wellbeing and fitness care and retirement plans
- suggestions for investment a faculty education--without losing into the red
- Reentering the activity marketplace if you are HIV positive
- paying for and fine-tuning incapacity insurance
- The evidence approximately joint ownership
And a lot more!

Despite detrimental legislation, you could shield your resources, offer for retirement, stay away from discriminatory consequences, and make sure that you just and your associate take pleasure in and proportion what you've earned jointly. From construction and shifting wealth with lifestyles assurance to making records that defend you whilst marital legislation don't, this transparent, shrewdpermanent, functional advisor offers the fundamental monetary info that each lesbian and homosexual couple wishes and merits.

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Extra info for 4 Steps to Financial Security for Lesbian and Gay Couples: Expert Advice for Reducing Your Tax Burden, Increasing Your Wealth, and Protecting Each Other

Sample text

16 • The Intelligent Option Investor It is important to note that a stock does not have to cross this line for your option investment to be profitable. We will discuss this dynamic in Chapter 2 when we learn more about the time value of options. Visual Representation of Put Options Now that you understand the conventions we use for our diagrams, let’s think about how we might represent the other type of option, dealing with downside exposure—the put. First, let’s assume that we want to gain exposure to the downside potential of a stock.

This is the same downside exposure of a stock because a stock cannot fall below zero dollars per share. In this diagram, the time range for the put option is the same 500 days as for our call option, but the price range at which we have exposure starts at a strike price of $50—the current market price of the stock—making this an at-the-money (ATM) put. If you think about moneyness in terms of a range of exposure, the difference between out of the money (OTM) and in the money (ITM) becomes easy and sensible.

Human decision makers do not, it turns out, act as perfectly rational economic animals as the EMH posits but rather are swayed by emotion, illusion, and ingrained prejudice that cause their decisions to be made in consistently flawed ways. Obviously, the experimental evidence that behavioral economics researchers have highlighted regarding how economic actors make decisions casts doubt on the basic premises of the EMH. Indeed, proponents of EMH would argue (do argue in the case of Eugene Fama, a Nobel prize–winning economist at the University of Chicago and one of the intellectual godfathers of the EMH) that asset price bubbles cannot occur.

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4 Steps to Financial Security for Lesbian and Gay Couples: Expert Advice for Reducing Your Tax Burden, Increasing Your Wealth, and Protecting Each Other by Harold L. Lustig


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