How to Probate an Estate in California Review

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How to Probate an Estate in California ReviewNolo Press, the publisher, has hits and misses. This book is a direct hit, surpassing any and all other books of its kind. It allows for an overview, but also provides substantial detail, providing copious forms and examples for illustration and assistance. The book is addressed to the market in California, and all the forms and Probate Code citations relate to California, but even residents of other States will find a wealth of information and suggestions to consider. The book may seem pricey compared to others of its kind, but the others are a waste of money set next this resource. If you're going to be involved in the administration of an estate, and intend to do your best, let this great guide help you do it.How to Probate an Estate in California OverviewHandle the California probate process, from deciphering a will to tackling taxesIf you need to wrap up the affairs of a deceased family member or friend in California, you may find yourself wading through the process of probate. But did you know? You can save big on attorney fees by handling the probate process yourself.How to Probate an Estate in California is the only book that provides all the forms, tips and step-by-step instructions you'll need to settle a loved one's estate -- all written in plain English. You may even be able to handle the whole process by mail without setting foot in the courthouse!With this easy-to-read guide, you'll how to:
read a will
determine who inherits property if there is no will
handle probate paperwork
collect life insurance and other benefits
transfer community property to a surviving spouse or domestic partner
pay bills and taxes
distribute property left through trusts Even if you hire a lawyer to do the probate paperwork, this book demystifies the the process so that you can make informed decisions and communicate intelligently with the attorney about the estate -- and save cash in the process. Why spend over $13,000 on a lawyer to probate a $500,000 estate, when you can do almost all of it on your own?The 21st edition contains important legal and tax updates, as well as newly updated probate forms.Nolo has dozens of products created just for California residents.

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Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Benefits Review

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Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Benefits ReviewIn my line of work, I deal with Social Security, SSI and Medicare rules and regulations every day, so I could be considered a bit of an authority on the subjects. I've always been skeptical of publications that want to "sell" you information that you could otherwise get for free, and this is no exception - nearly all the information on government benefits contained in this book can be obtained free of charge from the source. That said, this is a well-organized and clearly-written book. It will probably appeal to those who would like most or all the information they need in one handy resource, or those who - rightly or otherwise - would rather trust a third party for information that the agencies who administer them. One thing to keep in mind, though - the author of this book is NOT the final authority on the subject. Nevertheless, he does a good job presenting the basic requirements and peculiarities of Social Security, Medicare and government pensions in a clear, "For-Dummies"-style manner. (It should come as no surprise that nearly half the book is devoted to the complexities of the Medicare and Medicaid programs.)
The book gets kudos for its introductory commentary on "saving Social Security" - it criticizes the recommendation made during the Bush administration to "privatize" the system by investing SSA trust funds in the stock market (an idea that all but died with the current recession); and it suggests removing the cap on maximum social security tax (which would not impact lower- and middle-income workers), thus keeping the system solvent for another 75 years. It also offers good explanations on such topics as the so-called "notch babies" (the controversial changes that affected workers born between 1917 and 1921), and figuring out "break even points" when deciding at what point it is most advantageous to collect benefits. The author, who is an attorney, also deserves credit for an objective section on appeals and legal representation - he does not give the reader the impression that an attorney is essential at every step in the claims or appeals process, contrary to what many "social security attorneys" lead the public to believe.
The book isn't without flaws, however. First, it needs to cut or minimize a lot of the discussion of rules that are all but obsolete now, such as rules regarding earnings before 1951 - hardly anyone filing for benefits these days has worked that long ago. There are occasional factual and numerical errors, some of which may have slipped by the updated editing of the book. (For instance, it says that surviving spouses can get full benefits unreduced for age at age 65; the qualifying age is now 66. Also, the book says the SSI limit for countable resources is $5000, when in fact it is $2000 for individuals or $3000 for couples.) Overall, this is a handy reference and general guide to entitlement programs, but it's certainly not the "be-all and end-all". One should always check with the administrating agency (SSA, Medicare, OPM) for the final word on the rules governing entitlement to benefits.
Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Benefits Overview

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The New Bankruptcy: Will It Work for You? Review

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The New Bankruptcy: Will It Work for You ReviewTo begin with, bankruptcy law changed completely as of October 17, 2005 for really the first time since 1978. Therefore, all books published before that date are pretty much worthless since they are giving you outdated advice on the old law. Of the ones that are in print covering the new law that I have looked through, this one seems to be the best combination of accessible and complete. It does a good job of answering common questions that a person would ask about bankruptcy in the new environment, as well as going into painstaking detail about all of the changes to the law, including the new means test. Included are the steps you need to take to declare bankruptcy, the order in which you need to take them, and the forms you need to fill out. The book also talks about impacts to your life you might not have thought of, such as how declaring bankruptcy might impact your ability to get certain types of jobs or even auto insurance of all things! The reason I have read so much about this is not that I have declared or am planning to declare bankruptcy. Just call me an interested citizen that followed the debate over the new law very carefully and therefore I know a little more than the average citizen about what is in the new law. That is how I know that this book covers and emphasizes the changes so well.The New Bankruptcy: Will It Work for You Overview

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Asset Allocation, 4th Ed Review

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Asset Allocation, 4th Ed ReviewAsset Allocation is a well written informative book. It explains the theory behind allocation strategies and the math and examples are comprehensible for readers, such as myself, without a formal finance background. The book stops short of recommending specific allocation plans for the reader, but it certainly gives the raw tools for the reader to make more intelligent choices about proper diversification methods.Asset Allocation, 4th Ed Overview

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Living Trusts for Everyone: Why a Will is Not the Way to Avoid Probate, Protect Heirs, and Settle Estates Review

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Living Trusts for Everyone: Why a Will is Not the Way to Avoid Probate, Protect Heirs, and Settle Estates Review"This is a book for the 95 percent of the population that has done no estate planning..."
The author is an attorney and has personally prepared over 4,000 trusts and estate plans. In the first chapter he reviews the differences between a will and a trust and states "The fact is that nearly everyone would be better off with a trust than with a will. In most cases the only person who benefits from our having a will instead of a trust is your lawyer. Attorney fees for making the will and probating the estate are a lawyer's bread and butter."
I highly recommend this book as it is specific yet easy to understand. A quick read will convince you of the importance of trusts or in the rare case of why you don't need one. The author has done an excellent job in giving detailed information without being dry or boring. Everything that he has written is important and no words are wasted. One very interesting facet of a trust is that the benefits are for the living and not just a method to disperse funds when someone passes away. As a reference tool the chapter headings allow you to review time after time as questions arise. My copy is now highlighted in yellow and green.
Very useful reading and a must for anyone who desires to manage their finances responsibly and profitably.
Carol Schultz-Weil
author In The Trenches - Financial Survival During Times of HardshipLiving Trusts for Everyone: Why a Will is Not the Way to Avoid Probate, Protect Heirs, and Settle Estates Overview

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