Tag Archives: Guide

NextAdvisor.com Launches “Equifax Credit Report Guide”

San Francisco, CA (PRWEB) July 2, 2008

NextAdvisor.com, a leading consumer information resource, today launched a free online how-to guide designed to help consumers read, analyze and dispute information on their Equifax credit report. The guide is the second in a series that the company will publish focusing on explaining credit reports offered by the major credit reporting bureaus including Experian, Equifax and TransUnion.

The guide is available for free on the NextAdvisor.com Daily blog at: http://www.nextadvisor.com/blog/2008/06/30/how-to-read-analyze-and-dispute-your-equifax-credit-report/

“It’s so important for everyone to understand their credit report and FICO score,” said NextAdvisor.com’s Associate Editor, Caitlin Podiak. “Equifax is unique in that they are the only credit reporting agency that offers a three bureau credit report, a FICO score and a FICO score simulator. Our Equifax credit report guide should help consumers interpret this useful information.”

The guide walks through each section of an Equifax credit report and explains its purpose in clear, straight-forward language. It also educates consumers on how to identify potential errors on their credit report and dispute credit report inaccuracies with Equifax.

NextAdvisor.com has already published an Experian credit report guide and plans on publishing a TransUnion credit report guide later this month.

The company has also published informative user guides focused on child identity theft protection and preventing identity theft on popular social networking sites Facebook and MySpace. Those guides may be found here: http://www.nextadvisor.com/blog/category/nextadvisor-guides/

About NextAdvisor.com:

NextAdvisor.com is the trusted, independent source for comparing the most valuable new services. The company’s mission is to help consumers save money and improve their lives by presenting them with useful comparisons and reviews of service providers along with a clear explanation of each service and how it works.

NextAdvisor.com currently reviews, compares and explains many different types of services including credit report and monitoring, identity theft protection, voice over IP, diet plans, DVD rental and movie download, online education, online tax preparation and online backup. The company’s reviews and comparisons are available for free at nextadvisor.com.

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FSA Parents Guide Should Support and Not Dismiss PPI


Braintree, Essex (PRWEB) November 5, 2008

News that the Financial Services Authority has launched a Parents Guide to Money is to be applauded, but it could push people further away from the financial safety net of Payment Protection Insurance, says PPI lobbyist Sara-Ann Burgess from Burgesses.

Research shows that the average cost of bringing up a child to age 18 is over

Author of New Wall Street Journal Bestseller, “The Ultimate Depression Survival Guide,” Donates All Royalties to Campaign to End Child Homelessness

Jupiter, Fla. (PRWEB) April 22, 2009

Martin D. Weiss, Ph.D, president of Weiss Research, Inc. and author of the new Wall Street Journal bestseller, “The Ultimate Depression Survival Guide,” is donating all of his book royalties to the Campaign to End Child Homelessness, sponsored by the National Center on Family Homelessness. Dr. Weiss presented the first donation ($ 100,000) to Dr. Ellen Bassuk, MD, president of the Center and author of America’s Youngest Outcasts, in a ceremony held at Weiss Research’s Florida headquarters on Friday.

“This donation is an integral aspect of our national grassroots campaign to Protect the People — Not the Banks!” commented Dr. Weiss. “We feel the government’s ongoing attempts to bail out failed financial institutions, such as AIG and Citigroup, are counterproductive in more ways than one. The bailouts not only reward high-risk speculation while punishing prudent investing, but they also divert precious resources desperately needed by the most innocent victims of the housing crisis.”

Dr. Bassuk added: “Even before the housing market collapse, one in 50 American children were homeless each year. Today, with millions of Americans losing their homes in foreclosures, there are certainly many more children on the edge of economic survival. We deeply appreciate Dr. Weiss’ generous contribution to our Campaign to End Child Homelessness.”

Dr. Weiss’ book, The Ultimate Depression Survival Guide: Protect Your Savings, Boost Your Income and Grow Wealthy Even in the Worst of Times (Wiley, April 2009, 978-0-470-39377-2, $ 27.95),provides clear, step-by-step instructions to all Americans on:

How to sell your home if you want to, or keep it if you don’t
How to protect your home from further losses
How to find a truly safe bank or insurer
How to build a substantial cash nest egg and keep it absolutely safe
What to do with your 401k, IRA or savings for your child’s education
The telltale signs will tip you off to a bottom in home prices, stocks and bonds
When to lock in safe, high yields on your money for years to come
Where to find the most promising profit opportunities in a recovery

Meanwhile, the Campaign to End Child Homelessness seeks to:

Strengthen local efforts to end child homelessness with direct assistance to states and communities;
Improve program design and service delivery to meet the unique needs of homeless children and their families; and
Increase public awareness of the scope and impact of homelessness on children.

Dr. Bassuk concludes: “Our Campaign to End Child Homelessness and Martin Weiss’ new book share a common theme–by taking action now, we can come through to see a brighter day.”

To purchase the book, consumers can visit http://www.UltimateDepressionSurvivalGuide.com or any national bookseller. Plus, readers and non-readers alike are invited to make charitable donations to the Campaign to End Child Homelessness at http://familyhomelessness.org/?q=node/14 or by calling 617-964-3834.

About Martin D. Weiss

Martin D. Weiss, Ph.D., founder and president of Weiss Research, Inc., is a nationally recognized expert on banking and insurance company solvency. With more than 35 years of experience, Dr. Weiss has helped empower millions of investors to make better financial decisions through his monthly Safe Money Report and daily Money and Markets.

Dr. Weiss, along with Weiss Research analyst Mike Larson, specifically named nearly all of the major institutions that have suffered a financial failure in this crisis. Weiss predicted the demise of Bear Stearns 102 days prior to its failure, Lehman Brothers (182 days prior), Fannie Mae (eight years prior), and Citigroup (110 days prior). Similarly, the U.S. Government Accountability Office (GAO) reported that, in the 1990s, Weiss greatly outperformed Moody’s, Standard & Poor’s, A.M. Best and D&P (now Fitch) in warning of future life insurance company failures. (See the Weiss forecast track at http://blogs.moneyandmarkets.com/martin-weiss/the-only-ones-who-warned-ahead-of-time/ and the GAO report at http://archive.gao.gov/t2pbat2/152669.pdf.)

About The National Center on Family Homelessness

The National Center on Family Homelessness, founded in 1988, is the nation’s foremost authority on family homelessness, and the only national organization dedicated solely to helping homeless families. Its Campaign to End Child Homelessness has already generated a strong positive response by the public, the national media, Congress and the White House. The Campaign’s legacy will be that all homeless children will receive the homes, opportunities, and support that they deserve as America’s youngest and most vulnerable citizens. For more information, visit http://www.familyhomelessness.org or http://www.homelesschildrenamerica.org.

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Idiot’s Guide Authors, Arnold and Harzog, Explain Benefits of Peer-to-Peer Lending

Little Rock, AR (PRWEB) August 4, 2009

With the recent come back of Prosper.com the authors of The Complete Idiot’s Guide to Person to Person Lending, Curtis Arnold and Beverly Harzog are available to discuss what this means for the consumer.

“One of the big issues right now is that people are still afraid to borrow and lend money. Not much has changed for borrowers, but the recent changes at Prosper offer increased protection for lenders,” says author Harzog. Harzog and Arnold highlight the following benefits:

Intelligence and Law Enforcement Officers to Lead Insider’s Guide Career Webinar Series

San Jose, CA (PRWEB) November 3, 2009 –

As part of a new, exclusive series, former intelligence and federal law enforcement officers who are faculty members of Henley-Putnam University will host free “Insider’s Guide” webinars to discuss education and career opportunities in federal law enforcement, intelligence, terrorism and counterterrorism, and personal protection. The series launches November 12th at 11am PST with the Insider’s Guide to Careers in Federal Law Enforcement webinar, led by Colonel Michael Angley, former U.S. Air Force Special Agent and Public Relations Officer for Henley-Putnam University.

The webinar series presents an opportunity for those interested in Strategic Security careers to benefit from the unique, hands-on experience of Henley-Putnam’s faculty, comprised of former members of the CIA, Secret Service, FBI, and intelligence and federal law enforcement community.

“Our professors are seasoned professionals who are passionate and knowledgeable about their fields and dedicated to preparing professionals to protect and serve this country,” said Dr. Michael Corcoran, Henley-Putnam president and former U.S. Secret Service agent. “The webinars are designed to offer an insider’s perspective on Strategic Security careers that is really only available from those who have experienced them first-hand. It is the entire premise of Henley-Putnam University.”

During the webinar on November 12th , Col. Angley will provide an overview of the law enforcement community; what it means to be a federal agent; a breakdown of agencies and career options within the field; significant changes to law enforcement following the attacks of September 11, 2001; essential qualifications and skills required by each agency; the best educational and degree options available; and benefits and tuition reimbursement available per the Post-9/11 GI Bill.

“The terrorist attacks of 9/11 brought about significant changes to the structure, organization, and responsibilities of the various federal law enforcement agencies,” said Col. Angley. “With this transformation came thousands of new opportunities for demanding and rewarding jobs. I hope my webinar will better acquaint people the overall federal LEO community as well as help them prepare for a career among its ranks.”

An Insider’s Guide to Careers in Law Enforcement will take place on November 12th from 11:00am – 11:45am PST. Those interested in participating in the webinar should register at https://www2.gotomeeting.com/register/998553210. The webinar is open to the public and completely free of charge.

Upcoming webinars in the series will provide insider’s information on preparing for and entering careers in intelligence, counterterrorism, and personal protection. Registration information will be announced in the coming weeks and available on Henley-Putnam’s Web site at http://www.Henley-Putnam.edu.

The webinar series is one of many career resources offered by Henley-Putnam University. The university’s mentoring program assigns degree students with a high-level faculty or an expert mentor to support them in making career decisions. In addition, through its online career portal (http://www.Henley-Putnam.edu/715-286-d714.htm), Henley-Putnam helps students research careers, explore university programs, prepare for a job search (i.e., develop resume and cover letter), locate potential employers and gain basic knowledge of the Strategic Security field.

Henley-Putnam is a leading, accredited, online university offering degree programs and certificates in Intelligence Management, Terrorism and Counterterrorism Studies, and the Management of Personal Protection. Additionally, the university offers a doctorate degree in Strategic Security, a multidisciplinary approach to understanding security at the local, national, and global level.

For more information on Henley-Putnam University’s certificate and degree programs, please call admissions at 888.852.8746 or visit http://www.Henley-Putnam.edu.

ABOUT COLONEL MICHAEL ANGLEY

In addition to serving as public relations officer for Henley-Putnam University, Colonel Michael Angley is the award-winning author of the Child Finder Trilogy (http://www.childfinder.us). He retired from the Air Force in 2007 following a 25-year career as a Special Agent with the Office of Special Investigations (OSI). Col Angley has an M.A. in National Security Affairs from the U.S. Naval Postgraduate School, Monterey, CA, and a B.A. in Criminal Justice and Psychology from King’s College, Wilkes-Barre, PA. He is a former National Defense Fellow and Adjunct Professor of International Relations at Florida International University, Miami, FL, and is an Honor Graduate of the Defense Language Institute’s Korean language program.

ABOUT HENLEY-PUTNAM UNIVERSITY

Founded in August 2001, Henley-Putnam University is a leading educational institution in the field of Strategic Security. The University offers accredited online Bachelor, Master of Science Degrees in Intelligence Management, Terrorism and Counterterrorism Studies, and the Management of Personal Protection, a Doctoral Degree Program in Strategic Security, and most recently added new Certificate Programs. Henley-Putnam prepares law enforcement, military, intelligence community, and private industry professionals with the network, skills, and insights to advance in their careers and protect the future. Henley-Putnam University, which is committed to building a student and alumni network that will serve its community, is an accredited member of DETC (detc.org) and offers 125 courses taught by hands-on faculty members from renowned organizations such as the CIA and FBI. For more information on Henley-Putnam University, intelligence degrees or intelligence studies, call 888.852.8746.

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Henley-Putnam Webinar Series Continues with Insider’s Guide to the Counterintelligence Community

San Jose, CA (PRWEB) March 22, 2010

This spring, Henley-Putnam University will continue its exclusive webinar series with Insider’s Guide to the Counterintelligence Community, led by Colonel Michael Angley, former U.S. Air Force Special Agent and Senior Military Advisor to Henley-Putnam University.

Insider’s Guide to the Counterintelligence Community will take place Wednesday, March 31, from 11:00 AM – 12:00 PM PST. Those interested should register here: https://www2.gotomeeting.com/register/533883986. The webinar is open to the public and completely free of charge.

During the free webinar, Colonel Angley will provide a broad overview of the field of counterintelligence (CI), an often misunderstood and mysterious subset of both the intelligence and law enforcement communities. He will discuss the formal definition of CI as it appears in current Executive Orders, as well as break it down into more simplistic and practical terms. He will also discuss the differences between defensive and offensive approaches to CI, the major agencies that have a CI mission, and the limitations the U.S. government places on the conduct of CI activities.

“Counterintelligence tends to be an esoteric, gray realm of the intelligence and law enforcement communities, and as such, is typically misperceived,” said Colonel Angley. “I hope this webinar will demystify much of the misperception and serve to encourage people to consider a career in CI.”

The series, launched in 2009, was designed to bring the hands-on, insider experience of Henley-Putnam faculty members – comprised of former members of the CIA, Secret Service, FBI, and intelligence and federal law enforcement community – to those seeking careers in Strategic Security. Registration information for upcoming webinars will be announced in the coming weeks and available on Henley-Putnam’s website at http://www.henley-putnam.edu/594-238.htm.

The webinar series is one of many career resources offered by Henley-Putnam University. The university’s mentoring program assigns degree students with a high-level faculty or an expert mentor to support them in making career decisions. In addition, through its online career portal, Henley-Putnam helps students to research careers, explore university programs, prepare for a job search (i.e., develop resume and cover letter), locate employers and gain basic knowledge of the Strategic Security field.

For more information on Henley-Putnam University’s certificate and degree programs, please call admissions at 888.852.8746 or visit http://www.Henley-Putnam.edu.

ABOUT COLONEL MICHAEL ANGLEY

Colonel Michael Angley is Senior Military Advisor to Henley-Putnam University. He is a retired U.S. Air Force Colonel and a retired career Air Force Office of Special Investigations (OSI) Special Agent. He has over 25 years experience conducting counterintelligence and counterterrorism operations around the world and in the United States. Colonel Angley is a seasoned criminal investigator as well, holding five command assignments throughout his career. When he retired in 2007, he was one of OSI’s senior-most Special Agents in command of OSI Region 8, Air Force Space Command. Colonel Angley is also the award-winning author of the Child Finder Trilogy (http://www.childfinder.us), a mystery/thriller series featuring an Air Force OSI Special Agent protagonist.

ABOUT HENLEY-PUTNAM UNIVERSITY

Founded in August 2001, Henley-Putnam University is a leading educational institution specializing in the field of Strategic Security. The University offers accredited online Bachelor and Master of Science Degrees in Intelligence Management, Terrorism and Counterterrorism Studies, and the Management of Personal Protection; a Doctoral Degree in Strategic Security; and several certificate programs. Henley-Putnam prepares law enforcement, military, intelligence, and private industry professionals with the networks, skills, and insights to advance in their careers and protect the future. Henley-Putnam University, which is committed to building a student and alumni network that will serve its community, is an accredited member of DETC (http://www.detc.org) and offers 125 courses taught by hands-on faculty members from all branches of the military and law enforcement fields, including the FBI, CIA, DoD, DIA and Secret Service. For more information, visit the Henley-Putnam University website (http://www.Henley-Putnam.edu), e-mail AdmissionsAdvising(at)Henley-Putnam(dot)edu, or call 888.852.8746.

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Former Special Agent Leads Insider’s Guide to Careers in Federal Law Enforcement

San Jose, CA (PRWEB) May 26, 2010

This June, Henley-Putnam University will continue its successful “Insider’s Guide” free webinar series with Insider’s Guide to Careers in Federal Law Enforcement, led by Colonel Michael Angley, former U.S. Air Force Special Agent and Senior Military Advisor to Henley-Putnam University.

During the webinar on June 3, Col. Angley will provide an overview of the law enforcement community; what it means to be a federal agent; a breakdown of agencies and career options within the field; significant changes to law enforcement following the attacks of September 11, 2001; essential qualifications and skills required by each agency; the best educational and degree options available; and benefits and tuition reimbursement available per the Post-9/11 GI Bill.

Insider’s Guide to Careers in Federal Law Enforcement will take place Thursday, June 3, at 2:00 PM EDT (11:00 AM PDT). Those interested in participating in the webinar should register at https://www2.gotomeeting.com/register/764452499. The webinar is open to the public and completely free of charge.

The webinar series, launched in 2009, was designed to bring the hands-on experience of former members of the CIA, Secret Service, FBI, and intelligence and federal law enforcement community to those seeking careers in Strategic Security. Registration information for upcoming webinars is available on Henley-Putnam’s website at http://www.henley-putnam.edu/594-238.htm.

The series is one of many career resources offered by Henley-Putnam University. The university’s mentoring program assigns degree students with a high-level faculty or expert mentor to support them in making career decisions. In addition, through its online career portal, Henley-Putnam helps students research careers, explore university programs, prepare for a job search, locate employers and gain basic knowledge of the Strategic Security field.

For more information on Henley-Putnam University’s Strategic Security certificate and degree programs, please call admissions at 888.852.8746 or visit http://www.Henley-Putnam.edu.

ABOUT COLONEL MICHAEL ANGLEY

Colonel Michael Angley is Senior Military Advisor to Henley-Putnam University. He is a retired U.S. Air Force Colonel and a retired career Air Force Office of Special Investigations (OSI) Special Agent. He has over 25 years experience conducting counterintelligence and counterterrorism operations around the world and in the United States. Colonel Angley is a seasoned criminal investigator as well, holding five command assignments throughout his career. When he retired in 2007, he was one of OSI’s senior-most Special Agents in command of OSI Region 8, Air Force Space Command. Colonel Angley is also the award-winning author of the Child Finder Trilogy (http://www.childfinder.us), a mystery/thriller series featuring an Air Force OSI Special Agent protagonist.

ABOUT HENLEY-PUTNAM UNIVERSITY

Founded in August 2001, Henley-Putnam University is a leading educational institution specializing in the field of Strategic Security. The University offers accredited online Bachelor and Master of Science Degrees in Intelligence Management, Terrorism and Counterterrorism Studies, and the Management of Personal Protection; a Doctoral Degree in Strategic Security; and several certificate programs. Henley-Putnam prepares law enforcement, military, intelligence, and private industry professionals with the networks, skills, and insights to advance in their careers and protect the future. Henley-Putnam University, which is committed to building a student and alumni network that will serve its community, is an accredited member of DETC (http://www.detc.org) and offers 125 courses taught by hands-on faculty members from all branches of the military and law enforcement fields, including the FBI, CIA, DoD, DIA and Secret Service. For more information, visit the Henley-Putnam University website (http://www.Henley-Putnam.edu), or call 888.852.8746.

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Publicrecordfinder.com Releases Consumer Resource Guide to Build Awareness of What Public Records Offer Including Criminal Records and Property Records


Bellevue, WA (PRWEB) October 12, 2010

Publicrecordfinder.com, an online public records search site, has just published the following consumer resource guide that helps consumers become aware of what public records can offer and how they can make use of these powerful tools that contain vital information.

The government, at all levels, records every important event, transaction, and litigation concerning its citizens. In the United States, there is no centrally available database where all of these public records are integrated. Most of the critical information sought is recorded in a variety of public records that are maintained in different databases across agencies, states and cities, and includes information such as:

New Health Reform Guide Provides Effective Way to Track, Understand and Comply With Dozens of New Federal Health Insurance Regulations

Washington, DC (PRWEB) November 30, 2010

Atlantic Information Services, Inc. (AIS) — AIS, publisher of industry-leading newsletters, AIS’s Health Reform Week, Health Plan Week, Drug Benefit News, Report on Medicare Compliance and ACO Business News, is pleased to announce its newest publication, A Guide to Health Insurance Reform. The guide and its accompanying CD include an extremely well-organized set of all pertinent regulations, with HHS guidance and insights from experts. Go to http://www.aishealth.com/Products/lhrg.html for publication details.

When the rulemaking process has finally run its course years from now, more than 25 separate sets of federal rules will have been issued to address just the aspects of reform that deal with health insurance benefit design. Regulations dealing with these issues have already been published: rescissions, appeals and external reviews, coverage of preventive services, child-only coverage, lifetime and annual limits, access to care protections, grandfathered plan status, dependent coverage to age 26 and early retiree reinsurance.

Furthermore, 15-20 additional sets of rules still to come — from medical loss ratios to insurance exchanges to age bands and gender bias — are set in stone by the reform statute. And in 2011 and beyond, there may well be additional changes heaped on top of this year’s enormous changes, if the politics of reform shift and/or Congress goes back to fix flaws in the original legislation.

A Guide to Health Insurance Reform is designed to help health plans, hospitals and other providers, employers, pharmaceutical companies and others save valuable time and resources — and minimize their risks of costly noncompliance — with easy-to-read summaries of federal regulations that are interwoven with Agency Guidance and Commentary and Analysis from experts in the field in 28 different regulatory areas related to:

— Benefit Design

— Eligibility/Guaranteed Issue

— Premium Rules

— Exchanges

— And Health Insurance Administration

For more information on A Guide to Health Insurance Reform and to view a detailed Table of Contents, visit http://www.aishealth.com/Products/lhrg.html.

About AIS

AIS develops highly targeted news, data and strategies for managers in hospitals, health plans, medical group practices, pharmaceutical companies and other health care organizations. Learn more at http://www.AISHealth.com.

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San Francisco Bay Area Tax Attorney Releases “Buying U.S. Real Estate When Your Child Studies In America” Guide for Non Resident Aliens


(PRWEB) August 30, 2011

Silicon Valley estate planning and probate lawyer Janet Brewer has released a new guide, “Buying U.S. Real Estate When Your Child Studies In America.” The free 14 page guide is available at calprobate.com/NRA.

If you are a non-citizen putting a title in your name, it makes sense to have a qualified advisor help you avoid tax traps, says Brewer. Otherwise, if something were to happen, you would only be entitled to a $ 60,000 exemption from U.S. gift and estate taxes. Non-resident aliens (NRAs) pay a much higher rate of gift and estate taxes than U.S. citizens. The good news is that with a smart investment in good counsel, you can protect both your loved ones and your assets.

Real-World Examples Illustrate Key International Estate Planning Issues

Brewer gives examples of nonresident aliens from several countries to illustrate key questions, issues and choices such families often face. The examples are made up, she explains, but if your situation is anything like those in my examples, you need the help of an experienced international estate planning attorney.


Example #1: The Sasakis Learn the Risks of Online Legal Forms: If something happened to Emiko and Dai Sasaki of Tokyo, their son Hiro, a student at Stanford, could face a tax bill of $ 143,000. Learn how Dai hires an attorney and creates a tax-saving plan.

Example #2: The Francos Coordinate Estate Planning Between Countries: Genevieve Franco of Paris studies at USF and lives in the Francos’ second home in Burlingame. Learn why the Francos urgently need an attorney’s help to coordinate estate planning between the U.S. and France.

Example #3: The Laus Benefit From Proper Healthcare Authorizations: Kim Lau of Hong Kong, a student at California University of Management and Technology, gets injured one day. Learn which documents on file authorize his doctors to share health information with his parents.

Example #4: The Patels Fire Their Prepaid Legal Plan: The Patels of Bangalore, whose daughter Kali is entering Menlo College, try a prepaid legal plan for international estate planning. Learn why they soon switch to working with a highly regarded attorney instead.

Example #5: The Vogels Pass On Both Values and Valuables: Peter Vogel of Frankfurt owns a Pacific Heights home. Learn how he structures his estate plan to express his values to his daughter Iris, who is entering law school at Hastings, and to future grandchildren.

Trend: More NRAs Purchasing in College Areas

The United States has long been a desirable place to own property. A recent survey by the National Association of Realtors as part of its 2011 Profile of International Home Buying Activity found that the number of foreign exchange students at U.S. colleges and universities has increased the demand for real estate by foreign buyers. Many foreign families purchase U.S. properties in college areas so their child has a place to live and to take advantage of what appears to be a buyers market.

Why Putting Off Estate Planning Is Especially Risky for NRAs

Some people consider it bad luck to discuss death, acknowledges Brewer. But its important to set aside our emotions and consider a key fact: Federal estate and gift tax laws impose onerous restrictions on non-citizens – even if you have a green card. Consider:

Outright gifts during your lifetime to a non-U.S. citizen spouse including making him or her joint owner of certain assets can trigger gift tax problems immediately.

A non-resident non-citizen with no green card who bought a $ 1.5 million house with cash, intending to leave it to one of his children through a will or trust could trigger an estate tax of $ 495,000. With advice from the right expert, she could avoid that tax bill.

Likewise, gifts at death to a non-citizen spouse may not qualify for the unlimited marital deduction. Your unsuspecting widow or widower may be forced to pay hundreds of thousands of dollars in estate taxes shortly after your death.

If an investor buys a $ 1.5 million property in U.S. and dies owning it without ever having put it in a trust, the probate cost alone could be as much as $ 28,000. If that investor also happens to be a non-resident alien, the estate taxes could be $ 495,000.

The takeaway: Even if your estate is modest, the tax effects of poor planning on NRAs can be devastating.

Series of Guides Cover a Range of Perspectives

The guide released today is one in a series of estate planning and asset protection guides offered by Brewer at calprobate.com/resources:

Choosing Your Bay Area Estate Planning Attorney: 6 Point Checklist, 4 Examples, 15 FAQs, Typical Fees, and More (June 2011)

U.S. Gift Tax and Estate Tax Planning for Non-Residents and Non-Citizens (Feb 2011)

Year End Tax Law Update for Bay Area Families (2010)

Tax Law Update for San Francisco Bay Area CPAs Serving High Net Worth Clients (2010)

How to Choose Your Trustee in California (2010)

Brewer also publishes each week at the California Probate, Trusts, and Estate Law Blog and posts tips and links on Twitter, Facebook, and LinkedIn. Those on Brewer’s mailing list get the earliest notice about new resources when they come available.

Examining Your Options Now

In my 20+ years as an estate planning attorney, I’ve found that most families and perhaps especially nonresident aliens (NRAs) want straight talk when it comes to legal and financial matters, Brewer says. Too many parents of children studying in America fly in the dark when it comes to securing their loved ones financial future. I have heard so many heart breaking stories of families having to pay dearly during painful times because they lacked an adequate estate plan. My team and I can set up documentation, write any complex agreements, and take other steps to help protect families. But only you can take the very first step: examining your options now.

About the Law Offices of Janet L. Brewer

If you’re like most people, you don’t want to think about what might happen to your loved ones after you’re gone — or to you if you were to become disabled. But for lasting peace of mind, effective estate planning is a necessity. It involves asking, What is truly important to me? Who should care for my minor children? How much money is “enough” to leave to my family? What should be my financial legacy?

We help guide you in addressing these issues, with legal services for wills, trusts & estates. We specialize in:

International estate planning for non resident aliens
Probate services for those in the Silicon Valley area
Asset protection for Bay Area families
California estate planning
Fiduciary counseling and estate administration

Ensure you get a responsive, straight-forward approach to estate planning from an experienced estate planning professional. Janet Brewer is a Palo Alto probate, trusts, and estate planning attorney with an advanced degree in tax law. She has practiced California estate planning, advanced gift-planning, and California probate law exclusively since 1991, and is Certified as a Specialist in Estate Planning and Probate Law by the California State Bar Board of Legal Specialization.

Learn more at calprobate.com or call (650) 325-8276.

Serving Palo Alto, Atherton, Portola Valley, Woodside, Los Altos, Mountain View, Sunnyvale, Menlo Park, Redwood City, Belmont, San Carlos, San Mateo, Burlingame, Santa Clara, Cupertino, Saratoga, Los Gatos, Campbell, San Jose, Santa Clara County, San Mateo County, Alameda County, San Francisco County, Santa Cruz County, and Silicon Valley.

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