By Harold L. Lustig

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

Lesbian and homosexual can in attaining reliable, long term monetary security--but they should arm themselves with foresight, expertise, and proof. That's what this e-book 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 consultant for you and your partner.

Through Lustig's 4 easy-to-follow steps to financial security--PLAN, PLAN, PLAN; shield WHAT'S YOURS; imagine group; USE NON-CONVENTIONAL knowledge AND TAKE ACTION--this valuable publication can provide attainable monetary techniques and updated details on

- property planning--why it's particularly important for you and your enjoyed one
- Tax benefits on hand to you--and to not legally famous couples
- lowering your tax load via charitable contributions and transferring assets
- A household associate agreement--why it really is severe on your monetary well-being
- heading off the "gay penalty" on long term wellbeing and fitness care and retirement plans
- counsel for investment a faculty education--without shedding into the red
- Reentering the task marketplace while you're HIV positive
- paying for and fine-tuning incapacity insurance
- The proof approximately joint ownership
And a lot more!

Despite detrimental legislation, you could guard your resources, supply for retirement, keep away from discriminatory consequences, and confirm that you just and your associate get pleasure from and percentage what you've earned jointly. From development and shifting wealth with existence assurance to making files that defend you while marital legislation don't, this transparent, clever, useful consultant offers the fundamental monetary details 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

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Diverges from the consensus forecast. 18 I also 16 തതതതതതതത௜௧ିଵ ൌ ଵ σ௃௝ୀଵ ܴ‫ܥܥܣ‬௜௝௧ିଵ , instead of I use ܴ‫ܥܥܣ‬ ௃ ଵ ௃ σ௃௝ୀଵ ܴ‫ܥܥܣܮ‬௜௝௧ , as ܴ‫ܥܥܣܮ‬௜௝௧ can only be calculated for those firms analyst i has also covered in the previous period. As my investigation is on the analyst level, I തതതതതതതത௜௧ିଵ attempt to measure the average forecast accuracy of all firms analyst ݅ has covered in year ‫ݐ‬. ܴ‫ܥܥܣ‬ comprises all firms covered in ‫ ݐ‬െ ͳ. 17 തതതതതതതത௜௧ିଵ ൌ The average boldness is defined as mean boldness over all firms analyst ݅ covers in year ‫ݐ‬: ‫ܦܮܱܤ‬ ଵ ௃ σ௝ୀଵ ‫ܦܮܱܤ‬௜௝௧ିଵ Ǥ 18 ௃ Two kinds of approaches are commonly used in the literature to examine forecast boldness.

For my examination I use the following regression model based on OLS: ‫ܳܧܴܨܴܩ‬௜௧ ൌ ߛ଴ ൅ ߛଵ ̴ܲܰ‫ܨܹܧ‬௜௧ +ߛଶ ‫̴ܷܧܸܱܯ̴ܣ‬௜௧ ൅ߛଷ ‫ܦ̴ܧܸܱܯ̴ܣ‬௜௧ ൅ ߝ௜௧ . (12) I calculate ̴ܲܰ‫ܨܹܧ‬௜௧ as the percentage of firms in analyst ݅’s forecast portfolio that she covers for the first time in year ‫ ݐ‬and thereby measure how unfamiliar she is with her forecast portfolio. ‫̴ܷܧܸܱܯ̴ܣ‬௜௧ [‫ܦ̴ܧܸܱܯ̴ܣ‬௜௧ ] is a dummy variable set to 1 if analyst ݅ has changed to a brokerage house of higher [lower] prestige within the last two years before year ‫ݐ‬, and set to 0 otherwise.

4,779 med. 3217 med. 4630 effort level (terciles) mean number forecast acc. (ܴ‫)ܥܥܣ‬ of obs. 5315 AGE group 9 mean forecast acc. 4444 effort level (terciles) low effort (ܶͳ) med. 3522 med. 4845 Notes: First, I divide the data sample into deciles with respect to forecast age, measured via ܴ‫ܧܩܣ‬. Separately for each age decile, I partition the data sample into terciles according to general forecast effort (‫[ )ܳܧܴܨܴܩ‬firm-specific forecast effort (ܴ‫])ܳܧܴܨ‬, in Panel A [Panel B]. Observations with the lowest (highest) values in forecast effort are assigned to tercile ܶͳ ሺܶ͵ሻǤ For each tercile, I report the mean value of range-adjusted forecast accuracy ሺܴ‫ܥܥܣ‬ሻ.

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