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Frank Eberhart

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Short Book Description

The Procrastinator's Bible for Financial Success
Protect yourself and family from scandals, bribery, corruption, rip offs, bad advice. Why rely on someone else to make your financial decisions? Look at your 401K, your portfolios, your net worth (or maybe your net worthlessness). Learn how to become your own decision maker!
Bookworm.tv
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My Books

Second Edition $18.95
The new definition of liquidity: when you open your portfolio and wet your pants.

My award wining book is not filled with graphs and charts, its not filled with my opinions, it is filled with information that can and will help you regardless of what stage of life you are in. It is never too late to start…

Best of luck,

Frank
By the way, my book has won 14 awards for a reason-check out on my web and other information that could be useful like retirement calculator, mortgage calculator and some financial information: www.bookworm.tv
Contents

Introduction........... The Planning Process........... xi

Nine Must-Do Items for Financial and
Estate Planning Success........... xii

Chapter I

Step 1:........... Estate Planning Checklist........... 1

1a)........... Quick-Reference Contact Information........... 3

Chapter II

Step 2:........... Personal/Business Information........... 5

2a)........... Trusts, Wills, Probate, and Executor Duties........... 14

2b)........... Trust Strategy Summary........... 25

2c)........... Federal and State Estate Taxes........... 29

2d)........... Gift Taxes........... 33

2e)........... HR 1836 income tax changes, Rev.Proc.
2006-53 tax change web page & AMT
Alternative Minimum Tax........... 34

Chapter III

Step 3:........... Personal/Business Budget........... 36

3a)........... 529 and UGMA Accounts........... 42

Chapter IV

Step 4:........... How Much Life Insurance Do You Need?........... 44

4a)........... Life Insurance Calculator........... 47

4b)........... Long-term Care Policies/Medicare/Medicaid........... 48

Chapter V

Step 5:........... Keeping Track of Your Investments........... 50

Chapter VI

Step 6:
Asset Allocation Investment Cycle and
Retirement Needs Analysis and Budget........... 54

6a)........... Retirement Budget........... 56

6b)........... The Impact of Withdrawal Rates
on Your Money........... 58

Chapter VII

Step 7:........... Risk and Reward Questionnaire........... 59

Chapter VIII

Step 8:........... Understanding Your Investments........... 63

8a)........... Basics to Know-Calculate Returns........... 65

8b)........... Market, Limit, and Stop Orders........... 66

8c)........... The Primary Benchmarks........... 70

Chapter IX

Step 9:........... Mutual Fund Checklist: Items You Need to Address Before Investing........... 72

9a)........... A Little Housekeeping to Understand Your Options for Fees Charged........... 73

9b)........... The Mutual Fund (and Other Investments)
Checklist........... 75

Chapter X........... Do It Right: Learn Before You Invest........... 79

10a)........... The Basics: Classification of Funds........... 83

10b)........... Types of Funds We See Most Often........... 84

10c)........... Specialty Funds, Alternative Investments
(Hedge Funds, Options, REITs, Index Funds, ETFs, Money Managers)........... 86

10d)........... Comparing Mutual Funds, Index Funds, ETFs, Money Managers, and Annuities........... 95

10e)........... An Example of How I Manage
a Client’s Money........... 101

10f)........... Arbitration Alert........... 103

10g)........... Understanding Mortgages........... 104

10h)........... Mortgage shopping worksheet........... 105

Chapter XI........... All About Bonds........... 104

Chapter XII........... How to Choose an Adviser........... 114

Chapter XIII........... Did You Know?
A Little Trivia........... 116

Chapter XIV........... Quick Reference List of Web Pages........... 118

Chapter XV........... Summary........... 121

Glossary........... Estate and Financial Definitions........... 123

Notes...... Now in the second addition is 152 pages of help for you and your family!
non-fiction, business, self-help, health, action/adventure, comic book, women's issues, science fiction, recovery, humor, inspirational, reference, young adult, mystery, ebook, romance, history, wellness, fantasy

About Me

Author Portrait
Frank J. Eberhart CEP, RFC I am a high net worth client (5 million investable assets or above) Financial Advisor. We handle all aspects of the client needs from trust services, investments, retirement planning, qualified plans, commercial and residential mortgages. I wrote my book The Procrastinator's Bible for Financial Success to bring to the street all the things the wealthy do -- to not just to make money, but keep what they have made!

Testimonials

*Awards Finalist for literary book of the year from RebeccaReads
*5 star gold review from Clarion-Foreword Magazine
*Finalist in the Indie book awards
*USA books Finalist in Personal Finance
*USA books Finalist in Investing

...I have been awarded ezlinearticle.com expert author designation.

My Links

bookworm.tv
book review
amazon.com
barnes & noble
authors den bookstore

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Contact Me

...
Area Signings, Non-local Signings, Workshops/Lectures, Conferences
57 Main Street
Chester, NJ 07930
www.bookworm.tv

Events

Sponsored by the BBB national TV awareness campaign and Eberhart Financial:

August 4-10 NBC news

August 11-17th- CBS news

November/December date to be announced WeTv (women's entertainment network) infomercial

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Awards

Total number of awards: 1

AwardDate awardedReason for Award
2010supporter.png2010 Site Supporter 2010-03-13Thanks for supporting the PDB in 2010.

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ProfileBlog

New Health Care Mandates

Created On: 01/03/2011 06:41:29
We are gathered here today to punish business.
These requirements are EMPLOYER Mandates NOT insurance companies (Insurance Companies are providing some guidance, but state very clearly they do not give legal advice and contact your attorney). The old format for SPD's is no longer valid, and must be an ERISA document format.

Under the new health care law retroactive to September 23rd, and October 15th 2010 and ERISA ACT of 1974, we are now required to submit the following if you have one employee and offer healthcare:

!. Summary Plan Descriptions (SPD'S) are now in ERISA document form only, no more than 4 pages, no larger than 12 point type set etc etc etc.

2. HCR Notifications (health care reform for grandfathered non-grandfathered plans) if you have made any changes to your plan, you are not grandfathered (eventually no one will be).

3. Family Leave for 50+ Employees. Eligible employees have the right to take up to 12 weeks of unpaid leave annually due to certain family reasons.

4. IRS Code 105(h)(5) Discrimination Testing. Believe it or not, this is to test (2 tests) for highly compensated employees for welfare befits (like your 401K or 403(b).

The only exemptions are of course the Federal Government. Exemptions are for church groups under ERISA only, but they are required to complete the HCR Notifications and Discrimination Testing. These generally take effect on your welfare benefit renewal date. The fines are very severe, $310 per day per employee, and up to $500,000 for discrimination testing.

Maybe the best time to outsource, we provide all the above with a written guarantee, starting at $1750.00. I'm sure an ERISA attorney will out get out of bed for this, or take the liability for HCR, and you will need an administrator for Family Leave and Discrimination Testing. Keep in mind not many companies even know this is coming at them. You know have to deal with ERISA/DOL/IRS and 1600 new agent to enforce this!

I 'm Frank J. Eberhart, CEP, RFC Financial Advisor and author that provides Payroll, Time and Attendance, BLR, Employee Benefits, 401K, Administrative Services.

Frank payroll@hris.comcastbiz.net P: 908-879-4330 F: 908-879-3882 http://WWW.bookworm.TV

Article Source: http://EzineArticles.com/?expert=Frank_Eberhart

Frank Eberhart

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