1-800-680-9052 9am - 6pm Mon. thru Fri. EST [ Store Categories - View Your Cart - Contact Us ] Three Books in Total Over $14.00 in Savings Shopping Guide: Store Categories Customer Accounts Contact Us Return Policy Help Area Secure/Confidential Guarantee Rental Policy/Program Financial Aspects for Divorce Package (3) Three Books with This Package (this package is current & has been carefully selected!) Purchase Price $83.85 (place order below) Your Savings $14.00 (place order below) Availability: In Stock (immediate) Shipping: 24 Hour - Confidential Packaging This book package delivers the best value for the money and is highly recommended for anybody who is getting divorced and needs to understand all aspects of property, assets, debt, taxes, and how each are divided in divorce! Please Read About the (3) Books and Order Below: Book #1 Divorce and Money: How to Make the Best Financial Decisions During Divorce Price with Package: $30.95 Normal Price: $34.95 You Save: $4.00 From the moment a couple contemplates divorce until after the divorce is final, both parties must protect their individual property interests. Lawyers and judges concentrate on the legal issues, not the long-term financial consequences of divorce. This book is a practical guide to evaluating assets during divorce. It explains how to determine the real value of marital property including houses, businesses, retirement plans and investments and how to negotiate a settlement that is fair to both sides. Step-by-step it shows you: Decide whether to keep or sell the house Protect yourself against misuse of joint accounts and credit cards Prevent tax problems Handle alimony and child support Divide debts Reduce risks to your investments Avoid making hasty decisions that could hurt you financially Know the difference between how a court evaluates assets and what they're really worth Gain financial stability in your new life as a single person About the Author: Violet Woodhouse is an attorney and Certified Financial Planner. Victoria F. Collins is a Certified Financial Planner with a Ph.D. in Psychology. Both specialize in divorce and property settlement issues. Book #2 The Property Division Handbook Price with Package: $27.95 Normal Price: $32.95 You Save: $5.00 Before Agreeing to Anything, You MUST Read This Book! Featuring... - 108 Frequently Asked Questions About Property Division. - State-by-State Property Distribution Laws and Principles. - 40 Page Financial & Divorce Information Checklist. - Comprehensive Divorce Glossary. Here Are a Few Examples: 1. What is a property settlement? 2. What about joint bank accounts? 3. What will happen to my credit rating or my ability to get a loan? 4. What is "separate property"? 5. What about my pension? Is that marital property? 6. How does moving money around change property from marital to separate? 7. What is "quasi-community property"? 8. What about dividing personal property? 9. What if I do not like the judge's decision? 10. And 99 more to help you along the way... This book will explain in detail the property distribution aspect of divorce and separation. It will focus on the rights each spouse has under certain laws, situations, and circumstances, and how the division of the property will be decided by the court or through negotiation. When divorce is inevitable, you must make sure that you are getting what you deserve! Your property is categorized as either "marital" or "separate" and each spouse is entitled to a portion (often 50%) of that which is "marital". The goal of this book is to make sure you understand what is considered marital property, so you are well aware of what you are entitled to. Do yourself the financial favor and read this book! The consequences of not understanding and finding out when it is too late can be financially and emotionally devastating! Book #3 Pension Issues & Divorce Price with Package: $24.95 Normal Price: $29.95 You Save: $5.00 When couples get divorced they must decide how to divide their property. Retirement benefits (pensions) often form a substantial part of the parties' total marital estate and many times are the largest single marital asset afforded the couple. Similar to other assets, pensions are typically divisible in cases of divorce to the extent that they are acquired during the period of marriage. In order to divide a pension, the value of the retirement benefits accumulated during the period of marriage must be determined. The division of these benefits follows a 3-step process. 1. Classification Each pension is classified as to whether or not it is considered property, and from there, separate or marital property. There is a broad general consensus that retirement plans of all types do constitute property. 2. Valuation Each pension that is considered marital property is appraised to determine its value. 3. Distribution Each pension that is considered marital property is analyzed to determine the most equitable way it should be divided and distributed to the parties. The Table of Contents: Chapter 1 - Overview of Pension Issues in Divorce * Meeting #1 - Discussion of Basic Issues * Meeting #2 - The Valuation Process * Meeting #3 - Division of the Benefits Chapter 2 - The Basics of Pension/Retirement Plans * Future Benefit Plans - Retirement Plan - Disability Plan * Classification of Future Benefit Plans - Matured Plan - Unmatured Plan - Vested Plan - Unvested Plan - Defined Benefit Plan - Defined Contribution Plan - Noncontributory Plan - Contributory Plan Chapter 3 - Why Pensions are Divided Upon Divorce * What Is Property? - Property is Certain - Property is Transferable * Pensions as Property - Argument against pensions as property - Argument in favor of pensions as property Chapter 4 - Property Division Law * All Property Model - must meet the definition of property - is owned by one or both parties on the date of classification * Dual Property Model - must meet the definition of property - is owned by one or both parties on the date of classification - was acquired during the marriage - is not expressly defined as separate property * Comparison of the Two Models Chapter 5 - Distributing Retirement Benefits * The Two Methods of Distribution - Immediate Offset Method - Deferred Distribution Method * Strengths and Weaknesses of Immediate Offset Method * Strengths and Weaknesses of Deferred Distribution Method * Reserved Jurisdiction Method Chapter 6 - Mechanics of Deferred Distribution * Method of Payment * Time of Commencement of Benefits * Remarriage * Modification of the Award * Taxes * Death * Interest * Future Pension Options * Loss of Pension Benefits * Using Present Value to Set a Maximum Amount Payable Chapter 7 - Use of a Qualified Domestic Relations Order (QDRO) to Accomplish a Deferred Distribution * Introduction * What is a Qualified Domestic Relations Order (QDRO)? * ERISA, REA and the Antialienation Provision * Criteria for a QDRO * Types of Plans - QDRO Issues Under ERISA Defined Contribution Plans - QDRO Issues Under ERISA Defined Benefit Plans * Shared Interest Approach * Separate Interest Approach - DRO Issues under State and Local Government Plans - Court Ordered Benefits Issues under the Military Retirement System - Court Order Acceptable for Processing Issues under the Civil Service Retirement System (CSRS) and Federal Employees Retirement System (FERS) * Deferred Offset Awards * Other Division Options for Deferred Distribution - Liquidation - Informal Offset Chapter 8 - Mechanics of Immediate Offset * Valuing Pensions for Equitable Distribution * Valuation of Defined Benefit Plans - Present Value - Step 1 - Determine the Amount of the Benefit - Step 2: Discount to Present Value - Step 3: Mortality Discount - Step 4: Discount for Vesting Status - If Applicable - Step 5: Apply a Coverture Fraction - If Applicable * Methods of Determining Present Value of Defined Benefit Plans - GATT Method - PBGC Actuarial and Mortality Table Method - Life Expectancy Method * Other Techniques for Valuing Defined Benefit Plans - Valuation Formulas found within the Plan - Total Contributions to the Plan - Total Offset - Withdrawal Value * Valuation of Defined Contribution Plans - Segregation Method - Subtraction Method - Coverture Method Chapter 9 - Discussion of Special Issues * Bankruptcy * Early Retirement Subsidy * Non-Vested Pension Benefits * Passive Appreciation * Post-Retirement Cost-of-Living Adjustments * Retirement Incentives/Severance Pay * Social Security Offset * Stock Options * Survivor Benefits * Tax Consequences Appendix I - General Pension Valuations FAQs Appendix II - General QDRO FAQs Appendix III - Immediate Offset v. Deferred Distribution Appendix IV - PBGC Actuarial and Mortality Table Method v. GATT Method Appendix V - Sample Authorization & Questionnaire Glossary of Terms About the Author: Kathryn V. Zeller, is a pension analyst with Pension Appraisers, Inc., which values pensions throughout the U.S. for equitable distribution in divorce. She has over ten years experience with valuing pensions and drafting qualified domestic relations orders. She has also testified in 10 different states regarding the distribution of pensions upon divorce. Buying this Package is Easy & Confidential! Just click the "Click Here to Buy This Book" button and you will be advanced to a page displaying your current cart contents. You can always add and/or remove items from your cart prior to "Proceeding to Check Out". Financial Aspects for Divorce Package Price:$83.85 - Your Savings is $14.00 Quantity: Instructions to Fax or Mail your order are available by proceeding with the standard "Add To Your Shopping Cart" process. At which time you will complete your order information and choose your ordering method. If you have any questions about placing an order, please call 1-800-680-9052. Copyright© All rights reserved by Divorce Source, Inc.