4 Steps To Financial Security For Lesbian And Gay Couples

THE FIRST FINANCIAL GUIDE TAILORED EXCLUSIVELY TO LESBIAN AND GAY COUPLES ON HOW TO PROTECT THEIR ASSETS WHEN LAWS FAIL Lesbian and gay couples can achieve solid, long-term financial security—but they need to arm themselves with foresight, awareness, and facts. That's what this book is all about. Now, drawing on more than twenty years' experience as a financial adviser to lesbian and gay couples, Harold L. Lustig has written the definitive financial guide for you and your partner. Through Lustig's four easy-to-follow steps to economic security—PLAN, PLAN, PLAN; PROTECT WHAT'S YOURS; THINK COMMUNITY; USE NON-CONVENTIONAL WISDOM AND TAKE ACTION—this invaluable book gives you workable financial strategies and up-to-date information on - Estate planning—why it's especially vital for you and your loved one - Tax advantages available to you—and not to legally recognized couples - Reducing your tax load through charitable contributions and shifting assets - Avoiding the "gay penalty" on long-term health care and retirement plans - Tips for funding a college education—without dropping into the red - Reentering the job market when you are HIV positive - Buying and fine-tuning disability insurance - The facts about joint ownership And much more! Despite unfavorable laws, you can protect your assets, provide for retirement, avoid discriminatory penalties, get out of debt, and ensure that you and your partner enjoy and share what you've earned together. This clear, smart, practical guide provides the essential financial information that every lesbian and gay couple needs and deserves.

Most therapy is set up in a heterosexist context. Explore the issues facing your gay, lesbian, and bisexual clients--and how to deal with them! The Therapist's Notebook for Lesbian, Gay, and Bisexual Clients offers therapists treating lesbian, gay, and bisexual clients innovative, practical interventions plus homework and hands-on activities tailored to these populations. Use the notebook to explore the issues surrounding coming out, homophobia in the workplace, spirituality, identity formation, and issues that require a non-heterosexist approach, such as domestic violence and relationship concerns. Grounded in current theory, each chapter explains the rationale for the activity it proposes, includes contraindications, and provides a list of helpful resources for therapists and clients. Here are just a few of the issues this extraordinary book explores in its four thoughtfully planned sections: Section I: Homework, Handouts, and Activities for Coming Out and Managing Homophobia and Heterosexism addresses: conflicts in self-perceptions obstacles to the growth of a healthy GLB identity dealing with the trauma and anxiety that result from discrimination using semi-hypnotic visualization to treat internalized homophobia helping bisexuals decide whether to come out or to “pass” coping with internalized homophobic messages dealing with heterosexism in the workplace or at school Section II: Homework, Handouts, and Activities for Relationship Issues will help you and your clients understand and work on issues involving: choosing the right partner intimacy and gender roles financial stability assimilation, queer pride, and everything in between how ethnicity and coupling impact sexual identity negotiating a healthy open relationship sexual concerns, sexual dysfunction, and pleasuring sexual role values for bisexual and lesbian women Section III: Homework, Handouts, and Activities for Gender, Ethnic, and Sexual Identity Issues addresses “who am I” issues: sexual orientation and gender identity the intersection of sexual and ethnic identity oppression on multiple fronts gender exploration for lesbians Section IV: Homework, Handouts, and Activities for Specific Issues tackles concepts including: enhancing resilience through spirituality reconciling with religion spiritual wellness and the spiritual autobiography body image disturbances unwanted sexual behavior creating a safety plan in case of same-sex domestic violence alienation and finding a caring community medication adherence for HIV+ clients the difficulties faced by coupled lesbians with children family care planning addiction and recovery healing from the wounds of homophobia relationships with ex-partners managing workplace stress If you're new to treating lesbian, gay, and bisexual clients you’ll find rich material, based in current literature, to guide your work. If you've already worked extensively with LGBT clients, the activities and fresh, innovative strategies in The Therapist's Notebook for Lesbian, Gay, and Bisexual Clients will expand and invigorate your skills.

For a population accustomed to empathizing with clients, financial planning is not intuitive. This volume, written by two therapists with extensive business experience, offers sound advice for mental health professionals in private practice.

Use your advantage to fight for social change with this resource guide for people with class privilege who are tired of cover-ups and ready to figure out how to use privilege for the good of the world. The fight for economic justice can draw stark battle lines, with the fight portrayed simplistically as Us versus Them, with the rich in the role of "Them." So where does that leave young people with wealth who believe in social change? Afraid of being branded the enemy, yet deeply committed to social justice, they're left in a confusing no-man's land. This conflict can lead most young people with wealth to keep their privilege hidden, making it impossible for them to bring their resources, access, and connections to the struggle for social change. Coauthored by Karen Pittelman, who dissolved her $3 million trust fund to cofound a foundation for low-income women activists, Classified is a resource guide for people with class privilege who are tired of cover-ups and ready to figure out how their privilege really works. Complete with comics, exercises, and personal stories, this book gives readers the tools they need to put their privilege to work for social change.

The Source for Book Proposals Success! How to Write a Book Proposal is THE resource for getting your work published. This newly revised edition of the Writer's Digest Books classic outlines how to create an effective, nonfiction book proposal in a clear, step-by-step manner. You'll learn the keys to a successful book proposal and how to: • Test-market the potential of a book idea and effectively communicate that potential in a proposal • Choose the best agents and editors for a particular proposal • Create a professional-looking proposal package • Predispose publishers to make their best offer Notes agent and author Michael Larsen also provides insider insights into the publishing industry as well as a plethora of newly updated information including: • Recent changes in the publishing industry • Updated trend information • New sample proposals • Expanded instructions for creating outlines You'll also find complete guidelines to becoming an effective self-promoter. How to Write a Book Proposal is a must-have for every writer!

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This is the no-nonsense guide that will give you everything you need to know about how to pay for long-term care for yourself, Mom or Dad without going broke. Naked in the Nursing Home adroitly weaves together both humor and hard-hitting facts to equip you and your elderly parents for the future. This book is authored by a financial advisor who specializes in working with the elderly and their familes, with new information from two of the leading elder law attorneys in the country. This book takes a look at the following critical information:- Defining long-term care in layman's terms- Common myths surrounding long-term care costs and options- How to identify and prevent a family financial crises- Understanding Medicaid and how to use it to your benefit- Alternatives in long-term care insurance and tax benefits- Special benefits for U.S. veterans

"This clearly written, comprehensive, accessible guide belongs in the library of all gays and lesbians who are thinking of partnering or who are already partnered.... Learn about domestic arguments, managing joint income and protecting yourself and your significant other financially...buy and read this book." -Martin Kantor, MD, author of My Guy and Together Forever Legal rights for the GLBT community are expanding every year. Cities and states all over the country are passing new legislation that makes it easier than ever before to protect yourself and your relationships. Gay & Lesbian Rights details how you can take advantage of the latest legal advances. - A brand-new section answers all your questions about the eight states that legally recognize same-sex partnerships. - A convenient appendix features useful resources such as websites, organizations and hotlines for information and support-including support for GLBT teens. - Tip boxes highlight how to find the information you need to live your life the way you want. Gay & Lesbian Rights explains how to stand up for your rights, use the law to your advantage and get the results you need-even in not-so-GLBT-friendly environments. Use Gay & Lesbian Rights to learn how to: - formalize your relationship through a civil union or marriage - register a domestic partnership - defend yourself against discrimination - encourage equality in the workplace - combine finances and households - obtain health insurance for your family - adopt or conceive a child - ensure a safe school environment for your children - provide for your family with estate planning tools - end a domestic partnership - make a difference in your community