^^ PDF Download How to Buy a House in California, by Ralph Warner, Ira Serkes, George Devine

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The most complete guide to buying a home in the Golden State

A thorough, practical guide to every aspect of buying a house, How to Buy a House in California will help you make informed decisions that can save you thousands of dollars. With this bestseller in hand, you'll learn how to:

choose a house and neighborhood

find the right agent

get the most up-to-date information on mortgage options and rates

take advantage of creative financing strategies - from

seller financing to government loans

figure out how much down payment you can afford

make an offer and negotiate with confidence for the best price

buy a new house in a development

inspect a house for physical problems and environmental hazards

juggle buying and selling houses simultaneously

successfully go through escrow

The 11th edition is completely updated and provides an easy method for calculating how much house you can afford. Plus, you'll find the current rules for government-assisted loans and the latest resources.

List of Forms:
Ideal House Profile
House Priorities Worksheet
House Comparison Worksheet
Family Financial Statement
Directions for Completing the Family Financial Statement

• Sales Rank: #4094792 in Books
• Published on: 2007-03
• Original language: English
• Number of items: 1
• Dimensions: .90" h x 7.04" w x 8.98" l,
• Binding: Paperback
• 413 pages

Review
"A compendium of home-buying information, from choosing your castle to escaping escrow unscathed." -- San Jose Mercury News

"A valuable resource for California homebuyers and real estate professionals throughout its many editions." -- San Francisco Chronicle

"Berkeley-based Nolo, the highly respected do-it-yourself legal publishing company, has an excellent book entitled How To Buy A House In California... [which] has many sections for folks looking to buy a home on a budget..." -- Tom Vacar, Consumer Editor, KTVU

"Invest in this book... it is virtually impossible to think of anything they left out because they have anticipated every question home buyers might have." -- Robert Bruss,syndicated real estate columnist

"One of the most detailed real estate books you will ever read.... Filled with practical advice..." -- Los Angeles Times

About the Author
Ralph "Jake" Warner stepped aside as day-to-day manager of Nolo in 2004, after 32 years as president of the company. Widely regarded as a pioneer of the self-help law movement, Warner founded Nolo with Ed Sherman in 1972. He began publishing do-it-yourself law books written by him and his colleagues after numerous publishers rejected them. When personal computers came along, he added software to many Nolo books. When the Internet arrived, he pioneered online marketing of books.

In addition to running the company, Warner was an active editor and author. He wrote many books, including Get a Life: You Don't Need a Million to Retire Well and How to Run a Thriving Business. Today, he serves as chairman of Nolo's board of directors. He has also embarked on a new business venture: TallTales Audio, an audio book production company devoted to children's storytelling, online and on CD.

In guiding Nolo, perhaps the greatest challenge Warner faced was an attack by the Texas legal establishment in 1998. Texas lawyers tried to brand Nolo as practicing law without a license. The ensuing battle galvanized Nolo, whose final victory has become part of Nolo legend.

Ira Serkes is a local Realtor with RE/MAX Real Estate and a Certified Residential Specialist. He and his wife, Carol, specialize in helping home buyers and sellers throughout the east bay. He is a founding member of The Institute for Luxury Home Marketing and author of Nolo's How to Buy a House in California and Get the Best Deal When Selling Your Home - San Francisco Bay Area Edition from Gabriel Publications. Serkes is also a graduate of Realtors Institute (GRI), a Certified Internet Real Estate Professional (e-Pro), a Seniors Real Estate Specialist (SRES) and one of only 4,000 U.S. an Accredited Buyer Representatives (ABR).

George Devine is a licensed real estate broker and a widely respected educator in the real estate field. He holds a B.A. from the University of San Francisco, and an M.A. from Marquette University, and has pursued additional studies at San Francisco State University, Seton Hall University, Fordham University, New York University, the University of California at Berkeley and other academic instututions. Currently, he teaches real estate at the McLaren School of Business at the University of San Francisco, where he was named the Outstanding Adjunct Professor. For several years, George wrote the popular "Real Estate Handbook" column in the weekly Real Estate Guide section of the San Francisco Progress. He is the author of For Sale By Owner in California and co-author of How to Buy a House in California.

Most helpful customer reviews

2 of 3 people found the following review helpful.
Mostly common sense stuff...not much new
By Brian Stepanek
I was disappointed in this book, especially after all the good reviews about it. I don't consider myself to be an expert by any means on home buying, yet I found that 95% of the information this book presented was common sense stuff. I read the book from cover to cover (besides the appendixes, of course), and while the book confirmed a lot of stuff that was in my mind, I got very little new information from it. Unless you have been living under a rock, I don't think you will need this book.

0 of 0 people found the following review helpful.
Wonderful Resource
By J. Siebold
I purchased this book because I was a first time home buyer and the information and tips I got from this book were wonderful. There was a tip about calling local title companies to find out who they think are good local real estate agents. I called for a recommendation, and it worked wonderfully! I found a great agent using that tip and I am extremely pleased with how everything worked out. The extra knowledge I acquired from this book was very helpful throughout the whole home buying process. It is an easy and fun book to read. The authors give stories from their personal experiences and also provide explanation of terms, etc. I would recommend it to any one who is going to buy a home.

1 of 1 people found the following review helpful.
Usability Limited by Format
By Lee
While I appreciate the thoroughness and helpfulness of the text, this book depends on the reader to fill in multiple written exercises to help them assess their needs and capabilities. Because the e-book gives the user no way to access high fidelity versions of the exercise sheets, it's utility is decreased significantly. I would recommend against buying the e-book because of this limitation.

I attempted to contact NoLo press after the purchase to see if they had a remedy to provide the worksheets in a high fidelity format, but was told that it was not available to purchasers of the Kindle edition of the book.

See all 6 customer reviews...

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~ Download The Practice of Collaborative Counseling and Psychotherapy: Developing Skills in Culturally Mindful Helping, by David A. Paré

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The Practice of Collaborative Counseling and Psychotherapy: Developing Skills in Culturally Mindful Helping is a comprehensive introduction to counseling and psychotherapy skills designed to teach future practitioners how to develop and foster collaborative relationships with their clients. Keeping power relations and cultural diversity at the forefront, Paré's text examines, step by step, the skills involved in collaborative therapeutic conversation―an approach that encourages a contextual view of clients and counteracts longstanding traditions of focusing primarily on individual pathology. Indeed, this insightful text teaches students how to keep clients at the heart of their therapy treatment by actively engaging them in the helping process.

• Sales Rank: #716446 in Books
• Brand: Brand: SAGE Publications, Inc
• Published on: 2012-12-19
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x .80" w x 7.40" l, 1.45 pounds
• Binding: Paperback
• 504 pages

Features

• Used Book in Good Condition

Review

 

“At last! The textbook I have been waiting for!

It's hard these days to write a counseling textbook that is fresh and doesn't read like a rehash of existing texts. David Paré has done it.

Many textbooks teach the practice of counseling to new learners by relying on basic ideas generated before the 1970s and grafting more recent developments onto this foundation as optional modalities. David Paré avoids this trap. He does not assume that the world has not changed or that innovative ideas that demand attention are not constantly being produced. Neither does he dismiss the foundations of counseling laid a generation or two ago as irrelevant. Instead he weaves into them new emphases drawn from the most creative practices of recent decades and makes them relevant to students learning the basics of practice. Specifically, ideas drawn from the turn to meaning are placed alongside well-established traditions of counseling.

Remarkably, David Paré both draws from sophisticated philosophical thought and yet avoids heady jargon. He speaks to the reader in a very direct, practical, and accessible way. This book guides students through the complex process of learning to be a counselor without hurrying understanding along or glossing over knotty issues. There is plenty of invitation to reflect, to loiter with a poignant metaphor, to discuss subtle nuances, and to incorporate both accumulated wisdom and vigorous new ideas into creative practice.

There are also many useful suggestions for practice exercises to use in class. This book will help enthusiastic and caring practitioners become skilled and intentional in their practice. I can't wait to share it with classes.”

(John Winslade 2012-10-01)

About the Author
David Paré, PhD is a psychologist and family therapist. He is also a full professor at the University of Ottawa, Faculty of Education, where he teaches counselling and psychotherapy. The director of the Glebe Institute, A Centre for Constructive and Collaborative Practice, Dr. Paré has a long-standing interest in collaborative approaches to counselling and supervision. He is co-editor of Collaborative Practice in Psychology and Therapy (with Glenn Larner) and Furthering Talk: Advances in the Discursive Therapies (with Tom Strong).

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0 of 0 people found the following review helpful.
This book is thought provoking and so well organized. ...
By Amazon Customer
This book is thought provoking and so well organized. Pare leads us, step by step, thru the process of counseling, parsing concepts into new understandings that deepen awareness and skill in relating to others. Must read.

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New to campus, but not to college? TRANSITIONS is specifically written with you in mind. It has the information you need to know-from campus terminology to tips on making the most of your college experience. And with sections written by real college students, TRANSITIONS is the textbook that will help you have the college success you've always dreamed of.

• Sales Rank: #576832 in Books
• Brand: Brand: Cengage Learning
• Published on: 2007-02-27
• Original language: English
• Number of items: 1
• Dimensions: .30" h x 6.52" w x 9.25" l, .57 pounds
• Binding: Paperback
• 192 pages

Features

• Used Book in Good Condition

About the Author
Susan Weir, Ph.D. is the Assistant Vice Provost for Student Success Initiatives at the University of South Carolina. She has over 12 years academic advising and programming experience with a diverse range of students, including new students and students in transition. Susan developed a New Student Seminar, an orientation course for transfer students, and created a living and learning community exclusively for transfer students as well. She currently directs academic support services and retention initiatives at USC. Susan's educational background includes a doctoral degree in educational psychology, a master's degree in counseling psychology, and a bachelor's degree in journalism.

Most helpful customer reviews

3 of 3 people found the following review helpful.
Not just for transfer students
By Basham
If you want a portable but inclusive guide for your son or daughter, whether incoming freshman or transfer student, this book is a worthy choice.

Although it is marketed as a book for "transfer" students, most of the topics are applicable to all college students. And since many students will spend some time at more than one school, this is an excellent high school graduation gift for any college-bound senior.

Many of the topics are quite practical in nature. Students who are starry-eyed with the thought of college may forget about nutrition or other practical matters. Then, the "backside" of college is dealt with as well. Graduate school, resumes, the works.

My college-age son ranks this as the best of the several "college help" books he has seen.

0 of 0 people found the following review helpful.
Five Stars
By Halim A.
great costume

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>> Ebook Perrine's Sound and Sense: An Introduction to Poetry (Perrine's Sound & Sense: An Introduction to Poetry)From Brand: Thomson / Wadsworth

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There's no better way for you to learn about poetry and understand its elements than with PERRINE'S SOUND AND SENSE. Both a concise introduction to poetry and an anthology, this classic best-seller succinctly covers the basics of poetry with chapters on evaluating poetry, exemplary poetry selections that you'll enjoy reading, and exercises that help you understand each selection. Every poem included in this collection is not only a perfect illustration of the poetic concept at hand, but a remarkable work in its own right.

• Sales Rank: #46388 in Books
• Brand: Brand: Thomson / Wadsworth
• Published on: 2007-06-01
• Original language: English
• Number of items: 1
• Dimensions: .73" h x 7.10" w x 8.50" l, 1.08 pounds
• Binding: Paperback
• 452 pages

Features

• Used Book in Good Condition

Review
"Obviously, I love this text--have loved it now for 30 years. . . . I would not take very much out of what is here--it teaches so very well."

"These are all fine poems, to be sure."

"[Chapter 2] is one of my favorite chapters in the book. I remember it helping me over fifteen years ago when I first started teaching poetry at Moorhead State University, and I still find it immensely helpful for my students. I wouldn't change much here."

About the Author
Thomas R. Arp received a B.A. in English from the University of Michigan (1954) and a Woodrow Wilson Fellowship to Stanford University. In 1955-1956, he produced educational television for the University of Michigan. He received an M.A. in 1960 and a Ph.D. in 1962 -- both from Stanford. He taught at Bowdoin College, Princeton University, University of California at Berkeley, Hull University (England), and Southern Methodist University. Macmillan published his volume THE FORM OF POETRY in 1966, and he received a Fulbright lectureship at University of Bucharest (Romania) in 1969-1970. Arp joined Laurence Perrine in preparing revised editions of SOUND AND SENSE, STORY AND STRUCTURE, and LITERATURE: STRUCTURE, SOUND, AND SENSE beginning in 1982. He became sole author of the books in 1997 and was joined by Greg Johnson in 2002. Dr. Arp passed away in 2015.

Greg Johnson received an M.A. in English from Southern Methodist University and a Ph.D. in English from Emory University. Dr. Johnson is the author of 12 books of fiction, poetry, criticism, and biography, including LAST ENCOUNTER WITH THE ENEMY (Johns Hopkins, 2004), WOMEN I'VE KNOWN: NEW AND SELECTED STORIES (Ontario Review, 2007), the novel STICKY KISSES (Alyson Books, 2001), and several books on Joyce Carol Oates, including INVISIBLE WRITER: A BIOGRAPHY OF JOYCE CAROL OATES (Dutton, 1998) and JOYCE CAROL OATES: CONVERSATIONS 1970-2006 (Ontario Review, 2006). He joined the author team of PERRINE'S LITERATURE in 2002 and has been the sole author since Thomas Arp's passing in 2015.

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58 of 60 people found the following review helpful.
A Superb Introduction to Poetry and Poetic Form
By Michael Wischmeyer
I came across an early edition of Sound and Sense a few years ago. At first glance the slighty yellowed text appeared foreboding with chapters like denotation and connotation, imagery, figurative lanaguage, allusion, tone, rhythm and meter, sound and meaning, and so forth. I found it hard to imagine a less lifeless approach to poetry. However, the text did seem to contain a sizeable anthology as an appendix and poetry was abundant in every chapter. I reasoned that I could skip the poetic structure discussions and simply read the poetry.

But from the beginning I found Perrine's style and approach to be stimulating, rather than analytical. Throughout we are immersed in poetry, great poetry, familiar poetry, unfamiliar poetry. Perrine argues that poetry needs to be read and reread carefully for full understanding and appreciation. We need to learn to think about poetry with some seriousness, but not in a cold, calculating manner. We approach new poetry with our eyes and ears open, our senses alive.

Yes, as other reviewers point out, Sound and Sense is structured and does methodically explore poetic forms in some detail. But this is not a drawback. It is actually an aid to understanding. Perrine manages to achieve his instructional objective without diluting his central message: poetry is to be enjoyed. He never forgets that his subject is poetry, and not poetic form and structure.

I have since learned that Perrine's text is still in use today, nearly fifty years after publication of the first edition. (See recent 10th edition 0155073966, June 8, 2000.) How can that be? Few textbooks achieve ten printings, much less ten editions. Even the title change signifies respect; it is no longer simply Sound and Sense, it is "Perrine's Sound and Sense".

I highly recommend Perine's text to anyone willing to invest a little time and study to poetry. The return will be worthwhile. I give Sound and Sense five stars.

24 of 24 people found the following review helpful.
Excellent for use with students
By Brian C. Holly
I am currently using this book with 11th grade English students, and they have been truly caught up in it. We are actually having arguments in class over poetry!! I do find, however, that it is helpful to do the chapter on rhythm and meter much earlier than I would if I were following the chapters in order. My experience is that students have a difficult time hearing the rhythm of poetry and are generally unable to read aloud with any success. Jumping ahead early to the chapter on rhythm and meter and having the students tap out the meters and then mark the scansion produces a wonderful improvement in their ability to hear the poems and read them aloud. I would heartily recommend this book for use in grades 11 and 12, and for college freshman. It makes the study of poetry hugely enjoyable, as it should be but rarely is, for both student and teacher.

0 of 0 people found the following review helpful.
Excellent condition
By Paul M. Deines
The book arrived in excellent condition.

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>> Download PDF BUNDLE: Statistics for People Who (Think They) Hate Statistics Excel Ed 2e + Management Research 3e, by Neil J. Salkind, Mark Easterby Smi

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• Published on: 2009-04-02
• Original language: English
• Number of items: 1
• Dimensions: .0" h x .0" w x .0" l, .0 pounds
• Binding: Hardcover

About the Author

Neil J. Salkind received his PhD from the University of Maryland in Human Development, and after teaching for 35 years at the University of Kansas, he remains as a Professor Emeritus in the Department of Psychology and Research in Education, where he continues to collaborate with colleagues and work with students. His early interests were in the area of children’s cognitive development, and after research in the areas of cognitive style and (what was then known as) hyperactivity, he was a postdoctoral fellow at the University of North Carolina’s Bush Center for Child and Family Policy. His work then changed direction and the focus was on child and family policy, specifically the impact of alternative forms of public support on various child and family outcomes. He has delivered more than 150 professional papers and presentations; written more than 100 trade and textbooks; and is the author of Statistics for People Who (Think They) Hate Statistics (Sage), Theories of Human Development (Sage), and Exploring Research (Prentice Hall). He has edited several encyclopedias, including the Encyclopedia of Human Development, the Encyclopedia of Measurement and Statistics, and the recently published Encyclopedia of Research Design. He was editor of Child Development Abstracts and Bibliography for 13 years and lives in Lawrence, Kansas, where he likes to letterpress print (see https://sites.google.com/site/bigboypressofks/ for more), read, swim with the Lawrence River City Sharks, bake brownies (see the recipe at http://www.statisticsforpeople.com/The_Brown.html), and poke around old Volvos and old houses

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> Ebook Free The Moral Imperative Realized, by Michael Fullan

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Award-winning author and educational reform expert Michael Fullan shows how to achieve successful local and systemic school reform through the strength of shared leadership.

• Sales Rank: #768573 in Books
• Brand: Corwin
• Published on: 2010-11-16
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x .26" w x 6.08" l, .37 pounds
• Binding: Paperback
• 96 pages

Features

• Create a culture of moral leadership
• Drive change with school leaders
• Achieve systemwide progress
• Avoid educational blind alleysSchool leaders and principals must answer the call to drive the change
• Title - The Moral Imperative Realized

Review
"Every child must reach their potential, that is the moral imperative that Michael Fullan is again calling our attention to! Not only does The Moral Imperative Realized shine the light on the path that each of us in Public Education must walk; it provides the call to action that we must answer!" (Marcus P. Johnson, Superintendent 2010-10-12)

"The Moral Imperative Realized is a call to action. Michael Fullan makes it clear that the most pious mission statement held with passionate conviction will not improve schools unless educators take strategic actions to bring that mission to life. More importantly, he offers specific examples of system-wide improvement with such precise strategies for implementation that inaction is no longer an option for educators who contend they are committed to high levels of learning for all students. Like all of Fullan's work, this is a must read." (Richard DuFour, Author 2010-10-12)

"Michael Fullan ups the ante once again for school reformers. In The Moral Imperative Realized, he makes it clear that anyone who ignores the moral dimensions of of school improvement is doomed to fail. This is an essential resource for any change leader." (Jim Knight, President 2010-10-18)

"A powerful and timely book that forcefully says that the only moral reality that counts is one that you can actually accomplish. And then Fullan shows how this can be done." (Bill Hogarth, Consultant 2010-10-18)

"Michael Fullan has given us a powerful roadmap for combining passion and strategic action. Practical, succinct and engaging. If this book doesn't move leaders to realize their moral imperative, nothing will!"
(Mary Jean Gallagher, Chief Student Achievement Officer 2010-10-18)

From the Back Cover
Award-winning author and educational reform expert Michael Fullan takes the subject of moral leadership to the next level by showing how to put change into practice at the local and systemic levels.

About the Author

An innovative thinker who is sought-after by institutions, publishers, and international think-tanks, Michael Fullan is special advisor on education to Dalton McGuinty, the premier of Ontario. He formerly served as dean and professor emeritus at the Ontario Institute for Studies in Education at the University of Toronto. He holds honorary doctorates from the University of Edinburgh, Scotland and from Nipissing University in Canada.

Fullan served as dean of the faculty of education at the University of Toronto from 1988 to 2003, leading two major organizational transformations, including a merger of two large schools of education. He is currently working as adviser and consultant on several major education reform initiatives around the world.

He bases his work on research and practice on both the public and private sectors, finding an increasing convergence in this literature. He has written several bestsellers on leadership and change that have been translated into several languages. Four of his books have won book of the year awards, and his publications have been translated into several languages.

Now, Michael Fullan is offering his experience to you in an online professional development opportunity!

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0 of 0 people found the following review helpful.
Energizing and invigorating!
By Marianne Mette Stenberg
The moral imperative realized gives both direction and energy in the important task of closing the gap and raising the bar for our students. Read it!

0 of 0 people found the following review helpful.
Four Stars
By carolina
Some great ideas for those seeking leadership qualities.

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> Get Free Ebook Estate Planning for Blended Families: Providing for Your Spouse & Children in a Second Marriage, by Richard E. Barnes

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In almost half of all stepfamilies, each parent brings one or more children to a new marriage and while other books give general information about wills, trusts, and taxes, many of them may not apply to couples in second marriages.

Estate Planning for Blended Families is the first book for parents in second marriages who want to provide both for their current spouse and their children from the current and prior marriages. Author Richard Barnes has years of experience guiding couples through the process of setting goals, discussing competing priorities, and choosing strategies and this book covers:

Identifying goals and concerns

Discussing matters with your spouse

Planning for all children involved

Estate and gift taxes in a second marriage

Choosing executors and trustees

Working with lawyers, financial planners and other experts

And much more

Estate Planning for Blended Families will also provide sample estate plans as well as the latest information regarding federal and state laws.

• Sales Rank: #327474 in Books
• Brand: Brand: NOLO
• Published on: 2009-05-18
• Original language: English
• Number of items: 1
• Dimensions: 8.98" h x .76" w x 7.04" l, 1.28 pounds
• Binding: Paperback
• 368 pages

Features

• Used Book in Good Condition

Review

“Blended families face unique challenges when they begin to plan their estates. Richard Barnes’ straightforward exploration of many of these challenges makes it a must-read for remarried couples.”
- Jon J. Gallo, Co-Author, Silver Spoon Kids: How Successful Parents Raise Responsible Children

“A much-needed book that thoroughly covers a complex and emotional topic with great sensitivity and clarity.”
- Joseph H. Astrachan, Editor, Family Business Review and Executive Director of the Cox Family Enterprise Center

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From the Publisher
Providing for Your Spouse & Children in a Second Marriage

From the Author
Top 10 Mistakes People Make in Estate Planning for Blended Families

by Attorney Richard Barnes

Failing to communicate your plans during life to your spouse and loved ones. At your death, some of the beneficiaries might receive an unpleasant surprise. The executor becomes the bearer of bad news and target of the disappointed beneficiaries.

Creating an estate plan that is inconsistent with an existing prenuptial agreement and failing to amend the prenuptial agreement or refer to it specifically in reaching the different designation. If a spouse is more generous than in their prenuptial agreement, that spouse's children may seek to challenge the estate plan, which pits those children squarely against the surviving spouse, who is forced to defend the plan.

Leaving large amounts of money or property outright to a surviving spouse or child who is not prepared for it.

Delaying the bulk of their children's inheritance until the death of the surviving spouse. If the surviving spouse is their stepparent, children may grow to resent the stepparent and may receive their inheritance past the date when it could be of most use to them and their families.

Choosing an unqualified or biased executor or trustee or choosing co-trustees or co executors who cannot agree, leading to deadlock.

Leaving significant property outright to minor children. If the ex-spouse is the guardian of the children, the ex-spouse may get significant control over the assets.

Leaving everything outright to one child with the expectation that the child will distribute it wisely among the surviving spouse and other children. That child is then hounded by siblings and the surviving spouse and subject to challenge in the way the child divides the property.

Failing to update beneficiary designations on nonprobate assets (life insurance, retirement plans and payable on death accounts). I have seen situations where years after the divorce the ex-spouse was still listed as the beneficiary -- clearly not the intended result!

Leaving everything outright to the surviving spouse, expecting the surviving spouse to take care of, and ultimately leave everything to, your children. The funds that you thought were ultimately going to your children may be consumed by the surviving spouse's lifestyle or creditors, or left to a new spouse or to the spouse's children.

Failing to have an up-to-date plan reflecting current goals and concerns.

Most helpful customer reviews

12 of 12 people found the following review helpful.
A great start for thinking through some tough questions
By K. Nettles
If this book were simply about the various estate planning options available, it would be undistinguishable from any of several other well-written books on the subject. The true strength of the book for me was the moral compass and genuine kindness that the authors encourage as they explain the various factors to consider in developing a plan. If you're looking for "10 ways to screw the ex-wife" or "How to leave your step-father homeless after mom dies," then this book is not for you. This book advocates for doing the right thing by all family members, which does not always mean even-stevens. With this purpose in mind, various scenarios and alternatives are examined. By the end of the book, I had a much better idea of how to approach our own estate planning and feel much more confident about how to direct our attorney in drawing up the papers.

8 of 8 people found the following review helpful.
Highly recommended
By Patricia A. Powell
I am a professional financial planner with over two decades of experience. It is with this background that I tell you that I love, love, love this book! It should be on the bookshelf of every financial planner, and read by anyone entering a second marriage where there are children from prior marriages.

How could one book be appropriate for both the novice and the professional?
* For the Novice: The books concepts are presented in English, not "legaleeze"; that will let the you develop some understanding of the blended family estate planning issues; let you think things through and talk things over before contacting a lawyer.
* For the Professional: This book is really well done. If you haven't studied estate planning issues in a professional program such as the CFP® (Certified Financial Planner), then this will be a great help to you. If you are already a CFP® ,(or other qualified professional) then this will be a quick up-to-date reference for you. Nola indicates that there are "Free legal updates at Nolo.com"

To give you an idea why I am so positive on this book... page 212 has the simplest tip that will save your heirs the frustration and agony of dealing with indifferent professional trustees and could save them thousands or tens of thousands of dollars in fee. It tells you that your trust documents should have a way to replace the trustee. It has been my professional experience that trustees work harder if they can be replaced. Additionally it is possible to negotiate fees if the banks/trust company needs to compete for your business. In all the years that I have been working as a planner, I have only seen 1 law firm produce such documents without a specific request of the client. Why is that? I can only speculate. But, law firms and banks/trust companies often refer clients back and forth. No money changes hands directly, but the fees earned indirectly can be staggering.

Don't expect that a single book is a substitute for a qualified estate lawyer. Wills, trusts and other estate planning tools in the opinion of this writer need to executed by qualified attorney licensed as such in the state in which you are domiciled. While almost any licensed attorney can do a will, whether or not that attorney is "qualified" to handle the sophisticated level of estate planning required by many blended families is another matter. This book should help you discern whether or not you have found the right professional for you.

Also, each state has its own peculiarities when it comes to estate planning. Some are community property states; some not. Some states are incredibly expensive when it comes to probate; in others probate is so easy and inexpensive to go through probate that probate avoidance can easily cost you more than the probate process. No single book can address all the state specific issues.

Estate Planning for Blended Families is not a substitute for highly trained qualified professionals. But it will allow the client to be much more engaged in the process, increasing the odds of a successful outcome. I highly recommend this book.

3 of 3 people found the following review helpful.
Needs same features as paper book! Beware!
By Paul
Here's an example of why ebooks get criticized: Unlike the paper book, this version contains helpful forms in the appendix that AREN'T available in a pdf format. This would be a simple fix, but apparently the editor/publisher wants you to buy both. Other ebooks I've bought have provided pdfs of forms at the end. C'mon, NOLO!

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