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This is a plain English manual for ordinary Australian families and small business proprietors. It will help them to decide whether to set up a family trust, to understand the advantages and disadvantages of this useful legal concept and to discuss the issues more intelligently with their professional advisers. All aspects of setting up and running a family trust are dealt with in this book, including investment aspects and the taxation and social security rules affecting trusts and their beneficiaries. It discusses discretionary and unitised trusts, as well as trust deeds and the roles of the settlor and the trustees. The use of trusts for children with an intellectual disability, philanthropic foundations and the winding up of trusts are also covered. The fourth edition of Family Trusts has been greatly expanded. In addition to the updated real-life case studies that help to flesh out this important subject, there is new material on the qualifications needed by trustees, hybrid trusts, the risks of borrowing by trustees, non-resident beneficiaries, resettlements, minutes of trustee meetings, protecting assets against creditors, bankruptcy and divorce.

Praise for Money & Happiness «Laura Rowley makes us all understand the money-happiness connection in our own lives so that we spend our time and our efforts wisely. She gets to the heart of why money can bring feelings of stress, joy, and freedom, and Rowley offers insight that every reader can use to make smarter decisions that will lead to living a rich life in every possible definition of the term.» –Lucy Danziger, Editor in Chief, Self magazine «This is a wry and companionable guide to getting your finances in better sync with your values, and who wouldn't be enriched by that?» –Melinda Henneberger, Contributing Editor, Newsweek «Money and Happiness takes cold, hard, financial information and warms it up through the voice of your best friend. You'll find out how to achieve your life dreams, and avoid money nightmares. The cost of this book may be the best investment you'll ever make.» –Kevin McKinley, CFP, author of Make Your Kid a Millionaire and host of public radio's On Your Money «Let Laura Rowley guide you to a rational and rewarding life by helping you re-order your approach to your financial well-being. This book covers all the dimensions you need to know about how to plan properly for your reality. She teaches that you need not be loaded to be happy. And she shows you how to set, then achieve, your goals. For your sanity, Rowley is a welcome antidote to the wave of materialism washing over our culture.» –Allan Dodds Frank, Bloomberg Television

In Seven Steps to Accelerated Wealth John Fitzgerald shares his seven key principles of accelerated wealth building through property. This practical guide shows readers how to make $1 million by following the author\'s simple and proven system of developing a low-maintenance, low-risk portfolio of investment property as an asset base. Author John Fitzgerald is a property investor and developer. A self-made success story, he made his first million at age 23, having developed a successful formula for real estate investment. He has since bought and sold over 8000 properties.

A Complete Guide to Personal Philanthropy Are you one of the newly wealthy with an interest in «giving back» . . . an heir to money you'd like to share with a favorite cause . . . or simply someone who would like to do good in your community? There are more opportunities than ever for people of every financial station to make a difference through charitable giving. But how do you choose among the many options available, and how do you know which type of gift is best for you? Invest in Charity: A Donor's Guide to Charitable Giving will teach you everything you need to know to devise and follow an effective charitable giving plan. It explains how to find the right charity; understand the tax, estate, and financial considerations; and select a gift-whether it's a one-time cash gift or a lifelong annuity. Covering everything from researching the legitimacy of a nonprofit organization to navigating the tax and estate laws that apply to you, this guide will help you make your bequest with complete confidence that it's right for your charity and for you.

Your Financial Action Plan outlines twelve simple steps that will improve your level of financial literacy as well as help you forge the financial future you desire. Today, financial knowledge means financial power, and in Your Financial Action Plan, you'll be introduced to the important personal financial issues that affect your life. With this book as your guide, you'll learn how to: * Make the most of your mortgage * Maintain a good credit rating * Build your retirement savings * Negotiate with your local bank to get the best deals * Navigate the ins and outs of insurance * Create a will * Handle tax deductions and credits * And much more Filled with practical guidance and extensive expertise, Your Financial Action Plan will help you build the type of financial life you've always wanted.

This book appeals to every parents desire to provide wealth and security for their children, taking a simple, fun, low-risk approach. Ashley Ormond outlines a very simple plan for parents not only to build wealth for their kids but also to help teach them about money – how it works, how to manage it and how to make it grow. In a nutshell the plan is: $1.00 per day + 1 hour per month = financial security for life. If parents start on the plan when the child is born, put a dollar a day into an investment fund, invest in growth assets and reinvest all the earnings, the fund will grow to $1,000,000 when the child is 50 years old. As soon as your kids are old enough, you are encouraged to get them involved in their very own savings plan. The book comes with a money box that your children can cut out and piece together and start filling up! Sydney author, Ashley Ormond, has spent 25 years in the finance industry – 15 years in major banks and 10 years as a private consultant. He is a semi-retired 40-something and as well as embarking on a career as an author he sits on various boards. Ashley draws on his personal experience in developing the plan for his own two kids and his many years in the finance industry giving people financial solutions that actually work.

Managed funds offer investors with relatively small sums of money the opportunity to access a range of investments across a spectrum of asset classes. For savers they can offer a greater return than funds held at call with a bank; for busy or inexperienced investors they can be a safer alternative to direct investing; for retirees with superannuation rollovers or other lump sums they can offer capital growth or an income stream, or both! Margaret Lomas explains the ins and outs of investing in managed funds in her trademark easy-to-understand style. She discusses all aspects of investing in managed funds, including: Types of funds, how they are structured and regulated How returns are made and measuring fund performance When to use financial planners Matching a managed fund to your investor profile Maintaining a balanced portfolio using managed funds.

Mutual funds offer investors a diverse portfolio in a single investment, which is critical in an uncertain economy. Although ideal for buyers who don’t want to tackle the stock market alone, mutual funds can still be intimidating, with a bewildering array of options. And now that foreign content regulations for RRSPs have been lifted, Canadians have even more choices. Mutual Fund Investing For Canadians For Dummies explains it all, from the basics – what is a mutual fund? – to the not-so-basic – are index funds better than managed funds? Is my MER cutting into my ROI? With information on how mutual funds can be a vital and profitable component of everyone’s retirement plans and how they can help readers build their wealth inside their tax-free savings account, this friendly guide offers the principles Canadians need to know in order to be informed and successful mutual fund investors. “This book is easy and even fun to read. … Mutual Fund Investing For Canadians For Dummies is worth the investment if you are looking to build a fund portfolio that suits your needs and will give you healthy, long-term returns.” Jeff Dupuis, money.canoe.ca

* Completely updated for all the new tax laws * Capitalize on every deduction! * Sole proprietor, corporation, or partnership? The Ultimate Guide to Running a Tax-Efficient Home-Based Business The advantages of operating a home-based business are countless, but what many owners don't realize, and are often not prepared to handle, are the host of complex tax issues surrounding a home-based business. The completely updated Fifth Edition of J.K. Lasser's Taxes Made Easy for Your Home-Based Business clarifies the current tax environment with regard to home-based businesses, and shows you how to make the most of the new tax laws. This perennial guide answers home-based business owners' questions, with a special focus on the changing tax laws and deductions for the home office. Expert advice and in-depth insights will help you avoid costly mistakes and take advantage of opportunities you would otherwise miss. Critical coverage will help you: * Navigate the details of the new tax laws and IRS rules * Increase your knowledge of deductible expenses * Keep your records up to IRS standards * Organize and run a home-based business for maximum tax benefits * Make filing easy by utilizing sample tax forms

Filled with in-depth insight and expert advice, The Vital Few vs. The Trivial Many will open your eyes to a new way of looking at the investment world, especially the stock market. You'll discover how to look past media hype to discern what the Vital Few or corporate insiders—those who know their companies best—are doing. By explaining which information is accurate and valuable, as opposed to that which is misleading and financially hazardous, investment professional George Muzea will show you how to successfully and intelligently evaluate the stock market and find valuable gems that have yet to be discovered by the masses.

The one book your bank REALLY does not want you to read. More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions. The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? In Enough Bull, David Trahair explains: How to invest only in 100% safe investments that will never decline How to get out of mutual funds and the stock market – forever The «Tax Turbo-Charged RRSP strategy» – why you should wait until you are over 50 to start your RRSP Exactly what age to elect to receive the CPP pension How to avoid the scams that lead to personal financial disaster Easy to understand and simple to apply, Enough Bull shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead. www.enoughbull.ca

Industry experts share their insight and tell you why: Unified managed accounts represent the future of the managed money industry. «No other platform offers so many options and can be customized to meet the needs of so many different types of investors,» says one of the nation's most prominent money managers. «We are able to address a wide variety of investment needs with a single product.» (Chapter Mutual fund wrap accounts are enjoying a resurgence in popularity. «With mutual fund advisory accounts, advisors can develop a consolidated strategy for their clients utilizing mutual funds,» explains one top executive at a leading investment bank. «Investors know that proper asset allocation produces better results.» (Chapter 3) Exchange-traded funds have exploded in popularity with clients and advisors. «ETFs have changed the landscape by offering financial advisors a new way to diversify their clients' portfolios,» says the national sales manager of one of the world's largest ETF providers. «Advisors can fully diversify across all asset classes.» (Chapter 4) Client demand is fueling the growth of alternative investments. «Larger clients are asking for these types of investments,» says one director of investment consulting solutions at one of America's largest banks. «Diversification to minimize risk is the key incentive for adding alternative investments to a portfolio.» (Chapter 4) They'll also teach you how to: * Determine if managed account solutions are right for you, your practice, and your clients * Transform your financial advisory practice into a wealth management business * Differentiate yourself from other advisors * Develop a recurring revenue stream that will enable you to grow your business * Attract new clients and capture additional assets from existing clients * Conduct successful client meetings and host seminars that get results * Position yourself as a provider of managed account solutions and partner effectively with other advisors, allied professionals, and the media