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A Workbook That Helps Solve the Financial and Legal Problems You Face at the Death of Your Husband

Dear Friend,

If you recently lost your husband, you may have said to yourself:

I don’t feel in control of the financial and legal aspects of my life.
I don’t have the energy to deal with financial and legal issues right now but I’m afraid I’ll loose track of something important.
I’m not sure if I have enough money to live on.
I feel overwhelmed and out of control.

What You Are Feeling Is Normal

I realize that you feel your life is out of control. You are depressed and angry. You have difficulty making decisions. Your energy level is low. You are on an emotional roller coaster, crying one minute and laughing the next.

What you are experiencing is normal and more important, is temporary. You will regain control of your life. Your depression and anger will abate. Your ability to make decisions will return. Your energy level will return to normal. And your emotions will stabilize.

Unfortunately the financial and legal problems that occur immediately after the death of your spouse will not wait until you are feeling stronger. These problems cannot be ignored or put on a back burner until you feel ready to tackle them.

If you are feeling overwhelmed and out of control, help is available. Help is in the form of a resource manual and workbook, The Widow’ Guide. This workbook guides you through the financial and legal problems you encounter after the death of your spouse.

The Benefits

Here are just a few of the ways that The Widow’s Guide will help you take control of your life after the death of your spouse.

		No more guesswork because you will locate and organize the information you will need to manage your affairs.
		Your finances will be at your fingertips because you will make an inventory or list of your assets and debts.
		With this inventory you will calculate if you have sufficient money to live on and devise a plan if you don’t. The forms you will need are in the workbook.
		Have you applied for your husband’s life insurance benefits? If not, sample letters to insurance companies are included in the workbook.
		Have you applied for Social Security and Veterans benefits? If not, there are tips to streamline the process in the workbook.
		Have you applied for your husband’s pension and retirement benefits? If not, there are instructions in the workbook.
		You will organize and manage your finances even if your husband was the one who took care of these things before his death.
		Do you need to consult an accountant now or if you can wait until it’s time to file your yearly tax return? The workbook will help you decide.
		Do you need to start a “Probate” and, if so, how do you begin? The workbook will tell you.
		Do you need “To Do Lists” to keep focused? Each chapter includes a “To Do List” that lists the actions that you should take to solve the problems discussed in the chapter. Chapters 2 and 5 include blank inventory forms to help you prepare an inventory of your assets and debts and an inventory of your monthly income and expenses.

My Credentials

I am qualified to write a book that will help a widow regain control of her life after the death of a spouse because:

I have been a probate and estate planning and attorney for 25 years.
I have helped hundreds of widows solve the problems they faced after the death of their spouse.
I have written the successful books, The Widow’s Resource and Arranging Your Financial And Legal Affairs, the booklet "Getting Your Affairs in Order", numerous articles on estate planning and hosted the radio show, “Getting Your Affairs In Order”.

The Widow’s Guide

Here is an overview of the workbook:

There are 10 Chapters and an Index.
There is a Reminder Calendar to help you keep track of important deadlines and dates.
The topics covered are: organizing your records; applying for Social Security benefits; applying for life insurance benefits; applying for pension benefits; managing your finances; determining if a probate is necessary; taxes; and how to manage special circumstances.
There are “To Do Lists” at the end of each chapter to keep you focused and efficient.
The same forms that help you keep track of your assets and debts and income and expenses are available on spreadsheets that you can download if you want to keep track of your finances on your computer.
“18 Ways to Help Yourself Heal From Loss” is an article by the nationally acclaimed grief educator, Victor Parachin. A copy of the article is also included.

There are two ways to buy The Widow’s Guide

1. Actual Manual
The cost is $27.95 and includes:

The Widow’s Guide workbook.
The article “18 Ways to Heal Your Self From Loss."
A CD that contains the 2 Excel Spreadsheets.
A CD of meditations from noted healer, George Harris. Listening to George’s soothing meditations will comfort you and help you heal.

Click the button below to buy the $27.95 printed version with the actual workbook, article and 2 CDs. Shipping is by US Priority Mail and costs $4.80

2. Digital Download
The cost is $17.95 and includes:

The Widow’s Guide workbook in an ebook format that you will download to your computer within minutes of your purchase.
The article “18 Ways to Heal Yourself From Loss” that you will also download to your computer within minutes of your purchase.
2 Excel Spreadsheets to keep track of your assets and debts and income and expenses that you will download to your computer within minutes of your purchase.

Instructions to Download Your eBook:

When your credit card payment has been approved, the next screen will say 'Thank You for your payment'. Click the 'Return to Merchant' link at the bottom of the the page to download your your ebook and bonuses.

Click the button below to buy the $17.95 ebook version

The Cost is Warranted
I appreciate that you are cautious about spending money just now as well you should be. But purchasing The Widow’s Guide will be money well spent. Here’s why:

The book will make you efficient and organized. Everything you need to know about organizing information, applying for Social Security, life insurance, and retirement benefits is clearly and concisely laid out for you.
Are you worried that you don’t have enough money to live on (this is the number 1 fear of most widows regardless of age)? You’ll find out by filling out the easy to use Inventory of your income and expenses. You will know immediately if you need to cut back or if you can maintain your current life style.
Do you need to start a probate? You will know the answer after you work through Chapter 6. If you do need to probate, then you contact an attorney. But if not you’ve saved yourself the cost and inconvenience of an unnecessary appointment.
Do you need to see an accountant immediately or can you wait until it’s time to file your next tax return? You will know the answer after you work through Chapter 7.
Do you stay on track if you have a “To Do List” to follow? If so, they are provided for you. Open the workbook, take out the To Do List for the chapter you’re working on and stay focused and on task.
The comfort and hope you’ll experience from George Harris’ meditations is priceless.
Victor Parachin’s article will help and support you as you grieve the death of your husband.

You Can't Lose With Our 100% Money Back Guarantee

I believe you will get at least four times your money’s worth from the purchase of The Widow’s Guide. But if you disagree, return it for a full refund, no questions asked. You can even keep the CD of the meditations because I want you to have them and you won’t want to part with them. You can also keep Victor Parachin’s article.

The Problems Faced by a Widow at the Death of her Husband Will Not Go Away

The sooner you begin, the sooner you will have these problems under control. And you will feel a much-needed sense of accomplishment as you complete (and cross off) the actions listed on the To Do Lists.

Don’t procrastinate, order your copy of The Widow’s Guide and retake control of your life.

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We protect your privacy. We NEVER share or sell your personal information.

Here’s to regaining control of your life,

Julie A. Calligaro

Women’s Source Books
Demery Publishing
20600 Eureka, Suite 900
Taylor, MI 48180
734 283 1509 (9-5 EST Monday through Friday, voicemail all other times)
jcalligaro@msn.com