Jeff A. Schnepper is the author of How to Pay Zero Taxes, a bestseller now in its seventeenth annual edition, as well as several other books on finance and taxation. He is the financial, tax, and legal advisor to the Transamerica sales force and runs a full-time accounting and legal practice in Cherry Hill, New Jersey. Mr. Schnepper also writes a column for Microsoft�s online personal finance website, MoneyCentral, and is a tax strategist and advisor for TheTaxPeople.net, and the ORYAN Program.