INTRODUCTION
          
               Asset protection is a hot topic these days, nearly
          a fad.  Which means that you need to be extremely
          careful -- the waters are full of sharks.  There are
          things that you can do to protect yourself, but you
          don't necessarily need a shark with "attorney at law"
          after his name to charge you from $10,000 to $75,000 to
          do it.  But if your assets are large enough, that price
          might be cheap.
          
               Seminars on asset protection are being held across
          the country, usually to try to sell the wealthy on the
          need for immediate (and expensive) protection.  Many of
          the techniques are valid -- many are not -- and they
          can work just as effectively for the non-millionaire
          with assets to protect.