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-- The basic motivators will drive people to want to learn more about this topic -- fear, money, and insecurity. -- Consumers fear losing their life savings to LTC costs. Yet, they hesitate to buy insurance with an annual premium of $1,800 without knowing what it covers. -- In October of 2002 (one month after this book's release), the federal government will be rolling out a payroll deduction plan whereby all government employees and retirees (approximately 18 million people) will have the same opportunity to save for their long-term care needs as they currently have for their 401(k). Until recently, long-term care planning was one of the most often overlooked aspects of retirement planning. But with prominent figures such as Ronald Reagan, Christopher Reeves, Michael J. Fox, Janet Reno, and Muhammed Ali raising the country's awareness of long-term care, individuals are starting to buy long-term care insurance by the millions. But for every person who buys, two or three do not -- often because it is the most confusing type of insurance they have ever seen. Consumers are paralyzed into inaction by insurance offerings that aren't standard, change frequently, and have complex tax implications. They are looking for help. The Complete Idiot's Guide "RM" to Long-term Care Planning will guide readers through the process of identifying how they plan to live out this period of their life and will thoroughly discuss the pros and cons of both privately funded and publicly funded options. It will also provide the tools to explore finances, as well as the financial aspects of various long-term care options, so that readers can make the most informed decision regarding the type of insurancewhich best addresses their specific needs.

Strategies You Can Implement Today to Jump-start Your Investments, Lower Your Taxes, Slash Your Insurance Bills, and More Have recent market debacles brought your high-flying financial accounts crashing back to earth? Are you unsure of what steps you must take to get them moving again? Rescue Your Financial Life provides the tips, tactics, and answers you need. Utilizing an easy-to-follow program, Kiplinger's Personal Finance columnist Kimberly Lankford shows you how to review every aspect of your financial picture and reformulate your short- and long-term goals, then explains what you must do to reach those goals as quickly and painlessly as possible. Packed with simple, real-world rules for making today's markets work for you, Rescue Your Financial Life will give you the knowledge you need to: Squeeze as much money as possible from every account you have, from checking and savings to mutual funds, 401(k)s, credit cards, and more Gain every profitable advantage from today's state-of-the-art financial tools and technologies Implement defensive safeguards to prevent being blindsided by future financial surprises You are closer than you think to achieving all of your financial goals. Let Rescue Your Financial Life show you how you can start today to energize your retirement plans, eliminate debt without mortgaging your future, and get back on track to achieving your financial goals. Kimberly Lankford is a contributing editor and columnist for Kiplinger's Personal Finance and Kiplinger.com, where she writes the popular "Ask Kim" column. Lankford has been featured on NBC's Today, ABC World News, and CNN, as well as The Boston Globe, Reader's Digest, and other print and broadcastmedia outlets.

Buy term and invest the difference - Buy term and invest the difference is a concept in insurance and personal finance that grants the insured more flexibility in investing their money than permanent life insurance. Because Term life insurance is usually inexpensive in the short term compared to all forms of permanent life, the insured can purchase the necessary coverage and invest the savings as they choose.

Term life insurance - Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life.

Long term care insurance - Long-term care insurance, an insurance product sold through a licensed insurance agent (one who represents the insurance company) or an insurance broker (one who represents the policyowner) in the United States, helps provide for the cost of long-term care beyond a pre-determined period.

Permanent life insurance - Permanent life insurance is a form of life insurance such as whole life or endowment, where the policy is for the life of the insured, the payout is assured at the end of the policy (assuming the policy is kept current) and the policy accrues cash value.

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