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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.

"Connie Sarros shares a wealth of delicious recipes to enjoy daily, or for entertaining gluten-free, while reducing calories. A collection for those who love to cook and love to eat." --Diane Eve Paley, President, and Mary Schluckebier, Executive Director, Celiac Sprue Association/USA, Inc. If you have celiac disease, you need to avoid wheat, rye, and barley gluten and even oats (due to cross-contamination). Or perhaps you have chosen to avoid these for general health reasons. Either way, you know the challenges of a gluten-free diet. It's difficult to eat well, avoid these substances, "and maintain a healthy weight. This unique cookbook gives you dozens of wheat-free, gluten-free recipes to keep you healthy and trim. Celiac-disease authority Connie Sarros provides you with the knowledge and the know-how you need to eat safely every day. You'll discover a generous selection of delicious wheat- and gluten-free recipes that are designed to help you eat maintain a healthy, reduced-calorie diet--without sacrificing taste. All ingredients listed in these recipes have been approved by the Celiac Sprue Association, the Gluten Intolerance Group, and the National Center for Diabetes, Digestive, and Kidney Diseases and may be purchased at a regular grocery store. The "Wheat-Free, Gluten-Free, Reduced-Calorie Cookbook includes: Hints for successful gluten-free cooking Explanations and definitions of terms and ingredients Nutritional breakdowns for each recipe And more Not a weight-loss diet cookbook, the "Wheat-Free, Gluten-Free, Reduced-Calorie Cookbook is a life-maintenance book. It's your ticket to better living and better eating.

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.

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.

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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