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The strategy might be viable only for single people or those who have enough resources to cover both long-term care and a spouse s needs for a number of years Also, relying on Medicaid as a backup might not be an attractive idea We ll see why later in this chapter A problem also is created if the long-term care is not a permanent or final need Suppose the individual spends income and assets for longterm care for a year or two, then no longer needs long-term care Will there be enough assets left to maintain the previous lifestyle Make long-term care a family affair The reason most people give for purchasing a long-term care policy is that they want to be sure they have some assets to leave their children They don t want long-term care expenses to absorb their estates and leave little or nothing for their heirs.

When you re using Microsoft Internet Explorer as your Web browser, you can download a Web page, a picture, or in some cases even videos and sound files, using any of the following techniques: To save the entire current Web page, choose File Save As from Internet Explorer s menu bar. To download just a picture from the current Web page, right-click the picture and choose Save Picture As. To download a page, video, or music file, right-click the link that would otherwise take you to that item and choose Save Target As. Note that the last method isn t always reliable, because the link might not point directly to the item that the link refers to. Rather, the link might point to a page that only displays the item. But, there s no harm in trying. The Save As dialog box will open, so you can tell Windows where to store the file and what to name it, and perhaps choose a different format. In some cases the Save As dialog box will be titled File Download, Save Picture, or something else. But it s still the Save As dialog box only the title in the title bar is different.

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If you have any questions about these changes, you can contact me by mail at my new address or by telephone at work phone number during business hours. I also am enclosing a copy of my marriage license. This will verify my name change and ensure accurate spelling on my updated credit report. Thank you for your prompt attention to my request. Your signature Your typed name Your address City, state, and zip code Enclosure: Marriage license (copy)

If long-term care insurance is meant to protect assets for the children, perhaps the children should contribute to the insurance premiums The cost of insurance might be much more affordable if each family member contributes a share Combine insurance and self-insurance Long-term care insurance doesn t have to cover all the potential costs of care For example, many people have catastrophic medical care insurance They pay the routine medical expenses themselves and count on the insurance to cover major surgeries or other expenses Long-term care insurance can be designed the same way, as I ll demonstrate in the following section Insure only the wife Women far outnumber men among long-term nursing home residents When paying for the longest-term stays is the concern and money for premiums is limited, statistically, it makes sense to buy insurance covering only the wife.

A less risky option is to insure both spouses but to purchase more extensive coverage for the wife than for the husband Plan to use a reverse mortgage When a home is owned debt free, the owners can borrow against the equity, receiving a lump sum, monthly payment, or line of credit No payments are due during the owners lifetimes as long as they own the home That means when one spouse en-.

Replacement of the hydrogen at the 17 position of the prototypical androgen testosterone (31) by a propyl group interestingly affords a compound described as a topical antiandrogen. Reaction of the tetrahydropyranyl ether of dehydroepi androsterone (_32) with propyl magnesium bromide gives after removal of the protecting group the corresponding 17a-propyl derivative J3^ Oppenauer oxidation of the 3-hydroxy-A^ function leads to the corresponding conjugated ketone. There is thus obtained topterone (34)^.

The 10.accdb example database includes a form named frmButtonWizardSamples_Macros. This form, shown in Figure 10.5 in Design mode, contains a dozen command buttons created with the Command Button Wizard. Review the procedures for the buttons on this form to see how powerful Access macros can be. The buttons on this form don t actually do anything because there is no data on the form, and the macros have nothing to actually work with, but they show the variety of actions supported by the command button wizard. Figure 10.6 shows the code for the Go To First Record command button. The macro produced by the Command Button Wizard is very simple but effective.

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