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Re: long term care insurance - if you are younger (and I don't know at what age) it is better to start some sort of savings account for long term care, rather than paying the long term care premiums because you have long enough to save the amount you would need for long term care, and if you DON'T need long term care when you get older, then your family can get that money when you die. But if you are older and can afford the premiums which are pretty pricey when you are older, then it is OK because you probably won't pay in as much as you would use if you needed long term care.
Does that make sense?
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 Gayle
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