Home Summary Guard Your Gold Book's Contents

Versions 1 & 2
are both
Out of Print







There comes a time in every American's life when a change in spending habits occurs.  While building, you probably bought what you wanted, not necessarily what you needed.

When preserving, you must do a "flip-flop" and buy what you need, not necessarily what you want.  With the change in spending habits, there is an item of need which allows you a choice in preserving what you have built--LTC Insurance.

As at least an interim solution to asset loss through extended nursing home stays, an LTC policy which outlasts the thirty-six month transfer test, is the only alternative I know of which offers peace of mind to both the parents, and future generations.

When you pick up a newspaper and read of someone retiring or changing jobs, their first comment is "I want to spend more time with my family."  (Spouse, children, grandchildren, etc.)  Seems to me that the message is clear.  Most Americans are dedicated to the welfare of their families.  Why would asset preservation be any different?

The old adage, "He who hesitates is lost," takes on serious meaning in the world of asset preservation.  Those who may think they are going to "take it with them" or that they will live forever, will lose more than money.

Why is it that so many people do the least to protect that which is worth the most -- their living assets?  Procrastination is the greatest excuse in the world.  But people need to remember that delay often turns into denial, due to either old age or poor health.  Remember, you can't plan a future in the future, you've got to plan it now.

Would you believe that longevity has taken America to a place where four-generation families will soon outnumber two and three generation families?  Imagine the middle aged worker and spouse who have two sets of parents and four sets of grandparents on Social Security and Medicare.  Realistically that doesn't happen, but a lot of upper end combinations already really do exist.  Who will pay that bill? provides web site design,  development and hosting plus graphics.

[Home] [Summary] [Guard Your Gold] [Book's Contents]

Contact the author:
  Copyright 1999-2004 by Ronald J. Iverson, Helena MT

Disclaimer:  The publisher of "Guarding Your Gold" and web developer for "" are NOT connected with or endorsed or approved by AARP, also, AARP has NOT endorsed any product or service that we promote.