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348

long-term care insurance (Cont.): importance of, 240–243 inflation protection in, 236 Medicaid and Medicare in, 233–234 need for, 238–239 renewability clauses in, 236–237 types of, 234–236, 238–239 long-term investing, 52, 141–143 loss calculation of, 150–151 paper vs. actual, 148–150 taxes and, 177–179

managed health care plans, Medicare and, 274 margin trading, 133, 139–141 market capitalization, 57 market linked certificate of deposit (MLD), 127 maturity in bonds, 108, 124 maximum contribution to retirement funds, 45 Medicaid, 245–246, 275–277, 276–277

spend down rule in, 275–276 supplemental security income (SSI) and, 275 long-term care insurance and, 233–234, 233 Medicare, 245–246, 258–275

coverage effective dates in, 272–273, 272 eligibility for, 259 enrollment in, 270–274 health coverage in addition to, 274–275 long-term care insurance and, 233–234 managed health care plans in, 274 Medigap insurance and, 266–270, 267–268, 273–274 Part A benefits in, 259–262, 262 Part B benefits in, 263–265, 264 SELECT policies in, 270 special enrollment periods for, 273–274 uncovered costs in, 265 Medigap insurance, 266–270, 267–268, 273–274 Microsoft, 2 Microsoft online stock market information, 67, 91 mid-cap stocks, 56–57 money market mutual funds, 84–85, 126 money market deposit accounts, 125–126 money-purchase plans, taxes and, 174 Moneyitalic, 91 Moody?s bonds ratings, 109, 110 mortgage backed securities, 83 mortgage life insurance, 213 mortgage refinancing, 46 mortgage REIT, 130 municipal bond mutual funds, 84 municipal bonds, 111–116, 113, 114, 121,

176–177

INDEX

mutual funds, 27, 51, 71–92 A shares in, 74–76, 78 after-tax returns on, 90 aggressive growth, 79 asset allocation type, 81 B shares in, 76–77, 76, 78 balanced, 81–82 before-tax returns on, 90 benefit of, 92 breakpoint in, 73, 75 C shares in, 77–78 closed-end, 72–73 contingent deferred sales charge (CDSC) in, 76 corporate bond, 83 definition of, 72 equity type, 79–81 fees in, 76, 78 flexible portfolio, 82 front- vs. back-end load, 74 Ginnie Mae, 83 global bond, 84 global equity, 80 growth and income, 80 growth type, 79 high-yield (junk) bond, 83 hybrid type, 81–82 income equity, 79–80 income-bond, 83 income-mixed, 82 index type, 86–88 information sources on, 91 international bond, 83–84 international equity, 80 investment performance calculations in, 89–90 load, 74–78 money market type, 84–85, 126 municipal bond type, 84 national municipal bond, 84 net asset value (NAV) in, 73, 74, 77, 88–89 no-load, 74, 78 open-end, 73–74 option-income, 80 precious metal, 80–81 rights of accumulation in, 73, 75 sector, 81 small-cap, 80 state municipal bond, 84 surrender charge in, 76, 76 tax-exempt money market, 85 tax-managed type, 85–86 taxable bond type, 82–84 taxable money market, 85 trends in stock market and, 280

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