With Bush’s signing of the Genetic Information Nodiscrimination Act (GINA), in 12 to 18 months people can get genetically tested without worrying about how it will affect their health insurance (in 12 months) and employment status (in 18 months). From my initial reading, it looks like genetic tests can still influence life insurance ratings however.

I believe these will eventually become standard fare for retirees.  Unfortunately it is going to take a while for the field to settle down and figure out exactly how these should be configured.  I currently like Vanguard’s funds the best with the following caveats.

Their distributions are too high.  The 7% should be 5% and the [...]

Genworth has created a map to see long term care costs in your state.  It is mostly at the state level although many large cities have their own numbers.  Metlife’s Nursing home survey covers more metropolitan areas if you can’t find yours here.