The June Advisors’ Forum column, "Future Considerations," hit too close to home. When I first read the question, I didn’t want to continue—because I suspected the responses would ruin my weekend. Essentially, I anticipated finding the often-repeated advice: "If you have a million dollars in assets, you don’t need long-term care insurance (LTCI)."

However, the three thoughtful and insightful answers from your experts blew me away. If you reviewed more than the three published answers, I commend you on your selections. I do wish there could have been space to mention the fact that corporations can selectively purchase LTCI as an executive benefit (spouse included) and then deduct the total premium, which is not taxable income for the executives. These benefits claims are free from income tax, and all the premiums paid, minus any claims, are returned to the executive’s beneficiary upon death (return of premium rider). In addition, family trusts and charitable trusts can hold or pay for LTCI policies.
S. Larry Feldman, CLU, Latham, N.Y.

Dear Editor:
As a regular reader of Worth, and particularly of the "10 Questions for Your Private Banker" section, I was surprised and disappointed to see the last entry in your June issue. It crossed the line between qualified financial content and random political advocacy. Equally important, it demonstrated that your editorial perspective may not be fully aligned with your readership base.

The entry, regarding Democratic presidential candidate senator Barack Obama, was a veiled editorial implying that readers should use their contributions against his candidacy. Not only was it out of place in this column, but it was also slanted and one-dimensional. It revealed that you may be out of touch with where your readers stand this political season. An article in The New York Times on Monday, May 28, noted that contributions from the wealth-concentrated community of Greenwich, Conn., were running 54 percent Democratic to 46 percent Republican through March of this year—a sea change from the past.

As the political season continues, Worth should either refrain from taking on political perspectives or place them in clearly delineated editorial spaces by identified authors. Instead, the magazine’s editorial team should focus on delivering consistent, high-quality financial content each month to make its more-expensive-than-average cover price a worthwhile value to readers.
John Theriault, Mattapoisett, Mass.

Editor’s note: The text of the question follows:
Democratic presidential candidate Barack Obama says he favors increasing taxes on the richest 10 percent of Americans to fund entitlements such as healthcare and education. He opined that affluent citizens do not resent a progressive tax structure if they know their levies will pay for necessary programs. What are the regulations regarding presidential campaign contributions, and how can I best deploy them?

Dear Editor:
I loved April’s article "Wooing Women" by Catherine Curan. I was interested in connecting with the Women’s Institute for Financial Education, a nonprofit networking organization mentioned on page 87 under "Continuing Education." Any information you might have that would enable me to contact the organization would be appreciated.
Sandra Wiechel, via email

Editor’s note: Contact the institute at wife.org or 760.736.1660.