[简答题] Here are nine fail-proof (奏效的) ways to ensure your family’’s financial well-being. What to Do Today "Your dad’’s in a bad way. You’’d better come home immediately." In the days and months after Catherine Fredman got the phone call from her father’’s neighbor, the self-employed writer and her sister, a college professor, agonized (感到苦恼) over their father’’s medical condition and treatment choices. But they never had to worry about compromising his care because of the cost. "Thank goodness my father had bought long-term-care insurance," Fredman says. "He was in hospitals and rehab facilities (康复中心)for eight months recovering from Lyme disease. The long-term-care insurance paid more than $20,000 that would not have been covered by Medicare and his supplemental health insurance." It’’s never too early to protect your family’’s financial well-being. Yet because most of us are so busy juggling work and family commitments, we tend to neglect the things that don’’t requ

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