Questions to help you gauge how much your family would need in the event of your becoming Critically, Chronically, or Terminally ill, or Dying.
D. (Debts): This is referring to any debts that you might have outside the mortgage (car loan, credit cards, student loans, etc.) If we were going to write you a check to pay off all debts (excluding your mortgage) how much would that check be for?
I. (Income Replacement): After paying off your debt, if we could bring your family a check every month to cover normal living expenses—how much would that monthly check need to be? And, for how many years?
______________Monthly Amount x12 x _____________Years=
M. (Mortgage Protection): What is your current balance that you owe the bank for your mortgage?
E. (Education): What do you feel would be an adequate amount to set aside for you children’s education ($50,000, $100,000)? What is the approximate amount that you have established in college savings?
E. (Expenses—Final): On average, we allocate around $10,000-$15,000 to cover final expenses. Does that see reasonable?
Project Walk is an activity-based system designed to treat a variety of neurological conditions. These conditions include Brain Injuries, Cerebral Palsy, Multiple Sclerosis, and ALS (Lou Gehrig’s disease). Even children with Spina Bifida have hope through Project Walk’s pediatric program.
John Montagu, the 4th Earl of Sandwich is credited with inventing the sandwich. In 1762, Montagu, a consummate gambler, requested something he could eat without getting up from the card table. The cook placed a slice of meat between two pieces of bread and the sandwich as we know it was born. However, neither John nor the cook were the first to make and eat one.
