Ok lets take a poll, how many of you currently have a Will in place? A living will???  What about life insurance?  I know this is a morbid topic but ignoring it doesn't make the need for it go away.  If you have anything of worth (a car, home, china, jewelry, furniture, etc.) you should have a will....definitely if you have a child you should have a Will.  This piece of paper makes things a lot easier for your loved ones in the event of your passing...and ensures things are handled the way you want.  As a military brat, it was common practice in our house to discuss the "what if's".  We never thought of death as a topic not to discuss because we talked about it all the time...yes so much so that my mom has practically planned her own funeral...I just have to make it happen.  Although I'm young, I made sure that things are handled in the case of my passing...because I don't want to be a burden on my family...because I'd like to think they'd be so upset they couldn't think straight...(see how our humor is a little off??)

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Ok so on a serious note...how many of you know someone who was in a serious car accident?  What if that happened to you?  Would your family know your wishes?  Do they know whether you want your organs donated (and don't say its on the back of your license)...Do you want to leave it to someone else to decide whether you live or die...whether you are fed through a tube for the rest of your life or not?    What about your funeral expenses?  Do you want to burden your family with having to come up with $6,000 - $8,000 extra dollars to bury you?

As hard as it is to think about, it is vitally important that you handle these things while you can and you have an honest and open conversation with your family about your wishes.  Think of it as your last act of kindness at your families biggest time of need.