Raymond and I thought that we had our affairs in order. In a way we did but it is the little stuff that really gets to you.

You see some of the people that you must deal with because they don't really want to go that next step they will pass you on.

For one thing every wife out there should have a couple of cards in their name in good shape. And at least a couple of months in the bank. That 1,000 efund goes no were fast.

These are a few of the things I have found out the hard way. So I am passing it alone to the board. No matter how much we say the law is this way and that way It really isn't when you come down to it.

First thing Because Raymond died the way he did Not in the hospital and all. They had to do an exam on him with a drug test. So instead of 7 to 10 days to get a death certificate. It will now take 6 to 8 weeks. Even though the coroner said within 24 hours he had a massive heart attach. Without that paper I can not apply for any life insurance and even after I do that it will take another 6 weeks. So forget the life insurance for a while. At least I will have to.

We had fixed the wills that if the other person could not do the secure