And at the end, there’ll be a most-likely bottom-line cost of dying.  For the funeral, a funeral policy is an affordable way of covering this cost.  For the cost of winding up your estate, the experts often recommend that you buy life insurance.  Who do you nominate as your beneficiary?  Please don’t ask me.  I’m dead, remember.  I can’t give advice.

Print the above table, and fill in the all-important last column.  Well done, if you can manage it.  If you find it difficult – well, the point I’m making is that you most likely need a professional to do this.

Luckily I can do a few more blogs.  The next one is about LISTS. 

Jay Pillay’s first two critical decades were spent where his first decade began – in Pietermaritzburg. After studying at ML Sultan Technikon in Durban (anyone remember that place?), he then joined the sugar industry, working in Tongaat, Durban, and Xinavane – a sugar mill village 120km north of Maputo. Oh yes – there was a brief period of unfaithfulness, when he flirted with aluminium in Richard’s Bay. Upon retirement, he and his wife Dorothy – settled in Southport.

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