Scenario: I’m a sixty-seven year old widow in good health, but there is a family history of both heart disease and cancer. I live alone in my house which is paid for and is worth about $200,000. I have a checking account I keep about $10,000 in at all times, monthly social security checks of $2,000, a monthly pension checks as a retired teacher of $2,000, a money market account with about $1 million (an inheritance from my deceased sister), a couple of CDs, $50,000 each, some GM stock worth about $100,000 and an IRA with about $400,000 (rolled over from my deceased husband’s job). I also have a couple of mineral leases that I receive small monthly checks from, but I understand that the oil company plans to drill more wells. I also own a Cadillac which I drive to church, several bridge games every week, and to do my personal errands. I like to travel and take two vacations per year. I want everything to go equally to my two wonderful adult children who are married. Each of my children have three children so I have six grandchildren.