Family Financing for Grand Families

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#996699" TEXT="#080000" background="040b85a3.jpg"> <div> <FONT SIZE="5" COLOR="#FFFFFF" FACE="Arial" ><B>West Virginia Relatives as Parents Program</B></FONT><B>    </B><B> |     </B><A HREF="index.htm" TARGET="_top" TITLE="West Virginia Relatives as Parents Progr"><B>home</B></A></div> <div> <A HREF="id31.htm" TARGET="_top" TITLE="How to Read With a Child">How to Read With a Child</A>   |   <A HREF="id33.htm" TARGET="_top" TITLE="Special Holiday Tips for Relative Parent">Special Holiday Tips for Relative Parents</A>   |   <A HREF="id32.htm" TARGET="_top" TITLE="What Does Loss Mean to Grand Families?">What Does Loss Mean to Grand Families?</A>   |   <B>Family Financing for Grand Families</B></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#996699" TEXT="#080000" background="04107053.jpg"> <bR> </td> <td valign="top" height=390 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>Family Financing for Grand Families</I></div> <div>  </div> <bR> <div> The financial burdens of becoming a relative parent can contribute to increased stress. Knowledge and confidence in basic financial management principles will provide additional choices to your family. </div> <bR> <div> Almost everyone runs into financial trouble at some time. If you are in danger of having the utilities turned off, are behind in the rent, or don't have enough food, you may need help. </div> <bR> <div> Budgets help us spend money on things we need and want. Rather than looking at budgeting in a negative way, look at it positively.</div> <bR> <bR> <div> <B>1. Recognizing your money values</B></div> <bR> <div> Values influence our decisions and they determine what is important to us and to our families.  We establish our values at a very early age, between the ages of four and seven. By the time we      reach adulthood, we have internalized our values and usually do not think about them until we      have a conflict such as not having enough money to meet our needs or wants.</div> <bR> <div> <I>Look at your personal values</I></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">How important was money in your family? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Were there many material things in your home? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Did you receive an allowance as a child or teen? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">As a child, did you have to earn money to support your family? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">If you earned money, was this your extra spending money? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Were money matters discussed in your family? </div> <div>       </div> <div> <B>Ways in which values influence our lives might include</B>:</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">How we raise our children.</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">What type of job we choose.</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">How we treat people.</div> <bR> <div> List two personal values:<U>                                                  </U></div> <bR> <div> <U>                                                                 </U></div> <bR> <div> <U>                                                                 </U></div> <bR> <div> How do these values influence how you spend your money?<U>                         </U></div> <bR> <div> <U>                                                                 </U></div> <bR> <div> <U>                                                                 </U></div> <bR> <bR> <div> <I>2. Emotions Attached to Money</I></div> <bR> <div> <B>Power</B></div> <div> Money can be used as a weapon against others. The person who controls the money supply has power over other family members.  Other people's emotions about money can influence their decisions and their relationship with you. How might your adult child's emotions about money influence you? What about your grandchild's emotions about money?</div> <bR> <div> <B>Fear</B></div> <div> Many people worry about not meeting their financial obligations.  This fear can lead to health problems do to stress and can cause conflicts between husband and wife and among other family members. </div> <bR> <div> <B>Stress Caused by Secrecy</B></div> <div> In many families, money matters are kept secret. Parents do not discuss the family's financial</div> <div> situation with their children. Bearing the burden of money pressures can cause serious stress for</div> <div> the "bread winner." Learning to share the family's financial situation with all family members can help everyone learn to live within the family's income.</div> <bR> <bR> <bR> <div> <B>3. Set Goals</B></div> <bR> <div> The key to successful money management is setting goals. Goals guide us. They help our dreams come true within a set time period. Goals provide a purpose in life and will help us get what we want out of life.  Goals must be set and prioritized. They must be achievable or we will be constantly disappointed. </div> <bR> <bR> <div> Writing down your goals significantly increases the chance that we will accomplish them.  As you write them down, group them in three categories.</div> <bR> <bR> <div> Individuals in families have goals and families have goals. Planning together ensures that both individual and family goals will be accomplished. This can also strengthen family relationships.</div> <div> Children should be involved when they are old enough to understand money. Remember, values are established in early childhood; children can also gain knowledge about goal setting and money management. </div> <bR> <bR> <div> On the following page is a worksheet to help you plan your family's goals.</div> <bR> <bR> <bR> <div> <I>Budgeting Know-How</I></div> <bR> <div> Remember that budgeting is more than just "pinching pennies" or recording how each dollar is      spent. Here are the other steps to consider in creating a workable spending/savings plan.</div> <div> Talk to your family and determine the family's needs </div> <div> Face your money problems </div> <div> Set money aside for unexpected expenses and emergencies </div> <div> Choose a spending/savings plan to fit your family and its income </div> <div> Adjust the plan as changes occur </div> <bR> <div> <I>Review</I></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Where is the money going? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Did you estimate the expenses correctly? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can family members change some of their spending habits? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Did the family save any money this month? </div> <bR> <div> <I>Revise</I></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Where must we increase? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Where must we decrease? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">What needs to be changed? </div> <bR> <div> <I>Consider</I></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Do I have to have it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Do I have to buy it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can I borrow it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can I share it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Are there substitutes? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can I rent it rather than buy it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can I get it free? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can I make it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Can I trade or barter for it? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">If I must buy it, where's the best buy? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Will it last longer if I take care of it? </div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <I>How to get Children Involved in Budget Planning</I></div> <bR> <div> Get your children involved in financial planning. The ability to use money wisely is a basic and critical life skill. Even if there is a shortage of money in the home, look for ways to involve grandchildren in the decision-making process about spending of money.</div> <div>        </div> <div>           </div> <div> <I>4. Balancing Expenses, Income and Other Resources</I></div> <bR> <div> Keeping records is a part of basic money management. We need financial records to pay bills, buy or sell a house or a car, prepare tax returns, report a lost or stolen credit card, answer questions about your bills or have an appliance repaired. </div> <bR> <div> <I>Figuring Your Expenses and Income</I></div> <bR> <div> Filling out this worksheet is the first step in creating a Spending and Savings Plan for your family's future. You can use it to look ahead for one month and see if you will have enough money to cover your expenses. If not, you have time to make some choices and decisions. This will give you a sense of control of your money.</div> <bR> <div> When filling out the following worksheet, keep in mind a couple of definitions:</div> <bR> <bR> <div> On the worksheet, list all of your current expenses and all of your available income. Remember that some of your expenses are fixed (mortgage, rent, car payment) some are variable (food, clothes, gifts) and some are periodic (car insurance). Add up your expenses. Compare that total to the total income figure. Remember to include an amount to put into your savings account, if possible. What's left is money for additional expenses and purchases.</div> <bR> <div> After completing these charts for several months, ask yourself:</div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">How have I been spending money? </div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Could I have made better use of my money? </div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">What variable expenses could I reduce so that I have more money for fixed expenses or savings? </div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">What different choices would I make now? </div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="658" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 20 WIDTH="197"><div> <B>Expenses</B></div> </tD> <tD VALIGN=TOP WIDTH="106"><div> <B>Weekly</B></div> </tD> <tD VALIGN=TOP WIDTH="118"><div> <B>Monthly</B></div> </tD> <tD VALIGN=TOP WIDTH="106"><div> <B>Quarterly</B></div> </tD> <tD VALIGN=TOP WIDTH="101"><div> <B>Yearly</B></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Mortgage/rent</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Utilities:                     Heat</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Electric</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Water</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Garbage</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Property Taxes</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Home Insurance</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Furnishings</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Home Maintenance</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Car payment/Lease</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Auto Insurance</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> License/Registration</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Maintenance/Repairs</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Fuel (gas/diesel)</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Parking Fees</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Groceries</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Health Insurance</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Telephone</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Doctor/Dentist</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Prescription drugs</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Restaurant</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Hospital</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="658" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Clothes-New Purchases</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Laundry/Dry Cleaning</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Haircuts</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Cosmetics</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Theatre/Video Rental</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Cable</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Sports</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Magazine/Newspaper</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Vacations</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> School Books & Supplies</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="197"><div> Dept. Store Credit Payments</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="197"><div> Major Credit Card Payments</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="38" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Personal Savings Account</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Company Pension</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> IRA/Other Retirement Plan</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Life Insurance</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Child Support/Daycare</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Pets</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="658" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Children's Allowances</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Gifts/Membership Dues</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <bR> <bR> <div> <I> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="658" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 24 WIDTH="197"><div> <I>Total Expenses</I></div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 20 WIDTH="197"><div> <B>Income:</B></div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Paycheck/Tips</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="197"><div> Dividends/Interest</div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Child Support/Alimony</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Pension/Social Security</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></I></div> <bR> <bR> <bR> <bR> <bR> <div> <I> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="658" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="LEFT" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 24 WIDTH="197"><div> <I>Total Income</I></div> </tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="118"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="118" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="106"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="106" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="101"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="24" ALIGN="bottom" WIDTH="101" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></I></div> <bR> <bR> <div> Since you have been gathering your financial documents, this is a good time to think about keeping all of your family records together. Knowing where important documents and      specific information are located helps keep your financial life in order.</div> <bR> <div> Complete the Very Important Papers (VIP) checklist. If you have the item stored in a safe place, check yes. If it is a document you may need and you do not know where it is, check "no". Skip      items that do not apply to your family.  Take the time to find those items check on the "no" list. You will be glad you did, especially if an emergency occurs. </div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Very Important Papers Checklist</B></div> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="576" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 20 WIDTH="472"><div> <B>VIPs you need every month:</B></div> </tD> <tD VALIGN=TOP><NOBR><div> <B>Yes                              </B></div> </NOBR></tD> <tD VALIGN=TOP><NOBR><div>  <B>No                                                             </B></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Current family spending plan</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Current checkbook</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Unpaid bills</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Loan payment books</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 20 WIDTH="472"><div> <B>VIPs you need for emergencies:</B></div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> List of credit cars, card numbers, and phone numbers of companies</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Guarantees and warranties</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Appliance manuals</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 20 ><NOBR><div> <B>VIPs you need in case of personal emergency:</B></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Military discharge papers</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Wills</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Adoption papers</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Marriage certificates</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Death certificates</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Divorce decrees</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Citizenship papers</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Household inventory list</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Insurance policies</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Birth certificates</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Family health records</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 20 WIDTH="472"><div> <B>VIPs you need for big financial events:</B></div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Deeds</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Lease or mortgage on farm, home or apartment</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Abstracts</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Bonds and stock certificates</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Employment records</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Social Security cards</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Union identification</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> School and trade certificates (diplomas)</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="472"><div> Confirmation or baptismal certificates</div> </tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="42"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="42" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <div>  </div> <bR> <div> <I>Safekeeping of records</I></div> <bR> <div> Where are you keeping your grandchildren's birth certificates, immunization papers, and other      important papers? A safe deposit box at a local financial institution is the safest place to store      valuable papers. They range in cost from $20 to $100 per year.</div> <bR> <div> Keeping Very Important Papers at home would eliminate the cost, but you must be sure to find a      place free from moisture and other natural threats such as fire. One possibility is a fireproof box.</div> <div> Another is to wrap the papers in moisture-proof paper and store in the freezer.</div> <bR> <div> Depending on the age of your grandchild, you may want to tell him/her where you keep these      Very Important Papers.</div> <bR> <div> Adapted from Michigan State University Extension Programs at <FONT SIZE="3" COLOR="#0000FF" FACE="Arial" ><A HREF="http://www.kalcounty.com/msue/grand/guide.htm" TARGET="_top" TITLE="http://www.kalcounty.com/msue/grand/guid"><U>http://www.kalcounty.com/msue/grand/guide.htm</U></A></FONT></div> <bR> <div> Revised 5/9/02</div> <bR> <bR> <bR> <div> (<A HREF="short_articles_on_child_beha37.htm" TARGET="_top" TITLE="Addicted: Born Too Soon, Too Small">more)</A> </div> </td> </tr></table></body>