I'm looking at things, I believe, similarly to you. When my kids were small and still living at home, the whole life policy was protection for them. With the term policy to pay for the house should I die before it's paid off--and the difference in premiums for decreasing term vs. level term was so small it was ridiculous--my wife will be OK if I die before the house is paid off. After the house is paid off, once a funeral is paid for, my wife will be eligible for my SS once she is of age [she's 8 years younger than I am], so her needs shouldn't be excessive.
She won't make out like a bandit...but she shouldn't starve, either.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let�s make one more addition to our series on hydraulics. I�ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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