A re you a young Nigerian man with these listed earthly conditions, I have to ask you a serious question. you have a wife you have children you have something worthy of transfer; Cash, financial assets, real estate, insurance, family heirloom, etc Have you made your will? Oh; come on now I am not suggesting your death is anywhere close, God forbid. But we can both agree the world is no longer as it was, it has become smaller which is a great thing and the number of things that can kill you has gone past "A thousand ways to die". Let's consider a few trending options of dying; a strange virus (yup, it hasn't gone away yet), Stress from emotional and physical tension which is the leading cause of death in recent times, getting poisoned by a frenemy at a bar, get kidnapped with no ransom, get in a relationship with a murderous psycho, choke on chewing gum as you gossip, etc. I should probably not add to the tension as you read this but you get the drift....we are all