A car accident, an illness requiring time-off from work, a death in the family, a fire in your home or not being able to afford getting your child married; these are all issues which can be very difficult for any family. Prudent planning would require that we do our best to protect ourselves from any of these events; cautious driving, living a healthy lifestyle, protecting the home from possible fire hazards, making a greater effort to save. Granted that reducing the risk factor to zero is a rare occurrence that does not mean we should not try to bring it…