So, this happened….. let me start by saying, grab a cup of coffee or tea because this is a long story. It’s also a great tale of WHY parents need life insurance. Anyone read the cartoon Calvin and Hobbs?? I feel like Calvin’s Mom in this story. Then I could title this post Why Parents Need Life Insurance because, yes, I am saying my grown @#$ husband is Calvin. The MS Monster As most of you know The Husband has MS (multiple sclerosis) lately he’s been having a rough go of it. Legs are wobbly, at times he feels his legs are completely gone. His balance if off, memory is…