Here's a FREE program from State Farm Insurance that I've been using for a while.... very detailed, complete, and easy to use although its not the most modern looking GUI.

Its called "Family Matters" and the current URL for download is:

http://www.statefarm.com/insurance/service_center/ins_servicecenter_fammatters.asp

Try it.... it may just get you organized and solve your problem.  :up:
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