Jesse,

I am not exactly sure that my giving you permission to use my posts from the Fool for your purposes is sufficient, but as far as I am concerned, it is not a problem - go ahead and use that post, if you think it will help you, but I'm not sure it will. If I remember that post correctly, it did not use real numbers; it used simulated numbers, because I couldn't figure out which numbers to put in which places in the NPV equation, from the earlier posts in the thread. I am not a lawyer, but if I had to guess, you would probably have a hard time showing the value of that post to your cause. What you really need isn't the information from my post, but the NPV calculation logic I used, applied to the actual numbers provided in the annuity contract. And the last time I checked, the NPV equations are in common enough use that you certainly do not need my permission to use them.

Good luck,
-Chuck