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<<A lady at her bank wants to talk annuities. I have never heard anyone from the Fools to Andrew Tobias to Jane Bryant Quinn talk favorably about annuities. >>

With good reason! Ask the lady at the bank how much commission she gets from selling the annuity.

Also, try looking at www.scottburns.com and www.ricedelman.com. Also, get ahold of a copy of "How To Retire Rich", and read the [short] section at the back on the Utilty/Dividend Strategy. I think this might be just the thing for your mother.

Ray
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