Michael: Can I vent a little? On subject but personal. There’s an insurance company and a bank who are pitching us to, in the first instance, to establish an annuity and, the second, a trust. In both instances the thrust is we live in gentile poverty while maintaining a direction where our children can have the means to do we can’t do because of the structure of the scheme.

I can't help but wonder why you are talking to them. Did they capture you and are holding you hostage? Does yout telepnone not have a "hang up" feature?

We have a family trust, which we control. It's mainly to avoid California probate, which can take a sizeable chunk of an estate. We also have a small annuity, which we control, from which we derive a small monthly income.

Count Uptoten