Mom,It also helps me figure out MOL's finances, since she gets a gift annuity from a gift made by her late husband. My guess was that the amount she said she received was a quarterly, not annual, payment, assuming the amount they gave was what she says (not a good assumption), since it seemed way too low for an annual annuity. But 4x seemd high, if gift annuities were way less than insurance annuities. I'm now pretty confident my guess was correct about quarterly payments, which is reassuring. (To give you an example of what we are dealing with, the gift she just made was in stock (thank, God) and the university immediately sold it (smart folks) and she got upset because she said the stock was about to go up. Not that it means anything, but it has gone down, with the overall market, since the transactions were completed a few days ago.)
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