To Chris, 2old4bs, Fuskie Fool, IF, TT Roberts and gogreengo: I am shocked that so many of you responded to my plea for help. You have certainly been a great help. It never dawned on me that I could have the hold the money until I made a decision. However, I saw red flags when the young man suggested variable annuities within the IRA. I'm not smart about money matters, but I am wary of a lot of advice I get. My brother-in-law was a great help for many years, but I discovered he didn't know as much as he thought. :) That lesson only cost me $50,00 and I cannot afford many lessons like that. I do have funds with Charles Schwab and should use someone there, I guess. When I called them yesterday, the fellow told me that the Variable Annuity was not in my best interest - just what you guys said.Thanks a million.Helen
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