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Regarding your question about receiving a lump sum versus monthly payments ---
I would assume a lump sum can be rolled into a Rollover IRA. If so, it's pretty
easy to tumble the numbers. Let's say the lump sum is $100,000 & the monthly
amount is $500. That's 6%. I think any FOOL can do better than that; thus take
the lump sum. On the other hand, if the monthly amount is $1500, that's 18%;
pretty tough to beat.

Hi Badger! Thanks for all the details in your post. I have to study them to understand still and will print to show my husband. Re: the paragraph above, I wasn't sure if I was clear...I was referring not to his federal annuity monthly payments here...I was intending to ask whether it would be better to receive a specific grant contract (self-empl. income) all in one big amount, or have it paid out to him monthly. thanks. Hope that's clearer. meowiz
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