Hi, I would like to say that you are doing great with my retirement money. I had one annuity with my bank and it gave me about 2.4% per year, last year I put an another annuity that you suggested and I got around 8% on the one you suggested. The one that I had with the bank was completed the end of Dec. You suggested another way to make my money grow. I divided it into different types of market and when I received the first month I received the one that showed that it paid 10% the first month, the other one gave me approximately 7%, I was very pleased with both of them. I like the way they give me a monthly account so I can see how it is doing. Thanks so much T J. You are always so helpful!!! I would recommend you to anyone, actually I have!!!