It's nice to know famous people! And one of them is our daughter in law who happens to be an expert in personal finance. She's written a couple books and has the Ask Kim column in Kiplinger's for about as long as I've known her. She wrote the Field Manual for military families and a lot of other Publications. Every time she has a media event I like to plug it, because she's such a nice person! And by the way, has a wonderful husband and son. Yesterday she was on NPR 's Morning Edition talking about annuities. Her expertise is on subject matter I know very little about and depend on others for a lot of help. Here is the link. You may actually learn something. I always do!