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A late good morning. Went to the bank and  and the advise was a good one, a guarantee rate much higher than any CD for 5 years and still be able to take the minimum disbursement. So I have checked the maturity date for the CD's and have decided to close them out and add them to what I have in the bank and get the annuity. SO I have called the lady and left a message so she will call me later.


When we were in St Thomas I bought a bottle holder for Jennifer so today I bought her a bottle of her favorite rum to go in it, as two separate gifts.


All have a great day.  


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