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Coumadin without prescription, Q: I recently attended an "elder planning" workshop. Coumadin, The presenter said my husband and I should sell our bank stock (worth $95,000) and buy an annuity that's invested in the Standard & Poor 500 index, online pharmacy coumadin. Cheapest coumadin, Does this sound like a good idea, or is it something to leave alone, find coumadin. Cost of coumadin, We are in our 80s. The presenter is getting antsy and wants us to meet with him to take the annuity.

A: Of course he's getting antsy, buy coumadin in canada. He's imagining the fat commission he'll be paid for talking you into what may well be an unsuitable investment.

Variable annuities, which combine mutual-fund-type investments with an insurance wrapper, often aren't a good fit for elderly investors, coumadin without prescription. Coumadin cheap, You may be in too low a tax bracket to benefit much from the investment's tax-deferral feature, and heavy surrender charges could take a big bite out of your savings if you needed to access your money in the next several years.

What's more, buy coumadin low price, Order cheap coumadin, selling your stock could set you up for a big fat tax bill, particularly if your shares have grown substantially in value over time.

A final problem with variable annuities: They aren't given what's known in tax circles as a "step up in basis." Your stock would be revalued on your death so that your heirs wouldn't owe any income or capital gains taxes if they sold the shares immediately, coumadin online without prescription. Coumadin rx, Withdrawals from variable annuities, by contrast, coumadin tablet, Coumadin purchase, incur income tax.

Unfortunately, these downsides may not have been explained to you, buy coumadin online without prescription. Coumadin uk, The salespeople who promote variable annuities sometimes neglect to adequately illustrate their disadvantages, which is one of the reasons regulators have gone after insurance companies and agents in recent years for selling unsuitable variable annuities to elderly investors.

Bank of America, coumadin india, Buy coumadin cheap, for example, just announced a settlement with Massachusetts state regulators that would allow customers who were at least 78 when they bought their annuities in 2003 and 2004 to liquidate them without having to pay surrender charges.

Now, buy cheap coumadin internet, Cheap coumadin in uk, it's entirely possible that you might be better off in an index fund or even a certificate of deposit than having so much money wrapped up in a single stock. But you'll want to discuss that issue with someone more objective than an annuity salesperson, buying coumadin online, such as a fee-only financial planner.