Thanks TG, well said. The happy meal thing brings up a sore point tho- every time I take the kids to Mcdonalds I feel like I got ripped off. Fed 7 year old son, 8 yr old cousin and 3 year old daughter- nothin for me and da wife~ 22 bucks! What did they have, 2 caesar salads, happy meal, drinks, shake, cheesburger- coulda ate at a Chinese sit down place and fed all of us for almost the same. Best
moneysaving tip I can offer: stay the heck away from Starbucks! Agree term is the way to go- I pay 430 a year for half a million. He may have a problem tho if he’s been paying into one of those whole life thingies- you’re kinda trapped. And, having family on another continent is a killer moneywise- I sympathize.