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Retirees should stay away from variable annuity (access required)

Dear Mr. Berko: My husband and I are 76 and in good health. We are debt-free, and our home, which we nearly sold for $328,000 in 2009, is paid for. But we unconsciously find ourselves turning up the thermostat; buying cheaper, private-label foods; not ordering coffee at restaurants; and buying less expensive wines.  Our home insurance and ...

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