Dear Mr. Premack: I was invited to a luncheon to hear about investment choices for Seniors, and the lecturer (perhaps I should call him “salesman”) spent a great deal of time trying to convince us to purchase annuities and to consider Living Trusts. What should we know that he didn’t tell us? Thanks – NS Annuities are an insurance product that can be used for long-term investment purposes or to create a monthly cash flow for the purchaser (called an “annuitant”). A “deferred

Dear Mr. Premack: My father is 86 and has become a terrible, frightening driver. I won’t get in a car with him and have told my mother that she’s taking her life in her own hands if she lets him drive. But she has always deferred to him and just doesn’t have it in her heart to make him stop driving. When I tell him that he is going to get into an accident, he gets angry and tells me that driving is his legal right. What steps can I take to get him to stop driving? Can I be su