"Well hi there!" she smiled, " having a late lunch?" I had met Rachel three months earlier in the coffee shop. On that occasion we had been at adjacen... tables and struck up a converation about opera, as she was reading Opera Magazine on her Kindle and I couldn't help but tell her I had been to Covent Garden that week to see Il Berbere di Seviglia, with mezzosoprano Joyce di Donato in great form. "I love Rossini" she had said, and the next hour whizzed by. She told me about her baby, her. ‘Odd. That number usually has people jumping and screaming. Anyway, they set it up in an intriguing way. The money in the trust cannot be touched personally by you, Joe, until your 21st birthday. At that point, you can withdraw up to a specified limited amount each year until you turn 25.’ ‘What do you mean by ‘personally’?’ ‘For personal means, you cannot withdraw any money from it. They figured you’ll be in school until you’re at least 21, so the personal accounts should last you until then.. More

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