RedI sent a post that l thought might interest you , but from you no acknowledgement and definitely no thankyou. Just typical of a self professed loner who boasts about having no friends as that simpler. , Nothing could be more anti social or sicker mentally than your own words. Probably why in other boards there are people who find you , let's say superior and offensive. You talk about estate planning , a wise move since you like when you were I'll a few years ago you had to pay a relative a grand a week just to cook you food , and play on their cell phone, .Well when your time comes and runs out you will have to pay another grand to everyone prepared to spend 20 minutes at your funeral service and another 10 grand plus expenses to take your ashes back to your beloved Finland , your own heirs will be to busy dismantling and selling off all you built up over a 40 year plus investing caree4. That's your Legacy and l am sure you are darned proud of it. EH