hi dave thats 2 of the best reasons in the world to get rid of it. i would, too. my daughter has no plans in the immediate future to get marrried. i also am "unemployed" but i took early retirement. its a paltry amount of $$, compared to what it was, but its forever, or till i die, which ever comes first! good luck...keep one hand on your wallet! don-kd9mf