DEAR HARRY: I know you generally don't suggest annuities as supplementary retirement investments. However, about 10 years ago, my wife's uncle convinced us otherwise. So far, it appears to be a fair investment. This week we got a notice from our insurance company with two offers. The first offer is to buy our annuity for cash. The second is to give us $10,026 with us agreeing to the elimination of their guaranteed return and adding some new potential investments. We have no idea of which way to turn. Her uncle is advising us to take the $10,000 and the new terms. The branch manager at our bank advised us to stay where we are. Help!