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	<title>Investor Watchdog - Finance Education &#187; Annuities</title>
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	<link>http://www.investorwatchdog.com</link>
	<description>Timely financial educational resource information is your best defense against investment schemes &#38; scams</description>
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		<title>Investor Deception and Trickery</title>
		<link>http://www.investorwatchdog.com/investor-deception-and-trickery</link>
		<comments>http://www.investorwatchdog.com/investor-deception-and-trickery#comments</comments>
		<pubDate>Wed, 22 Jul 2009 16:41:37 +0000</pubDate>
		<dc:creator>Matthew Arndt, CFA, CPA, CFP</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Wall Street Ethics]]></category>
		<category><![CDATA[deceptive sales tactics]]></category>
		<category><![CDATA[variable annuities]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=1254</guid>
		<description><![CDATA[When I first entered the investment advisory business I promised myself I would not reduce myself to being a commission sales rep and sell trash to investors even if I were dying of starvation.
The proliferation of new ways to package and repackaged garbage in the form of fixed annuities, variable annuities, equity-indexed annuities, and structured [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>No Fee Investments &#8211; Real or Scam?</title>
		<link>http://www.investorwatchdog.com/no-fee-investments-real-or-scam</link>
		<comments>http://www.investorwatchdog.com/no-fee-investments-real-or-scam#comments</comments>
		<pubDate>Mon, 29 Jun 2009 17:37:52 +0000</pubDate>
		<dc:creator>Darren Munn, CFA</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Bad Products & Services]]></category>
		<category><![CDATA[Investment Performance]]></category>
		<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[Equity Indexed Annuity]]></category>
		<category><![CDATA[Fixed Annuities]]></category>
		<category><![CDATA[investment return]]></category>
		<category><![CDATA[low-fee investments]]></category>
		<category><![CDATA[no fee investments]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=1028</guid>
		<description><![CDATA[It doesn&#8217;t take a genius to understand that investments with lower fees will produce higher returns for the investor, all else being equal.&#160; So it is natural for us all to be attracted to low-fee investments.&#160; A simple formula to keep in mind is:&#160; Gross Return &#8211; Expenses &#8211; Taxes = Net Return.
&#160;But what about [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Great Annuity Rip-Off</title>
		<link>http://www.investorwatchdog.com/the-great-annuity-rip-off</link>
		<comments>http://www.investorwatchdog.com/the-great-annuity-rip-off#comments</comments>
		<pubDate>Sat, 20 Jun 2009 00:22:36 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[Annuity]]></category>
		<category><![CDATA[IRA accounts]]></category>
		<category><![CDATA[IRA assets]]></category>
		<category><![CDATA[sales representative]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=902</guid>
		<description><![CDATA[Have you ever wondered why investment sales representatives recommend annuity products for assets that are held in IRA accounts? After all, the number one financial&#160;feature of an annuity is&#160;tax-deferred&#160;earnings. But, wait a minute; the earnings of&#160;IRA&#160;investments are already tax-deferred. So why did the rep recommend&#160;a&#160;tax-deferred&#160;product inside a tax deferred account?
Great question. A better one is&#160;who [...]]]></description>
		<wfw:commentRss>http://www.investorwatchdog.com/the-great-annuity-rip-off/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Ripped Off: Who is Paying Your Financial Advisor?</title>
		<link>http://www.investorwatchdog.com/ripped-off-who-is-paying-your-financial-advisor</link>
		<comments>http://www.investorwatchdog.com/ripped-off-who-is-paying-your-financial-advisor#comments</comments>
		<pubDate>Wed, 17 Jun 2009 17:10:04 +0000</pubDate>
		<dc:creator>Matthew Arndt, CFA, CPA, CFP</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Conflicts of Interest]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[financial advisors]]></category>
		<category><![CDATA[who's paying]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=845</guid>
		<description><![CDATA[If your advisor is accepting commissions, guess who is paying him? Not you. &#160;He is being paid by the company that is providing the product he is selling. This is a serious conflict of interest in the very least; it creates a situation where your best interest is not the same as your adviser&#8217;s best [...]]]></description>
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		<slash:comments>2</slash:comments>
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