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	<title>Investor Watchdog - Finance Education &#187; Investment Performance</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>Paying Your Financial Advisor:  Fee-Only, Fee-Based or Commissions?</title>
		<link>http://www.investorwatchdog.com/how-should-you-pay-your-financial-advisor</link>
		<comments>http://www.investorwatchdog.com/how-should-you-pay-your-financial-advisor#comments</comments>
		<pubDate>Tue, 30 Jun 2009 22:00:19 +0000</pubDate>
		<dc:creator>Ray Shreder</dc:creator>
				<category><![CDATA[Investment Performance]]></category>
		<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[Compensation]]></category>
		<category><![CDATA[Conflicts of Interest]]></category>
		<category><![CDATA[deceptive sales tactics]]></category>
		<category><![CDATA[ethics]]></category>
		<category><![CDATA[Fee-Based]]></category>
		<category><![CDATA[Fee-Only]]></category>
		<category><![CDATA[Fiduciary]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planners]]></category>
		<category><![CDATA[investment advisor]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/how-should-you-pay-your-financial-advisor/</guid>
		<description><![CDATA[There has been a long standing debate whether investors should pay for financial services with fees or commissions. The right answer may not be one or the other, but which one is better for each individual client.  After all, it]]></description>
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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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		<item>
		<title>When Risk Comes Knocking</title>
		<link>http://www.investorwatchdog.com/when-risk-comes-knocking</link>
		<comments>http://www.investorwatchdog.com/when-risk-comes-knocking#comments</comments>
		<pubDate>Wed, 17 Jun 2009 04:18:06 +0000</pubDate>
		<dc:creator>Scott Floersheim</dc:creator>
				<category><![CDATA[Investment Performance]]></category>
		<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[disclosures]]></category>
		<category><![CDATA[investment risk]]></category>
		<category><![CDATA[risk vs. return]]></category>
		<category><![CDATA[trusted financial advisor]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=831</guid>
		<description><![CDATA[Here is a great tool the next time you are presented with an investment opportunity in which seemingly the upside far outweighs the downside &#8211; Stop! Take a step back, put the pen down, call your most trusted advisor, go for a walk, sleep on it, but most importantly don&#8217;t do anything, at least not [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Estate as Beneficairy Probably Your Worst Choice Available</title>
		<link>http://www.investorwatchdog.com/estate-as-beneficairy-probably-your-worst-choice-available</link>
		<comments>http://www.investorwatchdog.com/estate-as-beneficairy-probably-your-worst-choice-available#comments</comments>
		<pubDate>Tue, 09 Jun 2009 18:35:02 +0000</pubDate>
		<dc:creator>Amy Herrick</dc:creator>
				<category><![CDATA[Conflicts of Interest]]></category>
		<category><![CDATA[Financial Advisors]]></category>
		<category><![CDATA[Financial Planners]]></category>
		<category><![CDATA[Investment Performance]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[annunity]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[brokerage accounts]]></category>
		<category><![CDATA[federal income taxes]]></category>
		<category><![CDATA[ira]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=727</guid>
		<description><![CDATA[Carefully examine the motives, expected results and the reasons why anyone is suggesting or endorsing it.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Black Box Investment Scams</title>
		<link>http://www.investorwatchdog.com/black-box-investment-scams</link>
		<comments>http://www.investorwatchdog.com/black-box-investment-scams#comments</comments>
		<pubDate>Tue, 09 Jun 2009 02:00:49 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[Bad Products & Services]]></category>
		<category><![CDATA[Financial Advisors]]></category>
		<category><![CDATA[Investment Performance]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[investment scams]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=695</guid>
		<description><![CDATA[Arthur is a frequent visitor to the Watchdog website. During a recent visit he described an investment scam that was presented to him by a Chicago financial advisor.
The advisor said he had developed a complex investment algorithm that could predict the future performance of the stock market. He also said&#160;investors would need a PhD in [...]]]></description>
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