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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>What are Legal Investment Scams?</title>
		<link>http://www.investorwatchdog.com/what-are-legal-investment-scams</link>
		<comments>http://www.investorwatchdog.com/what-are-legal-investment-scams#comments</comments>
		<pubDate>Wed, 14 Dec 2011 19:59:27 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[Bad Financial Advice]]></category>
		<category><![CDATA[Bad Products & Services]]></category>
		<category><![CDATA[Deceptive Sales Practices]]></category>
		<category><![CDATA[Ponzi Schemes]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Investment Commissions]]></category>
		<category><![CDATA[Investment Experts]]></category>
		<category><![CDATA[investment fraud]]></category>
		<category><![CDATA[investment scam]]></category>
		<category><![CDATA[Investor Watchdog]]></category>
		<category><![CDATA[Performance Reports]]></category>
		<category><![CDATA[Risk Tolerance]]></category>
		<category><![CDATA[Undisclosed Risk]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/what-are-legal-investment-scams</guid>
		<description><![CDATA[Everyone has read about illegal Ponzi schemes and Wall Street&#8217;s fraudulent investment scams that have resulted in major fines to companies.
What you don&#8217;t read about are legal investment scams that impact millions of investors. Following are examples of frequent abuses.
Definition: Legal scams benefit the advisor or the advisor&#8217;s company more than they benefit you.
Advisors sell [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Do Commission Advisors Work for Free?</title>
		<link>http://www.investorwatchdog.com/do-commission-advisors-work-for-free</link>
		<comments>http://www.investorwatchdog.com/do-commission-advisors-work-for-free#comments</comments>
		<pubDate>Thu, 03 Nov 2011 20:29:08 +0000</pubDate>
		<dc:creator>Jack Waymire</dc:creator>
				<category><![CDATA[Deceptive Sales Practices]]></category>
		<category><![CDATA[Who Can I Trust?]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[False Sales Claims]]></category>
		<category><![CDATA[Fee for Service]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[Penalty for Withdrawal]]></category>
		<category><![CDATA[Sales Commissions]]></category>
		<category><![CDATA[Sales Loads]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/do-commission-advisors-work-for-free</guid>
		<description><![CDATA[An investor asked this question on the Watchdog website today. He was told a financial advisor&#8217;s services were free because the advisor was paid by third parties. This is a false sales claim that is designed to make this investor believe he will get something for nothing. 
First, the advisor is not an advisor if [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reverse Mortgages and Annuities Don&#8217;t Usually Mix Well</title>
		<link>http://www.investorwatchdog.com/reverse-mortgages-and-annuities-dont-usually-mix-well</link>
		<comments>http://www.investorwatchdog.com/reverse-mortgages-and-annuities-dont-usually-mix-well#comments</comments>
		<pubDate>Fri, 06 Nov 2009 02:44:35 +0000</pubDate>
		<dc:creator>Evor Vattuone</dc:creator>
				<category><![CDATA[Bad Products & Services]]></category>
		<category><![CDATA[Illegal Schemes & Scams]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[loan officers]]></category>
		<category><![CDATA[Reverse Mortgages]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=2825</guid>
		<description><![CDATA[Using reverse mortgages to fund annuity premium payments has become an increasingly used scam by unscrupulous loan officers and annuity salespeople. Usually a reverse mortgage is for seniors who need the money for living expenses, not deferred annuity payments. 
But, with the attraction of hefty commissions on annuity sales, there are a growing number of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		</item>
		<item>
		<title>Are Annuities the right solution?</title>
		<link>http://www.investorwatchdog.com/are-annuities-the-right-solution</link>
		<comments>http://www.investorwatchdog.com/are-annuities-the-right-solution#comments</comments>
		<pubDate>Thu, 14 May 2009 21:50:44 +0000</pubDate>
		<dc:creator>Daniel Chen</dc:creator>
				<category><![CDATA[Bad Products & Services]]></category>
		<category><![CDATA[Financial Advisors]]></category>
		<category><![CDATA[Investment Performance]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[financial advisors]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[variable annuities]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=441</guid>
		<description><![CDATA[This is one issue that is being raised more and more as investor&#8217;s lack of confidence in the markets become more apparent. Or is it because advisors are losing confidence in their traditional investment solutions? Most advisors have only experienced a bull market, as a result, there is this belief that markets will only go [...]]]></description>
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