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Wednesday, October 27, 2004

Contractual Plans 
Why are First Command's contractual investment plans a bad deal for investors?

Money Management Executive magazine lays the numbers out:

Based on a 10-year contractual plan with payments of $100 a month, an investor would incur a total sales load of $1,080 on total investments of $12,000 over the life of the plan. Compounding this unappealing setup is the fact that sales loads can be collected on an accelerated basis. In that scenario, the distributor can deduct half of every $100 payment until the entire sales load has been paid.

For example, after 22 months and $2,200 in contributions, only $1,120 will have been invested while the broker will have pocketed $1,080. In the event that the participant cancels the plan, the broker gets to keep the entire sales load, with the investor getting shafted with a 50% loss. In traditional mutual funds, sales loads cannot exceed 8.5% with most funds capping them at 5.75%. These loads are deducted from contributions as they are made and cannot be accelerated. Thus, if an investor cancels an investment, the commission paid does not exceed 5.75%.



Fortunately, the bill banning such contracts, and providing more protection to military customers (actually expanding the supervisory authority of insurance commissioners so that military customers get the same protections and safeguards against unethical and abusive practices as everyone else) passed the house by unanimous voice vote, passed the Senate 96-3,and was signed into law by the President on October 23rd.

The senators opposed were McCain and Kyl (Republicans from Arizona) and Feingold (D-WI).

Meanwhile, a recent Army Times editorial on the subject, in which these contracts were presented in a negative light, was very careful not to mention First Command by name (First Command happens to be a major advertiser in the Military Times publications.)

So much for a commitment to transparency, or to the reader.

Thank you, Army Times, for selling out the soldier to protect your advertiser.


Splash, out

Jason

UPDATE: An earlier version of this post erroneously listed Feingold's state as California. I regret the error.


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Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

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Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

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Bowling : Get some exercise by joining a bowling league.

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