Metlife Ira Annuities

S&P 2012 Variable Annuity & Life Insurance Summit
MetLife 28,438,597 Prudential Annuities 20,236,490 Jackson National Life 17,494,386 TIAA-CREF 13,441,787 Lincoln Financial Group 9,356,288 Industry 157,900,000 Roth IRA Traditional/rollover IRA SEP/SIMPLE IRA None of the above Only 8% of consumers are contributing to ... Fetch Full Source

Compensation As A Percentage Of Deposits - IMG, MGA ...
3 Secured Rate Annuities and Focused Growth Annuities allow additional deposits in the first 90 days. 4 Issue Age shall apply to the older of the Policyowner or Annuitant, if different. Annuitization Settlement Option / Internal IRA Rollover Endorsements / Spousal Continuation ... Return Document

How To Surrender Or Exchange Your Variable Annuity
How you go about doing a surrender or exchange will depend on whether your variable annuity is inside of an IRA account or not. More About Variable Annuities. Alternatives To A Variable Annuity; Deferred Annuities - All About Deferred Annuities; Beware ... Read Article

5329 Additional Taxes Attributable To IRAs,
Other Qualified Retirement Plans, Annuities, Modified Endowment Contracts, and MSAs Form 5329 Department of the Treasury Internal Revenue Service Attachment Sequence No.29 For Roth IRA distributions, see page 2 of the instructions 1 ... Return Document

4 Immediate Annuities Done - YouTube
4:50 Learn All About Annuities - Personal Finance Advice by geobeats 892 views; 27:45 Self Directed IRA - Cash Flow Rental Investing by sdirachannel 141 views; 1:35:54 MetLife Investigatory Hearing ... View Video

ARRON OVER Best Annuities - Annuity Think Tank - About ...
Executive vice president of retirement products at MetLife. And for investors who have maxed out contributions to a 401(k), IRA or other tax-favored savings plans, a variable deferred annuity could annuities actually give retirees higher regular payments than they would get if they ... Visit Document

Claim For Death Benefits
MetLife OFEGLI Form in Adobe Acrobat PDF (02/11) Claim for Death Benefits. Social Security monthly payments are not Federal civilian retirement annuities. 9. At the time of death, was the deceased receiving Federal Worker’s Compensation benefits ? ... Return Document

Local Contacts For 457/Deferred Compensation
Contacts for Optional Retirement Program & 403(b) Annuities VALIC 800.892.5558 x 89872 – www.valic.com Local: Tom St. Clair – 479-3177 723-9713 (cell) ira.rowe@axa-advisors.com Metlife www.metlife.com – 800.763.2838 ext. 147 Local: Wilk McKean – 494-2820 wmckean@MetLife.com ... Doc Viewer

Ameriprise Financial - Wikipedia, The Free Encyclopedia
This is the brand for the company's annuities products and for the protection products issued by the RiverSource Life companies, MetLife; Morgan Stanley; New York Community; Northern Trust; People's United; PNC; Popular; Principal; Regions; Santander* State Street; SunTrust; TD Bank* USAA; ... Read Article

FEATURES OF YOUR PLAN
Plan or IRA's costs, features or investment options are not satisfactory to you. ACCOUNT ACCESS NY 10036.Annuities are issued by MetLife Insurance Company of Connecticut (MICC), Bloomfield, CT 06002 or Metropolitan Life Insurance Company (MLIC), New York, NY 10166. ... Read Here

Sales Increase As Annuity Industry Consolidation Continues
Assets in variable annuities were almost unchanged from 2010, B-Share contract available only as an IRA, as an update to the previous version of the contract with a cost of 190 bps. MetLIfe Midland National Ohio National Pacific Life Riversource Sun Life SunAmerica ... Get Content Here

• Joint Annuitant accepted for non-qualified annuities that provide for GMWB Rider. • Death benefit is paid if either owner dies. • Only a spouse named as sole primary beneficiary of an IRA or nonqualified annuity may continue ... Retrieve Content

THE PENN MUTUAL LIFE INSURANCE COMPANY THE PENN INSURANCE AND ...
Your IRA, 403(b) Issuer/Custodian or Qualified Plan Trustee may require additional forms. *Name Address Contract Number(s) SIMPLE IRA 401(k) 457(b) Governmental Plan Other Qualified Plan B. Type of Transaction Fund Full: Liquidate and Transfer all funds in my account. ... Retrieve Doc

Estate Planner’s View Of Life Insurance And Annuities
American General + MetLife + Aviva + Nationwide + Genworth - Minnesota Life Flat Hartford + Pacific Life + ING + Principal + or as part of an IRA (including SEPs and SIMPLEs); Annuities purchased by an employer for distribution to an employee ... Get Document

Metlife Improves Structured Attorney Fees - YouTube
Metlife improves structured attorney fees 8:01 Annuities Explained: NEVER invest in an annuity! by YourInvestmentAdvise 4,352 views 10:11 3 Reasons To Avoid Variable Annuities by Brian Fricke 3,007 views ... View Video

Variable annuities are currently regulated in the U.S. as insurance products by individual states’ insurance commis- (similar to an IRA account). • Several states, MetLife, New York Life, Prudential, Schwab, TIAA-CREF, ... Retrieve Document

IRS Tax Forms - Wikipedia, The Free Encyclopedia
1099-R: Distributions from Pensions, Annuities, Retirement Plans, IRAs, or Insurance Contracts; 1099-S: Proceeds from Real Estate Transactions; IRA Contribution Information; Form 5498-ESA: Coverdell ESA Contribution Information; Form 5498-SA: HSA, ... Read Article

Guaranteed Growth Fixed Deferred Annuity Fact Sheet
RetirementAccount(IRA)orTax-ShelteredAnnuity(TSA), youshouldbeawarethatsuchannuitiesdonotprovide tax-deferralbenefitsbeyondthosealreadyprovidedby theInternalRevenueCode.Beforepurchasingoneof Annuity; annuities; fixed annuity; interest rates ... Read More

Annuity Calculator - Investing For Beginners
Forecast the growth and payout of your annuities with these annuity calculators. These links include the best selection of financial calculators and annuity calculators from the web. ... Read Article

For Small Businesses SIMPLE IRA PLANS - United States ...
Into individual retirement accounts or annuities. Participants in a SIMPLE IRA Plan Employees who elect to make contributions or to whose accounts you deposit contributions are participants. Your obligation is to provide information to your financial institution on those ... Doc Retrieval

403(b) Incoming Contract Exchange/Direct Rollover CHARLES ...
Direct Rollover from a Traditional IRA Plan under 403(b) tax sheltered annuities. The restricted monies cannot be distributed to participants before the occurrence of one of the following: attainment of age 59 1/2; the MetLife companies, ... Fetch This Document

LTT MEC FINAL - James T. Gentry, CFP®, ChFC®& Special Needs ...
Annuities, and in addition, added a new Code section that for the first time set Neither MetLife nor its representatives or agents are permitted to give legal or tax advice. Any discussion of taxes included in or related to this document is for ... Get Content Here

InstructIons
Distributions were no longer eligible to rollover to an IRA. Plan Termination – Plan termination documentation signed by the plan administrator is required. 6. John Hancock Annuities Service Center PO Box 9505 Portsmouth, NH 03802-9505 ... Read Document

As A Starting Point For Reference, We Collect: TYPES OF MATERIALS
Investments, IRA’s, Mutual Funds, 401 (K), 529s Variable Annuities, Fixed Annuities, etc. Any Communications Airlines, Hotels, Cruise Lines, Car Rental, etc. Citibank Capital One: Hilton Hertz American Airlines MetLife John Hancock American General ... Retrieve Content

Term Insurance VS. Permanent Life Ins - YouTube
Have a great protection for 35 years and the financial advisor told me to invest the difference so now I have a Roth IRa and I save 200 a month so after 35 years I will have over 800.000 dollars so I won't need life Metlife, Mass, Guardian, heck 8:02 Index Annuities Explained by ... View Video

MetLife is not affiliated with any Fidelity Investments company. Before purchasing an annuity with IRA or 401(k) assets, you should evaluate how the annuity and IRA or 401(k) compare with respect to benefits, fees, and choice of investment options. ... Fetch Content

Are Annuities Good

RATE LOCK PROCEDURES FOR FIXED INDEXED DEFERRED ANNUITIES ...
“Good order” means that all required forms are properly completed and signed and the agent is properly licensed and appointed. Paperwork not in good order (“NIGO”) Transfer of Funds from Non-Insurance Accounts to Non-Qualified Annuities ... View Full Source

5 Smart Money Moves For Middle-Agers
Get personal finance advice tailored to your age. ... Read News

RECORD, Volume 30, No. 3 - SOA - Society Of Actuaries
Also, as you hedge these variable annuities, I thought $10 billion was a good-sized number, but apparently you were only scratching the surface with $10 billion. There is a limited amount of risk that investment banks and counterparties ... Content Retrieval

Annuities: The Problems
Annuities for their members from insurance companies. It is also relevant for larger pension funds, whose members may transfer to personal pensions to take advantage of annuities represent less good value for money, perhaps involving an implicit cost as high as 15%. ... Return Doc

Annuities Combined With Life Insurance
At this time TL & A does not offer such a payment option from their annuities. Additionally, there are many good reason why you may not wish to buy both the annuity and the life insurance from the same company. ... View Doc

VIEWPOINT Bad Apples, Annuities And The NAIC
Bad Apples, Annuities And The NAIC BY DANNY FISHER S THE SAYING GOES, A FEW BAD apples can spoil the whole barrel. good annuity and a bad one, here is a simple test: “Would I let my mother put her money in this contract?” The answer ... Fetch Doc

ANNUITIES
CHAPTER ONE - WHAT ARE ANNUITIES 1. OWNERSHIP OF AN ANNUITY 1. THE ANNUITANT 2. THE BENEFICIARY 3. MULTIPLE TITLES 3. HOW THE CONTRACT IS "DRIVEN" 3. WHEN DO BENEFITS BEGIN? 4. a straight life annuity is probably not a good choice, ... Content Retrieval

Is An Annuity Right For You?
Good deal if you’re in good health and have longevity in your family. For example, if the aforementioned man were to pass away at 105 years of age, he’d annuities for a slice of an investor’s portfolio to help hedge against longevity risk. However, remember ... Get Content Here

WHAT ARE ANNUITIES BROCHURE 4X8.5
Annuities are a good fit, you can then explore your options. It helps to discuss when and for how long you will receive income payments. This decision can be affected by whether you are married, what kind of payment schedule suits your needs, and whether you ... Read More

Wall Street Sees The Light On Indexed Annuities
The good news is it’s hard to bash something that you’re doing too, so there will be an increasing number of media stories about how good index annuities are and consumer demand will shoot up. The bad news is the independent agents that have had index ... Read More

American General DEFFERED ANNUITY RATES Effective February ...
INDEX ANNUITIES - ISSUE DATES: 5 TH, 12, 20 , and 28TH of each month American General Life Companies DEFFERED ANNUITY RATES receipt of the completed paperwork in good order (including premium and appropriate licensing and contracting information) at the Home Office. OPTION 2 ... Fetch Doc

Buying An Annuity
Various types of annuities can provide you with income after you retire and/or to pay out to your designated beneficiaries if you die. Does an annuity work like other investments, • Remember, if it seems too good to be true, it probably is! ... Fetch Doc

Investigate Before You Invest
By Dr. Paul Price. Read more » » Related Stocks: DEFERREDANNUITIES , ... Read News

How Safe are Annuities? - Advisor Perspectives
Annuities) tend to be longer-term than bank liabilities (i.e., deposits), and that, for insurers, with the 100 or so good-sized companies today perhaps shrinking to 75 or so. He cites the advantages of scale in the insurance ... View Document

Contents: What Is An Annuity? When Might I Need An annuity ...
Annuities can be bought with savings or with a pension fund. Annuities are commonly used for retirement plans, (link to retirement planning booklet) are under 75 there are still good reasons to have an annuity policy, especially if it's ... Get Content Here

Annuities Chapter Objectives - Risk Management And Insurance
Features make annuities a good way to save for retirement.2 An annuity contract commits an insurer to make a regular stream of payments to an annuitant, the person receiving the payments. The payments made to an annuitant usually are contingent on ... Document Retrieval

Tax-Sheltered Retirement Plans - Welcome To Utah State University
Annuities Two different animals! Deferred or Immediate - for a retirement income you won’t outlive Many different “flavors” with lots of variety Guarantees only as good as the insurance company selling the annuity Caveat emptor! ... Doc Viewer

Annuities
Example of annuities includes: regular payments into a savings account or superannuation fund, loan payments and periodic payments to a person from a A good example of this is a saving scheme where regular payments are made to build to a lump sum at the end of a period of time. ... Retrieve Here

The Great annuity Rip-off - McNutt Home Page
It's the old story: Annuities are sold, not bought. And a good salesman can get a lot of mileage out of the apparent tax advantages of a tax-deferred annuity. This investment product, he will tell you, is like an IRA, except that ... Read Full Source

Commissions On Variable Annuities

Annuity Prices And Performance Q&A - Prudential | Retirement ...
For expenses related to sales and distribution of the annuity, including commissions, marketing materials All variable annuities may not be available in all states. All guarantees are based on the claims-paying ability of the issuing company. ... Fetch This Document

Avoid annuities! Worst Investment Product Ever! - YouTube
Yet brokers are still pitching these products because the commissions are irresistible. Never lock your money up in an annuity money prison! Even T. Rowe Price admits variable annuities are meant to be held for 10 - 20 years. ... View Video

Investing In Annuities, Mutual Funds, And UITs
Variable annuities are subject to investment risk, which means the value of your investment could decrease below commissions, on invested assets that are held in your variable annuity. The insurance company sets these ongoing payments, ... View This Document

Suitability Developments In Annuity Sales In Texas
And higher commissions than other investments. Annuities carry tax deferral benefits. According to the Insurance Information Institute, in 2006 insurers sold $160.6 billion of variable annuities and $75.6 billion of fixed annuities. Variable annuities now hold almost $1.4 ... Retrieve Document

Versus commissions. variable annuities as having strong growth potential, giving them an average score of 4.4 on a 5-point scale. Asset managers also predict strong growth of qualifi ed VAs, giving them an average score of 4.0. ... Doc Viewer

Learn All About Annuities - Personal Finance Advice - YouTube
So, there are commissions, and the fees can run from 1% to 12%, there is a deferred sales charge. So, it is something that someone needs to look at very closely. 10:11 3 Reasons To Avoid Variable Annuities by Brian Fricke 3,007 views 2:04 Annuity Definition ... View Video

Investing Glossary
Active portfolio management is the opposite of indexing and can lead to higher fees and commissions, lowering returns. Adjusted Basis. Variable annuities carry no such guarantee but have a greater potential for appreciation. Asset Play. ... Read Article

Are Hedge Funds Giving You An Income Tax Problem?
Of course, the overall burden of commissions and administrative expenses, and the cost of insurance itself, must still be assessed. placement variable annuities is that sizable purchase of life insurance is not an option. This may be because ... Read Content

CHIFF - Schiff's Insurance Observer: The World's Most ...
Ment for the high commissions is that that’s what it takes to sell people some-thing that’s so good for them. But that leads to the question: why do life insur- and variable annuities. The product is de-signed so that a purchaser of the annuity ... Access This Document

WEDNESDAY, JULY 22, 2009 Long Derided, This Investment Now ...
Teed variable annuities entirely. Of those still available, MetLife, like AXA Equitable, promises insurers pay big commissions to salespeople, which may encourage them to push the products regard-less of their suitability, including ... Content Retrieval

LOG IN
Not registered for Financial Planning.com? The third-party marketing industry is in the midst of a sea change. First there was the consolidation of the industry itself, as larger firms like Raymond James, Cetera and LPL gobbled up or grabbed business from smaller players. ... Read News

The Great annuity Rip -off - Index Funds - DFA Advisors - DFA ...
Certainly not in stocks or bonds, where commissions are facing stiff competition. "The salesman has a new hammer, costs of variable annuities relative to mutual funds. But Patrick Reinkemeyer, editor of Morningstars variable annuity report, ... Read Here

Ethics - The American College
Million in new commissions and costing the customers $10 million in surrender fees—without determin-ing whether the transactions were suitable. One Waddell & Reed adviser was quoted in a Wall Street “Variable Annuities: Beyond the Hard Sell, ... Fetch Full Source

Variable Annuities Newsweek Article
According to the complaint, while W R earned $37 million in commissions. W R says its actions complied with all NASD regulations. Microsoft Word - Variable Annuities Newsweek article.doc Author: John Gower Created Date: ... View Doc

EVALUATING EQUITY INDEXED ANNUITIES - Financeware.com ...
Commissions paid on EIA contracts averaged just over eight percent of premium.3 Of - and by extension in variable annuities - through its guarantees against a loss in value and in offering minimum returns. This guarantee is enhanced by the opportunity to ... Fetch Document

Schedule Of Commissions And Fees
Commissions and Fees Effective June 1, 2012 The following schedule of commissions and fees applies to all U.S. Bancorp Load Mutual Funds/Unit Investment Trusts/Variable Annuities Subject to applicable sales charges and/or redemption fees as stated in ... Access Doc

Annuities And The Securities And Exchange Commission Proposed ...
Combining features of variable annuities and fi xed annuities. Typically, an equity indexed wh ile high commissions on some annuities may give sellers a substantial financial incentive to sell these products. The alleged sales ... Content Retrieval

Variable annuities: Bridging The Divide Sean Flanagan ...
Variable annuities: bridging the divide Sean Flanagan, Deutsche Bank AG • Advisers / Sales Commissions. Where we’ve been Many have tried to meet retirement needs, Fixed Exposure Variable Exposure / Path Dependent Liquidity at NAV •VA •Unit-linked / ILP ... Fetch Full Source

Indexed Annuity Products - Actuarial Jobs - Actuarial Exam ...
Indexed Annuities in the Annuity Spectrum Product not registered Similarity to variable annuity Indexed Annuity Commissions Cover a Broad Range Source: Advantage Compendium, AnnuitySpecs Products By Agent Commission Level 28.50% 30.92% ... Fetch Doc

EXAMINATION CONTENT OUTLINE
Commissions (500.1240, .2011) Types of Licensees (500.1206) Producer (500.240, 500.1201, .1201a, .1204, .1205, Variable Annuities Assets in a Separate Account Free Look Contract Charges Sales Charge Deferred Sales Charge Annual Contract Fee ... View This Document

How To Invest In A Low-Interest Rate Environment
Chasing yield can expose your portfolio to additional risk but it’s easy to fall behind inflation unless you consider alternative investment strategies. ... Read News

Universal Life Insurance - Wikipedia, The Free Encyclopedia
A similar type of policy that was developed from universal life insurance is the variable universal stocks, bonds, mutual funds, CDs or annuities that are placed in taxable Agents who sell Universal Life Insurance often receive commissions equal to the first year of target premiums ... Read Article

The FINANCIAL INSTITUTIONS ACT
Not have triggered agent commissions. By not following the Agency's directions, the Licensee was able to earn commissions; however, mutual funds to variable annuities would result in tax implications or that the changes meant ... Read Full Source

DREYFUS/TRANSAMERICA TRIPLE ADVANTAGE VARIABLE ANNUITY
The tax deferral features of variable annuities are unnecessary when purchased to fund a qualified plan. This contract currently offers various subaccounts in commissions to TCI for sales of the contracts by the selling firms. ... Get Content Here

Investors Insurance Annuities

NATIONAL ASSOCIATION FOR FIXED ANNUITIES WHITE PAPER ON FIXED ...
Futures investors are well aware, hedging is not a perfect science. The insurance company is at risk as annuities, the insurance company assumes the risk that it will be able to credit to the owner a specified ... Read Content

American Funds Growth Fund
Variable annuities are long-term investments designed for retirement purposes. Investors Insurance Company on Policy Form Series 6010 (02/02) and on Policy Form Series 4506 (06/02). All products are distributed by MetLife Investors Distribution Company. ... Get Doc

Guardian | Variable Annuities, The ABC123 Story
Investors are reassessing their plans to make sure they are prepared for the retirement they aspire to have. Variable Annuities from The Guardian Insurance & Annuity Company in these trying times—when you may be seeking financial products and ... Retrieve Document

Fixed Annuity Interest Rates For Annuity Investors Life ...
Single Premium Fixed Annuities AV increased by 7% if, after the 5th Contract Anniversary, annuitized for at least seven years or life FlexMax 10SM 3.60% 4.07%2 Fixed Annuity Interest Rates for Annuity Investors Life Insurance Company ... View Document

5 Smart Money Moves For Middle-Agers
Get personal finance advice tailored to your age. ... Read News

Great American Life Insurance Co Loyal American Life ...
ESP 2941 (5/30/2012) ® Great American Life Insurance Co Loyal American Life Insurance Co® Annuity Investors Life Insurance Co® Mailing Address: PO Box 5420, Cincinnati OH 45201 Fixed Annuities ... Return Doc

Fixed Indexed Annuity Approved/Exception List
ING All Fixed Indexed Annuities Investors Insurance Corp. All Fixed Indexed Annuities except: o SummitMark (no bonus) o VistaMark (no bonus) o MarkOne (no bonus) Jackson National All Fixed Indexed Annuities Jefferson-Pilot All Fixed Indexed Annuities Lincoln ... Read Full Source

MassMutual Announces Record 2012 Financial Results
SPRINGFIELD, Mass., Feb. 27, 2013 /PRNewswire/ -- Massachusetts Mutual Life Insurance Company (MassMutual) today announced strong consolidated statutory financial results 1 for 2012, including double digit ... Read News

Annuity Insights
Annuities off er investors a return based on changes in a specifi c market benchmark, such as the S&P 500. Some variable annuities off er built-in insurance products, even though they are not insurance policies. For example, the annuity contract may ... Retrieve Content

New Market Takes Shape: Deferred Income Annuity Product Helps Redefine Retirement Market As Sales Hit $1 Billion
New York Life today announced that its new Guaranteed Future Income Annuity1 , a flexible way to generate lifetime income in the future, exceeded $1 billion in premiums since its July 2011 introduction. ... Read News

Variable - NH.gov - The Official Web Site Of New Hampshire ...
Variable annuities naic# group domicile company name address city state zip exclusions 93513 241 mo metlife investors insurance company 18210 crane nest dr 3rd fl tampa fl 33647 na 61050 241 de metlife investors usa insurance ... Fetch Full Source

Financial Strength For Your Lifetime.
On variable annuities and variable insurance, guarantees do not apply to the performance of the variable subaccounts, which will vary with . market conditions. variable annuities. Investors Syndicate changes its name to Investors Diversified Services, Inc. (IDS). American Express Co. buys ... Doc Viewer

Variable annuities - Whole Life Insurance, Retirement And ...
Contract, investors should carefully consider the investment objectives, risks, your insurance agent, broker, financial planner, or annuities, which means that there is no accumulation ... Retrieve Full Source

ANNUITIES - Kentucky: Personnel Cabinet - Personnel Cabinet Home
0001256 Kemper Investors Life Ins. Co. 01. 0001260 Metropolitan Life Ins. 01. 0001280 United American Ins. 0001301 TIAA/CREF (Used by KCTCS) 0001280 United American Insurance (Annuities)09. 0001281 Careington International Corporation 01. ... Retrieve Document

Variable Annuities
A Guide for Investors. Annuities Variable Missouri Securities Division Office of the Secretary of State Investor Protection Hotline: 800-721-7996 Some insurance companies are now offering variable annuity contracts with “bonus credit” features. ... Read Here

Zenith Equity Portfolio
Variable annuities are long-term investments designed for retirement purposes. Investors Insurance Company on Policy Form Series 6010 (02/02) and on Policy Form Series 4506 (06/02). All products are distributed by MetLife Investors Distribution Company. ... Fetch This Document

ATHENE HOLDING LTD. ACQUIRES INVESTORS INSURANCE CORP., WILL ...
ACQUIRES INVESTORS INSURANCE CORP., WILL TARGET RETAIL FIXED ANNUITY SALES HAMILTON, Bermuda, July 19, 2011 – Athene Holding Ltd. (Athene) announced today focus on retail sales of annuities and reinsurance in the U.S. retirement services market, ... Doc Retrieval

Fixed Annuity FA
MetLife Investors fixed annuities, like all annuities, are insurance products and are not insured by the fdIC, the cA 92614 and in new York, only by First MetLife Investors Insurance company on Policy Form Series 6210 (01/02), 200 ... Get Doc

Aviva USA Field Update
Organizations, sold annuities that were unsuitable for their purchasers and failed to disclose Investors Life Insurance Company, AmerUs Life Insurance Company (now known as Aviva Life and Annuity Company) and certain of their respective predecessor companies from January 1, ... Get Document

Bibliography - Life Insurance - Annuities
LIFE INSURANCE - ANNUITIES NAIC Publications Fixed Indexed Annuities (Iowa data call December 2008), Investors flee annuities as concern grows about whether some companies will survive, Jeff D. Opdyke, The Wall Street Journal, NOvember 20, 2002 ... View Doc