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In this Newsletter I have fabulous
information on the following topics you need
to know about:
The 15 Best Performing Mutual Funds
Best Performing Fixed Annuities to Buy
Top Rated Variable Annuity Companies
Pros and Cons of Fixed and Variable
Annuities
Please email me topics you would like me to
write about in the newsletter. I want to
serve your needs.
Cheers,
Lucian
| Fixed and Variable Annuities |
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What Are They? How Can They Benefit You?
Because of the steep market declines
in recent years, many of you are looking for
more safe investment options. Some of you
have considered buying either "fixed
annuities" or "variable annuities" for your
retirement portfolio. Below I have described
the advantages and disadvantages for various
fixed and variable annuity alternatives for
you. Read it to determine if you are a
candidate for this investment.
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| Award Winning Funds |
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Top rated, award-winning funds is always what
you are asking me for. Well here they are!!
They were chosen as THE top funds by a set of
judges from Smart Money magazine. I have
listed them in five categories below:
- U.S. Large Cap Funds
- Foreign Funds
- Global Funds
- Balanced Funds
- Real Estate Funds
So here goes for some award winning funds for
your consideration. Keep in mind there are
hundreds of funds in each category below and
these are the best three in each category.
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| Ratemaking Fundamentals You Need To Know |
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Lucian's Ratemaking Course continues to get
rave reviews!! A recent study showed that 92%
of utility employees want to know more about
ratemaking in some way. Ratemaking and rate
cases are back on the front burner. Many
utilities have not filed rate cases for ten
or more years and new employees have little
to no knowledge of how their utility makes
money under the rate case. Older employees
have forgotten key elements of ratemaking,
ratemaking strategy and need a tune-up on
ratemaking.
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| Lucian's Funny Life Story |
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Charlie Brown Story: Everybody Has A
Special Talent
Each year, I try and take my youngest
daughter, Christina, on a life experience
trip to broaden her horizons. This trip would
prove to be truly amazing, and funny to
boot.
When Christina was 14, she was aware I had
booked another trip. She bounced home from
school and asked her mother, "I need to start
packing, what hotel are we going to be
staying in on my trip with Daddy." My wife
replied, "Well, darling, you better talk to
your Daddy about that."
Finding that to be odd, Christina waited
anxiously for me to return home to ask me
what the accommodations would be on the trip.
Was it a surprise? A deluxe suite? Could she
bring her puppy?
Then I told her...
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Joke of the Day |
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Boudreaux Bank Loan
A Cajun from New Orleans walked into a bank
in New York City and asked for the loan
officer. He told the loan officer that he was
going to Paris for an international alligator
convention for two weeks and needed to borrow
$5,000 and that he was not a depositor of the
bank.
The bank officer told him that the bank would
need some form of security for the loan, so
the Boudreaux handed over the keys to a new
Ferrari. The car was parked on the street in
front of the bank. Boudreaux produced the
title and everything checked out.
The loan officer agreed to hold the car as
collateral for the loan and apologized for
having to charge 12% interest.
Later, the bank's president and its officers
all enjoyed a good laugh at the Cajun from
Louisiana for using a $250,000 Ferrari as
collateral for a $5,000 loan. An employee of
the bank then drove the Ferrari into the
bank's private underground garage and parked
it. Two weeks later, Boudreaux returned,
repaid the $5,000 and the interest of
$23.07.
The loan officer said, "Sir, we are very
happy to have had your business, and this
transaction has worked out very nicely, but
we are a little puzzled. While you were away,
we checked you out on Dunn & Brad Street
credit ratings and found that you are a
highly sophisticated investor and
multimillionaire with real estate and
financial interests in Louisiana. What
puzzles us is why would you bother to borrow
$5,000?"
Boudreaux replied, "Where else in New York
City can I park my car for two weeks for only
$23.07 and expect it to be there when I
return?"
Don't mess with dem dare Cajuns...
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