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...mistake. Some planners are paid commissions by the sellers of mutual funds, annuities and other products. Others earn fees, either hourly or by the plan. Still others take a percentage of assets under management. And some combine several of these approaches. Fee-based planners have the fewest conflicts because they have no incentive to steer you to any particular product or service. But even those planners use insurance agents and others who receive commissions. What's crucial is making sure all fees are fully disclosed so that you know how much you're paying to whom and for what...
Both Harvard and Maine are feeling good about their goaltending situations. In this type of situation, it’s going to come down to which goalie makes the fewest mistakes...
...source of the Bears' success has been its extraordinary ball-attacking defense, which has given up the fewest points of any team in the NFL. It is one modeled on the Baltimore Ravens, last year's Super Bowl champions. If there's a weak spot on the team, it's the sometimes feeble offense, which also, alas, seems to be modeled on Baltimore's. Miller hasn't always put up enough points to stay in the game. In the Bears' two losses to Green Bay, the defense held the powerful Pack to a total of 37 points, but the offense...
...perhaps even more impressive than the scoring capabilities of the offense is the fact that it has only turned the ball over seven times this season, fewest in the nation, after committing 36 turnovers last year. Meanwhile, the Crimson defense has created 22 takeaways, ranking the Crimson in the top five in the country in turnover margin as well...
...proof, you could say, is in the pudding. Guilty of 36 turnovers last season, Harvard has committed just seven this season, the fewest in all of Division I-AA. Senior quarterback Neil Rose has been a different player, or at least a much more efficient one. After throwing 13 interceptions last year, he has thrown only three in 2001. Ryan Fitzpatrick, a rookie who had never taken a snap before this year, has been picked off just once...