Word: loads
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...wildfire behaves is determined by many variables, but among the most important are wind speed, topography, air temperature, humidity and, last but not least, fuel load. Variations in fuel load create the equivalent of speed bumps in the landscape that serve to slow fire down, and the problem we have now is that this patchiness in many places has all but disappeared--replaced by vast tracts of forest that are uniformly dense with unburned kindling...
...United States this year has been genetically manipulated. There are no labels and no indications that the majority of what we are eating may not be as wholesome and natural as we thought, but conceived in the laboratory of a corporate Dr. Frankenstein. Did you know that almost every load of bread sold contains wheat that has been genetically manipulated to produce its own pesticide...
...long-term investor, the up-front A shares are cheapest. Wake Forest economist Edward O'Neal has proved that over a period of more than seven years, no other load structure can outperform A shares. And if you invest $25,000 or more, most load funds will give you a discount on the up-front sales charge--making A shares the best choice even in the short run. Those discounts, which are not available on B or C shares, are called breakpoints...
...clients with more than $25,000 to invest. Smythe calls this "very disturbing evidence" that brokers are either as fee-befuddled as their clients--or blatantly self-serving. I call it proof that the only investing watchdog you can rely on is yourself. Here's how to avoid a load of trouble...
KNOW YOUR INVESTING HORIZON. If you own a load fund for at least seven years, nothing but A shares makes sense. C shares are generally better for holding seven years or less. B shares might be the cheapest option for a seven-year horizon, but they aren't economical for any other time frame...