The gamecock. (Columbia, S.C.) 1908-2006, November 02, 1995, Page 4, Image 4
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RECENTLY.
MORNINGSTAR CALLED
US CHEAP.
IT'S NOT EVERY DAY
YOU GET A COMPLIMENT
LIKE THAT.
All financial companies charge operating fees fees aside from a very modest operating expense
k and expenses ? some more than others. Of of 1/4 of 1% of annuity assets. Interest and divicourse,
the lower the expenses you pay, the bet- dends are reported after all operating costs have
ter. That way more of your money goes where it been deducted. Standard & Poor's calls TIAA's
1 11 . J L u: C?.-L1_ r..x? ?" 1?,? "*
snouia?towaras ouiiuing a corinui iciuic iuiuic. tuaia
Of course, expenses are only one factor to
We make low expenses a high priority. consider when you make an investment decision.
While we're committed to keeping our expenses
Because of our size and our exclusive focus down, we spare nothing in striving to provide
on serving the needs of educational and research top-quality investment choices, financial expercommunities,
TIAA-CREF's costs are among the tise, and personal service. Because that can make
lowest in the insurance and mutual fund indus- a difference in the long run, too.
tries.1
In fact, Morningstar, Inc. -one of the TIAA-CREF seeks performance, not profit.
nation's leading sources of variable annuity and
mutual fund information ? says, "Size isn't a con- At TIAA-CREF, we believe people would
straint; it...enables CREF to realize a remarkable like to spend more on retirement, not oij their
economy of scale."2 According to Morningstar s retirement company. If you'd like to see how
data, CREF's "minuscule" 0.31% average fund our approach can help keep more of your money
expense charge was less than half that charged working for you, call us at 1 800 842-2776 (8
by comparable funds.3 a.m. to 1 1 p.m. ET, weekdays). We'd consider it
TIAA's traditional annuity also charges no a compliment.
jHEEJ
Ensuring the future
for those who shape it.
1. Standard e* Ptwrs huutrance Rating AnalyoL*, 1995; Lippcr Analytical Services, Inc., Lipper-Directors Analytical Data, 1995 (Quarterly).
2. Source: Morningstar, Variable Annuities/Life 4/12/95. 3. Of the 2,358 variable annuity funds tracked by Morningstar,
the average fund had annual expenses of 0.78% plus an insurance expense of 1.24%. Source: Morningstar, Inc., for periods
ending July 31, 1995. 4. Standard c">'Pt*or's Insurance Rating Analy,*i*, 1995.
TIAA-CREF expenses are subject to change and are not guaranteed for the future. CREF is a variable annuity and its returns are not guaranteed.
The value of your investment can go up or down, no matter what expense levels arc. CREF certificates arc distributed by TIAA-CREF
Individual and Institutional Services. For more complete information, including charges and expenses, call 1 800 842-2773, extension 5509,
for a prospectus. Read the prospectus carefully before you invest or send money. Date of first use: 7195. 7
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J Thursday, November 2,1995
Mixed Media Jack Ohman
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\ h& ) defense lawyer
On ,rmurder one"
m?ct?~.s !
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Suburban Cowgirls Janet Alfieri and Ed Colley
C AMD THE BAP FAIRV STOOD TWILL BECOME FIRST LAW
I OVER THE CRAPLE AMP SAID"' / AWP BE CQNSTAMTLY SLAMMEP
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$}$/ -~A\ 1 1 If fffl. I C1995 Tribune Media Services. Inc.
(Wty /!-x yrsjj VOL X > V t I fjf If I ? All Rights Reserved.
Calvin and Hobbes Bill Waterson
LOOK.' GEESE TWICE. A VEAR THEX MIGRATE I'LL BET \ TOU DoNT SEE
FUONG SOUTH U-t?r* ^ THOUSANDS OF MILES ACRDS5 THAT GETS ME KEEPING
FOP. THE / THE CONTINENT IN AM ~ OLD REAL / A SUMMER
WINTER. EXHAUSTING, ETERNAL >? FAST" / HOME.
^STRUGGLE TO FULFILL I ^ J ^ ^
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| * BON GEMWjS TO \ ILL TAKE TUE \ IXSM \HVJSVAM
FANSED TERROR, COME IN/ YiALVClfc-TALKIE. OOREM.'
DO NOO README ? OVER / ^
Mother Goose & Grimm Mike Peters
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6 Complaint 14
10 Harte, the - M.. 19
author
14 Large mammal, 20 ^^121 l22?
briefly
15 Roof feature 23~~ 24 bbss
16 Light wine _JB m
17 Certain 28
architecture
18 Arboreal abode 31 32
20 Large birds = 39 Hi
21 "? o'clock
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22 Devoured H
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39 Bete ?
40 Ranee wear 65 ^H66~
41 With self- I I I I HI M I I I I
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44 Knock A" r'9h,s reserved45
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48 Topper charge 3 1TT|ToBo 1 S vBnT7?,
49 Inevitable 10 Expands fa v 1 Ala n v hfa 3 u 1 TT
54 Italian city 11 Put to flight TTo jBT nV T n n VTT
57 Strikes out 12 Being MM
58 Take ?ride 13 High-schooler ^XfX 3 _a_j_ _!
59 Farm laborer 19 Throw HH^LAjJLHH-LAJ_J__LA.A
61 Church table 21 Was present d v n "l 1 n 3 a idNOQ
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66 Slow-cooked 28 Night light N 3 i v 3Bh7TT v|s n w 3_
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67 Did sums homestead T7n^b777tbo "nT h"?
30 Lingerie item
DOWN 31 Sleuths lAM" [ a B d [ 3 [ 3 91 u 3 d [v [dj
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2 "A House Is Not 33 Kind of skirt
?" 35 Negative votes
3 Certain picture 56 Stannum
4 Isolate 38 Loaded
5 Fabled bird 42 Homer's saga 51 Famous 56 Dull person
6 Davis or Midler 43 Nevertheless 52 Clear a tape 57 Abstain from
7 Dog? (shabby 47 Ransacked 53 Had the nerve food
from overuse) 49 Italian poet 54 Sigh of relief 60 Possesses
8 Level 50 Bequeath 55 River of England 61 ? Khan