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P R I N C I P L K S
S O U N D R H T I R K M H N T I N V H S T INC,
f
RECENTLY,
MORNINGSTAR CALLED
US CHEAP.
IT’S NOT EVERY DAY
YOU GET A COMPLIMENT
LIKE THAT.
A 1 financial companies charge operating fees
and expenses — some more than others. Of
course, the lower the expenses you pay, the bet
ter. That way more of your money goes where it
should—towards building a comfortable future.
We make low expenses a high priority.
Because of our size and our exclusive focus
on serving the needs of educational and research
communities, TIAA-CREF’s costs are among the
lowest in the insurance and mutual fund indus
tries.'
In fact, Morningstar, Inc.—one of the
nation’s leading sources of variable annuity and
mutual fund information — says, “Size isn’t a con
straint; it...enables CREF to realize a remarkable
economy of scale.” 2 According to Morningstar s
data, CREF’s “minuscule” 0.31% average fund
expense charge was less than half that charged
by comparable funds. 3
TIAA’s traditional annuity also charges no
Ensuring the future
for those who shape it.
1. Standard Poor a Insurance Rating Analy^id, 1995; Lipper Analytical Services, Inc., LJppcr-Directors ’ Analytical Data, 1995 (Quarterly).
2. Source: Morningstar, Variable AnnuitUd/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
en ding July 31, 1995. 4. Standard cl Poors Insurance Rating Analysis, 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 guaran
teed. The value of your investment can go up or down, no matter what expense levels are. CREF certificates are 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: 7/95.
fees aside from a very modest operating expense
of 1/4 of 1% of annuity assets. Interest and divi
dends are reported after all operating costs have
been deducted. Standard & Poor’s calls TIAA’s
costs “exceptionally low.’ M
Of course, expenses are only one factor to
consider when you make an investment decision.
While we re committed to keeping our expenses
down, we spare nothing in striving to provide
top-quality investment choices, financial exper
tise, and personal service. Because that can make
a difference in the long run, too.
TIAA-CREF seeks performance, not profit.
At TIAA-CREF, we believe people would
like to spend more on retirement, not on their
retirement company. If you’d like to see how
our approach can help keep more of your money
working for you, call us at 1 800 842-2776 (8
a.m. to 11 p.m. ET, weekdays). We’d consider it
a compliment.
Page 10 • The Battalion
lues day • October 10,l9)j
Two Americans, German
win Nobel medicine prize
□ The scientists were
awarded for their work
on how genes control
early embryo
development.
(AP) — Two Americans and a
German won the Nobel Prize for
medicine on Monday for studies
of how genes control early em
bryo development — research
that should help explain some
birth defects and miscarriages.
Working with fruit flies, the
three scientists identified genes
that do the very earliest organiz
ing to create a body and investi
gated how genetic master switch
es later produce specialized fea
tures like wings and legs.
The winners are Edward B.
Lewis, 77, at California Instill-
of Technology in Pasadem
Calif.; Eric F. Wieschaus,48j
Princeton University; and Quit
tiane Nuesslein-Volhard, 52,i|
the Max-Planck Institute forit.
velopmental Biology in Tuefc
gen, Germany.
They will share the prize,
worth $1 million this year,aiii
will be honored Dec. lOataca
emony in Stockholm.
T
o.
Gaines
Continued from Page 1
A&M history.”
David Washington, a senior political science
major and executive vice president of Student
Government, said the statue will bring some
thing to A&M that is special.
“This will be a sitting tribute to a person
who had a great deal to do with the founding
of our University,” Washington said. “He be
lieved Texans would need a higher education
and thought it would be a golden opportunity
to develop an agricultural and engineering
school which would eventually become A&M'
Washington said that if not for Gaines, there
may not have been an institution that could
have had a Gen. Earl Rudder or Lawrence Sul
livan Ross, two important figures in A&M his- 1—
tory who are already remembered with statues
on campus.
Octavia Evangelista, a junior political sci P
ence major and NAACP political action chair,
said she is glad A&M undertook this projeetbe
cause it adds to minority representation.
“As far as minorities go, I think they area
very integral part in the beginnings of A&M,' E
Evangelista said. ^
Rudder
Continued from Page 1
to tell us how to stabilize the
statues current condition and
maintain it year to year.”
Reynolds said he would also
like the conservator to survey
the other pieces of campus
statues such as the E. King
Gill statue and the ARCH 401
statue in front of the Langford
Architecture Building.
If the examinations cannot
be done this year, Reynolds
said he hopes to have the
pieces that have not been sur
veyed reviewed in future years
and said he wants to maintain
a schedule of preservation.
Stuart Masters, MSG vice
president for programs anda a
senior marketing and manage- (
ment major, said he is glad s
that steps are being taken to
preserve campus art.
“We’re breaking the tradi
tion of polishing, but were
maintaining a much larger
tradition by ensuring the stat
ues will be here for the next
year and 10 to 15 years down
the road,” Masters said.
“You shall know the truth,
and the truth shall make you free”
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