An active fund manager, David Winter or Wintergreen Funds, believes that investors are being taken in by "low-fee hype" and are falling prey to "index mania." Could it be because investors have discovered that paying almost 1.9% per for someone to try and predict the future for a portfolio of just 31 stocks is a fool's game? Should a landlord pay off mortgages to invest elsewhere? A caller tries to help mother with dental claims. Plus, are annuities a good retirement planning tool?