Well-intentioned folks blindly investing in mutual funds, or even annuities, and then brag about their shrewdness. Today's Stocks & Topics: Fixed Annuities, Variable Annuities, AAPL - Apple Inc., European Central Bank, You Shouldn’t Listen to the Experts, Japan’s New Holiday, CALM - Cal-Maine Foods Inc., BMY - Bristol-Myers Squibb Co., LGND - Ligand Pharmaceuticals Inc., P.E. Ratio.