Value investing can be a journey of learning, ignorance removal and gradual wise-up. Today's Stocks & Topics: ETFs vs. Mutual Funds, Annuities, KHC - Kraft Heinz Co., Perspectives, Tax Quiz, Snap Chat IPO, FIT - Fitbit Inc., GEO - GEO Group Inc., Maximize Your Credit Score, SH - ProShares Short S&P 500, VXX - Barclays Bank PLC iPath S&P 500 VIX Short-Term Futures ETN, Hedging, IPOs, ETFs, DAL - Delta Air Lines Inc.