Today on Mastering Money, CFP®, MBA, and Certified Investment Management Analyst® Murray Titterington with the IQ Wealth Investment Management Team is here to review the IQ Wealth Black Diamond Dividend Portfolio, a focused dividend portfolio with strict rules, higher dividends, lower fees, and lower turnover. In the Q & A, Steve explains key income rider fundamentals you must understand before choosing an annuity. Then, we take a look at the poor performance record of market timing newsletters. Mark Hulbert of MarketWatch reports that the average market timing newsletter only stays in business 4.3 years. One of the most consistently wrong timers, according to CNN Money and Barron's: Harry Dent.