How much everything you need to plan for retirement, from simple tools to help you get started to a as the nation’s 401k leader we know how to make the whole process as simple as poss
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INSIDER’S GUIDE TO SMART SPENDING
AT THE
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Need a lift? GETTING TO RETIREMENT can seem likea pretty dauntingtask What do youdo? How much everything you need to plan for retirement, from simple tools to help you get started to a
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features
88| The Best Advice of
All Time twenty rules for
suct m some of the
smartest investors (and
others) who've ever lived
BY CARLA FRIED
98|They Want To Sell
Your Kid to Harvard or
Stanford or wherever Andit
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BY PENELOPE WAN
onthe cover
104| Your Money and
Your Brain Towinat investing, outwityour impulses By JASON ZWEIG
112|Masterofthe Imperfect MindDaniel
an wona Nobel for
ewhy wemake the wrong financial moves Who better toask how to doitright?
INTERVIEW BY JASON ZWEIG
114| YouCan'tGoHome
Ïn The Pellissiers had'
yotsand great prospects
in New Orleans Butthat’s no
longerenough to keep them there BY MARLYS HARRIS
123|Value Judgments Howto
know whenthegoodstuffis worth
theextracost—and whenthe
economy choiceis good enough,
BY ANDREA BARTZ, ISMATSARAH
MANG AH ROTHBAUM AND
SON ROTHMAN,
To get the most from your budget, splurge on the mattress but save
‘on the headboard
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PHOTOGRAPH BY EVAN KAFKA MONEY MAGAZINE@35]1972-2007 September
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1);
September2007
departments
Money
>start
19 | SEND OFF A FRUGAL
FRESHMAN Four ways to
cut costs at college
BY ANDREA BARTZ
20 | NEWS FLASH
No more credit-score
grandfathering
BY CAROLYN BIGDA
21 | Is YOUR HOUSE YOUR
NEST EGG? If so, you may
need to get over a few
misconceptions
BY AMANDA GENGLER
24 Ì MONEY HELPS
BY DONNA ROSATO
28 | DO THE RIGHT THING
Our vacation pals always
nab the best room Is that
fair? BY JEANNE FLEMING
AND LEONARD SCHWARZ
32 | YOUR MONEY & YOUR
LIFE Why you might
want to buy
financial plan
BY JEAN CHATZKY
cee iene) mortgage Insurancs Go,
>plan
31 | TEETERING ON THE
EDGE Ever wondered
what you'd do if you lost your health insurance?
Consider your options
BY CAROLYN BIGDA
46 | THE BOOM YEARS
Stop investing like a kid
You have way more money
at risk and far less time to
recover, BY DAN KADLEC
81 | FINDING THE RIGHT
WORDS Lighta fire under
your contractor
BY MARLYS HARRIS
82 | THE BEST OF
Personal-finance software,
BY DAVID FUTRELLE
84 | SAVINGS AND CREDIT
It’s easier than ever to
overdraw your checking
And your bank loves it
BY CAROLYN BIGDA
88 | THE LONG VIEW
Three costly 401(k) errors
BY WALTER UPDEGRAVE
>home
61 | LANDLORDS IN WAITING Can't sell your
house? Why not rent it
while you ride outthe slump? BY KATE ASHFORD
67 | ABIG PAYOFF FROM
THE TINIEST ROOM
When it comes to enhancing your home’
value, adding a bathroom
is a sure bet
aY JOSH GARSKOF
69 | QUESTION OF THE
MONTH If you can’t put down 20%, should you pay PMI or take out a second mortgage?
BY AMANDA GENGLER
You can also read the latest MONEY stories on your handheld deviceat | CNNMoney.mobl
‘SEPTEMUER 2007 VOLUMIESS NUMBERS
ona doomed bull market 71
>invest
71 | HOW You'LL KNOW
THE END IS NEAR Before a
bull market keels over, it usually leaves a few signs
BY PAUL R LA MONICA
16 | MONEY MAKEOVER
‘The Leons know what they want retirement to look like To get there, they need to take smarter risks
BY JOSH HYATT
78 | THE INTELLIGENT
INVESTOR How many stocks should you own?
‘The answer may surprise YOU, BY JASON ZWEIG
82 | SIVY ON STOCKS
Three new additions to
today’slistof top growers
BY MICHAEL SIVY
10 INDEX
14 EpiTor's NOTES
16 TALK BACK
134 THE NUMBERS
‘Stocks, Mutual Funds
14O CASHING OUT
MONEY September2007 7
Trang 10Now on
THE ULTIMATE
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> The latest home prices: 15o top markets tracked
essa nee eet ese)
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ROCKY-MARKET GUIDE will stocks head
up or down? Is your portfolio in good shape either way?
Asset Alllocator: Get the right mix of stocks and bonds
MONEY 70: Sleep well owning these mutual funds, regardless of where the market goes next
The Intelligent Investor:
MONEY’s Jason Zweig helps you make the right decisions