Table of contents: VOL. 33, NO. 11 - November 1, 2004
COVER STORY
The road to retirement is lined with false expectations and overblown fears. To find your way there, you first have to get real about what's involved (more)

Features
New breeds of micro-experts are springing up everywhere, and they can fix your nastiest money headaches (more)
For real-life advice on how to plan for retirement, listen to the stories of folks who've already made it work (more)
Good weather. Great prices. Plenty of fun stuff to do. No crowds. The key to the best vacation deals is to know the best time to go (more)
Peter Bernstein may know more about investing than anyone alive. And the most important thing he knows is this: He has no idea what the future will bring (more)

The Narayans were slammed twice in two months, first by a near-fatal car crash, then by Hurricane Charley. Now their financially innocent 26-year-old daughter has to piece her family's life back together (more)
The key to investing during retirement is making sure your money lasts as long as you do. Here's how to create a lifetime income (more)
Employers and insurers have latched onto a Big New Idea that will change your family's health care as profoundly as managed care did 20 years ago. No one has any idea whether it will work, but it's coming your way—and soon. (more)
The job market is finally changing—in your favor. But to get the most coin, you need to master the art of persuasion. Here's how to do it (more)
Briefing
Too many card issuers take a bite out of your gift before the recipient can spend it. Here are the fees to avoid (more)
Think you've seen clearly through the campaign spin and political sideshows? Try this little test (more)

How to score hard-to-find sports tickets (more)
Because while disasters can cause a world of hurt, they rarely harm home prices. Here's why (more)
...that's right! Here to help! Help you get this $8,000 grant... (more)
Wall Street guru Ed Yardeni called the real estate boom early. Now he says the end is near. Are you ready for the fallout? (more)

Invest
Three months ago we said that this mortgage machine was a buy. Now federal regulators have accused Fannie of manipulating earnings. Time to cut your losses? (more)
Exchange-traded funds can be a good deal—but they're not for everyone (more)
It's sooo tempting to chase what's hot; look instead for what's next (more)
The Pimco Commodity Real Return Strategy fund is racking up big gains and attracting hordes of investors. So should you be putting pork in your portfolio? (more)
The stocks are cheaper, and business looks healthy. But the fall could kill you (more)
...and business is good. But can Symantec fend off the competition and keep growing fast enough to justify the stock's lofty valuation? (more)

Why indexing works for most investors most of the time—and how it sometimes falls short (more)
The prospect of a Bush defeat has been holding back big investors, argues political analyst Greg Valliere. But does it really matter who is in the White House? (more)
Buy our stock, begs Washington Mutual. Learn our business, says Expeditors International of Washington. Who's right? (more)
Money Talk
Some cars just don't work. If you buy one that's a dud, arbitration is often the best solution—as long as you do it right (more)
Plan
The tech bust left Jim Stewart jobless for a long, long time. Now he's blazing a career trail that many of us will someday follow (more)
These simple steps can help you tame the holiday gimmes and put meaning back into the season for you and your children (more)
Repay, by all means. But make sure you do it in the right order (more)
There are some basic financial realities you need to keep in mind (more)
Bubble or not, demand is softening. That means you'll have to work extra smart to get the price you want (more)
These hot policies will refund every penny you pay in premiums. But —surprise! —there's a catch (more)
Spend


Like it or not, your next television will be a high-definition one—and you're going to love it. Here's what you need to know (more)
The redesigned Mustang, Corvette and Porsche 911 remind you of how legends are made—and reborn (more)
Thanks to Dr. Atkins, beef is welcome again in family dining rooms. But you won't find the best meat in supermarkets. You have to order it by mail (more)
Who needs a cellar? Wine refrigerators help maintain flavor and value—and you don't have to be an oenophile to own one (more)
The Numbers





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