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Table of Contents:VOL. 38, NO. 6 - June 2009
Cover
11 ways to improve your financial self now
Don't let this recession keep you down. Grab the opportunity to build a stronger portfolio, cut the fat from your budget, and give yourself a head-to-toe fiscal makeover.  
The Trouble with Public Colleges
Record applications. Soaring tuition. Tighter budgets. State U. may no longer be as great a deal or as easy a backup as it once was. You need a new strategy.  
Rethink your legacy
Your net worth is smaller; your worries about your kids' finances are bigger. And who knows what will happen with taxes? Time to answer five key questions about your estate plan.  
Cause and effect
Economist Robert H. Frank explains why a culture of excessive risk taking flourished - and what might push us all to act more prudently.  
The price of faith
Three devout families of different religions grapple with the financial challenges of staying true to their beliefs.  
10 great last-minute summer getaways
Haven't made your vacation plans yet? Lucky you. This year the best deals come to those who waited.  
Money 1st
Three ways to know the economy is on the mend
 
The big idea
Why we need a Fed for retirement. 
The ethicists
When a bigger job comes with the same salary. 
By the numbers
Why you pay less for pills. 
Cool Tools
The best mortgage shopping sites. 
The Plan
Discover your budget style
Understanding why spending plans fail can help you find a system that works.  
The Makeover
How a family will pay for Dad to go back to school.  
When the Kids Move Back In
Offer a financial safety net that's comfortable, but not too comfortable.  
Second act
Giving the Peace Corps a chance. 
Five things to know about ... ... The safety of your pension.
 
Home
When it makes sense to rent
For some, forgoing home ownership now may be one smart financial move.  
The benefits of a beautiful outdoors
Even today, it's worth investing in your home's exterior.  
Invest
Are small-caps taking root?
In tough times, big blue chips get all the love. But small-company shares often sprout at the first sign of sunlight.  
Tech
Cut energy costs 30%
These gadgets can help reduce the effects of summer energy- bill sticker shock.  
Real Life
It's time to Unspoil your kids
You gave them everything. Now you wish you hadn't? Well, it's not too late to teach them the value of money.  
Columns
THE MONEY SHRINK
Get Your Spouse to Stop Overspending
First, realize it's all about the desire for control. By Tyler Cowen  
THE LONG VIEW
Planning for a Bumpy Ride
Traditional income strategies assume retirement will be smooth and steady. It never is. By Walter Updegrave  
VALUE ADDED
How to Haggle with a Contractor
Home pros spill the secrets on negotiation strategies that work. By Josh Garskof  
FUND WATCH
Topsy-Turvy Times for Funds
Beware of industry turmoil. It's always you who pays in the end. By Penelope Wang  
INTELLIGENT INVESTOR
Are Stocks a Loser's Bet?
Only if you try to guess which ones will be the winners. By William J. Bernstein  
THE BOTTOM LINE
Stop Soaking the Not-So-Rich
These tax provisions have become upper-middle-class burdens. By Janice Revell  
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Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: © 2018 Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. 2018. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2018 and/or its affiliates.