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Home : 2008 Back Issues

2008 Back Issues

The 2008 issues of SMI are listed below from the most recent back to the beginning of the year. When you see a title of interest, click on it to view the complete article. To download an issue in its entirety (in PDF format), click the link at the end of the monthly listing.

A quick reminder about PDF files. In order to view and/or download an issue of SMI in PDF format, you will need to install the Adobe Acrobat Reader on your computer. It is available free from Adobe. (For our tips on how to download PDF files, click here.)

DECEMBER 2008

•	Cover Article: Your 10 Most Important Financial Moves for 2009
•	Editorial: The Pleasure of God in His Son
•	Level 1: Debt-Proof for the Holidays
•	Level 2: Boost Your Savings
•	Level 3/4: Reflections on a History-Making Year for the Economy and Markets
•	Looking Ahead: Obama Prepares to Put His Stamp on Economy, Tax Code
•	MoneyTalk: No Fund Changes This Month
•	Upgrading: Easy as 1-2-3
•	MoneyTalk: Time to Convert Your Traditional IRA to a Roth?
•	MoneyTalk: Sighting: The Year of Wall Street's Fallen Idols
•	MoneyTalk: Sighting: There's Nothing Wrong With a "Big Two"
•	MoneyTalk: Attention Upgraders in Taxable Accounts
•	MoneyTalk: Thinking of Rebalancing Early?
» Click here to download an Acrobat file of the entire December issue

NOVEMBER 2008

•	Cover Article: Good to Great in God's Eyes: Take Great Risks
•	Editorial: Nevertheless, A Time for Thanksgiving
•	Level 1: How One Person Conquered the Debt Mountain
•	Level 2: Is Your Money Market Fund Really Safe?
•	Level 3: Momentum: The Engine of SMI's Upgrading Strategy
•	Level 4: Third Quarter Review: Financial Earthquake!
•	Looking Ahead: Update on SMI's Vanguard Income Portfolios
•	MoneyTalk: New Fund Recommendations
•	Open Line: TD Ameritrade Holding Period Changes
•	Open Line: Not Enough Realism?
•	Open Line: Can Mutual Funds Become Worthless?
» Click here to download an Acrobat file of the entire November issue

OCTOBER 2008

•	Cover Article: Where Does the Money Go?
•	Editorial: To Panic, or Not to Panic, That Is the Question
•	Level 1: Web-Based Budgeting: A Taste of Mint.com
•	Level 2: For Rates, Safety, and Service, Consider a Credit Union
•	Level 3: Being Average Isn't So Bad: The Upside of Index Funds
•	Level 4: How Rebalancing Early Could Boost Your Long-Term Returns
•	Looking Ahead: Evaluating the Financial Strength of Your Insurer
•	MoneyTalk: New Fund Recommendations
•	Open Line: How to Dollar-Cost Average into Upgrading?
•	Open Line: When Might It Make Sense to Sell Low and Buy High?
» Click here to download an Acrobat file of the entire October issue

SEPTEMBER 2008

•	Cover Article: "You Got to Know When to Fold 'Em"
•	Editorial: When Good Upgrading Portfolios Go Bad
•	Level 1: Mortgage Myths Could Be Costing You Thousands!
•	Level 2: Breaking the Bank: How Safe Are Your Savings?
•	Level 3: Don't Look! — Blissful Ignorance Can Be Your Investing Ally
•	Level 4: Seeking for a Sign: How to Know When the Bear Market Is Over
•	Looking Ahead: Tips for an Intelligent College Search
•	MoneyTalk: New Fund Recommendations
•	Open Line: Hybrid Funds and Upgrading
•	Open Line: Locating Funds Within Your Retirement Plan
» Click here to download an Acrobat file of the entire September issue

AUGUST 2008

•	Cover Article: How Should Your Investments Change As You Move Through the Seasons of Life?
•	Editorial: The Bear Is Back! Are You Prepared?
•	Level 1: Is Your Debt at Dangerous Levels?
•	Level 2: Of Greater Interest: Better Rates in Bank Money Market Accounts
•	Level 3: Déjà Vu, All Over Again?
•	Level 4: Second Quarter Review: Prelude to A Bear Market
•	Looking Ahead: Payback Time: 'Reverse Mortgage' Can Be Money Source for Retirees
•	MoneyTalk: New Fund Recommendations
•	Open Line: Should I Convert my Traditional IRA to a Roth?
•	Open Line: EJtB vs. Upgrading
» Click here to download an Acrobat file of the entire August issue

JULY 2008

•	Cover Article: When the Game Is Over, It All Goes Back in the Box
•	Editorial: Eternal Treasures and Exhilarating Joy!
•	Level 1: Sacrificial Giving
•	Level 2: Bank On It—Online: Putting Your Savings on Deposit on the Web
•	Level 3: Drip by Drip: Investing Directly in Stocks, A Little at A Time
•	Level 4: The Danger of Chasing Hot Sectors
•	Looking Ahead: How Gift Annuities Can Increase Your Income During Retirement
•	MoneyTalk: New Fund Recommendations
•	MoneyTalk: Sighting: Only 5% of Adults Tithed Last Year, Barna Survey Says
» Click here to download an Acrobat file of the entire July issue

JUNE 2008

•	Cover Article: Demographics = Destiny?
•	Editorial: R.S.V.P.
•	Level 1: Plastic Perks: Making the Most of Credit Card Rewards
•	Level 2: Doing Well by Doing Good
•	Level 3: Understanding Mutual Fund Loads and Share Classes
•	Level 4: Latest Research on the Cost of Procrastination to Upgraders
•	Looking Ahead: Using SMI's Fund Performance Rankings to Select Funds for Your 401(k)
•	MoneyTalk: New Fund Recommendations
•	Open Line: Is a 100% Stock Portfolio Truly "Diversified"?
•	Open Line: How Much is Too Much Of a Single Bond Fund?
» Click here to download an Acrobat file of the entire June issue

MAY 2008

•	Cover Article: Resolving Money Conflicts in Marriage
•	Editorial: Lost Decade? Not for SMI Investors
•	Level 1: When Debt is Especially Dangerous
•	Level 2: SMI Changes Stance Towards Ultra Short-Term Bond Funds
•	Level 3: Why Wall Street Will Rarely Tell You When It's Time To Sell
•	Level 4: Short-term View: Tough Quarter! Long-term View: Outstanding!
•	Looking Ahead: The Thrift Savings Plan: A Great Deal for Government Workers
•	MoneyTalk: New Fund Recommendations
•	Open Line: Recommended Fund Rankings Differ from MOM Scores?
•	Open Line: Why Isn't Performance Data "Fresher"?
» Click here to download an Acrobat file of the entire May issue

APRIL 2008

•	Cover Article: The Critical Role of Prices
•	Editorial: Would You Like to Buy Low, Sell High? Your First Step Is to Buy Low...
•	Level 1: Mortgage Refinancing Advice from A Founding Father
•	Level 2: The Wisdom of Having An Emergency Fund Hits Home
•	Level 3: Learn to Speed Read...
•	Level 4: How to Virtually Eliminate the Risk of Capital Loss
•	Looking Ahead: Turning Your Nest Egg into A Monthly Income Stream
•	Open Line: Are We In A Recession, or Not?
» Click here to download an Acrobat file of the entire April issue

MARCH 2008

•	Cover Article: 2008 Broker Review: Choosing the Broker That's Right For You
•	Editorial: Easter Meditation: "That's My King!"
•	Level 1: Spending Strategies to Help You Live Within Your Budget / Part 2
•	Level 2: Earn 15%+ by Taking Advantage of Prepayment Discounts
•	Level 3: Less Complicated Than it Looks: A Simple Way to Gauge Bond Risk
•	Level 4: Avoiding Double Taxation When Calculating Mutual Fund Gains
•	Looking Ahead: Should You Purchase Long-Term Care Insurance?
•	Washington Watch: Understanding the Language of Economic Prosperity and Recessions / Part 2
•	Open Line: Mutual Fund Characteristics � Nice or Necessary?
•	Open Line: The Role of "Big Mo"
» Click here to download an Acrobat file of the entire March issue

FEBRUARY 2008

•	Cover Article: The High Cost of Fear
•	Editorial: Don't Let a Discouraging Market Cause You to Forget What You Have Learned from Experience
•	Level 1: Spending Strategies to Help You Live within Your Budget / Part 1
•	Level 2: SMI's Money Fund Recommendations Excelled Again in 2007
•	Level 3: Going Steady: The Advantages of a Systematic Investment Plan
•	Level 4: Upgrading Winning Streak Now at Nine Years and Counting
•	Looking Ahead: A Road Map to Retirement Plans for Small Business Owners
•	MoneyTalk: New Fund Recommendations
•	Washington Watch: Understanding the Language of Economic Prosperity and Recessions / Part 1
•	Open Line: The Truth About the Crash of 1929
» Click here to download an Acrobat file of the entire February issue

JANUARY 2008

•	Cover Article: Identifying and Fulfilling Your Purpose
•	Editorial: Not Sure What the Experts Are Up To, but Here's What I'm Doing in 2008
•	Level 1: Determining Your Debt Tolerance
•	Level 2: Give Yourself A Raise
•	Level 3: Even for the Pros, It's Tough to Guess What Stocks Will Do Next
•	Level 4: Adjusting Your Allocations For 2008's Market Probabilities
•	Looking Ahead: When Should You Begin Drawing Your Social Security Benefits?
•	MoneyTalk: New Fund Recommendations
•	MoneyTalk: Check Your Account Beneficiaries
•	Open Line: Reflections on the Subprime Mortgage Bailout
•	MoneyTalk: Primer On Annual Rebalancing
» Click here to download an Acrobat file of the entire January issue

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