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Home : 2009 Back Issues

2009 Back Issues

The 2009 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. 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 2009

•	Cover Article: Your 10 Most Important Financial Moves for 2010
•	Editorial: The Greatest News Ever Announced!
•	Level 1: Have Yourself a Merry Debt-Free Christmas
•	Level 2: The Prudent Path: Saving Before Investing
•	Level 3: The Shot Heard 'Round The World? Schwab Launches No-Commission ETFs
•	Level 4: Real Estate Investment Trusts Are Potential Inflation Fighters, But Beware Their Risks
•	Looking Ahead: Your Year-End Tax Advisory
•	MoneyTalk: New Fund Recommendations
» Click here to download an Acrobat file of the entire December issue

NOVEMBER 2009

•	Cover Article: Trusting God to Work Things Together for Good
•	Editorial: How Health Care "Reform" Will Affect You
•	Level 1: Reading the Fine Print: Credit Card Companies Change the Rules
•	Level 2: They're Worth More Than You Think! Valuing Your Non-Cash Donations
•	Level 3: The Upside of a Falling Dollar: Returns from International Funds
•	Level 4: Third Quarter Review: Making Up For Lost Time
•	Looking Ahead: Have Kids? Here are Four Financial Mistakes To Avoid
•	From the Web: Redeem EE Savings Bonds?
•	From the Web: Rebalancing Clarification
•	From the Web: How Many Foreign Funds Are Too Many?
•	MoneyTalk: Where Health Care Legislation Stands Now
•	MoneyTalk: Sighting: The Baucus Bill and the Deficit
•	MoneyTalk: Sighting: The Whole Foods Alternative
» Click here to download an Acrobat file of the entire November issue

OCTOBER 2009

•	Cover Article: Is a College Education Still Worth the Investment?
•	Editorial: The Deflation/Inflation Quandary: Is it Either or Both?
•	Level 1: Another Option for Delaying the Payback of Student Loans
•	Level 2: Is High-Yield Checking Worth the Inconvenience?
•	Level 3: Understanding SMI's Monthly "Recommended Funds" Report
•	Level 4: Re-Evaluating the "Safe" Part of Your Portfolio
•	Looking Ahead: Gold Follow-Up: Putting Precious Metals in an IRA
•	Reminder: SMI Outreach to Widows
•	From the Web: Struggling to Upgrade in a 401(k)
•	From the Web: A year ago today...
» Click here to download an Acrobat file of the entire October issue

SEPTEMBER 2009

•	Cover Article: A Road Map for Investing in Gold
	Online Extras: • Shopping for Gold Coins • Shopping for Gold Bars • Trading Gold Funds
•	Editorial: Attention: Financial Professionals
•	Level 1: Abundant Financial Advice and Inspiration in the Blogosphere
•	Level 2: "EE" Savings Bonds: Still Worth a Look?
•	Level 3: Make Sure Your Investment Decision-Making Is Inside-Out
•	Level 4: Leveraged Funds: Enticing Idea, But "The Math Will Not Work"
•	Looking Ahead: Medicare Enrollment Season: Advice On Choosing a Plan
•	MoneyTalk: New Fund Recommendations
•	From the Web: Revisiting Peer-to-Peer Lending
•	From the Web: Bulls and Bears
» Click here to download an Acrobat file of the entire September issue

AUGUST 2009

•	Cover Article: A Dollar in Danger Leads Many to Gold
•	Editorial: Reconsidering Gold — Why Now?
•	Level 1: Negative Equity? Can't Make the Payments? Here are Your Options
•	Level 2: Money Market Funds: The Fallout Continues
•	Level 3: Why You Want Both Growth and Value Investments
•	Level 4: Second Quarter Review: A Sigh of Relief
•	Looking Ahead: Preparing for When the Power Goes Out
•	From the Web: How To Use The New Vanguard Income Portfolio Tool
•	From the Web: Indexing vs. Upgrading
•	From the Web: Real Savings Rate
» Click here to download an Acrobat file of the entire August issue

JULY 2009

•	Cover Article: Biblical Wisdom for Giving
•	Editorial: A Guest Editorial from Our Heavenly Father
•	Level 1: Settle A Debt for Less than You Owe? It Can Be Done, But...
•	Level 2: Helping Your Children Learn to Save and Give
•	Level 3: Six Steps to Creating a Long-Term Investing Plan
•	Level 4: Introducing the New Vanguard Income Portfolio Tool
•	Looking Ahead: Why It's Essential to Plan Your Giving
•	MoneyTalk: New Fund Recommendations
•	MoneyTalk: Sighting: Randy Alcorn on Tithing vs. Grace-Giving
•	From the Web: All-Clear Indicator Triggered
•	From the Web: GNMA Bond Funds
» Click here to download an Acrobat file of the entire July issue

JUNE 2009

•	Cover Article: Making Money From Home
•	Editorial: Adjusting to the "New Normal"
•	Level 1: Money and Marriage God's Way
•	Level 2: When Banks Compete, You Win
•	Level 3: Your Most Important Investing Decision
•	Level 4: Where Are the Best Opportunities as the Economy Recovers?
•	Looking Ahead: How I Saved a Ton of Money on Life Insurance
•	MoneyTalk: New Fund Recommendations
•	From the Web: How to Upgrade with Multiple Accounts
•	From the Web: Omnium/TDA Holding-Period Confusion
» Click here to download an Acrobat file of the entire June issue

MAY 2009

•	Cover Article: Investing with Rising Inflation in View
•	Editorial: Eight Key Factors that Determine Your Long-Term Investing Results
•	Level 1: Credit Check: Why You Should Get Copies of Your Credit Reports
•	Level 2: What Would a "Stress Test" of Your Savings Show?
•	Level 3: Stock Indexes: Taking the Measure of the Market
•	Level 4: First Quarter Review: Bear-Market Bottom or Just a Bounce?
•	Looking Ahead: Women and Social Security What You Don't Know Can Cost You
•	MoneyTalk: New Fund Recommendations
•	From the Web: Employers Suspend 401(k) Matching
•	From the Web: Classifying Funds by SMI Risk Category
•	From the Web: SMIVX vs. SMIFX
» Click here to download an Acrobat file of the entire May issue

APRIL 2009

•	Cover Article: Protecting Yourself Against "The Big One"
•	Editorial: An Easter Meditation: The Life of a Branch
•	Level 1: Budgeting Basics 4: Staying the Course
•	Level 2: Liquidity Matters: Will You Have Money to Face an Emergency?
•	Level 3: Investing Wisdom From a Master
•	Level 4: Better Market Environment Emerging for Upgrading?
•	Looking Ahead: Verify and Diversify: Protecting Yourself Against Financial Fraud
•	MoneyTalk: New Fund Recommendations
•	From the Web: Practical Advice, Christian Context
•	From the Web: Concerns in Light of the Madoff Scandal
» Click here to download an Acrobat file of the entire April issue

MARCH 2009

•	Cover Article: Almost Too Good to Be True
•	Editorial: My Hopes for 2009 Have Suffered a Setback
•	Level 1: Budgeting Basics 3: Setting Category Limits
•	Level 2: Cash Stash: The Best Places For Your Savings Right Now
•	Level 3: No Such Thing As "Normal"
•	Level 4: Buy This Fund — or That One? How to Fine-Tune Your Selections
•	Looking Ahead: Missing the Mark: Many "Target" Funds Fail to Protect Those Nearing Retirement
•	MoneyTalk: New Fund Recommendations
•	MoneyTalk: Join the "Compassion Challenge"
•	MoneyTalk: SMI Launches Outreach to Widows
•	MoneyTalk: Sighting: What Other Financial Crises Tell Us
•	MoneyTalk: Sighting: The Limitations of Government
•	From the Web: Trouble Meeting Fund Minimums
•	From the Web: Stay Away From Ginnie Mae?
•	From the Web: Why Do My Upgrading Results Differ From Yours?
» Click here to download an Acrobat file of the entire March issue

FEBRUARY 2009

•	Cover Article: The Richest Man In Babylon
•	Editorial: Shell-Shocked, but Ready for the Challenges and Opportunities of a New Year
•	Level 1: Budgeting Basics 2: Tracking Your Spending
•	Level 2: SMI's Money Fund Recommendations Were A Bright Spot in a Bad Year
•	Level 3: Market Probabilities: What the Past Suggests About the Future
•	Level 4: Winning Streak for Upgraders Ends After Nine Years
•	Looking Ahead: Borrowing from a 401(k) Is Convenient — But Costly
•	MoneyTalk: Sighting: The Borrowing Bailout Parade Must End
•	MoneyTalk: IRA-Related Tax Change: Turning a "Distribution" into a Donation
•	MoneyTalk: No "Required Minimum Distributions" in 2009
•	From the Web: Should I Try Market Timing?
» Click here to download an Acrobat file of the entire February issue

JANUARY 2009

•	Cover Article: How to Avoid Panic and Reduce Fear
•	Editorial: In Search of A Silver Lining
•	Level 1: Budgeting Basics 1: Reasons Not To Budget
•	Level 2: How Much Emergency Savings Do You Really Need?
•	Level 3: Making the 'Right' Investing Decisions in 2009 — and Beyond
•	Level 4: 2009 SMI Allocation Guide: Weighing The Risks
•	Looking Ahead: Fixed Annuities: Security at a Price
•	MoneyTalk: New Fund Recommendations
•	MoneyTalk: Primer on Annual Rebalancing
•	From the Web: What if this bear market is different?
•	From the Web: Why is Upgrading lagging the market?
» Click here to download an Acrobat file of the entire January issue

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