3433-vol. 6 issue 2-3.pmd - iarfc

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8 Journal of Personal Finance EDITOR Ruth H. Lytton, Ph.D. RFC EDITORIAL COORDINATOR Jennifer King Mailing Address: Web Site: JOURNAL OF PERSONAL FINANCE VOLUME SIX, ISSUE TWO AND THREE EDITORIAL ADVISORY BOARD Steve Bailey, RFC, LUTCF, CEBA HB Financial Resources Christopher M. Becks, RFC Strategic Financial Consultants, Inc. Joyce Cantrell Kansas State University Michael S. Finke, Ph.D. Texas Tech University Charles Hatcher, Ph.D. University of Wisconsin So-Hyun Joo, Ph.D. Financial Planning Standards Board, Korea Karen Eilers Lahey, Ph.D. University of Akron Rich Landsberg, RFC, J.D., LLM Nationwide Financial Services Mike Lemieux, RFC U.S. Worldwide Financial Services, Inc. Jean Lown, Ph.D. Utah State University Burnett Marus, RFC Burnett Marus Associates IARFC Journal of Personal Finance The Financial Planning Building 2507 N Verity Parkway Middletown, OH 45042 http://jpf.agecon.vt.edu/Index.htm. Jerry Mason, Ph.D., CFP®, RFC Edelman Financial Services Mike Massrock Western Reserve Life and ISI Robert Moreschi, Ph.D., RFC Virginia Military Institute Edwin P. Morrow, RFC, CFP®, CLU, ChFC Financial Planning Consultants Barbara O’Neill, Ph.D., CFP®, AFC, CHC, CFCS Rutgers Cooperative Extension David Pankiw, AIF, RFC Legacy Advisors, LLC Anthony Sorrentino, RFC National Financial Services Philip J. Statz, RFC Insight Financial Group, Inc. Patrick A. Strubbe, ChFC, CSA, RFC Preservation Specialists, LLC William J. Trainor, Jr., Ph.D. East Tennessee State University Jing Xiao, Ph.D. University of Rhode Island © Copyright 2008. International Association of Registered Financial Consultants. (ISSN 1540-6717) ©2008, IARFC All rights of reproduction in any form reserved.
Volume 6, Issue 2 & 3 9 Postmaster: Send address changes to IARFC, Journal of Personal Finance, The Financial Planning Building, 2507 N Verity Parkway, Middletown, OH 45042 Permissions: Requests for permission to make copies or to obtain copyright permissions should be directed to the Editor. Certification Inquiries: Inquiries about or requests for information pertaining to the Registered Financial Consultant or Registered Financial Associate certifications should be made to IARFC, Financial Planning Building, 2507 North Verity Parkway, Middletown, Ohio 45042. Disclaimer: The Journal of Personal Finance is intended to present timely, accurate, and authoritative information. The editorial staff of the Journal is not engaged in providing investment, legal, accounting, financial, retirement, or other financial planning advice or service. Before implementing any recommendation presented in this Journal readers are encouraged to consult with a competent professional. While the information, data analysis methodology, and author recommendations have been reviewed through a peer evaluation process, some material presented in the Journal may be affected by changes in tax laws, court findings, or future interpretations of rules and regulations. As such, the accuracy and completeness of information, data, and opinions provided in the Journal are in no way guaranteed. The Editor, Editorial Advisory Board, the Institute of Personal Financial Planning, and the Board of the International Association of Registered Financial Consultants specifically disclaim any personal, joint, or corporate (profit or nonprofit) liability for loss or risk incurred as a consequence of the content of the Journal. General Editorial Policy: It is the editorial policy of this Journal to only publish content that is original, exclusive, and not previously copyrighted. Subscriptions: The Journal of Personal Finance is mailed automatically to every U.S. member of the IARFC. Single Copies are available for $15 for non U. S. members, including postage. U.S. members, who wish to distribute additional copies for professional associates may purchase multiple copies for $10 each. Annual Subscriptions, for <strong>issue</strong>s, are $55 U.S. and $68 non U.S. Send subscription requests and payment to: IARFC Journal of Personal Finance The Financial Planning Building 2507 N Verity Parkway Middletown, OH 45042
Page 1 and 2: Journal of Personal Finance Tools,
Page 3 and 4: Volume 6, Issue 2 & 3 3 RESEARCH &
Page 5 and 6: Volume 6, Issue 2 & 3 5 A Bull Call
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Page 13 and 14: Volume 6, Issue 2 & 3 13 LIFE FOCUS
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Page 17 and 18: Volume 6, Issue 2 & 3 17 True Value
Page 19 and 20: Volume 6, Issue 2 & 3 19 Financial
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Page 23 and 24: Volume 6, Issue 2 & 3 23 References
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Page 27 and 28: Volume 6, Issue 2 & 3 27 ity. It is
Page 29 and 30: Volume 6, Issue 2 & 3 29 work. Bein
Page 31 and 32: Volume 6, Issue 2 & 3 31 TEN HEALTH
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Page 35 and 36: Volume 6, Issue 2 & 3 35 also subje
Page 37 and 38: Volume 6, Issue 2 & 3 37 Retiree He
Page 39 and 40: Volume 6, Issue 2 & 3 39 Assistance
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Page 47 and 48: Volume 6, Issue 2 & 3 47 Merlis, M.
Page 49 and 50: Volume 6, Issue 2 & 3 49 UNDERSTAND
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Volume 6, Issue 2 & 3 61 References
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Volume 6, Issue 2 & 3 63 These type
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Volume 6, Issue 2 & 3 65 ENTER YOUR
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Volume 6, Issue 2 & 3 67 total retu
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Volume 6, Issue 2 & 3 69 First, at
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Volume 6, Issue 2 & 3 71 Figure 4:
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Volume 6, Issue 2 & 3 73 The user c
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Volume 6, Issue 2 & 3 75 Ibbotson A
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Volume 6, Issue 2 & 3 77 Income Rep
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Volume 6, Issue 2 & 3 79 asset allo
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Volume 6, Issue 2 & 3 81 maintain t
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Volume 6, Issue 2 & 3 83 Table 4 Ad
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Volume 6, Issue 2 & 3 85 Tezel, A.
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Volume 6, Issue 2 & 3 87 the outsta
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Volume 6, Issue 2 & 3 89 Table 1 De
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Volume 6, Issue 2 & 3 91 1998, prel
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Volume 6, Issue 2 & 3 93 Worry and
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Volume 6, Issue 2 & 3 95 Table 2 (c
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Volume 6, Issue 2 & 3 97 Q1 = 20-27
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Volume 6, Issue 2 & 3 99 significan
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Volume 6, Issue 2 & 3 101 in Later
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Volume 6, Issue 2 & 3 103 Reference
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Volume 6, Issue 2 & 3 105 Lee, J.,
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Volume 6, Issue 2 & 3 107 Xiao, J.
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Volume 6, Issue 2 & 3 109 educating
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Volume 6, Issue 2 & 3 111 stock is
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Volume 6, Issue 2 & 3 113 Table 1 i
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Volume 6, Issue 2 & 3 115 Hypothesi
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Volume 6, Issue 2 & 3 117 defined a
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Volume 6, Issue 2 & 3 125 Conclusio
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Volume 6, Issue 2 & 3 127 Fama, E.
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Volume 6, Issue 2 & 3 129 • Marke
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Volume 6, Issue 2 & 3 131 Advertise
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3433-vol. 6 issue 2-3.pmd - iarfc

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