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New Rules for Financial Security...Tips
Some of the time-tested advice on financial security has to be changed in the current economic times. Some tips from the editors of Money magazine:* Judging risk is about making or missing financial goals. Buying stock when it's a bargain or waiting for the upturn may not be best if you will need your money in the next decade. Scaling back on stocks might be better even if you miss the next upturn.* Increase your available cash. Forget six months' living expenses. Try to gather two to four years of living expenses in low-risk savings.* Diversify investments the right way. Check funds you own or want to buy at Morningstar.com's Instant X-Ray Tool. Buy a fund that invests up to 20 percent in emerging markets and the rest in developed countries. Then consider a high-yield fund and a broad U.S. bond fund and you will be well diversified.* Borrow cautiously. Get a mortgage you can afford for the life of the loan and make a down payment of 20 percent.* It's still a good idea to buy a home. Have modest expectations for a home as a wealth builder. Owning gives you a hedge against rising housing costs and it results ... more

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