id	sid	eid	entity	type
fsr-3898	1	1	natalie chieffe*	PERSON
fsr-3898	1	2	ganas k.	PERSON
fsr-3898	1	3	ohio university	ORG
fsr-3898	1	4	athens	GPE
fsr-3898	1	5	oh 45701	DATE
fsr-3898	3	1	1	CARDINAL
fsr-3898	3	2	2	CARDINAL
fsr-3898	3	3	3	CARDINAL
fsr-3898	3	4	4	CARDINAL
fsr-3898	6	1	1999	DATE
fsr-3898	6	2	science inc.	ORG
fsr-3898	8	1	jel classification:	ORG
fsr-3898	8	2	1	CARDINAL
fsr-3898	11	1	eaton	GPE
fsr-3898	11	2	1993	DATE
fsr-3898	11	3	1991	DATE
fsr-3898	11	4	1993	DATE
fsr-3898	11	5	1993a	DATE
fsr-3898	14	1	740-593-9320	CARDINAL
fsr-3898	15	1	address:chieffe@ohio.edu	PERSON
fsr-3898	15	2	n. chieffe	PERSON
fsr-3898	16	1	8 (1999	DATE
fsr-3898	17	1	261–268	CARDINAL
fsr-3898	17	2	1999	DATE
fsr-3898	17	3	science inc.	ORG
fsr-3898	22	1	two	CARDINAL
fsr-3898	33	1	2	CARDINAL
fsr-3898	33	2	1	CARDINAL
fsr-3898	33	3	23 2	CARDINAL
fsr-3898	34	1	1	CARDINAL
fsr-3898	34	2	403bs	ORG
fsr-3898	34	3	the cfp board	ORG
fsr-3898	35	1	262	CARDINAL
fsr-3898	35	2	n. chieffe	PERSON
fsr-3898	35	3	g.k.	GPE
fsr-3898	35	4	8 (1999	DATE
fsr-3898	35	5	261–268	CARDINAL
fsr-3898	35	6	one	CARDINAL
fsr-3898	35	7	four	CARDINAL
fsr-3898	36	1	first	ORDINAL
fsr-3898	39	1	a year	DATE
fsr-3898	39	2	two	CARDINAL
fsr-3898	41	1	one to five years	DATE
fsr-3898	41	2	five years	DATE
fsr-3898	42	1	second	ORDINAL
fsr-3898	46	1	2.1	CARDINAL
fsr-3898	46	2	first	ORDINAL
fsr-3898	46	3	1	CARDINAL
fsr-3898	46	4	concernsmoney managementissues	PERSON
fsr-3898	54	1	davis	PERSON
fsr-3898	54	2	carr	PERSON
fsr-3898	54	3	1992	DATE
fsr-3898	56	1	first	ORDINAL
fsr-3898	58	1	a month	DATE
fsr-3898	60	1	americans	NORP
fsr-3898	61	1	u.s.	GPE
fsr-3898	61	2	1998	DATE
fsr-3898	61	3	12.1%	PERCENT
fsr-3898	61	4	1980	DATE
fsr-3898	61	5	7.4%	PERCENT
fsr-3898	61	6	1996	DATE
fsr-3898	65	1	263n	NORP
fsr-3898	66	1	chieffe	PERSON
fsr-3898	66	2	g.k.	GPE
fsr-3898	66	3	8 (1999	DATE
fsr-3898	67	1	261–268	CARDINAL
fsr-3898	72	1	one	CARDINAL
fsr-3898	74	1	their first year	DATE
fsr-3898	76	1	2.2	CARDINAL
fsr-3898	78	1	second	ORDINAL
fsr-3898	79	1	about three to six months	CARDINAL
fsr-3898	81	1	3-month	DATE
fsr-3898	82	1	chang	PERSON
fsr-3898	82	2	huston	PERSON
fsr-3898	82	3	1995	DATE
fsr-3898	82	4	huston	PERSON
fsr-3898	82	5	chang	PERSON
fsr-3898	82	6	1997	DATE
fsr-3898	83	1	chang	PERSON
fsr-3898	83	2	hanna	PERSON
fsr-3898	83	3	1997	DATE
fsr-3898	98	1	264 n. chieffe	QUANTITY
fsr-3898	98	2	g.k.	GPE
fsr-3898	98	3	8 (1999	DATE
fsr-3898	99	1	261–268	CARDINAL
fsr-3898	103	1	their college years	DATE
fsr-3898	106	1	some years	DATE
fsr-3898	107	1	2.3	CARDINAL
fsr-3898	108	1	third	ORDINAL
fsr-3898	113	1	today	DATE
fsr-3898	117	1	first	ORDINAL
fsr-3898	118	1	monthly	DATE
fsr-3898	119	1	modigliani	PERSON
fsr-3898	119	2	ando	ORG
fsr-3898	119	3	1963	DATE
fsr-3898	120	1	domian	ORG
fsr-3898	120	2	1993	DATE
fsr-3898	124	1	hensel	ORG
fsr-3898	124	2	ezra	PERSON
fsr-3898	124	3	1991	DATE
fsr-3898	127	1	265n	LANGUAGE
fsr-3898	128	1	chieffe	PERSON
fsr-3898	128	2	g.k.	GPE
fsr-3898	128	3	8 (1999	DATE
fsr-3898	129	1	261–268 2.4	PERCENT
fsr-3898	129	2	fourth	ORDINAL
fsr-3898	137	1	3	CARDINAL
fsr-3898	137	2	2	CARDINAL
fsr-3898	140	1	2	CARDINAL
fsr-3898	140	2	2	CARDINAL
fsr-3898	140	3	3	DATE
fsr-3898	140	4	4	DATE
fsr-3898	140	5	5	DATE
fsr-3898	140	6	6	DATE
fsr-3898	140	7	7	DATE
fsr-3898	140	8	8 9, 13	DATE
fsr-3898	140	9	14	DATE
fsr-3898	140	10	15	DATE
fsr-3898	140	11	16	DATE
fsr-3898	140	12	17	DATE
fsr-3898	140	13	18	CARDINAL
fsr-3898	140	14	2	CARDINAL
fsr-3898	140	15	3	DATE
fsr-3898	140	16	4	DATE
fsr-3898	140	17	6	DATE
fsr-3898	140	18	7 5, 11	DATE
fsr-3898	140	19	12	DATE
fsr-3898	140	20	13	DATE
fsr-3898	140	21	14	CARDINAL
fsr-3898	140	22	4	CARDINAL
fsr-3898	140	23	5	DATE
fsr-3898	140	24	6	DATE
fsr-3898	140	25	7	DATE
fsr-3898	140	26	11	DATE
fsr-3898	140	27	12 13	DATE
fsr-3898	140	28	14	DATE
fsr-3898	140	29	15	DATE
fsr-3898	140	30	16	DATE
fsr-3898	140	31	17	CARDINAL
fsr-3898	140	32	5	DATE
fsr-3898	140	33	6	DATE
fsr-3898	140	34	7	DATE
fsr-3898	140	35	8 12	DATE
fsr-3898	140	36	13	DATE
fsr-3898	140	37	14	DATE
fsr-3898	140	38	15	DATE
fsr-3898	140	39	16	DATE
fsr-3898	140	40	17	CARDINAL
fsr-3898	140	41	2	CARDINAL
fsr-3898	140	42	3	DATE
fsr-3898	140	43	4	DATE
fsr-3898	140	44	5	DATE
fsr-3898	140	45	6	DATE
fsr-3898	140	46	7 12, 13	DATE
fsr-3898	140	47	14	DATE
fsr-3898	140	48	15	CARDINAL
fsr-3898	140	49	16	CARDINAL
fsr-3898	140	50	2	CARDINAL
fsr-3898	140	51	3	DATE
fsr-3898	140	52	4	DATE
fsr-3898	140	53	5	DATE
fsr-3898	140	54	6	DATE
fsr-3898	140	55	7	DATE
fsr-3898	140	56	8	DATE
fsr-3898	140	57	9	DATE
fsr-3898	140	58	10	DATE
fsr-3898	140	59	11 15	CARDINAL
fsr-3898	140	60	16	DATE
fsr-3898	140	61	17	DATE
fsr-3898	140	62	18	CARDINAL
fsr-3898	140	63	2	CARDINAL
fsr-3898	140	64	3	DATE
fsr-3898	140	65	4	DATE
fsr-3898	140	66	5	DATE
fsr-3898	140	67	16 9	DATE
fsr-3898	140	68	10	DATE
fsr-3898	140	69	11	DATE
fsr-3898	140	70	12	DATE
fsr-3898	140	71	13	DATE
fsr-3898	140	72	14	DATE
fsr-3898	140	73	15	DATE
fsr-3898	140	74	17	CARDINAL
fsr-3898	140	75	10	CARDINAL
fsr-3898	140	76	11 12	CARDINAL
fsr-3898	140	77	19	CARDINAL
fsr-3898	140	78	9	CARDINAL
fsr-3898	140	79	10 8	DATE
fsr-3898	140	80	15	CARDINAL
fsr-3898	140	81	8	CARDINAL
fsr-3898	140	82	9	DATE
fsr-3898	140	83	10	CARDINAL
fsr-3898	140	84	8	CARDINAL
fsr-3898	140	85	10	DATE
fsr-3898	140	86	11 9	CARDINAL
fsr-3898	140	87	17	CARDINAL
fsr-3898	140	88	12	DATE
fsr-3898	140	89	13	DATE
fsr-3898	140	90	14 19	DATE
fsr-3898	140	91	18	DATE
fsr-3898	140	92	garman	PERSON
fsr-3898	140	93	e.t.	PERSON
fsr-3898	141	1	6th	ORDINAL
fsr-3898	141	2	gj	PERSON
fsr-3898	141	3	gitman	PERSON
fsr-3898	141	4	l.d.	GPE
fsr-3898	141	5	joehnk	PERSON
fsr-3898	141	6	8th	ORDINAL
fsr-3898	142	1	hpr	ORG
fsr-3898	142	2	ho, k.	PERSON
fsr-3898	142	3	perdue	PERSON
fsr-3898	142	4	g. and robinson	PERSON
fsr-3898	142	5	u.s.	GPE
fsr-3898	142	6	k, keown	ORG
fsr-3898	142	7	j.a.	GPE
fsr-3898	142	8	macdonald	PERSON
fsr-3898	142	9	d.b. personal financial management	ORG
fsr-3898	142	10	rmc	ORG
fsr-3898	142	11	rejda,	ORG
fsr-3898	142	12	g.e.	GPE
fsr-3898	142	13	mcnamara	GPE
fsr-3898	142	14	wf	ORG
fsr-3898	142	15	b.j.	GPE
fsr-3898	142	16	5th	ORDINAL
fsr-3898	142	17	266 n. chieffe	QUANTITY
fsr-3898	142	18	g.k.	GPE
fsr-3898	142	19	8 (1999	DATE
fsr-3898	142	20	261–268	CARDINAL
fsr-3898	144	1	3	CARDINAL
fsr-3898	148	1	the most recent year	DATE
fsr-3898	149	1	4.	CARDINAL
fsr-3898	149	2	four	CARDINAL
fsr-3898	155	1	3	CARDINAL
fsr-3898	155	2	267n	PRODUCT
fsr-3898	156	1	chieffe	ORG
fsr-3898	156	2	g.k.	GPE
fsr-3898	156	3	8 (1999	DATE
fsr-3898	157	1	261–268	CARDINAL
fsr-3898	161	1	jill lynn	PERSON
fsr-3898	161	2	st	GPE
fsr-3898	161	3	mary	PERSON
fsr-3898	161	4	notre dame	ORG
fsr-3898	162	1	k. c. & domian	PERSON
fsr-3898	162	2	d. l.	PERSON
fsr-3898	162	3	1993	DATE
fsr-3898	163	1	2(1	CARDINAL
fsr-3898	164	1	chang	PERSON
fsr-3898	164	2	y. r.	PERSON
fsr-3898	164	3	hanna	GPE
fsr-3898	164	4	s. & fan	ORG
fsr-3898	164	5	j. x.	PERSON
fsr-3898	164	6	1997	DATE
fsr-3898	165	1	8(1	CARDINAL
fsr-3898	166	1	chang	PERSON
fsr-3898	166	2	y. r. & huston	ORG
fsr-3898	166	3	1995	DATE
fsr-3898	167	1	1983	DATE
fsr-3898	167	2	1986.financial	CARDINAL
fsr-3898	167	3	6,119–128	DATE
fsr-3898	168	1	clements	PERSON
fsr-3898	168	2	j.	PERSON
fsr-3898	168	3	1993a	DATE
fsr-3898	169	1	first	ORDINAL
fsr-3898	169	2	well.the wall street journal	ORG
fsr-3898	169	3	oct. 6	DATE
fsr-3898	170	1	clements	PERSON
fsr-3898	170	2	j. (	PERSON
fsr-3898	170	3	1993b	DATE
fsr-3898	171	1	three	CARDINAL
fsr-3898	171	2	investor.the wall street journal	ORG
fsr-3898	171	3	june 11	DATE
fsr-3898	172	1	davis	PERSON
fsr-3898	172	2	e. p. & carr	ORG
fsr-3898	172	3	r. a.	PERSON
fsr-3898	172	4	1992	DATE
fsr-3898	173	1	3	CARDINAL
fsr-3898	174	1	eaton	PERSON
fsr-3898	174	2	l.	GPE
fsr-3898	174	3	1993	DATE
fsr-3898	175	1	july 12):8–9	DATE
fsr-3898	176	1	fevurly	PERSON
fsr-3898	176	2	k. r.	PERSON
fsr-3898	176	3	1991	DATE
fsr-3898	178	1	garman	PERSON
fsr-3898	178	2	e. t. &	ORG
fsr-3898	178	3	r. e.	PERSON
fsr-3898	178	4	2000).personal	CARDINAL
fsr-3898	179	1	boston	GPE
fsr-3898	179	2	houghton mifflin	ORG
fsr-3898	180	1	gitman	ORG
fsr-3898	180	2	l. j. & joehnk	PERSON
fsr-3898	180	3	m. d.	PERSON
fsr-3898	180	4	1999).personal	CARDINAL
fsr-3898	181	1	fortworth	PRODUCT
fsr-3898	181	2	tx	ORG
fsr-3898	182	1	gray	ORG
fsr-3898	182	2	w. s.	PERSON
fsr-3898	182	3	1993	DATE
fsr-3898	183	1	35–45	CARDINAL
fsr-3898	184	1	hensel	ORG
fsr-3898	184	2	c. r.	PERSON
fsr-3898	184	3	ezra	GPE
fsr-3898	184	4	d. d.	NORP
fsr-3898	184	5	j. h.	PERSON
fsr-3898	184	6	1991	DATE
fsr-3898	185	1	decision.financial analysts journal	ORG
fsr-3898	185	2	47(4	CARDINAL
fsr-3898	186	1	ho, k., perdue, g., & robinson	PERSON
fsr-3898	186	2	c.	PERSON
fsr-3898	186	3	1999).personal	CARDINAL
fsr-3898	186	4	u.s.	GPE
fsr-3898	187	1	north york	GPE
fsr-3898	187	2	captus press inc	ORG
fsr-3898	187	3	huston	ORG
fsr-3898	187	4	s. j. & chang	ORG
fsr-3898	187	5	1997	DATE
fsr-3898	188	1	8(1	CARDINAL
fsr-3898	188	2	kapoor	GPE
fsr-3898	188	3	j. r.	PERSON
fsr-3898	188	4	dlabay	GPE
fsr-3898	188	5	l. r. & hughes	ORG
fsr-3898	188	6	r. j.	PERSON
fsr-3898	188	7	1999).personal	CARDINAL
fsr-3898	188	8	5th	ORDINAL
fsr-3898	189	1	boston	GPE
fsr-3898	189	2	irwin-mcgraw-hill	ORG
fsr-3898	190	1	keown	ORG
fsr-3898	190	2	a. j.	PERSON
fsr-3898	190	3	nj	ORG
fsr-3898	190	4	prentice-hall, inc	ORG
fsr-3898	190	5	modigliani, f. & ando, a.	ORG
fsr-3898	190	6	1963	DATE
fsr-3898	191	1	american	NORP
fsr-3898	191	2	53	DATE
fsr-3898	192	1	j. a. & macdonald	ORG
fsr-3898	192	2	d. b.	PERSON
fsr-3898	192	3	1999).personal	CARDINAL
fsr-3898	193	1	cincinnati	GPE
fsr-3898	194	1	rejda, g. e. & mcnamara	ORG
fsr-3898	194	2	m. j.	PERSON
fsr-3898	194	3	1998).personal	CARDINAL
fsr-3898	195	1	ma	PERSON
fsr-3898	195	2	addison wesley longman	PERSON
fsr-3898	196	1	rosefsky	PERSON
fsr-3898	196	2	r. s.	PERSON
fsr-3898	196	3	1996).personal	CARDINAL
fsr-3898	196	4	finance,6th	NORP
fsr-3898	197	1	new york	GPE
fsr-3898	198	1	john wiley	PERSON
fsr-3898	199	1	u.s.	GPE
fsr-3898	200	1	u.s.	GPE
fsr-3898	200	2	b. j. &	ORG
fsr-3898	200	3	r. r.	PERSON
fsr-3898	200	4	1996).personal	CARDINAL
fsr-3898	200	5	5th	ORDINAL
fsr-3898	201	1	nj	ORG
fsr-3898	201	2	prentice hall	ORG
fsr-3898	202	1	268 n. chieffe	QUANTITY
fsr-3898	202	2	g.k.	GPE
fsr-3898	202	3	8 (1999	DATE
fsr-3898	202	4	261–268	CARDINAL