Kiplingers Personal Finance - August 2013, Tygodniki, prasa, magazyny
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THE DOW 30 STOCKS
:
BUY, HOLD or SELL?
PERSONAL
FINANCE
Retire
Where
Yo u
Want
GREAT PLACES
TO LIVE ALL OVER
THE GLOBE
p 56
INSIDE
Lessons from Apple’s fall
p 35
p 35
Debit versus credit
p 44
p 44
Find treasure in your attic
p 71
p 71
AUGUST 2013
Put some certainty in your retirement with
a monthly income stream.
One simple investment gives you a predictable
stream of income for as long as you want — or as
long as you live.
Talk with a specialist today.
Call
866.469.0526
or visit
Fidelity.com/Income
.
Investing in a variable annuity involves risk of loss — investment returns, contract value, and for variable
income annuities, payment amount are not guaranteed and will fl uctuate. A contract’s fi nancial guarantees
are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.
Mobile
Before investing, consider the investment objectives, risks, charges and expenses of the annuity and its
investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available,
summary prospectus containing this information. Read it carefully.
Fixed income annuities available at Fidelity are issued by third-party insurance companies, which are not affi liated
with any Fidelity Investments company. These products are distributed by Fidelity Insurance Agency, Inc.
Fidelity Brokerage Services, Member NYSE, SIPC. © 2013 FMR LLC. All rights reserved. 610240.4.0
KIPLINGER’S
PERSONAL FINANCE
//
FOUNDED 1947
CONTENTS
VOL. 67
NO. 8
11
38
VALUE ADDED
Use funds to
invest in bonds, by
AHEAD
INVESTING
11
24
steven goldberg
.
Topic A: Treasury’s new option for
savers . . . Family borrowing for a
down payment . . . Knight Kiplinger
on money and ethics.
PLUS:
August
money calendar.
24
WHAT NOW FOR THE DOW
We
rate the holdings in the world’s most-
watched market gauge and make the
call—which stocks to buy, hold or sell.
42
PRACTICAL INVESTING
History says stick with stocks,
by
kathy kristof
.
32
MORE ABOUT INVESTING
Tax breaks for investors
(32)
. Add
Costco to your cart
(33)
. Apple lessons
(35)
. Kiplinger 25 update
(37)
. ETF
Spotlight
(4 0).
Fund rankings
(4 3)
.
30
A BIG YEAR FOR THE INCOME
25
Our top picks turned in stellar
results, and we’ve tweaked the roster
to keep it up.
16
MY POINT OF VIEW
Chill out
in a hot home market, by
knight
kiplinger
.
18
OPENING SHOT
Fewer trades,
more gains, by
34
GOING LONG
Bernanke got it
right, by
james k. glassman
.
jeremy j. siegel
.
MONEY
44
22
GAME PLAN
Should I roll over
old 401(k)s into an IRA? by
36
CASH IN HAND
Income-stock
bubble? No way, by
44
CREDIT OR DEBIT: PICK YOUR
PLASTIC
For disciplined spenders,
credit cards offer plenty of perks. But
sandra
jeffrey r.
block
.
kosnett
.
1
08/2013 KIPLINGER’S PERSONAL FINANCE
KIPLINGER.COM
CONTENTS
Log On
if you need help setting limits, a debit
card may be just the thing.
Save big on your next vacation by visiting one of our
ten budget-friendly cities that rival some pricier locations.
kiplinger.com/links/vacation
48
INSURANCE YOU DON’T NEED
We look at five common policies and
suggest better ways to protect yourself.
50
RETHINKING RETIREMENT
Choosing your home turf, by
jane
bennett clark
.
52
ASK KIM
Kimberly Lankford tells
how to expedite a storm-damage
insurance claim.
51
MORE ABOUT YOUR MONEY
Travel insurance
(51)
. Home-price
estimates
(53)
. Save on car coverage
(53)
. New student-loan rules
(54)
.
Yields and rates
(55)
.
LIVING
56
56
RETIRE WHERE YOU WANT
If
you’re looking to live well for less, you
may be thinking of relocating to a place
overseas that’s warm and sunny. Or
perhaps your idea of the great escape
is a cabin in the woods
(6 4)
.
PLUS:
Eight
great places to retire abroad
(60)
.
WHAT YOU’LL FIND ONLY ONLINE
ROLL OUT THE PORK BARREL
Supplies for beer makers in New
Hampshire. Public TV for foreign countries. Our slide show finds plenty
of fat to trim from the federal budget.
kiplinger.com/links/waste
68
DRIVE TIME
Best cars for young
drivers, by
jessica anderson
.
FINANCIAL HELP FOR MILITARY FAMILIES
Kim Lankford, herself
a military spouse, recommends ten special financial benefits to help
servicemembers and their families during and after deployment.
kiplinger.com/links/militarybenefits
70
TECH
Where to put your pics,
by
jeff bertolucci
.
71
THE LOWDOWN
What you
need to know about collectibles,
by
WHAT $300K BUYS YOU NOW
From a cozy studio apartment in New
York City to a spacious, four-bedroom Victorian home in Omaha, see
how far your housing dollar stretches in markets across the country.
kiplinger.com/links/300homes
patricia mertz esswein
.
72
3 SIMPLE STEPS
X-ray your
portfolio.
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IN EVERY ISSUE
4
FROM THE EDITOR
When the
kids move back.
HOW TO REACH US:
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.
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M
. central time,
closed on Sunday. You can also write to Kiplinger’s Personal Finance, P.O. Box 3292, Harlan, IA 51593-0472, or e-mail us
(sub.services@kiplinger.com).
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8
LETTERS
ON THE COVER:
Photograph by Mike Ford/
Gallery Stock
2
KIPLINGER’S PERSONAL FINANCE 08/2013
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