Kiplingers Personal Finance - February 2014, Tygodniki, prasa, magazyny, Tygodniki, prasa, magazyny
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CONTENTS
KIPLINGER’S
PERSONAL FINANCE // FOUNDED 1947
VOL. 68 NO. 2
AHEAD
11
Topic A: Expect another modest pay
raise in 2014 . . . Balance-transfer
credit card deals make a comeback . . .
Knight Kiplinger on money and ethics.
PLUS:
February money calendar.
16
OPENING SHOT
Build your own
hedge fund, by
JAMES K. GLASSMAN
.
20
GAME PLAN
Make sure you
don’t owe the IRS a bundle at tax time,
by
SANDRA BLOCK
.
INVESTING
22
INVESTOR BEWARE
Average
investors can now put their money into
speculative real estate deals or even an
athlete’s future earnings. Getting your
money out is another story. We tell you
what you need to know to keep from
getting burned.
PLUS:
Crowd funding
for intangible rewards.
64
63
MORE ABOUT YOUR MONEY
Yields and rates
(6 3)
.
MONEY/COVER
27
8 GREAT LOW-PRICED
STOCKS
Shares with bargain prices
can come with risks, but they have the
potential for great rewards.
41
INSIDER TIPS FROM THE
PROS
LIVING
We asked two dozen experts
in investing, travel, insurance, credit
and more to tell us what they do with
their own money, as well as the advice
they’d give to family and friends.
64
CHOOSE A CRUISE
These days,
there’s a voyage for every kind of vaca-
tioner, whether you’re looking for ad-
venture, culture or family fun.
PLUS:
Four myths about cruises debunked.
31
GOING LONG
Is the market
rational? by
JEREMY J. SIEGEL
.
34
CASH IN HAND
It’s okay to take
some risks, by
JEFFREY R. KOSNETT
.
51
INSIDER INTERVIEW
Erskine
Bowles is on a mission to rein in our
nation’s debt.
69
TECH
Snapshot shootout, by
JEFF
BERTOLUCCI
.
36
PRACTICAL INVESTING
I do
not like investing spam! by
K ATHY
KRISTOF
.
70
THE LOWDOWN
What you
need to know about home heating,
by
PATRICIA MERTZ ESSWEIN
.
56
BEST VALUES IN PUBLIC
COLLEGES
The University of North
Carolina at Chapel Hill retains the top
spot in our rankings.
30
MORE ABOUT INVESTING
Stocks for romantics
(3 0)
. ETF Spotlight
(32)
. Protect against rising rates
(37)
.
Cisco drops a bombshell
(37)
. Mutual
fund rankings
(38)
. News of the Kip-
linger 25
(39)
.
72
3 SIMPLE STEPS
Cash in unused
gift cards.
50
RETHINKING RETIREMENT
Close the bank of Mom and Dad, by
JANE BENNETT CLARK
.
IN EVERY ISSUE
6
FROM THE EDITOR
The inside
scoop on money.
54
ASK KIM
If your health improves,
ask your insurer for better rates.
ON THE COVER
Photograph by Geof Kern
9
LETTERS
3
02/2014 KIPLINGER’S PERSONAL FINANCE
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