Kiplinger's Personal Finance - July 2014
CONTENTS KIPLINGER'S PERSONAL FINANCE // FOUNDED 1947
VOL. 68 NO. 7
AHEAD
52
11 Topic A: Vacation homes on sale . . . Some employers loosen limits on leave . . . Knight Kiplinger on money and ethics. PLUS: July money calendar.
18 OPENING SHOT Why I (still) hate gold, by JAMES K. GLASSMAN.
21 SUCCESS STORY Making a difference in the classroom, by PATRICIA MERTZ ESSWEIN.
INVESTING // COVER
24 WHERE TO PUT YOUR MONEY NOW At five years and counting, the bull is facing some midlife challenges. We tell you how to adjust your stock holdings to make the most of this mature market. PLUS: The outlook for foreign markets and five things that could signal the bull's demise.
32 FIVE STOCKS LATE TO THE PARTY Investors have given these companies the cold shoulder. But we think they deserve your attention.
34 BEST OF THE ONLINE INVESTMENT ADVISERS We evaluate seven low-fee firms that match fund-based portfolios to your goals. Some of them will even do the trades for you.
36 PROMISED LAND I hit a 50bagger. Now what? by ANDREW
FEINBERG.
38 CASH IN HAND The bond rally isn't over, by JEFFREY R. KOSNETT.
40 PRACTICAL INVESTING Flash! Ignore the traders, by KATHY KRISTOF.
39 MORE ABOUT INVESTING ETF Spotlight (39). Fidelity Magellan recharts its course (41). News of the Kiplinger 25 (42). Fund rankings (43) .
MONEY
LIVING
44 MAKING IT IN THE MIDDLE CLASS We profile one family juggling the costs of homeownership, raising young children and saving for retirement. PLUS: Tax breaks for the middle class.
52 FIXES FOR YOUR HEALTH INSURANCE Getting covered is only half the battle. We tell you how to meet the challenges of higher costs and shrinking networks.
64 DREAM VACATIONS Whether you crave an escape for two, a chance to do good, a family getaway or an exotic cruise, we're here to help make it real.
70 TECH The iPad goes to the office, by JEFF BERTOLUCCI.
71 THE LOWDOWN What you need to know about free e-courses, by JESSICA ANDERSON.
58 CASH IN ON THE SHARING ECONOMY Ditching pricey hotel rooms and taxi rides can save you a bundle. Or you might make money on the side as a service provider.
51 ASK KIM How to pick the best travel rewards cards.
72 3 SIMPLE STEPS Reshopping your car insurance.
IN EVERY ISSUE
6 FROM THE EDITOR Advice for the middle class.
9 LETTERS
57 MORE ABOUT YOUR MONEY Yields and rates (57). Midyear tax planning (62). Money manners (63).
ON THE COVER: Photograph by Ann Elliott Cutting. Stylist: Emerald Perkins. Hair and makeup: Shawna Clark. Model: Monica Allgeier CESD. Bull: Brad Wilson/ Getty. Bear: .
3
07/2014 KIPLINGER'S PERSONAL FINANCE
POON WATCHARA-AMPHAIWAN
LOG ON & EXPLORE
Earn Extra Cash
From side jobs to selling unwanted stuff, we found 25 easy ways to put money in your pocket.
5 TOP
CAREER FEATURES
Kiplinger's Economic Outlook Stay ahead with exclusive forecasts of inflation, GDP, employment, more.
outlooks
links/extracash
Cheap Vacations Want to see the world on a budget? Check out these eight destinations you can afford. links/vacations
1. Best College Majors for Your Career links/bestmajors
2. Worst Jobs for the Future links/worstjobs
3. How Sharp Are Your Job-Hunting Skills? links/sharp
4. Best Jobs for the Future links/bestjobs
5. Jobs You Can Get Without a Degree links/nodegree
QUIZ YOURSELF Are You Ready to Retire?
Test your knowledge of retirement planning to see if you're on track.
links/retire
INTERACT
TOOL Tax Audit Risk Calculator
Find out the odds that the IRS will pluck your return from the pile.
links/audit
ONLINE STORE Kiplinger's Retirement Planning Guide 2014
Our experts show you how to maximize your 401(k), get the most from Social Security, protect your estate, ensure affordable health care and more!
go/retirekip
GET GREAT STUFF FREE Love freebies? So does Cameron. She shares her latest finds online. If you have a favorite freebie,
let her know.
links/freebies
CAMERON HUDDLESTON
@CHLebedinsky
PREPARE FOR STORM SEASON Summer can bring hail, hurricanes, tornadoes and floods. Here's how to protect your home and
your finances.
links/storm
KIM LANKFORD
askkim@
HOW TO REACH US: Subscriptions. For inquiries about ordering, billing or renewing a subscription, or to report address changes, please have your mailing label handy to reference your account number and visit us online at customerservice or call 800-544-0155, Monday through Friday between 7 A.M. and 9:30 P.M. and Saturday between 8 A.M. and 6 P.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@). Reprints. PARS International Corp. (212-221-9595, ext. 237; e-mail, jennifer.eclipse@). Content licensing. E-mail licensing@ . Mailing lists. From time to time we make our subscriber list available to carefully screened companies whose products may be of interest to you. If you would rather not receive such solicitations, send your mailing label to P.O. Box 3292, Harlan, IA 515930472 and instruct us to exclude your name.
SIMPLE IDEAS THAT MADE MILLIONS
A winning business idea need not be complicated
to be successful. For proof, look no further
than the Snuggie.
links/simple
ANDREA BROWNE
@ANBrowne
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