Kiplinger's Personal Finance - August 2015

[Pages:2]CONTENTS KIPLINGER'S PERSONAL FINANCE // FOUNDED 1947

VOL. 69 NO. 8

35 MORE ABOUT YOUR MONEY Credit unions for everyone (35). Where to get the best deal on a student account (44).

INVESTING

46 10 GREAT STOCKS FROM AROUND THE

WORLD Taking advantage of the global economy means not limiting your investments to domestic stocks. We pick among top U.S.-based and overseas firms that have worldwide reach.

52 IS A ROBO ADVISER RIGHT FOR YOU?

Brokerage giants Vanguard and Schwab have joined Web sites offering PC-generated investing plans. Whether an instant portfolio works for you

depends on your age and objectives.

55 GOING LONG Bursting the bubble talk, by Jeremy J. Siegel.

58 PRACTICAL INVESTING Beware newsletter hype, by Kathy Kristof.

61 INCOME INVESTING A municipal bond sideshow, by Jeffrey R. Kosnett.

IN EVERY ISSUE

6 FROM THE EDITOR Best advice for kids. 10 LETTERS Your cover made me smile. 72 THEN AND NOW Life after Katrina.

AHEAD

13 Topic A: Get a college degree courtesy of your boss . . . Knight Kiplinger on money and ethics. PLUS: August money calendar.

20 SUCCESS STORY Helping girls get a head for tech, by Patricia Mertz Esswein.

21 OPENING SHOT Investing in a tepid economy, by James K. Glassman.

64

MONEY // COVER

26 PICK YOUR DREAM PLACE TO RETIRE No matter whether you prefer east or west, north or south, a quiet, sundrenched beach or a bustling city center, our top 10 choices offer something for everyone.

36 RAISING MONEY SMART KIDS Editor Janet Bodnar draws on her experience to distill eight foolproof guidelines for teaching children to manage money.

40 LIFE INSURANCE FOR YOUR STAGE OF

LIFE The policy you bought when your kids were born may not be right when they go off to college. And you could drop your coverage when you retire.

56 MORE ABOUT INVESTING Spinoffs that should pay off (56). ETF Spotlight (60). News of the Kiplinger 25 (62). Mutual fund rankings (63).

LIVING

64 SOLAR HEATS UP Cheaper solar panels and flexible financing have made buying a home solar system more affordable. Or lease a system and save without the maintenance hassles.

69 TECH Clearing the cloud cover, by Jeff Bertolucci.

71 THE LOWDOWN What you need to know about class-action suits, by Kaitlin Pitsker.

70 MORE ABOUT LIVING Volunteer vacations (70).

24 YOUR MIND AND YOUR MONEY It's okay to spend, by Anne Kates Smith.

39 ASK KIM Cut prescription drug costs,

by Kimberly Lankford.

ON THE COVER: Danita Delimont/Getty Images

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08/2015 KIPLINGER'S PERSONAL FINANCE

MATTHEW MAHON/REDUX

 LOG ON & EXPLORE

Plan to Build, Protect Your Wealth

Explore Kiplinger's new Wealth Creation channel, a special collection of content for financial professionals and individual investors.

5 TOP VIDEOS

links/wealth

Kiplinger's Economic Outlook Stay ahead with exclusive forecasts of inflation, GDP, jobs and more.

outlooks

Smart Midyear Tax Moves Take steps now to limit what you'll owe the IRS for 2015.

links/midyear

QUIZ YOURSELF Student Loan Savvy

Our new quiz helps you limit and manage your college debt.

links/studentloans

INTERACT

1. 3 Things Not to Buy at Walmart links/walmart

2. Are Social Security Benefits Taxable? links/benefitstax

3. Biggest Tax Surprises for Retirees links/taxsurprises

4. Tax Breaks Overlooked by New Retirees links/retireesoverlook

5. Worst College Majors for Your Career links/badmajors

TOOL Tax Withholding Calculator

See how much you can add to your paycheck starting next payday.

links/withholding

ONLINE STORE Boomer's Guide to Social Security

Save 67% on our updated guide to Social Security, written especially for the baby-boom generation. Make the most of your Social Security benefits!

go/boomer

WHEN YOU STAY ON THE JOB AFTER 70 Kim Lankford explains

how age and employment status affect your IRA

contributions and required minimum distributions.

WHEN TO HOLD 'EM, WHEN TO FOLD 'EM

Your patience with a struggling mutual fund

in your investment portfolio can pay off. Except when it doesn't.

links/after70

links/whentosell

KIMBERLY LANKFORD

askkim@

STEVE GOLDBERG

@kiplinger

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 62300, Tampa, FL 33662, 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 62300, Tampa, FL 33662 and instruct us to exclude your name.

JUMP-START YOUR RETIREMENT PLAN Mark your calendar for our free live chat with NAPFA planners on September 17, 9 A.M. to 5 P.M., to get answers to your most

pressing retirementplanning challenges.

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