Kiplinger's Personal Finance - April 2015

[Pages:2]contents kiplinger's personal finance // founded 1947

VOL. 69 NO. 4

AHEAD

13 Topic A: Uncle Sam takes aim at savings . . . An update for A Random Walk . . . Micro units put a new twist on city living . . . Wireless customers get refunds for sneaky fees . . . Knight Kiplinger on money and ethics. plus: April money calendar.

20 success story Nourishing a homegrown idea, by Patricia Mertz Esswein.

21 opening shot Why I'm still bullish on bonds, by James K. Glassman.

24 your mind and your money The folklore of finance, by Anne Kates Smith.

INVESTING // COVER

26 Cash In on these megatrends

The future promises to deliver self-

driving cars, ever-improving robotics

and dramatic health care breakthroughs.

Investing in these cutting-edge tech

nologies can yield huge rewards, but it's

not for the faint of heart. We've identi-

fied 13 companies in the forefront of

five trends that could have an enormous

20

impact on our world.

38 etfs you don't need Exchangetraded funds can be great ways to invest. But some are too risky, too complicated or just plain dumb.

36 going long Europe's latest game plan, by Jeremy J. Siegel.

42 practical investing Make your losers pay off, by Kathy Kristof.

44 income investing Four places to park your cash, by Jeffrey R. Kosnett.

35 more about investing Three energy stocks to buy now (35). News of the Kiplinger 25 (37). Mutual fund rankings (45).

On the cover: Photo-illustration by Colin Anderson

MONEY

46 merging your lives When you start a relationship later in life, does it make sense to marry? For many, the answer depends on the financial consequences.

52 best of the online banks Our top picks for checking and savings accounts have low fees and high yields.

56 last-minute tax savers There's still time to trim your tax bill.

55 rethinking retirement Retire on the road, by Jane Bennett Clark.

62 Ask kim Track down unclaimed assets, by Kimberly Lankford.

59 more about your money Signing up for Medicare (59). Banks free up your FICO score (63).

LIVING

64 Let it go Downsizing from a singlefamily home to a condo? Just want to cut the clutter? Getting rid of excess stuff can make your life simpler. But to do it right, you need patience and maybe some help from the pros.

70 the lowdown What you need to know about funding IRAs, by Carolyn Bigda.

IN EVERY ISSUE

4 from the editor The second time around.

11 letters Valuable college advice.

72 3 simple steps Pick a health care proxy.

Dave Lauridsen

1

04/2015 Kiplinger's Personal Finance

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Most Overlooked Tax Deductions

Millions of taxpayers overpay the IRS each year because they miss a deduction they could have taken. Discover dozens of frequently overlooked tax breaks for retirees, parents, new grads and others.

5 CREDIT & DEBT FEATURES

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

outlooks

Dividend Stocks for Bear Markets These dividend payers have a history of weathering hostile markets.

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1. 8 Things Not to Keep in Your Wallet links/wallet

2. How to Change Your Name After Marriage links/namechange

3. 7 Great Credit Unions Anyone Can Join links/creditunions

4. Habits of People With Excellent Credit links/credithabits

5. How to Get a Free FICO Score links/score

Quiz Yourself Is It Taxable?

Raffle winnings? Alimony payments? Lawsuit settlements? Take our quiz to learn when you owe Uncle Sam.

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INTERACT

FROM TOP: (3); lise metzger (3)

tool Tax Withholding Calculator

Our easy-to-use tool helps you pocket more of your paycheck all year long.

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Online store Retire Rich!

11 COSTLY MEDICARE MISTAKES TO AVOID

Kim Lankford helps you avoid frequent flubs that can cost you money and entangle you in red tape.

BEST CARS OF

THE CASE FOR BUYING

THE 21ST CENTURY FOREIGN STOCKS NOW

These vehicles have won Columnist Steve Gold-

our Best New Car Values

berg tells investors it's

awards time and again.

time to look abroad--to

Today's models are bet-

where the values are.

ter than their forebears.

Knight Kiplinger's 10 Steps to a Richer Retirement is packed with trustworthy advice, guidance, worksheets and checklists to help you plan for and enjoy a comfortable and secure retirement.

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KIM LANKFORD

askkim@

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JESSICA ANDERSON

@JandersonDrives

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.

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STEVE GOLDBERG

@Kiplinger

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