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LIVING 62 great deals on practically everything We’ve got it all: from discounts on data plans to deals on fuel-efficient cars to savings on kitchen remodels, overseas travel and diamonds. plus: Three fab freebies.
70 drive time Make your car smarter, by David Muhlbaum.
71 the lowdown What you need to know about warranties, by Kimberly Lankford.
72 then and now His retirement will pay dividends.o
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INVESTING//COVER 42 earn up to 11% The Fed’s nudge to short-term interest rates didn’t budge most rates for savers past 1%. But with little risk, you can ratchet up your yield to 3% or 4%. And if you’re willing to go out on a limb, you could earn 6%, 7% and even 11% on your money.
53 six great dividend stocks for retirees Count on these stocks to provide an attractive yield right away. But we also like them because they promise steady dividend growth.
52 practical investing A biotech giant goes on sale, by Kathy Kristof.
56 going long A positive U.S. outlook, by Jeremy J. Siegel.
60 income investing Why I stand by muni bonds, by Jeffrey R. Kosnett.
58 more about investing News of the Kiplinger 25 (58). Fund rankings (61).
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06/2016 Kiplinger’s personal Finance
AHEAD 13 Topic A: Quick-loan apps streamline personal lending . . . A tool to decode privacy policies . . . Cheap tickets without waiting in line . . . Beware bogus rentals on Craigslist . . . Knight Kiplinger on money and ethics.
18 opening shot Buy small and buy cheap, by James K. Glassman.
22 success story Her power bars are a tasty two-fer, by Patricia Mertz Esswein.
kIpLINGER’S personal finance // founded 1947 VOL. 70 NO. 6
contents
IN EVERY ISSUE 8 from the editor Savers still feel the
pain. 10 letters Why women succeed.
MONEY 24 special report: what women need to know about money An uneven work history with breaks to care for family members can leave women with less income in retirement. Our strategies for managing money, saving for the future and planning for retire-ment can make all the difference and ensure financial security.
32 make money as a landlord Rents are rising and mortgage rates are still cheap. All you need to do is find the right property.
37 protect your vacation Planning a dream trip? A travel insurance policy is worth the expense if unforeseen events intrude. Just be sure you get
the most comprehensive coverage at the best price.
36 ask kim Avoid extra fees overseas.
39 more about your money Travel etiquette (39). Inside scoop on hotels (39). Big-box store credit cards (40).
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Kiplinger’s personal Finance 06/2016
KIPLInGeR.COMLoG on & exPLoRe
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 kiplinger.com/customerservice or call 800-544-0155, Monday through Friday between 7 a.m. and midnight, Saturday between 8:30 a.m. and 7 p.m., and Sunday between 10:30 a.m. and 7 p.m. You can also write to Kiplinger’s Personal Finance, P.O. Box 62300, Tampa, FL 33662, or e-mail us (personalfinance@ customersvc.com). Reprints. PARS International Corp. (212-221-9595, ext. 237; e-mail, [email protected]). Content licensing. E-mail [email protected]. 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.
Kiplinger’s Economic Outlooks Stay ahead with exclusive forecasts of inflation, GDP, jobs and more.
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QuIz YouRseLf test Your Retirement IQ
What’s the biggest threat to a comfort-able retirement? Ignorance.
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tooL sort top-Performing Mutual funds
Compare returns and fees for leading funds in 12 categories.
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12 Stocks to Earn Dividends Every Month Collect by selecting stocks that pay on the right schedule.
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5CREDIT & DEBT
1. reasons You Will never Get out of debt
2. Great credit unions anyone can Join
3. overlooked credit card perks
4. 8 Things not to Keep in Your Wallet
5. Best rewards credit cards
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kiplinger.com/links/creditunions
kiplinger.com/links/creditperks
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kiplinger.com/links/rewards
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onLIne stoRe Kiplinger’s Retirement Planning 2016 We show you how to make the most of your 401(k), get the biggest benefit from Social Security, build a secure retirement, save on health care and more.
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inTeracT
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DAVID MuHLBAuM
@DaveyDog
kiplinger.com/ links/smallstocks
Anne KAtes sMItH
@AnneKatesSmith
Blue chips aren’t your only source of great
yields. Plenty of small-company stocks offer
enticing dividends.
sMALL stocKs wItH BIG PAYouts
Mark your calendar for our next free live chat, on June 16, 9 a.m. to 5 p.m.
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20 Amazing Ways Life Will Be Different in 2030The Kiplinger Letter forecasts incredible developments that will change the way you eat, sleep, shop and much more.
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