NEWS: KIPLINGER
Setup News Ticker
   NEWS: KIPLINGER
Kiplinger
Jun 26, 2019

When Your Credit Card's Travel Insurance Coverage Isn't Enough
Many credit cards offer travel insurance as a perk, but the limited coverage may not be adequate if you are taking an expensive trip.

Kiplinger
Jun 26, 2019

7 Midyear Moves Retirees Can Make to Trim 2019 Tax Tabs
As July Fourth nears, there are fireworks to enjoy and cookouts to attend. But in the midst of all the celebrating, assess where you stand with Uncle Sam halfway through the tax year. "It's a good time to do a status check," says Tim Steffen, director of advanced planning for Baird. Consider maneuvers that can shave your tax tab for 2019 as well as over the longer term.

Look to 2018 for guidance. "Review the outcome of that return," says certified public accountant Robert Westley, a member of the American Institute of CPAs' Personal Financial Specialist Committee. This year's tax rules are similar to last year's; you'll need to factor in thresholds and limits that are adjusted annually, which should help keep more of your money in your pocket in 2019. Since many tax-reform changes remain in effect through 2025, any longer-term moves could be considered within the same framework.

SEE ALSO: Best States to Retire 2018: All 50 States Ranked for Retirement

Kiplinger
Jun 26, 2019

Focus on Protecting Your Nest Egg Once You're Retired
How much do you really need to earn on your investments once you retire? Figure it out, and then don't take one more iota of risk than necessary.

Kiplinger
Jun 26, 2019

Updates That Can Help You Fall in Love With Your Home All Over Again
Enjoy the benefits of refreshing your home years before you decide to sell by picking the right projects. You'll be happier now, and your future buyer will be impressed down the road.

Kiplinger
Jun 25, 2019

Cheap CEFs: 7 Closed-End Funds With Unusually Low Fees
Investors looking for a high income stream often balk at closed-end funds (CEFs) because of their higher fees.

CEFs' average annual fees sit at 1.09% (or $109 for every $10,000 invested), according to CEF Insider data, though it's not unusual to see fees in the 3%-4% range. While it's not a perfect comparison, Morningstar data shows that the asset-weighted average fee for mutual funds and exchange-traded funds (ETFs) in 2018 was just 0.48%. And many ETFs are far cheaper than that - SoFi even launched a pair of "zero-fee" funds in April.

Fees matter because they directly impact returns. "The higher the fee, the higher the hurdle for the ETF or mutual fund to keep up with their respective benchmark," says Brian Parker, co-founder and managing director of EP Wealth Advisors in Torrance, California. Fail to keep up with that benchmark, and investors lose. High-cost funds can cost investors literally tens of thousands of dollars not just in the returns themselves, but opportunity cost (you have less money to reinvest and grow over time).

However, it occasionally pays to pay more. CEFs, for instance, deliver sky-high yields several times more than the average ETF yield - a boon for income investors who simply want to sit and collect checks over a long period of time rather than sell off assets to register returns. At the same time, you don't need to tolerate absurdly high fees, especially from funds that don't perform.

With that in mind, here are seven cheap CEFs to buy. Each closed-end fund boasts annual expenses below the CEF average.

SEE ALSO: The 10 Best Closed-End Funds (CEFs) for 2019

Kiplinger
Jun 25, 2019

Great Places to Retire Early Near the Beach
Lazing about the beach is a common retirement dream, but expensive oceanfront housing costs are often a big wake-up call. Then again, America is filled with great beachfront destinations from sea to shining sea and all the places in between. Far from the coasts, you can find desirable metro areas that offer access to freshwater beaches on lakes and rivers, so you still get to feel the sun on your face and the sand between your toes, but often at more affordable prices than you'll encounter in popular coastal retirement cities.

We pinpointed great places for early retirement in each state, taking into account living costs, median incomes and poverty rates for residents ages 45 to 64, as well as local labor markets (in case you want to keep hustling in one way or another in your early retirement) and tax situations. Of our 50 picks, 28 great places to retire across the U.S. offer the added benefit of nearby beaches, within a 30-minute drive, where you can swim and bum around. The mix of beach-adjacent early retirement destinations is sure to surprise you.

SEE ALSO: All 50 States Ranked for Retirement

Kiplinger
Jun 25, 2019

The Safest Used Cars for $20,000 or Less
Shopping for a used car? Want it to be as safe as possible? Here's the hitch: The absolute safest vehicle is almost always a brand-new model.

Each year, the latest cars boast more-effective active safety systems (such as automatic braking) as carmakers look to match evolving testing standards from the Insurance Institute for Highway Safety (IIHS). Newer models also often have invisible structural improvements to aid performance in tests meant to closely simulate real-world collisions (such as hitting a utility pole). Headlight technology is advancing as well. So newer, and thus more expensive, generally means safer.

Don't despair, though. Many of these features are available on vehicles selling for $10,000 to $20,000. We worked with IIHS's annual rankings and value data from CarGurus.com to identify the safest models in that price range. Our quest was safety first, but not safety only: We looked for cars that enjoy good reputations for reliability and are popular choices in their segments. Take a look.



Kiplinger
Jun 25, 2019

2020 Election: Tax Plans for All 24 Democratic Presidential Candidates
Who will face President Trump in the 2020 election? So far, 24 Democrats have thrown their hat into the ring. However, once the first round of Democratic primary debates is over (June 26 and 27), expect a few candidates to drop out or fade away. (Four challengers--Steve Bullock, Mike Gravel, Wayne Messam and Seth Moulton--did not qualify for the first debates.) However, before that happens, let's take a look at what all 24 Democratic candidates have to say about an important campaign issue: taxes.

The Democratic party is moving to the left, and party voters want to know how each candidate will address income inequality as president. That means pushing progressive ideas on job creation, health care, higher education and other economic issues. Tax policy has to be part of the equation, too. Any broad new social programs will have to be paid for somehow, and that usually means tinkering with the tax code. Some candidates have big, bold tax plans, while others have ideas that are more modest and piecemeal. The voters will ultimately decide which path is best. It'll be months before the first Democratic primary ballot is cast, but it's not too early to start thinking about who will get your vote. When it comes to taxes, here's what all 24 Democratic primary challengers (in alphabetical order) are proposing. Start brushing up now, so you'll know who to vote for when the time comes.

SEE ALSO: Ranking the Top Democratic Presidential Candidates for 2020

Kiplinger
Jun 25, 2019

Taxes on Fireworks: Is Your State a Dud?
A handful of states impose special excise taxes on the sale of consumer fireworks.

Kiplinger
Jun 25, 2019

4 Things You Should Know Now to Save on Taxes Later
Every money move you make (or that you fail to make) has potential tax consequences, either now or down the road. Take some actions today to put yourself in a better position for the long term.

Kiplinger
Jun 25, 2019

Managing Your Monetary Workforce
You are the CEO of your financial world. As such, you should be actively managing your money team members, shuffling them around to the spots where they will serve you the best ... now and in the future.

Kiplinger
Jun 24, 2019

Hedge Funds' 25 Favorite Blue-Chip Stocks
Always keep one eye on the so-called smart money. Yes, hedge funds don't always live up to the hype, and they're renowned for charging an arm and a leg. But considering they represent more than $3 trillion in assets under management and have built a reputation of having stock-market savvy, it's good to know what they're putting their capital toward - and they're often putting it toward blue-chip stocks.

The folks at WalletHub keep regular tabs on stocks that hedge fund managers are buying, selling and holding every quarter. Combing through regulatory filings, WalletHub looks at the positions of more than 400 hedge funds, tallies their positions in individual stocks, then ranks those stocks by their total holdings value.

These stocks are massive in market value, ranging from the hundreds of billions of dollars to more than $1 trillion. Indeed, their very size helps attract more institutional interest. Unsurprisingly, then, most of these stock picks are household names - a number happen to belong to Warren Buffett's Berkshire Hathaway portfolio.

Here are hedge funds' 25 favorite blue-chip stocks to buy now. All these stocks likely appeal to the "smart money" because of their size and strong track records. But we'll delve into a few specifics that make each company special.

SEE ALSO: The 19 Best Stocks to Buy for the Rest of 2019

Kiplinger
Jun 24, 2019

Five Common Pitfalls of Sudden Wealth
Coming into a large amount of money, especially when it arrives in the form of an inheritance, can trigger a wave of emotions. If you're not prepared, you could make some bad moves.

Kiplinger
Jun 24, 2019

The Elephant in the Room: Your Adviser Is Getting Paid
To understand how much your adviser is really getting paid, you have to ask the right question. Once you get the answer, take the value they bring to the table into account, as well.

Kiplinger
Jun 21, 2019

So, You Want to Start a Foundation? Great!
Charitable aspirations are commendable, but good intentions alone aren't enough when dealing with the complexities and legalities of setting things up and accepting contributions. Here are some points to consider.

Kiplinger
Jun 21, 2019

Should You Help Your Grandchild Buy a Car?
Before you whip out your wallet or write a check (and, yes, there could be some good reasons to contribute to the purchase), grandparents should ask some serious questions about money and safety.

Kiplinger
Jun 21, 2019

What You Need to Know About the Shadow Banking System Now
There's a chance that you may have a loan with a "shadow bank" and not even know it. What exactly are shadow banks, and what risks and rewards do they represent?

Kiplinger
Jun 20, 2019

10 Growth ETFs to Buy for Backside Protection, Too
Growth exchange-traded funds (ETFs) are as straightforward as they sound: They're portfolios of growth stocks.

By definition, a growth stock is any company with an above-average growth profile. In other words, they are companies whose revenues and earnings are expanding faster than the market average. They also often pay little or no dividends, opting instead to reinvest their cash flow in the business to maintain their growth.

But they have their pitfalls; namely, when growth slows. Recently, outdoor gear maker Canada Goose (GOOS) lost more than 30% of its value in a single day after reporting lower-than-expected fourth-quarter earnings. Although revenues rocketed 40% higher year-over-year and profits jumped 20%, it still marked the company's slowest growth in eight quarters, prompting fears its tremendous growth was coming to an end. Whether that's true is up for debate. But if you owned GOOS stock, you couldn't have been pleased about the one-day plunge.

This is why owning growth ETFs makes so much sense. By diversifying your growth-stock holdings through a fund, you're protecting your downside.

Here are 10 growth ETFs to buy if you want to cut back on the risk of owning individual shares.

SEE ALSO: The 19 Best ETFs for a Prosperous 2019

Kiplinger
Jun 20, 2019

For Every Investment, There Is a Season, So Tend Your Portfolio with Care
Planting, fertilizing and pruning are all important parts of successful gardening, and these concepts apply aptly to investing and saving for retirement, too.

Kiplinger
Jun 20, 2019

As a 30- or 40-Something, Can You Count on Social Security?
In all likelihood, some kind of program will probably still exist when you retire. But, if you're worried, there's something you can do right now: Start planning as if Social Security is doomed.

Kiplinger
Jun 19, 2019

5 Top-of-the-Line T. Rowe Price Mutual Funds
T. Rowe Price (TROW) employs more than 600 investment professionals who manage nearly $1.1 trillion for investors in 49 countries. But when you visit the Baltimore headquarters, you still get a feel of the firm as a small, collegial group that enjoys working together.

The secret to T. Rowe Price's success, in my view, is its sterling corporate culture. This is a company with character. The average investment pro has 22 years of experience; many remain with T. Rowe for their entire careers. All this - plus the products' above-average long-term returns and below-average expense ratios - makes T. Rowe mutual funds a good choice for investors.

The firm was launched in 1937 by Thomas Rowe Price Jr., who had a novel idea (at the time) that buying growth stocks - those with rising earnings and revenues - could be just as successful as value investing, which was ascendant during the Great Depression that followed the 1929 stock market crash.

The theory was sound, but the timing was awful. The T. Rowe Price investment firm didn't turn a profit until 1950 - the same year that it launched its first mutual fund, T. Rowe Price Growth Stock (PRGFX). The firm subsequently broadened its scope to include value stocks, foreign stocks and small-cap stocks, as well as bond funds. Since then, it has done quite well indeed.

Do you think index funds are the only way to invest? T. Rowe begs to differ. Indeed, 79% of its U.S. equity funds beat their benchmark over the past 10 years.

But which are the best T. Rowe Price mutual funds on offer? Here are my thoughts.

SEE ALSO: The 27 Best Mutual Funds in 401(k) Retirement Plans

Kiplinger
Jun 19, 2019

What is My Liability for a Data Breach?
If you're a business owner, you have got to be on guard against hackers. Don't just hope for the best, instead, assume the worst.

Kiplinger
Jun 18, 2019

How Much Can You Contribute to a Solo 401(k) for 2019?
Some self-employed savers can put away as much as $62,000 for retirement in a solo 401(k) in 2019, depending on age and compensation.

Kiplinger
Jun 18, 2019

How Much Can You Contribute to a SEP IRA for 2019?
The maximum SEP IRA contribution is $1,000 higher than the 2018 limit and is significantly more than can be saved for retirement in a regular IRA.

Kiplinger
Jun 18, 2019

Should You Supplement Your Traditional 529 with a Private 529 College Plan?
There are a few reasons to consider this strategy. One is if you think your child might want to go to a private school one day, and another is if you like a sure thing rather than taking investment risks.

Kiplinger
Jun 18, 2019

How to Know You're in the Retirement 'Red Zone'
You're counting down to retirement and you feel like you've got to be almost there, but unless you've accounted for these factors, you may not be as close as you think.

Kiplinger
Jun 17, 2019

The 19 Best Stocks to Buy for the Rest of 2019
The past year has been exciting, if not a little stomach-churning. A raucous 25% rally to start the year unwound a miserable last few months of 2018, but that big advance has been chopped by one-third just since the beginning of May.

Thus, when picking the best stocks to buy for the rest of 2019, you have to approach your selections with volatility - namely, avoiding it - in mind.

Maybe the year's second act will be a little less exciting and a little more consistent for investors than the first. But with Chinese trade relations in limbo, Brexit still in the air and uncertainty about the Federal Reserve's future plans for interest rates, calm is far from a guarantee.

To that end, here are the best stocks to buy for the rest of 2019. Not only are these stock picks a little less vulnerable to the volatility we've seen of late, but they each have solid backstories and/or fundamentals that should prove attractive if the hazy backdrop remains.

SEE ALSO: The Berkshire Hathaway Portfolio: All 48 Buffett Stocks

Kiplinger
Jun 17, 2019

How Much Can You Contribute to the Thrift Savings Plan for 2019?
Federal workers and military personnel can save up to $19,000 in TSP retirement accounts for 2019. Some savers can make additional catch-up contributions.

Kiplinger
Jun 17, 2019

How Much Can You Contribute to a SIMPLE IRA for 2019?
The maximum amount workers at small businesses can contribute to a SIMPLE IRA for 2019 is $500 higher than it was for 2018.

Kiplinger
Jun 17, 2019

50 Great Places for Early Retirement in the U.S.
Early retirement can be more than just a daydream for those long Tuesday afternoons at work. With some smart planning, you can make leaving the workforce early a reality. You just have to keep in mind the unique challenges facing early retirees.

First of all, entering retirement at a relatively younger age means needing to stretch your nest egg further (hopefully). One way to do that is to find the right retirement destination for you. That's because where you live makes a big impact on your budget, as it helps determine your living costs, tax bills and employment and income opportunities. Yes, you'll be retired, but still being young, you may actually want to keep working a bit, whether to help pad your budget, pursue some passion project or just to stay busy with some kind of structure.

With this in mind, we crunched the numbers in search of 50 great places--one per state--for early retirees to settle in, focusing on areas with lower living costs and favorable tax situations, both specifically for retirees. We also looked for places where the economy, typical household income and physical population are all in relatively good health. And we favored locations with high concentrations of residents ages 45 to 64, so you can enjoy early retirement with your peers. Take a look at the list of early-retirement cities.

See Also: All 50 States Ranked for Retirement

Kiplinger
Jun 17, 2019

Investing with a Conscience: The Rise of ESG and What Really Matters to Investors
Consumers are holding businesses to a higher standard, so how does that play out when it comes to investing?

Kiplinger
Jun 17, 2019

4 Steps to Effectively Transition or Sell Your Business
A succession plan takes commitment, but when done right, it should help you net a much better sales price for your business when the time comes.

Kiplinger
Jun 14, 2019

The Berkshire Hathaway Portfolio: All 48 Buffett Stocks
When folks think of the Berkshire Hathaway (BRK.B) portfolio and its collection of holdings, most of which were selected by Chairman and CEO Warren Buffett, the companies that most readily come to mind are probably American Express (AXP), Coca-Cola (KO) and, more recently, Apple (AAPL).

But a deep dive into Berkshire Hathaway's equity holdings reveals a more complicated picture.

Berkshire Hathaway held positions in 48 separate stocks as of March 31, according to regulatory filings with the Securities and Exchange Commission. But the portfolio of "Buffett stocks" isn't as diversified as the number might suggest. In some cases, BRK.B holds more than one share class in the same company. Some holdings are so small as to be immaterial leftovers from earlier bets the Oracle of Omaha has yet to completely exit.

And perhaps most importantly, Berkshire Hathaway's equity portfolio is actually pretty concentrated. The top six holdings account for almost 70% of the portfolio's total value. The top 10 positions comprise nearly 80%. Banks and airlines, to cite a couple of sectors, carry quite a load in this portfolio. Then there's the fact that several Buffett stocks actually were picked by portfolio managers Todd Combs and Ted Weschler.

Here, we examine each and every holding to give investors a better understanding of the entire Berkshire Hathaway portfolio.

SEE ALSO: 50 Top Stocks That Billionaires Love

Kiplinger
Jun 14, 2019

10 Financial Commandments for Your 30s
Your finances might have felt like a plague in your 20s, but thou shalt thrive throughout your 30s and beyond.

Our list of Financial Commandments for your 20s helped you find your financial footing and establish a solid foundation. Now that you're older and (hopefully) wiser, this list of goals will help you continue to build your wealth and blaze a path to financial security.

SEE ALSO: Knight Kiplinger's 8 Keys to Financial Security

Kiplinger
Jun 14, 2019

10 Financial Commandments for Your 20s
Thou shalt not be broke forever. It just may feel that way when you're first starting out on the road to financial independence.

Managing your finances for the first time can be overwhelming--what with the daily expenses, big-ticket costs such as housing and health care, heavy debts and long-term goals, including your ridiculously distant retirement. But the sooner you start making a financial plan for yourself, the brighter your future will be. "Building habits, especially in your 20s, is so important for long-term success," says John Deyeso, a financial planner in New York City, who works with a lot of younger people.

Here are the 10 things you should do in your 20s to take control of your finances:

SEE ALSO: Knight Kiplinger's 8 Keys to Financial Security

Kiplinger
Jun 14, 2019

Secure Act Calls for Changes to IRAs, RMDs
Nixing the age cap for contributions and raising the age to start required minimum distributions could affect workers, retirees and heirs.

Kiplinger
Jun 14, 2019

IRS Reform Bill: 12 Ways the IRS Would Be More Taxpayer-Friendly Under the Taxpayer First Act
Let's face it...the IRS isn't the most popular government agency out there. It's not just that they take your money. They also have a (undeserved?) reputation for tough stances on deductions and credits, aggressive tax collectors, poor customer service and generally being difficult if you happen to disagree with them.

Wouldn't it be nice to have a kinder, gentler IRS? You'd still have to pay your taxes, but at least you wouldn't have to deal with some of the IRS's rougher edges anymore. Well, guess what...Congress just passed a bill that would reform the IRS and make it a little more taxpayer-friendly. It's called the Taxpayer First Act, and it's now on President Trump's desk. Here are 12 ways the bill will improve the IRS's bad reputation if the president signs it.

SEE ALSO: All 50 States Ranked for Taxes

Kiplinger
Jun 14, 2019

Don't Be Fooled: 5 Steps to Help Avoid Financial Scams
Some savvy stay-safe tips to help protect yourself and watch out for family members at the same time.

Kiplinger
Jun 13, 2019

How Much Can You Contribute to a 457 Retirement Plan for 2019?
State and local government workers can contribute $19,000 to 457 plans for 2019. Some workers can make additional catch-up contributions.

Kiplinger
Jun 13, 2019

How Much Can You Contribute to a 403(b) for 2019?
Teachers and nonprofit workers can contribute $19,000 to a 403(b) for 2019, but catch-up contributions and employer contributions can further boost retirement savings.

Kiplinger
Jun 13, 2019

5 Safe Ways to Earn 3%
It seems like forever ago, but the average 12-month certificate of deposit (CD) used to yield well more than 5%.

In fact, prior to the tech wreck of 2000 - and the start of two decades of experimental monetary policy by the Federal Reserve - 5% would have been considered low. It wasn't usual to see CD yields over 10% in the 1980s. Those were the days!

It's unlikely that we'll ever see 10% CD rates again in our lifetimes. Even 5% would seem like a stretch in a world in which the average 12-month CD still yields less than 1% after more than three years of Fed rate hikes.

It's important to remember, though, that the high yields of the past came at a time of much higher inflation. At today's lower inflation rates, even a 3% yield allows you to stay well ahead of inflation. You're not getting rich quick at that yield, but it's respectable. And importantly, it can be done safely.

Today, we're going to look at five safe ways to pocket a yield of at least 3%. While you might want to push for a higher return on your long-term investment portfolio, you can consider these as options for your cash savings that you might need in the next one to five years.

SEE ALSO: 33 Ways to Get Higher Yields (Up to 12%!)

Kiplinger
Jun 13, 2019

What's Your Ticker Symbol IQ?


Kiplinger
Jun 13, 2019

Medicare Premiums Snafu Affects 250,000 Social Security Recipients
A software glitch could mean surprise bills for some seniors who owe unpaid Medicare Advantage and Part D plan premiums.

Kiplinger
Jun 13, 2019

Retirees: Go Ahead and Spend More in the Go-Go Years
To have a happy, successful retirement, you need to do more than maximize your return on investment, you need to maximize your return on time.

Kiplinger
Jun 13, 2019

Are You Forcing Unintended Consequences on Your Heirs?
Unless you take your heirs' wishes, taxes and interests into consideration in your plans, you could be committing some serious unforced errors with your estate.

Kiplinger
Jun 13, 2019

Is 4% Withdrawal Rate Still a Good Retirement Rule of Thumb?
We put the popular theory to the test using 30 years of real-world stock market returns. Here's what we found.

Kiplinger
Jun 12, 2019

12 Must-Have Items for Your Home Emergency Kit
The 2019 Atlantic hurricane season officially started on June 1. Forecasters from the National Oceanic and Atmospheric Administration (NOAA) are predicting a repeat of last year's season, with anywhere from nine to 15 named storms and between two and four that will be Category 3 or higher.

Last year, Hurricane Michael alone resulted in 39 deaths, the loss of power for 2.5 million people and $16 billion in damage when it hit Florida and Georgia in October 2018.

So it's time to get serious about being prepared. Could you and your family cope without power for an evening? What about for several days? Here's our list of 12 must-have items to keep in your home, an emergency kit for you and your family should a disaster such as a hurricane strike.

SEE ALSO: 19 Smart Ways to Prepare for a Financial Emergency

Kiplinger
Jun 12, 2019

The Hidden Struggle for Men Who Marry into Money
Being rich solves a lot of problems, but it can also create some. Marriage problems, for instance.

Kiplinger
Jun 11, 2019

13 Blue-Chip Stocks With Risks You Need to Watch
Every company faces headwinds at some point. Even the bluest of blue-chip stocks must tackle a serious threat from time to time.

Dangers can come from anywhere. They can be industrial accidents such as the 2010 Deepwater Horizon oil spill that cost BP plc (BP) nearly $65 billion in legal fees, settlements and cleanup costs as of 2018. There are technological squabbles, such as Apple's (AAPL) 2017 patent infringement lawsuit settlement with Nokia, which forced the iPhone maker to pay $2 billion upfront as well as ongoing royalties from iPhone sales. Pfizer (PFE) was weighed down considerably in 2011 as it was about to lose market exclusivity on its blockbuster cholesterol drug Lipitor - this so-called patent cliff is a frequent headwind for pharma stocks.

Some blue chips, such as Apple and Pfizer, take the hit and keep on chugging. Others, like BP, take much longer to recover - if they ever do.

You can get some insight into potential headwinds by reading the "Risk Factors" section of each company's annual 10-K filing. Companies are required to list, by order of importance, the most significant risks challenging future profits or stock performance. Some risks apply to the entire economy, some to that particular industry and a few are unique to that company.

Here are 13 blue-chip stocks that currently are navigating their way around a landmine or two. This isn't necessarily a list of stocks to sell, however. Great companies can often overcome major setbacks, and many of these companies are working toward that. But retirees need to be especially aware of forces that threaten substantial shorter-term losses. And even the most ardent bull should acknowledge and understand significant risks - even if they merely set a stock up for a dip-buying situation.

SEE ALSO: 20 More Best Stocks to Buy That You Haven't Heard Of

Kiplinger
Jun 11, 2019

How Much Can You Contribute to a Roth 401(k) for 2019?
The Roth 401(k) contribution limit increased by $500 to $19,000 for 2019. Workers 50 and older can save an extra $6,000 for retirement.

Kiplinger
Jun 11, 2019

How Much Can You Contribute to a Roth IRA for 2019?
The Roth IRA contribution limit is $6,000 for 2019, up from $5,500 in 2018. Retirement savers 50 and older can contribute an extra $1,000. Income limits apply.

Kiplinger
Jun 11, 2019

How Much Can You Contribute to a Traditional IRA for 2019?
The IRA contribution limit is $6,000 for 2019. If you are age 50 or over, you can contribute an extra $1,000 as a catch-up contribution.

Kiplinger
Jun 11, 2019

Do You Have a Digital 'Guardian' for Your Estate?
Your estate plan isn't complete without accounting for all your digital assets: from bank accounts and investments to even your Facebook page. Here are five steps to get you started.

Kiplinger
Jun 11, 2019

Trusts 101: Why Have a Trust?
Trusts aren't just for very wealthy or complicated estates. They could be helpful for many "average" folks, too. Here are the basics of trusts: what they do, and how they can be used.

Kiplinger
Jun 10, 2019

6 Apartment REITs to Buy for Steady Yields
In a world of minuscule interest rates, investors are searching far and wide for yield. But many of them don't need to look beyond the front door - if they live in an apartment.

Apartment real estate investment trusts (REITs) are well-poised to deliver reliable and growing dividends for the foreseeable future.

Homeownership rates in the United States have fallen, from 69.2% in the second quarter of 2004, to 64.2% at latest count. The decline is due in part to the higher underwriting standards instituted after 2008, and in part to younger Americans struggling to pay rent, let alone a down payment, mortgage bills and other costs of homeownership. Moreover, along the West Coast and in other cities such as Boston and New York, tough zoning laws and "NIMBY-ism" (Not In My Back Yard) prevent adequate new residential construction - a problem that does not look to be rectified easily, if ever.

The 10-year-long U.S. economic recovery and 4% mortgages have bumped up homeownership rates only marginally in recent seasons. Yet as national employment rolls expand, so is demand for housing - but a "severe shortage of housing" has been "too high of a hurdle for many would-be buyers to clear," Freddie Mac recently said.

The housing shortage is a national concern, but for investors, the tight residential markets signal opportunity. Well-managed apartment REITs, which own and operate apartment communities, are perfectly positioned to take advantage. Here are six apartment REITs to buy for this housing shift ... as well as sustained and growing dividend income.

SEE ALSO: The 13 Best REITs to Buy in 2019

Kiplinger
Jun 10, 2019

The Safest Cars for $30,000 or Less
You want to put yourself (and your loved ones) in the safest vehicle possible, right? Here's the hitch: The absolute safest vehicle is almost always a brand-new model, which may cost more than you can afford.

Each year, new models boast more-effective active safety systems (such as automatic braking) as carmakers look to match the evolving testing standards of the Insurance Institute for Highway Safety (IIHS). Newer models also often have invisible structural improvements that help them perform better in tests meant to more closely simulate real-world collisions (such as hitting a utility pole). Headlight technology is advancing as well. Newer models often have LEDs, which are proving more effective than traditional halogen bulbs, as well as systems that steer the light to match the direction you move the wheel. So newer, and thus more expensive, generally means safer.

But what if you need wheels, you care deeply about safety, but you aren't made of money? We worked with annual rankings from the IIHS and price data from CarGurus.com to identify the safest vehicles you can buy for $20,000 to $30,000. All but one of these vehicles got the IIHS's highest safety ranking available when tested: Top Safety Pick Plus (TSP ). However, our quest was safety first; it was not safety only. So we sought out cars that also enjoy good reputations for reliability and are popular choices in their segments. Take a look.

SEE ALSO: 9 Tricks to Get Your Car to 200,000 Miles or More

Kiplinger
Jun 10, 2019

How Much Should Go into Your Special Needs Trust?
Anyone with a child with special needs understands the need to prepare for the future. A trust is always a good place to start, and figuring out a savings goal for that trust is a key part to your planning.

Kiplinger
Jun 10, 2019

Student Loans: To Solve the Problem, Understand the History
It's no secret that college students today are in a bind. To avoid the pitfalls of crushing student debt, take a look at how we got into this sticky situation, and then make some smart course corrections.

Kiplinger
Jun 07, 2019

Choose from This Slew of Great Side Hustles to Earn Extra Cash
Renting out your house is only one way to make money. This expert recommends some of the top gigs.

Kiplinger
Jun 07, 2019

Remembering One of the Great Debt Fighters
Alice Rivlin was one of the most vocal critics of the government's accumulating red ink.

Kiplinger
Jun 07, 2019

What the Green New Deal Means for Investors
While the GND was killed in Congress, the long-term outlook for the economy and stock market alike is green

Kiplinger
Jun 07, 2019

The Problem With PLUS Loans
New student loan rates are lower, but parent loans are still no bargain.

Kiplinger
Jun 07, 2019

How Dividend-Paying Stocks May Help Boost Retirement Income
While no magic bullet, these types of stocks are worth considering, even after retirement.

Kiplinger
Jun 07, 2019

Don't Let These Revenue Roadblocks Threaten Your Wealth
Safeguard your wealth and your family's legacy by taking these steps to protect your revenue stream before and during retirement.

Kiplinger
Jun 06, 2019

Nina Olson: The Softer Side of the IRS
The national taxpayer advocate, who's retiring soon, gives frustrated taxpayers a voice.

Kiplinger
Jun 06, 2019

7 Double-Threat Dividend Stocks in Tech
Income investors typically seek ample yield in their dividend stocks, but dividend sustainability matters every bit as much.

Just ask GameStop (GME) investors, who saw a 19%-plus dividend yield on May 4 turn into a nonexistent yield after the retailer suspended its payout to save cash in an attempt to salvage its troubled business.

A high yield can be a sign of a troubled distribution, but it doesn't have to be. There are hundreds of stable dividend stocks with above-average yields - including a few in the typically growth-minded technology sector. Better still: These are affordable, sustainable payouts that even have room to grow.

We've leaned on the DIVCON system from exchange-traded fund provider Reality Shares to identify seven tech stocks with market-beating dividends that also have a high chance of growing in the future. DIVCON's methodology evaluates dividend health factors including profits, free cash flow and even bankruptcy risk, then assigns a rating between 1 and 5. Low ratings (1-2) are a sign of unstable dividends; high ratings (4-5) signal healthy dividends that likely will grow in the years ahead.

Here are seven "double threat" dividend stocks in the tech sector. They not only yield well better than the S&P 500's 1.8% average right now, but they also earn high scores from DIVCON for their dividend health.

SEE ALSO: 10 High-Yield Monthly Dividend Payers

Kiplinger
Jun 06, 2019

Find a Laptop That Fits You
If you're upgrading, you won't have to spend a bundle to get what you need.

Kiplinger
Jun 06, 2019

Making It in the Gig Economy
Whether you're earning extra money or working full time, you'll need to adopt new financial strategies.

Kiplinger
Jun 06, 2019

Make Sure Your Spouse Has Your Passwords
It's critical for women to have access to key financial information--and passwords to electronic records and devices.

Kiplinger
Jun 06, 2019

15 Best Tech Gifts for Dads on Father's Day
Are you ready for Father's Day? Sunday, June 16 will come quickly, especially if you haven't found the perfect gift for Dad.

When it comes to picking that perfect gift, many Dads today are more likely to hope for something high-tech than traditional: wireless headphones, say, rather than a tie. That can make tracking down a gift that celebrates everything he does for his family a little challenging.

Not to worry, here's a Father's Day gift guide that contains nothing but the very best. Each recommended product, most of which were featured in published reviews, has been personally evaluated. With a slant toward high-tech, a few nods to traditional choices and prices starting at $15, there's something here for every father this Father's Day.

SEE ALSO: 27 Best Perks of Amazon Prime

Kiplinger
Jun 06, 2019

Your Boss May Help You Save for College
Some employers allow payroll deduction into 529 plans.

Kiplinger
Jun 06, 2019

Next Social Security Raise Likely Meager
But there could be an increase if higher tariffs on Chinese imports or a spike in gas prices drive up inflation in the third quarter.

Kiplinger
Jun 06, 2019

2019 Midyear Investing Outlook: Where to Put Your Money Now
Tariff tantrums and rising labor costs are weighing down this aging bull market.

Kiplinger
Jun 06, 2019

Investment Strategist Says It's Time for a Defensive Approach
Brian Nick of Nuveen sees a range of hazards for a "choppy" and "frustrating" market in 2019.

Kiplinger
Jun 06, 2019

The Right Way to Add Bonds to Your Portfolio
When markets are choppy, bonds add ballast to your portfolio, offering stability no matter what interest rates do.

Kiplinger
Jun 06, 2019

Royce Special Equity Fund Wins by Losing Less
A hefty chunk of cash has helped this small-company fund's performance.

Kiplinger
Jun 06, 2019

With Oakmark International, Patience Pays Off
This Kiplinger 25 member has stumbled recently along with foreign stock markets at large, but the fund's strategy has delivered over the long term.

Kiplinger
Jun 06, 2019

The Outlook for Dividends
A few companies are cutting them, but payouts are healthy overall.

Kiplinger
Jun 06, 2019

5 Stocks to Buy Now for the Rest of 2019
One-third of the way into 2019, the U.S. stock market looked more resilient than ever with the bull snapping back from a devastating correction like a bovine half its age. Stocks hit a new high on April 30, delivering an early 2019 return of 18.3%, including dividends--nearly two years' worth of the long-term average gain for stocks in just four months. Assuaging worries of a looming recession, the economy grew at a robust 3.2% in the first quarter of 2019. Instead of earnings dipping into negative territory, as analysts had expected, corporate America ended the first quarter slightly in the black. And perhaps most important, the Federal Reserve Board pivoted from telegraphing as many as three rate hikes in 2019 to zero rate hikes.

Then President Trump tweeted about trade. Stocks have been volatile since, and the downdraft served as a swift reminder that substantial risks are building in this aged bull market and in an economic expansion that in July becomes the longest one ever.

With the easy gains behind us this year, we think you'll do best by scouting stocks that can eke out reliable earnings growth in a low-growth economy and looking to dividends to bolster returns. We favor large-company stocks over small, and we think investors can find good candidates in a number of market sectors and in overseas markets--but you'll have to be discerning and selective within each category. In the second half of 2019, investors will have to stay defensive, while also taking advantage of tactical opportunities as they arise.

Here are five stocks we believe fit the bill and are worth considering for your portfolio:

SEE ALSO: 2019 Midyear Investing Outlook: Where to Put Your Money Now

Kiplinger
Jun 06, 2019

62 Super Deals and Discounts for 2019
We've found dozens of deals and discounts, plus ways to save (or make) a buck on everything from brokerage accounts and college tuition to tech and summer travel.

Kiplinger
Jun 06, 2019

Better Protections for Prepaid Debit Cards
Register your card to ensure you're covered.

Kiplinger
Jun 06, 2019

Smart Ways to Give (or Lend) Money to Family
Keep good records, and don't hand over money you can't afford to lose.

Kiplinger
Jun 06, 2019

The Talk Before Moving In Together
Merging households and finances is a major step. Be sure to have an open and honest dialogue about each other's income and spending habits beforehand.

Kiplinger
Jun 06, 2019

Building Wealth With a Higher Purpose
This former monk found out the hard way that money is not the root of all evil.

Kiplinger
Jun 06, 2019

Retirement Plans for the Entrepreneur
From Simple IRAs and Solo 401(k)s and SEP IRAs, small businesses have many retirement savings options to choose from. Here are the basics to get started.

Kiplinger
Jun 05, 2019

Opportunity Zone Investing: Is It for You?
A new type of fund that invests in low-income communities gives some investors a tax break, but it's not for everyone.

Kiplinger
Jun 05, 2019

2019 Midyear Outlook for Income Investing
Between now and year-end, you can expect all to be quiet on the income front.

Kiplinger
Jun 05, 2019

New Law Could Change Rules for IRA Withdrawals
Under the proposed legislation, you would have more time to take IRA distributions.

Kiplinger
Jun 05, 2019

Get a Good Last-Minute Travel Deal
You can still save on end-of-summer or fall vacations.

Kiplinger
Jun 05, 2019

Mexico Tariffs Could Rattle These 5 Stocks
As if U.S.-China tensions weren't worrying enough, there is now a new downside risk rattling the markets: Mexico tariffs.

The Trump administration recently threatened across-the-board tariffs on imports from Mexico. That followed a tweet from President Trump on May 30 stating "On June 10th, the United States will impose a 5% Tariff on all goods coming into our Country from Mexico." This figure would steadily increase to 25% by October unless Mexico takes more forceful action to prevent migrants from illegally entering the U.S.

Goldman Sachs says investors should prepare for the worst. "At least the first 5% tariff on imports from Mexico planned for June 10 will be implemented," Ben Snider, an equity strategist at Goldman Sachs, wrote in a recent note. "Escalation of the trade war poses a risk to both corporate profit margins and the health of the US consumer, who will likely absorb the majority of the tariffs via higher prices.".

Deutsche Bank senior economist Matthew Luzzetti wrote in a June 4 report, "If implemented, these tariffs would be highly disruptive to the US economy given the scope ... of the trading relationship between the two economies." He points out that American imports from Mexico were about $350 billion in 2018, or 1.7% of GDP.

Which stocks could suffer most from this new American trade-war front? Here are five stocks that TipRanks data shows are most vulnerable to the proposed Mexico tariffs. Exposure to Mexico isn't necessarily a reason for long-term buy-and-holders to sell. But it's important to know that volatility might be ahead ... and in some cases, investors might even want to consider buying on the dip to benefit from an eventual resolution.

SEE ALSO: 13 Blue-Chip Stocks to Buy on the Next Dip

Kiplinger
Jun 05, 2019

How Much Tax Will James Holzhauer Pay on His 'Jeopardy!' Winnings?
The IRS and California will take about 46% of the game-show star's winnings.

Kiplinger
Jun 05, 2019

9 Podcasts Fit for Retirees
Most are free and cover topics from scams and financial planning to retirement living and Alzheimer's.

Kiplinger
Jun 05, 2019

How to Keep Your Heirs from Blowing Their Inheritance
Spendthrift trusts may sound like you're trying to keep your kids from frittering away your legacy, but they are not just for those with spending problems. They're useful in cases of divorce, substance abuse or where beneficiaries are young or financially inexperienced.

Kiplinger
Jun 04, 2019

6 Ways to Boost Your Credit Score -- Fast
Is your credit score in the doldrums? If you're in the market for a loan, you need your score to rise - fast.

Good news: You may indeed be able to give your score a quick lift, depending on why it's sagging in the first place. A large amount of credit card debt, for example, may be more easily and speedily resolved than an account that's in default.

Here are six ways to elevate your credit score, from those that can produce fast results to ones that require a slow and steady approach. Take a look.

SEE ALSO: The Best Rewards Credit Cards, 2019

Kiplinger
Jun 04, 2019

10 Top-Rated Industrial Stocks to Snap Up Now
If you are looking for compelling investing opportunities, consider an often-overlooked area of the market: industrial stocks.

Industrials frequently have made headlines because its components have been pressured by tariff volleys between the U.S. and China. But despite this, the industrial sector of the Standard & Poor's 500-stock index, at 12.6% returns, is the third-best-performing sector of the market behind technology and real estate. And profit growth could see industrial stocks continue to outperform the broader market.

"We're living in a world where growth is declining," John Davi, chief investment officer at Astoria Portfolio Advisors, told CNBC back in March. "S&P 500 earnings are de-accelerating, so if you can get stocks that have above-average growth to the S&P, then that's really attractive." And while consensus estimates have been scaled back since then, FactSet's Earnings Insight still shows that industrials are expected to grow profits 5.2% this calendar year - better than the 3.2% projected for the S&P 500.

The sector still faces headline risk, so you only want to buy the best of the best. To help with that, we've pinpointed 10 of the Street's best-rated industrials by using TipRanks' Stock Screener to scan only for companies in the industrial sector with a "Strong Buy" analyst consensus. The result: This group of 10 industrial stocks to buy.

SEE ALSO: 50 Top Stocks That Billionaires Love

Kiplinger
Jun 04, 2019

Retirement Travel: See the World with the Grandkids
Multigenerational trips help create strong family bonds and leave a legacy of special memories.

Kiplinger
Jun 04, 2019

6 Tax Strategies for Retirement
Taxes are one thing retirees tend to have a little control over, as long as they do some serious planning.

Kiplinger
Jun 04, 2019

10 Tips & Tricks to Save on Weddings from a Financial Planner Bride
I got married in July 2015 and, like many brides, I was overwhelmed. Trying to affordably fit the perfect venue, dress, flowers and all the other little details into the vision I had created on my Pinterest "Rustic Wedding" page required skillful planning and negotiations, financial savvy -- and a few compromises. Throughout my time planning my wedding and now helping my clients save for weddings for themselves or their children, I've developed 10 tips and tricks for getting the best bang for your buck.

Before you even begin planning what might be the biggest party of your life, you need to have some serious money conversations with your future spouse and set a budget. In 2018, the average American wedding cost $33,931. While this amount is likely to be even higher if you plan to wed in a bigger city, it can be a helpful starting point. But my most important piece of advice? Your wedding is important, but your future is even more so. Stay mindful and realistic. You don't want to go into debt over a party. There will be future expenses -- houses, college funds, retirement -- so don't blow it all in one place. All in all, your wedding is your day -- but you're in it for the life partner, not the party! Now, here are my top 10 tips: Written by Julia Pham, CFP®, AIF®. Pham, who has worked in financial services since 2007, joined Halbert Hargrove as a Wealth Adviser in 2015. Her role includes encouraging HH clients to explore and fine-tune their aspirations -- and working with them to create a road map to attain the goals that matter to them.



Kiplinger
Jun 03, 2019

Marc Freedman: Building Bridges Across Generations
The CEO of Encore.org explains why it's important to society for older citizens to mix with younger people as the age gap widens.

Kiplinger
Jun 03, 2019

10 Top-Rated Mega-Cap Stocks to Buy Now
When market volatility is high and economic uncertainty is rising, there's comfort to be found in mega-cap stocks. Stocks with market values of at least $50 billion tend to be bigger, more stable holdings. They tend to have stronger balance sheets and often pay dividends.

When it comes to finding such stocks, there's no substitute for roll-up-your-sleeves fundamental analysis. Factors such as revenue growth, earnings estimates, profit margins and debt levels are just some of a long-term investor's most important tools. Traders and tactical investors might also consider technical analysis, which attempts to divine patterns from changes in a stock's price and volume.

Then there's quantitative analysis, which takes a wide swath of fundamental, technical and other data, runs it through a mathematical model and calculates a recommendation. Quantitative analysis usually is the preserve of so-called quant funds, which guard their methods jealously. But thanks to StockReports from Refinitiv, we know what at least one quant model has to say.

StockReports combines a weighted quantitative analysis of six widely used tools: earnings (including estimate surprises and analyst recommendation changes, among other factors; fundamental analysis, which encompasses profitability, debt and dividends, among other considerations; relative valuation, which looks at measures such as price-to-sales and price-to-earnings ratios; risk, which considers magnitude of returns, volatility and other factors; price momentum, which is based on technical performance factors such as seasonality and relative strength; and insider trading, which looks at whether top corporate executives have been net buyers or sellers of their company's stock.

For mega-cap stocks, or stocks with market values of at least $50 billion, StockReports gives greater weight to price momentum and insider trading to calculate an optimized score, since those have proven to be important predicto

TRENDING TAGS
tradedeal hopes China war Wall
Trumptrade talks Xi deal Trump-Xi
StocksFed trade hopes biggest making
Chinatrade deal US-China hopes Trump
dealtrade dealership Allergan AbbVie Ford
stockMarket Fed Micron trade Allergan
FedFedEx Stocks Powell rate cut
fundFiler H2O asset close passes
FilerINC 8-K Trust Auto 6-K
SalesGeneral Mills New-Home stock fall

NEWS SOURCES
Top News (Business News)
Accounting Today
AdWeek News
Banking Business Review
Barron's This Week Magazine
Barron's Up and Down Wall Street Daily
Brad Ideas
Chicago Tribune Business News
CNBC Business
CNBC Economy
CNBC Finance
CNN/Money
CNN/Money Real Estate News
Dismal.com: Analysis
Dismal.com: Indicators
Enterprise Application News
Entrepreneur.com
Forbes Headlines
Forbes Social Media News
FT.com - China, Economy & Trade
FT.com - Financial Markets
FT.com - Hedge Funds
FT.com - Telecoms
FT.com - US
Google Business News
Google Market News
HBS Working Knowledge
Inc.com
INSEAD Knowledge
International Tax Review
Kiplinger
Knowledge@Wharton
L.S. Starrett News
MarketWatch
MarketWatch Breaking News
MarketWatch MarketPulse
McKinsey Quarterly
MSNBC.com: Business
Nielsen Trends
NonProfit Times
NPR Topics: Business
NYTimes Business
OpinionJournal.com
Private Equity Breaking News
Reuters Business
Reuters Company News
Reuters Money
SEC.gov Updates: News Digest
SHRM HR News
Tax Policy News
The Economist International News
The Motley Fool
USA Today Money
Wall Street Journal US Business
Wall Street Transcript
Washington Post Business
WSJ Asia
WSJ Europe
WSJ MoneyBeat
WSJ Opinion
WSJ US News
WSJ World Markets
Yahoo Business
  • CEOExpress
  • 1 Boston Place | Suite 2600
    Boston MA 02108
  • 617 482 1200
    617 299 8649 (fax)
  • Contact
  • As an Amazon Associate
    CEOExpress earns from
    qualifying purchases.

©1999-2019 CEOExpress Company LLC