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Kiplinger
Jun 18, 2018

6 Tips for Those Who Have Lost a Spouse
From the practical to the emotional, here is some advice to help you get through the first year (or two) of your journey.

Kiplinger
Jun 18, 2018

How Much Cash Should Retirees Hold?
If you're thinking about three months' worth of expenses, you might want to think again. Three years' worth might be more like it for many people.

Kiplinger
Jun 15, 2018

25 Blue-Chip Stocks That Mutual Fund Managers Love Most
Investors continue to pour money into passive vehicles such as indexed mutual funds and exchange-traded funds. However, good old-fashioned stock picking and asset allocation with a human touch still rules in some areas - including in the well-trodden world of blue-chip stocks.

After all, actively managed mutual funds run by professional portfolio managers still dwarf their passive cousins. At the end of 2017, actively managed funds had a total of $11.4 trillion in assets under management, according to Morningstar. Passive funds and ETFs controlled $6.7 trillion in assets.

As we've noted before, the "smart money" doesn't always live up to the high fees and hype, but it's worth keeping tabs on what they're doing nonetheless. That's even more true for actively managed mutual funds. After all, they comprise a much larger swath of institutional investor dollars.

Using data from Morningstar Direct, we were able to discover which blue-chip stocks are most widely held by the biggest actively managed U.S. mutual funds. In other words, these are the 25 most popular stock picks among professional portfolio managers.

Not every one of the following stocks is necessarily a buy at current levels, but it's fair to say that they are all superstar companies. And the most popular pick of all probably will surprise you.

SEE ALSO: 53 Best Dividend Stocks for 2018 and Beyond

Kiplinger
Jun 15, 2018

35 Ways to Earn Extra Cash 2018
Coming up with extra cash to pay the bills, cover unexpected expenses, boost savings, accelerate your 401(k) or perhaps even finance a dream vacation isn't as hard as it seems. Plenty of legit, and many unique, moneymaking opportunities are out there for you to capitalize on at your convenience, with the perk of no long-term commitment and, in most cases, setting your own hours.

Updated for 2018, our diverse list is packed with more tactics to earn extra cash than ever -- 35 ideas for you to consider, along with resources and pointers to get you started. Some are good for a fast buck, while others could turn into consistent streams of income.

Find out which cash-generating ideas could work best for you.

SEE ALSO: 9 Places to Find Free Money

Kiplinger
Jun 15, 2018

How Couples Can Share Long-Term-Care Benefits
Spouses can choose a long-term-care policy with "shared" coverage, giving them a pool of benefits that they can split.

Kiplinger
Jun 15, 2018

10 Apple Products That Changed Everything (And 10 That Didn't)
Apple (AAPL, $190.80) is the world's most valuable company, with a market value that is climbing ever closer to $1 trillion. It is among the world's most recognizable and valuable brands, and it has grown from a tiny computer upstart into a consumer electronics behemoth with roughly 500 retail stores in prime locations worldwide.

And investors know Apple a wealth-generating machine whose performance of the past few decades has made it one of the best stocks of all time.

Apple has survived more than 40 years in a fiercely competitive industry by taking risks. It has been rewarded at times with game-changing products that have sold literally billions of dollars. But from time to time, Apple has made some spectacular faceplants.

For every iPhone that consumers line up for, there has been a Newton gathering dust in a drawer.

Here is a look at 10 Apple products that changed everything, as well as 10 that flamed out ... and even a few more current products that the jury still hasn't ruled on.

SEE ALSO: Microsoft's 15 Biggest Flops

Kiplinger
Jun 15, 2018

22 Best Amazon Prime Benefits
Many of us first signed up for Amazon Prime years ago to take advantage of free two-day shipping, and stayed with Amazon as the cost of a Prime membership rose from $79 to $99 -- and now to $119. Today, there are more than 100 million Prime members worldwide. But the latest $20 price hike, effective June 16 for everyone including renewing members, got me to thinking: Is Amazon Prime worth $119 a year?

Truth be told, my relationship with Prime had mellowed. I wasn't ordering as much from Jeff Bezos's baby, and I felt it might even be time to (gasp!) cancel my Amazon Prime membership. I was wrong. After logging on to Amazon.com and reviewing the perks, I realized the bounty I had let go fallow. Have a look at the best benefits of Amazon Prime.

SEE ALSO: Kirkland Products You Should Buy at Costco

Kiplinger
Jun 15, 2018

How to Check a Financial Adviser's Credentials the Right Way
You're looking up a financial professional, but you can't find them on FINRA or the SEC's website. Is that a red flag, or did you just look in the wrong spot?

Kiplinger
Jun 14, 2018

The Worst Things About Being a Millionaire
Who wants to be a millionaire? The more intriguing question would be, "Who doesn't?" For most people, a million smackers conjures up images of vacations on the Riviera, Arabian racehorses and mattresses stuffed with freshly ironed $20 bills.

But being a millionaire today isn't all it's cracked up to be. Low interest rates and high living costs mean a million bucks in the bank doesn't necessarily allow you to retire at 35, 45, 55 or even 65. What's worse, today's million dollars comes with all the burdens of wealth: greedy relatives, rapacious lawyers and grasping investment advisers.

What's so bad about feeling flush? Read on.

SEE ALSO: 20 Small Towns With Big Millionaire Populations

Kiplinger
Jun 14, 2018

Your Estate Could be Bankrupt Unless You Protect Against This
Whether you're a successful business owner, a family of wealth or just average, middle-class folks, if you haven't prepared for the possibility of lawsuits -- baseless or not -- your legacy could be on the line.

Kiplinger
Jun 14, 2018

Better Than Bonds? A Look at Uncapped Fixed Index Annuities
For safety and performance, it could be time to consider including them in your retirement portfolio to diversify your asset allocation.

Kiplinger
Jun 13, 2018

The Millionaire Quiz: Do You Have What It Takes?


Kiplinger
Jun 13, 2018

7 Latin American Stocks to Buy for the Long-Term
Latin American stocks might not be the most stable holdings on the planet - but that's just fine if you're an aggressive investor. That's because the region offers some of the more explosive growth opportunities in the global market.

Brazilians have a tongue-in-cheek saying about their country: Brazil is the country of the future ... and it always will be.

That's probably a little unfair. Brazil and Latin America in general have grown and modernized to the point that their economies are barely recognizable to those who remember the commodity-driven economies of decades past. Latin America is highly urbanized and has a vibrant and growing middle class.

All the same, the region still has a long way to go to meet developed-world standards. For example, per capita income in the United States, Germany and France is $59,495, $50,206 and $43,550, respectively, according to recent estimates by the International Monetary Fund. In contrast, Chile - the wealthiest country in Latin America - has per capita income of just $24,558. Argentina and Mexico weigh in at about $20,000 each.

Rome wasn't built in a day, and it will be a long time until these countries approach developed-world living standards. In the meantime, intrepid investors looking to get a piece of that growth have abundant options at their disposal. Latin American stocks include dozens of world-class companies that stand to benefit from the continued growth in the region.

Today, we're going to look at seven solid LatAm stocks that you can hold for the long-term.

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 13, 2018

Buy These 7 Small-Cap Stocks for Their Emerging Opportunities
Both the Russell 2000 and S&P 600 indices hit all-time highs in earlyJune as investors continued to jump on the small-cap bandwagon. Can anything stop small-cap stocks from moving higher over the remainder of 2018?

A recession would halt them in their tracks, but barring the unthinkable, you might want to consider selling some of your large-cap holdings for small-cap stocks or exchange-traded funds because they're hotter than a pistol. More importantly, they're an important component for diversifying your equity portfolio.

Which ones should you own? Well, you can look at one of the indexes and pick a few of the stocks, but that's like trying to find a needle in a haystack.

The second option is to buy an ETF like the iShares Russell 2000 ETF (IWM) or the iShares Core S&P Small-Cap ETF (IJR). However, because this is an article about small-cap stocks, why not go with seven companies that market-beating portfolio manager Jim Callinan likes?

Don't worry, I'll pick them for you.

SEE ALSO FROM KIPLINGER: 20 of the Best Stocks You Probably Haven't Heard Of

Kiplinger
Jun 13, 2018

Buying a Home Could be a Bad Career Move
American dream or ball and chain? We've heard so many times that homes are the ultimate investment, but your job advancement and long-term salary potential could be hindered if you're tied down.

Kiplinger
Jun 13, 2018

10 Ways Retirement Will Be Different in 2030
Social Security is a critical source of retirement income. Yet, by 2030 the trust that helps fund benefits for retirees will be nearly depleted. Once the trust money dries up completely--the projected date is 2034--income from payroll deductions will only cover 77% of retirees' full monthly benefits.

Shrinking Social Security benefits represent one way retirement could be radically different in the future. There are many others. Rapid advances in technology, from smart homes to smarter smartphones, will reshape health care, transportation, aging in place and even shopping for future retirees.

Forecasting the future isn't easy, but The Kiplinger Letter has been up to the task for nearly a century. Here's a closer look at tech trends that will revolutionize the way retirees live by the year 2030. Get a glimpse of the future of retirement today.

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

Kiplinger
Jun 13, 2018

What are the New Tech Stocks of 2018 and Beyond?
Investors have scratched their heads for years over which tech companies to invest in. Rather, they should dig deeper into what's fueling growth in the tech sector itself, tracing those roots to ETFs to help reap the rewards.

Kiplinger
Jun 12, 2018

Tax Credits for College Costs
Paying for college will be a little easier if you qualify for one of these two tax credits.

Kiplinger
Jun 12, 2018

3 Factors That Could Drive the Next Recession
The economy is humming along nicely, but how long can the good times continue?

Kiplinger
Jun 12, 2018

6 Ways to Beat Rising Interest Rates
Even if you have been an investor for 30 years, you don't really know about high interest rates.

U.S. interest rates peaked in October 1981, when the 30-year Treasury bond traded at 15%. The dream, when I started investing later that decade, was of "hat-sized yields" of 6%-7%, which didn't become the norm until the early 1990s.

Today, interest rates are less than half that. Early in 2018, the rate on the 30-year Treasury stood around 2.7%. By mid-February, the yield on that long-term debt had spiked about 15% to around 3.1%, which is roughly where it trades today.

Investors panicked at the time, and higher interest rates still have investors worried. For good reason. After all, higher interest rates make bonds more competitive with some dividend stocks, and perhaps more importantly, they make borrowing more expensive for corporations, eating into the bottom line.

The Federal Reserve has already raised its benchmark rate once this year, is about to do so a second time and is expected to hike interest rates once or even twice more before 2018. Your portfolio could well feel the shockwaves from these actions - though you can minimize the damage by taking a few actions. Here are six techniques suggested by money managers.

SEE ALSO: 45 Smart Financial Moves You Can Make in an Hour or Less

Kiplinger
Jun 12, 2018

Investors: Don't Sweat Donald Trump's Tweets
The president's Twitter activity can certainly cause short-term market swings, but other factors are far more influential

Kiplinger
Jun 12, 2018

6 Stocks Battling Bad News: Sell, Hold or Buy?
Plenty of worries can keep investors up at night, from the prospects for corporate earnings to whatever the Federal Reserve Board might have up its sleeve. Lately, a number of investors have learned that when a stock they own becomes mired in scandal and controversy, the worries hit closer to home, and the consequences can be dramatic. Roughly $90 billion in market value of Facebook shares went up in smoke in the wake of the social network's privacy scandal in March, although the stock has mostly recovered. And billions in market value have disappeared from the stock of credit-reporting firm Equifax since the disclosure of a data breach that affected millions of consumers in 2017.

It's precisely at these moments that investors must make crucial decisions. Buying into an essentially good company when it's down might turn out to be a once-in-a-lifetime opportunity. But sticking with a stock that deserves to be jettisoned could be a portfolio-burning mistake. Although your analysis of a stock embroiled in scandal may incorporate political, ethical or other considerations, ours is based solely on the prospects for the companies and their shares. SEE ALSO: 53 Best Dividend Stocks for 2018 and Beyond

Kiplinger
Jun 12, 2018

Whatever Happened to Chi-Chi's Restaurants?
A deadly hepatitis A outbreak devastated the chain in the U.S., but locations remain overseas.

Kiplinger
Jun 12, 2018

Should You Give Your House Away?
If you're thinking about it because you want to make sure it stays in the family or you have some concerns about Medicaid in the future, be careful. There can be serious consequences if not executed just right.

Kiplinger
Jun 11, 2018

The "Sweet Spot": 15 Mid-Cap Dividend Stocks to Buy
Mid-cap stocks are an overlooked and underappreciated area of the market for long-term dividend growth investors.

These companies, generally defined as stocks with market caps between $2 billion and $10 billion, have delivered tremendous performance in recent decades. According to data provided by the Schwartz Investment Counsel, a $1,000 investment made in the S&P MidCap 400 Index on March 1, 1984, would have been worth $74,159 at the end of the first quarter of 2018. For comparison's sake, the same $1,000 investment made in large caps and small caps, respectively, would be worth only $38,155 and $31,567.

Mid-cap stocks have delivered the highest risk-adjusted returns over the past 20 years relative to small caps and large caps, according to Matthew J. Bartolini, CFA, Head of SPDR Americas Research at State Street Global Advisors.

Mid-caps generally can grow faster than their larger peers (or be acquired more easily) because of their nimbler operations. However, they also tend to enjoy greater diversification, better access to capital, and more proven management teams compared to small-cap companies. Some mid-caps also offer generous payouts, landing on research firm Simply Safe Dividends' list of the best high-dividend stocks here.

Here are 15 of the best mid-cap dividend stocks right now. Each company yields more than 2% and has a long history of paying uninterrupted dividends.

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 11, 2018

Whatever Happened to Bennigan's Restaurants?
A new owner is trying to revive the chain after the once-popular fern bar nearly disappeared.

Kiplinger
Jun 11, 2018

The Reverse Mortgage Quiz: Test Your Knowledge


Kiplinger
Jun 11, 2018

Beware of Hidden Costs Lurking in Your Mutual Fund Portfolio!
Some investment fees are obvious, but you may not even be looking for them. Others are much tougher to spot. But it's well worth some detective work.

Kiplinger
Jun 08, 2018

Help with Tracking IRA Contributions
Your investment firm will send you a form to verify any contribution you make to an IRA. This can come in handy later if you're trying to figure taxes on withdrawals.

Kiplinger
Jun 08, 2018

10 Double-Digit Dividend Growth Stocks to Shield Your Portfolio
If you're an investor losing sleep over big market price swings, one of the best ways to protect your portfolio is to own dividend growth stocks. Reliable, regular dividend hikes boost cash payments to investors and create a cushion that limits the effect of market downturns.

Better still, steadily rising payouts increase "yield on cost" - the current dividend divided by the original cost of the investment - which means even a small yield now could become far more substantial over time.

Dividend growth stocks help insulate portfolios from volatility because of the portion of total returns that the income distributions represent over long periods. For instance, depending on the study, dividends are believed to account for somewhere between 60% and 70% of the Standard & Poor's 500-stock index's total returns over time.

To deliver consistently high dividend growth, companies must have proven business models, increasing profits and cash flows and a solid balance sheet. Importantly, they need to have plenty of room in their profits to grow the dividend - companies that already pay out high percentages of their earnings can't aggressively hike their dividends without putting their financial stability at risk.

Here are 10 dividend growth stocks that have the business models and financial strength necessary to deliver many years of double-digit payout expansion.

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 08, 2018

Classic Restaurant Chains: Where Are They Now?
There's nothing more nostalgia-inducing than a trip down memory lane with your taste buds. Your long-ago visits to classic restaurant chains with family and friends surely produced many indulgent memories: the mac-and-cheese at Howard Johnson's, the happy hours at Bennigan's, the crepes at once-trendy The Magic Pan.

Alas, changing times and tastes of aging boomers have helped spirit away many of those establishments. "Every day boomers are leaving the market" - in other words, passing away, says Alex M. Susskind, professor of Food & Beverage Management at Cornell University's School of Hotel Administration. "Even if chains can still appeal to that demographic, it is shrinking. I would also argue that boomers' tastes are changing, and what appealed to them when they were younger, single and/or raising their families is not the same."

That's fair warning to today's crop of popular restaurant chains (and affiliated suppliers and investors), which may soon feel the heat of the shifting tastes and loyalties of Gen X and millennials. "Younger consumers are loath to sit in a restaurant for an hour, unless it is really something special," Susskind says. "Under the best of circumstances, a meal at Applebee's or Friday's takes about an hour." Younger consumers are "more interested in quality and are willing to pay for it -- eat out less, but better. They are more interested in sustainability, and they love delivery and takeout." Consider the changing trends and operational missteps that led to the retreat or outright demise of these 14 classic chains:

SEE ALSO: 17 Surprising Benefits of Amazon Prime

Kiplinger
Jun 08, 2018

Why Trading in Bitcoin or Other Cryptocurrencies is Playing with Fire
You're probably aware that investing in bitcoin is risky in general, but let's take a look at the specific reasons why you could get burned.

Kiplinger
Jun 08, 2018

Your Kid Wants Help Starting a Business? Be Careful
Even when it's family, or maybe especially when it's family, you must treat such a proposition as strictly business. Get answers to these 4 questions to avoid risking it all.

Kiplinger
Jun 07, 2018

34 Best Travel Websites to Save You Money
Travel prices are flying up as the global economy improves and more people are spending to quench their wanderlust. But you can still find good deals to get away -- if you know where to go online first. Here are the best travel sites we've found to help you bag the best bargains on airfares, lodging, car rentals and all your other travel needs. And best of all, almost all of the travel websites are free to use. Bon voyage!

SEE ALSO: Are You Tipping Enough When You Travel?

Kiplinger
Jun 07, 2018

26 Secrets to Save Money on Travel
A good economy is bad for travel deals. More people around the world are looking to visit other places, and that increasing demand is driving up travel costs. Airfares and hotels are expected to go up 1% to 4% this year, according to travel consulting firm BCD Travel.

But we can help you get good deals on all your travel plans. We asked industry insiders and travel website editors to weigh in with their top tips and smartest strategies for getting the best prices with the least hassle on airfares, cruises, hotels and vacation packages.

SEE ALSO: 21 Ways to Get Luxury Travel for Less

Kiplinger
Jun 07, 2018

Where to Invest Now: Our Midyear Outlook for 2018
Our forecast: Higher stock prices by year-end, with continued volatility and a slight chance of worrisome headwinds.

Kiplinger
Jun 07, 2018

Goldman Sachs VIPs: 5 Top Hedge Fund Stock Picks
Hedge funds often are referred to as the "smart money," and right now, their stock picks are proving them right.

Goldman Sachs recently released a report revealing that its list of hedge fund VIP stocks are greatly outperforming the market. These are stocks that feature heavily as top-10 holdings based on the latest SEC filings for 848 funds investing a total of $2.3 trillion.

Goldman chief U.S. equity strategist David Kostin says these VIP stocks are "most positively correlated with growth stocks, a strategy that has delivered extraordinary returns during the past 18 months." In 2018 alone, growth stocks are up 4% on average - significantly better than the 2.9% return of the Standard & Poor's 500-stock index.

Kostin says this trend in the category is here to stay: "2019 should continue to benefit growth stocks."

Here are five hedge fund stock picks that are really setting Wall Street ablaze. We used TipRanks' data to assess the outlook on these stocks, which are averaging 19% returns year-to-date, from the Street's best analysts. By pinpointing stocks with a bullish outlook from top-performing analysts, we can be confident that these stocks are primed for success.

SEE ALSO: 30 Blue-Chip Stocks With the Best Analyst Ratings

Kiplinger
Jun 07, 2018

Seven Super Foreign Funds
Use our picks to capitalize on growth overseas.

Kiplinger
Jun 07, 2018

Decluttering in Retirement (or at Any Age) Frees Space and the Soul
Whether you do it yourself or hire a pro, letting go of unneeded possessions is liberating for you and your heirs.

Kiplinger
Jun 07, 2018

Here's How I Size Up a Stock
Our Practical Investing columnist, Kathy Kristof, explains her formula for buying stocks -- the same strategy as Peter Lynch and other touted value investors.

Kiplinger
Jun 07, 2018

10 Surprisingly Common Estate Planning Mistakes
From the obvious to the highly obscure, estate-planning problems have one thing in common: They can cause huge, costly headaches for your loved ones. Here are 10 pitfalls people need to be sure to avoid.

Kiplinger
Jun 07, 2018

Mid-Year Outlook for Bonds
You can expect mild losses in the bond market, but fixed income still has its place in your portfolio.

Kiplinger
Jun 07, 2018

5 Great Foreign Stocks Selling at a Discount
Foreign markets account for more than half of the world's stock market value and boast a growing share of its corporate powerhouses. In the wake of stock market declines in early 2018, investors who have a long-term mindset can find attractively priced stocks overseas, including the five listed below. All of the shares trade in the U.S. as American depositary receipts.

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 07, 2018

This Short-Term Bond Fund Provides Protection From Rising Rates
Pimco Low Duration Income fund plays defense against rising rates and delivers a decent yield.

Kiplinger
Jun 07, 2018

5 Stocks to Buy for 2018
This bull market has been a long-running one, almost a record. But the challenges are mounting, making for a volatile market. Normally at this stage, investors might think about raising their bond holdings, or choosing more defensive stocks, such as utilities. That's probably not the right call this time, as bonds and high-yielding "bond proxies" in the stock market are sinking as rates rise.

We see potential in the energy sector, technology and financials. Small-company stocks have momentum, too, and we've included one in our list of five stocks with potential for 2018.

SEE ALSO: The 25 Best Low-Fee Mutual Funds You Can Buy

Kiplinger
Jun 07, 2018

Six Stocks Rocked by Scandal: Sell, Hold or Buy?
Plenty of worries can keep investors up at night, from the prospects for corporate earnings to whatever the Federal Reserve Board might have up its sleeve. Lately, a number of investors have learned that when a stock they own becomes mired in scandal and controversy, the worries hit closer to home, and the consequences can be dramatic. Roughly $90 billion in market value of Facebook shares went up in smoke in the wake of the social network's privacy scandal in March, although the stock has mostly recovered. And billions in market value have disappeared from the stock of credit-reporting firm Equifax since the disclosure of a data breach that affected millions of consumers in 2017.

It's precisely at these moments that investors must make crucial decisions. Buying into an essentially good company when it's down might turn out to be a once-in-a-lifetime opportunity. But sticking with a stock that deserves to be jettisoned could be a portfolio-burning mistake. Although your analysis of a stock embroiled in scandal may incorporate political, ethical or other considerations, ours is based solely on the prospects for the companies and their shares. SEE ALSO: 53 Best Dividend Stocks for 2018 and Beyond

Kiplinger
Jun 07, 2018

Retirees, Beware Dangers of Multiple Medications
Be smart: 15% of older adults are at risk of major drug interactions.

Kiplinger
Jun 07, 2018

You Can Still Trim Your 2017 Tax Bill
Now is also a good time to check withholding for 2018 taxes.

Kiplinger
Jun 07, 2018

Stocks to Energize Your Portfolio
Energy stocks that have performed poorly in recent years have now started to perk up. Buy some, but don't go nuts.

Kiplinger
Jun 07, 2018

Betting on Sports? You May Owe the IRS
Prepare to pay taxes on winnings.

Kiplinger
Jun 07, 2018

Make the Most of Rising CD Rates
As the Federal Reserve hikes interest rates, banks have been more generous in boosting yields on certificates of deposit.

Kiplinger
Jun 07, 2018

Expect More Scrutiny From the TSA
Enroll in one of these programs to skip longer lines at airport security.

Kiplinger
Jun 07, 2018

Finding a Smart Lock That Clicks for You
Lock and unlock your door with your smartphone, no matter where you are.

Kiplinger
Jun 07, 2018

Find Missing Money in Forgotten 401(k)s
New programs aim to help workers recover billions in pensions and 401(k) plans.

Kiplinger
Jun 07, 2018

ABLE Accounts Give Disabled More Financial Freedom
More states are offering tax-friendly accounts that give people with disabilities the tools to build a financial future.

Kiplinger
Jun 07, 2018

Socially Responsible Investing? It's Complicated
It takes a lot of time to do the research to make sure a company is compatible with your values.

Kiplinger
Jun 07, 2018

If You're 65 and Still Working, Avoid Pitfalls and Maximize Benefits
If you plan to delay retirement, watch out for these benefit traps.

Kiplinger
Jun 07, 2018

Getting In the Investing Game
Schwab-Pomerantz has some simple investing advice for women: Find a buddy and attend a few seminars to learn the language.

Kiplinger
Jun 07, 2018

Don't Play Favorites on Your Financial Team
Bet you have one member of your team who you listen to more than the others, but is it the right person, and for the right reasons? Here's the one you really should rely on.

Kiplinger
Jun 07, 2018

The Benefits of Being Your Own Boss
Self-employment comes with extra flexibility--a trait that millennials prize--but it can also complicate your financial life.

Kiplinger
Jun 07, 2018

3 Surprising Insights from a Former Financial Adviser
Knowing a little about what goes on behind the scenes can help investors get the most out of the relationship they have with their financial professional.

Kiplinger
Jun 07, 2018

Planning for Retirement as a Single Person
If you're unmarried and childless, you need special strategies for retirement saving, health care and estate planning--and a support network you can call on.

Kiplinger
Jun 06, 2018

Wells Fargo Tries to Make Amends
If you were a victim of its fraudulent activities, take the initiative to claim your money.

Kiplinger
Jun 06, 2018

Small-Business Success Story: Bryson City Bicycles
Opening a bike shop let this couple turn their passion into a new career.

Kiplinger
Jun 06, 2018

Tips for Renting Out Your Home on Airbnb
Before listing your home on the site, here's what you should know.

Kiplinger
Jun 06, 2018

Do Adult Children Have an Obligation to Support Needy Parents?
Even if some siblings can afford to help more than others, no one should shirk the obligation to assist in some way -- financial or otherwise.

Kiplinger
Jun 06, 2018

Want to Play on 5G? You'll Need a New Phone
Look for the first 5G handsets to hit the market in the first or second quarter of 2019, says this market analyst.

Kiplinger
Jun 06, 2018

21 Ways to Get Luxury Travel for Less
Penthouse suites and first-class seats to Europe may be extravagant, but there are a slew of ways to snag five-star hotels, roomy airline seats and private tours for a lot less than you'd expect.

We rounded up ways to wrangle upgrades and price breaks on luxury experiences.

Bonus: We also found places to go and ways to get there using these strategies. Take a look.


SEE ALSO: Are You Tipping the Right Amount When Traveling?



Kiplinger
Jun 06, 2018

Don't Sweat Small Changes in Your Credit Scores
Credit scores typically fluctuate a little from month to month, often because of changes in credit card balances. Here's what to do when fluctuations in your scores are more dramatic.

Kiplinger
Jun 06, 2018

How Will U.S. Tariffs Hit Your Stocks?
These companies stand to lose most should the U.S. get into a full-blown trade war

Kiplinger
Jun 06, 2018

The 10 Best Energy Stocks to Buy for This "New Normal"
The more-than-doubling of crude oil prices over the past couple of years has been a difficult rally to trust. Energy companies still aren't exactly highly disciplined outfits despite the pain of overproduction they inflicted on themselves back in 2014.

On the other hand, the bears have had every opportunity to upend the rally but have been unable to do so. Perhaps a price of more than $60 per barrel really is the "new normal" for the energy market. At the very least, investors would be wise to respect that not investing in energy stocks could be riskier than being in them for the foreseeable future.

Until there's a clear sign of trouble for the slippery commodity, here's a run-down of 10 top prospects to play energy's normalization. Some of these energy stocks are familiar, while others are a bit off the radar. Still others border on being outright unknowns.

In all 10 cases, however, there is outsize opportunity for oil-driven upside.

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 06, 2018

Why Americans Talk Themselves Out of Retirement Security
Who wouldn't love a stream of guaranteed income in retirement? No one, of course. But many retirees are ruling out a prime source, fixed annuities, based on bad information.

Kiplinger
Jun 05, 2018

Utah: #10 Best State to Retire in 2018
One of our top 10 states for retirement based on financial factors, Utah has the added appeal of national parks and open vistas.

Kiplinger
Jun 05, 2018

New Hampshire: #9 Best State to Retire in 2018
The Granite State is the only state in the Northeast to break into the top 10 states for retirement.

Kiplinger
Jun 05, 2018

Smart Ways to Save on Funeral Costs
From Costco caskets to cremation, there are steps you can take to avoid overpaying for a funeral.

Kiplinger
Jun 05, 2018

7 Ways Higher Interest Rates Will Hit Your Pocketbook, Portfolio
The rate on the benchmark 10-year Treasury note has moved from 2.06% in September 2017 to a temporary high above 3.12% in May. The roughly 1-percentage-point increase is not much for those of us who remember when interest rates were in the double digits, but it is not the absolute level that matters. The important point here is that after many years of impossibly low rates, interest rates are trending higher.

Rising rates have implications for your finances. They affect the interest you earn on your investments. They affect the interest you pay on your loans, from mortgages to credit cards. They also affect the overall economy, which can then trickle down to your mutual funds and retirement plans. It also means there is a greater demand for money from businesses wishing to expand, hire more workers or build new plants.

Should you pay attention? You bet you should.

Kiplinger sees rates moving slowly higher thanks to rising government deficits and slightly higher inflation. The Federal Reserve already is committed to raising short-term rates during the next several months because it's concerned about the tightening labor market.

Here are seven ways higher interest rates can affect your pocketbook - and some moves you can make to protect yourself and even prosper.

SEE ALSO: 20 Small Towns With Big Millionaire Populations

Kiplinger
Jun 05, 2018

3 Things You Should Always Ask a Financial Adviser
When looking for the right person to help you manage your money, you need to vet your options thoroughly.

Kiplinger
Jun 05, 2018

Planning for Retirement: Should You Pay Off the House Early?
The new tax law adds wrinkles for homeowners deciding whether or not to retire without a mortgage.

Kiplinger
Jun 05, 2018

3 Ways to Benefit from a Roth IRA Under New Tax Law, Including a 'Mega Backdoor Roth'
The tax benefits to Roth IRAs have always been enticing, but now they're even more attractive. Even if you think you make too much to take advantage, there are ways to get in the game.

Kiplinger
Jun 05, 2018

When Will Bitcoin Make Its Way to 401(k) Plans?
If you're itching to get into the bitcoin game within your company's retirement plan, cool your jets. There are plenty of reasons why it's not possible yet.

Kiplinger
Jun 04, 2018

10 High-Yield BDCs That Could Get a Lift From D.C.
Business development companies (BDCs), with dividend yields averaging between 8% and 11%, already are well worth considering as income investments. Now, thanks to a recent regulatory change, BDCs have even more appeal.

BDCs make loans like banks but serve a different lending niche, consisting of middle-market companies in a high growth mode. Unlike banks, BDCs invest in both debt and equity of companies and provide managerial oversight and advice to clients.

Business development companies yield more than banks because they pay no corporate taxes. As a trade-off, however, BDCs are required to distribute at least 90% of income to shareholders. But because they must rely on debt or equity financing to grow, growth rates can be erratic and BDCs sometimes must cut dividends.

However, BDCs have recently gotten a huge helping hand from Washington. A little-known provision of the $1.3 trillion omnibus spending bill may jump-start BDC growth by freeing these companies from a major constraint. Traditionally, BDCs were required to hold one dollar of equity for every dollar loaned. Under the new rule, BDCs need only hold one dollar of equity for every two dollars loaned, thus enabling their lending operations to grow.

Smaller BDCs may leverage loan growth to increase net interest income (an important earnings metric for BDCs) and dividends. Larger BDCs may opt to improve portfolio quality by increasing the percentage of low-risk loans. In this scenario, while NII doesn't necessarily rise because of lower yields on new loans, the BDC earns a higher valuation multiple as a result of improved portfolio quality.

Here are 10 BDCs that already provide high yields, and now have a chance through this rule change to bolster their dividends and share prices.

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 04, 2018

Health Insurance for College Students
Young adults can stay on the family health policy until age 26. But if they go away to college and are outside the insurer's network of doctors, families need to reconsider their insurance options.

Kiplinger
Jun 04, 2018

Virginia: #7 Best State to Retire in 2018
Virginia isn't a classic retirement destination like Florida, but after ranking seventh on our list of the best states for retirement, it might become one.

Kiplinger
Jun 04, 2018

Alabama: #6 Best State to Retire in 2018
Alabama, which ranked sixth on our list of the best states for retirement, offers retirees many of the perks of Florida for less money.

Kiplinger
Jun 04, 2018

Florida: #8 Best State to Retire in 2018
Florida is the first state you think of when it comes to retirement, but it's the eighth state in our retirement rankings.

Kiplinger
Jun 04, 2018

The Biggest Social Security Mistake You Can Make
The decision to retire early at age 62 vs. age 65, 66 or even waiting until age 70 isn't a straightforward math equation. And it can't be made in a vacuum.

Kiplinger
Jun 01, 2018

10 Hot Stock Picks for a Summer Rally
How do you find fresh investing inspiration in these choppy times? Right now, political uncertainty in Italy has sent global markets into a tailspin, and the U.S. has just put a global tariff tiff back into play. However, even in these conditions, there still are several stock picks that look like compelling opportunities right now.

Credit Suisse analyst Andrew Garthwaite, who still sees stocks as a valuable source of returns, recently wrote in a note to clients: "We conclude that a US recession is unlikely until Q3 2020. Remain overweight equities."

So if it's still game-on for bulls, which stocks are worthy of a closer look? We used TipRanks' market data to compile a list of 10 of the most intriguing stock picks right now. TipRanks tracks the latest stock ratings from more than 4,700 analysts. As a result, we can pinpoint the stocks that Wall Street's top analysts believe are set to rally in the coming months.

Let's take a closer look at their favorite stocks now:

SEE ALSO: The 18 Best Stocks to Buy for the Rest of 2018

Kiplinger
Jun 01, 2018

Credit Card Payoff Calculator
Get out of debt as soon as possible by increasing monthly payments on your credit cards.

Kiplinger
Jun 01, 2018

Follow QCD Rules to Make Your IRA Qualified Charitable Distributions Count
Retirees can get a tax break for donating up to $100,000 to a charity directly from a traditional IRA.

Kiplinger
May 31, 2018

8 Tech Stocks That Pay You to Own Them
When you buy stocks, you're trying to get returns from two places: growth and/or dividends. And for the longest time, tech stocks were bought for the former. Pick up Amazon.com (AMZN) for $300, sell half at a thousand bucks a few years later, and you're sitting on free shares worth $1,600 each a year after that. Great!

However, many technology companies are maturing - breakneck growth is behind them, and they need an alternative way to draw investors. Thus, many tech stocks are starting to deliver dividends, paying people to own them.

That doesn't mean every tech firm offering up a regular distribution is done growing altogether. The increased presence of technology in all aspects of human life means that there's still plenty of upside, even for Wall Street's biggest tech companies. To wit, old-guard blue-chip Microsoft (MSFT) recently hit $760 billion in market capitalization to surpass Google parent Alphabet (GOOGL) in market share.

Several tech stocks offer an ideal combination of dividend and growth potential. Here are eight picks that currently deliver that 1-2 punch.

SEE ALSO: 53 Best Dividend Stocks for 2018 and Beyond

Kiplinger
May 31, 2018

Medicare Part D Drug Coverage Gap Closing at Faster Clip
Retirees should spend less on brand-name prescriptions in 2019, but it's still a good idea to compare Part D options during open enrollment this fall.

Kiplinger
May 31, 2018

Don't Give Up on This Wild Bull Market
Sticking with stocks has always been a struggle. Nine years into a bull market, it still is.

Kiplinger
May 31, 2018

Are Annuities a Solution for Baby Boomers in Retirement?
The basics of how annuities work, how they can provide a lifetime stream of retirement income, their pros and their cons.

Kiplinger
May 31, 2018

Lack of Financial Information Is No Longer the Problem. Knowing How to Process It Is.
The key to good financial decisions is knowing how to sort through the flood of information out there. How do you do that? Ask the right questions. Specifically, these five.

Kiplinger
May 30, 2018

Tennessee: #5 Best State to Retire in 2018
After rating all 50 states for retirement based on financial factors, Tennessee ranked fifth on our list of best states for retirees.

Kiplinger
May 30, 2018

FAQs About RMDs: Don't Blow Your Required Minimum Distributions
Required minimum distributions are annual withdrawals people generally are forced to start taking from tax-deferred retirement accounts, such as traditional IRAs and 401(k)s, once they reach age 70½. The reasoning behind RMDs is simple: Your retirement savings have been sheltered from taxes for years, perhaps even decades, and Uncle Sam eventually wants his cut. The IRS can impose hefty penalties if you don't take your RMDs in the right amounts, from the right accounts and at the right times.

It can be tricky to calculate RMD withdrawals, but don't panic. Read on to learn the answers to some commonly asked questions about RMDs, courtesy of the experts at Kiplinger's Retirement Report and Kiplinger's Personal Finance. Whether you're already retired or just starting to plan for retirement, you'll benefit from brushing up on your knowledge of RMDs.

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

Kiplinger
May 30, 2018

The 8 Best Income Funds for a Scared Market
If 2017 was the year without fear, 2018 feels like the year of ... well, fear. And that means investors should have income funds and other dividend strategies at the top of their minds right now.

The CBOE Volatility Index - aka "the VIX," aka "the fear index" - exploded earlier this year from less than 10 to more than 37. That occurred about a month into 2018 as the stock market fell to multimonth lows. The VIX spiked again in March and has remained elevated - at least compared to last year - since then. The market itself, meanwhile, is barely clinging on to fractional gains.

This has been a frustrating year for investors in search for direction. But those who have put income strategies to work likely have stomached the process with a little more ease. Don Wilson, CIO of Atlanta-based investment company Brightworth, says flat and down markets are a good time to put lower-risk, higher-quality income strategies to work. "In down markets, conservative, boring, higher quality and lower-yielding bonds usually hold up much better than higher yielding and lower quality investments," he says.

Certain income funds not only provide dividends to help offset losses, but they prove particularly resilient during times of high volatility. A few were even able to hold their value during the selloff of early 2018.

Here's a look at eight income funds that investors should explore if they're looking to weather an uncertain 2018 while generating some extra cash.

SEE ALSO: The 25 Best Low-Fee Mutual Funds You Can Buy

Kiplinger
May 30, 2018

Tax Reform Blunts the Bite of the AMT
Taxpayers, including high-income retirees, who've been snared by the AMT before have a better chance of being spared in 2018 and beyond.

Kiplinger
May 30, 2018

North Dakota: #4 Best State to Retire in 2018
North Dakota ranked a surprising fourth in the nation on our list of best states for retirees, based on health- and finance-related factors.

Kiplinger
May 30, 2018

Georgia: #3 Best State to Retire in 2018
After rating all 50 states for retirement based on living costs, taxes and similar factors, Georgia ranked third on our list of best states for retirees.

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