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CONTENTS
KIPLINGER’S PERSONAL FINANCE // FOUNDED 1947
VOL. 68 NO. 6
AHEAD
11 Topic A: Summer travel could be
taxing . . . Knight Kiplinger on money
and ethics. PLUS: June money calendar.
18 YOUR MIND AND YOUR MONEY
Do you cheat on your spouse?
by ANNE KATES SMITH.
20 OPENING SHOT Why I like
Facebook, by JAMES K. GLASSMAN.
23 SUCCESS STORY Building a
business from the grounds up,
by PATRICIA MERTZ ESSWEIN.
INVESTING/COVER
24 WHEN SELLING MAKES
SENSE Breaking up is hard to do. And
deciding to sell stocks can be harder
than choosing what to buy. We help
you make the right moves in response
to changes in your life and portfolio.
PLUS: When to sell a stock or fund
(30). Where to put your profits (32).
34 THE REIT REVIVAL Five picks that
MONEY
45 SPECIAL SECTION: STARTING
OUT GUIDE TO YOUR MONEY Every-
38 PRACTICAL INVESTING The
impact of dividends, by KATHY KRISTOF.
thing you always wanted (or needed!)
to know about stretching your paycheck, saving for a rainy day, getting
credit, paying off student loans, boosting your health benefits, putting a roof
over your head, earning extra cash on
the side and more. PLUS: Life lessons
from our young staffers.
42 CASH IN HAND A preference for
60 GAME PLAN Will insurance
preferreds, by JEFFREY R. KOSNETT.
cover summer-storm damage?
by SANDRA BLOCK.
let you profit from the improved climate for real estate investment trusts.
FROM TOP: POON WATCHARA-AMPHAIWAN;
COURTESY CHIPOTLE MEXICAN GRILL, USA
23
36 GOING LONG Low rates are here
to stay, by JEREMY J. SIEGEL.
37 MORE ABOUT INVESTING Three
mouthwatering stocks (37). News of
the Kiplinger 25
37
(39). Berkshire
Hathaway:
No dividend
for you (40).
Fund rankings (41). ETF
Spotlight (43).
61 RETHINKING RETIREMENT
Bridging my income gap, by JANE
BENNETT CLARK.
LIVING
66 SWEET DEALS ON USED CARS
Prices are coming down, and
attractive trade-ins and off-lease
luxury cars are driving on to dealer
lots. Check out our five top picks.
PLUS: How to decide if a certified
pre-owned car is right for you.
71 THE LOWDOWN What you
need to know about going solar,
by PATRICIA MERTZ ESSWEIN.
72 3 SIMPLE STEPS Switch cable
companies.
IN EVERY ISSUE
4 FROM THE EDITOR A leg up for
young adults.
62 ASK KIM How to get a one-time
financial checkup.
8 LETTERS
63 MORE ABOUT YOUR MONEY
ON THE COVER Photograph by Alex
Martinez. Props and styling: Jabe Mabrey
Yields and rates (63).
1
06/2014
KIPLINGER’S PERSONAL FINANCE
KIPLINGER.COM
LOG ON & EXPLORE
5
Financial Commandments
for Your 20s and 30s
TOP
We recommend ten goals to work
toward on your path to financial
independence.
QUIZZES
1. Is It Tax-Deductible?
kiplinger.com/links/taxdeductible
2. What It Takes to Be a Millionaire
kiplinger.com/links/millionaire
Kiplinger’s
Economic Outlook
Insurance Surprises
Our new slide show
reveals ten littleknown benefits of
your home, health
and auto coverage.
Stay ahead with
exclusive forecasts
of inflation, GDP,
employment, more.
kiplinger.com/links/coverage
kiplinger.com/outlooks
QUIZ YOURSELF
The Get-Out-of-Debt Quiz
3. Are You Saving Enough for Retirement?
kiplinger.com/links/retirementquiz
4. How Sharp Are Your Job-Hunting Skills?
kiplinger.com/links/sharp
5. Dollar Stores—Deal or No Deal?
kiplinger.com/links/dollar
INTERACT
Take our new quiz to discover strategies
to pay off your debt faster.
kiplinger.com/links/debtquiz
TOOL
College Finder
Filter the universe of top schools by
the criteria that matter most to you.
kiplinger.com/links/collegefinder
BRAND NEW
Retire Rich!
Knight Kiplinger’s 10 Steps to a Richer
Retirement is packed with trustworthy
advice, guidance, worksheets and
checklists to help you plan for and enjoy
a comfortable and secure retirement.
JUMP-START YOUR
RETIREMENT PLAN
FREE CAREER
BOOSTERS
HOW MUCH FROM
THE TOOTH FAIRY?
Circle your calendar for
June 5, when financial
planners will be online all
day at Kiplinger.com to
answer your retirementplanning questions free.
Instead of taking on
more student debt,
continue your education
with massive open
online courses (MOOCs).
The average gift for a lost
tooth is now $3.50. Janet
Bodnar suggests ways for
your tooth fairy to be
special, not average.
kiplinger.com/
links/mooc
kiplinger.com/
links/toothfairy
LIVE CHAT
JOHN MILEY
JANET BODNAR
live.kiplinger.com
@johntmiley
@JanetBodnar
kiplinger.com/go/tools
2
KIPLINGER’S PERSONAL FINANCE
06/2014
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FROM TOP: KCSLAGLE/ISTOCK/THINKSTOCK; BEBOY_LTD/ISTOCK/THINKSTOCK; MARIANNA MELIKSETYAN/HEMERA/THINKSTOCK; LISE METZGER (2)
kiplinger.com/links/commandments