Negócios & Finanças
Kiplinger's Personal Finance

Kiplinger's Personal Finance October 2019

Written to help you do a better job of managing your personal and family financial affairs and to help you get more for your money. You get ideas on saving, investing, cutting taxes, making major purchases, advancing your career, buying a home, paying for education, health care and travel, plus much, much more. Special issues cover the latest information about car buying (December) and Mutual Funds (March and September).

United States
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1 minutos

HOW FLORIDA TAXES YOU The Sunshine State does not impose an income tax on residents, but local property and sales taxes can add up. We rank the state’s 50 largest cities by their tax burden. RANKING THE DOW 30 STOCKS Discover how Wall Street analysts collectively rank every Dow stock—from UnitedHealth Group (#1) to 3M (#30). GUIDE TO SERVICE ACADEMIES Tax editor Rocky Mengle, himself the father of a service-academy grad, reveals 20 things you should know about applying to the military service academies. Kiplinger Today Profit from the best of Kiplinger delivered to your e-mail inbox every weekday. Sign up for our Kiplinger Today e-newsletter at FACEBOOK: KiplingerPersonalFinance TWITTER: @Kiplinger…

3 minutos
the broker matrix

Back in the April issue, I wrote about my beef with my broker, E*Trade, over $32,000 that had gone missing from my IRA. As I explained then, I had invested in Mobil-Eye, an Israeli company that developed camera-based driver-assistance technology, and the company was acquired by Intel. Before that point, whenever shares of companies I owned had been acquired, I simply let the money make its way to my account. But in this case I was supposed to actively tender my shares, and I missed the tender period because E*Trade didn’t use e-mail or snail mail to notify me of the requirement. The money was sent to an escrow account in the Netherlands, and although I filled out multiple forms and affidavits that E*Trade forwarded nearly six months later there…

3 minutos
smart places to retire

I was delighted to see that Richmond, Va., was listed in “Smart Places to Retire” (Aug.). It is a great city with lots to offer every age group, including retirees. However, I was disappointed by the omission of VCU Health, an academic medical center with some world-class physicians as well as groundbreaking researchers. It is an important resource for retirees and, while it is located downtown, there are satellite offices all over the city and surrounding suburbs. PHYLLIS ELLENBOGEN HENRICO, VA. Evanston, Ill.? Claremont, Cal.? Astronomical housing prices aside, some of these locations are suffering serious state budget issues and problems that are unresolved and therefore creating a highly risky en vironment. There are many, many choices that you overlooked based on your criteria of cost of living, low median home prices…

3 minutos
market volatility: get used to it

FOR A BULL MARKET THAT has kept the bear at bay for more than a decade, this stock market is racking up some scary downturns. The one that began after Standard & Poor’s 500-stock index hit a high in late July saw stocks fall close to 6% by mid August, with occasional bounces depending on the news of the day, presidential tweets or interest-rate moves. The summer swoon still qualifies as just a “pullback,” defined as a drop of between 5% and 9.9% from the market’s most recent high. But that makes the second pullback so far in 2019, following two full-blown corrections—declines of 10% to 19.9% from the high—in 2018. Once you get past 20%, you’re in bear country. Does the market’s malaise mark the end of the bull’s run? For…

2 minutos
another plus for high-deductible plans

HIGH-DEDUCTIBLE HEALTH insurance plans with health savings accounts could become more attractive to people with chronic illnesses. Until recently, people who enrolled in high-deductible plans had to pay for the medications and services used to manage their conditions, such as diabetes and heart disease, until they met their plan’s annual deductible (up to $1,350 for individual coverage or $2,700 for family coverage in 2019) before their insurer would cover treatment. This summer, in response to an executive order from the White House, the IRS added 14 treatments and services for a range of chronic health conditions to the list of items that insurers may provide as preventive-care benefits under high-deductible plans with health savings accounts. People with the named conditions may now be able to receive certain treatments at no cost…

3 minutos
solving the app privacy problem

Florian Schaub is an assistant professor in the School of Information at the University of Michigan. FaceApp, the viral app that shows you what you will look like as you age, has sparked the most recent debate about online privacy. Should people be worried about the data the app collects? I think what started to make people look deeper was that the app’s developers are Russian and the app’s privacy policy made broad claims about how they might reuse photos. It could mean they’re creating some kind of legal room for themselves to share information with other companies and use it for other purposes. Or it could simply mean that they are trying to limit their liabilities. Still, it is a red flag. How can app privacy policies be improved? For the…