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category_outlined / Business & Finanz
Kiplinger's Personal FinanceKiplinger's Personal Finance

Kiplinger's Personal Finance December 2018

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).

Land:
United States
Sprache:
English
Verlag:
Kiplinger
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ABONNIEREN
CHF 11.88
12 Ausgaben

IN DIESER AUSGABE

access_time3 Min.
a tribute to sears

As I write this column in mid October, the financial world is dealing with a bad case of the jitters. The stock market is on a roller-coaster ride, inflation is heating up, mortgage rates are closing in on 5%—and now Sears has filed for bankruptcy. The latest blow to the once-ubiquitous retailer isn’t a surprise, and it isn’t adding fuel to already-combustible markets. But the news has hit me hard. For much of its 125-year history, Sears was woven into the fabric of America’s culture and communities. The store reflected the best qualities of middle America: practicality, reliability and authenticity. Luxury and status were not part of its mission. It represented value. THE STORE REFLECTED THE BEST QUALITIES OF MIDDLE AMERICA: PRACTICALITY, RELIABILITY AND AUTHENTICITY. When I was growing up in the 1960s…

access_time2 Min.
medicare dis-advantage

While patients will usually find many physicians to choose from in Medicare Advantage networks, their care may be restricted (“Save Money on Medicare,” Oct.). Nearly all of the Advantage plans now contract with third-party organizations whose sole mission is to limit expensive medical care. Although this usually doesn’t affect primary care, coverage for serious illnesses such as cancer can be adversely affected. As a cancer specialist, I’ve seen many cases in which expensive drugs, complex radiation therapy or diagnostic scans have been denied, and patients haven’t received optimal treatment. MICHAEL MARCHESE, M.D. LAKEWOOD, N.J. Reliable income. The bucket system is helping me and my husband make the switch from investing to having funds available for our cash needs (“Make Your Money Last,” Oct.). We keep enough money in CDs in my husband’s IRA…

access_time3 Min.
putting the brakes on fuel efficiency

WITHIN THE NEXT FEW months, the Trump administration is expected to finalize its rules modifying the fuel-economy targets set during the Obama administration. Under the new standards, vehicle sticker prices could be cheaper. But because cars would be less fuel-efficient, you’ll pay more at the pump. To recap: In 2012, the U.S. Environmental Protection Agency and the Department of Transportation set new corporate average fuel-economy (CAFE) standards that require automakers to sharply increase fuel economy and reduce greenhouse gas emissions. The target by the 2025 model year was 54.5 miles per gallon—or close to the mid 40s under real-world conditions. The Trump administration countered this past August with its Safer Affordable Fuel-Efficient (SAFE) vehicles rule, which would lock in a fleet-wide target of 37 mpg (about 30 mpg in real-world driving)…

access_time2 Min.
wages are finally set to rise in 2019

Andrew M. Challenger is a vice president of the outplacement company Challenger, Gray & Christmas, in Chicago. The unemployment rate is the lowest in nearly five decades, but wages have stagnated. Why? We’ve seen some very small upward movements in wages, but it seems as if companies have yet to hit the point at which they really struggle to attract and retain good people. One reason: The availability of jobs has attracted workers from the sidelines who left or retired from the workforce during the Great Recession or who have worked gig jobs, such as driving for Uber, to get by. Meanwhile, more of workers’ total compensation goes to benefits—much of it to health care—which doesn’t materially change the lives of employees for the better. It’s an indictment of the health…

access_time1 Min.
protect your online purchases

Packages are stolen from porches and doorways year-round, but thieves are particularly busy during the holiday season, when there are more items to steal. Take the following steps to protect your purchases: Ship to a store. Some retailers let you send online purchases to one of their stores for pickup. The service is usually free. Send to a locker. UPS, FedEx and Amazon all operate locations where packages can be delivered. Amazon provides lockers in Whole Foods Markets and convenience stores. When you place your order, search for your nearest locker, add it to your address book and select it for deliveries. For items shipped via UPS or FedEx, you’ll need to register for a free UPS MyChoice or FedEx Delivery Manager account. You can ask to have your purchases delivered to one…

access_time2 Min.
airline fees gain altitude

IF YOU’RE PLANNING TO travel over the holidays, you may want to mail your gifts. As jet-fuel prices rise, U.S. airlines are raising fees for checked luggage, along with other services. Alaska Airlines, American Airlines, Delta, JetBlue and United recently raised their checked-bag fees for domestic flights and other nearby destinations, meaning the cost to check your first bag is now $30 (up from $25) and the second bag is now $40. At the same time, more U.S. airlines are launching or expanding basic economy fares, which strip away some benefits of regular coach, such as choosing a seat when you book. Alaska Airlines and JetBlue have upped the cost to change your reservation. “The airline industry tends to be monkey-see, monkey-do,” says Henry Harteveldt, travel industry analyst at Atmosphere Research Group.…

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