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

Kiplinger's Personal Finance March 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).

Country:
United States
Language:
English
Publisher:
Kiplinger
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$12
12 Issues

IN THIS ISSUE

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kiplinger.com

(ISTOCKPHOTO.COM)IS IT TAX-DEDUCTIBLE?Take our quiz to learn which popular deductions you can still claim under the new tax law.kiplinger.com/links/taxdeductible101 GREAT DIVIDEND STOCKSThese dividend-paying stocks—from the U.S., Canada and Europe—boast track records of raising dividends year after year after year.kiplinger.com/links/101TAXES IN RETIREMENTKeep more of what you’ve saved by moving to a state that’s tax-friendly to retired residents. We rank all 50 states (and Washington, D.C.) based on their tax burden for retirees.kiplinger.com/links/all50Kiplinger TodayProfit from the best of Kiplinger delivered to your e-mail in-box every weekday.Sign up for our Kiplinger Today e-newsletter at kiplinger.com/links/ktoday.FACEBOOK: KiplingerPersonalFinanceTWITTER: @Kiplinger ■…

access_time3 min.
the shutdown hits home

As I write this column, the longest federal government shutdown in U.S. history is entering day 28, with no clear path for a resolution. Our offices are located less than two miles from the U.S. Capitol, and I’ve gotten used to witnessing nonstop drama from across town. But when our leaders hold 800,000 federal government workers’ paychecks hostage, it feels personal—and impacts personal finances. Even if you’re not a federal employee, the shutdown has ramifications for your finances, especially your taxes (see below). For those directly affected, it serves as a real-life test of an underpinning of financial preparedness: the emergency fund.Friends and family. The D.C. metro area is home to 284,000 federal workers, who make up more than 8% of the area’s total labor force. Of those, an estimated…

access_time3 min.
letters

(SOURCE: POLL SURVEYED 245 KIPLINGER’S READERS.)Claiming Social SecurityI was glad to see your focus on the benefits of delaying Social Security until age 70 and drawing down 401(k) and IRA balances to cover expenses as a way to reduce required minimum distributions (“Social Security: Now or Later?” Jan.). RMDs can lead to surcharges on Medicare premiums and taxation of a higher percentage of Social Security benefits. I believe high-income retirees are destined for even greater means-testing pain, not to mention higher taxes. Kudos for pointing out benefit commencement strategies for various individual situations.KEN KOROKNAY OCEAN PINES, MD.My health is good, I don’t think the goofs in Congress will totally screw up Social Security, and I didn’t need the money—but I signed up at 62. By the time I reach my…

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what’s next for a turbulent market

INVESTORS TOSSED ABOUT by the stock market’s rough seas are no doubt wondering what just hit them. A bear market? A bull-market correction? We won’t know for sure until sometime in the future. But when it comes to your investing strategy, the answer matters less than you think.Stock prices peaked last September and have been in a volatility vortex ever since. From the September peak to the trough on December 24, Standard & Poor’s 500-stock index fell 19.8%—escaping by a whisker the generally accepted definition of a bear market, which is a loss of 20% or more. Other market benchmarks were clearly mauled by the bear, including the small-company Russell 2000, which fell 27%, and the Dow Jones transportation average, down 25%. Losses were greatest in the energy sector, down…

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a salve for investor anxiety

Harold Evensky is a certified financial planner and author of Hello Harold: A Veteran Financial Advisor Shares Stories to Help Make You Be a Better Investor.Where should investors who are interested in hiring a financial planner look for advice? We recommend looking for the three p’s of advice givers: philosophy, or what they believe and how consistent they’ve been in their approach; process, or how they make their philosophy work in the real world; and people—their experience, track record, staff and professional credentials.Look for certified financial planners. A CFP is required to serve as a fiduciary, which means the adviser has the responsibility to act in your best interest, rather than the best interest of a firm’s bottom line. That’s a higher standard than the one for brokers. Brokers are…

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fly through security

IF YOU’RE A FREQUENT business traveler, hate standing in line or tend to get to the airport late, a new private service can get you through security faster. But it doesn’t come cheap.CLEAR, which is currently available at 27 airports across the U.S. and has 2.5 million users, allows you to bypass the first step in getting through security: standing in line to show your driver’s license or passport. The system stores your fingerprints and eye scans, creating an encrypted code that is specific to you. (Once created, this code is matched each time you go through the system.) After you pass the biometric screen and show your boarding pass, a CLEAR representative will escort you to security screening. If you also have PreCheck or Global Entry, you can keep…

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