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Business & Finance
Kiplinger's Personal Finance

Kiplinger's Personal Finance May 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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12 Issues

In this issue

1 min.

BEST COLLEGE MAJORS Got a student heading off to college this fall? We reveal the best (and worst) fields of study for a lucrative and fulfilling career. kiplinger.com/links/bestmajors YOUR TAX BURDEN Are you in the top 25% of all earners? The top 10%? How much of the nation’s tax burden do you bear? Our tool, based on IRS data, provides the answers. kiplinger.com/links/rank EARN EXTRA CASH Seeking a side gig over the summer or in retirement? We reveal 38 legitimate ways to pocket more money in a hurry. kiplinger.com/links/extracash 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 kiplinger.com/links/ktoday. FACEBOOK: KiplingerPersonalFinance TWITTER: @Kiplinger…

3 min.
i beat the id thieves

Identity theft is a growing worry, and as we write in the special report that begins on page 33, ID thieves are getting better at their insidious craft all the time. Our report explains the methods crooks use to masquerade as you, how to protect yourself and what to do if you’re a victim. Unfortunately, I know what it’s like to be a victim. Back in September 2016, I learned that an identity thief was trying to open credit card accounts in my name. I wrote about my experience in the September 2017 issue. After I got the call from a Capital One fraud department rep explaining that a crook using an address in Springfield, Ill. (my wife and I live in Washington, D.C.), had stolen my name, I tried to check…

3 min.
don’t skip state write-offs

If you think taking the new standard federal deduction will save you time and work, think again (“Our Guide to Saving on Your Taxes,” March). I found that by using tax-preparation software and skipping itemized deductions, the software had nothing to pass through to my state return. To correctly determine your state income taxes, be certain to enter all your itemized deductions. HAROLD SHANNON ALOHA, ORE. Long-term-care insurance. As insurers attempt to cherry-pick the lowest-risk customers and, at the same time, increase premiums, they continue to shed existing policyholders and discourage potential new customers (“How to Afford Long-Term Care,” March). The companies’ strategic assumptions in the beginning were seriously flawed, and the federal government still has not provided the tax (and possibly reinsurance) support that encourages people to buy these policies. As a…

1 min.
kiplinger's personal finance

EDITORIAL EDITOR Mark K. Solheim EXECUTIVE EDITOR Anne Kates Smith MANAGING EDITOR Frederic Fane Wolfer SENIOR EDITORS Eileen Ambrose, Sandra Block, Jeffrey R. Kosnett EDITOR AT LARGE Janet Bodnar SENIOR ASSOCIATE EDITORS Nellie S. Huang, John Waggoner, Marc A. Wojno (research) ASSOCIATE EDITORS Miriam Cross, Patricia Mertz Esswein STAFF WRITERS Ryan Ermey, Kaitlin Pitsker CONTRIBUTING EDITORS Lisa Gerstner, James K. Glassman, Kimberly Lankford COPY EDITORS Rachel McVearry, Denise E. Mitchell REPORTERS Brendan Pedersen, Rivan V. Stinson OFFICE MANAGER Glen Mayers INTERN Kwesi Arhin ART DESIGN DIRECTOR Stacie A. Harrison ASSOCIATE ART DIRECTOR Yajaira St. Fleurant ASSISTANT ART DIRECTOR Natalie F. Kress EDITORIAL PRODUCTION MANAGER Kevin Childers ADVERTISING SALES ASSOCIATE PUBLISHER AND NATIONAL SALES DIRECTOR Paul Vizza (202-887-6558; pvizza@kiplinger.com) SALES DIRECTOR Jim Marron (917-621-6627; jmarron@kiplinger.com) DIRECT RESPONSE Anthony Smyth (914-409-4202; anthony@smythmedia.com) ONLINE SALES DIRECTOR OF DIGITAL OPERATIONS AND ADVERTISING Andy Price (aprice@kiplinger.com) REGIONAL ACCOUNT MANAGERS Maggie Kinsky (mkinsky@kiplinger.com), Stevie Lee (slee@kiplinger.com) DIGITAL ADVERTISING CAMPAIGN MANAGER Neshmia…

2 min.
shareholders are shaking things up

THIS PROXY SEASON, BIG mutual fund companies and investors alike will get a chance to make their voices heard by corporate executives on key issues. Shareholders will likely file 800 to 900 proposals—also called resolutions—this year with the goal of bringing a variety of initiatives to a vote at annual shareholder meetings. Top issues for 2019 proposals include climate change, corporate political contributions and gender diversity on executive boards. Although management isn’t obligated to act after the shareholders vote on such proposals, a majority vote in favor of a resolution sends a powerful message that executives often heed. Last year, for instance, a 69% vote in favor of disclosures on firearm safety at gunmaker Sturm Ruger prompted the firm to follow suit. In 2017, Exxon-Mobil agreed to produce reports on climate…

2 min.
personal finance lessons from a pro

Brandon Copeland is an NFL linebacker who currently plays for the New York Jets. He teaches a college course on personal finance to undergraduates at his alma mater, the University of Pennsylvania. Early in your NFL career, you traded stock options and flipped houses in Detroit on the side. Why jump to personal finance education now? Something I’ve always wanted to do is to make financial knowledge public and accessible. Whether I’m talking to family and friends about investing or teaching students about Roth IRAs, the goal is to make the information available and humble—not overwhelming. College students don’t seem like the most receptive crowd for retirement planning. Where do you start? You’d be surprised! These things might be far off, and it’s hard to care about a decision that’s years away,…