October 2011

October issue of KPFM

Cover Story

Your Retirement Reality Check

Five steps to get you back on track.

Table of Contents

AHEAD

From The Editor

You don't have to be the editor's daughter to get personalized financial advice from Kiplinger's, by Janet Bodnar

The U.S. Debt Downgrade's Ripple Effects

A lower debt rating is mainly a blow to the nation's confidence, but it could still hurt.

Interview With Carmen Reinhart: It's the Debt, Stupid

The senior fellow at the Peterson Institute for International Economics predicts five more years of slow growth and high unemployment.

Money & Ethics

Is it ethical to break pension promises?, by Knight Kiplinger

Goodbye to the Paper Savings Bond

The e-version saves taxpayers money but complicates gift-giving.

Smart-Phone Users Wrestle With Complex New Pricing Plans

Caps on wireless data plans may curtail streaming but not e-mail.

How to Deal With Coupon Overload

Stuck with unused daily deals? You can get some money back.

My Point of View

Whatever quality of life means to you, achieving it is in your hands, by Knight Kiplinger

Your Mind and Your Money

How sex drives your spending, by Robert Frick

Discovering Value

The case for old technology companies, by Whitney Tilson and John Heins

Opening Shot

Best bets in health care stocks, by James K. Glassman

INVESTING

8 Foreign Stocks with Generous Yields

To stay steady in volatile markets, add some solid dividend-paying stocks to your portfolio.

Are Hedge Funds Right for You?

They generate a lot of headlines but not great returns. Here’s how to get the best of what they offer and pay a lot less.

Going Long

U.S. companies continue to post steady profits. With the market down, their stocks could be great buys, by Jeremy Siegel

Amazing Apple

This infographic reveals how Apple is growing much faster than the typical U.S. company.

The Lure of Rising Dividends

Only companies that have boosted payouts for at least 25 straight years qualify for this ETF.

How to Cash in on Scandal

A tainted stock may look cheap, but let the dust settle before buying.

Cash In Hand

Uncle Sam's IOUs are still safe, but you can find better yields from other investments, by Jeffrey Kosnett

Value Added

Can star manager Bruce Berkowitz and his Fairholme Fund bounce back?, by Steven Goldberg

Emerging Markets on the Cheap

Vanguard MSCI Emerging Markets ETF carries a super-low expense ratio.

A Fund That Bets Against Congress

Congressional Effect Fund aims to profit from market rallies when legislators are not in session -- but it might not be much more than a gimmick.

Value Line Asset Allocation Cuts Risk by Shifting Assets

A fund uses the Value Line newsletter to pick stocks.

MONEY

5 Steps to a Secure Retirement

It's time to size up your retirement plan. You may be in better shape than you think.

Smart Ways to Save for College

The key is to start saving as early as you can -- and to take advantage of the tax breaks.

Real Money

An MBA means greater earning potential, but paying off $100,000 in student loans trumps other financial goals.

6 Good Reasons to Buy a Home Now

Houses are more affordable than they've been in a decade.

Don't Bury Your Technotrash

Your electronic castoffs could be someone else's e-treasure.

Best Rewards Credit Cards, 2011

Which rewards cards are most rewarding? We found nine great deals.

Ask Kim

Kimberly Lankford explains how lenders must reveal your credit score for free if you are denied credit or charged a higher rate.

Why the Cash in Your Money Fund Is Safe

Fund sponsors are migrating toward strong European financial institutions.

LIVING

Cheaper Alternatives to Cable TV

It's getting cheaper and easier to stream your favorite shows to your TV.

Drive Time

Technology lets you get a break on insurance premiums based on how you actually drive, by Jessica Anderson

The Lowdown

What you need to know about getting hacked.

My Story

Chanette Purser-Smith, 27, of San Francisco stirred up trouble as a teen before studying the culinary arts. Now she follows her own recipe for success as head chef at a West Coast wine bar.

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