“Republicans in Washington, all set to take control of the new Congress.” Ripped from today’s headlines news it? In fact, these words appear in the first issue Kiplinger magazine in January 1947 from other stories of the early years are very familiar: “But what kind of tax cuts?” “Buy stock investment trust ? Fund “;” leisurely retirement “;” how to buy a house “(see our current housing prospects);” be careful, inflation “(see our story inflation);” your income tax: do the right “this year (see tips to reduce your 2016 tax bill of); ” no-load ‘mutual funds “;” way to buy stocks today “;” the high cost of drugs. ”

Some stories are surprisingly prescient. November 1947, we published a special section in the next life, we foresee the convertible will have such facilities as “underseat toilet, television receivers …… and phone compartment and directories. This is anywhere is hard to escape the phone. …… “in addition underseat toilet (are you listening, Elon Musk?), we were right on the money.

We missed by a large margin, but the problem with the ‘November Dewey will do’ our infamous thanks to faster production technology in 1948, we did a lot better in in November 2016, when we can rewrite our entire cover story in January 2017 to reflect Donald Trump’s surprise win.

Foreshadowing our Healthy Living section, we publish the story about alcoholism. In October 1950, we can help insomniacs ( “trouble sleeping?”), As we did last month in what makes you sleep at night?

Then, as now, we use the money to educate their children about ( “Should children pocket money?”). But there has been in our women covering fiscal enormous changes. At that time we wrote an article about women and money from the husband’s point of view: “What every woman should know her husband’s financial situation”; “money quiz only wife”; “his wife’s Guide to the stock market.” Today we address women’s directly in our money smart woman columns.

Our passion. This has remained unchanged for over 70 years one or two things that we offer to our readers. Our mission is to provide trusted advice, real people can act on their financial controls. And because we are a family-owned company, the company’s mission is personal. “Provides useful advice to the American people for 70 years has not only in Kipling’s family and colleagues here, we are more of these enterprises, he said:” The chief editor of Knight Kiplinger. “This is our call, our passion. Nothing makes me than the long-term readers to hear our lawyers have helped their families to achieve true financial security more fun. That’s what we all about.” From Readers we do, as this note from Matt Millard in flower mound, Texas,

And hear: “we have multiple generations in the magazine, it has a considerable impact on our family life. my grandmother Foster for the first time to the Kipling my late father in the early 1990s, and today we represent three generations of users, thanks to 25 years,, and here the lot! “

Our cover story this month is a reflection of the passion of Knight mentioned. This is our staff, who first proposed cooperation between nearly 300 ideas. Senior editor Mark Solheim took the lead removed, and edit them to the management of 70, and artistic director Stacy Harrison is responsible for the elegant cover and dense layout. We invite you from 70 years of experience to benefit as we tell you the best way to create, protect, preserve and enjoy your wealth.

There is nothing like home delivery of the gift of pleasure. Sign up for a subscription box, you will not have to wait until the next holiday goodies. Subscription box service typically charge $ 10 to $ 40 per month to send you what categories of goods, such as cosmetics (Birchbox), children’s goods (Citrus Lane), or niche products, such as craft beer, local artisans or the latest in merchandise fishing tackle.

Pay $ 10 a few cosmetic samples may sound like a gimmick. But there are a lot of boxes, the value of the project is worth twice as much, or you pay three times the monthly amount, founder MySubscriptionAddiction.com, and a box of review sites say. Sampling a specialized product, without having to pay a full-size products valuable. The best service, including actors, such as how to video on the company’s website

But beware: surprising and joy comes a new box every month can be addictive. Companies sometimes sweeten the deal, including exclusive products to keep your interest aroused. Coupled with the automatic renewal of the stadium and the common practice you sign a long-term payment plan, which is usually not possible to cancel the deadline than you should you may wind up shelling out more money.

Before you spend a lot of money, select Find previous month in the company’s website, and sites such as Cadman reading reviews (also can alert you to bad customer service and strict cancellation policy, as well as coupon codes and free FERS). And track how many products you actually use. Even the high retail price, “If you do not use the item, its value is zero,” Cadman said.

If you do not use the power of your portfolio in international stocks, you can get on a good thing, missed in the next few years.

Past performance is not always indicative of future performance, but there are some subtle indicators now pointing to diversify income and international equity portfolio.

Although there are many parameters to keep the funds in US stocks, there are good reasons to invest overseas is a good choice, in order to maximize future returns. Even many points for international stocks may not support heavy as you might think

Myth # 1: International stock does not perform as well as Wall Street

According to the last few years, the debate winner. However, so far in 2017, international equities in Europe is a healthy margin tperforming those in the United States.

Historically, after the poor is outstanding performance . Since 2008, the US market outperformed the international markets – a good eight years running. Many investors and financial experts believe, it may be reversed soon. Rising interest rates, overvalued and slow growth in combination can reduce the stock of investment income in the United States – by historical standards, the valuation in the United States high-level overseas, especially in Europe, and interest rates at historically low valuations . For the current average P / E ratio of US stocks is about 17-18 times earnings, which is at the high end. Foreign markets, on the other hand, at an average of 12-13 times earnings.

Myth 2: too much volatility

Terrorism in Europe. Venezuela to take over GM facilities. Concerned about North Korea. Uncertainty and Russia.

Have the means to invest in overseas too risky!

But in the international market it does not lie in the world of investment as a whole. When it comes to investment outside the United States, the world is divided into two categories – the developed and emerging markets

Developed markets are larger, more stable markets such as France, Germany, Japan, Britain and Switzerland

Emerging markets are those that are still in development subject to greater volatility, such as Brazil, India, Russia and China.

While investing in emerging markets has become a bigger risk, which is similar to ŧØDecided to invest more aggressively in the United States. There is more volatility and risk, but the rewards could be even higher. Investors may obtain a lower valuation and enjoy the growth, stability and development of the national economy of emerging markets at the same time.

If you are worried about currency fluctuations, these problems can be eliminated by funds, hedge exchange rate risk.

Myth: My investments do well, so I do not need to change it

Why fix what is not broken? Remember, follow the advice on the stock market each Disclaimer: Past performance does not guarantee future performance. Well, just because the strategy is to work now does not mean it will stay like this forever.

For conservative investors, there is ample opportunity to go where the money is held by the cheaper accumulate wealth. Investment funds may go further and return will be greater, not to take more risks than your current portfolio strategy.

United States, including nearly 50% of global stock markets. This makes nearly half the world’s stock markets closed, if you invest in the United States, insist on the table – you may have lost

Finally, there are global funds in half the likelihood that you can put your money in the combination of the US stock market and international stock markets. These global funding provides the best of both worlds – exposed in the US and international markets, developed and emerging

When considering changing your portfolio STrategy, please consult your financial advisor. In Telemus, we take a holistic approach to the accumulation of wealth, and look at the short-term and long-term goals, as well as large-screen action, investors market. Your trusted financial adviser will be able to guide you to the correct international stock portfolio for you in order to maximize growth and harvest, while meeting your overall investment objectives.

During the holiday season, you might spend more than usual, to buy gifts for family and friends, pay for travel and dining out. But among all the joy, remember that you can also use credit cards to pay back some of their own expenses and softening holiday financial hit.

Cash back credit cards can be used at any time of year, but the festival is a good time to pick a card, we will reward you with cash for the return of the proportion of dollar you spend CreditCards .com industry analyst Ted Rothman said. Card shop that specializes in providing incentives in the fourth quarter shopping, for example, you can get as much time on your gift buying 5%, he said, citing chapter and found it to ASE freedom Visa cash back card.

Cash back card is not as complex as some of the travel rewards cards, Rothman said. The elderly, in fact, tend to cash back cards many young people do, according to a study by the CreditCards.com. “It’s not that hard to get a good deal,” he said.

Of course, it’s ideal for your credit card balance in full each month. If you can not, you may be hit with interest rates as high as 17% ~ 25%, far beyond any cash back earnings. When choosing the best cash back cards give you, carefully compare discount. Think about how you actually spend your money. If your card does not provide consumer of your most frequent category cash back, then your return will not add up to much. “When the selection of suitable Crediton T card, you know, you want something out,” In the CompareCards.com chief industry analyst Matt Schultz said.

Consider cash back card is a “super simple,” Rothman said. Citigroup double cash MasterCard, for example, to -12% of your everything back%, ​​and 1% when you buy, when you pay off, and no annual fee. Alternatively, you can juggle multiple cards may provide specific categories, such as catering or tourism, but get everything back to 2 per cent higher pay less complex, still an attractive return.

Can not find your card

Beginning through the website, such as CreditCards.com, CompareCards.com, Bankrate.com and point review of GuyCredit card information.

There are some outstanding when it comes to cash back cards to consider. To Do uble cash card like Citigroup, Fidelity’s Visa Signature bonus payment of 2% flat on all purchases. Please note that you must deposit your card incentives for Fidelity account, such as your IRA or 529 college savings accounts.

PayPal online payment is increasingly accepted, and many brick and mortar stores, and everywhere use Paypal MasterCard to pay a 2% cash back, Rothman said. The capital of a mercury visas to everything you 1.5% cash back. If you usually during the holidays, when dining out, you can add to your shopping and enjoy the company Capital One MasterCard reward incentives. You can earn 4% in restaurants, and $ 95 annual fee the first year was abandoned.

Find registration bonus, if you do a lot of holiday shopping, it may be very easy trap. Chase Free DOM, for example, offer signup bonus of $ 150, if you spend $ 500 within 90 days. “A lot of this comes down to just maximize the money you would spend anyway,” Rothman said.

Regardless of card you choose, be sure to carefully read the fine print. This finding it card, for example, cash back when you buy online at Walmart.com, rather than if you buy from Wal-Mart Stores, Rothman said. Other cards may only waive the annual fee the first year, or restricted cash back.

Multiple Sclerosis end Charles Silberman’s career as periodontal disease. Only 55, Silberman no longer work. However, he got close to match his old monthly income checks. The reason: a disability insurance policy

Silberman buy coverage when he’s in good health. He did not want his wife and four children will face what he did as a teenager when his father became disabled and unable to work opportunities. After the policy, he cut his playing time and his income fell by 20%. Today, the policy to replace most of his income. “We have been able to maintain our hospital Uz, lifestyle and standard of living,” he said.

You might have homeowners insurance, you might have life insurance. However, if you are still working, you have to protect your income is how much? Disability insurance replaces part of your income, if some kind of illness or accident prevents you from working.

You can purchase a comprehensive policy, if you are self-employed or if your employer covers the supplementary scheme thin. These policies pay a monthly allowance if you can not work at all, and the benefits of some of the charges part of, if you can only work part-time. “Disability insurance is not for you, this is your family do not have to deal with the consequences of” breadwinner disability Connie Golleher said that in the company Holleman, chief operating officer in Chevy Chase, Maryland insurance consultants.

Income protection is particularly important if you are over the age of 50, when you could probably sprint build retirement savings. This is also the age of health problems is likely to accelerate in the senior vice president who manages disability insurance products, Metropolitan Michael · Fradkin said. The most common disability claims MetLife receives from the age of cancer, arthritis and inflammation of the joints, back strain.

Most states require employers to provide disability insurance for weeks or months. Many employers do not provide coverage for more than that. Golleher said that even companies that provide coverage tends to obscure the long-term income is only 50%. Some publicDivision option, group rates and do not purchase additional insurance coverage, so you do not pass a medical examination.

Bought by a group, including professional associations or AARP, you can save money, William Franklin, a certified financial planner, its Hunt Valley, Md., Said the company helps customers buy disability and other insurance products. Group plans a better deal for women because individual policies cost them more than 35% to 40% of people pay the same coverage. Group on covered interest rate is usually the same for men and women.

If you can not get group coverage, you need to go to each market. It is best to find a reliable broker to guide you. “You have multiple companies by calling the same characteristics as a different name,” Franklin said.

In general, when you are old you buy the coverage, the higher the premium. A strategy to pay $ 5,000 monthly benefit ~66 years as the age of 55 healthy men may spend $ 3,840 per year; the same policy costs $ 2,228 to a healthy 50-year-old man. For healthy women, it cost $ 5,429 55-year-old woman 50-year-old policy might cost $ 3,389’s.

Premiums declined 1.1 60-year-old, six years because the benefit period is so short. This is a man and a woman $ 2726 $ 3385.

Reported that the availability and price depends on your health, your age, whether you smoke and other factors. Pricing also depends on your income level and profession you want to replace. I want to take a basic medical examination. Insurance companies may exclude any past medical history, add a surcharge to cover those with health problems or deny the reports.

Policy TYpically coverage of up to 50% to 70% of total revenue. The amount of insurance you need your handbag fees and other sources of income to calculate. In addition, the figure the length of time to receive monthly benefits. There are other things to consider:

Definition of disability definition of disability insurance companies in different ways. If you can not complete your duties some of the charges “own occupation.” Other people only when you can not fulfill payment duties “any occupation.” A little more expensive, “owner-occupied” policy is preferred because they provide broader protection.

Benefit period. benefit periods are when you choose to accept a monthly subsidy amount. Common benefit period runs from 5 years to 65 years to 67 years or life. BenefiT a longer period will increase your monthly premium. Benefit period to match your expected retirement age.

Remaining in coverage. This function allows you to work part-time or low-wage work in the other, also collected benefits to make up for lost revenue. While some policy criteria, the residual benefit may be added as the other riders. Another perk: This feature is part of the loss of income benefits based on pay, even if you do not have total disability initial stage,

A “irrevocable” policy you want to cover, the insurance company can not cancel, and they will have to renew every year at the same price. If this is not the only policy to a “guaranteed renewable” coverage is less expensive upfront, but premiums may rise.

Elimination PERIOD. This is the waiting period, or the number of days you are disabled before benefits begin. You usually get the best rate for 90 days. Reduce cycle to 60 days can result in a 50% surcharge.

You can add other drivers. One is the cost of living, an adjustment, but if you’re in the fifties or your spouse works is inflation protection may not be necessary. Another is the future purchase options, allowing you to buy add to your income range, without going through underwriting again. With his policy, Silberman includes two types of drivers, and even his salary premium life insurance policies.

Other riders or strategies can help you maintain your retirement plan contributions, to provide long-term care benefits or converted to Weng long-term care policy. Avoid policy, if you are disabled for a particular condition, such as cancer cover income – you’d better have an overall disability policy. Consumers should also be aware of what triggers a specific policy or rider.

In addition, although tax benefits payable under the policy provided by the employer, benefits from a single policy is generally tax-free, as long as you pay the premium after-tax dollars.

Make sure you choose the insurance company will invest the highest rating from AM Best Company (www.ambest.com), Moody’sThose services (www.moodys.com) or Standard & Poor’s (www.standardandpoors.com).

I just raise my taxes, and will get a sizable refund. What are the best way to spend money is?

In that year, when raises and bonuses at work is rare, to obtain a refund may be your big chance to put extra money in order to improve your Financial status. Here are five smart use of your refund method:

Pay off high-interest credit card debt. Many credit card companies to raise interest rates, expect the new credit card law, so carrying a balance, now it may cost you more than in the past. The new law requires credit card companies to disclose clear how long it will take you to pay off the balance – how much interest you will pay – if you only make the minimum payment each month. These numbers can be shocking.

Have to use your refund to pay off the balance of the interest rate of 18 percent is like your investment income by 18% – a very valuable use of the money. If you pay off the balance, you can afford to close some cards now charge exorbitant fees. For more information about the new credit card law, see the Frequently Asked Questions in the upcoming new credit card rules, credit card charges and more closed credit card accounts to avoid fees.

Rebuild your emergency fund. Many people have been attacked in the past year to their emergency fund, almost no extra money to restore it. You can use your refund begins to rebuild the fund, it can help you avoid landing in credit card debt, if you have an emergency. Try to keep at least six months worth of basic expenses in this account, or if you think your job is more – or your spouse – is in danger. Easy to keep the money in a money market account or savings account to earn interest. Why do you need to see a contingency fund for more information.

Increase your retirement savings. You must April 15, 2010, (if over age 50 or $ 6,000) contribution up to $ 5,000 IRA in 2009. If the modified adjusted gross income is $ 120,000 or less, if you are single, or $ 176,000 or less, if you are married mergerDeclaration, then you can to a Roth IRA, which allows you to withdraw tax-free retirement.

If you earn too much Ross, you can contribute to a nondeductible traditional IRA and then immediately convert it to a Roth. Please refer to our Rose convert forever For more information, YONE special report. If you’ve done your contribution for 2009, the refund in your account in 2010, to start your contribution. You can always add more money later this year.

Build your college savings. It’s always difficult to take into account the retirement savings and college. Here is a chance to use the extra money 529 account contribution. You can use the money tax-free college bills, you can get your state income tax deduction of contributions. Details of the best savings plans 529 university see.

Help your child save for the future. If you’ve covered all the bases, you can use the extra money to contribute to a Roth IRA for your child. Your kid qualifications, as long as he or she deserves ha ha a year in revenue. Your child can contribute up to $ 5,000 or his or her annual income, whichever is the lower amount, you can give him cash to do it. 2009 contribution deadline for the April 15, 2010 to see why your child needs a Roth IRA details of

It is worth considering. Would not it be better to have more money in each paycheck instead of waiting for a refund? Use our withholding calculator to see if you can adjust your withholding and get more money in each paycheck time.

If you want to know where refund checks, see How to track your refund status.

On the screen of the mobile device may be its most vulnerable components. “More than 90% of what we do is screen replacement repair,” Jack Murphy, for iCracked communications, mobile devices, vice president of maintenance, said.

So how do you get your phone fixed? You can hire a professional, usually a mobile phone manufacturer or a third party repairer. Or, you can purchase the required parts and tools, take a deep breath, and do it yourself.

The simplest solution is returned to the manufacturer. For example, Apple has about $ 130 for the iPhone 5 and iPhone 6 plus iPhone 6. $ 110 model and start charging, take the phone an Apple Store or an authorized repair shop and see how it can be fixed quickly. (For a list of authorized repair shop, please ŧØhttps: //locate.apple.com). Otherwise, you will have to mail, which means you will be separated three to five business days from your phone. We can not live without your cell phone so long? With Apple’s advance replacement ($ 29 extra), the company will send you a lender.

HTC, which makes the Android smartphone offers a free replacement of cracked screens the first six months after purchase. Samsung’s message on the screen replacement service requires seven working days and costs $ 150 Galaxy S4 or S5. But Samsung’s chain of walk-in centers, where you will be able to get a screen replaced in an hour or less the same price. Two stores are open in the Dallas / Fort Worth area, and the third, with multiple locations is expected soon in Los Angeles. (For other authorized repair shop, call Samsung’s support line, 800-726-7864.)

Third-party repair. Alternatively, you can put your phone to a third party. Werx, it does RadioShack’s service, 72-hour turnaround commitment and a limited lifetime warranty. It charges $ 120 to $ 130 to repair iPhone model 5, $ 50 to $ 250 HTC phone, and up to $ 300 to $ 350 a Samsung Galaxy S4 or S5.Ed Kuhner, vice president of customer experience for HTC Americas said, if you go with a third party to ensure that it guarantees its work.

ICracked professional home repair Apple mobile devices, and Samsung Galaxy phones. It is more than 800 “iTechs” spread in the United States, and will come to you. They can usually be swapped out a screen less than an hour, said Murphy, years. Most iCracked repair costs of $ 100 to $ 110, and some come with a lifetime warranty.

Beware of people who propose to replace the screen $ 50 or less. Kuhner said, the odds are good that you will get substandard parts. “This could be a new piece of glass, but you do not know what kind of glass it is.”

DIY approach. You can do your own repairs to save a few bucks. iFixit and do its own repair kit manufacturer and guidance technology, sales of iPhone 5S screen repair kit $ 90, which is less maintenance cost range of $ 20 to $ 40 of Apple. But the screen replacement surgery is not for everyone; it is a matter of many small parts and screws a delicate process.

If your phone is a few years ago, it may be cost-effective to skip the repair and buy a new phone. “It may be that not only damage the screen. There may be other problems, you do not know,” Laura Estepan at Best Buy Mobile specialty stores, general manager of Union Square in Manhattan said.

David Herro has either hosted or comanaged Oakmark International (OAKIX) since its launch in September 1992 in a long period of nearly 25 years, the fund has acquired years of 10.1%. That beat the MSCI EAFE Index, which tracks large companies in developed foreign markets, an average of four percent per year. In other words, $ 10,000 investment in the establishment of the international will be worth $ 106,000 today; the same amount in the EAFE index fund would be worth $ 41,000.

Girona is a classic speculators, a method he learned to read the works of Benjamin Graham, considered the father of value investing. He and Michael comanager seek Manelli business owners and executives who like to generate a positive free cash flow (cash earnings after capital expenditure), as well as reinvestment of profits wise

The final test is the price: only the manager buy a stock price of at least 30% of their assessment of the intrinsic value of each company’s stock is lower than what the buyer will pay to acquire the entire business. “We’re looking to create value, which is my definition of free cash flow per share growth for the company,” Herro said. “We do not care how they do it, as long as the free cash flow is rising.”

More recently, the HR and Manelli was looking at Europe’s most attractive prospect. Oakmark about the presence of three-quarters of its assets, financial services companies, consumer-related businesses and industry representing the largest proportion of industrial stocks. In its last report, the fund held by former Glencore is a global mining company, headquartered in Switzerland. Other large positions include Anglo-Dutch maker British Lloyds Banking Group, the German car manufacturer Daimler and CNH industrial, agricultural and construction equipment.

Kipling

Like almost all of the actively managed funds, international occasionally affected by poor stretches. For example, in 2007 fund lost 0.5%, while the EAFE index rose 11.2%. “Our goal is not to fluctuate period,” said Girona. “Our goal is to take advantage of volatility by buying quality at a lower price, sometimes resultsIn the short term underperformance. We are willing to take short-term pain, the long-term gains. “

Children are expensive. But here are a few more than I expected costs.

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