Kiplinger's Personal Finance

November 2012

November issue of KPFM

Cover Story

Simple Investing Is Smart Investing

You don't need an MBA to reach your financial goals. We show you how to make money the easy way.

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Table of Contents

AHEAD

From The Editor

Keep investing simple, smarty, by Janet Bodnar

Investors: Time to Buy American

Companies heavy on U.S. sales trump multinationals for now.

Top Fund Managers Fade Over Time

A new study finds that investors can't count on experience.

Money & Ethics

Should execs return bonuses they don't merit?, by Knight Kiplinger

Foil Tax ID Theft

File early to ensure that your refund comes to you.

Get Ready to Pay Taxes on Online Purchases

More states, and Amazon, are collecting from online shoppers.

Opening Shot

Pimco's Bill Gross is wrong about stocks, by James K. Glassman

Real Money

If you share housing costs, can you split the tax breaks?

INVESTING

Simple Investing Is Smart Investing

You don't need an MBA to reach your financial goals. We show you how to make money the easy way.

Best Online Brokers, 2012

In an upset, E*Trade is top dog in this year's rankings.

Practical Investing

Why I sell stocks slowly, by Kathy Kristof

ETF Spotlight

This exchange-traded fund owns fast-growing small-company stocks with strong price momentum.

Cash In Hand

An ode to Ginnie Maes, by Jeffrey R. Kosnett

Dell and Hewlett-Packard Are Cheap for Good Reason

The battered tech stocks suffer from internal problems and long-term questions about the future of personal computing.

Kiplinger 25 Update

For Vanguard Selected Value, two heads function as one.

6 Unexpected Dividend-Paying Stocks to Buy Now

Prices of popular dividend-paying stocks are being pushed higher and higher. It's time to look for dividends in less obvious places.

Promised Land

Bullish on J.C. Penney, by Andrew Feinberg

Fund Spotlight

The skipper of TCW Value Opportunities sticks to the playbook when buying stocks.

MONEY

What Retirees Need to Know About 3 High-Cost Financial Products

Here's how to evaluate offers for immediate annuities, long-term-care insurance and reverse mortgages.

Decoding Your 401(k) Fees

Soon you'll know how big a bite expenses are taking from your retirement savings.

Upgrade Your Benefits During Open Enrollment

Size up your choices during open-enrollment season.

How to Kick-Start Your Career

Are you bored by your job or stuck in the wrong field? A coach or counselor may be able to help.

Get a Year-End Car Deal

As dealers make room for next year's cars and trucks, look for discounts on 2012 models.

Student Loan-Forgiveness Programs Don't Always Pay Off

Debt-relief offers come with strings attached.

Ask Kim

Kimberly Lankford answers readers' questions about triggering the gift tax and more.

Best Credit Cards for Holiday Spending

If you carry a balance, a no-fee card with a 0% introductory rate may be right for you. Otherwise, consider a rewards card.

LIVING

The Condo Market Makes a Comeback

Prices in many markets are going up, but getting a mortgage is no sure thing.

Low Prices on Small-Screen HDTVs

You can put an HDTV in your kitchen for $200 or less.

The Lowdown

6 things to know about free shipping.

My Story

Composer Aaron Grad used a crowd-sourcing site to raise money for his latest project.