In the August issue: Ahead | Investing | Your Money | Rewards AHEAD Time to Cover Your Bases Stocks aren't about to collapse, but they are risky. Now is the time to go on the defensive with your portfolio. When to Hold or Fold Your Stock Portfolio A Wall Street wizard explains why poker is the perfect metaphor for investing. Credit Crackdown The feds weed out bogus counseling services. Where to find good advice. Fun and Learning Choosy parents often find that the best classroom is none at all. THE LOWDOWN What You Need to Know About Hiring Some Help  by Sean O'Neill PORTFOLIO DOCTOR Looking for Your Magic Number  How much would it take to cut back early? COMMENTARY Why I Love Dividends  Opening Shot, by James K. Glassman INVESTING Ordinary Investors, Extraordinary Results Six average Joes (and a Jane) talk about how they turned modest means into mighty wealth. Where to Find the Best Yields We've got 30 juicy ways to beat rising interst rates and inflation. Sitting Pretty in Cash City Why manager Bob Rodriguez can smile when markets drop. The New Black Gold Get on board the coal train as it picks up speed, and shovel in the profits. COMMENTARY The Inflation Bogeyman  Going Long, by Jeremy J. Siegel A Better Way of Indexing?  Fund Insights, by Steve Savage and Jeremy DeGroot Foreign markets hit rough seas ... TIPS funds underwater ... Update: Mid caps flourish ... Hot licks at Guitar Center ... Buy SB-1 Equity? ... News of the Kiplinger 25. YOUR MONEY Make Your Insurer Pay Last year's massive Gulf Coast storms put insurance companies to the test. We asked residents to tell us how well and how quickly insurers responded -- and what they did to get their claims settled. Their tips could help you, should trouble strike close to home. Into the Deep Freeze What you can do when your employer freezes your pension and puts your best-laid plans for retirement on ice. Goodbye Condo Mania Would-be flippers, be aware: Big-city condo prices are cooling down. Ask Kim: This month Kimberly Lankford answers your questions about credit scores and credit limits, whether to sell I-bonds and how to invest college savings. Reining in cell-phone charges and other college expenses ... Make the most of your HSA ... Outmaneuvering phone trees ... Tips from three champion super savers ... High-income earners get access to Roth IRAs. REWARDS Yukon Country Our car guy drives 1,000 miles through Alaska's big-sky country in GMC's big and powerful Yukon Denali -- which seems to feel right at home in the rugged terrain. Temptation: Island If you dream of Bali Ha'i, one of the more than 3,000 islands for sale here and abroad may be calling you. Plus: Island vacation rentals. Worth Every Penny Five things to ask about ice cream makers. My Story Great medicine, hair-trigger billing.