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CONTENTS
KIPLINGER’S PERSONAL FINANCE
FOUNDED 1947
VOL. 73 NO. 5AHEAD
9 TOPIC A Shareholders are shaking things
up... How to right size next year’s tax refund...
The search for a better Zestimate.14 MILLENNIAL MONEY Get a head start
on college savings, by LISA GERSTNER.16 MONEY SMART WOMEN How to raise
money-savvy girls, by JANET BODNAR.18 OPENING SHOT The long-term allure
of dividends, by JAMES K. GLASSMAN.MONEY
22 COVER STORY
HOW TO MAKE A MILLION (OR MORE!)
Some reach the million-dollar milestone by
saving and smart investing, others by par-
laying a great idea into a thriving business.
We share the stories of people who succeeded
by being passionate, patient and persistent—
and by having a clear vision of what their
wealth could achieve. PLUS: How you can make
a million by saving, starting a business, invest-
ing in real estate and more.33 SPECIAL REPORT
ID THEFT Identity thieves are more skilled
at their nefarious craft than ever. We tell you
how to prevent tax and medical ID theft, credit
and debit card fraud, and phishing. PLUS: How
to protect yourself by freezing your accounts.46 ASK KIM When it pays to buy travel
insurance, by KIMBERLY LANKFORD.48 CREDIT AND YIELDS It’s easier to rent
a car with a debit card.INVESTING
50 THE KIPLINGER 25 FUNDS: A WELL-
TENDED FUND PORTFOLIO Our annual
update of our favorite no-load mutual funds
and how they fared over the past year.
PLUS: Portfolios to reach your goals, and a
new fund joins the Kip 25.58 INVEST LIKE BUFFETT What would Warren
do? Look for solid firms with serious competitive
advantages—like the ones we found.61 INCOME INVESTING Rewards that are
worth the risk, by JEFFREY R. KOSNETT.62 PRACTICAL INVESTING How to break
up with your stock, by JOHN WAGGONER.63 MUTUAL FUND SPOTLIGHT Vanguard’s
new ESG offering.LIVING
64 REMODELING FOR LIFE (WITH STYLE)
We’ve highlighted many potential improve-
ments, from small to large, that will not only
look good but also make your home more
livable for the long run.71 TECH How to build a website, by KAITLIN
PITSKER.IN EVERY ISSUE
4 FROM THE EDITOR I beat the ID thieves.
6 LETTERS Don’t skip state write-offs.
72 TAKEAWAY Free money! Follow the trail.■ A GROWING
BUSINESS LEADS TO
GROWING WEALTH.
PAGE 22ON THE COVER: Photograph by Ryan Donnell.
Hair and makeup: Lori Pressman (The Artist Agency).
Location: WeWork Metropolitan Square.05/2019 KIPLINGER’S PERSONAL FINANCE 1