Kiplingers Personal Finance

2 KIPLINGER’S PERSONAL FINANCE^ 05/

CONTENTS

| HEALTHY LIVING |

64 BOOMERS GO BIONIC Joint-replacement

surgery could let you get back in the game.

70 FROM THE EXPERTS How to beat jet lag.

ALEX MARTINEZ

| INVESTING |

50 THE KIP 25 FUNDS DELIVER Our favorite

stock and bond mutual funds are on a roll. We

introduce only two new faces this year.

58 7 GREAT ALL-AMERICAN STOCKS Sticking

close to home should give them a leg up.

61 PRACTICAL INVESTING Can this fallen

| AHEAD |

11 TOPIC A: How a tax on imports could affect

you... Retailers use GPS to track your buying

habits... Knight Kiplinger on money and ethics.

16 SUCCESS STORY Sharing a taste of the

South, by PATRICIA MERTZ ESSWEIN.

18 OPENING SHOT Buy retail stocks at

wholesale prices, by JAMES K. GLASSMAN.

22 MONEY SMART WOMEN All-stars of

the Kip 25, by JANET BODNAR.

KIPLINGER’S PERSONAL FINANCE

FOUNDED 1947

VOL. 71 NO. 5

| IN EVERY ISSUE |

6 FROM THE EDITOR How to get good advice.

8 LETTERS Insure your income.

72 THEN AND NOW Merging their money and

their goals.

| MONEY |

24 MONEY MADE SIMPLE We know you’re

stressed out. Our strategies can help you simplify,

streamline and organize your financial life to free

up both time and cash.

34 YOUR MEDICARE FAQS Newly eligible?

Here’s what you need to know about the system.

37 GAME PLAN How can I reduce my property

tax bill? ON THE COVER: Photograph by Nicholas Eveleigh

38 ROLL YOUR MONEY INTO AN IRA? We

tell you when it makes sense to move your 401(k).

42 ASK KIM How long to hang on to tax records,

by KIMBERLY LANKFORD.

43 CUT CAR INSURANCE RATES Our six-step

plan can save you hundreds of dollars a year.

46 RETHINKING RETIREMENT Moving to be

near the grandkids, by JANE BENNETT CLARK.

48 DRIVE TIME How to get a great deal on a

new car, by DAVID MUHLBAUM.

49 CREDIT Deposit insurance has your back.

■ TOSHA TURNER IS

USING A 529 PLAN

AT WORK TO SAVE

FOR COLLEGE FOR

TWINS LINCOLN AND

LYRIC (PAGE 13).

biotech be revived? by KATHY KRISTOF.

62 INVESTING FOR INCOME What I’m telling

worried readers, by JEFFREY R. KOSNETT.

63 MORE ABOUT INVESTING Fund rankings.