12/2016 Kiplinger’s personal Finance 3

| H E A LTH Y LIVIN G |62 cash in on your good health Take advantage of wellness benefits to get in shape and save on health insurance premiums. 68 to your health When to get a second opinion, by nellie s. huang.

69 Kaiser health news how to dispose of drugs safely.

70 From the experts express yourself!

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| IN V E S TIN G |46 10 great stocKs For the next 10 years all have attractive growth prospects and could quadruple your money over the decade.

53 get 5% or more From preFerreds These hybrid stocks are a good source of income.

52 going long investors: Don’t fear higher rates, by jeremy j. siegel.

56 practical investing Why am i lagging? Blame it on 2015, by kaThy krisTof.

58 income investing get a boost from a floating rate fund, by jeffrey r. kosneTT.

| AH E A D |13 topic a: shopping malls expand into fun and games . . . The papa bear of a sports dynasty talks about raising five money smart men . . . knight kiplinger on money and ethics. 18 opening shot Want growth? focus on sales, by james k. glassman.

21 money smart women all in the fund family, by janeT BoDnar.

22 success story for the man who has everything, by PaTricia merTz essWein.

kiplinger’s personal financefounded 1947

Vol. 70 no. 12conTenTs

| IN E V ERY ISSUE |8 From the editor our personal best list.

10 letters “healthy” feedback.

72 then and now The Beckers make a move.

n solo travelers pay the same rates as couples For

overseas adventure travel’s tour to patagonia (page 32).

57 more about investing sequoia fund rebuilds (57). kiplinger eTf 20 update (59). kiplinger 25 update (60). fund rankings (61).

| M O NE Y |24 the best list our top picks for value in all the areas we cover—from funds, stocks and eTfs to credit cards and bank accounts to cars, college, kid stuff, phone plans, travel and health.

36 cut your tax bill now use these tips to keep more money in your pocket come april. 39 a smarter way to heat and cool your house a learning thermostat programs itself to make your system work more efficiently. ON THE cOVER: illustration by mary kate mcDevitt

42 your mind and your money it’s what you do that counts, by anne kaTes smiTh. 43 game plan can i use my ira to buy real estate?

44 asK Kim a flexible way to give to charity, by kimBerly lankforD.

41 more about your money holiday party etiquette (41). shopping with rewards points (45).

Kiplinger’s personal Finance 12/20164

HOUSING SHORTAGE LOOMS at first glance, the housing market looks okay these days. But build-ers can’t keep up with demand; starter homes are especially scarce.

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sTaTe-By-sTaTe guiDe To Taxes on reTireesfreshly updated with 2016 tax-law changes, our retiree Tax map lets you compare state taxes on income, property, your estate, more.

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| in T er ac T |SpEcIAL DEALS ON cOLLEGE TUITION kaitlin Pitsker reveals little-known ways to pay in-state tuition rates at out-of-state colleges.

| Q uiz yo ursel f |HOLIDAY TIppING QUIz how much should you tip your doorman for the holidays? your hair stylist? your kid’s teacher? our quiz sets you straight.

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