04/2017 Kiplinger’s personal Finance 1

contents

| H E A LTH Y LIVIN G |64 Keep your memory sharp senior moments are a fact of aging. But a healthy diet, regular exercise—aerobics plus strength and bal-ance training—and flexing your mental muscles can make a difference. plus: Rev up your recall. 68 to your health How to choose the right specialist, by nellie s. Huang.

70 From the experts get advice from a pharmacist.

Po

on

Wa

tch

ar

a-a

mP

ha

iWa

n

| IN V E S TIN G |52 13 stocKs For the tech revolution We name five innovations that are reshaping the future and 13 companies—start-ups and house-hold names—that let you get in on the action.

59 inFlation-prooF your assets even a modest rise in inflation can erode your portfolio. Here’s what to buy now to shore up your accounts.

58 practical investing a takeover boosts my portfolio, by katHy kRistof.

61 more about investing news of the kiplinger 25 (61). fund rankings (62).

| AH E A D |9 topic a: Brokers change pricing policies ahead of the pending fiduciary rule . . . How to snag a bargain overseas flight . . . iBM’s Watson tackles the tax code for H&R Block customers. 14 success story finding the green in your junk, by PatRicia MeRtz essWein.

16 opening shot Worrying about the bear? Don’t, by jaMes k. glassMan.

kiplinger’s personal financefounded 1947

Vol. 71 no. 4

| IN E V ERY ISSUE |4 From the editor our 70th anniversary.

6 letters Rewards card snag.

72 then and now a fighter pilot’s new career takes off.

| M O NE Y |20 70 ways to build wealth for this 70th anniversary issue, we have distilled our best advice to show you how to build, protect and enhance your wealth throughout your life. plus: 10 timeless tips from knight kiplinger.

40 home prices Keep climbing But with mortgage rates rising, too, homes will be less affordable and price increases should slow in 2017.

46 last-minute tax savers you can still ON THE cOVER: Photograph by Joseph Darrow

make moves that will trim your bill. and good news: you have until tuesday, april 18, to file.

49 asK Kim estate planning for snowbirds, by kiMBeRly lankfoRD.

48 more about your money e-mail etiquette (48). extend the life of your phone bat-tery (48). the cfPB fines two credit bureaus (50).

n Josh cohen hopes to Keep all oF the JunK his company hauls From going to landFills by 2020 (page 14).

Kiplinger’s personal Finance 04/20172

TAx BREAkS fOR INDEPENDENT cONTRAcTORS kim lankford re-veals opportunities to deduct health insurance premiums, retirement savings, your home office, more.

kiPlingeR.coM log on & eXplore

how to reach us: Subscriptions. for inquiries about ordering, billing or renewing a subscription, or to report address changes, please have your mailing label handy to reference your account number and visit us online at kiplinger.com/customer-service or call 800-544-0155, Monday through friday between 7 a.m. and midnight, saturday between 8:30 a.m. and 7 p.m., and sunday between 10:30 a.m. and 7 p.m. you can also write to kiplinger’s Personal finance, P.o. Box 62300, tampa, fl 33662, or e-mail us (personalfinance@customersvc.com). Reprints. PaRs international corp. (212-221-9595, ext. 237; e-mail, jennifer.eclipse@parsintl.com). Content licensing. e-mail licensing@kiplinger.com. Mailing lists. from time to time we make our subscriber list available to carefully screened companies whose products may be of interest to you. if you would rather not receive such solicitations, send your mailing label to P.o. Box 62300, tampa, fl 33662 and instruct us to exclude your name.

BuilD, PRotect youR WealtHtake a fresh look at your financial plans with valuable insights on tax planning, saving for retirement, protecting your estate and more from financial pros across the country in kiplinger.com’s new Wealth creation channel.

kiplinger.com/links/wealth

| in t eR ac t |4 GREAT MUTUAL fUNDS fOR fOREIGN STOckS foreign stocks are cheap relative to u.s. stocks—and starting to outperform them, says columnist steve goldberg.

| Q uiz yo uRsel f |IS IT TAx-DEDUcTIBLE? see if you can distinguish legitimate deductions from ones that might trigger an iRs audit.

kiplinger.com/links/taxdeductible

| co nnec t Wit H us |

stay up to date keep kiplinger at your fingertips and keep current on the latest stories by following us on facebook and Twitter.

facebook: kiplingerPersonalfinanceTwiTTer: @kiplinger

MOST POPULARtax-Planning guiDance on kiPlingeR.coM

1. the Most-overlooked tax Deductions kiplinger.com/links/overlooked

2. 10 Most tax-friendly states in the u.s. kiplinger.com/links/taxfriendly

3. 10 least tax-friendly states in the u.s. kiplinger.com/links/unfriendly

4. tax Withholding calculator kiplinger.com/links/withholding

5. Red flags for iRs auditors kiplinger.com/links/auditredflags

FEATURED

ALWAYS ON KIPLINGER.COM

| o nline s to Re | DON’T MISS THIS fREE OffER kiplinger alerts is an exciting new e-mail and online service that covers economic and political topics critical to your financial well-being and business success. get it fRee for 30 days.

kiplinger.com/go/alerts

| to o l | TAx WITHHOLDING cALcULATOR getting a tax refund this spring? adjust your tax withholding to pocket more of your paycheck throughout 2017. our easy tool shows you how.

kiplinger.com/links/withholding

souRce: BaseD on tRaffic on kiPlingeR.coM, 2016

• Business spending • Interest rates

• Trade deficit • Inflation

kiPlingeR’s econoMic outlookstay ahead with exclusive forecasts to guide your portfolio and business.

kiplinger.com/outlooks

• Energy• Retail sales

• Housing• GDP

kiplinger.com/links/foreign2017 sTeVe golDBerg @kiplinger

kiplinger.com/links/independent kiM lankforD @kiplinger

cLo

cK

WiS

E Fr

om

to

P: i

Sto

cK

Ph

oto

.co

m (

2), L

iSE

mE

tzg

Er

(2)