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KIPLINGER’S
PRACTICAL
GUIDE TO YOUR
MONEY
Keep more of it u Make it grow u Enjoy it u Protect it u Pass it on

New
Tax & IRA
Rules

TED MILLER
Kiplinger’s Personal Finance Magazine
KIPLINGER’S
PRACTICAL
GUIDE TO YOUR
MONEY
KIPLINGER BOOKS:
Kiplinger’s Practical Guide to Your Money
Kiplinger’s Practical Guide to Investing
But Which Mutual Funds?
Making Money in Real Estate
Buying & Selling a Home
Retire Worry-Free
Retire & Thrive
Dollars & Sense for Kids
Next Step: The Real World
Home•ology
Taming the Paper Tiger at Home
The Consumer’s Guide to Experts
Know Your Legal Rights
Switching Careers
Financing College

KIPLINGER’S BUSINESS MANAGEMENT LIBRARY:

Fast-Track Business Growth
Business 2010
Customer Once, Client Forever
Raising Capital
Taming the Paper Tiger at Work
Cash Rules
Hunting Heads
Parting Company
You Can’t Fire Me, I’m Your Father

Read excerpts of all our books and order

on our Web site (www.kiplinger.com/books)

For information about volume discounts contact:

Cindy Greene
Kiplinger Books & Tapes
1729 H Street, N.W.
Washington, DC 20006
e-mail: [email protected]
202-887-6431
[email protected]
KIPLINGER’S
PRACTICAL
GUIDE TO YOUR
MONEY
Keep more of it u Make it grow u Enjoy it u Protect it u Pass it on

TED MILLER
Kiplinger’s Personal Finance Magazine

KIPLINGER BOOKS
Washington, DC
 Published by
The Kiplinger Washington Editors, Inc.
1729 H Street, N.W.
Washington, DC 20006

Library of Congress Cataloging-in-Publication Data

Miller, Ted, 1944-

Kiplinger’s practical guide to your money : keep more of it, make it grow, enjoy it,
protect it / Ted Miller.--1st ed.
p. cm.
Includes index.
ISBN 0-938721-93-3 (pbk. : alk. paper)
1. Finance, Personal. I. Title: Practical guide to your money. II. Kiplinger’s personal
finance magazine. III. Title.

HG179 .M492 2002

332.024--dc21
2002016041

© 2002 by the Kiplinger Washington Editors, Inc. All rights reserved. No part of this book may
be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or by an information storage and retrieval system, without the written
permission of the Publisher, except where permitted by law.

This publication is intended to provide guidance in regard to the subject matter covered. It is
sold with the understanding that the author and publisher are not herein engaged in rendering
legal, accounting, tax or other professional services. If such services are required, professional
assistance should be sought.

9 8 7 6 5 4 3 2 1

First Edition. Printed in the United States of America.

Cover design by Dan Kohan

 Acknowledgments
I
had a lot of help with this book. Nobody knows
everything about a subject as broad and change-
able as personal finance in America today. But if
enough people pay careful attention as a team,
they can come pretty close. This book is a prod-
uct of that kind of teamwork, and the staff of Kiplinger’s
Personal Finance Magazine were the team.
These are the people I have worked with every
day—the writers and editors who have spent years
learning the ins and outs of money management, in-
vesting, taxes, credit, insurance and all the other facets
of this vast and vital subject. I have learned much from
them, and what I have learned is reflected in these
pages. This book is dedicated to them: Rosemary
Beales, Janet Bodnar, Kristin Davis, Fred Frailey, Mary
Beth Franklin, Robert Frick, Steven Goldberg, Ed
Henry, Brian Knestout, Jeffrey Kosnett, Kimberly
Lankford, Michael Martinez, Kevin McCormally,
Courtney McGrath, Sean O’Neill, Elizabeth Razzi,
Ronaleen R. Roha, Catherine Siskos, Anne Kates
Smith, Mark K. Solheim and Melynda Dovel Wilcox.
In addition, the magazine’s staff of reporters, headed
by Magali Rheault, has much to do with the accuracy
of what’s in this book. My thanks to them, also.
Certain individuals deserve particular mention.
Kevin McCormally vetted all the tax information and
advice you’ll find here, and helped me clarify more
than a little of the non-tax stuff, too. David Harrison
also trained his eagle eyes on the copy. Norma Shaw
did the spadework for a number of chapters and the
updating for this edition. Rosemary Beales’s expert
copy editing and Allison Leopold’s proofreading

v
 KIPLINGER’S PRACTICAL GUIDE TO YOUR MONEY

smoothed out the rough spots. Dayl Sanders helped

me get organized to address the immensity of the
original project.
As an editor myself, I am familiar with the de-
mands of the job. I hope I bring to it as much dedica-
tion, perseverance and determination as Jennifer
Robinson demonstrated to me in editing the hardcover
edition of this book. She was my editor. She cared
about this book, and her caring and skill made it much
better than it otherwise would have been.
The cover design for Kiplinger’s Practical Guide to
Your Money is the work of Daniel Kohan, and the inside
pages were designed by Heather Waugh. Thanks to
them for their beautiful work.
Finally, I want to thank my wife, Carolyn Clark
Miller, for her patience and support during the writing
of this book. I could not have done without it.

T HEODORE J. M ILLER

vi
 Contents
INTRODUCTION XIII

PART ONE: TAKE CHARGE OF YOUR MONEY

Chapter 1: First, Take Charge of Your Money 3
Where Are You Now? • Cash Flow • Your Net Worth •
Why You Must Set Goals • Nitty-Gritty Budgeting • Plugging
the Holes in Your Budget

Chapter 2: How to Boost Your Savings 19

Certificates of Deposit • Interest-Earning Checking Accounts •
Money-Market Deposit Accounts • Money-Market Funds •
Asset-Management Accounts

Chapter 3: The Smart Use

(and Common Abuse) of Credit 29
How to Get Out of Debt • Finding the Best Credit Deals •
Credit a la Card • Finding the Best Credit Card Deal • Travel
and Entertainment Cards • Debit Cards • Other Lines of Instant
Credit • Overdraft Protection • Credit Card Cash Advances •
Retail Installment Credit • Borrowing With Collateral: Equity
in Your Home, Life Insurance Policies, Stocks and Bonds •
Other Kinds of Loans: Unsecured Personal Loans, Debt-
Consolidation Loans • How Lenders Size You Up • If You
Are Denied Credit • Other Laws That Protect Your Rights

Chapter 4: Banking Today 55

Sizing Up Banks and S&L’s • Banking Online • Sizing Up
Credit Unions • Sizing Up Brokerage Firms

PART TWO: YOUR HOME

Chapter 5: Buying a Home 67
Three Reasons to Own • How Much Home Can You
Afford? • What Kind of Home Should You Buy? • Starting
From Scratch • Buying a Condo or Co-op • How to Get the
Most From a Real Estate Agent • Get a Home Inspection
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Chapter 6: How to Be a Mortgage Maven 89
What It Takes to Get a Mortgage • Loan Lingo: Interest and
Points • Loan Lingo: The Different Kinds of Mortgages • How
Much Will the Payments Be? • Serious Mortgage Shopping •
Checklist for Comparing ARMs • Creative Financing for
Difficult Markets • Should You Refinance Your Mortgage?

Chapter 7: Selling Your Home 109

Hiring a Real Estate Agent • How to List Your Home •
Selling Without an Agent • Tax Angles for Home Sellers

Chapter 8: Rent to Your Heart’s Content 115

A Lease You Can Live With • Protecting Your Possessions •
When the Landlord Won’t Fix It

Chapter 9: Owning a Vacation Home 121

Buying the Place • Renting It Out • Should You Buy a Time
Share? • Selling a Time Share (Alas!)

Chapter 10: Homeowners Insurance 129

Coverage for the House and Contents • Liability Coverage •
How Policies Differ • Insurance for Older Homes • Finding
the Best Deal • Take Inventory • Making a Claim • A Guide
to Homeowners Policies • Other Types of Home-Related
Insurance: Title Insurance, Flood Insurance, Umbrella
Liability Insurance

PART THREE: YOUR CAR

Chapter 11: Controlling the Cost of Your Car 143
Choosing the Right Car • Getting a Good Deal: Set a Target
Price, Consider a Clone, Shop Late in the Month, Check
Inventories, Look for Incentives, Hire Some Help, Join a Club •
The Lure of a Lease

Chapter 12: Insuring Your Car 161

Liability Coverage: In Case You’re at Fault • How Much
Coverage Do You Have? • How Much Coverage You Need •
Crash Protection • Medical Payments: Coverage You May Not
Need • Protection Against Uninsured and Underinsured Drivers •
Comprehensive Coverage • No-Fault Insurance • How Your Rate
Is Set • Getting a Good Deal • How to Make Sure You Get Paid
PART FOUR: YOUR MONEY AND YOUR LIFE
Chapter 13: The Money Side of Marrying 185
What to Know Before You Marry • Choose a Family
Accountant • Joint Accounts or Separate? • Review Your
Insurance • Get Ready for Higher Taxes • Write Two Wills •
Prenuptial Agreements • Considering Joint Ownership •
When Seniors Tie the Knot

Chapter 14: The Dollar Side of Divorce 199

Community-Property States • Non-Community-Property
States • Angles on Alimony • Child Support • Staying Out
of Court • Do It Yourself?

Chapter 15: Your Kids and Your Money 203

Raising Money-Smart Kids • Teaching the Value of Money •
What Preschoolers Can Learn • Elementary-School Age:
Start Good Habits • Teenagers: Make Allowances •
Kids Owe Taxes, Too • Ways to Give Money to Children •
Using Custodial Accounts

Chapter 16: Paying the Price of College 213

Where to Stash Your College Cash • Zero-Coupon Bonds •
U.S. Savings Bonds • Tuition Savings Plans • Education IRAs •
The Roth Alternative • When College Bills Are Due • Hope
Scholarship Credit • Lifetime Learning Credit • Getting Financial
Aid • Sources of Aid: Pell Grants, Federal Loan Programs,
Private Loan Sources • Scholarships of Broad Interest

Chapter 17: Funeral Finances 235

Put It in Writing • Pay Now, Die Later? • A Better Way to
Pay Ahead • When the Funeral Is Now • The Cost of Burial •
Finances After the Funeral

Chapter 18: The Money Squeeze

of Aging Parents 245
Do They Need Your Help? • What If They Become
Incapacitated? • Health Care Proxy • Durable Power of
Attorney • Where Will They Live? • Should They Move In? •
Options for Elderly Housing: Independent Living, Assisted
Living, Continuing Care, and Nursing Homes • When Your
Parents Need You • Helping at a Distance
PART FIVE: PROTECTING YOUR LIFE AND HEALTH
Chapter 19: Buying the Right Life Insurance 263
What Have You Got? • When Should You Buy Life
Insurance? • How Much Do You Need? • The Life Insurance
Menu • The Case for Term Insurance • The Case for Whole-Life
Insurance • The Itch to Switch • Variations on Whole Life •
The Best Policy at the Best Price • Second-to-Die Insurance •
How Safe Is the Insurance Company? • Making Sense of the
Ratings • Making Sure the Right People Collect • Picking the
Payoff Method • Life Insurance by Mail

Chapter 20: Buying Health Insurance 289

Fee for Service: Health Coverage the Old-Fashioned Way •
Managed Care #1: Preferred Provider Organizations •
Managed Care #2: Health Maintenance Organizations •
How COBRA Protects You Between Jobs • How to Check Up
on Your Health Plan • Medical Savings Accounts • Medical
Reimbursement Accounts • What If You Can’t Work? Why
You Need Disability Insurance • Medicare • How Medigap
Insurance Plugs the Holes • Long-Term-Care Insurance •
Insurance for Healthy Teeth

Chapter 21: Think Twice About This Insurance 319

Life Insurance for Kids • Credit Life Insurance • Hospital
Indemnity Insurance • Dread-Disease Insurance • Student
Accident Policies • Credit Card Insurance • Health Insurance
for Pets

PART SIX: INVESTMENTS FOR TODAY

AND TOMORROW
Chapter 22: How to Have
Investing Smarts All the Time 327
You’re Going to Need a Plan • Set Exciting Goals • Adopt
a Clear-Cut Strategy • Pay Attention • Control Your Risks •
Make Investing a Habit • Don’t Get Stuck in a Rut • Don’t
Fool Yourself • How Not to Get Ripped Off • Hiring Help:
How to Pick a Financial Planner

Chapter 23: How to Make Money in Stocks 339

What Makes a Good Stock? • Where to Find Out About
Stocks • Getting a Little Technical • What’s Your Plan? •
How to Find the Right Broker • Full-Service Brokers •
Discount Brokers • Online Brokers • Opening Your Account •
If You Need to Tangle With Your Broker • Investing With
a Club • Stupid Stock Tricks

Chapter 24: What You Should Know

About Bonds 361
A Primer for Bond Buyers • Why Quality Counts • Buying
and Selling Bonds at a Discount • Before You Buy Any Bond •
How “Zeros”-Can Add Up • Uncle Sam’s Bonds • Treasury
Bills • Treasury Notes • Treasury Bonds • U.S. Securities: Close
Enough to the Real Thing • Ginnie, Fannie and Freddie: Mortgage-
Backed Securities • Collateralized Mortgage Obligations: Take
a Pass • U.S. Savings Bonds • The Enduring Allure of Municipal
Bonds • Different Ways to Buy Munis • Advantages of Funds
and Unit Trusts • Zero-Coupon Municipals • Insurance on
Your Munis • Swapping Munis to Save Taxes

Chapter 25: Making It Big With Mutual Funds 391

How Funds Work • Sales Loads and Other Charges • How
to Pick a Winning Fund • Different Strokes for Different
Folks • How to Tell How You’re Doing • Should You Be
Open to Closed-End Funds? • Money-Market Funds: Keeping
It Short • Unit Investment Trusts

Chapter 26: Investing in Real Estate 409

The Lure of Leverage • Tax Breaks in Real Estate •
Exchanging Rental Properties • Selecting Profitable Rental
Properties • Real Estate Investment Trusts (REITs) • Real
Estate Limited Partnerships • The Risks in Raw Land

Chapter 27: Walk On By:

Investments You Can Live Without 421
Gold’s Lost Luster • Silver: Not as Good as Gold • Collectibles:
Buy What You Like • Stock Options: Opt Out • No Future
in Commodities

Chapter 28: Taxes You’ll Pay (or Not)

on Your Investments 427
Tax Angles of Savings Accounts • Working Around the
Kiddie Tax • Learning to Love Your Basis • Capital Gains
and Losses • Saving Taxes on Stocks • Saving Taxes on Bonds •
Saving Taxes on Mutual Funds • Taxes on Life Insurance and
Annuities • Deduct Your Investment Expenses? Maybe

PART SEVEN: YOUR RETIREMENT AND

ESTATE PLANNING
Chapter 29: Money Enough to Retire On 449
How Much Will You Need? • Where Will You Get It? • How
Much Time Do You Have? • Checking Up on Your Pension •
Defined-Contribution Plans • Defined-Benefit Plans • The Growing
Role of the 401(k) • Employee Stock Ownership Plans • Profit-
Sharing Plans • Individual Retirement Accounts • Roth IRAs •
Variable Annuities • Retirement Plans if You’re Self-Employed •
Keogh Plans • Simplified Employee Pensions • SIMPLE IRAs •
Social Security: Don’t Sell It Short • What to Do With a Lump
Sum at Retirement • Using Home Equity for Retirement

Chapter 30: Where There’s a Will,

There’s an Estate Plan 493
Six Steps to a Good Will • Estate-Planning Basics • The Role
of Probate • How Large Is Your Estate? • Federal Estate and
Gift Taxes • Your State Wants a Share, Too • Putting Your
Trust in Trusts • The Overselling of Living Trusts • Seven
Reasons to Change Your Estate Plan

APPENDIX
State Securities Regulation Offices 509
Federal Reserve Banks 516
Guide to Recordkeeping 518
Glossary 525

INDEX 547
 Introduction
f ever there was a subject prone to information

I overload, personal finance is it. Advice on man-

aging your money comes at you in a torrent
from countless sources — magazines, books,
newspapers, the Internet, radio and television,
and—increasingly—from companies trying to sell you
their financial products.
The dilemma most people face isn’t having enough
information, but having too much. The challenge is
culling it to find advice that is accurate, clear, trustwor-
thy, untainted by commercial interests and—yes—
practical.
The dictionary defines “practical” as “useful,” “dis-
posed to action,” and “not theoretical or abstract.” Those
words sum up very well the advice that my colleague
Ted Miller offers in every chapter of this book. He
knows that financial strategies that are overly complex
and time-consuming just won’t be implemented by busy
Americans with other priorities—such as earning a liv-
ing, raising children and helping in their community.
So Ted has cut through the information clutter on
your behalf, focusing on time-proven ways to make
your money grow, enabling you to achieve the financial
independence you seek. This book will help you set re-
alistic goals and design ways to reach them. It is a com-
plete personal-finance manual, with treatment of
budgeting, saving and investing, buying a home and
car, insurance, getting ready for retirement and the ba-
sics of estate planning. There are, of course, entire
books written on each of these subjects—including
some excellent ones from our own book division. But I
think you’ll be pleasantly surprised to find that most of

xiii
 KIPLINGER’S PRACTICAL GUIDE TO YOUR MONEY

what you really need to know is included in this book.

Ted Miller is a master of the no-nonsense approach
to money management that has evolved over 55 years
in the pages of Kiplinger’s Personal Finance Magazine. He
served our magazine as its editor for more than a
decade, before becoming editorial director and senior
vice president of the parent company. The magazine’s
approach is straightforward, down to earth and free of
tricks and gimmicks.
When Kiplinger’s magazine was founded in 1947, it
was the first periodical that wrote extensively about
personal finance for the American family. It was a pio-
neer in urging Americans to invest in growth stocks
rather than low-yielding savings accounts and bonds. It
deciphered the mysteries of life insurance, becoming
an early champion of high-coverage, low-premium
term insurance for young families with children to pro-
tect. It introduced its readers to a new way of investing
through “investment trusts”—now known as mutual
funds—that brought the benefits of portfolio manage-
ment and diversification to small investors.
We at Kiplinger’s have always cautioned our readers
against the temptation of get-rich-quick schemes and
exotic investment techniques—commodities, options,
limited partnerships, etc.—that tend to enrich brokers
more than investors. We are also skeptical of Initial
Public Offerings of stock, because in our experience,
you can usually buy the same shares later for a lower
price, after the hype is gone and the company has set-
tled down to its normal business. We preach the beauty
of diversification, with holdings of bonds leavening the
short-term risks of stocks. And we never bought into
the breathless euphoria in the late ’90s over the “dot-
com” stocks of the Internet boom, which crashed and
burned in early 2000. We told our readers that specu-
lators and naive investors were paying an outrageous
price for start-up companies that had little prospect of
ever being profitable.
Kiplinger subscribers who followed this advice
fared relatively well in the humbling bear market that
began in early 2000 and continued through the eco-

xiv
Introduction

nomic recession after the terrorist attacks of Sept. 11,

2001. Why? Because they were holding a broad array
of quality stocks, not over-heavy in the slumping tech
sector, and they also had offsetting holdings in CDs,
bonds and money market funds.
We think your goal should be to get rich slowly—
a very achievable goal if you follow some simple rules.
We’ve never believed in stock market timing, be-
cause we don’t think anyone can time the peaks and
valleys very well, especially in the increasing volatility
of today’s global markets. That’s why Kiplinger’s was an
early advocate of the investment technique called
“dollar cost averaging,” the disciplined investing of
money in markets that will be, at one time or another,
low, high and in between. That’s just one of the effec-
tive strategies that Ted Miller explains in this book.
The first decade of this century—the new millenni-
um—will be a fascinating, challenging time, fraught
with peril but equally rich in opportunities. . . for the
well-prepared and well-informed. There will be more
market turbulence than ever before. Competition
among nations will be heightened by an accelerating
flow of goods and capital. The workplace will be roiled
by changes in demographics, technology, regulation
and new ways of managing people and business struc-
tures. Loyalty between employers and employees will
diminish, boosting the rate of job and career changes.
Social security—while always “being there” for future
retirees—won’t be nearly as good a deal as it is for
today’s seniors. Lucrative corporate pensions will con-
tinue to give way to 401(k)s and IRAs, funded largely
by employees themselves.
All of this means that people must take more indi-
vidual responsibility for their own futures, with contin-
uous education, retraining, strategic job changes
and—every step of the way—smart financial planning.
Americans have never before faced so many choices
of how to manage their money. The options are so
many that some folks are dismayed and paralyzed, not
knowing where to start. This book will give you the con-
fidence to get started, or if you’re already underway, a

xv
 KIPLINGER’S PRACTICAL GUIDE TO YOUR MONEY

reality check on whether your plan is sound. Either

way, you’ll have the confidence of knowing that you’re
walking a path that has led thousands of others to fi-
nancial security over five decades.
On behalf of author Ted Miller and our colleagues
at Kiplinger, I wish you the best of good fortune on the
journey ahead.

K NIGHT A. K IPLINGER
Washington, D.C.
February, 1, 2002

xvi
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