Table Of Content

INDEX oF ARTICLES ANNUITIES mutual fund infermation immediate Dec 87 Oct 44, Dec 31 Rates Fes 128 World Wide Web access May 13 Variable Jui 53 CONSUMER ALERT BANKING Business opportunities Oct 78 ATM fees Apr 18 Cellular-phone clones Aus 97 ATM thieves May 107 Checking cut 2 business Nov 112 Banking and budgeting software Credit card fraud Jui 62 Oct 114 Homeowners associations Jan 36 Bank-sold mutual funds Jui 14, Insurance churning Oct 97 Sep 134 Land liquidators Sep 142 Branch closings Mar 18 On-line investing scams Fes 56 Certificates of deposit Jun 26, Scam alert (oldies but goodies) AuG 24 Mar 89 bump-up May 106 Buick Riviera Fes 135 Telemarketing Apr 10, Oct 114 callable Oct 14 Cadillac DeVille Concours Jun 122 Weimar bank notes May 119 Checking Car/Puter Nov 123 Yankees baseball Dec 116 CREDIT fraud May 14 Financing JuN 28 Car financing Jun 28 stop-payment orders Jui 94 Insurance premiums May 105 COMMUNICATIONS Convenience checks Jul 28 Choosing a bank JAN 81 Leasing Fes 132, Oct 113 Cellular phones AuG 97 Credit cards Confidentiality APR 117 Luxury-car prices Nov 124 Directory-assistance service arbitration for disputes AuGc 15 Credit union failure APR 16 Negotiating the best deal Dec 60 Oct 115 authorization charges Mar 132, Debit cards Fes 16, May 14 1996 buying guide Dec 53 “800” numbers Apr 118, Dec 16 Ju 8 Deposit insurance Mar 16, May 118 Off-lease cars May 85 Long-distance service Apr 18, best deals JAN 112, Apr 32 Mali banking kiosks Apr 120 Safety features Nov 125 Aus 109, Dec 101 for 401(k) Nov 16 Smart cars Jun 14 fraud Jui 62 CAREERS AND JOBS Kiplinger's grace periods Sep 17 Golf pro May 124 CHARITIES AND VOLUNTEERS wna finan? Vagasine hidden costs Fes 34, Nov 22 Home businesses JAN 93 AmeriCorps Nov 17 low-cost loans Dec 100 Job-hopping JAN 136 Community foundations Fes 138 teaser rates Jui 93 Jobs for recent grads Mar 110 Donating Credit reports Jun 104 cars Fes 134 Cutting credit costs Mar 123 | ANNUAL FORECAST ISSUE he land Mar 160 Financial privacy Auc 38 Mail-order catalogs, nonprofit Full-service replacement cards FeB 136 AuG 96 Nonprofit groups, evaluating ; Home-equity borrowing May 12, Nov 75 Telephone add-on services Mev 28, Nov 51 Receipts for tax purposes Sep 15 Mar 150 Medical-bill errors Jan 34 Volunteeis’ liability protection Telephone calling cards Sep 134 Rebate cards JuN 14, Jun 104, Dec 18 Voice-mail options Nov 16 Oct 30 Zero-percent offers Mar 134 COLLECTIBLES COMPUTERS Outlook 1995 Jan 40 Annual reports Mar 84 Banking and budgeting software THE ECONOMY Relocation expenses JAN 120 Cartoons, newspaper Sep 142 Oct 114 Baiancing the budget Jun 116 Social security taxes JAN 15 Coins Oct 124 CD-ROM rentals Oct 15 Bankruptcies, personal Dec 17 Working abroad Jun 128 Counterfeit money Fes 140 Computer prices Mar 18 Contract With America Jan 44 Elvis recording Auc 106 Discounts for students AuG 14 Cost-of-living adjustments (COLAs) CARS AND OTHER VEHICLES Holiday collectibles Dec 99 Electronic bill-paying Apr 79 May 53 Accident guidelines Jun 121 JFK doodles Apr 134 Financial privacy AuG 38 Dollar coin Aus 14 Air bags Nov 124 Masonic medallions Mar 148 On-line Federal Reserve Board Sep 18, Anti-lock brakes Fes 134 Silver certificates Nov 120 car shopping Sep 145 Nov 15 Books for car buyers Ju. 109 Simpson, 0.J., football cards house hunting Jui 96 Household income Nov 18 January 1996 KIPLINGER’S PERSONAL FINANCE MAGAZINE 119 1995 INDEX Inflation, personal JAN 59 Mental health care Dec 110 Assessments for improvenients Annual reports Mar 81 Outlook 1995 Jan 40 Radiai keratotomy May 114 Oct 118 Arbitration for disputes Fes 144 States’ cash surpluses Apr 17 Telephone advice lines Jur 102 Building plans, off-the-shelf Big ideas for a little money Toothbrushes, high-tech Oct 122 Dec 105 Jun 43 EDUCATION Water filters Oct 116 Buyer’s market Apr 16 Books Apr 42 Accelerated college-degree KIPLINGER'S Buying an unbuilt house AuG 77 Brokers programs Jui 14 Capital gain on sale JAN 126 continuing education Sep 15 College and second career Dec 116 Carbon-monoxide detectors Dec 108 discount Fes 140, Oct 73 College-campus video tours Jul 95 BEST Huome-equity borrowing May 12, hometown Jun 66, JuL 8 College costs Mar 17, AuG 63 May 28, Nov 51 for smal! accounts Dec 116 prepaid college tuition plans HIELDS Homeowners associations JAN 36, trade deadlines Aer 17 May 13, Nov 101 May 112, Ju. 106 Certificates of deposit May 106, scholarships Oct 132 Home prices outlook Jan 52 JUN 26, AuG 24, Oct 14 student loans Apr 16, Jun 14 Landscaping for energy savings Credit unions Oct 28 College graduation guarantees Oct 118 Dollar's resurgence Nov 26 Nov 112 Mortgage insurance AuG 102 Good bets for your money JAN 45 Savings bonds and college tuition Weight-loss programs Apr 124 Mortgage reporting services Dec 24 ' Financial mistakes Dec 43 JAN 126 Weighted exercise shorts Sep 141 Mortgages Interest rates Mar 30, Apr 30 Workouts adjustable-rate Jur 14 international investing May 32, ESTATE PLANNING mobile Jun 109 escrow accounts Mar 140 Jut 38, Sep 38 Executorship Fes 107 multimedia Mar 138 FHA JAN 121, May 113 Investment clubs Mar 37, May 34 How-to kit for dawdlers Jun 71 for seniors AuG 100 financed by parents Nov 120 Limited partnerships Jan 14, and securities Apr 134 water Ju 104 prepayment Mar 148, Dec 116 Trusts AuG 89 rate lock-ins JuL 28 HEALTH INSURANCE, refinancing AuG 26 FAMILY FINANCES DISABILITY INSURANCE reverse AuG 104 Adopting a Russian child Dec 144 AND MEDICARE Property-tax assessment Mar 75 Athletic shoes Nov 18 Breast cancer costs Apr 136 Remodeling diary JuN 83 Baby expenses Sep 133 Disability insurance Apr 126, Selling your house Fe3 85 Chicken-pox vaccine AuG 101 Nov 67 Strategies for buyers and sellers Day care, emergency Sep 14 Health insurance purchasing May 108 Elderly -arents Jun 59, Dec 91 co-ops Ju 15 Tenant creditworthiness JAN 37 Family leave Jut 103 HMOs Utility rebates Auc 105 Family values Nov 34 access to specialists Fes 120 Warranties, new-home Jan 118, Kids and money (Dr. Tightwad) medicare May 114 Fes 8, AuG 78 Money-market funds Mar 28, JAN 103, May 95, Nov 42 premiums Jun 106 Sep 123 Kids’ money-smart readin-g Jun 105 report cards Mar 17, Oct 120 INSURANCE E-Fund Dec 23 Hospitalization coverage Mar 136 See also: Cars, Health Insurance, expense waivers May 26 for maternity Oct 15 Homeownership full-fee Oct 30 ur Ggis Medical cost inflation Jan 13 Accelerated benefits Fes 36 high-minimum Nov 21 Medical Information Bureau Churning May 13, Oct 97 safety May 34 Dec 114 Direct sales JUN 12 Strong Money Market Mar 36 Medicare Mall kiosks Apr 120 taxable Fes 34 healthier seniors Oct 13 | Negotiating claims Jun 95 tax-free APR 32, Nov 92 overcharges Mar 139 New York Life Nov 113 Orange County, Cal. Apr 73, Jun 8, 7 ae Medigap coverage Fes 128 Ratings Fes 37, Ju. 93, Dec 102 Jun 11 for disabled people Fes 122 State insurance departments Portfolios: models for 6 ranges Medicare Select Auc 14 on-line Dec 17 May 36 Nanny News newsletter Fes 34 Orthodontic benefits Fes 120 Psychology of investing AuG 68 Pet care Apr 17 Pain medication Apr 127 Russia JAN 14 Sandwich generation Jun 59 Paperwork errors JAN 124 Safe havens Jun 8 Toys Dec 18 Second opinions Sep 138 Savings bonds JAN 126, Fes 15, Year-end claims Nov 114 May 12, May 118, jut 26, HEALTH AND FITNESS Oct 124 Americans With Disabilities Act HOME OFFICE Savings goals Apr 46 (ADA) Sep 140 Armoire offices May 108 SEC’s toll-free number JAN 28 Chicken-pox vaccine AuG 101 Combination printers/fax/ copier Timely strategies Jui 42 Cholesterol tests Nov 117 machines Mar 140 Total return JAN 111, Nov 120 Clinton’s home gym JAN 124 Insurance coverage AuG 104 Year-end moves Dec 36 Dental procedures, cosmetic New Year's resolutions Jan 118 | Term life May 14 Yen JAN i126 Jun 108 Time-management software Umbrella liability Ju. 81 Yield curves Mar 42 Electronic house calls Fes 124 Dec 106 Variable universal life May 106 Yields, best Apr 48 Emergency-room rights AuG 98 Windows 95 Oct 118 Volunteers’ liability Dec 18 Exercise equipment Dec 112 MONEY MANAGEMENT Fitness catalogs Nov 116 HOMEOWNERSHIP INVESTING AND SAVING Advice for parents Fee 69, Health newsletters May 117 Adjusted basis Dec 106 See also: Annuities, Mutual Funds, Mar 103 Mall health emporiums Oct 122 Appliance manufacturers’ help Real Estate Investing, Stocks Budgeting Jan 63 Malpractice Jan 122 lines Mar 144 and Bonds Electronic bill-paying Apr 79 120 KIPLINGER’S PERSONAL FINANCE MAGAZINE January 1996 Electronic cash cards Jut 15 Books Jun 38 PBHG Emerging Growth Mar 20 Short-term bond Apr 26, Apr 36 Family values Nov 34 Broker-sold Auc 106 Permanent Pertfolio Treasury Bill Single-state muni bond funds Financial mistakes Dec 43 Bruntjen’s funds revisited Oct 36 Fes 18 Nov 89 Gambling Nov 140 Capital gains JAN 76 Prospectuses AuG 13, Oct 37 65-year records Oct 22 Margin loans AuG 37 Closed-end May 74, Jun 33, Nov 28 Size and performance Jun 53 Money managers Fes 63 Contrarian Sep 43 Smail-company funds May 17, One income vs. two Fes 119 Dodson, Jerome (interview) Oct 90 AuG 17, Nov 133 Rainy-day money Mar 148, Nov 111 Eaton Vance Short-Term Treasury Socially conscious funds Jan 126 Relocating Jut 72 Fes 18 Strong funds Jan 26 Fidetity Contrafund Dec 135 Strong Municipal Bond Jui 32 MUTUAL FUNDS Fidelity Magellan Sep 32 Tax basis Mar 56, Dec 16 Affinity funds Jan 67 Funds of funds Jun 19 Technology-shunning Jun 22 Alger funds Nov 133 Govett Smaller Companies Jut 17 Ea rai ke Technology stocks AuG 17, Dec 135 Annual reports Ju. 69 Hirsch, Michael (interview) Apr 104 Telephone directory Sep 129 Asset allocation funds May 57 Hotlines Jui 17 Templeton Russia fund Dec 30 Improper trading Dec 31 Rankings Top performers Sep 53 index funds May 101, Oct 17 by one-, three-, and five-year to thrive in "95 Jan 50 International funds May 20, Sep 38 return Sep 47 Transaction deadlines AuG 30 TIMELY Janus Mercury JAN 16 by three-year return Mar 59 Twentieth Century Value May 17 Janus Twenty Dec 31 single-state muni bond funds Vanguard Windsor Fes 28, Dec 28 Bm # PICKS: Japanese stocks Nov 136 Nov 93 Vinik, Jeff Sep 32 Longleaf Partners Apr 21 stock, bond and money-market Wanger, Ralph (interview) Fes 100 Low initial minimums Fes 49 funds Sep 30 Warburg Pincus International Apr 37 Megafunds Dec 8 Redeeming fund shares Apr 111 Weatherproof funds Nov 44 Mergers Apr 21 Risk ratings Jun 32 Worst funds of '94 Mar 26 Misnamed funds Fes 113, Nov 57 Risky funds Dec 39 Yacktman, Donald (interview) Bank-sold Sep 134 Montgomery Asset Allocation Oct 17 Robertson Stephens Value + Growth Auc 80 Barings May 34 Muni bond funds Jut 20, Sep 115 Jun 19 Bear-market recovery Dec 140 New funds Apr 10, Apr 68 Royce Low-Priced Stock AuG 30 REAL ESTATE INVESTING Best funds for your goals Mar 45, On-line information Oct 44, Sanborn, Robert (interview) Jun 88 Real estate investment trusts Sep 10 Dec 31 Sector funds Jun 79 (REITs) Mar 17, Ju. 50 Bond fund expenses Sep 97 Overachiever funds Auc 20 Selling funds Mar 95 Vacation homes Apr 59 Looking to supplement your retirement savings? 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Scudder Investor Services, Inc Distributor January 1996 KIPLINGER’S PERSONAL FINANCE MAGAZINE 1995 INDEX RETIREMENT AND SOCIAL Grocery scanning, do-it-yourself First stock purchases Nov 83 Takeover targets Mar 15, Ju 32 SECURITY Sep 14 Gannett Oct 36 3Com Jui 34 Income needed Jun 118 Lotteries, foreign Nov 120 Gillette Auc 34 Treasuries JAN 126, Fes 29, Fes 95, Retiring abroad Apr 132 Mail-order gourmet food Dec 119 B.F. Goodrich Dec 32 Mar 134, Sep 20 Senior on-line services JUN 110 Mattresses JuL 93 Growth stocks May 44, Jui 8 Viacom Oct 38 Social security Oriental rugs Oct 127 Harley-Davidson Jun 32 Wackenhut Corrections Corp. benefits Fes 130, Apr 154 Satellite television May 121 Health stocks Mar 37 Fes 28 earnings test Apr 130 Store return policies Jun 103 High-tech stocks downturn Dec 30 Yields, stock Ju 30 reform Fes 16 Wedding costs May 64 Zero-coupon bonds Jut 77 taxing benefits Mar 146 trust fund Dec 16 STOCKS AND BONDS TAXES Taxes on retirees AuG 57 Acordia May 38 Capital gains Jan 76, JAN 126 ACX Technologies Sep 24 Charitable contributions RETIREMENT PLANS, Alberto-Culver AuG 34 donating cars Fes 134 PENSIONS AND BENEFITS AlliedSignal jun 34 receipts Sep 15 Baby-boomer retirement plans American Cyanamid May 119 College tuition write-offs Jun 118 Oct 50 American depositary receipts Contract With America Jan 44 Certificates of deposit Fes 16 (ADRs) Jut 15 Cut your taxes Fes 40 Federal retirement system Fes 75 American Express jul 32 Gambling losses Jut 106 ——$ $$ —____ _-—____ American Greetings Fes 32 High-tech stocks run-up AuG 28 IRA, nondeductible contributions RQewarde, Mista, Restings of2 .380-ptee Punto | American international Group Home builders’ stocks JAN 28 Auc 106 MAR 36 Home Depot Nov 30 IRS audit JAN 15 American Power Conversion JAN 30 Honeywell Auc 30 Last-minute tax tips Apr 97 AT&T Nov 29 IBM Ju 34 Nanny tax Jan 14, Nov 16 Automobile stocks Jan 24 Indexes, stock Oct 107 Sales and cigarette taxes Oct 15 Bank stocks JAN 87, Oct 10 Inherited stock Fes 140 Self-employed Jun 13 Bear-market prediction Apr 36 international Family Entertainment Social security benefits Mar 146 Beaten-up stocks Oct 59 Oct 38 Social security taxes ‘an 15 WSRe PtaeiEF eontgRDeCe Oh UhWeTLE W S!Eh BCeTme I eMO sNe se t> Best Buy Co. Apr 38 ITT Sep 24 Biotech stocks Oct 34 Japanese stocks Sep 23 401(k) plans Boeing Mar 38 Keane Inc. Nov 28 contribution cap Fes 131 Bond rating agencies Apr 73 Kids’ stocks AuG 73 credit cards Nov 16 Bond volatility Sep 22 Lifetime stocks AuG 10 early withdrawal Oct 124 Boring stocks Fes 81 Loral Corp. Mar 38 his-and-her accounts Auc 95 Brady bonds Sep 142 Mexican stocks Mar 16 investment options Fes i140 Bull-market indicators Mar 16 Morton International Jun 34 and IRAs Mar 148, Jut 106, Burlington industries May 34 Municipal bonds Fes 17, Fes 26, Nov 120 Burlington Resources JAN 26 Auc 15 rollovers APR 128, Sep 14 Buybacks, stock Apr 15 Nasdaq system Fes 28 403(b) rules Sep 142 Chubb Corp. May 38 Netscape Oct 37 Tax basis Mar 56 Fringe benefits Jun 13 Closed-end bond funds Jan 15 Pall Corp. Dec 32 Tax-counseling volunteers Fes 131 IRAs Collateralized mortgage Penny stocks May 89 Tax help line Apr 119 drawdowns May 118 obligations Oct 124 Pep Boys Nov 30 Taxes on retirees AuG 57 fees Dec 116 Portfolios 1099 forms JAN 75 and 491(k) plans Mar 148, consumer stocks AuG 28, Dec 28 Year-end tax savers Dec 40 Jut 106, Nov 120 defensive stocks Fes 26 lump-sum payouts Apr 132 depressed foreign stocks TRAVEL AND LEISURE minimum withdrawals Fes 128 May 32 Airfare wars Fes 15 taxes AuG 106 former glamour stocks Jut 30 Airfares to Canada May 12 Pension funding JuL 13, Nov 18 oFtdFhe s Ohio-based companies Sep 20 Airlines Spending by retirees Dec 18 tHi f u small and medium-size baggage theft Nov 126 it r companies JAN 24 coupons AuG 106 SMALL BUSINESS smali companies Apr 34, Oct 34 frequent-flier programs Mar 156 Business opportunity come-ons socially responsible companies price-fixing settlement Mar 132 Oct 78 Company-report credibility Oct 14 Jun 30 ticketless travel Jun 12 Home businesses Jan 93 Convertible bonds Nov 107 specialty retailers MAR 34 volume discounts AuG 15 Jewelry making Jui 112 Cost basis Jun 118 spinoff companies Nov 26 Airport food prices Nov 17 Recovering from disaster Sep 154 Dayton Hudson Apr 38 Price-earnings ratios MAR 129, Booking your trip Ju: 89 Retirement plans Apr 85 Dividend reinvestment plans Apr 134, Jun 13 Casinos Jun 12 Starting a business abroad Auc 112 (DRIPs) May 11, Jun 118, Ju. 8 Restaurant stocks Oct 83 Debit cards overseas May 14 Dividends, stock Dec 15 Reverse stock splits May 118 Europe, travel in Apr 90 SPENDING Electric-utility stocks Apr 34, Rules for investing Mar 34 Holiday tips Dec 124 CD and book clubs Jan 34 Sep 13 Scott Paper Co. Fes 32 Hotel fax fees Dec 17 Computerized custom clothing Emerson Electric Jan 30 Shuffle Master Sep 22 Hotel prices Mar 18 Fes 17 European stocks Nov 17 Small-company stocks AuG 46, Olympics Apr 18, Sep 151, Oct 14 Debit cards, prepaid Fes 16 Exide Corp. APR 36, JuN 8 Nov 133 Rental-car mileage fees Sep 15 Fitness catalogs Nov 116 Fidelity vs. S&P Jun 30 Spreads May 42 Timeshares Oct 66 Gambling Nov 140 First Republic Bancorp Dec 30 Stocks with rising earnings Dec 45 Value-added-tax refunds Jun 124 122 KIPLINGER’S PERSONAL FINANCE MAGAZINE January 1996 s e, « ee rh, : tthe, & f Reg hSk e tgehet.. kG nt