Here’s how I size up which stock to buy
I like to buy shares when a company’s price-earnings ratio is less than the sum of its earnings-growth rate and its dividend yield. My goal is to find stocks that investors have mispriced — when the P in a P/E is too low, given a company’s prospects for increasing profits and its dividend payout. My formula is a version of the dividend-adjusted PEG ratio, long favored by Peter... READ MORE
Some answers to your Medicare questions
Learn the answers to some common Medicare questions, courtesy of the experts at Kiplinger’s Retirement Report and Kiplinger’s Personal Finance. Whether you’re already retired or just starting to plan for retirement, brushing up on your knowledge of Medicare will pay off. Healthcare pre-Medicare My husband will retire when he turns 65 and sign up for Medicare. I am five years... READ MORE
Fresh ways to save at the farmers market
The difference between the produce at farmers markets and supermarkets is more than “tomayto” versus “tomahto.” Plus, buying fresh fruit and vegetables at farmers markets offers opportunities to save money in ways you might not find at a grocery store. The produce sold at most supermarkets is typically harvested before it’s ripe, said Chris Curtis, executive director of Seattle ... READ MORE
Name beneficiaries to limit cost to heirs
An article appeared recently on the editorial page of the Wall Street Journal online pharmacy purchase revia online with best prices today in the USA written by Warren Kozak, whose wife died earlier this year. Kozak indicated that his bankers had never recommended to him and his wife that they should name beneficiaries on their savings accounts. Kozak was under the false impression that ... READ MORE
Freeze and unfreeze credit reports for free
Question: I’d like to freeze my credit record to protect against identity theft. I heard that Congress recently passed a law making credit freezes free. When can I get my free freeze? Answer: online pharmacy proscar online with best prices today in the USA A credit freeze prevents new creditors from reviewing your credit report, making it harder for identity thieves to take out credit ... READ MORE
Entrepreneurs find niche at farmers markets
Farmers markets benefit our communities on so many levels. They provide the opportunity to support local businesses, which keeps our money in our own communities. They enable us to cut down on the carbon footprint of our meals because the fruits and vegetables we buy do not travel as far to our tables. Farmers markets also strengthen our communities by offering the chance to socialize ... READ MORE
Get your feet wet in water-related funds
As natural resources go, oil tends to get more attention from investors than clean drinking water, even against the backdrop of headline-grabbing shortages in Flint, Michigan, South Africa and elsewhere. But a few funds are showing that investing in utilities and water infrastructure and technology companies can pay off, especially for long-term investors looking to diversify their... READ MORE
Why to always use at least one credit card
Certified financial planner David Rae said he used to think that “anyone who could draw breath” could get an auto loan. Then one of his millionaire clients tried to buy a car — and failed. The 42-year-old client was turned down for a loan because he had no credit scores, said Rae, who is based in Los Angeles. Nineteen million American adults are “unscoreable,” lacking enough ... READ MORE
A scammer reveals his secrets
You pick up the phone and are told “This is Sgt. Johnson of the Howard County police. We’re holding your grandson on charges of drunken driving.” You are given your grandson’s full name, age and home address, and the name of his girlfriend who was in the car with him. You’re told that your grandson gave police your name because he didn’t want to have his parents informed. He... READ MORE
What to do with an older car: fix or sell?
You’re looking at a $1,200 repair estimate for your ailing car when an ad catches your eye: a brand new set of wheels for a mere $450 a month. At first, dumping your old car might seem like a no-brainer — and you can’t help picturing how good you would look in that new car. But automotive experts say you’ll almost always come out ahead — at least financially — by fixing old... READ MORE
