In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

Best of the Online Investment Advisers, 2014

By Nellie S. Huang

Just how much do the know-it-alls actually know?

Getting good investment advice doesn't require millions in the bank anymore. These days, an army of online advisers will offer low-cost solutions to the age-old question: How do I invest my money? Many will even do the trades for you, rebalance your portfolio periodically and suggest ways to minimize your taxes, too.

Some firms are more like financial planners; others pick investments for you. With help from Grant Easterbrook, an analyst for the research firm Corporate Insight, we focused on seven firms that offer specific investment advice online.

The diversified portfolios they recommend--typically after you answer questions about your risk tolerance and time horizon--hold only low-cost exchange-traded or mutual funds. Although many of these firms don't have a long-term record, they list a lot of information on their Web sites. On most, you can view the recommended portfolios and see which funds they hold, along with recent performance.


Minimum: $50,000

Annual fee on a $50,000 balance: $225 (0.45%)

How it works: AssetBuilder invests your money in a mix of U.S. and foreign stocks, real estate stocks and bonds. The firm's eight model portfolios each hold 11 to 14 funds managed by Dimensional Fund Advisors (available only through DFA-approved advisers).

Pros: AssetBuilder suggests other portfolios you can invest in on your own. Plus, you can talk to an adviser on the phone, if necessary. Fees, as a percentage of assets, drop as portfolio balances rise. AssetBuilder also offers 401(k) plan advice upon request.

Cons: The initial-balance requirement is high.


Minimum: $10

Annual fee on a $50,000 balance: $125 (0.25%)

How it works: Low-cost ETFs (with annual fees between 0.12% and 0.16%) fill the portfolios that Betterment has created to suit every goal and time horizon. Underlying funds include Vanguard Total Stock Market ETF (VTI) and the small-company-oriented iShares Russell 2000 Value (IWN). Your money is held in an account at Betterment Securities, the firm's brokerage division.

Pros: Advisory fees fall for balances above $100,000.

Cons: Betterment does not accept securities, so you may have to sell current holdings to provide the cash to open an account. If you want to hold on to a specific security, hold it in another brokerage account. No 401(k) plan advice.


Minimum: $1,000

Annual fee on a $50,000 balance: $149.95 (if paid in advance) or $191.40 (if paid monthly)

How it works: Link your investment accounts through Financial Guard and the firm assesses your portfolio for diversification and fund selection (grading it A through F). Then it tells you what to buy, sell or hold, providing specific fund or ETF selections for each asset class.

Pros: Financial Guard will offer fund-selection advice for 401(k) and 529 plans.

Cons: The firm doesn't execute the suggested moves for you (but this service is in the works).


Minimum: $10,000 for the premium service

Annual fee on a $50,000 balance: $228 ($19 per month)

How it works: You fill out a profile and the Web site spits out an "action plan" that tells you how to achieve a suggested target allocation--basically, it tells you to sell individual stocks and mutual funds and replace them with the ETFs it recommends. (That service is free.) If you pay for premium service and you have an account at Fidelity or TD Ameritrade, the firm will execute the trades for you, focusing on the ETFs each firm lets its customers trade without commissions.

Pros: You can execute the trades on your own and save the monthly advisory fee. The service also lets you exclude from the analysis any securities you prefer to hold.

Cons: No advice on 401(k) funds unless you pay for premium service.


Minimum: None

Annual fee on a $50,000 balance: $216 ($17.99 per month)

How it works: Patch into your investment accounts, or enter holdings manually, on Jemstep's Web site. The firm's software analyzes your holdings, including evaluating your mutual funds and ETFs. After considering the fund evaluations and any tax implications from selling specific securities, Jemstep tells you what to buy and sell to bring your portfolio in line with an asset-allocation plan tailored for you.

Pros: The service is free for clients with less than $25,000. You can exclude holdings from the analysis if you're bent on keeping them. It rates thousands of funds on at least 50 different factors, which means it can advise you on your 401(k) holdings, too.

Cons: You execute Jemstep's prescribed investment moves on your own.



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Minimum: $2,000

Annual fee on a $50,000 balance: $120 ($10 per month)

How it works: This Mint-like account aggregator started in 2011. It lets you view all your investments in one place and appraises funds you own, including those in your 401(k) plan. Plus, answer ten questions and you'll get a portfolio that's suited to your goals and risk tolerance. The firm has 20 portfolios, which hold ETFs that invest in U.S. and foreign stocks, bonds, and real estate. Until late 2013, the firm only made trade recommendations. Now it will execute those trades for you, using Fidelity, Schwab and TD Ameritrade as account custodians.

Pros: No commissions.

Cons: The firm's advisory services are relatively new.


Minimum: $5,000

Annual fee on a $50,000 balance: $100 (0.25% on assets over $10,000)

How it works: Answer ten simple questions, and the Web site kicks out two portfolios for you: one for your taxable account and another for a tax-deferred retirement account. Using ETFs, the portfolios hold a mix of assets that can include muniĀ­cipal bonds, foreign and emerging-markets stocks, U.S. stocks, and even a basket of commodities.

Pros: No commissions on trades. No fee on the first $10,000.

Cons: The service doesn't provide advice on investments you currently own, whether they are individual stocks or funds in your 401(k) plan.

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Nellie S. Huang is a senior associate editor at Kiplinger's Personal Finance magazine.

All contents copyright 2013 Kiplinger's Personal Finance Distributed by Tribune Media Services. All rights reserved.