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SIMPLIFY YOUR FINANCES Check out our strategies to cut out financial clutter that can keep you from earning better returns, eliminating debt and paying lower fees. NAVIGATING THE UNIVERSE OF ETFS We scoured the expanding world of exchange traded funds to update the Kiplinger ETF 20, the list of our favorites. Use our four ETF portfolios to help you reach your goals. PLUS: Smart ways to invest in ETFs. SAFE CARS FOR LESS THAN $30,000 We looked at the test results of late-model used sedans, pickups, and small and large SUVs to find the safest vehicles at the best price.

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