
Kimberly Lankford
As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.
Latest articles by Kimberly Lankford
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Will a Credit Freeze Boost Car Insurance Premiums?
insurance In a few states, you may need to thaw frozen credit reports before buying or renewing insurance policies.
By Kimberly Lankford
insurance -
Smart Ways to Spend Down Your Flexible Spending Account
Healthy Living on a Budget Some employers allow workers to carry over up to $500 in a flexible spending account from one year to the next, while others offer a grace period until mid March. Knowing your deadline will prevent you from losing FSA dollars.
By Kimberly Lankford
Healthy Living on a Budget -
Talking to Older Parents About Their Plans for the Future
retirement When families are gathered for the holidays is a good time for adult children to broach the subject of their parents' housing and health care plans for the years ahead.
By Kimberly Lankford
retirement -
Charitable Giving Can Begin at Home with a Donor-Advised Fund
Smart Buying Parents and grandparents can launch the next generation of philanthropists by allowing kids to help decide where to donate money from a donor-advised fund.
By Kimberly Lankford
Smart Buying -
How Much Are Those Old Baseball Cards Worth?
business Depending on the year, condition and, of course, the player, some baseball cards could be worth thousands of dollars.
By Kimberly Lankford
business -
How Much Families Can Contribute to a Health Savings Account
insurance You and a spouse can contribute a total of $6,900 to an HSA in 2018, plus a catch-up contribution if you’re 55 or older. And thanks to a quirk in the law, an adult child covered under the family’s high-deductible health policy may also be able to contribute $6,900 to his or her own HSA.
By Kimberly Lankford
insurance -
The Potential Tax Hit When High Earners Convert to a Roth IRA
retirement High earners using a "backdoor" strategy to open a Roth IRA can trigger taxes if they own other IRAs.
By Kimberly Lankford
retirement -
College-Savings Plans Make It Easy to Give a Child the Gift of Tuition
529 Plans Relatives can contribute to a child's 529 college-savings plan, and in many cases they can get a tax deduction on their gift.
By Kimberly Lankford
529 Plans -
4 Ways to Thwart Elder Abuse
Caregiving Being prime targets for scams, seniors need to be vigilant about protecting themselves.
By Kimberly Lankford
Caregiving -
Fighting Financial Fraud and Identity Theft
Scams Learn what it's like on the front lines on our ride along with the scam police.
By Anne Kates Smith
Scams -
How to Change Your Medicare Advantage Plan Outside of Open Enrollment
insurance If you end up unhappy with the Medicare Advantage plan you signed up for, you may be able to switch before next year's open enrollment.
By Kimberly Lankford
insurance -
Making Changes After a Medicare High-Income Surcharge
retirement Surcharge is based on your last tax return on file.
By Kimberly Lankford
retirement -
What You'll Pay for Medicare Premiums in 2018
Medicare What are Medicare premiums in 2018? The standard premium of $134 for Medicare Part B won't change, but some recipients will still end up paying more.
By Kimberly Lankford
Medicare -
Land a Retail Job for the Holiday Season
business Retailers will add hundreds of thousands of seasonal workers for the holidays. How to find a job—and possibly turn it into a permanent position.
By Kimberly Lankford
business -
The Big Pension Decision Military Service Members Must Make in 2018
retirement Service members who joined armed forces in recent years must decide whether to stay in the military’s old retirement system or join the new one. Here’s how to choose the system that’s best for you.
By Kimberly Lankford
retirement -
How to Qualify for a Health Savings Account and Trim Your Tax Bill
insurance Health savings accounts provide a triple tax break to consumers. Contribution limits are going up slightly in 2018, but so are deductibles for eligible policies.
By Kimberly Lankford
insurance -
A Child-Care Tax Break for Working Parents
taxes New parents and those with pre-teens can save on taxes (for now) when paying for child care by signing up for an employer's dependent-care flexible spending account.
By Kimberly Lankford
taxes -
Charitable Giving Is a Family Affair
spending A donor-advised fund is a tax-savvy way for families to pool their charitable dollars and create the next generation of philanthropists.
By Kimberly Lankford
spending -
What You Need to Know About Windstorm Coverage
insurance In high-risk areas, you can face equally high costs for wind coverage. But a few smart home improvements can help you save money.
By Kimberly Lankford
insurance -
10 Things You Need to Know About Health Insurance Open Enrollment
insurance If you're signing up for Obamacare for 2018, you'll have less time to buy coverage for next year, but here's help finding the right policy more quickly.
By Kimberly Lankford
insurance -
Rebuilding Your Home and Finances After Disaster Strikes
insurance Mopping up—and drying out—after the hurricanes was only the first challenge. Now the victims have to struggle through recovery.
By Miriam Cross
insurance -
Raising Cash to Make Hurricane Damage Repairs
real estate Many hurricane victims are still waiting for payments from insurers or disaster assistance from FEMA to make home repairs. In the meantime, here are ways to raise money to get fixes under way.
By Kimberly Lankford
real estate -
How to Report a Tax-Free Transfer From Your IRA to Charity
taxes The tax filing rules for qualified charitable distributions can be tricky. You must specify how much of your required minimum distribution is taxable and why part of the distribution is tax-free.
By Kimberly Lankford
taxes -
You Can Contribute More to Your 401(k) in 2018
401(k)s You'll be able to stash an extra $500 in a 401(k) or other employer-sponsored retirement plan in 2018. But the maximum annual IRA contribution will stay the same.
By Kimberly Lankford
401(k)s