I first look at the sample report online . it be great -- lot of useful information to prepare for retirement , include some very good investment idea . so I subscribe , and have now receive several issue . there be sometimes some good information , but for the most part it be worthless . for example , in the January 2011 isue , 4 out of 20 page be dedicate to turbulent time for long term care insurance that read more like a news article than true advice for what I should do . another 4 page be full page ad for bank , investment product , etc. . the rest be what I would call useless fluff . by the way , Kiplinger , I be pay for this report -- why so many ad ? anyhow , there be usually some semi-useful info in the report , but definitely not worth the cost .