We name the top investments, money-management tools, vehicles, retirement spots and more. iStockphoto By the editors of Kiplinger's Personal Finance From Kiplinger's Personal Finance, December 2014 All year long, Kiplinger’s writers and editors choose investments, financial products, cars, travel tools and technology that have the best prospects or represent the best value. In this issue, we put our heads -- and our lists -- together to name the crème de la crème of the many things we cover: promising stock and fund picks, most-rewarding banks and credit cards, cruises that won’t sink your budget, places to retire to match your interests, wheels for every profile, even pet insurance. Use our package as a shopping list for every facet of your financial life.17 Best Investing Tips and Picks From stocks for dividends to funds for a fickle market, we found investments for every portfolio. 10 Best Personal-Finance Tools to Better Manage Your Money Take control of your finances with these budgeting and credit sites, tax software, health care tools and more. Best Accounts at Banks and Credit Unions Whether you're looking for free checking or high yields on your balances, we've pinpointed the top options. Advertisement Best Credit Cards You Can Get Now Our picks offer cash back, rewards and even a prepaid option. Best Cars for Every Type of Driver We found the ideal vehicle for everyone from wallet watchers to soccer moms to luxury seekers. Best Cruises, Airlines, and Booking Sites for Your Travel Dollar Get the most bang for your vacation buck with our picks. Best Cell-Phone Plans for Every Type of User As carriers battle for your business, we help you cut through the hype to find the right plan for you and your family. Advertisement 5 Great Places to Retire Whether you're looking for a spot off the beaten path, a locale with low taxes or access to top-notch golf courses, we found the place for you. 11 Great Tech Gifts for This Holiday Season We found something for everyone on your list -- from kids to music lovers to fitness fanatics.