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• A simple approach to budgeting

  Posted Dec 05 2007, 06:37 AM by Karen Datko
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  Filed under: retirement, spending, insurance, saving
  Money Blog: Smart Spending Blog - MSN Money

  This post comes from partner blog The Dough Roller.

  I hate budgeting. I've tried using envelopes, Quicken and fancy spreadsheets, and the results are always the same. I start off strong, but within a few weeks I lose interest in the time-consuming chore that budgeting can be.

  The problem is that I still need to manage my money. I confronted this problem about a year ago, and asked myself the following question: How do I effectively manage my money in as little time and with as little pain as possible? To answer that question, I came up with a money-management plan that doesn’t require me to track all of my expenses all the time, and requires a relatively small investment of my time each month. In this post, I’ll share my plan with you.   Read More...

  Discuss (no comments) 2,285 Views Digg this | Email this | Link to this

• Do you need longevity insurance?

  Posted Sep 26 2007, 08:38 AM by Karen Datko
  Rating:
  Filed under: investing, retirement, insurance, saving
  Money Blog: Smart Spending Blog - MSN Money

  This post comes from partner blog Five Cent Nickel.

  Have you ever heard of "longevity insurance”? In short, longevity insurance is a relatively new form of insurance that provides you with a guaranteed stream of income later in life, typically starting after you turn 85. To get longevity insurance, you have to make a substantial up-front payment 20 or so years earlier.

  Longevity insurance is really just a repackaged deferred annuity that's targeted for retirement-age individuals concerned about whether they'll outlive their savings.

  There are differences.   Read More...

  Discuss ( 3 comments) 1,652 Views Digg this | Email this | Link to this