American - Journalist | November 7, 1964 -
Show your kids that needs and wants are two different things. The best way to teach our kids to be smart consumers - and savvy savers - is to model good behavior for them.
Jean Chatzky
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If you haven't gotten a raise in the past couple years for a job well done, it might be time to ask for one.
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Every minute you spend looking through clutter, wondering where you put this or that, being unable to focus because you're not organized costs you: time you could have spent with family or friends, time you could have been productive around the house, time you could have been making money.
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The older you are when you buy an annuity, the shorter your life expectancy will be - so the greater a monthly paycheck the same sum of money will buy you. When interest rates are higher, the size of the paycheck for the same sum of money will rise also.
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Many people focus on the 4 percent rule, which essentially says that as long as you withdraw no more than 4 percent from your retirement accounts each year, the money should last you 30 years.
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Just because someone will lend money to you doesn't mean you should borrow it.
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You'll get the biggest bang for each buck by paying off the highest interest rate debt in your portfolio first, while making minimum payments on the remainder. It's called the avalanche method, and it gets you out of debt cheapest and fastest.
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Taking a shuttle or even paying for a taxi to a rental office that's a few miles away from the airport can mean a lower rate - 50 percent lower is common - for the same car, from the same company, for the same length of time. Many companies run free shuttles from some of the major airports.
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Older couples bring obligations such as support payments and debt as well as decades of financial experience to a marriage.
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Wills are trumped by legal titles to real estate or beneficiary designations on financial accounts, retirement plans and insurance policies.
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If you're closing in on age 62 and intend to apply for a former spouse's Social Security benefit, don't remarry. You have to be single at the time you apply.
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At the time of my second marriage, my husband was in his early 50s, I was in my mid-40s, and we each had two kids. We maintained our individual accounts and opened one for the house. We each kick the same percentage of our incomes into the house account and have a joint credit card. But we pay for our children separately.
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