5 Ways to Avoid Outspending Your Income in Retirement

Everyone looks forward to their golden years as a wonderful time of relaxation and enjoyment. It’s a time to revel in the fruits of your labor, or volunteer if you feel like it. The last thing you want to do is to outspend or outlive your income in your retirement years. Here are a few ways to avoid that scenario.

Start Early

It’s a known fact that those who start to

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Are You Smarter Than a 5th Grader? Which Emotion Is More Powerful?

Those who are concerned with managing financial risk understand that, when it comes to investing, it’s especially important to have a diversified portfolio — at least in theory. It’s also important to have an exit strategy in place whenever you take a position on a particular stock, bond or any other type of investment. Why? Because an exit strategy, complete with predefined selling points — at both a profit and a

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A Few Thoughts From Aunt Doris: Losing Streaks and Winning Ways

This is another post in an occasional series from my dear nonagenarian Aunt Doris.

Aunt Doris (circa the good ol' days)

Are you one of those people who never win? That’s me!

It didn’t start out that way, though. When I was 12, like all British kids, I entered the National Scholarship and, to my amazement, actually won! (I wasn’t the only one who felt that way — my teachers

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18 Facts You Probably Wish You Never Knew About Black Friday

What’s not to love about Friday?

I mean, really … if Saturday didn’t exist, Friday would be the best day of the week, bar none. (Although I’m sure there are a lot of Sunday lovers out there who vehemently disagree.)

Let’s face it, on any given Friday, it’s hard to find anyone in a bad mood; especially after noontime.

My only complaint with Friday is that it comes just once per

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Black Coffee: Why 'Working' Has Suddenly Lost Its Cachet

It’s time to sit back, relax and enjoy a little joe

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance.

Well, I am completely swamped at work. So much so that I’m now working on the weekends. As a result, I’m bringing you another espresso edition of Black Coffee this week.

In fact, I think

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100 Words On: Why A Home Shouldn’t Be Considered an Investment

It’s often said that a house is our biggest investment, yet the primary function of any house is to simply provide us with a place to live. Yes, handsome gains can be had for those with good timing. However, as investments go, houses rarely match the long-term returns of stocks. And most people forget that property taxes, maintenance costs, insurance, and even real estate agent fees eat into those returns.

The

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How to Have a Beautiful Wedding AND Exotic Honeymoon for Under $5000

According to CNN Money, the average wedding in 2012 cost $28,400. That’s some serious dough.

I know getting married is supposed to be a once-in-a-lifetime event, but is one night really worth that much? Where I live in central Iowa, $28,400 is enough money to put a down payment on a decent house!

Obviously, how much you spend on a wedding should depend on the financial situation of those who are

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Is the Payback Period on Energy Efficient CFL Bulbs Too Long?

The other day the light bulb on my porch finally gave up the ghost, so I ran down to my favorite hardware store to pick up a new one. When I got there I was presented with a choice that many people struggle with: Is it better to stick with the regular old incandescent bulb or spend significantly more money for the energy efficient compact fluorescent light (CFL) instead?

In 2009,

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Black Coffee: Your Lying Eyes ... and the Fear of Flying

It’s time to sit back, relax and enjoy a little joe

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what’s been going on in the world of money and personal finance.

If you take the whole preflight security dog and pony show that we’re subjected to out of the equation, I have no qualms with flying — as long as it’s in a modern jet airplane,

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How I Live on Less Than $40,000 Annually: Calin from Romania

The city center of Drobeta, Romania, where Calin and his young family are a three minute walk away — and making ends meet on $15,000 per year.

My name is Calin and I am a professional blogger living in Romania. Next year I’ll be celebrating my 30th birthday with my beautiful wife and our newborn son. Yes, we still party, even though we live on less that $15,000 per year.

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