Archive - May 23, 2011

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The Best Free Online Budgeting Tools
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How To File and Suspend Your Social Security Benefits

The Best Free Online Budgeting Tools

A few years ago I started tracking my personal expenses closely. I did this because I was starting my business, and wanted to make sure that I had the cash flow available to make it work. For most people, budgeting can be done in one of two ways:

  1. You save first, and spend until your money is gone and your next paycheck arrives, or
  2. You plan how much you can spend based on your income and expenses and put the savings aside at the end of the month.

For people with large incomes, the save first option works well. For …

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How To File and Suspend Your Social Security Benefits

I get a lot (a LOT) of questions about the File and Suspend tactic for Social Security benefits, so I thought some more review would help.  For the uninitiated, File and Suspend is a tactic that married couples can use to help maximize their total Social Security benefits.  In this post I’ll try to cover some of the more common questions.

File and Suspend works like this: One of the two in the couple can file an application for Social Security benefits and then immediately suspend in order to not receive the benefits. This can allow the other spouse to …

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