By Jane Bryant Quinn

smartNo newcomer to the personal financial world, Quinn is best at conveying the simple rules of success--under many different guises, like Jordan E. Goodman's Everyone's Money Book (1993). Here, the emphasis is on streamlining financial plans and actions in today's no-time-for--anything environment. The answers? One: use automatic payments for money obligations, such as the employer retirement plan, college funds, and mortgages. Two: investigate all the insurances, and understand necessities versus nice-to-haves. Three: rely on diversified mutual funds (and continue rebalancing your portfolio) for retirement savings. Four: ensure you've compiled checklists for your critical information and know where to find your files. Her best yet? "You can't see the future. If you're saving steadily, that doesn't matter. Only a few things work, and you've found them here." Barbara Jacobs
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