Good-natured, informed guidance for all kinds of singles--the widowed and divorced as well as the blissfully unattached. Rutberg, a veteran financial writer, covers much the same ground, reassuringly, as Dorfman in his family-oriented manual (above). But he attends consistently to the needs of singles at successive stages of life. For fiscal well-being, he recommends an escalating allocation program--i.e., earmarking around five percent of income for an investment/savings account in one's 20s, with, perhaps, a goal of 30 percent after age 50. To instill good money-management habits, he starts with on-paper budgets that can highlight possible economies--clothing, vacations--and hence sources of investment funds. Then, he reviews securities, commodities, collectibles, and other investment commitments, including real estate. (Of special interest: a discussion of mutual funds that deal only in the securities of socially-responsible corporations.) Short sales and margin purchases are scanted--on grounds that such techniques are unsuitable for most singles, ""particularly young men and women just starting out or those with alimony payments, dependent children, or other cash-flow drains."" On the money muddles of cohabitants who split up, he's philosophical: a relationship based on physical attraction ""is almost impossible to rationalize from a financial point of view."" In short, some worldly-wise insights and some reliable advice.