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Personal Finance By The Book

Personal Finance By The Book

Joe Plemon: Financial Writer

5 Tips for Optimizing Your Jewelry Purchase

May 25, 2011 by Joe Plemon 11 Comments

If you are considering a jewelry purchase, you need to take the time to look before you leap. Why? Because jewelry is a purchase that most of us don’t make very often, and because it can be very expensive. These tips can help:

Filed Under: Dollars and Sense

How to Have a Good Retirement When Things Are Looking Bad

May 16, 2011 by Joe Plemon 13 Comments

How to Have a Good Retirement When Things are Looking Bad

For many Americans, the prospect of a dream retirement is fading.  However, those very factors which produce so much gloom can actually make retirement better.  Hold that thought as we first examine the bad news about retirement.

Filed Under: Life Planning, Retirement

Has the American Dream Become a Nightmare?

May 13, 2011 by Joe Plemon 24 Comments

A reader recently shared these thoughts with me, “My husband and I are from the ‘great depression era’, which always meant if at all possible, don’t go in debt.  For the past 10 to 15 years we have watched people as they lived ‘the American Dream’. To us it was watching them as they lived […]

Filed Under: Life Planning, Self Improvement

My Answer to Reader: Do the Math and Leave Your 401(k) Alone

May 9, 2011 by Joe Plemon 15 Comments

A reader recently wrote the following comment on my post 4 Reasons You Should Not Use Your 401k to Pay Off Your Credit Card so I have pasted both the comment and my answer, hoping that you readers will help scrutinize my logic and point out any flaws you may notice.  Obviously, I made some […]

Filed Under: Investing, Life Planning, Retirement

9 Non-extreme Grocery Coupon Tips

May 4, 2011 by Joe Plemon 25 Comments

I am sure you have read about extreme couponers: people who after scanning, scrutinizing, analyzing and clipping, can buy a car load of groceries for pennies.  I salute these dedicated savers, but if you are not that person, don’t ignore coupons altogether. We are talking free money here, so give these simple, non-extreme tips a […]

Filed Under: Dollars and Sense

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