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Personal Finance By The Book

Personal Finance By The Book

Joe Plemon: Financial Writer

Are Extended Warranties Worth It? It Depends.

February 15, 2012 by Joe Plemon 9 Comments

Financial guru Dave Ramsey states unequivocally that extended warranties are rip-offs.  As a Ramsey follower, I agree.  I regularly smile and say “no thank you” when Best Buy or Wal-Mart asks, “would you like a warranty with that product?” Reasons to self insure Because these warranties are high profit items (many studies indicate over 50%), […]

Filed Under: Dollars and Sense, Insurance

5 Plans for Your Tax Refund

February 8, 2012 by Joe Plemon 9 Comments

According to USA Today, the average tax refund last year was over $3,000.  If you are anywhere near average, you will soon have thousands of dollars in your pocket – money which will disappear if you do not have a plan for it.  Not everyone should have the same plan, but all should create a […]

Filed Under: Taxes

The Rich Church Who Made Jesus Want to Puke

February 3, 2012 by Joe Plemon 8 Comments

Anyone who thinks the bible is boring simply hasn’t read it.  For example, Revelation 3:15-19 tells of a group of Christians who made Jesus sick to his stomach.  Why were they so repulsive?

Filed Under: Biblical Thoughts On Finance

Should you Itemize or take the Standard Deduction?

February 1, 2012 by Joe Plemon 12 Comments

Should You Itemize or Take the Standard Deduction

With income tax filing time upon us,  you need to be asking yourself whether you should itemize or take a standard deduction.  If talking taxes makes your head hurt, I beseech you to stick with me for two reasons:  1) this is simple stuff and 2) understanding these two types of deductions could save you […]

Filed Under: Taxes

Coincidence or Providence?

January 27, 2012 by Joe Plemon 7 Comments

Although I am NOT a “name it and claim it” Christian, I believe God is actively at work in my life.  I also believe that Jesus’ words, “… give and it will be given to you” are still applicable today.  Where am I going with this?  I recently experienced an amazing convergence of two seemingly […]

Filed Under: Biblical Thoughts On Finance

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