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Personal Finance By The Book

Personal Finance By The Book

What Keeps You Awake At Night?

February 27, 2013 by Joe Plemon 1 Comment

A Discovery Health study indicates that 80 percent of respondents do not get enough sleep.  Furthermore, the effects of sleep deprivation are much more profound than feeling a bit drowsy: memory loss, weight fluctuations, a weakened immune system and high blood pressure.  And the number one cause, according to sleep.com web site, is stress. Some […]

Filed Under: Budgeting, Debt, Retirement

Even in a Down Economy Your 401k Is Still Your Best Friend

April 16, 2012 by Tim 4 Comments

It is never fun to watch your nest egg decrease in value. Investments are supposed to grow exponentially over time; that is why you are investing rather than stashing money under your mattress — right? So what should you do when your 401(k) starts to head south? Do you let the emotions take over, or […]

Filed Under: Retirement

How Has The Economy Changed You?

October 31, 2011 by Tim 1 Comment

A recent article in Money Magazine provided some interesting statistics.  A group of people was asked how they felt the economy would impact their lives.  From questions about children to retirement and family life, the results were interesting to read. 53% of Americans aren’t sure their kids will be better off than they are. How […]

Filed Under: Economy, Family, Life Planning, Retirement

Think You’re Too Old To Plan For Retirement? Think Again.

October 26, 2011 by Joe Plemon 10 Comments

Think You Are Too Old to Plan For Retirement Think Again

My friend Alex, at age 56, has made very little plans for his retirement.  He also believes that he is too old to start.  In a recent conversation with him, I learned: He has very little (if any) retirement investments and is not currently saving any appreciable amount. He will still be making house payments […]

Filed Under: Retirement

Should You Pay Off Your Home Before You Retire?

August 15, 2011 by Tim 6 Comments

Should You Pay Off Your Home Before You Retire?

Picture Dave, a 52 year old father of three who plans on working until he can no longer stand to work.  He really hasn’t saved much for retirement and has a mortgage payment of $1,200 with $50,000 left on the mortgage.  He and his wife have approximately $40,000 in savings and investments and he is […]

Filed Under: Debt, Retirement

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