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Personal Finance By The Book

Personal Finance By The Book

Five Steps Toward Automating Your Way to Wealth

September 1, 2010 by Joe Plemon 22 Comments

5 Steps Toward Automating Your Way to Wealth

Will power just doesn’t get the job done. Sure, on a day when you are feeling particularly noble you might set aside an extra $50 in your savings account or pay an extra $25 on that credit card debt. But, if you are like most of us, starting a plan and sticking with it gives […]

Filed Under: Budgeting, Investing, Retirement

You CAN Afford That Baby – 10 Money Saving Tips

August 9, 2010 by Joe Plemon 22 Comments

You have read those cost projections for raising children. MSN, back in 2001 projected a cost of $249,180 (over $350,000 in 2010 dollars) for a family with a $65,800 or greater income. The Baby Center web site tells us the cost of raising a child from baby to adulthood is $266,698. The Wall Street Journal […]

Filed Under: Budgeting, Dollars and Sense, Insurance, Life Planning, Retirement

Should You Roll Your 401(k) to an IRA? It’s Not A No-Brainer.

June 28, 2010 by Joe Plemon 17 Comments

When I left my last place of employment,  I rolled all of my 401(k) funds into a traditional IRA. I figured doing so was a no-brainer, but I recently read an article in Kiplinger’s Retirement Report that, while validating my decision, also gives some reasons why a rollover is not always the best course of […]

Filed Under: Investing, Retirement

Social Security Strategies For Married Couples

June 23, 2010 by Joe Plemon 107 Comments

Married couples: Social Security is complicated and don’t let anyone tell you otherwise. Is either of you (or both of you) close to retirement age? Are you wondering if you should start earlier or later? Before you decide, make sure you understand these two aspects of Social Security: “spousal benefit” and “surviving spouse benefit”. Let’s […]

Filed Under: Dollars and Sense, Retirement, social security

New Study on 401(k): Failed Experiment or Solid Plan?

April 12, 2010 by Joe Plemon 10 Comments

photo credit: pfala From its high in October 2007 through its low in March 2009, the S & P Index fell nearly 57%.  Many 401(k)s likewise plummeted drastically, forcing many to delay or scale back their retirements and bringing on the chorus of “failed experiment” in describing the 401(k) strategy.  But is it? A recent […]

Filed Under: Retirement

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