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Personal Finance By The Book

Personal Finance By The Book

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

The Envelope Story: A Reminder of Hope

June 25, 2010 by Joe Plemon 9 Comments

Janice and I have a framed envelope hanging in our house. This envelope is unassuming; it has no return address, no first name, a misspelled last name, and 88 cents postage due. Yet it is a vivid reminder of God’s answers to prayer.

Filed Under: Biblical Thoughts On Finance

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

Why Following Christ = Better Money Management

June 18, 2010 by Joe Plemon 9 Comments

Jesus never sugar coated his message – rather than inviting any and all to follow him, he consistently spurned those who weren’t willing to lay their very lives on the line. Because following Jesus meant embarking on a life of sacrifice and suffering, there was no place for half – hearted commitments. It had to […]

Filed Under: Biblical Thoughts On Finance

How to Pay Off Your House (and everything else) Early

June 14, 2010 by Joe Plemon 21 Comments

How to Pay Off Your House and Everything Else Early

“It seems like we will be making house payments forever. We owe $140,000 at 6% interest and are paying $1000 a month. How much sooner could we pay off our mortgage early if we started paying an extra $100 a month?”The above is a hypothetical question, but it could be you. There are two answers: […]

Filed Under: Budgeting, Debt, Dollars and Sense

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