Elaine M. Clements

Comments

• Mrs. Clements and Mr. Sheremeta have posted several notes in the Forum encouraging both new participation /engagement as well authorship of newsletter worthy articles. That said, an established member of a community welcoming a new member to a community and encouraging them to share is a nice thing to do. I monitor this website regularly, as does Mr. Sheremeta. My husband designed the Forum so that it would be a community of readers sharing not only notes of their personal financial journeys but forging relationships based on a common interest - personal finance. And it is through this common interest that the "mission" is sustained. I would like to remind you that my husband died just three months ago. i have asked readers to be mindful and patient during this transition, apparently to no avail. If you have gripes about the site, its direction, etc., a personal email would the kinder route. And per Jonathan Clements, NO images, graphics, etc., are to be posted on the site.

  Post: New Voices

  Link to comment from December 28, 2025

• Yes, the good work will continue. As you know, Jonathan endeavored to take care of his affairs as soon as he learned of his diagnosis. Humble Dollar was a key part of this. Bills are being paid. Please note that transition takes time and cannot be rushed. Humble Dollar was Jonathan's work, his hobby, and his entertainment. Please be patient with items needing moderation. And please keep in mind we are all doing the best we can.

  Post: Jonathan’s Service

  Link to comment from November 13, 2025

• Yes, there will be a stone in the garden one day per Jonathan's request. But please consider that his home is my home too. While he was wistful in writing this, I don't think he would want his home to become a tourist attraction of sorts and be disruptive to me.

  Post: Information on Jonathan’s Memorial Service

  Link to comment from October 5, 2025

• Dear all, I'm delighted that there is an interest in visiting Philly as part of Jonathan's memorial and all are welcome at the service. In fact, I was planning to post informaiton on live-streaming the service when it became available. But please note, that there will be limited capacity at the luncheon, and it is designed for family and close friends.

  Post: Information on Jonathan’s Memorial Service

  Link to comment from October 5, 2025

• From June Dosik: My sweet son jonathan has left our planet,and has given of himself to our world a wealth of knowledge in which we may make our life a little easier. May Humble Dollar thrive, and may you, Elaine.

  Post: Farewell Friends

  Link to comment from September 22, 2025

• Thank you for your comments. There will indeed be more hot water in my future.  The question now is from which source. Jonathan and I learned  a lot from your suggestions and will meet with a plumber in the near future.

  Post: One Last Book

  Link to comment from March 13, 2025

• Thank you for your thoughtful piece. I know several people aged < 60 who recently retired (both voluntary and involuntary) who share your experience.

  Post: Rough Start

  Link to comment from June 17, 2021

• While it would indeed be wonderful to travel, volunteer, spend quality time with family and friends etc., none of the aforementioned would be possible without good health. The ability to walk and remain active, engage intelligently with others, learn new things, and most importantly remember my loved ones would be enough for me to have a fulfilling retirement. And yes, having enough retirement income would be good too. But I’d rather have good health (body and brain) over money any day. 

  Post: What do you need for a fulfilling retirement?

  Link to comment from June 8, 2021

• I would quit my current job and spend those former work hours doing something that I actually love doing. Activities would include travel, cooking, taking classes and engaging in my creative hobbies, just to name a few. I would also volunteer to help others, perhaps in a memory care facility where I learned firsthand that I have a gift for dealing with dementia patients.

  Post: If money were no object, what would you change about your life?

  Link to comment from May 19, 2021

• When I received my first paycheck, my mother told me to pay myself first by putting some of the money into a savings account. Since then I have always done that. I'm grateful for that advice because there will always be a reserve, no matter how large or small, to help cover some of those unanticipated financial surprises.

  Post: What financial lessons—good or bad—did you learn from your parents?

  Link to comment from April 15, 2021