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Managing Money Well as a Couple

 

Managing Money Well as a Couple

 

What are the keys in planning to grow wealthy together?

 

Provided by Exemplar Financial Network

 

bigstock-Young-Married-Couple-With-Many-163632509.jpgWhen you marry or simply share a household with someone, your financial life changes – and your approach to managing your money may change as well. To succeed as a couple, you may also have to succeed financially. The good news is that is usually not so difficult.

 

At some point, you will have to ask yourselves some money questions – questions that pertain not only to your shared finances, but also to your individual finances. Waiting too long to ask (or answer) those questions might carry an emotional price. In the 2016 TD Bank Love & Money survey of 1,902 consumers who said they were in relationships, 42% of the respondents who described themselves as “unhappy” cited their number one financial error as “waiting too long” to discuss money matters with their significant other.1

Saving $1 Million for Retirement

 

Saving $1 Million for Retirement

 

How can you plan to do it? What kind of financial commitment will it take?

 

Provided by Exemplar Financial Network

 

bigstock-Watering-can-and-money-tree-small.jpgHow many of us will retire with $1 million or more in savings? More of us ought to – in fact, more of us may need to, given inflation and the rising cost of health care.

 

Sadly, few pre-retirees have accumulated that much. A 2015 Government Accountability Office analysis found that the average American aged 55-64 had just $104,000 in retirement money. A 2016 GoBankingRates survey determined that only 13% of Americans had retirement savings of $300,000 or more.1,2

What Does Your Home Insurance Policy Cover?

 

What Does Your Home Insurance Policy Cover?

 

Take a moment to see if you are adequately protected.

 

Provided by Exemplar Financial Network

 

bigstock-Insurance-small.jpgNot all home insurance policies are alike. Coverage amounts obviously vary, and so do coverage areas. Taking ten minutes to scrutinize what your policy does (and does not) cover is a wise idea.

Should You Pay Off Your Mortgage Before You Retire?

 

Should You Pay Off Your Home Before You Retire?

Before you make any extra mortgage payments, consider some factors.

 

Provided by Exemplar Financial Network

 

bigstock-Paid-in-Full-words-on-checks-small.jpgShould you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done?

 

In reality, things are not so cut and dried. There is a fundamental opportunity cost to consider. If you decide to put more money toward your mortgage, what could that money potentially do for you if you were to direct it elsewhere?

Could Unclaimed Money Be Yours?

 

Could Unclaimed Money Be Yours?

How can you find & obtain it?

 

Provided by Exemplar Financial Network

 

bigstock-Missing-milk-carton-small.jpgMore than $40 billion in unclaimed cash & property waits to be returned. At first glance, that figure seems staggering, unbelievable – and, yet, it is true. To be more exact, the National Association of Unclaimed Property Administration (NAUPA), a coalition of state unclaimed property programs, puts the total at $41.7 billion.1   

Could You Improve Your Personal Finances Today?

 

Could You Improve Your Personal Finances Today?

 

Simple decisions & new habits might lead you toward a better financial future.

 

Provided by Exemplar Financial Network

 

bigstock balloons rising small.jpgIn life, there are times when simple decisions can have a profound impact. The same holds true when it comes to personal finance. Here are some simple choices you could make that may leave you better off financially – in the near term, the long term, or both.

Should You Care What the Market Does Each Day?

 

Should You Care What the Market Does Each Day?

 

A calm investor may realize better long-term returns than an overly concerned one.

 

Provided by Exemplar Financial Network

 

bigstock-Businessman-analyzing-investme-small.jpgInvestors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something, especially today when so much is just a click or two away.

Mind Over Money

 

Mind Over Money

Emotion often drives our financial decisions, even when logic should.

 

Provided by Exemplar Financial Network

 

bigstock-Stock-market-concept-Dice-small.jpgWhen we go to the grocery store, we seldom shop on logic alone. We may not even buy on price. We buy one type of yogurt over another because of brand loyalty, or because one brand has more appealing packaging than another. We buy five bananas because they are on sale for 29 cents this week – the bargain is right there; why not seize the opportunity? We pick up that gourmet ice cream that everyone gets – if everyone buys it, it must be a winner.

 

As casual and arbitrary as these decisions may be, they are remarkably like the decisions many investors make in the financial markets.

Funding 35-40 Years of Retirement

 

Funding 35-40 Years of Retirement

 

If you live to 100, can you avoid outliving your money?

 

Provided by Exemplar Financial Network

 

bigstock-Cheerful-Old-Woman-Sitting small.jpgWill you live to 100? Your odds of becoming a centenarian may be improving. Earlier this year, the Centers for Disease Control reported that the population of Americans aged 100 or older rose 44% between 2000-2014. The Pew Research Center says that the world had more than four times as many centenarians in 2015 as it did in 1990.1,2

Social Security - Myths vs. Facts

 

Social Security: Myths vs. Facts

Dispelling some misperceptions about the program.

 

Provided by Exemplar Financial Network

 

bigstock-Social-security-small.jpgSome myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits.

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