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Financial Steps to Take Before a Divorce

 

Financial Steps to Take Before a Divorce

Wise moves to make before things are finalized.

 

Provided by Exemplar Financial Network

 

bigstock-Divorce-small.jpgBefore your divorce goes through, it will be wise to check up on financial matters. It will be better to assess the state of your financial life before the split rather than after.

Retirees Are Racking Up Credit Card Debt

 

Retirees Are Racking Up Credit Card Debt

New statistics point out an alarming financial problem.

 

Provided by Exemplar Financial Network

 

bigstock-Colorful-stack-of-credit-cards-small.jpg$6,876. That is the average amount of credit card debt owed by an American household headed up by an individual aged 65-69.1

 

If you are newly retired or close to retiring, that figure may alarm you. It is more than twice the amount of Social Security’s maximum monthly income payment.2

 

Credit card use is surging, and seniors are taking on more revolving debt as part of the trend. That $6,876 figure comes from personal finance website ValuePenguin, which just published its latest yearly study on U.S. credit card debt. As ValuePenguin found, revolving debt shrinks little with age: in households headed up by those 75 and older, the mean credit card balance was $5,638.1

Characteristics of the Millionaires Next Door

 

Characteristics of the Millionaires Next Door
The habits and values of wealthy Americans.

 

Provided by Exemplar Financial Network

 

bigstock-Business-partners-about-to-boa-58892738.jpgJust how many millionaires does America have? By the latest estimation of Spectrem Group, a research firm studying affluent and high net worth investors, it has more than ever before. In 2015, the U.S. had 10.4 million households with assets of $1 million or greater, aside from their homes. That represents a 3% increase from 2014. Impressively, 1.2 million of those households were worth between $5 million and $25 million.1

Are You Insured?

 

Are You Insured?

Too many Americans have no life insurance. Their loved ones may pay dearly for that choice.

 

Provided by Exemplar Financial Network

 

bigstock-Insurance-small.jpgSeptember is National Life Insurance Awareness Month – a good time to think about the value and importance of insuring yourself.

 

According to a recent Bankrate survey, 42% of Americans have no life insurance at all. They may not know that life insurance coverage has become much more affordable than it once was.1

Updating Your Estate Plan

 

Updating Your Estate Plan

 

When should you review it? What should you review?

 

Provided by Exemplar Financial Network

 

bigstock-Estate-planning-worksheet-15145028 (1).jpgAn estate plan has three objectives. The first goal is to preserve your accumulated wealth. The second goal is to express who will receive your assets after your death. The third goal is to state who will make medical and financial decisions on your behalf if you cannot.

Why Life Insurance Matters

 

Why Life Insurance Matters

Besides the death benefit, it may also help you financially during your life.

 

Provided by Exemplar Financial Network

 

bigstock-Happy-Child-Happy-Life-5600427.jpgAs Bankrate.com noted, 43% of Americans have no life insurance. Some view it as optional; some have simply procrastinated when it comes to buying a policy. Others believe that they can’t afford it.1

Why Life Insurance Matters

 

Why Life Insurance Matters

Besides the death benefit, it may also help you financially during your life.

 

Provided by Exemplar Financial Network

 

bigstock-Happy-Child-Happy-Life-5600427.jpgAs Bankrate.com noted, 43% of Americans have no life insurance. Some view it as optional; some have simply procrastinated when it comes to buying a policy. Others believe that they can’t afford it.1

Think About Your Lifestyle Before You Retire

Think About Your Lifestyle Before You Retire

Sometimes planning for retirement isn’t entirely about money.

 

Provided by Exemplar Financial Network

 

bigstock-Cheerful-Old-Woman-Sitting small.jpgHow many words have been written about retirement? It’s a preoccupation for many, and we devote so much time, thought, and energy toward saving for the last day we go to work. Saving and investing in such a way that we no longer have to work may seem ideal at first, but it raises a question: what do you have planned for all of that free time?

Money Habits That May Help You Become Wealthier

 

Money Habits That May Help You Become Wealthier

 

Financially speaking, what do some households do right?

 

Provided by Exemplar Financial Network

 

bigstock-Progression-to-Success-5874519.jpgWhy do some households tread water financially while others make progress? Does it come down to habits?

 

Sometimes the difference starts there. A household that prioritizes paying itself first may end up in much better financial shape in the long run than other households.

Article: Are you Prepared for an Emergency?

Are you Prepared for an Emergency?
Presented by Exemplar Financial Network

disaster plan notepad small.jpgFirestorms, tornadoes, hurricanes: these are just a few of the possibilities that can force you to suddenly and unexpectedly leave your home. When disaster strikes, it’s crucial that you act quickly. How can you be prepared for such an emergency evacuation?

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