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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.

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.

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Have you met your team?

We have a wealth of experience in the financial services industry.

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