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Exemplar Editorial

Are There Blind Spots in Your Insurance Plan?

 

Are There Blind Spots in Your Insurance Plan?

Deficient coverage may cost you someday.

 

Provided by Exemplar Financial Network

 

bigstock-Insurance-small.jpgMany households and businesses are insufficiently insured. The problem is not necessarily the quality of coverage, but the breadth and depth of it. Your own business or household may be more vulnerable than you realize.

 

Too many people go without disability insurance. If you work in a physically demanding field, your employer may provide short-term disability coverage – but many companies do not. According to the Bureau of Labor Statistics, just 39% of workplaces offer employees short-term coverage, and only 33% offer long-term coverage.1

5 Common Financial Terms - You Probably Should Know

bigstock-Close-Up-Of-Old-English-Dictio small.jpgIf you’re just starting to take charge of your financial future, it can be stressful approaching financial planning with confidence.

Is a Home an Investment?

 

Is a Home an Investment?

From one perspective, the answer is yes; from another, no.

 

Provided by Exemplar Financial Network

 

bigstock-building-mortgage-investment-125889929.jpgWhen you buy a home, are you investing? If you buy it to flip it or buy it as a rental property, the answer is yes. If you buy a home simply to live in it, the answer may be no.

 

Your home is an expression of your lifestyle, a wonderful setting for your life, and a place you can enjoy in privacy and comfort. As an investment, though, it is essentially illiquid, and its rate of return is no sure thing. 

Avoiding the Cybercrooks

 

Avoiding the Cybercrooks

How can you protect yourself against ransomware, phishing, and other tactics?

 

Provided by Exemplar Financial Network

 

bigstock-Computer-Security-Breach-Cyber-small.jpgImagine finding out that your computer has been hacked. The hackers leave you a message: if you want your data back, you must pay them $300 in bitcoin. This was what happened to hundreds of thousands of PC users in May 2017 when they were attacked by the WannaCry malware, which exploited security flaws in Windows.

 

How can you plan to avoid cyberattacks and other attempts to take your money over the Internet? Be wary, and if attacked, respond quickly.

Getting Kids Excited and Ready for the School Year

Getting Kids Excited & Ready for the School Year

Little things that might help your children look forward to the fall.

 

Provided by Exemplar Financial Network

 

bigstock-Strong-child-with-muscles-draw-62087015.jpgHow can you get your kids back in school mode? Unscheduled summer days can lead to unstructured mornings and frustration for families when school days roll around. You may be wondering what you can do to bring back some organization in the mornings.

Preventing a Debit Card Hack

Preventing a Debit Card Hack

How can you plan to protect yourself against this increasingly common crime?

 

Provided by Exemplar Financial Network

 

bigstock-Colorful-stack-of-credit-cards-small.jpgDebit card data theft has surged lately. According to FICO’s Card Alert Service, the number of businesses or ATM locations where debit cards were hacked rose 26% from 2015 to 2016. Additionally, the number of compromised cards has steadily risen during this decade.1

Will You Really Be Able to Work Longer?

Will You Really Be Able to Work Longer?

You may assume you will. That assumption could be a retirement planning risk.

 

Provided by Exemplar Financial Network

 

bigstock-Retirement-Plan-Savings-Senio-small.jpgHow long do you think you will work? Are you one of those baby boomers (or Gen Xers) who believes he or she can work past 65?

 

Some pre-retirees are basing their entire retirement transition on that belief, and that could be financially perilous.

Talking to Your Kids About Your Wealth

Talking to Your Kids About Your Wealth

How can you convey its importance and its meaning?

 

Provided by Exemplar Financial Network

 

bigstock-Girl-Saving-Money-With-Family--smaller.jpgAre you an owner of a thriving business or a medical or legal practice? Are you a highly paid executive? If you have children, at some point they may discern how wealthy you are – and in turn, learn how “rich” they are. How will you handle that moment? How will they handle that knowledge?

Beware of Emotions Affecting Your Money Decisions

 

Beware of Emotions Affecting Your Money Decisions

Today’s impulsive moves could breed tomorrow’s regrets.

 

Provided by Exemplar Financial Network

 

bigstock-Dog-With-Calculator-Cents-small.jpgWhen emotions and money intersect, the effects can be financially injurious. Emotions can cause us to overreact – or not act at all when we should.  

 

Think of the investors who always respond to sudden Wall Street volatility. That emotional response may not be warranted, and they may come to regret it.

One Couple, Two Different Retirements

 

One Couple, Two Different Retirements?

After many years together, some retired spouses may find their daily routines far apart.

 

Provided by Exemplar Financial Network

 

bigstock-A-senior-adult-couple-sitting--small.jpgWhen you see online ads or TV commercials about retirement planning, do they ever show baby boomer couples arguing? No. After all, retirement planning is about the pursuit of a happy outcome – a fun and emotionally rewarding “second act” that spouses and partners can share.

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