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Exemplar Editorial

The Holiday Shopping Has Begun

The Holidays Are Coming

Here are some out of the box ways to avoid stress on your pocketbook

Presented by Exemplar Financial Network


bigstock-Piggy-bank-with-Santa-Claus-small.jpgThe holidays are coming.  Gift giving, relative  kissing, card sending and credit card spending are about to commence.  For many of us, the holidays add additional stress not just to our psyche but to our pocket books as well.  If you find yourself saying, “This year will be different, I will not stress myself out by overspending.”  Then, it’s probably time to put a plan into action on how to accomplish that goal.

Here are some very practical ideas for saving a couple of dollars and your sanity during the holidays:

Accentuating the Positive

Accentuating the Positive

Retiring? Saving for retirement? Here’s some good news.


Provided by Exemplar Financial Network


bigstock-think-positive--motivational small.jpgAre 90% of articles written about retirement pessimistic? Sometimes it seems that way. Repeatedly, we are reminded that most baby boomers haven’t saved enough for the future.


There’s no denying this, but the media is giving short shrift to other, more positive developments that may be improving the economic and retirement outlook for many Americans. Here are a few worth noting.

Exemplar Crystal Lake Office Hosts Annual Veteran's Day Event

certificate presentation CL small.jpgCrystal Lake, IL, November 11, 2014 – Exemplar Financial Network hosted it’s annual veteran’s appreciation event in their Crystal Lake office on Friday, November 7, 2014. This year, Crystal Lake veteran Hugo “Nick” Oster was selected as the honoree. Sgt. Oster served in the United States Army from 1952-1954 during the Korean Conflict as a communications specialist. This is the fifth year Exemplar Financial Network has honored local veteran’s with an open house. This year Exemplar was excited to have Mary O’Brian from Quilts of Valor come and present Sgt. Oster with a quilt honoring his years of service.

Exemplar Westmont Office Hosts Annual Veteran's Day Event

certificate presentation westmont small.jpgWestmont, IL, November 11, 2014 – Exemplar Financial Network hosted it’s annual veteran’s appreciation event in their Westmont office on Monday, November 10, 2014. This year, 97 year old Chicago veteran and Exemplar client, Eugene Nieland was selected as the honoree. Mr. Nieland worked his way up through the ranks in the United States Army throughout WWII to the rank of Sergeant. As part of the 456 division, Gene spent three years in the European theater and received a Bronze Star and the Croix de Guerre. Gene was accompanied by his daughter Carol Shields.

Getting Financially Fit for Retirement at 50


Getting Financially Fit for Retirement at 50

Things for trailing-edge boomers & Gen Xers to consider.


Provided by Exemplar Financial Network


bigstock-Financial-Fitness-Gold-Dollar small.jpgWhen you turn 50, retirement starts to seem less abstract. In terms of retirement planning, a 50th birthday can act as a wake-up call. It may offer a powerful reminder to trailing-edge baby boomers and Gen Xers, many of whom are wrapping up their second act with inadequate retirement savings for their third. 


Four Words You Shouldn't Believe


Four Words You Shouldn’t Believe

These are the words that make investors irrational.


Provided by Exemplar Financial Network


stock market newspaper small.jpg“This time is different.” Beware those four little words. They are perhaps the most dangerous words an investor can believe in. If you believe “this time is different,” you are mentally positioning yourself to exit the stock market and make impulsive, short-sighted decisions with your money. This is the belief that has made too many investors miss out on the best market days and scramble to catch up with Wall Street recoveries.


Stock market investing is a long-term proposition – which is true for most forms of investing. Any form of long-range investing demands a certain temperament. You must be patient, you must be dedicated to realizing your objectives, and you can’t let short-term headlines deter you from your long-term quest.

That First RMD from Your IRA


That First RMD from Your IRA

What you need to know.


Provided by Exemplar Financial Network


time to retire small.jpgWhen you reach age 70½, the IRS instructs you to start making withdrawals from your Traditional IRA(s). These IRA withdrawals are also called Required Minimum Distributions (RMDs). You will make them annually from now on.1


If you fail to take your annual RMD or take out less than what is required, the IRS will notice. You will not only owe income taxes on the amount not withdrawn, you will owe 50% more. (The 50% penalty can be waived if you can show the IRS that the shortfall resulted from a “reasonable error” instead of negligence.)1


Many IRA owners have questions about the options and rules related to their initial RMDs, so let’s answer a few.


Fall Financial Reminders


Fall Financial Reminders

The year is coming to a close. Have you thought about these financial ideas yet?


Provided by Exemplar Financial Network


don't forget cartoon lady small.jpgAs every calendar year ends, the window slowly closes on a set of financial opportunities. Here are several you might want to explore before 2015 arrives.


Ebola Fears Weigh on Wall Street


Ebola Fears Weigh on Wall Street

How will the market contend with a major unknown?


Provided by Exemplar Financial Network


ebola small.jpgWhat is the Ebola virus doing to stocks? That depends on who you ask. While the threat of another European recession, rapidly falling oil prices and the oncoming end of QE3 all had a hand in the selloff that intensified this week, the Ebola virus – a great unknown – sent a definite shudder through Wall Street.


The Market's Wild Swings

The Market’s Wild Swings

A hugely volatile week concludes. What’s next as earnings season gets underway?


Provided by Exemplar Financial Network


bigstock-Display-of-Stock-market-quotes-small.jpgDuring this past trading week, volatility ruled Wall Street. In fact, stocks either fell or rose 1.5% or more on three consecutive trading days. That had happened only 54 times since 1928.1 


What prompted these ups & downs? Several factors. The International Monetary Fund just cut its global and Asia growth forecasts for 2015 and stated that the eurozone could soon slide into another recession. European Central Bank president Mario Draghi wants easing to stimulate the eurozone economy, yet German finance minister Wolfgang Schäuble doesn’t. The DAX and CAC 40 (the benchmark indices of Germany and France) have both corrected since spring.2


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