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50706-SolutionsNewsletter (1)

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  1. 1. INSIDE 2 0 1 6 • I s s u e 1 Feel good about money. While setting goals is important, it’s also important to review the progress you’ve made. What financial goals have you already reached this year? Have you paid off debt or grown your savings? If that’s a struggle, try repeating simple positive affirmations like, “I’m good with money.” Create a money roadmap. Where are you going financially? What long-term and short- term financial goals do you hope to achieve? If you haven’t yet figured out how to spend less, save more and pay down debt, consider asking your Primerica representative for a complimentary, confidential Financial Needs Analysis (FNA). It can help you bring your finances into focus. Resolve to earn more. One way to boost your financial outlook is to earn more money. Do you have a hobby, skill or expertise you could do on a contract or freelance basis? For example, if you play guitar, you could offer guitar lessons. Or talk to your Primerica representative about starting a part-time business helping families with their finances. Update your insurance. Our life insurance needs change over time. If you recently got married, had a baby (or another baby) chances are you need more life insurance. Financial experts recommend reviewing your life insurance coverage at least every five years. Talk money at home. If you’re financially stressed, don’t keep it bottled up – share what you’re feeling at home. In appropriate ways, invite your children into the money conversation. Protect your money. Careful estate planning can prevent confusion, chaos and stress for your loved ones. Yet, six in 10 Americans do not have a will – and within that group, 70% of those with children under age 18 in their household do not have a will.* With no will, families can be divided in a time of grief. Ask your Primerica representative about the Primerica Legal Protection Program (PLPP), which includes will preparation among its many benefits. You and your finances have a close relationship. Follow these tips to make it a happy new year. E X C L U S I V E L Y F O R P R I M E R I C A C L I E N T S Happy New Year • Stuck in Debt Forever? No! • Do You Need More Life Insurance? • Protect Your Home from the Big Chill Did you know?? 41% of people feel better about their finances compared to last year, while 59% do not. Finance.yahoo.com, June 24, 2015 41% for a “3 Financial Resolutions for a Happy New Year,” CNBC.com, October 9, 2015 Financial Resolutions
  2. 2. solutions 1. Make a decision. Just deciding that you’re tired of living in the debt cycle and ready to break free is the first step to getting out of debt.To take your commitment a step further, put it in writing. 2. Review at the numbers.Take stock of all your debts and review the amount owed to each. 3. Keep the cards at home. Ifyouhavetrouble resistingthetemptationtospend,keepyourplasticat homewhenyougoshopping. 4. Go green (cash). Many people have found switching to cash can help relieve dependence on credit cards.Try it! 5. Get fans onboard. Tell your friends and family about your plans and enlist their support. When you feel frustrated or hit a roadblock, call them for encouragement. 6. Monitor your progress. Once a quarter, review your progress on your debts and see if you are making headway. Three Costly Credit Card Mistakes Try to avoid these missteps with your credit. Follow these steps to get yourself free from debt. No! Stuck in Debt Forever? Going into debt for rewards. Just because you get cash back doesn’t mean you should buy something you don’t need to get the rewards. Overspending. When you make just the minimum monthly payments, your balance continues to grow and eventually you have to pay back what you borrowed plus interest. Think of your credit card more like a debit card linked to your bank account. Closing a credit card. One of the major pieces of your overall credit score is the age of your credit accounts. The higher the age, the better it is for your credit score. A long relationship with a credit card company tells lenders that you have been borrowing money and repaying it over the years. POOR GOODCREDIT SCORE What’s your new year’s financial resolution? 55% Save more 20% Pay off debt 17% Spend less Did you know?? Resolutionswork!Among thosewhomadeafinancial resolutionlastyear,51%say theyarebetterofffinancially. Only38%ofthosewhodid notmakearesolutioncansay thesame. Fidelity Investments 2015 New Year Financial Resolutions Study 51%
  3. 3. Do You Need More Life Insurance? $200 Additional amount people plan to save per month in the new year. Fidelity Investments 2015 New Year Financial Resolutions Study 57% of people plan to focus on long-term goals in the new year. Fidelity Investments 2015 New Year Financial Resolutions Study As your family reaches certain milestones, chances are you need to adjust your coverage. Check out these three instances where you may need to modify your life insurance coverage. Money, July 2015 What are your long-term resolutions? 56% Save for retirement in an IRA or a workplace savings plan 27% Save for college What are your short-term resolutions? 52% Create emergency fund 39% Save for a vehicle 38% Pay down credit card debt 35% Save for a home 35% Purchase big ticket household item Money Lessons for Young Learners Even before children have the ability to understand money (it’s an abstract concept) they can develop abilities that lay the foundation for a bright financial future. Practice self- control. Have your preschooler wait a few minutes before getting her favorite snack. Research shows that helping young children develop self-control at an early age can put them on track for financial success. Show them how to wait. Saving a toy for a special occasion might not seem like a money lesson, but it teaches delayed gratification, another skill that sets them up for money. Allowance isn’t about money. Access to money alone won’t help your child build habits he will need as an adult. Include guidance about saving and budgeting along with the allowance. Children as young as five can be ready to learn about saving and spending. #1 Someone depends on you financially. If you’re married without children, you may need coverage if your spouse relies on your income to help pay the mortgage and other bills. If you have kids, you really need life insurance. And most people don’t have enough. #2 You have small children. This is when you need the greatest amount of life insurance. When you’re young, your needs are greatest because you’re support- ing a young family. Most financial experts recommend purchasing a policy of at least seven to 10 times your gross income (more if you have more kids and your expenses are on the rise). #3 Every five years. Many financial experts recommend reviewing your life insurance needs every five years and whenever you have a major life change, such as the birth of another child, starting a new job or taking out a bigger mortgage. Even after your kids are on their own, financial experts recommend keep- ing some insurance as long as you’re working to help your spouse pay the bills and save for retirement. Fidelity Investments 2015 New Year Financial Resolutions Study 35% Save for retiree health care costs
  4. 4. solutions © 2016 Primerica / A8872 / 50706 / 1.16 / 15PFS483-2 This brochure is intended for informational purposes only and should not be construed as a solicitation to sell or offer any of Primerica’s products or services.  Representatives are prohibited from selling or offering to sell any product or service for which the Representative is not appropriately licensed. Representatives are not licensed to sell all products in all states/provinces. Representatives may provide products and services only in those jurisdictions where the Representative is licensed or approved. solutions www.primerica.com AnindependentrepresentativeofPrimerica.Terminsuranceoffered byPrimericaLifeInsuranceCompany,ExecutiveOffices:Duluth,GA. AdvisoryServicesofferedthroughPrimericaAdvisors.Securities offeredbyPFSInvestmentsInc.,MemberFINRA.PrimericaandPFS InvestmentsInc.areaffiliatedcompanies Name Title LifeLicenseNumber AddressLine1 AddressLine2 City,CaliforniaZIP (XXX)XXX-XXXXOffice (XXX)XXX-XXXXCell (XXX)XXX-XXXXFax www.primerica.com/name first.last@primerica.com Protect Your Home Money, March 2015 *Kiplinger’s, February 2013 Do you want to have your own business someday? 53% Absolutely 23% I’m considering it 17% I already do 7% No way from the Big Chill Get your home ready for winter and save money in the long run with these winter-readiness tips. 1. Add stormproof shutters. Your insurer saves money when you protect your home. Did you know that by simply adding stormproof shutters you could reduce your premium up to 35%?* 2. Protect your pipes. Frozen pipes are a common cause of home damage in the winter. To prevent costly repair, wrap basement and crawl space pipes with insulation. During a cold snap, open cabinets to allow warm air to flow around the pipes and let water drip slowly from faucets to prevent pressure build up. 3. Stay safe. One of the biggest dangers from furnaces and other sources of heat is carbon monoxide poisoning caused by improper ventilation. Install a carbon monoxide detector on each floor of your home. Also buy a sturdy screen to keep sparks in the fireplace. 53%

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