Primerica

Apr

16.18

April is Financial Literacy Month and there is no better time than now to take control of your financial future.

The current statistics are startling – according to a recent survey, more than 50 percent of working Americans have less than $1,000 saved for the future, and that percentage is growing.*

If you need help reaching your financial goals, these three tips can help you get started:

  • Stop living paycheck to paycheck. Next time you’re paid, pay yourself first. Allocate at least 10 percent (or more) of your earnings into an emergency savings account. Eliminate all non-essentials until you’ve accrued at least three months worth of your salary.
  • Pay off credit card debt. If you have credit card debt, you’ll want to move toward the habit of paying off all balances in full every month. Depending on your situation, you may have to pay down the debt until you have it paid off. A good way to do this is by using the debt stacking method where you make consistent payments on all your credit card debts and don’t accrue any new debt until you have all your debts paid off.
  • Meet with a financial representative.** Contact a Primerica representative for a complimentary, confidential and customized Financial Needs Analysis that will help you identify your personalized financial goals. By working closely with one of our representatives, you’ll have the information you need to examine your current financial situation and form strategies to help you reach your goals.

**Primerica Representatives are independent contractors. Representatives are not licensed to sell all products in all states/provinces. Representatives may provide products and services only to individuals in those jurisdictions where they are licensed or approved. For more information, see Primerica’s Important Disclosures.

Life-licensed Primerica representatives are agents of certain affiliated Primerica Companies. In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York. In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia. In Canada, term life insurance products and Common Sense Funds segregated fund products are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario.

In the U.S., securities are offered exclusively by PFS Investments Inc. In Canada, mutual funds are offered exclusively by PFSL Investments Canada Ltd, mutual fund dealer. Representatives not licensed with these entities cannot sell to you, or discuss with you, any securities or investment products. Primerica Home Office Address: 1 Primerica Parkway, Duluth, GA 30099. Canadian Head Office Address: 2000 Argentia Rd., Suite 300, Plaza V, Mississauga, Ontario L5N 2R7.

Advisory services offered through Primerica Advisors, which is the trade name under which PFS Investments Inc. conducts its investment advisory business.

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*GoBankingRates.com, “More Than Half of Americans Have Less Than $1,000 in Savings in 2017,” September 12, 2017


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Posted in Primerica, Tips |

Apr

04.18

On Saturday, March 31, 2018, the Fox Business Network aired this feature about Primerica on its Talk Business 360 program. This incredible segment showcases Primerica’s unique story on a national platform, adding to our credibility as a company and includes interviews with Primerica’s CEO, Glenn Williams, as well as several top Representatives.

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Posted in Primerica |

Mar

29.18

Teaching kids to have a healthy view of money provides them with an essential life skill — and if you’re a parent, you probably want to ensure that your children are set up for success when dealing with financial matters before they leave home.

When it comes to financial literacy, U.S. school systems are struggling. Only 20 states currently mandate that high school students take a course in economics and only 17 require them to take a personal finance course.1

What’s more… less than 20 percent of teachers say they feel competent to even teach personal-finance related topics!2

Bottom line? Financial education starts at home.

Here are five ways to encourage your children to develop positive money management skills:

Make sure your own financial house is in order. Children learn by example. Take stock of your own financial habits. If you think you may have some weaknesses in certain areas (outstanding debt, no emergency fund, etc.), you could consult the assistance of a trained professional by contacting a Primerica representative today.

Save coins in a clear jar. Drop change in a clear jar so your child can see the accumulation of a little becoming a lot over time. Make each deposit a learning experience. Once the jar is full, the two of you could make another activity by rolling the coins (banks still accept rolled coins) or taking them to a coin counting machine at a grocery store (these usually charge fees).

Teach money with books. Invest in children’s books that tackle the topic of money management. There are plenty of colorful and creative ways writers and illustrators have found to approach the subject of personal finance.

Help them shop smart. Children can learn a lot from trips to the grocery store. Use shopping trips as learning opportunities to make smart financial choices. Check labels and discuss what makes sense and what doesn’t. Talk with your child and let them help you weigh options and make choices.

Let them manage their own money. Aside from an allowance, which can instill the value of work and money, think of ways your child can manage money you’re already spending on them. Set up budgets for back-to-school shopping, extra-curricular activities, for party planning, or when buying anything new and let your child make the financial decisions that affect him or her.

1 CouncilforEconed.org, “Survey of the States,” January 2016
2 WSJ.com, “Should College Students Be Required to Take a Course in Personal Finance?” March 19, 2017
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Posted in Primerica |

Mar

16.18

You work hard for your money and look forward to payday… Who doesn’t? But over the past few months, you may have noticed your paycheck has increased – and not because of a promotion or extra hours worked.

 

It’s possible you have gotten a little extra income lately thanks to Congress’s new tax law changes. It’s estimated around 90% of workers saw an increase in their take-home pay.*

 

With a little more money at your disposal, it’s easy to let this ‘found’ money dissolve into your budget or get eaten up by unimportant expenses. But you have an opportunity to do something important with it…

 

Don’t miss the chance to put this income to work FOR YOU. Somewhere it will make a BIG impact, like protecting your family, saving for your future, or even starting a business.

 

Are you putting your tax savings to work for your future? YOU are in charge of your financial future, so it’s up to YOU to seize this opportunity.

 

* Marketwatch.com, “Mnuchin says 90% of workers will get more take-home pay under withholding change,” January 11, 2018

Primerica Representatives are independent contractors. Representatives are not licensed to sell all products in all states/provinces. Representatives may provide products and services only to individuals in those jurisdictions where they are licensed or approved.

Life-licensed Primerica representatives are agents of certain affiliated Primerica Companies. In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York. In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia.

In the U.S., securities are offered exclusively by PFS Investments Inc. Advisory services offered through Primerica Advisors, which is the trade name under which PFS Investments Inc. conducts its investment advisory business.

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Posted in Primerica, Tips |

Mar

14.18

Primerica was recently recognized by The Atlanta Journal-Constitution as one of the best workplaces in Georgia. Primerica appears on the list for the fifth year in a row and is the highest ranking Georgia-based public company! Read more about Primerica.

 

To learn more about how the Atlanta Top Workplaces were chosen, click here.

 

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Posted in Primerica |