Latest Posts

7 Ways to Save on Your Home Remodel

Anybody who's gone through a home remodel knows that they rarely go according to plan or budget. But as time passes and styles change, you must keep your home in proper repair and up to date in order to maintain and increase its value. With the average kitchen and bathroom remodel costing $20,556 and $9,348 (according to Homeadvisor), respectively, any renovation is bound to set you back a decent amount of cash. To help you accomplish the repairs and renovations you need while saving...Read more

When Not in Doubt, Doubt

The great French philosopher, Voltaire, once said, “Doubt is not a pleasant condition, but certainty is absurd.” I may get that tenet tattooed on my forearm! I was certain that, if Donald Trump won the presidency this past November, the condition of uncertainty would plague risk markets and cause a sharp flight-to-quality rally in treasury notes. I really had no doubt. After all, what exactly would a candidate who ran on the promise of dramatic change in fiscal spending, tax and trade policy,...Read more

Essentials for Successful Telephone and Email Sales

Technology has had a major impact on many industries and the financial services industry has certainly not gone unaffected. The future is here now and the financial footprint has become global. To ensure a share of market, it’s vital to prepare ourselves to maximize multiple delivery channels and telephone and email are two of those. There are two thoughts regarding building customer relationships and selling products/services over the telephone and email: Read more

Save Funds to Care for a Disabled Child Using an ABLE Account

Parents of disabled children face a number of challenges. One significant difficulty is ensuring that your child has enough money to pay for necessary care throughout his/her life. Previously, if you wished to establish a fund to care for a disabled child into adulthood, you had very few attractive options. Special-needs trusts are burdensome and heavy on fees. Government benefits help but of course are limited. Finally, there's some good news: the ABLE account. Read more

No Prizes for Halftime Scores

Last November, I submitted my predictions for 2016 in a piece titled “Looks Like Lower and Flatter for 2016.” By “lower and flatter,” I was referring to longer-term U.S. interest rates and the yield curve, respectively. My thoughts were that a number of factors, most of them outside the United States, would keep inflation well at bay and actually continue to inspire dark thoughts of deflation in Europe and Japan. Additionally, a lower growth recalibration for China and emerging market economies...Read more

The Top 5 Most Popular LenderHub Posts: 2016 Edition

We can say a lot about 2016—some of it good, some not so great. In 2016, pop icon, Prince passed away, Leonardo DiCaprio finally won an Academy Award for Best Actor in a motion picture, Michael Strahan left Live with Michael and Kelly to join Good Morning America, boxing legend, Muhammad Ali, passed away, Britain voted to leave the European Union (a.k.a Brexit), Pokemon Go was "a thing," the Chicago Cubs won the World Series for the first time in 108 years, and Donald Trump was elected...Read more

The Top 5 Most Popular BusinessHub Posts: 2016 Edition

It’s that time of year where we say goodbye to 2016 and hello to 2017! With a new year comes new resolutions. Whether you’re overhauling your company’s financial goals, or just making a few minor tweaks, the new year is a perfect time to reevaluate your monetary goals and the goals you have for your employees and your workforce for the upcoming year. Read more

The Sales Presentation Begins at  'Hello'

In this hi-tech, digital age, we tend to lose the "art" of conversation with our customers. Customers are the lifeblood of a business, so building a strong rapport with them is imperative to the success of almost any organization. Learning about your customers and developing a strong relationship can take time and dedication, so deploying the right communications strategies is critical. Here are four steps for establishing better communication and, in turn, lasting relationships with your...Read more

The Top 5 Most Popular PersonalHub Posts: 2016 Edition

New years often bring new resolutions. If you've resolved to get your personal finances in order, you came to the right place! Here were the most popular financial planning posts from our PersonalHub blog in 2016. Read more

9 Ways to Kick off the New Year with a Winning Wellness Program

As the new year approaches and consumers begin to jot down their New Year's resolutions, taking steps to lead a healthier life is always at the top of the list. As a business leader, you have the power to support your employees in their quest for better healthy by implementing some proven methods that promote healthier employees, which means lower health care costs, less absenteeism, and higher productivity. Sounds like a win-win, right? Read more

The 13 Biggest VA Loan Myths BUSTED!

Did you know that there's a huge percentage of veterans who don’t even know they have a wonderful home loan benefit? VA loans are an excellent way for veterans to purchase a home or refinance an existing one. Unfortunately, along with the lack of knowledge about the program, there are a lot of misconceptions about the VA loan process. VA loans do not have to be difficult to understand. Check out this list below to help shed some light on common myths and facts on the VA home loan. Read more

Say What?! 10 Things You May Not Know About Auto Insurance

When it comes to selecting auto insurance, sometimes it’s just easiest to go with the company your parents use, a friend’s recommendation, or the company with the catchy commercial jingle. However, since insurance companies have different rates and coverage options, these really aren’t the best ways to decide what carrier and coverage are best for you. Shopping around is essential to getting the proper coverage and service you need at a price that fits your budget. Since not every insurance...Read more

Affordable Care Act Requirements Taking Effect in 2017: Vol. 1

The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted in 2010. While many key ACA reforms took effect in 2014 and 2015, there are still a number of requirement changes coming up in 2017. In preparation for these changes, we’ll be featuring a series of posts to walk you through these new requirements and help you develop a compliance strategy. This post, Volume 1, is focused on plan design changes. Read more

What to Expect When Closing on Your New Home

You have everything checked off on the mortgage process checklist above, and have finally made it to the very last, most exciting check mark—closing the transaction, also known as the settlement.  This is the moment where ownership of the home will transfer to you, the buyer, from the seller. But before the closing is final and the keys to your new house are dropped in your hands for good, there are a few things you need to know to help you prepare: Read more

5 Tips to Safeguard Your Company from Cyber Attacks

Everyone knows that fraud, in all its forms, is expensive. According to the Association of Certified Fraud Examiners, the typical organization loses 5% of its revenue any given year to fraud. Assuming you don't want to hand over 5% of your company's revenue to fraudsters each year, here are some tips to tighten your electronic controls and prevent cyber attacks, which affect the majority of companies on a daily or weekly basis. Read more

Improve Your LinkedIn Profile in 5 Simple Steps

Many business professionals that I regularly interact with are somewhat perplexed when it comes to LinkedIn. While most people of all age groups understand the basics of social media from a personal perspective—Facebook, Twitter, Instagram—LinkedIn falls into a different category where the lines of what to include in your profile and what type of content to share can become blurred. If you're using LinkedIn to build your professional network, generate leads, or search for career...Read more

The Differences Between Term Life and Permanent Life Insurance

Although most people don’t like to think about it, getting life insurance is an important decision for you and your family. Buying life insurance now helps protect your dependents later if you’re not around to take care of them. After you’re gone, your family can use the proceeds to cover funeral costs, mortgage and other loan payments, college tuition, and other expenses. Read more

When to Dip Into Your Emergency Savings Fund

If you look up "emergency" in Merriam-Webster's dictionary, you'll see the definition is listed as, "an unexpected and usually dangerous situation that calls for immediate action."  When considering whether a specific expense is an appropriate use of the emergency savings fund you probably saved for years to accumulate, the word unexpected is key.  Read more

Save Money on Your Teenage Driver's Auto Insurance

If you’re already complaining about your teen's extracurricular expenses, then you don’t have a 16-year old who’s about to get their license and start driving. Not only does the expense of purchasing an additional vehicle come to your mind, but the added expense of an auto insurance policy probably gives you a little anxiety as well. While teens are considered a higher-risk, it doesn’t mean you will have to break the bank when purchasing an auto insurance plan. Here are few tips and tricks you...Read more

Department of Labor Fiduciary Ruling: 5 Things You Need to Know

The Department of Labor (DOL) Fiduciary Ruling is good news for employers and their employees. The primary benefit of the new legislation is that investment professionals that offer investment recommendations for retirement plans will be held to the fiduciary standards as defined by ERISA. While you may believe your existing investment advisor has served in this role, this is less common than most employers would think. Use the five questions listed below to confirm that you are taking...Read more