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PersonalHub

Your one-stop resource for everything related to your financial well-being. 

 

What Coverages Are Included in Auto Insurance?

When it comes to auto insurance, most drivers know that they need it, they know the basics about their policy choices—deductible, premiums, covered drivers—but rarely do consumers have a in-depth understanding of exactly what their policy covers. While it can be somewhat boring to pour through the pages of you insurance policy, it's important to understand the details of your coverage to ensure you aren't under-or over-insured.

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Plan Now to Fund Healthcare in Retirement

Saving sufficient funds for a comfortable retirement is a challenge for most of us. Sadly, there's another large expense to figure in your retirement calculations: healthcare. While most U.S. citizens are eligible for Medicare coverage at age 65, you'll still have a number of medical expenses to cover after you retire:

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Protect Your Vehicle Value from Severe Weather

Over the last few years, severe weather events have become more common and damaging than ever, costing the nation millions of dollars in damages. As weather threats increase, protecting your possessions should be a priority; this includes your vehicle(s). Since vehicles are typically parked out in the elements, they are directly exposed to any type of weather that strikes them. Though vehicles are durable, they cannot withstand severe weather as much as your home—making them vulnerable to damage.

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Farm-to-Table, Organic Mortgages?

In today’s fast paced and hectic life, it seems that more people are going “organic” (especially Millennials) when they purchase food for their families. Consumers seeking better quality are buying organic in droves, especially farm-to-table, locally-grown and sourced goods whenever possible. By having some degree of knowledge of where and how their food is produced, consumers have the peace of mind that they are feeding their families wholesome foodstuffs grown under sustainable farming practices.

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What to Expect During Your Life Insurance Medical Exam

Congratulations, you have successfully completed and submitted your life insurance application! So, what’s next? There’s a lot that goes into buying life insurance and many times, a life insurance medical exam is one of those items. Like any exam, being prepared can help eliminate those exam-day jitters. Your exam results will help an insurer determine if you qualify for a life insurance policy and if so, how much the final premium may cost you.

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The Rise of Auto Insurance Rates and How You Can Avoid Them

In the auto insurance world, the news of late is not good for anyone—auto insurers are making less money than they used to, and in an attempt to recoup some of their lost profits, insurers are charging higher rates for coverage. Here's the lowdown on why auto insurance rates are rising and what you as a policyholder can do to minimize the increases.

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The Nightmare of You: Why Authenticators Matter

Each day you probably use authenticators to prove your identity and establish trust. Whether it's accessing your cell phone, your bank accounts, or your employer's network, authentication is a part of our daily life. Without authenticators, establishing trust would make business transactions very difficult, and without secure authentication, an imposter could severely damage a business and your digital persona. Proving identity is increasingly important as we use global online services and surround ourselves with the internet.

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5 Home Renovations for Senior Citizens

It’s a reality that every single one of us will eventually be faced with: getting older.

Sooner or later, our living situations will need to adjust to accommodate the struggles associated with aging bodies. For those who want to avoid moving into an assisted living facility, remodeling an existing home can be a great alternative.

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Tips for Buying a Foreclosed Home

If you’ve ever shopped for a home, you’ve probably experienced the shock of seeing the price of a foreclosed house. How can that listing price possibly be correct? Compared to other listings you’ve seen, this one seems like the deal of a lifetime. While that could possibly be the case, the house’s actual situation could be a bit more complicated. And, regardless of the house itself, the transaction will likely be different than the normal homebuying experience. Here are five tips to consider if you're interested in buying a foreclosed home!

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6 Financial Habits to Establish as a Young Adult

As a young adult, it's easy to feel like you have all the time in the world to straighten out your finances and get on the road to financial freedom. While you're right that time is on your side, another way to look at it is that the time is now to establish habits that will set you up for the secure financial future you dream about. By taking the time and enforcing the self-discipline necessary to live by the following six rules, you'll create a solid monetary foundation that will serve you well for the rest of your life.

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