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PersonalHub

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

 

Self-Employed? Here's the Documentation You Need to Buy a Home

Owning a business is the American dream for many people. After all, who doesn't want to be the next Steve Jobs or Mark Zuckerberg? And while being self-employed comes with a unique set of perks, it also requires some unique steps in the homebuying process. Because self-employed individuals typically have income that fluctuates and debts that could be tied to their business, lenders will require additional pieces of documentation, but don't let this deter you from realizing the dream of home ownership! If you are an entrepreneur and want to purchase a home, keep reading to learn the types of documentation you may need, as well as any obstacles that could get in your path so that you can properly prepare.

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Back to Basics with Life Insurance

Life insurance should be a part of everyone's financial plan. Whether you are young and healthy or more seasoned with a family, life insurance offers peace of mind and protection for your loved ones. While it may not be comfortable to think about our inevitable death, as the old saying goes, the only thing certain about life is death and taxes!

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Spring Cleaning Ideas that will Give Your Home a Facelift

For most homeowners, spring is the perfect time of year to take advantage of warmer weather and get some chores done around the house that they've been putting off because of the cold winter air! Typically, spring cleaning means you're cleaning out junk drawers and donating unused sweaters. However spring cleaning doesn’t have to end there. In fact, with a few simple projects, you can give your home a facelift without having to go through with an entire remodel.

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The Role of a Real Estate Professional

There are many things to consider when you begin the homebuying process. For most homebuyers, particularly first-time homebuyers, working with a real estate professional to find the right home and oversee the negotiating process is ideal. While every situation is unique, it is not wise for inexperienced homebuyers to try to take on the role of a real estate agent themselves. There are several moving parts during the homebuying process, as well as high emotions for the buyers and sellers, so having a team of professionals to help keep things on track and give sound advice is a wise decision. Experienced homeowners know how valuable it can be to have a knowledgeable partner to help them navigate the home search and negotiation process.

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Take Advantage of Greater Retirement Account Contributions in 2019

If saving more for retirement is one of your new year's resolutions (and it probably should be, for all of us), you're in luck: the U.S. government is allowing for greater maximum savings rates in 2019. Here are the details of your new limits.

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Find a Wealth Advisor Your Whole Family Trusts

While not a subject we like to talk about, we all will die at some point, and we must plan accordingly. With regard to our finances, that planning means finding a wealth advisor who works for your entire family, so that when one spouse dies, the widow/widower and remaining family members know where they stand and are still on track to reach the family's financial goals.

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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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