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PersonalHub

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

 

How to Prepare for a Hurricane

When Hurricane Harvey hit Houston in 2017, it affected an estimated 13 million people in the Gulf Coast region. It claimed 88 lives, left over 200,000 damaged homes in its wake, and caused $125 billion in total damages. According to the National Hurricane Center, three out of five of the costliest hurricanes on record—Harvey, Irma, and Maria—occurred in 2017. Combined, these devastating storm systems racked up $265 billion in total damages to homes, businesses, and infrastructure in just one hurricane season.

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Is Your Wealth Manager the Ideal Candidate?

The interview process is a crucial step in hiring the right candidate for any position, and wealth managers fill a pivotal position in helping you make the right investment decisions. You don’t want to just hire the first person who comes along. Here are some crucial job skills that the ideal wealth management candidate should exemplify:

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Bite-Sized Concepts for New Investors

If you’re new to investing, chances are that you’ve been running in to a lot of intimidating information and confusing industry buzz words. As if risking your hard earned money isn’t daunting enough, trying to learn about the DJIA, REIT’s, 401(k)’s, bull markets, and bear markets (oh my!)—is another challenge entirely. It’s enough to make anyone want to throw up their hands and just stash their savings under the mattress!

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6 Unexpected Homebuying Costs

There are unexpected costs behind every major life investment. The hidden price tag on big purchases can be expensive and is usually non-negotiable. If you want to go to college, you'll need to buy textbooks. Buying a new car? Don't forget the auto insurance!

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5 Must-Listen Podcasts for New Investors

As a new investor, the thought of jumping into the world of investing can be intimidating. You might be struggling with where to start and left with questions like: Should I pay off debt before making my first investment? Should I manage my own investments? What are the risks?

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Auto Insurance Coverage in the Gig Economy

For better or worse, it's hard to dispute the fact that the gig economy is most likely here to stay. More and more Americans are taking on part-time "side hustles" that give them the flexibility to earn extra cash during hours that accommodate their schedules. Businesses such as Favor, Uber, Lyft, Air B&B, Amazon Delivery, and DoorDash have no shortage of interested potential employees.

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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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