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How Working Past Full Retirement Age Affects Your Social Security Benefit

Posted by Kurt Von Buettner   |  Feb 21, 2017 8:51:00 AM

Ah, retirement . . . when we can stop keeping a dictated schedule and are able to arrange our days as we please. Even better, once we hit a certain age, the government pays us back each month for all the years we paid into the social security system.

We always hear that it's smart to continue working, at least part-time, as long as possible. What you may not know is how your social security benefits may be affected if you work while you collect social security.

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Monthly or Annual Auto Insurance Premium: Which is Best for You?

Posted by Tyreo Harrison   |  Feb 15, 2017 2:32:39 PM

The cost of auto insurance can be daunting, so for many drivers, it’s a relief to be able to pay in monthly installments for the year. While this may seem like the most convenient option, it’s not always the most affordable in the long run. Most insurance companies give you the choice of paying for the entire policy annually or spreading out the payments over each month, but which is the best option? Well, it completely depends on your circumstances. Here are some ways to choose the right payment method for you.

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7 Questions to Ask Before Refinancing Your Mortgage

Posted by Jennifer Maloy   |  Feb 8, 2017 1:31:06 PM

Personal finance is often complicated, and mortgage topics can be some of the most involved. Sometime after you've completed your mortgage paperwork, you still may wish to consider refinancing. Simply stated, when you refinance your mortgage, you take out a new loan that replaces your original mortgage. The new loan pays off your original mortgage and comes with its own loan terms, different from your original loan.

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Homebuying Myths Revealed

Posted by Jennifer Maloy   |  Jan 25, 2017 9:27:00 AM

Sometimes, the housing market can feel like a jungle. Some of you have been on the hunt for months, searching through a forest of homes that hopefully are within your budget, but nothing has really caught your eye or even met half of the items on your preferences list. You're also having a tough time understanding what questions you should be asking your real estate professional and mortgage loan officer, what you should expect, and what you're required to do in the homebuying process. You're not even sure what you can afford, and now you feel like you're running around in circles. 

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7 Ways to Save on Your Home Remodel

Posted by Scott Brown   |  Jan 13, 2017 9:11:01 AM

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 when possible, here are some ways to slash the bill of your next remodel.  

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

Posted by Ernesto Aguilar   |  Jan 3, 2017 12:46:05 PM

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.

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The Top 5 Most Popular PersonalHub Posts: 2016 Edition

Posted by Jennifer Maloy   |  Dec 27, 2016 3:57:50 PM

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.

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The 13 Biggest VA Loan Myths BUSTED!

Posted by Tamara Tapman   |  Dec 20, 2016 9:42:45 AM

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.

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

Posted by Jacki Cameron   |  Dec 14, 2016 12:06:25 PM

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 agent will give you in-depth information on their available coverage options, it’s important to be aware of these little-known facts prior to purchasing an auto policy.

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What to Expect When Closing on Your New Home

Posted by Mark Jensen   |  Dec 6, 2016 11:26:14 AM

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:

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About PersonalHub

SWBC's PersonalHub blog is your one-stop resource for everything related to your financial well-being. Come here to learn about a variety of topics, including insurance, mortgages, financial planning, investments, and more!