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PersonalHub

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

 

How to Buy a For Sale By Owner (FSBO) Home

Peak homebuying season is quickly approaching, and you may notice for sale signs sprouting up in every yard! If you’ve already started searching for a new home, you may have noticed a few homes listed as For Sale by Owner, or FSBO. A property listed as FSBO, is exactly what it sounds like—a home that is being sold by its owner without the representation of a real estate agent.

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5 Essential Home Maintenance Projects for Spring

Homeowners are encouraged to maintain their home in order to retain its property value over the long term. Warm spring weather offers a great opportunity for you to pursue home maintenance tasks that can improve the appearance and function of your property. Here are five tasks that you can do to upgrade your home.

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7 Ways to Lower Your Homeowners Insurance Premiums

As a homeowner, you’ve probably noticed that your homeowners insurance premiums have increased over time. This is completely common and to be expected, but that doesn’t mean you can’t take some steps to lower these costs. Take these seven suggestions to heart if you’re looking for ways to save some money on your premiums.

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Check Out the Brand New SWBC.COM

SWBC is thrilled to announce the launch of our newly redesigned website! After more than a year of strategic development, an upgraded infrastructure, hard work, teamwork, and commitment, our much improved website went live on April 1, 2018.

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Your Boat, Jet Ski, and RV Need Insurance, Too

If you own a boat, jet ski, or RV, or you're thinking about investing in one, protecting them with the right type of insurance coverage is important. After all, they are very big investments that can range from $5,000 to well over $100,000. You might think your current auto insurance policy could provide the insurance protection you need, but that’s not quite the case. Each of these specialty vehicles requires its own kind of insurance coverage to ensure you’re covered in case of an accident or covered loss.

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Should You Borrow from Your 401(k)?

Sometimes, when you need money, you don't always have a lot of great options, especially when you want to avoid paying an arm and a leg in interest. One option to quickly gather funds may be to take a loan from your 401(k) account. Let's be clear that this should not even be a consideration for those times you simply want some expensive new electronic or other unnecessary purchase. However, sometimes we have real needs for cash that may justify taking a hit to our retirement savings:

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Federal Income Tax Update 2018: How Will it Affect Me?

As you may have heard, the U.S. government recently signed off on a tax reform bill, and some of the changes are pretty big! To help you understand what to expect and what is likely to impact you personally, here is an explanation of the changes that will affect the average American the most.

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5 Home Inspection Problems to Avoid

Shopping for a new home is an exciting process. When you do find the perfect home, you might be distracted by sparkling new counter tops or a beautiful backyard and be tempted to sign the dotted line before slowing down to ensure your dream home will stand the test of time.

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Homebuying 101: Should You Rent or Sell Your Existing House?

In most cases, when buying and moving into a new home, homeowners sell their existing home. This allows them to collect the equity and funds from the sale, apply those to the new purchase, and make a clean break from anything that might go wrong at the old house. However, there is another option that can work well in certain situations: retaining an existing home and renting it out.

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Your Credit Score: 5 Credit Myths Revealed

Having a firm grasp on the definition of credit, how it affects your financial well-being, and how to get and maintain a healthy credit score is a topic that is discussed in many circles this time of year as many people resolve to be better stewards of their finances. There is tons of information on the topic floating around the interwebs from various sources, and while for the most part you can trust the information you're reading, there are some credit myths that you should be aware of.

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