Refinance With Ignition Financial

When we think of refinancing, we typically think of home refinancing but a real opportunity for savings also exists by refinancing your auto loan. Many people get their auto loans through the dealership from which they purchased their car. These dealers are often allowed to markup the interest rate in exchange for selling the loan. Markups can be from 2% to 4% which result in a higher monthly payment for the consumer. But, the dealer markup is not the only reason to refinance your vehicle. If, when you first applied for the loan, you were considered a subprime borrower, chances are you’re paying a high interest rate, possibly up to 12% APR. It’s not unheard of to hear of 18% APR rates for those with poor credit. It doesn’t take much to be considered a subprime borrower. If you have less than perfect credit, you were likely put into that subprime category. Oftentimes circumstances change during the course of a few years. Maybe you received an increase in salary, maybe your credit score has inched higher; whatever the reason, you probably qualify for a loan with lower interest.

 

If you drop your interest rate by even only a couple of points, the resulting savings is in the hundreds of dollars. One of the big questions is; how do you go about refinancing your automobile loan? Fortunately there are firms which connect the consumer to the right lender. These firms will shop the best rate for you and explain exactly what the savings and benefits would be with your new loan. When you are ready to say, “slash my payments”, a recommended firm is Ignition Financial. Here you get the expertise and experience you need to make the most of your refinance.

 

While lowering your interest rate and thereby your monthly payment is the number one reason to refinance your automobile, another benefit is that you may be able to shorten the term of your loan. For example, if you took out a six year loan and have made three payments on it, it may be possible to convert that to a five year loan with lower interest. You do need to make sure to have a company like Ignition Financial on your side to help you navigate the terms and get you the best deal.

 

Wealth Solutions Steps To Create Strong Financial Futures For Clients

Richard Blair, founder of Wealth Solutions based in Austin, Texas, ha a goal of bringing a positive and noticeable difference to the lives of those who invest with him. He has always felt a pull in the world of education, his wife and grandmothers were teachers who showed him how teaching people could forever change their lives.

Richard combined that love of sharing knowledge with people with his natural aptitude for finance that includes numerous certifications including CAS, CES, RICP, and CFS, and has created Wealth Solutions, a company that helps and teaches people to handle their finances, invest, and prepare for their futures.

According to Wealth Minder, Richard Blair Wealth Solutions is an Investment advisory firm that aids clients in growing, managing, and protecting their financial assets with the help of the Richard Blair and Wealth Solutions. Blair built the company with the key idea that everyone needs a solid financial plan for the future, and he knew he had the tools to help people achieve that.

Wealth Management has a simple goal, discover peoples long term financial goals and teach them how to manage and invest to meet those goals. The company fulfills those goals through a three pillar process that has shown to be incredibly successful.

The first pillar is to create a financial roadmap. It shows the clients goals, risk tolerance, places for growth, and strengths, then uses that information to create a plan that will help achieve financial goals.

The second pillar is to create a long term plan that will meet all the needs of the clients. Wealth Solutions takes the information they have obtained about their client and follows a personalized plan that accounts for the clients liquidity needs as well as goals in investing. Wealth Solutions reallocates assets as well as manages them to create a maximum financial return.

The third and final pillar is to meet the clients insurance needs. For a client to truly succeed at long term planning, Wealth Solutions creates insurance safety nets including financial planning for long term health care, life insurance, and annuities. This ensures the client is financially taken care of as long as they possibly need.