Ted Bauman Helps You Save Your Assets

Ted Bauman has 20 years of experience in finance. He believes the stock market has a 50/50 chance to continue rising or drop as low as possible. During bull and bear markets, investors need a working plan. He began working at Banyan Hill in 2013.

He is The Bauman Letter’s editor, in which he gives investors financial advice. Rules-based selling has strategies that involve the opportunity-sell and the valuation-level sell. In 1987, rules-based selling caused Black Monday, which lead many investors to sell all of their shares.

Ted Bauman worked at the World Bank as an urban planner. Stocks need to lower in valuation according to the price-to-earnings software. Investors will not discover that they cannot recover losses on dividends. The U.S. Treasury interest rates will likely be raised several times by the Fed, causing a 30% drop for the S&P 500.

Ted Bauman studied economics as a student of the University of Cape Town. He managed low-income housing projects and assisted charities for over 20 years. A great investment strategy is crucial for success. Financial goals can only be achieved through a well though out plan.

Investment portfolios need to be protected, and a strategy of defense pays off in the long run. In order to avoid a volatile market, people invest in bonds. Investing in both stocks and bonds can help mitigate the market’s volatility.

Ted Bauman learned what it was like in a working-class environment at fast food restaurants and gas stations when he was young. This taught him hard work and empathy for those less fortunate. He had a hand in establishing Slum Dwellers International, which helps 14 million people. He has written for the South African government and the United Nations. After one of his relatives died, he wrote suggestions for making valuables disaster-proof. He recommends getting a home safe, a US safe-deposit box, foreign bank box, storage vault, or a foreign vault. He says New Zealand is the most convenient, since you don’t have to be there in person. He believes the economy should be beneficial for all members of society.

David Giertz Promotes Social Security to all Financial Advisors

In 2014, an interview was published online on the WSJ website, where David Giertz clarified the necessity for financial advisors to discuss social security with their clients. An issue had come into Giertz’s attention after a consumer survey was conducted by the Nationwide Financial Retirement Institute on individuals in retirement or ten years away from retirement. The issue that had come into view was that most of the surveyed individuals expressed that their advisors were not discussing social security with them. This was an alarming issue for Giertz as the survey also showed that 4 out of 5 individuals surveyed would switch their advisors if they weren’t being exposed to the concept of social security during retirement. This is because social security benefits can comprise of a maximum of 40 percent of the retirement planning process. According to the survey, individuals who activate social security too early can lose a maximum of $300 thousand over 25 years. Giertz believed that the topic of social security is simply neglected by the advisors because it is an intricate and comprehensive matter to cover. He mentioned that advisors probably feel either a little intimidated or plainly irritated to cover a vast topic like this which exists in a subtotal of 2700 rules within the Social Security Handbook at https://twitter.com/davidgiertz.

David Giertz is the President of Nationwide Financial Distributors Incorporation at Nationwide Financial. He is an expert within the finance sector with over 30 years of experience in the specified field reported on angel.co. His skills include in strategy, retirement planning, financial services, life insurance, mutual funds, and finance.

David Giertz is academically qualified with a Degree in Master of Business Administration and Management from the University of Miami. He also earned a Bachelor’s Degree in Business Administration and Management from Millikin University. He secures respectable positions as the member of the Board of Trustees with Millikin University as well as an Arbitrator for FINRA on MoneyTips.com.

What You Need To Know Before Refinancing Your Car Loan

Have you ever considered refinancing your car loan? It is not an uncommon process. It’s an incredibly easy process, and if done right, it can save you a significant amount of your car loan. Ignition Financial offers friendly interest rates on auto loan refinancing deals in Houston, Texas. Give them a call if you happen to be in that area code. There are some considerations to before you decide to finance your car loan. It’s a simple process, but if you are reckless and short-sighted, it is extremely easy to mess it up.



How it Works



Refinancing involves the transfer of the vehicle’s official ownership or title from one lender to another. Refinancing can lower monthly payments and extend the period of your loan thus reducing the total cost of your car.



There are several situations when it would be financially prudent to refinance your auto loan and their potential advantages- take a look:



To Reduce Your Loan Term



If you are a car owner and your financial situation has tremendously improved, you may consider refinancing your auto loan and shorten the payment period to pay the loan faster. It could be a promotion at work accompanied by a hefty pay rise, or your business is performing extremely well. It may seem expensive, but you could save a lot of money on interests in the long run.



Increased Credit Score



If your credit rating increases by several points, it might be a good idea to refinance your car loan. You are more likely to get better interest rates than you did at the time of purchase and you may also get a lower monthly period.



Take Advantage of Lower Interest Rates



If you happen to notice a drop in interest rates as compared to when you bought the care, it might be a good time to refinance your car. In doing so, you will reduce the amount of interest you have to pay on your loan while lowering your payment on the car at the same time.



If the only question that comes to mind whenever you slip into your car is ‘how do I slash my payments?’ It’s a good idea to refinance your auto loan but only if the time is right. The process gives you better control of your loans by restructuring them, but a lot of thought and planning has to put in the process. Refinancing does extend the period of your loan, though, which is not necessarily a good thing. An extended loan period translates to paying more in terms of interest.