Thinking Outside the Budget Box with Automobile Loan Refinancing

If you are truly interested in gaining far better control over your finances, you really need to think outside the proverbial box. If you are like hundreds of thousands of consumers, you have already explored the possibility of refinancing your home mortgage loan. What you may not have thought about is taking a look at refinancing your automobile loan.

The reality is that many consumers who truly can benefit from a refinanced automobile loan have never even given thought to taking that step. In fact, many people did not even really appreciate that a refinanced automobile loan was a possibility.

Finding a Refi Company

The first step in obtaining a refi loan for your car is finding a reputable and reliable automobile loan refinance company. Ignition Financial is an industry leader when it comes to refinancing car loans.

Ignition Financial has garnered high marks for a number of reasons. Ignition Financial offers some of the most competitive loan interest rates to be found anywhere.

Ignition Financial also understands that one size does not fit all when it comes to automobile loan refinancing. Therefore, Ignition Financial strives to work closely with a car owner to come up with a refinance program that meets specific needs, goals, and objectives.

Saving Your Hard Earned Money

Once Ignition Financial develops the ideal loan option for you, you will be in a position to save your hard earned money. By cutting your interest rate, you will end up saving what very well may amount to a significant amount of money over the remaining lifetime of your automobile loan.

Reduce Monthly Payments

When you consider obtaining refinancing from Ignition Financial, the mantra in mind very well may be “slash my payments.” If you are like many people from all walks of life, reducing your monthly car payments is precisely what you need to being your overall budget under control.

If you are a homeowner, your car payment likely is your second largest monthly obligation. Indeed, for a good share of the population, it is the largest financial obligation each month.

Addressing Being Underwater

If you are like more than a few consumers, you have found yourself upside down when it comes to your automobile loan. Indeed, with high interest rates, the status quo is not improving.

With lower interest rates through a Ignition Financial auto loan refi, you can begin to stabilize your loan and equity ratio. You can pull your loan out of an underwater status and restore an equitable balance in what is a major investment.

Consultation to Examine Options

A refi specialist from Ignition Financial is available to discuss options available to you when it comes to refinancing your automobile loan. The team at Ignition Financial is committed to transparency and making certain that a consumer has the right option when it comes to refinancing a car loan. There is never a charge or any obligation associated with consulting with a specialist at Ignition Financial to determine what course makes sense for you.

Billy McFarland wants you noticed

Billy McFarland has made an art form out of creating companies, especially those that gain notice. He started his first business at 13 and has two more that he has since started. The core of his business approach is getting people noticed and having more of a network. For someone from Philadelphia, he has made more than just a home in New York City.

While Billy McFarland was in college at Bucknell University, he realized that he wanted more. He dropped out and created Spling. The site is how companies are noticed even more for engagement, sales, and revenue. His first company was made to allow designers to be noticed customers. He learned from these two businesses and has now created Magnises so that millennials can network.

According to The Guardian, Billy McFarland has done something that many people can only think about doing. He has created more than one successful company. He has got attention from multiple news outlets, business and regular news. He also does not sit back and rest on what he has already built.

Magnises has become a good way for millennials to network and get their own companies noticed. The social club aspect keeps growing allowing folks to get off work and mingle. The specials that are offered to members highlight businesses that Billy McFarland has had his company partner with. These include discounts at many restaurants and bars, but also events like a booze cruise. All of this is helped y an app for members to learn what is happening.

Now members have SportsPass. Currently it acts as season pass for people wanting to see an event at Barclays Center in Brooklyn. That means they get 48 tickets for any of the basketball, boxing, or hockey. They can get more tickets at a special rate past that. It just goes to McFarland not sitting idle.

New Zealand Finally Relieved From The Accusation Of Being A Tax Haven


According to Nov 9, 2012, news article in NZ Herald, the allegation on New Zealand to be a tax haven has been recently denied firmly by Geoffrey Cone, who is a respected figure in the field of fiscal management of New Zealand. He has vehemently spoken against the idea of cNew Zealand being a fertile ground for tax evasion. Supporting the bold claim of New Zealand being an ardent follower of international tax rules, Geoffrey has put forward many reasons and proofs to support his saying.


Geoffrey Cone is an eminent tax lawyer of the country and is has been at the helm of one of the most prestigious law firms in the country namely Cone Marshall. The company is famous for giving consultancy services in the field of tax management. Since its inception in 1999, Cone Marshall has been the most strongest supporter of tax transparency and has not left any stones unturned to abide by every international tax law. The company was started under the joint leadership of Cone Marshall and Karen Marshall. The company strictly follows the internal tax laws and is very adept at the international tax management.


Geoffrey Cone finally made a public revelation about New Zealand not being a tax haven at any cost. He argues that the country does not exhibit any feature to identify itself as a prominent tax haven. Neither the country has a long history of imposing nominal or zero tax nor the country lacks any transparency in openly showing the exchange of information with other companies and governments.


Since a long time, New Zealand has been continually a member of the White List of Organisation for Economic Co-Operation and Development (OECD). The country is known for stoically following the international tax standard and maintain an extensive amount of transparency in its tax related execution. In 2006, Michael Cullen, former Deputy Prime Minister established a new rule which demanded New AZealnd to sign a Foreign Trust Disclosure Form where the trustee has to record the financial details of the trust at any cost. After five years, Money Laundering Legislation was also passed in 2011, which further propelled the Government to employ strict rules to maintain tax transparency in New Zealand. New Zealand walks hand in hand with other tax severe countries like Singapore and Britain. The country has signed much tax related agreements like 39 double tax agreements, 20 tax information exchange agreement and Multilateral Convention on Mutual Administrative Assistance in Tax Matters.


The increasing input of foreign trusts in the country is due to the spotless reputation of New Zealand as a safe country with a stable environment for the asset protection and investments. Thus, New Zealand has always been in the forefront as a tax transparent country with not a single proof to testify it as a tax evading country.


A Look at Top Leaders who are Steering InnovaCare Health to the International Healthcare Scene

InnovaCare Health is a center for outstanding physician practice services and unique Medicare Advantage programs. The firm provides healthcare of highest level of quality by designing feasible and budget friendly models that incorporate aspects of advanced technologies. It puts the needs and demands of patients above every activity it undertakes. InnovaCare Health conquers the problems of the ever-changing healthcare scene and tries to deliver quality and superior care to patients throughout North America.

Through its Medicare Advantage Programs and extensive Provider Networks, InnovaCare strives to achieve its goal of transforming health management to solve problems of the modern healthcare environment. The Fort Lee, New Jersey- headquartered company has between 1001 and 5000 workers and invests in the health, wellness, and fitness sector.

Dr. Richard Shinto

Dr. Shinto has a wealth of professional competence and experience in the healthcare industry, spanning for more than 20 years. Dr. Rick Shinto has served as a chief medical officer and Director of numerous health facilities in California. He has authored and published several articles that touch on clinical medicine. Currently, Dr. Shinto is in charge of all operations and strategic planning at InnovaCare Health. Since 1993, he has served on various health committees as a strategy for improving patients-doctors communication. Currently, he participates actively in the affairs of the Health Net Quality Improvement Council, California Association of Physician Groups (CAPG), and the PacifiCare Quality Improvement Committee.

Apart from his outstanding qualifications in medicine, Dr. Shinto has a postgrad in Business Administration. His unwavering commitment to medical profession has enabled him to pursue new opportunities including the Presidency of Aveta Inc., one of the top providers of Medicare Advantage plans on in the U.S. As the CEO; he manages two of its biggest corporations: the California-based North American Medical Management and MMM Healthcare, Inc.

Penelope Kokkinides

Ms. Penelope’s experience in managed care sector and managing government programs extends for more than 15 years. Today, she is in charge of all operation matters at InnovaCare. Between 2006 and 2012, Ms. Penelope Kokkinides was part of the Aveta Inc.’s management team, holding the COO position. Ms. Penelope played a leading role in the expansion Touchstone Health HMO by serving in the capacity of COO. Before joining Aveta Inc., she was an employee of AmeriChoice in charge of the Disease Management and Case Management sections of the company. She is remembered for creating and implementing a unique healthcare model for AmeriChoice. Ms. Kokkinides is an alumnus of Binghamton University, holding a degree in classical languages and biological sciences.

Norka Luque: She Believes in Miracles

Emilio Estefan, the king of Latino Music, presented Norka Martinez Luque. Norka was a name given to her in honor of her mother. She rejoices that her fate in music was noted at birth. While she was a baby, her mother played music for her to fall asleep. She won numerous music competitions as a child. While she was eight, he made her initial music production. She recorded with Shakira. Her songs included Luis Miguel. These events unfolded the entire career ahead of the young girl. She was so passionate about what she did. Music fascinated her. She was well-prepared in ballet, piano, flamenco, solfeggio, and many others.

She secured an awarded on many occasions during her childhood music competition events. All she did was to win. The Golden Voice was one of the prominent festivals that brought her talent to the world. She had a talent that no one could neglect including the well-known singer Juanes. Juanes wished Norka was her child.

Norka’s desire to achieve the best and excel in what she dies took her to the United States. Norka kept on preparing and studying her academic goals. However, music was the primary aim of her life. This fateful morning dawned to meet with the world-class producer Emilio Estefan. This was a very rare opportunity. Emilio became her mentor. Norka explained to him that she loved music. She told her that music was the focal point of her life. Emilio determined to listen to some of her worked. He was so impressed and thought about inviting her to music lessons.

For this reason, Emilio decided to develop extended periods of time in the studio to improve the state-of-the-art vocals. When she became a world-class artist, he also wanted to develop a discipline for Norka to follow. He polished her talent in numerous areas of music. Miami Beach became the main witness to the birth of a new music genre. Emilio brought together the renowned team of Venezuelan producers to work with Norka. The team included Achie Pena, the Gaitan brothers, Luigi Giraldo, and much more under the direction of Emilio Estefan. He awakened the best interpretation of the song.

For more than three years now, Norka presents his single. The song has earned numerous reviews online and became a hit in the United States and Venezuela. This song made her secure an award at the Premios Lo Nuestra 2011. This award recognized her as the best female artist of the year.

Andy Wirth, CEO Extraordinary

As CEO of Squaw Valley Ski, Andrew “Andy” Wirth has over 24 years of sales and marketing experience and has earned multiple service and professional awards. Mr. Wirth is spearheading a project to combine the experience of Alpine and Squaw Valley via a gondola connecting the resorts. Wirth has headed a 70 million dollar upgrade to Squaw Valley in hopes of making the resort a more desirable winter vacation locale. He has recently been appointed as the chairman of Reno-Tahoe Airport Authority Board.

Mr. Wirth was born in West Germany and attended Edinburgh University and then received a Bachelor of Science from Colorado State University. He worked as a back country ranger for the Rocky Mountain National Parks and was a wilderness ranger in the San Pedro Parks Wilderness Area. Squaw Vally and Alpine Meadows, where Mr. Wirth is president, were featured on an episode of Undercover Boss where Wirth goes undercover in both resorts. As well as working tirelessly to promote and make these resorts among the top tourist destinations in the world, Mr. Wirth is a major contributor to environmental and community service in the Lake Tahoe area.

Mr. Wirth was in a horrific near fatal skydiving accident. Because of his training as a backcountry ranger Wirth was able to stop the bleeding in his almost amputated arm until help arrived. Mr. Wirth sang “Just Breathe”, a Pearl Jam favorite of he and his wife’s to himself to get him through the next minutes where he was able to be located by another skydiver. After recovering he co-founded an Ironman team called “Wounded Warriors Support” which honors Navy SEALs by supporting special operations team members and their families after they return home.

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Malini Saba the Passionate Entrepreneur

Malini Saba is a one of the world renowned investor and a philanthropist full of ambitions and passion for success in every area. She has influenced the world of business in the US and abroad in a way that has left many people enumerating her work to achieve the best in investments and other activities. She is a role model to the future entrepreneurs, and she is always on the run to assist young entrepreneurs to start up business ventures.

 Malini has emerged to be one of the most powerful businesswomen across the world. Currently, she is the chairman and the founder of Saban Company which had and still retains varied investments interests in the whole world such as technology companies in the Unites States, real estates in Australia and India, as well as Oil and gas in China. Malini has been sharing her knowledge with the society through engaging in innovative ideas that have enabled her to be rated among the members of the business elite. In 2001, she started a nonprofit organization “Stree: Global Investments in Women,” with the goal to change the way low-income and worldwide children at risk see themselves and their roles in the society.

In 2004 on her tour to Tsunami affected areas in India and Sri Lanka, she pledged to donate $ 10 Million to help the victims of the tragedy in the island. In 2005, Malini Saba gave a donation of $ 1 million to start the world’s first heart research centers for South Asians at El Camino Hospital, Mountain View, CA. Her career began when she was a capitalist in a Silicon Valley Venture in the 1990s, where she gained an extensive experience investing in more than twenty technology companies. These companies include; PayPal Inc, Sycamore Networks, and Net Screen Technologies.

Apart from her career life, Malini is a family woman who puts her family above everything else. She believes in balancing her career and family to make sure that everything gets its set time accordingly. She is not afraid of taking risks, and when she discovers an opportunity, she exploits it fully to get the best out of it. All through her career life as an entrepreneur, Malini believes that every step that she has taken has made her more knowledgeable, a better business person, and a better boss. According to her, every process is a lesson which prepares you for the next step.


China and America in the Financial Market

When studying where America is going with regard to the financial stability and economy, it is natural to study what is going on in China. China has been one of the major countries over the last ten years and what happens in China will play a large role in what will happen in other countries, including here in America.

While Kyle Bass does admit that China had one of its lowest periods in over 20 years, he does not completely buy into the notion that everything that happens to China will absolutely occur here. Kyle Bass believes that there is about a 50% chance that some form of recession will occur in America within the next year but does not believe that it will be all that major.

Beyond the economic and financial issues in China and America, Kyle Bass also spoke briefly about his views on the upcoming presidential election. While Kyle Bass did not seem particularly impressed by either candidate, his opinion about who the best candidate for president is currently Hilary Clinton. He believes that she has a good platform and stands for things that America currently needs.

No matter what stand you take on the economy, the financial situation or the upcoming election, the next year is sure to be very busy. And the next six months in particular will be one of the times to keep an eye on the news and what is going on around the world. Whether Kyle Bass is correct or not, there are some big changes heading America’s way.

Securus Video Visitation Goes Beyond Just A Visit

I am impressed with the possibilities of the Securus Video Visitation feature. I watched a video of a young man named Chris. Chris belongs to a band and his father is incarcerated. Chris has probably longed for the chance to perform for his father and hear his new band. Although the video doesn’t disclose how long Chris’s father has been incarcerated, that’s really not the point.

The point is that an incarcerated man gets the chance to see his son perform with his band; a privilege that otherwise would not be allowed under normal circumstances and prison regulations. Securus has provided a very much needed service to boost the morale of inmates. It has also given Chris’s father the chance to see him grow as an artist — and a man. Judging by the look on the incarcerated father’s face, I would say he was very proud and misses his son very much.

Securus provides services for 2,200 correctional facilities in Canada and the United States. Securus makes it possible to converse with and see your loved ones from your residence or workplace. Securus has eliminated the hardship of having to travel for long periods of time, and the waiting around until your turn comes up to see your incarcerated loved one. You do have to create an account, but it’s well worth it.

Securus also offers conventional phone services, jail voicemail, and email services. All of these services can be utilized with a desktop or laptop computer. The Video Visitation feature is also available on your favorite iOS device; iPhone, iPad, and the iPod Touch. The Securus website informs you to which states and facilities that their services are available. There are many and your loved one may be in a facility that uses Securus’s dynamic services.

Securus is making their mark in the prison communications industry and making a statement. I believe prisons that are not equipped with Securus’s services probably have hostile environments. Not saying that any prison is a five-star hotel, but Securus does provide a wonderful service that makes inmates feel “free”. That is very important in such an environment like prison. Securus is providing a service that makes inmates (and their family members) feel like humans.

Rates are reasonable from state-to-state as the FCC is cracking down on ridiculous phone rates and surcharges. This is a huge advantage for inmates and their loved ones.

Securus Video Visitation – Concert from Securus Technologies on Vimeo.

The Flourishing Leadership of Kenneth Goodgame

Kenneth Goodgame is the Senior VP and Chief Merchandising Officer at True Value Company where he has been working since 2013. Over the years, Goodgame has amassed a wealth of marketing knowledge that gives him an edge when it comes to marketing strategies. The True Company cooperative has retailers across the US, and Goodgame has been a core contributor to its success, particularly in brand recognition. With a BSc in Marketing from the University of Tennessee, Goodgame has achieved a reputation of building highly successful teams and managing profits and losses.

Innovative Strategies

A notable mark in all his stints at different companies is the innovativeness of the programs to improve the marketing and advertising of an entity. At True Value Company, he established a 4 SKU end cap program that went on to receive support from over 2800 stores, making it one of the most successful. Goodgame also came up with an advertising program that required investments from vendors. Called “pay for play”, the program made it possible for suppliers to buy ad space at the same time providing half the funding for True Value’s national TV budget. 2014 saw True Value appear on television for the first time in ten years. Ken Goodgame also revolutionized the low-performance buying team and instilled an enthusiasm that saw a great improvement in performance. He also restructured the merchandising team in addition to hiring a full category management squad.

The Principal Executive

True to form, he has worked with cross-functional groups at True Value Company to fashion a strategic corporate program that spans 5 years. This plan is meant to furnish the company with long-term growth. Goodgame sees beyond the immediate results with most of his plans implement for future success. The marketing guru has a knack for seeing potential and cashing in with relevant merchandising strategies. Besides his leadership, Goodgame also provides advertising and marketing advice on his website. From the posts, marketing professionals, and company executives get smart business strategies. Kenneth Goodgame has successfully carved a lasting reputation in the retail industry.