November 24

5 Important Facts To Consider Before Refinancing Your Car Loan

Mortgage refinancing is especially popular and better understood than car loan refinancing. The same benefits that accrue from mortgage refinancing also apply to your car. However, refinancing your auto loan is easier, less complex, and takes a shorter time. Here are things to consider before deciding to refinance your car.

Your interest rate

This is the most important thing to consider. If the interest on your current loan is lower than current rates, then it obvious refinancing is not for you. You need to take into account the rate and potential costs of the new loan. Only then can you determine if refinancing is beneficial in any way.

Your credit score

You will get a better rate if your credit score is higher than when you took the auto loan. This will lower your monthly payments. The difference can be substantial if your credit score has improved dramatically. On the contrary, you will attract a higher rate if your credit score is lower, which makes refinancing untenable for you.

The term on your loan

Refinancing can be used to shorten the period of your loan. For example, you may have taken a longer term loan in order to enjoy lower monthly payments. This has the downside of saddling you with debt for a longer period, and increases your interest payments. Refinancing allows you to shorten the loan period, while still enjoying lower monthly payments.

How to successfully refinance your car loan
Financial difficulties

If you are having problems paying your loan, refinancing might be a way of avoiding repossession. You can increase the term on your loan by refinancing, thereby lowering your monthly payments. This will of course raise the overall cost of the loan in the long run. However, it will at least buy you more time to sort out your finances. Furthermore, having your car repossessed will negatively impact your credit score. This will make it harder for you to access cheap credit in future.

Prepayment penalties

The benefits of refinancing will be negated if the terms of your current loan include prepayment penalties. These are charges levied by the lender if you decide to prepay your loan. Additionally, if the new loan has high set up fees, you may be better off sticking with the existing loan. These fees will cancel out any potential gains from refinancing.

Finally, refinancing offers you a way out of a car loan that turned out to be a bad deal in the first place. This is especially true if you got a much higher rate than you deserved.

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October 27

Legal Expenses Insurance: The Right Lawyer for Your DUI Case

If you are currently awaiting trial for a DUI case, you are probably in search of the right lawyer to take on the job. This task of course get’s much easier when you have a good legal expenses insurance.

Does a legal expenses insurance also cover criminal defense cases?

 

It’s definitely important to seek legal representation before you go to court, but you could be wondering how you can choose the right legal professional to take care of your case. Luckily, following these tips can help you find the right person to hire. Here are some tips from our legal expenses insurance agency:

Find Someone Who is Experienced

First of all, you probably don’t want to hire a brand new Orange County criminal defense lawyer to help you with your case. Although there are definitely some young, new lawyers out there who really know their stuff, you will probably feel more comfortable if you hire someone who has a bit more experience.

Look for Someone Who Has Handled Plenty of DUIs

Don’t just look for someone who claims to be a defense attorney. Instead, ask different defense lawyers about their specializations. It’s generally best if you can find someone who has handled quite a few DUI cases over the years; then, you don’t have to worry as much about the lawyer not knowing what he or she is doing in court.

Think About Pricing

Pricing does matter when it comes to hiring a lawyer. Although you probably don’t want to hire the cheapest attorney that you can find — otherwise, you might not get very good legal representation — you probably can’t afford to hire the most expensive lawyer out there, either. But maybe you’ve already got an insurance that covers such cases. Call around to get price quote ideas for different lawyers, and consider hiring someone in the mid-range of pricing.

Sit Down for a Meeting

Before you hire an Orange County Criminal Defense Lawyer to take on your case, it might be a good idea to sit down and talk with several different attorneys. This can give you an idea of how interested the attorney is in your case, and you can also get tips and insight about how to handle your upcoming situation. By meeting with any lawyers that you are thinking about hiring, you can get a better idea of who will do the best job of serving you.

There are quite a few defense lawyers in the area who will probably be happy to take on your DUI case, but you shouldn’t just trust anyone. Luckily, following these tips will help you find the best lawyer possible, which will help you get the best possible outcome when you go to court.

And here’s a final tip! Even organic search engine results for dui lawyers can be tweaked and some law firms are already taking advantage of SEO for lawyers which helps them to rank higher on Google.

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October 16

A great SEO Expert in the insurance niche

If you want to grow your insurance agency you need to attract new clients on a regular basis. Especially the insurance industry is highly competitive and Marketing campaigns need to be well prepared in order to get great results and generate a positive Return on Investment.

What I have seen great success with in my own insurance business was when I hired a SEO expert to rank my website.

In case you are not familiar with search engine optimization (SEO), this is the process of ranking your webpage on top of the search engines for selected search terms. So, when people are looking for a certain kind of insurance policy that you are selling you want to be found right among the first spots. Reaching out to these people is highly effected because chances are really high that they have already made their buying decision.

The SEO expert that I trust

Unfortunately, SEO is not that easy and you really need to hire a SEO consultant or agency to get the job done. Another problem with search engine optimization is that this is an industry with a lot of shady people who never deliver real results and only want to take your money.

To prevent you from having a bad experience with SEO it’s highly recommended to hire a SEO expert with a proven track record.

Only work with a seasoned SEO expert

Fortunately, I was lucky enough to find the right SEO consultant at the first try. His Name is Christian Weiss and he’s really delivering awesome results. Christian doesn’t work for everybody and only takes on a few clients at a time. But if you get the chance to work with him don’t hesitate. He really changed my business in an unbelievable way.

Since he has ranked my website for some pretty cool keywords I have a constant stream of leads coming to my business and the best thing is that these people convert into new clients on a crazy conversion rate.

Category: insurance business | Comments Off
September 13

Getting an unoccupied property insurance can save your assets

Just think about that real quick: In order to build some assets for your retirement you have invested your money into real estate. You have bought a house, an apartment or a condominium in order to rent this out to a tenant.

Doing this would allow you to achieve two things! When done properly, you would build an asset that would actually increase it’s value over time and you would get paid a monthly rent for this property at the same time.

At first glance this strategy really looks perfect.

But, what if suddenly the economy turns down and you have a hard time renting out your property? What if the property would be empty for a few month or even a year?

In this case a lot of landlords might get into big trouble because one fundamental part of this real estate strategy is to pay for the house or apartment with money they have borrowed from the bank.

If suddenly the estate would be empty and no rent would be coming in this might cause some severe financial difficulties because they just don’t know how to pay for the credit.

Save your assets with an “Unoccupied Property Insurance”

In order to avoid a situation like described above I would highly recommend getting an UNOCCUPIED property insurance which would cover you in such cases.

To get a first overview just watch the video below which explains what this kind of insurance policy is all about and how it works…

As always, we hope that this article was helpful for you. Just visit our website on a regular basis if you want to learn more on how landlords can get insured the best way possible.

Category: Insurance for landlords | Comments Off
September 9

The Indie Insurer is online

Hey everybody, it’s good to see you here on my website!

My name is Burt Lancaster and I am a professional Insurance Broker. I have been in the insurance business for my entire career. My grandfather sold insurances, my father did and so do I. But, the world has changed and the changes are happening faster and faster – especially in the financial world.

insurance advice from Burt

That is the reason why I have decided to setup this blog in order to help as many people as possible to get the right insurance policies and optimize their financial.

My intention is not to sell you on a contract that you don’t need. I only want to provide valuable information about the latest trends, fads, and regulations in the insurance field.

I know from experience that most of the people have the wrong coverage. In my opinion this is due to the fact that everybody collects different insurance contracts over their life-time depending on their current needs and circumstances.

But don’t worry! If you feel that you need some guidance with optimizing your financial belongings I am here to help you. On this website I will publish articles as well as videos on a regular that are supposed to help you to get your financial act together.

Finally you should know that this blog is not only about insurance contracts and policies but also about other financial products.

Hope you enjoy your stay,

Burt

Category: Uncategorized | Comments Off