David Giertz is the president of sales and distribution at Nationwide Financing. He gave his opinion on social security to the Wall Street Journal. He started by pointing out how people who chose to invest in social security were unaware of the different plans that were available to them. One can choose a plan that fits them depending on the time that they wish to retire.
David Giertz gave an example of how people in their twenties have different needs compared to an individual who is scheduled to retire in a few years time. People usually go for the first option that they get because they do not know the options that they have. It may not be the most appropriate for them.
Giertz explains that the person at fault is not the one looking for social security but the one who is responsible for signing them up. The official that is handling the plan of the clients should go over the plans so that the customer is able to make an informed decision depending on their situation on bloomberg.com. This is the main reason why people opt for advisors who will present all the information to them and then explain the returns and benefits of each one.
David Giertz is a financial advisor. He has more than three decades of experience. He is an accredited broker and is registered with FINRA. He started his career at Financial Horizons Security Corporation in 1989 where he worked for four years. Giertz then joined Citicorp Investment Services and maintained his role at the company until 1999 at http://financial-advisors.credio.com/l/314999/David-Giertz.
David moved to his current employer known as Nationwide Investment Services Corporation in 1999. He was promoted to vice president of Nationwide Financing Sales in 2004 on soundcloud.com. He held the same position at Nationwide Financial Services. Giertz was appointed the president of Nationwide Financial Distributors and the senior vice president of Nationwide Life Insurance Company in 2013.
Customers may get their cars financed with agencies that will look beyond their credit, but this will usually result in higher interest rates. It is not uncommon for customers to bypass a search for the best interest rates if they believe that they are not really eligible for any good rates. When I am looking for ways to slash my payments I am going to consider the benefits of refinancing the auto loans.
There are many reasons to consider auto loan refinancing. One of the biggest reasons is lower payments. This is something that people may not be consider during the holidays. If the money is tight in the home they will find themselves looking for ways to generate more money in the home. If more money cannot be earned with seasonal work the easiest thing that one can do is lower the expenses. That is something that is often easier said than done, but Ignition Financial has been able to help a lot of people get their payments lower on their cars.
This is good because it will cut down on the amount of time that you have to pay for a car. Most customers do not really think about it, but cars depreciate tremendously in a short time frame. No customer wants to get stuck overpaying for a car that isn’t worth the original amount they pay for it. There certainly are a lot of people that get cars at higher interests because the economy may be slow. When rates are better and customers have better opportunities to get lower rates they are going to jump at the chance to refinance. Some people may save hundreds of dollars. It just depends on the amount of the car.
Another great thing about this concept of refinancing is loan the flexibility to change the terms. If you were previously paying for 72 months you may consider the benefits of change payments to 60 months. This may not have been something that you could do in the past because the interest rate was too high. Now that the rate is lower you will have the opportunity to pay the car off sooner so changing the terms of the loan may work for you. Once you pay the car off you will even see a drop in your insurance premium. This equates to more savings. That is why refinancing is valuable.