<![CDATA[CORNERSTONES FINANCIAL LLC. - Articles]]>Tue, 19 Sep 2017 17:11:44 -0700Weebly<![CDATA[Seven Shopping Strategies For New Car Buyers]]>Sat, 07 Jun 2014 10:43:56 GMThttp://cornerstonesfinancial.com/3/post/2014/06/seven-shopping-strategies-for-new-car-buyers.html New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).

Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying array of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach car buying strategically.

So if you’re in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, courtesy of CF Insurance Agency, in mind:

1. Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?

2. Research crash tests and accident data available from the Insurance Institute for Highway Safety.

3. Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union or other financier before you even visit the dealership. Being a “cash buyer” gives you an advantage when you do finally meet with the dealership’s financing person.

4. Test drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day.

5. Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal.

6. Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax.

7. Inspect your new car carefully before driving off the lot. Make sure all the options you’ve ordered are included and that the body and paint are free of scratches or dents.

Finally, it’s important to consider the cost of auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle’s total cost.

Wise car buyers know to shop around for insurance and find out how costs compare. They also know to visit an independent insurance agency – like <Agency Name>. We can check with several companies to find the best combination of coverage and price.

To get a Progressive quote with CF Insurance Agency, visit CFIAgency.co or call us.

<![CDATA[Helpful debt resolution service - Check the options before selecting]]>Mon, 07 Oct 2013 08:19:31 GMThttp://cornerstonesfinancial.com/3/post/2013/10/helpful-debt-resolution-service-check-the-options-before-selecting.htmlBeing in debt is definitely not a desirable situation. However, in the current situation when finances are unstable it’s not possible either to do without borrowing. There are student loans, credit cards, auto loans and mortgages to take care of. Apart from that, the job market isn’t promising either. In such a circumstance, it can be difficult for a consumer to maintain the financial balance in life. The only way to achieve financial stability is debt resolution.

What you need to do for successful debt resolution?
Debt resolution requires you to take care of a few important things, like:

·         Your monthly payments.

·         The time frame.

·         The interest rate charged on your debts.

You need to prepare the right repayment plan through which you can pay off your debts as early as possible. Avoid taking too much time for the payments, or else you’ll have to pay more as interest on the debts. Continue your monthly payments on a regular basis to shorten the time frame. So, you can see the three factors mentioned above are interconnected. To solve your debt problems successfully you’ll have to take care of all the three factors.

The options that you may select for debt resolution

The range of debt resolution services is huge. Amongst all, credit counselling, debt settlement and consolidation are some of the popular options. Bankruptcy is also a solution for your debt problems. But, it’s better not to think about filing bankruptcy at the very beginning when you can still settle your debts easily.

Selecting the right debt resolution service can be tricky. So, you should understand the options well and select according to your convenience. Here is a description of some important and effective debt resolution services that you may opt for:

1.     Debt settlement: Debt settlement is supposed to be the fastest and most effective solution for debt problems. Careful negotiation with the creditor may help you to reduce the total amount of debt up to 50%. The monthly payments will be affordable as well. That’s why people find debt settlement the easiest way to eliminate debts. Apart from the benefits, there are some facts that you should be aware of. Settlement affects your credit score. There are tax consequences as well. The forgiven debt is taxable according to IRS. If your creditor is forgiving debt of $600 or more than that, he’ll report that to IRS through Form 1099-C. So, before you opt for settlement make sure you get all the details from beforehand.

2.     Credit counseling program: Credit counseling programs are beneficial as the counseling sessions always help a lot to realize exactly how grave is the situation. Apart from that, the experienced counselors make it easier to convince the adamant creditors and reduce the interest rate to some extent. Credit counselling program takes around 5 years to be completed. If you’re planning to enroll into a credit counselling debt management program, then it’ll appear on your credit report. Credit counselling programs don’t help in reducing the total debt amount. It only lowers the interest rate to some extent.

3.     Consolidation program: There is another effective option - debt consolidation. With debt consolidation, you can consolidate your multiple due bills easily and eliminate your debts conveniently. Just talk to your creditor and manage to get some reduction on the interest rate. To convince the creditor without much hassles you can look for professional help. There are numerous professional debt consolidators that may help you to get out of debt. Always, remember to take extra care of your credit score right after completing a consolidation program.

As you can see, all the options have their own pros and cons. So before you opt for a debt resolution service, check the all the necessary details to select the most suitable option.