Monthly Archive: January 2017

Automobile Refinancing and Its Benefits

It is every person’s dream to live a healthy life characterized by having a decent house and car among others. There is a lot of peer and societal pressure to pursue such dreams. However, lack of enough resources acts as the main hindrance towards achieving these goals. Different financial institutions have enabled many people to be able to possess these assets through loans.

 

Automobile finance refers to the various financial products that allow one to own a car without paying the full amount of money. One has to meet some conditions to be funded.

 

When seeking automobile refinancing, it’s nice to know the current value of your car and your loan’s payoff amount. Ignition Financial is one of the many companies that provide auto loans. They buy leased cars and also refinance car loans.

 

Causes of Automobile Refinancing

 

  • If interest rates have dropped. Interest rates keep changing. If the current rate of interest is less than the rate at which you signed for the loan, it is worth refinancing.
  • If there is a need to change the amount of monthly repayment.
  • Failure to secure the cheapest loan. If one discovers that he has been paying higher rates than what others are paying, refinancing becomes an option. Many lending managers get discounts from their bank on overcharging their clients.
  • Change in repayment period. One may opt for refinancing if he wants to either increase or decrease the repayment period. These changes always affect the amount one is supposed to pay in a given time leading to an overall change of terms.
  • If the credit score has improved. A high credit score shows less risk for the bank. It is associated with low-interest rates. Low credit score indicates high risk and is associated with high-interest rates. Therefore, if one’s credit score improves over time, it is advisable to refinance to enjoy the benefits.
  • When you are adding or removing co-signer.

 

 

Benefits of Automobile Refinancing

 

  • It consolidates all auto loans. All your loans are combined into one loan which is easier to manage.
  • In the case of increased credit score, refinancing reduces the initial cost of the investment.
  • Refinancing is beneficial when interest rates are lowered as it reduces the required monthly amount.
  • It enables one to pay off his/her loans in case of increased income, sale of other assets or any other positive change in income.
  • “Refinancing helped me slash my payments,” said one New York resident.

 

 

“Julie Zuckerberg.” Corporate Talent Acquisitions Elite Recruiter

Career Insight

Julie Zuckerberg is a talented* acquisition and management executive who has amassed over fifteen years of recruiting experience. Julie currently holds an Executive Talent Acquisition Lead at the Deutsche Bank, since 2014. In this executive recruiting position, Zuckerberg is able to create strategic recruitment plans that help recruit and acquire elite talent. Zuckerberg is not only an executive talent recruiter but also a recruitment leader and coach.

 

Before entering her executive role at Deutsche Bank, Zuckerberg served as Corporate Vice President and Recruiting Hire Lead at New York Life Insurance Company. In this VP role, Zuckerberg oversaw the company’s recruitment process and worked together with management to find customers target points of interest.

 

Prior to working as a Corporate Vice President at New York Life Insurance, Zuckerberg held an Executive recruiter and Vice President for at Citi for over six years. Her she was able to facilitate expert level job offers, offer expert counsel on recruitment plans, and acquired elite talent for around the world.

 

Zuckerberg’s extensive experience began years before her roles at Deutsche Bank, New York Life, and Citi. Zuckerberg held the Director of Candidate Placement for many years as she successfully acquired managers, paralegals, support staff, attorneys, financial institutions and law firms. Zuckerberg, also resolved and mediated employee conflict, while also acting as a support coach for her recruiting team. Because Zuckerberg has such a strong work ethic and educational background, she is able to offer such a wide variety of executive recruitment talent, management and executive recruitment leadership.

 

Educational Background

Zuckerberg attended school at the University of Brooklyn College, where she majored in philosophy before transferring to the New York Law School, prior to entering the talent acquisition industry. Because of the mentor-ship that Zuckerberg received in her her early staged of recruitment, she is able to train others how to properly manage and acquire talent while still being a mentor to her team as well. She has been trained in conflict resolution, employee training, and elite sourcing. Zuckerbergs interest in technology also allows her to stay ahead of her competition.

 

Personal Time

When Julie Zuckerbeg, is not working in her executive recruiter and talent acquisition role, she is actively enjoying the New York lifestyle and culture. She has a firm belief in human rights and is a strong ambassador for animal welfare. Zuckerberg is also an advocate for the social and economic betterment of impoverished areas around the world and using her abilities and talents to mentor, benefit, and develop those around her.

On The Shoulders of Mikhail

It is often said that we stand on the shoulders of giants. In an era that has very much been molded by the Renaissance, people are thinking scientifically. They want to know about the natural causes of the world On tandfonline.com so that they can find real solutions. Science is becoming more popular. Even those who do not understand science are pursuing books that are written on a popular level. Science is achieving more in this generation than has been achieved in centuries past. That can be seen in modern technology. Particularly, it is evident in the field of medicine, wherein men such as Mikhail Blagosklonny make their contributions.

Who Is Mikhail?
After earning a PhD in experimental medicine, he taught as an associate professor at New York Medical College. Today, he works as a researcher and a scientist, owning a peer-reviewed journal titled Oncotarget on impactjournals.com.

His Work On Aging
Aging takes its toll on everybody. It can be a major frustration. Ladies who once felt beautiful now feel as though it has all faded to grey. Men who were once strong have become frail. Unfortunately, with age will come a greater vulnerability to terminal illness, such as cancer. That is where Mikhail has staked his claim in the medical industry. He believes that cancer can be combatted through anti-aging medication.

Through his research, Mikhail Blagosklonny has concluded that the pharmaceutical known as Rapamycin may play a central role in cancer treatment. It can enhance the immune system so that it will more effectively target tumors. If this drug is properly developed and tested, it could spell the end of cancer.

The Roswell Park Cancer Institute
The cancer institute recruited Mikhail after surveying his body of work. With the right resources, his hypothesis could be developed so that it has real long-term effects in the future. Source: https://www.linkedin.com/in/mikhail-blagosklonny-91abb531

The scientist who fights cancer. That is who Mikhail Blagosklonny is. Even if he does not finish his work during his lifetime, he will have laid the foundation for future scientists to build upon. Just as scientists stand upon the discoveries of old, it may be that scientists of the future will stand upon the shoulders of Mikhail as they find treatments and ultimately the cure for cancer.