By floydiusmaximus March 07, 2016
For a smaller bank, you would expect greater customer service and more personal treatment from its management. Unfortunately, their customer policies and banking solutions don't compare to their larger competitors. Their treatment of good customers, when there is a discrepancy involved, is plain awful. The only reason why I am still banking there is because I received a great promotional rate on a HELOC awhile back. Once the HELOC expires, there is absolutely no reason to bank there again. ...read more
By Anonymous August 24, 2014
The leadership of Hobaica Services, Inc. stands by the quality of the equipment they sell. When a defect was found in a system Hobaica installed in our home, Hobaica did not charge us a labor fee for either the inspection of the old unit, or installation of the new unit. Their technicians delver superior technical service in a courteous, professional manner. They stay on task. They keep you informed throughout the process. And they show initiative by taking care of things they notice that might become a problem later. After our water heater leaked and the technician was installing the replacement, he cleaned up all the debris (peeling paint, broken plaster) created from the previous leaking water heater, and then installed a sheet metal shelf to protect the surface underneath the water heater so there would not be any further damage. There really are "no worries" when you choose Hobaica! ...read more
By ConfusiouJedi at Menuism March 23, 2014
Prices are great, quantity & quality is also great. (1) Baked Lasagna: Good. (2) Mud Pie: Outstanding. ...read more
Over the past six months I have personally seen some improvement in the local economy for Arizona. I am noticing though small businesses and individuals are starting up new companies and ideas they have want to try for years, but need a little extra cash in order to do so. Most of my customers are absolutely surprised they can utilize their current life insurance policy for immediate large cast sums before their death. Most people assume one has to die in order to receive funds from your life insurance policy. My company has been working with customers unlocking this hidden potential, to assist with their startup companies, or paying bills catching up on old mortgage payments. Running large cast sums to purchase new homes or investment property. The concept is simple, an investment company, and even banks acting as investors however working through many brokers to soften the idea that banks are purchasing senior citizens life insurance policies for guarantee payout sometime in the future. The idea can even seem a little bit morbid. However it is this what it is, and when a client is needing immediate funds, it can be the best news they had in a while. The target range for these policies is age groups from 52-99 younger ages are looked at however, the return on investment becomes a trade-off in the future, and any liquid cash from the policy becomes too low to consider for any deal. Universal and whole life policies are considered the most sellable policies. Term insurance can be considered sometimes but it must be level term and renewable. Client does not have to sell their entire face amount of the policy, and can only sell half of its if they desire. The balance of the death benefit would then go to that's customers family when a member passes away. There are many scenarios that can be worked in with any deal for secure financial future for your family now and in the future. A most recent policy was sold in Mesa Arizona for a 87-year-old widower. her necessity for fast cash for medical expenses was her highest concern. For policy was nine years old, and her monthly premium was $350.00 a month. Making the monthly premium was her toughest challenge each month. After working with her policy and proposing three offers from different companies; for $300,000 death benefit policy. She selected, option A, this paid her an immediate $140,000 for payment to her bank account that was wired within seven days of accepting the offer. Her concern was also, final expenses upon death, and the deal consisted of an additional $20,000 upon her death to be paid to beneficiaries. this 20,000 would then take care of her final expenses, burial expenses and, payment for final bills that would be anticipated that time. She was also freed up of the $350 monthly payment for the policy, this alone added additional 4200 on her yearly budget, which then provided for an immediate occasion to visit her grandchildren. The company that purchased the policy took over her payment, and they will receive the balance of her death benefit upon her death as their portion of the life settlement deal. I wish I say this process fast once a customer determines they want to sell the policy or a portion of it. general quotes can be provided within 10 min over the phone. for contractual quotes and actual selection of options can take up to two weeks. Once a person decides they want to proceed on from that point, it can take up to three months to coordinate information with your insurance company, request copies of medical records, and filing the necessary forms with your beneficiaries and family members or anyone that would have an interest in your current policy. This concept is probably not a good idea if you needing cash within 30 days, however it is an excellent, un hidden potential for large sums of cash in your immediate future. At any point the customer does not have to commit to the deal. I have had customers decline the offer only hours away from wiring their money, after they have satisfied their need for immediate cash by some other opportunity. There is no cost to the customer at any phase of these potential life settlement purchases. All costs is occurred by the future buyer. It will be important to remember though your monthly premium must be continued to be paid while the underwriting processes occurring. The general life insurance policy however usually has cash value built up which can take care of this immediate need until the deal is completed. It is definitely worth your effort to obtain a free quote, and learn about the hidden potential of these policies that can assist your family today without having to pass away for the benefits. Please call my office, for free confidential quote and further information. Additionally, if you are interested in knowing about how to, re-quotes your current policy for a new one, that could actually provide a paid-up benefits today, that essentially means you would have no more payments in the future, thus leaving your death benefit at the same level. There are millions of life insurance policies that are OVER-FUNDED, This essentially means, a person could theoretically stop paying for the life insurance policy entirely, and the cash value in the policy would simply then work backwards and most times has more than enough cash to carry the client to age 99. These policies can be difficult to figure out, and more than not missed information might be given intentionally or unintentionally, by agents and companies as to what truly you are benefits are. Many life insurance policies are structured, so the agent will receive a commission on the premium as long as it is paid, whether the premium is needed or not. Another misconception is, The clients cash value will come back as a death benefit along with the quoted death benefit in the policy. Many policies are structured, that the higher your cash value gets, the less risk the insurance company occurs, due to your death benefit the client receives back will include their cash value lumped in with the death benefit. The opportunity cost for the insurance company is greater if the client continues paying for the policy, which means the company will pay out less utilizing the clients own cash value as the death benefit payment. I have seen many life insurance policies that, or well over 50 years old, and the client has essentially cumulated the full cash value equal to the death benefit, and still making a payment to the insurance company. Literally the risk to insurance company this point is zero, and the client essentially thus has a savings policy, that has life insurance fees peppered throughout the policy, far greater than any simple savings account. These policies at a point, will actually endow. If your policy has endowed, this means that your death benefit could actually be taxable, a large mistake made by any financial planner, due to life insurance is essentially tax-free if the purpose was created for family estate and file expenses. Believe it or not there are also, billions of dollars in unclaimed life insurance policies. The insurance companies maintain these policies to a certain point, and are required to turn the funds over to the state their registered in to sell insurance. However had certain time frames, this becomes free cash for the companies to utilize for their earnings potential. Let my company help you, for free quote to find out if you have any relatives that have left to life insurance that is not ever been claimed. there is a small nominal fee to collect the policy by my company, the system I utilize also finds funds for un recovered Monies that, in person has forgotten over the years. A good example would be, deposits for gas companies and utilities. All too often clients move and felt a click the security deposits. Tax refunds of never been collected. Many clients have received over the years many class-action lawsuits, for computer components and compliance and equipment. The client fills the general class-action lawsuit form out and over the years forgets to check back on the claim. There is a 90% chance you have unclaimed money that would take less than 5 min. to find. Simply call my office and ask for this free quote. I have to staff members or charge a small nominal fee to process the necessary paperwork to receive your money back. I wish I can convey how successful this program is, and know of two class-action settlements that the general public has probably participated in or not, and you still have access to those funds for a limited time frame. This is no joke no gimmick, and actually a shame, that they lost agencies do not notify as required in many conditions that these funds are simply waiting to be turned over to each state, as your free money. Capital Investments Inc, call for your future with safe secure funds and management. 623-680-8840 www.capitalinvestmentsonline.com e-mail us at capitalinvestments@cox.net ...read more
By Capital Investments Incorporated February 26, 2012
My company purchases life insurance policies, if you need some liquid cash and have a universal or whole life policy that is more than two years old, then my company's interested in purchasing that policy; either the whole thing or half of it. Life settlements is the concept, and a good example would be, a 60-year-old who has $100,000 life insurance policy that is five years old. I offer two proposals to look at, each one offers $45,000 wired to your bank account, from Wells Fargo, my company continues to make the premium payment and then owns the policy. At which sometime in the future the full policy death benefit or a portion will be paid to my company and its investors. Under this scenario, a second death benefit check was issued, back to the insured for $15,000, It only takes five or 10 quick minutes for quote over the phone, or visit one of our offices in Scottsdale. Call us for More info. 623-680-8840 or visit us at my website, www.capitalinvestmentsonline.com Call 623-680-8840 E-mail us at capitalinvestments@cox.net ask for Doug Roth ...read more
By Capital Investments Incorporated February 26, 2012
Did you know that your life insurance could be purchased by a company or individual? This process called life settlements. My company purchases life insurance if certain conditions are right. Life insurance allows for current owners and insured’s to sell all or a portion of their life insurance proceeds well before the insured's death. This hidden ability could allow freed up money to be used for anything you desire.Life settlements have been around for over 20 years. There are minimum requirements that must be met in order for this process to take place. The policy must be at least two years old. The policy must be a case value type life insurance; such as Universal life, or whole life. There are many types of names for different life insurance policies and a simple phone call could evaluate your policy for you absolutely freeA recent example was an 87-year-old female widower, had a policy with John Hancock Life Insurance Company. The policy was eight years old. She sold the policy and received $65,000 cash wired in her bank account to help with bills, medical expenses, travel and living needs.Another example was, a husband-and-wife living in Sun City Arizona, sold their joint second to die life insurance policy that was 3 years old. It was with Fort Dearborn Life Insurance Company. The couple received $175,000 cash within a few weeks that was wired to their bank.If your problem is the current premium is too high for your current life insurance policy, there are other methods to save money. Companies and individuals will assist with the premium of the policy until the insured were to pass away; then the majority of the life insurance value or Death Benefit will go to their children and or any living Spouse. A small portion of the Death Benefit will go to the company or individual who assisted with the premiums at the time of purchase.So this way the insured’s did not have to fully sell their policy and still received the majority of the benefit. They were freed of the burden of the full premium for the rest of their lives. The premium is paid by the new shared owners.The majority of these new owners are large corporations and Banks, so there is 100% non-risk participation by the insured or owners.It only takes a few minutes over the phone to evaluate such a policy purchase plan. The full process can take up to a few short weeks or as long as 3 to 4 months depending on the Insurance Company's participation along with all the members. Every state is a little bit different as far as taxation on funds received from selling life Insurance policies. Questions regarding taxation can be answered professionally by your tax qualified prepare. There are only a few states that have not, passed legislation to allow individuals to sell their policies.Please call for any questions or concerns regarding this information or e-mail us at Capitalinvestments@cox.netPhone 623-680-8840.Capital Investments Incwww.capitalinvestmentsonline.com ...read more
By Capital Investments Incorporated February 01, 2012
When the economy tanked in the early 2000s most people began to worry about the state of their bank's health. At the present time, however, banks are beginning to stabilize and hire more workers as they iron out the remaining wrinkles in their business. Those interested in banking should have a wide r... ...read more
Banks and credit unions have been in the news a lot lately for many reasons. This has led many people to wonder if there are any difference between a bank and a credit union and have started to compare banks with credit unions. The two has similarities, but then they also have many differences as well... ...read more
