Fresh Start Program Review

Fresh Start Program Review


In this Fresh Start Program Review, we look at an innovative ground-breaking method of conducting business. The Fresh Start Program starts with all the ingredients that earned Signature One Financial their CFRB 5 Star Rating of Excellence as well as an A+ rating with the BBB and then goes a step further. The Fresh Start Program is designed to connect the consumer with the best financial services company for their unique needs, even if the best company for the consumers’ current situation is not Signature One Financial.

Fresh Start Program Cast a Wider Net

In speaking with Signature One Financial regarding this open platform for conducting business their response was actually a very simple answer. Signature One Financial stated that the Fresh Start Programs approach allows them to cast a much wider marketing net that ultimately returns them more clients that fit their expertise as well as helping consumers to find the right fit when it is outside of Signature One Financials focus. This approach sets up Signature One Financial for future referral business as well as the potential of repeat business from those consumers when their financial needs do fall within the area of expertise that Signature One Financial excels in.

Fresh Start Program Creates a Win/Win Scenario

Now while the overall cost for casting a wider marketing net with the Fresh Start Program is higher than marketing to a targeted group of consumers, the individual cost to reach a prospective consumer is less per person than filtering down to specific target markets. The marketing cost is shared by the different companies providing financial services to the consumer through affiliate marketing agreements in the Fresh Start Program. This method reduces overall marketing cost to the companies creating a saving that is passed down to the consumers in the form of value-added services.  The Fresh Start Program creates a true “Win/Win” scenario for both the consumer and the financial services company.

Fresh Start Program Connects the Right Client to The Right Company

The Fresh Start Program from Signature One Financial is truly a breakthrough in innovative marketing that helps the consumer get matched up with the best possible solution for their current financial needs and connecting the right prospective clients to the companies that are best suited to provide the financial services to meet those needs. As well as reducing cost and increasing the ability to provide value-added services to the consumer through the Fresh Start Program

Fresh Start Program Receives a 5 Star Rating from the CFRB

Based on the design of the Fresh Start Program to help the consumer find the help they need and the innovative method the Fresh Start Program uses to create a “Win/Win” scenario for both consumer and financial services company the CFRB sees this as a recipe for success. Combined with the reputation of Signature One Financial the CFRB awards the Fresh Start Program our highest rating of 5 Stars.

Like always we encourage consumers who have firsthand experience with the Fresh Start Program to comment below.

Monument Real Estate Services, LLC Review

Monument Real Estate Services, LLC Review


In this Monument Real Estate Services, LLC Review, I will be talking about a real estate that has gotten a lot of negative press and has created somewhat of an untrustworthy name for itself. Monument Real Estate Service, LLC is an asset and property manager that directs a full suite of services in the real estate markets across the country. They offer guidance to institutional and individual investors in the acquisition, financing, and property management of income-producing properties.

Monument Real Estate Service, LLC is based in Miami, Florida. Currently, they hold an F Rating with The Better Business Bureau. Which is about as low you can get. There’s no F-. I’ll get into the details of their report later. So now that you know a little about this company, let’s get into it. We will put them through the ringer and see how well they handle.


Monument Real Estate Services, LLC Review: Services

In terms of the services they offer, we found in this Monument Real Estate Services, LLC Review that they offer pretty much the same services that any real estate company does. They can help you if you want to buy or sell a home. Or if you are looking for some help with property management. You know, the usual mumbo jumbo. The firm’s management portfolio of more than 12,000 units includes properties owned by Monument Capital Management’s three funds, controlled by third parties in the Southwest, Southeast, Midwest and Mid-Atlantic regions of the U.S.

So, they have their hand in quite a few properties all over the United States. Which I sort of find surprising, considering their reputation.


Monument Real Estate Services, LLC Review: Credibility

I am not going to sugarcoat it for you in this Monument Real Estate Services, LLC Review, folks. This is probably one of the least trustworthy companies we have reviewed on the CFRB. And we have reviewed many stinkers in our time. In writing this Monument Real Estate Services, LLC Review I found nothing but negativity and complaints online.

Sometimes you might find an overwhelming amount of negativity, but usually, there’s a sprinkle of some positivity in there somewhere. While that may be the case for many bad companies out there, that is not the case for Monument Real Estate Services, LLC. They have 30 complaints on the Better Business Bureau site. 30 complaints with only 5 responses.

I would give them credit if they responded to their complaints and tried to resolve some of their issues. I have seen that in the past. Companies that have plenty of complaints trying to fix the issues and restore their credibility. With Monument Real Estate Services, LLC, it’s like they don’t even care. They are out there parading with an F rating and tons of complaints from very concerned consumers. I am always amazed at how companies like this still can keep their doors open for business. I don’t want to speak too soon, but I am pretty sure I know what kind of rating we are going to give them.



Monument Real Estate Services, LLC Review: Consumer Testimonials

In this Monument Real Estate Services, LLC Review we found many consumer testimonials that were just terrible. Many of which heard no response from the company. Here is just one of many testimonials for you to look at. Hopefully, this will help you see Monument Real Estate Services, LLC for what they really are. Here it is:

“I was supposed to receive a security deposit refund and I have yet to receive it in a timely manner. I was a resident of Timberland Apartments located in Savannah, GA for two years. I moved out on 2/14/2017 and was sent a letter a week later that I would be receiving part of my security deposit within 30 days. When that time passed *** still no deposit I contacted the office. They stated that they would contact their corporate office to see what the holdup was. Instead of getting my security deposit, on 4/28/17 I received the same exact letter stating that I would be getting a check mailed to me within 30 days. On 5/12/17, I sent a letter to the apartment complex stating that if my deposit was not received within seven days of the date of that letter, I would seek further action. Today is 6/1/2017 and I have still not received my security deposit nor have I had any further correspondence from the apartment complex.”

That just sounds like an absolute nightmare. I feel so bad for this consumer. The purpose of this Monument Real Estate Services, LLC Review is to make sure you do not end up like that consumer. Frustrated, and in a tight spot where you have done everything you can, yielding no results. Oh, this is not the only complaint that falls into the same category. There are tons of people feeling like Monument Real Estate Services, LLC is terrible. The few people who have received some sort of resolution are probably running as fast as they can away from Monument Real Estate Services, LLC.


Monument Real Estate Services, LLC Review: Conclusion

So where does this leave us with Monument Real Estate Services, LLC? Is this a company we can trust? A company we can give golden stars and promote to our faithful readers? Absolutely not. In fact, you might find a more trustworthy ally in that Nigerian Prince that keeps emailing you. Use him for your real estate needs. Whatever you do, just stay away from Monument Real Estate Services, LLC. Nothing good will come from you doing business with them.

In this Monument Real Estate Services, LLC Review, we are giving Monument Real Estate Services, LLC Review:  0 Stars for doing nothing good for the real estate industry and consumers. Let us know in the comment sections below what your thoughts are, or if you have any questions. Check Our Reviews page for more insight into trusted companies.


Hydra Fund Loan Review

Hydra Fund Loan Review


In this Hydra Fund Loan Review, we want to highlight a payday loan company that you should avoid at all costs. It’s no secret that dealing with payday loan companies is sometimes a bit of a gamble. You need money as soon as possible and you fall into the clutches of these bloodsucking leeches that will take you for every penny you’ve got. Over the years, I have come across a few good payday loan companies that operate with some level of honesty and integrity. Unfortunately, that it rarely the case. So, let’s get this Hydra Fund Loan Review started. So, you can stay away and stay safe.

In this Hydra Fund Loan Review, we discovered that all business is done through their site So, what this means is that there are no actual physical locations. by Hydra Fund Loan is a matching service which submits your inquiry to its network of lenders. There is no cost for submitting an inquiry. The fees and rates are quoted directly by the lender which is matched to your profile. Hydra Fund Loan deals primarily in short-term loans, offering anyone between $100-$1000 immediately once they qualify.


Hydra Fund Loan Review: Rates & Fees

One of the things we found while writing this Hydra Fund Loan Review is that the rates and fees you will face greatly vary depending on which state you live in. For example. If you live in the state of Delaware, your max loan amount is $500. While the fee attached to this loan has no limit. Meaning the lender could essentially charge you whatever they want. The same thing goes with the state of South Dakota. In writing this Hydra Fund Loan Review, we found that there are some states that do not have any specific lending statutory provisions pertaining to payday loans. It’s incredibly important you read the fine print and consider every aspect of the deal you are partaking in. But before you do that, consider finding a trusted and reputable payday loan company (good luck with that). Please don’t use Hydra Fund Loan.


Hydra Fund Loan Review: Credibility

Here are some things we uncovered in this Hydra Fund Loan Review that have lead us to believe this is a company you should stay away from. In looking over their profile on the Better Business Bureau, it is littered with nothing but red flags. Numerous negative comments left by consumers. Pages of complaints (which are separate from the comments). A C rating which is soon to drop to an F, I am sure.

We also found a notice from the Better Business Bureau stating the following:

“Now, BBB does not have active contact information for the company or its principals to allow BBB to communicate with the company regarding complaints. Unless there is an active way to contact the company, BBB is unable to pursue a resolution to complaints. However, BBB is still accepting and reporting complaints, including publishing details of those complaints within this Business Review on the company. If active contact information for the company or its principals becomes available to BBB, we will pursue communications and resolutions at that time. Due to the nature of the complaints, BBB recommends filing complaints with their local Attorney General Consumer Protection Section and the Federal Trade Commission, for any assistance they may be available to provide and/or to aid in any investigation their regulatory offices may be able to pursue.”

What do you think it means when a company shuts out the Better Business Bureau and continues to operate? To me, it says they have something to hide. The BBB even goes as far as recommending consumers file complaints with the AGCPS & the FTC.


Hydra Fund Loan Review: Consumer Testimonials

This part of the Hydra Fund Loan Review is probably the most important. This is the part where we give you testimonials to back up our findings and suspicions. Here’s what one consumer had to say about Hydra Fund Loan:

“fraudulent account practices. I originally applied for a payday loan back in 2012. Hydra fund also deposited **** in my account without permission. I called to dispute they initially told me they didn’t have an account for me. Now I am being contacted by creditors. This has been added to my credit. I have another company which I have made a settlement with whom assumed I was also part of hydra fund.”

Another Consumer wrote:

“I took a small loan from this co. I was charged twice for the balance.
I took a small payday loan from this company. in 2013. I paid it through mediation. In 2015, they sent the amount plus high penalties to collections, threatening me with legal action. I paid it again. I cannot reach this company nor do they have a working phone number. They should be ashamed of themselves.”

To be quite honest, I don’t know how they are still in business. With this many complaints, I am sure The FTC has caught wind of it all. What surprises me, even more, is that people are still using them for their payday loan needs. Most of which are unsuspecting individuals in tight spots. They go looking to get the help they need and end up getting screwed over in the end.

In my opinion, nothing good ever comes from these payday loan companies. Just more financial turmoil and stress.


Hydra Fund Loan Review: Conclusion

I highly recommend you stay away from Hydra Fund Loan. I highly recommend you stay away from payday loan companies in general, but if you decide to go to one, please don’t go to this one. Unless you are purposely looking to get ripped off and scammed.

In this Hydra Fund Loan Review, The CFRB Gives this payday loan company a 0-star rating and would like to issue a “warning”. Check Our Resources page for a list of trusted companies like Signature One Financial, which have received 4 stars or better.

Lafayette Life Insurance Company Review


Lafayette Life Insurance Company Review 

In this Lafayette Life Insurance Company Review, I want to talk about an insurance company in Cincinnati, Ohio that has been around for more than 100 years.

Lafayette Life Insurance Company operates in the District of Columbia and every state except Alaska and New York. They are a part of the Western & Southern Financial Group. Which is a group located in Cincinnati, Ohio that is made up of financial service companies. In writing this Lafayette Life Insurance Company Review we found that they have an A+ and an accreditation from The Better Business Bureau. Which is impressive, but there’s something off about this company.


Lafayette Life Insurance Company Review: Services Offered


Lafayette Life Insurance Company provides life insurance and annuity products to individuals and small businesses. Their product portfolio includes whole life, term life, indexed universal life, indexed annuity products, and much more. They also help businesses by offering pension plan services.

Lafayette Life Insurance Company has a wide range of options for you to advantage of. They also go into detail about services they provide on their website. If you are curious, it’s certainly worth taking a look. It’s also important to note in this Lafayette Life Insurance Company Review that they are specifically a life insurance company. This is an important distinction. This isn’t like a regular insurance company that has its’ hands in ten different cookie jars. For them, there is only one cookie car.  Lafayette Life Insurance Company isn’t spread too thin.

If you are specifically looking for someone to help you with your life insurance needs, I recommend going to a company like that is specifically in business for that. Instead of going to a company that just offers life insurance services along with a ton of other things. The difference is so tremendous. When you are dealing with professionals who have specialized in an area, you are bound to get better results. It’s your money, and you should be informed so you can make the best possible decision.


Lafayette Life Insurance Company Review: How Credible Are They?

So, this is what I really what to talk about in this Lafayette Life Insurance Company Review, because it’s sort of hard to pin down. Lafayette Life Insurance Company has been in business for over a century. That is a remarkably long time. So, they must be doing something right. And Yet, the only real feedback I see online is negative. There’s even negative feedback on their BBB page. Granted, they have responded to the feedback on their BBB page. As for whether it was sufficient enough for the consumer; that I do not know.

With companies like Lafayette Life Insurance Company that have been around this long, sometimes the dramatic changes that are constantly happening in today’s age can be a little too much. Regardless of their efforts, the roots of Lafayette Life Insurance Company were planted over 100 years ago. Maybe that’s starting to reflect in their work.

Perhaps Lafayette Life Insurance Company is not purposely trying to upset customers. I think it’s more that they are old-fashioned, and the world isn’t really looking for old-fashioned. When this happens, it’s adapt or die. Some companies make it, and some die off. I guess we will just see what happens next with Lafayette Life Insurance Company. Having a strong online presence is critical these days. It’s how people find you, and learn to trust you. If you don’t have that, you might as well close shop.


Lafayette Life Insurance Company Review: Consumer Testimonial

Here’s some of the feedback we found online in this Lafayette Life Insurance Company Review:

“I have spoken to two different representatives regarding a specific form to be sent to me in lieu of a money withdrawal from our policy. Both times the representatives have failed to get this form to me. This makes me very uneasy considering the amount of money I have entrusted to this company.”

In writing this Lafayette Life Insurance Company Review¸ I really couldn’t find anything else other than another negative review from the BBB that was just too long to put into this Lafayette Life Insurance Company Review. I truly wish I had some positive feedback to contrast and compare. It would certainly help paint a better picture.


Lafayette Life Insurance Company Review: Conclusion

Truthfully, I don’t think there’s enough evidence to write them off as a company that can’t be trusted. At the same time, I am not going to shout their name from the roof tops. I’ll leave it to you to decide. After reading what’s online, you are more than welcome to give them a call if you feel like they could help. Personally, I would look for a company that has more reviews online.


Lafayette Life Insurance Company Review: Conclusion

In this Lafayette Life Insurance Company Review, we are giving Lafayette Life Insurance Company Review 3.5 Stars. Let us know in the comment sections below what your thoughts are, or if you have any questions. Check Our Reviews page for more insight into trusted companies.




Debt After Death: What Happens To Your Debt When You Die

Debt After Death: What Happens to What You Owe Once You’re Gone

I am sure everyday people don’t wake up thinking about how they are going to die that day. While most of us make it through those 24 hours, some people aren’t so lucky. Quite a few of those unlucky fellows leave a fair amount of debt behind. You see, while you’re living your life and making monthly payments to creditors, your kind of forget that you may not be around to live out those full repayment terms. That’s an understandable thing to think. We see tragedy on the news, but believe whole-heartedly that something like that could never happen to us. Well guess what, the victims of the explosions, hit and runs, hungry bears, falling pianos thought the exact same thing. So if you have a fair amount of debt, then listen up. We are going to talk about what happens to your debt when you die.


Debt After Death: Statistics

You would not believe how many people die with outstanding debt. Here’s some statistics for you:

  • 73% of Consumer Die with Outstanding Debt
  • The Average Balance is $61,554 (With Mortgage Debt)
  • With No Home Loans the Balance is $12,825

So, what exactly is making up all this debt? I’m glad you asked. Here’s some more statistics:

  • Credit Cards – 68%
  • Mortgages – 32%
  • Auto Loans – 25%
  • Personal Loans – 12%
  • Student Loans – 6%

If you are wondering if I am just making this up, I am most certainly am not. All this data is based upon 220 million Consumers from Experian’s FileOne Database.


Debt After Death: What Happens When You Die?

So, let’s say you unexpectedly get hit by a bus, and you happen to owe $61,000 in debt. How tragic. Your family mourns for you, but then eventually they all start taking about money, because you you’ve got about $500,000 stashed away. So, what happens to that $500,000? Do your creditors automatically lose out because your dead? Can you just divide that $500,000 to your family immediately? No.

If you die, and have enough assets to cover your debts, then creditors get paid first. Meaning Your beneficiaries get whatever is left. So, in this case, if you owe $61,000 in debt, then your beneficiaries get about $439,000. Now that’s a good scenario for you. Here’s one that isn’t so great.

Let’s say, you are strolling along the road and a piano happens to fall right on you. Wham. You’re gone, dead, in sort of a comedic way. You’ve got $100,000  in credit card debt. Why do you have that much credit card debt? Well, because you probably have a problem. But that’s beside the point. Let’s say you’ve got about $50,000 put away because you want to give your child the best possible education when the time comes. You’ve chose not to deal with the credit card debt, because it would take away from the little nest egg you have. You can’t afford to both pay the debts down and give your kid a chance, so you make a choice.

So, once you are gone what happens to that debt if you do not have enough money to cover it all? Well, if you do not have enough assets to cover the debt, the creditors sort of lose out. That $50,000 isn’t going to cover that $100,000 you owe. At the same time, your kid kind of loses out to. That money is gone. Poof.

Not to worry, I am sure there are plenty of Government benefits they can take advantage of when school rolls around. They’ll just be in debt for the rest of their lives.


Debt After Death: How Does My Death Effect My Family?

Fortunately for you there is a bright side. And no, I am not talking about that bright light you may see once you die. I am talking about some good news for your family.  When you die, your family members do not become the beneficiaries of your debt. Meaning, your debt doesn’t get put under their name.

It’s important to keep in mind that things can get complicated and messy. Here’s an example. If your only asset is the home you and your family lived in, then that will be used to pay your creditors. It doesn’t matter if that’s Credit Card Debt or The Mortgage itself. Meaning your family must take over the mortgage, or they may even need to sell the home to pay off your debts. So just because the debt might not transfer over to them, doesn’t mean they won’t have to deal with it somehow.

If you have Co-signed on anything, then most likely the debt will be falling on the shoulders of the other signer. Properties where spouses share ownership, also handle debts acquired during a marriage. That’s kind of a terrible burden to put on anyone’s shoulders, especially your spouse’s.


Debt After Death: How to Protect Your Family

Is there any way you can make sure your family doesn’t have to deal with your mess? The best advice would be to make sure you aren’t in any debt. You can also try sticking to a budget while you are alive.  You may also want to consider life insurance and meeting with an estate planning attorney to make sure everything’s covered in the event of your death. That’s if you can even afford to do any of this stuff. Just keep in mind, good or bad, everything you do will affect your family in some way.


Death After Debt: Conclusion

Not planning for the worst now can really screw over the ones you love if something terrible were to happen to you. If you don’t have a will in place, the expenses to have these matters determined by the courts is outrageous. The administrative costs get paid before creditors and beneficiaries. Meaning even less for your loved ones. You really must ask yourself a very important question. If I died today, would my family be alright? If yes, then great. If your answer is no, then something needs to change.

Let us know in the comment sections below. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind.

Introduction to Immediate Annuities

Immediate Annuities

In an immediate annuity, the financial specialist begins getting installments promptly in the wake of making the speculation. This is for the speculator who needs a quick wage from his annuity. When you purchase an immediate annuity you can get installments for a specific time frame (generally five to a quarter century), installments for whatever remains of your life for you and/or your mate, or any mix of the two. You can even pick between a settled installment that does not shift or a variable installment that depends on market execution.


Are immediate annuity payments taxable?

On the off chance that you purchase the annuity with pretax cash, and then the whole adjust will be taxable. On the off chance that you use after-expense stores, in any case, then you’ll be saddled just on the income. In the event that your money out a conceded annuity in a single amount, then you’ll need to pay salary imposes on the greater part of the profit higher than your unique venture.


Reasons for buying immediate annuities:

An immediate annuity is an annuity that is obtained with a solitary single amount installment and in return, pays an ensured pay that begins very quickly. An immediate annuity is particularly reasonable for retirees who are worried about outlasting their funds.

A normal stream of wage: Immediate annuities are a decent source to gain a standard pay, particularly when one is not having a general wellspring of pay. Take for example resigned individuals. Choosing an immediate annuity will permit them to get a check of settled sum on a set date. This will likewise help them to arrange their costs.


Advantages of immediate annuities:

The advantage of avoidance proportion: Exclusion proportion alludes to that measure of annuity, which is not burdened as it is considered a reimbursement of the main sum. Consequently, just the intrigue is exhausted. In this way, immediate annuities draw in lower charges compared to other venture alternatives.

Assurance from lenders: Immediate annuities gives a pay, notwithstanding amid money related hardship. Many states in the US offer your prompt annuity, an assurance from the connection by leasers. Henceforth, prompt annuities can end up being a decent alternative when one gets to be distinctly bankrupt.

Better returns: At once, when financing costs are spiraling downwards and salary from other settled store roads are contracting; prompt annuities keep on offering alluring rates. For example, a report from the Los Angeles Times expresses that ‘the normal yield on tax-exempt currency advertise stores has tumbled to 1.87%, the most reduced level in seven years. On the other hand, prompt annuity presents ensured returns of 3% to 6%. Subsequently, many individuals are selecting immediate annuities to stop their assets.



Let us know in the comment sections below what your thought are, or if you have any questions about Immediate Annuities. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

Signature One Financial Review: Update

Signature One Financial Review: Update


In this Signature One Financial Review I want to talk about a Full Service Financial Firm that we have reported on in the past. Recently they have upped their game, amplifying their ability to make life easier for consumers across America. Just in case this is your first time tuning in, here’s a little about Signature One Financial in this Signature One Financial Review.

Signature One Financial is a nationwide full service financial firm located in Corona, CA. Signature One Financial takes pride in its approach to make the client’s needs first even when it means recommending a competitor to provide the financial service the client needs. Signature One Financial provides a wide array of financial services to its clients designed to meet their needs by tailoring the financial product around the individual rather than trying to sell a “one size fits all” financial product. Signature One Financial helps clients manage their debt and remove what may be the single biggest roadblock to financial freedom as well as design a retirement income plan utilizing tax advantage income strategies. So that’s a little background on Signature One Financial.


Signature One Financial Review: Transparency

Before I get into the details of what exactly Signature One Financial does in this Signature One Financial Review, I just want to talk about something that is incredible important. Signature One Financial has continued to cooperate and work with us, allowing us to conduct our extensive reviews. They have been completely transparent during the process of each Signature One Financial Reviews we have conducted. The level of transparency they give is not something we encounter all the time. Maybe only a handful of times this has happened with other companies. That’s why we continually give them 5 star ratings.


Signature One Financial Review: Services Provided

So now that we have covered the basic for those who many not be the most familiar with this company, we can now move onto more of the nitty gritty. The services provided by Signature One Financial.

So, what does being a full service financial firm mean? Well, it essentially means what you think it might means. They can pretty much help you with anything that is finance related. Do you have a massive amount of debt, and a need a solution? Signature One Financial can help you find one. Are you in the market for purchasing life insurance? Signature One Financial can help you. Are you beginning to thinking about your future, and where you should be putting your money? Signature One Financial have certified financial planners who have been working in the field for years. Here’s a list of some of the major services that Signature One Financial offers:

  • Debt Free Solutions
  • Emergency Savings
  • Health Insurance
  • Life Insurance
  • Medicare for Seniors
  • Retirement Planning
  • Fixed & Market Based Strategies
  • Personal Loans

One thing to note, all their business with insurance goes through Acquire Capital Insurance Services. A company that we believe to be trusted. Investment Advisory services are provided by Acquire Capital Management, Inc. 


Signature One Financial Review: Consumer Testimonials

Here’s a couple of consumer testimonials that confirms what we have been saying in this Signature One Financial Review.

“I got a personal unsecured loan from Signature One for 35k which i used to pay off my credit cards. My score was in the low 600’s i think bellow 630. my rate was 12% but I saved over 120 per month compared to my credit cards and my term was for 3 years. The Signature one agent said that was because their loan was simple interest not compound like my credit cards.”

“I have enrolled in this program through Signature One Financial with many doubts but so far, one out of my five credit card debts have been settled and the process was explained to me very thoroughly by my agent Chris Gaukler and everyone has been very understanding and patient. I’m hoping that everything will continue to go as smoothly as it has been and hopefully I will be debt free soon.”


Signature One Financial Review: Conclusions

In this Signature One Financial Review, The CFRB gives this Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

All in all, If you are looking for a company to help you out with some major financial decisions in your life, check out Signature One Financial.

Signature One Financial Review: Personal Loans

Signature One Financial Review: Personal Loans

In this Signature One Financial Review, we are going to do something a little different. We have talked about Signature Once Financial before. Signature One Financial is a company that is incredibly trustworthy. That’s why they are listed in our Resources page. Today, I would like to highlight a certain aspect of the Signature One Financial. We have talked about their debt resolution services in great depth. Now, I would like to take a gander over at the other half of this meat and potatoes kind of company in this Signature One Financial Review. I would like to talk about personal loans.


Signature One Financial Review: Loan Types

In this Signature One Financial Review, I’d like to talk about the different types of loans that Signature One Financial has to offer. Before I do that, I would like to clarify exactly what a personal loan is. Personal loans are known as “unsecured” debt because they are not backed by collateral, such as your home or car, as is the case with a mortgage or auto loan, respectively. Lenders will use your credit score to help determine whether to give you a personal loan and at what interest rate

So It’s not like they just give you a lump sum and let you decided what you want to do with it. Getting a personal loan doesn’t mean you receive money to go out and buy a new MacBook Pro. If you are reading this Signature One Financial Review, and that’s what you’re thinking, then you should just stop reading now. I suppose in theory, you could take out a loan at some pay day loan joint, no questions asked. Or through a Peer-to-Peer lending bank like Rise. The issue with those places is the terms they offer, and the rates they offer. You’ll end up paying way more in the end than you originally borrowed. Let’s take a look at the loan types Signature One Financial can help you out with.


Signature One Loan Types:

  • Debt Consolidation Loans 
  • Home Improvement Loans 
  • Short Term & Bridge Loans
  • Auto & Vehicle Loans
  • Small Business Loans
  • Baby & Adoption Loans
  • Engagement Ring Financing
  • Wedding Loans
  • Friends & Family Loans
  • Green Loans
  • Military Loans


If you’re new to the world of loans, you’re probably thinking while reading this Signature One Financial Review that some of these loans shouldn’t even be a available. Wedding loans and engagement ring financing? What do those two things have to do with Signature One Financial? Well, That’s just an example of the lengths Signature One Financial is willing to go just to help you. They’ve go their bases covered, and they are ready and able to help you through whatever life may throw your way.


Signature One Financial Review: Benefits of a Signature One Loan

What are the benefits of using the service that Signature One Financial has to offer? Well, you get everything you could every want when dealing your personal finances, and some perks that you’ll only find in the best companies around the country.

  • Easy Application
  • Fixed Loan Rates for the Life of the Loan
  • Loans are Unsecured with NO Collateral Required
  • Loans CAN be used for ANY Purpose (i.e. Medical Expenses,
  • Vacations, Moving, etc.)

    *Except Post-Secondary Educational Student Loans

  • No Balance Transfer Requirements
  • No Cash Advance Fees
  • No Early Payoff or Pre-Payment Penalties
  • Low, Fixed Monthly Payments
  • Control in Knowing Exactly What You Owe and When It Will Be paid Off

It isn’t too often that we come back and talk about a company this frequently. Signature One Financial is one of the companies that continues to comply with CFRB regulations, and remain transparent. They give us the freedom to properly do our reviews, so we can bring you the best possible content.


Signature One Financial Review: Conclusion

In this Signature One Financial Review, The CFRB gives this Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

Zephyr Real Estate Review: 5 Stars

Zephyr Real Estate Review

In this Zephyr Real Estate Review, we are talking about a company that has Ignited San Francisco’s entrepreneurial spirit. Zephyr Real Estate opened it’s doors in 1978. Zephyr Real Estate is built upon a strong foundation of exceptional client care. Zephyr Real Estate has become stronger as they preserve their level of integrity, personal attention, professionalism and dedicated service.

In this Zephyr Real Estate Review we found  that they have over 300 agents who generate over $2.3 billion in annual sales. Another thing we found in this Zephyr Real Estate Review is that they have six offices with their main office located in Marin County. Through our enduring efforts, we have found that Zephyr Real Estate has fostered a strong brand to become one of the top property sellers in San Francisco. One of the things we found in this Zephyr Real Estate Review is that Zephyr Real Estate has cultivated itself as a destination company for a wide cross-section of agents and staff, with various types of life experiences and skills that strengthen our collaborative environment. By striving to increase the quality of life for our staff and creating an atmosphere that our agents can flourish in.



When it comes to the services that Zephyr Real Estate offers, it’s pretty straight forward. They act as mediators between buyers and sellers. That’s pretty much everything that a regular real estate company does. It’s hard to rate a company that is based in the world of finance on their ingenuity and distinction from other companies. All you can really rate them on is their ability to perform properly as a mediator, and I guess you can determine whether or not they treated you nice, and whether or not you should take that into account when reviewing said company. Even if a company can offer some distinction, it may be something like what Zephyr offers. Which is tech based support, and perhaps some communication through places like Facebook and twitter. Zephyr buyer services include:

  • Technology. As Zephyr agents, we are tech-enabled, so you don’t have to be. Connecting with you is always personal. While we utilize the best-in-class technology to efficiently manage the buying process, you can focus on what matters to you.
  • Local Connections. The Bay Area has been our home since 1978, and we know it well. Whether you are a long-time resident or new to the area, we will be by your side providing up-to-the-minute information and proprietary market intelligence to help you close the best deal.
  • Personal Guidance. We pride ourselves in our cadre of superior agents and culture of collaboration. We will guide you through the home-buying process from reviewing documentation and proposing the best offer price, to closing the deal while empowering you to make smart decisions.
  • Inspection Assistance. When you want to take a closer look at a property, we will be by your side. We will provide you with a short-list of established inspectors, attend the inspections with you and offer skilled direction on moving forward.
  • Closing Assistance. Zephyr knows that the escrow process can be just as overwhelming as the beginning stages. We will support you through signing the closing papers and assist you in handling any last-minute details. We’ll even spring for coffee at the end of the signing.


Consumer Testimonials  

Here is a testimonial from Yelp we came across in this Zephyr Real Estate Review:

“Worked with Peter Goss and Joost Van de Water and found them to be highly seasoned, stellar agents, with a lot of integrity. Would recommend them without reservation and whole-heartedly. They work together as a business team (which was kind of like getting double the agent power), were highly available and receptive to and patient with our (many!) questions, had an excellent sense of property value and aesthetics (often enabling them to point out flaws in prospective properties that we would not otherwise have noticed) and were also masterful in dealing with transnational/financial details of bidding.  Most importantly, they seemed genuinely more concerned with getting us into something that matched our needs and values vs. a pressured sale.  They exude a sense of wanting to do things well and right by their clients.

While touring properties throughout our housing hunt, list agents at open houses would often say things like “oh, you’re in really good hands” when we’d mention our agents names.  And they were right.  Their excellent reputation is well-deserved.  Especially given the current heated marked, I really believe that working with them made all the difference for us. In short, we’re very happy with the outcome (which is that we are in a house that we’re thrilled with) but (less intuitive given current market challenges for buyers) we were also very happy with the process along the way, and attribute that to the high degree of professionalism and hard work that both Peter and Joust consistently show.”



In this Review of Zephyr Real Estate, The CFRB gives this Real Estate Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

Miracle Financial Services, Inc. Review: 3 Stars

In this review of Miracle Financial Services, we bring to you a company located here in California. Miracle Financial Services, Inc. is a locally owned and operated full-service mortgage broker based in central Indiana. With their company headquarters conveniently located at 7007 Graham Rd  Suite 102, Indianapolis, IN 46220 (near the intersection of 71st Street and Binford Boulevard), They proudly try to serve all 92 counties in the great state of Indiana. Trying to serve 92 counties is quite an ambitious effort for one company. It is an effort that must be commended. Most companies find sort of sweet spot where they have seen much success, and fear moving out of their comfort zone. For them, the possibility of greater glory is nothing compared to the crippling fear of losing it all. A fear that is understandable to some degree. Many companies have attempted to grasp the glory, and have fallen short of it. Though, if your desire is to find success in the world of business, you must be willing to take risks every once in a while. This is an understanding that Miracle Financial Services, Inc. seems to have. So far, it has seems to have payed off.

Miracle Financial Services, Inc. Review: Services Offered

In regards to the services that are offered, it’s all pretty straight forward. If I am being completely honest here, there’s nothing special about most of these companies. None of them offer any service that the other doesn’t. The only thing they really can differ in is perhaps their ability to offer the services. Maybe one will offer a deal of some sort that the others don’t. It’s all just a game of who’s better than who. That’s all business really is. If there was a company that offered a brand new service, then they would have no competitors. In Reviewing Miracle Financial Services, Inc., I found that they “specialize” in a number of different loan types. The first being FHA.The Federal Housing Administration, generally known as “FHA“, provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. The second being VA loans. A VA loan is a mortgage loan made available to veterans of the United States Armed Forces to facilitate the purchase of a home. A VA loan is issued by a traditional lender and backed, in part, by the US Department of Veterans Affairs. Along with these two, they can help you with conventional & non-conventional loans. They claim to even be able to assist you with commercial loans.

In reviewing, Miracle Financial Services, Inc., I found it remarkably difficult to find them online. Then once I did find their website, I thought I had reached a spam page of some kind. It was very all over the place and basic. Then I realized it was just a cover page for their website. That made it very confusing. Nobody really uses cover pages anymore. When they do use them, they make them look like they are actually part of the website. The website itself was sort of under par in my opinion. Lacking in much-needed information, and not easy to navigate. It just made me want to leave and go find a company that seemed more credible. Saying that is honestly sort of heart breaking. If you check the Better Business Bureau, this company is rated an A+. Credibility should be the last thing people are afraid of with this company. Something I always say, is that in order for you succeed in the world of today, you must have a strong web presence.


Miracle Financial Services, Inc. Review: Consumer Testimonial

In reviewing Miracle Financial Services, Inc., I was unable to find any positive reviews for some reason. So here are some negative reviews. One Consumer wrote, “I kept receiving calls from Miracle Financial asking for another person. They would call me at all hours of the day. I had just changed my number, so I am guessing whoever had my new number last was the person they were attempting to call. I called back for the first time about a month ago and also spoke to Wendell. He was very respectful, and although he asked me to provide information that I told him I simply would not give him, like my current address, he promised me that my number was removed from the system.Today, I received another call from Miracle Financial while at work. Upon returning their call for the second time, I was transferred to the same Lisa immediately without even saying a word. She was very condescending and rude right away. I told her I was not the person she was attempting to call and that I had called before and asked to have my number removed by Wendell. She argued that I had not in fact called. Why would I lie about calling? How would she even know if I had not talked to her?”


Miracle Financial Services, Inc. Review: Conclusion

I am sort of torn in my decision. Miracle Financial Services, Inc. seems to be a stand up company, but then I hear things about how people are treated, and I can’t find any positive feed back. I guess for now, I will say consider them, and don’t count them out. At the same time, remain vigilant. Keep your eyes peeled for things that they might not want you to see. Things that might come back to bite you in the behind. You won’t really get to know a company until you venture into its belly. The ads you see are not a good representation of the company itself. Ads just try to get you in door. In this review of Miracle Financial Services, Inc., the CFRB gives this company 3 stars. Check our resources page for a list of trusted companies, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies. Check our site for other  Financial Planning reviews. its great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there.