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TigerOfNWLA
| Favorite team: | LSU  |
| Location: | |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 5 |
| Registered on: | 1/12/2009 |
| Online Status: |
Recent Posts
Message
re: Credit Card advice
Posted by TigerOfNWLA on 2/3/09 at 3:29 pm to TigerPhan27
TP27,
I recently closed a card (Card A) from a company that I had another card with (Card B). They offered to transfer the credit line from card A to card B before closing card A. This got rid of a card that had an annual fee, and should have little effect on my credit score. (I have a zero balance on both.) If you have two cards with the same company (after mergers and such), it may be an option.
I recently closed a card (Card A) from a company that I had another card with (Card B). They offered to transfer the credit line from card A to card B before closing card A. This got rid of a card that had an annual fee, and should have little effect on my credit score. (I have a zero balance on both.) If you have two cards with the same company (after mergers and such), it may be an option.
0
re: Convince me that paying extra on my mortgage is bad
Posted by TigerOfNWLA on 2/2/09 at 2:53 pm to WikiTiger
My two cents: Pay toward any smaller debts first. Eventually, your house will go up in value, but your car, credit cards, and student loans won't.
I agree with the greater flexibility that having cash on hand gives you, but something else to consider is your ability to save. Some people just can't look at a large number in their savings account. They start thinking about trips, cars, etc. If you are a disciplined saver, then you may want to keep more cash on hand in the near term, but ultimately I revert to my first point.
I agree with the greater flexibility that having cash on hand gives you, but something else to consider is your ability to save. Some people just can't look at a large number in their savings account. They start thinking about trips, cars, etc. If you are a disciplined saver, then you may want to keep more cash on hand in the near term, but ultimately I revert to my first point.
re: How much should a financial advisor charge?
Posted by TigerOfNWLA on 1/14/09 at 10:25 pm to Gdoy
Ameriprise
re: How much should a financial advisor charge?
Posted by TigerOfNWLA on 1/13/09 at 3:24 pm to LSU1018
Can anyone give me an amount of what their advisor charges?
How much should a financial advisor charge?
Posted by TigerOfNWLA on 1/13/09 at 2:55 pm
A little background... my wife and I do fairly well financially and we've used a financial advisor for a some years now. We have annual meetings where we go over everything and he has an open door policy (supposedly), but I really only see him that one time a year. He used to charge us $1000/year, but now it is $1500. To make matters worse, all that he does it stick our money in a few of his company's mutual funds (which of course have high fees). He advises against 529s or anything else his company doesn't sell.
Am I crazy for feeling like I am getting ripped off here or is this par for the course?
Am I crazy for feeling like I am getting ripped off here or is this par for the course?
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