[Raybyrnes]

If you are not locking the rate in that day what does it mater what they quote you. It going to have changed by the time you find a house and close. A better question might be to find out what the par rate of a loan is and what their mark up is form there. That might give you a better apples to apples comparison.

[Raybyrnes]

If you are not locking the rate in that day what does it mater what they quote you. It going to have changed by the time you find a house and close. A better question might be to find out what the par rate of a loan is and what their mark up is form there. That might give you a better apples to apples comparison.

[Raybyrnes]

If you are not locking the rate in that day what does it mater what they quote you. It going to have changed by the time you find a house and close. A better question might be to find out what the par rate of a loan is and what their mark up is form there. That might give you a better apples to apples comparison.

[Raybyrnes]

If you are not locking the rate in that day what does it mater what they quote you. It going to have changed by the time you find a house and close. A better question might be to find out what the par rate of a loan is and what their mark up is form there. That might give you a better apples to apples comparison.

[Raybyrnes]

If you are not locking the rate in that day what does it mater what they quote you. It going to have changed by the time you find a house and close. A better question might be to find out what the par rate of a loan is and what their mark up is form there. That might give you a better apples to apples comparison.

[Raybyrnes]

Education costs did not go up because of loose Home equity. It actually started long before that with Congress Stepping into the Fray with the Higher Education Act. This basically set in place the securitization of Student Loan by the Quasi govenmental Sallie Mae.(Sallie Mae later went public). This is what drove interest rates dow and college costs up.

With respect to the cost of Education. I don’t think the cost of education is overly exaggerated. I would advise any parent that whatever the cost of Tuition is to essentially double it. Once doubling you can start to back out costs form there/ Lap tops are now a necessity. If they already have one minus it out. If they have a Queen bed and live in a dorm they are going to need sheets bed spreads etc. They may need to have a phone in the room. They will split these costs with other roommates but it is surprising how these incidentals add up at least in year one. By year 2 costs should go down. They know people so it is easy to get text books. They know people so it is easier to get a better on campus job etc.

[Raybyrnes]

Education costs did not go up because of loose Home equity. It actually started long before that with Congress Stepping into the Fray with the Higher Education Act. This basically set in place the securitization of Student Loan by the Quasi govenmental Sallie Mae.(Sallie Mae later went public). This is what drove interest rates dow and college costs up.

With respect to the cost of Education. I don’t think the cost of education is overly exaggerated. I would advise any parent that whatever the cost of Tuition is to essentially double it. Once doubling you can start to back out costs form there/ Lap tops are now a necessity. If they already have one minus it out. If they have a Queen bed and live in a dorm they are going to need sheets bed spreads etc. They may need to have a phone in the room. They will split these costs with other roommates but it is surprising how these incidentals add up at least in year one. By year 2 costs should go down. They know people so it is easy to get text books. They know people so it is easier to get a better on campus job etc.

[Raybyrnes]

Education costs did not go up because of loose Home equity. It actually started long before that with Congress Stepping into the Fray with the Higher Education Act. This basically set in place the securitization of Student Loan by the Quasi govenmental Sallie Mae.(Sallie Mae later went public). This is what drove interest rates dow and college costs up.

With respect to the cost of Education. I don’t think the cost of education is overly exaggerated. I would advise any parent that whatever the cost of Tuition is to essentially double it. Once doubling you can start to back out costs form there/ Lap tops are now a necessity. If they already have one minus it out. If they have a Queen bed and live in a dorm they are going to need sheets bed spreads etc. They may need to have a phone in the room. They will split these costs with other roommates but it is surprising how these incidentals add up at least in year one. By year 2 costs should go down. They know people so it is easy to get text books. They know people so it is easier to get a better on campus job etc.

[Raybyrnes]

Education costs did not go up because of loose Home equity. It actually started long before that with Congress Stepping into the Fray with the Higher Education Act. This basically set in place the securitization of Student Loan by the Quasi govenmental Sallie Mae.(Sallie Mae later went public). This is what drove interest rates dow and college costs up.

With respect to the cost of Education. I don’t think the cost of education is overly exaggerated. I would advise any parent that whatever the cost of Tuition is to essentially double it. Once doubling you can start to back out costs form there/ Lap tops are now a necessity. If they already have one minus it out. If they have a Queen bed and live in a dorm they are going to need sheets bed spreads etc. They may need to have a phone in the room. They will split these costs with other roommates but it is surprising how these incidentals add up at least in year one. By year 2 costs should go down. They know people so it is easy to get text books. They know people so it is easier to get a better on campus job etc.

[Raybyrnes]

Education costs did not go up because of loose Home equity. It actually started long before that with Congress Stepping into the Fray with the Higher Education Act. This basically set in place the securitization of Student Loan by the Quasi govenmental Sallie Mae.(Sallie Mae later went public). This is what drove interest rates dow and college costs up.

With respect to the cost of Education. I don’t think the cost of education is overly exaggerated. I would advise any parent that whatever the cost of Tuition is to essentially double it. Once doubling you can start to back out costs form there/ Lap tops are now a necessity. If they already have one minus it out. If they have a Queen bed and live in a dorm they are going to need sheets bed spreads etc. They may need to have a phone in the room. They will split these costs with other roommates but it is surprising how these incidentals add up at least in year one. By year 2 costs should go down. They know people so it is easy to get text books. They know people so it is easier to get a better on campus job etc.

[Raybyrnes]

When do financial Planners make sense?

I think they start to become cost effective when you have significant wealth. At that point they provide CPA’s for tax services, lawyers for estate planning and setting up trusts, business continuity planning, buy sell agreement, Charitable reminder trusts etc. So we can bag on FP for many things for moderate wealth but at a very high level they actually start to become extremely cost effective.

[Raybyrnes]

When do financial Planners make sense?

I think they start to become cost effective when you have significant wealth. At that point they provide CPA’s for tax services, lawyers for estate planning and setting up trusts, business continuity planning, buy sell agreement, Charitable reminder trusts etc. So we can bag on FP for many things for moderate wealth but at a very high level they actually start to become extremely cost effective.

[Raybyrnes]

When do financial Planners make sense?

I think they start to become cost effective when you have significant wealth. At that point they provide CPA’s for tax services, lawyers for estate planning and setting up trusts, business continuity planning, buy sell agreement, Charitable reminder trusts etc. So we can bag on FP for many things for moderate wealth but at a very high level they actually start to become extremely cost effective.

[Raybyrnes]

When do financial Planners make sense?

I think they start to become cost effective when you have significant wealth. At that point they provide CPA’s for tax services, lawyers for estate planning and setting up trusts, business continuity planning, buy sell agreement, Charitable reminder trusts etc. So we can bag on FP for many things for moderate wealth but at a very high level they actually start to become extremely cost effective.

[Raybyrnes]

When do financial Planners make sense?

I think they start to become cost effective when you have significant wealth. At that point they provide CPA’s for tax services, lawyers for estate planning and setting up trusts, business continuity planning, buy sell agreement, Charitable reminder trusts etc. So we can bag on FP for many things for moderate wealth but at a very high level they actually start to become extremely cost effective.

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