[Raybyrnes]

Nicole.
Couple things I pick up on. Student Loans at 3% must be federal stafford loans Hopefully they have been consolidated and are now fixed rate.. They have up to 6 years of deferment and forbearance. Why not utilize this option and take the saved payments and apply them to the 6.25 mortgage. Seems like that is an easy way of picking up 3.25 % without adding any risk. I would also think that if a CD were paying 6.25 % you would be all over it. You may want to rethink the percentage contribution to the retirement plan. Obviously take up to the company match but the rest you may want to start using it to pound down that mortgage. Remember , when the kids go to school they will have loans available to them.

JMTC

[Raybyrnes]

Nicole.
Couple things I pick up on. Student Loans at 3% must be federal stafford loans Hopefully they have been consolidated and are now fixed rate.. They have up to 6 years of deferment and forbearance. Why not utilize this option and take the saved payments and apply them to the 6.25 mortgage. Seems like that is an easy way of picking up 3.25 % without adding any risk. I would also think that if a CD were paying 6.25 % you would be all over it. You may want to rethink the percentage contribution to the retirement plan. Obviously take up to the company match but the rest you may want to start using it to pound down that mortgage. Remember , when the kids go to school they will have loans available to them.

JMTC

[Raybyrnes]

Nicole.
Couple things I pick up on. Student Loans at 3% must be federal stafford loans Hopefully they have been consolidated and are now fixed rate.. They have up to 6 years of deferment and forbearance. Why not utilize this option and take the saved payments and apply them to the 6.25 mortgage. Seems like that is an easy way of picking up 3.25 % without adding any risk. I would also think that if a CD were paying 6.25 % you would be all over it. You may want to rethink the percentage contribution to the retirement plan. Obviously take up to the company match but the rest you may want to start using it to pound down that mortgage. Remember , when the kids go to school they will have loans available to them.

JMTC

[Raybyrnes]

Nicole.
Couple things I pick up on. Student Loans at 3% must be federal stafford loans Hopefully they have been consolidated and are now fixed rate.. They have up to 6 years of deferment and forbearance. Why not utilize this option and take the saved payments and apply them to the 6.25 mortgage. Seems like that is an easy way of picking up 3.25 % without adding any risk. I would also think that if a CD were paying 6.25 % you would be all over it. You may want to rethink the percentage contribution to the retirement plan. Obviously take up to the company match but the rest you may want to start using it to pound down that mortgage. Remember , when the kids go to school they will have loans available to them.

JMTC

[Raybyrnes]

Nicole.
Couple things I pick up on. Student Loans at 3% must be federal stafford loans Hopefully they have been consolidated and are now fixed rate.. They have up to 6 years of deferment and forbearance. Why not utilize this option and take the saved payments and apply them to the 6.25 mortgage. Seems like that is an easy way of picking up 3.25 % without adding any risk. I would also think that if a CD were paying 6.25 % you would be all over it. You may want to rethink the percentage contribution to the retirement plan. Obviously take up to the company match but the rest you may want to start using it to pound down that mortgage. Remember , when the kids go to school they will have loans available to them.

JMTC

[Raybyrnes]

Not going to comment on advisors. Some are worth it many are not. Senior guys had to appease management to inherit their accounts or come from rich families. Younger guys trying to prove themselves need to follow the company line if they are going to inherit any accounts. If you have a million or more in assets, advisors are almost free. Anyone who owns a mutual fund is in may ways paying an advisor simply by the institution that holds their funds.

What’s funny to me is that my wife always talks about a diet yet the only time she loses weight is when she goes to weight watchers. You set a goal and have to pay until you get there but once you get there you only get charged when you go over your goal weight. Now this seems pretty simple. My message is always why not simply do that at home. It’s free. Put a cookie jar in the kitchen and bank the money away. Human nature simply does not work that way for everyone.
So in some ways that money spent (wasted in some people’s opinion) helps keep her focused on the goal.

[Raybyrnes]

Not going to comment on advisors. Some are worth it many are not. Senior guys had to appease management to inherit their accounts or come from rich families. Younger guys trying to prove themselves need to follow the company line if they are going to inherit any accounts. If you have a million or more in assets, advisors are almost free. Anyone who owns a mutual fund is in may ways paying an advisor simply by the institution that holds their funds.

What’s funny to me is that my wife always talks about a diet yet the only time she loses weight is when she goes to weight watchers. You set a goal and have to pay until you get there but once you get there you only get charged when you go over your goal weight. Now this seems pretty simple. My message is always why not simply do that at home. It’s free. Put a cookie jar in the kitchen and bank the money away. Human nature simply does not work that way for everyone.
So in some ways that money spent (wasted in some people’s opinion) helps keep her focused on the goal.

[Raybyrnes]

Not going to comment on advisors. Some are worth it many are not. Senior guys had to appease management to inherit their accounts or come from rich families. Younger guys trying to prove themselves need to follow the company line if they are going to inherit any accounts. If you have a million or more in assets, advisors are almost free. Anyone who owns a mutual fund is in may ways paying an advisor simply by the institution that holds their funds.

What’s funny to me is that my wife always talks about a diet yet the only time she loses weight is when she goes to weight watchers. You set a goal and have to pay until you get there but once you get there you only get charged when you go over your goal weight. Now this seems pretty simple. My message is always why not simply do that at home. It’s free. Put a cookie jar in the kitchen and bank the money away. Human nature simply does not work that way for everyone.
So in some ways that money spent (wasted in some people’s opinion) helps keep her focused on the goal.

[Raybyrnes]

Not going to comment on advisors. Some are worth it many are not. Senior guys had to appease management to inherit their accounts or come from rich families. Younger guys trying to prove themselves need to follow the company line if they are going to inherit any accounts. If you have a million or more in assets, advisors are almost free. Anyone who owns a mutual fund is in may ways paying an advisor simply by the institution that holds their funds.

What’s funny to me is that my wife always talks about a diet yet the only time she loses weight is when she goes to weight watchers. You set a goal and have to pay until you get there but once you get there you only get charged when you go over your goal weight. Now this seems pretty simple. My message is always why not simply do that at home. It’s free. Put a cookie jar in the kitchen and bank the money away. Human nature simply does not work that way for everyone.
So in some ways that money spent (wasted in some people’s opinion) helps keep her focused on the goal.

[Raybyrnes]

Not going to comment on advisors. Some are worth it many are not. Senior guys had to appease management to inherit their accounts or come from rich families. Younger guys trying to prove themselves need to follow the company line if they are going to inherit any accounts. If you have a million or more in assets, advisors are almost free. Anyone who owns a mutual fund is in may ways paying an advisor simply by the institution that holds their funds.

What’s funny to me is that my wife always talks about a diet yet the only time she loses weight is when she goes to weight watchers. You set a goal and have to pay until you get there but once you get there you only get charged when you go over your goal weight. Now this seems pretty simple. My message is always why not simply do that at home. It’s free. Put a cookie jar in the kitchen and bank the money away. Human nature simply does not work that way for everyone.
So in some ways that money spent (wasted in some people’s opinion) helps keep her focused on the goal.

[Raybyrnes]

Cabal
“My experience with Travelers so far has been great.”

Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?

Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?

[Raybyrnes]

Cabal
“My experience with Travelers so far has been great.”

Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?

Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?

[Raybyrnes]

Cabal
“My experience with Travelers so far has been great.”

Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?

Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?

[Raybyrnes]

Cabal
“My experience with Travelers so far has been great.”

Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?

Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?

[Raybyrnes]

Cabal
“My experience with Travelers so far has been great.”

Cabal I want you to qualify this statement for me. Have you had any claims with Travelers. Why is your experience with Travelers great?

Is it a that the coverage and service has been great or are you simply happy with the current premium vs the old premium and have your fingers crossed that service will be equal with both companies?

[Author]

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