6 months ago
Monday, April 28, 2008
I am unhelpable...
I don't think that is a word but oh well english majors. I met with a financial planner today and he told me that my financial goals were too specific and that he really couldn't be much help to me. I guess that is better than him trying to sell me a bunch of crap that I don't need, but I still felt a little hurt :-( I don't really feel like I am having a very good day today....I think that I am just tired but I know I don't want to be at work and I am having a hard time focusing even though I really need to because my office time this week has been cut in half. I found out late on Friday that I am going to FL tomorrow afternoon until Wednesday afternoon and then coming back here for the night and heading to Albany, NY for Thursday and Friday and then OH and Niagara Falls this weekend and then back to Albany next week...yikes. At least I will get lots of skymiles! The stuff that I am doing right now at work is not too exciting either so that makes it even harder to concentrate! Hope everyone else is having a better day!
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6 comments:
I kinda thought that would happen. A lot of financial people know squat about real estate investing and vice versa. Keep trying....maybe you'll find a more well rounded planner.
Yeah...I am a little frustrated now and scared to waste time talking to another one...guess I will wait until my schedule slows down a little..I could have run errands today instead. The thing is that he didn't offer any suggestions...I didn't even go into the detail with him that I did the other night with you adn Adam and he still said no...I am just having a bad day! The fedex girl was mean to me too!
I can't stand fedex. Go brown! Could that guy just not be very good? or intimidated that you know more then him? or did he think that maybe they were not "too specific" but "too unrealistic"? Have no idea what your goals are and you seem to always have a pretty good idea what you want and can do, just throwing out some ideas.
Well, he asked what my goals were and I said that I wanted to keep some of the money sort of liquid so I could use it to help with a downpayment if I moved to OH and he said that I would need the money too soon and didn't have enough that I was willing to "play" with that could go up and down...I think that he didn't really understand that much about me and my only goal was to get the money that I have in my savings to something that makes a little more of a return then my savings account...he didn't even recommend money market funds....I think that I am just frustrated in general today and it is just making me more sensitive....maybe he misunderstood what I was saying and the things he did mention were not practical for me really....and didn't have anything to do with what I need now...I already have a 401k and disability insurance stuff...I have two more names from Drena so I will try them...maybe I just am not the ideal candidate right now...it is not like they can save me from debt or teach me what a 401k is or something, you know.
you don't already have a money market? what about a short term cd? you can usually get a slightly higher rate then a money market as long as you promise not to touch it - even for like 6 months, but I think they have like 30 day etc also. although I don't think the rate would be any better then the money market. A big factor is how much you have liquid right now. It always seemed like the magic number was 10k and then you really hit much better %. Also look around at some different banks, credit unions, etc alot will give new customers a little bump on the rate for at least 90 days. You can always move the money around and they will look for your checking acct too, but be very happy with a money market or cd. just a thought.
I have a CD, just no money market cause it is all in ING and that was getting really high interest so I figured I would leave it there but now that interest rates are dropping ...I will have to shop around for a good money market...I think that I can do it with my one brokerage account too, I will have to check the rate....the last time I checked none of them were better than my ING one but now I will have to see if they are...this was sort of what I was hoping someone could help me figure out but I guess no one really does that kind of thing...oh well, I can figure it out with a little research.
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