I had another piece published in www.LDSLiving.com 's magazine. Sweet! Here's the URL:
http://www.ldsliving.com/magazine/show/2085/Safer-Investing-Tools
Loads of great information about the better investing tools out there. Check it out... share with friends... and remember to eat your veggies.
Yes, I am still writing.
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Hi folks! Thanks for stopping by-- and thanks to so many of you for letting
me know that you want me to keep at it with *Servant of the King.* I am
enjoyin...
1 day ago
7 comments:
I hate to say this but universal life insurance is the biggest piece of crock there is out there. I wish you weren't telling people about this crap. Buy term and invest the difference is the best way to go with life insurance.
Hey, thanks for your comment, Anonymous. Feel free to identify yourself next time. I don't know that it's fair to call universal life "the biggest piece of crock." It's certainly not for me, nor is it for everyone.
However, it is a nice option for plenty of people out there.
Please understand that my intention with this last article was to provide people with as much information as I thought would be able to help. Hopefully, people will choose agents carefully and will then be sure to understand what they're getting into.
Universal life is certainly complicated, which is why I think too many agents take advantage and just skim over the surface of the policy. I wish they would take the time to inform clients better.
Again, thanks for stopping by!
Hey Jared,
I just read your article at LDS Living about asking credit card companies for lower interest rates. I have read elsewhere that now is NOT the time to ask for lower rates as companies are slashing credit limits for even long standing customers -- sometimes lower than the current balance carried on the card. Calling to ask for a lower rate gives the companies a reason to look at your current information and reevaluate your credit line, sometime initiating a sequence of events that can be financially devastating (over-limit fees, higher debt utilization ratios, etc.) Clearly interest rates are low now, but qualifying for credit is more difficult than ever. Several experts recommend leaving well enough alone for the time being until our economy rebounds a bit. What are your thoughts?
Thanks, Betsy
Hi Betsy,
You're right on-- folks need to take care to not get themselves into trouble with their creditors. I think the timing of this piece is somewhat poor, but I unfortunately don't control LDS Living's publishing schedule.
But if your history with a certain creditor is good and you still have a high interest rate, it might still work out to lower your rate.
Best is to simply never carry a balance if you can avoid it.
Thanks for reading!
Well, I'm a heel. I really could have put that previous comment better. I actually think LDS Living is doing a good job. If I had written a better article, I would have mentioned that timing is an important consideration when it comes to negotiating credit card rates with your creditors.
Instead, I slapped out a flippant comment.
Sorry LDS Living! And sorry readers.
great ...........................................................
憂能傷身，保重哦！ ....................................................
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