I need an advisor
Yesterday Brad and I met with a financial advisor. I’ve always been pretty frugal with money, but I felt like I needed to make sure I was on the right track. I wanted to know if there was anything else I should be doing, financially, at this point in my life. Besides making a hell of a lot more money than I am right now.
The financial advisor was very nice, but he basically told us he couldn’t help us. Not because we’re a hopeless case but because we’re doing all we should be doing right now. Essentially. He helps his clients with six different areas, and at this point in our lives, we only need help with one of those. He said he’d be ripping us off if we “hired” him to help us. So basically he sat with us for just over an hour and told us to listen carefully because we were about to get a lot of free advice. We listened carefully and asked questions, and he said we could keep in touch if we had any more. And that was it.
While I’m glad he was honest enough not to rip us off, I have to admit I was a little disappointed. Honestly, what I want is for someone to walk me through everything. Hold my hand and tell me what to do. Don’t say “Maybe you want to open another savings account or perhaps a money market account,” but instead tell me “Go to your bank, open a money market account, put $100 a month in it.” Specific directions, that’s what I was hoping for.
One of the things that prompted me to talk to him was that I need to buy a new car. I’ve driven used cars for ten years, and if you’ve been reading for the last few months you know my current used car has been frequently rebelling. It’s time to get something reliable. Only first I need to find an extra few hundred dollars in my monthly “budget” to pay for it. When I mentioned this to the financial advisor, he asked if I had considered leasing.
Why no, I haven’t. Everyone I know buys and has always told me that’s the way to go. But so far what I’ve read about leasing and what I heard from this guy sounds pretty good to me. The mileage limitations kind of suck, but it’s not like I’m planning a cross-country road trip. And other than that, I can’t find any other catches. Obviously I’m missing something. Gotta be, right?
I’m not good at making these kinds of decisions alone. That’s why I need help. Not someone to make the decision for me, but lots of people to give me lots of input. Please, even if you don’t normally comment, I really need advice and suggestions. Horror stories of your leasing (or buying) experiences. This is not another desperate attempt to reveal my readership, I’m so over that right now. But part of the reason people blog is to connect with so many more people than you do in your ‘real’ life. That’s what I need now.
Please, help me figure out the age old question: buy or lease?
Oh they’re probably much more than I want to spend, I thought. Wait, they’re only $27.99, I can afford that!
On any other day I might not be so forgiving, but today, today I got a surprise day off and therefore, I’m pretty much willing to forgive anyone for any transgressions. Talk about me behind my back? Forgiven. Steal my ideas and present them as your own? Whatev. Cheat on me with a smokin’ hot girl? I’ll cut your man parts off and throw them out the window. (I know that would never happen.)
The kind that comes in as innocent wet rain and leaves everything frozen in a layer of ice. Monday morning I had to go into work because the roads weren’t bad, as long as you could agiley navigate around the fallen trees and downed power lines. I got there safely, only to find that the entire campus had lost power 30 minutes earlier. They decided to continue with the scheduled in-service while we all sat in a dark cafeteria staring at a slideshow powered by a generator. Finally at 11:30 they sent us home to sleep, relax, and slide around on the ice. Which makes me a very happy person.
Of course, it’s easy for me to enjoy all this from the warmth of my brightly lit apartment, while I heat up some oatmeal in the microwave, watch Judging Amy and fire up my computer. Apparently over 20,000 people were without power last night and still are today, including most of Brad’s family. Also including the college where I’m employed. Which is why, when I turned on the tv this morning at 7am, I realized with great satisfaction, that I got to crawl back into bed and sleep until all the ice had melted. Or at least until 10:30.
One day I’ll go into all the many reasons I hate winters here, but for now, suffice it to say, I was thrilled with the unseasonal weather we had all through November and December. Loved the lack of snow, the warmer temperatures, the singing birds. And I dreaded the day that real winter would rear its ugly head and fall upon our happily warm world. Now that it’s here, I’m definitely not thrilled knowing that it won’t leave again until March, but at least for this one day, this day that I’m sitting at home in my pajamas instead of at a desk in scratchy work clothes, I have to admit: I really love it!
Well looky here, it seems to be National De-lurking Week. Ah ha, an idea! Maybe I could just steal this here graphic… yep got it. Okay now if I just place it on my own blog, there we go, now I can officially ask people to step up and stop lurking. Genius, thanks for the idea Jen!