How do I find a financial advisor in my area? Should I stay away from financial folks associated with brokerage firms?

I really enjoy listening to your show and your creative methods to get people out of debt, I was there once and I know what it was like to be deep and debt and then debt free, and your right it’s starts with the decision to “get debt free”

I’m asking your advice on another matter. Recently I had a lapse in my homeowners insurance because my loan originator sold our lone a company that didn’t escrow our insurance, we didn’t find out until our insurance company alerted us that the mortgage company wasn’t paying the bill. We contacted the mortgage company and they confirmed that they weren’t escrowing the insurance and we had a policy within the next two days.

In the interem they saw fit to suppy us with homeowners insurance, ok I can understand this. What I don’t understand and what I’m asking your advice is. Is there some sort of fair business practice that says in a case like this they should provide some sort of fair market value insurance???? They bought a policy for 10,000+ a year, that was cancelled when they were supplied with proof of new insurance. So I had their new policy for about two days. That two days is now costing me 800.00 which, guess what, they say they will escrow!! The average policy for us here in Houston is between 1,500 and 3,000 a year for like coverages depending on the company.

Any suggestions before I switch mortgage companies to one with a lower rate? To me this seems like a very unfair business practice, my opinion is that this wasn’t necessary, I’ve never been late on my mortgage payment, not one day, and I don’t understand why they would risk the interest they would collect on this loan, given that I would have probably stayed with them until I retired or died, which at age 49, hopefully will be a while.

Any feedback? I can call in tomorrow morning.

Thanks for any advice
Dale

Quick question. I am 49. Debt free except for $280K 15 year mortgage at 3.125% and have 50K in cash. I max out my 401k at work and have a 150K Annuity with MetLife.

Given the potential economic cliff and other issues in US, what should I do with the 50K?

Do you recommend buying Gold?
If so, through who?

Thanks, John

I really enjoy your show. I have only been listening for a short time. I am trying to get your whole plan by listening to your show. Do you have a website that I can visit?

Thanks,

Matt

My husband and I started your program in 2009, the year we married. Here is what we accomplished in the past 2.5 years of our marriage: We paid off his Honda CR-V, we paid off two of his credit cards, and we consolidated my student loan payment amount to only $150 a month. My husband has one credit card which he uses for Business traveling, which he is reimburse after each trip. We’re on a envelope system too. Our savings is rebuilding after we used a good portion of it to pay for my appendix surgery last Jan 2011. As of May 2012 we’ll be done paying my medical bills from last year, and as of May 2013 we’ll be paid off on a loan my husband had before we married. We’ll be debt free by May 2013, with only his credit card and my low student loan payment. Because of your program assisting us in helping being financially responsible we will be able to start trying for our first baby Feb. 2013. We’re so happy to have taken your course “Financial Peace University”. I listen to your show every other Tuesday, and love it! Because we got ourselves set up on a responsible budget plan, we will be of very few couples who will be entering parenthood debt free. Thanks to you, we’ll be able to truly care for our future baby without having to truly stress of debts, etc.
Thank you for all you do and all you have given us.
May God continue to bless you,
Erin A. Seago