Don't Read This By Suze

Ole Suze is certainly annoying but sometimes has good advice.  It's just getting past her that is the hard part.  So if you want to see the advice go here http://finance.yahoo.com/columnist/article/moneymatters/11727.  But this article doesn't seem to be aimed at her target market of young people.

I'll try to summarize and then let you know why you don't need to read the article.

The article is titled The Five Signs of Bad Financial Advice.

Here's why you don't need to spend much time on it.

1. You own a mutual fund with the letter "B" in its name.  Vanguard and Fidelity and T. Rowe Price don't have, I don't think, A or B or Z funds.  So if you stick with those guys you don't have to worry about it.  A and B funds are usually marketed by big firms like Merrill Lynch, UBS and others who charge a lot.  You don't have to worry about them because you don't have enough money to interest them at this point.  They'll come smelling around later.

2. You pay the advisor through commissions rather than a flat rate.  Remember you are with Fidelity or Vanguard and they don't have commissioned 'advisors' so you don't pay commissions.

3. Your life insurance is a cash-value policy.  Jeez, Suze, c'mon.  Unless you married at 18 and have twelve kids and a stay at home wife/husband YOU DO NOT NEED LIFE INSURANCE.  Who do you have to take care of if you get hit by a bus?  If no one, don't even think about it.  If you get some at work, view it as a worthless benefit that you will swap for anything else.

4. You own a variable annuity inside of an IRA.  The only thing stupider than owning an annuity inside an IRA is owning an annuity.  You are way too young to worry about an annuity.

5. You're saving for your kid's college education rather than for your retirement.  I told you not to read this article.  Worry about having kids first and then worry about their education.

So what should a young person do to avoid bad financial advice?  Find good financial advice.  But how?  Easy.  Look around the office and find somebody that is 3-5 years older than you that looks successful.  Observe them for a week.  I said observe, not stalk.

Don't go for the guy with the brand new Porsche because he is up to his eyeballs in debt or inherited a bunch of money.  That is not you.  Find the person that dresses well, drives a nice but not new car, seems to handle cash and money well.  Go for coffee, tell them you are just starting out financially, ask them what they do and then DO WHAT THEY DO.  If you have any questions, send them to me.

I told you finance was easy. 

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Wow! Sorry Bill, you gotta a lot of spam, dude. I agree on the life insurance. If you're young, you don't need it. I happen to like Suze Orman. She can be a little annoying but she gets her message across to a lot of people, especially women and that's a good things. If she can lead women to take better charge of their money, I'm all for it.

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www.leads4insurance.com

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