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Best way to improve FICO score?

Through credit karma I have a 768 FICO score. Low credit utilization on 2 cards with an average age of 10 years each. All of my payments have been on-time and I have no derogatory marks. One thing that credit karma dings me for is the number of total accounts being low. I would like to open a no int...
by wootwoot
Fri Feb 01, 2013 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to improve FICO score?
Replies: 5
Views: 765

Re: Graduate Student Loans

I chose federal student loans over private loans for graduate school, even though they were more expensive, and I am glad I did it. We are undergoing profound changes in educational financing in this country, and it is extremely hard to predict what the "rules" will be even 2-3 years down...
by wootwoot
Fri Dec 14, 2012 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Re: Graduate Student Loans

I agree that stretching it out would be the best policy but the program does not allow that since it is an accelerated Masters. Anyways for those interested I was able to get a 5.75% rate through Wells Fargo, variable. Once I graduate the rate drops .25% and if I setup automatic payments another .2...
by wootwoot
Fri Dec 14, 2012 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Re: Graduate Student Loans

I agree that stretching it out would be the best policy but the program does not allow that since it is an accelerated Masters. Anyways for those interested I was able to get a 5.75% rate through Wells Fargo, variable. Once I graduate the rate drops .25% and if I setup automatic payments another .2...
by wootwoot
Fri Dec 14, 2012 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Re: Graduate Student Loans

I agree that stretching it out would be the best policy but the program does not allow that since it is an accelerated Masters. Anyways for those interested I was able to get a 5.75% rate through Wells Fargo, variable. Once I graduate the rate drops .25% and if I setup automatic payments another .25...
by wootwoot
Thu Dec 13, 2012 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Re: Graduate Student Loans

Rubiosa wrote:I hope I'm wrong, but this sounds like a "for profit" school. Is it? What is the name of the school?


The school is a state university and not a for profit school.
by wootwoot
Sun Dec 02, 2012 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Re: Graduate Student Loans

I'm going to begin a graduate program in January and wanted some advice on student loans. The program costs a total of 35k for tuition, books, graduation, etc. and is a 16 month program. My work will put in 5000 a year so I'm going to take advantage of that and I have around 5k saved up but most of...
by wootwoot
Sun Dec 02, 2012 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Re: Graduate Student Loans

The federal rate is 6.8% with a 2.5% origination fee. The private loan is as low as 4.20% variable and 7.13% fixed with no origination fees though I'm not sure where my credit rating will put me. With the discounts I get on these rates would both be dropped by .50% with another .25% drop after gradu...
by wootwoot
Thu Nov 29, 2012 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

Graduate Student Loans

Hello, I'm going to begin a graduate program in January and wanted some advice on student loans. The program costs a total of 35k for tuition, books, graduation, etc. and is a 16 month program. My work will put in 5000 a year so I'm going to take advantage of that and I have around 5k saved up but m...
by wootwoot
Thu Nov 29, 2012 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 2226

401k Fee Question

What do Sub-TA fees go to and what do 12b-1 fees go to? Is there any way to cut these out and what are high and low rates for these fees?
by wootwoot
Fri Sep 25, 2009 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Fee Question
Replies: 11
Views: 3906

How can we get a cheaper TPA? From the answers I have a hard time understanding why a computer could not do the job of this company.
by wootwoot
Thu Jul 09, 2009 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: NorthWestern Mutual 401k fee
Replies: 9
Views: 2448

NorthWestern Mutual 401k fee

We use NorthWestern Mutual to pick out different 401k plans that fit our budget. I am curious why my company uses them and what they provide. They tack on a .25% fee regardless of whether or not you make money and I fail to see how they help my company. Can someone shed some light on what their role...
by wootwoot
Wed Jul 08, 2009 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: NorthWestern Mutual 401k fee
Replies: 9
Views: 2448

My Northwestern Agent is great. he is licenend in multiple states and is very efficient with my time. I have always had NML policies and they are great. He always tells me you get what you pay for, but he and i are able to work outside our contract so he isn't working for the company he is working ...
by wootwoot
Sun Jul 05, 2009 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Experience with Northwestern Mutual?
Replies: 17
Views: 4531

To make a long story short I have learned that DWS is who we are going with. Can anyone tell me the good/bad about them? Unfortunately they are the only company I do not have a portfolio of funds for. Not their funds but the funds they will provide my plan.
by wootwoot
Sat May 30, 2009 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a 401k?
Replies: 16
Views: 1762

I can provide more details later but just so you know who is at the table the companies are as follows:

T Rowe
DWS
Principal Financial Group
American Funds
Diversified Investment Advisors
Fidelity
by wootwoot
Thu May 28, 2009 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a 401k?
Replies: 16
Views: 1762

How to pick a 401k?

I am on a committee to help pick a 401k plan. We currently have John Hancock and they are horrible. I have proposals from 7 different providers. The big thing we are looking for is low fees, choice of funds, and internet accessibility. Is there anything I should lookout for or any companies I should...
by wootwoot
Thu May 28, 2009 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: How to pick a 401k?
Replies: 16
Views: 1762

Hancock Fees

My company has John Hancock for a 401k (yes I know they are horrible) I am trying to find out how much I am paying in fees that are not expense ratios. My company has under 2 million in this plan. Any help on the extra fees would be great. One more question. Why would any company choose Hancock? The...
by wootwoot
Tue Jan 27, 2009 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: Hancock Fees
Replies: 2
Views: 755

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