Ohio Financial Advisor

I am graduating from law school, and, contrary to what everyone says, most lawyers don't make a lot of money. I have about $150,000 in student loans, and they are all over the place. Some are subsidized government loans with low, fixed interest rates. Some are private loans with high variable rates. I need to figure out which loans should be consolidated, how to get low monthly payments, and when I should start saving.

My question is: which financial advisers are the best for helping to get out of debt? Is there anyone who specializes in student loans?

Answers relevant to Cleveland, Ohio would be nice, but not necessary if it's a big, national firm.

Most financial advisors specialize in growing your assets and planning how much you need to invest to reach certain goals. It sounds like you need advice on debt management and budgeting.

Check out some articles on CNN Money's website, personal finance. There are articles under "Money 101" that give you good advice on money management. Because you have debt instead of assets, a financial advisor would charge you roughly $2,500 per year to give you advice that you can figure out yourself.

Also, feel free to ask questions on this site. There are plenty of advisors like myself that will answer quick questions for you for free.

2007-05-09 15:49:53 by SB

Ohio invest in Annuities. Dave Interviews Joe Simonds about the world of Fixed Index Annuities. Dave explains the advantage Ohio investors have ...

Am I allowed to cancel my pell grant? I know that it is free money, but my question is am I allowed to cancel it? The reason I ask is because I live in VA, and am planning to go to Ohio for school. I want to possibly keep my pell grant in my school in VA but put my loans to the school in OH... take some online classes for the school in VA. I have got my award letter and can see it online at the school in Ohio. I canceled my aid at the school in VA because I didn't know if I could have it at 2 schools? I already sent a letter to my financial aid office in Ohio to cancel the pell grant and to get the max in sub and unsub loans, but that was just yesterday and they haven't possibly received it yet. The other reason why I wanted to refuse the grants is because I lost all of my tax info and if they want to see it I am not able to give it to them... I am worried that they might ask for it in the middle of the year after I have already taken the money and I won't be able to show it to them and they will demand the money back! Can someone please give me advice???

I work in student services at a community college. First off, if the did need tax verification it would be at the time the Pell grant was offered and would have showed up somewhere in an email. It normally does not happen in the middle of the semester because it has already been used for the classes so they couldn't take it back. You can cancel the Pell grant, you would most likely need to fill out a form for the college called a Reinstatement Request and Change form. After this has been turned in, it will take 3-5 business days to cancel it. Now, if your classes have already begun and been paid for you cannot cancel it for this semester, but for next semester you can. You shouldn't be worried though, because if you are chosen for verification for the whole entire 2009-2010 year you would have already been notified, so there really is no need to cancel it. Normally if you have financial aid and are going to two school you just need to inform one school of the other and they will work out a way to deduct it from the grant and loans.

2009-09-16 04:27:04 by Summers almost gone

Price: $18.95

I was wondering if anyone knew the possible base salary, less commission, that Northwestern Mutual might offer me during the first year? It will be in the Cincinnati, Ohio region

You might be looking at a first year salary of 30-40k (that may be higher or lower, depending on the cost of living in the Cincinnati area). As with many financial services firms, I would expect your pay to start shifting completing to a commission-based set-up in your second year, as you get more comfortable with the role and gain more clients.

For more specific numbers on salaries, these two websites might help:

www.glassdoor.com

www.vault.com

Hope this helps!

2009-11-18 11:22:23 by joshua_m_carpenter

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Well I live in Toledo Ohio and apparently even though I have a 4 year degree, graduated with high honors, it doesn't matter. Was school a total waste of money. I am going to end up back at target at this rate. I have my social work degree and lisence and have only had one contract job. I have been searching for months and am considering one of those "financial advisor" or insurance sales positions where I can at least set my own hours but I can't figure out which ones if any are legit.
I can't relocate my husband has a pretty good job I just want a decent part time income
somone said I need to change my attitued about a job.... maybe there is not enough info here I went to the college for jobs and help with my resume then I went to my boss and a few other people to help me get my resume right. My availabiltiy is seven days a week and the only time I am not available is between 6pm and 10pm. I will work an overnight shift I am not picky I just want those hours with my husband who works third shift.
I want a social work job just about any but I am also willing to work somewhere else so long as it is part time and not minium wage

You don't indicate if you graduated with you BSW in the Toledo area. If so this is where I would start. I would take your field instructor out for lunch and see if s/he has any recommendations, have they heard of any openings, etc. Use your networking skills. Similarly make contact with some of your professors and other students from your class (especially those who left the area but might still have contacts).

Secondly you may need to upgrade your degree to an MSW. Probably not what you want to hear, but with so many BSW programs in the midwest (25 just in OH - and if go to the surrounding states you will go well over 100). It may be that toledo is now at a place where they are able to get MSW's for entry level jobs (check this out with your social work dept and the college placement center).

Finally - persistence is always necessary in a job market that is very tight - use all your resources (newspapers, online sources - monster, etc, college placement center, family, friends, etc.) Also take your resume to someone who can help evaluate how you are putting yourself out there. If your market is crowded and they are getting 100+ resumes for a position you need to stand out. DA

2007-05-25 09:25:33 by Carrie S

It is located in Cleveland, Ohio and the main women are the director named Susan Scott, her assistant Victoria, and the financial advisor who hounds you, Diane. They tell you you're really talented and then take your money if you're not happy with their services. I'm filing against them and was wondering if anybody has stories I can share to support my case?

YES! My sister has been scammed by them. They called her in March when she signed up to have a rep call her. The woman I think her name was marilyn told my sister all these lies about how she could get her alot of jobs but she had to spend $500 for her comp cards with a photographer who comes to the agency to take pictures. The pictures could have been taken at JcPenny cause that's what they looked like. Not professional as all! They had their own makeup artists who made those girls look like clowns. And if my sister had known that she was taking her pitures with a bunch of other girls she would not have done it. They were rushing her and using that nasty makeup on her face. The agent didn't even talk to her before the photo shoot or after the photo shoot. And I looked them up on BBB they have an unsatifactory record. They said her picture would be on their website for a year but nothing yet and she has not seen what her comp cards look like either. This is one of the questions I asked on yahoo answers:

If your with a Modeling Agency and haven't heard anything from them in 4 months what does that mean?
Its an agency in ohio called stone model and talent agency. My sister went there and took photos in July for her comp cards. And she has not heard a word from them since. They didn't call or give her an update or anything and she spent $500 dollars for the pictures. What kind of agency is this or is this what modeling agencies do? My sister told me the agent there thought she was beautiful and stunning and she told my sister she would be able to get her alot of jobs. I just feel so sad for her cause I know she can be a model she just wanted to start close to home to test it out but now I'm thinking she should try places out of Ohio like New York or Chicago

2008-10-26 18:04:54 by kblawyer