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The Christian Broadcasting Network * [1]The 700 Club * [2]CBN News * [3]Superbook * [4]Ministries * [5]Prayer * [6]Give Explore * [7]Personal Finance * [8]Career * [9]Finance News * [10]Finance Calculators * [11]Planned Giving Activities * [12]Save For College * [13]Retirement Planner * [14]Finances by the Book Course CBN TV * [15]The 700 Club - Money Mondays [INLINE] More on Dave Ramsey [16]More Dave Ramsey articles You can see all of Dave's columns at [17]www.davesays.org [18]Personal Finance dave SAYS Advice on Pre-Paid Legal [19]By Dave Ramsey Author, The Total Money Makeover [20]CBN.com – These days it pays to be smart about money. That's why it's important to take this wise counsel from financial expert Dave Ramsey. Do I need pre-paid legal? Dear Dave, Do you have an opinion on whether or not pre-paid legal is a product worth purchasing? - Anika Dear Anika, I'm not mad about pre-paid legal. But a lot of folks who recommend and advocate it don't like me very much, because I tell people it's a bad idea. Here's why: Pre-paid legal will cost you about $300 a year. If you take $300 a year, and multiply that out over 10 years, you're looking at $3,000. The truth is that the average American consumer doesn't spend $3,000 on legal bills in this amount of time. Lots of people will tell you that you miss out on tons of opportunities by not having a lawyer ready to jump into things. That's a bunch of garbage! Once in a great while you may need the services of an attorney, but think about this: If the average person spent $3,000 or more over the course of 10 years on legal bills, while pre-paid legal took $3,000 from each of these people, pre-paid legal would go broke, wouldn't it? They'd be handing out more in legal services than they receive in fees! On average, you'll come out better if you self-insure by having a good [21]emergency fund in place. That way, you'll have the money to pay for legal services should the need arise. And part of the reason you'll have the money in place is because you didn't give it to someone else--like pre-paid legal! - Dave Obtaining the deed Dear Dave, We live in Missouri, and we just paid off our mortgage in July. Do we have to contact the mortgage company to get the deed? - Karen Dear Karen, It can vary depending on where you live, but I believe Missouri is a Deed of Trust and note state. The deed of trust is the lien against your house, and [22]the mortgage company is supposed to file a release at the courthouse for that Deed of Trust. Next, they should send you a copy, but it's not unusual for things like this to take three or four months. They'll also send you the original note you signed at closing. This should have "paid in full" stamped or written across it in big, bold letters. That note becomes your property. If they didn't signify that the deal is done, you should write "paid in full" on the front yourself, and keep it in a very safe file forever. The original note is the documentation that you owed money, and the Deed of Trust contains the lien against your house. Typically, they will also send you a copy of the release of lien on the Deed of Trust. Just understand that most mortgage companies move slowly. But don't be afraid to start rattling a few cages if [23]Christmas rolls around and you still haven't heard from these guys! - Dave For more financial advice and a special offer to our readers, please visit [24]www.davesays.org. _______________________________________________________________________________________________________ Dave Says Dave Ramsey is a nationally-syndicated radio talk show host and author of the New York Times bestselling books, Financial Peace Revisited and The Total Money Makeover. His life-changing advice in the area of personal finance helps people get out of debt, stay out of debt and build wealth that will last a lifetime and beyond. * [25]Translate [26]Close * [27]Print Page * [28]Email to a Friend * [29]Share With A Friend _______________________________________________________________________________________________________ CBN IS HERE FOR YOU! Are you seeking answers in life? Are you hurting? Are you facing a difficult situation? * [30]Find your way to peace with God * [31]Send us your prayer request online * [32]Call The 700 Club Prayer Center at 1 (800) 700-7000, 24 hours a day. A caring friend will be there to pray with you in your time of need. [33]Do You Know Jesus [34]Grow In Your Faith [INLINE] Need Prayer? Call 1-800-700-7000 [35]Email your prayer request Email icon Sign up for E-mail Updates [36]Full List E-mail: ____________________ Continue The Christian Broadcasting Network, Inc., A nonprofit 501 (c)(3) Charitable Organization. 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