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Re: What Book Are You Currently Reading? Part V

Calico Joe John Grisham
by bluemarlin08
Thu Jul 31, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3117
Views: 1013527

Re: Parents bought whole life — what next?

Noticed that the insurer is Lincoln Benefit. They were recently sold by Allstate to Resolution Life and will not issuing new business. Resolution Life is under no obligation to do better than the guaranteed obligations in the contract. If the policy doesn't have a no lapse rider premiums could incre...
by bluemarlin08
Thu Jul 31, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents bought whole life — what next?
Replies: 8
Views: 805

Re: Parents bought whole life — what next?

Heart attack doesn't preclude getting a fairly priced term, but I would look to see if you could reduce the death benefit to 25,000 or so. Find an independent agent that can help you.
by bluemarlin08
Thu Jul 31, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents bought whole life — what next?
Replies: 8
Views: 805

Re: Difference between leasing a car and renting a home

I use to lease in the 80's and remember there were two kinds of leases, open and closed. Closed were mileage limits and you turned the car in after the lease period. Open didn't have mileage limits and you were responsible for the "pay off' value when you turned them in. I always drove sports c...
by bluemarlin08
Tue Jul 29, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Difference between leasing a car and renting a home
Replies: 7
Views: 979

Re: A question on long term care insurance

Many clients on claim and never a complaint.
by bluemarlin08
Sat Jul 26, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 938

Re: Best Coffee Maker? What do you have?

Melitta people


Works the best for me, second is frenchpress
by bluemarlin08
Sat Jul 26, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 65
Views: 4610

Re: A question on long term care insurance

Are you a Genworth customer? If so, do you feel that they paid you adequately?



I am an agent that represents Genworth.
by bluemarlin08
Sat Jul 26, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 938

Re: A question on long term care insurance

I would like to know how much Genworth *really* pays for, say, an extended stay in a nursing home


They will pay up to the benefit guaranteed by the policy.
by bluemarlin08
Sat Jul 26, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 938

Re: advise for 24 y/o who just bought Index Universal Life

Cancel the policy, the most you lost was premiums paid, consider it a lesson. You can probably get all your premiums back with a letter to the company explaining you didn't really understand the policy. If you lose the agent as a friend, they were never a friend. Many companies will do a total refun...
by bluemarlin08
Fri Jul 25, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: advise for 24 y/o who just bought Index Universal Life
Replies: 15
Views: 1075

Re: Lawyer Up? Advice Needed

The really good lawyers won't take this case on contingency, less qualified will require retainer to begin and more and more. Unless you can prove damages you will even lose the retainer. I would continue to be tested.
by bluemarlin08
Thu Jul 24, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3100

Re: Help! Term Life through an Irrevocable Life Insurance Tr

One solution is determine the potential tax and increase your policy that amount. Although that additional coverage will be taxed. The cost of extra term coverage is much cheaper than doing the trust.
by bluemarlin08
Thu Jul 24, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Term Life through an Irrevocable Life Insurance Trust
Replies: 11
Views: 709

Re: Dad had a whole life policy but it sounds like term life

If a whole life policy is from a dividend paying company, and the dividends are used to buy paid up additions or left to accumulate your death benefit certainly can increase.
by bluemarlin08
Thu Jul 24, 2014 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 25
Views: 1669

Re: Dumb 3rd grade math question about beach house rental

We just returned from a trip with another family. Other family, husband, wife and 7 year old. Split costs in half, we arrived a couple days late due to emergency business issue. Let them have the master, vacations are for fun. Decide everything up front, everyone will feel more comfortable.
by bluemarlin08
Wed Jul 23, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 60
Views: 4553

Re: Whole Life Conundrum

Ask for an in force illustration showing projected dividends paying the premium and see the projected increased values.
by bluemarlin08
Thu Jul 17, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Conundrum
Replies: 22
Views: 1646

Re: Snake!

Sorry, I should have added that disclaimer. The language was totally unnecessary, but the story was very unique.
by bluemarlin08
Thu Jul 17, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4195

Re: Snake!

This video shows the most dangerous island in the world.
by bluemarlin08
Thu Jul 17, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4195

Blue Cross of Tennessee rate inrase

BC of TN has requested a 19% rate increase for 2015.
by bluemarlin08
Thu Jul 17, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Blue Cross of Tennessee rate inrase
Replies: 2
Views: 370

Re: Whole Life Conundrum

Not many good options other than maybe making a 1035 transfer of the cash value to an annuity and let that accumulate tax free to your cost basis. I wouldn't consider cutting the policy in half, apply for term for you both then drop the coverage.
by bluemarlin08
Wed Jul 16, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Conundrum
Replies: 22
Views: 1646

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

You won't become liable until the lender comes to you, lots can happen before that happens. Once was in a similar situation, the other party renegotiated the deal during his bankruptcy and he ended up paying it off. Never hit my records.
by bluemarlin08
Mon Jul 14, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7557

Re: Affordable health insurance

Most that have been on this site know, as I have also contributed to the last Boglehead book. So, do you think because one is in the insurance industry they can't give objective advice, no?
by bluemarlin08
Sat Jul 12, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Affordable health insurance

I think you should disclose in these threads that you are a health insurance broker , no?


Why? Should everyone disclose their occupation, no?
by bluemarlin08
Sat Jul 12, 2014 7:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Smokers [for cooking]

Just pulled off some baby backs and they are better than any rib I ever had anywhere.
by bluemarlin08
Thu Jul 10, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4520

Re: Future plan with recent lung cancer diagnosis

So sorry to hear this. I went through something similar in 2003, things turned out good for me but I researched things to death and had many second opinions before deciding my course. Took the entire family on a long vacation after treatment.
by bluemarlin08
Thu Jul 10, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Future plan with recent lung cancer diagnosis
Replies: 25
Views: 3849

Re: Affordable health insurance

I have a very good friend in Atlanta that is an independent health agent if you would like his name let me know.
by bluemarlin08
Thu Jul 10, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Assurant self funded small group plan

Just curious if any of you small business owners use the Assurant partial self funded group health plan.
by bluemarlin08
Thu Jul 10, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Assurant self funded small group plan
Replies: 0
Views: 239

Re: Affordable health insurance

If the employer rates increase, COBRA participants rates increase as well. Perhaps one's employer rates didn't increase when they became ACA compliant, but most I have seen had substantial increases.
by bluemarlin08
Thu Jul 10, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Affordable health insurance

Rates for COBRA will for sure increase when your employer must meet ACA requirements.
by bluemarlin08
Wed Jul 09, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Affordable health insurance

Go to ehealth.com and plug your info in and see what is available. You want to focus on a company like United Health Care (Golden Rule) due to their nationwide network versus BC. The problem, however, is that most companies will increase premiums at renewal. So compare these current plans with your ...
by bluemarlin08
Wed Jul 09, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Dishwasher relacement

What brand and model did you buy? It is just my wife and I now.
by bluemarlin08
Wed Jul 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher replacement
Replies: 11
Views: 1359

Dishwasher replacement

How difficult to replace one's dishwasher? I am no handyman but have replaced a couple of electric water heaters.
by bluemarlin08
Wed Jul 09, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher replacement
Replies: 11
Views: 1359

Re: Physician disability

Does Principal allow you to specify your specialty?
by bluemarlin08
Tue Jul 08, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician disability
Replies: 11
Views: 1699

Re: Smokers [for cooking]

Nope, the heart of Dixie all my life. Don't knock the gas smoker till you try it, I guarantee you can't tell the difference.
by bluemarlin08
Tue Jul 08, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4520

Re: Animal battle Round 7: Raccoon pooping near house

Set a trap. I caught 13 in a month. Relocate, I spay them with orange paint to see if they return
by bluemarlin08
Mon Jul 07, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3231

Re: POLL: How Old is Your Newest Motor Vehicle?

We just sold a 2000 ford van I bought 4 years ago for 1500 for 2000. Our second less used cars are always high mileage cars and never had major problems
by bluemarlin08
Mon Jul 07, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2418

Re: Smokers

We smoke our butts for 10 hours at 240, then wrap tightly in foil and place in conventional oven at 225 for 8-10 additional hours, never fails to make great que. I can do this for 4 or 5 cooks until it runs out of gas
by bluemarlin08
Mon Jul 07, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4520

Re: Smokers

I love the green egg for direct cooked meat, but this new smoker is so much easier to use and handles much more meat. Honestly, I have never been more pleased with a purchase in my life. Butts, ribs and chicken last week for a party where a rave by everyone. Folks told us they had never had better p...
by bluemarlin08
Mon Jul 07, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4520

Re: Smokers

I have used wood smokers for years, this is so much easier and no difference in taste. We own a catering firm and our clients can't discern the difference. Gas is used to heat the wood chips, the smoke is even and temp is much easier to control.
by bluemarlin08
Mon Jul 07, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4520

Smokers [for cooking]

Just a note about a recent purchase of a smoker. Bought the Masterbuilt wide gas smoker. Absolutely one of the best values I have ever made. This smoker is so easy and handles lots of food. Bought on sale at Basspro.
by bluemarlin08
Mon Jul 07, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4520

Re: How to admit/should I admit alcohol problem to employer

I would cancel your planned trip and move this to the front burner. Regardless of whether you lose your job, your trip or whatever, you will regain your life, that should be your priority, IMO.
by bluemarlin08
Fri Jul 04, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10430

Re: How to admit/should I admit alcohol problem to employer

I applaud you for recognizing the problem. Do whatever it takes, my prayers are with you. Life will be much brighter on the other side of this, I promise.
by bluemarlin08
Wed Jul 02, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10430

Re: Oil Royalty LP

My parents are invested in some mineral leases and earn 10-12k per month
by bluemarlin08
Tue Jul 01, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Oil Royalty LP
Replies: 5
Views: 556

Re: Paid off home as LTC Insurance?

Most all LTC insurance plans cover AL and HC.
by bluemarlin08
Sun Jun 29, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off home as LTC Insurance?
Replies: 38
Views: 2006

Re: Choosing Insurance Carrier for Term Life Insurance

What rate class are you assuming? Do you qualify for that rate class with both carriers? Both companies are good choices.
by bluemarlin08
Fri Jun 27, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Insurance Carrier for Term Life Insurance
Replies: 8
Views: 863

Re: I'm livid -- Disability insurance dishonesty

Some medical schools do have large discounts available with certain insurance companies without any reduction in benefits.
by bluemarlin08
Fri Jun 27, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm livid -- Disability insurance dishonesty
Replies: 11
Views: 3087

Re: Life insurance with health issues

Type 1 diabetes ratings can be all over the place depending on current meds and lab results. The two companies I have found hat have been making competitive quotes are Banner and Pru. The advantage with Banner is they base their table ratings of of Standard Plus rather than Standard, substantial dif...
by bluemarlin08
Fri Jun 20, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with health issues
Replies: 8
Views: 857

Re: Life insurance with health issues

A good agent will send preliminary info to several different companies to get an idea of who to apply with. Different companies view certain conditions differently. In addition, once you acquire the best rates available, re-shop your situation every three years or so as long your health is the same.
by bluemarlin08
Wed Jun 18, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with health issues
Replies: 8
Views: 857

Re: Yet another WL keep or ditch thread (sorry...)

I would apply for a large term policy and when issued would drop the WL. I have many physician clients and not one own WL.
by bluemarlin08
Tue Jun 17, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet another Whole Life keep or ditch thread (sorry...)
Replies: 12
Views: 748

Re: [Legacy USAA Whole Life -- What To Do?]

On whole life policies, the interest rates, guaranteed or non guaranteed, are a poor benchmark to judge a policy's performance. Dividends are a mixture of many different things, companies often differ regarding what the interest rate is credited against. Many people mistakenly believe that those pub...
by bluemarlin08
Mon Jun 16, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Legacy USAA Whole Life -- What To Do?]
Replies: 17
Views: 2556

Re: (article) the best fixed income investment

One can still earn 3-3.6 guaranteed for 10 years on some deferred annuities.
by bluemarlin08
Wed Jun 11, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: [Morningstar article] the best fixed income investment
Replies: 55
Views: 3767
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