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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: 1603

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: 3810

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: 3810

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: 360

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: 1603

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: 7219

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: 2899

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: 2899

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: 4457

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: 3787

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: 2899

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: 237

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: 2899

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: 2899

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: 2899

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: 1351

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: 1351

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: 1680

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: 4457

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: 3146

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: 2397

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: 4457

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: 4457

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: 4457

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: 4457

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: 10210

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: 10210

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: 545

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: 2002

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: 847

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: 3080

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: 816

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: 816

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: 727

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: 2353

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: 3709

Re: Child Life Insurance

There are times when this comes up with clients and I discourage for many of the reasons submitted. If they persist I will suggest adding a small term rider that will carry them to their twenties. Some people "want' to purchase a permanent policy because their parents did. It's really not a big...
by bluemarlin08
Tue Jun 10, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Life Insurance
Replies: 29
Views: 1103

Re: Vacationing in Seaside Florida?

We have always been able to stay right on the beach. I have become like you that if I am going to vacation at the beach I am going to stay right on the beach.
by bluemarlin08
Sat May 31, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1341

Re: Vacationing in Seaside Florida?

We were there last October and had a blast. Beaches are beautiful, restaurants were very good, although we tend to eat lunch and breakfast out and stay in for dinner to enjoy sunsets. Summers are pricey but rates drop alot in the fall. Easy drive to Destin.
by bluemarlin08
Sat May 31, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Vacationing in Seaside Florida?
Replies: 13
Views: 1341

Re: Old Variable Life Policy

Determine your cost basis and determine if you will have a taxable gain on sale. If not I would probably surrender.
by bluemarlin08
Wed May 28, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Variable Life Policy
Replies: 14
Views: 685

Re: Cash in Safe Deposit Box..??

Perhaps he has IRS issues and feels storing in SDB is safer than at home.
by bluemarlin08
Wed May 28, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash in Safe Deposit Box..??
Replies: 52
Views: 2915

Re: Ideas for dining inexpensively

We like to pick up food at Texas roadhouse. We get a 6oz steak, a large salad, a large baked potato with trimmings and 4-6 fresh buns with honey butter on the side. $9.99 + tax. Eat at home with our beverages.

Lily


This is a great plac and where we buy the 2 chop dinner for 9.99
by bluemarlin08
Tue May 27, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4449

Re: Ideas for dining inexpensively

We will go to a local steak house and order their chops (2) salad and side dish and rolls for 9.99 and split the meal.
by bluemarlin08
Tue May 27, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4449

Re: Ideas for dining inexpensively

Find a good bbq place and buy a pound of q and a couple of pints of sides and eat for two meals. We have done it forever. Also do the rot. chicken and salad.
by bluemarlin08
Mon May 26, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4449

Re: How to evaluate annuity death benefit options

If considering annuitization, do what freebeer recommends and compare what a SPIA will pay versus what the insurance company is offering. Bet she will do better with a SPIA.
by bluemarlin08
Sun May 25, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to evaluate annuity death benefit options
Replies: 10
Views: 392

Re: [Visiting] Destin, FL

We visit the area at least once a year, usually in May or September. Must do breakfast at The Donut Hole. We love The Back Porch and Louisiana Lagniappe. If you like raw oysters go to the fishing dock and there is a funky shack there, forgot the name.
by bluemarlin08
Fri May 23, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: [Visiting] Destin, FL
Replies: 21
Views: 1798

Re: Help with my Northwestern Mutual Modified Endowment

Where would you put the after tax cash values that can earn over 5%? I would leave the policy as is until better returns are offered in the market.
by bluemarlin08
Thu May 22, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with my Northwestern Mutual Modified Endowment
Replies: 18
Views: 654

Re: Life Insurance Term Length; 20 vs 30

What is your height and weight? One company in particular has very liberal height/weight tables.
by bluemarlin08
Wed May 21, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Term Length; 20 vs 30
Replies: 9
Views: 560

Re: Blended Cash Value Insurance as a substitute for bonds

Over my 34 years in the insurance business I have on occasion revisited these concepts to see if they were appropriate. The products sold certainly would generate large commissions. However, I could never get comfortable with any. My experience is that the guys that promote these deals are blinded b...
by bluemarlin08
Sat May 17, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blended Cash Value Insurance as a substitute for bonds
Replies: 83
Views: 3549

Re: Blended Cash Value Insurance as a substitute for bonds

Ask the agent these questions and ask to answer in a letter. Once he answers the questions post them on the board.
by bluemarlin08
Thu May 15, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blended Cash Value Insurance as a substitute for bonds
Replies: 83
Views: 3549
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