Search found 2192 matches

by BruDude
Mon May 23, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: term life insurance
Replies: 14
Views: 754

Re: term life insurance

For those kinds of numbers, I would just plunk that money into a Vanguard account monthly and self insure. How are you going to self-insure $500k after-tax by saving $150-200/month? What happens if OP dies tomorrow? Clearly there is a health issue causing a substandard rating to be applied. OP - Pr...
by BruDude
Fri May 20, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 32
Views: 2702

Re: Las Vegas in July

Make sure to see Absinthe while you're there.
by BruDude
Wed May 18, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Making an Outdoor Grill Last
Replies: 39
Views: 3009

Re: Making an Outdoor Grill Last

Get a traeger. You can thank me later. Might be best $350 I've ever spent.
by BruDude
Wed May 18, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3740

Re: Trade in BMW?

USAA has the best priced full-coverage aftermarket warranty that I've found. I got a 5 year 75k mile warranty on my 2010 M3 for $2200, dealer wanted $6k. It's an exclusionary warranty and they covered the $3400 evaporator unit job at $0 cost with no wait. The car had 23k miles when I bought the war...
by BruDude
Wed May 18, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3740

Re: Trade in BMW?

USAA has the best priced full-coverage aftermarket warranty that I've found. I got a 5 year 75k mile warranty on my 2010 M3 for $2200, dealer wanted $6k. It's an exclusionary warranty and they covered the $3400 evaporator unit job at $0 cost with no wait. The car had 23k miles when I bought the warr...
by BruDude
Tue May 17, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103418

Re: Boglehead Beer

100% sure, with a couple more of the collection for your viewing pleasure: I'm shocked you found this just sitting on the store shelves. The craft beer market must be very different in Vegas. What are the chances you'd be willing to pick up more and ship it to me? I'd obviously cover the expenses. ...
by BruDude
Tue May 17, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103418

Re: Boglehead Beer

100% sure, with a couple more of the collection for your viewing pleasure: I'm shocked you found this just sitting on the store shelves. The craft beer market must be very different in Vegas. What are the chances you'd be willing to pick up more and ship it to me? I'd obviously cover the expenses. ...
by BruDude
Mon May 16, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103418

Re: Boglehead Beer

They were just sitting on the shelf. I could have grabbed more but didn't want to be a jerk and buy the whole supply. I'm in Las Vegas. It shocks me that KBS is that widely available. Are you sure it was barrel-aged Kentucky Breakfast Stout (http://foundersbrewing.com/our-beer/kbs/) and not the mor...
by BruDude
Mon May 16, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: buying pet food online
Replies: 38
Views: 1568

Re: buying pet food online

Chewy and Amazon Prime are great. I buy mine at Costco though.
by BruDude
Mon May 16, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an HSA account without monthly fee
Replies: 28
Views: 2407

Re: Is there an HSA account without monthly fee

First American bank does not charge any fees for thier basic account.

https://www.firstambank.com/personalban ... -accounts/
by BruDude
Mon May 16, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103418

Re: Boglehead Beer

Picked up two 4-packs of Founders Kentucky Breakfast Stout. Had one last night, was pretty fantastic....going to save the others and age them. Should be pretty incredible in 3-5 years. How were you able to pick up TWO 4-PACKS of KBS? Where I live, you have to sign up for a 'lottery' at local craft ...
by BruDude
Mon May 16, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: private health insurance: broker or no?
Replies: 2
Views: 319

Re: private health insurance: broker or no?

Using a broker doesn't cost you anything but since most insurance companies have decided not to pay commissions on policies outside of open enrollment, you very well may have a hard time finding one willing to help you.
by BruDude
Sun May 15, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3740

Re: Trade in BMW?

True -- but you gotta admit that car's a blast! I figured there'd be the occasional issue. Oh, and I go through a lot of tires, but that's not the car's fault. Every time I take an older Honda in, there's $500 - $800 of nonsense that's recommended. The 335D was great....until I drove an E92 M3. :D ...
by BruDude
Sun May 15, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3740

Re: Trade in BMW?

True -- but you gotta admit that car's a blast! I figured there'd be the occasional issue. Oh, and I go through a lot of tires, but that's not the car's fault. Every time I take an older Honda in, there's $500 - $800 of nonsense that's recommended. The 335D was great....until I drove an E92 M3. :D ...
by BruDude
Sun May 15, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3740

Re: Trade in BMW?

I think you need a reply specific to this car. You have a spectacular engine -- that 6-cylinder diesel is the same as my 2011 335d (the last year they put them in 3-series -- now they're all wimpy 4-cylinders). It's a powerhouse and an absolute blast to drive, as I'm sure you know. But you're in th...
by BruDude
Sun May 15, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 56
Views: 9048

Re: Comfortable Vehicle Front Seats

Porsche Panamera has the most comfortable seats I've ever sat in short of a Bentley/Rolls. Current generation of Mercedes S class is also incredible. Of course, budget plays a factor with both of those cars...
by BruDude
Sun May 15, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103418

Re: Boglehead Beer

Picked up two 4-packs of Founders Kentucky Breakfast Stout. Had one last night, was pretty fantastic....going to save the others and age them. Should be pretty incredible in 3-5 years.
by BruDude
Sun May 15, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 3740

Re: Trade in BMW?

Buy an extended warranty from Fidelity Platinum or USAA. Will probably cost you $3-5k but that's a heck of a lot less to lose than trading in the car. I bought an extended warranty from USAA on my M3 for $2100 and in the first 4 months of having it I had the evaporator unit replaced at $0 cost. With...
by BruDude
Thu May 12, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding renewal offers for 20-year level term
Replies: 9
Views: 1014

Re: Understanding renewal offers for 20-year level term

There is a conversion option, but the prices quoted were to continue term coverage for one year. Based on what I see in the original documents, my huband and I were in different ratings categories which seems to explain some of the differences at least. Those rates are going to jump every year, pro...
by BruDude
Thu May 12, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding renewal offers for 20-year level term
Replies: 9
Views: 1014

Re: Understanding renewal offers for 20-year level term

It's probably pretty simple - you have two different policy series and they may have had different levels of claims on the overall group, resulting in one having higher renewal rates than the other. Although you are "renewing" the policy, it is probably for annually renewable term insuranc...
by BruDude
Thu May 12, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 25931

Re: Poll: Let's talk wristwatches

I'm a bit of a watch nut and have gone through a lot of them, currently have a Panerai Black Seal. Actually paid for itself when I struck up a conversation with someone that gave me a compliment on it and ended up buying a couple of insurance policies from me. I've made some money on trading them ou...
by BruDude
Tue May 10, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: No medical exam life insurance - any decent options out there?
Replies: 14
Views: 803

Re: No medical exam life insurance - any decent options out there?

Are there any good no medical exam life insurance options out there? Not looking for large sum - say $200k. The insured will be 33 and in good health but doesn't want to go through getting blood taken etc. I understand the price will be higher and availability lower. Principal will go up to $1M wit...
by BruDude
Tue May 10, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: No medical exam life insurance - any decent options out there?
Replies: 14
Views: 803

Re: No medical exam life insurance - any decent options out there?

Are there any good no medical exam life insurance options out there? Not looking for large sum - say $200k. The insured will be 33 and in good health but doesn't want to go through getting blood taken etc. I understand the price will be higher and availability lower. Principal will go up to $1M wit...
by BruDude
Fri May 06, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies to supplement group disability insurance
Replies: 7
Views: 504

Re: Strategies to supplement group disability insurance

It is sad that there is no other way around this. Thank you BruDude. I really appreciated your inputs. It is amazing that in this forum, with so many great and intelligent people on investing and personal finance, that there are still so few who knows much about disability insurance. DI is a pretty...
by BruDude
Fri May 06, 2016 12:24 am
Forum: Personal Finance (Not Investing)
Topic: 32yo male - Contemplating Term Life Offers (had stage 0 skin cancer 7 years ago)
Replies: 5
Views: 960

Re: 32yo male - Contemplating Term Life Offers (had stage 0 skin cancer 7 years ago)

A preferred rating with melanoma is a very good offer. You're probably not going to get Preferred Plus....best case scenario you might find another company with lower Preferred rates, but I'd take it the offer and worry about that later. An independent agent should be able to pre-screen it to see if...
by BruDude
Thu May 05, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies to supplement group disability insurance
Replies: 7
Views: 504

Re: Strategies to supplement group disability insurance

Thank you BruDude. You seem to know more about disability insurance than anyone else in this forum. I am talking about THIS forum, so that means a lot. Ok, the rider doesn't exist, can the insurance company at least include a policy amendment that states they will offset benefits by anything paid f...
by BruDude
Thu May 05, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies to supplement group disability insurance
Replies: 7
Views: 504

Re: Strategies to supplement group disability insurance

I have a group long-term disability policy provided by the employer at the employer's cost. The group plan is fully paid by the employer but has no residual, COLA, conversion, nor portability options, which is bad for disability insurance but I guess typical for group disability insurance. To close...
by BruDude
Wed Apr 27, 2016 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: long-term disability insurance: COBRA premium rider?
Replies: 3
Views: 284

Re: long-term disability insurance: COBRA premium rider?

I think it's a waste of money given the changing health insurance landscape and the fact that nobody knows if COBRA will even exist in a few years...I'd pass. If you lost your group coverage you'd be eligible for a plan on the individual market too - whether that's a good thing or not depends on whe...
by BruDude
Tue Apr 26, 2016 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much Disability Insurance?
Replies: 1
Views: 199

Re: How much Disability Insurance?

The maximum you can get by opting out of the 20% extra
by BruDude
Thu Apr 21, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

KlangFool wrote:OP,

Why don't you get your STD and LTD insurance via your employer? It should be a lot cheaper and it is good enough in most cases.

KlangFool


No, it's not. You get what you pay for, insurance companies aren't giving away free money.
by BruDude
Thu Apr 21, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

Not public yet, but it's coming and it's for the whole country. If you are on the fence, now is the time to get it done. All apps must be approved by 10/31/16 otherwise they will be terminated from the system. Sucks, they were killing it for a couple years, I sold a lot of their policies since Inco...
by BruDude
Thu Apr 21, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -
Replies: 24
Views: 2198

Re: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -

I thought that healthcare.gov was the first place to go to, have you explored there? Yes. I called there and was told he had to earn $12,000 a year to get a tax credit (I think the actual figure is $11,880, though, and I also,think he rounded up). So? He may not get a tax credit, but options are st...
by BruDude
Thu Apr 21, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

On a side note, MetLife just announced today that they will be suspending individual DI sales as of September 1. Their contracts are non-can, nothing to worry about on premiums for in-force policies. If a company that did not offer non-can stopped selling policies, there is probably a greater risk ...
by BruDude
Thu Apr 21, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Flexible Premium Adjustable Life Insurance [premium skyrocketed]
Replies: 6
Views: 621

Re: Flexible Premium Adjustable Life Insurance [premium skyrocketed]

This sounds like a "universal life" policy. There probably was a warning somewhere in the fine print that this sort of thing could happen. Here is a simplified version of how such a policy tends to work: - You pay in premiums periodically, the amounts of which are "flexible" as ...
by BruDude
Thu Apr 21, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

I think I understand the interaction between the own occupation and residual disability riders now. Below is my attempt to describe it. BruDude, or anyone else who has experience with these details, would appreciate a confirmation that I got this right! 1. Residual disability without own occupation...
by BruDude
Fri Apr 15, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - 2nd to Die Policy - what to do??
Replies: 14
Views: 1145

Re: Whole Life - 2nd to Die Policy - what to do??

One more option you may consider if they are still in good health would be to re-write the policy to a new second-to-die universal life policy with a guaranteed death benefit of $1M (or whatever number you choose) and do a 1035 exchange with the existing cash value into the new policy, paying no fur...
by BruDude
Fri Apr 15, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - 2nd to Die Policy - what to do??
Replies: 14
Views: 1145

Re: Whole Life - 2nd to Die Policy - what to do??

BruDude - Last week I did request an updated illustration. However, I thought the 1 year old illustration that I attached should be close enough for a discussion. I have compared illustrations over the past 5 years and they have not changed significantly from year to year. The attachments posted ar...
by BruDude
Fri Apr 15, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - 2nd to Die Policy - what to do??
Replies: 14
Views: 1145

Re: Whole Life - 2nd to Die Policy - what to do??

Looks like the dividends are now getting to the point where they are greater than the premiums paid, with a pretty large dividend increase projected in the coming years. If you don't need the money, I'd keep paying the premiums.
by BruDude
Thu Apr 14, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

I was wondering about this (partly based on your own comments in this forum). The agent who wants to sell me the MOO policy has been in the business for over 20 years and uses various carriers. I took notes on our phone conversation, including some things he said about other carriers. He said that ...
by BruDude
Thu Apr 14, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

Maybe I am just not being sufficiently imaginative when I consider what could realistically disable me. Being confined to a wheelchair would not be enough, as long as I had use of my hands (for typing) and mind. But maybe I would need extra care, as you do, and working full-time (or at all) might n...
by BruDude
Thu Apr 14, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4182

Re: disability insurance: do I really need it?

Mutual of Omaha's coverage is not nearly as good as what is available from other companies that cater to white-collar occupations such as Guardian, Principal, Standard, MetLife, Ameritas, Ohio National, and Mass Mutual. Assuming you have no group disability insurance from an employer, you can expect...
by BruDude
Thu Apr 07, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Term Life Insurance
Replies: 4
Views: 340

Re: Buying Term Life Insurance

They have an A++ financial rating from AM Best, that's pretty rock solid.
by BruDude
Wed Apr 06, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Term 80
Replies: 31
Views: 12391

Re: Life Insurance Term 80

Lets say I only need a 20-yr term. If term 80 is cheaper than term 20 for the first 20 years, why wouldn't you simply purchase term 80 and cancel at year 20? Try running a quote and seeing if that's the case. I'd bet it's a lot more expensive over the first 20 years compared to a 20-year term polic...
by BruDude
Wed Apr 06, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Term 80
Replies: 31
Views: 12391

Re: Life Insurance Term 80

Lets say I only need a 20-yr term. If term 80 is cheaper than term 20 for the first 20 years, why wouldn't you simply purchase term 80 and cancel at year 20? Try running a quote and seeing if that's the case. I'd bet it's a lot more expensive over the first 20 years compared to a 20-year term polic...
by BruDude
Thu Mar 31, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: ? LTD - Auto Increase Benefit - When is enough ENOUGH?
Replies: 3
Views: 364

Re: ? LTD - Auto Increase Benefit - When is enough ENOUGH?

I would max out the benefits since you can always reduce your benefit amount at a later date, but you won't always be able to increase it. The increases also only last for the first 6 policy years unless you request the insurer renew the rider for another 6 years after that.
by BruDude
Thu Mar 31, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is disability insurance too expensive?
Replies: 7
Views: 802

Re: At what point is disability insurance too expensive?

If you are an independent - you might try Freelancer's Union they have good insurance and some other benefits. While they are on the political side - I found their group benefits quite useful. https://www.freelancersunion.org/ Here are their disability insurance rates - it seems to be LESS than hal...
by BruDude
Thu Mar 31, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a broker to buy disability insurance, or can I DIY?
Replies: 1
Views: 223

Re: Should I get a broker to buy disability insurance, or can I DIY?

Why do it yourself when using a broker costs $0 and they may be able to get you a discount that wouldn't otherwise be available purchasing on your own? I'd see if someone you know can recommend a good independent agent.
by BruDude
Thu Mar 31, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is disability insurance too expensive?
Replies: 7
Views: 802

Re: At what point is disability insurance too expensive?

I’m struggling to decide if it is worth pursuing a disability policy with a high-rated insurance company. My situation is that I’m married, early 40’s, self employed with unemployed spouse (looking for work), one child on the way. Income is very low 6-figures. The quote is for 60% income coverage, ...
by BruDude
Tue Mar 29, 2016 4:17 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Sharing Ministry A No Brainer?
Replies: 66
Views: 7049

Re: Healthcare Sharing Ministry A No Brainer?

For me, my monthly cost is now $181 instead of $465, and, I no longer have a $6,250 deductible, and, my prescriptions meds (all 1 of them) are much cheaper than BCBS price. The 99.9% likely scenarios for me are all covered. I don't care that maintenance prescriptions are not covered as it's cheaper...
by BruDude
Sat Mar 26, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do I find a credible insurance broker
Replies: 2
Views: 277

Re: How do I find a credible insurance broker

You need to split your search into two separate categories - auto for one agent, life/disability insurance for another agent. Auto falls under a Property and Casualty license, life and DI fall under a Life and Health license. There are very few agents that do P&C that really know what they are d...

Go to advanced search