in town for free camps
- Member for
- 5 years 49 weeks
- View recent blog entries
|3 weeks 6 days ago||Cancer sucks||
Working with various types of insurance, I see this more frequently than I'd like to admit. Please make sure that your family is taken care of if the worst were to happen.
|11 weeks 3 days ago||Not the internet,||
But I used Encarta '95 for a lot of school projects in high school. It was sweet back then.
|12 weeks 2 days ago||In 90% of cases you're correct||
However, they both have their niches and of used correctly are great tools. Whole life shouldn't be considered an investment, but rather a savings tool for access to tax free, accessible, guaranteed-to-never-go-backwards money. Through the right company and structured correctly it can be an awesome financial tool. The money in the policy won't break records but it can be used to finance other opportunities that come up in life. Corporations and banks understand this and have billions of dollars in these policies (Chase has $20B and Bank of America has $18B). What do they know that the average person doesn't? Walt Disney, Ford and other companies wouldn't exist if their founders didn't have life insurance policies to use to keep them appear in tough times.
|12 weeks 2 days ago||Universal life||
Can be dangerous. If you take advantage of the flexibility it provides(Which many people do) it collapse on itself after so many years. I can't tell you how many clients I've had in my office frustrated over it because that wasn't explained very well and they basically wasted their money.
|12 weeks 2 days ago||Universal life is not whole life||
|12 weeks 2 days ago||Don't do brokerage||
By doing a tax deferred account you'll have 30% more money after 20 years because you weren't taxed every year.
|12 weeks 2 days ago||How are your||
Capital gains taxes?
|12 weeks 5 days ago||This||
As someone who has officiated for 8 years at the high school and college level along with having an older brother officiating D1, watching the tournament this year was rough. So many calls made by officials that were not in their primary coverage area as well as making calls when they are not in a good position to see what actually happened. Not to mention how inconsistent they are.
|15 weeks 6 days ago||I thought it was||
|17 weeks 5 days ago||I would absolutely do it.||
I was good at those in Jr High.
|18 weeks 17 hours ago||Let me be clear||
Universal life is stupid and Variable is only for a certain type of goal. The kind I'm referring to is the "conservative"kind the poster above mentioned. Your risk is in the company itself and not directly tied to the market. It's designed to be the part of your portfolio that hits a lot of singles (Ichiro Suzuki made a killing in the MLB doing that). Whoever sold it to the poster above that didn't like it didn't educate him on why he should have it or what purpose it serves in a financial plan. I recommend reading "Financial Independence in the 21st Century." I have a lot of smart clients that put a lot off money every year into these as well as other investments. They were really thanking me in 2009.
|18 weeks 21 hours ago||I forgot to mention||
You can access it tax free. You would have to work hard top get taxed on it.
|18 weeks 21 hours ago||Permanent life insurance through Northwestern Mutual||
It's where the banks park your money anyhow and keep the interest rate they make. Pros are accessibility (Within 48 hours), guaranteed to not go backwards and still has a medium long term rate of return. A lot of people don't like it, but it's because they don't know it very well. Corporations and banks stash billions of dollars in these places.
|26 weeks 5 days ago||Word||
It's like a 401(k) plan, but for high income earners.
|26 weeks 5 days ago||I'm wondering if this scenario has been in the works||
since the late summer. As the season started I think that some people realized how bad our department had gotten and the product on the field sped up the process of needing to get a new athletic director to make a good run at Harbaugh. My question would be how much the big donors were in Schlissel's ear to find a new athletic director to go hard after Harbaugh?
To Schlissel's credit, he listened well when he did not understand our infatuation with athletics
|28 weeks 6 days ago||I'd rather||
Blame the idiot that put it there.
|32 weeks 5 days ago||Wow||
THE Jon Horford?
|33 weeks 6 days ago||I don't get it.||
Can someone please explain?
|34 weeks 18 hours ago||Here's my question||
It doesn't look like our offense has really changed much from last year, so
|35 weeks 6 days ago||I share your optimistic potential||
But have come to realize that no matter how much talent this team has, Hoke's staff does not have the ability to develop them or get them motivated to play consistently. I keep expecting them to step up every week, but they just don't. I was Hoke's biggest supporter for the longest time, but even he knows he's done. Watch the interaction with Dantonio at the end... He knows
|35 weeks 6 days ago||I don't think the team||
Likes Hoke as much as you think. See the letter to players a few weeks back and there was no mention of Hoke or any coach. I've heard rumors (granted, just that) that some of their guys are tired off getting hurt and losing so much. At some point even a player realizes something is wrong. I think the evidence for that is in their lackluster attitude.
|36 weeks 2 hours ago||Well said||
|36 weeks 3 hours ago||Remember that like it was||
Remember that like it was yesterday. I miss those days of hope.
|36 weeks 5 hours ago||Thought the same thing myself||
Thought the same thing myself
|36 weeks 8 hours ago||Great points||
This is very true about Michigan. My question is whether the powers that be understand this situation and also get that the "Michigan Man" meme hasn't worked. I get the feeling they still have their heads up their...
|36 weeks 18 hours ago||Yeah I saw that interaction||
And wondered what that was about. Maybe Hoke telling him it wasn't nice?
|36 weeks 21 hours ago||With these kinds of performance as the norm||
Why wouldn't we want to fire Hoke now? Got to be better than carrying him through the season.
|36 weeks 1 day ago||This wins the day||
This wins the day
|36 weeks 2 days ago||We also saw how offenses||
We also saw how offenses suck. One is less painful than the other.
|37 weeks 2 days ago||I played basketball in||
I played basketball in college(small school no one has ever heard of) and I played much betterin games than practice. I practiced hard every day, but there was just something about hanged that brought my emotion out. My coaches thought I was crazed lunatic during games. My percentages were definitely higher than practice, so I understand that some people play better in games than they do in practice.