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Re: Newborn baby girl in New York life insurance deal! I have a lot of inside knowledge on this deal and will share here, also responding to some of the questions and comments:

  • This is a Whole Life policy with Allstate
  • It is a NON-PARTICIPATING Whole Life policy, it will NEVER earn a dividend. All parts of the policy are guaranteed by the issuing company (Allstate Life Insurance Company of NY)
  • The numbers are self evident to be a pricing error. Anyone with a little knowledge and understanding knows that mortality risk at age 0 is higher than at age 4. Why then would the price of an age 0 be LESS THAN HALF of the price at age 4?
  • As previously stated, this is a NY issued policy. NY is the most stringent of all states in insurance regulation. The only way this Guarantee will not work is if the company is disolved by the insurance regulator. Even if something like that were to happen (highly unlikely IMHO, it would severely damage the Allstate brand) other insurance companies are likely to step in and take over policies of a failed company. That doesn't work well for policies that count on dividends, but since this policy is 100% Guaranteed in Premiums, Cash Value and Death Benefit, it would have to be honored if taken over by another company.
  • While it is true that for the age 0 the IRR (internal rate of return) on the cash value maxes out at year 13, that doesn't necessarily mean that cashing out at that point makes sense. Remember this is safe, fixed, guaranteed money. Future values are GUARANTEED to be higher than current values. At any point the reason to pull out would be if you need the money, or can do better elsewhere.
  • With this policy as an exception (or with policies structured in a very special way that most agents won't do, as it cuts into almost all of their commissions, and they do need to earn something) a juvenile Whole Life policy is NOT a good cash accumulation vehicle. A 1035 exchange is probably the way to go AFTER age 18, if child turns out well בעז"ה. If חס ושלום, something happens, you at least have 250,000 of life insurance for an unbelievably low price.
  • If you are looking for an honest יידישע Allstate agent, go to Most Allstate agents don't know much about Life Insurance. Property and Casualty (mostly home and auto) are their bread and butter. was set up by a group of עהרליכע Life Insurance agents working in collaboration with a יידישע, שומר שבת, Allstate agents. They are careful to make sure all i's are dotted and t's crossed so that you can rest assured that you get exactly what you see.
  • As per NY State law, a parent buying life insurance on a child of that age, must be insured for at least 4 times the amount being applied for the child. The policies are issued with an endorsement saying that if it is discovered that parent was not insured at time of application for the proper amount, the policy can be cancelled (premiums would be returned).
  • The company underwriting wants to see that the other parent is insured for at least amount being applied for child, and that other siblings are insured for similar amounts. Take a step back for a second and think about this with a cool head. The company is issuing this as LIFE INSURANCE CONTRACT and is on the hook for $250,000 from the moment the policy is approved and paid for. From an underwriting perspective, it sounds fishy to want to insure a child for more than that child's parent is insured for, and also to insure one child and not others, or for different amounts. If you believe children should be insured (primary reason is to protect insurability), then why would you not treat all children equally? Do you know something that is not being disclosed to the underwriter which would be a reason to insure only this child for more than other children? Remember the underwriter's decision puts the company on the hook for a substantial sum. All they see is a paper application, or some data on a computer. They don't know the people involved. Risk taking decisions must be made carefully by underwriters.
  • While it is obvious that on each individual policy like this, Allstate will lose money, in a weird way they might actually consider this decent business. One of the biggest challenges of insurance companies is premium persistency - having policies staying on the books for a long time with predictable cash flow. Given the ages of issue, and the pricing error, these policies are likely to stay on the books for a long time. Since the risk is limited on each individual insured, even an eventual loss 20 years down the road is not that significant in the big scheme of the insurance company.
  • The loan provision of THIS POLICY is not attractive. It is guaranteed at 8%, and the cash values are also guaranteed at whatever they are, with no upside or downside, and no direct-recognition (a practice that adjusts returns on policy cash values based on the existence of a loan).

December 03, 2015, 03:03:10 PM
Re: I Remember When... When I could arrive at the airport for a flight JFK-CDG-TLV 10 minutes before scheduled departure with an expired passport and make it onto the flight.
April 06, 2016, 11:34:27 PM
Re: I Remember When... Calls to Eretz Yisroel on a special plan with AT&T (long distance, not wireless) = $2.50 (I think) for the first minute, $0.75 for each additional minute, and that was a bargain over the regular rates.
April 07, 2016, 12:21:07 AM
Re: German Cars
Like I said, it's a proximity thing. In another generation or 2 tops it'll be gone.


In another generation or 2 we will be living in ימות המשיח!

May 08, 2016, 10:28:04 PM
Re: Spraying license plate to avoid camera tickets NYC
It's insane how many cameras wen up in the last year, I don't drive anywhere in the Five Boroughs without waze on to tell me where the cameras are.
Nothing insane about that.

Just think about it, it makes perfect sense.

A private company runs these cash registers. All they do is come to the municipality and say, you pass the laws, we will install the cash registers (AKA cameras for speed, red light, bus lane, etc.) and we will send you a commission off the profits we make.

Then the liberal gov't (DeBlasio) can pass their agenda, and say they did it without raising taxes.

They even do better by selling it to the public as a concern for peoples safety, vision zero, etc. etc. etc. all the rest of the baloney they call it. If they thought speed is a safety concern, they would install speed bumps.

This is how we end up with unrealistic 25mph zones, where the natural traffic speed should be at least 35mph if not higher. How can Ocean Parkway main road have the same speed limit as a small side street?

May 26, 2016, 01:45:10 PM
Does Brexit outcome indicate anything about Trump's chances As we are hours away from the Brexit referendum, the outcome might have multiple economic and political repercussions beyond the British shores.

One of the repercussions the political elites seem to be most scared of, is the emboldening of other nations to follow the example. This is why leaders from all over the world have been trying to influence the British to vote for Remain.

If indeed the referendum ends up decided as LEAVE, the Dutch will probably be next with a referendum, and from there it might snowball (or domino effect).

If I were in the UK, I would vote to Leave. While I am aware of possible short term financial instability, I think that will be short lived as all sides will want to enter free trade agreements in short order.

I see this as a simple question of sovereignty, and the interests are simply too divergent to agree to a surrender of sovereignty to the EU.

I am thinking that if the British indeed vote to leave, this could be a meaningful difference in favor of Trump in November. If the British can do it, so can we!


June 22, 2016, 10:37:45 PM
Re: **Shipping Master Thread** What service To Use When
Hi! Anyone has a good idea how to bring a keyboard (large Yamaha) and some boxes from NY to Israel?

I would take it when flying but oversize would cost $100 on the flight. Anyone knows someone who is shipping a container, like doing Aliya or stam shipping stuff, that would have some room for a reasonable fee? Please let me know, thanks!

If you fly business class you might even be able to take it on board with you.

July 26, 2016, 10:27:15 PM
Re: Going/Gone through 11 Months at the Amud? (All others proceed with caution...)
At least when I was saying kaddish I felt like I was doing something for my Mom. When I woke up the day after it was like...Now What?....
I know quite a few people who were lax about davening with a minyan, who got to appreciate it while serving time at the Omud and kept on going.

I personally started answering אמן etc. louder, as I got an appreciation of what it means to be at the Omud and feel like you're davening in a בית החיים where you can hear no feedback.

August 31, 2016, 12:23:09 PM
Investing with an eye on the November Election I am contemplating possible stock market reactions to the elections.

I've drawn parallels between our election and the Brexit referendum, and I think that the market risk is similarly asymmetric (though I might be wrong - this isn't based on any research, just my feeling based on the mood I sense).

Regardless of who is better for the economy or the stock market (two totally different things), it seems to me that a Trump win would be met with a huge spike in volatility, whereas a Clinton win, regardless of how bad her economic or tax policies might be, is a signal of stability. There are obviously also specific industries which are perceived to be affected by each candidate's positions. Would be interesting to get feedback on which Lying Poison Pill has a perceived effect on which industry.

September 01, 2016, 05:07:38 PM
Re: Messianism among Lubavitch
So it wasn't a gay wedding?
Must have been....after all, I don't think I've ever seen any females in 1414 since Moussia Nemotin stopped cooking for Pesach.

September 02, 2016, 12:18:46 AM
Re: Messianism among Lubavitch
Is that a failed קולע or is it ערב יו״כ מלקות in your profile picture?

September 02, 2016, 12:28:25 AM
Re: BOGO Tuition Scam Simple reading comprehension. Look what I wrote, and how you responded:

So now tell me again who is lying? When I state that I have not invested and suggest that people take prudent actions you call me a fool, and when I quote you for what you said, you call me a liar.

September 05, 2016, 01:18:57 AM
Re: BOGO Tuition Scam
This is a good development, I am actually surprised that allowed it in the first place, as the way it was worded seemed totally incongruent with the types of campaigns that site is made for.

I will clearly state here: I was wrong by initially implying that there was some merit, as I didn't initially carefully read the ad or wording on the website. As soon as I realized what was being attempted here I clearly differentiated between the "tuition match" campaign and the "loyalty program" and encouraged prudent approach.

My personal opinion is that with this fiasco he killed his loyalty program, which seems like a legitimate business which might or might have not worked, before even getting to try it. If it is to have any chance he will have to take some radical steps (such as renaming it, and removing himself from the business, and only collecting royalties if indeed it ever works out. My guess is that he wouldn't take those steps).

My personal lesson learned here is to take an extra step of caution when making public statements that could be construed in any way as an endorsement.

September 08, 2016, 12:12:48 PM
Re: 2016 Election Pick Your Poison Master Thread
Exactly, 1 among 16. Fracture the establishment vote and win without a majority.
There's no way he would've won a 1:1 from the start.
Or to use Kasich parlance: there's no way Joseph would have been favorite if he only had one sibling.

September 12, 2016, 04:02:50 PM
Which BUSINESS credit card is best for everyday spending? While I know that no-one is stopping me from doing everyday spend on consumer cards, with the various limits such as 5/24 etc. it might be hard to get two of the same card, and mixing personal and business charges on the same card is just too much of an accounting headache.

And while it is possible to stack up on $300 VGC from Staples using Ink cards, it's not always practical.

For a while United Club was my PERSONAL card of choice for everyday spend giving 1.5 miles per $. When AMEX came out with Everyday Preferred, that became my card of choice for everyday spend at 1.5 MR points per $. Now with Freedom Unlimited giving 1.5UR points per $ and Sahpphire Reserve putting a 1.5 cents per point floor value on the points, the Freedom Unlimited became my preferred everyday spend card (non-category, not subject to foreign transaction fees).

This is all fine and dandy for PERSONAL spend, but that is overshadowed by non-category business spend. Also, as we know, many business accounts don't show on the Credit Report, which is helpful in certain instances.

For now, AMEX SPG is my card of choice for everyday BUSIENSS spend. With the 25% bonus on transfer to airlines, I count it as the equivalent as 1.25 points per $, and while points are very flexible, transfers are not instant.

I am wondering if anyone has any ideas for best value for BUSINESS everyday spend account.

September 23, 2016, 02:31:00 PM
Re: 2016 Election Pick Your Poison Master Thread

Finally an argument for Trump even stronger than the SCOTUS argument!

September 26, 2016, 05:30:01 PM
Re: Interesting Articles...
Unfortunately, that battle is already lost
אפילו חרב חדה מונחת על צווארו של אדם אל ימנע עצמו מן הרחמים!

October 06, 2016, 08:17:29 PM
Re: The Pros And Cons Of Where You Live
Are you black or white?
Neither. I am ExGingi.

October 07, 2016, 11:00:37 AM
Re: The funny/strange/interesting/random pictures thread
The UPS driver in crown heights made a shiduch.
Our previous UPS driver was an Arab (originally from Jerusalem) named Mohammad. He was super friendly and knew everyone on his route, we even used to give him some home made Challah if he had a delivery for us on a Friday. When he was replaced with our current driver, Henry, I thought we'd never get the great service we got from Mohammad, but while Henry doesn't have the personality of Mohammad, there's no doubt in my mind that UPS has a company culture and training to be friendly and helpful, something that cannot be said about FedEx.

November 02, 2016, 02:20:39 PM
Re: any accountants out there that i can ask a question?
Is Unemployment Insurance the same thing as Disability Insurance?

Unemployment insurance is an assessment every employer pays as a percentage of their payroll. The rate will vary with experience (i.e. an employer with high employee turnover might have a higher rate than an employer with very low turnover).

Workers Compensation is a policy every employer must have in order to cover their employees in case they are injured on the job.

Disability Insurance is private insurance that would replace (a portion of) one's income if they are too sick or injured to work. It can be an employer based group policy, or an individual policy that would cover an insured even if they switch jobs. NY State also has something called DBL, which provides a minimal disability benefit (IINM something around $170/week for up to 26 weeks) which is paid by employer, who may in turn also bill a small portion to the employee.

November 04, 2016, 11:44:37 AM
Re: any accountants out there that i can ask a question?
Is Unemployment Insurance included in payroll or you need to file it separately?
It's filed/paid as part of the quarterly payroll taxes.

November 04, 2016, 11:51:07 AM
Re: 2016 Election Pick Your Poison Master Thread
Betting market almost 50/50
Brexit replay anyone?

November 08, 2016, 09:49:11 PM
Re: 2016 Election Pick Your Poison Master Thread Lots of people and media drawing parallels to Brexit, reminds me of
November 09, 2016, 05:30:00 PM
Re: 2016 Election Pick Your Poison Master Thread
Here's a prediction: In two months from now, we'll all be shocked at how normal a person Trump is. In six months from now, we'll almost have forgotten the crazy campaign season of 2016.

I would like to make another unpleasant prediction. In a couple of months people might be reminded that Trump is not really a conservative. Let's just hope that Congress does the right thing over the next two years, and that Trump's cabinet and other appointments turn out for the good of this country.

November 10, 2016, 09:49:56 PM
Re: Flights cancelled - strike posibble in the coming days/weeks at El Al
If this happens on their 001, I think they will be bleeding passengers and they know it. Their arrogant culture is coming back to roost.

November 14, 2016, 12:58:35 PM
Re: Flights cancelled - strike posibble in the coming days/weeks at El Al
I have a elal flight leaving Tuesday from Newark.
Anyone know if it'll be canceled?
Only Hashem knows.

If I were you I would ask ELAL for a refund and book on an airline that has a better chance of getting you there when you expect to.

November 20, 2016, 10:28:57 PM
Re: Kinnus HaShluchim This one looks like it's before my times:

This might be from my times, though I can't recognize the faces.

Anyone have any other photos?

November 21, 2016, 04:15:01 PM
Re: Chase Reconsideration
Just stop,. there is no need to just argue with everything anyone says.(I'm not just talking about this thread)
Maybe we should just have the mods prune off this discussion and make a dedicated master thread for jsk173 arguments.

November 26, 2016, 11:04:52 PM
Re: Chase Reconsideration
You shouldn't be using that in this context, it's reserved for jsk173

November 26, 2016, 11:07:13 PM
Re: Need picture of an unactivated H2O SIM I used to buy them when I got 10 UR points per purchase on Freedom. I might still have some laying around. What do you need?
November 27, 2016, 07:59:32 PM
Re: Kinnus HaShluchim I used to go to the banquet for quite a few years, as a good place to meet friends, until it just got too big.

My brothers-in-law went this year too, and were extremely disappointed. I've heard from quite a few that this year wasn't so good.

November 28, 2016, 08:04:56 PM
Re: The funny/strange/interesting video thread...
November 30, 2016, 11:35:54 PM
Re: BASICS Men's Slim Wallet $10!
Ahaha I just bought 1 for myself
Are you a true DDFer? Only 1 slim wallet will hold all your cards?

December 01, 2016, 10:36:24 PM
Re: The funny/strange/interesting video thread...

PW: chabad

Warning: language.
Amazing video. The end is heartbreaking.

December 05, 2016, 07:59:51 PM
Re: 2016 Election Pick Your Poison Master Thread
Yes, true! From one extreme to the other! Of course it's just my experience but it's interesting that we've encountered the same thing.

I would say that in places like Crown Heights, it's a little more than meets the eye at first. I would say that a portion of the Black community might feel threatened (not unlike the more traditional feel threatened by the young modern crowd, though at a very different scale). But once they have a personal experience or interaction, they are excellent friends and neighbors (mostly).

December 07, 2016, 05:04:25 PM
Re: Crown Heights master thread
I wouldn't call that a review.
Let's just agree to disagree.

Different reviewers have different styles.

December 14, 2016, 10:20:04 PM
Re: Master Thread of Pet Peeves
Similar to turning the cupcake wrapper into gum?  ;D
Cupcake wrapper, gum, they're all repulsive. Chewing should only be done as either a part of eating, or cleansing one's mouth, and in the latter case it should only be done in private.

December 19, 2016, 04:49:05 AM
Re: Azerbaijan Air: New York (JFK) to Tel Aviv (TLV) at $479.58 RT
anything for Pesach?
This is DDF for crying out loud, these kinds of posts belong in the DDMS comments, to be quoted in this thread

December 27, 2016, 12:18:20 AM
Re: Pentagon Tools 5060 Tire Skates 4 Tire Wheel Car Dolly 12" (Pack of 4) - $39.99
Lol, I hope this doesn't get that far.. ;)

This is how it progresses:

First someone writes

Great thing to have when some chutzpenyaker decides to block your driveway!

You show them by pushing there car 2 spots ahead and leave them with a dropped jaw!  ;D

Really considering on buying this.

to which someone comments

Only problem is that they probably blocked your driveway because there was no other space available. Also by the time you jack up the car on four corners, move it and then remove the dollies again using a jack, that person might already be back.

So a third guy corrects the original suggestion and says

move it to the spot by the pump or bus stop.

and the second guy says that

I can just imagine a video of that (pushing a car on dollies half a block away - try that on narrow bp streets) going viral.

Once he hears about the video, the original guy says

I got to see it in real...someone on the ddf if not myself must post a video of this!

A freilechen Chanuka! ;D

January 01, 2017, 01:55:28 PM
Re: Azerbaijan.
In Uzbekistan by the mountains of Dijan between the borders of India and Afghanistan ...
never knew it meant Azerbaijan!
Most definitely does not. Though in the many years since then, Yakov might have reached Azerbaijan riding on his tractor. After all he wasn't native to Uzbekistan Tajikistan, and we all know he ran away from the village where he was going to be drugged into marriage.

January 02, 2017, 01:34:48 AM
Re: Taharas Hamishpacha Article Discussion For The Married Folk...
From personal experience, driving an hour and 15 minutes qualified.
I am sure my DW would consider anything, which could be reached by any means of transportation while open (or can be opened specially for her) enough of a sha'as hadechak to make me do anything to get there. If I would dare to suggest asking a Rov about traveling an hour and 15 minutes to reach a bor al gabei Bor mikvah, she would think I am going OTD.

January 09, 2017, 07:31:05 PM
Re: Things that make you go WHAT!
I don't like cornbread. It is like not offering ketchup for French fries.  :)
Ketchup on French Fries? That for toddlers (for whom ketchup serves as the grease that can get almost any food down).

French fries should be topped with Salt. Period.

If one wants some added flavor, have them with fresh tomatoes, or dip them in the juice of a steak.

January 11, 2017, 01:16:57 PM
Re: DDMS Redesign Branding - Help us choose. #2 reminds a little of TD Bank.
January 15, 2017, 10:56:52 AM
Re: Israeli SIM cards available for short term rental
I want to have the same cell # every time I go to EY (few x/yr).  Also want a US #.  What's best way?  Thx.
Depending on what you have in the US, and how long or short your trips are, you might just want to get for an Israeli number and keep your US SIM.

OTOH you can get a Golan SIM for 49 Shekels and a plan for 39 Shekels per month (rate guaranteed for 2 years) so that would cost you about $13 up front, and about $11/month thereafter. When you are in the US you can post on this board and rent out your SIM to recover some of the costs  :)

January 17, 2017, 06:46:41 PM
Re: 2016 Election Pick Your Poison Master Thread
"Tomorrow, let's come together as Americans and be grateful for the peaceful transfer of power from the Iranians to the Russians."
And close this thread, just to start a new one titled: "The January 20th, 2017 high noon sigh. A sigh of relief, or a sigh of anxiety?"

January 19, 2017, 11:06:41 PM
Re: For the old age: The LMS thread
I hate construction in the Holland tunnel...
Why? With a name like yours, you shouldn't be doing tunnels!

January 20, 2017, 01:24:23 AM
Re: Keeping Up With The Kushners
We all do aveiros, so precisely where do we draw the line?
Firstly, let's try to use the Torah method and say that we aren't perfect in keeping all mitzvos.

The line is drawn when a person finds justification for acting against halacha, or says that it is right to do so.

January 24, 2017, 04:25:16 PM
Re: Keeping Up With The Kushners
Idk how much you guys "get out there" in the secular world but here's a story for you, I had a coworker a few years ago I became friends with who ate dairy out and his family didn't keep shabbas at all growing up. While in NYU he met a Rabbi that he's still in touch with this to this day, drives out weekly at night to learn with him. As we chatted more and more, he made strides in eating out less, fasted with me whenever I told him it was a fast day, and just in general had many good conversations about Jewish philosophy. God plays a big part in his life, he's doing his best, and it made me realize how much I took my "head start" for granted. Some of you would call him conservative, to me he's way frummer and more genuine than myself, who you would probably call "modern orthodox" if you saw my spec sheet (I keep shabbas, kosher, but I'm not perfect and don't daven with a minyan except on shabbas, I don't learn enough and I grew up in JDS system with 0 excuse).
Why would anyone call him "conservative". He is obviously a תינוק שנשבה and is growing in his yiddishkeit as he is learning. Who knows, he might even get you to daven daily with a minyan and have daily learning with him :)

January 24, 2017, 05:42:26 PM
Re: Slogan for Dan's Deals
Temporary, just to improve forums & connect to DDMS2.0
An old colleague from my IT days used to say "there's nothing more permanent than a temporary fix." (There was a huge sophisticated piece of code that we kept on using that had in the top comments the words "temporary solution" written by the guy who came up with it.

January 24, 2017, 07:32:06 PM
Re: [02/01 11AM New Poll] DDMS Redesign Branding - Help us choose A Logo
I knew someone would say that. so are comparing DDF to Torah....
I don't want to be on that boat.
Not at all, but it is about having a גמרא קאפ!  ;)

But as I wrote above, I don't think it's about flipping pages, it's about revealing the back-end inside intricacies, extra details behind the deal as it appears prima facie.

February 01, 2017, 04:49:55 PM