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Messages - ADG

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166
General Discussion / Re: Best Mattress?
« on: September 12, 2018, 01:21:37 PM »
im also in the market, T&N are foam mattresses as are casper and I imagine the W was a traditional. What are some of the reasons one would leave the traditional (hotel style) mattresses.


167
Credit Cards / Re: Citi Premier Master Thread
« on: September 05, 2018, 10:40:06 AM »
Receiving an AA bonus does not disqualify me to receive the TYP bonus, correct?


168
General Discussion / Re: The value of kids - when parents grow old.
« on: September 04, 2018, 05:14:21 PM »
Where do you get that information from?

Get your facts right.

Ill admit I dont remember the name of the company or the exact percentage but I remember that is was substantial. Essentailly squeezing the policy owner to take less now. But please, do tell which company will offer 100% for a LTC?

169
General Discussion / Re: The value of kids - when parents grow old.
« on: September 04, 2018, 03:32:11 PM »
The point of the rider is to allow you to use the death benefit either as a death benefit or a long term care benefit. So what are you forfeiting? You're using it during lifetime (hopefully on a tax free basis)!

They do not give you 100% they penalize you to take 60% of the DB without giving the other part ever.

170
General Discussion / Re: The value of kids - when parents grow old.
« on: September 04, 2018, 02:10:59 PM »
Correct me if I am wrong. The rider allows you use the death benefit to cover LTC (i.e tap into the funds earlier). All the companies I have seen offer this, will make you forfeit a percentage of the DB to tap into it for the LTC.  If you know of a company that doesnt do this, please let me know.

171
General Discussion / Re: Stocks
« on: September 04, 2018, 12:42:28 PM »
During the 2008-09 crash Amazon traded at $30. Even in 2015 could have been bought at $300. I am sure some investors are still holding from these prices.  Even better NFLX is up from $5  in 2013 and reached a whopping $420?? 
IMHO I think the big money was already made in stocks, very very overextended, and when the selling starts it'll be bad .

Here is a monthly chart of NFLX.

https://www.tradingview.com/x/GAxZznwZ/

How are you preparing?

What time line are you giving it?

172
General Discussion / Re: The value of kids - when parents grow old.
« on: September 04, 2018, 12:29:17 PM »
When would you lose the death benefit?

The bottom line is that insurance is meant to protect you (your wealth) from eroding factors, and not as a windfall.

If you have a combined Life/LTC policy, and G-d forbid experience an event that could trigger LTC benefits, your options would be to pay for the expenses from current after tax income and assets (though if you exceed the threshold you could get a tax deduction on the expenses) or to pay for it from policy benefits (which were purchased at a discount). Either way you would be using up assets, the only difference would be what way is more efficient.

I have looked at a few LTC riders and those that offer it offer to pay it out now at a very low %. So you are essentially forfeiting 30-60% of Death Benefit if you use the rider. How is that more efficient?
 

173
General Discussion / Re: A advice about air purifier
« on: August 30, 2018, 10:26:38 AM »
Is their any criteria one needs to meet to be qualified to give you advice that will be useful?

174
Up In The Air / Re: Where to spend sukkos
« on: August 21, 2018, 03:54:02 PM »
Any suggestions?
barely any organized tours avail... so were left to our own devices.
since Chol Hamoed is great this year pref someplace interesting to tour.
We've already spent yt and summer vacations in the following places so were looking for someplace new interesting and out of the ordinary.
Israel (Duh)
Europe - Italy, Spain, Belguim, UK (london manchester), France, Switzerland, Amsterdam, Iceland, Greece
US Most of the US (excluding Hawaii- is that a decent option?)
Cancun
Australia


We didnt really yet explore south america, Asia , South africa

Any advice would be very helpful!

That is pretty cool. Can I ask what you do for a living? (just because I want to do something similar:)

175
General Discussion / Re: Real Estate investment
« on: August 20, 2018, 05:31:34 PM »
sounds like they are not able to collect rent. That neighborhood is full of non-rent-paying-gangsters and other unsavory creatures.

176
General Discussion / Re: Looking to Buy a Profitable Business
« on: August 20, 2018, 05:28:06 PM »
Now that we've established my Q is valid....

177
General Discussion / Re: Looking to Buy a Profitable Business
« on: August 20, 2018, 10:18:41 AM »
seriously what are some of the issues or pitfalls with buying a business, assuming you do due diligence.

You start with cash flow and processes in place, inventory, customers etc..

Investors are essentially buying businesses all the time they just dont run them.


178
General Discussion / Re: Liqour/Whiskey/Bourbon Master Thread
« on: August 19, 2018, 11:04:56 AM »
Who would know? This is big deal

179
Put them in a points pool and swim in them

180
General Discussion / Re: Liqour/Whiskey/Bourbon Master Thread
« on: August 16, 2018, 02:33:32 PM »
The make many types of Wiskey, rum, vodka tequila ect. Are they all not kosher?

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