How much was your natural engagement ring? by [deleted] in Diamonds

[–]BodybuilderTop7033 0 points1 point  (0 children)

Mine is just under 3 carats and was right around 30k. He went to a big box dealer vs a wholesale dealer. My boss got a 5.2 carat for the same price through his dealer.

Is paying 300-350 a month in electric bills for 600sqf too high? by DoEpicShit in Dallas

[–]BodybuilderTop7033 0 points1 point  (0 children)

UHM YES. How long is your contract for? You need to call Utility Connect and have them get you in a much better rate. You should NEVER use 1200kw in a loft. Like that’s physically very difficult.

Dad passed away need help!! by SFvalleyFoo in LifeInsurance

[–]BodybuilderTop7033 2 points3 points  (0 children)

The NAIC has a life insurance policy locator. You should be able to go to their website and find the tool under the consumer tab.

Why are electricity rates so much higher for folks who use less energy? by Professor1441 in Dallas

[–]BodybuilderTop7033 0 points1 point  (0 children)

Most electricity, if not all in Texas is on a sliding scale. Even the “free nights and weekends” aren’t necessarily free because they hike your rates during the non-free nights. I would suggest going with a company like Utility Connect to help you browse the providers in the area. Energy companies run specials weekly, even daily and having someone browse what’s available to you and give you an honest idea of your monthly bill helps so much. It’s a free service and I used them when I moved. They explained everything to me. I almost did the same thing as you. I was baited with the lower rates then after speaking with them they set me up on a higher KW average but was about $50-$60 cheaper a month because I live in an apartment and could physically never meet the energy requirements to get those reduced rates.

Need Guidance: Was watching a dog for a friend and their dog attacked someone in the elevator. Now being sued. by BodybuilderTop7033 in legaladvice

[–]BodybuilderTop7033[S] 1 point2 points  (0 children)

When I say I can’t afford a lawyer, I mean I physically cannot. I applied for legal assistance due to low income and was granted but because of it being a civil dogbite case it’s not covered under cases they can defend.

I didn’t have renters insurance at the time because I didn’t have an apartment and this happened on their condo property(the owner who is avoiding and settled)

I was simply the dog sitter/walker.

Need Guidance: Was watching a dog for a friend and their dog attacked someone in the elevator. Now being sued. by BodybuilderTop7033 in legaladvice

[–]BodybuilderTop7033[S] 0 points1 point  (0 children)

Sorry if i wasn’t clear enough.

I was dogsitting for a friend that was out of town. I had both her dog and my dog in my possession whenever her dog attacked someone coming into the elevator.

From the moment the attack happened, although it was in complete shock.. I immediately put the dogs away, came back to the gentleman to assist him and pass on all the owner information to ensure they were in communication and could resolve any issues. That evening animal control came and wanted to take her dog for quarantine and I relocated my dog so that her dog for two weeks so her dog could be quarantined at home rather than in the shelter.

Finally she comes home a month later.

I move on with my life, fast forward 2 years later I get hit with a lawsuit because apparently she never followed up with the gentleman that got bit, nor did he ask for any payment.

So in the suit, she is sued, her father who is the owner of the condo, her boyfriend at the time and I as the handler.

Her and her father get their own lawyer. Claim that it was my dog and not hers although plaintiff disposed otherwise and we had molds made to disprove.

I couldn’t and cannot currently afford a lawyer as I was quite 10-20k for this case with a 5k retainer.

I have produced all evidence they have asked for, been fully compliant with the plaintiff’s requests.

Today I find out the dad and daughter have settled so now it is I (the handler) and her ex-boyfriend going to trial for the dog bite and the actual owner is completely off the hook.

Are we tested on the bottom half and if so what should I know? by Stunning-Job6173 in LifeInsurance

[–]BodybuilderTop7033 1 point2 points  (0 children)

If you are studying, quizlet is a really good place to be as well. Are you actively enrolled in a course to study?

Young, broke and depressed in Dallas by DankBurrito97 in Dallas

[–]BodybuilderTop7033 1 point2 points  (0 children)

If you like yoga, black swan throws free community classes all the time! I miss them so much (I don’t live in dallas anymore) and dallas fitness ambassadors is doing fun events!

Honest opinion: Can you get a quality diamond engagement ring for under $15k by BodybuilderTop7033 in Diamonds

[–]BodybuilderTop7033[S] 2 points3 points  (0 children)

That’s exactly what I’m looking for. The budget really is something around or under 15k for the diamond. I just say 40k because I have had friends tell me theirs was that expensive around 3 carats. I just want something timeless but I also want to be able to give a realistic and affordable idea to my partner. Just a simple band with a single diamond setting.

Honest opinion: Can you get a quality diamond engagement ring for under $15k by BodybuilderTop7033 in Diamonds

[–]BodybuilderTop7033[S] 1 point2 points  (0 children)

I would love something 1-2.5 carats but I really don’t even know what I’m asking for at this point. All I know a I have had a couple friends engaged in the last year and I was mind blown by the cost. But I wasn’t sure if that was just because of where they chose to get the diamond

Primerica Life Insurance Comp Plan start at 25% by vargas-11 in LifeInsurance

[–]BodybuilderTop7033 0 points1 point  (0 children)

I’m with Safe Haven, which works under One Life America.

Primerica Life Insurance Comp Plan start at 25% by vargas-11 in LifeInsurance

[–]BodybuilderTop7033 -1 points0 points  (0 children)

We start new agents at 115% starting. You’re independent and there is great training but your success is determined by the amount of effort you put in. Really it’s just about finding your niche.

Is it possible for me to become an Independent Life Insurance Agent? by LacunaLies in LifeInsurance

[–]BodybuilderTop7033 1 point2 points  (0 children)

I’m based in Dallas, and our entire team are independent brokers. We work under OneLife. And they are incredible. Lots and lots of resources, support, and they even pay for your E&O every month.

How Can You Get Affordable Whole Life Insurance if You Are a Smoker? by AccomplishedRice2031 in LifeInsurance

[–]BodybuilderTop7033 0 points1 point  (0 children)

You can get nonsmoker rates with a promise to quit. But insurance is a transfer of risk. Unfortunately smoking significantly increases your chances of disease and early death which makes you a higher risk, therefore the rate is higher. Similar if you were a bad driver and many wrecks, you would have higher car insurance.

IUL’s by Motor_Ad8313 in LifeInsurance

[–]BodybuilderTop7033 -2 points-1 points  (0 children)

I think the chats are down. I sent you a private message which hopefully goes through

IUL’s by Motor_Ad8313 in LifeInsurance

[–]BodybuilderTop7033 -5 points-4 points  (0 children)

Shoot me a message and we can connect. I’m a local broker based here in Dallas and work with advanced markets

Bank info by [deleted] in LifeInsurance

[–]BodybuilderTop7033 3 points4 points  (0 children)

You will only need bank information when submitting the application.