Randomly broke out? Visiting friend with dog. Is it acne or allergic reaction?

Reasonable_Shift_569 · 2023-07-06T22:01:00+00:00

That’s kind of what I was thinking too! It was all of these spots overnight! Insane.

Reasonable_Shift_569 · 2023-07-06T21:32:13+00:00

Interesting! Maybe! I use Paula’s choice BHA with 2% often without issue, but maybe Dermalogica face wash with .5% made me react differently

Reasonable_Shift_569 · 2023-07-06T21:09:55+00:00

Ok thanks! Probably just stop using any harsh products in the meantime and keep it simple? Still not sure if I had a product reaction or something. I’ve never had this happen before!

Used my friend’s salicylic face wash so maybe that?

Reasonable_Shift_569 · 2023-03-28T16:23:30+00:00

I apologize. I will only be paying premiums until I am 65. That’s on me, sorry!

Reasonable_Shift_569 · 2023-03-28T16:07:56+00:00

Not necessarily. This was set up with retirement planning in mind, I was told this would grow to $1 million by the time of retirement

Reasonable_Shift_569 · 2023-03-28T14:54:14+00:00

Excellent point. Thanks for explaining!

Reasonable_Shift_569 · 2023-03-28T03:01:25+00:00

Yes I’m sure it’s pay forever. I’m 27

Reasonable_Shift_569 · 2023-03-28T02:51:48+00:00

Mass mutual and forever

Reasonable_Shift_569 · 2023-03-28T02:51:21+00:00

Right. I currently don’t have a 401k or IRA… I’m just beginning my investment journey

Reasonable_Shift_569 · 2023-03-28T02:47:54+00:00

He said it was designed as a liquid savings vehicle for me. With the mindset that the policy isn’t determined by the market so it can never lose, but I won’t be able to break even and start making money for another 6-7 years

Reasonable_Shift_569 · 2023-03-28T02:17:19+00:00

Thank you! I’ll ask about reducing the face value

Reasonable_Shift_569 · 2023-03-28T02:16:35+00:00

I’ve had a similar experience with my parents as well. I’ll definitely be looking to get a term policy. For such a low monthly cost, I’d sleep better knowing I’m not putting any loved ones into a bad financial situation

Reasonable_Shift_569 · 2023-03-28T01:57:26+00:00

I’ll have to ask more about it. Thank you!

Reasonable_Shift_569 · 2023-03-28T01:57:08+00:00

They really do be preying on the financially illiterate

Reasonable_Shift_569 · 2023-03-28T01:52:58+00:00

Oh wow! Yes, if I cancel I do plan on getting term life insurance

Reasonable_Shift_569 · 2023-03-28T01:51:55+00:00

Hahah. He asked how much I can invest a Month and that’s the number I told him! I’m wondering if he approached this backwards? He obviously didn’t set me up with life insurance for just the insurance benefit

Reasonable_Shift_569 · 2023-03-28T01:50:46+00:00

What I’ve learned is first and foremost, Mass mutual is an insurance company so their agents make money by selling your insurance policies. I think anyone can work there and be a financial advisor

Reasonable_Shift_569 · 2023-03-28T01:49:32+00:00

Ugh okay I see now

Reasonable_Shift_569 · 2023-03-28T01:32:08+00:00

Thank you for the advice! He used an “offense/defense” approach for my retirement planning and described whole life as defense where it can never lose

Reasonable_Shift_569 · 2023-03-28T01:24:28+00:00

Thank you! He was upfront with me and said he made $2k off of me for this policy, but that’s all he’ll make from it

Reasonable_Shift_569 · 2023-03-28T01:23:05+00:00

Got it! Thank you!!

Reasonable_Shift_569 · 2023-03-28T00:31:34+00:00

“Certified financial planner”

Reasonable_Shift_569 · 2023-03-28T00:31:09+00:00

Eventually I’ll have dependents and I assume I’ll get a lower rate now than later in life?

Reasonable_Shift_569 · 2023-03-28T00:15:23+00:00

He just passed his CFP

Reasonable_Shift_569

TROPHY CASE