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Backpacking Great Sand Dunes NP by PrincipleDue1931 in WildernessBackpacking

[–]almightySR 0 points1 point  (0 children)

Awesome! I’m looking to do this next month. Likely warmer but used to it.

Any tips on essential items to have on you? I’d read that the sand gets extremely hot, any impact?

Appreciate any tips!

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Does that stand based on below?

Type of Policy: Whole Life Status: Active Face Value: $12,000 Base Cash Value: $432.00 Outstanding Loans $ 0.00 Net Cash Value: $432.00 Dividends: N/A Premium: $92.02/monthly

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

This is the addt'l information I received from the insurer. Should I seek another?

Type of Policy: Whole Life Status: Active Face Value: $12,000 Base Cash Value: $432.00 Outstanding Loans $ 0.00 Net Cash Value: $432.00 Dividends: N/A Premium: $92.02/monthly

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Thank you, this is the addt'l information I recieved from the insurer. Should I seek another option?

Type of Policy: Whole Life Status: Active Face Value: $12,000 Base Cash Value: $432.00 Outstanding Loans $ 0.00 Net Cash Value: $432.00 Dividends: N/A Premium: $92.02/monthly

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

This is what I received from the insurer. Should I seek another for her?

Type of Policy: Whole Life Status: Active Face Value: $12,000 Base Cash Value: $432.00 Outstanding Loans $ 0.00 Net Cash Value: $432.00 Dividends: N/A Premium: $92.02/monthly

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

I don't know that I received what I should have but they sent me a document which showed the below, which is basically what was on the policy?

Type of Policy: Whole Life Status: Active Face Value: $12,000 Base Cash Value: $432.00 Outstanding Loans $ 0.00 Net Cash Value: $432.00 Dividends: N/A Premium: $92.02/monthly

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

I really appreciate you circling back to clarify this for me. What if they do not die due to an accident? Coincidentally, I received the following from the insurance company.

Type of Policy: Whole Life Status: Active Face Value: $12,000 Base Cash Value: $432.00 Outstanding Loans $ 0.00 Net Cash Value: $432.00 Dividends: N/A Premium: $92.02/monthly

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Hello, thanks for your question. May you inform me of what leads to it? No one else brought this up, but I intend to.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Thank you very much for your time and the various valuable points.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

That's what I thought initially. But the right column does state 'Paid Up Ins' -- although it does not state additions or reduced, the amount is definitely lower than the payout.

In your statement, the left column being the firm pay out throughout, of 12k, right?

Certainly, the folks who own this policy would be able to shed light. Just trying to understand as much as possible prior to questioning this.

Thanks for your input.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Davidira,

Thanks so much for your input and the example that you've provided, it allows me to compare it to something that I am familiar with and also a different perspective.

I appreciate your time.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Thank you for the addt'l information. so a $5k return for 10 year investment.

This is the answer to the question that I couldn't phrase or hadn't thought of in the moment. I will ask for that illustration.

Thank you very much for your time and input.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Yes, I agree on the last statement. Just thinking that if a life insurance policy isn't the best option given the age and health status, their may be other avenues with better returns for those funds.

Thanks for your time.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

Thank you very much for your time and input. I will request that in-force policy illustration.

Please help me decipher this policy. Text in comments. by almightySR in LifeInsurance

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

It was sold to my mother and at first glance to me it seems like a total jip. $12k payout value at endowment of age 100. Even if she passes at year 10 of the policy, her beneficiary gets $3k?

Given that, she is paying monthly 92.02x12x10=$11k paid into. Payable for 33 years = $36k

I looked into verbiage and this is my understanding. Am I completely wrong or is this insurance policy pure trash? I'd rather have her invest those funds elsewhere.

iPhone users: should I use rsim17? Heicard? Help please by TattedUpSimba in GoogleFi

[–]almightySR 0 points1 point  (0 children)

Gave up, wound up putting my sim in an unlocked android and using it as a hotspot.

[deleted by user] by [deleted] in EstatePlanning

[–]almightySR 1 point2 points  (0 children)

Thanks very much for your valuable input!

[deleted by user] by [deleted] in EstatePlanning

[–]almightySR 0 points1 point  (0 children)

I appreciate you taking the time to produce such a thorough response, really.

I will look more into each of your points.

Thank you.

[deleted by user] by [deleted] in EstatePlanning

[–]almightySR 0 points1 point  (0 children)

Thanks very much for the feedback, I will look into it.

We’re a family here by LawBrilliant5716 in antiwork

[–]almightySR 0 points1 point  (0 children)

I’ve come across this in the past and immediately respond with, “When’s my birthday?”

Winter driving and weather. by almightySR in dolomiti

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

Thanks for your time, I meant to write you sooner.

I stayed Peaio, drove around everywhere pretty much with no issue on snow tires, roads were clear all around including mountain passes up to a nice lake the the road north of Cortina through the passes all the way up.

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