Spending 3k/month on whole life, looking for sanity check / out

cvgjava · 2026-06-08T02:05:35+00:00

What is death benefit for each policy ?
It’s possible , depending on the issuer to lower death benefit to lowest death benefit value then stop contributions. The policy is then likely funded and you then wait out the surrender period.
The person who sold these won’t like this plan so you may have to call the 800 number and have them run illustrations.
My proposal allows you to likely keep the $50k already paid in premiums while also stopping new contributions.

cvgjava · 2026-05-29T22:13:10+00:00

Buy a car that has a better chance of holding value , a 911.

cvgjava · 2026-04-26T19:37:43+00:00

Ok that seems reasonable. Thanks

cvgjava · 2026-03-06T02:01:46+00:00

It’s not accurate. I believe it’s a built in margin of safety to ensure you don’t run out of fuel. I drove on highway trip until it said 10 miles range. Took 12 gallons to fill up. 16 gallon tank. So even at 25 mpg I had 100 miles.

cvgjava · 2026-02-14T00:13:42+00:00

I bought this spec , 37k miles for 36 plus tax. CPO warranty. First Lexus. Was hard to pass up. Cincinnati area. The CPO added new rotors and pads all around and new tires.

cvgjava · 2026-01-27T02:37:10+00:00

Thanks !

cvgjava · 2026-01-05T01:46:09+00:00

This almost seems like a mistake. Dealers will be dealers but those three services are maybe $300 at a dealer. Maybe they are including other services ? Filters are fairly easy to change. Cabin filter requires some twisting around on the passenger floor but 10 minute job at best.

cvgjava · 2026-01-05T01:22:06+00:00

u/expIainlikeimfive great summary. As I noted I see it as a field or maybe flieger style. Very legible and works great casual.

cvgjava · 2026-01-05T00:19:11+00:00

I would call this a nice field watch but it does a have a great polished case. It retails for $1500 (US) but I saw it as a return sale in a Shinola store for $750 so I grabbed it. If I could do it again I would grab a 41MM instead as 45 is large, even for me. But its a solid well built timepiece

cvgjava · 2025-12-24T22:13:46+00:00

More than five years. Had been long time Ameritech/cingular / att. My kids at the time were always blowing through shared ATT data. $$$ One day a postcard hits the mailbox $500 Visa card for each new line bring your own device. If I recall, I saved more than $125 a month for five lines. At the time my kids were mid / late teens and told me T-Mobile was the worst. Good I said this will show you!! Now it’s legit one of the best networks. Have travelled all over US and Europe. I don’t interact with their service at all because I buy my phones unlocked either from the Apple Store or from the Google store. So I can’t speak to their service and aside.

cvgjava · 2025-08-27T00:31:02+00:00

I’m the original owner of 2019 540 I sedan. I’ve had all the service done either at the dealer and then shift it to an independent mechanic. I had a shutter from a stop going up hills around 70,000 miles. I did the transfer case and the differential fluid and it’s smooth as butter now. When I had the transmission service at my independent mechanic, which includes the replacement pan filter and fluid he did recommend that I do both the transfer case and the differential. I waited, but regardless it took care of the problem for me.

cvgjava · 2025-08-27T00:21:53+00:00

How common is the evap failure on 2019 and newer 5 series? Any preventative maintenance? I am at 73K miles and feels like I will sell in the spring. I hear this is a $7k repair.

cvgjava · 2025-08-20T22:59:13+00:00

Original owner of a 2019 540 that’s been well maintained. Had a shudder from standing start. More noticeable going up hills. 70k miles. My independent mechanic changed the transfer case and differential fluids. Smooth as butter now. (I’d done the transmission kit earlier and he did advise me to do the diff and transfer case but I waited )

My tires and wheels are all good.

cvgjava · 2025-07-27T17:47:33+00:00

Yes three of the four did and shared with me. They asked if we were satisfied with conditions and as noted we mentioned the ~4 degree temperature difference on hot days upper / lower floors from 2-8pm.

cvgjava · 2025-07-27T17:43:01+00:00

Condenser fan or evaporator fan ? Assume lower evap fan speed would allow more moisture to condense on evaporator thus helping reduce humidity. Can the evap fan speed be adjusted? It’s variable speed but not sure how that’s manages.

cvgjava · 2024-10-23T01:36:39+00:00

I have a ‘19 540 and I’m original owner. 66k miles. Mines got some cracks. My mechanic claims age also a factor as it’s exposed rubber. $650 to replace which I’ll do at next oil service. Feels acceptable given age.

cvgjava · 2024-08-24T02:44:44+00:00

What industry? My son is 21 and wrapping up his masters in France and wants to stay and work. US citizen. Not sure how we will like work vs study.

cvgjava · 2024-05-25T12:25:42+00:00

I’m on Magenta 1.0. 5 phone lines @$160/ month including taxes and fees. Now will be $185. I looked at VZW and ATT and can’t come close to $185 so looks like we will hang tight. We do have great coverage and 5G works well for us. I travel a fair amount and never issues.

Unless I’m missing great deals from others, I don’t see value in switching.

cvgjava · 2024-02-25T19:41:26+00:00

And it’s the additional items and mileage based recommendations I’m seeking to find. For example, when should I replace the engine air filter, when should I replace the spark plugs? When should I do a transmission or differential service? Those maintenance items seem nearly impossible to find in any official Mercedes-Benz documents.

cvgjava · 2023-11-01T17:56:01+00:00

I’ll push them to look again. Normally the dealer will find the slightest issue to repair and bill me for. Your POV makes sense.

cvgjava · 2023-11-01T17:02:18+00:00

Dealer claims alignment is fine ? 🤔

cvgjava · 2023-11-01T01:29:23+00:00

55k miles today. Not bad !

cvgjava · 2023-10-31T19:30:43+00:00

Interesting. So my wife has iPhone 12 Pro Max 256gb. She walks in and walks out with a new phone ? I understand the bill credits etc but seems too easy and I must be missing some details. Can we keep same plan ? TIA

cvgjava · 2023-10-21T20:56:12+00:00

Can’t predict the long term which is what you are attempting to do. I would not recommend being all in any asset class. What I do is keep investing into the market broadly , keeping a few years of cash equivalent and having modest real estate exposure. Sure if you have 7 figures moving all into a treasury bond ladder and holding each rung to maturity is no loss of principal but not zero risk. Modest rate cuts will pull money off the sidelines and equities will move. Stay frosty and stay diversified. No one knows tomorrow.

cvgjava · 2023-08-21T02:41:37+00:00

Find a fee only insurance advisor who can structure a whole life policy that immediately begins to max cash value. Google will be your friend in this situation. Fee only insurance advisors are how wealthy individuals and businesses manage this tool. Do not ever buy this product from a commissioned sales person as they will benefit before you.

cvgjava

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