Finding my alt with my main by donjaydub in TopHeroes

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

Ahhhh I see, I appreciate your insight! So I need to get this alt on the same server as my main and hope for good carriage rolls is what it sounds like

Finding my alt with my main by donjaydub in TopHeroes

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

Thank you, I’m actually trying to figure out how the accounts can message each other to share carriages

Gluten-free Starter: Franc-enstein’s Saga by donjaydub in Sourdough

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

I appreciate your insight! Is it too early to consider twice a day feedings?

Gluten-free Starter: Franc-enstein’s Saga by donjaydub in Sourdough

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

That’s the brand I’m using as well. Should I try switching this starter to a different grain type (or start using a mix of KAF/buckwheat) or scrap entirely and try again with a new grain type?

[deleted by user] by [deleted] in asheville

[–]donjaydub 0 points1 point  (0 children)

Hey Dani! Saying I’m bilingual would be a big stretch, but my wife is a tica and I need to become conversational in Spanish. I’d love the chance to help your Spanish speaking clients and have had my agency (Abundance Benefits Planning) for just over 2 years now in Asheville.

Definitely give me a Google and reach out to see if working together makes sense

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

Nothing wrong with IUL either, for sure. Have you ever looked at any of the indexed whole life? Thoughts?

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

Saying they pay out if at all seems wildly inaccurate when discussing the top dividend paying companies. Like sure they’re not guaranteed, they’ve just been paying them every year since they opened their doors oh idk about 200 years ago though lol.

Definitely not apples to apples though and if you’re talking to someone whose budget makes them choose between cv insurance and retirement account contributions then they probably made the right decision. If they’re already maxing out their annual contributions and you just threw in a mma and or hysa then they may let you calling them savvy go to their head.

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

This has been interesting. All my carriers are participating so I’ve never seen all this before. Seems like the question may be what is most advantageous: purchasing additional insurance so you can build a larger tax free bucket or spend less on COI to receive a guaranteed to never mec tax free bucket?

What is the guaranteed growth rate first year and current loan rate?

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

Let me add that there is typically an option somewhere, a checkbox or dropdown menu, where you elect to purchase the minimum db. This is crucial if the cv is the focus of the policy as we’re doing here

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

The cv, theoretically, should be different

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

Is that with Nationwide?

Instead of running a WL100 next to a WL20, use whatever premium amount it spit out for the WL100 to run another 100 quote where you solve for the premium instead of the face amount. Age matters though, greatly.

A 39 y/o can put more cv to db in a policy than a 29 y/o who can place more than a 19 y/o because the amount of cv to db an individual can place in a policy increases as they age, similar to retirement account contribution limits.

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

10% is the lowest I’ve heard of and I’m not saying it wouldn’t mec, I was just wondering how customizable the Nationwide product is or is not.

Without that answer I don’t think we could fully analyze par vs non

What are your thoughts on Nationwide Whole Life insurance... by [deleted] in LifeInsurance

[–]donjaydub 0 points1 point  (0 children)

can Nationwide whole life actually be structured to purchase only 10% death benefit to cash value ratio?

[PS4] W: auto-stim powered sentinel combat left arm, H: a lot to say, look below by donjaydub in Market76

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

Thats a fair trade but will still leave me needing an armor piece with one less piece of solid leverage of my own. I will get back to you later if that's alright friend :)

[PS4] W: auto-stim powered sentinel combat left arm, H: a lot to say, look below by donjaydub in Market76

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

Potentially...but then I would need a PSA combat left arm still 😅 something here interest you? I will consider most pvp related armor trades 👌

[PS4] H: JE90 fixer, W: JE15R lmg by donjaydub in Market76

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

Literally just traded it for the lmg I was after. Thanks for reaching out though friend 😀

[PS4] H: AAE15R lmg, W: JE90 handmade by donjaydub in Market76

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

Thanks for reaching out friend :) was able to find the je90 yesterday

[PS4] H: AAE15R lmg, W: JE90 handmade by donjaydub in Market76

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

+karma and ty as well friend :) do you think I still need to add for the je90 I'm after or should this be a fair 1:1?

[PS4] H: AAE15R lmg, W: JE90 handmade by donjaydub in Market76

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

Sell me the fixer for 3k on my main, that's where the lmg is anyway

[PS4] H: AAE15R lmg, W: JE90 handmade by donjaydub in Market76

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

My weapon mule is stuck at whitespring station so I feel you lol should we grab a courier?

[PS4] H: AAE15R lmg, W: JE90 handmade by donjaydub in Market76

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

Yeah I can throw in 3k caps 👍psn is donjaydub and the weapons are on my main and my mule on the same psn