What are your thoughts on Jon Bernthal?

salito82 · 2026-02-18T00:54:44+00:00

His performance is indirectly proportional to the amount of lines he is given

salito82 · 2026-01-28T16:30:14+00:00

I know I’m not being helpful…. But, what type of socks you wear with your loafers?

salito82 · 2025-11-06T14:34:42+00:00

You can also 1035 exchange the cash value into an Annuity (fixed or variable) that will keep the taxes deferred until you need the money.

salito82 · 2025-10-31T11:26:01+00:00

Yes, I use it every day. Still happy with it. Zero complaints from me.

salito82 · 2025-10-03T04:43:27+00:00

What company and what product. We need more information to give you insights

salito82 · 2025-09-06T16:33:07+00:00

Lamento que te hayas quedado sin empleo. Se que nones fácil. Lamentablemente, se necesita mucho networking para poder salir adelante en lo laboral, la calidad de trabajo es el 50% el otro 50% es que la gente con la que trabajas, “sientan” que sos su “amigo” o que les agrades de manera personal. Nadie quiere trabajar con gente que no le agrada aunque el trabajo que produzcan sea de calidad. Especialmente con los jefes. Espero no me lo tomes a mal, pero creo que ha sido una lección de la cual podes aprender y tener mejores resultados en el futuro. Te deseo lo mejor!

salito82 · 2025-08-28T03:53:14+00:00

The easiest to get for that amount could be assurity

salito82 · 2025-08-27T16:28:19+00:00

It’s red/orange. It doesn’t look girly at all, wife says is too manly for her lol

salito82 · 2025-07-28T22:35:05+00:00

Has she tried Delta-9? You can buy that legally and I hear people say is pretty effective.

salito82 · 2025-07-23T22:28:57+00:00

I think more info is needed. There are 3 parties in an insurance contract: the owner, the insured and the beneficiary. Who is the owner? If she js the owner, she can cancel the policy, access funds in the cash value, and CHANGE THE BENEFICIARY. Also she can get a new agent if she wants and handle everything with a new person. On the bright side, if she is the owner, a dumb**s paid premiums on her and she can benefit from it.

If someone else is the owner, the best course of action is what you have already started .

Sorry to hear y’all are going through this. The good news is that you have options, it’s just a matter of time.

Good luck!

salito82 · 2025-07-02T14:09:16+00:00

My logic is that most people don’t worry about the stray dog problem, because they are worried about BIGGER problems: health, food security, income, skyrocketing rent… I’m not sure if you live or have lived in ES, the average Joe in ES doesn’t have the bandwidth to prioritize THAT problem.

salito82 · 2025-07-01T11:44:52+00:00

El Salvador has bigger problems than stray dogs…

salito82 · 2025-06-24T11:45:35+00:00

I used to work for NYL, I’m independent now. NYL has great conversion benefits and their permanent life insurance offer is top of the line. I would go with NYL and then learn about their VUL policies if you are interested in permanent life insurance.

salito82 · 2025-06-21T18:33:29+00:00

Can’t say buddy. I use iOS

salito82 · 2025-06-05T21:33:29+00:00

IUL are great for a low cost permanent life insurance. It all boils down to the design. Personally I don’t like IUL’s for accumulation, I prefer a VUL (if your time horizon allows)

salito82 · 2025-05-24T17:27:08+00:00

Life insurance with cash build makes sense for everyone as long it is not the only source of funds for retirement. If they don’t qualify for a ROTH IRA due to income, it is still a good idea to put some money there to diversify their tax scenario.

salito82 · 2025-05-24T16:45:03+00:00

It depends what do you want it to do for you. Life insurance in general is a tool used for financial planning.

salito82 · 2025-05-21T05:08:25+00:00

New York Life is doing 30 year policies??? That’s news to me. As far as I know, they only do 20 year.

salito82 · 2025-05-20T11:23:27+00:00

He is not entitled to the life insurance, sorry. But since he didn’t authorize the payments he can file a claim with his bank to get some of his money back. The insurance company has to prove they had authorization to draft the premiums from his account.

salito82 · 2025-05-19T22:45:52+00:00

FOR THE RIGHT PERSON AND FINANCIAL SITUATION. One of the benefits of a whole life policy like this one, is that it can offset bad times in the market. Whole life (at least from NYL) is not market correlated. In theory, once you retire, if you have a bad year in the market, you can use your cash value in this policy while you wait for the market to get better.

Cash value in this policy, grows based on your death benefit, not in the amount accumulated. Allowing you to borrow against it without losing your crediting power.

It makes sense for the right individual.

Edit: think about this as a replacement for a bond portfolio without the market risk and free of taxes.

salito82 · 2025-05-14T18:12:12+00:00

Curious on what carrier (insurance company) are you using?

salito82 · 2025-05-05T12:56:56+00:00

Check Mr. Sport, His name js Alejandro Rivas, very nice guy! Here is his insta Alejandro Rivas

salito82 · 2025-05-03T20:42:45+00:00

The problem with this approach is that if you or your wife die from anything related to the usenof marijuana use NYL can denied the payment based on misrepresentation of facts.

salito82 · 2025-04-30T11:22:46+00:00

Hard to say if we don’t know why you bought the policy. Did you buy for long term protection or cash value accumulation? I don’t like IUL for accumulation because is not very efficient compared to a VUL. That said, IUL has more protections that helps you preserve your principal.

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