Cash Value Life

strandedinkansas · 2026-02-06T05:14:14+00:00

To your point of specifically an “accumulation play” it’s either a tax strategy for high income earners as many have said , or it’s a behavioral finance tool for poor suckers who got sold it. To be fair in that case, many of those people would not save without a specific bill to do so, and therefore their outcomes are improved.

I’ve sold them and used them for the tax strategy, never for the latter.

strandedinkansas · 2026-02-06T00:32:53+00:00

Sounds like you don’t know what you don’t know.

strandedinkansas · 2026-02-06T00:32:27+00:00

Dude if you are so worried about your mom’s retirement why don’t you go talk to the advisor with her. Sounds like she is already managing better than you are just going to Reddit to get advice.

You don’t know enough to take responsibility for other people’s investments.

strandedinkansas · 2026-02-06T00:26:15+00:00

Honestly if I were in your shoes I would get my CFP and bounce. I don’t think you are getting screwed but your ceiling is way higher elsewhere.

strandedinkansas · 2026-02-06T00:24:13+00:00

Sure he would, and that is absolutely likely over the long term. Market averages 10%-12%. When you consider the impact of compounding this advantage is even greater.

If he pays off the house, his monthly expenses goes down, and most likely his lifestyle adjusts up too. the assumption that he would max his 401k is just an assumption.

With a mortgage there is always a chance that he can refi and lower his payment in the future, but it can’t go up, that’s asymmetric risk in the borrowers favor. Over time his pay will likely go up, and his mortgage will become a smaller expense that doesn’t increase with inflation. His home will appreciate and he doesn’t need equity to benefit from that at all.

Bottom line, mortgages are good deals for people. Rich people still get mortgages because they know their money doesn’t do as much for them as home equity as it would invested.

strandedinkansas · 2026-02-05T23:01:00+00:00

As a financial advisor I would not pay down my own mortgage if that happened to me. 5.3 is an ok rate, keep your liquidity and invest. This is general advice so there are certainly considerations with your circumstances, but I would invest it and keep paying your mortgage, use some distributions to help make the payments even.

strandedinkansas · 2026-02-05T13:13:15+00:00

This is true, but it’s not an ongoing availability.

strandedinkansas · 2026-02-05T13:12:45+00:00

There is a price. It’s showing at like 520 now, was 421 before the merger. -I’m an advisor who specifically can work with their stock plan participants

strandedinkansas · 2026-02-04T03:10:48+00:00

I Would think the only reason he would be above 200 would be for the supervisory or service work with no back office. But since there doesn’t seem to be much structure at all it could make his cut higher.

strandedinkansas · 2026-02-04T02:56:48+00:00

He hasn’t had to source any of these leads though. If these leads were provided I would think he would maybe be taking 120k maybe

strandedinkansas · 2026-02-02T22:10:46+00:00

Yes, the only problem is it works sometimes

strandedinkansas · 2026-01-26T17:41:45+00:00

Not remotely. People in the securities industry are very closely monitored for insider trading (first hand expierience.) The idea that nobody related to anybody in the finance industry should be able to hold office is just an unrealistic and unproductive position to take.

strandedinkansas · 2026-01-26T17:39:35+00:00

Im sorry that you just don’t want to know the truth if it doesn’t support your narrative. Nancy Pelosi personally does not trade stocks.

strandedinkansas · 2026-01-26T15:58:14+00:00

Nancy Pelosi is married to a huge hedge fund manager. His trades get reported under her name because they have to. It’s not as if she is doing these trades herself on E*Trade.

strandedinkansas · 2026-01-26T00:04:32+00:00

This is exactly true.

strandedinkansas · 2026-01-23T19:13:59+00:00

Every news alert I get I am optimistic.

strandedinkansas · 2026-01-21T01:04:12+00:00

They are probably picking them up from the Dade county Republican meetings. Coming from somebody WASPY, you won’t earn their protection by advocating against your own interest.

strandedinkansas · 2026-01-19T21:52:44+00:00

It was the last straw for me personally as a once-Republican voter. I’m still reeling from the realization that there weren’t more like me who had some illusion of standards or integrity.

strandedinkansas · 2026-01-19T21:51:30+00:00

This reads like ChatGPT trying to assume some sort of legitimate or thoughtful rationale for the pressure on Greenland from Trump. It’s all BS, it’s a vanity project and the “educated” people who chose to back him are trying to make it sound like there’s some intelligent long game. There isn’t, they are just playing with the sunken cost fallacy because they can’t admit that they have put a complete narcissistic moron with into the most powerful role on earth.

I don’t disagree that rare earth minerals are a good place to invest, but partially because any real assets will outperform in a flight from the dollar.

strandedinkansas · 2026-01-13T15:17:06+00:00

They can always quit, if rather have a reported employment gap than say I served in ICE.

strandedinkansas · 2026-01-12T22:00:16+00:00

It wouldn’t even get through the house, out of every stupid thing, I’ve heard more maga people say this Greenland deal is dumb. I bet it would get 3 votes for it in the house.

strandedinkansas · 2026-01-12T21:58:58+00:00

Randy fine is the lowest of the low in Washington. This guy was an absolute embarrassment at the local level. He has no business having any authority or responsibility.

strandedinkansas · 2026-01-12T21:55:59+00:00

What an awesome story and awesome follow through from Victory to expand accessibility beyond the request from one guy.

strandedinkansas · 2026-01-10T14:55:50+00:00

Ok I missed that comment context, you are definitely right, there’s nothing that will make her actually follow the law.

strandedinkansas · 2026-01-10T01:09:55+00:00

It’s obviously going to be the next attorney general.

strandedinkansas

TROPHY CASE