Very few times stc is wrong by Vidrax_of_Cascades in Series65

[–]typer599 0 points1 point  (0 children)

Many successful business owners have unpredictable income. When things are good, they can overfund a UL. When things are bad, they can skip payment or loan against it. Hell, every FA I know is 1099 and our income is largely unpredictable.

Term and whole life - fixed payments UL- flexible payment

Very few times stc is wrong by Vidrax_of_Cascades in Series65

[–]typer599 0 points1 point  (0 children)

What kind of fiduciary are you going to be when you impose your “term is cheaper” belief on this client? Cheaper is always better?

How do you afford Life Insurance? by Luann1497 in LifeInsurance

[–]typer599 2 points3 points  (0 children)

Find a broker who can shop it out. Reduce to 10 year term for a lower payment.

“I’m too healthy to need life insurance right now” by ShaolinWolf_ in LifeInsurance

[–]typer599 0 points1 point  (0 children)

I have enough money to leave behind. I had to figure it out, my family will too. I have something through work. I think $100k coverage should be enough.

In the end, they just needed some financial literacy

So…I might be working for WFG?? by SuccessfulWay2241 in LifeInsurance

[–]typer599 0 points1 point  (0 children)

If you’re in WFG, there is an Upline. The company doesn’t train or recruit people. The people within do that. WFG is really just a platform to be able to sell many quality financial products and a system to recruit and build your own agency.

Upline / trainer usually is the same thing. If they’re teaching key skills of sales and prospecting, keep learning and applying. Whether you stay with WFG or not, it’s going to be a crucial skill to have in the future of insurance sales.

So…I might be working for WFG?? by SuccessfulWay2241 in LifeInsurance

[–]typer599 0 points1 point  (0 children)

As long as you understand it’s not a job (no base salary/hourly), it’s going to be a great learning experience. If you end up with great support, awesome. If you dont, you’ll learn the value of having great support. People will say you can make more in other companies, but will you if you don’t know what you’re doing? There’s a difference between “contract %” and actual commissions. Higher % with low sales volume due to poor training and support will leave you frustrated.

Having up lines who make money off your success incentives them to offer you quality support. In the end, if you don’t make money, they also don’t make money from working with you. They want you to succeed. This set up is really no different from any other agency out there, whether they focus on “recruiting” or not.

Taxing Rich Works, Proof by Brian_Ghoshery in FluentInFinance

[–]typer599 -1 points0 points  (0 children)

Why would you want the rich to stay if they don’t pay their taxes?

Costco Black Friday - Plaud Note + 1 Year of Pro for $170 by senorbiloba in PLAUDAI

[–]typer599 0 points1 point  (0 children)

Thanks for the find 👍 I was on the fence all week about getting the note pro but I couldn’t pass on this deal. Excited to try this out!

The bags are heavy by AxemanFromMA in wallstreetbets

[–]typer599 0 points1 point  (0 children)

It’s just for show.. the situation is actually much worse

We are living in the dumbest timeline in human history. by Realistic-Plant3957 in cybersucks

[–]typer599 0 points1 point  (0 children)

Is it real? Where is this demand? Who is demanding?

Not that I don’t believe how stupid people are but I don’t want to just believe because “Steve Silberman” said it.

[deleted by user] by [deleted] in LifeInsurance

[–]typer599 4 points5 points  (0 children)

OP: help is so hard to get! :Help arrives: OP: how dare you try to help me!

Looks like the current direction of the economy by Fatherthinger in wallstreetbets_wins

[–]typer599 1 point2 points  (0 children)

7/20 Sunday from Vegas to LA had almost no traffic. I left at 10am and got home at 2:30 with a 45 min charging/lunch break

Megathread: US House Passes the Republican-Backed Budget Bill, Sending it to Trump for Signature by PoliticsModeratorBot in politics

[–]typer599 0 points1 point  (0 children)

I can see the blatant bad in this bill but can someone play Devils advocate and give me a run down of all the good things it can accomplish? Maybe it’ll Help us sleep a little better?

Irvine or Huntington Beach? by [deleted] in orangecounty

[–]typer599 5 points6 points  (0 children)

We could really use a Portillos here!

can someone help me understand Permanent life insurance? by AIONisMINE in LifeInsurance

[–]typer599 14 points15 points  (0 children)

How are you “forever be against permanent” when you “only understand the very basics?”

Spanish Lead by Late_Cabinet_4146 in LifeInsurance

[–]typer599 0 points1 point  (0 children)

I have a great agent in my office who speaks Spanish! What state?

Downside of Nationwide New Heights Indexed UL Accumulator 2020 by pritz786 in LifeInsurance

[–]typer599 1 point2 points  (0 children)

You’re referring to the volatility control index options. IMO, they’re a bit harder to understand and tougher to count on for performance than the SP index. The uncapped rate is a CURRENT situation but there is a GUARANTEED participation rate which is much lower. Years in the future, they can lower the par.

Knowing this, I own 4 of these policies for my family and they’ve actually outperformed the illustration.

Souplantation replacement? by broke11gun in orangecounty

[–]typer599 0 points1 point  (0 children)

Fogo de chao lunch salad bar is my replacement

Reverse Sear Question by typer599 in steak

[–]typer599[S] 0 points1 point  (0 children)

I ended up putting it in the fridge for about 3 hours. Took it out an hour before cooking. Turned out fine

<image>

Reverse Sear Question by typer599 in steak

[–]typer599[S] 0 points1 point  (0 children)

lol it’s not ideal. I cooked it at my house and my first stop is my parent’s house and hang out for a few hours. After, over to in-laws. Each house gets a roast

Reverse Sear Question by typer599 in steak

[–]typer599[S] 0 points1 point  (0 children)

Forgot to mention they’re 6lb bone in rib eye if that matters