[BWell_SoCal]

I second Jim Klinge. I used him and refer him to friends. The fact that he runs a well maintained real estate blog speaks volumes. His wife also does the management of the other aspects of the transaction and it just made everything easier than I imagined. First time home buyer approved!

[BWell_SoCal]

I passed on Sebonic. The broker that contacted me was convinced that ‘it was against the law’ to do loans above the conforming limit in San Diego county due to COVID. He told me his system wasn’t even able to price a loan above the conforming loan limit of $510,400! Plus, he was trying to wrap in $10,000 in fees in the loan estimate for a cash-out loan even though I explicitly asked for his best no points, no fee rate!

I ended up using my local broker buddy again and got a 2.75% 30-yr fixed, no points, no fees limited cash-out refi. I’ll try again in six months for a full cash-out refinance. No one I called was offering anything reasonable in rates for a cash-out refinance at this time.

[BWell_SoCal]

Can you share what broker you used? I’m looking to refinance this month.

[BWell_SoCal]

Make sure to read the fine print. Most group policies pay only 60% of base salary if disabled. So, if you have overtime income or bonus income that you depend on, the group policies are lacking in coverage. Also, since the employer pays the premiums, your disability payments are taxed. And lastly, the term ‘disabled’ is usually not worded to your benefit in group disability policies and might only cover two years of disability and then they will expect you to find a job that you can do with your disability.

The best bet is to buy an individual disability policy from the likes of Guardian or some other insurance provider with true “own occupation” protection. Either opt out of the group coverage provided by your employer and buy a individual policy or buy enough individual coverage to supplement the income that is not protected by the group policy.

Hope this helps.

[BWell_SoCal]

Make sure to read the fine print. Most group policies pay only 60% of base salary if disabled. So, if you have overtime income or bonus income that you depend on, the group policies are lacking in coverage. Also, since the employer pays the premiums, your disability payments are taxed. And lastly, the term ‘disabled’ is usually not worded to your benefit in group disability policies and might only cover two years of disability and then they will expect you to find a job that you can do with your disability.

The best bet is to buy an individual disability policy from the likes of Guardian or some other insurance provider with true “own occupation” protection. Either opt out of the group coverage provided by your employer and buy a individual policy or buy enough individual coverage to supplement the income that is not protected by the group policy.

Hope this helps.

[BWell_SoCal]

Make sure to read the fine print. Most group policies pay only 60% of base salary if disabled. So, if you have overtime income or bonus income that you depend on, the group policies are lacking in coverage. Also, since the employer pays the premiums, your disability payments are taxed. And lastly, the term ‘disabled’ is usually not worded to your benefit in group disability policies and might only cover two years of disability and then they will expect you to find a job that you can do with your disability.

The best bet is to buy an individual disability policy from the likes of Guardian or some other insurance provider with true “own occupation” protection. Either opt out of the group coverage provided by your employer and buy a individual policy or buy enough individual coverage to supplement the income that is not protected by the group policy.

Hope this helps.

[BWell_SoCal]

Make sure to read the fine print. Most group policies pay only 60% of base salary if disabled. So, if you have overtime income or bonus income that you depend on, the group policies are lacking in coverage. Also, since the employer pays the premiums, your disability payments are taxed. And lastly, the term ‘disabled’ is usually not worded to your benefit in group disability policies and might only cover two years of disability and then they will expect you to find a job that you can do with your disability.

The best bet is to buy an individual disability policy from the likes of Guardian or some other insurance provider with true “own occupation” protection. Either opt out of the group coverage provided by your employer and buy a individual policy or buy enough individual coverage to supplement the income that is not protected by the group policy.

Hope this helps.

[BWell_SoCal]

Make sure to read the fine print. Most group policies pay only 60% of base salary if disabled. So, if you have overtime income or bonus income that you depend on, the group policies are lacking in coverage. Also, since the employer pays the premiums, your disability payments are taxed. And lastly, the term ‘disabled’ is usually not worded to your benefit in group disability policies and might only cover two years of disability and then they will expect you to find a job that you can do with your disability.

The best bet is to buy an individual disability policy from the likes of Guardian or some other insurance provider with true “own occupation” protection. Either opt out of the group coverage provided by your employer and buy a individual policy or buy enough individual coverage to supplement the income that is not protected by the group policy.

Hope this helps.

[BWell_SoCal]

In my experience, it’s more like $115K/year with just a BS in those fields and only four years of work experience. Travel required.

[BWell_SoCal]

In my experience, it’s more like $115K/year with just a BS in those fields and only four years of work experience. Travel required.

[BWell_SoCal]

In my experience, it’s more like $115K/year with just a BS in those fields and only four years of work experience. Travel required.

[BWell_SoCal]

In my experience, it’s more like $115K/year with just a BS in those fields and only four years of work experience. Travel required.

[BWell_SoCal]

In my experience, it’s more like $115K/year with just a BS in those fields and only four years of work experience. Travel required.

[BWell_SoCal]

I’ve been told by my insurance guy that it is much more important to buy a high-quality, individual disability income insurance policy before even thinking about life insurance. Even if you are covered through your employer for short-term and long-term disability, it usually only covers at most 60% of yearly salary (does not cover profit-sharing, overtime, or bonuses). The payouts are also taxed due to the premiums being paid by employer.

It is much more likely that an individual will be disabled long-term, at some point in their life, than dying. But, due to this reason, it is much harder to qualify for a good disability insurance policy.

[BWell_SoCal]

I’ve been told by my insurance guy that it is much more important to buy a high-quality, individual disability income insurance policy before even thinking about life insurance. Even if you are covered through your employer for short-term and long-term disability, it usually only covers at most 60% of yearly salary (does not cover profit-sharing, overtime, or bonuses). The payouts are also taxed due to the premiums being paid by employer.

It is much more likely that an individual will be disabled long-term, at some point in their life, than dying. But, due to this reason, it is much harder to qualify for a good disability insurance policy.

[Author]

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