[equalizer]

[quote=lepetitangel]I didn’t know it’s actually an “old” trend as I haven’t really seen too many residential buildings in the East Coast.

I get that the house looks “cute” when you don’t see the garage…(depending how the garage is built and looks like). I guess after all it’s just preference.

I thought the reason why they’re bringing this back is so that the builder can build more homes in the same size lot of land. But I agree with you maybe some people prefer not seeing their driveway and garages.[/quote]
Of course reason is to maximize lots in the sector.
Big problem is lack of parking for guests. Parking will be a huge issue in the future, 10 years out. Neighborhoods with with garages and big driveways will be highly desired.

[equalizer]

[quote=Ren]
It also bugs me that Apple operating systems always target below-average IQ’s. The ability to tweak things is there, and the hardware is solid, but they actually make the day-to-day interface more cumbersome to keep dumb people from doing dumb things, rather than making it as intuitive and efficient as possible.[/quote]
I can’t prove this with elegant stats, but Apple does this because most people are dumb! How many people hire a tax firm for 5 line 1040EZ? Wait, QED!

[equalizer]

[quote=Ren]
It also bugs me that Apple operating systems always target below-average IQ’s. The ability to tweak things is there, and the hardware is solid, but they actually make the day-to-day interface more cumbersome to keep dumb people from doing dumb things, rather than making it as intuitive and efficient as possible.[/quote]
I can’t prove this with elegant stats, but Apple does this because most people are dumb! How many people hire a tax firm for 5 line 1040EZ? Wait, QED!

[equalizer]

[quote=Ren]
It also bugs me that Apple operating systems always target below-average IQ’s. The ability to tweak things is there, and the hardware is solid, but they actually make the day-to-day interface more cumbersome to keep dumb people from doing dumb things, rather than making it as intuitive and efficient as possible.[/quote]
I can’t prove this with elegant stats, but Apple does this because most people are dumb! How many people hire a tax firm for 5 line 1040EZ? Wait, QED!

[equalizer]

[quote=Ren]
It also bugs me that Apple operating systems always target below-average IQ’s. The ability to tweak things is there, and the hardware is solid, but they actually make the day-to-day interface more cumbersome to keep dumb people from doing dumb things, rather than making it as intuitive and efficient as possible.[/quote]
I can’t prove this with elegant stats, but Apple does this because most people are dumb! How many people hire a tax firm for 5 line 1040EZ? Wait, QED!

[equalizer]

[quote=Ren]
It also bugs me that Apple operating systems always target below-average IQ’s. The ability to tweak things is there, and the hardware is solid, but they actually make the day-to-day interface more cumbersome to keep dumb people from doing dumb things, rather than making it as intuitive and efficient as possible.[/quote]
I can’t prove this with elegant stats, but Apple does this because most people are dumb! How many people hire a tax firm for 5 line 1040EZ? Wait, QED!

[equalizer]

[quote=SK in CV][quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

[/quote]

Yeah, you’re right. But having analyzed scores of whole life policies, both before and after clients have purchased them, I have almost always come to the same conclusion. They’re a better investment for the broker than they are the buyer. And there are almost always better alternatives.[/quote]
If one must buy commission product then search out a fee-only insurance consultant first. “Today, the agent and policy applicant have
considerable discretion in structuring a policy and premium so as to reduce the standard commission by 80% or more. This is done by designing a policy with a maximum amount of term insurance and a minimum amount of permanent insurance and then having most of the annual premium payments take the form of “additional premiums” or “dump-ins” on which the commission may run about 3 percent, or a mere 5 percent of the standard first-year agent’s commission.”

http://lifeinsuranceadvisorsinc.com/featured.html

http://breadwinnersinsurance.com/ — Appropriate Disclosure of Cash-Value Policies

[equalizer]

[quote=SK in CV][quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

[/quote]

Yeah, you’re right. But having analyzed scores of whole life policies, both before and after clients have purchased them, I have almost always come to the same conclusion. They’re a better investment for the broker than they are the buyer. And there are almost always better alternatives.[/quote]
If one must buy commission product then search out a fee-only insurance consultant first. “Today, the agent and policy applicant have
considerable discretion in structuring a policy and premium so as to reduce the standard commission by 80% or more. This is done by designing a policy with a maximum amount of term insurance and a minimum amount of permanent insurance and then having most of the annual premium payments take the form of “additional premiums” or “dump-ins” on which the commission may run about 3 percent, or a mere 5 percent of the standard first-year agent’s commission.”

http://lifeinsuranceadvisorsinc.com/featured.html

http://breadwinnersinsurance.com/ — Appropriate Disclosure of Cash-Value Policies

[equalizer]

[quote=SK in CV][quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

[/quote]

Yeah, you’re right. But having analyzed scores of whole life policies, both before and after clients have purchased them, I have almost always come to the same conclusion. They’re a better investment for the broker than they are the buyer. And there are almost always better alternatives.[/quote]
If one must buy commission product then search out a fee-only insurance consultant first. “Today, the agent and policy applicant have
considerable discretion in structuring a policy and premium so as to reduce the standard commission by 80% or more. This is done by designing a policy with a maximum amount of term insurance and a minimum amount of permanent insurance and then having most of the annual premium payments take the form of “additional premiums” or “dump-ins” on which the commission may run about 3 percent, or a mere 5 percent of the standard first-year agent’s commission.”

http://lifeinsuranceadvisorsinc.com/featured.html

http://breadwinnersinsurance.com/ — Appropriate Disclosure of Cash-Value Policies

[equalizer]

[quote=SK in CV][quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

[/quote]

Yeah, you’re right. But having analyzed scores of whole life policies, both before and after clients have purchased them, I have almost always come to the same conclusion. They’re a better investment for the broker than they are the buyer. And there are almost always better alternatives.[/quote]
If one must buy commission product then search out a fee-only insurance consultant first. “Today, the agent and policy applicant have
considerable discretion in structuring a policy and premium so as to reduce the standard commission by 80% or more. This is done by designing a policy with a maximum amount of term insurance and a minimum amount of permanent insurance and then having most of the annual premium payments take the form of “additional premiums” or “dump-ins” on which the commission may run about 3 percent, or a mere 5 percent of the standard first-year agent’s commission.”

http://lifeinsuranceadvisorsinc.com/featured.html

http://breadwinnersinsurance.com/ — Appropriate Disclosure of Cash-Value Policies

[equalizer]

[quote=SK in CV][quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

[/quote]

Yeah, you’re right. But having analyzed scores of whole life policies, both before and after clients have purchased them, I have almost always come to the same conclusion. They’re a better investment for the broker than they are the buyer. And there are almost always better alternatives.[/quote]
If one must buy commission product then search out a fee-only insurance consultant first. “Today, the agent and policy applicant have
considerable discretion in structuring a policy and premium so as to reduce the standard commission by 80% or more. This is done by designing a policy with a maximum amount of term insurance and a minimum amount of permanent insurance and then having most of the annual premium payments take the form of “additional premiums” or “dump-ins” on which the commission may run about 3 percent, or a mere 5 percent of the standard first-year agent’s commission.”

http://lifeinsuranceadvisorsinc.com/featured.html

http://breadwinnersinsurance.com/ — Appropriate Disclosure of Cash-Value Policies

[equalizer]

[quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

Ask people who bought whole life policies that had guaranteed rates of return of 10% plus and are now plowing money into them how they feel about their policies and they will speak very highly of them.

Buy at the wrong time and in the wrong circumstances and like the housing market you may have a negative opinion.

Have kids who are heading to college and you can hide saving in a life insurance policy qualify for financial aid and potentially borrow from the policy and pay yourself back the interest if necessary. Have wealth that you are looking to pass along tax free and their are applications where life insurance makes sense.

Term life has become very cheap, very similar to renting but what happens if something all of a sudden drives this cost up in a few years.[/quote]
Anyone can read Financial Planning Magazine and see that no one is offering 10% guaranteed rates. Last year there was a sharp drop in sales because benefits had dropped and guaranteed rates plummeted. So what now? The other person pushing VA’s on this blog was bragging about his Ferrari and all his clients were in Camry’s. But yeah, never ever question the commission. Its uncouth, its unpatriotic. Its treason.

Here’s a guarantee: stick with high rated managers from Oakmark, Fairholme, Vanguard Health, Matthews and Royce and you won’t have to search for tax havens.

[equalizer]

[quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

Ask people who bought whole life policies that had guaranteed rates of return of 10% plus and are now plowing money into them how they feel about their policies and they will speak very highly of them.

Buy at the wrong time and in the wrong circumstances and like the housing market you may have a negative opinion.

Have kids who are heading to college and you can hide saving in a life insurance policy qualify for financial aid and potentially borrow from the policy and pay yourself back the interest if necessary. Have wealth that you are looking to pass along tax free and their are applications where life insurance makes sense.

Term life has become very cheap, very similar to renting but what happens if something all of a sudden drives this cost up in a few years.[/quote]
Anyone can read Financial Planning Magazine and see that no one is offering 10% guaranteed rates. Last year there was a sharp drop in sales because benefits had dropped and guaranteed rates plummeted. So what now? The other person pushing VA’s on this blog was bragging about his Ferrari and all his clients were in Camry’s. But yeah, never ever question the commission. Its uncouth, its unpatriotic. Its treason.

Here’s a guarantee: stick with high rated managers from Oakmark, Fairholme, Vanguard Health, Matthews and Royce and you won’t have to search for tax havens.

[equalizer]

[quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

Ask people who bought whole life policies that had guaranteed rates of return of 10% plus and are now plowing money into them how they feel about their policies and they will speak very highly of them.

Buy at the wrong time and in the wrong circumstances and like the housing market you may have a negative opinion.

Have kids who are heading to college and you can hide saving in a life insurance policy qualify for financial aid and potentially borrow from the policy and pay yourself back the interest if necessary. Have wealth that you are looking to pass along tax free and their are applications where life insurance makes sense.

Term life has become very cheap, very similar to renting but what happens if something all of a sudden drives this cost up in a few years.[/quote]
Anyone can read Financial Planning Magazine and see that no one is offering 10% guaranteed rates. Last year there was a sharp drop in sales because benefits had dropped and guaranteed rates plummeted. So what now? The other person pushing VA’s on this blog was bragging about his Ferrari and all his clients were in Camry’s. But yeah, never ever question the commission. Its uncouth, its unpatriotic. Its treason.

Here’s a guarantee: stick with high rated managers from Oakmark, Fairholme, Vanguard Health, Matthews and Royce and you won’t have to search for tax havens.

[equalizer]

[quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

Ask people who bought whole life policies that had guaranteed rates of return of 10% plus and are now plowing money into them how they feel about their policies and they will speak very highly of them.

Buy at the wrong time and in the wrong circumstances and like the housing market you may have a negative opinion.

Have kids who are heading to college and you can hide saving in a life insurance policy qualify for financial aid and potentially borrow from the policy and pay yourself back the interest if necessary. Have wealth that you are looking to pass along tax free and their are applications where life insurance makes sense.

Term life has become very cheap, very similar to renting but what happens if something all of a sudden drives this cost up in a few years.[/quote]
Anyone can read Financial Planning Magazine and see that no one is offering 10% guaranteed rates. Last year there was a sharp drop in sales because benefits had dropped and guaranteed rates plummeted. So what now? The other person pushing VA’s on this blog was bragging about his Ferrari and all his clients were in Camry’s. But yeah, never ever question the commission. Its uncouth, its unpatriotic. Its treason.

Here’s a guarantee: stick with high rated managers from Oakmark, Fairholme, Vanguard Health, Matthews and Royce and you won’t have to search for tax havens.

[Author]

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