Stop in for a cup of coffee

[Ben Drinkin]

It's 0° F here - we have no temperature....

It feels like absolute 0 here!

 

[zkx14]

Mitch turned me on

TMI

If you light a match it goes up fast!
Morning Rick!

Maybe if its walnut shell media.

Not here we will be lucky to hit 30 this week!

Very lucky... Supposed to drop again for end of this week and finally break the deep freeze beginning of next.

I guess I should start the dart today just to start it and get it warmed up.

I filled her tires yesterday and the air compressor maid some horrible noises when it first tried to run due to being so cold...​

I think I will wait till next week to start the Duster. Plan to get the battery charger on it in next couple days. Then put it outside and let her have the garage for a while. Not worried about snow on the Duster - better than having to clean her car off when she needs it available, but may or may not use it for days. As long as I get Cinnamon back inside before heavy spring rains...

Don't get Universal life. I paid $50 a month for decades and all of a sudden I get a letter from the insurance company that the cost of insurance has gone up and the excess of your premiums has been paid by your cash value. You now owe us $600+ to continue your coverage and $150 a month. What a bunch of BS!

I thinkthat is what we had that we cashed in a while back. I regretted it at the time, but maybe not so bad after all.

I got into an argument with a 73 year old lady when i was selling insurance. She came in wanting 450,000 dollars in coverage, only thing i could even offer her was a 5 yr term. monthly cost...... 3700 dollars!! Naturally she didn't buy it but she went off on me(i was the last of several agents this lady had tried to get insurance from come to find out, and i was still the cheapest.....) The cheapest I remember being able to get her was a final expense policy, which is permanent insurance until age 100, of just 15,000. But it was still over 100 bucks a month. She didnt buy it either. She was not a happy camper and even threatened an age discrimination law suit.


my advice to you guys, get a policy before age 65 if you want one that is remotely affordable, even if its just a final expense policy.

Wife is pretty much uninsurable due to medical stuff. Have no checkup min through work on her. I think its 25K​

"On New Year's Day, 90% of the US failed to warm up to 32 degrees, CNN meteorologist Ivan Cabrera said."

Wow....

Saw that. Also said 40 something percent is below zero...

Hmmm i had crazy idea...... we have an antique, old iron wood burning stove...... wonder if I could pipe it in and use it to heat the shop?

Why is that crazy? Piped in? You mean put stove in and pipe smoke out, or is this like a Taylor with stove outside and pipe in 'water' to heaters.

Good Morning

 

[MOPARMITCH]

It feels like absolute 0 here!

Absolute ?? I like Absolute !!

 

[krazykuda]

I got both pick ups started though. A little trickle charge makes the batteries happy. Luke's gets a battery and some 5/20 today. Interesting I mention "battery and A interstate ad shows up on my screen. Scary stuff this internet.

It's no accident, they spy on you through your aps... Watch these two videos and see how...

 

[krazykuda]

Doing a pre-arrangement for your funeral isn't a bad idea either. (if you're worried about your heirs not having enough to bury you)

But how do I know when I will die????

 

[krazykuda]

Morning all, Off work today, fell on some ice Saturday, out cold, woke up in the Hospital. Concussion and neck trauma, still sore as hell. So easy day drinking coffee and kicking back.

That sucks... Get well soon...

 

[dukeboy440]

so i just got a whole life quote.....


8,932.16 monthly payment.......

 

[zkx14]

so i just got a whole life quote.....


8,932.16 monthly payment.......

 

[dukeboy440]

yeah..... for 100,000...... something does not add up

 

[zkx14]

Back to 'normal' day here. Son left yesterday -to be back to work this AM. Wife is getting ready to drive daughter back to Jersey. I'm submerging my brain in coffee - back to work this afternoon.

 

[dukeboy440]

ah..... the agent called me back...... he added two zeros to that making is 10,000,000 not 100,000........

 

[zkx14]

ah..... the agent called me back...... he added two zeros to that making is 10,000,000 not 100,000........

And didn't catch it before he gave you that amount?

 

[MOPARMITCH]

so i just got a whole life quote.....


8,932.16 monthly payment.......

You don't need whole life....Way too expensive... Buy a 30 yr term policy and invest the difference in cost, between that and the whole life. You will be much better off. Also too many fees with whole life... You should not need life ins at the end of 30 yrs, because your savings should be large and your house paid for. Basically you will be self insured. You should have enough to bury yourself. You just would not have the money from the whole life policy to give to your beneficiary.

 

[MOPARMITCH]

Whole life policies are for people who dont have the discipline, or wont save money for the future.

 

[360DartGT66]

right back at you, whats the temperature across the pond?

+4C, almost spring-like. I hear you guys have quite the opposite?

 

[MOPARMITCH]

I wrote both of my sons, 30yr term Life Ins policies when they were 25. They were both in good health when insured. They pay $35 per month for $150K of term Life Ins.

 

[360DartGT66]

Howdy Phil!

Hey Ben! The new year treating you well?

 

[360DartGT66]

Absolute ?? I like Absolute !!

No 'e', Mitch. Absolut. It's Swedish, y'know.

 

[dukeboy440]

You don't need whole life....Way too expensive... Buy a 30 yr term policy and invest the difference in cost, between that and the whole life. You will be much better off. Also too many fees with whole life... You should not need life ins at the end of 30 yrs, because your savings should be large and your house paid for. Basically you will be self insured. You should have enough to bury yourself. You just would not have the money from the whole life policy to give to your beneficiary.

good to know

Whole life policies are for people who dont have the discipline, or wont save money for the future.

interesting.

+4C, almost spring-like. I hear you guys have quite the opposite?

-7 ° f currently

I wrote both of my sons, 30yr term Life Ins policies when they were 25. They were both in good health when insured. They pay $35 per month for $150K of term Life Ins.

interesting.

 

[Tooljunkie]

The bank my wife works for has a life insurance company. I was refused. Have my doctor to thank for that. Wonder what she told them. I have a pretty good idea.

 

[MOPARMITCH]

The bank my wife works for has a life insurance company. I was refused. Have my doctor to thank for that. Wonder what she told them. I have a pretty good idea.

I wrote myself a $300K policy when I was 49, 30 year term Policy, I pay $800 yr.

 

[dukeboy440]

I wrote myself a $300K policy when I was 49, 30 year term Policy, I pay $800 yr.

nice, i'm looking at a 30 year, term. $500,000 for 77.79 a month.

 

[dukeboy440]

@MOPARMITCH drawing a blank, what happens to the cash value of a whole life at age 65, isn't there something about a mandatory payout?

 

[MOPARMITCH]

nice, i'm looking at a 30 year, term. $500,000 for 77.79 a month.

You are younger, thats why it is less expensive. Force your self to put an additional $80 per month into an IRA or savings, You will thank me when your'e 60...LOL

 

[MOPARMITCH]

@MOPARMITCH drawing a blank, what happens to the cash value of a whole life at age 65, isn't there something about a mandatory payout?

I think you are thinking of IRA's. Of course there may be some Whole Life Co's out there with that rider in their policy...