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Lafayette Saint
| Favorite team: | New Orleans Saints  |
| Location: | Lafayette |
| Biography: | |
| Interests: | titties |
| Occupation: | Sales |
| Number of Posts: | 68 |
| Registered on: | 3/31/2010 |
| Online Status: | Not Online |
Recent Posts
Message
Strange Shower/Hot Water Fiasco
Posted by Lafayette Saint on 6/12/21 at 2:26 pm
Hey folks, I'm perplexed at this point and am not finding much of anything like my issue on the interwebs.
My second bathroom's shower always took a little longer than normal to get the hot water going, and has over the past year gotten to the point that it's barely warm enough to put the kids in...
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re: Trying to buy my dream property, but government.
Posted by Lafayette Saint on 1/14/21 at 10:40 am
[quote]Does he have a copy of the illegal subdivision plat and/or know the surveyor of record?[/quote]
I do have a copy of the illegal plat, and have spoken with the surveyor, who has generously quoted me on re-surveying the property. ...
re: Trying to buy my dream property, but government.
Posted by Lafayette Saint on 1/12/21 at 6:33 pm
Maybe I've painted an irrational picture of the neighbors. Seems to be all you guys are grabbing onto here. I spent 30 minutes chatting with each of the two neighbors. They're country people who are proud of their great great grandfather's land. They were happy to come outside and chat with me and m...
re: Trying to buy my dream property, but government.
Posted by Lafayette Saint on 1/11/21 at 10:23 pm
I believe I've got legal access, as there is a roadway that leads there but that LCG won't grant me an address on it. Is it possible that those two things can be different?...
Trying to buy my dream property, but government.
Posted by Lafayette Saint on 1/11/21 at 8:28 pm
Alright guys I'm beating my head against a wall here. Maybe the infinite wisdom of Tigerdroppings can assist.
TLDR: Lafayette Zoning and Development won't grant me an address because the property doesn't have a certified road that runs in front of it, rather a "glorified driveway" that leads to ...
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/8/18 at 3:45 pm
[quote]Just make sure your agent isn't selling you too much life insurance. Buy the bulk of your life insurance on a term chassis. Heavy on the cash funding and light on the COI. I always design my supplemental retirement plans with the most premium the regulators will let my clients stuff in there....
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/8/18 at 3:37 pm
[quote]What are you buying it for?[/quote]
Strictly an investment opportunity. The wife's company doesn't offer a 401K, and my agent feels that this investment is better than a roth or traditional IRA.
[quote]Ask your agent to run a 10 year look back illustration to see what it would be worth ...
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/8/18 at 3:29 pm
[quote]Lastly, how long do you HAVE to fund it and what happens if you momentarily stop? That's the big kicker. It's a decent product in 40 years IF you fund it for 40 years, but how many people make it that long?[/quote]
He showed me clients that had stopped contributing, and as long as the cash...
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/8/18 at 7:06 am
[quote]Find out what the fees are[/quote]
So they max out a 6%, and they also deduct the "cost" of life insurance per month. So for me, being 28 and healthy as an ox, the "cost" of a 150,000 policy might be $20-$30/month. That cost is reduced from my "bucket" monthly.
...
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/7/18 at 10:38 pm
[quote]for it to pay as much as 12.5%, I would guess the overall performance of that index would be much higher than 12.5%. By giving you that downside protection, it seems to me they must drastically limit the upside potential. I don't see the fine print, so take that thought for what it's worth.[/...
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/7/18 at 10:34 pm
[link=(https://sfgmembers.wistia.com/medias/7ssrag95h3)]2 min promo video for the product[/link]
[link=(https://www.midlandnational.com/newsyoucanuse/-/blogs/take-your-client-s-future-to-the-max-with-our-newest-iul-product-)]specific details about the product[/link]...
re: IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/7/18 at 10:20 pm
"Midland’s version of indexed universal life includes death benefits that offer an “opportunity to grow cash value through an account that credits interest based upon the upward movement of stock market indexes – without the risk of investing directly in the market.” They claim you won't earn less t...
IUL Life Insurance used as retirement
Posted by Lafayette Saint on 8/7/18 at 10:13 pm
OK. Bear with me here, as I cant claim to fully understand everything I was pitched today. I took great interest in a particular product that was pitched to me today: an Indexed Universal Life policy that was going to be setup to act moreso like a retirement account than a life insurance policy.
...
Personal Checking Acct for rental property
Posted by Lafayette Saint on 2/23/18 at 11:05 pm
So I've got one rental property. Currently the mortgage is being bank drafted from my personal checking account, and my expenses are being put onto a spreadsheet. I've already forgotten to input an expense or two on the spreadsheet and I've only been a landlord since January.
I'd like to setup a ...
Texas Hunting License Online
Posted by Lafayette Saint on 11/8/17 at 7:30 pm
Anybody ever order an out of state hunting license online? Got a trip on the 16th that I just purchased. Slightly concerned I wont get my tags in by mail before then. I've learned that in the worst case scenario I can pay $10 to print a copy as if i lost it.
TIA...
re: Naming my kid..
Posted by Lafayette Saint on 9/27/17 at 10:10 pm
There enlies the problem. Neither of us have read the book, and I can't fathom the conversation that ensues after a Twain fan learns their names. We disagree on whether or not that will occur in life, though.
Nothing like letting the objective, realistic, super sincere folks on tigerdroppings ai...
re: Naming my kid..
Posted by Lafayette Saint on 9/27/17 at 10:07 pm
Yeh I'm confused...
Naming my kid..
Posted by Lafayette Saint on 9/27/17 at 9:59 pm
So I have a child named Sawyer and Finn is the front runner for baby #2. They will be less than two years apart, they will be very close throughout their lives.
Would you think that it would be brought up throughout their futures that their names seem themed?
What did you think when you read o...
re: Home alarm system
Posted by Lafayette Saint on 10/19/16 at 8:08 pm
I work for a security company in Lafayette called EPS. Locally owned/operated/monitored company that does cameras and alarm systems all with free installs. Our alarm systems come with lifetime warranties, and cameras with 5 year warranties.
Your monthly price is going to mainly depend on whether...
Calling all non cable subscribers
Posted by Lafayette Saint on 3/22/16 at 9:14 pm
My wife and I are considering dropping our cable television. We pay $90/month and don't often watch programs outside of the local programming that is free to view.
She watches some trash TV like E network and Bravo, but says she wouldn't miss it. I'm wondering if its possible to get through foo...
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