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SilentWorld

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Everything posted by SilentWorld

  1. There’s been so many popes over the past 15 or so years I can’t even keep track anymore
  2. I provided you a link saying exactly that, so I don’t know why you’re calling it “disingenuous.”
  3. I'm surprised that you're pushing back so much on this (going as far as to call that other dude a liar). I thought it was common knowledge that insurance salesmen get paid on commission and are considered to be one step above used car salesmen (or below depending on who you're asking) . Here you go: In general, whole life insurance is a TERRIBLE idea if there's any possibility you will cancel the policy in the short term (if you cancel in the short term there are significant fees that pretty much eat up the whole value of the policy)... pretty bad if you might cancel the policy in the medium term (if you cancel after 10 years, you'll basically get your principal back)... and borderline ok* if you 100% know you'll keep the policy for 20+ years. The main benefits of a whole life policy are tax sheltered growth, and the fact that life insurance payouts are not subject to estate tax. So, for very wealthy people, whole life goes from being "borderline ok" to a pretty good idea. *Whole life is a bundled product -- life insurance PLUS an investment product. When I say it's borderline ok, what I mean is this: After 20 years, you'll end up with a cash value roughly about the same as if you had taken your premiums SUBTRACTED the premiums of a term 20 life insurance policy and invested the remainder in bonds. So... when I say it's borderline ok, that's ONLY true if you actually want/need life insurance. If you don't need/want it, then you'd be better off investing the cost of the premium elsewhere. My sister bought whole life on her freaking baby! What a stupid idea! Why does a baby need life insurance.
  4. Sarah Silverman is getting in on the action. https://www.cnn.com/2018/07/26/entertainment/sarah-silverman-tweet/
  5. It seems possible the Republicans may lose every single seat up for election in November.
  6. It’s possible that the dems could have a Reagan-esque level landslide in 2020.
  7. There's no missing context. Thailand is a hot spot for sex tourism and for child sex tourism and there is a stereotype (that's not entirely untrue) about the kind of expats that live there. But there's no reason to say that this guy specifically is a pedo or even a sex tourist.
  8. How long ago I had some bad marks on my credit but like it goes away after 7 years.
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