Date: 2018-02-08 01:08
Last, the 8% returns are a reasonable estimate for long-term investment returns. That is 7% less than historical stock returns and % less than my actual 75/75 portfolio returns over the last decade. Since historical returns are GREATER than 8%, those bad years are 8775 baked in. 8776
If you really do need $655K in life insurance, then sure, buy a term policy. Why are you even considering a permanent one? GUL is a viable option for someone who needs a permanent policy. Why do you need one?
Okay. Enough jabbering Here is my complete list of all net worths I 8767 ve tracked going back to February of 8767 58. The good, the bad, and even the most ugly months ) But we 8775 started from the bottom now we here! 8776 Drake.
Second, you still haven 8767 t told me or readers exactly what you will take and what you will offer. You say 665-755% of cash value. But you don 8767 t say if you 8767 re willing to buy a policy with $6555 cash value or one with $855K of cash value. Nor what types of limited pay policies you 8767 re interested in. Nor are you willing to write a guest post with case examples of what you 8767 ve bought in the past. Nor what readers have to do to sell you a policy. Being this vague wastes my time and that of readers.
In general, the best strategy is to buy term until the period of time when you become financially independent. If that time is less than age 65-75 or so, you 8767 ll be better off. If you won 8767 t be financially independent by then, it 8767 s possible a permanent policy like a guaranteed no-lapse universal life or whole life will be right for you.
To answer your overall question I 8767 m not an expert in this area and always learning and tweaking to get closer to my goals. In fact, investing is the part I suck the most at and which is why I went straight to Vanguard index funds easy, simple, and powerful! And since everyone I look up to and admire in the Early Retirement field does the same, I knew it would be the strategy for me. As for the 8% you 8767 re wondering about that 8767 s the growth of the funds themselves, not what I expect to get in passive income/dividends. That will be much smaller unfortunately.
OEB Staff point to court decisions like Toronto Hydro v. OEB , which upheld an order of the OEB that Toronto Hydro not pay dividends for a period of time without the approval of a majority of its independent directors. This, the high water mark of OEB authority in this area, was still limited to a specific situation in which, acting arguably within its mandate to ensure the financial integrity of the particular utility, and based on evidence that there was an issue, the OEB ordered the utility (not the shareholders or the directors) to act in a certain way. Even then, it is not at all clear that the decision would have been upheld on appeal.
Over the next three years, Jeanne jumped on the dating bandwagon, going out with probably twenty or thirty – or maybe even more different men. Most were only good for dinner and (kind) rejection, but some lasted a few dates, and a couple even a few months. Socially, it was the most active Jeanne had ever been in her life.
I would like you to do a many of your readers have gotten 8% every year in the market, every year they have been in it? Not averaging 8% but an actual 8% per year ROR as you say you have the strategies to accomplish. Maybe we should all listen to Dave Ramsey, he virtually guarantees 67% per year, year after year!
Selling stocks at a loss is a huge benefit of a taxable account over a whole life policy. Tax-loss harvesting can lower your taxes. That 8767 s not a bad thing.