GutterBoy 2,277 Posted May 12, 2022 17 minutes ago, Pimpadeaux said: Based on what you've said, you really don't know what you're talking about, and I've given you an avenue to educate yourself, which you won't take because that's so far out of your toxic comfort zone that it's unimaginable for you. I got a call from sux last night, which was fun. I didn't know I already had his number in my directory. We talked about cats, and I sent him some cat porn. I'm fairly confident I know more than you, and no I have no interest in listening to the sales pitch your corporate overlords trained you to say, like a focking theft monkey. Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 Also if whole life was so awesome for people, then you guys wouldn't get paid to sell it to people. Same with extended warranties, home warranties, auto warranties. All of these things make money, or they wouldn't exist. Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 14 minutes ago, GutterBoy said: Also if whole life was so awesome for people, then you guys wouldn't get paid to sell it to people. Same with extended warranties, home warranties, auto warranties. All of these things make money, or they wouldn't exist. Simple question - Would you prefer your inheritance be subject to tax and probate or tax and probate free? Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 20 minutes ago, GutterBoy said: Sure, there are times where it makes sense, but it's very rare. 99% of the time you're better off getting a cheap term policy and investing yourself. What really burns my ass is when I hear stories of sleezy sales focks taking someone's 401k and converting it into an annuity under the guise of "guaranteed income", while stealing a large percentage of the working guy's savings. These pieces of sh!t have a special place in hell. What are those people investing the difference into? as for #2 - What do you even mean by that? Share this post Link to post Share on other sites
Hardcore troubadour 12,589 Posted May 12, 2022 11 hours ago, Pimpadeaux said: Ooo, a link. Lol. If you had the balls to do it, I'll have my staff reach out to you to set up a phone appointment to discuss the pros and cons of various annuities. “My staff”. Lol. Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 22 minutes ago, Alias Detective said: Simple question - Would you prefer your inheritance be subject to tax and probate or tax and probate free? Isn't the federal estate tax zero for under $10M or something? Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 21 minutes ago, Alias Detective said: What are those people investing the difference into? as for #2 - What do you even mean by that? Index ETFs, or a asset allocation model? Rolling a 401k into an annuity. Share this post Link to post Share on other sites
Pimpadeaux 2,244 Posted May 12, 2022 40 minutes ago, GutterBoy said: I'm fairly confident I know more than you, and no I have no interest in listening to the sales pitch your corporate overlords trained you to say, like a focking theft monkey. No, you don't know sh!t, but I'm fine with you finding comfort and safety in your ignorance zone. Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 17 minutes ago, GutterBoy said: Isn't the federal estate tax zero for under $10M or something? Higher Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 20 minutes ago, GutterBoy said: Isn't the federal estate tax zero for under $10M or something? I live in one of these states too. Six states have a state-level tax: Iowa, Kentucky, Maryland, Nebraska, New Jersey, and Pennsylvania. State Inheritance tax rate Iowa 4% to 12% Kentucky 4% to 16% Maryland 10% Nebraska 1% to 18% New Jersey 11% to 16% Pennsylvania 4.5% to 15% Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 1 minute ago, Alias Detective said: Higher Right, so the tax advantages of insurance don't apply to most people, since their net worth is less than $10M, right? Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 Just now, GutterBoy said: Right, so the tax advantages of insurance don't apply to most people, since their net worth is less than $10M, right? Look up Share this post Link to post Share on other sites
Cdub100 3,366 Posted May 12, 2022 I wish I had more dry powder to deploy. Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 12 minutes ago, Alias Detective said: Look up What does this mean? Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 19 minutes ago, GutterBoy said: What does this mean? Look at above post... State Inheritance tax rate Iowa 4% to 12% Kentucky 4% to 16% Maryland 10% Nebraska 1% to 18% New Jersey 11% to 16% Pennsylvania 4.5% to 15% Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 ok fair point, but those percentages are more or less in line with the fees charged. Share this post Link to post Share on other sites
IGotWorms 3,302 Posted May 12, 2022 1 hour ago, Alias Detective said: Simple question - Would you prefer your inheritance be subject to tax and probate or tax and probate free? Estate tax threshold is $11 million. You tell your victims that? Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 2 minutes ago, IGotWorms said: Estate tax threshold is $11 million. You tell your victims that? You clearly aren't smart. Keep reading, you may learn smomething. Share this post Link to post Share on other sites
WhiteWonder 2,171 Posted May 12, 2022 12 hours ago, GutterBoy said: Dude I have a minor in finance Hold the presses! 1 Share this post Link to post Share on other sites
IGotWorms 3,302 Posted May 12, 2022 22 minutes ago, Alias Detective said: You clearly aren't smart. Keep reading, you may learn smomething. I’ve learned you’re a fraud Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 Just now, IGotWorms said: I’ve learned you’re a fraud Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 Crypto is a scam! Crypto Bro: No you just don't understand it. Whole life insurance is a scam! Insurance salesman: No you just don't understand it Herbalife is a scam! Herbalife rep: No you just don't understand it Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 2 minutes ago, GutterBoy said: Crypto is a scam! Crypto Bro: No you just don't understand it. Whole life insurance is a scam! Insurance salesman: No you just don't understand it Herbalife is a scam! Herbalife rep: No you just don't understand it Get out of the all or nothing mode. Damn. Share this post Link to post Share on other sites
IGotWorms 3,302 Posted May 12, 2022 3 minutes ago, GutterBoy said: Crypto is a scam! Crypto Bro: No you just don't understand it. Whole life insurance is a scam! Insurance salesman: No you just don't understand it Herbalife is a scam! Herbalife rep: No you just don't understand it Dude admits he sells scam policies to people who don’t need them. Oh yeah but maybe you might have to pay some small percentage in a handful of states Frankly that type makes me sick. Preying on the elderly and uninformed, stealing their money from them. Nothing different between that sh1t stain and a con man Share this post Link to post Share on other sites
Cdub100 3,366 Posted May 12, 2022 Just now, Alias Detective said: Get out of the all or nothing mode. Damn. He hides his nickles under his mattress because it's the highest he can reach. 1 Share this post Link to post Share on other sites
Hardcore troubadour 12,589 Posted May 12, 2022 2 minutes ago, GutterBoy said: Crypto is a scam! Crypto Bro: No you just don't understand it. Whole life insurance is a scam! Insurance salesman: No you just don't understand it Herbalife is a scam! Herbalife rep: No you just don't understand it Normal person: Transgenderism is a mental illness. Gutterboy: No, you just don’t understand it Normal: wanting to lop off your breasts isn’t a sign of mental illness? Gutterboy: Homophobe! 2 Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 2 minutes ago, IGotWorms said: Dude admits he sells scam policies to people who don’t need them. Oh yeah but maybe you might have to pay some small percentage in a handful of states Frankly that type makes me sick. Preying on the elderly and uninformed, stealing their money from them. Nothing different between that sh1t stain and a con man From a fake internet lawyer. Bwahahahahaha Share this post Link to post Share on other sites
IGotWorms 3,302 Posted May 12, 2022 Just now, Alias Detective said: From a fake internet lawyer. Bwahahahahaha Yep, I fake sue sh1theads like you. It’s tough, gotta prove a fiduciary relationship, and it’s at that time that you c0cksuckers come out and say “hey I’m just a salesman selling the lady a product ” Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 2 minutes ago, IGotWorms said: Yep, I fake sue sh1theads like you. It’s tough, gotta prove a fiduciary relationship, and it’s at that time that you c0cksuckers come out and say “hey I’m just a salesman selling the lady a product ” Sue - Bwahahahahah BTW, what does your firm charge per hour? Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 8 minutes ago, Hardcore troubadour said: Normal person: Transgenderism is a mental illness. Gutterboy: No, you just don’t understand it Normal: wanting to lop off your breasts isn’t a sign of mental illness? Gutterboy: Homophobe! Obsessed with trannies Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 10 minutes ago, Alias Detective said: Get out of the all or nothing mode. Damn. I already admitted that there is some validity 1% of the time. Share this post Link to post Share on other sites
IGotWorms 3,302 Posted May 12, 2022 6 minutes ago, Alias Detective said: Sue - Bwahahahahah BTW, what does your firm charge per hour? Depends, obviously. Different attorneys have different rates, might depend on the type of work, then you’ve got your contingency. When I fake sue you guys it’s typically on contingency, being as how you already robbed the poor old lady blind. I’d much prefer you never scammed anyone in the first place and I got bupkus 1 Share this post Link to post Share on other sites
Alias Detective 1,179 Posted May 12, 2022 1 minute ago, GutterBoy said: I already admitted that there is some validity 1% of the time. Fair enough. Share this post Link to post Share on other sites
edjr 5,547 Posted May 12, 2022 17 minutes ago, Alias Detective said: Sue - Bwahahahahah BTW, what does your firm charge per hour? The Law Firm I worked at (I left 2018) The Paralegals were 200 to 300 an hour. The most senior guy was $900 1 Share this post Link to post Share on other sites
Hardcore troubadour 12,589 Posted May 12, 2022 1 hour ago, IGotWorms said: Depends, obviously. Different attorneys have different rates, might depend on the type of work, then you’ve got your contingency. When I fake sue you guys it’s typically on contingency, being as how you already robbed the poor old lady blind. I’d much prefer you never scammed anyone in the first place and I got bupkus Respect. Share this post Link to post Share on other sites
Hardcore troubadour 12,589 Posted May 12, 2022 Think he can get the Dow below 30 this summer? Share this post Link to post Share on other sites
Pimpadeaux 2,244 Posted May 12, 2022 2 hours ago, Alias Detective said: Get out of the all or nothing mode. Damn. He zeroes in on one kind of annuity and craps on all annuities because a slimeball agent sold one to someone who should have been put into something else. But income and deferred-income annuities are great and appropriate in the right situations. So he thinks he's now an expert. And he knows about as much about whole life as he does annuities, which isn't a lot. Share this post Link to post Share on other sites
GutterBoy 2,277 Posted May 12, 2022 1 minute ago, Pimpadeaux said: He zeroes in on one kind of annuity and craps on all annuities because a slimeball agent sold one to someone who should have been put into something else. But income and deferred-income annuities are great and appropriate in the right situations. So he thinks he's now an expert. And he knows about as much about whole life as he does annuities, which isn't a lot. You're a focking newspaper editor, shut up, you're focking retarded. Share this post Link to post Share on other sites
Hardcore troubadour 12,589 Posted May 12, 2022 17 minutes ago, Hardcore troubadour said: Think he can get the Dow below 30 this summer? Anyone? What’s the bottom? Share this post Link to post Share on other sites
Pimpadeaux 2,244 Posted May 12, 2022 1 minute ago, GutterBoy said: You're a focking newspaper editor, shut up, you're focking retarded. I haven't been in newspapers for almost a decade, you booger-eating yard gnome. Share this post Link to post Share on other sites
