Chavez Posted February 28, 2008 Share Posted February 28, 2008 As I stated above, whole life isn't for everyone. But it has its place in any financial advisor's tool box. Like an awl. Quote Link to comment Share on other sites More sharing options...
Double Agent Posted February 28, 2008 Share Posted February 28, 2008 As long as it's stubby no one will notice. So true. I know this from hearsay...not experience. Quote Link to comment Share on other sites More sharing options...
TheShiznit Posted February 28, 2008 Share Posted February 28, 2008 If that's the case, I doubt Ramsey is catering to folks who are looking at an estate tax problem upon their death. But for the vast majority of folks, convertible term is the way to go. He's right about that. I don't deny that...but what of a history of diabetes in the family amongst the men lets say..obviously convertible term is the way to go...unless you cannot afford the permanent price at the later ages. double edged sword. I usually use a little of permanent and a bunch of term.....that way there is some around at later ages...no matter what their health. Quote Link to comment Share on other sites More sharing options...
TheShiznit Posted February 28, 2008 Share Posted February 28, 2008 "Endorsed Local Provider" Basically he sends you to school to know how he does things and how he expects the elp to treat his listener/reader/students. He doesn't want the typical pitchman giving them advice, he wants someone who will teach them why the should do what they are being told. I actually talked to an elp this morning about some insurance on my mom-in-law. I have to say he was the most courteous salesman (Ag Edwards affiliate) I have ever dealt with. We talked for 20 minutes after he decided he could not help us. Dave is not a licensed, broker, cpa, or attorney and but he has a lot of elp's who are.. That was my point....scroll up and review as necessary. Quote Link to comment Share on other sites More sharing options...
TheShiznit Posted February 28, 2008 Share Posted February 28, 2008 Liar, I have never heard him refer to his elp's as Christians, good or not, Liar. Of course you do not even know what elp stands for liar, liar. Is this your theme song? You can call me what you wish, but I have listened to Dave Ramsey in the past and was a frequent caller to his program....complained about his claim of "put your money in a large cap growth fund and make 12%!!!!! LOL. Yeah...notice how he backed way off that statement. You must be a Christian to be an ELP provider. Just because I don't give a Athenae what it stands for....I knew disco fever baby! it was. go along with your brainwashing and run along. Quote Link to comment Share on other sites More sharing options...
polksalet Posted February 28, 2008 Author Share Posted February 28, 2008 You can call me what you wish, but I have listened to Dave Ramsey in the past and was a frequent caller to his program....complained about his claim of "put your money in a large cap growth fund and make 12%!!!!! LOL. Yeah...notice how he backed way off that statement. You must be a Christian to be an ELP provider. Just because I don't give a Athenae what it stands for....I knew disco fever baby! it was. go along with your brainwashing and run along. lightweight Quote Link to comment Share on other sites More sharing options...
TheShiznit Posted February 28, 2008 Share Posted February 28, 2008 lightweight And that is just what is in your pants....imagine the descriptions we would get with descriptions of the matter between your ears! Quote Link to comment Share on other sites More sharing options...
Chavez Posted February 29, 2008 Share Posted February 29, 2008 You must be a Christian to be an ELP provider. Just because I don't give a Athenae what it stands for...Pun intended? Quote Link to comment Share on other sites More sharing options...
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