Posted by steve terplak on January 06, 2011 at 18:11:35 from (67.142.168.26):
some questions...for those who know...as i am at a loss i purchased myself a variable whole life policy 2 years ago, w/ my policy i pay a premium for 10 years and then owe nothing on top of that. i am young -28 right now. my job (teacher) gives me a guaranteed life insurance - 3x salary - in addition got married this year and my wife is looking to invest for the future (no retirement at her job) and possibly get info we have had 2 financial people over to sell us stuff and low and behold - each one says that the other one's system is a rip-off and we need to invest with them...which is what i figured would happen
couple other factors - no mortgage (inherited house eventually), low debt - some student loans
should we, in any of your opinions, a) keep my life and get her a whole life too b) get rid of my whole life and both of us get term c) keep my whole life as an insurance + investment, and get her term as cheap coverage and invest the difference more in her retirement.
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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