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Showing results 1 to 25 of 74
Search took 0.01 seconds. Search: Posts Made By: Sturgbe |
Forum: ESTATE PLANNING
05-01-2009, 12:05 AM
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Replies: 1
Views: 1,191
Posted By
Sturgbe
Why buy an annuity at all if you do not want or...
Why buy an annuity at all if you do not want or need the insurance riders? The costs for those riders are insurance costs, not investment costs. You are paying to transfer some risk back to the... |
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Forum: RETIREMENT
03-10-2008, 01:14 PM
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Replies: 2
Views: 1,128
Posted By
Sturgbe
An inverted yield curve is the reason for a the...
An inverted yield curve is the reason for a the better rate/shorter terms. This Multi-year Guaranteed Annuity (MYGA) is also subject to Market Value Adjustment (MVA) which is neither good or bad... |
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Forum: INSURANCE
02-29-2008, 04:23 PM
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Replies: 29
Views: 5,214
Posted By
Sturgbe
With an income of $245k currently, do anticipate...
With an income of $245k currently, do anticipate that this will decrease in years to come, stay the same or increase??? At 36 and 35 years young, you have approx. 20-30 years left in the workforce... |
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Forum: RETIREMENT
02-29-2008, 03:31 PM
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Replies: 2
Views: 1,043
Posted By
Sturgbe
Is this a conversion from a traditional IRA? ...
Is this a conversion from a traditional IRA? If it started out as a ROTH, you may withdrawl your contributions at any time without penalty. Any gain withdrawn is subject to the pre 59.5 penalties. |
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Forum: INSURANCE
10-11-2007, 01:09 PM
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Replies: 185
Views: 61,721
Posted By
Sturgbe
Title 26, Section 264(a)3 states explicitly that,...
Title 26, Section 264(a)3 states explicitly that, if you remove equity from your home and reposition the borrowed funds into cash value life insurance with the idea of borrowing from it, the interest... |
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Forum: RETIREMENT
10-05-2007, 01:36 PM
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Replies: 12
Views: 1,728
Posted By
Sturgbe
satmewant,
Do you think they are good? As opai...
satmewant, Do you think they are good? As opai stated earlier on, what risk are you willing to take for the return (risk tolerance). 9% is GREAT for a moderate investor. What do you think about... |
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Forum: RETIREMENT
10-04-2007, 06:11 PM
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Replies: 12
Views: 1,728
Posted By
Sturgbe
Opai Quote:
"then getting ONLY 9% is ok. ...
Opai Quote: "then getting ONLY 9% is ok. that said, the S&P has returned almost 15% in that time frame ... a full 33% MORE than what you are getting." Just to nit-pick a little, how is a 15% return... |
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Forum: INSURANCE
09-28-2007, 03:08 PM
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Replies: 5
Views: 2,567
Posted By
Sturgbe
Get the agents license number and affiliation. ...
Get the agents license number and affiliation. Ask the company to run an in-force illustration. Do you know that cash surrender value? More than likely, the agent is trying to do a Life... |
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Forum: RETIREMENT
09-28-2007, 02:48 PM
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Replies: 9
Views: 1,897
Posted By
Sturgbe
legnet,
I tried to follow the logic in your...
legnet, I tried to follow the logic in your above scenario...but I couldn't. I am not sure what you mean in a few points. For example, what are the tax benefits of RMD? What are your trying to do... |
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Forum: RETIREMENT
09-28-2007, 02:36 PM
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Replies: 9
Views: 1,897
Posted By
Sturgbe
Clyde,
The problem with that "Money"...
Clyde, The problem with that "Money" article is that they are comparing VA's to MF's. After I hear anyone use that comparison, I lose all respect for that person (financial respect). Do NOT... |
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Forum: RETIREMENT
09-20-2007, 11:25 PM
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Replies: 9
Views: 1,897
Posted By
Sturgbe
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Forum: FINANCIAL SERVICES
09-10-2007, 11:37 PM
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Replies: 21
Views: 12,836
Posted By
Sturgbe
If Primerica is so great and noble and is looking...
If Primerica is so great and noble and is looking to get their clients out of debt and save them tons of money...then why is their term SOOOO expensive? Their term can run over 100% higher than... |
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Forum: RETIREMENT
08-21-2007, 02:42 PM
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Replies: 9
Views: 4,439
Posted By
Sturgbe
When people read "6% GUARANTEE", they...
When people read "6% GUARANTEE", they are more than likely being misinformed. Do not leave out the material facts regarding this 'guarantee'. How does one actually receive this 6% guarantee? What... |
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Forum: FINANCIAL SERVICES
08-03-2007, 02:56 PM
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Replies: 11
Views: 3,057
Posted By
Sturgbe
LP's were not the main area of misconduct. Pru...
LP's were not the main area of misconduct. Pru reps were mainly in the business of taking the cash or dividend inside old Mod polices and using it to buy additional polices..."paid up" policies they... |
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Forum: ESTATE PLANNING
07-20-2007, 05:15 PM
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Replies: 4
Views: 6,692
Posted By
Sturgbe
Correct Price!
Inherited IRAs are not eligible...
Correct Price! Inherited IRAs are not eligible for rollover treatment under IRC Section 408(d)(3)(C). Consequently, an inherited IRA cannot be rolled over. There has to be en election made soon... |
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Forum: ESTATE PLANNING
07-16-2007, 04:45 PM
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Replies: 27
Views: 6,223
Posted By
Sturgbe
Is this VA Qualified or Non-Qualified?
What are...
Is this VA Qualified or Non-Qualified? What are you comparing the VA with in regards to "expensive"? What does Vangurad offer in the way of "living Benefits"? What product/company did you move her... |
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Forum: ESTATE PLANNING
06-26-2007, 03:01 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
I thought you said that this client did a 1035...
I thought you said that this client did a 1035 exchange???? If this is an IRA how did they do a 1035 exchange? You do know the difference...right? Are you going to answer a question or not? What... |
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Forum: ESTATE PLANNING
06-25-2007, 05:41 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
Gary,
In the rare circumstance that someone...
Gary, In the rare circumstance that someone doesn't fit the profile of a fixed annuity, what product do you recommend? Also, please validate this paragraph from one of your last posts: "Agent... |
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Forum: ESTATE PLANNING
06-08-2007, 01:25 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
Gary,
Can a traditional fixed annuity or MYGA...
Gary, Can a traditional fixed annuity or MYGA ever out-perform an Indexed Annuity? We all know that Gary will dodge this question so I will answer for him. The answer is...YES! No market risk... |
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Forum: ESTATE PLANNING
06-07-2007, 02:47 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
Gary,
Let's back up a little to your comment...
Gary, Let's back up a little to your comment about IA's. Here it is: "Keep in mind securities reps CANNOT offer these products to their clients UNLESS their Broker-Dealer allows them. Nor do... |
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Forum: ESTATE PLANNING
05-10-2007, 03:18 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
What fixed annuity is paying 6.5%? If you are...
What fixed annuity is paying 6.5%? If you are talking about an IA, that rate is very hypothetical. You can not guarnatee 6.5%. Disregard Gary's comments. They are fictitious and erroneous at... |
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Forum: ESTATE PLANNING
05-09-2007, 03:19 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
What is the name of this VA? What Insurance...
What is the name of this VA? What Insurance Company is it? What were the subaccounts she was invested in? Did she have any riders, Living Benefits? I think if you are going to exchange a product,... |
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Forum: ESTATE PLANNING
05-08-2007, 03:31 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
Arguing with Gary is like 'calling' a retarded...
Arguing with Gary is like 'calling' a retarded person for double-dribbling. They have no clue what is going on and they are going to continue to do what they feel like doing. Just let them keep... |
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Forum: ESTATE PLANNING
05-04-2007, 02:29 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
Gary,
I will try and answer your question this...
Gary, I will try and answer your question this time. Q: explain to me how the death benefit payment to the named beneficiary in an annuity contract has anything to do with Income in Respect of a... |
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Forum: ESTATE PLANNING
05-03-2007, 01:12 PM
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Replies: 317
Views: 42,535
Posted By
Sturgbe
Gary,
This entire thread came about from your...
Gary, This entire thread came about from your comments on how annuities are the BEST vehicles for protection and TRANSFERS. The 'Transfers' was where I had the problem. You have still NEVER... |
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