Seeing a lot of sociopaths on here lately. Just a friendly reminder.

2021.10.16 05:18 Dark_Instinct Seeing a lot of sociopaths on here lately. Just a friendly reminder.

submitted by Dark_Instinct to Bumble [link] [comments]


2021.10.16 05:18 Specific-Ad-822 Drunk and could use some compliments [over 18]

Drunk and could use some compliments [over 18] submitted by Specific-Ad-822 to selfie [link] [comments]


2021.10.16 05:18 quickredundancy1 This about sums it up.

This about sums it up. submitted by quickredundancy1 to WhitePeopleTwitter [link] [comments]


2021.10.16 05:18 Izzypizzywizzy Am I paying too much for my term insurance? Term/WL?

Hi all, I (27M) would like to hear some thoughts from everyone on whether my insurance planning is sound. If there are any points that I have overlooked, would be great to hear them.

  1. I currently hold a term insurance till age 75, for a sum assured of 1mill for death and TPD, 200k late CI and 100k Multipay CI. This comes with premium loading (50% more premium payable for the CI and Multipay CI portions due to my pre-existing health conditions). So the annual premium I am paying for this plan is about 2.6k (inclusive of loading of about $600-700/year).
  2. I understand that typically most people want their term plans to last only until retirement age (e.g. 60-70) but at the time I thought the difference in total premiums to be paid if I were to extend it to 75 is not that much in contrast to the coverage (about 20k difference in total premiums). Furthermore, CIs typically increase in occurrence after 70.
  3. However I am aware I am paying quite a lot for this term plan, which will add up to about 130k by age 75. This is largely due to the multipay CI portion which takes up the bulk of the premium (about 1.6k/year), especially due to loading. Not sure if I should keep the multipay but one good thing is that it covers my pre existing condition.
  4. I am now considering whether it would be more worthwhile to partially convert this term policy to a whole life (WL) policy (about 200k for death and TPD and 200k for late CI - inclusive of a 2x multiplier until age 70), or maybe even get a separate WL policy on top of my existing policy. As such, I would have a term policy which has the purpose of high coverage at low premium and the Multipay CI, while the WL policy would be for a peace of mind with whole life protection for late CI and a guaranteed death benefit/cash value.
The reason why I’m considering conversion is that if I were to obtain a separate new policy, my pre-existing condition may be excluded entirely. Or there may be loading similar to the current plan, in which case I would be open to getting a new policy instead of converting.
  1. Based on calculations, the premiums for the converted WL policy to be paid over a 20 year period would be about 55k in total (about 2.7k per year). At the same time, the reduced term plan would have a reduced premium, amounting to a total of 115k at the end of age 75. My thought process is that, while the overall premiums paid for WL + Term policy will be higher than the current arrangement of having only the term plan, the benefit is that the WL policy will have a cash value, or a guaranteed death benefit at the least if I do not surrender it - which would go to my beneficiaries. In a way, it seems more “worth it” as I can at least recoup some of the money used to pay off the premiums.
  2. In conclusion: (i) Should I keep this term plan and multipay as it is? (ii) Should I partially convert it to get whole life late CI coverage and make it more “worthwhile” in terms of cash value/my beneficiaries getting a guaranteed death benefit? (iii) Should I get a separate WL plan for whole life ECI and late CI coverage? Conversion of my term plan would only allow for late CI coverage for whole life. How important is whole life early/late CI coverage?
Lastly, I understand that the premiums for the WL plan can instead be used for investing (aka buy term invest the rest) but I am currently just starting out on my investment journey (e.g. Robo, VWRA) and not sure if I can achieve a better outcome by my own investing, than the WL plan (in terms of the guaranteed sum or with projected return). Btw the projected returns look really high - should I be referring to this or the guaranteed sum when making my decision?
Would be really grateful to hear your thoughts on this and please highlight any blindspots that I may have.
submitted by Izzypizzywizzy to singaporefi [link] [comments]


2021.10.16 05:18 johnnyle530 Lost My Vaccine Card in Maui. Name Johnny

submitted by johnnyle530 to maui [link] [comments]


2021.10.16 05:18 Brentsilva9989 I was in a Bizarre Convenient Store Robbery a few Years Back. AMA

I made this to discuss an odd robbery I was caught up in a few years ago. I was 22, playing cards in the back room of a convenient store, and we were all victims of a robbery at gunpoint with a handful of strange characters. This is mainly a way for me to revisit the incident and hopefully share some insight on what I learned since then. AMA
submitted by Brentsilva9989 to AMA [link] [comments]


2021.10.16 05:18 rafamts Does the ThinkPad x230 and t430 have the same performance?

submitted by rafamts to thinkpad [link] [comments]


2021.10.16 05:18 _ilikecmyk_ Kris - me - acrylic on canvas - 2021

Kris - me - acrylic on canvas - 2021 submitted by _ilikecmyk_ to AbstractArt [link] [comments]


2021.10.16 05:18 Sarcastic_Sorcerer WYR earn 10,000,000 dollars a year by watching paint dry for 8 hours a day, or 25,000 a year as a wizard?

View Poll
submitted by Sarcastic_Sorcerer to WouldYouRather [link] [comments]


2021.10.16 05:18 comfycessna Week of decaf - hair shedding, constipation

Anyone else experience this when switching? Also my genitals are itching like crazy now.
submitted by comfycessna to decaf [link] [comments]


2021.10.16 05:18 Second_Woodsman This delightful woman at the Busan night market sold all manner of treats.

This delightful woman at the Busan night market sold all manner of treats. submitted by Second_Woodsman to KoreanFood [link] [comments]


2021.10.16 05:18 be_an11 question about the false dragons

Are all the false dragons really puppets of the white tower? Or was it juts baalzamon trying to create some conflict between rand and the aes sedai I am in great hunt no spoilers please
submitted by be_an11 to WoT [link] [comments]


2021.10.16 05:18 MJLILY Loki-After-2 Collection BEFORAFTER

Loki-After-2 Collection BEFORAFTER submitted by MJLILY to NFTland [link] [comments]


2021.10.16 05:18 ThrowRA_SILspilled Deflecting questions at a family event

First of all, I have an unfortunate body type. 90% of my excess weight is right on my belly. Even when I'm in my best shape, I have a pooch. I'm not currently in my best shape. More than once, I've had people congratulate me or ask when I'm due and had to say, "No, not pregnant, just fat." My husband's family, in particular, does it often.
The problem is, the next time I see them, in mid-November, I will (hopefully) be 2 months pregnant. I say hopefully, because I've had a few losses.
My problem is, I don't know what to say if they ask. It'll still be early enough that the belly is all me. I've put my weight loss efforts on pause because my midwife doesn't want me cutting calories right now. I don't want to announce anything until we're out of the danger zone. However... I also don't want to say I'm not pregnant. I know it's stupid, but I can help feeling I might jinx the pregnancy somehow if I say I'm not pregnant. So what do I say?
submitted by ThrowRA_SILspilled to Advice [link] [comments]


2021.10.16 05:18 Musical_Maniaster STNE dip buying, doing right?

STNE dip buying, doing right? submitted by Musical_Maniaster to wallstreetbets [link] [comments]


2021.10.16 05:18 Illustrious_Meat_990 FesBNB - The Safest and Fairest platform for everyone!

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3 SAFUEST DEV contribute in this project.
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They have whitelist competition running. Also, Private Saler and Whitelist Saler will receive their tokens an hour before launch, to give them opportunity to stake their tokens.
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🔹 Renounced Ownership: https://bscscan.com/token/0x87e4da0d8736ce3e10c891dec56af77c6f1d936d#readContract
🔐 Liquidity Lock 1 YEAR
submitted by Illustrious_Meat_990 to CryptoMars [link] [comments]


2021.10.16 05:18 Vanta_1 [herbstluftwm] A quick little post before dive in and revamp my setup

[herbstluftwm] A quick little post before dive in and revamp my setup submitted by Vanta_1 to unixporn [link] [comments]


2021.10.16 05:18 OzBargainBot [Latitude Pay] DJI Mavic Mini SE Flymore Combo $569 + Delivery ($0 C&C) @ The Good Guys

[Latitude Pay] DJI Mavic Mini SE Flymore Combo $569 + Delivery ($0 C&C) @ The Good Guys submitted by OzBargainBot to OzBargainNew [link] [comments]


2021.10.16 05:18 staze Driver install during OSD (inconsistent)

Curious if others have seen extremely inconsistent behavior with driver installs during OSD on at least Dells. Latest driver packs, you'll do one image, and everything will be there and working. You'll do another, and you'll be missing intel drivers, the GPU will be "Microsoft Basic Display Adapter", etc.
It behaves like during imaging it's applying the drivers in just a "whatever" fashion and that results in the chipset drivers getting installed after other stuff, and then new devices show up once the chipset drivers are installed.
If others are seeing this, how are you all handling it? I keep looking at the Driver Automation Tool product "Modern Driver Management" (and it's script for "Apply Driver Package") during OSD wondering if it maybe works better.
I guess I'm just confused why it's so inconsistent, and if there's anything we can do to help.
Fwiw, our OSD TS has a sub-TS that's called that applies the given driver package based on the make and model. We broke it out so that we could adjust it as needed and also wouldn't run into giant TS. So we just have a step for each make/model and it applies the drivers (like say, Latitude 7420).
Thanks!
submitted by staze to SCCM [link] [comments]


2021.10.16 05:18 AnnaGorlos Burning incense for meditation decreases stress, and it is believed that different types of incense, like sandalwood, lavender, jasmine – have the power to cleanse negative energy, ease tension, and elevate your meditative state.

Burning incense for meditation decreases stress, and it is believed that different types of incense, like sandalwood, lavender, jasmine – have the power to cleanse negative energy, ease tension, and elevate your meditative state. submitted by AnnaGorlos to Annaxo [link] [comments]


2021.10.16 05:18 throwawayguiltygirl Multi million dollar business, McMasterCarr

In US there's a website called McMasterCarr, they've wide range of industrial supply, you can order even single piece and most goods are delivered in a day or two.
India doesn't seem to have this? How come Indians are leaving this huge opportunity?
submitted by throwawayguiltygirl to IndiaShortage [link] [comments]


2021.10.16 05:18 Ok_Pirate_4286 me_irl

me_irl submitted by Ok_Pirate_4286 to me_irl [link] [comments]


2021.10.16 05:18 PatriarchalTaxi [WP] The galactic authorities have misclassified earth as "not containing intelligent life". You have been sent as an ambassador to try and persuade them that they are wrong.

submitted by PatriarchalTaxi to WritingPrompts [link] [comments]


2021.10.16 05:18 Hyperius999 Why is it whenever I have a 69420 IQ funny comment idea, it is nullified by that damn tag?

Why is it whenever I have a 69420 IQ funny comment idea, it is nullified by that damn tag? submitted by Hyperius999 to memes [link] [comments]


2021.10.16 05:18 Flashy_Philosophy376 Thor is bored (Avengers IW - 2018)

https://www.youtube.com/watch?v=DUMyBaSwDGA
Did anyone else see this? I don't think its scripted.
submitted by Flashy_Philosophy376 to Avengers [link] [comments]


http://edaterrasa.ru