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Rudraksha
Junior Artist
Username: Rudraksha

Post Number: 166
Registered: 07-2012
Posted From: 70.181.57.58

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Posted on Wednesday, September 12, 2012 - 10:16 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guru:

last yr cruise ki velle mundu will rasi vellam just in case ani




ela chesaru? please post the details
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Chakkera_keli
Junior Artist
Username: Chakkera_keli

Post Number: 309
Registered: 08-2012
Posted From: 206.39.12.245

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Posted on Tuesday, September 11, 2012 - 04:51 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Coolmac:

What I read was, DONT TREAT LIFE INSURANCE AS AN INVESTMENT... we buy it for our mental peace and if something happens it helps our dear ones... Universal lo ithe ekkuva kattali... and returns are much less... aa ekkuva pettedhi edho much better investment lo pettukunte..u can earn the term insurance premium easily.. This is what we decided on that day when discussing with Mr.Hyd..




thanks annai..... ayithe nenu kuda ade cheyali.....
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Rajusk
Megastar
Username: Rajusk

Post Number: 22917
Registered: 02-2008
Posted From: 208.54.87.248

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Posted on Tuesday, September 11, 2012 - 04:43 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:


I will forward the e-mail and explain the details..check out .our call me..if you have time now..
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Maverick
Legend
Username: Maverick

Post Number: 40590
Registered: 01-2008
Posted From: 204.86.209.200

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Posted on Tuesday, September 11, 2012 - 04:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

rajugaru emita blore deals. ee month india going..emanna unte naku mail cheyyandi choosta..or i will call u
Who is this DB member?
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Rajusk
Megastar
Username: Rajusk

Post Number: 22916
Registered: 02-2008
Posted From: 208.54.87.248

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Posted on Tuesday, September 11, 2012 - 04:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:


cash vasthe em cheyyali ani telsukodaniki vellanu...cash inka raaledu..time paduthundi...but oka 3/4 options ready pettukovali kada..this is one of them..

Mav might be interested in Bangalore deals ..he had been asking for a while
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Oohlala
Side Hero
Username: Oohlala

Post Number: 3102
Registered: 09-2008
Posted From: 173.36.196.7

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Posted on Tuesday, September 11, 2012 - 04:26 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:



http://www.legalzoom.com/wills-estate-planning/summary-compa re-wills.html

legalzoom etc cost you about $400-500, attorney is a little more....
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King
Side Hero
Username: King

Post Number: 3737
Registered: 08-2008
Posted From: 208.185.201.194

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Posted on Tuesday, September 11, 2012 - 04:19 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:



rajugaru..emi decide chesaru about the RE seminar
Ashton - I'm living an Amish lifestyle. so far so good.
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Rajusk
Megastar
Username: Rajusk

Post Number: 22915
Registered: 02-2008
Posted From: 208.54.87.248

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Posted on Tuesday, September 11, 2012 - 04:18 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Oohlala:


why Trust..why not Will..

Difference enti..what are the costs involved..vivarimpudi
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Oohlala
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Username: Oohlala

Post Number: 3095
Registered: 09-2008
Posted From: 173.36.196.7

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Posted on Tuesday, September 11, 2012 - 03:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:



Didnt read the entire thread, rather than will, living trust is the better choice. You can either talk to an attorney or use self service tools like legalzoom. This will avoid surviving family to go to a probate court to inherit the property.
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Twitter
Megastar
Username: Twitter

Post Number: 22319
Registered: 10-2009
Posted From: 151.191.175.207

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Posted on Tuesday, September 11, 2012 - 03:30 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:

antha term policy's undavu.



i know ..raju garu health ni dhrusti lo pettukoni kaalu laaga anthe ;)
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Kuyyo_morro
Side Hero
Username: Kuyyo_morro

Post Number: 9607
Registered: 02-2011
Posted From: 63.123.132.200

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Posted on Tuesday, September 11, 2012 - 03:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

are u talking abt Whole Iife which carries cash value


Yes. cash value undi. 500K life insurance.
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Time_pass
Side Hero
Username: Time_pass

Post Number: 4071
Registered: 06-2008
Posted From: 136.174.187.5

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Posted on Tuesday, September 11, 2012 - 03:05 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Northwestern Mutual
Mass mutual
New York Life
In this order are the best companies for whole life
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Andhrawala
Hero
Username: Andhrawala

Post Number: 14384
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Tuesday, September 11, 2012 - 03:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Cinejeevi:

I wrote my will many years back. In this country you never know. Better safe than sorry. Especially I heard quite a few sudden deaths (heart attacks mostly) in the age group of 35 plus.

Usually while filing taxes every year pls update a copy of all your assets information (savings, cars, houses, plots in India, ichchina appulu etc.,) and debits (like LIC premiums with due dates). Keep this paper along with Will in a locker and don't forget to give the locker operating access to someone else apart from your spouse.

sarvE janaa sukhinObhavantu




-- etta raayaali
-- yee inpormation pettaali
-- pill sesekaaa evvariki pampaaali
No Signature
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Coolmac
Hero
Username: Coolmac

Post Number: 14535
Registered: 05-2007
Posted From: 65.170.103.156

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Man_of_masses:

neeku appuluntai ante nenettaagu namman, edo oti etti po :D




edho okati ettaalaa? appu ivvu... IP ettestaan neeku :D
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Coolmac
Hero
Username: Coolmac

Post Number: 14534
Registered: 05-2007
Posted From: 65.170.103.156

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Posted on Tuesday, September 11, 2012 - 02:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Man_of_masses:

neelati 200k


120K naak ichesi migathadhi teesesko nuvvu
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Cinejeevi
Comedian
Username: Cinejeevi

Post Number: 1453
Registered: 09-2010
Posted From: 69.147.191.50

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Posted on Tuesday, September 11, 2012 - 02:58 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

I wrote my will many years back. In this country you never know. Better safe than sorry. Especially I heard quite a few sudden deaths (heart attacks mostly) in the age group of 35 plus.

Usually while filing taxes every year pls update a copy of all your assets information (savings, cars, houses, plots in India, ichchina appulu etc.,) and debits (like LIC premiums with due dates). Keep this paper along with Will in a locker and don't forget to give the locker operating access to someone else apart from your spouse.

sarvE janaa sukhinObhavantu
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Man_of_masses
Side Hero
Username: Man_of_masses

Post Number: 7504
Registered: 01-2008
Posted From: 199.96.153.92

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Posted on Tuesday, September 11, 2012 - 02:58 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Coolmac:

appu ye kadhaa... pettestaa nee peru na kontha appu



neeku appuluntai ante nenettaagu namman, edo oti etti po :D
http://i42.tinypic.com/54g1g2.png
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Thelegend
Moderator
Username: Thelegend

Post Number: 19308
Registered: 04-2008

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Posted on Tuesday, September 11, 2012 - 02:58 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Zulu:

denemma will lekapothey dabbul state dobbeyyatam enti..communism kante warast idhi..malli peru ki pedha free market..capitalist country antaru..


ante mari attorney industry and will making corporatins kosam :-)
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Man_of_masses
Side Hero
Username: Man_of_masses

Post Number: 7503
Registered: 01-2008
Posted From: 199.96.153.92

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Coolmac:

220$ per month takkuvaa neeku?




neelati 200k ollake ekkuvaite.. maalatollu alosinchan kuda sinchoddu emo :D
http://i42.tinypic.com/54g1g2.png
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Coolmac
Hero
Username: Coolmac

Post Number: 14533
Registered: 05-2007
Posted From: 65.170.103.156

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Man_of_masses:

naa peru meeda ohh lacha daalarlu petti po


appu ye kadhaa... pettestaa nee peru na kontha appu :D
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Rajusk
Megastar
Username: Rajusk

Post Number: 22914
Registered: 02-2008
Posted From: 208.54.87.248

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Posted on Tuesday, September 11, 2012 - 02:57 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:


legalzoom vaadu charging 69.99..let me know if you find anything better for Will
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Man_of_masses
Side Hero
Username: Man_of_masses

Post Number: 7501
Registered: 01-2008
Posted From: 199.96.153.92

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Posted on Tuesday, September 11, 2012 - 02:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Coolmac:


will raseppudu nannu marsipoku, naa peru meeda ohh lacha daalarlu petti po
http://i42.tinypic.com/54g1g2.png
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Rajusk
Megastar
Username: Rajusk

Post Number: 22913
Registered: 02-2008
Posted From: 208.54.87.248

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Posted on Tuesday, September 11, 2012 - 02:54 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Twitter:


naadi kooda NYL ae..
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Zulu
Hero
Username: Zulu

Post Number: 13382
Registered: 02-2008
Posted From: 199.168.243.252

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Posted on Tuesday, September 11, 2012 - 02:53 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

denemma will lekapothey dabbul state dobbeyyatam enti..communism kante warast idhi..malli peru ki pedha free market..capitalist country antaru..

Rep controlled states better anukunta..Texas lo E type dochukovatam ledhu..
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Coolmac
Hero
Username: Coolmac

Post Number: 14531
Registered: 05-2007
Posted From: 65.170.103.156

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Posted on Tuesday, September 11, 2012 - 02:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

kabatte thakkuva price.


220$ per month takkuvaa neeku?
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Simba
Side Hero
Username: Simba

Post Number: 7263
Registered: 02-2008
Posted From: 206.210.17.33

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Posted on Tuesday, September 11, 2012 - 02:51 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:

naa LDL 100 daataledu eppudu..



Itta unte neeku company vaade reverse lo preimum kadathadu :-)
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Andhrawala
Hero
Username: Andhrawala

Post Number: 14383
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Tuesday, September 11, 2012 - 02:48 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

I got it when I was 27.



very expensive emo katha sameee

are u talking abt Whole Iife which carries cash value
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King
Side Hero
Username: King

Post Number: 3728
Registered: 08-2008
Posted From: 208.185.201.194

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Posted on Tuesday, September 11, 2012 - 02:47 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Twitter:

na matini inko 40yr term



antha term policy's undavu..thats why you take whole life. ayina LI is just in case anthe kaani it is not an asset to your family where they can cash in after you die when you are 80. LI is to covers kids education and mortgage in you absence
Ashton - I'm living an Amish lifestyle. so far so good.
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Rajusk
Megastar
Username: Rajusk

Post Number: 22912
Registered: 02-2008
Posted From: 208.54.87.248

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Bunty717:


naa LDL 100 daataledu eppudu..
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Twitter
Megastar
Username: Twitter

Post Number: 22318
Registered: 10-2009
Posted From: 151.191.175.207

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Posted on Tuesday, September 11, 2012 - 02:45 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:

nenu teesukonnade 39 years ki....



still too short ..may be 30yrs ki vellalsindhi NYL lo ledhu..ING has that.
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Kuyyo_morro
Side Hero
Username: Kuyyo_morro

Post Number: 9606
Registered: 02-2011
Posted From: 63.123.132.200

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Andhrawala:

Car payment laagundhii kathaa


I got it when I was 27.
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Rajusk
Megastar
Username: Rajusk

Post Number: 22911
Registered: 02-2008
Posted From: 208.54.87.248

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Twitter:


nenu teesukonnade 39 years ki....
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Twitter
Megastar
Username: Twitter

Post Number: 22317
Registered: 10-2009
Posted From: 151.191.175.207

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Posted on Tuesday, September 11, 2012 - 02:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:

1 million 20 year policy



too short for you ..you will easily outlife this period..na matini inko 40yr term theeskondi raju garu
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Andhrawala
Hero
Username: Andhrawala

Post Number: 14382
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Tuesday, September 11, 2012 - 02:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

$220 p.m ikkada for same coverage. Kakunte health conditionmost important.




Car payment laagundhii kathaa

offcourse he has to bear the risk also

took 200K Life Insurance with accidnet risk covered (Term) for $30 a month
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Parugu
Junior Artist
Username: Parugu

Post Number: 160
Registered: 07-2012
Posted From: 192.234.2.24

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Posted on Tuesday, September 11, 2012 - 02:39 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

xferts oka sample ivvandi.

manamey type chesi sign chesi notraize chestey saripotunda? manam potey govt ki ee will ela dorkutundi? how? how?
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Bunty717
Moderator
Username: Bunty717

Post Number: 29005
Registered: 02-2008

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Posted on Tuesday, September 11, 2012 - 02:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:

Naadi kooda 1 million 20 year policy..pay 80per month




vaarni adeti anta takunna.. nen oppukonu.. naku vongo bedutunnadu.. warast fellows
andariki golden heart PK telusu.. naaku KF telusu..
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Coolmac
Hero
Username: Coolmac

Post Number: 14530
Registered: 05-2007
Posted From: 65.170.103.156

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Kuyyo_morro:

Health condition chudnadi ekakda kuda offer cheyaledu.


health condition choodakunda aadu insurance istey... mana billa photo ettukovali aadu :D
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Kuyyo_morro
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Username: Kuyyo_morro

Post Number: 9604
Registered: 02-2011
Posted From: 63.123.132.200

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Coolmac:

Life insurance nelaki 220$ aa? ante per annum 2500$... annai naaku teliyaka aduguthaan ..neekemanna severe health problems vunnayaa?


Helath problems unte LI is expensive.

Khushi lo Pawan Kalyan la entha ullasanga unnano, entha uthsahangaa unnano kabatte thakkuva price.
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Rajusk
Megastar
Username: Rajusk

Post Number: 22910
Registered: 02-2008
Posted From: 208.54.87.248

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Posted on Tuesday, September 11, 2012 - 02:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guru:




Naadi kooda 1 million 20 year policy..pay 80per month
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Coolmac
Hero
Username: Coolmac

Post Number: 14529
Registered: 05-2007
Posted From: 65.170.103.156

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Posted on Tuesday, September 11, 2012 - 02:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

Life.


Life insurance nelaki 220$ aa? ante per annum 2500$... annai naaku teliyaka aduguthaan ..neekemanna severe health problems vunnayaa?
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Twitter
Megastar
Username: Twitter

Post Number: 22313
Registered: 10-2009
Posted From: 151.191.175.207

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Posted on Tuesday, September 11, 2012 - 02:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:


I shopped around like crazy for insurances, college fund etc. Health condition chudnadi ekakda kuda offer cheyaledu.



bunty anedhi Accidental insurance emo ..adhaithe health choodadu
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Coolmac
Hero
Username: Coolmac

Post Number: 14528
Registered: 05-2007
Posted From: 65.170.103.156

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Guru:

1 Mil - 30yr policy is paying 63$/month, took it when i was 29




Yup... u get good deal if we take it before 30 than taking at 35.. but the 5yr premium also costs... bottomline, insurance company knows how to squeeze u..no escape :D
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King
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Username: King

Post Number: 3726
Registered: 08-2008
Posted From: 208.185.201.194

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Posted on Tuesday, September 11, 2012 - 02:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Kuyyo_morro:

$220 p.m ikkada for same coverage.



if you dont mind telling what was that shot up your insurance premium. Info unte avi check cheyinchukoni insurance ki shop cheyachu ani
Ashton - I'm living an Amish lifestyle. so far so good.
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Bunty717
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Kuyyo_morro:

Health condition chudnadi ekakda kuda offer cheyaledu.




credit unions chestaaru..
new members ki chestaaraa ante no idea.. naku cheseru infact two credit unions
cheseyi..100K ki some 13 $ pm for term ins
andariki golden heart PK telusu.. naaku KF telusu..
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Kuyyo_morro
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Coolmac:

u talking about health insurance or Life insurance??


Life.
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Coolmac
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Kuyyo_morro:

$220 p.m ikkada for same coverage. Kakunte health conditionmost important.




u talking about health insurance or Life insurance??
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Kuyyo_morro
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Bunty717:

what do you mean by best conditions.. physicals emi avasaram ledu antunnadu..


Physical ante minimum checking untundi like cholesterol, sugar, smoking.

I shopped around like crazy for insurances, college fund etc. Health condition chudnadi ekakda kuda offer cheyaledu.
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Uppu
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American Genral insurence ela untundi, machi quotes istunnadu
âGenerations to come will scarce believe that such a one as this walked the earth in flesh and blood.â
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Coolmac:


oka 30-35yrs no smoking adult male ki around 700$ per annum avuthundhi to get 750K Life insurance... If you get anything less thatn 700$ means u are good to go..




naa case lo non-smoker ni Super preferred class loki osthanu oka 600 lo aipoddhi
anukunna kaani hdl thakkuva undhi dhebba kottindhi ..kaani you have option to
improve your no's and decrease the premium ..manam vollu kadhuputhe kadha
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Guru
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Coolmac:

oka 30-35yrs no smoking adult male ki around 700$ per annum avuthundhi to get 750K Life insurance... If you get anything less thatn 700$ means u are good to go..




1 Mil - 30yr policy is paying 63$/month, took it when i was 29
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Bunty717
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Coolmac:

porapatuna smoking ayyivundi...no smoking ani ettaav ante... total insurance void avudhi ani gurthettukondi smokers




OT ki cheppu.. Ins company ni fool chesesenu ani tega murisipotunnadu..kiki
andariki golden heart PK telusu.. naaku KF telusu..
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Kuyyo_morro
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Coolmac:

oka 30-35yrs no smoking adult male ki around 700$ per annum avuthundhi to get 750K Life insurance... If you get anything less thatn 700$ means u are good to go..


$220 p.m ikkada for same coverage. Kakunte health conditionmost important.

Parents evaranna unte, take your kid's life insurance right away. It costs like $50 a month and will continue to be $50 when they grow up to 30s.
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Coolmac
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Gatti_gunde:

mekk annai salesforce ante enti




salesforce aa? ante enti? :D
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Coolmac
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Twitter:

inka convert cheyaledhu oka vela chesthe per anum oka 5k kadathanemo




too much ya 5K..why invest with them... ee 5K fixed lo esinaa sagam Term premium cover avuthundhi...think it
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Coolmac
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Bunty717:

dcu kurrol 250k term ins ki 30$ PM charge chestaar.. idi elaa undi




oka 30-35yrs no smoking adult male ki around 700$ per annum avuthundhi to get 750K Life insurance... If you get anything less thatn 700$ means u are good to go..

porapatuna smoking ayyivundi...no smoking ani ettaav ante... total insurance void avudhi ani gurthettukondi smokers
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Coolmac:

Universal ithe entha kadathaav seppu per annum




inka convert cheyaledhu oka vela chesthe per anum oka 5k kadathanemo
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Guru
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last yr cruise ki velle mundu will rasi vellam just in case ani

life insurance buddod puttagane tiskunnam
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Bunty717
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Simba:

It has no accumulated cash value.




ikkada accumation ante prem's ekkuva unnahi so.. ikkada term and Ind lo
whole tesukunna
andariki golden heart PK telusu.. naaku KF telusu..
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Gatti_gunde
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Coolmac:


mekk annai salesforce ante enti
MEE abimaananni nenu gundello dhachukunta kani thala ki ekkanivanu - Pawan Kalyan
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Bunty717
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Kuyyo_morro:

Adi bets conditions lo.




what do you mean by best conditions.. physicals emi avasaram ledu antunnadu..
andariki golden heart PK telusu.. naaku KF telusu..
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Coolmac
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Twitter:

hypothetic ..ilanti pramanalu nen cheskunta kaani cheyalenu :-) , so na botodiki
edho okati min save authundhi kadha ane thrupthi at the same time security.




Universal ithe entha kadathaav seppu per annum
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Simba
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Bunty717:

dcu kurrol 250k term ins ki 30$ PM charge chestaar.. idi elaa undi



Idhi Term (5 or 10 years) plus group plan. Aduke cheap. It has no accumulated cash value.
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Kuyyo_morro
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Bunty717:

dcu kurrol 250k term ins ki 30$ PM charge chestaar.. idi elaa undi


Adi bets conditions lo. It all depends on your health, cholesterol, smoking etc.
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Bunty717
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dcu kurrol 250k term ins ki 30$ PM charge chestaar.. idi elaa undi
andariki golden heart PK telusu.. naaku KF telusu..
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King:

they invest whole also in the market



may be ..kaani difference undhi probably you will not affected by worse conditions
in case whole .
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Bunty717
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Simba:


thks annai..
andariki golden heart PK telusu.. naaku KF telusu..
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Coolmac:

. aa ekkuva pettedhi edho much better investment lo pettukunte..




hypothetic ..ilanti pramanalu nen cheskunta kaani cheyalenu :-) , so na botodiki
edho okati min save authundhi kadha ane thrupthi at the same time security.
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King
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Twitter:

Whole is same as universal except they
dont invest your money ..



they invest whole also in the market
Ashton - I'm living an Amish lifestyle. so far so good.
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King:

ee universal ki whole ki difference enti?



differences changes from company to company , naadhi NYL , andhulo aithe
Universal lo your money will be invested in the money market and you can
take the advantage of that returns. Whole is same as universal except they
dont invest your money ..

ps. eppudo 3ms kritham vinnadhi idhi ..confirm chesuko .
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Coolmac
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Twitter:

rendodhi Universal :
ante yu have cash Value , 20yrs payments katti aapesthe , Life long coverage
+ you can with draw money , same like 401k or some other life savings plan.
Its good for savings ani maa agent suggest maadindhi.




What I read was, DONT TREAT LIFE INSURANCE AS AN INVESTMENT... we buy it for our mental peace and if something happens it helps our dear ones... Universal lo ithe ekkuva kattali... and returns are much less... aa ekkuva pettedhi edho much better investment lo pettukunte..u can earn the term insurance premium easily.. This is what we decided on that day when discussing with Mr.Hyd..
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Simba
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Bunty717:

naku kuda pampu annai..



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King
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Twitter:

Universal :



ee universal ki whole ki difference enti?
Ashton - I'm living an Amish lifestyle. so far so good.
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Andhrawala
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Telugu_times:

Take insurance - Done
write a will - Done




How did u write the will?

tips pleez

also Living will and Testament antee
No Signature
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Rajusk:

what is the difference between Will and Trust



i think Will is for writing your own assets / liabilities to some x ,
Trust is for other party like insurance company .
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Simba
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Rajusk:

what is the difference between Will and Trust



A trust does not replace a will. Most trusts deal only with specific assets, such as life insurance or a piece of property, while a will governs distribution of nearly everything else in your estate.

Source: CNN
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Bunty717
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Simba:




naku kuda pampu annai..
andariki golden heart PK telusu.. naaku KF telusu..
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Rajusk
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Simba:


what is the difference between Will and Trust
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Simba
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Truelies:

*conditions apply: you never know whats your last day.



matter adhi kaadu... ippudu WILL bagane rastavu. Repu ante repu ani kaadu... 2nd innings start chesavu anuko :-) ... kottha dependents vacchi gola chestaru. Anudku change ki flexibility undhi
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Dreamcatcher
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This is assuming both parents passed away leaving only kids. If you do not have Will, state takes management of everything, including your kids. Kids will be put in foster care unless any relatives come forward to take care of kids and judge deems that is in the best interest of kids. All of the moneys will be managed by state until kids are majors. These are the last things you want State to be making decisions about on behalf of your family. So, long story short, write a Will.
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Coolmac:

Universal ga marchatam ente enti??




insurance lo Term ani Universal ani two types :

Term anthe konni 20yrs konni max 30yrs untadhi , anthe 20 or 30 yrs katti
nuv out life chesthe ante aa lopu poka pothe aa dabbulu hush kaaki , you wont
see even a single penny.

rendodhi Universal :
ante yu have cash Value , 20yrs payments katti aapesthe , Life long coverage
+ you can with draw money , same like 401k or some other life savings plan.
Its good for savings ani maa agent suggest maadindhi.
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Buduguuu
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rendu dosala baneenlu , rendu charala laagulu, oka kareem beedi katta, rendu jaadela uuragayalu unnai... nen pote us ollu ettukellipotara iyyi will raayakapote :-)
raaboye kaalaniki kaaboye mod ni.. b careful with me :D
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Telugu_times
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King:

Take insurance ( write a will , discuss financial stuff and things need to be done if something happens



Take insurance - Done
write a will - Done
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Bunty717
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King:

If not for property, you need to write atleast for kids as without a will Social services will take over if some thing happens to both the parents




good point.. gaurdians/care takers Ind lo unna valla names kuda ivochaa or
ikada janam ne ettukovalaa..
andariki golden heart PK telusu.. naaku KF telusu..
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Simba
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Maverick:

Please do mail me



sentu
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Truelies
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Simba:

TIP: Writing a WILL is not one time. You have a choice to update (add/remove names, properties covered) until your last day*




*conditions apply: you never know whats your last day.
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Coolmac
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Simba:

TIP: Writing a WILL is not one time. You have a choice to update (add/remove names, properties covered) until your last day


can cancel ur will too at any time before the moment u die
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Coolmac
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Twitter:

nice tip ..thx, next yr chestha :-) ..naakooda thondharaga Cash Value choodalani undhi


Universal ga marchatam ente enti??
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Simba
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TIP: Writing a WILL is not one time. You have a choice to update (add/remove names, properties covered) until your last day
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Babu
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Posted on Tuesday, September 11, 2012 - 02:08 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

WILL ante emi ledu just oka paper lo you can list your checking/saving/fds..mortages..etc

US lo unna assets gurinche....kids responsibility gurinchi..also

witness set chesukoni executor pampithe chaallu..online lo do your will chala unnayi for around 50$, that is easy option.

oka 5 copies thesukoni...safe places lo pettukoni like lockers etc.
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Simba
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King:

nen adigindhi CCDB lo oka 10 members group ga form avuthe..anthe kaani naa capability gurunchi kaadu



Edaina official entity aite group plan adagocchu. Anyways, talk to your agent for more.
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Simba:

idhi entha tondaraga convert cheste antha takkuva kadatav.




nice tip ..thx, next yr chestha :-) ..naakooda thondharaga Cash Value choodalani undhi
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Coolmac
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Bunty717:

Ikkada will lo Ind properties mention cheyavarasam ledu..per Goonda




yes..India lo nuvvu Indra sena reddy...ikkada shankar narayana annattu :D
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Twitter:

per annum 5-7k kadathanemo



i mean in 20yrs down the lane ..that could be avg per annum amount for my universal
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King
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Simba:

Nope. Nee family size (wifes not kids) maree peddha ga unte cheppalem



nen adigindhi CCDB lo oka 10 members group ga form avuthe..anthe kaani naa capability gurunchi kaadu
Ashton - I'm living an Amish lifestyle. so far so good.
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Simba
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Twitter:

aa second 500k universal ga maarusthe
per annum 5-7k kadathanemo



idhi entha tondaraga convert cheste antha takkuva kadatav.
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Coolmac
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Rajusk:

so it should be simple..


yup
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Rajusk
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Coolmac:


aithe Will rayadam easy...manam emaina True Indian type dozen gas station owners kaadu..so it should be simple..
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Bunty717
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Rajusk:

India properties meeda clarity ivvandi evaraina for writing a Will...




ante .. Ikkada will lo Ind properties mention cheyavarasam ledu..per Goonda
andariki golden heart PK telusu.. naaku KF telusu..
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King
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Bunty717:

property buying chesekaa
raasete better emo kada.. eti antaavu




If not for property, you need to write atleast for kids as without a will Social services will take over if some thing happens to both the parents
Ashton - I'm living an Amish lifestyle. so far so good.
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Coolmac
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Simba:

2nd job WFH anukunta :D




3rd job emo ani doubting nen
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Simba
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King:

group ki emayina discount istunda??



Nope. Nee family size (wifes not kids) maree peddha ga unte cheppalem :-)

Coolmac:

simba garu intha important cinema madhyalo ee ads enti andi



commercial break andi
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King:

I think Newyork life is good. 2008 lo whole life ki and term life ki quotes teesukoni vadilesanu..Dont know if i can get the same quotes as aged from then



recent ga theeskunna 1 mil ki 500 term anthoer 500 term convertible to universal.
prasthuthaniki nelaki 90 kadathunna ..aa second 500k universal ga maarusthe
per annum 5-7k kadathanemo
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Maverick
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>>Maa insurance agent peru suggest cheyyanaa? Busniess referrals iste thega happy avuthundi

Please do mail me
Who is this DB member?
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Coolmac
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Kuyyo_morro:

Dabbulu lekunte emani raayali will lo.




nen sachipoye time ki evi naak migilthe avi naa pillal ki icheyyandi... appu migilthe Mav ki icheyyandi ani raayochu... oka vela oka chembu migilindhi anuko sachipoye time ki..adhe istaar pillal ki... :D
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Simba
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Coolmac:

nee yepaaraalu nuvvu maanav kadhaa



2nd job WFH anukunta :D
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Bunty717
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Goonda:

ikkadi dey




mari WILL enduku thokka ippudu naa kaada eti undi.. property buying chesekaa
raasete better emo kada.. eti antaavu
andariki golden heart PK telusu.. naaku KF telusu..
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King
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Simba:

Maa insurance agent peru suggest cheyyanaa? Busniess referrals iste thega happy avuthundi



group ki emayina discount istunda??
Ashton - I'm living an Amish lifestyle. so far so good.
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Kuyyo_morro
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Coolmac:

Bathikunte chaalu... raaseyyochu will...u dont have to have money in hand


Dabbulu lekunte emani raayali will lo.
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Coolmac
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Simba:

Maa insurance agent peru suggest cheyyanaa? Busniess referrals iste thega happy avuthundi :-)




simba garu intha important cinema madhyalo ee ads enti andi :D
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Simba
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Maverick:

please take responsibility of deciding which is best.



Maa insurance agent peru suggest cheyyanaa? Busniess referrals iste thega happy avuthundi :-)
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Coolmac
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Maverick:

coolmac/king please take responsibility of deciding which is best. chinna pani undi, i will be back




ikkada enni important panulu vunnaaa...nee yepaaraalu nuvvu maanav kadhaa
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King
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Maverick:

coolmac/king please take responsibility of deciding which is best.



ante maaku pani bongu undavani decide ayyava??
j/k
Ashton - I'm living an Amish lifestyle. so far so good.
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Coolmac
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Rajusk:

India properties meeda clarity ivvandi evaraina for writing a Will...




India properties ki will avasaram ledhu..Childeren will inherit the properties
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Maverick
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ok, insurance and will must annamata..coolmac/king please take responsibility of deciding which is best. chinna pani undi, i will be back
Who is this DB member?
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Simba
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Bunty717:

naaku whole life ins vindia lo undi.. ikkada term undi.. OK naa emaina
changes cheyalaa



To say in raw terms, insurance is not for you. It is for your dependents. Take the life insurance for them where they need. If your kids are going to live in India that is where it is needed.
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Rajusk
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Bunty717:


India properties meeda clarity ivvandi evaraina for writing a Will...
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Coolmac
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Bunty717:

changes cheyalaa




cheyyali..urgent ga naa peru na oka term insurance teesko septhaanu :D
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Andhrawala
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Maverick:

How about having only mortgages here and all property xfer to india..mortgages kooda state teesukuntunda..tit for tat




Mortgage tho paatu property koodaa vuntundhii kathaaa

aa property dobbesthundhii

alsow ill lekuntee pillalni foster care ki pampesthaaru not to grandparents/babai/pedha nanas in India
No Signature
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Goonda
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Bunty717:

do you own a property antunnadu.. RE ikkada daa or vindia di kuda
add cheyalaa..kootanta cheppu


ikkadi dey
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Simba
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Maverick:

all property xfer to india..mortgages kooda state teesukuntunda..tit for tat



What's going to happen?

Govt takes away the mortgage and the house. You (your kin) loses the equity in it.

The property xfed to India can not come back. Convince that to US born kids...
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Bunty717
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Simba:

My suggestion. Take "Whole" life ins. on you and spouse. Optionally take "Term" plans to augment the first.




naaku whole life ins vindia lo undi.. ikkada term undi.. OK naa emaina
changes cheyalaa
andariki golden heart PK telusu.. naaku KF telusu..
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Coolmac
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Kuyyo_morro:

will rayalante bank balance baagundalna?




Bathikunte chaalu... raaseyyochu will...u dont have to have money in hand
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Bunty717
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Goonda:

www.legalzoom.com for 50$




do you own a property antunnadu.. RE ikkada daa or vindia di kuda
add cheyalaa..kootanta cheppu
andariki golden heart PK telusu.. naaku KF telusu..
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Coolmac
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Maverick:

How about having only mortgages here and all property xfer to india..mortgages kooda state teesukuntunda..tit for tat




Mortgages ki saripadaa insurance dabbul neeku elagoo vastai if something happens.
avi vaallu teeskuntaar...
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Kuyyo_morro
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will rayalante bank balance baagundalna?
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Simba
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Kontha mandhi employers kooda group plan offer chestaru. These are cheap (like Term plan) and valid through your employment. Enroll if possible.

My suggestion. Take "Whole" life ins. on you and spouse. Optionally take "Term" plans to augment the first.
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Pulibongaram
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Bunty717:

mana dabbu govt d'tam eti andi mari idooram gaa undi idi..chass



annai....aa 200k transfer chesesaavaa india ki?
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Goonda
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you can write a will and register at www.legalzoom.com for 50$
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Ipc302
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Posted on Tuesday, September 11, 2012 - 01:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:

hammayya..maa Texas lo aa rule ledhu.



TEXAS
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Maverick
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Posted on Tuesday, September 11, 2012 - 01:51 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>Mav urgent ga notepad open sesi will raayatam start seyyu..we never know whats gonna happen next hour

How about having only mortgages here and all property xfer to india..mortgages kooda state teesukuntunda..tit for tat
Who is this DB member?
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King
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Simba:

No. He is right. Your assets will be taken by state



hammayya..maa Texas lo aa rule ledhu.

quote "If you die without a will, the state of Texas has thoughtfully written one for you. This is known as dying intestate."
Ashton - I'm living an Amish lifestyle. so far so good.
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Bunty717
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eheee WILL rayataniki procedure eti adi cheppadni..

mana dabbu govt d'tam eti andi mari idooram gaa undi idi..chass
andariki golden heart PK telusu.. naaku KF telusu..
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Ipc302
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Simba:

No. He is right. Your assets will be taken by state unless written otherwise in the WILL.



em rules o endho
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Goonda
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Simba:

Thanks. Please pay premiums on time


yearly pay chestunna.. not monthly.. maa relatives lo oka athanu ilaney miss ayyadu and suddenly he expired and his family didnt get paid.
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Thelegend
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Goonda:

will lekapotey antey rao gaaru


naaku maa uncle chepparu idhe vishyama, 1st baby puttinapudu, inkaa raayaledu chuss
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Ipc302
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Goonda:

will lekapotey antey rao gaaru



anduke neneu maoney earn seyyaledhu...state ki appudu buddhi vasthundi...
too much andi idhi...andukane ikkada andari WILL raastharu annamata...pedda capatalist swargam ka kaburlu Dngutharu lopala soosthe china type communism ... nenu khandisthunna
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Simba
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Ipc302:

capatalist america lo itta jarige avakasam ledhu emo rao garu...



No. He is right. Your assets will be taken by state unless written otherwise in the WILL.
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Coolmac
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Maverick:

idemi arachakam..




Mav urgent ga notepad open sesi will raayatam start seyyu..we never know whats gonna happen next hour :D
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Simba
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Goonda:

mine with NY life



Thanks. Please pay premiums on time :D (my bonus depends on it)
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Maverick
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>>if you die, all your money goes to state.. not to your kin..

idemi arachakam..
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Goonda
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Ipc302:

capatalist america lo itta jarige avakasam ledhu emo rao garu...


will lekapotey antey rao gaaru
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Coolmac
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Goonda:

if you die, all your money goes to state.. not to your kin..




avunaa...adhenti ee rule? only ee desam lonenaa ee rule??
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Goonda
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Simba:

new York Life


mine with NY life
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Ipc302
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Goonda:

all your money goes to state.. not to your kin..




capatalist america lo itta jarige avakasam ledhu emo rao garu...
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Simba
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Goonda:

i need to write a will



Consider the option of creating a "Trust" and put your kids name as heir.
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Simba
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King:

Calling Simba. Mee NYL gurunchi ceppandi konchem



Life Insurance evai dwara teesukunna OK, but must.

I personally suggest new York Life (:-)). It is better a professional agent pitch-in than me.
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Goonda
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Posted on Tuesday, September 11, 2012 - 01:42 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

i did take insurance .. i need to write a will.. if you die, all your money goes to state.. not to your kin..
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Coolmac
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Posted on Tuesday, September 11, 2012 - 01:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

few months back discuss chesaam DB lo... Term insurance manchidhi ani decide ayyaam.. hadavidi ga quotes teeskoni voggesaam aa roju :D
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King
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Posted on Tuesday, September 11, 2012 - 01:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

ets discuss and take one



twitter teesukunattu vunnadu.
Is whole life any good or waste of money?
Calling Simba. Mee NYL gurunchi ceppandi konchem
Ashton - I'm living an Amish lifestyle. so far so good.
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Coolmac
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Maverick:

lets discuss and take one




MrHyd vastey baguntadhi...he knows about these stuff
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King
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Coolmac:


mav already did I guess... calling Mav



I think Newyork life is good. 2008 lo whole life ki and term life ki quotes teesukoni vadilesanu..Dont know if i can get the same quotes as aged from then
Ashton - I'm living an Amish lifestyle. so far so good.
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Maverick
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Posted on Tuesday, September 11, 2012 - 01:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>mav already did I guess... calling Mav

ledu. nenu enquire chesi apesa madhyalo..i am ready too..lets discuss and take one
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Ipc302
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Posted on Tuesday, September 11, 2012 - 01:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

mana kaada spouse ledhu, money ledhu
WILLu lo eti rayali seppandi...TIA
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Coolmac
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Posted on Tuesday, September 11, 2012 - 01:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

nen kuda manchi Life insu teeskundham anukoni delay chestunna...lets get started

mav already did I guess... calling Mav
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Thelegend
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Posted on Tuesday, September 11, 2012 - 01:34 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

eppati nuncho cheyyali anukuntunna, but cheyyatlaa
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King
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Posted on Tuesday, September 11, 2012 - 01:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ee tommidi padakundu stories chaduvutha vunte anipistha vundhi, that i need to take care of my loved onces if something unexpected happens
Etla rayali. Do you guys discuss with your spouse about the financial stuff and do they know what to do in those cases.
I never discussed. My first things. Take insurance ( I am lazy ..I did apply couple of times but never followed upon it), write a will , discuss financial stuff and things need to be done if something happens
Ashton - I'm living an Amish lifestyle. so far so good.

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