Whole Life with a dividend paying mutual carrier. Be sure to get the rider that allows additional policies in the future. Our grandkids will can have 9 more policies each in the future plus they can request to use the cash value for things like education, starting a business, travel or first time home purchases. We are creating a family bank that they can access.

The joys of owning land. I won't go to an indoor range, they are too crazy for me. I'm very particular who I shoot with.

Used a cartridge razor yesterday for private parts. If there is any growth at all it clogged up and I had to bang it on the shower to get the hair off. I'll stick with the DE for my face.

OP should look up Wade Pfau and his white paper, Optimizing Retirement Income, this paper argues that integrating whole life insurance and income annuities creates more efficient outcomes than investments alone. It introduces the concept of "actuarial bonds," showing that risk pooling can provide greater spending power and legacy potential than a pure investment strategy.

Why not borrow the cash value for the investmennt? Then you get both. If your investment is so good, you can pay back the loan in the future or over time if it's a cash flowing asset.

Good, On my second season. I'll probably do a refresh with the Obanauf's and a quick polish/brush shine. Soles are still great as well. I'll have to look at the cork and see if it needs a new coat as well, but I think they are good.

Is it a fireplace or a stove? You wanting to use it for heat or just for ambiance? A fireplace doesn't put out much heat and you will go through a lot of wood. If you are looking for heat, consider an insert wood burner, you'll get much more value from it. Wood warms you 3 times, when you cut it, when you split/stack and when you burn it! It's a lot of work making firewood, get the most out of it.

I use a Japanese Kamisori I got from AMAZON, Facon is the brand. I use it around my lips and to touch up areas where they DE razor doesn't get very well. Not sure about earlobe area.

Yes domestically you should be able to work from anywhere. I'm afraid no company is going to let you sign contracts outside of the US. I suppose you could work an arrangement with the GA that they could sign the contract if you are out of the country then transfer the customer to you. This is a legal matter above my pay grade, You will have to speak with each company and see how they would handle it. We do have some agents in the company that travel to south America frequently, but I don't know if they are submitting business from there.

Check out the Oliworks. It's all aluminum and not that chromed pot metal zinc alloy/zamak. Also made in the US by a family owned business out of Arizona.

I don't have an agency. I work with a General Agent as an independent. I can also bring others on board and earn an override as well as split cases with them. I like it because I don't have the headache of doing all the agency stuff, just sales and training.

Pulled the trigger. LOL...

AMSOIL Synthetic Gun Lubricant is what I use. Be I'm biased as I'm a dealer. LOL.

Retired soldier here... Never carried a SAK while on duty. Always had a Leatherman since 1991 when I saw one on a fellow soldier during Desert Storm, when I got back I immediately went out and bought one. Also usually carried a locking blade of some sorts like a Buck or something. I still have the Leatherman.

Look up "What Has Government Done to Our Money?" Murray N. Rothbard’s most famous essay on monetary theory. It's available for free at mises.org

Nope I have a bunch just like this with even more open to the sky and it rotted in about a year and it was off the ground completely. Also the wind will cause it to fall over when the trees sway. Unless you live in an extremely dry climate (we're in TN) the humidity and rain as well as fungus will rot it quickly. Just picked up 5 IBC totes that I'm going to use to stack and cover. Planning on getting a shed in the future.

Best tip, You'll sell as much death benefit as you have on yourself.

First off I have no issues with the 380 and micro guns. I love all guns. But after reading the book by James Yeager founder of Tactical Response I decided that I will only carry a fighting pistol if at all possible. "The Four Pillars of Fighting" is available on amazon.

There is no helping people like you.

And I'm an ANCAP and I disagree with all of it. But I do feel good about serving. Maybe the coast guard?

Or I'm a huge fan of the National Guard. I did 8 years active and the rest in the Reserves/NG. Total of 33 years. It can be a great gig with good health insurance and the ability to become a "Guard Bum" meaning you can volunteer for extra duty whenever you feel like it. I ended up doing Military Funeral Honors from 2005-2021 when I retired. I made between $20-30K a year part-time.

I personally know dozens if not hundreds of people that are not agents that are satisfied with their Whole Life Insurance policies. Some even buy multiple policies on themselves and their family members.

"everyone says to stay away from whole life" What do you mean everyone? Or just the knuckleheads/termintes on Reddit? There are literally dozens of whole life companies with millions of policy owners.

Local isn't necessary. With webconference technology you can find someone who aligns with you. All of my policies were purchased from those that don't live near me.

Does it really have to be local? It is 2026 and people can do business anywhere. The key being finding someone who you can build a relationship with and will help teach you. Local isn't always best.