Re: [MBZ] OT: How to get screwed out of the cash value in your Whole Life insurance policy
I'm maintaining my portfolio at 70% stocks, the rest in short term bonds and cash. Every year or so I have to rebalance (sell high, buy low) to keep that ratio. If the crash comes, I'll go 100% stocks when they ring the bell at market bottom, ride it all the way back up. -- Max Dillon Charleston SC '87 300TD '95 E300 On August 14, 2016 6:50:17 PM EDT, Scott Ritchey via Mercedes wrote: >This is largely a consequence of FED (read Administration) policy to >try to >stimulate the economy through artificially low (like zero) interest >rates. >But this is small potatoes compared to the many seniors who saved >responsibly all their lives but now can't live on the (near zero) >revenue >from that investment. When you are old and close to liquidating your >investment you don't want to be invested in a volatile market. At the >same >time, younger folks and nearly all commercial investors have their >money in >the market (vs bonds, etc.) which has driving the market artificially >high. >It will be interesting to see if a soft landing can be achieved or of >the >"head-in-the sand" approach will continue, making the inevitable >correction >worse. >Scott > >> -Original Message- >> From: Mitch Haley via Mercedes >> Sent: Sunday, August 14, 2016 8:31 AM >> >> >> http://www.nytimes.com/2016/08/14/business/why-some-life-insurance- >> premiums-are-skyrocketing.html >> >> The NY Times describes the latest scam by insurance companies to >drain >> policies of built up cash values and then raising rates on all such >policies >> claiming there are insufficient funds to pay benefits. >> The strategy seems to have been pioneered by European Insurance >> companies that have gained control of US insurance companies: >> >> 1. Convince state regulators that the policies are overfunded. They >do >this by >> moving liabilities for future payouts to off-balance-sheet companies >that >are >> not subject to state regulation. >> 2. For some reason state regulators sign off on this and authorize >excess >> funds to be paid out to insurance company shareholders (the European >> parent company) as an extra-ordinary dividends, in some cases over $2 >> billion. >> 3. Some time later convince state regulators that the policies are >now >> underfunded because the off-balance-sheet companies defaulted and >that >> policy premiums need to be raised by 200-300%. >> 4. State regulators approve the 200-300% premium increases. >> 5. Policyholders file class-action lawsuits but have trouble >prevailing >since >> state regulators signed off at each stage that the actions of the >insurance >> company were fiscally sound and hence any subsequent premium increase >> could not have been anticipated. >> >> Note that this scam can only happen with life insurance and LTC >policies >that >> build up future benefits using some kind of cash accumulation. >Straight >> insurance or term life insurance policyholders cannot be scammed in >this >way >> since there is no cash accumulation going on. >> >> Discussion here: >> https://www.fatwallet.com/forums/finance/1519842/19597487/ >> >> ___ > > > >___ >http://www.okiebenz.com > >To search list archives http://www.okiebenz.com/archive/ > >To Unsubscribe or change delivery options go to: >http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] Pirelli tires might be crap
There's your clue --FT On 8/14/16 6:53 PM, Kaleb C. Striplin via Mercedes wrote: Yea On 8/14/2016 5:52 PM, Max Dillon via Mercedes wrote: Was that the first rain in a week or longer? First rain after a stretch will float up accumulated oil and grease and dust, and be very slippery, regardless of your tires. ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com -- --FT ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] Pirelli tires might be crap
Yea On 8/14/2016 5:52 PM, Max Dillon via Mercedes wrote: Was that the first rain in a week or longer? First rain after a stretch will float up accumulated oil and grease and dust, and be very slippery, regardless of your tires. ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] Pirelli tires might be crap
Was that the first rain in a week or longer? First rain after a stretch will float up accumulated oil and grease and dust, and be very slippery, regardless of your tires. -- Max Dillon Charleston SC '87 300TD '95 E300 ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] OT: How to get screwed out of the cash value in your Whole Life insurance policy
This is largely a consequence of FED (read Administration) policy to try to stimulate the economy through artificially low (like zero) interest rates. But this is small potatoes compared to the many seniors who saved responsibly all their lives but now can't live on the (near zero) revenue from that investment. When you are old and close to liquidating your investment you don't want to be invested in a volatile market. At the same time, younger folks and nearly all commercial investors have their money in the market (vs bonds, etc.) which has driving the market artificially high. It will be interesting to see if a soft landing can be achieved or of the "head-in-the sand" approach will continue, making the inevitable correction worse. Scott > -Original Message- > From: Mitch Haley via Mercedes > Sent: Sunday, August 14, 2016 8:31 AM > > > http://www.nytimes.com/2016/08/14/business/why-some-life-insurance- > premiums-are-skyrocketing.html > > The NY Times describes the latest scam by insurance companies to drain > policies of built up cash values and then raising rates on all such policies > claiming there are insufficient funds to pay benefits. > The strategy seems to have been pioneered by European Insurance > companies that have gained control of US insurance companies: > > 1. Convince state regulators that the policies are overfunded. They do this by > moving liabilities for future payouts to off-balance-sheet companies that are > not subject to state regulation. > 2. For some reason state regulators sign off on this and authorize excess > funds to be paid out to insurance company shareholders (the European > parent company) as an extra-ordinary dividends, in some cases over $2 > billion. > 3. Some time later convince state regulators that the policies are now > underfunded because the off-balance-sheet companies defaulted and that > policy premiums need to be raised by 200-300%. > 4. State regulators approve the 200-300% premium increases. > 5. Policyholders file class-action lawsuits but have trouble prevailing since > state regulators signed off at each stage that the actions of the insurance > company were fiscally sound and hence any subsequent premium increase > could not have been anticipated. > > Note that this scam can only happen with life insurance and LTC policies that > build up future benefits using some kind of cash accumulation. Straight > insurance or term life insurance policyholders cannot be scammed in this way > since there is no cash accumulation going on. > > Discussion here: > https://www.fatwallet.com/forums/finance/1519842/19597487/ > > ___ ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] OT: How to get screwed out of the cash value in your Whole Life insurance policy
Max wrote: > I certainly hope none of us nor our families are in this boat. I rowed away from that boat 40 years ago. Life insurance is pah! mao ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] OT: What's wrong with Mrs Clinton?
Curley wrote: > The witch would get more votes dead than alive. > > Not harsh. Realistic. Probably. Any of the news has lost bunches of us. Hilarity all the time, crash Donald every time. Less than 5-minutes per day of LameStream is as much as I can tolerate. mao ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] Pirelli tires might be crap
What is the date code on them? In the world of motorcycles, sport bike tires are supposed to be changed every two years, regardless of tread depth. Touring and cruiser bike tires should be renewed after four years. The tires get progressively harder as they age. I am going to assume that car tires age similarly. Rick Sent from my BlackBerry Z10 ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
[MBZ] Pirelli tires might be crap
So I have this set of Pirelli P7s on my 98 e300 that have maybe 15-20k miles on them now. These are 70k mile tires. Still have plenty of tread. Friday driving back home we had a little light rain and the roads were wet. I had an occasion going around a curve at about 30 and the rear ended started to try and slide. Also was coming to a stop and abs started kicking in. These always had good traction even in a downpour. So it seems after 20k their traction has gone to hell. I went to far as to pull over and make sure I did not have a low tire in the back. Sent from my iPhone ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] ChowdahQ 9
Also free pick up @ Boston or Providence airports in chauffeur- driven vintage Benz for any list member. . Dwight Giles Jr. 1982 300CD 1990 300D Wickford RI On Aug 14, 2016 3:06 PM, "Andrew Strasfogel via Mercedes" < mercedes@okiebenz.com> wrote: > Kaleb could do a personal car relay. Drive one from your stable to a > midway point, sell it and buy another, then proceed and repeat as necesary > all the way to RI. Reverse to get home. > > On Sun, Aug 14, 2016 at 2:59 PM, Bob Rentfro via Mercedes < > mercedes@okiebenz.com> wrote: > > > As much as you travel, you should be able to fly to Saturn and back. RI > > should not be a problem. > > > > Bob R > > On Aug 14, 2016 11:57 AM, "Kaleb C. Striplin via Mercedes" < > > mercedes@okiebenz.com> wrote: > > > > > So who is flying me in for the event? > > > > > > Sent from my iPhone > > > > > > > On Aug 14, 2016, at 1:49 PM, Dwight Giles via Mercedes < > > > mercedes@okiebenz.com> wrote: > > > > > > > > Just a reminder*: Saturday Sept 10, 2016* will be the ninth Annual > > > > Mercedes Benz (and other interesting vehicles-we might have a TDI > row) > > ) > > > > Chowdah Fest at Goddard State Park in Warwick, RI. (Same Sites 40-42) > > > Once > > > > again- we will have: > > > > > > > > · Homemade New England Clam Chowdah > > > > > > > > · Curt’s Coleman kitchen of *You Tube* fame will be debuting > a > > > > special treat > > > > > > > > · Fred’s fresh veggies and dip > > > > > > > > · Assorted grill offerings > > > > > > > > · Steamed local clams with melted butter were a big hit last > > year > > > > and will be back this year > > > > > > > > > > > > > > > > A special door prize will be provided by *Fred’s Autohaus* in > Cranston > > > RI- > > > > a $50.00 gift certificate good for parts & service. > > > > > > > > > > > > > > > > As always it will be a day of great food, good fun, hood-raising, and > > > > spinning stories about our beloved Benzes. > > > > > > > > > > > > > > > > We will have coffee, tea, and *Dunkin Donuts* (It is New England) > > > available > > > > about 10 AM and we will eat lunch about 1 PM. > > > > > > > > http://www.riparks.com/Locations/LocationGoddard.html > > > > > > > > > > > > > > > > > > > > Dwight Giles > > > > 1982 300CD > > > > 1990 300D 2.5t > > > > ___ > > > > http://www.okiebenz.com > > > > > > > > To search list archives http://www.okiebenz.com/archive/ > > > > > > > > To Unsubscribe or change delivery options go to: > > > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > > > > > > > > > ___ > > > http://www.okiebenz.com > > > > > > To search list archives http://www.okiebenz.com/archive/ > > > > > > To Unsubscribe or change delivery options go to: > > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > > > > ___ > > http://www.okiebenz.com > > > > To search list archives http://www.okiebenz.com/archive/ > > > > To Unsubscribe or change delivery options go to: > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] ChowdahQ 9
Kaleb could do a personal car relay. Drive one from your stable to a midway point, sell it and buy another, then proceed and repeat as necesary all the way to RI. Reverse to get home. On Sun, Aug 14, 2016 at 2:59 PM, Bob Rentfro via Mercedes < mercedes@okiebenz.com> wrote: > As much as you travel, you should be able to fly to Saturn and back. RI > should not be a problem. > > Bob R > On Aug 14, 2016 11:57 AM, "Kaleb C. Striplin via Mercedes" < > mercedes@okiebenz.com> wrote: > > > So who is flying me in for the event? > > > > Sent from my iPhone > > > > > On Aug 14, 2016, at 1:49 PM, Dwight Giles via Mercedes < > > mercedes@okiebenz.com> wrote: > > > > > > Just a reminder*: Saturday Sept 10, 2016* will be the ninth Annual > > > Mercedes Benz (and other interesting vehicles-we might have a TDI row) > ) > > > Chowdah Fest at Goddard State Park in Warwick, RI. (Same Sites 40-42) > > Once > > > again- we will have: > > > > > > · Homemade New England Clam Chowdah > > > > > > · Curt’s Coleman kitchen of *You Tube* fame will be debuting a > > > special treat > > > > > > · Fred’s fresh veggies and dip > > > > > > · Assorted grill offerings > > > > > > · Steamed local clams with melted butter were a big hit last > year > > > and will be back this year > > > > > > > > > > > > A special door prize will be provided by *Fred’s Autohaus* in Cranston > > RI- > > > a $50.00 gift certificate good for parts & service. > > > > > > > > > > > > As always it will be a day of great food, good fun, hood-raising, and > > > spinning stories about our beloved Benzes. > > > > > > > > > > > > We will have coffee, tea, and *Dunkin Donuts* (It is New England) > > available > > > about 10 AM and we will eat lunch about 1 PM. > > > > > > http://www.riparks.com/Locations/LocationGoddard.html > > > > > > > > > > > > > > > Dwight Giles > > > 1982 300CD > > > 1990 300D 2.5t > > > ___ > > > http://www.okiebenz.com > > > > > > To search list archives http://www.okiebenz.com/archive/ > > > > > > To Unsubscribe or change delivery options go to: > > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > > > > > ___ > > http://www.okiebenz.com > > > > To search list archives http://www.okiebenz.com/archive/ > > > > To Unsubscribe or change delivery options go to: > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] ChowdahQ 9
As much as you travel, you should be able to fly to Saturn and back. RI should not be a problem. Bob R On Aug 14, 2016 11:57 AM, "Kaleb C. Striplin via Mercedes" < mercedes@okiebenz.com> wrote: > So who is flying me in for the event? > > Sent from my iPhone > > > On Aug 14, 2016, at 1:49 PM, Dwight Giles via Mercedes < > mercedes@okiebenz.com> wrote: > > > > Just a reminder*: Saturday Sept 10, 2016* will be the ninth Annual > > Mercedes Benz (and other interesting vehicles-we might have a TDI row) ) > > Chowdah Fest at Goddard State Park in Warwick, RI. (Same Sites 40-42) > Once > > again- we will have: > > > > · Homemade New England Clam Chowdah > > > > · Curt’s Coleman kitchen of *You Tube* fame will be debuting a > > special treat > > > > · Fred’s fresh veggies and dip > > > > · Assorted grill offerings > > > > · Steamed local clams with melted butter were a big hit last year > > and will be back this year > > > > > > > > A special door prize will be provided by *Fred’s Autohaus* in Cranston > RI- > > a $50.00 gift certificate good for parts & service. > > > > > > > > As always it will be a day of great food, good fun, hood-raising, and > > spinning stories about our beloved Benzes. > > > > > > > > We will have coffee, tea, and *Dunkin Donuts* (It is New England) > available > > about 10 AM and we will eat lunch about 1 PM. > > > > http://www.riparks.com/Locations/LocationGoddard.html > > > > > > > > > > Dwight Giles > > 1982 300CD > > 1990 300D 2.5t > > ___ > > http://www.okiebenz.com > > > > To search list archives http://www.okiebenz.com/archive/ > > > > To Unsubscribe or change delivery options go to: > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] ChowdahQ 9
So who is flying me in for the event? Sent from my iPhone > On Aug 14, 2016, at 1:49 PM, Dwight Giles via Mercedes > wrote: > > Just a reminder*: Saturday Sept 10, 2016* will be the ninth Annual > Mercedes Benz (and other interesting vehicles-we might have a TDI row) ) > Chowdah Fest at Goddard State Park in Warwick, RI. (Same Sites 40-42) Once > again- we will have: > > · Homemade New England Clam Chowdah > > · Curt’s Coleman kitchen of *You Tube* fame will be debuting a > special treat > > · Fred’s fresh veggies and dip > > · Assorted grill offerings > > · Steamed local clams with melted butter were a big hit last year > and will be back this year > > > > A special door prize will be provided by *Fred’s Autohaus* in Cranston RI- > a $50.00 gift certificate good for parts & service. > > > > As always it will be a day of great food, good fun, hood-raising, and > spinning stories about our beloved Benzes. > > > > We will have coffee, tea, and *Dunkin Donuts* (It is New England) available > about 10 AM and we will eat lunch about 1 PM. > > http://www.riparks.com/Locations/LocationGoddard.html > > > > > Dwight Giles > 1982 300CD > 1990 300D 2.5t > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
[MBZ] ChowdahQ 9
Just a reminder*: Saturday Sept 10, 2016* will be the ninth Annual Mercedes Benz (and other interesting vehicles-we might have a TDI row) ) Chowdah Fest at Goddard State Park in Warwick, RI. (Same Sites 40-42) Once again- we will have: · Homemade New England Clam Chowdah · Curt’s Coleman kitchen of *You Tube* fame will be debuting a special treat · Fred’s fresh veggies and dip · Assorted grill offerings · Steamed local clams with melted butter were a big hit last year and will be back this year A special door prize will be provided by *Fred’s Autohaus* in Cranston RI- a $50.00 gift certificate good for parts & service. As always it will be a day of great food, good fun, hood-raising, and spinning stories about our beloved Benzes. We will have coffee, tea, and *Dunkin Donuts* (It is New England) available about 10 AM and we will eat lunch about 1 PM. http://www.riparks.com/Locations/LocationGoddard.html Dwight Giles 1982 300CD 1990 300D 2.5t ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] 1982 300SD AC Question
If you have gauges you can at least find out if it's very low on charge or if there's something mechanically wrong. Or you can throw in 12oz of R12 and see what happens. It's common for old cars to leak. Mitch. ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] 1982 300SD AC Question
I should have been more clear. The line from the compressor to the AC radiator was hot; hotter than I could touch continuously. The top few tubes in the radiator were warm. Everything else was ambient. I'm thinking about pulling the under-dash panel and giving the TXV a few taps (in case it is stuck). The car is still 100% R12 and I don't have a recovery system so I'll probably need to go to a pro for any repair that involves replacing parts. > -Original Message- > From: Mercedes [mailto:mercedes-boun...@okiebenz.com] On Behalf Of Mitch > Haley via Mercedes > Sent: Sunday, August 14, 2016 9:28 AM > To: Mercedes Discussion List > Cc: Mitch Haley > Subject: Re: [MBZ] 1982 300SD AC Question > > Ambient could mean no or little flow, > cold (refrigerated) means pressure drop and boiling refrigerant. > > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] 1982 300SD AC Question
Ambient could mean no or little flow, cold (refrigerated) means pressure drop and boiling refrigerant. ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] 1982 300SD AC Question
Thanks. I'll try the gauges (it was getting dark so I had to quit last evening). I had the impression that there was no flow through the system. Maybe the dryer is plugged? As I recall, the dryer was normally quite warm during normal operation nut it was cold (ambient). For Mitch, I saw no damage to the radiator. > -Original Message- > From: Mercedes [mailto:mercedes-boun...@okiebenz.com] On Behalf Of Jon > Agne via Mercedes > Sent: Sunday, August 14, 2016 8:11 AM > To: Mercedes Discussion List > Cc: Jon Agne o > Subject: Re: [MBZ] 1982 300SD AC Question > > You really cannot tell by feel what’s going on in the AC system without > hooking up the gauges. Could be low refrigerant. > > > > On Aug 14, 2016, at 12:04 AM, Scott Ritchey via Mercedes > wrote: > > > > I noticed the AC on my 300SD wasn't cooling today. This car had not > > been run for months. The line from the compressor to the radiator was > > quite hot but the top of the AC radiator was barely warm. The bottom > > of the radiator was cold and the receiver-dryer (and everything > downstream) was cold. > > > > For those with more hands-on experience: Is this likely a stuck > > expansion valve? A plugged AC radiator? > > > > Scott > > > > ___ > > http://www.okiebenz.com > > > > To search list archives http://www.okiebenz.com/archive/ > > > > To Unsubscribe or change delivery options go to: > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > > > > > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] OT: How to get screwed out of the cash value in your Whole Life insurance policy
I certainly hope none of us nor our families are in this boat. Yet another reason to avoid whole life insurance. -- Max Dillon Charleston SC '87 300TD '95 E300 ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] 1982 300SD AC Question
Drops in temperature occur where there are drops in pressure. If it happens where there's no intended orifice/expansion valve, there's probably something restricting flow at that point. Is this a serial flow condenser, and did something hit the condenser pinching the tube flat where the temperature drops? ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
[MBZ] OT: How to get screwed out of the cash value in your Whole Life insurance policy
http://www.nytimes.com/2016/08/14/business/why-some-life-insurance-premiums-are-skyrocketing.html The NY Times describes the latest scam by insurance companies to drain policies of built up cash values and then raising rates on all such policies claiming there are insufficient funds to pay benefits. The strategy seems to have been pioneered by European Insurance companies that have gained control of US insurance companies: 1. Convince state regulators that the policies are overfunded. They do this by moving liabilities for future payouts to off-balance-sheet companies that are not subject to state regulation. 2. For some reason state regulators sign off on this and authorize excess funds to be paid out to insurance company shareholders (the European parent company) as an extra-ordinary dividends, in some cases over $2 billion. 3. Some time later convince state regulators that the policies are now underfunded because the off-balance-sheet companies defaulted and that policy premiums need to be raised by 200-300%. 4. State regulators approve the 200-300% premium increases. 5. Policyholders file class-action lawsuits but have trouble prevailing since state regulators signed off at each stage that the actions of the insurance company were fiscally sound and hence any subsequent premium increase could not have been anticipated. Note that this scam can only happen with life insurance and LTC policies that build up future benefits using some kind of cash accumulation. Straight insurance or term life insurance policyholders cannot be scammed in this way since there is no cash accumulation going on. Discussion here: https://www.fatwallet.com/forums/finance/1519842/19597487/ ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] 1982 300SD AC Question
You really cannot tell by feel what’s going on in the AC system without hooking up the gauges. Could be low refrigerant. > On Aug 14, 2016, at 12:04 AM, Scott Ritchey via Mercedes > wrote: > > I noticed the AC on my 300SD wasn't cooling today. This car had not been > run for months. The line from the compressor to the radiator was quite hot > but the top of the AC radiator was barely warm. The bottom of the radiator > was cold and the receiver-dryer (and everything downstream) was cold. > > For those with more hands-on experience: Is this likely a stuck expansion > valve? A plugged AC radiator? > > Scott > > ___ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] OT: What's wrong with Mrs Clinton?
http://www.thetruthaboutguns.com/2016/08/john-boch/reagan-armed-freedom-fighters-obama-and-hillary-arm-islamic-jihadis-why-you-should-vote-for-trump/ Oooh, Perjury before Congress, now that qualifies her to be President: "Hillary, of course, denied any knowledge of weapons shipments during her tenure as Secretary of State when she was questioned by the Senate under oath in 2013. " Julian Assange tells ‘Democracy Now!’ that he has leaked internal Democrat National Committee emails containing information on the weapons shipments to Syria. ...weapons flows going over to Syria, being pushed by Hillary Clinton, into jihadists within Syria, including ISIS, that’s there in those emails." ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
Re: [MBZ] OT: What's wrong with Mrs Clinton?
> On August 13, 2016 at 7:49 PM Curley McLain via Mercedes > wrote: > > She has something worst than parkinsons. Way beyond that. http://www.daybydaycartoon.com/comic/safety-first/ ___ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
