Dwdonhoff

David Donhoff http://boards.fool.com/Profile.asp?uid=51281470

Dwdonhoff’s Activity

Wed Nov 5

NL

Boards Post

Dwdonhoff replied to the Buying or Selling a Home board. 11:55 PM

Re: DTI on jumbo loan?

HI maracle,

47% would be ideal for one of the properties I'm looking at. Are there lenders known to issue non-qualifying jumbo loans?
Yeah, quite a few, actually... the Alt-A/Subprime realm is beginning to open up again. I [more]

Sat Nov 1

NL

Boards Post

Dwdonhoff replied to the Buying or Selling a Home board. 6:40 PM

Re: Prez of Mortgage Bankers Assn sez:

Hi JAFO,

Hello; have not seen much posting from you lately.
Not much to respond to here in quite a bit.

I suggest that it is a very faulty assumption to assume that each additional buyer generates one [more]

Thu Oct 30

NL

Boards Post

Dwdonhoff replied to the Humor and Urban Legends board. 6:18 PM

Re: contrast in generations

It's easy to get things done when you don't have to listen to the braying of asses.

Well then, the ass-ejections and Senate flip should prove highly productive moving forward then, eh?

NL

Boards Post

Dwdonhoff replied to the Buying or Selling a Home board. 6:07 PM

Re: Prez of Mortgage Bankers Assn sez:

Hi JAFO,

I disagree with Cath that it makes no difference, and agree with you that it does,
HOWEVER;

he wrote - "Each new home built adds 3 jobs in this country and over $100k in economic stimulus, per the NAHB." [more]

Tue Oct 7

NL

Boards Post

Dwdonhoff replied to the Finding a Financial Advisor board. 1:50 PM

Re: Stay with financial advisor or company?

Hi prsfool,
(Posting here so others can read too.)

Would you advise staying with the company or with the financial advisor. This financial advisor was not in that office when I first started with ML but after my first advisor moved [more]

NL

Boards Post

Dwdonhoff replied to the Buying or Selling a Home board. 1:46 PM

Re: IRS Installment Plan & Lender Inquiries

Hi I.F.

Your fam member would have to disclose the payments (or face risks of committing banking fraud.) They'd also be signing an IRS 4506-T, granting the lender authority to pull their IRS transcripts at any time (and this is far more [more]

Sun Sep 21

NL

Boards Post

Dwdonhoff posted to the Humor and Urban Legends board. 4:12 PM

The Gipper delivers the goods...

Class, self-deprecation & timing in delivery, all the way
Watch to the very end for a painful surprise of irony.
http://www.youtube.com/watch_popup?v=wrRTau5jusU

Wed Sep 17

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 4:37 PM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi Ray,

A couple points of clarity (though you're mostly spot on.)

I can't refer to how/why the Atlas presentation explained how it did... but flat out, they are wrong (close, but not close enough.)

They buy [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 4:07 PM

Re: Naked B&H vs IUL, with equalized risk exposu

HI Ray,

Our flight gets in at 3:00 on Saturday, shuttle to the Marriott Seattle Airport Hotel, then our travel agent has a dinner for the entire group at 7:00.

Cool! I'll make arrangements with Momma & the [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 4:02 PM

Re: S&P500 - Worst N-month drawdowns

Not sure I am reading this right... but I don't think it answers the question;

What is the largest historical drawdown, as a percentage, from any highest high to it's subsequent lowest low. Time frame doesn't necessarily come into play in [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 3:55 PM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi Ray,

Final value and never falls to $0.
OK, done

Backtests, not projections.
Yep

A more realistic matchup is starting age of 35 years, then 30 years would be 65, which is [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Life, Car, Home,etc. board. 3:43 PM

Re: Life insurance

Hi DU,

I'm new to life insurance topic and looking to purchase term life insurance.
Me and my wife both work, have two young kids and two mortgages to pay.
I think I need a term life insurance. Or whole life insurance makes
[more]

Tue Sep 16

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 4:39 PM

Re: Naked B&H vs IUL, with equalized risk exposu

Hey Ray,

Where are you going this time?
Seattle, Washington


So, you're launching from up here? Let me buy you a round when you're here!

Dave Donhoff
Leverage Planner

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 4:38 PM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi Cath,

Why not backtest using the actual historical performance of both S&P500 buy-and-hold and an IUL?
Because it's a non-sequiter comparison... not like-to-like in actual risk (or whatever Ray wants to name it [more]

NL

Boards Post

Dwdonhoff replied to the Buying or Selling a Home board. 1:21 AM

Re: Finding List of HOAs in a Zip

Hi BG,

How can I find a list of HOAs (and where they are located) within a particular zip or city?
I think I'd start with a phoner to the city zoning/planning department. If they didn't actually already have such a list, [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 1:00 AM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi Ray,

Risk matters. Volatility doesn't. You are still making the error of thinking volatility is risk. It isn't.
1. I disagree, *HOWEVER*
2. Fine by me... we'll ignore volatility entirely.

Which 3 historical [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 12:48 AM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi Ray,

We're looking for a backtest -- something that shows how the IUL would actually perform in real life.

I can do that, and have offered several times now.
What I need in order to proceed;

1. Choose 3 [more]

Mon Sep 15

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 8:40 PM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi Ray,

What is this "IUL strategy" you speak of?
An IUL strategy of the same risk of liquidity as whatever base strategy you are proposing.

Isn't the IUL strategy "buy an [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 8:19 PM

Re: Naked B&H vs IUL, with equalized risk exposu

Hi JAFO,

"Already have, and you've persistently refused to offer a comparatively safe (err... "george-free") comparison."
I must have missed it; link (or post number) please.


No idea where the [more]

Sun Sep 14

NL

Boards Post

Dwdonhoff replied to the Insurance - Life, Car, Home,etc. board. 11:49 AM

Re: Life insurance

Hi ThyPeace,

OK... it sounds like whole life *probably* is not a great fit, based on your parameters. Whole life has a lower growth/return rate, and higher mortality expenses, than alternatives, and is more appropriate for people to whom the [more]

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Boards Stats & Trivia

Big gold star, 5000 posts Top Favorite Fools Old School Fool
Board Posts 16561
Recs Received 45406
People who have rec'd these posts 3240
Recs to Posts Ratio (last 30 days) N/A
Threads Started 2918
Threads Started Percentage 17.62 %
Most Frequent Board Buying or Selling a Home
Very First Post Re: Does Money go "POOF"? (2/22/2001)
Percentage of Posts Rec'd 55.06 %
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