Dwdonhoff

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

Dwdonhoff’s Activity

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]

Sat Sep 13

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 11:36 PM

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

Hi Ray,

The IUL has been conceded as unbeaten as a safe product (nobody is even willing to TRY to build an equally safe attempt, which tells all that needs to be heard.)
In the timeframe of interest -- 25/30/35 years -- a
[more]

NL

Boards Post

Dwdonhoff replied to the Owning Rental Property board. 7:54 PM

Re: Raise the rent and communication strategy

In CA it is valid to require renter's insurance
Ditto that in WA. Mandated by virtually all management companies, and most of the smarter private landlords.

Dave

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 7:52 PM

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

One more point;

I'm not sure what's the benefit of going back much before WW2, and especially going back to include the Depression years. That was a one-off event, and a completley diffrent market regime. 90% margin, no SEC, [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 7:46 PM

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

Annual Returns on Stock, T.Bonds and T.Bills: 1928 - Current
HTML
http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/...
Excel
[more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 7:41 PM

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

I think the Retirement Investing board is an appropriate board with far more readers unless Dave doesn't think an IUL is an appropriate retirement product.
Been there, see prior post reference to mindless noise.

The IUL has [more]

NL

Boards Post

Dwdonhoff replied to the Insurance - Index Universal Life board. 7:37 PM

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

Hi Guys,

St. Louis Fed provides FRED data for T-Bills back to ~1953
Here, data since 1928;
[more]

Sun Sep 7

NL

Boards Post

Dwdonhoff replied to the Buying or Selling a Home board. 5:36 PM

Re: Two Unorthodox Ways to Pay Off a Mortgage Ea

Hi Ray,

Although it's right in line with the people who say that investing in stocks when you have a mortgage is the same thing as buying your house on margin.
Yep... the original point of agreement we've had since we 1st [more]

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Big gold star, 5000 posts Top Favorite Fools Old School Fool
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