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l*******t
发帖数: 573 | 2 【 以下文字转载自 Parenting 讨论区 】
发信人: lakeheart (雷克哈特), 信区: Parenting
标 题: Genworth和protective哪家比较好？
发信站: BBS 未名空间站 (Wed Feb 5 11:02:13 2014, 美东)
正在买life insurance，genworth和protective两个公司哪个更好些？ |
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l*******t
发帖数: 573 | 3 【 以下文字转载自 Parenting 讨论区 】
发信人: lakeheart (雷克哈特), 信区: Parenting
标 题: Genworth和protective哪家比较好？
发信站: BBS 未名空间站 (Wed Feb 5 11:02:13 2014, 美东)
正在买life insurance，genworth和protective两个公司哪个更好些？ |
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s****y
发帖数: 109 | 4 最近有一个genworth 实习的面试，要求建立cash flow model。请教一下genworth面试
经验， 还有我应该如何准备cash flow model？我是统计背景，没学过cash flow
model.
谢谢！ |
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s****y
发帖数: 109 | 5 最近有一个genworth 实习的面试，要求建立cash flow model。请教一下genworth面试
经验， 还有我应该如何准备cash flow model？我是统计背景，没学过cash flow
model.
谢谢！ |
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l*******t
发帖数: 573 | 6 正在买life insurance，genworth和protective两个公司哪个更好些？ |
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i****k
发帖数: 804 | 7 中餐馆还是蛮多的。
不过我最中意的，是GENWORTH旁边的 Mekon。 |
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h****5
发帖数: 191 | 8 applied through genworth.com |
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w***i
发帖数: 115 | 9 Take a quick look of some financial management books or account books. Go to
genworth website (or any insurance company website), look at their annual
statement/blue book. I think the cash flow statement is on page 5. |
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w***i
发帖数: 115 | 10 Take a quick look of some financial management books or account books. Go to
genworth website (or any insurance company website), look at their annual
statement/blue book. I think the cash flow statement is on page 5. |
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Y*H
发帖数: 1582 | 11 听一老美说的,没仔细问.
人寿命越来越长,LTC这玩意pricing risk太大,不过好像genworth算是LTC里面做得好的? |
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g***t
发帖数: 1279 | 12 Genworth Swings To Profit On Smaller Investment Losses
21 minutes ago - Dow Jones News
Related Companies
Symbol Last %Chg
GNW 13.63 1.94%
As of 4:00 PM ET 1/28/10
DOW JONES NEWSWIRES
Genworth Financial Inc. (GNW) swung to a fourth-quarter profit--its second
in a row--as the insurer trimmed investment losses and got a lift from loss-
mitigation efforts in its mortgage-insurance business.
The life insurer, which also owns a large mortgage-insurance business, has
been back in the bl... 阅读全帖 |
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y****i
发帖数: 778 | 13 If you want return of premium (ROP), try 30 year instead of 20 year because
of compound interest. My $500k 30 year ROP term life premium is $50 a month,
starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
insurance companies do not provide ROP term for F1 or H1. My lowest
quotation was from AIG but finally chose Genworth because they accept H1 for
ROP term at that time. You can quote online and in my... 阅读全帖 |
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b******l
发帖数: 299 | 14 Genworth is very famous which used to be a division of General Electric. To
be sure, you need to know whether Genworth participates insurance protection
program in your state. Usually every state has insurance protection program
which can guarantee your insurance to some predetermined liability, such as
$200k. |
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X***h
发帖数: 74 | 15 最近正在买life insurance，有一个问题一直不清楚。就是life insurance公司如何保
障其在我
有生之年还不倒呢？如果倒掉了，我该找谁去呢？我现在是在AccuQuote上面quote了，
然后选择了
Genworth的insurance。但是毕竟Genworth不像NewYork Life那么人人皆知，虽然也是A
类的保
险公司。不知道应该关注其公司哪方面的相关资料才能判断算不算可靠。得问问这里的
达人了。 |
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l**********c
发帖数: 434 | 16 保险公司没问题,有问题的是agent。必须仔细看policy才知道trick在那里。
我查了一下，你这个叫"no lapse guaranteed" Universal Life with return of
premium,其实就是一种term life until age 105 or 121。这个可不便宜。我quote的
没有return of premium的59岁女性best class:
1. $5,675.00 per year with Aviva Life and Annuity Company Request an
Application
Advantage Builder Series III w/NLG 175k+ Premier Non-Tobacco
2. $5,785.30 per year with United of Omaha Life Insurance Company
Request an Application
Guaranteed Universal Life - to... 阅读全帖 |
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z****l
发帖数: 5282 | 17 ☆─────────────────────────────────────☆
annachen0123 (安心) 于 h 提到:
本人对保险不是很了解，想在这里请教各位。
我想打算给我妈妈买份纽约人寿保险，不到60岁，比较感兴趣的是这种险种：
每个月交$250,一直交到我妈去世为止，到时除了把你每年交的这些前如数退还，还可
以额外得50万刀，就是没有现金值在里面，你交多少就会退多少给你。我妈现在没有身
份，探亲过来的。纽约人寿险说只要入保险时在美国就可以买，不限身份。
我买这个目的是想到时我女儿成人时可以给她用来上学，或者成家用。
请教各位，这种险种合适么？有没有更好险种？
谢谢！
☆─────────────────────────────────────☆
ljty (老家太原) 于 (Fri Jul 15 18:05:32 2011, 美东) 提到:
听着挺玄的，忽悠？
能不能把这个保险的英文名字报上来?
☆─────────────────────────────────────☆
annachen0123 (安心) 于 (Fri Jul 15 1... 阅读全帖 |
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l**********c
发帖数: 434 | 18 三十多块每月一直到105岁是不可能的.前二十年可能,然后就每年涨.
下面是年费.
To Age 105 Level Guaranteed
Company and Product
Premium
Health
AM Best Rating
Protective Life Insurance Company
Centennial G II UL - to age 105
2,182.86
P+
A+
West Coast Life Insurance Company
LifeTime Platinum III - to age 105
2,182.86
P+
A+
Genworth Life and Annuity Insurance Co
GenGuard UL - no lapse UL to 105 (b2)
2,254.05
P+
A
Genworth Life Insurance Company
GenGuard UL - no lapse UL to 105 (b2)
2,254.05
P+
A
50 |
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l**********y
发帖数: 2050 | 19 Source: www.earnings.com (S&P 500 Company only)
Earnings Releases - Proposed:
SYMBOL COMPANY
EVENT TITLE
EPS ESTIMATE EPS ACTUAL PREV. YEAR ACTUAL Date/Time (ET)
1月30日起：
AFL Aflac Inc
Q4 2011 Aflac Inc Earnings Release
$ 1.52 n/a $ 1.33 30-Jan - 3-Feb
APC Anadarko Petroleum Corp
Q4 2011 Anadarko Petroleum Corp Earnings Release
$ 0.61 n/a $ 0.29 30-Jan - 2-Feb
AON Aon Cor... 阅读全帖 |
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l**********y
发帖数: 2050 | 20 Source: www.earnings.com (S&P 500 Company only)
Earnings Releases - Confirmed:
SYMBOL COMPANY
EVENT TITLE
EPS ESTIMATE EPS ACTUAL PREV. YEAR ACTUAL Date/Time (ET)
2月1日
AET Aetna Inc
Q4 2011 Aetna Inc Earnings Release
$ 0.98 n/a $ 0.63 1-Feb 6:00 AM
ALL Allstate Corp
Q4 2011 Allstate Corp Earnings Release
$ 0.96 n/a $ 0.50 1-Feb AMC
AMP Ameriprise Financial Inc
Q4 2011 Ameriprise Financial ... 阅读全帖 |
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f******t
发帖数: 478 | 21 NEW YORK, Nov. 2, 2012 /PRNewswire/ -- Genworth Financial, Inc. (GNW) today
announced the commencement of a modified "Dutch auction" tender offer (the "
Tender Offer") for a portion of its outstanding 5.75% Notes due 2014 (the "
Notes") in accordance with the terms and subject to the conditions set forth
in the Offer to Purchase for Cash, dated November 2, 2012, and the
accompanying Letter of Transmittal (together, the "Offer Documents"). A
summary of the Tender Offer is outlined below.
http://f... 阅读全帖 |
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b*****p
发帖数: 9649 | 22 Peter Schacknow, Senior Producer, CNBC Breaking News Desk
The Dow and S&P 500 have essentially run in place for two weeks, waiting for
today's Fed policy statement. That statement will be out at 2pm ET, and
investors will no doubt be searching for clues as to when and how the
central bank will scale back and eventually exit its accommodative monetary
policy.
The Street will have plenty to occupy its attention ahead of the Fed
statement, with the latest ADP and GDP reports out this morning. The A... 阅读全帖 |
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y****i
发帖数: 778 | 23 Usually they are different companies.
If you want return of premium (ROP), try 30 year instead of 20 year because
of compound interest. My $500k 30 year ROP term life premium is $50 a month,
starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
insurance companies do not provide ROP term for F1 or H1. My lowest
quotation was from AIG but finally chose Genworth because they accept H1 for
ROP term at tha... 阅读全帖 |
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y****i
发帖数: 778 | 24 Are you talking about term life?
If you want return of premium (ROP), try 30 year instead of 20 year because
of compound interest. My $500k 30 year ROP term life premium is $50 a month,
starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
insurance companies do not provide ROP term for F1 or H1. My lowest
quotation was from AIG but finally chose Genworth because they accept H1 for
ROP term at that tim... 阅读全帖 |
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c****s
发帖数: 5892 | 25 最新研究指出，从自宅拥有率、房产占个人资产比率，以及房地产在经济总产值所占比率这三大指标来看，加拿大房市目前正攀上历史高峰。
最新一期的「加拿大商业杂志」(Canadian Business Magazine)综合学者、专家的研究，分析加拿大统计局及「加拿大房贷及房屋公司」(CMHC)的相关数据，结果显示上述三大指针都达到史上高峰：
一、家庭拥有自宅比率：接近70%的比率为史上最高，还可能进一步上扬。根据房贷保险公司「加拿大健沃斯财务」(Genworth Financial Canada)的调查，假如有助达成购屋梦想的话，多达68%的租房族愿意延后购买其他高价商品，逾半愿意放弃旅游，可见民众拥有自宅愿望强烈。
二、房产占个人资产比率：房产抵押凈值(home equity)约占个人平均资产净值的三分之一。近年房价飙涨是造成此比率高升的主要原因之一：加拿大房地产协会(CREA)的数据显示，过去十年成屋成交价每年平均涨7%，2002至2007年间更逾10%;目前稍趋温和，但今年1至2月间升幅仍达6%。
三、房地产在经济总产值中比率：与房地产相关的活动，包括房地产交易及装修、家具消费等，占国内... 阅读全帖 |
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b***t
发帖数: 1248 | 26 特朗普个人干预 阻止中资基金收购莱迪思半导体
美国总统特朗普(Donald Trump)周三阻止了一家有中国政府背景的基金收购美国芯片制
造商莱迪思半导体(Lattice Semiconductor, LSCC)的交易，表明美国政府将严密审查
中国在美国半导体科技领域的投资。
在特朗普拒绝这桩交易前，交易双方Canyon Bridge Capital Partners和莱迪思迈出了
罕见的一步，直接向特朗普提出请求，希望推翻美国海外投资委员会(Committee on
Foreign Investment in the U.S., 简称CFISC)作出的负面决定。CFISC是一个跨部门
委员会，以维护国家安全为目的对外国投资者在美国的投资行为进行审查。
白宫周三表示，特朗普认为这项价值13亿美元的交易可能给美国的国家安全带来风险，
理由是“可能涉及向外国收购方转移知识产权、中国政府在支持这桩交易中所发挥的作
用、半导体供应链完整对美国政府的重要性、以及美国政府使用莱迪思产品”。
一般来说，如果没有获得CFIUS批准，企业会选择撤销交易，而不是把交易提交给总统
，以免再次被白宫否决。但C... 阅读全帖 |
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b***t
发帖数: 1248 | 27 特朗普个人干预 阻止中资基金收购莱迪思半导体
美国总统特朗普(Donald Trump)周三阻止了一家有中国政府背景的基金收购美国芯片制
造商莱迪思半导体(Lattice Semiconductor, LSCC)的交易，表明美国政府将严密审查
中国在美国半导体科技领域的投资。
在特朗普拒绝这桩交易前，交易双方Canyon Bridge Capital Partners和莱迪思迈出了
罕见的一步，直接向特朗普提出请求，希望推翻美国海外投资委员会(Committee on
Foreign Investment in the U.S., 简称CFISC)作出的负面决定。CFISC是一个跨部门
委员会，以维护国家安全为目的对外国投资者在美国的投资行为进行审查。
白宫周三表示，特朗普认为这项价值13亿美元的交易可能给美国的国家安全带来风险，
理由是“可能涉及向外国收购方转移知识产权、中国政府在支持这桩交易中所发挥的作
用、半导体供应链完整对美国政府的重要性、以及美国政府使用莱迪思产品”。
一般来说，如果没有获得CFIUS批准，企业会选择撤销交易，而不是把交易提交给总统
，以免再次被白宫否决。但C... 阅读全帖 |
|
发帖数: 1 | 28 前有华为被制裁，今有马云被阻拦。但你是否知道，特朗普上任后，大幅加强了对中国
企业在美投资的审查。
过去的2017年，中国企业在美并购规模暴跌，规模仅138.8亿美元，而2016年同期为603
.6亿美元，降幅高达80%！
中国紫光集团38亿美元入股美国存储公司西部数据，被叫停；
中国泛海27亿美元收购美国保险公司Genworth，正全面审查；
总统亲自下令，阻止中国企业收购德国半导体企业爱思强；
特朗普亲自出手，叫停中国私募基金对美国芯片制造的收购；
中兴被制裁、钢铁被调查，华为两年更是在美被仲裁40多次！
所有的理由几乎都是危害国家安全、危害公民信息。就连一个普通的手机、电脑，也要
千方百计地阻扰！ |
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m*****u
发帖数: 15526 | 29 很多公知精英把持话语权，千遍万遍地说说美国是资本主义市场经济的样板，是对外开
放程度最高的国家，与国际接轨就是与美国接轨。可实际情况绝非如此！美国处处让别
国开放市场，自己国家却处处封闭，绝对是一副帝国主义的强盗嘴脸。
1、中国敞开大门欢迎外资进入，美国对中资处处设防。美国经济最欢迎中国购买美国
国债，但假如中国企业购买美国公司，尤其是一些能源、技术等敏感领域的资产，尽管
纯属商业行为，也会遭遇极大阻力，甚至被妖魔化。美国针对中国的投资“潜规则”核
心词有两个，一个是中国，另一个是国家安全。只要是来自中国的投资，美国政客都会
拿着放大镜观察，有时放大镜甚至变换成哈哈镜。
中国的华为也无法撼动美国针对中国投资的“潜规则”，2011年，华为收购美国三叶公
司200万美元部分资产的小交易，但在美国一些政客的操弄下，质疑华为此番收购可能
暗藏不可告人的目的，最终会损害美国国家安全，最后只能无奈放弃。2012年，美国众
议院情报委员会更公开发表报告，指责华为和中兴的设备有损美国“国家安全”，“建
议”美国公私部门不要选择这两家公司的产品，并“建议”CFIUS阻止化为和中兴在美
国的收购和兼并活动... 阅读全帖 |
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w********2
发帖数: 632 | 30 融创中国（01918.HK）和泛海控股（000046.SZ）今天双双公告，融创以125.53亿（债
券债务相抵后）从泛海手中拿下北京泛海国际项目二期1号地块及上海董家渡项目全部
权益。这是地产行业2019年的第一笔大交易。
泛海的土地储备主要集中在武汉、北京和上海，其中在北京、上海主要开发的即上述两
个项目。泛海控股最新公告显示，本次出售的两个项目的总资产为445亿，占泛海控股
2079亿总资产的21%。
泛海拿下北京泛海国际项目和上海董家渡项目的土地均已在十几年前，属于长期囤地坐
等升值的典型。北京泛海国际几年前销售均价8万多元，目前对外报价已达14万。董家
渡则是潜力巨大的上海南外滩金融区，周边房价也已是10万元以上。
相比之下，这两个项目的转让价可谓白菜价了。北京泛海国际二期1号地块66.85万平方
米，上海董家渡项目3个地块建筑面积预估62.8万平方米，合计129.65万平方米。以总
价125.53亿计算，每平米平均楼面价不到1万元。
泛海这两个项目的成本和预期收益是多少呢？北京泛海国际项目二期1号地块是泛海在
2006年取得，土地出让金仅5.27亿，计划总投资300亿。202... 阅读全帖 |
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a****e
发帖数: 706 | 31 这个公司怎么样?我好像没听说过.准备买life insurance了,agent给的有几家,但只有
这家提供accelerated death benefit.本来想买ING的，觉得名声比较大，买着放心点
，但ING
没这个benefit。。。 |
|
|
t*m
发帖数: 4414 | 33 Thanks. I am in CT, will call Genworth to ask about insurance protection
program.
To
protection
program
as |
|
|
y****i
发帖数: 778 | 35 REIT or Bbb grade corporate bond with yield 7-8%, like genworth. |
|
y****i
发帖数: 778 | 36 Muni bond with AGM or Mbia insured with 4.5-5 percent tax free return 6 -10
year mature. If your tax bracket is less than 25 percent, bbb investment
grade bond like genworth 7-8 percent yield. If short-term like 1-2 year, m-
REIT like Arr, Agnc, nly or combine these three dependent on your risk
tolerance. |
|
y****i
发帖数: 778 | 37 Muni bond with AGM or Mbia insured with 4.5-5 percent tax free return 6 -10
year mature. If your tax bracket is less than 25 percent, bbb investment
grade bond like genworth 7-8 percent yield. If short-term like 1-2 year, m-
REIT like Arr, Agnc, nly or combine these three dependent on your risk
tolerance. |
|
y****i
发帖数: 778 | 38 Dependent on how long term and in your taxable or tax deferred account. For
me, the easiest long term for taxable account is individual muni bond. It
guarantee your investment doubled for 15 years if you like semiannually
interest payment or 12 years if you choose zero coupon, and all interests
are tax free. If in your tax deferred account, then BBB Investment grade
corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
co... 阅读全帖 |
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y****i
发帖数: 778 | 39 Dependent on how long term and in your taxable or tax deferred account. For
me, the easiest long term for taxable account is individual muni bond. It
guarantee your investment doubled for 15 years if you like semiannually
interest payment or 12 years if you choose zero coupon, and all interests
are tax free. If in your tax deferred account, then BBB Investment grade
corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
co... 阅读全帖 |
|
y****i
发帖数: 778 | 40 If your tax rate is lower than 25 percent, BBB corporate bond like Genworth
6-7 percent yield, 5-7 year maturity. m-REIT like ARR, AGNC 14-15 percent
yield and low risk before 2015. If your income fed tax rate is higher than
28 percent or hit AMT, can buy and hold even the bond market price is lower,
try individual muni bond with monoliner insurance, 4-5 percent yield but
tax free. Combination of these three will give you 6 percent yield after tax
, or try to put corporate bond and m-REIT in you... 阅读全帖 |
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a*******y
发帖数: 100 | 41
Genworth
lower,
tax
very useful suggestion
thanks |
|
y****i
发帖数: 778 | 42 If your tax rate is lower than 25 percent, BBB corporate bond like Genworth
6-7 percent yield, 5-7 year maturity. m-REIT like ARR, AGNC 14-15 percent
yield and low risk before 2015. If your income fed tax rate is higher than
28 percent or hit AMT, can buy and hold even the bond market price is lower,
try individual muni bond with monoliner insurance, 4-5 percent yield but
tax free. Combination of these three will give you 6 percent yield after tax
, or try to put corporate bond and m-REIT in you... 阅读全帖 |
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a*******y
发帖数: 100 | 43
Genworth
lower,
tax
very useful suggestion
thanks |
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y****i
发帖数: 778 | 44 BBB Investment grade corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
company （BDC）like PSEC 10-11 percent yield. All are good for Ira or Roth
IRA, buy the dip for each section. |
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y****i
发帖数: 778 | 45 Muni bond with AGM or Mbia insured with 4-4.5 percent tax free return 6 -12
year mature. BBB investment grade bond like genworth 6-7 percent yield and m-
REIT like Arr, Agnc or BDC like PSEC in your IRA or combine these three
dependent on your risk tolerance. |
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y****i
发帖数: 778 | 46 You can rollover your 401k to IRA when you transfer jobs. If your income is
less than 173k for joint filers (110k for single), you can open a Roth IRA
and put $5000.
All following are good for IRA or Roth IRA, buy the dip for each section.
BBB Investment grade corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
company （BDC）like PSEC 10-11 percent yield.
Because you may return to China, you can also open an account usin... 阅读全帖 |
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y****i
发帖数: 778 | 47 众所周知，垃圾债券风险高于投资级债券，但债券价格的波动比股票还是小很多。对经
济循环股来说，如果你看好后期走势但是又不想盲目入市，不妨从其垃圾债券入手。下
面举两个例子，其中一个是投资级的最低级，传闻有可能被降级。
GNW, Genworth,stock price $5.48, CUSIP 37247DAN6, 02/15/2021,coupon 7.2
percent, ask price 103.875$, yield 6.583 percent, rating BBB-.
JCP, JC Penney, stock price $24-25, CUSIP 708160BQ8, 04/01/2017, coupon 7
.95 percent，ask price 104.25$, yield 6.814 percent, rating B+. |
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y****i
发帖数: 778 | 48 众所周知，垃圾债券风险高于投资级债券，但债券价格的波动比股票还是小很多。对经
济循环股来说，如果你看好后期走势但是又不想盲目入市，不妨从其垃圾债券入手。下
面举两个例子，其中一个是投资级的最低级，传闻有可能被降级。
GNW, Genworth,stock price $5.48, CUSIP 37247DAN6, 02/15/2021,coupon 7.2
percent, ask price 103.875$, yield 6.583 percent, rating BBB-.
JCP, JC Penney, stock price $24-25, CUSIP 708160BQ8, 04/01/2017, coupon 7
.95 percent，ask price 104.25$, yield 6.814 percent, rating B+. |
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