The rational is the same as switching more stocks to bonds as you get older, you have a lower risk profile because you don't have the time to make it up.

I would advise him to invest that money in the stock market.  

I would stay away from wholesale or discount stores, they only sell items for short periods of time and will run out of stock.

Or how is it determined in an EIUL as to how much goes towards the death benefit and how much towards the stock?

Next thing is you don't want to put much stock into the ROI numbers presented.

we thought about renting by the room, but that may not even be enough extra to be worth it. we also thought about only selling some equities (stock) and using some HELOC, with the intent of further selling equities if needed.

I've thrown out some feelers and it seems most of the people i've reached out to have been interested in 4% every 4th month with the option to pull their return or let it compound and an option to withdraw their principle investment annually.

I guess im really asking, through the thick and thin of denial and being the laughing stock, how did you all keep going?

Based on hard assets, real estate tends to weather the ups and downs long term better than other investment tools, such as stocks or bonds. 2.

The year 1982 also saw the start of the two-decade bull market in stocks, and the 40-year bull market in bonds.When Volcker left office in August 1987, inflation was still running at 4%, far from zero, but far below the 13% of 1979 when he had arrived as Fed Chairman.