Insurance Agent Forum

[al3]

[quote]

Originally Posted by TRK3031962

Al3,
What exactly is your problem?
I think you need to go and look in the mirror.
All the accusations are only reflections of what you're doing,

You feel better now?

By the way, I'm in Roanoke, Virginia

Star city of the South. I know it well. I still visit there on rare occasion. I went to U.Va and dated a girl who lived near there. She still does. Walker Batik We went together for almost 4 years starting in 1968... probably before you were born. We almost got engaged... but there were issues. I still speak with her each year... as I have for the previous 40. And yes my wife of 27 years knows... they have met... so don't go there.

(Her daughter who looks like her mom did 40 years ago models on this site.)
Nice city, Roanoke. It was a pit in 1965. Some places do change for the better (except for your airport which still sucks!)

...one of those places that Winter couldn't possibly sell in.

I don't think Winter could sell anywhere where the basic IO was higher than a rubber plant. But that's just my opinion. You may beg to differ and that's fine.

I'm an avid NASCAR fan and don't need a hood to disguise myself against anyone with so much self-hatred as you obviously have.

So who are you? You too are cloaked. No one here knows who you are, what you do, your background, etc. You're right up there with the other hate-mongers on this board. Your advantage is that you can write a complete sentence. Most of the others can't.

As for being a NASCAR fan, I'm not surprised. I know it's not for the crashes... anymore than your read Playboy for the articles.

I'll give you one thing though...how could they possibly call you the "messiah"...God told me I was the only one!!

I'm happy enough to lead a life that shows some service to Krishna. I leave any messiah-ing to those more qualified than I. I'm sure Rick and Winter are in line for the job. You make the call. Not doubt your are qualified.

The Jackass

[al3]

Originally Posted by moonlightandmargaritas

The guy obviously has some deep-seated issues. I truly feel sorry for him...

Oh come on. At least be honest. You don't feel sorry for me... or anyone. It's all about you, no one else but you, and it will always be you, you, you. As for issues, how is it up there on Planet Zardo?

Son, I hate to be the one to break this to you, but we're not all as ignorant as you think we are... and we're definitely not as ignorant as you are. Grow up, Moon. Grow up. Be a man, not a child. You are supposed to be a mature adult in business for yourself. Act like it.

The Jackass

[al3]

Originally Posted by GreenSky

Careful. The asshole is going to call you a bully.

Rick

No, I call you the bully. I call him ignorant. There is a difference. I know it is lost on you... but there is a difference.

Guys, you keep comin' at me and I'll keep comin' back at you. It will end when you end it.

Rick if you think you and your masked comrades intimidate me, you obviously don't get it. I will take you all on. I'm not like the other kids in the school yard that you beat the crap out of. I beat back.

As a young man I faced the dogs and fire hoses of Bull Connor. I'm surely not afraid of twit like you.

You want it to continue.. it will continue. You want it to stop.. it will stop. It's up to you. It's all up to you. I don't care one way or the other.

The Jackass

[Winter]

Originally Posted by al3

No, I call you the bully. I call him ignorant. There is a difference. I know it is lost on you... but there is a difference.

Guys, you keep comin' at me and I'll keep comin' back at you. It will end when you end it.

Rick if you think you and your masked comrades intimidate me, you obviously don't get it. I will take you all on. I'm not like the other kids in the school yard that you beat the crap out of. I beat back.

As a young man I faced the dogs and fire hoses of Bull Connor. I'm surely not afraid of twit like you.

You want it to continue.. it will continue. You want it to stop.. it will stop. It's up to you. It's all up to you. I don't care one way or the other.

The Jackass

Stop Alien Abductions

[midwestbroker]

Well, I read about 40% of this thread as I am interested in the health care movement.

Since I am 99% Medicare, I would want to see how our government is going to "fix" the system for seniors. I know in KC, there are at minimal 50,000 seniors with HMO / PPO plans (Humana has about 23,000 members and Coventry has about 27,000, plus there are about 4 other carriers doing MA plans). So, what would happen to all those seniors and their plans...we will have to wait and see.

-----

Just to throw in my $.02 for the rest of the conversation here...

We all sell insurance for money. I have yet to meet someone who sells insurance for a hobby. Maybe there is someone out there, but I have not yet met them.

Saying that we are all in it for the money is only 1/2 the story. The other 1/2 is how we perform, our ethics.

I am sure that we have all seen or heard of stories about bad people in various industries, automotive, real estate, general contractors, health care, etc. That does not mean all who are in the field are bad. I cannot image anyone actively posting here if they were that bad of an agent. Sure it could happen, but for most, I am sure the forum is a tool to improve.

So, yes, part of me is in it for the money. The other part is because I can help others with their Medicare coverage. I am interested in the insurance field, I enjoy working with seniors, and I enjoy talking with others that do the same. But, I still need money to pay the mortgage, keep food on the table, etc.

[GreenSky]

Originally Posted by al3

No, I call you the bully. I call him ignorant. There is a difference. I know it is lost on you... but there is a difference.

Guys, you keep comin' at me and I'll keep comin' back at you. It will end when you end it.

Rick if you think you and your masked comrades intimidate me, you obviously don't get it. I will take you all on. I'm not like the other kids in the school yard that you beat the crap out of. I beat back.

As a young man I faced the dogs and fire hoses of Bull Connor. I'm surely not afraid of twit like you.

You want it to continue.. it will continue. You want it to stop.. it will stop. It's up to you. It's all up to you. I don't care one way or the other.

The Jackass

Al - This will be my last post on this subject unless of course you feel obligated (as you always do) to respond.

I've never bullied you. You are not "brave" in fending me off. There is something wrong with your mind in that you feel obligated to point out how much better you are than the rest of us. You are psychotic with a capital S.

You never post anything that you agree with unless you put down the other side. You never mention how good a Mac is without putting down Windows. You never mention how good your CRM is without putting down YIO. You never state your position without putting down everyone else's position.

Your sole purpose on this board is to be a contrarian. Enjoy yourself. We won't miss you when you are admitted to the loony bin.

Now it's your turn unless you want to prove that you're a better man than me by not responding (like that will happen).

Rick

[al3]

Originally Posted by midwestbroker

So, yes, part of me is in it for the money. The other part is because I can help others with their Medicare coverage. I am interested in the insurance field, I enjoy working with seniors, and I enjoy talking with others that do the same. But, I still need money to pay the mortgage, keep food on the table, etc.

Well said. I understand. My point is that many agents are against any change, no matter how good or incremental because it is zero-sum to them. For someone to win, they have to lose.

It is not much different than lawyers who seek to block court reform so that people have easier access without lawyers. Same is for CPAs who protest any simplification of the tax code (and god forbid a flat tax!) as it will disintermediate them.

My point in this thread is that many agents know that this system is great for 60% of the general population but even greater for 100% of the agent population. Like the lawyers and CPAs above they resist change and will resort to personal attacks on the messenger because they know they have no chance debating the message.

Many agents here are very conservative and they buy into the theory of Social Darwinism as espoused by Spencer and Malthus, as well as the Protestant Ethic as taught by Max Weber. Many are fine with the fact that many people go hungry, homeless, and sick because they simply can't "make it" in our society. Bottom line they are against changing a system such that it might be a bit worse for the 60% of the population so that it can include the other 40%. However, what they are really against is losing their income. I understand, but I disagree.

Of course the private sector can and does provide a great system... but not to enough people. I'm willing to junk it and start a new system, I don't care who runs it, so long as everyone is included... just as they are in every other civilized country on the planet. And if agents are "cut out" of the picture, well I can live with that. I'm for the so called "greater good." If I could not sell health insurance the world would not stop spinning. I have options... and so do other agents... but they want the gravy train to never stop.... and anyone who dares mention that this train is running out of steam gets buried by personal attacks... as you have seen here.

Bottom line, most agents here don't understand that Voltaire was right we he said "there is nothing stronger than an idea whose time has come." They don't want to hear it and they will do anything and everything to block anyone here from saying it.

The Jackass

[al3]

[quote]

Originally Posted by GreenSky

There is something wrong with your mind in that you feel obligated to point out how much better you are than the rest of us. You are psychotic with a capital S.

I really should put up links to all of your outbursts, character assassinations, mean-spirited posts, and your general display of uncivil behavior but I'm just too lazy to do it... and it would take me all night to post them.

You, with your anger management problems and your lack of tolerance for anyone who dares disagree with you is hardly qualified to diagnose anyone as psychotic. The fact that you even say such a thing about someone you have never met is an act of bullying.

I can understand how you believe that you don't bully people. You honestly don't know that your uncouth and insulting manner in this venue is anything but normal. I don't know what cultural or normative values you grew up with, but what you display here is a total lack of respect for the basic human dignity of anyone else here.

You never post anything that you agree with unless you put down the other side. You never mention how good a Mac is without putting down Windows. You never mention how good your CRM is without putting down YIO. You never state your position without putting down everyone else's position.

I say it as I see it. I won't dispute what you are saying, but I dispute the implication you are tying to make. I may put down YIO... but I don't lie. I do a very good job at being "fair and balanced." I also am not afraid to speak truth to power. I also have no problem with civil disagreement... and at times encourage it.

Your sole purpose on this board is to be a contrarian.

Um... you support the Libertarian party and you call ME a contrarian? The point is that you are right. I would disagree that it is my "sole purpose" but you are right. I don't follow the herd of those here who don't know where they are going. I make up my own mind. I'm not afraid to be wrong, which I often am... but I refuse to be bullied because of it. That's where you make your mistake. You think you can beat me by personal attack. You can't. I'm much, much, much better at it than you are. I've been an editorialist for many, many years and I'm very good at it. With knives, guns, or fists you can beat me, but you can't with words. You are welcome to try, but your resistance is futile.

Enjoy yourself. We won't miss you when you are admitted to the loony bin.

You see what I mean by how your argue? And to you this kind of public behavior is perfectly acceptable.... probably because no one has ever had the balls to put you down over it. But I do. I don't suffer fools like you gladly... or easily.

Now it's your turn unless you want to prove that you're a better man than me by not responding (like that will happen).

I'm a better man than you for the simple reason that I respect your right to exist on the planet. That is not a character trait that you possess, unfortunately.

Feel free to respond, but I will always come back. The only way to beat a bully is to get in the last punch and give them something to remember for the next recess. After a while they go and beat up on someone else.

I don't know when that will happen with you, but I can... and will... wait. Sooner or later you are going to give it up and leave me alone.

The Jackass

[midwestbroker]

The main concern I have with the health care system is that there are policies in place that do not work now, why not improve them?

I cannot speak for all the states, but I know that KS and MO have high risk state pools. Cannot get insurance or declined, then you go to the state pool.

For the poor we have Medicaid.

We have about 300 million in America. 1/6 do not have health care. I say work with them first and see how that works. Don't scrap the whole system without a trial run. Do you really want your health insurance to be a government experiment?

With the agent side of it, I do not want to talk to a government employee about insurance. I do not go to the DMV to talk about my auto insurance, nor do I want to.

Medicare has the SHIP (state health insurance program) people who seem to have about 5 minutes of training, and that includes a 4 minute coffee break. They are supposed to be able to talk to seniors about their options. I have talked to more people they have confused then helped.

[midwestbroker]

Forgot to say that is a good point about taxes and CPA's, I am all for simple tax rules.

However, there will always be CPA's for people who want deductions and who own small businesses.

Look at Turbo Tax and other self tax programs. They make it simple for people who have "simple" taxes. No CPA needed.

[al3]

Originally Posted by midwestbroker

We have about 300 million in America. 1/6 do not have health care. I say work with them first and see how that works. Don't scrap the whole system without a trial run. Do you really want your health insurance to be a government experiment?

I agree in principle, but we already have a patchwork of private and social programs such that no one can figure it out and such a system is wasteful and inefficient.

Any private enterprise you have is efficient, but not usually fair. Government, on the other hand was not set up to be efficient... it was set up to be fair (at least in the US where corruption is not the norm as it is in other parts of the world.)

How do you set up a efficient and fair system... of anything? I don't know.

There are 50 million people who don't have the same access to health care that you and I have. So what is the solution? More regulation of the private sector? Another government program.... on top of those that already exist?

Either might work... but I'd like to see the whole thing junked and we start over.

The main problem I see is that agents (especially here) don't even want to have the conversation. They seem to care less about the 50 million. Well... maybe that's an overstatement. They care so long as there are large commissions paid to them.

Anyway I think the issue is moot. We ARE going to have major changes in the system. I don't know what will happen... but I hope it will be better than what we have now. I'd like to see a system like they have in the UK... a public and a private one. Neither are perfect but it seems to work for them... and I think it could work here.

If it means we end up selling supps, but that everyone has equal access to at least a baseline of quality care, I'm all for it. Those here who say "It won't work" are really saying "It won't work... unless I get 20%" Let's be honest about it.

The Jackass

[Winter]

Originally Posted by al3

Bottom line, most agents here don't understand that Voltaire was right we he said "there is nothing stronger than an idea whose time has come."

The Jackass

Not to detract from your sermon, but it was Victor Hugo who said that- not Voltaire.

Winter

[healthagent]

Hey, I'm an agent and I'll take 10% commish all day long for the exact system we have now, but GI and premiums offset by the gov't. Anyone who's willing to pay for coverage should have coverage.