Who would you guys recommend for email? SHould I just get is from Godaddy? I got the domain names from them (not that it matters). Does it make a difference on the email providers? Sorry in advance if the question is stupid, I am very new to owning a website.

Fortunatley from and Industry stand point Medicare Supplements will be safe, it is the Medicare Advantage plans draining Medicare that we must worry about. Hopefully, after their subsidies are cut Medicare Supplement Insurance Plans wll become more affordable.
The Obama plan will only extend Medicare Part A untill 2029 and some predict not even that long.
Anyone got any brilliant ideas on how to save Medicare?

Medicare Supplements simply put keep you with your Part A and Part B which covers your Dr and Hospitals and generally if you have Plan F picks up 100% of the 20% Medicare leaves behind at your Dr and hospital.
The Medicare Advantage Plans disenroll you from A&B and puts you with a private network of Dr and Hospitals and now you will pay as go with copays and deductibles.
Of course there are many other differences.
Can anyone name some?

When one is turning 65 and going on to Medicare, where does one turn to, to find the most afforadable medicare supplement insurance plans?
I know that
Medicare Supplement | Medicare Supplements Made Easy has helped many not only become informed about Medicare Supplement Insurance, but also they help find the most affordable Medicare Supplement Insurance Plans.
Which do you find to be the most confusing about Medicare?
A: Media
B: Mail
C: Too many plans to choose from

I just recently got contracted with Gerber Life, Sentinel Life, Mutual of Omaha and others. I have found that only MoO has an online tracking system to check the status of applications.

Does anyone know of an agent login for Sentinel Life and Gerber where I can track the status of my business or do I just have to call into the company every week.

Is this a good order?
Client,carrier,policy number,premium,effective date,expiration date, address.

I guess Obama likes trying to wipe his arse on batman's cape. Fine. Let the games begin. And yes, I suspect that they can get him on something although I havent kept up with what the something is. As discussed before the Obama strategy is to make sure that the AZ and the feds dont enforce immigration and to target anyone who does.

We are not prosecuting the Black Panther but we have Arpaio over on the ropes gasping for air. I feel safer now.

U.S. government sues Ariz. sheriff in civil rights probe - USATODAY.com

Today i filled out my first auto quote as an agent for a 06 hyundai sedan and came about $1,600 with kingsway and $1,300 with travelers using insurance noodle. It was 100/300 BI and UM 5O PD, 500 COLL 500 COMP. Is that normal?

I need to gain some insight on which companies are reputable in this industry. I have heard of the Norvax and Quotit get ups. What else is out there? One thing I did like about Quotit; they quote all individual lines, including a killer Medicare quote engine. It is pricey though, not as pricey as Norvax(which does only individual health). There has to be competitors...no monopoly!

I have a list of names, cities/towns and birth dates for several individuals. I need their phone numbers for each.

I would like to know if there is a service where if I provided that information, is there any way they can provide me with the phone numbers of these folks?

I guess I could start going through the White Pages but I think we have a major reduction in land line usage so the phone numbers might be in the form of a cell phone. This is an attempt to contact individuals not businesses.

Any ideas or names of firms who specialize in this would be much appreciated.

Thanks!

I know the debate about whether having insurance on kids is a financially sound idea or not. I am in the is camp. Below is a paragraph from an email. I had asked her if I could use it.
Background: I have two policies on her two other kids. (Orphans) And rewriting some old ULs on her and her husband. Her 20 year old son was killed in an auto accident.

“”No, Lee, this has been important to me since I was 14. Being 58 now, it is still important to me. And life insurance helped us get thru a very difficult year, in a financial way I never imagined. When my son died, we could not finish a sentence or a thought. Then we got sued the next year because of the accident. The $$ from the accidential death policy and the whole life policy paid our bills, when we could not function due to so much heartache. Explain this to your younger parents, as I did not know how awful life could be, but at the same time how thankful I was to have life insurance.””

“”Hi Lee,
Yes, use that paragraph however you want. It is so important for parents to understand that their mortgage goes on & all their other financial obligations. The money from insurance is not supposed to make you feel better or to plan a vacation, but rather sustain you through the absolute worst of heartbreaking experiences. I only know this after experiencing it personally, especially being self employed. I know parents who have lost their jobs, their homes, cars, etc. I have attended seminars to help with my healing and the one thing that all parents agree upon is that we all grieve differently, and you will go thru hell before you start to heal. It may take years to get to your "new normal" and only then do you understand what being a "survivor" truly means.

Thanks again Lee,
Cheryl “”


Please comment as an agent and also as a parent.
Just my 2 cents

I already have Med Supp contracts with AARP, Bankers FIdelity, Continental Life, Family Life, Mutual of Omaha, New Era, Royal Neighbors, and Standard Life. Who would you add if you were going into SC and NC?

I want to make a disclaimer - I'm not an insurance industry professional, I'm an internet industry professional, so I kindly ask you to forgive my "insurance industry" stupidity.

I just got off reading "Good (relatively) Company for Life Leads?" topic. Scary thing (especially "we are waiting" video)! Do I really need to spend long years learning how different insurances work to gather insurance leads and sell it to you guys? :err:

Basically what I want to ask. I'm about to start developing questionnaires. I want to create them as lite as possible and to ask people as few questions as possible, because people do NOT like to fill out forms. So if someone can advice me what is minimal necessary list for auto, home, health and life insurances it would be very helpful.

What is the general plan:
1) No incoming affiliate leads, just SEO/SEM/Media (so I control double sell issues).
2) All leads are called back by call center to assure that person is real, and lead isn't bogus.
3) Paid leads - shared 3 and 5 agents tiers.
4) Free leads - spread placement, 10 agents, if lead pays for the placement, and agent pays monthly subscription.

What do you think? To continue? Or give up? :embarrassed:

Title says it all... guessing rural yields best results. Any experiences?

This was a nice summary of the situation:

Let me get this straight. We're going to be "gifted" with a health care plan we are forced to purchase and fined if we don't, written by a committee whose chairman says he doesn't understand it, passed by a Congress that hasn't read it but exempts themselves from it, to be signed by a president who also smokes, with funding administered by a treasury chief who didn't pay his taxes, to be overseen by a surgeon general who is obese, and financed by a country that's broke.

What the hell could possibly go wrong?

One strike and you're out:

1 man, 2 murders lead to tough laws for sex crimes against children - CNN.com

The short version is yet again a violent sex offender on parole killed two girls. The liberals are apparently crying that this "one strike" bill violates the sex offender's rights.

"Chelsea's Law is awaiting Gov. Arnold Schwarzenegger's signature after unanimously passing the Senate and Assembly in a rare display of bipartisanship.

Formally known as AB 1844, the bill creates mandatory sentences of life without parole for violent sexual offenses against children. Another major provision of the 62-page bill is lifetime parole for people who commit certain sex crimes against minors."

Apparently the registered sex offenders against this bill say this further erodes their constitu

Better saddle up and get read for this ride:

Rescue efforts under way after oil rig explosion in Gulf – This Just In - CNN.com Blogs

[Posted at 11:33 a.m.] An oil rig has exploded 80 miles off the coast of Louisiana, with 12 people overboard and one missing, the Coast Guard said Thursday morning.

Rescue attempts are under way for at least 12 people, Coast Guard spokesman John Edwards told CNN. 13 people were on board the rig total, Edwards said, noting 12 have been accounted for, but one person was missing.

The accident took place 80 miles off the coast of Louisiana on the Vermilion Oil rig 380, which is owned by Houston-based Mariner Energy.

I want to sell med supps in FL (resident agent), who is a good GA that has several part B and final expense carriers.

I hadn't seen in mentioned in the forum yet, but TN has passed a new law in the legislature that all companies that sell over 65 supplements must also offer under 65 starting Jan 1, 2010. It's been signed into law already, a couple months ago.

They've also got a law in the state house in committee right now that gives a GI period on the policy renewal date annually for all supplements.

I have a small group that pays 100% of the group benefits. Their tax person has been taxing the employees for the health plan. I thought that the health plan was not taxed.

Bryant

BAD NEIGHBOURS AND COUNCIL TAX

A proposed council tax-evaluation policy will mean reassessment of current house values which will mean they will charge us more if we live in a nice area.

That ought to mean discounts for those of us who live in rough areas.

There is a huge house in our street. The extended family is run by a grumpy old woman with a pack of irritable dogs allowed to run without leads. Her car isn't taxed or insured and doesn't even have a number plate, but the police still do nothing. To the best of my knowledge, she has never worked.

Her bad-tempered old man is notorious for racist comments. A shopkeeper blamed him for arranging the murder of his son and his son's girl-friend, but nothing has yet been proved.

All their kids have broken marriages except the youngest, who everyone thinks is gay.

Two grandsons are meant to be in the Army but are always out partying in nightclubs. It is not known if they have the same father. They are out of control.

I hate living near Windsor Castle .

Does anyone have information on the tax credit for small business? Under 50 markets. What is the exact language?


Thanks Bryant

Admission? Confession? All I can think is how scary it is that this idiot will be "teaching" at Bezerkeley!

Romer: My Plan Failed

September 1st, 2010 at 6:05 pm Tim Mak | 48 Comments |


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Dr. Christina Romer’s economic speech today, marking her last speech as an administration official, is an admission that the fiscal stimulus package that she helped craft has failed.

Calling the economic recovery “insufficient”, she noted that a 0.6% drop in the unemployment rate still leaves unemployment unbearably high. “Real GDP is growing, but not fast enough to create the hundreds of thousands of jobs each month that we need to return employment to its pre-crisis levels,” she said.

The Obama administration’s fiscal stimulus was meant to boost aggregate demand and get the economy going again. Estimates of GDP show that the United States is still 6% under its pre-crash trend, and that her plan hasn’t worked as expected.

The United States still faces a substantial shortfall in aggregate demand… this shortfall in demand, rather than structural changes in the composition of our output… is the fundamental cause of our continued high unemployment,” Romer told the crowd at the National Press Club in Washington, D.C.

Romer today called for a second round of fiscal stimulus to further boost aggregate demand, a tacit admission that her first round was a failure:

While we’d all like to find the inexpensive, magic bullet to our economic troubles, the truth is, it almost surely doesn’t exist. The only surefire way for policy makers to increase aggregate demand in the short-run is for the government to spend more and tax less. And in my view we should be moving forward on both fronts… the key is that we need to take action, and we need to do it quickly.

Somewhat paradoxically, Romer tried to defend the 2009 stimulus package, even as calls for a second round of stimulus is proof that the package was less successful than was predicted. Romer pointed out that large businesses are starting to be able to access the credit they need:

While credit remains tight for consumers and small businesses, lending standards have stopped tightening and are gradually starting to loosen, large firms are able to borrow at favorable rates and get the credit that they need for investment in day to day operations, and the financial industry has paid back the U.S. taxpayer at a rate few thought possible.

Many Republicans have criticized the Obama administration for painting a rosy picture of economic recovery, and Romer had herself predicted that the stimulus would prevent unemployment from rising above 8%.

Defending her projections, Romer argued that she correctly predicted the stimulus’ effect, but failed to accurately forecast how bad the economy would have been in the absence of the stimulus, also known as the baseline estimate:

An estimate of what the economy will look like if a policy is adopted contains two components: a forecast of what would happen in the absence of the policy, and an estimate of the effect of the policy… we, like virtually every other forecaster, failed to anticipate how violent the recession would be in the absence of policy, and the degree to which the usual relationship between GDP and unemployment would break down.

Further, Romer asserted that the current recession represents an unprecedented problem, one that continues to puzzle economists to this day.

To this day, economists don’t understand why firms cut production as much as they did, or why they cut labor so much more than they normally would,” said Romer. “The current recession has been fundamentally different from other post-war recessions… Rather than being caused by deliberate monetary actions, it began with interest rates at low levels… Precisely what has made it so terrifying, and so difficult to cure, is that we have been in largely uncharted territory.”

As Romer leaves the administration, she says that her only regret is that there is so much left to be done in order to ensure a stable economic recovery. “Policy-makers need to find the will to take the steps needed to finish the job and return the American economy to full health,” said Romer.

And no one should be blocking essential actions for partisan reasons.”

Romer: My Plan Failed | FrumForum

Oh, and by the way, it's all George W. Bush's fault, or the Republicans' fault, or The Party of No's fault, or someone else's fault. Maybe that's what they really teach at Berkeley!

Beware of Acculeads, The Lead Room, 4 Leads or any of its other aliases. No return calls, no returned emails, and no return on your mailers.

Why would someone pay for a med supp when they can get a MA for free? Do you have to be below a certain income to qualify for MA?

My upline informed me that UHC will not pay the up-front $200 for MA contracts, but will instead pay on a "as earned" basis, meaning $16.66/mo for up to 10 years. Has anyone else heard this? It seems to me to be an awfully long time to wait to get paid.

Here is the email I recieved

Subj: Pacificare/Golden Rule sales in CA

Effective immediately, GR/UHC/Pacificare has reduced commissions for the sale of individual major medical in the state of CA to 4% to GAs.
.
The actions taken for the state of CA does not portend to what may be forthcoming for other states.

Please disseminate immediately to your downline.

Is there anyone that has access to sample questions from 2010 ahip? or sample questions.. Do newbies do anything different other than reading the modules and then answering the questions? what studying can be done before opening up the test modules? a little help would be great. thanks

We are having our 10 year reunion this fall and the organizer reached out and let me know that she was going to be giving away goody bags to those who attend. She said she knows that I have a business and that I can provide a business card or anything else to include in the bag. I'm sure others are involved in businesses as well and will include things in the bag. What would you guys put in the bag? I'd appreciate any ideas. I also thought about having a couple of prizes to give away but folks would have to write their name, address, email, phone number on a card. It would be great to have their contact info and maybe set up some coffee dates. Ideas? Help!!!