Well, you may be right about the DOI. I do not underestimate you or your knowledge of the process. But you must know there is no total anonymity on the internet. I have to believe that a competent PI will be able to find you. It may take a while but eventually you will be unmasked.
Of course if you believe in your heart of hearts that what you are doing is right, then you must do it and let the chips fall where they may.
As I say... what goes around... comes around. Patience is a virtue.
Al
Another threat on my life? Your whole world is about to change. Fire your lawyer. Any responsible lawyer would have told you not to post here, anymore. Do you think I'm f'ing around? Your problems are mounting by the hour. I don't know about the rest of the people that you've pissed off, but I had no qualms about talking to the DOI and I have none about contacting law enforcement about your threats. Your days of acting like a fool may live on, but your livelihood and possibly your freedom are about to be removed.
Wow. Dude you're such a douche.... Because you can't handle a very small amount of hazing on an internet board. Your initial responses to Al were piss poor. So you still run to daddy when someone calls you a name?
WATB* surely applies to you. Very likely the same traits exhibited here extend to other areas of you life. I imagine others who already know you are looking for opportunities to eff you over. You may be a daddy, but you are no man.
Lol at threat on your life. Get the sand out of your vag.
*Whiney ass titty-baby.
Originally Posted by dannysdad
Another threat on my life? Your whole world is about to change. Fire your lawyer. Any responsible lawyer would have told you not to post here, anymore. Do you think I'm f'ing around? Your problems are mounting by the hour. I don't know about the rest of the people that you've pissed off, but I had no qualms about talking to the DOI and I have none about contacting law enforcement about your threats. Your days of acting like a fool may live on, but your livelihood and possibly your freedom are about to be removed.
You really DO believe that don't you. Your paranoia is real. Well, relax. No one is going to hurt you. They may sue you if they can find you... but no one is coming after you with an ax!
Let me ask this. Are you in Plano, Texas? That's what I'm told, but it is too early in the process for a definitive location. I thought you might help me out here.
You really DO believe that don't you. Your paranoia is real. Well, relax. No one is going to hurt you. They may sue you if they can find you... but no one is coming after you with an ax!
Let me ask this. Are you in Plano, Texas? That's what I'm told, but it is too early in the process for a definitive location. I thought you might help me out here.
Al, honey, it's a little past your bedtime. Why don't you listen to some nice, soft music and pay attention to your wife for a while.
Everyone can just cool their jets. We all have a ton of stuff to do tomorrow, and honestly, this isn't being productive.
Wow. Dude you're such a douche.... Because you can't handle a very small amount of hazing on an internet board. Your initial responses to Al were piss poor. So you still run to daddy when someone calls you a name?
WATB* surely applies to you. Very likely the same traits exhibited here extend to other areas of you life. I imagine others who already know you are looking for opportunities to eff you over. You may be a daddy, but you are no man.
Lol at threat on your life. Get the sand out of your vag.
*Whiney ass titty-baby.
So we shouldn't be reporting agents acting outside the scope of their licenses? I thought you bleeding heart liberals believe in government oversight. Or perhaps you only want oversight on those people you don't like.
If Al is indeed providing securities advice on his website without being securities licensed, then he needs to be turned into the proper authorities. This is a major violation not only of federal law, but of the insurance laws of the great commune of California.
There are plenty of other crappy agents that get away with this kind of stuff. We need to stop every one that we can find.
Rick
------------------------------------ ILIAA
Training, Community, Support, and Success Independent Life Insurance Agents Assn rick@iliaa.org
Last edited by GreenSky : 10-02-2008 at 09:32 AM.
Reason: spelling
Would you care to share why - in your honest opinion of course.
Tom
I think their mastedex10 was a real scam even though it was/is their largest seller and is the source of countless lawsuits and many more to come and brougt more regulatory heat and bad press to the industry than all the other annuities combined. Nasty product.
In my honest opinion.
Winter
------------------------------------ Spending Our Way to Prosperity
You really DO believe that don't you. Your paranoia is real. Well, relax. No one is going to hurt you. They may sue you if they can find you... but no one is coming after you with an ax!
Let me ask this. Are you in Plano, Texas? That's what I'm told, but it is too early in the process for a definitive location. I thought you might help me out here.
I helped you learn how to sell an FIA and I've helped you learn that you are breaking the law. Aren't any of you bearded liberals capable of doing anything without the assistance of strangers?
I take your desire to locate me as a threat on my life and I am going to report it to the authorities.
I helped you learn how to sell an FIA and I've helped you learn that you are breaking the law. Aren't any of you bearded liberals capable of doing anything without the assistance of strangers?
I passed your "dannysdad" sig to my internet sleuth associate and she came up with some preliminary info from postings made by you (assuming it is you... and they very much sound like you.)
I'm getting to understand you a lot better now from your posts in the forums below. If profiles are accurate (and often they are not) it looks like you are named Tom, live in the Plano/ DFW area, have an avid interest in guns, and have the money to own a very expensive Rolex President watch. Of course, this may NOT be you... but it sure sounds like you. We're working on it. Once we get your DHCP IP address from these boards we will cross-check it with the issuing ISP to learn if this is you or not.
I've been in touch with the owner of this board and he says he will comply with any court order to release info. But he has no info on you. We'll deal directly with the ISP (data center web host) of this board. All ISPs have procedures for releasing information... and we'll follow them. It will take a while to get the order and we'll wait until we are formally notified by any of the "authorities" you have reported us to. No judge (at least in CA) will let an anonymous name on the internet "ruin" someone's business as you are seeking to do. We don't have Star Chamber anymore and the Spanish Inquisition is long over.
Once that is done, we'll see what, IF ANY, legal steps we can take to better defend any actions you have brought against us. At this point I don't know what those would be, but YOU say you come from a family of lawyers so ask them what liability you might have. It may be none. I don't know. I do know that after Yom Kippur we will pick this up and see what legal redress (if any) it leads to.
I don't know of anyone on this board who has ever gotten so pissed off at anyone that they took it to the
DOI. Maybe this IS a good reason to stay cloaked... with guys like you hanging here.
I don't know what I might have written that would be construed as breaking the law, but it IS entirely possible that I have. If so, I'm sure I will get fair treatment from the DOI. I live about a 15 minute drive from their headquarters and I know a few senior people who work there. Almost a year ago one of them asked me to take the exam for Examiner... which I did... and just barely passed by the skin of my teeth! Here is the link to the exam results. You will think I faked this... but it is all public info. You can check it out.
Anyway, take a look at the threads and posts below and let us know if this is you.
The one that concerns me most is this one on the Concealed Handgun License board:
Treatment for Alcoholism
Postby dannysdad on Sat Apr 19, 2008 9:55 pm
Hypothetically, let's say that someone discloses on their application that they were treated for alcoholism 3 years ago and that they haven't touched a drop since then. Is that a dealbreaker? Is it something that could hold up the application process?
They have good products. The Masterdex 10 has to be used in the right scenario. I had clients who made 18% 2 years ago on the S&P index because Allianz does not jack people around with changing caps like some companies I can name. When criticized about the 10 year payout, they retroactively changed the death benefit so that beneficiaries only had a 5 year payout. 10% bonus and indexing that actually tracks the market makes this a very good product to put an IRA into --again in the right situation.
The newer products give beneficiaries and annuitants more choices without forcing payouts. What is coming out next week is a simple interest income bucket accumulation which is indexed but with a guaranteed minimum of 12%. The heirs also get a guaranteed minimums, which is new. Oh, and by the way, once you start income it also goes up every year by your index (or fixed). However much your income goes up in a year is locked in and can't go backwards. You can turn income off and on so it is not an annuitization. I was given a preview of this in Minneapolis a few weeks ago and could go on for pages, but probably they would prefer I don't. This is something I would put my own money in.
Oh, Al, just stop it. You're just wasting time. Get over it.
Get to work, will ya? The government needs the taxes!!!
Bill, you just can't roll over and let guys like this "win." You gotta stand up and be counted. If I knew his email address I'd take it to him privately. (Now that I think of it I suppose I could PM him... hadn't thought of that until now!)
Anyway, don't you think that actions have consequences? I mean... what if some annon. guy from this board came after your license? Would you just sit there and do nothing?
And you know what is interesting... with all the heated discussions and rancor we've had on this list over the past two years I've been on it, I don't know of one instance of someone getting so pissed that they decided to "get" the other guy through a "nuisance" action with a state board. Honestly, even after all this bad stuff between Rick and myself, neither of us (TTBOMK) ever thought about taking our disagreement to the DOI.
Who does a thing like that?
So, yeah, maybe I'm going a bit overboard here... but I take cranks and crackpots seriously when they threaten my life, family, or livelihood. Wouldn't you?
And FINALLY, perhaps there is a lesson in all this for new people. I think the lesson is to keep cloaked! However, that should not be necessary. We should be able to disagree and not fear some kind of physical, legal, or regulatory retribution from others here. And if "we" stand up to the "dannysdad"s of the list, perhaps it will help protect others.
Al's newletters and website may contain his advice and information in violation of his licensing.
A concerned agent is reporting this to the CA-DOI.
Al is pissed off because the person doing this does not want to disclose his information which apparently means he can't make the report?
Al has decided to hire attorneys (he can afford the best!), private investigators, etc. to find out who this guy is.
Al has suggested that he will "get even" with this agent but that shouldn't be construed as a threat.
The real issue is that there is an insurance agent that might be acting in a possibly unethical manner due to information he passes on to the general public.
What am I missing here?
Rick
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Originally Posted by al3
Anyway, don't you think that actions have consequences? I mean... what if some annon. guy from this board came after your license? Would you just sit there and do nothing?
Would Al feel any different if dannysdad disclosed this information to the DOI? If that's all it takes, then I recommend that this be done.
Rick
Last edited by GreenSky : 10-02-2008 at 11:58 AM.
Reason: Automerged Doublepost
Bill, you just can't roll over and let guys like this "win." You gotta stand up and be counted. If I knew his email address I'd take it to him privately. (Now that I think of it I suppose I could PM him... hadn't thought of that until now!)
Anyway, don't you think that actions have consequences? I mean... what if some annon. guy from this board came after your license? Would you just sit there and do nothing?
And you know what is interesting... with all the heated discussions and rancor we've had on this list over the past two years I've been on it, I don't know of one instance of someone getting so pissed that they decided to "get" the other guy through a "nuisance" action with a state board. Honestly, even after all this bad stuff between Rick and myself, neither of us (TTBOMK) ever thought about taking our disagreement to the DOI.
Who does a thing like that?
So, yeah, maybe I'm going a bit overboard here... but I take cranks and crackpots seriously when they threaten my life, family, or livelihood. Wouldn't you?
And FINALLY, perhaps there is a lesson in all this for new people. I think the lesson is to keep cloaked! However, that should not be necessary. We should be able to disagree and not fear some kind of physical, legal, or regulatory retribution from others here. And if "we" stand up to the "dannysdad"s of the list, perhaps it will help protect others.
Al
Al, I understand what you're saying, but there is another perspective - first, it doesn't really take much to get you all riled up (okay, I have no idea whether I spelled that correctly) and you must understand that sometimes it really does appear that people are just jerking your chain, and second, the more you go down a particular path, the more it seems some are pushing you. Personally, I think he was just jerking your chain. As for me, I think you bring a nice persepective to the mix, and Lord knows, we all have different opinions. I cannot for the life of me figure out how everyone didn't think I was correct in my responses to you about what you should do with the called bonds. I'm right I'm right I'm right! And then there are 27 different people with different suggestions. If you were a "real" customer in the "real" world, can you imagine how confused you would be, especially if you were working with some punk from World Financial Group or Primerica??? So, that said, I would recommend to you to just let all the crazy stuff go and not give a whit about it.
While Al and I have had some heated exchanges on this forum for political reasons; that is America. At least in this country we can disagree within the system and not have a military coup every four years.
I have no doubt that Al is a client centered agent. A while back I read some of his newsletters long before we had arguments on this forum. i found them to be informative and client centered. Many agents inadvertently dispense investment advice, just as many do tax advice. The key to whether it is investment advice and an enforceable FINRA violation or not is whether it is general or specific in character.
I do not believe Al did anything with malicious intent and he was just looking out for the best interests of his clients.
As an aside the rhetoric on this forum has been kicked up one notch too high. People are threatening each other with legal action, private investigators etc. This forum was not intended for that it was formed to allow a community of agents to converse, share best practices, and promote the industry. I think we need to remember that even though we may have political views that run counter to each other; after the election we will still be Americans and still be in the same industry. So we should promote our industry to deal with any changes that may come, help our clients and make an excellent living by providing the excellent service we all render.
Al, I understand what you're saying, but there is another perspective - first, it doesn't really take much to get you all riled up
Interesting perspective because while I am a passionate debater (as opposed to a master debater) I've leaned from my many years as writer to try to look at all sides of a story. And I've tried to do this with "dannysdad." I'm trying to understand why he is so upset but at the same time trying to let him know that actions have consequences.
Do I really want to mess with all of this? Of course not. But when they bring the game to your ball park, you have to show up and play!
Personally, I think he was just jerking your chain.
That could be. I suppose I can call the DOI to find out... but good luck getting anyone in licensing to ever answer the phone! They are nice people in that department, but they are way over-worked. (They actually have a phone message that tells you to call back later... they don't even put you on hold anymore!)
As for me, I think you bring a nice persepective to the mix, and Lord knows, we all have different opinions.
That is the value of this board... to get all the opinions of all the subscribers. I've learned a lot just from this venue over the past couple of years... I think everyone has.
If you were a "real" customer in the "real" world, can you imagine how confused you would be
Absolutely. But just as there is no "one route" to get from your house to my house, there are lots of financial tools and strategies to get where people want to go... and I usually use a risk-based decision model as I find that easier to communicate to clients than a reward-based model. Every agent uses the methods that they feel best about. There IS no one RIGHT answer.
So.....let's get to work and pay some taxes!!
As Leona said, "Only the little people pay taxes!"
Al
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[quote]
Originally Posted by Paradigm
While Al and I have had some heated exchanges on this forum for political reasons; that is America. At least in this country we can disagree within the system and not have a military coup every four years.
This is so true. Paradigm and I disagree on everything over in the Non-Insurance-Related forum. And it gets hot and heavy... but that is what it is there for... for people to "duke it out" over issues they feel are important.
But when we walk out of that "room" we are still friends, colleagues, and professionals.
As an aside the rhetoric on this forum has been kicked up one notch too high. People are threatening each other with legal action, private investigators etc. This forum was not intended for that it was formed to allow a community of agents to converse, share best practices, and promote the industry.
Well put. We all from time to time say (post) things here that are probably not "our best moment." I know I'm guilty of that, as are many others. But we don't go out and try to ruin the other guy's business in order to make our point! I don't want to investigate "dannysdad" or take legal action against him. What good can come out of that. But what choice does he leave me? In the real word if you throw stones at someone else's house, their lawyer is going to take a look at what glass house you live in. It may not be "nice" or "pretty" or "civil" but it beats the alternative of violence... which was how disputes were settled for the most part of human history.
"dannysdad" said that he reported me to the DOI. He has that right. But I have a right to defense... and to know who my accuser is and since he won't make himself public, what choice does he leave me? I have the right to explain to the DOI that this person might have "issues" that has motivated him to take the action he has. It goes to motive and to character of the plaintiff. I never finished law school but I remember enough from civil procedure and torts to know that much!
I honestly was surprised at his action because I didn't (and don't) believe I said anything (intentionally) to set him off. I read back over my responses to him and they sound to me as civil and rational.
Well, we'll see how this all plays out.
"dannysdad" (Tom?) if you read this... why not just retract your complaint (if that is possible?) and we can all just try our best to get along? You don't really want this hassle, and I don't want this hassle... we both have better things to do with our time.
If you want some kind of public apology, just say so and you can have it. Let's both of us "step back," cool down, and act like professionals. Please at least think about it.
Al
Last edited by al3 : 10-02-2008 at 01:05 PM.
Reason: Automerged Doublepost
Interesting perspective because while I am a passionate debater (as opposed to a master debater) I've leaned from my many years as writer to try to look at all sides of a story. And I've tried to do this with "dannysdad." I'm trying to understand why he is so upset but at the same time trying to let him know that actions have consequences.
Do I really want to mess with all of this? Of course not. But when they bring the game to your ball park, you have to show up and play!
That could be. I suppose I can call the DOI to find out... but good luck getting anyone in licensing to ever answer the phone! They are nice people in that department, but they are way over-worked. (They actually have a phone message that tells you to call back later... they don't even put you on hold anymore!)
That is the value of this board... to get all the opinions of all the subscribers. I've learned a lot just from this venue over the past couple of years... I think everyone has.
Absolutely. But just as there is no "one route" to get from your house to my house, there are lots of financial tools and strategies to get where people want to go... and I usually use a risk-based decision model as I find that easier to communicate to clients than a reward-based model. Every agent uses the methods that they feel best about. There IS no one RIGHT answer.
As Leona said, "Only the little people pay taxes!"
Al
- - - - - - - - - - - - - - - - - -
This is so true. Paradigm and I disagree on everything over in the Non-Insurance-Related forum. And it gets hot and heavy... but that is what it is there for... for people to "duke it out" over issues they feel are important.
But when we walk out of that "room" we are still friends, colleagues, and professionals.
Well put. We all from time to time say (post) things here that are probably not "our best moment." I know I'm guilty of that, as are many others. But we don't go out and try to ruin the other guy's business in order to make our point! I don't want to investigate "dannysdad" or take legal action against him. What good can come out of that. But what choice does he leave me? In the real word if you throw stones at someone else's house, their lawyer is going to take a look at what glass house you live in. It may not be "nice" or "pretty" or "civil" but it beats the alternative of violence... which was how disputes were settled for the most part of human history.
"dannysdad" said that he reported me to the DOI. He has that right. But I have a right to defense... and to know who my accuser is and since he won't make himself public, what choice does he leave me? I have the right to explain to the DOI that this person might have "issues" that has motivated him to take the action he has. It goes to motive and to character of the plaintiff. I never finished law school but I remember enough from civil procedure and torts to know that much!
I honestly was surprised at his action because I didn't (and don't) believe I said anything (intentionally) to set him off. I read back over my responses to him and they sound to me as civil and rational.
Well, we'll see how this all plays out.
"dannysdad" (Tom?) if you read this... why not just retract your complaint (if that is possible?) and we can all just try our best to get along? You don't really want this hassle, and I don't want this hassle... we both have better things to do with our time.
If you want some kind of public apology, just say so and you can have it. Let's both of us "step back," cool down, and act like professionals. Please at least think about it.
Al
You crack me up. How many kids are there in this country named "Danny"? How many of them have dad's? You are laughable. I pray that you go after me and end up harassing the wrong guy. Then you could get sued.
You have no right to know who I am. Period. That's like saying that a bank robber has a right to know who called the police, who, in turn, caught him red handed. You should've stayed in law school for a few more days.
What's done is done. It can't be retracted. It would be like the caller calling the police back and saying I wish to erase the fact that I called you to report the bank robbery in progress.
Just so you know...the bank robber doesn't get to sue the caller for calling the police.
Last edited by dannysdad : 10-02-2008 at 01:32 PM.
They have good products. The Masterdex 10 has to be used in the right scenario. I had clients who made 18% 2 years ago on the S&P index because Allianz does not jack people around with changing caps like some companies I can name. When criticized about the 10 year payout, they retroactively changed the death benefit so that beneficiaries only had a 5 year payout. 10% bonus and indexing that actually tracks the market makes this a very good product to put an IRA into --again in the right situation.
The newer products give beneficiaries and annuitants more choices without forcing payouts. What is coming out next week is a simple interest income bucket accumulation which is indexed but with a guaranteed minimum of 12%. The heirs also get a guaranteed minimums, which is new. Oh, and by the way, once you start income it also goes up every year by your index (or fixed). However much your income goes up in a year is locked in and can't go backwards. You can turn income off and on so it is not an annuitization. I was given a preview of this in Minneapolis a few weeks ago and could go on for pages, but probably they would prefer I don't. This is something I would put my own money in.
By the way, I own a MasterDex 10 myself.
Allianz has made many changes for the better as a result of the onslaught of lawsuits and regulatory problems. If they have brought themselves to a higher standard then fine. I havent kept up with them as I shut the door on them and walked away.
As an aside, Allianz has a dirty history in Germany. Insuring Auschwitz, Dachau and engaged in all sorts of other filthy business with the Nazis. I dont think that it is necessary for any agent to object to them on that basis, but I choose to go elsewhere because as a company they simply are not clean enough for me and not sufficiently American.
The alcoholic thing makes sense. Based on what you have posted in this thread, you appear to be emotionally impaired.
You are quite good as a drama queen, but it grows old. Any desire to know your identity is not qed death threat.
Curious, what would your parents say about your action in this thread? Doubt their little bubbie made them proud.
Originally Posted by dannysdad
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You crack me up. How many kids are there in this country named "Danny"? How many of them have dad's? You are laughable. I pray that you go after me and end up harassing the wrong guy. Then you could get sued.
You have no right to know who I am. Period. That's like saying that a bank robber has a right to know who called the police, who, in turn, caught him red handed. You should've stayed in law school for a few more days.
What's done is done. It can't be retracted. It would be like the caller calling the police back and saying I wish to erase the fact that I called you to report the bank robbery in progress.
Just so you know...the bank robber doesn't get to sue the caller for calling the police.
Re: Question for annuity pros
Linear Mode
