First  Prev  1  2  3  4  5  Next  Last
Nearly 95% of all new jobs during Obama era were part-time, or contract
15299 cr points
Send Message: Send PM GB Post
Offline
Posted 12/24/16

Xxanthar wrote:


Silentveil wrote:



(Insurance is something you are suppose to get when you don't need it)

Which is the same as saying ....you pay for something you don't use.

Better yet, when you use it ...they charge you for using it. They call that a deductible, and if you don't exceed your deductible ...you pay it all out of pocket. Insurance simply pick up the bill if it becomes too much for you to pay, so in other words, you are still paying for something you don't use or you only use in the extreme cases. Which is ....sick people or when you actually become really sick. The same people, they don't want ...because then they will use their services.

Now let me throw a little twist here...if you start to use it constantly even if you have been paying it forever, they will go up on the price. So, they reward people for not using it, and punish people for using it ...no matter how long you have been paying into the company.


Let me give you something better, if you use it too much ...they had a claus to actually drop you. Which is the drunk drive ..situation. My case, I had my home broken into four times in the same year, insurance on the home had been paid for 24 years without any hesitation or problem. They sent me a letter telling me they will have a committee meeting to decide if they want to still insure me based on that fact. Once more, punish because it's being used, I just got lucky they caught the robbers that same month otherwise .....I would have more first hand knowledge of the uselessness of insurance.

Another 11 years later ....no problems, and I pay consistently. They go up on the deductible after my area was hit by a tornado and had wind storms ...so, they don't want you to use it, but they want to charge you every month for it. I got lucky, I only lost a fence, and few shingles, but they fought like hell over those improvements. This is considering the price of your home does down over time, but, insurance never drops no matter what.

Even with the bigger pool of sick people, how many years have those companies run where the sick people weren't there and what type of profit had they been making. If they have profit margins that is unattainable when done correctly ...and it's not going to break their business why do you blame ...other people for their corruptness or better yet, want them to continue to get away with it. My demand would be to set a set price rate, not worry because the poor overpaid company won't remain over paid.

They have you believing that it's okay ....to fleece you, and you actually defend them on that right.



This is how insurance works. Anything else is not insurance. Try being 80 years old and getting some regular life insurance.



Life insurance isn't supposed to cover natural causes, its to give your family money in case the primary bread winner gets into an accident, so that the family isn't totally screwed. Even if you buy life insurance before your old, it gets reduced as you age.

568 cr points
Send Message: Send PM GB Post
35
Offline
Posted 12/24/16

Kilborn666 wrote:


Xxanthar wrote:


Silentveil wrote:



(Insurance is something you are suppose to get when you don't need it)

Which is the same as saying ....you pay for something you don't use.

Better yet, when you use it ...they charge you for using it. They call that a deductible, and if you don't exceed your deductible ...you pay it all out of pocket. Insurance simply pick up the bill if it becomes too much for you to pay, so in other words, you are still paying for something you don't use or you only use in the extreme cases. Which is ....sick people or when you actually become really sick. The same people, they don't want ...because then they will use their services.

Now let me throw a little twist here...if you start to use it constantly even if you have been paying it forever, they will go up on the price. So, they reward people for not using it, and punish people for using it ...no matter how long you have been paying into the company.


Let me give you something better, if you use it too much ...they had a claus to actually drop you. Which is the drunk drive ..situation. My case, I had my home broken into four times in the same year, insurance on the home had been paid for 24 years without any hesitation or problem. They sent me a letter telling me they will have a committee meeting to decide if they want to still insure me based on that fact. Once more, punish because it's being used, I just got lucky they caught the robbers that same month otherwise .....I would have more first hand knowledge of the uselessness of insurance.

Another 11 years later ....no problems, and I pay consistently. They go up on the deductible after my area was hit by a tornado and had wind storms ...so, they don't want you to use it, but they want to charge you every month for it. I got lucky, I only lost a fence, and few shingles, but they fought like hell over those improvements. This is considering the price of your home does down over time, but, insurance never drops no matter what.

Even with the bigger pool of sick people, how many years have those companies run where the sick people weren't there and what type of profit had they been making. If they have profit margins that is unattainable when done correctly ...and it's not going to break their business why do you blame ...other people for their corruptness or better yet, want them to continue to get away with it. My demand would be to set a set price rate, not worry because the poor overpaid company won't remain over paid.

They have you believing that it's okay ....to fleece you, and you actually defend them on that right.



This is how insurance works. Anything else is not insurance. Try being 80 years old and getting some regular life insurance.



Life insurance isn't supposed to cover natural causes, its to give your family money in case the primary bread winner gets into an accident, so that the family isn't totally screwed. Even if you buy life insurance before your old, it gets reduced as you age.



Ummm....you have never bought life insurance, because what you are talking about doesn't make sense.

Life insurance covers ...natural causes, they don't cover ...non-natural causes like suicide.

You don't get money for an accidents if you live, that is accidental insurance, which is different from life insurance. It can be a claus onto life insurance, but you tend to pay more and it's called accidental insurance and can be dropped at anytime. The price you pay for insurance doesn't change, that is how much they have to pay you. Which is why they will buy regular life insurance from you, because term can be dropped at the end and negotiated for a different price and payment plan depending on your age. Regular(Whole) life insurance is for however long you live.
15299 cr points
Send Message: Send PM GB Post
Offline
Posted 12/24/16

Silentveil wrote:


Kilborn666 wrote:


Xxanthar wrote:


Silentveil wrote:



(Insurance is something you are suppose to get when you don't need it)

Which is the same as saying ....you pay for something you don't use.

Better yet, when you use it ...they charge you for using it. They call that a deductible, and if you don't exceed your deductible ...you pay it all out of pocket. Insurance simply pick up the bill if it becomes too much for you to pay, so in other words, you are still paying for something you don't use or you only use in the extreme cases. Which is ....sick people or when you actually become really sick. The same people, they don't want ...because then they will use their services.

Now let me throw a little twist here...if you start to use it constantly even if you have been paying it forever, they will go up on the price. So, they reward people for not using it, and punish people for using it ...no matter how long you have been paying into the company.


Let me give you something better, if you use it too much ...they had a claus to actually drop you. Which is the drunk drive ..situation. My case, I had my home broken into four times in the same year, insurance on the home had been paid for 24 years without any hesitation or problem. They sent me a letter telling me they will have a committee meeting to decide if they want to still insure me based on that fact. Once more, punish because it's being used, I just got lucky they caught the robbers that same month otherwise .....I would have more first hand knowledge of the uselessness of insurance.

Another 11 years later ....no problems, and I pay consistently. They go up on the deductible after my area was hit by a tornado and had wind storms ...so, they don't want you to use it, but they want to charge you every month for it. I got lucky, I only lost a fence, and few shingles, but they fought like hell over those improvements. This is considering the price of your home does down over time, but, insurance never drops no matter what.

Even with the bigger pool of sick people, how many years have those companies run where the sick people weren't there and what type of profit had they been making. If they have profit margins that is unattainable when done correctly ...and it's not going to break their business why do you blame ...other people for their corruptness or better yet, want them to continue to get away with it. My demand would be to set a set price rate, not worry because the poor overpaid company won't remain over paid.

They have you believing that it's okay ....to fleece you, and you actually defend them on that right.



This is how insurance works. Anything else is not insurance. Try being 80 years old and getting some regular life insurance.



Life insurance isn't supposed to cover natural causes, its to give your family money in case the primary bread winner gets into an accident, so that the family isn't totally screwed. Even if you buy life insurance before your old, it gets reduced as you age.



Ummm....you have never bought life insurance, because what you are talking about doesn't make sense.

Life insurance covers ...natural causes, they don't cover ...non-natural causes like suicide.

You don't get money for an accidents if you live, that is accidental insurance, which is different from life insurance. It can be a claus onto life insurance, but you tend to pay more and it's called accidental insurance and can be dropped at anytime. The price you pay for insurance doesn't change, that is how much they have to pay you. Which is why they will buy regular life insurance from you, because term can be dropped at the end and negotiated for a different price and payment plan depending on your age. Regular(Whole) life insurance is for however long you live.


I'm sorry, I mean't to say a fatal accident. However you read the small print it will usually point out that the amount it covers goes down at certain ages like 60 65 70.

Posted 12/24/16
To drive down costs they should make it so veterinarians can treat people.
18866 cr points
Send Message: Send PM GB Post
34 / M / outer wall, level...
Offline
Posted 12/24/16
full time workers cost more. dont blame obama. blame the companies.
Posted 12/24/16

nemoskull wrote:

full time workers cost more. dont blame obama. blame the companies.


I blame Obama. Sue me.

qwueri 
23470 cr points
Send Message: Send PM GB Post
32 / M / TN
Online
Posted 12/24/16
18866 cr points
Send Message: Send PM GB Post
34 / M / outer wall, level...
Offline
Posted 12/24/16

Xxanthar wrote:


nemoskull wrote:

full time workers cost more. dont blame obama. blame the companies.


I blame Obama. Sue me.



if i was trump, i might actually sue you. lol.
568 cr points
Send Message: Send PM GB Post
35
Offline
Posted 12/25/16

Xxanthar wrote:


nemoskull wrote:

full time workers cost more. dont blame obama. blame the companies.


I blame Obama. Sue me.



Its always easy to blame ...anyone can do it, and it cost you nothing, but not everyone can take responsibility and make strives to fix the problems in their own lives. Why, because it's hard, and it requires sacrifice.

NO one likes hard work or sacrifice ...so I understand.
18395 cr points
Send Message: Send PM GB Post
26 / Mexico
Offline
Posted 12/26/16
This is a global tendency,

aroobaito, aroobaito everywhere
15981 cr points
Send Message: Send PM GB Post
Online
Posted 12/26/16 , edited 12/26/16
If only people realized that governments don't create jobs, people create jobs.
119234 cr points
Send Message: Send PM GB Post
F / Boston-ish
Offline
Posted 12/23/17
Year-end cleanup. Closing threads with no new posts since 12/31/2016.
First  Prev  1  2  3  4  5  Next  Last
You must be logged in to post.