Saturday, February 23, 2008

McCain Can't Remember?

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Per the Washington Post:

"McCain attorney Robert S. Bennett played down the contradiction between the campaign's written answer and Paxson's recollection.

"We understood that he [McCain] did not speak directly with him [Paxson]. Now it appears he did speak to him. What is the difference?" Bennett said"

Two questions immediately spring to mind:

1) Does this mean that it might appear that McCain did have improper relations with Iseman?

and

2) Does this slip of the memory suggest that McCain might be suffering from memory loss?

Pfffft, what is the difference.... You know very well what the difference is, and if you don't, Mr. Robert S. Bennett, your mom didn't teach you very well.

 
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Energy within Companies

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Well, I found out earlier this week another one has left my previous company.

Why am I not surprised?

I've been paying attention to energies within companies and my last job, the energy there sagged and sagged. I think it had a lot to do with the fact that the owner didn't really care anymore and we had this one guy that went around telling everyone, "Why are you working on that? You know it's just a big game and no one's going to care whether you did it or not."

It's really hard to work up any enthusiasm when someone is telling you what you're doing is a huge waste of time.

The new company I'm with, has a MUCH different energy. When the boss is there, the energy's kind of crackling because my boss has so much excess energy it charges the air. To be honest, we all breathe easier when he's out of the office. We get a chance to relax a tad. Given that the boss is so dedicated, can he expect less from his employees? My old boss would go away on vacations five times a year, for weeks at a time!

Yes, there are days where I come home feeling beat up from my job, but right now, at least I'm fighting a good fight. Unlike last time where I was just getting beat up for nothing but money. No wonder I felt drained.

 
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Beating Up on Insurers

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So, one of the new things I'm truly enjoying about working for an insurance agent is getting to beat up on nasty empires on behalf of the people.

Right now, there's a spat of instances where one insurer offers dental insurance through another company, but when you sign up for it, there's an apparent disconnect between the two companies because the other company keeps denying claims and says those people aren't insured! Unbelievable eh?

I must say, it's quite satisfying, especially on PMS days.

 
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Thursday, February 14, 2008

Desperate Times

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Apparently health insurance carriers are feeling the pinch of the tightening economy.

Get this. A person wasn't sure whether she could get on her husband's insurance after she went on leave at work, so she applied for Cal-COBRA. Well, she finally found out that she could late in the month and so over 30 days had passed when she contacted the carrier of her Cal-COBRA that she didn't need it after all, thank you very much.

She was being a conscientious consumer.

Well, this insurance company is saying that if she doesn't pay for the month, that they'll send her to collections.

Knowing that Federal COBRA means that you have 60 days to elect, then from the date of election, you have 45 days to pay and if you do not pay, you simply don't have coverage instead of owing money, I asked what would've happened to the woman had she NOT informed them of her choice, and simply didn't pay. The answer? Nothing.

She is being punished for being conscientious, and had she just been a slacker and just didn't bother to inform nor to pay, there'd be no repercussions.

Think health insurance carriers are getting so desperate they have to get this poor woman to pay premiums for double coverage. The system is collapsing in on itself as the economy worsens.

 
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Thursday, February 07, 2008

Getting a License

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So, I'm in school this week to get a license from the State of California to sell life and health insurance. Part of my new job, y'see. No, I'm not going to be selling life insurance, I'm just working for a broker who specializes in health so I need a license to do part of my job.

These types of schools are interesting. Our instructor is a wannabe standup comedian and it's perfect for him; he's got a captive audience for 6 days.

The interesting thing about this class is how much they DON'T talk about the catches. I mean, life insurance is a good investment IF you are of a certain personality type (something like Bratworse or my sister) who has never missed a payment in their lives if they can help it. But the majority of people out there aren't like them and y'know, shit happens. All you have to do to lose years of investment in life insurance is, miss more than a month's payment.

That's it.

How easy is that to do, huh? Think about it. It's near due date and the one you love gets into an auto accident... or there's a wedding soon in your family. Things get hectic and whoops, it's been 32 days since your payment was due. Sorry, you just lost 15 years of paying $50 a month.

But one part of the insurance business has caught my eye. If I had tons of money, I think I would go into buying out people's life insurance. Supposedly, that's how Warren Buffet got his start. Ah, if only I was enamored of money.

 
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Only in the Bay Area

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I'll take a photo later but this is the sign I saw outside a bank today:

"Please ASK your pet to remain outside unless he or she is a seeing eye guide."

Umm whatever happened to telling your pet or calling an animal "it"???

Only in the Bay Area.

 
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