Insurance Companies

10 reasons to vote no for OBAMA

1. Sanctity of Life: When asked when a baby is entitled to human rights Obama responded that the question was above his pay grade. Obama would recommend abortion for his daughters if they got pregnant because he wouldn’t want them to be “punished with a baby.”

2. Ratings: Obama is rated 0% by the The National Right to Life Committee. Obama is rated 100% by NARAL.

3. Legislation: Obama is against “conscience-clauses” for pro-life doctors who refuse to do abortions. Obama voted NO on notifying parents of minors who get out-of-state abortions. Obama voted NO on prohibiting minors crossing state lines for abortion.

4. Destructive Embryonic Stem Cell Research: Obama voted YES on expanding research to more embryonic stem cell lines. Obama supports the killing of human embryos to obtain their stem cells

5. Funding Abortion: Obama wants to force taxpayers (and insurance companies) to pay for abortions – supports legislation that would repeal the Hyde Amendment which protects pro-life citizens from having to pay for abortions that are not necessary to save the life of the mother and are not the result of rape or incest.

6. Partial Birth Abortion: Obama voted against banning the brutal practice of partial-birth abortion.

7. Born Alive Infant Protection Act: Barack Obama voted against and blocked legislation that would have protected infants who were born alive following an unsuccessful abortion (he took a leadership role to kill it). Then he misrepresented his record. Obama called Gianna Jessen, an abortion survivor, a despicable liar after being presented with the truth about his failure to protect babies born alive.

8. Freedom of Choice Act: Barack Obama co-sponsored and supports the Freedom of Choice Act (FOCA), a radical legislative attempt to enshrine abortion-on-demand into American law, to sweep aside existing laws that the majority of Americans support and to prevent states from enacting protective measures in the future (more here). Obama promises as his number one prior to sign FOCA into law. Estimates are that if Obama becomes President and signs FOCA it will lead to 125,000 more abortions each year.

9. Supreme Court: Obama vows to nominate Supreme Court justices that support Roe v Wade. Obama voted against the highly qualified Chief Justice John Roberts and Justice Samuel Alito.

10. Radical Pro-Abortion: Obama is the most pro-abortion Presidential candidate and rejects of the God-given intrinsic dignity of human life. Obama’s only Harvard Law Review article took a pro-abortion stance. A Barack Obama presidency combined with the Democratic majority in congress will significantly change the course of American history and set pro-life achievements back a generation.

its cuz he is black and i looove black people
they are so cooool

Because thats what it seems it seems that both the republicans and dems sold us out to the lobbyist. They have done little if any to help the American people out in anyway and help the corperation that put us into this mess in the first place. I think that a republican system would work if we totally revamp the party go back to the old was (Abraham Lincoln) which was Liberty, Patriotism,Family,Pride,Industry (translation global age) Piety, and Pluraism. Erase all the religion race, sexual oritation, and national origin difference and be more tolerant in working together in building a stronger and global force America. And have more unity within each other instead of the corperations. Now if these big insurance companies in anyway tries to screw us again buy layoff their lower half yet giving record setting ratings to people who don’t deserve it then we tax them not thousand or even1 or 2 millon but in the 50 to 100 million dollar range and the federal government will have to pay all the people who they screwd out of their life savings back with high rate intrest. I don’t know what do you guys think?

Unfortunately you can’t turn the clock back that easy.
USA became an Empire instead of a Republic about 50 or 60 years ago. Maybe even earlier. Transitions like this are hard to measure.

To go back to the Republic is a sure way to fail.
The thing is to accept that USA is imperial like the middle Roman Empire and figure out how to keep it together for the next 300 years.

The hardest trick is to keep the political power from becoming too concentrated.

This is the paper:

-Oprah’s Near Death Experience

I was in the monstrous audience of the Oprah show last year in December. It was a cold day because of the heavy snow storm. Oprah was reporting on cats and how they could be extinct. AIG the insurance company went bankrupt which acted like a chain reaction. This chain eventually led to cat food making companies. Oprah decided to donate millions of dollars to these businesses. The money she donated would be enough to get the businesses out of debt. Then she put sixty cats up on the stage to feed for everyone to see. What I noticed when the cats were being put up on the stage is Oprah seemed frightened. When it was commercial break I walked up to her dressing room. I asked her why she was afraid of cats. She said “I give off an odor that makes cats want to eat me.” I replied “why would you do a show on them.” Oprah said “because it’s the generosity that boosts my ratings.” It was complete chaos when we returned form commercial break. She was speaking about how we should all adopt a cat while her co-worker Bob accidently slipped and landed on the large box with cats in them. The box opened, pouring out with all of the cats. They jumped on her with their large claws ripping her apart like a Chihuahua fighting a Pit Bull. The audience was screaming and running around crazily. People ran out of the set violently only fending for them selves. Later, Oprah was brought to the hospital to get treatment for her scratches. She had to stay in the hospital overnight but the doctors said she would make a full recovery. Ten days later all her fans were surprised to her that she had died of leprosy.

That’s pretty funny.

or a high one? for an auto insurance company,

if small cars have higher ratings compared to larger cars,
what does that mean for the insurance company??

it generally means risk factor.
low is "good", high is "bad"
a vehicles rating takes into consideration a number of factors including: age and size – which are worked in with availabilty of parts/cost of parts, desirablity to thieves, how likely it is to get in a collision and the average cost of each collision.

for example Honda Civics are one of the most popular cars stolen in NA so it would be rated higher than say a Ford Taurus.

however if you are talking your own personal insurance rating – high is good, low is bad

I’m looking for renter’s insurance in Edmonton, Alberta, Canada and since I have never really had to deal with that, I’m at a complete loss as to who would be the best to look at. I have a modest 2-bdrm apartment that is very interesting in terms of the number of collectibles I have (lost count of how many Bradford Exchange plates I have, lol, plus collectible Barbies, some bought as early as 1999), plus the computer and my cochlea implant equipment…. so it’s understandable that I’m looking for insurance, especially in a building that was rumored to have been built in the 1950’s. Can anyone who lives in Canada, or Edmonton, Alberta, for that matter, recommend a good company? Especially one that’s not too finiky about credit ratings (mine seriously sucks due to an old student loan that vanished, meaning got shifted from one agency to another until I no longer know where the hell it is).

It depends on how you wish to proceed. Your best bet is to speak with several brokers and discuss your needs with them. Take a look in the Yellow Pages or see if any of your family/friends can recommend someone. Brokers will be able to shop among several companies for you and have extensive knowledge. Most major banks sell insurance as well, and you may be able to get a quote online. However the agents you speak to (if you speak with anyone at all if you do it online) only sell the bank’s product, and will have knowledge in the bank’s product and may or may not be able to answer more general questions. You may want to hold off this route until you become better informed. Keep in mind your deductible is likely to be $500, so you may want to discuss scheduling your more valuable collectibles. This will cost more, however the coverage is more broad plus either the deductible will not apply or a smaller deductible will apply.

Ok insurance experts. I need information by tomorrow. I have an "interview". Here is what I know. I believe it a marketing subsidiary of US Health Group which is underwritten by National Foundation Life which a subsidiary of Freedom Life in Texas. About 40 billion in "assets" and 3 billion in health insurance. Have been unable to find any rating information for any of the companies. Besides I have no idea who I will be working for. Security Health? So I assume it independent contractor multilevel marketing scam. Am I right?

That sounds about right.

I can give you tips on how to make the interview better for your yourself. Don’t act nerious. You put your hand on your lamp. You smile. No bright colors. Shake your head up and down to agree alittle. Look in their eyes when talking. Make hand shack firm hand shack not too weak.

Bring alot of stuff. Cover letter, Resume, Biography about yourself, References, Art statement if you get in that fleid. Dont forget recomendation letters, look from people you have worked with or been intwined with passed jobs. One thing in front your good at doing that is in the fled you apply’ed at. Put in a loose-leaf.

For an outstanding interview.
Enjoy tell me how it goes.

Also maybe you can see my questions asked too. Hope everything is well. Also how to the get on different levels? One this thing?
Also I have a group romanticdreamers@yahoogroups.com if your interested.

Good luck.
Marcey

Does anyone know where I can find reviews/ratings on countrywide insurance?
I cant seem to find anything but the countrywide site and I want to hear what real customers have to say about their experience with the company.
The only reviews I can find are on the loans, not the insurance.
Thanks in advance.
mbrcatz: then what is this site all about?

http://insurance.countrywide.com/pages/cishomepage.aspx?redirectpage=Homeowners_TheBasics

The mortgage is not through countrywide. I just want to know if they are reliable or not. Can ANYONE just answer that question?

Countrywide Financial Corporation, Countrywide Bank, FSB owns a subsidiary, Countrywide Insurance Services, Inc. Countrywide Insurance Services, Inc. is an independent insurance agency which is licensed to sell insurance in several states. They are an agency not a company. If you purchased insurance through them they would be acting as your agent and you would be insured by another "company". Therefore, you would have to check the ratings of the company they are offering to place your insurance with.

Even though they might be handling your mortgage, you are not required to purchase your insurance through them. There can also be cases where there are issues involving a claim where you will need your mortgage company to go to bat with your insurance company–do you think they will represent your best interests if they happen to handle both ends of the transaction? You can choose to purchase your insurance through another agent or company. Frankly in my personal opinion I would never purchase homeowners or any other type of insurance through my bank or my mortgage company. In fact part of our financial mess today is as a result of laws that were passed enabling the blurring of the lines between banks, investment houses and insurance.

My humble suggestion find a local independent agent in your neighborhood who will have no other interest in your account other than giving you good service.

I hope this helps. Good Luck!

Here is what caused the meltdown.

The problem was that Wall Street firms "bundled" piles of those crappy mortgages into big collective funds, which they could sell to unwitting investors.

They then convinced rating agencies to rate those funds at AAA levels, even though many were junk, thereby making it impossible for those investors to know what they were buying.

And then the big banks convinced insurance companies like AIG to cover any losses that might be incurred by the banks themselves if their funds tanked.

By the time they were done, the octopus of Wall Street had entangled every corner of the economy in the sub-prime debacle.

The problem, was that most of these investment mechanisms had no government regulation or oversight.

Those risky insurance maneuvers — unregulated. The crooked ratings system — unchecked.

And when the dance finally ended, taxpayers were forced to bail out these gangsters.

The worst part is that the con-men will do it again. Why? Because the bonus system still in place incentivizes risky, short-term profits.

There was not a single top executive culpable for the meltdown who didn’t walk away rich.

What we need now is a major overhaul, one that offers clear oversight and regulation, while providing transparency for investors.

We need to break up the big banks, so that their size and the complexity of their portfolios don’t transform them into lumbering elephants.

We also need to develop a new class of regulators, educated well enough to understand the complicated mechanisms they’re policing.

If anything, the big mistake made by politicians was scrapping systems of oversight and regulation created after the Great Depression.

That’s an error we have to reverse.

But the Bush and Obama administrations got one bipartisan thing right:

They agreed that many of these banks were too big too fail. They propped them up, and prevented another Great Depression.

The politicians on both sides of the aisle were the good guys. But their jobs is only half done.

By rebuilding some of the regulatory muscle stripped away over the last fifteen years, we can also rebuild a sound and stable capitalist economy.

Let me tell you that regulated capitalism is a good thing. I totally agree that to prevent another crisis like this, there needs to be a lot of regulation in place but it’s not that simple.

Let’s talk about a tool called credit default swaps. Credit default swaps are basically insurance against default on a debt. The buyer of the contract pays annual payments to the seller who will pay money to the buyer if the issuer of the credit agreement defaults. Credit default swaps are useful as a hedge. If an investor buys a corporate bond, he or she can hedge against default risk by buying a credit default swap. However, an investor does not have to own the bond to buy the swap but rather, he or she can simply buy the credit default swap and bet on the possibility of the company failing because they will get money if the company fails. This speculation is not good in the long run because it makes it more expensive to borrow money, but still, speculation helps provide some short-term liquidity in the market, so if speculation is banned, there is the risk of losing that source of short-term liquidity.

I don’t know if you have heard the news but Lehman Brothers, which was among the first in a long line of bank failures, tried to use an obscure accounting principle to hide the level of debt from its balance sheet. This practice ought to be banned. Investors ought to know what they are getting into and companies should not be allowed to be able to dress up their balance sheets.

Also, there should be a minimum down payment requirement on mortgages. In addition, the Fed should take a more active role in preventing bubbles from starting in the first place. If that means that interes rates have to go up, that has to happen. What people don’t realize is that bubbles aren’t great in the long run because when the value of the asset falls, it falls hard.

I decided to watch him after the speech/press conference last night. He started off not being ridiculous, but still being unreasonable. He made 5 points against Obama, then took a small concession in order to not be biased. Shortly after, he has the black guy PHD from Columbia on with him, and he starts saying OBama didnt say this or didnt say that, but Obama did say those things. O’Reilly kept saying how bad it will be to have our medical records in a data bank in DC, yet our medical records are already in insurance data banks, and the DC data bank will simply be a new insurance company, so nothing changes as far as the invasion of privacy. O’Reilly, even after the PHD from Columbia restated exactly what I said 10 seconds before hand, continued to talk about how bad that will be. It isnt an issue, any rational person can see that, but O’Reilly is spinning it out of control to fuel the angry mobs that STILL do not think Obama was born in the U.S.A., probably fueled by deep-seated racism.

I wouldn’t go as far as Future but I would agree that O’Reilly isn’t as bad as Hannity or Rush – he’s more like Shep Smith, who every now and then (by that I mean rarely) will have a moment of rational non-partisan thought. Then it’s back to the close-mindedness.

What I really don’t get is how people can listen to O’Reilly and Hannity, even if they agree with them, because they are the rudest people on TV. They invite a guest on and then accuse them of saying this or believing that without giving them a chance to respond.

I was so excited and relieved when I got this job because I’ve been jobless living with my fiance` for a few months now. It was so stressful. Now I am beginning to worry as to if this company is legit.
Their website:

Libnat.com

They say that they have amazing ratings from numerous insurance rating companies and are in the top 2 percent of the nation’s insurance companies, yet I never see them on any list of top insurance companies in America. Also the website is rather low budget. I’m not sure if I trust this company completely just yet.

Liberty National is rated A+ (Superior) by AM Best, so it’s definitely a legitimate and reasonably strong company. Do keep in mind that you’re not starting a job; you’re starting a business, and an extremely challenging one at that. New agents can expect to work 60+ hours per week for at least three years, before building one’s business to the point that it is viable. Only about 4% last the first year.

If you are successful, few careers could be more rewarding. Good luck and God bless!