Supreme Court ingame decision thread

[MonkeyF0cker]

Since you didn't specifically clarify, I'll assume you're talking about medical insurance. Are you talking about individual medical insurance, small group or large group coverage as all 3 are structured differently.

Which one would you like to be educated on? If you really don't care and posted back just to make an ass out of yourself (which you do quite often), then just say so I don't waste my time.

If you're considering buying medical insurance and want to make a more educated decision, I'll take the time to help you even though you really don't deserve my assistance. That's right, you know my answer and suffice it to say, I sure wouldn't trade places with you.

Uhh. My analogy applies to ANY kind of insurance. Insurance is a reverse loan for something that MIGHT happen. Pure and simple. It prays on people's fear. Just like you try to do everyday on here. If you'd like to refute that, go ahead.

You have no idea what I do or how much money I make. So when you say that you wouldn't trade places with me, I just laugh at your ignorance.

[DwightShrute]

I didn't make excuses. That's what happened. My superiors lied every day to make a sale. I didn't feel like being a scumbag forever.

too bad. My experience is the exact opposite. We sold based on teh clients needs not what earned more commission. Ya there were some other salesmen at other places that weren't as ethical but they never lasted long. I am sure there were some at out company also but there are good and bad people in all sorts of businesses and well as good and bad businesses. It starts from the top.

[Cougar Bait]

Dwight I understand not every insurance salesman is a scumbag, that's just my experience

[PAULYPOKER]

Insurance companies is just a ridiculously expensive middleman between the product and consumer who contributes nothing but takes anything he can get his greedy hands on........

In other words legally stealing.........

[MonkeyF0cker]

Yeah. But what if [insert fear here] happens, Pauly?

Oh. You'll be covered!!!

That's okay. We'll still make money if it actually does happen.

[andywend]

Didn't see you add this. I love how you ALWAYS over-generalize and insult other people. Not just ANYONE could sell fukking insurance. LOL.

Anyone can get an insurance license by passing a relatively simple exam though you probably wouldn't even make it that far.

I didn't make excuses. That's what happened. My superiors lied every day to make a sale. I didn't feel like being a scumbag forever. You dont't know me. I do very well. I make a lot more than moast people my age. Now go suck Romney's dick you pink tie bitch.

However, most people who try to do it FAIL just like Cougar Bait did and then they blame the insurance business for their failure instead of blaming themselves (most liberal democrats have this habit).

[MonkeyF0cker]

Anyone can get an insurance license by passing a relatively simple exam though you probably wouldn't even make it that far.

You're right. I wouldn't make it that far. I'd shoot myself first.

[andywend]

Uhh. My analogy applies to ANY kind of insurance. Insurance is a reverse loan for something that MIGHT happen. Pure and simple. It prays on people's fear. Just like you try to do everyday on here. If you'd like to refute that, go ahead.

You have no idea what I do or how much money I make. So when you say that you wouldn't trade places with me, I just laugh at your ignorance.

Monkey, you are a miserable, bitter individual and I wouldn't trade places with you even if you had Bill Gates kind of wealth.

Your analogy regarding insurance is flawed and I have the gut feeling FAILURE follows you around like a shadow.

Your misery is sure to continue.

[andywend]

Insurance companies is just a ridiculously expensive middleman between the product and consumer who contributes nothing but takes anything he can get his greedy hands on........

In other words legally stealing.........

Pauly, it doesn't matter what the subject matter is, you pass yourself off as an expert on everything. Its really quite comical.

[MonkeyF0cker]

Monkey, you are a miserable, bitter individual and I wouldn't trade places with you even if you had Bill Gates kind of wealth.

Your analogy regarding insurance is flawed and I have the gut feeling FAILURE follows you around like a shadow.

Your misery is sure to continue.

Yep. It's flawed. But you can't come up with one reason why it is.

I'm bitter? LOL. You've insulted how many people in this thread? I thrive off of idiots like you. I love watching you make an absolute fool of yourself with your brand of mind-fukked arrogance. That's all you EVER do here.

[King Mayan]

Andy calling monkey bitter???

Andy calling cougar a liberal??


ONLY ANDY..

[MonkeyF0cker]

...

[DwightShrute]

OMG. Dwight AND Andy are insurance salesmen. LOL.



That should be a sig. "OMG I'm so glad your loved one died so that I could hand you a check!" LMAO.

GTFOH.

really? That's your reply? Like I said, that was over a decade ago for me. BTW, that guy that was killed was the husband of a girl that I knew from high school. $250K might not seem like a lot but it saved that family.

On to different things now. You know anyone that died or became disabled? I don't know the laws in the US but in Canada if you get disabled the government pays you 75% on your income for 2 years max. And its taxable income. I insured a dentist once and he broke his back skiing and because he purchased disability insurance from me, he got 100% of his income till 65 if he needed. Tax free income to boot. After 5 years he was better but could never practice dentistry again. The key man insurance his practice took out on him and his partners also allowed a lump sum payout to the remaining partners. So I helped save a business and ensured he and his family were financially taken care of. There are hundreds of stories like that every year. The sad ones are the ones that didn't plan for the worst.

[Cougar Bait]

However, most people who try to do it FAIL just like Cougar Bait did and then they blame the insurance business for their failure instead of blaming themselves (most liberal democrats have this habit).

A) I didn't fail, I did quite well. Didn't make as much money as I do now but I did well, working only about 40 hours a week. Wasn't working for the right people apparently, and I had ethical issues about how they made their money.
B) I am not a liberal democrat.
C) When you normally engage in conversations online do you usually just make shit up as you go? Because it comes off as really pathetic.

[PAULYPOKER]

Pauly, it doesn't matter what the subject matter is, you pass yourself off as an expert on everything. Its really quite comical.

This is common sense here,nothing complicated about it, what do insurance companies offer?and don't say a service......

[andywend]

You don't think that insurance is a scam? It's a for-profit industry that pays your bills with money UPFRONT. It's a reverse loan with ridiculous interest. Then, when you do have a claim, they do their best not to "cover" you for certain things.

Once you're approved for individual medical insurance, it spells out EXACTLY what is covered and what is NOT. The policy tells you which procedures require special authorization and which ones do NOT. Every possible procedure you can think of is clearly defined as to the coverage, deductibles and co-payments.

You'll hear liberal democrats spout off about medical insurance companies trying to get out of paying for certain things but its pure BULLSHIT.

You're whining about medical insurance companies getting money UPFRONT? What exactly are they supposed to do? Cover you for nothing upfront and then agree to pay $500,000 in the event of a major hospital stay?

The reason medical insurance premiums keep rising is due to a greater and greater number of liberal democrat deadbeats refusing to pay for the medical services they consume. Hospitals and Doctors have no choice but to pass all of these costs onto patients with insurance.

All medical insurance policies should have MINIMUM deductibles of $10,000 or more annually as minor medical visits should be handled on a cash for service basis.

I am through wasting any more of my time on you Monkey. Don't bother to respond back.

[PAULYPOKER]

However, most people who try to do it FAIL just like Cougar Bait did and then they blame the insurance business for their failure instead of blaming themselves (most liberal democrats have this habit).

No, I would say it is more in the lines of having a conscience.............

[KingJD31]

[MonkeyF0cker]

really? That's your reply? Like I said, that was over a decade ago for me. BTW, that guy that was killed was the husband of a girl that I knew from high school. $250K might not seem like a lot but it saved that family.

On to different things now. You know anyone that died or became disabled? I don't know the laws in the US but in Canada if you get disabled the government pays you 75% on your income for 2 years max. And its taxable income. I insured a dentist once and he broke his back skiing and because he purchased disability insurance from me, he got 100% of his income till 65 if he needed. Tax free income to boot. After 5 years he was better but could never practice dentistry again. The key man insurance his practice took out on him and his partners also allowed a lump sum payout to the remaining partners. So I helped save a business and ensured he and his family were financially taken care of. There are hundreds of stories like that every year. The sad ones are the ones that didn't plan for the worst.

Our government does nothing of the sort unless you got injured at work. The insurance companies make many of the laws here. Just ask Andy how much he'd like the government paying people's salaries for two years.

Yeah. You're giving me stories of how insurance helped a few people. Great. The fact of the matter is that insurance companies make money. How do they do that? By overcharging beyond the probability of an event like that actually occurring in someone's life. And for every story that you bring up about it helping someone, I can bring up an example of an insurance company fukking over its client when they needed to use the policy that they paid for.

[andywend]

A) I didn't fail, I did quite well. Didn't make as much money as I do now but I did well, working only about 40 hours a week. Wasn't working for the right people apparently, and I had ethical issues about how they made their money.
B) I am not a liberal democrat.
C) When you normally engage in conversations online do you usually just make shit up as you go? Because it comes off as really pathetic.

In all professions, there are good and bad. If you were working with dishonest agents, then I don't blame you for leaving.

I assumed you're a liberal democrat after your Mitt Romney comment (for the record, I am no fan of Romney who is your typical wishy-washy republican that has wrecked the GOP)

There are plenty of people who act like they know everything when in truth they know very little. I am NOT one of those people.

I call it like I see it and if people don't like it, WHO CARES!!!

[MonkeyF0cker]

Once you're approved for individual medical insurance, it spells out EXACTLY what is covered and what is NOT. The policy tells you which procedures require special authorization and which ones do NOT. Every possible procedure you can think of is clearly defined as to the coverage, deductibles and co-payments.

You'll hear liberal democrats spout off about medical insurance companies trying to get out of paying for certain things but its pure BULLSHIT.

Yeah. Umm. It's NOT A CONTRACT. Policies change and I've PERSONALLY had to fight insurance companies on unfair settlement offers for a car accident that was their client's fault. Nice try.

You're whining about medical insurance companies getting money UPFRONT? What exactly are they supposed to do? Cover you for nothing upfront and then agree to pay $500,000 in the event of a major hospital stay?

They're not supposed to exist in the first place.

The reason medical insurance premiums keep rising is due to a greater and greater number of liberal democrat deadbeats refusing to pay for the medical services they consume. Hospitals and Doctors have no choice but to pass all of these costs onto patients with insurance.

Yeah. I don't think I said anything about premiums rising. But it doesn't matter because insurance companies make money no matter what price is passed to the consumer.

All medical insurance policies should have MINIMUM deductibles of $10,000 or more annually as minor medical visits should be handled on a cash for service basis.

Yeah. You're a smart businessman. You'd have a TON of business then. LMAO. It's a good thing insurance salesmen don't have to think much.

I am through wasting any more of my time on you Monkey. Don't bother to respond back.

Oops.

[Cougar Bait]

In all professions, there are good and bad. If you were working with dishonest agents, then I don't blame you for leaving.

I assumed you're a liberal democrat after your Mitt Romney comment (for the record, I am no fan of Romney who is your typical wishy-washy republican that has wrecked the GOP)

There are plenty of people who act like they know everything when in truth they know very little. I am NOT one of those people.

I call it like I see it and if people don't like it, WHO CARES!!!

Okay all points noted but all the things you previously stated were complete fabrications. Just saying, you sound like a dick. The GOP would do better this time around with a hard ass like Scott Walker but the GOP has no balls. Romney dolling out green cards for people that earn a degree while living on tax payer dollars wow yeah that's conservative

[andywend]

really? That's your reply? Like I said, that was over a decade ago for me. BTW, that guy that was killed was the husband of a girl that I knew from high school. $250K might not seem like a lot but it saved that family.

On to different things now. You know anyone that died or became disabled? I don't know the laws in the US but in Canada if you get disabled the government pays you 75% on your income for 2 years max. And its taxable income. I insured a dentist once and he broke his back skiing and because he purchased disability insurance from me, he got 100% of his income till 65 if he needed. Tax free income to boot. After 5 years he was better but could never practice dentistry again. The key man insurance his practice took out on him and his partners also allowed a lump sum payout to the remaining partners. So I helped save a business and ensured he and his family were financially taken care of. There are hundreds of stories like that every year. The sad ones are the ones that didn't plan for the worst.

Its always easy to determine the political affiliation of people based on their postings and I would automatically know you're a conservative by your positive attitude.

Unfortunately, this forum is stuffed with liberals and I don't know why I waste my time with them. I have to stop doing that going forward.

Another great post from you.

[MonkeyF0cker]

Its always easy to determine the political affiliation of people based on their postings and I would automatically know you're a conservative by your positive attitude.

Unfortunately, this forum is stuffed with liberals and I don't know why I waste my time with them. I have to stop doing that going forward.

Another great post from you.

Exactly. You're SO CHEERY!!!!

LMAO.

Holy fukk. Do you ever hear yourself?

[Cougar Bait]

Its always easy to determine the political affiliation of people based on their postings and I would automatically know you're a conservative by your positive attitude.

Unfortunately, this forum is stuffed with liberals and I don't know why I waste my time with them. I have to stop doing that going forward.

Another great post from you.

Can you do everyone a favor and say "liberal democrat" in a few more posts? I don't think we know where you are coming from yet.

Honestly, we need you to say it at least 20 more times tonight.

[MonkeyF0cker]

If insurance was a business always on the up and up, there wouldn't be THOUSANDS of lawyers that make their living almost entirely off of suing insurance companies every day.

[andywend]

Can you do everyone a favor and say "liberal democrat" in a few more posts? I don't think we know where you are coming from yet.

Honestly, we need you to say it at least 20 more times tonight.

No problem:
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat

Happy now?

[ChalkyDog]

This forum is full of conservatives. One of the most conservative forums I have ever come across - that isn't political in nature.

Reminds me when people in this country think the media is liberal.

[andywend]

If insurance was a business always on the up and up, there wouldn't be THOUSANDS of lawyers that make their living almost entirely off of suing insurance companies every day.

I made it clear I don't sell property/casualty insurance so I can't comment as to the integrity of companies that offer that type of insurance coverage.

The term "always on the up and up" and trial lawyers should NEVER be in the same sentence.

[MonkeyF0cker]

No problem:
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat
Liberal democrat

Happy now?

Wow, Cougar.

Andy just went through 3 different posts in the same post THAT I SAW.

First, he was saying how he misjudged you and that all Republicans used to be like Scott Walker. Then, he responded to your last post by saying that he doesn't care what anyone on the forum thinks and if you don't like it to put him on ignore. Then, he ended with the list of "Liberal democrat."

Psychotic much? LOL.

[opie1988]

This forum is full of conservatives. One of the most conservative forums I have ever come across - that isn't political in nature.

Reminds me when people in this country think the media is liberal.

It's a sports gambling forum. I would imagine most diehard sports fans lean toward conservative beliefs.

It also probably helps that the owner is a upstanding Conservative Republican. He tends to set the tone. Most of your liberal democrats most likely end up choosing to post elsewhere.

Nice to have options.

[PAULYPOKER]

[King Mayan]

This forum is full of conservatives. One of the most conservative forums I have ever come across - that isn't political in nature.

Reminds me when people in this country think the media is liberal.

Disgruntled degenarates usually hate other people..

God and Jesus will not approve.. Hell is awful..

[andywend]

Exactly. You're SO CHEERY!!!!

LMAO.

Holy fukk. Do you ever hear yourself?

If you spew vinegar, you're not going to get sugar in return.

[ChalkyDog]

It's a sports gambling forum. I would imagine most diehard sports fans lean toward conservative beliefs.

It also probably helps that the owner is a upstanding Conservative Republican. He tends to set the tone. Most of your liberal democrats most likely end up choosing to post elsewhere.

Nice to have options.

It takes a while to get used to hearing so much wrong. After a while, you get used to it. Living in Arizona for so much time has taught me that misinformed people, will remain misinformed.

As a result, I enjoy this forum.