Tom,

Your rhetorical questions sound like Hill & Bill, ObamaManCan or McCain't.

Tom, when did you stop beating your wife?
If not, why are you still beating your wife?
If so, why did you start beating your wife?

I'm not sure if you are aware but there are a lot more uses for life insurance than just "a young couple with a new born baby looking to purchase insurance."

....and if you must know, "a young couple with a new born baby looking to purchase insurance" is NOT my target market.

I rarely see a client with less than $500,000 net worth or one who is under age 50.

Best regards,

__________________
Gary Spicuzza, *SAFE
Copyright 1956
No Rights Reserved
*Self Appointed Financial Expert

Gary,
What a rambling bunch of bs. You are punch drunk and on the ropes, unble to answer a simple question, responding only with obfuscation. Answer my question, if a young couple came to you and wanted to buy life insurance, would you explain to them their SS benefits? Or try this question, over the last 10 years have you ever explained to any of your clients their SS life insurance benefits? Pease answer these questions, they are real and not rhetorical. I have schooled you in your own class room, established the difference between posturing and true professionalism, taken the weary old mare (that's right, mare) to the glue factory. Here's some advice, take the weekend off, catch a breather on the lazy-boy, and rest up a litte before you try to keep up with me on Monday. Ciao bella.

Gary,
At least you are obedient, I have to give you credit. Hopefully, after the weekend break you are now more coherent and can try to more honestly engage in our thread. But please don't over exert yourself.

Calling out Tom Chase:

Tom, which financial services/insurance cult are you a member?

Cult #1, #2 or #3?

See THIS link.

__________________
Gary Spicuzza, *SAFE
Copyright 1956
No Rights Reserved
*Self Appointed Financial Expert

I'm a member of the cult of David Swenson, the investment manager for the Yale University endowment and author of Unconventional Success, which is a guide to personal financial investment and planning. Personal investment planning is littered with landmines for the unwary, only three of which are the cults you mention. The soundest course for most people is to invest in and rebalance a diversified equity oriented portfolio of low cost index funds and to avoid the excessive and often poorly disclosed fees charged by many brokers/financial advisors. I am also a member of the John Bogle and Vanguard cults, so whatever you do Gary please don't take Lord Bogle's name in vain or attack the Church of Vanguard.

Tom Chase wrote:
Agreed.

Let's move on to the next match.

I won this one typing with one hand.

There are "other" unspeakable financial products in which I hold a SAFE designation that most cult members including attorneys and news media just can't seem to comprehend.

__________________
Gary Spicuzza, *SAFE
Copyright 1956
No Rights Reserved
*Self Appointed Financial Expert

Man, just when I was trying to make nice. Whaa?? Lawyers and news media? That's a little out of left field Gary. The problem is brokers/financial advisors/insurance brokers who don't understand the crap they peddle. Auction rate securities being only the most recent example. BTW Gary, how do you structure your fees? By the hour? Assets under management? I doubt it, I think . . . maybe . . . do I smell a commission hooa? At least lawyers admit they owe their clients a fiduciary duty, do you?

...............

Tom,

I have been paid a commission on each and every insurance policy I have ever written since August 1985 and I will continue to be paid a commission on all pending business and future business.

Please allow me to copy and paste what I've already written above on post #9 regarding the Financial Services cult members.
There's nothing quite like perjorative blanket condemnations of an entire industry to build one's own self loathing.

Do you have anything substantive to add to the topic of your thread?

How about moving on to the Reporter's Guide To Fixed Annuities thread and humor me?

After all, annuities are a HOT topic these days and don't you want the General Public to have accurate information?

__________________
Gary Spicuzza, *SAFE
Copyright 1956
No Rights Reserved
*Self Appointed Financial Expert

Good point. I do have to give you credit for your criticism of variable annuities, a wildly abused and misunderstood product!