All Forum Posts by: Rich Schroeder

Is this pattern similar to what it looks like on the rest of the cabinets? This appears to be an airborne infection as opposed to a specific water leak or similar issue. I would just make sure to look real well for the source of the mold (water stains on the floors of other rooms, or high concentrations of mold on a ceiling where water was coming in from a leak in the roof). Worse case would be a leak behind a wall that you can't see, but from the picture show that doesn't seem to be the case in my opinion. I would look for further evidence of the root cause.

-Rich

1 Vote

Originally posted by Tim Wieneke:

Originally posted by Mike M:

If you want it, pay for it, I don't care what it is, ie. Social Security, Medicare, Education, Welfare, Health Care, etc...

Exactly! Lousy education, no end to poverty, waiting for critical time sensitive surgery from the guy to graduate last in his class in medical school... Imagine what will happen once insurance goes socialist. You won't get claims professionals to represent you that are half as good as I am. :cool:

How dare you be knowledgeable about an industry and share your expertise! That is very self-righteous of you. You should accept crazy fringe ideas contrary to reality because I am educated and once bought an insurance policy!

1 Vote

Originally posted by Sorin T:

One has to love these discussions (I do)where self righteous, self appointed experts know better than an immigrant what it's like being one, or going thru the immigration process. Or know what socialism is like, better than one having lived thru it half their life. Or know more about feeling jewish (and actually do feel so) than a natural born and lived, jewish person. And nobody dare contradict them, you pathetic highly educated, resource sucking libs!

WOW, it's almost like watching the Glenn Beck spectacle, minus the weeping crisis.

Although that may appear too, at some point, to add flavor and credibility to their arguments. So let the show go on!

On a personal note, what I find truly pathetic is the consistent misuse of "it's" and "its" coming from a former English major, I would expect that from someone whose native tongue isn't English. But that's way beside the point here...

This wasn't about who's an expert or not. This was about misinformation about basic insurance concepts being spread by certain people. Credentials were only put on the table once 1) the argument was being lost and 2) radically incorrect concepts regarding time-tested insurance practices could not be verified or justifed. No one can change insurance terms and practices (in the real world) and get their glorified anticipated results. For example, to say that insurance companies would proift more from accepting anti-selection is simply not true. Whether one is an expert or not, making statements (or worse yet, forcing companies to implement these changes) such as this will not change the results of the action. If you force companies to accept anti-selection, it will have effects on the business (this includes higher premiums and healthy populations to ditch coverage). Even if you are not an expert, if you can somehow show this not to be true, I'm sure you could obtain a highly paid position while doing little work, and I would be all ears and open-minded.

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Congrats Rich! I don't mind the bragging at all...I think it's a great statement on your success!

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Rich, thank you for your thoughts. I would respectfully argue that this is a great thread for newbies who are interested in politics. This is a prime example of radical liberal ideas being exposed as bunk when facing real world applications.

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Originally posted by Bienes Raices:

Originally posted by rich23s:

Originally posted by J Scott:

Originally posted by Vikram C.:

But it seems as if some people would rather hang on to their misconceived ideas than learn. Perhaps this is a manifestation of the low voter-quality problem that was discussed earlier in this thread?

Exactly. Too many people who think that the McDonalds fry-cook must understand the restaurant industry because he's been slinging burgers for 20 years or that the guy at the car wash has to know everything there is about the automotive industry because he washes cars all day...

Plenty of part-time people in the insurance industry making $30K/year (like my cousin who sells life insurance) have opinions on how things should be run in the industry...

Though I find it funny how the industry execs aren't asking any of these so-called "experts" for their expert opinions...could it be that nobody else in the industry really considers them experts? Hmmm... :roll:

Again, I'm just getting dumber reading this thread...I'm done with this one...I'll let the "experts" go back to learning each other stuff...

As opposed to someone with no industry experience, who reads a few articles, and thinks that they know enough about the industry to run it. Hmmmmm

Vikram: please show evidence to support the misconceived ideas on this thread (except the ones coming from you and J Scott). I'm also waiting for your supporting evidence that insurance companies will make more money when accepting anti-selective risks.

J Scott: Please show evidence that industry executives are asking for your opinion on how to run the "flip this house" industry. This is really the only way we can call you an expert in the field.

I would also like you to show evidence of the following claims, as you have said that you don't make statements that cannot be verified:

-"Plenty of part-time people....have opinions on how things should be run in the industry" How many people? What percentage? Please provide your proof.
-"too many people who think the McDonald's fry-cook must understand the....industry." who thinks this? Please cite sources. Or is this an opinion? Or worse yet...a speculation?
-"I'm just getting dumber reading this thread" please provide sources. You may use the fact that you lost the argument, that will suffice if you wish.

Thanks!

Well, there is the other end of experience--the consumer. As a former consumer of individual health care plans, I know from first hand experience that the value of the product is horrible in relation to what's paid for it. And presenting people with 10 or 15 bad options and labeling it a free market and telling them they should be ecstatic because they have a choice is not very comforting, to me at least.

using this logic, the consumer (or the "eater" as I like to call it) of the big mac is better positioned to run the fast food industry better than the guy who fliped burgers for 20 years. I would say that neither one are, but this the scenerio presented by J Scott.

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the real danger, Vikram, is when people who go to school think that makes them automatically educated. I went to school with some really dumb libs, and they actually passed their classes! Worse yet, they went out in the real world thinking their Ph D made them an expert in every industry!

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Originally posted by Vikram C.:

I also think that one of the problems with the current right-wing movement in this country is an anti-intellectual bias that has become obsessive to the point that education and knowledge are considered negatives within that movement. The net result is that people who can argue most forecefully with little or no knowledge of a subject seem to dominate the public discourse.

Please provide evidence to support your claim. (J Scott, don't worry, I got your back and beat you to the punch as I knew you would require evidence) :D

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Originally posted by J Scott:

Originally posted by Vikram C.:

But it seems as if some people would rather hang on to their misconceived ideas than learn. Perhaps this is a manifestation of the low voter-quality problem that was discussed earlier in this thread?

As opposed to someone with no industry experience, who reads a few articles, and thinks that they know enough about the industry to run it. Hmmmmm

Vikram: please show evidence to support the misconceived ideas on this thread (except the ones coming from you and J Scott). I'm also waiting for your supporting evidence that insurance companies will make more money when accepting anti-selective risks.

J Scott: Please show evidence that industry executives are asking for your opinion on how to run the "flip this house" industry. This is really the only way we can call you an expert in the field.

I would also like you to show evidence of the following claims, as you have said that you don't make statements that cannot be verified:

-"Plenty of part-time people....have opinions on how things should be run in the industry" How many people? What percentage? Please provide your proof.
-"too many people who think the McDonald's fry-cook must understand the....industry." who thinks this? Please cite sources. Or is this an opinion? Or worse yet...a speculation?
-"I'm just getting dumber reading this thread" please provide sources. You may use the fact that you lost the argument, that will suffice if you wish.

Thanks!

1 Vote

Originally posted by Tim Wieneke:

Folks,
In the end what is going on here with this insurance debate is a key debate between private market insurance, which has been working just fine since the reign of Queen Elizabeth, and social insurance, which works till you run out of other people's money. It comes down to capitalists vs. socialists and the field of battle is now insurance.

Those like myself and Rich who have actual experience in the field know the realities of this industry and how people behave when they file claims for payment by the insurance company and thus prefer the private market which maintains very large reserves while enjoying heavy profits of about 2.2%. Armchair academics who have no concept of the reality of this business often favor social insurance, completely ignoring the realities of the insurance business and base human behavior to take advantage of every loophole to tap out reserves, assuming someone else will (or obligating them to) restock them. You will notice how the armchair academics in this thread failed to even address the article I posted from the Casualty Actuarial Society. This is the level of their ignorance of the topic - that they ignore EVERYONE with experience in the field who says ANYTHING counter to what they already believe. It's an ideology to them.

This thread reminds me of a documentary I saw on television a while ago.

http://www.guardian.co.uk/theguardian/2005/feb/12/weekend7.weekend2

the guy is so smart, but he can't drive a car or tell left from right. You can become president of the U.S. by being smart and becoming very educated, but it sucks when you can't drive yourself to the store to buy some ice cream. Different strokes.

0 Votes

All Forum Posts by: Rich Schroeder

Rich Schroeder has started 50 posts and replied 424 times.

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