20 Burst results for "primerica"

Why we need a Congressionally Created National Health Care Reform Commission

The Healthcare Policy Podcast

05:10 min | 9 months ago

Why we need a Congressionally Created National Health Care Reform Commission

"Welcome to the healthcare policy podcast on the host David Intra Cosso. During. This podcast saw discussed with Mr. Randy ostrow, president and CEO Pro-meta and Ohio based nonprofit healthcare system. Efforts to create a congressionally mandated National Health Care Reform Commission. Miss Joe Stra. Welcome to the program. Missed oestrus bio is of course posted on the podcast website. On background. The current public health emergency brings into stark relief, US healthcare's ineffectiveness. I've noted previously with four point, two five percent of the world's population us currently accounts for twenty six percent of worldwide Kobe, nineteen infections and deaths. Black American Cova deaths and hospitalizations are respectively two point five and four times greater than American whites. Concerning our response to date harbor widely cited global health professor. A she's jaw was quoted yesterday stating we may end up being the worst of any country in the world in terms of our response. Despite outspending all other always OECD countries to to one currently at four trillion annually, the effects of the pandemic is having should not altogether unexpected. In, the first major attempt to rank performance in two thousand, the World Health, organization listed US healthcare thirty seven, the world immediately after the Czech Republic and Jamaica. More recently twenty seventeen Commonwealth Fund ranked US healthcare's performance last among eleven, comparatively wealthy countries. With a current projected toll over two hundred thousand by October one. The question begged is what will federal policymakers learn from this experience more specifically. What will they do to reform? How healthcare is defined delivered and financed. With me again to discuss efforts to create a congressionally mandated national health care reform. Commission is chromatic. CEO Randy Oestra. For purposes of full disclosure I've been working with Primerica in advocating before the Congress on this issue. So to begin Randall, let me ask you if you could provide a brief overview of pro-meta. Sure. Was a traditional integrated delivery system regional and an integrated system. We had hospitals. and. Doctors had an insurance company and then so we were several billion dollars in revenue primarily. Ohio sawfish Michigan and then about ten years ago. through. A variety of of interactions became very focused on of the hunger in the health issues, good as security that really less in spending a decade Fox's on the social determinants of health and a lot of experience. A lot of stories could tell as we talked to organizations around the country that have that were forever covering. We were probably the first houses than they ever talk to them. They said you know. What are you doing here? And then the next special as we're in the of bed and really it's been quite a journey of. Over two years ago while we purchase largest for profit, senior companies in the United States cold hr matter. And so today we would call ourselves the health and wellbeing company We're around. You know just in broad terms of seven billion dollars innovation we, we work in twenty eight states, and really the whole idea is about that. How do you integrate? Things, we do clinically with the things that immediately drafts from a social economic standpoint. You ready records some of that code, and then hot that translate into healthy aging, and all the things that go with it, some of the inequities in healthcare from the inequities treatments, and so we set back from an looking for model in healthcare in realize that we're ought to relieve wrong, pat. We Really Kinda Organization. Try to embark. Do APP, and that's his house voting folks. Okay thank you. Let's go specific to of a national commission, so let me begin with the substantive question, and that is in your experience. What would you say are the three or so overriding structural problems or challenges? Confronting Health Care Delivery and financing today. Yeah I think it's actually a a US question while. You know the American healthcare mile was a mess. I. Think you know that's real clear and I think when you look at the statistics have to go too far whether it's you know the back that we're headed toward ninety percent of the gross domestic. Product by twenty twenty five the statistic. Thank you get already cited from the OECD. Ranked in the world

United States World Health National Health Care Reform Co Oecd Ohio President And Ceo David Intra Cosso Mr. Randy Ostrow Joe Stra Ceo Randy Oestra Commonwealth Fund Primerica Kobe Randall Professor Congress
The Biggest Bubble in World History?

Stansberry Investor Hour

14:54 min | 1 year ago

The Biggest Bubble in World History?

"The rant. This week is continuation of last week. Okay what i've done here is. I've added kind of another chapter to the story story so last week. I talked to you about the way that wall street turns conservative investment vehicles into pure toxic waste is what i'm calling colleague and i mentioned two examples right. The investment trusts starting in the late nineteenth century ending in the nineteen twenty nine crash and the u._s. thirty year mortgage around the time of the financial crisis. You know maybe from around two thousand two through just say two thousand nine this week. I wanna talk a little bit about mutual funds in that same light okay and the story begins with something called the prudent prudent man ruling of eighteen thirty. We're getting in the weeds here folks. There's a lot of material here all right so the prudent man fiduciary the tradition in american well in american law and in american finance goes back couple of hundred years before the nineteen sixties when when and mutual funds kind of blew up in the way that i'm about to describe but there was this one particular decision in eighteen thirty in a case called harvard college versus amory sorry you can google that and and learn the details of that amac and talk about just mention the a quote from the decision that was made at that time so so here's the quote from a decision which outlined the prudent man rule okay so these are the words of judge samuel putnam in eighteen eighteen thirty quote all that can be required of a trustee is that he shall conduct himself faithfully and exercise a sound discretion and he is to observe how men of prudence discretion and intelligence manage their own affairs not in regard to speculation but in regard to the permanent ah position of their funds considering the probable income as well as the probable safety of the capital to be invested and quote. That's a lot of that's a lot of stuff there but the salient points are prudence discretion intelligence probable income probable safety of the capital title so this is what's known as the prudent man rule it still alive today though you'd probably be hard pressed to find very many true practitioners. The decision was made in a boston court. Okay it became the ruling principle of among others a whole class of money managers that will called the yankee trustees they were the living essence of the prudent man rule and they viewed the avoidance of losses as more important than achieving leaving gains right very conservative so in boston almost one hundred years after the prudent man ruling the first open ended mutual fund was created in nineteen twenty four and it was very much a product of the trustee culture right people who took care of trusts and were these the yankee trustees who used the man ruin invested very conservatively it was called the massachusetts investors trust and it was different because it didn't have a fixed the number of shares like all the funds before it it's sold shares to the public based on demand and investors could sell them right back to the company at whatever the current price was right. That's an open and mutual fund as we know today so as a product of the boston prudent man culture it was so conservatively run it came out in nineteen twenty four right just when the twenties were kinda getting getting cooking and it was seen as being out of step with the times sort of like warren buffett in nineteen ninety nine fine and you know it it did all kinds of things issued detailed quarterly reports listing all of its holdings and transactions and costs that was the exact opposite visit policy of at that time the the new investment trusts of the era which refused tell investors what was in them in turn out as we said last week to be toxic waste okay now you fast forward a little bit you go nineteen forty-three edward crosby johnson. The second is a lawyer who takes over the fidelity fund and fidelity right. The company knows fidelity. It's got like two and a half trillion of assets under management today well. He took over this boston. Mutual fund operation called fidelity fidelity at the time. They managed three million bucks. It was hardly anything that was even a small amount of that time in nineteen forty three now in his book the gogo years author author john brooks noted of that event quote the man who turned the fidelity organization over to him refuse to take nickel for it in keeping with the traditional boston austin concept of a trusteeship as a sacred charge rather than a vested interest to be bought and sold and quote brooks looks continued the notion of a mutual fund as a trust was deeply ingrained in state street sort of like wall street and boston deeply ingrained in stay street st st st at that time and would remain so until about nineteen fifty five in quote so the laws governing mutual funds and trust were different but until the the mid fifties according to brooks mutual funds felt like trusts right it wasn't seen as an opportunity to get rich speculating with other people's money far from it. It was a sacred charge so but johnson you know eventually. He left those old conservative ways behind. It's a necessary step in solving the toxic waste. He was a fan of jesse. Livermore johnson love jesse livermore. That's what got him interested in. The stock market to begin with of course livermore was the famous trader who made lost i i if i'm not mistaken for fortune speculating on stocks you know including in the twenties and eventually shot himself in the head nineteen forty in the cloakroom grooming sherry netherlands hotel in new york so with his one transaction of taking over the fidelity fund the old conservative way of the yankee trustee was kinda taken out back and shot in the head johnson grew the business by trading stocks okay now the dow rose about one hundred and fifty percent between nineteen forty-three the year he took over and nineteen fifty two the year johnson met a man named gerald cy who's a chinese fellow his last name aside t._s._a. Sign was born in shanghai china in nineteen. Twenty eight came to the u._s. In nineteen forty seven to go to college got a bachelor master's degree from boston in university and stuck around so these guys met nineteen fifty two and they were both inclined more towards market timing and rapid-fire trading in large positions positions you know no diversification long-term view neither had a trace of the prudent man in him johnson. Let size start his own fund in nineteen fifty seven the fidelity capital fund. I'm sorry i left outside went to work for johnson when they met okay and he started his own fund in nineteen fifty seven the fidelity eddie capital fund from nineteen fifty eight to nineteen sixty five the fund return two hundred ninety six percent according to john moguls forward to a book called super money by adam smith breath aka george goodman good book. You should read those those adam smith books along the way si- had to deal with the crash nineteen sixty two that year the dow jones average fell twenty seven percent and most of the downward move which was really from kind of january first until june twenty six of that year most of that downward and move happened in two months between april twenty fourth june twenty six with a drop of twenty two and a half percent so is short and sharp and kind of brutal john brooks. It's not how well the mutual fund industry weathered the storm quote the great rising giant of american finance the mutual fund industry had come out with honors cash chevy still conservatively managed in the prudent fiduciary tradition the funds had bought unbalancing the falling market of monday and had sold on balance and the rising market of thursday day thus besides protecting their shareholders from excessive risk. They had perhaps actually done something to stabilize the market and quote. Apparently there's one particularly if you look at the chart of that time there's one particular week those pretty brutal right around the time it bottomed out and i think that's what he's talking about. Their size fidelity capital fund was down by may of that year but he recovered and the fun rose sixty eight percent in the last three months of the year okay so a few years later nineteen sixty five big year for gerald outside that year has fun was up almost fifty percent of course the turnover one hundred twenty percent right so turnover of one hundred percent means. You held everything for a year. Basically like you sold every share you bought that year so he sold one hundred twenty percent implies and even shorter period right so one hundred percent turnover would be if you bought on january first sold on december thirty first every share and this one hundred twenty percent is like i don't i don't know maybe he sold it all by by november. Let's just say but really what what happened was. He's just constantly turning over daily by then by nineteen nineteen sixty-five gerald saone twenty percent of fidelity instead of picking is his successor to run fidelity et johnson picked his son ned johnson then who actually was a pretty good stock quicker to write in a bull market. Everybody looks good. Silence fidelity immediately started his own fund called the manhattan fund. It started with around two hundred forty seven million in assets the quote the biggest offering an investment company history end quote according to the new york times by mid sixty st eight. It had five hundred sixty million bucks in it. The fun didn't do so well that year though and si- sold his company to c._n._a. Financial corporation regime for thirty million. He got out of the top pretty smart a year later. It fell ninety percent that was closed <hes> so by december thirty thirty one thousand nine hundred seventy four near the bottom of brutal bear market. The manhattan fund had these single worst eight year track record of any existing fund at the time accumulative would've loss of seventy percent of all the capital that had gone into it while manhattan fund wasn't the only one there were other kind of gogo funds of the year. I remember one called. The enterprise fund was up like six hundred percent at the top and down by more than half or so at the bottom but cy was the most famous money manager of time he was really the first kind of celebrity financial major financial guy he would later lie to an institutional investor magazine interviewer when he said quote we had one bad year in nineteen sixty eight night been killed in the press ever since. I don't think it's fair dr and quote one bad year. How about the worst eight years ever at that time size gruden end there. He later worked for an insurance company that bought american can a tin can manufacturer and he turned that business into a financial services company called primerica. You may have heard of it primerica which he sold to a guy named sanford weill in nineteen eighty eight. It's the company that became came city group okay short short story there from primerica to citi group so you know size fingerprints are still on american finance today so that's the short version of how ed johnson and even more so gerald cy turn mutual funds you know this thing born out of the conservative a bit of boston yankee trustee culture into they turned it into toxic wastes into these rapid fire trading vehicles in in in the nineteen fifties and sixties so mutual funds began life in america as a conservatively managed sacred dacre charge of the prudent man the yankee trustee and they ended up as the new gogo mutual funds of gerald site irritating huge positions in highly speculative stocks trading in and out quickly and size manhattan fund was just the most famous and most disastrous example but there there were others said and you know they took these huge positions they weren't diversified and the brokers hated it but they couldn't not do it. Because <hes> you know cy was a big deal. He was the biggest thing in finance at that time that two hundred and forty seven million deal right that was the biggest deal is like fifteen percent of all the offerings that year in mutual fund so you know it was the brokers had to deal with them. They had to play along with these huge positions that he was taking even though they didn't like it because it looked dangerous to them <hes> and trade in out very quickly. It's just like the investment trust of the late nineteenth and early twentieth centuries and it's just like what they did into the thirty year mortgage with mortgage-backed securities and c._d._o.'s in the housing bubbles it housing bubble singular really have one of those wall street takes these conservative vehicles and turns them into toxic waste. Every year is a little bit different. Every bubble has its own characteristics characteristics and course today. What are we seeing today the very biggest bubble in the history of the world the global bond bubble label featuring at last count according to data compiled on bloomberg. They keep track of it. If you have bloomberg you can you can log in and get the latest chart art of the world's negative yielding debt. It's over sixteen trillion about sixteen point four trillion according to bloomberg it's insane. It can't end well. These things things never ever ever do the thing that worries me about this and of course i have to give credit where it's due wall street had less to do with this than central bank central banks did this when this on them of course they're clearly taking a page. I don't know did wall street. Take a page from them. Wall street was around before central banks right so <hes> at least before the federal reserve's early so i think we we have to say that <hes> the central banks take a page from wall street and turned you know the conservative -servative thing most of the negative yielding data sovereign debt and they've turned it into toxic waste guaranteed to lose you money if you hold it to maturity pretty insane insane. That's the rant for this week if you liked it or didn't like it or have a question or a comment right into feedback back at investor our dot com.

Edward Crosby Johnson Boston Manhattan Fund Trustee John Brooks Primerica Gerald Cy Fiduciary Gerald Bloomberg Gogo Boston Court Jesse Livermore Livermore Johnson New York Times Warren Buffett Massachusetts
"primerica" Discussed on NewsRadio 1020 KDKA

NewsRadio 1020 KDKA

01:30 min | 1 year ago

"primerica" Discussed on NewsRadio 1020 KDKA

"I love this story. I want to get right to our guest, his name as well. Gordy. I, I love a story that okay if it starts with cancer and ends with blessings. How do you get from a to b this man is the guy who can tell us welcome to the radio station, Katie K in Pittsburgh? How are you wall? I got you. Great. All right. So tell everybody imagine. Nobody knows your story. And we have six minutes to tell it go. Pretty long. But I'll see if I can condense it of dry away. I'll go on what to know. Hey, knows that my, my neck was slow. So you know I worked out from the time. So I was thinking that I actually had my neck or something like that. So I went I on it, and it didn't go down. So low story short. I want to my primerica position and they told me that I say, everything is great. They took my blood work, everything came out fine few months later the game antibiotic steroid guy, make it go down. And actually, they, they found out that it was does my lips. No, nothing. I was slowing. So I did a biopsy allows story short. I was not hostile. About five years ago. Wow. Yeah. So it was, it was pretty shocking because I've been helping.

Gordy primerica cancer Pittsburgh Katie K six minutes five years
"primerica" Discussed on Newsradio 950 WWJ

Newsradio 950 WWJ

01:40 min | 2 years ago

"primerica" Discussed on Newsradio 950 WWJ

"Services firm primerica, which also found that only one quarter of those surveyed said they were very confident they could determine how much they need to save for retirement on their own. Warren powers is a former NFL defensive end who now works for primerica who says he faced his own financial challenges when I was a kid growing up. I thought that if I just could come into a lot of money that all my. Problems would be solved. But then the other part is knowing what to do with the money and understanding with me graduating from the university of Maryland and become a millionaire to twenty to twenty two year old son and a million dollar contract. But still, you know, like lost loss financially. One interesting finding in the surveys that millennials are the least confident of all the generation surveyed in handling their finances. Michael Cohen, w w j NewsRadio nine fifty a minimum wage in Michigan is going up. Fulltime workers will have to be paid at least nine forty five per hour. Going up from nine twenty five miners will be paid eighty five percent of the minimum wage, which is eight oh three per hour. Tipped workers will be paid a thirty eight percent of the minimum which is three fifty nine per hour. The federal minimum wage is seven twenty five per hour. The changes go into effect tomorrow. Now, this is an overdue library book. A reading rain. Flint public library sharing a pitcher of the pocket inside a copy of life of Charles Dickens. It was last checked out on may sixteenth nineteen sixty.

primerica Warren powers Charles Dickens Michael Cohen university of Maryland Flint public NFL Michigan thirty eight percent eighty five percent twenty two year million dollar one quarter
Ring finally has a doorbell cam for renters and apartment dwellers

Killer Innovations

00:41 sec | 2 years ago

Ring finally has a doorbell cam for renters and apartment dwellers

"There Tuesday that you know, loved it. Not for my house, while my wife would ever allow me to bring that home. I'd love it would would would make it past the front door. But there are these devices though, that can't transform and I remember back when I was CTO HP. I had the accessibility technology team is primerica association. Back. Then see the healthcare segment was pretty Spall. And we were kind of that team was part of a very small community here at the puck way when a corner one of the remote. Sorry, it's it's becoming a big area. So what's so incredible about the digital health innovations? We're seeing the show is I mean, the the big story is it gives people greater control of their health wellness, right? So

Primerica Association Cto Hp Spall
"primerica" Discussed on KDWN 720AM

KDWN 720AM

03:31 min | 2 years ago

"primerica" Discussed on KDWN 720AM

"That means you're on your risk for overdose. Now, they can look at the other prescriptions that she takes sees that. She's not on our colleagues, but that doesn't necessarily mean that the client that they are vetting might not use illegal drugs. Cbs so primerica is the insurance. And this is obviously now hitting the news primerica Z insurer says Turner down NPR has agreed to use. I sell his first name because she's worried about how the story might affect her getting life insurance, although I sell and her picture out. There is kind of now is all over the place. But the company says it cannot discuss individual cases. But at a prepared statement for notes that naloxone has becoming increasingly available over the counter. The life. Insurers applicant has a prescription for naloxone. We request more information about its intended use as part of our underwriting process. That's quite an conservation. President for corporate communications primerica is supportive of Everett's to help turn the tide on the national opioid epidemic. After try Marica turned her down. I sell apply to a second life insurer and wasn't coverage. But the second company told her it might reconsider if she obtained a letter from Dr explaining why she needs to lock zone. So she contacted the primary care physician and the realize that her doctor not prescribed the drug. She bought it at a pharmacy. So you could get a standing order where you can just go to the pharmacy and get them. If you if you have people in your family, or whatever. So this is one of these things where it's like if you have if you want to prevent an opioid death, or you know, you could unfortunately be guilty vice association, but this is what I'm seeing. This is the bigger story here a lot of you guys were getting rejected for life insurance. And seems like a lot of life insurance companies. I can't speak for this one seems to really be cherry picking. This cherry picking that seems to be going on. Really affects a lot of people that are middle age and up. And so. An insurance company has a right to cover you or not. They have a right. I don't want the government coming in and said you have to give insurance because then it's still life insurance is going to go through the roof. But you know insurance is designed to make money. They are hoping you don't have to cash in so life insurance will look at your case. And if they think you have a risk of needing their benefits before they make a profit. They're not gonna take you. Or your insurance is going to term before you realize it because of male errors. I've seen that happen. And then you're like, what are you talking about let me resume because sorry, it was term. Do you have to reapply? And now, you're you're forties. So a big question is what to do about life insurance? Most financial analysts say will you need. If you got to be careful because some of these life insurance things are are not really the best purchase. And so one patient had gotten mad because an antibiotic was medical sharp, just z pack or something and she said, she got turned out for life insurance. And they said it was her medicine list. And they said why did I write down that I gave an antibiotic? I first of all you needed it antibiotics. I gave it to you second. It wasn't the antibiotic you have high blood pressure. Trying to make you think it's something else. But they probably didn't want to ensure you because you have high blood pressure blood pressure..

primerica primerica Z naloxone Marica NPR Turner President Dr Everett
"primerica" Discussed on KDWN 720AM

KDWN 720AM

06:15 min | 2 years ago

"primerica" Discussed on KDWN 720AM

"Holman said future research, focus on approving cleaning methods and studied bacteria on other medical devices used on multiple patients. So. What does that mean for you? Well, before a doctor sees you they should be washing their hands. You should see that. Right. I had the in my office previously the sinks weren't in the room. They were in the hallway. So the doors will be open. I would wash my hands the hallway command I would also have sanitizer in the room, so vanturi sanitized. And then what I would do is. I would take an alcohol pad, and I would clean off the stethoscope before used it. Or I would use some sanitizer on it. Now there are crevices within a stethoscope that could house bacteria. Have I ever had a patient that got sick from my stethoscope? No, I never have seen it. But then again, I was pretty diligent with cleaning. My stethoscopes. So I don't think you guys should freak out stethoscopes have been used for years. But if you are immuno-compromised or vulnerable, it could be an issue. So that's something to think about what? Eight seven seven one eight hundred seventy oh, see the. L? I saw a nurse was denied life insurance because she carries no oxygen. Now, this is a nurse that that her insurance agent and was told her application was denied because something on her medication list indicated that she used drugs now her name is I cela-. And I was a registered nurse. She works in an addiction treatment program at Boston medical. They Skander medalist, and it showed a prescription for opioid reversal drugs naloxone brand name Narcan. She loves, but I'm a nurse. I the DAL people if there is an overdose. I could save a life. Now. Of course, I'm a little confused why she had to get a prescription for it. Usually these treatment centers will supply them. But she might want to have carried it because she doesn't know if she could be at WalMart or at a grocery store and somebody overdose. And then she has one of her own. So she doesn't have to take something for the place. She works. So it's not that illogical. So she remembers telling her agent because I'm a nurse. I used to tell people if there is an overdose. I could save their life. So the US surgeon general in April. Had this advisory. We'll say be prepared getting a lock zone save a life, but some life insurance consider the use of prescription drugs one reviews the policy applicants, and they think that if you have no lock zone that means you are on. You are at risk for overdose. Now, they can look at the other prescriptions that she takes sees that she's not on our Connex. But that doesn't necessarily mean that the client that they are vetting might not use a legal drugs. So primerica is the and and this is obviously now hitting the news primerica Z ensure a sell us says Turner down NPR has agreed to use. I sell his first name because she's worried about how the story might affect her getting life insurance. Although I saw and her picture out there. It's kind of now it's all over the place. But the company says it cannot discuss individual cases. But at a prepared statement primerica notes that naloxone has becoming increasingly available over the counter now. The life. Insurers applicant has a prescription for lock zone. We request more information about its intended use as part of our underwriting process. That's going to keep an conservation. President for corporate communications primerica is support of efforts to help turn the tide on the national opioid epidemic. After try Marica turned her down. I sell apply to a second life insurer and was again denied coverage. But the second company told her it might reconsider if she obtained a letter from her doctor explaining why she needs no lock zone. So she contacted the primary care physician and the realize that her doctor prescribed the drug. She bought it at a pharmacy. So you can get a standing order where you could just go to the pharmacy and get them. If you if you have people in your family, or whatever. So this is one of these things where it's like if you have if you want to prevent an opioid death, or you know, you could unfortunately be guilty by association. But is this is what I'm seeing? This was the bigger story here a lot of you guys are getting projected for life insurance. And seems like a lot of life insurance companies. I can't speak for this one seems to really be cherry picking. And this cherry picking that seems to be going on. Really affects a lot of people that are middle age and up. And so, you know, an insurance company has a right to cover you or not. They have a right. I I don't want the government coming in and said you have to give insurance because if so life insurance is going to go through the roof, but you know, insurance is designed to make money. They are hoping you don't have to cash in so life insurance will look at your case. And if they think you have a risk of needing their benefits before they make a profit. They're not gonna take you. Or your insurance is gonna term before you realize it because of male errors. I've seen that happen. And then you like, but what are you talking about? Let me resume that go. Sorry. It was do you have to reapply? And now, you're your forties. So a big question is what to do about life insurance? Most financial analysts say will you need it. But you gotta be careful because some of these life insurance things are are not really the best purchase. And so one patient had gotten mad because an antibiotic was in her medical chart, just as E pack or something and she said, she got turned out for life insurance. And they said it was her medicine list. And they said why did I write down that I gave an antibiotic I well first of all you need an antibiotic. So I gave it to you second. It wasn't the antibiotic you have high blood pressure. They're trying to make you think it's something else. But they probably didn't want to ensure you because you have high blood pressure. So if you have high blood pressure, if you have diabetes,.

primerica naloxone Holman WalMart US Boston medical diabetes Marica NPR President Turner
"primerica" Discussed on KDWN 720AM

KDWN 720AM

03:39 min | 2 years ago

"primerica" Discussed on KDWN 720AM

"Use prescription drugs one of us policy applicants and they think that if you have no locks on that means you are on your risk for overdose. Now, they can look at the other prescriptions that takes sees that she's not on our colleagues, but that doesn't necessarily mean that the client that they are vetting might not use illegal drugs. So primerica is the insurer. And and this is obviously now hitting the news primerica Z ensure a sell us as Turner down. NPR has agreed to use. I sell his first name because she's worried about how the story might affect her getting life insurance. Although I saw and her picture out. There is kind of now is all over the place. But the company says it cannot discuss individual cases. But at a prepared statement primerica notes that naloxone has becoming increasingly available over the counter. The life. Insurers applicant has a prescription for naloxone. We request more information about its intended use as part of our underwriting process that's going to keep an vice president for corporate communications primerica is support of efforts to help turn the tide on the national opioid epidemic. After try Marica turned her down. I sell apply to a second life insurer and was again tonight coverage, but the second company told her it might reconsider if she obtained a letter from her doctor explaining why she needs the lock zone. So she contacted the primary care physician and the realize that her doctor prescribed the drug. She bought it at a pharmacy. So you could get a standing order where you can just come to the pharmacy and get them. If you if you have people in your family, or whatever. So this is one of these things where it's like if you have if you want to prevent an opioid death, or you know, you can unfortunately be guilty by association. But this is what I'm seeing. This was the bigger story here a lot of you guys are getting projected for life insurance. It seems like a lot of life insurance companies. I can't speak for this one seems to really be picking. And this cherry picking that seems to be going on. Really affects a lot of people that are middle age and up and so. You know, an insurance company has a right to cover you or not. They have a right. I don't want the government come in and say you have to give insurance because then if so life insurance is going to go through the roof, but you know, insurance is designed to make money, they're hoping you don't have to cash in so life insurance will look at your case. And if they think you have a risk of needing their benefits before they make a profit. They're not gonna take you. Or your insurance is gonna term before you realized it because of male errors. I've seen that happen. And then you're like, what are you talking about? Let me resume go. Sorry was termed you have to reapply. And now, you're in your forties. So a big question is what to do about life insurance? Most financial analysts say will you need. If you got to be careful because some of these life insurance things are not really the best purchase. And so one patient had gotten mad because an antibiotic was inter medical chart z pack or something and she said, she got turned out for life insurance. And they said it was her medicine list. And they said why did I write down that? I gave an antibiotic first of all you needed antibiotics. I gave it to you second. It wasn't the antibiotic you have high blood pressure. They're trying to make you think it's something else. But they probably didn't want to ensure you because you have high blood pressure blood.

primerica Marica naloxone NPR vice president Turner
"primerica" Discussed on KSFO-AM

KSFO-AM

01:35 min | 2 years ago

"primerica" Discussed on KSFO-AM

"Your most powerful wealth building tools. You're dadgum income. But that doesn't pay your primerica rep any commission. You're getting bad advice. I think. But hey, thanks. You're getting bad advice from me. So you're going to have to decide aren't you? It's true. You can't do this stuff anymore. You gotta have to decide which horse. You're gonna ride and ride it then. Okay. But you know, what I'm gonna say. Yes, temporarily stop all retirement. Yes. Pay off your stupid car. But I didn't tell you stupid car on payments to start with you know, that and yes, I'm gonna tell you to not wait around on the government forgiveness because only ninety six people have received that so far. I don't think that's a very good bet. I'm gonna pay off my student loans. The shortest path is not compound interest wealth, the shortest path to wealth. Is to get out of debt because you got control of your income. So you need to decide which visor you're gonna follow. Because you're advisors are in conflict. And by the way, you ought to fire one of them or the other. So don't call me for advice anymore. If you're gonna follow his because you know, what I'm gonna say. And by the way, if you're gonna follow mine, you need to get a different adviser. Because the primerica guys not telling you what I'm telling you to do. It's pretty simple. It's okay. Either way. I'm not mad about it. I'll be okay. Either.

primerica
"primerica" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

01:30 min | 2 years ago

"primerica" Discussed on NewsRadio 1080 KRLD

"But that doesn't pay your primerica rep any commission. You're getting bad advice. I think. But hey, thanks. You're getting bad advice from me. So you're going to have to decide aren't you? It's true. You can't do this stuff anymore. You gotta have to decide which horse. You're gonna ride and ride it then. Okay. But you know, what I'm gonna say. Yes, temporarily stop all retirement. Yes. Pay off your stupid car. But I didn't tell you BAAs stupid car on payments to start with you know, that. And yes, I'm gonna tell you to not wait around on the government forgiveness because only ninety six people have received that so far. I don't think that's a very good bet. I'm gonna pay off my student loans. The shortest path is not compound interest to wealth, the shortest path to wealth. Is to get out of debt because you got control of your income. So you need to decide which advisor you're gonna follow because your advisers are in conflict, and by the way, you ought to fire one of the more the other. So don't call me for advice anymore. If you're gonna follow his because you know, what I'm gonna say. And by the way, if you're gonna follow mine, you need to get a different adviser. Because the primerica guys not telling you to do what I'm telling you to do. It's pretty simple. So it's okay. Either way I'm not mad about it. I'll be.

primerica advisor
"primerica" Discussed on 710 WOR

710 WOR

01:34 min | 2 years ago

"primerica" Discussed on 710 WOR

"Your most powerful wealth building, tools, your dadgum income. But that doesn't pay your primerica rep any commission. You're getting bad advice. I think. But hey, thanks. You're getting bad advice from me. So you're going to have to decide aren't you? It's true. You can't do this stuff anymore. You gotta have to decide which horse. You're going to ride and ride it then. Okay. But you know, what I'm gonna say. Yes, temporarily stop all retirement. Yes. Pay off your stupid car. But I didn't tell you bother stupid car on payments to start with you know, that. And yes, I'm gonna tell you to not wait around on the government forgiveness because only ninety six people have received that so far. I don't think that's a very good bet. I'm gonna pay off my student loans. The shortest path is not compound interest to wealth, the shortest path to wealth. Is to get out of debt because you got control of your income. So you need to decide which advisor you're going to follow. Because your advisers are in conflict, and by the way, you ought to fire one of the more the other. So don't call me for advice anymore. If you're going to follow his because you know, what I'm gonna say. And by the way, if you're gonna follow mine, you need to get a different adviser. Because the primerica guys not telling you to do what I'm telling you to do. It's pretty simple. It's okay. Either way. I'm not mad about it. I'll be okay..

primerica advisor
"primerica" Discussed on Newsradio 700 WLW

Newsradio 700 WLW

01:30 min | 2 years ago

"primerica" Discussed on Newsradio 700 WLW

"But that doesn't pay your primerica rep any commission. You're getting bad advice. I think. But hey, thanks. You're getting bad advice from me. So you're going to have to decide aren't you? It's true. You can't do this stuff anymore. You gotta have to decide which horse. You're gonna ride and ride it then. Okay. But you know, what I'm gonna say. Yes, temporarily stop all retirement. Yes. Pay off your stupid car. But I didn't tell you BAAs stupid car on payments to start with you know, that. And yes, I'm gonna tell you to not wait around on the government forgiveness because only ninety six people have received that so far. I don't think that's a very good bet. I'm gonna pay off my student loans. The shortest path is not compound interest to wealth, the shortest path to wealth. Is to get out of debt because you got control of your income. So you need to decide which advisor you're gonna follow. Because your advisers are in conflict, and by the way, you ought to fire one of the more the other. So don't call me for advice anymore. If you're gonna follow his because you know, what I'm gonna say. And by the way, if you're gonna follow mine you need to get a different visor. Because the primerica guys not telling you to do what I'm telling you to do. It's pretty simple. It's okay. Either way. I'm not mad about.

primerica advisor
"primerica" Discussed on WBT Charlotte News Talk

WBT Charlotte News Talk

01:35 min | 2 years ago

"primerica" Discussed on WBT Charlotte News Talk

"Your most powerful wealth-building tool is your dad, gum income? But that doesn't pay your primerica rep any commission. You're getting bad advice. I think. But hey, thanks. You're getting bad advice from me. So you're going to have to decide aren't you? It's true. You can't half do this stuff anymore. You gotta have to decide which horse. You're gonna ride and ride it then. Okay. But you know, what I'm gonna say. Yes, temporarily stop all retirement. Yes. Pay off your stupid car. But I didn't tell you a stupid car on payments to start with you know, that and yes, I'm gonna tell you not wait around on the government forgiveness because only ninety six people have received that so far. I don't think that's a very good bat. I'm gonna pay off my student loans. The shortest path is not compound interest to wealth, the shortest path to wealth. Is to get out of debt because you've got control of your income. So you need to decide which advisor you're gonna follow because your advisers are in conflict, and by the way, you ought to fire one of the more the other. So don't call me for advice anymore. If you're gonna follow his because you know, what I'm gonna say. And by the way, if you're gonna follow mine, you need to get a different adviser. There's the primerica guys not telling you to do what I'm telling you to do. It's pretty simple. It's okay. Either way. I'm not mad about it. I'll be okay. Either.

primerica advisor
"primerica" Discussed on The Dave Ramsey Show

The Dave Ramsey Show

01:34 min | 2 years ago

"primerica" Discussed on The Dave Ramsey Show

"Because he's not helping her when he gives her money he's harming her because he's funding her delusion that her life is okay he's funding her misbehavior he spun ding her not fixing what's wrong with her life and i wanted to fix what's long i wanted to be healed i wanted to win and so if i'm going to give her money i'm going to force behavior change that helps her and causes her to be wealthy later and i'm gonna give her leg up towards that with money but i'm not going to support her misbehavior because i'm too worst defied to tell my mommy no man we have a manhood crisis don't we kathy is on facebook they've currently have primerica life insurance is not listed at zander so i wanted to know if you recommend it claims to provide coverage until age ninety five we plan to raise our coverage as finances get better is this good or look elsewhere primerica so's term life insurance and that's good it is expensive term life insurance and that's bad so if you were to want to buy life insurance you know fifteen twenty your level term life insurance and you go to zanderinsurance and you price it out you will find it to be the cheapest because they're going to shop gazillion of the best and cheapest companies out there and what primerica does is great they shall term life insurance and they show investments and mutual funds and that's all fine but.

facebook zanderinsurance primerica kathy
"primerica" Discussed on Black Men Can't Jump

Black Men Can't Jump

01:33 min | 3 years ago

"primerica" Discussed on Black Men Can't Jump

"Is like this woman has done so much stuff and get the modern movies to rashi has starred in by herself as we got was movie that came out to shit many it's only just happening now which is great anger moni acrimony and primerica albert which was twenty primary was originally written for a dude and then i think that out and then i think somehow trashy guessing it got in there and then they rewrote it very quickly to be featuring her you could tell us definitely rush but like to me is like drinking she's on merican crime stories fantastic yes and she won an emmy for that also gabrielle union just got her first view time a classic i personally think it was mediocre but i was cool with that yeah i like real you know it was like run of the mill action movie came on mother's day came on mother's day if you think about it too much you're like yeah this doesn't really work but like it's it's a film that we need more of that it's not we don't have to put everything on it yeah yeah yeah and is it pretty well in the box office i think it's already made like four times the only cost like six million to make and it's already made like i don't know four million fantasy movie league and that movie was a part of like the perfect cinema right last weekend so this way.

primerica mill
"primerica" Discussed on Science Friday

Science Friday

01:44 min | 3 years ago

"primerica" Discussed on Science Friday

"Yes there are two strategies that we think that that we discuss that could come directly out of sort of application of this basic science work the first is indeed a potential by remediation cleanup strategy so we recognize that antibiotics wants to used in humans are an agricultural even the you know the factories that make them eventually you know some some amount of antibiotic will end up leaching out into the environment and now that poses a contamination risk because it could enrich for resistant bugs out there so it's possible that either the bugs that we have are the bug e coli that we engineered to also have this property or even just the enzymes that we discovered could be used as a way in which to decontaminate these antibiotics before they go into the environment so that's one potential application obviously would do this in the genetically engineered fashion in terms of the chola example you'd have to have all of the regulatory things in place but then the second aspect which is a little bit more tantalizing because it kind of allows us to buy back the bugs if you will is these enzymes that we discovered that these bugs are using to to eat the antibiotics ultimately also giving us now building blocks of antibiotics breaking penicillin up into a bunch of substructures and so it's possible that we could use these ends judiciously to take the substructures and then stitched back up as a way in which to make primerica antibiotics new antibiotics and so sort of inadvertently by studying how these weird bugs eating antibodies we might actually have liberated new building blocks for the next generation of antibiotics.

penicillin primerica
"primerica" Discussed on WNYC 93.9 FM

WNYC 93.9 FM

01:54 min | 3 years ago

"primerica" Discussed on WNYC 93.9 FM

"Of antibiotics we have in our natural system can you use these bacteria to go out there and sweep them up or so come up or even have lunch with them yes there are two strategies that we think that when we discuss that could come directly out of a sort of application of this basic science work the first is indeed a potential bioremediation cleanup strategy so we recognize that antibiotics wants the used in humans are an agriculture even in the you know the factories that make them eventually will some some amount of their antibiotic will end up reaching out into the environment and now that poses a contamination risk because it could enrich for resistant bugs out there so it's possible that either the bugs that we have or the bug the e coli that we engineered to also have this property or even just the enzymes that we discovered could be used as a way in which to decontaminate these antibiotics before they go into the environment so that's one potential application obviously if you were to do this in the genetically engineered fashion in terms of the chola example you'd have to have all of the regulatory things in place but then the second aspect which is a little bit more tantalizing because it kind of allows us to fight back at the bugs if you will is these enzymes that we discovered that these bugs are using to you know to eat the antibiotics ultimately are also giving us now building blocks of antibiotics breaking penicillin up into a bunch of substructures and so it's possible that we could use these enzymes judiciously to take the substructures and then stitched them back up as a way in which to make primerica antibiotics new antibiotics and so sort of inadvertently by studying how these weird bugs are eating antibiotics we might actually have liberated new building blocks for the next generation of antibiotics.

penicillin primerica
"primerica" Discussed on ESPN FC

ESPN FC

01:46 min | 3 years ago

"primerica" Discussed on ESPN FC

"Kaku i let handle primerica mara if i'm not mistaken is played column kaku kaku he's played six games of i'm not mistaken and or is it set seven games liberties and he has three goals six assists six assists now if you're telling me in and you and i spoke about on the podcast why didn't he play against chievo if you're telling me he couldn't have about you when you needed a goal and you had twenty something different opportunities akron versus chief you're telling me he wasn't ready for that moment i am buying feeling they were i get the feeling they were not confident him enough and that's and i can live with that if you if you're saying he's not only way he's place something i'm saying i mean i second guess i would say they're like we're not doesn't quite fit yet it fits now i just get that marshon red bull you ruined bremmer less kaku could have changed at all yeah he's good and look all these south american dp's easier are starting to they're all done relatively well they all have their idea go doc good and and not so much in a game his learning with with legal but it should be it should be a learning curve these guys are producing i think exceeding some of these be ready you have to be ready for the dips and i think has was medina was a guy who like oh man i was screaming from the from the hilltops about medina i'm like well let's just pump the brass crispy medina's rosie's nineteen these are some players whether it should be learning curve but then you have other cars.

kaku medina primerica
"primerica" Discussed on The Talk Show

The Talk Show

01:44 min | 3 years ago

"primerica" Discussed on The Talk Show

"Just like the idea of the of the built in was it a mac book right i love the idea of the mac with primerica builtin gp i could help tell us that was basically it was a tiny sliver i got you let me let me help out guys right yeah all hail the notifications menu give me the vacations like i'll handle those for you boys if you get an s while we're doing this but that that was very interesting to me this philosophy of like hey you know how much compute power do you need gpk wise for gp bound instruction and and you can have that instantly and not have it when you don't want it when you want to move away from your desk or walk away or carry your work with you or whatever it's not about like okay got to transfer files and do all this stuff like if you're doing truly gp bound work you can get a mac book pro and still do that work which is amazing and if it's especially if it's not very cpu bound your two year old matt book pro with thunderbolt you know by the time ps really get out there your two year old macbook pro with thunderbolt three is an immensely capable machine for rendering work and stuff still like the effectively extended the life of peoples macbook pros massively or enabled them to do things that they wouldn't be able to do otherwise and it works forever they works for gaming view got a macbook pro and you want a game there's this company that makes this little puck thing that you could take with you and plug it into your machine in a hotel room and boom you gotta gaming rig that works now that works cool.

mac primerica two year
"primerica" Discussed on The Tom Leykis Show

The Tom Leykis Show

02:47 min | 3 years ago

"primerica" Discussed on The Tom Leykis Show

"Talked to her i think i'm not sure if she's getting screwed over or what but this is basically what she told me she's got a girl through a company which i'm sure you've heard of called primerica and she told me that in order to diversify not only does she have a 401k with matching from her company but she also has a roth and a traditional ira that she's able to max out every month and that does that seem right is that normal well there's no need to have a rav and a traditional ira it makes no sense because when you make contributions to an ira the fifty five hundred if you're fifty or sixty five hundred year over fifty that you tribute every year that's the total amount you contribute of all retirement account you have so even if you have ten iras you can only put in fifty five hundred fifty and sixty five hundred fifty total there is no good reason the traditional ira right okay i i seem to agree but is there anything is there any like tax legalities surrounding that regarding what now having both ira's no you you can legally do it there's no benefit to doing right so i was thinking that most likely because her financial advisers not feebased my opinion was she just got sold to different ira's in order for someone to catch a commission well that or she got sold by two different people oh it's the same person yeah there is no benefit to her to do that gotcha okay well that certainly clears up my question there because i don't plan on doing too much in terms of that actually one of the things i wanted to ask you as well was about i'm getting a government job and i'm gonna have the ability to save through tst as well as the government first retirement which is you know just kind of awarded and this is what i'm i'm still breaking down at how much money i'm gonna have leftover every month after bills and everything and i want her to run those numbers value once they get those final numbers and see see what you think where that'll be next time right good so thank you very much if you could blow me up i appreciate it you bet.

primerica ira sixty five hundred year 401k