IRA {Individual Retirement Arrangements}
Now, an IRA is good to have if you work for a small company
that does not have a retirement plan. You contribute a set
amount, and the company also contributes, through payroll
deduction. It is a good way to put aside some money for your
retirement. And with an IRA, like a 401k, the company
contributes also. It's like you get free money.
Also, like a 401k, if you want to take money from your IRA,
there are penalties and fines. These types of plans are not
meant to be like a bank account, or saving account. They are
for investment in your future. That is one reason for the
penalties and fines.
In order to be allowed to withdraw funds, you have to have a
good reason. You don't want to take funds to go on vacation,
or buy new clothes. Or that new LCD TV that you want.
The money that you lose from penalties is substantial, so only
take money from these types of plans as a last resort. If you
really need the money. For life changing events. The only one
that I really think that falls into this category is JOB LOSS.
Now, in a normal economy where most people don't have much
of a problem finding a job, there most likely wouldn't be any
reason to withdraw any of your money. In the times we live in,
most married couples both need to work, just to survive.
So, if one of you lose your job, after a short time it gets real
rough to get your bills paid. And when that person cant find a
job for any length of time, you begin to worry.
And what about if BOTH of you lose your jobs? It sure doesn't
take a rocket scientist to figure it out. If your living pay
check to pay check, as so many people are, then what do you do?
Over the years, I have heard that everyone SHOULD have enough
of money in a savings account to get you through 6 months of all
your living expenses.
How many people do you know that have that much money?
How can the average person, married or single, put away ANY
money raising a family? Unless you make over $100,000 a year,
you just cannot afford to save enough to get you through 6
months without a job.
Some people that are married only stay together for the income.
They just cant live on their own, with just one check. And the
way it is today, that check for allot of people, is not from a
job, its from UNEMPLOYMENT
Now if you are married, and both of you are unemployed, what
do you do?
The only thing you can do is look at your IRA or 401k. You go
for as long as you can before you decide you have no choice.
This is when you find out, first hand, how bad things really are.
I fall into this category. Both unemployed, running out of money,
and have no choice but to take my IRA, before I cant pay the bills.
The only thing I can say is DO NOT wait until the last moment.
Do not wait until your mortgage is past due, or your car is about
to be repossessed. And now I'm going to tell you why.
These investment firms do not want to give you your money.
They PLAY games with you.
You make that dreaded first phone call, asking to get your money
and they tell you " I have to research your account, and I will
call you back". That call may not come. In my case that's what
happened. I had to call again to hear, " Oh, I was supposed to
call you, wasn't I? I'm having trouble getting into your account".
After 6 days of me waiting, I'm told nothing has been started.
Is that what I wanted to hear? Not on your life. Will I ever be
able to get my money? I guess time will tell.
IRA'S and 401K's are real. They are good investments for your
future. But there comes times that you have to make a choice.
Can I afford NOT to get my money NOW and hope I can keep
the roof over my head and food on the table?
Everyone has to make that choice for themselves.
If you can wait it out, then that's what you should do. I waited
as long as I could.
My wife has been out of work for 5 months, me for one month. I
waited as long as I could, so for me I had to make the choice to
TRY to get my money. Now I will see what happens.
These investment plans ARE NOT SCAMS. They are designed
for retirement. And by what I'm going through, it shows me that
money is tight, all over. But we all have to do whats right for us.
The economy WILL get better. And if the people that have money
get off their butts and spend some, it will get better soon.
I'm not too worried for me, but I do worry about the people that
have no place to turn. The people that were never able to afford
an IRA or a 401k.
The people that have no more unemployment, and no home.
I never imagined that I would see the economy get as bad as it
is.
To place the blame, would be no help to anyone. We just
need to correct the mistakes we made, we ALL made. I only
hope that we have learned a valuable lesson. I know I have.
If we all help each other get through this, it will get better soon.
I'm not a very religious person, but I do have faith. I have faith
in God, and myself. What better combination can you ask for.
We can never lose our faith!
We can never give up!
Tuesday, March 31, 2009
Thursday, March 26, 2009
Is Honesty The Best Policy?
All my life I have lived by the notion that it is best
to be honest. I have never felt that any good would come
from lying or cheating. I have lived by the way I would
want to be treated.
After all these years, my thoughts are beginning to
change. Its the first time, in all my life, that I ever
felt that being honest may not be the right way to be.
Have you ever known someone that has all the things you
wish you had, and seems like no matter how much they lye
and cheat, they always get what they want?
I certainly have known a few people like that. People that
will come to you asking to borrow a few bucks because they
need to fix their car, or pay a bill, and will pay you back,
but never do. You feel bad and never ask for your money.
Then you find out that they just went on vacation for 2 weeks.
Or how about the people that go to a restaurant, eat most of
their meal, then they complain that the food was terrible,
and refuse to pay. Free meal.
How about the people that cheat Welfare. I know someone that
was collecting a Welfare check for a son that was MARRIED.
These people lived like Kings and Queens. Talk about cheats!
I had a relative ask me to go into business with him, if I
put up the money. He already had work, and needed money for
supplies. He said, just give me $1,000 cash, so he could get
the supplies, and he would do the work. I didn't have to do
any work, just give him the money.
I said I will go with you to get the supplies, and help do
the work.
The very next morning, to my surprise, he left town. It was
planed all along. The plan got messed up because I didn't
give him the money. And this was a relative!
How can people like this live with them self?
Am I missing something?
Is that the only way you can get what you want?
How in the world can these people feel good about doing
things like this?
What am I doing wrong?
These are only a few of the types of people that I have
personal knowledge of.
So sad. So sad that there are REAL people like this. These
are the same people that would go crazy if someone did
something like this to them. These are the people that
SHOULD have these things happen to them.
I'm not a vengeful person, but I sure would like to see
the day that these dishonest people get what they give.
So, is honesty the best policy?
At this time in my life, I just don't know.
What I do know is that I will never change. I live
an honest life, always have, and I assume I always will.
Right or wrong, its all I know.
You cant teach an old dog new tricks.
to be honest. I have never felt that any good would come
from lying or cheating. I have lived by the way I would
want to be treated.
After all these years, my thoughts are beginning to
change. Its the first time, in all my life, that I ever
felt that being honest may not be the right way to be.
Have you ever known someone that has all the things you
wish you had, and seems like no matter how much they lye
and cheat, they always get what they want?
I certainly have known a few people like that. People that
will come to you asking to borrow a few bucks because they
need to fix their car, or pay a bill, and will pay you back,
but never do. You feel bad and never ask for your money.
Then you find out that they just went on vacation for 2 weeks.
Or how about the people that go to a restaurant, eat most of
their meal, then they complain that the food was terrible,
and refuse to pay. Free meal.
How about the people that cheat Welfare. I know someone that
was collecting a Welfare check for a son that was MARRIED.
These people lived like Kings and Queens. Talk about cheats!
I had a relative ask me to go into business with him, if I
put up the money. He already had work, and needed money for
supplies. He said, just give me $1,000 cash, so he could get
the supplies, and he would do the work. I didn't have to do
any work, just give him the money.
I said I will go with you to get the supplies, and help do
the work.
The very next morning, to my surprise, he left town. It was
planed all along. The plan got messed up because I didn't
give him the money. And this was a relative!
How can people like this live with them self?
Am I missing something?
Is that the only way you can get what you want?
How in the world can these people feel good about doing
things like this?
What am I doing wrong?
These are only a few of the types of people that I have
personal knowledge of.
So sad. So sad that there are REAL people like this. These
are the same people that would go crazy if someone did
something like this to them. These are the people that
SHOULD have these things happen to them.
I'm not a vengeful person, but I sure would like to see
the day that these dishonest people get what they give.
So, is honesty the best policy?
At this time in my life, I just don't know.
What I do know is that I will never change. I live
an honest life, always have, and I assume I always will.
Right or wrong, its all I know.
You cant teach an old dog new tricks.
Saturday, March 21, 2009
Job Loss, Can I Survive ?
I, like so many other people, have come to a time that I
didn't think would ever come. After, more than 10 years
at the same company, I've been laid off.
Not a shock, but not expecting it either. The future is so
uncertain, we can only hope the economy turns around
soon. In the meantime we just have to try to make ends
meet, like so many others.
My wife also was laid off 5 months ago, from her job after
more than 13 years with the same company. There has
been no sign of any job offers coming her way, no reply
to resumes, and I see nothing telling me that it will be
any better for me.
Being that we are both part of the Baby Boomer era, too
young to retire, too old to start a new career, we're kind
of caught in the middle. What few job's there are, I don't
see either of us going to the front of the line. There is just
far too much, younger competition. Employer's can now,
more than ever in my life, be as choosy as they want to be.
They now can afford to pick the cream of the crop, and pay
what they want to. Who in their right mind would turn down
a job, for less money then their accustomed to, if they don't
have a job, but have a family to support? That is what I feel
is going to happen.
Like the real estate market, the time to buy property is now,
the same holds true for employer's. If your business has
work, and you need to hire people, it is a good time to get
the best people, at a price that will help your company
continue and possibly grow.
It's not very hard to understand why there are so many
homeless people. If you ever thought of the homeless being
low class people, or lazy people, you really should pray to
god that you never find yourself in an unemployed position,
for a long period of time,with no steady income.
Where do you think many homeless people came from?
Do you think they just popped up one day?
They are people just like us, that for one reason or another,
have lost their income.
Homeless does not only mean people that live on the street.
It also includes people that go from house to house to stay
with a family member or a friend because they have no home
of their own.
So, because I only lost my job this week, I am not too worried
at this time. If the job market starts a comeback soon, I should
be OK. I know many people have not worked for over a year,
and more. But I feel confident that it wont take me long to get
back on track.
I am searching daily for a job and have been sending resumes out
regular, with no replies so far.
I'm in a better position than lot's of people that are out of work,
so I think I will be alright. Its not time to panic yet.
So, will I survive my job loss?
I certainly hope so.
God help us all
didn't think would ever come. After, more than 10 years
at the same company, I've been laid off.
Not a shock, but not expecting it either. The future is so
uncertain, we can only hope the economy turns around
soon. In the meantime we just have to try to make ends
meet, like so many others.
My wife also was laid off 5 months ago, from her job after
more than 13 years with the same company. There has
been no sign of any job offers coming her way, no reply
to resumes, and I see nothing telling me that it will be
any better for me.
Being that we are both part of the Baby Boomer era, too
young to retire, too old to start a new career, we're kind
of caught in the middle. What few job's there are, I don't
see either of us going to the front of the line. There is just
far too much, younger competition. Employer's can now,
more than ever in my life, be as choosy as they want to be.
They now can afford to pick the cream of the crop, and pay
what they want to. Who in their right mind would turn down
a job, for less money then their accustomed to, if they don't
have a job, but have a family to support? That is what I feel
is going to happen.
Like the real estate market, the time to buy property is now,
the same holds true for employer's. If your business has
work, and you need to hire people, it is a good time to get
the best people, at a price that will help your company
continue and possibly grow.
It's not very hard to understand why there are so many
homeless people. If you ever thought of the homeless being
low class people, or lazy people, you really should pray to
god that you never find yourself in an unemployed position,
for a long period of time,with no steady income.
Where do you think many homeless people came from?
Do you think they just popped up one day?
They are people just like us, that for one reason or another,
have lost their income.
Homeless does not only mean people that live on the street.
It also includes people that go from house to house to stay
with a family member or a friend because they have no home
of their own.
So, because I only lost my job this week, I am not too worried
at this time. If the job market starts a comeback soon, I should
be OK. I know many people have not worked for over a year,
and more. But I feel confident that it wont take me long to get
back on track.
I am searching daily for a job and have been sending resumes out
regular, with no replies so far.
I'm in a better position than lot's of people that are out of work,
so I think I will be alright. Its not time to panic yet.
So, will I survive my job loss?
I certainly hope so.
God help us all
Thursday, March 19, 2009
A Good Scam Never Dies
One very important lesson I have learned is that a good scam
never dies. It just lives on and on. I sure can't explain it. You
would think that a scam would run its course, steal from as
many people as possible over a short time, and be done before
the law gets too close. For some scams, that's not true.
Is the old saying by Will Rogers the most likely reason for it.
Theres a sucker born every minute.
What a cruel thing to say.
But what else can explain it.
And is this a true statement? We try to figure out what it is
that makes us do the exact thing's that we know is wrong.
Does that make us a sucker?
You know the feeling you get when you send some money to
someone you don't know, hoping that whatever it is you send
that money for is real. You think to yourself, boy, I just hope
this works, or am I stupid for doing this. Does that make us a
sucker?
And you would have to think that the thief that is running the
scam has to get caught up to.
Let's say you read an ad and it says to send $ 49.99 and start
to make $5,000 a week within 30 days. You see this and you
just laugh. What a scam you say. Then you just go on with what
you were doing and forget it.
A month later you see this same ad again and think, man, that
ad is still running. What a joke. Then you just continue on to
whatever it is that you were doing and forget about it.
Then maybe a couple more months go by and you happen to
see this same ad, now you start to think. IS THIS A SCAM?
Unfortunately logic does not fit. Your beginning to think that
maybe there is something to this. How can this still be running
if it was a scam? They can't be running this ad over and over if
it was a scam. Right? Can they?
I know there is law enforcement agencies that scour the Internet
looking for scams and tracking down the thief's that run them.
If this is still running, there must be some truth to the ad. Now,
you begin to think, hey, Maybe it is real. Maybe this is the one
that will work for me. I don't want to miss out on something good.
I don't want to miss my opportunity to make the income that I've
been looking for.
So, guess what? Yup. You do it. You send your money and
you get the info that you sent your hard earned money for, and
then it hits you. And it hits you hard. Like a brick.
A damn scam! Why the heck did I do it? Am I stupid? Why did
I do it. I know better than that, don't I?
Does knowing better really help? NO. Why? It's simple. Because
I still went ahead and did it. Even though I knew better. What a
fool. A sucker. Dumb, Dumb, Dumb.
Who is to blame? Is there someone to blame? I guess we need to
put on the brake"s and hold up and think it out.
So, you start to think, really think.
Am I stupid? Can it be that all these so called scams that I have
spent so much money on , over the years, not be scams?
Can it be that it's been ME all along. Can it be that most, if not
all the program's and business opportunities, that I have spent
so much money and time on over the years, been REAL?
Is it that I'm just not smart enough to make money from home.
Or, not cut out to run my own business. Maybe I'm not looking
at it the way I should. Could it just be too hard for me to follow
the instruction's and direction I'm told to, in order to succeed?
Maybe there is no explanation. Maybe what will be will be.
And just maybe, I am a sucker that was born in that minute.
never dies. It just lives on and on. I sure can't explain it. You
would think that a scam would run its course, steal from as
many people as possible over a short time, and be done before
the law gets too close. For some scams, that's not true.
Is the old saying by Will Rogers the most likely reason for it.
Theres a sucker born every minute.
What a cruel thing to say.
But what else can explain it.
And is this a true statement? We try to figure out what it is
that makes us do the exact thing's that we know is wrong.
Does that make us a sucker?
You know the feeling you get when you send some money to
someone you don't know, hoping that whatever it is you send
that money for is real. You think to yourself, boy, I just hope
this works, or am I stupid for doing this. Does that make us a
sucker?
And you would have to think that the thief that is running the
scam has to get caught up to.
Let's say you read an ad and it says to send $ 49.99 and start
to make $5,000 a week within 30 days. You see this and you
just laugh. What a scam you say. Then you just go on with what
you were doing and forget it.
A month later you see this same ad again and think, man, that
ad is still running. What a joke. Then you just continue on to
whatever it is that you were doing and forget about it.
Then maybe a couple more months go by and you happen to
see this same ad, now you start to think. IS THIS A SCAM?
Unfortunately logic does not fit. Your beginning to think that
maybe there is something to this. How can this still be running
if it was a scam? They can't be running this ad over and over if
it was a scam. Right? Can they?
I know there is law enforcement agencies that scour the Internet
looking for scams and tracking down the thief's that run them.
If this is still running, there must be some truth to the ad. Now,
you begin to think, hey, Maybe it is real. Maybe this is the one
that will work for me. I don't want to miss out on something good.
I don't want to miss my opportunity to make the income that I've
been looking for.
So, guess what? Yup. You do it. You send your money and
you get the info that you sent your hard earned money for, and
then it hits you. And it hits you hard. Like a brick.
A damn scam! Why the heck did I do it? Am I stupid? Why did
I do it. I know better than that, don't I?
Does knowing better really help? NO. Why? It's simple. Because
I still went ahead and did it. Even though I knew better. What a
fool. A sucker. Dumb, Dumb, Dumb.
Who is to blame? Is there someone to blame? I guess we need to
put on the brake"s and hold up and think it out.
So, you start to think, really think.
Am I stupid? Can it be that all these so called scams that I have
spent so much money on , over the years, not be scams?
Can it be that it's been ME all along. Can it be that most, if not
all the program's and business opportunities, that I have spent
so much money and time on over the years, been REAL?
Is it that I'm just not smart enough to make money from home.
Or, not cut out to run my own business. Maybe I'm not looking
at it the way I should. Could it just be too hard for me to follow
the instruction's and direction I'm told to, in order to succeed?
Maybe there is no explanation. Maybe what will be will be.
And just maybe, I am a sucker that was born in that minute.
Saturday, March 14, 2009
Why ?
This is a word that I have asked myself many time's.
Why are there so many people on this earth that take
advantage of other people.
Why, will someone that makes a good and honest
living online, not help another person or two do
the same without cost. Wouldn't you think that
would be helping not only the people they help,
but it would help to bring this recession to an end.
Anyone hear of " Pay it forward ".
Are they really caught up in themselves that much ?
I just don't know.
Is it the hard time's we live in? I just don't know.
Is it because of greed? I just don't know.
Maybe these people have been taken advantage
of themselves, and do the same to others
I just don't know.
Maybe they think we are weak. Well we are not weak.
Gullible, yes, but weak? Not on your life. We are
some of the strongest people. We follow direction, and
work hard. And don't give up easy.
And WE are the first people that will help anyone
help themselves. And not look for anything back in
return, except a thank you.
It sure is sad that the people that don't have much,
and are honest people, get scammed by these thug's.
Just being someone that only wants to earn an honest
living seem to get caught up in one of these scams.
I know that it's not only less fortunate people like
myself. But we are the people that get hurt,
financially, more than the guy that doesn't worry
about his low paying job, or maybe health issues
of his or his family.
People like me are only trying to make it
in such a bad economy. If you are like me, you
are not out to prosper by being a thief.
I have been one of these people that gets drawn
into these scams. Time after time over the years,
long before computer's and the Internet, I have
fallen for some sort of scam or another. With my
only purpose, of earning an honest living, to support
my family and live a quiet and meaningful life.
I have always said there has to be a better way.
Someday I will find it. So I try over and over again,
with each program or idea or business opportunity
thinking this has to be the one. I finally found it.
Then the bubble bursts. The excitement is over
and the reality takes over. This is not the one.
Scammed again.
For some reason my wife has never, ever, said
I told you so. She never discouraged me because
I think she understands that it is just part of me.
If I didn't try, I would never find a better way.
Thats all I ever want. A better way to live.
So, I just keep going and going and always try
again. Maybe the next time will be the one. I have
never been the type of person to give up on anything.
But I have to come to the realization that I'm basically
running out of time. I can longer eat my loses.
The matter of the economy is part of that.
With age creeping up and health issues that will
not quit, time is not on my side.
So, I sit sometimes and wonder, WHY ?
I may never know the answer to that one simple
word. I still look for that one email, or that one
website that I find just by chance, or maybe on
that forum that I go to searching for a review on
something I found.
When I stop breathing, my search will be over.
And I may never find the answer to WHY ?
Why are there so many people on this earth that take
advantage of other people.
Why, will someone that makes a good and honest
living online, not help another person or two do
the same without cost. Wouldn't you think that
would be helping not only the people they help,
but it would help to bring this recession to an end.
Anyone hear of " Pay it forward ".
Are they really caught up in themselves that much ?
I just don't know.
Is it the hard time's we live in? I just don't know.
Is it because of greed? I just don't know.
Maybe these people have been taken advantage
of themselves, and do the same to others
I just don't know.
Maybe they think we are weak. Well we are not weak.
Gullible, yes, but weak? Not on your life. We are
some of the strongest people. We follow direction, and
work hard. And don't give up easy.
And WE are the first people that will help anyone
help themselves. And not look for anything back in
return, except a thank you.
It sure is sad that the people that don't have much,
and are honest people, get scammed by these thug's.
Just being someone that only wants to earn an honest
living seem to get caught up in one of these scams.
I know that it's not only less fortunate people like
myself. But we are the people that get hurt,
financially, more than the guy that doesn't worry
about his low paying job, or maybe health issues
of his or his family.
People like me are only trying to make it
in such a bad economy. If you are like me, you
are not out to prosper by being a thief.
I have been one of these people that gets drawn
into these scams. Time after time over the years,
long before computer's and the Internet, I have
fallen for some sort of scam or another. With my
only purpose, of earning an honest living, to support
my family and live a quiet and meaningful life.
I have always said there has to be a better way.
Someday I will find it. So I try over and over again,
with each program or idea or business opportunity
thinking this has to be the one. I finally found it.
Then the bubble bursts. The excitement is over
and the reality takes over. This is not the one.
Scammed again.
For some reason my wife has never, ever, said
I told you so. She never discouraged me because
I think she understands that it is just part of me.
If I didn't try, I would never find a better way.
Thats all I ever want. A better way to live.
So, I just keep going and going and always try
again. Maybe the next time will be the one. I have
never been the type of person to give up on anything.
But I have to come to the realization that I'm basically
running out of time. I can longer eat my loses.
The matter of the economy is part of that.
With age creeping up and health issues that will
not quit, time is not on my side.
So, I sit sometimes and wonder, WHY ?
I may never know the answer to that one simple
word. I still look for that one email, or that one
website that I find just by chance, or maybe on
that forum that I go to searching for a review on
something I found.
When I stop breathing, my search will be over.
And I may never find the answer to WHY ?
The Phone Scam
One of the scams that have been around for
some time now is the Phone Scam, as I call it.
You get a phone call and someone tells you that
they want your name and address so they can
send you a package in the mail.
You ask, " What Package ? ". They say oh its
a package to show you how to make money on
Google. You say, " is it free? ", and they say
YES.
You decide to give the info they ask for until
they say, OK, Now I need your number, and
you say, " What number?. They say your credit
card number. But, you say, you told me its free.
Then they tell you that IT IS FREE, but there is
a small shipping charge of $ 3.99 and I can
just put that on your credit card or Debit card.
Unless you were expecting this call and know
who this is NEVER GIVE THEM ANY FINANCIAL
INFORMATION, NEVER !
This exact thing happened to my wife 3 /12 /09.
They told her that " your husband asked for this
and he knows all about it." What a scam. I
knew nothing of this and if I did know, I will tell
you one very important thing.
My wife did exactly as she should have. She
said " I'm not giving you my credit card #.
As fast as my wife told her that, the woman said,
" I'm sorry ", and hung up.
She was sorry alright, sorry that she didn't
phone a Sucker and get her credit card #.
When my wife told me about this, I told her
At least one of us is smart. You did the right
thing. Never give out any kind of credit card
info to someone that call's and you don't
know who they are.
So, remember, if someone call's you on the
phone and tell's you they want to send you
something for free, tell them ok. But if they
continue on and say " YOU JUST HAVE TO
PAY A SMALL SHIPPING FEE, tell them
to forget it. Because they already lied to you.
Paying even one penny no longer makes it free.
some time now is the Phone Scam, as I call it.
You get a phone call and someone tells you that
they want your name and address so they can
send you a package in the mail.
You ask, " What Package ? ". They say oh its
a package to show you how to make money on
Google. You say, " is it free? ", and they say
YES.
You decide to give the info they ask for until
they say, OK, Now I need your number, and
you say, " What number?. They say your credit
card number. But, you say, you told me its free.
Then they tell you that IT IS FREE, but there is
a small shipping charge of $ 3.99 and I can
just put that on your credit card or Debit card.
Unless you were expecting this call and know
who this is NEVER GIVE THEM ANY FINANCIAL
INFORMATION, NEVER !
This exact thing happened to my wife 3 /12 /09.
They told her that " your husband asked for this
and he knows all about it." What a scam. I
knew nothing of this and if I did know, I will tell
you one very important thing.
My wife did exactly as she should have. She
said " I'm not giving you my credit card #.
As fast as my wife told her that, the woman said,
" I'm sorry ", and hung up.
She was sorry alright, sorry that she didn't
phone a Sucker and get her credit card #.
When my wife told me about this, I told her
At least one of us is smart. You did the right
thing. Never give out any kind of credit card
info to someone that call's and you don't
know who they are.
So, remember, if someone call's you on the
phone and tell's you they want to send you
something for free, tell them ok. But if they
continue on and say " YOU JUST HAVE TO
PAY A SMALL SHIPPING FEE, tell them
to forget it. Because they already lied to you.
Paying even one penny no longer makes it free.
Thursday, March 12, 2009
Car Insurance
I don't say that car insurance is a scam, that would be
stupid. But what I can't stand is some of the interesting
and misleading car insurance ad's that are all over the place.
And it's not the insurance companies that run these ad's.
I would guess the insurance companies must do alright
from these ad's because I think they would put a stop
to it themselves.
You know the ad's I'm talking about. The headline Say's
thing's like, People all over are spending $ 49.00 a month
on their car insurance, why should you spend more ?
Click here.
So, you think, hey my car insurance is running out soon, I
sure would like to save money on my car insurance, so you
click the link.
The page it brings you to asks you to enter your vehicle type
and all that information. Then some basic info about the
driver, location, etc. all standard info that you would expect
when filling out a form for car insurance.
Then you click the submit button. Then BANG, here it is.
No quote, just a message that Say's, You will be contacted
by all the agent's that fit your needs for car insurance.
That is what gets me upset. They don't tell you upfront that
they are only getting your info to send to agent's to give
you a quote on your car insurance.
You not only don't get an instant quote, but now your
email in box starts to fill with email's from insurance Co's.
And then the phone starts to ring from these same people.
If they just come right out and tell you that they only pass
your info to car insurance companies, that would be OK.
It's their little gimmick, their pitch, their way to get you to
click the link.
I believe in free enterprise, and freedom for us all to make
a living. But the misleading ad's just make me crazy.
Car insurance is something that we all need and we all
pay too much money for, mainly because of the scams
that people run on them. Car insurance false claims are a
big reason why we pay so much.
I don't mean honest claims, I mean claims that are just
to DE-fraud the car insurance company, like claiming to
have been injured, when not. Imagine how much money
car insurance companies pay out on false claims.
It has to be mind boggling.
I just think that when we need to look for new car
insurance, we shouldn't have to be frustrated with
these misleading ad's.
Tell me up front, that's all I ask.
stupid. But what I can't stand is some of the interesting
and misleading car insurance ad's that are all over the place.
And it's not the insurance companies that run these ad's.
I would guess the insurance companies must do alright
from these ad's because I think they would put a stop
to it themselves.
You know the ad's I'm talking about. The headline Say's
thing's like, People all over are spending $ 49.00 a month
on their car insurance, why should you spend more ?
Click here.
So, you think, hey my car insurance is running out soon, I
sure would like to save money on my car insurance, so you
click the link.
The page it brings you to asks you to enter your vehicle type
and all that information. Then some basic info about the
driver, location, etc. all standard info that you would expect
when filling out a form for car insurance.
Then you click the submit button. Then BANG, here it is.
No quote, just a message that Say's, You will be contacted
by all the agent's that fit your needs for car insurance.
That is what gets me upset. They don't tell you upfront that
they are only getting your info to send to agent's to give
you a quote on your car insurance.
You not only don't get an instant quote, but now your
email in box starts to fill with email's from insurance Co's.
And then the phone starts to ring from these same people.
If they just come right out and tell you that they only pass
your info to car insurance companies, that would be OK.
It's their little gimmick, their pitch, their way to get you to
click the link.
I believe in free enterprise, and freedom for us all to make
a living. But the misleading ad's just make me crazy.
Car insurance is something that we all need and we all
pay too much money for, mainly because of the scams
that people run on them. Car insurance false claims are a
big reason why we pay so much.
I don't mean honest claims, I mean claims that are just
to DE-fraud the car insurance company, like claiming to
have been injured, when not. Imagine how much money
car insurance companies pay out on false claims.
It has to be mind boggling.
I just think that when we need to look for new car
insurance, we shouldn't have to be frustrated with
these misleading ad's.
Tell me up front, that's all I ask.
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