Yep, never to be let down, just the consistent NOTHING. Good job champ.Quote:
Originally Posted by Keystone
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Yep, never to be let down, just the consistent NOTHING. Good job champ.Quote:
Originally Posted by Keystone
Actually most of those posts were made when I owned this forum and I was participating in my investment.Quote:
Originally Posted by kewlJSays the doofus with 15,700+ posts. ;)Quote:
Originally Posted by Alan Mendelson
Kewlj why do you call me names? I've never called you a name -- not once. But here you call me a doofus. In other threads you've called me a shyster. I think you once called me a Nazi. Me, Jewish, a Nazi?
Should I return the favor, kewlj, and start calling you names?
Oh Alan stop. And people say I have thin skin. :rolleyes: A doofus is a loveable character. It's a playful term.Quote:
Originally Posted by Alan MendelsonActually most of those posts were made when I owned this forum and I was participating in my investment.Quote:
Originally Posted by kewlJSays the doofus with 15,700+ posts. ;)Quote:
Originally Posted by Alan Mendelson
Kewlj why do you call me names? I've never called you a name -- not once. But here you call me a doofus. In other threads you've called me a shyster. I think you once called me a Nazi. Me, Jewish, a Nazi?
Should I return the favor, kewlj, and start calling you names?
I do not remember calling you a Nazi, Alan. But if I did, I am sure you or coach belly will find the quote. ;)
But in all seriousness, Alan. I do blame you for this episode of 'hate' and bitterness currently running wild on the forum. Things were going along well. I don't have a problem with you deciding to return and participate, but you immediately began lobbying for Singer's return, a hate mongrel that you have enabled for years. And Singer's return emboldened and empowers his followers and fellow haters, like Blackhole.
And then you stand by and say nothing as these bitter haters drag the site into the gutter. I think you Alan are better than that, better than the rest of these haters, but each time I try to give you the benefit of doubt, you prove me wrong.
It almost feels like you would like to see this site fail and in turmoil because you no longer own it. Then you can say "see I told ya so".
I followed Rob's 5th card flip nonsense from the beginning. This is going to crush you but Rob never collected any evidence on it. He made the whole thing up to back up his claim that machines aren't random. He a compulsive liar.Quote:
Originally Posted by Alan MendelsonWrong again Mickeycrimm. He said he plays in casinos expecting the machines to be true.Quote:
Originally Posted by mickeycrimmSinger's premise was the 5th card flip problem was common to all machines. Face it, Alan. Rob is a compulsive liar.Quote:
Originally Posted by Alan Mendelson
And you know how you absolutely KNOW this Rob Singer person is a liar and scammer? All the sock puppets! Rob or whatever his name is....is the KING of Sockpuppets...on this site....on every site he has been on. He can NOT find any legitimate players or math people to support anything he says, so he makes up an army of fake, phoney people to vouch for him. It's pathetic. It's sick. There really is some mental issues going on there. :(Quote:
Originally Posted by mickeycrimm
Perhaps even sadder is that those that support him, fall for his shenanigans, sometimes helping him or at least enabling him to mislead people with his phoney baloney crap.
And it's worth adding that if machines are randomly dealing and drawing cards, the highest EV play is the best way to hit a win goal.Quote:
Originally Posted by mickeycrimmI followed Rob's 5th card flip nonsense from the beginning. This is going to crush you but Rob never collected any evidence on it. He made the whole thing up to back up his claim that machines aren't random. He a compulsive liar.Quote:
Originally Posted by Alan MendelsonWrong again Mickeycrimm. He said he plays in casinos expecting the machines to be true.Quote:
Originally Posted by mickeycrimm
There is only one person now responsible for all of the hate on this forum: Dan Druff. He could end it but doesn't.
That's nonsense. This was Argentino, plain and simple.Quote:
Originally Posted by Alan Mendelson
Mr. Mendelson started lobbying for Argentino's return right after Argentino posted three repetitive rambles on Gambling Forums that were pointed directly at me. Now either Mr. Mendelson read these, or he made some kind of choice to not read them. They were mentioned here, so he had to be aware of them. In them, Argentino claimed I was never married (my wife died 16 years ago), that I was texting him to sell him stuff, and that I was "shacked up" with two guys and on my knees and so on. Lovely stuff. Complete fabrication out-of-the-blue stuff. And he opened his GF spiels with the usual mickey crimm attack rants, which were actually milder and less weird than what was directed at me.
I responded at GF by telling Argentino what a hot man he is.
So Mr. Mendelson obviously knew that by lobbying for Argentino's return, he was likely importing the usual racist, sexist, homophobic personal attacks and nonsense. And Argentino did not disappoint.
Argentino got embarrassed when he made an array of claims that were provably wrong regarding everything from mickey crimm posting fake photos to what sports books are associated with what casinos to his old fifth card flipover interviews. You have to really work to be that wrong about that many things.
The hate came from Argentino, and he had a full warmup over at GF.
Could you imagine the world being one big casino, and having to bang elbows with the likes of Mickey, everyday?Quote:
Originally Posted by Alan Mendelson
It is an interesting question as to whom/who, should/would, be in the line of fire? That would open up another Pandora's box of arguing.Quote:
Originally Posted by Alan Mendelson
You expressed a "christian," warm, empathetic sentiment there KJ but somehow I cannot see you or anyone else on this forum actually PRAYING for Blackhole.Quote:
Originally Posted by kewlJ
When I was a kid I prayed every night before bed; got on my knees and went through the "Now I lay me down to sleep, I pray the lord my soul to keep; god bless..."
When, where and how do you actually "pray" for BH?
Or, as I suspect, was your comment a figure of speech, a polite euphemism used for rhetorical purposes?
I tried it once one time. Nothing happened.Quote:
Originally Posted by MisterV
I did it for years.
Part of the long term mind-fucking which was part of being raised catholic.
Wow there's more hate spewed when I'm off living life than when I'm actually posting! But you guys are making this like picking off sitting ducks....which spells F-U-N :) We came to Tucson first to pick up our son who wants to be dropped off at an army friend's place in Colorado. So I'm spending an hour of pure entertainment right now.
1) kew---all you do is whine, whimper, and squeal like a little bitch when things aren't going your way. So you can't get people to buy in to your "I'm a pro BJ player who can also count 2 tables simultaneously" crap? Tough love. And even if your didn't say you are a homo anyone could tell anyway. You ever notice that you cry to Dan about all those who don't believe your nonsense? So get a life that doesn't include your having to stress out in front of everyone here. That crazy mixed up screwball "partner" of yours you keep whimpering about? Ever think that if he didn't have the sane twisted lifestyle you do he'd still be around?
2) LarryS: yes you do post too much...over the "long-term", and way more than me when you add in all the forums you bless with your membership. I'm clustering my postings here because unlike you and your toe-picking existence as a couch potato, I'm a busy guy. And instead of cherry-picking mickey's silly drive-by pics just so you can argue with me, go back and look at them all. You've got the time. He pulls a lot of them from websites and some he doesn't. After all, if you led a nothing life like he always has, wouldn't YOU want to make up something in your declining years for dignity's sake?
3) mickeycrimm again. You say you've FOLLOWED my 5th card flipover info "from the beginning"? Well then you'd have known I told Shack that I have not found it on many of the machines I tested, and I've said it multiple times. I know you drink heavily over this, but at your nickel and quarter play levels you really have nothing to worry about.
4) redietz: you're such an anonymous cowardly liar that whenever anyone gets under your skin, you have no choice but to turn to the next biggest problem for habitual liars---denial. You had no wife and you know why I know this? Because WHO WOULD MARRY A DO-NOTHING LIKE YOU? Fabricating a wife goes hand-in-hand with all of your deceiving, shifty replies on everything you're challenged about. Now you're trying to be perceived as moving huge numbers in bitcoin at online casinos without ever really coming right out and saying it, just as you do with every other issue that's confronts you. And OH WHAT A NERVE I struck when I exposed your sleazy solicitation texts with the typical "can't miss"picks and "we were 9-1 yesterday!!" If I kept that bs I'd have posted it by now, and as a chickenshit you stopped sending them when I turned the light on. Send me another one so I can post it. You can ever chant your favorite call in it---"Argentino Argentino" for extra credit.
5) Last and least, monet, What an idiot. Too stupid and broke to get medical attention. And if you really had colon cancer that brings out bleeding you'd have croaked years ago. Nothing you say rings true about anything, except for putting up pics of other people's free play coupons. It's widely known that AP's are walking slobs loaded with social problems and illnesses because they have little money to take care of themselves properly with. See mickeycrimm for proof. "I'm a professional, I'm a professional"--yeah right. But if you really have all that metastasized cancer in you....good riddance fool.
Ron Singer will most likely die of cancer.
That was actually funny. I have a sneaky suspicion those texts I was sending Argentino are in that storage locker in Arizona.
He seems to have gone off the rails a bit. Being the sexiest man alive has its own kinds of stresses and pressures, I'm sure. Add to that being the world's greatest video poker player, and it's a tough road to hoe.
How desperate is a person when he argues that photos of casinos aren't real (evidence is in the storage locker) and that somebody posting under a real name is anonymous? I'm surprised Mr. Mendelson hitched his reputation to this wagon.
Seriously though, how about some photoshopped pictures of "outback" casinos on the moon with your rearview mirror in there? Just to keep toe-pickers us on our toes.
All Rob has to do is provide a link to a picture that was up on the internet before I put it in the road pic thread and I will send his buddy Alan $1000 to play video poker. Just a few clicks for Rob. Alan, don't hold your breath. Rob is a compulsive liar.Quote:
Originally Posted by redietz
Quote:
Originally Posted by mickeycrimmAll Rob has to do is provide a link to a picture that was up on the internet before I put it in the road pic thread and I will send his buddy Alan $1000 to play video poker. Just a few clicks for Rob. Alan, don't hold your breath. Rob is a compulsive liar.Quote:
Originally Posted by redietz
Wow -- you mean all Argentino has to do for Alan to make $1000 is provide a match to one of your photos that pre-dates yours? And he says he already has looked up multiple evidence? Boy, sure sounds like an easy $1000 to me. You're going to be mailing a check to that storage locker, for sure.
Yes, it would be a monumental AP: if he can pull it off.
This is THE ACID TEST.
I previously posted a request that Rob prove it, but no proof has been forthcoming.
Rob, not that you care what others may think of you, but it shouldn't take long for you to find and posts the phony casino pics you claim MC is trying to pass off as his own; how about giving you til 6PM PST to post proof or else it will be clear that your claim was bullshit?
Shut the fuck up Singer, you low life piece of garbage. My partner died from an aneurism, the origin of which was likely hereditary. Every freaking thing out of your mouth is a lie or something you know absolutely nothing about. You are both the biggest idiot and troll I have ever seen...by far.Quote:
Originally Posted by Rob.Singer
Nobody gives a shit about your convict son, locked up in some prison. Yeah drive your little trailer up for visiting day, you trailer park reject.
Redietz: Please stop telling this clown he is hot. He is too stupid to realize you are being sarcastic. This nutjob, with more hair on his back than his head, who looks like the missing link between man and beast thinks you are serious.
MrV: yes, I do pray daily. My relationship with god is pretty informal. I converse with him daily. I speak. He listens. Sometimes he answers my prayers. Sometimes he doesn't. Sometimes I question his plan and things that happen. But I trust there is a reason for everything. That is what faith is.
In fairness, no I haven't prayed for blackhole recently or regularly. But I have prayed for him in the past. And as promised I will pray for him today. I will ask my friend God, help blackhole find some happiness and contentment in life and steer him away from the anger, hatred and bitterness that consumes him.
I won't turn down any prayers.
I seem to recall something about the front and back of a coin posted by Crimm that he claimed is the same coin, but which turned out to be two different coins from one online coin auction or another. Was that in the picture thread, and what became of the coin or coins? I recall that Alan was in the thread.Quote:
Originally Posted by mickeycrimm
I recall the coin photos came from a book about colonial coins. Whether the obverse and reverse were of the same coin is not significant. The photos were used to catalog the coin.
Why are you asking?
If this occurred in the road picture thread, which I have a sneaking suspicion it did, then those photos would be evidence of ones that Crimm put up there after they were already on the internet.
. Since the whole medical arena is an extortion racket (IMHO) in the US, "bankrupt yourself or die"
that is capitalism.
You know, a guy gost to school for 8-10 years, and interns for a year or 2 for long hours and little money........and then has a chance to make a good wage...is going to do that in the world we live in.
Especially if during the 8 years of school they are accumulating250-350 k in debt.
And then when getting out and practicing, they are paying 20-30 k in malpractice insurance a year...out of their 200k a year before tax salary.
After taxes and insurance, if they have 120 k a year left..it would be alot. And then they can start to pay off their quarter of a million dollar school loan.
So dont blame the doctors. Blame the exorbitant price of universities, and the vulturing legal system that allows 100 million dollar payouts for lawsuits.that in other countries would pay 100-500k.
Its all included in the prices you pay although its all invisible.
Or pay for medical insurance. Of course having a family with kids is a good reason to carry insurance. On the other hand if your a hustling AP and suspect it's a -EV investment, why bother? Free play could eventually come into play, but AP's will take the odds and the temporary +EV and not insure.Quote:
Originally Posted by LarryS
That's when you know you're living a life of pathetic desperation when you'd rather gamble with the insurance money, instead of having insurance. Look at Monet trying to claim he don't believe in doctors. That's the typical loser line.
You don't have insurance?Quote:
Originally Posted by blackholeOr pay for medical insurance. Of course having a family with kids is a good reason to carry insurance. On the other hand if your a hustling AP and suspect it's a -EV investment, why bother? Free play could eventually come into play, but AP's will take the odds and the temporary +EV and not insure.Quote:
Originally Posted by LarryS
The coin pictures came from a published book. They were not mickey's.Quote:
Originally Posted by Bill Yung
Back to the drawing board, Inspector Cluseau. In my genealogy work I found a 4X greatgrandfather named Walter Mould who was a minter of coins in New Jersey. I figured the coins must be collector's item so looked for them on the internet. I found the New Jersey Horsehead Penny and posted a pic of the front and back in two different pics in the Genealogy thread. I didn't notice any difference but Alan did. He layed a trap by asking me if the coin was mine. I said no, that I had pirated the pics off the internet. Thats when he explained that the pics were of two different pennies.Quote:
Originally Posted by Bill Yung
Don`t hold your breath...of course it`s bullshit...but not as much bullshit as Hole`s claim he has friends in Arizona and California or that he contemplated buying a winter house in Florida or Nevada lol....this 70 something yr old loser can barely spellQuote:
Originally Posted by MisterV
there is a name for people who dont "believe" in doctors.......dearly departedQuote:
Originally Posted by blackholeOr pay for medical insurance. Of course having a family with kids is a good reason to carry insurance. On the other hand if your a hustling AP and suspect it's a -EV investment, why bother? Free play could eventually come into play, but AP's will take the odds and the temporary +EV and not insure.Quote:
Originally Posted by LarryS
That's when you know you're living a life of pathetic desperation when you'd rather gamble with the insurance money, instead of having insurance. Look at Monet trying to claim he don't believe in doctors. That's the typical loser line.
My father was from the old country in europe and needed bypass surgery. He "didnt believe in doctors".....so the man that survived concentration camps...could not survive his disbelief in the medical field and died rather early.
I think he just feared never waking up. And I think monet just doesnt want to know the bad news .
Your wrong... I know the bad news. I knew it when I was 9 years old. The bad news is that I am going to die and it doesn't matter when. I don't need a doctor to tell me something is wrong with my body... I can feel it. Many tribal people or Indians know when they are dying. This is nothing new. People like you want to take fake medicine or have surgery so you can live another 30 years to sit around and watch movies or build families are living in denial and a lie. You aren't going to be able to download little computers into your blood stream and live forever. You are the type of people who can't live with the bad news. The bad news that you will die very soon no matter if it is 40 years or 40 days... we are all going down.Quote:
Originally Posted by LarrySthere is a name for people who dont "believe" in doctors.......dearly departedQuote:
Originally Posted by blackholeOr pay for medical insurance. Of course having a family with kids is a good reason to carry insurance. On the other hand if your a hustling AP and suspect it's a -EV investment, why bother? Free play could eventually come into play, but AP's will take the odds and the temporary +EV and not insure.Quote:
Originally Posted by LarryS
That's when you know you're living a life of pathetic desperation when you'd rather gamble with the insurance money, instead of having insurance. Look at Monet trying to claim he don't believe in doctors. That's the typical loser line.
My father was from the old country in europe and needed bypass surgery. He "didnt believe in doctors".....so the man that survived concentration camps...could not survive his disbelief in the medical field and died rather early.
I think he just feared never waking up. And I think monet just doesnt want to know the bad news .
Given a choice between 40 years or 40 days. I'd like to die after another 40 years.
I'm 65 yrs. old. This post by you was an amazing nothing. You got NOTHING. Absolutely NOTHING. It's amazing how many times you could even post NOTHINGS. Your assumptions are also based on NOTHING. You should change your screen name to NOTHING. Your just a NOTHING person with a NOTHING mind. NADAQuote:
Originally Posted by Keystone
For people who get no joy in life and provide no joy to others, I can see the point that it doesnt matter when they die.
For people who provide no value in life to themselves or others...the same goes.
There are people who want to prolong joy. Prolong the value they get from others and give to others. Its selfish and giving at the same time. Being around for ones children to provide help and guidance, and the selfish need to feel joy when doing so.
The simple joysof planting flowers or growing vegetables, or fixing a car,or driving a car.
For people who look back on their lives as useless.....and look forward on their future as being similarly useless....then there is no reason to want to live.
Now I didnt say there should be no reason to live. Iam just saying that I can see it, if they felt that they didnt have a reason to live.
The lives we had lead in the past along with a view of poor prospects in the future can lead one to welcome death.
But there are others who have alot to look forward to, that shun the thought of death and will do all they can to prolong life...whether its for selfish reasons of continuing to live a happy fulfilling life,,,,,or for reasons to help others around them.....or a combo of both
[U]
Its all about having REASON.....if one has a reason to live....then they will fight death. If one doesnt have a reason to live they will standby and let mother naturedoits work.
Thats what seperates us from dogs or apes. They HAVE to let mother nature do its work. However we as humans can do something to prolong our lives.
How sad it would be if we let children die because we felt we are all destined to die so why not sooner than later.
Monets view is the view of someone who let a medical condtion go untreated for years and years and years.....so its convenient NOW to have that philosophy. Once you are at the point of no return.....I guess its mentally healthy to adopt that philosophy, rather than kick yourself and say "i should have had it looked at years ago"
Wow, the angry jackass roars, lol..good retort, very eloquent....First off Sir or Madam, you are more of a bullshit artist than the people you run around accusing here on a daily basis...you are about as credible as a Chinese nickle..I mean you can barely form a legit sentence, but you`re buying winter homes and have your make believe family all set for life...lastly I see you threw in some Spanish in your barely 3rd grade reply...stick to mastering the basic forms of English if you can, before you try butchering another language....get it dummy?Quote:
Originally Posted by blackholeI'm 65 yrs. old. This post by you was an amazing nothing. You got NOTHING. Absolutely NOTHING. It's amazing how many times you could even post NOTHINGS. Your assumptions are also based on NOTHING. You should change your screen name to NOTHING. Your just a NOTHING person with a NOTHING mind. NADAQuote:
Originally Posted by Keystone
Good post...the above highlighted,i.e. see Blackhole lolQuote:
Originally Posted by LarryS
Nothing .... Nothing .... Nothing .... Nothing ....Quote:
Originally Posted by Keystone
Okay, it's in your other main thread. No harm in expressing some doubt. I will check out that thread a little more closely, tomorrow. I guess that the lesson here is not to make large bets out of the blue in response to someone who is clearly just trying to provoke something. Why take the chance? BTW, it's Inspector Clouseau.Quote:
Originally Posted by mickeycrimmBack to the drawing board, Inspector Cluseau. In my genealogy work I found a 4X greatgrandfather named Walter Mould who was a minter of coins in New Jersey. I figured the coins must be collector's item so looked for them on the internet. I found the New Jersey Horsehead Penny and posted a pic of the front and back in two different pics in the Genealogy thread. I didn't notice any difference but Alan did. He layed a trap by asking me if the coin was mine. I said no, that I had pirated the pics off the internet. Thats when he explained that the pics were of two different pennies.Quote:
Originally Posted by Bill Yung
Larry, you've made some strides. At least you now believe that Monet is telling the truth about his medical issues.Quote:
Originally Posted by LarryS
Regarding medical expenses, in other countries, like England,Canada,Denmark, and Cuba for example, people don't have to go bankrupt to receive quality medical care.
You don't have to go bankrupt here either. If you have the wherewithal (be employed, or over the modest income threshold) you can buy insurance or have the lions share subsidized by your employer. If you're under the modest income threshold or not employed you get it free or at least subsidized via obamacare. Remember O'care only works for those who don't.Quote:
Originally Posted by tableplayLarry, you've made some strides. At least you now believe that Monet is telling the truth about his medical issues.Quote:
Originally Posted by LarryS
Regarding medical expenses, in other countries, like England,Canada,Denmark, and Cuba for example, people don't have to go bankrupt to receive quality medical care.
C'mon, the guy is blowing sunshine up our collective asses: he says he's got $900K.
Even today someone who actually had that sort of dough could afford good insurance and good health care.
If you can afford to pay cash for medical bills, it's cheaper to not have insurance.
Ridiculous statement.Quote:
Originally Posted by jbjb
It's always cheaper to have insurance. But I'm sure you said that because you don't have insurance.
RoflQuote:
Originally Posted by Alan MendelsonRidiculous statement.Quote:
Originally Posted by jbjb
It's always cheaper to have insurance. But I'm sure you said that because you don't have insurance.
https://youtu.be/RGC06mllRGE
Insurance costs more money than what you get back. It’s partially the reason why an insurance company makes money.
You've never been in a hospital? If you were the first thing you'd notice is that your hospital bill is discounted because you have insurance.
Insurance companies make money off of the young and healthy and that was the problem for Obamacare -- the young and healthy weren't signing up.
But as soon as you get sick if you don't have insurance you're toast.
Aye, there's the rub: you don't need it til you really need it.Quote:
Originally Posted by Alan Mendelson
Same with homeowner's and auto insurance.
Those without insurance are engaging in a form of very high stakes gambling.
So in a recent medical matter, I was billed $142,000. I paid about $1,200. My insurance premiums are about $320 per month. Do the math on whether it costs more with or without insurance.
And that doesn't take into account the difference in price on the follow-up meds on which the insurance company has a negotiated price far below what your local pharmacy otherwise charges.
insuranceis a calculated gamble in healthcare.
For me and my wife , we pay 20k a year on healthcare insurance.(medical/dental/rx)
I take 3 rxs total for my diabetes. hypertension and acid GeRD.....i pay for it without insurance and it comes to 25 dollars a month. 2 md visits a year would be 250 a year without insurance. And blood tests and misc tests a year might come to 500-1000.
If I dont get hospitalized that 100k in 5 years of savings.....vs possibly having to pay 100k if I need by-pass surgery like my dad needed.
If I didnt have any money accumuated in my home and savbings........then the gamble is less. However if one has a lifetime of accumulation of assets..then insurance is worth it. And if employers pay for most of it..then its really worth it.
I am un-insurable and that is why my wife has to work. Need her company's cadillac insurance.
My combined costs for my kidney and pancreas transplant with doctor and hospital fees was $1-million.
I paid one hundred dollars out of pocket. My "Cadillac insurance policy" through my union which cost me (at the time) about $3,000 a year paid the rest.
Today as a retiree I have the same insurance at a cost of $180 each quarter. I also have Medicare. I recently spent five days in two hospitals for a kidney infection and I'm yet to get a bill. I think the combined insurance plans will cover 100 percent.
I hope I am not subsidizing the APs who are using public health care as their "insurance" thinking they are pulling an AP play.
Why would an AP be able to take advantage of "public health care>"
They should be able to afford health insurance, just as most of us swinging dicks can afford it.
What, the fact that they choose not to work a real job entitles them to a bye?
Not in my world.
If they cannot afford health insurance that is a good indicator that employment-wise they're basically jerking themselves off; in that case it is time to quit fucking around and get a job!
I don’t know any APs without health insurance. Of course, insurance costs more money on average than no insurance, since you’re paying more into it than what you’d expect to get back. The purpose of insurance is to cut down on the variance of the -EV that is health care. But that’s for stuff that’s expensive where it’d make sense, like what happened to Alan. The part that really fucks you is that you’re also insured for the real cheap stuff. As long as you have some decent amount of money, it doesn’t make sense to be insured for the cheap stuff.
I don’t know at what point (net worth) it’d make sense to not have insurance vs paying for it, but I’d guess that’s a pretty high number. And at that point, your NW would be so high that your insurance would seem like mere pennies.
But it’s just absolutely retarded to say or think health insurance is cheaper if you’re only looking at it AFTER THE FACT that something bad happened. Do you also think that fire bet is better than the odds bet, after the fact, because it paid $5,000 on a $5 bet whereas the odds only paid $6?
RS there is no analogy between health insurance and gambling. Unless you die at home without seeing a doctor you're going to need health insurance.
I have a client that bought life insurance years ago to cover estate tax. He unfortunately (??) lived too long. He has paid $725,000 in premiums for a death benefit of $750,000. Had he invested that $725,000 he would have way more than $750,000.
The insurance company, like the house, usually wins.
He bought straight term with no interest? He didn't buy whole life either?Quote:
Originally Posted by regnis
Even my group term life policy pays interest which can be cashed out or used to pay premiums.
I personally haven't had insurance since the mid 2000's. I do have it for my kids. Every time I've been to the doctors, I've never been refused paying them in cash.Quote:
Originally Posted by Alan Mendelson
He got sucked into that old Universal Life crap. His premiums go up every year and little or no cash value. The dividends don't come anywhere near the premium.Quote:
Originally Posted by Alan MendelsonHe bought straight term with no interest? He didn't buy whole life either?Quote:
Originally Posted by regnis
Even my group term life policy pays interest which can be cashed out or used to pay premiums.
And if he hits 100 the insurance lapses.
With your medical history and the small amount you are paying for health insurance it is YOU that is being subsidized.Quote:
Originally Posted by Alan Mendelson
Sorry Mickey. I've been a member of my union since 1972 and I've been paying taxes since 1966. No one is subsidizing me.
Insurance is one group of people subsidizing another group ioof peopleQuote:
Originally Posted by Alan Mendelson
healthy people subsidizing sick people
owners of standing homes subsidizing owners of demolished homes
alive people subsidizing the families of dead people
Not true.Quote:
Originally Posted by Alan Mendelson
I am very healthy, have had no surgeries and rarely see a doctor.
I've paid out a shitload more in premiums than my insurers have paid in benefits.
The question of whether to buy insurance or not most certainly is a form of gambling.
For a classic example, consider Lloyd's of London.Quote:
Originally Posted by LarryS
Back in the day merchants all paid into Lloyd's to create a pool of moniesto cover their merchant ships in the event of loss.
mot buying insurance is gambling only for people with attachable assets.Quote:
Originally Posted by MisterVNot true.Quote:
Originally Posted by Alan Mendelson
I am very healthy, have had no surgeries and rarely see a doctor.
I've paid out a shitload more in premiums than my insurers have paid in benefits.
The question of whether to buy insurance or not most certainly is a form of gambling.
A guy with no insurance and no attachable assets is free and clear to get pieced back together when in a car accident
but then again not totlally, because he may get peiced togehter, but if he needs follow up physical therapy..he is on his own.
although since obmama changed health insurance into a something way differet than insurance.......a person can be diagnosed with needing bypass surgery, and all he has to do is wait a few months for open enrollment and sign right up. Pay a few hundred for his low income premium, and get scheduled for a couple hundred grand procedure. The antithesis of "insurance". Sort of like having your home burn down and then walking into allstate office and plopping down 300 dollars demanding a policy that will cover the burnt down home.
And if you think Obamacare patients get the same level as private insurance patients you're fooling yourself.
But I'm getting ahead of myself. What about people who need treatment now and didn't even sign up for Obamacare?
They can either pay for treatment out of pocket, use their own insurance (if they have it), otherwise, AFAIK, they're fucked. They either should'a had insurance or enough money to pay for medical expenses.Quote:
Originally Posted by Alan Mendelson
All I can state is that as individual who has worked for himself for the last 18 years, I was hurt by the new insurance laws a few years ago and now, that I have wandered into semi retirement, the laws are an asset if you take the initiative to register.Quote:
Originally Posted by RS__They can either pay for treatment out of pocket, use their own insurance (if they have it), otherwise, AFAIK, they're fucked. They either should'a had insurance or enough money to pay for medical expenses.Quote:
Originally Posted by Alan Mendelson
I will not bore you with the details of how the law hurt those who understood the healthcare system laws and used them judiciously when working as a sole proprietor. As a sole proprietor, healthcare was actually very affordable.
At this time, at least in New England, now, a couple with children can get tax credits for registering for health care. I believe the maximum a "couple with children" can earn and still receive a tax credit is 80K. I had been paying $2,100 per month for health care when I still had my business contracts. That was crazy. With the new system, not claiming significant income, I have a base rate of approximately $1,500 per month with a tax credit of $1,250 per month. Thus, I am paying $250 per month.
I have no idea why I am allowed to have a nominal income as a self employed individual and save $20K this year. I will state that since I am now withdrawing 401K money (I am over 59 1/2), that might be held against me and be considered income (unlike a Roth IRA).
So what am I trying to say? Please research your options for healthcare. It can be inexpensive. The government does not care how many houses you own or how much money you have stocked away in retirement. It is about your income.
Yes, I wish I had my former contract. Yes, I wish my wife did not retire 12 years ago. Yes, I wish I knew of this option earlier. But I am very fortunate to learn about this from a successful businessman.
Guys, health is everything. With some research, it can also be somewhat affordable.
Sorry, Alan, but you didn't even pay in a small fraction of the amount of medical bills you racked up. Someone else had to pay the rest. But that's what insurance is for I guess.Quote:
Originally Posted by Alan Mendelson
Actually you're correct. I should have written that I'm not a subsidized freeloader.Quote:
Originally Posted by mickeycrimmSorry, Alan, but you didn't even pay in a small fraction of the amount of medical bills you racked up. Someone else had to pay the rest. But that's what insurance is for I guess.Quote:
Originally Posted by Alan Mendelson
Neither are any legitimate AP's that I know of. The AP's that I know and network with pay taxes and have insurance. Some have families, including kids in college.Quote:
Originally Posted by Alan Mendelson
Perhaps you don't even realize how offensive your comments are Alan, but you continually expose your bias towards AP's by making comments about freeloading and being on welfare. You sound just like Singer. No surprise I guess.
Are there some lower end AP's just starting out that don't have health insurance? Sure. My younger brother for one (I have insurance for him that I don't know if he even knows). My point is yeah for younger AP's on a shoestring budget, health insurance may be one of those things that they "skip". Hey I did my first few years. :rolleyes:
But guess what, this is not limited to young AP's starting out. Many younger people starting out, working a fulltime job, on a tight budget, have to cut corners and health insurance is usually at the top of the list, for a few years.
Just like young working people, there comes a point where a young AP starting out, skimping while he/she builds BR, must have health insurance, pay taxes, start saving for retirement. If they don't they aren't legitimately supporting themselves.
But stop with the assumption that all AP's don't have insurance, pay taxes and are not saving. That is bullshit. It is right out of the anti-AP playbook that your Singer's and blackhole type's spew.
Interesting point, for sure. Mr. Mendelson's comments could just as easily apply to almost anyone under the age of 40 working in the service sector. More than 70% of US jobs are in the service sector. It's not going to change anytime soon, as (depending on definition and survey) either 29 of 30 or 30 of 30 of the fastest growing jobs are in the service industries.
I think much of the anti-AP bias on this site is a disdain for people who are perceived as scrabbling for a living. I don't see working at a fast food business or retail or at convenience stores as being any less hard scrabble. At least the APs get to apply some creativity and planning to their workdays, and tailor their hours day-to-day to their abilities and fatigue.
Millions of folks have lost / will lose their jobs in the retail sector due to the rise of online sales via Amazon et al.
One must assume the burgeoning service sector will absorb the displaced workers, but what if it can't?
A society which does not provide an opportunity for employment to those who wish to work will not survive much longer.
I'm happy to know you pay taxes and have your own insurance. Is that the case with everyone who claims to be an AP? I would be pleased to know that it is.Quote:
Originally Posted by kewlJNeither are any legitimate AP's that I know of. The AP's that I know and network with pay taxes and have insurance. Some have families, including kids in college.Quote:
Originally Posted by Alan Mendelson
Perhaps you don't even realize how offensive your comments are Alan, but you continually expose your bias towards AP's by making comments about freeloading and being on welfare. You sound just like Singer. No surprise I guess.
Are there some lower end AP's just starting out that don't have health insurance? Sure. My younger brother for one (I have insurance for him that I don't know if he even knows). My point is yeah for younger AP's on a shoestring budget, health insurance may be one of those things that they "skip". Hey I did my first few years. :rolleyes:
But guess what, this is not limited to young AP's starting out. Many younger people starting out, working a fulltime job, on a tight budget, have to cut corners and health insurance is usually at the top of the list, for a few years.
Just like young working people, there comes a point where a young AP starting out, skimping while he/she builds BR, must have health insurance, pay taxes, start saving for retirement. If they don't they aren't legitimately supporting themselves.
But stop with the assumption that all AP's don't have insurance, pay taxes and are not saving. That is bullshit. It is right out of the anti-AP playbook that your Singer's and blackhole type's spew.
In fact I would be very pleased to know that all APs pay their taxes and have insurance. Please assure me that is the case, kewlj.
What? :confused: No I can't assure you of anything regarding other AP's any more than you can or should speak for other media shyster types. ;) I speak only for myself.Quote:
Originally Posted by Alan Mendelson
But you asking this and the way you ask it is the real problem. It shows your bias...your clear contempt for AP's. Almost everything you say, is a challenge or an attempt to draw a line in the sand. An attempt to divide into "us" vs "them".
But I'm a shyster, kewlj, do you expect anything less from me?
Why are you so paranoid? What are you hiding?
Well, you don't have to answer that because you hide everything.
KJ seems more transparent than most posters.
He wears his heart on his sleeve for christ sake.
WTF do you suspect he could possibly be "hiding?"
Alan, Have you taken to drinking heavily in the early morning because you are making absolutely no sense. :confused:Quote:
Originally Posted by Alan Mendelson
People can and do chose to not like me. They can and do choose to not believe what I say or post. Or to believe or not believe in advantage play, or that the earth is flat.
But to say that "I hide everything"? :confused: I share more than most AP's and far more than most posters. I am an open book. I share my AP experiences, good and bad. The winning. The losing. I share my personal life experiences and how that relates to my AP life....until I am attacked for it. I have shared my journey relocating to 2500 miles from friends and family and everything and everyone I knew to start a new (AP) life. I have shared reuniting with my brother and mother after not being part of their lives for more than a decade. I shared, health issues. I have shared the death of the person I was married to and shared my life with, who was very influencial in me becoming and being an AP.
What more would you like me to share Alan? How can you possible say, I am hiding anything? :confused: Why do I feel like all conversations with you are part of the twilight zone? Some sort of alternate reality? :rolleyes: You rarely make sense to me?
Thank you MrV. MrV here, is a member not all that fond of me....but at least he grounded in reality. :)Quote:
Originally Posted by MisterV
People who are down on AP's are just jealous because they are lacking the ability to figure out how to liberate themselves from being mired in the system with the rest of the cattle. People inherently want to be independent and live life on their own terms but they find that they must subjugate themselves and sell bits and pieces in order to survive. Most people have neither the income nor leisure to resist becoming entrenched in the matrix.
It has always been easy to persuade "normals" that those who spend their lives living on their own terms, protesting if you will, are losers and failures. Instead of getting mad at the controllers of the system they get mad and resentful towards the people that have figured out how to beat the system, everyone secretly and/or openly despises.
I live in both worlds currently. My office mates are for the most part miserable, unhappy, and heavily mired in responsibility for nonsense. They are prisoners of their reality. My AP associates for the most part do what they want when they want and live life on their own terms. All of my AP associates have wads of cash and do what they want in life. A lot of my office associates live in fear of next months bills. My AP associates wish me success in all that I choose to do. My office mates are resentful of any success I achieve above their own.
This site is trolled constantly by life's failures.