I turned in app and check for a group that needs coverage 7/1/08, it looks unlikely that I will get anything for them until 8/1/08. That really sucks. And I don't like this insurer, they pay on a diminishing scale which means that they pay 10% in the first quarter and by the last quarter you get like ten cents. It really makes no sense. I avoid working with them whenever possible.
I haven't broken it to my insured just yet, I'm hoping that they will change their minds and just okay it for a 7/1/08.
My house is like an oven so staying at the office is the only way not to die of heat exhaustion.
Monday, June 30, 2008
Saturday, June 28, 2008
New group...
Okay, so the two man group I was working on for the gentlemen in our office went well. We both went to the meeting and I guess my style is very upfront and business-ie. I bullshit a little but mostly I'm looking to help and go home. I'm hoping my current style is due to my large belly and not due to a lack of personality but who knows.
We ended up going with the HMO with a local hospitial based insurance company, not my former company but another that has lowered their max rate. When you maxed out everyone's rate and really looked at their plans, and took into account the groups medical then you have this group that will be paying out of pocket much less for HMO. I also suggested that they get individual policies for the dependants no point in paying $900 a month for them when they can pay $200 to $300 for nearly the same benefit.
I'll go by their place on Monday to pick up the check and hopefully we'll be in place by 7/1, fingers crossed.
Also I had a talk with my rep from Assurant and it looks like the lady I'd been working with who was on pain med's may actually get covered. Past her neck problems she's so healthy. I'm hoping this will work out for her since her Cobra payments are going up in August, I think.
On the homefront, the ex actually invited me to come for the weekend with the baby. But I look like a beached whale and feel worse. He had to put in a snide comment how I never invite him to do stuff with the baby during my time. I never go anywhere, we watch videos, he plays and swims in the pool. It's not exciting but it does not lend to invitations.
Also the baby has been made bald and to tell the truth I don't want to hear it from my ex, I was so mad, but I couldn't change what was done. I think he should spend as much time with the baby as possible but I'm not going to rearrange my life to make it happen.
Mostly I feel on the fence about him and I'll go thru short phase's where I'll miss him but mostly the stress of him kills me. I don't know what I'll do and I'm not gonna worry about it until the new baby comes. I'm 34 weeks now, so I'm thinking in two weeks my full time job will be to get this baby out. There is no point in carrying him two or three extra weeks so he can fatter and i'll get more uncomfortable.
I watch those birthing shows every weekday morning and I see all those supporting loving husbands and boyfriends so happy to be there not just for the birth of their child but to be there with their partner and share the moment. That's not him, I need that and want that and it will never happen.
We ended up going with the HMO with a local hospitial based insurance company, not my former company but another that has lowered their max rate. When you maxed out everyone's rate and really looked at their plans, and took into account the groups medical then you have this group that will be paying out of pocket much less for HMO. I also suggested that they get individual policies for the dependants no point in paying $900 a month for them when they can pay $200 to $300 for nearly the same benefit.
I'll go by their place on Monday to pick up the check and hopefully we'll be in place by 7/1, fingers crossed.
Also I had a talk with my rep from Assurant and it looks like the lady I'd been working with who was on pain med's may actually get covered. Past her neck problems she's so healthy. I'm hoping this will work out for her since her Cobra payments are going up in August, I think.
On the homefront, the ex actually invited me to come for the weekend with the baby. But I look like a beached whale and feel worse. He had to put in a snide comment how I never invite him to do stuff with the baby during my time. I never go anywhere, we watch videos, he plays and swims in the pool. It's not exciting but it does not lend to invitations.
Also the baby has been made bald and to tell the truth I don't want to hear it from my ex, I was so mad, but I couldn't change what was done. I think he should spend as much time with the baby as possible but I'm not going to rearrange my life to make it happen.
Mostly I feel on the fence about him and I'll go thru short phase's where I'll miss him but mostly the stress of him kills me. I don't know what I'll do and I'm not gonna worry about it until the new baby comes. I'm 34 weeks now, so I'm thinking in two weeks my full time job will be to get this baby out. There is no point in carrying him two or three extra weeks so he can fatter and i'll get more uncomfortable.
I watch those birthing shows every weekday morning and I see all those supporting loving husbands and boyfriends so happy to be there not just for the birth of their child but to be there with their partner and share the moment. That's not him, I need that and want that and it will never happen.
Tuesday, June 24, 2008
Feeling better...
Okay so feeling better aided by caffeine and having something to do.
In any case, I'm still trying to get quotes for cardealership in W-town, got one today and it was pretty bad. The rates were no where near where they needed to be to make the change.
That quote came from my former employer and it made me laugh.
Still waiting for other quotes from other carriers, fingers crossed.
In any case, I'm still trying to get quotes for cardealership in W-town, got one today and it was pretty bad. The rates were no where near where they needed to be to make the change.
That quote came from my former employer and it made me laugh.
Still waiting for other quotes from other carriers, fingers crossed.
Monday, June 23, 2008
More work...
It took a caffeine pill to get me out of bed this morning, that's not as bad as a cup of coffee right?
All I know is that I needed it.
My car dealership wants a better prescription plan for their already in place for two months plan. The insurance company said no, shockingly. I could kill them I found a decent prescription plan that is supplemental for $20 a month and is similar to the plan they would have had if they had picked a better plan.
Also the same company has a division in W-town and I sent the quote out, but found out that my boss had already sent it to them. Obviously she'd received the renewal and not given it to me, when I could have gotten it done last month when I felt not better but at least not as big. So, I told the one that did respond to go ahead and email me the info instead of her. I hate that! So I sent it out to a large GA and the other large hospitial based insurance company in town. Looking at the renewal they are better off staying with their current carrier. That carrier is going to increase their premium of course! After all we had to move a sicky to that plan so the main deal in town didn't go south.
The only response did come from my old employer who let's just say isn't my favorite bunch of overpriced folks. I'm tempted to send the current info for the car dealership group telling them it didn't go thru and to put a price on it. I might just do that for fun....hm...
I made sure to do what my boss didn't which was give the quoters a good idea of the sucky medical they all have. I don't want them to quote me preferred when I know very well that one of them is on her last legs.
The other gentlemen in our office who went from captive to independant came to my desk complaining that the premiums are so much lower in independant. I tried to reason with him that he's re-writing existing business from his old book and to entice them of course your going to do it with lower premium's. He needs to get a better deal from our boss, he can't be expected to have the same kind of deal that I do. I told him that he should not be giving away so much of his commish since he has already done the work why share half with people who will do nothing for it? I'm not sure if he saw the logic or he's got more issues then I know about. He told me that they have fed him some leads but certainly not enough to justify what he's giving them. I told him it was just my opinion and then I left.
This gentlemen also asked me if I run a quote for a group and I said no, he claimed he'd given the boss the info a while back and now he needed it for a 7/1 start date. Thanks again!
So I put it out to the 2 local hospitial based insurance companies and the large GA we work with. They did have one quote for an HMO at $1400 for two people! I've got a group policy in place with 10+ and they pay close to $2900, that was the only option they were given.
Let's face it HMO is great but a dinosauer and it's just as rare. So in any case we'll see how it goes. I don't mind doing the quotes, gives me something to do.
My marketing plan this week is to get the 'free report' out to some real estate agents and see if anyone's interested. You never know who's looking for help!
Still no ideas on what I should do once this hellish pregnancy is over. I think I'll just learn the p and c part of the biz and strap myself to a desk, my other alternative is two kids at home under three. I don't think so.
All I know is that I needed it.
My car dealership wants a better prescription plan for their already in place for two months plan. The insurance company said no, shockingly. I could kill them I found a decent prescription plan that is supplemental for $20 a month and is similar to the plan they would have had if they had picked a better plan.
Also the same company has a division in W-town and I sent the quote out, but found out that my boss had already sent it to them. Obviously she'd received the renewal and not given it to me, when I could have gotten it done last month when I felt not better but at least not as big. So, I told the one that did respond to go ahead and email me the info instead of her. I hate that! So I sent it out to a large GA and the other large hospitial based insurance company in town. Looking at the renewal they are better off staying with their current carrier. That carrier is going to increase their premium of course! After all we had to move a sicky to that plan so the main deal in town didn't go south.
The only response did come from my old employer who let's just say isn't my favorite bunch of overpriced folks. I'm tempted to send the current info for the car dealership group telling them it didn't go thru and to put a price on it. I might just do that for fun....hm...
I made sure to do what my boss didn't which was give the quoters a good idea of the sucky medical they all have. I don't want them to quote me preferred when I know very well that one of them is on her last legs.
The other gentlemen in our office who went from captive to independant came to my desk complaining that the premiums are so much lower in independant. I tried to reason with him that he's re-writing existing business from his old book and to entice them of course your going to do it with lower premium's. He needs to get a better deal from our boss, he can't be expected to have the same kind of deal that I do. I told him that he should not be giving away so much of his commish since he has already done the work why share half with people who will do nothing for it? I'm not sure if he saw the logic or he's got more issues then I know about. He told me that they have fed him some leads but certainly not enough to justify what he's giving them. I told him it was just my opinion and then I left.
This gentlemen also asked me if I run a quote for a group and I said no, he claimed he'd given the boss the info a while back and now he needed it for a 7/1 start date. Thanks again!
So I put it out to the 2 local hospitial based insurance companies and the large GA we work with. They did have one quote for an HMO at $1400 for two people! I've got a group policy in place with 10+ and they pay close to $2900, that was the only option they were given.
Let's face it HMO is great but a dinosauer and it's just as rare. So in any case we'll see how it goes. I don't mind doing the quotes, gives me something to do.
My marketing plan this week is to get the 'free report' out to some real estate agents and see if anyone's interested. You never know who's looking for help!
Still no ideas on what I should do once this hellish pregnancy is over. I think I'll just learn the p and c part of the biz and strap myself to a desk, my other alternative is two kids at home under three. I don't think so.
Thursday, June 19, 2008
Child support....
This subject is depressing...I've always been so self sufficent and able to take care of myself. I really hate the idea of this guy giving me money. Granted he helped make our son, but I find it humilating. When we really together, if I wanted any money I'd have to ask him. In a process similiar to squeezing blood from a stone.
I know that any additional income especially while I'm pregnant would be a god send but I can't seem to look at it like that right now.
I know that any additional income especially while I'm pregnant would be a god send but I can't seem to look at it like that right now.
Tuesday, June 17, 2008
Tired...
The weekend was spent at Six Flags and I came home exhausted completely unable to function in any meaningful way. The baby had a great time as usual and I faced a day in the sun baking and drinking water. Overall trip was successful but time with my ex was pretty normal, he's unable to be truly compassionte or sympatheic for more than a few moments.
I received a call from the District Atty's office and spoke with a court rep who told me that I could phone in my interview tomorrow. I assume my ex will be there at the court or perhaps he could phone it in as well. I'm not sure what is the reason for all this, I'd prefer to just get a judgement and start getting some assistance. I've ran some quotes for health insurance for our baby and it is quite reasonable but we'll see exactly what happens.
As for work, it's a struggle to get up each morning and most I just don't make. I've sent two faxes today and I feel like I've climbed a mountain. Two more weeks and it is okay for the baby to come out. Castor oil here I come.
I received a call from the District Atty's office and spoke with a court rep who told me that I could phone in my interview tomorrow. I assume my ex will be there at the court or perhaps he could phone it in as well. I'm not sure what is the reason for all this, I'd prefer to just get a judgement and start getting some assistance. I've ran some quotes for health insurance for our baby and it is quite reasonable but we'll see exactly what happens.
As for work, it's a struggle to get up each morning and most I just don't make. I've sent two faxes today and I feel like I've climbed a mountain. Two more weeks and it is okay for the baby to come out. Castor oil here I come.
Wednesday, June 11, 2008
Work
I finally went to work today, which usually means me there for ten minutes but not today.
I did some actual work, not the cardealership out of state, that's a dream I had which will never come true. Till next month?
So I had to finish a quote for a two person individual or group, let's face it if your perfectly healthy it's better to go individual but if you got some issues bite the bullet and go group.
We took over another two man group of an older gentlemen and his wife, but can't move them when they are four years away from medicare. I was suppose to make the meeting but due to my fatigue and stupity I didn't make it. He still wants his rich HMO with slightly different amounts.
I also got a lead from a our guy in CC and left a message, I ran two quotes, one Aetna and Anthem for some reason people will bow down to Anthem when they are on the most part not that great to work with and will give you tons of problems with claims.
I did get a phone call from one of my clients and I've got to get answers about his probationary period.
I feel good today and left right before five, which never happens.
Tomorrow I have a doctor's appt he wants to see me every two weeks now which means we're in the final stretch. I wish I could figure all of this out including the child support before the baby is born. My ex is threating to move to CA which will do nothing to bring us and our little family together. But maybe it's a good thinking in the end. If we are going to not make it, then a clean break is best.
He tells me that he might be going to six flags this weekend and I'll need to clear it with the doctor before I go. I'd prefer not but I'd love the time with my little man.
I did some actual work, not the cardealership out of state, that's a dream I had which will never come true. Till next month?
So I had to finish a quote for a two person individual or group, let's face it if your perfectly healthy it's better to go individual but if you got some issues bite the bullet and go group.
We took over another two man group of an older gentlemen and his wife, but can't move them when they are four years away from medicare. I was suppose to make the meeting but due to my fatigue and stupity I didn't make it. He still wants his rich HMO with slightly different amounts.
I also got a lead from a our guy in CC and left a message, I ran two quotes, one Aetna and Anthem for some reason people will bow down to Anthem when they are on the most part not that great to work with and will give you tons of problems with claims.
I did get a phone call from one of my clients and I've got to get answers about his probationary period.
I feel good today and left right before five, which never happens.
Tomorrow I have a doctor's appt he wants to see me every two weeks now which means we're in the final stretch. I wish I could figure all of this out including the child support before the baby is born. My ex is threating to move to CA which will do nothing to bring us and our little family together. But maybe it's a good thinking in the end. If we are going to not make it, then a clean break is best.
He tells me that he might be going to six flags this weekend and I'll need to clear it with the doctor before I go. I'd prefer not but I'd love the time with my little man.
Monday, June 9, 2008
Okay life stuff...
Well for my son, there is no word yet on child support, his father isn't working much and I understand that but doesn't change the price of diapers. I still think on most levels he thinks we'll get back together, I'd like to just have a casual relationship with separate quarters.
If I could make $60000 a year then I could afford him and a life style that could support everyone.
I've also been sent a sort of summons for a hearing about the support amount. I just want the limits, I'm not looking to skin a skinny cat, I need help not to leave a man homeless. It did not say that it was mandatory, I've tried several times to call the case worker. Good luck, I'm going to need t go down there in person.
Last night had a snippy comment from my oldest niece. I'm not sure what it is about me that brings the rude out of her. Most of the time I ignore her and stay out of her life and let her be an adult. But then she'll say something so insulting or treat me with such disrespect that I wonder if I'm dealing with her issues or mine. It's so disheartening to love someone who dispises you and has no problem telling you that. It doesn't ever seem to matter what I say or do with that kid, she hates me. On so many levels I ignore it and her but I'm always kind and helpful to her but never in a way that is intruding on her life. I guess I just don't feel close to her or have that compulsion to get close because of her lack of compassion and basic rudeness.
I think that if I just met her that I wouldn't be friendly with her. She's just not someone who has compassion--at least not for me. She knew and understood immediately why I was not keen on having her in the delivery room. She said herself that she would be a negative influence. Isn't that sad? That her opinion of me is already so low that she couldn't rise above all the whatever and be there for me? I think that without question that I would be there for her if she were having a child no matter how I feel about her and her attitude.
I really don't know what to do about this.
I guess my issue with my sister is that she allows the mistreatment and brushes it off. It would be fine in one case or two but she's always treated the situation that way. It feels as if my sister as long as my niece loves her best that it doesn't really matter how she treats me. And of course even if my son should treat my sister with disrespect then she expects me to defend her immediately. But for some reason this mistreatment of me has been allowed to continue for years. I don't get it.
I don't understand my family....ever.
If I could make $60000 a year then I could afford him and a life style that could support everyone.
I've also been sent a sort of summons for a hearing about the support amount. I just want the limits, I'm not looking to skin a skinny cat, I need help not to leave a man homeless. It did not say that it was mandatory, I've tried several times to call the case worker. Good luck, I'm going to need t go down there in person.
Last night had a snippy comment from my oldest niece. I'm not sure what it is about me that brings the rude out of her. Most of the time I ignore her and stay out of her life and let her be an adult. But then she'll say something so insulting or treat me with such disrespect that I wonder if I'm dealing with her issues or mine. It's so disheartening to love someone who dispises you and has no problem telling you that. It doesn't ever seem to matter what I say or do with that kid, she hates me. On so many levels I ignore it and her but I'm always kind and helpful to her but never in a way that is intruding on her life. I guess I just don't feel close to her or have that compulsion to get close because of her lack of compassion and basic rudeness.
I think that if I just met her that I wouldn't be friendly with her. She's just not someone who has compassion--at least not for me. She knew and understood immediately why I was not keen on having her in the delivery room. She said herself that she would be a negative influence. Isn't that sad? That her opinion of me is already so low that she couldn't rise above all the whatever and be there for me? I think that without question that I would be there for her if she were having a child no matter how I feel about her and her attitude.
I really don't know what to do about this.
I guess my issue with my sister is that she allows the mistreatment and brushes it off. It would be fine in one case or two but she's always treated the situation that way. It feels as if my sister as long as my niece loves her best that it doesn't really matter how she treats me. And of course even if my son should treat my sister with disrespect then she expects me to defend her immediately. But for some reason this mistreatment of me has been allowed to continue for years. I don't get it.
I don't understand my family....ever.
Let's see..
I've been unable to complete a post lately don't know what's wrong with me.
I'm still working a few small deals but nothing major.
I spoke with an awesome lady in our office today about how they're commissions are structured. If I produce i get a much better deal but they seem pretty content with their plate. If our owners bring in new business the ladies up front make nothing off of that and it goes to the house and they have to service it. I'm not sure how I feel about that. But if the ladies go out and get the business they get 15-25%, let's face it there is no incentive for them to do that.
What I want to do is work out something with the ladies that helps them and me, I think that if they solict for me amongest the current lines that they work with that I would be happy to share with them for the amounts they get currently. I think that would be good for them.
I'll need to discuss with my boss. I think if they solict for me then I should be able to share with them.
I'm still working a few small deals but nothing major.
I spoke with an awesome lady in our office today about how they're commissions are structured. If I produce i get a much better deal but they seem pretty content with their plate. If our owners bring in new business the ladies up front make nothing off of that and it goes to the house and they have to service it. I'm not sure how I feel about that. But if the ladies go out and get the business they get 15-25%, let's face it there is no incentive for them to do that.
What I want to do is work out something with the ladies that helps them and me, I think that if they solict for me amongest the current lines that they work with that I would be happy to share with them for the amounts they get currently. I think that would be good for them.
I'll need to discuss with my boss. I think if they solict for me then I should be able to share with them.
Thursday, June 5, 2008
Tuesday, June 3, 2008
Well... more life stuff
Still no word on my cardealership deal, no shocker there. I'm just letting it sit for a minute. I'll pursue tomorrow.
I've got two individuals sitting on my desk I need to follow up on but no motivation to do it.
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