Don’t even get me started on money managers.

[quote=Dirk Diggler]

Philo,

When I told you about the annuity, did you criticize it or did you do your homework and sell the crap out of it? Did your income take a big jump? It has been an absolute career maker for me. It freaks me out at how much my income has jumped since I decided to focus on annuities, instead of trying to be a jack of all trades.

The "yeah, but what about...?" people are doomed to get nothing accomplished. Just like the democrats. They love to criticize, but have nothing better to offer. This broad is an idiot, plain and simple. F her. We've got nothing to prove to some woman trying to live in a man's world.

[/quote]

I did what ALL good brokers do...investigate and evaluate....not denigrate.

I think that Philo and Dirk should get a room if they aren't already the same person.  You do know that auto erotica is a vice?  I just wish he/they would stop doing it in a public forum.

[quote=rightway] [quote=Dirk Diggler][quote=babbling looney]

Dude..... I have already stated that I sell VAs and EIAs and there is nothing wrong with the products. And I have sold them to those risk adverse clients who feel they need a safety net and are illing to pay for it.  What is wrong is not understanding the ramifications of the product, the tax consequences, the estate issues and not explaining it fully to the client.

I don't know what you mean about First Trust UITs?? My few clients who do have unit trusts, brought them over from elsewhere and have owned for quite a few years. We are just waiting for them to end in a year or so.  Unless they were bond UITs they have done pretty well.  Not as good as a well managed mutual fund or stock portfolio, but no losses. 

[/quote]

What do YOU do with people's money? Be specific. Do you have the guts to share it with the class? I doubt it.

[/quote]

Dirk- You have been asked several times how you generate the 9% comssissions and returns but you fail to disclose.  Can't YOU share with the class?
[/quote]

5:50 am?  Are you sh*tting me?  I was at the gym at 6 this morning, not answering to DD.  I got into this business for quality of life.  If "at the office" before 6= quality of life to you, then more power to you.  C'mon Rightway, I had a higher opinion of of you than that.

[quote=babbling looney]

I think that Philo and Dirk should get a room if they aren't already the same person.  You do know that auto erotica is a vice?  I just wish he/they would stop doing it in a public forum.

[/quote]

Thanks for the advice, porcupine.

"We've got nothing to prove to some woman trying to live in a man's world. "

 Just when I thought this mouth-breather had hit rock bottom, he serves up another gem...

[quote=babbling looney]

I think that Philo and Dirk should get a room if they aren't already the same person.  You do know that auto erotica is a vice?  I just wish he/they would stop doing it in a public forum.

[/quote]

That's the stuff!

When you can't refute the facts, make some idiotic statement.  The hubris of the true hack.

Keep up the bad work!

[quote=Philo Kvetch][quote=babbling looney]

When you can't refute the facts, make some idiotic statement.  The hubris of the true hack.

[/quote]

Funny, that's been your tactic. In fact, you've yet to refute any criticism of annuities that's been made. And made by people, I should add, that sell them and know what they can and can't do well.

Mike, from your posts I've come to believe that you don't understand squat.  Why would I want to refute "criticisms of annuities"?  Further, why would I care what you sell?

To put an end to this nonsense, you clearly aren't smart enough to be in my league.  Why should I debate anything someone like yourself?  The answer?  No reason at all.  You're simply bottom tier.

The REAL reason these people hate annuities is that they can’t get them as clients because they can’t churn people out of them. It’s money that is just right there, in front of their faces, and they can’t get their hands on it. That’s why I take the money upfront. Nobody will ever get paid for the work that I did, except me.

[quote=Dirk Diggler]The REAL reason these people hate annuities is that they can't get them as clients because they can't churn people out of them. It's money that is just right there, in front of their faces, and they can't get their hands on it. That's why I take the money upfront. Nobody will ever get paid for the work that I did, except me. [/quote]

Good point. 

Like I said earlier Diversify, Diversify, Diversify.  Someone earlier mentioned taking the money out of an annuity and going to a money manager.  I hope that money is still there by the time that client needs it.  Don't get me wrong I'm not knocking money managers because I use them as well as annuities.  Just be very careful about who you pick.

Annuities are good for some people and MM is good for some people.  We can't compare the two.

I think it is safe to assume that the majority of us are concerned about taking care of our clients.  We just have different views on how to do it.

[quote=Dirk Diggler]The REAL reason these people hate annuities is that they can't get them as clients because they can't churn people out of them. It's money that is just right there, in front of their faces, and they can't get their hands on it. That's why I take the money upfront. Nobody will ever get paid for the work that I did, except me. [/quote]

I don't hate annuities. I use them frequently and have for over 15 years.

I am, however, developing an extreme distaste for you and your obviously unethical, self serving methods of doing business as well as your juvenile insults and general demeanor of a 14 yr old boy. 

[quote=babbling looney]

[quote=Dirk Diggler]The REAL reason these people hate annuities is that they can't get them as clients because they can't churn people out of them. It's money that is just right there, in front of their faces, and they can't get their hands on it. That's why I take the money upfront. Nobody will ever get paid for the work that I did, except me. [/quote]

I don't hate annuities. I use them frequently and have for over 15 years.

I am, however, developing an extreme distaste for you and your obviously unethical, self serving methods of doing business as well as your juvenile insults and general demeanor of a 14 yr old boy. 

[/quote]

Let me see if I have this right... you are experiencing some emotions over a bunch of words on your computer monitor that were written by someone named "Dirk Diggler," who doesn't even exist? Wow! You've lost your grip on reality.

So you admit that you are a big nothing? 

[quote=Dirk Diggler][quote=babbling looney]

[quote=Dirk Diggler]The REAL reason these people hate annuities is that they can't get them as clients because they can't churn people out of them. It's money that is just right there, in front of their faces, and they can't get their hands on it. That's why I take the money upfront. Nobody will ever get paid for the work that I did, except me. [/quote]

I don't hate annuities. I use them frequently and have for over 15 years.

I am, however, developing an extreme distaste for you and your obviously unethical, self serving methods of doing business as well as your juvenile insults and general demeanor of a 14 yr old boy. 

[/quote]

Let me see if I have this right... you are experiencing some emotions over a bunch of words on your computer monitor that were written by someone named "Dirk Diggler," who doesn't even exist? Wow! You've lost your grip on reality.

[/quote]

Let me see if I have this right, you are investing a whole bunch of time responding and bantering with a "babbling looney"?  

And who's the one who's lost their grip on reality?

You're a piece of work, Dirk. 

Oh Sh*t!  I told myself I wouldn’t do it, I wouldn’t do it.  I got a life to live, this place can suck you in.  Peace.

Dirk,

Take it all up front.  That's good for smaller producers who have insecurities associated with client retention.  Judging by your posts--I'd get it all up front too.

[quote=zacko]

Dirk,

Take it all up front.  That's good for smaller producers who have insecurities associated with client retention.  Judging by your posts--I'd get it all up front too.

[/quote]

I suspect that you're pretty happy having it trickle in on the back end.

[quote=Dirk Diggler][quote=zacko]

Dirk,

Take it all up front.  That's good for smaller producers who have insecurities associated with client retention.  Judging by your posts--I'd get it all up front too.

[/quote]

I suspect that you're pretty happy having it trickle in on the back end.

[/quote]

Real mature response there dude....

Maybe my 14 yr old estimate was too high?