P/C Insurers’ Net Income Up 60%, Combined Ratio at 97.6 for 2013: A.M. Best

February 10, 2014
profit target

  • February 10, 2014 at 2:02 pm
    Agent says:
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    So if the P&C Industry is doing so well, why are they treating it like a very hard market with large rate increases even for the cleanest customers? I know. They are doing this for future expected losses. Need to get those reserves on up there.

    • February 10, 2014 at 3:19 pm
      txmouthbreatherboogereatertx says:
      Hot debate. What do you think?
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      Why would you want to take food from the mouths of CEO’s and their families? What are you a freakin’ Commie?

      • February 10, 2014 at 5:40 pm
        Agent says:
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        So you are trolling on this article as well boogereater. You need some serious help for your problem.

        • February 10, 2014 at 6:14 pm
          bob says:
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          People don’t seem to like you Agent.

          As Planet would say “you must be doing something right” ;)

          I do enjoy taking his life motto’s and flipping them.

          • February 13, 2014 at 10:09 am
            Agent says:
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            I guess I must be doing something right Bob since I keep churning out a profit each and every year despite the market churning from soft to hard every three years and the monumental mess the government has made over the past 10 years. My carriers seem to like me since I make contingency with most of them each year and that is tied to Production and Loss Ratio. Texas is a weather state and you never know when a hail or windstorm will get you, but we have been fortunate and we offer the protection customers need. Our E&O premiums are very good since we haven’t reported any claims in over 5 years and that one was bogus and not paid but it had to be defended.

      • February 10, 2014 at 6:12 pm
        bob says:
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        • February 11, 2014 at 9:00 am
          Libby says:
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          What the hell do taxes have to do with this article?

          • February 13, 2014 at 2:27 pm
            bob says:
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            Libby:

            I don’t randomly rant;

            This guy’s comment was sarcastic saying that Agent has no qualms with greedy businesses having money, and seeing as he said Commie, he was implying that agent’s problem with taxing corporations would help with the problem agent was complaining against.

            Now read my post again, and you’ll see it makes total, and complete sense, and is the best reply you can give.

            *txmouthbreatherboogereatertx says:*

            “Why would you want to take food from the mouths of CEO’s and their families? What are you a freakin’ Commie?”

        • February 13, 2014 at 4:47 pm
          BS says:
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          Oh, FFS BOB! It was a snarky and obviously facetious comment. “Oh, those poor CEOs! How could you begrudge them that 3-5% rate increase? They NEED it to get those new private jets! What kind of cold-hearted monster are you???”

          txmouthbreather would have probably made that comment whether it was Agent, Libby or Captain Planet talking about rate increases. It was a snarky comment aimed at the insurance companies’ decision to take rate increases – not at Agent or the fact that he’s a Republican, or taxes for corporations.

          Stop looking for hidden meanings and persecution in everything.

          • February 14, 2014 at 12:35 pm
            bob says:
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            BS:

            Ok fuck you!

            Why would the comment be made snarky, and facetious without regard to Agent’s republican background considering agent’s comment was bluntly stating he didn’t like the companies being greedy, ending with Commie? THE GUY WAS SAYING THAT AGENT SUPPORTS GREEDY CEO’S, AND CALLS PEOPLE WHO DON’T COMMIES. FUCKING IDIOT!

            Now READ my post, that directs that just because Agent doesn’t support taxing corporations, does not mean he wants big corporations to get away with doing bad things, which is CLEARLY what txmouthbreather said. And again: FUCK YOU

            “So if the P&C Industry is doing so well, why are they treating it like a very hard market with large rate increases even for the cleanest customers? I know. They are doing this for future expected losses. Need to get those reserves on up there.”

          • February 14, 2014 at 12:38 pm
            bob says:
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            And let me emphasize this you little brat, mouthy shit like that would get your ass kicked in person.

            IT IS NOT APPROPRIATE.

            My comment made TOTAL sense, to a guy who mouthed off to Agent, and implied why would agent want to take food away from a CEO guy, that’s being a communist. How in the WORLD was that not linked to agent being republican? How in the world did my reply not make sense?

            AND WHAT THE HELL MADE YOU THINK YOU COULD TALK TO ME LIKE THAT?? I would beat your ass down in person.

            I don’t care how I look saying that. NO ONE talks to me like that. Punks like you would have been beaten bleeding in my teenage years. You need to learn lines BOY!

          • February 14, 2014 at 12:44 pm
            bob says:
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            And last comment: Even if you were right, the way you WILL talk to me is,

            “Hey bob, that guy was actually just being facetious. Just thought you might want to know”

            NOT

            “Hey bob, STOP BEING IRRATIONAL, FOR FUCK’S SAKES!!! THAT’S NOT WHAT HE MEANT! STOP BEING DEFENSIVE!! (that’s the way people like you call guys “pussy” which tells me your age group as well I might add. 20-25, how close am I BS?)

            DO YOU OR DO YOU NOT SEE THE DIFFERENCE, BOY?

          • February 14, 2014 at 1:59 pm
            Libby says:
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            Bob! Take a deep breath, my friend. If you know that BS is basically saying “Hey bob, that guy was actually just being facetious. Just thought you might want to know” there’s no reason for three screaming responses cussing him out and threatening to beat him up.

            Your original remark that sparked BS’s response was totally off the mark regarding txmouthbreatherboogereatertx. That’s all. Breathe.

          • February 14, 2014 at 2:03 pm
            BS says:
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            Agent said he didn’t like companies being greedy. txmouthbreather came back saying that saying that people who DIDN’T support greedy CEO’s were commies. It was a JOKE, you jackass. Maybe not a good one, but a joke nonetheless. And the fact that you jumped from a stupid joke about insurance companies’ rate increases to YET ANOTHER long-winded monologue about labeling Republicans and taxing corporations (which had absolutely NOTHING to do with the conversation) is ridiculous.

            You want to talk about labeling and preconceived notions, Bob? How about you look in the mirror. You see everyone who doesn’t agree with you completely as someone who hates and wants to destroy you. You are so desperate to play the poor, misunderstood victim that you read every comment hoping for insults. And when they aren’t there, you just make them up to fit your narrative. You make these absurd leaps of logic that make absolutely no sense. Someone says that they don’t like cheeseburgers, and the next thing we know, you’re blasting them for labeling all Republicans as evil and accusing them of wanting to kill unborn babies.

            You know… Because hamburger comes from cows… and cows live on cattle ranches… and Texas has a lot of cattle ranches… and you know Texas is a red state… and Texas had all that drama over the anti-abortion bill… and liberals are pissed off that they lost, so they want to punish the Republicans for trying to save unborn babies… so obviously THAT’S why that awful liberal idiot says he doesn’t like cheeseburgers. You know he’s lying. Everyone likes cheeseburgers. He just wants to make Republicans look bad by sating he doesn’t like something that comes out of a red state. And he said he liked steak last week. So of COURSE he likes cheeseburgers. He’s obviously lying. HE JUST WANTS TO KILL BABIES!!!

            Take off the tin foil hat, Bob. Sometimes a stupid joke about rate increases is just a stupid joke about rate increases and not an indictment of something more.

          • February 14, 2014 at 2:06 pm
            BS says:
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            Oh, and can I just say how I LOVE that you think I’m a 20-25 y/o boy? That gave me my chuckle for the day. Thanks for that. :)

          • February 17, 2014 at 8:20 am
            KY jw says:
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            I was wondering what FFS meant. Thanks.

  • February 10, 2014 at 3:20 pm
    Insurance 102 says:
    Hot debate. What do you think?
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    Agent,
    Some carriers are doing stupid things. Unfortunately, that is why you are seeing rate increases. I am a referral underwriter on large accounts for a major carrier in New York. We started taking average rate increases of 5-7% on all renewal accounts (regardless of premium/losses) to help improve our underwriting gains.
    When many of the adverse accounts went away because of new capital (and some of the desired accounts as well), we modified our rate increases to a 1-3% increase on average per line. In fact, depending on the premium size of the account, we would sometimes stay flat.
    I don’t think the market will remain that hard for 2014. Tough lines (ex. D&O) are seeing rates coming in close to flat, and WC/EL renewals depending on class of business and modification factors are also competitively priced.
    I guess underwriters and producers have a different perspective of the market :)

  • February 10, 2014 at 5:39 pm
    Agent says:
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    Unfortunately 102, us agents are the ones that have to look a customer in the eye and try to explain a 10-15% rate hike to them with no claims in the past 10 years. Brokers and company people never have that experience since the customer is just an account number in their computer and they take impersonal to a new level. Yes, Standard Markets are doing this. Excess/Surplus lines, not so much since their rates are already high by comparison.

    • February 11, 2014 at 7:33 am
      Ron says:
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      Agent,

      This is capitalism at its best. If you can’t handle the converstaions then get a job on the carrier side. Either suck it up or get out.

      • February 12, 2014 at 10:01 am
        Agent says:
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        Dear Ron, I have been at this for over 30 years and have seen every up and down the market can throw at me. In previous hard markets, at least the economy was decent. Now, we have the combination of a poor economy, poor government leadership and a hard market. That is a phenomenon most of us have not seen in our adult lifetimes. By the way, I would much rather have my own business, be the master of my fate than stuck in a 4X4 cubicle like you are taking orders from the guy in the corner office. If you had to hit the streets and bring business in to put together and then sell it, you would fail big time within a year and have to switch career fields.

        • February 12, 2014 at 10:08 am
          Libby says:
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          Agent – it amazes me that a small businessowner would speak so disparagingly about employees. Not everyone can be the boss. And you’d have a hard time being a boss without your employees. We all have a place and are all just as important as the other. You really sound arrogant when you put down employees, as if you are better than we are.

          • February 12, 2014 at 2:22 pm
            Agent says:
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            Libby, Since Ron and I have a history and he chooses to insult me several times a week, I will talk to him how I please. I represent a number of companies and talk to company people, underwriters all the time. They are good people, but couldn’t sell their way out of a paper bag. That is why they are company people and we are agents. By the way, they must like our agency a lot since we got nice Contingencies with the vast majority. We submit nice accounts with low loss ratios to them and they write and retain them. I wonder how long Ron & 102 would last on the street if they had to sell something to a business client with 3 competitors. My guess is, not for long.

          • February 12, 2014 at 2:35 pm
            Libby says:
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            It’s a free country, Agent, and you are entitled to say anything you want to Ron. As am I to you.

          • February 12, 2014 at 2:54 pm
            Ron says:
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            Agent,

            Please tell me what is my current position? Do you even know what I do for a living?

        • February 12, 2014 at 11:02 am
          Ron says:
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          Agent,

          Then why are you whining about talking to customers about how insurance works?

          The fact that you can speak with such certainty how someone would fair in the business world without KNOWING anything about their knowledge, experience, work ethic, connections, or any other necessary trait to be successful says a lot about how little credibility you have.

          Quit your complaining and learn something about underwriting and ratemaking.

          • February 13, 2014 at 6:20 pm
            Agent says:
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            Hey Ron, have you ever hit the streets to make a cold call on a prospective business, tried to sell yourself to them to gain interest, been brave enough to ask for their pertinent information to analyze their operation so you can put together a program of protection? Have you identified their hot button that you can use to sell the account or are you just an order taker from an agent who has done all the preliminary work to make a submission to you? A lot of accounts will let you quote, but they may mislead you and are really only keeping their agent honest. No, I didn’t think so.

          • February 14, 2014 at 8:17 am
            Ron says:
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            Agent,

            Yes I have. I started as a producer for an agency as was a top producer. I wanted to learn more about underwriting so I earned my CPCU. Then I worked for a large regional carrier in product management where I learned all about underwriting, coverage forms and ratemaking. I am now a broker for high net worth homeowners where I have the highest hit ratio and have written the most premium. Mostly because I understand underwriting and only submit applications that have a good shot of getting quoted and written. I don’t waste my time on accounts that have little or no chance. that gives me more time to focus on good accounts and my accounts have a high retention rate even when there are rate increases. I do not fear difficult conversations because I have the knowledge and experience to handle them.

            As I have said many times, you know nothing about me. Stop trying to act like you do.

  • February 10, 2014 at 5:57 pm
    Insurance 102 says:
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    • February 11, 2014 at 9:05 am
      Libby says:
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      Captives are an excellent option for a large account, but not for small or middle-market business. These are the accounts that are at the mercy of the insurance carrier. It’s much like the 1% that can happily make record profits and investment gains on the backs of the middle class.

      • February 11, 2014 at 10:31 am
        Insurance 102 says:
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        • February 11, 2014 at 10:36 am
          Insurance 102 says:
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          • February 11, 2014 at 11:09 am
            Libby says:
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            I hate to say it, but I am far from a socialist. I am pro-capitalism, but we need a different kind of capitalism in this country. We have the largest income disparity in our country’s history. The rich get richer and the middle class is disappearing. I have no problem with the 1% paying their fair share of taxes. Unfortunately they do not because they have access to tax loopholes and ways of hiding their money. When we can have an even playing field, then let’s talk.

            And just what would you expect the President of the United States to eat at a State dinner? Macaroni and cheese?

          • February 11, 2014 at 12:17 pm
            Libby says:
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            Aren’t you from India?

            Inequality in earnings has doubled in India over the last two decades, making it the worst performer on this count of all emerging economies. The top 10% of wage earners now make 12 times more than the bottom 10%, up from a ratio of six in the 1990s.

            • The Forbes list of billionaires featured 55 Indians in 2013. Strikingly, when the HDI is adjusted for inequality and every second malnourished child in the world is also an Indian.

            • There are in total 7 states of India which are lagging behind in the race of economic growth namely Bihar, Chhattisgarh, Jharkhand, Madhya Pradesh, Orissa, Rajasthan, and Uttar Pradesh. As per the recently released Human Development Report (HDR) 2013, India ranked 136th 134th the index loses its value by as much as 29.3 per cent.

            • Individual income inequality measured by the Gini index has also consistently risen, at 39.9 per cent in 2011. The Indian growth-inequality paradox is easy to pin down—the wealth that India creates is not evenly redistributed.

            I would think you’d have more empathy regarding wealth disparity, but then again you must be part of the upper echelon in your country. You must be a Brahmin.

          • February 14, 2014 at 9:43 am
            LiveFree says:
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            Just want to state that we have nothing close to a capitalist society right now. People should keep that in mind.

          • February 14, 2014 at 10:32 am
            Libby says:
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            Please explain.

          • February 18, 2014 at 3:06 pm
            LiveFree says:
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            Sorry for he late reply Libby I have been swamped lately. But I can explain and I think at least to some extent you will agree with me as you mentioned that we need a “different type of Capitalism” and that is very true. I just have a name for the different types.

            First we must define what kind we have now and then what kind we need. What we have now is a crony capitalist society. Where the super rich special interests and politically connected get tax breaks, are beneficiaries of industry regulations,loop holes, and are first receivers of new money, all while the lower class is propped up solely on entitlements reducing the lower class to dependency funded by debt to be paid my the middle class (only being taxed) which only serves to weaken the middle class and generate more income inequality .

            What we have is not free-market capitalism (which is what we need IMO) and it is very wrong to think the two are similar or use them interchangeably just because the word “capitalism” is in both. We have been in a society that has seen a battle of free-market vs. crony capitalism ever since Hamilton used “The American System” to describe his economic policy of corporate welfare, protectionist tariffs, central banking, and a large public debt. And ever since then cronyism has been winning that battle.

        • February 11, 2014 at 11:16 am
          Libby says:
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          Insurance 102 – how long have you been in this business? A small businessowner paying $5,000 in premium is in no way ready for captive insurance, sponsored cell or not. Neither is a middle-market account paying $50,000 in premium. There isn’t enough money to warrant the risk. The latter may be a candidate for a RRG or a dividend plan, but no way a captive product.

          • February 11, 2014 at 11:30 am
            Insurance 102 says:
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          • February 11, 2014 at 11:53 am
            Libby says:
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            102 – most of the PCCs I’ve seen require a minimum of $300k with a $25k retention per claim to participate. Hardly worth the risk for $100k premium account. If you are placing these clients in a PCC, you are doing them a disservice.

            BTW – I’ve got 34 years and 5 designations. So what?

  • February 10, 2014 at 9:45 pm
    gerard says:
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    It seems that the Insurance industry needs a whole lot more federal regulations! It is almost obscene that they can make these BILLIONS in profits off the backs of Americans. After putting profits into an account to cover future losses, excess money must be returned to policyholders.

    This industry is totally out of control. Where are the federal legislators?

    • February 11, 2014 at 9:45 am
      Ron says:
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      Gerard,

      I am posting this under the assumption that you are not being sarcastic.

      Did you miss the first sentence of the article? “A relatively quiet year for catastrophes helped the U.S. property/casualty industry achieve an underwriting profit for the first time in four years.” Or the part where it stated that the industry lost $12.5 billion in 2012 and gained $8.5 billion in 2013? That means a net loss of $4 billion over the course of 2 years.

      Your plan, “After putting profits into an account to cover future losses, excess money must be returned to policyholders.” That is what insurance companies are doing. That is why the industry does not go under after 4 straight years of underwriting losses. What are proposing that is different?

  • February 11, 2014 at 9:48 am
    Pedro says:
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    The industry needs to build reserves for the next next round of stupid price cuts that are inevitable. When carriers start reducing rates to gain market share there will be little fat to cut. Then we start the years of underwriting losses all over again.

  • February 11, 2014 at 12:24 pm
    Insurance 102 says:
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    • February 11, 2014 at 1:29 pm
      Libby says:
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      While you say premiums of $50k and retentions as los as $10k, you do not mention limits or stop loss. It sounds like your business is more like Wall Street than Insurance Row. Perhaps you work for AIG. The exact kind of company I would expect to come up with a scheme that seems enticing on the surface, but will bankrupt a company under the right circumstances. You’ve already said you work for a carrier, so the client’s best interest is not on your radar. When you’ve been an agent/broker for 34 years, let’s talk. It’s a whole nother ballgame.

      And JK must stand for Just Kidding, because there is no way you have gotten 8 designations in 12 years. My designations are CPCU, CIC, ARM, CRM, and AAI. What are yours?

      • February 11, 2014 at 1:42 pm
        Insurance 102 says:
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        • February 11, 2014 at 5:16 pm
          nomesaneman says:
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          My wife says I’m an SOB.

          • February 12, 2014 at 9:08 am
            Libby says:
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            That’s funny.

      • February 11, 2014 at 1:43 pm
        Insurance 102 says:
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      • February 11, 2014 at 1:51 pm
        Libby says:
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        I’ve never had anyone denigrate my designations before. Especially someone that is so enamored of their own. It appears you are either a company bean-counter or a total nerd. Or both.

        Again, get out on the sales floor and see how successful you are, pal. You wouldn’t have any beans to count without agents & brokers.

        • February 11, 2014 at 1:53 pm
          Insurance 102 says:
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      • February 11, 2014 at 1:52 pm
        Insurance 102 says:
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        • February 11, 2014 at 2:06 pm
          Libby says:
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          Kerala has the highest HDI and literacy rate in the country and their GDP is higher than the national average. In other words, people live well there. You obviously were raised believing you have some kind of status to be so pompous at such an early age.

          • February 11, 2014 at 2:36 pm
            Insurance 102 says:
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          • February 11, 2014 at 2:55 pm
            Libby says:
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            I mentioned nothing about growth, 102. I was talking about quality of life and the fact that you obviously have a huge chip on your shoulder.

            Pompous blowhards like me? You’re ridiculous. Go back to India.

      • February 11, 2014 at 1:57 pm
        Insurance 102 says:
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        • February 11, 2014 at 2:07 pm
          Libby says:
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          I did mine in 5 years, while working full time. I’m sure you did yours at Wharton when you had nothing to do but study.

          I teach CIC, CISR, and AIC. Oh, that’s right. Those are just fluff. LMFAO!

          • February 11, 2014 at 2:32 pm
            Insurance 102 says:
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          • February 11, 2014 at 2:33 pm
            Insurance 102 says:
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          • February 11, 2014 at 2:37 pm
            Insurance 102 says:
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          • February 11, 2014 at 2:57 pm
            Libby says:
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            Wouldn’t be surprised if you’re short and ugly with acne. Not to mention single and lonely.

          • February 11, 2014 at 3:20 pm
            Libby says:
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            AIC is much less challenging than CIC. But what would you know? You haven’t taken either.

        • February 12, 2014 at 9:43 am
          Agent says:
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          A little insurance humor 102 – CPCU stands for Can’t produce, Can’t Underwrite. That is pretty true for most of them I have met. They are just eggheads who wouldn’t have a clue on how to talk to a client and make a sale.

          • February 12, 2014 at 10:27 am
            KY jw says:
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            Snap! Actually, I’ve heard that before. ;-)

            :( I don’t have any letters after my name. I feel so inadequate. *snicker*

          • February 12, 2014 at 10:41 am
            Insurance 102 says:
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          • February 12, 2014 at 11:25 am
            Libby says:
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            102 – it is you that is clueless. Every good agent/broker knows if you sell on price, you will lose on price. I don’t need to run from carrier to carrier, because my business IS a relationship business. I sell service and value. The carrier is just a small part of the transaction. I’ve never needed or wanted an underwriter with me when I meet with clients. They usually end up putting their foot in their mouth and pissing someone off because they don’t know the first thing about sales. You can stay in your cubbyhole and crunch numbers.

  • February 11, 2014 at 12:28 pm
    Insurance 102 says:
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    • February 11, 2014 at 1:20 pm
      KY jw says:
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      Well, personally, I would skip the caviar. Been there, done that, blach. Filet mignon, that’s not all that outside the norm. It’s steak. Good steak, but still, no biggie, $20 to $25 a serving here (at a restaurant – much less if you buy it at the grocery store). The wine, well, I’m partial to Oregon and Australia wines, but I guess Cali wines get better billing. Just sayin’. To fix this meal at the White house, even at inflated prices you’re not going to spend more than $75 per person. So what?

      • February 11, 2014 at 1:48 pm
        Insurance 102 says:
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        • February 11, 2014 at 1:56 pm
          Libby says:
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          Do you think the White House chef pays retail for his groceries? When you’re buying 100 lbs at a time, you get a helluva deal. Comparing the cost of this meal to one in a NYC restaurant is absurd. You may have 8 designations, but you have no common sense.

          • February 11, 2014 at 1:59 pm
            Insurance 102 says:
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          • February 11, 2014 at 2:09 pm
            Libby says:
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            Delmonico’s & Peter Lugar’s are in the business of making a profit. That doesn’t mean they don’t pay the same price for raw product. Use your head beanie boy.

          • February 13, 2014 at 12:16 pm
            Agent says:
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            Libby, I would almost bet the Chef really doesn’t care what the groceries cost. After all, it isn’t his money and it is all on the taxpayer dime anyway. If we knew how much the White House spends on their parties and State Dinners in a year, it would make our eyes pop out kind of like the expense of flying around on AF1 and the fleet of planes when the President goes on his frequent sojourns around the country trying to sell his agenda.

          • February 14, 2014 at 8:50 am
            Libby says:
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            That could be said for every presidential administration, but I don’t expect the leader of the free world to eat T.V. dinners, do you?

        • February 12, 2014 at 10:37 am
          KY jw says:
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          Actually, you are comparing restraurant prices to wholesale or even grocery store prices.

          Seriously, you can buy filet for less than $15 per pound at the store. Most servings are 6oz (1/3 lb), though some people will eat the 8 or 9 oz size (1/2+ lbs). So, even if the filet is sold for double what we pay in KY, that makes the meat no more than $17 per 9oz servings of beef. Surely, the vegetables and other accompanying dishes will total less than $15 per person. Okay, we are at $32 per person. Oh, caviar – I have no clue how much that costs (because I don’t like it so I don’t care how much it costs). Hmm, let’s say caviar purchased fresh from whereever is $20 per serving. No problem, we are now at $52 per serving. Since I set the price at $75, that leaves $23 for the wine per person. That’s doable even in DC. And, yes, I know it is. Been there, done that.

          • February 12, 2014 at 10:46 am
            KY jw says:
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            Oh, I just googled caviar. That crap is expensive if you get the Beluga ($136 / oz). American caviar, on the other hand, is less than $20 per ounce ($36.25 for 2oz). Since the White House chose California wine, I’m guessing they might go with the American caviar, so my numbers might still be accurate.

          • February 12, 2014 at 11:22 am
            Insurance 102 says:
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    • February 11, 2014 at 1:24 pm
      Libby says:
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      Kerala? That explains it then. Perhaps you should travel more in your own country to get a real idea of wealth disparity.

      • February 11, 2014 at 3:40 pm
        Insurance 102 says:
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        • February 11, 2014 at 3:44 pm
          Libby says:
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          What the hell does that have to do with wealth disparity?

          • February 11, 2014 at 3:49 pm
            Insurance 102 says:
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          • February 11, 2014 at 3:54 pm
            Libby says:
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            What the hell is wrong with you? So far you have called me socialist, racist, fat, academically inept, and a Commie.

            You don’t know me. You know nothing about me. You’re the epitomy of a spoiled brat. Name calling with no basis in fact because I said something you disagreed with.

            Guess what, pal? There are going to be people that disagree with you. And believe it or not, you are not always right although I’m sure you think you’re the smartest guy in the room.

            You need to back off Jack

          • February 11, 2014 at 4:02 pm
            Insurance 102 says:
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          • February 11, 2014 at 4:18 pm
            Libby says:
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            You think if a few projects were relocated that would end wealth disparity in India? You’re insane. India has a third of the world’s poorest people.

            Their politics are abhorrent and the amount of corruption obscene. I am not in favor of socialism as I have seen what it has done to Russia and India. How you could ever call me that is beyond me.

  • February 11, 2014 at 2:30 pm
    Insurance 102 says:
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    • February 11, 2014 at 2:59 pm
      Libby says:
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      You just proved my point, idiot. There’s nothing wrong with making a profit. What’s wrong is you building in Delmonico’s profit margin into the cost of a government meal. Go back to India. We don’t need people like you in OUR country.

      • February 11, 2014 at 3:38 pm
        Insurance 102 says:
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        • February 11, 2014 at 3:45 pm
          Libby says:
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          Klan meeting? Racist? You and Sarge must be burning the midnight oil together! What did you say about it? Tossing salad and something about teabags?

          You’re hilarious. I’m no racist. I just don’t like you.

          • February 11, 2014 at 3:57 pm
            Insurance 102 says:
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          • February 11, 2014 at 4:20 pm
            Libby says:
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            If you were born here, then you shouldn’t refer to yourself as Indian-American. You should just say American. You know, I stood up for you on another post but I think Agent and Sarge are right. You’re an asshole.

        • February 12, 2014 at 11:11 am
          KY jw says:
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          Insurance 102 – you are starting with an assumption that the White House kitchen wouldn’t be fully staffed all the time. All meals are provided by the White House kitchen. Also, the President picks a chef to work for him. That chef and their staff will be paid whether or not they have a state dinner to prepare. So, why not have them prepare the meal if they’re going to be paid anyway?

          I picked out a few good quotes from an article this morning:

          http://minnesota.cbslocal.com/2014/02/11/good-question-why-do-white-house-state-dinners-cost-so-much/

          Good Question: Why Do White House State Dinners Cost So Much?
          February 11, 2014 11:22 PM

          “On Tuesday night, President Barack Obama and First Lady Michelle Obama hosted French President François Hollande for an official state dinner at the White House.”

          “Anita McBride, former chief of staff to First Lady Laura Bush and current executive-in-residence at the Center for Congressional and Presidential Studies in the School of Public Affairs at American University.”

          “She estimates the cost of food and wine per person was similar to past state dinners.”
          “’Food and wine are not where the greatest expense is because that is something we’re used to,’ McBride said.”

          *****pay attention – here is the info on the food*****
          “On Tuesday night’s menu: caviar from Illinois, potatoes from Idaho and New York, rib eye beef from Colorado, tangerines from Florida, chocolate from Hawaii and wine from Washington and Virginia.”

          “The bottles of wine were priced between $30 and $65….”

          I think my $75 per person is probably much closer to what they spent than the $200 you said.

  • February 11, 2014 at 3:42 pm
    Insurance 102 says:
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    • February 11, 2014 at 3:46 pm
      Libby says:
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      Oh, brother. No thanks. I don’t go for scrawny Indian types. Too girly for me.

      • February 11, 2014 at 3:51 pm
        Insurance 102 says:
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      • February 11, 2014 at 3:52 pm
        Insurance 102 says:
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        • February 11, 2014 at 3:57 pm
          Libby says:
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          And just what do you call calling me fat? Stereotyping women you can’t intimidate? I think you are the ignoramus here.

          • February 11, 2014 at 3:59 pm
            Insurance 102 says:
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          • February 11, 2014 at 4:19 pm
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          • February 11, 2014 at 4:22 pm
            Libby says:
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            I called myself curvy. That’s a long way from fat, pal. Besides, if I was fat (which I am not) I can lose weight. You’ll always be an asshole.

            You and your boyfriend will be happy tossing salad and sucking teabags together.

  • February 11, 2014 at 4:56 pm
    Insurance 102 says:
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    • February 12, 2014 at 8:59 am
      Libby says:
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      That confirms it. You are an idiot. LMFAO is laugh my f*cking ass off you retard.

    • February 12, 2014 at 8:59 am
      Libby says:
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      And English is obviously your second language.

      • February 12, 2014 at 10:32 am
        Insurance 102 says:
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        • February 12, 2014 at 11:14 am
          KY jw says:
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          You may have an excellent command when compared to other ESL people, but not compared to those of us who were reared by a true grammar nazi.

          • February 12, 2014 at 11:23 am
            Insurance 102 says:
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        • February 12, 2014 at 12:27 pm
          Libby says:
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          You wouldn’t even be able to get into Penn.

          • February 12, 2014 at 12:37 pm
            insurance102 says:
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          • February 12, 2014 at 1:19 pm
            Libby says:
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            I’m sure West Philly felt the same.

  • February 11, 2014 at 5:07 pm
    Insurance 102 says:
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  • February 11, 2014 at 6:22 pm
    Children, Children says:
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    Why don’t you just make a time and place date to beat the snot out of each other and not subject everyone to your petty bickering? It could solve a lot of animosity.

    • February 12, 2014 at 9:00 am
      Libby says:
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      Good idea. I’m sure I could take the scrawny Indian hands down.

      • February 12, 2014 at 10:06 am
        Agent says:
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        So Libby, you are now getting a big dose of 102. How do you like him so far? He has hurled enough insults at you for 10 bad posters and makes boogereater look mild by comparison. I must say you have given back in kind. Way to stick to the issues you two. I think 102 is probably the worst poster in the history of IJ. As Kyjw is fond of saying – Go away!

        • February 12, 2014 at 10:12 am
          Libby says:
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          Yes, Agent, you and Sarge were right. 102′s an arrogant douchebag.

        • February 12, 2014 at 10:27 am
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        • February 12, 2014 at 10:45 am
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        • February 12, 2014 at 11:24 am
          KY jw says:
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          Agent, 102 really doesn’t understand the US. And, yes, I’ve thought about posting a “go away” for this series of posts.

          I did get drawn off topic with them, though. For that, I’ll take my punishment. Bad me! I am sorry for my lapse in judgement. No more responding to 102. ;-)

          • February 13, 2014 at 12:26 pm
            Agent says:
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            Hey KYjw, 102 now holds the dubious record of the most dislikes and the fastest to hit the hidden comments in the history of IJ. Who here agrees with anything he has to say? As you say, he should just Go Away.

          • February 14, 2014 at 10:14 am
            KY jw says:
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            Well, when you attack the only person who defends you, it doesn’t take long to get thumbed down. I think it’s safe to say his posts will be hidden as soon as they are submitted. ;)

      • February 12, 2014 at 10:19 am
        Insurance 102 says:
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        • February 12, 2014 at 11:43 am
          Libby says:
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          You must feel like a big man now. I don’t need to change a thing about myself, but you need someone to slap the shit out of you.

          • February 12, 2014 at 12:29 pm
            insurance102 says:
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          • February 12, 2014 at 12:58 pm
            Libby says:
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            I wouldn’t hit on you with a 10 foot pole. You’re probably 5’6″, 120 lbs, with greasy slick-backed hair, long fingernails, B.O., and bad breath from all that curry you slurp down. And yes, that’s a stereotype. Of EVERY Indian man I have ever met. LOL!

            My husband is 6’4″, 200 lbs, with a full head of hair, green eyes, and a smile that would light up a room. There is not a person alive that doesn’t like him and I’m the luckiest girl in the world that he picked me. Why would I want choice A. (greasy, little man) when I can have all that. You wouldn’t get a second glance.

        • February 12, 2014 at 11:48 am
          Libby says:
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          Just a small English lesson for the ESL student:

          I’d have to TAKE my hands off those two or three Big Macs. You put your hands on and you take your hands off.

          Agent would need the help of an intelligent underwriter to hold the clients (client’s is a contraction for client is) hand and sell them on (you don’t sell of, you tell of) the resources that a carrier can bring.

          You must have either had someone take your SAT for you or you’re a liar. I’m betting on the latter. (That means the second one in case you didn’t know.)

          • February 12, 2014 at 11:57 am
            Agent says:
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            Libby, 102 can insult all he wants and it doesn’t change a thing. I am a proud, successful Independent Agent who runs circles around his likes. He is sitting in his tiny cubicle working for AIG and wishing he had my operation.

          • February 12, 2014 at 12:31 pm
            insurance102 says:
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          • February 12, 2014 at 12:35 pm
            Libby says:
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            His insults are so childish as to be laughable. He’s obviously got some serious insecurity inssues.

          • February 12, 2014 at 1:03 pm
            KY jw says:
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            Libby, step away from the troll. Back away slowly so as not to startle him. This is a PSA.

            ;-)

          • February 12, 2014 at 1:05 pm
            Libby says:
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            LOL, KY! You’re right, but I was having so much fun with the little guy…

  • February 12, 2014 at 12:47 pm
    insurance102 says:
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    • February 12, 2014 at 1:00 pm
      Libby says:
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      Oh, hardy-har-har. Your sophmoric fat jokes are just hysterical. Especially since I’m not fat. But keep it up. It’s only helping to prove what a moron you are.

      • February 12, 2014 at 1:20 pm
        insurance102 says:
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        • February 12, 2014 at 1:42 pm
          Libby says:
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          A blonde, blue-eyed, version of Ann Margaret would be closer. Supercilious could be accurate when describing you, but I prefer asshole.

          And I’m not getting my husband mixed up with anyone. He’s one handsome man. In fact, he’s the spitting image of the Marlboro Man. Who do you look like? A.R. Rahman?

          • February 12, 2014 at 2:01 pm
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          • February 12, 2014 at 2:07 pm
            Libby says:
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            Nothing else, pendejo.

  • February 12, 2014 at 1:16 pm
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    • February 12, 2014 at 2:15 pm
      Agent says:
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      I would peg you as a bad imitation of Bobby Jindal but of far less intelligence.

  • February 12, 2014 at 2:17 pm
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    • February 12, 2014 at 2:45 pm
      Agent says:
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      I do agree that you are far less intelligent than Jindal. In fact, you are probably somewhere between idiot and imbecile on the IQ scale. On top of that, you have a mean streak a mile wide. As KYjw says, go away.

  • February 12, 2014 at 2:58 pm
    insurance102 says:
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    • February 12, 2014 at 3:23 pm
      Libby says:
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      Would you like a slurpee with that?

  • February 12, 2014 at 3:09 pm
    Children, Children says:
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    Looks like you still can’t play nice. Maybe the rest of us can get together with you to make a time and place date to beat the snot out of both of you!

    Give it a rest people!!!!

    • February 12, 2014 at 3:14 pm
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      Dear Mommy: Nobody is making you click on the link, are they? If you don’t like it, don’t read it. Simple as that. Now, back to the playground. Love, Your Child

      • February 12, 2014 at 4:47 pm
        But Libby, says:
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        I usually like your comments here, but you let 102 draw you in. Too bad. I click on the link just to see the childish reparte between the two of you.

        Love back to you, Dad (No, I’m not Mommy!)

        • February 14, 2014 at 9:05 am
          Libby says:
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          You’re right, Dad (you always were!). I apologize for taking the baited hook and will try to do better. Love, Libby.

          • February 14, 2014 at 3:12 pm
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            Happy Valentines Day to you!!
            Love, Dad

    • February 12, 2014 at 3:34 pm
      Insurance 102 says:
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      • February 12, 2014 at 3:48 pm
        Libby says:
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        LOL! I’m mop the floor with your pansy ass and I wouldn’t even need to put my burger down! LMFAO!!

      • February 12, 2014 at 5:57 pm
        Agent says:
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        Troll 102, have you ever heard the term – Hell hath no fury like a woman scorned? If I were a betting man, I would put my money on Libby in a fight with you. She would be kind of like what Jennifer Lopez did to her abusive ex husband in the movie “Enough”. She mopped the floor with him.

        • February 12, 2014 at 6:41 pm
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    • February 13, 2014 at 9:04 am
      KY jw says:
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      Don’t know if I’d go that far, but I understand Libby’s frustration. Some days I don’t like the anonimity of the internet. I think people take their insults to the next level because they know that no one can find them. I know, it doesn’t change the fact that the comments went so far off topic as to make this laughable.

  • February 12, 2014 at 6:19 pm
    Insurance 102 says:
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    • February 14, 2014 at 9:02 am
      Libby says:
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      Good Riddance, 102. Now I can eat my donut in peace.

  • February 13, 2014 at 9:41 am
    Agent says:
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    We hope the above is your sign off post forever, 102. It is interesting that you have to live in an apartment, take the subway to work everyday. To hear you rant, you are king of the world up there in the Big Apple. Me, I will take my nice house which is paid completely off, nice cars and successful Independent Agency. Your job is dependent on the marketplace and the whim of AIG’s personnel decisions. Once they audit your computer and see how much you are on this post, they may be handing you your cardboard box to clean out your desk.

    • February 13, 2014 at 2:02 pm
      Ron says:
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      Gee Agent, sounds like you’re doing quite well in this horrible Obama economy.

      Go ahead and tell me you’re successful in spite of him and what a fantastic boss you think you are. It is amazing that it does not really matter who is in office if you work hard enough, does it?

      • February 13, 2014 at 4:30 pm
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        Ron, we get by, but I did a lot better prior to the horrible Obama economy. Yes, I don’t mind telling you I am successful inspite of him and yes I am a good boss who treats his employees well and no they aren’t Progressives like you are. I am fortunate I live in Texas which is doing quite well with energy production, lower cost of living, no state income tax and a state with a surplus in their budget. You would be freezing your butt off back east if Texas wasn’t shipping those millions of cubic feet of gas per day up there. Your post sounds a lot like jealosy to me.

        • February 13, 2014 at 6:34 pm
          Ron says:
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          Agent,

          In one post you brag about how well your agency is doing, “I will take my nice house which is paid completely off, nice cars and successful Independent Agency”, then you say, “we get by”. Make up your mind. Is your agency successful or just getting by?

          I am not exactly sure where you get jealousy from my post. However, I am happy that you are successful. I just wished you would spend more time appreciating what you have and less time complaining that you do not have it better.

          Do you agree that success is based more in hard work than who is in office? I have improved my standard of living during each of the past 6 Presidents and I can assure you none of them had anything to do with my success.

          I live in WNY where we are heated by natural gas that is supplied locally by National Fuel Gas Co. We don’t need your oil.

          • February 14, 2014 at 11:18 am
            Agent says:
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            Ron, you just can’t help yourself insulting me at every opportunity. I guess that is a trait of a northern yankee who thinks they are superior to anyone from south of Tennessee. I guess I am not surprised now that I know you are from NY, one of the most Progressive states in the union. Your claim to be an Independent is a joke. What you have to choose from is either left or further left. What a choice.

            Your question – Do you agree that success is based more in hard work than who is in the office? It is a goofy question. You are going to have to do better than that. Speak English please. I am glad you have done well. How do you feel about the President saying last year – If you have had success, you didn’t do that! If you built a building, you didn’t build that. He thinks no one can do anything without the government.

            By the way, we aren’t sending NY oil. We have pipelines sending natural gas up there by the billion cubic feet. How is your heating bill up there in the Polar Vortex?

          • February 14, 2014 at 11:21 am
            Libby says:
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            How did he insult you?

          • February 14, 2014 at 11:22 am
            txmouthbreatherboogereatertx says:
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            Tennessee is too far South Agent, we draw the line at Pennsylvania. And the north doesn’t get natural gas from Texico, there is plenty of it up here. It’s even in our drinking water.

          • February 14, 2014 at 12:15 pm
            Ron says:
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            Agent,

            Since you have yet to work on improving your reading comprehension skills, here is another way the phrase the question:
            What do you believe is more important to an individual’s success; hard work or who is the President of the United States?

            I apologize, I should have benn more clear. We do not need your oil or natural gas. We are sitting on one of the largest sources of natural gas in the country. Ever hear of the Marcellus Shale?

            What Texas company is sending natural gas to WNY? My heating bill is on budget, so not too bad. In addition, I am a stockholder of National Fuel Gas so I am hedging on any price increases.

  • February 14, 2014 at 1:24 pm
    Agent says:
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    Ron, since you don’t understand me and I seem to not understand you, perhaps we should refrain from corresponding with each other. I didn’t say Texas was sending natural gas to WNY. We are sending it to the East Coast to areas that don’t have resources. Pull up one of your marvelous websites to show the pipelines running to the East Coast from Texas sometime. I have seen the diaghrams before and there are a bunch of them. What does your heating bill run Ron? You said not bad. Is that $500 per month, $800 per month? What is not bad to you?

    • February 14, 2014 at 1:47 pm
      Ron says:
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      Agent,

      I undestand you completely and address nearly all of yor questions and try to find common ground. Whereas you look for hidden meanings in my posts and only respond when you believe we disagree.

      You never answered my question. What do you believe is more important to an individual’s success; hard work or who is the President of the United States?

      You said, “By the way, we aren’t sending NY oil. We have pipelines sending natural gas up there by the billion cubic feet.” Texas is supplying NYC, not WNY. Do you know the difference?

      My gas bill is $80 per month year round and that includes a gas stove. And, as you know, I love to cook. In addition I get almost of that back in quarterly dvidends from my stock.

      • February 14, 2014 at 5:08 pm
        Agent says:
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        Did you ever google Natural Gas Pipelines in the US? It has a very good map of all the pipelines going from Texas to the N/E and many of them to NY state. Are you saying Texas is not sending gas up there? You are a liar for that statement. There are not many going west from Texas, but a whole bunch going north and east.

        Regarding your silly trap question about hard work or who is the President of the US being more important to an individuals success, I will not apologize to you or anyone else for my success. My numbers reveal that I did much better before Obama and expect to do better again after he has gone and all his Progressive minions and we return to a free market society. He is the biggest job killer and anti- business President who has ever been in office. Even your Progressive mind should have realized that by now.

        • February 14, 2014 at 6:45 pm
          Ron says:
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          Agent,

          All I said was that there are no natural gas pipelines from Texas to WNY (Western New York) where I reside. If you have proof otherwise, please provide.

          It was not a trap question. You constantly brag about how much Texas has been growing and the success of your agency recently. I was just trying to show that those are examples that the person in the White House does not determine success. You can’t even take a compliment without ripping on Progressives.

          Stupid Republican.

          • February 17, 2014 at 11:39 am
            Agent says:
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            Ron, you continue to talk in circles. I guess being a two faced Independent takes its toll on your brain cells. Our agency has grown “despite” what all has gone on under the new King’s leadership. If you think that his statement that the economy is doing “just fine” then you need to admit yourself to the nearest treatment center in WNY if you can dig yourself out of the snow drifts.

          • February 17, 2014 at 12:22 pm
            Ron says:
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            Agent,

            What snow drifts?

            I am still waiting for you to provide all of the negative data about the economy. I do not want any more news reports or you telling me to open my eyes and ears.

            PROVIDE DATA OR SHUT UP!!!!!!!!!!!!!!!!!!!!!!!!!

            If the economy is performing as poorly as you say, it should be easy.

  • February 14, 2014 at 5:21 pm
    txmouthbreatherboogereatertx says:
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    Weird how in Texico they talk about drilling holes in your “back yard”, thrust drills in said holes until the penetration causes a fill up with all sorts or fluids, all just to extract gas. Wouldn’t it just be easier to fart Agent?

    • February 17, 2014 at 6:23 pm
      Agent says:
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      Ron, I am not the Progressive Troll on this website. You can stop with all the old info bogus websites, don’t quote Paul Krugman and then feign to have Conservative fiscal values. We don’t want to see that nonsense so you can just sign off or SHUT UP ABOUT IT!



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