Monthly Archives: January 2017

Immigration Ban on Select Populations

I’m not a fan of Trump but I do believe we need to review our borders, review our immigration polices in order to protect our nation. This is only a temporary order.

The United States has the world’s most generous immigration system but we cannot continue to feel obligated to take on every persecuted, threatened, tortured or disadvantaged populations of people around the world. Especially not when we have people in our own country that our going thru the same ordeals. Let’s take care of ourselves first as many are suffering here at home.

America First, may have been Trump’s campaign but it sits fine with me!

Protecting The Nation From Foreign Terrorist Entry To The United States

Release Date: January 29, 2017

The Executive Order signed on January 27, 2017 allows for the proper review and establishment of standards to prevent terrorist or criminal infiltration by foreign nationals. The United States has the world’s most generous immigration system, yet it has been repeatedly exploited by terrorists and other malicious actors who seek to do us harm. In order to ensure that the United States government can conduct a thorough and comprehensive analysis of the national security risks posed from our immigration system, it imposes a 90-day suspension on entry to the United States of nationals of certain designated countries—countries that were designated by Congress and the Obama Administration as posing national security risks in the Visa Waiver Program.

In order to protect Americans, and to advance the national interest, the United States must ensure that those entering this country will not harm the American people subsequent to their entry, and that they do not bear n\malicious intent toward the United States and its people. The Executive Order protects the United States from countries compromised by terrorism and ensures a more rigorous vetting process. This Executive Order ensures that we have a functional immigration system that safeguards our national security.

This Executive Order, as well as the two issued earlier in the week, provide the Department with additional resources, tools and personnel to carry out the critical work of securing our borders, enforcing the immigration laws of our nation, and ensuring that individuals who pose a threat to national security or public safety cannot enter or remain in our country. Protecting the American people is the highest priority of our government and this Department.

The Department of Homeland Security will faithfully execute the immigration laws and the President’s Executive Order, and we will treat all of those we encounter humanely and with professionalism.


iPhone 6 stopped working

So I’m on I-64 in WV in the mountains streaming music and using the navigation system from my iPhone 6 when all of a sudden the screen goes black. Thinking my power cable must have become dislodged I fiddle with it and nothing. I decide maybe the car accessory port went out so plugged into another one. Still no luck. Switched out the cable and finally put my battery pack on the iPhone and still no luck. Managed to survive all the way to Statesville, NC before stopping and seeing if I could get my iPhone to work by connecting to my MacBook-iTunes. No luck. Frantic now I get online to find the nearest Apple store anywhere! Found two in Charlotte, NC so there I went since I was driving thru there anyway. Nice, young friendly Apple Tech guy plugged my phone into a diagnostic device and determined the problem – my processor is fried! I asked how could that be? Of course the reply, it just happens. So of course I’m out of warranty but for $300 they could replace the phone. I said that I was on a payment plan thru AT&T so wasn’t there something they could do. Well for $280 I could buy out my plan and keep my dead phone unless AT&T was willing to take the phone as turn in by buying out the remaining payments of totaling $80. I decide to go to AT&T and told them I wanted to upgrade and got the new 128 GB Jet Black 7 Plus. Clerk looked over the phone and saw was in pristine condition with no scratches. I though I was all set until the clerk tried to turn the phone on and nothing. She plugged it in and still nothing. Needless to say I had to pay the $280 plus the taxes on the new iPhone. I walked out the door much poorer (using all my savings) but I was at least connected to the world again. The phone is beautiful but by the time I got to Columbia, SC was dismayed at all the smudges and grime on the surface. This apparently is a flaw of the Jet Black phone as well as being highly susceptible to scratches. So going back to AT&T today to trade in for a different color and heck might as well just get a 256 GB. LOL. Also there is a repair service next to AT&T and will check to see about putting a new processor in the iPhone 6. If they can get it fixed and is reasonable before I leave I’ll just get that fixed and take the iPhone 7 back to AT&T. Sad thing is I’m really liking the feel and speed of this new phone. Battery life seems to be much better than my iPhone 6 as well. Yea, I can’t live without my phone!



If you set yourself up to fail either by feelings or actions you just will. Get up every morning and say: “I will do my best.” If you make this your daily mantra you will not fail.
– SET II [01/25/17]

Respect begets respect

It upsets me to read on social media the people that are upset because people on their feed did not vote for the candidate they did and therefore deem it acceptable and appropriate to remove them. It upsets me the closed mindedness of people that act this way as it demonstrates the same bias that they feel they saw in the candidate they didn’t vote for. I have worked and interacted with many a person that had differing views as I on many things but we both worked together to accomplish our goal. After all the true act of accepting of others is learning to interact together regardless of each other’s differences. Respect begets respect and at the end of the day has nothing to do with who you voted for.



Best’s Review – January 2017

The new president’s policies are a potentially potent elixir for insurers.

Donald Trump’s inauguration this month represents the end of an intense period of speculation and sophistry about his administration’s policies and the beginning of their implementation. Trump’s impact on the structure and operation of government will be profound, chiefly because his administration will benefit from majorities in both houses of Congress, and only secondarily because Trump is the ideological antipode of his predecessor. His impact on the economy, on the other hand, could be even more impactful—music to the ears of the growth- and yield starved insurance industry.

For insurers and their policyholders, changes large and small are in store. There’s no question the Affordable Care Act (ACA)—first on the long list of Obama-era legislation Republicans have queued up for annihilation—will be ceremonially extirpated in the opening hours of the new administration. And yet, Trump has already made multiple concessions to reality: Republicans suffer from pre-existing conditions just like Democrats and have trouble affording health care. And they’ve come to like the option of keeping their kids on parental plans until the age of 26. The bottom line is that the campaign promise to “repeal and replace” Obamacare will be implemented as something more akin to a reform and restructuring effort rather than a complete repudiation of President Obama’s signature legislative achievement. Popular elements of the ACA will be retained, while the much-loathed individual mandate to purchase coverage will almost certainly be eliminated. Private health insurers are likely to gain more underwriting freedom as coverage mandates are jettisoned, which should help arrest and reverse the adverse selection death spiral that has led many insurers to abandon the ACA exchanges. Competition in terms of price and product should increase, moving the American health care system away from the single-payer model in which it was headed.

The early messaging on Obamacare is encouraging because it suggests Trump’s vision for “making America great again” involves a pragmatic approach toward vexing problems. Overregulation is one of those problems, and insurers are hoping for relief from bank-centric regulation through a partial rollback or reform of Dodd-Frank. Easing of the Department of Labor’s fiduciary rule could benefit life insurers. The urgency with which a Trump administration will tend to insurance industry concerns, apart from the ACA, is unclear. Trump is said to reward loyalty, and when it comes to prioritizing, administration insiders may notice that insurers donated nearly five times as much to Hillary Clinton’s campaign as they did to his own.

After a momentous election such as this, the industry’s political pundits can be forgiven for focusing too much on the regulatory trees and not seeing the economic forest. The reality is that the greatest gift Trump and his compliant Congress are likely to bestow on the industry is the potent combination of faster economic growth and higher interest rates. A mere one percentage point improvement in GDP growth could add $5 billion to $6 billion in premiums per year to the top line of growth-starved property/ casualty insurers. The expectation for faster growth is pushing up yields. Higher interest rates could arrest the slide in P/C insurer investment income, which remains nearly 20% below pre-crisis levels. Insurers were as surprised as any industry by Trump’s victory. The potent combination of a lighter regulatory burden, faster economic growth and higher interest rates could be just what the industry needs to jolt it from its growth and ROE doldrums.
Best’s Review columnist Robert P. Hartwig, Ph.D., CPCU, is past
president of the Insurance Information Institute and current professor
of risk management, insurance and finance as well as co-director of
the Center for Risk and Uncertainty Management at the University of
South Carolina’s Darla Moore School of Business. He can be reached


I have a dream where we are not defined by the color of our skin but by the conversations we have with each other.

I have a dream where we are not defined by the color of our skin but by the conversations we have with each other. We judge by dialogue and the conversations we have with the intellectual ability to understand another’s viewpoint and the way it is communicated. We respect and understand each other and walkaway not from what we have shared but rather what we have learned. – SET II 01/16/17


Leather is Better!

I’m sorry folks but as long as we kill cows for food we’ll have their skins for leather. To waste this product is not really very environmentally friendly. I would rather have that natural leather on my body or feet than the petroleum needed to make that faux leather product! And rest assured other than outgrowing the item, leather will last for decades. Case in point I sold a leather jacket last year that was over 35 years old for $15 at the Westgate Yard sale!

“If you can buy a pair of boots that last twice as long as a synthetic alternative, you’ll end up with half the environmental impact in the long run…”

Is Fake Leather Really More Eco-Friendly Than Real?

Gay Real Estate

Hmmm very disappointed with a response I received from the Operations Manager of Gay Real Estate, after I made a query about relocating assistance to another state and asking about potential renting a house first before making a decision to buy a home in an unfamiliar area and seeking and wanting to do business with an LGBT organization for this process.

Jodi Gerber
Operations Manager
Gay Real Estate

Dear Jodi:

Regarding your response to my query on your website seeking your organization’s assistance in relocating to another state and to pursue housing options with the ultimate goal to purchase a home in a new area and your reply that “…our agents do not typically handle rental transactions..” I reflect on the definition of a a real estate agent as a person who sells or rents houses, land, offices, or buildings. Seems contrary to your statement and in my professional experience as an insurance agent that has always seized an opportunity to network, assist, engage and help others even if it was outside of my direct occupation of “selling” insurance; helping outside of your product sell eventually brings business two-fold into your product pipeline. It is also my understanding that it is not at all uncommon for real estate agents/realtors to assist a potential client in renting accommodations before purchasing a home especially for an out of area person wishing to locate to a new area. As in the Insurance Industry this is establishing a relationship pipeline that potentially would lead to business for the real estate agents/realtors. I sought out your organization for this process. The fact that you state that your agents typically do not handle rental transactions, information on potential locations, favored areas to purchase and relocation information (which initially your organization offered to send me) I personally find insulting and especially since I sought out to do business with an LGBT organization. I will not consider going forward with doing business with your organization and would strongly suggest you re-evaluate your position on this especially your statement of not typically handling rental transactions which I’m sure from what I know of real estate agents is not the case as there are always situations where a seller may want to rent a home for awhile and a buyer may want to evaluate a new area before making a commitment to buy.

This is all in the realm of professional networking and I assure you coming from an insurance agent’s perspective these are all excellent opportunities for professional networking and professional referral networking all of which any agent in any industry would lick their lips for.