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ICYMI: “Most developing countries have 1-2% insurance penetration rates… Most developed markets we’re talking maybe 40%... that gives you a sense of what happens when you do have these catastrophes,” Insurance Development Forum’s eiyahen #SustainableBizSummit. ⏯️

Bloomberg Live

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38,184 views • 1 year ago •via X (Twitter)

News & Politics Education Finance #SustainableBizSummit

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Bloomberg Live1 year ago

ICYMI: “Looked back at nine years of news data.. We’ve used news codes… to identify when ESG events happen…we’re also looking to see if there’s a correlation between that event and stock price or credit spread,” Bloomberg’s Eric Kane at #SustainableBizSummit. ⏯️

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Neguse: It sounds like you’re a big fan of these AHPs Walberg: I am Neguse: Are you on one? Walberg: I don’t have to be Neguse: What do you mean? Walberg: I have insurance Neguse: What kind of insurance? Walberg: A good insurance Neguse: Not an AHP? Do you get essential health benefits? I think the people should have the same health insurance you have.

Neguse: It sounds like you’re a big fan of these AHPs Walberg: I am Neguse: Are you on one? Walberg: I don’t have to be Neguse: What do you mean? Walberg: I have insurance Neguse: What kind of insurance? Walberg: A good insurance Neguse: Not an AHP? Do you get essential health benefits? I think the people should have the same health insurance you have.

Acyn

136,077 views • 7 months ago

Insurance is the biggest aspect of personal finance that the vast majority of Indians struggle with. One big reason is a lack of awareness about insurance, rampant misselling complexity, spam, etc. Health insurance and life insurance (term insurance) are the only two products most people need. But the products that are sold the most are ULIPs and other traditional products that promise both insurance and investments but offer the worst of both worlds, not to mention the ridiculous commissions. To make insurance simple for you, we recently hosted an AMA with Shrehith Karkera, co-founder of Ditto Insurance. As he beautifully put it: "Buying life insurance is the kindest gesture you can offer to your dependents and family because when you ask most people what's the most important thing in life, they say family yet most of them won't have term insurance. " "Insurance helps you deal with black swan events—things you don't see coming." The AMA has answers to even the most basic questions, like: Will smokers get insurance?, is corporate insurance sufficient?, and more. Check the link in the comments.

Insurance is the biggest aspect of personal finance that the vast majority of Indians struggle with. One big reason is a lack of awareness about insurance, rampant misselling complexity, spam, etc. Health insurance and life insurance (term insurance) are the only two products most people need. But the products that are sold the most are ULIPs and other traditional products that promise both insurance and investments but offer the worst of both worlds, not to mention the ridiculous commissions. To make insurance simple for you, we recently hosted an AMA with Shrehith Karkera, co-founder of Ditto Insurance. As he beautifully put it: "Buying life insurance is the kindest gesture you can offer to your dependents and family because when you ask most people what's the most important thing in life, they say family yet most of them won't have term insurance. " "Insurance helps you deal with black swan events—things you don't see coming." The AMA has answers to even the most basic questions, like: Will smokers get insurance?, is corporate insurance sufficient?, and more. Check the link in the comments.

Nithin Kamath

167,536 views • 2 years ago

Another ‘conspiracy theory’ proven true Danielle Lammon is a former Allstate insurance agency owner in Colorado, in the Aurora and Denver area She confirms the skyrocketing insurance rates are because of illegal uninsured drivers getting into accidents “She would have people that would get hit by illegals that didn't have insurance, and then her own insurance company is having to pay out their own clients that were hit by illegals — Which is crazy. Think about that. Your company that represents you, is having to pay you because the illegals don't have insurance” This isn’t just Colorado. This is happening everywhere. When you see your insurance rates keep going up, even without accidents, this is a major reason

Another ‘conspiracy theory’ proven true Danielle Lammon is a former Allstate insurance agency owner in Colorado, in the Aurora and Denver area She confirms the skyrocketing insurance rates are because of illegal uninsured drivers getting into accidents “She would have people that would get hit by illegals that didn't have insurance, and then her own insurance company is having to pay out their own clients that were hit by illegals — Which is crazy. Think about that. Your company that represents you, is having to pay you because the illegals don't have insurance” This isn’t just Colorado. This is happening everywhere. When you see your insurance rates keep going up, even without accidents, this is a major reason

Wall Street Apes

437,141 views • 2 months ago

Sharing the Wall Family story, or, should I say “nightmare” with State Farm Insurance. State Farm Why do we pay insurance only to have these insurance companies like State Farm abuse us when we file a claim? We need more oversight on what is going on with these insurance companies, their rates and their failure to fulfill their obligation to take care of their customers. Shame on you State Farm and shame on you insurance companies for taking everyone’s money but then fighting them tooth and nail when it comes time for them to file a claim.

Sharing the Wall Family story, or, should I say “nightmare” with State Farm Insurance. State Farm Why do we pay insurance only to have these insurance companies like State Farm abuse us when we file a claim? We need more oversight on what is going on with these insurance companies, their rates and their failure to fulfill their obligation to take care of their customers. Shame on you State Farm and shame on you insurance companies for taking everyone’s money but then fighting them tooth and nail when it comes time for them to file a claim.

👉M-Û-R-Č-H👈

26,710 views • 1 year ago

Talking about the possibility of oil offshore Jamaica, development economist Dr. Chris Stokes reminds us that some of the most corrupt, mismanaged, and poorest countries in the world have oil. 1/2

Talking about the possibility of oil offshore Jamaica, development economist Dr. Chris Stokes reminds us that some of the most corrupt, mismanaged, and poorest countries in the world have oil. 1/2

CVM Television

16,004 views • 3 months ago

If you have weaknesses, if you have requests, if you have needs, if you have things that you value that are maybe weirdly out of proportion to most people, just talking about that stuff early in a relationship sets the stage for success.

If you have weaknesses, if you have requests, if you have needs, if you have things that you value that are maybe weirdly out of proportion to most people, just talking about that stuff early in a relationship sets the stage for success.

Tim Ferriss

41,365 views • 7 months ago

ULIP sales have gone up quite a bit over the last year. I'm guessing most ULIPs are sold by banks because of the high commissions on these products. While ULIPs promise the best of both worlds, that is, both investments and insurance, the reality is that they offer the worst of both worlds. They have high commissions, and most importantly, the insurance cover you get is not enough. You are better off separating insurance and investments by investing in direct mutual funds and buying a term insurance policy. This is much cheaper as well. If someone ever pitches you an ULIP, this Zero1 video explains why it is a bad idea. By the way, many people don't even realize they have a ULIP or some other terrible insurance product. If you want some help, you can try booking a free call with Ditto Insurance

ULIP sales have gone up quite a bit over the last year. I'm guessing most ULIPs are sold by banks because of the high commissions on these products. While ULIPs promise the best of both worlds, that is, both investments and insurance, the reality is that they offer the worst of both worlds. They have high commissions, and most importantly, the insurance cover you get is not enough. You are better off separating insurance and investments by investing in direct mutual funds and buying a term insurance policy. This is much cheaper as well. If someone ever pitches you an ULIP, this Zero1 video explains why it is a bad idea. By the way, many people don't even realize they have a ULIP or some other terrible insurance product. If you want some help, you can try booking a free call with Ditto Insurance

Nithin Kamath

193,212 views • 1 year ago

Oz: But of the people who signed up for Obamacare, 40% never used the insurance. You have health insurance. Do you use it? Democrats are arguing that any people who leave Obamacare is only happening because of the premium subsidies…. The reality is we have a lot of fake people on the policies

Oz: But of the people who signed up for Obamacare, 40% never used the insurance. You have health insurance. Do you use it? Democrats are arguing that any people who leave Obamacare is only happening because of the premium subsidies…. The reality is we have a lot of fake people on the policies

Acyn

460,654 views • 16 days ago

The California housing crash has started. Values have plummeted over 50% as people face the idea of rebuilding without insurance. If you have a mortgage that's now worth 1/2 of what you paid for it... what do you do? Florida home prices fell by 75-90% in 1926. HT Abigail Doolittle

The California housing crash has started. Values have plummeted over 50% as people face the idea of rebuilding without insurance. If you have a mortgage that's now worth 1/2 of what you paid for it... what do you do? Florida home prices fell by 75-90% in 1926. HT Abigail Doolittle

Financelot

192,288 views • 1 year ago

American surgeon exposes US Health Insurance companies latest scam - Doctors submit codes to determine eligibility for care - Health Insurance companies are now saying codes don’t need prior authorizations, but they won’t tell you if it’s covered until AFTER the procedure “What happens is you have codes that you submit to insurance company. These are called CPT codes. You submit to insurance company that says these are the procedures I want to do — Some got approved, some of them. Basically I'm reading to you what this says. It says, this code does not require a pre auth and predetermination is not available for these codes from this payer. Let me interpret that for you. Basically, insurance is saying, you can do this procedure but we may not cover it.” “This is what health care right now is looking like. This is what doctors, surgeons are going through”

American surgeon exposes US Health Insurance companies latest scam - Doctors submit codes to determine eligibility for care - Health Insurance companies are now saying codes don’t need prior authorizations, but they won’t tell you if it’s covered until AFTER the procedure “What happens is you have codes that you submit to insurance company. These are called CPT codes. You submit to insurance company that says these are the procedures I want to do — Some got approved, some of them. Basically I'm reading to you what this says. It says, this code does not require a pre auth and predetermination is not available for these codes from this payer. Let me interpret that for you. Basically, insurance is saying, you can do this procedure but we may not cover it.” “This is what health care right now is looking like. This is what doctors, surgeons are going through”

Wall Street Apes

88,892 views • 11 months ago

Andrew Neil skewers Steve Witkoff & Tucker Carlson: "It's what happens when you have 2 idiots beside a microphone & neither of them know what they're talking about... they repeated Kremlin talking points... these are 2 Kremlin lovers..."

Andrew Neil skewers Steve Witkoff & Tucker Carlson: "It's what happens when you have 2 idiots beside a microphone & neither of them know what they're talking about... they repeated Kremlin talking points... these are 2 Kremlin lovers..."

Haggis_UK 🇬🇧 🇪🇺

83,923 views • 1 year ago

American is outraged that she has to spend $6,000 on healthcare costs for her deductible before her insurance pays anything, despite paying every month for full health insurance This is a scam “I'm sorry. What's the point of health insurance if you have to pay full price until you meet a deductible? My deductible is $6,000. I have to spend $6,000 in medical expenses before everything is taken care of. And there's no co pays, but yet I pay for that insurance. I pay $350 a month for that insurance” “What? I'm sorry. Make that make sense. That makes absolutely no sense in my head. I have to pay full price for all medical expenses, which every year I'm not going to spend. $6,000.”

American is outraged that she has to spend $6,000 on healthcare costs for her deductible before her insurance pays anything, despite paying every month for full health insurance This is a scam “I'm sorry. What's the point of health insurance if you have to pay full price until you meet a deductible? My deductible is $6,000. I have to spend $6,000 in medical expenses before everything is taken care of. And there's no co pays, but yet I pay for that insurance. I pay $350 a month for that insurance” “What? I'm sorry. Make that make sense. That makes absolutely no sense in my head. I have to pay full price for all medical expenses, which every year I'm not going to spend. $6,000.”

Wall Street Apes

1,964,359 views • 1 year ago

INGRAHAM: Sorry to interrupt. But what now? They're launching projectiles still at ships, we have a messed up insurance market. If you have crews on these ships afraid for their lives, how do you break this logjam? CHRIS WRIGHT: The most important thing right now is the US military degrading their ability to project power. It'll take some time to do that.

INGRAHAM: Sorry to interrupt. But what now? They're launching projectiles still at ships, we have a messed up insurance market. If you have crews on these ships afraid for their lives, how do you break this logjam? CHRIS WRIGHT: The most important thing right now is the US military degrading their ability to project power. It'll take some time to do that.

Aaron Rupar

117,838 views • 4 months ago

What happens when you don’t have health insurance when you most need it? You feel helpless. I’ve been there. Our first daughter was born with a serious heart defect, and I couldn’t afford health insurance. We sat in a hospital’s charity ward. I prayed to God the doctor would be able to save my baby’s life. She survived. But I’ve never felt more helpless in my life than at that moment. My little girl came into this world, and we were so blessed to have her. But her father couldn’t provide her health insurance. I’ve *never* forgotten this when health care is up for debate. ALL of us want good health insurance. The thought of cutting health care to give the wealthiest people a tax break is insensible, unthoughtful, and inhumane.

What happens when you don’t have health insurance when you most need it? You feel helpless. I’ve been there. Our first daughter was born with a serious heart defect, and I couldn’t afford health insurance. We sat in a hospital’s charity ward. I prayed to God the doctor would be able to save my baby’s life. She survived. But I’ve never felt more helpless in my life than at that moment. My little girl came into this world, and we were so blessed to have her. But her father couldn’t provide her health insurance. I’ve never forgotten this when health care is up for debate. ALL of us want good health insurance. The thought of cutting health care to give the wealthiest people a tax break is insensible, unthoughtful, and inhumane.

Senator Dick Durbin

88,752 views • 1 year ago

Video 1: Rufai Oseni common sense should have told you that "You should have kept quiet" when Dr Reuben Abati said "You're on your own and it's too libellous" but of course you don't have that "common sense" at all. Video 2: Making a disclaimer showed that you knew exactly what you wanted to pass across.

Video 1: Rufai Oseni common sense should have told you that "You should have kept quiet" when Dr Reuben Abati said "You're on your own and it's too libellous" but of course you don't have that "common sense" at all. Video 2: Making a disclaimer showed that you knew exactly what you wanted to pass across.

Senior Pastor Okezie James Atañi

217,869 views • 2 years ago

Qullamaggie on You Only Need to Trade 20-30% of the Year “That’s what happens in good markets. You get these insane moves. You know, you literally can trade like 20-30% of a year—you just trade during periods when the markets are trending higher. Stocks are making moves like this. This is like the best job ever. You can take vacation most of the time. I mean, you can’t really completely tune out markets. You always have to follow the markets, but you don’t have to do stuff every day. That’s why I think many people get confused by this business; they feel like they have to do things all the time.”

Qullamaggie on You Only Need to Trade 20-30% of the Year “That’s what happens in good markets. You get these insane moves. You know, you literally can trade like 20-30% of a year—you just trade during periods when the markets are trending higher. Stocks are making moves like this. This is like the best job ever. You can take vacation most of the time. I mean, you can’t really completely tune out markets. You always have to follow the markets, but you don’t have to do stuff every day. That’s why I think many people get confused by this business; they feel like they have to do things all the time.”

Lone

16,622 views • 5 months ago

State farm adjuster confronted on his refusal to approve claim. It's not often that most folks get to see what is going on behind the scenes, but this happens more than you know. You have a professional roofer that is telling the adjuster that this can't be repaired, but because they do not want to pay out on the claim the adjuster is giving a bs excuse claiming it's repairable. This happens with all insurance claims. These companies are not your friends.

State farm adjuster confronted on his refusal to approve claim. It's not often that most folks get to see what is going on behind the scenes, but this happens more than you know. You have a professional roofer that is telling the adjuster that this can't be repaired, but because they do not want to pay out on the claim the adjuster is giving a bs excuse claiming it's repairable. This happens with all insurance claims. These companies are not your friends.

Chuckling Charlie

318,606 views • 2 months ago

American is a healthy 28 year old, he decided to skip paying for health insurance this year because the cheapest plan was $900 per month with a high deductible He had to spend 2 nights in the ER without insurance, he breaks down the bill “This is my receipt from spending 2 days in the hospital: - It totaled about $24,000 - My CT scan alone was $8,300 - Laboratory, 6,000 - IV therapy, $1,020, $4,000 in total And while $24,000 seems like a lot of money, let me show you something. This is what I'm actually paying, $2,478 because when you don't have insurance, these hospitals give you a discount. They discounted $22,000 off of this bill” “But if I had insurance, I wouldn't have gotten that discount. So it would've been a $24,000 bill billed to my insurance, and then my insurance would've said, ‘Hey, you have a $5,000 deductible. You need to pay $5,000 for this last emergency room visit.’ Then you tack on the $900 a month that I'd be paying for that insurance. I'd be paying $20K this year for healthcare. So the craziest part about this is even if I have another hospital visit, by the end of this year, I'm still gonna be paying less than I would if I had insurance. At minimum, my cost for healthcare this year would've been $20,000 with insurance. Right now I'm at $2,400.” US Health Insurance is a scam

American is a healthy 28 year old, he decided to skip paying for health insurance this year because the cheapest plan was $900 per month with a high deductible He had to spend 2 nights in the ER without insurance, he breaks down the bill “This is my receipt from spending 2 days in the hospital: - It totaled about $24,000 - My CT scan alone was $8,300 - Laboratory, 6,000 - IV therapy, $1,020, $4,000 in total And while $24,000 seems like a lot of money, let me show you something. This is what I'm actually paying, $2,478 because when you don't have insurance, these hospitals give you a discount. They discounted $22,000 off of this bill” “But if I had insurance, I wouldn't have gotten that discount. So it would've been a $24,000 bill billed to my insurance, and then my insurance would've said, ‘Hey, you have a $5,000 deductible. You need to pay $5,000 for this last emergency room visit.’ Then you tack on the $900 a month that I'd be paying for that insurance. I'd be paying $20K this year for healthcare. So the craziest part about this is even if I have another hospital visit, by the end of this year, I'm still gonna be paying less than I would if I had insurance. At minimum, my cost for healthcare this year would've been $20,000 with insurance. Right now I'm at $2,400.” US Health Insurance is a scam

Wall Street Apes

5,463,121 views • 3 months ago