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Thread: Disability and Life insurance - have you been denied for pre-existing conditions?

mimmo19

Joined: 1/2/2006

Msg: 2 (view)

Disability and Life insurance - have you been denied for pre-existing conditions? Posted: 5/9/2009 10:18:22 AM
It happens every day............percentage of denials are a lot higher than people realize.

mimmo19

Joined: 1/2/2006

Msg: 9 (view)

POF Golf Day July 20,2008 11:00 Am Dorchester on the Thames Posted: 6/15/2008 7:51:46 AM
I'm assuming we can get an 18 hole rate if we tee off early enough? Are we doing Best Ball, Sacramble?

mimmo19

Joined: 1/2/2006

Msg: 8 (view)

Stock Market Panic Posted: 1/23/2008 6:44:44 AM
Gotta love the media, biggest 1 day point increase in history, The Star gives it 1/4 page mention in the Business Section. We're in for another volatile day, but I do agree with the confidence expressed on this thread.

mimmo19

Joined: 1/2/2006

Msg: 4 (view)

Stock Market Panic Posted: 1/22/2008 12:14:50 PM
As it is very near and dear to me, I was watching an arguement on CNBC. One of their experts was taunting an economist regarding making an admission to the looming recession. The economist was adamant that the US is not in a recession at this time and that the economy is actually much healthier than most "expert media" personalities would have you believe. At least the US Fed acted quickly and lowered their Rate by 3/4% and it seems that markets on both sides reacted positively. It will be interesting as to how the media spins the 1 day record increase on the TSX, as yesterdays 10th worst drop garnered front page on every publication.

mimmo19

Joined: 1/2/2006

Msg: 12 (view)

Any POF Ski Events This Winter? Posted: 1/7/2008 10:05:26 AM
Sounds like a great idea, count me in.

mimmo19

Joined: 1/2/2006

Msg: 13 (view)

Would you put all your money in a mutual fund? Posted: 7/23/2007 8:12:50 PM
Speaking from a biased point of view, I agree with most and not with others, find yourself a financial planner, broker/investment advisor. Any planner worth their salt would never advise a single investment strategy, they would implement an individual plan addressing the your goals and most importantly your tolerance to risk. And yes, we get paid on the product we sell, but we also are remunerated on the clients we keep. It's easier and more efficient to retain a client and get referrals, rather than continually going out for new business.. A good planner will look after your interests (it is our fiduciary duty) and try their utmost to meet your goals and hold on to you as a client, get easy referrals and network from there. Self directed investing is OK for some but has proven over the long run to be akin to assuming the role of a pro, ie....doing your own will, closing your own real estate transaction, pulling your own teeth. I have yet to see a do-it-yourself appendicitis book/video/CD, but if someone thought they could profit from it, they would most certainly try. As a group we are educated and licensed by the securities regulators and scrutinized more so than most may believe. We are obliged to continue our education to better serve our clients and most of us strive to be the best we can. The better we do for our clients, the better we do for ourselves. If I can double a clients money in 8 years, I double my residual income on that client and can assure you they will refer me some business. Hopefully you will find an advisor that will do right by you.

mimmo19

Joined: 1/2/2006

Msg: 8 (view)

Is there a Financial Advisor in the House? Smith Manouevre for Home Ownership. Posted: 3/18/2007 8:03:00 AM
I've been approached by clients regarding this "Smith Manouevre", but have yet to initiate it with any of them. We tend to do variations of it. The deductablity of your interest payments on your mortgage is a long and slow process but it will work with a long term plan. The coles notes version is as follows: Mortgage is now a credit line, ie., 200,000 As you make your mortgage payments your loan remains at 200K but the principal applied against your home on a monthly basis now gets flipped into an investment loan. Scenario: 200,000 Credit line at Prime 6% over 25 years payments $1,279.62 1st payment 987.72 interest, 291.90 principal, you now buy the equal amount of 291.90 in investments. Now your 200,000 loan is 199,708.10 home mortgage , 291.90 investment loan 2nd payment 986.28 interest, 293.34 principal, you now buy the equal amount of 293.34 in investments. Now your 200,000 loan is 199,414.76 home mortgage , 585.24 investment loan This scenario is applied to every payment. The interest deductability applies to the investment loan amount and will eventually surpass that of the home portion of your payments. Feel free to email me if you would like further clarification.

mimmo19

Joined: 1/2/2006

Msg: 5 (view)

POF GTA Golf Tournament, June 19th, 2007??? Posted: 3/14/2007 9:21:37 AM
Hopefully we'll have more interest now that the snow is quickly melting. Once more people express their intent to attend, I will get this thread moved to the event section.

mimmo19

Joined: 1/2/2006

Msg: 3 (view)

POF GTA Golf Tournament, June 19th, 2007??? Posted: 3/9/2007 5:55:18 AM
If we have enough interest, we can do this with golf, cart and breakfast or lunch for $60.00-$100.00. One of the options is Rolling Hillls near Stouffville Rd and Warden, minutes off the 404. The date is flexible. Any takers and/or suggestions?

mimmo19

Joined: 1/2/2006

Msg: 1 (view)

POF GTA Golf Tournament, June 19th, 2007??? Posted: 3/7/2007 10:47:49 AM
We tried this last year and due to restrictions, never got it going. I was considering a central/north course for access by all. Hoping for a renewed interest in what could be a great meet and greet. We need to see how many are willing to sign up in order to secure a location and get pricing.

mimmo19

Joined: 1/2/2006

Msg: 19 (view)

*******INDOOR GOLF DAY, DECEMBER 9th******* Posted: 12/11/2006 8:04:10 AM
Thanks for a great day and some helpful tips.

mimmo19

Joined: 1/2/2006

Msg: 19 (view)

Best things to invest in. Posted: 12/5/2006 8:26:59 AM
There is no single all encompassing answer. You should find a trusted advisor and work with them to achieve your personal goals, ie. retirement, major purchase, education. Talk to people you know and try to get a referal, be it a bank rep, broker, financial planner. There must be someone local, a firm or individual you can go to for advice. Interview a few of them and make a decision from there.

mimmo19

Joined: 1/2/2006

Msg: 79 (view)

I SURVIVED THE POF GUINNESS WORLD RECORD BASH !!!!! Posted: 7/23/2006 8:19:32 PM
Thanks and congratulations Kris, Seems like a great time was had by all those who stuck it out. It was wonderful meeting everyone, and I look forward to the next event. Regards, Domenic

mimmo19

Joined: 1/2/2006

Msg: 30 (view)

Mosquitos...HELP! Posted: 5/31/2006 7:54:11 PM
Found out about my allergy a long time ago. If I venture out, a bottle or 2 of deet, a box of benadryl, an epi pen and a Claritin in my system.

mimmo19

Joined: 1/2/2006

Msg: 95 (view)

AUTO GRILL: Toronto May 2,2006 DOWNTOWN ECLECTIC GROOVE MARTINI MINGLE Posted: 5/5/2006 7:50:47 PM
Once again, thanks to a gracious host, Gribsby. SexyBlue, Cammydoll, TML, MissCheviousOne, Britboy, and any I may have left out, a pleasure meeting and chatting. Here's hoping to meeting you all again and more POF's next time. Looking forward to another in August. Mimmo19

mimmo19

Joined: 1/2/2006

Msg: 87 (view)

AUTO GRILL: Toronto May 2,2006 DOWNTOWN ECLECTIC GROOVE MARTINI MINGLE Posted: 5/3/2006 6:44:03 AM
Thanks Gribsby: It was a great mix and mingle and I can only see it getting better for the next event. I'll post later, gotta get to work. Ciao Mimmo19

mimmo19

Joined: 1/2/2006

Msg: 113 (view)

RAXX party April 1st.....need a ride or share a room? Posted: 4/1/2006 5:27:01 AM
leanne, It is a continuation of Hurontario/10, the bar is about 10 min north from 407, 15 min from 401.

mimmo19

Joined: 1/2/2006

Msg: 40 (view)

AUTO GRILL: Toronto May 2,2006 DOWNTOWN ECLECTIC GROOVE MARTINI MINGLE Posted: 3/30/2006 2:26:03 PM
Maybe time to move the thread over to the Ontario Party section?

mimmo19

Joined: 1/2/2006

Msg: 126 (view)

Abuse: Please read and sign Posted: 3/27/2006 11:41:48 AM
I will treat others as I wish to be treated. I agree to think before I post. I will not attack anyone. I will not bully anyone. I will not degrade anyone. I will not threaten anyone. I will not post topics that violate POF's code of conduct. I will not message someone just to insult them and put them down. Although my opinions may differ from someone elses, I will not attack them just because they have an opposing point of view. If I have a private matter that needs to be dealt with, I will deal with it privately.

mimmo19

Joined: 1/2/2006

Msg: 53 (view)

Smokers!!!! Posted: 3/26/2006 7:00:38 AM
Just a note regarding the "financial burden" of us smokers: "Meanwhile, the claim that smokers are a drain on the health care system has been debunked by Health Canada’s own research, said Ms. Daigneault, noting that a 1997 Health Canada, which looked at 1991 when smoking rates were higher, found smokers paid $5.4 billion a year more into the health care system than they took out." I am a smoker and do not condone the habit, but I am tired of Myths that are consistently propagated by the anti smoking side.

mimmo19

Joined: 1/2/2006

Msg: 275 (view)

100 best movie quotes Posted: 3/21/2006 3:48:28 PM
"Life moves pretty fast, if you don't stop and look around once in awhile you might just miss it." Ferris Bueller's Day Off?

mimmo19

Joined: 1/2/2006

Msg: 270 (view)

100 best movie quotes Posted: 3/21/2006 3:38:50 PM
From my favourite movie: "Second prize is a set of steak knives. Third prize is you're fired."

mimmo19

Joined: 1/2/2006

Msg: 1439 (view)

~~ St. Patty's Day POF Party ~~ Friday, March 17th ~~ Toronto~~ Posted: 3/17/2006 4:35:36 PM
Closed till May. 400 is the best access.

mimmo19

Joined: 1/2/2006

Msg: 1359 (view)

~~ St. Patty's Day POF Party ~~ Friday, March 17th ~~ Hwy 7 and 400~~ Posted: 3/17/2006 6:17:49 AM
It seems with over 1300 posts it already has started on line. I was just wondering for those of us that aren't doing the dinner thing.

mimmo19

Joined: 1/2/2006

Msg: 1357 (view)

~~ St. Patty's Day POF Party ~~ Friday, March 17th ~~ Hwy 7 and 400~~ Posted: 3/17/2006 6:14:11 AM
Is the party starting at 10:00?

mimmo19

Joined: 1/2/2006

Msg: 3 (view)

Sopranos Season 6 Posted: 3/15/2006 3:01:42 PM
Likely exits during the season: Phil Vito ??Christopher? It was a great show, too bad we had to wait this long. Mimmo

mimmo19

Joined: 1/2/2006

Msg: 21 (view)

AUTO GRILL: Toronto May 2,2006 DOWNTOWN ECLECTIC GROOVE MARTINI MINGLE Posted: 3/15/2006 12:24:08 PM
Sounds like an interesting night out in TO. Count me in for co-cktails for now. Mimmo

mimmo19

Joined: 1/2/2006

Msg: 39 (view)

Golf Tournament, GTA?? Posted: 3/6/2006 10:53:11 AM
Forum_moderator: I understand and expect to find a willing golf course in the GTA once we have a better indication of the number of participants and the date, at which time they can book their green fees and or tournament package directly with the chosen venue. I hope this falls within the guidelines. Mimmo19

mimmo19

Joined: 1/2/2006

Msg: 33 (view)

Golf Tournament, GTA?? Posted: 3/5/2006 5:11:14 AM
Looks like 2 1/2 foursomes so far. Hope we can get the numbers up.

mimmo19

Joined: 1/2/2006

Msg: 22 (view)

Golf Tournament, GTA?? Posted: 3/2/2006 7:37:26 AM
Best Ball is beginning to sound like the way to go, that way all should be able to contribute. We should try and even out the teams based on handicap, official or percieved( I finished the season at a 12) Once we pick a date and place we can request to move this thread over to the Party side.

mimmo19

Joined: 1/2/2006

Msg: 15 (view)

Golf Tournament, GTA?? Posted: 3/2/2006 6:13:58 AM
scorpitarious, June sounds good and the mixed foursomes would be more conducive to the meet and greet idea of a POF gathering. As for other ideas, I can’t contact you due to your mail restrictions on age(I’m getting old). Any input is welcome, and the more the merrier. Mimmo19

mimmo19

Joined: 1/2/2006

Msg: 13 (view)

Golf Tournament, GTA?? Posted: 2/28/2006 3:30:13 PM
creter, I can see it, but the beer can is clearer. lol

mimmo19

Joined: 1/2/2006

Msg: 12 (view)

Golf Tournament, GTA?? Posted: 2/28/2006 3:28:25 PM
OK guys and hopefully ladies in future, let's try and get a reasonable head count in the next couple of weeks and narrow down a June or July weekend, pick a course and start swinging. How's about some ideas on making it more interesting, ie. Low Gross, Low Net, Longest Drives, Closest to the Pin, maybe a Stableford Scoring System, Best Ball?? Maybe some Big Break like skills challenges? Wouldn't you just love to break that GLASS.

mimmo19

Joined: 1/2/2006

Msg: 7 (view)

Golf Tournament, GTA?? Posted: 2/28/2006 11:22:46 AM
Thanks for the heads up and sorry for the indiscretion. We'll just make it a fun, meet and greet, friendly event.

mimmo19

Joined: 1/2/2006

Msg: 25 (view)

London: Investing Group Posted: 2/28/2006 10:56:00 AM
I agree about investment firms. With tomorrow's deadline looming, it's a sad truth that 1,000s of Canadians will line up at their bank and ask a teller with a registration to help them with their financial future.

mimmo19

Joined: 1/2/2006

Msg: 23 (view)

London: Investing Group Posted: 2/28/2006 9:53:15 AM
I agree to an extent, a person should get advice as to what suits them.

mimmo19

Joined: 1/2/2006

Msg: 21 (view)

London: Investing Group Posted: 2/28/2006 8:29:34 AM
Anheuser-Busch Companies Inc. (BUD) would make for a good recession proof investment.

mimmo19

Joined: 1/2/2006

Msg: 4 (view)

Golf Tournament, GTA?? Posted: 2/28/2006 8:21:45 AM
With the golf season going through November and sometimes December, we've got alot of choices. Once again, interest and responses will help determine the who, where, what and when.

mimmo19

Joined: 1/2/2006

Msg: 19 (view)

London: Investing Group Posted: 2/28/2006 8:13:04 AM
There are too may strategies, too many "ëxperts", magazines, newsletters, investment sites, get rich quick buy my system, for the self directed investor to take in. A good, qualified, trusted, committed, registered investment advisor is always a good start.

mimmo19

Joined: 1/2/2006

Msg: 1 (view)

Golf Tournament, GTA?? Posted: 2/28/2006 7:58:20 AM
Anyone interested in a frienldly POF golf tournament? Could be a great Saturday or Sunday meet and greet for any interested POF'rs. Golfers of all levels welcome. Depending on interest we could try to get some sponsorship to help in a prize fund, possibly involve helping a charity. Lots of possibilities.

mimmo19

Joined: 1/2/2006

Msg: 6 (view)

HELP!!!! Posted: 2/20/2006 1:22:44 PM
You should log all of your attempts, ie., calls, letters, emails and/or faxes and try Ministry of Consumer and Commercial Relations and a cc to the CRTC. Last time I had a problem with Bell, and no quick resolution, I tried it and had a call from one their VP's immediately, they resolved the matter within a week. Hope it helps.

mimmo19

Joined: 1/2/2006

Msg: 36 (view)

You Won 60 seconds!!! Posted: 2/8/2006 8:41:47 AM
Debeers, it was either that or go for gold, but i figured bags of diamonds would be lighter and more valuable. It might even help the popularity quotient.

mimmo19

Joined: 1/2/2006

Msg: 8 (view)

Muddy Moose Party Posted: 1/29/2006 8:57:51 PM
I was hoping to attend and am very sorry I couldn't. By al the posts and forums, it seems to have been a huge success and a great time for all. I'll look forward to the next gathering and hope to meet all these POF'rs.

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