My state (PA) now only has a producer license. However, regarding personal lines, our agency does not enter into written or oral contracts with the consumer to represent said consumer only. We have written AGENCY contracts with our personal lines carriers. These contracts state very clearly that we are acting as an agent for the company.
A fellow Pennsylvania….As I said I agree with you. Our agency has both agency contracts agent and \”Broker\” contracts. Some of our contracts that say broker right on the contract pay commission from the company we do not charge a fee. My point is that the agent/Broker associations need to chalenge these laws in the courts. If we feel we are like any other sales operation then take it to court becuase if we leave it to making deals with the state commssioners say good bye to everything but straight commission and we will live with showing every client all our income. I never thought I\’d say it but the courts are the way to fight this. Then again that\’s what they\’re for.
On another point, straight commission will be better than commission & PS. Companies will be forced to pay the PS expense to us in the form of guaranteed commission if they want to remain in the personal lines side.
I\’m always shocked at some of the stupidity that exists. I\’m referring to the Demo that copied your name at posting time of 2:51. Proof of your statement \”Demos Against Capitalism\” is in clear display. Unfortunately most Demos never heard of Adam Smith and have no basic understanding of economics.
Tony what specific comment was so \”stupid?\” Everything I said is accurate. So I guess you are stupid then right?
ALso, I thought the discussion revolved around human nature as much as economics.
Let me ask you a question, if \”society\” was 100 people living on a deserted Island, would we decide on Capitalism or Socialism. Also, do you believe in evolution? Can human nature evolve? Are there any other things in society that motivate people besides money? What football player do you like the most, the one who is motivated by money, or the one who is motivated to work hard for the team out of a sense of pride and loyalty? In fact that pride and loyalty might even stem from an intelligent rational understanding of how a team must operate.
Also, why is it true that most intellectuals are either Democrats, Greens, or Independents?
Something to think about Republicans – Why do you think you all got voted out of office? The Republican party will cease to exist in the near future if it only panders to spacial interests, the corporations, and only consists of rich white men named \”fat tony\”.
Why copy someone else\’s name in such a simple forum? Does you pea brain and shallow gene pool limit your ability to interact normally?
Sounds like you\’re happy and smug stewing in your own rancid juices like most loser types but please check your facts in the future ,for your own self respect. Maybe you can get some one day.
What facts are you referring to? Be specific and bring it. Everything I said is factually acurate. What dont you understand?
Support for the free market as an ordering principle of society is above all associated with liberalism, especially during the 19th century. (In Europe, the term \’liberalism\’ retains its connotation as the ideology of the free market, but in American usage it came to be associated with government intervention, and acquired a pejorative meaning for supporters of the free market.) Later ideological developments, such as minarchism and libertarianism also support the free market, and insist on its pure form. Although the Western world shares a generally similar form of economy, usage in the United States is to refer to this as capitalism, while in Europe \’free market\’ is the preferred neutral term.Marxism, communism, and socialism are usually seen as the main ideological opponents of the free market. Modern liberalism (American usage), and in Europe social democracy, seek only to mitigate what they see as the problems of an unrestrained free market, and accept its existence as such. To most libertarians, there is simply no free market yet, given the degree of state intervention in even the most \’capitalist\’ of countries. From their perspective, those who say they favor a \”free market\” are speaking in a relative, rather than an absolute, sense — meaning (in libertarian terms) they wish that coercion be kept to the minimum that is necessary to maximize economic freedom (such necessary coercion would be taxation, for example) and to maximize market efficiency by lowering trade barriers, making the tax system neutral in its influence on important decisions such as how to raise capital, e.g., eliminating the double tax on dividends so that equity financing is not at a disadvantage vis\’a\’vis debt financing. However, there are some such as anarcho-capitalists who would not even allow for taxation and governments, instead preferring protectors of economic freedom in the form of private contractors.The ethical justification of free markets takes two forms. One appeals to the intrinsic moral superiority of autonomy and freedom (in the market), see deontology. The other is a form of consequentialism – a belief that decentralised planning by a multitude of individuals making free economic decisions produces better results in regard to a more organized, efficient, and productive economy, than does a centrally-planned economy where a central agency decides what is produced, and allocates goods by non-price mechanisms. An older version of this argument is the metaphor of the Invisible Hand, familiar from the work of Adam Smith, although it is older. In Smith\’s time there were no centrally planned economies to serve as a comparison to the extent they existed in the 20th century, he was simply arguing that the market benefits the common good. Modern theories of self-organization say the internal organization of a system can increase automatically without being guided or managed by an outside source. When applied to the market, as an ethical justification, these theories appeal to its intrinsic value as a self-organising entity. Other philosophies such as some forms of Individualist anarchism and Mutualism (economic theory) anarchism believe that a truly \”free market\” would result in prices paid for goods and services to align with the labor embodied in those things.
I hate to bust your bubble but it is not true most intellectuals are Democrats, Greens or Independents. The following is a fact that can be backed by proof: Most Democrats have a high school education while most Republicans college. Regarding special interests your Democrat Party is controlled by: Unions, Trial Lawyers, Gays, Feminists, Enviromentalists, PETA, and I could continue. I suggest you do some serious reading before making more of a fool of yourself.
I have read your plagiarized commentary. Please learn from it. Hopefully you will come to the realization that, to date, the free market has outperformed all centralized planned economies.
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My state (PA) now only has a producer license. However, regarding personal lines, our agency does not enter into written or oral contracts with the consumer to represent said consumer only. We have written AGENCY contracts with our personal lines carriers. These contracts state very clearly that we are acting as an agent for the company.
A fellow Pennsylvania….As I said I agree with you. Our agency has both agency contracts agent and \”Broker\” contracts. Some of our contracts that say broker right on the contract pay commission from the company we do not charge a fee. My point is that the agent/Broker associations need to chalenge these laws in the courts. If we feel we are like any other sales operation then take it to court becuase if we leave it to making deals with the state commssioners say good bye to everything but straight commission and we will live with showing every client all our income. I never thought I\’d say it but the courts are the way to fight this. Then again that\’s what they\’re for.
I agree.
On another point, straight commission will be better than commission & PS. Companies will be forced to pay the PS expense to us in the form of guaranteed commission if they want to remain in the personal lines side.
I\’m always shocked at some of the stupidity that exists. I\’m referring to the Demo that copied your name at posting time of 2:51. Proof of your statement \”Demos Against Capitalism\” is in clear display. Unfortunately most Demos never heard of Adam Smith and have no basic understanding of economics.
Tony what specific comment was so \”stupid?\” Everything I said is accurate. So I guess you are stupid then right?
ALso, I thought the discussion revolved around human nature as much as economics.
Let me ask you a question, if \”society\” was 100 people living on a deserted Island, would we decide on Capitalism or Socialism. Also, do you believe in evolution? Can human nature evolve? Are there any other things in society that motivate people besides money? What football player do you like the most, the one who is motivated by money, or the one who is motivated to work hard for the team out of a sense of pride and loyalty? In fact that pride and loyalty might even stem from an intelligent rational understanding of how a team must operate.
Also, why is it true that most intellectuals are either Democrats, Greens, or Independents?
Something to think about Republicans – Why do you think you all got voted out of office? The Republican party will cease to exist in the near future if it only panders to spacial interests, the corporations, and only consists of rich white men named \”fat tony\”.
Oh my god, did you hear about this?
http://axiomsun.com/home/video/leaked_fox_memo_shows_how_they_slant_the_news.html
Why copy someone else\’s name in such a simple forum? Does you pea brain and shallow gene pool limit your ability to interact normally?
Sounds like you\’re happy and smug stewing in your own rancid juices like most loser types but please check your facts in the future ,for your own self respect. Maybe you can get some one day.
What facts are you referring to? Be specific and bring it. Everything I said is factually acurate. What dont you understand?
Support for the free market as an ordering principle of society is above all associated with liberalism, especially during the 19th century. (In Europe, the term \’liberalism\’ retains its connotation as the ideology of the free market, but in American usage it came to be associated with government intervention, and acquired a pejorative meaning for supporters of the free market.) Later ideological developments, such as minarchism and libertarianism also support the free market, and insist on its pure form. Although the Western world shares a generally similar form of economy, usage in the United States is to refer to this as capitalism, while in Europe \’free market\’ is the preferred neutral term.Marxism, communism, and socialism are usually seen as the main ideological opponents of the free market. Modern liberalism (American usage), and in Europe social democracy, seek only to mitigate what they see as the problems of an unrestrained free market, and accept its existence as such. To most libertarians, there is simply no free market yet, given the degree of state intervention in even the most \’capitalist\’ of countries. From their perspective, those who say they favor a \”free market\” are speaking in a relative, rather than an absolute, sense — meaning (in libertarian terms) they wish that coercion be kept to the minimum that is necessary to maximize economic freedom (such necessary coercion would be taxation, for example) and to maximize market efficiency by lowering trade barriers, making the tax system neutral in its influence on important decisions such as how to raise capital, e.g., eliminating the double tax on dividends so that equity financing is not at a disadvantage vis\’a\’vis debt financing. However, there are some such as anarcho-capitalists who would not even allow for taxation and governments, instead preferring protectors of economic freedom in the form of private contractors.The ethical justification of free markets takes two forms. One appeals to the intrinsic moral superiority of autonomy and freedom (in the market), see deontology. The other is a form of consequentialism – a belief that decentralised planning by a multitude of individuals making free economic decisions produces better results in regard to a more organized, efficient, and productive economy, than does a centrally-planned economy where a central agency decides what is produced, and allocates goods by non-price mechanisms. An older version of this argument is the metaphor of the Invisible Hand, familiar from the work of Adam Smith, although it is older. In Smith\’s time there were no centrally planned economies to serve as a comparison to the extent they existed in the 20th century, he was simply arguing that the market benefits the common good. Modern theories of self-organization say the internal organization of a system can increase automatically without being guided or managed by an outside source. When applied to the market, as an ethical justification, these theories appeal to its intrinsic value as a self-organising entity. Other philosophies such as some forms of Individualist anarchism and Mutualism (economic theory) anarchism believe that a truly \”free market\” would result in prices paid for goods and services to align with the labor embodied in those things.
I hate to bust your bubble but it is not true most intellectuals are Democrats, Greens or Independents. The following is a fact that can be backed by proof: Most Democrats have a high school education while most Republicans college. Regarding special interests your Democrat Party is controlled by: Unions, Trial Lawyers, Gays, Feminists, Enviromentalists, PETA, and I could continue. I suggest you do some serious reading before making more of a fool of yourself.
I have read your plagiarized commentary. Please learn from it. Hopefully you will come to the realization that, to date, the free market has outperformed all centralized planned economies.
Try to enjoy life, you\’ll live longer.