Super Star Financial Advisor...The Guy/Gal at the bank!

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Aug 12, 2009 2:28 pm   Post subject: Super Star Financial Advisor...The Guy/Gal at the bank!  

Yes indeed......Nation....



The Financial Services Modernization Act of 1999...



OP's own website link removed by moderator

...has produced a new breed of "Financial Advisor" with unparalleled incompetence.



The Bank Employee Financial Advisor (BEFA)



Mr. (XXXXX name removed by moderator) at bankrupt Washington Mutual now J.P. Morgan Chase is one such Super Star Incompetent Bank Employee Financial Advisor.



Just look at his business cards... he's a:



#1) Personal Banker;



#2) Licensed Banker;



#3) Licensed Insurance Agent;



#4) Registered Representative AND



#5) Insurance Agent.



Wow!!! He's knows EVERYTHING about the banking industry AND EVERYTHING about the insurance industry AND EVERYTHING about investing in Stocks, Bonds and Mutual Funds!!!!



image removed by moderator

He is also an incompetant buffoon.



When I asked him if he knew what fiat money is he replied with, "No, I don't remember that being on the test."



People do yourselves a favor...DO NOT GET FINANCIAL ADVICE FROM A BANK EMPLOYEE...they are rule of thumb incompetent.



_________________

Gary Spicuzza, *SAFE

Copyright 1956.

No Rights Reserved.

*Self Appointed Financial Expert
GarySpicuzza
Forum Expert
Leave a quick message


Forum Expert

Joined: 03 Apr 2008
Posts: 965

Location: West Pasco County, FL
243.98 Dollars($)

PostPosted: Wed Aug 12, 2009 8:46 pm   Post subject:   

Quote:
He is also an incompetant buffoon.
Gary don't you think posting this guys cards and calling him names, just ''might'' be libelous on your part? And what on earth is your point? Or is it the same old thing? Putting others down so you can maintain your S.A.F.E. ? Rolling Eyes


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Wed Aug 12, 2009 10:43 pm   Post subject:   

Go get em' Gary! Two years ago I went to make a deposit @ WaMu and the teller says I need to speak with my "personnel banker" first. No my dear do my transaction first. Well, some young condescending buck appears behind me and proceeds to sell me all their wonderful investments. "No thanks guy", I reply, "I have my bucks in a IUL." He ends by saying, "you figured out a tax loophole" with a look of disdain on his mug.



I wish I kept his card to post on here. And if the smuck sued me, Lori, I'd counter and prove his incompetence and post the court findings here too.



The deregulation of the banking industry has hurt more people and grown their assets less than the cost of inflation in many cases and they get a 1099 every year...yippee.


_________________
Register Now to have your Insurance queries solved.
Wonderer
Guest







PostPosted: Thu Aug 13, 2009 9:44 am   Post subject:   

Dear Lori,



I Love You!

Quote:
Gary don't you think posting this guys cards and calling him names, just ''might'' be libelous on your part? And what on earth is your point? Or is it the same old thing? Putting others down so you can maintain your S.A.F.E. ?


Hmmmmmmmmm, since I'm no stranger to the court system I would welcome a lawsuit by this smuck and will hold AmPmInsure.org HARMLESS.



I don't put anyone down, I STATE FACTS, that are many times in conflict with what most people "think."



PLEASE read the "linkies" Lori so you will understand what's being said on this thread.



With love and respect....



Best regards,


_________________

Gary Spicuzza, *SAFE

Copyright 1956.

No Rights Reserved.

*Self Appointed Financial Expert
GarySpicuzza
Forum Expert
Leave a quick message


Forum Expert

Joined: 03 Apr 2008
Posts: 965

Location: West Pasco County, FL
243.98 Dollars($)

PostPosted: Thu Aug 13, 2009 1:24 pm   Post subject:   

(I'm using the wrong name for the Chase employee because it is wrong for his info to be posted on this board. It wouldn't happen if Gary had any ethics requirements or followed the ones that he does have.)



Let’s compare Gary Spicuzza to Lou.



1)Who admits, “I don’t know”, when they don’t know an answer? Lou

2)Who can’t ever admit to being wrong? Gary Spicuzza

3)Who claims expertise? Gary Spicuzza

4)Who doesn’t claim expertise? Lou



5)Who got kicked off of the Kiplinger’s chat board after being ridiculed for 20 pages? Gary Spicuzza

6)Who claims an expertise in estate planning and doesn’t know the term IRD or how it relates? Gary Spicuzza

7)Who claims an expertise in estate planning and doesn’t understand the disadvantages of an annuity as an estate transference tool? Gary Spicuzza



(The Kiplinger’s chat board exposed Gary as someone who claimed an expertise in estate planning, but didn’t understand some of the most basic concepts. For those of you without knowledge in these areas, to put this is perspective, this is roughly equivalent to an accountant not knowing the difference between a debit and a credit.)





8)Who is licensed to sell insurance? Gary and Lou

9)Who is licensed to sell investments? Lou

10)Who makes up a fake designation? Gary Spicuzza

11)Who has virtually no over site? Gary Spicuzza

12)Who hasn’t passed any securities exams? Gary Spicuzza

13)Who can legally say, “Joe, I think that you should sell this mutual fund that you own and put the money into a fixed annuity?” Lou

14)Who claims to be a financial expert, yet can’t legally charge any money for financial advice? Gary Spicuzza

15)Whose claim to fame is being the only person with a S.A.F.E. designation? Gary Spicuzza

16)Who has to have continuing education credits dealing with investment issues? Lou

17)Who can’t legally suggest that someone buys or sells an investment? Gary Spicuzza

18)Who gets laughed at and then gets kicked off of every board he posts? Gary Spicuzza

19)Who has his own chat room with only himself and his brother(?)? Gary Spicuzza

20)Who is going out of his way to attack someone simply because they admit to not knowing something when that knowledge is irrelevant to their job? Gary Spicuzza

21)Who did nothing other than honestly answer a question? Lou

22) When a prospect inherits $10,000,000 who can only make money to the extent that the money is put into fixed insurance products? Gary Spicuzza

23) Who loses potential income for every penny in which a recommendation is something other than a fixed insurance product? Gary Spicuzza

24) Who can’t legally make any recommendation other than a fixed insurance product? Gary Spicuzza

25) Who believes that preference beneficiaries are illegal in the state of Florida despite Florida contracts having them and all evidence to the contrary? Gary Spicuzza

Unless…

26) Who has since learned that preference beneficiaries are legal in the state of Florida, but isn’t man enough to admit his error? Gary Spicuzza





Gary, there’s a gambling saying, made popular in the movies, that basically says that if you can’t pinpoint who the sucker is, it is you. I know that you think that you get kicked off of everywhere because you are the one with all of the knowledge and the rest of us are all idiots. However, if you can’t pinpoint the idiot…

InsuranceExpert
Senior member
Leave a quick message



Joined: 05 Apr 2009
Posts: 662


142.74 Dollars($)

PostPosted: Thu Aug 13, 2009 1:31 pm   Post subject:   

Moderators, please do the right thing and remove the business cards from this thread. The guy is an innocent bystander and shouldn't be pulled into Gary's shenanigans.

InsuranceExpert
Senior member
Leave a quick message



Joined: 05 Apr 2009
Posts: 662


142.74 Dollars($)

PostPosted: Thu Aug 13, 2009 10:53 pm   Post subject:   

Quote:
Moderators, please do the right thing and remove the business cards from this thread. The guy is an innocent bystander and shouldn't be pulled into Gary's shenanigans


Good idea, also moving this to the PUB





Gary...first of all you 'link' us to your own little forum, where you are the ONLY contributor, to read more of your ramblings....



Secondly...by my count you have broken the following Term of Use:







Quote:
Rules regarding duplicate content:

Duplicate content would not be entertained and would not be considered for payments. By duplicate content we mean-



An accurate copy of information from another source



Model information as portrayed in your blog or your own website.
I just checked your 'linky' and seems just about every time you post a new thread on that one person site, you copy and paste it here... Rolling EyesRolling Eyes



Quote:
Forum Postings:



Do not indulge in defaming or abusing other members and external visitors. Also, do not violate legal rights pertaining to others.




Quote:
Mutual respect, appreciation and co-operation are expected from the community members.




Quote:
Any forum post(s) that are considered to be aimless and intended to generate income only would not be entertained in our forums.






Grow up Gary, please, get some help for your low self esteem, you're eventually, bound to reap what you sow....There is no need for this 'hater' attitude you have toward, well anyone except yourself...it's time to cut it out...at least on this site...please


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Aug 14, 2009 5:36 am   Post subject:   

Dear all..



Quote:
Good idea, also moving this to the PUB


Yupp, I guess such threads should be moved to the Pub.



I've always appreciated Gary's way of thinking. When all of us are in a row, he has the ability to view things differently. I really don't care about criticisms till he has the logic to support his views.



But yes, there are somethings which need to be followed to maintain our forums as a neutral platform. Even when we believe that the truth is harsh, we need to present it in a positive way, so that the actual issue gets focused. Thanks..Roddick
roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.28 Dollars($)

PostPosted: Fri Aug 14, 2009 11:20 am   Post subject:   

Quote:
Even when we believe that the truth is harsh, we need to present it in a positive way, so that the actual issue gets focused. Thanks..Roddick
Great post Rod.


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sat Aug 15, 2009 11:04 am   Post subject:   

Ouch!!!



Arrow I've been taken to the woodshed by a WOMAN AGAIN!!! Cool



Twisted Evil Yeah, that post was over the line. But our job as posters is to behave exactly as small children and push the MODS to the brink to see how much we can get away with! Evil or Very Mad



Cool It's an Internet game! Wink


_________________

Gary Spicuzza, *SAFE

Copyright 1956.

No Rights Reserved.

*Self Appointed Financial Expert
GarySpicuzza
Forum Expert
Leave a quick message


Forum Expert

Joined: 03 Apr 2008
Posts: 965

Location: West Pasco County, FL
243.98 Dollars($)

PostPosted: Sat Aug 15, 2009 3:20 pm   Post subject:   

Gary, to you, it's a game. The rest of us genuinely want to help people.

InsuranceExpert
Senior member
Leave a quick message



Joined: 05 Apr 2009
Posts: 662


142.74 Dollars($)

PostPosted: Sun Aug 16, 2009 1:13 pm   Post subject:   

Quote:
I've been taken to the woodshed by a WOMAN AGAIN!!!


Some how I'm just NOT surprised...
Quote:
But our job as posters is to behave exactly as small children and push the MODS to the brink to see how much we can get away
No, it's not your job, I've already raised my kids...and I'm too old, and don't have the strength or patience I once had to deal with brats..(but I am truely glad you agree you were acting like a little boy.....)
Quote:
It's an Internet game!
Expert is right, no it's not...there are however tons of sites that provide internet gaming for those that are into that sort of thing or don't have other little friends to play with.



Gary, I accept your apology, as I'm sure the community does as well...play your games on another site if you must. But only (continue) to be helpful and community minded on this one..


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Aug 18, 2009 8:09 am   Post subject:   

Quote:
Gary, to you, it's a game. The rest of us genuinely want to help people.


I.E. anonymouse posters are just cowards who hide behind a screen name. Or claim some Broker-Dealer somewhere, "your master" won't let you identify yourself so the good people you want to help can send you a thank you card.



How many "Thank you" cards have you gotten from the people who have LOST 40% of their life savings because of your "expert" advice?



Just like the dufuss at the bank....NO ONE is a Banking EXPERT, Investment EXPERT and an Insurance EXPERT all rooled up into one so-called super star financial advisor.



So do us a favor here.... tell us,.... are you a stock broker or are you an insurance agent?

_________________
Register Now to have your Insurance queries solved.
Guest







PostPosted: Tue Aug 18, 2009 10:44 am   Post subject:   

I'm curious as to what you will do if EIAs become securities. I guess that you'll have to either stop selling them or become a registered rep and become an anonymous poster like the rest of us.



Nobody has ever sent me a thank you card for losing money for them.



I am a stock broker. I am an insurance agent. I am a financial advisor.

InsuranceExpert
Senior member
Leave a quick message



Joined: 05 Apr 2009
Posts: 662


142.74 Dollars($)

PostPosted: Fri Aug 21, 2009 12:34 pm   Post subject:   

Thanks Lori.



Quote:
But our job as posters is to behave exactly as small children and push the MODS to the brink to see how much we can get away with!




Our job as posters would also be to try and remain courteous and make things easier for others!



Debates are welcome! But it would be a lot better if they reflect the real sense of doing things. Roddick
roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.28 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.395 seconds.