[speaker001:] okay you know what happens is I've tried I was out because of surgery last week so I tried calling a couple of eight o'clock calls and I got a person from Utah and a person from New York and a person from New Jersey so I thought sort of need her calling really early in the morning
[speaker002:] early in the morning and you got somebody from Dallas uh well I'm from Mesquite
[speaker001:] out of town so that's why that's why I've been making been making it a habit of calling in the morning
[speaker002:] um-hum
[speaker001:] but anyway uh the topic was the most important benefit of your job today besides salary and how satisfied are you and everything I'm sort of self-employed so uh I
[speaker002:] um-hum um-hum well I am too for the first time in my life um-hum
[speaker001:] really I'd be at a a little loss for words on this as far as I'm concerned most definitely uh most important benefit today would be hospitalization and of course retirement and things like that
[speaker002:] um-hum well I've worked for a large Fortune 500 company before and have had the luxury of uh benefits and um at a very small cost and uh then got out on my own through no fault of my own I was with Safeway and they left the country or left the um north part of the state
[speaker001:] uh-huh
[speaker002:] and uh I find myself in the insurance industry and I am finding I although I don't sell group insurance or major medical I sell supplemental health I'm finding that every place I go to talk to them about my product it's they're in such a dilemma about um the major medical group market right now it's just not very desirable um
[speaker001:] well that's very true I can understand that because I'm a just a small business person I run a my company has five people but uh they're all straight commission salesmen so they all provide their own
[speaker002:] um-hum
[speaker001:] insurance and it's been that way since nineteen seventy four and my office is just a one person office I have myself plus my secretary and she comes in at nine leaves at five and uh
[speaker002:] um-hum
[speaker001:] she's on her husband's insurance program and I just uh
[speaker002:] so you're fortunate in that manner
[speaker001:] yes
[speaker002:] well um I think some of the benefits that are being made available nowadays like the 401K to the employees
[speaker001:] yes
[speaker002:] um is beneficial I was not a participant or that was not available when I was employed but uh I did participate in a stock program and uh
[speaker001:] oh that's great
[speaker002:] and that really worked out well for me when I had been with the company for thirteen years and now have a a you know a small retirement set aside which is allows me to go on commission sales and um and do it you know comfortably
[speaker001:] oh that's neat are you married
[speaker002:] uh no I'm not
[speaker001:] okay well I'm married and my wife's a school teacher so I'm on her they have pretty good insurance so I they she carries me on her insurance program which works out real well
[speaker002:] they really do what uh school district is she in
[speaker001:] she's in the Plano School District in Plano
[speaker002:] um-hum
[speaker001:] and it's not cheap it's like all insurance insurance just keeps on going up more and more every day and course the uh the prices they're charging today and because of the problems they have
[speaker002:] exactly and the deductibles are going up and that
[speaker001:] oh deductibles are high
[speaker002:] um-hum that's one of the reasons my um the what my product is just getting more and more popular because it's a catastrophic cancer insurance intensive care and a daily hospital indemnity and so those kinds of things not only help a person um cover um their deductibles it helps you know pay the rent and or the mortgage and they and the car payments when uh that person has to be off with something like cancer or heart attack
[speaker001:] oh you bet supplemental anything is important today I'll tell you whether
[speaker002:] exactly and I'm I real feel real fortunate that I've landed in a with a really good company in a good position
[speaker001:] well that's great
[speaker002:] and they're really nice too one of the benefits of that company is that they provide me with some stock um they give it to me uh three point five percent of what I sell and um uh annualized premium and so this is really going to add up through the years I've been doing this over a year and have already accumulated quite a bit
[speaker001:] well that's super
[speaker002:] so
[speaker001:] we're just uh I carry my own Keogh Plan as far as benefits and I've been doing that since nineteen seventy four or seventy five or whatever and
[speaker002:] um-hum
[speaker001:] that's more or less my wife's and my retirement I'm fifty years old my wife is forty nine and she didn't start teaching till she was forty so
[speaker002:] um-hum um-hum
[speaker001:] we raised our kids first and she went back and got her degree and started teaching so it looks like we're gonna retire in a couple of years and she'll uh she'll qualify for a little something after ten years of teaching but not a whole lot but it'll be
[speaker002:] um-hum um-hum
[speaker001:] certainly be useful and needed
[speaker002:] right what kind of business are you in
[speaker001:] I'm in the sporting goods business I'm a own a manufacturer's rep firm and uh we we represent eighteen different hunting and shooting type companies and that's all I've done since
[speaker002:] I see um-hum
[speaker001:] I graduated school years ago sold a sold
[speaker002:] is that right well it's the first time I've been in sales in my life uh-huh
[speaker001:] really oh it's neat isn't it
[speaker002:] I love it I love it I should've been there a long time ago
[speaker001:] oh yes