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Old 07-28-2009, 01:37 PM   #31
Fel
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***CUMIS has responded to this blog article with a comment below***


"CUMIS’ practices are consistent with insurance industry standard practices in Canada. As with any life insurance company, CUMIS typically asks applicants seeking insurance on their mortgage loans to complete a brief questionnaire regarding their medical history.

Whether CUMIS asks for blood, urine and/or oral fluid samples is dependent upon the applicant’s responses to the health questionnaire; the applicant’s coverage history and the amount of coverage requested.

However, CUMIS does not collect hair samples, and has no plans to do so."

Respectfully,
The CUMIS Group Limited


** We appreciate Cumis weighing in on the matter, and for voicing there side of the story.**
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Old 07-28-2009, 01:42 PM   #32
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Quote:
Originally Posted by Fel View Post
***CUMIS has responded to this blog article with a comment below***


"CUMIS’ practices are consistent with insurance industry standard practices in Canada. As with any life insurance company, CUMIS typically asks applicants seeking insurance on their mortgage loans to complete a brief questionnaire regarding their medical history.

Whether CUMIS asks for blood, urine and/or oral fluid samples is dependent upon the applicant’s responses to the health questionnaire; the applicant’s coverage history and the amount of coverage requested.

However, CUMIS does not collect hair samples, and has no plans to do so."

Respectfully,
The CUMIS Group Limited


** We appreciate Cumis weighing in on the matter, and for voicing there side of the story.**
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Old 07-28-2009, 01:51 PM   #33
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Originally Posted by sirex View Post
Show me how many white people, with a good bank account and a stable job are going to get turned down that smoke dope.

Then show me how many Black/Brown/Native people that smoke dope with the same money/job get turned down.
I also wanted to bring this up.....

You all know that this story comes from Saskatoon, right?

You know that as of the 2006 census, there is a whopping 6% visible minority in Saskatoon? Of that 6%, almost 2/3 of it is of Asian decent?

Something tells me it's not the visible minorities that they are trying to cut down on with this thing.....


http://www12.statcan.ca/english/cens...EF=&GID=838041
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Old 07-28-2009, 06:03 PM   #34
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Originally Posted by chromius View Post
There are some seriously over paranoid people in this thread.
its ok though because all the right wing elitists are up in here to balance it all out.

Quote:
Originally Posted by chromius View Post
First off, you guys are acting like this is some fundamental right that's being violated here. Fact is, it's not. You don't have a right to a mortgage! It's the banks money, and they have the right to do what they want with it, and give it to whomever they choose.
if you think I think this you'd be wrong.

but runing wild with the rest of you paragraph though.
what if the bank decides to not lend to say black people, cause 'its their money' (well actually their investors)?
do you think it could take awhile before the rumor of their policy even got out?
do you think that policy would be wrong? cause as u say its their money.

this was alot of u.s banks policy towards black people back in the day: no niggars.
actually happened its not something made up from paranoia

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Originally Posted by chromius View Post
If you don't like their policy, then go somewhere else, or don't get a mortgage and save for the house you want. That's a novel idea. That's what people used to do, then somehow people got it in their heads that they have a right to money for nothing. This is the typical way our society is going, with an unrealistic sense of entitlement. Where people are buying $500,000 homes when they should really only be able to afford a $150,000 home.
yes saving is good. i agree alot do feel entitled, im not one of em.
there are no $150K houses in this town, well not Single homes anyways.

shit the ex-wife & I's condo townhome was $145K 6yrs ago, now worth 180'ish
we both had saved 15K each towards the dp, made it cheaper then rent.
thankfully at the time no one needed our bodily fluids, cause even at $30K down we were still below the 20-25% down required to avoid mort insurance.


Quote:
Originally Posted by chromius View Post
bmdbley'sBro, you said in the car insurance biz they all screw you over when your under 25, well that's simply not true. When I was under 25 the original insurance company I went with wanted to screw me over with high rates, but instead I went out and found a great insurance company that was quite reasonable.
no bud its just ur Opinion that what im sayin isn't true.

actually even over 25 if you'd say been a 2nd driver on ur parents car, when u 1st go to get insurance for urself as the sole driver, you will pay a premium. don't matter who you call, prices will vary but their will be a premium, for them having no history of you.

but im glad You got a 'deal' I myself went with the insurer $1600 dollars cheaper then my 1st quote, so it does pay to shop around

Quote:
Originally Posted by chromius View Post
And as for your first comment (sorry, I'm too lazy to quote), for those people that just "go along with it", ignorance is not an excuse. So I stick with my original statement, they're too stupid, and shouldn't have a mortgage anyway.
it was actually a comment based on scientific study, a comment on blindly doing what your told: Blind obediance to authority
7 out 0f 10 nice people around u would electric shock u to death if a man in a white lab coat (Authority Figure) told them to keep going, even over your screams of pain. milgram.



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Originally Posted by chromius View Post
I'm also very surprised none of you are up in arms about the fact that life insurance company's have been doing this stuff for decades! Surprise surprise, people are still getting life insurance.
but thats for health insurance, which we kinda have already..
so its like optional, well except for dental that we don't get free coverage of.
but if you have never watched Sicko, please check it out, should make a normal persons head spin in disgust.

sure we'll take your premiums for years till you actually need something then you will be - denied
1 could assume its a burden to have to start sueing ur insurer while on ur death bed, dying.

*i myself have pre-existing medical conditions that have required surgeries & a long painful recoveries.
and i will go through this again, possibly even a few more times.

I would be next to uninsurable in the u.s. , hmm perhaps this is why this story is of interest to me,
cause maybe it matters to my pre-existing conditioned ass if banks are going to start acting like u.s health care providers.

you cannot get into a home without borrowing! unless u are rich & don't need to borrow shit

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Originally Posted by chromius View Post
IF by slim chance all your paranoid delusions come true, and every bank in the country starts doing this, then I would suggest you start a bank that doesn't. You'll make a fortune. Then do you think the other banks will just let that potential profit fly out the window? No, they'll then adjust their policies accordingly. The market will self correct.
as for my paranoid delusions? friend, this would have to be made up to be defined as a 'delusion', but its actually happening.

so it is neither paranoid or delusional, but uhh thanks?
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Old 07-29-2009, 09:25 AM   #35
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Originally Posted by bmdbley'sBro View Post
its ok though because all the right wing elitists are up in here to balance it all out.
Because not believing in paranoia is right wing?

Rule 256 of the socialist handbook: "When you have no defense, call them right wing elitists or neo cons, regardless of the topic, or their political affiliation."

Quote:
but runing wild with the rest of you paragraph though.
what if the bank decides to not lend to say black people, cause 'its their money' (well actually their investors)?
do you think it could take awhile before the rumor of their policy even got out?
do you think that policy would be wrong? cause as u say its their money.

this was alot of u.s banks policy towards black people back in the day: no niggars.
actually happened its not something made up from paranoia
Sorry, I missed the part in the article where black people were being denied. Do you want to start naming every historical event where a specific people or race or religion was persecuted, then try and claim this is what this bank is trying to do? This has nothing to do with that.

It's these comments that make it look like paranoia, because you're introducing a non factual scenario into the story to make it seem like the bank is up to something sinister, like oppressing black people.

Quote:
yes saving is good. i agree alot do feel entitled, im not one of em.
there are no $150K houses in this town, well not Single homes anyways.
Exactly my point, who said you need a single family home? Buy what you can afford.
Quote:
we both had saved 15K each towards the dp, made it cheaper then rent.
thankfully at the time no one needed our bodily fluids, cause even at $30K down we were still below the 20-25% down required to avoid mort insurance.
And even today you wouldn't have to give bodily fluids. I think you've got the different types of insurance confused. When you don't meet the down payment amount, then the insurance you require is given out by CMHC, a canadian entity that insures against mortgage default. They don't care about health.

The insurance they're talking about in this article, and the type of insurance offered through banks is for death and disability insurance. To cover your mortgage in the event that you can't pay because of illness or because of death. Hence why they require a health checkup before you're approved. And BTW health checks usually require blood samples.

Quote:
no bud its just ur Opinion that what im sayin isn't true.
Actually no, it's not opinion, because it actually happened. When an event happens that contradicts a statement made by you, then it no longer is an opinion, it becomes fact. That fact being, that there IS competition in the market, and not ALL insurance company's make under 25's pay through the nose.

Quote:
it was actually a comment based on scientific study, a comment on blindly doing what your told: Blind obediance to authority
7 out 0f 10 nice people around u would electric shock u to death if a man in a white lab coat (Authority Figure) told them to keep going, even over your screams of pain. milgram.
Then either they got a bad batch of people, or 7 out of 10 people are stupid. I'd be more inclined to believe the latter.


Quote:
but thats for health insurance, which we kinda have already..
so its like optional, well except for dental that we don't get free coverage of.
but if you have never watched Sicko, please check it out, should make a normal persons head spin in disgust.

sure we'll take your premiums for years till you actually need something then you will be - denied
1 could assume its a burden to have to start sueing ur insurer while on ur death bed, dying.

*i myself have pre-existing medical conditions that have required surgeries & a long painful recoveries.
and i will go through this again, possibly even a few more times.

I would be next to uninsurable in the u.s. , hmm perhaps this is why this story is of interest to me,
cause maybe it matters to my pre-existing conditioned ass if banks are going to start acting like u.s health care providers.

you cannot get into a home without borrowing! unless u are rich & don't need to borrow shit
Re-read my statement, I was not talking about health insurance, I was talking about LIFE insurance. Big difference. Life insurance company's have been doing this for years. And is exactly what they're talking about in the article.

The reason most banks that offer mortgage insurance don't get samples before hand is because they do what's called post-claim underwriting, where they see if you're eligible for the insurance after you make a claim. (big scam by the way). Hence why they don't normally care what your health is. Where as a normal insurance deal (such as the one in this article) checks your health before you apply to see if you're eligible. Again, nothing abnormal. If you don't like it, then you can choose not to do it.

Quote:
as for my paranoid delusions? friend, this would have to be made up to be defined as a 'delusion', but its actually happening.

so it is neither paranoid or delusional, but uhh thanks?
That statement wasn't directed solely to you, however...

To be paranoid, the story doesn't have to be made up, you just have to twist it, and believe the people are up to something sinister. Which you quite obviously do. Hence the paranoia.
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Old 08-01-2009, 04:44 PM   #36
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Quote:
Originally Posted by Fel View Post
***CUMIS has responded to this blog article with a comment below***


"CUMIS’ practices are consistent with insurance industry standard practices in Canada. As with any life insurance company, CUMIS typically asks applicants seeking insurance on their mortgage loans to complete a brief questionnaire regarding their medical history.

Whether CUMIS asks for blood, urine and/or oral fluid samples is dependent upon the applicant’s responses to the health questionnaire; the applicant’s coverage history and the amount of coverage requested.

However, CUMIS does not collect hair samples, and has no plans to do so."

Respectfully,
The CUMIS Group Limited


** We appreciate Cumis weighing in on the matter, and for voicing there side of the story.**

section from orig artcle i posted
Quote:
When asked if AFFINITY CREDIT UNION were aware of their partner CUMIS, performing drug screening, hair samples, and a multitude of highly personal information for ‘high risk’ individuals seeking home insurance, they responded with the following, “CUMIS does conduct the necessary screening procedure for homes above 300,000 dollars.” And does that include hair samples and urine samples? “yes”.

When reached for comment a CUMIS representative stated that; “it is our policy to conduct drug screening for homes loans above 300,000 dollars, so we can protect that money somehow” they also stated that even if you answer ‘no’ to any questions on the health questionnaire you will still have to “provide a urine sample”. Interviewer: Are you aware of an executive order from Bush in 2008, disallowed CUMIS INS from gathering hair and urine samples, in the USA? They responded by saying. “well, were not in the states are we”.Indeed we are not, but the question remains, is it still ethically responsible, regardless of the location?
their statements seem to be at odds with each other, imagine.

funny the larger 300 million customer base country that they could potentially lose waaay more money in, no hair or urine. yet they still offer insurance in the u.s, but in canada they have to protect their loot, bend over canadian customer?
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