This podcast explains why we need Medicare for All
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The Medicare Agent Podcast teaches independent Medicare agents and Medicare brokers how to manage, market and grow your Medicare business more effectively. Guests on this podcast include veteran Medicare agency owners who share how they run their Medicare business, the mistakes they made you can learn from and avoid, and how to build a thriving book of business as a Medicare insurance agent.
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Medicare Simplified | Sanford Health Plan

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Medicare Simplified | Sanford Health Plan
Sanford Health Plan
Welcome to Medicare Simplified, a podcast by Sanford Health Plan to help you decide which Medicare options are right for you.
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Medicare signup is confusing for many. Debbie Stroup has made it her career mission to help people avoid the scams that are out there and make sure they're signed up for the best plan for them. This mission is a year-round effort....not just for Annual Enrollment Period. This podcast will share stories and provide insight to help people become as educated as possible when it comes to Medicare signup. https://www.michiganmedicarespecialist.com/ #medicareAEP #medicareenrollment #medicarepodcast
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Medicare For The Lazy Man Podcast


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Medicare For The Lazy Man Podcast
Douglas B. Jones, CLU, RHU with Randy Carson of C2C Consulting
Lighthearted Medicare advice and opinions from longtime expert Douglas B. Jones, CLU, RHU. Drawn from his book: Medicare for the Lazy Man (an Amazon best seller), Doug's advice provides a simple road map to the best Medicare insurance protection available on the market today!
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Benjamin Day and Gillian Mason of Healthcare-NOW break down everything you need to know about the social movement to make healthcare a right in the United States. Medicare for All!
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Moving yourself into the Medicare system for the first time can be a challenge. When we say "first time" we mean those folks that are turning 65 and need Medicare now or those that are retiring past age 65 and have to figure out how to go from their employer sponsored insurance and over to the Medicare system. That's where we come in. Join Joanne Giardini-Russell and Cameron Giardini along the with rest of the "Transition to Medicare Team" as they get you there in the right manner. Our Michi ...
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This is MedicareBob, a Podcast created to empower Seniors with Medicare knowledge.
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Experts Meg Koepke and Melissa Cohen – Vice Presidents at Aurrera Health Group –dive deep into the healthcare program millions of people across the country rely on Medicare. Join Meg and Melissa as they meet up with patients, clinicians, policymakers, insurers, caregivers, advocates, and disruptors to talk about the evolution of this crucial program and what lies ahead. Find new episodes here or subscribe on Apple, Spotify, or wherever you get your podcasts.
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We're here to help seniors navigate two of the most confusing yet important things they will sign up for: Medicare and Social Security! This journey will be about that and much more, though. Dave Miller is on a mission to avoid confusion among seniors and help them live the best version of their Golden Years as possible. Dave will share his vast life experiences in this entertaining format....you just never know what he'll talk about from one week to the next. Enjoy! #medicarepodcast #social ...
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Hosted by Medicare expert &specialist, author, and entrepreneur, Christian Brindle. All about Medicare! Made easy, and FUN!
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Most of us will eventually have Medicare, and you probably have a family member or friend who is currently a Medicare beneficiary. There is a lot to learn about these vital benefits, and I will use my 10 years of experience working with Medicare beneficiaries to teach you how it works.
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Eduardo Rondon le enseña a la Juventud Prolongada todo lo que necesita saber sobre Medicare en una forma fácil y práctica, para que estén informados y saludables. Llame al 1(800)204-1297 o visite www.seniorhealthpro.net para más información.
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Connecting you with what to do, what to know and what to ask now that you’re on Medicare.
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Wound Care People & Medicareplus International Podcasts

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Wound Care People & Medicareplus International Podcasts
Mole Digital
Welcome to this series of podcasts from Wound Care People and Medicareplus International. This series will explore MASD; explaining what it is, the issues it can cause for clinicians and the common pitfalls which can occur during assessment. Joining Nicola Rusling, Medical Editor and Writer for Wound Care People, will be Alison Parnham and Joy Tickle, both Tissue Viability Nurse Specialists, and Dale Copson, Clinical Services Specialist Consultant.
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Podcast by Dan White
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TSS: Medicare & Social Security Benefits


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TSS: Medicare & Social Security Benefits
Trusted Senior Specialists
Do you have questions regarding Medicare and Social Security Benefits? Trusted Senior Specialists has your answers and more. Tune in to find out!
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Super Medicare Bros Presents: The Podcast


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Super Medicare Bros Presents: The Podcast
Joshua Okpara
Hey! It's your FAVORITE medicare resource bros! Coming at you with need-to-know content regarding your medicare concerns! Do you, your parents, grandparents, relatives, or siblings confused about medicare? This podcast will answer frequently asked questions so that you will be equipped for battle!
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Medicare Insurance Agents Podcast


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Medicare Insurance Agents Podcast
Vista Mutual Insurance Service
The Owners of Vista Mutual Insurance Services talk everything Medicare Insurance. From Lead Generation, How to run an Appointment, to how you should pick your Medicare insurance and agent. We will talk how we run our business in every facet.
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Medicare Basics - Keith Armbrecht Medicare on Video


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Medicare Basics - Keith Armbrecht Medicare on Video
Keith Armbrecht
All episodes available on video - www.keithsvideos.com All you need to know about Medicare. Host Keith Armbrecht, founder of Medicare on Video, discusses the different parts of Medicare. Everything from Medicare Parts a and B to how to choose a Medicare supplement plan. Keith goes over in detail the things that you need to do when either you are turning 65 or are retiring and coming of your group plan. Keith makes it easy to get all of your pieces in the right places.
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Podcast hosted by nationally-recognized expert on Medicare, Jae W Oh, MBA CFP CLU ChFC, author of top-rated, top-selling book on Medicare, Maximize Your Medicare. Subscribe to the YouTube channel and check out the book at www.maximizeyourmedicare.com
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Changes to the Medicare payment system are on the horizon, and physicians around the country are wondering how the new Medicare Access and CHIP Reauthorization Act (MACRA) will impact their practices. This series from the American Medical Association provides an inside look at what’s to come and what physicians can do now to prepare for the transition to MACRA. Hear from industry experts and physician leaders about their experiences with new payment models, quality reporting and more. Sponso ...
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Welcome to Medicare Connect Radio, sponsored by Millennium Physician Group. Each week, we talk about the healthcare issues that are important to you if you’re 65 or older, approaching 65, or maybe you’re making healthcare decisions for a loved one who’s in their golden years. We invite providers and experts to share insights to help you take control of your healthcare decisions. Millennium Physician Group has quickly become the leading independent physician group with more than 800 healthcar ...
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Simply Medicare with Debbie Stroup


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Discussing important changes with Medicaid
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If you have Medicaid you need to listen to this podcast. Debbie is joined by Dustin VanDuine to discuss changes that could leave some without Medicaid and what they can do to ensure they have some sort of medical coverage. Watch the video version here. https://youtu.be/NlHFZWrw0xQ https://www.michiganmedicarespecialist.com/ #medicare #medicaid #med…
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Medicare For The Lazy Man Podcast


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Ep. 503 -The Covid panic ended so now they’re trying to kill telemedicine!
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Virtual visits to doctors and other medical practitioners, referred to as telemedicine, is a great way to save money, time and resources. For some reason, governments are clamping down on this great technological innovation! Also, how much do you think the $64,000 prize would be worth today? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+…
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Usually we spend our time on this podcast talking about our for-profit healthcare system and why we need to make healthcare a public good, but in this episode we’re taking a detour into another privatized American system that should be public: our railroads! Just like in US healthcare, private companies are falling asleep at the switch on managing …
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This is episode 99, “Clarifying a Few Points.” Do not miss this episode as host Joe Sparks explains why the free-market will always result in a market failure for healthcare and why the free-market will never provide a viable solution for healthcare.بقلم Joe Sparks
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Medicare Meet-Up

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Season 3 Episode 8 – Re-examining Value Part 2 of 3
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In the second episode of the Re-examining Value series, the Medicare Team speaks with Ann Greiner, president and CEO of the Primary Care Collaborative and Brock Slabach, COO of the National Rural Health Association about ongoing opportunities to improve patients’ care in the value movement. Show notes: “Wakely Risk Insight for the Medicare Shared S…
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The Medicare Agent Podcast


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The 2024 Final Rule: Insights from a Medicare Marketing and Compliance Attorney
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In this episode of the Medicare Agent Podcast, host Sarah Jacobson interviews Helaine Fingold, an attorney at Epstein Becker Green who spent nearly a decade working on Medicare regulation at CMS. Fingold specializes in Medicare Advantage and Part D, with a focus on marketing, agent broker oversight, compensation, and compliance. The conversation ce…
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Why did I get a penalty from Medicare? Can Medicare penalties be removed or lowered? How long do I have to pay these penalties? Dave will show you how and why you may have received a "Late Enrollment Penalty" and how to hopefully reduce it. Late enrollment penalties "CAN" be avoided! Watch the video version here https://youtu.be/7S5Q0QoiI-c www.mig…
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Medicare Simplified | Sanford Health Plan

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Care management tailored to your needs - Medicare Simplified
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In this episode of Medicare Simplified, we review how a plan with Align powered by Sanford Health Plan supports patients managing diabetes, blood pressure, other ongoing conditions Learn more about Medicare Advantage and Sanford Health Plan at align.sanfordhealthplan.comبقلم Sanford Health Plan
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The Transition to Medicare Podcast


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How are Medicare Brokers Actually Paid?
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Are you curious about how Medicare brokers earn their living and how this may impact you, the consumer? In this enlightening episode, we pull back the curtain on the commission structures for selling Medicare products, shedding light on the often-misunderstood world of Medicare commissions. We unravel how brokers are paid, from selling Medicare Adv…
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Medicare For The Lazy Man Podcast


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Ep. 502 - Expensive new drugs pose big budget problems for Medicare!
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If only a small percentage of participants are prescribed the newest drugs, Medicare will be stuck paying billions of dollars each year. Wegovy update: Apparently there is now an oral dose available to replace self-injections. Still a budget-buster? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A++) Inspired by: "MEDICARE FOR THE LAZY MAN …
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Medicare For The Lazy Man Podcast


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Ep. 501 - SSA handles Parts A & B enrollment but the process is all over the place!
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Consistency seems to be lacking in the Medicare enrollment process from one SSA office to another. Some are more efficient and easier to deal with than others. Also, big ups to Chris, an agent in Muskogee, OK who wants to use Medicare for the Lazy Man as a pattern for advising his clients! Have you seen any nurses lately? Could you tell whether the…
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Medicare For The Lazy Man Podcast


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Ep. 500 - Weight loss drug Wegovy: Better living through chemistry? Maybe...
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Wegovy is effective but expensive and might cause rebound weight gain when consumption is ceased. Also, has someone been sending you many, many unsolicited Covid test kits lately? That is likely a case of Medicare fraud.] As if that weren't enough, get ready for another in our series of Stump the Insurance Guy Medicare questions! Contact me at: DBJ…
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Medicare Simplified | Sanford Health Plan

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Planning for Medicare with a personal assistant - Medicare Simplified
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In this episode of Medicare Simplified, Align powered by Sanford Health Plan’s health navigators help members find benefits that fit Learn more about Medicare Advantage and Sanford Health Plan at align.sanfordhealthplan.comبقلم Sanford Health Plan
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Medicare Simplified | Sanford Health Plan

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What to know about Medicare and pre-existing conditions - Medicare Simplified
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In this episode of Medicare Simplified, we review pre-existing conditions when it comes to Medicare. Learn more about Medicare Advantage and Sanford Health Plan at align.sanfordhealthplan.comبقلم Sanford Health Plan
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Medicare Simplified | Sanford Health Plan

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Comparing group insurance vs. Medicare options - Medicare Simplified
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In this episode of Medicare Simplified, we focus on how you can sort through costs and coverage while working, before turning 65. Learn more about Medicare Advantage and Sanforبقلم Sanford Health Plan
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Medicare For The Lazy Man Podcast


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Ep. 499 - Artificial Intelligence - pros and cons for the medical industry!
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Remember Y2K? Well, get ready for more of the same when folks start trying to figure out what AI is likely cause! Also, listen for Question 1 of 25 in our new Medicare Q & A feature! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave…
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The Medicare Agent Podcast


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Maximizing Your AEP Process: How to scale your business and focus on your strengths
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Sarah Jacobson interviews Alexandra Eidenberg from The Insurance People in Chicago. Alexandra talks about her agency's growth, her focus on design and education, and how she runs a tight process so that she can focus on selling instead of administrative work. Alexandra breaks down how and what she delegates to her assistant, so she can scale her ow…
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Medicare For The Lazy Man Podcast


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Ep. 498 - Five important things to know about Medicare; one expert’s opinion!
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Also, are we making progress toward a victory over Parkinson's? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com…
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Simply Medicare with Debbie Stroup


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Aging in Place Remodeling with Jerry Acciaioli
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All seniors want to live in their homes as long as possible. One way to accomplish that is to remodel certain areas to make it safer. Jerry Acciaioli of CAPS Remodeling joins Debbie to explain some simple solutions that can keep Seniors living in their comfy confines. Watch the video version here. https://youtu.be/HNqpj8Agq4U https://www.michiganme…
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Medicare For The Lazy Man Podcast


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Ep. 497 - Watch out for that big, scary Donut Hole in your drug plan!
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Just kidding, it really isn't all that tragic when you land in the Donut Hole. Also, how does Medicare work during your travels around the USA and the world? Plus, we touch on a little of the Beach Boys' history, both good (Pet Sounds) and bad (the devastation wrought by Murray Wilson). Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Ins…
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Medicare for All


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American Hospitals – Healthcare Villains?
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Virtually all Americans know that our healthcare system is broken and that it’s working against us. But who is the villain in this story? Who is responsible for maintaining this healthcare system, and using it to profit off of patients? If we had to round up the usual suspects in a lineup, we’d probably end up with health insurance companies and bi…
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Medicare For The Lazy Man Podcast


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Ep. 496 - Prostate cancer: widespread threat faced by men everywhere!
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Will AI advances change the forecast for future victims of prostate cancer? Also, why is the central business district of Chicago known as "The Loop"? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help …
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Medicare For The Lazy Man Podcast


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Ep. 495 - Victory in sight? A killer cancer may be on the verge of defeat!
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Pancreatic cancer is a death sentence for 90% of its victims. In a small but promising trial, a new vaccine procedure offers hope to slash the fatality rate and give patients a new lease on life! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Re…
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The Medicare Agent Podcast


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In Person Events: How to Find New Medicare Clients Through Grocery Store Kiosks
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In this episode of the Medicare Agent Podcast, host Sarah Jacobson interviews Erica Selvaggio Ferrari, an expert in Medicare insurance from Southern California. Erica discusses her transition from selling group health insurance to focus on Medicare, shares some heart-warming stories of her clients, and talks about her experience with doing grocery …
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How does Part "C" work? What is the Donut Hole? I don't take any perscriptions why get Part D? I'll tell you why!!! Dave will walk you through Part C and D and show how they work. Then Dave will explain what Tiers are, what drugs are covered in each tier. Then we drop in the "Donut Hole" and learn how you fell in and when you will get out. www.mig4…
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Medicare For All Explained


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The Reintroduction of Medicare for All Bills and Why We Need Medicare for All
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This is episode 98, "The Reintroduction of Medicare for All Bills and Why We Need Medicare for All." Do not miss this episode as host Joe Sparks informs that the Medicare for All Act bills will be reintroduced in the House of Representatives and the Senate on May 17, 2023, and summarizes some of the reasons why we need Medicare for All.…
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Medicare For The Lazy Man Podcast


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Ep. 494 - A new national health crisis is looming; threatening to destroy us all!
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Biden's Surgeon General has concocted another horrible disaster to justify his pathetic existence and that of the wasteful government bureaucracy he rules. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & …
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Medicare For The Lazy Man Podcast


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Ep. 493 - Inexplicable situations flummox your self-anointed Medicare expert!
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Two valued clients have their applications handled in unexpected and mysterious ways. Fortunately, both emerge with the unmistakable aroma of fresh spring flowers! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer r…
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Medicare For The Lazy Man Podcast


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Ep. 492 - Delayed retirements, increased Med Supp sales and urine tests for cancer!
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Older employees are worried about their finances, and planning to continue working longer than intended. An AHIP survey reports an increase in Medicare supplement sales. They promote Medicare Advantage plans so it must be true! Work is being done to develop urine tests that will detect certain types of cancer. Metabolites in the urine will provide …
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The Medicare Agent Podcast


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Owning Your Zip Code: How to use local marketing to become the go-to Medicare resource
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Mark Brownstein tells the story of how he built Emerald Medicare over the past 7 years. Mark shares how he invests in local marketing, including radio, referral partnerships, and local events, to “own his zip code” and build a thriving Medicare business. Mark talks about how he streamlined his workflows and scaled his business to 1,500 clients as t…
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The Transition to Medicare Podcast


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Top 5 Medigap Mistakes (How to Avoid them)
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Medicare supplement plans can be a great way to fill the gaps in your Medicare coverage, but there are common mistakes that can have costly consequences. In this episode, we'll cover mistakes such as not considering Medigap coverage during your open enrollment period, not considering the cost of the plan, choosing the cheapest plan, not understandi…
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It's never too late to change. If at any point during the year you come the realization that you have chosen the wrong plan for you, it's possible to get into a better one. Debbie explains in this edition of Simply Medicare. Watch the video version here. https://youtu.be/M3wIvagnGuQ https://www.michiganmedicarespecialist.com/ #medicare #medicarepod…
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Medicare For The Lazy Man Podcast


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Ep. 491 - Shoulder Replacement Special; starring returning guest Roy Brotherhood!
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Roy has a brand new shoulder, thanks to the Frenchies. Listen to him describe the whole process from misery to recovery. Also listen to the joy in his voice as he sings the praises of his High Deductible, High Value Medicare supplement plan! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Sim…
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Medicare For The Lazy Man Podcast


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Ep. 490 - Too much time in the sun? How will Medicare feel about that?
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Also do you have clients? Are they a source of joy or frustration? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com…
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Medicare For The Lazy Man Podcast


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Ep. 489 - Medicare ”Blue Buttons”, ACOs and laughable Government security!
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A mish-mash of Medicare related data sharing, hacked ZOOM presentation and concern about taking baby steps toward Big Brother! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official…
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The Medicare Agent Podcast


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Networking Over Marketing: How to Scale a Medicare Agency from Scratch without Marketing Spend
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In this episode of the Medicare Agent Podcast, host Sarah Jacobson interviews Nate Rubenstein, founder of Midwest Medicare Advisors. Nate shares his experience of launching his business three years ago and explains the value of networking over marketing. He provides valuable insights into how he advises clients when they have to choose between thei…
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Medicare for All


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Private Equity’s Path of Destruction in Health Care
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If you missed our annual Single Payer Strategy Conference, it’s your lucky day. Today we share a conference presentation all about the impact of Private Equity on healthcare (spoiler alert: it’s not good.) Our guests are Eagan Kemp, Health Care Policy Advocate at Public Citizen; Rachel Madley, Health Policy Advisor to Medicare for All Act chief aut…
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What does Origonal Medicare Cover? What are the deductibles? Dave will explain how Medicare Parts A and B work, what they cover and how the deductibles come in to play. After watching this you will understand why secondary coverage is a must!!! www.mig4u.net Watch the video version here https://youtu.be/X824hNVamjw https://www.mig4u.net #medicarepa…
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Medicare For All Explained


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Some Changes Needed in Our Current Healthcare System
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This is episode 97, “Some Changes Needed in Our Current Healthcare System.” Do not miss this episode as host Joe Sparks explains why certain companies should not be allowed to assist or advise the Centers for Medicaid and Medicaid Services, why we need to track denial of care by health insurance companies, why physicians deserve a rate increase fro…
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Medicare For The Lazy Man Podcast


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Ep. 488 Medicare is NOT ”one size fits all”; Don’t just do what your friends are doing!
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For example, the best drug plan for you will not often be best for your friends or family members on Medicare. Search the Medicare.gov database to be sure. Also, Cindy from Michigan writes to support what I have been screaming about: Medicare Advantage plans are not always in business to do the right things for their members Finally,Medicare supple…
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Medicare Meet-Up

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Season 3 Episode 7 – Re-examining Value Part 1 of 3
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In this first episode of the Re-examining Value series, the Medicare Team speaks with Mai Pham, founder and president of the Institute for Exceptional Care, and Rob Nelb, principal analyst from the Medicaid and CHIP Payment and Access Commission (MACPAC) about what the value movement got right and where it falls short.…
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Medicare For The Lazy Man Podcast


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Ep. 487 - More ”Views from Agents & Brokers” about what fills their portfolios.
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Also, does a change in direction of a trend portend a big change for the new car choices? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheL…
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Medicare For The Lazy Man Podcast


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Ep. 486 - Choosing Medicare coverages: views from insurance agents & brokers!
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Finally, some unvarnished truths shine through. What choices would an experienced medicare agent make for himself? Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: ht…
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The Transition to Medicare Podcast


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Top 5 Medicare Advantage Mistakes (How to Avoid)
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In this podcast, we will be discussing the top five biggest mistakes people make when choosing a Medicare Advantage plan. Medicare Advantage plans can be confusing, and making the wrong choice can have costly consequences. We will cover common mistakes such as not checking if your doctor is in-network, not comparing plan costs, not reviewing prescr…
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The Medicare Agent Podcast


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Relationships and Automation: How to grow your Medicare business through relationships with HR professionals and automate manual processes
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On this episode of the Medicare Agent Podcast, host Sarah Jacobson interviews Pam Stout from Springdale, Arkansas, about her Medicare agency, Redline Health. Pam shares insights on how she built her agency and brought on other agents, her use of automation tools like Calendly to streamline her business, and her approach to building relationships wi…
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Simply Medicare with Debbie Stroup


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Navigating A Grand Family with Craig Nash
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Ever heard of the term "Grand Family?" It's something millions of seniors are experiencing now as they unexpectedly have to raise their grandchildren. Craig Nash, host of the It's A Grand Life Podcast, is living this right now and he joined Debbie to explain how he has navigated this difficult scenario. Great lessons for all here! Watch the video v…
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Medicare For The Lazy Man Podcast


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Ep. 485 - Medicare supplements deliver high levels of satisfaction, study says!
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The vast majority of those covered by Medicare supplements are very satisfied with the benefits, services and charges covered by their Medicare supplement plans. Also, he FBI and White House seem to be at odds over the source of the Coronavirus. Whoever wins, someone owes me an apology! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Ins…
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