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The Phoenix Companies Inc. Message Board

emilyryan01 15 posts  |  Last Activity: Jul 30, 2015 6:04 PM Member since: Oct 25, 2006
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  • Reply to

    Movement and volume in PFX

    by lestercohen37 Jul 28, 2015 2:36 PM
    emilyryan01 emilyryan01 Jul 30, 2015 6:04 PM Flag

    Lester, now you have made enough money to buy the congregation some matzo balls. Your direct line is not working so well these days. MS is wishing they never bought into this mess. Tell Sandyfox if she wants to come fish with the kids instead of fishing for some not going to happen stock return she is more than welcome.

    Fishing has been tremendous and the kids are loving it. Blue fish by the dozens. Wonderful Summer with friends and family. Taken in some great summer time baseball as well.

  • Reply to


    by sandyfox804 Jul 23, 2015 10:24 PM
    emilyryan01 emilyryan01 Jul 24, 2015 10:55 AM Flag

    Wow, You are crazy!! Stock expert at that!!! They have been done for a long time, which I have been saying for years not just the past year like you. Bankruptcy is not in the future, because they hold a large asset. You figure it out honey, OK. They may start selling off companies?? Hartford anyone??
    You are pretty good with the DFG rules for MA. That's Dept. of Fish and Game if you did not get that. We follow a strict protocol when it comes to fishing. We only take what we are going to use for food. We catch MANY and release Many. We also have more than one person on board with fishing licenses. You can do that math correct.

  • Reply to

    Ignore Fish Lady

    by sandyfox804 Jul 12, 2015 7:25 PM
    emilyryan01 emilyryan01 Jul 24, 2015 10:39 AM Flag

    Fox804, I feel sorry for you. You can't be all there. Yes the stock is down and is not going anywhere. But, bankruptcy will not happen. They have one thing that most insurance companies do not have and that is a closed block of business. This is holding around 15 billion and I is from the business that was sold before they Demutualized. This part will just run off the books over time from death claims or lapsed policies. They are hoping that some of the companies that were formed after the demutualization will be sold off just like Hartford did. Sell off the annuity business, Saybrus, Asset management. Nobody will touch the life companies. Just go away, you don't get it.
    I am having the best summer. We have had so many kids out fishing this summer and they have caught so many fish, and big fish at that. Been a wonderful season.

  • Reply to

    Ignore Fish Lady

    by sandyfox804 Jul 12, 2015 7:25 PM
    emilyryan01 emilyryan01 Jul 14, 2015 5:03 PM Flag

    Are you all there Fox804???? Have been on here for years disagreeing with the management of this company and all the pumpers who come on here and say they know this business so buy the stock, it is going through the roof. NOT. This company has so many things behind the curtain it is not funny. And a whole lot of policy holders got taken by taking this company public. Yes, haw many times do I have to say Dona is the one who buried this company deep and why they are where they are at. She ruined two very fine companies. So go away with you prediction of bankruptcy any time soon. It won't be sold any time soon either, to much behind the curtain remember, no one will touch it. The thing to watch is the closed block, when that goes so goes the company.
    Wonderful day on the water today, we had 4 first time fisher people all age 14. They had a wonderful time not only catching fish which we killed it, 15 bluefish, 9 stripers, but to see their faces when the whales came up next to us was just priceless.

  • Reply to

    Ignore Fish Lady

    by sandyfox804 Jul 12, 2015 7:25 PM
    emilyryan01 emilyryan01 Jul 12, 2015 9:25 PM Flag

    Yes, that is right Sandy, I was pro Dona with one N. I support women in business and those that especially ran a successful business. When she took over she was one of only a few CEO's in the industry, so yes I supported her. Then I saw the wolf come out and my clients were more important than any women CEO. She ran a good little company into the ground and hurt many policyholders along the way. Shame on Her!! Ignore me??? I have been right for years on this stock and company, well be my guest, ignore..And if you knew anything about PNX, which your second post shows you do not, bankruptcy is not in the cards.
    And lastly, No I am not in the Pacific today, I summer in a place that Patty Page loved to sing about. I will not head home to Los Suenos until mid October, give or take a few weeks. What's a few weeks when you are retired.

  • Reply to

    This company is not...

    by jjjjoejjj Jul 10, 2015 11:47 PM
    emilyryan01 emilyryan01 Jul 12, 2015 5:49 PM Flag

    Right On JJJJJjoeJJJ. Lester is nothing but a pumper that needs to make a few pennies to survive. He is lost and desperate for this company to do well. I just want the company to do well for all those policies holders that owned the company before they were sold a bill of goods to demutualize and given now worthless shares.
    Fishing so far this year up here has been fantastic. The boat has run beautifully and it has been one of the best summers I can remember. Biggest striper so far this year 53 lbs. caught on a sand eel at dusk.

  • Reply to

    another hurdle jumped + 10% rebound from low

    by lestercohen37 Jun 3, 2015 10:21 AM
    emilyryan01 emilyryan01 Jun 4, 2015 12:41 PM Flag

    Rabbi, you get this confirms my facts!!! PNX tried to manipulate the COI's on the policies they sold to the older clients knowing they mispriced and that they took on way to much mortality risk. To little premium taken in on policies sold to much older clients. They increased the entire blocks COIs and got called out on it. This by no means says they are out of the woods, still have a lot of very old policy holders. Two things we can never get away from, "Taxes and Death", these people will die and a death benefit claims will be paid. They sold not your basic 50k death benefit, they sold 5 million and up death benefits, which means only 2 or 3 deaths a quarter could ruin your capital.
    New England boat is in the water and we will be fishing this weekend. Can't wait, stripers are starting to show up in numbers.

  • Reply to

    What Happened Tp Phoenix

    by mike_in_gc May 27, 2015 7:13 PM
    emilyryan01 emilyryan01 May 30, 2015 9:02 AM Flag

    Rabbi, I hope the Dr. you use in front of your name was earned and not a made up title.. Beautiful morning here, 67 and partly sunny. Great start to what will be a fabulous summer.
    Here is my agenda Rabbi, keep pumpers like you from manipulating this stock. Where is your expertise Rabbi. The facts are the facts and I have stated them clearly and focus like. Let's see Rabbi UNTRUTHS- Emily worked at PNX, NOT, Emily is shorting stock, NOT, Emily has no factual basis, NOT. Let's see Emily, been posting for sometime and an advocate for this company early on, True, Emily's had clients who's policies were affected by the demutualization, True, and Emily's stated fact about PNX selling large amounts of death benefit to old people between the years 2004 and 2008 True, Emily's suggestion that because they sold all this death benefit to old people puts the company at risk because of high mortality risk, True, Last Q10 statement had higher than normal Mortality cost, True. Rabbi, maybe a check at the confessional would do you some good.
    Long day of travel yesterday but pleasant, and this morning up and airing out the house from a long winters nap. Boat goes is tomorrow. Can't wait for another glorious summer of fun with family and friends.

  • Reply to

    What Happened Tp Phoenix

    by mike_in_gc May 27, 2015 7:13 PM
    emilyryan01 emilyryan01 May 29, 2015 11:15 AM Flag

    Sitting here in the Miami airport waiting on our connection up north back to our summer home and saw this from you. First, Faith is extremely important to me, so I respect your faith, just don't use it as a gag.. Second, I own No PNX stock neither short or long. Third, I have never used an attack against the company or it's officers. In FACT again I was very much an advocate of this company early on but fell out of favor when I saw what they were providing the public and that the business model was not sustainable. This critical and slanderous words you say I use are just information I provide that is factual based on public knowledge. Back over $80, come on, don't go there.
    Lastly, We love to fish and take from this earth what we can eat, AND we belong to one of the most successful catch, TAG, and release programs. We use only the methods of fishing that permit a healthy release. The marlin and sails habitat in Costa Rica and Panama are one of the most healthy habitats in the world for these species. Got to run, they are calling our flight and I don't like to let a glass of champagne go to waste.

  • Reply to

    What Happened Tp Phoenix

    by mike_in_gc May 27, 2015 7:13 PM
    emilyryan01 emilyryan01 May 28, 2015 11:47 AM Flag

    Dear Rabbi, another beautiful morning sun rise and start to a fantastic day. Your comments are funny. Yes, we love to help build homes for the needy and take advantage of the great fishing on our boat in Central and South America during the dry season. We are about to head to our summer home on the water in New England and take advantage of the great life afforded there. Funny you say I was fired from PNX, where did you get that piece of information??? Again Rabbi you should know never to lie about something you have no clue about. Better to say I don't know and move . I owned a large financial service company that sold PNX products and Home life products before they were purchased by PNX. We sold many companies products, so this is why I know this industry REALLY WELL. I was an advocate of PNX at first if you care to go way back on these posts and take a look. Did you know that, OOPS, Forgot, you just showed up on this site and pretend to be an expert of some kind on this company!!! I have been correct on this puppy for years and my knowledge leads me to believe that I am still correct, especially after the last report. So Mikey, have at it with a guy that just shows up and know little about this industry and even worse about this company and where it has been and where it is going and all the things hiding behind the curtain. Your not in Kansas any more. Enormous Profits, from where may I ask, they are not selling any product, this is clearly in their statements. No buyers because this industry knows the risk they have in their policies sold and won't take that on.
    Good luck to you
    Well, have to go. packing a few things today before our flights tomorrow back to our little cottage on the bay and some great fishing in the Atlantic.

  • Reply to

    A letter to Emily Ryan

    by lestercohen37 May 18, 2015 1:08 PM
    emilyryan01 emilyryan01 May 19, 2015 10:16 AM Flag

    Dear Mr. Lester Rabbi, if you have ever read my posts you will see no untruthful or spinning the facts statements. In fact it is my understanding of this industry that sets me apart from you and your view and blind following of the so called leaders here. The facts are that this company from 2003 to 2009 took on policies that were sold for large death benefits and for much older clients. I believe the amount was in the 60 to 70% range of the business they wrote during this time. The facts are in this business that older sicker people do not get rid of their policies so it does not fall off PNX's block. So my theory is in the year 2015 these older and sicker clients they wrote from 2003 to 2009 are hitting their 80's which is starting to hit life expectancies. Mortality is bound to give them a problem and low and behold in this last statement Q10 they had great than expected mortality. No CPA firm gets this, and the CEO is trying to put a good face on this company. Good luck to you.
    Boat is pulled today to put in a side scan sonar and some new zincs. We on the other hand are planning another group of 10 homes to give away. Enjoy the Memorial Day weekend everyone and Remember the brave young men and women that have given their lives so we can live ours in Freedom.

  • Reply to


    by robertbush81 May 12, 2015 10:59 AM
    emilyryan01 emilyryan01 May 17, 2015 11:01 PM Flag

    I win, see the 10Q, second item " Mortality is starting to hit in and out of the block". Worse than expected!! Watch out here come the oldies.
    Fantastic weekend, finished two homes and moved the families in. Had a wonderful feast of Mahi and snapper with all the fix ins. Love what we are able to do and so sorry many of you are spending your time trying to eke out a few pennies with PNX.
    Fishing was good while the feast was a freshly caught as you can get.

  • emilyryan01 emilyryan01 May 12, 2015 9:40 AM Flag

    Bobby please stop and just go away, you do not have a clue. PUMPER ALERT. you don't just show up and tell us that this will skyrocket...

  • emilyryan01 emilyryan01 May 12, 2015 8:57 AM Flag

    You have most of it right National. Mortality risk is PNX's biggest problem, their biggest asset is their closed block, so a little bit harder to go into run off. AIG was in trouble in 09 because of leasing and real estate companies. American General their Life company actually kept them afloat, and lastly although the industry sales have been relatively flat many more people are buying life insurance. Still the best way to protect ones most important asset and family.
    Fishing slowed a little over the last week. Still catching a few sails, but this is ok cause it gives us time to complete another house for a needy family and enjoy some wine and sunsets.

  • Reply to

    Fish Lady

    by sandyfox804 May 1, 2015 6:11 PM
    emilyryan01 emilyryan01 May 2, 2015 7:31 PM Flag

    Sfox, yes, you are correct. Way back then I thought the industry, company and corporate America could benefit from more female CEO's. I wanted strong female leadership like myself running more companies. Unfortunately she was a huge flop to put it lightly. The only thing she did was turn the logo into a turkey and settle with a disgruntled board of director for 10 million. They turned on their policyholders and made decisions for personal gain, which disgusts me. I will say, someone finally got something right on this board.
    Unbelievable fishing today with 4 huge blue marlin and 5 sailfish. We killed it with good friends and the mayor of Jaco onboard. Getting ready to celebrate a wonderful marriage, 35 years and counting.

13.80+0.47(+3.53%)Jul 31 4:02 PMEDT