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The Phoenix Companies Inc. Message Board

emilyryan01 17 posts  |  Last Activity: Oct 20, 2014 5:14 PM Member since: Oct 25, 2006
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  • Reply to

    we're buying again

    by williamjohnsonfamily Oct 20, 2014 2:45 PM
    emilyryan01 emilyryan01 Oct 20, 2014 5:14 PM Flag

    Congrats to the two pumpers small c*apper and little johnson if you know what I mean.. i am glad you mad a couple of bucks. Happy Meals for all around your houses. You still do not have a clue about this business. When they can prove there is no mortality risk above a normal risk they may be bought, but I doubt it.
    Fishing starts this week, we are excited about the potential for a huge payout. It will go along way to build the town up again.

  • emilyryan01 emilyryan01 Oct 13, 2014 12:08 AM Flag

    smallcrapper I mean pumper, where do you get doom and gloom. I just hate having no nothing pumpers on the board that show up and have little knowledge. You just show up and your an expert, no you are a pumper. This company comes with not only the usual risk that small cap brings but added risk from the book of business they hold behind the curtain. Go away smalls.
    Great day today, finished getting the boat ready and put the finishing touches on 10 houses we rebuild for the locals today. Still a lot of damage, but slowly coming back. Great to see!!

  • Reply to

    next stop - 0

    by victoramal Oct 9, 2014 1:48 PM
    emilyryan01 emilyryan01 Oct 9, 2014 3:20 PM Flag

    Really Vicki, come on you just give Pumper boy more stuff to worry about in his basement. LittleJohnson if you know what I mean will get all worked up over your comments like this and his little brother smallcaper will follow like a blind dog.
    What is going to hurt PNX is the1.2 billion in DB they wrote on OLD people and is not lapsing like they thought.
    Siesta time here, so having a cold margarita. getting everything ready for the big Marlin show, can't wait.

  • Reply to

    covered my short position

    by williamjohnsonfamily Sep 24, 2014 8:31 AM
    emilyryan01 emilyryan01 Sep 24, 2014 11:24 AM Flag

    Hey pumper Little Johnson if you know what I mean. "I AM NOT A PUMPER", please believe me and not Emily. I feel for you my lttle friend. Company and stock locked into the winds of the market.
    Been down in Cabo helping my good friends recover from the hurricane. Their boat is fine but they lost the home and business building. We re rebuilding Sure is a mess down here.

  • emilyryan01 emilyryan01 Sep 12, 2014 12:19 AM Flag

    PUMPER, little johnson if you know what I mean. Thank you BOD for keeping a watchful eye over the company and their accounting practices. Fuzzy is a good word to use, like Fuzzy math and it will take 200 years (you know they are not that old) to turn this company around. They have low ratings for a reason. Lastly your senses are telling you there may be an offer, WHO would by this risk???
    Beautiful day today and what a moon shining over Newport Beach Harbor. Just gorgeous. Fishing the Master Billfish tournament this weeking off Catalina with my friends. Billfish season, I love it.

  • Reply to

    short interest up date

    by williamjohnsonfamily Sep 9, 2014 9:58 AM
    emilyryan01 emilyryan01 Sep 9, 2014 5:47 PM Flag

    Dear Mr. Littlejohnson if you know what I mean PUMPER, come on here and call me and idiot, stinky fish woman, despicable, senile, bitter, you want me to go on. Are you kidding me. I don't care to have a conversation with a pumper. I know you are one because you spout garbage on how this thing will go to 80 with no facts to back it. I give fact after fact and you do not respond you just go on and spout your rehashed dribble from the CEO. You never respond to my facts, because you know I am right, that is a sign of a pumper. You do not respond because you have fear that I am right on!!!
    Just sitting here on my friends lani looking out over the pacific and seeing the huge rollers hitting the shore. Few whales passing by on their way south. Beautiful day.

  • Reply to

    short interest up date

    by williamjohnsonfamily Sep 9, 2014 9:58 AM
    emilyryan01 emilyryan01 Sep 9, 2014 12:05 PM Flag

    Little johnson if you know what I mean, You can definately tell a pumper when they have no FACTS and just attack people. I will not respond to why am i here because I have over the YEARS explained why I follow this company. On the other hand you are on here for a minute and have no clue as to what you are talking about and put yourself out here like some stock expert. NOT even close, just a pumper looking for a few pennies. You think you are funny, like I have never heard the names and insults you put out there

  • Reply to

    short interest up date

    by williamjohnsonfamily Sep 9, 2014 9:58 AM
    emilyryan01 emilyryan01 Sep 9, 2014 11:02 AM Flag

    Little johnson if you know what I mean, What a little pumper!!! counting pennies again I see. Where is this potential buyer coming from and what FACTS do you have. I see that you do not dispute my facts, you just ignore because you have no come back for the real FACTS. The only thing you said in your useless post that is close to being true is I am a miniscule holder. In FACT I am so miniscule I own NO stock in this company or hold no postion. I have made this clear for years, but you would not know that because you just jumped on and know nothing about this company or industry. And if you did know something about this industry you would see in the CEO statements that his facts are a bit scued and he speaks of nothing hiding behind the curtain. So go away little johnson, your posts are nothing but drival.
    On my way home after a wonderful time at the US Open. My man Fed played brilliantly but did not win. I guess chasing down two sets of twins will wear one out. Stopping for a few days with friends in So Cal. before heading home. We have a couple of big fishing tournaments to fish come end of October. Love the challange. The fish are more of a challange then little johnson though!!

  • emilyryan01 emilyryan01 Sep 5, 2014 2:39 PM Flag

    Little Johnson if you know what I mean is off his rocker again. no one cared about the lawsuits, they were a distraction. You fail in ALL areas of knowing anything about this industry. JJJJjoeJJJ said it best in his thread. They were selling 371 million in life insurance in the mid 2000 and did it for about 6 years. That is premium they took in not what is at risk. The amount at RISK is in the billions. And who did they sell 75% of these policies to, OLD people over the age of 70. Which now puts them in their 80s near life expectancy. This adds Tremendous RISK to PNX. You have no idea how costly this is for them and a hole they can not get out of because as these old people get older and sicker they are the ones that keep their policies. these billions Will be paid out in death claims. The young and healthy are the ones who will drop coveage and lapse policies.
    Sorry little johnson if you know what I mean, I do not have to think of that beautiful yacht that I could have bought, already upgraded a few months ago. Took it from 68 feet to 90 feet. Love the extra room. Spent the whole summer in the northeast fishing from our 40 foot express and heading down home to Costa Rica after the finals this weekend of the US Open. Did you see my boy Rodger come back last night. He is awesome.

  • emilyryan01 emilyryan01 Sep 2, 2014 5:12 PM Flag

    Little Johnson, if you know what I mean, Now you have a few pennies to buy yourself some gum balls. So it hit a new high. What I say is all FACT and not opinion and time will tell. I know this will happen, when, I would say in about 12 to 18 months. This is when the majority of those really sick old people who they insured in the mid 2000's will start to die off. Mortality will go through the roof. This is why no one has made an offer for them. They do not want to take on this huge block of business.
    You are fun to play with easier than a 50lb amberjack, no back bone. You know it is BAD in PNX land when the Hartford Curant writes a positive article about this company. They must be scared to loss more jobs in Hartford with the crash of PNX and the boat building. The Hartford Curant hates PNX all the way back to Bob, and Dona and the forced demutualization. Lastly little guy,
    NEVER an employee, Always an Employer. That is me, little ol' fish lady.
    Dining tonight with friend on his boat in front of Lady Liberty. Love this Country.

  • emilyryan01 emilyryan01 Sep 2, 2014 12:30 PM Flag

    Little johnson if you know what I mean again shows his knowledge about this stock. NOT, taking his cues from the paper. Great stock tip. Find a fish rag and buy a stock. First this smelly fish lady does not have to go into how I made my money, but I will say it was in this industry. So I know PNX really, really well. CT knows that I have been on here for a long time discussing this company and that I have been right a lot. The CEO's metrics are bogus. In the quarterly reports they say business is coming in the door. Yes they sell some, but a large individual agency sells more life business than PNX does each quarter, and they produce the product. They have no distribution, only Saybrus which brings in little to no revenue. They sell annuities and talk about how great that is. Here is the problem and this is fact not opinion. Life insurance companies need a balance between Life sales and annuity sales to balance their mortality exposure and longevity risk. Life insurance if people die to young it hurts and annuities if people live to long it hurts. So they have a huge amount of mortality risk with all the over age 70 life business they wrote for about 10 years starting in the early 2000's. Billions in death benefits. So those people are now in their 80's and close to life expectancy. They say they are selling a lot of annuities. This adds a tremendous amount of longevity risk to their pool because if these people live to long it kills profits. Now I can tell your simple mind little johnson does not understand this, so keep on pumping and have at it. Good luck to you.
    Been a wonderful summer of fishing, lots of fun and family and BIG fish, and now we are enjoying our week at the US Open. Hope my guy Fed kicks but and wins his 18th major.

  • Reply to

    the conference call and my take on it

    by williamjohnsonfamily Aug 15, 2014 3:09 PM
    emilyryan01 emilyryan01 Aug 16, 2014 11:31 AM Flag

    Your read Little Johnson, if you know what I mean, is way off. First major increase in new business,Not!! 800k in life premium really. Major companies do that in a day. Saybrus is a joke. 2 million in earnings, really. That is nothing for a Life Insurnace company, at best Saybrus is a small to medium brokerage house peddling other companies products, NOT even their own PNX's products. The facts are clear. No money coming in the front door. 100 billion of gross life insurance in force, 20 billion of that is open block. 751 million in reserves. WORSE than expected Mortality in the open block. Fact, right from them. The open block is all that old people business they wrote. Mortality is catching up to them. Won't take but a few old people to pass away to put a pinch on their reserves. This is bigger than you think.
    Just pulled into Provincetown Harbour for a bight of Lunch and heading back out to Stellwagon this afternoon.

  • emilyryan01 emilyryan01 Aug 13, 2014 7:49 PM Flag

    Little Johnson if you know what I mean, you do not get it!!! The returns they are making on their investments will more than adequately cover all those pay outs.. REALLY!!! They took in at least for 5 to 10 years 200 million a year in premium which purchased BILLIONS of death benefit. If all those old people start to kick the bucket and they are getting close to actuarial table age of death, they will have a extremely difficult time. Lapse ratios lowering from 9 to 4% is bad because this means all those old and sick people are holding on to their policies.
    Took the fly line out this morning to the flats and caught a number of beautiful striped bass. had a great time but now my arm is sore.

  • emilyryan01 emilyryan01 Aug 12, 2014 12:47 PM Flag

    Little Johnson if you know what I mean, the big fish lady is right on again. S&P knows what they are talking about and so does the Lovely fishing lady. Look at PNX's response. Our Surrenders are way down which to you little guys sounds good, BUT to those that know a lot this is bad. Why??? what did I post a number of days ago? PNX's book of life business is top heavy with older people. Do Old Sick people surrender their policies??? NO they keep them. All the young and healthy are taking policies elswhere leaving a bunch of old sick people. Huge Death benefit payouts are a coming. From the out side PNX's response looks good but behind the curtain it is bad.

    Another epic day on the Stellwagon Bank, 2 blue fin tuna, one at 400lbs. and the other just under 700. Weather coming up for the end of the week so nice bottle of wine and great food to celebrate a nice payout.

  • Reply to

    10-K 2013 annual report just released

    by williamjohnsonfamily Aug 6, 2014 5:31 PM
    emilyryan01 emilyryan01 Aug 7, 2014 1:16 PM Flag

    Hey CT i hope you are well. I wish every would understand the mortality liability that PNX is standing on. They went from a 90 million a year first year premium company to over 300 million a year first year premium. They did over 300 million for half a dozen years or more. Where did this premium come from??? over age 70 business. They took this business mid-2000's which now puts these clients at 80 years old. That 300 million of premium took on 1.5 Billion of death benefit which pays when people die. You tell me, who drops their life coverage? Young, healthy people. the old and sick tend to keep it. No company will pay a premium to take on this liability. If PNX got $40 bucks a share they woud be doing great.
    865lb Blue Fin Tuna at $16 bucks a lb. Not bad for a day of fun with the old lady!!!!

  • emilyryan01 emilyryan01 Aug 5, 2014 11:35 AM Flag

    Little Johnson, what do you think? PNX up for sale. What do you get in the sale? You get a block of business from their demutualization, thats good. You get screwed up books for years, thats bad. You get upper management paid huge salaries for under performance, thats bad. You get a company NOT selling any products for profits, so no money in the front door, thats bad. You get litigation with possible big liabiliies, thats bad. You get a book of business that has large death benefits with OLD clients waiting to be paid out, thats bad. Sounds like a no brainer to me.
    It has been a great summer so far up here in the northeast. Fishing has been exceptional and we have enjoyed every minute with our friends and family. One Bluefin Tuna over the weekend at 853 lbs.. Wicked Tuna has nothing on me.

  • emilyryan01 emilyryan01 Jul 23, 2014 10:26 AM Flag

    Little Johnson, if you know what I mean, you can support all you want. If this company does not get its head on straight nobody will touch it. Not a good buy out or merger, just look at the news coming from Fortress and to much junk to be a turn around any time soon. It willl take many years for that to happen. So take your pumping support elsewhere please.
    Beautiful morning and calm seas puts us on the fish again today. Been a summer of awesome fishing and visits from great friends. Best summer of New England weather in years.

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